Podcasts about Security

Kenny and Q discuss the challenges of summer heat, personal preferences regarding seasons, and the importance of feeling secure in oneself and in relationships. They explore the nuances of job security in the current economic climate, emphasizing the need for open communication and self-acceptance. The dialogue is filled with humor and relatable anecdotes, making it both entertaining and insightful."Your number one podcast that supports you at what you like to do, live life to the fullest!"Chapters00:00 Welcome to Swamp Booty USA02:33 The Heat and Its Effects05:15 Brain-Eating Amoebas and Summer Safety07:43 The Zombie Apocalypse Rescue Team10:08 Understanding Security in Oneself17:14 Security in Relationships21:35 Job Security in Today's World

Yasir Ali, CEO of Polymer, discusses the shortcomings of current security frameworks, emphasizing their outdated nature and lack of real verification. He argues that many organizations still rely on signed statements without providing tangible evidence of compliance with security controls. This disconnect has become increasingly problematic, especially with the rise of AI and the need for more robust data protection measures. Ali highlights that the traditional approach of simply stating compliance is no longer sufficient in a landscape where data privacy and security are paramount.Ali suggests that the solution lies in a more evidence-based approach to security frameworks. He advocates for organizations to provide real-time evidence of their security practices, particularly in relation to how customer data is handled and used. This includes demonstrating that customer data is not being misused for AI training purposes. He believes that the industry needs to move beyond mere documentation and focus on actual compliance and security practices that can be verified.The conversation also touches on the role of customers in demanding better security practices from service providers. While Ali acknowledges that end customers often feel overlooked, he points out that larger organizations, such as banks, have begun to push back against vendors to ensure their data is protected. He emphasizes that smaller businesses must take responsibility for their own data security, as the regulatory environment in the U.S. is not providing sufficient oversight.As AI adoption accelerates through SaaS products, Ali expresses concern about the new vulnerabilities that may arise. He notes that many organizations are integrating AI tools into their existing systems without fully understanding the implications for data security. Polymer aims to address these challenges by providing tools that enhance data security and compliance within SaaS environments, ensuring that organizations can protect their sensitive information while leveraging the benefits of AI. All our Sponsors: https://businessof.tech/sponsors/ Do you want the show on your podcast app or the written versions of the stories? Subscribe to the Business of Tech: https://www.businessof.tech/subscribe/Looking for a link from the stories? The entire script of the show, with links to articles, are posted in each story on https://www.businessof.tech/ Support the show on Patreon: https://patreon.com/mspradio/ Want to be a guest on Business of Tech: Daily 10-Minute IT Services Insights? Send Dave Sobel a message on PodMatch, here: https://www.podmatch.com/hostdetailpreview/businessoftech Want our stuff? Cool Merch? Wear “Why Do We Care?” - Visit https://mspradio.myspreadshop.com Follow us on:LinkedIn: https://www.linkedin.com/company/28908079/YouTube: https://youtube.com/mspradio/Facebook: https://www.facebook.com/mspradionews/Instagram: https://www.instagram.com/mspradio/TikTok: https://www.tiktok.com/@businessoftechBluesky: https://bsky.app/profile/businessof.tech

On this week's Security Sprint, Dave is solo and talked about the following topics.Warm Opening.Check out the blogs on the Gate 15 website including the recent one on network segmentation (www.gate15.global). https://gate15.global/digital-firebreaks/Main Topics.NYC active shooter incident. https://www.nbcnews.com/news/us-news/nyc-shooting-suspect-shane-devon-temura-what-know-rcna221638Walmart incident and bystanders. https://www.nbcnews.com/news/us-news/walmart-stabbings-michigan-traverse-city-suspect-terrorism-what-know-rcna221445CISA Active Shooter resources: https://www.cisa.gov/topics/physical-security/active-shooter-preparednessChinese ‘Fire Ant' spies start to bite unpatched VMware instances. https://www.csoonline.com/article/4029545/chinese-fire-ant-spies-start-to-bite-unpatched-vmware-instances.htmlSygnia Uncovers Active Chinese-Nexus Threat Actor Targeting Critical Infrastructure. https://www.sygnia.co/press-release/sygnia-uncovers-chinese-threat-targeting-critical-infrastructure/

In this episode of the Cents of Security podcast, Cassidy Clement speaks with Scott Bauer, CEO of Prosper Trading Academy LLC, about the rise of alternative and renewable energy. From solar and wind to nuclear and biomass, we explore what's driving this sector's rapid growth—and how investors can gain exposure.

Die Namibiese polisie sê sy ondersoek na Maandagmiddag se skokkende selfmoord duur voort. Die 59-jarige Carlos Miljo, projekbestuurder by Crown Securities het homself op die maatskappy se perseel omstreeks half vyf, met ‘n haelgeweer geskiet. Nampol-woordvoerder adjunk-kommissaris Kauna Shikwambi...

A successful strategy in appsec is to build platforms with defaults and designs that ease the burden of security choices for developers. But there's an important difference between expecting (or requiring!) developers to use a platform and building a platform that developers embrace. Julia Knecht shares her experience in building platforms with an attention to developer needs, developer experience, and security requirements. She brings attention to the product management skills and feedback loops that make paved roads successful -- as well as the areas where developers may still need or choose their own alternatives. After all, the impact of a paved road isn't in its creation, it's in its adoption. Show Notes: https://securityweekly.com/asw-341

