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In this episode of FinTech's DEI Discussions, Nadia is joined by Joanne Wensley, Engineering VP at Smarsh, to discuss the importance of inclusive leadership in the FinTech industry.Joanne shares her incredible career journey and the four pillars of great leadership: vision, communication, integrity, and empathy. Together, they explore how FinTech can move beyond quotas and truly cultivate an inclusive culture that helps everyone thrive.FinTech's DEI Discussions is powered by Harrington Starr, global leaders in Financial Technology Recruitment. For more episodes or recruitment advice, please visit our website www.harringtonstarr.com
In "Bone of the Bone," Sarah Smarsh brings her graceful storytelling and incisive critique to the challenges that define our times: class division, political fissures, gender inequality, environmental crisis, media bias, the rural-urban gulf. Smarsh, a journalist who grew up on a wheat farm in Kansas and was the first in her family to graduate from college, has long focused on cultural dissonance that many in her industry neglected until recently.
National Book Award finalist Sarah Smarsh performs a collection of her essays written from 2013-2024. Host Jo Reed and AudioFile's Kendra Winchester discuss how Smarsh's narration captures the emotional depth of her essays. After growing up on a wheat farm in Kansas, Smarsh went on to join academia and found herself writing about her working-class childhood. Smarsh's essays are full of sharp observations that are as relevant now as when they were first published. Read our review of the audiobook at our website. Published by Simon & Schuster. Discover thousands of audiobook reviews and more at AudioFile's website. Support for our podcast comes from Dreamscape, an award-winning audiobook publisher with a catalog that includes authors L.J. Shen, Freida McFadden, and Annie Ernaux. For more information, visit dreamscapepublishing.com. Learn more about your ad choices. Visit megaphone.fm/adchoices
On this episode, Oren is joined by journalist and best-selling author Sarah Smarsh to make sense of the ongoing political realignment in America's Heartland.Smarsh, who hails from rural Kansas, draws from her own upbringing to explain the forces pushing rural working-class voters away from the Democratic Party, often after decades of voting for it. She and Oren also discuss her new book, Bone of the Bone, which focuses on this shift and other aspects of life in rural America, and the two unpack how it all intersects with the rise of former President Donald Trump and changes in the Republican Party.For more, check out Smarsh's latest book, Bone of the Bone: Essays on America by a Daughter of the Working Class.
The internet is now, decidedly, unsafe for kids...including A.I. generated platforms. At Angel Kids AI, their mission is to use AI to flip the script; making the internet safe for kids. I brought in Tim Estes, founder of Angel Kids AI, to educate parents about A.I., the harms, the potential and how to introduce our kids to A.I. tools safely and productively. Tim and I dig into online harms, reviewing popular AI products like Amazon's Alexa, ChatGPT and others. Parents will leave this conversation with a healthy understanding of how to introduce AI to our kids in a way that enhances their creativity and doesn't harm them. In addition to joining the waitlist for Angel Kids AI, here are a few AI tools that Tim recommends trying out with your child: Merlyn Mind Khan Academy Synthesis About Tim: Tim Estes is a pioneering executive in the Artificial Intelligence and Natural Language Processing domain. He founded and led Digital Reasoning from 2000, an AI leader in the space of unstructured data analytics for 20+ years. Estes envisioned a means by which computers could learn to accurately interpret language, understand context, and extract critical intelligence. Digital Reasoning secured investments from In-Q-Tel (IQT), Goldman Sachs, Nasdaq, BNP Paribas, Barclays, Credit Suisse, HCA, and others totaling over $120M. Dubbed “Wall Street's Robocop” by Forbes, the technology in Digital Reasoning became the market standard for applying AI and Natural Language Processing to communications data across text and voice and was adopted by a majority of the Tier 1 Financial Institutions around the globe. It's technology also supported key Defense and Intelligence efforts in the US Government, enabled nationwide cancer screening systems to automate patient detection and prioritization, and created the largest deployed system to support law enforcement in the disruption of child sex trafficking rings in North America. It was merged with Smarsh in November, 2020 to create the market leader in Communications Intelligence for Financial Services. Estes left the acquiring company, Smarsh, at the end of 2021 and is now an active Angel Investor, Advisor, Board Member, and Mentor to CEOs in multiple industries. --- Support this podcast: https://podcasters.spotify.com/pod/show/scrolling2death/support
[REBROADCAST FROM September 9, 2024] Author and journalist Sarah Smarsh has spent the last decade dedicating herself to correcting stereotypes, misinformation, and prejudice around the lives and beliefs of rural, working-class White Americans. She speaks from experience, as the daughter of two poor Kansas residents. Now, she's collected that decade of writing in her new book, Bone of the Bone: Essays on America by a Daughter of the Working Class. Smarsh joins us to discuss as part of our election series, Get Po-LIT-ical.
Bone of the Bone by Sarah Smarsh is a collection of essays reflecting on class, politics, the media and related socioeconomic and cultural topics. Smarsh joins us to talk about how she came to this project, her approach to telling a story, her inspirations and more with Miwa Messer, host of Poured Over. We end this episode with TBR Top Off book recommendations from Marc and Mary. This episode of Poured Over was hosted by Miwa Messer and mixed by Harry Liang. New episodes land Tuesdays and Thursdays (with occasional Saturdays) here and on your favorite podcast app Featured Books (Episode): Bone of the Bone by Sarah Smarsh Heartland by Sarah Smarsh She Come By It Natural by Sarah Smarsh Educated by Tara Westover Poverty, by America by Matthew Desmond Working by Studs Terkel Angela's Ashes by Frank McCourt Featured Books (TBR Top Off): American Salvage by Bonnie Jo Campbell The Forgotten Girls by Monica Potts
Deaglan McEachern didn't want to be the mayor of Portsmouth. But, as a lifelong lover of people and politics, he couldn't help but join the City Council in his beloved hometown. Believing it's our duty to give back to the world that gives us so much, McEachern is devoted to use his privilege to enrich the lives of those in our sacred community. The mayor title, according to him, is simply a vessel for him to carry out his basic responsibility as a human. In today's conversation from a random office (we got kicked out of his) at Portsmouth City Hall, Portsmouth Mayor Deaglan McEachern and I discuss: Governor Sununu's heroics (00:00) McEachern's extensive education (03:26) Professional rowing career (08:47) Meeting his wife in NYC (13:47) Balancing his other job (22:50) Why he's the mayor of Portsmouth (27:22) The biggest sacrifice he's made (33:07) What's your mission? (39:13) Deaglan McEachern is the mayor of Portsmouth. Elected in 2021, McEachern also holds a full-time job at a tech company called Smarsh. The son of former Assistant Mayor Paul McEachern and nephew of former mayor Mary McEachern Keenan, Deaglan was born and raised on the Seacoast. A graduate of UC Berkeley, McEachern also studied at the University of Cambridge in England. Additionally, he spent 10 years as a professional rower! To support the telling of more Seacoast Stories like this one, please FOLLOW this podcast on our Apple Podcasts and/or Spotify feeds. It helps more than you think. This podcast is hosted, written, researched, and produced by Spotify's Troy Farkas, who moved to the Seacoast in June 2023. If you'd like to nominate me for Catapult's "10 to Watch" award, which honors hard-working young professionals on the Seacoast, please do so here.
Author and journalist Sarah Smarsh has spent the last decade dedicating herself to correcting stereotypes, misinformation, and prejudice around the lives and beliefs of rural, working-class White Americans. She speaks from experience, as the daughter of two poor Kansas residents. Now, she's collected that decade of writing in her new book, Bone of the Bone: Essays on America by a Daughter of the Working Class, out tomorrow. Smarsh joins us to discuss as part of our election series, Get Po-LIT-ical. Tonight at 7 pm, she will be speaking at the Strand.
Spanning several genres including cultural criticism, political commentary and memoir, "Bone of the Bone: Essays on America by a Daughter of the Working Class" compiles Smarsh's strongest work from the last decade, and solidifies her as one of the country's leading voices on socio-economic class.
In this episode, Danielle Smarsh, PhD, of The Pennsylvania State University, explains how horse owners and barn managers can prepare to feed horses during the colder months. She discusses how a horse's energy needs change with the seasons, how to adjust a horse's forage intake during winter, and ways to ensure your horse is drinking enough water as the temperatures drop.GUESTS AND LINKS - EPISODE 12:Host: Hailey KerstetterGuest: Dr. Danielle SmarshPlease visit our sponsor, who makes all this possible: Ask TheHorse Live, Ask TheHorse Archives – The Horse
We feature a panel of executives from ASAPP, Glean, Smarsh, Socotra and AWS sharing essential strategies, including the role of Generative AI, trust-building, and addressing legal challenges to secure executive buy-in for transformative initiatives.Topics Include:Introductions to panelExample of ideal Executive SellerDepth of business acumen and problem solving are important skills for Executive SellersFraming a customer problem and create the argumentMaking selling to a C-Suite a team sportKeeping sellers and produce C-suite relevantRevolution and renaissance positioningTrust with the C-suite – do salesperson have a texting relationship w decision makers?How is Generative AI driving customer's satisfaction and dissatisfaction?Data is the new oilDefining the business problem for insurance industryHelping customers reimagine business with Generative AI80% of customers report the chatbot makes them madThe data journey is the precursor to the Generative AI journeyThe top unique legal challenges with Generative AILegal now brought into early stage of sales processTurning legal concerns into an opportunityThe book “Never Split the Difference” by Christopher VossCalls to action from each panellistSession wrap-upParticipants:Daniel Rood – Senior Vice President Marketing, ASAPPAJ Tennant – Vice President Sales & Success, GleanNeva DePalma – General Council, SmarshEkine Akuiyibo – Chief Business Officer, SocotraLauren Larscheid – Sr. Sales Leader, Business Applications, AWS
UC Today's Kieran Devlin speaks to Brandon Carl, EVP of Product Strategy at Smarsh, and Theo Hill, Senior Director of Product Management at Smarsh.In this session, we discuss the following:How Smarsh helps customers innovate while remaining compliant with AIWhat compliance agility means for enterprisesWhat makes Smarsh's AI capabilities stand out
Episode Description: In this episode of Player: Engage, Greg talks with Dan Fox, a seasoned expert in cybersecurity and the leader of the cybersecurity team at ScalePad. Dan shares his career journey, insights into building successful startups, and the importance of staying curious and adaptable in the ever-evolving tech industry. They discuss the role of AI in cybersecurity, the importance of customer experience, and practical advice for aspiring entrepreneurs.Listen Here: Dan Fox - ScalePadTimestamps & Key Takeaways: 00:01.25 - 01:25.08: Greg introduces Dan Fox, highlighting his impressive background in cybersecurity and his role in various successful companies, including Smarsh, Securecast, Carbonite, and Webroot. 09:15.91 - 09:45.14: Startup Challenges and Strategies - Dan shares his experiences in startup environments, discussing the importance of wearing multiple hats, staying adaptable, and learning from both successes and failures. 25:26.28 - 25:58.21: Delivering Value to Customers - Emphasizes the importance of listening to customers, solving their problems effectively, and being an advisory partner rather than just a salesperson. 30:48.71 - 31:37.05: Staying Curious and Lifelong Learning - Dan highlights the significance of continuous learning and curiosity, sharing examples of how he expanded his knowledge through formal courses and self-education. 38:02.03 - 39:37.54: Leveraging AI in Cybersecurity - Discusses the integration of AI in cybersecurity for automating tasks, improving threat detection, and enhancing customer support processes.Key Concepts: Startup Environment: Dan emphasizes adaptability and versatility in startups, highlighting the need to wear multiple hats and learn from both successes and failures. Customer Experience: Dan underscores the importance of understanding and solving customer problems effectively. He believes in being an advisory partner to build strong, lasting relationships and trust. Continuous Learning: Staying curious and committed to lifelong learning is crucial. Dan shares his journey of continuous education, using formal courses and online resources to stay ahead in the tech industry. AI Integration: The integration of AI in cybersecurity is transforming the industry. Dan explains how AI automates tasks, enhances threat detection, and improves customer support processes, leading to greater efficiency and accuracy. Career Evolution: Dan's career demonstrates the importance of being open to new opportunities and adapting to different roles. His journey from customer support to founding successful startups and leading cybersecurity teams showcases the diverse paths to success in tech.
