Hey guys, it's Nate, AKA the Foot Accountant. Welcome back to the channel. I'm here today to talk to you guys about how to prepare your club for team of the season that is quickly approaching. Now, obviously, the first thing that we're going to have from team of the season is team of the season most consistent. And this actually is a good time for us to look at a lot of ways to prepare our clubs for the big time tats releases that will come after this team of the season most consistent. In years past during team of the season most consistent, we haven't seen the type of SBCs or the type of repeatable packs or upgrade packs or stuff like that. Not the type of quality that we have seen in the later team of the seasons. So that's why this presents a really good opportunity to prepare our clubs for what a lot of us want to do in the next couple of weeks. During team of the season, that's like rip upgrade packs, try out tats players and do icon SBCs from the players that we pack and all kinds of stuff like that. So I want to go through a few things today talking about how you can best prepare your club to get ready for that. These aren't things that you have to do right now. These are things that you can do over the course of this week leading up to Premier League tats. But especially this weekend, when a lot of packs are opened and a lot of players are coming onto the market with the community team of the season being released or most consistent, whatever you want to call it, that voted on team the season that we had just a couple of days ago where the voting was open. So that's going to be coming out soon. And even though the amount of packs that will be open this weekend might not be as many as it is for Premier League tats, there's still going to be a lot of people that give in and open up some of their saved packs that they have in the store. I don't have any saved packs going on right now inside of my club, but I know a lot of people do. And it's going to be hard for people to save their packs this weekend. And there's going to be people out there who forget that other team of the seasons are coming. They're going to open some of their packs. Some people might even open all of their packs for a team of the season most consistent coming this week. And that's going to present an opportunity on the market to buy a lot of things. Now we're going to start from a lower value and kind of work our way up top.  If I could figure out how to work the menus here is a very good way to prepare your club during the team of the season. Now obviously you can set a filter like this, basically just go by league, go through and buy rare gold players at this minimum discard value. They're there aren't showing up right now for me just because you know, there's not a lot of packs being opened. But when you see all these packs that are going to be open the first couple of days of most consistent team of the season, that is a huge amount of rare gold cards that will be coming onto the market. You can set a filter just like you saw me here do 600 minimum buy now and like a 700 or 750 max by now. You can go through and been on those cards or what's almost easier to do set a minimum price of 600 a max price of 700 just go through here and bid 650 on some of these cards. It's not it's not something that a lot of people are going to be doing, but it's something that can save you a lot of coins in the upcoming week. If you stock your clubs with these rare gold cards that are needed for those upgrade SBCs, if you're paying 650 coins for each one, you're doing an SBC that requires 11 of those, you know, you're you're sitting in about 11,000 coins for or 7,000 coins, excuse me, for that SBC to complete it. But when the hype is there when everybody is doing repeatable upgrade packs, those rare gold cards, they go for around 1000 coins, people will be buying those cards for 1000 coins. So if you stock your club with all the leagues at 700 coins per card for all the rare cards, League one, Siri, literally every rare card in the game, any rare gold card in the game, stock your club, even if you want to spend the time, go over to footbin and search all rare golds and get one of each that are, you know, 700 coins a piece, more power to you.   He's in the Belgium League, just drop a 650 bid and you're going to win a lot of these cards and that's going to save you a lot of money on team this season upgrade packs. Now the second thing I want to do, moving up, we're going to look at some SBC requirements. We're going to look at high rated golds and informs. Now right now, a lot of the high rated golds are still up and they're kind of high and inflated on the market, but they are starting to come down. You see here 86, there are a lot of them are under 20k now, which is a big improvement. A lot of the 87s are under 30, 27k seems to be the middle. The 88s are at 35 and the 89s are at 48. You're going to see a lot of this continue to drop over the next couple of days. And while some people are going to encourage you to invest in cards that may go out of packs, that's not the type of investing I want you guys to do. I want you guys to stock your club again, like we talked about with the high rated golds. This weekend is going to create an opportunity for a club stock on high rated golds. And you know, some people are going to say, well, Nate, there's going to be even more packs opened during Premier League Tots team of the season. Yes, that is true. But this might be an opportunity to club stock during club, during team of the season most consistent, then maybe they drop a couple SBCs during the week. You can sell those cards at an increased price. Maybe you buy your 86s on the weekend when lightning rounds are going. Maybe you buy those 86s for around 15,000 coins, maybe get some on bid for even lower than that. You can turn around and sell them later in the week and SBC comes out. And maybe they're at 18, 19, 20,000 coins. You can dish those out and then get back in the next weekend when team of the season Premier League does come out. So that's a great way to just kind of stay ahead of the curve with the investing in the gold cards and having those cards ready in your club. You could just buy cards during team of the season most consistent. They lowered a lot of the price ranges for these cards. For a lot of the high rated cards earlier this week, they lowered the price ranges on them. They lowered their maximums and their minimums to be even lower, kind of preventing them from going higher. But that also kind of shows me that EA thinks these cards are going to be cheaper heading on out through the rest of team of the season because they're very cheap. Now I haven't looked really in depth on what happened to a lot of these cards last year, the gold cards during team of the season. I will do some more research into that here soon. But basically all you need to know is when the gold card just hit a certain amount, they're going to go low.  You don't invest in them, you just club stock some of these 85, 86, 87s, 88s and even 89s if they do get low enough because there are icon SBCs always in the store that people are going to be continuing to complete during team of the season when these players get cheap and when they have upgrade packs and they pack a lot of players untradable. Continuing on the SBC side of things, preparing your club for SBCs, there's definitely going to be a lot of them during TOTS and whenever we have SBCs, informed requirements are there. Looking at informs right now, they are a bit inflated because today we had the Carlos Vela SBC that required some informs. I think a lot of people are doing that. Even the Jamie Vardy SBC, I do believe required some informs as well. Two team of the week, yeah six team of the week players for Jamie Vardy and I think people are doing this SBC right now because there's just not a ton to do on the game and you know these are pretty cheap, moderately cheap and pretty good card stats, pretty good cards in the game right now. So over here you see on footbin that a lot of these cards are inflated a little bit. 81s are at 14,000 coins, the cheapest inform even 83s are at 20k. With this next upcoming team of the week, make sure you spot out the good investments from this next team of the week that we'll be dropping today and make sure you hop on those. Yes, they're going to have a lot of supply from the packs on the weekend but throwing one of those cards in your club when it gets to a cheap cheap price on Friday or Saturday during lightning rounds is going to be a great thing for you to do to save some coins and almost as a discard investment there's going to be more and more inform requirements throughout the rest of the year. And another thing to look out for is past team of the week informs that drop lower because of other informs that are new on the market getting low as well. Let's say like this Max card, 18,000 coins left mid from the Bundesliga, very popular SBC card, easy to link. Bundesliga Tats is in a couple weeks. Let's say this card drops down to 14,000 coins. I think that's about his lowest point when he was in packs. He was at 14k, 13k for this card. Let's say he drops back down there when all the other 82 informs go low because there's packs being opened, you know, and people just list these cards up to get coins, which is going to be happening here this week as well. People are just going to list random stuff in their club to get coins. And that's what you're going to see cards get lower for that, even the SBC fodder ones. But we've already been seeing that with the higher tier market. So just keep your eyes kind of peeled for this, you know, you can easily go in here, go to search cheapest players by rating on footpin, come down here, click on the gold inform button, click apply, scroll down and it'll sort it by rating. It goes up to 80. Oh, actually they increased it now. Oh, yes, they put all these ratings in here for the informs now. So it used to stop at like 84. But now it continues to go up. So that is very nice. So just look at all these inform prices. I wouldn't go too much higher than the 87 and 88s, just because if you have an 89 rated squad, maybe you're picking up one of these higher rated informs. But for most of the icon SBCs that you need, you can get away with a cheapest solution with an 84, 85 or 86 rated inform and then use some higher rated gold cards. But this is another area where you're going to just keep a watch on it. This weekend is a lot of people are opening packs. This is going to be an area where people aren't really thinking to look. They're not going to be going out and looking at what discard and inform investments or what sniping can I do right now to stock in my club. They're going to be wanting to try out the first batch of team of the season cards that is going to be coming into the game. So even a guy like this Jonathan Vieira card who's at 23,000 coins right now kind of hyped up because of SBCs. Since he is just now in this team of the week and this team of the week does not have a lot of supply, maybe another Spanish player will come out next week's team of the week. People will kind of be selling off their informs that they invested in this card because it's not going up and they want to get their coins for team of the season. Maybe you see this card's price drop down to 20,000 coins. In that case that would be a massive, massive buy there. So another just kind of time to club stock this weekend with the informs and the gold cards and this brings me to my last point in the video. I want to talk about team of the season most consistent investing. Now this is something that a lot of people did last year and we're going to take a look last year at some of those early on team of the season cards that came out and some of their movements. We're also going to take a look back to FIFA 17 because in FIFA 17 they didn't require these TOTS cards like they did in FIFA 18. Now this is going to bring back some memories to you guys wait until you see some of these cards. Diego Jota obviously this is the EFL TOTS came out right away with team of the season most consistent. It was out right after that and a lot of people made bank off of these cards because they got cheap and they got cheap in a hurry because of their they were very high pack weight since a lot of these guys have very low base rating cards and of course you needed team of the season cards for SBCs. So these cards went crazy, crazy high in value especially a guy like this this read card who doesn't really have a ton of in-game value his