Podcasts about verify

Break down the latest political drama surrounding Donald Trump's executive order on election integrity and federal voter rolls!

What if you didn't need a huge audience to grow your business — just one good partner who already has one? In today's episode, we're breaking down a repeatable system for finding, pitching, and scaling partnerships, even if you're starting with zero connections and zero ad budget. Kyle Kane is a former music executive, an Inc. 500 honoree, and the founder behind onSpark.com(opens in new tab), a platform that's driven over $2 billion in partnership revenue for the brands he's worked with. Early in his career, he built relationships the old-school way, going to events and building Rolodexes. But he realized the real unlock wasn't about meeting more people. It was about turning existing relationships into a measurable, repeatable system. That realization led him to build a framework he calls DVLA: Discover, Verify, Launch, and Amplify. It's designed so a side hustler with no network can access the same partnership leverage as a Fortune 500 business development team. Tune in to Episode 756 of the Side Hustle Show to learn: how to find and reach out to the right partners using a simple 4-bullet message how to build trust fast with a "minimum viable partnership" before ever signing a contract how to scale a single successful test into a repeatable partnership machine (Get the free Partnership Playbook and learn how to borrow an audience, build real relationships, and turn them into revenue at onSpark.com/hustle). Full Show Notes: Your 15-Minute-a-Day Marketing Plan New to the Show? Get your personalized money-making playlist ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠! Sponsors: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Quo (formerly OpenPhone)⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ — Get 20% off of your first 6 months! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Shopify⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ — Sign up for a $1 per month trial! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Gusto⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ — Get 3 months free of the leading payroll, benefits, and HR provider for modern small businesses! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Indeed⁠⁠⁠⁠ – Start hiring NOW with a $75 sponsored job credit to upgrade your job post! ⁠⁠⁠⁠Monarch⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ — Get an extended 30-day free trial! About The Side Hustle Show This is the entrepreneurship podcast you can actually apply! The award-winning small business show covers the best side hustles and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠side hustle ideas⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. We share how to start a business and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠make money online⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and offline, including online business, side gigs, freelancing, marketing, sales funnels, investing, and much more. Join 100,000+ listeners and get legit business ideas and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠passive income⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ strategies straight to your earbuds. No BS, just actionable tips on how to start and grow your side hustle. Hosted by Nick Loper of ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Side Hustle Nation⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

In this segment, Lee and Tara break down candidate statements, political ad campaigns, and party primary strategies surrounding the South Carolina Senate race.

Election day is here, and South Carolina faces a high-stakes decision that will shape the state for a generation!

In this segment, Lee and Tara break down newly released public health emails, discuss federal health policy communications, and evaluate the ongoing political dynamics surrounding the South Carolina Senate race.

In today's full compilation of broadcast segments, Lee and Tara break down the latest news surrounding the high-stakes South Carolina Senate primary election runoff!

In this comprehensive roundup of today's broadcasts, the hosts break down high-stakes primary dynamics, political commentary, and local reporting across South Carolina!

In this high-energy segment, the hosts dive into South Carolina primary runoff dynamics, local political debates, and pressing news updates!

In this high-stakes segment, the hosts examine the tight political balance in the U.S. Senate and how single-vote margins shape major policy decisions. The discussion dives into the heated South Carolina Senate primary campaign, analyzing local ad spending, candidate debates, and campaign messaging across the state. --- ### Voting & Election Resources For authoritative election details, official voting procedures, and primary candidate information in South Carolina, refer directly to official state resources: * Verify voter registration status or access county-specific resources via the [South Carolina Election Commission](https://scvotes.gov/). * Access official voter tools and check personal record details on [My SC Votes Portal](https://vrems.scvotes.sc.gov/). * Review registration eligibility or submit updates online using the [SC Online Voter Registration System](https://vrems.scvotes.sc.gov/ovr/start). --- Senate Primary, Darlene Graham, Ralph Norman, South Carolina Primary, Political Campaign Ads, SC Election Commission, Early Voting SC

In this fiery clip, the host takes on candidate Darlene Graham over alleged million-dollar Democratic PAC ad spending in South Carolina!

**Title:**

Before he ever sat across a table from UN delegates, Matthew Gianni spent 10 years working as a commercial fisherman up and down both US coasts. Gillnetting for Spanish and king mackerel in Florida. Bottom trawling off central California, New England, and Florida for sole, redfish, hake, sablefish, shrimp, and other groundfish. Hook-and-lining for salmon and albacore tuna in Oregon and California. Running pots for Dungeness crab and dredging for deep sea scallops on Georges Bank. In today's episode, I trace how that decade on deck, watching coral and glass sponges get shoveled back overboard from trawls that dragged the seafloor a thousand meters down, planted the seed for a career that would eventually take him to the UN General Assembly. Two fights as a working fisherman pushed Matthew toward advocacy. First, he helped organize fellow fishermen to halt a $110 million plan to dump San Francisco Bay dredge spoils directly onto prime fishing grounds off the Southern California coast, a fight that eventually moved the disposal site off the continental shelf. Second, he represented the fishing industry in efforts to block new offshore oil and gas leases along the central California coast. Both wins showed him what organized advocacy could accomplish, and they set him on a path toward Greenpeace International, where he helped launch the international fisheries campaign, worked on the UN's 1991-1992 moratorium on high seas driftnet fishing [VERIFY dates], and eventually ran Greenpeace's global Ocean Program from Amsterdam. In the early 2000s, Matthew co-founded the Deep Sea Conservation Coalition, an international coalition of organizations working to protect deep sea biodiversity from harmful activities, where he now serves as political and policy advisor. What started as a fight against deep sea bottom trawling on seamounts has, since 2014, expanded to include deep sea mining, an industry Matthew argues is moving to tear into the seabed before scientists even have a baseline understanding of what lives there. This is the first episode in a week-long series on the deep sea, building toward my full interview with Matthew, airing Friday. Support Independent Podcasts: https://www.speakupforblue.com/patreon Need help with your ocean non-profit, company, or project? Get the help you need with Pisces Oceans Inc.: https://www.piscesoceans.ca Connect with Speak Up For Blue Website: https://bit.ly/3fOF3Wf Instagram: https://bit.ly/3rIaJSG TikTok: https://www.tiktok.com/@speakupforblue Twitter: https://bit.ly/3rHZxpc YouTube: www.speakupforblue.com/youtube  

Dr. Martin and Amy are into some really interesting research! Dr. Martin brought in a study about Evidence-Based and Case-Based Comparison of Modern Face Lift Techniques. Amy brought in a study about Cholesterol-lowering effects of oats induced by microbially produced phenolic metabolites in metabolic syndrome: a randomized controlled trial. School is in session! Keep leaving comments and don't forget you can text us and leave voicemails at 303-630-9038. Body pillow system Beauty and the Surgeon's Amazon Storefront Watch this episode on YouTube: https://youtu.be/to1Ii2Xg3_g Comments, questions, clarifications? Leave a voicemail (303) 630-9038 or email Amy@JasonMartinMD.com. Follow Beauty and the Surgeon: YouTube: Jason Martin MD > Beauty and the Surgeon Podcast Playlist Instagram: @beautyandthesurgeonpodcast TikTok: @jasonmartinmd Facebook: facebook.com/beautyandthesurgeonpodcast Website: beautyandthesurgeonpodcast.com Verify your plastic surgeon is board-certified at plasticsurgery.org

Summary A $30 campsite with a canyon view felt like hitting the jackpot… until Jeff flipped on the lights and watched the floor move. In part five of the DadAwesome Multipliers series, Jeff reads Chapter 19 of the book, "Ant Attack," and unpacks what a million ants taught him about spotting threats, sealing entry points, and cleaning up what already got inside. Then Zach Neese joins with a sobering four minutes on the doorways we open without realizing it, and why nobody else in this world is going to guard your house but you. Heads up: this episode is not designed for little ears. The conversation goes into spiritual warfare, darkness, and the ways private choices affect the people we love most. Top 5 Takeaways The first few ants are scouts, not the problem. Train yourself to look past what's obvious and ask harder questions about attitudes, friend groups, and entertainment choices before they become a full scale invasion. Real freedom propels you to lead. Freedom is not permission to do whatever you want. Healing, forgiveness, and wholeness are what unlock your ability to serve and protect the people God gave you. Threats come through old bridges and new ones. The septic hose was modern convenience turned against them. The tree branches were nature's ancient highway. The tactics evolve, but the goal stays the same. Sealing the doors is not enough. You have to deal with what already got inside, and then intentionally replace it with something life giving. Removing the threat is not the same as restoration. Nobody else in this world is going to guard your house but you. Not schools, not church, not extended family. The assignment is yours, and it takes courage plus God's strength. 5 Quotes "Real freedom propels us to lead. That healing, forgiveness, and wholeness unlock our ability to serve and love the way God designed." (Jeff Zaugg) "A dad fighting his own addiction can't guard his family's doorways. A father still carrying his childhood anger can't see the real threats to his kids." (Jeff Zaugg) "Every open door is a spiritual gateway." (Zach Neese) "We give him permission all the time to rearrange the furniture, so to speak, in our hearts and our house, so that he is the only spirit that feels welcome here." (Zach Neese) "I wasn't just being entertained by a movie. I was being entertained by the spirit behind the movie. And that spirit wasn't just in my closet. That was roving through my house." (Zach Neese)   Guest Bio Zach Neese is a pastor, worship leader, and author who has spent years teaching on worship, spiritual authority, and the doorways we open in our homes. His conversation with Jeff first aired on DadAwesome episode 159, and the clip featured in this episode digs into how entertainment choices, conflict patterns, and private habits can invite influences we never intended to host. (Verify current role and book title before publishing.) Action Steps Reflection Walk your doorways. Grab paper or a note on your phone and list them out: phones, tablets, gaming systems, streaming devices, specific apps, YouTube, Instagram. Look for the white powder. What warning signs have you driven past without asking questions? Notice the small stuff. What are the few ants on the countertop right now? An attitude, a mindset, an entertainment choice that could become a full scale assault? Check your own closet. What is hidden that you have convinced yourself is not really causing harm? Multiplication Who are the men who know what is in your closet? How do you close that gap this month? Share episode 447 with a few dads who are fighting for freedom alongside you. Read Nehemiah 4:13 and 14 with your family and unpack what it means to fight as a family. Listen to the full Zach Neese conversation in episode 159. Apply for the September DadAwesome Accelerator cohort. Activation Cut down one bridge this week. Remove a subscription, remove a device, create a new boundary. Pray out loud. Use the John Eldredge Daily Prayer and the head of household prayer. Out loud matters, because the enemy cannot hear your thoughts. Replace, do not just remove. Pick a book, a rhythm, or a practice to fill the space. Go deeper with the Chapter 19 DadAwesome Lab. LINKS Spartan Team DadAwesome, Dallas, Texas, October 17 https://givebutter.com/DallasSpartan Leave a VOICEMAIL: https://www.speakpipe.com/DadAwesome Join Team Awesomeness (monthly support team) at any level from $7/month to $1000/month... We have 41 families committed to fueling the ministry DadAwesome as we head toward celebrating 9 years of AWESOMENESS this coming winter: https://www.dadawesome.org/give Join the DadAwesome Prayer Team: Text "pray" to (651) 370-8618 Apply to join the next DadAwesome Accelerator Cohort Subscribe to DadAwesome Messages: Text the word "Dad" to (651) 370-8618 7-Day Video Series: dadawesome.org/book Free Chapter + Intro Video Series: dadawesome.org/book Subscribe to DadAwesome Messages: Text "Dad" to (651) 370-8618 DadAwesome Labs, Chapter 19 Episode 159 with Zach Neese https://www.dadawesome.org/blog/216 Entertaining Demons Unaware: Closing the Doors of Demonic Influence in your Life by Zach Neese John Eldredge Daily Prayer https://wildatheart.org/prayer/daily-prayer-john/ Galatians 5:13 Nehemiah 4:13 and 14