Ego-Free LeadershipKevin Blanco, CIO at Gerson Lehrman Group (GLG), offers a transformative perspective on prioritizing your team and drawing lessons from every experience.While "Command and Control" leadership might offer a temporary sense of power, it often fuels an oversized ego that stifles listening, hampers collaboration, and ultimately hinders success.Instead, embrace Kevin's approach, refined through his leadership roles at SiriusDecisions, Smarsh, Thomson Reuters, and KPMG, which champions humility, teamwork, and continuous learning. By putting your ego aside, you unlock the true potential of your team and drive extraordinary results.You're going to love this interview!Connect with Kevin: https://www.linkedin.com/in/kevintblanco/ This episode is brought to you by Covenant Technologies: https://cov-technologies.com/and Cybertrust Network: https://cybertrustnetwork.com/
A growing body of research shows that social media is designed to be addictive and feed children age-inappropriate content. This is leading to higher rates of depression and loneliness. As a parent, this is heartbreaking news but not surprising. Concerned parents, legislators, and psychology experts are advocating for abstinence – specifically banning social media and smartphone use until kids reach high school age, and understandably so. But while their intentions are good, our guest, Tim Estes, an online child safety advocate, believes that taking away devices altogether isn't the answer either. He says it creates a "pink elephant paradox." He believes that the more we try to take social media and smartphones away from kids, the more they'll want them. It makes sense. So what are parents to do? Tim advocates for "kangaroo parenting." Who is Tim Estes? Tim Estes is a pioneering executive in the Artificial Intelligence and Natural Language Processing domain. He founded and led Digital Reasoning in 2000, an AI leader in the space of unstructured data analytics for 20+ years. Estes envisioned a means by which computers could learn to accurately interpret language, understand context, and extract critical intelligence. Dubbed "Wall Street's Robocop" by Forbes, the technology in Digital Reasoning became the market standard for applying AI and Natural Language Processing to communications data across text and voice and was adopted by a majority of Tier 1 Financial Institutions around the globe. Its technology also supported key Defense and Intelligence efforts in the U.S. Government. It enabled nationwide cancer screening systems to automate patient detection and prioritization and created the largest deployed system to support law enforcement in the disruption of child sex trafficking rings in North America. It was merged with Smarsh in November 2020 to create the market leader in Communications Intelligence for Financial Services. Tim left the acquiring company, Smarsh, at the end of 2021 and is now an active Angel Investor, Advisor, Board Member, and Mentor to CEOs in multiple industries. His newest startup, Angel AI, uses the latest advances in generative AI to change how kids use the internet to empower and protect them. The mission of Angel is to harness the power of AI to raise healthier and happier humans, starting with our kids. As a parent himself, Tim has dedicated his life to keeping kids safe online. He frequently advocates for change on Capitol Hill and recently briefed the House and Senate leadership on these issues. We are so impressed and so grateful for the work Tim does. This episode is a great listen for parents with kids using the internet. What Did We Discuss? In this episode, we chat with Tim about keeping our children safe online and Kangaroo parenting in this digital age. Here are several of the questions that we covered in our conversation: How do you recommend parents manage devices, social media, and other digital platforms for their kids in this digital world? I know you are an advocate for "kangaroo parenting." Can you tell us more about this parenting style? How can parents instill healthy online habits and boundaries? What is it that parents need to know that you know about the internet and keeping our kids safe online? What is your number one piece of advice for parenting a child in our digital world? Tim's Resources Website: angelkids.ai LinkedIn: Tim Estes Thorn: Tim worked closely with Thorn, an organization co-founded by Ashton Kutcher and Demi Moore that combats child sex trafficking. Thank you for listening to this episode! Follow us on our podcast Instagram page @thebabychickchat, and let us know what you think and if there are any other topics you'd like us to cover. Cheers to keeping our kids safe online and allowing them to grow and explore with our guidance! Learn more about your ad choices. Visit megaphone.fm/adchoices
Watch Carol and Tim LIVE every day on YouTube: http://bit.ly/3vTiACF. Steve Marsh, Chairman and Founder at Smarsh, discusses the regulatory landscape for businesses. John Kain, Head of Financial Services Market Development at AWS, talks about trends in technology adoption in the financial services industry. Brandon Carl, EVP of AI & Product Strategy at Smarsh, shares his thoughts on the intersection of AI and finance. Rob Mara, Principal, Risk & Regulatory Compliance Tech at EY, discusses how technology is impacting the compliance industry. Tom Padget, President of Enterprise Business at Smarsh, talks about the future of compliance.Hosts: Carol Massar and Tim Stenovec. Producer: Paul Brennan. See omnystudio.com/listener for privacy information.
Watch Carol and Tim LIVE every day on YouTube: http://bit.ly/3vTiACF. Steve Marsh, Chairman and Founder at Smarsh, discusses the regulatory landscape for businesses. John Kain, Head of Financial Services Market Development at AWS, talks about trends in technology adoption in the financial services industry. Brandon Carl, EVP of AI & Product Strategy at Smarsh, shares his thoughts on the intersection of AI and finance. Rob Mara, Principal, Risk & Regulatory Compliance Tech at EY, discusses how technology is impacting the compliance industry. Tom Padget, President of Enterprise Business at Smarsh, talks about the future of compliance.Hosts: Carol Massar and Tim Stenovec. Producer: Paul Brennan. See omnystudio.com/listener for privacy information.
Washington Post columnist Gary Abernathy and freelance journalist Sarah Smarsh join Geoff Bennett to discuss the week in politics, including the first GOP debate of the election season and the response to Trump's arrest in Georgia. PBS NewsHour is supported by - https://www.pbs.org/newshour/about/funders
Washington Post columnist Gary Abernathy and freelance journalist Sarah Smarsh join Geoff Bennett to discuss the week in politics, including the first GOP debate of the election season and the response to Trump's arrest in Georgia. PBS NewsHour is supported by - https://www.pbs.org/newshour/about/funders
Washington Post columnist Gary Abernathy and freelance journalist Sarah Smarsh join Geoff Bennett to discuss the week in politics, including the first GOP debate of the election season and the response to Trump's arrest in Georgia. PBS NewsHour is supported by - https://www.pbs.org/newshour/about/funders
UC Today's David Dungay talks to Hari Asok, Senior Director of Product Management, Smarsh & Shaun Hurst, Principal Regulatory Advisor, Smarsh about the compliance environment in the financial sector with the proliferation of AI tools.
Watch on YouTube.UC Today's Tom Wright hosts Shaun Hurst Principle Regulator Advisor at Smarsh.In this session we discuss the following: Why generative AI has taken offThe security and data protection implicationsHow organisations can get started To find out more visit smarsh.com.Thanks for watching, if you'd like more content like this, don't forget to SUBSCRIBE to our YouTube channel.You can also join in the conversation on our Twitter and LinkedIn pages.
This week on the podcast, Polly, Tom and Francis were joined by Tom Padgett of Smarsh, where the conversation delved into the world of regulation and compliance as we examined the latest in the fintech industry. With the regulatory, and therefore Regtech, landscape ever changing, the team dived into the subject, discussing how innovative technologies, including AI, have a role to play as the industry strives to create stronger, safer financial ecosystems. Discussion points included: -How can banks strike a balance between the risks and rewards of incorporating disruptive technologies into their operations? -How has the Regtech landscape changed since the Covid-19 pandemic? -What does compliance mean to financial institutions?
In the latest eComms episode with Smarsh regarding managing the risks associated with electronic communications (eComms) for financial services firms, Anthony Diana and Therese Craparo are joined by Tiffany Magri from Smarsh. Together, they discuss the messaging from regulators regarding compliance with the eComms regulations, considering the recent guidance, fines and public statements on eComms compliance. The discussion will cover the challenges the financial industry faces in attempting to interpret and comply with regulators' expectations from both a practical and technological perspective.
A regulator has just sent you an inquiry or a subpoena regarding unauthorized use by one of your employees of text messaging or a third-party electronic communications application. What steps should you take to ensure you can respond effectively to the inquiry? This episode of our eComms series with Smarsh sees Anthony Diana, Kiran Somashekara, and John Lukanski accompany Tiffany Magri from Smarsh to answer this question and more. They discuss what the regulators' expectations are for the inquiry or subpoena and the necessary actions all firms should be taking to minimize their risk.
“There's nothing more American than baseball and apple pie”… if you throw in today's show subject, you may just have the ultimate American trio. Dolly Parton has been in the music industry for over 50 years and has sold millions and millions of albums. She's worked with some of the biggest names in entertainment and has made a resurgence over the past 10 years or so (probably doesn't hurt to be Miley Cyrus' godmother either). Usually show subjects will have some dirt on them or at least something negative to talk about. Dolly has seemed to dodge the headlines with any nonsense over the years, but is there more to the story of the big-boobed beauty? Check out this rootin' tootin' good time on the latest episode of AHC Podcast. Intro Music Credits: Cryin In My Beer by Audionautix Creative Commons — Attribution 3.0 Unported— CC BY 3.0 https://creativecommons.org/licenses/... Music provided by FreeMusic109 https://youtube.com/FreeMusic109 Citations: “Amazon Founder Jeff Bezos Pledges to Give Away Most of His Wealth.” BBC News, BBC, 14 Nov. 2022, https://www.bbc.com/news/business-63619512. Aniftos, Rania. “A Timeline of Dolly Parton's Good Deeds.” Billboard, 3 Aug. 2022, https://www.billboard.com/music/music-news/dolly-parton-good-deeds-timeline-9487782/. Cain, Áine. “Dolly Parton Shares the Worst Piece of Business Advice That She Repeatedly Ignored: 'Change My Look and to Go Simpler with My Hair and the Way That I Dressed'.” Business Insider, Business Insider, https://www.businessinsider.com/dolly-parton-shares-the-worst-piece-of-business-advice-2022-4. “Dolly Parton.” Wikipedia, Wikimedia Foundation, 1 Jan. 2023, https://en.wikipedia.org/wiki/Dolly_Parton. Paulson, Dave. “Dolly Parton Remembers Writing 'I Will Always Love You'.” The Tennessean, The Tennessean, 27 Dec. 2015, https://www.tennessean.com/story/entertainment/music/2015/12/26/dolly-parton-remembers-writing-always-love-you/77762172/. Reneau, Annie. “Watch Dolly Parton Expertly Handle Barbara Walters' Tacky Questions in a 1977 Interview.” Upworthy, Upworthy, 9 Dec. 2021, https://www.upworthy.com/dolly-parton-barbara-walters-interview. Smarsh, Sarah. “The Rural Poverty That Created Dolly Parton.” Slate Magazine, Slate, 13 Oct. 2020, https://slate.com/culture/2020/10/dolly-parton-biography-she-come-by-it-natural-excerpt.html. Today Show, “Dolly Parton Turned down the Presidential Medal of Freedom Twice.” TODAY.com, TODAY, 2 Feb. 2021, https://www.today.com/popculture/dolly-parton-turned-down-presidential-medal-freedom-twice-t207752. Weber, Bo. “35 Interesting Facts about Dolly Parton.” Music In Minnesota, 16 Apr. 2022, https://www.musicinminnesota.com/20-interesting-facts-dolly-parton/
“It comes back to communication,“ says Brendan on this solo episode of Billion Dollar Tech, where he unpacks the five key takeaways from his recent interview with Iggy Bassi, founder and CEO of Cervest. Iggy founded this data platform, which recently raised 37 million in total funding, first and foremost by articulating his vision specifically, and Brendan expands on the importance of this. He also talks about the balance between quality and efficiency, knowing when it's time to launch, and the importance of finding a clear focused market. One should aim to position oneself on the back of a key trend. Brendan talks about finding a concept that intersects with what you know and care about versus what other people need and will care about in the world today. He lists resources available to even those outside of the industry where you can find companies with existing initiatives in place, whom founders can then piggyback on. Brendan draws examples from successful businesses such as Oracle, Carta and Smarsh. He shares what he sees as the biggest stumbling block to success, and the most underappreciated skill in a founder. Quotes: “If you want to get people to invest money in your product, you want to get people to invest their lives and help you build a company, you have to be able to articulate the new world you're creating.” (5:11-5:20 | Brendan) “You look at Elon Musk, and the ability to market your ability to communicate, the vision is everything.” (5:44-5:50 | Brendan) “It's tempting when you're early on, and everybody comes from different places, but you should just take whatever money is available to you and offered to you. And this may sound like a luxury problem. But for anyone who has seen what it's like to work with unaligned investors, tyrannical investors, are people who just do not understand what it is you're building, the vision you're building, the time it may take to get there, what the hurdles are all of these things, it can create a horrible working relationship.” (10:24-10:55 | Brendan) Connect with Brendan Dell: LinkedIn: https://www.linkedin.com/in/brendandell/ YouTube: https://www.youtube.com/c/BrendanDell Instagram: @thebrendandellTikTok: @brendandell39 Buy a copy of Brendan's Book, The 12 Immutable Laws of High-Impact Messaging: https://www.indiebound.org/book/9780578210926 Connect with Iggy Bassi:Twitter:@IggyBassihttps://cervest.earth/ Please don't forget to rate, comment, and subscribe to Billion Dollar Tech on Apple, Spotify, or wherever you listen to podcasts! Use code Brendan30 for 30% off your annual membership with RiverSide.fm Podcast production and show notes provided by HiveCast.fm
“In a world where there's so much overwhelming noise, you've got to be specific,” says Brendan in this solo episode of Billion Dollar Tech. This pertains to everything, from the benefit you're providing to how you're helping, to the language you're using, even the difference between your impression of what you're selling versus how other people view it. Too many people try to target multiple personas, and this, as Brendan explains, is one of the biggest mistakes a startup can make. To illustrate this point, Brendan provides examples from both sides of the issue. He relays an anecdote told to him by Steve Marsh, founder and chairman of B2B tech business Smarsh, about the biggest mistake Steve says that he made. He draws from his own experience with Sudozi and explains what they've done right. Of course, there are a couple of caveats to this rule. Find out what those are and why the companies you think are exceptions to the rule really aren't. Quotes: “The foundational element here is strategy.” (1:22-1:24 | Brendan) “This sentiment is one I hear echoed again and again and it might be the single most common reason that I see other than founder burnout or wrong timing is lack of focus, that keeps startups from winning.” (3:18-3:32 | Brendan) “These are all things that require a lot of time and expertise that you can't get if you're saying, ‘Well, I want to sell into six different personas across five different industries and so forth.” (5:29-5:42 | Brendan) Connect with Brendan Dell: LinkedIn: https://www.linkedin.com/in/brendandell/ YouTube: https://www.youtube.com/c/BrendanDell Instagram: @thebrendandellTikTok: @brendandell39 Buy a copy of Brendan's Book, The 12 Immutable Laws of High-Impact Messaging: https://www.indiebound.org/book/9780578210926 Please don't forget to rate, comment, and subscribe to Billion Dollar Tech on Apple, Spotify, or wherever you listen to podcasts! Use code Brendan30 for 30% off your annual membership with RiverSide.fm Podcast production and show notes provided by HiveCast.fm
Bad actors are constantly looking for ways to infiltrate financial institutions for personal gain. Whether it be customers, employees, or third parties, every institution needs to be aware of the potential risks associated with bad actors and how to appropriately identify and investigate these risks. This episode of our eComms series with Smarsh sees Kiran Somashekara, John Lukanski, and Kile Marks join Tiffany Magri from Smarsh, and together, they dive in and discuss who exactly can be a bad actor, what tools to use and red flags to look for to find bad actors, and the obligation to investigate potential bad actors as they appear.
