37 Burst results for "30 Day"
Mark Levin
Guest Host Rich Zeoli Unpacks the Latest Elon Musk Attack
"Media matters executed this plot in multiple steps as x's internal revealed first media matters access accounts that have been active for at least 30 days passing x's add filter for new users media matters then exclusively followed a small subset of users consisting entirely of accounts in one of two categories ready category number number one those known to produce extreme fringe content and category number two accounts owned by twitter's big name the end result of that is the algorithm keeps showing them extremist lunatics on the platform and also their biggest advertisers that's what the algorithm is showing them now there are not a lot of extremist lunatics on the platform there are 500 million users the amount of actual extremist lunatics on there is very small small very it's like 0 .0 percent to quote dean but the algorithm does its job so it shows those accounts because they're following them and then it shows the big the advertisers then what they did was a feed precision for the single purpose to produce side -by ad slash content placements that it could screenshot in an effort to alienate advertisers there are various programs that allow you to see multiple tweets values a program called tweet deck so I can keep tweets open and I can scan different accounts I can know if somebody's talking about me I can you can use platforms like that you can see multiple tweets that's essentially kind of similar so they would have the column of their lunatics and the column of their of their advertisers
News, Traffic and Weather
Fresh update on "30 day" discussed on News, Traffic and Weather
"Vacations dot com. Performance prep is one of the region's top auto repair shops. Very good at solving complex car problems. And maintenance, maintenance, maintenance. Performance prep guarantees it's worth for 12 months, parts, and labor. AAA approved. Go to pprep .com. Performance prep is $540 on our Tuesday morning drive together. Bill Sports at the Beacon Plumbing Sports desk. Bill Meritor's hot stove trade leading off baseball's winter meetings. Seattle and Atlanta agreed to a five -player swap. The marinership inconsistent starting outfielder Jared Kelnick, veteran lefty Marco Gonzalez, and often hurt first baseman Evan White to the Braves. The M's get two relatively obscure young pitchers Cole Phillips and Jackson Cowher in return. They also jettisoned $20 million in salary next year. At the winter meetings in Nashville, mariners manager Scott Service says a change of scenery might do Jared Kelnick some good. I do think there is a lot of good baseball ahead of him. Very productive. The talent, the skills, they're all still there, and he's young. MLB Network's John Morosi writes Seattle is interested in a trade with Tampa Bay, possibly for All outfielder -Star Randy Arozarena. A disappointing Kraken hockey trip wraps up last night in Montreal with a 4 -2 loss to the Canadians. College football's 30 -day transfer portal is wide open, and of a players ton are moving to other schools, including Washington State quarterback Cam Ward. Washington Place, Texas, and the Big Easy, the Sugar Bowl, New Year's Day, but Huskies quarterback Michael Penix Jr. first is headed to the Big Apple. A finalist in Saturday night's Heisman Trophy presentation. Sports with Swartz at 10 and 40 After the hour, Northwest News Radio. I'm 42. We're going to check in with Kiera and get a traffic update for you in just a couple of minutes. Lincoln County Council is set to proclaim the week of December 25th, the Boys in the Boat week. This is to celebrate the feature film adaptation of the historic University of Washington rowing team that won the gold medal at the 1936 Olympics. Directs the film. of The daughter one of the rowers will be at today's ceremony. It starts at 1 30 at the King County Courthouse. Former UFC Champion Conor McGregor is teasing a run for president of Ireland. McGregor posted a picture of himself on X with the caption Ireland, your president McGregor has been very outspoken against the Irish government after riots happened in Dublin last month in response to stabbings in the city. I'm Trey Thomas. It's 5 43. Stay with us. We'll get back to Kiera in just 60 seconds for an update on traffic. Why is K two vision RLE a permanent solution to glasses, contacts and readers? How is it that you'll never develop a cataract after K two vision RLE? And how is RLE different from LASIK? Hey, it's doctors King and Copstein from K two vision RLE. We'll answer those questions and others when join you us for our free live webinar this Thursday at noon. Andy, what are some of the other questions you hear? Well, how long is the procedure and recovery or who's a good candidate for RLE? And we'll also answer how much does RLE cost? Is there financing available? Does insurance pay for RLE? Find out how K two vision RLE is the permanent solution to glasses, contacts and readers and cataracts too. Right. No more cataracts. K two vision's free live webinar this Thursday at noon. Space will be limited, so register now at K two vision RLE .com. Join us at our free live webinar this Thursday at noon. Sign up at K two vision RLE .com. It's five forty four radio. We are your home for breaking news and for traffic
Accelerate Your Business Growth
Master Customer-Centric Copywriting - burst 5
"But even you do it once a week, commit and create your content calendar as many weeks ahead of time as possible. I work in batches for my own personal brand. I do that every quarter. I have one day when I just create content for my email. And another really good workaround for this is to create an automation, especially for people who are just signing up to your email list, which leads me to the second big mistake. So many brands focused on getting the sign up, getting that email address. And then nothing really happens after that, which is kind of a missed opportunity because I think it's like the first 48 hours when somebody just join your email list. They are most likely to work with you. They are interested in what you have to say. And they're just kind of waiting to be guided. So having or not having a welcome sequence. That's another big mistake I see people making. Boy, that's OK. So talk to me about that. What would a welcoming sequence look like? OK, so you need to think about your buyer's journey, right? So I have a problem. Let's say I want to lose weight and I am interested in a solution that gives me what I want, which is probably losing weight fast, but in a healthy way. And I go to Google or I scroll Facebook and I see your ad or I see your page on Google and it's promising. And I go to your website and I learn, I read your blog posts. And then there is a pop up or an opt in opportunity which says, hey, do you want to learn how to lose seven pounds in 30 days? Sign up here to get all my healthy weight loss recipes. You're never going to be hungry again or something like that. So I get that. Right. And my curiosity and my problem is satisfied to some extent. But that doesn't mean I'm going to be ready to buy something from you immediately. And it also doesn't mean that I'm going to be a loyal fan because you haven't done really anything beyond just satisfying my initial problem, which was the curiosity. How do I lose weight in a healthy way and maybe not be hungry? So most people, they just deliver that lead magnet, that freebie, and that's kind of it. Nothing else happens. The welcome sequence continues the journey. And you can continue that journey without being salesy, but by being customer centric. And there's plenty of strategies like what you should write in each email. Some people have three emails, five emails, seven emails. These are all automated, so they're not sent manually. And you can send them day after day or one each two days. It kind of depends on how fast it takes for someone to convert from email subscriber to first time customer. But in the beginning, if you don't have that data, you can just test it and test it with the frequency you're comfortable with. And that welcome sequence is like, hey, hi, so I see you. You've just signed up for this list of recipes, which is amazing. Congratulations on your commitment to finally get closer to your goal. But here's the thing. We've had one million people who got that PDF. And unfortunately, only a small percentage of them are actually using it, which is why over the next few days, we're going to share a few tips and we're going to walk you through some success stories for some of the people who have lost weight using our method. Make sure to open your next email. We're going to tell you more about tomorrow. And you can share valuable content like here are our most popular three videos that talk about this. Go watch them now. Another one could be like, tell me more about you. So what do you do? That's for segmentation and collecting customer information. Another email could be sharing success stories like here's what other people are doing right now. I know you've just signed up for this and you've maybe maybe you've already cooked one of those recipes.
News, Traffic and Weather
Fresh "30 Day" from News, Traffic and Weather
"We check sports at 10 and 40 past each hour here at Northwest News news radio and Bill Swartz reporting the Mariners hot stove trade leads off baseball's winter meetings. Seattle and Atlanta are swapping five players. The Mariners ship inconsistent outfielder Jared Kelnick, veteran lefty Marco Gonzalez and often hurt first baseman Evan White to the Braves. The M's get two relatively unknown young pitchers Cole Phillips and Jackson cower in return and they also jettisoned 20 million dollars dollars in salary for next season. At the winter meetings in Nashville, Mariners manager Scott Service says payroll doesn't always mean winning records. Two other teams talking about the Astros and the Rangers and what they've done. Certainly the payrolls are higher than us, but it's end of the day when you line up and play, nobody checks the paycheck. We just got to figure out a way to beat him. college football's 30 -day transfer portal is open. A ton of players are looking to move schools including Washington State quarterback Cam Ward. Washington plays Texas in the Sugar Bowl, one of the national championship semi -finals and Huskies quarterback Michael Penix Jr. has been named a finalist for the Heisman Trophy. The honor for College football's most outstanding player revealed this Saturday night. Sports with Schwartz at 10 and 40 after the the hour Northwest News Radio. I'm Jeff Poggio, you're listening to Northwest News Radio, a popular YouTuber who crashed is his playing on purpose, heading to federal prison. It was 2021 when YouTuber Trevor Jacob up crashed his plane in the Santa Barbara mountains. He claimed the engine died and he was seen on video jumping out Parachuting down while his plane hit the ground. All of it caught on video. The prosecutor said that was it all staged for YouTube clicks and that Jacob removed the plane debris and destroyed it so investigators could not Not looking into it? On Monday, Jacob was given six months in federal prison for obstructing an investigation. Mike Stone Alex EBC news. It's time for a tech mobility minute. Who operates the largest partial delivery business in the United States? It's Amazon. That's That's right, Amazon. The giant e -commerce company delivered more packages to US homes last year than UPS. It surpassed FedEx back in 2020 and is set to widen the gap this year. By this Thanksgiving, Amazon had already delivered delivered more than 4 .8 billion packages in the United States. Internal projections estimate that it will deliver a total of 5 5 .9 billion packages by the end of this year. Just 10 years ago, Amazon was a major customer for UPS and FedEx, and industry executives has scoffed at this suggestion that Amazon could do it themselves. Ironically, the United United States Postal Service is still the biggest parcel service by volume as it handles hundreds of millions of packages and last -mile delivery for all three companies. This feed is even more impressive when you consider that the Amazon numbers only reflect the packages that the companies shipped from beginning to end. Oh wow, I'm Ken Chester. This has been a Tech Ability Minute. You know us. We're the heating and air conditioning company with a big colorful logo and the recognizable trucks you see all over Western Washington. You know us as the company that believes in the good we're doing and the impact home comfort has on your personal happiness. In its third generation, our family -owned business has improving been the lives of our customers every day since 1957. Call the experts in installation, service and
Revision Path
A highlight from Tj Hughes
"Let's face it, whether you're hiring or trying to find work today, the process has become tougher than ever. Between ghost listings, AI -powered applicant tracking systems, chat GPT written cover letters, wild employment scams, how do you know if your resume, your application, or your job posting is even being seen by an actual human? That's why we've relaunched our job board to help you find your next opportunity. And if you're a company that's hiring right now, we'll feature your listing on our job board for 30 days and help spread the word about it to our audience of listeners for just $99. Get started with us and expand your job search or your recruiting efforts today. Revisionpath .com forward slash jobs.
The Bill Simmons Podcast
A highlight from Cleveland Shocks Lamar, Dobbsanity Strikes Again, New York Bad QB History, and Belichicks Bleak Season With Cousin Sal
"Coming up, Sunday, football, the cuz, the pet suck, next. This episode of the Bill Simmons podcast is presented by Airbnb. Maybe you're traveling to see friends and family for the holidays. When you're away, your home could be an Airbnb, whether you could use a little extra money to cover some bills or for something a little more fun. Your home or spare room might be worth more than you think. Find out how much at Airbnb .com slash host. This episode is brought to you by CarMax. Patriots promised me they'd win the Super Bowl. That'd be pretty legendary. When CarMax offers an unrivaled 30 day money back guarantee up to 1500 miles. Well, that's legendary too. CarMax never wants you to settle on a car. They want you to love your next car. That's why every car from CarMax has upfront pricing and an unbeatable love it or return it. 30 day money back guarantee up to 1500 miles. Shop a nationwide inventory on your terms. That's car buying reimagined. Start shopping now. Find a car you'll love at CarMax .com. We're also brought to you by the Ringer Podcast Network. I have a new rewatch that's coming for you on Monday night. It is the second movie of, wait, how much did that movie make? Month. If you tell your friends about it, you have to raise your voice when you tell them what the theme is. This movie is from the eighties. That's your hint.
Cloud Security Podcast by Google
A highlight from EP148 Decoding SaaS Security: Demystifying Breaches, Vulnerabilities, and Vendor Responsibilities
"Welcome to the Cloud Security Podcast by Google. Thanks for joining us today. Your hosts here are myself, Timothy Peacock, the Senior Product Manager for Threat Detection here at Google Cloud, and Anton Chuvakin, a reformed analyst and senior staff in Google Cloud's Office of the CISO. You can find and subscribe to this podcast wherever you get your podcast, as well as at our website, cloud .google .com slash podcasts. If you enjoy our content and want it delivered to you piping hot every Monday, please do hit that subscribe button. You can follow the show, argue with us on the rest of the Cloud Security Podcast listeners on our LinkedIn page. Today is a special episode because it was originally live streamed. If you'd like to follow our live streams in the future, do follow the page. You can get the video content on our YouTube channel as well. Anton, we are talking about. Caspi 2023? in No, we are really not. We're not, we're not. What are we talking about? We are not. We are talking about securing SaaS. That sounds like Caspi. And I was deluded by claiming that securing SaaS is really just Caspi. And suddenly I think you are trying to troll me a little bit and flip the positions and pretend that you believe that securing SaaS is all about Caspi. You would never do that. Me? Troll you? Never. I would never do that. No, no, no. Okay. No, no, no. But it is a securing SaaS episode. And it is. And I think that there's a whole universe of things. And the strange part, there would be like a one particular surreal bit today. Most people who use software service assume that securing SaaS is about configuring security. Yes. And at the same time, most people correctly point out that the chance of a SaaS vendor being breached in some particularly nasty manner is really not high for the top tier vendors and that it can be handled through paper security contracts, questionnaires. And is that the truth? Is this not a year where we've seen counter examples of that though? I think that's the year where we've seen counter examples to put it mildly. Yes. Yes. Yes. Okay. Well, maybe with that teaser listeners, let's turn things over to today's guest. All right, listeners. Welcome to another live stream of the Cloud Security Podcast by Google. Thank you for joining us today. Our guest today, Adrian Sanabria, Director of Valence Threat Labs. Adrian, thank you so much for joining us today. Delighted to have you here. You are, of course, somebody who has also cool Legos in their background. So already you're doing great on the show. I want to start us off by centering us on SaaS. Spent a lot of time on the Cloud Security Podcast talking about cloud security for Azure and AWS and some other smaller cloud. I think that's called GCP, but there's this whole other world of cloud services that is SaaS and where users access an app like Salesforce or Workspace or O365, depending on what kind of credential they've stolen that day. So how do we think about securing SaaS as opposed to securing, say, the three infrastructure clouds? Well, it's a blurry line, right? Like how do you access those infrastructure clouds? That's also SaaS. It is, yeah. If you're using console .aws .com or whatever the GCP equivalent is or Azure equivalent. So, yeah, it's really interesting because it is kind of a blurry line. And we do find ourselves somewhat overlapping with infrastructure protection and stuff like that. Okta was a big supported platform. Also, the SaaS interfaces of security tools like CrowdStrike. We support SentinelOne and CrowdStrike as SaaS consoles that we secure because that's how everything works today is through a web browser, through an interface in a web browser, through some kind of SaaS interface. But wasn't it not like that in the past? Because you're a former analyst as well, right? And I do recall my former analyst years when there was this whole secure SaaS, you know, buy CASB, do the classic SaaS stuff. And there was on the left people who lived and shifted VMs and treated IaaS as kind of a colo, sadly. You know, we may rant about it, but it happened. But it sounds like the two worlds were further apart in the past. Yeah. Am I hallucinating it? No. Or is there something to that? No. And I think where it changed is behind the scenes quite a bit. A lot of it's we went from these monolithic web apps to API first dumb interfaces, which maybe have a little bit of JavaScript now, but there's a lot less heavy lifting by the JavaScript and a lot more done behind the scenes through the API. It used to be you'd run a search somewhere and it would pull the entire dataset, like the actual query in your browser tab and just use a ton of memory to do that. Now that that happens behind the scenes so that it's a much lighter lift, much quicker on the front end. Also, all these applications integrate now. Like before the pandemic, Zoom was just a dumb meetings app. Now it's this whole platform overnight, almost it seemed it had hundreds and hundreds of integrations. And a lot of these integrations work like if you had some kind of an inline tool like a SASE or a CASB or something like that, that's depending on looking at inline traffic, you're not going to see this because it's SaaS vendor to SaaS vendor where these actions are taking place, whether they be scheduled. But is it a customer problem? If it's a SaaS vendor to SaaS vendor, sometimes customers don't even see that stuff going on. So that sounds tricky. It is. I mean, shared responsibility, just like the public clouds. Right. And sometimes it's not clear where that line is, where that shared responsibility begins and ends. You know, like, for example, turning on logs, like I remember running an investigation years and years ago, they were using Office 365 and it was a case where somebody had gotten access to their email and we got in, we started investigating and it was clear they were on the inside because they were able to send convincing looking emails as other employees trying to change the bank accounts for large seven digit commercial real estate payments. And none of the logs were on by default. Like, we had no way of knowing when they got into the system, how long they had been in there, the extent of what they had access to. So during the investigation, we were the first one to turn on email logging. But that's sort of like so, okay, should I say so 90s? Well, none of this stuff existed in the 90s. So it's almost like it's just so sad 90s mistakes. Our job is just Groundhog Day, Anton. It's just Groundhog Day every day. But it's a Groundhog as a service. Yeah. Okay, fine. It's just supposed to be more funny than it helped. The Groundhog has moved. We still see 90s problems so often. Like, how often do we see some new fancy DevSecOps tool where there's a port exposed or default credentials or something like that? Like, we see these same issues popping up again and again because a lot of the people engineering this stuff are a new generation that didn't live through those times. And maybe we elder security folk didn't do a good job of passing down our lessons learned. Oh, that's for sure we didn't. I think you're supposed to invite Adrian because he's such a positive person and he would like shine the beautiful blue light. And now I'm more depressed than normal. So probably we should switch topics. How about incidents in the cloud? Oh, wait. Yeah, that's different, too. So what do we know from the actual breakage? I saw somebody post on LinkedIn the other day. Do we need CVEs for like cloud and SaaS? And didn't make a whole lot of sense to me because to me, a CVE is something you have to fix in your environment, like it's fixed once by the vendor, fixed many by the customer, whereas SaaS and cloud infrastructure is the opposite. The stuff we constantly see, like now it's these research teams working for vendors, for CSPM, SSPM vendors, they're out trying to find vulnerabilities and issues in these services. But once the vendor fixes it, it's fixed for all customers all at once. Right. So it doesn't make sense to assign that a CVE, right? I think that might be a limited view on what a CVE is for. No, no, I'm with Adrian. No, no, no. Hear me out. Hear me out. Wait. Okay, go. Okay. So sure, a CVE is definitely a statement that, hey, I have to go install some patches, but it's also a signal that something was vulnerable and I was at risk for a period of time from disclosure to patch. A CVE in the cloud or a CVE in a SaaS could reasonably serve the purpose of I need to investigate whether that was used against me while it was vulnerable and unpatched. And without a mechanism like CVE, how do I as a user know that my cloud provider or my SaaS provider might have lost my shit? I'm not arguing there shouldn't be a mechanism. There does need to be a mechanism, but I think it's confusing to lump it in with CVEs. I think it needs to be a separate database, a separate acronym. Yeah. And the most evident client facing, the client face inside is probably a misconfiguration. So it also wanted the CVE type. It is the defunct CCE or whatever they tried back in the day. In theory should have helped, but ultimately misconfigured SaaS would get you. And that's something you need to fix. Yeah. And just like with traditional vulnerabilities, we do need to understand the type. Like a lot of these issues we see in the cloud, you know, it's unclear if the researchers were the first ones to find it. And some of them are cross -tenant vulnerabilities. Like I remember one where if you knew the disk ID of a disk image in Microsoft in Azure, you could mount it. There were no access controllers. That's the early days. That's very early days. That's like 2013, maybe 14, right? No, it was like two years ago. Yeah. What year is this? It's 2023. Last time I checked. Thank you. Holy cow. We talked about it on Enterprise Security Weekly, and I've only been running that podcast for two years. So it was in the last two years. That's wild. Wild. Yeah, it was wild. Wow. Yeah. And you can imagine people taking screenshots that would show that ID or uploading things to GitHub where they would still have the, like, I wouldn't think to treat that image ID as a secret, right? Of course not. Why would you? You would think there's access control on it. Yeah. So again, shared responsibility, a very blurry line here with SaaS and cloud. And so we rely on a lot of researchers to say, hey, did they, did they build it? Like, surely not, you know, but you got to go and test it. This is why I think CVEs and cloud are important. How else would you as a, and again, it could be some other mechanism. Sure. Right. But I think structured vulnerability disclosure is important because if I'm a buyer and I want to decide, oh, man, is that system trustworthy? Does that system have these kinds of things? How else am I going to figure that out? Other than a database of the history of stuff we've discovered about it, maybe listening to podcasts. Yeah. And there are some now. There is a cloud vulnerability database. I forget what it's called. Yeah, it's launched by one of the cloud security, what we call a third party vendor, I think. Yes. There are actually two or three attempts at the cloud vulnerability database as a service protocol. We'll add them to resources. Yeah, that's great. OK, so I want to shift gears a little bit away from the again. We got back to Azure for a little bit. Tell me about the recent O365 SaaS breach. What's that? Is that a breach? Is that a cloud breach? Is that something else? Where does that land? Well, first of all, they rebranded. You got to keep up with the rebranding. If I try to keep up with Microsoft rebranding, I will. There's no more Office. What is it? Microsoft 365, M365. M365? And everything's defender, except for the things that are not defender. OK, fine, whatever. The email service in the cloud that's not workspace, that got breached. Was that a cloud breach? So there were several in the last couple of months. Are we talking about the AI data leak one or are we talking about the one where a bunch of government agencies broke into their emails? That one? Yeah, the storm. The 26 agencies that got popped because of bad token health and bad access key signing security. Yeah. So that was an interesting one because we don't know how it happened. We know that a Microsoft engineer lost access to this key at some point, but they're either not sure or they're not telling how that engineer got compromised. If you look at the wording, they don't even necessarily connect the engineer getting compromised to the rest of the attack. So it could be a red herring. I'm not sure. Maybe I'm reading into it too much, but there's going to be a government investigation into that. So there's a subsidiary of CISA that just does these investigations. And I predict in about 12 months, we'll have a much more detailed report telling us what happened there. But certainly access tokens played a role. Wait, is this one of the first real big NTSB cyber investigations we're going to see? No, I think the first one. What was the first one? Log4j. Yeah, Log4j was the first one. Yeah. So but wait a second. I'm getting this surreal vibe from all of that. So back when I was an analyst, I'm not going to joke about back when I was younger because it wasn't that far into the past. When dinosaurs roamed the earth and Anton was an analyst. Yeah. When the gas cloud, I kind of think gas cloud first, not before dinosaurs. Many people sort of assume that the infrastructure and a bunch of other stuff is taken care of by a SAS security vendor. And then the other Gartner wisdom, about 99 percent of cloud breaches being customer fault applies. So it's almost like my mind wants to naturally go back to the world where SAS providers, at least the top tier ones, are pretty secure, pretty well done. But customers kind of screw up configurations and then they cause issues. But we are seemingly in the world where SAS providers screw up and not the client. So like bring me back to the familiar, because now I'm getting even more nervous and I want to like unplug my computer from an Internet or something. The SAS vendors, you know, it doesn't grow your SAS revenue to build in the security or more security than your competitor. You want to reduce friction. You want to increase adoption. You want to increase spend. And none of that is done by making people jump through extra hoops when they authenticate, making them do step up authentication, making