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On this edition of the Orange and Brown Talk podcast, Mary Kay Cabot, Ashley Bastock and Dan Labbe navigate the increasingly chaotic Browns coaching search. With Jesse Minter out, they discuss the remaining candidates and the complex scenarios ahead. Could Jim Schwartz get the job by default, or will he issue an ultimatum to the front office? They explore the potential ripple effects of Schwartz's future, including the impact on star player Myles Garrett. They also analyze the standing of other candidates like Todd Monken, Grant Udinski and Nathan Scheelhaase. Listen as they talk through the latest in the Browns' quest to find a new top man for their organization. Follow us: On X: https://x.com/orangebrowntalk YouTube: https://www.youtube.com/@ClevelandBrownsonclevelandcom Instagram: https://www.instagram.com/orangeandbrowntalk/ Music credits: Ice Flow by Kevin MacLeod Link: https://incompetech.filmmusic.io/song/3898-ice-flow License: https://filmmusic.io/standard-license Learn more about your ad choices. Visit megaphone.fm/adchoices
Shawn's InKind referral - https://app.inkind.com/refer/4FJZRGUZ Episode Description On this episode of MTM Travel we break down everything new from BIlt Rewards. This week Bilt launched 3 new credit cards that help you earn points on paying your mortgage/rent, but things are confusing. On this show we go through all of the controversy surrounding Bilt 2.0, which cards and benefits are on offer, how to maximize these complicated cards and which version we are planning to get. Did Bilt mess up this launch and what can they do to fix the program. Plus does extra complication add more opportunity? 0:00 Welcome to MTM Travel 0:30 Bilt's crazy week - Launch controversy 3:12 Bilt's 3 new cards - 50K welcome offer? 8:03 Application rules & a better offer (now dead) 11:20 Bilt Cash explained - Earning points on mortgage? 14:35 Bilt Cash explained - The ultimate coupon book? 19:25 Bilt 3.0? An alternative way to earn points on mortgage/rent 22:55 Our new Bilt card recommendations/thoughts 27:13 Final Bilt 2.0 takeaways Enjoying the podcast? Please consider leaving us a positive review on your favorite podcast platform! You can also connect with us anytime at podcast@milestomemories.com. You can subscribe on Apple Podcasts, Google Play, Spotify, TuneIn, Pocket Casts, or via RSS. Don't see your favorite podcast platform? Please let us know!
Dean Taylor returns to the podcast to explain the sacraments and what this means for the life of the church. Historically, the Anabaptist view of the sacraments was a major issue in their breaking from the Catholics and Protestants. What were the issues at stake in those debates? What is the Anabaptist view of the sacraments? How should this inform how we live and do church?Dean's episode on the atonement AusbundDoctrines of the Bible ed. by Daniel KauffmanThe Shape of the Liturgy by Gregory DixThe Martyrs MirrorAn Introduction to Mennonite History by Cornelius J. DyckThe Schleitheim Confession The Writings of Pilgram MarpeckThe Writings of Balthasar HubmaierThis is the 303rd episode of Anabaptist Perspectives, a podcast, blog, and YouTube channel that examines various aspects of conservative Anabaptist life and thought.Sign-up for our monthly email newsletter which contains new and featured content!Join us on Patreon or become a website partner to enjoy bonus content!Visit our YouTube channel or connect on Facebook.Read essays from our blog or listen to them on our podcast, Essays for King JesusSubscribe on your podcast provider of choiceSupport us or learn more at anabaptistperspectives.org.The views expressed by our guests are solely their own and do not necessarily reflect the views of Anabaptist Perspectives or Wellspring Mennonite Church.
Pat Finn is a well-known actor, comedian, and writer with over 25 years of experience in the entertainment industry. He's appeared in numerous TV shows and movies, including The Middle, Seinfeld, "It's Complicated," and the "I Am Chris Farley" documentary. He has an almost endless list of professional accomplishments, and I wanted him on the show because he's also a husband, father, and regular guy who really seems to "get" the whole jewelry thing. Here is Pat's IMDB link: https://www.imdb.com/name/nm0278156/ We're going to discuss his own experience of buying an engagement ring, how he was clueless about the whole process, and how sometimes you just have to trust the experts. He called me a "Sherpa," in this episode, and you know what? I kinda liked it. His company is Improv+Ability: https://www.improv-ability.com/ GoFundMe for the Finn Family: https://www.gofundme.com/f/help-the-finn-family-through-pats-fight If you want to talk with me personally you can email me at andy@buylikeaguy.com. I'm happy to personally help you find the right jewelry for your special occasion, or put you in touch with a jewelry pro that's closer to home. Or, you can shop online at my jewelry store right here: https://www.koehnjewelry.com/ Music credits: Preacher Man by Miles Neilson and The Rusted Hearts, used with permission. A killer band with original songs that get stuck in your head. They're awesome. Listen To Preacher Man on Spotify: https://open.spotify.com/track/7ImcaJKIk0ZVtPzuUVV4vc?si=80581c74a9be4987
Register for the free four-week Bethel Business Accelerator starting January 29th! https://www.bethel.com/calendar/bethel-business-accelerator In this week's episode of Cultural Catalysts, Kris Vallotton and co-host Ahab Alhindi welcome Tim Walls, founder of Kingdom Business Consulting. Tim shares powerful insights on bridging the gap between spiritual principles and practical business application. Discover how to maintain a constant connection with God throughout your workday, not just during designated prayer times. Tim reveals how redefining success, from outcome-based to obedience-focused, transforms business leadership and decision-making. The conversation explores the journey of developing spiritual intelligence in the marketplace, with practical examples of how hearing God's voice can lead to breakthrough solutions in everyday business challenges. Join us as we unpack the difference between living by principles versus living by presence, and learn how to create a lifestyle of engagement with God that impacts every aspect of your business. Don't miss the announcement about our upcoming free Business Accelerator starting January 29th, where you can connect with like-minded entrepreneurs in a global community! Connect with Kris Vallotton: Website: https://www.krisvallotton.com/ Facebook: https://www.facebook.com/kvministries/ Instagram: https://www.instagram.com/kvministries/ X: https://x.com/kvministries Additional Resources by Kris Vallotton: https://shop.bethel.com/collections/kris-vallotton About Kris Vallotton: Kris Vallotton is the Senior Associate Leader of Bethel Church, Redding, and is the Co-Founder of Bethel School of Supernatural Ministry (BSSM) and Spiritual Intelligence Institute. He is also the Founder and President of Moral Revolution and a sought-after international conference speaker. Kris and his wife, Kathy, have trained, developed, and pastored prophetic teams and supernatural schools all over the world.
This week on Nacho Fitness Coach, Caleigh and Sara tackle the growing trend of hormone-focused fitness advice and the way women are being sold complexity disguised as empowerment. We break down cycle syncing, menopause protocols, and “hormone fixes,” and explain why none of them replace the basics. We talk about how fear-based marketing makes women feel broken, why simplicity actually works at every stage of life, and how exercise, nutrition, protein, fiber, and movement still matter—no matter your age or hormones. If fitness feels confusing or expensive, this episode is your reminder that you don't need a special program to take care of your body.Connect with us on social media!Instagram | TikTok | Threads | Youtube | Facebook | X (Twitter) | WebsiteThis podcast offers health, fitness, and nutritional information and is designed for educational and entertainment purposes only. You should not rely on this information as a substitute for, nor does it replace professional medical advice, diagnosis, or treatment. If you have any concerns or questions about your health, you should always consult with a physician or other healthcare professional. Do not disregard, avoid, or delay obtaining medical or health-related advice from your healthcare professional because of something you may have heard on this podcast. The use of any information provided by Nacho Fitness Coach podcast is solely at your own risk.
Indiana wins it all! Who will make the Super Bowl? Plus Unnecessarily Complicated Trivia returns!
Gavin Newsom has always branded California as a global leader in the fight against climate change, but a series of recent oil spills and new legislation are raising questions about the state's environmental priorities. KCSB's Hunter Maher brings us this report.
Did God fail Israel—or are we missing the point? In Romans 9, Paul tackles one of Scripture's most challenging chapters, defending God's faithfulness, righteousness, justice, and grace. This episode calls us to humility, trust, and a renewed confidence that salvation has always been—and will always be—by faith.
President Trump has announced new tariffs on European Union countries, aimed at forcing a deal for the U.S. to acquire Greenland. But the EU could respond relatively quickly, with sanctions of their own. In this episode, the EU's “bazooka” option. Plus: Trump's recent housing proposals won't fix the fundemental issue driving housing affordability, technology has changed how parents dole out kids' allowance, and we explain the history of economic jargon.Every story has an economic angle. Want some in your inbox? Subscribe to our daily or weekly newsletter.Marketplace is more than a radio show. Check out our original reporting and financial literacy content at marketplace.org — and consider making an investment in our future.
