Podcasts about eqc

It's not really a huge shock, is it? The news that homeowners will have to pay even more for home insurance to help the Natural Hazards Commission (formerly known as the EQC), is to be expected. Insurers have been warning for years that premiums will rise and will continue to rise, that they may have to put some of the cost of risky properties back onto homeowners and in some cases, they'll be declining to insure homes altogether. And we've already started to see that. In 2017, a then-record $242 million in weather-related claims was paid out. Just six years later, climate related claims were more than $3.5 billion due to the Auckland anniversary floods and Cyclone Gabrielle. It's incredible when you see the insurers' charts, 20 odd years ago they'd say this is a record year or this is a once in 100 year, then the next year, or three years later it would treble in terms of the cost of the claims that had to be paid out. So there's a pattern, you'd be a fool to ignore it, and the government is not doing so. Nor is the insurance industry. The Natural Hazards Commission provides cover for capped portions of residential buildings and land damaged by earthquakes, landslides, volcanoes, hydrothermal activities, tsunamis, storms, and floods (land cover only). Leaving private insurers to cover the rest. The NHC has struggled to recover following the Canterbury earthquakes and faces huge future claims costs. The new modelling lifts the likelihood of a big earthquake, with construction costs soaring post-pandemic and the reinsurance market hardening. The NHC is so underfunded that there's only a 37% chance the levy income will meet the costs over the next five years, according to the Treasury. And the NHC must cover the first $2.1 billion of claims related to a natural disaster before it can tap into its reinsurance cover. So just like any insurance claim, you must pay your excess, and then it will chip in. It's just in this case, $2.1 billion is your excess. Given there's only $500 million in the kitty, if there was a big disaster today or tomorrow, the government would have to find more than $1.6 billion to cover the claim costs before reinsurance cover could kick in. Associate Finance Minister David Seymour says levies will almost certainly need to rise, Cabinet's set to decide on the changes in the coming months. An insurance consultant told Ryan Bridge this morning it'll probably cost homeowners an extra $200 to $300 more a year. And if that sounds like a lot, well count yourself lucky, because there are some people who simply won't be able to get insurance for their homes. And it's not just people in the obvious places on cliffs or banks next to rivers who will be paying. Everyone is at risk. And those living up the top, who's homes are built on traditional drainage areas or water soak areas are part of the problem. We're all in this together. So, what are your options? If you have a mortgage you have to be insured, but it might mean that people take the bare minimum because that's all they can afford, meaning they are left underinsured and depending on the kindness of strangers to recover after disaster strikes. Will Give A Little be the insurer of choice for people who can't afford to cover themselves? I assumed Hamilton might be the safest place to live, and I was right. Volcanologists say Hamilton is probably the safest place to live. It's away from the coast which cancels out tsunamis. It's a safe distance from known fault lines, although there is the caveat that one could be lurking. It's far enough away from Auckland's volcanic field to be considered safe, and even if the Waikato River flooded its much lower than the houses around it. In the North Island, there's no real escape so should the north be paying more? Do we start pointing the finger at other areas? Can the people of the Waikato say “Hey, not us. We are living in a really safe area. If you choose to live anywhere outside of Hamilton, it's on you.” Do we ban the rebuilding? Make them no go zones of any area that's been flooded 2, 3, 4 times in the past 100 years. It's all very well and good for those who have not been flooded or have not been affected or haven't seen their homes turned to smithereens to say just move. But for most people, their home is their castle. It is their most significant financial investment. If they can't sell their home, they can't move. They have to patch it up and make do. So I would be really interested to hear your thoughts on this one. Do we go in this as “we're all in this together?” We accept that we're living on the shaky aisles, that we are a natural hazard magnet and that's the price you pay for living in a bucolic paradise. Should some areas pay more than others? Do you get the insurance companies whose business it is to gauge risk to set cover across the country based on the riskiness of each region.? Do we ban the rebuilding on known flood areas? What do you think the answer might be as we struggle to come to terms with living within our environment? We're not so far removed from early settlers really as we try to balance the advantages and disadvantages of living where we do. See omnystudio.com/listener for privacy information.

The draft is in the books and the Seahawks got quite a haul. Ian reflects on the picks.   MollyWhop Monday! Chris Crawford and Nathan Bishop join Ian to talk about the Mariners SIX straight series wins, Jorge Polanco as the AL player of the week and Seattle playing fun baseball. The bottom half of the lineup has been outperforming and JP Crawford deserves a ton of credit.   The Daily Power Play!   Nick Sheridan, Alabama QB Coach and Co-Offensive Coordinator joined Ian over the weekend to talk about Jalen Milroe and what the Seahawks are getting in their new quarterback selected in the 3rd round on Friday. We get a feel for Milroe, plus some new Seahawks Coach went up against.   Checking in on the Text Line!   Crosstalk with Softy, live from the EQC!

Seahawks Radio Analyst Bryan Walters joins Stacy and Curtis live on the EQC hotline. They talk about what the Seahawks will do with their first-round pick, Geno Smith’s comments after his contract extension with the Raiders, his immediate reaction to the breaking news that Drew Lock will be returning to the Seahawks, and much more. They react to Drew Lock’s return to Seattle, The Masters, and more in Headline Rewrites. They go around the NFL and talk about the league’s top headlines. And they talk about when the Mariners start dipping into their farm system given their current injury issues at the Major League level.

Baseball season is back and so is the Dugout! Bump and Lefko are joined by Mariners’ Insider Shannon Drayer to talk about Emerson Hancock’s tough first start and more. First Base Coach Eric Young JR. joins the show from the EQC hotline to talk about his love for baseball, his path to coaching, and much more. Play-by-Play announcer Aaron Goldsmith talks about Randy Arozarena’s tough luck to start the season, Jorge Polanco’s defense, and more. And Mariners Senior Manager of Baseball Communications, Alex Mayer joins the show for a Stats Spotlight.

Bump and Stacy are joined on the EQC hotline by The Athletic’s Robert Mays to talk about the Seahawks signing Sam Darnold, the potential of the Hawks’ defense, and much more. Bump talks about the top available WR’s without a team, the best way to grow football internationally, and more in Four Down Territory. They talk about what it will take for the Seahawks to make the playoffs this year. And they close out the week by telling you What You Need to Know.

