Podcasts about sbas

Eldar Rubinov is Positioning and Geodesy Technical Lead at Frontier SI. This is a centre of excellence for spatial information in Melbourne, Australia (https://frontiersi.com.au). We had a great chat about a recent presentation he gave in Malaysia about use of an Australian/New Zealand SBAS for high accuracy positioning in Malaysia. He also tested Gallileo there. Even though both systems are not designed to offer high accuracy positioning in Malaysia, it could nevertheless be achieved with them. SBAS means satellite based augmentation system. It corrects a position from a global navigation satellite system (GNSS) like GPS or Galileo and broadcasts that from a geostationary satellite for a given area. A example is SouthPAN, covering Australia and New Zealand. In 2020 I arranged an Adelaide Mapup attended by Eldar. He gave us all instructions how to make our own receiver. I dutifully did so, here is the build log. We had a broader discussion about some of the technical details of these systems and how they can fail, such as spoofing and jamming. We then moved on to Eldar's comments on the Positioning, Navigation and Timing subindex of the Geospatial Index. It was good to have a review of my work by an expert. Finally, Eldar offered some reflections from his time at Fugro. I asked him for this given they are struggling in the market of late. Some links for those interested in topics discussed: Kuching location SouthPAN SBAS Galileo Galileo authenticated signals GPS PNT Subindex is found amongst this watchlist Listing of a few on LinkedIn Jammers (possibly illegal where you live) Landing in Queenstown, NZ Ramform Tita MyRTK THE GEOSPATIAL INDEX The Geospatial Index is a comprehensive listing of all publicly traded geospatial businesses worldwide. Why? The industry is growing at ~5% annually (after inflation and after adjusting for base rates). This rate varies significantly, however, by sub index. For $480,000 to start, this growth rate is $5,000,000 over a working life. This channel, Bluesky account, newsletter, watchlist and podcast express the view that you are serious about geospatial if you take the view of an investor, venture capitalist or entrepreneur. You are expected to do your own research. This is not a replacement for that. This is not investment advice. Consider it entertainment. NOT THE OPINION OF MY EMPLOYER NOT YOUR FIDUCIARY NOT INVESTMENT ADVICE Resources: Bluesky LinkedIn Watchlist Newsletter Podcast

On The Space Show for Wednesday, 14 August 2024: Southern Positioning Augmentation Network (SouthPAN): SouthPAN is a joint initiative of the Australian and New Zealand Governments that provides Satellite-Based Augmentation System (SBAS) for position, navigation and timing services for Australia and New Zealand. Geoscience Australia as the Australian Government lead agency, is working in collaboration with Toitū Te Whenua Land Information New Zealand on the development, deployment, and operation of SouthPAN, the first SBAS in the Southern Hemisphere.SouthPAN is comprised of reference stations, telecommunications infrastructure, computing centres, signal generators, and satellites that provide improved positioning and navigation services in Australia, New Zealand, and its maritime region.A trio of Aussie cubesatsKANYINI — South Australian Space Services Mission: ​SmartSat CRC (Cooperative Research Centre)​Myriota ​Inovor Technologies ​Government of South Australia: South Australian Space Industry Centre CUAVA 2: ARC Industrial Transformation Training Centre for CubeSats, UAVs, and their Applications (CUAVA)Waratah Seed 1 SpaceMAITRI.

Lisa Carlin and Sandra Herrera were live on YouTube today to discuss all the latest surrounding women's footy. First up, the ladies do a deep dive into the NWSL for a mid-season assessment. Two undefeated teams remain, bubble teams on the cusp of success or failure, and who will be affected the most due to international call-ups? (3:38) Next, Lisa and Sandra build out their USWNT wishlists for starting XI as well as the team's formation as we head towards the first friendly match under Emma Hayes this coming Saturday against South Korea (28:15). And ICYMI, a look at all the latest News & Notes from around the world including Canada launching their Northern Soccer League (NSL), the details surrounding the NWSL x LIGA MX Femenil Summer Cup, Jessica Berman being the first woman to win the Executive of the Year award at the SBAs, and so much more (39:16). Watch USWNT, NWSL and WSL games on P+" with a link to https://www.paramountplus.com/home/ Attacking Third is available for free on the Audacy app as well as Apple Podcasts, Spotify, Google Podcasts, Stitcher and wherever else you listen to podcasts.  Follow the Attacking Third team on Twitter: @AttackingThird, @SandHerrera_, @LisaCarlin32, @Jordangeli , @JennyaChiu and @Darian_Jenks. Visit the Attacking Third YouTube channel: https://www.youtube.com/attackingthird You can listen to Attacking Third on your smart speakers! Simply say "Alexa, play the latest episode of the Attacking Third podcast" or "Hey Google, play the latest episode of the Attacking Third podcast." To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

“One of the most important things to remember when purchasing real estate is to have a realistic budget. You also want to make sure that you are getting the most out of your investment by doing your homework. There are a lot of myths out there about real estate and it's important to be aware of them so that you can make an informed decision.”   in this episode, Chuck Swope, a commercial real estate broker for over 20 years, discusses the market conditions for real estate and how he see opportunity and risks.   Chuck has experience in all major property sectors. Their firm specializes in hands-on, personalized service in support of their client's objectives. They work with small businesses up to large, multinational publicly traded companies and have an experienced, network and resources to execute on a variety of real estate assignments. they also focused on real estate practice within two hours of Philadelphia and maintain national and international relationships with alliances through the CCIM Institute, they are licensed in PA, NJ, DE, and MD.   Highlights:   [00:00 - 06:30] Opening Segment Chuck Swope is a Commercial real estate broker that focuses on the Mid-Atlantic region  The market has changed significantly since 2009, with prices for industrial and flex space increasing dramatically Technology has become more integrated into the commercial real estate industry, making the client experience better   [06:31 - 13:12] SBA Loans for Office Space: A Good Option for Business Owners The market is frosty, with risks for those who want to purchase or lease office space; The office is proving to be interesting, with opportunities to buy at a discount; The debt side of things is complicated but manageable with the help of a local community bank Timing on SBA loans can be slower than on conventional loans, but the benefits are worth it.   [13:13 - 16:30] Commercial Real Estate: Advice for New Investors The interest rates on mortgages have increased, making it more difficult for people to afford to buy or invest in commercial real estate. Some people are panicking and saying that they can't make the deal work when in reality it was never a good deal, to begin with. It's important to keep perspective and context when looking at deals, especially when rates are increasing.   [16:31 - 17:31] CCIM Classes: Advice from a Financial Expert The CCIM program will allow you to take deals apart from front to back, back to front change all types of different variables, and manipulate your projections based on more equity. This education is second to none and is cheap.     [17:32 -18:38] Closing Segment Reach out to Chuck See links below  Final words Tweetable Quote   “I think it's important that the occupier and utilizer of real estate, looks at it in a bigger picture. Yes. Prices are up, interest rates are up, but you need someplace to run your business.”  -Chuck Swope ----------------------------------------------------------------------------- Connect with Chuck Swope by visiting www.swopelees.com   Connect with me:   I love helping others place money outside of traditional investments that both diversify a strategy and provide solid predictable returns.     Facebook   LinkedIn   Like, subscribe, and leave us a review on Apple Podcasts, Spotify, Google Podcasts, or whatever platform you listen on.  Thank you for tuning in!   Email me → sam@brickeninvestmentgroup.com   Want to read the full show notes of the episode? Check it out below: [00:00:00] Chuck Swope: if you want to purchase a warehouse in Chester county, Pennsylvania, where we do a lot of our work suburban Philadelphia and we're all throughout the Mid-Atlantic region New Jersey, Maryland, Delaware, Pennsylvania but anywhere in that region it's very hard to find flex space, 5, 10, 20 5,000, 50,000 feet. It just doesn't exist. [00:00:31] Sam Wilson: Chuck Swope is a commercial real estate broker who focuses on the Mid-Atlantic region. Chuck, welcome to the.  [00:00:37] Chuck Swope: Thanks so much. Thanks for having me, Sam. Hey  [00:00:39] Sam Wilson: man. The pleasure's mine, there are three questions. I ask every guest who comes in the show in 90 seconds or less. Can you tell me, where did you start? Where are you now? And how did you get  [00:00:46] Chuck Swope: there? Sure. I like most people I got into real estate and commercial real estate by accident. I was in graduate school and had worked for a couple of developers. Doing commercial development also residential land acquisition in Philadelphia and the Philadelphia suburbs had an opportunity to get my real estate license. And my first assignment was selling industrial condominiums. That was going on 18 years ago. Give or take. Where am I now I think that was your next question. That's right. Sure. I I worked for a gentleman who I continue to have an immense amount of respect for and after about three and a half, four years, I said, I'm still pretty young. And I'd like to go out and do this on my own. And in 2009, when things were just rosy, as you recall, I took the big plunge and we're still here to talk. Whatever this is 13 or so years later,  [00:01:34] Sam Wilson: 2009, that's a heck of a time to take the plunge into  [00:01:38] Chuck Swope: I didn't have children. I didn't have a whole lot of responsibilities. So, coming outta the great recession, why not?  [00:01:44] Sam Wilson: Right. Take your risks early, man. Yeah. When the consequences are few, , I love that. How have you seen things change? Like have you thought about 2009 market, 2022 market? How are things different  [00:01:57] Chuck Swope: now? Sure. Well, I got into the business in 2005 and again, I had a period of time where I worked in another office 2009, I guess. I really didn't know what, I didn't know. One of the greatest investments I've made in myself is the C cm designation and the education that the CCM Institute offers that immediately catapulted me into a much better broker and a much better resource for my clients. I can't advocate that program enough. Things have absolutely changed the the pricing. I mean, I can't believe I'm even saying this, having, just shy of 20 years in the business. I mean, I've seen values, double flex and industrial buildings that we used to sell for 60, 70, 80 bucks. A foot are now trading $150 a foot. That was one of the things we had talked about early on is just kind of the appreciation that we've seen over the last couple of years, especially in industrial and flex. What else has changed? Technology's obviously changed. We've implemented a lot of technology and advancements, in our small boutique brokerage. We're about a half a dozen folks here. Not a big shop by any means, but we really embrace and invest and look for technology to, to make the client experience better and to make us better brokers. So the technology and ability to work pretty much anywhere and ability to gather information is huge. And we love it. And we're gonna continue to look for new and better and different ways to do things. When you  [00:03:13] Sam Wilson: say technology. Yeah. Remote work. I get that part of it. But when you say gather information, like what information are you guys gathering right now that you feel like maybe you didn't have access to previously? And then how are you leveraging that to make informed decisions?  [00:03:27] Chuck Swope: Sure. Obviously co-star is kind of a thousand pound gorilla in the in the industry. It's kind of a love, hate relationship with them. But they do a good job. They're not shy about their prices. Maybe even unfair. But CoStar has a ton of resources. Even just from a marketing standpoint and kind of the infrastructure we used to run our office. We've made some in updates and investments there. What we used to outsource in terms of marketing brochures and flyers, and all types of offering memorandum and those types of things we're able to within minutes assemble that in our office change things updated. There's a lot more integration on the marketing. side We've got a couple other resources that we really rely on depending on the assignment Remy has been a great resource for us as well. Even just, the advancement in with something as simple as your cell phone. The pictures, I think are second to none. We do hire third party professional photographers, but a lot of times we can just . Grab 'em on our phone and they're Pretty darn good.  [00:04:18] Sam Wilson: That's. That's exactly right. I was talking to somebody about that the other day. And again, all the photographers and people in that industry are probably gonna, delete my show and say, no, you're absolutely wrong. Which, I love what they do, but I was talking, my wife was like, this is. This is a, I mean, your phone takes amazing photos, like for  [00:04:32] Chuck Swope: something that's quick and dirty and kind of routine. Now. Now, like I said, we do outsource things. Yeah. But kind of the day to day is for what we do is perfectly acceptable to use your phone for sure. And I also through the pandemic had really shifted and embraced more of an online presence and I've got, I don't know, maybe 50 or a hundred LinkedIn videos out there. I'm constantly adding. And the technology that you carry around in your pocket, enables you to take a video, upload it to LinkedIn and really make an impact. And sure enough, when I put a video out the phone rings for the next couple days, I call it dumb luck or whatever, but it's and I've been told I have a face for radio. Just little kind of little tweaks like that. Just embrace technology. Technology's a mixed blessing. It's not everything right. But it certainly does enhance certain areas of the business without a doubt.  [00:05:18] Sam Wilson: Yep. Absolutely true. I love that. Thanks for giving some very tangible products and things that you  [00:05:22] Chuck Swope: guys are doing. One, one other thing I want to highlight for those of you who do use the iPhone. And I know it's kind of two different cultures, iPhone, and I guess Android. Yeah, I'm not I'm and by the way, I'm not much of a tech guy. If you go into the notes section of your iPhone, there is a part of that application that allows you to scan full size plans. I can't tell you how many times I've been in, in a building. Somebody says I have these plans, they're 30 years old and I will never let 'em out on my possession. I said, do you mind if I just roll 'em out, we're gonna put 'em right here on the floor, put a stapler, on either end to hold it. And you can take a scan of a full size plan, 24 by 36. I had no idea it's in the notes section of your if you use an iPhone, if you go into notes, that's a huge little tip. Just go to a new document and then take the picture and you can do scan documents. You can get pretty darn good quality without ever taking that, that hard copy out of that building.  [00:06:17] Sam Wilson: That's cool. There you go. That's an active tip and trick right there. Folks. I, had  [00:06:20] Chuck Swope: not heard that you can do that today. You can do that today.  [00:06:23] Sam Wilson: That is very cool. Let's transition here. Chuck, I got questions about where you see, I mean, you guys are active brokers in the MidAtlantic region. Tell me, where do you see opportunity and then where do you see risks in the market  [00:06:35] Chuck Swope: right now? Risks. I think in certain segments in certain sectors the prices are definitely getting frosty. That being said if you want to purchase a warehouse in Chester county, Pennsylvania, where we do a lot of our work suburban Philadelphia and we're all throughout the Mid-Atlantic region New Jersey, Maryland, Delaware, Pennsylvania but anywhere in that region it's very hard to find flex space, 5, 10, 20 5,000, 50,000 feet. It just doesn't exist. And the cost to create that is high and therefore the price to purchase a building like that, or even the price to lease it is on the high side. I think at some point there's gonna be a correction. I have no idea when but prices are up and that's just the reality of the market we're in right now. For somebody with a five plus year horizon who's going to consider purchasing a building. I don't know that matters a whole lot that interest rates have gone up, but they're still relatively low. I'm not old enough to remember, the 18 and 20% rates of the early eighties. I was alive then, but I was. In the business. But the, when I remember six, seven, 8% interest rates, not that long ago, and that was sustain. Yeah,  [00:07:41] Sam Wilson: well, that's really interesting.  [00:07:42] Chuck Swope: So, so I think just to kind of close that thought, I think that, real estate is a tool and it's a vehicle for somebody to conduct business, whether they're at a professional services, accounting law firm, doctor's office, or whether they're warehousing product it's one piece and it's a vehicle to conduct that business. And, I think it's important that. Occupy and utilizer that real estate, looks at it in a bigger picture. Yes. Prices are up, interest rates are up, but you need someplace to run your business.  [00:08:07] Sam Wilson: Right. Right. And there's that question out there is, do prices ever go back down or normalize maybe at, I think at best maybe normalizes what we get  [00:08:16] Chuck Swope: we've printed. I think you're gonna see some softening. I don't think you're gonna see the bottom fall out. I just fundamentally don't think that's something that's gonna. Right.  [00:08:25] Sam Wilson: Right. and I don't see how it could, I mean, we've printed so much money that, I mean, it's gonna chase yield and it's in the system at this point and it's like the money's gotta go somewhere. It's the likelihood that those prices go back down, I think is limited. Tell me this, we talked about this a little bit off off air before we kicked off this show. What is an asset class you see, picking up right now and why?  [00:08:47] Chuck Swope: We have interestingly and we're, we're a small boutique firm but we've seen some office deals. I don't wanna say I was surprise to see them happen, but we're definitely seeing life in the office market without a doubt. I think work from home is convenient. I think work from home has a place. But it's also very difficult to bring bring on a new associate, to build a culture, to build a team around work from home. It's certainly convenient for us. Being a couple hundred miles apart to have this zoom call. Right. But I wouldn't wanna work like this every single day. Right. Right. So, so I would say if anything I think office is proving to be interesting.  [00:09:20] Sam Wilson: Is there opportunities to buy there at a discount right now? [00:09:25] Chuck Swope: It all depends on which what size and sector and the motivation of the owner and or landlord or seller yes. There's opportunities, but they would. In, at least in my experience it's maybe not as ripe as you would think. Because there is a market there and there is activity and there is demand. Yeah. Yeah.  [00:09:42] Sam Wilson: No, you hit it on the head there. You said it's not as ripe as I might think. I'm not in the office sector or office space, but it's something where I would've. Thought that there might be some really low hanging fruit there. And you're saying that's maybe  [00:09:52] Chuck Swope: necessary, not the case, at least where we are. I would say there's opportunities there to lease or purchase office space. And I would still say that's, either the buyer or the tenants market. But that's slowly shifting. And there's just not a lot of new supply coming online and the supply that's out there has been picked over and you've got some well healed landlords that, expect to get a reasonable return and they're in a position. They can wait for that.  [00:10:14] Sam Wilson: What are you recommending? I know this is asset class. I'd probably borrow or specific question. So maybe it's an unfair one, but what are you recommending on the debt side of things? What do you see people doing? And then what do you guess recommended to your  [00:10:26] Chuck Swope: clients? So we do a tremendous amount of owner occupied real estate.  We, we do investment real estate as well, but we also work with a lot of owner occupy. I think anybody who occupies real estate should consider owning it. I'm not saying everybody should own it, but anybody who occupies real estate for their place of business should consider owning it. One of the biggest tools that we push as a company or advocate for, I shouldn't say push, but, bring that awareness to the table is the SBA loan program. Everybody hears SBA and they think government and a bunch of bureaucracy and red tape. And I'm not gonna say there's not any. However we do, I don't know how many, a couple dozen SBA loans a year through our office and the process is not that much worse than conventional bank financing. There's two big things. In my opinion, the SBA offers to borrowers and that is 90% loan to value. And that includes the real estate, the improvements, fixtures, kind of everything in one. So you're coming outta pocket less. You're keeping that money on your balance sheet. I think most cases, a responsible thing for a business owner to look at. The other thing is that the SBA loans are fixed for 25 years. Unfortunately the ship has sailed on the really great deals that they were having, but back during COVID and after COVID. You were getting fixed money for 25 years, three, three and a half percent, three in change. Now, keep in mind that SBA piece is a portion of that 90%. It's of the 90% your bank will do 50% and the SBA will be 40. So, but roughly half of our little less than half of that loan is fixed for 25 years, which is a gift. Right.  [00:12:04] Sam Wilson: Yeah, absolutely. Absolutely. Yeah. And is there a particular size of bank? I know I've I've dealt with this a little bit where the project size was either too big for the bank that I was talking to, or that maybe somebody else was talking to where they said, man, we could use the yes, but they just didn't understand. I guess the nuance,  [00:12:21] Chuck Swope: My father was a community banker here in Chester county and I just have a special place in my heart for community and regional banks. We work with the big banks. They certainly have their time in their place, but I would always encourage someone to speak with a local community bank as well. [00:12:35] Sam Wilson: Yeah, no, that's absolutely true. What about timing on the SBA loans? I've heard that they take longer to get across the finish line through an SBA loan. Is  [00:12:44] Chuck Swope: that not true? Not necessarily. Okay. It is important to understand that they are for intended for owner occupied real estate. So it's not investment real estate owner occupied, broadly defined by the SBAs occupying 51% of the building or more  the timing and the process is not much different. There's a couple extra steps I would say for kind of that much more work. You're getting that much more benefit. Right. Especially on the leverage and the term of the loan. So that's something the SBA has two primary commercial real estate loans. The 5 0 4 is more or less the flagship, the SBA 5 0 4. And then the seven a is also another real estate loan program that they have. But it's not anything more than what you would have to provide for a typical lender. Right,  [00:13:25] Sam Wilson: right. No, that's cool. I'm glad to dispel that myth. The gosh it's been for me the last time I used an SBA loan. Ooh. 15 years ago. So it's  [00:13:32] Chuck Swope: been a long time since so you wanna get familiar with the SBA lenders in your area and have these conversations front and, you want to air your concerns up front as well. Right,  [00:13:42] Sam Wilson: right. No, that's really that's. That's great. Absolutely great advice. We've talked a little bit about office picking up, we've talked about flex industrial. We've talked a little bit about risk. We've talked something some about financing and programs that are out there that maybe everybody's not utilizing, I guess. Is there anything else you see in the market or risks you see in the market or opportunities?  [00:14:00] Chuck Swope: Just, yeah, just one thing I wanna touch on. Yeah. And, rates of in, in this market, they've gone from you. Four and a quarter four and a half up to, five and a half, 5, 7, 5. Right. And some people have a very strong reaction to that, but I just wanna provide some context and some perspective if the deal was so tight that it doesn't work with a point difference or a point and change. If you can't make the deal work at 5.5%. But it works at four and a half percent. That was never a good deal to begin with. Right. It's just too tight. If you can't afford your mortgage or you can't make your numbers working as an investor. And you've got that, increase in interest rates, it was a deal that, that never should have happened in the first place. Yeah, , let's keep perspective and keep context. That's  [00:14:47] Sam Wilson: a great point. I like that a lot. I like that a lot because yeah, people are panicking. You hear like, oh my gosh, like we can't make this work. Or like you said, that's the deal was never a good deal in the  [00:14:57] Chuck Swope: first. It wasn't a good deal to begin with. [00:14:59] Sam Wilson: Right? Yeah. Yeah. And that's keep that. Yeah. That's keeping people probably out of trouble.  [00:15:03] Chuck Swope: So that's yeah. And that's fine. People shouldn't do deals that aren't good deals. Right, right. But if you're so light on your equity in the deal or. That change, in the mortgage payment makes that meaningful of a difference. It was never a good deal to begin with, in my opinion,  [00:15:18] Sam Wilson: if you were to give advice. Yeah. And I couldn't agree with you more last question here for you. If you were to give advice to someone who was just now scaling into commercial real estate, and they said, man, I'm really anxious to get it. Get in. What advice would you give them out of the gate  [00:15:34] Chuck Swope: as a broker or as an investor or as investor? I'll put myself out of business with this advice, but I would go take a couple CCIM classes. If I was a new investor, , you can start with the intro, which is two days or go through all four courses. The 1 0 1 is the flagship, but I would go sign up for cm class, do it online or in person, or I think there's hybrids as well. That's what I would do if I was giving advice.  [00:15:58] Sam Wilson: Wow. What would someone expect to benefit or get out of going through those classes?  [00:16:04] Chuck Swope: So I don't have a background in finance or I should say I came into the industry without a background in finance. I have a bachelor's degree and a master's in environmental studies. And I understood numbers. I understood mortgage payments and things like that. But the CCM program will allow you to take deals apart from front to back, back to front change all types of different variables and, manipulate your projections based on, more equity,  to me, it really just allows you to understand every single variable in the deal. That's  [00:16:31] Sam Wilson: really cool. That's not advice I've received yet here on the show. Certainly appreciate that.  [00:16:35] Chuck Swope: And if you don't have your C M Sam, I want you to go out and sign up today. I don't,  [00:16:40] Sam Wilson: I actually don't. I need to, I need to heed what you're telling me and go get that. Go get the  [00:16:44] Chuck Swope: education. The education is second to none. It's cheap. They should charge more for the courses. Right.  [00:16:50] Sam Wilson: right. That's awesome. I love that. Thanks for that. That that pointer there, that's something, actually, I was writing it down like, okay. One on one class CCIM. Doesn't just  [00:16:57] Chuck Swope: do, just start with the intro. It's two days. I don't know how they do it now, but when I took it, 15 years ago, it was two days. It's probably I do it online. You probably do it online. You can do it. Yeah, but how do you know if a deal's a good deal or not? Well, back up from there? It depends on the investor's objectives, right? But if somebody says I want cash on cash, or I want IRR, or I want, whatever it is that they want, I want to complete this exchange and then refinance in the future. It allows you to, to slice and dice all those different variables. That's awesome. I love that. I love that efficiently.  [00:17:31] Sam Wilson: That's yeah, there's the key point there's slice and dice them efficiently. Chuck certainly enjoyed having you on the show today. Thank you for coming on and just, yeah. Give us your thoughts on the market where op or opportunities are where risks are. We talked about the CCIM designation and going through the 1 0 1 class. You even taught us how to scan scan prints and things like that right there, right here, right there from your iPhone. So that's fantastic. Certainly appreciate it. If our listeners wanna get in touch with you, learn more about you or see what what you guys have in the pipeline. What is the best way  [00:17:58] Chuck Swope: to do that? SW lees.com S w O P E L E s.com or I'm Chuck at SW please, or find me on LinkedIn.  [00:18:08] Sam Wilson: Fantastic. Chuck, thank you again for your time today. I do appreciate  [00:18:11] Chuck Swope: it. Sounds good. Thank you so 

