Podcasts about skimming

Le prime pagine dei principali quotidiani nazionali commentate in rassegna stampa da Davide Giacalone. Lo sciopero di ieri e la guerriglia a Milano, il figlio di Grillo condannato, il voto per la revoca dell'immunità per Ilaria Salis. Spazio Donna Moderna. Parliamo di piccoli acquisti e dell'effetto che hanno sul nostro umore. In diretta con noi Giulia Scolari, di Donna Moderna. Spazio Esteri. Torna a trovarci Dario Fabbri, direttore di Domino. Don Antonio Mazzi, fondatore della comunità Exodus, regala ogni giorno un pensiero, un suggerimento, una frase agli ascoltatori di RTL 102.5. Ci occupiamo di uno sport molto particolare, lo Skimming (al secolo, rimbalzello). Su un'isoletta scozzese si sono svolti i campionati mondiali di lancio di sassi sull'acqua e una squadra italiana è arrivata al terzo posto. Ci siamo collegati con Andrea Cassinari, capitano della squadra di Skimming Mattia's Brave, che ha partecipato alla World Stone Skimming Championship. L'attualità, commentata dal direttore del giornale Il Foglio Claudio Cerasa. All'interno di Non Stop News, con Giusi Legrenzi, Enrico Galletti, Massimo Lo Nigro e Ludovica Marafini.

Today on the show McCafe Quick Fix 1 Mastermind Monday Rog V Bryce Builders Resilience Brekkie McCafe Quick Fix 2 Stone Skimming Champs KFC one Question Quiz Rog Whistles WInd Of Change

Début septembre 2024, une habitante de l'Ain a été victime d'une arnaque appelée "Skimming". En consultant ses comptes bancaires, elle constate un paiement de plus de 1800 euros dans un hôtel à Montpellier. Elle n'y a pourtant jamais mis les pieds ! Très vite, elle contacte l'hôtel par téléphone et le réceptionniste comprend qu'il s'agit d'une fraude. La police arrive sur les lieux et place les occupants de la chambre en garde à vue. À la suite de l'enquête, les policiers ont conclu que la carte bancaire de la victime avait été clonée à son insu ! Mais comment cloner une carte bleue ? Suis-je à risque ? Comment se protéger de cette arnaque ? Écoutez la suite de cet épisode de "Maintenant vous savez". Un podcast Bababam Originals, écrit et réalisé par Hugo de l'Estrac. À écouter aussi : ⁠Quels sont les "standards" de beauté les plus insolites de l'histoire ?⁠ ⁠Qu'est-ce que le "pretty privilège", ce facteur discriminant ?⁠ ⁠S'épiler les parties intimes augmente-t-il le plaisir sexuel ?⁠ Retrouvez tous les épisodes de ⁠⁠⁠⁠⁠"Maintenant vous savez".⁠⁠⁠⁠⁠ Suivez Bababam sur ⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠. Learn more about your ad choices. Visit megaphone.fm/adchoices

Cheating drama at the world champs!

LauRen's anniversary Is it skipping rocks or skimming rocks?Game of the day What lie did you use to call out of work?TV shows and Movie pet peeves3 in the QCCan't Beat LauRen War of the Roses LauRen's girls trip rewind... See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Man Allegedly Urinates in Movie Theater During 'Demon Slayer,' Beaten Up and Arrested Cheating scandal rocks world stone skimming championships Investigators are searching for a man they say robbed a popular Disney Springs restaurant by swimming up in scuba gear and a wetsuit and then swimming away after he stole thousands of dollars. An influencer has riled up thousands of people on TikTok after posting a video of herself making homemade pasta from scratch on a plane, 30,000 feet in the air. FOLLOW TNR ON RUMBLE: https://rumble.com/c/c-7759604 FOLLOW TNR ON SPOTIFY: https://open.spotify.com/show/7zlofzLZht7dYxjNcBNpWN FOLLOW TNR ON APPLE PODCASTS: https://podcasts.apple.com/us/podcast/the-next-round/id1797862560 WEBSITE: https://nextroundlive.com/ MOBILE APP: https://nextroundlive.com/the-ne.... SHOP THE NEXT ROUND STORE: https://nextround.store/ Like TNR on Facebook: / nextroundlive Follow TNR on Twitter: / nextroundlive Follow TNR on Instagram: / nextroundlive Follow everyone from the show on Twitter: Jim Dunaway: / jimdunaway Ryan Brown: / ryanbrownlive Lance Taylor: / thelancetaylor Scott Forester: / scottforestertv Tyler Johns: /TylerJohnsTNR Sponsor the show: sales@nextroundlive.com Learn more about your ad choices. Visit megaphone.fm/adchoices

The allegations really rocked the rock skimming world. Hour 4 9/17/2025 full 2131 Wed, 17 Sep 2025 22:00:00 +0000 I1frNc4o3v5mQjJfTC6DeoGNulET2SsV news The Dana & Parks Podcast news The allegations really rocked the rock skimming world. Hour 4 9/17/2025 You wanted it... Now here it is! Listen to each hour of the Dana & Parks Show whenever and wherever you want! © 2025 Audacy, Inc. News False https://player.amperw

#WHATSHAPPENING / A Bucolic Stone-Skimming Contest in Scotland Is Infiltrated by Cheaters / #WHATCHAWATCHING – ‘Love Con Revenge' Reveals the Scammers' Playbook.

Brittany brings us a wild scandal in a world that none of us event knew existed and Kendall is so pumped for Victoria's series. Also our Boss Amy swings by and won't tell us anything about Project Down and Dirty and Jenna Bush Hager just wants to eat and we get it. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

There was a cheating scandal revealed at a stone scimming championship!

We spoke to the recently crowned World Champ Jon Jennings to talk Stone Skimming controversies and our stone skimming competition!

Here are some of the craziest sporting stories from the past week!See omnystudio.com/listener for privacy information.

