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Episode 198:Becoming A Disability Confident Employer with Tova Sherman  With the recent events that have occurred, employers are taking steps to embrace diversity and inclusion. However, there is a group that is often left out and forgotten.  In this episode, Tova Sherman joins us to break the silence surrounding disabilities in the workplace. Tova Sherman is a seasoned leader with over 25 years of expertise in the diversity and inclusion arena.  As the CEO of reachAbility and an award-winning agency devoted to destigmatizing disabilities of all kinds, she is committed to empowering anyone without a voice. In her book, "Win, Win, Win! The 18 Inclusion-isms You Need to Become a Disability Confident Employer", Tova offers a fresh perspective on workplace inclusion, not only exploring the definition of disability but also acknowledging the fact disabilities are not as uncommon as some of us may think. Her personal challenges associated with living on the ADHD spectrum inform her empathy and commitment to equalizing the playing field for those with disabilities. Tune in and learn how you can become a disability confident employer and leader.  Connect with Tova: https://www.reachability.org/tova Connect with Carolyn: https://carolyn360.com       

You Need to Start Using Burner Identities ASAP! In this day and age, if you don't have a burner identity, you are really risking things from having your identities stolen through these business email compromises. It's really crazy. That's what we're going to talk about. [Automated transcript] An essential part of keeping ourselves safe in this day and age is to confuse the hackers. The hackers are out there. They're trying to do some things. Ransomware, for instance, like[00:00:30] business email compromise, is one of the most significant crimes times out there today. It hits the news legitimately. It's terrifying. It can really destroy your business, and it can hurt you badly. If you're an individual, you don't want ransomware. How about those emails that come in? In fact, I just got an email from a listener this week, and they got a phone. His wife answered, and it was [00:01:00] Amazon on the phone, and Amazon said, Hey, listen, your account's been hacked. We need to clear it up so that your identity doesn't get stolen. And there's a fee for this. It's a $500 fee. And what you have to do is just go to amazon.com. Buy a gift card, and we'll then take that gift card number from you. And we'll use that as the fee to help recover your stolen information. [00:01:30] So she went ahead and did it, and she went ahead and did all of the things that the hackers wanted. And now they had a gift card. Thank you very much. We'll follow up on this and. Now she told her husband, and of course, this isn't a sex-specific thing, right? It could have happened to either one. My dad fell for one of these scams as well. So she told her husband, or her husband looked at what had happened and [00:02:00] said, oh my gosh, Don't think this is right. Let me tell you, first of all, Amazon, your bank, various credit card companies are not going to call you on the phone. They'll send you a message right from their app, which is usually how I get notified about something. Or they will send an email to the registered email app. No, that you set up on that account. So that [00:02:30] email address then is used by them to contact you, pretty simple. Or they might send you a text message. If you've registered a phone for notifications, that's how they contact you. It's like the IRS. I was at a trade show, and I was on the floor. We were exempt. And I got no less than six phone calls from a lady claiming to be from the IRS, and I needed to [00:03:00] pay right away. And if I didn't pay right away, they were going to seize everything. And so all I had to do was. Buy a gift card, a visa gift card, give her the number and use that to pay the taxes. And this lady had an American accent to one that you would recognize. I'm sure. And it's not something that they do now. They do send emails, as I [00:03:30] said. So the part of the problem with sending emails is it really them? Are they sending a legitimate email to a legitimate email address? Always a good question. Yeah. Here's the answer. Yeah, they'll do that. But how do you know that it isn't a hacker sending you the email? It can get pretty complicated. Looking into the email headers, trying to track. Where did this come from? Which email servers did it go through? [00:04:00] Was it authenticated? Did we accept? Did the provider use proper records in their DNS, the SPIF, et cetera, to ensure that it's legitimate? How do you follow up on that? That's what we do for our clients. And it gets pretty complicated looking at DKMS and everything else to verify that it was legitimate, ensuring that the email came from a registered MX server from the actual [00:04:30] server. There is a way around this. And this has to do with the identities, having these fake burner identities. I've been doing this for decades myself, but now it's easy enough for anybody to be able to do it. There are some services out. And one of the more recommended ones. And this is even the New York times; they have an article about this. They [00:05:00] prefer something called simple login. You can find them online. You can go to simple login dot I O. To get started now, it's pretty darn cool. Cause they're using what's called open-source software, it's software. So can anybody examine to figure out this is legitimate or not? And of course, it is fair, but it's all out there for the whole world to see. And that means it's less likely in some ways to be hacked. There are people who [00:05:30] argue that having open-source software means even more. In some ways, you are, but in most ways, you're not; anyway, it doesn't matter. Simple login.io. Now, why would you consider doing this? Something like simple login? Simple login is friendly because it allows you to create dozens and dozens of different email addresses. And the idea is with a simple login, it will [00:06:00] forward the email to you at your actual email address. So let's say you're doing some online shopping. So you can go ahead and set up an email address for, whatever it is, shopping company.com that you're going to use a shopping company.com. So you'd go there. You put into simple login "I want to create a new identity," and you tag what it's for. You then go to some shopping company.com and [00:06:30] use the email address generated for you by simple login. Now you're a simple login account. Is it going to be tied into your real email account, wherever that might be if you're using proton mail, which is a very secure email system, or if using outlook or heaven forbid Gmail or one of these others, the email will be forwarded to you. You will be able to see that indeed, that [00:07:00] email was sent to you. So shopping company.com email address or your bank of America, email address, et cetera, et cetera, that makes it much easier for you to be able to tell, was this a legitimate email? So, in other words, if your bank's really trying to get ahold of you, and they're going to send you an email, they're going to send you an email to an address that you use exclusively. For bank of America. In reality, you only have the one email [00:07:30] box over there wherever proton, mail, outlook, Gmail, your business Excel. You only have that one box you have to look at, but the email is sent to simple login. Does that make sense? You guys, so you can create these alias email boxes. It will go ahead and forward. Any emails sent to them, to you, and you'll be able to tell if this was indeed from the company, because [00:08:00] that's the only place that you use that email address. That makes it simple, but you don't have to maintain dozens or hundreds of email accounts. You only have one email account. And by the way, you can respond to the email using that unique aliased email address you created for the shopping company or bank of America or TD or whomever. It might be, you can send from that address as well. [00:08:30] So check it out online, simple login dot IO. I really liked this idea. It has been used by a lot of people over, out there. Now here's one other thing that it does for you, and this is important as well. Not using the same email address. Everywhere means that when the hackers get your email address from shopping company.com or wherever, pets.com, you name it. [00:09:00] They can not take that and put it together with other information and use that for business, email compromise. Does that make sense? It's it makes it pretty simple, pretty straightforward. Don't get caught in the whole business email compromise thing. It can really hurt. And it has; it's one of the worst things out there right now, dollar for dollar, it's right up there. It, by the way, is one of the ways they get ransomware into your [00:09:30] systems. So be very careful about that. Always use a different email address for every Website you sign up for. Oh, and they do have paid plans like a $30 a year plan over at simple IO will get you unlimited aliases, unlimited mailboxes, even your own domain name. So it makes it pretty simple, pretty handy. There are other things you might want to do, for instance, use virtual credit cards. [00:10:00] And we'll talk about those a little bit. As well, because I think this is very important. But, hey, I want to remind everybody that I have started putting together some pieces of training. You're going to get a little training at least once a week, and we're going to put all of that into it. What we have been calling our newsletter. I think we might change the name of it a little bit, but you'll be getting those every week. And the only way to get those is to be on [00:10:30] that email list. Go to Craig peterson.com/subscribe. Please do that right now. I am not going to harass you. I'm not going to be one of those. And I've never been one of those internet marketers that sending you multiple dozens of emails a day. But I do want to keep you up to date. So stick around; we will be back here in just a couple of minutes. And, of course, you're listening to Craig Peter's son. [00:11:00] And again, the Website, Craig peterson.com. Stick around. Cause we'll be right back. One of the best ways to preserve your security online is by using what we're calling burner identities, something that I've been doing for more than 30 years. We're going to talk more about how to do that right now.  You can do some things [00:11:30] to help keep yourself and your identity safe online. We've talked about email and how important that is. I want to talk now about fake identities. Now, a lot of people get worried about it. It sounds like it might be sketchy, but it is not to use fake identities to confuse the hackers to make it. So they really can't do the [00:12:00] things that they. To do, they can't send you fishing ear emails, particularly spear-phishing emails. That'll catch you off guard because you're using a fake. How do you do that? I mentioned to you before that I have thousands of fake identities that I created using census data. And I'm going to tell you how you can do it as well. There's a website out there called fake [00:12:30] name a generator. You'll find it online@fakenamegenerator.com. I'm on that page right now. And I'm looking at a randomly generated identity. It has the option right on this page to specify the sex. And it says random by default, the name set, I chose American the country United States. So it is applying both American [00:13:00] and Hispanic names to this creation. And now remember it's creating based on census data and some other public data. But, still, it is not giving you one identity of any real people. So I think that's important to remember, and you're not going to use these identities for illegal purposes. And that includes, obviously, when you set up a bank account, you have to use your real [00:13:30] name. However, you don't have to use yours. If you have an actual email address, you can use things like simple login that will forward the email to you, but we'll let you know who was sent to. And if you only use that one email address for the bank, you know that it came from the bank or the email address was stolen from the bank. All of that stuff. We've talked about that already. So, in this case, The name that has come up with [00:14:00] for me is Maurice de St. George in Jacksonville, Florida even gives an address. In this case it's 36 54 Willis avenue in Jacksonville, Florida. So if I go right now two, I'm going to use Google maps, and I will put in that address. Here we go. Jacksonville willows avenue, all the guests. What? There is Willis avenue in Jacksonville [00:14:30], and it showing hoes oh, from Google street view. Let me pull that up even bigger. And there it is. So ta-da, it looks like it gave me. Fairly real address. Now the address it provided me was 36 54, which does not exist. There is a 365, but anyway, so it is a fake street address. So that's good to know some, if [00:15:00] I were to use this, I'm going to get mine. Am I male saying about I pass. Maurissa tells you what Maurice means, which is neat. It'll give you a mother's maiden name. Gremillion is what gave me here a social security number. So it creates one that passes what's called a checksum test so that if you put it into a computer system, it's going to do a real quick check and say, yeah, it looks good to me. So it was not just the right [00:15:30] number of digits. It also passes the check, some tasks. Well-known how to do a checksum on their social security numbers. So again, it's no big deal. And remember, you're not going to use this to defraud anyone. You're going to use this for websites that don't really need to know; give me a break. Why do you need all this information? It gives me a phone number with the right area code. And so I'm going to go ahead and look up this phone number right now. Remember, use duck go. Some [00:16:00] people will use Google search, and it says the phone number gave me is a robocall. As I slide down, there's some complaints on that. So there you go. So they giving us a phone number that is not a real person's phone number, country code, of course one, cause I said United state birth date. Oh, I was born October 7th, year, 2000. I'm 20 years old. And that means I'm a Libra. Hey, look at all this stuff. So it's giving me an [00:16:30] email address, which is a real email address that you can click to activate or right there. Again, I mentioned the simple login.io earlier, but you can do a right here, and it's got a username and created for me a password, which is actually a pretty deal. Password. It's a random one, a website for me, my browser user agent, a MasterCard, a fake MasterCard number with an expiration and a [00:17:00] CVC to code all of this stuff. My height is five-six on kind of short. My weight is 186 pounds own negative blood type ups tracking number Western union number MoneyGram number. My favorite color is blue, and I drive a 2004 Kia Sorento, and it also has a unique ID. And you can use that wherever you want. So the reason I brought this up again, it's called [00:17:30] fake name generator.com is when you are going to a website where there is no legal responsibility for you to tell them the truth. You can use this. And so I've used it all over the place. For instance, get hub where you have it's a site that allows you to have software projects as you're developing software. So you can put stuff in, get hub. They don't know to know, need to [00:18:00] know who I really am. Now they have a credit card number for me. Because I'm on a paid plan. I pay every month, but guess what? It isn't my real credit card number. It isn't the number that I got from fake name generator. My credit card company allows me to generate either a single use credit card numbers, or in this case, a credit card number for get hub dock. So just as an example, that's how I use it. So we've get hub gets hacked, the [00:18:30] hackers, have an email address and a name that tipped me off right away, where this is coming from. And if the email didn't come from GitHub by no, they either sold my information to a marketing company, or this is a hacker. Trying to manipulate me through some form of his fishing scheme. So I know you guys are the breasts and best and brightest. A lot of you understand what I'm talking about, and I'm talking about how you [00:19:00] can create a burner identity. And let me tell you, it is more important today to create a burner identity. Than it has ever been at any point in the past, because frankly, burner identities are one of the ways that you can really mess up some of the marketing firms out there that are trying to put the information together, these data aggregator companies, and also the hackers. And it's really the hackers that [00:19:30] were off up against here. And we're trying to prevent them from. Getting all of this information. So when we come back, I want to talk about the next step, which is which credit cards can you get? These single use card numbers from? Should you consider using PayPal when my Google voice be a really good alternative for you? So we're going to get into all that stuff. Stick around in the [00:20:00] meantime, make sure you go to Craig peterson.com/subscribe. Get my newsletter. All of this. Is in there. It makes it simple. It's a simple thing to do. Craig Peterson.com. And if you have any questions, just email me, M e@craigpeterson.com. Having your credit card stolen can be a real problem for any one of us. It gives the bad [00:20:30] guys, a lot of options to spend a lot of money very quickly. We're going to talk right now about virtual credit cards. What are they, what does it mean?  Virtual credit cards come in two basic forms. One is a single use credit card, which was quite popular back when these things first came out, and another one is a virtual credit card that has either a specific life. In other words, it's only good for 30 days [00:21:00] or that can be used until you cancel it. If you have a credit card, a visa, MasterCard, American express, discover all of the major card issuers will give you the ability to reverse any charges that might come onto your cards. If your card is stolen or misused. Now that makes it quite easy. Doesn't it? I want to point out that if you're using [00:21:30] a debit card, as opposed to a credit card, there's not much challenging you can do with the credit card. You can say, I am not going to make my payment. And because of this, that, and the other thing, this was stolen, et cetera, they can file it as a disputed charge. They can do an investigation to find out. Yeah. I'm you probably were not at a bus terminal down in Mexico City, which happened to me. Because I was up [00:22:00] here in New Hampshire, quite a ways down to Mexico City. And so they just reversed it out. That money never came out of my bank account because it was on a credit card. If I were using a debit card. That money would have come right out of my account. Now, mind you, a bus ticket in Mexico city is not very expensive, but many people have had charges of many thousands of dollars. And if you need that money in your checking account, [00:22:30] and you're using a debit card, you got a problem because your check for if you ever have to pay rent again, red check is going to. Bound because they just empty it out to your bank account. So now you have to fight with the bank, get the money back. They will eventually refund it, but it could make some of you. Transactions that you might've written a check or something, it'll make them bounce. And that could be a real problem. These, it could make them [00:23:00] bounce. So using a credit card is typically less of a hassle online. So why would you want to use a virtual card or also known as is a master credit card masked and may S K E D? The main reason behind this is to allow you. Control payment. I've used them. In fact, I use them exclusively on every Website [00:23:30] online. And I'm going to tell you the names of some of them here in just a couple of minutes, but I use them all the time. And part of the reason is let's say, I want to cancel. A service. Have you ever tried to cancel a service before and you have to call them many times, and so you're arguing with somebody overseas somewhere who doesn't want you to close the account. And of course, Bump you up to the next level person who also doesn't want you to close the account. And [00:24:00] so you have to fuss. Have you ever had that experience and I'm sure you have. It just happens all the time. So with using the virtual credit card, the advantage to me is, Hey, if you are going to try and fight with me, I don't care because I'm just going to cancel that credit card number. So I don't have to cancel my credit card. I don't have to have the company reissue credit card for me. I don't have to do any of this sort of thing that [00:24:30] makes my life pretty easy. Doesn't it? And because of that, I am now I think in a much better. Place, because it just, I don't have to fight with people anymore. So that's one of the reasons I used it. The other big reason is if it gets stolen, they can cause less harm. Some of these credit card it's virtual credit cards are set up in such a way that you can limit the amount that's charged on them. Do you like that? [00:25:00] So if you are using it on a site that maybe is charging you $50 a month, no problem. $50 a month comes off of the credit card. And if someone tries to charge more bounces and then hopefully you find out, wait a minute, it just bounced on me. Then next step up is okay. It bounced and. I'm just going to cancel the card, and then you issue a new credit card number for that Website. So an example. In my case is [00:25:30] get hub.com. We keep software up there, and they charge me every month if get hub were to get hacked and that credit card number stolen I'm I really don't care because there's almost nothing that can happen. And if good hub doesn't properly cancel. My account, I can just cancel the credit card and let them come after me. This isn't going to happen. So then it's also called a master credit card number, cause it's a little safer than using your [00:26:00] real credit card details. I also want to point out something about debit card. I went for years with no credit cards at all. Nowadays, many of my vendors will take a credit card for payment. And in fact, give me a bit of a better deal. And then with the credit card, I can get 2% cashback, which I use to pay down the credit card. It couldn't get any better than that, but when you're using a debit card, what I always do. [00:26:30] Is I had two accounts that I could transfer money between at the bank. So I had one checking account. That was my main operating, if you will account. And then I had another checking account where I would be. Just moving money out of it. Or you could even do it with a savings account, but some banks, they only let you do so many transactions a month on a savings account. So the idea is I know that I have this much credit card [00:27:00] obligate while debit card obligations for this month, that money is going to be coming out. So I make sure that. In the debit card account to cover the legitimate transactions I know are coming up and then I keep everything else in the other account. And then I manually transferred over every month. So that's how I dealt with the whole debit card thing. And it worked really well for me. Bottom line. I think it's a really great idea. So there you go, who are the companies that [00:27:30] you can use to do this? I've used some of these before all of them have worked really well. If you have a capital one credit card, they have something called Eno, E N O, and it's available to all capital one cardholder. Eno even has an extension for your web browsers. So if it notices you're on a webpage, it's asking for credit card number, it'll pop up and say, do you want me to create a [00:28:00] credit card number or a virtual one for this Website you can make your payment. Does it get much easier than that? Citibank has something they call a virtual credit cards available to all Citibank cardholders, master pass by MasterCard. That's available to any MasterCard visa, American express discover diners club cardholders, credit, debit, and prepaid cards by their way. So you might want to check that one out. Yeah, [00:28:30] so that's the only one I see on my list here. That will do it for debit cards, master pass by MasterCard American express checkouts available to all American Express cardholders. Chase pay available to all chase cardholders, Wells Fargo, wallet visa checkouts, available to all visa, MasterCard, and American express and discover color cardholders, credit and debit cards. Plus. Prepaid cards. Okay. So it does [00:29:00] do the debit cards as well. Final that's all owned by Goldman Sachs and is not accepting any new applicants and entro pay. Also not accepting new applicants. There's a couple online. All right, everybody, make sure you check me out. Craig peterson.com/subscribe. We're going to wrap up how you should be using these burner identities of [00:29:30] few more tips and tricks that are going to help keep you safe from the hackers that are out there. So here we go.  