Antariksh Matters #1: Telangana’s SpaceTech Framework— Aditya PareekIn its latest policy document, “SpaceTech Framework”, the Government of Telangana acknowledges the central role of private enterprise in the rapidly growing global space economy. The twelve page long document lays down a framework to nurture the state’s own private space tech sector. There is a notable focus on enabling entrepreneurship in both upstream and downstream applications as well as removing many bottlenecks and regulatory hurdles.The policy seeks to attract global investment and setup partnerships with international entities to boost space related manufacturing in the state. Telangana also wishes to become a globally preferred destination for setting up new space related ventures and as a sandbox or testbed for SpaceTech applications like remote sensing. The framework laid out to achieve these objectives, has four key policy pillars - enabling access to infrastructure, business facilitation & collaboration, skill development & training, promoting research and innovation. The policy also pays due regard to involving varied stakeholders and deriving socio-economic benefits across areas & sectors - such as agriculture, insurance, urban development & planning, disaster management, digital connectivity and ecological protection etc.    Hyderabad, Telangana’s capital, already has many advantages, including being the base of institutions and high-tech facilities like ISRO’s National Remote Sensing Centre (NRSC) and the International Advanced Research Centre for Powder Metallurgy and New Materials (ARCI). Telangana has also contributed a significant share to ISRO’s national space efforts, most recently with supplying almost 30% of parts used in India’s Mars Orbiter Mission(MOM).Building on this momentum, the Government of Telangana has identified a “space market value chain”, which stretches from identifying end users to the upstream manufacturing sub sectors. To support this value chain, Telangana aims to encourage public private partnerships and the sharing of expensive high-tech testing and Research & Development(R&D) facilities by both government institutions and startups who can’t afford to set up their own. Some specifically identified R&D and testing facilities apart from the above mentioned ISRO-NRSC and ARCI include - Electronics Corporation of India Limited(ECIL) and the regional complexes of Defence Research and Development Organisation (DRDO). By identifying some high-impact use cases, the Government of Telangana also aims to prioritise solving problems which are pressing and have a direct impact on the state, its industry, populous and the nation at large.The government of Telangana also plans to provide competitively priced land in strategic locations inside the state for SpaceTech companies to set up their facilities - including commercial ground stations for satellite constellations. Telangana also has plans for an INR 1,300 crore fund meant for supporting startups under its Information and Communicational Tech.(ICT) policy, the policy explicitly says that space tech startups would also be eligible for support from this fund. As a way to harmonise its other high-tech initiatives such as Telangana’s AI Mission (T-AIM) and Open Data Platform, the policy also advocates for the State Government, Union Government and space tech companies involved in geospatial applications like earth observation, to synergise all efforts. Furthering the cause for synergising the state’s development goals and national space endeavours, Telangana hopes to facilitate partnerships between its own space tech industry and national Public Sector Undertakings (PSU), Union Government agencies, and foreign companies. The Government of Telangana also plans to support individuals and startups in the space tech sector with Intellectual Property (IP) development and preservation by providing advisory services in filing patents and ensuring legal compliance both domestically and internationally. The focus is also on the insurance, banking and financial services sectors. The policy highlights the need for a better understanding in analysing the risk associated with building and operating big ticket items like privately owned and built space launch vehicles and satellites. Matsyanyaaya: How Does the India-EU Trade and Technology Council Work?— Arjun GargeyasI had written long back in this newsletter about the proposed US-EU Trade and Technology Council and how it actually reveals the fissures that divide them with respect to technology cooperation and regulation. Fast forward to the present and we have the president of the European Union (EU), Ursula von der Leyen visiting India during the ongoing Russia-Ukraine war. An interesting aspect of the visit was the harmony between both India and the EU on most matters with the exception of the Ukraine war. But the highlight of the visit was the establishment of the India-EU Trade and Technology Council modeled after the US-EU agreement. This is the first time India has signed any such agreement with any of its partners. It will allow the two partners to address challenges in trade, trusted technology, and security, deepening cooperation in these fields. The primary objective behind the agreement is to ensure both sides can work in collaboratively in fields such as 5G, artificial intelligence, climate modelling, and health-related technology.While the talks behind the proposed India-EU Free Trade Agreement (FTA) have gone on for over a decade, this agreement comes as a positive step towards building a partnership between India and its third-largest trading partner. It should also be noted that the EU has extended this kind of agreement in technology-related domains only to the US and India thus far. Reports say that the Trade and Technology Council will provide the political steer and the necessary structure to operationalise political decisions, coordinate technical work, and report to the political level to ensure implementation and follow-up in areas that are important for the sustainable progress of European and Indian economies. The current Technology Council between the US and EU has introduced the concepts of different working groups and departments in charge of translating the political decisions into actual deliverables. These working groups range from investment screening, climate technologies, and supply chain resiliency among others. A similar working setup is likely to be adopted in the India-EU agreement depending on the comparative advantages that both partners have to offer in the technology markets.But one of the other questions that still needs to be answered is the effectiveness of the agreement. This depends on the extent to which the EU is amenable to sharing critical technology with India. There are some strategic areas of technology that domain leaders like the EU might not be willing to pass on to India. The question of how they can navigate this kind of impasse can determine the extent to which the agreement can flourish. Similar to the US-EU Trade and Tech Council agreement, this agreement will have the clouds of technology regulation hanging over it. Both partners view the process of regulating technology from a different perspective. The differences in the EU’s General Data Protection Regulation (GDPR) and India’s proposed Personal Data Protection Bill highlights the change in approach taken by both parties. Finding a common ground to important questions like these is imperative if the signed agreement can actually result in deliverables. It is indeed a welcome surprise that the India-EU Trade and Technology Council has been initiated considering the indecisiveness that existed in finalising the FTA. This offers a great opportunity for both countries to tap into each other’s strengths and overcome their weaknesses in the technology sector through consistent cross-border trade and flow of labour, capital and IP.Antariksh Matters #2: ISRO’s Annual Report Looks at Both Hits and Misses— Pranav R. SatyanathThe Indian Space Research Organisation (ISRO) released its annual report last month, which highlights the organisation’s major activities in the past year and plans for future missions and satellite launches. Main highlights of the report are as follows:ISRO’s accomplishments in developing indigenous navigation capability: The Navigation Indian Constellation (NavIC) consists of a constellation of eight satellites which provide standard positioning services for civilian use and restricted services for the government and military services. According the the report, ISRO has worked towards enabling NavIC services on mobile devices, and integrated the Second Generation Distress Alert Transmission (SG-DAT) to provide services such as the broadcasting distress alerts in remote locations.Advancements in indigenous launch capabilities According the ISRO’s annual report, there have been two major improvements in the development of indigenous launch capabilities, First, the development of the three-stage solid-fueled Small Satellite Launch Vehicle (SSLV) which can launch small satellites weighing upto 500 kg into Low Earth Orbit (LEO). Second, the development of the Reusable Launch Vehicle (RLV) is currently under initial ground-testing stage using a demonstration vehicle.Development of the Gaganyaan Human Space Flight missionThe 2021-2022 annual report provides a greater level of detail into the Gaganyaan Programme in comparison to last year’s year’s report. Information regarding the design of the orbital module, crew module and the parameters of testing along with the results of the initial testing of the service module propulsion systems have been provided. Although an initial date for the launch is yet to be confirmed, it is likely that the first unmanned launch will occur some time in 2023.Other highlights include ISRO’s steps in building space situational awareness (SSA) capabilities. The report highlights the  use of the  radars and electro-optical telescope for tracking objects up to 10cam or higher in LEO, and tracking objects 40cm or higher in Geosynchronous Earth Orbit (GEO). In March 2022, ISRO released its first report on Space Situational Assessment, which goes into greater detail regarding India’s debris mitigation activities. During the recent US-India 2+2 Ministerial Dialogue, India and the US signed a Memorandum of Understanding on SSA cooperation. The US currently operates the world’s largest SSA network, called the United States Space Surveillance Network and provides open-access data of all indexed objects in space.Although ISRO’s annual report highlights several developments in the past year, it is also a reminder of some of the key shortcomings that India faces in the space sector. The most prominent of which is the lag in the number of launches. India conducted just one launch of the PSLV between 2021 and 2022. Further, ISRO also faced a major setback when the GSLV F10 failed to launch due to low pressure in the cryogenic upper stage of the rocket. At a time when the world has witnessed a record number of space launches, India’s lack of sustainable launch capability is a reminder that India must build capacity  — in both state-owned and private space industry.Antariksh Matters #3: Developing an Indian Augmentation for GPS— Aditya RamanathanLast week, ISRO and Airports Authority of India (AAI) made significant progress on the path to operationalizing the homegrown satellite-based augmentation system (SBAS) called GAGAN.On 28 April, an IndiGO ATR 72 aircraft landed at Kishangarh airport near Ajmer, Rajasthan, using GAGAN-based Localiser Performance with Vertical Guidance or LPV. LPVs are similar in concept to the more conventional Instrument Landing System (ILS) used in larger airports, which enables aircraft to land in less-than-ideal conditions. The key difference is that while ILS requires the airport to have the requisite antennae and transmitters, LPV uses satellite signals from an SBAS. In effect, LPVs allow aircraft to land at smaller airports that lack ILS, even when there’s poor visibility or bad weather. The SBAS PromiseGAGAN is a relatively new entrant in the SBAS club. The American Wide Area Augmentation System (WAAS), which covers North America, was a pioneer. Other systems include the European Union’s EGNOS and Japan’s MSAS. China is developing an SBAS of its own based on its BeiDou constellation of navigation satellites. South Korea, Australia, Russia are among other states either operating or developing their own SBAS. The primary use of SBAS is for aviation, and any operational SBAS must be reliable and accurate enough for such “safety of life” uses. Besides aviation, SBASs can also be used by ships maneuvering in narrow canals or by public road and traffic management services. GAGAN is short for GPS Aided GEO Augmented Navigation. Like all other augmentation systems, it uses a combination of ground stations and satellite-based transmitters. On Earth, 15 reference stations receive GPS signals, which are then collated at two master control centres, which correct them for ionospheric distortion, orbit errors, and timing errors on the atomic clocks that navigation satellites use. Three geostationary satellites (GSAT-8, GSAT-10 and GSAT-15) then broadcast the corrected signal back to Earth. Adopting GAGANIndia’s aviation regulator, the Directorate General of Civil Aviation (DGCA) has already made it compulsory for all aircraft registered in the country after July 2021 to have GAGAN receivers onboard. However, for adoption to really take off, SBAS around the world will have to ensure seamless interoperability. India is part of an Interoperability Working Group with representatives from GAGAN, WAAS, EGNOS, and MSAS. But the task of interoperability is only likely to get more complicated in the future, as SBASs begin to rely on multiple satellite navigation constellations and transmit in multiple frequencies. This newsletter will keenly track these developments.Our Reading Menu[Opinion] How should India respond to the US's unilateral ASAT test ban? by Pranav R. Satyanath who is also a contributor to this newsletter[Article] How military technology reaches Russia in breach of U.S. export controls by David Gauthier-Villars, Steve Stecklow and John Shiffman[Article] Data as a weapon: Psychological Operations in the age of irregular information threats by Jon Reisher, Charity Jacobs and John Beasley[Blog] On space barons and global poverty by Harun Onder This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit hightechir.substack.com

