20 Burst results for "Smallwood"
"smallwood" Discussed on Rotated Views
"That's <Speech_Male> <Speech_Music_Male> <SpeakerChange> <Advertisement> <hes> <Speech_Male> oil money to <Speech_Male> the moon. That's <Speech_Male> a nonprofit organization. <Speech_Male> Check us <Speech_Male> out. We have a lot of community. <Speech_Male> Where coming up <Speech_Male> tomorrow. We'll be at <Speech_Male> liberty <Speech_Male> baptist church in <Speech_Male> lisbeth <Speech_Male> new jersey any <Speech_Male> hidden turkeys to <Speech_Male> <Speech_Male> so yes <Speech_Male> on t. tm. <Speech_Male> <Speech_Music_Male> Chris smallwood <Speech_Music_Male> would have <Speech_Male> <Speech_Male> <Speech_Male> A boss man small <Speech_Male> six. You <Speech_Male> know you're going to see a whole bunch of <Speech_Music_Male> families <Speech_Music_Male> <Speech_Male> nevin on <Speech_Male> there. I'm not <Speech_Male> really an internet guy <Speech_Male> kind <SpeakerChange> of kiss me on <Speech_Male> <Advertisement> my grind a little bit. <Speech_Male> <Advertisement> So so <Speech_Male> <Advertisement> what's how <Speech_Male> <Advertisement> can people listen to your <Speech_Male> podcast. Where's that <Speech_Male> <Speech_Male> is fully. Pointed you podcast. <Speech_Male> I'm <Speech_Male> <hes> anchor <Speech_Male> are subscribe <Speech_Male> anywhere you know <Speech_Music_Male> <Speech_Music_Male> and and <Speech_Music_Male> <Speech_Male> you know <Speech_Male> i <Speech_Male> recently but you go <Speech_Male> back to the beginning when <Speech_Male> if you wanna laugh <Speech_Male> gotta hold out of funny <Speech_Male> if you'd like to laugh <Speech_Male> and you know you got <Speech_Male> a friend you wanna <Speech_Male> be like you know <Speech_Male> just like friends <Speech_Male> growing up in <Speech_Male> the same <Speech_Male> a lot of <SpeakerChange> things coming <Speech_Male> for next year to the <Speech_Music_Male> i see <Speech_Music_Male> <Advertisement> him at the prom <Speech_Music_Male> the prime <Speech_Music_Male> and <Speech_Music_Male> <Speech_Male> seeking <Speech_Music_Male> here <Speech_Music_Male> <Speech_Music_Male> <Speech_Music_Male> <Speech_Music_Male> on <Speech_Male> <SpeakerChange> <Speech_Male> <Speech_Male> that's awesome <Speech_Male> so we'll wrap things <Speech_Male> up with quotes <Speech_Male> in the first one is by <Speech_Male> virat kohli <Speech_Male> self belief <Speech_Male> and hard work will <Speech_Male> always earn you success <Speech_Male> the second <Speech_Male> one by benjamin <Speech_Male> disraeli. The <Speech_Male> secret of success <Speech_Male> is the consistency <Speech_Male> of purpose <Speech_Male> philly <Speech_Male> point of view. And it's episode. <Speech_Male> We have special guest <Speech_Male> chris. Smallwood <Speech_Music_Male> <Advertisement> don washington <Speech_Music_Male> and trae hall. <Speech_Music_Male> <Advertisement> The crew <Speech_Male> <Advertisement> covers topics from <Speech_Male> comedy side. <Speech_Male> <Advertisement> Hustles <SpeakerChange> chasing <Speech_Male> <Advertisement> dreams the city of philadelphia. <Speech_Male> Much more <Speech_Male> <Advertisement> we wrap the <Speech_Male> <Advertisement> episode up <SpeakerChange> with quotes <Speech_Music_Male> <Advertisement> from very <Speech_Music_Male> <Advertisement> coli and <Speech_Music_Male> <Advertisement> benjamin disraeli. <Speech_Music_Male> <Advertisement> <Speech_Music_Male> <Advertisement> Awesome <Speech_Music_Male> <Advertisement> guys thanks <Speech_Music_Male> <Advertisement> again
Hackers Behind Colonial Pipeline Attack Reportedly Received $90 Million
"De dos. Attacks are back stronger than ever. According to recent annual reports from different content delivery networks and de dos mitigation providers. Twenty twenty was a record breaking year for diaz attacks both number of attacks as well as size of attacks and the number of attack. Vectors used according to accommodate this resurgence likely driven by the covid. Nineteen pandemic lockdown. Saw three of the six biggest volume metric diaz attacks in history during february and more attacks that exceeded fifty gigabits in the first three months of twenty twenty one than the whole of two thousand nineteen the company estimates that attacks over fifty gigabits per second can take down most online services. That don't have antidotes. Mitigation proof of concept exploit released for warm -able windows vulnerability the floor tracked. See twenty twenty one three one one six six and rated critical severity was discovered internally by microsoft and was patched as part of its may twenty twenty one patch tuesday updates it affects the atp protocol stack http dot sis and does not require authentication or user interaction it also the impacts recent versions of windows ten and windows server researcher axel suchet announced the release of a proof of concept exploit last weekend however his exploit does not achieve remote code execution it shows simply how an attacker can leverage the floor to cause a denial of service condition on the targeted system. By sending it specially crafted packets tech audits of colonial pipeline glaring problems in twenty eighteen. An outside audit conducted. Three years ago found atrocious information management practices and a patchwork of poorly connected and secured systems according to the associated press consultant robert f smallwood stated in his eighty nine page report in january twenty eighteen. After a six month audit quote. An eighth grader could have hacked into that system. End quote colonial said wednesday that since two thousand seventeen it has hired four independent firms for cyber security risk assessments and increased its overall. It spending by more than fifty percent although it would neither specify an amount nor identify the firms involved in a brief follow up to the ongoing colonial story. It's internal server that runs the communication system that shippers used to track fuel shipments experienced intermittent disruptions yesterday colonial blamed this on quote hardening efforts that are ongoing and part of a restoration process saying further. These issues were not related to the ransomware or any type of reinfection end quote
"smallwood" Discussed on The Product Experience
"I mean there's just this classic warning signs that people are just not on board right and but that can be because they are potentially notice. You're not that next level person or it could be that. No one's really explained it to them. So that's the other pause. Was a manager going manager managing attain. That's going through a transition from a series beta series say Let's call it a up to a scale up then. Talking about what is going to change is really really important. And i think we forget about that. A senior late is that we're very close to the new institutional investors and the expectations of coming down the pipeline on financial reporting and we our world changing too right. But they're changing right in front of us whereas we've got this whole engine of our organization behind us and they need to hear to. They need to understand that things are changing and he from ladies that have been with them on that journey that hey things are changing and i need to learn new things too. But i'm here. I wanna do this. I believe in our mission. And i'm going to have to learn how to do things a little bit differently and i can do it with your help and you can do it with my help. And that gives a path for people to understand that it will be different but that might be okay all they might think you know what i really like what i'm doing. I like having multiple tilak being a part of that. And then i'm a big believer in helping those people find the right role in ecosystem because then we get more companies that Get to successful seriously. So we've talked about the huge change that you can go through in in these different stages as an organization Everything in how the strategy changes each different level and communications really important and gets more important as the company grows. So how do you communicate to strategy across the organization..