them spend a bunch of time checking their configuration, making sure the configuration is correct. So there is some pressure for the SAS vendor to pick a configuration, get it right. And typically they don't. That's not the top priority. So the customer bears the brunt of that. So a great example of that is how we handle external data sharing today. So by default, overwhelmingly, at least from my research, the number one use case for data sharing is I'm about to jump into a meeting. I've got a file I need to share with somebody. We're going to discuss this file during the meeting. We shared a file to prep for this podcast, right? Like the very common use case. But what's the expiration on that? Why isn't there an expiration on that data sharing? In many cases, that data share no longer needs to exist the moment that meeting ends, right? Sometimes it's a little bit longer. Maybe you're working with a contractor, maybe it's three months out, but there's no lifecycle. There's no full governance on that data share. And the same thing with integrations, the same thing with a lot of identities in SAS, very optimized for getting you in the application, creating the integration, creating the data share, but little to no focus on cleaning it up afterwards. So you end up with this big mess. And we find on average, here's a stat we got from our customers. Ninety one percent of data shares have not been touched in 90 days and can just be closed. This certainly rhymes with kind of the material security thesis of let's lock down all your old email and make you put in a different password to get access to it. So I totally buy that this is how information works in our presence. But what we're finding is like CISOs will say, well, nobody's touched it in 90 days. What's the worst case? They have to reshare a file like just remove all that, just clean it all up, just sweep it all away. Attack surface gone. Well, I think Googlers who are coping with our changes in access control might take issue with what's the worst that happens. They have to wait for a reshare. But I can see how a lot of reasonable people would come to that conclusion. Yes. And it also sort of reminds us, by the way, it also this whole ghost of IAM barges into our conversation and roars. Sorry, I'm mixing ghosts and dinosaurs, but the point is that ultimately these are permission problems and I'd watch that movie. Yeah, it's not about bad SaaS vendor or bad customer. It's about over permissioning and not having the right IAM culture or access management culture, whatnot. So it's back to almost every cloud problem has an IAM problem behind it somewhere. Right. And a lot of it is just simply UX. Yeah. Huh. When I go to share a file, where's the option to share it for a day? Why isn't share it for 24 hours the default option? Why don't I have an option to share it for seven days, share it for a month? That's a profound thought. Expire after my calendar with this share, tie this share to a calendar event and expire an hour after it. Did we just give somebody a cool startup idea to build that and get rich? That's a feature, not a company. Right. That's what analysts say. Yeah. Yeah. Yeah. Fair point. So privacy engineering is already focused on this when just managing the performance of your mobile devices, your iPad will unload and shove over to iCloud your mobile app data to save space if you run out of space, rather than just saying you can't install this new app because you're out of space. Or if you haven't used an app for four weeks, five weeks or something like that, your Android might say, hey, it doesn't look like you're using these apps. Would you like to clean them up? So this idea of cleaning up unused stuff isn't even so much for security implications or privacy implications. It's just for performance on mobile devices. And I think that maps over pretty well to enterprise SaaS and cloud as well. Like Google. Google will do that. The first time I used GCP to run a workload, it told me you over provision this. You're not using nearly as many resources. You saw I am recommend you could save some money by choosing a smaller instance. I was like, that's the only cloud that's ever told me, hey, you're spending too much. We're not paying him to say this, right? Tim, just to confirm this is very organic. Very organic. But he's also not paying us to mention the balance, right? Like it's all kind of very fair. Yeah. Balance is up. Or he didn't pay us to mention his podcast either. Oh, that's right. Yes, exactly. It's all kosher here. I want to shift back onto the SaaS world and maybe ask if I'm a director and I'm bringing out a new SaaS vendor, what are the things I'm least likely to understand about securing it when I first start using it? And what should I do different? I think number one is understanding how the business is planning to use it. But I think there's an assumption in what you just said there that might not even be true. Maybe it's already been in use for three months when the IT team finds out that it exists or three years or something like that, right? Like sometimes SaaS is owned completely outside of IT and security IT are unaware of it. Who are the Salesforce admins? In many cases, they don't even work for the company. You hire like a third party group of Salesforce experts to set up your Salesforce and run it for you. First of all, you need to understand how the business is going to use it to understand how it needs to be secured. Because Salesforce, just rolling with that example, I think there's well over 200 different configuration options. And then you could extrapolate that to more if you take in all the options within options. So the least understood aspect here is that ultimately, when you say, hey, let's secure SaaS because you're onboarded it, you may then realize it was onboarded three years ago. It shouldn't be not understood in 2023, because again, I vaguely recall this whole people whipping up a credit card and buying SaaS going back maybe 10 years ago, maybe more. So it's a little strange how we are misunderstanding it for 10 years. It's more that it's been deferred, I think, by most security teams than that it's not well understood. Well, and it's not well understood because it's been deferred for so long. You'll have teams say, well, let's figure out patching first before we moved on. I was talking to an old friend of mine and he was telling me the other day he had to teach the Linux admins how to turn on patching in Red Hat. There was no repo enabled for updating software. What century is that? Yeah, I know. I shouldn't even say what year is this? Like, what century is that? Yeah, Red Hat Enterprise and no enabled repos, no way to apt update or apt upgrade anything. So that's where we're living where SaaS seems like, okay, like that's something I'll tackle in the future. But the problem is, most of our business stuff has moved there already. Workloads moved in two directions. The custom in -house stuff moved to cloud and then everything else moved to SaaS. And you have to have a really good justification to not use SaaS. Like, let's stand up this internal HR platform or are we going to use Workday or Bamboo HR, something like that. You're going to go the SaaS route. So if you're structured to top three misunderstood aspects of SaaS security, I guess maybe I'm going to reserve the number three for CASB just does it. So what are the other two? One of them is that they're all unique. There's no standards for SaaS configuration. Like in one SaaS, maybe all the security options you want are there. In another one, half of them are there. And in another one, you have to pay extra for the security features. Yes, exactly. You just had to make it even more depressing, Tim. Sorry. Yeah, my bad. So one of them is just the uniqueness of each one. Each one is a snowflake, pardon the pun, and you have to learn each one from scratch. On some platforms, for example, MFA is the one step process. You just enable MFA for an identity. And in another, you have to both enable and enforce it. And if you forget that second step, then you haven't actually done MFA correctly. What? Yeah, it's also Microsoft. Sure. I can see that. Maybe MFA is something you enable and then users have to configure it if they want it, or you can enforce it. I get it. I understand some poor PM who couldn't migrate all his users or her users or their users. That sounds awful. And it leaves us with this kind of situation. And there's different layers of enforcement. When I log into a lot of services, I get an option that says, don't make me MFA again for 30 days, or maybe ever. Once I do it once on this device, just give me an OAuth key that lasts indefinitely. And that's where we see cybercrime taking advantage of that. And there's a special kind of malware called info stealers that do nothing but sweep up all your SAS OAuth keys and sell them on a black market or use them to get into a company and deploy ransomware. So wait a second. I feel like we haven't talked about CASB enough. And the reason why we did an episode on podcast on SAS security and which we'll link in the resources. But the thing is that I was very skeptical. And again, maybe it's my old garden of brain or something. I was like, yeah, why are we talking about this new platform for securing SAS? CASB does it. And then, of course, now we have SSPM. So we have the CASB bucket. We have SSPM bucket. SAS security posture management. People, our audience have been beating on us a little bit for not explaining all the acronyms. CASB, I'm not going to explain. Acronym is kind of too embarrassing. Cloud access security broker. Tim Wood. Fine. That counts. But I'm not sure that explains it. It's meant to be software that helps you use cloud stuff securely. But it's the only security acronym with a B. So that's already kind of a little disturbing. Yes. Broker is a weird word to have in an acronym. Yeah. I mean, I think broker ended up in there because a broker helps you use other stuff. Right? It kind of makes sense. Anyway, go on, Anton. Sorry. So the question is, Adrian kind of quietly implying that maybe there's another category of SAS security tech that we need to have. So how does it all fit with securing SAS? Do you have CASB, SSPM, or other? Early on, long before I joined Valence, I referred to the new SAS security companies as CASB v2. And I largely saw CASB as a failure in what it tried to do. It pivoted a lot during its very quick and hot burn that it went through before they all exited. Isn't this too harsh? This is harsh. CASB as a failure is too harsh. I'm sorry. I'm not offended, but I'm like surprised. So I don't think we've yet seen us live alongside of CASB, but we do replace them. And we see this all the time in security. We see a category that's largely defined by one or two vendors, and then all the other vendors follow that model. And it's the wrong model. It's not a model that has market fit, that lands with customers. And then we see the next generation come in and try a different approach. You know, NT malware didn't take the wrong approach initially, but the adversaries switched. And if you didn't pivot quickly enough to the next gen approaches, when we got CrowdStrike and Silence and all that, you were kind of dead in the water. And we saw a lot of companies directly impacted by not moving quickly enough. And so CASB, I think they did start to pivot towards more API models than forward and reverse proxy. They were very excited. And I was very excited about the idea that I can adopt SAS, but not this feature. And I can add this feature, but the idea that they're taking away JavaScript and injecting JavaScript on the fly, I can do step up authentication where it doesn't exist. The SAS vendor doesn't give me that. Like I want to change somebody's payroll or change where it direct deposits. Maybe I want my CASB to require step up authentication for that. And you could do that with a CASB. Or I want to use Yammer, but I want them to use Slack for chat or Teams for chat. I don't want them to use the built in chat within Yammer. So you take away the chat box using an inline CASB. And just turns out, even if they said they wanted that, nobody took the time to set it up. So most of the customers I talked to, the use cases they would get around to that they would have time for were much more basic, much more simple. And I think the other thing that kind of killed it is the CASBs were very focused on shadow IT and discovering as much as possible, which became very overwhelming. We just talked about how each of these SAS needed though, right? Well, but it created a problem. We just talked about how every SAS is a unique snowflake and you have to study and understand each one to be able to configure it correctly. So now I just told you, you have a thousand. I discovered your entire long tail of SAS use within your organization. Where do you start? Whereas now you look at this current gen of SAS security companies like ours, it's very much more focused on Microsoft 365, your Google workspace. There's a lot of work to do there already. And it's much more of a hygiene governance focus than discover all your shadow IT and lock it down. So much more business enablement, much more like, hey, we're going to let the business continue using the SAS, but we're going to give you the visibility you need to go in there and without disturbing them, without killing productivity, going in there and fixing things up as you go, rather than come in as blockers. Well, Adrian, this has been a fascinating and wide ranging conversation. We are unfortunately at the time where I have to ask our closing questions. One, do you have a tip to help people improve their SAS security? And two, do you have some recommended reading for our listeners? Yeah, so the tip, I would say integrate identities as much as you can. Don't let people use the native stuff. Then you don't have to worry about a lot of the built in SAS settings like MFA and stuff like that. If you push everybody to Okta or push everybody to Google or Microsoft, you can rely on the configuration you've already done there and get the benefit of scale from that. So take advantage of single sign on and integrations like that, that take some of that work off your hands. What was the second question? Recommended reading. Well, so recommended reading, we do have a report that goes through a lot of the stuff that we're talking about. It's got examples of breaches. So if you look for the 2023 Valence State of SAS Security report, it has examples of breaches to go along with. A lot of the stuff that we've talked about goes through the different use cases that we see in SAS security. We kind of break it down into the different components, misconfigurations. We talked about identities. We talked about external data sharing and also integrations, those SAS to SAS integrations that you wouldn't see in line and then has all the data that we pulled. I got to play with the data that we actually got from our customers. And I mentioned that 91 % stat. There's a whole bunch of interesting stats in there that are in that report. And then we give recommendations and predictions. And one of my predictions was that AILM will lead to an explosion of new SAS. So there'll be more than ever to deal with. Got it. Adrian, thank you so much for joining us today. Listeners, thank you for joining us on the live stream. I see lots of fun comments. I want to thank everybody for the engagement. And Adrian, your fellow podcaster in the security space, Rafal Los, is calling you out on some of your comments about exits and the CASB space. Well, he has a podcast too. So you know what to do, Raf. Raf knows what to do. We'll all get together and argue about CASB. It'll be great. God, I was going to say that'll be a great time. I don't know about that. All right. Thanks, folks. Depends on your perspective. Yeah, sure does. With that, thank you all for joining us today. Well, thank you very much. I appreciate it. And now we are at time. Thank you very much for listening and, of course, for subscribing. You can find this podcast at Google Podcasts, Apple Podcasts, Spotify, or wherever else you get your podcasts. Also, you can find us at our website, cloud .withgoogle .com slash cloud security slash podcast. Please subscribe so that you don't miss episodes. You can follow us on Twitter, twitter .com slash cloudsecpodcast. Your hosts are also on Twitter at Anton underscore Chiwaki and underscore Tim Pico. Tweet at us, email us, argue with us. And if you like or hate what we hear, we can invite you to the next episode. See you on the next Cloud Security Podcast episode. Bye.
Telecom Reseller
A highlight from Feet on the street: we will sell with you, not just to you, says Snoms Marc Magliano, Special Podcast
"This is Doug Green, and I'm the publisher of TR Publications, and I'm very pleased to have with us again Mark Magliano of Snome. Mark, thank you for joining me today. Hey Doug, thank you for having me. Glad to be back. So you know, this is going to be a Mark podcast. We're going to be talking about your background a little bit, how you signed up with Snome. You know, now what your vision for Snome is, what you see coming forward, especially for enterprises that are thinking about, hey, what type of product should I be buying now for the future, and especially for our service provider, our MSP community channels, thinking hey, you know, how should I jazz up my portfolio? What type of products really should I be offering people that really take me into the future? So Mark, tell me a little bit about yourself. How did you end up at Snome? Wow, this is, do we have enough time on this podcast? I'll tell you, I'll start by sharing with you, boy, I've been at this a long time. I cut my teeth in the industry about 30 years ago, a little over 30 years ago, and I was working for this little known company, small distributor called TechData down here in Florida. And I was in the retail and VAR space before that building and fixing computers and then selling computers on the weekend. But Doug, let me tell you, the second I got a feel for and a taste for distribution, true broad line distribution like that, I fell in love. I started to learn and get to understand the relationship of a manufacturer with their distributor and then the different types of partners, resale, excuse me, resellers, whether it's the retail market or the VAR market or corporate resellers, the DMRs, as we used to call them way back when. And I felt, I just absolutely fell in love, loved everything I did, I loved the atmosphere, I loved learning about how product went through the channel and ended up getting out to the consumer. So, to make a long story shorter, I spent the next few years really honing my craft at TechData, left and went to a series of manufacturers where I really started to focus on the building or rebuilding of channel and channel teams. So, the most relevant and all of this discussion would be my tenure during Grandstream. A few years back, I was brought on to build out or help rebuild their overall channel and I was part of a tremendous growth cycle that Grandstream went through, spent almost four years there. And during my time there, I had the pleasure of bringing on a coworker. His name is Antoine Karachacki and I think you've had an opportunity to give him a handful of times. Antoine, when he left Grandstream, went to Snow. I got a call about a year ago now and he said, Mark, we're going to be going through some changes. I worked very closely with the executive team in Hong Kong. And if you're available, we'd love to have a conversation with you. And the rest is history. So, here you are. Let's go from history to the future. What's your vision for Snow? Oh, great question. I'll take my head out of the clouds for a second because I view Snow and our opportunity as really the sky's the limit. You know, we can do so much with this product and with this company. I can't even begin to get into the details, but I can share this with you. One of the things that I need to do when I first came on board, obviously, is learn the ins and outs of the company, understand what makes the channel tick, understand really what buttons to push and levers to pull. And after about 30 days of doing my due diligence to really dig into what makes the channel tick or I should say made the channel tick, I realized that we need to come up with a new distribution strategy. And that's the first thing I focused on, Doug. I focused on the distribution piece of the business. After all, it's one of the pieces that I know the best. I took my experience in the distribution piece and doubled down on it. I reached out to all the executives in leadership members of leadership teams within these distributors in our space who I have direct relationships with and had very honest and open conversations about their challenges in the marketplace and how and if Snome could fill those gaps. And I found out real quickly that there was a tremendous opportunity for someone to come in and make an immediate impact. So, you know, we were talking just before we started our podcast today, you said you're getting a lot of excitement from the channel and from your service provider, from your whole community. And it's not just about a product or a family of products. It's like across the board. It is, it is. So there's a lot of excitement about me joining Snome and within the distribution community first. When I started to share that vision with those leaders in distribution, it really resonated and they understood what we were going to do and how we were going to do it. And I'll share some of that with you and our audience. What our main focus is, was and it still is, strengthen those relationships with the distributors and distributors love that, right? They want to get closer to their manufacturers. The sales reps want to get closer to their manufacturers. The closer they are, the better they can work with the partner, usually leads to more margin for them and less mistakes, right? Everyone wants to have those close relationships. Well, after the distribution piece, I shared with the entire community that we want to focus on the MSPs and the SPs next, not just recruiting and enabling them, but selling, having a sell with mentality where we go in there hand in hand with the distributors and sell the Snome solutions. So instead of a traditional sell to which our competitors have, we're going with the sell with super excited, like, wow, you're willing to do that? You're willing to go in there and dedicate resources to sell with us to these solution providers? Absolutely. That's what we want to do. So we're in the very, probably I would say, I was going to say the early stages, but we're probably in the middle stages, Doug, right now of finalizing that strategy. I've hired the team. Actually, I have one last key hire to bring on, but we'll have feet on the street to help drive resellers to our distributors. And we have feet on the street to enable our distributors. So very much that push pull ecosystem that you want for a healthy channel. That's what's got the the overall Snome channel super excited and energized about working with us again. And then when you combine the fact that we've brought on industry leaders like Andy Abramson and a dedicated channel marketing manager that reports directly up through our organization, everything is under one umbrella and we can make things happen. So, again, in a nutshell, that's what's driven the excitement and that's what's going to drive our growth for years to come. You know, I note in what you just said, the strong emphasis on people. Yeah, absolutely. Absolutely. Relationships, you know, it's interesting. I've gone back and forth over the years. I don't know if you're familiar with the book, was it The Challenger Sale? Have you heard of that book? I think I have. So, yeah, there's a very popular book out there that talks about different sales techniques and it actually de -emphasizes the relationship. It says the relationship selling is probably, I'm sorry, not probably, relationship selling is the least effective way of selling in the channel, which has contradicted everything that I've learned and taught for the past 30 years. Well, while that may be true to some extent, you still have to have these relationships. Everything is relationship driven nowadays. As a matter of fact, the relationship, my relationship got me the job. My personal relationships with these distributors opened up more doors for us. And it's my relationships with the MSP solution providers and our overall team's relationships with these partners that have gained the trust of the community to allow us to do everything that we're doing to bring new products, new technologies. We talked a little bit about our deck solution earlier, our M500 solution. When you get that trust from your channel based on those relationships, again, the sky is the limit. And that's another, I'm not going to say secret to our success, but that's definitely a path that we're heading down. It's really doubling down on those relationships. So we have people and then it also seems there's places. You mentioned three or four different verticals where you're seeing growth. Yeah, we're seeing growth all over the board. But as far as vertical markets go, I'll touch on a couple of things. Part of our strategy for next year, our next fiscal year, which starts in April, is to become verticalized as well. So it's very relevant. We are going to have dedicated resources and probably new products on our roadmap to handle some of these vertical markets. But we're seeing a tremendous interest, especially when we started talking about our deck systems in retail, whether it's the restaurant business, automotive has been significant for us. We've done very well and continue to do very well in hospitality. We actually have a whole separate division dedicated to hospitality and we're seeing growth in the hospital and nursing home facilities right now. Just absolutely exploding. So, again, very exciting times for us. And, you know, as we close up our podcast today, any ideas for growth, anything you'd like to say to the MSP community, the service provider community about how to get engaged better for 2024? Well, from my perspective, I'll turn this into a little bit of a soapbox for me, for Snom. I believe that there is a lot of room right now for someone like Snom to step up and partner with the MSPSP space. And what I mean by partner is really, truly provide services that other manufacturers aren't providing. And I'll touch on those real quick. The existing Snom ecosystem is well aware of some of these key differences, but the vast majority of the marketplace is not. And that's the fact that we've got a three year manufacturer's warranty. So we've had this warranty, Doug, since day one. We're going back into the 90s when we delivered the first sip phone, right? We talked about that earlier as well. Three year warranty. Now, not only is it a three year warranty, but it's an advanced exchange. You don't have to call your reseller. You don't have to call your distributor. You go online, you fill out the actual ticket itself. You get a ticket number and within 72 hours, you as the end user or the reseller or partner could do this on behalf or receive the product as an advanced exchange. So just for the service providers to cut out that middleman to deal directly with the manufacturer is a game changer. No one else has that. So combine that with the fact that we have dedicated resources for sales and service here stateside, both the US and in Canada, all of our support is done here locally. So, Doug, when you combine all of those services with the fact that our parent company, VTech, is an actual manufacturer, we can be much, much more nimble than our competition, especially when you start talking about working with the service providers, right, having that single throat to choke. We're the only ones you come to us, you come to Snom Direct, we can handle everything from your distribution pieces, your manufacturing, your marketing, everything gets done centrally with us. And it's just incredible value proposition for the service providers that are out Mark, there. I want to thank you for joining us today. This has been very interesting. I want to congratulate you on your appointment. And I want to wish you the very best of luck. And I'm already see that you're making tremendous progress and big strides with Snom. Where can we learn more about Snom? Where can we learn more about the Snom partner programs? Ah, you can go to and our audience can go to SnomAmericans .com. Now we are having, we're going to be releasing a new version of our website in a short time here, but still SnomAmericans .com. We can be reached through most of the social media outlets. LinkedIn is fantastic. I can be reached directly or anybody on our team can be reached directly. And you'll have links in there for the Snom partner program, which again, that's also going through an overhaul. We're super excited about new components. And you know what, that may be a great topic for one of our next podcasts. Let's talk about the new Snom partner program and some of the components of it and how, how that's going to be very different in the game changer in the industry as well. All right. We're queuing up for the next one and there's going to be a bunch of these everybody. We're going to be doing a lot of work with Snom, but for now I want to really thank Mark for joining us today. And I'll look forward to that, that, that next podcast. This sounds like a plan. Thanks, Doug.