The Airports Authority of India successfully conducted a light trial using the GAGAN satellite navigation system for the landing of an ATR72 aircraft belonging to IndiGo at the Kishangarh Airport in Rajasthan last week.  GAGAN is a system jointly developed by the Airports Authority of India and the Indian Space Research Organisation (ISRO) in collaboration with US defence contractor Raytheon at an estimated cost of Rs 774 crores. It provides a very accurate and high-level of satellite signals for precision air navigation over the entire Indian airspace, with the capability of expanding to nearby regions. It is capable of providing navigation services for departure, en-route and landing operations to equipped planes. The DGCA had issued a mandate, directing that all aircraft registered in India after July 1st 2021 to be fitted with GAGAN equipment.  Simply speaking, GAGAN is a Satellite Based Augmentation System or SBAS, which is a regional network of ground stations and satellites that provide GPS signal corrections, giving a better position accuracy.  GPS is the most prevalent Global Navigation Satellite System (GNSS) and is owned by the US government. GAGAN is the fourth such SBAS system that has been operationalised after the US' WAAS, European Union's EGNOS an d Japan's MSAS and it is interoperable with the other three.  The GAGAN system consists of 15 earth-based reference stations, two master control centres, three land uplink stations and three geostationary satellites. The reference stations gather GPS satellite data and the master control centres collect data from reference stations and create GPS correction messages.  Through this, errors caused by ionospheric disturbances, satellite orbit errors and inaccurate clocks are corrected. And through the uplink stations, the corrected messages are sent to the geostationary satellites which then broadcast them to the aircraft.   India is the first country in the Asia Pacific Region to trial indigenous SBAS for landing.  According to SV Satish, former executive director (Air Traffic Management), AAI, GAGAN opens a gateway for all airports to have low visibility approaches. It will bring down diversions, save fuel and boost efficiency. He says, GAGAN can serve smaller airports effectively, and older aircraft have to be upgraded with GAGAN receivers.  GAGAN will help airports which are currently devoid of precision approach capability equipment and have higher visibility requirements. It will reduce flight delays, save fuel, and improve flight safety. Now, aircraft will be able to land at airports not equipped with expensive Instrument Landing Systems, which include many small regional airports.  At present, IndiGo, SpiceJet, Air India, Go First and AirAsia India have aircraft that are capable of carrying out these satellite-based procedures. As GAGAN's footprint expands from Africa to Australia, India is in a position to offer its service to neighbouring countries.  Though primarily meant for aviation, GAGAN's capabilities can be utilised in many other user segments such as intelligent transportation, maritime, highways, railways, surveying and the telecom industry. GAGAN Message Service (GMS) can relay alerts to deep-sea fishermen, farmers, and disaster affected people at the time of natural calamities.  Watch video

 :arrow: :arrow: Ashley Bell SBA Region IV Administrator and Dr. Bruce Berger Innovation and Entrepreneurial Development on Georgia Business Radio Ashley Bell SBA Regional Administrator Ashley D. Bell was recently appointed by the White House to serve as Regional Administrator for the U.S. Small Business Administration for Region IV, serving Georgia, Florida, South Carolina, North Carolina, Tennessee, Alabama, Kentucky and Missouri. As a small business owner and entrepreneur himself from the young age of 23, Mr. Bell is committed to the SBAs mission to aid, counsel, assist and protect the interests of small business concerns, to preserve free competitive enterprise and to maintain and strengthen the overall economy of our nation. Prior to this appointment, Mr. Bell served as Associate Director for External Affairs for the U.S. Peace Corps and Special Assistant in the Public Affairs Bureau of the United States Department of State. During the Trump Pence Transition, he served as Communications & Intergovernmental Affairs Lead on the Landing Team at the State Department. Mr. Bell is also a celebrated attorney, having founded the successful law firm of Bell & Washington in 2005. He is the founder of the 20/20 Bipartisan Justice Center, an organization dedicated to criminal justice reform. He's been named one of America's top 40 attorneys under 40 by the American Bar Association, a National Impact Leader of the Year by IMPACT DC, and was a 21st Century Leadership Fellow at the Harvard University JFK School of Government. Topics to Discuss Introduce the new SBA Regional Administrator to the community Web Site / Social Media Links https://www.linkedin.com/in/ ashley-d-bell-5844631 www.sba.gov @SBASoutheast Dr. Bruce Berger Associate Professor and Director Center for Innovation and Entrepreneurial Development Clark Atlanta University Topics to Discuss Small business and entrepreneurship Web Site / Social Media Links http://www.cau.edu/school-of-business/faculty-and-staff.html Georgia Business Radio Interviewing industry and thought leaders with compelling stories. Relevant content on current business trends live from the Pro Business Channel studios in Atlanta. In addition to the live broadcast, GBR content is in distribution across multiple syndicated platforms with more than 500,000 downloads. Show Hosts: Rich Casanova, CoFounder Pro Business Channel  https://www.linkedin.com/in/richcasanova https://twitter.com/RichCasanovaCom Michael Moore, RainMaker & Chief Storyteller https://www.linkedin.com/in/sellbyphone twitter.com/BuckhedgeCEO Check out more episodes visit: www.GeorgiaBusinessRadio.com To nominate or submit a guest request visit: http://www.meetme.so/GeorgiaBusinessRadio To view guest photos from this show, visit: www.ProBusinessPictures.com ‹ › × × Previous Next jQuery(function() { // Set blueimp gallery options jQuery.extend(blueimp.Gallery.prototype.options, { useBootstrapModal: false, hidePageScrollbars: false }); });

In this VETgirl online veterinary continuing education podcast, we discuss the utility of bile acid measurements in dogs with various forms of liver disease. Serum bile acids (SBAs) are a common diagnostic test performed in small animal medicine, primarily used to assess liver function. As you know, bile acids are typically measured by performing two separate blood draws. They are first measured with the dog fasted, followed by a postprandial measurement taken 2 hours after eating. The postprandial measurement offers even more sensitive detection of abnormalities, in that clearance of bile acids is challenged by the surge that occurs from eating. When we observe abnormally elevated bile acid levels, there are three broad categories of problems this could indicate. One is liver dysfunction, as bile acids are not being cleared effectively by the liver itself. The second is abnormal blood flow, such as a portosystemic shunt. In this scenario, bile acids are bypassing the liver, and thereby not being cleared from the bloodstream. Lastly, bile stasis for any reason can result in elevated serum bile acids, due to impared excretion. While measurement of SBAs may help identify that a problem is present and offer a sense of the severity of the problem, the assay is less helpful in defining what the underlying problem actually is. So, Pena-Ramos et al sought to compare fasted and postprandial SBAs and to determine their sensitivity and specificity in the context of different types of liver disease in dogs.

In this episode, we talk with the Senior Vice President of Gulf Coast Small Business Lending: Jim Frey. Disclaimer: Since this recording, there have been updates to some of the information about the SBA lending. Please refer to the SBAs website for the latest information.

Las áreas de servicio tienen una naturaleza diferente a los negocios con ubicación física y es importante conocerlo para hacer bien su SEO Local.

In this week’s episode we are joined by Dr Yezen an IMT trainee and founder of Quesmed. Join us as he shares his journey from the very beginning discussing the achievements and obstacles he has faced to date in his career. We delve into how he discovered his passion for medical education and the skillset and experience he has since developed. Dr Yezen shares with us the story behind founding Quesmed and why it has proven to be such a popular exam bank in recent times. We discuss the different modalities of medical education in this new era and what the future will look like. We end by sharing some tips on how we can all get involved in medical education from a very basic level even at medical school. Dr Yezen Sammaraiee is an internal medicine trainee at St. Thomas’ Hospital and founder at Quesmed.com. He qualified from UCL Medical School in 2016 with a first class iBSc in neuroscience. During his time at medical school, he founded a number of sustainable peer assisted learning initiatives, publishing and presenting a number of medical education projects in peer-reviewed journals and international conferences. As a foundation doctor in the North Central London Deanery, he successfully completed a PGCERT in Medical Education with a distinction in Technology Enhanced Education. Following this, he completed a Clinical Research Fellowship in Stroke Medicine and Neurology at University College London Hospital before returning to training.Learn More:https://quesmed.comQuesmed iOS App: https://apple.co/3bMVxNzQuesmed Android App: https://tinyurl.com/y3dbr3qh6500 SBAs, 15,000 Anki flashcards and 1000+ notesLearn more about Scrubbed In:Twitter - @ScrubbedIn_Instagram - @Scrubbedin_Download the PodCases Mobile app now - https://apps.apple.com/gb/app/podcases-by-scrubbed-in/id1535819930PodCases lets you Step into the shoes of Doctors to experience medicine. Listen to high quality audio cases and reinforce your learning with interactive quizzes. www.scrubbedin.co.ukHello@scrubbedin.co.uk

In this 'Exam-special' episode we discuss single best answers or SBAs, a common type of question used in examinations across many medical schools and Universities.   With the exam season fast approaching for many of us, we share our experiences in preparing for and sitting these types of exams with discuss top tips and strategies and insights from staff who write SBAs to help tackle even the trickiest of questions! If you enjoy the podcast please do leave us a review on iTunes and if you'd like to contact us you can find us on Instagram (give us a follow!) @thehippocampuspodcast and Twitter @hippocampus_podYou can also email us at thehippocampuspodcast@gmail.com! We are always open to hearing suggestions for future episodes and future guests!

Satellite-based Augmentation System or SBAS  can augment standalone Global Navigation Satellite Systems such as GPS in a number of areas including accuracy, integrity, and availability. It works by collecting raw positioning data from Continuously Operating Reference Stations (CORS) in the region, computing error corrections and disseminating these corrections to users from a geostationary communications satellite via an uplink ground station.   https://frontiersi.com.au/ Precise Positioning Outreach for Australia and New Zealand  https://www.ga.gov.au/news-events/news/latest-news/pinpointing-the-uses-of-precise-positioning Remember to Subscribe :)  Share this podcast with a friend! Join the email list https://mapscaping.com/podcast Happy to connect with you on LinkedIn      

https://vimeo.com/474344220 https://www.currentfederaltaxdevelopments.com/podcasts/2020/11/1/2020-11-02-sbas-coming-questionnaire-for-large-ppp-loans   This week we look at IRS gives guidance to Congressional office on treatment of taxes paid on real estate cooperative Guidance issued for W-2s to be issued for employers who deferred employee FICA at the end of 2020 SBA announces that a questionnaire will be sent to large PPP loan borrowers regarding need for the loan

The SBA announces questionnaires for large PPP borrowers and an unconfirmed copy is distributed online, the IRS gives instructions on preparing W2s for employers that deferred employee FICA from September 1 and more