President Trump has announced new tariffs on European Union countries, aimed at forcing a deal for the U.S. to acquire Greenland. But the EU could respond relatively quickly, with sanctions of their own. In this episode, the EU's “bazooka” option. Plus: Trump's recent housing proposals won't fix the fundemental issue driving housing affordability, technology has changed how parents dole out kids' allowance, and we explain the history of economic jargon.Every story has an economic angle. Want some in your inbox? Subscribe to our daily or weekly newsletter.Marketplace is more than a radio show. Check out our original reporting and financial literacy content at marketplace.org — and consider making an investment in our future.
Complicated weight-loss programs can work, but what if we only had to focus on a single dietary change to get the same benefits?
Matt Wilstein sits down with Lake Bell (‘It's Complicated') to talk about how she possibly keeps a straight face opposite SNL alum Tim Robinson on HBO's bonkers show ‘The Chair Company.' The comedy star also shares stories about auditioning for Woody Allen and her humiliating first day on set with Meryl Streep. But first, Matt chats with Nick Schager, Entertainment Critic for the Daily Beast's Obsessed, about all things Tim Robinson, breaking down what makes his work so singular, and why this new show feels like him at the peak of his comedic powers.Follow Kevin Fallon on Instagram @kpfallon Follow Matt Wilstein on Instagram @mattjwilsteinNew episodes every Tuesday, Thursday, and Saturday; early drops on YouTube. Hosted on Acast. See acast.com/privacy for more information.
Dear Mr. Baker,I am but one in a sea of many Americans viewed as a threat to the established order. I was once a part of that order. I helped build it. It would turn out I couldn't survive because I couldn't follow the rules of thought and speech that are mandated by everyone on the Left, especially those at the New York Times.It's personal, you see. I used to believe that if all I did was read Page One of the New York Times, I'd be well-informed. Brainwashed is more like it.It's easy to spot the bias now where it wasn't before. For instance, this was the New York Times on January 12th, and one of the strongest activists for the Democrats pretending they're pushing some sort of objective conclusion on X.But that's just another day at the New York Times. I know you didn't write this piece, Michelle Goldberg did, but it is worth mentioning as an aside that no, the “resistance libs” were not right. They were never right. I was one of them until I wasn't. It's been an ugly road out of the Doomsday Cult of the Left, but now, I live free as an exile.We were never the “resistance.” We were always the empire. We colonized the internet, after all, and, together with Barack Obama, the rise of Silicon Valley, social media, and the iPhone, as society migrated online, we were in control of all of it.But that's a story for a different time, Mr. Baker. This letter is much more urgent regarding the matters at hand. Your “analysis” and observation about Trump and protests is so wildly off base, a complete distortion of reality, that I felt compelled to write you this letter. You wrote:You write:President Trump had a ringing message of solidarity on Tuesday for demonstrators in the streets. “KEEP PROTESTING - TAKE OVER YOUR INSTITUTIONS!!!” he wrote on social media. He decried “the senseless killing of protesters,” and added that those pulling the triggers “will pay a big price.”He meant the protesters in Tehran, not Minneapolis. By contrast, the people in the streets of Minnesota, he wrote just 63 minutes earlier, were “anarchists and professional agitators” trying to cover up a fraud scandal. He vowed that “THE DAY OF RECKONING & RETRIBUTION IS COMING!”The eruption of protests on opposite sides of the planet at this moment in history has brought Mr. Trump's views of democracy and popular dissent into stark relief. The situations in Iran and Minnesota, of course, are different and complicated, but the president's rule of thumb seems simple enough: Those who take to the streets supporting a cause he favors are laudable heroes. Those who take to the streets to oppose him are illegitimate radicals.I read this, and my jaw dropped open, Mr. Baker. Where have you been for the past five years as we watched a split screen of protests in the Summer of 2020 and then on January 6th? Are you actually saying that you at the New York Times and anyone on the Left saw these things as comparable? Democracy and popular dissent in stark relief, boy, I couldn't have said it better myself.Tell me this is satire. Tell me you do not live in such an isolated bubble that you can't possibly see the blatant hypocrisy here? The treatment of these two events was very different and will be written about in opposite ways in history books forever. One will be seen as heroic and democracy in action, and the other, as dangerous. An insurrection in action. People like me were pulling our hair out, not because we would justify the riot at the Capitol, but because all of you said nothing about what happened in the Summer of 2020, a year that broke America and broke me.It wasn't only your paper that lied that Trump “incited” a mob to storm the Capitol and that it was a threat to “democracy.” That was the narrative pushed by every legacy media outlet, with no kind words for the protesters who were also doing what protesters do - getting angry and having their voices heard by a government and a culture that had demonized them, dehumanized them, and abandoned them. Trump included.The Democrats put up a Green-Zone-like fence around the Capitol. Ordinary Americans had their doors kicked in as the FBI hauled them off to jail. Anyone who even attended the “mostly peaceful” protest on January 6th was called an “insurrectionist” and “election denier,” and anyone who dared to question the 2020 election or who voted for Trump was inspected under a microscope by you all as some kind of insect or insurgent terrorist. Vice President Kamala Harris likened it to 9/11 and the attack on Pearl Harbor. These were American citizens, many of whom had been on lockdown, their businesses destroyed after COVID, and had watched the absurd events of 2020 play out. Masks, no masks, “systemic racism was more urgent than COVID,” then the pivot back to COVID, changing election rules, preventing people from gathering and thus, preventing campaigning, a surge of mail-in voting that won the election all before Election Day, a revolution in the streets that almost no one in the mainstream was even talking about once they got really bad, lest they hurt the Democrats.Oh, I know the game. I know we're all supposed to see the Trump supporters as racists, angry that Black and Brown people were in government, a second Confederacy flying their Dixie flags on January 6th, and that the protests over the Summer were about racial inequality and therefore justified. But here's the thing about democracy. You don't get to decide. We either all have the same rights or we don't have a democracy.There was nothing in your coverage, or the Liz Cheney show trial, that was, in any way, fair to the Americans who protested that day, and even to Donald Trump, who had a right to have their voices heard. No, they didn't have the right to riot. Ashli Babbitt lost her life over it, and then her memory was dragged through the mud by all of you.Here is how the Times covered Ashli Babbitt:And here is how they covered Renee Good:You see, one is treated like human garbage, and the other is treated like a hero. So just say it. Just admit that this has become a two-tiered society, you are among the ruling class, and the underclass has none of the same rights. You will decide they are “racists” and thus have no real stake in what happens in this country, even when they win the popular vote. Now that the protests in Minneapolis are violent, as violent as, if not more so than, January 6th, still you say nothing and pretend they are fighting the good fight. What has changed in ten years? Nothing except the Democrats failing to address the problem, allowing millions to flood over the border, and shaming Americans for caring about it. It's a sickness on the Left by now, a reality distortion that spilled out into real-world violence. Just look at what happened at Evergreen College. These students believed they were protesting “racism” at one of the most liberal colleges in America. Why? Because Bret Weinstein did not think it was right that white people should be asked to leave the campus on a “day of absence.”This kind of strange, new, justified violence by people who don't live in the same reality as the rest of us has become the new normal on the Left, backed up by all of you. How dare you compare them to the protesters in Iran? Complicated, you say? Oh, it's way beyond that. Pampered, privileged, bored white women and bratty college kids attacking ICE are, in no way, risking their lives. Yes, if you attack a police officer or an ICE officer, you are risking your life. Every American knows that if they live in the real world. In Iran, you are risking your life just for standing there and protesting peacefully, or speaking out of turn, or anything they decide is a crime punishable by death, which include adultry, dissent against the government, and blasphemy. At the New York Times, you want the tragic death of Renee Good to be the symbol for protesters dying at the hands of the regime, but, as usual, it is not the truth. That won't stop you from perpetuating the mass delusion and injecting it into the veins of your already unhinged readership.Here is Page One of the New York Times today. Every headline is about Renee Good. That is still the most important news of the day, even as hundreds, maybe thousands of Iranians are slaughtered.Followed by non-stop negative Trump coverage:The protests in Minneapolis are not against ICE. They are against democracy. The wrong people won the election, and that means the Left throws a fit. They've been throwing fits for ten years, starting in 2015 when they attacked a group of Trump supporters in California, calling them “racists,” because all of you sold them that lie. The violence continued on through Trump's inaugural and protests all through his first term. The Summer of 2020 was the biggest by far in modern American history, yet the legacy media, your paper, Mr. Baker, did not capture the truth of what happened. The baby tyrants who run your newsroom insisted the one op-ed by Tom Cotton, Send in the Troops, was itself violence and that caused the resignation of Bari Weiss and James Bennett, a shamefulprotst moment that should live on in infamy if people tell the truth. The Left's protesting now says one thing: Do what we want, or else. That is, Mr. Baker, closer to fascism than Trump will ever be. // This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit www.sashastone.com/subscribe