There are a lot of hackers out there. The numbers are just astounding. The cost of these hackers coming in and stealing our information is just unbelievable. And it goes all the way from big corporations, from things like the colonial [00:30:00] pipeline, the US government all the way on down through you and me. I want to tell you a little story about a friend of mine. He is about 75 years old, and he supplements his income by driving for Uber eats and one other company. And so what he'll do is someone puts in an order for food somewhere. He'll go pick it up and then he'll drive it to where whoever wanted, whoever ordered it. Now, [00:30:30] there are. Pricing number of scams with this. So he's very careful about some of that orders, a cookie, for instance, because it's usually a bit of a scam anyway, we won't get into those, but I'll tell you what happened to him. His information was stolen online as it was probably yours. Mine I know was as well. So it's all stolen. What do you do? In his case, what ended up [00:31:00] happening is they managed to get into his email account. Once they're in his email account, they now had access to the emails he was getting from one of these companies. Now it wasn't the Uber eats guy. He was, there was another company. So let's just explain this a little bit. Uber eats sends him a request for him to go ahead and do a deliver. Go to the restaurant, pick it up and take it to this client's house. [00:31:30] And in order for him to register, he had to register an email address. Now, of course, he uses the same email address for everything. All of it. Now, personally, that drives me a little bit insane, but that's what he does. And he has just a few passwords. Now. He writes them down a little book and heaven forbid he ever lose the book so that he can remember them. He [00:32:00] just wants to keep his life simple. He's 75. He's not technophobic, he's not up on all of this stuff. What he found was a paycheck didn't show. And it was an $800 paycheck. We're talking about real money that he should have had in his pocket. It didn't show up. So he calls up the company and says what happened to my paycheck and a record show? Yes, indeed. It had been paid. We [00:32:30] paid you, we deposited right into your account. Just like you asked. Yeah. ACH into the account. Great. Wonderful. What had happened is bad guys had gone, gained control of his email address and use that now. Because they figured I see some emails in his account from this food delivery service, let's try and see if this email address that we're looking at right now. All of his emails let's [00:33:00] look and see. Okay. Yeah. Same. Email address and same password as he used at this email address? Yeah, it worked. Okay. Great. So now we have access to this guy food delivery account. So they changed. The bank account number, no easy enough to confirm. They change it, Mel. Hey, I want to make sure that it was you until the bad guys, the hackers, click out, yada. Yeah, it was [00:33:30] me and then lead the email. So he doesn't see it. And now his $800 paycheck. In fact, I think there were a couple of different checks is deposited directly into the bad guy's bank account and. The money of course has transferred out pretty quickly. Now the, that guys, these hackers are using what are called mules. You might be familiar with that in the drug trade. They'll have a third [00:34:00] party deliver the drugs just to mule. They don't know what all is going on. They probably know the delivering drugs in this case. Most of the meals are useful idiots, of which there are many in this country, unfortunately. Political and otherwise. And these people are convinced that all they need to do is transfer the money into this account so that the hackers can then pull it out. And now [00:34:30] they're gonna take care of their grandmother who is stuck in the hospital and they have no way to pay for it. And they can't transfer the money out of the country directly. That's one of the stories they use for people. And in many cases, these mules know what they're doing. The FBI earlier this year arrested a whole group of mules out in California that were purposefully transferring the money. They knew what they were doing. So his money was now out [00:35:00] of the country. No way to get it. And this food delivery company was not about to pay him. So it isn't just the big guys it's you and me as well. So what I want to talk about right now is multi-factor authentication. Now. You guys are the best and brightest. I hope you understand this. If you have questions, please reach out to me. I am more than glad to send you some good material on this. Just [00:35:30] me. M E add Craig peterson.com. I am here to help. What multi-factor authentication does is allows you to not just log in by using an email address and a password, or maybe a username and a password. Which is much better, by the way. I don't like it. When sites require an email address to log in. Although as I use multiple email addresses, and I think you should as well, a different email address for every site [00:36:00] out there beyond question, you should be doing that. So anyway, this is. You should be doing with multi-factor authentication. They will have you put in your email address, have you put in your password, and then they'll do something that is supposedly something you have. So the best security is something, along with something you physically have. So in most cases, they'll use two factor [00:36:30] authentication by sending you a text message with a code. And then you type in that usually six digit code, and now you're in, and it only does that. If it doesn't recognize the browser, are you using, or in many cases of, it needs to be a little more secure than that it's only good for 24 hours or maybe a week. That is not good enough. You should be using a code generator. Google [00:37:00] has one for free, but I want you guys to use something called one password. That's the digit one password. You'll find it online. You'll find it in all the app stores. It is what we use for the most part. It's great for families. And it's great for businesses because you can have different vaults and you can share them and control access. Now there's a couple of reasons why that we're talking about multi-factor authentication right [00:37:30] now. So the first reason kind of the biggest reason is you can use it for generating passwords. Fairly random ones or fairly memorable ones. And then when you go to a site, one password can pop up and give you the password for the site. So you don't even have to look it up. You don't have to remember it. You don't have to look it up. Isn't that phenomenal. And then it also has built into it. Token this six digit [00:38:00] key generator. I'm trying to keep this simple. So you can then use that for the site. So it says, okay, what's the code go to your code generator. So you just go to one password. There it is. Copy it and paste it right in. And you're in that alone would have prevented my buddy's account from getting there. It's that simple, one more thing that you want to use one password. And that is those questions that you're [00:38:30] asked to verify. It's you many sites out there banks are really big into this and I don't get it cause it's not very good in most cases. So they'll ask you things like where were you born? What's your mother's maiden name? Where did you go on your first day to what was the car that you owned first? Or, your dog's name, et cetera. The reason, those things are so bad is because the hackers can go online, look at your [00:39:00] social media and figure out the answers to a lot of those questions. Bad. So what you should be doing is using one password, and it allows you to put notes pretty much anything you want to in the record for that Website. So you go to the Website and you log in, create your account right. To log in. So you're going to give it your, probably your email address, which is a bad idea, but [00:39:30] that's, what's required use one password. To generate a strong password for you that you'll put in. You'll use one password. Hopefully they have multi factor authentication that allows you to use one of these code generators. Google has theirs is called Google authenticator, and one password is compatible with that. Microsoft has done. Own thing. And it's not compatible with almost any Website online. So don't use the [00:40:00] Microsoft authenticator other than for Microsoft products, like using the, a windows 365 thing that they have does use Microsoft authenticator, but you can also use the Google one and the one password one, and then in the notes section, make up answers to the questions. So it asks you, what was your mother's maiden name? And say something different insecurity, where, what is your high school? It was named [00:40:30] movie elementary school, make something up a stream. Okay. Use random answers. Record them in one password. You're going to have to look them up. If you ever on the phone with the bank or whomever, because you're not going to remember them, but that's good because they don't appear in your. Social media anywhere and they don't appear anywhere else other than your secured encrypted one password fault. [00:41:00] Thanks for being with us. I appreciate you guys listening, and you can find all of this. I'm going to turn all of these and did a little mini-courses here over the next few weeks, and there's only one way you're going to get it. And that is by being on my email list. Craig peterson.com/subscribe. Go there right now. Craig peterson.com/subscribe. As if this year and last year haven't been enough weirdness, [00:41:30] it looks like George Orwell is kind of lending some help here. You won't believe what the us department of Homeland security is planning on doing well, maybe it will. If you missed the last hour, it is absolutely must-listen radio. And so what I'm going to be doing is I will put it up online for you guys. You can get it by going to Craig [00:42:00] peterson.com/podcast. Hopefully, I'll get it up soon after the show today, but I went through and explained ways. That you can protect your privacy online. Absolutely protect it. So you don't get that kind of advice or most people, most people are trying to sell you a product that just doesn't really work that well. I I'm telling you what does work, what the experts do, what Edward Snowden would do. What I [00:42:30] have been doing for more than 30 years personally, in order to help keep my identity safe. So check it out again. Craig peterson.com/podcast. Now I want to point out too, that if it's not upon you, look, make sure you refresh your browser. So you're going to want to do what's called a cache clear refresh. So. And the browser by that URL bar, you'll see a little, it's usually a little circle [00:43:00] with an arrow on the end. That's your refresh, but you need to also reflect, refresh your cache. So you're going to hold down the shift. And hit that little circle with the arrow on the end, and then you'll be able to listen to all of that. And I'm thinking right now, I'm probably going to try and turn that into a series of emails so that you guys can just read. Through it over the course of a few weeks. Cause man, did I cover a [00:43:30] lot? And you can get that when those come out in. And even if I don't get around to this, I do do emails with training in them. And with of course the latest news. And you get that by subscribing again, Craig peterson.com. We've got to help you guys out. You need to know this. Okay. Absolutely. You, you personally need to know that. Well, this whole or wellbeing thing is scary, frankly. [00:44:00] I just finished going through reading George Orwell's 1984 again, and it was just so eyeopening. I read it many moons ago, and I learned a lot from it then, but now I see it out in the streets. I see it with what's been happening with government and even businesses. And we've complained about them many times here on the show. Haven't we, some of the deep [00:44:30] state, big tech ties that go between each other. It's no longer really the military-industrial complex. We're talking about the deep sea. High tech complex. It's a bad thing. It's a scary thing. Well, what they're doing right now, and this is a great article from news busters.org is they've got this Alliance between the department of Homeland security and private [00:45:00] companies that they're trying to put together. Now, news semesters, isn't saying. That it's already in place. They're saying this is what they're planning on, putting them place. However, I know what they have in place, and they're already doing a bunch of this. Again, it goes back to that app. Isn't really free that app that supposedly is free, is doing something it's gathering information, data on you, and then it's selling it. And the people that are buying it are data. Aggregators is what they're called. [00:45:30] 20 years ago, I had some of the top data aggregators on the show and I sat down with them and I said, well, let's look me up because they have information, public records, some private stuff, like obviously buying it from these app developers. And I said, let's look me up, find out what you have on me. So we looked me up, and I would say about three quarters of it was wrong. Which was really kind of interesting. And this is [00:46:00] data that was used back then, mainly for what's called skip tracing. So you have a bill to pay. You don't pay it. You move out of town. That's the process to find do is called skip tracing. And that's what they would do nowadays. It turns out that local. Federal police departments and other agencies are buying this data from the data brokers so that they can now track you. Now they're not allowed to, by [00:46:30] law track you, you know that, right. But the government is doing what one might call lawyering. That's what we called it in robotics. I was part of a us robotics team with kids, and they would always look at the rules, and they would get reprimanded. The teams would if they lawyered the rules. In other words, if they met the exact definition of what it was in the rules, but they didn't meet the spirit of the rule.[00:47:00] They would get reprimanded. They might even get kicked out. And that did happen a few times. However, if you're the government and you get to say which laws you want to follow, which court rulings you want to follow, think of what's been happening lately, right? We're not going to, yeah, I know. I know I can't do this. I can't do this. I can't do this. I can't do this. I have a pen and a phone. I'm going to do it anyway. Or just reverse all of the actions of the prior administration. [00:47:30] And even though the Supreme court says, Hey, you cannot do this, but we're not going to rule on it because the this policy is only in place for a couple more weeks. And then you do it again. Anyways, the government isn't, isn't even obeying the rules. Th the strict letter of the law. They're not even obeying, let alone the spirit of the law just drives me crazy. The wall street journal just reported, uh, about a week [00:48:00] ago here last Sunday that the department of Homeland security is considering hiring private companies to analyze public social media for warning signs of extremist violence, spurring debate within the agency over how to monitor for such threat while protecting American civil liberties. Now I'm glad they're at least giving you. Lip service to protecting our civil civil liberties, right. That I think is a very good [00:48:30] thing. They should be protecting them, but this just has the tendency to continue to inch forward again and again and again. So this effort has not received approval and has not been. But it's going to involve. According to the wall street journal is sifting through large flows of internet traffic to help identify online narratives that might provide leads on developing tax weather from home [00:49:00] or. Eh, this is, this is just amazing. Now I mentioned on the radio, uh, previously that I have personal experience with one of these large federal law enforcement agencies that has been doing what I considered to be completely unreasonable things with people's information and also completely unreasonable things [00:49:30] in defining. Where the thread is. You've probably heard it all over the news that, that it's all these conservative groups that are the real threat. Well, it's not the conservative groups that have been out there, burning down cities, demonstrating, beating people with clubs, pulling people out of cars, and BD. No, it's not. So where, where are these people coming from, and how do they define these [00:50:00] extremist actions? How do they define it? Right. Well, you can tell that there's obviously some extremism involved when there's a riot, but they will respond to a riot in Washington, DC after Trump rally, but they don't respond to riots all over the country and major cities. And in many cases they don't even do arrests. Oh, it's absolutely amazing what's going on. So I'm very, [00:50:30] very worried about this fusion of big tech and deep state government, because it's become really kind of a hallmark of the Biden administration. Senator Josh Holly's Republican from Missouri really went after the Biden administration for pressuring private companies to help spy on the techs of American citizens. This is back in July and he said that the big government, big corporation [00:51:00] Alliance is the real danger here. And. Absolutely have to agree. This is going to be a problem. And giving the government access to more personal data is going to be an even bigger problem in months and years to come. Particularly if we just let them do. Willy nilly and that's kinda what's happening. What kind of oversight is there really think about the Pfizer courts that are [00:51:30] supposed to be providing oversight for monitoring, uh, people who are not citizens. And yet it looks like. Our law enforcement agencies. We're targeting citizens specifically through the Pfizer courts who are playing games. So I absolutely don't want this to happen. I don't want any administration, Republican-Democrat, you name it. I don't want any of them to have access to [00:52:00] this type of deal. And I go right back on this and a, here's a great quote to explain why I'm going to use a quote from lever inti barrier. He was the most ruthless and longest-serving secret police chief in Joseph Stalin's reign of terror. He said, show me the man and I'll show you the crime. That should scare all of us, because even though the administration today, isn't doing that [00:52:30] types of things Stalin was doing, obviously we don't know what's going to happen in the future and we cannot let the hackers gain access to this information because believe me, they're going to be going after it as well. So don't collect it in the first place. Let's do think that surveillance on citizens, criminal and otherwise, is a rarity. We're going to talk about the New York police department [00:53:00] and their secret funds used for surveillance tools alone.  