Links: Amazon MSK now offers a new low-cost storage tier that scales to virtually unlimited storage Amazon Virtual Private Cloud (VPC) now supports the transfer of Elastic IP addresses between AWS accounts AWS IoT Core announces Location Action to route location data from IoT devices to Amazon Location Service Amazon Connect Customer Profiles now surfaces additional customer information in the Amazon Connect Agent Application Keeping Pace with FinServ Regulatory Compliance Demands with Smarsh and AWS Use Alexa devices to initiate customer service with Amazon Connect How USAA built an Amazon S3 malware scanning solution Vela Games Cuts Game Build Times by 60% Using Infrastructure on AWS Amazon Simple Email Service (SES) helps improve inbox deliverability with new features Increasing sustainability for your Microsoft workloads on AWS How Nomad uses Amazon IVS to scale public court livestreams Export historical Security Hub findings to an S3 bucket to enable complex analytics How to control non-HTTP and non-HTTPS traffic to a DNS domain with AWS Network Firewall and AWS Lambda
It's expensive to run for any elected office—something that's reflected in the highly educated, wealthy individuals who make up most of our representatives. Sarah Smarsh, author of Heartland: A Memoir of Working Hard and Being Broke in the Richest Country on Earth, joins Violet Lucca to discuss the potential outcome of the midterm elections. With voting, abortion, and the economy on the line, will the “blue wave”—itself a reductive term—be reversed? They discuss outsider candidates, issues impacting rural voters, and Smarsh's own experience of being asked to run for Senate—and why she decided not to. Read Smarsh's essay: https://harpers.org/archive/2022/11/in-the-running-sarah-smarsh-almost-running-for-office-kansas/ Subscribe to Harper's for only $16.97: harpers.org/save This episode was produced by Violet Lucca and Maddie Crum, with production assistance from Stephanie Hou.
PDXWIT volunteer, mentor, and member of the speakers bureau, Deana Solis, is the inaugural FinOps Leader at Smarsh. As the youngest of five, Deana became known as the most fearful of her family and had to learn how to conquer her fears at a very young age. Throughout her career, she became fueled by her fears and found them to be a source of inspiration for her professional development, learning new skills, and heightened emotional intelligence. She believes we must acknowledge our fears and to know we have agency in our own outcome. Tune in to hear how her fears helped Deana choose meaningful goals in life and how they've impacted her journey as both a mother and mentor.
In the latest episode of our eComms series with Smarsh, partners Anthony Diana and Therese Craparo are joined by Blane Warrene of Smarsh to address the use of collaborative tools by financial institutions. The discussion focuses on different approaches institutions take when using collaborative tools, the questions every firm should ask prior to adopting such tools, and whether and how regulations govern their use.
Liz Lockhart, Senior Director (PMO), and Training at Smarsh Carve-outs are incredibly complex. Buying a small part of a target company brings many challenges and can be even more complicated if the acquirer is carving out a public company. In this episode of the M&A Science Podcast, Liz Lockhart, Senior Director (PMO) and Training at Smarsh, shares her first experience and lessons learned in carving out a competitor. Liked today's episode? Unlock over 60 courses taught by top-tier M&A practitioners by joining the M&A Science Academy. Use code “academy20%” on the sign-up page for a 20% discount, available on either monthly or annual plans. https://www.mascience.com/academy Want to learn about upcoming interviews, events, and industry trends? Sign up for our weekly newsletter. https://www.mascience.com/newsletter-signup If you're a head of corporate development and looking to build up a world-class M&A team, reach out to me at kison@mascience.com. This episode is sponsored by FirmRoom, the fastest virtual data room used to get deals done. Leave the pay-per-page world behind by going to https://firmroom.com/
Sam Kolbert-Hyle is the President & CEO of Brandlive. Brandlive helps the world's best brands create experiences that move people — from town hall-style internal meetings with soul to major marketing events that drive revenue. Under Sam's leadership, Brandlive has grown from a handful of employees to over 150. They've hosted marquee events for companies like Nike, Nintendo, Ark Invest, The Wall Street Journal, Square, Google, GoPro, and Adidas. Brandlive was ranked #1 in Live Events on Fast Company's Most Innovative Companies list in 2021 and in the emerging video category in 2022. During the 2020 election, Brandlive helped the Biden campaign to establish its virtual event presence. Brandlive powered 230 campaigns for Biden's team, securing more than $30 million in donations. As a child of two lesbian parents, Brandlive's values of inclusion and equity are particularly important to Sam. He has intentionally built a culture that promotes and values creativity, flexibility, and inclusion. Sam started his career in private equity at Kayne Anderson Capital Advisors in Los Angeles, a private equity firm focused on growth investments in profitable software-as-a-service and other enterprise software businesses. Prior to Brandlive, Sam spent nine years on the executive team of Smarsh, the leading electronic archiving SaaS company valued at over $2 billion. Sam lives in the Irvington neighbourhood of Portland, Oregon with Sarah, and their kids Ari and Sylvia. What you will learn How Sam got his start in the SaaS world Sam shares about his early career working with Smarsh Discover the little-known benefits of a SaaS model for both businesses and consumers Find out more about the idea behind Sam's company, Brandlive Learn how Sam had to pivot Brandlive as a CEO Discover Brandlive's approach to creating remarkable digital events Learn more about the evolution of the events industry Discover why storytelling is so important in the creative process Plus loads more!
Our eComms series with Smarsh continues as Greg Breeze joins attorneys Anthony Diana, John Lukanski, and Kiran Somashekara to discuss supervision for eComms. They address what must be supervised and surveilled, as well as trends and challenges in the industry.
Regulations impose on financial institutions a strenuous set of capture and storage requirements for electronic communications. Several of these regulations are over half a century old and do not contemplate the ever-accelerating shift to new and innovative forms of eComms. The solution: focusing on content, maintaining current controls, and developing and properly enforcing policies. In our latest podcast, Anthony Diana, John Lukanski, and Kiran Somashekara join Robert Cruz from Smarsh to discuss electronic communications capture and storage requirements and how they impact financial institutions.
This week we're continuing our series on artificial intelligence in compliance. Our guest is Thomas Mangine, Director of AML and Risk Reliance for the Bank of Montreal. In this episode, Thomas shares his unique perspective on staying ahead of adversaries from financial services and defense points of view. He also discusses how data is becoming more valuable and what particular kinds of data are creating new opportunities for emerging forms of AI capabilities. Thomas also details several unique compliance-related use cases and circumstances regarding concerns about sanctions. This episode is part of our broader series on compliance brought to you by Smarsh. If you haven't already, be sure to tune into the previous episodes in this series at podcast.emerj.com to discover more key insights from leaders in the industry.
Jeannetta Maxena, Assistant to the City Manager, City of Mary Esther, Florida, explains the frustrations experienced and resiliency needed during her job search. Then she shares five tips for job seekers:Explore the ICMA Local Government Management Fellowship (LGMF) or similar program on a state level. These don't always mean internship or low pay.Stay visible. Get published, go to events, and more.Use a variety of digital platforms to search.Improve (and sometimes customize) your resume/cover letter.Establish good working relationships.Jeannetta then recalls her experience working on ICMA's soon to be released Job Hunting Handbook, and closes the show with final advice to job seekers and decision makers looking to hire them.ResourcesICMA Local Government Management Fellowship. Applications open September, 2022.Fellows | Host Organizations ICMA's Job Hunting Handbook update coming soon! Career Resource Guides Sponsored by Smarsh
Today's guest is Arcangelo Grisi, Head of Market Surveillance for the U.S. at HSBC. As one of the largest financial services organizations in the world, HSBC generates approximately $50B in revenue per year. In this episode, Arcangelo explores the monitoring of trades regarding manipulating the markets and monitoring communications. He goes into detail about how challenging and essential this role really is within the enterprise. This episode is part of our broader series on AI and compliance sponsored by Smarsh. Smarsh has given us a broad mandate to reach AI experts in the domain of compliance and learn their best practices for adopting the technology. To learn more about sponsored content and how to engage with the Emerj audience, visit emerj.com/ad1.
Financial regulators are increasingly concerned with the enforcement of electronic communication requirements, making compliance a top priority for financial institutions. However, compliance has become greatly complicated by the many changing and emerging technologies as well as an amorphous definition of what an eComm actually is. Anthony Diana and Therese Craparo join Robert Cruz from Smarsh to discuss what electronic communications are and how they impact financial institutions.
Today we're talking to Greg Vesper, CTO of Smarsh; and we discuss how most companies are headed towards having to deal with exabytes of data, and how to set up a strategic data foundation now to future proof your organization. All of this right here, right now, on the Modern CTO Podcast! Check out more of Greg and Smarsh at https://www.smarsh.com/
Today's guest is Kai Schrimpf, Global Head of Transaction Monitoring at UBS. UBS is a financial services organization doing more than $35 billion in annual revenue based in Zurich and Basel, Switzerland. In this episode, we dive into compliance in the banking and financial services space. There are three distinct topic areas in today's episode. First, Kai provides a big-picture perspective on the state of compliance in banking and financial services today and current workflows that could be leveled up. Secondly, he discusses specific use-cases and describes areas where he sees data ‘wake up' in terms of its value for keeping firms in line with regulatory standards. Lastly, Kai shares some business advice for enterprise leaders and speaks about what business leaders should know before adopting artificial intelligence in a financial services organization. This episode is part of a series sponsored by Smarsh. In this series, we're focusing on bringing on global experts in compliance to get varied perspectives on where AI and data are adding value today.
