Podcasts about security exchange commission

In an exclusive interview with Dr Steven Rogelberg, Chancellor's Professor at UNC Charlotte and acclaimed author of 'Glad We Met: The Art and Science of 1:1 Meetings,' discover the profound impact of 1:1 meetings in today's evolving workplace landscape. Dr Rogelberg delves into the misconceptions surrounding meetings, the transformative potential of genuine connections, and strategies to ensure virtual interactions are as effective as in-person ones. Gain valuable insights into tailoring meetings to diverse personalities, fostering psychological safety, and harnessing the power of regular, employee-focused interactions. Explore how investing in meaningful dialogue can elevate individual, team, and organizational success. 00:41- About Dr Steven Rogelberg Steven is the Chancellor's professor at UNC Charlotte. Adam Grant has called Steven the world's leading expert on how to fix meetings.  Dr. Rogelberg's previous book ‘The Surprising Science of Meetings: How You Can Lead Your Team to Peak Performance,' has been on over 25 Best of lists including being recognized by the Washington Post as the number one leadership book to watch.  His second book, ‘Glad We Met: The Art and Science of 1:1 Meetings' came out in January and is already receiving tremendous praise, including a SHRM top 12 workplace books recognition.  His keynotes on meetings spanned the globe and occurred at the world's leading organizations including but not limited to Google, Facebook, Amazon, Pfizer, Cisco Bank of America, PayPal, Dell, the United Nations three M brand, the Security Exchange Commission, Corning Siemens, London Stock Exchange, DIA and Warner Brothers. --- Support this podcast: https://podcasters.spotify.com/pod/show/tbcy/support

Join us on April 3@ 6pm EST for an exciting conversation with world-renowned organizational psychologist and author, Dr. Steven G. Rogelberg, to discuss his new book, Glad We Met: The Art and Science of 1:1 Meetings. Dr. Rogelberg holds the title of Chancellor's Professor at UNC Charlotte for distinguished national, international and interdisciplinary contributions. He is an award-winning teacher, has over 200 publications, been cited well-over 10,000 times in the academic literature, and was recipient of the very prestigious Humboldt Award for his research on meetings. Adam Grant has called Steven the “worlds leading expert on how to fix meetings”. He has been interviewed or featured on major TV broadcasts (e.g.  CBS This Morning, multiple times on CNN, BBC World), radio (e.g., NPR's Morning Edition), leading podcasts, and in most major newspapers and magazines. His keynotes on meetings span the globe and occur at the world's leading organizations including but not limited to Google, Facebook, Amazon, Pfizer, Cisco, Bank of America, PayPal, Dell, The United Nations, 3M, RAND, The Security Exchange Commission, Corning, Siemens, London Stock Exchange, TIAA, and Warner Brothers. He was the inaugural winner of the Society for Industrial and Organizational Psychology (SIOP) Humanitarian Award and just finished his term as President of SIOP, the largest professional organization in the world for organizational psychology.

20th March- Crypto & Coffee at 8 

05th March : Crypto & Coffee at 8

The U.S. Security Exchange Commission defined new rules for cyber risk matters facing publicly traded corporations in July of 2023.  Although the SEC's mandate is limited to publicly traded companies in the United States, where one regulator goes others are apt to follow.  Brian Allen is the co-author of a brand new book putting form, structure and traceability around the SEC mandated requirement for a Cyber Risk Management Program.   Mr. Allen was on of the original creators and advocates of the ESRM framework first published in 2013, and has been practicing security risk management throughout his career. Caffeinated Risk is very please to bring a very candid conversation with a true thought leader in the risk management field to our ever growing family of listeners. 

Today's West Coast Cookbook & Speakeasy Podcast for our especially special Daily Special, River City Hash Mondays is now available on the Spreaker Player!Starting off in the Bistro Cafe, the Supreme Court's ruling on the Security Exchange Commission case could ‘upend government as we know it.'Then, on the rest of the menu, even though DeSantis' lawyers admitted his personally-drawn gerrymander map violated the state constitution by diminishing Black votes, the Florida First District Court of Appeal ruled it's all good, he had to; a Wisconsin man plead guilty to firebombing the office of a prominent anti-abortion group last year; and, a Barbie doll honoring Cherokee Nation leader Wilma Mankiller is met with mixed emotions.After the break, we move to the Chef's Table where Vice President Kamala Harris engaged in a speed round of diplomatic talks with Arab leaders while also negotiating at the COP28; and, a former American diplomat who served as US ambassador to Bolivia has been arrested in a long-running FBI counterintelligence investigation, accused of being a secret agent for Cuba.All that and more, on West Coast Cookbook & Speakeasy with Chef de Cuisine Justice Putnam.Bon Appétit!The Netroots Radio Live Player​Keep Your Resistance Radio Beaming 24/7/365!"I was never a spy. I was with the OSS organization. We had a number of women, but we were all office help."-- Julia Child

David Bahnsen joins The Dr J Show, ep. 199, to talk about how the woke mob conquered the corporate board room in America and what we can do about it. Join us on censorship free locals: TheRuthInstitute.Locals.com David L. Bahnsen is the founder, Managing Partner, and Chief Investment Officer of The Bahnsen Group, a national private wealth management firm with offices in Newport Beach, New York City, Bend, Nashville, Minneapolis, and Austin, managing over $4 billion in client assets. David is consistently named one of the top financial advisors in America by Barron's, Forbes, and the Financial Times. He is a frequent guest on Fox News, Fox Business, CNBC, and Bloomberg and is a regular contributor to National Review and World. He appears weekly on The World and Everything in It discussing the week's economic and market news. David is a founding Trustee for Pacifica Christian High School of Orange County and serves on the Board of Directors for the National Review Institute in New York City. He is the Senior Fellow of Economics for the Center for Cultural Leadership, and a long-time faculty member for both the Acton Institute and the Blackstone Fellowship of the Alliance Defending Freedom. David is passionate about the integration of faith and economics and has lectured and written for years about a theology of wealth and the marketplace. He responds to the term, “Kuyperian,” is deeply appreciative of Tim Keller and Father Robert Sirico, and has read more systematic theology than any human should ever read. His late father, Dr. Greg Bahnsen, was a renowned Christian apologist and is David's personal hero and mentor. He is the author of several best-selling books including Crisis of Responsibility: Our Cultural Addiction to Blame and How You Can Cure It (2018), and The Case for Dividend Growth: Investing in a Post-Crisis World (2019). His newest book, There's No Free Lunch: 250 Economic Truths, was released in November 2021. His ultimate passions are his wife of 20+ years, Joleen, their children, sons Mitchell and Graham, and daughter Sadie, and the life they've created together on both coasts. David's Report on Ensuring Respect for Civil Liberties to JP Morgan: https://storage.googleapis.com/vds_storage/document/JPMorgan%20Chase%20Proposal%20-%20Bahnsen%20-%20Revised%2012-26-22.pdf David's Wall Street Journal op-ed: https://www.wsj.com/articles/my-bid-to-make-jpmorgan-less-woke-progressive-discrimination- conservatives-christians-shareholders-sec-banking-finances-583c7999?mod=Searchresults_pos1 &page=1 WSJ article on accusations of anti-Christian discrimination at JP Morgan: https://www.wsj.com/articles/jpmorgan-targeted-by-republican-states-over-accusations-of-re ligious-bias-903c8b26?mod=Searchresults_pos1&page=1 JP Morgan loses Security Exchange Commission challenge: https://adfmedia.org/press-release/jpmorgan-chase-loses-sec-challenge-must-allow-sharehold ers-consider-viewpoint Bahnsen podcast, The World and Everything In It: https://wng.org/podcasts/the-world-and-everything-in-it-february-6-2023-1675654664 The Bahnsen Group investment website: https://thebahnsengroup.com/ "Faith-Driven Investor" Jerry Bowyer: https://www.faithdriveninvestor.org/bios/jerry-bowyer Center for Faith and Work (Tim Keller): faithandwork.org and facebook.com/RedeemerCFW Viewpoint Diversity Score Business Index: https://www.viewpointdiversityscore.org/ Sign up for our weekly newsletter here: ruthinstitute.org/newsletter +