Trust Me
It's the Perfect Time to Level Up With Radical Self-Compassion
"I was all set to talk about this on the podcast yesterday, but couldn't, because I just couldn't get through the emotions. But I tried on a few pair of jeans over the last couple of weeks, and literally nothing fits. And so for me, that was planting a seed of really negatively looking at myself and my body. It followed through to what I ate. I've definitely this past weekend started some old habits of restrictive eating. Thankfully, I have the tools to connect on that and talk about it, and again, apply this radical self -care, but I'm no different than any of you. I literally needed to stop the bleeding and trace it back to what happened. Jeans didn't fit you. I let that seed get planted. Restricted eating all weekend. Let that seed get nourished. All of that negativity, I started to really pour into that seed that never had a place in my garden, never had a place in my soil. And this is so critical, you guys, because if I would have just thrown that seed out and talked to myself with some realization as I was trying on these jeans, legit, one of the jeans that I tried on were Juniors. And I didn't realize that when I bought it, but it threw me into a tailspin, because here I am thinking that I'm doing all this great workout, I'm doing all these great things, I'm contributing, I'm writing, I'm being creative, and yet jeans, fucking jeans, is what throws me off my path? That's ridiculous when I talk about it out loud. But it is reality. And so luckily yesterday, when Yanni and I sat down to record an episode, you know, I said, you take this one. I am not in the place to show up for a community day. And literally it was over these negative seeds that I had been planting from the week before. And it's just something that, again, is so small and so simple, but has this compounding effect in the negative that we don't want for anyone. And so when I talk about radical self -compassion, I'm talking more than self -care. I'm talking really giving yourself compassion. And speaking to yourself in a way that you would speak to any of your close friends. You should be speaking to yourself in the way that you would speak to your daughter. And I would never be caught dead telling my daughter that she needs to get smaller to fit in a damn pair of jeans. Because that is not right, and that is not the world that I want her to live in. And it is not the world that we will live in. And so I'm holding myself accountable on that and giving myself compassion. And as I continued to make mistakes, because it's just been a crazy wacky week, I will continue to talk out loud to myself and say, it is OK. You are human. Everybody makes mistakes. Mistakes sometimes are meant to be right. All of these things that happened to me literally brought me to the place that I needed to be, which is, if you can hear, on my walk right now. The leaves are crunching. I needed to be in nature. This was not on the plan either. This walk was not on the schedule. But this is where I needed to be right now with you walking it through. And so this is going to be something that I can tweak into the next 30 days to say, OK, where am I going next? Next is just tightening up a little bit, right? Like yesterday, I was talking to some co -workers and, you know, just level setting on the stresses that come with the end of the year. They're unavoidable. It's crazed. And things that we need to do to really get ourselves together is we need to detox a little bit. We need to put ourselves around the people that matter and care for us. Right. This is not the time to be stretching yourself above and beyond. This is the time to be doing radical self -care, radical self -compassion. The other humongous thing is the doom scroll, which I am fall victim to all of the time. It literally sucks up hours of my life. And so something I'm committing to over the next 40 plus days. This latter half of the year is to really detox from social media because I have a goal. My goal is to make this Christmas season one of the most wholesome and connected ones yet.
Tech Path Crypto
A highlight from Bitcoin ETF Frenzy | Bloomberg Intelligence INTERVIEW
"All right today we're going to dive into some ETF news but also some analysis from the experts really looking at the potential of what ETFs might mean for crypto in general but also of course Bitcoin. We'll dive in deep. My name is Paul Berra. Welcome back in to Tech Path. Joining me today is James Safert who is an ETF analyst over at Bloomberg Intelligence. Great to have you back James. Thanks for having me on Paul. Happy to be here. Excellent. Excellent. Last time we had you on early stages of a lot of the ETF activity. I won't let you off the hook about the ETH ETF though because we're going to ask you about that. The potential. But I want to go into first of all a little bit about what's been happening over the last 60 days. And most of this has been around the potential for BlackRock. And let's just kind of get that question out of the way. Obviously BlackRock I would say the number one at least institutional asset manager out there that's being looked at as possibly could be the leader. In your opinion you look at all the filings that have been made. What is going to happen when we do get these approved? If they all come at once do you feel like BlackRock just automatically wins the race here because they're BlackRock or do you think there would be some others that could really win some marketing points? Yeah. So the way that we look at the space is it's a winner take most world. It's not like there's going to be a winner take all type situation. You can't overlook the fact that Grayscale already has 20 billion in assets right now based on the current valuation. So they're also going to be a big player. So there's going to be anywhere we look in the ETF space there's usually one big leader who gets most of the assets, possibly most of the flows and the trading volume. But usually there's other aspects of what these issuers will find ways to differentiate themselves. So in gold ETFs some ETFs are going to be way cheaper than the most liquid ones. So that's grown. Some are going to store through their gold and Swiss vaults instead of the London vaults. So I suspect we'll see something similar on the Bitcoin side of things. You're going to have issuers that are going to focus on the fact that they've been dealing with advisors themselves and talking to them about what this space looks like and what it's going to look like and offer to be like we know this space very well. We're not just an asset manager. We're putting blockchain and crypto first. So people focus on that and then the people that will say like we're going to lend out the underlying Bitcoin and give you dividends or offer very, very near zero fees. Some will talk about like different custodians are going to possibly market on the custodians they're using. As we know, we've seen that has been an issue. So there's like a whole bunch of different ways, but it is likely to be winner take most in this world. And BlackRock obviously is likely to be the leader. But the idea that we have GBDC and Grayscale already existing with 20 billion assets is that's a huge thing to hurdle even if you're BlackRock. So based on you guys's analysis, if you look at the ETF services that could be offered because there's probably going to get some fairly creative services within these companies, what would you think would be one of the most critical things that a BlackRock or 21 shares or even a Fidelity could bring to the market to say, this is what we're going to do. We're going to come out and kind of hit with a splash and try to draw in these investors. I mean, the easiest, most simplest one is going to be fee, right? No matter what you do, no matter what your offerings are, if you're charging double the price of everyone else, you're going to have a hard time competing. Right. But also, you hinted at it. We think there's going to be a lot of marketing around here. BlackRock is likely going to market the hell out of this. You're going to see ARK in 21 shares. We've already seen VanEck start to market this type of stuff already. So we're going to see a lot of these players try to market and get to advisors. Directly to retail, they're going to be talking about why their products are better versus the others. But like I said, it tends to be a winner -take -most type world in the ETF space, particularly when you have just a single asset here, right? It's just giving exposure to this one thing. So people are going to differentiate on what they do as a firm and the products individually and who knows where it's going to go. But like I said, one of the things I did mention is in gold, there are some ETFs where if you have enough money, for the most part, you can't redeem the actual gold. But there are some ETFs that like, if you have $10 ,000, they'll deliver it right to your doorstep, things like that. So there might be a similar situation in crypto down the line and won't, not initially, but that might be a case down the line where like, if you have a certain amount, they'll send it to a private wallet. Right. Right. Okay. You mentioned something here about retail and because I look at this and this was in reference to an article, you know, Crypto Reshaping the American Dream for Younger Generations. This is a report by Coinbase. And within the Coinbase art or the Coinbase report, there were a few things that they pointed out to. One of course, was this millennial age group, 26 to 40. And a lot of this was around just crypto and blockchain as kind of the future of finance. Millennials really see this as a big opportunity. When you look at retail and you look at the current runway for a lot of these institutions today, do you feel that the target audience, because it seems like the millennial audience could be the new holy grail of the investment class, especially in reference to retail. Do you think owning that would possibly put someone out in front or do you think it's going to be kind of old school capital that could be leading the way at first? What are your thoughts on that? So specifically for the ETF, it's probably going to be more the advisor type of space that it's going to be looking at this. I mean, if you're a retail person, anyone, if you really wanted exposure to this, you could have downloaded Coinbase or Gemini or any app, FTX, you could buy at the click of a button. So one of the parallels we like to look at is like when gold ETFs came out, they democratized investing in gold. Yeah, you could always go down to like the corner street and buy like some gold coins, but that's very different from having it in a like professionalized portfolio. So that's more what the ETF is going to do. We don't think the one thing it will do for retail potentially is if you're a trader and you're like to trade these things in and out, the ETF is going to be way cheaper than a lot of these platforms. It's going to trade penny wide, there's going to be no commissions, which is not the case for most of these platforms. So the real people that are going to use these products if and when they get approved are really going to be institutions and advisors who maybe they have clients who have money in their own personal accounts on the some of those apps I mentioned, and it would just be way better if like we could control it. If an advisor, they know exactly how it is, they can basically sell when it gets too large of a portion of the portfolio and buy more when it dips below because we know we all know how volatile the market is. So just getting that professional management. Also from the advisors perspective, if I'm an advisor and you're my client and you're buying this on Coinbase or FTX, I don't know what you're doing. And also I'm not making money. That's not under my purview. Like typically the most advisors nowadays they charge an AUM fee. So whatever those total assets are, they're going to charge a slight fee on those total assets. And this brings us under that umbrella. So what ETF is going to do is going to put DeFi on the TradFi rails in a way that hasn't been done yet, which again kind of goes against the ethos of many of these things. But it's not going to detract from the underlying ethos of Bitcoin and what people want it to be. It's just going to be additive to people who want it in a different basically wrapper. Yeah. I was looking at your partner, Eric Balshunis in there, this is one of the many reasons so bullish on ETFs and think they'll dominate for decades to come is their usage is inversely correlated to age. Eighty -nine percent of millennials say the vehicle of choice versus boomers, which is though it is increasing in the survey data that came in from Schwab. But I guess the future is really going to lean toward these other alternative investors who are going out to advisors and saying, hey, I've got some assets here I want under management and here we go. And with that being the case, you've already got a mindset that's starting to restructure how capital might be deployed in the future. Is that something where do you think the switch would happen? Is there a time frame that you say, OK, maybe over the next three years, this we could truly see a shift in the demographic data that could push these ETFs into kind of a stratosphere? Yeah, so like if we're just looking at ETFs in general, one of the things I track, I obviously don't just cover crypto. I look at the whole space. And one of the big trends recovering is mutual fund to ETF transition, which goes to a lot of those things that Eric was pointing out, specifically on the ETF side. It's not going to be like these things launch and all of a sudden they're going to get like billions of dollars in in one week. Like I said, it's going to be institutions. So a lot of institutions, endowments, pensions, they have restrictions on what they can and cannot hold. So they have to hold securities or bonds, what have you. They can't hold this thing directly. Putting in an ETF wrapper allows them to hold it. So if there is there and we know for a fact that our institutions out there that want to have a one percent allocation to this thing, this might be a way for them to do it. The other part of it is basically it's the advisors, right? They're not going to if they want to put maybe some portion of their clients they think would fit to have a one, three, five percent allocation to a product like this. They're not going to do it the day it launches, right? They're going to do their due diligence. They're going to look at things or they're going to slowly put it in over time. So it'll be like an allocation that goes on over the next one, one to three years, kind of like you mentioned. So it's more about the long term impact of these things being launched necessarily than necessarily like, oh, this week it's launching and all of a sudden it's going to send things to the moon, if you will. That's unlikely to happen, in my view, personally. So obviously we'll get an initial splash once these do hit the market. That's going to be kind of the case. Is there any framework of what you guys think at Bloomberg would be the kind of inflows that would be relevant to what the size of this asset class is? I guess it would be similar maybe to what gold or is it even similar to gold that first hit the ETF market? Yeah. So when we look at gold ETFs, which is like something that people kind of overstate, gold ETFs in the U .S. have a hundred billion in AUM. This is, I mean, Bitcoin ETFs aren't going to get there anytime soon, in my opinion. And like I said, Grayscale, I mentioned like twice or three times already, GBC already has 20 billion in assets. So the idea that all of a sudden there's going to be hundreds of billions in these products in any sort of shorter timeframe than years or decade out is kind of unlikely. But yeah, I think of the upper limit or in like a three year time frame would be that a hundred billion number maybe, but there's no way to actually know what type of money's going to come in. The problem is like, we don't know what advisors are going to do, right? Are they going to do that 1 % allocation, 3 % allocation, 5 % allocation and what percent of advisors are going to use these products? And then also what percent of their clients are they going to want to hold these? Not every, this isn't going to fit for every single client in the world, right? It's going to fit for a subset of clients that they feel like meet their risk profile. So deciding that. So it's hard to really know Galaxy actually did a really good piece on this. I'm trying to guess the numbers. They guess I think 14 billion in the first year, but there's also a lot of things going on. We don't know how much money is going to come out of Grayscale because a lot of money that's in there was specifically playing what was going on with the premiums and discounts. And not necessarily like, Oh, I want this exposure. It was more like, this is a trade I'm making to bet on the discount closing or to bet on the premium or something like that over the last five years. So there might be some flows that are come out of there that might not go into some of these other ETFs. Now, how much of that is going to happen? I don't know. So here's a question to you is with Bloomberg, the way you guys analyze ETFs, but also the advisors within the industry, is there any data out there showing the demographic of the actual advisors? Because I would think that if they are falling into the millennial audience, they may kind of be leaning a little bit stronger into these kinds of assets. Yeah, there are a lot of advisors that are leaning into that. So like this, this kind of gets a little bit out of my wheelhouse. We don't have a lot of the advisor data because most of that is like survey data. There are a lot of really good sources that get into that and we'll use those other sources and let me try to figure out what's going on. But for the most part, a lot of the advisors are much older crowd that aren't really interested in this. That said, if you have a client and you're older and the client says they want exposure to this, this is the way that they're going to do it, right? They're not going to open a Coinbase account for them. They're going to go through and just buy this ETF if it's allowed, even allowed. There's a process that could take one few months or two, three years where these platforms have to get the okay from their risk metric teams and compliance teams to actually be even allow advisors or anyone to brokers to even buy these things for their clients. So who knows how long that could take. You mentioned Grayscale obviously kind of being a potential leader, I guess, going out of the gate. What is the next step for them? Obviously, they've had a much further advancement, but why not, why are we not seeing this just going out as a listed ETF right now? Yeah, that's a good question. I don't actually know. The real answer is like they won their court case, right? And there's likely a conversation that's happening between the SEC and Grayscale. Grayscale saying, probably pushing the argument that, look, the deadlines and the statutes say if there is no issued order here, then all of a sudden we're approved. And your order was vacated and that timeframe means we are de facto approved, which that's a legal framework that's unlikely to actually ever happen in the real world, but that's probably what they're saying to the SEC. I'm assuming the SEC was saying, no, you're going to restart and refile this whole process, which is a 240 -day process to go through this and then we'll talk. And then I'm sure there's some like haggling going back and forth. We'll make a deal. We'll refile if we get X number of days, like you guarantee we're going to give us an answer or maybe even just the SEC is telling them we're going to give you an answer on what's going to happen in the next 30 days. We don't know. It's completely quiet. I thought we would have had an answer to like what the next steps are and what's happening last week, the last week or the week before. So I was like thinking by last Friday, we'd have an idea of what's going to go on. And I think I actually tweeted this out. I was like, we have nothing. They're completely quiet. So we're entering a zone right now starting tomorrow where theoretically they could start approving some of these things. Obviously, I'm not saying that that's what's going to happen, but like up and tomorrow is the first date that it could theoretically happen in the last of the next few months. All right. So with that being the case right now, I know you and Eric have kind of looking have been doing these percentage of probability ranges by end of year. Where are you guys at now on this? We're still at 75 percent by the end of the year, but we think basically one thing that goes into all this is we think the SEC is going to try to allow most, if not all of them to launch on the same day. They're not going to play kingmaker. They played kingmaker with Bitto, which is the pro shares Bitcoin futures ETF, got a billion and a half or over a billion in two days dominate. They have 96 percent of the assets, 96 percent of the volume. They utterly dominate. I don't think they don't want to do that again. So I think the SEC is going to try to find these like angles and areas where they can allow a whole bunch to launch at the same time. And like I said, one of those one of those like time periods starts tomorrow and goes through like roughly the 17th, maybe the 21st, depending on with all these other filings. But if you include GBTC, there's 12 active applications right now in front of the SEC. So the SEC might have to figure out a way to do this. So like I said, November could happen. There's also a period in December. Our view is that the final deadline for ARK and 21 shares is January 10th. And I just don't think if they deny then by that January 10th deadline, if they wait all the way up until that deadline, which they don't have to, they can go very early if they want to. We saw that in September. They went months early in some of these cases. They will approve by January 10th is our view. We're at 90 percent on that now. That said, if they deny at that time period, it's unlikely that they're going to deny ARK in January and then approve everything else in March, which is when BlackRock and all these other issuers are due. So we'll cross that bridge when we get to it. But we think we're at 75 percent this year. I think they could try to get it done just like before the Christmas and New Year holidays. So it's kind of a tight squeeze to fit it in like right after New Year's and before that January 10th deadline, unless they have everything ready to go. And again, the next like opening where we could see like a wave of approvals is later this week, potentially into next week.
Real Estate Coaching Radio
A highlight from Proven Buyer Agent Prequalification Scripts For THIS Market!