Here we go. This is from wired magazine, you know, definitely not a right wing entity. They have been reporting on a number of situations where the government has really overreached when it comes to our information and our privacy. And they have this report now that has been [00:53:30] released. And. Yeah, that and some other documents and Sydney fossil wrote this article, and he's saying that the documents are showing that police bot facial rec recognition, software vans, equipped with x-ray machines and stingers. Cell site simulators with no public oversight. And I'm going to explain what each one of these things is and what they are typically used [00:54:00] for. But this is amazing. No problem. Oversight now that's according to documents released last Tuesday. So when all these documents are showing that the New York police department spent at least $159 million over the last 15 or so years through this little known special expenses fund, the did not require [00:54:30] approval by the city council or any other municipal official. Frankly. I think one PP has something to answer for here. We'll have to ask Tom Selleck about it. Right? The documents are made public by two civil rights groups, the legal aid society and their surveillance technology oversight project would says that what the N Y P D was doing amounted to our surveillance slash fund. [00:55:00] It's just crazy, um, stops director, which is again, the, uh, surveillance technology oversight project stop. Their executive director said that the police are still blocking other records needed by the public to understand the way New York is being policed. This is just something out in 2018, the New York police department awarded almost $7 million to the [00:55:30] idea solutions company, which by the way, sells biometric tools, including facial recognition. So what they have done in essence now is set things up in New York. Kind of like they are over in China where they have cameras located all over the place. And those cameras are capturing pictures of pedestrians. How the only kind of saving grace nowadays is a lot of people are wearing [00:56:00] face mask, although, and because a lot of people were in face masks, there's new software that will recognize people, even if they're aware. A face mask obviously depends on the type of face mask, but you know, it's still doing that. So they have all of these cameras. They have this facial recognition software. And they can track you as you're walking around the city. In fact, they can do it in reverse, [00:56:30] which frankly is kind of cool that there are also these airplanes in the sky, over many of our big cities. Now, New York, they're concerned about it. Of course of what happened on nine 11. People get really nervous seeing airplanes over there. So they're using high flying drones that can't really be seen with the naked eye or heard, and they are taking continual video of the entire city [00:57:00] and of all of the streets. So let's say a bank gets robbed, they can try. Those robbers back in time using these drones or airplanes, along with the surveillance software in the cities, mash of cameras and find out where they came from. Okay. So it looks like this was the staging area for the bank robbers, and then they can go back further in time and see where the bank robbers came from. What were they [00:57:30] doing? Where did they go? That technology all exists. Now, it's not that good yet, but you know, it ended up, it will end up being that good. But this goes right back to what I was talking about a little earlier with, uh, show me the man, I'll show you the crime. What happens if those cameras pick you up on a street where a drug deal was going down? Now you've seen it on TV. You've seen it in the movies where they poem money back and forth a POM, [00:58:00] the drugs, you wouldn't even know that a drug deal was happening and now you get pulled into it. How about what happened on January six in Washington, DC? There was a riot. We all know that the Capitol building, but now the FBI and other law enforcement agencies are pulling people in who cell phones pinged in the general area. In Washington, DC. So if you were down there and you [00:58:30] were part of a school tour that day, and you went to maybe the Trump rally, maybe you didn't maybe just went to the reflection pond down there. They investigated you. If you were in our hotel, they investigated you. If you used a credit card in the area, they investigated. And that's being alleged right now by some of these people that were investigated and have had minor charges brought [00:59:00] against them that this was a total witch hunt. It was fabricating the crime. Again, show me the man. I'll show you the crime. I mean, under Stalin, the dictator over in the Soviet Union, you know, socialist government for those that aren't familiar with it. These contracts that were received through kind of a freedom of information request to buy these civil rights groups were heavily [00:59:30] redacted. And so I made it very difficult to understand how many single tool functions were purchased, how they could work together to create a surveillance Dragnet. Over people in New York City, this secrecy also blocks a more complete understanding of the relationship between the New York police department is vendors in the public. So again, it's a double-edged sword it's yet. You want to catch the bank robber. You [01:00:00] want to catch the murderer, but most of the time, those people know how to. Fool the system, don't they, uh, in 2014, the New York police department signed a five-year $800,000 contract with Elbit Systems, which is Israel's largest defense contractor. And by the way, they aren't just in Israel. They're also, they have a plant in New England. Uh, kind of all over [01:00:30] and Elbit provides a wide range of surveillance tools used by customs and border patrol on our borders, including cameras and sensors that make up this virtual border Raul wall that we have on our Southern border. It, this is not good. And I want to add one more thing. I said, I explained what these things are, you know what x-ray is. And some of these trucks are using millimeter-wave stuff and are our x-ray and people [01:01:00] walking down the street, supposedly to see if they have a weapon. Huh? Okay. So just walking past one of these vans expose you to health risks, no warning about that cancer risks from these mobile x-ray vans and these stingray devices are fake cell phone towers. So they capture your information. Who you're calling where you're calling and your text messages, whether you are a target [01:01:30] of an investigation under court order, or just someone walking around the streets in New York, check me out online. Craig peterson.com. Investment money is rolling into these high tech startups. That means if you're looking for a new job in high tech, it may be your lucky day, particularly if you want a job with a startup. So here we go. Jobs in tech have always been [01:02:00] pretty good. Generally speaking, technology is what drives the economy. It is what boosts productivity, and it is right now, a really hot job market there. More small businesses, startups are being funded by angels and venture capitalists than there have been for a few years. That means we've got money now pouring into [01:02:30] these little startups. There's a great little article in ARS Technica by Ariel pod dress. And she's talking about this company called revenue. This is a startup. They just closed their Series B, which means they had their second investment round. And this is a platform for managing in-app subscriptions. They just got $40 million in the idea behind this $40 million series [01:03:00] B series B is to grow the company and. To hire more people. And of course, it's hard to grow the company without hiring more people, even if you're in the software business. So we're talking about a 35 person. Startup that's getting $40 million. That's more than a million dollars per existing employee. They want to get another 50 employees by the end of the year and a hundred by the end of next year. [01:03:30] Now I've got to say, I, I had a startup, it was me and it was me and it was me. Right. I started it. I worked really hard, and I built it up to 50 employees. I didn't have a dime of investment money, but now this investment money is out there like crazy, but revenue, cat's having a hard time along with most of these other startups, hard time hiring people. So, what they've done now [01:04:00] is they've got a whole bunch of extra perks. Things like unlimited vacations. Yes, indeed. No more. Two weeks you earn an extra day for every year. You work there or a seven. These other rules that around for a very long time unlimited vacations. They'll give you a stipend. If you have an office at your home that you're working. Plus, they're also providing equity and salaries on par with some of [01:04:30] the big tech companies, regardless of where you live. Right now, Facebook is, and Google are both looking at saying, Hey, listen, you know, you live a hundred miles outside of Silicon Valley. You don't deserve to be paid as much as an employee that lives right here in San Jose. So now we're going to cut your pay by 10%, 15%, sometimes even more. So these little guys are saying, Hey, listen, you can [01:05:00] work for us. We don't care where you live. Timbuktu in Northern Africa just doesn't matter. As long as you can work from home, we'll pay you the same as if you're living right here in Silicon Valley in California. And we'll even give you extra money because we know it costs you money to be able to work from home because you're probably going to have to get a better internet line. You're going to have to have a phone that works so that we can call you. Maybe you have to call customers. [01:05:30] These types of offers really weren't around before the lock. But now we're seeing high-tech salaries, being driven, even higher benefits that are really being massively beached up, uh, beefed up, I should say. And companies that are offering incredible salaries and flexibility. So there you go. These companies are basically competing with Google, [01:06:00] Facebook, et cetera. So what does that mean? Well, these small startups like revenue cat are getting a lot of money, almost $300 billion invested in these startups worldwide. And it's really hurting the big guys because they're talking about cutting salaries, even though they don't need to. It's not as though they're suffering. They're these big companies, they're still sitting on [01:06:30] billions of dollars in cash. Isn't that something. And so they are starting to really hurt because the small guys are stealing employees, quote-unquote, from the dice, which is, has this industry career database is saying overall tech job postings are up 16% this year. We're seeing also, by the way, a whole [01:07:00] bunch cut backs because of the technology in how many people, these companies need to have a look at restaurants. Now they're doing QR codes for the menus QR codes to pay your bills. So there's even fewer people. That have to work in restaurants going forward. We've got meetings that are being held on WebEx or zoom. You don't go see the doctor anymore. You're using telehealth software programmers. [01:07:30] Engineers are being used more broadly between March and July. There are more than 300,000 openings for software and, uh, other types of computer high-tech engineers. It's 13% higher than even 2016. It is absolutely amazing. I had one person who responded. And when I offered, maybe it makes sense for me to do kind of a career [01:08:00] webinar on high-tech jobs. Right. What would it take to get into specifically the cyber security industry? Because it's something I know it's something I've been helping to drive the whole industry now for over 30 years. And I had only had one person respond. Uh, although I know of. I have a few listeners that have actually done that. They went and got themselves qualified in cyber security, but only one person makes me [01:08:30] think that, you know, what does one person represent maybe a hundred listeners. So there are some of you. I don't think I'm going to end up doing this little thing. Cause I was going to just do a free webinar and what it takes to become a cybersecurity analyst. Uh, but uh, we'll see what happens here kind of going forward, but there's a lot that can happen. There's tech co-workers out there who are leaving some of these high tech firms. There are also [01:09:00] lawsuits about the golden handcuffs, so that have been put on people, you know, that say, Hey, you can't compete with us or you can't even be in the same industry. Some of those. Contracts are being knocked down in some states. Uh, it's kind of interesting to see what happens. Um, there's a couple more things. Yeah. Here, different hedge funds, but it's a really great article. It's in ours. Double-check [01:09:30] your newsletter that I sent out or is going out this weekend. If you haven't received it yet, you should get it at some point this weekend. A very interesting one. If you're considering high tech jobs, ARS, Technica, Vicky. Now, if you want to track technology and cybersecurity, you know, already I go through thousands of articles every week. Now you can talk to my wife about it right in the evenings. And even sometimes you're in the day I'm [01:10:00] sitting there reviewing articles and all these sites, I put them together for you guys. So, you know, what's happened. And cyber security, what the latest breaches are, what you can do about it. I am going to continue with some of the trainings, pick them up again here within the next couple of weeks so that we can keep you guys up to date, but there's only one way you can find out about them. There's only one way that you can get involved, and that's, by making [01:10:30] sure you subscribe to my show notes newsletter, and you can get that by going to Craig Peter sohn.com/subscribe. You'll get all of these free trainings. You'll find out about what's going on, what you need to do in your. Small business door also in your home computers and environment, but everything from the CEO on down Craig peterson.com/subscribe. [01:11:00] I've been complaining about Facebook and what they have been doing to potential competitors for years, the same types of complaints I can make against Microsoft and Google to a lesser degree. While now the federal trade commission's coming out, agreeing with me. This is something that I think has been a long time coming. And this is the federal trade commission's lawsuit against Facebook. Now, lest you think that this is a Trump thing. [01:11:30] This is a Biden thing. Trump administration had filed suit, and then the suit was dropped, and now the federal trade commission has refiled the lawsuit against Facebook and has included some additional proof. That it hopes is going to Boyce bolster its case. The last one was rejected by the court. Great article by ARS Technica as Tim D chant. You'll find that in [01:12:00] my newsletters as well. Craig peterson.com/subscribe. You can get my show notes for absolutely free. Well, this refiling is in response to the federal trade commission's initial case thrown out in June by us district, judge James Boasberg, who didn't think that the agency provided enough information or a real strong definition, what you might call a bright line in [01:12:30] legal terms of Facebook's market in its first five. This is really kind of an interesting problem here because basically, the federal trade commission is alleging that Facebook lacked the business and human and technical talent to survive the transition to mobile. That's according to Holly Vedova, she's the acting director of the federal trade commission's bureau of [01:13:00] competition. She also said after failing to compete with the new innovators, Facebook illegally bought or buried them when the popularity became any sense. Or existential, she said threat. Now, this is the same type of thing we've seen Microsoft do for decades and worse, frankly. It's similar things that Google has done to competition. Although I think Google hasn't been as bad at this as [01:13:30] Microsoft or Facebook have been, but the federal trade commission filed this original lawsuit in December. And that was under Joseph's Simmons, who was appointed by former president Trump, of course. And he cast the Simmons, the deciding vote in the initial filing with the two Republican commissioners voting against it. Now that to me is surprising because I'm all for free trade. In this [01:14:00] case of Facebook has been doing all kinds of anti competitive things. And it's interesting to see the statement here from the federal trade commission that FAPE spoke, lacked the business acumen and technical talent to survive. So that again tells you that Facebook might have a lot of really great political people in there working and censoring and deleting posts and some great marketing [01:14:30] people, but they sure don't have it. The technical talent. I love that. I would love to see the judge ultimately rule that way, but here's the problem. Facebook acquired Instagram and WhatsApp. And I've talked about this on the show before. And the other thing that they did and the way they acquired them was a problem. We'll talk about that in a second. The other thing they did that I haven't talked about before is. The way they blocked [01:15:00] competitors from accessing the API APIs now API APIs or application programming interfaces. It's what all of us programmers use nowadays. So rather than that, developing. For where that does, what Facebook does. I just go ahead and use Facebook's published interfaces. So the idea is I call an API using some methodology, and I say, I want this post to go. [01:15:30] In my Craig Peterson account or in my tech talk channel, right. Our group is actually what Facebook calls it. And then Facebook says, okay, great. And it publishes it for me. And that saves me from having to have to go to every Website out there that I post my radio show that I post my blog, Kat, my blogs on too. The podcast. It saves me from having to go to every one of those places online and repost, everything [01:16:00] manually. Those are API APIs. So I actually use a service that does that for me, using API APIs from Facebook and other places. I use it to publish onto YouTube. I use it to publish onto some of the instep platforms, et cetera, et cetera. But what happened here is Facebook invited developers to start using these APS, the eyes that they had put together, and then later trained the API [01:16:30] policies to actually be an antique competitive weapon. Developers could only access Facebook's platform and its user base. If they agreed to not compete with Facebook or the other thing that they could not do, if they wanted to use API APIs from Facebook is they could not help facilitate. The growth of rivals. That is absolutely amazing. So the FTC lawsuit [01:17:00] says Facebook recognize that the transition to mobile posed an existential challenge and that Facebook had a brief window of time to stymie emerging. Threats. This is right in the lawsuit. Failing to compete on business talent. Facebook developed a plan to maintain its dominant position by acquiring companies that could emerge as or aid competitive threat by buying up these companies, Facebook [01:17:30] eliminated the possibility that rivals might harness the power of the mobile internet to challenge Facebook's dominance. So when we look at things like WhatsApp, for instance, here's a small company that they acquired. Okay. So let me see. This is from Investopedia online and the title is WhatsApp. The best Facebook purchase ever. Question mark. Okay. [01:18:00] Facebook acquired WhatsApp in 2014. Now, how much did they acquire for how much was WhatsApp really worth at the time? It's hard to say, but you can compare it with other companies of similar size and it was probably worth 20 million, maybe 50 million at most. Right. Um, initial bid from Facebook for WhatsApp was $16 [01:18:30] billion for a company that was probably worth $50. Okay. Yeah. Uh, it brought in 10 million in revenue. WhatsApp did at the time, and it lost 150, $38 million in that same period. So let me see. The company loses $138 million on revenues of $10 million. And Facebook buys it for 16 billion in their initial offering. Well, [01:19:00] that was the, that was the initial purchase price. You can read up all you want on this. There's lots of information. So why did Facebook do it? Because they wanted to buy it potential competitor to Facebook messenger. And that's exactly what they did. And they've done that again and again, paint far more than what the market would really dictate so that they could get rid of a competitor. Another one is [01:19:30] an ANOVA, O N a V O. This was a VPN service that tracked users activities that they bought back in 2013 and Facebook called the Novo. Cool. This is a quote from the lawsuit. Again, according Facebook execs that the acquisition of the VPN service would be really cool for identifying acquisition targets. With our acquisition of a Nova. We now have insight into the most popular apps. We should [01:20:00] use that to help us make strategic acquisition. So in other words, by having a VPN server, so what have I said about VPN. Don't use these public VPN services because no matter what, they're promising you, it's not true. I did a whole webinar on this. In fact, I did it like two or three times last year. Um, but they buy the VPN service. They get people using the VPN service. They're tracking everything that's going on [01:20:30] on that VPN service. And now they know what's popular out there and anything that's popped. Facebook buys. Why are they buying it? Well,

