Podcast appearances and mentions of dan mcgrath

Crain's contributor Dan McGrath joins host Amy Guth to discuss the changing landscape of college ball, from the flood of NIL cash to the many roster moves it brings.Plus: As Trump tariffs move from threat to reality, some Chicago industries brace for the impact; private-equity firm closes in on acquisition of Walgreens; GSA moves to close some SEC regional offices, including Chicago's; and NASCAR returns to Chicago with reduced concert lineup and ticket prices.

The death of the Chicago Bears' longtime matriarch Virginia McCaskey leaves behind questions about the future of the franchise. Crain's contributor Dan McGrath discusses with host Amy Guth.Plus: Trump DOJ accuses Pritzker, Johnson and other local Dems of defying immigration crackdown; Illinois revs up more EV incentives amid uncertain fate of federal rebates; judge declines to extend "swipe fee" injunction to credit card companies; and the publisher of the Chicago Daily Law Bulletin puts its longtime River North home up for sale.

At the GraphSummit, I interviewed Dan McGrath, VP of Product Management, Cloud at Neo4j, following his presentation on Neo4j's product roadmap. Our discussion focused on Neo4j's Knowledge Graph builder, and Dan shared some great insights -- -- The vision behind creating the Knowledge Graph builder and the specific challenges it solves for organizations -- How the tool works, its core benefits, and who can best leverage it for maximum impact -- The improvements and enhancements made since its launch, making it more effective and user-friendly -- Where users can access the tool, along with resources for anyone looking to explore and try it out Dan's insights highlighted how this powerful tool is driving innovation in knowledge graphs and empowering teams to make smarter, data-driven decisions. #data #ai #graphragsummit #neo4j #theravitshow

Dan McGrath, the voting expert, takes us to task on voting information. Six new MN laws that are problematic to say the least. America's least favorite mayor throws an $85k party, Kenny loves her. Johnny Heidt with guitar news.Heard On The Show:Juvenile arrested after admitting to threats against St. Paul schoolsMeasles cases continue to increase in MinnesotaDHS designates Jan. 6 a National Special Security Event Learn more about your ad choices. Visit podcastchoices.com/adchoicesSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Dan McGrath, the voting expert, takes us to task on voting information. Six new MN laws that are problematic to say the least. America's least favorite mayor throws an $85k party, Kenny loves her. Johnny Heidt with guitar news. Heard On The Show: Juvenile arrested after admitting to threats against St. Paul schools Measles cases continue to increase in Minnesota DHS designates Jan. 6 a National Special Security Event Learn more about your ad choices. Visit megaphone.fm/adchoices