Cheating scandal rocks the rock skimming world championship. British Airways bans flight crew members from drinking coffee pretty much anywhere. Parents ordered to pay a $300k fine after their dumb drunk teenagers urinated in a hot pot pot at popular restaurant. // Weird AF News is the only daily weird news podcast in the world. Weird news 5 days/week and on Friday it's only Floridaman. SUPPORT by joining the Weird AF News Patreon http://patreon.com/weirdafnews - OR buy Jonesy a coffee at http://buymeacoffee.com/funnyjones Buy MERCH: https://weirdafnews.merchmake.com/ - Check out the official website https://WeirdAFnews.com and FOLLOW host Jonesy at http://instagram.com/funnyjones

Jennifer and Jacques discuss the federal government's recent Economic Reform Roundtable, commonly known as the 'productivity roundtable'.They discuss where it went wrong - though a good idea in principle, including assumptions that cutting costs for big business (e.g. via lower tax and regulation) will necessarily lead to higher productivity and not just bigger profits.The hosts unpick the notion of productivity itself, as measured by the Gross Domestic Product (GDP), which gives no or little value to most caring work and upaid environment protection.Finally they criticise the centrist push of our political leaders to do nothing meaningful.ReferencesRichard Denniss (2025) Dead Centre: How political pragmatism is killing us Australia Institute - Vantage Point Emma Holten (2025) Deficit: how feminist economics can change our world London: WH Allen - Penguin/Random

On today's Extra, Naked Swim, Tom's pool skimming, & Willie Learn more about your ad choices. Visit podcastchoices.com/adchoices

Ben and Nathan field a handful of questions with a common theme: they come from students who are moving too fast on the LSAT, attempting too many questions, and failing to understand what they're reading. In other words, they're rushing to failure. The solution is simple: Attempt one question at a time. If you miss it, review until you understand why. Then, move on to the next one. Slow down, skip all the gimmicks, and the LSAT becomes easy. ⁠Study with our Free Plan⁠⁠Download our iOS app⁠⁠Watch Episode 519 on YouTube⁠0:33 – Reading All Answer ChoicesSydney asks if she can skip answer choices once she finds her prediction. Skimming bad answer choices is fine, but you still need to glance at all of them. You also don't have to read every word. As soon as an answer starts moving in the wrong direction, eliminate it confidently and move on.8:35 – Master's Degree to Make Up for a Low GPA?Joe recognizes that his undergraduate GPA will hurt his admissions chances and is considering a master's degree to improve his odds. Ben and Nathan note that his 4.0 GPA in his senior year already shows he can succeed in law school. Graduate grades won't factor into his LSAC GPA. Joe should focus instead on removing bad grades from his transcript and getting the best LSAT possible.13:37 – Mean LSAT TweetsAfter a 144 diagnostic, Chris sends Nate an angry email. Ben and Nathan outline the Demon's resources for improvement—if Chris wants to use them. They also note that academically strong students often approach the LSAT like school: skimming, rushing, and relying on outside knowledge—habits that hurt scores.19:12 – Worst GPA You've Ever SeenRachel has a 1.73 GPA and just wants to get into law school. The guys commend her paralegal experience but explain that her only shot is with a strong LSAT. Given her situation, she should consider part-time or state-accredited programs to reduce cost and risk.26:41 – Two-Word Accommodation RequestA Reddit student gets 50% extra time for “severe anxiety” with a simple two-word doctor's note. Ben and Nathan highlight the ease of securing accommodations but remind listeners that they aren't necessary to succeed.34:30 – When to Take a BreakBlake feels burnt out after hours of daily studying with little progress. The guys point out that he's prioritizing quantity over quality. They advise him to skip September, focus on learning, and wait to take the official test when he's ready.43:17 – ABA JournalBen and Nathan scoff at the latest ABA Journal, which addresses loneliness, gambling addiction, and the California bar exam mishap just on the cover. Inside? A first-page ad asking lawyers to donate more money to the ABA with a testimonial from a dental hygienist. 50:10 – What's the Deal with Purdue Global Law School?Peter wants to know if Purdue Global Law School, a California-accredited law school, is worth applying to. 1:09:40 - Personal Statement Gong ShowSophia signs up as the next Gong Show contestant. In this segment, Ben and Nathan read your personal statement until they reach an unforgivable mistake, then they ring the gong. The number of lines to beat is 21—the record currently held by listener Danielle. 1:20:27 - Word of the Week - AmeliorateThe new tutoring program was designed to ameliorate students' struggles with reading comprehension.Get caught up with our ⁠Word of the Week⁠⁠ library. 

Send us a textIn today's episode, I'm diving into a topic every pool pro faces sooner or later — collecting past-due money. We've all had that one client who ghosts us when it's time to pay up. I'll share the systems I've put in place to stay ahead of overdue invoices, tips on how to communicate professionally (without sounding desperate), and ways to prevent getting stiffed in the first place. From clear billing practices to strategic late fees and auto-pay setups, this episode is your toolkit to get paid on time — every time Support the Pool Guy Podcast Show Sponsors! HASA https://bit.ly/HASAThe Bottom Feeder. Save $100 with Code: DVB100https://bit.ly/THEBOTTOMFEEDERTry Skimmer FREE for 30 days:https://getskimmer.com/poolguy Get UPA Liability Insurance $64 a month! https://forms.gle/F9YoTWNQ8WnvT4QBAPool Guy Coaching: https://bit.ly/40wFE6y Thanks for listening, and I hope you find the Podcast helpful! For other free resources to further help you:Visit my Website: https://www.swimmingpoollearning.comWatch on YouTube: https://www.youtube.com/@SPLPodcast Site: https://the-pool-guy-podcast-show.onpodium.com/ UPA General Liability Insurance Application: https://forms.gle/F9YoTWNQ8WnvT4QBA Pool Guy Coaching Group Join an exclusive network of Pool Service Technicians to access the industry's leading commercial general liability insurance program. Protect your business. Premium is $64 per month per member (additional $40 for employees and ICs) $59 per month for Pool Guy coaching Members - join here! https://www.patreon.com/poolguycoaching Limits are $1,000,000 in occurrence and $2,000,000 in the aggregate - Per member limits [ $1,000,000 per occurrence and $4,000,000 aggregate available for $75 per month ] $50,000 in HazMat Coverage - clean up on-site or over-the-road Acid Wash Coverage - Full Limits

Ever feel like you read your Bible...but don't really understand it? In this episode, we explore the second step of the EASY Bible Study Method: Assess the Main Idea. Whether you have just 10 minutes or a full hour for Bible study, you'll learn a simple, flexible approach to understanding Scripture that meets you right where you are: and grows with you over time. Click here to send us your email for our newsletter OR to send a message to the show! We have no way of responding unless you leave your email.Want to study God's Word for yourself? Try our In-Depth Bible Study Academy Click here to try a free mini-course!Support the show

(Disclaimer: Click 'more' to see ad disclosure) Geobreeze Travel is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as MileValue.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.  ➤ Free points 101 course (includes hotel upgrade email template)https://geobreezetravel.com/freecourse  ➤ Free credit card consultations https://airtable.com/apparEqFGYkas0LHl/shrYFpUr2zutt5515 ➤ Seats.Aero: https://geobreezetravel.com/seatsaero ➤ Request a free personalized award search tutorial: https://go.geobreezetravel.com/ast-form If you are interested in supporting this show when you apply for your next card, check out https://geobreezetravel.com/cards and if you're not sure what card is right for you, I offer free credit card consultations athttps://geobreezetravel.com/consultations!Timestamps:00:00 Introduction00:30 How to set award alerts using Seats.aero03:05 How to set award alerts using Roame05:30 Requesting personalized GeoBreeze tutorial05:50 How to set earning notifications using SaveWise08:15 Using CardPointers Plus for offer reminders09:35 Downsides of too many notifications10:10 Manual calendar reminders for Amex credits12:10 Filtering deal newsletters in Gmail14:30 Skimming newsletters without distraction15:15 Final thoughts You can find Julia at: ➤ Free course: https://julia-s-school-9209.thinkific.com/courses/your-first-points-redemption➤ Website: https://geobreezetravel.com/ ➤ Instagram: https://www.instagram.com/geobreezetravel/ ➤ Credit card links: https://www.geobreezetravel.com/cards ➤ Patreon: https://www.patreon.com/geobreezetravelOpinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post. The content of this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.