In this episode, we're focusing on compliance considerations in the insurance world. Our guest this week is Pardeep Bassi. He is currently Global Proposition Leader of Data Science for WTW, or Willis Towers Watson, a publicly traded financial services firm based in the United Kingdom. This week Pardeep covers two different topics with us. First, he discusses some areas where regulation intersects with AI applications in insurance and what the potential data risks for elements such as transparency, personal data use, etc., are. Secondly, Pardeep dives into how leaders might consider these regulatory rules in their adoption strategy. Not only to meet regulatory compliance rules but also to potentially use AI to address them. This episode is brought to you by Smarsh and is part of a broader series on AI applications for compliance and communications intelligence. To learn more about how to reach Emerj's global executive audience with Emerj Media, visit emerj.com/ad1.
Today's guest is Brandon Carl, EVP of Product Strategy at Smarsh. Smarsh is a substantial player in the compliance domain in financial services, and in this episode, we're focusing on AI applications in compliance for the industry. Brandon discusses three critical points in this interview. First, he discusses what kind of communications data may serve as financial crime signals or, in other words, what varieties of communications data we should pay attention to. The second point Brandon focuses on is how we can use that data to unlock value and detect financial crime with AI. Lastly, he speaks about how leaders can find the low-hanging fruit in their own communications data. This episode is the first of a sponsored series here on The AI in Business Podcast by Smarsh. Be sure to tune in on Thursdays to gain more insights about compliance and communications intelligence with new episodes of this series.
In today's podcast, Sarah Smarsh discusses her book Heartland: A Memoir of Working Hard and Being Broke in the Richest Country on Earth which is a 2018 National Book Award finalist and a 2022-2023 NEA Big Read title. Smarsh discusses her family background in rural Kansas, intergenerational poverty, and the difficulty of recognizing the impact of class in America. We also talk about her decision to tell the story of her family against a broader background of systemic inequality and of public policies that impact and shape the lives of rural working poor. In this conversation, as in the book, Smarsh combines sharp socioeconomic insights with the deep psychological understanding that comes from a lived experience in poverty.
In today's podcast, Sarah Smarsh discusses her book Heartland: A Memoir of Working Hard and Being Broke in the Richest Country on Earth which is a 2018 National Book Award finalist and a 2022-2023 NEA Big Read title. Smarsh discusses her family background in rural Kansas, intergenerational poverty, and the difficulty of recognizing the impact of class in America. We also talk about her decision to tell the story of her family against a broader background of systemic inequality and of public policies that impact and shape the lives of rural working poor. In this conversation, as in the book, Smarsh combines sharp socioeconomic insights with the deep psychological understanding that comes from a lived experience in poverty.
As regulations around data continue to shift and companies adapt, many have struggled to find success while also keeping up with new regulatory obligations. Uday Kamath is expertly navigating this field, leading the highly collaborative and productive data and analytics team at Smarsh as the Chief Analytics Officer. Uday has 20 years of experience in data and analytics, alongside extensive experience leading teams. His wide range of technical knowledge, includes Statistical Learning techniques, Machine Learning theory and practical implementation, Optimization techniques, Fraud Detection, Bioinformatics, and more. Hear about Uday's work as the CAO of Smarsh and get the answers to these questions: How to achieve success while managing regulatory obligations with data What it's like to manage expectations across departments and fostering a collaborative culture How current analytics trends that are driving added value for analytics professionals How to build a high-quality team with high growth, collaboration, and productivity More information about Uday and today's topics: LinkedIn: https://www.linkedin.com/in/udaykamath/ Smarsh: https://www.linkedin.com/company/smarsh/ Check out Uday's recently published books: Transformers for Machine Learning: A Deep Dive Explainable Artificial Intelligence: An Introduction to Interpretable Machine Learning Additional Resources Read & Watch: Data Lake Opportunities: Rethinking Data Analytics Optimization [VIDEO] Read: 10 DevOps Tools for Continuous Monitoring Read: Differentiate or Drown: Managing Modern-Day Data Read: Inside DataOps: 3 Ways DevOps Analytics Can Create Better Products
If you missed part one, listen here to learn how to recognize the value retirees and other older adults have and the positive impact they can have on our communities, including municipal boards and commissions and special projects that fill service gaps.Greg and Cora return for part two to dive into the details of what it takes to launch the Give 5 Civic Matchmaking Program, including: An overview on how to identify the community challenges that Give 5ers could help address.How Give 5 can get started in your own communities: general operational needs and requirements and an estimated launch plan and budget.Instructions on what it takes financially and operationally to launch a program in the Give 5 network.Answering questions about community engagement, volunteerism and increasing levels of social capital to build unity and trust in local government.Visit give5program.org or Email Greg and Cora directly at: give5@uwozarks.orgSponsored by Smarsh
Mara Mintzer, Co-Founder and Executive Director of Growing Up Boulder, and Sarah Huntley, Director of Communication and Engagement, City of Boulder Colorado discuss how ideas from kids can help local government design better cities and develop engaged citizens.Why the effort is worth it.How the work is done.Examples of sample projects that were approved and completed, including transportation planning and an organized response to a mass-shooting.Resources:Through June 30, 2022, use code ICMA25 for 25% of Placemaking with Children and YouthMara Mintzer's TedTalkGrowing Up BoulderSponsored by Smarsh
Elyssa is joined by Elizabeth Moffett, a Jobs for America's Graduates teacher at Whiteland Community High School. Elizabeth provides context on “Educated” by Tara Westover. A memoir of what happens when a girl grows up in a survivalist community in Idaho and doesn't start formal education until college. Up next, Elyssa continues the memoir theme of the show by looking at “Heartland: a Memoir of Working Hard and Being Broke in the Richest Country on Earth” by Sarah Smarsh who asks us to look at modern-day America differently. Plus, Elyssa and Elizabeth find a way to include Dolly Parton in the conversation.
Blane Warrene is the Vice President of Product Management at Smarsh, an organization that helps companies manage risk in their electronic communications. Tom Fox welcomes him to this week's show to talk about a variety of topics surrounding compliance around mobile and hybrid work environments. Compliance Challenges in The Hybrid Work Environment There are three key factors that are compliance challenges in the hybrid work environment: the risk that comes with using company devices, bringing your own devices to handle company data, and consumer applications. Blane stresses that implementing policy is vital because policy is the frame in which the organization operates. However, Blane also remarks that a layer of processing technology has to be embedded within policy in order to completely tackle the issues that cause compliance challenges. Finding The Right Balance Many companies and clients struggle with finding the right balance among apps, smartphones and global work tools. The key to achieving this balance is to first find out what the client or customer wants to enable. "The right first question is what problem are you trying to either solve, or what do you need to enable for your business," Blane tells Tom. Take compliance out of the equation and simply focus on what the customer wants to achieve with their company. When you approach it that way, you often get a clearer answer that leads to the use case. Capturing Communication Tom asks Blane what Smarsh recommends to capture or archive communications such as email or text. Blane explains that social media communication is what you want to plan for because each of the sources that you go to, has a different way to get the data. Smarsh makes it easier for someone who wants to capture a wide set of data. "What we do recommend is that it comes in on a regular frequency such as real time or daily, and they certainly have the ability with retention rules to not keep everything forever which is not productive," Blane says. Certain pieces of data can only be kept for a finite period of time, but doing this ensures that the client doesn't have a blind spot on the things they know they're using. What Tools Should You Allow Companies sometimes determine what tools they should allow based on where they are in the world. The tools are also based on what they as companies are trying to solve, how they communicate and what models they support. "That discussion helps us, basically enable us, to say to them 'Here is the way you solve these use cases and ultimately you want them in a single pane of glass'," Blane expresses. He adds that from a compliance perspective, you want to know that you can retain that data even if you get it in different ways. Data should be able to be viewed in a common context and not across separate silos. Resources Blane Warrene | Twitter Smarsh
Episode 1 Deana Solis - Building Trust & FinOps Culture FinOps Pod launches for the first time with guest is Deana Solis, Sr. FinOps Engineer at Smarsh. Deana has been an active practitioner member of the FinOps Foundation since early 2020 and has been an active contributor to working groups in the foundation. During the interview, Deana goes over the importance of community, diversity and how to build trust when implementing a FinOps culture. Key Moments: [10:46] - Thinking about people when designing policies and process [15:18] - Culture clashes between new and experienced workers when implementing change [20:08] - Finance vs Engineering culture clashes [23:06] - Diversity in styles of work [32:11] - "Not Savings Plans for RDS" Relevant Links https://www.linkedin.com/in/solisdeana/ (Deana Solis LinkedIn Profile) https://www.linkedin.com/in/noelcrowley/ (Noel Crowley LinkedIn Profile) https://www.linkedin.com/in/stacy-case/ (Stacy Case LinkedIn Profile) https://www.linkedin.com/in/joseph-daly-52789220/ (Joe Daly LinkedIn Profile) https://www.finops.org/projects/identifying-shared-costs/ (FinOps Foundation Shared Costs Working Group - Guide to Spreading Out Shared Costs) Learn more and join the FinOps Foundation at www.FinOps.org. Music by https://pixabay.com/users/skilsel-22933514/?tab=audio&utm_source=link-attribution&utm_medium=referral&utm_campaign=audio&utm_content=8303 (Skilsel) from https://pixabay.com/music/?utm_source=link-attribution&utm_medium=referral&utm_campaign=music&utm_content=8303 (Pixabay)
Greg Smarsh teaches Social Studies & Government at Andale High School, coached Football and Track & Field, and instructs students in the Driver's Ed program. During this episode, Greg talks about his career of nearly three decades as a teacher and coach in a public high school and all of the fun stories that come with it such as mischievous students, the important lessons taught in sports, and why teaching can be so rewarding.
Robert Cruz is the Vice President of Information Governance at Smarsh and is Tom Fox's guest on this episode of the Innovation in Compliance Podcast. Tom and Robert talk about information and data governance, communications data strategies, and how Smarsh helps its customers mitigate risks through its platforms. New Communication and Risk In the hybrid work environment employees use new communication sources such as Whatsapp, Discord, and Slack to converse daily. This poses a risk that compliance professionals are now challenged to govern since each of these technologies is different. Firms have to update their systems for this purpose and this is where Smarsh comes in. "Our communications intelligence strategy and platform helps customers bring [communication data] into a central point of control, so they can not only identify the risk but also that they can leverage this information as an asset of their business," Robert tells Tom. These new communication sources are simply ways for companies to engage, and if leaders can engage on their clients' terms, it can allow them to expand their markets. A Level of Complexity Workers have started to return to the office. Tom asks Robert to share how this has impacted the hybrid work environment, and if it has added any complexity for the compliance individual. The biggest challenge for compliance is that controls need to work consistently regardless of where an individual is. "You need to be securing an individual, not securing the particular location that individual is located in," Robert says. Compliance professionals need to make sure that they don't have blind spots, and that their controls work regardless of technology. This has also created more areas for which compliance professionals have to be accountable. What's Next Communications data strategies in the coming years are not going to be heterogeneous. Robert stresses that when data is heterogeneous, it makes it difficult for people to understand. What is going to happen in the future is an acceleration in public cloud adoption and the adoption of artificial intelligence solutions. "The use of the machine to help individuals get through the volume and variety of information... are definitely on trend lines and will just become even more prominent and common across not just large enterprises but into medium size and even smaller firms in the near future," Robert remarks to Tom. Resources Robert Cruz | LinkedIn Smarsh
Dolly Parton's image is glittery and bubbly, blonde wigs and rhinestone dresses – which belies the powerful brand of feminism that attracts her to adoring fans. Sarah Smarsh joins host Krys Boyd to explore the creative genius of the iconic singer and actress — a prolific songwriter of more than 3,000 songs — and a pioneer for exploring class and gender issues in America. Smarsh's book is called “She Come By It Natural: Dolly Parton and the Women Who Lived Her Songs.”