stats are decent his stats are nice but he's 85 rated so that's a perfect kind of mixture with he doesn't have the incredible stats this isn't a card that a lot of people would want to go out and try three star three star 88 pace 85 shooting eh you know but look at his price he gets down here to 32,000 coins pretty cheap right pretty cheap right boom requirements come out the next week for a guaranteed Premier League TOTS player SBC and this man goes to 80,000 coins he goes from 30k to 80k and I remember remember people last year who were banking on a team of the season player requirement they went all in on these cards and they made stupid amounts of money and the opportunity is there again this year but I want to also kind of talk to you guys and and you know caution you guys a little bit as well when we're going to look back here so here's another example of Vidra decent card but not a card that a lot of people were going to use 30k boom he goes to 80k as well we're going to look at take a look back here way back at FIFA 17 and look what happened with these cards let's go with 87 former obviously more of an SBC card probably used a lot they weren't required in those first couple of weeks of Premier League TOTS the man stays at discard value of 21,000 coins for literally a month over a month and then boom they had some type of TOTS requirement back here and he shoots up to 40,000 coins and he obviously was probably very rare for the rest of the year so that's just one thing that I want to kind of caution you guys on we're not guaranteed a team of the season player requirement now is it more likely yes because we see a lot more SBCs this year than we did in FIFA 17 guaranteed team of the season SBCs EA knew that those were a hit last year a lot of people like those last year I would expect them to come back this year so I would expect to see more market movements like this with the high rated excuse me with the discard cards here from the early on team of the seasons being a good investment but I still want you guys to be careful because this is never guaranteed they could do a lot of high rated gold investments they could do other special cards throughout the year maybe they could even require UCL cards as well it could be an opportunity where instead of requiring out a lot of these maybe they throw in a UCL rare player requirement so that's just one thing that I really want to kind of point out to you guys I know a lot of people are really hyping up you know let's invest in these cards and I think it is a good idea but again I think I might take the club stock rule on this one you know if you see cards at discard by all means go ham go go nuts buy them all I'm serious like if you see some of these most consistent cards that come out this week at a discard value you know the discard value for these cards is usually around 20,000 coins even a guy like a Juan Vasaca or you know some of the guys that I voted for in my team of the season I think I voted for Endom Bailey I don't think he would be discard and I'm struggling to think of some other ones that could be discard but I'm not sure if we're getting you know an EFL team of the season this year or even a rest of the world because a lot of these cards were the ones that hit that cheapest point some of these guys down here like the Leomatos the Kobayashi some of these guys were ones that hit the lowest point last year but I don't really know if they're gonna do a rest of the world this year so that's just something that we're kind of waiting on more information for when it comes to these cards so be careful with these team of the season cards I do think it is a good investment opportunity but if we don't get a other team this season like an EFL or a rest of the world early on with a lot of the more discard value cards I don't think team of the season most consistent is going to provide the opportunity for us to have a lot of those discard type team of the season cards because if you look at the guys that are in the voting for team the season most consistent let's go to a foot head right now and even look at look at this ourselves and check this out foot head hashtag tots vote these are the guys that are in these are the guys that are in now you saw me pick in my tots vote that I posted on twitter I had a guy like canales in there I had a guy like um lasandro lopez and I had tiago mendez in there as well as actually this is my tots vote right here those would be more of the sbc fodder investments but because you see a lot of these guys not a ton of them would be sb sbc fodder investments um caputo yes lasandro lopez probably yes canales probably yes kevin campbell maybe mutinio maybe uh I forget what this guy's name is maybe mendez maybe but a lot of these guys kind of have some in game value people would want to actually use them so that's why I'm I'm just kind of cautious with the whole team of the season most consistent investing in those cards just be careful with that um and take what I what I just showed you with a fee for 17 stuff take that into account as well but to review an easy way to prep your club for tots go out and buy some rare gold players honestly spend 100 000 coins stocking your club if you have the big coins uh stock your club with the rare gold players look for the cheap cards during lightning rounds with the informs and with the high rate of golds to get yourself ready for icon sbcs or for whatever sbcs that they may come out with during team of the season if you like this video smash a thumbs up on it comment down below if you have any questions and subscribe to the channel if you're new it's been Nate the photo accountant catch you guys later peace out


Great everybody. Welcome to the live stream. We got a lot of stuff to cover. So first of all, thanks for stopping by on this beautiful Monday morning, and we're gonna go over a bunch of different things and I got to tell you Things are looking pretty pretty decent. So first, of course, we're gonna do a little market recap We're gonna do things a little bit differently as far as taking a look at crypto and traditional market Also, let's take a look at good news and the earnings reports Which might turn things around because you know what bars set pretty low also Take a look at going long short-term buyers are getting wrecked and we'll take a look at some on-chain analysis monthly returns and hotel waves Then there's a last piece. I want to talk about Skybridge and the mooch They have the right mindset and really what they're doing is they're putting their their mouth where their money is I got to actually redo that one. I didn't spell it right and lastly We'll go over a little bit of Q&A quality of questions. I'll be in so first up welcome great Monday morning What's going on besides that the market is? Took a little bit of a dip yesterday on Sundays, which it always seems to do That's just how it is So we'll take a look right now actually and if you're for the live stream again welcome here for the replay just know We'll have time stands below and we'll try to get to to everybody's questions at the very end So hold them and tell the end let's jump into it, huh? So this is what we got before we start to look at the crypto market Let's take a look at where I think things are somewhat Correlated now, I think there might be a decoupling at some point, but this is the S&P 500 right now and it is almost 9 a.m. Here in El Paso, Texas, so East Coast we've been open for gosh, what? 910 11 about an hour two and a half hours or so and we can see that the traditional market is a little bit jittery and what's going on is because There's some earnings report coming out. So this is actually over just the just today Let's take a actually refresh this. Maybe it's gone up because I think I think Nasdaq has gone up as well No, not so much. Let's take a look to five day. Yeah, that's so great one month. Yeah Six months. Yeah, what are you gonna do? All right, so Nasdaq and this is where If you've fallen me and some other people, this is where we think that things are a little bit more correlated Nasdaq is more tech stocks and it seems like our Sector is being treated like a tech stock as opposed to a risk-off assets Which I think is what it really will become as time goes on But again, just to just to zoom in to give ourselves a more stress. We'll zoom in today Huh, let's see how it's doing over the one day. Maybe it's gone. Hey, look at that. Not too bad. So If we're looking at just for today in the last Two and a half hours, we started off pretty junk But maybe some earnings reports have come out and it's kind of climbed up found sell around So hopefully you'll see Not so much. Well, let's refresh this Amazing amazing.  So again, it looks like that's what's going on and I will tell you right now That the rational person Me and you hopefully the people who are investing they don't Really trade a lot. We're mostly a bunch of hollers There's some traders out there and do whatever you want to do but just remember like we had talked about on I think this was last week Thursday or Friday just remember that This was from There was a video we did and it featured Steve Grasso from from Wall Street Also, he's on MSNBC and Squawk box and he talked about how he goes look He goes there's gonna be bots and there's these things called tape reading algorithmic bots And when people speak on these new shows or something comes out Especially when Jerome Powell spoke everything dropped down people like why is this happening? Because it's because the bots are you know in control and it's it starts a cascade effect Not bots like we see but just a little bit more advanced as far as algorithmic So one bot sells other bot sells before you know Traders pick it up and then we sell and that's what causes a little bit of rationality So if we see that earnings reports come out and it's not so great Just expect this to go down Precipitously because the bots also because of traders and that's really what's going on so That's what we have as far as like the beginning And this is what we have so here's the question Earnings report and hopefully it turns things around I can tell you right now I just did a quick little poll and it seems like most of you believe it's correlated But somebody don't think it's it doesn't really matter because in the long run who really cares so let's just jump into Some good news so this is the daily upside It's a news letter that I get as a link in the description you can sign up for it's free It just comes and gives you all the macro Events that are going on these guys work pretty hard for a free Newsletter now of course there's a little bit advertising in there because hey nothing's for free But I like how they put this together. So here's what they got first of all. I didn't realize but The markets don't like Uncertainty so of course around Political elections think a little bit of wonky so there is some good news Depending on who you believe Emmanuel Macron became the first French president to win re-election in 20 years So I guess there's a bit more stability over there if you're from France I'm sure some of you hate your president and some of you like your president just like in every other country But that's not the point the point is is that when we have a little more stability Hopefully it means the market will actually even out. There's what we got 180 companies this week will report their quarterly results 180 So that's just shy or just shy of 180 companies on the S&P 500 Worth close to half of the blue chips index market value report results By the end this week and that means there's some big hitters like Apple Microsoft Amazon alphabet And they're worth the combined eight trillion dollars or a fifth of the S&P 500 Now the S&P 500 is down 11% year-to-date reflecting the expectation of ten rate hikes over the next 18 months so if you Think that That Jerome Powell and his rate hikes are priced in I gotta tell you that's what we all thought and then last week We saw as soon as Jerome Powell spoke About raising those rates then of course the market tumble. So This is Something that's on the horizon However, here's the good news Against an ominous macroeconomic backdrop corporate earnings have actually held Done pretty well actually and if we take a look at the data 78 percent with the list up 78 percent Of the 99 S&P 500 companies that have reported First quarter results so far Have beat the analysts expectations now You don't hear that too much the news. You don't hear a bunch of stories about how hey a lot of companies have done pretty