Happy Opening Day! Wyman and Bob are live from Victory Hall getting ready for the Mariners first fixture against the A’s. M’s Second Baseman Ryan Bliss joins the show from the EQC hotline to talk about his excitement for the upcoming season, learning from Mariners’ legends during Spring Training, and much more. They talk about the Opening Day Lineup, and some MLB trivia in Take Two. They react to the national attention that the Mariners’ have started getting, is it a good or bad thing? And they give their predictions for the Mariners’ season including win total, All-Stars, End of Season Awards, and more.

Paul Moyer joins the show from the EQC hotline to talk all things Seattle Sports. He gives his take on the AL West, the dominance of the Mariners Pitching staff, the Seahawks roster changes this offseason, and much, much more. They talk about the importance of Julio Rodriguez to this Mariners team and try to predict what type of season he will have. And they go around the MLB to give you the top headlines from an action-packed Opening Day.  

In the third hour, Dave Softy Mahler and Dick Fain chat with Kevin Harlan about Super Bowl 59 on Sunday, Andy Reid, Saquon Barkley, plus Mike Holmgren, then they give away two EQC prize packages and share big NBA news before having Fun with Audio.

Mike opens the show talking about the Brett Favre’s response to Mark Gastineau’s confrontation. He gives updates on the Mariners from the winter meetings, talks Kraken, and more in Need to Know. And Alex Speier of the Boston Globe joins the show from the EQC hotline to talk about potential trades between the Mariners and Red Sox.

Ernest Jones joins the show from the EQC hotline to talk about his big game yesterday, his comfortability in Seattle and this system, and much more. Dave and Bob talk about the impact Jones has had on the Seahawks both on and off the field. They give credit to Jaxon Smith-Njigba for his recent surge and wonder if he’s become WR1. And they take a look at the Seahawks remaining schedule and talk about what they need to do to win the race to the playoffs.

Bob and Dave start the show by making their predictions for Sunday’s Seahawks game in Call it Now and make some bold predictions. Uchenna Nwosu is back! They talk about the “dirty” hit that took him out in preseason and the impact of his return to the team. They talk about Friday’s injury report and the Kraken’s goalie situation in Take Two. Noah Fant joins the show from the EQC hotline to talk about this week’s rematch with the Cardinals, adjusting to spending time on the sideline with an injury for the first time, Tight End University, and much more. They take a look at some of the top headlines from the MLB including The A’s giving Luis Severino the largest contract in franchise history, adding insult to injury Las Vegas’s stadium authority approved the A’s proposed plan for a stadium on the Vegas Strip.

Paul Moyer joins the show from the EQC hotline to talk about the Seahawks personnel changes, Arizona State’s chances in the BIGXII Championship, yesterday’s TNF game, and much more. Dave and Bob talk about the Seahawk’s struggles in short yardage plays and what they can do to improve in that critical area. And they talk about some of the biggest flubs from around the league in WHYMAN.

The Athletic’s Derrik Klassen joins the show from the EQC hotline to talk about last night’s TNF game, the Seahawks future in the NFC, building up the offensive line, and much more. They talk about the Seahawk’s recent roster moves, and Bill Belichick interviewing for the HC job at UNC, and more in Headline Rewrites. They go around the NFL and talk about the leagues top headlines. And Bump and Stacy talk about what they DO and DON’T want to see in Sunday’s game against the Cardinal’s.

Welcome back to Leading and Growing Your Real Estate Business! I'm your host, Coach James Short—aka Shorty—here to inspire, educate, and empower real estate leaders. Each week, we dive deep into strategies and insights that help you lead with clarity and grow with purpose. 
Joining us today is the incredible Jessica Aspromonte, founder of The Perfect Match Real Estate. With her mission to revolutionise the industry by creating seamless partnerships, Jessica brings a wealth of experience from her work at Harcourts and Airbnb. Fluent in multiple languages—French, English, Spanish, Portuguese, and Japanese—she's a powerhouse in navigating international transactions and tackling challenges like earthquake-damaged properties and EQC litigation. Jessica now collaborates with Darren Pratley, the 2023 PSANZ Professional Speaker of the Year, as a Performance Manager at Ink to drive high performance and deliver transformative results.
 Here are the five key takeaways from this exciting episode: *

EQ: Which Celebrity Would You Like To Stroke Your Hair While You're Dying? - It's another EQC as the cool kids call it and this time we're finding out about which celeb our guest celebs would like to stroke their hair, while they're dying. Richard gets confused about his own choice, but you'll be able to hear answers from such luminaries as Susan Calman, Milton Jones, Cariad Lloyd, Katherine Ryan and many more. It's a surprisingly good question. Apart from when Richard answers it.See a live recording of RHLSTP - https://richardherring.com/rhlstpSUPPORT THE SHOW!Come and see us live GIGSWatch our TWITCH CHANNELSee extra content at our WEBSITE Become a member at https://plus.acast.com/s/rhlstp. Hosted on Acast. See acast.com/privacy for more information.