Steve Hall, Matt Reiffer and Katharine Mottley from ACEC's Advocacy team joined Engineering Influence for our very first video podcast to give a government relations update on their Rescue, Recover, Rebuild grassroots advocacy campaign and the current status of the PPP program.Transcript:Host:Welcome to another edition of Engineering Influence, a podcast by American Council of Engineering Companies. Today we are bringing a new kind of twist to our podcast. We're in the world of Zoom and COVID-19. We're going to try to do something visual this time and have a government affairs update with our own Steve Hall who has been practically on Zoom since the day started to um bring us up to date on what's going on with the Paycheck Protection Program. I want to give you guys a little bit of an idea of where things stand here as far as the association goes and with our industry on the PPP program. In our latest member survey on May 8th, we found that 88% of respondents reported applying for the program. And 94% of those said that they'd been approved for the PPP program and another 4% are awaiting approval.Host:So it was very popular with the industry and 94% let's see here. And just under two thirds, 64% of those firms plan to use all of the loan funding while 22% plan to use some of it and return to rest only 2% right now or are considering returning all of the funds. So it's a program is being accessed by our industry, many other industries. It is a monumental effort by the SBA. This is not an agency that's actually designed to do something like this to take this amount of volume of applications and this kind of money and try to get it out to the economy. It's been going well but there've been issues with guidance. Treasury and SBA have been slow to get some certainty out there with certain aspects of their FAQ. And things have changed over the past couple of days. And Steve, if you want to kind of bring us up to date on, on where the program stands and, and what Treasury and SBA have done and what really, you know, it was going on with the program right now.Steve Hall:Yeah, thanks Jeff. Now we're seeing some encouraging developments really over the past week and a lot of anxiety up until now, and it's lingering a bit, but over two issues really. The issue of, of certifying good faith in terms of economic uncertainty, in other words, is, is the firm worthy to, to receive this loan. And I think what we saw released last week was encouraging basically loan holders at $2 million and below are essentially defacto certified by virtue of the size of the loan. And then the guidance goes on to say that for borrowers above that $2 million SBA is going to work with them through a process to help them to to figure out if they can meet that certification threshold, but a much more encouraging tone, a much more deferential tone than perhaps we had seen in, in previous weeks.Steve Hall:Where there was a great deal of concern generated about you know, what SBA and the federal government take a very punitive approach to borrowers really outside of what we thought was within the intent of Congress. I think Congress really wanted to be very deferential to to borrowers and try to structure the program as such. So that was a good step on that question of certification and and I expect that we hope we'll be seeing some additional information come out on that. The next issue was loan forgiveness. You know, the core of the program and we did see some information come out earlier this week. You know, the, the application for forgiveness and the kind of data and criteria that SBA is looking for, which gives us a sense of what it was, what it's going to take to get some, most, all of your loan forgiven and some guidance with that.Steve Hall:I think we are expecting to see additional guidance, more comprehensive guidance forthcoming. But again, this has been helpful to our firms, to our CPAs, to, to get at least an initial sense of what the agency is looking for to satisfy that question. So, you know, good news over the last week, not a complete catalog of information that we need and where you're hoping to see that relatively soon. And as if history is any judge, you know, it may be that con or SBA and treasury continue to put out guidance in small traunches and then refine that guidance responding to questions from organizations like ACEC. And then at some point we may actually have to go back to Congress if there are structural problems or challenges that are really beyond SBAs per view to to fix where we have to amend the law. We'll do that. But we'll work hand in glove with our members before we do that and work with our CPAs. We've got a lot of very smart people working with us to you know, go through this information and to come up with recommendations that we need to deliver both to the agency and to Congress.Host:Because it is a popular program. And I think that the universal call or answer from, from the private sector is that they want it to be a success. So that there's a lot of, you know, it's not a adversarial relationship with, with, but the SBA and Treasury, it's more just informing them of what we need, what we need to actually make this program work as it's intended. So it's good to see that that guidance come out. And again, you know, as we get this information, of course we're putting it out anywhere we can. So we have our Coronavirus Resource page of course, which is on acec.org. It's right on the homepage when you see that. And, and we're making sure to put all this information into our normal communications to members. There's going to be a weekly message coming out from our CEO, Linda Darr. It's going to be focusing on a lot of what Steve just mentioned here and everything's been linked and it's all available for you.Steve Hall:And Jeff, just to add to that you know, the education side of ACEC is teed up and ready. We've got a panel of CPAs that will take part in a free webinar. Once that additional guidance comes out, we expect that we'll be well attended and we will redo it as often as we need to and as often as new guidance comes out but you know, but the organization really geared itself around getting that information in the hands of our members as soon as possible so they can make good business decisions. And and we're certainly going to continue with that.Steve Hall:And I know that you've been, like I said earlier, you know, you've been busy all day on Zoom meeting after Zoom meeting. We are right in the midst of a larger advocacy push under the Rescue, Rebuild and Recover kind of theme and it's been a virtual grassroots effort. Letters, emails, meetings, Zoom meetings with members of Congress. How many meetings do you think you've been on right now with, with members of the House and Senate with ACEC members across the country?Steve Hall:Gosh, I think we're North of total North of 70 meetings so far. And and these are happening. I've been on a few today and I know my colleagues Matt Reiffer, Katharine Mottley have been participating in these as well. And really the message has been coming back has been very encouraging, you know, lawmakers on both sides of the aisle. They get it. I mean, they want, they very much want to support a recovery agenda built around infrastructure and you know, there's lingering questions as there always is about how to pay for it. But a great deal of interest in doing this. I think you know, as you've heard me say before, I think Congress is still in emergency response mode and still thinking near term needs. I think what, what may be emerging as the next package of assistance may actually be built around assisting state and local government agencies, DOD, transit agencies things of that nature.Steve Hall:Obviously that's something we're very supportive of, you know, anything that will prevent, you know, current projects from being interrupted or shutting down. We want to be supportive of and there does seem to be an inkling of bipartisan support emerging from this approach. So that may be the catalyst for the next package. You know, as, as Katharine indicated, there's sort of hopeful expectation. We might see something in June on that package and and then hopefully, you know, Congress then switches gears and thanks a bit longer term, you know, in a multiyear recovery agenda, you know, built around what Congress has to do this year. They've got to do a surface transportation bill to replace the fast fact by September 30, and they've got to do a big water package. And the Senate stepping out, they, they have reported all of those bills out of committee unanimously. Which is great to see. And and that gives you know, the congressional leaders in the Senate the option to package all of them together into one big package or to move them separately if they wish, but actually to get something done this year, but they got us, they got to move quickly because the clock is ticking.Host:Yeah, it's not in their favor. And you mentioned, you mentioned Matt and Katharine and I think they have joined us, so I'm going to switch over to a view and bring them in. And thank you both for joining in. So we have really the the, the feet on the, the, the boots on the ground here for the PPP and surface transportation effort. So Matt and Katherine, thanks for joining the interview here. Steve was going over, a lot of the PPP work has been done. A lot of the guidance coming out and of course the webinars and the meetings with members of Congress, part of our advocacy program. I mean, I know you've been on some of the meetings as well. How do you think they've gone, this is new, it's virtual instead of going actually into somebody's office and talking to somebody, you have a screen like this where you know, you have maybe 10 people or less and a member of Congress. How, how has it compared to what, you know, the traditional shoe leather lobbying that you guys do?Katharine Mottely:You know, Jeff, I think that's a really interesting question. I mean it is a different kind of connection. On the one hand you don't get that face to face. You, you can't really read the body language and get and get sort of that better sense of the story behind what they're telling you. On the other hand, I think it has sort of opened up these meetings to a larger swath of our members. The meetings that I've been on have had, you know, 25 members from the state with their senators and for some of them some of those folks may not have been able travel to DC on a normal basis anyway. So, you know, I think that sort of greater access for both, for our members and for the legislators can be a good thing.Matt Reiffer:I would agree with that. In the, in the few that I've been on what's nice is you get the Congressmen or the Senator's undivided attention for a block of time. When you're meeting in DC, almost inevitably you get interrupted by votes or committee meetings or markups or important briefings or something. But particularly for the house members who have largely been back in their districts you know, they're not, they're not getting pulled away into those sorts of things. So you get, you know, 20 to 30 minutes of their undivided attention, which is really tremendous. And there, you know, they are so eager to hear about what's going on with their constituents, where their local businesses. So it was valuable for them to hear not just here's our advocacy priorities, but you know, here's what we're working on. Here's what we're experiencing, here's what we're concerned about, you know here are plans for, you know, reopening our offices or keeping our employees safe. Here's the, you know, here's what we're doing, worksite protocols and safety, you know, just a range of things that they care about. And then, yeah, how are the aid packages that we've already approved working for you? Are they helpful? What do we need to change? Cause they want to know. So this has been really valuable input for them.Steve Hall:You know, Jeff, Matt made a really good point there with respect to, you know, how certainly our members reviewed on these calls. You know, because there are great conversations with lawmakers and the lawmakers and seeing each one of those faces on the screen and they're often zoom calls like this. Each one of those faces represents a firm that employs many people. So that, that, that ACC member talking is not really talking just for himself or herself. But for all of the folks that work in the firm and and that reality is not lost on lawmakers and the staff that participates on these calls these, these, these contacts resonate and really do have meaning.Host:And it's just not, the meetings are fantastic. So I think it provides a, it's a new way of reaching out and talking to your member of Congress in person, virtually in person. Like I said, Katharine, if you have 25 people on a call, it's hard, you're hard pressed to find, you know, 25 people don't get them into an office. Even, even a, even a ranking where a senior Member, you know, their offices aren't big enough to fit 25 people in normally. So being able to get people on a screen, you know, you get more, more bang for your buck there. But then we're also doing the traditional, you know, letter writing. We're doing, you know, emails to Members of Congress and of course, social media activity. Matt, I mean we, we've, we've topped a significant number of compared to, I think the last major push was on tax reform and I think we've kind of eclipsed the number of, of emails and messages sent. What's the last you have the last tally available? I know, I don't, don't want to spring it on you, but I know thatMatt Reiffer:I don't, but I can click over and check and get them.Host:Yeah, no, that would be great 'cause I know that the number is significant.Matt Reiffer:Get you real time information. Hang on just a sec.Host:Yeah. that would be awesome because again, you know, on the, on the acc.org website you know, you'll see it right there. When you land on the page, you'll see advocacy and that takes you to the R3 - Rescue, Recover, Rebuild advocacy site where you can click to tweet. It has issue sheets. It has social media resources for, for grassroots activism. And it's really a one stop shop for everything that you need to take part in this.Steve Hall:You know, Jeff during tax reform. And Katharine knows this. I mean, we generated something on the order of 6,000 contacts with lawmakers and which was far and away bigger than we've ever done. And I think when, when Matt last checked this, we were rapidly closing in on that amount. So this campaign is going to go into the summer and I have no doubt that we're going to Go well beyond what we did previously.Katharine Mottely:And you know, Steve, just to add to that, I've heard comments from a couple of our members who remember that advocacy effort during tax reform and part of what they've communicated back is that we didn't realize that we could have such an effect. We didn't realize that our engagement through ACC and contacting our members of Congress could result in such a good outcome. And so a lot of them would have remembered that and taken it forward to this time. And they see that what they do and say and the emails they send can make a difference.Matt Reiffer:I just checked - we've got 2,060 member firm advocates who have taken action and delivered just about 6,400 messages to the Hill.Steve Hall:That may be a new record right there.Matt Reiffer:Tremendous outcome.Host:And again, yeah, this is, this is, this is in its early stages. It's going to evolve as the situation evolves. You know, we're calling for of course a focus on an infrastructure based recovery agenda. Of course that's going to be focused again and Steve, like you mentioned, FAST Act reauthorization and WRDA - two pieces of legislation that are must do's must pass bills and they're already teed up. Each chamber is working on its own respect of tracks and as you noted in the Senate, they've been marked out unanimously. There's no real bipartisan schism when it comes to WRDA and surface - they are a lot closer than people think. So the, the continued push by our grassroots to get this through is going to be significant.Steve Hall:It's going to be critical. Jeff, not to interrupt cause we've, we're, we're hoping to see how spills emerge in the month of June. And so you know, it'd be great if we could double those numbers in the month of June and and give some additional push behind house lawmakers to, to at least get this out of committee in the month of June and get them ready for floor consideration.Host:Absolutely. Well we covered PPP, we covered kind of the advocacy campaign and the, and the work you guys are doing on, on, on the individual member meetings, but then also the webinars and everything else that's going on. I mean it's, it seems like every day there's, there's, there's another webinar or three webinars that we're running to, to make sure we're covered. Anything else to think of as we enter kind of an odd Memorial day weekend?Steve Hall:Ah, you know, just, just the, the issues we've talked about and then side issues, you know, we're working to make sure that issues relative to from overhead are addressed and protected. You know, there is a, you know, regulatory action on the part of the department of defense that would require firms that receive forgiven loans to provide their federal clients with a credit to offset those loans. We don't think that really was the intent of Congress. We've pushed back and we actually have developed a letter that a number of organizations are signing on to, to help us push back. So that's an ongoing priority and something that Matt has been working with the rest of the team on. And as well as similar efforts in issues and potential concerns on the transportation side with respect to state DOTs and the Federal Highway Administration. You know, in addition to the big issues in Congress, there's a lot of granular issues that we're working on with respect to those issues and you know, tax issues and the tax deductability questions that are outstanding relative to firms that receive PPP loans and something that Katharine has been working on.Matt Reiffer:Yeah, I was going to say Katharine and I were a little late coming onto this call because we were just coming off a small firm roundtable with about 40, 45 participants, a really great forum for information sharing and helpful for us to listen to and hear what firms are experiencing. And yeah, there are a lot of interest in both of those issues. A lot of those firms took PPP loans, are interested in forgiveness, interested in the tax component of that as well as the potential impact on their overhead rates in terms of loan forgiveness and how that may be treated for federal state contractors. So yeah, very timely and yeah, very interesting.Host:Yeah, it's nonstop with government affairs right now. So I know it's we're coming on to about half an hour. I know you guys have a busy packed schedule, so I really appreciate you all taking the time to to appear on a kind of an oddly I guess just figure we live on Zoom now. Might as well tried to do a video interview instead of just the the, the good old audio podcast that we do. So thank you for being on. And again, this is Engineering Influence brought to you by the American Council of Engineering Companies. Katharine, Matt, Steve have a great Memorial Day weekend. Stay safe, stay healthy and and stay engaged with us 'cause we are off to the races. Just go to acec.org click on advocacy. It's right there on the homepage. It'll take you right there to the R3 advocacy page, all the resources that you need to take advantage of the grassroots campaign we're running. It's all there for you and just take advantage of it. So thank you all for being on. 

This year has brought a lot of changes for Amazon sellers. COVID-19 has changed the way we sell, Seller Central is moving to Amazon Ad Console, and now we have the ability to edit the creative for sponsored brand ads. Mike and Stephen walkthrough the steps to changing creatives and discuss what this change means for your existing campaigns on today’s episode. We’ll see you in the Badger Den! Episode Highlights: 2:20 Intro 5:30 Sponsored brand ad updates 8:50 Steps to changing creative for SBAs 13:10 Impact of the ability to edit the creative 16:05 Updating vital parts of your SBA 19:00 Closing thoughts Links & Resources Amazon’s announcement for the new feature All our episodes and show notes are available at https://www.adbadger.com/podcast Have a question or suggestion for the show? Leave a Voicemail: adbadger.com/voicemail or 833-BADGERZ Podcast edited by James Ede: https://www.beheard.org.uk/ If you hire James, let him know we sent you!

