Podcasts about Willie Sutton

In questa puntata di Dee Giallo Story Carlo Lucarelli racconta l'incredibile storia del bandito Willie Sutton.See omnystudio.com/listener for privacy information.

I casi di cronaca più oscuri con il criminologo Massimo Picozzi.

I casi di cronaca più oscuri con il criminologo Massimo Picozzi.

Legend has it that when asked why he robbed banks, the infamous 20th century bank robber Willie Sutton said, “Because that's where the money is.” In the 21st century, banks still have the money, but the approach to robbing has changed considerably. Caleb and Greg discuss one such case that features astonishingly deceitful methods.SponsorsMakersHub- https://ohmyfraud.promo/makershubRightRev - https://ohmyfraud.promo/rightrev Blue Onion - https://ohmyfraud.promo/blueonion(00:00) - A Bank Robbery in Elkhart (01:06) - Meet Your Hosts: Caleb and Greg (02:04) - Listener Reviews: The Good, The Bad, and The Ugly (04:24) - Greg's Major Work Screw-Up (12:19) - Welcome to Elkhart Kansas (16:58) - The Rise and Fall of Heartland Tri-State Bank (24:22) - Unveiling the Pig Butchering Scam (25:17) - What is Pig Butchering? (26:27) - The Point of No Return (27:18) - Role-Playing the Pig Butcher (28:21) - The Scam Unfolds (31:59) - The Bank CEO's Desperate Gamble (38:16) - The Aftermath and Investigation (46:09) - Shan Hanes Charged (49:22) - Lessons Learned and Final Thoughts HOW TO EARN FREE CPEIn less than 10 minutes, you can earn 1 hour of NASBA-approved accounting CPE after listening to this episode. Download our mobile app, sign up, and look for the Oh My Fraud channel. Register for the course, complete a short quiz, and get your CPE certificate.Download the app:Apple: https://apps.apple.com/us/app/earmark-cpe/id1562599728Android: https://play.google.com/store/apps/details?id=com.earmarkcpe.appQuestions? Need help? Email support@earmarkcpe.com.CONNECT WITH THE HOSTSGreg Kyte, CPATwitter: https://twitter.com/gregkyteLinkedIn: https://www.linkedin.com/in/gregkyte/Caleb NewquistTwitter: https://twitter.com/cnewquistLinkedIn: https://www.linkedin.com/in/calebnewquist/Email us at ohmyfraud@earmarkcpe.comSources:Cimarron National Grassland [NPS]Santa Fe National Historic Trail [NPS]Dust storm. Elkhart, Kansas [Library of Congress]Map of states and counties affected by the Dust Bowl between 1935 and 1938, originally prepared by the Soil Conservation Service. [Wikipedia]What took down this Kansas bank? It's a secret, but what saved depositors isn't. [Kansas Reflector]A $12 Million Request to Cover a Crypto Scam Sank a Bank CEO [Bloomberg]Testimony of: Shan Hanes before the Senate Committee on Financial Institutions and Insurance regarding Providing Equal Opportunity to Credit for Kansas [January 19, 2021]‘Huge scam' in rural Kansas town fells fourth U.S. bank in 2023 [Kansas Reflector]Shan Hanes Bio [U.S. Congress]A bank failure shattered trust in this Kansas town. Only honest talk will heal it. [Kansas Reflector]Dream First Bank, National Association, of Syracuse, Kansas, Assumes All of the Deposits of Heartland Tri-State Bank of Elkhart, Kansas [FDIC]HEARINGS BEFORE THE SUBCOMMITTEE ON COMMODITY EXCHANGES, ENERGY, AND CREDIT OF THE COMMITTEE ON AGRICULTURE HOUSE OF REPRESENTATIVES ONE HUNDRED SIXTEENTH CONGRESS [Nov 19, 2019; Dec. 11, 2019]‘Huge scam' in rural Kansas town fells fourth U.S. bank in 2023 [Kansas Reflector]FinCEN Alert on Prevalent Virtual Currency Investment Scam Commonly Known as “Pig Butchering” [FinCEN]Former Kansas bank executive charged with embezzling $47 million [DOJ]Fmr. executive pleads guilty after losing bank's $47.1 million in crypto scheme [DOJ]Failed Bank Information for Heartland Tri-State Bank, Elkhart, KS [FDIC]Heartland Tri-State Bank - Elkhart, KS Frequently Asked Questions [FDIC]Material Loss Review of Heartland Tri-State Bank [OIG FRB CFPB]Material Loss Review of Heartland Tri-State Bank Evaluation Report [OIG FRB CFPB]Former Kansas bank executive charged with embezzling $47 million [DOJ]Fmr. executive pleads guilty after losing bank's $47.1 million in crypto scheme [DOJ]Pig Butchering Scams: Last Week Tonight with John Oliver (HBO) [YouTube]

New York police pick up Willie Sutton, but at first, they're not sure of his identity. As realization dawns, Willie must make a choice about his future. He has a chance to escape custody, but he thinks he might be too old to take it. Eventually, the lifelong felon returns to prison. He survives a long stretch at Attica State Prison before he reinvents himself as a consultant for banks and lawmen who want to tap into his well of bank robbing knowledge. Bring the Arts home with Marquee TV! Sign up at Marquee.tv and receive 3 months for just 99 cents when you use the promo code AMERICA.   Join Black Barrel+ for ad-free episodes and bingeable seasons: blackbarrel.supportingcast.fm/join   Apple users join Black Barrel+ for ad-free episodes, bingeable seasons and bonus episodes. Click the Black Barrel+ banner on Apple to get started with a 3-day free trial.   On YouTube, subscribe to INFAMOUS+ for ad-free episodes and bingeable seasons. Hit “JOIN” on the Infamous America YouTube homepage. https://www.youtube.com/channel/UCm4V_wVD7N1gEB045t7-V0w/featured   For more details, please visit www.blackbarrelmedia.com. Our social media pages are: @blackbarrelmedia on Facebook and Instagram, and @bbarrelmedia on Twitter. Learn more about your ad choices. Visit megaphone.fm/adchoices

Willie Sutton and a small group of inmates execute an improbable escape from Holmesburg Prison. In the process, Willie cements his legacy as an escape artist. But his notoriety lands him a spot on the FBI's new Ten Most Wanted list. Willie hides in various places in New York and plans his next big robbery, but his time is running out. A young man named Arnold Schuster recognizes the most wanted fugitive in America and makes a fateful report to police. Bring the Arts home with Marquee TV! Sign up at Marquee.tv and receive 3 months for just 99 cents when you use the promo code AMERICA.   Join Black Barrel+ for ad-free episodes and bingeable seasons: blackbarrel.supportingcast.fm/join   Apple users join Black Barrel+ for ad-free episodes, bingeable seasons and bonus episodes. Click the Black Barrel+ banner on Apple to get started with a 3-day free trial.   On YouTube, subscribe to INFAMOUS+ for ad-free episodes and bingeable seasons. Hit “JOIN” on the Infamous America YouTube homepage. https://www.youtube.com/channel/UCm4V_wVD7N1gEB045t7-V0w/featured   For more details, please visit www.blackbarrelmedia.com. Our social media pages are: @blackbarrelmedia on Facebook and Instagram, and @bbarrelmedia on Twitter. Learn more about your ad choices. Visit megaphone.fm/adchoices

Willie Sutton and his crew execute their most dramatic robbery, but the success proves to be short-lived. Willie finds himself a guest of the Pennsylvania prison system and promptly starts scheming ways to break out of Eastern State Penitentiary. He and a group of inmates use a classic escape idea, but it backfires in comical fashion. After Willie is transferred to Holmesburg Prison, he dreams up his most daring escape plan. Bring the Arts home with Marquee TV! Sign up at Marquee.tv and receive 3 months for just 99 cents when you use the promo code AMERICA.   Join Black Barrel+ for ad-free episodes and bingeable seasons: blackbarrel.supportingcast.fm/join   Apple users join Black Barrel+ for ad-free episodes, bingeable seasons and bonus episodes. Click the Black Barrel+ banner on Apple to get started with a 3-day free trial.   On YouTube, subscribe to INFAMOUS+ for ad-free episodes and bingeable seasons. Hit “JOIN” on the Infamous America YouTube homepage. https://www.youtube.com/channel/UCm4V_wVD7N1gEB045t7-V0w/featured   For more details, please visit www.blackbarrelmedia.com. Our social media pages are: @blackbarrelmedia on Facebook and Instagram, and @bbarrelmedia on Twitter. Learn more about your ad choices. Visit megaphone.fm/adchoices

Willie Sutton is back in Sing Sing prison and it doesn't take him long to develop a plan to escape. But when the plan hits an unexpected snag, Willie teams up with a fellow inmate for a new idea that is even more audacious. The second plan works, and Willie restarts his career as a bank robber. Willie targets branches of a bank in Philadelphia and New York and pulls off his most lucrative heist to date. Bring the Arts home with Marquee TV! Sign up at Marquee.tv and receive 3 months for just 99 cents when you use the promo code AMERICA.   Join Black Barrel+ for ad-free episodes and bingeable seasons: blackbarrel.supportingcast.fm/join   Apple users join Black Barrel+ for ad-free episodes, bingeable seasons and bonus episodes. Click the Black Barrel+ banner on Apple to get started with a 3-day free trial.   On YouTube, subscribe to INFAMOUS+ for ad-free episodes and bingeable seasons. Hit “JOIN” on the Infamous America YouTube homepage. https://www.youtube.com/channel/UCm4V_wVD7N1gEB045t7-V0w/featured   For more details, please visit www.blackbarrelmedia.com. Our social media pages are: @blackbarrelmedia on Facebook and Instagram, and @bbarrelmedia on Twitter. Learn more about your ad choices. Visit megaphone.fm/adchoices

Willie Sutton survives his first stint in prison and tries to go straight after his release. But before long, he's back in the bank robbing business. This time, he discovers the perfect strategy to rob a bank with ease and without violence. Willie and his new partner, Marcus Bassett, go on a spree, but all good things come to an end. Bassett's lifestyle leads Willie into a police trap. Bring the Arts home with Marquee TV! Sign up at Marquee.tv and receive 3 months for just 99 cents when you use the promo code AMERICA.   Join Black Barrel+ for ad-free episodes and bingeable seasons: blackbarrel.supportingcast.fm/join   Apple users join Black Barrel+ for ad-free episodes, bingeable seasons and bonus episodes. Click the Black Barrel+ banner on Apple to get started with a 3-day free trial.   On YouTube, subscribe to INFAMOUS+ for ad-free episodes and bingeable seasons. Hit “JOIN” on the Infamous America YouTube homepage. https://www.youtube.com/channel/UCm4V_wVD7N1gEB045t7-V0w/featured   For more details, please visit www.blackbarrelmedia.com. Our social media pages are: @blackbarrelmedia on Facebook and Instagram, and @bbarrelmedia on Twitter. Learn more about your ad choices. Visit megaphone.fm/adchoices

Willie Sutton grows up in a tough Irish neighborhood of Brooklyn, New York where he idolizes the gangsters who run the local docks. At the age of 10, he commits his first serious theft. Future crimes and false accusations force him to go on the run before he joins a gang of professional thieves. When he's 24, he makes his debut as a bank robber. But his first attempt produces less than stellar results. Bring the Arts home with Marquee TV! Sign up at Marquee.tv and receive 3 months for just 99 cents when you use the promo code AMERICA. Join Black Barrel+ for ad-free episodes and bingeable seasons: blackbarrel.supportingcast.fm/join Apple users join Black Barrel+ for ad-free episodes, bingeable seasons and bonus episodes. Click the Black Barrel+ banner on Apple to get started with a 3-day free trial.   On YouTube, subscribe to INFAMOUS+ for ad-free episodes and bingeable seasons. Hit “JOIN” on the Infamous America YouTube homepage. https://www.youtube.com/channel/UCm4V_wVD7N1gEB045t7-V0w/featured   For more details, please visit www.blackbarrelmedia.com. Our social media pages are: @blackbarrelmedia on Facebook and Instagram, and @bbarrelmedia on Twitter. Learn more about your ad choices. Visit megaphone.fm/adchoices

For a full transcript of this episode, click here. We have been spending a bunch of time here on Relentless Health Value talking about PBMs (pharmacy benefit managers) lately and pharmacy benefits, but we are moving into a new topic area. It sort of kicked off three weeks ago with the pod with Rik Renard (EP427) on the importance of care flows if you are a digital health vendor trying to get consistent outcomes. But then I actually went back to the PBM/pharmacy benefits topic to talk with Luke Slindee, PharmD (EP429) and Julie Selesnick (EP428) because, you know, the J&J lawsuit. But now we're back on the “let's talk about digital health and point solutions” bus. I wanted to talk today about the trend to sell to employers and advice for digital health solutions who want to sell to employers, but there's a little bit of advice here for employers themselves. At a minimum, this conversation affords a little bit of transparency to employers about what's going on on the other side of the table. So, as I just said, in this healthcare podcast we talk about selling to employers. Why sell to employers is probably a first question. Well, one reason Barb offers is because that's where the money is. It's like that Willie Sutton quote. Someone asked him why he robbed banks, and he replied, “Because that's where the money is.” I mean, hospitals know this. Have you seen their commercial rates and their multiples over Medicare? Payers know this, too. Payers who use their ability to raise commercial rates as leverage to get lower MA (Medicare Advantage) rates for themselves … they know this. So, yeah. Why wouldn't a point solution entrepreneur take a page out of that business model? It's saying the quiet part out loud, but … yeah, I guess it's good to know when you're the numero uno healthcare industry sugar daddy (or sugar mommy, as the case may be). Every employer listening right now has already opened up their phone and started an email to me. Barb gets into four pieces of advice for entrepreneurs looking to sell to employers: 1. There has to be a market that has a need for what you are selling, and there won't be a market with a need unless the problem you're solving for is big enough—and right now, I am recapping things that Barb says on the show—because when she talks about whether the problem is big enough, she means as per the employer and maybe because the fallout from that big problem accrues to the employer in a way that the employer fully appreciates. As I say in the pod that follows, the ground is littered with entrepreneurs, often really smart people who oftentimes I truly admire. These are individuals who found a problem for patients (or sometimes even clinicians) and solved for it and then discovered that no one will pay them for whatever they've done, because we can't forget that, in the healthcare industry, one person's waste is somebody else's profit. There is show after show here at Relentless Health Value that showcases the sacred honeypots where these perverse incentives lie, so if you are an entrepreneur, please follow the dollar and see where it leads before getting too far. That would be my advice. I'd recommend the show with Rob Andrews (EP415) and the one with Jodilyn Owen (EP421) as a great place to start. One comment about the whole “it's gotta be a need that employers appreciate” point that Barb makes which caught my ear, she rhetorically asks, “Should HR purchasers be buying solutions that improve health and well-being?” And the short answer is no. Barb says none of that should be the primary driver. The primary driver, Barb mentions, should be about optimization of human capital to drive business outcomes. She says every decision a business makes should be about maximizing business outcomes. Now, I could take this a bunch of different ways; and viscerally it has, again, kind of a “quiet part out loud” vibe. But in certain ways, it also means buying decisions should be bigger than just cutting costs. First of all, no one is arguing here that cutting wasteful spending isn't always a good thing; but neither are cost-containment strategies that undermine employee health to the extent that they can't complete their work role or their job. Listen to the show with Nina Lathia, RPh, MSc, PhD (EP426) for more on this cost containment versus value-based purchasing, specifically in the pharmacy benefit space, but same rules apply pretty much everywhere. 2. Be truly differentiated in terms of what you're trying to sell. Barb gives a bunch of examples of “secret sauces” she thinks are kind of compelling right now. 3. Navigate the internal politics of the employer. And this is kind of Selling 101, but find a champion and help them navigate their own organization. We talk at length about how long the sell process can take, especially in some of these jumbo employers. 4. Manage your investors as closely as you manage your possible clients. And this is an interesting point that also comes up in the conversation with Kate Wolin, ScD, that's coming up in a few weeks. Also in this conversation, we have a sidebar about PMPM (per member per month) and performance guarantees and just some nuances about how to get paid. Oh, and one last point here: If you are an entrepreneur who is thinking about selling to brokers, employee benefit consultants, or practice leads, do listen to the show with AJ Loiacono (EP379), which I encored a couple of weeks ago. My guest today, Barbara Wachsman, has had experience in every single element of the healthcare ecosystem. She has worked in public health. She's worked for an HMO. She's worked for a hospital system. She's run benefit consulting practices and also spent the last dozen or so years at Disney running strategy and benefits. Today she is a limited partner in several private equity funds at Frazier Healthcare Partners. Oh, and hey, you might want to subscribe to our weekly email, which includes this introduction transcribed as well as links to the full episode transcribed. We also sometimes send out invitations to Zoom meetups and other ways to get involved or support us in our quest to get Americans better healthcare. So, go to relentlesshealthvalue.com and get yourself on that list Also mentioned in this episode are Rik Renard; Luke Slindee, PharmD; Julie Selesnick; Rob Andrews; Jodilyn Owen; Nina Lathia, RPh, MSc, PhD; Kate Wolin; AJ Loiacono; Elizabeth Mitchell; David Claud, MD, PhD; Al Lewis; Kenny Cole, MD; and Cora Opsahl.   You can learn more at Frazier Healthcare Partners. You can also follow Barbara on LinkedIn.   Barbara E. Wachsman, MPH, is the former director of strategy and engagement for enterprise benefits for the Walt Disney Company. In this position, she led the strategic initiatives and designed the programs that addressed Disney's long-term healthcare and goals and objectives, headed operations of large on-site clinics and full-risk physician partnerships, and was the creator of the Strategy Lab, the home for innovation in healthcare delivery. She is a speaker on the national stage regarding direct contracting and the value of primary care. Barbara currently serves as a senior advisor to an $8 billion growth-buyout private equity firm specializing in healthcare and as head of employer strategy for a virtual primary care company with a unique medical practice model. She sits on the Boards of the Duke-Margolis Center for Health Policy Institute and the QueensCare Foundation, serving the low-income and underserved population of Los Angeles. She remains a senior advisor and founding member of the Employer Healthcare Innovation Roundtable (EHIR) and is a faculty member of the EHIR Academy. Barbara serves on the Executive Committee of the American Board of Medical Specialties and on the Advisory Boards of several healthcare start-ups as well as the corporate board of a large metabolic health company. She is also an advisor to the Purchaser Business Group on Health and to the Silicon Valley Employers Forum. Barbara received her Master of Public Health and Master of City Planning/Architecture degrees from the University of California, Berkeley, and is a Phi Beta Kappa graduate of Scripps College, where she received her bachelor of arts degree.   06:55 Why have people cottoned on to selling to employers, and is it a good direction to focus? 07:28 What are the three ways healthcare gets paid for in America? 07:46 Where is the profit in the healthcare system? 08:32 What does an entrepreneur really need to understand in order to sell to employers? 13:05 “It really is about producing a productive employee.” 17:49 Why it's not enough to understand the market but you must also differentiate. 21:01 What's the biggest misunderstanding entrepreneurs have about per member per month? 24:10 What companies are standing out right now as differentiators? 28:02 Why is it important to also show that you are improving quality? 28:51 EP331 with Al Lewis. 28:55 EP427 with Rik Renard. 29:33 EP372 with Cora Opsahl. 30:07 Why is it important to find a strong champion who will advocate for you as a partner? 35:05 Why is it important to manage your investors and set appropriate expectations around the timeline of a sale? 36:21 What's the lesson to be learned behind Livongo?   You can learn more at Frazier Healthcare Partners. You can also follow Barbara on LinkedIn.   Barbara Wachsman discusses #digitalhealthvendors selling to #employers on our #healthcarepodcast. #healthcare #podcast #digitalhealth #healthcareleadership #healthcaretransformation #healthcareinnovation   Recent past interviews: Click a guest's name for their latest RHV episode! Luke Slindee, Julie Selesnick, Rik Renard, AJ Loiacono (Encore! EP379), Nina Lathia, Marshall Allen, Stacey Richter (INBW39), Peter Hayes, Joey Dizenhouse, Benjamin Jolley

He dressed in disguises as he robbed banks for many years. Sutton also went by the nickname "Actor."