"smallwood" Discussed on The Product Experience
"I often an excites me right. I mean it's an incredible opportunity to be able to take a product that is already incredibly successful and really make exploited across the globe. Like that is something that don't come to identify with me. I'm incredibly boring But it is often be jumped from where people's brains at at the time and so two that that. That's why i say that stat between series bayan series say so critical and having people that have have done it before on. Your team is also a really really smart thing to do because otherwise you make all the same mistakes which is that you either have a players from series bay who are probably trying really hard to get there as fast as possible like okay like. How do we need to change. What got us to here won't get us to their a. k. But you can't really she's brain gear that fast. It doesn't doesn't work like that. And then you have some people that come in at that stage black myself and potentially they elect. I know where we're going. Get on the highway. Let's guy and it's very difficult for people to shift the shift gear that fast and so you need to be patient you also you can. You can have a plan but you need to work out. What people can absorb effectively at any one point in time. And what are the immediate problems that you need to solve Because if you sold them now that will be bigger problems to solve in the future. Oh and what a problems that you can actually hold for a little bit. Even you potentially have ideas on how you can solve those problems. You won't be effective in those solutions. If you try and do everything once and i learned that the hard way at times i've been in in tames there was not a lot of management people need a manager when you're going through this amount of change and if you don't have the people there who they can trust and rely on at least when they talked to.
"smallwood" Discussed on The Product Experience
"The product conference in december and When i was asked to speak. I wanted to talk about something in the leadership tracked and i wanted to talk about something that people could use and i think i've read all the books i and i love all the books and have a pile of them on my desk but one of the things i noticed when i went into earliest stage companies and with more inexperienced product manager potentially was that there was a dogmatic belief in a particular way of doing something so that they read a book and they might not that they run come show their books but they kind of picked a model and they wanted to know what we should do it this way because that's what it says And one of the things i've learned. Maybe it's because. I worked in lots of different cultures and that doesn't work when a guy from a chinese coach to coach But i lack the tools but before you apply the tool you need to assess the situation to work out what tools. Aw what systems or what processes. If any you need in that particular situation and so i liked to check on a kind of sweet acronym which is code schiff. Maybe it's because it's like you're cooking. Leadership is a bit like cooking but the s stands with status like what's the status in going into a role or an organization like check the status of things. What is how is it going. What does it feel lack. Where the things you can generally sense quite quickly. What the status of the situation is and then once you've got that status you look at the history because the status is most likely a result of the historical effects and it might be in alien the company they used a white label solution that was really limited and then they had to build some features really quickly hacked onto the white label solution. So you've got the history of technology you will say. He's g of the people in the organization. I spoke to a company a while ago. That said they had a head of product a year ago and that person like completely missed everything up. They're all still recovering from from that person being there and i was like. Oh god like that changes. Then how you talk to. The product manages how you talk to the rest of the organization. The next is the existing game. So i won't game is the is the company or the product or the people. What game are they playing right. And as those games that we know you like playing the monetization game of a playing freemium game They might be playing the white label game. Or maybe they playing the consulting game you will all gone into companies whether it's full of ex consultants and the information can is it easy. Looks different feels different to companies. That don't have that many ex consultants in it and working that out and then looking at the future and what is coming. Where do you wanna go..
"smallwood" Discussed on The Product Experience
"I think look one of the challenges that we face as a just society in general and certainly in the banking industry i noticed this really strongly. Is that consumers a changing at a foster right than they ever have ever in history and of course we're feeding that by instant everything but technology potentially can keep up but humans kant. So what's really interesting is that we are trying to operate at a pace which is not sustainable. And i think when. I say that i think. Oh god should i say that but but it's an important thing to acknowledge because we need to find a way to be able to make it sustainable and that might mean that different teams are operating at peak at any one point in time and you're moving the responsibility and accountability around people and humans run at sprint pace for a marathon. It's not possible. And and one of the things. I tend to use really stupid analogy. So i'll apologize for that but you know when you'll in be and series a everything is a sprint right. It's a fifty eight sprint to the. Mvp is a hundred meter. Sprint to this. It's a and then you get to siri say and you can still make them hundred hundred and two mehta. Two hundred major sprints but can't ask them to finish stand up and do it again and finish. Stand up and do it again. You need to to work out that okay. We're gonna run a columbia here. I didn't that might be your eighteen month plan. And that means that we're gonna to do five. Two hundred major sprints. I what are those five hundred sprint. Gonna be and who do we need in each of them and that kind of planning can really help. Because you can't have the same person even the stop of star rana running every sprint. You'll you'll kill them. They'll rave no one can operate at that speed..