ใครกำลังเป็นแบบนี้บ้าง แม้จะอ่านข้อมูลมากขึ้นทุกวัน แต่กลับรู้สึกเข้าใจอะไรได้น้อยลง? จดจ่อกับสิ่งที่อ่านได้ไม่นาน พออ่านจบแล้วกลับลืมเลือนเรื่องราวไปได้เร็ว . ความจริงที่ซ่อนอยู่คือ คนไทยยุคนี้ไม่ได้อ่านน้อยลง แต่เรากำลังอ่าน "ผิดวิธี" ทำให้สมองเราไม่ได้พัฒนา และเซลล์ประสาทไม่เชื่อมโยงกันแบบที่ควรจะเป็น . ใน Mission To The Moon EP. นี้ เราจะไปดูกันว่าทำไมการอ่านแบบ "Skim Reading" ถึงทำให้เราเข้าใจน้อยลง และจะอ่านอย่างไร ให้สมองพัฒนาขึ้นจริงๆ ไม่ว่าจะเป็นการอ่านหนังสือ หรือแม้แต่การอ่านโพสต์ในโซเชียล . . #การอ่าน #สมอง #missiontothemoon #missiontothemoonpodcast

ใครกำลังเป็นแบบนี้บ้าง แม้จะอ่านข้อมูลมากขึ้นทุกวัน แต่กลับรู้สึกเข้าใจอะไรได้น้อยลง? จดจ่อกับสิ่งที่อ่านได้ไม่นาน พออ่านจบแล้วกลับลืมเลือนเรื่องราวไปได้เร็ว . ความจริงที่ซ่อนอยู่คือ คนไทยยุคนี้ไม่ได้อ่านน้อยลง แต่เรากำลังอ่าน "ผิดวิธี" ทำให้สมองเราไม่ได้พัฒนา และเซลล์ประสาทไม่เชื่อมโยงกันแบบที่ควรจะเป็น . ใน Mission To The Moon EP. นี้ เราจะไปดูกันว่าทำไมการอ่านแบบ "Skim Reading" ถึงทำให้เราเข้าใจน้อยลง และจะอ่านอย่างไร ให้สมองพัฒนาขึ้นจริงๆ ไม่ว่าจะเป็นการอ่านหนังสือ หรือแม้แต่การอ่านโพสต์ในโซเชียล . . #การอ่าน #สมอง #missiontothemoon #missiontothemoonpodcast

www.marktreichel.comhttps://www.linkedin.com/in/mark-treichel/FRAUD SCHEMES[00:41:00] Timeshare resale fraud targeting elderly[00:44:00] ATM "jackpotting" - new threat explained[00:45:00] Skimming device sophistication[00:46:00] Universal key vulnerabilities

Sam is calling in because he wants to know if what he is doing with his Uber Eats customer's food makes him the a-hole...

Sam is calling in because he wants to know if what he is doing with his Uber Eats customer's food makes him the a-hole... See omnystudio.com/listener for privacy information.

Borry's back from his swing with one less pair of jocks, we're entering the professional rock skimming competition and on a mission to make brekkys big again. A wild catch up as we cover everything that's happened since we've seen each other last: our trip to the No Limit Card in Cairns, our UFC companion and plenty more before we kick off in the news with some bangers, including the wild rise of Liver King over the past week. The Poo's Reviews is back and raunchier than ever and we finish off with the return of The Doghouse. Plenty of dribble in this one to pepper your ears. Enjoy trendsetters!Ever wanted to watch the Podcast? Check out full visual ad-free episodes and all of our vlogs on our Patreon for only 5 bucks a week. Our vlog from Sydney with Hello Sport has just dropped and it's the place to be for the upcoming PBR Origin and Five Rocks vlog: patreon.com/alphablokespodcastBetter Beer: The Zero Carb stubbies are perfect after a big day, available at Uncle Dans and BWS: www.betterbeer.com.auNeds: Whatever you bet on, take it to the neds level: https://www.neds.com.au/NordVPN Exclusive Alpha Blokes Deal https://nordvpn.com/alphablokes Try it risk-free now with a 30-day money-back guaranteeIf you want to keep up to date with what we're up to, the best way is to follow us on the socials down below:PODCAST INSTAGRAM: www.instagram.com/alphablokespodcast/PODCAST TIKTOK: https://www.tiktok.com/@alphablokespodcastPODCAST FACEBOOK: https://www.facebook.com/alphablokespodcast/Follow the boys on Instagram to check out their solo content too:Tommy: https://www.instagram.com/tomdahl_/?hl=enBandit: https://www.instagram.com/_thepoobandit_/?hl=en0:00 - Admin4:40 - Poo's Round16:40 - Rock Skimming22:30 - Alpha Blokes Stable29:30 - Pub Of The Week33:25 - Man Caves37:05 - Cookin'44:26 - Alpha News1:20:44 - Trendsetters Group1:22:00 - The Poo's Reviews1:40:00 - The Doghouse Hosted on Acast. See acast.com/privacy for more information.

Using an ATM, paying for petrol or shopping at a retail store are pretty routine things that many of us do on a frequent basis. But it's important to be aware of the often invisible threat posed by a criminal practice called skimming, which sees fraudsters clone bank cards.  Across the pond in the US, data analytics firm Fico reported a 96% increase in debit card skimming in 2023, and recent months have also seen prominent cases in the UK. Let's take a moment to understand what skimming is a little better, and go over the best ways in which you can protect yourself. Is it really possible to clone a bank card? Once they have my card details, how do they use them? Are banks doing anything to protect consumers? In under 3 minutes, we answer your questions! To listen to the last episodes, you can click here: ⁠How do sim swapping scams work?⁠ ⁠What is Quantum medicine and is it a scam?⁠ ⁠Why do web addresses start with www?⁠ A podcast written and realised by Joseph Chance. Learn more about your ad choices. Visit megaphone.fm/adchoices