Welcome!   For being locked down do to this Pandemic there is certainly a lot of technology in the news this week.  So lets get into it.  I will give you my take on a recent federal court ruling about the Computer Fraud and Abuse Act and website terms of use policies. We will discuss the many risks that medical device manufacturers are introducing into hospitals, clinics, and patients. We have a couple of stories about Apple, first off they are ditching INTEL and designing their processors and why the fake news media is so eager to announce problems with their architecture even when it does not exist and much more. So sit back and listen in.  For more tech tips, news, and updates visit - CraigPeterson.com --- Automated Machine Generated Transcript: Craig Peterson: Hi everybody. Craig Peterson here another week with the Corona virus, I guess. Well, the latest coronavirus, right? This one is it called?  Corona, SARS two. Cause it's another version of the SARS virus. Hey Craig Peterson,  here on WGAN heard every Saturday right now from one till 3:00 PM and we talked about the latest in technology. [00:00:30] The things you need to know, things you can do. We kind of have a little bit of fun too. Sometimes we'll get into the real stuff that's serious and sometimes we just talk about some of the cool things and. Well, some things that I like to with the family and all of that sort of thing. And today, of course, is not an exception. [00:00:50] We've got, of course, these SBA loans, and you might've heard me bellyache about these because, of course, they're just not working. Uh, you know, I have a very small company and at the very least, I was supposed to get this little loan that every business that applied was supposed to get, and he supposed to get it within 72 hours.  Blah, blah, blah. From the SBA and to date I've gotten absolutely nothing and it's been weeks. And to top it off, I got an email from them a couple of weeks ago that was really ambiguous and saying that maybe I needed to provide some more information. We called them up to try and find out what's up. [00:01:32] Things just don't work there either. It just gets totally, totally messed up. So  for me  and some businesses obviously, you know, like big ones have gotten millions of dollars, including schools, universities, et cetera. And the little guys that really need the money, we just aren't getting anything. [00:01:55] Welcome to the club if you're one of them. If you're not, I'd love to hear from you. How did you make it work as a small business? Yeah, you can just email me@craigpeterson.com I would absolutely love to know. And then to top it all off, what happens this week? Of course, the SBAs loan system crashes as businesses are trying to apply for this stuff. [00:02:19] Maybe about another, what was it, 310 billion in emergency funds? It was was supposedly released on Monday or made available on Monday, and the portal course crashed and kept crashing all day long. The bankers who are trying to get onto the system to apply and behalf of the desperate clients couldn't get anywhere. [00:02:40] Very frustrating to them. Of course, no integration between the banking systems and the SBA. No integration, easy way for small businesses or even these big businesses that are pretending they're small businesses. No way for them to be able to get the information out there. And many of them are venting online on social media against the SBA, the small business administration that's running the program. [00:03:06] Now I've got to give them a bit of a break because I heard a statistic this week too, that the SBA has processed the more of these loan applications in the last, what is it, a month than they have in the last 15 years, which is absolutely incredible. [00:03:26] American bankers association is on Twitter saying they're deeply frustrated at their ability to access the SBA system. America's banks can help struggling businesses, you know? When did I say at the beginning of all of this. Based on the amount of money they were talking about and assuming that there were a hundred million businesses. I mean, families, excuse me, a hundred million families in the United States. Somebody just do a little quick math here. 100, one, two, three, one, two, three that's a hundred million. Then times 60, one, two, three $60,000 dollars per family, lets see three, three, one, two, three, $6 trillion, which was the estimated cost of the actual first bailout. [00:04:14] You know, you heard 2 trillion and 3 trillion. The actual bottom line was actually 6 trillion. So what we're really, what we're really talking about here is the ability. For the federal government to have given every family in the country $60,000 can you imagine that? What would that do to the economy? [00:04:37] Giving every family in the country $60,000 dollars. Now remember too, that you are on the hook as a family for $60,000 that were given to all kinds of businesses that probably didn't need the money in the first place. And businesses that were, you know, a friend of this Congress critter, that Congress critter. You saw what Nancy Pelosi snuck into the bills. [00:05:03] The Republicans kept saying, they're trying to keep this clean. Let's just get this to small businesses. And of course, the way they set it up, the way they did it just didn't work either.  Man is this is just me. Absolutely. Is it just me? Um. Yeah, the program first went in April 3rd it, and it's supposed to help the neediest businesses, these really small businesses, hair salons, coffee shops, dry cleaners, and businesses like mine. [00:05:31] And of course, it just didn't happen. Its Beyond frustration here for me and for pretty much everybody else. So these truly tiny businesses like mine are gone. They really, most of them are gone. I've seen estimates this week saying that it was probably in the order of 25% of them will never be back. And I was talking with one of my daughters this week and a restaurant in our neighborhood that has been here for almost ever. [00:06:06] A very old business. Uh, that restaurant, the building is haunted. It has been around for a hundred plus years, maybe 200 years. I'm not sure. Very, very old buildings. It's been a Tavern, et cetera, over the years. And he said, there's no way he's reopening. He just can't reopen. You know, he's been struggling for years. [00:06:28] It's a tough business to be in any ways, in the restaurant business, and I've seen stats on restaurants saying that we could see a 50% decrease in the number of restaurants. Number of restaurants, just an entirely here, 50% I don't know what the numbers are going to be. Um, Dallas. Here I, there's an article from, uh, the Dallas eater saying that Dallas restaurants opened in our May 1st is a bad idea. [00:07:00] Market watch has a thing about this as well. My state is reopening businesses, including restaurants and movie theaters. Am I selfish if I go?Many U S restaurants say PPP loans don't meet their needs. Yeah, no kidding. Right? Even if you get the money. You're supposed to spend three quarters of it on payroll and you've already laid off your people, how are you going to get them back? [00:07:23] Because they're making more money. As laid off people on unemployment insurance, and they would be, if you hired them back. So they're not going to reopen, and then you got to consider, well, okay, payroll was this much, but they were also getting tips which subsidized it because restaurant workers, many of them of course, making just to two or three bucks an hour. [00:07:46] This is a disaster. It is an absolute disaster. I don't know how many people are going to end up dead because of the consequences of what we did to try and slow down the Corona virus. And I'm glad we're able to slow it down. I don't know. Ultimately if flattening the curve is going to help, because you remember the whole idea behind flattening the curve was we did not want to overwhelm our medical system. [00:08:17] We didn't want the hospitals to be overwhelmed. Because we wanted the hospitals to be able to treat people that had this Corona virus. And they certainly were able to, we're seeing hospitals now, especially small rural hospitals closing down. Some of them may never open their doors again and they're not closing down because they were too busy. [00:08:37] They're closing down because it didn't have enough income because they weren't doing elective surgery. A their beds weren't even close to being full with Covid patients. Some of them only had a couple of Covid patients in them. So what, what , you know, um, and we've already had people who have committed suicide. [00:08:56] I'm aware of one, personally because of losing their job and now they had to pay the mortgage. They had to pay all of their other bills. They didn't have the money. The government was dragging their feet on it. And then the money that the government's been spending that did not end up in our hands, that money now  is not only money we have to pay back, but it's going to drive up inflation. And what's that going to mean? [00:09:21] Well, It could mean, well, the antidote for inflation from a typical economic standpoint is well you raise interest rates. Do you remember raised interest rates in the eighties early eighties? I had friends who lost homes because the only loan they could get on their home was a a variable interest rate loan. And so they had one of these variable interest rate loans and the interest rate got up into the twenties. I think I remember it being like 22-23% there it there in the early eighties. And so their monthly payments. Just went up. Doubled, tripled, quadrupled some people, and they couldn't afford to keep their home, so they lost their down payments on the houses. [00:10:05] And people are complaining right now that they cannot get a loan on their home because they don't have enough of a down payment. So the banks are getting free money. From us., Ultimately, right? Or from the treasury. So the banks are getting free money and some of these banks now we're looking for 20% down, again, which is what I had to do years ago when I bought my home. [00:10:27] I never only ever bought one home. So man, things are going to be a mess. They are going to be a very, very big mess. Um. We'll see.  In the Financial times, many U S restaurant's highly likely to return the small business aid. I was kind of interested in article denied by insurance companies. LA restaurants are waging a high stakes battle in court now because they had coverage. [00:10:56] It was supposed to cover this stuff and did it? No. Okay. Um. The many privately owned restaurants are saying the Paycheck protection program fails to meet their needs. Oh my goodness gracious. Um. This is, it's very ill suited for their industry from my industry, for most industries. [00:11:19] Basically, if you're a big enough business that you have a full time HR department, an accounting department, you probably could get the paycheck protection program. If you're a small business like me. And things are probably not so good for you, so, huh, man. Anyway, stick around. We'll get into the tech. I promise you're listening to Craig Peterson here on WGAN stick around because we'll be right back. [00:11:55] It kind of sounds like the national restaurant association show here with Craig Peterson, on WGAN. And I was thinking about my, uh, my favorite local restaurant. I love Mexican food. I have ever since I lived in Californ-i-a all of those years ago, out on the left coast. My wife, in fact, the native born Californian, and it, uh, it, I'm, I'm looking at them saying, how are they surviving. [00:12:24] Cause we would go over there once a week at least, you know, taco Tuesday type thing and enjoy ourselves. Have a nice little family outing. I haven't spent a dime there in six, eight weeks. I don't know how long it's been. It's been a very, very long time, so I just don't know. Anyways, let's get in. Let's get into the, um. [00:12:45] The stories for today, and we're going to talk about something that I think is really, really important. Uh, and of course, what else should we talk about? Right? But, uh, we've got, yeah, that was a drum roll. We've got an interesting problem right now. There is a law on the books right now that are inplace and has been in place for about 30 years, and it has to do with the definition of hacking. What is hacking, and it made sense about 30 years ago. [00:13:22] Nowadays, it really doesn't make a whole lot of sense. Because we've got these terms on websites. So for instance. We'd talked about two months ago about a company that was scraping all of the information they could find about us, including our, our pictures, our video, our voices. But primarily they were after our pictures and from every site they could get their hands on from any site whether or not they were violating the site's terms of service. And some of these sites have sued them, et cetera. They've been hacked, and I guess that's what happens when you become a big target. But where should it be going? What should we be doing? We've got a problem right now, and there's a lawsuit that's been initiated by a group of academics and journalists, and of course the ACLU is behind it. [00:14:18] And you know, most of the time I look at what the ACLU is doing and wonder what it is they're up to. In this case, I think they might actually be doing something right. Isn't that nice for a change. They're arguing. That having these investigations against racial discrimination in online job markets by creating fake accounts for fake employers and job seekers. [00:14:49] Is that something that should be done? Right? Leading job sites out there in terms of service that prohibits that, right? So users of these sites are prohibited from supplying fake information, and the researchers are worried that the research could expose them to criminal liability. Because they're posting these things on the site and then they're trying to analyze all things being equal. [00:15:14] Was this a case of racial discrimination? So in 2016, they sued the federal government, and they're asking for whether a decision based on what they're saying is the First Amendment that you could in fact do almost anything online and get away with it. Now, I, for instance, you know, I have been using fake information on websites for a very long time, so when I go to authenticate myself, you know, they'll ask, what street were you born on? What's your mother's maiden name? I always make stuff up for that and I record it. So that later on I can always dig it up because you know someone can go online, they can become your bestest to Facebook friend. They can look at LinkedIn, find out about you and your history. And the younger kids these days have all of the information online and will for their entire lives. [00:16:17] So I have always used different email addresses, different versions of my email address, completely different names made up everything. Now obviously. When it comes to an official thing, like a bank account or government stuff, I'm not lying about anything except for my authenticity to be able to log into the site. [00:16:42] So I'll give my correct social security number, et cetera, et cetera, when it is required, because obviously would be a violation of a law, but they're saying. That under this federal law that's out there, the computer fraud and abuse act, it's been around for 30 years. Would it be illegal to create these accounts where we're just trying to figure out, are these people discriminating. So there is a federal judge by the name of John Bates who ruled on Friday a week ago, that the plaintiff's proposed research would not violate the CFAA, the computer fraud and abuse act provisions at all. And he said that somebody violates it when they bypass an access restriction, like a password, but someone who logs into a website with a valid password does not become a hacker simply by doing something prohibited by a web site, terms of service. [00:17:45] So that I actually, I think was a good ruling here. Now from the ruling itself, criminal is criminalizing terms of service violations, risks, turning each website into its own criminal jurisdiction and each webmaster into its own legislature. Yay. At last. Right now, unfortunately, courts are disagreeing about how to interpret this. [00:18:12] If this law is around forever. In Oh nine the California federal judge, right? What else? Ninth circus rejected a CFAA prosecution against a woman who contributed to a, myspace hoax that led to the suicide of a 13 year old by the name of Megan Meyer. And in that, the prosecutors argued that they had violated my spaces, terms of service. [00:18:40] In 2014 the night circus, uh, rejected another prosecution based on terms of service violation. So obviously I'm in favor of this. They're kind of moving in the right direction. We've got the seventh circus, uh, ruled that an employee had violated the anti hacking law when after quitting his job, he wiped an employer owned laptop that contained information that was valuable to his employer. [00:19:08] As well as the data could have been revealed misconduct by this person. So I think most of the way we're talking about the courts coming down the right direction here, but, uh, I, I'm very glad to see this because you know, that I. Protect site against hackers and hacking, not just websites, but businesses, right. [00:19:30] Including a real enterprise is real big businesses and I've done that for years. Usually the smaller divisions, because even the public companies have their own it staff and you know, they hold it all very close to the chest. It's in tasks. I don't trust anyone else. Don't, don't go with that person. Don't do what they say. [00:19:50] Yeah. Right. Which is, or I kind of get it cause I'd probably be saying the same thing, right. Cause I know what I'm doing, but in many cases they're just trying to protect their jobs. So when I am. Doing this. One of the things we do is have a honeypot set up. So what happens is the bad guys get onto a network and they started attacking. [00:20:13] They're immediately going to get into the little honeypot and the honeypot looks like an unpatched system. Might be a Linux system. Usually it is, or it might be a windows system, and so they start hacking away at it. And that immediately just sets off a trip wire, right? Cause I know, wait a minute, wait a minute. [00:20:33] Somebody's breaking into this system. So we monitor pretty closely. We know what's happening on it. I basically, all of the time, and there were interpretations of that law that would say that what I was doing was illegal. It was part of security research, even going on to the dark web and downloading some of these databases of hacked accounts. [00:20:55] Passwords, usernames, emails, et cetera. Even going online, looking for my client's information on the dark web could be considered to be illegal, so we've got to update these laws. There's a whole lot more, obviously, that we have to update, but I'm glad to see some of the stuff coming down on the right side. [00:21:15] Hey, we've heard about companies moving back to the U S now because of the Ruan virus and other things China's been doing. To our U S corporations for years. Uh, did you know Apple is doing something completely differently to this year that will potentially get them out of China, at least for the most part, stick around. [00:21:38] We'll be right back. This is Craig Peterson here on w G a N and online@craigpeterson.com. [00:21:54] Hey, welcome back. Craig. Peter sawn here. Listen to me on w. G. A. N I'm heard every Saturday from one till 3:00 PM and on Wednesdays I'm on with Matt during the morning drive time. You can pick me up at about seven 34 or every Wednesday morning as we talk about the latest in the news of technology. Hey, you might've heard of Fox con they are a big company based in China. [00:22:26] They have offices while manufacturing plants, frankly, all over the world. They've got factories in Thailand, Malaysia, Czech Republic, South Korea, Singapore, and the Philippines. They also were talking about opening up some plants in Wisconsin. Apparently those never actually opened, but they are. Busy worldwide. [00:22:49] And Fox con is Apple's longest running partner in building I-phones and some of the other devices that China makes. I mean, that Apple makes or sells, right, because remember who makes this stuff anymore? Well, Apple hasn't been making its newest IMAX or not IMAX. I shouldn't say a Mac pros. Yeah. In the United States. [00:23:14] Again, not that itself, it's a contracted manufacturing company, but the Mac pro, the one that came on 2013 as well as the new Mac pro are entirely made in the United States. Now, when we're looking at things like the iPhone and some of these other devices, yeah, they are certainly manufactured by Foxconn in China. [00:23:38] In mostly in at Shenzhen China location, but in fact, key iPhone components, according to Tim cook, are manufactured in the United States and then shipped abroad. And then the devices are assembled by Fox con, and then there's another company called Pegatron in China. Bottom line. What they are doing and what Apple is doing is protecting its intellectual property. [00:24:08] And we've heard of this before, haven't we? Where companies are in China, China requires them to give all of their intellectual property to their Chinese quote unquote. Partner, right? And Chinese national has to have at least a 50% ownership in it. It's real problem all the way around, and when we're looking at what's happening with the iPhone in the manufacturing in China, things are going to be changing. [00:24:37] In fact, they're going to be changing for a bunch of Apple's devices, including some of their new Mac books. If you've ever gotten into some of the hardware details inside of. It's a Mac books and, and in fact, they're Mac computers. Over the years, Apple has gone through a few different CPS. They were using the power CPU while before that they were using the murderer, Motorola, the 68,000 based CPS and a very, just an amazing CPU. [00:25:07] I remember at the time doing some operant system ports to it. It was just amazing. And then they went to Intel and, um. After. I'm not Intel, I mean, power PC, which was an IBM design. Frankly, power chips are the most amazing chips there are. Uh, from a cost perspective and performance. It's just, they are absolutely amazing, but they run hot and they use a lot of electricity, which is why you don't want them in a lab. [00:25:39] Top and Apple was not, or excuse me, IBM was not able to deliver to Apple chips that would meet their power requirements and performance requirements. So Apple said, okay, well we're going to switch to Intel because Intel promised that they would be able to provide the faster chips and they run cooler, so they'd be better for laptops and things, and they started using Intel. [00:26:04] And Intel worked out okay. Right now, by the way, uh, Intel is losing the performance war to AMD advanced micro devices. So that's kind of cool to hear those, you know, those things kind of shift back and forth every once in a while. But Intel has been unable to meet Apple's delivery requirements, and Apple's have been pretty tough over the years. [00:26:25] Look at what Johnny Ives has done with some of the designs, but Apple says, Hey, listen, we need a. Perf performance increase in the processor and we want to choose less juice and give off less heat. Well, those things are all difficult to do for a microprocessor manufacturer. So what Apple decided they would do is they went to an open source CPU design and started with that base and went on from there to have some just absolutely amazing chip designs. [00:26:58] Now I, I love some of these designs and they're showing up. But in all of our I-phones, if you have an iPhone or an iPad, you're using one of Apple's chips. Uh, the age 12, I think is the latest one. I'm trying to remember, uh, the version numbers, but, but they're made by Apple quote, unquote. In the U S for the most part, certainly not in China, and they are very efficient from a performance standpoint. [00:27:27] They're very fast. So they've been doing a very good job with these. Now, I, I talked to a couple of weeks ago about how much an iPhone would cost if it was made in America, and I saw another study that came out last week, so I had to bring this one up because the other one. Wasn't that clear. They figured it would only be a hundred $200 more. [00:27:48] So Wes, what RAs? Why Lara? This is from fi.org. You'll find this article online, uh, which is the foundation for economic education. And this is an article by Mark Perry. He's saying that an iPhone that today costs about a thousand dollars if it were made entirely in the United States, if it even could be, because believe it or not, the United States has fallen behind. [00:28:21] In manufacturing technologies because we have blood, China get ahead of us. We gave them all this technology to start with. I've complained about that before too, and now they are ahead of us, so we don't even have the ability to manufacture these things here in the U S right now, we not only have to ramp pump, but we'd have to develop some new technologies and. [00:28:45] That thousand dollar iPhone that is assembled in China that has some component parts made in the United States would push the price of an iPhone components from about 190 $190 that's what it costs right now. Estimated, right? Apple doesn't release these numbers, but estimated to cost $190 right now, it would be about $600 if it were. [00:29:12] Made in the us. So if the materials alone are costing better than triple what it would cost in China, we could probably see a $2,000 iPhone. Now, do you remember that the U S is only bringing in 6% of the profits from iPhone sales? Two out of three iPhone purchasers are not based in the United States. [00:29:38] Now, that's a huge change from years ago when most of Apple's customers are in the U S but right now with the whole. A wound virus has been spreading in China. The app, the iPhone sales are way down, and that's probably also true of other countries as well. So this is going to be an interesting little battle as we go ahead. [00:30:00] But here's the really big news as far as I'm concerned, and that is. That Apple is going to start making the Mac book using their chip sets. So like these eight, 12, and other processors I've been talking about, they've got the, uh, a fourteens are the new ones that are coming out. I think I got that model number right. [00:30:27] But these are 12 core chips and they are actually. Two chip sets. There's uh, that, that are in one package. It's just amazing what they're doing, but some lower powered ones for doing things that don't need a lot of CPU power and some higher powered ones. And they're going to be coming out in the new iPhones and the new iPad, but they are also going to be coming out in the new Mac books now that. [00:31:01] Is amazing. 12 core CPU is aided by a graphics processor that is probably going to have its own collection of cores. This is amazing. If you look at the current iPad pro tablets that are using the eight 12 X and Z chips, we're talking about an Apple iPad pro outperforming. 90% of recent PC laptops, so this could be amazing. [00:31:31] Apple's moving this, some of this back to the U S and they're getting Intel out of the way, and I think that's a good thing, frankly, for Apple. But listening to Craig, Peter sauna, WGAN stick around. We'll be right back. [00:31:50] Hello everybody. Welcome back. Craig. Peter Assan here on w G a N having a good time today. Hopefully you guys are as well, whether you are kind of locked up in the home maybe or any central person like you, me and your, you're out and about and maybe taking a little time on Saturday too. Work in the yard. [00:32:12] I appreciate you all being with us today. I have just absolutely amazed here what Apple is doing and congratulations to them now once get into our hospitals cause they've been in the news a lot lately. You know, we've got people. Who will have the Woodlawn virus, right? Who have the symptoms of this coven 19, which is very bad. [00:32:39] And, uh, it's particularly bad for older people. We have seen now covert 19, the average of the average. Age of someone who died, what state was, it was like 82 I can't remember if that was a single state or if that was a Countrywide, but that is frankly, absolutely amazing. That means it is killing older people, but we're also seeing other symptoms. [00:33:07] Now we have, people are getting blood clots. You heard about that athlete that had to have a leg amputated. Again, it's absolutely amazing here. Uh,  hospitals right now, according to the New York times, this is from Wednesday this week saying that airborne coronaviruses detected and woo Han hospitals right now. [00:33:29] That is not good. Um. It's man. I'm just going through these articles. It just, it just, I shake my head, but we're starting to see some electric surgeries coming back to hospitals. Uh, most of these field hospitals that were set up or shut down. Down, they were largely unused and right here, according to the Bangor daily news on Wednesday, we've got two bankrupt main hospitals warn they could close in June if they don't receive stimulus funds and president and Trump has announced that, yes, indeed, our hospitals are going to get stimulus funds. [00:34:08] But if you heard me at the top of the hour, you heard. You heard me talk about how, uh, you know, we were promised funds too, and we just haven't gotten any. So it's, this is going to be a very, very big problem for us all. Uh, and when we're talking about hospitals, there's one other angle or that people just aren't paying attention to right now. [00:34:30] You know, w we talked about the ventilators. And there w there just weren't gonna be enough. Right. And here in Maine and all over the country, there were more ventilators than were needed. And that's true. New York as well. And come to find out, of course they sold 500 ventilators rather than maintain them. [00:34:52] And instead of ordering more ventilators, what did the government do there in New York? While they just commissioned a plan as to how they were going to ration them, who got. To die, right? That's socialized medicine for you. If I ever heard the definition of it, a total death panel, but the good news is we didn't need all of those, but we've got the internet of things and we've talked about it and I've talked about it in my tree trainings and we go into it in some depth. [00:35:21] In my courses, but the so called internet of things also extends to our hospitals. It's the internet of medical things, and these devices are going online. Hospitals and medical facilities are really starting to stare this in the phase. And I mentioned when I was on with Matt Gagnan on Wednesday morning this week, that there is a problem been around for a long time. [00:35:50] I have my first, in fact, a hospital chain as a client was 25 years ago. Maybe. And we were trying to clean things up for them, fix them, network stuff, put some security stuff in place. And what did we find? Well, those those machines, those hospitals, plus all of the clinics that were affiliated with the hospital had old hardware that they just weren't taking care of. [00:36:18] These devices that are controlling the systems in the hospitals. Everything from the air ventilation systems through. All of the medical equipment. Think about all of this stuff right from the, the drip machines, the Ivy machines, the ventilators, our the MRE machines, the x-ray machines. Some of these devices are running very outdated operating system. [00:36:46] Some of them are still running windows 95. Windows XP, windows seven none of which are currently getting patches or updates, and many of them were never intended to go on line at all. Think about that. When, when they were designed the windows 95 and XP. They weren't thinking about these things being hooked up to the internet or even other networks really. [00:37:13] They were just kind of standalone systems that sat in a corner and then the programmer said, Hey, listen, we can add, there's really cool feature. We'll tie them together. And so doctors can look at x-rays remotely. And so a system that was never designed with network security in mind all of a sudden had a network connection all of a sudden was being used online on a