Equitable transfer of the risk of a loss, from one entity to another in exchange for payment
On this episode of The Internship SHow, we speak with Jamie Duncan and Kate Golemo from HUB International. We discuss the excitement a career in Insurance can bring someone, their early-career opportunities, and much more.
Juicebox Podcast: Type 1 Diabetes
Michelle's daughter has type 1 diabetes and Michelle is an HR professional here to talk about FMLA, Leave of Absense, Americans with Disabilities Act, Insurance & emplyee resources. This BetterHelp link saves 10% on your first month of therapy Try delicious AG1 from Athletic Greens Use code JUICEBOX to save 35% at Cozy Earth Get the Gvoke HypoPen CONTOUR NEXTONE smart meter and CONTOUR DIABETES app Learn about the Dexcom G6 and G7 CGM Go tubeless with Omnipod 5 or Omnipod DASH Get your supplies from US MED or call 888-721-1514 Learn about Touched By Type 1 Take the T1DExchange survey A full list of our sponsors How to listen, disclaimer and more Apple Podcasts> Subscribe to the podcast today! The podcast is available on Spotify, Google Play, iHeartRadio, Radio Public, Amazon Music and all Android devices The show is now available as an Alexa skill. My type 1 diabetes parenting blog Arden's Day Listen to the Juicebox Podcast online Read my award winning memoir: Life Is Short, Laundry Is Eternal: Confessions of a Stay-At-Home Dad The Juicebox Podcast is a free show, but if you'd like to support the podcast directly, you can make a gift here or buy me a coffee. Thank you! Follow Scott on Social Media @ArdensDay @JuiceboxPodcast Disclaimer - Nothing you hear on the Juicebox Podcast or read on Arden's Day is intended as medical advice. You should always consult a physician before making changes to your health plan. If the podcast has helped you to live better with type 1 please tell someone else how to find the show and consider leaving a rating and review on iTunes. Thank you! Arden's Day and The Juicebox Podcast are not charitable organizations.
How to Scale Commercial Real Estate
Today's guest is Todd Watkins Todd is a COO of a multifamily real estate operator with 4000+ units. He has 30 years of experience in real estate from private law practice to Fannie Mae to current operator. Join Sam and Todd in today's episode -------------------------------------------------------------- Introduction [00:00:00] Todd Watkins' background and experience [00:00:36] Challenges in the real estate industry [00:04:24] Pay more for staff [00:08:54] Changing philosophy for tenants and staff [00:09:26] Challenges in the multifamily industry [00:13:28] Agency Debt [00:17:44] Changing Underwriting Assumptions [00:18:27] Name of Real Field Realty Partners [00:22:41] -------------------------------------------------------------- Connect with Todd: Web: www.railfieldrealty.com Connect with Sam: I love helping others place money outside of traditional investments that both diversify a strategy and provide solid predictable returns. Facebook: https://www.facebook.com/HowtoscaleCRE/ LinkedIn: https://www.linkedin.com/in/samwilsonhowtoscalecre/ Email me → email@example.com SUBSCRIBE and LEAVE A RATING. Listen to How To Scale Commercial Real Estate Investing with Sam Wilson Apple Podcasts: https://podcasts.apple.com/us/podcast/how-to-scale-commercial-real-estate/id1539979234 Spotify: https://open.spotify.com/show/4m0NWYzSvznEIjRBFtCgEL?si=e10d8e039b99475f -------------------------------------------------------------- Want to read the full show notes of the episode? Check it out below: Todd Watkins (00:00:00) - That, uh, that allows us to say, you know, yes, the property right next door has their pool is, you know, two meters longer. Or their, you know, whatever their, their store is open for 15 minutes longer than ours is. But you still wanna be here cuz we are building a community of people of, you know, interesting people, interesting places. It's a, it's, it's a, you know, you're getting more for your rent and again, a, a, a commodity box where you can put yourself. Intro (00:00:23) - Welcome to the how to scale commercial real estate show. Whether you are an active or passive investor, we'll teach you how to scale your real estate investing business into something big. Sam Wilson (00:00:36) - Todd Watkins is the c a multi-family real estate operator with 4,000 plus units. He's got over 30 years of experience in real estate from private law practice to Fannie Mae to currently being an operator. Todd, welcome to the show. Todd Watkins (00:00:50) - Thank you. Sam Wilson (00:00:52) - Absolutely Todd, the pleasure is mine. There are three questions I ask every guest who comes in the show in 90 seconds or less. Can you tell me where did you start? Where are you now and how did you get there? Todd Watkins (00:01:03) - So, okay, it's interesting and where did I start? There are a couple answers to that, but I think the one I'd like to say is I, my earliest memory is, um, being told that for the summer of seventh grade I was going to go paint apartment units because my father owns 10 small apartment complexes in Philadelphia. And uh, that's, if he would tell you if he