When asked why he robbed banks, Willie Sutton simply replied, “Because that's where the money is.” The same might be said for JobIndex's lawsuit against Google for copyright infringement, claiming the world's most popular search engine is taking their content and publishing it to Google for Jobs without permission. Anyway, the boys dig into this claim and voices, tempers and hilarious soundbites commence. But wait, that's not all. They also dig into cover letters and why AI either does or doesn't make a bit of difference. (Spoiler alert: There's a story about a perfume-drenched CV.) Then ending on a high note, it's Who'd Ya' Rather with CareerFairy and Mintago.

When asked why he robbed banks, Willie Sutton simply replied, “Because that's where the money is.” The same might be said for JobIndex's lawsuit against Google for copyright infringement, claiming the world's most popular search engine is taking their content and publishing it to Google for Jobs without permission. Anyway, the boys dig into this claim and voices, tempers and hilarious soundbites commence. But wait, that's not all. They also dig into cover letters and why AI either does or doesn't make a bit of difference. (Spoiler alert: There's a story about a perfume-drenched CV.) Then ending on a high note, it's Who'd Ya' Rather with CareerFairy and Mintago.

Some Friday levity, because if you don't laugh at an unmanned, 100million dollar military aircraft crashing without any explanation - you'll have to cry or get angry. That's why we thank a local man in South Carolina for his description of the event to his local news. Lt. General Keith Kellogg explains what he thinks of the ordeal, as well as Ukraine's visit to the US this week as we pledge even more money. The Republicans in the House are appropriately fighting over the defense spending bill. Taylor Swift has successfully nabbed thousands of new voters. John Fetterman continues to make the pitty play to distract from Democrat destruction. And author Will Witt joins Stigall to answer why young men seem to be looking elsewhere instead of leading today in his new book "Do Not Comply: Taking Power Back From America's Corrupt Elite." - For more info visit the official website: https://chrisstigall.com Instagram: https://www.instagram.com/chrisstigallshow/ Twitter: https://twitter.com/ChrisStigall Facebook: https://www.facebook.com/chris.stigall/ Listen on Spotify: https://tinyurl.com/StigallPod Listen on Apple Podcasts: https://bit.ly/StigallShowSee omnystudio.com/listener for privacy information.

In this week's episode, Dave and Paul are doing their own take on “Are You Smarter Than a 5th Grader?” but with an IBC twist. They'll be testing each other's knowledge, as well as your own! From basic questions like “Is life insurance an investment?” and how fractionalized banking works – to more complex topics like “Parkinson's Law”, your IBC know-how will be tested!If you think that you're ready to become your own banker – make sure you can clear this gauntlet first!Becoming Your Own Banker by R Nelson NashHow Privatized Banking Really WorksEpisode Highlights:0:00 - Introduction0:27 - Episode beginning4:08 - Is life insurance an investment?6:03 - What is the most profitable business in the world6:52 - Does IBC focus on rates of return?10:02 - Banking is a…. Whole life insurance is a…11:23 - Does IBC require short range or long-range thinking?13:15 - What does “don't steal the peas” refer to?18:05 - How much interest do you lose on your average dollar?19:15 - Creating “new money”22:24 - When you buy something with cash are you financing that purchase?23:23 - What type of life insurance company should you use?23:56 - What are dividends?25:07 - If the cash value grows tax deferred, how can you access it tax free?26:40 - What is “Parkinson's Law?”28:45 - Willie Sutton's Law29:37 - “The Golden Rule”30:41 - Should you treat IBC like any other insurance?32:51 - What is the process to actually becoming your own banker?34:20 - Wrap-upABOUT YOUR HOSTS:David Befort and Paul Fugere are the hosts of the Wealth Warehouse Podcast. David is the Founder/CEO of Max Performance Financial. He founded the company with the mission of educating people on the truths about money. David's mission is to show you how you can control your own money, earn guarantees, grow it tax-free, and maintain penalty-free access to it to leverage for opportunities that will provide passive income for the rest of your life. Paul, on the other hand, is an Active Duty U.S. Army officer who graduated from Norwich University in 2002 with a B.A. in History and again in 2012 with a MA in Diplomacy and International Terrorism. Paul met his wife Tammy at Norwich. As a family, they enjoy boating, traveling, sports, hunting, automobiles, and are self-proclaimed food people. Catch up with David and Paul, visit the links below! Website: https://infinitebanking.org/agents/Fugere494 https://infinitebanking.org/agents/Befort399 LinkedIn: https://www.linkedin.com/in/david-a-befort-jr-09663972/

On today's episode, Darren and Christina dive into part 2 of breaking down R. Nelson Nash's book “Becoming Your Own Banker”. Specifically, they highlight the different human problems there are when it comes to investing in yourself properly. A quick tip from the wise: never stop learning! Tune in now. Show notes: 00:00 - Introduction 1:45 - Breaking down Parkinson's Law 7:05 - Breaking down Willie Sutton's Law 12:35 - The Golden Rule 15:30 - The Arrival Syndrome 19:05 - Use it or lose it TAKE CONTROL OF YOUR MONEY NOW: https://www.controlandcompound.com/contact-us FIND US ON: INSTAGRAM: https://www.instagram.com/controlandcompound/ TIKTOK: https://www.tiktok.com/@controlandcompound?lang=en FACEBOOK: https://www.facebook.com/controlandcompound JOIN OUR FACEBOOK COMMUNITY: https://www.facebook.com/groups/controlandcompound

In this episode the team ponders the idea of taking a tax exemption vs getting multiple uses of every dollar. The thinking exercise focuses on 529's and HSA's. Everett will expound upon Willie Sutton's law from Nelson's book and use this as a reference when contemplating these tax exceptions. Put that all together and you […] The post Take a tax break? Or get multiple uses of your dollar? appeared first on Life Success Legacy.

In part 8 of the "Becoming Your Own Banker" series, we dive deep into how to save taxes by implementing the Infinite Banking Concept in your financial life. https://www.youtube.com/watch?v=SNusw15mzyM During our discussion, we dig into the concepts of legal plunder, taxation, and the triple tax advantage of whole life insurance. We also share an enlightening live Q&A session on financial concerns, emphasizing the importance of asking questions and modeling successful behaviors. Nelson Nash was a master at getting people to think and develop a growth mindset; we invite you to join us as we unpack his wisdom and learn together. Don't miss this episode, as we share valuable insights on money, human nature, and the world around us, inspired by Nelson Nash's incredible book, Becoming Your Own Banker.  Join us as we show you how you can use dividend-paying whole life insurance to keep more of your money working for you and continue the conversation about the Infinite Banking Concept through Nelson Nash's book, "Becoming Your Own Banker," today! Parkinson's LawWillie Sutton's LawTax Confusion and ManipulationHow to Save Taxes?Whole Life Insurance is Tax-AdvantagedBook A Strategy Call Parkinson's Law Parkinson's Law, which Nelson mentions in his book, suggests that it's in our human nature to spend everything we make. It's something that every single person struggles with—even our team. And it takes a daily, conscious effort not to spend.  But one of the great benefits of IBC is that you have a place to store your savings that feels like a bill–your premiums. This mechanic alone can help you to overcome Parkinson's law and save more money, though you'll still have to work on it in your daily life.  Willie Sutton's Law In Nelson's book, Becoming Your Own Banker, he also mentions Willie Sutton's Law. This is the law that whenever you have capital, someone is going to want to steal it. This could be a person in your life, but it also pertains to institutions: the IRS, creditors, fees, and much more.  There's an Aesop fable that describes this beautifully. A colony of ants worked hard all summer to build up their food stores, while the grasshopper scoffed at any hard work. But when winter rolled around, the ants were happy, and the grasshopper was not—he didn't have anything to eat. So he sought to steal from the ants.  The government isn't labor-producing, and so they steal from working people by way of taxation. This may be controversial, but Nelson even says that the biggest thief in the world is the IRS.  [20:43] “If the law takes from some people what belongs to them and gives it to other people to whom it doesn't belong, the definition of that is theft or legal plunder.” Tax Confusion and Manipulation Over the years, plans and products have popped up as a proposed solution to taxation. A 401k and Roth IRA are examples of this. The problem is that the government is responsible for that taxation in the first place. And it seems to be that they're setting things up so that they always benefit.  [30:20] “If you have a problem of government taxation, and the government is creating the solution to the problem that we have, how can we trust that the… entity that is creating the problem is also creating a solution that really is in our best interest?” The answer is, you can't fully trust the solution provided by the government, because they created the problem. And in the end, you still pay taxes when you opt into a qualified plan. The question just becomes when, and qualified plans ensure that you just pay them later. How to Save Taxes? So if taxation is inevitable in some ways, how do you come out on top? The solution is to take control whenever possible. And one way to do that is to stop storing your cash in banks and government-run products. Infinite Banking helps you preserve as much wealth as possible.  [32:13] “This whole idea of Infinite Banking is a powerful solut...

In this episode we address the saying of “Make Out Like Bandits”. We all must contend with the natural human problem of Willie Sutton's Law. This law states that wherever wealth resides someone will try and steal it. Instead of letting others make out like bandits off of us, let's become our own bankers and enjoy our own profitability fully. If you have any topics you'd like to see covered, if you have any questions concerning this video or another or if you would like to request a webinar meeting to personally discuss how you can practice the Infinite Banking Concept as described in R. Nelson Nash's book Becoming Your Own Banker, please contact us at: https://linktr.ee/durhamtalents Email: durhamtalents@gmail.com Phone: 828-817-4223 All content on this channel is for informational purposes only. Please contact your own Attorney, Financial Planner, Tax Consultant, or other appropriate professional as necessary.

The thrilling conclusion to the story of gentleman bank robber, Slick Willie Sutton. If you are loving the episodes that Bag of Bones brings you every week, please consider helping this podcast and its traveling author by supporting our sponsors. Just click the links and share your support! And thank you from Bag of Bones and Elizabeth Bourgeret!    For bonus content and support for the podcast: https://www.patreon.com/user?u=85885038  Lume: https://www.tkqlhce.com/click-100428712-14330755?sid=bones  Seed Time: https://seedtime.us/jkmel4ukl4tonac09iap-5fs?ref=elizabeth86  Get started with a FREE Garden Planner and when you use this link, you'll also get $5 of free seeds! Get to planting!  #bagofbonespodcast #elizabethbourgeret  For more content visit: https://www.elizabethbourgeret.com/beyond-the-bones-blog  To get in touch with Elizabeth: www.elizabethbourgeret.com/contact 

Four things you should know about Slick Willie Sutton: He had a forty-year robbery career He stole an estimated $2 million He spent more than half of his adult life in prison and He escaped from prison three times … but what an adventure. If you are loving the episodes that Bag of Bones brings you every week, please consider helping this podcast and it's traveling author by supporting our sponsors. Just click the links and share your support! And thank you from Bag of Bones and Elizabeth Bourgeret!    Lume- https://www.tkqlhce.com/click-100428712-14330755?sid=bones  #bagofbonespodcast #elizabethbourgeret  For more content visit: https://www.elizabethbourgeret.com/beyond-the-bones-blog  To get in touch with Elizabeth: www.elizabethbourgeret.com/contact  For bonus content and support for the podcast: https://www.patreon.com/user?u=85885038 

This week is part 2 of the human obstacles of the Infinite Banking Concept. Anthony and Cameron continue the theme of it all starts by the way that you think by discussing Willie Sutton's Law and The Golden Rule. This Golden Rule is NOT the one you grew up with and is going to help you achieve your financial goals. Enjoy this week's episode!  What you will learn: 1.What is Willie Sutton's Law 2.The Golden Rule – not what you're thinking Part 1: https://youtu.be/pmNlk1TArag    Resources:  Schedule your 15-minute call with Anthony or Cameron here: http://bit.ly/iwc15podcast Check our online course at www.InfiniteWealthCourse.com Buy Becoming Your Own Banker by R. Nelson Nash http://bit.ly/BYOBbookIWC   

In this Series we will be studying, subject by subject, the concepts within the original source material for “Unlocking the Infinite Banking Concept” in R. Nelson Nash's book, Becoming Your Own Banker. This episode covers the 2nd Human Problem in Part II of the book: Willie Sutton's Law. This law states that “wherever wealth is accumulated someone will try to steal it”. This law necessitates that we consider private contracting, the Law, dividend-paying whole life insurance with a mutual company, taxation, government, conventional banks and more. Use your imagination, reason, logic and consider these concepts. If you have any topics you'd like to see covered, if you have any questions concerning this video or another or if you would like to request a webinar meeting to personally discuss how you can practice the Infinite Banking Concept as described in R. Nelson Nash's book Becoming Your Own Banker, please contact us at: https://linktr.ee/durhamtalents Email: durhamtalents@gmail.com Phone: 828-817-4223 All content on this channel is for informational purposes only. Please contact your own Attorney, Financial Planner, Tax Consultant, or other appropriate professional as necessary.

Lock, Tone and Dan discuss the life Notorious bank robber Willie Sutton --- Send in a voice message: https://anchor.fm/badguy-lock/message

Lock, Tone and Dan discuss the life of New York armed robber Willie "Slick Willie" Sutton --- Send in a voice message: https://anchor.fm/badguy-lock/message

Guy meets girl. Guy loses girl. Guy learns to rob banks. Guy robs banks. Guy likes to look fly. Guy gets arrested. Guy escapes prison. Guy gets caught again. Guy writes memoirs. Guy inspires generations of medical students to better diagnose patients? See omnystudio.com/listener for privacy information.

When asked why he robbed banks, Willie Sutton answered, "That's where the money is." Do you know where the money is for your product or service? How do you gain access to contracts (or sub-contracts) in the wide world of procurement? I'll be talking with Marjorie Perry about Finding the Money. Marjorie Perry is President & CEO of MZM Construction & Management, a full-service construction management and transportation company serving a wide variety of clients from small companies to Fortune 500 companies, government agencies, nonprofits, educational institutions, and many others. She has over 27 years of construction management experience and has developed a reputation for completing quality projects on time and on budget for other clients. Marjorie was awarded the 2020 WBE Award of Excellence, acknowledging her leadership, dedication, and exceptional service. https://www.linkedin.com/in/marjorie-... Every Tuesday evening on Leadership LIVE @ 8:05! - Talking Small Business, your host Andrew Frazier is joined by experienced entrepreneurs and business owners who share their secrets to success via Livestream. You will learn about developing your business leadership skills from our roster of high-performing guest experts. Leadership LIVE is one of the many valuable resources provided through the Small Business Pro University empowering business owners to learn, profit, and grow. https://www.sbprou.com/

 Steve Bone, a longtime fintech executive, has been given the big chair at Ongoing Operations - aka OGO - and now he is running the CUSO's efforts in providing credit unions with Business Continuity Planning (BCP), Disaster Recovery, Information Security and more.Bone is just a few weeks in the job - taking over from Kirk Drake (hear his recent podcast here) -- and he is full of optimistic ideas, from leading a shift to the cloud to helping small credit unions, even $100 million institutions and smaller, get world class information security services. That last is important as cyber criminals - including many abroad working in tandem with their governments - increasingly are targeting smaller FIs because most have porous security and, as Willie Sutton said, that's where the money is.OGO customers of course want to hear this show but so do just about all credit unions because Bone here outlines a lot of the pressing, critical IT issues credit unions face.  Listen up.Like what you are hearing? Find out how you can help sponsor this podcast here. Very affordable sponsorship packages are available. Email rjmcgarvey@gmail.comAnd like this podcast on whatever service you use to stream it. That matters.You probably know Drake is also CEO of CU 2.0.Find out more about CU2.0 and the digital transformation of credit unions here. It's a journey every credit union needs to take. Pronto

Wade is joined again by a colleague and fellow IBC Practitioner, Nicole Tate to continue their discussion (chapter by chapter) of Becoming Your Own Banker by R. Nelson Nash. This episode focuses on The Willie Sutton Rule, which states that one's first choice should be to choose the most obvious route. Named after bank robber William Sutton, the rule applies to investors in that they should most often seek out low-hanging fruit first, before trying more obscure strategies. Interested? Listen in to learn more! Highlights Who the biggest thief is How to know what the value of a business is Where should people put their money: In a savings account or a retirement savings account? What is stopping you from taking action Why Nelson believes that the use of a dividend-paying whole life insurance policy is a solution How you can win by default Episode Resources Becoming Your Own Banker by R. Nelson Nash Connect with Wade Borth https://www.sagewealthstrategy.com/ wade@sagewealthstrategy.com 

Wade is joined again by a colleague and fellow IBC Practitioner, Nicole Tate, to continue their discussion (chapter by chapter) of Becoming Your Own Banker by R. Nelson Nash. In this episode, they tackle the human problem and Parkinson's Law. What is Parkinson's Law? Parkinson's Law is the old adage that work expands to fill the time allotted for its completion. Interested? Listen in to learn more! Highlights The topics for today's episode How you can grow in your knowledge The four steps of solving a problem How control leads to freedom When you should start capitalizing on your banking system What stops many people from building wealth and creating something bigger and better What's the better approach to bringing luxury into your life Who Willie Sutton is and what Willie Sutton's law is all about Episode Resources Becoming Your Own Banker by R. Nelson Nash Connect with Wade Borth https://www.sagewealthstrategy.com/ wade@sagewealthstrategy.com 

May 31, 1953 - Jack Benny listens to the Indianapolis 500 race on the radio. References include jailbreaker Willie Sutton, actors Jimmy Stewart, Mickey Rooney, Humphrey Bogart and George Montomery (Fort Ti 3D), director Mervyn LeRoy (Quo Vatis), and the catchphrase from the Jackie Gleason show's The Homeymooners "One of these Days...pow! Right in the kisser."

Say, "NO" to groomers! This episode airs Sunday, 4/24 at 7 a.m. ET!

Pennsylvania's Eastern State Penitentiary has a rich and fascinating history. Built in the 1820s as a place to reform criminals, it saw an increase in violence over the decades before finally closing in 1971 as a working prison. It now operates as a history museum. Among the more notorious inmates was Willie Sutton, who was involved in the most famous escape in the prison's history, and Al Capone. My guest is historian Paul Kahan, author of "Eastern State Penitentiary: A History". He talks about the prison's history and explains the current museum's more nuanced approach towards the topic of incarceration. More information about him and his work can be found here: https://www.paulkahan.com/

This week Johnboy tells the lads about the gentlemanly bank robber Willie Sutton, famed for his 3 maximum security prison escapes, numerous bank robberies totalling millions of dollars and a quote he never actually said! Plus, major league sports teams with players that never existed! Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, we hit two more chapters of Becoming Your Own Banker and talk about Parkinson's Law: expenses rise to meet income, and a luxury once enjoyed becomes a necessity. Also, we visit about where the money sits and who is wanting to steal it. Audio Production by Podsworth Media.