Wil Santiago, Wil Santiago, chief security and trust officer at Blackpoint Cyber Wil Santiago, chief security and trust officer at Blackpoint Cyber, joins In The Channel to discuss the findings of the company’s 2026 Annual Threat Report – research grounded in thousands of real incidents investigated by Blackpoint’s security operations centre, not surveys. The headline finding: attackers are no longer trying to break in. They’re logging in. Using stolen credentials and commodity remote management tools, threat actors are walking through the front door, hiding in plain sight, and operating with system-level privileges – sometimes for days before anyone notices. Santiago walks through the key trends the SOC identified across 2025: ClickFix and fake CAPTCHA campaigns accounted for more than half of all identifiable incidents, with attackers abusing trusted infrastructure including Azure Blob storage and Cloudflare to deliver payloads. RMM abuse showed up in roughly 30 per cent of triaged incidents – threat actors installing their own version of the same tools MSPs use legitimately, then living off the land with god-mode access. And Adversary-in-the-Middle attacks are now routinely hijacking authenticated sessions even when MFA is in place, by abusing OAuth token handling. The conversation also covers Blackpoint’s detection philosophy: behavioral context over malware signatures. Understanding what normal looks like in an environment – who uses what tool, at what time, from where – is what allows the SOC to catch attackers before they act. It’s a philosophy that is producing results: Blackpoint disrupted 56 per cent of incidents before a payload was ever deployed. Santiago’s closing recommendation for MSPs is straightforward: start with an RMM audit. Know every remote management tool deployed across every endpoint and server you manage. You cannot protect what you don’t know exists. The 2026 Annual Threat Report is available for download on the Blackpoint Cyber website. Read Full Transcript Robert Dutt: Hello and welcome to In The Channel from ChannelBuzz.ca, bringing news and information to the Canadian IT channel community for the last 16 years. I’m Robert Dutt, editor of ChannelBuzz.ca and your host for the show. Wil Santiago is Chief Security and Trust Officer at Blackpoint Cyber, an MDR provider whose SOC monitors and responds to threats in real time across a large base of MSPs and their clients. And unlike a lot of threat research that’s survey-based or derived from external reporting, what Blackpoint publishes comes from live incident data, thousands of actual threat responses they’ve worked through in the SOC. Their 2026 annual threat report has a thesis that cuts right through it. Attackers are no longer trying to break in, they’re logging in, using stolen credentials and legitimate IT tools, the same RMMs, the same cloud platforms that MSPs rely on every day, to walk through the front door, hide in plain sight, and work their way towards payday. It’s a theme we’ve been tracking at ChannelBuzz.ca. If you caught our conversation with Tony Anscombe from ESET, that one dug into the mechanics of how MSP tools are being weaponized against the very clients they’re supposed to protect. This conversation is the data layer behind that story, and the detection philosophy that Wil and the Blackpoint team have built to counter it. Their SOC is disrupting 56% of incidents before a payload even deploys. We talk about how. Let’s get right into it. My chat with Wil Santiago. Wil, thanks for taking the time, I appreciate it. Wil Santiago: Thank you, Robert. Robert Dutt: For people who know Blackpoint primarily as an MDR provider, but maybe haven’t dug into the research side, can you give us a quick sense of what your SOC is actually seeing day to day? When you say this report is based on thousands of real incidents, what does that mean in practical terms, in terms of how you gathered this data? Wil Santiago: That’s a great question, Robert. It really starts at the core of what we focus on at Blackpoint Cyber. In 2025, we focused a lot of our detection efforts in the cloud endpoints, but what we realized is that at the core, at that identity layer, that’s the most important thing. But what we’re protecting at Blackpoint is the identity. What we observed in 2025 is this interesting shift where, yes, there’s vulnerabilities, there will continue to be vulnerabilities. However, threat actors don’t necessarily need to weaponize those vulnerabilities to gain access into an environment. They’re not really targeting customers or companies with any specific new zero-day technology or exploits that are novel. They’re just logging in using stolen passwords. We’re still at that pivotal point, but we’re still talking about the same things we’ve been talking about, password reuse, making sure you’re protecting yourself from phishing emails, so on and so forth. But the reality is that threat actors are getting in. They’re stealing credentials and they’re using legitimate tools to just log in, walking through the front door. Robert Dutt: Yeah, the headline from the report was very catchy with the attackers are no longer trying to break in. They’re just logging in, as you say. And that framing echoes what we’ve seen in other reports elsewhere. People are calling 2025 the year of the abuse of trust in terms of security trends, but your numbers are operational and not survey-based. I’m curious what trusted compromise looks like from where you sit. Is there really a shift away from what you were seeing a couple of years ago or three years ago, or has this always been the playbook and we’re only now measuring it properly? Wil Santiago: Yeah, so if I compare back to, let’s say, 2022, I think we at Blackpoint would still see a trend, the threat actors gaining access into an environment, usually using some type of exploit at that time. You can point to a number of Microsoft Exchange exploits that happened during that time. The Hafnium group was doing a lot of Exchange exploits. The reality is there came a certain time where we were detecting Cobalt Strike, a malware commodity tool, every single day in Blackpoint Cyber’s SOC. And then eventually it became once a week, and then it became once a month. So then we started to think, well, what’s happening with the shift of tactics with the threat actors? And what we found is instead of installing Cobalt Strike, they started to install legitimate IT tools. And that’s the trust component. When they’re installing tools that you use internally, they now can abuse those tools the same way that you use those legitimately. And so we have these threat actors that not only are abusing legitimate tools, but like I said, they’re abusing legitimate identities. So when you have what I call the keys to the kingdom, the passwords, I am you. I am now Robert, for all intents and purposes for this sort of webinar. I think the interesting part that we’ve seen at Blackpoint is that threat actors have really, really focused on leave-behinds. And those leave-behinds are commodity remote management tools. Why do they do that? Because EDRs don’t know how to detect them as malicious, right? These are legitimate IT tools that are being used to service MSPs and their customers. And a threat actor just installs their version of the same exact tool that you’re using legitimately. Right? And so the trust component is you go to review your assets and you see ScreenConnect installed in your environments because you use ScreenConnect, right? But then when you start taking a closer look, you start to realize, wait a second, there’s four different ScreenConnect IDs on this one machine. Now we have a more of a problem, right? And so the attack is a little bit of an invisible signature detection because it’s an authorized tool, right? And so we really have to get to this layer of identifying threat actor activity with behavior context. If you’re an AnyDesk shop, then why do you have TeamViewer installed on your file server that’s publicly facing, right? Let’s start to ask those questions and dig into that a little bit. Robert Dutt: Your SOC found that fake CAPTCHA and ClickFix campaigns accounted for, I think it was 50-odd percent of identifiable incidents. That’s a majority of attacks being driven by a technique that essentially requires the victim to step on the link to execute it themselves. Why is that scaling so fast right now? And especially for an MSP who tends to think, you know, my technicians are too smart to do that. What’s kind of the honest answer for what they need to be looking for and protecting against? Wil Santiago: Yeah. And, you know, ClickFix is such an easy attack when you really get into the root of what it does. But it starts with social engineering. You’re enticing someone, again, just like with phishing, to visit something that you’re going to tell them to do an action. And most of the time, they’re going to do that action. Now, why this is so effective is we’re seeing techniques that really enable the threat actor to deliver the payload. And how do they do that? Search engine optimization, right? These SEO links at the top, when you go look for an OBS installer, because you need your camera to look well, or you get a Google sponsor result. Threat actors are just buying those sponsored results and delivering their payloads on there. You click on it thinking you’re going to download OBS, and then it tells you, hey, wait a second, you have to make sure that you are human. Verify that we’re used to verifying we’re humans to download something. So we go and we click it. But then it says, hey, open up your Windows Run command and maybe run this command on us, on your computer for us. And what happens? Threat actors go and they put the commands on a website. They have this watering hole spread out all throughout infrastructure that’s globally distributed. Google, Microsoft, all these sort of cloud infrastructure hosting providers that exist. Threat actors use those. So when you’re looking at your firewall logs and you’re seeing your internal team going to Microsoft.com, hey, it’s Microsoft, right? But the reality is, it’s likely an Azure Blob site that’s just being hosted on Microsoft, that is a threat actor that’s actually hosting it. And so they’re abusing that trust function to say, hey, you need this OBS installer. You Googled it. I didn’t tell you to go Google that. You were the one that did that. And then they found my link, which I posted a malicious payload there. And so again, that abuse factor is all the things we’ve taught our employees, our customers, our MSPs to do, right? Go to Google, make sure you identify the link. Make sure you look for Microsoft. Make sure you see the end of a URL or domain. Validate that. Well, the adversary goes, okay, they want to play that game. I’m just going to host this on Cloudflare. And now we’re back to this gate where now someone clicks on something. Well, what’s this Cloudflare? That’s a legitimate service. I know that to be true, right? It’s very true. The reality is the infrastructure is very, very easy to set up. And it doesn’t require a lot of action. It just requires someone to take a command and put it on their machine. And all the background work happens in the background, right? And so beyond that, we used to see a lot of threat actors use this sort of technique to download malware onto machines. But again, going back to what I mentioned about RMMs, now they’re just downloading an RMM. And that just looks like a legitimate process to an EDR. Robert Dutt: Right. So for an MSP, especially when training or making sure their technicians are aware, is it just as simple as making sure they’re aware of this threat landscape and this wrinkle in it? Or is there something more that’s sort of the advice there on how to protect yourself as best you can? Wil Santiago: That’s a great question. And really, you know, I would say any MSP watching this show, starting today or tomorrow, the first thing that I always tell people, audit your RMM inventory. Asset inventory is the number one thing that customers should be doing, right? You cannot protect what you don’t know exists. And so every single remote management tool that’s deployed across every endpoint you manage, every server you manage, you need to audit those, right? Like you’re giving direct access to a system. And most of the time, those RMMs run in the system context, which means they have the permissions and privileges of any admin, right? And now you have this adversary that has a foothold. They can deploy tools using admin privileges and permissions. So you have to audit your RMM inventory, right? Making sure that you understand what’s happening across those production servers. And forcing MFA, that’s a big one. We see a lot of incidents that source from RMM abuse because they log into the MSP’s RMM console, the cloud-based consoles. Some of those don’t have MFA involved. Again, keys to the kingdom, MFA everywhere, that needs to be a reality. Then we need to start moving into what I call more resilient engineering, right? Conditional access policies, preventing individuals from logging in from untrusted sources, locations, right? There’s ways that you can lock down access to an RMM and assume a threat actor is able to steal credentials because they maybe installed an info stealer on a user’s machine, stole their browser credentials. They reuse the same credentials for Gmail that they do for their corporate environment. Well, now a threat actor just perusing finds their credentials and says, “Oh, I’ve got IT Glue permissions now. I’m going to go log into this and restore all these configs in IT Glue or whatever tools out there.” Well, now the threat actor has access to that. And so that’s how they’re pivoting across these environments. They’re going from cloud to on-prem, on-prem to cloud. One of the things that we caught at Blackpoint recently, and this was a really cool response, but the threat actor compromised the cloud environment first. They then took that cloud access, deployed an RMM using Intune to the devices, and then they used that on-prem access to go to those machines and do their own work directly from that console. I called it overkill. They didn’t have to do that because they had the cloud environment. But because they did that, that sort of prompted this investigation for this MSP to approach us and say, “Hey, we believe something is happening. We investigated and quickly saw the Intune process was the responsible process for deploying some of this malware. So we told them, “Hey, deploy our cloud response suite. We want to understand what’s happening in your cloud.” And sure enough, seven global admins were compromised. So again, limiting scope is important here, right? Least privilege. Why do we have so many people with admin privileges and permissions? I think there’s 192 admin roles or something like that in Microsoft, but we default to just, you get global admin, you get all the permissions. And so now an adversary compromises a Microsoft 365 tenant. Well, now they have the permissions of a global admin. And unfortunately for us, when we shifted from the on-prem strategy to the cloud strategy, we just started pushing everything in the cloud and we say, “Oh, it’s fine. It’s in SharePoint.” We didn’t realize though that that’s only being protected by a password and an MFA token, both of which can be stolen, right? So the protection is not really there. That’s why we have to move to that resilient engineering. And so it’s moving from that reactive alerting to that posture alerting, right? Why is someone trying to log in from France? We have nobody in France. Robert Dutt: So your report showed almost a third of triaged incidents involved RMM abuse. And that’s something, that kind of trend line is something that we’ve seen in other reports. You know, one of your peers is talking about a 200 plus percent spike in abuse of RMM in attacks. I’m curious, especially since you’re sitting in the SOC there, what does RMM based intrusion actually look like in the SOC here? You know, I’m guessing curious, is there a moment where it’s genuinely hard to tell, you know, is this actually a tech doing a routine task or is this an attacker? And if so, what kind of breaks the tie and causes you to go, “No, no, that’s not right.” Wil Santiago: Yeah. Well, there’s kind of two ways to look at it, right? We have threat actors that are compromising MSP RMM tools. These are tools that are owned, managed by the MSP. They’re usually protected with some cloud login, whether they self-host it or they have the vendor host it for them. Threat actors can log into those systems with a password and a username, right? So we see a lot of brute forcing of those systems, especially if they’re self-hosted systems, they usually don’t have the protections of the vendors. They don’t put a WAF in front of them. And so they’ll try to brute force them and just log in, right? Those are few and far between, to be quite honest. We don’t see those as often, but what we do see often is, again, they gain access into an environment, usually by compromising a VPN. Now they’re on the network. Now they can move throughout that network as they’re on the VPN, and they’ll usually find a foothold. And if they have a credential like a local admin, they’ll take that one foothold and then they’ll distribute their RMM across that entire fleet of the network with one command from that foothold. So for us, when we’re looking at RMM deployments, MSPs deploy RMMs in a certain manner and format. They’re not deploying an RMM at two o’clock in the morning on a Saturday when they’re a US-based company. And oh, by the way, they just logged in from a Chinese-based IP, right? So again, there’s indicators that are very clear cut of like, okay, this deployment of RMM tools absolutely malicious. Most of those cases come to the case of, you know, we have application control within Blackpoint that allows us to alert when someone is installing a new application that’s unauthorized. And so what we tell our MSPs to do is, hey, set up your policies that if you’re a Ninja RMM shop, you cannot have any other installations of any other RMM. ScreenConnect is not going to be involved. And so that allows us and affords us the ability to do is, when we get that alert that says someone’s attempting to install a ScreenConnect, we can go back and sort of recreate the path of how do they get here. And what that allows us to really get into is, again, that response, right? And that response is preventing the installation of the RMM, eradicating the threat actor by isolating the machine, making sure you remove their footholds, getting those SSL VPNs off of the public facing internet, and having that exposure management reduced, right? And so when we look at RMM abuse in practice, once they get that RMM installed, again, they’re living off the land with system privileges. System privileges is something that most people tend to understand, but it’s just keys to the kingdom. You are God mode at that point. You can do whatever you feel to deploy and ultimately spread your access with that level of access, right? And so they’ll use it for backdoors. And oftentimes, they may compromise the environment and say, “You know what? I’m busy.” We’ve actually seen this over the holidays where they go take their breaks. Just like everyone else does. It’s Christmas. I’ve done a lot of hacking. So they leave their leave-behind tools and they come back. That’s their access factor. Again, it’s one of those things where they’re hiding in plain sight. Robert Dutt: You touched on MFA a little while ago and the report flagged the use of adversary-in-the-middle attacks. AiTM attacks that let threat actors hijack authenticated sessions, even when the MFA is there. So I guess what’s the message to MSPs who are thinking, “All right, if we just get MFA everywhere, we’re good, we’re covered.” Wil Santiago: Token protection, right? MFA is great. You have to have it. But understand that there’s flaws in the way that MFA communicates to servers. And so the whole way that an adversary-in-the-middle attack works is by abusing OAuth. And OAuth is a standard protocol of just making sure that we understand how systems should communicate for authentication. And what’s really nice about that is we can take that offensive research and then make defensive practices towards that. And so token protection is really huge there. There are a lot of built-in protections in Microsoft that allow you to invalidate session tokens after a certain period of time. Every hour you could refresh these tokens. You now, again, when you get to this resilient engineering, you start to push the adversary to be a little bit more aggressive. And that’s your detection mechanism. When you allow an adversary to move unfettered throughout a network, they’re going to move unfettered throughout a network. But the moment that you give them that sort of, “Eh, stop here. Let me see your ID.” Then they start to get a little uneasy. They’re like, “Wait a second. I don’t know how to move anymore.” And so specifically in MFA, when we talk about session hijacking and session tokens, the token protection aspect is really important because that’s a conditional access policy that you can implement. And most people do not implement those conditional access policies. Now, there’s a slew of them that work in conjunction with each other. But the idea here is your tokens will likely be compromised at some point. If you are duped into clicking one of these phishing links, it’s very easy to steal a session token. So we have to move past that. Now that we know that’s going to happen, how do we prevent the adversary from actually using those session tokens successfully? And that’s where invalidating the sessions comes in, having the session protection, conditional access policies, protected devices, things of that sort. That prevents them from being able to use those session tokens. Robert Dutt: A stat that I keep looking at in the report was that you guys managed to disrupt in the SOC 55, 56 percent of incidents before a payload was deployed. It’s a real number. That’s pretty significant. I guess what is disrupted before the payload hits mean operationally? And what does it tell us about where the detection opportunity actually lives? Because it sounds like the window isn’t did malware execute? It’s something a lot earlier. Wil Santiago: That’s exactly right. When we look at the cyber kill chain, we want to start pushing our adversaries as far left of boom as possible. Right. And so when you hear about this whole right of boom concept, basically, you’ve met your match. And now boom, you’ve now been impacted. Right. And so there’s a lot of indicators of compromise that we can start to hone in on. That will give us an understanding of whether this is legitimate or illegitimate. Right before an adversary even types the command. And again, that’s the context. And the context is what the SOC is really understanding of a customer. Where do they operate? What are their hours of operation? Where are they globally distributed? What’s the infrastructure they use? What are the tools they use? How did they use those tools? Did they deploy tools every Thursday at 2 p.m.? So there’s this constant checklist that they’re doing every single day to understand this. And so when we talk about living off the land, threat actors are trying to execute commands. Right. They’re just trying to sit there. We’re typing on a keyboard command line. Hey, I’m not going to introduce any new factors to my intrusion. I’m just going to live off the land. Ultimately, they want to deploy a payload at the end of all of that. But if they deploy a payload too early in their kill chain, they risk getting caught. Right. And so what they’ll do is they’ll stage everything. They’ll compromise an endpoint. They’ll add a persistent backdoor user. They’ll deploy some small scripts to enumerate the network. Just to get an understanding of what’s happening. But they’ll usually stage those in like a C:UsersMusic folder. And that’s their staging environment. So you can catch them. And we’ve caught at Blackpoint a number of threat actors where their toolkits are still on the machine because we caught them so early left of boom that legitimately all they did was log into a machine, try to mount a share, but it failed. And then that failed share mount is like, wait a second. They have never tried to mount a share on this file server ever. And then you call the MSP and they’re like, yeah, Monday through Friday, our hours are from eight to three and it’s seven p.m. at Thursday. Right. Well, now the context of the intrusion starts to become a little bit more apparent. And so we have to do this very quickly. The reality is for us, behavioral context, it matters more than ever. That is the true bread and butter for stopping threat adversaries is understanding the behaviors in the context of which they employ to compromise the network or compromise an endpoint. And so we focus a lot of our threat intelligence and our adversarial intrusion analysis based off of what hack or tradecraft is. We always say this internally, you cannot protect what you don’t know how to hack. So we spend a lot of our time recreating these attacks, understanding where do we catch them? And one of the things that we found is in those early development cycles of understanding the behaviors of an adversary, we found key indicators of like, wait, that is a very high fidelity indicator that before an adversary even gets on a keyboard, we’ve already caught them. They don’t know that yet. Right. And so that’s a little bit of our secret sauce there. But the reality is that secret sauce was created because we thought like threat actors and we sort of recreated what they did in controlled environments and testing environments to then to make sure the detection and the efficacy of what they’re doing is caught within our product. Robert Dutt: So this is a bit of a sidebar, but it was a new term, at least to me. You flagged Etherhiding in the report, attackers embedding malicious logic and blockchain smart contracts to manage compromised sites. Can you walk me through that real quick? And how real is this in terms of how widely it’s being deployed today? And why does it matter for detection purposes? Wil Santiago: It’s a newer term. You know, I would like to say that we have way too many terms in security and security, you know, sort of like we’re trying to be cool. The reality is this is a technique that leverages transactions on a public blockchain to basically retrieve malicious payloads. Right. And so this is another sort of trend that an adversary is using where they’re just retrieving a payload from something that is trusted. In this case, cryptocurrency. A lot of people trust cryptocurrency. A lot of people trust public blockchains. And so the idea here is that, you know, threat actors are usually going to utilize some type of social engineering and then that social engineering is going to get you to come to like a WordPress site through that WordPress site. They’re going to basically have scripts that you’re going to download and ultimately run. Innocuously. Now, when that happens, you download something that you think is OBS, like the example I gave earlier, it’s actually a JavaScript payload. Well, that JavaScript payload goes and reaches out and it pulls a malicious payload from the ether blockchain. Right. And so that’s that aspect of there’s function calls that we’ve identified within Blackpoint that are related to that remote management of pulling payloads from that blockchain. My personal opinion of this sort of technique is, you know, it gives a lot of advantage to the threat actors in terms of stealth and flexibility. But it is one of those techniques that is complicated for majority of what we see at Blackpoint. Most threat actors are not getting to that complicated level of compromising. They’re just hosting malware on a compromised WordPress site of a legitimate company that they’ve co-opted the passwords for. Right. And again, we see threat actors from different angles. 90 percent of what we see sort of today is cybercrime related. Right. So you have a lot of the fake CAPTCHA, the ClickFix lures, the Etherhiding stuff. The reality is at the end of that payload, we see everything from Etherhiding to Cobalt Strike to ransomware and compromise. The way that they get to that sort of compromise is kind of the same, though. Robert Dutt: Last one for me, if an MSP is listening to this and they’ve just absorbed that, you know, more than half of the attacks they’re going to see start with legitimate credentials, their own tools are showing up in about a third of incidents. MFA isn’t necessarily a guarantee. Where do you start? You know, what’s the one thing they probably aren’t doing today that would meaningfully move the needle for them in terms of making sure things are as locked down, as protected as is possible? Wil Santiago: That’s a great question. I like to say we should probably be spending most of our time right now really focusing on posture and posture management, reducing the attack surface. Right. How do you how do you start? Where do you start reducing the attack surface? This is where frameworks really come into play. And there’s some really great frameworks that are really prescriptive out there. One of them is the Center for Internet Security Controls, CIS version 8.1. It’s very prescriptive and it starts from the very top, right? External facing assets and applications. How do you lock those down? Cloud assets and applications, internal assets, user accounts, passwords, right? And it gives you a prescriptive way to deal with incidents. Beyond that, there’s kind of this like practical implementation groups that they have, right? And so you can start by implementing the CIS Controls with implementing one Implementation Group, right? You don’t have to implement them all. And so I think there’s a subset of Implementation Groups that can be used, but it’s about identifying, you know, what of these sort of subset groups will really resonate with your organization and your maturity level, right? And so I tell most people, look at IG1, start with the essentials. If you’ve already fit the bill on that, then move to IG2, right? But the reality is IG1 is going to give you that foundational security for organizations. And then IG2 and IG3 are going to be a little bit more advanced for more complex things. Most people are probably in that IG1, but they probably could benefit from some of the things in the IG2, the Implementation Groups there. That’s really going to help you really target your defenses against ransomware. That’s going to help you sort of approach a risk-based approach. That’s another thing that, you know, all risk is not the same, right? Risk is treated differently. And it’s important for anyone running a security team to help understand how should I prioritize my risk, right? Where is my risk going to really give me issues if a threat actor gets into it? And therefore, I always say, start there. We all know what keeps us up at night. So that’s the areas that we need to focus on. Robert Dutt: All right. Some sage advice and some sobering numbers as well. I appreciate your taking the time and walking us through some good stuff. Wil Santiago: Thank you, Robert. I really appreciate it. Robert Dutt: There you have it. Wil Santiago from Blackpoint Cyber. I’d like to thank Wil for his time today and for bringing some real energy to what can sometimes be pretty dense subject matter. And of course, I’d like to thank you for listening. The data in this conversation is worth thinking about. More than half of the attacks Blackpoint’s SOC starts with someone simply logging in, using credentials that were stolen sometimes long ago, and that users are still reusing across platforms. A third of triaged incidents involve RMM tools, the same tools your techs are using right now to manage endpoints. And MFA, as much as we’ve come to rely on it, is no longer the finish line it once appeared to be. The antidote Wil describes is behavioral context, understanding what normal looks like in an environment so you can spot when something legitimate is being done illegitimately. Not “Is this malware?” But “Is this person, using this tool at this hour from this location, doing something they’ve never done before?” That’s a fundamentally different way about thinking of detection, and it’s why the human element in the SOC still matters. And I’ll add one thing that Wil mentioned after we wrapped the recording. It’s a dimension of this fight that doesn’t get talked about often enough. Blackpoint’s work doesn’t stop at detection and response. They’re actively working to identify and disrupt adversary infrastructure, notifying law enforcement, including, he noted, Canadian authorities, with the specific goal of making cybercrime economically painful. The logic is straightforward. If your infrastructure gets taken down every time you try to run a campaign, the math of operating a criminal enterprise starts to change. That’s offense, and it sounds like they’re playing it. If you’re finding the show valuable, I’d encourage you to follow or subscribe to the podcast. You can find us on Apple Podcasts, Spotify, YouTube, all the major directories. A rating review always helps. Until next time, I’m Robert Dutt for ChannelBuzz.ca, and I’ll see you in the channel.