Well, all is you've been hearing lately is how Netflix has gotten hammered And how awful it is and how the sky is falling and that's just that's just par for the course What works in news? Usually a lot of negative stuff That's what gets people to click and to come in usually good news doesn't really work out too well That's then you can see that right now so 78 of those companies are doing pretty good this year's average beat rate Easily eclipses the historical average of 66 percent of overshavers since 1994. So 94 It's 66. I thought it was the most fantastic year and so far 78 percent Have been analysts expectations now the real question is Will that continue with microsoft and apple these big guys? So that's the good news, but just so you know alphabets earnings are expected to fall Less than a percentage or 0.7 percent and analysts see apple earnings climbing a meager 2 percent which You know, you think about it. You're like, well, it's still going up But the market is like blood hungry. They must have These huge gains that actually get excited. Unfortunately. That's what we live in. So this this is the next thing up Big tech firms are also staring down new regulatory pressure That could dole out billions in penalties. I didn't I wasn't aware of this. This is something that's I think we shall be aware European policy makers agreed over the weekend to reforms That will let regulators find online platforms With 45 million or more EU users or the european union up to 6 percent of their global annual revenues if they fail to crack down on illegal Or harmful content. I don't know how they're going to do that. It just sounds like another way to tax things Facebook owner meta based on their revenue of last year could be find up to seven billion dollars I'm not sure if that's a big thing for them But seven billion might be a drop in the bucket, but it is a way for tax to come up And then here's another one Before I read this sentence Just know that this is not a political channel So if you're gonna give me a thumbs down, give me a thumbs down because the content was just awful And you had absolutely no value whatsoever. Don't give me a thumbs down because you don't like a particular president or something that he says So this is what we got former President Barack Obama last week called on the us to crack down on disinformation By reforming a law that protects online platforms from liability for user content Should make for liability earnings. So just so you know, that's called law 230. That's what came about in the late 90s That's what allowed the earning internet the flourish So there's a big difference between someone calling for it and it actually happening So that's where we are for the earnings report. I think it's going to be a pretty interesting week Again, the bar has been set low. So hopefully We come out unscathed and we can start to build. So that's what we have. Let me just think about that in the comment section and let's talk about going long because that's I always talk about when in doubt zoom out But in all honesty, sometimes we got to zoom in to see the picture And that's what we just did right there. So now let's zoom out and see where things are going So I asked a question on twitter again If you had $10,000 and you were required to shoot between her during a in a short a long position. What would you do? And the majority of people said I'd go long sounds good. But uh, what does that mean? What does that mean as time goes on? Well, if we take a look at longer shorts, this was uh On-chain analysis from into the block and they said this traders Are holding less than a month tend to follow price action and in many cases sell it a lot So I think this really comes down to either And of course, you want to call it paper hands or weak hands or whatever you do I don't really like to use that term because I think everybody's situation is different a lot of these people Or some of these people actually might be you know Swing traders just kind of getting in and out, but it seems to be Balance held by traders the lowest value since january 18th. And of course It seems like the less time that you hold it The less profits that you actually do and now we're below january 18th as far as like a low volume as far as traders so the question then is How is that looking as far as like for the month? And this is uh one of my favorite my new favorite websites talking about for like the last 30 days or so This has been you know the cryptiverse links in the description. It's not a affiliate link You can you can check it out But on top of all these great charts that he has one is is one that I can't show you unfortunately told me not to A risk assessment and you can see just how Low or how high risk is right now I got to tell you it's I mean just between us It's pretty low as far as risk because My price is kind of tanking for a while But if you take a look at april statistically over time and of course Past performance is not indicative of future results But april was usually a pretty darn good month if we take a look at it I mean 34 in 2020 2019 the worst one before this was 2015 a negative 0.9 percent But so far to date this april has been by far The worst april that we have seen for quite some time and then also if we take a look at uh A monthly average I like to take a look If you what we're taking a look at is 90 days, let's see 90 day average So if you had bought 90 days before or three months before and then sold in this month Here's would have been your return on investment march over all time has been Statistically one of the best ones in april Pretty much the second best one, but of course now that we're looking at it not so much and um This feeds into my thesis about selling may and go away Maybe it should be selling april and go away for crypto because it seems like may june july august Yeah, a little bit of rally september then you get back around october november december For some other gains. This is where I would you know, you might want to sell and then buy again That's not financial advice. It's just what i'm doing Uh, but you can see that there's quite a dip here And if you're looking for fantastic gains in may june july statistically not so much However, if we take a look at this these are called the hodl waves Long-term holders for short-term holders. I will just say this goes back to exactly what uh into the block was saying The less you the less time you hold the more problems you have as far as like gaining Different revenue and gains so if we take a look at short-term holders It kind of follows this pattern Which is as the price goes up and the white line is what the actual price is You can see that as the price goes up The individuals that hold for a short term one week to a month They start to just follow the trend and go i'm going to buy up here at the top and they start to sell off But they sell more as it goes down, you know and just don't accumulate then they buy a bunch here when the price goes up Then down again, and that's What I think a lot of us did in the very beginning. However If we take a look at The long-term holders And this is just What this chart shows us is a month It's a three months No, that's really a long-term hold of it. Okay. You can see that. Uh, yeah, here's in 2017 As the price dips these people start to accumulate When the price goes up they sell off When the price goes down they accumulate no one price goes up they sell off and off we are But there is something interesting about this one. I found Fascinating I think there's a fine line Between people who hold or hodl for quite some time And people who just drink the kool-aid and just don't see what's in front of them. So here's what i'm talking about If we take a look at people who hold for one to two years, they did pretty darn good actually Again, you can see that they start to accumulate when the price is Price is kind of going or flattened out And then when it starts to peak which here's the price they just sell off And again as the price goes down they start to accumulate as it goes sideways This is where I make all my money actually just dollar cost averaging And then of course As it comes down here and the price starts to rise they start to sell off as the price peaks Now when it goes down same thing, that's just for people from a one year to two year But check this out if you take a look at the three year to four year people Oops is that one more time Get rid of all them sometimes it seems like When they come in here They even even right here So they actually sold off right before the peak of Now this is 2017, but then It's like they try to do it again And they came over here Oh, they did sell off forget that. No, I guess i'm hold on. There's one more. I want to show you Two years or three years Hmm Ah, yeah Oh, no, I guess I was looking at the six months of one year. So yeah, it's the same thing It seemed like the more people that hold for a longer time Of course, they buy these dips come down sell off Then they come over here They sell off as it starts to peak and now they're over here just accumulating. So I guess yeah same thing So I want to think about that in the comment section interesting that people do the same stuff Which is just accumulate and they sell off. I think that's probably the best mindset speaking of which Last story skybridge and the mooch have the right mindset and what this is is I think this is the bigger the bigger picture right now. We're not having we're not in the greatest Market as you might tell But I think in the long run will be okay. So here's what it comes down to skybridge Goes all in on crypto Betting on tremendous growth ahead. So skybridge managed a seven million dollar bitcoin fund among others Been actively working to get a spot bitcoin etf approved by the u.s. Good luck with that Scare mooch said the firm is and this is this is anthony scarimucci's firm skybridge said the firm is repositioning itself to eventually be a Leading crypto asset manager and advisor He said we made a decision during the pandemic that we had to Re-litigate our entire portfolio There's a pre-pandemic world and a post pandemic and a post-pandemic world has a lot more deficits For us we think the crypto markets represent tremendous growth. It comes with volatility But I think over there the next three to five years We like the trajectory and the question was is like I always wonder was like, why did they get into it? so heavy because You know skybridge was not a big proponent up to a couple years ago It came down to this Director of business development john darcy said that the firm's growing focus on crypto was brought About due to a huge drawdown In the credit portion of the firm's hedge fund manager portfolio meaning didn't really perform too well I think that's a lesson for I think a lot of different hedge funds out there and a lot of people getting into stocks I think they're overinflated But they still buy into it. I still think it's a very risky asset and they still treat it Some of them people treat it like a risk off. You know, it's really risk on He said what we decided to do was a portion of the capital That was previously allocated to credit managers was invested directly in the crypto like bitcoin ethereum Then they're also going to rotate capital and crypto asset managers like multi-coin polychain preterra And things of that nature So I think they're going to put their money Like I said, what their mouth is and then kind of come out ahead because I don't think There's a lot of huge tremendous gains from Equities, especially what's what's going on. Anyhow, I want you to think about that in the comment section And that concludes the stories for today. So look if you like today's video, give it a thumbs up I'll consider subscribing all things talk about our time sensitive. So that takes care of the news Wrap it up in about 19 minutes. Let's go on to five questions in five minutes And we'll get out of here and enjoy the day. So Let's take a look at The questions let me get rid of this banner It's kind of annoying All right So first up There's a good one Mark says, how does bitcoin work globally when so few own such a large percentage of it? So Really to think about it Let me show you something Let me sign in to Let me show you This is into the block and this is a on-chain analysis. So if we take a look at We'll take a look at the network stats Excuse me ownership all ownership stats And actually what we should do is take a look at bitcoin wallets. So As far as like I think the big question is is there a concentration