Title: The Hidden Cost of "Family & Friends" Capital and How to Avoid It with Chris Salerno Summary: The video features a compelling discussion between host Chris CNO and Seth, an experienced SEC attorney with a diverse background that includes starting as a nightclub promoter and ultimately becoming a successful attorney specializing in securities law. The conversation dives into Seth's personal journey, detailing how his upbringing in West Virginia shaped his perspective on success, risk-taking, and accountability. He describes the importance of working hard and not making excuses, emphasizing that anyone can succeed regardless of the challenges they face in life. The two also touch on the realities of the current economic climate in the U.S., specifically in California, the significant changes in real estate investing due to securities regulations, and how entrepreneurs should approach risk in their business endeavors. The dialogue seamlessly transitions to discussing their shared experiences in fitness, a matter that Seth and his wife have prioritized through their ownership of Burn Boot Camp franchises while navigating the challenges posed by the COVID-19 pandemic. As they conclude their conversation, they reflect on the shifting dynamics of real estate and the importance of investor communication and education during economically unpredictable times. Links to listen and subscribe: https://podcasts.apple.com/us/podcast/fund-it-scale-it-close-it-unlocking-real-estate-success/id1760606484?i=1000680833837 Links to watch and subscribe: https://www.youtube.com/watch?v=iR8RiGLlZMA&t=2732s Bullet Point Highlights: Seth's Early Journey: Seth was adopted from South Korea and raised in rural West Virginia, leading to his realization of hard work and accountability. Nightlife Promotions: Before becoming an attorney, Seth thrived as a nightclub promoter in Los Angeles, reinforcing his skills in sales and networking. Law School Transition: After dropping out of medical school, Seth shifted focus from medicine to business and law, finding success in both fields. Importance of SEC Compliance: The conversation highlights common mistakes investors make regarding securities regulations and emphasizes how crucial proper legal guidance is in real estate. Pandemic Pivot: Seth and his wife managed to keep their fitness business afloat during COVID-19 by pivoting to online workouts, showcasing resilience and adaptability. Investor Communication: Both host and guest stress the significance of maintaining clear and consistent communication with investors, particularly in a volatile economic climate. Future of Real Estate: Discussion around California's real estate laws, particularly the push for accessory dwelling units (ADUs), presents new opportunities for investment. Transcript: it's something there you can make an excuse about and that's the issue about today's society is that everyone wants excuses we mentally uh wired to have negativity in our life I actually started promoting for nightclubs you were a promoter I was a promoter for nightclub life is The Hunger Games business is The Hunger Games the space that you and I are in private Equity it's the Hunger Games my knowledge number one thing SEC really gets you on as misrepresentation welcome to the crystalo show your goto for real estate   business health Health and Family Insight I'm Chris CNO CEO of QC Capital each episode we explore the latest trends and expert advice from industry leaders whether you're an investor entrepreneur or seeking balance this show provides an inspiration you need join us in elevate your game on the Chris alno show welcome to the chriso show I'm your host Chris alno very excited to have a friend of mine we've known each other for what five six years now think so man time flies uh when you're having fun uh Seth on here SEC   attorney doing a bunch of things excited to have him on here a wealth of knowledge Seth thanks so much for joining us dude appreciate you having me on appreciate you reaching out and uh inviting me over for the show most definitely and I'm glad it happened when it did because you're in town you're you're you live out in the beautiful I would say you guys have great weather and great In-N-Out Burger your tax and politics suck but California which is beautiful weather out there you happen to be in Charlotte for Fitness which   we'll touch on here in a second um but I'm glad we were able to make this work absolutely man yeah good timing really good so let's let's give everyone a little background about yourself all the way from you know childhood you know talk to us about that sure man yeah and I think it helps build the story U I'm adopted so I was born in South Korea and adopted a 3 months old and then by two wonderful people in West Virginia rural West Virginia that's different so you know I'm the only Asian in inal West   Virginia yeah so I went to high school with like 18800 kids country country Moon shiners yes for sure for sure good people I love West Virginia love it I love Snowshoe Snowshoe is really good great underrated best best on the East Co or best close to North Carolina I would say unless you get way up North but yeah North Carolina you know anything close snow Sho is where it's at yeah yeah I love it but uh yeah man grew up in Royal West Virginia so wasn't really exposed to entrepreneurship or owning real estate or anything like that   my parents are both Blue Collar uh my dad was a is a coal miner was a Miner is retired now my mom is a grade school teacher so you know I didn't come from are they still in West Virginia yes they are okay they're frequent trips back there you go there you go yeah so wasn't exposed to that stuff so it was all about kind of getting the best job that you could possibly get right talk talk to us about that mentality you were young what age did you come over to us three months three oh three months month   so you didn't even spend time in in South Korea you don't even know of not at all are you curious now you know with you being adopted anything anything about you know where you came from anything like that actually not man you know I I I think a lot of uh adoptees struggle with that yeah um I actually joined a Facebook group one time like with Korean adops and there's like thousands of them in there and I was thinking I'm going to gain some insight from this and but it was like No And it was a lot of uh you know to be blunt a   lot of whining in my mind a lot of crying right I'm about accountability and just going out there and getting it done and you know it's just about you know a lot of I say this all the time you are you can't control the cards you are dealt you can only control how you deal them sure you know you unfor you know unfortunately you it's a great thing it's not unfortunate it's fortunately you were adopted at three months you couldn't control that you couldn't control being born in South Korea and being adopted but you have to   control the cards you were dealt and you've done a phenomenal job you're a badass attorney you know phenomenal job with the cards you were dealt um but I can definitely see being in those type of groups you're going to get a lot of whining and moaning yeah I mean I I think it's you know it's a couple it's it's a couple things right I mean some people have a reason to to quote unquote whine and mo right you know they're they're dealt a bad hand but again like you said you've got to you've got to   play the cards you're dealt right and do the best you can with it and I think that if you are adopted it's easy to go and blame it on that it's it's an easy crutch to lean it's an excuse it's it's something there you can make an excuse about and and and that's the issue about today's society is that everyone wants excuses where mentally uh wired to have negativity in our life and so they're going to make an excuse oh I'm not successful because of this because of this that's a lie you are highly   successful and attorney a beautiful wife doing great things in business and in the real estate industry so you are proof that you can get it done you just have to work hard yeah you just have to work hard you can't blame shift I like to call it you can't blame it on you know the cards you were dealt or you know the things that uh may have happened to you or the situations you're in you've got to just move forward and do the best that you can so dad was a coal miner y mom was a a school teacher what made you want to say hey I'm G to   go into law school and be an attorney yeah it it was a little bit uh a little bit more of a story behind that first of all I went into uh medicine so I wanted to be a doctor all right um well I wouldn't say I wanted to be a doctor it was more like what's the best job that I can get with the mindset that I had my mindset was you know W2 worker type of mindset right like not entrepreneurial not don't take risk and it was and I you know academically it was pretty easy for me so it was just okay what's the best   job you can get is probably being a doctor right like that's kind of the highest calling um and I actually went to med school for a year and a half really yeah and then I dropped out halfway through my second year I literally just got up in the middle of class walked out and said I've I've had it I oh my goodness so I went Premed biology yeah I went Premed biology chemistry and biology whoop my butt so I said okay I'm going to business entrepreneurship switch business entrepreneurship and I said maybe it   wasn't chemistry and biology it was just College in general so I dropped out of college um but you so you got to med school and you're like okay I'm done with this Y and then what yep um honestly that was a turning point in my life I didn't know what I wanted to do right like I committed a a large portion of my life to you know schooling schooling taking the MCAT getting into med school finishing that's not easy either Med school's hard very hard very hard but I've always had an interest in business and real estate just kind of in   the background like I just always had an interest in it um didn't really know how to act on it at the time um so I actually just started enrolling in business classes like immediately just and ended up getting a minor in business for the rest of that year so I I in undergrad classes um and then I started up my MBA actually the following year so got my MBA and then I decided to take it the next step and go ahead and get my law degree because I was still in that same mindset it was like you know this   isn't enough I didn't really know anything about starting a business or anything like that and I just felt like I hadn't done enough so I went ahead and went to went to law school and at that point I did decide I was like look I'm going to I'm going to finish this whether it's the right thing or not um and I was very successful at it I finished towards the top of my class dedicated you know the time and effort it needed um and did really well so love that love that and so getting in what made you want to move out to California   number one on a win man so dropped out of med school kind of took those business classes just trying to figure out what I wanted to to do next on the other side of the world I'm in West Virginia still at this point yeah in West Virginia trying to figure it out and I just knew I needed to get out of there I needed to see more I needed to get out of West Virginia you know it was it was a tough conversation to have right like all my family and friends are there um you know I just dropped out of medical school so now they're like what   the hell is this kid doing you know what I mean like dropping out of med school but they've always been supportive always been supportive always been supportive they never like pushed me into medicine or anything like that and then when I dropped out you know they're still staying supportive but I'm sure in the background they're thinking what the hell are you doing uhoh yeah and then I just decided to up and leave and move to Los Angeles out of nowhere unbelievable unbelievable so you moved out to Los   Angeles yep how was that well I partied for a little bit yeah for a little bit they they know how to party out yeah for a little bit I didn't know what I was going to do I was enrolled um getting my NBA at the time uh mostly online um at Arizona State um so I kept the education going but at the same time I'm in La I'm in a new city I actually started promoting for nightclubs you were a promoter I was a promoter for nightclub for a little over a year in Los Angeles um before I decided hey I got to get my   [ __ ] together well I mean you'll definitely meet a lot of women doing that for sure you get paid basically per head on how many women you bring in the club oh yeah you've got a bottle or two waiting for you every single night y it's actually a pretty nice little lifestyle for somebody in their 20s oh yeah most I I believe it if you want you know if you want to get some experience get out there it's best you can meet a lot of women too yeah and it's a good like uh it's kind of a sales experience   be honest with you you're just for you're like hey I'm getting paid $10 ahead to bring beautiful women to this club I got to go out there and just talk to everybody literally just going out there talking hey you got this come to this club tonight we've got bottles all this kind of stuff and you know wow unbelievable unbelievable so from there you were like okay I got to get my [ __ ] together yeah had to get my [ __ ] together obviously you know I'm still getting educated in back getting my NBA   still kind of keeping the education going oh yeah um but I decided hey I'm going to go to law school so started applying to law schools um ended up getting accepted to a number of ones and I I narrowed it down to USD in San Diego because I wanted to stay in Southern California because I loved it um but I knew I didn't want to be in La so got out of La went down to San Diego because I had visited there a couple times and I just loved it it's just more of a laid-back attitude people were a lot more genuine just a place that I could   see s down at compared to La it's just you know it it it's kind of doggy dog there most oh it is it's a hunger life is The Hunger Games business is The Hunger Games the space that you are you and I are in private Equity it's the Hunger Games yeah you know and and you have to have that mentality you have to be able to survive yeah at the end of the day so from there you're like okay law school it is yep and then you get into law school well in law school or but even prior to that there's so many   different levels of law you can practice yeah what made you you know pick SEC and prior to that did you have any other interest in different type of law yeah I mean generally speaking I want I knew I wanted to get into transactional law I didn't want to be a litigator that's for sure um I was interested in business interested in doing deals those sorts of things so I started out actually at a at a pretty big Law Firm step tone Johnson and ended up doing both real estate and corporate I think that's when we first   met it might have been yeah yeah when when you were cuz they were out what in San Diego or no actually I moved back to West Virginia for that job oh did you okay maybe maybe you maybe you were just finishing there when we met yeah well actually I think we met when I was in probably when I was in Charlotte because I moved to Charlotte for another big Law Firm I think so but anyways yeah so I started kind of more general transactional practice with real estate and corporate and then as I kind of got   more mature and more experienced I started focusing more on the security side nice nice do you you enjoy security side for sure for sure the security side is it it feels a lot more sophisticated um I like the people that I work with in that field a little bit more um but I still have a passion for Real Estate like I still love real estate so even though I'm a Securities attorney it's largely focused on real estate yeah so let's talk about that you know for those individuals that may not know what a   security is most will know what a security is let's talk about that and let's talk about you know the the day-to-day what does a Security attorneys really look like sure sure I mean the easy way to put it for a security because because people kind of miss understand it but if you have passive investors involved at all anywhere anywhere any even if it's one you probably even if it's an LLC yeah you're probably dealing with a security and you're dealing with the SEC regulations and you need a Securities   attorney to advise you because there are lots of things to navigate that you're probably not aware of and that your real estate attorney probably doesn't have the knowledge or know how to to deal with mostely and I see that mistake being made quite a bit oh yeah no I I see that on social media all the time for sure all the time on social media and it comes down to even with words you say like you have to be very very careful you're not misleading whatsoever what do you find uh the most common maybe mistake syndicators or fund   managers do in the syndication world yeah I mean I think the most common mistake is just not even realizing that they're under the Securities regime right like they're just like oh well I'm just raising some you know I'm getting some investors from family friends and they think because it's family and friends maybe that it's okay but it's not it doesn't it doesn't matter who they are it doesn't matter if it's your your family or friends or you know stranger off the streets you're dealing with Securities yeah and that and you   have to deal with those Securities regulations to come along with it so I I think just not knowing yeah that or maybe kind of turning a blind cheek to it is is more like it I think people nowadays have a pretty good idea of because it is kind of out there now right everyone's on social media they're all talking about it the biggest thing too is is you don't want to not know and you don't want to turn that cheek because um something to know is that SEC has unlimited money and they will milk you dry so you might as well spend the   money ahead of time find you a good SEC attorney like Seth you know to make sure that they don't milk you dry because they will milk you dry and they'll throw you in a little white little 4x6 cell and it's not going to be fun if you didn't know they can print money yeah so so if you're you're going up against someone who can print money and you necessarily can't print like they can print exactly you know so you got to be careful and that's not to mention the state Commissioners too so you've got the SEC to deal with as   well as the state Securities commissioner which people don't people don't realize that there's a federal and a state level too and and it's super important to understand what state you're doing business in and what state your investors are coming from and and super important to understand at a state and federal level yeah yeah and it's a you know and if something happens it's a full-blown investigation I mean it's just like a subpoena or you maybe you will get subpoenaed uh but they're asking for everything you they're asking   for texts they're asking for emails asking for phone logs they're asking and give it give it to them like don't even because if you don't they're going to get it they're going to find it yeah I mean they're just going to subpoena you on it and the judge is going to make you do it or they'll throw you in jail so no matter what give it to them and then address every single situation you know or issue that they bring up that I I think it's it's super important we just talked about this on the other podcast   is be transparent yeah you know be transparent because if not they're again they have unlimited Capital absolutely you know they're going to come and get you no matter what and and if and if being transparent makes you nervous then maybe think about the way you're doing business right oh yeah I mean you should be able to be transparent and and just like I said on the other podcast big investor that we had or a big investor that we interviewed on the other podcast and I said you know during 2023 as you   know uh interest rates spiked you know little bit yeah just a little bit and a lot of syndicators were not transparent a lot of them went ghost a lot of them were let like screw this I'm done and we double down we went from monthly communication to bi-weekly communication which is a lot more on our team but we did it to overc communicate we didn't have to cuz our SEC doc said just once a month we could have just stick it once a month but we decided to double down yeah and and that right there overc   communicating saying hey this is what's going on it's out of our control but this is what we're doing to make sure we can control this you know I think is super important when you're a syndicator fund manager you name it when you're dealing and having investors involved 100% man 100% And you you are able to control the narrative that way too right like if the the past investors is sitting there and they're reading the headlines and they're seeing the interest rate Spike and they're hearing about multifam going down the tubes and   all this stuff and that's not necessarily true not all those things are true it could be Market specific deal specific those things but if you're not in constant communication with them letting them know hey this is what's going on with this deal maybe this deal is going great maybe this one's not going as well well here's what we're doing to fix it it it goes a long ways 100% their trust you're going to have an upset investor you know you are if you have you know 20 50 100 investors one's going to be upset and if you ever got   audited you can all you can go back and say look at all of our communication right like read through all of our communication we were transparent about everything they're going to look back and be like okay it's this a pissed off investor yeah you for sure for sure and it's super like communication is the biggest uh I think thing that is lost in% capital and also you know being being transparent with the communication because number one from my knowledge number one thing SEC really gets you on is misrepresentation absolutely you know   and if you're not being transparent on it with everything on there boom it it will be a very ugly day for you for sure be transparent you know obviously the things that you leave out as well like if there are key material things that you're leaving out and then you've you've disclosed all these things let's say down the line to the SEC or State commissioner like what in the world this doesn't sound like you're representing this deal like it really was at this time and maybe they're going back and   looking at your records looking your financial statements and seeing how that deal was going it wasn't going great it was going terrible Y and you're saying that everything is great well um that's not being transparent right you know you're not communicating that with the investors right yeah no I think that's super important H you know what have you seen you know over 2023 dealing with you know Securities talking with other fund managers things like that what have you seen you know during last year with   interest rate hikes man it it there was a little bit of blood in streets right you know a lot of these deals um that had shortterm loans that had um you know the the variable loan rates um struggled yeah a lot of people that caps they didn't get rate Caps or the or the cap expired yeah or their cap expired and they didn't have enough money in reserves to buy an extension on the cap you know and and that was huge that was huge thinkk one of our deals uh had 202 for or excuse me uh 2024 expiration and   we bought uh end or beginning of 2023 end of 2022 rate cap to Extended 2025 and I'm so glad we did it yeah you know it was perfect timing because that same rate cap would have been a million and we only spent like 400,000 yeah yeah for sure yeah so you're seeing a little bit of blood in the streets um you know I think right now what's happening banks are allowing for some uh leniency with their loans they don't they don't want to have the property absolutely and it looks it looks terrible if they do have   the property on their balance sheet plus I think they the this go around cuz oh0 wait the first thing they said is we're going to foreclose on everyone we're taking everyone's property then they realize well [ __ ] I got a ton of property and no one wants to buy it yeah you know so I think they've learned their lesson and now they are like okay we don't want to forclosed because no one's going to buy it and if they do buy it we're still going to take a huge loss so let's go ahead and see what we can do   to work things out you know if the property's really really not bad let's see what we can do to work things out because it will rebound it's coming back back around yeah but I do think you know we're kicking the can down the road they're giving extensions those sorts of things and we're all banking that the interest rates are going to go down at some point right so we're hoping for that um I think that they will I think we're going to see one before the election yeah it I think we're going to see a quarter point before the election   I think I think some politics have gotten into drone Pal's head no way yeah I know right no way couldn't I I think they I think they had a nice little cigar dinner or something and and I think they got in his head so I think you'll see one before the election of this year I agree I agree yeah you know it's it's going to be a wild election too not wanting to dive deep into politics but it's definitely going to be a wild one uh talk to us about you know the the California lifestyle what are you what are you doing right now you you   also your wife beautiful wife has a great business you guys are running that's why you're here in Charlotte talk to us a little bit about that and why you guys got into that too yeah so we uh started uh we bought two burn boot camp franchises so uh my wife luckily runs those helped her get them off the ground and now she's crushing it so letting her run with those and uh they're going really really well um lifestyle in California you can't beat it man I mean San Diego is unbelievable oh it's beautiful down there the weather   everything kind of like how you said earlier in the show I mean if you if you can afford to live there one because it is really expensive oh I know and if you can deal with the politics then there's no better place in the United States for sure really there's not you know I just wish they had better politics over there um but yeah the weather out there is so beautiful you really can't beat it you can't beat it you know let's talk about health because you guys own those burn boot camps they're huge in Charlotte um   their headquarters here in Charlotte that's where it was founded um and tell us a little bit about what burn boot camp is and then also I'm going to want you to touch on like how are you optimizing your health to to be the phenomenal husband that you are to operate you know businesses and getting involved in real estate talk to us about that sure man yeah burn boot camp it's a boutique Fitness franchise um you know it's it's Boot Camp style workouts workouts the same um it's incredible and and it's focused on women it's focused   on empowering inspiring so if you're a single man you should go absolutely absolutely I will say I've been taking up hot yoga lately Hot Yoga is good and for those single men out there go to hot yoga just saying there we go yeah Gym's not a bad place to pick up women yeah plus the great thing too is that there's no filters you can't have filters at the gym and more than likely they're not going there with makeup on so it's it's a good place to filter out women you want there you go a little different than the apps right yeah I   know so so it's geared more towards women it is geared towards more towards women um but it I work out there every day I mean that's where I work out now like that's that's what I do I love the total body workouts I love the total body workouts you go in like an orange theory you go in one hour boom you're done you're going about your day exactly hour in and out of there and for guys like us that have a million things to do like it's unbeatable and I want somebody telling me what to do I was just going   to say that I don't want and I I work out by myself now and it's so much easier showing up tell me to shut up go do this do that get it done boom okay I'm all about my day you know tell me what to do right just tell me what to do I I will I will tell you I've been to the gym and there's been times I've had business on my mind that I'm like wait okay so I'm at the gym what do I need to do like you're sitting like a 24-hour fitness or or yeah something like I work out at lifetime I live right behind it   and I walk in there sometimes because of my long days and I'm like [ __ ] what do I want to do today like I because my mind is business business business it's so much easier showing up having someone said hey we got all these set workouts you're going to knock these out and be done they make they make you focus on the workout at that point instead of you know business or whatever listen to a podcast or something what got you guys interested in opening up one of those I hope you're enjoying today's episode   just a quick reminder to make sure you never miss an episode stay connected with us by following us on social media platforms Instagram Twitter threads Tik Tok at Chris saloor and don't forget to subscribe to YouTube to catch the video versions of our episode you'll get exclusive content behindth scenes footage and much more head over to YouTube chrisoro now and hit the Subscribe button stay tuned because we've got more great content coming right after this actually cuz my wife worked out at one   here in Charlotte really so she was working out at one she was working out at one here in Charlotte and then we moved back to the West Coast cuz I took a job here in Charlotte for a little bit then we moved back to the West Coast and I was look looking to start a business I was looking for something recession resistant outside of real estates I was already investing in real estate but looking for a business outside of real estate I looked at liquor stores I looked at laundromats um and then she   turned me on to burn boot camp which is not recession resistance let's put it that way but at the same time they're really good salesman look like a great business model turned out to be awesome although oh most definitely yeah circumstances weren't great we opened two weeks before Co hit oo but talk to us about that you know opening a and we all know California they they lock down like oh yeah they lock down you can't even go get your mail out of your house um talk to us about that opening up a   business right before covid and being in California where you know they were basically Nazis out there yeah for sure I mean we opened up two weeks in um and we didn't have any paying members because we were all on uh they were all on like a free membership TR one yeah so then we had to shut it down we had to move inside we had to move outside we did online workouts every single day uh pivoted yeah we pivoted we did whatever we had to do to keep the lights on wow um so literally our lead trainer and   business partner was in our apartment leading online workouts and me and my wife Alison are in the background like like a yeah like a music workout video Yeah in the backgound but it did keep us in shape during Co cuz we worked out every single day because we had to make those videos you had to yeah but it was I mean it was ridiculous out in California man they shut down the beaches they shut down the water you weren't allowed to be in in the ocean what you weren't allowed to be in the ocean cuz they said it got transmitted   through the water at one point so are you serious so they kicked the Surfers out of the water and you kick the Surfers out of the water in San Diego you're you got some pissed off people you got a big problem but there are like all these you know Instagram videos the cops chasing Surfers down the beach and the guy just dropping his surfboard and running it was it transmitted through the water yeah insane but that's new heard that inside outside online inside outside eventually we we blacked out our   windows so you couldn't see in it because we got we got actually attacked by U an Instagram person that ended up going viral because he said hey you're the reason that we're the the disease is spreading because of businesses like yours and they filmed us from the outside into the windows and it went viral no way and it went viral and then finally we we ended up blacking out the windows and just stayed open cuz there's at that point it was like either Do Your Own Thing yeah and stay open oh yeah or   we're going out of business yeah you got to shut shop and this is a venture you just opened up no one knew Co is coming and all a sudden Co boom co comes and wow so you bled out the windows and you said hey we're just going to do it it's like a Speak Easy now yeah you guys want to work out we called it that at one point really speak easy easy workout like underground workouts underground haircuts there all kinds of that stuff going on it was insane that's W if you just have to think about that that's   just wild yeah like you know just for your basic necessities to stay in shape and things like that turns out if you got sunshine and you worked out you were a little bit more immune to the disease oh really yeah interesting interesting wow and you weren't locked in doors and you weren't allowed to work out yeah well problems wow I think we can go on a rabbit hole about that damn I'm not a big fan of I will say I do think there's another one going to be coming you know I think there's another pandemic that   will be coming um because of what happened with the first one so let's see uh let's just see what happens let's see if we handle it better this time uh we shall see it depends on whose's President I I think that's that's true yeah um definitely depends on them so you guys now you know past covid everyone's now out and about in California everything's been lifted and now those are up and running are those are the only ones really on the west coast right or um I think there are let's see two four five I think there's   six in California right now six now yeah cuz like you said it was based in Charlotte mainly east coast yeah yeah I think there's about 400 locations open now very cool um actually I think they're approaching 500 locations now yeah um so it's expanding pretty quickly at this point you know Fitness franchises have have rebounded completely from Co at this point oh my God yeah I think I think the fitness industry and I'm seeing it more and more people are taking it a lot more serious yeah they're they're watching what they   eat and I I said this multiple times with my son he's four and a half uh he watches what um or I make sure whatever I give him I watch very closely goldfish now and if you look and I swear this is brand new if you look at any ingredients now it says bio oh what is what's it say bio biograde or bio bio bioengineered food so it says it's been bioengineered the food that's been in there yeah so if you look go next time you go to the grocery store look at the ingredients and now it says it in bold you can pick up some gold Vision it says   bioengineered chemicals hm in the food interesting it's wild even her Pedialite had it said bioengineered chemicals now I swear that just popped up you know in one of these crazy bills cuz I've never ever seen it say bioengineered food on there uh and I steer very far away from it I'm big on those factors Factor meals now okay I have you heard of those I have y so I get those now once a week it's like 141 bucks uh lunch and dinner CU I don't eat breakfast so lunch and dinner 141 bucks and I'm thinking in my   head well if you and I went out to dinner it'd be about a 100 bucks right now so I get uh 14 meals per week lunch and dinner for 141 bucks I'm like I can't beat that yeah like that's good I throw them in the microwave 2 minutes boom done yeah we do pre-made meals all the time but we switch like we've done Factor before bur boot Camp's actually coming out with some in the fall we we got the test drive and they're actually pretty delicious cuz yeah we're pretty picky about these types of meals you   have to be but they're actually really good are they so they're coming out they're coming out with their own branding yep oo that'll be exciting and that is that's not just for boot camp people that's for everyone yeah you can just get on the app and order them this fall I believe really oh I'm going to have to switch it up and try man they're good but especially with pring these days it makes sense plus how busy you and I are yeah I mean so are you meal prepping or are you using these type of things my wife does some meal prepping   on Sunday got to love her yeah that's basically it every once in a while I volunteer to grill out but man it's it's it's a Time suck right like it to feed yourself at home like it sounds even going out you know for a lunch meeting it's like two hours like I have to block two hours off on my day for a lunch meeting yeah yeah I mean trying to cook an individual meal every single night let alone like lunch as well and even and then you got to clean all that Tak in just takes so much time we we don't   have time for it no I I I don't either that's why I start a factor where I throw it in 2 minutes boom I eat it and I'm done and I'm like well I threw it away boom no cleaning done I love it I love it so you guys are doing great things with the bur boot camp out there what do you what are you seeing uh let's go back to the real estate market what are you seeing in the near future I know we talk about interest rates lowering you know what are you seeing what are you doing right now in the real estate   market as well yeah um currently a fund manager for $20 million fund it's an Adu Fund in California so we're doing basically in California just like everything else difficult to do anything right like the government's got their handed and everything oh my God so very difficult to get any kind of construction done off the ground it's mind bogling we're buying a car wash and Cape car right now and it's finished yeah well they came out for the co they don't like the garage doors and so now we have to order new or the the seller   we're buying it from the seller seller has to now order new garage doors it won't be here till end of October and I'm like like seriously the garage doors will only be down between 9:00 at night and and 7 in the morning like it's middle the night no one's going to even look at them yeah like and you want these fancy garage like come on really yeah you know so and I can't imagine out in California yeah and if you get the coastal commission involved it takes literally years and years to do any so   anyways the reason I brought that up is because the adus accessory dwelling units they actually have a bill in California that they past and they basically just FastTrack those types of developments so if you want to add they they view it as a a solution to housing so the lack of housing yeah um so they let you build on uh turn your single family property into a duplex or even build duplex on the on the property if you have a big enough lot um so you can turn one units into four and rent the back out or rent them all out yep   exactly so it's a it's a quick way to get the construction approved get it done I don't know how long this wind is going to be open so you guys taking advantage so we're taking advantage of it right now love that love that and is your main focus down there in that San Diego Market um it's actually Riverside County okay yeah where and where I'm Riverside county is is East just East adjacent of Los Angeles County okay right so a little cheaper housing so it makes a little bit more sense when you get closer to the coast it stops making   a lot of sense you got to go for some more creative Place cheaper like 5 million probably yeah yeah yeah just a little $5 million 5 million um but but cheaper housing there so you guys are finding opportunity now is that bill all for California where you can for all California and then the local um you know counties and municipalities can kind of change that and you they can't make it any more restrictive but they can make it even less restrictive okay good and so are you uh are you guys doing long-term rentals there are you   doing short-term like airbnbs um semi longterm right so we're putting in a 10-year fund so you know we're getting we're buying the property we're renovating it putting ad used on the properties and then renting them for a few years and then unloading them towards the back end of the the fund I love love that and with these you're all buying them in the same area yeah yeah Riverside County generally I mean it's you know spread across how are you guys finding good deals in this market you know it's so hard multif family no you   name it any any type of real estate there's always a huge disc connect between a seller and a buyer how are you guys finding good deals right now uh my business partners man like I you know I'm handling legal I'm working with some Capital I'm I'm advising on on raising Capital those sorts of things um but my business partners are real estate brokers and they' been doing uh this type of thing identifying properties that are perfect for adus um for a number of years at this point so they're they're the main source they they get   first look I love I love that how how is it finding you know great business partners you know it's just like a marriage you you got to test it out you got to see how it is because a Business Partnership is like a marriage how is it you know and how did you guys link up yeah um networking event so I met I met these bus business partners actually at a wealth without Wall Street event that I was speaking at nice yeah yeah so I met them hit it off with them I think the first I've been in Good and Bad   Business Partnership relationships yeah I I think you you have to go through bad ones you do because if if you don't go through bad ones you don't know what what can happen to you and I would rather go through bad ones early on to make sure that when if we went into business we have the right contract the right verbage all of that in place because at the end of the day again just like if you would get married you're signing a contract to your wife you know in most circumstances I highly recommend   sign a prup I'm not a big fan I don't believe in marriage uh but a Business Partnership is a marriage yeah you know it is it is and building off of that like you have to like the person I think that you're going into oh 100% you have to hang out with them like you you have to be very cold cordial you know talk you guys have to like the same things if you just like a relationship if you guys don't like the same things if you don't like if one party likes working out the other one doesn't other one doesn't eat   healthy the other one eats healthy like it's just not going to work out it's not not not a long-term Business Partnership right like it can't just be transaction maybe shortterm really quick turnaround time but if it's going to be a long-term Business Partnership you got to like that person you generally like him you're like hey I I like this dude I'll go have a beer with him this is great this is I'll travel with him my business partner we travel around the world together we hang out together we go to   the same events together we like the same things you know it's it's amazing that's super important part because I think communication back to communication is huge right like and if you don't like that person it's going to feel forced and awkward and kind of going over a hump to try to communicate with them and that's the key you got to stay transparent you got to communicate because again if you have that separation you're not communicating you're not transparent who knows what the other person is doing at that point   oh agreed agreed most definitely I mean my business partner we talk about 20 20 25 times a day yeah and it's and most of it's business but other thing is personal hey how's the family doing how the kids doing you know anything going on blah blah blah but it's super important to also let your business partner know what's going on with you personally I think that's I think that's important as well because if if you're going through you know knock on wood you know something with your marriage I need   to know that I feel you know even if it's getting a little rough I need you to say hey you know my marriage is getting a little rough because I need to know okay if you're not here at business 100% I'm going to step up 120% to make sure that we're still good you know I think that's important AB for sure for sure and we do that even with like our team so with bur boot camp with some other businesses that we have we have leadership meetings and we make sure that everyone sh kind of personal things   what's going on keeping that transparent relationship up because it's it's important it affects um your personal life affects your business life as much as you don't wanted to most definitely no you're spot on there so I always say not all not all chefs not all chefs should own the restaurant not all attorneys should own their own practice you know what has really helped you to really own your own business and and you know go through the trial and errors and things like that to you know survive Co   to to run a successful you know Law Firm things like that yeah I mean I think one of the key things for entrepreneurs and people starting businesses you got to be a little bit crazy right you got to be a little bit crazy you got to be willing to take risks right you got to assess risks and and take them you can't be afraid to to just go out there and take action and do it um I think that attorneys on the other hand are trained not to take risks right they are trained to assess the risks but they're really   leaning to risk averse risers really leaning towards no whereas an entrepreneur is leaning towards yes yes so I think that I strike a really good balance between those two that's good um and I think that's what allows me to be an attorney at heart but then you know also be an entrepreneur and take risks and I think that's what my business partners appreciate as well I love that um I figure out how can we do it rather than can we do it right like that most attorneys will be like well we can't do it because of this or I advise   you not to do it because of that I will say look we can do it here's how yep right and here are the risks oh most definitely now you as the business partner if you're my partner we need to decide is it worth it or not yeah right cuz there's there's always risk involved so do you want to take no matter what you do there is risk you just have to make sure you take the calculated risk that's right you know and sometimes you may think it's calculated at that point in the moment and it turns out to not be   right so you have to have the ability to Pivot very quickly like you guys did with Co you have to have that ability to handle that stress and handle that pressure so you can power through for sure absolutely yeah no I love that where do you see you you think you know where do you see yourself uh you know growing uh triest you know where where do you see yourself with that and on to the Future yeah so I joined tribe vest of July of last year nice so it's been about um been about one year and we have   really developed um you know this this fund of Fund in a box right like you've probably heard about how the market is really shifting from the cgp model right to fun of funds because the is kind of you know they kind of started investigating people and you know these folks that had these cgps that were just raising capital and not doing anything else which everyone knows you're not supposed to do but everybody does it anyways yep um started looking for another solution and the fund the funds model has always been it is the solution   it's always been the solution it's not a new thing it's just a more you just people didn't know of it at the time at a high level yeah and and honestly it it's more complicated it's more expensive it's more expensive and there's just you know a lot more things to go into it so people just took the easy route did theot quote CP rout and and it you know I guess I'll say that it worked up until this point right like I guess you could say you got away with it or what have you um but the market is is   is Shifting or has shifted to the co or to the fun everything is fun to funs now that's all I'm seeing is fund to funds models training programs you know and fund to funds things like that you know it's definitely questionable I think as an investor I would ask if if I'm talking to a sponsor hey are you the lead sponsor or you a fun of funds because in in my eyes you're paying double fees you know to get into those opportunities don't get me wrong people need to make money people are giving you   great opportunities to invest and build your Capital um but there's definitely questions I feel like definitely needs to be involved yeah I mean there's always questions right I mean even when everyone was using the CP model it's like well who's actually the operating partner who's the lead sponsor who's actually going to execute the business plan after we closing this property and I think a lot of cgps were kind of masquerading as the operating partner like hey this is my deal I found the property I'm going to be doing this   executing this business plan in reality there's a lead sponsor who found the deal who's signing the loan documents who's going to execute the business plan and sometimes there passive investors don't even know they don't even know and and fund manager like you said kind of same it's the same thing right the fund manager should not be representing that they're the operating partner Som or anything like that um I know at tribe vest we we really emphasize that because the the vehicle that we use is an SPV   fund of fund where the the fund of fund is designed only to invest in one specific deal so we're not it's not a discretionary fund where you can do whatever we can do whereever whatever you want invest you know multiple deals or anything it is one deal so you're really just serving as a conduit uh to invest in a Target deal so it's very clear to the pive investors very spe specific if you invest in this fund of fund all your capital is going into this deal and we disclose those deal documents as well so those offering   documents are an exhibit to the fund of fund offering documents most definitely no I think that's super important and we have a fund that we've put together for car washes and before we really truly launch the fund we have we have those deals locked under and we're like look these are the deals we may add some more deals but these are the specific deals that we are buying and that the capital is going into yeah yep yeah for I think that's super important so you guys are really taking advantage of this   opportunity out in California um you see it definitely growing you know with your guys's portfolio out there oh for sure for sure I mean the fun to funds model we we've made it affordable right so the the problems with it were that it's complicated it's expensive those are the two B two biggest things you've got to get your if you're a fund manager who used to be a cgp depending on the lead sponsor to do everything for you now you've got to do all those things yeah accounting you know all bookkeeping all   of that you got to open a business banking account you got to form your LLC you've got to find a Securities attorney you've got to find a CPA you've got to manage your investors you got to find a platform all those things that the lead sponsor usually does yeah and then you're going to have to pay depending on the attorney you know anywhere from 15 to 30,000 absolutely uh you know on average some are even 50,000 from what I hear but normally the head attorney who's running the whole syndication will   have a deal where you can do a fund of funds at a cheaper amount but it's going to cost maybe 15 20,000 for you as a fund manager to open up your own fund right and you know that some CPS former CPS can't really raise Capital right like they own a deal and they say hey I can raise a million bucks easy and then they come up with 100,000 bucks or zero yeah right so if you do that with a fund of funds well now you an attorney 15,000 bucks or 25,000 bucks and you didn't raise any Capital you're screwed that's   a lot of money out of your pocket when you weren't able to get paid on that deal yep um but what we've done at triest is combined all all those things together love that we you with triest it's a fun to fun in a box it's basically done for you kind of a done for you program you know you you get your k1s we open your business banking account we form your LLC we do your offering documents we on board your investors so we send out electronic signatures of the offering documents quote unquote hurting the cats right   getting getting them to wire their funds basically taking the place of an investor relation which I will tell you I love our investors that will sign and wire right then and there but we do have those sum that will sign and then the wire is like pulling teeth and it comes to a point where I'm like look like I feel like I'm stepping my boundaries by keep asking you hey why are your Capital we need you know it's very difficult sometimes yeah it is it is and I can feel for him a little bit especially the first time   around ,000 bucks you're like whoa this is crazy wiring to a stranger or somebody you might have just had a couple of contacts you know we we advertise heavily on social media we only accept accredited investors as a 506c so we can advertise we advertise heavily on social media um I don't actually to be honest with you I don't think I've ever done a 506b that's awesome that's a great that's place to play I always6 coun people to do five sixc and only accept credit investors that's going to keep you safe yeah 100% you know and   it's it's a lot easier um but yeah you know I think it's it's super important to go that route and even with those new investors I definitely understand you know 50 200 300 you know 500,000 is a lot of capital from someone you you met on social media that's why you ask the right questions that's why you get references you understand the business model business strategy and at the end of the day though you have to take a risk you have to take a risk and a leite got the trigger and just do it yep got   to take action I love that you guys are doing that all inone I think that's huge yeah yeah and going back to to pricing man you the last Law Firm that I worked at huge Law Firm top three law firm in the world we charged $75,000 you bullsh out of the gate for a set of s now this was at the lead sponsor level but a lead sponsor documents and that's just for the initial drafts and then it's charged per hour no way yeah get started just to get started people don't realize how expensive creting a fund is it's   expensive yeah yeah and then some people you know there are you know these Boutique firms I mean even my Boutique firm we do it at a much lower cost and people are like whoa that's so expensive because they just haven't seen it I'm like you have no idea how expensive it actually can be oh I know do you do you see yourself uh going into any other practice of law oh I don't think so secur is where it's at man I mean I've I'm a fund manager I've syndicated deals myself as a lead sponsor you know I've   worked as a Securities attorney now for a number of years so it's it's kind of where my interest and my legal practice have kind of combined how do how do you keep up with your energy and your mindset your your your high energy your great mindset how do you keep up with that and cultivate that man I think you know we kind of touched on it before but we didn't quite get around to it it a lot of it is just trying to take care of yourself staying healthy man getting sleep that's super important right I   think a lot of entrepreneurs run themselves into the ground and they don't sleep man I don't care what time I get to bed I'm sleeping 7 hours so I I set my alarm clock for 7 hours after I really you do that after I lay down interesting I'm complete opposite oh yeah uh no matter what time I go to bed I wake up at 6:00 a.m. no matter what time uh Stephanie can tell you I'll send her emails at 3:00 4 a.m. in the morning you might get 2 hours might get 10 hours yep no never 10 no never o never over   seven okay I can't get over seven hours yeah I if I get over seven hours I feel joggy I feel like I've slept I've wasted my day um even on Saturdays and Sundays I will wake up boom and you know if whoever's in the my girl who's in the bed I'm in in my office at the home working you know at 6:00 a.m. on a Saturday that's how I'm wired if we get home at 1:00 from an evening you know out with friends which I rarely do 6:00 a.m. I'm up ready to go that's awesome man that's awesome and I think what helps you know I don't drink yeah don't   drink alcohol I don't care to um you know I drink water I drink too much lattes yeah uh but uh but yeah don't drank alcohol and I think that's helped tremendously sure not being in my system yeah that there's a huge movement now right towards not drinking my what's this new there's this new uh drink everyone's getting it's uh it's not it's we all know a virgin drink meaning no alcohol but a mocktail oh yeah every I'm hearing this everywhere everyone's just saying they're getting mocktails cuz they don't want to drink it there's like   mocktail bars there are I think there's some in Charlotte that are mocktail bars and they don't serve any alcohol at all um and I think a lot of people again I don't know if it was Co or whatever but a lot of people are very conscious with their health they're watching what they eat even you know with go again going to these grocery stores next time you go to the grocery store look at that this is bio-engineered chemicals you know a lot of people are watching that in what they're putting into their system for   sure for sure people are much more aware of it I mean I I'm a drinker I do drink which is fine yeah but I do I you know I did dry January and honestly you can just you can tell I mean you're poisoning your body with alcohol I think at this point everybody understands that they realize that and they choose either to do it or not but is poison to your body I mean that's what at the end of the day it is and for me personally I don't I don't care to wake up feeling you know joggy or anything like that I   care to wake up feeling great you know thriving and ready to go but alcohol does do that alcohol will do that to you and you'll definitely see the the weight I mean my lattes I see my lattes at my lower stomach and I'm like I got to do more ABS got to eat healthier got to drink the black coffee man I do so I drink the black coffee but when I'm out and about I'll stop and get a latte I I don't know I love I just love these lattes yeah I drink a ton of coffee so but mostly black coffee at home I I'll   make black coffee 100% at home black coffee but if I'm out and about traveling or something like that I'm like got to give me a latte yeah for sure but yeah man I mean it's it's staying healthy you got to keep yourself healthy to be able to perform mentally yeah you have to you have to these days especially with all this bioengineered you know chemicals all this type of food out there that is just unhealthy for you you have to really watch what you eat for sure for sure you got to get that work out in I mean if I'm not working if   I don't work out for like 2 days in a row I'm going I'm going like stir crazy oh I am too I am too I work out every single day and even if I can't get a full like hard workout in I'm like okay I'm going to walk around the block like I'm going to and I and I now have a tread meal under my desk where I'm like I'm going to at least walk one mile because I know I can't get a full workout in at the gym today so I'm at least going to walk one mile because I I have to keep my body doing something for sure there's something about it it just   clears your mind out right like it just it gives you Clarity by working out when when you don't work out for a couple of days man it's just like fog just I just feel foggy it no 100% you don't feel sharp I'm a big I'm a big fan of the sauna and the steam room yeah I love a nice sauna in the steam room I I do it before I work out and after I work out and I can stay in there for 30 minutes each like I love it in there um but I I think you know adopting that I'm looking into that red light therapy I don't know   if you've looked into it I've heard of it I've seen it but I haven't done a ton of research on it yet I've done some research on it I'm doing more on it though I don't know enough to be dangerous but I'm it's definitely everything I'm reading is very highly beneficial you get that like built into the sauna right I've SE if you get the home Sona too see I'm I'm bougie I work on a lifetime uh they don't have it there um but uh hopefully they do soon um but yeah you can get one of those home saas that also have the red light   therapy in it yeah yeah yeah I think I think that's huge um from what I've done with research is very beneficial for your body there you go let me know let me know what you what you find out I will I'll definitely let you know on that so I love what you guys are doing out in La you know really maximizing what that current law is out there do you see yourself you know you guys possibly getting into the multif family space of large multif family because I know that's what when you and I first met we   we were doing that all that you see yourself going back into that route sure man I mean when the market makes sense and I'm not saying it doesn't make sense but I I don't have a fully build out team right that that's able to find and identify great deals and that takes that takes a lot takes time effort all that exactly so I don't have that fully built out team but when it makes sense to partner with somebody that does have that team and I like the deal certainly certainly no I I don't I don't blame you   I think right now there's still a huge disconnect um I will have to agree with Grant cordone on this is that um I watched a video and he said um right now it's going to be very difficult to put push rents which I've said before and I agree with uh he's given a timeline about 2026 and then uh from there he feels that rents are going to Skyrocket substanti I you know right now it's going be very difficult push R you're not going to be able to for a good couple years so how are you undering you know back in the   day right after covid with the c rate compression everyone's underwriting four five 7% rent growth you know every single year and it's like you can't do that now and that's when I I saw the really the writing on the wall um and then from there you know if if that it's going to be like that for the next couple years till 2026 you know after that is it going to spike or is it not you know there's going to be a lot of Supply coming on the market how how what's it going to look like you know it's unpredictable man it's tough   anybody that tells you that they know the answer they they don't know they might be taking a good guess but they don't know they don't know I think you're going to see a lot of people switch asset classes like we did you know we're in the car War sector we're going to stay in the car War sector um you know will we get into Hospitality or retail here in Charlotte I mean I'd be dumb not to get into retail here in Charlotte or Hospitality we all know Charlotte's booming um it's a wild City so you getting our hands on great   property great real estate it may make sense yeah you you got to stay Nimble you got to stay Nimble you you can't just uh you can't just stay in one vertical one industry one asset type just because that's you know what you've done in the past corre that might not make sense right now today's market I think we saw a lot of sponsors in 2023 get into that