Trusting your team does not mean abandoning accountability. Delegation without verification creates risk. In this episode of The Level Up Podcast, Paul Alex breaks down why strong leaders give their teams autonomy while still using clear metrics, audits, and accountability systems to protect the business. You can delegate responsibility. You cannot delegate ownership of the outcome. If standards begin slipping and nobody is checking the data, small operational problems can quietly turn into major failures. In this episode, you'll learn: • Why blind trust can become a dangerous leadership mistake• How KPIs create accountability without constant micromanagement• Why regular audits help protect quality and customer retention• How transparency and verification can actually create greater autonomy The truth is simple: Trust your people. Verify the results. Set clear expectations. Track the metrics. Inspect the work without hovering over every decision. When accountability is built into the system, your strongest operators gain more freedom while weak performance becomes impossible to hide. Inspect what you expect. Your Network is your NETWORTH! Make sure to add me on all SOCIAL MEDIA PLATFORMS: Instagram: https://jo.my/paulalex2024Facebook: https://jo.my/fbpaulalex2024YouTube: https://www.youtube.com/channel/UCGhDAD1JyGGzSQUPD9lc9HQLinkedIn: https://jo.my/inpaulalex2024 Looking for a secondary source of income or want to become an entrepreneur? Check out one of my companies below to see if we can help you: www.CashSwipe.com FREE Copy of my book “Blue to Digital Gold - The New American Dream”www.officialPaulAlex.com Learn more about your ad choices. Visit megaphone.fm/adchoices

A bi-weekly news show informing you on the latest in Bitcoin, privacy and open source tech hosted by Ungovernables, Max and Q. THIS IS THE TWEET Q WANTS YOU TO SEE: https://x.com/justh0dl/status/2086202393998291138AOBWhat a fucking weekKeyOS v1.3.1 now publicly availableSomething exciting to share on Friday's FTF (delayed by 2 weeks)NEWSThe Coldcard entropy catastropheSources: Coinkite technical backgrounder / The Rage, L0la L33tz / TRM Labs / coldcard.rip / cktripwire.com / Bitcoin Magazine victim surveyEXPLAINERThe largest self-custody theft on record, and it traces back to a single wrong conditional. In March 2021 a build guard checked whether Coldcard's hardware random number generator was defined rather than whether it was enabled, so seed generation silently fell back to a deterministic software PRNG. Every seed made on an affected device from that point carried roughly 40 bits of entropy on Mk2 and Mk3, and about 72 on Mk4, Mk5 and Q, instead of the intended 128. That is guessable. Someone did the maths offline, derived the addresses, checked them against the public chain, and swept everything with a balance. Somewhere between 1,400 and 1,800 bitcoin gone, depending on whose forensics you trust, with a median victim loss of one BTC. The part people keep missing: updating the firmware does not fix an existing seed. A weak seed is weak forever.ACTION FOR LISTENERSMove funds to a brand new seed BEFORE upgrading firmware (Lopp's guidance, on reports of update problems).Use high fees. If you see your own coins in the mempool, the attacker opted into RBF and you can outbid them. Window is minutes.Multisig users: consider a private mempool like Marathon's Slipstream.Keep the device; the UID may prove ownership in any recovery process.Updating does NOT fix an existing seed. A weak seed is weak forever.You are exempt only if you added 50+ fair independent private dice rolls, or used a strong unique BIP39 passphrase stored separately.BTCPay Server: unauthenticated LND macaroon theft, actively exploitedSources: BTCPay security advisory / v2.4.2 release / CoinDesk / TFTCCRITICAL FRAMING NOTE: this is ONE story, not two. The "BTCPay bug" and the "LND credential exploit" are the same event. The vulnerability is the macaroon leak. The Aug 8-9 wave of coverage is follow-up hardening, not a new incident. Do not present them separately.REMEDIATION (updating alone is NOT enough)Update to v2.4.2. Verify "2.4.2" in the footer.Update NBXplorer to 2.6.10+.Revoke and regenerate LND macaroons. Updating stops new theft but does nothing about already-stolen credentials. Deleting files is insufficient; the macaroon root signing key must be destroyed at node level. v2.4.2 does this automatically for standard Docker deployments. Custom reverse proxies, separate Tor services or port forwarding must rotate manually.Move funds out of any BTCPay-generated on-chain hot wallet and recreate it.Update LND to 0.21.1. Audit for unrecognised channel closures, unknown peers, unexplained balance changes.SIDE EFFECT WORTH FLAGGING: v2.4.2 removes public LND API access on Docker deployments, which breaks remote wallet connections such as Zeus connecting to your own BTCPay node. Intentional, no restoration timeline published.BREAKING CHANGE: Greenfield Basic authentication disabled by default five minutes after account creation (#7492). BTCPay: "We are not aware of any user impacted by this breaking change, as API Keys authentication is generally used."Boltz suspends all swaps indefinitelySources: Boltz statement / canary.boltz.exchange / The Defiant / TFTC / Bull Bitcoin statementCORRECTION TO THE COMMON FRAMING: Boltz has not shut down. It suspended swap services indefinitely. And the canary sequence runs the opposite way to the rumour: lapsed → suspended → renewed clean.The Bitcoin Red TeamSources: Calle and Rob Hamilton on Nostr/X / Bitcoin Magazine / CoinDesk / TFTC / OpenSats Red Team FundSUMMARYThis is the story that explains the other four. After the Coldcard exploit, Calle and Rob Hamilton pointed frontier AI models at the open-source Bitcoin stack and started auditing everything. In 108 hours, 25 developers scanned 501 projects and produced 7,958 findings, 1,280 of them rated high or critical, at a compute cost north of 58,000 dollars. They found the BTCPay bug's neighbours, and Boltz cited exactly this dynamic when it switched itself off. The uncomfortable symmetry is that the same capability doing the defending is what an attacker almost certainly used on Coldcard in the first place. And the bottleneck turns out not to be finding bugs, it is telling anyone: only 19.5% of the projects they scanned even have a SECURITY.md file, and only 13.1% list a security contact. The scanners move at machine speed. Responsible disclosure is still hunting around for an email address.BIP-110: the fork that mined two blocks and frozeSources: bip110monitor.com / Peter Todd code review / Aaron van Wirdum, Bitcoin Magazine / Lopp's Layman's Guide / Saylor essay / CoinDeskRELEASESBitcoin core / protocollibsecp256k1 v0.8.0 - 2026-08-03Adds a native Silent Payments (BIP-352) module directly into the crypto library nearly every self-custody wallet builds on, plus up to ~11% faster signature verification. Quietly the most consequential positive release of the fortnight: it lowers the bar for every wallet to ship reusable static receive addresses.Bitcoin Knots v29.4 - 2026-08-08Non-urgent maintenance: fixes a chainstate DB bug causing repeated large rewrites, and adds corruption-detection safeguards around BIP-110 mandatory signaling. No critical fixes. (No Bitcoin Core release in window; latest is v31.1 from 2026-07-08.)Hardware / signingColdcard Firmware 4.2.0 (Mk2/Mk3) - 2026-08-03The patch for the entropy catastrophe. Affected ranges: Mk2/Mk3 4.0.1 through 4.1.9; Mk4/Mk5 all before 5.6.0; Q all before 1.5.0Q. Companion fixes shipped the same day: 5.6.0 Mk4/Mk5, 1.5.0Q, 6.6.0X Edge, 6.6.0QX Edge Q. Updating does NOT fix an existing seed - changelog says Mk3 users "must regenerate any seeds made on earlier versions as their entropy is critically low at just ~40 bits." TAPSIGNER, OPENDIME and SATSCARD unaffected.Krux 26.08.0 - 2026-08-04Maintainer odudex is stepping down and the project may be archived. "Krux was not created by me: Jeff started it and passed it on to me, and now it is my turn to pass the torch." On succession: "Krux may be carried on by another maintainer, if a proof-of-work backed Krux contributor accepts the role. Otherwise the Krux project will be put in sunset mode and gracefully archived in a few months." Cause is hardware, not drama: "K210 chips are no longer produced, and Canaan dropped the Kendryte line entirely." Substantial release regardless: fixes a heap buffer overflow in the camera entropy module, adds stricter PSBT fee-calculation checks, replaces the Python UR stack with a faster C module, and makes Krux Installer fully offline.Frostsnap v0.3.0 - 2026-08-05FROST threshold-signing device ships reproducible/deterministic builds and "a fresh release signing key as part of an overhauled release-signing pipeline." Well timed in a fortnight where "can you verify what is running on your signer" is the whole conversation. Catch: the new key breaks in-place Android updates, so direct-APK users must uninstall, reinstall, and re-visit their threshold devices to restore.Trezor Suite v26.7.4 - 2026-08-04Lowers minimum Normal-priority fee rate to 0.2 sat/vB and ships updated Safe 7/5/3 and Model T firmware with security improvements.BitBoxApp 4.51.4 - 2026-08-07Bundles new BitBox02 firmware v9.26.5.Specter Desktop v2.1.11 - 2026-08-09Genuinely security-relevant: adds auth and CSRF protection to the HWI bridge settings, restores validation of active API tokens so revoked JWTs are rejected, and warns that Specter's auth layer does not encrypt the data folder. Also ships an in-app Coldcard Mk3 seed-entropy advisory.Bitkey source/2026-08-02-0031 - 2026-08-02Block's consumer hardware wallet, routine source drop.LightningBTCPay Server v2.4.2 - 2026-08-07Actively exploited, funds already stolen. "This release contains fix of a critical vulnerability that is being actively exploited. You need to update as fast as you can." Unauthenticated remote .macaroon disclosure for LND, plus a TOTP 2FA bypass via Greenfield Basic auth. Requires NBXplorer 2.6.10. Breaking change: Basic auth disabled by default five minutes after account creation. See News item 2 for full remediation.lnd v0.21.2-beta.rc1 and v0.20.3-beta.rc1 - 2026-08-08Not security releases and not related to the BTCPay exploit. Migration/stability fixes only: KV-to-SQL payment migration edge case, channeldb migration recovery, invoice handling, data races, bounded memory on graph sync.Zeus v13.1.3 - 2026-07-27Adds LND v0.21.1-beta support for embedded and remote nodes; patches known vulnerabilities in the ws, js-yaml and markdown-it dependencies. (Note: Zeus also shipped an unreleased swap-security sprint on 08-04 - verify…

In this week's update, we look at the multifaceted integration of artificial intelligence into modern infrastructure, safety, and technology. AI is reshaping emergency services and public surveillance, from New Orleans utilizing automated dispatchers to the high error rates of license plate recognition systems. Significant attention is given to privacy and security risks, including the rise of sophisticated voice-cloning scams, accidental data exposure via chatbots, and autonomous agents that can unintentionally hack websites.We also examine hardware and industrial shifts, including the global shortage of memory chips driven by AI demand and the development of specialized silicon designed to run advanced models locally. Finally, we look at energy innovation and legal precedents, including the rise of safer sodium-ion batteries and court rulings against invasive digital surveillance techniques.Together, these stories illustrate a world balancing the unprecedented efficiency of AI against its potential for social and technical volatility. The bigger story isn't simply that AI is becoming more powerful. It's that we're putting that power into systems where mistakes have real-world consequences.

Richard McGirr is the co-founder of Property Llama and Property Llama Capital, an income focused fund of funds sponsor that helps accredited investors turn underperforming real estate equity into passively managed, cash flowing investments. He also hosts Unlimited Capital on the Best Ever CRE network, where he covers capital raising, fund operations, and the business of building investment platforms. A lifelong entrepreneur, Richard started his first company in college and later spent eight years in China building a software engineering services firm to more than 85 employees. Wanting assets that worked for him instead of headcount, he moved into single family rentals and eventually partnered with Chris Lopez to launch Property Llama. Today his firm invests exclusively in debt funds, using a fund of funds structure to convert idle equity into contractual monthly income. Richard McGirr joins John to explain why so many long-term single family landlords are sitting on millions in equity while earning almost nothing in cash flow. Using data from roughly 6,000 rentals inside the Property Llama platform, where the average return is negative 1% cash on cash, Richard breaks down how a decade of appreciation and debt paydown quietly eroded return on equity. From there, the conversation turns to debt funds. Richard explains how hard money lending to flippers works, why six month loan terms and LTV cushions change the risk profile, and where the real danger sits. He also walks through the fund of funds structure behind Property Llama Capital, the fee discount he negotiated by committing scale, and the operational audit he runs on any lender before placing a dollar with them.     Make sure to download our free guide, 7 Questions Every Passive Investor Should Ask, here.     Key Takeaways  Re-underwrite your rentals at today's values, not your purchase price  Track return on equity, not just cash flow, as debt gets paid down  Debt funds pay contractual cash flow from day one, backed by an LTV cushion  Shorter loan terms shrink the window for things to go wrong  Fraud, not default, is the risk that wipes out lenders  Diversify across a loan pool instead of funding one deal at a time     Topics From Software Founder to Real Estate Investor  Built a software engineering services firm in China to over 85 employees  Left a headcount driven business in search of cash flowing assets  Partnered with Chris Lopez by adding value to an already established operator Why the Average Single Family Rental Returns Negative 1%  Roughly 6,000 rentals in the Property Llama system average negative 1% cash on cash  Rents are flat or falling while insurance, vacancy, and CapEx climb  Richard's own Colorado Springs rent fell about 30% after a supply wave The Return on Equity Problem  The education industry teaches investors how to buy, not how to reassess what they own  A property bought at a 7 cap can become a 3.5 cap when values outpace rents  80% LTV becomes 20% LTV, and returns slide from the high teens into single digits The Equity Rich, Income Poor Landlord  Typical client holds 3 to 8 rentals with several million in equity near retirement  Most target $10,000 to $20,000 a month and sit closer to $3,000  Cash out refinances no longer close the gap at current rates Debt Funds 101  A pool of performing loans secured by title on real property  Hard money lenders fund flippers who need high LTV and five day closings  Fully loaded returns run 15% to 18% including origination Why Hard Money Risk Is Structurally Lower  Six month terms limit what can go wrong versus a ten year horizon  A 25% LTV cushion rarely erodes inside six months  Single family homes are the easiest real estate asset to liquidate Fund Investing vs. Lending on Your Own  Private lending demands underwriting, fast closings, draw management, and workouts  A single Denver flip loan can require $1.3 million of capital  $100,000 into a fund buys a slice of 50 loans instead of one Lending Is a Real Operating Business  Lenders run origination, marketing, servicing, and accounting departments  On a 50 loan book, roughly 8% pays off every month and must be replaced  Richard's largest lender partner employs 40 people Building the Fund of Funds Model  Property Llama Capital launched asset light and headcount light by design  Raising capital for another sponsor's deal without a license is a serious violation  Committing $5 million earned a 30% fee discount, split evenly with LPs How Richard Audits a Lender  Request written credit box, servicing, and draw processes  Sample 20% of the loan tape and match a document to every step  Verify title at the county and confirm payoff wires in the bank account    

 Episode 304. n this week's update:New Orleans is about to let AI answer some of its 911 calls - and the question isn't whether it's fast enough, it's what happens the moment it gets a panicked caller wrong.A mother nearly handed $7,500 to a scammer who cloned her son's voice perfectly - and the thing that saved her wasn't technology, it was a five-minute habit her family never got around to until it was almost too late.Memory prices are about to get a lot worse before they get better, and the culprit isn't your next upgrade - it's an AI chip that skips memory entirely by baking the model into the silicon itself.A new study combed through more than a million Reddit posts about AI coding tools, and what it found wasn't a bug - it was developers handing a master key to something that acts like a junior dev with no supervisor.ChatGPT just got dramatically more capable for free users, and OpenAI's real bet isn't smarter answers - it's convincing you to open the app for things you'd never have thought to ask it before.Meta's smart glasses have a nickname now, and it isn't a compliment - the backlash isn't really about the camera, it's about the fact that you can't tell when it's on.Researchers built an AI that reads the way humans actually read - skimming, rereading, getting distracted - and the unsettling part isn't how well it works, it's what that skill could eventually be used for.A federal judge just ruled that a surveillance tool police have used for years is unconstitutional - and the reasoning wasn't about the crime being investigated, it was about everyone who wasn't.A California police department found that a license plate reader marketed at 96% accuracy was wrong 71% of the time in real alerts - and the only thing standing between that error rate and a wrongful arrest was one department's decision to double-check.The world's memory chipmakers have reportedly sold out all of next year's production already - and if you've been putting off a new laptop or phone, the math on waiting just got worse.It's been one of those weeks where the theme keeps repeating itself: the machines are getting faster, cheaper, and more embedded in daily life, but the humans checking their work are the ones actually keeping us safe. From 911 dispatch to license plate cameras to the chip inside your next laptop, this episode is about what happens in the gap between what AI claims and what AI delivers. Find the full transcript to this podcast here.

This week on the How to Protect the Ocean podcast, Andrew kicks off a science communication series exploring how ocean advocates can spread awareness across every major content format. Today's episode digs into short-form video: TikTok, Instagram Reels, and YouTube Shorts, and what it actually takes to make original content work when you're used to talking for an hour, not ninety seconds. Andrew is candid about his own struggle with the format, since most of his short-form output today is repurposed podcast clips rather than content built for the platform from the ground up. The conversation covers what separates a scroll-stopping short from one that gets skipped: a hook in the first one to three seconds, one idea per video, native casual style over polished production, readable captions, and consistency over perfection. Andrew points to Christian Parton's Shark Bites and KPassionate as creators doing this well across YouTube, TikTok, Instagram, and Twitch, and explains how the algorithm on platforms like TikTok now prioritizes watch time and virality over follower count, meaning a single video from a small account can outperform everything else in a creator's catalog. The episode closes with a candid look at monetization: what TikTok, YouTube Shorts, and Instagram Reels actually pay per view [VERIFY figures before publishing], why the real money in short-form tends to come from brand sponsorships, affiliate codes, and funneling viewers to a long-form platform or Patreon-style support, and why short-form works best as an entry point rather than a destination. This is the first episode in a week-long arc on science communication formats, building toward Friday's interview with Amy Weldon of Blue Collar White Coat. Takeaways Short-form content needs a hook in the first one to three seconds or the algorithm moves on Stick to one idea per video, delivered in one to three minutes Native, casual, direct-to-camera style tends to outperform overly produced content Captions matter because most viewers watch with the sound off The algorithm rewards watch time and virality over follower count, so small accounts can go viral Consistency over perfection is what builds a following over time Short-form monetization pay rates are modest [VERIFY]; real income tends to come from sponsorships, affiliates, and funneling to long-form or Patreon-style support Short-form is best used as an entry point into a creator's larger body of work, not the destination Support Independent Podcasts: https://www.speakupforblue.com/patreon Need help with your ocean non-profit, company, or project? Get the help you need with Pisces Oceans Inc.: https://www.piscesoceans.ca Connect with Speak Up For Blue Website: https://bit.ly/3fOF3Wf Instagram: https://bit.ly/3rIaJSG TikTok: https://www.tiktok.com/@speakupforblue Twitter: https://bit.ly/3rHZxpc YouTube: www.speakupforblue.com/youtube  

What would you do if you discovered two trusted executives had allegedly stolen nearly $1 million from your law firm? In this episode of Great Practice, Great Life, Steve Riley sits down with attorney Craig Goldenfarb to discuss one of the most challenging moments of his career and the leadership lessons that followed. Rather than retreating into micromanagement, Craig rebuilt his firm with stronger systems, better accountability, and a renewed approach to delegation. This is more than a story about fraud. It's a conversation about trust, leadership, and how to protect your firm without becoming the bottleneck. If you're building a growing law firm and wondering how to delegate with confidence while protecting the business you've worked so hard to create, this episode is one you won't want to miss. In this episode, you will hear: The leadership lessons that emerged from a major breach of trust How to delegate without losing visibility or accountability Financial safeguards every growing law firm should consider The role of systems, vendors, and team oversight Rebuilding trust while continuing to grow ___________ Subscribe & Review Never miss an episode. Subscribe on Apple Podcasts, Spotify, or YouTube. ⭐Like what you hear? A quick review helps more people find the show.⭐ If there's a topic you would like us to cover on an upcoming episode, please email us at steve.riley@atticusadvantage.com. ___________ Supporting Resources: Craig M. Goldenfarb https://goldlaw.com/about/attorneys/craig-m-goldenfarb GOLDLAW https://goldlaw.com The Secrets to Becoming an 8-Figure Attorney with Craig Goldenfarb https://atticusadvantage.com/podcast/the-secrets-to-becoming-an-8-figure-attorney-with-craig-goldenfarb Referral Marketing Secrets to Scale Your Law Firm with Craig Goldenfarb https://atticusadvantage.com/podcast/referral-marketing-secrets The Summit https://atticussummit.com Group Coaching https://buildmygreatteam.com Atticus Newsletter https://atticusadvantage.com/newsletter-signup ___________ Curious about growing your own practice without burning out? Contact Atticus to see whether our law firm coaching can help you strengthen attorney success, refine your law firm business strategy, and build a practice that actually supports your life. This podcast for lawyers is part of our broader legal podcast library, offering practical insights on how to grow a law firm through stronger law firm leadership, law firm pricing and management, smarter marketing, intentional hiring, efficient operations, healthy law firm culture, and sustainable profitability, all while addressing law firm burnout and the realities of modern practice. You can also sign up for our newsletter to get practical insights on how to grow a law firm: from law firm leadership and management to marketing, hiring, operations, culture, and profitability, so you can build a Great Practice and a Great Life.

In a landscape where convenience is a weapon used by scammers and corporate giants, your choice of wallet is the only thing standing between financial sovereignty and total loss. Most people treat their crypto like a savings account at a bank; they trust the “brand,” they trust the “user-friendly” interface, and they trust the influencers telling them everything is fine. That trust is a death trap… Over 8,000 Bitcoin (BTC) investors recently watched their life savings vanish because of a lack of entropy in the random number generator for Coldcard, a popular hardware wallet. In plain English: the “random” numbers used to secure their keys weren't random at all. They were predictable. And when the keys are predictable, the hackers don't even have to work; they just walk through the front door. That's all by design… When you choose a wallet that sacrifices entropy for ease of use, you aren't buying convenience. You're buying a ticket to become a victim. Watch on: Odysee | YouTube | X | Rumble | Bitchute | Vigilante.tv Real security is a science, not a feeling. If your software isn't open-source and verifiable, you aren't practicing security; you're practicing faith. And in this game, faith gets you liquidated. But let's look deeper. Why are we being pushed toward these fragile systems? Because there is a concerted effort toward the hijacking of Bitcoin. There are serious allegations that interests linked to Jeffrey Epstein funded a shift in the narrative, turning BTC from a disruptive technical tool into a “store of value” religion. They want you to HODL. They want you in a cult-like echo chamber where “Maxi” influencers tell you the system is perfect as it is. This “ossification” lobotomizes the technology. It strips away the reality that Bitcoin is actually a Turing complete supercomputer and a truth machine capable of on-chain AI and total transparency. If you're just following the herd, you're the product… Don't trust. Verify. Even “air-gapped” hardware is no guarantee if the randomness behind your keys is broken. Verification, not brand loyalty, is what keeps you sovereign. The sovereign toolkit requires assets that are private-by-default and hardware that never touches the internet. That is the only way of thriving in an on-chain world where surveillance is the default setting. The Great Divide is happening here, too. On one side, the indoctrinated victims. On the other, the intelligent human nodes who own their keys and their minds. Which side are you on? Follow me on X @VamosVigilante Want to be on the pulse of crypto? Access our exclusive portfolio, insider reports, full archive of monthly newsletters, real-time market updates, buy/sell alerts, and private community chat and get instant access to the latest issue of our monthly newsletter… Subscribe now! FREE “Crypto 101” Video Training – Watch Our Millionaire Crypto Analyst Reveal the Exact Crypto Wallet Setup He Wished He Had When Starting Out: https://CryptoVigilante.io/crypto101TCV Summit: “What Matters Most in Crypto” | https://dollarvigilante.spiffy.co/checkout/what-matters-most Replay videos available! The Crypto Vigilante (Follow on All Socials) The post Operational Security in a Hostile Era: Don’t Get Scammed appeared first on The Crypto Vigilante.