were god rest facility, he not around. But he would tell you that that is how he paid for me to go to college. Cuz he had worked for the public, Philadelphia public school system for, you know, decades. And it, you know, having a kid who he put into private school, it didn't, it didn't pay. So he went out and bought, um, apartment buildings. And so that's how I got my start in the apartment business. Um, what, how's, how I got my start? How'd I get to where I am? Was that the second part? Yeah. Sam Wilson (00:01:48) - Where, where'd you start? Where are you now? Todd Watkins (00:01:51) - Yeah, so now I am the Chief Operating Officer and a partner at Real Field Realty Partners. We have about, as you said, about just over 4,000 units. We're in nine markets from, uh, greater dc um, a couple of markets in Virginia, north and South Carolina. And then we flip over to the bigger markets in Texas, sorry, Houston. Um, we're in San Antonio, Austin, um, and Dallas. Mm-hmm. . And so, um, you know, we, we, I got there, you know, as when you, when you said a 30 years experience, all I could think of was, man, I'm old. Um, and I got there, uh, the, the long way, um, I got there by virtue of being a private lawyer. Um, I got there by, um, half by being in, uh, a department that worked with, um, real estate, uh, developers, et cetera, but primarily did a lot of work with Fannie Mae. Todd Watkins (00:02:42) - Um, and I was living in Los Angeles and, uh, you know, I'm from Philadelphia. Kids need their grandparents. All of a sudden I found myself back on the East coast with working for Fannie Mae. Um, and I had, I was up late doing a deal. Um, this is actually, I was still in private practice, but I was up late doing a deal with a guy from Goldman Sachs and he, you know, asked me a couple of questions. He went off, I asked me to add some numbers together. I did it, kicked back to him, uh, a couple days later, had to do the engagement letter for his firm. Found out that he was going to personally make more than my entire firm was, and I realized I was in the wrong part of the value chain at that point. Uh, started off working my way over to the business side at Fannie Mae and then, uh, with a partner had left about, you know, 18 years ago. Um, and started a couple of things bef you know, we had a, uh, a real estate consulting practice before we finally joined up with somebody else and created rail field. Sam Wilson (00:03:36) - Wow, that's really, really cool. I mean, there's so many, I wish this podcast were longer because I'm sure just the things that you, your kind of insider's knowledge, and I know things have probably changed since you've been there. Uh, but your insider's knowledge of how Fannie Mae works, how to get loans done, just kind of all of that Sure. Component is, has got to be some somewhat of an advantage, hopefully, uh, for you in what you guys are doing today. Having had that experience from the private law side, from being inside of Fannie Mae now to an operator with over 4,000 units, uh, under, under your ownership, like what, what are things, where are things going? What are some challenges you guys are are looking at right now? I mean, it's, there's trouble in the water. Yeah, I think, but you tell Todd Watkins (00:04:24) - Me. Sure, sure. I mean, I think there are a lot of challenges, um, qual uh, I guess, uh, there're on, on the one hand, finding people, you know, the, I think the pandemic and times we've come out of the pandemic have made a lot of people change their ideas of what, how they want to spend their lives and what they wanna do and how hard they wanna work. And hasn't, um, unfortunately changed my investor's views of how much they want make and how much they want those people to work. And so, um, there, there has been, uh, a real tough time in getting quality staff. I mean, just, just bluntly putting, um, the turnover has been much greater. The numbers of people who are good are asking for a lot more, but they're also willing to leave much faster. So there was a time when we, it was sort of easier to have a, a team that you felt you could count on and, and they would be there for you at least for a little while. Todd Watkins (00:05:18) - And now, you know, we fight for people every single day. Um, you know, the, the, the amount of time that people are spending in their units, what they're looking for in units has changed. So the, the product type and how quickly we have to keep things going, um, to, to make sure that people want to be there. But I guess maybe the greatest thing, and I'm, I see, you know, I know it's only 15 in podcast, but I'd say, um, to, to my mind, I think there's some measure of the philosophy has gotta change in that, or is changing and it needs to be changed. And that we used to sort of think of it as a, something of a commodity product, right? It's a, it's a box where people put their stuff. And now I think because it's a box where people put their stuff, you have to have so much more. And that's one of the things that real field is that we, we try and build communities. And so we're trying to create not just a place where someone can