24th July: Crypto & Coffee at 8

04th July: Crypto & Coffee at 8

29th June: Crypto & Coffee at 8

Our guest in this episode is Shea Cunningham. I met Shea on LinkedIn way back in July 2022. We recorded our time together in early February 2023 and both commiserated about the cold Southern California weather. She is an extremely busy, productive, and visionary woman. Currently, among other jobs, she is the director of Sustainability at ASGN. She will tell us all about ASGN and other organizations with which she works and has worked. Shea studied and majored in International Relations and minored in Latin American Studies at San Francisco State University. Through an internship, she received the opportunity to work in Thailand for two years working on a number of international-related issues. As she says, that wasn't a part of her plan for herself, but “it was a wonderful opportunity”. After Thailand, she went to UCLA's School of Public Policy where she obtained her master's degree in urban planning with an emphasis on Sustainability. Shea will tell us a lot about the subject of “Sustainability” and why it is so important. She uses her life story to discuss how she got so involved in addressing sustainability issues and will show you why it can be an important subject for all of us to ponder and address. About the Guest: Shea Cunningham (she/her) is the Director of Sustainability of ASGN Incorporated. She is a sustainability planning and ESG strategy expert with over twenty years of consulting experience across multiple industry sectors, from the community to international levels. Ms. Cunningham established several sustainability-focused organizations including the Balanced Approach, Focus on the Global South (Bangkok, Thailand), the Culver City Sustainable Business Certification Program, and the US Department of Education Green Ribbon Award-wining sustainability program for the Culver City Unified School District. Ms. Cunningham was also an analyst for the Organization of Economic Cooperation and Development (Paris, France), and a consultant for Sony Pictures, Athens Services and the Malibu Foundation, amongst numerous other businesses, municipalities, and academic institutions. She is the lead author of “Our Climate Crisis: A Guide for SoCal Communities in the Wildland Urban Interface,” and co-author of many other articles, reports and books. In 2021, Shea was awarded the Women in Business Leadership Visionary Award from the Culver City Chamber of Commerce. She holds an MA in Urban and Regional Planning from the UCLA School of Public Policy and is a LEED Green Associate. Shea's recommended links on climate change: The Nature Conservancy's Chief Scientist (and evangelical Christian) Katharine Hayhoe's Ted Talk Katharine Hayhoe's article How to Talk About Climate Change across the Political Divide in the New Yorker A Washington Post article on the US Army's Climate Strategy Methodist Church's Resolution on a Response to Climate Change 1% for the Planet's 10 Viable solutions to climate change Article from NASA on Scientific Consensus on Climate Change http://www.newclimatevoices.org/ About the Host: Michael Hingson is a New York Times best-selling author, international lecturer, and Chief Vision Officer for accessiBe. Michael, blind since birth, survived the 9/11 attacks with the help of his guide dog Roselle. This story is the subject of his best-selling book, Thunder Dog. Michael gives over 100 presentations around the world each year speaking to influential groups such as Exxon Mobile, AT&T, Federal Express, Scripps College, Rutgers University, Children's Hospital, and the American Red Cross just to name a few. He is Ambassador for the National Braille Literacy Campaign for the National Federation of the Blind and also serves as Ambassador for the American Humane Association's 2012 Hero Dog Awards. https://michaelhingson.com https://www.facebook.com/michael.hingson.author.speaker/ https://twitter.com/mhingson https://www.youtube.com/user/mhingson https://www.linkedin.com/in/michaelhingson/ accessiBe Links https://accessibe.com/ https://www.youtube.com/c/accessiBe https://www.linkedin.com/company/accessibe/mycompany/ https://www.facebook.com/accessibe/ Thanks for listening! Thanks so much for listening to our podcast! If you enjoyed this episode and think that others could benefit from listening, please share it using the social media buttons on this page. Do you have some feedback or questions about this episode? Leave a comment in the section below! Subscribe to the podcast If you would like to get automatic updates of new podcast episodes, you can subscribe to the podcast on Apple Podcasts or Stitcher. You can also subscribe in your favorite podcast app. Leave us an Apple Podcasts review Ratings and reviews from our listeners are extremely valuable to us and greatly appreciated. They help our podcast rank higher on Apple Podcasts, which exposes our show to more awesome listeners like you. If you have a minute, please leave an honest review on Apple Podcasts. Transcription Notes Michael Hingson  00:00 Access Cast and accessiBe Initiative presents Unstoppable Mindset. The podcast where inclusion, diversity and the unexpected meet. Hi, I'm Michael Hingson, Chief Vision Officer for accessiBe and the author of the number one New York Times bestselling book, Thunder dog, the story of a blind man, his guide dog and the triumph of trust. Thanks for joining me on my podcast as we explore our own blinding fears of inclusion unacceptance and our resistance to change. We will discover the idea that no matter the situation, or the people we encounter, our own fears, and prejudices often are our strongest barriers to moving forward. The unstoppable mindset podcast is sponsored by accessiBe, that's a c c e s s i  capital B e. Visit www.accessibe.com to learn how you can make your website accessible for persons with disabilities. And to help make the internet fully inclusive by the year 2025. Glad you dropped by we're happy to meet you and to have you here with us.   Michael Hingson  01:20 Well, hi, and yes, we are here once again for another episode of unstoppable mindset. Shea Cunningham is a sustainability expert with over 20 years of experience, and we're going to talk about that she works for a company now. For the company she works for is ASGN. She's the director of sustainability and we're going to have to talk about that and see what all that means. But first, che thanks for being here. And welcome to unstoppable mindset.   Shea Cunningham  01:52 Thank you so much, Michael. I'm really happy to be here with you.   Michael Hingson  01:56 Well, we're we're excited now, where are you located?   Shea Cunningham  02:00 I am in Culver City, which is basically, yeah, it's LA County, West LA adjacent to Santa Monica. That sort of area.   Michael Hingson  02:10 So from up here in Victorville. I could just kind of Chuck a rock down the past and maybe it would find you and pound on your window.   Shea Cunningham  02:18 Yeah, we're not too far apart. That's right.   Michael Hingson  02:20 And we have reasonably decent weather.   Shea Cunningham  02:24 Yeah, today is gorgeous. I actually just took a bike ride i just i That's one of my passions is bike riding road road biking. So it was a lovely, lovely day this morning.   Michael Hingson  02:36 Much better place to do within going and trying to do it in Oh, Buffalo, New York.   Shea Cunningham  02:42 That is true. Yes. I have some friends in Chicago right now. There. Yeah, it's like four degrees. So yeah, I'm very grateful.   Michael Hingson  02:50 Yeah, not quite this pleasant is here. It was 31 degrees this morning when I got up in Victorville. And like yesterday, I think it was or Wednesday, it was down to 22. So but we're a little bit up in the mountains, we're in the high desert. So we get a little bit more of the cold weather, but not nearly as much as the precipitation. As you all saw down there. The the water doesn't tend to drop in Victorville very much. We're in a valley. So clouds have to go up over mountains and other things. So by the time it gets here, it loses a lot of its moisture.   Shea Cunningham  03:24 So you didn't get to experience the atmospheric rivers that we were having around my area, then.   Michael Hingson  03:30 Not so much. I think we maybe got three quarters of an inch of rain, but that was about all.   Shea Cunningham  03:35 Yes, that's good. Because yeah, there was quite destructive not in my community, but around around the larger region.   Michael Hingson  03:44 So yeah, well, I I know, right now, they're saying we have in the Sierras, what about 250% of the normal snowfall for this time here? And it's just going to be a question of how soon it melts. And hopefully it won't too quickly.   Shea Cunningham  03:59 Correct. Yeah. And yeah, it's been hasn't rained this much and produce this much snowpack for over a decade. So it's it's definitely welcomed. But I know, we're also not capturing as much as we need to. And then because our infrastructure is still inadequate. So I'm hoping I'm optimistically hopeful, then that there will be our cautiously optimistic that that there's going to be progress in that regard.   Michael Hingson  04:27 Oh, I hope so. Well, I want to get to a lot of the things that you do and so on, but I'd like to start by you telling us kind of your your roots where you came from going to school and all that and what you what you studied and learned and anything else like that that you want to tell us about the earlier che   Shea Cunningham  04:45 Okay, sure. Well, I I got well, actually, before I went to graduate school, I was at San Francisco State University where I studied international relations and I minored in Latin American Studies, and I had the great fortune too, to actually be my my internship and end my undergrad program basically turned into a real job, I was the research assistant to the executive director. And I got the opportunity opportunity to actually live and work in Bangkok, Thailand for a couple of years, which is not obviously not Latin America was not really on my, my, the planned path that I had. But it was a fantastic experience, I helped to build a sort of a think tank at Chulalongkorn University focused on looking at the impacts of Trade and Development on communities, economies, and the environment. So I basically started working in the sustainability world, before the buzzword sustainability kind of came into the picture. And I was working at the Institute for Food and development policy in San Francisco as well. And then I went to graduate school, at UCLA in the School of Public Policy and got my master's degree in urban and regional planning with a focus on sustainability. And, and I have always been sort of a nature lover at heart, like as a young girl, I was already like, I would be upsetting to see trash on the ground. And, you know, I just I very much have always loved to camp and hike and be in the ocean, that sort of thing. So I'm sort of naturally, you know, became a sustainability. Professional   Michael Hingson  06:36 Chulalongkorn University, is that an outgrowth of the king? And I?   Shea Cunningham  06:41 Well, it is actually the oldest university in, in Bangkok, the very first university ever built right in the center of the city. And it is it is basically named after the king. Yes.   Michael Hingson  06:56 Cool. Well, that I've heard of it before never had a chance to ask the question. But it, it is certainly something that comes to mind. So that's pretty cool. But you spend time there. Well, you you in undergraduate work, you did Latin American Studies and so on. Growing up what got you interested in that, that you decided to go to college and study that?   Shea Cunningham  07:19 That's a good question. Well, I definitely had always, we I had gone with my parents a few times to Mexico for holidays, and, you know, sort of summer vacations. And, and I really was always very curious about learning Spanish, because I wanted to be able to understand what people were saying. And I also had friends who were actually farmworker families in grade school. And so I was just always fascinated with learning Spanish, because that was the second language that I heard in my, in my young life. So and I also just started to really pay attention to the disparities in wealth between my family and the other families, that farmworker families as well as obviously, in Mexico, in some of the places that we stay, we know we'd stay in a resort, and then we'd go into town and was very obvious that there was a lot of poverty. And that was upsetting to me. So that's something that I wanted to sort of learn more about, and see how I could be somehow, you know, improve the situation to, you know, in my own way. So that's kind of where I came into this is because as I mentioned, sustainability is not just about the environment, it's also about the social aspects, social well being as well as, as the economics.   Michael Hingson  08:43 And I would assume that at least to a degree, your parents encouraged the concept and the the idea of those kinds of studies.   Shea Cunningham  08:51 You know, I was kind of like a free range kid, quite frankly. My dad, I live in my parents, sadly divorced at a young age and my I ended up living with my dad and my brother, and you know, so he was kind of like, Mr. Mom. And, and so, you know, he was kind of hands off and my mom as well. So I just sort of just kind of created my own path. And they've always been supportive. Both of them have always been supportive with everything I've chosen to do.   Michael Hingson  09:23 It is so good to have parents who are supportive, no matter what the circumstances like that. It's great that they were what did they do for work?   Shea Cunningham  09:32 Well, I am actually the first person in my family to get a master's degree. And so my mom, she is she actually is an amazing interior designer. She doesn't she's never really done it for money. But she's like, jaw dropping capabilities in that, in that regard. She also got a real estate license and she was As a realtor for quite some time, and my father, he did go and got he got his a degree and then ended up, you know, back in the day when it was not that unusual for people in their early 20s To get married and have babies. That's what they did back in the day. And so he did not enough finished college. And but he did. I'm very proud of him. He started in the mailroom at IBM, and worked his way up to regional manager over the years.   Michael Hingson  10:28 Wow. And that's a pretty good feat. It company like IBM to do that.   Shea Cunningham  10:34 I think so, too. He did. Yeah. He's a smart guy.   Michael Hingson  10:38 He's still doing that. Nope. He retired. He retired.   Shea Cunningham  10:41 Yeah, he was kind of forced into retirement. Actually, he was given the, the sort of the Golden Handshake. When they're, I think when you know, when 2008 When things were falling apart, the wheels were coming off the economy.   Michael Hingson  10:56 Yeah. happens all too often. So did he? Did he find something else to do? Or is he just enjoying retired life after now? What 15 years almost?   Shea Cunningham  11:07 Yeah, he's he's enjoying retirement. And he did a little bit of, of, sort of what was it was like, delivery of legal documents, in a kind of in his car driving around town. He kind of had fun doing that for a couple of years. And then he realized he didn't really need to do that. So he's just just enjoying his life.   Michael Hingson  11:28 Well, that's cool. Well, so you went off to do things in Bangkok, and so on, got a degree and started to deal with public policy? And then what did you do? So what did you do out of college when she got your master's degree?   Shea Cunningham  11:43 Yes, I actually I first Well, first, I did a little exploring in South America. I did you. Thank you. I did I actually lived in, in my, in my undergraduate I didn't mention this. And when I was in my undergraduate program, in my senior year, I did live in Mexico for for like, not not quite a full year in Wahaca, which was amazing. So if you ever get a chance to go to a haka, Mexico, I think it's one of the most special places on earth. So, after graduate school, I did take a little bit of time to do some exploring, and South America, which was an amazing, amazing trip. Being in the Andes, for instance, was just incredible. And just the different cultures, the different cities, I'm especially enamored with Buenos Aires in Argentina. But I, so I kind of brushed up on my Spanish and whatnot. And then I, I was very fortunate, I had the chair of my thesis committee started teaching at last or bone and in Paris, and wait, see, see ASBO I think actually, it's which is an another, like a science based university in Paris. And, and so I got the opportunity to be introduced to the OECD, which is the Organisation for Economic Cooperation and Development in Paris is sort of a I liken it to a mini think tank or not, it's really not that many sort of a smaller version of the United Nations. But it's, it's really a think tank between between the Western world countries. So it's like a, it's like, membership. You know, there's member countries basically, so, and it's headquartered in Paris. And I was offered a position there. So I ended up working there for about a year and living in Paris, which is a magnificent opportunity, as well. And I was focused on looking at social innovations across the, across the European region, specifically looking at sort of community community based projects that focused on improvement of both, again in sustainability, looking at the environment impacts on the environment of certain sorts of projects, and impacts on the community. And just also spotlighting just innovations, innovative community projects.   Michael Hingson  14:10 When you were you said in your senior year, you spent most of the year and Wahaca. How did how did that work from a studying standpoint? Was that just part of the university assignment? And did you sort of work remotely? Or how did that work?   Shea Cunningham  14:22 It was really wonderful. It was through the School of International Training. So it was a it was an abroad program that that we didn't have coursework. And we did have field work as well. And so my, so we did have classes, we had a lot of guest lectures, everything from culture to politics to history. And then I had I did a we had to do like a focus project. And so I selected looking at the sea turtles of Wahaca Nick problem, it's actually called Laguna state chicawa, which is where two different types of sea turtles come to lay their eggs. And the and as you probably know, the sea turtles got on the endangered species list. And so that had to stop. And so this was a project run by marine biologists. And so I basically live with them for about six weeks and experienced their project. And I helped it was it was magical I, I was able to help you know, bring the little little, the well the, the eggs that were being laid, and then we would transfer them into a safe area. And then in the evenings, we would liberate them into the sea and watch them watch a little babies crawled down to the sea was incredible. And at night, we would watch the, the moms coming up, the female turtles coming up onto the shore, and then making their nest and laying their eggs. And the reason why that project was happening was because the community there was reliant upon the sea turtle sea turtles for you know, making lotions and, and using their shells to create combs and all sorts of things like that. So then, there was also a project focused on helping to create a new economy, you know, new economic options for the community,   Michael Hingson  16:22 to not so much doing the turtles.   Shea Cunningham  16:25 Exactly. So it became a more sustainable, you know, operation for the community. And obviously, for the turtles.   Michael Hingson  16:33 How big were the adult turtles? Or are they How big are the adult turtles?   Shea Cunningham  16:38 I don't remember exactly in terms of measurement, but I would say, I mean, they're huge. The the green turtles are they get to be like, at least four feet long. Okay. Yeah, yeah, they're pretty big.   Michael Hingson  16:53 So they're big, like some of the Galapagos turtles and so on. Well, not   Shea Cunningham  16:56 as large as those because those the Galapagos are the largest turtle, I believe on Earth, but, but there, there are some moral big ones that kind of take your breath away.   Michael Hingson  17:05 I'm more used to desert tortoises and we don't see them nearly as much now I grew up in Palmdale, we had a pet tortoises growing up. And then later, after I was married, my mother in law went out of her house in Mission Viejo one day, and there was a tortoise just walking up the driveway. And clearly it had been someone's pet. But no one could ever claim it or find it. So we ended up deciding that we would take him and putting him in our yard. And later we got another another tortoise. So it was kind of fun. So we had a male and a female, very sweet bar, like desert tortoises were fun, and we could pet them. And we would give them rose petals and lead us and things like that. And they would also just stick their necks out if you're going to scratch under their necks. They would love it. Oh, yeah. So we made good friends. And actually, it got to the point where they decided that one day they wanted to come into the house. And our screen door or screen door was closed but not locked. And they just popped it open and came in to the consternation of our cat at the time, but everyone got along.   