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Check out Carlos' shop! https://otamerch.shop/ Each week we aim to bring together the biggest events in Vtubing and talk about what's been going on. Stop by, hang out, and let's catch up with us! Join this discord : https://discord.gg/wFMcTGHWGJ Follow here for updates: https://twitter.com/SuperChatsPod Shorts over here: https://www.tiktok.com/@superchatspod 00:00:00 Intro 00:02:30 Gura Guraduated 00:10:08 ENReco is Back 00:13:36 Kanade's 3D Live: The First Note 00:25:13 New Phase Invaders Debuts 00:26:59 Clio Aite 00:35:56 Mari Mari_EN 00:40:12 Eepy Sleepy 00:46:54 Camila's Back! 00:50:23 Koyori's New Outfit 00:52:06 Raden Tells People to go to a Museum 00:53:57 Hololive's Disney Ads 00:57:32 Shiina's Getting Surgery 01:01:12 Meanforce1 Still Printing 01:03:07 Ironmouse Spoke to Congress 01:06:21 ENReco's song Monster 01:08:10 Kizuna AI's White Balance 01:10:31 Idol Eternals' Mi Camino 01:12:55 Polka covered Headache 01:13:50 Zeta covered Hikari 01:15:01 Sora, Kyori, Bae, Ao, and Hajime covered Beyond the Way 01:15:45 Ao covered Influencer Laundry 01:17:24 Ao covered Moe Chakka Fire 01:18:13 Mint covered Can't Say Goodbye to Yesterday 01:19:41 Nimi covered Lovefool 01:21:49 Obkatiekat covered Blinding Faith 01:24:24 Shiori's birthday Wonderland Tea Party 01:32:04 ENReco 01:37:01 Gura's Holotalk 01:48:07 Nimi played Gullum 01:54:28 Community and Shilling 01:58:19 Birfdays
Frica de eșec vs. Dorința de succes: Ce te oprește cu adevărat în afaceri Ce te oprește să lansezi acel proiect, să-ți faci magazinul online sau să dai drumul la ceva nou? Nu e lipsa de bani sau de timp. E frica. Rușinea. Gura lumii. În acest eFailureCosmin Dărăban vorbește sincer despre frici, eșecuri, greșeli și cum toate acestea pot deveni combustibilul tău pentru succes. Dacă ai avut vreodată o idee dar te-ai oprit „că poate nu merge”, ascultă acest episod până la capăt.
Check out Carlos' shop! https://otamerch.shop/ Each week we aim to bring together the biggest events in Vtubing and talk about what's been going on. Stop by, hang out, and let's catch up with us! Join this discord : https://discord.gg/wFMcTGHWGJ Follow here for updates: https://twitter.com/SuperChatsPod Shorts over here: https://www.tiktok.com/@superchatspod 00:00:00 Intro 00:01:19 The Sinder Situation 00:03:01 Document 1: Nanoless 00:12:55 Document 2: Silvervale 00:18:53 Document 3: Bao The Whale 00:24:38 Document 4: Spite 00:26:23 Document 5: Rayne 00:32:27 Document 6: Sinder 00:38:10 The Responses 01:02:16 Shion's Graduation 01:10:38 Mumei's Graduation 01:19:54 Matara Kan is Leaving Vshojo 01:21:50 Caspur Catacini Debuted 01:29:45 Mumei and Gura's Final Hologras 01:30:27 Enigmatic Recollection 2 Starts on May 3rd 01:31:04 Omocat Releasing Myth Plushies 01:31:31 Ala's New Outfit 01:32:44 Pandora's 2 Concert Appearances 01:33:35 Nene Amano's Uncapped Subathon 01:34:03 Dizzy's Back! 01:34:21 New JP Indie Group Weather Planet 01:35:34 Sidebar: GamerSupps 01:36:18 Hololive World Tour 25 01:36:46 Hololive Star Wars Collaboration 01:37:32 Amane Kanata's First Sololive on Aug 13th 01:37:50 Ala's cover of End of a Life on May 9th 01:38:18 Marine's New Music Video 01:39:42 Suisei's Bloom in the Night 01:40:18 Hinata and Ruka's song Goodbye Forecast 01:40:44 Nene Amano's Don't Look Down 01:41:15 Nagi's song Spotlight 01:41:36 Mumei's Covers 01:42:30 GX Aura's cover of Hai Yorokonde 01:43:43 Shabel Tonya's cover of Universe 01:44:14 Poko covered Loli God's Requim 01:47:13 Marker 36 01:47:26 Mumei's Final Streams 01:51:02 Holotalk with Mumei 01:55:50 Solstia's 1st Anniversary 02:00:55 Shibi's Oblivion 02:01:23 ERB's Birfday Karaoke (and merch) 02:02:05 Mercy's Anime Recommendation Stream 02:03:15 Community and Shilling 02:08:30 Birfdays
What's going on? Food crimes! We're also proactive in our communities, watched some movies, said good bye to some Vtubers, and got into the Switch 2 discussions...again! Hey, it's us, it's fun!Check it out!Explicit language on this one."Love Everlasting" (DDRKirby(ISQ) - https://http://ocremix.org/)Find the show on iTunes, Google Play Podcasts, Spotify, and Simplecast.fmFind the show on YouTube: https://www.youtube.com/channel/UC6QoHk8iEsVGTpd2qdTlH-gFollow us @CharacterReveal on Bluesky, Instagram, and on Facebook!Dom is @brothadom on Bluesky, tweets, tumbles and generally on the netSteph is @captainsteph on Bluesky and Twitter, @hella_steph on Instagram, and @thesnowqueer on TumblrEric is @TindiLosi on some places on the internet as a whole, like BlueskyFind everything at: https://linktr.ee/characterreveal
Check out Carlos' shop! https://otamerch.shop/ Each week we aim to bring together the biggest events in Vtubing and talk about what's been going on. Stop by, hang out, and let's catch up with us! Join this discord : https://discord.gg/wFMcTGHWGJ Follow here for updates: https://twitter.com/SuperChatsPod Shorts over here: https://www.tiktok.com/@superchatspod 00:00:00 Intro 00:03:05 Kiara's Spring Concert 00:13:05 We Have MERCH! 00:16:45 Nimi's New Model 00:20:22 Bijou vs The World 00:29:42 Michi's Anniversary Concert 00:38:23 Gura's Graduating 01:04:14 Is Hololive Cooked? 01:09:12 Shondo is Back 01:12:48 Megaladon's Medical Hiatus 01:13:48 Hololive Rust Collab 01:17:52 Hakka's New Outfit 01:22:59 Poko's New Outfit 01:23:24 Brave Groups' Channels Remonetized 01:24:46 PixelLink's Twitter Resurrected? 01:26:21 Peo Got Her Silver Play Button 01:27:14 VCard Updates 01:37:16 Casurr's New Model Soon 01:38:02 Gura's song Ash Again 01:40:25 Hakka's song Omen of Crows 01:43:38 Idol Wildfyre's song Trailblazer 01:45:20 Kanna covered Take Control 01:46:59 Raeyei and Octavio covered Naimononedari 01:48:40 Gura and Mumei Room Review 01:52:34 Mercy Played Izuna and Waxed Her Legs 01:55:08 Lyco Lianna Ate Her Own Foot 01:59:24 Weekly Alicja Update 02:04:02 Bits and Bobs of Other Streams 02:05:42 Community and Shilling 02:11:36 Birfdays
EJ & I discuss the 4Chan hack, the death of Pope Francis, Wrestlemania, & much more
This week on Anime Pulse we got graduations, Easter, and previews. Up first Joseph sounds terrible because he has a cold or something, and Andrew is curious about the worst story arcs in anime. Then in the industry news there is plenty of talk about Gura's graduation from Hololive, and AI Ghibli art. And finally we have ventured back into previews territory with king Joseph healing his harem of monster girls after being reincarnated in another world as an old country bumpkin, and Andrew goes on a journey to become a better detective at a robo hotel.