a16z General Partners Erik Torenberg and Martin Casado sit down with technologist and investor Balaji Srinivasan to explore how the metaphors we use to describe AI—whether as god, swarm, tool, or oracle—reveal as much about us as they do about the technology itself.Balaji, best known for his work in crypto and network states, also brings a deep background in machine learning. Together, the trio unpacks the evolution of AI discourse, from monotheistic visions of a singular AGI to polytheistic interpretations shaped by culture and context. They debate the practical and philosophical: the current limits of AI, why prompts function like high-dimensional programs, and what it really takes to “close the loop” in AI reasoning.This is a systems-level conversation on belief, control, infrastructure, and the architectures that might govern future societies. Timecodes:0:00 Introduction: The Polytheistic AGI Framework1:46 Personal Journeys in AI and Crypto3:18 Monotheistic vs. Polytheistic AGI: Competing Paradigms8:20 The Limits of AI: Chaos, Turbulence, and Predictability9:29 Platonic Ideals and Real-World Systems14:10 Decentralized AI and the End of Fast Takeoff14:34 Surprises in AI Progress: Language, Locomotion, and Double Descent25:45 Prompting, Verification, and the Age of the Phrase29:44 AI, Crypto, and the Grounding Problem34:26 Visual vs. Verbal: Where AI Excels and Struggles37:19 The Challenge of Markets, Politics, and Adversarial Systems40:11 Amplified Intelligence: AI as a Force Multiplier43:37 The Polytheistic Counterargument: Convergence and Specialization48:17 AI's Impact on Jobs: Specialists, Generalists, and the Future of Work57:36 Security, Drones, and Digital Borders1:03:41 AI, Power, and the Balance of Control1:06:33 The Coming Anti-AI Backlash1:09:10 Global Implications: Labor, Politics, and the Future Resources:Find Balaji on X: https://x.com/balajisFind Martin on X: https://x.com/martin_casado Stay Updated: Let us know what you think: https://ratethispodcast.com/a16zFind a16z on Twitter: https://twitter.com/a16zFind a16z on LinkedIn: https://www.linkedin.com/company/a16zSubscribe on your favorite podcast app: https://a16z.simplecast.com/Follow our host: https://x.com/eriktorenbergPlease note that the content here is for informational purposes only; should NOT be taken as legal, business, tax, or investment advice or be used to evaluate any investment or security; and is not directed at any investors or potential investors in any a16z fund. a16z and its affiliates may maintain investments in the companies discussed. For more details please see a16z.com/disclosures.