Shea Cunningham  18:19 That's really cute. I love it. I love any kind of turtle.   Michael Hingson  18:25 Yeah, I like turtles and tortoises. I saw one Galapagos turtle, but I was pretty young, only seven or eight at the San Diego Zoo. Oh, wow. But yeah, I like turtles and tortoises in there. They're kind of fun. Well, you so you eventually went off and went to graduate school. And then what did you do after graduate school?   Shea Cunningham  18:46 Well, then, I mean, after working at the the the OECD, the Organization for Economic Cooperation and Development in Paris, I ended up coming back to Los Angeles area. And I started to do some consulting actually for the Thai Community Development Center. And another the Community Development Center, which my goodness, I'm forgetting the name of it, but there are I basically started to consult as a sustainability planner for some different organizations. And I also was invited back to UCLA. I was a graduate student researcher at the North American Integration and development center. So I continue to take on some research projects there. I also worked as, as the research director for the Service Employees International Union, focused on the the public sector and actually worked with one of the projects that was especially rewarding and interesting was with people with developmental disabilities. So it was working with people there called people first I'm not sure if you're familiar with that organization, little David I think they're based in Sacramento. So that was that was an interesting project and you know, working also with the with the, with the helpers that you know that the in home care workers and then I, you know, so I bopped around a bit i i also had a full day and I still I still practice it yoga, I started teaching yoga I was I had two children. So my first one, I was really into yoga, and I ended up ended up being asked, well, I just found this really interesting and cost efficient program. And I ended up becoming a teacher through it. And I really just wanted to do that, because I was interested in learning more about the roots of yoga, and you know, just not not just the actual poses and postures. And, and, and then I started teaching and I as a young as a mom with young kids, that was that was a nice sort of side path. And then it took, and then after, after my kids got a little bit older, and I started going to, to elementary school and in my first kid and in elementary school in kindergarten, that's when I noticed that there was not any even recycling happening at the school. And so I kind of kicked it into high gear and said, Okay, we need to, we need to change things here at the school district. And I connected with some like minded parents, and some like minded teachers and the principal. And we, we sort of piloted a waste reduction and recycling program at the elementary school. And then from there, we raised some money through CalRecycle. And then we, I was asked to be a part of a new sort of committee for sustainability for the school district. And then I ended up leading that, and I really went all in with it. So we we raised a couple of large grants and created composting recycling bins across the entire 10 School 10 site school district. And then we worked with we started with that, but then we we really got into building our sort of co curricular awareness program and worked with the with the the janitorial staff and brought in green cleaning supplies so that they're moving. So it's basically healthier for them as well as the teachers and then students, we brought in solar to offset the you know, the fossil fuel burning, and to reduce the carbon emissions and to provide Sun shading for the parking lots and and playground areas. And we also worked on water reduction or water conservation. We we worked in brought in some new landscaping. So it was like for about five or six years, I was really I was very focused on that while doing other sort of consulting projects on the side. I also worked for help Sony Studios, which is also in Culver City, become a become a zero waste studio, because it's really neat. They they, they being the studio, they have friendly competitions with other studios across the region. And so they're they're really into becoming more green and more sustainable. And so I was brought in to help them create a zero waste studio at the headquarters, which was fun. And I mean, I could go on I have a few other projects that I actually because of the work I was doing at the schools, I gave a speech at a green schools Conference, which is an annual conference that happens in Pasadena. And from there I was invited to work. There's a proposition 39 That was created kind of a loophole that there was found for funding, energy efficiency and renewables in public schools. That money is sunsetted. This is bad for about six years, there was a really good amount of money for different schools for LED lighting retrofits and solar panels. And so I basically helped with that program. And and then I and then my sort of biggest, longest term project that I have that's continuing. And I think I haven't mentioned yet that I developed my own business called balanced approach. And it is a certified woman owned business. It's a sustainability doing sort of a micro sustainability planning firm. And I collaborated with a colleague of mine who who is the co director of sustainable works. And we pitched a Culver City sustainable business certification program to the city council took a couple of years to get it going. But now we're in the sixth year of the program. And we have certified over 70 businesses now as sustainable and kind of on the same model of what we did for the or what I did for the school district with my my other colleagues, which is, you know, from working on green cleaning, you know, taking out toxics working on energy efficiency, working on bringing it bringing in renewables, water conservation, and awareness building. And also transportation. That's another aspect because that's a big transportation is a large factor in terms of carbon emissions.   Michael Hingson  25:58 When How long ago was it that you discovered that the school needed to deal with recycling and so on your kid your child was in kindergarten, how long ago was at   Shea Cunningham  26:08 dating myself? Now? My, my son is 18. Now, okay, yeah, that was like 13 years ago.   Michael Hingson  26:17 It is sort of surprising. And that's This is why I was asking the question that that late in the game, well, maybe not. But it's sort of surprising that they hadn't gotten very conscious about doing recycling and so on. So 13 years ago, would have made it about 2010, you would have thought that they would have done more to address the issue, but then you're getting you're dealing with the innocence the government.   Shea Cunningham  26:45 Yes, I would like that's why I was like, Okay, with this is not okay, we need to teach our kids how to be environmental stewards. And it's not it as we know, recycling is not you know, what's, well, there's like the you've heard of the three R's, right? Reduce, Reuse and Recycle. Right? And it really isn't that priority, like first we got to focus on reducing our waste and reducing our our plastics and our disposables, and then it's reusing whatever we can, and then, you know, recycle what we can't, you know, reduce and reuse. But yes, too, as to your question, or, yeah, I, I agree with you, it was really surprising that they didn't have that in place, you would think that that would be something that that is everywhere, universally, but it still isn't, I mean, it just still isn't. So we still have a long road to the hall that Culver City Unified now. Thankfully, there, it's become part of the culture. And we actually received a state level and federal level Green Ribbon Award for the work that we did in Culver City. So I'm pretty proud of that.   Michael Hingson  27:50 And you talked about solar and creating shade for parking lots, and so on. So you put the solar panels above the parking lots and so on. So that created shade, but it also generated power through the solar energy process.   Shea Cunningham  28:04 Exactly. Yeah. And then we also in one of the elementary schools, we have also shading the playground. And as you know, we have how, you know, we're having more heat waves, and it's gonna continue, unfortunately, until we, you know, really slow the ship down on terms of our fossil fuel burning. But, yeah, so that's really been helpful, because we've had a lot of hot days out on the playground, so it's nice to have that additional shade.   Michael Hingson  28:28 Oh, is all of that surviving in the winter with the heavy winds and all?   Shea Cunningham  28:33 Ah, so far, so good. It's pretty solid. Thankfully, yes.   Michael Hingson  28:38 Which is cool. And I suppose you could say, in a sense that maybe helps a little bit in sheltering from some of the winds because they're up there, but they're, they're sort of flat. So I'm not sure that it shelters all that much, but it must help a little, yeah, helps   Shea Cunningham  28:51 a little, and it helps reduce also the bills, the costs. Energy,   Michael Hingson  28:58 where does the where does the solar power go to the school? Or how does that work?   Shea Cunningham  29:03 It goes back to the grid, you know, so it goes to the grid, but then, you know, what happens is the because it is a, at least as of when I was, you know, really in the weeds on the program, it was over 50% of the energy needs were met by by the solar panels. So yeah, but yeah, so that's yeah, because it is on the grid, it's not an off grid system, but that is you know, that's something that resilience, climate resilience is is really would be the next step is to have like a battery backup system. So when the when the blackouts happen as we know, they do happen, especially in heat waves and whatnot, then the school will be able to stay and keep the lights on basically. So I was gonna   Michael Hingson  29:55 actually ask you about batteries. I know that the technology hasn't probably progressed as nearly as much as we would like, but has battery backup technology advanced to the point where it makes economic sense to to get batteries. So for example, in our home here, my home, we have solar, we sell back to the grid, and we don't have battery backups. And when we bought solar and set it up six years ago, when the house was built, the person who did it said, batteries are still not worth it. They don't get warranted long enough. And they're very expensive for what you actually get. What do you think?   Shea Cunningham  30:34 Well, I mean, I'm not a full on expert and up on up on that. But I would say this, in general, it's the technology just keeps improving rapidly, the costs keep coming down. And when I was I actually also worked for a couple of years in the city of Malibu and, and battery backups, were going in very rapidly across the, you know, the residents. And I know that's a little bit more affluent. community, but but there are more and more certainly, sort of government agencies and buildings that are that recognize the importance of the battery backup for for sort of public safety. So you might want to weigh it out. I mean, I would just keep I would keep looking out. And also, the other thing I meant to say, is they also have a lot of rebates and what not, because they're, you know, there is government programs that are encouraging people to do this. So I would just say Keep it keep an eye out.   Michael Hingson  31:38 What do you think about the new rules in California, the Public Utility Commission just adopted some new rules that I guess are gonna make a significant change in how much people get back from solar and so on. Are you familiar with those?   Shea Cunningham  31:51 You know, I'm not super up to date on it. But I know that there's stuff going on. And and I think some of it is not in a good direction. Yeah. So yeah. So I think that, yeah, there's that is something to stay abreast of. But I think in the end, you know, it's got to get move in the right direction, because we I can just, I mean, in terms of emission reduction targets, yes, tonsa municipalities have made them, certainly the state has made them a lot of cities have made them, you know, going net zero by 20 2040, I believe is Los Angeles, by 2050, for the state of California. And also, if I'm not mistaking, I think that's also the case for the federal government has made that commitment as well. And then corporations are publicly traded corporations are actually going to be mandated to do so beginning January 1 2024. Because the SEC, the Security and Exchange Commission is going to be there any day. Now, q1, when this this first quarter here in this this year, 2023. They're supposed to be publishing their new regulations, which will be effective January 1 2024. And that's going to that's going to include greenhouse gas inventories, they need to be third party certified, there needs to be target emission reduction targets made and there needs to be progress made upon those targets on an annual basis through reporting. So things are definitely moving in that direction.   Michael Hingson  33:35 Well, we said at the beginning that you were a sustainability expert. And so I'd love to get into some of that what it really is sustainability.   Shea Cunningham  33:45 Sustainability, the the UN, I believe the United Nations calls, defines it as meeting the needs of the present without compromising the needs a future generations. So that's it in a nutshell. But it's also seen there. There's also a term called the three P's, which is people planet and profit. So it's definitely not just about the environment. It is also equally about the impacts on the community, you know, community well being social well being, as well as the finances of it, like is it? Is it financially sustainable? There's another sort of visual of the three legged stool. So you need each pillar because they won't stand up if it if, if if you have a pillar that's missing. So it's the environment, it's the social aspect, and it's the, like I said, the economy or the financial aspect of it.   Michael Hingson  34:46 So, the the idea, though, is that we do need to look not only for now, but we do need to look for the future. And it just seems to me that when I hear a lot of the debates, and I hear are a lot of the discussions coming out of Washington and other places. There's a cadre of people who just tend to not seem to be thinking much about the future at all. How do we change that? How do we get people to really look more toward the fact that we are all responsible, and we have to take an active effort and all this   Shea Cunningham  35:22 very good point, you really hit it on the head, but it is, it is perplexing to me that there are so many people that are not not really taking the responsibility and not really accepting the fact that that we all need to work together to sort of do our part, because the signs are all out there. I mean, we are we are living in the reality of climate change at a much more rapid pace than the scientists predicted. By but at the end of the day, it Yeah, it's not political. And I think that it's become politicized, sadly. And I think we got to, I think it to really answer your question, I think everybody, everybody wants to live in a clean world, everybody wants, doesn't want to see, you know, a garbage and pollution. Nobody likes that stuff. I think everybody is, is shares that, that desire. And I think that, you know, we, I think that's part of the message that we need to get across is like, you know, we're not, this is not a blame game, we just, you know, we just need to work together on this. And it's not about I mean, the earth is going to be fine. I mean, quite frankly, if humans humans go, the earth is going to repair itself, because we know Mother Nature is amazing. So it's really more about like saving ourselves, quite frankly, and saving our, you know, our, our grandchildren, our children, our grandchildren. So and it's, again, it's not something I want to emphasize, it's not something that's in the future, we're already living in this situation, as you know, the extreme weather events, like very massive storms, elongated storms, larger fires than ever long, long term droughts. We're in a 20 year drought. Now, even though we already have this. Tons of precipitation happening now, that's probably not going to continue. That's, so we have, you know, it's kind of like Global Weirding. I'm not sure if you heard of that term, but I think I really feel like that encapsulates it, there's just crazy weather patterns going on. It's very destructive. And, and that's why businesses are really waking up. In fact, the US military has woken up to this, you know, a couple decades ago, they've been building climate resilient systems because of that. So and then corporations, larger corporations are really, they're out in front of the SEC regulations already, because they're seeing that their supply chains are starting to go wonky, because when you have flooding happening, when you have fires happening, you know, it destabilizes the supply chain, it, you know, obviously cuts into productivity cuts into the cost the revenues. And, and it makes things much more in, you know, it's it's, it's not a shirt, you know, and I'm saying it's, it's, it makes it much more challenging, basically. So they're waking up. And they're, it's, and I think they really, especially with the United Nations, and the Global Compact, which is the sort of corporate member corporate kind of club for engaging in the United Nations and their sustainable development goals and whatnot. They're working together with corporations to, to achieve, you know, to work on progressing and to work on getting more renewables out there. So we have the options to start really bringing down the carbon.   Michael Hingson  38:53 Yeah. And you said that this isn't really a political issue, or shouldn't at least be a political issue. And that makes perfect sense. But unfortunately, it's become so much of a political issue, let's say, at least in this country, you've got people who say, Well, this isn't really set, there's no such thing as climate change, because it's really just nature. And it's the way it's always been, it's the way it's always going to be, how do we get people to recognize that there really is a difference?   Shea Cunningham  39:23 Well, I think it's really there's so much evidence, you know, so I think it's, it's really boils down to education. I think we need to have more kind of roundtable discussions. I think we need to, you know, meet people where they are and and sort of focus in on what what's impacting them personally, and what might be impacting their family personally, but also the coming back to it's really the sciences there. The evidence is there, I think and I'd be happy I don't know if we if this is a possibility, but I'd be happy to, to to I'm give you some links that you can share on your in your program, please do. Okay, so I'll do that. But I think at the end of the day, it's really the education piece.   Michael Hingson  40:12 And people need to be open to be educated, before it gets too late, because this is it's not a new concept that there are things happening. I mean, you can go back to the Silent Spring with Rachel Carson years ago. That's right. So we're not dealing with anything magical here. And the more some people protest, and the more things happen, it's pretty clear that there really is an issue that we have to deal with.   Shea Cunningham  40:41 Absolutely. And so So for you,   Michael Hingson  40:43 you, you did a lot of work and public policy and so on, but what really then drew you to get so incredibly involved in sustainability and so on, was it what happened in kindergarten? Or is it just that you always notice those things are what?   Shea Cunningham  41:01 Yeah, you know, it's, I think it's just in my DNA, Michael, I just, it just really was a no brainer for me that this is what I wanted to do with my, you know, professionally with my life. So I very much, you know, I feel very fortunate actually, to be in this to be in this field. Because it's, it's, for me, it's just deeply meaningful. And I sort of live and breathe it, like I try to be as sustainable as I can in my own life. And, you know, so I make sure that I am, you know, I tried to reduce my own carbon footprint. So I'm, I'm also walking the talk, but it just was a natural fit for me. And, again, as I mentioned, like, I've, I'm a big nature lover, I've always felt better when I'm outside and, you know, taking a walk in the forest, or, or, you know, watching the sunset on the beach. And I mentioned, I loved them or ride my bike, and, you know, go through in being different, explore different routes, you know, and, and I just feel very compelled to do my part to help preserve and conserve and repair and restore our, our environment.   Michael Hingson  42:18 Well, it's, it really is, I think, relevant and important to step out and look at things that are different from what we're used to. I love, for example, going to, when we were in Northern California, places like near woods, and forests, and so on, I love forest, just because the sounds are so different, or in the environment is so different. It was so much fun to be able to be in there and experience a different environment like that. And I've kind of always thought to myself, I can live here. But it's so important that we understand different places then we're specifically used to and as a public speaker, who has been traveling for now, the last 21 and a half years, I've always been so interested and excited to explore new places and just experience different environments, caves and other things like that as well.   