Explaining Posse Comitatus and Martial Law. Will He Do it on MLK Day? Trump's New Nobel Prize: Yuck. Friday Football Playoffs. Kyle Tucker, Kyrsten Sinema and Why The Dodgers Are Like Trump. Independent Americans host Paul Rieckhoff breaks down the most urgent threats to our democracy with returning champion Asha Rangappa, former FBI Special Agent and Yale national security law expert, in an all–new Football Friday episode recorded January 16, 2026. From Venezuela to Venezuela-style tactics at home, they connect the dots on how Trump's use of military force, deportation crackdowns, and legal maneuvers feed a larger project of power and conquest across the Western Hemisphere, and why the Insurrection Act is now a “circuit breaker moment” for American democracy. Because every episode of Independent Americans breaks down the most important news—and offers light to contrast the heat of other politics and news shows—this conversation delivers sharp, accessible explanations of the Insurrection Act, the Posse Comitatus Act, and why using active-duty troops as “bodyguards for ICE” could turn American cities into occupied zones. Paul and Asha lay out how Trump telegraphs his punches, how he could flip the language of “insurrection” and “domestic terrorism” onto his political enemies, and what happens when illegal orders collide with the oaths of military leaders and service members. They also go beyond the headlines to track a Western-hemisphere “sphere of influence” strategy that looks imported from Moscow and Beijing, the Supreme Court's looming tariff decision, and the chilling symbolism of Venezuelan opposition leader María Machado handing her Nobel Prize to Trump—while tying in Ukraine's brutal winter, the assault on Stars and Stripes, and the erosion of U.S. credibility as France steps in to provide two-thirds of Ukraine's intelligence. And because it's Football Friday, Paul closes a heavy episode with playoff picks, wine, the new “Independent is an Attitude” anthem from producer Chris Rosenthal, and Asha's shout-out to indie band Mates of State—reminding listeners that staying vigilant also means protecting joy, culture and community. Because every episode of Independent Americans with Paul Rieckhoff breaks down the most important news stories--and offers light to contrast the heat of other politics and news shows. It's independent content for independent Americans. In these trying times especially, Independent Americans is your trusted place for independent news, politics, inspiration and hope. The podcast that helps you stay ahead of the curve--and stay vigilant. -WATCH video of this episode on YouTube now. -Listen/watch Asha's podcast It's Complicated and check out her Freedom Academy on Substack and follow her on social media. -Learn more about Paul's work to elect a new generation of independent leaders with Independent Veterans of America. -Join the movement. Hook into our exclusive Patreon community of Independent Americans. Get extra content, connect with guests, meet other Independent Americans, attend events, get merch discounts, and support this show that speaks truth to power. -Check the hashtag #LookForTheHelpers. And share yours. -Find us on social media or www.IndependentAmericans.us. -And get cool IA and Righteous hats, t-shirts and other merch now in time for the new year. -Check out other Righteous podcasts like The Firefighters Podcast with Rob Serra, Uncle Montel - The OG of Weed and B Dorm. Independent Americans is powered by veteran-owned and led Righteous Media. And now part of the BLEAV network! Ways to listen: Spotify • Apple Podcasts • Amazon Podcasts Ways to watch: YouTube • Instagram Social channels: X/Twitter • BlueSky • Facebook Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
In the music of the French Antilles - the islands of Martinique and Guadeloupe - you can hear influences that range from the traditional béle and gwo ka drumming of the islands' rural communities, to European additions like polka and French chanson. But when these islands produced a pop genre that took much of the Caribbean and African world by storm - the smooth and sexy dance music zouk, which exploded in the 1980s - it was an entirely new blend that uniquely reflected the complex layers of identity in these Caribbean communities that are, administratively, a full-fledged part of France. Still colonies? Many think so. Either way the Antilles have long produced artists and thinkers with deep sensitivity to the gradations of race, class, migration, and relationship to a powerful, distant metropolis. Now, musicians in Guadeloupe and Martinique are re-exploring their roots, celebrating rhythms that go back to slavery days without pulling back from the cosmopolitanism of recent years. Our guide to this music - and the rich history and ongoing debates that it reflects - is Brenda Berrian of the University of Pittsburgh, whose book, Awakening Spaces: French Caribbean Popular Songs, Music and Culture, is a definitive - and enthusiastic - treatment of the subject. Hip Deep by Siddhartha Mitter. APWW #570 Produced by Siddhartha Mitter in 2009
Aaron Armstrong didn't open the Bible looking for Jesus; he opened it to mess with a friend. What started as a joke in his 20s quickly became a confrontation with truth. The more he read, the more he realized Jesus was worth giving his whole life to. Now a writer in metro Nashville, Tennessee, Aaron has written a book, Faith Simplified, to help both new and seasoned Christ followers answer questions about their faith and find truly meaningful ways to express it. This week, he sits down with Nate Dewberry to talk about present and future writing projects, early conflicts and struggles on his spiritual journey, and how life is changing now that he's sent the first of his three kids off to college.Segments/chapters0:00 Intro1:37 How Aaron came to faith11:26 Early struggles and conflicts on Aaron's faith journey16:44 Why Aaron has always felt drawn to the Psalms19:53 What the church can do better—and how we can be better as Christ followers29:06 Why Aaron wrote Faith Simplified, and who he wrote it for37:59 Encouragement for men reluctant to become part of a community42:57 Adjusting to life with a kid in collegeVisit The Redeemed's website for downloadable discussion question sets, show notes, inspirational articles, more resources, or to share your testimony.Join our Exclusive Newsletter: Signup today and be the first to get notified on upcoming podcasts and new resources!The Redeemed is an organization giving men from all backgrounds a supportive, judgment-free environment, grounded in Christian love without demanding participation in any faith tradition, where they can open up about their challenges, worries, and failures—and celebrate their triumphs over those struggles. Have a redemption story? Share your redemption story here. Interested in being a guest on our podcast? Email Nate@theredeemed.com Follow The Redeemed on Social Media: Podcast YouTube Facebook Instagram LinkedIn Twitter
Sarah Longwell sits down with Asha Rangappa—a lecturer at Yale Law School and co-host of the “It's Complicated” legal podcast—to discuss Venezuela, Jack Smith's congressional testimony, the Minneapolis shooting, and the many other high-profile lawsuits and investigations that have already popped up in 2026.Get up to 30% off OneSkin with the code ILLEGALNEWS at https://www.oneskin.co/Make laundry day the best day of the week! Get 20% off your entire order @LaundrySauce with code ILLEGALNEWS at https://laundrysauce.com/ILLEGALNEWS #laundrysaucepod Go to https://Dupe.com today and find similar products for less. It's 100% free to use. Stop wasting money on brand names and start saving with https://Dupe.com today.
When Ryan moved in with his girlfriend Bella, he expected things to feel closer than ever — not colder. After a sudden shift in her behavior, canceled plans, and an unexplained key found in their bedroom that fits none of their doors, Ryan starts to wonder if something (or someone) else is involved.
When Ryan moved in with his girlfriend Bella, he expected things to feel closer than ever — not colder. After a sudden shift in her behavior, canceled plans, and an unexplained key found in their bedroom that fits none of their doors, Ryan starts to wonder if something (or someone) else is involved.
When Ryan moved in with his girlfriend Bella, he expected things to feel closer than ever — not colder. After a sudden shift in her behavior, canceled plans, and an unexplained key found in their bedroom that fits none of their doors, Ryan starts to wonder if something (or someone) else is involved.
The dark side of doing business is part of our tour through the Cabinet today. Order the official Cabinet of Curiosities book by clicking here today, and get ready to enjoy some curious reading! See omnystudio.com/listener for privacy information.
Welcome back to the podcast! Welcome back to the podcast where we discuss all things related to how to make money online! Today, we're talking about making money online and how to achieve passive income with just one key element. Sign up for Workshop Updates HERE:
Here we are again, the least popular time of year for the most of us. The year-end holidays have passed, and spring is still months away. Oh, and it's the darkest and coldest time of the year, too - because why wouldn't it be? Some of us go dormant like plants this time of year, insulating ourselves and enduring the season with introspection and maybe a touch of seasonal depression. Others go on a more positive spin, taking time to detox and find spiritual rebirth. And of course some people actually love the winter, they vibe with the chill and embrace the darkness. Besides, if not for the harshness of winter, would spring even seem so amazing? Then there are those whose kinkier sides come to life in winter ... but that's another podcast for another day. In this episode of "How We Heard It," your hosts explore music about winter, inspired by winter or evoking winter and all the heartaches and trials of the season as well as the victories and joy. You might be surprised how inspiring winter is for songwriters and just how many loving and uplifting songs are spawned during a "bleak" time of year. There's some moody and sad stuff too, but you know that can't be avoided.