Every American who has a mortgage is required by their bank to have homeowners insurance, but getting it and keeping it is becoming a challenge. In this episode, hear the highlights of a Senate hearing examining the problems in the homeowners insurance market and why they might lead to much bigger problems next time disaster strikes. Please Support Congressional Dish – Quick Links Contribute monthly or a lump sum via Support Congressional Dish via (donations per episode) Send Zelle payments to: Donation@congressionaldish.com Send Venmo payments to: @Jennifer-Briney Send Cash App payments to: $CongressionalDish or Donation@congressionaldish.com Use your bank's online bill pay function to mail contributions to: Please make checks payable to Congressional Dish Thank you for supporting truly independent media! Background Sources Effects of Climate on Insurance Christopher Flavelle and Mira Rojanasakul. May 13, 2024. The New York Times. Chris Van Hollen et al. September 7, 2023. Chris Van Hollen, U.S. Senator for Maryland. Alice C. Hill. August 17, 2023. Council on Foreign Relations. Insurance Information Institute. Antonio Grimaldi et al. November 19, 2020. McKinsey & Company. Lobbying OpenSecrets. OpenSecrets. OpenSecrets. Heritage Foundation SourceWatch. Demotech William Rabb. April 15, 2024. Insurance Journal. Parinitha Sastry et al. December 2023. Fannie Mae Adam Hayes. May 17, 2023. Investopedia. Hurricanes National Oceanic and Atmospheric Administration. National Oceanic and Atmospheric Administration. Audio Sources Senate Committee on the Budget June 5, 2024 Witnesses: Glen Mulready, Insurance Commissioner, State of Oklahoma Rade Musulin, Principal, Finity Consulting Dr. Ishita Sen, Assistant Professor of Finance, Harvard Business School Deborah Wood, Florida Resident , Research Fellow, Heritage Foundation's Grover Hermann Center for the Federal Budget Clips 23:05 Sen. Sheldon Whitehouse (D-RI): In 2022 and 2023, more than a dozen insurance companies left the Florida residential market, including national insurers like Farmers. Residents fled to Citizens Property Insurance, the state backed insurer of last resort, which ballooned from a 4% market share in 2019 to as much as 17% last year. If it has to pay out claims that exceed its reserves, citizens can levy a surcharge on Florida insurance policy holders across the state. Good luck with that. Particularly if the surcharge grows to hundreds or even thousands of dollars to depopulate its books. Citizens has let private insurers cherry pick out its least risk policies. Those private insurers may have problems of their own, as we will hear today. 25:10 Sen. Sheldon Whitehouse (D-RI): The federal budget takes a hit because these insurers and their policies are accepted by Freddie Mac and Fannie Mae, who either own or guarantee a large part of our $12 trillion mortgage market. This all sounds eerily reminiscent of the run-up to the mortgage meltdown of 2008, including a role of potentially captive or not fully responsible rating agencies. 25:45 Sen. Sheldon Whitehouse (D-RI): Florida is far from alone. A New York Times investigation found that the insurance industry lost money on homeowners coverage in 18 states last year, and the states may surprise you. The list includes Illinois, Michigan, Utah, Washington, and Iowa. Insurers in Iowa lost money each of the last four years. This is a signal that hurricanes and earthquakes, once the most prevalent perils, are being rivaled by hail, windstorms, and wildfires. 28:00 Sen. Sheldon Whitehouse (D-RI): This isn't all that complicated. Climate risk makes things uninsurable. No insurance makes things unmortgageable. No mortgages crashes the property markets. Crashed property markets trash the economy. It all begins with climate risk, and a major party pretending that climate risk isn't real imperils our federal budget and millions of Americans all across the country. 33:45 Sen. Chuck Grassley (R-IA): Insurance premiums are far too high across the board and may increase after the recent storms, including those very storms in my state of Iowa. Climate change isn't the primary driver of insurance rate hikes and collapse of the insurance industry isn't imminent. Although I'll have to say, Iowa had six property and casualty companies pull out of insuring Iowans. Climate change doesn't explain why auto insurance premiums in 2024 have increased by a whopping 20% year over year. It also doesn't account for the consistent failure of liberal cities to fight crime, which has raised insurance risk and even caused insurers to deny coverage. Expensive liberal policies, not climate change, are much to blame for these market dynamics. 39:00 Sen. Sheldon Whitehouse (D-RI): The first witness is Rade Musulin. Rade is an actuary with 45 years of experience in insurance, specializing in property pricing, natural perils, reinsurance, agriculture, catastrophe, risk modeling, public policy development, and climate risk. Specifically, he spent many years working in Florida, including as chair of the Florida Hurricane Catastrophe Fund Advisory Council during the time in which Citizens Property Insurance Corporation was established. 39:35 Sen. Sheldon Whitehouse (D-RI): Our second witness is Dr. Ishida Sen. Dr. Sen is an Assistant Professor at Harvard Business School. Her recent research examines the pricing of property insurance and the interactions between insurance and mortgage markets. This includes the role that institutions and the regulatory landscape play and the broader consequences for real estate markets, climate adaptation, and our overall financial stability. 40:00 Sen. Sheldon Whitehouse (D-RI): Our third witness is Deb Wood. Ms. Wood and her husband Dan McGrath are both retired Floridians. They moved to South Florida in 1979 and lived in Broward County, which includes Fort Lauderdale for 43 years until skyrocketing insurance premiums became too much. They now reside in Tallahassee, Florida. 40:35 Sen. Chuck Grassley (R-IA): Dr. EJ Antoni is a Research Fellow at the Heritage Foundation Grover M. Hermann Center for the Federal Budget. His research focuses on fiscal and monetary policy, and he previously was an economist at the Texas Public Policy Foundation. Antoni earned his Master's degree and Doctor's degree in Economics from Northern Illinois University. 41:10 Sen. Chuck Grassley (R-IA): Commissioner Glen Mulready has served as Oklahoma's 13th Insurance Commissioner and was first elected to this position in 2019. Commissioner Mulready started his insurance career as a broker in 1984, and also served in the Oklahoma State House of Representatives. 42:15 Rade Musulin: Okay. My name is Ray Muslin. I'm an actuary who has extensive experience in natural hazard risks and funding arrangements for the damage and loss they cause. I've worked with many public sector entities on policy responses to the challenges of affordability, availability of insurance, and community resilience. This work included participating in Florida's response to Hurricane Andrew, which included the creation of the Florida Hurricane Catastrophe Fund and Citizens Property Insurance Corporation. The Cat Fund and Citizens can access different forms of funding than traditional insurance companies. Instead of holding sufficient capital or reinsurance before an event to cover the cost of potential losses, both entities use public sources of capital to reduce upfront costs by partially funding losses post-event through bonding and assessments. All property casualty insurance policy holders, whether in Citizens or not, are subject to its assessments. While the Cat Fund can also assess almost all policies, including automobile, this approach exposes Floridians to debt and repayment if large losses occur, and it subsidizes high risk policies from the entire population. These pools, others like them in other states, and the NFIP have contributed to rapid development in high risk areas driving higher costs in the long run. In Florida, national insurers have reduced their exposure as a significant proportion of the insurance market has moved to Citizens or smaller insurers with limited capital that are heavily dependent on external reinsurance. To date, Florida's system has been successful in meeting its claims obligations, while improvements in building codes have reduced loss exposure. However, for a variety of reasons, including exposure to hurricanes, claims cost inflation, and litigation, Florida's insurance premiums are the highest in the nation, causing significant affordability stress for consumers. According to market research from Bankrate, the average premium for a $300,000 home in Florida is three times the national average, with some areas five times the national average. A major hurricane hitting a densely populated area like Miami could trigger large and long lasting post-event assessments or even exceed the system's funding capacity. Continued rapid exposure growth and more extreme hurricane losses amplified by climate change will cause increasing stress on the nation's insurance system, which may be felt through solvency issues, non-renewals, growth of government pools, and affordability pressure. 44:55 Rade Musulin: Evidence of increasing risk abounds, including Hurricane Otis in 2023, which rapidly intensified from a tropical storm to a cat. five hurricane and devastated Acapulco in Mexico last summer. Water temperatures off Florida exceeded a hundred degrees Fahrenheit last week. As was alluded to earlier, NOAA forecast an extremely active hurricane season for '24. We've seen losses in the Mid-Atlantic from Sandy, record flooding from Harvey, and extreme devastation from Maria, among others. In coming decades, we must prepare for the possibility of more extreme hurricanes and coastal flooding from Texas to New England. 46:50 Dr. Ishita Sen: Good morning Senators. I am Ishita Sen, Assistant Professor at Harvard Business School and my research studies insurance markets. In recent work with co-authors at Columbia University and the Federal Reserve Board, I examine how climate risk creates fiscal and potentially financial instability because of miscalibrated insurer screening standards and repercussions to mortgage markets. 47:15 Dr. Ishita Sen: Insurance is critical to the housing market. Property insurers help households rebuild after disasters by preserving collateral values and reducing the likelihood that a borrower defaults. Insurance directly reduces the risks for mortgage lenders and the Government-Sponsored Enterprises (GSEs) such as Fannie Mae and Freddie Mac Mortgage Lenders therefore require property insurance and the GSEs only purchase mortgages backed by insurers who meet minimum financial strength ratings, which measure insurer solvency and ability to pay claims. The GSEs accept three main rating agencies AM Best, S & P and, more recently, Demotech. And to provide an example, Fannie Mae requires insurers to have at least a B rating from AM Best, or at least an A rating from Demo Tech to accept a mortgage. Now, despite having this policy in place, we find a dramatic rise in mortgages backed by fragile insurers and show that the GSEs and therefore the taxpayers ultimately shoulder a large part of the financial burden. Our research focuses on Florida because of availability of granular insurance market data, and we show that traditional insurers are exiting and the gap is rapidly being filled by insurers, rated by Demotech, which has about 60% market share in Florida today. These insurers are low quality across a range of different financial and operational metrics, and are at a very high risk of becoming insolvent. But despite their risk, these insurers secure high enough ratings to meet the minimum rating requirements set by the GSEs. Our analysis shows that many actually would not be eligible under the methodologies of other rating agencies, implying that in many cases these ratings are inflated and that the GSEs insurer requirements are miscalibrated. 49:20 Dr. Ishita Sen: We next look at how fragile insurers create mortgage market risks. So in the aftermath of Hurricane Irma, homeowners with a policy from one of the insolvent Demotech insurers were significantly more likely to default on their mortgage relative to similar borrowers with policies from stable insurers. This is because insurers that are in financial trouble typically are slower to pay claims or may not pay the full amounts. But this implies severe economic hardships for many, many Floridians despite having expensive insurance coverage in place. However, the pain doesn't just stop there. The financial costs of fragile insurers go well beyond the borders of Florida because lenders often sell mortgages, for example, to the GSEs, and therefore, the risks created by fragile insurers spread from one state to the rest of the financial system through the actions of lenders and rating agencies. In fact, we show two reasons why the GSEs bear a large share of insurance fragility risk. First is that lenders strategically securitize mortgages, offloading loans backed by Demotech insurers to the GSEs in order to limit their counterparty risk exposures. And second, that lenders do not consider insurer risk during mortgage origination for loans that they can sell to the GSEs, even though they do so for loans that they end up retaining, indicating lax insurer screening standards for loans that can be offloaded to the GSEs. 50:55 Dr. Ishita Sen: Before I end, I want to leave you with two numbers. Over 90%. That's our estimate of Demotech's market share among loans that are sold to the GSEs. And 25 times more. That's Demotech's insolvency rate relative to AM Best, among the GSE eligible insurers. 57:15 Glen Mulready: As natural disasters continue to rise, understanding the dynamics of insurance pricing is crucial for both homeowners and policymakers. Homeowners insurance is a fundamental safeguard for what is for many Americans their single largest asset. This important coverage protects against financial loss due to damage or destruction of a home and its contents. However, recent years have seen a notable increase in insurance premiums. One significant driver of this rise is convective storms and other severe weather events. Convective storms, which include phenomena like thunderstorms, tornadoes, and hail, have caused substantial damage in various regions. The cost to repair homes and replace belongings after such events has skyrocketed leading insurance companies to adjust their premiums to cover that increased risk. Beyond convective storms, we've witnessed hurricanes, wildfires, and flooding. These events have not only caused damage, but have also increased the long-term risk profile of many areas. Insurance companies are tasked with managing that risk and have responded by raising premiums to ensure they can cover those potential claims. 58:30 Glen Mulready: Another major factor influencing homeowner's insurance premiums is inflation. Inflation affects the cost of building materials, labor, and other expenses related to home repair and reconstruction. As the cost of living increases, so does the cost of claims for insurers. When the price of lumber, steel, and other essential materials goes up, the expense of repairing or rebuilding homes also rises. Insurance companies must reflect these higher costs in their premiums to maintain financial stability and ensure they can meet those contractual obligations to policyholders. 59:35 Glen Mulready: I believe the most essential aspect of managing insurance premiums is fostering a robust, competitive free market. Competition among insurance companies encourages innovation and efficiency, leading to better pricing and services for consumers. When insurers can properly underwrite and price for risk, they create a more balanced and fair market. This involves using advanced data analytics and modeling techniques to accurately assess the risk levels of different properties. By doing so, insurance companies can offer premiums that reflect the true risk, avoiding excessive charges for low risk homeowners, and ensuring high risk properties are adequately covered. Regulation also plays a crucial role in maintaining a healthy insurance market. Policyholders must strike a balance between consumer protection and allowing insurers the freedom and flexibility to adjust their pricing based on the risk. Overly stringent regulations can stifle competition and lead to market exits, reducing choices for consumers. We've seen this play out most recently in another state where there were artificial caps put in place on premium increases that worked well for consumers in the short term, but then one by one, all of the major insurers began announcing they would cease to write any new homeowners insurance in that state. These are all private companies, and if there's not the freedom and flexibility to price their products properly, they may have to take drastic steps as we've seen. Conversely, a well-regulated market encourages transparency and fairness, ensuring that homeowners have access to the most affordable and adequate coverage options. 1:02:00 Dr. EJ Antoni: I'm a public finance economist and the Richard F. Aster fellow at the Heritage Foundation, where I research fiscal and monetary policy with a particular focus on the Federal Reserve. I am also a senior fellow at the Committee to Unleash Prosperity. 1:02:15 Dr. EJ Antoni: Since January 2021, prices have risen a cumulative 19.3% on average in the American economy. Construction prices for single family homes have risen much faster, up 30.5% during the same time. 1:03:20 Dr. EJ Antoni: Actuarial tables used in underwriting to estimate risk and future losses, as well as calculate premiums, rely heavily on those input costs. When prices increase radically, precisely as has happened over the last several years, old actuarial tables are of significantly less use when pricing premiums because they will grossly understate the future cost to the insurer. The sharp increase in total claim costs since 2019 has resulted in billions of dollars of losses for both insurers and reinsurers prompting large premium increases to stop those losses. This has put significant financial stress on consumers who are already struggling with a cost of living crisis and are now faced with much higher insurance premiums, especially for homeowners insurance. 