Shea Cunningham  43:19 Yeah, I'm with Yeah, I definitely feel the same way. And it's just, it's, you know, it's, it's a way for us to repair ourselves when we when we're out in nature.   Michael Hingson  43:31 You haven't lived until you've been in the middle of New York City just after a blizzard, and you're walking down Madison Avenue, when there are no cars around, and it's so quiet. And nothing is going on. Because there's just way too much snow it was it was so much fun to get to do that once.   Shea Cunningham  43:49 Right on. It's awesome. And there's also nature, you know, I think it's so important to bring nature to the cities to, you know, in terms of like, you know, there's urban forests, for instance. I mean, when we have a lot of trees in the city, it just makes everybody feel better.   Michael Hingson  44:10 Yeah, absolutely. It's, it really is important to, to, if you can't bring people to it, then bring it to people, at least as much as you can.   Shea Cunningham  44:21 Absolutely.   Michael Hingson  44:22 So you talked earlier about what you did when your son was in kindergarten and really noticing the whole issue about recycling and so on. Overall, I guess two thoughts. One, how is it effective and why is it effective to explore and bring sustainability into elementary schools?   Shea Cunningham  44:49 Very good question. I think it is imperative to do that. To bring it to young really young kids, because they are like sponges, you know, so they're are, they're able to pick up these new habits and make them just habits that they don't have to think about in terms of, you know, being good at and reducing their waste, for instance, not bringing, you know, reuse are like water, plastic water bottles, for instance, in plastic bags. And like, in saying, No, I'm going to bring reusable as I have a reusable water bottle, and you know, that's better for the environment, it's better for me. And, and, and being careful about recycling and that sort of thing. It when, when you teach the young kids they are like, like I mentioned, they're little sponges, and so it just becomes habit for them. And then it's not something that they really have to learn and, and whatnot. So that's really, you know, when you get to like, high school, as we all know, something happens to the teenage brain. And, and they are, you know, sometimes it's, they're a little defiant, and, you know, they don't necessarily want to do with what the adults are saying and whatnot, so. So it's harder, it's harder. And as we all know, it's also it's always hard, hard to change, especially for adults. You know, not everybody, it's usually change is hard. I mean, you've heard that term before. But that's one only one thing you can ever, ever really be sure of in life is change, because everything changes. And so we might as well go with the flow, and learn how to be skillful at riding the waves of change. Right. So that Yeah, I mean, I just think that the younger, the better. And if we all did that, if it was universal, you know, within a within a half a generation we'd be we'd be, you know, doing great.   Michael Hingson  46:45 What's ironic, of course, is that, however it happens, we're taught to fear change. Yep. You know, we all say yeah, change is all around us. Change happens. But when it really comes down to it, we're afraid of it.   Shea Cunningham  46:59 Yes, chain. Well, that yeah, they talked about change being hard. And yeah, we kind of go into that reptilian brain of like, oh, yeah, no fear. We gotta watch out for this. And I think it's, I think that makes it the biggest challenge, you know, and it's, and I do think that he is a politician and Al Gore. And if you remember his Inconvenient Truth, Inconvenient Truth. Yeah. I think that's a brilliant phrase, because that's really what it is. Yeah, it's not it's not, you know, we we have built especially in in this country, as you mentioned, it's it's more political in this country than anywhere else in terms of climate action, and, you know, and the awareness of climate change or lack of awareness, but it is it is something that you know, we what am I trying to say, Where am I going with my thoughts? I'm having a moment   Michael Hingson  47:53 well, we continue to fear change, it's yes. And it's it it shouldn't be an inconvenient truth the change happens but you have it on the hand. He's right. I was a while before I actually saw it. I was actually flying to Japan after my first book thunder dog was published and that's where when I actually watched the movie, it was on the on the airplane, but it was so enjoy I watched it twice. But I I really appreciated what he had to say and he is absolutely right. Yeah. And it's it shouldn't be An Inconvenient Truth but we make it something that's inconvenient we just don't like to deal with all of that   Shea Cunningham  48:36 good point and that's what I the the word convenient is what I was get trying to get back to that we have created this culture and in America I think it really started in the 1950s of convenience creating a culture of convenience Yeah, so you know like Oh, TV dinners and fast food and disposable water bottles and you know does everything is to go coffee to go with with a disposable you know, cup and lid and we've we we are we are literally swimming and like we're you know way over our heads and waste now we have a serious waste problem, which of course is also carbon emission problem as well. And we have so much waste in this country and it's and it's all because of like oh you know creating this sort of like it's a mirage really of like, oh we're better off because we have all this stuff that we can collect and we can you know just enjoy once and throw away and you know and so that's the kind of stuff that it is hard but we got to change that that we can't keep living like that. Are there   Michael Hingson  49:42 any water bottles so they throw away water bottles that actually are recycle and Will are biodegradable and so on? Have we done any of that?   Shea Cunningham  49:51 There are there are bio plastics, but that's actually a whole nother problem. Because our infrastructure, our recycling info structures inadequate, and to handle those bio plastics, they have to be basically heated up to a really high degree. And very, very few municipalities have that capacity at this point in time. But, you know, there is something about like being up, you know, in terms of the source is better, because it's not fossil fuel driven, or, you know, it's not made by fossil fuels are made from fossil fuels. But, but, you know, standard plastic bottles can be recycled, but at the end of the day, you know, only about I mean, it's really, it's really kind of like, oh, like, only about like, 10% of total recycling stream really gets recycled. And it's because they're, you know, so I know, there is some hope in California, there is a bill that finally got passed. It's been like up for passage for many, many, many years. But all I forget exactly the year, I think it's not till 2025, maybe 2030, which is too far into the future, from my perspective, but that all packaging has to be actually recycled or composted by that date in in, in California. And you know, when California when something as big as the California economy makes a change like that, then it will, it will have reverberate reverberations across other states as well. So I'm somewhat hopeful that we're moving in a in a good but very slow direction, in the right direction. But, you know, besides just like the disposable, sort of packaging and whatnot, it's, it's just, you know, like a fast fashion, I'm sure you've heard of that term of like, you know, Textiles and Apparel, that sort of thing, and, you know, purchasing of stuff, we don't really need, that. That's the kind of stuff that I think we just need to be more reflective and mindful in our in our society.   Michael Hingson  51:57 Yeah, we, we need to recognize that we need to be the solution and not the problem are not part of the problem. And we're just not collectively doing nearly as much of that as we should. And another example of some of that we hear about a lot is greenhouse gases, where where do they come from? And where do greenhouse gases fit into the whole equation of what we're talking about? Right.   Shea Cunningham  52:23 Good question. So greenhouse gases, I have been mentioning emissions, and I was referring to greenhouse gas emissions. So that is basically what is what happens when fossil fuels are burned. So fossil fuels are, you know, mined or are extracted from the earth. very, they're very, very polluting. And they, they're basically through the through the energy industry. That's one of the major sources of fossil fuel burning and greenhouse gas emissions in our country, and actually, mostly around the entire world. Industry. And transportation is another another source of the greenhouse gas emissions, it's up to depends on you know, it's kind of any, there's different ways to slice and dice the pie of in terms of where the emissions come from. But I've read many, many different sources that say about 40% of our emissions come from fossil fuel burning of in cars, and trucks. So that's one of the reasons why it's so important to move away from fossil fuel burning cars and move into electric cars. I know that there is gap greenhouse gases that are emitted in the making of the cars, but in terms of in terms of driving the electric vehicle vehicles, especially if you are charging, you know, in a house or a home that is that is has solar energy, right? Yes, then you really are making a big impact and big positive impact.   Michael Hingson  54:06 Yeah, and that, that makes a big difference. And I know we're going to get there. I do hope it happens sooner than later. I I'm absolutely, totally supportive of the whole concept of electric vehicles. Although I do think that we need to be responsible. And there have been laws passed about this. But too many electric vehicles still Don't make a noise. So those of us who don't see those cars coming are put in danger. And it's now been 13 or 12 years. And since the law was passed the pedestrian enhancement Safety Act that said the cars need to make noise, and they're still playing with standards and trying to deal with it and the reality is that the best ironically, from at least my perspective, maybe scientifically, someone will come up with something different but I happen to hurt it. At the best way for me to deal with a vehicle and making noise is the sound of an internal combustion engine. And they ought to be able to emulate that sound in cars because I can tell the difference between a bus and a car and a truck. And I can tell more about whether the car is speeding up or slowing down because of all the different nuances of an internal combustion engine sound. So one tone isn't going to do it. But they haven't done that yet, really. And at some point, once again, it's going to have to be addressed because even NITSA has said that when cars are quiet, for the total population, there's 1.5 times as likely hood of an accident happening and the pedestrian doesn't just blind people anymore. Right? You know, that that's what got the law passed in the first place?   Shea Cunningham  55:59 How interesting. Thank you for telling me that, because that's something I never thought about that's really opens my mind to that?   Michael Hingson  56:05 Well, it is it is something that needs to be dealt with. And but I love the concept of electric vehicles. And you know, I have I've actually driven a Tesla down i 15. And the driver was the the normal owner and driver was in the car and said you want to drive it? I said, Sure. So I drove about 15 miles and appreciate what it can do. And I realized that we've really are on the cusp of the whole concept of autonomous vehicles. What we have now is not anything like what we're going to have in 20 years, and the viability and the the foolproof nature of what they can do is going to come. But we have to start somewhere.   Shea Cunningham  56:49 Absolutely. Yeah, that's, that's gonna be fair. I mean, I'm a little nervous about it. But you know, again, change is hard.   Michael Hingson  56:57 Well, I think there's reason to be nervous. Because we can't move too quickly or otherwise, we're going to push the cars beyond the limits of what they can do today. But we're seeing constant improvements in the whole concept of autonomous vehicles. And the time is going to come when they really will be as safe and as foolproof as we would like them to be. Or as we read about in science fiction books, that's coming.   Shea Cunningham  57:25 Pretty wild.   Michael Hingson  57:26 I know, isn't it? Well, how about carbon, a measurable carbon emissions and so on measuring them. And dealing with all the reporting and studying of such such things? That's obviously important. And I would assume that one of the values of that is it really helps us get to a better understanding of whether we are we're not having an effect on the environment in a positive way.   Shea Cunningham  57:53 Yeah, absolutely. Yeah. So that's the greenhouse gas inventory that we you can do, you know, on a personal residential level? And of course, you know, municipalities do it. And businesses do it. And a lot of businesses are not doing it yet. But as I mentioned, many corporations are doing it and are demanding that their suppliers do it. And and the Security Exchange Commission will be mandating it. So that is, you know, in a nutshell, it's basically, you know, for for business, it's looking at the different sources of greenhouse gases, which I'm not sure if I mentioned, it's really the major cause to global warming, which is like, which I think is it's more aptly called Global Weirding. Because there's, there's extreme cold, that's snaps that happen, as well as extreme heat. And as you know, glaciers are melting ice, and sea levels are rising the whole business. But But so, in terms of the greenhouse gas inventory, and we look at the different sources, which of course, buildings are a major source, you know, using the energy in the buildings, and then we calculate, you know, what, what is that in greenhouse gases, in terms of energy, and we look at the transportation, we look at business travel, we look at, you know, so airplanes, as we know, our jet fuel is very polluting, thankfully, we're seeing the aviation industry start to starting to move toward making commitments at least to have electric planes, at least starting to phase them in by 2030. Because 2030, by the way, is sort of the year that the United Nations has focused on and to like, we need to have really measurable reductions and like half of our emissions need to be reduced by 2030 globally. And then, in terms of going back to like the business travel, you know, there's more hotels as well that are just starting to make commitments as well to be net zero hotels by a certain date. So, you know, and it's really the the proof is gonna be in the pudding like, we need to see the progress. We can't just say, Okay, we're gonna do that and then share best practices and 2030 No, every year, we need to win, you know, we need to redo the inventory, we need to put programs into place to incentivize people to, to take alternative transportation to work, including public transportation, carpooling, you know, if you're going to buy a new car, go, Evie. You know, if you can ride your bike to work, if you're not that far away, choose to do that do active transportation, that sort of thing. So we need to get those sorts of things in place and incentivize people tend to make it fun, because Because change is hard, you gotta kind of gotta be smart about it, and be creative about it, and make it something that is going to be engaging, and is going to, you know, people are going to open their minds to it. So and So basically, we take all the different sources of the data, where the greenhouse gases are coming from, and then we crunch the numbers. And then we like we, you know, we have our, our carbon emissions, sort of portfolio, so to speak. And then we know where, okay, this is where we are this year, this is where we need to get next year. So we have to do short term, medium term and longer term planning for year after year for, you know, reducing the carbon and in terms of the corporations as well, there's, at least in terms of like office based work, I think it's very important that we maintain, and it's looking like it's feasible to maintain sort of hybrid work schedules and flexible work schedules. So we are not, you know, needlessly driving back and forth to the office every single day,   Michael Hingson  1:01:43 I think we're starting to grow to realize that there's value in so many ways to allow people at least to have a hybrid schedule and do some work at home, helps family helps mindset, it helps everyone to sometimes be able to do a little bit more on your own schedule, rather than, Oh, there's just one process to do it. Right. And so you are the director of sustainability for ASTN   Shea Cunningham  1:02:12 ASGN incorporated in and what is ASGN. ASGN is a is a company that is it's a publicly traded firm in the Fortune 600. And there and they are an IT consulting and staffing firm. And as Jan's main clients are really the top sort of 25 of the Fortune 500 Club. And so Microsoft, Apple, Google, Amazon, IBM, and others are the main clients. And so that's where the and especially Microsoft have to give a shout out to Microsoft, they're the ones who are really the most sort of at the at the forefront of of making target reductions, and also requiring suppliers to follow their lead.   Michael Hingson  1:03:01 All well, it's going to be exciting to see how things evolve over time. I really appreciate what you're doing. And I hope the people who are out here listening will learn from it. And definitely please send me links and maybe links to things you have written and so on. And we will ensure that those are in the show notes so that people will have access to all of   Shea Cunningham  1:03:25 that. We'll do we'll do thank you so much, Michael. Well, this   Michael Hingson  1:03:28 has been really fun. Well, I definitely want to thank you Shea for being here. How can people reach out to you or get in contact?   Shea Cunningham  1:03:36 Well, you can either go on LinkedIn and look me up Shea Cunningham, S H E A Cunningham. And also, as I mentioned, I still have my certified woman owned business balanced approach. And my email is just Shea S H E A  at balanced approach.net.   Michael Hingson  1:03:53 There you go. Direct contact all the way. Well, absolutely. This has been fun. I hope you've enjoyed listening to us today in this conversation. I'd love to hear your comments, feel free to email me at Michaelhi at accessibe A C C E S S I B E.com. And while you're thinking about access to be go to the website and do a free audit of your own website and see how accessible it is, which is another whole story. But you can also go to Michael hingson.com/podcast hingson is h i n g s o n and we hope that you'll give us a rating wherever you're hearing the podcast and that you go back and listen to some of the other podcasts. We really appreciate it. But a five star rating and your comments are absolutely invaluable and we hope that you'll give us any thoughts that you have. Shea for you and anyone listening. If you have any thoughts of other people we should have on his guests on unstoppable mindset. Please let us know please email me. Let us know about guests. Give us introductions. We'll bring them on.   Shea Cunningham  1:04:57 Well do.   Michael Hingson  1:04:58 I appreciate that? Well again, Shea, thanks very much for being here with us and doing this today.   Shea Cunningham  1:05:04 Thank you so much, Michael. Take care. You too.   Michael Hingson  1:05:12 You have been listening to the Unstoppable Mindset podcast. Thanks for dropping by. I hope that you'll join us again next week, and in future weeks for upcoming episodes. To subscribe to our podcast and to learn about upcoming episodes, please visit www dot Michael hingson.com slash podcast. Michael Hingson is spelled m i c h a e l h i n g s o n. While you're on the site., please use the form there to recommend people who we ought to interview in upcoming editions of the show. And also, we ask you and urge you to invite your friends to join us in the future. If you know of any one or any organization needing a speaker for an event, please email me at speaker at Michael hingson.com. I appreciate it very much. To learn more about the concept of blinded by fear, please visit www dot Michael hingson.com forward slash blinded by fear and while you're there, feel free to pick up a copy of my free eBook entitled blinded by fear. The unstoppable mindset podcast is provided by access cast an initiative of accessiBe and is sponsored by accessiBe. Please visit www.accessibe.com. accessiBe is spelled a c c e s s i b e. There you can learn all about how you can make your website inclusive for all persons with disabilities and how you can help make the internet fully inclusive by 2025. Thanks again for listening. Please come back and visit us again next week.