Check out Carlos' shop! https://otamerch.shop/ Each week we aim to bring together the biggest events in Vtubing and talk about what's been going on. Stop by, hang out, and let's catch up with us! Join this discord : https://discord.gg/wFMcTGHWGJ Follow here for updates: https://twitter.com/SuperChatsPod Shorts over here: https://www.tiktok.com/@superchatspod 00:00:00 Intro 00:00:34 Gura (not full discussion yet) 00:05:10 Random Tangents 00:11:29 V4Mirai Free Lunalia 00:17:11 Regis Altare Returns 00:28:26 Korone 6th Anniversary 00:35:28 Pandorangel vs Pandevil 00:40:41 Dizzy Dokuro Hiatus 00:41:19 Dooby and Streamer Burnout 00:48:17 Immy Bisou's Charity 00:50:20 HoloID Dresses 00:52:23 Coni Confetti in Space 00:54:31 Akugaki Koa new Outfit 00:55:08 Alicja is Back 00:55:49 Kiara Spring Concert 00:58:39 Suisei Gundam ED 01:00:38 Moona's Lasting Freedom 01:01:36 Moona's Charade 01:03:07 Kanata, Lami, Azki, Ayame covered Let's All Be Together 01:04:19 Kronii and Mumei covered Donut Hole 01:06:17 HoloID covered Roman Picisan 01:07:19 Phase Connect covered Sing 01:10:05 Ala's Moo Moo Move 01:17:09 Gura, Raora, Kronii, and Kiara played REPO 01:23:54 Clara's Education Stream 01:26:43 Shibi's Wolf Roleplay 01:29:24 Phase Academy Spelling Bee 01:37:20 Community 01:38:52 Birfdays
Two podcasts collide as Not Even Water meets One More Chai! Fatiha El-Ghorri is joined by SMASHBengali and Gura from One More Chai to answer all your Ramadan dilemmas - from workplace drama to dating, they're sharing their advice.
Ron Gura is the co-founder and CEO of Empathy. Founded in 2020, Empathy aims to provide bereaved families with holistic support, such as emotional guidance through grief, estate settlement, benefits and probate, etc. Empathy partners with employers, life insurance, health plans, and consultants to help people who have lost loved ones through the darkest of their lives. Prior to founding Empathy, Ron was a senior executive at WeWork and eBay, and founded The Gifts Project, a social e-commerce platform for group gifting.In this episode, you will hear about:What does Empathy do and why need Empathy?What inspired Ron to build Empathy? Before Empathy: The Journey with The Gifts Project.Ron's advice to the young generation?
Check out Carlos' shop! https://otamerch.shop/ Each week we aim to bring together the biggest events in Vtubing and talk about what's been going on. Stop by, hang out, and let's catch up with us! Join this discord : https://discord.gg/wFMcTGHWGJ Follow here for updates: https://twitter.com/SuperChatsPod Shorts over here: https://www.tiktok.com/@superchatspod 00:00:00 Intro 00:05:47 Amalee Joined VShojo! 00:11:38 Chloe Graduated 00:22:01 Sajam Slam 00:32:02 Hololive One Piece Openings 00:34:04 Gura's New Outfit 00:42:40 Holo Armis New Outfits 00:52:11 Holo News Bits 00:54:08 Miko's Humidifier 00:56:05 More News Bits 01:00:44 Ban News 01:02:17 Kam Feet 01:02:36 Music 01:13:18 Holo Myth Liar's Bar 01:16:55 Kiara's Doom Adventure 01:20:05 Pippa Food Yap 01:21:15 Alicja Update 01:22:23 Liar's Bar Continues 01:24:16 Ekkomori Debuting Soon 01:25:36 Gigi Project Sekai 01:29:38 Aono Shikishima LoL 01:30:46 Shinri's Exaggerated Reading 01:33:05 Ruby Runheart Cursed Digicam 01:41:59 Other Things Nick Watched 01:43:39 Jelly Hoshiumi's Birthday 01:46:04 Immy and Rebbi Give You a Labotomy 01:46:53 Community and Shilling 01:52:02 Birfdays
Cele mai importante știri ale zilei, alese de Recorder și grupate într-un newsletter audio. În fiecare seară, de luni până vineri.
In this week's episode, we are speaking with Dr. Katherine Gura, a research scientist at Colorado State University and a leader in raptor research and conservation, with a specific focus on Great Grey Owls. Katherine also has a background in wildlife ecology and is a long standing team member at the Teton Raptor Center working with raptors to better understand their needs in a time of changing climates and habitat loss. If you've ever heard the call of an owl, in the dark, under a full moon and gotten full body chills, you will know why we loved this conversation so much. And if you haven't, take a listen because we offer you that experience today. Katherine takes us into the habitat of the Great Grey Owl and sits with us as she explains why they are so exceptional, wise, and captivating. And we left this space understanding why this incredible raptor is a wildlife treasure, and what they offer not only their ecosystem, but what they mean to us and why we should value them and fight for their conservation. Thanks so much to Katherine for taking us into the world of the magical Great Grey Owl. An owl with a call that will echo through your soul. Lots of Love. Episode Time Stamps: Introduction: 00:53 Interview: 6:24 TA: 1:03:42 Show Note Links: https://tetonraptorcenter.square.site/product/phantom-of-the-north/49?cs=true&cst=custom https://www.allaboutbirds.org/guide/Great_Gray_Owl/overview https://www.cira.colostate.edu/staff/gura-katherine/ https://tetonraptorcenter.org/wild-women-of-wildlife-features-trcs-katherine-gura/
MATEI 75. Banii din gura peștelui
Bruno Retailleau et Didier Migaud étaient attendus à Marseille pour dévoiler le plan du gouvernement contre le narcotrafic. Pour en parler, Joseph Ségura, maire (LR) de Saint-Laurent-du-Var et président délégué de la Métropole Nice Côte d'Azur. Saint-Laurent-du-Var est une commune concernée. Ecoutez L'invité de RTL Midi avec Eric Brunet et Céline Landreau du 08 novembre 2024.
Bruno Retailleau et Didier Migaud étaient attendus à Marseille pour dévoiler le plan du gouvernement contre le narcotrafic. Pour en parler, Joseph Ségura, maire (LR) de Saint-Laurent-du-Var et président délégué de la Métropole Nice Côte d'Azur. Saint-Laurent-du-Var est une commune concernée. Ecoutez L'invité de RTL Midi avec Eric Brunet et Céline Landreau du 08 novembre 2024.
TRECEREA DE LA EȘEC LA IZBÂNDĂ (4) „Gura ne era plină de strigăte de bucurie şi limba, de cântări de veselie...” (Psalmul 126:2)
Šta nekoga motiviše da se otisne na put fizičkih eksperimenata? Kako izgleda baviti se fizikom u Bosni i Hercegovini, a kako na Zapadu? Ovo zna Farah Basarić, mlada eksperimentalna fizičarka koju je želja da razumije više i strast dovela od Sarajeva do njemačkog istraživačkog centra u Aachenu. Ovo nije priča o naučnim otkrićima, već o onima koji svakodnevno rade u sjeni inovacija. Slušajte u Glasom mladih: priču o mladoj ženi, putu koji je vodio od školovanja u Bosni i Hercegovini do centra u kojem su radili nobelovci.
Holy cow the EN content is amazing this week. Gura got her 2.0, Enigmatic Recollection was amazing, and we've even got new music to talk about. (plus some 3D lives oh no) Here we go, another great week of vtubing! Each week we aim to bring together the biggest events in Vtubing and talk about what's been going on. Stop by, hang out, and let's catch up with us! Join this discord : https://discord.gg/wFMcTGHWGJ Follow here for updates: https://twitter.com/SuperChatsPod Shorts over here: https://www.tiktok.com/@superchatspod 00:00:00 Intro 00:00:33 Gura 2.0 00:09:41 HoloEN Myth Anniversary 00:14:12 Enigmatic Recollection; The Story 00:51:51 Ray of Jewelry 00:57:05 Reine 3D Live 01:05:31 Phase Summer 2024 01:13:28 Kilia Kurayami's Graduation 01:19:09 Youtube DMCA Continues to Fail 01:31:31 Hololive Advent Hologras 01:33:17 Mori Calliope New Outfit 01:35:36 Haachama's New Outfit 01:38:25 Hololive ReGloss 1 Year Anniversary 01:39:53 Immy Bisou Celebration and Incident 01:44:36 Briatcookiebox New Model Soon? 01:47:01 Ironmouse New Subathon 01:47:49 D.K. Graves Horror Event 01:48:36 Midnight Grand Orchestra Allegro 01:49:25 Hajime's Bancho Brainrot 01:50:56 Ririka's First Original MV 01:51:40 Calliope Mori Go Getters MV 01:56:13 ReGloss Feeling Graduation MV 01:57:52 Phase Connect Summers MVs 01:58:55 Kaminari Clara Darkness Karaoke 01:59:54 Rem Kanashibari Played Chuxie 02:01:39 Mono Monet DJ 02:02:38 Banzoin Hakka is What? 02:03:08 Community Comments 02:03:42 Nick Gets Destroyed 02:11:48 Carlos' Big Announcement 02:14:07 Extra Life Charity Coming Soon 02:15:30 More Shilling 02:16:40 Birthdays
みなさんこんにちは、かなこです！今日のシャドーイングは「(name)という(item)」です。今回のPodcastは、デニスさんの提供でお送りします。 Hi everyone, it's Kanako. Today's shadowing is “(item) called (name)”. When you want to talk about a person or a thing, it goes by a certain name, but if you believe the person you are talking to is not familiar with it, you can use this form. For instance, if you want to ask someone if they know the food called “poutine”, you can ask “プーティンという食べ物を知っていますか。” Before we get started, I want to thank Denis for supporting my show. ありがとうございます! それでは はじめていきましょう！ Let's get started！ ***************************************************** ▼Subscribe to my YouTube channel https://bit.ly/KANAKOYOUTUBE ▼Buy me a coffee https://bit.ly/KANAKO-Coffee ▼Get your Genki 2 textbook https://amzn.to/3VIRHKP ***************************************************** I went to a cafe called "Fika". 「フィカ」というカフェに行きました。 I went to a restaurant called "Sakuraya."「桜屋」というレストランに行きました。 I like a sushi restaurant called "Sushi Zammai." 「すしざんまい」というすし屋が好きです。 Do you know the book called "Guri to Gura"? 「ぐりとぐら」という本を知っていますか。 Have you ever eaten food called "Hitsumabushi"? 「ひつまぶし」という食べ物を食べたことがありますか。 I used to live in a town called "Kameido." 「亀戸」という町に住んでいました。 Do you know the drink called "Ramune?" 「ラムネ」という飲み物を知っていますか。 Do you know the café called "Doutor"? 「ドトール」というカフェを知っていますか。 I went to a town called "Cayo Coco." 「カヨココ」という町に行きました。 Have you ever had a tea called “Hojicha”? 「ほうじ茶」というお茶を飲んだことがありますか。 Do you know the food called "Oyakodon"? 「親子丼」という食べ物を知っていますか。 I often go to a supermarket called “Seijo Ishii.” 「成城石井」というスーパーによく行きます。 ***************************************************** では もういちど、さいしょから ぜんぶ いってみましょう。 Let's try shadowing the whole thing again from the beginning.