"smallwood" Discussed on The Product Experience
"Being able to keep people aligned and end all going in the same direction is is very very difficult at because it's it's very different to how you communicate before and what was probably quite natural in the earliest stages you owe completely on the same page. You potentially had less diversity in the organization and you really. Everyone was just on the same page all the time. Because you're always talking always chatting always working together and as you get bigger and bigger can only have so many close relationships in sorry it happens across functions as well not only in in tames that once the product manager would speak to the marketing lead off sleet and they were the people that they interacted with the moist and then time goes on and all of a sudden. This full pm's working in the domain and they need to talk to those other three pm's every day and so they don't talk to the ops manager as often anymore or the the marketing manager. And so they don't know what's going on and that's when you start to say silos develop and people making decisions independent of each other because we only hire smart people who make false decisions. But if they don't have all the information they going to make decisions potentially a different other decisions being made in the organization so complexity in decision alignment. That's one of the big things to end guessing. Something i've seen in large organizations. You don't understand the second third or ninth order effects of a decision you're making and you don't have the time to check with everybody. Is that one of the things. You're talking about fisher. And and sorry the model of having just a product bandages who super driven super smart. Getting done still need those people. But you also need other roles as well and that can be difficult to because often the people that were instrumental in series. I series bay. Those stills aunt necessarily the skills that you need to high out in say. it doesn't mean you don't need them anymore you do. They're incredibly important. But the either perception that management positions assane as a more important than other positions in that can be difficult to traverse in this stage. Because you've got people that have pulled their heart and soul and have completely built the core of of the organization And you need to develop them into the latest. I most definitely can become but you might not have the time to do it as fast as you need the leadership so you need to kind of paralyze training and coaching of the people that you have in the organization with bringing some talent in Things up it sounds like such a tricky balance leader. I wonder from a an employee going through that stage as well as i imagine. Kind of just everything getting like a lot more work going on as you were when as you just move today. Urban will people to speak to. And then you get that funding round and it's kind of like maybe a bit of relief of like we hit our targets. We did all this things we rent today. Now we've got funding but now we've got highlights when people so it's more kids. It's like a slightly so if like never ending cycle doesn't just changes sarah said. Is there a way of kind of staying sane throughout pressure into in kind of constant change sanity left my sanity back about a decade..
"smallwood" Discussed on The Product Experience
"So being a the top of the t shaped skills to really the bottom. The the base of the tail right going deep. You want experts you. You want deep expertise in functions. So that's when you look at your pricing system. You want an expert in pricing to make sure that you have got the best pricing model for the global ambition that you have That's when you get experts in different functions and a. That's a really big change from people wearing ten hats of different roles and drive being the thing that gets it done And often it happens really quickly because you start hiring those experts and if you haven't managed the expectations of the organization will it will be quite a shock for people to say. Well i can do that and you can say well. It's not that. I don't think that you can do it. It's just that we're shifting and we want someone to be dedicated to this particular topic and and that can be quite hard for organizations culturally a really wanna talk to you about the type of leadership challenges that you have at different levels but before we talk about the product people that you bring in so you might start hiring you probably the first product person in series. You might start bringing one or two more rounded be. What are you looking for. In the type of people you would hire as as product managers in the level versus. What you'd be looking to optimize for at says rec- company so in series in bay. You're looking for super hands on getting really work. getting done. product manages right end really things like documentation of it or the communication of what you're doing is a secondary to just getting it done As you go from series to series say product leadership becomes incredibly important. Because you're growing the organization quite fast in theory and communication becomes the biggest block of everything in the organization because what was once an old hands where he sat around. The kitchen table is now. Multiple offices potentially multiple countries timezones cultures and the flow of communication and.
"smallwood" Discussed on The Product Experience
"Cost. It's very lovely. Have you hear and amd before. We get kicked off into our topic of the day. It be great if you could give us a really quick intro Here you on what you are doing in products in how you got to where you are. I'd love to lily. Thinks having made i. i'm georgie. I am an australian. He lives in berlin. Which is a very long story which we can say for a different podcast. I've been in. I guess you'd call them tech companies for about thirteen years Ended up there by accident. Yielded because the detainees agree tech companies. Like this random dragon over there that everyone had to take a big risk to jump into. But once i got there. The environment of tech companies and the speed and the the creativity in the creation really hooked me and sorry industry directed a company called real estate dot com today. you which Grew massively while i was there and as part of that company as well. I got opportunity to work in hong kong on the chinese business which was amazing but completely different from working in the same company in australia on so when i land in australia was that i love the environment in this creation and really building. Something that can add value to someone's life and in hong kong. I realized that to do that successfully. You couldn't just replicate and replicate. It was different because of the team. It was different because of the consumers what they wanted how. They consumed information After hong kong went to germany for the first time and i worked on the ip of scout twenty four which again was another cultural experience. Because i don't think you could pick three more cultural controlling entrees than the australia. Hong kong and jimmy. And you really having. That is my third big experience. You really have to reinvent it every time and you could use the same the same same principles in the same tools but you couldn't execute the same way because it didn't deliver the same results you had to work out. What was the outcome that you were trying to shave. And then work out what bits he needed. And how you would get there with with the pieces that you had at the time and at the time it was different depending on the culture that operating and so from there. I've done a couple of different things. I've bounced around the world and landed back in in billion about three years ago working within twenty six as apo. i was responsible for the strategy. End making sure that we drove really the financial sector to a place thought about the consumer first and that was really big thing for the banking sector and from twenty six in the amazing experience that i had that i knew that that's what i wanted to do. I wanted to be in companies that were really the pointy edge of the soul like the pioneer products..