29th May: Crypto & Coffee at 8

On August 19th of last year in Episode 50 of Unstoppable Mindset we all got to hear an Interview with a brand expert, Ben Baker who was introduced to me by a colleague. The circle now continues as this time I get to talk to Catherine Altman Morgan who was suggested as a podcast by, you guessed it, Ben Baker. Catherine is an author; coach and we all get to hear what else. She grew up in New York City. She lived two years in North Carolina and then moved back North to New Jersey. She attended Vassar College and graduated with a B.A. degree in Psychology.   As a young person just out of college she took the suggestion of her father in Chicago and moved there to work at the Chicago Stock Exchange which she did for five years. She then moved back to New York because she realized that as a phone clerk at the stock exchange, and since she wasn't great at math, she wasn't going to make much money. Her next job was as a market analyst at a Technical Analysis software company in New York. She sold and supported trading systems since she knew how to talk to and work with stock traders. She did that for a bit then moved to a company back in Chicago doing the same kind of work. Through work with several firms she continued to do similar work as well as risk and flow analysis.   In 2010 she quit working for other companies and formed her own coaching firm, Point A to Point B Transitions Inc.  During our interview Catherine provides many insights about job searches, how to seek a job in today's technological world and how to interact with prospective employers. Lots of good information to hear whether or not you are looking for a job. Catherine shows us that we can choose to be unstoppable and move forward. Her advice is sound, but even more important, she is not just talk. Her coaching firm has helped many, job seekers or not. I hope you will check it out. Finally, just wait until you hear the news about her newly published book “This Isn't Working”. Not going to give the news away.   About the Guest:     Catherine Altman Morgan is an award-winning career transition expert who has been coaching clients and colleagues through job and life transitions for more than 20 years. Catherine is the author of the recently released book, This Isn't Working! Evolving the Way We Work to Decrease Stress, Anxiety, and Depression. She also speaks on topics related to career transition, workplace mental health, and small business/entrepreneurship.   Catherine graduated from Vassar College with a B.A. in Psychology. Before starting her consulting business in 2010, Point A to Point B Transitions Inc., she was employed by KPMG, Arthur Andersen, and Deloitte. She also has been a contractor for Protiviti, Navigant Consulting, and RGP.   With a background in job search, career transition tactics, and business strategy development, Catherine works with clients who have been laid off, believe their situation is unsustainable, or find that whatever they've been doing isn't working for them anymore.   Catherine's clients have frequently experienced a perfect storm of challenges in their life, including a layoff, health diagnosis, death in the family, divorce, extended time in transition, or financial collapse - often several at the same time. Catherine and her team work with the whole person to get them relaunched.   Links for Catherine:   Facebook business https://www.facebook.com/PointA.PointB Facebook personal https://www.facebook.com/tapcat LinkedIn https://www.linkedin.com/in/pointatopointb/ Twitter https://twitter.com/PointA_PointB Website https://www.pointatopointbtransitions.com/     About the Host: Michael Hingson is a New York Times best-selling author, international lecturer, and Chief Vision Officer for accessiBe. Michael, blind since birth, survived the 9/11 attacks with the help of his guide dog Roselle. This story is the subject of his best-selling book, Thunder Dog.   Michael gives over 100 presentations around the world each year speaking to influential groups such as Exxon Mobile, AT&T, Federal Express, Scripps College, Rutgers University, Children's Hospital, and the American Red Cross just to name a few. He is Ambassador for the National Braille Literacy Campaign for the National Federation of the Blind and also serves as Ambassador for the American Humane Association's 2012 Hero Dog Awards.   https://michaelhingson.com https://www.facebook.com/michael.hingson.author.speaker/ https://twitter.com/mhingson https://www.youtube.com/user/mhingson https://www.linkedin.com/in/michaelhingson/   accessiBe Links https://accessibe.com/ https://www.youtube.com/c/accessiBe https://www.linkedin.com/company/accessibe/mycompany/ https://www.facebook.com/accessibe/       Thanks for listening! Thanks so much for listening to our podcast! If you enjoyed this episode and think that others could benefit from listening, please share it using the social media buttons on this page. Do you have some feedback or questions about this episode? Leave a comment in the section below!   Subscribe to the podcast If you would like to get automatic updates of new podcast episodes, you can subscribe to the podcast on Apple Podcasts or Stitcher. You can also subscribe in your favorite podcast app.   Leave us an Apple Podcasts review Ratings and reviews from our listeners are extremely valuable to us and greatly appreciated. They help our podcast rank higher on Apple Podcasts, which exposes our show to more awesome listeners like you. If you have a minute, please leave an honest review on Apple Podcasts.     Transcription Notes Michael Hingson  00:00 Access Cast and accessiBe Initiative presents Unstoppable Mindset. The podcast where inclusion, diversity and the unexpected meet. Hi, I'm Michael Hingson, Chief Vision Officer for accessiBe and the author of the number one New York Times bestselling book, Thunder dog, the story of a blind man, his guide dog and the triumph of trust. Thanks for joining me on my podcast as we explore our own blinding fears of inclusion unacceptance and our resistance to change. We will discover the idea that no matter the situation, or the people we encounter, our own fears, and prejudices often are our strongest barriers to moving forward. The unstoppable mindset podcast is sponsored by accessiBe, that's a c c e s s i  capital B e. Visit www.accessibe.com to learn how you can make your website accessible for persons with disabilities. And to help make the internet fully inclusive by the year 2025. Glad you dropped by we're happy to meet you and to have you here with us.   Michael Hingson  01:16 Well, hello, once again, I'm really glad you're here to attend and listen to another episode of unstoppable mindset. Today, we get to interview Catherine Morgan and I met Catherine through another guest that we had on the podcast some time ago, Ben Baker. And Ben said you ought to talk to Catherine and we chatted and it just seemed like it made good sense to bring Catherine on and she's got some new news to share with us in the course of the day. But Catherine is an author. She's a speaker, she does a lot of different kinds of things in terms of coaching and teaching. And we'll get to all that. So Catherine, really, I really appreciate you being here and welcome to unstoppable mindset.   Catherine Morgan  02:06 Thank you so much for having me, Michael.   Michael Hingson  02:10 It's a pleasure to have you here. Well, let's start. Like I always like to. I got it from an Alice in Wonderland TV show once at the beginning. So tell us about you growing up and a little bit just about your life and, and all that and how you got to where you are, or at least got to somewhere?   Catherine Morgan  02:29 Sure. Well, I started my early childhood in New York City. Very, very happy city girl. I was there till I was about 10. And then we had a little detour to Blowing Rock North Carolina, which couldn't have been further from New York City for this girl, who was a little shock to the system. After that, I spent Middle School in high school in the middle of New Jersey near Morris town, which was your very typical suburban existence. We walked everywhere. We rode bikes, the everybody had to come home when the ackermans rang their bell for dinner like we were free range children back then. So it was, you know, sort of the normal American upbringing in the 70s.   Michael Hingson  03:23 Okay, so how long were you in Carolina?   Catherine Morgan  03:28 We were just in Blowing Rock for a year and a half, two years. I don't remember. It's kind of a blur. It was. It was lovely. I mean, this so stunningly beautiful there. But yeah, the school system from going from a private, very, very small private school with 24 kids per grade to four classes per grade of 24 kids. Each was a little bit of an adjustment for me.   Michael Hingson  03:57 You survived though.   Catherine Morgan  03:59 Yeah, I came out and I did. I was a good student. I did well in middle school in high school and I went to Vassar College, which when I was looking at colleges, I applied to a bunch of them but faster was the only school I wanted to go to and conveniently they agreed that they wanted to have me   Michael Hingson  04:19 well that worked out well. So but when you left Blowing Rock Where did you guys go   Catherine Morgan  04:26 to Mendham New Jersey outside of Morris town in the middle of the state.   Michael Hingson  04:31 Right. So what took you to North Carolina in the first place that job for your one of your parents or what?   Catherine Morgan  04:38 Yeah, my my mother remarried and my stepfather was running a factory in just over the Tennessee border making one who's in what was he making, making men's pants   Michael Hingson  04:54 and then why New Jersey?   Catherine Morgan  04:58 Once again, we we follow To my stepfather's jobs he got a job in New York. And that was a very commutable city because of where how the trains worked. So a lot of people commuted into the city for their work,   Michael Hingson  05:14 I must say, from a transportation standpoint, and having lived in New Jersey for six years, taking the trains into the city, most every day, I very much got used to the trains and love the New Jersey Transit and train systems of New York City. My biggest challenges were getting, oftentimes, from the Westfield train station to home, we used what's called paratransit under the ADEA. And it was run by New Jersey Transit, but in separate sort of organization, and they were a times they were a little bit of a challenge. But mostly it worked out pretty well. And I was able to get to and from the train station without too much grief or difficulty. But getting on the trains and going into the city was always a wonderful thing, because you could go without needing to worry about driving or any of those kinds of things. And I know people who took Amtrak, even from Bucks County in Pennsylvania, and they would just be on the train for a couple of hours. And they form groups and they worked on the trains or they just had conversation groups and did other things on the train going to and from the city. So trains are wonderful things.   Catherine Morgan  06:30 I agree. I find them very relaxing my system sort of down levels and gets very relaxed on trains.   Michael Hingson  06:39 So what did you get your degree in from Vassar?   Catherine Morgan  06:43 Psychology?   Michael Hingson  06:44 Right? Okay. Did you go beyond a bachelor's degree?   Catherine Morgan  06:49 No, I didn't, I had always intended to go back and get a masters or something, you know, in my 40s. And that just isn't how my life ended up. So I do something that's sort of related. And certainly my interest is very sight, the psychological side of business, but I did not pursue further education.   Michael Hingson  07:16 So what did you do once you left faster?   Catherine Morgan  07:21 Well, like most people just out of college, if you're not going directly into law school, or med school or something, you have no idea what you're doing. And my father was out here in Chicago, and he was working on the Options Exchange. And he said, Well, why don't you come out here and try that since you don't know what else you want to do. And it was 1984 before the crash of 1987. And those three years, everybody was getting rich, and it was fast moving and fun and young, and just with open outcry was really a great place to work and in your 20s Let's just put it that way. And I had way too much fun that I'm not willing to share about.   Michael Hingson  08:11 And besides that, you went to a place that had great hotdogs and great pizza. Oh, yeah, gotta have your priorities, right?   Catherine Morgan  08:20 Absolutely.   Michael Hingson  08:22 I always love when I go to Chicago going to UNO's among other places and getting their deep dish pizza, my relatives who live there, always insist that we should go to UNO's and I have to agree it's pretty good. It's pretty good. So what did you do in Chicago then?   Catherine Morgan  08:40 So I was a phone clerk on the Options Exchange, which meant I was down there with 1000s of people screaming in the pits, executing orders I was on the side actually taking the orders and making sure that the runners got the orders out to the brokers in the crowd. It was it was it was crazy times back then I can't really describe the noise level and the close proximity because I had about a foot and a half of personal space where I was I had a foot and a half of desk standing right next to somebody else who had the other foot and a half and I had my order pad and my phone and that's it there was me a foot and a half of space ordered pad phone on the phone all day long taking orders recording orders it was it's kind of hard to explain. But it was it was fast paced and and like I said in your 20s Young and fun.   Michael Hingson  09:41 Yeah, it's it's probably fair to say you haven't lived until you've observed a stock trading for close up there. They are crazy places.   Catherine Morgan  09:54 Yes. Back in the day with open outcry the noise level we is just something you can't have Yeah, I guess if your staff, you've been to an arena show and somebody makes a shot and the crowd goes nuts, that was not an unusual noise level on the floor.   Michael Hingson  10:09 Yeah, constantly as opposed to just when somebody makes a shot. And there's just so much going on and so much activity and as you said, you're taking orders. And then people have to run them out to the traders, to the brokers and the people actually on the floor who do the things that they do. And the constant byplay, it's, it's an amazing place to be. It's a pretty incredible and last,   Catherine Morgan  10:34 yeah, it's really fast. So that was made an indelible impression on me.   Michael Hingson  10:41 Also, you didn't dare make a mistake, because one mistake could cost people incredible sums of money. I know I was in the business of selling the products that people used, and attached to their networks to backup data. So we sold the hardware. We were actually at a while we were out at Salomon Brothers at that time, they existed still in New Jersey, and Rutherford, and one of the people was talking to us about backups and the fact that if anything happened, at the trading floor in New York, they actually had two additional backup sites in Florida, somewhat underground, so hurricanes couldn't get to them. But they said, We don't dare even be down for a second, we would lose millions of dollars a second if we weren't able to stay up all the time. So the pressure had to be even for you incredible.   Catherine Morgan  11:41 Yes, it was. And obviously, we're humans and mistakes were made. But they were rectified quickly. And you made as few of them as possible.   Michael Hingson  11:53 Yeah. And the people who could deal with it and fix whatever needed to be fixed, could stay around, and the people who made too many mistakes would be gone. Quickly. But you still have your hearing. So you survived. Did you have any way to protect your hearing? Did you have a headset or anything?   Catherine Morgan  12:12 No, we didn't really think that back then there were some people who are on headsets? I did not. And my my hearing is a little wonky. It might have been the rock concerts, though. I can't necessarily blame the trading floor.   Michael Hingson  12:30 Okay. Well, so how long did you do that?   Catherine Morgan  12:35 Almost five years. Wow,   Michael Hingson  12:36 you did it for quite a while. What caused you to switch?   Catherine Morgan  12:41 Well, oddly enough, I'm not good at math. I have a really good memory. And I'm a really good parent. So I was an excellent phone clerk. But I was never going to make that jump to the next level because I'm terrible with math. So I left that. And I went to work for a technical analysis software firm in New York, selling or supporting trading systems and traders because I understood how to talk to these people. And they, they do need somebody who understands their personality types and their language. So I did quite well with that spent the next phase of my career in market data and trading systems and that sort of thing.   Michael Hingson  13:25 So did you do that from Chicago? Or did you move back to New York?   Catherine Morgan  13:29 I moved to New York, and stayed there for four years, and then came screaming back to Chicago and I left.   Michael Hingson  13:38 All right. So which place has better pizza Chicago or New York?   Catherine Morgan  13:43 They're utterly different. I almost think they should have different names. Yeah. They're utterly different. A New York just flat white pizza, is God's gift to pizza, in my opinion. And then, you know, there's the deep dish or the stuffed or the, I don't know, there's so many different kinds of Yeah.   Michael Hingson  14:04 Yeah. And they are different and it is unfair to compare the two. I agree. So we should just have both of them around. It's okay. So you went screaming back to Chicago, and did what   Catherine Morgan  14:21 I was still in the market data. I went to work for a company selling trading systems and market data. And I was selling down on this the CBOE floor and the Chicago Stock Exchange and the Merc so I was very comfortable going down and talking to traders on trading floors or going into trading rooms, which, you know, as a woman in especially in the ad, well, that was nowhere in the 90s. You know, I was the only woman in the room almost always throughout my career, because it was a back then quite a male dominated industry. Yeah.   Michael Hingson  15:02 So, you How did that work out for you, though? Did were there challenges? So you worked out pretty well. And it worked   Catherine Morgan  15:10 out really well, because I could often get in the appointment. And I, you know, they would try and do the rough and tumble thing with me. And I was just right there with them. So I was not once you worked on a trading floor, nobody can intimidate you. So you would they would, they would come at me. And, you know, because I looked really young and I was young. But they couldn't intimidate me. What kinds of   Michael Hingson  15:37 things that they tried to do.   Catherine Morgan  15:39 Um, I don't know, you know, just the coughing of a very successful trader, there's a little proving and posturing. And, you know, I, I made a million dollars yesterday and type of swagger II things like, you know, good to be you. Like, I hope your wife is happy, did you buy a boat, like I just wasn't faced with that sort of thing?   Michael Hingson  16:07 Yeah, it's all about intimidation. And, and they do have that kind of an ego. As I've mentioned, Salomon Brothers before, of course, the traders were even at Salomon considered the Cowboys. And I don't know whether there were any women or not, but and cow girls of Wall Street. And they did a lot of things that were risky, not in an illegal or wrong sense. But for example, they were one of the first to adopt Sun Microsystems products as workstations. And people really didn't know much about Unix, or whatever. And they're going, these are faster computers. And they, they were the, the innovators. So there's something not to be said, for having that ego, but for having the courage to explore, taking risks, and trying to improve a process, which also meant what they were trying to do is to get an edge up on their competitors from other companies, but they did it for a while.   Catherine Morgan  17:08 Exactly. Sun was the workstation of choice for all the risk management systems, it was the only one that really had the computing power needed for those types of systems that touched every aspect of the organization.   Michael Hingson  17:21 Right, because they were so fast and so versatile. And doing it in Unix gave them an operating system that had a lot of flexibility that that they needed. And I remember after September 11, we were involved with getting Wall Street back up and running. Because quantum made the backup products default standard, the ATL libraries and the super digital Linear Tape products and so on. So we, we saw a lot of things that people did, including IBM and sun cannibalizing employees, workstations, just to get them over two firms on Wall Street, so that within six days, they got Wall Street back up and running completely.   Catherine Morgan  18:06 Oh my gosh, that was a hot mess. We could spend the entire episode on that. But   Michael Hingson  18:11 yeah, yeah, I remember helping Morgan Stanley and they actually found a place over in Jersey City. They said they found a floor of the size of a football field. And they made that their new trading floor and they got workstations and everything. And within 36 hours, they had a complete replica of their original trading floor up and running, because we were able to give them the product so that they could restore all of their files, which is of course, one of the wisdoms of the Security Exchange Commission, you have to keep data for seven years. So all they had to do was to go to their site off site, get their tapes, bring them in and get everything set up. And when in fact they were all ready to go when Wall Street opened on the 17th of September, and all went pretty seamlessly. That's incredible. Yeah, it was an amazing feat to see all of that get done. But it's what they needed to do. And then that's, that's part of their skill sets. So well. So you you worked at all of that for a while and you continue to market and then what did you do? So you're in the 90s and partway through the 90s.   Catherine Morgan  19:25 Then I flipped so I spent about 15 years and in financial services doing what we just talked about. And then I went to work for the professional services firms. The consulting firms servicing the Financial Services vertical. So I worked for KPMG Arthur Andersen, Deloitte and working primarily with financial services but some other industries.   Michael Hingson  19:50 So when you say working with financial services, what does that mean?   Catherine Morgan  19:54 So I would go into one of the major exchanges and help with an opera ational risk assessment I would go to, you know, a large bank and look at the order flow process I would go to we did a bunch of random projects, our group was like a little SWAT team that mostly was focused on the capital markets, because that was our, where our senior manager had connections. So he was, that's where he was selling business.   Michael Hingson  20:27 And so what you were doing was to try to improve processes and make their their systems work more efficiently and more effectively.   Catherine Morgan  20:37 Some of that, and some litigation support work. So, you know, one company was suing their insurance company, or the insurance company was suing their client for whatever, and we would go in and dig through documents, but it was related to trading and to have pricing, you know, how they price the portfolio? So they needed people with expertise in the financial markets. No, I'm not a commodities person that was always on the equity side. But the people I worked with on my team were commodities experts say   Michael Hingson  21:15 it. Again, it's the kind of thing that has to be within the infrastructure of the system to help things work. Yes, but so you did that. And then what?   Catherine Morgan  21:32 Well, and then I decided that it was time to start my own business. And I was working with a coach. And my coach said, you know, that resume interview question coaching job search to help that you do to with friends and family and colleagues, you can get paid for that. And I saw,   Michael Hingson  21:56 what, what a concept,   Catherine Morgan  21:59 it hadn't occurred to me that that was a legit way to make a living and people would actually pay me for that service.   Michael Hingson  22:06 And so when did you start that?   Catherine Morgan  22:10 So in 2010, I left Deloitte in May. And I started point A to point B transitions, Inc, which is my company. And we have been helping professionals and financial services, professional services and technology, find new opportunities, great jobs, they love and not stop gap positions.   Michael Hingson  22:37 So as our technological infrastructure and environment grows, and so on, how is that really changed the whole process of job searches, looking for jobs, applying for jobs, and so on.   Catherine Morgan  22:54 And to some extent, it's everything old is new again, because the technology has made it so easy for people to apply for basically anybody to apply for anything, I jokingly call it spray and pray. But to spray and pray is there which means that employers are receiving, you know, tremendous amounts of applications, and may or may not, depending on the size of the organization, may or may not have the people in house to wade through this. So they may outsource it, which is the long way of saying that spray and pray mostly doesn't work. So it might work. If you're looking for a similar type of job in a similar industry, that's when the online application process is efficient. But you need to reach out to organizations, you need to reach out to people you need to get recommended in, you need to set up your profile. So you look magnetic for the type of role that you want. There's a lot of additional ways that you can source opportunities or be the one that's chosen. Because you have to keep in mind that depending on the size of the organization, someone is targeting, they may or may not have the responsibility of posting it publicly. So they may if they're a small organization who could not deal with the quantity of resumes they've received by posting a job publicly, they may just reach out to their network and say, Hey, we're hiring a sales manager, hey, we're hiring a marketing director, hey, we're hiring an intern and good people, no good people, and they'll they'll fill it that way. So you have to make sure that your top of mind for people so that if opportunities are uncovered, somebody thinks of you and sends it your way.   Michael Hingson  24:56 So in a sense, the process overall really hasn't changed.   Catherine Morgan  25:03 That's where I was going with SES, the technology has helped. And but the people who are going who are looking to make bigger changes, who are not just round peg, round hole candidates need to make the extra effort to reach out and find people touch people follow companies interact with companies cold, do cold outreach, those are the people who get good results.   Michael Hingson  25:31 And the advantage of technology is, it makes it easier to reach out, you don't have to put a stamp on an envelope and send it somewhere. Now you can do an email, but you also have to put the appropriate efforts into it to make sure that what you send will be seen.   Catherine Morgan  25:55 Yes, exactly. You have to make sure that you're relevant to the person that you're reaching out to. So it's not, hey, I have all this experience data. Why should they care? Yes, you're a leader. Like all of us, we're overwhelmed. We have a bunch of people reaching out for things. Why should someone care? Why are you the right candidate? Why are you interested? Why is are you a great fit for this position. So you always have to make sure you're positioning it for why the other person should care, because they're also busy, and they don't know you. So you have to, you have to make it seem like you're worth their time.   Michael Hingson  26:40 Yeah, it's, again, it's no different job interviews are sales presentations, by any standard by any definition. And so you have to learn to be the best at selling yourself. Otherwise, you're going to be left behind. And that's not a bad thing, because it's all about you looking at yourself and realizing what you can do. But it also means you have to research who you're applying to, to make sure that that you are a good fit. And again, that's not different than it used to be. It's just that now, there's so many ways to perhaps make that easier to do if you do it, right.   Catherine Morgan  27:19 Yes, I completely agree with that. But there's a bunch of people who just heard that and when act sales. So let me let me give you a door in so it sounds a little more doable and a little less scary. The way someone who comes to me and says, I don't feel comfortable talking about myself, I'm not positioning myself well. And I'll say, Well, if you don't do it, nobody's going to do it. So it's your job to present yourself as the best candidate, you're giving them the information, they need to see that you are highly qualified, and a strong candidate. If you do not present them with that information, you are doing them and subsequently you a disservice. Yeah. So if I just say you're presenting the information about your skills, why you're excited about the opportunity, why you're going to hit the ground running, why you've done something similar or you can come up to speed quickly. You need to do that so that they have the information they need to make the right decision that you are the right candidate or not.   Michael Hingson  28:39 Right. And I appreciate that. A lot of people Miko IQ sales. The problem is that the sales industry oftentimes hasn't done the right thing to teach people what sales is all about. Because real salespeople, good salespeople, and I come from a sales background. Real people do all the kinds of preparations that you're talking about. But also, the better salespeople know that, ultimately, their teachers and advisors and counselors and they look for what the customer if you will, or in this case, the person looking at job applications need and then have to make the decision about how and if they can make a presentation that will work. And it's also important and I've done it on a number of occasions and selling products, you have to look at will my product work? Will my product do what the customer needs because if it won't, I'll be doing everyone more of a disservice by trying to convince them to buy something that won't work. So again, I take a different view of sales and probably a lot of people do but it still is the real right way to do it.   Catherine Morgan  29:56 I completely agree and an unhappy cause Sturmer is burdensome to the organization and a reputation risk.   Michael Hingson  30:04 Yeah. And and people will hear about it if you do that kind of thing no matter who you are. Because even though there's a lot of technology, and there are a lot of people out there looking for applicants, ultimately, in any given industry, the network is relatively small, and people will hear about it if you don't do it, right.   Catherine Morgan  30:28 That was my experience, the Chicago trading community is very small. Miss rep, presenting our data on AI, you would have big problems.   