Historia del ladrón verdadero el cual se basa la serie #Lacasadepapel realizó 100 atracos sin disparar un arma. ¿Cómo lo logró? #porquehashtagunsolved

“We investigate crimes that lead to people, we don't just investigate people,” Giuliani added. “That happens in a dictatorship, and don't tell me we're not headed in that direction. We're headed in the direction of a socialist dictatorship.” Our guests are: Rudy Giuliani, Nigel Farage, Mark Lamb Stay ahead of the censors - Join us warroom.org/join Aired On: 05/26/2021 Watch: On the Web: http://www.warroomorg.wpengine.com On Podcast: http://warroom.ctcin.bio On TV: PlutoTV Channel 240, Dish Channel 219, Roku, Apple TV, FireTV or on https://AmericasVoice.news. #news #politics #realnews

“We investigate crimes that lead to people, we don’t just investigate people,” Giuliani added. “That happens in a dictatorship, and don’t tell me we’re not headed in that direction. We’re headed in the direction of a socialist dictatorship.” Our guests are: Rudy Giuliani, Nigel Farage, Mark Lamb Stay ahead of the censors - Join us warroom.org/join Aired On: 05/26/2021 Watch: On the Web: http://www.warroomorg.wpengine.com On Podcast: http://warroom.ctcin.bio On TV: PlutoTV Channel 240, Dish Channel 219, Roku, Apple TV, FireTV or on https://AmericasVoice.news. #news #politics #realnews

Haber sido un gran ladrón de bancos y el fugitivo más buscado de Norteamérica, hicieron de Willie Sutton uno de los ejemplos más representativos

Today’s quote is from bank robber Willie Sutton, known for his gentlemanly manner and for escaping jail multiple times. His crimes eventually earned him a spot on the FBI’s most wanted list. Learn more about your ad choices. Visit megaphone.fm/adchoices

If you're like most people, once a month or so you take a look at your credit-card statement and your bills. If you're paying out more each month than your income, you have trouble sleeping at night. Then you hear about people who are celebrities in our society because of the amount of money they make with their earth-shattering businesses - like Amazon, Tesla, Uber, and Spotify. Amazon lost billions of dollars a year, for years, before it became profitable. Tesla is barely profitable today. And Uber and Spotify are losing millions every month. But apparently the people who run these companies don't have any problem sleeping at night. And shareholders and investors continue to believe in them in a way that your credit card company doesn't believe in you. What's going on here is not injustice. It's not “One law for the rich and another for the poor.” What is going on here is all about a relationship. Our relationship to money. I'm not suggesting that you can just change your perspective about money and you'll miraculously make more of it like Jeff Bezos. But what I am saying is, if you know where to get money, a whole new world of business and a chance to make money opens up to you. So, where do you get money? Well, you may have heard of the infamous bank robber Willie Sutton, who explained why he robbed banks by saying, “That's where the money is.” And he's right. Locally, you don't need to rob Hancock Whitney Bank to get a hold of their money. They're primarily focused on giving it to you. You do, at some point, have to give it back, but the theory is that if they make it easy for you to access capital, you'll make enough to pay them back and make plenty for yourself too. Because Hancock Whitney is a sponsor of Out to Lunch, we're taking advantage of that relationship today by having Billy Hoffman join us. Billy is Senior Vice President of Corporate Banking at Hancock Whitney. When you think about business investment, you probably think about cities. Cities are where the money is. That's where you find employees. And that's where the concentrations of customers are. But, the reality is, 97% of the landmass of the United States is rural.  Now check this out. 80% of our population lives in the 3% of the country that is not rural. If you're one of the 20% of the population who lives in the vastness of rural America, you need access to the same services and amenities as your counterparts in the city. Things like broadband. And capital to start and run a business. And that's what Caitlin Cain provides as Vice President & Director of Rural America at an organization called Local Initiative Support Corporation, or LISC. LISC is one of the largest lenders in the US. They also invest money. They're the first real estate investment fund to specialize in affordable housing. And they give money away as grants. Caitlin runs the rural division of LISC from her office in New Orleans. We learn in this conversation that your relationship to money can determine your opportunity to take risks that, if managed correctly, will make money. Having access to capital and credit is the lifeblood of American business and our economy. Billy Hoffman and Caitlin Cain demonstrate that access is not just for the privileged few, or people with a business background. Investment capital is accessible and has a human face.  See photos from this show by Jill Lafleur at our website. Check out Caitlin's previous appearance on Out to Lunch alongside The Cajun Ninja. See omnystudio.com/listener for privacy information.

In this episode Mike and Chris dive into Willie Sutton’s Law. Nelson had a lot of well thought out opinions on things. So why does he follow up the Human Problems with a chapter about a notorious bank robber? Well, I will steal from Nelson (via Willie), “Wherever wealth is accumulated someone will try to […] The post Willie Sutton’s Law – BYOB #16 appeared first on Life Success Legacy.

About Sam Sugar: Dr. Sugar is a medical doctor and a founder and president of Americans Against Abuse of Probate Guardianships, AAAPG, an organization designed to expose the corruption of the nation's guardianship systems. Dr. Sugar received his medical degree from the Abraham Lincoln College of Medicine at the University of Illinois, Chicago. He achieved certification as a specialist in internal medicine from the American Board of Internal Medicine and was distinguished as a fellow of the American College of Physicians. He has served as a director for managed care at Evanston, Northwestern Healthcare, and is taught at both Northwestern University's Feinberg School of Medicine and the Chicago Medical School. In 2014, after experiencing the horrors of guardianship firsthand, Dr. Sugar created Americans Against Abuse of Probate Guardianships. In this episode, Steve and Sam Sugar discuss:1. What was the horror of guardianship that you experienced firsthand?When we discovered that this guardianship process had been subverted to a racket, basically a very profitable racket for the entire for-profit guardianship industry, which includes the court insiders, the judge, the lawyers, the guardians, and an army of people downstream who profit from it, by virtue of straw man sales, underhanded kickbacks, and the like. It's a gigantic industry, it's enormously profitable and the people in it will do anything to keep it going.2. Was that the driving force for you to create the Americans Against Abuse of Probate Guardianship?In the midst of the early portion of this ordeal, my wife and I kind of came to the conclusion, we're just really unlucky, this probably only happened to us. There are probably no other people in the world that could have the bad luck to run into a judge like that, lawyers like that, and horrible people in that system. I was invited out of the blue to attend a political breakfast for someone who was running for the school board where I lived and it was a free breakfast so I went. While I was there, I raised my hand and I said, “Do you have a position on probate guardianship,” which, in retrospect, was a crazy question to ask, But he answered it as best he could. And then I was stopped afterward by another woman, who said, “Why did you ask about that?” One thing led to another and we discovered that the two of us were involved in that. Then two became four and four became eight and now it's about 1000 families, not individuals, families, who are on our website, mailing list, and social media. 3. Is this unique to just the retirement states of the country such as Florida, Arizona, California, and Nevada?Well, it's certainly present in every state to a varying degree and I will tell you, much to my surprise, Over the years, the absolute worst state in the country, which is saying a lot, is Michigan, of all places. Their system is absolutely breathtakingly corrupt, everybody knows it, and nobody's willing to do anything about it. Over the years, our work has spawned an advocacy group in Michigan, which is really very well populated, very active, and getting great results called The Voice run by one of our advocates. 4. Can you tell our injured senior community a little little bit about what guardianship is?Guardianship is a legal process by which a court can remove the rights of someone who hasn't broken the law, or done anything wrong. Someone can be alleged, usually by a lawyer, to be in need of protection from abuse, neglect, and exploitation. Usually, the lawyer brings an allegation, an unsubstantiated or unverified unsworn, just one lawyer talking, saying, “Your Honor, there's someone in our community in your jurisdiction, who may be being abused, neglected or exploited,” period. That's the magic sentence. At that point, the judge has the ability and the initiative to appoint what's called a substitute decision-maker. That is an individual who ultimately will be given what's called letters of guardianship, at which point that guardian has wards and a ward needs a guardian. So that's what you call a person who's in the situation, either an allegedly incapacitated ward. The guardian then owns that person and I want to say that again, for emphasis a ward is the property of his or her guardian, and the guardian can do pretty much whatever they want to do, as long as they have a court order with that person, that's a guardian of the person, or with their money that's a guardian of the estate, or both. 5.  Is there a distinction between kinds of guardians?There's a huge distinction between professional, and family guardianships. Family guardianships do constitute the great majority of guardianships in the country. In the last 30 years or so, there has arisen an entire group, a class of what's called professional for-profit guardians. Why are there so many professional guardians? In Florida, I'm talking about now, because nobody knows. The answer is like what Willie Sutton said, “that's where the money is.” Not only do we not know how many professional guardians there are in the United States, but we also don't even know how many Guardianships there are in the United States. The best guess, by the GAO is somewhere between a million and a half and 4 million in Florida, where the numbers have been provided to us by one of the premier clerks of court, who actually surveyed all 57 clerks of court in Florida. There are somewhere between 50 and 65,000 active Guardianships today in Florida, and they're being created at a rate of between seven and 8000 new ones a year.6. Are all these 55 60,000 guardianships in Florida? I wish I could give you those numbers, but because court records for guardianships are considered mental health issues. The court records are typically sequestered, meaning that people like us can't research these numbers. Although they do exist. The Department of Elderly Affairs knows all this information but is constitutionally forbidden to share it. So this is a system and a business that generates many billions of dollars a year for its “perpetrators” if you want to use that clause. If you have the ability to be recognized by the court as a professional guardian. People ask what does it take? I thought that's a great job. What do I need to do? Do I have to have a graduate degree? Do I need certification? Well, the answer is no. Here are the requirements generally speaking to be a guardian and in Florida. Ready? Yep, got to be a team. You got to have to have a high school diploma, a GED is good enough. You can't have had a conviction for a criminal offense for felony. Parking tickets are okay and you have to complete a course that's supposed to be 40 hours long, but can be completed in a weekend at a junior college. If you pay a few bucks, then all you have to do is submit your application and not lie about previous bankruptcies, which we've seen done repeatedly, and boom, you are a guardian. In order to become a professional guardian and recognized as such, you have to have been appointed at least three wards.7. Once someone gets certified, what is the level of regulation or oversight by the state?Part of the problem was to an abject failure of monitoring and supervision of not only guardianships, not only the lawyers but the judges and even though Florida statute and statutes in every state really provide a mechanism for supposed oversight over the courts and these guardianships, we realized that the laws were insufficient, and we went down to our state capitol in Tallahassee, and we were successful two years in a row to change the statute 744, to include more monitoring, oversight, supervision, and to create a new agency called the Office of Public and Professional Guardians, the OPPG, and those pieces of legislation were accepted unanimously. Ultimately, there was applause in the chamber of the legislature, the combined legislature. If you ask me now, five years or four years later, what difference they've made? The answer is zero. 8. What are some ways that individuals can prevent becoming award of a guardian and also the families, what they can do to prevent a guardianship?In the first place, make sure you have valid and recent advanced directives. Advanced directives are two types of documents. One is a durable power of attorney for your financial matters and the other one is a healthcare power of attorney. To determine who you want to make medical decisions for you at a time where you can't, those have to be perfect. Most importantly, in your durable power of attorney, there must be a clause that says something like, “I specifically prohibit any court, or any other governmental entity from appointing for me, any professional guardian, at any time, for any reason, in perpetuity” because if you don't have that, in your advanced directives, I've seen one case where a judge has said, you know, “I'm looking at these advanced directives, and it doesn't say anything about I shouldn't appoint a guardian. So I will.” You need to make sure that those advanced directives are easily available and retrievable by people you trust, you can't hide them in a safe, because when you need them, they won't be able to be found. That's the first thing. The second thing is the hard part, solve your family disputes, I cannot tell you how important that is. If you've got family members, even a distant aunt or uncle or cousin or niece or nephew, they can start this process even if they haven't seen you for 10 years, if they're what's called interested parties. Heal your wounds, heal your divisions and lessen the likelihood that somebody is going to go after you when you're at your weakest.9. What is really the reality of how these are actually becoming guardianships?The really sad reality that strikes me is that the very institutions and people that are supposed to be assisting those who are in need possibly are where the worst guardianship abuses take place. For example, hospitals, a large number of hospitals, hospitalized individuals, who maybe broke their hip had a heart attack had a stroke, on dialysis, is visited by friendly social workers, or other hospital staff who are concerned, “gosh, this person hasn't had a visitor in a day or two. They must be all alone. They must need help and I must need the bounty that I'll collect by reporting it to a lawyer.” That happens a lot. These guardians hang out and can be found in senior centers, in doctors offices, in clinics, in daycare centers, in dialysis centers, anywhere where an elderly frail person can be found. You will find individuals complicit in this corruption, including doctors, nurses, social workers, ER technicians, therapists because disgustingly there are bounties for referring them. So are they solicited by these professional guardians? I can't prove that, but I strongly suspect it. Okay. Not just the guardians, but their attorneys as well.10. Are their family lawyers also part of this whole scheme?No, actually, one has to understand who the lawyers and probate really are and there are two distinct classes of Estate Attorneys and probate attorneys. The first is your garden variety estate attorney, whose primary job is to create documents and create documents that can be relied upon in court and that clearly states the wishes of their client. There's a second variety of lawyers that are called litigators. They're the ones who challenged those doctors. They're the ones who have this ability to bill unlimited hours."Did you know that a judge can divorce you during a proceeding to take away your right to inherit from a spouse?" —  Sam SugarTo find out more about the National Injured Senior Law Center or to set up a free consultation go to https://www.injuredseniorhotline.com/ or call 855-622-6530Connect with Sam Sugar: Facebook: https://www.facebook.com/AAAPG.net Website: aaapg.net Book: Guardianships and the Elderly: The Perfect CrimeEmail: drsam@aaapg.net  CONNECT WITH STEVE H. HEISLER:Website: www.injuredseniorhotline.comFacebook: https://www.facebook.com/attorneysteveheisler/LinkedIn: https://www.linkedin.com/company/the-law-offices-of-steven-h.-heisler/about/ Email: info@injuredseniorhotline.com  Show notes by Podcastologist: Kristen BraunAudio production by Turnkey Podcast Productions. You're the expert. Your podcast will prove it. 

Welcome! Craig explains why Hackers have found a new target that they love and why it might put you in jeopardy. For more tech tips, news, and updates visit - CraigPeterson.com --- Read More: Managed IT Providers: The Cyber-Threat Actors' Gateway to SMBs Think You're Spending Enough on Security? DHS Braces For 'Potential EMP Attack' As Presidential Election Nears US Sanctions Russian Attackers for 2020 Election Interference Cyber-Risks Explode With Move to Telehealth Services Why online voting is harder than online banking Price gouging and defective products rampant on Amazon, reports find Ransomware Has Gone Corporate—and Gotten More Cruel --- Automated Machine-Generated Transcript: Craig Peterson: [00:00:00] Welcome everybody. Hey, if you think that your IT being outsourced is going to somehow protect you from the bad guys. Unless they are a security service provider, I've got some news for you. Hello everybody. Craig Peterson here. A welcome and glad you joined us here on news radio 98.5 And AM 560. I also want to remind everybody that you can find me online. You can listen to this as you are a hold of radio range, even just go ahead and. Ask your favorite platform, whether it's Google or Alexa to play, WGAN we'll give you some more or details a little bit later on in the show today, but let's start with our top story of the day today.  That has to do with managed IT providers. Now, a lot of businesses are trying to do the whole information technology thing themselves. You've probably heard different ads. In fact, there's one group that advertises frequently here on WGAN, and this is kind of a big deal when you get right down to it. Are you better off taking care of your IT yourself? Or are you better off having someone else do it? Then when you really dig into it, the bigger question I think is, does it make sense to just use a regular IT company to outsource everything? Or should you again have specialties? No, it's like you've got a department inside your business that might do the finance stuff. You've got another department that obviously handles IT. You got sales, you got marketing. They're all fine-tuned. It is very difficult to find a third party that's fine-tuned, if you will, to cover everything that you might need from an IT side. Well, we have been finding out some very interesting numbers lately. There's a great article I have up on my website from DarkReading. That's talking about this. Basically, most of these MSPs or managed IT providers managed services providers. Have become a major gateway for the bad guys to break into small and medium businesses. I mean major gateway. We've seen this ourselves just as recently as last week. We've been working with some managed service providers now to provide them with managed service security services because it's impossible for them to do the best job. I just saw a mailing I got today from a company called SonicWall. They make firewalls, which are just fine for businesses that aren't heavily regulated, but they do not meet the requirements for more heavily regulated businesses. SonicWall's out there sending out these mailings saying, We've got it all. All you need is us. That also reminds me of a mailing I got from Microsoft and I saved it. I just could not believe this. This must have been 20 years ago now maybe a little longer, actually, when I think of it, we're saying, Hey, listen, security is a real problem, but if you have Windows XP and Microsoft office, rest assured that your security is virtually guaranteed. I shook my head at that, decades ago in this sort of stuff still happening today. So many companies are out there lying and misrepresenting. Now. I get it, you guys, this is not your forte. It's not the forte, cybersecurity of most managed services providers. Frankly, I think the vast majority of these companies that are trying to help you out with the IT, just don't realize what they should be doing and what's required of you, right? You go to them because they are the experts. They tell you what you need, right. Isn't that the reason to write the checks.  I've found the same thing being true inside a lot of companies where you have your own IT people and those IT people are trying to keep things straight. And man, I've been working on this cybersecurity quiz thing. What are the main activators behind cybersecurity and where are you at? It's a self-evaluation thing that you can do as a business. Right now I've got the technical ones all done, and I'm working on one for the business owner C-level to understand where they're at and where they might need to go with it. For years, cybersecurity has really been the area that big businesses, enterprises, what we used to call them here. And the enterprise was like a big business, a publicly-traded company. Nowadays we're adopting more of the European definition of enterprise, which is any business out there, but cybersecurity is been really the area that large businesses don't have to worry about. What the bad guys have found that small and midsize businesses have also been the target of attacks, but historically those attacks have been the broad-based phishing attacks, or they're trying to run a worm around the internet. It's just a target of opportunity. From small business and medium business standpoint, the number of times they might be hacked or the damages caused were probably reasonable, you could get insurance for it. But that has all changed now. The insurance companies and we've talked about a couple of these on the show before, are not paying out the policies. If you have a cyber insurance rider, for instance, as a regular end user,  just a home user, many home policies now come with a cyber insurance rider. So if your identity is stolen, they will help you to recover the damage that was done, right. You can never really recover identity. You're not going to get it. Back. It's not gonna all of a sudden become safe, but they all help you with the damage. So anything that was bought in your name it'll,  they'll back it out, any bad credit report backs them out. The same thing was available for the small, medium, and, even the large business markets where you pay a rider, and then if you do get attacked then okay, the insurance will pay for it. When you look at the numbers, I think you might come to a different realization. Where right now about a year, a quarter of all businesses are hacked per year. There is some security event that occurs in about a quarter of all, all businesses. That's a lot. What was the fee for your premium as a small business? Was that fee just an add on, an extra 25 bucks a year, a quarter a month, whatever is, I, I know biggie. Well, what's happened is the insurance companies have realized that they can put requirements on you. That's one of the things we do. We have special scanning software that allows us to scan a network and look for standard insurance requirements. You know, the stuff the insurance companies usually want. No, we're not the only ones, I'm not the lone ranger out here. There are other companies that have these tools. There are some free checklists you can find online. I would encourage you to use them. Nowadays, if your information is stolen, if you are hacked, they're going to go through that list and say, did you comply with this? Did you comply with that? Did you comply with the other thing? If not, they're going to fight you. That's true for the mega-breaches like Equifax has been fighting their insurance company in the courts. We've seen everything all the way down to little companies that are fighting it in the courts. Then on top of it, not only is a cyber insurance stuff, a threat, and a problem. It goes to the next level. And the next level, when it comes to all of this is. Is your business going to survive? You got hacked and you have to fight with the insurance company.  If the regulators find out, if your business is regulated, which nowadays is pretty much every business out there, what is it 300 million? Oh, it, you won't get into that right now. All of the people here in the US plus the businesses and all of the hundreds of thousands of regulations anyways. What's going to happen when the regulators find out you were hacked? That's when the real problems come up. The regulators are going to come in and there is a checklist, whether it's a NIST checklist, the CMMC, the HIPAA/HITECH, whatever it is, you are going to be held responsible. So. What are the bad guys found? It's kind of like going back to the Willie Sutton misquote, right? Which is why did he Rob banks all that's where the money was. Turns out that isn't a legitimate quote, but you know, that's okay. He, he robbed the banks or bank robbers, Rob banks, because they keep cash there. They keep gold. They keep silver, back in the day. So they'd go in and Rob them. Well, where are all of the keys to the kingdom when it comes to your computers? Well, they live in the IT department. Don't they, IT can get on, can give you access to stuff. They can take away access from staff, right? That's what it does. And they can be pissed off and leave your employ. If they leave your employment, what happens? Do you have automated systems that remove access for the IT people? Cybercriminals have now figured out that these low-end small businesses that are out there calling themselves managed services providers, managed IT providers are a great way.  If they break into one of those, we've seen major security holes for the tools almost all of these companies are using. If they break into one, those, they now have the keys to the kingdom for 50-100 companies out there. So be very, very, very careful. Cybercriminals understand the average managed services provider cannot keep your data safe internally inside their own networks or in yours. So just like that Pandora's box is open. Hey, you're listening to Craig Peterson. If you're going to hop in the car, the truck, and drive, hopefully, you've got Siri with you, maybe Google, maybe Alexa can listen to us there. Just say, Hey, Alexa, play WGAN stick around. Cause we'll be right back. You're listening to Craig Peterson. --- More stories and tech updates at: www.craigpeterson.com Don't miss an episode from Craig. Subscribe and give us a rating: www.craigpeterson.com/itunes Follow me on Twitter for the latest in tech at: www.twitter.com/craigpeterson For questions, call or text: 855-385-5553

