good morning everybody so I'm here with you today obviously to talk about GDPR compliance what it is and how it affects you it's not the most fun topic but I'm gonna try to make it interesting for you guys so I wanted to begin today with a little bit of an introduction about myself I'm the CEO of host tuplex I've been in the hosting industry for about 20 years I started my first hosting company when I was about 13 and a few more along the way we are a managed WordPress hosting provider I'm also the chief information officer at mandala it's a cryptocurrency exchange I primarily oversee all the security operations the audits and defending and thwarting off any cyber security attacks I'm also very passionate about data privacy obviously with why I'm here with you today and educating clients on security I'm a huge college football fan especially in the Big 10 I went to the University of Iowa and a big word camp enthusiasts I wanted to preface this session with you today by saying that I'm not a lawyer my guidance or advice is only to allow you to become more familiar with GDPR and help you understand the concepts that are behind it however for the most detailed rules and regulations I highly recommend seeking the advice of counsel now I want to begin today by sharing a quote that comes straight from the official EU GDPR website and that says that GDPR represents the biggest shakeup of data protection in over 20 years now you may ask you know what is GDPR even stand for so GDPR stands for the general data protection regulation and its primary objective is to give citizens back control over their data now believe it or not you're actually under surveillance right now your cell phone that's in your pocket is tracking your every move the apps that are on your phone know where you are your supermarket loyalty card knows lets companies know about your age your sex your purchase habits they can even estimate your beard length and they know your favorite items before you realize they're your favorite items and GDPR aims to address these issues or at least make you aware of them now while this is an EU law affecting EU citizens my hope is that other countries adopt similar laws perhaps ones that are a little bit more refined now how many of you have heard of movie pass good most of you so for those of you that don't know movie passes a movie subscription service I think you can see X number of movies per month I feel like it's constantly changing for $10 a month and anyways the CEO of movie pass was recently giving a lecture speaking in front of a Hollywood audience and this was maybe earlier this summer and he was essentially bragging about their data collection practices and he was saying that they're tracking users three hours before and after they had left the movie theater and you know companies like movie pass you know they're taking our data they're creating a data profile of us and they're tracking us and the problem was that the movie pass CEO you know he didn't explicitly disclose to his customers that they were tracking us or at least not until he was in front of that Hollywood audience and this is where a law such as GDPR would come in and allows for transparency it requires that explicit consent and you know now I want you to imagine what would happen if this data would get into the wrong hands how many of you have heard of Ashley Madison good most of you as well so for those of you don't know Ashley Madison is an online dating service that offers an apparent escape from the banalities of marriage it's marketed primarily towards married individuals and their company motto is you know life short have an affair so so about two summers ago Ashley Madison was informed by a group of hackers known as the impact team that they had their company members user data and the impact team essentially said you know if you don't take down your website we're going to release all your users data and I think they gave them about 30 days to comply and the CEO decided you know not to he didn't believe them or for whatever reason he you know he didn't take down their website and lo and behold two months go by and they release the data of 36 million users now immediately after the attack social networks in the media were overloaded with these pejorative overtones which mostly came from the unfaithful users of the website which we happen to know now we're mostly men and who are also all the sudden these data privacy activists and on the other hand a lot of people consider them these hackers to be these benevolent donors to society and at the end of the day you know this one data leak upended the lives of hundreds of thousands if not millions of people and my takeaway here is that these examples don't apply to sites just like Ashley Madison it applies to your profile on Facebook your purchase habits at your grocery store at hospitals at credit your bureaus at banks and my point is that privacy and data privacy should be a fundamental right that we as individuals have a recent study in the EU showed that three out of four EU citizens don't feel in control of their data and in fact 90% of the EU is concerned about data collection without their consent in which contributed to not shopping online 35% payment security concerns 28% trust concerns and 29% privacy concerns and with all these ubiquitous data breaches that are occurring every day this really begs the question you know how are we going to grow an economy if we don't have trust and continuing on the objectives of GDPR its goal is to strengthen the individual rights when it comes to data privacy and to unify data protections and facilitate the flow of personal data now a little history about GDPR it was initially proposed back in January of 2012 the regulation went into effect in May of 2016 and it was just enforced a few months back in May of 2018 now there are some really really steep fines for those are that are non compliant it's 20 million euros or 4% of your annual revenue whichever is greater the law itself is really quite long and vague it's 260 pages 99 sections and well I definitely wouldn't say it's the perfect law by any means in my opinion I think it's at least a step in the right direction now a lot of people are concerned about how this affects WordPress and I think it may be affecting WordPress only but in fact it's CMS agnostic this applies to everything to every platform there is out there Shopify you know whatever so please don't run away from WordPress just because of you know GDPR so you might say Sam you keep saying you know EU EU EU you know what does this have to do with us right well the EU is taking the lead on data privacy and in fact they are able to assert this over us using something called long arm jurisdiction or extra territoriality and this is where a local court can assert jurisdiction over someone at another state or in this case from the EU to other countries who process the personal data of EU citizens and so essentially it really applies everywhere to anyone who is processing the data of any EU citizen I may say you know Sam I don't have any EU clients you know why does this matter well you may be collecting EU user data and may not even know it and they don't have to be your client this can come by way of a contact form mailing lists comments on your website somebody's inserting their email address in there through live chat beans obviously if they're a direct client other CMS and integration systems that you have built in into your website now what counts as personal data that could be things such as your name your address obviously your social security number or national identity number any type of genetic information that also includes your race your ethnic origin any other health data your geolocation data your IP address data any any type of identifier that can be tracked back to you counts as personal data now I wanted to review the eight data subject rights these are the rights that are included in GDPR the first one is the right to access this law states or this right states that we must provide access to an EU citizens personal data it's really similar to how you would go and obtain your own credit report and it states that no fees should be requested when you are exercising this right and when somebody does request this right you have 30 days to comply next is the right to be informed which states that individuals have the right to be informed about the collection and the use of their data it is really the what the why and the how you know what are you storing why are you storing it and how are you storing it and this right also states that you must provide an individual with clear and concise information about what you are doing with their data all the information you apply to them should be easily accessible it must be easy to understand it must be intelligible and it must be free of charge the next one is a really important one it's explicit consent this means that there can be no room for misinterpretation everything must be done with clear and affirmative action and essentially nullifies implied consent or opt-out consent and in your sign-up forms your newsletter forms order forms you can no longer pre-check that box that says you know please add me to your mailing list the user themselves have to check that box on their own they must explicitly consent to doing that and it also the the right also specifies it must be as easy as it is to withdraw as it is to give consent so you must have those mechanisms in place next is the right to rectification and this is essentially just the right for you to have your inaccurate data to be rectified or corrected similar you have 30 days to comply as a business owner next is the oh sorry I forgot as I was traveling to Montreal a month ago they actually had a law already on their books they already have a federal law in place as part of their privacy act and I was on the plane they gave me a customs form and it's you know right here it says you know the individuals have that right to make corrections of their personal information so you know Canada's already ahead of us here at state side California just passed the California Consumer Privacy Act other states are trying to pass similar legislation Illinois Colorado I believe has one on the books so my point being that it's inevitable you know so whatever you do prepare for it now GDPR has already you know set the standard so it's better that you meet these requirements now next is the right to object the right to object essentially says that GDPR gives the individuals right to object to the processing of their data so say that you don't want a company to be sending your data to a third party or a marketing company you can actually request that and say hey I don't want you to be sending my data anywhere else and so that's this right gives you that ability to do so another important one the right to data portability it essentially states that you can request your data from a company and it must be in a machine readable formats so they must give you all of your data it can't be something that's that's mail to you it must be in like a CSV file an