1:05:10 Dr. EJ Antoni: The increase in claims related to weather events has undoubtedly increased, but it is not due to the climate changing. This is why the insurance and reinsurance markets do not rely heavily on climate modeling when pricing premiums. Furthermore, climate models are inherently subjective, not merely in how the models are constructed, but also by way of the inputs that the modeler uses. In other words, because insufficient data exists to create a predictive model, a human being must make wide ranging assumptions and add those to the model in place of real world data. Thus, those models have no predictive value for insurers. 1:07:40 Sen. Sheldon Whitehoue (D-RI): You say that this combination of demographics, development, and disasters poses a significant risk to our financial system. What do you mean by risk to our financial system Rade Musulin: Well, Senator, if you look at the combination, as has been pointed out, of high growth and wealth accumulation in coastal areas, and you look at just what we've observed in the climate, much less what's predicted in the future, there is significant exposure along the coastline from Maine to Texas. In fact, my family's from New Jersey and there is enormous development on the coast of New Jersey. And if we start to get major hurricanes coming through those areas, the building codes are probably not up to the same standards they are in Florida. And we could be seeing some significant losses, as I believe was pointed out in the recent Federal Reserve study. Sen. Sheldon Whitehoue (D-RI): And how does that create risk to the financial system? Rade Musulin: Well, because it's sort of a set of dominoes, you start with potentially claims issues with the insurers being stressed and not able to pay claims. You have post-event rate increases as we've seen in Florida, you could have situations where people cannot secure insurance because they can't afford it, then that affects their mortgage security and so on and so forth. So there are a number of ways that this could affect the financial system, sir. Sen. Sheldon Whitehoue (D-RI): Cascading beyond the immediate insurer and becoming a national problem. Rade Musulin: Well, I would just note Senator, that in Florida, the real problems started years after we got past Andrew. We got past paying the claims on Andrew, and then the big problems occurred later when we tried to renew the policies. 1:10:50 Sen. Sheldon Whitehouse (D-RI): And you see in this, and I'm quoting you here, parallels in the 2008 financial crisis. What parallels do you see? Dr. Ishita Sen: So just like what happened during the financial crisis, there were rating agencies that gave out high ratings to pools of mortgages backed by subprime loans. Here we have a situation where rating agencies like Demotech are giving out inflated ratings to insurance companies. The end result is sort of the same. There is just too much risk and too many risky mortgages being originated, in this case backed by really low quality insurers that are then entering the financial system. And the consequences of that has to be born by, of course the homeowners, but also the mortgage owners, GSCs (Government Sponsored Enterprises), the lenders, and ultimately the federal and state governments. Sen. Sheldon Whitehouse (D-RI): You say, this will be my last question. The fragility of property insurers is an important channel through which climate risk might threaten the stability of mortgage markets and possibly the financial system. What do you mean when you refer to a risk to the financial system? Dr. Ishita Sen: Well, as I was explaining the GSEs, if there are large losses that the GSEs face, then those losses have to be plugged by somebody. So the taxpayers, that's one channel through which you've got risk to the financial system and the GSE's serve as a backstop in the mortgage market. They may not have the ability or capacity to do so in such a scenario, which affects mortgage backed security prices, which are held by all sorts of financial institutions. So that starts affecting all of these institutions. On the other hand, if you've got a bunch of insurers failing, another channel is these insurers are one of the largest investors in many asset classes like corporate bonds, equities, and so on. And they may have to dump these securities at inopportune times, and that affects the prices of these securities as well. 1:12:45 Sen. Chuck Grassley (R-AI): Dr. Antoni, is there any evidence to support the notion that climate change is the greatest threat to the insurance market? Dr. EJ Antoni: No. Senator, there is not. And part of that has to do again, with the fact that when we look at the models that are used to predict climate change, we simply don't have enough empirical data with which we can input into those models. And so as a result of that, we have to have human assumptions on what we think is going to happen based essentially on a guess. And as a result of that, these models really are not of any predictive value, and that's why these models for the last 50 years have been predicting catastrophic outcomes, none of which have come true. 1:14:45 Glen Mulready: This focus on the rating agencies, I would agree with that if that were the be all end all. But the state insurance commissioners in each 50 states is tasked with the financial solvency of the insurance companies. We do not depend on rating agencies for that. We are doing financial exams on them. We are doing financial analysis every quarter on each one of them. So I would agree if that was the sort of be all end all, forgive that phrase, but it's not at all. And we don't depend very much at all on those rating agencies from our standpoint. 1:22:15 Dr. Ishita Sen: On the point about regulators looking at -- rating agencies is not something that we need to look at. I would just point out that in Florida, if you look at the number of exams that the Demotech rated insurers, that by the way have a 20% insolvency rate relative to 0% for traditional insurers, they get examined at the same rate as the traditional insurers like Farmers and AllState get examined, which is not something that you would expect if you're more risky. You would expect regulators to come look at them much, much more frequently. And the risk-based capital requirements that we have currently, which were designed in the 1980s, they're just not sensitive enough to new risks like wildfire and hurricanes and so on. And also not as well designed for under-diversified insurance companies because if so, all of these insurers were meeting the risk-based capital requirements, however, at the same time going insolvent at the rate of 20%. So those two things don't really go hand in hand. 1:23:25 Dr. Ishita Sen: Ultimately what the solution is is something that is obviously the main question that we are here to answer, but I would say that it is extremely hard to really figure out what the solution is, in part because we are not in a position right now to even answer some basic facts about how big the problem is, what exactly the numbers look like. For instance, we do not know basic facts about how much coverage people have in different places, how much they're paying. And when I say we don't know, we don't know this at a granular enough level because the data does not exist. And the first step towards designing any policy would be for us to know exactly how bad the problem is. And then we come up with a solution for that and start to evaluate these different policy responses. Right now we are trying to make policy blindfolded. 1:23:50 Sen. Ron Johnson (R-WI): So we've had testimony before this committee that we've already spent $5-6 trillion. That's 5,000 to 6,000 billion dollars trying to mitigate climate change. We haven't made a dent in it. Their estimates, it's going to cost tens of trillions of dollars every year to reach net zero. So again, this is not the solution for a real problem, which is the broken insurance market. I have enough Wisconsin residents who live on the Gulf Coast in Florida to know after Hurricane Ian, you got some real problems in Florida. But fixing climate change isn't the solution. 1:33:15 Sen. Jeff Merkley (D-OR): In looking at the materials I saw that Citizens Property Insurance Company, I gather that's Louisiana and Florida, that have a completely state backed program. Well, alright, so if the state becomes the insurer of last resort and they now suffer the same losses that a regular private insurance company is suffering, now the folks in the state are carrying massive debt. So that doesn't seem like a great solution. Dr. Ishita Sen: That's definitely a problem, right? The problem is of course, that whether the state then has the fiscal capacity to actually withstand a big loss, like a big hurricane season, which is a concern that was raised about Citizens. And in such a scenario then in a world where they do not have enough tax revenue, then they would have to go into financial markets, try to borrow money, which could be very costly and so on. So fiscally it's going to be very challenging for many cities and many municipalities and counties and so on. 1:36:40 Sen. Mitt Romney (R-UT): I wish there were something we could do that would reduce the climate change we're seeing and the warming of the planet. But I've seen absolutely nothing proposed by anyone that reduces CO2 emissions, methane gases and the heating of the planet. Climate change is going to happen because of the development in China and Indonesia and Brazil, and the only thing that actually makes any measurable impact at all is putting a price on carbon, and no one seems to be willing to consider doing that. Everything else that's being talked about on the climate — Democratic Senator: I got two bills. Sen. Mitt Romney (R-UT): I know you and I are, but you guys had reconciliation. You could have done it all by yourselves and you didn't. So the idea that somehow we're going to fix climate and solve the insurance problem is pie in the sky. That's avoiding the reality that we can't fix climate because that's a global issue, not an American issue. Anyway, let me turn back to insurance. 1:38:30 Sen. Mitt Romney (R-UT): So the question is, what actions can we take? Fiscal reform? Yes, to try and deal with inflation. Except I want to note something, Mr. Antoni, because you're esteemed at the Heritage Foundation. 72% of federal spending is not part of the budget we vote on. So we talk about Biden wants to spend all this.... 72% we don't vote on; we only vote on 28%. Half of that is the military. We Republicans want more military spending, not less. So that means the other 14%, which the Democrats want to expand, there's no way we can reduce the 14% enough to have any impact on the massive deficits we're seeing. So there's going to have to be a broader analysis of what we have to do to reign in our fiscal challenges. I just want to underscore that. I would say a second thing we can do, besides fiscal reform and dealing with inflation, is stopping subsidizing high risk areas. Basically subsidizing people to build expensive places along the coast and in places that are at risk of wildfire. And we subsidize that and that creates huge financial risk to the system. And finally, mitigation of one kind or another. That's the other thing we can do is all sorts of mitigation: forestry management, having people move in places that are not high risk. But if you want to live in a big house on the coast, you're gonna have to spend a lot of money to insure it or take huge risk. That's just the reality. So those are the three I come up with. Stop the subsidy, mitigation, and fiscal reform. What else am I missing, Mr. Musulin? And I'm just going to go down the line for those that are sort of in this area to give me your perspectives. Rade Musulin: Well, thank you, Senator. And I'd agree with all those things. And I'd also add that we need to start thinking about future-proofing our building codes and land use policies. The sea levels are rising. If you're going to build a house that's supposed to last 75 years, you ought to be thinking about the climate in 75 years when you give somebody a permit to build there. So I'd say that's important. I'd also say that large disasters also drive inflation because it puts more pressure and demand on labor and materials. More disasters means supplies that could have been used to build new homes for Americans or diverted to rebuild homes in the past. So certainly doing things to reduce the vulnerability of properties and improve their resilience is important. And I do think, sir, that there are things we can do about climate change with respect over periods of decades that can make a difference in the long run. Thank you. Sen. Mitt Romney (R-UT): Thank you. Yes. Dr. Ishita Sen: So before that, the one point about inflation that we are missing, which is without doubt it is a contributing factor, but the US has had inflation in the past without such an acute crisis in insurance markets. So whether that is the biggest cause or not is up for debate. I don't think we have reached a conclusion on inflation being the biggest contributor of rising insurance cost. Sen. Mitt Romney (R-UT): It's just a big one. You'd agree It's a big one? Dr. Ishita Sen: I agree. It's a big one, but I wouldn't say it's the biggest one in terms of policy solutions. I completely agree with you on, we need to stop subsidizing building in high risk areas. That's definitely one of the things we need to do that. Mitigation, another point that you bring up. And on that, I would say not only do we need to harden our homes, but we also need to harden our financial institutions, our banks, and our insurance companies in order to make them withstand really large climate shocks that are for sure coming their way. Sen. Mitt Romney (R-UT): Thank You, Ms. Wood. I'm going to let you pass on this just because that's not your area of expertise. Your experience was something which focused our thinking today. Mr. Mulready. Glen Mulready: Thank you, Senator. I would say amen to your comments, but I'll give you three quick things. Number one, FEMA has a survey out that states that every $1 spent in mitigation saves $6 in lost claims. It pays off. Number two, unfortunately, a lot of communities have to have a disaster happen. In Moore, Oklahoma, back a dozen years ago, an EF5 (tornado) hit, it was just totally devastating. After that, the city of Moore changed their zoning, they changed their building zoning codes, and then third, the city of Tulsa, back in the eighties, had horrible flooding happened. So they invested over decades in infrastructure to prevent flooding. Now we're one of only two communities in the country that are Class one NFIP rated. 1:45:40 Sen. Chris Van Hollen (D-MD): One way to address this, and I think it was discussed in a different matter, is the need to get the data and to get consensus on where the risks lie, which is why last year Senator Whitehouse, Senator Warren and I sent a letter to the Treasury Department, to the Federal Insurance Office (FIO), urging them to collect information from different states. I'm a supporter of a state-based insurance system for property and casualty insurance, but I do think it would benefit all of us to have a sort of national yardstick against which we can measure what's happening. So Dr. Sen, could you talk a little bit about the benefit of having a common source of insurance data through the FIO and how that could benefit state regulators and benefit all of us? Dr. Ishita Sen: Yeah, absolutely. Thanks for bringing that up. That's just the first order importance, I think, because we don't even know the basic facts about this problem at a granular enough level. The risks here are local, and so we need to know what's going zip code-by-zip code, census tract-by-census tract, and for regulators to be able to figure out exactly how much risk is sitting with each of these insurance companies they need to know how much policies they're writing, what's the type of coverage they're selling in, what are the cancellations looking like in different zip codes. Only then can they figure out exactly how exposed these different insurers are, and then they can start designing policy about whether the risk-based capital ratios look alright or not, or should we put a surcharge on wildfires or hurricanes and so on? And we do need a comprehensive picture. We just can't have a particular state regulator look at the risks in that state, because of course, the insurer is selling insurance all over the country and we need to get a comprehensive picture of all of that. 1:47:40 Sen. Chris Van Hollen: I appreciate that. I gather that the Treasury Department is getting some resistance from some state insurance regulators. I hope we can overcome that because I'm not sure why anyone would want to deny the American people the benefit of the facts here. 1:48:45 Rade Musulin: I will just note that sometimes climate change itself can contribute to the inflation we've been talking about. For example, there were beetle infestations and droughts and fires in Canada, which decimated some of the lumber crop and led to a fivefold increase in the cost of lumber a few years ago. So some of this claims inflation is actually related to climate change, and I think we need to address that. 1:49:35 Glen Mulready: If you didn't know, the NAIC, National Association of Insurance Commission is in the midst of a data collection right now that will collect that data for at least 80% of the homeowner's market. And we have an agreement with FIO (Federal Insurance Office) to be sharing that data with them. They originally came to us, I got a letter from FIO and they were requesting data that we did not actually collect at the zip code level, and they had a very stringent timeline for that. So my response, it wasn't, no, it was just, look, we can't meet that timeline. We don't collect that today. We can in the future. But from that is where this has grown the data called by the NEIC. Sen. Chris Van Hollen (D-MD): So I appreciate, I saw that there had been now this effort on behalf of the....So has this now been worked out? Are there any states that are objecting, to your knowledge at this point in time, in terms of sharing data? Glen Mulready: I don't know about specific states. We will be collecting data that will represent at least 80% of the market share. Music by Editing Production Assistance