dump this stuff, because let's face it, as soon as I build, you know, the next, next door is gonna be something shinier and brighter and newer. So I've gotta create an atmosphere where people want to live, not just where, you know, the the cost of them moving is gonna be higher than staying at my place. Sam Wilson (00:06:17) - Yeah, those are, those are all very, very, I think, um, interesting challenges that we're facing right now, especially on the staffing side of things. Are you, are you finding that across the board it's a staffing challenge? Are there certain entry level, mid-level executive level differences in Todd Watkins (00:06:38) - ? Sam Wilson (00:06:39) - No. Retentions. Todd Watkins (00:06:40) - It's across the, it's, it's across the board. I mean, you know, it's, it's easy to say, it's hard to keep maintenance people. That's, you know, they're the, the, uh, piece that, that little bit of gold that everyone is searching for, you know, great maintenance people are just, you know, so few and far between. And when you, you get 'em, all you wanna do is make sure that, you know, their phone only takes your calls and doesn't take them from anybody else. Um, but you see it as sort of every level. And, you know, I think that, um, there has been a traditional path. This kind of goes to what I was saying before about the, the, the philosophy. But there's been a traditional path based on, also on a leasing side, where you go from, you know, you start up as a, an associate, you move up to be a leaser, you know, you have to be an assistant manager, you have to be a manager, um, and then a regional and potentially beyond. Todd Watkins (00:07:27) - And I think that some of these, some of these properties and some of the numbers are getting to be so big that, you know, that path requires more than just having sat in the previous seat for, you know, at this point it could be six months. You know, that with the turnover so quickly. So there is, I think, um, there are, there are changes and differences and some of the expectations that people have that they're just gonna go to the next level doesn't necessarily meet our needs. When you actually get to the next level, it would've, they would've benefited by being in that previous seat a little bit longer in, in particular. But, um, but you know, between that technology, um, and, and the demand of tenants, um, or residents, uh, it's there at every level. There's a, there's a change and, um, it's, it's hard to hold on to people. Sam Wilson (00:08:11) - Yeah, absolutely. Any tips or tricks, things that you guys are doing currently, uh, to kind of mitigate that problem? Todd Watkins (00:08:20) - I mean, honestly, you know, we're paying more . I mean, you know, I think that's the, you know, I mean, we want to change the paradigm. Um, I'd really love to be able to have different entry points for different people and find a way to, to make them be contented where they are so that everyone's not just looking at their boss, we know to, as a way to get that next job. But the truth is, it's such a fragmented market, just so many owners and operators out there that everyone's trying to steal salad from somebody else. And so I get to, from what we're seeing right now is we just have to pay more. Sam Wilson (00:08:53) - Right? Right. Todd Watkins (00:08:54) - And any and for stars, we're willing to do it. And, and, you know, and, and I would just say, you know, it might be if I could make a commercial for us in, in the markets where we're, if you're a potential manager out there for stars, we are willing to do it. We're absolutely willing to pay more. And we, you know, we, we have to. But I mean, I think that, you know, these are, like I said, these are getting to be good sized businesses. You know, you buy property for 60 million, you don't just turn it over to anybody. So you know, the difference of six, eight, $10,000 in, in a manager's salary on a, on a business, that size means nothing. So, right. Yes. Oh yeah. Sam Wilson (00:09:26) - No, it absolutely doesn't. Uh, you talked about how the philosophy kind of needs to change as it pertains to the tenants. Before we get to that, what outside of pay more, is there a philosophy that you guys have had to change as it pertains to your staff? Todd Watkins (00:09:45) - Sure. Like I will say, like right now we are in the market for a concierge at a property in Dallas, right? The, the idea is it's no longer enough to have, you know, someone who calls when your toilet overflows or someone who's not, you know, we wanna become a part of the community. We wanna have, you know, if, and I can tell you the name of the property, it's Skyline Trinity, you know, I, I'm talking to the city about having, you know, a 5K start there, you know, or what can we do to get our name out in, in that way to have a concierge shoe sort of, you know, they know all the restaurants, they know the places to go. They're a real resource that, uh, that allows us to say, you know, yes, the property right next door has their pool is, you know, two meters longer or their, you know, whatever their, their store is open for 15 minutes