Thinking patterns can make or break your career trajectory, and nowhere is this more evident than in how people approach new information. Our conversation today dives into the fascinating case of "Sal," a recent graduate whose dismissive attitude toward required reading reveals deeper issues with professional thinking.When Sal told their manager that important job documentation was "boring" and only deserved skimming, they unknowingly demonstrated one of the most career-limiting mindsets possible. We explore why the rejection of reading and learning isn't merely a personal preference but a subtle form of workplace defiance. Whether you prefer physical books with margin notes, e-readers for convenience, or audiobooks during commutes, the willingness to deeply engage with new information remains non-negotiable for professional success.The discussion moves beyond reading preferences to examine how early workplace behaviors reveal fundamental thinking patterns. What initially appears as simple disinterest often masks arrogance and resistance to organizational norms. We challenge the notion that completing formal education means learning is finished, highlighting how even CEOs must regularly do things they don't particularly enjoy for the greater good of their organizations. The conversation provides valuable insights for both leaders evaluating new team members and professionals seeking to advance their careers through improved thinking.Have you encountered someone who proudly proclaims "I don't read"? Or perhaps you've worked with someone who believes their prior education makes ongoing learning optional? Share your experiences with these thinking patterns and how they've impacted workplace success in your organization.

Remember to follow us on Social Media! Grazie Mille! Instagram Facebook  In this episode, Tommaso discusses how to manage cyber and personal security risks while traveling, particularly in tourist hotspots. He shares practical tips to protect against scams and pickpockets, ensuring a safer travel experience. Key Points: Cybersecurity Risks: Travelers are prime targets for cybercriminals due to their reliance on public Wi-Fi and charging stations. Skimming devices and compromised Wi-Fi routers are common methods used to steal personal data. Criminals are getting more sophisticated with phishing and vishing schemes Personal Safety: Pickpocketing is prevalent in popular tourist destinations like Rome and Venice. Organized criminal groups operate strategically, often with women performing thefts and men watching for law enforcement. Large crowds and momentary distractions provide ideal cover for these activities. Episode Highlights: Cybersecurity Tips: Avoid using public USB charging stations due to the risk of juice jacking. Use a portable charging brick and a backpack with an external charging port. Use cellular data or an eSIM instead of public Wi-Fi whenever possible. Use a VPN to encrypt your internet traffic, especially on public Wi-Fi. Only use ATMs inside banks to avoid skimming devices and shoulder surfing. Personal Safety Tips: Be aware of your surroundings, especially in crowded areas. Use money belts and hotel safes to protect valuables. Avoid showing off expensive items like jewelry. Keep wallets in front zipped pockets. Resources and Links: The link below will help you extend your phones batter life while traveling. https://www.makeuseof.com/tips-to-help-iphone-battery-last-while-traveling

What does drinking your parents booze at 16 and weight loss have in common??? Let me tell you!

North Korean IT worker army expands operations in Europe Stripe API skimming campaign unveils new techniques for theft Verizon call filter API flaw exposed customers' incoming call history Thanks to today's episode sponsor, Qualys "Overwhelmed by noise in your cybersecurity processes? Cut through the clutter with Qualys Enterprise TruRisk Management. Quantify your cyber risk in clear financial terms and focus on what matters most. Actionable insights help you prioritize critical threats, streamline remediation, and accelerate risk reduction— while effectively communicating impact to stakeholders. Empower your cybersecurity strategy with tools that drive faster, smarter, and more efficient risk management. Your secure future starts today with Qualys Enterprise TruRisk Management. Visit qualys.com/etm for more information."  

Steven Trotter, an experienced education leader, has spent over a decade as a principal, system leader, and senior leader. His book, The Art of Skimming Stones, introduces the SKIM Model—a practical approach to sustained school improvement. Unlike traditional leadership frameworks, SKIM focuses on intentional, subtle shifts that drive meaningful change. With a passion for professional learning, He equips educators and leaders with actionable strategies for lasting impact.  

Kroger makes another round of layoffs. The feds bust a gas station credit card skimming ring. And Sprouts Farmers Market opens five new stores in Florida.

Skimming expressions or words can be dangerous. Learn how to avoid making critical mistakes by jumping to conclusions. #ThePitch #INICIVOX #VirtualMentorship

Protecting Your Family from Credit Card Scammers   In this episode of The Secure Family Podcast, Andy discusses the methods scammers use to steal credit card information, particularly focusing on credit card skimming. He explains the process of how skimming devices steal your data and shares practical tips to safeguard your credit card, such as using ApplePay and inspecting card readers for skimmers. Take control of your data with DeleteMe. Because they sponsor the podcast you can get 20% off a privacy plan from DeleteMe with promo code: DAD.  Andy's new ebook is coming soon. Look for Level Up: The Parent 30-Minute Guide to Online Gaming Safety on February 12th! Connect