The income/payroll tax system is something bank robber Willie Sutton would definitely admire. In this week's Chairman's Report, Steve Hayes explains how the income tax system is used for legalized theft, and how the Swamp has built a foolproof system that lets them profit at our expense regardless of who wins elections.

Jason and Kyle are back to the book review this week. They are covering Parkinson's Law and Willie Sutton's Law. These are two of the five human laws that Nelson discusses in his book. Parkinson's law can be summarized as work expands to meet the time envelope that is allowed. Willie Sutton's law is about wherever wealth is accumulated, there will always be someone trying to steal it.   For more information: Visit our website: www.cashvaluesolutions.com Like our Facebook Page: Cash Value Solutions Follow Kyle on Twitter: @KyleMans Connect with Jason on LinkedIn: Jason Pohlmeier Watch us on YouTube: https://www.youtube.com/channel/UCoogEEuTFvE4aWk7vB8dDFA Submit questions to: kyle@cashvaluesolutions.com or jason@cashvaluesolutions.com Get Becoming Your Own Banker: https://infinitebanking.org/product/becoming-your-own-banker/ref/44/ Get Farming Without the Bank: https://bs352.isrefer.com/go/wtb/kmans/

A nation of criminals. 0:51

The Overnight Underground News Podcast, now the headlines:  More rioting in Minneapolis and protests in LA & Memphis. Troubles for democracy continue in Hong Kong. The Trump Twitter wars begun they have. GE turns out the lights & bears like doughnuts, who knew! These stories and more on today’s Overnight Underground News. I’m John Ford.   Minneapolis burns The second night of unrest in Minneapolis sure looked like a bonafide riot. Angered over the death of George Floyd at the hands of the Minneapolis PD, protesters turned into rioters and looted a Target, burned down multiple buildings including an auto parts store and a low income housing project. Business owners brandished firearms to protect their stores from looting and at least one shooting death has been reported. According to a reporter from the Star-Tribune, the shooting death allegedly involved a pawn shop owner shooting a looter. So what’s next? Probably the National Guard. The Minneapolis Mayor reportedly has asked Governor Tim Walz to deploy the Guard. The Governor has yet to publicly respond to the request. It’s unfortunate, but some people just want to watch the world burn.  LA squirms On the left coast, protesters in solidarity with their brethren in Minneapolis shut down the 101 freeway and smashed windows on a CHP patrol car. One person was injured when he fell from the hood of a patrol car as it sped from the scene after being mobbed by demonstrators. The Protesters later dispersed and it was all over by six thirty, no arrests were made. NBC Los Angeles also reported further protests in downtown LA later in the night. Protests also took place in Memphis, and arrests were reportedly made there. According to Fox News, President Trump has ordered the FBI and Justice Department to investigate the death of Floyd. What a year 2020 is turning out to be. I don’t even want to think about what’s next.  Hong Kong on the skids On the other side of the globe, things are not much better. Unrest boiled over in Hong Kong following the Chinese government rubber stamping the new Hong Kong security law. The new law authorizes the commie pinko Chinese government to prevent, quote: "secession, subversion, terrorism and foreign interference" in the formerly semi-autonomous city. The new law pretty much officially ends the  "one country-two systems" rule in the former British colony. Secretary of State Mike Pompeo said Wednesday that Hong Kong is no longer autonomous from China. (captain obvious) So what’s next? Possible sanctions imposed by the US on China and in the end, an erosion of Hong Kong as a financial hub as investors see the city as being a risky place to invest.    The Twitter wars begun they have   The Trump Twitter war continues again today. Following the companies “fact checking” of Trumps twats yesterday, the President said he is set to announce an executive order to 'regulate' social media platforms. Yea, good luck with that. (Byte-airplane-tell you boot good luck were all counting on you)  The President Tweeted this morning, (What the hell we supposed to do you moron), that today, quote: “will be a Big Day for Social Media and FAIRNESS!” You know if he holds a press conference and starts demanding the government liberate compuserve, we’re all flucked. A leak of Trump’s alleged executive order has shown up on social media, that link is of course, available at overnightunderground.com.  Facebook’s Zuckerberg just had to get in on the action too, telling Fox News that private companies shouldn't be 'the arbiter of truth'. Seems to me that Fakebook may not want to be the arbiter of truth but it sure looks like they would love to become overlords of their own little de facto internet.  In other amusing Twatter news, Newsweek is reporting that Twitter's head of site integrity compared Trump's senior counselor Kellyanne Conway to the Nazi government's Minister of Propaganda Joseph Goebbels in a 2017 Tweet. I wonder if the department of site integrity will fact check that one? Twitter head of site integrity, talk about the propaganda pot calling the kettle black.  Joltin’ Joe Biden ain’t Here’s our audio sound byte of the day, and it’s a quickie. It comes to us from presumptive democratic presidential nominee Joe Biden, mixing up his sports analogies. It’s a swing and a punt for Biden.  Turn out the lights After over a hundred years of GE is getting out of the light bulb business. Ars Technica reports that GE is selling off its last consumer-facing business. The Wall Street Journal notes that the deal is valued at about two hundred and fifty million dollars. All this begs the questions: Does General Electric still do or make anything electric? And what about their promise of bringing good things to life?  The Hot Pocket bank heist Most people breaking into a bank to steal the money.  Like famed bank robber Willie Sutton once said when asked why he robbed banks, “Because that’s where the money is.” News 10 San Diego reports that a man apparently broke into a Wells Fargo bank Wednesday morning just so he could heat up his Hot Pocket sandwiches. That’s the alleged perp talking with a News 10 reporter as he was led handcuffed from the bank. You know, you just can’t make this shit up.  Donuts and bears oh my How did police in Fort Myers, Florida trap a black bear that was roaming the downtown streets of the city? According to the News Press, why with donuts of course. The po po used their trusty supply of Krispy Kreme’s to lure the bear so wildlife biologists could nab the fury perp. Florida Fish and Wildlife Conservation Commission Officer Adam Brown. I could go for the low hanging fruit here and point out that it was a black bear, so the cops could have just shot him or choked him out, but I won’t. 

Today’s quote is from bank robber Willie Sutton, known for his gentlemanly manner and for escaping jail multiple times. His crimes eventually earned him a spot on the FBI’s most wanted list.

The first lawsuits have already been launched against China for its role in spreading coronavirus: whether their intent was to use it as a bio-weapon, or whether sloppy lab conditions sent it out into the world - they are to blame. We start with a look at what nefarious plans the ‘old terrorists’, Radical Islamists, are up to now, to take advantage of the West being distracted and debilitated due to coronavirus. Just like American bank robber, Willie Sutton, robbed banks because that’s where the money is, terrorists are targeting new places - because that’s where the people are. You’re going to want to hear where. Next, we look at who is heading the lawsuits against China. Republican congressmen introduced legislation to clear the way to allow Americans to sue the Chinese government for damages. Law firms are already at it - suing for trillions of dollars. Hear what their causes of action are, and who the plaintiffs are who have already jumped to sign on.

Welcome!  Hey everyone.  I hope you are all doing well during this period of social distancing we are experiencing due to the Covid-19 pandemic. If you are new to doing remote work or working from home then you are going to want to attend the series of webinars on tools, techniques, and tactics you can use to make this easier for you.  These are all offered at no charge. Later next week, I will be offering a live training course on securing your computers, networks, and browsers. This will be deeply discounted. No pressure, but if you are interested, I would appreciate your business. I was on with Jim Polito who was sitting in his kitchen under self-quarantine because the State of Massachusetts has advised their residents to stay home and avoid unnecessary travel and other unnecessary activities during this two-week time period. We discussed VPNs. What they are and when and why to use them and how to use them correctly. So, here we go with Jim Polito. For more tech tips, news, and updates visit - CraigPeterson.com ---  Automated Machine Generated Transcript: Craig You are on a laptop, if you're at home, If you're on an airplane, at the airport, at a coffee shop, and you are using a VPN to connect into the network at work. You are now exposing the business network at work to everything around you in that coffee shop. Craig Mr. Jim Polito, this morning had me do a quick rundown of VPNs and why they might not be the right thing for you. And I talked a little bit about, but man some of the real cons to it and what can they do? And that's all part of what's happening later on. Today. I'm doing some intense stuff here on VPN, about an hour's worth answering all your questions, and helping you to understand the house the whys and the when should you use it when it comes to VPN? Of course, you're listening to Craig Peterson, and here we go with Mr. Jim Polito. Jim There is nothing weird about Craig Peterson, nothing at all because he is our good friend. He is a source of invaluable information 365 days a year, but especially during this whole Coronavirus work at home time. He's just second to none. Joining me now, our tech talk guru Craig Peterson. Good morning, sir. Craig Hey, good morning, Jim. Yeah, I've been very, very busy with webinars. I did them every day, twice a day now for the last week and a half. I've got another probably two weeks' worth, I think. We're going to be doing a live webinar, or two of them one at 4 pm and one at 7:30 pm. But webinars where I'm answering everybody's questions and I'm doing training. Today's topic is a VPN because it's very misunderstood. A lot. A lot of people need a VPN, but when do you need them? How can you use them? When should you use them? When are they useful? And even give some recommendations of some different VPN that you can use out there. So it's been going well, I haven't had a single, negative comment. And so far I've done about, I think it's 12 or 14 of these live webinars just talking about remote workers working from home, what's the technology need to use? What are the threads? How, how are they the home workers now endangering the office, but today's VPN, we're going to have more every day for the next two weeks, and it's right there on my homepage. Jim All right, and Craig, you've been making that available to our listeners, and you made it possible to listeners before you opened it up to everybody else. Greg, why don't you give us just a brief tutorial on a VPN, and that is, You know, so people understand it. I didn't know what it was until about five years ago, myself, and you know what a VPN is? And it's something that yes, in the right circumstances, can protect your data and protect everything else. Craig Yeah, you're right. It's VPN is the host. Again, we have a lot of TLS in this business, which stands for three-letter acronyms. VPN stands for Virtual private network. The idea is that you can hook up two networks together, that's where it came from initially. You know, way back when we'd have to have a T-one line going from one point to another. And you probably remember those Jim because radio stations were using them for years of leased lines to connect to the transmitter. Yeah, and yeah, TV stations everybody. So that's how it started. Well, those were expensive. I had two T-one lines coming to my house 25 years ago, and that cost me almost $6,000 a month. Very, very expensive. Things have changed today, and VPN came into being to replace those expensive leased lines. So with the Internet, what you could do is just have an internet connection and connect the remote office with the main office. And instead of having to have that expensive leased line, now you had a highly encrypted data channel, and it connects the two networks. So that's where it started. Today what we're using it for is very, very similar. We're still using it to connect networks. And that's the beauty of it. And that's the curse of it. And here's the curse smarts. You know, if you are on a laptop, if you're at home if you're on an airplane, At the airport at a coffee shop, and you are using a VPN to connect into the network at work. You are now opening up your business network at work to everything around you in that coffee shop. Jim So you've been talking about open 19 Craig Yeah, exactly. And Covid-19. What are we trying to do right now? Isolate? Jim Isolate? We're trying to die. That's the key. Craig Yeah. Because here's your significant danger. You walk into the house, and you bring Covid-19 into a home. And now all of a sudden people have it, and they're dying. Well, what do you think happens when you connect on a home computer? That is a pretty high likelihood that it's infected somehow? What happens when you connect that VPN now to the business network, you're spreading disease so VPNs on No, no, no, you have to be very, very careful. So here's another problem with the VPN. Jim So I guess the way you look at it is no, but the way you look at it is, so the VPN is that secure connection. But if your connection to that secure connection is lousy, then what's the sense of having that other secure connection between you and your employer? Craig You're making things worse. Exactly. Yeah, the connection may be secure. Yeah. So here's your other problem, you go out. And let's say you get a Norton VPN or something. And we're going to talk a lot more about this. Today, I'm going to show graphics about how this all works. So I help people understand. But you get one of these free VPN services or even one of these paid VPN services. Your data is only secure from your device to the VPN server. So let's say you're using one of these paid VPNs and you're connecting to the bank, and somehow you think And it's giving you additional security. It's not, and it is not at all. It might be making it worse, particularly with the free VPN services that are out there, you will be less secure because they are: what the old Willie Sutton quote, "why did he rob banks because that's where the money is," with VPNs that's where the money is going. Craig Yeah, the attackers are going after these three VPN servers and other VPN services, because they know that's where all of the connections are. And some of these VPN services are even tracking everything you do, everywhere you go, and some of them are also evil. I've seen VPN services that are running through Russia that require you to install this unique key so that you can use it and are doing a man in the middle attack. So that's why we're going to cover for an hour today. It will be at 7:30 pm. I am going through this and helping people understand. They can be useful, they can be necessary, but they must be appropriately secured and used correctly. Jim Alright, so Craig, there's a lot of different ways that folks can get information from you. Now, I know you've got a landing page on your website, and I'm going to I want you to give that out. But the first way is to get other information from you that you put out weekly to me, and then we share here, and that's by texting my name to this number. Craig to 855-385-5553. So just texting Jim 2855385 5553 Jim Standard data and text rates apply now, Craig, for folks to get to your website, and to find out about this webinar, the VPN information how do they do that? Craig Well, we have a registration on the site. The one that's up there right now is for last night. I haven't checked Just this morning, but I will be changing as soon as we get off the phone. Go to Craig Peterson dot com. It'll be right there at the bottom of the homepage at Craig Peterson dot com. That's s-o-n calm. Jim Alright, Greg, thank you so much. I appreciate the time, and we'll catch up with the next week. Unless, of course, something comes up, then you're always welcome here in between. Craig Alright, hey, thanks, Jim. Take care. Jim Take care. Bye-bye, Craig Peterson everybody a great resource. All right, a final word. When we return. You're listening to the Jim Pulido show from my kitchen with pops. Your safe space. Transcribed by https://otter.ai ---  More stories and tech updates at: www.craigpeterson.com Don't miss an episode from Craig. Subscribe and give us a rating: www.craigpeterson.com/itunes Follow me on Twitter for the latest in tech at: www.twitter.com/craigpeterson For questions, call or text: 855-385-5553

This episode features a lively (and—fair warning—long) interview with Daphne Keller, Director of the Program on Platform Regulation at Stanford University's Cyber Policy Center. We explore themes from her recent paper on regulation of online speech. It turns out that more or less everyone has an ability to restrict users' speech online, and pretty much no one has both authority and an interest in fostering free-speech values. Conservatives may be discriminated against, but so are Black Lives Matter activists. I serve up one solution to biased moderation after another, and Daphne methodically shoots them down. Transparency? None of the companies is willing, and the government may have a constitutional problem forcing them to disclose how they make their moderation decisions. Competition law? A long haul, and besides, most users like a moderated Internet experience. Regulation? Only if we take the First Amendment back to the heyday of broadcast regulation. As a particularly egregious example of foreign governments and platforms ganging up to censor Americans, we touch on the Europe Court of Justice's insufferable decision encouraging the export of European defamation law to the U.S.—with an extra margin of censorship to keep the platform from any risk of liability. I offer to risk my Facebook account to see if that's already happening. In the news, the FISA follies take center stage, as the March 15 deadline for reauthorizing important counterterrorism authorities draws near. No one has a good solution. Matthew Heiman explains that another kick-the-can scenario remains a live option. And Nick Weaver summarizes the problems that the PCLOB found with the FISA call detail record program. My take: The program failed because it was imposed on NSA by libertarian ideologues who had no idea how it would work in practice and who now want to blame NSA for their own shortsightedness. Another week, another couple of artificial intelligence ethics codes: The two most recent ones come from DOD and … the Pope? Mark MacCarthy sees a lot to like. I offer my quick and dirty CTRL-F “bias” test for whether the codes are serious or flaky, and both fail. In China news, Matthew covers China's ever-spreading censorship regime—now reaching Twitter users whose accounts are blocked by the Great Firewall. We also ask whether and how much the U.S. “name and shame” campaign has actually reduced Chinese cyberespionage. And whether China is stealing tech from universities for the same reason Willie Sutton robbed banks—that's where the IP is. Nick recounts with undisguised glee the latest tribulations suffered by Clearview and its facial recognition system: Its app has been banned from Android and Apple, and both its customers and its data collection methods have been doxed. Mark notes the success of threats to boycott Pakistan on the part of Facebook, Google and Twitter. I wonder if that will simply incentivize Pakistan to drive its social media ecosystem toward the Chinese giants. Nick gives drug dealers a lesson in how not to store the codes for €53.6 million in Bitcoin; or is he offering a lesson in what to say to the police if you want that €53.6 million waiting for you when you get out of prison? Finally, in a few quick hits, we cover new developments in past stories: It turns out, to the surprise of no one, that removing a GPS tracking device from your car isn't theft. West Virginia has apparently recovered from a fit of insanity and now does not plan to allow voting by insecure app. And the FCC is taking it slow in its investigation of mobile carriers for selling customer location data; now we know who'll be charged (pretty much everyone) and how much it will cost them ($200 million), but we still don't know the theory or whether the whole inquiry is going to kill off legitimate uses of location data.   Download the 302nd Episode (mp3). Take our listener poll at steptoe.com/podcastpoll! You can subscribe to The Cyberlaw Podcast using iTunes, Google Play, Spotify, Pocket Casts, or our RSS feed! As always, The Cyberlaw Podcast is open to feedback. Be sure to engage with @stewartbaker on Twitter. Send your questions, comments, and suggestions for topics or interviewees to CyberlawPodcast@steptoe.com. Remember: If your suggested guest appears on the show, we will send you a highly coveted Cyberlaw Podcast mug! The views expressed in this podcast are those of the speakers and do not reflect the opinions of the firm.