excel file a JSON file something that you can take to another provider elsewhere if you want to do that and in fact WordPress as a version 4.9.6 created additional GDPR tools to allow you to easily export and import or erase a user's personal data and they've now in fact also allowed you to designate a privacy policy page that can be shown on login and registration pages another is the right to restrict processing say that if in fact a customer is contesting data or inaccurate data on your website or on your platform they have the right to restrict the processing to be sent elsewhere and that gives them this right another really important one the one that's probably going to be the most used is the right to be forgotten and this allows for the ability to somebody to request the erasure of all their data from your platform so if you know i come to you and say hey i don't want my data on your site anymore this this gives me that right and you as a business owner have 30 days to comply and lastly it's the right to not be subject to automated processing so this is like you know when you are applying for a credit card you you send in your application and usually within 60 seconds a computer algorithm is making that decision for you and and it comes back with a result well with this right it says that you know you could have your application process by a human it's not going to be done by a computer algorithm now i want you to remember to keep calm for as you're learning all of this and prepare for gdpr and i wanted to give you a few tips on how you can prepare it and do so number one perform a privacy impact assessment it's essentially the you know the what the why and the how what are you storing how are you storing it why are you storing it look at where you're holding your data is it locally is it on the cloud is it your hosting provider what what third parties are you using are using mailchimp are using send grid or using i contact performing a security audit will actually give you a lot of these answers and and lastly you know update your privacy policy and notify your clients now i want to share with you a few tips on how you can protect your site from any sort of breach number one is a really simple one that not only protects you but it protects your clients this is involving the transmission of data between you and your clients so you want to make sure that you have ssl enabled on your website as of july i think it was july 1st google chrome started labeling websites as not secure for those that don't have https enabled so and now there's a plugin that makes it really easy if you're not already using ssl it's called really simple ssl so first you want to make sure you have an ssl certificate from your hosting provider or any other certificate authority you can some hosting providers give it to you for free otherwise they you know you can get it for a small fee and after you've got that installed just install this plugin in your wordpress site and it makes it super simple it changes all http links to https another tip and this helps with a little bit of adding obfuscation you know talk to your host you know look at keeping your database server separate this isn't you know a guaranteed safety feature but it just adds another layer of obscurity and and can help protect your site another important thing is you know look at your wp config file make sure you have restricted permissions on it because you know this file contains all of the important information about your site it contains your database username your database password i'm going to essentially is a layout offers a layout of how your website is where it's stored and how everything is made so make sure you have the the proper permissions on that another one which i see really often especially with developers people themselves even hosting providers and any sort of administrators oftentimes they create a backup of somebody's website and they leave that backup file right in the public space of the website and they'll name it you know backup.zip so you could you know if somebody does that you know you might go to my website say mysite.com and hackers look for these files they'll literally they have a bot that searches for mysite.com slash backup.zip so whatever you do you don't make sure after you take that backup make sure you remove it because it's it's so common. Another thing i've seen i had another client recently i saw who had done this is they had their wp config file and they took a backup of it and they named it wpconfig.bak and when you do that bots also look for this and so they can literally download your entire database set of credentials and they can read it in full text so make sure that you don't do this or if you do just at least move it out of that public space. Next is you know protect your wp admin interface you know WordPress itself has a lot of good inherent security features but this adds another layer of protection it helps protect you from brute force attacks so it's it's a it's a really good thing to add to your website. Another one is you know check your email header so if you if you ever receive you know a wordpress password reset request email if even in your own daily life personal life you know make sure that you're checking the email headers my mom called me three months ago and she's like hey Sam just like i got an email from the FBI i'm like mom the FBI is not going to email you so you know make sure that you know you check it make sure it's coming from a legitimate domain. Next is huge enable two factor authentication so wordpress has there are some plugins you can use they have a google authenticator plugin this protects you in the event that your password credentials your login credentials are compromised so there are these breaches happening all the time across all sorts of companies across the globe and if you have this this will at least protect you and what it does is it generates a random code on your phone and you can type that code in into your website there are also some hardware devices like a uber key but both work fairly well and you know please do this for gmail facebook you know do this for every website because it will really really protect you. A question i often get is you know do my plugins have to be GDPR compliant and the answer is yes if that plugin is storing any sort of data you know you have to make sure it's GDPR compliant and it's your responsibility to ensure that that plugin can also export and delete user data if necessary so if if you're unsure you know contact your plugin author make sure that it is compliant some really helpful plugins i wanted to share with you again really simple SSL the one that we discussed another one is WP security audit it's a really great plugin that will keep a log of everything that's happened in your WP admin interface if somebody creates an admin user if a bot creates an admin user if somebody changes a password it's all stored and the plugin actually can even keep this data on a separate database server to make sure that it's isolated there are some other two other GDPR plugins and i'm sure there are there's several more out there now one's called WP GDPR compliance and there's another one called GDPR and some of these actually integrate with like contact form 7 and several other plugins to make sure that your GDPR compliant on your contact forms as well now cookie bot is a great website it makes it checks to see use of your website cookies and ensure that your online tracking is compliant with GDPR and it's a great tool so you insert your website it's not foolproof i've seen sites that are fully compliant and this says that they're not compliant but what it does is at least it gives you a breakdown of all the third parties or at least some of the third parties you're using so if you if you don't catch something you can actually use this and you can see hey i'm using live chat hey i'm using you know some other third party and this may give you a list of those vendors that you're using now what to do in the event of a data breach number one you know contact your host make sure that you download all your logs from them save them because oftentimes hosts will rotate their logs and they may only keep depending on the host they may keep logs for a day they may keep logs for a week a month six months so you may want to check with them you may want to check with them after this actually and see how long they are keeping the logs next you know contact your third parties you know check with all your third party vendors see what they're doing you know and notify them if there is a breach and have a sort of plan of action in place you know know what your steps are know what you're going to do and should a breach ever occur and you've actually confirmed it you have to notify your designated supervising authority by the EU and you have to do that within three days and those powers they oftentimes they carry out audits on your website they can issue warnings for non-compliance and they can issue corrective measures to be followed with with certain deadlines and you know they're not going to find you that you know 20 million euros right away you know it's obviously for the most severe cases but you know but but they do help you know keep things in check and I'm assuming that slowly over time they're going to be enforcing this more and more now to recap on the the data subject rights I just wanted to review with them with you with them really quick number one the right to be informed the right to access the right to rectification the right to object and we also have the right to data portability the right to restrict processing the right to be forgotten and the right to not be subject to automated processing now there are some unattended consequences when it comes to GDPR a lot of people are saying well it's hindering innovation you know they're gonna have to spend a lot more money now on attorneys you know spending hundreds of dollars an hour and it's going to be really hard for startups for small business owners now that they have to be compliant with all of this a lot of people are also you know concerned about the blockchain you know the blockchain itself is immutable it can't be edited and you know people are storing all sorts of data now on the blockchain and you know GDPR's you know right to erasure right to be forgotten states that you know this data must be able to be erased and so the blockchain obviously has a conflict with that and so people are concerned about that another is now with GDPR I've seen companies just completely blocking the entire continent of Europe they're just denying access they're like hey you know we don't want any european clients we're just going to block that and that is affecting their ad revenues so there's a lot of things concerned with that also the death of free services you know people are concerned you know that gmail is going to go away or you know yahoo's going to go away or you know all sorts of these things and and so obviously you know it's a concern when it comes to data privacy so there are some things to think about when it comes