Rikki Spivak MS, OTR/L is a Columbia University–trained occupational therapist, graduating with her master's degree in 2002. For more than two decades, she has served children, adolescents, and adults with a specialized focus on emotional regulation, safety, and trauma healing. She maintains a thriving private practice in Monsey, where her work integrates a polyvagal-informed lens, somatic principles, and practical therapeutic tools to help clients build resilience and re-establish a grounded sense of safety in their bodies and relationships. Rikki is also a kallah teacher, trained by Rochel Goldbaum with additional trauma-informed training from the Eden Center. She specializes in teaching kallahs who are trauma survivors, those navigating religious differences, and kallahs coping with OCD, anxiety, or sensory processing challenges. She uniquely blends clinical expertise with deep sensitivity to the Jewish Orthodox community's needs, ensuring that education around intimacy remains safe, supportive, and empowering. A sought-after educator, Rikki has delivered classes and professional trainings to kallah teachers, clinicians, and mental health professionals on the centrality of safety in intimacy and the intersection of trauma, the nervous system, and sexual well-being. Her work bridges clinical insight with compassionate, practical guidance—helping individuals and couples step into relationships with greater clarity, confidence, and connection. CONNECT WITH RIKKI SPIVAK www.RikkiSpivak.com LEARN WITH DVORA ENTIN: Upcoming training for therapists January 14th at 12:00pm EST - register at https://www.dvoraentin.com/trainings CONNECT WITH DVORA ENTIN: Website: https://www.dvoraentin.com/ Instagram: https://www.instagram.com/dvoraentin YouTube: https://www.youtube.com/@misconceptionspodcast
Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 1926: Carl Pullein dismantles the myth that productivity requires elaborate systems, showing how focus and daily consistency, like Ian Fleming's writing ritual, are all it takes to accomplish great work. With just a notebook, clear priorities, and protected time blocks, anyone can achieve meaningful results without stress or complexity. Read along with the original article(s) here: https://www.carlpullein.com/blog/to-be-productive-you-dont-need-a-complicated-system/7/8/2019 Quotes to ponder: "To become super productive, you need two ingredients: focus and consistency." "No one will respect your time until you respect your time." "A notebook, a pen and clarity for what you want to accomplish is all you need." Episode references: Casino Royale: https://www.amazon.com/Casino-Royale-James-Bond-Book/dp/1612185436
Mike and Bobby interviewed Ernest Harvey Jr., a lead trainer at Camp Moula, and Wilson Alexander, an LSU reporter for The Times-Picayune. Harvey evaluated former Edna Karr and Florida State running back Jaylin Lucas, who recently transferred to Tulane. Alexander discussed the Tigers' latest additions in the transfer portal, highlighting their completely revamped wide receiver room. He also reported on Coach Kiffin's pursuit of the Tigers' next QB1 and a new-look offensive line. Bobby, Mike, and Steve played their daily "Triple Option" segment.
Allen and Joel are joined by Nathan Davies from Lloyd Warwick to discuss the world of wind energy insurance. Topics include market cycles, the risks of insuring larger turbines, how critical spares can reduce downtime and costs, why lightning claims often end up with insurers rather than OEMs, and how AI may transform claims data analysis. Sign up now for Uptime Tech News, our weekly newsletter on all things wind technology. This episode is sponsored by Weather Guard Lightning Tech. Learn more about Weather Guard’s StrikeTape Wind Turbine LPS retrofit. Follow the show on YouTube, Linkedin and visit Weather Guard on the web. And subscribe to Rosemary’s “Engineering with Rosie” YouTube channel here. Have a question we can answer on the show? Email us! Welcome to Uptime Spotlight, shining light on wind. Energy’s brightest innovators. This is the Progress Powering tomorrow. Allen Hall: Nathan, welcome to the program. Thank you for having me. So you are, you’re our link to the insurance world, Nathan, and there’s been so many changes over the past 12, 24 months, uh, not just in the United States but worldwide. Before we get too deep into any one subject, can you just give us a top level like, Hey, this is what’s happening in the insurance world that we need to know. So there’s Nathan Davies: obviously a lot of scope, a lot of development, um, in the wind world. Um, you know, there’s the race to scale. Um, and from an insurance perspective, I think everybody’s pretty tentative about where that’s going. Um. You know, the, the theory that are we trying to [00:01:00] run before we can walk? Um, what’s gonna happen when these things inevitably go wrong? Uh, and what are the costs gonna be that are associated with that? ’cause, you know, at the moment we are used to, to claims on turbines that are circa five megawatts. But when we start seeing 15 megawatt turbines falling over. Yeah, it’s, it’s not gonna be a good day at the office. So, um, in the insurance world, that’s the big concern. Certainly from a win perspective at least. Joel Saxum: Well, I think it’s, it’s a valid, uh, I don’t know, valid bad, dream. Valid, valid risk to be worried about. Well, just simply because of like the, the way, uh, so I’ve been following or been a part of the, that side of the industry for a little while here the last five, six years. Um. You’ve seen The insurance world is young in renewables, to be honest with you. Right. Compared to a lot of other places that like say the Lord Lloyd’s market, they’ve been writing insurance for hundreds of years on certain [00:02:00] things that have, like, we kind of know, we know what the risks are. We, and if it develops something new, it’s not crazily new, but renewables and in wind in specific haven’t been around that long. And the early stuff was like, like you said, right? If a one megawatt turbine goes down, like. That sucks. Yeah. For everybody, right? But it’s not the end of the world. We can, we can make this thing happen. You’re talking, you know, you may have a, you know, your million, million and a half dollars here, $2 million here for a complete failure. And then the business interruption costs as a, you know, with a one megawatt producing machine isn’t, again, it’s not awesome, but it’s not like it, uh, it doesn’t break the books. Right. But then when we’re talking 3, 4, 5, 6. Seven megawatts. We just saw Siemens cesa sell the first of their seven megawatt onshore platforms the other day. Um, that is kind of changing the game and heightening the risk and makes things a little bit more worrisome, especially in light of, I mean, as we scaled just the last five, [00:03:00] 10 years, the amount of. Failures that have been happening. So if you look at that and you start expanding it, that, that, that hockey stick starts to grow. Nathan Davies: Yeah, yeah, of course. And you know, we, we all know that these things sort of happen in cycles, right? It’s, you go, I mean, in, in the insurance world, we go through soft markets. We go through hard markets, um, you know, deductibles come up, the, the clauses, the restrictions, all those things get tighter. Claims reduce. Um, and then you get sort of disruptors come into the market and they start bringing in, you know, challenging rates and they start challenging the big players on deductibles and preferential rates and stuff like that. And, and then you get a softening of the market, um, and then you start seeing the claims around up again. But when you twin that with the rate of development that we see in the renewables worlds, it’s, it’s fraught for all sorts of. Weird and wonderful things happening, and most of them are quite expensive. Joel Saxum: Where in that cycle are we, in [00:04:00] your opinion right now? So we, like when I first came into the market and I started dealing with insurance, it was very, we kept hearing hardening, market hardening, market hardening market. But not too long ago, I heard from someone else that was like, Hey, the market’s actually getting kind of soft right now. What are your thoughts on that? And, and or may, and maybe we let, let’s precursor that there’s a lot of people that are listening right now that don’t know the difference. What is a hard market? What is a soft market? Can you give us that first? Nathan Davies: When you’re going through a soft market, it’s, it’s a period where they’ve either been, um, a limited volume of claims or the claim values have been quite small. Um, so, you know, everybody gets. It’s almost like becoming complacent with it, right? It’s like, oh, you know, things are going pretty well. We’re having it. It looks like the operators, it looks like the maintainers are, are doing a pretty good job and they know all of the issues that are gonna be working through in the lifetime of these products. So for the next however many years, we can anticipate that things are gonna gonna go pretty well. But as you see those [00:05:00] deductibles come down, you start getting more of the attritional claims, like the smaller values, um, the smaller downtime periods, all that sort of thing, start coming in as claims. And all of a sudden insurers are like, well, hang on a second. All of a sudden we’ve got loads and loads of claims coming in. Um. All of the premium that we were taking as being bled dry by, by these, these attritional claim. Um, and then you get like a big claim coming. You get a major issue come through, whether it’s, you know, a, a serial issue with a gearbox or a generator or a specific blade manufacturer, and all of a sudden the market starts to change. Um, and insurers are like, well, hang on a second. We’ve got a major problem on our hands here. We’re starting to see more of this, this specific piece of technology being rolled out, um, worldwide. Um, we are in for a lot of potential claims on this specific matter in the future, and therefore we need to protect ourselves. And the way that insurers do that is by [00:06:00] increasing or deductibles, um, increasing their premiums, all that sort of thing. So it’s basically that. Uh, raises the threshold at which a claim can be presented and therefore minimizes the, the outlay for insurers. So that’s sort of this, this cycle that we see. Um, I mean, I can’t, I’ve, I’ve only been in loss adjusting for six years, so I can’t say that I’ve seen, you know, um, multiple cycles. I’ve, I’m probably at the end of my first cycle from a hardening to a softening market. Um. But also, again, I’m not