Originally Aired: July 30, 2020 Feeling stuck? You NEED today's episode. All of us have been there, even Cornell trained Psychologist Dr. Nicole LePera. When she noticed she was stuck in the same negative thought patterns and beliefs, she pivoted her entire philosophy on psychological wellness. Now billed as @The.Holistic.Psychologist, Dr. LePera has built a community of nearly 2.7 million #selfhealers on Instagram who have changed their lives through Dr. LePera's practical everyday healing tools. Dr. LePera believes in the enduring power of addressing our inner child, and believes that most of our negative thought patterns date back to lessons instilled by caregivers. By learning how deepen our conscious mind, engage in self-observation, and make deliberate choices, we can experience a full 180 in our own lives. You WILL leave this episode with new daily practices that can change your life as well! --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/better-together-w-maria/support

Today's guest is Dr. Matthew Walker. Dr. Walker earned his degree in neuroscience from Nottingham University, UK, and his PhD in neurophysiology from the Medical Research Council in London. He also became a Professor of Psychiatry at Harvard Medical School.But he's currently the Professor of Neuroscience and Psychology at the University of California, Berkeley. He's the founder and director of the Center for Human Sleep Science.Dr. Walker's research examines the impact of sleep on human health and disease and with that research, he's written the international Bestseller, Why We Sleep: Unlocking the Power of Sleep and Dreams as well as hosting his new podcast The Matt Walker Podcast which is all about sleep, the brain and body.Today's episode was so powerful that I wanted to split it up into 2 parts. The second half of this episode will come out later this week and you won't want to miss out on it.In this episode we discuss why Sleep is the foundational pillar for our overall health, why most people are terrible at prioritizing sleep and how to change that, the effects of poor sleep over time. You NEED to know this, how anxiety and stress affect our sleep, the importance of dreams and how to influence them, and so much more!For more go to: www.lewishowes.com/1154Check out Matt's podcast: The Matt Walker PodcastCheck out Matt's Book: Why We sleepThe Wim Hof Experience: Mindset Training, Power Breathing, and Brotherhood: https://link.chtbl.com/910-podA Scientific Guide to Living Longer, Feeling Happier & Eating Healthier with Dr. Rhonda Patrick: https://link.chtbl.com/967-podThe Science of Sleep for Ultimate Success with Shawn Stevenson: https://link.chtbl.com/896-podSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Remember that song by Coheed and Cambria called "A Favor House Atlantic" that had that video where the members of the band went around hitting on women like in an early '00s raunchy comedy that didn't age well? Well, you might not know that song, and just about every other song the band has recorded in their 20-year career, is actually about a science fiction comic series featuring space wizards, zombie monks, mutant dragonflies, and child murder that also...didn't age very well. Welcome to The Amory Wars, Claudio Sanchez's career-defining comic book that looks all too similar to an edgier Star Wars. You NEED to check out this art, y'all: https://imgur.com/a/juZfcYs Today's episode was commissioned by "Matt S," one of the elite IRO-bots of the #buttthwompnation resistance movement. If you want to join our crusade, check out our Patreon page at patreon.com/debatethiscast, and join the ranks for only $5 a month. **Please note, we are pausing Flavor Text commissions for the next couple of months until we can catch up on the backlog. We will let you know when those are back live again soon!**

We talk about the friendship of our dreams: Blake Lively, Ryan Reynolds, and Taylor Swift. Did you know people actually thought Blake SHADED Taylor before they were friends? It didn't take long to set the record straight with Blake and Taylor's day off in Australia during the 1989 World Tour, birthday pies, romantic getaways with Ryan and Joe Alwyn, and of course, Taylor's infamous 4th of July parties. Following Blake's introduction of Ryan to Taylor, Ryan has appeared in Taylor's "You Need to Calm Down" music video, lent Taylor his Deadpool costume for Halloween, and even wore a shirt with Olivia and Meredith's face on it in his movie. We discuss everything about Taylor, Blake, and Ryan's early friendship all the way to the folklore album trilogy that announced Blake and Ryan's third child's name. We introduce a new segment, Nightmare and Daydreams, at the end of the episode--which is sort of like our red light/green light or highs/lows, but with a fun Taylor twist! Kressie's Daydream: Mike's Mic (https://www.youtube.com/channel/UCuwUl4_fcRio_valO7_lxjA) Ali's Daydream: Lake Street Dive (https://open.spotify.com/track/7BDbyDs5FUmnh955RABFd7) We also announce that if you write us a review and DM it to us @gfaweekend on Twitter or Instagram, we will hit you with that follow back! If you have already written us a review, you can screenshot the old one instead of re-writing it. Thank you so much to everyone who has taken the time to write us one--they help us more than you know! Special shout out to the podcasts Popcast with Knox and Jamie (https://knoxandjamie.com/) and Web Crawlers (https://www.earios.net/web-crawlers) for being inspiring :') we love you! You can find all of the sources used for this episode at www.gfaweekend.com. Join the Good for a Weekend discussion! Discord TikTok Twitter Instagram Facebook Reddit GFAW Hotline: (205) 693-9160

Vicky Silverthorn sought after 10 years working as a PA in the sports and music industries for a pop star and professional sports people. Vicky decided that she wanted to concentrate on the area of professional organization and decluttering. In 2010, Vickie started her first business in London, You Need a Vicky, which has grown from strength to strength, Vicky and her team plus themselves as serious professional organizers. With a simplistic and practical approach. Vicky believes it starts at home. 

“You Need a Plan”2 Timothy 2:3-7Discipleship Requires Effort and Planning2 Timothy 2:1-22 Timothy 2:3-7Ephesians 4:11-12Discipleship Groups at Village ChurchThe GoalThe LeaderThe FormatThe ProcessThe Structure

If you have a deeper mission or calling in life that you want to pursue... But, you're unsure of how to start (or if you could even make money doing it)... You NEED to tune into this week's podcast episode. In it, I share exactly what I believe is possible for you (and what you should expect along the way). Are you a coach who has struggled with any of the following? -clearly defining who your ideal client is -clearly defining the specific outcome you create for them -ensuring you have 100% confidence you can deliver the outcome -packaging up your actual product to deliver the outcome (and provide you the lifestyle you want) If so, I've been hard at work on a gift-wrapped solution that will provide you with all of this... So that you can be clear in your content about who you serve and what you help them with AND talk about your products with excitement and confidence. I've got just 8 spots in a brand new program called NAIL YOUR NICHE. Not only will you get lifetime access to an online course that walks you through the process, as a founding member you'll also have email support AND 1:1 calls with me to guide you through the process. Oh, did I mention you'll be getting in at a discount, too? Once the 8 spots are taken up, they're gone, and the course will be sold on it's own at a higher price & without the 1:1 calls) In order to find out if it's a fit, shoot me an email at: brian@brianellwood.net Let's have a quick back-and-forth to see if it makes sense based upon where you're at in your business. If you need help with your niche (avatar, offer, product, etc.), then I PROMISE you this is the best program on the market today. -Brian

*Bud Light Iced Tea Seltzers*Did we SUP or SDP?*You Need to Journal!!!*Go Ask Alex and More!!!