Dan McGrath joined us in studio to help us understand the problems with election integrity. Johnny Heidt with guitar news.Heard On The Show:Election Integrity Watch WebsiteMinnesota's latest budget forecast shows surplus of $3.7 billion, deficit still projectedSt. Paul City Council passes $45.1M for street, parks and recreation center projects funded by new sales taxPutin warns West against sending troops to Ukraine in major speech Learn more about your ad choices. Visit podcastchoices.com/adchoicesSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Dan McGrath joined us in studio to help us understand the problems with election integrity. Johnny Heidt with guitar news. Heard On The Show: Election Integrity Watch Website Minnesota's latest budget forecast shows surplus of $3.7 billion, deficit still projected St. Paul City Council passes $45.1M for street, parks and recreation center projects funded by new sales tax Putin warns West against sending troops to Ukraine in major speech Learn more about your ad choices. Visit megaphone.fm/adchoices

Did you know that your income in retirement could trigger surcharges on your Medicare premiums? In my recent podcast with experts Dan McGrath and Mark Annese, we explored the concept of IRMAA and its profound impact on retirement planning. IRMAA, or Income Related Monthly Adjustment Amount, is not just a set of letters but a crucial factor that could reshape your golden years. Understanding this can make the difference between a retirement filled with financial stability or unexpected surprises. "If you look at the numbers, millions and millions of people are getting surcharged... how many of those 8 million could we have avoided by doing a little better planning because people knew about this?" - Mark Annese  What you will learn: Importance of IRMAA Planning for Younger Individuals Impact of Business Exit and House Sale on IRMAA Inflation Impact on Medicare Premiums Projected Increase in IRMAA Recipients Learn more about Mark Anneseby visiting the following links: Health Care Retirement Planner Learn more about Adam Olson by visiting the following links: Facebook Personal Website Business Website -- Investing involves risk, including loss of principal.    Be sure to understand the benefits and limitations of your available options and consider all factors prior to making any financial decisions.  Any strategies discussed may not be suitable for everyone.  Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC.  Adam Olson, Representative.  Mutual of Omaha Investor Services is not affiliated with any entity listed herein.  This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services and its representatives do not offer legal or tax advice. The information presented is subject to change without notice and is not intended as an offer or solicitation with respect to the purchase or sale of any security or insurance product. Mutual of Omaha Investor Services and its various affiliates do not endorse or adopt comments posted by third parties.  Comments posted by third parties are their own and may not be representative or indicative of other's opinions, views, and experiences.

The IRMAA, or Medicare income-related monthly adjustment amount, is a bit of a missed opportunity for many financial advisors. We've got special guests Dan McGrath and Paul Morrison with us today to talk about what you may be overlooking about IRMAA planning. For those of you who are new to my blog, my name is … What everyone is missing about IRMAA planning [dramatic reveal] Read More » The post What everyone is missing about IRMAA planning [dramatic reveal] appeared first on Sara Grillo.

Crain's contributor Dan McGrath talks with host Amy Guth about the future of the Bears and White Sox. Plus: Gov. Pritzker and Mayor Johnson ask feds to fast-track work authorizations for people seeking asylum, AbbVie drug among those Biden targets for Medicare price cuts, Zebra Technologies to slash 700 jobs, an investor sues Wirtz company over short-form merger and Danny Wirtz assumes his late father's co-chairmanship of Breakthru Beverage.