"Welcome to Real Estate Coaching Radio, starring award -winning real estate coaches and number one international bestselling authors, Tim and Julie Harris. This is the number one daily radio show for realtors looking for a no BS, authentic, real time coaching experience. What's really working in today's market, how to generate more leads, make more money and have more time for what you love in your life. And now your hosts, Tim and Julie Harris. Yes, we do listen to you. Yes, we do read your emails. Yes, we do appreciate your show feedback and show suggestions. And that is what today's show is all about. A lot of you are really ready to formalize your buyer process, which we certainly appreciate. And by the way, if you did not listen to the podcast we did a few days ago, that's talking about the buyer agent commission lawsuits and all the things and expectations that we have that will be changing and how you relate to buyers. Well, make sure you go back and listen to that available on iTunes, Spotify, and of course, over on YouTube. So what we're going to be doing today is we're going to be drilling down on just a handful of our buyer scripts, all of our scripts, everything that's included in Premier Coaching. They're all copy written. You're not going to find these anywhere else on the Internet. Julie and I do not give our scripts away for free. They're an asset that are available only to our coaching clients to use. No one's going to be reselling these or anything like that. So these scripts, the reason that some of you won't be exposed to these before is because they are original and Julie and I are rabid at updating the scripts when necessary to reflect the buyer's expectations and the market's expectations as well. Exactly. Written by us and market tested. Doesn't matter how expensive your market is or where you are in the country or perhaps even in the world, because we have to include our Canadian clients, et cetera. Julie, we should start out by essentially priming them to accept the idea that they all should be using scripts. Yes, because that's a big point of resistance. Well, you know, this podcast, we only have you guys for 20 minutes, 20, 30 minutes. So there's no sense in me not being direct. The people that resist using scripts are, generally speaking, those who think they have enough natural talent to essentially never have to actually formalize their process. And whatever comes out of their mouth is sufficient enough. And that's just the way it is. That is somebody that's resisting being a professional. And they will continually act like that and continue to act like that over time until they essentially have a bunch of setbacks. Now, typically what you'll see is they'll rationalize their failures. So when you see somebody that doesn't use a formalized process in this regard using scripts, you'll see they're the same ones that will tell you, well, it's OK to just list five out of 10 listing appointments you go on. Or it's OK if you have five expires and things like that. Or on the buyer side, buyers are liars. Exactly. So you'll see the types of people that aren't professional and aren't using a formalized process, of which scripts are certainly part of that, are the same ones that are masterful at rationalizing their failures. So a strong suggestion to all of you, dear listeners, is avoid those types of people and don't heed their advice, because the simple fact is, is that all of us use scripts. But if you're not winning more than you're losing, and especially in this market, your scripts just aren't any good because you probably, you know, patched work them together. You're probably, again, winging it too frequently. You're relying too heavily on your personality. And I will give you absolute nailed down proof of that, and I'll be a little self sacrificial as I say this. So our first year in the business, Julie and I sold over 100 homes and we would do a lot of selling together. But for the most part, Julie was keeping the train on the tracks while I was out there basically working with a lot of buyers and sellers, and I didn't know any scripts. We had no formal training in real estate. We do nothing. But still, together, Julie and I worked really, really well together. The customers liked us and we were able to get, you know, obviously we did really great and that worked into a, you know, years after that we're selling between 100 and 200 homes. But when we tried to move out of that particular market where we were originally, where we originally planted our flag, move up market, change price ranges, go to just different types of things, we quickly found that our success rate, which was really high, all of a sudden started to fall. Now, it took in that market a different set, not necessarily scripts, but it's certainly a different approach. The first market we ran, a lot of first time buyers, a lot of first time sellers, things like that. When we wanted to double or triple, what we eventually did is 5X our price range. Then we had to completely update our approach. What I'm saying is our natural talent ran out when we basically left that market or didn't, we wanted to focus on, I think, a wider variety of price ranges and clients. Well, I'm glad that you said that because I was thinking, as you're talking, certainly, you know, our original stomping ground, a lot of first time buyers and also a lot of our center of influence. So many of you will find that the easier stuff, and there's nothing wrong with that, but the easier stuff, past clients, centers of influence, people who already know, love and trust you. And we always coach you to get more out of that crowd, certainly. But when you want to go across town, up market, into neighborhoods you're not familiar with and list and buy with people who don't already know, love and trust you, that's when you really feel the need for scripts. Well, that's the litmus test, ultimately. Are all your customers, all the people you've sold homes for, are they people that are essentially your direct centers of influence and past clients? And have you noticed that when one of them tries to refer you to somebody that very rarely do you end up converting that person, especially if it's a seller to a listing? That's because you're not following a formalized process. The people that know, love and care about you aren't going to hold you to the same standard. But in this, here's the thing that's shifted, though. In this market where sellers are obviously a lot more nervous and buyers are a lot more nervous, you're going to find that even the people that know, love and trust you are going to be a heck of a lot more selective in who they work for or rather who they choose to work with. That's the reason that Julie and I have always cautioned those of you who are so heavily dependent on centers of influence and past clients. You're a one spoke wonder. Your lead generation spokes are going to fail because you only have one. You want to have at least five to seven sources of business. And if it's only centers of influence and past client in a market like this, you will start to struggle again because your centers of influence and past clients, even your mom, they're going to be more selective in who they do business with. That's true. And sometimes it's just a matter of the person who knows, loves and trusts you being married to somebody who also has an agent who is a friend of theirs. And even though there's nothing wrong with your relationship, there is another relationship at play. So thus we get back to scripts, right? So it's not scripts are part of it, but you need to improve your process. There's no more FOMO in the market. People aren't going to want to buy and sell anymore just because you're going to actually have to learn quickly, frankly, what to say, how to say it, how to do a lot of interpersonal communication that maybe you haven't had to do. We call it Dr. Filling, right? It's not knowing what to say. It's not just knowing what to say and how to say it, but it's also learning how to read your customer. These are all the things that we teach you in Premier Coaching. And obviously then a lot of you move up to our one on one coaching programs and even learn at more of a higher level. But if you find yourself struggling, which I know is pretty much the story with most of you, and you or you find yourself accepting failure. Oh, I didn't get that listing because the other agent must have priced it higher, took a lower commission. In other words, you're making excuses. It is past time for you to accept the fact that you need to improve your skill set. That's right. So today we're talking about the buyer side of scripting. And yes, as you said, Tim, that the fear of missing out the FOMO buyers, the flippers, you know, people who are buying and selling for fun have largely left the market. It used to be for every good listing, you'd get 10 to 20 offers. So now, oh, no, there's only three offers for every buyer side. So there are still more buyers in today's market than there are listings to sell them. It's about a three to one ratio right now for every closed transaction. Last month, there were three offers. But even when your buyers are both motivated and qualified, you have no guarantees that you'll find them the right house, win the potential bidding war. And soon you also may have to worry about how you're going to get paid for your hard work. So prequalification just became more important than ever. How do you determine which of them will buy, which will end in a closed transaction and who you should concentrate on? Who should you be setting appointments with to have a buyer presentation and get your agency and exclusive agencies signed? OK, so remember, as with all scripts, the buyer prequalification script is a conversational outline using questions to find out the following, some of the following from your buyer prospects in the podcast. We can't do the whole script after using the buyer prequalification script. You'll then meet your buyer prospects and use your buyer presentation to solidify your relationship, how you work and how commissions work. OK, so again, we're going to show you just a few questions, a sampling of the buyer prequalification script. Now, these notes, today's notes, like every one of our podcasts, if you scroll down, if you're on YouTube, iTunes, wherever, all the notes are right there. And again, these are just a smattering, a sampling of some of the scripts that you are going to need to learn and master ASAP. And if you're one of these script resistors, please remember the story I told about Julie and I. We got pretty far in our natural talents and abilities, but it quickly ran dry. And what we started to see is on our second and third year that we did increase the number of homes and increase our revenue every single year, we still were finding more resistance. It's because we had to learn skills. And all of you are in that place, this last market that lasted basically 15 years, you did not really need to improve your skill set because the market was so buoyant, you know, essentially the rising tides. Right. That is gone. And so now you're going to have to go back. And many of you are hopefully accepting this and learn what you should have learned in the first place. And then you're going to be unstoppable. So we're going to give you a little taste, a sampler plate, a sampler of all of our script or some of the scripts. And these are just focused on buyers. And remember, the notes for today's show are down below. And when you're there, you're also going to see an offer for you to join Premier Coaching. Premier Coaching costs you nothing for the first 30 days. So make sure you click the link to join. And then we give you a lot more buyer scripts and a lot more obviously business planning ideas and, you know, all that good stuff. So it's there. It costs you nothing to join. There's no obligation. And yes, that does include a daily semi -private coaching call with one of our Harris certified coaches. All right. So we might call these script snippets. My note takers to mention that the notes are there. You can also jot these down. Number one, again, on the buyer side, I assume because you're calling or emailing or texting me directly. So this is a line from the prequalification script. Thank you for clarifying. OK. I assume because you're calling me or emailing me or texting me directly, you're not already working with another agent. This question happens early in the script. So you can skip the rest of the script if they've already committed to another realtor. Makes sense. So that's how do most of you handle that? Most of you, those of you who are buying leads from Zillow, that's one of the first questions they ask, right? They want to make sure that a buyer is not committed to another agent. But those of you who are smart enough to generate your own leads, let alone buyer leads, you're going to want to quickly ascertain whether they're working with another agent. Now, here's the reason we wrote this script that, you know, that question like that. By the way, all script is, is generally speaking, just a bunch of questions that are laced together. So the reason that we wrote it that way was because if you straight up ask the buyer if they're working with another agent, they're always going to say yes because they don't know what the hell working with an agent means. So if they talk to some agent someplace 14 years ago, maybe that's working with another agent. Or if they're more savvy, they're going to say yes because they just want the answer to whatever their question was. So all of this is designed for you and hopefully Julie's next question. OK, so she doesn't have this in here, or do you? Oh, yes, she does. Question number three is my favorite question ever. Me too. So I'm not going to stop on that one. But first, question number two, what price has your lender told you not to go above? Now, this question covers all of the bases with regards to finding out about their financing. When you ask this question again, what price has your lender told you not to go above? They'll tell you if they're all cash. They'll tell you if they haven't got a lender yet. They'll tell you if they're pre -approved and what price not to go over. Instead of asking all of those individual questions, the script, what prices your lender told you not to go above, gets straight to the answer. It's kind of like an all encompassing question. Versus asking, are you working with the lender? You know, all this again, the I think amateurish way that most agents have been conditioned to work with buyers is that you give up a whole bunch of your time and you give up a whole bunch of your energy and professionalism. And then you hopefully find out along the way whether they're approved, whether they're working with the lender, whether they have a house to sell. What we're suggesting, Premier Coaching clients, especially you guys, is before you give them any of your time, you need to go through the prequalification script. Then after that, as Julie said, then you sit down with them and you give them a formal presentation. This is all included in Premier Coaching with the output, with the goal of the presentation being they sign a state agency form, a exclusive buyer agency contract and a net sheet. Those three things. So that's all included in Premier Coaching. But the number one thing is, is before you even sit at the table with them, you need to What you're really gearing towards is looking for people that actually have houses to sell, because once you take the listing, that's going to automatically trigger those people working with you on the buy side and a whole bunch of other transactions as well. And that leads us to our mutual favorite point, our script question number three, which home in the neighborhood do you plan on selling? Now, this helps you to determine if they are also a listing lead. Note to self, many agents never ask this question when they get buyer leads. Some of you guys have so many buyers right now and not enough homes to find them that you don't even call buyer leads back. That's even worse because some of them have houses to sell. Well, they don't ask. They don't root out whether or not the person has a house to sell until it's like way further into like maybe days or weeks. And then they're going to sort of maybe hopefully find out if that person's got an agent who they're thinking about hiring to sell their house. You guys have got to stop being passive like that, because what you're telling that agent or that consumer is that you're not confident and they're not going to do business with you. They will do business with people who are acting professional, asking professional questions as professionals will. Can you imagine walking into a doctor's office? You know what the doctor's office experience is, right? Or the dentist's office. Before you even get out of the uncomfortable waiting room, they're going to give you something on a clipboard and they're going to ask for all your insurance information. Why? Because they want to determine if you can pay. OK, now that is before you even see anybody. That is the same. That's the same process wherever you go to see a doctor anywhere. So people have the expectation that they're going to be going through a formalized professional process before they actually see the doctor. What do you guys do? Somebody calls or texts and you don't even ask them to come to your office. You just zip over to their house and with your dental cleaning kit, you're ready to go. You don't know whether or not they have any teeth or whether they can clean out a chair. We'll use your chair. Exactly. That's what a lot of you guys do. Do you think that person respects you when you act like that? They do not. I know. And when we were talking about scripting earlier, I was thinking about how agents think that it's OK to wing it and just use their personality. And I had this image of like the next time you fly the flight attendant. I mean, they've done this before. They don't need a script, right? There's that thingy up there over your head and maybe it'll drop down. And I don't know, you'll probably remember what to do with it. When you freak out, if that happened, you expect a professional experience. Do you know you just described the average JetBlue flight? Well, that's true, too. I mean, they do. Yeah, OK, back to task. OK, point number four, here's a script piece. Paint me a picture. Ideally, what are you looking for in your next home? The more you can drill down on the prospect's needs, the faster you can find what they want. And caution, if you're working with a couple or, you know, two or three investors even, make sure you ask each one of them, ideally, what are you looking for in the next home? Now, I'll give you a little hint. This is assuming you're working with consumers, not investors. Find out, get a picture of their current home, assuming they have one. Or if they're relocating, ask them to send you pictures of their current home, because here's what happens. People do not want to sell their furniture. And most people will actually choose a house around maybe their dining room set and their bedroom set or something like that. So even if someone shows up in your life and they're relocating from another part of the country and they're telling you they want a modern home and you ask for a picture of their current home, some colonial with, you know, you guys get the idea, I promise you they're buying a colonial unless they have no other choice other than to buy something that's modern. They're going to buy what they already have, because most people are comfortable not making very many changes in their lives ever. That said, you're going to have to basically adjust accordingly, because as you go up market, those folks have a tendency to actually like different styles of homes and the homes in the upper end don't, they are almost always including the furniture. But for the meat and potatoes price ranges, say from 300 to really anything less than, I would say 750, a lot of those guys, they're going to buy what they had before. Yes. I think especially with relocation, I remember when you and I were selling homes and we just learned that and we had them bring a picture of their house or send it in an email. And you are so right. They almost like the exact down to the color of the shutters and, you know, the style. So that that's a great top tip there. OK, so next is point number five. When I find you a home, there's an exumptive close. When I find you a home that has A, B, C and D, which was their stated needs and price range. In other words, the home you're looking for that checks all of the boxes on a scale of one to 10. Where would you rate your desire to write up an offer on it? Ten means you absolutely are one hundred and ten percent ready and one means you're just kicking tires. If they're anything less than a 10, your follow up question is, what would it take to make you a 10? So we'll role play that. So, Julie, listen, so I'm going to I'm going to take a lot of time and we're going to see homes that are a very close match to what you say you're looking for. And I might toss in a few ringers that just maybe you're telling me you want something that's an acre, but I find a house that I think might be a good fit for you. But it's only a half acre, things like that. So but let's just say I show you a house that is meets all your criteria, right location, right price, right condition. All your furniture fits in the house exactly the way you'd hoped it fit. In other words, this is the house that you're describing to me as the house you guys both want on a scale one to 10. Where would you rate your motivation to purchase that house? I'm about an eight and eight. Well, congratulations. Good for you. What would it take to get you to a 10? That secondary question is the most important question. What would it take to get you to a 10? And by the way, they almost always say seven. So what would it take to get you to a 10? And then you're going to find out some things that they have not previously told you. I have to see if I'm going to get my relocation. Oh, I have to see it. I have to sell three rental properties. Bup, bup, bup, bup, bup. You get it? So you're going to have to ask secondary questions because then you're really going to determine, well, we're waiting for the lender to clear up a problem on our credit or waiting for rates to drop or we're waiting for pigs to fly. You know, you can then determine whether or not you actually want to work with them. That's right. So if not a 10, then why? And I think every thing that you list off there, we minus maybe the pigs flying, we dealt with in one way or another. And sometimes you remember the previous point was paint me a picture. Ideally, what are you looking for? If you haven't asked all parties involved, maybe that's the objection. You know, I'm an eight, but, you know, my spouse is a six and a half. Well, why is that? Well, it's because they have to have a three car garage because they want to be in a different part of town. You got to drill down. Otherwise, you're really going to be wasting your time chasing down things that they're never going to buy. But with regards to the art and science of all this, when you ask somebody a question, you want to obviously well, maybe not so obvious. You want to repeat what they say and you want to tell them, you know, essentially a good job with your answer, because then you're going to encourage A, you're showing that you're listening and B, you're encouraging them to answer more of your questions because you're kind of giving them a little, you know, thank you very much. So Julie, a seven, that's fantastic. Congratulations. What would it take to get you to a 10? You guys see how I did that? You never want to just go from on the seven and then go right to and skip that middle part because you haven't tied those two emotions together. And once you do that, just test it today. Test what I'm saying today with just anybody. When you repeat what they say and you affirm it, you will find that magic happens on the other side of that. Well, you are kind of secretly bonding over those questions, right? So that's a good thing. All of these. And we have let's see. Yes, that was number five. All of this is included in our buyer mastery, which is part of our premier coaching program. This is just a taste. These are just five questions from our buyer prequalification script. This is not the buyer presentation script. This is prequalifying before you even do the presentation. And this is probably a half, maybe maybe a third, maybe a third. Yeah. So the whole point of buyer prequalifying is when you get a buyer, you're going to take them through the process of determining, obviously, their their motivation. Remember, guys, advanced coaching. There's no such thing as a buyer that has to buy. Buyers always want to buy. There are things that there are reasons that sellers have to sell. Going to say that because it's critical if you're listening to us for the first time. So important that you get this because you're otherwise going to find yourself being very frustrated, especially in a market like this. This is the reason that we always try to lean you guys towards focusing on becoming listing agents with so many of you, because frankly, this past market have resisted. Now it's time for you to dust off that resistance and focus on becoming listing agents. But yes, you're going to be working with buyers along the way. We a buyer never has to buy. Why? Because a buyer can always rent. A buyer can always stay in their current house. A buyer can always, you know, add a bedroom. A buyer can always wait. A buyer can always, you guys get the point. So the thing with buyers is there's always going to be a lot of reasons why they'll change their minds. Interest rates went up. Well, I'm going to wait for rates to fall. There's an election cycle going on. I'm going to wait till after the election. Like that has anything to do with anything. You know, maybe it's going to be the holidays. Maybe it's going to be some sort of vacation. It's always going to be something that's going to drive you crazy. OK, now when you work with sellers, there are such things as sellers that have to sell. In other words, again, we have a lot of seller prequalification questions and you're going to find out that when you're, especially in this market, there's less than four million homes that sold. I can pretty much guarantee you those were four million sellers that had to sell. That is the bottom of the market. That is the floor. This market will always serve up around four million must sell sellers every single year. That is going to be what you're going to see is the historical low mark for home sales for probably the next 40 years. So congratulations. You've been through the worst housing market. Oh, and we're working on our predictions for next year. And we're thinking that we're, you know, next two years, really. And we're expecting a lot of return to normalcy with regards to inventory, but that in a different podcast. The real focus, what I'm hoping you take away from this, is that when you work with buyers, because you will have to make sure you're taking a professional approach, but never forget there is no such thing as a buyer that has to buy. They always, they're always a want to buy and they can easily change their mind and they often do. But there are examples of sellers that have to sell. They're getting relocated. They can't afford the house. They lost their job. They have new construction that's closing or a resell that's closing and they need the cash. It's a probate listing. It's a divorce situation. It's a this and that and the other thing. There's a whole bunch of reasons why sellers have to sell. And there are no reasons why ultimately a buyer has to buy. Be clear about that. Be very clear about that. Otherwise, you're going to find yourself, frankly, toiling away of a lot of nights and weekends wondering why your five or six magical buyers never bought. And then you're going to be about midway through the year and then you're going to see the buyers start losing interest because now they're focused on the vacations and now they're focused on kids going back to school. Then there's Halloween. Then there's the holidays. And now you ended up selling like nothing that particular year because you spent too much time with buyers. Thus, the scripts, the scripts are there to help you to sift and sort, to get the answers so that you I mean, we're not anti buyer. Buyers make the world go around. And if you have listings, you need buyers, certainly. But what we're trying to drive home here by exposing you to these questions is to sift and sort and make sure that you're spending your time wisely when you end up doing the buyer presentation, which soon you're probably going to be required to do at a higher level, that you're spending your time with somebody who is likely to transact with you. Although it is always true that buyers never have to buy, your job is to find the ones that have the strongest desire to buy, who also ideally have listings for you. So these script questions hopefully will help you on your path. But remember, this is only about 30 percent of what's out there. If you're honing your buyer system, you've got to really dig deep and get to be part of Premier Coaching, because again, we have lots more scripts. This is just part of it. I would love to have this just, you know, our prequalification outline, working with buyers and working with sellers. Had we had that our first year, we could have sold probably twice as many homes for 206, I'm sure, if we actually knew what the hell we were doing. Well, true. And we weren't even in a situation most of the time where there were three offers for every listing. It's important to point out that our first year in the business, we were selling in what was a buyer's market. It was not an easy, you know, sell instantly seller's market. It was a tough market. Interest rates were very similar to what they are now. I made a great interest rate when Julie and I were selling real estate was maybe six and three quarters to maybe seven and three quarters. And guess what? People were still buying and selling, but it was a lot tougher. There was no buoyancy in the economy. There was no all these other things going on. It was a bit of a recession. The interest rates were higher, all of this. And guess what? Sellers were not walking away with a boatload of cash in nearly every case. That's a super important point in our market. When we were selling real estate, our first year, real estate was increasing in value, call it appreciation. It's really inflation by roughly two percent per year. So if someone bought a two hundred thousand dollar house, I want you to think about this. So you're one it appreciates by it goes to two oh four. Then it goes to, say, two oh six. And you can do the math yourselves if someone didn't stay in that two hundred thousand dollar house for at least three or four years, sometimes five years, depending. They weren't not they didn't even have the money to sell the house without losing money. So they bought it for two hundred. They put down twenty thousand dollars, their 10 percent down payment. And it was very normal for people who hadn't stayed in their houses for usually seven to ten years. That's true to lose money. They would end up basically at closing walk away with less than they originally put down in the house net or worse if they were, say, a first time buyer that had a three percent down payment and then got relocated six months later. That's right. I mean, that was the unfortunate truth of our market. There was no this runaway appreciation did not exist in our time. So the scripts that we used were actually a lot harder than these oftentimes. Oh, yeah. And by the way, that's what all of you need to learn now. That's the reason that so many of you are listening to this podcast, because you're saying, oh, it turns out there's a different kind of housing market and maybe you knew who knew. I know Tim and Julie did. So listen, guys, thank you for keeping this number one listed daily podcast for real estate professionals in at least the United States. If you're over, if you have the chance and I would certainly appreciate it, as with Jules, do give us a five star review over an iTunes and do leave a comment about why you like the podcast. It goes a long way to help us know we're on track. And again, this today's podcast was inspired by a lot of the questions we were getting from some of you. If you guys have a question you want to send to us, the best way to find us is over on Instagram. And it's at Tim and Julie Harris at Tim and Julie Harris on Instagram. You guys know how that works. And yeah, send us a message there. And we do love the feedback and show ideas that always keeps us on track. Have a fantastic day. We will talk with you on the show tomorrow. This podcast is a part of the C -suite radio network. For more top business podcasts, visit C -suite radio dot com.