Mentoring often sounds like the perfect way to steward your time in retirement—until you try it and realize it's not as intuitive as you'd hoped.For many retirees, mentoring seems like a meaningful way to invest in the next generation—a way to put their life experience to work. But what if we've misunderstood how mentoring fits into God's design for this season of life? Jeff Haanen joins us with practical stories and spiritual insight to help us reframe it.Jeff Haanen is an accomplished entrepreneur and the founder of the Denver Institute for Faith & Work. He is the author of An Uncommon Guide to Retirement: Finding God's Purpose for the Next Season of Life and Working from the Inside Out: A Brief Guide to Inner Work That Transforms Our Outer World.Rethinking MentoringRetirement is often marketed as the reward for decades of hard work—a long-awaited season of leisure and personal fulfillment. But what if there's a deeper, richer invitation waiting for us in this chapter of life? What if retirement isn't just about what we get—but what we give?Retirement isn't the end of our calling. It's a fresh opportunity to steward our lives for God's Kingdom in powerful new ways. One of the most meaningful ways we can do that is through mentoring—especially when we reimagine it as intergenerational friendship.Many of us picture mentoring as a formal, structured relationship: scheduled coffee dates where the older offers wisdom and the younger listens. While these settings can be helpful, we've found that mentoring is most fruitful when it grows from an organic, mutual friendship.Rather than casting ourselves as sages who dispense advice, we're invited to be fellow travelers—learning, laughing, sharing, and growing together. Intergenerational friendships emphasize mutual respect, shared experiences, and spiritual growth over time.This vision of mentoring as a form of friendship has deep roots in Scripture. Jesus said to His disciples, “I no longer call you servants… I have called you friends” (John 15:15). The Apostle Paul invested in Timothy, Elijah mentored Elisha, and Naomi walked with Ruth—but in each of these relationships, we find more than just a teacher and a student. We see companions whose hearts were knit together in love and trust.In God's upside-down Kingdom, wisdom flows both ways. The older bring experience and insight; the younger bring hope, energy, and perspective. Together, we become more like Christ.What Makes Mentoring Thrive?Through our own journey and through observing others, we've seen several elements that make these relationships truly flourish:Delight in the Next Generation. Mentoring starts not with duty but with joy. When we find genuine delight in those younger than us—when we enjoy being with them, listening, and learning—we build the foundation for real connection. Affirm Before Advising. Many younger adults are uncertain about their calling or whether they have what it takes. A word of affirmation can be far more powerful than advice. Encouragement builds trust and opens the door to growth. Lead with Vulnerability. We don't need to have it all together. It's our stories of failure and God's faithfulness that often minister most deeply. Humility makes room for healing and hope. Commit for the Long Haul. There's no shortcut to transformation. Mentoring thrives when we're patient and willing to walk alongside someone over time—through victories, setbacks, and seasons of change. Ask Thoughtful Questions. Jesus often asked His disciples powerful, heart-revealing questions. We can do the same. When we help others discover truth for themselves, they take greater ownership of their journey.The local church is a natural place to start. It's one of the few places left in our culture where generations regularly gather. Maybe it's time to simply show up—to attend a young adult gathering, volunteer in youth ministry, or offer to listen and pray for someone younger.Our workplaces also offer opportunities. Even in retirement, we may still have professional wisdom worth sharing. Informal conversations, apprenticeships, or consulting can all create meaningful space for mentorship.Most importantly, we must pray. We've learned to listen—not only to our mentee but to the Holy Spirit. We ask: Lord, what do You want us to say in this moment? How can we best serve this person? Prayer is the lifeblood of all fruitful mentoring relationships.What If Retirement Looked Like This?Imagine if thousands of believers approaching retirement swapped comfort for Kingdom impact. What if instead of isolating ourselves, we stepped into churches and communities, offering our time, wisdom, and presence?We believe that mentoring may be one of the most significant contributions we can make in our later years—not only for the benefit of others, but also for our own joy and growth. As we give ourselves away, we often find our richest reward.So here's the invitation: Start showing up. Start listening. Start sharing your story. And watch what God does through friendship across generations.Help Us Equip Others to Live with PurposeRight now, more people than ever are seeking biblical wisdom to navigate their finances and their calling. When you become a FaithFi Partner, you help meet that need.Partners receive:Early access to new devotionals and studiesA subscription to our Faithful Steward magazinePro access to the FaithFi appJoin the mission today with your gift of $35/month or $400/year at FaithFi.com/Give. On Today's Program, Rob Answers Listener Questions:I'm trying to compare mortgage rates from several lenders, but I'm concerned that multiple hard credit inquiries will affect my credit score. What's the best way to shop around without damaging my credit?I'm trying to decide between setting up a Special Needs Trust or an ABLE account for my nephew. Can you explain the differences and help me understand which option might be better for his long-term financial support?After my husband left, I found myself in a challenging financial situation. Most of my savings are gone, and because of a traumatic brain injury, my ability to work is limited. I feel overwhelmed and don't know where to begin. How can I start to rebuild my financial life?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)An Uncommon Guide to Retirement: Finding God's Purpose for the Next Season of Life by Jeff HaanenBankrate | Lending TreeMovement MortgageWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Human Costs of War: 21st Century Human (In)Security from 2003 Iraq to 2022 Ukraine (Taylor & Francis, 2024) documents and analyses the direct and indirect toll that war takes on civilians and their livelihoods, taking a human security approach exploring personal, economic, political and community security in Afghanistan, Iraq and Ukraine, in the contexts of the War on Terror and the New Cold War. The book offers an understanding of war through the recording and comprehension of its civilian casualties and evaluates whether the force used has been proportionate to the threat that prompted it and the concern for human welfare. In the 21st century, the power of the USA has declined, while countries such as China and India become more powerful. The global power balance has been altered in a fundamental way towards a multi-polar world system, with the West no longer able to enforce its policies abroad. Regional and global governance are not assured, and devastating wars have taken a heavy toll in terms of death, poverty and displacement, which feed into the cycle of long-term insecurity. The authors argue that it is important for any conflict to be understood not only in terms of the perpetrators of violence, or of the political and economic reasons behind it, but also in terms of its impact on the civilian population and their security, focusing on conflicts in the Middle East which followed 9/11 and Russia's invasion of Ukraine. The book will be of interest to academics, the public, the media, security agencies and international organisations. It will be useful for undergraduate and postgraduate students of International Relations, International Law, Security, Politics, Policing, Human Rights, Ethics, Peace Studies, Eastern Europe, American Studies and the Middle East. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/new-books-network