to that now I want to share a book with you that I highly recommend it's called Data and Goliath it's by Bruce Schneier and if you haven't read it I highly suggest you do so because it is extremely eye-opening especially to those who may not be privy to IT cyber security and I wanted to give you a few examples from the book and how it in fact relates to GDPR and this is actually before GDPR was even enforced the author Bruce Schneier he describes to us you know the many unknowing ways that we cooperate with surveillance you know for example you know like I mentioned before our supermarket loyalty cards they take our purchase data and they provide us with discounts you know we have free services like facebook that take our data and provide us with ads and Schneier says that you know we cooperate with corporate surveillance because it promises us convenience and we cooperate with government surveillance because it promises us protection and the result is this mass surveillance society of our own making and that's a direct quote from the author likewise every morning when you wake up you put your cell phone in your pocket you're making an implicit bargain with your cell phone carrier you're saying you know I want to be able to make and receive phone calls in an exchange I'm going to let this company know where I am at all times and while that bargain isn't specified in any contract it's inherent in how the system works and GDPR today is changing that now in summary my takeaways are that I want you to remember that this is not just the EU this applies you know everywhere this applies to the US as long as it's an EU citizen it applies and they are able to enforce this with long-arm jurisdiction or extraterritoriality and even if you don't have any EU clients you you may still be affected you may still be taking in that data by way of a contact form comments and again when people are submitting their data you must obtain consent make sure that you know you don't have that that box you know pre-checked and you have to be clear and concise with what you are telling your your users your customers and again be prepared start now be prepared now because this is inevitable I promise you there's going to be a law coming in the US so get ready now that's it thank you all for listening if you have any questions sure go ahead sir so um one of the things I've sort of been doing a lot I run um I run two blue commerce websites and obviously those correct crookies to do their work right and um I've been noticing as I've been knowing about the web that a lot of websites have these pop-ups at the bottom of the bottom of their screens and say this website uses cookies do you want to accept and continue to be able to use this website right yes or no is that something that is that a gdpr thing and is that something that like worried about it is a gdpr thing and the question was is you know if they have a lot of websites now have these banners should we be doing that as well because of gdpr and my answer would be yes if you are using cookies and you're accepting cookies it would be advisable to do so um I think you can include in your usually in that in that bar it has a link to your privacy policy and if people accept um you know if they want they can view that privacy policy and see where you're you know who your third party integrators are so I would say it is advisable you know if you have if you're doing that there is a plugin I know there is but I'll have to get back to you on the name on that but I know there are some plugins for that sure right um I mean for your privacy impact assessment you just kind of want to see just assess you know for your own company or where you're storing your data what you're doing with it and then just disclose you know that type of information in your privacy policy um if is your question related to what if the EU asks you yes but I'm just kind of like how how how far back into the history of my site and my email and my retarded ads do I need to really explore um that's a great question um her question I guess would be to restate it is how far does she have to go back to be you know to be safe for many you know EU requests I would say you know be current as of right now you know make sure that you know at least you know who your third parties are who your vendors are that you're integrating with um you know you may want to ask an attorney or lawyer about that but I would say you know as of now you know that would you know be sufficient if if you know if you're still storing data at a third party you know if you know you are then you know and maybe you're not using them you know you want to obviously make sure that check with that vendor and make sure that all that data is gone and it's erased um but that would be my advice sure go ahead sir it's a great question um I believe google has some sort of integrated tools to to remove uh personal data um from their system that they're basically their you know GDPR compliant but no I don't think that that's in violation of GDPR no sure right right right yeah as long as you identify it's there and disclose it but um right but you know but it's not in violation as long as you're disclosing everything in your privacy policy and and you know to your users that you're doing that it'll be okay but um but right correct yeah you you want to look at all your plugins and any third party that you're using and integrating with via live chat make sure that they are all you know GDPR compliant and most you know large companies like google you know they should already have policies in place for that go ahead Sam so that plugin question about the cookie bar right just there's one that just simply called the cookie bar easy enough thank you so it's kind of a two part question sure I had a when I was pronouncing we got this notice of GDPR but can you tell one part of the question why would you say first where do I start because I know that they should do a full website assessment but for somebody right I mean it would depend upon the request you know say somebody wants to erase their data um you know obviously this would be a good way for them to get started yeah um into GDPR for a website market even told me shut down me right um you know yeah I mean they could they could do that you know if they wanted to I think you know similar steps you know just perform that assessment you know at least that will give them insight to how they're storing their data what their infrastructure is like um that's probably I mean they're going to need to do that so you know if they get that first request I would think that that's what they should be doing and then once they do that they can follow with a step of you know erasing the data or restricting the processing whatever that request is it is known it is very similar so I know the right to erasure is there but there's other restrictions in terms of some of it is not the same I don't know if there is a right to restrict processing but but there are similar guidelines it is very GDPR like in and of itself sure go ahead there are GDPR templates in websites you can use I can't remember off the top of my head but I can I can google it and we can discuss it after if you like but I know there are maybe he can share something and there there is a for those who are interested in following GDPR there is an attorney who I highly recommend just following online she gives great advice her name's Lisa Hawk she's with Everlaw she's on a podcast one of the Andres and Horowitz podcasts their adventure capitalist firm in Silicon Valley and that's Hawk with an E on the end she's really great she's been involved in a lot with GDPR security and compliance please sir so you could be in some other foreign country where it's something that's legal and they're going to come to trouble to rescue and bring it back to the United States and now we see the EU doing the same thing so where do you see this going I mean how ridiculous can this get because who knows what some other country might pass and how and how are they going to keep enforcing this like let's say it's a small country like Finland I'm just going to make sure what what's your opinion on that Finland make up a law that could affect everybody like this is affecting sure you is very powerful but maybe other that's a great question I would probably leave that up to a lawyer to discuss with you but you know I would say you know it the law is coming you know California's already passed a similar law so you might as well be paired when it comes to GDPR in terms of you know the rules are on extraterritoriality and long-arm jurisdiction of other countries I don't know if I'm as well versed in that but that would be in my advice you know maybe you want to consult with an attorney on that no please go ahead is there a reason to so um yes so so similar a lot of concern has come from mailing lists so people who are already enrolled in a mailing list and the a lot of the advice I've you know seen from attorneys and lawyers is that you know you can contact them again and ask them to re-opt into your mailing list so that could be you know something you may want to do or specifically you know of your European clients you may want to do that look to see if you know which ones are in the EU you can ask them to re-opt in so you know I would say that's the safest bet you know it's up to you if you wanted to do that or not sure go ahead some friends and some of my clients are on third-party platforms for instance one of my clients is on a boat selling program associated with M5 I'm not sure but they are collecting information okay like Amazon and ABB boats and others are collecting information from European customers versus credit card information you know want this and what they're looking for all kind of stuff now some of that actually gets passed down the screen to my client sure so when you get an order from some company through Amazon or other platforms a lot of there's a lot of information that it's been filtering out you don't get the credit card number but you might get other information get their email address get other information about what they're looking for comments etc etc so how liable are we for that when it's information coming from a major international platform and what's our responsibility I mean they're going to come all the way down the chain and come in to some guy at you know Silmar or something right I would think that you are still liable in some respects most of the liability I would assume would be on that major international platform that's selling this product you know it would order something from Europe they're going to send their their address right now you've got their name their address their email address maybe some other stuff you don't have the credit card number but is that something to be concerned about I mean I would be concerned about it because you know if that individual goes into that major company and requests their data to be erased they should be contacting that vendor contacting you directly to say okay this user requested that you know you now need to erase it from your