At its completion, Eastern State Penitentiary was the largest and most expensive public structure ever erected in the United States, and was home to notorious criminals such as Al Capone and bank robber Willie Sutton.  The Philadelphia landmark has a varied past and it is no wonder that it has been called the most haunted prison in America.  Tonight Dr. Paul Kahan joins me as we talk about Eastern State Penitentiary.     Become A Monthly Patron Option 1 : $1.00 USD - monthly Option 2 : $5.00 USD - monthly Option 3 : $10.00 USD - monthly Option 4 : $20.00 USD - monthly Option 5 : $50.00 USD - monthly Option 6 : $55.00 USD - monthly Greetings human listeners.  I’m Cameron Brauer and this is My Alien Life Patron page.  https://patron.podbean.com/myalienlife My Alien Life is a podcast for those who have a story to tell, and I really wish I could get to all of your stories.  I promise to do my best..  What is this?  Think of it as an online tip jar.  My Alien Life Patron Page is a website that gives everyone in the world an opportunity to become a patron and support the artists they believe in.  The great thing about supporting My Alien Life is, you get to decide how much you feel comfortable contributing to each podcast. My goal is to keep doing at least two podcasts each week… And it’s okay if you want to put a cap on how much you’d like to support every month so you don’t go over your budget..  As you know, some weeks I get a burst of energy and I want to produce lots of new content… I’ll keep producing episode after episode and you’ll get ALL the content.. I won’t hold back and make you pay for extra content.   And if you just want to listen without becoming a patron, that’s awesome, you still get to hear all My Alien Life Podcasts for free.   It’s expensive to make a podcast.  There’s electronic gear, web domain fees, web hosting fees, tee-shirts, postage stamps, tin foil hats, alien assault spray and more..... No matter what you decide, please always listen to the podcast.  That’s what I really want. We are a team, and your support is what keeps people like us going… Thank you for being amazing, and keep listening to My Alien Life the Podcast!! Respectfully, Cam   You can find my website at  www.myalienlifepodcast.com and our latest downloads are always at Apple Podcasts, Spotify, Stitcher at Podbean.com and everywhere else fine podcasts are found…...and please follow me and like me on Facebook and Twitter... My alien life is written and produced for broadcast at Studio 254 in the Northern Rocky Mountains..    The music you've heard tonight is produced and created by ELEON. ELEON is changing the face of New Age with what can only be describes as "Epic Chill" on Heart Dance Record's first Electronic release. You can find all ELEON’s work online at HEART DANCE records, Facebook...

Join us as we continue going through Nelson Nash's “Becoming Your Own Banker.” This episode we discuss The Human Factors: Parkinson's Law-“Work Expands to meet the time allowed” , “a luxury once enjoyed becoming a necessity” & "expenses rise to meet income" Willie Sutton's Law- “Wherever wealth is accumulated some will try to steal it” The Golden Rule- “Those who have the gold make the rules!” The Arrival Syndrome- “already know all there is to know!” Links: Links: Video comparing paying cash vs IBC http://bit.ly/CashVsIBC  Schedule your 15-minute call with Anthony or Cameron here: https://calendly.com/anthonyfaso/15-min-phone-call https://calendly.com/cameronchristiansen/15min Check our on-line course at www.InfiniteWealthCourse.com Nelson Nash documentary http://bit.ly/NelsonDoc  Buy Becoming Your Own Banker by R. Nelson Nash http://bit.ly/BYOBbookIWC 

Welcome!   Today we are going to discuss Encryption, what it is and why you must fight every attempt to legislate against its use. Listen in to find out more. For more tech tips, news, and updates visit - CraigPeterson.com --- Related Articles: Standing our Ground on Encryption - without it, we will lose all Privacy!   --- Automated Machine-Generated Transcript: Craig Hello, everybody. Let's see here. Get those cameras straight. Oh my it's always something, isn't it? It's not one thing. It's your mother said Roseanne Roseanne Adana. So let me see it. Switch that over and I'm going to go pop over to there. We're finally the right camera. Oh my gosh, Craig Peterson here we're doing some new stuff. As you probably are noticing right now, where I am doing some live videos. In fact, this week, we've been talking all about VPN I did. Facebook Lives YouTube lives every day this week. And we're working on getting those up on the website as well. So have a look for them there. And right now, of course, you can see these videos too including today's Video we're talking right now, and some of the stuff that's important. So I am kind of running the whole show today is just the way that goes sometimes, right? I don't have anybody helping me. There we go. So I'm putting my lower thirds on and moving stuff around and talking than reading and oh my gosh. So anyhow, welcome to my studio. Welcome to the show. Hopefully, you will enjoy it today. Now we talk a lot about technology, different types of tech and things that you might want to look at and consider and I really emphasize security because it has been such a problem. You know, you might have heard me on the radio. I have been on the air, at a number of stations. This whole show is carried by WGAN man Come on WGAN but I'm on many other stations. I'm with Ken and Matt and Jim and jack and just all over the place and I really enjoyed this stuff I really want to help and I enjoy helping. And so today we are going to be talking about a friend of ours. And this guy's name is Edward Snowden. Now, you know, friend foe, I don't know, there are certainly people in the audience that think Mr. Snowden is somebody that should be serving jail time. I'm not so sure I disagree with that. But what he did, this is the guy that was the NSA whistleblower, a true whistleblower, someone that had first-hand knowledge of some of the problems that were going on some of the things we were doing in our country that maybe we shouldn't be doing. And he went and he told us about it. It's just incredible what we found about the NSA, and the NSA has gone from that posture where they're monitoring us all the time. Basically, everything we're doing, to a posture today, that's much more reserved, and we kind of freaked out after 911 you know, for good reason, who would not be freaked out. But because we had freaked out and freaked out so badly, we put in place this whole Patriot Act, and they just kept renewing it and President Obama expanded what the NSA was doing. I've heard from a number of people that hey, listen, if you're president, like, let's say, tomorrow, you were made president, you would do the same things as anybody else that was put into that office as President, you do the same as President Obama did, President Bush did, because you have the same advisors, you're getting that same advice. And I, you know, I can see that I can see why that might happen. But the expansion of the NSA is something that I just, I don't know, I don't think that's such a great idea, frankly, because the NSA is all about the surveillance and it was supposed to be surveilling our enemies foreigners, not our citizens here in us. Well, in this case, it turned out that the US, UK, and Australia are now taking on Facebook. We know about encryption fact that's what this whole week has been about on my lives on Facebook and on YouTube. I've talked about this right encryption what it is what are they doing? What does end to end encryption mean? What, which prying eyes? Are they able to stop with the VPN? What are my recommendations for VPN? Which services to use, and when not to use a VPN when there's a drawback. All of this is about encryption. Think about what happened out in San Bernardino. I lived in San Bernardino for a few months. And we had out there a just a horrific thing where this guy came into the office and he killed some people and the FBI was trying to get into his iPhone and Apple said hey, we're not going to cooperate and I kind of understand where Apples coming from, because we do have our rights, our first amendment rights, and we're supposed to be secure in our papers. Well, nowadays, what are our papers? What qualifies as our papers? Is it our phones? Is it our computers? Is that what we have in the cloud? great article that I put up on the website that my wife and I worked on at Craig Peterson dot com, going into some more detail on this, and a good article from the Guardian, and that's the one I shared this week as well in my newsletter, and you know, if you want to get my newsletter, great, just go to Craig peterson.com slash subscribe, if not, hey, I understand it. Our inbox is just too full as it is. But should we be blocking encryption? That's the big question we've got now are the Attorney General bar saying yeah, we should stop encryption no one needs encryption on a regular basis. Again this is so they can, they can look in on this and that. But this is a new This isn't a Trump administration thing. This goes all the way back to the Clinton administration and the clipper chip that they were trying to pass off. And it goes back to the NSA, who purposely misled the whole wide world on the Data Encryption Standard. But under President Clinton, they said, Hey, everybody - use this chip, because it's guaranteed to be secure is developed by the NSA, these guys know what they're doing. You really want to use this. And Bill Clinton promoted it. The government was promoting it. And then the industry we found out that there was indeed a backdoor in this, in fact, a pretty bad backdoor when he got right down to it. And because of that, we ended up saying no, we don't want this. We do not want to have all of our conversations recorded. Now this clipper chip and the whole Jupyter encryption is also what led us to be able to get Saddam Hussein and his sons, we knew where they were because we could break the encryption. And that was thanks to the Brits. So we're talking about now encryption and frankly, you know, without encryption, in reality, where we could lose all of our privacy, everything that we have been working for, for all of our lives could be stolen. because let me tell you something, and this is something that I'm sure you've thought of before most people have thought of this, you know, kind of off and on over the years. But if you have something and the bad guys know you have something or the bad guy is going to try and get it from you. And the answer to that, I think is an absolute total and complete Yes, you know, the bad guys want to get this stuff from us that they can get that they can steal. So if we're using government-controlled encryption, wherewith that government-controlled encryption, what's happening is they are able to get in that kind of a backdoor, right? Get into our files are papers, then what happens? Really what then what happens? That means there is a key, right there is a way for them to get in the back door. And most people say, Well, you know, why would I care? I don't care if they are going to get to my papers because I have nothing to hide. Well, I'm not going to try and debunk that right now. Because obviously, you do have things to hide. Look at the witch hunts that have happened over the years, rather which is going on today, which is going on in the 1600 and which ones big time in socialist countries. Show me The man, I'll show you the crime. And that's what we want to avoid. So we want to avoid that. But on top of it all, we're trying to keep our data out of the hands of the bad guys. If our federal government has the key to get into our personal data, what do you think is going to end up happening? It's, you know, Willie Sutton is credited with having said, hey, why did you rob banks while I rob banks because that's where the money is. And that, you know, whether or not that's true, he's credited with that. Well, if the bad guys know that the federal government, let's say the NSA, the National Security Agency, the bad guys know the NSA has the keys to the back door. Do you think the bad guys are going to try and get into the NSA? And I've talked about this on the show before the end. Sad themselves were hacked all of their top tools were stolen, and are now being used to hack us. Blue keep is a great example of that. Some of this ransomware is using tools developed by the federal government. So if the NSA can be hacked and they can be hacked and they have been hacked, what's going to end up happening a little bit later on down the road, when the NSA has keys to the backdoor. And they're all going to say, listen, there's no way the keys can get out. These are top secret. Hey, listen. So we're all of the NSA tools that we were using to hack the Russians to hack the Chinese, the North Koreans. So were the keys that the Clinton administration had to the back doors backdoor cryptography that they were trying to push. I'm not blaming, you know, the republicans or the Democrats, both sides Have equally tried to get back doors in place and, frankly, to where we're ending up at is right what we've been talking about right now. If we do not have encryption available to us as regular citizens, frankly, our privacy will be gone. totally gone. So we've got to fight for this and fight hard for this. no two ways about it. Don't let the federal government do back doors and force encryption to be open. All right. When we come back, we're going to talk about the FBI. They are urging businesses to do something business most businesses have never done. So we'll talk about that when we get back so stick around Of course, you're listening to Craig Peterson online and on WGAN and online at Craig Peterson dot com as well. Transcribed by https://otter.ai   --- More stories and tech updates at: www.craigpeterson.com Don't miss an episode from Craig. Subscribe and give us a rating: www.craigpeterson.com/itunes Follow me on Twitter for the latest in tech at: www.twitter.com/craigpeterson For questions, call or text: 855-385-5553

Tonight in the studio, a man that really doesn't need an introduction.....  My friend,  The Amazing Kreskin. With a showman’s flair, a comedian’s wit, and the capacities of a bona fide Mentalist or thought reader, The Amazing Kreskin has, for six decades, dramatized the unique facets of the human mind…his own. His very name has become an integral part of pop culture throughout the world. During the past fifty years Kreskin has had a television series, his own board game by Milton Bradley, twenty published books, and a major motion picture inspired by his work.   In the 1970’s Kreskin headlined his own television series for five and a half seasons called, ‘The Amazing World of Kreskin’which can now be viewed on www.hulu.com.  The airline industry estimates that Kreskin has flown over 3 million miles, to reach a vast international audience with his unique brand of Mentalism.  To reveal his remarkable diversity, John Romero, a leading gaming authority quotes in his book, ‘Las Vegas The Untold Story’ “Kreskin is the most dangerous person in the world with a deck of cards. The casinos would rather deal to Willie Sutton”. Actor/Producer Tom Hanks released in 2009 the feature film, ‘The Great Buck Howard”.  It is announced at the end of the movie that the inspiration for the main character is The Amazing Kreskin.  That character is played by the star of the movie, John Malkovich.      In the 2010 movie, ‘Dinner for Schmucks’, the character played by Zach Galifianakis has as his hero and influence The Amazing Kreskin, which further exemplifies the wide scope of Kreskin’s exposure and attention. It is showcased with his recurring appearances on Johnny Carson, Regis Philbin, David Letterman and most recently Jimmy Fallon, Neil Cavuto and Howard Stern. 2014 brought a whole new realm to Kreskin’s arsenal when he mentally trained three up and coming boxers to victory.  One of the winners was Heather “The Heat” Hardy and he was further brought in to prepare and condition her mentally for a contest of worldwide dimension.  In October of 2014, he was brought into the ring to join her in the celebration of her success; a success that he helped prepare her for in the preceding months.  She had just won the WBC International Junior Featherweight Championship of the World. Through the years Kreskin has received worldwide recognition for extraordinary predictions, often dealing with international affairs, and sports.  On Late Night with Jimmy Fallon, Kreskin predicted the  2012 United States Presidential Election, 18 months before Election Day.  As revealed on Fox television for the 2016 Super Bowl, Kreskin made three predictions.  He foresaw the deciding quarter of the game,  the winning team, and their final score.  In March 2016 Kreskin released his 20thbook entitled, “In Real Time”featuring his major predictions for the next several hundred years.   The day after Donald Trump was elected to the Presidency,Fox Television News revealed that Kreskin  predicted Trumps election 11 months ahead of time, Live on December 9th, 2015 on FOX 5 Good Day DC Show in Washington, D.C. Kreskin now offers the sum of 1 Million dollars to anyone who can prove that he employs paid secret assistants, or confederates, or utilizes hidden, secret, electronic devices to accomplish his mental presentations. At 83 years of age, Kreskin shows no signs of slowing down.  He continues to perform his legendary live shows in front of packed audiences around the world, playing over 200+ dates yearly.    The Amazing Website  http://www.amazingkreskin.com   My Alien Life has a website  www.myalienlifepodcast.com and our latest downloads are always at iTunes, Spotify, Stitcher at podbean.com and everywhere else fine podcasts are found…...AND please follow me and like me on Facebook and Twitter... "My Alien Life" is written and produced for broadcast at Studio 254 in the Northern Rocky Mountains..    The music you've heard tonight is produced and created by ELEON. ELEON is changing the face of New Age with what can only be describes as "Epic Chill" on Heart Dance Record's first Electronic release. You can find all ELEON’s work online at HEART DANCE records, Facebook...   Thank YOU for listening to tonight's amazing podcast. I am Cameron Brauer and this is my alien life...!!