of bitcoin and we take a look at it There's whales investors and retail investor whale and retail. So what's the difference? An address that wants more than 1% of the circulating supply bitcoin this place Would be an investor An address that owns between 0.1 And 1% of circulating supply is retail or a retail. Excuse me retail 1.1% of circulating supply So it's one of the 1% it's a whale And that's just this sliver If it's 0.1 to 1% That's an investor volume and the rest is retail And that is the majority of where things are almost 90 percent or almost 18.88 million Is in the hands of very small wallets who don't really have that much now as time goes on I think the bigger question then is You know, how does how does that actually disseminate between? The seven to eight billion people on the planet. We'll just remember. I don't people say well How's everybody gonna have one bitcoin? They're not that's what it comes down to they're not remember there's a hundred billion satoshis into one bitcoin so We've got enough satoshis. We just don't have enough one full bitcoin. That's why we're always talking about just if it's a pretty decent goal Not investment advice, but to actually own one complete whole bitcoin. I think that's the crux of it. All right, I'll answer your question Next one crypto Crypto gods the crypto market is so much fun, but I'm making me money Yeah, I was the same way was the same way as you in 2017. I didn't make anything I bought it the I bought it some highs and I just watched it all go down and I had two options I could just sell it all and just take a loss of like 60 percent Or I could just keep buying and see where things went. Luckily. I just kept buying and it worked out. Okay Uh, I'm not in the business of losing money. So I felt like well I don't know when this this train is or at what point we arrive in the destination But I think uh, this is the next evolution of money smart contracts Layer one layer two solution. So why not and worked out. Okay. I think that's where we're going to go Alpha gaping one P when will people stop using fiat and move 100 percent to crypto they won't I think you have to understand that I don't think for a while people will trust Just straight crypto for all transactions And cbdc's I think they're going to trust even less unless it's forced upon them like in china But correct me. I'm wrong I've had some people here who either have lived in china are living in china And they're using a vpm to access I won't tell on you and they say that uh, the digital you want is being rammed down their throats But a lot of people don't trust it a lot of people don't use it So even you get the news out of china that says that it's doing great and there's all this adoption The people that that uh on the show are like that that commenter like no, we don't want to use that But again, we'll see if it's getting rammed down. Let's see And then mark the same thing. I've owned bitcoin over a year. I would say a nine percent time has been in the right Yeah, that's exactly where I was That's okay You know, I think as time goes on. I'm not so much big in the red because it just feels like you're just like well You know, I got time And that's it. That's why i'm always talking about dollar cost averaging instead of dumping everything in I mean, you can dump everything in if if you Have that experience but a lot of people don't So that's why I talk about it. It's all rigged folks. Yeah, it is Alchemist is right. It is all rigged and that goes to exactly my point when I was talking about these bots That's why I like when people talk about This isn't going to be very popular but I kind of feel like a lot of traders are our gamblers I used to I lived in vegas for two years and I had a bunch of friends who were degenerate gamblers And I always ask them, you know, I say, hey, man, how how'd the weekend go? I'll grade them up like five grand. That's awesome How you doing for the year? I'm down like 30 grand But I mean like last weekend was awesome and it's like I would only hear about the good trades I mean, that's it and That's just how I see a lot of traders out there. I don't think they're very profitable they even even if they they add it all up and And subtract away from their capital gains and maybe it works for capital loss capital gain losses But I think a lot of people are in the red Just trading not everybody but I think not very many and That's why I'm always talking about well things are raking. There's a lot of Money going into making there's a lot of money going into making a lot of money in the crypto And I don't know where things are going. That's why I just say well I can't beat these bots and I can't beat the people that have unlimited resources to You know trade against me. So I'm just going to keep dollar cost averaging It seems to work out. Okay in 2018 and 19 and 20 and 21 Let's see if it works this year Yeah, ryan says martin says good institutional traders are gamblers other people's money big difference. Yeah It's true the but the thing is how long are these how long are these institutional traders How long are people going to go to these hedge fund managers, which most of them can't beat the s&p 500 It's like 90 some percent can 95 percent can't be s&p 500 So I don't understand why people keep going to them. I think it's it I personally think it's a problem with Education my brother does the same thing. I asked him personally I'm like because he's big into equities and you know that I'm like listen man. How are you? How are you dealing with this inflation and and the uh the market and he goes? Oh, I just you know I had this group that that helps me with Allocating funds I'm like what are they allocating to you I'd like to know he's like stuff I'm like what stuff he's like good stuff.  You don't know what you're talking about And he's like he's my brother so I can say that he's like. Yeah, he's like he didn't really say it in all those terms But essentially that's what it is. So yeah I think it's just people who just Don't know what to put it up And So alvio lamp lamp says hey, what about central african republic? I did a whole video about this yesterday as soon as that story broke. So We talked about the central african Republic just accepted bitcoin for legal tender We talked about how great it is and you know, it's good But I said don't get your hopes up that it's going to really Push crypto and bitcoin the next level because we took a look at the gdp in al salvador gdp is around 24 billion dollars The central african republic. It's around 2.04 billion dollars. So again, that is a it's a step in the right direction, but it's going to move the needle It hasn't so far cornucopia is any thoughts looks like a pretty good plater and game on cardano. That's all I know And uh, that's it I'll leave with this This is good crypto beats most friends are wishful thinkers when trading Actually, all well, you you got to be you got I mean you got to be as even an investor There's like larger studies showing that the kind of personal interest have is ones. I think they're smarter than everyone I think you got to kind of have that Ravado to get into trading on that. I just know The the older I get The more I realize There's so much more that I need to know and I don't know and I think that's that's the beauty of getting older you just kind of say I I think in 920. I thought I knew it all in my 30s. I had questions On my late 40s. I'm like I don't know as much as I should and there's just wait. There's just so much out there Anyhow, so that's it. So look coming up in 30 minutes like uh, I gotta get so just so you guys know that This week's gonna be a little bit different. I've got a We do a charity event for underprivileged kids. We build these obstacle courses And we pull people in And of course, it's just a 100% goes a charity. So I have to go out there and I'll be doing a little bit more more outside of work construction and things like that To get this thing going. So the times of these Events live events will be fluctuating. So just be patient with me. And then that's for this week We do the event this weekend Should help a lot of kids and then next week after That we go to london for the coin bureau events, which we get to talk about Certain things with guy And then I'll be there for like five days and then I go to italy So just be aware that uh, I won't be around for a little bit and that's what's going on So look if you like this video give it a thumbs up. If not, give it a thumbs down That's okay and consider subscribing. That's it for today. So thanks so much. I appreciate it See you on the next one. Adios


Roll on and we're gonna clean this up to make you look good. So if you drop the up bomb, we'll just go back Perfect. So what I'd like you to say is My name is tech sergeant Dan Heaton now. I'm with the 107th fighter squadron and this is Tell us a little bit about what you do. I'm gonna just Look at you Yeah, you can look at me while we're talking Okay, like I said, we can do this a couple times if we need to so okay All right, so I'll just start off my name is staff sergeant Sean Trebusy and go from there with the one 107 fighter squadron And here's what I do. Okay I'm staff sergeant Sean Trebusy with the 107th fighter squadron. I am part of the arms division I recently just transferred from the Coast Guard. So I'm a prior service and Every day I'm learning something new about my job So what made you join the international guard? Change of pace something new. I Did ten years with the Coast Guard. So I wanted to see what else was out there. Yeah, so what's the difference? There's a lot of differences Air Force is bigger much bigger A lot of a lot more acronyms that I'm used to There's there's some similarities still so your arms, what does that stand for? What does that? What does that mean? It's aviation resource management. We assist the pilots with training and record-keeping If you had to explain to my grandmother what you did What would you tell her? I would say I Don't File management and work in the desk while they're flying. Okay, which is help the pilots as they need Do you track like flight hours or like you make the schedule or what kind of what's your piece of it? Make sure that it's inputted in the system the arm system that Keeps the pilots up-to-date and everything why is what you do important if the pilots Aren't able to fly because their quals weren't entered or properly entered that they would have to re-sert or Go through hoops to get the system fixed. So you're kind of documenting the tip of the spear. Yes. Yes Can you can you speak to that a little bit? What your words not mine? No, like if you guys if you don't do your job, then what happens ah, so then with the pilots not be able to fly they would have to Retrain and go through extensive extra training that would hamper their mission In fact, you had ten years in the Coast Guard Is there something unexpected about being in the Air Force or something that kind of caught you off guard at all? Using my first name that was weird when I heard my first name. I didn't I was like whoa People say that around here. Yeah, so that was actually extremely different. Well, that's kind of different between being a part-time versus Yeah, that too. Yeah, because I'm active duty. No, yeah, of course sergeant airmen and everything. Yeah. Yeah, so so what do you like about doing this? learning something new My civilian jobs law enforcement and when I was in the Coast Guard it was law enforcement. So now I'm learning entirely out of my Knowledge zone. Yeah, so are you a police officer? I work in a prison. Oh, okay, so I mean this is totally totally different What is that? Give you a good change of pace or what? Yeah, it's different. It's not like I'm doing what I do at work Okay You're good. You're good, man. You're good. You're off the screen Let me think Let's see. So ten years in the Coast Guard Tell me about the people that you work with is What's that all about? They've been extremely helpful teaching me They've been we've had a lot of challenges switching over branches A lot of my records didn't track me. So the CS team was able to put all that in The intelligence guys were able to transfer over my security clearance, which DoD didn't recognize the Homeland Security clearance. So that was a whole pain and getting school dates So it was everybody's been super helpful to get me there Give me ready to start learning my mission. Yeah, just say just say for me You know my mission is to make sure the pilots are ready. So we're ready to serve our country Yeah, yeah My mission is to make sure the pilots are ready. So they're able to serve and Protect I think it's good. All right. So we're gonna get a little set a little 107th Ops X sergeant BZ ops maverick go ahead Copy tech 107th Ops Ops sergeant BZ Okay, copy that Ops S go ahead Copy that Ops S go ahead copy that For anything. This is just training. Yeah, okay. So, you know Yeah Copy that sir Is that filming or I am? Yeah. Oh trying to represent our arm as well. I haven't been to the tech school yet, but Two big things Nope, so can't log in yet And Obsessed go ahead copy that tech Obsessed good