A horror critic finds himself caught up in a support group meeting for serial killers in this 2021 Shudder original! You NEED to watch this! --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app

Nonprofitnewsfeed.com     ASPCA Faces Criticism Over Programming Expense Ratio The ASCPA, known as one of the largest and most publicly visible animal welfare nonprofits within the United States, is facing criticism highlighted in this CBS News spot over how it spends its donations. According to the report, only 47% of all donations go towards programs that directly help animals, while the rest goes to “public education,” “fundraising,” and “management.” The ASPCA gained notoriety for its heartbreaking TV commercials of animals in need, but according to some perspectives, these advertisements don't tell the full picture of how that money is being spent. Of the 2 billion raised since 2008, the ASPCA gave only 7% of the total raised to local SPCA affiliated local groups, while a much larger percentage goes to national fundraising campaigns. Read more ➝ New Report Shows Less Than Half of U.S. Households Donate To Charity In a report from the Indiana University Lilly Family School of Philanthropy, for the first time, less than half of U.S. households gave money to charity, as reported by The Times Leader. While the report's data is only as recent as 2018, it shows that the trend is downward in terms of the percentage of Americans who are donating. Coupled with record-level giving in 2020, the picture created by these studies is that philanthropic and charitable giving is consolidating, that is, being initiated by a more select group of people. Read more ➝   Summary If You Want to Work for Our Nonprofit, You Need to Get Vaccinated Owner donates $28 million Biloxi casino site to a MS Coast nonprofit Catalytic converters stolen from Columbus nonprofit's meal delivery vans, other vehicles NPT Power & Influence Top 50 (2021)    

“You Need the Word of God”2 Timothy 2:1-2The Bible Is Sufficient for Discipleship2 Timothy 2:1-22 Timothy 3:162 Peter 1:16-21The Bible Must Be Passed on to Others2 Timothy 1:13-14Nehemiah 8:87 Questions for Bible Reading:What does this passage say?What did this passage mean to its original audience?What does this passage tell us about God?What does this passage tell us about man?What does this passage demand of me?How does this passage change the way I relate to people?What does this passage prompt me to pray to God?

Time Stamps 00:00:18 UNCLEAN! 00:11:10 Strike From Shadow 00:15:41 Jumped 00:22:55 You Need a Human On Board 00:25:43 We Leave None Behind, Not Even The Dead 00:31:25 I Can't Speak for Those Who Died Before 00:36:58 All Systems Science University: 825 00:47:30 They Hit As Hard As They Hate. 00:54:10 Devil's Temptation 00:57:10 Their Song 01:03:54 What Drives Them 01:06:23 Guardian Angels 01:21:21 Red Blood 01:43:12 I Never Believed 01:50:41 Why did I ask? 01:54:30 Humanity Uncovered 02:11:19 The Price of Consensus 02:51:14 New Old War 03:06:45 The Energy Trade 03:26:37 The Butterfly Effect 03:34:40 Unlucky timing   This is a collection of the weeks TFOS videos from Youtube. All Stories are done with Author permission. They reserve and maintain all rights to the stories.     Socials Email  , Twitter , Discord Support Patreon , Paypal , Ko-Fi , Merch All Donation are welcome and much appreciated.

01 - Caribou - Home (Toro y Moi Remix)   02 - Hot Chip - A Bath Full of Ecstasy 03 - Alex Frankel - Still Got It 04 - The Chemical Brothers - The Darkness That You Fear 05 - M83 Ft. Mai Lan - Laser Gun 06 - Raf Rundell - Monsterpiece 07 - Smerz - Remember 08 - 7apes - Yards 09 - Midnight Magic - Beam Me Up  10 - Parbleu - Port Royale 11 - Steve & Teresa - Catching a Wave 12 - Kokoroko - Adwa 13 - Eddie Kendricks - Girl, You Need a Change of Mind 14 - Haruomi Hosono - Saigono Raikuen   Com Rui Maia

This week Steve, Rob, and Ryan welcome Tova Sherman, co-founder and CEO of reachAbility, an organization in Nova Scotia that provides a variety of employments services and programs to people with disabilities. We discuss everything from reachAbility's origins and mandate to the uniquely holistic organizational philosophy of “no one goes nowhere”, and so much more. It's a jam-packed episode that you won't want to miss! Show Transcript: https://atbanter.files.wordpress.com/2021/07/at-banter-podcast-episode-248-tova-sherman.pdf Show Notes reachAbility https://www.reachability.org/ Win, Win, Win!: The 18 Inclusion-isms You Need to Become a Disability Confident Employer https://www.amazon.ca/Win-Inclusion-isms-Disability-Confident-Employer/dp/0981323146 Bluenose Ability Arts & Film Festival https://www.baaff.ca/ AT Banter is brought to you by Canadian Assistive Technology, providing sales and training in Assistive Technology and Accessibility with over 30 years of knowledge and experience. Visit them online at www.canasstech.com or call toll-free 1-844-795-8324. Need repairs on your device? Chaos Technical Services offers service and support on almost any piece of Assistive Technology, while also providing parts and batteries. Visit them online at www.chaostechnicalservices.com or call 778-847-6840.

We all know having an easy budgeting method is vital to successful budgeting and personal finance management. After all, quick budgeting methods help you control your money, but what's the best budgeting app? Today we're doing a YNAB, You Need a Budget app review, a zero based budget that is among top budgeting apps for 2021. Is YNAB for beginners? Can it show you how to create a budget? Let's find out! If you're tired of trying to conquer your finances, get clear on your calling and step into your purpose full-time ALL by yourself, apply for a spot in The Circle today at AmbitiousDreamers.com

“You Need a Group”Ephesians 4:11-16The Church Is Central to the Life of DiscipleshipEphesians 4:11-16Romans 12:4-5Discipleship Requires Guideposts to Ensure the Right DirectionEphesians 4:13-14John 17:20-23The M.A.R.C.S. of a Healthy Discipleship GroupMissional (Romans 10:14-15)Accountable (Galatians 6:1-2)Reproducible (Matthew 9:37-38)Communal (Romans 12:9-10)Scriptural (Colossians 3:16)

Catalyst is a Creative Industries podcast, from Chapman University. Each episode features Chapman students who have completed a Podcasting course through the Center for Creative and Cultural Industries at the university. Students who had no podcasting experience or technical ability in the genre before taking the course were able to contribute all the segments to Catalyst this season with the goal being that they will take this ‘hands-on' experience and carry it over to the launching of their very own series. Each episode of Season 6 will feature one to two different interviews conducted by CCI students, exploring different aspects of the Creative and Cultural Industries. This week's episode of Catalyst features Koki Kayo as he talks shop with Animation/ VFX artist and student Cheryl Lee. Lee, whose areas of specialty include animation, visual effects, film production and graphics design, sits down for an honest interview with Koki about what an internship experience with a full-service visual effects studio is really like. Lee who interned with Ingenuity Studios in Los Angeles contributed to high profile projects for Disney, Marvel and Hulu in addition to creating the official lyrics video for Taylor Swift's ‘You Need to Calm Down'. Learn about what expectations are when interning at such a well-known studio as well as what colleagues and collaborations are really like in such an environment. Koki and Cheryl wrap the interview with several poignant pieces of advice regarding what a student can and should take away from an internship, regardless of which industry they may be participating in.

What you don't know about how relationships work is putting yours at risk. Many partners bail when their marriage hits a completely predictable bump in the road. Maybe it's a disagreement about chores or the realization that you still find people other than your spouse physically attractive. Maybe it's the realization that your partner is […] The post Yes, You Need a Relationship 101 Class appeared first on WebTalkRadio.net.

What you don't know about how relationships work is putting yours at risk. Many partners bail when their marriage hits a completely predictable bump in the road. Maybe it's a disagreement about chores or the realization that you still find people other than your spouse physically attractive. Maybe it's the realization that your partner is […] The post Yes, You Need a Relationship 101 Class appeared first on WebTalkRadio.net.

What you don't know about how relationships work is putting yours at risk. Many partners bail when their marriage hits a completely predictable bump in the road. Maybe it's a disagreement about chores or the realization that you still find people other than your spouse physically attractive. Maybe it's the realization that your partner is […] The post Yes, You Need a Relationship 101 Class appeared first on WebTalkRadio.net.

What you don't know about how relationships work is putting yours at risk. Many partners bail when their marriage hits a completely predictable bump in the road. Maybe it's a disagreement about chores or the realization that you still find people other than your spouse physically attractive. Maybe it's the realization that your partner is […] The post Yes, You Need a Relationship 101 Class appeared first on WebTalkRadio.net.

A friend of mine was living with a man who traveled regularly for work. Whenever he returned home, there was a strange disconnect in the air for a day or so. It was only after they separated that she discovered … You Need to Accept Each Other and Look for Values Without Projections Read More »

We talk about Pokemon Go Battle League, summarize the season so far and go over our favorite teams with some additional info for you to hit that Legend this season! Then we JUMP INTO POKEMON UNITE! You want to stick around for it! HYPE! 0:00 Welcome Back  @Caleb Peng  &  @ZyoniK  1:20 How is the Season so far? 3:45 We Lost Players 6:45 Skipping Leagues 10:15 Pogo Is Now Registered! 14:30 Favorite Teams 16:50 POKEMON UNITE BABY! 20:45 It's a HIT & it's POPULAR! 25:14 How to Access & When to UNITE 27:18 POKEMON UNITE ESPORTS before POGO! 29:45 Unite Launch for You 31:27 What Role or Character !? 33:30 Game Style MOBA 39:18 You Need to Master Skills 41:14 Last Words #pokemonUNITE #GoBattleLeague #PokemonGoPVP

In business we have seasons. A season for launching, a season for creating "fun" or educational content, a season for rest and a season where we collaborate like crazy. Collaborating in your business is all about finding people around you to help you, them and an audience ready to listen. Going live, doing podcast interviews (like this one), is all part of the collaboration process. You NEED people around you to help with your marketing. You don't have to create content alone. Bring people in! I am joined with the amazing Elaine Tsung (known as The Classy Traveller - read more about her below) to talk all about the power of collaborations in business. Elaine has built her business is a sort amount of time and has done so through content, social media and collaborating with others. On the show you will learn all about collaborations and how to start a collaboration strategy!! If you LOVED the episode, make sure you share this on your Instagram stories and tag us @contentqueenmariah and @theclassytraveller_! KEY EPISODE TAKEAWAYS

Have you been submarined or breadcrumbed? The ladies undress some of the newer dating terms taking over and discuss which "dating crime" they have committed.  Plus, we're taking trips! Find out what not to use in hotel rooms. You NEED to hear this! We'll wrap it out with the Final Question To Undress!  If you want your question featured on the show, send us a DM @TheUndressingRoomPodcast The Undressing Room Podcast is presented by Macy's.   It's a new month and a new chance to win a $500 Macy's gift card! Make sure you enter. Listen out for the keyword in this week's episode. Head to www.theundressingroompod.com for more information and for your chance to win.  Macy's is celebrating Black Friday in July!  That means they're saving us some $$$. Check out some of our favorite deals in our virtual closet at Macys.com/TheUndressingRoom .  Subscribe and check us out every Thursday. Follow: @theundressingroompodcast  @evamarcile @starringlorel @dominiquedadiva See omnystudio.com/listener for privacy information.

Thank you Advanced for sponsoring today's video! Use code "naninoanime" to save 10% on Advanced Focus or Energy the drink we drink daily and help support the podcast! ►► https://advanced.gg/?ref=naninoanime In this episode of the Nani no Anime Podcast RuffSenpai & SeeOhKnee get together and talk about all of the One Piece things, the INSANE Disney+ Star Wars anime project and is a NNA cereal tier list coming?! Check out the Nani no Anime YouTube Channel ► https://www.youtube.com/naninoanime Check out SeeOhKnee on YouTube Channel ► https://www.youtube.com/seeohknee Check out RuffSenpai on YouTube Channel ► https://www.youtube.com/RuffSenpai Timestamps 18:43 - What would be your dream One Piece game? 32:49 - You NEED to watch Tokyo Revengers 37:58 - Disney+ is going all out with a Star Wars Anime 48:38 - Weekly Anime News 57:37 - One Piece Gender Bend 1:11:49 - Marine Ford Broke me already... 1:22:02 - 5 Star Reviews! 1:35:04 - Nani no Anime Cereal Tier List --- Support this podcast: https://anchor.fm/naninoanime/support

This week on the podcast I am very excited to have on coach Shay, who won the competition we held alongside the launch of the Peak Gymnastics Power course. Which included a free consultation with me to chat, ask any questions and help with anything from culture, flexibility, strength, etc. It ended up being an awesome talk, where we discussed how to help athletes get more flexibility in their shoulders and how to get better active flexibility and full 180 degrees in their leaps and jumps. We also talked about cardio and energy systems training to improve gymnast's stamina in floor and bar routines. I share my screen and we write and build a new program together for her athletes from scratch. I'm very grateful that she won the random draw because she sounds like she's doing an amazing job in Australia with their kids.   We DISCUSS; how to screen athlete's shoulders to identify the specific issue that's causing them to struggle with shoulder mobility.    The BEST exercises to do to improve shoulder flexibility in each of the different issues that the gymnast may have.   HOW strength can improve flexibility.   The split complexes YOU NEED to get your athletes splits flat.   HOW to create a cardio program for preseason and the offseason.   ALSO…   BARDIO! It's cardio but specifically to improve upper body endurance and stamina for bars.     RELATED EPISODES: How To Build Explosive Power in Gymnasts with Diwesh Poudyal  The 3 Steps for Building Explosive Speed and Power in Gymnastics  How To Build Gymnastics Strength and Power with Ellie Black's Strength Coach, Scott Willgress

This couple went from -187K to 1.2 million in 5 years. Their key to success? Budgeting software, You Need a Budget, and following it to a T. In this episode they discuss how they got the reluctant partner to buy into budgeting. If you and your partner are not on the same page financially check out the article 7 ways to get your partner on board financially. https://www.whitecoatinvestor.com/7-ways-to-get-your-partner-on-board-financially/  Your patients deserve affordable and convenient healthcare. We help them get the medications they need at a price they can afford. When you hand out GoodRx savings cards or recommend the GoodRx app to your patients, you could be saving them up to 80% on their prescriptions. GoodRx is accepted at over 70,000 U.S. pharmacy locations, no insurance needed. In fact, GoodRx prices are so low they may even beat insurance. All patients have to do is show the card or app to the pharmacist to save. Learn more at https://goodrx.com/WCI  The White Coat Investor has been helping doctors with their money since 2011. Our free financial planning resource covers a variety of topics from doctor mortgage loans and refinancing medical school loans to physician disability insurance and malpractice insurance. Learn about loan refinancing or consolidation, explore new investment strategies, and discover loan programs for specifically aimed at helping doctors. If you're a high-income professional and ready to get a "fair shake" on Wall Street, The White Coat Investor channel is for you! Be a Guest on The Milestones to Millionaire Podcast: https://www.whitecoatinvestor.com/milestones  Main Website: https://www.whitecoatinvestor.com  Student Loan Advice: https://studentloanadvice.com  YouTube: https://www.whitecoatinvestor.com/youtube  Facebook: https://www.facebook.com/thewhitecoatinvestor  Twitter: https://twitter.com/WCInvestor  Instagram: https://www.instagram.com/thewhitecoatinvestor  Subreddit: https://www.reddit.com/r/whitecoatinvestor  Online Courses: https://whitecoatinvestor.teachable.com  Newsletter: https://www.whitecoatinvestor.com/free-monthly-newsletter 