On our podcast, we have often talked about the Supplemental Nutrition Assistance Program, or SNAP. In many of those conversations, we've talked about the benefits and eligibility, and ways to improve the work that SNAP does to help low-income families meet their food needs. In today's podcast, we're going to turn our attention to a particular challenge, and it's the SNAP skimming fraud. To help us understand this and the larger context of SNAP, we have the great pleasure of talking with Salaam Bhatti, who is the director of SNAP at the Food Research and Action Center, or FRAC. Interview Summary So, let's provide a little bit of level setting for our listeners. Can you tell us what role SNAP plays in the lives of individuals who are facing low income or food insecurity? Yeah, Norbert, the problem with being in the richest, most powerful nation in world history is that we are facing a food and hunger crisis. We have the means, we have the resources to solve for it, but we haven't. For the record, the USDA, the United States Department of Agriculture, did a study last year. They do this study every year where they report food security in the country. In 2023, 86.5 percent of U. S. households were food secure. The remaining 13.5 percent, which is 18 million households, were food insecure. And this was an increase from 2022. So, 86.5 percent of food security is barely a B+. To be in the most powerful wealthiest nation in the world and we're barely getting a B+ in this space is unacceptable. And so, we saw some really interesting policies happen during the pandemic. We saw emergency allotments come in for the SNAP program, where all households received the maximum benefit amount for their households. And that, unfortunately, sunset. When that emergency allotment was in place, food insecurity-surprise, surprise-decreased. But not just that, we also saw Medicaid healthcare spending costs decrease as well. Because who would have thought that when people had food security, they didn't need to go to the emergency room because their blood sugar was low. So, we're experiencing a lot of challenges where we've seen the government show its hand that it can end poverty. It can end hunger. It just chooses not to. We know that SNAP is an entitlement program. It's available to anyone who meets the eligibility requirements. But we know that everyone who's eligible doesn't participate in the SNAP program. Can you help us think about how more people can be enrolled who are eligible. And maybe we even need to think more broadly about what is eligibility? What are your thoughts about this? In a given month these days, about 42 million people participate in SNAP. That's a lot of people. I would say that 42 million people are participating in it every day, but unfortunately, SNAP benefits do not last the whole month. By the third week of the month, people's SNAP benefits have been exhausted. Now, taking a step back, in case the listeners don't know how SNAP benefits work, it's a, as you said, a government program. And it comes in the form of an electronic benefits transfer card, an EBT card. It looks like a credit card, looks like a debit card. But really, it's more like a hotel card key, because it doesn't have the security measures, which we can talk about later in the show. It doesn't have the security measures that a credit and a debit card have. It is essentially a glorified hotel key. It's got the magnetic stripe on the back, circa 20 years ago. Maybe 15. I'm dating myself. I don't know how long ago it was we were swiping the cards. But all you gotta do is you swipe the card and you type in your PIN. And then you can use it at the EBT retailer. That is in a nutshell how 40 million people are utilizing SNAP benefits every single month. The program itself is also vital to retailers as well. We've seen that every dollar of SNAP benefits generates about $1.54 in economic activity during an economic downturn. So that means that when somebody is using their SNAP benefits at the grocery store, it's helping that grocery store keep the lights on. You know, employ the cashiers. And we need to employ cashiers, enough of this self-checkout stuff. It helps to pay the truck driver who's transporting the produce to the store. And it ultimately even helps pay the farmer for growing the crop. So, it's a great investment from the federal government into not just our households to help them put food on the table, but really into the whole local economy. And it is immediately used directly by the people and helps so many people. Now so, to your question about how do we enroll more people? Well, luckily we are at a time where the USDA reports that in the fiscal year 2022, 88 percent of eligible individuals were participating in SNAP. And that is the highest participation rate we've seen since they started tracking this in the past 50 years. That's great. But again, it's just a B+ so we can do better. There is room to improve. In the study, it showed that older adults, those who are over 60, they're participating at lower rates with only 55 percent of eligible members in that age category participating. We also have so many military families and veterans who are eligible, but don't participate. This SNAP gap is something that our partners are working throughout the states, throughout the entire country. We're working in partnership with a lot of federal agencies and partners as well. So, how do you ultimately close the SNAP gap? We're seeing a lot of targeted outreach. Seeing a lot of education efforts, but, you know, with 88 percent of eligible people participating, what's going on-on the local level? And unfortunately, Norbert, we've seen that state agencies which administer the SNAP program are unfortunately understaffed and they're underfunded. I used to be a state advocate at the Virginia Poverty Law Center. And when I was, hustling in the halls and lobbying for a million households with low income, I became friends with our social services agency because we had similar goals. We wanted to help households with low income. And we came to learn that the agency that we are relying on to administer the program was never getting their budget met by the legislative assembly. So, what we did was we got into partnership with them to advocate for their budget so that they could retain their staff, and so that the staff could do the job. That is something that we have to do across the states. Support these social service agencies in getting the funding so that they can have the staffing so that they can administer the programs in a timely way. Unfortunately, I don't know if you've seen this but earlier this year, the USDA Secretary Vilsack sent out a letter to like 44 state agencies, including D. C. and Guam. Being very concerned about their timeliness issues because they're supposed to complete the application reviews and determine eligibility within 30 days. And that's for a normal SNAP application. You have seven days for expedited applications. And 44 of these agencies were not meeting the mark. That's bad for, in terms of deadlines, but even worse for the families experiencing the food insecurity. So that is a very layered answer. It's the seven-layer dip answer of how we increase participation. Well, we need more staff to, to help that out. I hear that, and I'm really grateful for how you hit it at this point, and I want to draw a little more attention to it. While you talk about 88 percent participation, it looks different on a state-by-state level. Some states have a higher level of participation, other states don't. Do you think it's really the ability of those state agencies to provide that support, or do you think there are other factors that may be influencing the differential participation rates across states? Yeah, so we saw a big retirement, the great resignation, that happened during the pandemic. There were so many state agency employees, you know, who were, who were doing the job because they were passionate about it. They were also at retirement age. So, we saw quite a resignation happen. Because it was incredibly difficult. It was traumatizing to be involved in this space. And so, they resigned, or they retired, or they moved on to somewhere else. The new workers came in and they learned the programs with the flexibilities that were provided during the pandemic. Now, they have to relearn the program because all those flexibilities are gone. So, we're seeing a lot of administrative burden taking place within these agencies. I have a colleague, Carolyn Barnes, who's worked on this idea of administrative burden and the challenge of what's sometimes referred to as street level bureaucrats. The people who are on the ground who do the administration of these programs and the challenges that they face and the ways they engage folks. I appreciate hearing more about this. And I'm going to ask a potentially controversial question then. What if we took that responsibility out of the hands of state agencies and privatized that? What would that look like? Oh, and people have tried that. Governments have tried that, and it's always resulted in net losses. Not only has it cost the states more, but it has also led to the participants not receiving their benefits, or receiving less than, or receiving an error of more than. So many errors have resulted, which has made the program and administration worse. Which is an interesting question because a lot of people don't know that there are skilled employees at the helm within the agencies that are working on these eligibility determinations. They're known as merit-based staff. And every now and then you'll see a Farm Bill, that's the piece of legislation that houses the SNAP program, it'll come in and they'll try to privatize parts of the program. In the guise of, 'Oh, we're just wanting to help the agencies out and get the benefits to the people.' But listen, the several states that have privatized their benefit programs have learned the hard way and they've done away with those privatization efforts. Okay. I want to turn our attention to something that you hinted at, and we talked about at the top of the program. This idea of skimming or the SNAP skimming fraud. And this is not something that participants are doing. It's something that's happening negatively to participants. So, could you tell us a little bit more about this skimming issue? You know, skimming is a very serious problem that has affected all types of consumers. It's a device that gets put on the point-of-sale system, like that thing that you insert your card into or swipe at the checkout. And it's indistinguishable from the actual point of sale system. You could have a trained eye and still not be able to tell that this point-of-sale system has been compromised. So, what happens is when somebody uses a compromise point of sale system, their information, their card number, their pin is all taken. And within the same day, within an hour, you'll see the benefits are extracted. Usually in an entirely different state, and just the account balance is completely wiped out. The SNAP participant does not find out. If they don't check their account balance, they won't find out until the next time they're at the grocery store and they've done their, you know, 30 minutes of 45 minutes of shopping, with their kids in tow, and they've put everything on the conveyor belt and they're checking out and they swipe their card. And it says your payment is declined. And that is an awful harrowing situation that people are subjected to in the richest nation on the planet. They can't even use their government benefits to put food on the table. And then the process that currently exists to replace those stolen benefits is a lot of administrative burdens there as well. Where you have to you go home without the food, you fill out a piece of paper to say what happened, and then it takes weeks for you to get your benefits replaced. And God forbid that this happens to you more than twice in one year because the current resolution from Congress only allows two benefit replacements every year. But I mean, Norbert the question might be, who's stealing all this stuff? And why aren't the states doing something about it? Or why isn't the SNAP participant doing more to protect themselves? What we have to understand is that there are federal authorities, the FBI, are looking into this. They are investigating this because tens of millions of government dollars have been stolen. Over 120,000 households have been affected. This is big. This is bigger than the SNAP participant. This is bigger than the state. This is bigger than the retailers. And so, there's a lot for the federal government to do not just in replacing the benefits. Because that's you know, you we have a hole in the boat and we can't throw money at the hole. We need to fix the hole. So, what are we looking at here? We're looking at the opportunity to Secure our cards, secure the EBT card, by moving to chip. So, that is the next big thing You know what I appreciate out of this conversation is the experience of individuals who are using their SNAP benefits and they go to the store and the pain of discovering that their SNAP benefits have been expended. Not by them, but through some other means. I know the experience of having identity theft and, losing a credit card and not being able to do it. But I'm not in a situation where that means I'm not able to put food on my table. So, thank you for bringing our attention to the individual tragedy of that experience. And I think that's something important. But what you're also hinting at is that this is not some small-time incident. This is something much bigger. And of course, the federal government has a deep interest in trying to address this issue. And there needs to be some fix. And how this fix occurs also needs to be cognizant of the individual experience of low income individuals who are just struggling to make sure that they're able to solve this food problem. Yeah, you were talking about identity theft and when identity theft happens in the private sector things are resolved pretty quickly. If your credit card is hacked, nowadays you can just go online and say dispute charge and everything's taken care of within 24 hours. But can you imagine like not getting food benefits, like your debit card, your bank account being emptied, and you don't get everything back for weeks. It's mind numbing. It's really awful to think about. You've mentioned some technology fixes. And seems like they're pretty well known, the chip technology. Are there other fixes or in terms of technology or security systems that could help prevent this skimming challenge? One of the other challenges we're facing with the skimming is that the replacement benefits are temporary, it's going to expire on December 20th of this year (2024). And this is an extension that happened after the original replacement benefits, which was just under two years. These short-term fixes, or these short-term replacement benefit strategies are not what we need. We really need a permanent replacement benefit because no matter how secure the card gets, criminals are just going to be creative, and they will attack every single type of card as they continue to do with chip cards. Because we're talking about skimming, there's also something called shimming. S H I M M I N G. And that's when the point-of-sale system isn't compromised from the top, but from within, where you insert the card. That's shimming. So, that's something that exists as well. Chip cards will go a long way to decreasing the benefit theft when chip cards rolled out in the private sector it reduced theft by like around 90 percent. We're hopeful and optimistic that similar patterns will emerge there. But that's of course not 100 percent. It's not AA+++ It's a reason for why permanent replacement benefits need to continue. When it comes to chip card benefits, your listeners might be like, wait, wait, wait, this is 2024. We still have cards that haven't gone chip? It's because there's so many layers in the financial sector of what's going on the back end of these cards. So thankfully there was this massive process known as the x9 process where the entire industry came together. All the card manufacturers, grocers, convenience stores, retailers, banks, us humble nonprofits, and we came in to talk about what needs to be done. And so, they finally released the standards just over a month ago. And now we have two states in the running California and Oklahoma to roll out chip cards in the new year. All eyes are on Cali and Oklahoma to see how it goes before, I guess other states are going to hop on. The chip card is going to be the next big thing in the SNAP benefits world. Thank you for sharing this. I want to ask you one additional question about this technology issue. And it's related to a project I'm working on. It's the idea of online grocery shopping and the expansion of the SNAP benefits for online grocery shopping. And I'm wondering if there's any relationship between what you're seeing in skimming and the ability to use online grocery shopping. Or are these completely disconnected? I haven't seen anything regarding theft online, it's all been physical. We are seeing some promising things coming out of online shopping, especially for people who are living in areas without food access. Once we can bridge that gap of getting fresh food, like the produce and meats and chicken and fish, to people who are far away from grocery stores, then we've found the magic solution. But it's a promising trend on the online delivery space. Oh, that's awesome. I want to ask you just more generally about SNAP and where FRAC is right now. Where are you all thinking about in this space? And then what are ways that you can get just regular everyday people to help in the policy work of eliminating food insecurity? For more than 50 years, FRAC has been working to improve health, nutrition, and the well-being of people who have been struggling with poverty related hunger in the United States. Now, we have made tremendous strides in the fight against hunger. We've played a critical role in expanding SNAP. We've secured increased benefits for households with low incomes through landmark legislation, litigation. But unfortunately our work is far from over and we are really trying to work ourselves out of jobs. We cannot do it alone. We really need all hands on deck, especially as we are seeing in this upcoming Farm Bill effort some cuts that are being suggested or offered to SNAP benefit. We really need all hands on deck to protect this program. To build a nation free from hunger we encourage your listeners to go to frac.org, frac.org. Sign up for our action network and urge your members of Congress to prioritize ending hunger in America. Now, I know that oftentimes we're not sure what we should be saying to our Congress members. Our action network tells you all the things and it helps you really quickly and easily customize templates. Send in your own messages to your members of Congress. And also learn about hunger in your state and the solutions that exist as well. So, what will it achieve for you at the end of the day? Your efforts will advance bold and equitable policy and program solutions. And provide technical assistance and training to thousands of anti hunger advocates across the country, because we're collecting your stories. And your stories help impact Congressmembers. It helps us win their hearts. Bio Salaam Bhatti joined FRAC in November 2023 as the SNAP Director. In this role, he works to strengthen SNAP access and benefit adequacy. Salaam works closely with the Interim President to develop, lead, and track annual work plans; set and meet unit goals; collaborate with other unit Directors to assist in achieving FRAC's strategic plan goals; and expand the unit's innovation and work. Salaam joined FRAC after working at the Virginia Poverty Law Center (VPLC). While at VPLC, he successfully lobbied to fully repeal the drug felon ban for SNAP and TANF, twice achieved record increases to TANF cash benefits, subsidized reduced-priced school meals, repealed the TANF family cap, ended lunch shaming policies in schools, and received a unanimous vote to expand SNAP for over 20,000 families.  Salaam also helped develop a mobile-friendly, SNAP screening tool which is used by tens of thousands of people & multiple non-profits and has been rolled out to be available for all states and D.C. He received the Young Alumni Achievement Award from Albright College for his work in alleviating poverty and promoting Muslim-Jewish relations. Salaam also received the inaugural Stuart A. Freudberg Award for Regional Partnership for his work with Maryland and DC Hunger Solutions to address food insecurity across the metropolitan Washington area from the Metropolitan Washington Council of Governments. Salaam has a J.D. from Touro Law School, is barred in New York and Virginia, and received his Bachelors in Political Science and International Relations from Albright College (with a year abroad in the University of Aberdeen). 