The departing Chief Executive of the Insurance Council of New Zealand says if Wellington is hit with an earthquake on a similar scale to the Canterbury quakes, it would “raise some questions” on whether NZ insurers would be able to continue to purchase reinsurance at an affordable cost.“I think reinsurers would still be there. But the ability to purchase reinsurance at a good rate and the degree of capacity that would be available, particularly for property in Wellington, could be really challenging,” he says in a new episode of interest.co.nz's Of Interest podcast.“Ensuring how we manage that risk is really critical because we're very dependent on offshore capital and reinsurance to help support our insurance programs in New Zealand.”The Insurance Council says to date, private insurers have incurred over $21 billion in expenses due to the Canterbury Earthquakes.Toka Tū Ake EQC has contributed an additional $10 billion, resulting in a total insured cost surpassing $31 billion for the event. The Insurance Council estimates the overall economic losses for the entire sequence are estimated to exceed $40 billion.This week marks the conclusion of Grafton's nearly 12-year tenure as CEO of the Insurance Council and he reflected on his time in the role on the podcast.He says lessons were learnt from the 2010 and 2011 Canterbury Earthquakes, which were then applied to responses to the Kaikōura earthquake in 2016 and the Auckland floods and Cyclone Gabrielle last year as well.“When that [Kaikōura] earthquake struck, which was just a little bit after midnight, I think, on the 14th November, a lot of people were thrown out of bed almost by the earthquake in Wellington. And after the shaking stopped, I rang my counterpart at EQC Ian Simpson [EQC's Chief Executive at the time] and said, ‘we've got to do better than Canterbury and can we meet in a few hours and work out where we go from here',” he says.“So, within four weeks, we had the foundations of an agreement which enabled insurers to manage and settle claims on behalf of EQC. And that meant that for the customer, there was one point of accountability and responsibility for their claims, their insurer. And so it didn't matter whether it was an EQC claim or an insurer claim, they didn't get bounced around between the two.”“So from that, we then developed a more formal and longer lasting agreement with EQC to be their agents. And I think also the experience of those events from Canterbury through to Kaikōura, meant that when the Auckland anniversary floods and Cyclone Gabrielle came along, we were well seasoned in dealing with these kinds of situations.”Kris Faafoi will be the Insurance Council's new Chief Executive from next week. Faafoi held a number of portfolios during the Sixth Labour Government before he quit politics in 2022, including Commerce and Consumer Affairs, Broadcasting and Media, Immigration and Civil Defence.You can find all episodes of the Of Interest podcast here.

I am astounded by what's come out of this review into how well-prepared Civil Defence was prior to Cyclone Gabrielle and its immediate emergency response.  It wasn't well prepared at all, it seems. And the worst-case scenario was not planned for.  How many years is it since the earthquakes in Canterbury? Thirteen years since February 22nd. Longer since the September quake.  And here we are in 2024, and Mike Bush —who led an independent review into the Civil Defence response to the cyclone in Hawke's Bay— has found that the National Emergency Management System sets-up good people to fail.  You know that phrase: “When will we learn?” It seems we are incapable of that. Because, back in 2010 and 2011, the country had so many opportunities to learn.  Who knows how many academics and experts were poking their nose into Christchurch, wanting to interview people and find out their experience and their “learnings”.  After 2010 and 2011, it was going to be the big opportunity to make sure we set ourselves up to deal with major disasters and Canterbury was going to be the learning ground. But it seems we've learned nothing, because Mike Bush said as much yesterday.  Here's another thing he said: “We see the critical lessons for the future that can be drawn from this event falling into two broad narratives.   “One should inform improvements at local and regional levels. The other speaks to the need for new investment in enhanced national coordination, assurance, consistency and depth of professional leadership in response to emergencies.”   Thirteen years on from the country's biggest natural disaster and we're being told that our national emergency management system isn't up to it, it needs more investment to bring it up to scratch, and it sets people up to fail.  Astounding, don't you think?  I had suspicions that we hadn't learned a thing before all this came out, when I saw people after the cyclone saying they'd been let down by their insurance companies and EQC.  Now we're hearing that the system designed to co-ordinate responses to national emergencies is a dud.  Funnily enough, I was going through Christchurch's CBD just the other day and I looked at all the building work still going on and I thought back to how people responded that day back in 2011. How Civil Defence and council people set themselves up in the art gallery building. And they were there for weeks.  How, in the chaos of the moment, they didn't put themselves first. They put their city and its people first. And you would think, wouldn't you, that if we were to get some good out of all that - it would be making sure that people all around the country who might find themselves in the same boat one day, didn't have to pretty much start from scratch like our responders had to.  But no. Mike Bush has looked into it. And it seems we —as a country— are no better prepared for major disasters than we were thirteen and fourteen years ago, when disaster struck for those of us here in Canterbury.  And it astounds me. See omnystudio.com/listener for privacy information.

Softy and Jackson are LIVE from EQC and are debating which is the stronger emotion after this weekend: hapiness for UW or pissed off at Seahawks. Huskies offense needs to pick it up, Softy makes his Fact or Fiction pick. We hear from Kalen DeBoer from earlier today in his press conference, on looking ahead to the Apple Cup vs WSU.

This panel discussion took place at the Artemis ILS Asia 2023 conference in Singapore on July 13th.  This session was moderated by Michael Dunsire, Regional Director, APAC, Aon Insurance Managers.  The panellists taking part were: Simon Goh, Partner, Head of Insurance & Reinsurance, Rajah & Tann; Matthew Song, Executive Director, Head of Corporate and Institutional Client, SGX Group; Tim Yip, Executive Director & Portfolio Manager, ILS Advisers / HSZ Group; Scott McHardy, Head of Risk Finance, Toka Tū Ake EQC.  Momentum surrounding Singapore's ILS market hub continues to build, and this panel featured a discussion about the future of ILS in the country and what is needed to sustain ILS as a component of Singapore's broader financial activities.  The group discussed the current status of the Singapore ILS regulatory offering, as well as recent changes to the Singapore ILS Grant Scheme.  They also explored the broader potential for use of insurance-linked securities (ILS) within Singapore and the Asia Pacific region.  In addition, a recent first-time catastrophe bond sponsor on the panel, in Scott McHardy, Head of Risk Finance, Toka Tū Ake EQC, discussed the experience of using Singapore as a cat bond issuance domicile and explained how the regulator and service providers had supported the EQC through that process.  Listen to the full podcast episode to learn more about the insurance-linked securities (ILS) market in Singapore, the Singapore ILS regulatory regime and the continued investment that the country is making in developing a sustainable ILS hub component within its capital market.

A Wellington homeowner awoken by a landslide crashing through her kitchen window a year ago is still battling to get her insurer to pay even a cent towards the huge costs of re-building a wrecked retaining wall. Vero says it doesn't need to offer a payout because its assessment for a like-for-like repair on the decades-old wall falls below what EQC is covering. Last winter's persistent, heavy rain caused hundreds of slips across the Capital - almost 700 in seven weeks, resulting in nearly 300 land claims. Amy Williams has the story.

Mike Sando joins the show to kick off the second hour and discusses what happened around the NFL in week 1. We touch on the Seahawks' tough start to the 2023 season, and what we can expect to see from the team as they travel to Detroit in Week 2. We discuss the possibility of Coach Prime taking the step to be head coach in the NFL, and look forward to Monday Night Football between the Jets and Bills. We check the Tullamore Dew text line, and Ian looks to keep rolling with his fact or fiction pick. Softy joins the show for cross talk from EQC.