platform so I would say you need to have those agreements in place I mean I know it's a headache and that's one of the hurdles with GDPR but yes I would say you know you would be liable in that aspect they say erase from the platform I mean is that a lot of this has been printed out papers there's papers stuff I mean you know not everything's just got a lot like you get an order from Amazon for instance and you know you got to print out shipping labels etc in fact most of us who print out the order the order itself would have a lot of personal information something here right so now what are you supposed to do go back through your files like send them the shredded documents again it's a great question yeah I mean I think um where are we at on that you know I think when it comes to certain things I think you can redact certain elements of your order you know I think it's probably best you know at the same time you know you ask your lawyer when it comes to specific things like this but I know like there's a lot of forums for example where people are discussing things in a thread and a user you know requests their data to be erased but that ruins the entire order you know of what people were discussing and so similar maybe to how you know the orders work people were saying you know they can just erase the strictly the personal information but not the entire thing so they'll redact certain elements of it but when it comes to that yeah I mean I think at the end of the day you still have to you're still responsible for for erasing when it comes to legitimate personal data um so it's it's something you know you you'd want to discuss right right I mean I think it can I mean I think people you know at the end of the day they're going to understand there's going to be you know maybe some things but you know I think it's it's also to be determined you know the law is just you know it was enforced you know a few months back I think right now they're going to be you know enforcing this at you know all the major companies and and but it slowly it's going to you know dwindle down to small business owners but I think the total effect of it is is yet to be seen I'm not going to endure and want to see your files in the garage because you've got thousands and thousands of old amazon over I mean I don't think they're going to come come that far but right yeah once it's more stateside then you may see more visible entities yeah yeah sure go ahead man so I have you know 7800 email addresses from people who subscribe to my blog it's kind of piggybacking off what you said I'm a little you that think I have a general idea what I need to do like update my privacy problem policy telling people what I collect how I collect sure but you know and I have seen those little cookie things and do I need to add that I feel it's like the smallest things are just so overwhelming right just blogging forgot that it is I mean if you're not accepting any personal data and you're just blogging you don't really have to do anything because I'm taking their email address that's why I have their name in their email right um then if you if you have an email address there if you're taking their email addresses you know just be explicit on that contact form you know you can have a small privacy policy page I would recommend you know and then yeah and just say you know I'm storing your data on you know mail chimp or whoever you know you're using um you know you're not doesn't sound like you're using any cookies you can use that cookie bot website it'll tell you if you're if you're using anything um but um I mean I think you're it sounds like you've got it well covered if you're just doing mailing this well piggybacking off what she said if I go back and you know some of these people subscribed to me five six years ago I'll never hear from them you know right because I've gotten those emails from people and I'm like I'm like you know yeah right I've got too many other things going on right I mean no I'm not using mail check I'm using a plugin through WordPress that sends out emails when I post okay yeah yeah we've got just a few more minutes for questions sure go ahead they're talking about exactly what you're talking about and I'm not going to go on the record and say what is it they say but just put your mind a little bit the extraterritoriality and small bloggers because people are out there asking the exact same questions right but just doing a little search the fear of God is yes go to a reputable watch one of these free seminars it's not as scary as that's the argument that's it in the town it's not excellent sure are you seeing a similar thing in the US that's going to maybe conflict with some of these things from Europe and you see any kind of trend going where in California somebody's going to say hey we have our law and we don't really care about your law because we've got our own privacy thing and we're not going to enforce this I mean there could be you know there very well could be state-side legislation that says you know you know you have to keep data for x amount of time and the e-law may say something that you know you have to erase it so there could be some conflicts you know that's you know to be seen but right now I think you know GDPR has set the bar and and it's you know they've taken the lead so it's better to I would say my recommendation would be to follow their guidelines and then you know we can modify them as you know laws here in the US make their ways all right well thank you all for coming I appreciate it


Hello, this is LaptopMedia, and today, we will show you how to open the MSI Sword 15 and what's inside of it. To take this device apart, you need to undo 13 Philips head screws, one of which is hidden beneath the factory seal sticker. After that, pry the bottom panel with a plastic tool, starting from the front. Please remember, it would be of great help to us if you just hit the like button and subscribe to our channel. That would motivate us to make even more and better videos for you. Inside, we see a battery with a 53.5 watt hours capacity. It lasted us for more than 6 hours and a half of web browsing, or 4 hours and a half of video playback. It is easy to remove, as it's held in place by only 3 Philips head screws. In terms of memory, you get 2 Sodom slots, for a maximum supported capacity of 64 GB in dual channel. As for the storage, there is 1 M.2 PCI EX4 slot on the RTX 3050 and 3050 Ti versions. In addition, you get a 2.5 inch SATA drive bay with an included connector. Here, the cooling comprises a total of 4 heat pipes. Two of them are dedicated to the CPU, while the other two are meant for the graphics card. Thankfully, both the VRMs and the graphics memory are being cooled. If you'd like to see more disassembly videos of the latest notebooks we would highly appreciate if you hit the like button and subscribe to the channel.


Great welcome everybody to the live stream. So today just says the thumbnail and title suggested We're gonna take a look at what it's gonna take to actually ditch the US dollar and get into what will be called The you on hedge so take a look at you on versus Bitcoin and where things are going also We'll take a look at which I think is probably the more important of everything that we're gonna talk about today Which is lessons from the first Bitcoin or Hal Finney, so we're gonna take a look at who this gentleman was and Some lessons that he gives out that are pretty important going forward and lastly we'll take a look at some Issues with mass adoption or mass adoption coming through take a look at the Voyager debit card coming out Staking on storm x and also we're talking about Tom Brady space x and world mobile tokens That'll be the very end at the very very end will do five questions in five minutes So hold your questions to the very end and we'll go over all those things But first let's take a look at the market and what is going on and just so you know if you're for the live stream Welcome on a Sunday. Good for you Thanks for stopping by I appreciate it if you're watching the recording Just know there's gonna be timestamps below so you can fast forward to all the things you want to do But everything's in a linear manner So you just easy tears to watch the whole thing and then if you want to continue on with learning things about crypto There's a lot of sets go to Dan to just crypto.com 100% free Always is free always will be all that great stuff. So let's jump in shall we this is what is going on with today and The market actually I cannot be right. I'm gonna refresh this Probably wow Well, let me show the data Show the data. That's pretty good actually 1.9 trillion or almost almost knocking on 2 trillion It seems like we go back and forth Bitcoins down a little bit. It's Sunday though. I mean it's Sunday. The markets aren't really moving too much There's thin liquidity the order books are kind of down It's just how it is if there is down a little bits and things should be down. What's up? Is anything up? That'd be nice and Bitcoin cash Bitcoin cash If they're in classic is up 20% why? Who knows then take your take your take your pick of why it could be up the Bitcoin classic 4.4% for Thor chain nothing really great So that's what's going to market and I don't need to tell you because you probably check your portfolio all the time so let's jump into today's top story and it's not Today's on a Sunday. It's just one of those days where it's like, you know There's not a lot of news going on and I just was reading this yesterday. I thought it'd be good just to bring up It's really it's really a thought experiment. So Before we get into it and we talk about how this economist talks about how Saudi Arabia and China are Looking to ditch the dollar for this new oil deal. Let's just agree on something for me We get going nobody know nobody knows all the facts Nobody has a crystal ball. Nobody knows exactly where we're going. This is really just for edutainment in all honesty so I know when after this video is over, of course, you know all the economic wizards and geopolitical masterminds will tell me how crazy this was the things that I'm talking about but it It's it's just one of those things where like it doesn't really in the grand scheme of things Do all these things even really matter and do we have all the information to make the best decisions? Well, no one have all the information, but we have some and that's what I'm bringing to you today So this is what we're talking about. So this is all about ditching the dollar There was some pretty interesting pieces About what's going on in the macro environment and how things are working and where people are looking to put their cash And these what I think is a risk-off asset So there's reports of a Saudi oil deal price in China's currency that could signal unease with reliance in the US dollar According to the specific economist and China plays an outsized role in Africa, which is the most like a place where it could Displace a dollar I just thought this was interesting because this is a lot of things that Cardona was trying to do and a lot of different