The shidduch process can be very frustrating, waiting for suggestions, waiting for responses. Sometimes, things look like they are going so well, and all of a sudden, everything falls apart. Sometimes, after waiting a long time, a prospective shidduch is finally set up. The girl begins getting excited, hoping this could be the one. Then, on the day they are supposed to meet, the boy calls in sick and somehow never follows through. Getting rejected or overlooked is considered tremendous yesurin . We don't know why people have to experience them, but for sure, they are accomplishing so much through their experience. Every moment of waiting is accomplishing different types of tikkunim that will benefit them for all eternity. As hard as it is to imagine, everything is happening exactly the way Hashem wants it to happen, for the person's benefit. If the person can stay strong in their emunah and trust that they are in Hashem's loving hands, the value of what they are experiencing will become exponentially greater. No matter how long it has been or how bleak it seems, we must always have the emunah of ישועת ה' כהרף עין -everything can change in the blink of an eye. Salvation can literally come at a moment's notice. Part of a person's responsibility as a God-fearing Jew is to always have hope that salvation could come instantly. The Jewish world was overjoyed when we found out last year that a Rosh Yeshiva in Israel had his first baby at the age of 88. The Rosh Yeshiva had lost his first wife in 2015 and then, at the age of 82, remarried a woman in 2018 who was more than 30 years younger than him. Six years later, she miraculously gave birth to a healthy baby boy. The Rebbetzin told the incredible story of how this shidduch took place at a massive gathering in Lakewood, and Rabbi Binyamin Prusansky related it in his new book, Living with Miracles . After marrying late and having a family, she found herself alone again. She was nearly 50 years old and had one dream: to marry a talmid chacham . She strengthened her emunah and prayed to Hashem to make it happen. In the meantime, she dedicated a sefer on tefilla as a zechut for herself and others, written by Rabbi Daniel Travis. She was hoping to get married within the year, but as the end of the year approached, not one shidduch had been suggested to her. One Erev Shabbat , she brought her son to the orthopedist to have his cast removed. On her way into the building, she slipped and fell down a flight of steps. She hobbled into the office and was told that she had pulled some tendons and might have a hairline fracture. When she arrived home, she sat in the kitchen and elevated her leg, resting her foot on a chair while her children prepared for Shabbat. As she sat there, she noticed her diary on the kitchen table. Skimming through it, she came to a notation she had made for Tu B'Av, which was just two weeks away. The date was circled, and written on the page were the words, Im Yirtzeh Hashem, My Wedding Day . Sitting there with her injured foot, just two weeks away from what she so fervently believed would be her wedding day, she felt dejected. She had worked so hard on her bitachon . How could this be the outcome? But then she caught herself and said, "Hashem can do anything. I need to remain hopeful—Hashem could bring me a shidduch in the blink of an eye." That Shabbat, she focused her thoughts and heart on building her confidence that Hashem could answer her tefillot כהרף עין . On Motza'eh Shabbat , a shadchan called with a suggestion—it was the Rosh Yeshiva. The shadchan said what set her resume apart from others was that Rabbi Daniel Travis, a student of the Rosh Yeshiva, was listed as one of her references. Rabbi Travis read to the Rosh Yeshiva the dedication she had written in his sefer , which expressed her profound love and support for Torah. Those words convinced the Rosh Yeshiva that he had found his zivug . Their meeting took place during the Nine Days. About thirty minutes into their conversation, the Rosh Yeshiva asked her, "What date would you like the wedding to be?" Unprepared for the question, she steered the conversation in a different direction. But then, ten minutes later, he asked again, and again she diverted the discussion. A few minutes later, he asked her if she wanted to get married, to which she replied, "Yes." "So when do you want the wedding to take place?" he asked. She said, "Tu B'Av is a beautiful day to get married." "Tu B'Av it is," the Rosh Yeshiva answered. And eleven days later, their wedding was held. It had seemed like salvation was far off. But the Rebbetzin renewed her strength in believing in ישועת ה' כהרף עין , and amazingly, she was married on Tu B'Av, just as she had hoped.