Michael Hingson  30:40 I know as a person who happens to be blind, the other factor that we oftentimes see is though, the prejudice that exists on the part of people looking for employees or people to fill jobs, oh, you're blind, you can't possibly do that. How are you going to get to work. And today, we still see that kind of thing. But it used to be that it was probably even worse. And I know that oftentimes, I would debate do I say I'm even blind in a cover letter to go with a resume. Because if I didn't say I was blind, I might get a call back, the odds would be about the same as for anyone else. But if I did say it, I could probably be pretty much guaranteed I wouldn't even get a response. And there are so many ways to still do that today. And it still happens to a great degree, because the unemployment rate for persons who are employable with disabilities is still in the 65 to 70% range. So we tend not to really be too excited when we hear an unemployment rate of 3.5%. Because we know how hard it is for us, and how few of us actually get hired to, to do a job. And, and so the prejudices are still there. And so then, for me, what i i Come back to as a default is something I learned in a Dale Carnegie sales course, you have to turn that perceived liability into an asset, which if you do it, right also gains you a lot more attraction and a lot more likelihood of visibility with excuse me with the the potential people who are looking to to fill a position. And so for me, in a sales position, what I would say is, hey, look, I sell 24 hours a day to convince people to let me buy a house or fly on an airplane with my guide dog or even go grocery shopping. So do you want to hire somebody who just comes in for a few hours every day and sells? Or do you want to hire somebody who truly understands sales for the science and art that it is, and who sells 24 hours a day as a way of life? And that that actually got me a job interview and hired. And it because it worked? And it's true. It also separates you from virtually everyone else?   Catherine Morgan  33:11 Yeah, it gets you it makes you memorable, which in some cases is half the battle. How do you distinguish yourself as a piece of paper? Yeah, you know, I've had, I've had a similar situation with some clients who had Ms. And had summers obvious tremors and walked with a cane. So my suggestion to them was to just answer the question upfront, because what the employer really cared about is can you do your job? Is your your physical, you know, I can see the tremors? Is that going to affect your ability to do your work? And to just answer it flat out? Because that's what they're thinking? Like, it's the elephant in the room. Just talk to it?   Michael Hingson  33:58 Absolutely. And, and for me, the prejudice runs very deep, because the presumption is you're blind, you just can't do it. In fact, I went on an interview, and went by bus up to Los Angeles from where I lived at the time, and deliberately went on my own to the interview, because I didn't want someone driving me there. And the first question, even after all, that was, well, how are you going to get to work? So well, and I got that, right. So the answer is, hey, if I need to move closer, that's my responsibility. If you hire me, I need to be able to be here. And I recognize that I will make that happen. And I've proved or should have been able to prove to you today that I can do it. The problem is that the prejudice does run deep and it's a big challenge that we we all do face and even now today as a speaker. A lot of times I've got I've got a story about being in The World Trade Center on September 11, it helps but still, how do I distinguish myself from so many other speakers who are out there that are always looking for probably the same job of why should they hire me? I was very fortunate, about a month ago to read about someone who heard me speak in 2014. At an event in Nevada, the event on safety, preparedness and emergency preparedness and management. And just this January, he wrote an article specifically about that event, talking about how much he remembered and how much he valued. What he heard that day from my presentation. What, what an amazing kind of thing, how often are you going to hear from somebody who heard a speech nine years before and remembers it?   Catherine Morgan  35:54 Oh, my goodness, isn't that a speaker's dream, though, to inspire their audience and to, you know, be memorable and make a change like that? That's amazing.   Michael Hingson  36:06 Absolutely is true. And it was, it was a wonderful article. So I, I now tell people about that when we talk about the possibility of speaking, which is pretty cool.   Catherine Morgan  36:15 Course, it should be part of your packet. Yeah.   Michael Hingson  36:19 So you, you talk about the whole idea today of work and hiring, and, and so on. So the industry in some senses has changed a lot because of technology. But in some senses, the process is still ultimately the same. How do we get people to learn the process when they think that technology is just going to solve all their problems?   Catherine Morgan  36:49 Isn't that the question you should see the look of horror on my on people's faces, when I tell them, they should only be spending 20% of their time doing online applications? Because they think that they can sit behind, you know, in the relative piece of their house behind their laptop and get this job search done. And, and maybe, but it's unlikely. So when I tell them my time allocation on how you should be spending your efforts, the responses is generally Ack.   Michael Hingson  37:23 Yeah. But still, it's what they have to do.   Catherine Morgan  37:29 If they want to good results, if they want to, you know, have the equivalent of scratch off tickets, maybe they get lucky.   Michael Hingson  37:37 Right? Oh, about different age groups are you are you seeing as we have an aging population and more seniors or more people approaching seniors who want to continue to be in the workforce? How is all of this working for them, as opposed to younger people and in the next generation or later? And their more comfortable with technology? But still, how does it work between different generations?   Catherine Morgan  38:07 That is a juicy question. I joke that, you know, old dogs can learn new tricks and new technology, which sort of breaks the ice a little bit. A lot of my people I work with generally 45 to 62. So we are on the more experienced side of the spectrum. And mostly I have not found a technology barrier for them. You know, pretty much everybody says they should be better with Excel. But other than that, they're comfortable with with computers, they're there on them, they they get it. That may not be the perception of younger workers, they may need to go in and prove that or specifically talk to it, because to your point, it is a bias. But it the types of clients who are drawn to my work because of the industries I serve, don't tend to have that issue. But I recommend that people talk to it if they're really good with data analysis or if they know any types of coding or you know, whatever software CRM systems anything that they're mentioned it to just poke poke that balloon right there. Like that's not in the room anymore. I get that it ageism mostly isn't. And a lot of times it's self inflicted, which generally galvanizes a room when I say that.   Michael Hingson  39:43 Tell me more about that though, if you would, please.   Catherine Morgan  39:47 I will. Well, most of the people I work with are white collar professionals, who have a lot of jobs function expertise or industry experience. And I try to tell them that having more experience doesn't make you less valuable. So, is there ageism in the workplace? Some? If you want to get into Google or Facebook or one of the young sexy tech companies, yeah, maybe it's a problem. Other companies? No, it's not. The the real issue when you sort of pull it part is, is it an age issue or a wage issue? Meaning is your 1015 20 years of experience worth 2050 100 grand more to the employer? Now, if a more junior person could adequately perform that job function? It is not. ageism is a money question. And if you were the hiring manager, you would make the same decision. So the trick is to apply for jobs for which your experience is important. Your negotiation skills, your judgment, your years of industry expertise, you're having watched multiple market cycles there apply for the jobs where you're not competing against very junior resources, because that's usually what's going on and everybody's it's ageism, they didn't pick me. It's ageism. No, it wasn't it was a money question. And it's a junior role. Don't call it what it is.   Michael Hingson  41:38 Or you have to work to find a way to Well, one of two things justify a higher salary because of your experience, or recognize that you may not get as much money as you would like. But as you said, that's the the amount of money that the job will pay.   Catherine Morgan  42:02 Yes, and people who switch industries, for example, financial services, and technology tends to be paid better than other industries. So we have a very honest conversation, that should they want to switch industries, they are likely going to have to take a pay cut, once again, not ageism. It's just what the market value in that industry is.   Michael Hingson  42:28 But do you find that there are though age biases in anywhere in the workforce, I'm not going to hire older people, I want younger people who are more energetic, who are going to stay longer, or whatever the case happens to be?   Catherine Morgan  42:44 Sure there are, then you don't work for that company. It's, you know, how the pendulum swings from one side to the other. That was certainly the case, you know, several years ago, but we have an aging population, just the demographics of the population, the younger generations are not going to be able to fill in all the jobs, they're going to need to keep the workers in there longer. And the value that a more experienced worker can bring some times as the ability to participate in multiple job functions, is, you know, add value to this team, this team and this team and be good with it can be a very smart decision for employers. And I think that savvy employers are really starting to get that.   Michael Hingson  43:40 And savvy employees are starting to get that they need to make that point.   Catherine Morgan  43:47 Exactly. I joke because that's who I am, that you need to be applying for positions where the gray hair of experience is valuable.   Michael Hingson  43:58 Right. And that's really, ultimately it. The fact of the matter is that there's a lot of value in experience. But you have to make the case, just like with anything else, like as I talked about the issue of turning perceived liabilities into assets. And when you're dealing like with disabilities, one of the facts that can be very relevant. And again, you have to understand whatever environment you're applying for, but the one of the facts that could be very relevant is I know that the unemployment rate among employable blind people is in the 65 to 70% range. The fact of the matter is, if you are willing to give me a job, and you hire me, I'm going to be much more apt to not want to leave and jump ship like younger people often do because they just think they're getting a better opportunity. I'm going to stay somewhere that well. comes me and demonstrates that they value me for who I am, even though I happen to be someone who is blind, and there are actually a number of studies and a lot of statistics that show that to be true.   Catherine Morgan  45:13 Well, turnover is extremely expensive for companies. So making that point that I will be your dedicated, committed employee, if you are committed and dedicated to me, I think that's a great point to make.   Michael Hingson  45:28 It is, again, one of those things where it takes savviness on both sides. And some employers, as you say, do get it. And I think more and more people will perceive that over time. But I think also, for example, employees with disabilities need to be the ones to make that point. And to create that conversation.   Catherine Morgan  45:53 Yes, you need to have your talking points, practiced. Because, yeah, we were not used to having those conversations. Like I honestly think, Michael, that you are the first blind person that I've that I know, I know, people who have, you know, lost major portions of their eyesight. And I'm actually working with a client who's sort of navigating through that now. But I don't know anybody who was born, born blind.   Michael Hingson  46:23 So for you, well, well, in the the issue is that even if you have some eyesight, if you're low vision, then I use that as opposed to what most people use visually impaired, because I don't regard myself as impaired and I don't want to be equated to eyesight. And visually, I'm not different, because I just happened to be blind. So low vision or blind, it's like deaf or hard of hearing, as opposed to deaf and hearing impaired, Hard of Hearing is a much more appropriate term that's become accepted. And we haven't done that yet, with eyesight, but low vision, people will oftentimes find if they look at it, that if they learn some of the techniques that totally blind people use, and if they accept their low vision, nature, and use that as an advantage, they can be very valuable employees wherever they go.   Catherine Morgan  47:18 I totally agree. And I'm working with a woman in this situation right now. And she's fully functional, nobody would know anything different, as long as she's home with her setup. You know, the right kind of monitors the right kind of kind of things, her anxiety is if she has to go back into an office environment, she's not going to have the equipment that she needs to succeed. And that's, you know, a valid question. But remote working is happening available more and more. And companies, you know, may be willing to make, you know, accommodations, more and more, I keep trying to tell her that it's possibly less of an issue than she thinks, but we'll work on our talking points, and we'll make sure that she's comfortable and presenting herself and I just don't think it's gonna end up being a problem for her.   Michael Hingson  48:08 Well, it doesn't need to be if even if she wants to go or if she's willing to go back into an office environment and needs certain kinds of equipment. The reality is, there are a lot of ways to get that in one state rehabilitation agencies are tasked with making people employable, and can help purchase equipment to, and I think philosophically even more important, whether it always can be used is why should the cost of business be any different conceptually for bringing a person with low vision into the employment environment? Why should that cost of business be any less or any different than what you do for sighted people by giving them computer monitors, computers, coffee machines, electric lights, so they can see how to walk around? The fact of the matter is that you know, in reality, so a person needs a magnifier or closed circuit, television type device.   Catherine Morgan  49:10 It's too new for her. It's still very raw. But should she'll be fine?   Michael Hingson  49:15 Yeah, but all of that is true, but there are places and ways to get the funding. The fact is that under the Americans with Disabilities Act, it is appropriate to explore with companies providing alternatives to what most workers use, and it should be part of the cost of doing business. We never view it that way, though. But that's a growth area for employers to work on to.   Catherine Morgan  49:42 I'm hoping that that's changing. I'm hoping that we're going to augment what is quote unquote normal and you know, with neuro diversity and people with disabilities, you know, I It's my hope.   Michael Hingson  50:01 Yeah, it's, it is a process. And it's new for her because she's not used to operating in a different environment or with different tools and with a different mindset. But that is still now part of her life. And here's the other part. And I don't know anything about what causes her eye condition. But she may lose the rest of that eyesight. And then she's going to have to learn all over again, which is another reason that I talk about the fact that this is the time, people should learn the techniques of what blind people use, because the odds are, if she started to lose eyesight, she's gonna lose the rest of it. And then you go through another psychological crisis again, unless you deal with it sooner rather than later.   Catherine Morgan  50:46 Maybe it maybe at some point, I can ask you to give some of your hard won knowledge to her. She's a very nice woman.   Michael Hingson  50:53 Sure, we can we can talk about that without doing it on the podcast. So nobody else needs to hear. But we could, we could certainly do that. But the reality is that, that eyesight or lack of eyesight isn't the problem. On either side, its attitude. It's philosophy, it's our perceptions, and misconceptions that create most of the problems. I agree, which is always a different issue. So you know, we talk about working and so on. And this reminds me of a situation just recently, I did another podcast interview with someone. And we were talking about work. And specifically, we were talking about work in the United States, as opposed to work in other countries, where in other countries, this person said, it would appear that people aren't so focused on just working, that they, they appreciate relaxation, they appreciate time away from work. And in the United States, it's all about just working and earning money. And that has to be an extremely stressful thing.   Catherine Morgan  52:10 It is an extremely stressful thing. And perhaps you're referring to Europe, when you're talking about well, among   Michael Hingson  52:17 other places. Yeah, it was she happened to be referring to Europe, she actually originally lived in the Soviet Union. And another observation she make made is that when the Soviet Union fell, people were presented with a crisis that now they had to make choices for themselves, whereas within the Soviet Union, they didn't have the opportunity to choose anything for themselves, which created another crisis. But she was observing with Europe and other been a number of other places, but primarily, I think she was referring to Europe.   Catherine Morgan  52:48 Yeah, well, this American hard work ethic, I think, has come back to bite us. Hard work is good. I am pro hard work I. But the badge of busyness or overworking added as a status symbol is a big problem right now, in the United States, as witnessed the rise of just stress, anxiety, depression, autoimmune disease is just, it's not working for us anymore. We need to respect the fact that we are humans, and we need to recharge. We're not just people who work we have a personal lives and family and hobbies and other things that we should do. I just this, we have a big problem here and we need to reorient how we think about the place work has in our lives. One survey I saw said 65% of people felt that the pandemic meaning 2020 and 2021 made them stop and rethink the place that work has in their lives. And going forward. A lot of people are recreating something different. They're willing to work, they want to work, but they also want to see their kids. They also want to spend time with their partner. They also want to be able to cook dinner and workout.   Michael Hingson  54:24 So you think we'll see that pendulum kind of switch a little bit?   Catherine Morgan  54:29 I think we have I think that's a big part of what caused the Great resignation and the great reshuffling in 2022.   Michael Hingson  54:35 How about employers? Are they recognizing the value of doing that? I mean, like as I understand it, in France, for example, in August, people basically are supposed to take the month off and in other countries over there, do these these kinds of things. Are we going to get to the point where we'll more value the idea of as employers having people be able to take more time off, or I think this is something that we're starting to see a little bit, being able to work more remotely, which gives us some of that opportunity.   Catherine Morgan  55:13 Yes, smart remote working as opposed to never fully disconnecting, we need to make a distinction between the two of those, because I'm, I'm all about remote work. But what that can mean is that you feel like you're on 24/7. So if you're replying to emails at 2am, this remote word thing isn't working in your favor. But your point was around taking time off. And I think employers who want people to stay and to not have to replace and retrain workers will need to adopt that to keep their highest performers, because the highest performers can go anywhere. And they're going to stay at organizations that support, you know, a more robust work life balance.   Michael Hingson  56:08 Do you think in our environment, there is room for both sides, employers and employees to recognize that, although one needs to earn a living money, isn't everything and there are other qualities such as working remotely or having more time off? Or having ways for people to relax? Do you think that that there is room for us to recognize that that kind of thing is relevant to and it isn't all just about money?   Catherine Morgan  56:43 Well, how about if I was able to try, unplugging, rejuvenating, resting, recreating to money, meaning if we don't have time and white space, to clear our brain? Great ideas don't come creative innovation doesn't come. Now, what makes companies money these days is innovative ideas. Well, if people are just on the hamster, wheel, Hamster, Hamster, Hamster, treadmill, treadmill, treadmill, they are not getting their best ideas. They're not thinking about different ways to change processes to leverage technology to scale to come up with the next iPhone or whatever. So I think if we can somehow slip the idea into C, C, the C suite, that if you let your employees rest in play, they're going to be more productive and come up with more innovative and creative ideas. Maybe we make it work.   Michael Hingson  57:52 Do you think we're seeing some of that or that we will see some or more of that.   Catherine Morgan  57:58 We're seeing it and lip service for sure. You're starting to see website copy that talks about wanting employees to have work life balance. I have a former client who's working at an at an ad agency, which is that's an industry that's notorious for beating up their people. And she says that her agency is insists that employees keep to a 40 Max 45 hour week. And if they report too much time, they ask the employee what kind of help they need to get the workload back to something manageable that can be completed in a reasonable work, then she almost fell off her chair.   Michael Hingson  58:42 Wow. That's that is pretty unusual. But refreshing, isn't it?   Catherine Morgan  58:47 Oh, that made that lighter future forward. Wouldn't that be great,   Michael Hingson  58:52 wouldn't it though? How about retirement? We've got a lot of places a mandatory retirement age at 65. And I don't know whether it's as mandatory as it used to be but should should everybody, everyone retire? Or how about that to go?   Catherine Morgan  59:14 Well, I think like everything one size doesn't fit all. So the people who are excited about their retirement and are planning to do whatever they're planning to do should go do that. But retirement for a lot of people is not a great idea. Example, somebody whose identity is very much tied to their work and their position or their title or their you know, if you're a doctor, if you're a lawyer, you're known as Dr. So and so you're known as so and so the lawyer. If you no longer have that in your life, you can feel untethered and lose your identity and Don't be bored out of your mind, or sink into clinical depression fairly quickly. So if you love your work, and you are energized by it, and it's a big chunk of your identity, a traditional retirement can, can be adverse for you like, I don't recommend it. But you know, there may be a balance to be struck once again, maybe you don't want to be working full time. My cousin was a doctor, a pediatrician, her whole career. And now she's working two, two and a half days a week. And that's the nice balance that she wanted to strike. But she's got to be in her mid 60s. So you know, that's what she wanted to do. My grandmother sold real estate until she was 87. She said it kept her young and out of doctors offices, all her friends were rich and didn't have to work. And she said, they spent all their time going to doctors. So there's something to be said, you know, if you're that type of person, and you like what you're doing, you might want to keep doing it.   Michael Hingson  1:01:05 Of course, there is the other side of it, which is maybe some people should retire for one reason or another.   Catherine Morgan  1:01:11 Absolutely. Like I am not. I don't think there's one prescription that's going to work for everybody. I have a couple friends who are like I'm never retiring and another couple of friends who are really looking forward to it. And they have, you know, specific plans for travel or grandchildren or mentoring or teaching or, you know, whatever. It's great, but I don't I don't think we can prescribe. Okay, you're 65 your value in the marketplace just ran out? No, you're likely it didn't. Now someone who has a physical job if they're lifting heavy cabinets and stuff, yeah, you might have to adjust and maybe be the project manager or the foreman or something. Those aren't generally people I work with. But you know, if there's physical constraints, that's a little different conversation, but as a sprain renters, I have had a lot of people who stayed at their company for 20 years, were eligible for their pension rolled out and call me six weeks later saying, Oh, my God, I'm so bored helped me get a job.   Michael Hingson  1:02:17 I have a nephew who worked for Kaiser Permanente for oh my gosh, oh, well, more than 30 years and retired in 2021, or 2020. stayed away for most of the year and decided that he was bored and went back to work. We didn't think it would last and it didn't he really he just retired again at the end of 2022. But he his situation is that he had to drive like 4550 miles to work every day, up over Cajon Pass and come down and the driving is horrible. And now especially after a pandemic, it's even worse, because he'll take two hours sometimes to get to work each day. So he's decided that now it's pretty good. And he went back to work because they asked him to come back. And they'd like him to come back again. And he said Not unless I can do it here. Yeah, well, not only remote, but there is a facility. There isn't a Kaiser hospital and he was administrator of portable hospital. But he could do most all of his work from the the Kaiser clinic here in Victorville. Or he could do it remotely. You're right.   Catherine Morgan  1:03:32 Okay, so that's just, let's be smart about this. Would you rather have somebody who's really good at their job that you trust? Who can you know, do it? I don't know, companies are going to have to get a little smarter about who really needs to be in the office who wants to be in the office, because some people are natural extroverts, and they're dying to go back to work. And then there's, there's some people like me, who are super happy to be working remotely, and always have been.   Michael Hingson  1:04:03 I'm used to remote to a large degree. So it doesn't, it doesn't bother me and getting to do the podcast is great to be able to do remotely. So I'm, I'm comfy with that. Well, we have to talk about the fact that you have a book and it is now out. And tell us about that, please.   Catherine Morgan  1:04:21 Well, my book is called this isn't working, evolving the way we work to decrease stress, anxiety and depression. So the question is, how do you make a book that has the words stress, anxiety and depression and the subtitle not make people run for the door going ACC? So how do you make where's the door and how do you make it, you know, friendly, helpful, engaging, and I got very lucky because my designer did a tremendous job. And it's, it's funny, people look at the title and just burst out like Laughing. So that was that's one way in. The other way in is my signature, empathy, snark and storytelling, which is what people people say that the book is just like having a conversation with me. So if you liked this conversation, you'll probably like the jokes.   Michael Hingson  1:05:20 Nothing wrong with snark. Little snark doesn't doesn't hurt a bit? Well, you got some news about your book today.   Catherine Morgan  1:05:31 I did it. My little book was released. It's a small book with a big mission is my my goal for this book. And it is the number one new release on Amazon in the work related health category. So I'm very pleased to share that.   Michael Hingson  1:05:51 Well, congratulations. That is definitely exciting. And if people want to reach out to you, or get your book or just talk to you and learn more about what you do, and maybe seek assistance, or whatever, how do they do that? The best   Catherine Morgan  1:06:09 way to find me and interact with me is on LinkedIn. So I've actively posting there and reach out connect, follow me. And I'd love to talk about what's going on with your work situation and how we can make it better because with the great resignation, quiet quitting, the great reshuffling and the tech layoffs of 2023, clearly what we're doing is not working. And we have some ways to go to improve this,   Michael Hingson  1:06:38 you could write a book and that'll help to Hmm. Do you have a website that people can go to?   Catherine Morgan  1:06:46 Sure, it's a little long though. PointAtoPointBTransitions.com.   Michael Hingson  1:06:48 Point A to Point B, the number two or to   Catherine Morgan  1:06:56 point point A to point B   Michael Hingson  1:06:59 transitions.com.com. That's easy to remember.   Catherine Morgan  1:07:05 It is I tried it out in grocery lines and stuff before I registered for the URL. It's long, but people are like, Oh, point A to point B, people always talk about getting from point A to point B and   Michael Hingson  1:07:15 it's to transition   Catherine Morgan  1:07:18 transitions, and they're like, Okay, so it's long to type it out because I'm dyslexic. But everybody remembers said,   Michael Hingson  1:07:26 yeah, it's easy to remember. And of course.com. We do have some clue about that. So that works out well. Yeah. Well, I want to thank you for being here and talking with us. And hopefully giving people some great ideas. If you're looking for jobs or looking to hire or just giving you something to think about. We're really grateful that you were listening to us today. I'd love to hear your thoughts about what we talked about and get your opinion. So please feel free to email me email addresses real easy. It's Michaelhi at accessibe A C C E S S I B E.com. And for those who don't know, accessibe is a company in Israel that makes products to help make websites much more inclusive for persons with disability. So Catherine, we'll have to check out your website, see how accessible it is?   Catherine Morgan  1:08:23 You're gonna tell me it needs to rework I'm guessing, but I'd love to hear about it.   Michael Hingson  1:08:28 Well, we could talk about that it's really not expensive with accessibe to do anyway. But you can also reach out to me through our podcast page, which is www dot Michael hingson.com/podcast. And hingson is spelled H i n g s o n, we would really appreciate and I know Catherine would appreciate you giving us a five star rating and talking about this and talking about her book. So I hope that you will all go out and buy it and read it and that it will inspire you. But again, Catherine, I really appreciate you being here today and hope that you will come back and tell us more as time goes on because I'm sure that the world is going to change and we need to continue to hear from you about new trends and new ideas and this whole process.   Catherine Morgan  1:09:15 Thank you so much, Michael. It's been a joy talking to you today.   Michael Hingson  1:09:24 You have been listening to the Unstoppable Mindset podcast. Thanks for dropping by. I hope that you'll join us again next week, and in future weeks for upcoming episodes. To subscribe to our podcast and to learn about upcoming episodes, please visit www dot Michael hingson.com slash podcast. Michael Hingson is spelled m i c h a e l h i n g s o n. While you're on the site., please use the form there to recommend people who we ought to interview in upcoming editions of the show. And also, we ask you and urge