Poverty exists, but it's hard to grasp what it's really like if you've never experienced it firsthand. Journalist Sarah Smarsh joins Viewpoints this week to share her story of growing up poor in rural America. She shares memories from her childhood
Jared Smarsh is a Registered Nurse that works in the Trauma Surgical Intensive Care Unit. During this episode, Jared gives insight into his daily life working in a hospital with all different types of patients and injuries. Tune in for first hand information on some of the best and worst stories that nurses have to deal with on the job.
(Note: This interview first aired back in October.) We welcome Sarah Smarsh back to StudioTulsa for a discussion of her latest book. It's a collection of essays that all focus on a certain country-music icon who also happens to be one of the most unifying figures in American culture: Dolly Parton. Smarsh talks with us about how Parton has, for decades now, both embodied and emboldened American women who live and work in poverty. Few other musical artists, the author argues, seem as truly **genuine** as Parton, and few can match her gift for telling powerful stories about life, love, men, family, hard times, and surviving. As per The Washington Post: "As she did in her 2018 memoir, 'Heartland,' Smarsh offers a feminist take on America's rural working-class women who eschew the term 'feminism.' The author looks at how songs by Dolly Parton and other country-music performers illuminate stories of women who might otherwise be overlooked: tired waiters, pregnant teenagers, spurned wives,
This week Farai Chideya talks with journalists who are changing the world around them. First, veteran journalist Maria Hinojosa on creating a more inclusive newsroom as one of the pioneering Latinas in public radio. Then journalist Wendi Thomas on why she built a newsroom by and for locals in Memphis; and Jenni Monet on decolonizing our news feeds. The New York Times’ Somini Segupta talks about covering the climate crisis. And Lisa Lucas explains how a Twitter hashtag changed her career path, and her goals as a new publisher. Plus, the women behind the Guild of Future Architects join Farai for the second part of their conversation on envisioning our collective future.Episode Rundown1:22 Veteran journalist Maria Hinojosa talks about the ups and the downs of her career in public radio and what she’s learned in the process.5:12 Hinojosa talks about having to defend herself in the newsroom, even as colleagues accused her of having a “Latino agenda.”6:55 Hinojosa talks about creating the newsroom she wished she had as a young journalist, in Futuro Media Group.13:05 Tennessee journalist Wendi Thomas on why she started her media outlet, MLK 50, and how she was able to get the funding to make it all happen.15:40 Thomas recently won an award for her investigative piece about a local hospital suing patients, “whose only mistake was being sick and poor at the same time.”17:05 Thomas talks about why local journalism is so important in creating change.18:30 Our weekly Covid update looks into how the pandemic has wreaked havoc on those who were already experiencing hardships before Covid. 20:39 Investigative reporter Jenni Monet talks about her newsletter, called Indigenously: Decolonizing Your News Feed.24:04 Chideya and Monet reflect on their time at Standing Rock and whether or not people should expect their government to make change.27:42 Somini Sengupta shares what she’s learned covering climate change for The New York TImes, “I've learned that climate change is not a future risk. It is a now risk.”32:03 Lisa Lucas, the Executive Director of the National Book Foundation, talks about rising up in the literary world.35:57 Lucas talks about the tweet that landed her a publishing job.34:40 Lucas never imagined herself to be a publisher, but has big goals for the position.38:39 Journalist Sarah Smarsh talks about her piece “Poor Teeth,” which explores the accessibility of dental care in America and how it is an indicator of socioeconomic status.40:39 Smarsh talks about The Poor People’s Campaign and how it is carrying out the legacy of the Reverend Martin Luther King Jr.42:42 Why Dolly Parton is an important role model for feminist, working class women.44:28 Guild of Future Architects founder Sharon Chang explores the importance of imagination in studying history.46:36 Farai shares a listener voicemail and discusses paths to equitable and accessible care systems with the Guild of Future Architects leaders.
Dolly Parton’s image is glittery and bubbly, blonde wigs and rhinestone dresses – which belies the powerful brand of feminism that attracts her to adoring fans. Sarah Smarsh joins host Krys Boyd to explore the creative genius of the iconic singer and actress — a prolific songwriter of more than 3,000 songs — and a pioneer for exploring class and gender issues in America. Smarsh’s book is called “She Come By It Natural: Dolly Parton and the Women Who Lived Her Songs.”
We welcome Sarah Smarsh back to StudioTulsa for a discussion of her new book. It's a collection of essays that all focus on a certain country-music icon who also happens to be one of the most unifying figures in American culture: Dolly Parton. Smarsh talks with us about how Parton has, for decades now, both embodied and emboldened American women who live and work in poverty. Few other musical artists, the author argues, seem as truly **genuine** as Parton, and few can match her gift for telling powerful stories about life, love, men, family, hard times, and surviving. As per The Washington Post: "As she did in her 2018 memoir, 'Heartland,' Smarsh offers a feminist take on America's rural working-class women who eschew the term 'feminism.' The author looks at how songs by Dolly Parton and other country-music performers illuminate stories of women who might otherwise be overlooked: tired waiters, pregnant teenagers, spurned wives, loyal daughters."
Kansas writer Sarah Smarsh's 2018 book, "Heartland: A Memoir of Working Hard and Being Broke in the Richest Country on Earth," was a New York Times best-seller and a finalist for the National Book Award. It earned her high-profile invitations, such as introducing civil rights icon Dolores Huerta at the 2019 Obama Foundation Summit in Chicago. "It's been very humbling to know that folks who kind of have their hands on the levers of power saw something worth reading in the book," Smarsh said. Her new book is about a very different but perhaps more powerful figure: "She Come By It Natural: Dolly Parton and the Women Who Lived her Songs," is out this week from Simon & Schuster. "I was raised by women who didn't go to college, they never studied feminist theory, but they embodied feminism's tenets, even if they were averse to the term because it had been somehow weaponized by, you know, political forces," Smarsh said. "And it struck me that Dolly Parton was a was a perfect model to explain that."
- Mc Fullstop & DJ Smarsh Reggae Boyz July 4th Weekend Live Juggling Virtual Showcase - . We reached out to MC Fullstop via Instagram to allow us to share this showcase! As heard on the #ReggaeBoyzLiveJuggling 4th July Weekend Facebook live mix featuring the hottest new reggae-dancehall albums, riddims, plus your favourite roots reggae music & more. . Follow Reggae Boyz: https://www.facebook.com/officialRiddimVybzK24/ https://www.mixcloud.com/mcfullstop/ https://www.youtube.com/channel/UC5x7w_6SVLfm_2FQfseqb2Q . Each and every week, The #LazeReggae crew presents a 1 hour dancehall reggae show with your favorite fresh hardcore dancehall juggling, exclusive interviews,remixes, dubplates, roots & culture, oldies, foundation, Afrobeats and more, plus your dancehall e-news and event highlights. It's your bombastic plug to everything Dancehall and Reggae from Kenya to di world. #PoweredByWhatsGoodStudios at @iHub #LazeReggae Audio Engineer - Lucky Jakes Powered By What's Good Studios at iHub. E: trinitystarfamily@gmail.com Whatsapp: +254716659166 Mixcloud: www.mixcloud.com/laze-reggae/stream/ FacebookLive: www.facebook.com/FahruqF/videos/1644776098948213/ Soundcloud: soundcloud.com/wgradio/sets/lazereggae Website: lazereggae.wordpress.com/ Spotify Playlist
In this episode, Ryan is joined by four of his WT colleagues: Dr. Alex Hunt, Dr. Tim Bowman, Dr. Ashley Pinkham, and Dr. Christopher Macaulay. Together we discuss Sarah Smarsh’s bestselling 2018 book Heartland: A Memoir of Working Hard and Being Broke in the Richest Country on Earth. Smarsh was born in 1980 and grew up poor in southern Kansas, the daughter of generations of wheat farmers on one side and generations of teenage mothers on the other. Her memoir, a National Book Award finalist, reads as a corrective to the mystification of the struggles of the rural working-class in America. It is also a rhetorically complex work of literature, written as a letter to the unconceived daughter Smarsh promises herself she will never deliver into a life of poverty. The episode begins with a discussion of the panelists’ initial reactions, both critical and celebratory, followed by a more focused discussion in which they draw on their unique perspectives as scholars of literary studies, history, developmental psychology, and political science. Over the course of the conversation, we talk about a range of issues, from where the book fits into the tradition of Great Plains literature, to what it says about rural America’s ambivalent relationship with the two-party political system, to how we might imagine using this book in a college classroom in the Texas Panhandle.
BE SURE TO SEE THE SHOWNOTES AND LISTEN TO THIS EPISODE HERE. Eve Picker: [00:00:08] Hi there. Thanks so much for joining me today for the latest episode of Impact Real Estate Investing. [00:00:14] My guest today is Mark Roderick, founder of Lex Nova Law and one of the top online crowdfunding experts in the country. I asked Mark to join me today to discuss the very exciting changes proposed by the Securities and Exchange Commission to regulation crowdfunding. In case you haven't heard of it, regulation crowdfunding, or Reg CF, is the securities regulation that is really the first step taken by the S.E.C. towards democratizing investment. The additional changes proposed will give this regulation real legs. [00:00:57] Be sure to go to EvePicker.com to find out more about Mark on the show notes page for this episode. And be sure to sign up for my newsletter, so you can access information about impact real estate investing and get the latest news about the exciting projects on my crowdfunding platform, Small Change. Eve: [00:01:18] Hello, Mark, it's delightful having you on my show. Mark Roderick: [00:01:21] Well, thank you very much. It is delightful sort of being there. Eve: [00:01:25] Very good. Mark: [00:01:26] Virtually. Eve: [00:01:25] Just sort of. Yeah. Okay. Today, we're going to talk about raising equity online, which is a pretty wonky subject, but you and I like it. And raising equity online is also known as equity or investment crowdfunding. You said these proposals are great for the crowdfunding industry and for American capitalism. They're not about Wall Street. They're about small companies and ordinary American investors, where jobs and ideas come from. And you were referring to some proposed changes to equity online raising funds. And according to the S.E.C., a majority of entrepreneurs and emerging businesses raise capital using an exempt offering framework under the Securities Act. And they raise everything from seed capital for new businesses, to funding growth on the path to an initial public offering, and, also, raise equity for real estate. So, I wanted to talk about the rule changes and why you think they're so great. Mark: [00:02:35] Well, okay. Big question and a big, big topic. I mean, maybe I'll just start at the granular level and then kind of work backwards. If you are in or around the existing industry, And I'm going to call it the Title 3 industry or the Reg CF industry, as opposed to what we might call the Rule 506(c) accredited investor industry. The accredited investor industry in real estate is super-healthy. People are raising a lot of money and platforms are profitable and all kinds of wonderful things are going on. In contrast, the Reg CF world, the industry, it's sort of, you know, like when you cross the railroad tracks and crossed into the less affluent part of town. It's a very, almost, I don't want to get too hyperbolic, but, you know, it's a little bit of a desolate landscape. Eve: [00:03:41] Oh yes. Mark: [00:03:41] It's very difficult to make money for funding portals, and it's a vicious cycle as opposed to a virtuous cycle. So, it's hard to make money. Very small companies with very limited resources are applying because of the limits – we can only raise up to a million dollars a year, and in real estate, in particular, that's not very much money. And that leads the portals, the funding portals, too many of them, not yours, I should say, but too many of them have adapted to that situation. You know, you're trying to squeeze money out of people who don't have any money and have led to a lot of shortcuts, and what I called gimmicks, and that is a vicious cycle because investors, who are not dumb, see that, they see that's what's going on. You know, they just ignore the entire industry. And that means that high quality companies are that much less likely to try to use Reg CF. And it has been a vicious cycle. Eve: [00:04:46] Just backing up one minute. I think some of our listeners maybe not familiar with Reg CF or regulation crowd-funding. So, I just feel like I need to fill in a little bit. Regulation crowdfunding and other online crowdfunding rules grew out of the Jobs Act of 2012, and the intent was really to move online crowdfunding for donations to crowdfunding for investment, right? And so regulation crowdfunding is the rule that lets anyone over the age of 18 invest, but really kind of limits how much they can invest, and how much the company raising money can raise. Those limits, I think, have been the real stumbling block, right? Mark: [00:05:31] Yeah. Eve: [00:05:32] So, this has translated into smaller offerings, just like you said, which these funding platforms, which are very heavily regulated to use that rule, it means that they can't make a lot of money. And that's kind of where you left off, right? Mark: [00:05:50] That is exactly right. Eve: [00:05:52] The new rules, which you seemed very excited about last week, I think, will make some big changes in that landscape. Mark: [00:06:01] Yeah. They will make a couple changes