The biggest news for us this weeks is that the talents of Socks Vtubing Agency are all now available for simping! I mean viewing. Both. Whatever. So let's go over the debuts and talk about what's cool about them! After that I'm afraid we have to detour through bad news town for a bit because there's been a few troubling things that've happened over the past week. We also go over the new music and all the little news bits out there too. Stop by for a bit! Each week we aim to bring together the biggest events in Vtubing and talk about what's been going on. Stop by, hang out, and let's catch up with us! Join this discord : https://discord.gg/wFMcTGHWGJ Follow here for updates: https://twitter.com/SuperChatsPod Shorts over here: https://www.tiktok.com/@superchatspod 00:00:00 Intro 00:00:24 Socks Vtubing Agency 00:09:53 Snoozychu 00:20:34 Inis 00:33:42 Camizole Corzette 00:49:59 Socks Merch 00:54:58 Hizaki Gamma was Terminated from Holostars 01:01:44 Marine's New Outfit 01:03:06 Matsuri's New Outfit 01:03:59 Korone is a Honda Gran Turismo 7 Ambassador 01:05:40 PrisciTV's 2nd Anniversary 01:06:45 Gura hit 4.5 Million Subs 01:07:58 Kanata Slowing Stream Content 01:08:49 Nene on Hiatus 01:09:33 Remi's Medical Troubles 01:11:10 Airi's Luck Continues 01:14:27 Roca Lost Her Luggage 01:15:05 Idol's Payment Issues 01:22:15 Shondo Got Banned on Her Birthday 01:26:18 AmeSame Spelling Bee 01:28:46 Marine's 3D Live will be on the 30th 01:30:15 Professor Lando's Becoming a PNG 01:31:37 New Brave Group Incoming 01:33:45 Some New Merch We Got 01:36:52 AZKi's Map in a Cup 01:37:43 Miko's DIEDIEDIE Fantastista 01:38:13 Suisei's cover of Shanti 01:38:56 Kanade and Ririka covered Absolute Absolute Sanctuary 01:40:19 Advent's English Our Bright Parade 01:40:53 Okayu covered Rabbit Hole 01:41:35 Kilia's cover of Take On Me 01:43:38 HoloEN Civil War 01:54:47 Clara's One-Man Production of Grease 01:57:16 Stronny's Educational Stream 02:06:16 Kilia's Back! 02:06:56 Ambrose played Watch Dogs 02:08:09 Alicja did a Rigging Stream 02:10:43 Some things Kam watched 02:11:39 Community and Shilling 02:14:36 Birfdays 02:15:50 Secret After Credits - Icey's DJ Stream
Check out Fonn's shop! https://www.etsy.com/shop/LaserCryptidLabs That's right! This past weekend was Hololive Night at Dodger's Stadium! It was also Anime Expo so we check in with some cool announcements there! VSPO's English branch is out now too so we check in with them while we're at it. Of course we go over Holo Promise's monentization streams while we're at it. We also snoop into the Filian events of the week and chat about all the new music plus our favorite streams from the week! Each week we aim to bring together the biggest events in Vtubing and talk about what's been going on. Stop by, hang out, and let's catch up with us! Join this discord : https://discord.gg/wFMcTGHWGJ Follow here for updates: https://twitter.com/SuperChatsPod Shorts over here: https://www.tiktok.com/@superchatspod 00:00:00 Intro 00:00:37 Hololive Night at Dodger's Stadium 00:15:53 We got a new sign, thanks Fonn! 00:17:37 Suisei on NTV's Music Day 00:21:42 Hololive Justice is now Monetized 00:39:55 VSPO EN Debuts 00:40:51 Remia Aotsuki 00:45:35 Arya Kuroha 00:50:19 Jira Jisaki 00:57:10 Anime Expo Wrap-up 01:02:24 The Filian Model Thing 01:18:09 Vshojo Auditions Open 01:19:02 Who wrote the Deer manga? 01:19:43 Haachama's New Outfit 01:21:14 Roboco's trip to the hospital 01:21:46 Roca broke her leg 01:22:26 Shabel Tonya had her phone stolen 01:22:53 Rin Penrose Returns 01:23:59 Kilia's on break 01:24:28 Mozzu's Moving 01:26:24 Ina's on break 01:26:58 I went on the internet and found this... 01:32:17 Nero-sama Plushi Rerun 01:33:05 We watched the new Vtuber anime 01:36:05 Koyori will soon have a new outfit 01:36:28 Flare's original song "Scrap and Build" 01:37:14 Risu covered Rabbit Hole 01:38:45 Shiori covered Zero Talking 01:39:38 Ina covered Sweet Magic 01:40:29 Noel covered Butasandar 01:41:00 Mio covered God-ish 01:41:34 Subaru covered In Case You're Going to Jump 01:42:44 Nene covered Fake Meme 01:43:05 Nasa covered Hau 01:45:15 HoloEN Crab Game Collab 01:50:44 Fauna's Dungeon 01:51:39 Raora Drew 100 Chattini 01:53:47 Kilia and Pillowdear on the VSMP server 01:56:44 Alicja chatted from bed 01:57:29 People are playing Chained Together 02:00:03 Shiina's Birthday stream 02:04:44 Kiara's Birthday streams 02:06:27 Community and Shilling 02:11:02 Birfdays
WELL IT HAPPENED. JUSTICE HAS BEEN RELEASED! And we're well excited about it. SO excited that we spent a loooong time talking about this week. Not be missed though is that Gawr Gura had a birfday! And so did Phase Connect as a company! Oh, and about a dozen other cool things happened or are coming up. Let's catch up on all that, talk about new music, and what streams we loved this last week! Each week we aim to bring together the biggest events in Vtubing and talk about what's been going on. Stop by, hang out, and let's catch up with us! Join this discord : https://discord.gg/wFMcTGHWGJ Follow here for updates: https://twitter.com/SuperChatsPod Shorts over here: https://www.tiktok.com/@superchatspod 00:00:00 Intro 00:01:47 Hololive Justice is Here 00:04:59 Elizabeth Rose Bloodflame 00:25:05 Gigi Murin 00:41:48 Cecilia Immergreen 00:59:50 Raora Panthera 01:21:11 Happy Birthday Gura! 01:24:20 Gura Loli God Requiem 01:28:51 Phase Connect 3 Years of Sad Girls 01:31:12 Phase Connect Original Song 01:37:09 Degen Box Opening 01:43:06 Korone x Shadow Collab 01:43:16 Dokibird New Skin Suit 01:45:02 Himemori Luna New Outfit 01:45:18 VAllure Monetization 01:45:48 Alias Anono Celebration 01:45:59 Michi and Jurard Celebrations 01:46:28 Yagoo's Hilarious Ad 01:47:36 Goodsmile x Hololive 01:49:20 Hololive Dodgers Hilarity 01:49:42 Sock's Vtuber Update 01:50:03 Gura x Fake Type 01:50:36 Sora x AZKi New Cover 01:50:50 Aqua New MV 01:51:31 Crimzon Ruze the Edgelord 01:52:16 Lamy, Kanata, AZKi Loveit? 01:52:29 Uruka covers Palette 01:53:08 Rie Bibbideba 01:53:43 Gamersupps Shylily Callout 01:55:31 Tenma's Hilarious Stream 01:57:54 Shiina Made Lasagna 01:59:55 Vinny and Friends with Matara and Laimu 02:02:42 Nick rambles about too many things here 02:05:56 Community and Shilling 02:12:37 Birfdays