Episode 293This episode is brought to you by The butcher Shoppe…Home of the NEVER crossbred 100% Australian Wylarah 9+ Wagyu brisket, wagyu beef (American and Japanese), dry aged steaks, wild game and MUCH more!! Call to order today: (850) 458-8782 and ask for Kevin!  Mention The BBQ Central Show for 10% off your entire order!!___________________________________________Taking you back to 8/7/2012 - Competition Chicken Round Table: Bob Roberts from 2 Old Men and a Grill, Dennis Keck from 4 Smokin' Butts (also a Jeweler??) Dan McGrath (3 Eyz BBQ??)...One of the things I noticed in this segment is that back in 2012…the “cabinet style” smokers were very popular. Every panel member was using some style of cabinet cooker in this interview and there were additional brands mentioned as well…that has certainly changed over the last 11 years…some of the names mentioned are no longer in business but they were pretty significant brands back in the day…(Spicewine and Rebel). Stumps smokers is still in business and so is Backwoods…I wanted a Stumps AND a Backwoods in the worst way back in that timeframe but never pulled the trigger…but some many of the top teams were using these style cookers because teams were winning with them…maybe someday I'll get a Stumps…we'll see. Ready to make a “BEST OF” show all your own?? Email Jon Solberg and let him know what you would like to hear on a future episode! As always, thank you for listening!*Don't forget to RATE AND REVIEW THE SHOW ON YOU PODCAST APP*Want to hear more from this episode??? Click the link below to hear the full showOriginal Air Date: 8/7/2012Original Full Show Link:  CLICK HERE

Pixar's Elemental is a story about finding your way in the tribal Element City and through an unlikely pair reminds us how much more we have in common with each other than we may realize. In this live taping at CinemaCon, the annual gathering of Hollywood and movie theater owners, Elemental's Director Peter Sohn joins guests Dan McGrath of Cineplex and Paul Dergarabedian of Comscore to ponder with Wim and Jim the upcoming slate of films, technological advances and the state of the industry for the year ahead. You'll be surprised to know what they have in common, and perhaps not surprised that one shared passion worldwide is going to the movies.

I kick off 2023 with my first episode of the year talking with Medicare/IRMAA specialist Dan McGrath.  Dan is the co-founder of IRMAA solutions, a technology and training company focused on helping financial professionals provide better Medicare advice and data to their clients.  In this eye-opening episode, Dan teaches us the basics of IRMAA… The Income-Related Monthly Adjustment Amount (IRMAA) is a surcharge or premium you may pay in addition to your Part B or Part D premium if your income is above a certain level. The Social Security Administration (SSA) sets four income brackets that determine your (or you and your spouse's) IRMAA. IRMAA costs can surprise many retirees, uninformed of its impact on a retirement budget. And because it's based on retirement income, tax-deferred income sources can greatly (and unexpectedly) impact a retiree's budget for healthcare costs. Dan also shares his insights on why everyone should STOP contributing to tax-deferred accounts such as 401(k)s and opt for tax-free retirement income sources instead.  We talk annuities, life insurance, and reverse mortgage too. A lot of ground in just an hour or so episode. We close the episode with Dan telling us why he believes “the financial services industry hates women.” It's an interesting case study he uses to illustrate his perspective. Grab a pen and paper, as you'll want to take notes on this episode, or plan to listen to it multiple times. Controversial topics that definitely get you thinking (outside the box).    

*Dan McGrath, Crain's contributor and Former Tribune Sports Editor, asks what Kevin Warren could do for the Bears if he took over for Ted Phillips.  *Fox News Chief Washington Correspondent, Mike Emanuel, joins the show to review the biggest political stories of the week. *Eric Felton from Real Clear Politics has the latest on the battle for Speaker of the House.  *Plus, John and the team introduce a new segment, the Wheel of Warm and Fuzzy.See omnystudio.com/listener for privacy information.

*Dan McGrath, Crain's contributor and Former Tribune Sports Editor, asks what Kevin Warren could do for the Bears if he took over for Ted Phillips.  *Fox News Chief Washington Correspondent, Mike Emanuel, joins the show to review the biggest political stories of the week. *Eric Felton from Real Clear Politics has the latest on the battle for Speaker of the House.  *Plus, John and the team introduce a new segment, the Wheel of Warm and Fuzzy.See omnystudio.com/listener for privacy information.

Dan McGrath, who writes the Business of Sports column for Crain's, talks with host Amy Guth about his take on the Bears this season and what a potential move to Arlington Heights could mean both on the field and for Chicago as a sports town. Plus: Your ComEd bill's going up even more; Caterpillar's 15-year tax saga ends with a $740 million IRS settlement; officials warn of a COVID surge and encourage booster shots; and Raoul, other AGs and lawmakers, scrutinize Kroger-Albertsons deal.

Hello! Why is it that women live longer, but spend more of their lives in poor health? We explore why women's pain is often dismissed and why it can take many years to receive a diagnosis with Dr Larisa Corda. We then delve deep into the history of medical misogyny with Dr Elinor Cleghorn and finally we find some reasons to be cheerful with the creator of podcast series 28-ish days later, India Rakusen.Plus: We're joined by TV royalty! Maracas at the ready- Dan McGrath, composer of the Strictly Come Dancing theme music, joins us to talk about how you can create a winning theme for the RTBC refresh.Submit your contributions here: reasons@cheerfulpodcast.comGuestsDr Larisa Corda, obstetrician and gynaecologist, fertility expert on This Morning and women's health activist (@drlarisacorda)Dr Elinor Cleghorn, feminist cultural historian and author of Unwell Women: A journey through medicine and myth in a man-made world (@elinorcleghorn)India Rakusen, journalist, documentary producer and presenter (@IndiaRakusen)Dan McGrath, music producer (@danthesoundman)More infoListen to our episode on health inequalities with Professor Sir Michael MarmotRead the Women's Health StrategyOrder Elinor's book Unwell WomenListen to India's podcast 28-ish days later on BBC SoundsVisit Endometriosis UK for support. Their helpline can be reached on 0808 808 2227 Hosted on Acast. See acast.com/privacy for more information.

John Howell speaks with Dan McGrath, Crain's Chicago contributor covering the business of sports and President of Leo High School. They discuss Ted Phillips' exit from the Bears, the Bears' exit from Chicago, and what happens next at Soldier Field. See omnystudio.com/listener for privacy information.

John Howell speaks with Dan McGrath, Crain's Chicago contributor covering the business of sports and President of Leo High School. They discuss Ted Phillips' exit from the Bears, the Bears' exit from Chicago, and what happens next at Soldier Field. See omnystudio.com/listener for privacy information.

Crain's contributor Dan McGrath believes White Sox commentator Jason Benetti should move to radio. He explains on the Steve Cochran Show why and shares the reasons Len Kasper moved from the Cubs to the White Sox.  See omnystudio.com/listener for privacy information.

Dan McGrath, author of 'The Adventures of Dan and Tina' shares with us the most important things he learned from his relationship with a Narcissistic abuser, how he got out, and what to do if you are remaining in such a relationship. His book and blog are great resources for anyone in such a relationship.Get the book HEREHis blog HERE 

Hosts: Fr. Greg Sakowicz and Mark Teresi. The Chicago Bears have granted $200,000 to Leo High School for a new athletic field. Guests: Marge Hamm; Lauren Lewis; Dan McGrath.

Recorded on Wednesday 19th January 2022. A new episode of Football Forum, hosted by Joseph Hadfield, Josh Chapman and Connor Thorpe, featuring guest Dan McGrath. The boys review Sheff Wed v Plymouth, Wolves v Sheff Utd, Derby v Sheff Utd and Preston v Sheff Utd. They also preview Oxford Utd v Sheff Wed and Sheff Utd v Luton, plus there's another round of Unpredictable, the quiz question, Josh having a go at introducing the show and another lengthy local round-up.