A new tool can help house hunters assess natural hazard risks before buying. The online Earthquake Commission portal identifies risks, information about insurance for natural hazards, and a map which reveals previously settled EQC claims. And it encourages buyers to ask questions about whether any damage to a property has been properly repaired. EQC's chief resilience and research officer Jo Horrocks.

When a natural disaster destroys your home, who should foot the bill? The government, private insurers, or you? 

Ian sat down with 76ers and Seahawks play by play announcer Kate Scott to talk Pac-12, Seahawks football, and how she is settling in to her role in Philadelphia. WSU Athletic Director Pat Chun met with the media today and we react to some pointed words for Pac-12 leadership and where the conference finds itself today. We check the Tullamore Dew text line, and catch up with Softy live from EQC.

Listeners weigh in on the Mariners, the Open and more about what it would take to sign Shohei Ohtani. Ashley's daughter got to meet Cal Raleigh this weekend and shares the experience of watching Palmer meet her sports heroes. Who are yours? We share our stories and the listeners weigh in. Dick Fain joins the show from EQC.

※ 投稿邮箱：418150505@qq.com※ 本文章首发订阅号：百车全说，订阅号阅读更加方便，欢迎关注。最近，smart又发布了一款新车smart精灵#3，这也是继精灵#1以来的第二款产品。如果按照序列号来，以为会命名为精灵#2，这次直接调到了精灵#3。目前精灵#3售价20.99-28.99万，所以今天就来聊聊smart精灵#3和精灵#1有什么不同？同级都有哪些竞品？以及配置该怎么选？精灵#3和精灵#1有什么不同，新车有什么亮点？第一，尺寸有着不小的区别。精灵#3定位定位紧凑级SUV，但是精灵#1号定位小型SUV。而且在尺寸上，精灵#3长宽高分别为4400/1844/1556毫米，轴距2785毫米。这个尺寸比精灵#1长了130毫米，宽了22毫米，高度矮了80毫米。不过轴距差别不大，只长了35毫米，所以两车在内部空间上，尤其是后排的腿部空间应该都差不多。但是精灵#3的头部空间明显会更小一些。也正是因为低趴的设计，导致这款车全景天幕是不带遮阳帘的。如果需要，可以在app里自己选配。第二，外观设计风格不同。精灵#1虽然定位小型SUV，但是它圆圆滚滚的造型看起来奶凶奶凶的。我们都知道重新起家的smart是吉利和奔驰共同打造的，吉利负责底盘和三电系统，奔驰负责设计。所以精灵#1这个外观明显是参考了奔驰GLB的设计，尤其从尾部看这个造型非常像GLB，甚至和奔驰EQB简直是同父异母的兄弟。但是反观精灵#3，虽然很多细节一样，但是整体的风格却大相径庭。因为精灵#3的造型有点更像一台轿跑SUV，官方定义它也是一台跨界SUV。但为什么我说是更像呢？因为仔细看，虽然精灵#3的侧窗线条是标准的流线造型，但你要是仔细看一看车顶的线条后就会发现，它其实就是一台普通的SUV而已，并不是一台真正的轿跑SUV。侧窗的造型给你的眼睛形成了一种溜背的错觉，所以千万别被它的侧窗线条所迷惑了。其实目前市面上还有几台SUV也是采用了类似的视觉欺骗设计，比如福特的电马，还有日产的艾睿雅等都是这样，我称之为“假溜背”。所以精灵#3是台“假溜背”SUV的设计，精灵#1是圆润SUV的设计，两者的设计差别还是挺大的。如果用动物来形容的话，精灵#3更像猎豹，而精灵#1更像小狐狸。不过精灵#3的车尾越看越眼熟，直到我打开了奔驰的官网，找到了答案。精灵#3的车尾和奔驰EQC不能说毫无区别，简直一模一样。唯一的区别就是车标不同了吧？因此精灵#3更像缩小版的奔驰EQC，精灵#1更像小号的EQB。第三，价格配置上也有差别。精灵#3起售价20.99万，精灵#1起售价17.9万，差了3.09万元。所以精灵#3入门门槛更高。而且在配置上，精灵#3和精灵#1也有着些许的区别。比如20.92万的精灵#1 Pro+版和20.99万的精灵#3Pro+版，两者只相差700元，但是精灵#3有19英寸轮圈、前排中间气囊、开门预警、后方碰撞预警、倒车车侧预警、并线辅助、自动变道、前排手机无线充电、运动风格座椅+座椅加热。但是精灵#1有双区空调、64色氛围灯、二排座椅可调以及自动防眩目内后视镜等。所以你有的我没有，我有的你也没有，这个要注意。精灵#1的普通版全系单电机，如果要双电机就必须到27.9万的BRABUS版了。但是精灵#3的双电机有个Pulse普通版，而且售价只要23.99万，最大马力428匹，最大扭矩543牛·米，百公里加速只要4.3秒。精灵#3和同价位产品该怎么选？适合什么人买？Smart精灵#1号于2022年6月上市，距今也整整一年了。来买精灵#1号的消费者一般都是冲着颜值和smart这个品牌去的。再加上smart之前只有精灵#1这一款车，外观内饰也不错，B柱上还有个闪闪发光的奔驰标，所以就直接下单了。甚至很少有消费者在买之前看过别的车，最多的也就看过特斯拉Model 3。这就跟买MINI一个道理，十个里面有9个都是先冲着牌子和颜值去的，然后再根据自己的要求选择是COOPER、CLUBMAN还是COUNTRYMAN。所以至于精灵#3这款车，虽然性价比不高，同价位比它尺寸大、空间比它大的车到处都是，比如比亚迪宋PLUS EV、别克E5、深蓝S7等等，不仅空间大，配置性能也要更高。但是如果要论20-25万哪个纯电SUV的品牌最有B格，我觉得在MINI纯电出来之前，smart一家独大。所以在smart的客户群体里，什么性价比、空间、配置都不重要，最重要的是我喜欢。你空间再好配置再高，都抵不过三个字“我喜欢”。所以只要他们喜欢smart这个品牌，又觉得精灵#1这个产品颜值不错，那这单基本就是成了，甚至都不需要销售介绍。我也咨询过销售，最快的时候客户从进店看车，到下决心买它只花了20分钟，真的真的很夸张。因此总结来说，精灵#3的主要对手有以下三种。一是自家的兄弟精灵#1，因为很多人买精灵系列就是冲着smart这个牌子去的，如果真要买一台smart回家，在来到店里之后，肯定要在精灵#1和精灵#3之间做抉择，所以精灵#1反而是精灵#3最大的竞品。不过这两台车怎么选也很容易，看外观就行，喜欢造型方正的就买精灵#1。喜欢带点溜背的跨界造型，那就选精灵#3。二是极氪X和特斯拉Model 3。因为据极氪的销售反映，看极氪X有将近一半都在对比smart，毕竟同平台的产物，极氪X的性价比要更高一些。但是在外形上，极氪X和精灵#1以及精灵#3的区别非常大，所以看一眼也知道该怎么选。其次就是特斯拉Model 3。不过买Model 3的一般都是冲着特斯拉的品牌去的，特斯拉现如今有点燃油车时代大众、丰田的感觉，所以不少女性客户在不知道怎么选的情况下就产生了从众心理。三是MINI。可能有人觉得MINI是油车，smart是电车，两者的客户群体应该不重叠才对。其实并不是，因为这两台车在很多女性客户的眼里差别没有那么大。或者说很多有差别的地方，她们一点都不关心。她们只关心谁的造型更好看，我更喜欢哪个造型而已。而且都是20多万，买台小MINI也是买，买台smart也是买，在她们眼里这几款产品都一样。总结来说，精灵#3和精灵#1一样，更适合家里的第二台车，也更适合给老婆开。虽然精灵#3尺寸要比精灵#1大，但是放在整个SUV市场，精灵#3的尺寸依旧不算大，顶多算是入门紧凑级suv。其次便是单身的年轻人们。如果说精灵#1的造型女生开更适合，那精灵#3跨界的造型则比较中性，男生开也不太违和。所以smart推出精灵#3的目的就是为了丰富自己的产品，带来更多设计风格的产品，同时吸引更多的消费者，尤其是男性消费者，就这么简单。配置该怎么选？目前精灵#3一共推出了四款产品，两款单电机，两款双电机。目前根据销售反馈，10个订单中至少8个是双电机四驱Pulse版。原因很简单，价格只比单电机最入门的Pro+贵了3万，但是动力高出一大截。除了最低配Pro+版，其他版本都有3000元尾款抵扣，外加赠送充电桩。6月份订车还送价值1.2万的密友超拉风套装，包含：贯穿式LED矩阵大灯、流光粒子格栅、smart灯光秀、beats音响13扬声器，以及Premium同款氛围灯。Premium是顶配版本，定价25.59万，原本Pulse版与Premium版差价1.6万。这一下子就把差距拉没了，当然是Pulse性价比更高。至于顶配BRABUS，就看个人喜好了，28.99万买这车肯定是毫无性价比，但是BRABUS套件确实独一无二，就得看各位钱包里的预算够不够，自己喜欢不喜欢了。作者：三刀、新一编辑：新一可以添加微信46415254加入我们的社群音频图文更新在订阅号： 百车全说每期抽三条留言，每人赠168元的“芥末绿”燃油添加剂一瓶点击订阅，每周三，周六更新会有提醒新听友可以搜索：百车全说2014，百车全说2015，百车全说2016，往期300多个小时的节目可供收听