Well, hello. Good morning. Good afternoon. Whatever time it is that you're joining us today. This is day two of our non-profit Power Week with Ida Bailey, specifically with Kyle Hendrickson. So he's joining us yesterday, today and all the days of this week as we move forward for this nonprofit Power Week with Ida Bailey. For those of you that joined us yesterday, we did have a live audience. Unfortunately, they're not with us today, but hopefully they're joining us just like you and they're here virtually. So today Kyle's going to talk to us about nonprofits being held hostage with ransomware and what that looks like for our NPOs around our country. So as we move forward in today's conversation, we of course want to remind you who we are. So Julia Patrick, hello to you. Good morning. CEO of the American Nonprofit Academy. And I'm Jaret Ransom, your nonprofit nerd, CEO of the Raven Group, and we are honored to be here day in and day out to be of service with our presenting sponsors. Again, huge shout out to Bloomerang American Nonprofit Academy, Thundereasing Academy at National University, Bee Generous, your part-time controller, staffing boutique, nonprofit thought leader, and the nonprofit nerd. So we are marching, get ready for this, towards our 700th episode. So Julia started this in March of 2020 with me, but she coaxed me in saying it was going to be two weeks. And so I think I'm being held ransom on some, on some occasions. You can find all of our episodes and archive just plentiful on Roku, YouTube, Amazon Fire TV, as well as Vimeo. And for those of you that are podcast listeners and we learned that Kyle, our guest is as well, you can listen to the nonprofit show wherever you stream your podcast. So as we move into today's conversation, Kyle, again, we are thrilled to have you here. So glad that we didn't scare you away yesterday. You did a fantastic job picking off with those top five tips for us. So again, Kyle's joining us, director of cybersecurity at Ida Bailey. Welcome back. Awesome. Thank you for having me back again. I'm glad that I didn't scare you away yesterday. Well, not a chance. Not a chance. Although you did give us some like scary things to think about. And it's really was amazing. You were a great sport. As Jarrett mentioned, we did our very first live studio audience remote. Now Jarrett's done some live remotes for us before at the big association of fundraising professionals conference that was held in Vegas. But this was really interesting because we actually had people behind us in the audience. And so Kyle, that was fabulous. And we were really, really honored that you would roll with the flow. And it was really a lot of fun. So thank you. Very cool. Well, I'm excited about today. Hopefully I can bring that same level of energy today as well. Well, I say let's get into it because we're talking about ransomware, which is such a frightening concept and we're going to get into this more. But what is ransomware and what are like the most common types that we can be that we should be on the lookout for?  It's a type of software that they're getting on your systems. And what it's doing is it's encrypting the data. And then in some cases, stealing that data. And with that encryption that it's doing, it's preventing you from accessing that data and it's holding it for ransom, ransomware, and they're asking for a payment for them to release that data back to you so you can access your systems again. And so how this normally manifests itself within an environment is someone clicks on a phishing email, or maybe we had improperly configured our systems or our network which allowed an intruder in they get that malicious code to run in our environment. And then all of a sudden we see the pop up message on our computer that says, hey, you can't access anything, and we'd really like to be paid so that we can give you access again. So, that's generally how it goes down. Now, some of these threat actors are pivoting. They are going to just extortion only business bottles. So they'll just steal the money, and then ask for payment so that they can delete the data and not release it publicly if you don't pay it, and they release it publicly so this in the case of a nonprofit might be our donor information it might be the people that we're serving. It's it's all the data that we are trusted to protect the releasing that are extorting you so that they won't release it, along with the typical preventing access to normal it type systems the our accounting systems are our how we serve our clients all that. Kyle, how often does something like this happen. So this is happening all the time. So this is one of the. So this and business email compromise are two of the largest cyber threats that we've faced as a nation. And so, when we look at ransomware across the world and I can only go off of reported statistics. So, when we look worldwide, North America, or specifically, the United States is 44% of all ransomware cases in the world are targeted at the United States. This is this is a very much an us problem. Yeah. I like that pun there us. Good job, Kyle. Yeah, I can only imagine that that is just so frightening but you, my friend, yesterday gave us so many messages of hope and you're going to do that again today I'm sure is to have some messages of hope for our nonprofits. So when we do encounter this because like you said it's happening all the time which sadly means it's probably happening right now. You know, as we are having this conversation. When do we share that information like do we share it internally with our staff and then externally with our stakeholders are. What do you recommend. Yeah, so the first step is to have a plan right.  So, nearly every state in our nation has breach notification laws, along with, depending on what industry year and you may have regulatory requirements to notify your regulatory body or just a certain timeframe with notifying people. This also is further complicated because it's based on where the clients you're serving or where the people you have data on live, where they reside, and that can be further complicated because it let's say someone is in Europe for a vacation or for an extended period of time but their their mailing address technically is in the United States, they may potentially still be subject to GDPR so European data regulations. So, this can be a mess so this is where, when we're start talking about how do we notify how do we transparently tell everybody that a incident has went down. We want to make sure we have a plan we're working with a marketing or a PR firm or someone like that, so that we can have our internal messaging consistent and our external messaging consistent. We also want to be making sure that if we do have cybersecurity insurance, we're working with a breach attorney that is part of that plan, so that we know that we're following all legal requirements that we have we're not opening ourselves up to further liability. Wow. Okay, I would have never guessed that this would have been the path that you drew for us. It makes me think that this is something and you kind of touched on this yesterday. You need to have your ducks in a row, and this plan as you just started stated, needs to be in full force before anything else because this is, this is too arduous just to think on the fly what okay this has happened what do we do now, you need to have that and it's affecting it this is affecting our friends our neighbors our communities and and everybody around us. Because when we look at ransomware specifically for those companies who have been through ransomware 25% have been forced to close for a period of time while they're recovering the the regular recovery time the average is somewhere about three weeks and it can be anywhere from 20 to 21 days is where I've seen the recent studies, but this is losing access to your systems to your it to everything you use to run the business in a technology era that we live in. What happens if you lose access to those systems and for extended periods of time. I feel like there needs to be a crisis communication plan for all organizations probably all businesses right for profit not for profit. And then the scenarios in, in which you know the crisis communication then is implemented and taken into effect. Right Kyle that message you know I, again yesterday for those of you that watched you know we kicked off nonprofit power week with Kyle, our new bestie yesterday and you know I learned for the first time of the cybersecurity insurance and so my first call would probably be to that insurance provider to then you know determine what needs to happen for our next steps and I'm assuming that they to have some boilerplate language that can guide you in this communication is that a correct assumption Kyle. We want to make sure that when we're doing our testing so we want to talk through this before it actually happens, and we call that a tabletop test. And when we're doing that, it is okay to be asking our insurance carrier. To participate in that observe and make recommendations based on what they've seen in the past. So that's an okay thing to ask of your insurance carrier. It's also okay to ask of other business professionals that your organization is working with whether that's an outsourced controller or an outsourced CFO or whoever's helping you with the finance side of things, they may have leadership expertise that they can lean on for things that they've seen in the past as well so I would. I would reach out to all of those other places that you already have a business relationship with, or a trusted professional you can work with that has been through these types of things for guidance and if they would sit in on a tabletop test. I want to go back to something because you mentioned something just now that I have never heard of until we started this discussion this week about a breach attorney. Talk to us a little bit more about that because I'm fascinated by that concept and it seems to me like that could really save a lot of future angst if you have this member on your team so to speak before it happens. Yeah, so this isn't something that you normally staff for this is something that when you have cybersecurity insurance, or if you don't, if you have your plan in place. You'll have identified those people who already know the legal requirements for notifying people if there is a breach of information. So these are these are lawyers that specify or that specialize in breach notification law and cybersecurity incidents so these are smart people they know what's up. They know all of the different regulations and requirements between all of the different states and all of the different countries that the people you're serving, maybe residing in and not every state not every country has the same requirements. Some may require within 48 hours, some might be within a week, it may have different definitions of what a breach is. They may have different definitions of what private information is so they may not all agree on if it was a breach based on their different definitions of what is considered sensitive information. So there's a lot of things to be considering when you're going through this, but having that trusted resource. And again, most likely through your cybersecurity insurance policy is key to make sure you're not subject to further, whether it's, I don't know if it's civil I'm not smart enough to know if it's similar or criminal but there's legal requirements around this so. I want to ask you a follow up question to that, because so often our accounting partners find internal fraud and financial mismanagement would be, would these be the same types of talents legal talent that would actually be able to interface with you outside of the cyber security issue but just in general fraud, or is this really more drilled down to the cyber security. This is really drilled down to cyber security so those people would be a good resource, but again we're