digital assets trying to do Going into Africa because they see it as the next place of an economic I Guess the resurgence. I wouldn't say an economic superpower, but it isn't it is an interesting play So anyhow, here's what we got a potential Yuan based oil deal between Saudi Arabia and China Could signal more unease with reliance in the US dollar. You're gonna see this story a lot especially with the price of oil rapidly going up While also serving as a preview of how Beijing could advance its currency in other parts of the world And some analysts to downplay the chances of a Yuan deal pointing that the Saudi a real I think I said that right is Peg the dollar Helping shield its economy from volatility. So this whole article It's it's pretty deep, but it made me think a lot about like well, how stable is this real how stable is the dollar how stable is the actual You know you on so to do that. We're gonna take a look here. You can go to market watch Dot-com Investing and forward slash currency a link in the descriptions. You have to remember all itself I just said but this is the Saudi real and It's it looks like it's pig to a basket of different ones But one of those being the US dollar and I got to tell you when we're taking a look at charts When in doubt zoom out is not just for crypto. It's also for every other different Currency that is out there even in stocks and things like that. So this is the one-day chart You really can't get too much here, but if we let's zoom out Let's say six months or so There's a little bit of variance here, but we're talking about $3 $3.75 excuse me real to the US dollar 3.754 that's very actually pretty stable if we zoom out even more. So let's take a look at a year That's pretty stable three years Let's take a look at max or all Besides this over here, which isn't it's 3.769 3.75 that's not much of a percentage. What's the percentage difference? Yeah, it's like 0.5% of the last cheese. Is that right? Yeah 10 12 14 years or so So when they talk about this being pretty stable it is And then if you want to get into well, maybe they would ditch that for something else. Well Take a look at this This is the Turkish lira and We're talking about here is volatility and if you want to take a look at volatility This is massive volatility. So if you take zoom out here for the Turkish lira, this is one day It's not so bad. It's uh, it's 14.8 Turkish lira to the dollar or maybe you know, whatever So how about a month? What happened here? We had 13.6 Now it's 14.8. So if you're I don't know walnuts cost 13.6 one day and then in a month later, they're 14.8. You're like, hmm, that's not so great What about in six months? Okay, now we're talking now. It's looking pretty crazy. It used to be 8.6 for those for that walnut and Now it's 14. Now you've doubled in six months, but let's take a look at a year. Oh This isn't going good and then three years. So that is a sharp contrast Between some that's pretty darn stable the real cuz it's pegged the US dollar as opposed to The Turkish lira, which makes me think about this. Well, how stable not the dollar is the dollar, right? But how strong is the dollar over time? So again, if we take a look at the one day Why is it get the MACD I don't need that so this blue line here That's the actual price and then the black line is a simple moving average. So you're looking at 98 9817 936 yeah, you can't you can't do too much in one day. How do we take a look at six months? Dollar is pretty stable as far as like the strength of it 93 and actually it's gotten stronger on this one 99. How about we do like a year? two years The strongest it was in 2020 was 102 not come over here So again, if we're taking a look at things that are stable, it's a five. That's over five years essentially the same thing 10 years It actually is stronger now than it was back then because it's a it's the strength of the dollar in this one Which leads me to last one, which would be the Chinese yuan So how strong is the is the Chinese how much does it fluctuate? Well one day? We can't tell squat right about in a month. So not too bad 6.3 How about we take a look at six months? It's actually gone. It's actually got a little bit stronger again a bound. How about a year? So so and then how about three years and actually we really want to take a look at let's take a look at the percentage wise So We've got a negative point two negative six and let's take a look at all Three actually stable if you want to take a look at it negative well not too much now you take a look at percentage wise negative 20% that's over gosh 1014 years or so So when we take a look at these things and we say well, what is what is stability and what is volatility? If you just take a look at those type of metrics You can see that there's a little bit more Volatility and other things that are out there now you as a nation do you want to deal with that? You want to take everything in the you want well you could but then you have to deal with all that So one reason Saudi Arabia is considering an oil deal and you want is because it would create exposure To a currency other than a dollar and affords the country a you on based hedge and that is an interesting Descriptions I've never heard that before and tell this article, but it makes a lot of sense if we again We took a look at it The you on was a little bit more stable than say the lira, but I mean not as much But if you were another country, you're like well I don't really think that the dollar is going to remain strong especially all the printing that's going on So maybe it actually could another factor could be the Saudi zone Anticipate a dollar to be as stable moving forward and I think we all know about that because look if we were actually being honest and This was a an ad for Bitcoin 2022 the the Bitcoin conference in Miami and it's first of all It's great marketing I will just say that and it says 80% of all US dollars in existence were printed in the last 22 months First of all great marketing second of all, it's a hundred percent true So if you're other countries, maybe look at this and go and you know what? I don't know if I really want to trust the dollar anymore because they're printing it like it's going out of control how much can they actually print and I think it's a fair point and To finish this up There's two things that must happen for China's Yuan to establish a cell as a reserve currency Imagine that the Chinese Yuan is a reserve currency first Global faith in the dollar would have to wane and of course we just saw there's a couple there's a couple of good reasons Why it's printing out of control and this could happen if the Federal Reserve Fails to get inflation under control or if it veers from its usual predictability Second China have to prove the long-term stability of the Yuan to win the trust of other nations But China devalues its a currency occasionally to boost exports and countries won't want to hold a Currency like that which leads me to the last points of what's going on here So the Federal Reserve if they fail to get inflation under control. I have always been a critic of their ability or Their tone to actually come in the Federal Reserve and say we're actually going to raise Interest rates and I was laughing when they when they said we're gonna do six I thought there's no way you're gonna do six because you can barely do one at a quarter without crashing the market And in all honesty after those those basis points went up what the market do responded quite positively so now that I take a look at what's going on macro and I could say that yes that them raising Six more times would probably be detrimental to the market in the short term. What's the alternative? Well, if they don't do that, they don't get inflation under control How long before The Chinese Yuan or some other different type of currency comes in and says, you know what? America's out of control didn't know what's happening and maybe it becomes a Little bits of a foothold not of the world reserve currency But they say this could actually move forward So I think when I now when I take a look at this and I think what's the less the two evils I think now they actually will move forward because they don't get inflation under control and they can lose market share of being the world reserve currency and On top of that, it's not just that piece. There was this. I'm gonna play this video This is a US senator Ted Cruz whose looks like he's the poster boy for smugness right here But now that I get that don't don't bombard me in the comments about how great he is. I could care less I couldn't care less He's a US senator and it's amazing to me. That's a his His rationality for Bitcoin and what it means. So just take a listen to what he says right here about Stability and about where he thinks a bit coins going it makes a lot of sense Actually, let me stop the screen real quick and share this with you. So you can actually hear what he's saying And we'll go from there Summit asks will the US dollar remain the global reserve currency? Probably I hope so There's no doubt as we're putting sanctions on Russia Russia's trying to find alternatives China Wants their currency to replace it at the end of the day Reserve currency is about who people are confident in and who they want to bet on You know, I'm reminded of Bill Clinton's former chief of staff guy named Erskine bowls couple of decades ago Referred to the US economy as the prettiest horse in the glue factory In other words, there are lots of problems and reasons. He was pessimistic about The US economy, but we were still much much stronger than everybody else At the end of the day that dynamic is there China has a serious and and growing in dangerous economy But there aren't a lot of people eager to tie themselves to China China engages regularly and tortures So that makes a lot of sense though doesn't about what he's talking about and I can see where he's coming from Who do you trust it really comes out of trust? It's about it's almost like the same thing of you trust the US dollar you trust the United States Not that United States is like the shining nights and great and everything else because look who's perfect, right? But I can understand what Ted is saying about that.  