We got another winner on the phone line, thanks to EQC! Puck and Egan continue their discussion on the Mariners as they played pretty well against the Miami Marlins, although they didn't get the sweep. We also play audio messages from listeners, and we have a new tweet of the day.

Jim is taking off for vacation on Friday, so the fellas talk about double-fisting drinks, driving on the right side, and a lot more. EQC is handing out money and we have a lucky winner who wins $400 as he called back after we announced his name, he shares how he might spend the money. Joel Dahmen catches up with the guys and shares his thoughts on LIV Golf and the PGA Tour news.

At first blush, the government's plan to buy out homeowners affected by this year's extreme weather events makes a lot of sense. It would be the absolute height of stupidity to be rebuilding houses in places that are inevitably gonna' be hammered again the next time there's a significant rainfall or storm. Everyone is desperate for certainty but the real test of the scheme will come down the line. I want to know how the split is gonna' work for properties in Category Three, where it doesn't make sense to rebuild, and homeowners will need to be bought out. The houses in Category Three were consented by local councils, and if you were making an argument over liability, there's good reason to think local councils bare the majority of it. But in some cases, consenting decisions were made decades ago, and you needn't look too deeply into local government finances to appreciate that most councils don't have hundreds of millions of dollars sloshing around. I think it's inevitable much or most of the burden for funding those buyouts will fall to central government and to taxpayers. And keep in mind it's highly likely that this process will work as a blueprint of sorts for even greater managed retreat in the next few years. There are all sorts of other tricky details that will inevitably lead to conflict. How will disputes work for homeowners who don't agree with their homes new category? How will insurance payouts work? And what about places that weren't insured in the first place? As swift as the process has been so far… the detail will be the hardest bit. And I'm reminded of something my Dad said in the years after the Christchurch earthquake. Ultimately, even for those homeowners who could claim EQC payments, those people who didn't end up financially any worse off than before the quakes, despite the damage to their homes, these kind of events still take something from everyone affected. They rob you of time. And for that, there is no recourse.See omnystudio.com/listener for privacy information.

In the third hour, Dave Softy Mahler and Dick Fain react to the 2023 Seattle Kraken season coming to an end with a game seven loss with radio analyst Dave Tomlinson, discuss the Spurs winning the NBA Lottery, and then play Pick Your Putz at the EQC.