in the underwriting side of things. I’m on the claims side of things, so I own, I’m only seeing it when it’s gone wrong. I don’t know about everything else that the insurance market sees. Joel Saxum: Yeah, the, the softening part, I think as well from a macro perspective, when there’s a softening market, it tends to bring in more capital. Right. You start to see more, more and more companies coming in saying, Hey, I’ve got, [00:07:00] and when I say companies, I mean other capital holders to beat for insurance, right? Like these, the big ones you see, the big Swiss and German guys come in and going, like, I got, I got $500 million I’ll throw into renewables. It seems like to be a good, pretty good bet right now. And then the market starts to change and then they go, uh, oops. Yeah. Nathan Davies: And that’s it. You know, you’ve got the, the StoreWatch of the renewable insurance market like your G cubes and, and companies like that who’ve been in the game for a very long time. They’ve got a lot of experience. They’ve been burned. Um, they know what they want to touch and what they don’t want to touch. And then you get. Renewables, everybody wants to be involved. It covers their ESG targets. It’s, it’s a good look to move away from, you know, your, your oil and your coal and all the rest of it. So, of course, companies are gonna come into it. Um, and if they’re not experienced. Allen Hall: They will get banned. How much reliance do operators have at the moment on insurance? Because it does seem like, uh, Joel and I talk [00:08:00]to a lot of operators that insurance is part of their annual revenue. They depend upon getting paid a certain amount, which then opens up the door to how sort of nitpicky I’ll describe it as the claim. They’ll file. Are you seeing more and more of that as, uh, some of the operators are struggling for cash flow, that there are going after more kind of questionable claims? Um, I think it depends on Nathan Davies: the size of the operator. So you’ve, you’ve obviously got your, your big players, you’ve got your alls and your rws and all of those sort of guys who, the way that they manage their insurance, they’ve probably got, you know, special purpose vehicles. They’ve got, um, sites or clusters of sites that they manage finances independently. They don’t just have the one big or pot. It’s, it’s, it’s managed sort of subdivisions. Um. Those, those guys, we don’t typically tend to see like a big push for a [00:09:00] payment on account partway through a claim. It’s, it’s typically sort of the smaller end of the scale where you might have, um, an operator that manages a handful of smaller, um, assets. The way that we look at it is if you don’t ask, you don’t get, so when we talk to an insured, it’s like. Present your costs, you know, we’ll review them and it’s, it’s better that you present all of your costs and insurers turn around and say, you’re not eligible for this. You know, that that element of it will be adjusted, um, rather than not present something. And it’s like, well, you know, your, your broker then comes further down the line when they say you could have claimed that element of, of the cost. So, um. Typically that’s the approach that we take is, is present everything and we’ll work through and let you know which elements aren’t claimable. Joel Saxum: When we’re talking insurance policies, there can be, you know, like an operator, an owner of a turbine asset can have them. Then there is construction policies and [00:10:00] there’s the EPC company might have a policy and ISP may have a policy. So, so many policies because at the end of the day, everybody’s trying to protect themselves. Like, we’re trying to protect the bottom line. Tr that’s what insurance us for, that’s why we’re here. Um, but so, so, so, so gimme a couple things. Like in your opinion as, let’s look, well, I wanna stay in the operator camp right now, say, during a non non-commission policy, a actual operating policy, wind farm is in the ground, we’re moving along. What are some of the things that, from an, from a loss adjuster’s perspective, that a operator should be doing to protect themselves? I mean, besides. Signing an insurance contract. Yes. But is it, is it good record keeping? Is it having spares on site? Is it, what does that look like from your perspective when you walk into something, Nathan Davies: if you were to take the insurer’s dream operator, that would be somebody who, and you, you’ve kind of hit the nail on the head with a lot of those points, Joel, the, the. The golden [00:11:00] operator would have like a stash of critical spares because the last thing they want to be relying on is, um, an OEM who, you know, they, they’ve, they’ve stopped manufacturing that bit of kit three years ago. They now want to sell you the latest and greatest. It’s 18 months lead time or something like that. Oh yeah, absolutely. And so you are now having to look at potentially refurbishment through. Whether that’s through sort of approved, um, processes or not. Um, you might be looking at, um, sort of, um, aftermarket providers. You know, there, there’s, as soon as you are looking at an aged asset, you are, you are in a really complicated position in terms of your repairability. Um, because, you know, a as we know, you get to sort of that three, five year period after you’ve purchased the product, you’re in real jeopardy of whether or not it’s gonna be. Gonna have that continued support from the original equipment manufacturer. So [00:12:00] critical spares is a really good thing to, it’s, it’s just obviously a really good thing to have. Um, and how you can manage that as well is if you have, um, a customer of sites that are all using the, the same equipment, you could sort of share that between you. There, there could be. Um, so we, we’ve sinned that where, um. An umbrella company has multiple sites, multiple SPVs. Um, they were all constructed at the same sort of time. They’ve got the same transformers, you know, the same switchgear, same infrastructure, and they hold a set of spares that cover these, all these sites. ’cause the last thing you want to do is buy a load of individual components for one site. You are then paying to maintain them, to store them to, you know, there’s, there’s a lot of costs that come with. Along with that, that you, you don’t wanna be covering. If that’s just for the one site and it’s the [00:13:00] eventualities, that may never happen. So if you’ve got multiple sites and you can spread those costs, all of a sudden it’s a lot more, um. Could Joel Saxum: you see a reality where insurers did that? Right? Where like a, like a, like a consortium of insurance companies gets together and buys, uh, half a dozen sets of blades and generators and stuff that they know are failures that come up, or they have a pool to pull from themselves to, to avoid these massive bi claims. Nathan Davies: Yeah. I mean maybe there’s, maybe there’s the potential for a renewables pool. I mean, it’s always. Complicated. As soon as you start trying to bring sort of multiple companies together with an agreement of that sort of scale, it’s gonna be challenging. But, um, I mean, yeah, in an ideal world, that would be be a great place to be. Um, so critical spares is, that’s, that’s a key thing we, we have seen. So we, we’ve got, um, one account that we work with that they’ve actually got a warehouse full of critical spares. [00:14:00] So they, they have a lot of, um, older turbine models, um, sort of typically, um, 2015 through to, well, yeah, from about 2012 to 2015. Um, these sites were commissioned so they knew there was a, a finite lifetime, uh, replacement blades, generators, gear, boxes, what have you, and it’s like we’ve. A huge number of assets. So what we should do is retain certainly a number of gearboxes and generators that you, we can utilize across, um, the fleet. And obviously they then keep a rolling stock of refurbishment and repairs on those. But they, they basically included in their, their premium spreadsheet, they’ve got all of their individual sites. Then they’ve got a warehouse that is full of all their spares, and that is an inuring asset, is their warehouse full of critical spares. Joel Saxum: So what Nathan Davies: happens to Joel Saxum: that Nathan Davies: person then? Does Joel Saxum: their premiums go [00:15:00] down? Because they have those spares, they’ve got really low deductibles on their bi. So there’s a business case for it probably, right? Like if you’re sitting there, if you’re, if you’re, you’re an accountant, you can figure that out and say like, if we hold these spares for this fleet, like if you’re, if you’re a fleet, if you have a homogenous fleet, say you’ve got a thousand turbines that are basically all the same model. W you should have centrally located amongst those wind farms, a couple of blade sets, a couple of generators, couple of pitch bearings, couple of this, couple of that. And you can use them operationally if you need to, but it’s there as spares, uh, for insurance cases. ’cause you’ll be able to re reduce your insurance premiums or your insurance deductibles. Allen Hall: That’s remarkable. I don’t know a lot of operators in, at least in the United States that have done that, I’m thinking more of like Australia where it’s hard to get. Parts, uh, you, you probably do have a little bit of a warehouse situation. That’s really interesting because I, I know a lot of operators are thinking about trying to reduce their premiums and simple things like that would, I would imagine it make a huge difference [00:16:00] in what they’re paying each year and that that’s a smart move. I, I wanna ask about the IEC and the role of certification in premiums. What does it mean and how do you look at it as an industry? Uh, one of the things that’s happening right now is there’s a number of, I think some of the major IEC documents in, in our world, in the lightning world are going through revision. Does that, how do, how do you assess that risk that the IEC specs or the sort of the gold standard and you have the certification bodies that are using them to show that the turbines are fit for purpose. Is there a reliance upon them? Does, does it help reduce premiums if there’s an I-E-C-I-I, I’m not even sure how the industry, the insurance industry looks at it. Or is it more of how the turbines perform in the first year or two, is how, what’s gonna really gonna drive the premium numbers? I mean, insofar as Nathan Davies: I eecs, it’s, that’s a really tough question. It’s, it’s [00:17:00]interesting that you ask that. ’cause um, I mean certainly from the lightning perspective, the, the IEC. We look at on that the blades