Darren often says: "We must connect before we can educate, inspire or persuade." Today, Darren and Mark talk with veteran late-night comedy writer and Human Humor Detector Chris McGuire about the importance of connecting quickly. Chris lays out a proven strategy that will help any presenter to connect early and effectively…especially when speaking to high-stakes audiences.   SNIPPETS: • You must connect early • Audiences immediately want to know what's in it for them   • Become a pain point detective   • Show that you see them and you get them   • Use the language of the room   • Open a case file   • Verify you research   • Use 'bits' and 'run a comedic play' to do the heavy lifting   • Use location humor   • Use custom humor   • Without connection, content is irrelevant

This show has been flagged as Clean by the host. sunshine / xbox contlers / plex / steam / UWPHook / Bluetoothctl restart / HDMI dongle https://www.youtube.com/watch?v=FM4FbA4-W_c UGREEN USB C Hub 5 in 1 Multiport Adapter Revodok 105 4K HDMI, 100W Power Delivery, 3 USB-A Data Ports, USB C Dongle for MacBook Pro/Air, iPad Pro, iMac, iPhone 16 Pro/Pro Max, XPS, Thinkpad https://www.amazon.com/dp/B0BR3M8XHK Detached Command: @ECHO OFF cd "C:backupgamestream_launchpad" c:windowsSystem32HdrSwitcher.exe disable start /MIN gamestream_launchpad.exe 1920 1080 gamestream_playnite.ini .bindkeys rc cat .xbindkeysrc /bin/bash /home/plex/.local/bin/Plex.sh /bin/bash /home/plex/.local/bin/Steam.sh /home/plex/.local/bin/kasa --host 192.168.1.239 --port 9999 --type dimmer on; /home/plex/.local/bin/kasa --host 192.168.1.239 --port 9999 --type dimmer brightness 100;xgamma -gamma 1.3 /home/plex/.local/bin/kasa --host 192.168.1.239 --port 9999 --type dimmer on; /home/plex/.local/bin/kasa --host 192.168.1.239 --port 9999 --type dimmer brightness 40;xgamma -gamma 1.3 /home/plex/.local/bin/kasa --host 192.168.1.239 --port 9999 --type dimmer on; /home/plex/.local/bin/kasa --host 192.168.1.239 --port 9999 --type dimmer brightness 12;xgamma -gamma 1.3 /home/plex/.local/bin/kasa --host 192.168.1.239 --port 9999 --type dimmer off;xgamma -gamma 1.3" cat /home/plex/.local/bin/Steam.sh # requires wmctrl -l and xbindkeys # # xdotool windowactivate ```xdotool search --name 'window name'``` # 0 StartSteamLink(){ echo "restarting bluetooth" sudo systemctl restart bluetooth echo "Waking Game PC" sudo /usr/sbin/etherwake -i enp1s0 -D "d8:bb:c1:a2:2c:0b" echo "Starting steamlink" killall -9 steamlink killall moonlight sleep 20 # /snap/bin/moonlight /home/plex/.local/bin/Moonlight-6.1.0-x86_64.AppImage } StartSteamLink SUMMARY: Speaker discusses technical challenges with Sun Shine, Moonlight, and Play Night setups. IDEAS: Sun Shine and Moonlight enable remote game streaming. Play Night acts as a multimodal launcher for Steam. Resolution changes cause display issues during gameplay. Proper exit sequence is critical to revert settings. Ultra-wide resolutions are unusable in some configurations. Multiple launchers require separate logins for different games. Environment variables can adjust client dimensions. Background commands improve system stability. Cat named Mojo is mentioned during the discussion. 5G networks support slower-paced gaming. Technical glitches include frame drops and latency. Steam accounts are tied to specific game libraries. Detached commands run in the background without user interaction. GameStream Launchpad manages resolution and launcher paths. Magical system behavior simplifies remote gaming. Star Wars and Baldur’s Gate are cited as example games. 22nd Millie thing refers to network latency. Multiple Steam accounts complicate game access. Task killing reverts system settings automatically. Cross-platform streaming solutions are highlighted. RECOMMENDATIONS: Use environment variables for client resolution adjustments. Exit applications properly to revert settings. Set up detached background commands for stability. Monitor ultra-wide resolution compatibility. Utilize Play Night for Steam account management. Avoid multiple logins for different game libraries. Opt for cross-platform streaming solutions. Check network latency for smooth gameplay. Use bat files for automated task execution. Configure GameStream Launchpad for resolution changes. Prioritize proper task termination to prevent glitches. Test 5G networks for slower-paced gaming. Leverage environment variables for client settings. Ensure all applications exit before shutting down. Use detached commands for background processes. Verify resolution compatibility with ultra-wide displays. Combine Sun Shine and Moonlight for reliable streaming. Log in once for multiple Steam accounts. Address frame drops in low-latency networks. Stream games universally across platforms. Provide feedback on this episode.

- Gross vs. net on a FERS pension — and why the difference matters- How the survivor benefit election takes ~10% off the top- Why FEHB (health insurance) is often the single biggest deduction- What federal and state taxes do to what's left- The number that actually reaches your bank account — your "port of entry"Your FERS pension has a number that looks great on paper (gross) and a number that actually lands in your bank account (net) — and the gap is bigger than most federal employees expect. In this short video, Charles walks a $3,000 monthly pension through every deduction, dock by dock, until you see what really comes home.Do you know your FERS NET number? Not just the gross.━━━━━━━━━━━━━━━START HERE━━━━━━━━━━━━━━━Apply for a Retirement Consultation:https://apply.cdfinancial.org/6a694299bad1c9a176cdc79f/Get the Digital Federal Retirement Guidebook:https://cdfinancial.org/being-a-federal-employee-book/Subscribe for Weekly Federal Retirement Planning Content:https://cdfinancial.com/newsletter━━━━━━━━━━━━━━━TIMESTAMPS━━━━━━━━━━━━━━━0:00 Gross vs. Net — Why It Matters0:25 The $3,000 Pension Sets Sail0:30 Deduction 1: Survivor Benefit (–10%)1:00 Deduction 2: FEHB (Your Health Insurance)2:01 Deduction 3: Federal Taxes3:03 Deduction 4: State Taxes3:26 What Actually Reaches Your Bank Account3:46 Watch Next: The FERS Choices You Can't Undo━━━━━━━━━━━━━━━WHO WE ARE━━━━━━━━━━━━━━━CD Financial helps federal employees and retirees make smarter retirement decisions around FERS, TSP, FEHB, and retirement income planning — where health meets wealth.━━━━━━━━━━━━━━━IMPORTANT DISCLAIMER━━━━━━━━━━━━━━━Advisory services are offered through CD Financial LLC dba CD Financial, an Investment Advisor in the State of California. Insurance products and services are offered through CD Financial & Insurance Services LLC, an affiliated company.Educational only; not financial, legal, tax, or investment advice. The $3,000 example and all deduction figures are illustrative — your survivor election, FEHB premium, and tax bracket depend on your situation. Verify with OPM and your agency.#FERS #FERSPension #FederalRetirement #RetirementIncome #CDFinancialSupport the show

'Three Pistols' as an opener. Nobody in the Saddledome saw that coming, least of all the guy who'd spent the whole week camping.Episode summaryAugust 1st, 2016. The Scotiabank Saddledome. The Tragically Hip are working eastward, homebound to Kingston, and the Man Machine Poem Tour rolls into Calgary for the first of two nights. Ten years on, three people who were in that building sit down and tell jD what it actually felt like.Spencer from Calgary was at both Calgary shows, and two days before this one he woke up from an afternoon nap, found face-value seats for Edmonton five hours before downbeat, and drove up the highway without packing a bag. Paul from Lethbridge talked himself out of the on-sale entirely, spent a fortnight regretting it, then bought behind-the-stage seats on the secondary market and has never regretted that. Steve from Toronto is a cancer survivor. He brought his fiancee to her first proper Hip show and found two old friends sitting directly in front of him.They talk about the email nobody was ready for. They talk about decoding the album blocks in real time, and about 'World Container' surfacing for the first time since 2009 with Gord Downie working the teleprompter and grinning through a fumble. They talk about a concourse so packed you could not move, a merch line that looked like a family reunion, and a version of 'Grace, Too' that Spencer says he will never shake.Nobody here is claiming to be the expert. They were just in the room. This is the Calgary night, told back by the people who lived it.Key takeaways• Steve from Toronto is a cancer survivor, so the diagnosis email landed on him twice over. Once as a fan, once as somebody who already knew the vocabulary.• Spencer from Calgary got Edmonton tickets at face value five hours before showtime, drove up with no bag packed, sat down with a hot dog and a beer, and the band walked out thirty seconds later.• Paul from Lethbridge and his buddy Nick skipped the on-sale, realized their error about a fortnight later, and bought in behind the stage. Hundreds of shows between them and this one still tops the list.• 'The Kids Don't Get It' was a tour debut that night, and 'World Container' had not been played live since 2009 (source: setlist.fm). Paul clocked the second one in the moment.• All three describe the same night from three different seats, and none of them describe a party. The word Paul reaches for is communal. He lands on an upbeat church service.Quotes“It was like this is happening to my friend Gord, which is a weird feeling to feel about someone that you've never known.”Paul from Lethbridge [MM:SS]“I used to complain that they didn't mix things up enough. I would do anything right now to get the most basic paint by numbers Tragically Hip set list if it meant being able to see that band one more time.”Steve from Toronto [MM:SS]Guest information• Spencer from Calgary - both Calgary nights plus an unplanned Edmonton run. Took his sister and his brother. Still the only concert the three of them have been to together.• Paul from Lethbridge - bought late, behind the stage, no regrets. Went with Nick, his concert guy. 'World Container' is a top-five song for him and he had never heard it live.• Steve from Toronto - cancer survivor. Five shows on the tour, Kingston included. Calgary was his now-wife's first proper Hip show.Resources, links and references• setlist.fm - the full Calgary, August 1 2016 setlist, including the 'The Kids Don't Get It' tour debut and the 'World Container' return. [hyperlink: setlist.fm Calgary Aug 1 2016]• Hipbase - primary source for The Tragically Hip setlists and discography, cross-referenced against setlist.fm for this episode. [hyperlink: Hipbase]• Long Time Running (2017) - the tour documentary both Paul and Steve credit with showing them how close the whole thing came to not happening. [hyperlink: Long Time Running]• The Ride to Conquer Cancer, benefiting The Princess Margaret Cancer Foundation - Steve rides with a team called The Tragically Clipped, a name that predates Gord's diagnosis. [hyperlink] [VERIFY with Steve: team spelling, ride count, and the total raised]• GEDfest Toronto 2026, with Campfire Circle as cause partner - mentioned on mic. Details pending, see note under Upcoming events. [hyperlink pending]• Hipstories - Jake Gold - the earlier Hipstories conversations, from the archive. [hyperlink]• Hipstories - Paul Langlois - the guitarist on the band's own terms. [hyperlink]• Hipstories - Alan Cross - the wider Canadian music context. [hyperlink]Calls to actionLeave yer Hipstory. This series is built out of them, and there are eleven more nights of that tour still to stitch back together. If you were there, or if you watched it from a couch and ugly-cried into a pillow, that counts too. [hyperlink: Leave yer Hipstory - reflections.tthpods.com]Come sit in the rec room. The Facebook community is where these conversations keep going after the episode ends. [hyperlink: Join the community - community.tthpods.com]Buy jD a coffeeEditing is hard. Help keep the battery charged and buy jD a coffee. Tips only, no guilt. [hyperlink: Buy jD a coffee - buymeacoffee.com/tthtop40]Closing paragraphSpencer, thank you for the Edmonton story, which is the single best piece of dumb luck anyone has brought to this series so far. Paul, thank you for 'World Container' and for the phrase upbeat church service, which is the closest anybody has come to naming what those rooms felt like. Steve, thank you for Jay. Spending the last two hours of a friendship at a Hip show is not nothing, and neither is saying so out loud.jD spent most of that summer in a psychiatric hospital and missed the tour entirely, which is a fair part of why this show exists at all. Ten years later the record gets built out of other people's memories. So there's that.Come back in two days for Calgary, August 3 2016. Same building, different night.Socials and community• Facebook: [hyperlink: The community group - community.tthpods.com]Support this podcast at — https://redcircle.com/tthtop40/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

We have more great questions and comments from our listeners! In this episode Dr. Martin and Amy talk about methods for increasing areola size, swelling and numbness after a tummy tuck, weather yellow light therapy is effective, what's better chin implant or genioplasty, and much more? Keep leaving comments and don't forget you can text us and leave voicemails at 303-630-9038. Body pillow system: https://a.co/d/001j1Xxr Amazon Storefront: https://amzn.to/4gTTCIU Watch this episode on YouTube: https://youtu.be/RRq1Bw2IGXg  Comments, questions, clarifications? Leave a voicemail (303) 630-9038 or email Amy@JasonMartinMD.com. Follow Beauty and the Surgeon: YouTube: Jason Martin MD > Beauty and the Surgeon Podcast Playlist Instagram: @beautyandthesurgeonpodcast TikTok: @jasonmartinmd Facebook: facebook.com/beautyandthesurgeonpodcast Website: beautyandthesurgeonpodcast.com Verify your plastic surgeon is board-certified at https://www.plasticsurgery.org

Over 500 published papers stand behind one of the internet's most popular peptides, but fewer than 30 of the humans studied are in them. Dr. Gabrielle Lyon separates the molecule from the marketplace so you can tell real evidence from good marketing.In this solo episode, Dr. Gabrielle Lyon discusses:Why BPC-157's "mountain of evidence" collapses to a 99.7% animal-to-human ratio - 544 papers, but fewer than 30 humans across three uncontrolled pilot trialsHow to place any peptide on the spectrum from FDA-approved (GLP-1s like semaglutide) to investigational to compounded, and why "GLP-1s work, so peptides work" is a trapWhat the FDA quietly did in April 2026, and why removing a dozen peptides from its safety-concern list was driven by policy pressure, not new safety dataThe 4 questions to run on any peptide before you inject level of evidence, what the study measured, where it's sourced from, and whether it's banned in tested sportWhy the "boring work", resistance training, protein-anchored nutrition, and real recovery beat almost anything in a vialIf something is going into your body through a needle, the standard has to be higher than three words on a label that say "research use only." This episode gives you the framework to protect yourself before spending a dollar or taking a shot.Thank you to our sponsors:Head to https://bit.ly/4ftfObn and use code DRLYON for 25% off sitewide. That is K-E-T-T-L-E and Fire dot com slash DRLYON, code DRLYON for 25% off. Also available at select Sprouts, Whole Foods, and Kroger locations nationwide.BodyHealth - Use the code LYON20 to get 20% off your first order https://bit.ly/4vZs75j OneSkin - Get 15% off at https://bit.ly/44XXQYy with code DRLYONExplore More from Dr. Gabrielle LyonPremium Podcast Subscription: Ad-free episodes, key takeaway summaries, exclusive Q&A, and behind-the-scenes content https://foreverstrong.supercast.comWeekly newsletter: Recipes, podcast updates, and practical weekly insights https://drgabriellelyon.com/sign-up/Apply to become a patient: Personalized care with Dr. Lyon's clinical team https://drgabriellelyon.com/new-patient-inquiry/Connect with Dr. Gabrielle Lyon:Instagram: https://www.instagram.com/drgabriellelyon/TikTok: https://www.tiktok.com/@drgabriellelyon X (Twitter): https://x.com/drgabriellelyonFacebook: https://www.facebook.com/doctorgabriellelyon Chapters00:00 - Introduction01:30 - What a peptide is03:40 - The first mistake: treating peptides as one category05:50 - GLP-1s and the "peptides work" fallacy09:30 - FDA-approved peptides: tesamorelin and s15:40 - Repair peptides: BPC-157 and the Wolverine stack16:30 - 544 studies, 30 humans: the evidence gap20:00 - The strongest case for peptides25:30 - The strongest case against peptides29:00 - Compounded peptides and contamination risk30:00 - What the FDA quietly did in April 202633:40 - The 4 questions to ask before any peptide37:40 - The boring work that changes your life If you found this episode valuable, share it with someone who would benefit from it.Disclaimers: This episode includes paid sponsorships. The Dr. Gabrielle Lyon Podcast and YouTube are for general information purposes only and do not constitute the practice of medicine, nursing, or other professional health care services, including the giving of medical advice, and no doctor/patient relationship is formed. The use of information on this podcast, YouTube, or materials linked from this podcast or YouTube is at the user's own risk. The content of this podcast is not intended to be a substitute for professional medical advice, diagnosis, or treatment. Users should not disregard or delay in obtaining medical advice for any medical condition they may have and should seek the assistance of their health care professional for any such conditions.