※ 投稿邮箱：418150505@qq.com※ 本文章首发订阅号：百车全说，订阅号阅读更加方便，欢迎关注。我相信如果你有30万以上的预算，我相信基本上就直奔奔驰宝马奥迪去了，但前提是你准备买一台燃油车。而一旦你30万以上预算准备买一台电动车，那奔驰宝马奥迪大概率是你第一个PASS的对象。去年10月，有一位购买奔驰EQC的车主，在网上分享了自己购车后，被特斯拉销售嘲笑的经历。他说，当特斯拉销售得知他购买了奔驰EQC之后，电话里只说了三句话“你买了奔驰的电车啊”，“哎哟，我的妈呀”，“没事没事，那就这样吧”。中华文字博大精深，虽然特斯拉销售一个否定的词语都没有用，但是字里行间都是对车主选择奔驰EQC的鄙视与嫌弃。车主一怒之下，就坐在车内拍了短视频发到了网上，车主说，纯电车就你特斯拉一家独大吗？买别的电动车就要被你们鄙视，被你们看不起？结果视频发到网上，原本只是被特斯拉销售一个人嘲笑，结果成了被所有网友嘲笑。我看到一条评论更是杀人诛心，“恐怕连卖你EQC的奔驰销售都在背后嘲笑你吧。”买一辆奔驰还被人嘲笑，这在几年前根本无法想象。如今出现这种现象，原因也很好解释，你买一台奔驰可以理解，你买一台电动车也可以理解。但是你买一台奔驰电动车，我真的很难理解。这就像是你买劳力士我能理解，你买Apple Watch我也能理解，但是你买劳力士的智能手表，我就完全无法理解。这个解释，是不是通俗易懂？奔驰宝马奥迪的电动车现在惨到什么程度？奥迪4s店拉横幅“奥迪也有纯电新能源”，态度诚恳，姿态卑微，就差把后半句“求你进来看看吧”写出来了，但是在我看来，这就像诺基亚的柜台拉横幅“我们的手机也有触摸大屏”的感觉。宝马经销商也在店里制作了海报，用BMW i3对比小鹏P7和特斯拉Model 3，全篇内容用两个字就能总结，拉踩。即使这样卖力宣传，宝马i3的销量也不及特斯拉Model 3的一个零头。不过小鹏P7自己不努力，月销2、3千台本与宝马i3差不多，但是当i3优惠高达10万左右，24万多就能开回家的时候，销量竟然一度冲到了6000多台每月，把小鹏P7远远甩在身后。所以我一直在思考一个问题，24万的宝马i3抢走了多少35万的燃油3系车主？我敢说卖24万的宝马经销商肯定不赚钱，只是亏多亏少的问题，而宝马厂家造一台i3肯定也没有一台燃油3系赚的多。那这个游戏怎么继续往下玩？燃油车卖一台赚一台的钱，电动车卖一台亏一台的钱。奔驰宝马奥迪不转型，感觉像是在等死，转型又感觉像是在找死。所以今年各位发现，奔驰，宝马的燃油车非但没有降价，反而还涨价 ，为什么？因为豪华品牌燃油车领域，他俩真的没什么对手。那既然大家都在用电动车革燃油车的命，燃油车奔驰宝马奥迪也没什么对手了，索性最后一搏，干脆涨价当奢侈品卖算了。就像被人嘲笑的奔驰EQC车主所说，电动车市场不是你特斯拉一家独大。但是看看往年的销量，特斯拉仍然是龙头老大，地位无法撼动。2022年特斯拉全球销量131.3万辆，比亚迪186.8万辆，奔驰电动车14.9万辆 。这么一对比，就知道差距到底有多大了吧。不过，再拉出奔驰燃油车的数据，那就很恐怖了。全球销量204.39万辆，全年营收155.2亿 欧元，利润148.1亿欧元，相当于比亚迪利润的6.8倍。换句话说，比亚迪卖7台车，等于奔驰卖1台车赚的钱。以奔驰宝马奥迪为主的豪华品牌其实都面临同样的情况，燃油车销量有保障，利润有保障，他们完全没有动力发展电动车。一开始转型做新能源，无非是迫于排放、积分与政策的压力而已。在燃油车领域，奔驰宝马奥迪掌握着绝对话语权，无论对客户，对经销商，对供应商。而且在发动机，变速箱和底盘方面的技术积累，也绝对不是一个新品牌短时间内可以超越的。更关键的是，有钱人对车辆的社交属性，天然对豪华品牌有需求。当你兜里有钱了，奔驰宝马的销量自然就来了。可是到了电动车时代，电机取代了大排量发动机，动辄3秒多的零百加速，搞的现在燃油性能车都没有了更新换代的动力。四驱，我前后双电机就可以搞定。电动车不需要变速箱，自然技术壁垒也没了。电池包还可以增加车身刚性，重心更低，同时弱化了底盘调校难度。取消了纵向传动轴，车内空间表现也能优于同级。这一顿操作下来，电动车新兴企业完全不用看老前辈们的脸色，一个字，“干”就完了。更麻烦的是，汽车的电动化是与智能化一起到来的，它并不是单纯意义上的油车改电车，而是打造成一个智能座舱，一个所谓的“移动客厅”。原本燃油车时代“坐奔驰开宝马”人尽皆知，现如今奔驰不一定有理想坐的舒服，宝马不一定有特斯拉开的尽兴。过去大家买燃油车只看重三大件，现在买电动车你没个大屏幕，5G网络，智能驾驶辅助试试？上升到豪华品牌的层面，这些还只是基础。中国新势力车企的创新和内卷能力，远超奔驰宝马奥迪这种老牌车企的想象。他们绝对不会想到，中国有那么多消费者，爱死了理想车上的冰箱、彩电、按摩椅。中国有那么多客户，愿意花钱购买蔚来堪称“海底捞”式保姆级服务。奔驰宝马奥迪在燃油车领域，有什么值得买？无非就是个大标，给你增加了一些自信，亦或是所谓的社交货币。但是电动车的卖点远超产品本身，他们可以是服务，是创意，是功能，是设计，是社群，是对未来无人驾驶的想象力。反正，卖点不仅是你开的这台车本身而已。而燃油奔驰宝马奥迪的卖点，就是车辆本身。有人可能会好奇，奔驰宝马奥迪难道造不出一台碾压特斯拉 、蔚小理的电动车吗？就目前来看，还真造不出。不是技术层面造不出，而是企业层面造不出。举个例子，就像索尼公司发明了MP3，但同时索尼唱片公司很赚钱，那就一定会限制MP3的发展，结果被苹果ipod捷足先登。柯达1976年就发明了数码相机，但公司的胶卷业务很赚钱，这个项目就一直被束之高阁。2000年数码相机开始流行，2012年柯达倒闭。传统车企在转型中产生的内耗，是根本无法避免的，而新兴车企根本不存在这个问题。2017年，奔驰财务副总公开宣称，在发展初期，电动车的利润可能只有燃油车的一半都不到。奔驰换谁当CEO，都绝对不敢ALL IN电动车，他但凡有一点点这方面的心思，董事会必然立刻让他滚蛋。因此，奔驰的EQ电动车，只能是与 AMG、迈巴赫一样并列发展。宝马其实也好不到哪里去，2014年宝马集团研发董事迪斯与科鲁格竞争董事长位置失败，前者转而投身去帮大众All in电动化，有了后来的ID系列产品。而科鲁格坚信PHEV才是未来，这也是有原因的，在他上任前的2013年，宝马推出了纯电动开山之作i3，有增程版与电动版，但是这款车无论销量还是利润，都远未达到预期。因此，科鲁格对纯电动一直持保留意见。直到2019年齐普策上台，宝马的电动化终于向前跨了一大步，但仍然看得出是小心翼翼，如履薄冰。真正的纯电产品，像是iX系列，并没有太大声量，反倒是人称“油改电”的i3，iX3降价后销量还行。无论奔驰还是宝马，在新能源领域做的每一件事，感觉都很拧巴，又不想做，又不能不做。有时候想想，也的确有点为难奔驰宝马奥迪的老总了。燃油车领域，有着既定的等级划分。奔驰C级、E级、S级，宝马3系、5系、7系。到了电动车领域，首先大前提是电动车一定比燃油车贵，然后还要传承奔驰品牌的特色，还必须解决续航的痛点。结果，就造出了一堆奇葩的EQ系列产品。EQS在2021年上市，定价107-150万上下，比奔驰S级贵了16万。奔驰EQE，定价52-58万多，比奔驰E级贵了9万多。还有奔驰EQA、EQB、EQC价格都贵的离谱。产品体验一塌糊涂，定价倒是自信无比。在咱们中国这个全球最卷的新能源市场，拿这种产品来卖，无异于星巴克卖铁观音，肯德基开火锅店PK海底捞。结局可想而知，EQS降价30多万，EQC降价15万多，仍然是卖不动。好不容易卖出去一些，还被客户投诉。奔驰EQC就多次因质量问题而被官方召回，空调冷凝水、电子部件腐蚀、控制单元出现故障、转向系统失灵、电机问题等等，显然在“三电”领域，奔驰并没有想好好应付这场考试。还要一个更尴尬的问题，各位想想，当你开一台燃油的奔驰、宝马去加油站，工作人员会指引你到95号加油口停下，开口就是，老板是不是加满？而你开一台电动的奔驰、宝马去充电站，等待你的就是网约车司机师傅羡慕中带着嘲讽的目光。我知道你的车四个轮子拆下来可能都可以换他一辆，但是你的充电速度还真不一定有他们的车快。你说奔驰宝马奥迪是豪华品牌，在电动车领域它豪华在哪儿？特斯拉有上千座超充站，特斯拉车主就算嫌2块多一度电太贵不用，他开车路过看着心里也爽。蔚来也有上千座换电站，就算年年亏损上百亿，但是车主觉得就是牛x。奔驰宝马奥迪不是不知道拿下电动车市场的方法在哪里，其实这简单到就像是成年人做小学一年级的算术题。但是让你辞去公务员的工作，去跟小学生在加减乘除上放手一搏，我想只要是个正常人，他都不会愿意。更何况奔驰宝马奥迪这种有着数十万员工的企业，背后有着错综复杂的利益链，改革必然要面临成百上千倍的阻力。可以添加微信46415254加入我们的社群音频图文更新在订阅号： 百车全说每期抽三条留言，每人赠168元的“芥末绿”燃油添加剂一瓶点击订阅，每周三，周六更新会有提醒新听友可以搜索：百车全说2014，百车全说2015，百车全说2016，往期300多个小时的节目可供收听