going to want to find somebody in the legal profession that actually specializes in breach notifications. I feel like there needs to be some, and maybe there are maybe I'm just not privy to this information some round table discussions with other nonprofit peers about, you know, cyber security and being transparent with the stakeholders, because this, someone is immune to this like everyone you know this this could potentially happen to absolutely any organization and as we learned yesterday I believe the number that you shared with us Kyle was a quarter of a million dollars is like the the dollar impact is that could you school me on that again. Yeah, so. So I'm losing information from a study from the group I be out of 2022 so they look back through 2020 so this is current data. So this is the most recent data that I have in front of me, and the average ransom demand was $247,000 and and that's increased 45% since 2020. That's terrifying and as we as we mentioned again yesterday and for those of you that are thinking, man I missed a lot yesterday that's okay, you can go back and watch it. But that as we talked about you know that could shut doors that could really close down the organization and make a severe impact in the community. We're here from the funds that we have to support our organization and continue our mission of helping people where we're all in the nonprofit space to help people. And when we have unplanned expenses like this it takes away from our mission. Now let's move on to, I mean, one of the things and Jared alluded to this earlier, you were really specific and that you were here to deliver messages of hope, and when it all seemed like overwhelming. So you're telling us that we can do some things to prevent ransomware attacks. What would that look like. Yeah, so I think I mentioned yesterday that this isn't magic, and you can't just jump to the end of the monopoly board you can't just pass go get your 200 bucks and skip all the way to the end. It doesn't work that way. And adversary malicious adversary has to has to use the same laws of nature the same laws of physics that we do as defenders. They don't have secret sauce. And what I mean by that is an adversary still has to get malicious code on an endpoint they have to get that malware into your environment, or take advantage of some other way of logging into a system. They have to be able to survive a reboot. So if they don't lose access of a computer restarts, they have to be able to remote control that computer from somewhere over the internet because they're not physically in your office. They have to be able to elevate privileges they need to get more rights than what they have when they landed on a computer. They have to be able to find other computers to get to, and they have to leverage those other computers to continue discovering and going through that whole circle of that attack chain, until they find enough computers to infect and encrypt, or they find the data that they can steal and then extort you for not releasing it to the public so all of these different steps that it takes to get to disaster is an advantage for us as defenders, because we don't have to be good or we don't have to be perfect in every single stage of the attack. We just have to be really good at enough of them to catch things as an incident before there's any notification requirements, rather than waiting until disaster when we get all of this pain that's delivered upon us. I think that's fascinating. I think it's such an interesting process that you just walked us through, and that it's not just like this one and done thing that it does take time, and it is pretty substantial for the very fact that they're not sitting in your office. And I think a lot of times when we think about fraud in the nonprofit sector, and Jared and you and I have talked about this so much with different guests over this time, is that it's Betty Liu in accounting, or it's Sammy volunteer that comes in every Tuesday. But in this situation, we never see these people. And so it's the sense of lack of control or filtering that I think is so dangerous for so many of us because we just out of sight out of mind until it happens. Well, and the other thing I think about to Julia is, you know, so many people, when they start a nonprofit, they don't start it thinking, I want to do this because I really want to put a cybersecurity plan in place right. I mean, maybe some. Yeah, Kyle, you might have with an organization that you started because I'm certainly, you know, in your frame of mind, but you know so many organizations the founders the CEO, they just thrive in passion, and this is not an area of expertise so partnering with someone like I Bailey to really, you know, support because I as you said yesterday again I'm referencing yesterday is you know really looking at having those trusted advisors you don't have to do this alone and I think that's really comforting. Yeah. So I heard something just two days ago so I forgot to bring this up yesterday. And it's a little bit ridiculous but I think it kind of brings home the point. And this was directly from a client so compromises inevitable, but it won't happen to me. Why, because it's never happened before. Why would it happen now. It's not going to be me that's target so I, I thought of a different way to rephrase this. So no experience in the life of the turkey prepares it for Thanksgiving. Just because it hasn't happened to us in the past doesn't right isn't going to be happening to us in the future, and that we don't have a reason to prepare and understand what these adversaries are doing so that we can make sure that we're protected. Well, and they're becoming thank you for that because that's very poignant, I would say, but they're becoming more and more advanced and one of the things during coven is really this acceleration of technology. You know, I've mentioned my son probably more times than than I want to count right now but you know he's 12 and he's learning coding. And so there's so many other, you know, individuals around the globe that are so very attuned. To technology and the advancements of ransomware and cyber attacks and things like that that's what's frightening to me is, you know, yes, it might not have happened to us yet. But how do we prepare for that and prepare for the next like installment of what that might be because I feel like all of these. You know, as we talked earlier, fishing, fishing, missing all of those kind of dumb words, they're becoming more and more advanced. So, I think that's a good point. And when we start talking about that attack chain those things that lead up to ransomware. Those aren't exclusive to ransomware. These are the steps that all advanced adversaries are taking in people's environments. They just have different goals at the end of that. So, when we start focusing in on these common things there's common threads that extend across all adversaries as they're attempting to steal data or prevent our access to it or steal money from us. We're working through this attack chain. And so one of the things that from a very technical perspective that I like to reference is the MITRE attack framework. And so this is observations of all known attacks that have occurred in the past, so that we can look at the past to help us better protect us in the future. And so we came out in that whole attack chain methodology, so that we can start to look at what does initial access look like. What does that remote control look like, how do we need to defend ourselves. So is that specific to our like sites, our organization, is that what you're saying. That's everybody. So that's not specific to nonprofits. This is looking at all attacks across all industries. So this is a huge body of knowledge that we can reference as computer professionals to make sure that we're building solutions to cure upfront the right way at the beginning. Yeah, again, that prevention is so important and that's one of the things you know we don't want our NPO's to be held hostage by ransomware and these hopeful messages you're going to be here all week to provide them. So, so don't be alarmed as we they're watching listening, you know, this is really something that we're providing in partnership with I Bailey throughout the week. To really help you garner this insight because we know that you show up with passion and purpose for your community, not to create a cybersecurity attack crisis communication plan. As much as you need one. I don't think that's new. That's not the forefront of anyone's mind. Yeah, as Jared mentioned, this is a really interesting thing nonprofit Power Week, working with I Bailey specifically on the topic of cybersecurity for this whole week. If you missed an episode, or you want to make sure that you don't miss an upcoming episode, go to the nonprofit show.com where you'll be able to register for reminders, access the library of the archives. I mean, there are a bunch of different ways to stay with us on this because it is really one of those discussions that we're not having enough and as Kyle has educated us in just two short days. The extensive way that this is penetrating our nonprofit sector changing and it's it's vast and so been really interesting Kyle to have you on and talk with you again today. Kyle Hendrickson, director of cybersecurity with I Bailey coming to us. He was live with us in Phoenix, right after the show yesterday bless his heart he got on a plane flew back to North Dakota, and wow, here he is back with us. And so this has been really interesting thank you Kyle. Well thank you. And I think one last one last thought that I'd leave you with is, I, we're putting this into context of cyber risk. And we're talking about that all week here. But I think cyber risk is made up to this is all just business risk this is impacting our businesses, our communities and those that we're serving. Yeah, great point. And that, that makes it even more important to share this concept because it yeah because of the impact so thank you for that. Super valuable words. Again I'm Julia Patrick I've been joined today by the nonprofit nerd herself. I'm CEO of the Raven group. I'm Jared ransom. You have the perfect last name this week my friend. I know. Wow. I know I couldn't have asked for better a better name for this week but I'm not holding anyone hostage that's for sure. This is nothing within my wheelhouse I'm learning so much from you Kyle truly so glad that I Bailey you know again as as an accounting firm I mean I I send so many clients to them when it comes to audits and just overall financial support to see this marriage and the compliment that it provides to you know this risk prevention that is fascinating to me and it really just shows that I Bailey is a true partner in the in the sector we talk all the time there's 1.8 million registered nonprofits in the US not to mention those that are not registered but 1.8 million so we appreciate this nonprofit Power Week and the partnership of I Bailey. Super powerful. Hey again we want to thank all of our presenting sponsors who are with us day in and day out they include boomerang boomerang American nonprofit Academy your part time controller be generous fundraising Academy at National University staffing boutique nonprofit thought leader and the nonprofit nerd. These are the folks that really help us have these conversations and to remind everyone Kyle's going to be back and so if you've got questions for him or comments go ahead and send them our way you can access that through the nonprofit show.com or or connect with us on social because you you know I'm sure as we have there been a lot of questions that have come up and just new things that we're hearing and so we want to make sure that while we have Kyle here in the hot seat we get those questions answered. Friday we're going to put him literally in the hot seat he and I will cover our ask and answer so if you do have a question send that in and we will add that to our Friday or as I like to call it Friday ask and answer so. Yeah that'll be amazing because so much new vocabulary new concepts but we really need to move this discussion to the top of the heap yesterday. Jared you asked me a question at the board service that I do. If you're if we're being if we're talking about this or hearing about it and we're not not enough and so this is this is one of those things. Well as we like to end every episode we want to remind ourselves our viewers our listeners our guest to stay well so you can do well we'll see you back here tomorrow everyone.