longer than ours is. But you still wanna be here. Cause we're building a community of people of, you know, interesting people, interesting places. It's a, it's, it's a, you know, you're getting more for your rent and again, a a a commodity box where you can put yourself, Sam Wilson (00:10:44) - Right? No, no, that, that's really, really cool. And I, and that, and that, again, you know, that, that plays to both, both staff and, uh, and to tenants where if you, so we've talked a little bit about the challenges that, that you're, that we're facing right now. You know, how people are living. We've talked about employment and staffing challenges. Have we talked about insurance and kind of the things that are, uh, challenges on that front, and then how you mitigating just the ever increasing cost of insurance? Todd Watkins (00:11:11) - Yeah, that's a tough one. Honestly, that's what I'm dealing with right now. Um, the, there have been a lot more once in a thousand year events that seem to have hit, um, particularly in parts of Texas, um, along the coast. At the same time coming out pandemic, there are a bunch of insurance companies that have just left the market. And so the premium increases, renewal re increases, sorry, that we're seeing are, you know, a hundred percent, you know, I, I got one in April that was 80%, couldn't believe it. And then just recently got them was 120%. So I think that, you know, and I, I know some of your, um, viewers, listeners are, are smaller. I think there are, what we're trying to find is programs to help small people get together so we can get some of the hef to the, and, and the benefit of size that, that, you know, some of the enormous players in this business have, they can go out, they can create their own towers of insurance or even their own captive insurance companies, you know, but my fourth thousand means I can't do that, but I know, but, but that's sort of some of the things we're trying to look at is even combinations with other operators to see if there are ways to help us, you know, get some benefits of, of scale. Todd Watkins (00:12:22) - Because I mean, I, I think, and you know, now I'm gonna demonstrate an entire industry I know nothing about, but I think the insurers are really looking for ways to just bring in more profit, more premiums than they're paying out in losses. So, you know, when they look, when they look at my portfolio and do their pricing, you know, it's, you know, I have to have it. And I don't bring a whole lot to the party than, than my 4,000 units. So if I can find ways to help people, you know, I mean the, some of the things that, that have been offered of, you know, well take a, you know, an an enormously higher deductible, you know, there are, that's like part of what the insurers are coming back to me with renewals on. I'm already taking more risks than I wanna, so it's, it's finding some way to be creative, to get more people in to, to truly under or, or to have enough, a good enough relation with my, um, brokers so that they can really tell our individual story about some of our properties. So it's not just, you know, east of I 95 makes a coastal, and so jack up, jack up the premium, it's this property is here, there, or the other place. And it's not the same risk as you might generically think it is by just looking on a map. Sam Wilson (00:13:28) - Right, man. Yeah. And that's a challenge. I mean, how absorbing that, absorbing that Indian, right? Yeah. Yeah. Todd Watkins (00:13:37) - Well, so that's the thing, right? So we've talked, so what have we talked about? We've talked about competition, we've gotta pay staff more. I got a hundred percent insurance increase. Um, you know, I mean, I can tell you that the, the local municipalities are not looking for less on their property taxes. Um, you know, it's, it it's an ever bigger challenge, , I mean, it's fun, but it's never bigger challenge, Sam Wilson (00:14:00) - Ever bigger challenge. But there's a reason you're still in it. So what are the Todd Watkins (00:14:05) - Opportunities? You're saying I don't have any other skills, , Sam Wilson (00:14:08) - , I'm not saying that at all. I'm saying you can do anything you want, and yet you choose to stay, you're in it. So no, clearly not. You have way more skills than, uh, than I do, I promise you that. But, but what are, what's the opportunity that you see right now? Todd Watkins (00:14:27) - Oh, I mean, you know, look, commercial real estate is, and, and so we are in multifamily, right? That's, that's all we do. We, you know, we, one of my partners like to say, you know, we don't know a lot about a lot, but we know a lot about this, right? Um, , it's right. It's still, it's an incredibly fragmented industry. So, you know, the, the, you know, there're millions s and i, I should have known these numbers, but, you know, million management of, of apartment properties out there and, and, you know, hundreds of millions of units. And the largest operator, owner operator has about a hundred thousand hundred, something like that. So it's, it's an incredibly fragmented, um, uh, market. It, the, the challenge every day