In the third hour, Dave Softy Mahler and Dick Fain look ahead to this week's NFL Draft with Daniel Jeremiah from the NFL Network, hold their weekly Pick Your Putz segment where one listener could win an EQC prize, then chat with Sounders' Brian Schmetzer.

Property experts are warning owners of flood-damaged homes in Hawke's Bay to take care when dealing with investment companies wanting to snap up their houses. A property investment company is advertising on local radio, saying they'll pay in cash to purchase flood-hit homes. But questions still remain about the future of the properties, with insurance, EQC claims and government decisions on land still up in the air.  Jemima Huston reports. 

Full text: At the end of last year, the Oregon Environmental Quality Commission adopted rules banning the sale of internal combustion cars by the year 2035. It's not a stretch to say these rules will affect every single Oregon household and Oregon business. Many Oregonians outraged by the ban have asked, “How can they do that?” How they imposed the ban is even more outrageous than the ban itself. Nearly 20 years ago, the Commission approved rules that tied Oregon's low-emission vehicle rules to California's rules. Put simply, whatever California does, Oregon has to do it also. Under some quirky federal rules, if a state wants to follow California's lead, it has to enact the exact same rules as California. Last summer, California banned the sale of internal combustion vehicles and in December, Oregon followed suit. Here's where things get really crazy. Neither the EQC nor California's regulators are elected. In Oregon, they're all appointed by the governor; and in California, a supermajority is appointed by the governor. Put simply, Oregon's rules are determined by an unelected board in another state. But there's hope. This year, the legislature will be considering House Bill 3022. If passed, this bill would require that any rules related to motor vehicle fuels or emissions must first be approved by the legislature. It's time to bring policymaking back to the legislature, and HB 3022 is a good first step. --- Send in a voice message: https://anchor.fm/coffeewithcascade/message

College football is finally back in full swing, and it's time for Hawks fans to start scouting for a new quarterback. Rob Rang tells you who to watch for this weekend. Big news: Ian announces the date of the release of The Mayor IPA at Georgetown Brewing. Texts react to the Pat Chun conversation, and the CFP expansion. Softy, at the EQC, reacts to the news.