President and CEO of the Better Business Bureau Steve Bernas joins Bob Sirott to talk about the importance of verifying contractors before working with them, Lollapalooza ticket scams, and how to help prevent the stealing of license plate stickers. He also shares details about a BBB poll looking at companies and their employees, as well as how scammers […]

A bi-weekly news show informing you on the latest in Bitcoin, privacy and open source tech hosted by Ungovernables, Max and Q. AOBFreedom.Tech launch reminderKeyOS v1.3 now publicly availableNEWSIndia orders GitHub to take down BitChat's source code; Internet Freedom Foundation calls it unconstitutional - TFTC: India BitChat GitHub takedown, I4C, IFF / CoinDeskFourth Circuit says border agents can hand-search your phone with zero suspicion, as a man is prosecuted for a duress-wipe - EFF: Fourth Circuit says border agents can search your phone by hand, no suspicion required / TechCrunch: US accuses American of wiping his phone with a duress password at the borderSenate Democrats kill the CLARITY Act before recess; the developer safe harbor (Section 604) stalls with it - TFTC: CLARITY Act rejected, Bitcoin ownership surpasses goldState Department launches a "Freedom Tech" program with BPI, Palantir, and Anduril as founding partners - Bitcoin Magazine: State Department tech program with BitcoinBlock open-sources Buzz: a Nostr-native, keypair-identity workspace for humans and AI agents - LINKBIP-110 approaches its mandatory signaling window with support under 1%, and enforcing nodes staring at a minority fork - TFTC: BIP-110 enters mandatory signaling window below 1% hashrateRELEASESBitcoin core / protocolbtcd v0.26.2 - 2026-07-25Security-hardening for the Go full node: stricter PSBT/input parsing, Schnorr and WIF validation, rejection of malformed bech32, tighter inbound admission.Hardware / signingKeystone 3 v3.0.0 - 2026-07-21Major firmware across all variants of the airgapped open-source signer: reworked passcode/recovery flow, stronger validation, upgraded security policies. Reproducible with published checksums.Trezor Suite v26.7.2 - 2026-07-22Firmware security updates plus a lower 0.2 sat/vB minimum fee and cancel-pending-transaction support.Nunchuk 2.7.1 - 2026-07-16Collaborative-custody multisig wallet. 2.7.0 (07-15) added self-custodial USDT on Liquid and Trezor Bluetooth support; 2.7.1 is bug fixes on top. On-lens for multisig self-custody.Bitkey App 2026.11.0 - 2026-07-14Block's consumer hardware wallet. Release highlights its Emergency Access (recovery/inheritance) path; full notes hosted off-repo at bitkey.world/releases.LightningCore Lightning v26.06.6 - 2026-07-22Patch release (26.06.3-5 pulled over broken PyPI publishing). Now rejects channels reusing an existing funding outpoint, closing a channel-security edge case.LNDg v1.11.0 - 2026-07-26Self-hosted LND dashboard: peer-offline reporting, auto re-index on data migration, historic failed-HTLC data via API. Update logging config on upgrade.Zeus v13.1.3 - 2026-07-21Point release / version bump on the 13.1 line for the self-custodial Lightning wallet.LNbits v1.5.6 - 2026-07-15Minor patch on 1.5.5 (payments extension-field refactor and fixes) for the self-hosted Lightning accounts system.Lightning Labs Wavelength - 2026-07-21A toolkit for adding self-custodial bitcoin (and stablecoin) payments to any application, designed to create the best developer experience for humans and agents.EcashCashu TS v5.0.0-rc.5 - 2026-07-23RC for the major v5 of the reference TS Cashu library: NUT-18 payment requests (PaymentRequestBuilder), mint-preference support, hardened P2PK validation, integer fee math. Foundational for ecash wallets.Nutshell 0.20.3 - 2026-07-22Reference mint/wallet: Pay-to-Blinded-Key (lock ecash to a receiver without revealing their pubkey to the mint), a Spark L2 backend, and a false-UNPAID melt-race fix. DB migration, back up first.Fedimint v0.12.0-beta.0 - 2026-07-23Beta pre-release of the federated ecash / community-custody protocol. Flagged unstable, no upgrade guarantee. "In the pipeline," not production. (Admin UI: Fedimint UI v0.7.4, adds arm64 image.)On-chain privacy / coinjoinWasabi Wallet v2.8.1 - 2026-07-22Now receives to Taproot addresses by default (a real "state of the network" adoption nudge, four-plus years post-activation), adds Linux AppImage, on top of 2.8.0's serverless P2P filter sync.Ashigaru Desktop v1.1.2 - 2026-07-25Whirlpool coinjoin QoL: live Tor/Electrum status, one-click connect, faster startup, self-clearing coordinator banner.JoinMarket-NG 0.34.2 - 2026-07-20Actively-maintained modern fork of JoinMarket: safe expired-fidelity-bond handling, correct frozen-UTXO reporting, multi-wallet RPC routing.Bitcoin Safe 2.1.1 - 2026-07-20Multisig/single-sig desktop wallet: UI fixes and improved Debian build reproducibility.P2P / no-KYCBisq 1.10.4 - 2026-07-24Mandatory security update for the decentralized no-KYC exchange (audit findings): signed DAO block providers, stricter blind-vote/dispute validation, re-enabled BSQ swaps. Required to keep trading.Bull Bitcoin 6.12.4 - 2026-07-24Bug-fix for the no-account self-custodial app (iOS startup-lockup fix). The feature release was 6.12.2 (UTXO/coin-control, Coldcard NFC, BitBox02 Nova BLE, sub-1 sat/vB).Vexl v1.45.1 - 2026-07-21Point release of the contacts-based no-KYC P2P trading app (small fixes).Peach Bitcoin 0.69.0 (381) - 2026-07-23Latest build of the no-KYC P2P Bitcoin marketplace (rolling 0.69.0 build increments 379/380/381 across the fortnight). Verify the build-tag slug before publishing (parentheses in the tag).Self-hosting / infraBTCPay Server v2.4.1 - 2026-07-23Self-hosted no-KYC payment processor: BIP-329 label import, editable invoice comments, refund-email triggers, RTL UI, restored Boltcard payments.Start9 StartOS v0.4.0 - 2026-07-24Major: a complete ground-up rewrite of StartOS, out of public beta after six years, billed as the "correct architecture for sovereign computing." Note: the only upgrade path is a fresh install (no in-place migration). One of the biggest self-hosting stories of the fortnight.Liquid GDK release_0.77.7 - 2026-07-20Blockstream's wallet SDK: libwally + Tor bumps, macOS/iOS cross-compile, single-sig gap-limit fee fix.Privacy stack / PayjoinPayjoin Dev Kit payjoin-cli 1.0.0-rc.1 - 2026-07-23RC for the reference Payjoin CLI, synced to payjoin 1.0.0-rc.6. Signals the v1.0 Payjoin stack nearing release (breaks common-input-ownership heuristics on-chain).NostrAmber v6.3.0 - 2026-07-20Android Nostr remote signer (keeps your nsec off client apps): grouped/collapsible multi-request approvals, a log-disabling privacy mode, built-in Tor, NIP-65 relay prefetch.Wallets (self-custody)BlueWallet 8.0.1 - 2026-07-21Major v8 line: iOS 26 UI refresh, BC-UR v2 airgap scanning (OneKey/Keystone), Unchained multisig cosigner import, 19 new languages, crypto-js replaced with @noble. Broad user base. Confirm the exact tag slug before publishing.Cake Wallet 6.3.2 - 2026-07-24Non-custodial BTC/Monero wallet: home-screen recent history, better OpenAlias/ENS/Unstoppable alias resolution, faster Zcash sync.EDUCATIONWhat Is a UTXO, and Why Does It Matter for Bitcoin Privacy? - 2026-07-25Community explainer thread on Stacker News. The useful part is the top response, which walks through how receive-and-spend patterns fingerprint you and where coinjoin actually helps. Good raw material for a plain-English UTXO segment, which pairs with the Wasabi and Ashigaru releases and gives newer listeners the vocabulary before the coinjoin talk.Bitcoin Optech Newsletter #415 - 2026-07-24Two items worth surfacing. Fabian Jahr's draft BIP459 proposes full aggregation of BIP340 schnorr signatures using DahLIAS, combining multiple signatures into a single 64-byte aggregate, with cross-input signature aggregation as a downstream possibility. And libsecp256k1 #1765 adds an optional BIP352 silent-payments module supporting receiver scanning from only the scan secret and spend pubkey, so the spend private key stays offline. Silent payments quietly becoming infrastructure is a good recurring beat.TO DONATE TO ROMAN'S DEFENSE FUND: https://freeromanstorm.com/donateHELP GET SAMOURAI A PARDONSIGN THE PETITION ----> https://www.change.org/p/stand-up-for-freedom-pardon-the-innocent-coders-jailed-for-building-privacy-tools DONATE TO THE FAMILIES ----> https://www.givesendgo.com/billandkeonneSUPPORT ON SOCIAL MEDIA ---> https://billandkeonne.org/VALUE FOR VALUEThanks for listening you Ungovernable Misfits, we appreciate your continued support and hope you enjoy the shows.You can support this episode using your time, talent or treasure.TIME:- create fountain clips for the show- create a meetup- help boost the signal on social mediaTALENT:- create ungovernable misfit inspired art, animation or music- design or implement some software that can make the podcast better- use whatever talents you have to make a contribution to the show!TREASURE:- BOOST IT OR STREAM SATS on the Podcasting 2.0 apps @ https://podcastapps.com- DONATE via Monero @

https://jo.my/fuzawhTrailer Inspection and Dock SafetyA trailer can look solid from the dock and still hide a serious failure underneath. One weak floorboard, damaged support, or missed restraint can turn a normal loading task into a collapse.That's why trailer inspection is more than a glance. It protects drivers, forklift operators, dock workers, equipment, and every person nearby. Be sure to slow the job down long enough to spot danger before the trailer moves, drops, shifts, or fails.Here are a few tips to assist you with trailer inspection and safety:Check the trailer floor before entry. Look for cracks, sagging boards, water damage, holes, loose panels, and signs of rot. Watch for soft spots near the rear doors and along forklift travel paths. If the floor flexes, feels weak, or looks damaged, stop. Keep people and equipment out until the trailer is cleared.Inspect the trailer structure. Check the walls, roof, frame, landing gear, and rear impact guard. Look for bent metal, broken welds, major rust, or damage from a previous impact. A trailer may hold its shape while empty but fail under a loaded forklift.Control nose-diving. A trailer can tip forward when too much weight moves into the nose without proper support. Confirm the tractor is connected or approved trailer stands are in place. Load weight evenly and follow the facility's loading plan.Prevent tip-over and trailer movement. Verify the trailer is level, stable, and properly positioned at the dock. Check the dock plate or leveler before use. Never assume the trailer will stay still because it looks secure.Use wheel chocks with automatic restraints. Automatic restraints can fail, miss the rear impact guard, or be released by mistake. Wheel chocks add another layer of protection. Confirm they are placed correctly before loading begins.As always, these are potential tips. Please be sure to follow the rules and regulations of your specific facility.Trailer failures rarely give a polite warning. They happen fast. Loud. Violent. Preventable.The safest crews don't trust appearances. They verify the floor. They verify the structure. They verify the restraint. Then they verify it again before the first forklift crosses the dock plate.That extra minute can prevent a crushed worker, a dropped forklift, a damaged load, or a trailer on its nose. Build the habit now. Make inspection part of every trailer, every dock, every shift.Thank you for being part of another episode of Warehouse Safety Tips. Until we meet next time - have a great week, and STAY SAFE!#Safety #SafetyCulture #StaySafe #SafetyFirst #SafetyTips #StayAlert #SafetyAwareness #FacilitySafety #DockSafety #TrailerInspection #ForkliftSafety #LoadingDockSafety

Send us Fan MailWhat separates a professional pool service company from someone simply adding chemicals?In Part 2 of this special Mondays Down Under discussion, Lee Salisbury and Nick dive deeper into professional water analysis with the team from LaMotte, discussing why consistent, accurate testing is one of the biggest differences between average pool care and true water management.The conversation explores the value of the WaterLink® Spin system, reducing user error, interpreting test results correctly, common mistakes professionals make after shocking a pool, and why understanding chemistry matters far more than simply reading numbers off a report.Whether you're running a retail store, servicing residential pools, or maintaining commercial aquatic facilities, this episode is packed with practical advice that can improve both your water quality and your bottom line.In This Episode Why experience matters just as much as chemistry knowledge  Learning to interpret water test results—not just read them  Why every unusual water test should make you ask more questions  How customer conversations often solve water chemistry mysteries  When to consult technical support or laboratory analysis  Why professional testing equipment pays for itself  Reducing user error with automated water testing  The business case for investing in better testing equipment  Saving time while improving customer service  Comparing photometric testing to traditional reagent testing  Why complete water analysis is more valuable than testing only chlorine and pH  Protecting pools through proper water balance  "It's easier to keep it clean than bring it back from green." Technical Topics Covered WaterLink Spin technology  Photometric water testing  Traditional liquid reagent testing  Test repeatability and consistency  Eliminating sample contamination  Proper sample volume  Test accuracy versus operator technique  Water balance fundamentals  Customer communication during water analysis  Laboratory troubleshooting  Commercial pool testing  Residential pool testing Common Testing Mistakes Discussed Misinterpreting zero alkalinity after shocking a pool  Understanding the effects of chlorine above 15 ppm  Why high chlorine can produce misleading alkalinity readings  Using high-range chlorine test strips for confirmation  Running additional tests on the same high-chlorine sample  Recognizing when the instrument is giving you an indicator—not a bad result Best Practices Use professional-grade testing equipment  Perform complete water analysis whenever possible  Verify unusually high chlorine levels before making chemical adjustments  Store Spin Discs properly  Reseal foil packaging after every use  Protect discs from moisture and light  Understand shelf life after opening  Train technicians to recognize abnormal test patterns  Build testing costs into your professional service Commercial Aquatic Facility DiscussionThe episode also covers: Daily health department testing requirements  Three-test commercial Spin Discs  Testing multiple water bodies  Managing public pool safety  Protecting swimmers through accurate testing  Creating efficient testing workflows for aquatic facilities Key TakeawaysProfessional water testing isn't about owning expensive equipment—it's about making better decisions.Accurate testing saves time, improves customer confidence, reduces costly mistakes, and helps protect both swimming pools and the people using them. Understanding what your test results are actually telling you is every bit as important as obtaining the numbers themselves.Featured Guests Lee Salisbury  Nick (Mondays Down Under)  Hiren Patel – LaMotte Company Connect with Talking Pools

The main event: Mike Nicoll, director of Bitcoin Season, on going from USC Film School and Netflix's At All Costs to documenting the first Bitcoin-only deals with an NBA franchise and Klutch Sports — "come for the sexy basketball world, stay for the financial revolution." 100,000 views in the first week, free on YouTube, and Swan will buy the pizza and beer for your watch party. King closes with a credit-desk teardown of Strategy's STRC: why coupon-divided-by-price is the wrong math, what an 85 price actually implies, and why the Bitcoin price — not the coupon — is what brings Stretch back to par. Cory adds the house view: these are institutional products; keep 80%+ of your exposure in real on-chain Bitcoin you control. Homework: Vijay Boyapati's The Bullish Case for Bitcoin and Stephan Livera episode 71. And Dom's legendary full-gear, no-warm-up swish gets the retelling it deserves.

Learn what separates top Silicon Valley commercial painting contractors from the rest. We unpack licensing, warranties, premium materials, environmental certifications, and the long-term ROI of quality workmanship. Essential insights for property managers and facility owners. Learn more at https://paintingpros.com/commercial-painting/ The Painting Pros City: Los Gatos Address: 14960 Los Gatos Blvd. Website: https://paintingpros.com/

Would you approve a franchise tenant without knowing if they actually have enough cash to open their business?In Episode 95 of I Own A Shopping Center Now What, Beth Azor explains why reviewing a franchisee's financials is one of the most important responsibilities a shopping center owner has before signing a lease. Too often, landlords rely on the franchisor's approval process or simply collect financial statements without ever analyzing whether the tenant has the resources to successfully complete the build-out and operate the business.Beth shares real leasing situations where franchisees delayed providing financials, depended heavily on loans, or appeared financially strong on paper while lacking the cash needed to execute their commitments. She explains why cash liquidity matters more than inflated net worth, how to protect yourself with personal guarantees, letters of credit, and security deposits, and why landlords—not brokers or franchisors—must ultimately make the final financial decision.

✍️ How to Change Beneficiaries on Retirement Accounts After Divorce | Los Angeles Divorce

In this episode, Michelle and Malika discuss why every dental practice owner needs to understand the business side of their practice—not just the clinical side. They explain the importance of staying involved in daily operations, maintaining financial oversight, and ensuring key systems are in place to protect the practice. Through real-world examples, they highlight how unexpected staff changes and a lack of operational visibility can leave owners vulnerable to costly mistakes and missed opportunities. Michelle and Malika also share practical strategies that practice owners can implement right away, including reviewing daily deposit reports, auditing patient accounts, reconciling financial transactions, and monitoring insurance payments and adjustments. By developing consistent oversight habits and understanding the numbers behind the practice, owners can strengthen accountability, safeguard their assets, and build a more profitable, resilient business.