"smallwood" Discussed on 710 WOR
"Show every weekend on WR 7:10, A.m. Saturdays and Sundays at nine. We're talking to Senior wealth advisor John Smallwood. We're talking about why families lose their wealth and succeeding generations. Would you say, John? It's something you made me think about. The first generation knows that failure is a part of success. And for some reason, the first generation Wants to prevent the second from scraping their knee. Could that be the reason? Yeah. I mean, you see it with so many parents today, you know, hovering over there over the kids, not letting them fall, not letting them script. Your knees. I mean, there's a lot of there's so many different aspects of this, and I think there is that. You know, I've failed, so I don't want you to sell. You should learn from the lessons that I have right And you know we're better than that. And the reality success comes with failure. You You can't have success without failure. And I think my song and I worked together for 25 years and his biggest thing was about Failure. It was ground till you're gonna help. We're in a hell of a lot more than you would learn. You know if you had success, and it's in that failure Yeah, well, you become better if you're ready for Now your father. I love your father. So what was the what was the greatest lesson? We talked about your father last time. But what was the greatest lesson your dad? Talk to you about wealth. Mommy, you know when we weigh started to do it, the thing that we saw so many times that he has his client that he had for 2030 years accumulated not a lot of income Million's about $100,000 a year guy created $2 million and we would see Family inherit that money. Begun. In three or four years. I mean, it took 50 years since 60 years to accumulate it was gone and and a lot of times it was due to just pour. Linda Rhee of the Funks meeting. How am I Get Inherit? This money is going to get destroyed by inheritance path isn't going to you know, as you talked about before the creditors, right? I've seen so many people. Inherit money at a time when it's really not appropriate, meaning there's a business predator hanging out over that. There's a divorce there, Same studio, you know, accident that happened and you're getting sued and a trust or a distribution from a wealthy though, Give it out, right. To the person. All right. Very good moment. The creditors were there to pick it up and take it and you know it. What we would have told me is you don't know the circumstances in which you know Death is going to occur or passing that welcome. You know, how do you protect it? So that That after protection is eternal, and it passes from one generation to the next generation, because sometimes it's just, you know, bad luck. Uh, you know, and you know, his position was always You don't know what the act is gonna be. You don't know where you're going to be. You don't know what the future holds. You don't know what the tax forms are going to change. You don't know if you don't know right, so put as much protection. Around your wealth as you possibly can. Do that. If things go wrong, you got backups. You've got redundancies. You've got things that should help you through this. And make sure the coast is clear. And, you know, you know people ignore that people ignore. I mean, I have so many states that have been working with over the last 23 years where You know, people die in their nineties and they're not coming into the office. The kids and there's no protection it just coming directly to them. People are getting divorces. He has a comment, saying that people Don't really understand Is that they, you know, inherited money. Technically, not come, Ingles. Is not subject to equitable distribution in most things, right, but the income derives from it. It's factored into an alimony or hell money calculation. So in essence, it gets pierced because it wasn't put in the proper structure. I mean, there's so right right now We're at a point in our careers, you know, mind over 30 years. What yours. 20. Now try pop. Yeah, I can't believe I've been Doing this for a while, man. You're like an old man now in the business, But the idea here is that we're at a point where Do you have to get a clear and accurate picture of where you were in the last 12? Months? Where am I right now? And there's this No information that doubt that things were going to change. Like you talked about the $2000 stimulus checks. Okay for that, right where they're gonna come from. We need to take action right now. You. I understand. What impact These tax laws could have on our wealth. Should we made gift to trust? Should we kick things into trust? Should we hear change the beneficiaries on our assets from individually to trust to not to trust you. We changed the ownership of assets, and that's the thing that people have a lot of money. But they don't have the ownership in the beneficiary designations. You know, I think you and I worked on a case years and years ago where the client it spent 15 20,000 on getting his rules and trust done. Not a single asset had been changed..
"smallwood" Discussed on Five Minute Feng Shui
"So keep the portion of your house this. The center portion of your house is open as possible. So the benefits of the six car star can flow through out the house Now let's talk about this talk about the most important funkaway. This is always protective function. We always want to make sure that we practice this part of punctuate ahead of all the fun way which is activating for money and love and that kind of thing. We handle all the difficult energies first and foremost and then we can move onto the french way and activate for opportunity for money for relationships for fame all the funds. Way that we like right. So let's talk about in this part. This is part one. we're gonna be talking about misfortune stars and let's get that out of the way in first up to bat is at old five yellow This is one of the energies that is the most disliked and it is moving from the east and twenty twenty to the southeast. Now the southeast is the corner of assets investments savings. A wealth is how it's best known. This is where all your retirement savings are investment accounts. Not your income. Not your job not your salary to different types of money. Now when it comes to these stars we always look at the five yellow. I because it has the potential to be the most damaging and of all those stars. It's the five yellow that creates the most distress. It's an earth element star. That's most at home in the center of your home or business. Its nickname is the bone breaker. So that gives you a difficult clue. How difficult it can be because it actually has broken bones in fact for my mother. Two times When that star has landed at her door and this year the five yellow star gains more strength as it moves from the big wood of the east and twenty twenty where it's sad to an it slips into the southeast corner of smallwood in in two thousand twenty one. It doesn't the southeast doesn't have a can't fight that five yellow as much as the east could now the southeast again like i said is the while sickener so it should make some alarm bells. Go off for you. The southeast deals mostly as i said like accumulated assets like your 401k stocks and bonds a savings account. Because it's in the wealth corner. This is a good idea to watch your investments closely and avoid doing anything risky with your nest egg if you haven't done any type of investments before and you wanna do it this year. Just be very cautious. Do your due diligence work with a plan or find someone you feel very secured about and that comes with great references and And if anything feels funny to you or doesn't feel right to you don't do it. Just take steps to ensure that your investments and savings or.