network. [00:37:35] In a hospital that had never set it up properly in the first place. I really wish more of these medical centers in the hospitals would call me because they need so much help, and many of them don't even realize it. They, these things have no cybersecurity protection whatsoever, and then the hospital networks are often not even segmented. [00:38:01] That's something I teach home users to do. So that's allowing attackers to enter anywhere in the hospital and move around so they can get to the billing. They can get to all of these machines there. Even being researchers that are saying they have seen hackers inside cardiac pacemaker machines. Think about that one for a little bit. [00:38:28] How about if it gets onto one of these machines that's running on an older version of windows or even a brand new one that hasn't been patched up and they get onto it to a hacker, it may just look like, Hey, this is just another windows 10 machine. I'm going to use it for Bitcoin mining. I'm going to use it for spreading ransomware around. [00:38:48] You think that might be a problem? So it is now Bitcoin mining instead of watching your cardiac rhythm. Right? And so when I was going to overheat, it's gonna use up all of the systems, resources. It's going to spread ransomware throughout the hospital. We've seen that again and again and again and again, and we've seen that again and again in , even in our state, New Hampshire has had this as well. [00:39:17] I talked to and helped a school district that had been nailed by ransomware and they decided they were just pay the ransom, which by the way. Tells the ransom Merz, Hey listen, let's hack them again and put another ransom on. Cause we know they pay the ransom right. So there's third problem the hospitals are having is with all of this vulnerable equipment. [00:39:40] They're not replacing them. They're not upgrading, and they're not patching them. And not enough of this equipment has been recalled by the manufacturers because the manufacturers have gone on to a newer model, Hey, listen, uh, no need to update that machine or buy a new one for only $50,000. So where are the manufacturers spending their time? [00:40:03] Where are they focusing their efforts? Well, obviously they're focusing their efforts on getting them to buy a new machine to design these new machines. It is a very, very big, big deal. Now, another one of the big attacks, most common, I mentioned ransomware when it comes to the intranet of medical devices, but. [00:40:26] The other big one is a distributed denial of service attack. Cause you remember these devices in the hospital are performing critical. Things, right? Very critical functions that, as I said, there might be running a cardiac machine on MRI. They might just be keeping track of doctor's notes, all of which are critical. [00:40:49] So if a nation state specifically targets an IV pump and changes the dose of medication, what do you think will happen? It certainly could happen, but the more basic thread is. These devices getting a denial of service attack. So the whole network at the hospital becomes overloaded and now nothing works at the hospital. [00:41:18] So there's, there are just the basic threats that aren't being taken care of. Ransomware, phishing emails, and these attacks are targeting the weakest and the oldest operating systems that are typically running on these devices and hospitals are top targets. Now, one of the big hacking groups out there that has ransomware all over the world said, Hey, listen, in this time of covert 19. [00:41:44] We are not going to be attacking the hospitals because it just isn't fair. And in fact, they have been attacking hospitals. They are the top targets still for ransomware because they're very vulnerable and they pay. And that's why, what was it, five years ago? Seven years ago? I designed a system just to, it's a small computer. [00:42:09] Based on a little in Intel Adam chip that sits in front of these devices for manufacturers, for controlling valves for more critical equipment. It just sits there. And it is a specialized firewall for that piece of equipment. So this is a problem. It's a very, very big problem in hospitals, frankly, are afraid to do anything because they're afraid they're going to get sued. [00:42:37] Their insurance companies are sitting there saying, Oh yeah, yeah, well, if you're going to do an upgrade, the equipment might not work. Properly and you might get sued. So we're going to increase the fees for our, for our services, for our premiums. Premiums are going to go up. Okay. So they just don't want to do anything. [00:42:58] And then you got the FDA right? Man, does this story ever end? And, uh, FDA is saying, Hey, listen guys, we're okay with you doing patches, the hospitals afraid of recertifying. And I love this quote here. Uh, it says it's a willful lie on the part of some stakeholders in the system that you can't update medical devices. [00:43:25] Why do you think that. W why do they think that? Well, bottom line is that. These device manufacturers are telling them, you can't update because your insurance premiums are going to get too high. The FDA says it'll have to be read, type accepted for use, et cetera, et cetera. But I want to let you know if you work for the medical community here at any level, the FDA. [00:43:54] Has post-market guidance that they issued in 2016 and in that, the FDA explained that while federal regulations require manufacturers to report certain actions, the majority of the actions taken by manufacturers to address cyber security vulnerabilities and exploits are generally not considered to be a type of device enhancement for which the FDA. [00:44:21] It does not require advanced notification or reporting. So some good news there, we'll let the hospitals know. If you're involved with this industry, guys, pull up your socks. Hire security specialist. Some of them have been doing it for awhile. That can really help you out because there's so much to know. [00:44:40] Hey, you've been listening to Craig Peterson and WGAN and online@craigpeterson.com stick around. [00:44:51] Hello everybody. Greg Peters song here. We of course are on every Saturday from a one until three and I'm on with Matt Gagnan as well on Wednesday mornings during drive time at about seven 34. I've been in the tech business now for many decades, and then the security business helping businesses secure their internet connections. [00:45:16] Really since 91 and I have quite a backstory, and one of these days we'll have to have to share it with you, but I'm a business guy and this whole security thing, you know, back in the day. I did not really understand security, probably like a lot of you guys and uh, but I was very, very technical. I had helped to implement a number of the protocols that are used on the internet and that was a big win for me because I was able to take what I knew, dig into it. [00:45:47] It took me a few days to figure out what had happened and then lock things down and I was kind of years behind at that time. Point because the, what I got, which was called the Morris worm, had actually been known for a few years before it hit me. And that was kind of a shame. So, you know, back then, of course you didn't have Google. [00:46:09] AltaVista wasn't around yet. None of this stuff was out there. We were using a gopher search engines, right. Or Veronica, Archie, Jughead back in the day, and trying to figure it out was really a bit of a chore. Once I figured it out, it was easy enough to fix, but I almost lost my business over that and that was a very scary occasion for me. [00:46:29] So I have really kind of dug into it, and I've been helping out a lot of businesses here over the years to help be secure, and I'm doing the same thing as well. For individuals. And that's what this show's all about, right? We're trying to help you guys out with that. Talk about some latest cool technology. [00:46:48] And, uh, I was so successful in being able to help outfit, I was even drafted by the FBI's InfraGuard program and trained, I've trained thousands of businesses literally here across the nation on what. To do in order to keep safe, and I continue to do that with free webinars, courses, memberships, all that sort of stuff. [00:47:10] Anyhow, if you miss the first hour today, I talked about a change here in the way criminal hacking is being looked at by our courts, and that's. Very good things about time. They changed that Apple is going to be selling max with its own processor starting in 2021. Say goodbye to Intel, and I would add to that. [00:47:34] Good. Riddens uh, also the internet of medical things. You've heard me, if you've been listening to me. Uh, you've heard me talk a little bit about the internet of things. Well, there's something called the internet of medical things as well, and that is frankly very, very scary. So that's how we ended up last hour. [00:47:56] And I want to invite everybody to go online. Go to Craig peterson.com you will see all of the articles I talk about today with all of the background. You can listen to my podcasts, you can watch my videos every once in a while. I even have some trainings. Up there, but if you sign up, you can get my weekly newsletter, which does contain all of that stuff. [00:48:19] Craig, Peter, sawn.com/subscribe so you can just get out your phone. It'll work on your phone. It'll work on your desktop, on your laptop. Craig Peterson. Now I saved Craig Peterson because it's an O. N it's not an E. N, it's N. O. N. Alright, so it's Craig, CRA, I G just like you'd expect Peter sohn.com/subscribe and I do not. [00:48:46] I do not pass to you. In fact, when I have something that I am launching, you know, a new, a new course, a new product, whatever it is, I will give you the option to opt out of that. If you're not interested in it, and I, I, you know, just click right there and you'll still get my weekly newsletter. But you won't hear anything more about that particular promotion that's going on at the time. [00:49:09] So I'm not like some of these marketers that just slam you every day. I don't even consider myself a marketer. Right? I'm a tech guy that happens to have something to sell, not quite the same thing. Anyhow. Um. Yeah, w and the plenty of free stuff. A lot of people just use the free stuff and that's all they need. [00:49:30] We have a report that's been in the media that I want to talk about right now, and this is a report about this so-called zero day exploit against iOS. Now, what is zero day exploit? Basically. Uh, what we're talking about when we say zero day means, uh, it's kind of like patient zero, who was the first person to get the Corona virus as an idea, right? [00:49:57] That's patient zero zero day here. When we're talking about some of these hacks means no one has seen this particular hack before, at least no one was aware of it. Now, sometimes the government agencies. Of our government and other foreign governments, we'll find something out. Of course they won't. Uh, they won't tell us about it. [00:50:20] Right. They'll just kind of use it. That has actually changed under the Trump administration. President Trump has been adamant that they share this information. I'm sure that keeping a couple of things back, but the NSA even has been sharing information about exploits that are going on. So we're funded about more and more of them, but in this case, there is supposedly an exploit that's out there in the wild. [00:50:46] And then the wild means it is being used. It has been seen out there. And this particular exploit is supposed to be used just by sending out a specially crafted, uh, email. Okay. And I'm supposedly, I saw another article that was saying, Oh, it's especially triggered SMS, a text message or message message or something. [00:51:11] So there's a San Francisco based security firm named Zach ops, and they said on Wednesday that attackers a dues the zero day exploit against at least six targets over a span of at least two years. Well. Now that's being disputed because Apple is certainly acknowledging that there is a flaw in the mail app, but it is a bug that causes the app to crash. [00:51:39] It does not give the bad guys access to anything. Basically. So the bad guys, certainly, yeah. They could crash your mail app and it's just going to restart automatically, or are you going to click it and it'll re restart right on your iOS device. But in this case, what we're talking about is something that's really a whole lot different, a whole lot worse, or is it frankly, right? [00:52:04] If it's not giving them access to your data. Is it really worse because it can't take full control of your iPhone, unlike what some of the media outlets were talking about. So Apple had declined to comment on the report, but they came out and they said that the bug posed a threat to iPhone and iPad users and there had not been any ax exploit at. [00:52:29] All in the statement they said, Apple takes all reports and security threats seriously, thoroughly investigated. Researchers report based on the information provided have concluded these issues do not pose an immediate risk to our users, and they go on to say that they found these issues in mail that. [00:52:47] Cannot bypass the iPhone and iPad security protections and no evidence that they've been used against customers. Now Apple's really good too about trying to track what is happening on phones. You might have noticed if you go in complaining about a problem with your phone and you go into the. Oh store. [00:53:04] They can look at logs on your phone to see if the app has been crashing, et cetera. So yes, indeed, they can check this out and take care of it. There have been a number of independent researchers that have also questioned the conclusion that zinc ops came to, and I think this is good. You know, you've got to be out there. [00:53:26] You've got to be talking about these things. Apple did respond. I like the fact that it was all public here. And that people were able to look at it and kind of figure out what was going on. Cause there have been exploits. We know that the WhatsApp app has been nailed a few times and I think part of the reason for that is WhatsApp is supposed to be secure. [00:53:47] Well, how secure is it. Really, and so they, the bad guys are constantly kind of going after it, trying to prove that it's just not secure at all. But really they identified a crash report. They found a way to reproduce the crashes and some circumstantial evidence. Told them that may be this was being used for malicious purpose purchase purposes. [00:54:11] Okay. Um, so, uh, anyways, that's where that stands. So what to do, obviously keep your software up to date. Apple is very good, unlike again, in this month. Microsoft's updates ended up causing serious problems. For some people. Apple's updates rarely cause those types of problems, and when we're talking about iOS, they just don't get any easier. [00:54:39] You can apply them very, very simply. In fact, they will usually, if you have automatic updates turned on on your iPhone or iPad at night, while it's sitting there on the charger, it's going to go ahead and update itself, upgrade itself, and then the next morning, Qatar, you've got the whole new operating system you had to do. [00:54:57] Absolutely nothing, which is, man, that is my idea of an easy time, and you've heard me before, I'm sure say don't use Android and people just, I ignored, I don't understand why. Right? Some of these people, like Danny, for instance, I'm thinking of, he follows. Everything I say to the T and it has saved him again and again. [00:55:22] In his small business, he has a franchise restaurant and you know, Oh, we'll see how the restaurant business does, but he's doing okay right now, but he still uses an Android phone and I don't get it. You know, I, I'm not really fond of. Any of these big companies, politics, you name the company, the politics are probably bad nowadays. [00:55:44] You know, it used to be assumed that, Oh, big corporations, they were big, they were evil, they were nasty. And if you notice the Democrats, now they're not talking about the evil millionaires. They're talking about the evil billionaires, because of course they're millionaires, right? To all of them, Joe Biden, Nancy Pelosi, the senators out there in California, Feinstein and others. [00:56:06] But, um. You know, the these big companies, so many of them are so left-leaning. It drives me crazy, so I get it. If you don't want to use Apple stuff because you don't agree politically with Apple, I think that's an okay reason. But reality sets in. And you just can't continue to use Android. You really can't. [00:56:27] And if you can get off of windows, you should do that as soon as you possibly can. Anyhow, that's just my opinion. So stick around. When we come back, we've got more to talk about. Of course, we're going to get into a very kind of an interesting problem over at Amazon. You're listening to Craig Peters on a w G a N stick around. [00:56:50] We'll be right back. [00:56:55] Hey, welcome back everybody. Craig Peterson here on WGAN. You can hear me, of course. Every Saturday from one til three. You also can listen to me on Wednesday morning. Yes, I'm on with Matt Gagnon. Did you know there was a morning show. Yeah. Drive time. So I'm on with Matt every Wednesday at about seven 34 for a few minutes to talk about the latest in technology news. [00:57:23] And of course we get to spend a couple hours talking about this in more detail on Saturday. Well, we just talked about this iOS zero day bug, and what does that mean to you? Doesn't look like it's totally legit. Big, big problem with our medical devices and hospitals and otherwise they are still running windows 95 X P if you can believe that 2007, none of which are supported anymore. [00:57:55] And, uh, you also went into what. Uh, what really has been put in place out there to allow them to do upgrades and updates, but there's so much obfuscation. It's crazy. And then courts violating a site's terms of service is not criminal hacking. So if you missed any of that, you can find it online. You can just go to Craig peterson.com/iheart I also post this whole show as one podcast that you can find on your favorite podcast platform, whatever that might be. [00:58:31] By just searching for Craig Peterson. Or the easy way is go to Craig peterson.com/itunes or if you're like, hi heart, you can go Craig peterson.com/iheart or Craig peterson.com/soundcloud et cetera, et cetera, okay? But it's all out there and you can get the whole show, all kinds of. Put together for you, which I think makes some sense. [00:58:57] Amazon is the 8,000 pound gorilla out there. They have been just really taking over the online retail space in a very, very big way. In fact, the Amazon counts for about one third of all. US-based internet retail sales isn't that huge? Can you imagine having that kind of market share? One third of all of it, but it didn't get there entirely on its own in case you're not aware of it. [00:59:31] Amazon has about half of their items being sold by small businesses, by third parties, and you might've noticed that on label sometimes where the third party, uh, will. Ship has something to you directly, and yeah, it looks like an Amazon box and me having an Amazon tape on it. But in reality, what we're seeing is a return address that might not be Amazons. [00:59:57] Well, these typically are smaller vendors, so think of that for a minute. We've got about a third of all retail sales going through Amazon and about half of those coming from small vendors. That's a very, very big deal. And with the businesses the way they are today, you might want to consider. Should you be selling online? [01:00:24] A lot of companies abandoned eBay because of their pricing strategies and they moved over to Amazon and it's been okay for them over there. But I want to tell you about the problem that's happening right now at Amazon. And this is something I've seen over the years that has bothered me a lot. And I had over the years, a number of friends that had started software companies and some companies that I didn't even know that were. [01:00:57] Well, you know, I knew all of them, but I didn't know the owners. Then they had database software, they had scheduling software. They had a lot of different things, and what Microsoft would do is they'd, they'd keep an eye on the market and they'd say, Oh wait, wow. Wow. That database is doing really well and it's winning. [01:01:18] A lot of DTA deals that our database software's not winning. And the allegations were that what Microsoft was doing was kind of being a predator here cause they would go to the company that had the database software and uh, chat with them and see if the company would sell out at a reasonable price. [01:01:42] And then this is so anti competitive. It's crazy. But then. If that company didn't want to play ball, like sell themselves for super cheap to Microsoft, well, Microsoft was accused of doing and what Microsoft hadn't been convicted of doing in courts now is they would announce a product that competed directly with the small guy. [01:02:11] And wait to see who asked about it. So Microsoft would say, yeah, we have a database product for small businesses. Very easy to use. Drag and drop interface. Everything's going to be great. You are going to love it. And then Microsoft would sit there and see of companies would start calling them and say, when's your product going to be available? [01:02:34] What am I going to be able to do this? Well, in some cases they waited a year or more. And they never ever came out with a product. But what do you think happened to Mr. Small guy out there, the small business that had investors where the owners, they were founders had invested thousands of hours into it, maybe their entire life savings. [01:02:58] Well, people, companies, and I experienced this personally, companies who would sit there and say, well, you know, Microsoft is going to come out with something here. I want to see what Microsoft does. And so that small company. W is now out of business because what are they supposed to do? People aren't buying, you know, their models were based on so many sales and that was based on the people liking their product and talking about it and the marketing dollars they were spending. [01:03:29] But that money was going down the drain because Microsoft was there saying, yeah, yeah, yeah, we'll, uh, we'll, we're going to do this. Yeah. Yeah, us, us, us. And so they got sued again and again, and they lost in court, but it was still cheaper for them and then made more money. Think of the billions in cash some of these companies are sitting on and, uh, that is a bad thing to do. [01:03:52] It really does hurt commerce. It certainly is not free trade. Uh, of course, we live now, I think in a largely a crony capitalist system. And they played that game. They played it very, very well. Well, back to our friends here, Amazon. But yet, you know, those allegations are still floating by the way, about Microsoft and many other companies that appear to be doing that thing in. [01:04:18] Here's what happened to them. Amazon. What happened was Amazon started looking at the merchants that were selling third party stuff on their websites, and the wall street journal has a great report on it right now because Amazon has its own in house brands. So it's making itself a direct competitor to many of these merchants who rely on the Amazon platform to reach. [01:04:50] Consumers. So now you've got your little product. Amazon is selling something that's similar to yours, or at least competitive with yours, and that's bad enough. But the wall street journal reviewed some internal company documents that showed that Amazon executives were asking for and getting data about specific marketplace vendors despite corporate policies against doing so. [01:05:23] Despite the fact that Amazon had testified in Congress that they never did this. And according to the wall street journal, more than 20 former employees told them that this practice of flouting those rules was commonplace. We knew we shouldn't, but at the same time, we're making Amazon branded products and we want to sell them. [01:05:48] So here's what they were doing. Amazon was looking. At what was being sold out there. And this one example that was given was something that I've bought. It's a car trunk organizer, and apparently Amazon employees access documents relating to that vendor's total sales. What the vendor paid Amazon for marketing and shipping and the amount Amazon made on each sale of the organizer before the company. [01:06:20] Then unveiled. It's own similar product. They're getting around the rules here. W we'll get into this when we get back. I'll tell you about some of these Amazon brands that you might not even be aware are Amazon brands. You're listening to Craig, Peter sawn here on w G a N every Saturday from one til 3:00 PM cause stick around. [01:06:43] We'll be right back. And of course there's a whole lot more to come today. [01:06:52] Hey, welcome back everybody. Craig, Peter sawn here. We were just talking about our friends at Amazon. I remember getting really, really upset with them. I sent them a a note, uh, years ago, decade or more, certainly more a go because Amazon decided it would patent something that it called one click ordering. [01:07:17] As though one click ordering was like some major leap forward and, and, and I couldn't believe the us patent and trademark office actually gave them a patent because I knew other sites that were doing it as well. It. This whole thing is totally upside down, not just with Amazon, but now you can get patents on almost anything and not, not just, I'm not just complaining about business processes here, business process patents, which, uh, I don't like. [01:07:48] Uh, but all the whole patent world, the whole thing has been changed, turned on its head with the new patent laws. It has gotten even worse, not better. Yeah, it makes it easier for the government, but in reality, it I think is hurting a lot of businesses. So let's see what we're talking about with Amazon here, where Amazon was combing through the data of these third party vendors that make up for about 50% of the products sold on amazon.com. [01:08:20] And these employees were accessing the data about what the vendor's total sales were, and they were getting around the rules by bending the concept of what's called aggregation according to the wall street journal and well, Amazon says that it did not access individual seller data. It did create reports of aggregate. [01:08:45] Seller data. And if a pool is large enough, that wouldn't be a problem. So if you've got 200 vendors selling iPhone cases, okay, but the example that the wall street journal is using here is have a trunk organizer. So in reality, how many trunk organizers were there at the time? So this pool of vendors, very, very small. [01:09:11] And when you're talking about a group of two entities, uh, okay, it's aggregated, but what's that telling them. So what Amazon had done then is they said, Oh, wait a minute. This is a very profitable niche that people who are using our services to sell it are in. So your small business, you come up with this idea of a trunk organizer, and it's better than any trunk organizer that's ever been made, and you're going to add two extra compartments to it. [01:09:43] I don't know what you're going to do right. You're going to make it very firm, very strong, and it can fold up, fit into a corner. And so you have to make some prototypes. You have to figure out, how do I do this? You might make a trip or two to maybe heaven forbid China or Indonesia or some other country, right? [01:10:02] Other than China, please. And you go out there for a few times, you. You end up paying, you know, easily 10 $20,000 just to have a stamp made that can stamp out your little product there for the insides. And then you got to get another vendor that had ships to that, that takes the material, sows it all together, and then can ship it out. [01:10:25] And then you have to have a minimum order sitting there in Amazon's warehouses ready to go. So you're into this one a hundred grand, maybe more. Plus all of the time that you spent doing it, which now is lost opportunity costs because you weren't doing something else while you were trying to design this chunk organizer. [01:10:50] So you have spent life savings on this. You've put it together. If you ever watched shark tank, and you look at some of these people, right? Most of those businesses fail. Even the ones that make it to shark tank. So you've done all of this. You had hoped that your business would succeed. Well, you're selling it. [01:11:13] It is succeeding. It's doing well. Maybe you've made back $50,000 of that a hundred thousand you put into it and maybe you get up to a hundred thousand Amazon notices. Whoa, this guy's making a lot of money. Maybe we should get into that trunk organizer business. In fact, we know exactly which models, which colors, which fabrics of his trunk organizer are selling. [01:11:43] Hm. So Amazon then takes the idea and runs with it. Amazon now has more than 145 private label brands. This is a huge, huge number. There is a website out there called this Justin. TGI research and they have a list of these brands that Amazon has. I'm scrolling through it right now. I had no idea. Most of these were Amazon. [01:12:18] You know, you've heard, I'm sure of Amazon essentials. That sounds like an Amazon brand, right? It is. Amazon basics. Okay. Those are obvious. But there's others like kids' clothing line scout and RO women's clothing, brand, Hayden Rose or furniture line stone and beam. Those are Amazon brands and you can't tell by the name, and I'm looking at this list over on this, Justin, and they all have their own logos. [01:12:54] You just, you would have no idea. Brass tacks leathercraft makes leather belts from, guess what those are? Those are Amazon chains. Ditch charming. Dove. Um, Ken sounds like charming Charlie, doesn't it? Hm. Uh, charm. Z silver. That sounds like chirpy. Oh my gosh. Amazon exclusive. Uh, and then charming Charlie's is out of business. [01:13:20] Right. Did you ever go there? My, some of my daughters used to love it cause you can get all of these little hoopy things and necklaces and stuff, but it goes on and on. This is, this is ridiculous. There's gotta be way more than what, what Tai and what wall street journal is reporting anyways, so they're saying those private labels account for 1% of Amazon's total sales. [01:13:45] That was according to a report last September, and some former employees apparently told the wall street journal that they are operating under the directive that Amazon's private label sales should be. 10% of the company's retail sales by 2022 so there you go. You know, we talked about the contentious relationships with eBay in the sellers. [01:14:11] Contentious relationships with Amazon in the sh in the sellers, the European union's competition Bureau opened up an investigation against Amazon. This is a very, very bad thing here. Uh, antitrust subcommittee chairman, David Sicilian from Rhode Island in house judiciary committee chair. Gerald Nadler. [01:14:36] We're pretty upset about this quote. This is yet another example of sworn testimony of Amazon's witnesses being directly contradicted by investigative reporting. So yay. At least somebody is doing investigative reporting out there. So I don't know. What are you going to do? I was upset with Amazon. I told them I'd never do business with them again, and then probably about 10 years later, I started doing some business with them again because it was the only place I could buy some of the things I wanted to buy, but they've been using this merchant data not good. [01:15:10] Not good at all. Well, we have a couple more cool things. We only have a minute or so left here in this segment, but let's get into this very, very quickly. At least get started. This is from dark routine.com they have a lot of great articles, but consumers and small to medium businesses are likely to fall. [01:15:31] For Corona virus scams. It said, now, I have seen a lot of emails coming in to me from companies saying that they can get me some of these loans. Uh, I don't think so. Uh, and I have, I saved some of them. I should put those out in my membership site or in the newsletter. You can see some of them do some training