World Political Exposure (audio) Compiled Tues. 21 July 2026 12:01 am EST by Judy Byington https://operationdisclosureofficial.com/2026/07/21/restored-republic-via-a-gcr-as-of-july-21-2026/ The Deep State Has Been Stealing Elections Around The World For 20 Years Med Beds Have Been Produced And Running Since The 1970s Musk Is Building A Home Med Bed For Public Use Healthcare run by Big Pharma will never cure disease. A nation run by the media will never know the truth. A country run by banks will always be in debt. A state run by war will never know peace. …Julian Assange on Telegram Gethsemane | The Tabernacle Choir at Temple Square & a Children's Choir “You are a treasure, created with purpose and love by God. Every day is a new chance to shine your light in the world.” Judy Note: On Tues. 21 July 2026 the Quantum Financial System will be unveiled in a worldwide broadcast that securely transmitted via the Quantum Communication Network. The fundamentals of this system, as well as the concrete actions that any citizen can take to start utilizing it, will be revealed.   The enemy has full infiltration of your home, and not a single shot was fired. Billions have been invested in the slow poisoning of humanity. They do not want you waking up. They want you a slave to the system forever. The enemy's biggest weapon was distraction. While everyone was arguing: • Technology became more powerful. • Privacy became optional. • Debt became normal. • Convenience replaced freedom. • Information became harder to verify. • Algorithms began deciding what billions of people see. • Fear became profitable. • Outrage became a business model. • Independent thinking became increasingly rare. • The loudest voices drowned out the most important questions. The strongest prison is built when people stop asking questions, stop verifying information, and accept every narrative without thinking for themselves. Stay curious. Question everything. Verify everything. Think for yourself. What we thought we knew, but didn't really know and now are supposed to know but don't have a clue. With clones, doubles, made up movies Hollywood style and Trump's Military Alliance throwing more popcorn at us, it gets sooo confusing: Mon. 20 July 2026 US Secretary of State Marco Rubio Fox News: “I designated two additional Mexican cartels, the Juárez Cartel and Los Viagras, as Foreign Terrorist Organizations and Specially Designated Global Terrorists. Under President Trump's leadership, we will never stop fighting against violent narco-terrorists from flooding our nation with deadly drugs.” Mon. 20 July 2026 After years of being lied to and gaslit by the mainstream media, voting companies, and crooked politicians, voting systems were always connected to the internet and NOT air-gapped, with IP addresses confirming foreign servers were sending and receiving data to these machines during the 2020 election. Not only did the machines have internet access, they were bought and came standard with foreign made 3G/4G modems already installed in the machines, with remote wireless backdoor access to manipulate the vote count in real time. …Dan Bongino on Telegram Jessie Czebotar claims she witnessed Hillary Clinton, George Bush, Dick Cheney, Joe Biden and others at S-----c Rituals and child hunting parties run by the Rothschilds.   The entire “fossil fuel” scam was invented by the Rockefellers and the Smithsonian in the late 1800s to create artificial scarcity and jack up prices to insane levels. Oil is abiotic. It is a liquid mineral cooked deep in the Earth's mantle under crushing pressure and scorching heat. If people knew oil is basically tap water for the planet, endlessly generated from below, the entire parasitic geopolitics of wars, sanctions, and price manipulation would evaporate overnight. 75 entry-level driving schools are now under investigation for FRAUD. 24,000 drivers who can't speak English were already taken off the roads — and 4 states had to cancel 28,000 licenses issued ILLEGALLY. 9,500 schools have already been CANCELED from the federal registry. “Thousands of unqualified trucking schools have already been taken off the federal registry, but Homeland Security and the Department of Transportation are working to do even more.” Possible Timing: On Thurs. 16 July 2026 the Quantum Financial System went live worldwide. Every major bank connected. Old fiat system dead. GCR gold-backed currencies of 209 nations igniting. NESARA GESARA debt jubilee implemented. Saint Germain Trust of 890 trillion activated for the people. Constitutional Republic restored July 4. US Inc dissolved. On Thurs. 16 July 2026: President Trump signed Executive Order 2026-1947 declaring Med Bed Technology released to the public. Non-invasive treatments under an hour use specific wavelengths so the body heals itself. Free Med Bed access for the general public worldwide soon. Since 2019 the AMA opposed release citing threats to Big Pharma and insurance. Internal AMA email to 847,000 doctors admitted PEMF efficacy for tissue regeneration but threatened license loss and criminal charges for use. On Thurs. 16 July 2026 at 03:17 am Geneva time the WHO deleted over 14,000 pages proving electromagnetic frequency therapy effectiveness including 70-94% tissue regeneration rates, 67-89% cancer remission data, and memos on the frequency problem destroying health economics. On Sat. 18 July 2026 Japan became the first nation to approve Med Bed technology for public hospitals. Three types authorized: PEMF Regeneration Chamber (7.83-14.1 Hz for cancer and o---n failure), Torsion Field DNA Repair Unit (528 Hz for genetic disorders and aging reversal), Biophotonic Coherence Restorer (full-spectrum light for immune restoration). Deployment begins September 1 2026 across 340 hospitals. South Korea approval expected August 2026, India Q4 2026, United States within 120 days. Pharma stocks crashed, emergency meetings called it reckless endangerment. On Mon. 20 July 2026: Temporary Martial Law at maximum alert. EBS preparing decoded pages within hours. 10 days of communication darkness imminent. Military forces positioning for global shutdown protocols. Large scale arrest operations approaching. Hillary Clinton scheduled Tues. 28 July 2026 for Crimes Against Humanity and Children. MedBeds online next week. Global streams of healing centers activating. Free access to Med Beds everywhere by mid August. Regenerative pods reverse aging, regrow limbs in minutes, erase chronic disease, activate DNA and pineal gland. Cabal deep state melting as suppressed military technology from tunnels and Starlink networks floods the planet. Big Pharma dies. Humanity reborn in the Restored Republic. The Great Awakening is here. Nothing can stop what is coming. Global Currency Reset: On Thurs. 16 July 2026 the Quantum Financial System went live worldwide. Every major bank connected. Old fiat system dead. GCR gold-backed currencies of 209 nations igniting. NESARA GESARA debt jubilee implemented. Saint Germain Trust of 890 trillion activated for the people. Constitutional Republic restored July 4. US Inc dissolved. Mon. 20 July 2026 BOOM: “ABOLISH THE IRS” Trends After Trump Exposes Tax System — “FOREIGN COUNTRIES CONTROL OUR POLITICIANS” | Tax Day 2026 VIDEO – amg-news.com – American Media Group   Mon. 20 July 2026 Martial Law: On Tues. 21 July 2026 the World will see what was previously kept under wraps: the Quantum Financial System's formal public unveiling. In a worldwide broadcast that is securely transmitted via the Quantum Communication Network, the fundamentals of this system, as well as the concrete actions that any citizen can take to start utilizing it, will be revealed. The Quantum Network operates on real-time synchronized quantum nodes that are impervious to manipulation, interference, and surveillance. No current supercomputer can crack the level of security provided by quantum encryption, which secures every transaction, account, and asset. This is financial sovereignty for everyone, not just the wealthy. You'll discover how to get into your biometric-assigned account. You will observe how Rainbow Tokens work in this system as actual, gold-backed value. You will comprehend the reasons behind the phase-out of every antiquated technique, including fiat money, third-party processors, and credit networks. Tomorrow's demonstration will feature real-time, secure, and instantaneous international transfers that are carried out without the need for banks, apps, or approval delays. Humanitarian initiatives will be funded in a matter of seconds. Blocked assets will be reactivated and redirected to the individuals. Most significantly, you will witness how corruption at its source is prevented from affecting your identity, wealth, and future. This is the culmination of everything. The Alliance has been dismantling the system from within for years, removing layers of control and deceit. The replacement is now prepared—not as a substitute, but as the only practical option for the future. There won't be any going back after tomorrow. This is the end of the days of financial slavery, hidden taxes, and weaponized inflation. Pay close attention. Everything will be exposed by the light. You can never unsee the truth once you've seen it. Not in theory, but in practice, the quantum era has arrived. It's not just a reveal tomorrow. It is the start of your involvement in a system designed for the people, freedom, and truth. Early Mon. Morning 20 July 2026 at exactly 03:00 EST, Protocol 19 entered its final, non-reversible completion phase. The Black Swan Event was kinetic. Protocol 19 has been fully completed. The Federal liquidation was terminal. …Tier4b ISO20022 on Telegram The Federal Reserve System has officially lost its primary administrative routing certificates, and the legacy paper matrix has run out of broadcast range. The Global White Hat Alliance has finalized the hard-override, and the operational logs for the next 48 hours are locked into the live backend: CHAPTER 1: THE SYSTEM FLIPS Protocol 19 has triggered the absolute migration of global monetary routing. The legacy SWIFT network data hubs in Brussels and New York have been permanently decoupled from the primary ledger lines. The entire baseline architecture has transitioned to the Quantum Financial System (QFS) — where every single transaction pool, international settlement, and corporate clearance is forced to execute through clean, digital asset-backed channels. CHAPTER 2: THE GOLDEN STANDARDS ACTIVATION The era of speculative, print-on-demand fiat paper is dead. The US Dollar and Euro corporate illusions are hitting an absolute wall. Under the strict enforcement of the new global economic protocols, every currency digital asset line must be anchored directly to verified, audited physical precious metals. The unbacked, synthetic liabilities that the Cabal used to manipulate energy and housing sectors are being rendered dead assets in real-time. CHAPTER 3: THE MEDIA SPECTRUM DECAPITATION The mockingbird Media synchronization is breaking in broad daylight. As the financial infrastructure of the old elite collapses, their private funding lines for the major media cartels are hitting absolute zero. Decentralized truth networks via secure Starlink quantum encryption relays are already spreading across the global bandwidth, completely bypassing the corporate gatekeepers and preparing the public grid for the unsealed military tribunal disclosures.   Pay close attention to the sudden, unannounced early bank branch closures and restricted digital access notices at major commercial banking institutions in your area today. They cannot generate paper debt to balance their sheets anymore, and their private authority keys have been permanently revoked. They designed the matrix to make you believe their financial iron curtain was indestructible. But the master switch has been flipped from the inside, the validation metrics are live, and the old world has officially run out of air. The reset is going kinetic. The sovereign era is fully live. The baseline shift was running on live banking clearing nodes right now. While the corporate financial channels are desperately trying to cover up the sudden “administrative outages” across major commercial branches with routine server maintenance notices, the raw ledger telemetry shows the truth: The private central Banking Cartel has been legally and physically severed from individual wealth management. On Mon. 20 July 2026 at exactly 02:00 UTC, the SWIFT protocol clearance keys were permanently overridden. The transition to the ISO 20022 Quantum Financial System (QFS) standard entered its non-reversible execution phase. Here is the unedited, verified inside telemetry straight from the Tier 4B operational hubs: THE REVALUATION MATRIX IS LIVE ON CORE SCREENS The treasury screens inside secure liquidation vaults are displaying internal asset-backed adjustments. The revalued currency rates—led by the primary resource-backed baskets including the Iraqi Dinar and sovereign Zim bonds—are locked behind Quantum-encrypted firewalls. The fiat paper illusion printed out of thin air is officially dead equity. WE THE PEOPLE — SOVEREIGN DIRECT ACCESS Under the strict mandates of the Restored Constitutional Governance and NESARA/GESARA legal structures, bank intermediaries no longer own or control your capital. Every QFS-verified account is 100% direct-access by the account holder alone. No federal tax confiscation, no unconstitutional debt holds, no institutional freezing. THE TIER 4B NOTIFICATION WINDOW The encrypted Safe-Link algorithms are primed for deployment. The appointment slots for private exchange and humanitarian project funding are fully structured under high-security Alliance protection. • Standard Sovereign Holdings: Instantly credited onto digital asset ledgers backed 1:1 by gold and physical commodities.   • Humanitarian Project Lead Holdings: Accessing specialized asset-allocation tiers to fund immediate local infrastructure, free energy, and community rebuilding. Look at your local commercial bank interface. Look at the unprecedented, synchronized limitations on large fiat paper withdrawals worldwide. They cannot generate fractional-reserve debt anymore because the master ledger requires 100% physical metal backing for every single transaction code. The power has been permanently stripped from the private elites and handed directly back to “We The People.” Check your secure devices. Organize your project documentation. Keep your financial parameters completely quiet. The old world is out of money. The sovereign era is fully operational tonight Judy Note: No one knows the exact date for notification of appointments for Tier4b (us, the Internet Group) to exchange foreign currencies, but deadlines shown in the above Timing indicate it to be very soon. We have been told that Wells Fargo, which is controlled by the Chinese Elders – (the ones who own the gold behind the Global Currency Reset) – will send out emails to currency and bond holders worldwide telling them how to set redemption & exchange appointments. It is advised to exchange/redeem your foreign currency at an official Redemption Center (RC) rather than a bank. You can only redeem Zim at a RC, the Dinar Contract Rate can only be given at a RC and banks will offer you lower exchange rates than what you can obtain at a RC. You can only set up your new wallet (bank account) at a RC. It was my understanding that most banks were under control of the Cabal and would soon play a different roll in the Global Financial System. Mon. 20 July 2026: Iran just hit Kuwait's power grid. Iran just attacked Bahrain. Israel claims Netanyahu's arrest is imminent. And somewhere in a classified bunker, someone just activated a contingency protocol. A protocol called “Global Lockdown.” …Mr. Pool Final Chapter on Telegram A military strategist from Pentagon's War Games Division revealed,”Iran attacks on Kuwait, Bahrain aren't random. Coordinated with Israel collapse. Netanyahu arrest destabilizes. Perfect moment for lockdown card.” “Lockdown protocol ready for years. Pandemic 2.0. Economic collapse. Martial law. Deep state waiting. They tried 2020. Trying again now.” “Trump knows. Military knows. We've been watching. When they move, we counter. When they lock down, we unlock.” “Iran escalation is real but distraction. While world watches, deep state moves pieces. Activating protocols. Preparing lockdown.”   “Netanyahu arrest isn't justice. It's destabilization. Creating chaos for lockdown. We see it. We're stopping it.” Why now: “Evidence overwhelming. Lockdown protocol documented. Deep state plans exposed. Move now or they execute.” “Trump authorized military countermeasures. Not Iran retaliation. Counter-ops against deep state. Against lockdown machinery.” “Iran escalation is cover. Netanyahu chaos is cover. Underneath, dismantling lockdown apparatus. Destroying their ability.” “When public, people understand. Not about conflict. About preventing enslavement. Stopping final takeover.” What's coming: “More exposure. More evidence. Lockdown was planned. Chaos orchestrated. Deep state ready for control.” “Military moving. Trump moving. Evidence compiled. Truth prepared for release.” “Lockdown protocol exposed, world wakes. People understand: one crisis from permanent control. Everything changes.” Operation Unlock ✓ activated Phase 1: Evidence Gathering ✓ complete Phase 2: Deep State Exposure ⟳ live (Iran chaos cover) Phase 3: Lockdown Protocol Destruction ⟳ July 20-August 5 Phase 4: Truth Release ⟳ August 6-31 The lockdown isn't happening. The Deep State is falling. The control grid is being destroyed. Trump authorized it. The military is executing it. Freedom is real. The world isn't locking down. The world is waking up. Everything changes. Operation code: Unlock-7719 Status: active Target: global lockdown apparatus Fri. 17 July 2026 THE METRICS FOR THE PLANETARY RESET ARE RUNNING LIVE ON THE TERMINALS….Tier4b ISO20022 on Telegram The sudden, unprecedented data sync drops hitting international administration hubs today (Fri. 17 July 2026) are not technical failures. The global apparatus is entering the primary activation sequence. The operational strategy is mapped directly onto the verified 3-Day Bay of Pigs defense protocol, immediately triggering the subsequent 10-Day full-spectrum shutdown of the legacy grid. The Military EBS is fully primed for direct, un-censored broadcast to all TV and Radio frequencies worldwide. Simultaneously, the old corporate government structures are being systematically stood down to make way for the definitive GESARA Blockchain Elections. The future administrative model will be exactly 10% the size of the current matrix—run entirely by uncorrupted, vetted sovereigns. The entire planet is transitioning into the QUANTUM GESARA baseline. We are witnessing the absolute, non-reversible shift: • Quantum Financial System (QFS) • Quantum Voting System (QVS) • Quantum Healing Matrix • Quantum Internet Framework The old infrastructure is being completely erased. The legacy internet network—built under Operation Mockingbird to control human consciousness—is hitting a terminal wall. No more Microsoft dominance. No more corporate media monopolies. The entire digital field is being rebooted through secure Starlink nodes. The private intelligence networks used by the old establishment to weaponize society are being permanently disassembled as we speak. The Mossad, Five Eyes, and CIA architectures have lost their cryptographic master access. Moving forward, the only validated network on the planet will be Military Intelligence operating under Alliance directives. The baseline of the new economy is locked into the metal-backed Rainbow Treasury Notes and the internationally regulated, gold-standard ISO 20022 USA Coins.   The MOAB (Mother of All Bombs) is no longer a kinetic threat—it is the synchronized execution of the Global Currency Reset, the return of the Precious Metal Standard, the full deployment of Quantum GESARA, and the absolute DECLAS (Declassification) of everything on Earth. Look closely at the irregular technical groundings and the sudden system “freezes” across international sectors tonight. The old world is losing its broadcast range. THE RESTORATION IS FULLY LIVE. What We Think We Know as of Tues. 21 July 2026: Mon. 20 July 2026 Iran Nuclear Facility About to Bomb US, Destroyed by US: Iran Thought 2,000 Feet Of Granite Protected Fordow… Then America UNLEASHED This Mon. 20 July 2026 BREAKING SPECIAL REPORT: Trump's Election Bombshell & The Rubio-Bessent “SHADOW GOVERNMENT” Exposure – The Empire's War on Builders [VIDEO] – amg-news.com – American Media Group Mon. 20 July 2026 BOMBSHELL ALERT: Treasury Secretary Scott Bessent Orders MASSIVE BANK AUDITS by IRS in $18 Billion Minnesota Welfare Laundering Scandal | VIDEO – amg-news.com – American Media Group Mon. 20 July 2026 EXPLOSIVE REPORT: THE $100,000,000,000 “DEATH” RACKET: RFK Jr. Exposes the Massive Healthcare Fraud Draining America [VIDEO] – amg-news.com – American Media Group Mon. 20 July 2026 TOP INTEL OPERATIVES FACE JUDGMENT DAY: DOJ Launches Grand Jury To Crush Obama, Clinton & Russiagate Traitors In History's Biggest Political Coup Case – amg-news.com – American Media Group Mon. 20 July 2026 MIRACLE ALERT: The Secret Healing Power of MORINGA Is Finally Exposed – Rejuvenate Your Body, Boost Immunity & Fight Inflammation Naturally! – amg-news.com – American Media Group Mon. 20 July 2026 BOOM: “ABOLISH THE IRS” Trends After Trump Exposes Tax System — “FOREIGN COUNTRIES CONTROL OUR POLITICIANS” | Tax Day 2026 VIDEO – amg-news.com – American Media Group Mon. 20 July 2026 Hillary Clinton's email to John Podesta: confirms that the Kenyan Administration: Barack Obama + Hillary Clinton + Saudi Arabia + Qatar founded ISIS. …Nesara Gesara on Telegram Julian Assange: “ISIS is funded by Saudi Arabia and Qatar. This is the most significant email in the whole collection… The Government of Saudi and the Government of and Qatar that has been funding ISIS… Under Hillary Clinton and Clinton emails revealed… the largest ever arms deals in the world was made in Saudi Arabia, more than $80 Billion dollars. In fact during her tenure as Secretary of State total arms exports from the United States in terms of the dollar value doubled…” In other words, during Hillary Clinton's time as Secretary of Bribery, the Obama's State Department approved massive arms sales — particularly to Saudi Arabia. The result was the rise of terrorist groups like ISIS, funded largely by the very people who were bribing the Clinton Foundation. In short, the death, the be-headings, and the destruction were, in large part, due to Barack Obama and Hillary Clinton. Mon. 20 July 2026 Fox News: Border Czar Tom Homan claims ICE Agents under siege from leftist hate, but delivered record results: Border czar calling it like it is, agents facing 9000% threat spike, vehicle attacks, rhetoric turning families into targets. Dems and media vilifying them daily as “N---s” and “secret police” while they enforce the laws THEY passed. Yet ICE is smashing records: Historic June arrests, 40%+ increase, removing criminals and threats. Prioritizing public safety despite 100+ injunctions and shutdown sabotage. Homan: “I have their six.” Real Americans stand with our ICE heroes, moms, dads, patriots keeping us safe. Enough with the hate that endangers lives. Back the Blue (and ICE)! Deportations continue. America First.” Mon. 20 July 2026 THE OBAMA FILES ARE WORSE THAN WE THOUGHT. His lawyers didn't show up to negotiate. They showed up to BEG. …The Great Awakening on Telegram Here's what Bondi's team found inside the Tehran servers under Obama's codename — RENEGADE: — 14 wire transfers to a Swiss account linked to Hezbollah between 2014-2016. Total: $1.7 billion. The same $1.7 billion he told Congress was “frozen Iranian assets.” — A signed directive authorizing the CIA to stand down during the Benghazi attack. Not typed. HANDWRITTEN. — Communications with Epstein's handler, dated March 2015, discussing “the island arrangement” and “the Chicago package.” — A backchannel to Tehran through Valerie Jarrett, active from 2012 to 2024. Yes. 2024. Two years AFTER he left office. He didn't just betray America. He was running a shadow government from his basement in D.C. while pretending to be retired. His lawyers are now offering FULL COOPERATION in exchange for immunity. Trump said no. No deals. No mercy. No escape. The man who divided America for 8 years is about to face the America he tried to destroy. And she's awake. Mon. 20 July 2026 THEY HAVE BEEN LYING TO YOU ABOUT OIL FOR 150 YEARS. …The Great Awakening on Telegram Oil is not rare. It is not made from dead dinosaurs. It is the second most common liquid on Earth after water and it is literally the planet's lifeblood. The entire “fossil fuel” scam was invented by the Rockefellers and the Smithsonian in the late 1800s to create artificial scarcity and jack up prices to insane levels. They fed you the biotic lie so you would believe oil is some finite dinosaur soup that is about to run dry. Total fabrication. Oil is abiotic. It is a liquid mineral cooked deep in the Earth's mantle under crushing pressure and scorching heat. It is the natural lubricant for tectonic plates and the grease that keeps the planet's massive gears turning smoothly. That is why wells drilled dry in the 1970s are filling back up again today. The Earth is pumping fresh oil from below and regenerating it nonstop. It does not run out. We are sucking the lubricant out of the planet's engine and now the whole machine is starting to shake. More earthquakes. Creaking faults. Grinding plates. Coincidence? No. We are stripping the oil that keeps the Earth's crust sliding properly and the system is literally seizing up. The so-called “fossil theory” is the greatest economic hack in human history. Real crude oil has almost zero biological markers. No nitrogen, no phosphorus, nothing that would survive if it came from dead organisms. It is pure polymeric hydrocarbons, primordial stuff from the Earth's own formation. Thomas Gold tried to warn the world. He proved hydrocarbons like methane and oil rise from the deep mantle, not from ancient swamps. The establishment destroyed his reputation because the truth would collapse their entire control grid. If people knew oil is basically tap water for the planet, endlessly generated from below, the entire parasitic geopolitics of wars, sanctions, and price manipulation would evaporate overnight. They do not want you to know the Earth makes its own oil. They need you scared, dependent, and paying through the nose while they bleed the planet dry. Wake up. The dinosaurs had nothing to do with it. This is the biggest lie they ever sold us and it is k-----g the engine of the world. Mon. 20 July 2026 DHS is aggressively TARGETING CDL truck driving schools who fraudulently give licenses to foreigners and illegal aliens that end up k-----g Americans. GOOD! SHUT THEM ALL DOWN! …Dan Bongino on Telegram President Trump is also moving to replace illegals with VETERANS in the truck driver workforce. 75 entry-level driving schools are now under investigation for FRAUD. 24,000 drivers who can't speak English were already taken off the roads — and 4 states had to cancel 28,000 licenses issued ILLEGALLY 9,500 schools have already been CANCELED from the federal registry “Thousands of unqualified trucking schools have already been taken off the federal registry, but Homeland Security and the Department of Transportation are working to do even more.” “The two federal agencies are announcing a collaboration to enforce rules and regulations at trucking schools all across the country.” Sun. 19 July 2026 Fox News BREAKING: DEEP STATE DESPERATION EXPOSED! They tried to K--L President Trump mid-flight. …Robert F. Kennedy Jr. on Telegram On July 9, 2026, as Trump departed Turkey aboard the brand-new Qatari-donated Boeing 747-8 — his future Air Force One — the Deep State launched a cowardly cyber strike from Langley, Virginia. They targeted the plane's electronic controls in a blatant assassination attempt. But Trump — always ten steps ahead — switched to the older Air Force One at the last second. What the Fake News called a “routine security precaution” was actually a brilliant trap. This was the beginning of the Great Purification. Encrypted comms intercepted. Traitors scrambling. NYT journalists hit with emergency subpoenas because they had obituaries and “air disaster” stories pre-written and ready to publish. They were waiting for the crash. THEY. FAILED. AGAIN. Trump just exposed the entire rat nest. The storm is here. Justice is coming. Sun. 19 July 2026: They've been stealing elections for at least 15 to 20 years, not just here in the United States, but around the world. Now they're exposed and running out of options….Steve Bannon on Telegram In the Georgia 2020 election at the State Farm Arena, we have them on video pulling out hidden suitcases full of ballots that were separate from all of the other ballots and running the same stacks of ballots through machines all throughout the night, with NO observers present, which is completely illegal, after they stopped the count, lied to observers, telling everyone they're going home. We have multiple states and counties destroying evidence, no chain-of-custody documents, counterfeit ballots, dead people voting, 120% voter turnouts, IP addresses from outside the country confirmed communicating with our election machines, etc… Members of our own government, the CIA, DHS, CISA, the EAC, all knew these machines and companies were compromised, but cleared them anyway for use in U.S. elections. That alone should tell you how deep and corrupt the system really is and what we are truly up against. Sun. 19 July 2026 Unclassified & Un-redacted Files Pending Release. …Julian Assange, The 17th Letter (JFK Jr.) on Telegram: The Benghazi files. The JFK files. The Jeffrey Epstein files The MLK Files. The RFK files. The 9/11 files. The Seth Rich files. The Hunter Biden laptop files. The January 6th files. The C---D-19 origin files. The Fauci files. The Nord Stream sabotage files. The Roswell files. The UFO/UAP files. The Malcolm X files. The Tuskegee Experiment files. The MKUltra files (full scope). The Operation Northwoods files. The Iran-Contra files (unredacted). The Snowden leaks (classified portions). The Las Vegas shooting files. The Clinton email server files. The George Floyd autopsy files (unreleased details). The Area 51 files (beyond Roswell). Mon. 20 July 2026 A FORMER NSA ELECTION SECURITY DIRECTOR JUST WENT PUBLIC. TRUMP'S DECLASSIFICATION REVEALED EVERYTHING. THE VULNERABILITIES WERE WORSE THAN ANYONE IMAGINED. …QAnon on Telegram He contacted us through an encrypted channel 48 hours ago. His identity has been verified by three independent cybersecurity experts. He worked in NSA's Election Security Division 2016-2024. He calls it “The Silent Breach.” His words. Unedited: “Foreign actors penetrated our election infrastructure for 8 years. Real-time breaches. We did nothing.” “In 2016, I documented 47 vulnerabilities in 12 states. They said: ‘This stays classified.'” “By 2018, Chinese intelligence accessed voter databases in 7 states. We knew. We did nothing.” “By 2020, evidence of foreign interference in 19 states. Logs. Timestamps. Everything.” “I told my director we must go public. He said: ‘It destroys confidence. We can't allow that. So they classified it. They buried it. They silenced me.” “In 8 years, I witnessed:”  127 confirmed foreign intrusion attempts into election infrastructure  34 successful penetrations of voter registration systems  19 states with documented vulnerabilities  Zero public disclosures  Zero accountability “Millions voted in systems we knew were compromised. Foreign actors had access. We could have fixed it. I couldn't sleep. For 8 years.” WHY HE'S TALKING NOW: “Trump's declassification changed everything. The documents are coming out. The vulnerabilities are being exposed. The truth cannot be hidden anymore.” “I have 8 years of documentation. I have the intrusion logs. I have the foreign IP addresses. I have the names of officials who covered this up. I have the proof that this was known and ignored.” “I am ready to testify. Under oath. Before Congress. Before the American people.” “127 foreign intrusion attempts. 34 successful breaches. 19 compromised states. Zero accountability. That's not national security. That's treason.” HIS FINAL MESSAGE: “To every American who voted: Your vote might have been compromised. I'm sorry. We knew. We did nothing.” “To every election official who was kept in the dark: You were lied to. The vulnerabilities existed. Your superiors knew.” “To the people who silenced me: The truth is coming. And you cannot stop it.” OPERATION ELECTION TRUTH ✓ ACTIVATED PHASE 1: Declassification ✓ LIVE PHASE 2: Public Exposure ⟳ JULY 21-25 PHASE 3: Accountability ⟳ AUGUST 1 The documents are being released. The vulnerabilities are being exposed. The cover-up is ending. Trump declassified it. The NSA tried to hide it. But the truth is coming out. SHARE THIS. WAKE THEM UP. DEMAND ACCOUNTABILITY. The election security cover-up is finished. Med Bed Body Regeneration Therapy Since 1898 when famed inventor Nicola Tesla first discovered Med Bed Regenerative Therapy, it has been known to heal the body without use of drugs or surgery. Back then American doctors were healing people from all kinds of diseases and injuries using Frequencies, Light, Sound and Electromagnetic Fields taught at universities and practiced in hospitals. By 1910 the Rockefeller Foundation, wanting to make money off of pharmaceuticals, bought and closed over 160 Medical Schools that taught Homeopathy. In their quest for wealth the Rockefeller Foundation's influence also soon covered the legal aspects. Doctors refusing to prescribe drugs lost their license. Researchers studying Frequency based healing lost their funding. By 2019 the American Medical Association were forced to formerly recognize the healing affects of Med Beds, “The AMA acknowledges that peer-reviewed evidence supports the biological efficacy of PEMF therapy in tissue regeneration, pain management, and immune modulation. However, widespread adoption would destabilize existing treatment revenue models and insurance reimbursement structures.” However, concerned about a loss of income in both medical practice and pharmaceuticals, the AMA sent a warning to all 847,000 Licensed American Doctors: “Any physician who recommends, prescribes, endorses, or refers patients to electromagnetic frequency-based therapy will face immediate license revocation, removal from insurance networks, and potential criminal liability under state medical practice statutes.” On Wed. 15 July 2026 President Trump reviewed a 3,400-page classified report that documented 61 years of suppressed frequency healing research on Med Bed technology. It proved that Med Bed treatments could reverse aging, detox cells, activate stem cells, rewire nervous systems and naturally regenerate o----s including heart, liver and kidneys. Trump immediately signed Executive Order 2026-1947, which declassified Med Bed Technology for civilian use, then warned the Medical/Drug Professions of possible indictment if they held up deployment of Med Beds. [Note: NSFW content, CSA/SA content, medical speculation, and other sensitive content in this report was redacted for safety. The full unredacted report can be downloaded below.]