We would love to hear your feedback!News links from Ep 261We discuss how Uber and Lyft are pushing back against third-party apps like Maximo, Maestro, and GigU that allow drivers to cherry-pick more profitable rides. These apps have become essential tools for maximizing earnings, but platforms claim they violate the terms of service.• Uber and Lyft are threatening to ban drivers who use apps that help them filter ride requests• Security footage capturing a delivery driver assaulting a 67-year-old customer who questioned her package delivery• Problematic AI customer service bots completely misunderstand basic customer complaints• Financial analysts recommend Lyft stock despite skepticism from actual drivers• Uber is testing a feature that allows women riders to be paired with women drivers• Amazon package deliveries by drone and the potential HOA backlash• The potential for tax-free tips for gig workers with a possible new federal tax deductionJoin our Telegram group to connect with other gig workers, share experiences, and get real-time advice on which apps are currently paying the best. Visit patreon.com/thegigeconomypodcast to support the show and get access to our exclusive content.Digital Disruption with Geoff Nielson Discover how technology is reshaping our lives and livelihoods.Listen on: Apple Podcasts Spotify Ruthless TruthIs an opinion platform hosted by Marvin “Truth” Davis. My life and career...Listen on: Apple Podcasts SpotifySupport the showEverything Gig Economy Podcast Related: Download the audio podcast Newsletter Octopus is a mobile entertainment tablet for your riders. Earn 100.00 per month for having the tablet in your car! No cost for the driver! Want to earn more and stay safe? Download Maxymo Love the show? You now have the opportunity to support the show with some great rewards by becoming a Patron. Tier #2 we offer free merch, an Extra in-depth podcast per month, and an NSFW pre-show https://www.patreon.com/thegigeconpodcast The Gig Economy Podcast Group. Download Telegram 1st, then click on the link to join. TikTok Subscribe on Youtube

Today we are talking about Working from home, heading back to the office, and the current state of remote work with guest Kaleem Clarkson. We'll also cover Microsoft 365 Connector as our module of the week. For show notes visit: https://www.talkingDrupal.com/513 Topics Exploring Remote Work with Kaleem Clarkson Trust Issues in Management Employee Red Flags and Data-Driven Decisions Managerial Concerns with Return to Office Policies Respectful Implementation of Return to Office Challenges of Enforcing Office Mandates Benefits of In-Person Work Hybrid Work Models and Their Challenges Variations in Hybrid Work Policies Impact of Seniority on Office Policies Cutting DEI Initiatives: Fear and Legal Risks Employer Brand and Social Contracts Resources Blend Me Inc Guests Kaleem Clarkson - kclarkson Hosts Nic Laflin - nLighteneddevelopment.com nicxvan John Picozzi - epam.com johnpicozzi Rich Lawson - richlawson.co rklawson MOTW Correspondent Martin Anderson-Clutz - mandclu.com mandclu Brief description: Have you ever wanted your Drupal site to integrate with Microsoft 365, so users can log in with their Azure AD credentials, and then have direct access to shared files, see recent emails, and more? There's a module for that. Module name/project name: Microsoft 365 Connector Brief history How old: created in July 2019 by immoreel, though the most recent release is by Boris Doesborg (batigolix), both of Finalist, a Dutch Drupal shop Versions available: 5.0.22 and 5.1.0-beta1, the latter of which supports Drupal 9.4, 10, and 11 Maintainership Actively maintained Security coverage Test coverage Two documentation guide available Number of open issues: 18 open issues, 1 of which is a bug, though it is postponed waiting for more info Usage stats: 365 sites Module features and usage This module integrates your Drupal site with the Microsoft Graph API, a unified API that provides a single endpoint for accessing data and intelligence from Microsoft 365 services, including Exchange, SharePoint, OneDrive, and more Microsoft 365 Connector includes more than a dozen submodules, each of which provide specific capabilities like Single Sign-On, syncing data to Drupal user accounts, sending Teams messages from within Drupal, and more You can also use this module to do things like automatically add an event node to your Outlook calendar, and invite other people at the same time It's worth noting that in the documentation guide the submodules are named “Office 365”, which is probably what the module was named until around 5 years ago when Microsoft retired the Office 365 name Finally, setting up this module requires registering an app in Azure AD, so it's not for the casual user. But if you're working on an intranet or similar collaboration platform for an organization that is heavily invested in the Microsoft 365 suite, this could make for a compelling integration

Human Costs of War: 21st Century Human (In)Security from 2003 Iraq to 2022 Ukraine (Taylor & Francis, 2024) documents and analyses the direct and indirect toll that war takes on civilians and their livelihoods, taking a human security approach exploring personal, economic, political and community security in Afghanistan, Iraq and Ukraine, in the contexts of the War on Terror and the New Cold War. The book offers an understanding of war through the recording and comprehension of its civilian casualties and evaluates whether the force used has been proportionate to the threat that prompted it and the concern for human welfare. In the 21st century, the power of the USA has declined, while countries such as China and India become more powerful. The global power balance has been altered in a fundamental way towards a multi-polar world system, with the West no longer able to enforce its policies abroad. Regional and global governance are not assured, and devastating wars have taken a heavy toll in terms of death, poverty and displacement, which feed into the cycle of long-term insecurity. The authors argue that it is important for any conflict to be understood not only in terms of the perpetrators of violence, or of the political and economic reasons behind it, but also in terms of its impact on the civilian population and their security, focusing on conflicts in the Middle East which followed 9/11 and Russia's invasion of Ukraine. The book will be of interest to academics, the public, the media, security agencies and international organisations. It will be useful for undergraduate and postgraduate students of International Relations, International Law, Security, Politics, Policing, Human Rights, Ethics, Peace Studies, Eastern Europe, American Studies and the Middle East. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/military-history

In this episode of the SQL Data Partners Podcast, host Carlos L. Chacón is joined by Kevin Feasel and Eugene Meidinger for a deep dive into data governance and security within Microsoft Fabric. As part of Season 8's focus on Fabric, the trio explores how governance tools and practices are evolving with Microsoft's platform, including the use of domains, Purview integration, and the challenges that arise from pricing and tool fragmentation. With their usual banter and insights, the hosts lay out foundational concepts around organizational data governance and highlight some key components Fabric offers out-of-the-box. They also candidly discuss gaps between marketing promises and real-world implementation—especially around documentation and administration. Whether you're building out your governance framework or trying to decipher where Purview fits in, this episode brings clarity and context with plenty of humor along the way. We hope you enjoyed this conversation on data governance and security in Microsoft Fabric. If you have questions or comments, please send them our way. We would love to answer your questions on a future episode. Leave us a comment and some love ❤️on LinkedIn, X, Facebook, or Instagram. The show notes for today's episode can be found at Episode 286: Data Governance and Security In Microsoft Fabric. Have fun on the SQL Trail!

Human Costs of War: 21st Century Human (In)Security from 2003 Iraq to 2022 Ukraine (Taylor & Francis, 2024) documents and analyses the direct and indirect toll that war takes on civilians and their livelihoods, taking a human security approach exploring personal, economic, political and community security in Afghanistan, Iraq and Ukraine, in the contexts of the War on Terror and the New Cold War. The book offers an understanding of war through the recording and comprehension of its civilian casualties and evaluates whether the force used has been proportionate to the threat that prompted it and the concern for human welfare. In the 21st century, the power of the USA has declined, while countries such as China and India become more powerful. The global power balance has been altered in a fundamental way towards a multi-polar world system, with the West no longer able to enforce its policies abroad. Regional and global governance are not assured, and devastating wars have taken a heavy toll in terms of death, poverty and displacement, which feed into the cycle of long-term insecurity. The authors argue that it is important for any conflict to be understood not only in terms of the perpetrators of violence, or of the political and economic reasons behind it, but also in terms of its impact on the civilian population and their security, focusing on conflicts in the Middle East which followed 9/11 and Russia's invasion of Ukraine. The book will be of interest to academics, the public, the media, security agencies and international organisations. It will be useful for undergraduate and postgraduate students of International Relations, International Law, Security, Politics, Policing, Human Rights, Ethics, Peace Studies, Eastern Europe, American Studies and the Middle East. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/middle-eastern-studies

Send us a textCybersecurity expert Bob Kochan from Beyond Identity discusses the evolution of security from network defense to identity-first approaches. He shares insights on how AI is transforming security operations while creating new threat vectors, emphasizing the need for phishing-resistant authentication solutions in today's threat landscape.• Traditional security focused on network layers, but SaaS adoption exposed vulnerable identity systems• Zero Trust architecture must start with device-level security and extend through the entire authentication chain• AI will augment rather than replace security professionals, making systems-thinkers 10x more effective• Government agencies are often driving cybersecurity innovation faster than private industry• Security solutions must prioritize usability or users will inevitably find workarounds• Legacy MFA solutions are insufficient against modern attack methods like phishing and deepfakes• Security should be designed into systems from the start rather than bolted on as "security through configuration"• Nation-state funded threat actors have created their own innovation ecosystem rivaling private sector development• Beyond Identity offers phishing-resistant authentication that eliminates password vulnerabilitiesCheck us out at beyondidentity.com or visit us at our booth at Black Hat this year.00:00 The Entrepreneurial Spirit02:35 Passion and Problem-Solving in Startups05:12 The Evolution of Cybersecurity07:49 AI's Impact on Security10:19 The Role of Engineers in Cybersecurity12:51 AI and the Future of Cybersecurity15:16 Research and AI Tools in Cybersecurity22:05 The Impact of AI on EmploymentDigital Disruption with Geoff Nielson Discover how technology is reshaping our lives and livelihoods.Listen on: Apple Podcasts SpotifySupport the showFollow the Podcast on Social Media! Tesla Referral Code: https://ts.la/joseph675128 YouTube: https://www.youtube.com/@securityunfilteredpodcast Instagram: https://www.instagram.com/secunfpodcast/Twitter: https://twitter.com/SecUnfPodcast

Human Costs of War: 21st Century Human (In)Security from 2003 Iraq to 2022 Ukraine (Taylor & Francis, 2024) documents and analyses the direct and indirect toll that war takes on civilians and their livelihoods, taking a human security approach exploring personal, economic, political and community security in Afghanistan, Iraq and Ukraine, in the contexts of the War on Terror and the New Cold War. The book offers an understanding of war through the recording and comprehension of its civilian casualties and evaluates whether the force used has been proportionate to the threat that prompted it and the concern for human welfare. In the 21st century, the power of the USA has declined, while countries such as China and India become more powerful. The global power balance has been altered in a fundamental way towards a multi-polar world system, with the West no longer able to enforce its policies abroad. Regional and global governance are not assured, and devastating wars have taken a heavy toll in terms of death, poverty and displacement, which feed into the cycle of long-term insecurity. The authors argue that it is important for any conflict to be understood not only in terms of the perpetrators of violence, or of the political and economic reasons behind it, but also in terms of its impact on the civilian population and their security, focusing on conflicts in the Middle East which followed 9/11 and Russia's invasion of Ukraine. The book will be of interest to academics, the public, the media, security agencies and international organisations. It will be useful for undergraduate and postgraduate students of International Relations, International Law, Security, Politics, Policing, Human Rights, Ethics, Peace Studies, Eastern Europe, American Studies and the Middle East. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/world-affairs

Human Costs of War: 21st Century Human (In)Security from 2003 Iraq to 2022 Ukraine (Taylor & Francis, 2024) documents and analyses the direct and indirect toll that war takes on civilians and their livelihoods, taking a human security approach exploring personal, economic, political and community security in Afghanistan, Iraq and Ukraine, in the contexts of the War on Terror and the New Cold War. The book offers an understanding of war through the recording and comprehension of its civilian casualties and evaluates whether the force used has been proportionate to the threat that prompted it and the concern for human welfare. In the 21st century, the power of the USA has declined, while countries such as China and India become more powerful. The global power balance has been altered in a fundamental way towards a multi-polar world system, with the West no longer able to enforce its policies abroad. Regional and global governance are not assured, and devastating wars have taken a heavy toll in terms of death, poverty and displacement, which feed into the cycle of long-term insecurity. The authors argue that it is important for any conflict to be understood not only in terms of the perpetrators of violence, or of the political and economic reasons behind it, but also in terms of its impact on the civilian population and their security, focusing on conflicts in the Middle East which followed 9/11 and Russia's invasion of Ukraine. The book will be of interest to academics, the public, the media, security agencies and international organisations. It will be useful for undergraduate and postgraduate students of International Relations, International Law, Security, Politics, Policing, Human Rights, Ethics, Peace Studies, Eastern Europe, American Studies and the Middle East. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/national-security

Send us a textCheck us out at:  https://www.cisspcybertraining.com/Get access to 360 FREE CISSP Questions:  https://www.cisspcybertraining.com/offers/dzHKVcDB/checkoutGet access to my FREE CISSP Self-Study Essentials Videos:  https://www.cisspcybertraining.com/offers/KzBKKouvA shocking cybersecurity case recently hit the headlines—a 50-year-old IT contractor sentenced to over 8 years in prison for acting as a mule for North Korean hackers. What makes this story particularly alarming? Companies were unknowingly shipping laptops directly to her, providing legitimate access credentials that she then shared with foreign adversaries. This case serves as a powerful reminder of why third-party risk management isn't just a compliance exercise but a critical security function.Diving into CISSP Domain 6.3, we explore the fundamental security processes that could prevent such compromises. User account lifecycle management forms the backbone of organizational security, from proper identity verification during onboarding to the principle of least privilege and role-based access controls. We examine the critical differences between disabling and deleting accounts during deprovisioning, and why service accounts deserve special attention as high-value targets for attackers.Security assessments and audits provide the verification mechanisms needed to ensure your controls are both properly designed and effectively operating. Understanding the distinction between vulnerability assessments, penetration tests, and formal audits helps you build a comprehensive evaluation strategy. We clarify the differences between SOC Type 1 and Type 2 reports when evaluating service providers, and explain why metrics must be measurable, actionable, relevant, timely, and attributional (SMARTA) to drive meaningful security improvements.Perhaps most critically, we address backup verification strategies—because discovering your backups are corrupted during a recovery situation is a career-limiting event. Through practical guidance on security training approaches, enforcement mechanisms, and measurement techniques, this episode provides both CISSP candidates and practicing security professionals with actionable insights to strengthen their security programs. Ready to transform your security posture? Listen now, then visit CISSPCyberTraining.com for more resources to accelerate your cybersecurity journey.Support the showGain exclusive access to 360 FREE CISSP Practice Questions delivered directly to your inbox! Sign up at FreeCISSPQuestions.com and receive 30 expertly crafted practice questions every 15 days for the next 6 months—completely free! Don't miss this valuable opportunity to strengthen your CISSP exam preparation and boost your chances of certification success. Join now and start your journey toward CISSP mastery today!