Welcome! Good morning, everybody. I was on with Jim Polito this morning. We discussed some of the problems that the Small Business Administration is having with their computer architecture and why it crashed while trying to process requests for these small business saving loans from the Federal Government.  So, here we go with Jim Polito For more tech tips, news, and updates visit - CraigPeterson.com ---  Automated Machine Generated Transcript: Craig What ended up happening is that the SBA PPP portal site crashed. Now, you can make these websites so that they run even with the Intel hardware. You tend to have clusters you have the models scale, but they didn't do it. Good morning, everybody. I was on with Mr. Jim Polito on WTAG also in Springfield, Mass on why and how. Let's get into it with Jim and me in his kitchen. Jim Here is the man with the plan and all the answers. I'm talking about our good friend and tech talk guru, Craig Peterson. Good morning, Craig. Craig Hey, good morning, Jim. I'm doing well today. Jim All right, good. I want to keep hearing that from you. I want to make sure that you are feeling that way. But it seems to me that the Small Business administration's computer system, do you even call them mainframes anymore? Kind of crashed yesterday is that term still relevant? A mainframe for IBM is that part of their business? Craig Yes, but it has been shrinking over the years. But yeah, it's still called big iron or a mainframe. And they are still the most amazing computers made by far. Those things are they just are rock solid are very, very fast. They put these clusters of these cheap computers that are used by Google etc. They put them to shame. It's just I, and I was looking at them recently for my business, you know, kind of a small version of a mainframe. And it was, we ran tests on it, comparing them to some of the biggest Intel servers and clusters of Intel servers and the mainframe still beat them. Jim Wow. I like the "big iron" term. That's a new bit of terminology there that I haven't heard before. Big iron. So what happened to SBAs big iron? The SBA was running big iron. Oh, was it? Or was it a network of these cheap little computers all put together like a blade farm. Craig A lot of businesses are having problems, right now with people. They are having issues with their systems, and the whole point goes back to experience. I know how to program in COBOL. It was like the third computer language I learned way back when. I have to say something, by the way, sorry, Jim I have to insert this we celebrated our 37th wedding anniversary here just a week ago. Yeah, it is incredible. Unknown Speaker 3:06 Wow, if I had known that, I would have opened with it. Unknown Speaker 3:11 Anyway, they're having problems because they can't find these COBOL programmers to make changes to the systems. After all, the systems have been pretty much steady over the years. And with what the federal government passed and some of the states are doing, they had to make some very, very big changes. Well, this whole paycheck Protection Program, of course, got refunded this week, you've been talking about it. And a lot of people are very frustrated because they've been pulling all-nighters trying to process these people have been doing the same thing, both sides of it. But what we saw right now is on the front end, regular old servers, those Intel machines that we've been talking about, that are running the websites Know You can run sites on mainframes, but usually, you don't know when we're not going to know the technical stuff, it gets kind of geeky. But what ended up happening is that the SBA PPP portal site crashed. Now, you can make these websites so that they even with, you know, obviously, with the Intel hardware review, you tend to have clusters, you have the models scale, but they didn't do it because they got a second wave of this small business simulation plan submissions. And they messed up it think back to the whole Obamacare website debacle. And that they might, yeah, oh, it's crazy, right. And I was saying, you know, it's going to take them three years to make this damn thing work. And I was right almost to the day, because it's, again, it's government, its bureaucracy. They move slowly. It had been something that a small company that knew what they were doing, even a big one like Google had put in place, and they would have made sure it could scale, it could have handled all of the tie ins to the back end, which is part of the problem. Every one of these banks has a different system. So, even when the SBA goes and collects the information and gets you approved for this loan or that loan, once the banks get involved, they end up having to enter the data into the SBA into their systems manually. It is it the whole thing is not, so we just weren't ready for it from a tech side. Jim We're talking with our good friend, tech guru Craig Peterson about all this stuff going on. The chances are, the chances are that this will happen again, what do you think? Or are they on top of it? Craig Are you talking about the crashes and stuff? Jim Yeah. Craig No, the odds are outstanding that they will not. It is the government, right. I went to the store the other day, right. And I was there with my wife, and I said, you know, this is what socialism looks like empty shells everywhere. Jim Exactly. It is the look of socialism. Craig It is. So, when we're talking about government, it and these computer systems, if there is another big round of funding, and a lot of people apply, then yes, it's going to happen again, and it's going to take forever. Yeah, and I have a daughter who is a high-up in one of these big banks. They're having problems because they have to enter data manually, and there aren't even ways to transfer it to transfer directly automatically to the SBA and vice versa. So it takes a week sometimes, and The only businesses and I bellyache about how I couldn't get a dime out of the vault any of this money for my business. Yeah. But, you know, small businesses that have applied it's taking weeks or longer. It is a shame. I was supposed to get a check from the SBA within three days of application. I didn't even get a notice from them until two and a half weeks telling me I was not eligible. Jim Wow. Yeah, see that? That's not good. You know, we're talking with our tech talk guru Craig Peterson. Hey, I want to talk to you about this because after the show today, I have to go into a Microsoft team meeting, you know, using that software. Right. And, because that's how we meet now, you know, with the company since I'm doing this from the kitchen, but I read what you sent me Microsoft Teams using artificial intelligence so that if Pops, the dog barks It will filter that out. Everybody in the group likes to hear that because they often asked me to pick him up, which is becoming increasingly difficult to do and put them in my lap so everybody can see him because he's 55 pounds now. You said that it would give Microsoft Teams a competitive advantage over some of these other collaboration platforms, like Zoom and Facebook. Why? Unknown Speaker 8:32 It's true. That's what's going on. We've got Zoom, oh, by the way, never use zoom for business ever, ever, ever. It is so insecure, makes the mind spin. Okay, so that's number one. So a lot of people have Microsoft, which used to be called office 365 and is now called the Microsoft Office 360. Yeah, and then I've got Microsoft 360 and See, the people that were using it said, Oh, wait a minute, Microsoft has got a team's app. And Microsoft is now advertising it as secure. It's much better in that regard than slack, which is not safe, either. Google Hangout not secure. The only two out there that have achieved the highest rankings in security are WebEx teams. But Microsoft is pretty darn good. So yes, for the competitive advantage, you just mentioned. Here's what they're doing. They're trying to program some artificial intelligence to do something never done before. See, if you've got a fan running in the background, that fan makes a consistent sound. It's called a static noise. And that is has become relatively easy now, relatively speaking, to get rid of Because often that noise is in a different frequency band. Since you are in radio professionally, you know about this. When you're talking about some of these dynamic sounds like a dog barking, a door slamming shut any of these types of things, a vacuum cleaner running in the background can be easy enough to block out. How about if all of a sudden they turn it on? How does it recognize it? It is what Microsoft is working on is real-time noise suppression. So while you're in a meeting and you're sitting there eating that bag of chips there, Jim yet that bag of chips rattle is going to be filtered out so they'll have no idea unless they see you with it. Jim I've heard you know, people talking about it. And Kathy and I were talking about how people have become more accepting of distractions like if you're on a conference call before COVID-19, most people will try to you know, quiet and everybody in the house. Be quiet and this and you know, and now everyone seems to be more forgiving of all of these distractions and other noises that they're saying, well that's okay. You know, as I get it. That's okay. I mean, I have told Kathy, the boys, and pops, you know, as long as his bark isn't incessant if he makes a bark, I sometimes work, and into what I'm saying but the background noise I think right now from home as I'm doing this show for just for me, is good. Because it lets people know No, I am doing the show from home. And like you, I'm working amid a functioning household, you know, to kind of bring some realism to it. I can see that. Though if I am on the phone negotiating a multi-billion dollar or multi-million dollar advertising package with an advertising agency, I can see where it might be problematic to hear the dog barking incessantly, while people are going through figures for that size of a deal. I can see that I can see where it would come in handy because none of us live in a secluded monastery if you know what I mean. Craig Yeah, you think your comment there about you know there's a functioning household going on behind. I do agree people are getting much more tolerant of it. It is the norm, even with financial stuff. I might have mentioned before I have a daughter who works as in a call center inbound for a significant financial institution. You know, the dog will make noise, or a cat will jump on their shoulder and purr into her microphone. People are becoming very, very aware of that. But the functioning is the good, the good part, right? If it's a non-functioning now, you still might want to have people be quiet. Jim I like that. Well, this has been great. It has been a great conversation, and it always is with Craig Peterson folks, and he's still there for us. He can be there for you. You see, all the information I told you I was talking about you can get that same information that I received from Craig, every week. Exactly. There's no obligation. There's no charge. He's not going to hound you or pester you. And if there's ever an emergency again, or massive hacking, he's the guy who will be providing timely information. So all you have to do is text My name Jim J-I-M to this number Craig 855-385-5553. So just text Jim to 855 385 5553 Jim Standard data and text rates apply. But I would recommend you do it. Then you tune in every Tuesday at this time to hear Craig and I. Craig, thank you so much for your time. I appreciate it. We'll talk with you next week. Craig All right, say Hi to Pops for me. Jim Thanks. Bye-bye. All right, when we return a final word, you're listening to the Jim Polito show your safe space. Unknown Speaker 14:43 And of course me@Craig Peterson.com, everybody. Have a great day. We'll be back on the morrow. I don't know if you caught my Facebook Lives this week but a couple of pop-ups here. I'm trying things out. We explained about the job situation in tech and what's happening with jobs. And cybersecurity and, of course, a whole bunch more. And what I'm going to end up doing is I'll send out an email so that if you are on Facebook, I will let you know when I'm doing these lives. All right, everybody, take care. Bye-bye Transcribed by https://otter.ai ---  More stories and tech updates at: www.craigpeterson.com Don't miss an episode from Craig. Subscribe and give us a rating: www.craigpeterson.com/itunes Follow me on Twitter for the latest in tech at: www.twitter.com/craigpeterson For questions, call or text: 855-385-5553