We're here at ITU Telecom World 2016 in Bangkok, Thailand and I'm very pleased to be joining the studio today by Sunit Singh Tuli, who is the Chief Executive Officer of DataWind. Sunit, thank you for having me with us today. Thank you for having me. I appreciate it. Now perhaps we could start off by talking a little bit about DataWind, about what you produce. I know there's some very interesting stuff there, so perhaps you could let our viewers know what you're up to. Sure. So we're based in Mississauga, Canada, but we're focused on bridging the digital divide, primarily in developing countries. So we do that one by focusing on creating very low-cost tablet computers and smartphones. We are globally known as the world's lowest cost producer of tablets and low-end smartphones. But we bundle those with free internet access, and we also provide internet access at about two dollars a year. So we focus on the hardware, we focus on access, and then we add to that content primarily around education and provide a complete solution to entry-level consumers in the developing world. And what countries are benefiting from this? So the first market that we really focused on is in India. India, well over a billion people that are still not connected to the internet, and where really the reason for that is the affordability gap. We've become the largest supplier of tablets in India, 35 to 37 percent market share consistently over the last many quarters, double of the number two player. In Latin America, we are in Mexico, Venezuela, Nicaragua, Guatemala, I'm missing one, I think Colombia also. In Africa, we are in Nigeria, Senegal, South Africa, Rwanda, in Zimbabwe. Fantastic. And what's the reaction been like? Very strong. We entered the Indian market in 2012, we had no brand presence, we didn't have an identity and we're expected to compete against Samsung and the big boys, and today we do double their numbers for tablet computers in the Indian market. And the reason for that is that we sort of position these devices as the poor man's computer as the first computer that somebody whose monthly income is $150, $200 a month could take advantage of, and they primarily do so for education. So the device with a year of internet access and educational content all for sub-$30. And how'd you do it? Well, first is we shift the burden of margins. So instead of focusing on margins and hardware and access, we realize that once somebody's connected to the internet, the ecosystem of content and applications and so on all comes alive, and we maintain sort of very minimal margins on both hardware and access, and then we add to it the content and so on. So first by not trying to focus on trying to get margin on hardware and access, we reduce that. Second is with regards to hardware, we call it the concept of the good enough. You don't need the sort of next great iPad killer. You need something that will function, give a good web experience, play HD video, run the latest Android operating system, that's what we run. And that's good enough. We don't need to have the octa-core processor with more RAM than you know what to do with and so on. Second is we've created technology on which we've received 18 U.S. patents, a compression acceleration technology that reduces bandwidth consumption by factors 30 times. So our patent technology not only compresses and accelerates the delivery of web pages, but because it consumes 10 to 30 times less data than what a normal web page would take, the cost of delivering it from the access is very low. So we've applied to be a virtual operator in India. We expect to receive a license from the government before the end of this year and launch our own solutions to the market delivering about $2 a year type of internet access for that target customer. Now you're here at ITU Telecom World, I wanted to find out from you, what has been the benefit of being here? Huge. This is a great place to meet both telecom operators and regulators around the world. This is a great opportunity to meet with government officials in developing countries who'd be enthused by our effort to build the digital divide and it's a very relaxed environment to do that in. Great. Well, thank you very much. I wish you the very best of luck and it sounds like fabulous projects and I'm sure you've got plenty more up your sleeve. Thank you so much. Thank you for having me.


This is stock number 10590. We are here at Summit Automotive in Fond du Lac, Wisconsin. You're new and used heavy-duty truck headquarters. Today we are checking out this super clean 2013 Ford F350 crew cab short box single rear wheel. This truck has a 6.7 liter power stroke diesel. It has been fully safety and inspected by our service shop has a fresh oil and filter change. All the fluids have been checked and topped off and this truck is 100% ready to go. Autumn red metallic over pale adobe is the color scheme. We shoot all of our videos in 1080p 60 frames per second so if you have HD capabilities on your computer tablet or smartphone device turn them on right now because it is definitely your best way to check out the quality and condition of the vehicle before seeing it in person. If you want to check out all the photos on this truck in the upper right-hand part of your screen is a link right to our website. Click that and check us out. There comes with the 20 inch factory alloy rims with the chrome covers. They are in really nice shape and it has BF Goodrich all-terrain TA KO2 LT 275 65R 20 tires on here and they are about half the tread frame and underbody for being 2013 out of Minnesota is in really nice shape. Driver's side front fenders in excellent condition. I didn't see any denser dings on that. Front bumper and lower valence are in excellent shape as well. Didn't see any major dents or dings on there. Grille is in nice condition too and the hood I didn't see any dents or dings on that. Passengers side front fender is in great shape too. No dents or dings on there and the passenger side rim is in really nice condition as well. As you go down this side of the truck take note of how clean the body is how reflective and mirror like that paint is. We take these HD videos so if you are far away or even if you're close by just cannot make a trip down but you're still interested in purchasing the truck you can see the truck hear the truck and have confidence in the vehicle that you're looking at before you even get here. Cab is in excellent condition and that's why we offer the summit auto fast pass option in the upper right hand part of your screen link right to our website where you can apply for financing get pre-approved see a payment quote even appraise the trade off from the comfort of your own home so when you get here all you gotta do is drive the truck and love it. Frame and underbody looks pretty good has all the remaining factory exhaust and the lower rockers I didn't see too much corrosion on them. The back rim is in excellent shape as well no scuffs or scrapes and you do get the King Ranch caps on the back and the back tires have just about as much tread as the front tires. You get a B&W gooseneck hitch you can see the frame and underbody those box rails look pretty good not too bad and it does have the chrome tipped exhaust once again that box is in excellent shape and down as we come around to the back of the vehicle the rear bumper is in really nice shape you do to get the full towing package which includes a receiver hitch four pin and seven pin wiring the tailgate is in really nice shape as well I didn't see any major dents or dings on that and it does have a gooseneck hitch and a spraying bed liner comes with a roll-up tonneau cover and it has a seven pin wiring back here as well. Tailgate shuts nice and solidly and as you go down this side the truck just as clean as a passenger side mud flaps keep your lower rockers looking great and for full disclosure this back rim just as nice as the rest very clean down this side does have the driver's side door code entry we do have the code for that has the telescopic tow mirrors they are heated and have built-in directional signals inside the King Ranch package gives you the King Ranch brown leather interior you get the King Ranch name and logo embossed into the back rest no rips or tears these seats always do get a little bit of no special wear to them a little bit of character comes with factory floor mats auto headlamps and power pedals power windows power locks power mirrors memory driver's seat and these mirrors do telescope out and in that side telescopes out and in as well and you do get the sony sound system as we hop inside the truck you can see that this one has 75,406 miles instrument cluster is very nice and clean you get the King Ranch leather wrapped steering wheel bluetooth and information center or audio controls in the right cruise and information center controls on the left that steering wheel also gets a little bit of character with that leather as well six-speed automatic transmission comes with the my Ford touch radio you get AM FM and Sirius XM radio capabilities you also get factory navigation system there your AM FM and Sirius your climate controls are right here you can do the stuff on the screen or you can do it down here with the buttons same thing with the radio and you also get heated and cooled seats in the front and this one also has heated seats in the back turned out four-wheel drive stability control factory brake controller four upfitter switches 110 volt 150 watt plug-in and then you do get a 12 volt power point there of course it has the think the sync system to connect to your bluetooth cell phone device passenger side seat and floor mat are in excellent condition the headliner is very clean inside this truck I don't think it's ever been smoked in smells very clean as well do you get the power sunroof your home link buttons for your garage door security systems and lane systems your sunroof and power