Craig is on with Jack Heath this Monday morning. Jack and I discussed the government profiting from your private information and the dangers of a cashless society. These and more tech tips, news, and updates visit - CraigPeterson.com --- Related Articles: The Fertile Garden of Social Media is ripe for attracting Cybercriminals to your Business How DMVs Make Millions – Selling Your License Information Big Tech Banks, U.S. says Not So Fast When Governments Demonetize by Force How Cold? Researchers Predict Large Decrease in Sunspot Activity Increases in Teen Depression — Check their Social Media   --- Below is a rush transcript of this segment, it might contain errors. Airing date: 07/22/2019 Governments that Profit from your Private Personal Information and the Drawbacks and Dangers of a Cashless Society --- Craig Peterson Good morning, everybody. Craig Peterson here. Thanks for joining me again here on the podcast. I like that our numbers are coming up. I appreciate everybody who's made a comment and given me a five-star review over there on iTunes, they are great and very much appreciated. Again, thanks for listening to the podcasts. I was going through the news and collecting articles, which I do a couple of times a day trying to keep up on everything. I don't know if you've seen what Elon Musk is working on and his latest little bit of technology. It is a computer chip that he wants to implant in your brain. Now we've heard about these types of things for many, many years. However, this is from a startup. I am not sure if he funded it, but it was part of his little empire and is called Neurolink. The goal is to implant a tiny sensor in your brain. And you, by the way, using a robot to do it. Then these sensors will pick up brainwaves so that a person with quadriplegia can control a smartphone or other computer device. It is quite cool technology. They founded the company back in 2016. They've already done some testing with a wired version of the implant in rats. They also did it with a monkey who was able to control a computer with just thought. That I think, is a very cool thing. We'll see how it goes. Ultimately, as I said, a lot of people have talked about this forever, and there have been many, many attempts to try and do it with varying levels of success, I have to say, but it's not new. It could be very, very good, and just being able to send a text message by thinking is a huge step. I cannot imagine being locked in a box as a brain in a quadriplegic body. It's just incredible. So we'll keep an eye on that as time goes on. This morning I was on with Mr. Jack Heath, and we talked about how the US is moving towards a cashless society and why it doesn't make sense. Just look at what we've learned from a Hong Kong protesters out there. Florida's DMV is selling personal information. Is that a good idea? To who are they selling? I compare with what New Hampshire used to do what we're doing now under the new federal laws. So, here we go with Mr. Jack Heath. Jack Heath Back on this Monday morning at Craig Peterson, our tech talk guy that joins us live at the AutoFair listener lines and Craig you have some interesting stories on your docket this morning. One is about the Florida DMV, and people's license information that might be out there in the market, as they say, and also the significance of the Hong Kong protest and it's connection to technology. Good morning. Craig Peterson Good morning. Yeah, absolutely. You know, one of the things I loved about what New Hampshire did for so many years is with your driver's license, you had the option to prevent them from keeping your picture and not allow them to print your social security number on the card and, and keep all that information out of their databases. I am concerned about two things. First of all, the attribution quote about why did Willie Sutton robbed banks, because that's where the money was. Well, that's the same thing when it comes to these massive databases that governments and some businesses maintain, and also the amount of data many companies collect. So having that information in the database the state has the bad guys can potentially hack is always concerned me? And then of course, there's the concern about what why would you want to why would you want to even collect data that you did not absolutely need, and that's good advice for businesses as well because if you have a lot of data, this kicking around, it gets stolen, you can be in big trouble. Now. This story, Jack, you brought up down in Florida, the DMV. They have been collecting this information for years. By the way, New Hampshire is now being forced to comply with a federal mandate that came out and requiring us to collect this information. But, Florida DMV is selling the information that they've been collecting on their drivers and ID card holders, to over 30 private companies. It includes bill collectors, data brokers, marketing firms, insurance companies, and Florida's made more than $77 million and selling this data. I think it's very concerning! Jack Heath That leads to my next question, how much they get paid for it? Yeah, you answered the question. Craig Peterson Yeah, it's $77 million, and that is not a small amount. However, for the Florida DMV, it's a barely a drop in the bucket. In Florida, the DMV can legally sell the driver and ID cardholder information, and there's no way for Florida residents to opt-out. Now NH is collecting this information, and you no longer have the option of not having your photo or some of this other information collected here in New Hampshire. I don't think we have the ability to opt-out, either. If the state decides to sell our data. We know that the FBI and other federal government agencies have been combing state databases nationwide, their DMV records, and have been using that for facial recognition. I'm concerned about that one as well. So, there's a lot of dangers there. Jack Heath Interesting. Let's get to Hong Kong, yeah. Yeah. Tell me because you know, that we continue to see these pretty massive protests. Craig Peterson Yeah, it's I think this is also quite concerning. Again, you know, that we've had the Treasury for many decades here in the United States and we've minted coin and printed paper money. Going back to medieval days and before, if you forged a coin, it was considered an attack on the king, and you received the worst punishment possible against you. Forgery has, especially with currencies, long been a big problem. Now we've got companies out there, like our friends over at Facebook. They are getting together with other companies, including some financial companies, and they are trying to come up with their own version of cryptocurrency. Well, Hong Kong has something called an octopus card. And this octopus card provides for a completely cashless society. The same thing is true in China, as well. They have something called WeChat. And that's a social media and messaging service that allows them to use that to pay as a primary payment method. These protesters in Hong Kong do not use octopus cards. They're only using cash. When it's time to go and protest against the government because it's just too easy to be tracked. So, now I'm looking at WeChat in China, Jack and it's gotten so bad over there, that if you J-walk, they again, they've got the database of the photos, they have the computers, they automatically debit you. Your E payment card no longer works to even get on a train to get to work unless you obey every law over there. So again, it's concerning. It is what we can expect with a cashless society. It represents yet another risk. What happens if a president you don't like becomes president and starts trying to do some of these things? The same thing is true with Congress when it is taken over by parties that you don't like. We certainly have a lot of protests right now against President Trump. However, this really could give a crazy power to the government. Jack Heath All right, good stuff, abstract but good stuff this morning. Thank you, Craig, at least on the latter half. Thank you, Craig. Craig Peterson, our tech talk every Monday. Thank you, Craig. Appreciate it. Craig Peterson Take care. Bye-Bye. Jack Heath All right. Paul Steinhauser. Craig Peterson Hey, thanks to everybody who's listening to this morning appearance Today's podcast was brought to you by my security summer summit. It is coming up in August. If you're not already on my email list, make sure you join. We're only just about a week away from getting started on that. You can join by just going to Craig peterson.com. You'll see right there on the homepage or any page on my site you can subscribe to my mailing list. I am not one of the internet marketers is nailing you all of the time. I am trying to keep you up to date. You can join the thousands of people that get that my newsletter every week and keep up what's going on. I send out all of my show notes, all of the information that I think is the most important of the week. So, if you miss anything, that's where you'll find it. A quick shout out here to John, who this week asked a great question. And yes, indeed, John, the Apollo moon landings did happen. So, shout out to you. I love to give a shout-out to people who go on to iTunes and give me a little ranking there as well as anybody that asks a question by just sending an email to me at Craig Peterson dot com, or quite quickly texting me 855-385-5553. If you're interested in helping your business meet the mainstream security standard, let me know. Take care, everybody. Have a great day. We'll be back tomorrow. Bye-bye. --- More stories and tech updates at: www.craigpeterson.com Don't miss an episode from Craig. Subscribe and give us a rating: www.craigpeterson.com/itunes Message Input: Message #techtalk Follow me on Twitter for the latest in tech at: www.twitter.com/craigpeterson For questions, call or text: 855-385-5553

In this episode, Jim Oliver and Nick Kosko discuss: The continued and ongoing relevance of Becoming Your Own Banker by R. Nelson Nash.  Expenses expand to equal our income Willie Sutton's law- Wherever wealth is accumulated, someone will try to steal it The IRS takes your money to give to the Treasury to pay to the Federal Reserve for all the money they're borrowing   Key Takeaways: We need to overcome Parkinson's Law to succeed If you can overcome Parkinson's Law, you will win by default, and you don't need to do it alone What we consider "necessities" change as we have more resources available "Do it yourself" retirement plans don't work You can't abolish your student loan debt in bankruptcy   "Work expands to meet the time envelope allowed." —  C. Northcote Parkinson, Parkinsons Law and Other Studies in Administration   Book Link: Becoming Your Own Banker- Nelson Nash Free Copy: CreateTailwind.com   Connect with Jim and Nick: Facebook: CreateTailwind & Jim Oliver Website: CreateTailwind.com YouTube: createtailwind.com LinkedIn: Jim Oliver    Show notes by Podcastologist: Chelsea Taylor-Sturkie   Audio production by Turnkey Podcast Productions. You're the expert. Your podcast will prove it. 

Did you see that the Internet Speeds in the US have doubled?  Yes, it is true -- Listen in as I talk with Ken and Matt about what caused this growth. Do you own a small business?  If so, you'll be interested in what I have to say to Ken and Matt about the dangers you may be facing. Been to Dulles lately? They have some new technology in place.  This morning with Ken and Matt I will discuss it and the impacts it will have in the future. Craig is putting up a new membership site (Yes, it is free, but you have to sign up)  On it will have all his special reports that he puts out and you will be the first to get them. These and more tech tips, news, and updates visit - CraigPeterson.com --- Related Articles: The End Of Net Neutrality Has Doubled Our Internet Speed Ranking! With The End Of Net-Neutrality AT&T Invests Nearly $120 Million To Boost Local Networks In Iowa Half Of Small-Businesses Believe They’re Not Cybercrime Targets New Facial Recognition System Catches First Imposter At US Airport --- Transcript: Below is a rush transcript of this segment, it might contain errors. Airing date: 09/05/2018 Internet Speeds have doubled in the US due to Net Neutrality Repeal. Small Businesses are the targets of Hackers.  Facial Recognition at Airport's first Imposter.   Craig Peterson: [00:00:00] Hey, Good Morning. Craig Peterson, Here on in Maine. I talked a little bit this morning, again, just like I did yesterday with Jim. I guess this is a big story about the U.S. Internet speed where our ranking has doubled, which is just absolutely amazing just how much faster we've gotten. And, also a little bit about AT&T and their investments into the Internet. This new facial recognition system, catching our first imposter at the airport, and we talk about how many airports it's in place. It's surprising we caught one, Half of all small businesses believe they are not Cybercrime targets, and frankly that's not a good thing. So, that's what we talked about this morning stick around here we go.  [00:00:49] Well it's that time of the week again, Craig Peterson joins us, once again, to go over what's happening in the world of technology. Craig, how are you this morning? Hey, Good Morning. Doing well. [00:00:59] So, when I went in and looked at your Web site, Craig Peterson dot com,  my internet speed is just so much better. Is this a result of the end of net neutrality? [00:01:11] Craig, Yeah well for those who don't remember, of course, net neutrality was an Obama era FCC thing, where they were trying to bring the Internet into the same rules and regulations that have been in place since the 1930s for the telephone companies. And as you know for, jeepers since the early 70s, really, what became the Internet had been pretty much unregulated and had been completely unregulated since 1991. Other than of course the Federal Trade Commission, the FTC, was regulating it and has been regulating it pretty heavily. So, we had net neutrality in place for a while, and there are a lot of people who were out there yelling and screaming that we needed it because we needed fairness, we need equal access. In other words, the kid sitting there with me in front of their computer who is playing video games streaming live all day long. Plus they've got Netflix playing over on the side and maybe they've got music playing as well and this happens and it happens quite frequently. So, they use a lot of bandwidth. They wanted it to be fair. So, he would pay the same price as the grandma who was sitting at home hoping to get an e-mail from the grandkids. You know which is of course totally crazy. And to top it all off we had you know businesses out there who wanted to get some money back from their investments into network infrastructure. So they put it in place in the very first thing that came in front of the FCC net neutrality the very first time and this was terrible. [00:02:56] That's not a good thing. It was in place because what they were doing is the FCC denied a company that wanted to give away free streaming video because it would be unfair to their competition. You know, heaven forbid you've got a startup company that wants to go up against Verizon and offer a better deal, right. So, net neutrality, absolute failure and we have the Trump administration with the new chairman of the FCC who got rid of this net neutrality thing and when they got rid of it, of course, we still had people who were out there screaming hey, we've got to we've got to put it back in place its terrible the world we're going to come to an end. The Internet never existed without the FCC regulations, of course, you know I'm kind of going a little overboard here to come up with a point, but that's basically what is happening. In fact, it has gotten so bad that the chairman of the FCC has had to get armed protection for himself because of the death threats and armed protection for his kids. So, now we've got people like Ken out there who are we have noticed something which is since the repeal of net neutrality took effect just this spring. [00:04:14] The internet has a ranking of the U.S. and the Internet has changed. The Internet has sped up in the U.S. and the U.S. has gone from being the twelfth fastest Internet in the world, average, average speed to people's homes so, we were 12th. And since this spring since net neutrality went away we're now the six fastest Internet in the world. We've basically halved our rank which is a very good thing. AT&T is investing nearly 120 million dollars just in Iowa to improve their network. So, now the businesses know they can get their money back out of it. That they can charge the kid sitting there using up all of their bandwidth. That they can charge Netflix, that's using half of the Internet bandwidth, at times, in the U.S. That the backbone carriers who have paid for the infrastructure can say hey Netflix you owe money, in order for us to carry all of these movies for everyone. Now, that's in place, we've got companies reinvesting in the Internet. We're seeing internet speeds improving and we're also seeing improvements for consumers. I just switched my mobile phone plan, my cell plan. I've had the same company for about 20 years now and I switched it because I'm now getting twice the speed for half of the cost.  [00:05:38] And with net neutrality, in place it would have had to get permission from the FCC to lower their prices or to improve their performance or speed. So, thank goodness it's gone. I predicted this would be the case. if it did go in place and if it was removed. So, it is great. I know there's a lot of people who don't like it, and I want to warn those people who are more on the conservative side, who are now starting to call for more regulation of the Internet, because of what's been happening with Facebook and Twitter and other places where they are apparently censoring some of the conservative speech. So, we've got conservatives now out there saying oh we've got to have this regulation in place including just yesterday the new chairman of the FCC the guy that got rid of net neutrality really seem a kind of a personal statement if you will saying hey listen we may have to regulate the MAGAF companies. You know again Microsoft and Amazon Google Apple and Facebook we may have to regulate those companies because they are not treating all information fairly. So, it is kind of interesting here is the pendulum sways. Maybe, that should be a name of a new soap opera or something guys. [00:07:02] Craig Peterson, our tech guru, joins us right now to give us an eye on the world of technology and before I move onto the next topic I should mention, speaking of net neutrality and whatnots, Ajit Pai, is going to be here, next Friday, coming to an event at the Maine Heritage Policy Center. So, if anybody's interested in that, Maine policy dot org, ladies and gentlemen Not interested. Yes, I know you're not. But maybe the great crowd out there listening to this might be. So Craig, now that I've done my little disclaimer.  [00:07:26] Yeah, he's the FCC chairman for those who didn't know who that was. [00:07:29] Correct. Basically, the one who is responsible for killing it, killing net neutrality, in the first place. So, anyway moving on to other topics. You know, if I were a small business owner right now I may be, I might be a target for cybercrime, but I'm just a small fish, right. So, I'm probably not. Am I wrong about that? [00:07:50] That's one of the things that you hear all the time isn't it. No. I would say go after me. Why did Willie Sutton rob banks? Because that's where the money was. And, so many people are assuming that the bad guys are going after the big businesses which they are, and they are going after the banks online trying to hack them. They're trying to break into their networks into the computers get all kinds of information. But the big banks and the big businesses can afford to do security and do security right. And, now they are spending money on that. They're spending real money on trying to keep things secure, while small businesses and the home users don't have that money. So, where are they going to go. Well obviously, they're still going to hit some small people and you know in their homes. But, now the FBI is saying that small businesses are the biggest target, right now for the bad guys, for hackers. And, unfortunately, a lot of small business people are thinking that they're really not going to be coming after me. But, when you look at the numbers that are involved here, where an average hack can cost 130,000 dollars. We just picked up a client that had been hacked and they lost 180,000 dollars in cash. So, you know you've got to be careful business owners, just like you were indicating Matt, Don't think they are the target but they are the target. And, you've got to start using real multifactor authentication or two-factor authentication for your business e-mail accounts because that's where they're usually going to ask you, they're using something called a business email compromise. It's something the FBI has been warning a lot about. It's something that's been very effective and very cost effective for them and unfortunately has literally stolen the livelihood and the businesses, that people are working their whole lives for. It's been stolen from them. So, it's a big deal. Don't think that just because you're a small business you're not a target. Because in fact, you are the target.  [00:10:03] We're talking to our tech guru, who joins us Wednesdays at seven thirty-eight. So, facial-recognition which works on my iPhone really well. Is it becoming more viable for security issues in airports? [00:10:18] Yeah. What's in your iPhone is really interesting because it's close up. It's able to measure multiple points on your face simultaneously, to figure out if it's really you. And, by the way, Apple's expected to release some more information about their phones coming up here, next week. But, yeah facial recognition is interesting when you're talking about it for a crowd. We've used it at major events, major sporting events for about a decade now. And, we've had a lot of false positives which is OK, because it was new technology and the police understood that. What I'm concerned about is in the future. What happens when people are falsely identified, as well? Well, down in Washington D.C. Their main airport down there which is Washington Dulles is now using an interesting form of facial recognition. What they're doing is the computer looks at their passport photo and is able to use that photo without training like you have to train your iPhone, right. [00:11:26] Can you see your face Yeah exactly. [00:11:31] This is just training? So, he presented a French passport as his I.D. the computer scanned it. The computer used a camera that's sitting there. And, they do film all of your interactions at these international airports and was able to identify a man with a fake passport, just using this new facial recognition system. So, you can expect this is going to grow as time goes on is going to be used more and more. There are 14 airports, right now, using facial recognition technology. It is being used to help screen these people and this was the very first one ever caught using facial recognition and it was just a couple of weeks ago. So, it's kind of interesting and we're going to see more of it, as time goes on. [00:12:17] All right Craig Peterson, our tech guru, joins us at this time every Wednesday to give us technology around the world. Craig, thank you very much, sir. We will talk again next Wednesday. [00:12:27] Hey, thanks, gentlemen. Take care. All right. --- Don't miss any episode from Craig. Visit http://CraigPeterson.com/itunes. Subscribe and give us a rating! Thanks, everyone, for listening and sharing our podcasts. We're really hitting it out of the park. This will be a great year!  --- More stories and tech updates at: www.craigpeterson.com Don't miss an episode from Craig. Subscribe and give us a rating: www.craigpeterson.com/itunes Follow me on Twitter for the latest in tech at: www.twitter.com/craigpeterson For questions, call or text: 855-385-5553  

Aired Tuesday, 14 August 2018, 5:00 PM ESTRevealing and Revoking the Doctrine of “Discovery” – From Domination to ReverenceAn Interview with Native American Scholar and Activist Steven Newcomb and Activist Visionary Shawna Bluestar“If Columbus ‘discovered’ America then Willie Sutton was the greatest ‘discoverer’ of banks in history.” — Swami BeyondanandaThe Doctrine of Discovery… it sounds so official, so scholarly.And yet, it has been the blueprint for not just colonization of the Americas, but for the exploitation, domination and genocide of its peoples. Did you know … that the Inter Caetera papal bull issued by Pope Alexander VI May 4, 1493 called for non-Christian nations to be reduced and subjugated (“barbare nationes deprimantur”)?Not only did this innocuous-sounding “doctrine of discovery” justify and fuel the destruction of the Native cultures in the Americas and the pillaging of its resources, but the abrogation of treaties with the Native American peoples has been justified by our U.S. Supreme Court based on that same 500-year-old doctrine?Our guests this week, Native American scholar and activist Steven Newcomb, and his daughter Shawna, share the awful truth of what the dominator worldview has wrought (Donald Trump seems like the cherry on the whip cream when you learn this deep history) and then point us to the awesome opportunity to heal and rise from the ashes.Steven Newcomb (Shawnee, Lenape) is one of the world’s leading scholars on the Doctrine of Discovery and Domination, as well as the author of the best-selling book Pagans in the Promised Land: Decoding the Doctrine of Christian Discovery (Fulcrum, 2008). He is a co-producer of the documentary movie, “The Doctrine of Discovery: Unmasking the Domination Code,” directed and produced by Sheldon Wolfchild (Dakota), with narration by Buffy Sainte-Marie (Cree). In 1992, Newcomb, along with Birgil Kills Straight (Oglala Lakota) founded the Indigenous Law Institute and began a global campaign to call upon the Holy See to revoke the Vatican papal bull of discovery and domination of May 4, 1493. That campaign has developed into a worldwide movement.Website: www.originalfreenations.com Here is a photo of him face to face with Pope Francis, asking him to revoke the bull.Shawna Bluestar (Shawnee, Lenape, Azteca) is an international speaker and visionary women’s leadership and business consultant, with a focus on holistic wellbeing and spirituality. She is passionate about helping people find greater meaning by living their purpose, and sharing their unique gifts and voice to help make a positive difference on the planet. Shawna has joined with her father to lead a global movement for conscious change. Together they speak about the negative effects of The Doctrine of Discovery, unmasking The Domination Code and a how to find balance and with healing The Reverence Code, based on ancient and Indigenous wisdom. Shawna shares profound spiritual messages of inspiration and has dedicated her life and work to bring healing for humanity, the planet and future generations.Website: www.shawnabluestar.com Evolving from domination to reverence will take our own species off the Endangered (and Endangering) Species list … and, by getting an understanding of the “invisible” beliefs that perpetuate exploitation of the natural world and other humans, we can create the awareness and acknowledgment that will help us redress and heal the condition. Our species’ life depends on it!Please join us for this sobering, and yet ultimately inspiring conversation about our past, present and future this Tuesday, August 14th at 2 pm PT / 5 pm ET. : http://omtimes.com/iom/shows/wiki-politiki-radio-show/Or, find us on the Wiki archives on Wednesday: http://wikipolitiki.com/archives/How you can support Wiki Politiki — A Clear Voice In The “Bewilderness”If you LOVE what you hear, and appreciate the mission of Wiki Politiki, “put your money where your mouse is” … Join the “upwising” — join the conversation, and become a Wiki Politiki supporter: http://wikipolitiki.com/join-the-upwising/ Go ahead, PATRONIZE me! Support Wiki Politiki monthly through Patreon!

www.craigpeterson.com Talked about who Willie Sutton is in the history of theft, who are the top players is car technology, and how Toyota is moving up the game of smart cars.