that are, I think, taken together, just gonna be very, very important and are really going to, to continue that bad metaphor I was using, really revitalize the Regulation CF neighborhood. These are the two most significant changes. As you said in your overview, Regulation CF or Title 3 – those are interchangeable names for the same set of rules – limit very severely how much each investor can invest. And the idea here was to protect widows and orphans from all the shady entrepreneurs out there. But even if the widow or orphan wants to invest his or her entire net worth into a questionable company, the Reg CF rules won't allow that. To the contrary, they allow only very small investments. And that means that when you're trying to raise money in Regulation CF, you have to find lots of investors, because each of them can only contribute a very small amount. And, you know, that's hard. Marketing is hard. Eve: [00:07:21] It's very hard. Mark: [00:07:22] It is also inconsistent with other S.E.C. rules, which in general allow accredited investors to invest as much as they want. One of the fundamental concepts in U.S. securities laws since the 1930s has been that rich people can take care of themselves. They don't need the government to protect them. And so the term 'accredited investor' is sort of a stand-in for rich people. All of the other S.E.C. rules, really, allow accredited investors to make bad decisions, you know. An accredited investor can invest his or her entire network in a single deal. And people have noted, since the outset of regulation crowdfunding, that the regulation crowdfunding restrictions are inconsistent with that general concept. So, one of the changes just made by the S.E.C., or proposed, is that, what do you know, accredited investors will no longer be subject to those severe limits. In fact, they won't be subject to any limits. So, now if you can attract some accredited investors, you know, you can get people to write big checks. So, that's an important change. Really important change. Eve: [00:08:40] Yeah. Yeah. I mean, I'll give one example that has impacted us. We have quite a few account holders or investors who are accredited by definition based on their net worth. And they have very healthy networks, but they're retired and they own their houses and their income is maybe below 100,000. And under the regulation crowdfunding Reg CF rules, one of these investors was limited to investing 4,000 a year under Reg CF. But as an accredited investor, she can invest however much she wants. That's how weirdly bad the rule is right now. Mark: [00:09:20] Yeah. And just to take that one person, I don't know how much of a check that person might write, but let's say it's, you know, 25 or 50,000 dollars, which is not an unusual investment in the Rule 506(c) world. So .. Eve: [00:09:34] Yeah. Mark: [00:09:35] ... she goes from even conservatively ... Eve: [00:09:38] She couldn't be bothered investing 4,000. She might be interested in 15,000 or 20 or 25 but not ... Mark: [00:09:44] Yeah. Eve: [00:09:44] Yeah. Mark: [00:09:45] So, it doesn't take many of her, you know, the difference between four and say, even conservatively, 25. Those numbers add up quickly. That change in itself was significant. But, in addition, the second change is they've raised the limit from a million dollars to five million dollars. And that means bigger companies, companies with more revenue, more products, more services, more scale. Bigger companies can now start using Reg CF. Yeah, I mean, you know, Eve, that a million dollars is not very much in the real estate world. Five million dollars really is a lot. Lots and lots and lots of deals are done with equity of two or three or four million dollars. So, it vastly expands the number of ticket holders who are allowed to attend this event. And then, when you put those two together, you know, now we can do a three million dollar raise where we can raise as much as we want from accredited investors. That, suddenly, becomes an extremely viable business. And that's the point that funding portals will now be able to make money. In fact, they'll be able to make significant amounts of money. You know, that's like, again, going back to that metaphor, that is pouring a lot of money into that neighborhood. And you're going to see, in my view, just a fundamental change. You're going to walk through the streets and say, oh, that used to be a dilapidated building. It looks nice now. And so on and so forth. And you're going to see better business practices from the portals. I believe you're going to see much higher quality offerings on those portals. In fact, you're going to see websites that were formerly only in the Rule 506(c) world who had shunned Regulation CF. You're going to see those companies getting their portal licenses and saying, hey, we can now expand our investor clientele at very little cost. You know, we've been marketing only to Rule 506(c) accredited investors. Now we can market to everyone. Why not? Eve: [00:12:10] Maybe the answer, response to why not, is the regulation that is attached to, being a funding portal, and not to 506(c). Mark: [00:12:20] Yes. I mean, it's certainly an impediment. I mean, you've been living in this world for the last five years and the regulation can make you pull your hair out. But the business opportunity, it seems to me, is ... the landscape just changed completely in my view, you know, I ... within the last three weeks before these proposals came out someone called me, a company, you know, we want to be a funding portal. And I tell them, because I try to be very straightforward with anyone, you know, you're not going to make any money. It's a funding portal. Eve: [00:12:55] Right. Mark: [00:12:55] You know, you want to go, have to expand, vertically integrate. But it's a very, very difficult business. And that was advice I've given in the last two weeks. You know, I've had people contact me since the proposals, and it's totally different advice. This is a real opportunity. Eve: [00:13:13] Yeah, yeah, yeah. Interesting. Mark: [00:13:14] I mean, how do you see it affecting your business? You're in the business. Eve: [00:13:19] The thing you haven't touched on yet is, there's a couple of things that really matter to me. And one is, yes, the fact that accredited investors can invest whatever they want really matters, because I no longer have to offer side-by-side offerings which are very complicated and time-consuming. So, by a side-by-side offering, I mean a Reg CF plus a 506(c), at the same time. So, that can go away. I think the fact that the investor limits have been turned upside down is huge. The fact that now an investor can invest the greater of their net worth or income is absolutely enormous for my crowd. And then I think the single purpose entity rule, which we haven't talked about yet, is huge. Until now, if you're going to use a regulation crowdfunding offering type, your investors must invest into the actual deal, which is often not the way that real estate deals work. So, being able to collect a group of investors in a single purpose entity to invest into a project, or a series of projects, is a very big deal. And I've been talking to one institutional developer who was really pulling his hair out and trying to figure out how to make Reg CF work for the community he's interested in using it for, and that particular change makes the whole thing possible. There's more, I'm sure, testing the waters. I mean, we haven't talked about all these things, Mark. So, the marketing rules around Reg CF are stifling. And so I want to learn more about what does it mean now to be permitted to have a demo day or to test the waters to, you know, just show the deal before you actually register it with the S.E.C.? I think all of those things really matter. Mark: [00:15:13] Yeah. There are some other important changes, including, as you say, this so-called testing the waters. We used to have this ridiculous rule, really, that subjected, you know, these tiny Title 3 issuers to more stringent rules, you know, then the largest companies. It was crazy. Eve: [00:15:35] Yeah. Mark: [00:15:36] If you were talking, some developer was trying to create this little project, you know, you had to tell that person, you can't even whisper that you are considering a Title 3 [offering] ... You can't tell anyone, you know, don't tell your wife. And it was just this ridiculously restrictive rule. So, that is now going to be swept away. And basically, for all intents and purposes, Title 3 companies, issuers are going to be like everyone else. Yeah, you can talk to people about it. You can't take their money. But that's an important change for sure. The demo days. Meaning when you're local science center has a demo day you are now actually allowed to ... to attend. It was crazy that you couldn't attend before. We should mention that they've taken some things away. Many Title 3 issuers, the security that they were offering, as you know, were called SAFEs – Simple Agreement for Future Equity. Very popular. The S.E.C. has been convinced by someone that that is not an appropriate instrument for a small company to issue. So, they're going to absolutely get rid of them. Another very popular instrument – revenue sharing notes. It isn't clear from the proposals, but it sure looks like they're getting rid of revenue sharing notes or at least want to. Eve: [00:17:04] Interesting. Mark: [00:17:05] You know what the lord giveth, the lord taketh away. I know there's going to be, during the public comment period, there's going to be a lot of people complaining about those two things. We did take a couple steps backward, but I think we took about 10 steps forward, so, on the whole, they have made the market much more robust. Yeah, I think it's very exciting, I, you know this is a world that, you know, you and I have both drank the Kool-Aid a long time ago. This is about providing capital for lots of people whose access to capital has hitherto been restricted. And it's also about providing investment opportunities to ordinary Americans that have hitherto been reserved for the ultra-wealthy. Eve: [00:17:55] Yeah. Mark: [00:17:55] And that's why my blog post said, you know, this is not about Wall Street. It is actually about undermining Wall Street. It is about a sort of direct to the people, democratic American capitalism. And I think this is a really good step in the right direction. I don't see any down side personally. Eve: [00:18:17] Yeah, so you think the number of funding portals is going to explode? Mark: [00:18:20] I do. Eve: [00:18:21] It's about 50 now, right? Mark: [00:18:23] Something like that, yeah. Eve: [00:18:24] And in real estate? Mark: [00:18:26] I do. I think you're going to have some competitors, which is good. Yeah, I think there are going to be real estate funding portals, I even think, Eve, I think that the big real estate, the Rule 506(c) sites, I think they're going to consider very seriously having subsidiaries that are funding portals. Eve: [00:18:47] Interesting. Mark: [00:18:48] I think it's a natural to expand their customer base. You know, I've always said that portals are like retail stores. And I read a blog post once, saying a portal is like DSW. And DSW doesn't limit the kinds of shoes that it sells, and it wants every kind of customer to walk in the door, right? And even, you know, a brand like Mercedes Benz, they don't sell only a 100,000 dollar cars, you know, they sell a 35,000 dollars car. Why? Why do they do that? It's not to make money from selling a 35,000 dollar car. It's to get people into the showroom. Eve: [00:19:33] Yes. Mark: [00:19:33] And expand their demographic customer base. And I think that's the natural route for portals as well. We want to accredited investors. We want non-accredited investors. We want everyone, right? I mean, that's always make sense to me. Eve: [00:19:46] Right. Right right, right. So, can you think of some examples of projects that you saw in the past that if they went live now, would do so much better? Or is that too hard a question? Mark: [00:19:57] You're, I mean, you're the one who would know that. Eve: [00:19:58] We have an offering live right now, which was just so complicated to put together, a side-by-side offering. And, you know, an opportunity zone fund offering. They really needed a single-purpose entity for the opportunity zone fund investors. And, of course, we couldn't use it for Reg CF, so the Reg CF investors missed out on the opportunity zone, tax discounts. And, you know, thinking about how that would be put together under the new rules, it would be so easy. Mark: [00:20:31] Yeah. Eve: [00:20:31] I spent months putting it together. Mark: [00:20:35] I mean, probably every project you've ever had on your platform. Eve: [00:20:38] Yes. Mark: [00:20:39] You would've had the ability to pitch it to accredited investors. Simultaneously. And you would have been legally been earning commissions on all of those transactions. Eve: [00:20:50] Yes. Yeah. That's a really big problem. Mark: [00:20:53] I mean, your life would have been very different. Eve: [00:20:54] Well, I can't go back five years, can I? Mark: [00:20:57] No. Eve: [00:20:58] So, what about the whole 'not being able to talk about the terms of the deal'? Like that's been another really huge stumbling block when you do advertise Reg CF offering, you're not permitted to talk about the teems. You can't say, you know, the offering is nine percent preferred return. You're not permitted to say that. You're not even permitted to say the minimum investment amount. Whereas with a 506(c) offering, you can say all of that. Is that going to change? Mark: [00:21:27] Not yet. It wouldn't surprise me if it changed in the future. So, yeah, you're gonna be stuck with those same advertising limitations. Now, I will just say that you can say those things. Eve: [00:21:41] Yes, but that's all you can say, right? Mark: [00:21:42] But that's all you can say. Eve: [00:21:44] Yeah. Mark: [00:21:45] And you can say a lot. You know, you can say come invest in this fabulous multi-family project in Downtown Pittsburgh, and it's 72-percent leased and it's gorgeous and it's environmentally friendly. You can go on and on and on and say all those things. Eve: [00:22:04] You can't say "it's gorgeous" because it's in adjective, right? Mark: [00:22:07] Ok, well, now I think, I can, I think you can say "gorgeous." Eve: [00:22:11] No, I can't. Mark: [00:22:13] The only thing you can't say is ... Eve: [00:22:15] I got my knuckles rapped for saying "bold." Yeah. Mark: [00:22:20] You