there's a challenge in each one of these businesses and coming up with strategy and figuring out how we can keep it best positioned to make the highest return. Todd Watkins (00:15:12) - Um, you know, it's, it's tangible in a way that, you know, you get to go in and see, you know, say we should pay for something, and then six months later actually seeing it come to fruition. You know, you, you, you go to apartments and you actually see, you know, kids playing on, on swings that you decided to be there. You know, it's, it's a lot of fun actually. , I mean, you know, I suppose, um, you know, everybody finds the thing that they liked or everyone should find the thing that they like to do the most. And I guess for me, you know, at this stage of my life, certainly this is what I like to do the most. Sam Wilson (00:15:46) - Right. Is there, is there any strategy or, um, anything, I guess when you think about the multi-family space holistically, is there something where you're like, Hey, this is where our niche is and this is why we're staying here? Todd Watkins (00:16:02) - Yeah, so, um, you know, we don't develop, that's a whole different set of skills. So, you know, looking at a piece of dirt and, you know, turning it into a, a building, I mean, I, I could only pray to be that creative and, and to deal with all the headaches that, that go along with that. You know, we, um, we don't do like really high end stuff. And we have some stuff that, that we have, um, uh, bought that's relatively newly built, but, you know, not skyscrapers, um, you know, Manhattan and all that sort of stuff. We are, you know, and maybe it's, um, it goes back to our time at Fannie Mae, but we're sort of BC market buyers. Um, you know, we like, um, the solid part of the market. It's not, you know, I'm a brain surgeon, but I just feel like renting it's people who, you know, if they don't necessarily need to rent, they're on the cusp of it. Todd Watkins (00:16:53) - You know, they, they, they wanna rent. Um, and we wanna provide great, um, homes for 'em. But it's, it's people who, um, you know, are not just, you know, having a, having a, a, you know, a pieta tear because their place at the Hamptons is being worked on. Um, so that's sort of the, the part of the market where we stay, we know it, we think it's the deepest part of the market. Um, having been lenders, it has proven to actually, um, provi perform the best in downturns. Hmm. And so, you know, once you're a lender, you know, you always sort of watch the downside, um, a lot more than the up. So yeah, that's, that's kind of where we've come from, where we're, we'll probably stay. Sam Wilson (00:17:29) - What, what are you guys doing, uh, speaking of lending? Like what's an attractive, what are attractive terms? What are attractive loans that you guys are, are looking for and liking right now? Todd Watkins (00:17:44) - So that's actually not my part of the business. Um, I have a partner, John Siegel, who, who runs that. But typically, you know, we've been getting, and, and I, I jumped over something quickly, which I should have forgotten. It's, it's not only did we come from Fannie Mae, but one of my partners, Ken Bacon, actually used to run Fannie Mae. He ran Fannie Mae multi-family for about 12 years. So, um, we have done pretty well with agency debt. Um, it's typically, you know, uh, seven to 10 years. Um, we get as much interest only as we can. Um, and, you know, it's a, it's a cashflow business in the collection business . So, but in terms of actual terms right now, that would be something John would've to you, you'd be better off talking to him. Gotcha. Say they've better off talking to him. , Sam Wilson (00:18:27) - . I doubt that. Here we go. Let's talk, uh, about underwriting assumptions. Maybe, uh, maybe you can talk to us about, cuz I think one of the things you mentioned earlier was that, you know, we have all these, we have all these rising costs from everywhere from staff Sure. Insurance to, you know, all those challenges coming at you, and yet you also have investors who are still wanting that amazing return that they were getting in 2019 and 2020. How are you changing those underwriting assumptions for 2023, and then how are you communicating that back to your investors? Todd Watkins (00:18:58) - So it's, um, honestly, it's hard and, you know, they're not many deals are getting done. Um, we actually are just, have just circled our first deal for the year, um, just this past week. Um, and it's, it's difficult. Um, we actually, you know, it's, we have different investors who have different, um, requirements and so we can kind of, um, try to find a fit for them, but it's been very, very difficult. And in fact, I mean, I don't know who else you're talking to, but I haven't heard of many deals going off this year. I think volume is just way, way down. Um, so I think that there is a, how should say, a sort of a bid ask that is, or, or readjustment, um, that's gonna have to happen. Um, as truth be told, some of the sellers are gonna have to come and start to realize that, you know, some of the amounts that they thought they were going to get, you