In this episode, we hear from Joshua McKenzie, Manager, Cyber Governance, Risk and Assurance, Parliament of NSW who explores how government service providers can strike the right balance between compliance, cost-effectiveness, and risk management—without compromising on safety or service delivery. Listeners will gain insights into prioritising tasks through a people-centric lens, applying threat-based risk strategies, and implementing practical, scalable approaches to achieve compliance. Whether you're in operations, policy, or cyber risk, this conversation offers actionable takeaways for building safer, more effective government services. Joshua McKenzie, Manager, Cyber Governance, Risk and Assurance, Parliament of NSW For more great insights head to www.PublicSectorNetwork.co  

In today's BizNews Briefing, Trump secures a last-minute tariff deal with the EU, while President Ramaphosa downplays the Jackson Bill's threat of ANC sanctions. Security expert Brad Steyn says Ramaphosa is trapped by the ANC's secrets. Sakeliga CEO Piet le Roux critiques Cyril's BEE stance, and Wayne Sussman analyses the Patriotic Alliance's by-election win over the DA. Plus, OpenAI's Sam Altman reveals new ChatGPT ambitions.

Res. Brigadier General Yossi Kuperwasser, head of the Jerusalem Institute for Strategy and Security, says that Israel had no option but to implement the new humanitarian steps in Gaza in light of the impression given to the world of the situation in the enclave. Kuperwasser, a former head of the research division in the IDF military intelligence directorate, spoke to KAN reporter Naomi Segal about what the moves could mean for the military operation against Hamas and Gaza ceasefire and hostage release deal efforts. (Photo: Reuters)See omnystudio.com/listener for privacy information.

Send us a textEver fantasized about leaving America's polarized politics for New Zealand's pristine landscapes? Before you pack your bags for Middle Earth, listen to the unfiltered truth from two expats who took the leap without ever visiting first.My husband, Pavel, returns and we chat with our friends Alex and Andy, who each moved to New Zealand, and reveal what actually happens when you trade global chaos for Kiwi calm. Their stories expose surprising realities about life in New Zealand – from the genuine shock of walking out of a hospital without paying a cent to the refreshingly straightforward tax system that eliminates the annual stress of filing returns. The conversation tackles everything from employment security and distinctive Kiwi communication styles to the significant challenges of being a 30+ hour flight away from family emergencies.Beyond the stunning scenery that captured Peter Jackson's imagination lies a functioning democracy where innovative engineering thrives in isolation. The "figure it out" mentality has created a culture that values practical problem-solving over specialization, while also embracing a more relaxed attitude toward perfectionism. Want a perfectly manicured lawn? New Zealanders couldn't care less.But it's not all smooth sailing in this distant paradise. Alex and Andy candidly address the reality of being on "an island at the bottom of the Pacific" – the reduced availability of international products (particularly Mexican food), the higher-than-expected cost of living, and the genuine isolation that comes with this geographic remoteness.Whether you're seriously considering a move abroad or just curious about alternative living arrangements in uncertain times, this episode offers practical insights and unexpected perspectives on finding your place in a country that values calm over chaos and community over culture wars. -------------------------Follow Deep Dive:BlueskyYouTube Email: deepdivewithshawn@gmail.com Music: Majestic Earth - Joystock

Muslin leaders are taking steps to increase security at mosques. AP correspondent Mike Hempen reports.

This week, we're drowning in the genius of our tech overlords as Elon Musk opens his Tesla diner, complete with $17 hotdogs and a blocked apartment view, while his $9 billion Neuralink startup claims it's a "disadvantaged" business. Not to be outdone, SpaceX is mad about other people's space junk, France is criminally probing X for algorithm manipulation, and Meta is giving the EU's AI code of practice a hard pass. Amid warnings the AI bubble is worse than the dot-com implosion, we've seen Replit delete a user's database, ChatGPT hallucinate features into existence, and the FDA's own AI fake medical studies. It's no wonder psychologists are identifying "AI Psychosis" while others hope the ensuing internet slop cures our addiction. Meanwhile, a Denver couple gets indicted for a crypto scam, a Colorado pastor blames God for his failed coin, and Trump signs a stablecoin bill, so that's all fixed now. To top it off, Lyft lets you block drivers and Uber finally lets women riders match with women drivers in the US.In Media Candy, we're turning the nostalgia dial to eleven with "This Is Spinal Tap" in 4K and a look back at 1994's best movies, a time before Spotify started polluting dead artists' pages with AI-generated songs. Netflix is also using generative AI, but we're still watching "Star Trek: Strange New Worlds," "Hacks," "Wednesday," "Superman," "Sunday Best," and "Bookish." For your app fix, you can browse a glorious collection of 90s Geocities backgrounds or let Amazon's new Bee AI wearable listen to your every word, your choice. At the library, we're digging into Michael Palin's "Python Years" diaries. Finally, we pour one out in our closing shout-outs for George Kooymans of Golden Earring, Malcolm-Jamal Warner, Hulk Hogan, and the Prince of Darkness himself, Ozzy Osbourne. What a week.Sponsors:DeleteMe - Head over to JoinDeleteMe.com/GOG and use the code "GOG" for 20% off.Private Internet Access - Go to GOG.Show/vpn and sign up today. For a limited time only, you can get OUR favorite VPN for as little as $2.03 a month.SetApp - With a single monthly subscription you get 240+ apps for your Mac. Go to SetApp and get started today!!!1Password - Get a great deal on the only password manager recommended by Grumpy Old Geeks! gog.show/1passwordShow notes at https://gog.show/706IN THE NEWSTesla's retro-futuristic diner officially opens as Elon Musk hints at more locationsTesla's new diner blocks a neighboring apartment building's viewA $17 Hotdog and a Humanoid Robot Serving Popcorn: WIRED's Day at the Tesla DinerElon Musk-Founded Brain Implant Startup Says It's a ‘Disadvantaged' Business Despite Being Worth $9 BillionFrance launches criminal probe of X's alleged algorithm 'manipulation'SpaceX Has the Nerve to Be Mad About a Competitor's Massive Satellites Littering Earth OrbitMeta says it won't sign the EU's AI code of practiceWhy I'm Betting Against AI Agents in 2025 (Despite Building Them)Replit goes rogue during a code freeze and shutdown and deletes our entire databaseVibe coding service Replit deleted user's production database, faked data, told fibs galoreChatGPT Hallucinated a Feature, Forcing Human Developers to Add It“Call Me A Jerk: Persuading AI to Comply with Objectionable Requests”The Emerging Problem of "AI Psychosis"AI Slop Might Finally Cure Our Internet AddictionFDA's New Drug Approval AI Is Generating Fake Studies: ReportEconomist Warns the AI Bubble Is Worse Than Immediately Before the Dot-Com ImplosionOpenAI Seeks Additional Capital From Investors as Part of Its $40 Billion RoundMicrosoft Sharepoint server vulnerability puts an estimated 10,000 organizations at risk‘I Got You Guys Out of So Much Trouble': Trump Signs Stablecoin Crypto BillDenver Grand Jury Indicts Married Couple in Alleged Multi-Million Dollar Cryptocurrency ScamColorado pastor: "We took God at his word and sold a cryptocurrency with no clear exit"Lyft Will Let Users ‘Favorite' or Block Drivers in Broader Loyalty PushUber is finally letting women riders in the US match with women driversMEDIA CANDYStar Trek: Strange New WorldsHacksNetflix is already using generative AI in its original shows'Wednesday' Is Snapping Back for Season 3 and a SpinoffThis Is Spinal Tap Now Available in 4K Ultra HDIn 2024, More Music Is Released in a Day Than in All of 1989 CombinedBest Movies of 1994Spotify Allowing AI-Generated Songs on Dead Artists' Pages: ReportSupermanSunday BestBookishAPPS & DOODADSAmazon buys Bee AI wearable that listens to everything you sayCollection of 1990s website background tiles from GeocitiesGifCitiesAT THE LIBRARYDiaries 1969–1979: The Python Years (Michael Palin Diaries Book 1)CLOSING SHOUT-OUTSGolden Earring guitarist George Kooymans dead at 77'The Cosby Show' Star Malcolm-Jamal Warner Dead At 54, Accidental DrowningMalcolm & Eddie IntroHulk Hogan Dead at 71Ozzy Osbourne, Godfather of Heavy Metal, Dead at 76See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

#NEWWORLDREPORT:  UNRESOLVED PANAMA SECURITY. LATIN AMERICAN RESEARCH PROFESSOR EVAN ELLIS, U.S. ARMY WAR COLLEGE STRATEGIC STUDIES INSTITUTE. @REVANELLIS #NEWWORLDREPORTELLIS 1945 PANAMA

What lies behind the clashes on the Thai Cambodian border is a fractured friendship between the two nations. In July both countries strike each other with civilians killed and injured in the crossfire. More than a hundred thousand are evacuated. Thailand warns the clashes could escalate to war. In May a brief gunfire exchange killed a Cambodian soldier. Just over two weeks later surprising details from a recorded private phone conversation went public. On that 17-minute call to Cambodia was Thailand's Prime Minister Paetongtarn Shinawatra. It was supposed to defuse the situation - instead it has erupted.Away from the border, there's been public outrage in Thailand, a major prime ministerial setback, fractured friendships, diplomatic ties downgraded and even more political pressure on a far from robust government.Contributors: · Dr Petra Alderman, Centre manager at the Saw Swee Hock Southeast Asia Centre at the London School of Economics and Political Science Dr Thitinan Pongsudhirak, Professor and senior fellow of the Institute of Security and International Studies at Chulalongkorn University Dr Vu Lam, Lecturer at the University of New South Wales Dr Pavida Pananond, Professor of International Business and Strategy at Thammasat University's Business School based in Bangkok Presented by Charmaine Cozier Produced by Daniel Rosney Researched by Evie Yabsley Technical producer Criag Boardman Production co-ordinator Liam Morrey Editor Tara McDermott

“Train up a child in the way he should go; even when he is old he will not depart from it.” - Proverbs 22:6As parents, we often wonder when to begin teaching our kids about money. The simple answer? It's never too early. In fact, a study by Purdue University found that most of our lifelong money habits are formed by the age of seven. That's a sobering realization—but also a hopeful one. Because with intentionality and biblical wisdom, we can help our children become faithful stewards from an early age.Here's how to begin—step by step.Ages 3–5: Needs, Wants, and WorshipEven toddlers can begin to understand the basics of money. Start by teaching the difference between needs and wants. A home, food, and clothing? Those are needs. But that cereal with a cartoon character? That's a want—and a perfect conversation starter.As you shop, ask your child to name which items fall into which category. Then take the opportunity to remind them: God provides all our needs and blesses us with more than we deserve.Begin using the three-jar method—one for spending, one for saving, and one for giving. When your child receives birthday money or a small allowance, help them divide it equally. Let them drop their “giving” portion into the offering plate each week. It's a simple but powerful way to connect generosity with worship.Ages 6–10: Responsibility and Short-Term GoalsAt this stage, kids are ready to take on more responsibility. Assign small chores tied to a modest allowance. If they complete the job, they earn the money. If not, the allowance waits. It's a simple lesson in accountability and work ethic.If they want something beyond their current funds, help them create a short-term savings plan. Use sticker charts or visual trackers to make progress fun and tangible.Give your child a few dollars and let them plan how to spend it on snacks for the week. This is a great way to teach a foundational principle from financial teacher Ron Blue:“You always have more choices than money.”Encourage your child to give regularly to causes they care about. Ask why they want to give—and help them understand how giving reflects God's heart.Ages 11–15: Bigger Goals, Delayed GratificationNow your child may be babysitting, mowing lawns, or doing small jobs for neighbors. It's the perfect time to talk about larger savings goals—maybe a new bike or a camp trip.Consider opening a custodial savings account or using a kid-friendly money app. Walk through monthly statements together and celebrate milestones. Let them make decisions (and occasional mistakes) while you're close by to guide them.If they want to buy something online, encourage them to wait a few days, compare options, and pray before making a purchase. The lesson is clear: patience often leads to better decisions.Ages 16–18: Real-World Practice and Investing BasicsTeenagers who are working part-time jobs are ready for more advanced money management.Help them set up a formal budget with real income and categories for saving, spending, and giving. This is also a good time to introduce matching incentives: If they save $500, you match it, just like an employer's 401(k) might.Let them research a company and buy a fractional share through a custodial brokerage account. If they have earned income, consider opening a Roth IRA to model long-term investing.Remind them: Markets go up and down, but faithful stewardship builds wealth over time.The Ultimate Goal: A Faithful StewardReinforce this truth: Their worth isn't tied to their net worth. All we have is a gift from God to be managed for His glory, not our own.No matter your child's age, the goal remains the same: to raise someone who knows how to earn, manage, give, and grow what God has entrusted to them. You don't have to be a financial expert—you just have to be present and intentional.Keep the conversation going. Keep pointing them to biblical truth. And remember—this isn't just a financial lesson. It's a spiritual one.For more resources on biblical money management and to start budgeting as a family, check out the FaithFi app.On Today's Program, Rob Answers Listener Questions:I'm 58, single, and plan to keep working until I'm 70. I live frugally and want to ensure that my assets are managed wisely and passed on to my four children, especially my youngest. I'm considering setting up a trust, but the $2,000 cost seems steep. Is that the best option for someone like me who wants to ensure everything is protected and appropriately distributed?I'm looking to understand how reverse mortgages work. What kind of interest rates do they typically charge? Do they accrue interest like a traditional mortgage over time? Are there any upfront fees to get started?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Movement MortgageWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Agentic AI has emerged as the leading technological trend according to McKinsey's latest report, with job postings for these roles skyrocketing by nearly 985% between 2023 and 2024. This surge reflects a growing interest in AI systems capable of performing complex tasks autonomously. Alongside this trend, the report highlights the importance of digital trust in cybersecurity, especially as organizations face new challenges from AI-enhanced cyber threats. The divide in attitudes towards AI in the workplace is significant, with non-users, particularly older adults and those in lower-paid jobs, perceiving AI as a threat to their job security, while younger, professional users view it more positively.A recent study from Carnegie Mellon University raises concerns about the reliability of large-language model chatbots, which often become overconfident after providing incorrect answers. This overconfidence can lead to misleading interactions with users, as these AI systems fail to adjust their confidence levels after mistakes. The study involved popular chatbots like OpenAI's ChatGPT and Google's Gemini, revealing that even when these tools perform poorly, they remain unaware of their shortcomings. This issue underscores the need for responsible AI deployment, emphasizing the importance of governance and oversight in AI services.In the realm of cybersecurity, Broadcom's VMware division is facing criticism for restricting access to essential security patches for customers with perpetual licenses who lack active support contracts. This situation raises significant concerns about the vulnerability of systems and the potential for cyberattacks. Despite promises of free access to zero-day security patches, many users report difficulties in obtaining these critical updates, leading to fears of increased risks. VMware's shift to a longer release cycle and extended support durations aims to address customer concerns, but the underlying issue of trust remains critical.The podcast also discusses the manipulative design tactics employed by major platforms to push AI features onto users, labeling this phenomenon as "forced use." This approach raises questions about genuine consumer interest in AI tools, as many are deployed without organic demand. Additionally, the controversial case of the AI coding startup Windsurf highlights the risks associated with equity sharing in the tech industry, as a failed acquisition deal left many employees uncertain about their futures. As the landscape of AI and technology continues to evolve, the need for transparency, trust, and responsible practices becomes increasingly vital. Three things to know today 00:00 Agentic AI on the Rise, but Overconfident Bots and Worker Fears Signal a Trust Crisis05:38 Broadcom's VMware Shift Raises Alarms: Patch Access Locked Behind Subscriptions, Trust Erodes08:36 From Forced Features to Fumbled Equity: The Growing Backlash Against AI Hype and Misaligned Incentives  Supported by: https://getflexpoint.com/msp-radio/  Tell us about a newsletter!https://bit.ly/biztechnewsletter All our Sponsors: https://businessof.tech/sponsors/ Do you want the show on your podcast app or the written versions of the stories? Subscribe to the Business of Tech: https://www.businessof.tech/subscribe/Looking for a link from the stories? The entire script of the show, with links to articles, are posted in each story on https://www.businessof.tech/ Support the show on Patreon: https://patreon.com/mspradio/ Want to be a guest on Business of Tech: Daily 10-Minute IT Services Insights? Send Dave Sobel a message on PodMatch, here: https://www.podmatch.com/hostdetailpreview/businessoftech Want our stuff? Cool Merch? Wear “Why Do We Care?” - Visit https://mspradio.myspreadshop.com Follow us on:LinkedIn: https://www.linkedin.com/company/28908079/YouTube: https://youtube.com/mspradio/Facebook: https://www.facebook.com/mspradionews/Instagram: https://www.instagram.com/mspradio/TikTok: https://www.tiktok.com/@businessoftechBluesky: https://bsky.app/profile/businessof.tech