sliding rear window controls as well as your map lights we'll take a quick look at the back seats and then we will check out under the hood the back seats are just as clean as the front seats no rips or tears back here you get the power sliding rear window with that built-in rear defrost king ranch and boss backrest back here as well you do get a locking container back here that locks with the ignition key factory floor mats and carpetings very clean back here as well and you do get a hundred ten volt hundred fifty watt plug-in behind the seats you get the factory subwoofer as well as the latch tether anchors there your heated seat buttons you do get the child safety locks on the back doors bombs the doors look pretty good and we'll take a quick look under the hood I would personally like to thank you for checking out the video today and hopefully from this HD video you'll been able to tell just how clean this truck is all the way around inside and out under the hood we have the 6.7 liter power stroke diesel engine base very clean runs very smooth this truck has been fully safety then inspected by our service shop has a fresh oil and filter change all the fluids have been checked and topped off truck has been gone through mechanically 100% and is 100% ready to go see more pictures of this truck or one of our other 450 new and use cars trucks SUVs minivans wranglers halftones quarter-tones one-ton you name it we got it go to our website www.summitauto.com full pictures and descriptions of every single week from two locations all at summit auto.com and if you'd like to check out more HD videos you can go to youtube.com slash summit auto remember to like subscribe and share on this video and all the videos that you see there in fact in a second you will see link to subscribe to our YouTube channel on your left a link to more Ford F-350 videos like this one on your right if you have not been or a website on the bottom link to this vehicle on our website click those check us out and we really look forward to help you with this super clean 2013 Ford F-350 crew cab short box single rear wheel King Ranch power stroke diesel in autumn red over adobe thanks again


Well, the season didn't go as planned for the Minnesota Timberwolves, finishing 13th in the Western Conference in a 31 and 51 record. With the offseason now in full swing, Tyus Jones has announced that he is bringing his summer youth basketball camp to Pillager High School. And here are the dates for you. June 16th, third and fourth graders will kick off the camp at 8am. That'll go till 10am. Fifth and sixth grade will take the court next at 11am. And seventh and eighth grade will wrap up the first day of the camp from 2 to 4pm. The second day of the camp, June 17th, is dedicated to high school. High school girls will take the court at 9am, followed by the boys at 1pm to 4pm. And if you want to register your child, you can go to tyusjones.com. If you've enjoyed this segment of Lakeland news, please consider making a tax deductible contribution to Lakeland Public Television.


What it is you two?  I've been posting this so long, I don't remember my name. Y'all, I really don't remember my name. That's crazy. Help a brother out. Help a lonely brother out. Oh, thank you. Biscuit. And look, today, I'm really disappointed in y'all. Yeah, I'm like incredibly disappointed in y'all. You know why? Because look, I know every time Juice Will Drops a song, it's like a job of me to do a lyric print, right? And that's how y'all see it, right? Y'all like, oh yeah, Juice Will Drops some heat, so Biscuit's gonna drop some heat. You know what I'm saying? And I understand that. But the fact that this song dropped, cigarettes dropped, and y'all all was commenting and messaging me, where's the lyric print? Where's the lyric print? Like, I didn't already do this song when it was unreleased. That's some fake support. I ain't going, why? Yeah, I should have already known I already did this. I didn't do this video. The only reason why I'm doing this video, I mess with y'all so much that I'm like, you know what, for the people who don't already did it, I'm gonna do the video again. I'm gonna do another lyric print with this song just because I mess with y'all. If that's not enough to like the like button, I don't know what is enough to like the like button. You know what I'm saying? So yeah, I'm gonna do a cigarette on, it says crush, but y'all know how I'm gonna crush it. I'll just be texting any girl. Let's be real, Brad. If I guess something out of it, I guess something out of it. If I don't, I don't, it don't really matter. Let's start. Y'all knew y'all gotta subscribe. And hit that post notification bell too while you're here. Might as well like why not when you're here. Do it. It's free and it helps me. Come on, Brad. Like, we in this together. Kuna Matata, you know what I'm saying? This format, this video is gonna be this format because I haven't done this format with this song. But if you wanna see a cigarette lyric print in the other format, the old short format, just go watch it. It's back there. You can watch both too if you want. You know what I'm saying? Support more. All right, y'all. So I didn't delete our messages because usually I delete the messages between me and anybody because I don't want them to be seen because they'd be private, but this stuff is really nothing. It's just a lot. We literally hung out yesterday. It's not the ash y'all thinking. I wish it was ash cash. I know what y'all, when I said ash, I know you instantly thought ash cash.  And I wish that this was her. But sadly, it's not. And sadly, this girl is white. She's not the ash cash. We want her to be. She said what I'm doing. Low-key, I can just text the first juice world lyric because the lid kind of actually fits into what I could potentially be doing. So let's just do that. Smoke, cigarettes, cancer in the chest like cardiac arrest. My brother died to lung cancer. What does that got to do with me? Girls got the mentality of a five-year-old kid that's your babysitting and they tell you everything their parents do.  Do you need therapy? Little one, do you need therapy? Impress who? I'm just glad we got off that dead brother incident because I was not going to sit here and text you about that. I ain't going to lie. I wish you could do that for me, sad face. Why did you type sad face and then put the emoji to keep it together? I'm trying our cover for my dead brother. Bro, why are you bringing that up? They're like so like, bro. Yeah, I knew your brother died, but I still sent lyrics because I'm a gremlin nigga. That's one thing about having girl, girlfriends, they usually are like an outlet to explain stuff to in their problems. I'm not your guy for that, bro. I'm really not. Same here, after my brother died. I don't care about this nigga. Matter of fact, if I could, if I could find the body, I would smoke your brother's peck. I don't know why she keeps bringing him up if he'll keep pissing me off. You just said that.  Like, bro, you said the same thing about your brother like 18 times, but nobody said anything about that, bro. Same here, after my brother died, she literally just copied and pasted. She literally copied and pasted the same.  I already didn't want to do this song because I already did this song and I'm already feeling like not doing this lyric prank anymore. Why are you telling me that you need to change? And who's the girl? At least she's off the brother topic, bro. I'm addicted, I need some more work. Cigarettes? I'm assuming she's saying, am I addicted to cigarettes? I'm addicted to you. So then I can also put it to the next lyric. Wait, what? Why? Low key, y'all. That fits into the next... Hold on, wait, hold on, hold on, y'all. We can use the next lyric on that one. Oh, hey, healthy reminder. Y'all should follow me on Twitch. A lot of y'all don't know, but I do reaction on Twitch and I just have fun and just hang with supporters and talk channel on Twitch. Y'all should follow me on Twitch. If y'all think that YouTube content is amazing, Twitch is honestly better, bro. Y'all see a side of this, get people don't know, but let's get back into what she takes. She said, you been feeling low? It looks like you have an amazing life. Did you just stutter in text? I didn't even realize I said DOSDA. I forgot that was a lick. Well, focus on yourself this year and don't worry about anyone else but me. I didn't know I had kids out here. Hey, hold on. Wait, I never wiped any tears. You got me messed up. Whoa, wait, what just happened? Whoa. You think of the wrong, whoa. And no, I can't send the next layer because the next layer is going to make you think. No, we might have to skip some layer, y'all. Hold up, hold up. Nah, I mean being around you stops them.  This low key, I can get somewhere with this conversation. So I might have to save this for myself. I'm not going to lie to y'all. So these licks, we're not sending them more licks because all the other G-spawn licks are not gonna be good. So I'm gonna probably end it with that lyric. Recovery 108. Tell me who got the best recovery. If you don't say a biscuit, you're lying. But I'm still not over my... Yeah, okay, yeah, nah, yeah. We're done here. Nah, we're done here. I'm not finna...  If I would've knew that information, but I would've still sent more lyrics and made her cry or something. You can't say that on Black History Month? That's a waste of my time. That was a complete... Follow me on Instagram, y'all. Yeah, because, like, why not? I want to do more DMing, like, celebrity videos and, like, rappers videos. I need more followers so, like, they respond. It's kind of hard to have people respond with, like, 15k or 16k or something like that. You know, if I can get 20k, there'll be, like, a better-looking number. Help a bro album. Help me make better content, bruh.  Follow me on Twitter, tweet, you know what, Ness. I wish there was groceries to get. But there not.