need to withstand a lightning strike of a known value, but even within that, they, within the IEC, there’s an allowance of like 2%, I think, um, for blade strikes that can still cause damage even if they’re within the rate of capacity of the LPS. Um, so in the insurance world, this is a big gray area because each, um, operator has a, a turbine, uh, has a blade failure because of a lightning strike. They’ll then immediately go to the OEM and say, um, you know, we’ve had had a lightning strike, we’ve had a blade failure. Can you come and repair or replace the blade? Sure, no bother. Um, down the line, we have an insurance claim for this repair or replacement. And insurers are like, well, what’s the lightning data? And if that’s within the [00:18:00] LPS standard, it’s like, well, why have. Why is this not covered under warranty? And, you know, you, your OEMs will always turn around and say, force majeure. Um, it’s, it’s that 2%. So the IEC, even though that’s, you know, it’s, it’s best standards, it still has a degree of allowance that, um, the OEMs can slip through and be like, well this, this falls with insurance. And again, I can only speak for what I’ve seen, but that is. We see, I’d say, um, Lloyd Warwick, we probably see 50 plus notifications a year for blade damage from lightning and, um, almost every time if it’s within the capabilities of the LPX, the OEM or say towards majeure and Atlanta with insurers. Allen Hall: Well, is there a force majeure for gearboxes or generators or transformers? [00:19:00] Is, is there a 2% rule for transformers? I don’t, I don’t think so. Maybe there is, but it is, it, it is a little odd, right, that, that there’s so many things that are happening in the insurance world that rely upon the certification of the turbine and the sort of the expected rates of failure. I have not seen an operator go back and say, we have a 3% rate of, of damage of my transformers, so therefore I wanna file a claim. But that, that doesn’t seem to occur nearly as often as on the lightning side where it’s force majeure is used probably daily, worldwide. How do we think about that? How do we, how do we think about the transformer that fails versus the lightning damage? Are they just considered just two separate things and uncontrollable? Is that how the insurance industry looks at it? If we, if we would Nathan Davies: talk about transformers. So the fact is that we see on those can vary from, you know, it’s, it’s a minor electrical component that that goes, um, [00:20:00] which is relatively easy to pin down. But then at the other end of the spectrum, you’ve got a fire where it’s. You know, with all, all the will in the world, you could go in and investigate, but you’re not gonna find the cause of that fire. Um, you know, the damage is so great that you, you could probably say, well, the ignition point is there because that’s where the most damages occurred and it’s spread out. But, but how is that occurred? The know, and we, we do have that, that happens not frequently, but um. You know, as an engineer, I, I want to get to the bottom of what’s caused things, but, but all too often we come away from a claim where it’s like we don’t know exactly what’s caused it, but we can’t confirm that it’s excluded in the policy and therefore it, it must be covered and, you know, the claim is valid. Um, so in, in terms of causation and the standards and all the rest of it. Joel Saxum: It goes to an extent. So this is a, this is another [00:21:00] one. So Alan was talking about lightning and blades. Then we talked about transformers a little bit. I wanna talk about gear boxes for just a second, because gearbox usually, um, in, in my, my experience in, in the wind world, claims wise, it’s pretty black and white. Was it, did it, did it fail? This is how it failed. Okay. Blah, blah, blah. Did was maintenance done at blah? So I heard the other day from someone who was talking about, uh, using CMS. On their, on their gener, on their, uh, gearbox, sorry. So it was an operator said, Hey, we should be, and, and a company coming to them saying, well, you should be monitoring CMS. This is all the good things it can do for you operationally. And the operator, the owner of the turbine said, I don’t want it, because if I know there’s something wrong, then I can’t claim it on insurance if it fails. Does that ring Nathan Davies: true to you? Part of our process would be to look at the data. Um, so we know nine times out of 10 there is condition [00:22:00] monitoring, there is start out there, there, all this stuff. The operator, um, assistance tools, and if we can look at a gearbox vibration trend. Um, along with, you know, bearing temperature, uh, monitoring and all that sort of thing. And if you can see a trend where the vibrations are increasing, the temperatures are increasing, um, and there’s no operator maintain maintenance intervention, then, you know, if, if you, if you’ve received an alarm to say, Hey, there’s something wrong with me, you should probably come and have a look and you’ve done nothing about it, then. It’s, Joel Saxum: it’s not great. Okay. So, so that, so that it rings, it kind of in a sense, rings true, right? That what that operator was saying, like the way their mind was working at that stage. ’cause this is, this is during, again, like, so we, Alan and I from the uptime network and just who we are, like we know a ton of people, we know [00:23:00] solutions that are being sold and, and this her about this. And I was like, man, that seems like really shortsighted, but there’s a reality to it that kind of makes sense, right? If they don’t have. I, it, it just seems unethical, right? It seems like if I don’t have the budget to fix this and I don’t wanna look at it, so I’m just waiting for it to fail. I don’t want the notifications so then I can claim it on insurance. ’cause I don’t wanna spend the money to go fix it. Like, seems, seems not cool. Nathan Davies: Yeah. So the, I mean the, the process, the process of the insurance claim, if, if you want to look at it in almost an over simplistic way, um, a claim is notified. Um, to trigger an operational policy, there needs to be proof of damage, right? So in this instance, your gearbox has failed, whether that’s gear, teeth have have been pulled off, you’ve had a major bearing failure, whatever it is. So there’s your damage. So insurers are now [00:24:00] engaged. Um, the rules of the game. It’s now on insurers to prove that whatever has caused that damage is an exclusion. So in this instance, um, you know, that might be wear and tear, gradual deterioration, uh, could be rust. Um, and, and part of that is poor workmanship. Um, so if they have knowingly like. Cover their shut, their eyes covered, their ears just ignored this gearbox slowly crunching its way to, its, its inevitable death. You know, it, it’s not reasonably unforeseen. It’s not an unpredictable event. This was going to happen if you can see that, that trend, um, towards the failure, um, and in that light, it would, in theory be an uninsured event. Um, but [00:25:00] we know that. 90 plus percent of owner operators have, at least on their drive train, they have some sort of condition monitoring, whether that’s, you know, temperature sensors, vibration sensors, uh, noise sensors, you know, all that sort of stuff. We know that it’s there, but what’s really interesting in the claims process is. The first thing that we’ll ask is, where’s your proof of damage? Let’s see your alarm data, your scarda data, all this sort of thing. Joel Saxum: Does the RFI get responded to? Nathan Davies: Yeah, yeah, yeah. Um, and it’s like, oh no, we, you know, we don’t have the SCARDA data. And we’ve had instances where a company, a company had turned around and said, oh, we don’t have any SCARDA data for the time of this event. It’s like, oh, that’s interesting. And worked our way through the process. And eventually insurers were like, you know what? We’re, we’re gonna deny this one. We’re not. Things aren’t adding up, we are not happy with it. Um, and all of a sudden out the woodwork, we get scar data, we get the, the insured’s, um, failure report, [00:26:00] which I mean, there was computational flow dynamics. There were, there were like all sorts of weird and wonderful data that had been thrown into the, this failure analysis. And it’s like, well, you’ve done our jobs for us. Why did you not just hand this over at the beginning? We know that this stuff exists, so. Just, just playing, playing dumb itch. It’s just a frustration really. Allen Hall: It does seem like the operators think of loss adjustment in insurance companies as having a warehouse full of actuaries with mechanical calculators and they’re back there punching numbers in and doing these calculations on. I lost this gearbox from this manufacturer at, at this timeframe, and, and I understand all this data. That’s not how it works, but I do think there’s this, uh, assumption that that. Uh, there’s a in wind energy that because of the scale of it, there’s a lot of, of backend research that’s happening. I, I don’t think that’s true, or, I mean, you can tell me if it’s true or not, [00:27:00] but I don’t think so. But now, in the world of AI where I can start to accumulate large sets of data and I have the ability to process it with just a single person sitting in front of a laptop, is it gonna get a little harder for some of these claims that have Mercury, just really shady histories to get? Approved. Nathan Davies: I, I think that’s inevitable. You know, whenever we go and speak to an insurer, you know, insurers are always interested, are interested in what’s the latest claims data, what are the trends that we’re seeing, all this sort of thing. So we’ll sit down with them for an hour and a half and we’ll say, oh, this was interesting. This is what went well, this is what didn’t go so well. And then they always sort of grab us just as we’re about to leave and we’ve, we’ve said our goodbyes, and they’re like, so you guys have a. Claims database. Right? Every time. Yep. And it’s like, how’d you feel about, about sharing your data? And it’s, it’s every insurer without failure. They’re like, let’s see your claims [00:28:00] database. Okay. Right. So we can share, we can share some information. Obviously it needs to be sanitized. We don’t want to provide identifying information, all that sort of stuff. You’re looking at thousands and thousands of lines of data. And the big problem that we have with any database like this is, it’s only as good as the data that’s been entered, right? So if, if every claims handler, if every loss adjuster is entering their own data into this database, my interpretation