Loooots of showcases this week folks. Let's chat about all the 3D goodness we got, the new music we heard, and the fantastic streams we managed to catch along the way! Each week we aim to bring together the biggest events in Vtubing and talk about what's been going on. Stop by, hang out, and let's catch up with us! Join this discord : https://discord.gg/wFMcTGHWGJ Follow here for updates: https://twitter.com/SuperChatsPod Shorts over here: https://www.tiktok.com/@superchatspod 00:00:00 Intro 00:02:36 Gavis Bettel's 3D Live 00:12:21 Machina x Flayon 3D 00:20:01 Banzoin Hakka 3D 00:27:58 Watame 3D Live 00:39:18 Hololive Returns to Bilibili? 00:43:49 Abi Kadabura Graduation 00:46:22 Rikka Hiatus 00:47:20 Phase Connect is Sick 00:50:51 K9Kuro is Injured 00:52:34 Mio (Hololive) is Doing Better 00:53:01 GX Aura Birthday 00:55:08 Choco New Outfit 00:55:59 Kiara New Outfit 01:01:45 Momo Otako Returning Soon? 01:03:27 Phase Connect Auditions Now Open 01:06:31 Vallure Updates 01:11:34 Breaking Dimensions - HoloEN Concert 2 Announced 01:16:30 Hololive World Tour! 01:19:45 Merch updates 01:25:15 Lui's New Song "Evil Eye Wink" 01:26:13 Iroha's New Song "Looking up at the wind and looking beatiful" 01:27:11 Kanata and Chloe covered "Rabbit Hole" 01:28:39 Regloss cover of "Vaundy" 01:29:27 Azki covered Kyu-kururin 01:30:01 Nene covered "Telecaster B-Boy" 01:31:28 Mareena and Airi covered "Getcha" 01:32:08 Leona covered "Shanti" 01:32:53 Henya covered "The Lazy Song" 01:34:24 Bijou played Paper Mario 01:35:50 Gura and Ame played Mario Party 01:39:41 Panko played Silent Hill 2 01:48:06 Nene Amano's Eldin Ring Challenge Run 01:51:51 Mozzu used TTS 01:52:58 Anyatori Video 01:53:11 Shubawu Pop Tarrrrrt 01:53:38 Bri watched the Xbox Showcase 01:54:21 Plate Up! Hololive Collab 01:55:12 Ollie and Michi collab'd 01:56:02 Community and Shilling for Ourselves 02:00:35 Birfdays
Muzica nu e ceva material. La bază este o vibraţie. Urechea noastră o captează şi o transformă într-o notă. O notă, ca şi o particulă în fizică, e ceva care poate fi localizat în spaţiu şi în timp. Dar muzica, în esenţa ei, nu este despre note. Muzica este tăcerea dintre note care vibrează în noi şi se transformă în ceva pe care noi îl auzim. E un ceva care te înalta, traversează cerurile şi te duce în adâncul universului care este adâncul ascuns în tine. Muzica este cea mai evoluată formă a fizicii care învinge gravitaţia şi te poate duce instant în orice colţ al universului trecut şi viitor.Valérie Ciolos-Villemin cu asta se ocupă, cu muzica. Da, cântă şi aşa se conectează cu ea şi cu restul lumii. A făcut-o în multe feluri şi viaţa a dus-o pe această franţuzoaică îndrăgostită de România până în vârful munţilor Carpaţi, la Măgura Branului, unde organizează în fiecare an un festival al muzicii, al portului şi al obiceiurilor tradiţionale româneşti.Nu este singură în aventura asta spirituală. E însoţită de o actriţă : Angela Amecke, fondatoare a şcolii de cultură şi tradiţii arhaice din zona Râsnov-Brasov. La Măgura Branului aceste două femei organizează unul dintre cele mai interesante şi neştiute festivaluri din România : Festivalul de Artă Sacră Măgura. Am zis bine, neştiut, şi mă bucur că aflaţi de el aici, la emisiunea « Noi venim din viitor ». Pentru că aceste două femei-înger de acolo vin, din viitorul României la care noi visăm. Mai multe despre ele şi proiectele lor puteţi afla la adresa : festivalmagura.roAceastă emisiune este în limba franceză.
1978 ALCS - October 3rd - 7th, 1978 For the third straight season, the Kansas City Royals (92 - 70) and the New York Yankees (100 - 63) will battle for the American League pennant. The previous two series were classics, with the Yanks pulling through in the ninth inning of winner-take-all game fives. For the Royals, they are hoping that the third time will be the charm. Their offensive machine kept rolling, with strong performances by stalwart George Brett, reliable Darrell Porter, and a return to form from Amos Otis. The starting pitching continued to be solid, led by Leonard, Splittorff, and Gura, but perhaps the most significant addition was to the bullpen (which had struggled in previous playoffs). The ‘Mad Hungarian', Al Hrabosky, has been outstanding in late innings, and the fans have certainly appreciated his showmanship. Manager Whitey Herzog will need his lefty reliever to combat the big left-handed bats of New York. The final three games of this series will be in New York, but the Yankees will be at a slight pitching disadvantage to start, since ace Ron Guidry won't be available until game four. Rookie Jim Beattie will get the game one start for the Yankees, and the Royals will turn to back-to back 20 game winner Dennis Leonard. Manager Bob Lemon will need some innings from the young righty. If the Yankees can steal one in Kansas City, they will be in position to take the series when it gets back to New York. Audio clips from joeydbball on Youtube (links below) ABC broadcast with Keith Jackson, Howard Cosell, and Jim Palmer WPIX Broadcast with Frank Messer, Phil Rizzuto, and Bill White Game 1: KCR RHP Dennis Leonard (21 - 17 3.33 ERA 294 IP) vs. NYY RHP Jim Beattie (6 - 9 3.73 ERA 128 IP) Game 2: KCR LHP Larry Gura (16 - 4 2.72 ERA 221 IP) vs. NYY RHP Ed Figueroa (20 - 9 2.99 ERA 253 IP) Game 3: NYY RHP Jim 'Catfish' Hunter (12 - 6 3.58 ERA 118 IP) vs. KCR LHP Paul Splittorff (19 - 13 3.40 ERA 262 IP) Game 4: NYY LHP Ron Guidry (25 - 3 1.74 ERA 273 IP) vs. KCR RHP Dennis Leonard As always, shout out to Baseball Reference and SABR for statistics, box scores, background information, and much, much more. Catch you next time, P.C.O.