CoinDesk Podcast Network
A highlight from MARKETS DAILY: Crypto Update | Insights from Coinbase's Q3 Earnings Report
"This episode of Markets Daily is sponsored by CME Group and PayPal. It's Monday, November 6th, 2023, and this is Markets Daily from Coindesk. My name is Noelle Acheson, Coindesk collaborator and author of the Cryptos Macro Now newsletter on Substat. On today's show, we're talking about trading volumes, layer 2 blockchains, business activity, and more. So you don't miss an episode, be sure to follow the podcast on your platform of choice and turn on notifications. Just a reminder, Coindesk is a news source and does not provide investment advice. Now, a markets roundup. Crypto markets had a relatively quiet yet positive weekend. According to Coindesk indices, at 9am Eastern Time today, Bitcoin was trading at $35 ,066, up 0 .04 % over the past 24 hours. Ether was trading at $1 ,904, up 1 .5%. Elsewhere, Ripple's XRP token is up more than 13%, Uniswap and Stellar are up more than 7%, and Avax and Filecoin are up over 5%. A more optimistic sentiment does seem to be consolidating, and when it comes to Bitcoin, the gentle upward slope of the price trajectory over the past couple of weeks suggests that the increases are from a steady inflow of new demand. This is more organic, as opposed to the sharp moves that we have seen recently, many of which were triggered by derivatives -related repositioning. Hopefully this also means the trend is more sustainable than other upward moves we've seen so far this year. In macro indicators, we need to look at a point from Friday that was somewhat overshadowed in the excitement about the soft employment report. We need to talk about the US Purchasing Managers Index, or PMI, specifically that for services. There are a few PMI series published, but one of the main ones comes from the Institute for Supply Management, which measures business activity on a monthly basis via an index that reflects responses from purchasing managers as to whether the market conditions are expanding, staying the same, or contracting. Anything above 50 is expansion, below 50 is contraction. On Friday, we got the Institute for Supply Management's PMI for the services industry. Services PMI is especially interesting given that services contribute almost 80 % of US GDP, and it is services -related inflation that has proven particularly hard to bring down. Well, in October, according to the index, services activity in the US declined for the second consecutive month. It is still expanding, but at its weakest pace in five months and notably less than economists had forecast. It's too soon to say this deceleration will last. A separate gauge of new orders increased in October after a sizable drop in September, so we could see activity pick up again next month. The reading does highlight that the economy is looking a bit choppy, though, and it makes the next few monthly PMI readings all the more relevant. In stocks, as expected, the US indices continued their upward march on Friday, as softer -than -expected jobs data brought forward expectations of a rate cut and pushed bond yields down further. The US 10 -year yield on Friday almost touched 4 .5 % for the first time since September, having been at 5 % just a few days earlier. The S &P 500 was up almost 1%, the Nasdaq closed up 1 .4%, and the Dow Jones rose two -thirds of a percent. Futures this morning are pointing to a mixed opening. In Europe, stocks were largely mixed to flat on Friday in spite of the US enthusiasm, but they closed out a strong week with the German DAX and the broader Eurostox 600 posting their strongest weekly gains since March. The FTSE 100 showed some weakness, closing four -tenths of a percent lower but still breaking a two -week losing streak. So far this morning, sentiment is still looking mixed. In Asia, sentiment in today's trading was decidedly bullish. Japan's Nikkei index jumped 2 .4%, the Hang Seng closed up 1 .7%, and even the recently beleaguered Shanghai Composite Index rose almost 1%. In commodities, oil prices settled more than 2 % lower on Friday as supply concerns eased. This morning, the Brent crude benchmark was recovering slightly, trading up 0 .5 % at $86 .50 the barrel. Gold is again holding steady, trading at $1 ,986 an ounce. Stay with us. After the break, we're going to take a closer look at some intriguing insights in Coinbase's Q3 earnings. Introducing PayUSD, PayPal's stablecoin. Designed for digital payments and Web3 transactions, PayUSD is the only stablecoin supported by PayPal. Built on Ethereum, it's compatible with widely used wallets, exchanges, and dapps, and fully backed by US dollar deposits and cash equivalents. Eligible US PayPal customers who purchase PayPal USD are able to transfer PayPal USD between PayPal and external wallets. Send PayPal USD to friends in the US on PayPal or Venmo without fees. Shop with PayPal USD on millions of sites. Convert any of PayPal's supported cryptocurrencies to and from PayPal USD. Whether you are a crypto expert or a newcomer, PayPal provides a secure and convenient platform for your crypto transactions. Start exploring at PayPal .com slash P Y U S D. Welcome back. Crypto exchange Coinbase released its third quarter earnings last week. Now that I've had a chance to go through them, there are a few things worth highlighting. Revenue fell by almost 5 % from the previous quarter, a smaller drop than most analysts were expecting, and the net loss shrunk from almost $100 million in the second quarter to around $2 million in the third quarter. Unsurprisingly, most of the revenue drop was due to a decline in transaction fees, which of course accompanies a drop in trading volumes. According to Coinbase, global spot volumes were down 24 % in the third quarter, which is, you know, ouch. Coinbase's volumes fell by less. Retail trading volume was down by 21 % and institutional trading volume was down by 17%. Nevertheless, this obviously hurt, but less than many other crypto trading businesses since trading revenue accounts for less than half of the company's income. An interesting insight is that it's not just trading volumes that impact exchange revenues, it's also crypto asset volatility. With higher volatility, traders trade more. According to Coinbase in the third quarter, crypto asset volatility reached its lowest point since 2016. Well, if you've been following the Bitcoin price recently, you'll have noticed that it has picked up. According to data from the block, 30 -day historical volatility for Bitcoin is roughly three times what it was at August's low point. This is good news for exchanges, especially since spot volumes should follow volatility up. Together, they should increase overall liquidity, which would be very good news as that could encourage more new large investors to enter the numbers. I want to mention something Coinbase CEO Brian Armstrong said in the earnings call. He opened with what he himself acknowledged was a provocative statement about the future of blockchain development. I quote, on chain is the new online end quote. He goes on to elaborate how blockchains are extending the impact of the internet on the way we interact by bringing back the decentralization that was the original part of the internet manifesto. But not only that, blockchains also introduced the concept of ownership, which the internet was missing. But how can blockchains become as ubiquitous and flexible as the internet? According to Armstrong, it's through layer twos, which are scalable blockchains that anchor to layer one security. Layer one in this case refers to base layer blockchains such as Bitcoin and has this to say about layer twos. I quote, the transition from layer one networks to layer two networks can be likened to the transition from dial up internet to broadband. That's an evocative comparison for sure. Some could accuse it of being somewhat commercial since Coinbase launched a layer two network this summer. Called base, it anchors to Ethereum and aims to provide a fast and reliable platform for developers to work on practically any type of application. Activity has declined since the initial hype, but base is still doing pretty well. According to DefyLama, total value locked, which is the amount stored in smart contracts on the network is around $300 million with roughly 55 ,000 daily active addresses. For context, that's slightly less than half the number of daily active addresses on Arbitrum, the largest layer two in terms of value locked. But we should remember that base has only been open to the public for a long time. However, rather than dismiss the comparison of layer twos to the advent of broadband as a self -serving framework, we can look at the investment in base as an extension of a loftier goal to rethink what we want the internet to be. Here we have an exchange focusing on more than trading volumes. And while Coinbase will earn revenue on its layer two through sequencer fees, there are no plans to issue a token as yet that could centralize the monetization of network growth. Will layer twos become the new internet only with greater decentralization and a new concept of digital ownership? Obviously, I hope so. There's a long way to go though, in terms of usability. And there's the danger we end up with what we have now, a concentration of power and dubious monetization strategies. A big difference is the transparency of layer two development. And there's a lot of us watching and rooting for it to succeed. That's it for today's show. For more crypto podcasts, check out the Coindesk Podcast Network. You can reach us at podcasts at coindesk .com, follow us, and if you like the show, please leave us a five star rating on whatever platform you're listening to us on. Markets Daily is produced and produced by Coindesk. We're back tomorrow with more market news and insights.
Markets Daily Crypto Roundup
A highlight from Crypto Update | Insights from Coinbase's Q3 Earnings Report
"This episode of Markets Daily is sponsored by CME Group and PayPal. It's Monday, November 6th, 2023, and this is Markets Daily from Coindesk. My name is Noelle Acheson, Coindesk collaborator and author of the Cryptos Macro Now newsletter on Substat. On today's show, we're talking about trading volumes, layer 2 blockchains, business activity, and more. So you don't miss an episode, be sure to follow the podcast on your platform of choice and turn on notifications. Just a reminder, Coindesk is a news source and does not provide investment advice. Now, a markets roundup. Crypto markets had a relatively quiet yet positive weekend. According to Coindesk indices, at 9am Eastern Time today, Bitcoin was trading at $35 ,066, up 0 .04 % over the past 24 hours. Ether was trading at $1 ,904, up 1 .5%. Elsewhere, Ripple's XRP token is up more than 13%, Uniswap and Stellar are up more than 7%, and Avax and Filecoin are up over 5%. A more optimistic sentiment does seem to be consolidating, and when it comes to Bitcoin, the gentle upward slope of the price trajectory over the past couple of weeks suggests that the increases are from a steady inflow of new demand. This is more organic, as opposed to the sharp moves that we have seen recently, many of which were triggered by derivatives -related repositioning. Hopefully this also means the trend is more sustainable than other upward moves we've seen so far this year. In macro indicators, we need to look at a point from Friday that was somewhat overshadowed in the excitement about the soft employment report. We need to talk about the US Purchasing Managers Index, or PMI, specifically that for services. There are a few PMI series published, but one of the main ones comes from the Institute for Supply Management, which measures business activity on a monthly basis via an index that reflects responses from purchasing managers as to whether the market conditions are expanding, staying the same, or contracting. Anything above 50 is expansion, below 50 is contraction. On Friday, we got the Institute for Supply Management's PMI for the services industry. Services PMI is especially interesting given that services contribute almost 80 % of US GDP, and it is services -related inflation that has proven particularly hard to bring down. Well, in October, according to the index, services activity in the US declined for the second consecutive month. It is still expanding, but at its weakest pace in five months and notably less than economists had forecast. It's too soon to say this deceleration will last. A separate gauge of new orders increased in October after a sizable drop in September, so we could see activity pick up again next month. The reading does highlight that the economy is looking a bit choppy, though, and it makes the next few monthly PMI readings all the more relevant. In stocks, as expected, the US indices continued their upward march on Friday, as softer -than -expected jobs data brought forward expectations of a rate cut and pushed bond yields down further. The US 10 -year yield on Friday almost touched 4 .5 % for the first time since September, having been at 5 % just a few days earlier. The S &P 500 was up almost 1%, the Nasdaq closed up 1 .4%, and the Dow Jones rose two -thirds of a percent. Futures this morning are pointing to a mixed opening. In Europe, stocks were largely mixed to flat on Friday in spite of the US enthusiasm, but they closed out a strong week with the German DAX and the broader Eurostox 600 posting their strongest weekly gains since March. The FTSE 100 showed some weakness, closing four -tenths of a percent lower but still breaking a two -week losing streak. So far this morning, sentiment is still looking mixed. In Asia, sentiment in today's trading was decidedly bullish. Japan's Nikkei index jumped 2 .4%, the Hang Seng closed up 1 .7%, and even the recently beleaguered Shanghai Composite Index rose almost 1%. In commodities, oil prices settled more than 2 % lower on Friday as supply concerns eased. This morning, the Brent crude benchmark was recovering slightly, trading up 0 .5 % at $86 .50 the barrel. Gold is again holding steady, trading at $1 ,986 an ounce. Stay with us. After the break, we're going to take a closer look at some intriguing insights in Coinbase's Q3 earnings. Introducing PayUSD, PayPal's stablecoin. Designed for digital payments and Web3 transactions, PayUSD is the only stablecoin supported by PayPal. Built on Ethereum, it's compatible with widely used wallets, exchanges, and dapps, and fully backed by US dollar deposits and cash equivalents. Eligible US PayPal customers who purchase PayPal USD are able to transfer PayPal USD between PayPal and external wallets. Send PayPal USD to friends in the US on PayPal or Venmo without fees. Shop with PayPal USD on millions of sites. Convert any of PayPal's supported cryptocurrencies to and from PayPal USD. Whether you are a crypto expert or a newcomer, PayPal provides a secure and convenient platform for your crypto transactions. Start exploring at PayPal .com slash P Y U S D. Welcome back. Crypto exchange Coinbase released its third quarter earnings last week. Now that I've had a chance to go through them, there are a few things worth highlighting. Revenue fell by almost 5 % from the previous quarter, a smaller drop than most analysts were expecting, and the net loss shrunk from almost $100 million in the second quarter to around $2 million in the third quarter. Unsurprisingly, most of the revenue drop was due to a decline in transaction fees, which of course accompanies a drop in trading volumes. According to Coinbase, global spot volumes were down 24 % in the third quarter, which is, you know, ouch. Coinbase's volumes fell by less. Retail trading volume was down by 21 % and institutional trading volume was down by 17%. Nevertheless, this obviously hurt, but less than many other crypto trading businesses since trading revenue accounts for less than half of the company's income. An interesting insight is that it's not just trading volumes that impact exchange revenues, it's also crypto asset volatility. With higher volatility, traders trade more. According to Coinbase in the third quarter, crypto asset volatility reached its lowest point since 2016. Well, if you've been following the Bitcoin price recently, you'll have noticed that it has picked up. According to data from the block, 30 -day historical volatility for Bitcoin is roughly three times what it was at August's low point. This is good news for exchanges, especially since spot volumes should follow volatility up. Together, they should increase overall liquidity, which would be very good news as that could encourage more new large investors to enter the numbers. I want to mention something Coinbase CEO Brian Armstrong said in the earnings call. He opened with what he himself acknowledged was a provocative statement about the future of blockchain development. I quote, on chain is the new online end quote. He goes on to elaborate how blockchains are extending the impact of the internet on the way we interact by bringing back the decentralization that was the original part of the internet manifesto. But not only that, blockchains also introduced the concept of ownership, which the internet was missing. But how can blockchains become as ubiquitous and flexible as the internet? According to Armstrong, it's through layer twos, which are scalable blockchains that anchor to layer one security. Layer one in this case refers to base layer blockchains such as Bitcoin and has this to say about layer twos. I quote, the transition from layer one networks to layer two networks can be likened to the transition from dial up internet to broadband. That's an evocative comparison for sure. Some could accuse it of being somewhat commercial since Coinbase launched a layer two network this summer. Called base, it anchors to Ethereum and aims to provide a fast and reliable platform for developers to work on practically any type of application. Activity has declined since the initial hype, but base is still doing pretty well. According to DefyLama, total value locked, which is the amount stored in smart contracts on the network is around $300 million with roughly 55 ,000 daily active addresses. For context, that's slightly less than half the number of daily active addresses on Arbitrum, the largest layer two in terms of value locked. But we should remember that base has only been open to the public for a long time. However, rather than dismiss the comparison of layer twos to the advent of broadband as a self -serving framework, we can look at the investment in base as an extension of a loftier goal to rethink what we want the internet to be. Here we have an exchange focusing on more than trading volumes. And while Coinbase will earn revenue on its layer two through sequencer fees, there are no plans to issue a token as yet that could centralize the monetization of network growth. Will layer twos become the new internet only with greater decentralization and a new concept of digital ownership? Obviously, I hope so. There's a long way to go though, in terms of usability. And there's the danger we end up with what we have now, a concentration of power and dubious monetization strategies. A big difference is the transparency of layer two development. And there's a lot of us watching and rooting for it to succeed. That's it for today's show. For more crypto podcasts, check out the Coindesk Podcast Network. You can reach us at podcasts at coindesk .com, follow us, and if you like the show, please leave us a five star rating on whatever platform you're listening to us on. Markets Daily is produced and produced by Coindesk. We're back tomorrow with more market news and insights.