Who do you want to trust and who's gonna come out to and I think then this next part here Everybody talks about let me see if I can find it is about where people are putting their trust more so moving forward This comes out of the crux of what we've just been talking about. So take a listen That that bears some blame as well, but if we keep debasing the currency It's one of the reasons for the rise of crypto Is that people are putting their money in crypto because Bitcoin is the new digital gold and then Money flows to gold and silver and to assets hard hard currency When you don't trust that the paper currency will retain its value and so that the more Biden and the Democrats devalue our currency the more vulnerable it gets and the more people will flee to alternatives and some of those will include Foreign currency whether the euro or or the Chinese Yuan Okay, and before everybody blows up the comments about Democrats versus Republicans I Don't care about politics and if you have to take if you want to say who's to blame I think there's a lot of blame to go around The Fed reserve the IMF the World Bank the Democrats the Republicans There's a lot of people so don't just say like oh, it's just one guy That screwed everything up. I don't think that's how it works anyhow But that that essentially is that is the thesis about what's going on I think there's a lot of There's a couple reasons why people could go to the digital Yuan drop the US dollar But at the end of the day who are you gonna trust? Where do you want to go to where do you want to put your money? And I think that in all honesty That's why I don't believe that CBDCs will be a world reserve currency I don't see how people would trust the digital Yuan of the digital ruble or the digital dollar I don't see how that works I do think that they would use that and they can trans transact into other blockchains Maybe even other stable coins, but that is a debate for another day I just think that if you're looking for a pretty good store of value and where to put your money It's a Bitcoin digital assets. That is just investment opinion not investment advice. Hey, let me know what you think about that in the comments section Let's move on to our next piece. Let me stop this so I can share it with you and this is Really gonna put things in perspective. Hopefully so Let me see here. Maybe a little off there. Let me stop that share screen This I got to go one to one. That's a bummer. Okay, so this right here. This is about Let me blow this up. How Finney so how Finney if you don't know, he's one of the first Bitcoiners out there He was actually I was emailing Satoshi Nakamoto 2008-2009 and I just thought it was interesting about How it all came to pass and the things that we should be really focusing on I think It just comes out of this. So there's there's two parts to it And I'm just gonna Paraphrase some of this and this was this was a post back in 2013 when you know Bitcoin was a whopping four years old and Here's what he says. So he just talks about how he's been writing Satoshi for the last four years. I'm Hal Finney I got in the crypto I work with Zimmerman and He ran the first Cryptography based anonymous root emailer fast forward 2008 He talks about interacting with Satoshi Nakamoto. I Was he said it was lucky enough to meet and extensively correspond with Way die and Nick Zabo who's like the forefather of cryptography and then And he talks about how he he got into crypto or got into Bitcoin how he saw how it really changed the world That did and he talks about after a few days After he downloaded the to be a node Bitcoin was running pretty stably. So as he was like one of the first miners So I left it running those the days when those were the days when difficulty was one and you could find blocks of a CPU Not even a GPU.  Can you imagine how much Bitcoin this guy had it back and back in 2009? I mean, he probably had thousands hundreds of thousands and It's just amazing that you know, how How early he was But the other hand I was extremely lucky to get there at the beginning. It's one of those glass half full things and then this part here After a few days Bitcoin is running stably. I left it running. There are days when difficulty was one One and you could find blocks with a CPU as we're talking about Next I heard of Bitcoin was late 2010 I was surprised to find out it actually was worth that something as the price climbed up to real money I transfer the coins into my online wallet, which hopefully They'll be worth something to my heirs. Let me say that again as the price climbed up to real money I transfer the coins into my offline wallet, which hopefully They'll be worth something to my heirs We are in 2022 I got in in 2017 I know people have been in 20 since 2013 2012 2011 and There was the same thing. They're like, we don't know if it's gonna, you know, really be that valuable We don't know if it's gonna be this massive global phenomenon. We don't know if it's gonna be the reserve currency I personally don't think it's gonna be that but You can kind of see where things have gone over the years and it only just does usually accelerate but the thing is is that even though that That Hal got in So early, I mean back in the day. I mean he was like one of the first ones As much as he had as much crypto as as you might have or he had or I have There's a bigger story behind it and he says speaking of errors I got a surprise in 2009 When I was suddenly diagnosed with a fatal disease this in 2009 when he just got into it I wasn't the best shape in my life at the start. I'd lost a lot of weight and taken up distance running I'd run several half marathons Sorry training for a full marathon. I woke up my way to 20 plus miles. So this guy was in I mean Finney was in great shape. How was in great shape doing all these things all these things that that's a, you know A normal every day Joe or Jane could get out and do and he says as my body began to fail I slurred my speech Lost strength in my hands my legs were slow to recover in August 2009 I was given the diagnosis of ALS Lou Gehrig's ALS is a disease that kills motor neurons carry signals from the brains and muscles It causes first weakness then gradually increasing polar ulcers usually fatal in two to five years I've taken care of patients like that. They lasted I mean longer than that, but yeah, that's the average My symptoms were mild at first But fatigue and voice problems forced me to retire early 2011 since then the disease has continued its Inexorable progression today. I am essentially paralyzed. I'm fed through a tube.  I Can still read listen music watch TV. I discovered that I I can even write code But it's 50 times slower than what I'm used to And of course The price valuations of big bitcoins are entertaining to me. I have skin in the game, but I came by my bitcoins through luck And that's credit to me. That's my story. I'm pretty lucky overall. He says even with the ALS my life is satisfying But my life expectancy is limited those discussions about inheriting your bitcoins Are of more than academic interest my Bitcoin disorder in our safe deposit box and my son and daughter are tech savvy I think they're safe enough. I'm comfortable with my legacy and then if you can take a look here How was I had some guy? I mean this was this was him and his wife You know when they first were together here he is Mary but you can see that the progression of ALS. I mean goes from here to wheelchair to tubes to somebody by you and All these things that we talk about about how much money we make and how The appreciation of value of crypto and digital assets it really in the grand scheme of things Does it really mean that much? I mean, it's great to have financial freedom. Trust me. It's awesome You know to be a slave the nine to five and get out of there, but When you look at the grand scheme of things and you say well, there's a there's a parable I always remember it goes Healthy person has a thousand wishes and a sick person only has one So all those days that I've you know been on Twitter and I said it's a great day. It's a great day People like they sucks Crypto's down 10% down 30% 40% there's the other things going on the world's on fire I'm like, you know in all honesty if you take a look at the grand Becca said the big picture Really, what's truly important is is the things that's Family health and all the things that's Make life worth living and some days. It's not so much about crypto So try to put that in perspective. That was it just want to share that little piece and now let's move on To her last ones. Oh Should I've read to switch that? Ah Voyager debit card and staking so I know that was a little bit heavy. So let's Bring it back a little bit and just talk about this. So I am I had a max he's he's a friend of friend of mine lives here in Puerto Rico and he's a Gen Z millennial type type of guy and I had him on the show and as we were doing the show I was talking about Voyager and how I was like ticked ticked off at Steve because I haven't gotten this this debit card and Here just just watch this real quick. Let's see It can literally happen overnight cryptocurrency allows me to do that Compared to you know working 10 15 years at a job max all you got to do is just put in your savings account Get that 0.15% interest and you're good to go in a thousand years. Oh My goodness Yeah, thank you Voyager. Yeah, that's all right. That's my new savings account perfect Yeah, and I'm waiting for that debit card Steve. So if you can ever just you know, make that a little quicker. It'd be great Yeah, yeah, I was gonna say in the comments. That's porn music Yeah, never but I mean that that's the whole thing. So like with with that one I'm what I'm gonna try to do is to when I get the debit card I'll let everybody know how it works out the idea is to use it to The money that I have my bank account doesn't gives me absolutely nothing It's actually on fire if we take a look at the inflation rate Some people say it's 8% 9% of the music 1% whatever it is. I'm not making much money. So the idea is to transfer those Cash US dollar over to Voyager and start to use Voyager and that debit card for all the payments that I need to do Pay on my bills and everything else. I'm gonna let everybody know how that works out I should be getting this debit card soon and we'll go from that Also, just want to share with the fact that storm X. I'm if you know Storm X. It's one of those products have been around since like 2015 or something that it's a it's to the test of time And I actually finally staked my storm X and right now As far as a leaderboard, I am at number 339 almost half a million of my storm X is staked On the app itself, which will also be going into governance So, you know storm X. It's like you buy things online you get crypto cash back works out pretty well But if anybody wants to challenge me there, I got I'm ranked number 339 out of like tens of thousands of people For storm X and staking so yeah try that out and then also Just some some real quick snippets I found this interesting as far as like mass adoption Tom Brady Was tweeting at Vitalik buterin he says what's up Vitalik? I mean you may not know me I'm just Tom Brady, but just want to say I'm a big fan of yours. Thanks you for everything You've built in the world of crypto Otherwise that autograph wouldn't have been possible. Hope I get to meet you someday You're the greatest of all time or you're the goat. I thought it was pretty interesting how Tom Brady who's you know I guess getting bigger into crypto Tweets at Vitalik and then also another sign of some pretty nice mass adoption Or some adoption here. This is Mickey Watkins. He's one of these the CEO of world mobile token And he has this crypto cryptic message says hey just arrived in Los Angeles under a week ago with the legends That's been in a efficiently grueling time with multiple meetings smash daily a lot of love and here they are SpaceX and I wonder I have no insider information