Kelly Coughlin: Greetings, this is Kelly Coughlin. A pack of wolves lurked near the sheep at pasture, but the dogs kept them all at a respectful distance and the sheep grazed in perfect safety. But now, the wolves thought of a plan to trick the sheep.  “Why is there always this hostility between us,” they said.  “If it were not for those dogs who are always stirring up trouble, I’m sure we should get along beautifully.  Send them away and you will see what good friends we shall become.”  The sheep were easily fooled.  They persuaded the dogs to go away and that very evening, the wolves had the grandest feast of their lives.    Announcer: Kelly Coughlin, CEO of BankBosun, a management consulting firm helping banks C-level offices, navigate risks, and discover reward. He’s the host of the syndicated audio podcast bankbosun.com.  Kelly brings over 25 years of experience with companies like PWC, Lloyd’s Bank, and Merrill Lynch.  On the podcast Kelly interviews key executives in the banking ecosystem to provide bank C-suite offices risk management, technology, and investment ideas and solutions to help them navigate risks and discovery reward.  Now your host, Kelly Coughlin.    Kelly Coughlin: Hello everybody, this is Kelly Coughlin, CEO of BankBosun, helping C-suite bank executives navigate risks and discover reward.  Today is the first in a series of five podcasts on the subject of cyber security and banking.  Cyber hackers today rob banks much more sophisticated than the days of say Jesse James.  And certainly, they’re much more intelligent than Isaac Davis who committed the very first bank robbery in the US in the year 1798.  Davis robbed the Bank of Pennsylvania at Carpenters Hall in Philadelphia, PA.  He was apparently so stupid that he robbed the bank of over $162,000 and then deposited the funds in his own account at the same bank.  Not very smart. He got busted.    Today’s cyber pirates aren’t that stupid.  They attack the bank’s web application.  They shut down their site for ransom with denial of service attacks. They skim credit and debit cards. They engage in privilege misuse, crime ware, just to name a few.  It’s a huge threat to banks. And the reason I’m putting so much attention and focus to it at BankBosun is the expectation is that more bad guy resources will be directed to community and regional banks in the future for two primary reasons.  Number one, the Willie Sutton factor.  When he was asked by the FBI, “Hey Willie, why do you rob banks?”  He replied, “Because that’s where the money is.”  Then, a second reason, insufficient resources to prevent and detect.  If lower net interest margins and higher regulatory burden weren’t enough, then the additional expense required for cyber security risk management is enough to put you over the top.    So that leads me to my guest for today.  His name is Kris St. Martin.  He’s vice president bank services program direction for CBIZ with over 100 offices and 4,000 associates in most of the major metropolitan and suburban areas throughout the US.  CBIZ delivers financial and employee business services to many organizations of all sizes as well as individual clients by providing national expertise combined with highly personalized services.  CBIZ is a leader in cyber risk including cyber insurance, IT audit, penetration testing, mobile application assessment, digital forensics, cyber risk management, and Kris is a cyber insurance expert, and is a member of the CBIZ national cyber risk management team.  He has more than 23 years of direct bank experience and he’s held many positions in banking.  He’s been providing risk mitigation services since 2009.  So, with that introduction, Kris, are you on the line there?   Kris St. Martin: I am.  Thank you very much for that introduction, Kelly.    Kelly Coughlin: Did I cover all the relevant points in your bio, Kris?   Kris St. Martin: You were very, very thorough.   Kelly Coughlin: Excellent, I like being thorough.  Now, I didn’t include any personal background in there.  Do you want to start off with telling us who you are, family, where you live, that sort of thing?   Kris St. Martin: Sure, absolutely.  As you mentioned, I was in banking for over 20 years.  I live in Plymouth, Minnesota, a suburb just west of Minneapolis.  In my banking days, I was involved in community banking in Plymouth for 20 plus years.  I worked First Bank Systems, which later became US Bank.  I was very familiar with a regional bank becoming a large national bank.  Went to a very small community bank, worked there for four years in my hometown, opened up a branch for them for a couple of years, and then became part of the de novo bank experience in 1999.  We opened up the bank in 2000.  Lived in the same community, Plymouth, for 20 plus years.  Wife of almost 26 years.  Three kids, one is a wildland firefighter; one’s a senior at the University of Minnesota going on to the law school next year; and my daughter has graduated with a marketing degree recently, and works for a hotel chain in the twin city.   Kelly Coughlin: That’s terrific.  Let’s dig right into it, Kris.  Subject today is cyber risk, cyber risk management in the banking ecosystem.  Let me just start out with a very general question here.  From your perspective, what are the cyber risks facing banks today?  What are the key risks that you see they face today?   Kris St. Martin: Well, Kelly, you mentioned a number of them in your introduction and they include probably the largest frequency risk today is the ransomware by cyber extortion.  For the last few years, that was not as prevalent in the financial institution world, because financial institutions were deemed as a little better at backup than other industries such as retail and medical.  The very nature of those are locking up your information and if you haven’t backed up for a few days, that could be very, very costly. So they paused on the banking world for a couple of years, and now it’s getting hit very, very hard.  The other industries have tightened up on their backup procedures.  They tend to be smaller amounts; anywhere from $500 to $50,000.  They can be larger.  They tend to be quick hits, lock up your system.  Data breach is obviously a big one in the banking world, because obviously banks hold a great deal of data. Theft of money is always a big one.    We’ve seen several cases recently where there was some type of hack leading up to obtaining passwords and wiring money out.  In addition to the types of things that are happening, banks are having to deal with, as you mentioned, the regulatory aspect of that.  The regulators are all over this topic and have great expectations when they’re coming in for exams.  Cyber insurance is part of that, where they really didn’t look at that too much in the last couple of years before that.  Now, they’re wanting to know what type of cyber coverage and all your cyber procedures are so it’s put a great deal of burden on them.  The reputation risk for having your information active is enormous to both your reputation, your brand, and litigation from a number of sources if you could have your data breached can be from clients who’ve had their data breached and it could be as more of like a class action if you had 50,000 records breached.  They could all ban together and sue, but it could also be if you’ve lost one really critical piece of data.    Let’s say it was a critical business plan of one of your clients that you obtained in conjunction with a loan request.  Who knows what kind of harm that could cause, if that got in the hand of a competitor?  There’s also some litigation based on what is showing on social media.  Banks often encourage their employees to be on LinkedIn and other social medias to increase the bank’s presence.  There are other things that bankers are on that are not necessarily done with bank approval like Facebook.  So, somebody could be on Facebook and note on there, they’re an employee of XYZ bank and put something disparaging about one of the competitors on there.  It wasn’t necessarily a bank approved type of a thing, but they can be pulled into the litigation because of the reference to the bank.  So there’s a wide variety of cyber risk and financial risk for banks out there right now.   Kelly Coughlin: Now that social media example, that isn’t part of cyber security risk. That’s more reputational risk, other financial risk, but a bank’s employee participating in Facebook for instance, that doesn’t open up risks for cyber-attack, correct?   Kris St. Martin: Not from a cyber-attack, but it can be part of your cyber risk management program.  There’s great expectations from regulators that you are training your employees because there’s a financial risk that can come back to the bank.  So it’s part of your cyber risk management program at the bank not necessarily directly from a hacker.          Kelly Coughlin: Okay.  You guys are in the business of helping banks insure the risk.  In the event of a cyber-attack, they buy an insurance policy that covers their financial risk in the event of some sort of cyber-attack, correct?   Kris St. Martin: Yeah.    Kelly Coughlin: Now, is it fair to say that four years ago cyber risk management was more or less a footnote of a P&C policy or an E&O, D&O type policy?   Kris St. Martin: Right and there’s just only a few remnants of that.  So, for example, in your general liability policy there were many areas in there that could have provided coverage 10 years ago under what’s happening in today’s environment.  Over the years, the carriers have been excluding on your D&O policies, directors and officers liability policies, your professional services policies as well as your general liability policies, anything that’s related to cyber risk.  So today, most directors and officers policies and general liabilities policies exclude anything related to cyber risk.  They push everything towards a cyber policy with only a few exceptions.  The exception to that is in their directors and officers policy, if you look at what happened to Target, the Target breach about three or four years ago, after the smoke cleared the directors and officers were sued for lack of oversight of the cyber risk management program.  That’s where kind of a cyber-related type of thing can still be pulled into a D&O policy, but specifically if officers and directors are named based on decisions made by those directors and officers.  The D&O policy is not going to pay for anything that’s related to your expenses associated with the breach.  In the case of theft of money through hackers, where there is a theft of money, that’s treated under a crime bond policy. So the other exception is if you had a hacker come in, obtain codes to malware or whatever they use, eventually wire money out that’s not retrievable, that actual cash loss, whether it’s the bank or your client, is treated and handled under the bond.  So those are kind of the two remaining policies where there is some related coverage.    Kelly Coughlin: Okay, but business interruption, for instance, let’s say it’s denial of service, which is business interruption, would that be specifically excluded from the other P&C policy that would cover interruption from fire or water, that sort of thing?  Is that specifically excluded?    Kris St. Martin: Yes and with other causes of business interruption, that is included in your traditional package policies.  That has historically been part of those policies, but with a cyber interruption, again, those policies now exclude the business interruption reimbursement and pushed it back to the cyber policy.  If you’re a retailer selling products online and your website goes down for three weeks, it’s very easy to document the lost sales based on a history there.  In the banking world, your primary revenue is going to be your net interest margin, so your loan income is still coming in regardless if your system is down or not.  So the classic business interruption policy is going to pay for the lost income. It’s good to have it in your policy because you never know, but there’s not a lot of claims in there in the banking world because it’s difficult to demonstrate you actually lost income.   Kelly Coughlin: Yeah, I suppose it’s mainly reputational damage, if people go to the site and they can’t access it, and the media gets wind of it, then that’s more harmful than loss of any sales on any given day, correct?   Kris St. Martin: Yes, that is correct.   Kelly Coughlin: So this is a whole new policy that banks now have to include in their portfolio of insurance policies.  That’s good for you in that it’s another policy that you can earn fees on.  Bad for them, it’s another policy that they have to pay fees on, but that’s the brave new world.  Is it fair to say that regulators today are looking for and demanding specific policies related to cyber insurance?    Kris St. Martin: Yeah, it’s interesting from the regulators.  They will come in and they will look at your insurance policies, but there’s very little that they absolutely require on insurance.  The way the regulations are written under there is you don’t necessarily have to have insurance, but you’ve got to convince us that you have a way of self-insuring, or what your plan is.  A bank that’s extremely well capitalized can go in without any insurance policies if they want and say we’re going to self-insure for those.  That’s not very common. So the regulators would come in, they don’t require it, but they will look through the insurance policies and it could be a critical comment, if you didn’t have insurance.  When the regulators come in and look at the cyber program and IT in general right now, the insurances went from low business access loss to a very important part of your cyber risk management and how your IT exam is going to come out.  Again, it’s not a requirement, but it’s going to fall into how you’re rated and the components of the rating for that whole area.  They know that if you do have a cyber breach and you’re making decisions, and you need to make fairly timely decisions, because the harm for not acting quickly exponentially get worse.  Not only financially and reputation wise, so it’s good to know that you would have an insurance available to help you make good, accurate, quick, timely decisions and not make bad decisions based on we don’t have a funding mechanism outside of our own capital.  It’s a very distinct part of that exam, but not required.   Kelly Coughlin: Okay.  If I go back to my consulting days of internal controls, you’ve got three categories of controls; prevention, detection, and correction.  Insurance has been more or less in the correction category.  It’s a way to make people whole, make the company whole.  It really doesn’t prevent and detect things.  Those are internal controls that the company has to adopt and use insurance on the correction side.  As part of the insurance underwriting process, is there any sort of work or effort being done by insurance carriers that helps banks on the prevention and detection side in terms of adopting best practices among the industry?  Do they give discounts in premiums if they have best practices, or not?   Kris St. Martin: I think it’s fairly early on in that world with carriers right now, but if you look at an application from a carrier and try to say okay, why are they asking that, a lot of it gets at the best practices that they’re asking.  They’re going down that path and by the way Kelly, the cyber policies today are not viably priced as of yet in the banking industry.  If you’re a community bank under let’s say a half billion, you can probably get a $3 million limit cyber policy.  Now, there’s going to be different bells and whistles there, but you can probably get something in that range for $8 to $12,000 in that range, for $3 million.  We’ve got small little banks that they’re buying them for million dollar coverage for $3,000.  They’re a pretty good robust policy.  Where underwriters are looking at pricing, they can fairly quantify, if a data breach happens based on a number of records, personal data records that you have, there’s different published amounts of somewhere around $30 per record is going to be what your cost is out of pocket.  They can fairly well quantify the costs to immediately get through the data breach part of it and the carriers are fairly comfortable with the pricing on that.  Where it really gets difficult, is more on the liability side; who’s going to end up suing you; what regulatory body is going to put a fine on you; and that is a really ever-evolving market.    As an example, going back to the critical piece of data, if you lost somebody’s business plan, it gets into the wrong hands, that’s hard to quantify.  It all depends on the circumstances.  It could be a half-million dollar lawsuit, it can be a $10 million lawsuit.  So that’s evolving.  Getting back to kind of your question on the underwriting, the first two things that a cyber underwriter will look at in the big picture of things is number of records that you have.  Records are generally defined on the consumer side, if there’s a social security number associated with a name of loss, that’s automatically going to qualify as triggering a data breach for that particular record.  So you look at the number of records both personal and business, that you hold, and that will be on the application and that will be probably the biggest thing that will set the pricing.  A bank may have 100,000 accounts, either accounts that are closed or current ones, but they may have 25,000 individual individuals who opened all of those accounts.  So the number of records would be the individuals with their social security number and how many of those do you have at the bank.  Historically, if you are retaining that information in current accounts, that’s the primary driver with the cost of cyber insurance right now.    They’re going to look at the annual revenue of the company just to give them a scope of the size and breadth of the company.  It’s not perfect, but it gives them an idea of obviously a bigger company versus a smaller organization, because it’s got more things going.  They have more contracts.  They have more data.  In general, more stuff going on that could potentially fall into the cyber world.  Then, you look at a typical application and look at some of the questions that they’re asking.  Some of them would be maybe a complete take out of hey, we don’t want to write this policy.  Some of them are going to be a little much less alarming, if you had answered no. But if you look at it, there’s a reason they’re asking those questions.  It’s the overall risk to the insurance company.  Same thing for the bank.    For example, one question that’s on many applications and I’ll read one, “Does the applicant restrict employee access to personally identify information on a business need to know basis?”  That’s a pretty general question and most banks are going to say, yes, we make sure, we try to make sure that people can have access to different areas on the computer network based on what they need it for, kind of a need to know type.  That question, I think most banks are going to say yes to that.  Who wouldn’t say that?  But they always want you to kind of think that through and really go back and review that.  Hopefully, if I’m looking at that, not only am I going to say well yeah, but hopefully that causes you to go back and really review that because they’re asking that for a very good reason.  There’s claims history behind those questions.   Kelly Coughlin: Back to my prevention, detection, correction internal control model. On the prevention and detection internal controls, what I think I hear you say, let’s say we have a continuum of one being no internal controls and five being terrific internal controls.  In the underwriting process, if the bank comes in at a one or a two, they’re going to get rejected.  If the bank comes in at a four or a five, they’ll get accepted, but they’re not going to get any discounts. They’re not going to get rewarded for their superior internal control structure, but they’ll get accepted.  So if they’re a 3, 4, 5, then they get lumped in terms of the same pricing, but they won’t get rejected.   Kris St. Martin: Yeah, I think that’s a fair statement.  What will happen over time as there is more and more claims history with these carriers, they’re going to be able to get even more defined on that type of thought process.  If they know that, in my example that I talked about under being able to restrict your employees to only certain applications within your system. If that became more and more of a claim problem for carriers, they’re probably going to dig deeper into that and actually ask more and more questions beyond that and have you document that and also base the pricing on that more and more.  So yes, there is definitely some underwriting based on your current procedures in place.  I think just based on where claims are going, there’s going to be more and more of that.   Kelly Coughlin: What’s your expectation in terms of likelihood on the pricing part?  Do you think they’re going to increase or decrease, or stay the same over the next 12 months and then even farther out from that?   Kris St. Martin: Yeah, I think it’s going to be a little bit like the hurricane effect in general P&C insurance.  Whenever there’s a big hurricane, that’s going to affect everybody’s homeowner policy for a couple of years.  Everybody will see the cost of premiums will spread out a little bit.  I think you’re going to see that in cyber.  Right now, there are a number of claims out there, but it’s not to the point where I don’t think that the premiums the carriers are changing isn’t supporting it.  The carriers are a profit business like anybody else. They try not to pay out more than 50% of what they charge in premiums on claims, kind of a rule of thumb and then the other 50% is profit and paying for the rest of your operation. When you see that pay out starting to exceed that kind of industry percentage, that’s when you start seeing the premiums go up. That would just take enormous breaches or volume of community bank breaches, then it’s going to be all claims related.    So, as of right now, based on what the pattern of claims are, it should be pretty steady, but with a caveat that it wouldn’t take much if there’s a couple of alarge financial institutions or a bunch of smaller ones, you’re starting to get into hundreds of millions of dollars of claims, that could push prices up in a hurry.  The other part to that is there’s also a future expectation of risk of what’s going on, they can push it up also.  Even if the claims haven’t quite hit yet, if there is a more and more devious way to harm banks than before and that comes out, and there’s a fear of that, you may see some underwriters starting to push the premiums up in anticipation of that.  They don’t have any reason to believe right now, based on what’s been happening, that we’re going to see premiums drastically increase in 12 months.   Kelly Coughlin: Well, that’s it for part one of my interview with Kris St. Martin, a bank cyber security expert at CBIZ.  In part two, we’ll talk more about what drives premium costs and once a bank experiences a cyber intrusion then what are the actual types of costs the bank can insure, and how to make sure that these costs are recoverable in an insurance claim.    Announcer: We want to thank you for listening to the syndicated audio program bankbosun.com.  The audio content is produced and syndicated by Seth Green, market domination with the help of Kevin Boyle.  Video content is produced by The Guildmaster Studio, Keenan Bobson Boyle.  Voice introduction is me, Karim Kronfil. The program is hosted by Kelly Coughlin.  If you like this program, please tell us. If you don’t, please tell us how we can improve it.  Now, some disclaimers.  Kelly is licensed with the Minnesota State Board of Accountancy as a Certified Public Accountant.  The views expressed here are solely those of Kelly Coughlin and his guests in their private capacity and do not in any way, represent the views of any other agent, principal, employer, employee, lender, or supplier. 