Summary Ron Gura, the co-founder and CEO of Empathy joins us today on our show. Empathy aims to provide support and guidance to individuals who have lost a loved one, helping them navigate the administrative and emotional aspects of the process. He shares his personal journey and the inspiration behind starting Empathy. The conversation delves into the workflow and touchpoints of Empathy's services, the co-branded experience for carriers and producers, and the impact of Empathy's services on claimants. The episode concludes with a discussion on breaking the taboo around death and the value of experience over product in the insurance industry. Takeaways Empathy is a company that provides support and guidance to individuals who have lost a loved one, helping them navigate the administrative and emotional aspects of the process. The taboo around death and loss needs to be broken, and conversations about mortality and end-of-life planning should be encouraged. Empathy offers a co-branded experience for carriers and producers, allowing them to provide personalized support and resources to their policyholders and beneficiaries. Having conversations about death and end-of-life planning is essential, and individuals should take the time to discuss their wishes and make necessary arrangements with their loved ones. Experience and support are more important than the product itself in the insurance industry, and companies should focus on delivering a positive customer experience throughout the claims process. Chapters 00:00 Introduction and Weather Update 01:03 The Importance of Life Insurance Claims 02:07 Introduction of Guest: Ron Gura, Co-founder and CEO at Empathy 03:06 The Taboo Topic of Death and Empathy's Mission 04:12 Ron Gura's Background and Journey to Empathy 06:26 The Impact of Personal Loss on Ron Gura's Mission 08:25 The Need for Conversations About Loss and Death 10:04 The Workflow and Touchpoints of Empathy's Services 11:25 The Co-branded Experience for Carriers and Agents 13:26 The Administrative Support Provided by Empathy 15:44 The Impact of Empathy's Services on Claimants 17:44 The Logistics and Timing of Introducing Further Business Relationships 19:02 The Importance of Breaking the Taboo Around Death 23:20 The Value of Experience Over Product in the Insurance Industry 31:10 The Right Time and Approach to Introduce Further Business Relationships 35:12 Closing Thoughts and Advice on Having Conversations About Death 38:33 Conclusion and Call to Action Paul Tyler (00:03.303) Hi, this is Paul Tyler and welcome to another episode of That Annuity Show. Bruno, how are you? Good. Coming in clear from Canada. This is great today. Yeah. Tisa, how are you? Bruno Caron (00:09.152) I'm very good, thank you Paul. Bruno Caron (00:13.94) Always happy to be here. Tisa Rabun-Marshall (00:18.474) We've got snow here in the Connecticut area, but snow day, but doing good. Paul Tyler (00:22.459) Indeed, indeed we do. Ramsey, it's the first time it snowed in forever. You missed it. Ramsey Smith (00:27.473) Yeah, I think we sent it your way. It was raining like crazy here for a couple days, but now the sun's just coming out, so yeah, you're welcome. Paul Tyler (00:34.003) All right, well good. Hey listen, we got a really interesting episode with a great guest today, just to sort of connect the dots with some of our previous shows. What's the most important thing about life insurance? It's gotta be claims, right? That's at the end of the day, what we're doing is paying checks or income payments or death claims and there's no more sort of fundamental purpose in our business, yet it's a hard one to, it's hard to do right. You know, TISA, we've had a couple of conversations, right, with people who've explained how it can be disruptive in terms of cross-generational relationships, right? Yeah, so today we have somebody who's actually trying to fix that. It's Ron Gura. Ron, I hope I pronounced your name correctly, co-founder and CEO at Empathy. Thank you so much for joining us today. Tisa Rabun-Marshall (01:11.073) Absolutely. Yeah. Ron Gura (01:26.154) great to be here. I always dreamed about being on a podcast with the word nudity and now I'm... look at my eye. I made it. Tisa Rabun-Marshall (01:34.967) Hahaha Ramsey Smith (01:35.961) Oh dude, all right. Bruno Caron (01:36.) Today's your day. Paul Tyler (01:37.441) Today it is, you know. SEO is going to go through the rough. SEO will go through the rough here. Tisa Rabun-Marshall (01:40.098) Dreams come true. Ron Gura (01:43.682) Absolutely. I'm excited to be here and eventually talk about just that, that big moment of truth. That's what a claim really is, right? It's a premise. It's more than just financial peace of mind. What else happens? So that's where we come in and excited to talk about that and what's happening in life insurance. Paul Tyler (01:52.697) Yeah. Paul Tyler (02:07.375) Yeah, well this is great. So, well first off, tell people like, you know, what is empathy and what does your company do? Ron Gura (02:14.102) Sure thing. So empathy is primarily the friend you wish you had when you lose a loved one. That's how I'd love people to really think about it. It's not just a friend, it's that knowledgeable neighbor that happens to be an ex-state lawyer, but now maybe also a social worker. And it's really, really experienced with... winding down the affairs of a loved one, but also helping you get back on your feet again. That's really what we're trying to do here, save people, families, time and money and stress when the inevitable happens. As you know, Paul better than most, it happens. It doesn't escape any of us. It's the inescapable truth, but at the same time, it's the single largest consumer sector that is, for some reason, untouched. Untouched by innovation. untouched by technology, unspoiled by software really. And I think we can all agree the reason it's untouched is not some regulatory barrier or technology barrier. It's just us, us here on the call as humans, trying really hard, so hard, not to think about us, not to contemplate our own self-mortality. And we believe here at Empathy that like any other taboo topic, this one should be broken down as well. And if we put the right technology in place with the right amount of human touch, we can really change the market and empower people during what we believe is life's most challenging moments. Ramsey Smith (03:55.041) So tell us a little bit about your journey. You've touched a lot of different areas, the innovation space, various startups. Tell us about how that journey informs your approach to empathy. Ron Gura (04:12.642) So yeah, I'm a consumer internet person. I'm not a life insurance expert. I play my ignorance for what it's worth and get to be the outsider in a lot of meetings asking funky questions like, hey, didn't that claimant beneficiary who just called you, he's not a good lead. Like, isn't that an adult child, stranger, who's not your customer? calling you, giving you all of his information, all of his data, chasing you again, giving you more data, telling you he's at need, need money, money you know you have, money you know he's gonna get in a few weeks, big liquidity event, bigger than probably any other big event he's gonna have. And what are you going to do? Like you're going to do what? You're going to send him the check and do more Superbowl ads? The guy's right here. So a glass of wine as you wait for your table is really how I look at this from an outsider view. Like, what's going on? Isn't this weird that the only industry within insurance where the beneficiary is not the policyholder, technically, is not, people don't think about it. Of course, if a PNC claim, that's a renewal moment. Like someone's gonna give you really good service. And don't get me wrong, paying effectively and accurately and with sympathies is good service. And a lot of carriers, I think have their... They wear their heart on their sleeves and they're trying to do good in this neutral negative event. But long story short, it's not enough. From a background standpoint, that's me. I'm a consumer intent person. I've been going in and out from startups that usually I get to start myself as a naive person. I get to wear my pink rose glasses all the time. Ron Gura (06:26.278) And in and out from bigger companies, I had the chance to have meaningful executive roles at eBay and PayPal and WeWork, and always very much focused on the product and the consumer. In terms of what led me to this, I think, well, nobody starts an end-of-life company without having their fair share of loss. I had my fair share of loss, definitely. I can share with you that... while probably not the final trigger, definitely the earliest one was losing my brother at an early age, Amir, that completely changed family dynamics. My single mom with three opinionated, well, playful boys, over energetic Israeli boys, who... Ron Gura (07:28.274) grew up in Haifa, north of Israel. And my brother, Amir, my middle brother, was diagnosed with a very severe and aggressive type of cancer. And after he passed away, I vividly remember one Saturday morning, my mom literally taking a lock, key and locking his door, which remained locked for the next 15 years. and was a very vivid and clear representation and reminder of what happened. And also how we're shutting it down, not to be talked about in many ways. With no complaints on my mom's side here, but... It's the first time I understood nobody wants to talk about loss. Well, kids usually get up from watching Lion King for the first time. Bruno Caron (08:25.584) Thanks for watching! Ramsey Smith (08:26.587) Mm-hmm. Ron Gura (08:26.947) and kind of losing their faith in humanity, lions and uncles at the same time. But they have a lot of questions. Kids, I got two daughters myself now, Tom and Danny, and nine and six years old. They ask a lot of questions and sometimes after Disney movies, they do ask me questions about mortality and life and death and they kind of move on. But I didn't. I made my mom's life very difficult. I've been asking questions again and again and again. And then I had more loss, friends, colleagues, natural loss, even friends from the army. But it was actually only after eBay acquired my first startup, the GIFS project, and I was a young product director at eBay, one of my employees lost his wife to cancer. and I showed up in an apartment in Milpitas, San Jose. Knowing that I don't know what to expect, knowing that it's going to be very different than my community, my religion, my experience, but didn't know how different. He was by himself with a suit, shaved, doing probate paperwork, asking me about when do I need him back. That was really a big aha moment for me. That was when I took my black notebook and said, oh. That's weird. Like, why don't we have anything for this? Like we need headspace for grief, but we really need toolable tax for a state settlement. And we kind of need both. And we kind of can't decouple the two. Grief is made hard by logistics. Logistics are made harder by grief. And I don't get the luxury