But it just curious to me if world mobile token is doing something with Elon and SpaceX that's just a rumor don't hold me to it and that's what's going on today man That went a long time. So look that's it for today and we're done with the side of Where are we? The news itself so I want to say if you're stuck with me and thanks so much I appreciate but this concludes the news if you want to stick around for five questions in five minutes We'll go over that if not thumbs up thumbs down whatever you want to subscribe and here we go to the Q&A All right Oh, first of all what I star This one was funny. I saw this in the in the chats before we get started Bitcoin is freedom. Don't sell your Bitcoin So says wrong. We're right. That was pretty good Hour to go Solomon. Thanks for the Super chat Save your money and find more Bitcoin though Hey Rob love for any health finish there was touching health wise. Do you follow keto or how do you stay fit? You're in principle So I have the same diet. I've been doing forever, which is I intermittent fasting I don't ever eat breakfast and then it's always black coffee in the morning hour two hour walk with the dogs and then work out every day before I do this and The the diet is low carb stuff. That's it. I mean look When you get to be a grandparent, it's tough to stay in shape So I just try to do my best and here we are so good question And I play volleyball on the beach sometimes Which is nice Diet is everything. You can't you can't crunch your way to a six-pack abs. It's all made in the kitchen Question number two Rob. Did you buy an Apecoin? No That maybe it's gonna be awesome. I Find it goofy. I find it as another meme coin. I know people like what would you understand? Because board AP op club and blah blah blah Listen man, I'm gonna miss a lot of opportunities and that's one of them. I mean if it goes to the moon Whatever, I'll put my money into Bitcoin Ethereum primarily and then do some other layer of ones and maybe some plate earns play That's about it Damn you missed out. I sure did sure missed out on that Apecoin And you know, I got to tell you every single and not to insult anybody intelligence because maybe it will be awesome and That's okay because we can't it's not Pokemon. We can't collect them all right So it is amazing though to me like the longer that I'm in the crypto space the the the more it It's interesting to me About the narrative and how correct people think they are and that's what I was talking about in the very beginning Nobody has all the all the answers There's always like this one little data point that maybe people miss which causes something to go You know crazily crazy high Maybe there's something that we missed and that story I talked about with the digital you on where it becomes a world reserve currency This is just thought experiments, but I will say that as time goes on it seems like The more I think I know the more I don't know and the more that I find that people on the chats And they think they know they don't know like one of the things that was my favorite my favorite tagline of all time which was Rob your relic The crypto market is different and It's gonna just keep going up and that was in 2020. I was like it works like that It's gonna be it's gonna be volatile now having said that I also believe that 2021 was gonna be a breakout year December was gonna be huge. Maybe in January we'd see Bitcoin 150k. I didn't work out either So nobody knows for sure and nobody's 100% correct You just try to get as much information as possible can make the best decisions that you can that's it So I don't know about that Thanks, Ryan appreciate it. Oh, I will say this though the more volatile the market the more People gets a frisky in the chats. That's for sure a lot of things. I can't actually pull up Question number three. Hey, Rob great content as always What do you think about the fact that we're on a bear market right now new more months? We're not in a bear market. I'm just kidding. Yeah, of course, we're in a bear market. Listen, we're on the DCA show I can't remember how long ago it was Was it February or was it January and January early February me Ben and James and we talked about it We're like we're in a bear market. I mean if you just take a look at the the data and It just we're in a bear market now. Does that mean we can't go into a bull market on this cycle? It's crypto. Who knows I will say this I Think personally if we get a little bit of regulation that's positive Which allows more institutions to come in and go what is crypto is crypto a commodity? Is it a currency? Is it a security? If we can just nail that down? I think there would be a lot more institutional players going. Oh, okay now. I see what it is and we're good to go I think that would help a lot and also I think if we can knock off this The Eurokrain Russia issue right now and we can lead to hopefully a ceasefire first and then a peace treaty Then I think we do pretty well and not just for our market, but for those poor people over there They're getting shelled like crazy Yeah, and of course I'll hear in the comments about how, you know, Russia is right to do what they do Yeah, okay Okay Oh, it's a good one Yeah, I can't say that are you going heavier into DCA during this market? This would be called Weighted weighted dollar cost averaging or the more that the market goes down the more you actually put in and right now I'm just doing the same. I haven't Increased it at all because we haven't had like a major slump off Then we've been trading kind of sideways for quite some time Actually, we've gone up since the 1.6 trillion market gap now We're at 1.9 almost to so the theory is is that? If you started a baseline, let's say you start you're you're buying it a Bitcoin at 4,000 right if it goes down by 10% let's say it goes down to 36,000 then you would say okay, whatever my my dollar cost average is Let's say I want to get a hundred dollars. Maybe you increase it by 20% 30% 50% and put in like 150 bucks as it starts to go down you buy more Expecting that will go up. So dynamic DCA you can do that just right now. It hasn't hit my threshold I just been doing the same thing every single day. I buy the same stuff, which is Bitcoin Ethereum I'm buying I was buying Algorand, but I stopped for a while because the token the tokenomics are not the greatest Let's just be honest Solana Avalanche that's the other one. I Was doing chain link. I just stopped that as well. There's someone. I added now figure later, but yeah same thing I think I think Since we're not going up or moving sideways. It's pretty good time to accumulate. All right Johnson Sun says if you believe you on will give you anything you're dead wrong our dictatorship government is the same as Putin That's why I fled China to us. I'm guessing you came from China like some people It is weird like if you don't if you're not from the country people talk about the country like I don't know the country But what do I know? I just know that what what the outlets tell me and who knows how accurate they are so I couldn't tell you That's why I like people come in so Johnson Sun if you're from China great good information somewhere else a couple more. I Hope I didn't miss a minute Doug Easton says hoping was successful miss Rowan's days It just takes First of all you're aiming low and second of all anybody can can be successful just takes time There is no I mean you can do get rich quick stuff. I know there's some couple dogecoin millionaires out there Congratulations to you but over time With the principles of you know, if you were if you were dollar-cost avenue into dogecoin for 10 years or five years Congratulations, why'd you do that? And second of all it probably worked out pretty well, but the thing is is like How long can you do those things? I think that anybody can be successful over time just the basic principles which is Patience getting into a project that you believe in and just looking at the UTT as I call it the utility Does it do something a little bit more dynamic than other ones? Or is it just a me-too coin you take a look at the team? Where have they been? What have they done? How strong was that team that actually build? This whatever asset they're doing and then the tokenomics of these tokenomics pretty solid Do you have a token that goes up forever and has no no supply? Do you have these the token that's centralized into a bunch of VCs and they can dump on you? Or is it pretty much? Decentralize and go that so I just take a look at the UTT and I kind of go from there and then I you know See if there's any development with the developers and how far it goes Don't get political I try not to I try not to Gala I own gala Waiting for those games to play. They look pretty cool. I mean especially that whatever that won the Farmville one and like that Did you end up selling your algo? No, I kept it because I think at some point I'll do pretty well also you got to remember I mean mooch Anthony scare moochie and the Skybridge capital team. They put in like 250 million dollars Yeah, quarter of a billion dollars into algo. We've got a pretty it feels gonna do pretty well, but again Who knows? What do you think of Ada? I like Cardano. I some people hate it and some people love it I like it. I've got a couple of steak pools. You can check that out links in the description It just depends on execution now. I mean they've wrote a lot of papers. It's done a lot of things now It's time to put out the products. Let's see it. I will say this as things move forward And we talked about this yes three days ago Let me show you something Stop it. Let me share my screen That's nice, huh? beautiful Let's see here defi llama So this is all I mean as far as defi goes Let me take a look at the chains. This is total volume locked up of all chains and TVL Ethereum is by far in Away the big the big gun. They have 117 billion locked up as far as defi goes 26 billion is in Terra by Nance chain, which is super centralized 12 billion avalanches all pretty close Then you got Solana 7 phantom 6.6. Da da da if we take a look to keep going down Here's Cardano. They're ranked 25th and they've got 272 million Which is pretty good because it used to be 200 million, but it's not in the billions yet However, I will say this if you look sweet Marion Joseph staking rewards Staking rewards calm you can see who and which platforms which tokens are being staked a Lot was saying so like Solana total staked 74 almost 75% of all Solana is being staked Terra 42% which reminds me I need to stake it. It's at 6% I should probably do more that or use an anchor most of avalanches 9% polka dot 14% But Cardano over here. It's always between four and six percent. You have 67 percent of Cardano being stakes. That's pretty good. That means that people believe in it and they want to stake it so To answer your question. I think once the defi gets built out Hopefully you'll see a lot of it right now, but the big winner is Ethereum now taken out as far as like what's being staked Cardano's up there in the top four. So that's great. Hopefully answer your question and That's