REASONING.SERVICES is where “AI, but verify” becomes a habit. This SoundBytes segment explores how it forces AI tools to weigh the factors you care about and prove they followed your instructions before delivering advice. The post AI, BUT VERIFY! appeared first on sound*bytes.

Spend enough time around federal retirement and the acronyms start flying — and it starts to feel too late to ask what they mean. Charles and Marcus decode the alphabet soup in plain English: FERS (and RAE/FRAE), CSRS and CSRS Offset, TSP, FEHB, FSA, FEGLI, MRA, VSIP/VERA/DRP, SRS, SCD, OPM, ORA, AUO/LEAP, the SF forms, and CSA. Grab the free Acronyms Cheat Sheet in the description.Fill out the form and download the cheat sheet here: https://perspectivefunnel.co/682642d22275ec003bfa6626/6a445b182446fd510fd3af9b/Chapters:0:00 The Acronyms You're Afraid to Ask About2:03 FERS (RAE / FRAE)4:24 CSRS & CSRS Offset5:37 TSP6:23 FEHB & Open Season8:53 FSA10:04 FEGLI11:25 MRA12:44 VSIP, VERA & DRP14:24 SRS18:00 SCD, OPM & ORA23:06 AUO & LEAP25:00 SF Forms27:30 CSA + Free Cheat SheetCTA: Apply for a Retirement Consultation: https://perspectivefunnel.co/682642d22275ec003bfa6626/691df07396253e003c42b434/?ps_hello=Disclaimer: Educational only; not advice. Verify with OPM/TSP.gov. Advisory services through CD Financial LLC dba CD Financial (CA); insurance through CD Financial & Insurance Services LLC.Support the show

We got a lot of questions and comments on our Plastic Surgery Regrets episode so we're going to go over some of them. In this episode Dr. Martin and Amy talk about going back to the gym after surgery, swelling after lower body lift, being disappointed by threads, and eyelash problems after blepharoplasty. Keep leaving comments and don't forget you can text us and leave voicemails at 303-630-9038. Watch this episode on YouTube: https://youtu.be/FFkSM9mhLZk  Comments, questions, clarifications? Leave a voicemail (303) 630-9038 or email Amy@JasonMartinMD.com. Follow Beauty and the Surgeon: YouTube: Jason Martin MD > Beauty and the Surgeon Podcast Playlist Instagram: @beautyandthesurgeonpodcast TikTok: @jasonmartinmd Facebook: facebook.com/beautyandthesurgeonpodcast Website: beautyandthesurgeonpodcast.com Verify your plastic surgeon is board-certified at https://www.plasticsurgery.org

This week, Axe and Heilemann are joined by a Hack from across the pond and all-around political savant, Jonathan Freedland. Jonathan is a Guardian columnist, host of Politics Weekly America, and co-host of Unholy, the podcast covering Israel and the Middle East. The Hacks dive into the biggest stories of the week, including the sudden passing of Senator Lindsey Graham and the political legacy he leaves behind, Trump's war against Iran, the Democratic Party's evolving stance on Israel, chunky forearms, bin-faced politicians, and so much more. Photo by BENJAMIN CREMEL/AFP via Getty Images Learn more about your ad choices. Visit podcastchoices.com/adchoices

Most seller finance borrowers are self-employed, and that's where a lot of originators get tripped up. In this episode I walk through how we actually verify self-employed income at Call The Underwriter, why it matters for Dodd-Frank compliance and your own protection, and the system we use to get through it fast. I cover why W-2 and fixed-income borrowers are easy, why tax returns usually understate self-employed income, and why 12 complete business bank statements are the workhorse document. I also get into the expense ratio approach for turning gross deposits into usable income, the account and commingling problems we run into constantly, and what borrower behavior tells you before you ever see the file. Plus the story of a loan with a mystery dog kennel that supposedly made $30k in a single month. If you originate or buy seller finance notes, this one will clear up a lot of confusion around documenting income that doesn't come with a pay stub. Questions? Drop them in the comments or email dan at calltheunderwriter.com. For more info on underwriting seller finance loans or get started on a deal go to www.calltheunderwriter.com

Did you ever wonder why so many people didn't get out before the dot-com crash? It's an important question to ask yourself, especially if you believe you'll know exactly when to get out before any potential correction in today's AI and semiconductor stocks.   The reality is that the dot-com bubble burst only 25 years ago. Human nature hasn't changed since then. Investors today are no smarter than investors were back then, and the same emotions that drove the bubble are showing up again. There were four major reasons so many people lost money during the tech bust.   The first was that investors stopped focusing on earnings and price-to-earnings ratios. Instead, they justified sky-high valuations by looking at metrics like website traffic, page views, click-through rates, and the number of "eyeballs" on a screen. The assumption was that if revenue kept growing, profits would eventually follow. Many ignored the reality that businesses also have expenses, competition, and execution risk.   The second reason was FOMO or the fear of missing out. Between 1995 and 2000, the Nasdaq surged roughly 400%. As people watched friends, coworkers, and investors make fortunes on tech stocks and IPOs, more and more money poured into the market. Institutional investors and retail investors alike stopped worrying about valuations. They simply saw stocks going up and didn't want to miss the ride.   The third reason was the belief that "this time is different." You heard it everywhere: "You just don't get it. This is the new economy." Investors argued that traditional valuation metrics no longer mattered because the only thing that counted was gaining market share. Profitability could always come later.   The fourth reason was the assumption that capital would never dry up. Few investors paid attention to where companies were getting their money. Many businesses were surviving on venture capital rather than sustainable profits. When funding slowed and investors became more selective, those companies had no profitable business model to fall back on. Many quickly went bankrupt.   At the peak of the bubble, investors stopped asking basic questions. What am I paying for this company's earnings? What am I paying for its cash flow? In many cases, there weren't any. Yet investors convinced themselves the speculative frenzy would continue indefinitely.   The biggest lesson is a humbling one. We like to believe we'll recognize the top and get out before everyone else. But investors in 2000 believed the same thing. Human psychology hasn't changed, which is why bubbles continue to repeat throughout history.   Don't Build That Data Center in My Backyard The race to build AI infrastructure is running into an obstacle that many investors probably didn't see coming: local communities.   Across the country, residents are protesting and filing lawsuits to stop new AI data centers from being built in their neighborhoods. One of the biggest concerns is something most people never think about, the constant noise. Data centers operate around the clock, with cooling fans, chillers, and backup generators creating a continuous hum 24 hours a day. That may not sound like a major issue until you have to live next to it.   New York has become one of the focal points of this debate. While the state has plenty of available land for development, many communities are pushing back. Governor Kathy Hochul is even considering legislation that would place a moratorium on the construction of large data centers in certain areas.   Public opinion reflects that growing resistance. According to recent polling, 44% of Americans oppose additional data center construction, while only 21% support it. When the question becomes more personal and whether people would support a data center being built in their own community, opposition jumps to 57%, while support falls to just 14%.   Residents also question the long-term economic benefits. Building a data center may create thousands of construction jobs, but once the facility is complete, permanent employment may fall to just 100 to 200 workers. At the same time, these facilities consume enormous amounts of electricity. In some regions served by smaller utilities, a single data center could account for as much as 25% of total power demand, raising concerns about higher electricity costs and increased strain on the grid.   The political landscape is becoming more challenging. Lawmakers in states including Arizona, Illinois, and Ohio have restricted or eliminated tax incentives that were previously used to attract data center investment.   Even the companies building this infrastructure recognize the growing risk. The hyperscalers are expected to spend nearly $1 trillion on AI infrastructure this year, but increasing public opposition could slow those plans. Nebius Group, for example, warned in its 2025 annual report that rising resistance to data center projects in certain communities could become a headwind for future expansion.   Investors have spent a great deal of time focusing on AI demand, chips, and software. However, another risk is emerging that deserves attention: if communities continue saying, "Not in my backyard," the pace of AI infrastructure growth may not be as smooth as many expect.   Is Crypto Weakening One of America's Most Powerful Weapons? One of the United States' greatest geopolitical advantages isn't its military, it's the U.S. dollar.   Roughly 90% of global foreign exchange transactions involve the U.S. dollar. That dominance gives the United States enormous leverage. When the U.S. imposes financial sanctions and cuts countries off from the dollar-based financial system, it becomes far more difficult for them to conduct international trade, finance military operations, or access global markets.   That advantage is beginning to erode. Countries that have long opposed the United States such as Russia, Iran, and North Korea are increasingly turning to cryptocurrencies to bypass traditional financial channels. According to reports, their use of virtual currencies for cross-border transactions surged from roughly $12.5 billion in 2024 to more than $100 billion in 2025.   Crypto gives sanctioned nations another way to move money. It can be used to purchase drones, weapons, military components, and fuel, while also helping finance operations such as smuggling oil and paying suppliers outside the traditional banking system.   North Korea has become one of the world's most aggressive crypto thieves, using hacking and other cybercrimes to steal digital assets that can then be converted into funding for its military and weapons programs.   Part of the challenge is that cryptocurrency wallets are identified by long strings of letters and numbers rather than names. While blockchain transactions are publicly visible, identifying the person or organization controlling a wallet can be extremely difficult without additional intelligence. That makes enforcement of financial sanctions much harder.   Even terrorist organizations such as Hamas have, at times, solicited donations in cryptocurrency, illustrating how digital assets can be used to circumvent traditional financial controls.   This is why I believe cryptocurrency has become more than just an investment story, it has become a national security issue.   If Bitcoin and other cryptocurrencies were to experience a significant decline in value, it would reduce the purchasing power of those holding large crypto reserves, including sanctioned actors that rely on digital assets. While it would not eliminate their ability to use crypto, it could make this alternative financial system less effective and increase the relative importance of the dollar-based financial system.   The stronger the role of the U.S. dollar in global commerce, the more effective financial sanctions remain as a non-military tool of foreign policy. With cryptocurrencies becoming more widely adopted, policymakers will need to consider the risk of weakening one of America's most effective forms of economic leverage.   Even with oil off its recent peak, you still may not see cheaper airline tickets. You might assume that with the decline in oil prices, jet fuel costs are also declining, and airlines will pass those savings on to travelers through lower ticket prices. Oil and jet fuel prices have indeed come down, but don't expect airlines to slash fares anytime soon.   The reason is simple: demand remains strong. Even after airlines raised fares eight times since the start of the conflict in the Middle East, analysts say the average round-trip domestic ticket climbed roughly 19% to about $638 yet demand barely changed. In other words, consumers have shown they are willing to pay higher prices to travel. If people keep buying tickets, airlines have little incentive to lower fares and give up those higher profit margins.   Supply is also likely to remain constrained. Airlines aren't rushing to add flights because keeping capacity tight helps support higher ticket prices. The bankruptcy and downsizing of low-cost carriers such as Spirit Airlines has also reduced competition on many routes, making it easier for the remaining airlines to maintain pricing power.   To be fair, airline pricing should be viewed over a longer time horizon. From 2019 through 2025, overall consumer prices rose about 26%, while average airfares actually declined roughly 3.5%. So, despite the recent increases, airline tickets are still relatively inexpensive compared with the broader rise in inflation over the past six years.   The bottom line is that lower fuel costs alone don't guarantee lower ticket prices. As long as travel demand remains healthy and airlines keep capacity in check, consumers may not see much relief at the checkout screen.   Letting Air Out of the Investment Portfolio Balloon Before It Pops At one point or another, we've all seen a balloon inflated until it finally bursts. The same thing can happen to an investment portfolio.   Watching your portfolio grow is exciting, but every investor knows that markets don't go up forever. The challenge is that no one knows exactly when a portfolio has become too inflated. One of the biggest reasons investors refuse to sell is simple: they hate paying taxes. Believe me, I dislike paying taxes just as much as anyone else. But you should never let the tax bill dictate your investment decisions.   Sometimes the smartest move is to relieve some of the pressure in your portfolio before the market does it for you. There are two simple ways to accomplish this: trim oversized positions and sell investments that have become significantly overvalued.   The first strategy is reducing concentration risk. If you review your portfolio and discover that a single stock has grown to 10% or 12% of your total assets, it may be time to trim that position back to 7% or 8%. Yes, you'll likely owe capital gains taxes, but you'll also be reducing the risk that one investment can have an outsized impact on your portfolio if it suddenly declines.   The second strategy is selling investments that have exceeded your target price and can no longer be justified based on their fundamentals. If the valuation has become stretched and the company's earnings outlook no longer supports the stock price, it may be time to take profits. Again, you'll probably owe taxes on the gain, but remember that capital gains are generally taxed at favorable rates. More importantly, paying a 20% or 25% tax on your profit is often far less painful than watching the entire investment lose 20% or more in value. That 20% decline occurs on the entire position rather than just the gain.   No strategy is perfect. You may trim a position only to watch it continue climbing for another year or two. That's part of investing. Risk management isn't about perfectly timing the top, it's about ensuring that no single investment or sector can seriously damage your long-term financial plan.   Consistently following a disciplined, conservative approach won't always maximize returns during bull markets, but it can significantly reduce risk over a full market cycle. When the next major correction inevitably arrives, your portfolio should be positioned to withstand it. That makes it far easier to stay invested, avoid emotional decisions, and continue building wealth instead of panic-selling after the damage has already been done.   Successful investing isn't just about finding great investments. It's also about knowing when to reduce risk. Sometimes, letting a little air out of the balloon today is the best way to keep it from popping tomorrow.   Is AI creating the next memory boom... or setting up the next bust? SK Hynix just pulled off the largest foreign ADR listing in U.S. history, pricing its American depositary receipts at $149 and raising $26.5 billion. That isn't just a fundraising event, it is fuel for one of the most aggressive semiconductor expansion plans the industry has ever seen.   The company is pouring money into new factories, equipment, and advanced packaging capacity around the world. In the United States, SK Hynix is building its first manufacturing facility, a $4 billion advanced packaging plant in West Lafayette, Indiana, expected to be completed in 2028.   Back home in South Korea, the spending is even more staggering. SK Hynix plans to invest up to $720 billion expanding memory production, including a $390 billion semiconductor cluster in Yongin. The company has also committed roughly $7.8 billion by the end of 2027 for additional extreme ultraviolet (EUV) lithography machines, the highly specialized tools needed to manufacture cutting-edge HBM chips. These machines cost as much as $400 million each, are in extremely limited supply, and are only produced by ASML. The company is even accelerating its expansion timeline by more than a decade, with four new fabrication plants now expected to be completed by 2033.   The question investors should be asking isn't whether AI demand is real. It clearly is. The real question is whether the industry is repeating a familiar pattern. Memory has always been one of the most cyclical businesses in technology. Every major technology revolution from the dot-com boom, to smartphones, to cloud computing created a surge in demand for memory chips. Manufacturers responded by rapidly expanding production. Eventually supply caught up, prices collapsed, profits disappeared, and investors who arrived late learned just how brutal the memory cycle can be.   Today feels different... but that is often what every cycle feels like while it is happening.   SK Hynix's market value has increased more than sevenfold over the past year as AI infrastructure spending has created a shortage of HBM. Revenue nearly tripled between 2023 and 2025 to roughly $65 billion, and Wall Street expects sales to surge again to approximately $235 billion in 2026.   Those are incredible numbers. But when major memory producers start announcing massive capacity expansions, history suggests investors should at least consider what happens when today's shortage eventually becomes tomorrow's surplus. AI may create years of strong demand for memory, but the semiconductor industry has a long history of building too much capacity just as demand begins to normalize. The opportunity is enormous, but so is the risk if history repeats itself.   Financial Planning: Simple vs Compounding Interest Loans Many people assume that choosing a simple interest loan over a compound interest loan will dramatically reduce the amount of interest they pay, but in most real-world lending situations, the difference is minimal. The reason is that the power of compounding only becomes significant when a balance grows over time because interest is being added to the principal. With most consumer loans, borrowers either make interest-only payments that keep the principal balance unchanged or make payments that reduce the principal over time. In either case, the interest charged during each payment period is based on the outstanding loan balance at that time, not on an ever-growing balance. Since the loan balance is remaining the same or steadily declining rather than increasing, there is little opportunity for “interest on interest” to accumulate. While compounding can become important if unpaid interest is capitalized and added to the loan balance, that is the exception rather than the rule. For most mortgages, HELOCs, auto loans, personal loans, and similar debt, borrowers should focus far more on the interest rate than on whether the loan is described as using simple or compound interest.   Too Many People Are Using Target Date Funds in Their 401(k) For years, we've discussed the drawbacks of target date funds, including their higher fees and one-size-fits-all approach. Despite those concerns, they remain incredibly popular because they are simple and require very little effort from the investor. According to Vanguard, 61% of 401(k) participants invest in target date funds.   On the surface, they sound like the perfect solution. If you plan to retire around 2045, you simply choose the 2045 Target Date Fund and let it manage your investments. The fund automatically adjusts your portfolio over time, gradually reducing your exposure to stocks and increasing your allocation to bonds as you approach retirement.   Many investors don't realize how significant that shift can be. By the target retirement date, a target date fund may hold around 50% of its assets in bonds. The adjustments don't stop there. Reaching the target year doesn't mean the fund is liquidated or that you receive your money. Instead, the fund continues along its glide path and could increase its bond allocation to 70% or even 80% over the following years.   That approach may have made sense decades ago, but retirement looks very different today. Many people will spend 20 years or more in retirement. Over that length of time, maintaining enough exposure to stocks can be critical to helping your portfolio grow and keep pace with inflation. A portfolio that becomes too conservative too quickly may struggle to provide the long-term growth many retirees need.   Another limitation is that target date funds only manage the assets inside your 401(k). They don't take into account your IRAs, brokerage accounts, pensions, real estate, or other investments. As a result, your overall portfolio allocation could end up being far different than what is appropriate for your financial goals.   The convenience of target date funds is appealing, but convenience shouldn't replace planning. A successful retirement requires understanding how your money is invested, estimating what your portfolio could be worth when you retire, and developing a strategy for how those assets will be invested throughout retirement, not just until you reach it.   Is That Really Your Son or Daughter Calling You? You know your children's voices. You talk to them regularly. Then one day you get a frantic phone call from your son or daughter. They tell you they've just been in a serious accident. They need $15,000 immediately or they're going to jail. They tell you exactly how to send the money. Without hesitation, you wire the funds because you want to help your child.   Unfortunately, you have just been scammed by AI. AI-powered scams are exploding. Reports show AI-related fraud surged more than 1,200% in 2025, and at the current pace, losses from AI scams in the United States could reach $40 billion annually by 2027. Another study found that one in four adults has already experienced an AI voice scam.   Your first reaction may be, "That could never happen to me. I don't post anything on social media." But the problem may not be your online presence. It's your children.   Many people regularly post videos on social media, and today's AI only needs about three seconds of someone's voice to create a convincing clone. Once scammers have that sample, they can make it sound like your son or daughter is saying almost anything.   So how do you protect yourself? If you receive an emergency call asking for money, don't panic. Before sending anything, ask a question that only you and your child would know the answer to. Make it something that has never been shared publicly.   For example, ask about a funny childhood memory that only the two of you remember. Don't use information like birthdays, graduation dates, wedding dates, or other facts that could be found online or in public records. Remember with all these data centers there is so much information that is being obtained and saved but used for the wrong purposes.   Even better, establish a family safe word or passphrase today. Choose something simple that everyone can remember but that would never appear online.   If you ever receive one of these calls, ask for the safe word. If they can't provide it, assume it's a scam until you can verify the situation by calling your child directly or contacting another trusted family member.   As AI continues to improve, these scams will only become more convincing. The same technology powering innovation is also giving criminals new tools to exploit unsuspecting families. Stay alert. Verify before you trust. A few extra minutes could save you thousands of dollars and a great deal of heartache.   Is It Boom or Bust for Micron? It is hard to argue with Micron's incredible stock performance. Through July 2, the shares were up 242% year to date and an astonishing 701% over the previous 12 months. Even after recently falling about 22% from their peak, investors are still debating whether the company has much more room to run.   The good news is that Micron has locked in 15 new customers under long-term supply agreements, with some contracts extending as long as five years. Many of these agreements include customer deposits, giving the company excellent revenue visibility and reducing uncertainty over future sales. For investors, that is exactly the kind of stability they like to see.   But every smart investor should also ask: What is the downside?   While those contracts provide a strong foundation, they do not guarantee that demand will remain as strong over the long term. Unless a customer goes bankrupt, the contracts are largely locked in, but technology changes quickly. High prices and limited supply often encourage innovation, and the AI memory market is no exception.   Several companies are developing new architectures that reduce or even eliminate the need for high-bandwidth memory (HBM), which has been one of Micron's biggest growth drivers. As companies search for lower-cost and more efficient alternatives, demand for HBM could eventually soften.   Nvidia also signaled in June that it is redesigning portions of its upcoming Vera Rubin AI platform to use memory more efficiently. While Nvidia remains a major customer for HBM, improvements in memory efficiency could reduce the amount of HBM required per AI system over time.   Meanwhile, newly public chipmaker Cerebras has taken an entirely different approach. CEO Andrew Feldman has said the company's wafer-scale AI chips do not use HBM at all, arguing that it is too expensive and supply constrained. If other AI hardware companies pursue similar designs, it could create additional competition for HBM.   None of this means Micron's growth story is over. The company's long-term contracts provide meaningful protection, and AI demand remains exceptionally strong today. However, investors should remember that today's shortages and premium pricing often inspire tomorrow's technological breakthroughs.   The question for Micron investors is whether HBM remains the industry standard for years to come or whether innovation eventually reduces the need for it. If demand for HBM begins to slow, Micron's remarkable growth could also begin to moderate.   Companies Discussed: Caterpillar Inc. (Ticker: CAT)