16th May: Crypto & Coffee at 8

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The Central Bank of Nigeria says it will bring up a regulatory policy framework for the implementation of cryptocurrencies in the country. The CBN would consider the development of a regulatory framework for the potential implementation of ‘Stablecoins,”. The bank added that It would also continue its watching brief on Initial Coin Offerings as well as work with the Security Exchange Commission to jointly develop a regulatory framework in the event of the adoption of an ICO-based investment solution. The Acting Director, of Corporate Communications, CBN, Osita Nwanisobi, says the ban on such transactions would not have any negative impact on fintech.

Pour plus de détails sur ces nouvelles et pour d'autres nouvelles: https://infobref.comPour vous abonner aux infolettres gratuites d'InfoBref: https://infobref.com/infolettres Pour voir en vidéo notre épisode hebdomadaire «à retenir cette semaine»: https://bit.ly/infobref-youtubePour des commentaires et suggestions, ou pour commanditer InfoBref Affaires: editeur@infobref.com ---TEXTE COMPLET[ni révisé ni corrigé à des fins de publication]4 Canadiens sur 5 appréhendent maintenant une récession.81% pensent qu'il y en aura une au Canada d'ici la fin de l'année, selon un sondage de la Banque de Montréal. En parallèle, trois quarts des Canadiens disent que leurs inquiétudes vis-à-vis de l'inflation a augmenté dans les 3 derniers mois. La population canadienne a augmenté de 0,7% au deuxième trimestre. Ce rythme de croissance trimestriel est le plus élevé depuis 1957, selon Statistique Canada.Un peu plus de 3000 personnes se sont ajoutées chaque jour à la population canadienne. 95% d'entre elles étaient des immigrants. Il y a eu une augmentation du nombre de résidents non permanent - (y compris des demandeurs d'asile, dont ceux provenant d'Ukraine); et aussiun rattrapage après de plus faibles niveaux d'immigration au début de la pandémie.Les investisseurs providentiels du Québec, - investisseurs providentiels, c'est l'expression que l'office québécois de la langue française recommande à la place des anges investisseurs - ont investi un peu plus de 85 millions $ dans des startups canadiennes l'an dernier, selon le dernier rapport annuel de l'association des groupes d'anges canadiens, la Naco. 85 millions, c'est presque 4 fois plus que les 22 millions $ investis l'année précédente, en 2020. La contribution des anges québécois représente près du tiers du total des investissements providentiels canadiensLe rapport que les femmes sont de plus en plus actives dans le milieu. Elles représentaient l'an dernier 27% des membres de groupes d'investisseurs providentiels, soit une proportion 2 fois plus élevée que 5 ans auparavant. Le prix des maisons devrait baisser de 2,2% en moyenne au Canada d'ici la fin de l'année, selon un rapport de Re/Max Canada. La firme de courtage immobilier s'attend à des cycles successifs de hausse et de baisse de prix «tant que l'offre de logement ne va pas augmenter».Ottawa investit 500 millions $ pour financer des projets privés d'infrastructures de recharge électrique et de ravitaillement en hydrogène pour véhicules à zéro émission. L'initiative est pilotée par la Banque de l'infrastructure du Canada. Elle vise à ajouter 50 000 nouvelles bornes de recharge publiques au réseau canadien, qui en comptait 22 000 le mois dernier.Elon Musk ne veut plus faire approuver ses tweets qui concernent Tesla. Ses avocats ont demandé à un tribunal new-yorkais de faire invalider une clause imposée en 2019 par la Security Exchange Commission et qui oblige le milliardaire à faire valider par un avocat ses tweets lorsqu'il s'exprime sur Tesla. Hébergé par Acast. Visitez acast.com/privacy pour plus d'informations.

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Mary Thomas Hart, National Cattlemen"s Beef Association"s Environmental Counsel discusses the Security Exchange Commission"s greenhouse gas reporting rule. During Hart"s interview on the Beltway Beef Podcast, she explains how this rule will create legal liability for producers and why the NCBA aims to derail it.

What's in the Security Exchange Commission's proposal for new cybersecurity risk management rules for investment advisers and investment companies? Let's find out with your hosts Kip Boyle, vCISO with Cyber Risk Opportunities, and Jake Bernstein, Partner with K&L Gates. You can find the SEC's Fact Sheet and proposed Rules here -- https://www.sec.gov/news/press-release/2022-20

What is an accredited investor? What is the difference between being accredited or not?  Are you one, and if not, how do you become one?  Steven dives into all things about being an accredited investor to answer these questions and more. Key Takeaways:There are three simple tasks that the Security Exchange Commission has put out that determine whether or not you're accredited.Your approximate net worth helps sponsors determine the right investment opportunities for you.If you are non-accredited it is important for you to build a relationship with the sponsor so that they can determine if you are a good fit for the current investment opportunities that are open.

Bankless Fan and SEC Commissioner Hester Peirce comes on the podcast to discuss tokens, DeFi, 'self-driving banks,' and regulation. ------

Anyone who knows anything about government, in general, knows that it likes to grow. This was true before Alexis de Tocqueville identified that principle in his massive masterpiece Democracy in America and it is no less true now. The only thing that really changes is what direction it’s trying to grow in.  One direction you can always count on government growing is towards anything that is currently outside of its reach. One of those areas right now is blockchain. Blockchain is a decentralized system of currency and information exchange not tied to any one government or its currency. Which of course means that it is not regulated by any government and that in turn means that the government doesn’t much like it.  A while ago, we talked about a lawsuit that the SEC brought against the digital payment processor Ripple. That lawsuit was considered by many to be an attack on the entire cryptocurrency world. Now, there are signs that the SEC will be making further moves to try and regulate, or at least contain cryptocurrency to minimize its effect on the US and other economies.  We see this in the recent appointment of Gary Gensler to the head of the SEC.  Gensler comes with an impressive resume. He has served as chair of the Commodity Futures Trading Commission and at the moment is a professor at MIT. MIT may or may not be something you would immediately associate with blockchain but his focus is on teaching blockchain and digital assets. As such, he will be the first head of the SEC with extensive knowledge of cryptocurrency. However, is that going to be a net gain or net loss for those like TARTLE who push for decentralization? The signals are mixed. On one hand, Gensler has openly praised both bitcoin and blockchain technology, remarking on its potential to be a ‘catalyst for change’. However, he’s also talked about crypto and problems with fraud and manipulation. While we would never say there haven’t been at least some scams and manipulation in the crypto world, it’s dwarfed by issues with the stock market. Just look at all the insanity created by the Gamestop situation. A bunch of hedge fund managers were betting against the company’s stocks and shorted them, which of course drove the price down. Then a small army of independent investors, some of them amateurs getting into the market for the first time, disagreed and started buying up the troubled store’s stocks, driving them not just up, but through the roof. The result has been a small panic on Wall Street as some hedge funds teetered on the edge of collapse and of course, an ongoing roller coaster ride as Gamestop stock rises and falls in ways that have nothing to do with the company’s performance.  What this has done has exposed just how easy it is to manipulate the stock market if you have enough money to do so, or enough people getting together with a small amount of money each and acting together. Point being, the SEC might want to look into securing the Dow Jones before it goes adventuring into cryptocurrencies. Sadly, that is not the way things typically work. Despite the fact, blockchain is much more difficult to manipulate and commit fraud with than the traditional market you can count on the SEC to start poking around and trying to figure out how to manipulate the crypto market for its own ends.  How to prevent that? One way is to decentralize yourself from the system. Start educating yourself on cryptocurrencies and getting a little yourself. How to get some crypto, you ask? You can sign up with TARTLE and share your data. Payments are made with Bitcoin so just by sharing your data you are contributing to making the crypto world stronger and helping to decentralize your finances at the same time.  What’s your data worth? www.tartle.co

This week's episode breaks down the HEALS Act and the new amendments made to the Security Exchange Commission's proxy advisor rule. Hear from BPC Action's Michele Stockwell as she details the Senate Republicans' plan to boost the economy and get the country through the pandemic; and Tom Quaadman, executive vice president at the Chamber of Commerce's Center for Capital Market Competitiveness, who outlines the changes made to SEC proxy process and how they affect corporations' role in society.