it We're Are you buying that's the one I'm buying Luna. Thank you. Where did you get facts? I got them from all the different sorts I could Go Putin exactly Doesn't matter what you say. There's always like somebody's like go this person or that person whatever Well, just read it. I'll go now sit back and see what happens and see if those tokenomics get a little bit better Yeah, exactly Shake cart with stone says it perfectly shake the eight ball. That's everybody's price prediction strategy They shake an eight ball and go I think it's me this at this time. No one knows Ah, John said I came to us 12 years ago. Thanks. You mentioned me. You guys do not hold you on Yeah, I just don't understand why anybody would like for trade Sure, I guess but I gotta tell you like I used to use a lot of manufacturers in China for the Amazon Business that I have which is just a full film. It's just an it's just an FBA business So I would contact these manufacturers and go what do you guys have so we have x y and z Well, okay, how much are you gonna sell them to me for they would sell them to me I would ship them over to to Amazon and what I would pay for there is there was a couple different ways One you could pay with PayPal depending on what it was But that's all dollars and they had their other Former for that the name but it was all in US dollars as well Like they didn't expect me to pay in digital and you won it was all in dollars. So That hasn't changed What are some of your favorite restaurants in Puerto Rico? Fosse this pizza place is awesome And there's one called Sand and Sea which is up like that looks over the whole island of essentially that place is great And then what's the other one? This is a place called revolution on my wife likes. It's Mexican food I think it's okay. Not that greatest And he caught on holdings. Yes, I got a lot and I think One more question. We'll get out of here. Ah, this is a great question What have you done with the lands you purchased on so these this is we're talking I'm guessing not the physical land but the metaverse land because no one cares about the physical and I'm by it's boring But for the metaverse land Absolutely nothing. So the I've bought land on the sandbox The central and I bought the cryptiverse Yeah, yeah, the cryptiverse cryptiverse land and In again, so Kishi metaverse and was there one more But some land see that I don't know what I bought So like in all these land pieces, I've done absolutely nothing with them and why because I don't know what to do with them right now I just know that it hopefully at some point they will be valuable It's the same thing the same reason why I bought land on the outskirts of like I'll pass on Houston I know at some point they'll be valuable just not right now. So the big thing I'm thinking of is I need to get a what I call Digital land manager or DLN and that person is going to be responsible for building those things out either putting on Well either farming on there for whatever you can get for the tokens I know like in in Gensokishi and and the Avogacchi. That's only a one on the Avogacchi land You can actually farm for tokens if they're there to do that or for some type of Advertising campaigns and we'd reach out to all the big different exchanges or projects and put Advertising on there and then just make passive income. That'd be the easiest thing I'm not gonna do it because I got too many things to do and I'll probably that to probably biggie who does a lot of my stuff So that's it. All right, everybody She's 47 minutes. That is way too long Thanks so much for stopping by I appreciate it is Sunday. I appreciate you guys coming by great stuff consider subscribing like and like and subscribe all that good stuff or you know on or give me a Downvote but tell me why so I can fix it. That's it. Thanks so much for watching. I appreciate it And I'll see you on the next one


Oh mum, I got a Auckland ticket! You can come to my door room. That's super nice in here. I've got a really nice friend already. I was so happy with Christian what it is. You can proceed yourself and prepare yourself. You're on the issue on this appeal, whether the evidence to perform the court is admissible. I invite all today's graduates to stand and receive the congratulations possible.


My name is Alice Mulally. I grew up in out-of-central point near next door to the Blackford Salt Scaver Farm and growing up I knew Lola Blackford and then after she married we knew Lola and Dick and I used to visit Lola until she died in the later 1980s having been born in 1904. Growing up I was often curious about the place because it seemed rather mysterious because it was very old-fashioned and so I learned that Lola's grandparents the McKays had taken out a donation land claim in the 1850s and that they had had three or four sons and a daughter and all the sons had died in tragic accidents or illnesses in their teens or early 20s and so the property went to their daughter and she married Oscar Blackford so that's when it became known as the Blackford Place and they were there for a very long time. They had two children Lola who we're talking about here and her sister Viola. Mr. Blackford was kind of an old-fashioned farmer. He used horses to maintain the pastures where the dairy cattle were and one year a neighbor borrowed the horses for a birthday party and all the children had ridden except me and I finally was put on one of the horses and that horse decided to go home and there was no stopping this big old plow horse so I ended up in the corral down at the barn.


You still hold the record for most career rushing yards by a quarterback. You knew that right? That's I mean, that's temporary. That's it. Yeah, so that's what I want to ask you. The Mar-Jackson is on my trail. Okay. And the records that I've been able to I was able to obtain in my career If it feels good, I also realize the records are made to be broken But I didn't think that Russian record would ever be eclipsed Real talk real talk true story. I never thought that anybody would come close even when Lamar came in Because he had my old offensive coordinator Marty morning wig West Coast system I know what they was going to ask of him and I just knew it wasn't going to be as much run oriented Fool me I think he got about 4,000 rush yards right now like two years It could potentially be broken so That'll be a sad day. It'll be a happy day


Hello everyone, welcome back to a new session on dentist general. So today's topic is tools of dental public health. So what are the basic tools a dental public health section should use or a public health dentist should use. So we have seen this tools of epidemiology that is rate, ratio and proportion. So don't get confused. Dental public health is a very vast thing. So the first tool of dental public health is epidemiology. The tools of epidemiology is rate, ratio, proportion. So a public health dentist tools I am mentioning here, the first one is epidemiology. So we know its definition and its uses we have seen it in detail. So its aims and its objectives we know. The second one is the second tool of dental public health is biostatistics. So statistics nothing but expressing a condition using numbers by classifying and tabulating the numerical data and we can express using tables and graphs. So which is that branch of statistics concerned with mathematical facts and data relating to biological events. So that is a second tool of dental public health. So the uses are define normality to test the difference between any two groups to know the correlation or association to evaluate the efficacy of vaccines and evaluate achievements in public health programs. So these are biostatistics role in dental public health. Let's see what is the next tool in dental public health that is social science. So social science is a third tool in dental public health which includes sociology, cultural anthropology and psychology. So basically a social scientist becomes necessary when effort and effort do not match each other and we want to know why. And new health programs prepare to aid in public health worker in planning, evaluation and fluidization. So we need to understand the sociology and cultural difference of a group of people or a community or a region where we are planning to apply our health programs. So without knowing the social structure and the cultural background of a people this going waste of time and energy if we don't have a social aspect of the planning. So let's see what is the fourth tool of dental public health that is principles of administration. So administration is very much important. We need to have proper organization and management organization which deals with the structure of an agency and the way the people are arranged into working groups. So if we have a plan, if we have a dental public health program, so we need to organize the people into which work one group is assigned to and which group is assigned to which duty. So all this organization is very much important and management that handling of personnel and operations in such a way that the work of agency gets done. So managing inside the workforce is very much critical. So that is administration. So that is the fourth principle of dental public health or the tools of dental public health, not the principle tools of dental public health that is principles of administration and the last part of dental public health is preventive dentistry. So we know how do we prevent diseases we have seen in levels of prevention that is primary prevention, secondary prevention, tertiary prevention, health promotion, specific protection, early diagnosis and from treatment and tertiary we have disability limitation at rehabilitation. So that is all about the tools of dental public health. So what are the tools? First one was epidemiology and the second tool of dental public health is biostatistics and the third tool was social science and the fourth tool was principles of administration and fifth tool is preventive dentistry. So this is a short note question that asked a few times, so never get confused with the tools of epidemiology, tools of epidemiology is different, this is dental public health so how do we apply, how do we manage things in a public health program which is related to dentistry that is dental public health. So these are the tools of dental public health. So I will come within your session, thank you.


Let me speak a few minutes about ERB. It was an unfortunate but necessary process that we had to run. It is done. ERB is done. Those folks associated have been notified. And I tell you right now, many of the ratings that we were over-manned in are back in balance. We are seeing a more natural and a more notional advancement rate, and in fact, advancement rates are going up. Second, I can tell you that our perform to serve requests are being approved at the rate of 9 out of 10. So 90% are being approved. It's been that way the last few months, and I see it for the future. I do not see an ERB needed in 2013, and I doubt it right now for 2014. I'll keep you posted on that. I want to thank you again for your service.