Crypto Banter
A highlight from The #1 Trading Strategy For Making Money In Crypto November 2023
"The number one trading meta in the market at the moment is conference pumps. Over the last two to three weeks, we've seen the strongest gainers in the altcoin market actually be coins with upcoming crypto conferences. So in today's video, I want to talk about this strategy, how you can apply it to your trading, what it tells us about the market, and also look at some of the upcoming conferences to see if there are any trade opportunities on the table. So in the last 30 days, Solana pumped over 104%, Nia pumped over 48 % in 18 days, XRP rose 26 % over the same period, and two of the biggest AI coins, FET and AGIX, also rose 83 % and 43 % over 18 days. For context, during this exact same period, the total three index, which is the total cryptocurrency market cap, excluding Bitcoin and Ethereum, rose a mere 15 % in comparison. So it's clear right now that the market dynamics have shifted because before the anticipation of good news leading into a conference or leading into an announcement wasn't really garnering much hype in terms of price action. But now with market dynamics starting to shift, retail sentiment slightly increasing after the latest Bitcoin pump that we've gotten, the market is now more susceptible to these pre -conference and these pre -announcement pumps, which makes the whole buy the rumor, sell the news trade more applicable to trading because before the market wasn't really responding. So let's go through some of the major conferences now, look at what the tokens are doing, and also look at what happened in the last time they had a conference pump. The first one is Solana, the red lines exhibit the breakpoint conferences in Lisbon, this year it was in Amsterdam. And you can see here that every Solana breakpoint conference, Sol pumps aggressively into the conference and then has a sell off. It happened in 2021, it happened again, we had a 40 % pump in October 2022, then the FTX saga happened and it crashed. And now we've had a pump again, we're starting to get that rejection. You see that wick here on the top of the candle right into the conference towards the end of the conference. Will this be another buy the rumor, sell the news event? Well, history tends to indicate that that is the case for Solana. The only caveat that I'm going to throw into the mix here is that the FTX saga was basically unprecedented. So that was a very rare black swan event for the market, which impacted Solana's price. And then also the Solana breakpoint conference in November 2021, corresponded with the overall market top, obviously the rate hike fear started to climb back into the market, Bitcoin started to reverse, sentiment from a macro perspective started to shift and the entire market sold off. So it wasn't a Solana specific buy the rumor, sell the news. So there were two macro events, which maybe impeded our ability to read the price action accurately here. But one thing is for sure, there has been a sell off into the event. So that's one thing. Let's look at some of the other events though. Nia protocol, pretty much the exact same thing happened into Niacon in September 2022. We saw Nia pump and then dump aggressively post conference. If we see what total three was doing during this time, the market was relatively sideways. It did have that major drop in November, but as you can see, the Nia drop happened even sooner. So the fact that the market didn't take a huge sell off during the Nia conference, sell off indicates that this was a buy the rumor, sell the news event. And then it went on to make lower lows. You can see now into the next conference, which is exhibited by this second red vertical line here, we are seeing strong price movement from Nia pumping over 48 % in 18 days. So these coins are now starting to be responsive to these conferences, but historically it's been buy the rumor, sell the news. But let's go into another one. Let's look at the XRP conference. They didn't have a swell conference last year, but it is pumping in the lead up to the conference once again. XRP actually looks really good. It is making higher lows on the weekly timeframe here, which from a macro perspective is quite good. You can see FET and AGIX also moving aggressively into the AI conference season. I think the one that has garnered the most attention is the inaugural open AI developer conference on the six, lots of announcements being teased there. I don't necessarily think there's going to be a FET or AGIX announcement, but nonetheless, the AI narrative is running into the hype of that conference. So what can we kind of look at from this data? Well, what we can see is that in the past, buy the rumor, sell the news events have definitely been prevalent for conference pumps. So you do have to be careful in terms of longing into the conference, like on the actual day of the conference. However, there is definitely a trading opportunity leading into conferences. In fact, there is a trading opportunity leading into a lot of major conferences. Timing it can be tricky because the further out the conference is from the time you're positioning yourself, yes, you are front running the narrative, so you're getting in early. That can be an edge, but the downside is market conditions can change in the meantime. So let's say the market takes a huge sell off in the interim, even though you get a conference pump that may erode most of your gains. So there is a risk positioning yourself super far out for conferences, but what we can observe with conference pumps is that they tend to gain steam roughly 18 to 25 days pre -conference. So this is typically your best time to position yourself in the shakeouts in the month prior to the conference. You can see this happen with Solana in the lead up to Amsterdam this year. You can see it happen with Nia with that shakeout a few weeks before the conference in August 2022. So the best trading opportunities are actually usually a few weeks out because then you're not holding onto your bags for let's say an entire month and exposing yourself to general market downside if there is downside. Instead maybe you miss out on a little bit of potential gains, but you're getting in during a time period which is still early enough before the conference that traders don't pile into the trade. I do think conference trades though only really work when the market is feeling okay towards altcoins. In complete bear markets like we've seen over the past year or so, the market has been unresponsive to conference or announcement pumps. So this is definitely a trading strategy that you can use. And another thing you can do when you are taking entries for these sort of trades, obviously you want to be getting in during the pre -conference shakeouts if there are any. When you're getting your entry you can actually make sure that you're buying in during a time where that token has momentum. For example if you were buying into Solana pre -conference you could search up Solana on Kaiba AI and you could get a metric which is its Kaiba score to dictate whether momentum is starting to go from bearish to bullish territory or bullish to bearish territory which gives you an indicator as to whether you're catching the momentum of the market. So Kaiba AI is a really good tool because it's going to give you on -chain analytics which show you the amount of trades, type of trades that are happening, whether you're seeing net flow onto exchanges or back onto DEXs and I think this is a really important thing to keep your eye on because this can help you get better entries and the Kaiba score aggregates a lot of that data to give you an indicator as to what the momentum of a token is at any given moment and you don't only need to do this on a token like Sol, you can do this for any token which is across any of the EVM networks. Although Sol technically isn't an EVM token, it's natural to the Solana blockchain, it is wormholed onto other chains like the BNB chain. So maybe the on -chain analytics aren't as accurate but a lot of people still do trade Solana on wormhole. You can see here just the amount of trading volume we can see, 523 total trade spot Solana trades on the BNB chain. So there's a link to Kaiba AI in the description below. If you do want to sign up and get market alpha before the rest of the market, CryptoBanta subscribers do get early access to Kaiba AI versus the normal waiting list that you'll go into if you weren't, clicking through the link in the description which can run you a few weeks. So now we've looked at some of the biggest coins that are pumping into the conferences and their historic data but now I want to look at the lesser known ones because buying into a Solana conference hype or an XRP conference hype or NIA or ADA conference hype, it's very different from trading some of the smaller coins. Typically the lesser known coins, they won't pump as aggressively into the conference but if there is any announcement or hype around the time of the conference, there can be good trading opportunities. So I'll name a few that have conferences over the next few days that I think you should keep your eye on in case there are any big announcements. Remember, the market is now more responsive to news. You've got Apecoin being one with Apefest, by the way, token doesn't look that strong TA wise but this is definitely something to keep your eye on, who knows, they might pull a rabbit out of a hat. You've got Helium Network as well. This conference is in another five days so there is more time for a trade here on HNT so this is what I would look at into this conference. You've got YGG which is nice because it overlaps with the gaming industry, this is a little bit further out so this is in that window that I discussed before about trading into pre -conference hype and YGG also overlaps with gaming which has been one of the hotter narratives over the past couple of weeks. This is actually one that I might look to trade leading into the conference as well as Helium which I'm keeping my eye on and Apecoin for me is only if there's really any major announcements in the conference, it's not a very hyped coin. So as I said, the lesser known coins typically, they might not outperform as well into the major news. Now I have another strategy for you that you can implement which is actually just keeping track of your own calendar. So you can really front run the narratives by like months or weeks, a lot of the time the conferences aren't necessarily announced like 6 months to 12 months ahead but at least a few months ahead, you can get an idea of what conferences are at what times and this can actually help you start to pre -empt the rest of the market. So if you do have a bit of patience and you're willing to market out in your calendar, these can be great trades. Definitely, definitely great trades. I know a lot of traders who actually get their own edge through a lot of these conference slash announcement trades. So there's a website called coinmarketcal .com. What you can do is you can use the filters here to sort by conference or other announcements. You can also sort by date and what you can do is you can scroll through and see what upcoming conferences there are. You can see there's a few general events, there's a few specific events. You can go further down the list and get dates further in the future. You can also set your own dates and this will allow you to see what conferences there are. You can see here Neocon, then we've got Helium House, then Ripple. These are some of the more hyped ones like Neocon and Ripple price -wise but then as we go further forward, you have Avalanche happening in two weeks time. That might be one to keep an eye on. You've got a few other ones as well to keep your eye on and also broader crypto conferences which may have announcements. Always good to look at these too and look at who the speakers are so you can start taking your destiny in your own hands and preempting for some of these conferences. A lot of them aren't listed until closer to the conference but we know the sweet spot pre -conference is usually around a month out to start looking at positioning yourself due to the market conditions effect that I mentioned earlier so that's really fine anyway. Three to four weeks out I think is a decent trade. Anything longer than that and you're kind of holding on to hope a little bit and if you're in a leverage position, you might be paying crazy funding to hold your position in the meantime so that is also something to note. I want to give a shout out to today's sponsor SmartX who are offering some of the best APRs in crypto for stakers so if you are holding any Arbitrum, USDC, Bitcoin and you would like to stake it, SmartX has a solution which minimizes the impact of impermanent loss which is an awesome feature which I think makes LPs feel a lot more comfortable staking. You can earn some pretty insane yields between as you can see here 29 % all the way up to 51 % across a variety of chains. Some chains have higher APRs depending on the pool and also different assets on BNB you can stake BNB, on Polygon you can stake MATIC so I would highly recommend checking out the SmartX Farms if you would like to earn some passive income and they also just reached $100 million worth of on -chain volume. They recently partnered with 1inch to offer their liquidity across a variety of other service providers which is a massive milestone for the ecosystem as well so there's a link in the description to SmartX if you want to check them out and earn some passive income. I hope you enjoyed today's video and learned something about trading conferences. Let me know in the comments below which altcoins you're trading and if there are any conferences you're looking forward to from a trading perspective. It is really the meta in the market at the moment and not just conferences by the way but announcements, good news, this kind of thing, this preemptive positioning ahead of events I mean that's really what the entire BitcoinSpot ETF trade is, is super effective in this market environment so definitely something for traders to take out of today's video. I'll see you in the next one. Peace out.
Real Estate Coaching Radio
A highlight from Oh Sh!T, Real Estate Home Inspections KILLING Deals!
"Welcome to Real Estate Coaching Radio, starring award -winning real estate coaches and number one international bestselling authors, Tim and Julie Harris. This is the number one daily radio show for realtors looking for a no BS, authentic, real time coaching experience. What's really working in today's market, how to generate more leads, make more money and have more time for what you love in your life. And now your hosts, Tim and Julie Harris. Julie, I've got great news for you. The listing that we've had for sale for four months has finally gone into contract. Yes, finally we did it. But here's the problem. What's that? The buyer's home inspector is the home inspector that has the bedside manner of a bull in a china shop who likes to make the tiniest little problem sound like the end of the world. And this is the home inspector this buyer's agent chose for that buyer. He's going to blow it up. I just know it. Exactly. So listeners, you've ever had that happen? Maybe you're on one side of the transaction, the other, or the home inspector, frankly, again, as the bedside mayor of a bull in a china shop, does not know how to explain to the buyers or the buyer's agents for that matter, how to essentially comprehend the home inspection report. When you get into the mode of selling more real estate, in a market like this, where home happen inspections on every house that's for sale, even new construction oftentimes, you're going to find the inexperienced home inspector, oh yeah, you think you had it licked because you learned how to be a listing agent. You thought so. You priced it right. You conditioned it right. You did all your marketing great. Everything got the listing finally in contract. And now here's this home inspector that went to a night course six months ago who has not been doing very many home inspections because the market was in such a way that no one was asking for home inspections. The buyer said to buy without a home inspection. Finally he's come out from underneath this bridge and he's finally working and he has no experience with how to actually talk with sellers, talk with buyers and keep deals together. So what we're going to be preparing you for today on today's show, and this is just an overview of the, uh, of the actual coaching receiver, premier coaching is how to never lose a deal to a home inspection. Exactly. How do you still make it to the closing table? Well, agents fall into two categories on this issue. Which one are you? Number one, experienced agents who have a Swiss army knife of solutions that they can deploy to keep buyers and sellers happy and still make it to closing. They don't panic. They just solve the problem. And by the way, the solution is if you're on the listing agent side of things, just going to the buyer agent and this is not the solution and saying, let's just split the cost. No. Okay. And the solution is if you're on the buyer agent side of things, taking the list of all the things, the home inspector found, and then just assuming that the seller is going to fix all those things, and then you decide to put some inflated price to what the repairs will actual costs that is also going to lose the deal. So pay attention as Julie and I go through these notes. These notes are available for you. Just scroll down there at the end, the show description. Most times we can include all the notes from the show description. And when you're there, you're going to see there's a link to join premier coaching. Premier coaching is arguably the nation's number one selling coaching program. Why? Because so many agents want to know how to not just survive, but thrive because of this market. So the links to join premier coaching for free are down below. Don't waste any time. Don't procrastinate yesterday's podcast and just click the link to join premier coaching. And again, it's free for the first 30 days and yes, that includes a daily semi -private coaching call, or you can just go to premier coaching .com. That's right. So remember agents fall into one of two categories. The first one was the experienced agent with all of these solutions and you know, they're pretty comfortable dealing with inspections, but you might be in the second category agents and brokers who may be experienced in working with buyers and sellers, but don't have that much experience negotiating home inspections because they haven't really had to in a hot sellers market of the past basically decade where sellers could just say, nope, take it or leave it. I've got three other offers or worse, no inspection at all. If you want to buy it, you know, inspections were waived entirely for awhile. And I have to say that a lot of more experienced agents, especially agents that were in the market during the real estate correction, 07, 08, 09, they knew how to use home inspections to renegotiate the contract with the seller. So a lot of you are, especially if you're new listing agents and you're dealing with an agent that's been in the market for awhile, they're going to be laying in the tall grass few and we're going to talk about that when we get to that point. Oh yeah. We're going to do a lot of drill down on that. So whether you're in the first category or the second category, these points will help you navigate your toughest inspections. Here's a fact. Buyers are getting more control of the transaction and home inspections are happening again. So are home inspection negotiations. Worst case scenario, this becomes, as Tim just mentioned, a secondary point of negotiation. As in the price of the house and that that could blow up the deal, especially if that seller was a little cantankerous to get them to the table in the first place or the buyer or most likely in most cases, both. That's right. So everything could be on the table, including the purchase price, concessions from either or both sides and even the deal itself. This is a critical skill to improve upon so that you'll virtually never lose a deal due to failing the home inspection items. So we're going to talk about what to do when you get that big grocery list of what the buyer wants fixed.
The Bitboy Crypto Podcast
A highlight from What Is Trump Coin? - Safemoon Tacos - Hundred Coin - Degen Dungeon
"What's up, Discover Crypto? I'm Jackie Dutton, mother of degens, first of her name, and queen of the shitcoin kingdom. It's been a glorious week of green candles and great news for crypto, and I know that you little degenerates are just itching to throw some profits into a potential 1000x dumpster fire. So I'm going to break down a couple for you, some of them that you so kindly recommended in the comments last week. I will add some of my own colorful commentary of course, and we will see if these deserve a pump or a dump. Good? Good. Let's get into it. First up, this token is the greatest token, much better than any other tokens. I saw this token and I thought, wow, this is a great token. A token hoping to make Ethereum great and not the mega token, which also exists, but it's trash. Let's not talk about them. No, this glorious token is named after 45 himself, the Trump token, with the ticker actually being Trump. Of course, his name is on it. His name is on more things than lawsuits right now, if that's possible. If you're looking to own a based token that also does some good, this is one of the ways is the tokenomics use half of their 1 % buy and sell tax to donate to Operation Underground Railroad to help stop human trafficking of children and disabled American veterans. I'm not sure how protecting children and helping veterans became causes of the far right, but welcome to 20 and 23. I hate it here. On their website, megatrumpeth .com is also President Trump's real Ethereum address if you would like to donate to his campaign directly. I am sure that he would say thank you if he wasn't currently being fined for violating a gag order every time he opens his mouth. The heads of the project are Sean Farish and Steven Steele, and they host weekly Trump Twitter spaces on Tuesdays at 8 p .m. $100 buys you over 2 ,500 tokens and currently the 30 -day chart of this token is looking a lot better than Biden's approval ratings. So let's make crypto great again, guys. I would pump this. I will also pump cyanide into my veins if we have to deal with four more years of this shit. Next up, thanks to samsung -jn55 in the comments of last week's video is our next token. Do you ever feel like the only thing that would make Bitcoin better is if it were truly anonymous? Because nothing assures skeptics and the government that you are not using crypto for a sketchy purpose like privacy coins. Truthfully, I feel bad for even talking about this coin here. For starters, it's not a token, it's an actual coin. It is proof of work instead of the typical DJIN POS. And no, that doesn't stand for proof of stake with the tokens I usually talk about. Bitcoin -Z is a proof of work coin that you can mine that is like anonymized Bitcoin. It was launched by an anonymous developer and it is completely decentralized. Its all -time chart shows that it's currently down 99 % from its former all -time high, so either it's a really good buy or a really dumb one. Honestly, this looks like one of those projects that did really well before the 2021 meme coin NFT metaverse hype took over. So let me know in the comments if you think that proof of work will see a resurgence in the next bull run, especially since Bitcoin received so much Greta Thunberg backlash for being bad for the environment. Which is a lie, by the way. You know what sucks way more fossil fuels for its usage than Bitcoin's entire blockchain? YouTube. You're on it. You're killing the earth. But also, smash that like button. We now interrupt this episode of DJIN Stensions to bring you a special segment from our Weather Girl. Yes, as you can see, we have some strong winds developing in a system delivering a major red flag warning for all SafeMoon holders. The official Clusterfuck system began forming a few weeks back when their CEO issued a public statement in their Discord that the LP does not belong to the holders, stating that they are also not investors in the company products. Since this system began forming, it has caused a massive drought, leaving the Treasury wallet bone dry. In an effort to ease the drought, it has been raining nothing but merch on this moon, though. Merch that you must use fiat to purchase or anything other than SafeMoon. But it won't be used to restore the liquidity. So a voluntary evacuation has begun on the chart, as the climate is simply unsustainable for life. Any word from their CEO about why the liquidity pool wouldn't belong to the holders? So far, no. Just a post about Taco Tuesday and spending the equivalent of 381 ,000 tokens to eat on one meal. There has been an update from their former Chief Marketing Officer, though, in which he is posting excerpts from an upcoming book he's writing about his experience working at SafeMoon. 381 ,000 tokens for tacos. SafeMoon, fighting to be the next Venezuelan Boulevard.
Revision Path
A highlight from Manny Ikomi
"Let's face it, whether you're hiring or trying to find work today, the process has become tougher than ever. Between ghost listings, AI -powered applicant tracking systems, chat GPT -written resumes and cover letters, and wild employment scams, how do you know if your resume, your application or your job posting is even being seen by an actual human? That's why we've relaunched our job board to try to help you find your next opportunity. And if you're a company that's hiring right now, we'll feature your listing on our job board for 30 days, and we'll help spread the word about it to our audience of podcast listeners for just $99. Get started with us and expand your job search or your recruiting efforts today. Revisionpath .com forward slash jobs.
The Crypto Conversation
A highlight from Huddle01 - The Decentralized Communication Network
"I'm a fan of, of the whole philosophy of being a multi planetary species. So if you ask me, I believe it that right that humans will, we are very exploratory in nature, and we need to be outside as well. Like just like inside, we need to be outside as well see more things. Hi everyone, Andy Pickering here. I'm your host and welcome to the Crypto Conversation, a Brave New Coin podcast where we talk to the people building the future in the Bitcoin, Blockchain and Cryptocurrency space. exchange, centralized finance, or CFI structure, and it's more than just secure storage. One of the most important aspects of the Web3 BitGet wallet is BitGet Swap, which supports tokens from more than 90 different blockchains and offers cross chain compatibility across 17 different chains. BitGet Swap aggregates liquidity across 100 DEXs and leverages intelligent routing mechanisms to provide users with the best trading prices across different protocols. So try the BitGet wallet, download the app today. I've put a link in the show notes or just go to web3 .bitget .com. All right, well, thank you to BitGet. And now it is on with the show. And my guest today is Ayush Ranjan. Ayush is the co -founder and CEO at Huddle One whose mission is to democratize WebRTC and make it more private, secure and scalable. Welcome to the show Ayush. Thank you so much Andy for having me. And yeah, great to be here. Great to have you here. Let's do what we do at the beginning of the show. It'd be great if you could please introduce yourself. We'd just love to hear, I guess, some of your personal and professional backstory and what you've been doing in the lead up to getting involved with founding Huddle One. Yeah. So my journey is that I am an electrical engineer by my study. Like I started electrical engineering graduate back in 2016. Did a lot of work in product and growth for four years in the startup world. Basically growing all these B2C based startups from zero to one. So did a lot of work in digital marketing, SEO, ASO and all the growth based stuff like programmatic advertising. But realize that the way we are doing advertising is not great because you target people left, right and center. So that's where I stumbled upon something called as Brave Browser, which was my entry into the world of Web3 Space in 2019 itself, where I realized that you don't need to target people to show them ads, you can actually make sure that you can build a bottom up system in which you can show these ads in a much more non targeted manner, while still having great results. So that's how I entered the space. The first token which I ever bought was not BTC or ETH but actually bad basic attention token because I so much believe in the project. And then in 2020, while I was I dabbled more into the blockchain Web3 Space, I stumbled upon a hackathon, which was happening in the Web3 arena, which was called ETH Global Hacker Fest. It happens every year, same time in July. And ETH Global was fantastic doing these online hackathons of 30 days, seven days, 21 days. So I was like, Okay, let's let's try to get into this and understand that what's happening there in the hackathon space of Web3. So I then got my co founder, who is now my co founder, Sushmit, and also the CTO at Huddle as a kind of hackathon partner, and we decided to build something in the hackathon. And that's where we realized that it was July of 2020. Zoom was like trading at the top of the stock market, maybe a bit frothy as well because of the whole COVID saga. But there was a big privacy issue at that time, which was called zoom bombings. That means anyone can join your zoom call. It was not private. And that made us realize that privacy is a very big concern in the in the world of communication. And communication is the integral part of human beings to collaborate, innovate, and and basically to move further along. So and then over time, we realized that the problem is not just with zoom, the problem is actually with all the infrastructure of video communications and audio communication itself. So that's how we started building a peer to peer video calling platform. And then we added a layer of IPFS and FileCon for recording live peer for live streaming. And that's how we build the first product layer of Huddle01. Now in the last three years, we have become a team of 30 people raised more than $5 million so far, and have built the product layer, the SDK layer, as well as the protocol layer, where the SDK is more like an integrated audio video into your own product in less than five minutes using five lines of code. And the protocol is basically that if we if you, me and Sushmit are doing a call, Sushmit can become a node, and he can power the meeting. So we have built a proper people powered communication network, starting with the app layer, moving to the SDK layer, which is the middleware, and then moving towards the protocol layer itself. So yeah, I think that's the journey about us. Yeah, in descriptive manner. Very nice. Thank you so much. Yeah, we packed a lot in there. And it's fascinating. I love the fact that your entry, I suppose, into into Web3 or blockchain was, as you said, the Brave browser and basic attention token.