"smallwood" Discussed on Biz Talk Radio
"And joining us today is president of Smallwood Wealth Management and author. It's your Wells, Keep it the definitive Guide to growing Protecting, enjoying and passing on your wells and welcome back John John Smallwood. What about those that are Losing their jobs or have lost their jobs. What advice do you give to them right now, During these strange times that we're in With a volatile market and Politics is 50 50, who knows how this is all going to unfold? And here we are stuck in the middle. Literally stuck in the middle of the middle. That and the interests on coming back from the break under pressure. Very good. Um, people that are gonna have a lot of pressure at this point and The key. I think that you have to do is you have to look at What is? Where are you right now? From a cash position. How much money do you have in the bank? Are you going to receive unemployment? Are you not? Are your investment in a way that you have access to them. Are they liquid? If you don't get back to work soon enough, should you increase your cash positions, and that's something that most people don't have enough of liquid available. Cash. Yeah, You know, we we look for six months of annual income, which is very hard for most people, because you know, as you start to save people, you know things break down. We had a conversation about the dishwasher. Right Breaking down. Yeah. Right. So one of the things that I know are breaking down. Yeah, I heard that. I've heard. This is the biggest The most Used cars sold. In a decade and a half this year so far. There. There's very few, very few use cars on the market right now, because they're they're just gobbled up. Just gobbled up the minute they come on the market they're taken because people do not want to buy new cars right now. They just want to buy used cars, and they don't want to go on the subways. And people that were doing the subway or doing alternative transportation are not doing that anymore. Right? Correct that. All of these things, um, are playing into different areas. Even the boat market. Youse both in the new boat market, boat sales are up dramatically the best year ever for both. You know which flies in the face of the conventional thinking, right? So somebody? Yeah. Somebody it's recently unemployed. You know, we have the technology now where you can do linked in and all these things and get out there. But the problem is it Cos they're downsizing inside wasting themselves and Realizing we don't need as much real estate. We don't need as much of this to do that We could do teams with the technology. You have to look at your current set of skills also and make a determination. Do I have enough skills to get that temporary job or that new replacement job And maybe a use of some of this extra money that I'm receiving from? Unemployment should be invested back in myself in the form of training, taking some online classes. Doing something that can bring my my level of contribution up and a lot of jobs. They're gone. You know, they weren't here. A were here and now they're not here. It really depends on where you are. What part of the world that you're into what part of of the United States were saying? Ooh! Areas where there isn't any impact of the virus shut down, and we're seeing areas where there is viruses there opened and everything in between. Um, my position is that You have to. This is a point where you have to reinvent yourself. So many people are tired of working. Awful. They hate their job. This is Not a time to get out of a job. But it's time maybe re right where you do work. And and I was having a conversation with a doctor who yesterday and You have to be in right now. A lot of different from a lot of different areas and the ideas the DEA slow down. Or do you retire? I think the slowdown you know, don't work is hard but make less money. It's a better thing than a fast stop for a lot of people. Most people aren't equipped for retired. They get bored really quickly. I have enough hobbies and hobbies take money, So you know it's it's a conversation that If you're out there and you're recently unemployed or your spouse is unemployed. This is a point where you need to go through. All your creditors and come up with hay. Can I delay payment for 23 months? What's that impact on my credit score? Do I have enough cash and I've raised him Should I use some of the You in the news on the new Cares Act. There were opportunities to which raw money from IRA where you wouldn't get tax and penalized in this county. Three years have 2 to 3 years to pay it back. These are things that you need to understand. Do they apply and should I take advantage of them? Even for a one can too. You are Do you think that we will be seeing more stimulus money? Do you think that they will open up the for more loans and the P p p for for more money, or do you think we're done for right now? I think they.
"smallwood" Discussed on Biz Talk Radio
"Smallwood Wealth Management and author. It's your Wells Keep it the definitive Guide to growing Protecting, enjoying and passing on your wealth and welcome back John John Smallwood. What about those that are Losing their jobs or have lost their jobs. What advice do you give to them right now, During these strange times that we're in With a volatile market and I have Politics is 50 50, who knows how this is all going to unfold, And here we are stuck in the middle. Literally stuck in the middle second, the middle's in it that in the interests on coming back from the break under pressure, very good song. People that are gonna have a lot of pressure at this point and The key. I think that you have to do is you have to look at What is? Where are you right now? From a cash position. How much money do you have in the bank? Are you going to receive unemployment? Are you not? Um are your investments In a way that you have access to them. Are they liquid? If you don't get back to work soon enough, should you increase your cash positions, and that's something that most people don't have enough of his liquid. Available cash. You know, we we look for six months of annual income, which is very hard for most people, because You know, As you start to save people, things break down. We had a conversation about the dishwasher. Right Breaking down. Yeah. Right. So one of the things that I know are breaking down. Yeah, I heard that. I've heard. This is the biggest the the most. Used cars sold. In a decade and a half this year so far. There. There's very few, very few used cars on the market right now, because they're they're just gobbled up. Just gobbled up the minute they come on the market. They're taken. Because people do not want to buy new cars right now. They just want to buy used cars, and they don't want to go on the subways and people that were doing the subway or doing alternative transportation are not doing that anymore. Correct. Correct, And that's all of these things are playing into different areas. Even the boat market. Youse both in the new boat market sales are up dramatically the best year ever for both. You know which flies in the face of the conventional thinking, right? So you somebody, somebody that's recently unemployed. You know, we have the technology now where you can do link in and all these things and get out there. But the problem is, if cos they're downsizing in sideways in themselves, and Realizing we don't need as much real estate. We don't need as much of this to do that we could do teams with the technology is you have to look at your current set of skills also and make a determination. Do I have enough skills to get that temporary job or that new replacement job And maybe a use of some of this extra money that I'm receiving from? Unemployment should be invested back in myself in the form of training, taking some online classes. Doing something that can bring my my level of contribution up and a lot of jobs. They're gone. You know, they weren't here. A were here and now they're not here. It really depends on where you are. What part of the world that you're into what part of of the United States were saying? To areas where there isn't any impact on the virus shut down, and we're seeing areas where there is viruses there opened and everything in between. My position is that You have to. This is a point where you have to reinvent yourself. So many people are tired of working. Also, they hate their jobs, and this is Not a time to get out of a job, but it's time to maybe reach right where you do work. And and I was having a conversation with a doctor who yesterday and You have to be about right now, A lot of different from a lot of different areas, and the idea is the you know the slow down Or do you retire? I think the slowdown you know, don't work is hard but make less money is better thing than a fast, you know, stop for a lot of people. Most people aren't equipped for retirement. They get bored really quickly. I have enough hobbies and hobbies take money, So you know it's it's a conversation that if you're out there and you're recently unemployed or your spouse is unemployed. This is a point where you need to go through all your creditors and come up with hay. Can I delay payment for 23 months? What's that impact on my credit score? Do I have enough cash and I raised him, Jack should I used some of the you know, in the news on the new Cares Act, there were opportunities to which raw Money from IRAs where you wouldn't get taxed and penalized in this county. Three years have 2 to 3 years to pay fact. These are things that you need to understand. Do they apply and should I take advantage of them? Even for a one can to use our Are up. Do you think that we will be seeing more stimulus money? Do you think that they will open up the for more loans and the P p p for for more money, or do you think we're done for right now? I think they they have to open these. Um and I think they have to change the criteria you know, back in March in April, when we first started applying for all these loans, it was any business under certain size. I think now this next round, I think the key to the next round is businesses that are really struggling there down 2030% in gross revenue and arm or someone there down 90%. They need the additional PPP, But when they take the PPP or the idea they need to get people back up off of unemployment back on to the ranks, and that's been a very difficult thing for a lot of people because they were making so much more. On the unemployment right so, but the openings also have to be such that in New Jersey. We just have indoor dining on Friday of last week. 25 wound in so many restaurants are dying because you you have you don't have the proper hour. I know I have Nails. They closed the street. They've closed the street here in Boston, right in my neighborhood. And you know, it's been really hot and warm in and not very rainy, and they've been very lucky. And there are actual restaurants that are building igloos plastic igloo so that you can go in in the cold weather in need. Crazy. You're in an egg with what's the difference? You're inside. You're in England or you're just you're in..