of, of a root cause failure, maybe different to somebody else’s. So what we are gonna start seeing in the next year to three years. Is the application of AI to these databases, to to sort of finesse the poor quality data that’s been entered by multiple, you know, it’s, it’s too many cooks. Spoiled broth. All of these people have entered their own interpretation of data, will start to see AI finesse [00:29:00] that, and all of a sudden the output of it will be. Really, really powerful, much better risk models. Yeah. And I think that’s, that’s inevitable in the next two to five years. Um, and I think insurers will, but again, the, we go back to the cyclic thing. So the, the data that we have is the claims that we’ve had over the past however many years, but all the while that the OEMs are manufacturing. New gearboxes, new generators, new blades. We don’t know about the problems that are gonna come out the woodwork. We can tell you about failures that might happen on aged assets, but we can’t tell you about what’s gonna fail in the future. Allen Hall: Well, is there an appetite to do what the automobile world is doing on the automobile insurance? Have basically a plugin to monitor how the driver is doing the State Farm drive safe and [00:30:00] save. Yeah. Your little black box is, is that where eventually this all goes? Is that every turbine’s gonna have a little black box for the insurance company to monitor the asset on some large scale, but then that allows you then to basically to assess properly what the rates should be based on the actual. Data coming from the actual turbines so that you, you can get a better view of what’s happening. Nathan Davies: I mean, it’s challenging because obviously you can only get so much from, from that monitoring data. So arguably that’s, that’s like the scarda data. But then there’s, there’s the multiple other inputs that we’re looking at. I’d say the vast majority of claims come from some form of human intervention. And how do you record that? Human intervention. Allen Hall: Right? You, it’s like getting an oil change in your car. If the guy forgets to put the oil plug in. Pretty much you’re, you’re gonna get a mount down the road and engine’s gone. [00:31:00] And that’s, that may be the, that may be ultimately where this all goes. Is that a lot of it’s just human error. Nathan Davies: Yeah. It’s, you know, we, we can take the, the operating data, you can start to finesse maintenance reports and, and try to plug that into this data stream. But you can guarantee, like you can absolutely bet your bottom dollar, but when there’s an insurance claim and it’s like. That one key document that you need that will answer that question, nobody knows Allen Hall: where it is. This has been a great discussion and Nathan, we need to have you back on because you provide such great insights as to what’s happening in the insurance world and and the broader wind energy world and. That’s where I like talking to you so much. Nathan, how do people get a hold of you? Can they reach you via LinkedIn? Nathan Davies: Yeah, I’m on LinkedIn. Um, you can also find me, um, on the Lloyd Warwick website. Sounds great. Allen Hall: Nathan, thank you so much for being on Nathan Davies: the podcast. Right. Appreciate it. Thank you so much [00:32:00] guys.
Connecting across generations can be tough, even in the same family. This is at the heart of Amy Tan's 1989 novel The Joy Luck Club. This week, we're bringing you an episode from NPR's Books We Loved series, where our very own B. A. Parker, along with Andrew Limbong and The Indicator's Wailin Wong, discuss how miscommunication and misunderstandings between parents and their children continues to be a theme in stories of immigrant families today.You can listen to more Books We Loved in the Book of the Day podcast feed.Learn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy
This is part 3 of the the recording of my invited Saint Anselm Lecture, given in 2008 at Saint Anselm College. Here is the abstract of the paper: One important divine attribute Saint Anselm examines and treats is that of simplicity. His treatment brings out some surprising features of simplicity itself which escape the frameworks of the logic of created being, providing us a fuller, albeit still very partial, understanding of the true nature of that attribute. A deep problem can then arise for the created human being in the course of such speculations and investigations: How can a complex, complicated, composite created being more closely approach a perfectly simple divine being? In both our thought and in our practice, it seems that our attempts to approach God simply introduce even more complexity into things. My paper addresses that problem. The first section of the paper presents five short Anselmian lessons about the divine attribute of simplicity. The second section then frames and explores the problem. The third and final section provides an Anselmian resolution to the problem. To support my ongoing work, go to my Patreon site - www.patreon.com/sadler If you'd like to make a direct contribution, you can do so here - www.paypal.me/ReasonIO - or at BuyMeACoffee - www.buymeacoffee.com/A4quYdWoM You can find over 3,500 philosophy videos in my main YouTube channel - www.youtube.com/user/gbisadler You can get Anselm's Complete Treatises: with Selected Letters and Prayers here - https://amzn.to/3YqF74L
Send us a textNick Hart is the Principal at Horizon English School in Dubai, part of the Cognita global network of schools. Nick holds an MBA in International Educational Leadership and has authored two books on educational leadership, focusing on its cultural and impact domains.A Few Quotes From This Episode"Schools are complex adaptive systems, not complicated machines“There is no such thing as a follower; everyone nudges the organization toward purpose.”“Feedback loops in schools might not show up for weeks, months, or even years.”“Leadership isn't a hero up on the balcony, it's about helping others hold ambiguity.”“Designing decision clarity early is one of the most powerful things you can do as a leader.”Resources Mentioned in This EpisodeBook: Creating a Strong Culture and Positive Climate in Schools by HartBook: Impact: A five-part framework for making a difference in schools by HartArticle: DAC Model Article: DARE Model by McKinseyArticle: Elliott Jaques' Levels of WorkLinkedIn: Richard ClaytonLinkedIn: Stefan NorrvallAbout The International Leadership Association (ILA)The ILA was created in 1999 to bring together professionals interested in studying, practicing, and teaching leadership. About Scott J. AllenWebsiteWeekly Newsletter: Practical Wisdom for LeadersMy Approach to HostingThe views of my guests do not constitute "truth." Nor do they reflect my personal views in some instances. However, they are views to consider, and I hope they help you clarify your perspective. ♻️ Please share with others and follow/subscribe to the podcast!⭐️ Please leave a review on Apple, Spotify, or your platform of choice.➡️ Follow me on LinkedIn for more on leadership, communication, and tech.
This is part 2 of the the recording of my invited Saint Anselm Lecture, given in 2008 at Saint Anselm College. Here is the abstract of the paper: One important divine attribute Saint Anselm examines and treats is that of simplicity. His treatment brings out some surprising features of simplicity itself which escape the frameworks of the logic of created being, providing us a fuller, albeit still very partial, understanding of the true nature of that attribute. A deep problem can then arise for the created human being in the course of such speculations and investigations: How can a complex, complicated, composite created being more closely approach a perfectly simple divine being? In both our thought and in our practice, it seems that our attempts to approach God simply introduce even more complexity into things. My paper addresses that problem. The first section of the paper presents five short Anselmian lessons about the divine attribute of simplicity. The second section then frames and explores the problem. The third and final section provides an Anselmian resolution to the problem. To support my ongoing work, go to my Patreon site - www.patreon.com/sadler If you'd like to make a direct contribution, you can do so here - www.paypal.me/ReasonIO - or at BuyMeACoffee - www.buymeacoffee.com/A4quYdWoM You can find over 3,500 philosophy videos in my main YouTube channel - www.youtube.com/user/gbisadler You can get Anselm's Complete Treatises: with Selected Letters and Prayers here - https://amzn.to/3YqF74L
In this episode of Commit, Jason Ingber sits down with AY Milstein for what starts as a straightforward interview and immediately becomes anything but. Jason asks one simple question, "What do you do for a living?" AY answers and never breaks character. What follows is a long form improv spiral involving solar sales, corn powered energy, questionable FDA approvals, Christopher Nolan's Interstellar, religious identity, trauma, ambition, and the moment an interview quietly turns into a commitment to the bit. This episode blends absurd comedy with unexpectedly honest moments, as AY commits fully and Jason slowly realizes there is no way out but forward. If you enjoy improv, long form chaos, and conversations that refuse to stay on track, this episode delivers.
Alice has gotten so crafty lately! She's settled in nicely to her half old lady/half little kid era. Meanwhile, Doug dabbles in mimery while pining for a well crafted sandwich. Also, it's the 32nd anniversary of the (obviously unfortunate) Nancy Kerrigan assault. Doug and Alice talk about it for a bit, even noting the date of the attack. And it never even occurs to them that it was on this very day. It went terribly indeed.Other discussion topics may include:- What cookie would you name your kid after?- Very real Canadian friends- Are eggs just white apples? An explanation will be provided.- Legendary spoonerized composer Juan Jilliams- How to grow a chicken tree
This podcast shows you how to fully recover from OCD.Each episode breaks down the exact techniques and nuances that stop rumination, reduce compulsions, and help you retrain your brain out of the OCD cycle. We cover every major OCD theme, including:Pure-O OCDRelationship OCDHarm OCDReal Event OCDSO-OCD / Sexuality OCDReligious / Scrupulosity OCDCleaning & Contamination OCDPhysical CompulsionsAll other OCD subtypesMy goal is simple: clear guidance that actually works, explained in a way that is calm, direct, and easy to apply immediately.You can fully recover from OCD. Don't give up — you're not stuck, and your brain can change.