Join John Williams, Dana Connors, and special guest Amy Bassett, the District Director of SBA's, Maine District Office.

Caleb talks Dan Kaminski! He is currently pushing the financial service industry into the 21st century. Dan is building a platform for Better Wealth Solutions to educate and coach as many people as are willing to listen. At Better Wealth, they believe the current financial model is flawed. They know there are proven, better ways to true financial freedom. Dan and Caleb encourage you to challenge the status quo and change the way you think about money. Links and Resources from this Episode https://betterwealthsolutions.com For additional information go to http://betterwealthpodcast.com/ or check out Caleb at https://calebguilliams.com  Connect with Dan Kaminski https://www.linkedin.com/in/right-hand-dan Get Your Free Copy of The AND Asset https://andasset.com/book  Show Notes A podcast for business owners - 1:27 Having no control of what is going to happen - 2:02 Money going to SBAs - 3:09 The payroll protection program - 4:19 Your business credit score - 4:44 Control cost and having access to capital - 6:14 What if you need a lot of money? - 6:47 The maximum amount of the loan - 9:37 This is going to affect our country - 12:59 Taking advantage of opportunities - 13:37 Beware of short-term loans - 14:11 Rethinking how we can grow our businesses - 14:42 Review, Subscribe and Share If you like what you hear please leave a review by clicking here   Make sure you’re subscribed to the podcast so you get the latest episodes. Subscribe with Apple Podcasts Follow on Spotify Subscribe with Stitcher

In this episode, Mike & Brett dive into the latest updates Amazon released last week (May 2019) for sponsored brand ads. These updates include a brand new match type, a redesign of a current match type, and a feature that you would've expected sponsored brands to have before now... While you do have to be brand registered to access sponsored brand ads (SBAs), they cover a huge amount of real estate in Amazon's SERPs and every brand on Amazon that's serious about growing its revenue and increasing its exposure should be leveraging them to the fullest. Be sure to join along as we dive in, dissect these changes, and discuss the best practices around these newest additions. We'll see you in the Badger Den!

Sponsored brand ads showcase a collection of your products to customers who are searching with related keywords on Amazon. This makes them one of the most important ads in terms of real estate on ALL of Amazon. However, sponsored brand ads are missing quite a few features that their sponsored product counterparts offer. These issues make sponsored brand ads more frustrating to deal with than they need to be. In this episode, Mike and Brett discuss some pain points behind SBAs, some ways you can wiggle around those issues, and what we're expecting for sponsored brands going forward. Catch you in the Badger Den!

How does GNSS differ from GPS? What new regional and worldwide GNSS constellations must we plan for? What the future for GNSS? Georgia Frousiakis, VP of GNSS R&D for Telit discusses the impact of GNSS on IoT in the past, present, and future; and talk about the latest exciting use cases. If you’ve ever wanted to learn about location technologies and IoT – this is the podcast episode to listen to! Visit FirstThingsFirst.fm for show notes and more!

The Small Business Administration received kudos this year for its reorganizing steps and handling of hurricane recovery. The agency still has challenges. SBA's inspector general says its most serious management and performance hurdles include IT leadership, human capital and disaster assistance. Federal News Radio's Meredith Somers spoke with SBA acting Inspector General Hannibal Mike Ware about these challenges. She shares the details on Federal Drive with Tom Temin.

The Small Business Administration received kudos this year for its reorganizing steps and handling of hurricane recovery. The agency still has challenges. SBA's inspector general says its most serious management and performance hurdles include IT leadership, human capital and disaster assistance. Federal News Radio's Meredith Somers spoke with SBA acting Inspector General Hannibal Mike Ware about these challenges. She shares the details on Federal Drive with Tom Temin.

Much like SBAs, we post every time you’re about to get priority. That makes no sense. But we’re here and covering State Based Actions again! Learn all about these little critters that help keep the game clean and fresh. GP … Continue reading →

El pasado 8 de junio comenzó en la Universidad Politécnica de Valencia un curso sobre las Aplicaciones de Sistemas de Aeronaves no tripuladas. Drones, cuyo director es nuestro invitado de hoy, Israel Quintanilla, profesor de ingeniería Aeronáutica e ingeniería Geomática de la Universidad Politécnica de Valencia e investigador sistemas de navegación aérea por satélite (SBAS) y en aplicaciones de Drones en el ámbito de la Geomática. Dada la rabiosa actualidad de estos dispositivos y el enorme campo de aplicaciones de uso civil existentes y las que se abrirán en un futuro inmediato, vamos a dedicarle dos programas seguidos de la serie Hablando con Científicos Hoy Israel Quintanilla explica qué es un dron, su historia, tipos de drones, ventajas y limitaciones de estas máquinas voladoras no tripuladas y la normativa que regula su uso.

June 25, 2015 Insight Outs Dr. Tina Seelig & Fireproof Scott Soesbee, SBDCs Todd Anduzee and SBAs Mark Gibson

Wie es war in MV ist in diversen Blogs, Podcasts, Videos und was es noch so alles online gibt schon hinreichend erwähnt worden.Im Cachetalk daher nur ein kleiner Nachschlag: Es war nicht nur lost, sondern auch nass. Nun ist alles vorbei, die Geocacher sitzen wieder im Trockenen und hängen bei Google rum.Und dann kommen noch ein paar Themen, mit denen man wieder die Sendezeit auf das Doppelte überziehen kann. Das Avatar mit der neuen Frisur des Geoclub-Admins, Bilder und Zeitungsartikel die plötzlich im Forum auftauchen und SBAs um die Reviewer sich nicht kümmern.cachetalk109.mp3