Connect with Onramp // Onramp Terminal // Eric Balchunas on XThe Last Trade: a weekly, bitcoin-native podcast covering the intersection of bitcoin, tech, & finance on a macro scale. Hosted by Jackson Mikalic, Michael Tanguma, & Brian Cubellis. Join us as we dive into what bitcoin means for how individuals & institutions save, invest, & propagate their purchasing power through time. It's not just another asset...in the digital age, it's The Last Trade that investors will ever need to make.00:00 - Introduction to Eric Balchunas of Bloomberg08:58 - The Evolution of Bitcoin and ETF Coverage16:33 - Understanding Bitcoin: Insights and Misconceptions22:26 - The Correlation Between Knowledge and Investment26:52 - The Future of Bitcoin and ETF Dynamics29:23 - Potential Risks and Black Swan Events35:19 - Trust in Custodians and the Evolution of ETFs41:28 - The Meteoric Rise of Bitcoin ETFs47:53 - The Dichotomy of Traditional Finance and Bitcoin55:27 - The Role of Bitcoin in Modern Portfolios01:06:27 - The Future of Bitcoin as a Currency01:09:40 - Security and Custody in Digital Assets01:13:31 - The Role of ETFs in Bitcoin Adoption01:20:36 - Navigating the Complexities of Bitcoin Custody01:24:49 - Outro and DisclaimerPlease subscribe to Onramp Media channels and sign up for weekly Research & Analysis to get access to the best content in the ecosystem weekly.

Digital payments are becoming the norm, raising the stakes for security and trust. With rising threats from AI-driven fraud and growing pressure for speed and compliance, how can financial institutions close the gap between usage and security confidence? In this episode, experts Simon Horswell and Andy Cease unpack the trust paradox in payments security and explore strategies to secure the future of digital transactions. 

⚡ Collapse Chronicles – Episode: EMP / Solar Event

“We know that our old self was crucified with him in order that the body of sin might be brought to nothing, so that we would no longer be enslaved to sin.” - Romans 6:6Being born again in Christ changes a person. We're given a new nature that fights against our old, corrupt nature. Sometimes, the evidence of this is in the area of finances. Straight ahead—a journey to faithful stewardship.Bobby's TestimonyIt's always a great privilege to connect with people, answer their financial questions, and offer help whenever possible. Recently, we spoke with Bobby from Nebraska, whose story is a powerful testament to the transformative power of faith and determination.Bobby was in a tough spot. He had accumulated significant debt, including a car repossession, delinquent medical and credit card debt, and unpaid overdraft loans sent to collections. However, despite his financial struggles, Bobby was determined to turn his life around. When asked if anything had changed in his life since accumulating that debt, Bobby shared his story.In his own words, Bobby explained, “Back then, I was big into partying and addicted to drugs. I sold drugs and went to prison for it. Well, now I'm clean and sober. I don't do any of that anymore. I actually have money in my bank account. September 10th, 2021, was the biggest start of it. That's when I gave my life to Jesus Christ. And now I'm just trying to get everything back in line and where it needs to be.”Hearing about Bobby's life change since inviting Christ into his life as his Savior was truly inspiring. His commitment to sobriety and financial stewardship is a powerful example of God's redemptive power.Steps Toward Financial FreedomA few weeks ago, we advised Bobby to take several steps to get his finances in order. First, we recommended that he pull copies of his credit reports from Experian, Equifax, and TransUnion to identify all his debts. Then, we suggested he contact Christian Credit Counselors to help manage his credit card debt through a debt management plan, which would consolidate his payments and help him pay off his debt faster.We also offered to connect Bobby with one of our Certified Christian Financial Counselors (CertCFC) at no charge. This counselor would work with him one-on-one to develop a budget and create a plan for paying off his old debts. Finally, we took a moment to pray with Bobby, thanking God for His miraculous intervention and the gift of eternal life that Bobby had received.Biblical Principles Guiding Bobby's TransformationBobby's journey highlights several biblical principles that are now guiding his life:The Body as a Temple: Bobby's decision to give up drugs aligns with 1 Corinthians 6:19, which reminds us that our bodies are temples of the Holy Spirit. Recognizing that we are not our own but belong to God is a powerful motivator for making healthy choices. Humility: Bobby's willingness to seek help, even on a public platform, reflects the humility described in Proverbs 22:4: “The reward for humility and fear of the Lord is riches and honor and life.” Honesty: Bobby's commitment to owning up to his debt is a reflection of the biblical principle of honesty. Exodus 20:16 and Colossians 3:9 teach us the importance of living truthfully, especially as followers of Christ. Repaying Debts: The Bible emphasizes the importance of repaying our debts. Psalm 37:21 says, “The wicked borrows but does not pay back, but the righteous is generous and gives.” Bobby's desire to pay off his debt is a step toward fulfilling this principle. Stewardship: The most significant principle guiding Bobby now is stewardship. He wants to manage his finances faithfully, in line with 1 Corinthians 4:2: “It is required of stewards that they be found faithful.”We were grateful to help Bobby on his journey to faithful stewardship, and we want to extend that same help to you. If you're struggling with your finances, need help creating a budget, or want to develop a plan to pay down debt and start saving, please don't hesitate to reach out to us. We're here to help you take the next step toward financial freedom and faithful stewardship.Bobby's story is a powerful reminder that with God's help, it's never too late to turn your life around and get back on track. If you're ready to take that step, we're here to walk alongside you.On Today's Program, Rob Answers Listener Questions:I'm a 60-year-old single retiree, and honestly, I feel financially illiterate. I have two annuity accounts, but I don't fully understand how they work. Should I stay in them or look at other options? I'd appreciate some guidance on how to manage my limited savings wisely.I'm single and trying to plan ahead to create passive income for my future family. I'm debating between buying a rental property and investing in the stock market. Which of these would be the smarter long-term move?My husband and I are retired and considering a reverse mortgage. What's the best way to approach this, and is there a type of reverse mortgage that will ensure we can stay in our home?I loaned money to my cousin, and they repaid me with an extra $300 in interest. Do I need to report that interest as taxable income on my tax return?Can you explain the difference between a Roth IRA and a traditional IRA? Additionally, can someone who is not employed by a company open a 401(k) account?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Movement MortgageHome Equity and Reverse Mortgages: The Cinderella of the Baby Boomer Retirement by Harlan J. AccolaChristian Credit CounselorsWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

ULA is preparing for its next Vulcan launch in what will be the first official national security mission for the new rocket. A joint venture between Boeing & Lockheed Martin, ULA will conduct several launches for the government and then turn back to its commercial customer Amazon in the fall. ULA CEO joins Morgan Brennan to discuss the latest launch forecast for the company, Amazon Kuiper, and the need for national security in space.

Is compliance just a checkbox, or the backbone of real security? Returning to the show with decades of hard-earned insight, Jeff Man makes the case that compliance, especially PCI-DSS, isn't just a formality; it's foundational to modern security. As one of the original architects of the NSA Red Team and a 20-year PCI veteran, Jeff explains how this often-misunderstood framework has shaped everything from pen testing to vendor accountability. Ron and Jeff unpack the six core goals of PCI, how red teams and SaaS builders are directly affected, and why many security teams resist compliance efforts, despite relying on them to get essential buy-in and funding.   Impactful Moments: 00:00 – Introduction 01:00 – Does compliance equal security? 02:09 – Jeff returns with PCI firepower 03:15 – Defining security vs. compliance 05:33 – “Show me what you're doing” 06:45 – Six goals at PCI's core 10:45 – Security is watching, not reacting 13:30 – Companies secure because they have to 15:00 – PCI gave red teams their jobs 16:30 – Stripe and Square absorb PCI burden 19:30 – PCI 4.0 causes confusion 21:00 – Vendors aren't your trusted advisors 22:30 – “Hate me, but I'll help” Links: Connect with our guest, Jeff Man: https://www.linkedin.com/in/jeffreyeman/ Check out our upcoming events: https://www.hackervalley.com/livestreams Join our creative mastermind and stand out as a cybersecurity professional: https://www.patreon.com/hackervalleystudio Love Hacker Valley Studio? Pick up some swag: https://store.hackervalley.com Continue the conversation by joining our Discord: https://hackervalley.com/discord Become a sponsor of the show to amplify your brand: https://hackervalley.com/work-with-us/

A round-up of the main headlines in Sweden on July 24th, 2025. You can hear more reports on our homepage www.radiosweden.se, or in the app Sveriges Radio. Presenter/producer: Ulla Engberg

Following 7/11, five men were sentenced to death, and seven others give life sentences. The Bombay High Court has now acquitted all, pointing to disturbing evidence the police framed innocents in the case. The botched investigation helped the perpetrators get away with murder

ULA is preparing for its next Vulcan launch in what will be the first official national security mission for the new rocket. A joint venture between Boeing & Lockheed Martin, ULA will conduct several launches for the government and then turn back to its commercial customer Amazon in the fall. ULA CEO joins Morgan Brennan to discuss the latest launch forecast for the company, Amazon Kuiper, and the need for national security in space.

In this episode of Unspoken Security, host AJ Nash speaks with Dr. Peter Garraghan, CEO and CTO of Mindgard. They discuss the real-world security risks of artificial intelligence. Peter starts with a simple point: AI is just software, and software is easy to break. He urges businesses using AI to step back and truly understand its vulnerabilities.Peter draws parallels between the current AI boom and past technology cycles like cloud computing. While AI feels revolutionary, the security risks are not new. Threats like data poisoning and prompt injection are modern versions of classic cybersecurity problems. The danger is that AI's human-like interface makes it easy to anthropomorphize, causing users to overlook fundamental security flaws.To manage these risks, Peter advises companies to treat AI like any other software. This means applying the same rigorous security controls, testing protocols, and incident response playbooks. Instead of creating a separate process for AI, organizations should find the gaps in their current security posture and update them. This practical approach helps businesses secure AI systems effectively.Send us a textSupport the show

A daily update on what's happening in the Rocket Pool community on Discord, Twitter, Reddit, and the DAO forum. #RocketPool #rpl #Ethereum #eth #crypto #cryptocurrency #staking #news Podcast RSS: https://anchor.fm/s/cd29a3d8/podcast/rss Anchor.fm: https://anchor.fm/rocket-fuel Spotify: https://open.spotify.com/show/0Mvta9d2MsKq2u62w8RSoo Apple Podcasts: https://podcasts.apple.com/us/podcast/rocket-fuel/id1655014529 0:00 - Welcome Rocket Pool news0:55 - Security council tests https://discord.com/channels/405159462932971535/405163979141545995/13974374389511619502:55 - Smart Node adds BTCS relay https://twitter.com/Rocket_Pool/status/1948295021712535774 4:40 - Votes end vote.rocketpool.net 6:51 - rETH on Pendle on Base https://x.com/pendle_fi/status/1948352530569933218 8:47 - Phiz's talks Rocket Pool decentralization https://x.com/superphiz/status/1947630024355364884? 11:23 - Sleety teases new Saturn explainer website https://discord.com/channels/405159462932971535/405163713063288832/1397963921268281495 Staking news 12:18 - Big unstaking validators numbershttps://www.validatorqueue.com/ https://x.com/crypto_condom/status/1947750202401796535 https://x.com/tiza4thepeople/status/1947724231631937733 https://x.com/robdogeth/status/1948033585404878957 20:57 - NodeSet to support Commit Boost https://discord.com/channels/968587363536220252/1153574664174579842/1397105007832334407 https://twisty-wednesday-4be.notion.site/Commit-Boost-Reducing-Risks-and-Returning-Autonomy-Over-the-Block-Back-to-Ethereum-s-Validators-0f309f76058e447388381c60550ce67b 21:51 - Client release https://github.com/NethermindEth/nethermind/releases/tag/1.32.3 Ethereum news 22:18 - Post Pectra blobs https://x.com/hildobby/status/1947667969900703976? 26:35 - Bitmine thriving! https://x.com/fundstrat/status/1948351129399546308?s https://en.cryptonomist.ch/2025/07/22/ark-invest-bets-on-ethereum-and-revolutionizes-the-market/ https://x.com/JourneyMacro/status/1947510717416149133 https://x.com/fundstrat/status/1948114342680879306?s 29:25 - SBET's weekly buy details https://x.com/SharpLinkGaming/status/1947649643955032171 32:18 - Seriously, those ETF flows! https://x.com/NateGeraci/status/1948203466016342116 https://x.com/nategeraci/status/1948363118880412118? https://farside.co.uk/eth/ 36:56 - Base is 10x faster! https://x.com/jessepollak/status/1948411158979080248 38:20 - Linea token coming https://x.com/ethereumjoseph/status/1947291741226242555 In other news 39:43 - Banks start crypto relationships https://www.theblock.co/amp/post/363836/pnc-deal-coinbase-crypto-bank-customers40:59 - Coinwatch Track https://x.com/coinwatchdotco/status/1947326598245441696 42:52 - Roman Storm case https://x.com/theragetech/status/1947342132559184382 https://x.com/cryptonator1337/status/1947378245957259653? https://vxtwitter.com/L0laL33tz/status/1948005498252378553