of choosing one of them and say, I'll do a FinTech product that is only pre-filling your probate stuff. That's... Ron Gura (10:33.142) It's not going to be something people want to talk about or use such an emotional period. So long story short, three and a half years ago, my co-founder and I, Jan, we started Empathy. We're now 80 people between New York headquarters and Tel Aviv R&D Center. We have $48 million in venture capital from 2.1 folks like General Catalyst, Alif, Entree, and others. We work with MetLife, New York Life, Guardian, many other, dozens of other carriers, dozens of big employers, progressive employers who want to show up for their teams. And what I think we're doing more than anything else is putting a spotlight on this taboo topic and creating hopefully a very empowering workflow of continuity of care. Paul Tyler (11:25.115) Maybe talk to us a little bit about the workflow. You know, we have people who listen who are, some people on the group side, we've got some people on the individual side, of course, we always look at it from our own lens, right? At the end of the day, it's a person. Stuff for the loss is getting checked. Maybe talk about the customers on either end. Like if I'm a, you know, I've got an employee and I've had a policy, or I guess my loved one was an employee and I've got a policy check or I'm a beneficiary. How does that workflow? Ron Gura (11:36.75) Mm-hmm. Paul Tyler (11:54.515) feel to a person who's a beneficiary. Ron Gura (11:58.478) So the tiny differences. The differences would mostly be on the touch points. We do a no-code, simple implementation. We learned the hard way that the one thing that is more expensive to carriers than money is IT resources. I think that's a big lesson for us. And since we got that, we shifted to a no-code implementation and added more than 14 carriers in 14 months. And that was a big aha moment for us and what drove a lot of our Forex growth in 2023. We add a few multifaceted simple touch points. For example, the script on that call, sorry for a loss, but we're not going anywhere. That insert on the brochure on the snail mail with the QR code, hey, if you need anything at all, scan this. Email that says, number one, we got your claim. Number two, you're eligible for 24-7, bereavement care. So these simple touch points didn't require any data transfer. We don't need to know the social security. We don't need to know the face value. We don't want to know if Ms. Jones was rich or poor. We want to democratize access for grief in the state administration. So when you think about group and individual, it's just those touch points that are slightly different. the bereaved next of kin, who cares? Like they're dealing with so much, who cares if they got the policy from, you know, New York Life GBS or New York Life individual. It's group or individual, you still have probate, funeral, grief, sleep support, mood tracking, social security, IRA, deactivation of social media, deactivation of accounts, banks. selling the property, fighting with your sister, doing a state tax, thinking about identity theft, and you know, just 50 other topics from veteran administration all the way to IRAs. So when someone passes away, it's overwhelming. We publish every January the cost of dying report to create more awareness. Ron Gura (14:23.026) on the full implications on us as individuals and as a society for the employer cost, the financial cost, the emotional cost. You can see that on empathy.com. And it's 50 pages of infographics that are basically showing us it's more than a year of work to wind down the affairs of a loved one on average. It's more than 400 hours of direct work. Of course, from a group standpoint. Of course your employee has a second job, he can't bring his whole self back to work. Of course from an individualized standpoint, that glass of wine as you wait for your table makes a lot of sense when you are thinking about generational loyalty and asset retention and NPS because what other moment of truth do you have that is bigger than someone calling in and saying, I lost a loved one? Where is my money? Of course, of course you need to have the money ready. That's the 90%. I, life insurance is still about financial protection, but people expect much more and we hope they will. I hope they will continue to expect much more. Right now, one out of seven claimants in the U S is getting more from empathy. Ramsey Smith (15:44.821) So is it, is the solution, I don't want to call it a product, because that doesn't give it the right name, but the experience, let's call it the experience. Is it branded according to the carriers? Is it branded as empathy? So is it white label or is it, are the carriers able to carry their own brand? Ron Gura (16:05.462) So it's both. It's a co-branded experience. Just give you a quick example if you're already on video. So I'm going to pop my Empathy app. And one of our carriers is going to pop as a covered by. And then inside the experience, you're going to have both the digital app. You're going to have your care team service element 24-7, especially social workers and more that are available for discussion. Ramsey Smith (16:21.344) Yep. Ron Gura (16:35.106) You're going to have other places where you understand this is coming from this carrier specifically. And can even create a lead back to them at the right time in the least intrusive way possible. The exact opposite from an agent calling after the loss and say, hey, what about you? This is actually about first thing and first thing first, cementing. trust in showing up. First let me save you some time in money and stress. First, let me offer you a glass of wine. Then let's check what's going on with the table. First, make sure that you got what you need right now. If that's funeral comparison, if that's estate tax, if that's cleaning the property. Whatever advice or support you need, you got it. Then when you're ready to talk about your financial legacy, your family. Of course, the same carrier that sent you to empathy would love to continue that conversation with you. And why not? Ramsey Smith (17:44.737) So how much of the logistics? So there's the, obviously there's the, there's a psychological element of it, but of all the long list of logistical hurdles you have to go through that you mentioned before, how many of those are you providing sort of specific intervention on to make those steps easier? Ron Gura (18:03.638) I'd say it's half of what we do. We do the filing for petition for probate. We do the preparing for the house for vacancy. We close and deactivate accounts and cancel subscription. We give you a dedicated personal care plan that is personalized for you, Arizona or New Jersey, five siblings or none, Jewish or Muslim, executor or not. We help with the eulogy, with the obituary, the funeral, the debts, the notifications of loss, the social security, the IRAs, the purchasing of a headstone all the way to the bonds, the credit bureaus. So it's a long list of tens of items in the administrative side, probably hundred something items that you need help with. Every one of them could be quickly five other items. So we don't just tell you what to do. We actually do it for you and with you. Ramsey Smith (19:01.417) Got it. Paul Tyler (19:02.131) Tisa, could you have used this? Tisa Rabun-Marshall (19:05.874) Yes, so I experienced a significant loss in August of 2021. As a middle-aged adult, it was my first major loss, so I'm grateful for that. But because it was my first major loss, it was a long process. So I think it took two and a half years. We just closed probate. We just did. I don't know, what's this? This is February. Maybe it was right before Christmas. So as I'm listening to you speak, Ron, I'm thinking through all of it feels very real. I guess I have a couple of follow-up questions. One of my questions was, I heard you say bereavement care, I think is what you said. So I wanted to dig into a little bit of the services under that umbrella, but I think you probably just spoke about that a little bit. I guess I'm curious looking at the mobile app that you showed that is claimant or beneficiary focused. What are the resources or what is the version of that app, if any, look like for the agent? What sort of support or guide or talk track are you giving to the agent so that they can handle that claim experience differently? Say the things differently, do the things differently to still cultivate the lead, but in... you know, in that way that's not intrusive, to use your word, and in a way that sort of shifts their thinking about the opportunity in that moment of truth. You could talk a little bit. Ron Gura (20:42.127) First thing, I'm sorry to hear about your loss and the process that you're going through and two and a half years in. It might feel like a lot of time to do the administration, but it's actually very normal on the executor side. Like when we're talking about 18 months average, it's... Tisa Rabun-Marshall (20:57.687) Get coming. Ron Gura (21:04.53) including a lot of folks that are not the official executor. Once you are and you're actually going through probate, two years plus is very regular in the US, unfortunately. And well, I do. Tisa Rabun-Marshall (21:17.95) In particular, when everyone lives in different states where they grew up. Don't cross the state line because that adds, you know, months, years. Ron Gura (21:26.294) that's also not very rare in the United States. And just even having one piece of property in Arizona and a motorcycle in New Jersey, that's it. You're going through a whole new fun process and we help refill that. So on your questions, first, bereavement care is really the emotional side of everything we do. So there's really just the two halves that I was mentioning before. And on the... Tisa Rabun-Marshall (21:29.689) Yeah. Ron Gura (21:55.826) emotional side, I would split it also into the product and the service. The product would be everything you would imagine a wellness app to do in 2024, but tailored for grief. So grief coaching. grief meditation, grief music, audios, podcasts, videos, thousands of articles about any topic from as small as how do I tell the kids all the way to a specific probate petition in New York City. So that would be mood tracking and sleep support. And of course, a lot of self-reflections and healing. At the same time, anything the app can do just yet, or if you need anything, 24-7 bereavement care with our care managers. That could be 2 a.m., can't fall asleep, or it could be middle of your workday when you ran out of a conference room to cry in the bathroom because you feel guilty. You call us, we take those calls. Tisa Rabun-Marshall (22:54.623) Mm-hmm. Paul Tyler (23:10.535) Wow. Well, you know, maybe... Ron Gura (23:10.826) You can chat on the app, you can talk on the phone. We're always there. You're never alone when you have empathy. Tisa Rabun-Marshall (23:11.478) Yeah, it's. Tisa Rabun-Marshall (23:18.652) That's very comprehensive. Paul Tyler (23:20.999) Yeah, it is. And, you know, just double