It's OTTWeekender Time! We check out the best FREE RPG yet! You NEED to play Degenesis and try out their epic world full of stunning art. ► Join Us On Discord https://www.beastsofwar.com/featured/opening-our-discord-server-for-everyone/ ► Subscribe & Share! Massive 100K Subscriber Giveaway https://www.youtube.com/ontabletop  As always, make sure to dive into the comments and tell us all of your thoughts about the show this week and what we chat about! Wild Assent Week - Great Prizes To Win! Make sure to catch up on Wild Assent Week alongside the folks at Lazy Squire Games.  ► Check Out Wild Assent: Lavon Rising On Gamefound https://bit.ly/Wild-Assent-Lavon-Rising-Gamefound  ► Check Out More From Wild Assent https://www.beastsofwar.com/game/wild-assent/  There are loads of great prizes for you to win. All you have to do is comment on the #WildAssentWeekOTT videos and you'll be able to get your hands on some epic pledges. Infinity Crimson Stone Week  Coming up on Monday, Corvus Belli is going to be launching their Crimson Stone Week. ► Infinity Crimson Stone Week Trailer https://www.beastsofwar.com/infinity/infinity-operation-crimson-stone-themed-week-monday/  Make sure to check out the trailer up above and let us know what you'd love to see as part of this brand new Infinity release. There is a lot of cool stuff coming your way. Indie Of The Week - Degenesis Gerry has been absolutely blown over by possibly the best free RPG yet. This amazingly detailed roleplaying game called Degenesis has rocked our socks. ► Check Out Degenesis For Yourself https://degenesis.com/   With all of their rules, lore and more available for free there is no reason not to give this one a look. It also features absolutely epic art and amazing books if you want to snap up a bespoke and unique product! Tabletop Gaming News Here is some of the wargaming, tabletop and miniatures news this week which caught our eye and made us go "ooooh!" ► Samurai Warband For Test Of Honour https://www.beastsofwar.com/historical/new-samurai-warband-grey-for-nows-test-of-honour/   ► Mortal Gods Heroes & Troops https://www.beastsofwar.com/news/mythic-heroes-footsores-mortal-gods-this-month/   ► Novac Dawn's Amazing Werewolves https://www.beastsofwar.com/news/novac-dawn-creature-caster-the-wolf-pack/   ► Summertime Card Game By WizKids https://www.beastsofwar.com/news/fresh-prince-dj-jazzy-jeff-card-game-summertime/   ► Incas For Warlord's Mythic Americas https://www.beastsofwar.com/warlord-games/incas-battling-warlords-mythic-americas/   ► More OverDrive Details From Mantic Games https://www.beastsofwar.com/board-games/mantic-first-details-new-sci-fi-game-overdrive/   ► The Faraway Sea From Steamforged Games https://www.beastsofwar.com/news/feline-canine-animal-adventures-faraway-sea/  Let us know if something from this week made you "oooh!" and if we missed anything! 3D Printing Is The S**t! Get a look at the newest July offerings from the folks at Warploque Miniatures. ► Check Out The Latest Patreon Offerings Here https://www.patreon.com/warploqueminiatures   Take a look a the new Star Elves and Beastfolk Clans that you can pick up in 28/32mm and 10mm! Tabletop Gaming Kickstarters See what you make of these fundraisers we've picked out from this week on the funding platform... ► Wild Assent: Lavon Rising https://bit.ly/Wild-Assent-Lavon-Rising-Gamefound  ► Coalitions https://www.kickstarter.com/projects/phalanxgames/coalitions   Let us know if you'll be checking out these projects in the comments down below. Make sure to check out all of this tabletop goodness and have a great weekend of gaming fun. Stay Safe!

Sadhguru speaks about the power of silence and stillness, which is a means to move from compulsiveness to consciousness. To Become STRONG, You Need to Know the Way of Silence.► Watch this Episode on Youtube: https://youtu.be/6x-I1Cutgf8

Live long, live well, live FUN! Here are seven key foundations to not only lengthening your life, but having as much fun as you can in the process. Come hang out with me on Instagram! @drkatherinehofmann @customizeyourhealth Get longevity tips straight to your inbox: https://view.flodesk.com/pages/60a93cbd2c1a417c524f75f2 www.customizeyourhealth.com Related Episodes: - BONUS: If you do it right, yes, fitness can be fun! https://soundcloud.com/user-186665943/if-you-do-it-right-yes-fitness-can-be-fun -#72: Want Meaningful Connections? You Need to Be Setting Artful Boundaries https://soundcloud.com/user-186665943/72-want-meaningful-connections-you-need-to-be-setting-good-boundaries #68: What is Healthy Aging https://soundcloud.com/user-186665943/68-what-is-healthy-aging #55: Lifespan, Healthspan, and Longevity https://soundcloud.com/user-186665943/55-lifespan-healthspan-and-longevity Get your virtual Human Design Reading: www.artfulboundaries.com/humandesign Learn how to use your anger as a beacon of awareness: https://www.amazon.com/Anger-Awareness-Dr-Katherine-Hofmann-ebook/dp/B084B1G51F Get your free boundary workbook here: www.artfulboundaries.com/boundary NOTE: this podcast is provided for general informational purposes only, and nothing contained should be used as a substitute for medical advice. Please consult a licensed healthcare professional for advice appropriate to your case. Music: Working overtime (ft. airtone) by robwalkerpoet (c) copyright 2013 Licensed under a Creative Commons Attribution Noncommercial (3.0) license. http://dig.ccmixter.org/files/robwalkerpoet/43709 Ft: airtone

Jesse Mecham, found of You Need a Budget joins us with a fantastic list of ways we can be a lot less stressed out about money, communicate better about money with out loved ones, and in the end feel and be more in control of our finances.  For more information, visit the show notes at https://www.bobbirebell.com/podcast/jessemecham

A Priest, a Mountain Biker, and 14 Ibbotts Walk Into a Bar. Why was your Battle Cry Shit on Me? Don't Toss Grandma off a bridge. Words you never want to hear your Mother say. What is Bukkake? The NUT Part Is Emphasized! You Need a Permit to Spread Grandma. Quarter Cocked Caravan Of Cars. IT'S A TARP!!!!! Park Icon not to Scale. No Scratch, Just Half a Bush. In Soviet Russia, Tella Nuts You! The 80s Creeped up my butt and stayed there! I only watch the games for the nostril hair. Attracting No Drama Magnets. Making Things With Bill and more on this episode of The Morning Stream.

A Priest, a Mountain Biker, and 14 Ibbotts Walk Into a Bar. Why was your Battle Cry Shit on Me? Don't Toss Grandma off a bridge. Words you never want to hear your Mother say. What is Bukkake? The NUT Part Is Emphasized! You Need a Permit to Spread Grandma. Quarter Cocked Caravan Of Cars. IT'S A TARP!!!!! Park Icon not to Scale. No Scratch, Just Half a Bush. In Soviet Russia, Tella Nuts You! The 80s Creeped up my butt and stayed there! I only watch the games for the nostril hair. Attracting No Drama Magnets. Making Things With Bill and more on this episode of The Morning Stream.

Episode 123 : This episode will expose what the media is not telling you about Covid. This is BIG! This is so damn big the media silence shows they are part of the problem. The FED knows more then they are telling us. You NEED to watch this. please share.

Hello and welcome to The Growth Vault podcast where everything I talk about is to help you grow and sell in a profitable 7 Figure business... In today's episode we'll be talking with my good friend Brian Hegarty he's one of the smartest and most successful person I know and I can't wait until you hear what he has to say... Let's open up the vault and see what else we'll be talking about in today's episode... -How to grow your business, It's as simple as that! -How to get your customers to pay more for your product and and still be happy paying it... -The best content to have as a business owner that will get you more jobs... -You NEED to do this to grow your business... Today's episode is full of mind bombs and pure knowledge that I hope you take advantage of, prepare yourself as you enter The Growth Vault... If you want to go even deeper go check out The Growth Vault Facebook Group by clicking https://www.facebook.com/groups/growthvault (Here)... And if you also want to see Brian Hegarty system for pricing click this link right http://s3.amazonaws.com/MiniDebate/AutomateGrowSell/Pricing%20Sheet%202021-HOUSE%20WASHING.pdf (Here)...

00:00:00 We both had eventful weekends00:32:04 You NEED to buy this for your family00:49:06 DO you think this is a good idea for Jake01:15:29 The Aaron Carter Fight
01:35:57 TFJT02:03:46 Will this happen to Tanner