With the holiday travel season approaching, we're revisiting a podcast episode featuring Paul Radu, the co-founder and co-executive director of the Organized Crime and Corruption Reporting Project (OCCRP). Paul describes his team's work in uncovering an international team of cash machine skimmers that ultimately skimmed hundreds of millions of dollars, largely from tourist hot spots. Travelers often don't realize their accounts are being drained until after they return home. This episode was originally published on 9 June 2020.

Lords: * Ben * Andrew Topics: * Baking: precise science of measurement or do it all by feel? (People have very different philosophies of muffins) * I've gotten into making crosswords this year and recently had the idea to start putting them on postcards and leaving them in public places for people to find. Am I becoming the Riddler? Is this fine? * I just found out that there aren't exactly 52 weeks in a year * The Rules, Leila Chatti * https://poets.org/poem/rules * Building fidgeting into a Zoom lecture * Things of Science. (Subscription science toy service that I got when I was a kid) Microtopics: * Posting pictures of pottery to social media. * The Hopefully Year of Layoffs. * Teaching game development as a hobby. * The interactive comic books of Jason Shiga. * Lies and truth and sea monsters. * Waiting for half an hour to find out if you fucked it up. * Baking intuitively. * Skimming a recipe and thinking "hmm yes, I've made food before" * Voronoi cookies. * Keeping separate baking notebooks for each season. * Having units that are divisible by two. * Putting it in a Gas 4 Oven. * How to pronounce "tare." * Sneaking into Grandma's kitchen and weighing all the ingredients. * Cruciverbalism. * Where to post the crosswords you've constructed. * A Lord's Puzzle. * Giving people a little bit of joy and avoiding hearing any feedback about it. * Living in the puzzle capital of the world. * Constructing a crossword puzzle for every party you attend. * The MIT Mystery Hunt. * Making art for a really small group of people. * Crosswordese. * Designing themed vs. themeless crossword puzzles. * How many weeks are in a leap year. * Yet another ratio that doesn't work out. * Calendrical systems you could use. * Things that you know that are wrong. * What's your favorite thing you don't know that you don't know? * Finding a drawer full of narwhal tusks in a bone shop and thinking "hm, sixty unicorns died here" * NASA's antigravity room. * Why doesn't the Mars habitat work out? * Multiple digressions on horse urine. * Refining horse urine into progesterone on Mars. * Suddenly realizing that you've been dead all along. * Cicadas doing whatever they do in the trees. * Acknowledging the expectations of what a poem is. * Why you always turn out to have been dead at the end. * Who is out there still making games about guns? * Adding line breaks to make your essay look like a poem. * Innominateness. * Garden path level design. * Reading aloud etudes. * Mavis Beacon Teaches Elocution. * Replacing your Zoom background with a video of yourself. * Brain massaging video of cutting sand. * The calming effect of amphetamines. * Fidgeting incessantly during Zoom calls. * Fidgeting for people so they don't have to. * Bubbling noises and space harps. * Remote testing protocols. * Plagiarism detector snake oil. * Doing homework to get used to the idea of doing homework. * Mass-production of adults. * Paperwork as a method of crowd control. * Homework as a barrier to family time vs. homework that facilitates family time. * Mailing people little bits of science. * Aerogel vs. Superslurper. * Growing mold in your oobleck. * Sending 1940s children asbestos in the mail. * Using every sense to explore the world. * A dog sniffing your hand and walking away. * Throwing away all the business cards that just have your Twitter handle on them.