know, 15, 18 months ago, just aren't going to be there. Todd Watkins (00:19:57) - Um, I mean it's, you know, it's, it's just a math. Um, you know, investors, you know, investors still do want some of those returns now. They're, you know, they also will have to at some point come to grips with the fact that, you know, uh, if if they're going to put money out, it's gonna have to, they're gonna end up having to do something at lower than the returns that they were, um, looking for as well. But that's, you know, how a market will be made, right, is people, both sides will have to give some, Sam Wilson (00:20:22) - Right, right. Yeah. And I, I would think just, you know, from a, uh, outsider's perspective, we only have a couple multi-family properties in our portfolio, but from an outsider's perspective, those deals with agency debt, you know, that was acquired two, three years ago at two and 3% fixed for 30 years. I mean, those are the ones that I think will still trade at, you know, uh, you know, at a premium. Am I in, in incorrect in that assumption? Todd Watkins (00:20:50) - Well, all, especially if it's a sum. Um, the, yeah, well that's, that's largely what we've, we've been trying to do is assume is a assume loan. Um, but, but again, remember agents, so just so we're clear, multi-family, um, tends not to have the 30 year death. A standard product that comes out of Fannie is like a 10 year product. Okay. Um, single family will go out, will go out to 30 years. But typically on multi-family it's, it's 10. Um, sometimes you might see something out of FHA that goes longer, but I think it's typically it is 10 as the horizon. But yeah, that's where, that's what, if you have, um, if you have loans that can be assumed that where the math works there, that's probably where the action's gonna be. Right? Or quite honestly, if you're, I mean, you know, I think, you know, back to my father, um, you know, and one of these things it's like, you know, there's always gonna be a deal because someone always gets divorced, dies, you know, has to sell for some, you know, has some cash requirement. Todd Watkins (00:21:46) - Um, I think there were deals done a few years ago that had variable rate debt, um, where either the rates has gone up so much that they can't afford it, or the escrowing for the next cap has gotten to be so much that they can't afford to hold them anymore. And I would imagine that some of those, you know, there could be, that could be where some of the movement starts. Cause some of those people, I mean, you know, God bless 'em, I hope they're all doing, but, but I, I would imagine if they're not feeling it, feeling great right now, Sam Wilson (00:22:17) - Right? No, no, they're not. I can, I, I can, I can only imagine as well. And having talked to some of the people on this show, uh, who have been in that exact and are, are in that exact predicament right now, where it is, um, yeah, they're feeling, they're feeling that pinch. Todd, I got one last question here for you. Rail Field, why that name for your company? What, what does that come from ? Todd Watkins (00:22:41) - So, um, uh, you know, it's, uh, the short answer, along short answer was we were starting with a, uh, a program and investor who, you know, needed a name. And it was already written in the documents because my partner Ken had come from, when he had come over, he had a, he had a company called Refield. Um, so we just took it longer answer. Um, the, originally there were two partners, ones African American and one was Asian. And the Asian person said, when my family came over here in the mid, you know, 19th century, you know, they were probably working on the rails. And the, the African American guy said, well, at the same time, I'm probably working in the fields and you got rail and field . So Sam Wilson (00:23:21) - There you go. There you go. Fantastic. I love, I love, I love both answers as short and the long. That explains it very, very clearly. Todd, if our listeners wanna get in touch with you, learn more about your firm, uh, what is the best way to do that? Todd Watkins (00:23:35) - Rayfield realty.com. Um, it's the long name, but I think it's worth it. Uh, but yeah, look us upfield realty.com. Sam Wilson (00:23:42) - Rayfield realty.com. Yeah, we'll make sure we put that there in the show notes. Todd, this has been certainly insightful. Your, uh, your experience is unique and you've shared a lot of really great stuff with us here today. So thank you for taking the time to come on the show today. We certainly appreciate it. Sam Wilson (00:23:57) - Thank you so much for Todd Watkins (00:23:58) - Having me. I really enjoyed it. Sam Wilson (00:24:00) - Hey, thanks for listening to the How to Scale Commercial Real Estate podcast. If you can, do me a favor and subscribe and leave us a review on Apple Podcast, Spotify, Google Podcast, whatever platform it is you use to listen. If you can do that for us, that would be a fantastic help to the show. It helps us both attract new listeners as well as rank hire on those directories. So appreciate you listening. Thanks so much and hope to catch you on the next episode.