clicking on something you said, you know, because we do have a lot of distributors and stuff on the line. You said, Oh, you kind of like insert the opportunity for an agent to actually help somebody through the financial process at the right time. I like to understand that a little more just to give you my backstory. I worked at MetLife when that was, you know, actually had a retail division, you know, it was, and we had a whole program called Delivering the Promise, which was delivering the death claim check. You know, two observations there. One is any agent who actually gets to deliver a death claim check will be an agent for life. That is a transformative experience. I think a lot of agents are selling the product. You never actually get to see the product getting used. And those who are lucky enough to actually see this, it was a huge, a huge, a huge event in their life to deliver that and see, see the product actually works. Um, now to flip that side, it was also very. competitive process because as you said, it's a massive event financially for somebody. A lot of big liquidity event, maybe one of the biggest ones they'll have in their lives. How do you do this appropriately? Now, we screened agents. This is not something you just sort of drew a number for. You had to get approved. You had to go through a coaching process. You had to learn how to do this. Talk to us about how and when do you digitally start that conversation. You know, when, to T's point, is it month, you know, I think this is horrible, month 15 or is it month 16 or is it something that happened along the way that you've, that say, okay, now's the right time to do that. Ron Gura (24:51.639) Mm-hmm. Ron Gura (25:05.486) So first thing I can tell you that while Midlife did decouple from the retail business, they still deliver on the promise and they do it on the group side. I got to know the organization very closely and the way they show up for their national accounts and employers and support the next of kin of the employees is very, very unique, very efficient and I think very comprehensive. And when that happens, it's really no different, like I said, between an individual and a group. You are still going through all of this, even if your loved one was a Nike employee or a Google employee, or never was a freelancer and never had a group life. It's still a loss of a loved one. From the agent perspective... The shortest explanation I can give in probably a good summary of everything we do here is taking a transaction and shifting into our relationship. That's really what this is about. We have this massive multi-trillion dollar industry that is intermediated, that is lacking engagement. It's kind of, you know, you have such amazing retention. relatively speaking to SaaS products, but you don't really have any meaningful engagement with the policyholder. And even on the agent side, let's take a classic agents of business, probably 200 years old, some big mutual in the US, and 10,000, 20,000 agents, whatever the number are gonna be, still 70% of the claimants are gonna be unassigned. or how the industry likes to call them, but I don't, orphans, orphan claims. 70%, that's the number. We have a pretty good umbrella view on the entire industry of seven-digit volume of claims every year. Not even the largest carriers in the United States have seven digits in claim volume. I can tell you, even if you did the absolute best job as an agent... Ron Gura (27:24.446) The chances of my dad's agent to still be in business practicing when my dad passed away, just not likely. High net worth individuals, of course, different mechanics here, different physics, people make different efforts for obvious reasons. And while we don't differentiate, the market does. And you'll see. people spend more time about generation loyalty and getting to know the son or the daughter. However, at the end of the day, agents are about top line. Agents are about my next deal. And talking to the Barret family, showing compassion, it's a part of the job, but it's not my training. It's not something... I'm uniquely positioned to do outside of the fact that I've seen it before. And my admin or myself are going to shift them to the claim center. Maybe have some extra layer of care like, Hey, how's it going? Do you need anything else? But it's there's a claim center. That's what's going to happen. What we do is we, when there's an agent involved on the 30%, we do everything around the agent. Agents are the heroes. So John Smith. is sending empathy to Mrs. Jones. and everything is coming from him. If it's automated or not, he decides, he can send something every month. Every time, hey, I see you're making some progress on the will, on the probate, do you need help with this? And provide just a series of emails that are coming branded from the agent. That's a big help for people. Ron Gura (29:21.234) And I think the industry is aligned. And when there is an agent involved, you want to go for the agent. And we have a back office for them. To your question, Tis, this is what we do. I showed you a little bit of the consumer app, of course. But there is a whole different system for agents. They can add a phone number and one click. Tisa Rabun-Marshall (29:34.151) Yeah. Ron Gura (29:41.942) They get the whole experience co-branded agent front and center. There's even a letter from the agent waiting in there. So putting the agent's front and center is, is very important. Tisa Rabun-Marshall (29:55.222) That's great. It helps them build that relationship you talked about. Ramsey Smith (29:59.285) I mean, there's so many sort of interesting time-related issues to this sort of customer journey, right? So, Paul, you talked about delivering the promise. So the first time gap is between the point of sale and the claim, which things change, maybe the agent's not in the business anymore. All right, so then you have the claim, very important point of delivering the promise, right? But everything else that you're talking about, Ron, around bereavement and settling the estate. And then at some point being ready for some further business relationship is essentially undefined, right? Ahead of time, you know, at T zero, it's undefined. And it could take months or weeks or years. And so that's a very interesting sort of part of the experience and how you manage it, how you figure out when it's time and when it's time, to whom do you send that? Who ultimately gets that lead? Does it go back to the company? Does it go back to the same agent or that agent has gone to somebody else? Like how does, what is the path for the further business relationship down the road? Ron Gura (31:10.358) So the last part is actually the easiest, right? Like the company defines if they want everyone to go to a central location, a phone, a digital form, easy to enhance and customize. It's within our three weeks implementation period. That's the easy part. But figuring out what and when to say to the beneficiary in order to put this in front of them, but not selling them. Ramsey Smith (31:13.213) Yeah. Ramsey Smith (31:18.963) Yeah. Ramsey Smith (31:22.206) Mm-hmm. Yeah. Ron Gura (31:39.382) is really important. So I won't share exactly our unique data around when to surface what, but I will tell you that if someone is a few months in, it's not a secret that they're starting to think about the fact that, well, I'm next. There's a reason why 33% of the wheels that people buy Ramsey Smith (31:41.249) It's very hard. Ron Gura (32:08.626) are after the loss of a loved one, usually a parent. It's that clear generational movement that people comprehend. And we wanna surface that at the right time, in the right place. People are understanding the implications of not having those sensible conversations with their loved one just a few weeks and months ago. They understand even if they had a will, even if they had insurance, they didn't have the iPhone password. They don't know what to do with the dog. They're not sure what's, you know, you prefer cremation or not. They didn't have these conversations. And now they're thinking, you know what? I want to have all this information in place for my kid. They also get big check and they have liquidity and they're well positioned to now. make a big purchase like life insurance and a big commitment. And they kind of understand like that their best position to understand the value of this industry because they get that check. And just like Paul said, an agent that delivered a check, understand the value, a beneficiary that received the check, understand what life insurance is. Until then it's a financial tool. Ramsey Smith (33:09.511) Yep. Ron Gura (33:34.374) And for us, it's really important to surface that at the right time. People are reading. We have far more data points than an agent sitting at their office thinking, should I call me Jones today or tomorrow? It's been two months or three months. Ron Gura (33:52.794) we see what's going on and what state of mind she is and what can really add value to Ms. Jones. We will never do anything that is not 100% aligned with the beneficiary's best interest. I think if we do that once, we don't have a justification in this end of life category. And every employee that on board here at Empathy, that's the first thing they read on their. Onboarding, if we lose track of our mission to help families deal with loss, we're just as good as the next predatory funeral home chain. Just another person trying to sell people something. But if we first and foremost say, wait, is this saving time and money and stress? Is this a good offer? Is this a good brand? Is this what the beneficiary wants to hear right now? Is this going to find its empowering? to get support on probate. They're going to find it empowering to get an agent, call them and say, hey, here are your options in terms of your proceeds. Or maybe it's not the right time for that, and they're right now dealing with something very different. We know that. We're best positioned to know that more than the carrier, the agent, or any advisor. Paul Tyler (35:10.471) Bruno, what are your thoughts? Bruno Caron (35:12.349) Well, I was wondering, I mean, do you have any advice or any kind of a low hanging fruits, easy things people can do to save, to save significant amount of time when those things happen? Ron Gura (35:31.882) Well, estate planning as a whole is something that pretty much 70% of Americans don't do. I can't say that's a low-hanging fruit. The folks that say it is, I would not necessarily trust them. People that say, oh, five minute and you're gone, easy, fast, affordable. Wills and trusts and guardianship documents should not be fast and affordable. They should be thoughtful. You should be thinking about your hierarchy of values. You should be opening a bottle of wine with your significant other and asking you some really tough questions about who's going to raise the kids. Uh, however, even without proper documentation, having the conversation is a lot, talking with your parents is a lot. Sometimes they will start talking