Hearing Jesus: Daily Bible Study
A highlight from 413// Using the Scriptures to Pray
"Do you sometimes doubt if you're truly hearing God's voice or if it's really your own? Or have you been in a season where it feels like He's completely silent? Have you been praying for a way to learn how to hear His voice more clearly? Hey friends, I'm Rachel, host of the Hearing Jesus Podcast. If you are ready to grow in your faith and to confidently step into your identity in Christ, then join me as we dig deep into God's Word so you can learn to live out your faith in your everyday life. How have they been in the roofing business for so long? Quality work at a great price. They keep their promises and communicate with you, the homeowner. Coats Bros Roofing will listen to you and find solutions that will accommodate your roofing needs. They'll give you a better than competitive price on your roofing job and make sure that it fits within your budget. Financing is available too. The highest quality at a great price. Coats Bros Roofing. Call 440 -322 -1343 or go to CoatsBrosRoofing .com. That's C -O -A -T -E -S. CoatsBrosRoofing .com. Cycling isn't just cycling. It can be cycling or cycling or even cycling. Peloton isn't just one thing. We have classes that will ease you in and classes that will make you sweat and a range of instructors so you can find your match. Whatever you're in the mood for, we can get you in the zone. See for yourself with a worry -free 30 -day home trial. Visit 1Peloton .com slash home dash trial. Terms apply.
Real Estate Coaching Radio
A highlight from 7 NEW RULES For Real Estate Agents MUST Know
"Welcome to Real Estate Coaching Radio, starring award -winning real estate coaches and number one international bestselling authors, Tim and Julie Harris. This is the number one daily radio show for realtors looking for a no BS, authentic, real time coaching experience. What's really working in today's market, how to generate more leads, make more money, and have more time for what you love in your life. And now your hosts, Tim and Julie Harris. On yesterday's podcast, we answered the question, is this the worst real estate market in all of our lifetimes? And we're not going to tell you the answer, you have to listen to yesterday's podcast. But today we're going to be giving you the seven new rules for real estate agents in this market, or seven new rules that agents must know to not just survive, but thrive in this market. Because as hopefully we expressed yesterday, despite the headlines that this is the lowest number of home sales annually in decades, despite the fact that the interest rates now are higher than they've been in decades, there are still 8 million agents that received paychecks in the last 12 months, 4 million transactions roughly. The actual number is, Julie? The actual number is 3 .96. And the number of new construction homes that were built in, let's assume sold in the last 12 months, was also around 700 ,000. So you know, you've got to think about that. Now with that said, the average commission for most agents is going to be at least $10 ,000. If you add all this up, roughly 5 million transactions times roughly $10 ,000, or 5 million times 2 if there were a buyer's agent and a listing agent on each transaction, times $10 ,000, that is a lot of money. So there are still agents, a lot of agents, that are doing incredibly well because of this market, because they are learning the new, frankly, skills that are absolutely positively required to not just survive but thrive in this market. That's right. The agents that are most proactive are absolutely, without a shadow of a doubt, making the most money already in this shifting market. And you don't have to be the most seasoned, veteran, experienced, blah blah blah agent. Matter of fact, and this is the interesting thing about a market like this, you can be brand spanking new and be, you know, farming or doing a lot of proactive lead generation into a market where there is a well established agent who's been the king or the queen of that market for generations and you could easily start getting listings that otherwise would have been theirs. That's right. Some of our listeners can attest to that. So yes, the market is shifting, but don't overreact. We have had fewer sales, but we're not having price crashes or anything like that. So tuck your drama in and get back to work. If you expect buyers and sellers to transact with you, you must be more educated, motivated and proactive than in the previous hot, hot seller's market. And also, Julie, a lot of agents have been asking you and I about eXp Realty. We did a show last week about, you know, essentially a lot of agents looking for a broker upgrade or choosing a broker in the first place. Yes, Julie and I are proudly associated with eXp Realty. Yes, we would love the opportunity to be your sponsor at eXp Realty. And there's two paths you can follow. You can obviously scroll down, read the notes, click the link, learn more about our eXp Realty group, watch the videos on the website, or you can just go to whylibertas .com. And again, the link is below and the links are always below in our show notes. Oh, yes, that's right. Our show notes are always shared with all of you guys. We give you all these notes so you can use it for your own maybe social media, for your own your team training, your broker training, whatever it is. So do scroll down. The notes are below. And also, again, if you're interested in joining eXp Realty, which all of you should at least have open minds to doing so, give us an opportunity to earn the right to be your sponsor. You can click the link, learn more about our group, or you can just text me directly at 512 -758 -0206, 512 -758 -0206. We'd love the right to be, to earn the right to be your eXp Realty sponsor. That is truly how we feel. It's an honor for us to be partners with you in your real estate career. So let's have a conversation. Scroll down, click the link, learn more about our group, or if you're ready to land the plane, just text me directly at 512 -758 -0206. And my phone number is also down below. Do not call. Please do text. I have my ringer turned off. So just text and we'll start the conversation. That's right. So today we're talking about seven new rules for real estate agents in today's shifting market. So starting out with a fact as always, some homes will sell immediately with multiple offers, refer to yesterday's podcast for those stats, and sometimes over the list price, and some of them won't. Be able to handle both situations with skill. Remember, the market is not about to crash. We're not going to have prices just falling out of the sky. The number of sales is lower, and it may seem like a crash to you if you believe that 30 days on the market is the end of the world, okay, but this time is not like last time. Stop saying that. Many agents, buyers, sellers, and lenders were not even adults during the last time the crash of 2007 to 2009. The elements are not remotely the same. We've done extensive podcasts on those facts. Waiting to buy or sell because you think the market's going to crash is definitely a mistake. Let's do put an asterisk by that. Yes, you are correct. If you're thinking that there's going to be distress in multifamily or in commercial, there is every reason to believe that is true, but not on the residential side of things. We talked about that on the yesterday's podcast, but there's probably going to be a lot of buying opportunities. Those of you who have been looking for multifamilies, and frankly, the cap rates have been pretty bad the last few years, well, I think, and Julie and I have seen the actual projections as far as what's going to happen with, frankly, a lot of the multifamilies. They could be dropping in cost by as much as 20 % over the next 18 to 24 months, and the same goes, if not worse, frankly, for office space. If you're looking for office space and you want to be buying office space in San Francisco, now is going to be probably the best time of many generations to do so, but on the residential real estate front, absolutely not. This is the lowest amount of distressed real estate in how many years? Do you remember? I think they started reporting on that about 48, 50 years ago. Since the beginning of reporting, this is the lowest that it's been, and it's actually going down. Is it really? As a percent of all homes, the number that are actually in any forms of distress are actually just expressed historic lows. It's like right around 3 % or less. That's incredible. Yep, absolutely. So we're talking about the seven new rules for the new market. Rule number one, set your seller's expectations for two scenarios. So I'm talking to listing agents now. Yes, it may sell right away, possibly with multiple offers. However, if it does not sell right away, what does that do to their plans? Understand your seller's motivation and their timeframe and discuss different scenarios After you have the listing signed, but before the first showing, what are the average days on the market for the subject property? Don't assume that it's 10 seconds or 10 days or less, or even 30 days or less, depending on the market conditions. It's not all going to universally be the same like it used to be. But do assume that your seller does think it's going to be on the market for 10 days or less. Do assume that if you competed for that listing, that the other agents weren't as informed as you because they might not be podcast listeners, let alone our coaching clients. So do assume the seller is going to have their head full of a lot of misinformation that you're going to have to correct with a lot of facts, hopefully many of what you're learning from our coaching program.
Ask The Health Expert
"30 day" Discussed on Ask The Health Expert
"You look and feel right now and have the energy to play full out at 100. What you measure and monitor you can improve. You just want to make sure you are measuring the right thing. If you're counting calories, you're focused in the wrong direction. I mean, yes, calories count, but where they come from counts most. And you want to make sure that you're setting yourself up for success by tracking where those calories come from by tracking your macros instead. You know, it's said that we underestimate our calories by as much as 40% per day. I track my macros for a month to ensure I was hitting my protein goals and getting the plant diversity for my gut microbiome. And it helped me dial in my daily diet. Even better. So I'm going to share my experience to help you determine your perfect amount of protein fat and carbs per day so you can transform your body over the next 30 days. First, the macros. Protein, carbs, and fat. But let's get into protein first. So for protein, I'm focusing on it to build and maintain skeletal muscle. Of course, when you eat protein first, which is my mantra, couple really cool things happen. Number one, it's more satiating. So you'll have better appetite control. Number two, it helps with better balanced blood sugar, especially when you team it up with fiber, and number three of the three macronutrients, protein fat and carbohydrates, protein is the most thermogenic. It's going to burn about 20 to 30% more calories as it gets assimilated than carbohydrates or fat are. It comes down to having about .7 grams to one gram or a little more per pound of target body weight. Now that's important, not your weight now, but what you want your weight to be. Your target body weight. The higher range is if you're a vegan, if you're training really hard, if your aging, or if you're recovering from something.
THE EMBC NETWORK
"30 day" Discussed on THE EMBC NETWORK
"Can actually make it even easier for you because I've got a special program that takes you through each of these steps. Very, very simply in a systematic fashion over a 30 day period. And it shows you everything you need to do to create that ultimate marriage. It's called my save your marriage program. And as I said, it's simple, it's easy to follow, and it really is specifically designed, I've specifically designed it for couples who are in a lot of pain with their relationship and who are really at their wits in they don't know what to do. And they're on the brink of ending things. And I find that a tragedy when people get to that because my whole message is about a little bit of the right information when you apply it makes a world of difference. And I can assure you this is certainly the most effective and powerful program I have ever seen of its type in effect, I'm so sure it will work for you that I even have a money back guarantee.
THE EMBC NETWORK
"30 day" Discussed on THE EMBC NETWORK
"How you can save your marriage within 30 days or even less actually. But also to transform it and by then I mean to make it even better than it ever was. So I don't know where you are right now, obviously, but you're probably here because you're in a place of real pain in your marriage or your relationship. Maybe you're feeling who it may be there's a lot of hood there may be your spouse is feeling hurt as well. Maybe one or either of you are considering leaving. Maybe one or either of you is having an affair. Perhaps you've tried counseling, perhaps you've tried everything in fact. And maybe your spouse is not willing to try anything more or perhaps didn't even want to try counseling in the first place. But for whatever reason, all the love in the communication has gone from your marriage and relationship probably. And you might be thinking from where you are right now that to rescue your marriage and make it an amazing relationship, particularly in just 30 days is just a fantasy. You know, you probably thinking, well, it can't possibly be done in your case. I mean, maybe you just can't imagine that you and your spouse have got all over all your problems and you're having a loving relationship and not only do you feel truly loved by them, but you love them as well, and you're sharing fun and laughter. And things are fun and they are easy between you and you've both completely got over any hurts that you were feeling. And when you've got a fantastic seeks life as well and you're both exploring ways to satisfy each other sexually. So that it keeps things bubbling and exciting in getting better day by day. So you really are probably thinking this is all impossible. But the truth is it's not in any marriage, I believe can be saved and turned around and turned into this sort of relationship.
Mind Pump
"30 day" Discussed on Mind Pump
"I think it just goes back to this idea which probably goes back to my trauma that like. I just wasn't worthy of that kind of love you know so much just from hearing your talk About this journey so much pain and challenges connected to the trauma but also and this is this is a maybe challenging to talk about so much of your success is connected to that trauma in the sense that it pointed you in this direction. Do you look back and say a wish. That never happened or do you look back and say it sucks. I'm but that is why. I'm the person i am today. I want. i wanna have a small clarification i. It's hard some for some people. It's hard when when someone says while your success was tied to the trauma. It wasn't the trauma. It was made me who i am. Yeah it was my resilience right. There's it's just a very small kind of change. And how i see it. I never go back and say like. I wished that didn't happen. If something if anything in my life changed i wouldn't be where i am right now and i'm super happy and grateful for exactly what i have I am at a point now. Where i can say while. I learned some really valuable lessons from these deeply painful experiences. That's not an easy thing to do. And that's not something that i think. Everyone who experiences trauma has to get to i. Certainly don't Think that everyone needs to get to a place where they can see the silver lining. But i happen to be able to. And i wouldn't i wouldn't change any of it you know. There's so much especially in the whole thirty that came from my addiction and my recovery in that came from you know as a result of the trauma and that experience did make me who. I am today If we if we had someone watching right now Maybe a young person who's experiencing or experience from trauma Do you have any words for them to to help them. through the process or maybe avoid some of the destructive behaviors that may result from it. Yeah it's i mean first of all. I have so much empathy. Because as i mentioned there's just no area of your life that trauma doesn't touch and doesn't impact an in obvious and completely subconscious ways but i'll go back to the point i made earlier..
HORSES IN THE MORNING
"30 day" Discussed on HORSES IN THE MORNING
"Often than we did lecture if somebody is interested in subscribing or following you. Where can they find you. So western horseman. Dot com is the easiest way to get linked up with all that we have to offer and on the website you can subscribe and You know facebook were western horseman on facebook. We're western horseman on instagram. Easy to find us there so But starting out the website you can see some of the things that maybe have appeared in the magazine or Other past articles and and videos like the things that i do. When i'm out and about training videos and things like that so Yeah western horseman. Dot com and our facebook instagram. They're all good ways to keep up with what we're doing awesome. Well we were so glad that you were able to come on lizzie. It was a great to speak with you Hopefully we'll see you in the next couple months at some of the extreme mustang makeovers or some other industry events But thank you so much. Thank you to western horseman for continuing to Partner with extreme makeover and the mustang heritage foundation. We really appreciate. Y'all well we appreciate the partnership as well and we know how important sponsors are to an event because we do it ourselves and so We really do value the partnerships the sponsorships and all the people that are involved. So thank you for letting us the part of it so next step. We've got malia redman. Malaria is a youth competitor. She's actually competing in the upcoming kentucky extremist makeover as well and she actually competed in our very first virtual extreme mustang makeover last year..
HORSES IN THE MORNING
"30 day" Discussed on HORSES IN THE MORNING
"We all know that that's what we like about each other. And so being a part of the folks that love mustangs is just a perfect fit for us and helping to educate love educating and i. I just think that there couldn't be a better fit for folks that are interested in horses and it doesn't matter what breed of horses we could not agree more. We are so thankful to have the the long term partnership that we have had with western horseman So tell us what western horseman is up to. What are you guys up to. Now you know a lot of different things Times they are a changing and since nineteen thirty. Six you know. We started as a print magazine. That's a cornerstone of our business and always will be. Is that print. Mac magazine that folks receive in the mail every month or pick up on the stand but because times are changing we've excitedly branched out and so digital opportunities. We've taken advantage of so. Our facebook page our website instagram. Those are really good assets to have along with the magazine and Just give us another way to reach audiences so we do send a lot of time. Now not only gathering material for the magazine but also for videos that you can watch on facebook or on the website. And and and. That's something that i do a lot of Like today i'm here at. Chris cox says and i'd for a jack. Brainard clinic celebrate his hundred birthday. And so i'm gonna do some video here and while you may not see it in the magazine something that it will appear immediately on your phone or on on your computer. So that's given us really an opportunity to reach a bigger audience. And so while our still first and foremost it's been fun to be able to reits other people immediately and in in other ways so we're still out on the road all the time. We've got our editorial staff and the rest of the folks. You were traveling. All over the place we just went to arizona to the babbitt ranch and in august that will be. The the focus of the issue is the babbitt ranch fourth year. That we've done it focused on a big influential ranch and this year's about it so that was a big trip that we took recently and will be headed up to oklahoma to do our fall..
PT Pintcast - Physical Therapy
"30 day" Discussed on PT Pintcast - Physical Therapy
"We're not gonna kick yahoo just yet just hanging on the back backstage here as we bring in one of my colleagues at fox rehabilitation Stephanie long comes back in You get to be kind of our cleanup hitter here. Being on fourth of four. Let's make sure your microphone there. We go that is a podcast perfect. You're good stephanie. Same sort of prompts. Same idea in the last thirty days. Some things moving What have you been doing seeing feeling experiencing since we laxed talk. Talk stephanie the yours. Thanks jimmy again. Thanks for having me in here and everybody on the call. I mean man. I have learned so much from being with you guys it every time i think about it. It's more thoughts and more passionate. And that's really where i've been in. The past thirty days is more self reflection. I think this year in general. I've i've really taken a priority in self reflection With my family with my profession in my career and lift this entire topic of diversity and racism and from the past thirty days. I've i've talked reflected more and i realized my why like. Why am i so into this right now. Why is it so important. And why did this conversation have i think if my own guilt I've kind of flown under the radar my entire life i never wanted to be categorized or put into a bucket for fear of racism right. I family had gone through it. I seen what can happen in this world with it. So i decided to fly under the radar and i didn't want to be. I didn't wanna stand out too much. I didn't want to be put in a category in a bucket and fast forward through my career in the most racism. I've seen has been as a healthcare professional. And you hear stories about jama and you read the article and you have these conversations with colleagues now and it just it's skill. It's guilt but.
PT Pintcast - Physical Therapy
"30 day" Discussed on PT Pintcast - Physical Therapy
"To take action to teach my students about some of these things and and then how they could potentially impact je- nearly all of them contacted their federal legislatures in some way or form About one of these issues. So that was heartening to me to kind of think about that. And i think the other action item personally. I'm always in stage of growth. I don't know enough. The more i read the more i feel like. Oh my god. I don't know anything. And why does jimmy on this podcast. Because i feel like a little imposters grow so this is also national public health week so the boston school of public health was doing a series on anti-racism in medicine and health policy update and so they were bringing in. Just the cream of the crop in you know in talking about this. I attended two of the three sessions one on monday in one yesterday. I missed the one today with senator elizabeth warren and that by you know it's just learning more listening more then kind of thinking about okay. Ooh that was great. Can i take out of that. And apply to what i do individually and then maybe in bigger circles as well and so one new a public An act that came out that congresswoman ianna presley from massachusetts senator elizabeth warren From massachusetts as well as congressman barbara lee from california they reintroduced the anti racism in public health act and so that would create a center on racism in health at the. Cdc that would be big if we could establish a center at the cbc and that would strengthen the federal government's ability to develop. Antibodies help policy and boom. That's light bang here biggest level of socio-ecological approach in that could trickle down to us. And then we can trickle up. So i would encourage everybody listening here and others do check out that act it was. I think Introduced in one hundred and seventeenth congress In february back in february. I don't have a bill number but Congressman presley talked about it yesterday. And i haven't contacted my federal legislatures about that..
PT Pintcast - Physical Therapy
"30 day" Discussed on PT Pintcast - Physical Therapy
"The the lay of the land remains the same. There hasn't been any kind of real change as far as a lasting Anything lasting implications Beyond one person having a a bit of a dent in their so There's still a lot of room left to to to have action. There was a bit of a blow up about an article Editorial a letter to the editor. In the new england journal of medicine that was questioning whether or not systemic. Racism was a thing that should apply to pulse oximeters there's well established Discrepancies in the quality of readings. The effectiveness of pawsox symmetry For people with different skin color Or that is to say pulse. Ox symmetry varies depending on skin color. And that's known so disputing that. This letter disputed that a device could be racist that it was a volition lacked and again willfully skating The meeting of systemic racism and separating out individual actions To segment out to say you know. We're we're all good people here. we're not. we're not bad. Only bad people racism so that was Status quo and it was looping in the second two of two of the leading journals in american health care so that was discouraging So mixed bag as far as what's going on in the world What i've been thinking about in the last thirty days is the continuum between that difference between systemic and individual racism the idea the systemic racism is something that's out there and perhaps immutable And that individual. Racism is separate independent on. What's in our hearts and our intentions are good Best wishes best wishes. So i like that example of the pulse. Oximeter something. that's an at net pertains to into rehab Something that also pertains and this is close to my heart. When i first started in pt. I wanted to wound care and And there's a similar level of ineffectiveness for assessing wounds and assessing skin. That's not white Everybody is basically taught white skin as the default and aren't really taught signs and symptoms In other People in in people with other skin colors so That that rang. That's not just technology that's also a pedagogy like talking about how we're taught the the kinds of examples that have run into class stuff like that and this is among very long tenured clinicians. So that got me to thinking about Wear that systemic. Racism turns into an individual act of racism. And you know kind of partnering on that Clearly with the knowledge that a pulse oximeter is not going to return as meaningful.