God Speaks: Rethinking Our Relationship With the Bible
Autoimmune Rehab: Autoimmune Healing, Support for Autoimmune Disorders, Autoimmune Pain Relief
Autoimmune healing doesn't have to feel confusing, expensive, or impossible—but it often does. In this solo episode, I break down why so many women feel stuck and overwhelmed in their wellness journey, even when they're "doing all the right things." We'll talk about the biggest myths around autoimmune wellness, why complexity can actually slow healing, and how to return to simple, supportive practices that help your body feel safer, calmer, and more resilient. Schedule a 1 hour pick my brain session to get personalized help and resources. https://tidycal.com/annalaurabrown/coaching-session My youtube channel with videos of this podcast and more. https://youtube.com/c/annalaurabrownhealthcoach Check out my essential oils membership and coaching and schedule a free consultation. http://essentialwellnesscircle.com Request a free foundations of wellness kit: https://forms.gle/jBoGuUSNJebET77B6 Watch my free 3 steps to an autoimmune energy reset: https://annalaurabrown.com/autoimmune-energy-webinar/
HENRY AVERY: THE COMPLICATED GENIUS WHO SPARKED THE GOLDEN AGE OF PIRACYColleagues Sean Kingsley and Rex Cowan, The Pirate King. Host John Batchelor introduces the authors of The Pirate King to discuss Henry Avery, a "complicated genius" who raided a Mughal treasure ship in 1695. While this heist sparked the Golden Age of Piracy, the authors reveal that Avery did not merely vanish but entered a world of espionage. NUMBER 1
This is part 1 of the the recording of my invited Saint Anselm Lecture, given in 2008 at Saint Anselm College. Here is the abstract of the paper: One important divine attribute Saint Anselm examines and treats is that of simplicity. His treatment brings out some surprising features of simplicity itself which escape the frameworks of the logic of created being, providing us a fuller, albeit still very partial, understanding of the true nature of that attribute. A deep problem can then arise for the created human being in the course of such speculations and investigations: How can a complex, complicated, composite created being more closely approach a perfectly simple divine being? In both our thought and in our practice, it seems that our attempts to approach God simply introduce even more complexity into things. My paper addresses that problem. The first section of the paper presents five short Anselmian lessons about the divine attribute of simplicity. The second section then frames and explores the problem. The third and final section provides an Anselmian resolution to the problem. To support my ongoing work, go to my Patreon site - www.patreon.com/sadler If you'd like to make a direct contribution, you can do so here - www.paypal.me/ReasonIO - or at BuyMeACoffee - www.buymeacoffee.com/A4quYdWoM You can find over 3,500 philosophy videos in my main YouTube channel - www.youtube.com/user/gbisadler You can get Anselm's Complete Treatises: with Selected Letters and Prayers here - https://amzn.to/3YqF74L
Are your sales processes too complex for customers to say “yes”?In today's fast-paced market, complexity is killing conversions. If you've lost deals lately and can't pinpoint why, it might be time to simplify. In this episode, you'll learn how to declutter your sales approach—so your customers can buy faster, easier, and with more confidence in 2026.Here's what you'll take away from this episode:The four areas of your sales process that must be simplified to increase conversion: from targeting and lead gen to quoting and offers.How decision fatigue is stalling your customers—and what to do about it starting today.Real-world examples of how businesses in trade, construction, and industry are tightening focus and winning more deals.Listen now to discover how simplifying your sales strategy can unlock faster growth and better results in the year ahead.New episodes every Monday, Wednesday and Friday.Grow Your Sales By 25% - Book in for a FREE 30-minute Sales Process Audit and walk out with 3 rapid actions that will GROW your SalesTo see how we've helped business grow their sales: Read Client ResultsWatch TestimonialsOr email Ben if you would like to get in touch: hello@strongersalesteams.comThis podcast helps the entrepreneur, founder, CEO, and business owner in the trade, construction and industry segments, regain focus, build confidence, and achieve measurable results through powerful sales training, effective sales strategy, and expert sales coaching—guiding every sales leader, sales manager, and sales team in mastering the sales process, optimizing the sales pipeline, and driving business growth while fostering leadership, balance, and freedom amidst overwhelm, stress, and potential burnout, creating lasting peace of mind and smarter decision making for every California business and Australia business ready to scale up with excellence in sales management.
I love it. But not as much as some people.
Opposition Feeds Greatness Hosted on Acast. See acast.com/privacy for more information.
The 2025 season is officially in the books. As he made his way back from El Paso, Brad Denny gave a rundown of the big takeaways from ASU's shootout loss to Duke in the Sun Bowl, who stood out, and the complicated evaluation of the 2025 season.
After 800+ episodes diving deep into attachment theory, Tracy's making a shift. Freedom from Attachment is becoming UNcomplicated. Why? Even after all that work, she was still treating herself like “what's wrong?” The age-old question lingering from birth… what needs fixing? Ya know when things are happening that suck or it seems difficult to have what you want—some of us go to “what am I doing wrong?” Or “Is it just me, and if so how do I change it so I am happy?” You can do all the work and still be waiting to arrive at some magical place where you're finally "happy." That place doesn't exist. You don't arrive to happy, you decide to be happy even when your life ain't all that! The whole wrong thing–most anxious avoidant people don't realize, you're an extremist. Black or white–right or wrong. No gray. And that's exhausting as f***. Anywho–even if you're attached or you are not where you want to be—can't things be okay now? Instead of finding the solution, it's to allow things inside to move, shift and change without it being a lifelong pursuit. “If only I hadn't said this or done that.” Let's get Uncomplicated. It all came in a dream, simplicity is a choice and it's how I want to live. How about you? So–the UNcomplicated series will be talking about how to get UNboxed. We are in a box, and I am not going to magically change you in a weary world. I'm supplying fun while growing. Yeah–so listen in and have some fun! In this episode, Tracy explores: * Why treating yourself as a science project keeps you stuck * "Not your fault" vs. "your responsibility" * Living in the gray instead of extremes * Having fun even when life totally sucks "It's not your fault, but it is your responsibility. Nobody can fix it for you. Nobody." ~ Tracy Crossley
President Trump said that he delayed U.S. military strikes in Nigeria until Christmas Day to deliver a message to groups he alleges are targeting Christians. The Nigerian government praised the attacks and said it provided the U.S. with the necessary intelligence. Nick Schifrin discussed more with former Amb. J. Peter Pham, the special envoy for the Sahel Region during Trump's first term. PBS News is supported by - https://www.pbs.org/newshour/about/funders. Hosted on Acast. See acast.com/privacy
December can be a strangely emotional time—even when everything looks festive on the outside. In this podcast, Matthew revisits “Complicated Christmas,” a message created for anyone whose holiday doesn't match the picture-perfect version we so often see online.If you've ever felt the weight of loneliness, grief, anxiety, or that uneasy mix of emotions that tends to surface as the year winds down, this podcast is a reminder that you're far from alone—and that what you're feeling is more common than you think.---►► If this season feels especially heavy and you don't have someone you can talk to right now, Matthew AI is here for you. It's a private, judgment-free space to sort through what you're feeling, get grounded, and feel a little less alone—anytime you need it. You can try it now for free at AskMH.com Hosted on Acast. See acast.com/privacy for more information.
When your life is as outsized as the World’s Greatest Showman PT Barnum it’s pretty easy to - you know - gloss over the grimmer aspects when you turn it into an uplifting musical movie. But the way to understand a person is to look at them, warts and all. Josh and Chuck take a full accounting in this classic episode.See omnystudio.com/listener for privacy information.
Tucker Wetmore stops by and walks Bobby through the nerves leading up to his CMA performance. He describes what it felt like backstage, how he calmed himself down, and why he can be his own toughest critic even when everything goes right. Tucker also opens up about the moment he dropped out of college and finally told his mom he was going all-in on music, plus the family and faith background that shaped him growing up.Then it turns into a full timeline of the grind: moving to Nashville with what he could fit in a POD, working whatever jobs he could, DoorDashing for two years, and stretching meals while he tried to make songwriting and the right meetings happen. Tucker breaks down how posting covers on TikTok helped open doors, what changed once he started writing every day, and how that momentum turned into a Nashville publishing deal. Along the way, he shares a complicated family story involving his biological dad and what it was like reconnecting as an adult. Tickets to Tucker's 'The Brunette World Tour', which kicks off in February are on sale at TuckerWetmore.com Follow on Instagram: @TheBobbyCast Follow on TikTok: @TheBobbyCast Watch this Episode on Youtube See omnystudio.com/listener for privacy information.