What kind of human are you, and how do you know? Who were you MADE to be, and what kind of life were you MADE to live? These can feel like big, daunting questions. Maybe you've actually been seeking better answers to those questions but feel like you've reached a dead end. Or maybe to some of you, they don't feel like particularly useful questions or even very interesting.  Whatever camp you're in, in this episode I hope to make a convincing case for the value of building your personal owner's manual, and I'll give you the tools to do it.    Ray's Story Ray pushed back from his desk and leaned back in his chair. He closed his eyes, rubbed them with the palm of his hands, and slowly opened them again. The lights of the city glowed and blinked beyond the floor-to-ceiling glass of his corner office on the 42nd floor. He glanced at his watch. 11:30. He knew he was tired, but seeing how late it was made the tiredness sink into his bones. A half-eaten poor excuse for a cobb salad sat wilted on the desk to his right, a dollop of dressing dangling off the edge of the plastic to-go container and threatening to leap onto the affidavit beneath it.  His phone screen lit up. “Love you. Miss you” said the first part of the text from his wife. “Lasagna's in the fridge. Oh, almost forgot--Blake scored a goal tonight.”  3 weeks of late nights and working weekends. And this wasn't the first time--not by a long stretch. It seemed like every client was now a “big client” whose case demanded this kind of TLC.  Ray let out a long, slow sigh. Then, with a ferocity that startled him, he sat up and slammed his fist onto the pile of papers in front of him. Poised over his desk, his fist throbbing from the impact, out of the corner of his eye Ray saw the dollop of dressing make good on its threat and land on the affidavit.  Something had to change.    Tanya's Story Tanya dug her paddle into the water to guide her kayak through the last of the rapids. As the river widened, the water slowed and flattened, and the roar of the rapids subsided, she peered back over her shoulder to see how her friends were faring. Two more kayaks trailed behind her, and the whoops and hollers of their occupants were all Tanya needed to know that her friends were doing just fine. She turned back around to face downriver, rested her paddle across the bow, and allowed her kayak to drift with the current. Canyon walls towered over her, and in an instant the late afternoon sun dropped below the rim of the canyon and put Tanya in deep, cool shadow. She closed her eyes and drank in the stillness. Or at least, she tried to. Usually, these moments were blissfully peaceful for Tanya. But this moment was different. She was aware again of a nagging restlessness--something that had popped up a few times before in moments of stillness on this trip--on the drive out, and around the campfire. It confused her, because up until this moment, she'd always been able to count on river trips to tamp down the restlessness that plagued her back in the real world, where she was dutifully applying her chemistry degree in a hospital lab. But now the restlessness had tracked her down and invaded her river sanctuary.  In that moment, a deep sadness crept into Tanya's heart with the knowledge that the river was no longer a reliable refuge. And a new, even more troubling sensation made itself known: desperation. If not the river, then where could she go or what could she do to find relief from the restlessness? Her eyes popped open and widened. The familiar lines and shadows and contours of the river and the canyon now took on a strangely foreign feel. She blinked, and her eyes welled up. Something had to change.     Their Story = A Familiar Story On the one hand, Ray's and Tanya's stories are fictitious. On the other hand, though, they're not really, are they? They're representative of thousands upon thousands of other people's stories of stuckness, confusion, and quiet despair. Stories of stuckness, confusion, and despair occurring beneath a veneer of outward “okayness” and a semblance of success. Maybe you found YOURSELF in one of these stories somehow.    Why a Personal Owner's Manual? In my personal experience and my work with my clients, I've learned that without fail, an inadequate understanding of the kind of human we are, who we were made to be, and the life we were made to live is substantially complicit in creating stuckness, confusion, and despair in our lives.  And more often than not, it's unnecessary stuckness, confusion, and despair--a predicament that can be resolved by updating our personal owner's manual.  I say “updating” our personal owner's manual, BTW, because for most of us, it's not truly that we lack an owner's manual altogether. It's just that it's jammed way back in our mental glovebox--not easily accessible, neglected, pages bent, some pages missing, and others incomplete. Relegated to a place of irrelevance and relative uselessness in our hearts and minds. It's been assembled through a hodge-podge of life experiences and vague lessons- learned--but very little of it is useful and actionable in a conscious, intentional, purposeful way day-to-day.  As a result, we are more passive than active, more reactive than proactive, more unconscious than conscious, and more likely to find ourselves in Ray's or Tanya's situation in one way or another. And if we do find ourselves there, less likely to know what to do about it. We may reach for the old owner's manual stuffed way back in our mental glovebox, but its contents aren't adequate to the task of helping us know how to deploy ourselves more effectively in order to get a better result.  Even with a decent personal owner's manual, we find ourselves in unknown territory often, of course--for at least two reasons: 1) Life is uncertain and much of it is simply out of our control, and 2) with the help of a useful personal owner's manual, sometimes we intentionally choose to deploy ourselves in new and unfamiliar environments in the pursuit of something we want. For example, if I want to become a published writer because the contents of my owner's manual point me in that direction, then I'll have to put myself in new situations and encounter new challenges in order to become one.    The Benefits of a Personal Owner's Manual Here are three key benefits of having a useful personal owner's manual: First, you understand yourself better. Which means that you can intentionally design your life around the kind of human you are vs. who you're not and what you're especially good at vs. what you're not. You learn to see yourself as a certain kind of human suited better for certain environments and pursuits than the many others available. Which allows you to focus time and energy where you'll get the best bang-for-buck. For example, if I was a car, I might be a late-70s Toyota Land Cruiser. I won't get anywhere very fast, but if you need me to climb a windy, solitary, rutted mountain road, I'm your guy. By comparison, if you wanted me to go toe to toe with a ferrari on a race track...well, technically I'd be able to drive the course, but I'm not going to break any records or give the Ferrari any actual competition, and I might burn up my engine if I pushed it.  Another benefit of a useful personal owner's manual is that you enjoy yourself more. Meaning, you literally learn to enjoy YOU more, AND you deploy yourself in the world in ways that are more consistently enjoyable and rewarding and less often unproductive and unfulfilling. To use the previous analogy, I've come to enjoy that I'm a vintage Land Cruiser rather than wish that I was a Ferrari. And I spend as much solitary time as possible on the less-traveled roads in life, enjoying the scenery and slowly connecting more dots of meaning together as I go. Imagine if I mistakenly believed I was a Ferrari and tried to perform like one in life? Or knew that I was a Land Cruiser but wanted to be a Ferrari--and tried to perform like a Ferrari anyway? It's just a matter of time before the wheels come off or the motor burns up.  And finally, you live the life that you were uniquely made to live. You find YOUR path amidst the almost infinite array of options available. This is a big one, because it benefits not only you but the rest of us, too. You get a life filled with more meaning, purpose, and contentment, and we get the very best that you have to offer in the world. And since you're the One and Only You--there only ever has been and only ever will be one person just like you--then you've got a difference to make in the world that only you can make.  There's one more big reason that a personal owner's manual is so incredibly helpful in our day and age, and I'll unpack it more in the next episode. Tune in to learn why the “global fish pond crisis” is wreaking so much havoc so easily on so many of us in the modern world.  Okay, but what actually IS a personal owner's manual, and how do you create one? Let's dig into that.    What's in a Personal Owner's Manual? I use a simple three-part structure for creating a personal owner's manual. And it even alliterates, which is handy. The three parts are Nature, Nurture, and Now. Let's look at each part more closely.  Nature is simply what you came into the world with--your “default settings,” so to speak. In my experience, surprisingly few of us have a good sense, at least in any quantifiable or actionable way, of what our default settings are. I focus primarily on two of our default settings in creating the Nature part of our owner's manual: personality and natural abilities. And two assessments create the foundation for understanding our personality and natural abilities.  The Myers-Briggs Type Indicator is an awesome tool for gaining deeper insight into the personality style we were born with. It describes your personality in four different areas and according to one of 16 different possible personality profiles. (My Myers-Briggs profile is INFP, BTW--which may not surprise you if you know something about Myers-Briggs already and consider what I do for a living.)  Think of your personality as prescription eyeglasses through which you view everyone and everything in the world. The prescription is unique to you, and though others may have the same 4-letter Myers-Briggs profile, no one else expresses that profile in exactly the same way as you. Every personality style has its own set of inherent strengths and weaknesses. And when you're more aware of what those are, you can design your life to play to your strengths and minimize your weaknesses. You can understand your relationships with others better and identify specific ways to improve them--especially in the areas of normal and natural differences between you and others that so often create problems but when identified can become sources of strength. I see this transformation from conflict around normal and natural differences to more powerful partnerships because of the differences regularly in my own life and in my clients' experience. It's one of the things I love most about deepening our understanding of our default settings in the area of personality.  The Highlands Ability Battery is an amazing tool for gaining deeper insight into the abilities that you were born with--as opposed to skills acquired along the way. It gives you objective data about how well and how quickly you solve problems, how you learn, how far into the future you naturally project, how well you are able to order your thoughts and share them with others, among many other things. Taken together, the results give you a compass for navigating the road ahead even more intelligently, enjoyably, and productively--prioritizing those things that play to your natural abilities rather than work against them.  You can get started on the Nature part of your personal owner's manual right now, if you want. Go to MBTIionline.com to take a self-guided version of Myers-Briggs for just $50 and about an hour of your time. You'll need someone to administer the Highlands Ability Battery for you. I can do that for you, or you can go to highlandsco.com to connect with someone.  With your innate personality and natural abilities better in hand, you've got a really solid foundation of understanding about the kind of human that you are. Land Cruiser? Ferrari? Interplanetary space vehicle? Whatever you discover, it sure will be good to know because then you can choose ideal rather than adverse operating conditions for the human that you are more often. And that means you're well on your way to enjoying yourself more and living the life you were made to live.  In the fictitious cases of Ray and Tanya, the Nature part of their personal owner's manual would help them understand the professional paths they're especially well-suited to--as opposed to the ones they're currently on that are causing problems--and how to manage their energy more effectively, among other things. But Nature isn't the whole story, and adding the next part of the personal owner's manual would help Ray and Tanya begin to make better sense of why and how they've arrived where we found them.  The next part of the personal owner's manual is Nurture. Basically, this is your Story--from as early as you can remember up until the present day. And it's distinct from Nature--things that you had no ability to influence--because even though things have happened to you that you had no ability to control, you have also been a conscious, active participant in your Story, writing it even as you lived it and living it even as you wrote it.  The goal of the Nurture part of the personal owner's manual is to understand and redeem as much of your past as possible for present and future benefit. It's a remarkable if not understandable part of the human condition that we so often live in relative ignorance of the impact of our Story on the person we've become and spend a lot of time trying to escape the especially painful parts. But I think that doing this is very much like cutting off our nose to spite our face. Because as you may have heard me say before, I believe that our Stories and our Purpose in the world are inseparable. If our Story holds clues to our unique Purpose in the world, then knowing them intimately and mining them for as much meaning as possible is an extremely useful undertaking.  For example, in episode 003, How to Turn Your Imperfections Into Superpowers: The Key to Unlocking Your Unique Purpose, I share how after many years I was able to accept the Anxiety-ridden chapter of my Story. In turn, this acceptance led to greater enjoyment of the man that I am today, a genuine sense of pride in the battle that I've waged all these years--as opposed to a chronic sense of shame and inadequacy. And it also led to this podcast and the creation of the Graveyard Group masterminds--unique ways that I express my Nature and my Nurture as a coach. These things wouldn't have come into existence without this revisitation of my Story.  In the cases of Ray and Tanya, developing the Nurture part of their personal owner's manual would help them each understand better the forces and choices in their Stories that led them to the moments where we found them. And with greater insight, they would increase their perception of the options available to them based upon the clues that their Stories provided as to their unique Purposes in life--options to leave behind, adapt, or embrace parts of their Stories that they'd long neglected or resisted.  In your case, developing the Nurture part of your personal owner's manual can begin in earnest right now. First, on the mental and emotional levels, begin with a decision to view your story as a goldmine of untapped insight into who you are, how you became who you are, and how clues from your past shine light on the Path that lies ahead of you.  Next, on a more tactical level, begin to review your life in 10-year increments--without judgment, with as much honesty and courage as you can muster, and engaging curiosity and objectivity as your guides. Write down the significant events from each decade and how they impacted you. Don't rush this process. Let it be a process that's initiated and kept open in your heart and mind--a new way of engaging with your Story in a progressively revelatory way. Gradually, as meaning from the past is brought forward into your present, you become an even more skilled author of the chapter you're writing right now.  Clinical psychologist, author, cultural lightning rod, and Jordan Peterson created a very reasonably-priced online tool called Self Authoring, “a series of online writing programs that collectively help you explore your past, present and future.” I haven't used it yet, but I plan to, and there's huge benefit in using a pre-fab resource to overcome the inertia of starting out on your own into the murky past.  The third and final part of your personal owner's manual is Now. Now equals values, interests, experience, opportunities, and obligations. It's like emptying your pockets out onto a table in front of you to see what you've got on hand. Only these things aren't just loose change or car keys. Instead, they're current realities that will shape how you deploy what you've discovered in the Nature and Nurture phases of your personal owner's manual update. Values, for example, might influence whether you shoot for that partner position at your firm, in light of the fact that an even higher value than professional success is making memories with your family. This could be part of Ray's predicament--an internal values war. Interests are those things that just naturally call to you or pique your curiosity. What do your interests tell you about how to deploy your Nature and Nurture even more enjoyably and productively in the future? Your Experience is the sum of the knowledge and skills you've acquired over the years. In what ways has your experience especially prepared you for certain kinds of things more than others? Opportunities are both those that have presented themselves to you and those that you have created. They're the proverbial birds-in-hand. And Obligations are those outstanding commitments that impact how and when you're able to operationalize what you discovered in your consideration of Nature and Nurture. Sometimes, Obligations that first look like obstacles can, in fact, to quote Ryan Holiday of The Daily Stoic, become the way.  So that's a quick and dirty description of the personal owner's manual and how to begin updating yours right now. It's simple, on the one hand, but it's not easy. Bear in mind that it's as much a mindset as it is an actual process, an attitude of self-discovery that opens up new veins of Insight that can be converted into Action to yield Transformation.    You Need a Partner You can certainly make a lot of progress on your personal owner's manual flying solo. But it's my conviction that we all need one or two trusted, confidential, skilled partners to help this work realize its potential in our lives. All three parts of the personal owner's manual need an external, more objective perspective to be seen for what they really are. And the magical moment when potential becomes reality is the moment we decide to apply real-world Action to our Insights. Without external support, we're more likely to stop at Insight than we are to move on to Action. If we know all about the car we own because we've read the manual from cover to cover but never actually take it for a spin, our knowledge is of nearly no value whatsoever. Once you've determined that updating your personal owner's manual is useful and have begun that process, you've embarked on a strategic adventure of self-discovery that will make a difference now, can last a lifetime, and will help you know with confidence that you gave it all you had while you were still above ground and breathing. It will help you understand yourself better, enjoy yourself more, and live the life you were made to live.  Remember, you ARE going to die. But you're not dead yet. So get after it!   Let's Build Yours Together If you're turned on to the idea of updating your personal owner's manual, then connect with me to learn more about working together 1-1 or something new I'm creating, called the Personal Owner's Manual Academy. The Academy will take you through the three-part Nature / Nurture / Now process with the support of a small group of your peers and my input as your confidential guide.   Find me on Facebook, Instagram and LinkedIn, visit my website, or email me.    Follow Andrew Petty is Dying & Leave a Review Apple Podcasts | Spotify | Google Podcasts | Stitcher   If You Liked This Episode, I Think These Will be Useful to You, Too Ep. 003 | How to Turn Your Imperfections Into Superpowers: The Key to Unlocking Your Unique Purpose Ep. 016 | The Question That Changes Everything: The Go-to Tool for Living the Life You Were Made to Live Ep. 019 | The Cockpit is Yours: From Passenger to Pilot Ep. 025 | The Contentment Conundrum: Cracking the Code   Additional Resources & References The Obstacle is the Way: The Timeless Art of Turning Trials Into Triumph (Ryan Holiday) Jordan Peterson YouTube Playlist: This is a compilation of short Jordan Peterson clips on various topics that I found really useful.

For this mashup episode, we look back into our moments with Barbara Gustavson, Bengu Altinordu, and Dave Greenberg. If you'd like to check out each of their full interviews, you can head over below for the links to the episodes.   On this episode: Let's revisit our conversations with these world-class leaders and take a deeper look at what “leadership is changing” means for them! Resources Mentioned: https://podcasts.apple.com/us/podcast/introduction/id1517844848?i=1000477438691 (000: Introduction) https://podcasts.apple.com/gr/podcast/104-barbara-gustavson-build-trust-by-being-calm-and-steady/id1517844848?i=1000508171692 (104: Barbara Gustavson - Build Trust by Being Calm and Steady) https://podcasts.apple.com/gr/podcast/105-bengu-altinordu-to-lead-change-you-need-to-be-change/id1517844848?i=1000508436255 (105: Bengu Altinordu - To Lead Change, You Need to Be the Change First) https://podcasts.apple.com/gr/podcast/107-dave-greenberg-calm-the-farm-weve-got-this/id1517844848?i=1000509075917 (107: Dave Greenberg - Calm the Farm - We've Got This) Reach out to Denis: Email: denis@leadingchangepartners.com Website: http://www.leadingchangepartners.com/ (http://www.leadingchangepartners.com/)  Leadership Is Changing Facebook Group: https://www.facebook.com/groups/LeadershipIsChanging/ (https://www.facebook.com/groups/LeadershipIsChanging/) Leadership is Changing LinkedIn Page: https://www.linkedin.com/company/leadership-is-changing-podcast/ (https://www.linkedin.com/company/leadership-is-changing-podcast/)

Run for Cover: Utter Financial Chaos Is the Only Guarantee Warns Doug Casey and You Need an Escape Plan and Untraceable Wealth ASAP Warns Robert Kiyosaki   Run for Cover: Utter Financial Chaos Is the Only Guarantee Warns Doug Casey You Need an Escape Plan and Untraceable Wealth ASAP Warns Robert Kiyosaki   Run for Cover: Utter Financial Chaos Is the Only Guarantee Warns Doug Casey https://youtu.be/rQ9KVhz_BMc Stansberry Research 330K subscribers New York Times best-selling author Doug Casey speaks up about the dire state of the economy. "There is only one guarantee, and that is utter financial chaos," he tells our Daniela Cambone in this candid conversation. #investor #investing #stocks Get the same kind of tools used by the world's elite investors: https://stansberryinvestor.com ______________________________ Follow us on Facebook: https://www.facebook.com/StansberryRe... Follow us on Twitter: https://twitter.com/stansberry Follow us on Instagram: https://www.instagram.com/stansberry_... Follow us on LinkedIn: https://www.linkedin.com/company/stan...   You Need an Escape Plan and Untraceable Wealth ASAP Warns Robert Kiyosaki https://youtu.be/SAaHe26RdsY 168,742 views Stansberry Research 330K subscribers Robert Kiyosaki, best-selling author of the Rich Dad Poor Dad Series, outlines his plans for financial survival during these turbulent times. "Now more than ever, you need untraceable wealth," he tells our Daniela Cambone. Kiyosaki explains why gold and silver are his favorite investment choices over other assets, including Bitcoin. He also details his escape plan when the incoming chaos hits.