#008 - Welcome back to Open Doors at St Lawrence College, the podcast that sheds light on all facets of life within and surrounding UK independent boarding schools by connecting with staff, pupils and parents of St Lawrence College, an independent, co-educational, boarding & day school situated in South-East England. Each week we'll be interviewing people within the community, asking questions and spending time to understand more. In this episode, we're talking about the importance of green landscapes and wildlife on a school campus, with Dan Mcgrath. This means we're going to find out what it's really like protect, cherish and develop wildlife and nature at the school - and what it really means to be custodians of our flora and fauna for the future. So come with me now as we step into this unique and refreshing conversation and perspective with Dan about Lanscape and wildlife protection at a UK independent boarding school. St Lawrence College online Website: www.slcuk.com Twitter: @slcMain Facebook: facebook.com/slcukofficial YouTube: St Lawrence College 

Dan's Wedding… The Ginger Grand Prix… The 4DJ Song. What are the real stories behind some of those famous moments from the show? Hosted by John Revell, Holly Samos & Dan McGrath. Produced by Nik Goodman #BreakingBreakfast

So how did it all begin? When did the team first meet? And what were those essential ingredients needed to start the brand-new Radio 1 Breakfast Show? Hosted by John Revell, Holly Samos & Dan McGrath. Produced by Nik Goodman #BreakingBreakfast

Tina Ritchie read the news on the show for many years and recalls her memories of it all, whilst the end is in sight for the whole team as cracks start to show. Hosted by John Revell, Holly Samos & Dan McGrath. Featuring Tina Ritchie. Produced by Nik Goodman #BreakingBreakfast

The team are assembled, and show hits the airwaves for the very first time, but it doesn't always play by the rules! Hosted by John Revell, Holly Samos & Dan McGrath. Produced by Nik Goodman #BreakingBreakfast

Join our discord server: https://discord.gg/22xqS2zu8U Gloomwood has been on the minds of New Blood fans for quite some time now. With the demo still being played to this day and the overwhelmingly positive reaction to an extra reveal at E3, as a fan of Gloomwood, Odhrán had to sit down with the game's creator Dillon Rogers! They talked about everything from the response to Gloomwood, what it's like working with New Blood and the slightly comical controversy surrounding the folding pump-action shotgun! Indie developers make up the heart of the gaming industry and I've always loved exploring indie titles whether they've been created over the course of a few years or just a few hours. They have an intrinsic ability to push our perception of what can and can't be a game and I've always loved the dedication shown by developers when it comes to creating these projects. In this episode of Indie Insight, I sat down with Irish indie developer Dan McGrath to talk all things games, Dread X and what he's working on! Follow us: Twitter: https://twitter.com/GamingSandbox_ Facebook: https://www.facebook.com/GamingSandbox Instagram: https://www.instagram.com/gamingsandbox_/ LinkedIn: https://www.linkedin.com/company/gaming-sandbox/?viewAsMember=true

Recorded live on Thursday 13th May 2021. A new episode of SHU Football Forum, hosted by Joseph Hadfield, Josh Chapman and Connor Thorpe. The boys review Derby v Sheff Wed and Sheff Wed's relegation to League 1, featuring Dan McGrath to give the Derby viewpoint, as well as Sheff Utd v Crystal Palace. They also look at the Championship play-offs, with special guest Lewis Robinson discussing Barnsley's chances against Swansea, the League 1 play-offs, with special guest Andy Gordon giving his thoughts on Sunderland against Lincoln, and the League 2 play-offs. Plus there's a shorter round of 'Unpredictable', a vital local round-up and the pub quiz.

Simply put, Dan McGrath is a huge Depeche Mode fan, I mean his initials are DM. The Creative Director of No Sheet Music and soon to be member of the duo cover band "Master and Servant", that plays only music by duos, steps into our virtual studios. We discuss songs 20 to 11 based off radio station KROQ in Los Angeles' year end chart from 1984. We let Dan chose this ten song chunk because it not only contains two Depeche Mode songs, but also the song the What Difference Does It Make podcast team thinks should have been the number one song for that year.Get three months of Amazon Music for free getamazonmusic.com/wddimpodcastWe are a proud member of Pantheon Podcasts.

Simply put, Dan McGrath is a huge Depeche Mode fan, I mean his initials are DM. The Creative Director of No Sheet Music and soon to be member of the duo cover band "Master and Servant", that plays only music by duos, steps into our virtual studios. We discuss songs 20 to 11 based off radio station KROQ in Los Angeles' year end chart from 1984. We let Dan chose this ten song chunk because it not only contains two Depeche Mode songs, but also the song the What Difference Does It Make podcast team thinks should have been the number one song for that year. Get three months of Amazon Music for free getamazonmusic.com/wddimpodcast We are a proud member of Pantheon Podcasts.

Episode 137 What's On Tap: Taking you back to August 7, 2012 –  Competition BBQ Round Table…CHICKEN VERSION.  Bob Roberts (2 Old Men and a Grill), Dennis Keck of 4 Smokin Butts and Dan McGrath (3 Eyz-BBQ).  It was the first I had heard…

Episode 137 What's On Tap: Taking you back to August 7, 2012 -  Competition BBQ Round Table...CHICKEN VERSION.  Bob Roberts (2 Old Men and a Grill), Dennis Keck of 4 Smokin Butts and Dan McGrath (3 Eyz-BBQ).  It was the first I had heard of something called “SMART CHICKEN”...which, over the years, became the standard chicken for many years.  Also, let me remind you, if there is a segment or a guest that you have a special feeling towards, email Jon a request and he will do his best to meet your expectation! MAKE SURE TO SUBSCRIBE TO THE PODCAST!! Don't forget to RATE AND REVIEW THE SHOW ON YOU PODCAST APP!!! Want to hear more from this episode??? Click the link below to hear the full show Original Air Date: 8/7/2012  Original Full Show Link:  CLICK HERE This episode is brought to you by The butcher Shoppe…HOME of the A-9 brisket, wagyu beef (American and Japanese), dry aged steaks, wild game and MUCH more!! Call to order today: (850) 458-8782 and ask for Kevin or Jordan! Mention The BBQ Central Show for 10% off your entire order!!

Episode 137 What’s On Tap: Taking you back to August 7, 2012 -  Competition BBQ Round Table...CHICKEN VERSION.  Bob Roberts (2 Old Men and a Grill), Dennis Keck of 4 Smokin Butts and Dan McGrath (3 Eyz-BBQ).  It was the first I had heard of something called “SMART CHICKEN”...which, over the years, became the standard chicken for many years.  Also, let me remind you, if there is a segment or a guest that you have a special feeling towards, email Jon a request and he will do his best to meet your expectation!  MAKE SURE TO SUBSCRIBE TO THE PODCAST!! Don’t forget to RATE AND REVIEW THE SHOW ON YOU PODCAST APP!!! Want to hear more from this episode??? Click the link below to hear the full show Original Air Date: 8/7/2012  Original Full Show Link:  CLICK HERE This episode is brought to you by The butcher Shoppe…HOME of the A-9 brisket, wagyu beef (American and Japanese), dry aged steaks, wild game and MUCH more!!  Call to order today: (850) 458-8782 and ask for Kevin or Jordan!  Mention The BBQ Central Show for 10% off your entire order!!

A tribute to local photographer Dan McGrath, Waterford in Your Pocket on retail survey, advice on what wine to get this Christmas, and all things Sport with Gavin Whelan

Medicare open enrollment ends December 7, 2019. Patti discusses the pros and cons of each Medicare Plan option with Dan McGrath – one of the nation's leading experts regarding health- related costs and Medicare. They discuss which plans are the best and which to avoid, but most importantly, the best time to enroll for the best cost savings. This episode is the first of a 3-part series that offers critical information not to be missed!

With just two weeks left in Medicare Open Enrollment, Patti continues her discussion with the nation's leading expert on Medicare and health related costs, Dan McGrath. Together they strategize the best options given a subscriber's age and income. Real tax optimization and cost saving solutions are offered that can be implemented now before it's too late! This is the 2nd episode in a 3-part series in which Patti delves into the confusing nuances of the Medicare Program to provide clarity and timely solutions.

Holly and Dave continue their lively talk with Dan McGrath, composer of The Strictly Come Dancing series in the UK and self-proclaimed 80s music nerd. Dan talks about how he was fortunate enough to witness an early performance of Depeche Mode at his school, we learn when it's the best time to interview Trevor Horn, we allow Dan to nerd up a little bit about his love of Roland and Moog Source Keyboards and we also learn a few new British phrases. Dan was not only kind enough to share his time with us but he created his own What Difference Does It Make Spotify playlist. https://spoti.fi/2OxUwxn --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/wddim/message

The week we talk to Dan McGrath, composer of The Strictly Come Dancing series in the UK and self-proclaimed 80s music nerd. Dan talks about his love of Depeche Mode, Gary Numan and Yazoo and shares a few encounters he's had with Annie Lennox and his ultimate favorite, David Bowie. You can listen to a few of Dan's favorite songs on our What Difference Does It Make Podcast playlist. https://spoti.fi/2OxUwxn --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/wddim/message

For the parents out there that think they are alone, that there is no hope for their kids or are just out of ideas- this is the episode for you. I sit down with Dan Mcgrath who is a Teacher at a Private Special Education school. He shares his stories, insight and knowledge on the … Continue reading #26 Autism, ADD/Adhd and kids who say Fuck. →

Walter, aka the Devil's Advocate, is joined in studio by Zavier Bicott and Raj Sethuraju, co-chair of the NCAAP committee on criminal justice reform to have a conversation on just that. Warrant Resolution Day, what is it and how did it become a thing? Helping those who need it the most getting out a cycle of crime and poverty. And an old friend from the Minnesota Voter's Alliance, Dan McGrath, drops in to talk about election integrity and the Secretary of State, who is described as a 'serial violator of the law.'