"smallwood" Discussed on 600 WREC
"You know the debt structure right now where the interest rates are. It's a tremendous opportunity to restructure the debt. But if you're out of work, you can't necessarily get that done. Um So you have to have some. You have to be looking at every aspect of what you do on a daily basis. And what can I reduce? What can I What can I get rid of? I mean, you you talked about the stream. You talked about the credit cards. How many streaming services that we all now right and how many. I mean everything everything in this world. There's ways, you know, And I've also heard, you know, you've got to consider changing career paths or at least jobs for now, because there are some businesses and corporations. They're doing quite well, even even though we're going through these tough times that are hiring, so maybe you got to come out of the mindset that I've got to stay in the field. I'm in and look at what can produce income for you this week. Great. That's a great point. I mean, the skill set that we have. If you have a you know if you understand technology basic applications. And you understand how to communicate with people. You can go into any field now, and there's so many fields that are going to be new men with a Koven, 19 and and everything that's going to come out of this all the all the ripple effects. There's more customer service jobs, There's Mohr Bill. You know, there's more availability of jobs in that space that we've ever seen. And I think that's something that we have to be willing to. Maybe our old career is no longer viable and I need to go down. Another thing taken advantage off doing some training. Get some college courses, some online courses, you know, take yourself. Absolutely. There are other options. There's no doubt about that. No doubt about it. Well, John, I appreciate you this morning, John Smallwood with Smallwood Fella. Wealth Management on Cem Cem. Great. Oops! Force and ideas on get through these financially pressured times were in. Thank you, John..
Kathryn Sophia Belle
"I'm India Lorrie Wilmot. And you're listening to the PODCAST TALKING. Journeys out belonging to blackness. Joining us today is Dr Catherine Sophia Bell. Catherine is associate professor of philosophy at Penn State with research and teaching interests in African American Afrikaner Philosophy African American Studies African Diaspora studies lack feminist philosophy and critical philosophy of race. She's an author. Co Founding Editor of the Journal Critical Philosophy of race a certified Yoga instructor in founding director in owner of La Belle. Be Coaching which Offers Executive Academic coaching workshops and retreats for administrators faculty and Graduate Students. Catherine also offers services specifically under happily unmarried and erotic empowerment that provide individual and Week Group. Coaching workshops and retreats designed to support the social emotional and physical wellbeing of her clients. Thank you for having me Katherine. Let me tell you. I just love the way. You're able to demonstrate for so many folks out there. How one in academic can be multifaceted in dynamic right. Don't sit at a desk. Let's read in on this thing right and then also to how as an African descended person and woman how he can truly embrace and live in your truth when it comes to your personal relationships and partnerships and even with yourself as it is the case with happily unmarried and then I love this and open to the sixty nine ways to embrace ecstasy. Yeah I mean there's more but sixty nine such a fun number and then I'm also my son. Signed his cancer and sign kind of looks like a sixty nine so I like playing with things like Bat. I love that. And so all of this falls under your business tagline philosophical purposeful and practical approaches to La Shelby. The good life. All of that fantastic. I'm so excited to have you here. Because you are such a brilliant scholar and you also have this really great. Entrepreneurial Mindset as well. I think our audience here will just enjoy listening to your journey as to how you've been able to combine these two passions. It seems to me I love it will fall right into our first segment. If you don't mind because I have so many different kinds of questions and thoughts act one call to adventure so for our listening audience. Who may not know you changed your last name from Gyns. Yes to bell and bell spelled with an extra e honor your maternal grandmother and and as I understand your maternal grandmother named herself. And Yeah and you see this active. Changing your name as a way to honor that power and legacies. Yes well first let me say I absolutely love my name. I mean every time I see it written down Catherine Sophia Bell like I get excited at the sight of my own name. So in terms of motivations oftentimes our names are patrilineal right. So many not necessarily all women are given the name of your father in. May Take on the name of their husband and that was my experience. So my initial given name was Catherine Theresa Johnson. My mother wanted the name Catherine after her mother my father wanted to name you theresa and then Johnson was his name. So that was my maiden name I got married in. Nineteen Ninety nine at the age of twenty one between my first and second semesters in Grad School and at that point I changed my last name to guidelines which was the name of the former husband I got legally divorced in twenty seventeen and I'm now berry happily unmarried. And rather than returning somebody that patrilineal name I mate name. I decided to go with a match. Lineal named honor my maternal grandmother so her initial given name was Katherine Smallwood. Which was my great grandmother's last name. Smallwood. But by the time she got the high school she changed her name's Katherine L. B. E. L. L. Now I have no idea how she went about changing it or even if she went through some legal process to do that but my mother got me a copy of her high school yearbook class of Nineteen Fifty two where in that yearbook so by the time. She got her senior in high school. Her name is listed as Catherine Bell. And so there's something really powerful to me about this black woman in the nineteen young black woman in the nineteen fifties by her senior in high school Made her name Kathryn Bell. And that's the name that she's recognized as you know later in life she. She went on to model. She showed up in jet magazine a few times and her name is Catherine Bell knows faces as well. You know that was just a powerful legacy to me and it was important Tap into in connect to that legacy empower naming oneself Have a match lineal name as hopes to patrilineal name. I'm so I changed my name Catherine. I actually dropped the middle name. Interestingly my mother when I was changing my last name she was like. Oh well I never really liked Teresa anyway. That was your father's toys. That would choice so she got a chance to rename me. My Middle Name Sophia. She recommended because she said you're Lhasa. In philosophy us so you can be Sophia. My Mother's middle initial is S. My two daughters have the middle initial s so we were able to share that s middle initial further sophia in the bell It's still sounds the same as the way. My maternal grandmother founded by added the extra e. Just a little bit of self friendship over the meaning of beauty. I think evidence that there was so much thoughtfulness and care. Yeah even your process to say okay. How do I go about changing my name because even when we go through relationships such as marriage? And