Welcome to Finance and Fury, The Furious Friday Edition Last ep – lead up to the market crash of 1929 - and how thanks to central bank leveraging once removed – the market crashed Today – want to run through the internal political wars that were created – similar landscape to today Corporatism versus fascism – Private central banks versus the merging of the Government with Markets Has similarities to the modern era – with The New Silk Road and the Green New Deal   Start - The Living Hell that was the Great Depression Throughout the Great depression - unemployment skyrocketed to 25%, industrial capacity collapsed by 70%, and agricultural prices collapsed far below the cost of production accelerating foreclosures and suicide. Life savings were lost as 4000 banks failed. This despair was replicated across USA, Canada, Europe and Britain - the population was pushed to its limits making western countries highly susceptible to fascism and socialism/ communism ideals England saw the rise of Sir Oswald Mosley’s British Union of Fascists in 1932 Britain, Australia and Canada had its own fascist/socialist solution with the Rhodes Scholar “Fabian Society” and League of Social Reconstruction (which later took over the Liberal Party in Canada and Labour part in Aus) calling for the “scientific management of society” Mosley Fascists were more smash and grab power while Fabians were slow and steady In America as well - Time magazine was telling people that corporate fascism was the economic solution to all of America’s economic woes – 6 times in 1932 Was a wild political time - Communist parties, Nazi party – mass protests, rioting, damaging buildings and assaulting people – while not on the same scale - climate activist demonstrations today are acting out their perceived disenfranchisement – in the 30s it was real (living through the great depression) – while one is manufactured (world ending in 12 years) But With civil unrest came the atmosphere that one of the least understood battles unfolded in 1933.   Brings us to a political movement that isn’t really ever talked about - is another entity in the control sphere – never really gets talked about – could and have talked about commies, nazis, socialists, etc. – go check those eps out – but today want to narrow in on one type and its variants https://financeandfury.com.au/give-the-people-what-they-want-socialism-for-the-masses-the-human-economy/ https://financeandfury.com.au/cannibalism-nazism-and-property-rights/ https://financeandfury.com.au/furious-fridays-evil-capitalism-efficiencies-incentives-equal-opportunities-and-reducing-poverty/ Fascist/Corporatocracy versus the fascist/socialist – in this case – Central banks versus Roosevelt Corporatocracy is used to refer to an economic and political system controlled by corporations or corporate interests – an ideology which advocates the organisation of society by corporate groups In this case – the type of Corporatocracy is that of the financial system in the form of Central Banks and BIS (IMF in 1944 to try and solve this mess by more of what created it in the first place – very similar to today) But if you think about it – they both essentially want the same thing – complete control over individuals - just who is in charge is different   Let’s look at 1932 and how the Bankers’ Dictatorship Attempt went down – plans to overthrow FDR Franklin Roosevelt (FDR) won the presidency in America – He was described by many as a fascist – he was an authoritarian – but I would say he was more socialist – using the Government as his tool to implement his ‘New Deal’ Ideas were based off John Maynard Keynes – One of the engineers of the Versailles treaty talked about last Friday Keynes advocated the planning of a nation's economic life, political supervision of private industry, and manipulation of the currency – all of which required a massive increase in the size and scope of government at the time – today is a given but wasn’t back then Every Authoritarian loved this idea though – in Britain - first enthusiastic review by economist, Marxist and a founding member of the Fabian Society - G. Cole In America were government officials in Franklin D. Roosevelt's administration - The greatest strides in American socialism occurred under Franklin D. Roosevelt or arguably Presidents Woodrow Wilson, Lyndon Johnson But to pull these ideas off Roosevelt - threatened to regulate the private banks and assert national sovereignty over finance This would have been bad for the FED and the private owners of the central banks – would destroy their plans for global fascism – control of the monetary supply So the City of London Corporation needed a new global system controlled by their Central Banks Don’t let a good crisis go to waste - their objective was to use the Great Depression as an excuse to remove nation-states from any power over monetary policy – putting it in their hands and not national governments December 1932 - economic conference “to stabilize the world economy” was organized by the League of Nations under the guidance of the Bank of International Settlements (BIS) and Bank of England.  Remember - The BIS was set up as “the Central Bank of Central Banks” in 1930 in order to facilitate WWI debt repayments and was a vital instrument for funding Nazi Germany- long after WWII began. Bank of England was privately owned at that stage - Independent Central Banks as enforcers of “balanced global budgets” City of London with the Bankers organised the London Economic Conference Brought together 64 nations where a resolution passedby the Conference’s Monetary Committee stated: “The conference considers it to be essential, in order to provide an international gold standard with the necessary mechanism for satisfactory working, that independent Central Banks, with requisite powers and freedom to carry out an appropriate currency and credit policy, should be created in such developed countries as have not at present an adequate central banking institution. The Bank of International Settlements should play an increasingly important part not only by improving contact, but also as an instrument for common action.” Essentially – this was to deprive nation states of their power to generate and direct credit for their own development. FDR wanting control over the economy shut down the London Conference – Back in America - an assassination attempt on Roosevelt was thwarted on February 15, 1933 Gun knocked out of the hand of an anarchist-freemason in Miami resulting in the death of Chicago’s Mayor instead – But without FDR being killed – he still was in opposition - hence London conference met an insurmountable barrier FDR recognised the necessity for a new international system, but he wanted it to be controlled by Governments and not central banks After this the London Conference crumbled - FDR stated “The United States seeks the kind of dollar which a generation hence will have the same purchasing and debt paying power as the dollar value we hope to attain in the near future.” These words seem foreign in the Fiat currency of today – but the Brits drafted a statement - “the American statement on stabilization rendered it entirely useless to continue the London conference.” Around the same time - FDR’s War on Wall Street – in his inaugural speech on March 4th: “The money-changers have fled from their high seats in the temple of our civilization. The measure of the restoration lies in the extent to which we apply social values more noble than mere monetary profit”. Hence FDR declared a war on Wall Street on several levels, beginning with his support of the Pecora Commission which sent thousands of bankers to prison - exposed criminal activities of the top tier of Wall Street’s power structure who manipulated the depression, buying political offices and pushing fascism Pecora called this out - stating “this small group of highly placed financiers, controlling the very springs of economic activity, holds more real power than any similar group in the United States.” Pecora’s highly publicised success empowered FDR to impose sweeping regulation in the form of 1) Glass-Steagall bank separation (one Clinton overturned), 2) bankruptcy re-organisation (remove investment banks from the control of the corporate reorganisation process by eliminating the equity receivership technique and put Government in charge) and 3) the creation of the Security Exchange Commission to oversee Wall Street. FDR disempowered the London-controlled FED by installing his own man as Chair - forced it to obey Government commands for the first time since 1913 with Wilson Had the plan to get the US out of the economic slump through the New Deal – Four million people were given immediate work, and hundreds of libraries, schools, and hospitals were built and staffed From 1933-1939, 45 000 infrastructure projects were built – similar to Climate infrastructure plans and the Chinese Belt and Road Initiative today - But he needed money - So what did he do? Created a new lending mechanism outside of Fed control called the Reconstruction Finance Corporation (RFC) which became the number one lender to infrastructure in America throughout the 1930s – Similar to today with Climate funds – with the proposal of this to lend for infrastructure to help get out of the Depression This provided an alternative option between the central banks on Gold Standard and his own Government lending (RFC) – He needed to be able to create money out of thin air to pay for his New Deal program – hard under the Gold Standard This was done as he abolished the gold standard – remember GS constricted the money supply to an exchange of gold per paper dollar – limited how much he could spend on his public works – look at the history of Government spending to GDP from 30s Also – GS could be manipulated by the Central Banks – making it a financial weapon rather than a bonus to the system – Devaluations became a beggar thy neighbour policy – drop you currency peg to gold and you are more competitive due to lower cross exchange rates – France and Britain post WW1 and leading up to the depression – France was the last mover and lost badly in economic output Also – Gold Standard had no inflation – Central Banks with limited inflation can lead to a world where the commodity prices below the costs of production – so inflation was needed for producers to become solvent Gold standard held that back – inflation of money supply was capped by gold supply – would accumulate through surplus of trade increasing money supply – FDR imposed protective tariffs to favour agro-industrial recovery on all fronts ending years of rapacious free trade – Sound familiar? FDR stated his political-economic philosophy in 1934: “the old notion of the bankers on the one side and the government on the other side, as being more or less equal and independent units, has passed away. Government by the necessity of things must be the leader, must be the judge, of the conflicting interests of all groups in the community, including bankers.” See – it is a policy war between Central Bankers and Governments over control of us all – resources determine our lives – any number of resources – power, food, water, shelter, or money to buy these things – this is all a resource One does it monetarily/financially – the other does it on the physical resources and financially Government – controls taxes, charges, regulations on land, employment, what you can and can’t do – every part of your life Like any war – both sides fight back – as such wall Street set out to destroy the New Deal Example, JP Morgan asset - Lewis Douglass (U.S. Budget Director) forced the closure of the Civil Works Administration in 1934 resulting in the firing of all 4 million workers. 1931 - NY bank loans to the real economy amounted to $38.1 billion which dropped to only $20.3 billion by 1935. Remember – they were positioned to the crash - had 29% of their funds in US bonds and securities in 1929 but rose to 58% by early 30s - cut off the issue of productive credit to the real economy – i.e. business lending over speculation Bankers not limited to financial sabotage – there was Coup Attempt in America – which was Thwarted amidst the conspiracy – Attempted a fascist military coup which was exposed by Maj. Gen. Smedley Butler in his congressional testimony of November 20, 1934 – Same person who wrote the War is a Racket book detailing those who influence nations to start wars profit from them Butler had testified that the plan was begun in the Summer of 1933 and organized by Wall Street financiers who tried to use him as a puppet dictator leading 500,000 American Legion members to storm the White House. As Butler spoke, those same financiers had just set up an anti-New Deal organization called the American Liberty League which fought to keep America out of the war in defence of an Anglo-Nazi fascist global government which they wished to partner with – America was divided in this time period – lots of immigrants in USA were German At the time of the incidents, news media dismissed the plot, with a New York Times editorial characterising it as a "gigantic hoax" Truth is probably close to the middle – wasn’t a hoax but a real plot that was in the ‘testing the waters’ phase – As historians questioned whether or not a coup was actually close to execution, but most agree that some sort of plot was contemplated and discussed – how close to execution is unknown – conspiracy definition Coup thwarted - 1937 - FDR’s Treasury Secretary persuaded him to cancel public works – see if the economy “could stand on its own two feet” – at the same time Bankers pulled credit out of the economy collapsing – Two million jobs were lost and the Dow Jones lost 39% of its value - Industrial production index dropped from 110 to 85 erasing seven years’ worth of gain Steel fell from 80% capacity back to depression levels of 19%. This was no different from kicking the crutches out from a patient in rehabilitation and it was not lost on anyone that those doing the kicking were openly supporting Fascism or Nazis in Europe - remember Prescott Bush, then representing Brown Brothers Harriman was found guilty for trading with the enemy in 1942 – as he bailed out the bankrupt Nazi party But after FDRs death – Bankers got back on top – from 1944 once the IMF was established and the BIS got back in control – 1 year later FDR dies in office and things took off Next week – Finish with the world Today – Similarities taken from these episodes and apply to current political, financial and social environments Hopefully, you found this interesting - Thanks for listening today. If you want to get in contact you can do so here: http://financeandfury.com.au/contact  

Philippines SEC (Security Exchange Commission) issues draft rules for Digital Asset Management platforms, including requirements for cybersecurity policies.

Chad and JP crack open an Aquafina and a Diet Coke at McLeod Software's User Conference 2018 and discuss the Elon Musk / SEC drama over the weekend, exciting new features added to McLeod's PowerBroker, project44's new capital raise, the McLeod Data Science Initiative, and Walmart's blockchain partnership with IBM. We're proud to say that this episode was brought to you by McLeod Software.

The path to a great future is paved with money. But to have money you have to manage it properly. To manage it properly you need to find somebody that you can absolutely trust to do what’s best for you. Like a fiduciary. But the problem is, that people say they are fiduciaries, when they really aren’t! In this episode, we tell you how you can determine who is really a fiduciary and who is not. We also reiterate why you cannot predict the market. Squiggly lines do not predict the future. There is no money magic. The sooner you stop believing that there is, the happier you’re going to be in your life and the smarter you are going to be with your investments. Are they always a fiduciary? The proposed SEC disclosure for brokers. Saving for college with the 529 plan. AT&Ts transformation and call options. Facebook and Twitter’s stock decline. Real investing versus speculating. We repeat: Don’t buy individual stocks! The future income payment scam. Three great ideas for retirement income. A potentially dangerous income investment. The extreme volatility of crytocurrencies? There is no market magic. Investors do not trade options Idiotic book titles designed to fool you Real Investing Journal — https://www.realinvestingjournal.com/ Vestory — https://vestory.com/ 401411 — http://www.401411.com/ Vanguard — https://investor.vanguard.com Better Retirement Guidebook — https://www.retirebetterbook.com/ Security Exchange Commission – http://sec.gov Financial Fysics on Amazon – https://www.amazon.com/Financial-Fysics-Money-Investing-Really/dp/1453898557 Financial Fysics on iBooks – https://itunes.apple.com/us/book/financial-fysics/id1416808165  Financial Fysics Free PDF – http://www.talkingrealmoney.com/freefify My 529 – https://my529.org/ Awaken The Accountant in You – https://www.barnesandnoble.com/w/awaken-the-accountant-in-you-master-the-accounting-basics-in-one-hour-gennaro-cuofano/1124779612 3 Great Ideas for Retirement Income – https://www.thestreet.com/investing/stocks/three-ideas-for-retirement-income-14664889 Ponax income fund – https://www.morningstar.com/funds/xnas/ponax/quote.html

There are many legal issues you must navigate when you conduct a real estate syndication. If you are not familiar with the Security Exchange Commission and their rules you may find yourself in serious trouble if you conduct a syndication incorrectly. But don't sweat it, this week on the show Gene Trowbridge, one of the nations leading syndication lawyers, walks us through the do's and don't's of successful real estate syndication. Don't be overwhelmed, just get the facts from the industry leaders. Want to find out more? So what are you waiting for? Be Bold, Be Brave, get educated, take action and go make a dent in the universe. If you want to see what my guests look like head over to my YOUTUBE channel: www.youtube.com/channel/UCuFEo0AY…iew_as=subscriber Head to my NEW website www.reedgoossens.com/podcast-investing-in-the-u-s/ to find links from today's show. Hit me up at info@reedgoossens.com if you want my FREE EBOOK! Take action, back yourself and go out and make an impact in the world! Follow me on: Facebook: www.facebook.com/reed.goossens Instagram: www.instagram.com/reedgoossens/ twitter: twitter.com/reedgoossens

If you own any type of cryptocurrency, do you have to pay taxes on it?  Tax partner Garrett Koerner of Tanner LLC discusses how the IRS treats Bitcoin, Etherium, Litecoin, etc.   And how about the Security Exchange Commission?  How do they want to regulate this imaginary form of money?  Host Heather Kelly gets a lesson in how not to get taxed or have the SEC come after her digital currency.  **After this episode published, the SEC determined cryptocurrency is NOT a commodity. ​ You can follow the show on Twitter @MoneyMakingSens and on Facebook.  And to see what Heather does when she's not talking money, go to her personal Twitter page.See omnystudio.com/listener for privacy information.

1. A few months ago, the Security Exchange Commission penalized Hitachi for inappropriate practices in their arrangement with Chancellor House, around Eskom. Now the AfDB is following suit. What does this mean for a fight for against corruption? 2. China and SA signed deals yesterday aimed at boosting trade and investment between the two countries. What does this translate to? Is it sufficient to address our challenges? 3. We often talk about household indebtedness, despite this it's always seem like a norm to be indebted. Would it help if we change the narrative?