In this episode,  I review some of the philosophy, principles, and values of the show and also express my commitment to my mission and vision for my podcast and business. I also announce the new exciting format of our show! The Cashflow Ninja podcast will have three episode's moving forward, two episodes will have guest interviews and one self-hosted. The publishing date of our shows are Monday, Wednesday,  and Friday. I also discuss a lesson we can all learn from a notorious bank robber, Willie Sutton. When Willie Sutton was finally caught, he was asked why he robbed banks. Willie's response floored the press and public. "That's where they kept the money.". We look at where the money is right now and how the modern day bank robbers are possibly going to try and steal your money from you. Please let me know your thoughts on this episode on twitter, @mclaubscher or e-mail me at mc@cashflowninja.com.   Support Our Sponsors Healthy ONNIT, use coupon code GETONNIT to receive 10% off your order when you use it at www.cashflowninjahealth.com Wealthy Fundrise, a great way to participate in commercial real estate investments. Learn more at www.cashflowninjawealth.com Wise Audible, download any audio book for FREE when you try Audible for 30 days.Download your book at www.cashflowninjabook.com   Thanks so much for joining me again this week. Have some feedback you'd like to share? Leave a note in the comment section below! If you enjoyed this episode, please share it using the social media buttons you see at the bottom of the post! Also, please leave an honest review for the Cashflow Ninja Podcast on iTunes. Ratings and reviews are extremely helpful and greatly appreciated! They do matter in the rankings of the show, and I read each and every one of them. And finally, don't forget to subscribe to the show on iTunes to get automatic updates, please follow me on twitter @mclaubscher and instagram, @cashflowninjapodcast. Special thanks to  for joining me this week. Until next time! Until next time! Live a life of passion and purpose on YOUR terms, M.C.

“It is a rather pleasant experience to be alone in a bank at night.” –Willie Sutton-Bank Robber William Francis “Willie” Sutton Jr. was born on June 30th, 1901 in Greenpoint, Brooklyn, a poor tenement neighborhood known at the time as Irishtown. He was the son of a blacksmith and the fourth of five children. His mother was a devout Irish Catholic who suffered from depression, which was said to be caused by the early death of a daughter. His father, William Sr., traveled for work and was absent more times from home than not. It was a tough time for the US, but for Irishtown in particular. Willie, a small child who was always fast, wiry, and quick-witted, left school before the eighth grade, but didn’t give up on education entirely. Brooklyn in the early twentieth century was a master-class in crime for a guy who knew how to apply himself, and if Willie Sutton was anything, it was industrious. He tried his hand early on at gainful employment, but honest work didn’t seem to suit Willie. He toiled as a store clerk, a gardener, as well as a driller, but said in an interview later that his longest period of “legal” employment was 18 months.

In today's podcast we offer a quick survey of the vast and spreading Ransomware landscape. (And talk about some other bits of cybercrime as well, but if Willie Sutton were alive today, and had an Internet connection, he'd be into ransomware.) Brexit's implications remain under study and speculation, but many see a shift in the tech startup scene in the general direction of Berlin. Most observers have now concluded that the DNC hack was a Russian job (and not the work of a lone hacktivist). Joe Carrigan from the Johns Hopkins University Information Security Institute reminds us why we shouldn't reuse passwords.

[intro music] Host – Dan Keller Hello, and welcome to Episode Eight-two of Multiple Sclerosis Discovery, the podcast of the MS Discovery Forum. I’m Dan Keller. Depression affects as many as 50 percent of people with MS during their lifetimes. But according to Dr. Adam Kaplin, a psychiatrist in the Johns Hopkins MS Center in Baltimore, it is treatable to a large extent, and with good results. Dr. Kaplin studies the immune basis of depression and cognitive impairment, specifically in MS and central nervous system-related autoimmune diseases. We met in Baltimore. Interviewer – Dan Keller Let’s talk about depression in multiple sclerosis. Is it a reaction to someone having a chronic disease, or is there something more going on because of the disease? Interviewee – Adam Kaplin It’s a great question, and what I will tell you is one of my patients says to me that you’re either stressed, or you’re dead. We all have stress going on, and it’s always possible to look at something in our life and say, ah, that’s what caused the trouble. But we know now, in multiple sclerosis, the depression is due primarily and dramatically significantly to the inflammation going on in the brain that causes all of the symptoms that you see in MS, such as cognitive impairment, or weakness/numbness/tingling, autonomic nervous system dysfunction; all of those are effects of the MS on the CNS. And in the case of depression, it is similar. It’s not a character flaw. It’s not a personal weakness. And just to, you know, clarify, one of the best pieces of evidence we have for that is, number 1, that people who are depressed with MS, it does not correlate with their EDSS scores. It doesn’t correlate with their level of disabilities. So if it was you know, gee, it’s just a matter of stress, then those people who are in wheel chairs or on ventilators should be depressed, and those people who are upright and walking around shouldn’t. But in fact, I think the key element is that this is one of the, as they often say, silent symptoms of MS. It occurs to 50% of patients across their lifetime. And it is important you know for people to understand that this is not something that people aren’t rising to the occasion, or those kinds of things. MSDF Is depression accompanying MS more prevalent than in the general population, and how serious is it? Dr. Kaplin You know people often ask why, as a neuropsychiatrist, why study MS? And I say, you know, why did Willie Sutton rob banks? That’s where the money is. MS has the highest rate of clinical depression of any medical neurological or surgical disease. Again, 50% of people, following the diagnosis of MS, will have a clinical depression. We can talk about what that is. And it turns out that that’s in any clinic you go into – neurology clinic – that’s one in four patients. If you go out to the waiting room, one in four patients will be suffering from a clinical depression. MSDF How serious a problem is it? What aspects of life does it affect? Does it affect everything, and how serious is it? Dr. Kaplin I think what is often misunderstood about the depression in MS is, I would argue, that it has the highest morbidity and mortality of any of the symptoms of MS, in the sense that it is the third leading cause of death in the largest study that looked at, across the lifespan, what causes death in people with MS, [found] a study out of Canada, where it’s more prevalent because of the higher elevation and the lower vitamin D levels, probably. And it is absolutely the case that seven-and-a-half times the rate – the suicide rate in MS – to the general population. And in fact, in the studies that were done, 30% of people with multiple sclerosis will have thoughts of suicide at some point during their life. Ten percent – fully 10% will attempt suicide. And that lethality is profound. But if it doesn’t kill you, it is important to understand that it has significant, significant morbidity associated with it. Just to begin with, the number one correlate of quality of life of patients—more important than their pain, or more important than their cognitive impairment, or weakness, or other symptoms—the number one correlate of the quality of life of the patient is their depression or whether they are depressed or not. And it’s similarly the number one quality of life of the care givers—not whether they have to push them around in a wheelchair, it is whether their loved one is suffering from a clinical depression. So it has significant morbidity and mortality associated with it. MSDF Are there aspects of serious depression in MS that are very characteristic? Any different from other severe depression? Or can it be recognized in the same way with the same diagnostic criteria? Dr. Kaplin There actually are some specifics to MS, although that hasn’t been well-published. I can be clear about things that are well-supported by the literature, and then those that are my clinical experiences. What I can tell you is that the way we diagnose depression in MS is the same way we diagnose depression in people without MS, which is you have to have 5 of 9 symptoms greater than two weeks, one of which must be either decreased mood or decreased interest. And we remember it by SIG-EM-CAPS, the nine symptoms. Trouble with sleep, where people are often having early morning awakenings or hypersomnia where they just sleep all day. Loss of interest, people’s get up and go has gotten up and gone. Feelings of guilt or worthlessness – and that’s a big problem, because patients who are depressed as a result of that often won’t seek help. You have to ask about it. They won’t volunteer it. And loss of energy or fatigue; low mood – that’s the sadness part; concentration problem; appetite changes, either increased or decreased weight; and psychomotor retardation, they’re not their normal bubbly self; and thoughts of death or suicide. With MS, what I will tell you, I find that patients with MS often, rather than sadness, have very frequently irritability. That tends to be more common. And sleep is usually decreased, not increased, so I see very frequently increased early morning awakening and those kinds of things. One pearl, though, to keep in mind is – or two pearls – if you’re trying to make the diagnosis of depression in somebody with MS, the first thing to do, because there are overlapped symptoms like fatigue, like concentration problems between depression and MS, so there is frequently, in up to 80% of people, will have diurnal variations in their moods; so usually worst in the morning and better at night. Sometimes it’s reversed, but you know that person has the same life circumstance, the same disease circumstance in the evening that they did in the morning, but their mood has changed dramatically, often, with MS with these cyclical changes. And that’s a good indication that it’s not demoralization; it’s depression. The other thing is ask the loved one. Get an outside informant, because nobody gets the brunt of it quite like the family. And they know that person, and if the family member says the one thing I hear so often, this is not the person I married, then you’re pretty much on the right track if you’re thinking about depression. MSDF How amenable to treatment is depression in MS? Dr. Kaplin I think that that is probably one of the key aspects is to understand that it is very treatable. So my expectation when patients come to me and I diagnose them with depression is that I will get them a hundred percent well with respect to those SIG-EM-CAPS symptoms, back to their baseline. And it’s very hard to get patients a hundred percent well from their gait problems; a hundred percent well from their cognitive problems. And, again, what I tell people is, look, I can’t tell you whether your cognitive impairment is due to the depression or due to the MS, or maybe it’s 10% depression/90% MS or 90% depression/10% MS. But I can promise you this: treating the depression, the depression is much more amenable to treatment. We don’t have good treatments for cognitive impairment in MS to reverse the cognitive impairment, but boy, we can reverse it if it’s a symptom of depression. What’s really exciting now is that we are now understanding more and more that many of the treatments you use for depression end up being good nerve tonics. So, there was a double-blind placebo-controlled study of fluoxetine demonstrating that, in patients who weren’t depressed with MS, they had fewer gadolinium-enhancing lesions over 24 weeks. And then there was the FLAME study in a related kind of way looking at fluoxetine as a way of significantly enhancing the recovery of hemiplegic stroke patients. So it turns out that I wasn’t so misguided in thinking that studying the immune basis of depression would be important, because as it turns out, our treatments actually do have an effect on the nervous system and the immune system for general types of depression as well. MSDF That sort of covers the SSRI class. What about tricyclic antidepressants? What about SNRIs? Do those fit in? Dr. Kaplin Yes, so absolutely. So the topic of how to choose and select the right treatment for patients with MS is … we could spend an hour and just sort of get only the highlights done there. But generally there’re sort of two strategies. One is to use a medication that has the fewest side effects, so that you won’t have drug-drug interactions with the patient if they’re on a numerous medicines for other concerns—their other symptoms and syndromes—that the antidepressant won’t interfere with it. And so along those lines, escitalopram and sertraline have the fewest drug-drug interactions. You essentially don’t need to look up drug-drug interactions if your patient is on one of those two medicines. The other approach is to say let’s choose a medicine that will have favorability with respect to the side effects, will be beneficial for the problems that the patient has. So a classic example is duloxetine is FDA-approved, not just for depression, not just for anxiety, but also for neuropathic and musculoskeletal pain. So here you’re talking about one treatment that will help you with the fact that your patient, their depression will get better; their neuropathic pain will get better if they have migraines—which are often a comorbidity—that will also benefit the neuropathic pain from that as well. And you know you will get two birds with one stone, as it were. And then the tricyclics, as you had asked about, we’ve had a lot of experience with them. They also will benefit in terms of the urinary incontinence problem. They are strongly anticholinergic, and so you can also benefit in terms of preventing the urinary/bowel problems. So really Cymbalta as just sort of son-of-tricyclics, has some fewer side effects, but doesn’t, therefore, cover some of the things that the tricyclics will. MSDF As you alluded to earlier, the depression in MS may largely be a result of immune processes going on—inflammation, cytokines, things like that. So how well do the disease-modifying therapies of MS attack the depression? Dr. Kaplin You know you mentioned cytokines. So that is another way that we know that this is due to the inflammation—the depression in MS—and not just other things, because for instance, interferon-alpha used to treat patients with hepatitis C will cause depression in upwards of 20 to 25% of people who take it, not when they first start it, but within you know a week to two weeks after starting it, you know, then up to eight weeks. So that’s just one cytokine, and in MS, all of the cytokines get activated. And similarly, interferon-beta that’s used, or Copaxone, you know, the ABCR drugs that we’ve used to try to—you know, with great effect since 1993—to slow the exacerbations down in MS; they don’t stop the inflammation, they just alter it. And so not surprisingly, they do not have antidepressant properties. But when you look at something like Tysabri, we actually have not published this yet. We did present it at a MS conference but working in collaboration with Biogen. We are going to publish shortly data that shows that, in a double-blind placebo-controlled study of adding natalizumab to Avonex, or adding placebo to Avonex, those patients who were depressed to begin with show a dramatic and statistically significantly decrease in their depression as a result of the natalizumab. So natalizumab is actually quite a good antidepressant—we have data for it—because that really does shut the inflammation down in the brain, and since that’s causing the depression in MS, that’s what benefits them. MSDF Just to clarify, natalizumab is a good antidepressant in MS. Dr. Kaplin Exactly right. That’s exactly right. Although, you know, it’s good that you clarified that. What’s interesting is that now that people are beginning to appreciate the role of the immune system in idiopathic depression, people are beginning to say, hmm, maybe we should be looking at these anti-inflammatories and seeing if the anti-inflammatories benefit patients with depression. Now, nobody has tried natalizumab, but TNF-alpha inhibitors have actually been tried. There was a study out of Emory looking at using TNF-alpha inhibitors for refractory depression. And I think coming down the road there will be more and more studies that begin to show the role of anti-inflammatories for not all, but some people with refractory depression. MSDF Yes, I’ve seen some studies on anti-inflammatories—traditional ones, NSAIDS sort of things—presented a German study at a neurology conference. Didn’t do too much. Dr. Kaplin Yes. What I can tell you is that not all NSAIDs are created equal. Celecoxib actually now has five studies that are placebo-controlled that have shown its benefit for depression or bipolar disorder. And so when added to antidepressant by itself: No. But when added to fluoxetine or—I can’t remember what other; it might have been sertraline—it clearly had a statistically significant improvement in the depression response, celecoxib. But not all NSAIDs are created the same. MSDF What about non-drug therapies, cognitive behavioral therapy, even just physical activity? And, if someone’s depressed, isn’t it hard to get them up and do physical activity? Dr. Kaplin Well, I’m so glad brought that up, because I’d be remiss to forget that. So all of the data says, look, therapies like cognitive behavioral therapy are effective for mild and moderate depression. Antidepressants are effective as well. The data shows that the antidepressants work quicker, but that the combination of antidepressants and psychotherapy is much better than either one alone. So that’s a crucial issue. And to make sense of what has happened—and often when people are depressed, they’ve been depressed, and that’s caused damage to their professional life and personal life, and having someone help them sort of, depending how long the depression’s been going on, sort of talk them through, coach them through, how to get back up and going. However, in severe depression, you can talk till the cows come home. If your patient is so depressed that basically they have this tunnel vision, and all of the options that are in front of them, the kind of mental flexibility that you need for CBT to work, for instance, it will not work if you patient is really severely depressed. You have to get them started with the antidepressant, which really then serves as a catalyst for the psychotherapy to kick in. And then the aspect of exercise, you can’t really pick a topic related to MS where the answer isn’t exercise. Cognitive impairment, absolutely exercise is beneficial. Depression, exercise is beneficial. It stimulates growth hormones that have positive neurological effects on the CNS, as well as on the peripheral nervous system and body. What I tell people, again, is that if your patient is severely depressed, they’re not going just go back out and start running. So you’ve got to begin to have a plan where you say, look, we’re going to begin this medicine. As you start to be able to have the ability to you know maybe push yourself more than you might usually and just sort of walk down the block, and then you know walk for a mile and then start jogging for a mile and sort of build up to it, that’s very beneficial. MSDF Are there barriers to recognizing and/or treating depression both on the patient’s side and on the physician’s side? Dr. Kaplin The big barrier on the physician’s side is, you know, don’t ask, don’t tell. So if you don’t think of depression, or worse, if the neurologist says, well, I went into neurology not psychiatry, you know, this whole depression thing, that’s not my bailiwick, that’s not my responsibility, you’re missing the fact that this is —first of all, this is very rewarding. There’s nothing else that you could treat that gets a patient from being non-functional, sitting at home, not taking care of the family, not working, in a bed to fully functional, taking care of the family, back at work, like treating the depression can. But also it is. It affects all aspects. It affects the patient’s compliance with all your other medicines. It affects their ability to exercise, etc., etc. So, you know, you’ve got to think of it. And then you have to know something about treating it. One of the big problems with neurologists when they treat depression is that they don’t appreciate the fact that the goal is to get that patient a hundred percent well, because you sort of have this sigma curve where, if you get them 50% well, they’re still in that sort of steep portion of the curve where something comes along—an MS attack or you even a viral infection—and they will slip right down that curve. Whereas, if you can push them way out into the hundred percent well, that’s great. Now you can’t always do it with one medicine. You take the dose as high as the patient can tolerate, where the side effects don’t become worse than the depression you’re trying to treat. But then you might need to add another medicine, an augmenting agent or something, so you’ve got to make sure you recognize it and treat it. And then, what I always tell my colleagues—and my colleagues at Hopkins are wonderful; they do appreciate you know you’re treating the whole patient, not just you know their reflex arcs and that kind of stuff—and what they are very good at is, if the patient is depressed and suicidal, that is the psychiatric equivalent of a heart attack. So then they will get in touch with me and we’ll work together. So if you’ve got someone who’s suicidal, you really want to get in touch. Unless you have the utmost experience and confidence in treating the worst cases of depression, you probably want to get a psychiatrist involved, or mental health professional involved, to help coordinate the care for someone like them. MSDF Very good! I appreciate it. [transition music] MSDF Thank you for listening to Episode Eighty-two of Multiple Sclerosis Discovery. This podcast was produced by the MS Discovery Forum, MSDF, the premier source of independent news and information on MS research. MSDF’s executive editor is Carol Cruzan Morton. Msdiscovery.org is part of the nonprofit Accelerated Cure Project for Multiple Sclerosis. Robert McBurney is our President and CEO, and Hollie Schmidt is Vice President of Scientific Operations. Msdiscovery.org aims to focus attention on what is known and not yet known about the causes of MS and related conditions, their pathological mechanisms, and potential ways to intervene. By communicating this information in a way that builds bridges among different disciplines, we hope to open new routes toward significant clinical advances. [outro music] We’re interested in your opinions. Please join the discussion on one of our online forums or send comments, criticisms, and suggestions to editor@msdiscovery.org. For Multiple Sclerosis Discovery, I'm Dan Keller.

Willie Sutton robbed banks, "because that's where the money is" which makes clear why so many new banks are coming to New York City. With 8.5 million people, 85 million visitors, a GMP of $1.5 trillion, NY is an attractive "hot economy."

Willie Sutton was a prolific bank robber. When asked why he did it, he commented, “That’s where the money is.” The same can be said about why you should be selling into big companies… they have the money. But just like banks, corporations have their points of entry locked down. Jill Konrath has cracked the code and taken the mystery out of selling to corporate behemoths. She shares her insights from her bestselling book, “Selling to Big Companies” with BizTalk Host Jim Lobaito.