you're going through the divorce there is a lot of conscious thought around. Do People keep their names Ryan or even when you're getting married forget about even when you're getting divorced but like when you're getting married some people choose to keep their name drop the name in my case I hyphenated. I've even attended a wedding where the husband and the wife decided to both hyphenate their names just so that it would on paper as well as the presentation of this new joined. Family Union Unit. That it wasn't that someone was giving up but they were just more so adding naming oneself is so powerful. I mean I can't help but to even reflect on scene in routes where yes lavar. Burton is as as Coon to Kim. Tae Is being whipped. He ends. It's you know this holder of active submission. That's trying to happen with him being beaten because he refused the naming Tober right and he's like Kota Day trying to be broken. Think about that example. I also think about the example with Muhammed Ali. Right where he's like. You know. Say My name. Say My name right before the destiny's child came out with it up. You know what I mean and so yeah. I'm not GonNa say that that you know the cultural model my mind that I figured I'd put that out there. Once I said it I was like okay. This is GonNa be the connection that comes up celebrities name that too. But that's not quite what I have in mind right. There is something and I think we have more examples of men doing that than or the example of men don't eat more celebrated than examples of women during that but definitely for me like I look forward to dropping the maiden name when I took on the Mary name but I also very much look forward to dropping the Mary name and renaming my for me. It was another beginning for me. Like who am I in this new chapter this new iteration of our life? And how can this naming process a reflection of that kind of a launching point for me for that? So that's been beautiful. Young kids is all about identity. And the all these different phases and stages just you know what does our about us and then our names judge. We're judged by our names whether we're applying for different jobs or positions. I mean their scores and You know them very well. Also but their scores of research studies and the employment field that talked about racial bias and discrimination based on candidates nate. I think that's a fantastic way to pay homage to her legacy. Thank you
"smallwood" Discussed on KOA 850 AM
"With the outside chance for afternoon shower down to thirty four tonight tomorrow's high sixty four I'm meteorologist Brooks garner fox thirty one Denver weather right now there's a child living in extreme poverty with no future and no hope but you can bring hope when you become a compassion international sponsor just text the word child two eight three three nine three and sponsor a child right now the only news radio time is twelve thirty our top story our partners at fox are reporting that a member of the international Olympic committee told USA today the twenty twenty Tokyo Olympic Games will be postponed until next year the details will be worked out within the next four weeks this past weekend the Canadian Olympic and Paralympic committee said they will not be sending a delegation of athletes to the games Australia Germany Brazil and Norway urging the IOC to postpone the games Republican state senator Jim Smallwood of Parker has covert nineteen Smallwood says his symptoms were mild and subsided quickly Smallwood is quarantine at a second home in California until the end of March short term vacation rentals and hotels in Estes park are shutting down because of the threat of coronavirus that order is now in a fact it was issued by the town and Larimer county health officials who say they want to move to limit the number of tourists in the area that order will last for about four weeks in Israel's kind of free the initial coronavirus test on German chancellor ogle Americal show she does not have the virus but more tests will be done on the German leader she came into contact with the doctor who gave her a pneumonia vaccine on Friday and then later tested positive for the virus our next update at one o'clock I'm Susan would get on Keighley news radio eight fifty AM and ninety four one FM now a check on traffic with Rick Morgan overall I drive.
"smallwood" Discussed on KTRH
"Do pay. Work to pave stone paperwork, but I got to get you to check out the karston because I had that done in my house and Cyprus I just noticed every picture of it on their website. I'll let you go figure out where that is. Here's my buddy. Clint Richardson we were talking about his food porn the likes to send me on early Saturday mornings upsetting Kalama use a bad word on the calendar. Strange look on his face going. What what are you talking about? So Clint is a friend of mine longtime listener guard line become my barbecue sin say since he taught Ronnie killing everything he knows about barbecue. You might as well teach me what I need to know about barbecuing. And I'll bet y'all see him today since he lives in lamb. You're really getting busy for something else. Aren't you tomorrow? Putting on a benefit for faith for the future of Stephen Smallwood on the phone with us to talk about the event. Hey, Steven real quick tiller, buddy. What faith for the future is all about? So my wife, and I actually have a special needs little child, and she is about to turn nine years old gave us the inspiration to just give back to other families that have special needs kids and all the struggles that they go through. So we lived in experienced at had a great support network. We started faith for the future. So that we could actually help kids with the therapies that are needed that they can't seem to get coverage for because whatever reason some are deemed not necessary when it's the one that the child really really needs hip at their be music therapy. So we have ocupation of their business speech. There we provide extra therapy. And then we're also working to provide them with some of the wheelchair and a -ment that's needed in the. Homes a lot of people have no clue especially families in cost anywhere from ten to forty thousand dollars a month. Extra just to get care for your child. And I don't know a whole lot of people out there that can float that Bill. So we're trying to be that gap for the special needs family. So you're doing a fundraiser tomorrow, right? Yes. Sir about where is that. Okay. Doing a fundraiser in Pasadena, Texas at shooters dance hall and saloon that is right there. I'll spend your highway beltway to Spencer and write down on Spencer's shooters Clinton is going to be doing barbecue. We've got some country music artists coming out there. We've got Cooper Wade, actually rose. Several other artists that are going to be there there. There's going to be doing a live bear bear. That's going to be fun live auction, right? You got to be some good stuff live auction. We've got a lot of donation. A lot of people community really pulled together to help raise money and take care of the kids. And of course, we know the food is going to be phenomenal. No pressure. Clint. One more thing in that. He left up is one thing that they helped provide head of family recently needed some roof repairs there to do that, you know help. Hey rent when you know, the families are struggling. So just there's a lot of ways that we're able to help out and support them. Okay. You need to their website. They can go to. Yes. That's what I was just about today..