just can't say, and by the way, we're raising two million dollars for that project. You know? You can talk about the project until you're blue in the face. Eve: [00:22:29] Yeah. Well, that's been pretty good for us because we want to talk about the projects, but still it is a stumbling block. I think people sit up and pay attention when you say you can invest as little as 1,000 dollars and they're looking at an ad talking about a great project, but they don't really know. It's a question of will they click through? Right? It's definitely a stumbling block. Mark: [00:22:50] Yes. And it will continue to be. Eve: [00:22:53] Yes. Ok. So, I want to just shift gears a little bit. We're doing this a bit backwards. But how did you become an S.E.C. crowdfunding expert, and why? Mark: [00:23:04] Actually, Eve, I think our stories are in some ways, similar. So, I mean, I've always been a boring corporate lawyer. And in being a boring corporate lawyer, I've represented entrepreneurs my whole career. And when you represent entrepreneurs, one of the things you spend a lot of time doing is helping them raise capital. Entrepreneurs are always looking for capital, and raising capital used to be, you know, really, really hard. It's still really hard, but it used to be, before the crowdfunding rules, a lot harder, as as you know. And when I saw the Jobs Act on the horizon, this must happen back in like 2011, which is amazing, of course, how quickly time flies. Eve: [00:23:50] Yes. Mark: [00:23:51] But I said, wow, you mean you're going to be able to use the Internet to raise money? This is huge. It's transformative. It's disruptive. It's fantastic. And I drank the Kool-Aid right away and thought this would just be a great thing for the American economy. And I said, it's going to be fun and I want to be involved with it. So, I immediately decided that that's what I was going to do. So, I learned all about it and started writing this blog and started speaking about it in public. And I'm so enthusiastic about it, and the rest is history. So, that's my story, which in some ways is probably similar to yours, right? Eve: [00:24:33] Yes. Mark: [00:24:34] You saw it and you said, aha! Eve: [00:24:36] Yes. But not enough of us yet. Right. Still a pretty small industry. Mark: [00:24:41] Still a pretty small industry, but it is growing, you know. People are raising, we talked about five million being a pretty good real estate deal, you know, people are raising 15 million now. And that, when, you know, when you and I got into this industry, the concept of being able to raise 15 million dollars for a deal online was unthinkable. Eve: [00:25:06] Yes. Mark: [00:25:06] You know, people were raising 250,000 dollars to do a fix and flip. The industry is now funding from very significant deals. And because entrepreneurs are always looking for capital, you know, the entrepreneurs of the world are really paying attention. Eve: [00:25:26] Yes. Yeah. Mark: [00:25:27] I'm a pretty good barometer because I am pretty well-known in the industry and I will, so when I say my phone has sort of been ringing off the hook, that's a pretty good industry barometer. Eve: [00:25:40] It is. Yeah. Mark: [00:25:41] You know, it probably means lots of peoples' phones have been ringing off the hook. And this latest change really has gotten people's attention. Eve: [00:25:49] Yes. Well, it should. Mark: [00:25:52] So, I think in 2020, I really think the industry, those of us who survive the coronavirus, anyway ... Eve: [00:26:01] Oh, that's depressing. Mark: [00:26:02] Yeh, and I ... then are going to, you know, really see a significant uptick. Eve: [00:26:10] Yes. So, I have to ask the next round of improvements that the S.E.C. makes, what do you want to see on that list? Mark: [00:26:17] So, I get asked that question a lot and I never have a ready answer because I've been doing this, you know, I've been practicing law for so long. I have learned not to think about possible legislative or regulatory changes because they are so rare and so unpredictable, you know. There are two things you never want to see being made. One is sausage and the other is law. I just focus on the world that I have, that I'm in, rather than on how it might be improved. Eve: [00:26:57] I get it. The thing I think about is of regulatory burden, which is enormous for small companies. Really enormous. Mark: [00:27:05] And how would you address that? Eve: [00:27:08] For a small company that's never done something like this before. As a member of FINRA, not only are you following, you know, the regulation crowdfunding rules, but you're also following FINRA's rules, which require many, many, many things, like WURM compliance of emails and evidencing and things I never knew existed. It's very time consuming to learn at all, and it's time consuming to keep it up and to do it properly. And I have a feeling that many platforms are not doing it properly because it's just too hard. So, I think that really needs to be addressed in one way or another. You know, I don't know what a full-blown broker/dealer compliance book looks like. I'm sure it's worse. But in some ways I feel like FINRA wasn't ready to handle these smaller companies, they've never done anything like it before. The compliance is ... huge. And, you know, we're surveilled every quarter, and they said, well, every word. And that that's their job. So they have to, I'm not saying they shouldn't, but it's all required, and it's a lot. Mark: [00:28:19] Yeah. And I mean, maybe I would say the next significant change maybe should be from FINRA rather than from the S.E.C.. Eve: [00:28:31] Yes, possibly. Mark: [00:28:32] I completely agree with you that FINRA didn't know how to deal with this and they started off with a light touch, you know. The first funding portals that I represented that, they were easy to get approved. And then FINRA just didn't know what to do. And, you know, the easy answer is from a regulatory point of view was always to make it more difficult. And so we've ended up in this kind of crazy situation where funding portals, small, small organizations, are subject to the same regulatory treatment as, you know, as Morgan Stanley. And it it is clearly not a good fit. Eve: [00:29:16] That's right. Although I have to say that they're trying, and in their communications with Small Change, at least, the tone is more about helping us be aware of what we're supposed to do. So, it's not a bad tone, but still, the regulatory burden is there. In a sense, I think FINRA got lumped with this without anyone much thinking about the consequences. Does that make sense? Mark: [00:29:39] Yes. I mean, I'm not attacking FINRA, because, as you say, they're just doing their job. No one told them, you know, you should act differently with the respect that this particular species of FINRA member, as you know, I mean, these days we're submitting policies and procedures to FINRA that are, you know, 75 pages long ... Eve: [00:30:03] Oh, wow. Mark: [00:30:03] ... could be a two person company where, you know. Eve: [00:30:07] Yeah. Mark: [00:30:07] The policies and procedures amount to the two people saying this is how we're going to regulate ourselves. You know, there's no one else to regulate. There's no one to supervise. Eve: [00:30:17] Yeah, no, no. I know. It's a shame. Mark: [00:30:21] It's almost been an absurdity, but there you go. Eve: [00:30:25] So, yeah. Let's root for FINRA making the next change or, something happening that permits for FINRA to make the next change, because I'm not sure they're fully in control of that themselves. I don't really, I don't really know. But, you know, we we pay a lot of money to a company called Smarsh to archive all our emails, all our websites, everything, so that they're all WURM compliant. That's a big burden for a tiny company. Mark: [00:30:52] Well, there you go. Eve: [00:30:52] We also pay a lot for insurance, which is crazy expensive. I have a feeling that many funding portals don't ... Mark: [00:31:00] Just don't do it. Yeah. Eve: [00:31:01] ... pay for insurance, because they can't afford it. I like to sleep at night. Mark: [00:31:05] I guess, what from the FCC, you know, rule 204, which is that burdensome advertising rule that you were alluding to earlier. That does seem a little too harsh. The idea of it, the theory of regulation crowdfunding is that every investor should have access to exactly the same information at all time. Eve: [00:31:29] That's right. Yep. Mark: [00:31:31] And so that's why they don't let you freely advertise. They want all attention to get focused back to the funding portal. Eve: [00:31:39] Right. Mark: [00:31:40] Which is supposed to be the sole source of the information. And so, yeah, I totally understand that. I'm not going to say there's no reason for the rule. I think maybe this is an example of ideology, sort of, getting the better of practicality. The rule is just impractical. And ... Eve: [00:32:02] Yes. Yeah. Mark: [00:32:04] The ideological purity of it I think is outweighed by the burden that it places on, again, on very, very small companies. Eve: [00:32:13] We've ended this on a bad note. Mark: [00:32:15] Yeah, but well we're sort of searching for ways that maybe in five years from now, maybe the S.E.C. will make the rules even better. Eve: [00:32:26] Yeah. Mark: [00:32:26] But these little rules, you know, again, we're dealing with tiny companies and you know, big companies have the resources to hire lawyers, like me, or even have their own in-house lawyers. But these are tiny companies. So, a lot of these rules, as you know, in your position as a funding portal end up just being tripping points, you know, traps for the unwary. Eve: [00:32:50] Yes. Mark: [00:32:51] Yes, we could do with fewer of them. But on a positive note, again, 2020 is going to be a very, very good year. Eve: [00:33:00] Yes, it is. And final question, what's next for you? Mark: [00:33:06] What's next for me is, you know, I've just started a new law firm, Lex Nova Law. Super exciting, fun, high tech, really cool, hiring more people, training more people to learn about these rules. And part of my job in the crowdfunding industry is to educate people. So, I love being on the forefront of education. And another part of my job, I think, is to make the industry better. And that means more compliant, but also more efficient. The Internet, which is what crowdfunding is all about, it requires efficiency, right? It is ... Eve: [00:33:54] Yes. Mark: [00:33:55] It is a tough taskmaster. You know, Amazon. You try to compete with Amazon in retail, man, you find out how efficient they are. So, lawyers, the key kind of friction points in the syndication world, in the capital formation world. You know, lawyers have to become more efficient. And I work on that all the time and try to work with industry leaders to make the crowdfunding industry better for investors, in part by making it more efficient. So, that's the answer your question Eve: [00:33:55] Great. Well, I've had the privilege of working with you on that. And I agree. Efficiency really matters. Thank you so much for joining me. And I also can't wait to see what the year holds. Mark: [00:34:42] Thank you so much. Eve: [00:34:44] Okay. Mark: [00:34:44] Have a great day out in sunny Pittsburgh. Eve: [00:34:51] That was Mark Roderick. We got into the weeds together about the proposed improvements to regulation crowdfunding. He and I both understand what these changes will mean to capital formation. As Mark said, these proposals are great for the crowdfunding industry and for American capitalism. They're not about Wall Street. They're about small companies and ordinary American investors, where jobs and ideas come from. You can find out more about impact real estate investing and access to the show notes for today's episode at my website, EvePicker.com. While you're there, sign up for my newsletter to find out more about how to make money in real estate while building better cities. Thank you so much for spending your time with me today. And thank you, Mark, for sharing your thoughts with me. We'll talk again soon. But for now, this is Eve Picker signing off to go make some change.
Sarah Smarsh is the daughter of a teenaged mother, who was the daughter of a teenaged mother, who was the daughter of a teenaged mother. Born into a dirt-poor family in rural Kansas, Smarsh realised young that if she could get educated and not pregnant, she would be able to break the pattern of the women in her family. Her memoir, Heartland, is a wonderful tribute to those women, as well as a proud insider’s look into a culture that is often mocked, reviled and misunderstood, and a searing critique of a political and economic system that entrenches inequality in America. This episode is part of a six-part ‘It’s A Long Story’ series featuring alumni from our All About Women festival. All About Women returns to Sydney Opera House on 8 March 2020.
A repost of author Sarah Smarsh live at BookPeople Bookstore in Austin, Tx September 2018 Sarah Smarsh has written about socioeconomic class, politics, and public policy for the Guardian, the New York Times, the Texas Observer, Pacific Standard, the Economic Hardship Reporting Project, and many other publications. A recent Joan Shorenstein Fellow at Harvard University's Kennedy School of Government and a former professor of nonfiction writing, Smarsh is a frequent speaker on economic inequality and media narratives relating this topic. She lives in Kansas. Heartland is her first book.
Writers Tara Westover and Sarah Smarsh grew up in rural parts of the mid-section of America and chronicled the stories of their childhoods in best-selling books. While the books vary in emphasis, structure, and theme, both writers agree that people in the Heartland are easily stereotyped by the national media and politicians. “There’s a real gulf between the story we tell ourselves about a country and those conflict- and ratings-driven conversations in New York City studios, and what happens on-the-ground in local communities,” says Smarsh. They tell James Fallows, author of Our Towns, about what needs to change to eliminate these damaging stereotypes. Smarsh and Westover also describe how they’re using their platforms to address some of the most complex challenges that rural communities face today. Smarsh is the author of Heartland: A Memoir of Working Hard and Being Broke in the Riches Country on Earth. Westover wrote the book, Educated. The views and opinions of the podcast guests are their own and do not necessarily reflect those of the Aspen Institute.