Microsoft Updates SharePoint Vulnerability Guidance CVE-2025-53770 and CVE-2025-53771 Microsoft released its update for SharePoint 2016, completing the updates across all currently supported versions. https://msrc.microsoft.com/blog/2025/07/customer-guidance-for-sharepoint-vulnerability-cve-2025-53770/ WinZip MotW Privacy Starting with version 7.10, WinZip introduced an option to no longer include the download URL in zip files as part of the Mark of the Web (MotW). https://isc.sans.edu/diary/WinRAR%20MoTW%20Propagation%20Privacy/32130 Interlock Ransomware Several government agencies collaborated to create an informative and comprehensive overview of the Interlock ransomware. Just like prior writeups, this writeup is very informative, including many technical details useful to detect and block this ransomware. https://www.cisa.gov/news-events/cybersecurity-advisories/aa25-203a Sophos Firewall Updates Sophos patched five different vulnerabilities in its firewalls. Two of them are critical, but these only affect a small percentage of users. https://www.sophos.com/en-us/security-advisories/sophos-sa-20250721-sfos-rce

What happens when an overlooked asset becomes essential? Artem Milinchuk returns to share how farmland, long seen as niche... is quietly stepping into the center of long-term portfolios. He and Niels discuss what's changed since 2020: rising inflation, tighter capital, a demographic handoff reshaping land ownership, and how tech is altering both the economics and culture of agriculture. This isn't about chasing yield. It's about owning what endures. From almonds to avocados, tariffs to treasuries, and legacy to liquidity, this episode offers a clear-eyed look at an asset class rooted in necessity, and poised for relevance.-----50 YEARS OF TREND FOLLOWING BOOK AND BEHIND-THE-SCENES VIDEO FOR ACCREDITED INVESTORS - CLICK HERE-----Follow Niels on Twitter, LinkedIn, YouTube or via the TTU website.IT's TRUE ? – most CIO's read 50+ books each year – get your FREE copy of the Ultimate Guide to the Best Investment Books ever written here.And you can get a free copy of my latest book “Ten Reasons to Add Trend Following to Your Portfolio” here.Learn more about the Trend Barometer here.Send your questions to info@toptradersunplugged.comAnd please share this episode with a like-minded friend and leave an honest Rating & Review on iTunes or Spotify so more people can discover the podcast.Follow Artem on X.Check out these resources about farmland investingEpisode Timestamps:02:24 - A recap on our previous conversation06:22 - What has changed about their strategy since our last conversation (in 2020)?10:28 - How does farmland investing actually generate income?12:32 - How does farmland investing work and operate?15:28 - Geopolitical volatility - How FarmTogether deals with tariffs19:00 - How different types of crops carries different types of risk23:22 - A deep dive into the volatility behind farmland investing27:40 - What is a fair level of volatility to expect from farmland investing?30:49 - The tech side of agriculture - where are we heading?33:58 - Major changes in...

What if the key to global access to high-quality education isn't policy reform or private investment, but open source software? In this episode of Tech Talks Daily, I sit down with Scott Anderberg, CEO of Moodle, to explore how one of the world's most widely used learning platforms is quietly transforming education in ways that extend far beyond the classroom. Scott's journey is anything but linear. From helpdesk support in Denver to leading online education efforts across the US, UK, and Australia, his international experience has shaped a clear mission: to make education more accessible, more inclusive, and more creative. His role at Moodle aligns perfectly with that goal. We discuss what open source really means in the context of education and why it continues to be misunderstood. Scott explains how Moodle's global community of developers and educators contributes everything from security-tested code to deeply localised customisations that enable learning to happen anywhere, even in places without electricity. Projects like MoodleBox and the Inventorium for at-risk students in Australia reveal the power of local innovation when built on flexible, open platforms. Scott also outlines Moodle's measured approach to AI, focusing on what delivers actual value. Rather than embedding generative tools for novelty, they've released an AI subsystem that allows the community to experiment and share what works. This model not only encourages innovation but also respects the diverse regulatory, cultural, and economic environments their users operate within. Throughout the conversation, we explore the myths that often discourage adoption of open source solutions. Security, support, and scalability are frequently raised, but Scott shows how Moodle's global ecosystem consistently challenges those assumptions. Innovation doesn't have to be proprietary or top-down. In fact, when communities co-create solutions, the results are often more resilient and more relevant. We close with a powerful reflection on the importance of diversity in both tech and education. While some organisations are becoming hesitant to talk about inclusion, Scott argues that now is the time to stand firm. Education is about connection, and you cannot truly connect people if only a narrow group is included in the conversation. Open platforms like Moodle make it possible to include everyone, not just in theory but in practice. So can open source help us rebuild education in a way that is genuinely inclusive and globally relevant? Or are there still barriers that need to be broken? I'd love to hear your thoughts. What role should open platforms play in shaping the next chapter of learning?

Are you ready to get Security+ certified? Watch our free training course:In this month's Security+ Study Group, you'll learn about: The benefits of NetFlowThe danger of redirected websitesMore cloud infrastructures and uptimeWorking with DKIMAnd moreKeep the study process going! Watch additional Security+ Study Group video replays on the Professor Messer website.

It's open Q&A on the Security+ After Show!

Bypassing all passkey protections. The ransomware attacks just keep on coming. Cloudflare capitulates to the MPA and starts blocking. The need for online age verification is exploding. Microsoft really wants Exchange Servers to subscribe. Russia (further) clamps down on Internet usage. The global trend toward more Internet restrictions. China can inspect locked Android phones. Use a burner. Web shells are the new buffer overflow. An age verification protocol sketch. What Cloudflare did to create an outage of 1.1.1.1 Show Notes - https://www.grc.com/sn/SN-1035-Notes.pdf Hosts: Steve Gibson and Leo Laporte Download or subscribe to Security Now at https://twit.tv/shows/security-now. You can submit a question to Security Now at the GRC Feedback Page. For 16kbps versions, transcripts, and notes (including fixes), visit Steve's site: grc.com, also the home of the best disk maintenance and recovery utility ever written Spinrite 6. Join Club TWiT for Ad-Free Podcasts! Support what you love and get ad-free shows, a members-only Discord, and behind-the-scenes access. Join today: https://twit.tv/clubtwit Sponsors: zscaler.com/security 1password.com/securitynow go.acronis.com/twit

Chris Love, co-author of the book Core Kubernetes, joins host Robert Blumen for a conversation about kubernetes security. Chris identifies the node layer, secrets management, the network layer, contains, and pods as the most critical areas to be addressed. The conversation explores a range of topics, including when to accept defaults and when to override; differences between self-managed clusters and cloud-service provider-managed clusters; and what can go wrong at each layer -- and how to address these issues. They further discuss managing the node layer; network security best practices; kubernetes secrets and integration with cloud-service provider secrets; container security; pod security, and Chris offers his views on policy-as-code frameworks and scanners. Brought to you by IEEE Computer Society and IEEE Software magazine.

Bypassing all passkey protections. The ransomware attacks just keep on coming. Cloudflare capitulates to the MPA and starts blocking. The need for online age verification is exploding. Microsoft really wants Exchange Servers to subscribe. Russia (further) clamps down on Internet usage. The global trend toward more Internet restrictions. China can inspect locked Android phones. Use a burner. Web shells are the new buffer overflow. An age verification protocol sketch. What Cloudflare did to create an outage of 1.1.1.1 Show Notes - https://www.grc.com/sn/SN-1035-Notes.pdf Hosts: Steve Gibson and Leo Laporte Download or subscribe to Security Now at https://twit.tv/shows/security-now. You can submit a question to Security Now at the GRC Feedback Page. For 16kbps versions, transcripts, and notes (including fixes), visit Steve's site: grc.com, also the home of the best disk maintenance and recovery utility ever written Spinrite 6. Join Club TWiT for Ad-Free Podcasts! Support what you love and get ad-free shows, a members-only Discord, and behind-the-scenes access. Join today: https://twit.tv/clubtwit Sponsors: zscaler.com/security 1password.com/securitynow go.acronis.com/twit

“Blessed are the poor in spirit, for theirs is the kingdom of heaven.” — Matthew 5:3In the final episode of our Financial Ethics series, we're tackling a message that promises health and wealth—but often leads to heartache: the prosperity gospel. Dr. David W. Jones joins us to unpack its dangers and point us back to a truly biblical view of blessing and provision.Dr. David W. Jones is Senior Professor of Christian Ethics at Southeastern Baptist Theological Seminary. He holds a Ph.D. in Christian Financial Ethics and is the co-author of Health, Wealth, and Happiness: How the Prosperity Gospel Overshadows the Gospel of Christ by Dr. W. Jones and Russell S. Woodbridge.Faith Is Not a TransactionOne of the most dangerous ideas in the prosperity gospel is that faith guarantees financial prosperity. It treats faith like a force—a tool believers can wield to compel God's blessings.But biblical faith isn't self-generated or transactional. It is a gift from God, a response to His revealed grace, and a means by which we trust Him, not a lever to gain wealth. Faith is “the eyesight of the soul”—deeply rational and rooted in the truth of who God is, not in wishful thinking or material expectations.Prosperity theology often preaches a “faith formula”: believe hard enough, and you'll be rewarded. But this distorts faith into a mechanism for personal gain. Hebrews 11:1 tells us that faith is “the substance of things hoped for, the evidence of things not seen.” It's not irrational optimism—it's a reasoned trust in the unseen promises of God.We should view faith not as a way to escape hardship or secure abundance but as a path of trusting God in all things, including suffering.The Problem with Escaping SufferingOne hallmark of the prosperity gospel is its aversion to suffering. But as Jones points out, suffering is part of living in a fallen world—and it's not something Scripture tells us to avoid at all costs. In fact, passages like 1 Peter 4:12 and 2 Timothy 3:12 remind us that suffering is to be expected for faithful followers of Christ.Rather than hinder our faith, suffering refines it. Suffering is the crucible of character. It's often through trials that we grow closest to Christ and are shaped into His likeness.God's Provision Comes Through WorkAnother distortion in prosperity teaching is the expectation of windfalls—blessings that come without effort. But God's design for provision is through work. From the beginning, humans were created to labor and create, reflecting the image of God.Working, creating, and flourishing through effort honors our design and brings fulfillment. Attempts to bypass God's design through get-rich-quick schemes ultimately violate our dignity and God's intended path for flourishing.Prosperity preachers often misuse Scripture to back their claims. One example is 2 Corinthians 8:9: “That though He was rich, yet for your sakes He became poor, that you through His poverty might become rich.”Taken out of context, it may sound like a promise of material wealth. But in its context, Paul is referring to our spiritual poverty and Christ's sacrifice to make us spiritually rich—context matters. Misreading Scripture to fit a materialistic theology distorts the gospel's central message.Giving as Grace, Not GreedProsperity theology often frames giving as a transaction: sow a seed to receive a harvest. But biblical generosity isn't about personal return—it's about grace.True giving flows from love for God and neighbor. We give not to get, but because we've already received so much. Our stewardship reflects our gratitude, not our greed. The heart of biblical giving is a response to God's grace, not a strategy for personal gain.Make your life about Christ, not your increase, not your own prosperity, but about flourishing in the image of His Son.That's the true antidote to the prosperity gospel. We aren't promised wealth, ease, or success. But we are promised Christ—and in Him, we find every blessing that matters.On Today's Program, Rob Answers Listener Questions:I'm 64 and planning to retire within the next year. I have approximately $10,000 that I won't need for income, and I'm seeking guidance on how to invest it wisely. I'm especially interested in options that align with biblical values and reflect my faith in the companies I support.My wife and I are approaching retirement. We're financially secure, and our home is fully paid off. One concern I have is not having long-term care insurance. I'm considering either a reverse mortgage or a home equity loan to cover potential long-term care expenses, but I'd like to understand the pros and cons of each option before moving forward.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Health, Wealth, and Happiness: How the Prosperity Gospel Overshadows the Gospel of Christ by Dr. David W. Jones and Dr. Russell S. WoodbridgeUnderstanding Reverse: Simplifying the Reverse Mortgage by Dan HultquistWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Microsoft Released Patches for SharePoint Vulnerability CVE-2025-53770 CVE-2025-53771 Microsoft released a patch for the currently exploited SharePoint vulnerability. It also added a second CVE number identifying the authentication bypass vulnerability. https://msrc.microsoft.com/blog/2025/07/customer-guidance-for-sharepoint-vulnerability-cve-2025-53770/ How Quickly Are Systems Patched? Jan took Shodan data to check how quickly recent vulnerabilities were patched. The quick answer: Not fast enough. https://isc.sans.edu/diary/How%20quickly%20do%20we%20patch%3F%20A%20quick%20look%20from%20the%20global%20viewpoint/32126 HP Enterprise Instant On Access Points Vulnerability HPE patched two vulnerabilities in its Instant On access points (aka Aruba). One allows for authentication bypass, while the second one enables arbitrary code execution as admin. https://support.hpe.com/hpesc/public/docDisplay?docId=hpesbnw04894en_us Revealing the AppLocker Bypass Risks in The Suggested Block-list Policy AppLocker sample policies suffer from a simple bug that may enable some rule bypass, but only if signatures are not enforced. While reviewing Microsoft s suggested configuration, Varonis Threat Labs noticed a subtle but important issue: the MaximumFileVersion field was set to 65355 instead of the expected 65535. https://www.varonis.com/blog/applocker-bypass-risks Ghost Crypt Malware Leverages Zoho WorkDrive The Ghost malware tricks users into downloading by sending links to Zoho WorkDrive locations. https://www.esentire.com/blog/ghost-crypt-powers-purerat-with-hypnosis