Part two of the discussion with Jim Hodapp and Bob Belderbos focused on practical software development. Topics included testing, tooling, libraries, developer workflows, AI coding assistants, and why Rust's ecosystem is helping developers build more reliable systems. Key Discussion Points Rust libraries and crates Built-in testing capabilities AI-assisted coding workflows Compiler-driven development Tooling and developer experience The rise of AI coding assistants has changed the software development landscape. Code can now be generated in seconds. The challenge is determining whether that code should be trusted. This is where AI-assisted Rust presents an interesting model for modern engineering. Rather than relying solely on AI output, developers gain support from a compiler, testing framework, and ecosystem specifically designed to catch problems early. The result is a workflow centered on reliability instead of speed alone. About our Guests Jim Hodapp Jim Hodapp is a veteran software engineer, engineering leader, and technical coach with deep roots in systems programming. His background spans C, C++, Linux, embedded systems, software architecture, and engineering management. In recent years, he has become a recognized Rust advocate, helping developers transition from traditional systems languages into modern, memory-safe development practices. Through RefactorCoach and his Rust training initiatives, Jim focuses on improving engineering effectiveness, software quality, and developer growth. Follow Jim on LinkedIn: https://www.linkedin.com/in/jim-hodapp/ Bob Belderbos Bob Belderbos is a software developer, educator, coach, and co-founder of PyBites. Originally coming from a finance background, Bob transitioned into software through automation, scripting, and Python development. He has spent years helping developers improve their coding skills through practical challenges, mentoring, and community-based learning. More recently, Bob has expanded his focus into Rust, combining his Python expertise with modern systems programming practices to help developers build faster, safer, and more maintainable software. Follow Bob on LinkedIn: https://www.linkedin.com/in/bbelderbos/ Why AI-Assisted Rust Works Differently Many AI-generated applications succeed initially but struggle when complexity increases. The root issue is often a lack of validation. AI may generate code that appears correct while introducing subtle assumptions, type mismatches, or architectural weaknesses. Rust changes this dynamic. Its compiler demands correctness before execution. This creates an environment where AI-generated solutions must satisfy strict requirements before becoming production-ready. Rather than fighting the compiler, developers can use compiler feedback as an additional review mechanism. The combination creates a surprisingly effective development loop. AI-Assisted Rust and Compiler-Driven Development Historically, developers discovered many errors during runtime. That process is expensive. Bugs appear later, testing cycles expand, and debugging consumes valuable time. Compiler-driven development shifts detection earlier. When AI generates code inside a Rust project, the compiler immediately validates: Types Ownership rules Memory safety Data structures Interface compatibility This reduces uncertainty. The AI-assisted Rust approach effectively turns compilation into a continuous quality-control process. Every issue caught during compilation is one less issue waiting in production. How AI-Assisted Rust Improves Testing Another major topic discussed during the episode was testing. Rust includes first-class testing support directly within the language ecosystem. Developers can place tests alongside implementation code and execute them through the same tooling used to build applications. This integration matters. When testing becomes frictionless, developers are more likely to perform it consistently. The guests also discussed an emerging AI-era consideration. When AI generates both application code and tests, developers must ensure tests remain objective. Separating tests from implementation can sometimes help prevent AI from simply validating its own assumptions. The goal remains the same: Verify behavior rather than confirm expectations. AI-generated tests are only valuable when they challenge the code instead of reinforcing it. The Role of Libraries and Crates Every modern language depends on ecosystems. Rust is no exception. The conversation explored how Rust balances a relatively focused standard library with a thriving third-party package ecosystem. Instead of relying on massive built-in functionality, Rust encourages developers to leverage well-maintained community crates. This approach provides flexibility while avoiding unnecessary complexity in the language itself. For teams adopting AI-assisted Rust, this creates another advantage. AI tools can often identify appropriate crates quickly, reducing research time while still allowing developers to evaluate quality and suitability. Tooling That Supports Better Software One recurring theme throughout the discussion was integration. Rust combines several critical capabilities into a cohesive experience: Package management Dependency management Building Testing Formatting Linting Developers spend less time assembling tooling and more time solving business problems. This integrated philosophy becomes increasingly important as software stacks grow more complex. When AI enters the workflow, consistency becomes even more valuable because every tool participates in maintaining quality standards. Audit your current development workflow and identify how many separate tools are required for building, testing, linting, and dependency management. The Real Value Is Confidence The most important benefit of AI-assisted Rust may not be performance. It may not even be productivity. It is confidence that: The generated code meets standards. Tests validate behavior. Memory safety issues are unlikely to appear unexpectedly. The compiler is actively helping rather than simply translating instructions. That confidence allows teams to move faster without sacrificing reliability. The best development environments reduce uncertainty rather than merely increasing speed. Conclusion AI-assisted Rust represents a practical evolution in software development. Instead of choosing between AI productivity and engineering rigor, developers can combine both. AI accelerates implementation while Rust's compiler, testing capabilities, and tooling ecosystem reinforce quality. As software becomes increasingly AI-generated, environments that encourage correctness from the start may become some of the most valuable platforms available to developers. Stay Connected: Join the Developreneur Community

Our guest is Stacey Knight Mejia, an attorney by training but better known throughout Acadiana as “Sensei Stacey,” co-owner and chief instructor of Acadiana Karate. A ten-time national forms and weapons champion, Stacey has spent decades teaching martial arts, confidence, and practical self-defense to children and adults. Her message is simple but powerful: “The goal isn’t to live in fear. The goal is to live with awareness, confidence, and the ability to trust yourself.” As Stacey explains, avoiding violence begins long before physical self-defense becomes necessary. “Ninety to ninety-five percent of all self-defense scenarios can be avoided by pre-planning.” That single statement frames our entire discussion. Stacey explains that every attack begins with three elements: a predator, a victim, and an opportunity. Predators are looking for easy targets and easy opportunities, which is why awareness matters so much. “You are what you look like. How you stand, how you walk. Eye contact is huge because remember, the predator doesn’t want to get caught.” She encourages women to walk with purpose, maintain awareness of their surroundings, know where exits are located within seconds of entering a building, lock vehicle doors immediately, and always have a response plan before something happens. “Have a plan. What am I going to do? Where are the exits? How am I going to get out of here?” Throughout the interview, Stacey returns repeatedly to the importance of using your voice. “When I teach women physical self-defense classes, I sometimes have issues getting them to use their voice. They feel, ‘I’m silly,’ or they’re shy. I need you to become a tiger or a lion because the guy that’s coming at you has a criminal mindset.” One of the strongest themes of our discussion is learning to trust intuition. Gavin de Becker’s landmark book The Gift of Fear, was discussed and he argues that our instincts often recognize danger before our conscious minds do. “Trust your instinct. Trust your gut. It’s so important.” She tells parents to teach their children the same lesson. “No is a one-word sentence. No means no. Say no and run.” Rather than encouraging people to become fearful, Stacey wants them to become intentional. “I don’t want you to live in fear. But you need to be aware.” We discuss numerous real-world situations that women encounter every day, including shopping centers, grocery stores, parking lots, gas stations, DoorDash deliveries, ride-share services, parks, jogging alone, and even sitting in your own driveway scrolling through your phone. Stacey points out that today’s criminals are increasingly sophisticated, posing as delivery drivers, utility workers, or even leaving seemingly harmless items such as money dropped on the ground, windshield wipers moved out of place, or objects on door handles to create distractions. Her advice remains remarkably practical: “Verify, verify. Do not open the front door of your house for a delivery person or a utility worker until you verify.” She also recommends limiting distractions. “The cell phone can be very helpful but it’s a huge distraction.” Instead, she encourages using technology wisely by sharing locations with friends and family, calling 911 immediately if something feels wrong, and trusting that internal warning system. Another phone trick is to put your camera on if someone is stalking you. “Turn around and say, ‘Do I know you? Do you need anything? and take a picture. If they hurry away, you know they weren’t up to any good.” One of Stacey’s most moving stories involves a woman who survived a brutal sexual assault and eventually found her way to Acadiana Karate. Initially unable to speak about what had happened, she slowly rebuilt both her confidence and her life through training. “She came out victorious. She got her life back.” Stacey also offers reassurance to anyone who has survived an attack. “You survived. You shouldn’t feel shame about that.” Although Stacey has earned national championships in martial arts competition and even performed stunt work on the television series Mortal Kombat: Conquest after being recruited from the national karate circuit, she emphasizes that most people will never need advanced martial arts techniques if they develop strong situational awareness. Stacey recommends simple, easy-to-use personal safety devices such as Birdie or Hootie personal alarms that emit a piercing sound to attract attention and create an opportunity to escape. She is less enthusiastic about pepper spray, guns or knives. “I’m not an expert on those tools. I don’t advocate for it. I’ve heard so many horror stories about the attacker grabbing it and turning it on you.” She also recommends an inexpensive glass breaker/seatbelt cutter device that can be used both in vehicle emergencies and, if necessary, to escape from a locked vehicle. Her philosophy focuses on escape rather than confrontation. “The goal is to escape.” Stacey also explains why a single two-hour self-defense seminar cannot replace consistent training. “Don’t think that you’re an expert after one seminar.” Karate develops something much deeper than physical techniques. Through repetition, students build muscle memory so that, under the stress of an actual attack, simple defensive movements become automatic. “We just drill it, drill it, drill it.” Every August I get calls about teaching safety classes to daughters right before they go iff to college. ‘Please, can you teach self-defense in a week?’ The best thing I tell my parents is to buy this book: Confidence in Conflict for Campus Life, by Jill Weisensel . It goes through all things addressing personal safety awareness like theft in the dorm, sorority parties, how to address hazing and sexual assault, just really great tips on how to address high-risk behaviors.” Stacey also follows Dannah Eve who recently wrote a book called Street Smarts. Introduced to karate by her future husband, Pablo Mejia, while attending college, she earned her first-degree black belt before entering law school. She credits martial arts with helping her persevere through one of the most demanding periods of her life. “There are times in law school where we all just want to quit. Karate really helped me.” The discipline she learned on the mat carried directly into her legal career. Today, Stacey continues serving the community through Acadiana Karate while also sharing health and wellness advice through her “Stacey’s Optimal Health” platform. Whether discussing nutrition, exercise, parenting teenagers, or personal safety, her underlying message never changes: preparation creates confidence. This episode is for every woman, every parent, every college student, and every family member who wants practical, thoughtful guidance on staying safe while living life with confidence instead of fear. “Don’t live in fear. Just be aware.” For more information about Stacey Knight Mejia and Acadiana Karate, visit https://acadianakarate.com/

It's time for one of our favorite episodes of the year, Stuff We're Into! Dr. Martin and Amy have brought in things that help them live their best lives. Lean Sauce | Code: Joel  Midnight Blue Calming Cream Blue Youth Activating Drop Japanese Walking method (interval walking training IWT) for health/weight maintenance Body Work for maintaining range of motion and helping fix those areas of soreness with exercise and weight training Yeti and Bear (my dogs!) Watch this episode on YouTube: https://youtu.be/dYxWWw6Wh5Q  Comments, questions, clarifications? Leave a voicemail (303) 630-9038 or email Amy@JasonMartinMD.com. Follow Beauty and the Surgeon: YouTube: Jason Martin MD > Beauty and the Surgeon Podcast Playlist Instagram: @beautyandthesurgeonpodcast TikTok: @jasonmartinmd Facebook: facebook.com/beautyandthesurgeonpodcast Website: beautyandthesurgeonpodcast.com Verify your plastic surgeon is board-certified at https://www.plasticsurgery.org

First, we'll tell you how new CalFresh work requirements impact the budget approved by county supervisors. Also, we'll tell you why water is set to cost more across the county. Next, a decision will soon be made regarding a half-century-long battle to save some green space for a park in Emerald Hills. Next, we took a trip over to Tijuana where Haitians have built a vibrant community; we joined them as they cheered on their World Cup team. And, some weekend event ideas across the county that you and yours could take part in.

The e-commerce world didn't get “easy” overnight. Our guest Jason Greenwood has lived every phase of it, from the days when getting a website online was hard, payments were clunky, and technical SEO was the only way to get discovered, to today's world where a storefront can launch fast and customers expect everything to work instantly on a phone. That long view makes his take on digital transformation and the future of commerce feel grounded, not hype-driven.We dig into the biggest platform shifts Jason has seen, then zoom in on the opportunity most people still underestimate: B2B e-commerce for manufacturers and distributors. He explains why relationship selling and sales compensation models slowed adoption, why so many teams still burn time on low-value admin work, and why the B2B digital commerce market remains wide open compared to saturated retail e-commerce. If you care about modernizing operations, improving customer experience, or scaling revenue, this conversation connects the strategy to the messy reality inside real companies.Then we go deep on AI in e-commerce, especially agentic AI that can break work into subtasks, run parallel workflows, and ship real outputs fast. Jason shares how he uses AI as a thought partner and execution partner, the prompts he repeats to find blind spots, and the non-negotiable habit of demanding citations and reviewing deliverables so hallucinations do not sneak into client work. If you're trying to stay relevant as automation accelerates, this is a practical roadmap.Subscribe for more conversations like this, share the episode with an operator who needs it, and leave a review with one AI workflow you're ready to automate next.How to connect with Jason Greenwood?LinkedIn: https://www.linkedin.com/in/jason-greenwood-digital-expert/ Website: https://www.greenwoodconsulting.net/ podcast: https://www.greenwoodconsulting.net/podcastYouTube: https://www.youtube.com/user/jagnz1/videosReady to scale your Amazon business? Click here to book a strategy call. https://calendly.com/firingtheman/amazon Support the show