Google Developer Advocate Jen Person talks with Mark Mandel and Mark Mirchandani today about developments in Firebase. Firebase is a suite of products that helps developers build apps. According to Jen, it’s equivalent to the client-side of Google Cloud. Firebase works across platforms, including Android, web, iOS and offers many growth features, setting it apart from other Google products. It helps site and app owners interact with and reach customers with services like notifications, remote configurations to optimize the app, testing, and more. Cloud Firestore has come out of beta, and it is available both through Firebase and Google Cloud Platform, making it easy for developers to move from one to the other if their needs change. Recently, the Firebase team has been working to refine their products based on user feedback. Firebase Authentication has been upgraded with the additions of phone authentication, email link authentication, and multiple email actions. They’ve also added a generic authentication option so developers can use any provider they choose. ML Kit makes machine learning much easier for client apps or on the server. With on-device ML features, users can continue using the app without internet service. Things like face recognition can still be done quickly without a wifi connection. ML Kit is adding new features all the time, including smart reply and translation, image labeling , facial feature detection, etc. Cloud Functions for Firebase is also out of beta. It includes new features like a crash-litics trigger that can notify you if your site or app crashes and scheduled functions. An emulator is new as well, so you can test without touching your live code. Jen Person Jen is a Developer Advocate at Google. She worked with Firebase for 2.5 years prior to recently joining Google Cloud. She loves building iOS apps with Swift and planning the ideal data structures for various apps using Cloud Firestore. Jen is currently co-starring with JavaScript in a buddy cop comedy where the two don’t see eye to eye but are forced to work together, eventually forming a strong loving bond through a series of hilarious misadventures. Cool things of the week Uploading images directly to Cloud Storage using Signed URL blog Build your own event-sourced system using Cloud Spanner blog Cloud Shell on the Cloud Console app site Google Cloud networking in depth: Cloud Load Balancing deconstructed blog Interview Firebase site Firestore site Cloud Storage site Firebase Authentication site ML Kit site TensorFlow Lite site Cloud Functions for Firebase site Cloud Functions Samples site I/O 2019 Talk: Zero to App video Guide - Cloud Firestore collection group queries docs Guide - Scheduled Cloud Functions docs YouTube - #AskFirebase Playlist videos Codelab - Recognize text, facial features, and objects in images with ML Kit for Firebase: iOS site Codelab - Train and deploy on-device image classification model with AutoML Vision in ML Kit site Codelab - Recognize text, facial features, and objects in images with ML Kit for Firebase: Android site Codelab - Identify objects in images using custom machine learning models with ML Kit for Firebase site Codelab - Detect objects in images with ML Kit for Firebase: Android site Previous episodes on Firebase: GCP Podcast Episode 13: Firebase with Sara Robinson and Vikrum Nijjar podcast GCP Podcast Episode 29: The New Firebase with Abe Haskins and Doug Stevenson podcast GCP Podcast Episode 78: Firebase at I/O 2017 with James Tamplin and Andrew Lee podcast GCP Podcast Episode 97: Cloud Firestore with Dan McGrath and Alex Dufetel podcast GCP Podcast Episode 99: Cloud Functions and Firebase Hosting with David East podcast Question of the week How do I save money on my GCP resources? Where can you find us next? Mark Man will be at Tokyo Next! Watch him live code on Twitch. Mark Mirch is going on vacation!

Walter, aka the Devil’s Advocate, is joined in studio by Zavier Bicott and Raj Sethuraju, co-chair of the NCAAP committee on criminal justice reform to have a conversation on just that. Warrant Resolution Day, what is it and how did it become a thing? Helping those who need it the most getting out a cycle of crime and poverty. And an old friend from the Minnesota Voter’s Alliance, Dan McGrath, drops in to talk about election integrity and the Secretary of State, who is described as a 'serial violator of the law.'

Dungarvan, Co Waterford, Ireland, will host the 2019 International McGrath Clan Gathering next June. This 5-day festival of heritage, culture and history, will attract members of this great Irish clan from around the world to Dungarvan

Dungarvan, Co Waterford, Ireland, will host the 2019 International McGrath Clan Gathering next June. This 5-day festival of heritage, culture and history, will attract members of this great Irish clan from around the world to Dungarvan

Warning: Contains a high amount of profanity, possibly offensive jokes, adult situations, etc.We talk about our restaurant experiences including Ben’s hatred of Alanis Morissette and Ashley seeing a health code violation. If you don’t make crab cakes Maryland style, it’s not a crab cake. Ask us for recipes.Of course, we have to watch a lesbian kiss scene from Neve Campbell.Please support us on Patreon!: https://www.patreon.com/werenotafraidofthedark/Intro theme by glassdevaney: https://soundcloud.com/glassdevaney/are-you-afraid-of-the-darkOutro song by ZakBabyTV: AYAOTD Music Video: https://www.youtube.com/watch?v=SOzuKa6HurUhttps://www.instagram.com/werenotafraidofthedark/https://www.facebook.com/werenotafraidofthedark/werenotafraidofthedark@gmail.comIf you would like a sticker, send us an email or message us on social media!Episode edited by Adam at Modulation Studios.“The Tale of the Dangerous Soup” Are You Afraid of the Dark? Directed by D.J. MacHale. Written by Chloe Brown. Season three, episode thirteen. Episode aired April 16, 1994. https://www.imdb.com/title/tt0514409/"Hamburger Buns Found Stored next to Toilet at Checkers Restaurant in Cleveland." Home - WRCBtv.com. Accessed July 21, 2018. http://www.wrcbtv.com/story/31811929/hamburger-buns-found-stored-next-to-toilet-at-checkers-restaurant-in-cleveland.Burton, Tim, dir. Sweeney Todd: The Demon Barber of Fleet Street (2007). DreamWorks, Warner Bros., Parkes+MacDonald Image Nation. https://www.imdb.com/title/tt0408236/Cherry III, John R, dir. Ernest Scared Stupid (1991). Touchstone Pictures, Touchwood Pacific Partners 1. https://www.imdb.com/title/tt0101821/Craven, Wes, dir. Scream (1996). Dimension Films, Woods Entertainment. https://www.imdb.com/title/tt0117571/Gillespie, Jim, dir. I Know What You Did Last Summer (1997). Mandalay Entertainment, Summer Knowledge LLC. https://www.imdb.com/title/tt0119345/Keyser, Christopher, & Lippman, Amy, creators. Party of Five (1994-2000). Television series. Columbia Pictures Television, High Productions, Keyser/Lippman Productions. https://www.imdb.com/title/tt0108894/Lucas, George, dir. Star Wars: Episode IV - A New Hope (1977). Lucasfilm, Twentieth Century Fox. https://www.imdb.com/title/tt0076759/Martin, Ann M. The Baby-Sitters Club book series. Published by Scholastic. https://en.wikipedia.org/wiki/The_Baby-Sitters_ClubMorissette, Alanis. Jagged Little Pill. 1995. Music album. Los Angeles, California. Burbank, CA: Maverick.Schwartz, Josh, creator. The O.C. (2003-2007). Wonderland Sound and Vision, Warner Bros. Television, College Hill Pictures Inc. https://www.imdb.com/title/tt0362359/Spierig, Michael & Peter. Jigsaw (2017). Serendipity Productions, Twisted Pictures, A Bigger Boat. https://www.imdb.com/title/tt3348730/The Simpsons, episode, “Treehouse of Horror V,” directed by Jim Reardon, written by Greg Daniels, Dan McGrath, David X. Cohen, and Bob Kushell, aired October 30, 1994, on FOX, https://www.imdb.com/title/tt0701281/Tarantino, Quentin, dir. Pulp Fiction (1994). Miramax, A Band Apart, Jersey Films. https://www.imdb.com/title/tt0110912/