"smallwood" Discussed on The NFL Show
"I think that's one of the real delicate that you don't practice that enough. Your stock. You're trying. Manage timeout. But you're in field goal range. But let's be real honest. You're not in makeable field goal range, and you need those three to win put to ensure yourself. Onside kick game. But if you fucking miss you run the risk of losing the game. And then the eagles get the ball back and they get the penalty on seven four for a rough of the pastor and they're perfect shop shape at two twenty seven to go to twenty five ago. Deadball right. They run the bomb which is the right thing to do. Just start the mall movement. Smallwood gets no yards at all. Right. And or spos- I think it was froze gets no yards at all. And so let the clock to the two minute. Warning. What are we gonna rush for? And I I was actually looking at my phone and reading tweets at that time figuring they were never going to snap the ball. And they go ahead and snap the ball. And it gets intersection and millions like they picked up. I'm like what the heck did happen. Kind of happen. Like. To me sometimes teams play fast and sometimes teams played stupidly. And I think that was trying to play fast. Do you think it's one of those things where it is a, you know, we're we're going to zig when they think we're gonna zag where you know, shown paid in the saints defense. Maybe they're a little bit tired. Maybe they are. You know, we're we're we're different on the hills were making a drive here. So I if you do hurry up, maybe you throw them off a little bit may maybe make that defense, you know, have to make a call quickly because I mean how Sean was open..
"smallwood" Discussed on Fantasy Feast: 'Eatin
"He he's the perfect example of defensive coordinator who doesn't just go and run his scheme, but he schemes to attack the offense. And I know that that sounds ridiculous that you know, we even have to point that out. But like not a lot of guys do that. But he very he does that maybe the most aggressively of any defensive mind, maybe outside of ballot check, and he's going to be very. Aggressive in using using scheme and doing things and trying to make the offense play without some of its best players and do things that it's uncomfortable billing so that I think could work to the benefit of Dallas Goddard the bears. This is something that warrant sharp pointed out to me bears have faced one of the lowest rates of two tight end sets in the NFL this year. And they also I think they faced the absolute lowest rate of three tight end sets in the NFL this year. And you know, the eagles will have drives where they will use thirteen personnel. Three tight end sets for an entire series. And so I think that that's an interesting dynamic in this game. A third tight end would be Richard Rodgers. We don't really wanna mess with him and fantasy but that would get Dallas Goddard on the field. More and Dallas Qatar is he's going to be an absolute stud in the league. I know he didn't have a bunch of big games. He had a few big games, but he would be an intriguing sleater sleeper on a bad tight end slate in the receiver core talked about alshon behind Erz and Al Sean for both air yards and targets during Nick foles weeks. Fifteen through seventeen starts was Nelson Agla and Nelson Igor also led the team in slot routes during that time the bears lost their slot corner. Bryce Callaghan to a broken leg in week fourteen. And as they have acquired after they acquired golden Tate, which has been a disaster as we've discussed and he still been on the field. And when he's on the field. I mean, no, they'll manufacturer some targets to him for sure. But I don't think you really wanna use them in fantasy. You can always try to get cute, and maybe it'll work, but with but since they've acquired him Nelson Agla running his eight dot has has gone up a running some deeper routes and he's made some big plays down the football field bears. Hardly give up any big place. But you know, a lot of this stuff comes down to opportunity. Nelson. Adler is a guy that probably people are just not going to use in DFS, but his opportunity has been pretty strong SUV could find him at a decent price. I think he's a guy. We're taking a shot on in the backfield. It's just been a three man rotation. Wendell Smallwood Darren sproles, Josh Adams. I think if I was gonna pick someone I would probably go with sproles he has been playing over the last three games. Forty one percent of the snaps. He's used most in the passing game. And you know, it passing game gives you better big play opportunities than the running game. Josh Adams is all running game. Wendell Smallwood is mostly running game that can do a little bit of both. But he's also been his usage has been super inconsistent. He had pretty good usage in we sixteen nothing in week seventeen. And then last week came back with pretty good usage. So just don't know what we're going to get with him. But I think I would go with Darren sproles on the bear side. And this'll be the last team that we discuss Mitchell Trubisky is awfully interesting as a play and. A big reason for that is that the the eagles really struggle to defend mobile quarterbacks. And it's not because they're giving up like one hundred yard rushing games to to mobile quarterbacks. It's because these quarterbacks have been having success both on the ground and in the air against Philadelphia. And it was you know to Shawn Watson and week sixteen. It was the number two overall famous quarterback. It was a little bit earlier on it was it was docked Prescott, you know, the the week before he he had he was the number one overall fantasy quarterback. He was also the number nine fantasy overall quarter overall fantasy quarterback when these teams played before that Cam Newton was a number three overall famous quarterback against the eagles. Marcus mariota was the number seven overall finish a quarterback against eagles. Blake Bortles number twelve overall fantasy quarterback against the eagles. So. So. You know, the these quarterbacks that can move have been giving the eagles problems and Mitchell Trubisky can move one prop just bed if you can find this prop. He's been set at twenty and.
Preseason Week 3 takeaways: Tyrod Taylor recovers; Nick Foles flounders
"We'll begin with Thursday night football the beginning of preseason week number three in. The NFL. And wasn't exactly a great game Browns beat the eagles five to nothing that's right a safety in the first. Quarter courtesy of a. Myles Garrett sack and then a field goal in the second that's all she wrote Nick. Foles threw, to poor interceptions Wendell, Smallwood ran for fifty three yards for the eagles but again the Browns wooded five nothing tyrod Taylor did leave at one, point with what appeared to be a pretty significant wrist injury. To his left arm but he did undergo x rays. And return, of the game so that's good. News for. Both Taylor and the Browns but. Again the Browns went five to