Henry talks with Steven Trotter, Educational Leadership & Development Expert | Principal | Author | Speaker | ACEL New Voice in School Leadership Scholar 2024 | Most recent book - The Art of Skimming Stones: Leading Sustained Improvement In Schools. Audio production by Rob Kelly.

Todd receives a box with photographs from his grandmother who had recently passed away.  Skimming through the photos, Todd finds a picture of a man in WWII army attire. Immediately, he has flashbacks of childhood memories he long forgotten.Thank you, Todd, for sharing your story with the Spooked! Produced by Erick Yáñez, original score by Lalin St. Juste, artwork by Teo Ducot.Happy Halloween Season Spooksters! Now you can also subscribe on YouTube for scary stories from Spooked.

EPISODE 340. Sabino and Rocco sit down with Tony Dabas, Italian by affiliation to talk about life growing up in Staten Italy, his passion for driving ice cream trucks and Kung Fu, a life changing moment that made him pursue comedy again and so much more. We call this one, the Tony D Takeover! Be sure to follow Tony here https://www.instagram.com/tonydcomedy Follow Sabino here https://instagram.com/sabinocurcio Follow Rocco here https://instagram.com/rocloguercio To shop our merchandise, visit https://www.growingupitaliangui.com Be sure to check our Instagram https://www.instagram.com/growingupitalian For Dual Citizenship https://theitalianpassport.com/growingupitalian As always, if you enjoyed this video, be sure to drop a Like, Comment and please SUBSCRIBE. Grazie a tutti! Chapters 1:00 - Italian by Association 5:00 - The Glasses 7:00 - Comedic Criminal 12:00 - Impressions 16:00 - Kung Fu Culture 22:00 - No Messing Around 25:00 - Near Death Experience 31:00 - Comedy Business 34:00 - Skimming off the Top 37:00 - What's in the Bag? 40:00 - 100 Jobs 47:00 - Creative Process 52:00 - Relating to All People 54:00 - Adam Sandler 58:00 - Arab Ice Cream Driver

This Sunday, we continue our Slow Motion series. Pastor Rich leads us through Psalm 1 as we explore what it means to slowly meditate on scripture. As we meditate, there are a number of promises God offers us.

Using an ATM, paying for petrol or shopping at a retail store are pretty routine things that many of us do on a frequent basis. But it's important to be aware of the often invisible threat posed by a criminal practice called skimming, which sees fraudsters clone bank cards.  Across the pond in the US, data analytics firm Fico reported a 96% increase in debit card skimming in 2023, and recent months have also seen prominent cases in the UK. Let's take a moment to understand what skimming is a little better, and go over the best ways in which you can protect yourself. Is it really possible to clone a bank card? Once they have my card details, how do they use them? Are banks doing anything to protect consumers? In under 3 minutes, we answer your questions! To listen to the last episodes, you can click here: How do sim swapping scams work? What is Quantum medicine and is it a scam? Why do web addresses start with www? A podcast written and realised by Joseph Chance. Learn more about your ad choices. Visit megaphone.fm/adchoices

It went all the way to a 'Skim of Destiny' but Tipperary's own Simon Power has been officially named the 2024 World Stone Skimming Champion, becoming the first one ever from Ireland. Simon joined Dave to chat about the competition, how he realised he had such a skill and if he'd be willing to fight someone for the perfect stone.

Glenmore Lodge, the Scottish National Outdoor Training Centre, has recently established Scotland's first hill navigation training course to be delivered in British Sign Language. One of those involved in setting it up was deaf climber and mountaineer Morag Skelton. Mark chatted to Morag for the Scotland Outdoors podcast, and we hear an excerpt where they speak about her childhood outdoors and the practicalities involved in climbing when you can't hear. For our latest Scotland Outdoors podcast, Rachel went to meet M.T O'Donnell in her garden near Glasgow. M.T is the founder of Scotland Grows magazine and the host of the Scotland Grows Show podcast. She's keen on looking after her garden in a way that's nature friendly and as she tells Rachel, that even extends to dealing with slugs. On the shores of Loch Awe near Dalmally lies the very striking St Conan's Church. Mark went for a visit to explore its remarkable architecture, both inside and out. A few weeks ago, Mark and Rachel headed across to the island of Easdale which lies 15 miles south of Oban. They got the ferry from Seil and chatted to the boatman, Alan, about who lives on Easdale and who visits. Mark also chats to Bethan Smith who owns a soap making business on the island. And Rachel catches up with Mike Mackenzie who has lived there for decades. He tells her what the community is like and how he came to live on the wee island. If you looked up to the sky earlier this week you might have been lucky to catch a glimpse of the Perseid Meteor Shower. The Perseids are one of the most dramatic things to see in the night sky and the shower will be active for another week or so. We chat live to the Astronomer Royal for Scotland, Catherine Heymans, to get her hints and tips on how to spot the meteors and what else to look out for in the night sky at this time of year. The Countryside Rangers at Mugdock Country Park in East Dunbartonshire have been taking groups out to help them learn how to identify bird species by their sound. Linda Sinclair joined a group, led by Ranger Alan MacBride at Clachan of Campsie, at dusk to listen out for our birdsong and try to identify what they could hear. Poet Matt Kinghorn decided to walk more than 200 miles from his home in Aberdeenshire to North Berwick just to offer a listening ear to anyone who needed it. Rachel met up with him at the start of his challenge to hear more about why he'd decided to do it. And to round off their trip to Easdale, the home of the world stone skimming championships, Mark and Rachel try their hands at skimming despite the rather inclement weather.

The process of stealing ATM customer credentials by means of physically and covertly installing one or more devices onto a public ATM machine.

The financial system has evolved into a highly efficient machine…for skimming profits and using opaque complexities to hide the sheer magnitude of the operation. Sure, we get cheaper trades on a per trade basis, but with billions of trades the tiny slices add up. Importantly, the system has a number of weak points about which every investors and financial profession should be aware.Click Here for Part 2