back if you bring this up, but people don't wanna talk about mortality. So the longing fruit is break the taboo. Nothing to be ashamed of. This is literally like sex education in the 50s. Like just the fact that we are running away from it doesn't mean it's not a thing and people don't wanna, and need the support and advice. Paul Tyler (36:41.799) Break the taboo. I think we've got a title for our podcast here. Tisa, do you think that works? Tisa Rabun-Marshall (36:46.134) Absolutely. That's a note to end on, or start to end on. Yeah, absolutely. I mean, I couldn't agree with you more. The loss I referenced a few minutes ago is exactly that. Thankfully, I had everything, my father had everything lined up, but it was the aha moment that like, ooh, I'm a parent. I probably need to do something, so if something, you know, so that the same experience could be for my child. That is absolutely the reaction of getting your own affairs in order when you either probably witness a loved one not having their affairs in order and the impact it has to you or having them in order and the impact that has to you, you know how much harder it could have been without things in place. So I totally agree with you there. And I think it's just the conversation, setting the expectations, making those wishes known. They are hard conversations to have. having to ask my 14 year old who you want to be with if mommy's not here. Who you know, I mean my heart's like pounding right now even saying that again. But it's necessary. And I think on the fight, it's kind of a similar like topics that are off limits, right? Like politics, religion, money. Death. So, we shy away from having the conversations. They're uncomfortable sometimes and we have differing values. But I think to your point, like for your question of low hanging fruit and wrong, your answer of one of the easiest things, yet hardest things to do is to have a conversation and start to talk about things. So I appreciate that advice. I hope it resonates with our listeners. Paul Tyler (38:06.175) Death. Paul Tyler (38:29.148) Yeah, Ramsey. Paul Tyler (38:33.482) Oh, sorry. Ramsey Smith (38:37.717) Sorry, I was on mute. So I've long been of the view that if there were a simple mathematical formula for the opportunity set in the insurance space, it would be experience greater than product, just that. Like that is the direction that I think in all sectors of our industry, whether it's. Ron Gura (38:50.263) Mm-hmm. Ron Gura (38:57.526) Beautiful. Ramsey Smith (38:58.301) with life, whether it's life, PNC, et cetera, that is where the greatest opportunity lies, both in terms of having happy customers for our existing businesses, but also to be able to extend our businesses into other areas. And Ron, you started out talking about just how you have this interesting situation in like in insurtech generally, what ends up being the problem that blows up a lot of new companies is that they... their customer acquisition is too high, right? Then you have incumbents that have really deep relationships, even if they're not really worked on explicitly, but there's these really deep relationships of trust that exist. There's people that are under the tent and depend on you, and I think there's great opportunity to expand those relationships over time if done properly. Paul Tyler (39:52.255) Yeah. Hey, Ron, listen, thanks so much for your time. I think what you're building is, it sounds like a wonderful service. I think, you know, I've been through it twice with both parents and I would have loved to have it as well. A little less recent than Tease's experience, but what's the best way for people to learn more about your company and, you know, for your carrier or, you know, distributing, you want to learn more about offering the product? What would they, where should they go? Ron Gura (40:20.086) We'll keep it very simple. You go to empathy.com, you'll see our testimonials and case studies, our videos, our care team, our app, can reach out to us for a demo. And I think really join the movement of more and more carriers who are embracing a new standard when it comes to beneficiary care. And we're very excited. about the momentum in the US, expanding beyond the US in 2024, and even beyond the life claims into additional adjacent categories that also include a moment of truth. And you'll be hearing more about that. But for now, empathy.com is really the simplest and easiest way to learn more about us. Paul Tyler (41:09.119) Excellent. All right. Well, thanks so much. And I want to thank our listeners. Share this show. Recommend us to your friends. Give us feedback. And be sure to join us next week for another great episode of That Annuity Show. Thanks, everybody.
Just when you thought it was starting to get better...things take another dramatic turn. We'll talk all that out this week. BUT. We also have some good news from a few folks. Grimmi isn't graduating. Panko's back. Kiara's back. There's new cool music, fun collabs, and even an anatomy lesson. Let's get into it. Each week we aim to bring together the biggest events in Vtubing and talk about what's been going on. Stop by, hang out, and let's catch up with us! Join this discord : https://discord.gg/wFMcTGHWGJ Follow here for updates: https://twitter.com/SuperChatsPod Shorts over here: https://www.tiktok.com/@superchatspod 00:00:00 Start 00:00:24 Nijisanji Doubles Down 00:57:30 Dokibird Returns Big Time 01:04:46 Regis Altare has his 3D Showcase 01:12:25 Happy Valentine's Day! 01:16:37 Roboco's New Outfit 01:20:00 Matara Kan's New Outfit 01:25:18 The Un-Graduation of GrimmiVT 01:27:40 Panko is Back 01:30:08 Kanata's big Dokuzu Cover Collab 01:31:29 Yuzuki Choco's Performance with Mel 01:33:46 Sakamata Chloe and Fuwamoco's Babymetal Cover 01:35:05 Kaela and Zeta's Cover of Stand by Me, Stand by You 01:36:40 Haachama and Shiori's Girl Failure Cooking 01:43:46 Nerissa and Bijou Cover Otomeroid 01:44:19 Gura and Ame Play Deep Rock Galactic 01:47:07 Bae and Mumei Anatomy Lesson 01:51:42 Clara (Phase Connect JP) Has Her First Collab 01:53:38 Elia Stellaria and Punkalopi Host a Palworld Contest 02:00:02 Kiara is Back (Kind of) 02:01:18 Self Shilling and Community Thank Yous 02:04:20 BriAtCookiebox Indie Focus
This week we've got the run-down on the newest Hololive branch, a metric ton of new outfits, Calli's big news, new hair styles, Advent's collab, Yuko being silly, Pippa being Pippa, Aura's Family Tree, and actually even more things to talk about! It's been a great week in Vtubing, let's chat about it! Each week we aim to bring together the biggest events in Vtubing and talk about what's been going on. Stop by, hang out, and let's catch up with us!
Oh god. Vesper's gone. And he's taken Magni with him. I'm sure they'll be back soon. Also happening this episode we wish Nina Kosaka a very fond farewell. In happier news, Gura's back, Hologra's funny, and Ollie is....sexy? Each week we aim to bring together the biggest events in Vtubing and talk about what's been going on. We also have a rotating focus on a particular Vtuber!
Coming off a specular KO victory over Robert Whittaker, Dricus Du Plessis had an very heated yet strange face off with Israel Adesanya. We explore the reactions from The MMA Guru, Ariel Helwani & Dana White. SPONSORED BY https://www.instagram.com/supremeoftheuk/?hl=en https://www.instagram.com/cfr_sports/?hl=en --- Send in a voice message: https://podcasters.spotify.com/pod/show/cfr-network/message Support this podcast: https://podcasters.spotify.com/pod/show/cfr-network/support
Is Tiami still a princess?
We start off this week by checking out some neat things I brought back from Japan. When we're through with that we start getting into the important news; Nina has announced her graduation. After that is the standard Hololive run-down. Gura's Birthday stream, Ame's News Show, and we talk about our favorite streams of the week! Each week we aim to bring together the biggest events in Vtubing and talk about what's been going on. We also have a rotating focus on a particular Vtuber!
Our childhoods had immense power in shaping the adults we are. The events that occurred to us early in life taught us what to expect from life in the future; they created our whole perspective. Eyal shared about the insights he now has on the effects of his childhood: “Being the first son of a family when both your father leaves the house and you lose one of your role models in a sense, and in addition, losing our brother to cancer in those exact ages, which now I know are considered the time of personality development, were pretty traumatic. And so, in the future, I had to create a certain personality to deal with uncertainty in life.” Stress is definitely very prevalent this year, both for us as people and as a part of the ecosystem as a whole. Many investors and founders who were used to success in the past few years are now experiencing a first crisis in their “algorithms”. For the first time, everything they knew and were sure about isn't enough - new data is coming, and it's very different from what they expected and were prepared for. It's difficult to contain it all - for all of us. With all of that in mind, Eyal emphasized - “If we want to maximize the chances of a certain company being successful and have the founders and their team maintain a sense of sanity and wellbeing (especially in this time), we need to put a lot of emphasis on addressing our personalities, communication, and awareness expansion…” Diving into everything in episode 99 of The Human Founder podcast, With Eyal Gura, Entrepreneur & Venture Investor.
U novoj epizodi podkasta govorimo o energiji sa kojom koračamo ka nekim rezultatima, kao i o tome za šta nam ti rezultati služe.Pitanja na koja odgovaram:Šta znači gurati rezultate?Šta znači kreirati rezultate?Kako prevazići guranje?Ukoliko želite da pratite informacije o edukacijama, radionicama, kao i korisnim sadržajima, pridružite se zajednici na mojoj newsletter listi: https://martinadjokic.com/newsletterA možete me pronaći i na Instagramu: https://www.instagram.com/martina.djokic/
(12-02-2020) - He played "Elias" in the NBC show Superstore (as well as played a real life news producer in our KNX Newsroom back in the day)Danny talks about growing up in a Ford family, and why his first car...was a Chevy. hmmmm, his dream car was a Corvette from a certain TV show. TALKING ABOUT CARS WITH RANDY KERDOON is owned by Kerdoon and his TOO TIRED GUYS PRODUCTIONS. all rights reserved. Check out the video version on our "Too Tired Guys/Talking About Cars" Youtube page.
Join us as we sit down with Ron Gura, CEO of Empathy, a company on a mission to help families overcome loss and navigate their grief journey. With a passion for making a difference, Ron is leading the charge in creating a more empathetic society. Tune in to learn how he's building a mission-driven company and the impact it's having on bereaved families. Have a great listen, and if you do benefit please suggest it to a friend who can benefit from it too.
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