PodcastDetroit.com
"30 day" Discussed on PodcastDetroit.com
"Getting better sleep stress manage that type of thing Okay Then the food allergies. I would say if you're dealing with arthritis go on a hiatus take a thirty day break of do gluten free dairy free and go on like a keto diet which is but focused on lots of vegetables lots of vegetables and cut down on junk food and cut down on fried food and all this other stuff but clean your diet up. You will feel a lot better in the joints will feel a lot better And then also cut out the coffee. I would say there's other hot drinks for used to being coffee. Cut out the coffee and try that for a while and see what that does the dehydration which is water trink extra water and if you have arthritis whether it be are a or a drink distilled water and especially for the thirty day drink distilled water. Why does war because distilled water has no minerals in its mineral hungry and it will pull the minerals auto body even your joints if you too many of these mineral deposits in your joints it will start to pull that audio choice and will make you feel a lot better For the allergy. Go back to that one hour. Caps eller caps has quercetin in it which is a In a number of other things which are an antihistamine. It will be you know people that are used to doing role or something like that. They can switch up. And go on a natural antihistamine. That would be the our caps if we're dealing with inflammation just generalized inflammation That's where people use a lot of the over-counter whether it be tylenol. Or ibuprofen all this other stuff. Try dalton all the delta toca trials which is a form of the vitamin e. It is very anti-inflammatory. It creates a lot more blood flow but it clears out inflammation. You could do one you could do to. You could do eight day. Eight of the dental Especially if you've got a real serious lots of inflammation and you don't have to take them all at once. You can take an and especially the dental since an oil. It really works good with proteins so take it with. Let's say a protein meal can take it by itself. But i i like to take a little bit of protein. Take it with a little bit of a protein shake or or you know a little bit food or something like an egg this type of stuff It helps to get you know. be absorbed glove better topical. What do i do remember a talk about topical. What could i use to rub on. George especially finger joints of neem oil and lemon. Which is this orange oil. You mix them together and you rub it into the joints. And i've had a lot of people say. Wow that stuff really really works better at works really good in terms of relieving especially with the finger joints or you're congruent on the shoulder joint or something like that. Why because lemon as a transporter of delivering the neiman and name is an anti-infective it and it's anti-inflammatory so it will relieve inflammation but also will start killing the infection directly in the join I've talked a lot about this. Which would be the final symes. Fighters works like a prednisone. Some people go onto the steroid typist. Stewart or a steroid type of pre The fighters signs which is a pretty levick enzymes..
PodcastDetroit.com
"30 day" Discussed on PodcastDetroit.com
"I would say all of leaf. Olive leaf is a just general spectrum into bacterial into microbial garlic or the l. aside and that's the other type of thing and focuses it really is good for bacterial but it's good for everything. Adp which is the oregano eighty. -biotics makes this company company makes a pill which is an original. These are the three main things that are just broad spectrum. They kill virus that could bacteria that kill Candida these types of things can't hydrochloric acid having enough hydrochloric acid in the stomach. Especially when you eat a high protein meal or a heavy meal making sure you can digest this. That will then cut down on. How many waste products go into the filters and give them a break. Start to clean the body o k so that would be an infection. There's another one. That's very specific for bone infection. And that would be the osteo. Van ostade vent premier research. Let's make a product called osteo van in it's really good at rebuilding So it's good for bone. They used to be called bonin joint. But it's what we would call. It's used for sick bone and joint the the bone conditioned that would be sick or infection would be Jesus think about it. The osteo prosise osteo pedia Which would be dissolving of the bone. There's a relation that kind of the same thing. They're in the same family because they're really being driven by the same infection. Who's eaten my bones. Who's eaten my joints. It is the infection and it's the infection eating the bugs editing but it's also your immune system is dissolving the bones to pay the immune system to fight the infection. So either way it's gone a double whammy at your bones and joints case so stevens. Really good at actually helping to heal the bone but also it's anti-infective for the bones and joints Then we get into liver gallbladder. How do we clean out. The liver gallbladder. Well first of all the gallbladder nd which is this liquid Has what's called nannies. Gold coin has be six. Six is a really good thing for the the gallbladder to clean the god. Now people say. But i don't have a gallbladder left. Well you still have the tube and your body's still creates vile all. The gallbladder is as a storage tank for the bile and a squirting mechanism to squirt the bile into the digestive track. Lynn it's needed. But what is bil- bile is the waste product of the liver. It's the the cleaning out so the liver cleans itself out so even after you remove your gallbladder you still create bile and the governor. Andy helps to thin. The by out helps to give you a nice good liquidity by the liver india's another thing. Which is that has an anti tumor to work. As one of these great thing with the curcumin which is really good for liver. It's also a lot of people. Say god that's great for my joints. I love the tomb. Rick because it helps to relieve the pain or painting also because it's anti infective Anytime we have pain. You got to consider that. There's some sort of infection or pains coming from the waste products the destruction of the infection or your immune system going after that. Then we get into adrenals making sure you're having enough salt. A drain of n is another good thing. There's a number of really good supplements that are great for the adrenals but folks something that's where we also get into sleeping working on your sleep at whole video on before. Check that out on sleep. What do we do about sleep. There's there's just a huge checklist. Of what can i do to sleep. And it's not just melatonin. It's about creating your bedroom. It's about setting up times to sleep. It's about putting yourself bed. Blue blockers to stop the screen pro. I mean it's a whole list but focus on.
PodcastDetroit.com
"30 day" Discussed on PodcastDetroit.com
"You can see me on my facebook page which is strategic healing. Can my youtube channel. Which is jason equal. Qra and again we are going to like subscribe the whole shebang. We're talking about arthritis now in america a worldwide but we're going to talk about america There's two different types of arthritis one. Which would be are a rheumatoid arthritis and other than there's the most common one which is called a or osteoarthritis. The difference is how do you know what the differences route or arthritis is in general. It's the general joint pain joint. Swelling red hot tender. That's one of the kind of claim to fames about. Why how do you know that. It's a rheumatoid arthritis. The most common one though is osteoarthritis and that one particular. It's not read. it's not hot. It's not swelling but it's a destruction of the joint. You start to lose the joints. They start full. Pardon me get into these. let's go back to. We'll talk about rheumatoid arthritis common but a lot of times it can start as rheumatoid arthritis and then break down into rheumatoid arthritis. So i'm sorry. Osteoarthritis rheumatoid arthritis worldwide research shows arthritis. Both of these arthritis is is went to infection No real earth writers would be infection at the joints not just inflammation and intestinal infection. I'm gonna into what types of infection. How infection can cause that also linked to poor diet especially consumption of hydrogenated oils and fried food. Yes is your diet. Lots of bad foods. Low ph deficient minerals if you take any condition in the world. It has a tracking to low minerals. If you don't have enough minerals your body especially when we get into immune system type of stuff your body ran out of minerals especially then get into the osteoarthritis is where did those minerals going if my minerals are shrinking and the joints are falling apart where those minerals going there being sucked out to be used as payment for paying the immune system and all of the things in the by low ph toxic gallbladder intestinal infection which will be back up a waste products into the liver and joints. We get into the chinese medicine the arctic. Which would be indian medicine. They all say it is too gallbladder. It is deliver the drills. These are the things but liver gallbladder of the top ones in terms of those are the organs that reflex to those things that protect your joints and when those organs breakdown then it starts to show up in the joint so she usually not starting in the joints. I it starts in somewhere else in body in in this your filters in also mentioned kidneys heavy metal exposure toxicity. Dental infection dental toxicity. The heavy metals can come a lot of from the dentals. But you you know. That's why a lot of comes. You see guys meant that work on cars and are exposed to lot of or pain to a lot of stuff. They will develop the arthritis and they'll say ads my job or i sit a lot. I'm a truck driver this or that you they blame it on these types of things when a lot of times it just a build up of toxins that year liver cannot filter out anymore and then it starts to leak into joints get a lot of problems in the joints common symptoms of.
Spill it, Sister! Reality TV recaps with Ally
"30 day" Discussed on Spill it, Sister! Reality TV recaps with Ally
"If you need a pregnancy pillow order it online like order ihms long or something. Like don't you're not going to be able to find out shopping. No most of the time you would think there would be some magical store that has all the pregnancy items you could ever need and good pregnancy clothes but alert. People that doesn't exist. You have to get all your shit online. If you're wondering there used to know not better. When i don't know people use like to go to malls. Maybe they sold you. I don't but it motherhood and two peas in a pod or those zone exists anymore. They would they would have pregnancy pillows and things like that in there and they were always like right next to each other rival rivalry each other like whoo who's gonna have the better stuff and so he probably could have gone there if that was still around. But sometimes babies r us but like toys r. us has gone now so there's not babies r us. There's nothing yeah there's even like at target. If you want to go get your prenatal if you wanna get morning sickness stuff like there's this tiny section has your little tiny selection of items. You have to get it all online. So don't even bother shane. Going out shopping pregnant stuff anymore. Do better learned my lesson get online. He should know by now. She should know by now with all our goods. Yeah i guess it's been a while since she's been pregnant. I think her youngest is what five five or six. Yeah yeah so. Let's move on to somebody. We hope we never see pregnant again. Sarah and michael please please please please. She says using protections so. I'm crossing my fingers she added. Michael hasn't been poking holes in the condoms. We'll see about that. There are still playing house and avionic comes in as sarah's doing her makeup and she puts lipstick on her being all q to trick us into a happy family. Yeah and she decides to walk down the hall and michael's packing his bags moment over. Where are you going just to see my family never. When has that ever been true. How many times he said. I'm going to see my family. Yeah and he ain't gonna see nobody's family. Help probably stay at his mom's house but that's not why he's going while i think he's fully you like not going to flint and go to miami. Oh you think so. I mean or maybe he goes to flint for two days and then spends the rest of the time in miami or the preview showed his mom. So that's why. I think that he really is going to flint. I just think that there's somebody over there so you think there's like some other chick. Yeah def i mean. Yeah and it's like it wouldn't be surprising with my. There's always going to be some other chick all i mean. There's rumors that he has another kid out there so this could be at he. Maybe he's not lie. Maybe is going to see his family. And it's just.
Spill it, Sister! Reality TV recaps with Ally
"30 day" Discussed on Spill it, Sister! Reality TV recaps with Ally
"I thought it was too. I thought it was like nine or like twelve right. I thought it was divisible by three in my brain needs to but only three are living with him right now and yana gets to meet them for the first time. And so do we because up into this point we had only met one of his daughters. I don't even know if it was the same daughter. It wasn't ernie was like sapphire or something one we met. Oh yeah yeah so. We get to see the three kids and you know. They seem like they're doing okay. For under the circumstances. I have to say they do. They seem kind of normal. I wonder what the moms are like. Who knows i mean to get involved with john. Yeah how normal counter really be. We meet sarah. Who is john's oldest daughter. That is living with him. I don't know if she's his oldest overall she's eighteen. She's off to college and she just sees right through all this. She says she didn't know about her. She on until they were already married and she thinks the last a year tops. Yeah and she's like. I give my dad's relationship a year talks like she didn't even qualify it with her being a wife right. He didn't even use christiane his name. Like fully she fully just de-legitimize the whole thing said she gives it a year. And i'm like honey. I'm right there with ya. Yeah i don't. I don't at all so they're sitting down eating a nice family meal and here come the waterworks. Oh my god. I mean it. In of course we already got their waterworks win. Christiana sees her mom again like they just they love the waterworks. And family and i was still encounter. Yeah it gets. It gets uncomfortable with the kids. They're like the kids are just steering. Like glazed over is like hills happening. Yes can i get the fried chicken please. Like i was just trying to eat them. Pop is wrong here for we. Do get a bombshell that we didn't know and christiana snow that she has a child who it avidly. What twenty twenty one by now Was taken from her now. He.
Relatable Stories with Rylan Banis
"30 day" Discussed on Relatable Stories with Rylan Banis
"Approximately sixty six. This do what did he get used to make a habit like. Nobody knows habit you. You were very frequently on the and and the sixty six number we did. The important factor forgetting is not all abets equal rights because different abets different amounts of discipline and the ball into the meeting marriage. These things be your home. If you have the post the way you are begin edited to go to the i forget the amount of the to move those bits but the movie main factor. That is what the fact is. Is that said you so that would be building in. Like walking as a habit is more difficult whereas really brigetti. Of course every mitigation on go in the visitors and bendix of but on the inside. It is difficult. Because i'm very anxious stressful. And all that stuff. So we'll get get. Don't get lost into these number. Twenty one days to build the habit sisters they go. This in the number of you is going to be different than other people. Because sometimes this wasn't so it won't take a minute. This wasn't big a difficult. The united state of living abbott for. You're you're working out because you lose. Where do you want to game. Which is the you'd like working on this so it will be difficult for you because you wondered. What does that make sense. It does not enjoy getting covid. Let's move on my experience with awesome. I'm going to list. The twenty is still there just to give you. Guys are doing at argue. I is go shells they used. I am a sucker for jobs. Then i want bonding on the is in part. Iii just warn the hardest water but recently. I've gotten to know that is a good way. Your skin it dries the moisture is gone late because showing so what i wanna share. Shift to go showers and bcs complete goldwater who wrote up. And it's been almost six months. That i started it all. It has done almost half a year at this point and having against them. When i don't mind because generalists enjoying the so this this activity so must ask me right because dearborn barnaby barnabus drive your skin and sober where the next activity that at the next one hundred push ups one hundred pushups right. I did a one minute. Equal doesn't push ups and elected more than weighted the miscellaneous information. But you're lucky because an died dedicated to this in this experience. A happy like three thousand. You'll find the bottom of the thing. This is being forced episode. I uploaded on this. So let's talk about that. It is caffeine gossiping. Mainly bobby and your energy of course blake and engineering. So my was all the love of him. Stop drinking for vibrant along the bbc. Yesterday on the last i was i was not the gig of almost four months. I want to love again persona. Know how much of it. But i just did not link coffee and again. It wasn't difficult for me to leave. Sarah again depends on you and the activity itself so yeah no. Caffeine was again easy for me. Let's talk about another habit of a habit other that it is. Hey what do you do in whatever happened to you thinking all of the things in your job you can young event which of the and that it is more but this is not something i wanted to get in the beginning of excite the bonus at an all time division is an oil thing but then raw janis the practice the habit this this land goes down and then you look like you wanted to do it. But so that's what happened. I i will tell you the pros in bonds and tell you you should. These are not well. It is actually doing this or something completely. Forget about the strike. Thirty days of winning social media nacional last last year alone or radian was completely social media. I cig vehicle and progressive was edited. It has exactly some comparing. And all that stuff i was on negative pointed and you did that most auto i decided. I just want to go through native muslim diplomat. I submitted social media for a year. I literally been touched in. Social media really wants it. Does this i use in for tasting right now. How that get more social and so i did not use admitted that s don't eat this isn't represented spoken about i think is one of the biggest absolutely platforms good medium. I went inside them as well. So i explain night episode. That experience using this as an instagram does have people who are in the working. Order this of to track your macro macaroni. The almighty we did what we did and so basically like of we know cutting without all that stuff so much proportionately you more or less than completely innocent as somebody right proportions overpaying now heads to the new lawyer v is bill a bill in we lose agents and what are we is all directed so the book there book i've been agents and this is is it's kind of dubious but i just don't do it with as last year and then fucker duties and get in the of habits that sort of me explain. This habit will be this that it is actually the my secret of our happens as better if i was jimmy loving taking much of what i thought too and have been literally writing every single item that has been in the last year. And i'm going to write in. My book is a suite with the. It's kind of journal again. Writing billionaire backing of your food. But you get the now. Let's talk about the one is you can understand. Medine back to your i. Well you better dish. Everybody wants to dismember. You can expedition s habit. Booed regularly for yours has become is higher. And so give you go like. I want to do this or that today. That seems like it or not. Because you have this go. You will give one hundred hundred and other times. It is who you are the person we decide the or to stop and realize is what would be it can help you design this is you are not without spent terms of getting spill minded benefits of duty. I feel if you. Brian door does an activity right like meditation was pushups. Vulgar eating at these. You will get the benefits. But still meditation and definitely the benefits negligible butler as homeless actually let radishes and even games like muslim beginning. Muslim takes almost months so the game. Though manifests the wendling visibility is negligible for the other stuff. Like reading and your discipline. Your voice shop begin. See the benefits and also your skin has become the reminded to go shopping reading books and all that stuff and then stop throw thirty days and this has been the sense that you got issues designed to sting something. You have had their discipline to stick to one with and give it a one hundred percent for thirty days without bias and buddhist activity just to complete. This is a challenge again. The and discipline completed salaries. The of the coin would be one of the biggest gorens and it is not enough to they said is not enough. Avid is about sixty six days. And i just have different habits. Where the time. So if you're thinking. I will do other activity and build that. It's very on that. It is not enough and letters. You're you're you're able to continue that habit indefinitely after that you start doing. It is because you have it do. It's very easy for you. See where your brain your mind and believe that it takes to build up your your billboard into believing nowadays and your body is not what it used to it. It's a blessing. Nordic the second one i would say being negative the benefits eligibility rose. So we think he injured taking being example. This walking on admonition this is very negligible. You have the black these activities for the activities of significant benefits but is one of the biggest sixty nine hundred savage for two months or three months. Now the banger. By the little folk. Sure you try it thirty days. And i will tell you i mean the pros will be already the going on it as heavy the i mean. You don't have much to dryness status privacy something better than nothing right and will you are building something. You're one hundred percent unitedly something at the end of the day so i will wonder you do right in order to build your favorite activity as your payment harvard. Because it is i was i. Is there a menu of and is it did love. It is actually. It is a mental. Was when billy habits. Bidding adopt procedures for some of us were amounts of when they want to build the habit valley probably begin beverly begin by looming and basically get stuck in palace. And if you do we start doing the this not airport. There's no progress checking you will do it indefinitely your policy but having a sharp bureau later twenty days is enough for you to understand. I can produce. It's a month right. It's four weeks. So that is my feeling achieve beneficial so sometimes up to begin followed the ones that i did and i know you enjoyed this episode. And i know that you will of whom what's more episodes like this. Link your wife more like this athletes. i wasn't and with that being said.
Clark Howard Show
"30 day" Discussed on Clark Howard Show
"Owing to tell you something. I was driving down a freeway. And i saw a billboard then that was like right it was a billboard for carmax and it said that carmax was giving you a thirty day to return vehicle for a refund. After you buy it. I was like was some kind of market test. Or what is this. So i get on car max website and it's the real deal bay facing a lot of pressure from carbon have really had to step up their game and now they're doing touchless deliveries and all this kind of stuff. Stead a carmax is original business model. Which was where you went to these giant parking lots and you went around with the salesperson and you would run around in a short test drive and all that so now. They're really trying to respond to the marketplace and carmax now is doing twenty four hour test drives which gives them a real leg-up on their archrival. Karvina where you no obligation you can test drive a vehicle for a full twenty four hour period and that fits if you think about something. I've talked about for the last. Oh i don't know twenty five years there when there is a model maker model. You're interested in that you go rent that car for a weekend or suv or whatever to really experience it which you can learn so much more than you can from ten minute test. Strive well carmax pay. You can go test drive a vehicle for a full day and then if you do buy it then you've got that month to decide whether or not you like it or not and if you don't as long as you don't go over the miles they allow you to go and stuff like that you just take it back. And say hey. This was nice not for me. And you're done. And what i love about what's happening in the dynamic part of the us vehicle market is it's all about focusing on what the customer wants and eliminating pain points carbonneau. Which i mentioned is one of the fastest growing companies in the united states and they keep losing money apparently but they are all about market share and the us vehicle market very heavily oriented toward selling used vehicles to people under age. Forty who buy a vehicle right on their smartphone and finance it if they want right on their smartphone and then you can go to these gimmicky. <hes> vending machines if you live in a part of the are you've seen the vending machines. They locate them on high traffic. Carter's usually by interstates and you go in. And you put the special token in there and the vehicle comes down an elevator and you get in it and you drive away and so it's pretty crazy. You also have the right to return a carbon vehicle for seven days and what's happening in the us. Vehicle market is the market share of traditional dealers who play the rough and tumble games and second. You leave the what you're stuck with. A piece of garbage used vehicle would no right to return and all that they are steadily. Losing market share to <hes>. The car maxes and carbon and the imitators of the two of them that are popping up around the country. I was very disappointed. In one of the large traditional dealer. Groups is now opening their version of a supposedly customer-friendly us vehicle lot in more and more cities particularly around the south and the west. And they don't give the customer friendly things of clear pricing the right to return for a full refund for all all of that and so traditions die hard and industries but when you buy a used vehicle know that still even though these players that are customer friendly or the fast growing ones most used vehicles are still sold in the hostile anti consumer environment of their traditional used vehicle market. Be careful but i don't care where you buy your used vehicle. I want you to have it out by a mechanic of your choosing with a seller. Who allows you a right to return for a period of time for a full refund. When you're when you have that vehicle in your possession have it checked out during that time. If you're buying one from a traditional anti consumer dealer either a new car dealers used car that sandy consumer or a used car lot that sandy consumer you need as part of a condition of purchase to check out that van and have the vehicle checked out by mechanic prior to your commitment to buying a dealer will not agree to those conditions. They got something to hide. And that's not where you buy your vehicle.
Status Go
"30 day" Discussed on Status Go
"That was that was really difficult because i had a hard time figuring out. How do i behave in this role as the leader of this team now and not just appear. Yeah so i mean that was. That was a challenge. And then i think the anxiety of now being appear to the people that were my superiors which did not last very long..