Welcome to this weeks episode of Heavy Metal History. My guests this week are Cory Smarsh and Jacob Toy, guitarists in Deathcore/Death Metal band Signs of the Swarm. Cory and Jacob take me through their roots of heavy metal and the records and bands that got them into the genre, we even have a similar band that got us into the genre, which was Hatebreed. The two tell me about the writing process for this record and how there is no shortage of inspiration or riffs between the two guitarists and how they're always writing. This album really see's the band step more into the Death Metal realm and Cory and Jacob told me how they wanted to really just “Write this album for ourselves” the two are fairly young and the band is only on their 3rd record so the sky is the limit with where these guys can go in the future. The band is about to embark on the “Bloodletting North America” Tour with Disentomb, Visceral Disgorge, Organectomy, Continuum and Mental Cruelty. The tour starts September the 13th and runs through October the 13th. The bands album “Vital Deprivation” comes out October 11th on Unique Leader records.
By Adam Turteltaub adam.turteltaub@corporatecompliance.org In the pre-digital age, workplace communications tended to be verbal and memo based. Then email came along, which changed everything. And, now there is an explosion of new technologies such as Slack and Microsoft Teams being deployed with the goal of increasing collaboration and productivity. Behind the change, explains Robert Cruz, Managing Director at Smarsh is a changing workforce. Younger workers and clients have their own preferences for how they want to communicate, and the emphasis is on speed. The challenge for compliance and ethics professionals, and the businesses that they serve, is that there are not yet clear guardrails, Cruz explains in this podcast, for communication on these platforms. While some may recognize that the need for careful communication still applies, many do not. That creates substantial risk in areas ranging from protecting corporate intellectual property to harassment to privacy laws. Organizations need to spend the time, he argues, examining what the risks are and not just the potential productivity gains. In addition, they need to assess the ability to capture historical data should an incident occur and an investigator or regulator wants to access previous communications. That may be harder than it seems based on how the platform has been deployed and what content it contains: text, videos, and even emoji’s. Listen in to learn more about the opportunity and risks in the emerging space of collaboration platforms.
The 2016 US election brought the white working class to the forefront of the political conversation. Join Sarah Smarsh as she discusses her experience growing up poor and female in America with the ABC's Cassie McCullagh.
While it's easy to become disillusioned to the topic of security in this day and age, we have to stay well informed on the types of attacks that are out there, and what tools and practices we should have in place to combat them. So, on this episode, Josh and Micah talk to a hack victim, a "WordPress hater", and two security experts to get some insight and practical help.EPISODE TRANSCRIPTThis episode is brought to you by Automate!Quickly (or automatically!) update WordPress core, plugins, and themes with full backups and our Safe Update technology. The security and stability of your sites will never be a problem again.Use this link to get Automate, Defender, and the rest of WPMU DEV's products FREE for 30-days.Featured Links: MichaelStarr Hopkins hack story on CNN MoneyFor further learning, check out Micah's blog post expanding on Adam Warner's 7 security best practices.Featured Interviews:MichaelStarr Hopkins, National Press Secretary & Democratic StrategistKyle Campos, VP of Continuous Delivery at Smarsh and co-founder of Commit.toAdam Warner, currently the Field Marketing Manager at GoDaddy. Previously the Open Source Software Community Manager for SiteLockAaron Edwards, CTO at WPMU DEV See acast.com/privacy for privacy and opt-out information.
After almost 2 years of development, on December 6, 2018 WordPress merged Gutenberg (a very polarizing new post and page editor) into its core. On this episode, we speak to a range of users and non-users for their thoughts on the future of WordPress and what a change like this means for so many people.EPISODE TRANSCRIPTThis episode is brought to you by WPMU DEV's Fully Dedicated WordPress Hosting!Every site gets its own dedicated memory, CPU, and storage resources that are completely independent of any other site - including other sites you host with us. Choose from 8 server locations around the world for better performance.Use this link to try our hosting and the rest of WPMU DEV's products FREE for 30-days.Excerpt of Matt Mullenweg at 0:55 & 1:12:“Matt Mullenweg: State Of The Word 2016” WordPress.tv, 7 December 2016,wordpress.tv/2016/12/07/matt-mullenweg-state-of-the-word-2016/.*Clips were cut from full video for the purpose of sharing the highlights.Excerpt of Matt Mullenweg at 1:37:“Interview and QandA With Matt Mullenweg.” WordPress.tv, 3 July 2017,wordpress.tv/2017/07/01/interview-and-qanda-with-matt-mullenweg/.*Clip was cut from full video for the purpose of sharing a highlight.Featured Interviews:Scott Bowler, founder of ClassicPressKyle Campos, VP of Continuous Delivery at Smarsh and co-founder of Commit.toZac Gordon, educator for JavaScript For WordPressChris Van Patten, founder of Tomodomo & WordPress core contributorBen Pines, CMO at ElementorRobbie McCullough, co-founder of Beaver BuilderMatthew Bullis, tech educator at Foundation for Blind ChildrenSecret Landing Page: Beers & Bros See acast.com/privacy for privacy and opt-out information.
Sarah Smarsh's live event at BookPeople Bookstore Austin, Tx Finalist for the National Book Award* Finalist for the Kirkus Prize* Instant New York Times Bestseller* Named a Best Book of the Year by NPR, New York Post, BuzzFeed, Shelf Awareness, Bustle, and Publishers Weekly* An essential read for our times: an eye-opening memoir of working-class poverty in America that will deepen our understanding of the ways in which class shapes our country and “a deeply humane memoir that crackles with clarifying insight”.* Sarah Smarsh was born a fifth generation Kansas wheat farmer on her paternal side, and the product of generations of teen mothers on her maternal side. Through her experiences growing up on a farm thirty miles west of Wichita, we are given a unique and essential look into the lives of poor and working class Americans living in the heartland. During Sarah’s turbulent childhood in Kansas in the 1980s and 1990s, she enjoyed the freedom of a country childhood, but observed the painful challenges of the poverty around her; untreated medical conditions for lack of insurance or consistent care, unsafe job conditions, abusive relationships, and limited resources and information that would provide for the upward mobility that is the American Dream. By telling the story of her life and the lives of the people she loves with clarity and precision but without judgement, Smarsh challenges us to look more closely at the class divide in our country. Beautifully written, in a distinctive voice, Heartland combines personal narrative with powerful analysis and cultural commentary, challenging the myths about people thought to be less because they earn less. “Heartland is one of a growing number of important works—including Matthew Desmond’s Evicted and Amy Goldstein’s Janesville—that together merit their own section in nonfiction aisles across the country: America’s postindustrial decline...Smarsh shows how the false promise of the ‘American dream’ was used to subjugate the poor. It’s a powerful mantra” *(The New York Times Book Review).
This past week, the Carver College of Medicine hosted its 12th annual Examined Life Conference. Our featured presenter, journalist and memoirist Sarah Smarsh, grew up in a family of farmers and teen mothers in Kansas. Her family, laborers trapped in a cycle of poverty, made the kinds of choices that poor people must make in rural America--whether to eat or seek medical attention, for instance. Decades of inattention--and scorn--from politicians and the media have widened this class divide, and have sent the inexorable message that their voices don't matter. Ms. Smarsh's recent book, Heartland: A Memoir of working Hard and Being Broke in the Richest Country on Earth, tells the tales of her family's struggles with poverty, addiction, workplace injuries, and family violence that many economic and political elites don't have the background or will to truly understand. Though Ms. Smarsh has managed to escape that cycle, she has retained her citizenship in--and love for--that largely unexplored country, and offers a deep look at what it's like to be poor in the wealthiest and most powerful society on the planet. Our executive producer Jason T. Lewis, Rob Humble, Gabe Conley, Teneme Konne, and Christopher Portero Paff talk with Ms. Smarsh about what the working poor are facing, how our willful lack of understanding shapes our perceptions of their struggles, and why it's crucial that medicine encourages and welcomes them as providers.
This past week, the Carver College of Medicine hosted its 12th annual Examined Life Conference. Our featured presenter, journalist and memoirist Sarah Smarsh, grew up in a family of farmers and teen mothers in Kansas. Her family, laborers trapped in a cycle of poverty, made the kinds of choices that poor people must make in rural America--whether to eat or seek medical attention, for instance. Decades of inattention--and scorn--from politicians and the media have widened this class divide, and have sent the inexorable message that their voices don't matter. Ms. Smarsh's recent book, Heartland: A Memoir of working Hard and Being Broke in the Richest Country on Earth, tells the tales of her family's struggles with poverty, addiction, workplace injuries, and family violence that many economic and political elites don't have the background or will to truly understand. Though Ms. Smarsh has managed to escape that cycle, she has retained her citizenship in--and love for--that largely unexplored country, and offers a deep look at what it's like to be poor in the wealthiest and most powerful society on the planet. Our executive producer Jason T. Lewis, Rob Humble, Gabe Conley, Teneme Konne, and Christopher Portero Paff talk with Ms. Smarsh about what the working poor are facing, how our willful lack of understanding shapes our perceptions of their struggles, and why it's crucial that medicine encourages and welcomes them as providers.
Successful strategic partnerships are mutually beneficial to the participating parties or entities. But what does it mean to be beneficial when you are a small startup looking to larger organizations for support and resources? In this report from On The Road, host Laurence Colletti sits down with Michael Frankel, Carlos Gamez, Bill O’Boyle, David Coffee, and Dean Sonderegger from the Strategic Partnerships panel at the Evolve Law Summit in New York City to discuss ideal partnerships, how to approach large organizations, and four laws of attraction when it comes to courting a strategic partner. Michael Frankel serves as managing director and head of the Deloitte New-venture Accelerator. He is a senior corporate development, strategy, and operating executive and has led and closed more than 100 transactions, including acquisitions, divestitures, and alliances. He is a three time book author in mergers and acquisitions and has written several articles for the same. Carlos Gamez is the senior director of innovation for Thomson Reuters’ Legal Business where he partners with individuals to define the innovation strategy and to execute innovation priorities through strategic projects with the potential to drive organic growth. Bill O’Boyle founded North State Consulting and has an extensive background developing business models and negotiating at the executive level with global companies such as Sony , Fujitsu, Canon, Citrix, Worldox, Smarsh, Applied Systems, Lexis Nexis, Cicayda, Jostle, and mxHero. He was also a three time invitee of the AICPA’s Executive Roundtable. David Coffey was named SVP, chief digital officer of LegalShield in November, 2016. Prior to that, he was president of The Coffey Group where he served several clients including NBC Universal’s Biggest Loser, Meredith’s Hyper Factory/New Media Strategies, Engauge, Mr. Youth, and StrikeForce Communications. His past client list includes Allstate, Travelers Direct, Mercedes, Harrah’s, Career Education, CSI Direct, Chrysler, Charles Schwab, Edward-Jones, Janus Funds, Jockey, Bissell, HBO, Discovery Communications, Citi Bank, Virgin Charter, U.S. Post Office, Department of Homeland Security, and Mitsubishi Motors. Dean Sonderegger leads the Legal Markets Group of Wolters Kluwer Legal and Regulatory US where he is responsible for accelerating the vision and strategy for the Legal Markets and Innovation teams. He has more than 25 years of experience working in the tax and legal software and services industries.
Uzzie and Smarsh, Newcastle and Ipswich, Eddie and the Raiders. It's all about everything week. Get amongst it.
The boys sit down with Sarah Smarsh at her home in Austin, Texas. Sarah Smarsh is a journalist who writes about socioeconomic class. The daughter of a carpenter and a teenage mom, Sarah was raised as a fifth-generation wheat farmer in rural Kansas. She often writes against stereotypes about poverty and the white working class. Sarah has reported on politics and public policy for The Guardian, NewYorker.com, Harper's, and many other places. She's currently finishing a book on her upbringing among the American working poor, which will be published by Scribner Books. She lives in Kansas and Texas. Super fun hang! As always, check out wellREDcomedy.com for tour dates, and to order our book - The Liberal Redneck Manifesto: Draggin Dixie Outta The Dark. See y'all next week!
On today’s broadcast, Financial Engines acquires the Mutual Fund Store, updates from the T3 Enterprise conference, ShareFile integrates with Smarsh, and more. So get ready, FPPad Bits and Bytes begins now. (Watch FPPad Bits and Bytes on YouTube) Here are the links to this week’s top stories: Financial Engines to Acquire The Mutual Fund Store […]
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