Warning: Contains a high amount of profanity, possibly offensive jokes, adult situations, etc.We talk about our restaurant experiences including Ben’s hatred of Alanis Morissette and Ashley seeing a health code violation. If you don’t make crab cakes Maryland style, it’s not a crab cake. Ask us for recipes.Of course, we have to watch a lesbian kiss scene from Neve Campbell.Please support us on Patreon!: https://www.patreon.com/werenotafraidofthedark/Intro theme by glassdevaney: https://soundcloud.com/glassdevaney/are-you-afraid-of-the-darkOutro song by ZakBabyTV: AYAOTD Music Video: https://www.youtube.com/watch?v=SOzuKa6HurUhttps://www.instagram.com/werenotafraidofthedark/https://www.facebook.com/werenotafraidofthedark/werenotafraidofthedark@gmail.comIf you would like a sticker, send us an email or message us on social media!Episode edited by Adam at Modulation Studios.“The Tale of the Dangerous Soup” Are You Afraid of the Dark? Directed by D.J. MacHale. Written by Chloe Brown. Season three, episode thirteen. Episode aired April 16, 1994. https://www.imdb.com/title/tt0514409/"Hamburger Buns Found Stored next to Toilet at Checkers Restaurant in Cleveland." Home - WRCBtv.com. Accessed July 21, 2018. http://www.wrcbtv.com/story/31811929/hamburger-buns-found-stored-next-to-toilet-at-checkers-restaurant-in-cleveland.Burton, Tim, dir. Sweeney Todd: The Demon Barber of Fleet Street (2007). DreamWorks, Warner Bros., Parkes+MacDonald Image Nation. https://www.imdb.com/title/tt0408236/Cherry III, John R, dir. Ernest Scared Stupid (1991). Touchstone Pictures, Touchwood Pacific Partners 1. https://www.imdb.com/title/tt0101821/Craven, Wes, dir. Scream (1996). Dimension Films, Woods Entertainment. https://www.imdb.com/title/tt0117571/Gillespie, Jim, dir. I Know What You Did Last Summer (1997). Mandalay Entertainment, Summer Knowledge LLC. https://www.imdb.com/title/tt0119345/Keyser, Christopher, & Lippman, Amy, creators. Party of Five (1994-2000). Television series. Columbia Pictures Television, High Productions, Keyser/Lippman Productions. https://www.imdb.com/title/tt0108894/Lucas, George, dir. Star Wars: Episode IV - A New Hope (1977). Lucasfilm, Twentieth Century Fox. https://www.imdb.com/title/tt0076759/Martin, Ann M. The Baby-Sitters Club book series. Published by Scholastic. https://en.wikipedia.org/wiki/The_Baby-Sitters_ClubMorissette, Alanis. Jagged Little Pill. 1995. Music album. Los Angeles, California. Burbank, CA: Maverick.Schwartz, Josh, creator. The O.C. (2003-2007). Wonderland Sound and Vision, Warner Bros. Television, College Hill Pictures Inc. https://www.imdb.com/title/tt0362359/Spierig, Michael & Peter. Jigsaw (2017). Serendipity Productions, Twisted Pictures, A Bigger Boat. https://www.imdb.com/title/tt3348730/The Simpsons, episode, “Treehouse of Horror V,” directed by Jim Reardon, written by Greg Daniels, Dan McGrath, David X. Cohen, and Bob Kushell, aired October 30, 1994, on FOX, https://www.imdb.com/title/tt0701281/Tarantino, Quentin, dir. Pulp Fiction (1994). Miramax, A Band Apart, Jersey Films. https://www.imdb.com/title/tt0110912/

So in this episode, I have Dan McGrath dropped by. We discuss on joke writing, the kind of jokes that we write. Dan talked about being a new dad and the observations and fears that he had being a new dad and a school teacher. We talked about how comics talked about minutes that we have on stage. Not Again Podcast Facebook Page: https://www.facebook.com/notagainpodcast/ Not Again Podcast website: https://www.notagainpodcast.com Not Again Podcast iTunes Page: https://itunes.apple.com/sg/podcast/not-again-podcast/id1243363815?mt=2 Not Again Podcast Spotify page: https://open.spotify.com/show/2BqPbSFxoZn59pT8XM7Lbo?si=phHDtLakT8aelgPIIL8wsg Not Again Podcast Stitcher Page: https://www.stitcher.com/podcast/not-again-podcast Not Again Podcast Patreon Page: https://www.patreon.com/notagainpodcast

Dan McGrath from the MN Voter's Alliance joins to discuss the significance of the Supreme Court's ruling on voter rights.

Our latest podcast is here. The topic this time is modern app development, innovation at Google and how Cloud Firestore fits into this story. Do you want to take app development to a new level? In this podcast Filip Van Laenen, Cecilie Haugstvedt, Rustam Mehmandarov, Jørn Are Hatlelid and our guest from Google, Dan McGrath, will give a brief overview of Cloud Firestore and Firebase, as well as other highlights and general innovation at Google.

Sue is joined by Dan McGrath and Wen Fa to discuss their Supreme Court case.

Sue is joined by Dan McGrath and Wen Fa to discuss their Supreme Court case.

Dan McGrath and Alex Dufetel join Francesc and Mark in the studio this week to discuss Cloud Firestore, the brand new, fully-managed NoSQL document database for mobile and web app development. About Dan McGrath Dan McGrath is the Product Manager for Cloud working on databases such as Cloud Firestore. Dan has spent the last decade working in product & engineering for large scale database systems. He has a background in banking software, databases, and information security. About Alex Dufetel Alex Dufetel is a Product Manager for the Firebase team at Google, working on Backend-as-Service products such as the Realtime Database and Cloud Firestore. Alex was previously Director of Products at Fuze, a video conferencing and enterprise communications provider and, before that, a co-founder of LiveMinutes, a real-time team collaboration app. Cool things of the week Extending per second billing in Google Cloud blog PHP 7.1 for Google App Engine is generally available blog Java 8 on App Engine standard environment is now generally available blog migration Kubernetes 1.8: Security, Workloads and Feature Depth blog Google Container Engine - Kubernetes 1.8 takes advantage of the cloud built for containers blog Announcing Cloud IoT Core public beta blog Interview Cloud Firestore announcement site docs Cloud Firestore server sdks docs Extend Cloud Firestore with Cloud Functions docs Cloud Firestore for Realtime Database Developers blog Firestore Discuss google-group Firestore Realtime Database site docs Question of the week How do I import/export data from my Cloud Datastore? Exporting and Importing Entities docs Scheduling an Export docs Where can you find us next? Francesc just released a new #justforfunc and he'll be presenting at Go Meetup London, Velocity London, Google Cloud Summit Paris and Devfest Nantes He is heading to Australia for GDG Devfest Melbourne and Game Connect Asia Pacific and will be hanging out at Unite Melbourne and PAX Australia.

Closing Argument with Walter Hudson airs weeknights 9-11 p.m. on KTLK Twin Cities News Talk AM 1130 & 103.5 FM.

Closing Argument with Walter Hudson airs weeknights 9-11 p.m. on KTLK Twin Cities News Talk AM 1130 & 103.5 FM.

Host Kevin Willett is joined by Author Dan McGrath to discuss his book called What You Dont Know About Retirement Will Hurt You.  Audio file:  danmcgrath.mp3

Dan Mcgrath is a legit filmer we talk about his style of filming a skate video! Shawn Conroy is a rad dude that decided to open up lizzie boarding skate shop. we discuss all about what it takes to run a shop from the ground up and how he delt with getting rob by a crack head with a needle

Serious news or tabloid tittle-tattle? Some Feedback listeners feel those photos of the Duchess of Cambridge got too much coverage on Radio 4's news output. Roger put your concerns to Mary Hockaday, Head of the BBC Multimedia Newsroom. And the BBC's new Director General George Entwistle, barely settled behind his desk, finds Feedback knocking at the door with a bulging volume of listener comments and suggestions. Mr Entwistle has already announced that he holds the audience closest to his heart, so listen in George, the Feedback audience has plenty of ideas for you. And a new era of the Radio 1 Breakfast show begins on Monday when Nick Grimshaw starts his reign. But what makes a great Breakfast Show? Feedback sends out a man well equipped to find out - avid Radio 1 fan, 16 year old Ollie Dean. Speaking to previous hosts Sara Cox and Tony Blackburn and the man brave enough to produce Chris Evans, Dan McGrath, Ollie uncovers some vital advice for new boy Nick. And finally, have you ever wondered what happened to Tony Blackburn's on-air canine friend Arnold? Tune in to find out. Presenter: Roger Bolton Producer: Kate Taylor A Whistledown production for BBC Radio 4.

Hour 1: Justin McGlaun from Lucky's Q joins me to recap their win at the Sam's Club Tour Regional event in Rockford, IL this past weekend.  I will also see how they got in to competition BBQ and what they think their chances are of winning the final event in Bentonville! Stan Hays, Co-Founder of Operation BBQ Relief, joins me to talk about OPB winning the award for Disaster Relief in the Midwest given to them by the Classy Awards.  Stan will also talk about OPB and what their mission is...and give us info on how YOU can help out if needed! Hour 2: We continue with the competition BBQ Round Table.  Last week we hit brisket...tonight we plow in to chicken with 3 of the top chicken cooks in KCBS.  Bob Roberts of 2 Old Men & A Grill, Dennis Keck of 4 Smokin' Butts and Dan McGrath of 3-Eyz BBQ join me to talk chicken from start to finish.   PLEASE SUPPORT THE SHOW SPONSORS The BBQ Guru Fred's Music & BBQ Steven DiFranco Jewelers Butchers BBQ BBQ Institute BBQ'rs Delight Wood Pellets Green Mountain Grills