Jesse celebrates -- can you believe it?! -- the 500th episode of the You Need a Budget podcast. Nearly 10 years ago, Jesse started this podcast as an experiment. Over the years the mics have been upgraded, the acoustics have gotten better, but the message has remained the same: follow the Four Rules, and make your dollars work for you and your priorities.   Jesse reminds us that, much like doing the podcast, budgeting is mostly just doing the work, day in and day out. Budget is a verb, an activity that you do every day, and simply showing up and continuing to do it over time yields big results.   YNAB the company is still growing, and so is the podcast. Jesse and his longtime friend and corporate finance expert Mark Butler have launched a new show for small businesses called Beginning Balance. Download and subscribe here! https://podcasts.apple.com/us/podcast/beginning-balance/id1569423517

Polycystic Ovarian Syndrome (PCOS) is the most common cause of female infertility. I'm joined by Dr. Felice Gersh, a leading OB-GYN treating patients with PCOS, to talk about the signs, symptoms, and long-term effects of the syndrome. Felice also shares some of the benefits of PCOS when you have it under control.   You Need to Have Two of These Three Symptoms for a PCOS Diagnosis: Irregular menstrual cycle High levels of Androgens in a blood test An ultrasound showing tiny cysts in the ovaries   About Dr. Felice Gersh Felice Gersh, M.D. is a multi-award-winning physician with dual board certifications in OB-GYN and Integrative Medicine.  She is the founder and director of the Integrative Medical Group of Irvine, a practice that provides comprehensive health care for women by combining the best evidence-based therapies from conventional, naturopathic, and holistic medicine.  She taught obstetrics and gynecology at Keck USC School of Medicine for 12 years as an Assistant Clinical Professor, where she received the highly coveted Outstanding Volunteer Clinical Faculty Award. She now serves as an Affiliate Faculty Member at the Fellowship in Integrative Medicine, through the University of Arizona School of Medicine, where she lectures and regularly grades the case presentations written by the Fellowship students for their final exams.  Felice Gersh, M.D. is the bestselling author of PCOS SOS and the PCOS SOS Fertility Fast Track, and she has published articles in peer-reviewed medical journals.  She is a prolific lecturer and features in several films and documentary series, including The Real Skinny on Fat with Montel Williams and Fasting with Valter Longo, Ph.D.   What Exactly is PCOS? Dr. Felice Gersh is a leading expert on Polycystic Ovarian Syndrome (PCOS). She explains what PCOS is and how common it is among women, affecting between 6% - 12% of Americans. A woman must have two of three specific symptoms of PCOS in order to have a diagnosis. However, there are so many other symptoms related to the syndrome, including excess facial hair, weight gain, and acne outside of puberty. Felice says that one of the leading causes of the rise in PCOS is our reliance on plastics. Plastic, even BPA-free plastic, is toxic. It's an endocrine disrupter that impacts women of all ages. There is no safe amount of plastic at any point and the risks are higher during pregnancy.   Society, Women, and PCOS Felice explains that PCOS existed in women throughout history. The excess testosterone had biological benefits, allowing for extra strength and stamina when needed. As society and culture changed, however, and the introduction of chemicals, this excess testosterone leads to health complications. Society's reliance on pollutants and toxins, from plastic bottles to chemical cleaning products, has a negative effect on women with PCOS. Felice shares why this is and how you can start reducing your exposure to these pollutants. PCOS increases your risk of a number of long-term health issues, such as diabetes, and Felice recommends seeking out treatment. She does not recommend the birth control pill for women with PCOS as it disrupts hormones more than they already are, simply masking a bigger problem. Do you have irregular periods? While it might feel nice not having to deal with a regular menstrual cycle, it is damaging for your health. Call the Integrative Health and Hormone Clinic today and schedule your first appointment at 319-363-0033.   Quotes “There's no safe plastic. That's important to know. If it's made out of plastic, it's got something in it that is an endocrine disrupter and is toxic to you. There's nothing out of plastic that you can put any label on that is going to make it safe.” [11:55] “We now know, unfortunately, that BPA in pregnancy concentrates in the fetus. The amount that's circulating in the maternal blood is significantly less than what's actually in the fetus. It gave people the wrong idea. There's really no safe level of poison. It's just safer. Less is better than more. Not to mention the interactions with all the other endocrine disrupters in the body.” [12:17] “Estrogen is the glue that glues metabolic functions of the body to reproductive functions so it all works together to create one whole, healthy female. So she can safely reproduce and stay healthy.” [16:46] “Women with PCOS, unlike women with menopause, do have estrogen, they just don't have enough. Whereas with menopause, ultimately their ovaries make no estrogen, women with PCOS just don't make enough. But we have poor women with PCOS because they're now producing all this testosterone. Now, why would they make all this testosterone? It's because it's part of the assembly line to make estradiol, the estrogen from the ovaries. If the brain is saying, ‘I don't have enough estrogen,' it puts out the signal, called luteinizing hormone, via the pituitary gland, which triggers the ovary to make the precursor to estradiol: testosterone. Now, you're making all this luteinizing hormone, it goes high, and now you're making all this testosterone, but you have this block so you can't go down the assembly line smoothly to turn it into estradiol. So the brain keeps saying ‘more estrogen' which makes more LH, which makes more testosterone. It's a comedy but without the fun part. You have this assembly line and you can't get from this step to this step properly.” [19:08] “There are innate benefits of being PCOS. If we can take our bodies back to their origins, back to their original healthy state, without all these chemicals or toxic food, we can recreate the health and vibrant life of a woman with PCOS without all the negative stuff.” [25:03] “It doesn't make sense to give birth control pills to women with PCOS. We have to have better ways to deal with both contraception and all the manifestations of PCOS.” [38:46]   In This Episode What PCOS is and what the symptoms are [5:15] How common PCOS is among women [9:15] How much plastic to use [11:00] The connection between pregnancy and BPA plastic [13:00] What the problem with excess testosterone is [20:15] How our modern society, pollutants, and toxins negatively affect women with PCOS [24:00] What PCOS increases your risk of [27:00] The problem with birth control pills [35:00]   Links & Resources Use Code BERBERINE for 10% Off Berberine Support Get Your Free Gift: Menopause SOS by Dr. Felice Gersh Buy PCOS SOS Fertility Fast Track: The 12-week plan to optimize your chances of a successful pregnancy and a healthy baby by Dr. Felice Gersh Buy PCOS SOS: A Gynecologist's Lifeline To Naturally Restore Your Rhythms, Hormones, and Happiness by Dr. Felice Gersh   Find Dr. Felice Gersh Online Follow Dr. Felice Gersh on Instagram | Facebook | Twitter | YouTube | LinkedIn   Find Your Longevity Blueprint Online Follow Your Longevity Blueprint on Instagram | Facebook | Twitter | YouTube | LinkedIn Get your copy of the Your Longevity Blueprint book and claim your bonuses here Find Dr. Stephanie Gray and Your Longevity Blueprint online    Follow Dr. Stephanie Gray on Facebook | Instagram | Youtube | Twitter | LinkedIn Integrative Health and Hormone Clinic Podcast Production by the team at Counterweight Creative    Related Episodes  Episode 52: Functional Gynecology With Dr. Tabatha Barber Episode 51: Brilliant Menopause Secrets With Dr. Kyrin Dunston Episode 50: Pelvic Floor Health With Dr. Betsy Greenleaf

A huge part of running a successful subscription box business is marketing yourself through effective online ads. Many of us turn to Facebook to run ads, but it can be frustrating to try and read through the data to see if those ads you paid for are actually working for you. On this week's podcast joining me is my biz bestie Susan Bradley, owner of the Social Sales Girls, to help us figure out what works with ads and teach us that a successful ad doesn't always equal a sale.   “You Need 3000 Web Visitors a Month to Get One Sale” - Susan   The whole point of running Facebook ads is not “run an ad, get a sale.” It's to keep your brand and your business at the top of people's minds and drive them to your store page. A successful ad is one that gets people to stop scrolling and read the copy that accompanies it and attracts them to click through and go to your store site.   There are three types of Ads that are the most important for product sellers, and each have a different role to play in attracting people to your product.   Engagement Ads: These ads are successful when they build your audience and extend your reach with a cold audience. These ads help spread the word of your brand with those audiences that will potentially like or share the ad because it has piqued their interest.   Conversion Ads: When you're ready for people to take action on your product, like when your cart is open and you're in the middle of building a sale, conversion ads should help drive those engaged customers to your site over and over and start looking at signing up for your list or start thinking hard about buying your product.   Lead Ads: This is when your customers are at their warmest, they know about you, they've seen the product, and they've signed up for your email list. You want to be sending them content that will engage them with your product and your site, and really help them make that last leap and make them part of your audience that's ready to subscribe.   It's important to remember that not all ads are created equally, and success is more than an ad for a sale! They each have a purpose in getting potential customers to your website and warming them up to becoming a return subscriber. Having a strategy behind your ad buys is going to give you that peace of mind you need about the future of your business, and keep your audience growing and your sales increasing.   Traffic Bootcamp Live with Susan Bradley Get your ideal audience excited & clicking on a budget that won't break the bank. Live Event Starts June 13th  Sign up at:https://classroom.thesocialsalesgirls.com/a/2147488425/zgW6HoFL    Remember to subscribe to the podcast on your favorite podcast provider, as well as leave a 5-star rating and a review! You can also get on my waitlist for my subscription box course at https://www.launchyourboxwithsarah.com/.

You need to get ATTENTION and earn TRUST for a complete stranger on social media to turn into a follower... and then for them to turn into a client by feeling like they trust you enough to pay you. Because people will only pay you when they trust you. So when you are building your brand you need to create the ultimate  experience for the people who you want to serve. You NEED to show up for them... They need to be able to LISTEN TO YOUR VOICE and SEE YOUR FACE every single day. The strategy I share in this episode is the secret sauce to making a complete stranger know, love and trust you faster. To join my community click here. 

* Noza to the Ohza*What Products do You Need to Try?*Who Needs a Label?*It's a Lot of Work Being a Girl and More!!!

#109 Today I'm talking with the author and founder of You Need a Budget, Jesse Mecham. The YNAB app started with a simple spreadsheet he created so he and his wife could generate an extra $300 a month. Now they are busy discovering how to teach their seven children about why they need a budget.   We're talking about why budgets are ever-changing, how to engage your kids' money personalities, and why you don't have to be a money expert to teach your kids about budgeting.   (8:54) Learn where people most often overcomplicate their budgets  (11:09) Here are some tips for helping a reluctant partner understand why you need a budget  (25:24) Wondering how you can discourage kids from buying things you don’t want them to buy? Check out these tips!  (27:16) Check out the four YNAB rules and why they are easy enough for kids to understand  (31:00) Hear about the many different versions of budgeting systems Jesse and Julie have tried in their home (42:35) This is how Jesse is thinking about raising kids who will likely find partners as adults who aren't as financially savvy as his kids will be (47:13) Chelsea’s Top Takeaways    Looking for more information, mama? Visit the show notes at https://www.smartmoneymamas.com/109 Grab your FREE Family Money Values Template https://smartmoneymamas.com/family-money-values-template/  

Welcome to this special episode of WorkParty as part of our Budget Broadcast Series in partnership with You Need a Budget (YNAB), designed to educate everyone on the power of building a budget. Whether it’s starting a business, saving for a trip, or taking control of your finances once and for all, a budget (of all sizes) can help you accomplish those dreams. YNAB is the leading personal finance platform that has helped hundreds of thousands of people take control of their finances–including our guest today. In this third and final episode of the WorkParty and YNAB Budget Broadcast Series, I’m sitting down with Ashley Brooke to chat about money mindset–how to overcome common obstacles, manage money stress, and budget for fun–not just for fear. Join the party on social @workparty and stay in-the-know at workparty.com.  Produced by Dear Media

Welcome back to the Business Journey podcast! I'm SO excited to be sharing today's episode with you because I truly believe in the power of reading. Honestly, I think every small business owner should make time to read because it's just such a powerful experience and way to consume content that can change your life. Today, I'm excited to be sharing FIVE books that have been transformational for my business with you. Remember, you don't have to actually read the book to consume the knowledge - try an audio book if you can't find time to sit and read. There's so many options to get the content - so let's dive right in! Making Time to ReadLook, I get it. We're all SUPER busy people - running businesses, raising kids, and having a life. But I just want you to remember that if you read 20 minutes a day, you can finish at least one book a month. I used to believe that if I couldn't finish a chapter, it wasn't worth reading in that sitting. But now, I've learned that's not the case. Try to carve out a little time for YOU. Whether you read or listen to an audiobook, give yourself that time to relax and enjoy! Now, onto the books! Profit First by Mike Michalowicz"Profit First" was seriously transformational for my finances. This book helped me understand that the idea of having a profitable business was possible. This book teaches you how to allocate your expenses, profit, and what you actually pay yourself so that you can make money! Combined with the http://www.ynab.com (You Need a Budget (YNAB)) app and website, this book seriously changed how I look at my money! Traction by Gino Wickman"Traction" is alllll about how you structure and run your business, a concept Wickman calls "EOS". The whole book walks you through how to structure your team - and even if you don't have a team, you can learn a lot about how to manage your business. Wickman helps you plan longterm for your business, looking ahead 3, 5, and 10 years in advance so you can figure out where you want your business to go. This book truly helped me understand the WHY of my business. Rocket Fuel by Gino Wickman and Mark WintersI wasn't lying when I said I loved Gino Wickman. Wickman partnered with Mark Winters to write this one. It's a bit of a spinoff from "Traction", but it really focuses on the relationship between a visionary/CEO and their team, especially an integrator. This relationship is super powerful and "Rocket Fuel" helped me understand how to lean into and use that to my advantage to grow. If you're even considering a team or are in the beginning stages of starting one, read this book! The One Hour Content Plan by Meera KothandI have to admit that this book was a SUPER fast read but it was incredibly helpful. Kothand helps you map out a year of content, no matte what kind of business you're in. Because of this book, I had hundreds of ideas for content pieces. She honestly makes it so simple by asking questions that get you thinking about what your audience wants, and you'll wind up writing out a huge brain dump. Trust me! It's worth the read! The Miracle Morning by Hal ElrodHonestly, "The Miracle Morning" was great for my personal life more than anything but it did impact my business, too! This book really helps you outline a morning routine - one that's solid and focused. Whether you're a morning person or not, Elrod reminds you that giving yourself a sold routine will help you be the best version of you. And there you have it: 5 books that have transformed my business! I hope that you go grab a copy and dive in. Truly, I believe the chance to read through some of these amazing ideas will help you in your own business. I know it sparked a LOT of thoughts and changes for me!  Links Mentioned in Episode+ 1https://rebeccaricephoto.com/12-ideas-minis-opt-in (2 Mini Session Ideas ) + https://amzn.to/3tQwuP4 (Profit First) + https://amzn.to/3w6TI5b (Traction) https://amzn.to/3fmK33J (+Rocket Fuel) + https://amzn.to/2SG6WHx (The One Hour...