With climate change-induced disasters becoming more frequent around the world, how do insurers weigh up the financial risks?

Insurance assessors in Wellington are about to get busy, after another spate of landslips struck the drenched capital this week. Landslip damage is deemed a natural disaster so residential land is covered by EQC. But there are still misconceptions about what can and can't be claimed for. EQC chief executive Tina Mitchell spoke to Corin Dann.

This week's edition of Cruise Control returns with interesting car launches, plus a preview & review of crowd favourites all rolled into one.Mercedes look set to take the local car market by storm with the launch of the all-electric EQ series, Daniel and Ali gather their thoughts on the recent additions to the German giants' impressive fleet; launching the luxurious EQS 450+ Sedan, the impressive EQC 400 as well as the spacious seven-seater EQB 350 all on the same day. Other notable launches include the new Ford's Ranger pickup, and the locally assembled Kia Carnival available for bookings soon. We also look ahead to the incoming upgrade on the all-new Toyota Vios, as more information about its interiors start to surface. We round off with Daniel's guide on a reliable MPV readily available in the after market; the 20 year old, second generation Nissan Serena.

we've spent a lot of time this week talking about Julio Rodriguez. We re-visit our conversations with Manny Acta and Aaron Goldsmith, two people who have gotten to know him well over the past few months. J-Rod has the potential to be a Seattle sports legend. Who do you think has already made that list? We read through the names you've sent to 49451. There's one notable name that almost everyone has chosen to exclude. Softy is out at the EQC. We chat with him during cross talk. Someone buy the man a drink.

The announcement finally happened. Seattle will host World Cup matches in 2026. San Francisco apparently also gets to host some matches, you know the town that's great for selfies. Texts react to the show. Softy joins form the EQC.

Puck isn't feeling comments from Robbie Ray, but this isn't the first time. Puck wants him to just be a little accountable. Nobody called in to collect $100 as EQC is handing out money, with that said Puck is under the belief the phonelines don't work. Ian Furness hops on the mic for Cross Talk as he shares what's going on for his show Thursday afternoon.

Some ground-breaking research into a rock is unlocking the secrets of earthquake faults. From Aoraki Mt Cook to Waiheke Island, and even further North, greywacke is our nation's most common type of rock. But it's the rock no-one particularly loves. Greywacke is a variety of sandstone. It's hard, dark, and has nothing shiny, pretty or particularly valuable about it. But lecturer in geology at Victoria University of Wellington Dr Carolyn Boulton is very interested in it. Dr Boulton tells Kathryn Ryan she has been granted EQC-funding to look specifically at how greywacke rocks behave before, during and after earthquakes, and how faults can communicate with each other.

Kiwi technology that can warn of an earthquake is going global. EQC and Massey University scientists have tested low cost early warning sensors, which gives notice of a quake. The project has made significant steps from a vision to hard data, and has successfully developed algorithms that can drive an early warning system.The findings were published recently in Informatics, a leading Swiss open access journal on information and communication technologies, in an article titled "Saving Precious Seconds", and have also gained interest from scientists all over the world who have jumped on board to share their information. Infact, as lead scientist Raj Prasanna tells Lynn Freeman, the Kiwi project has unexpectedly created an amazing new global community of excellence.

Police announce the results of their investigation. Will anyone be held accountable over 115 deaths?

The CTV story descends into controversy and farce: a fake engineer and New Zealand's biggest homicide investigation.

The CTV building was born in the 1980s construction boom. It had profound design flaws that were flagged at the time. How did it even get built?

Senior Constable Stuart Martindale gets a tap on the shoulder and is handed a phone number. A trapped survivor is calling from underneath the rubble.

Rescuers tunnel into the rubble and find what was left of a school cafeteria with 22 students trapped – dead and alive.

Topi Emery and Marion Hilbers were among the 149 people in the CTV building when it collapsed. Their families kept vigil at the site for hours, hoping for a miracle.

This episode is a recent conversation the guys had with Tim Wilson, son of legendary co-founder, Don Wilson, of The Ventures. Tim co-directed the movie The Ventures Stars on Guitars that came out earlier in the year. He talks on how the band got started, how the idea of the movie came to be, and great inside stories on what it's like to have a dad in a world-famous band. The Ventures, a quartet that plays instrumental rock, was started in 1958 in Tacoma by Don Wilson and Bob Bogle. Their first wide-release single, “Walk, Don't Run” brought international fame in the 1960's. Since then they have had 14 singles in the Billboard Hot 100 and with over 100 million records sold, they are the best-selling instrumental band of all time. 02:30 – Brogan talks about reflecting on old episodes, they chat about GCP's upcoming 3-year marker, and Justin kicks off the interview with Tim. Tim talks about how his dad and friend started the band, the quick success of the band, and chats about the non-stop 60 years of playing the band had under their belt prior to Covid. He discusses coming up with the documentary idea, getting his sister involved with the filming piece, and dives deeper in the evolution of the band. 24:41 – Tim talks about starting a guitar company in 2003, the various bands that were influenced by The Ventures over the years, and how the band learned to create their various sounds. He shares the story of the uptick of Fender Jazzmaster guitar sales after fans had reached out to Fender after they heard their music to find out the type of guitar they used, Jeff talks about the magic behind The Ventures music, and Tim shares how the band got started playing in Japan. 49:15 – Tim explains how they ended up meeting Billy Bob Thornton, other famous people The Ventures played with, and gives props to the producers of the Walk Don't Run documentary. He talks about how The Ventures started getting air play, the legwork his grandmother put in as the producer and manager of the band, and the great work Pat O'day did for bringing musicians to the PNW. He talks about the upcoming event happening at the Emerald Queen Casino Ballroom August 22nd 2021, the work behind getting the band into the Rock and Roll Hall of Fame, and his conversation with Quentin Tarantino. 60:13 – The guys reflect on the conversation with Tim, their plans to have him on the show again soon, and each chat on how their Christmas was. Jeff talks about the new gaming chairs he got for Christmas, Justinn shares what he and his wife had for Christmas Dinner, and Jeff talks about what he ordered from The Black Bear Diner for his. Justin gives a shout out to the Four Horsemen Brewery, Urban Business Support, and they close out the show discussing New Year's Resolutions. Special Guest: Tim Wilson.