What is Production Insurance exactly? How do you get it affordably for smaller projects? What exactly do all those terms on that certificate of insurance even mean?!?!? Production Insurance is a non-negotiable when it comes to filmmaking. You need it to rent gear. You need it to book locations. You need it to keep your crew covered. Filming without it is a risky business. We'll be joined by Alan Schlaifer who has been helping indie filmmakers get insured for over two decades. We plan to demystify production insurance and help make it more attainable for filmmakers at all levels. (Episode 41) Hosted by Director/Producer Jenn Page. To join our private FB group for directors or to learn about The Working Director course that helps emerging filmmakers become working directors faster, visit TheWorkingDirector.Pro. More on Alan: You can reach Alan to ask questions or get a quote for production insurance at firstname.lastname@example.org. Prior to starting his agency Alan Schlaifer began his career working in post-production. He moved up the ladder from the role of assistant video editor to sound designer and music editor. Recognizing that there were a number of opportunities for calamity in the production process, he transitioned into the field of production insurance. He spent a few years with the John Hart Agency to learn the ropes of handling production insurance needs. Eventually, he started ASIS Entertainment Insurance. It is interesting to note that Alan's mother was a studio teacher who brought him to the set with her, so he has been around the industry for his entire life. From that beginning, an entry into the industry wasn't an unexpected leap. In his early years, Alan worked as an extra, body double, hand model, on-set P.A., and assistant to a director where he experienced the production process from script to screen. Alan believes that – for better or for worse – every frame of film offers a learning opportunity. If the worst happens, you want the comfort of knowing that your insurance policy covers the solution. --- Send in a voice message: https://podcasters.spotify.com/pod/show/theworkingdirector/message
In this episode, I'm excited to have a very special guest, the founder and president of Cynanotary/CYNA - Florida Business Center, Cynthia Alexander, who is revolutionizing the insurance brokerage industry. Cynanotary/CYNA is a one-stop-shop for all your bonding, Aflac broker, and Medicare specialist needs. They are dedicated to providing excellent service and expertise to their clients, and they specialize in helping businesses and individuals navigate the complex world of insurance. During our conversation, we'll discuss how Cynanotary/CYNA is changing the insurance industry and helping clients achieve their goals. We'll also delve into the challenges and opportunities of working in the government contracting space and how Cynanotary/CYNA is uniquely positioned to help businesses succeed. Don't miss this exciting episode of GovCon Giants Podcast, featuring the founder and president of Cynanotary/CYNA - Florida Business Center. Tune in now to learn more about their innovative approach to insurance brokerage and how they can help you achieve your goals. Let's welcome our next giant, Cynthia Alexander.
Join Dr. Jeffrey Gladden, Steve Reiter and Joe Baffone in this episode of the Gladden Longevity Podcast. Joe is Co-Founder and CEO of Annexus Health, the leading healthcare technology company that is revolutionizing the patient access journey by delivering innovative solutions that reduce financial and administrative burdens to improve access, speed, and adherence to critical care. In his role as CEO, Joe takes a servant-leader approach and is as passionate about empowering others as he is about breaking down barriers to patient care. His work overseeing business development, strategy, and culture at Annexus Health is informed by over two decades of experience working in life sciences. Most recently, prior to co-founding Annexus Health, Joe spent seven years as a principal at onPoint Oncology, where he concepted, built, implemented, and monetized cancer access solutions. A devout Christian, Joe relies on his faith, which is central to his personal and professional decision-making. He and his wife, Jeanie, have three children, one of whom Joe has the privilege of working with at Annexus Health. This episode discusses improving the management of the patient care journey in complex disease states and the impact on longevity. As the podcast progresses, they talk about the administrative and financial challenges of the patient care journey in complex disease states as having an outsized impact on longevity. In addition, they consider the meaningful impact in complex disease states that requires provider centricity to be patient-focused and outcome-driven and that disruptive ecosystem-conscious technology approaches can be the most meaningful innovation in our healthcare system. Listen to this episode to learn about making a 100 the new 30 and living young for a lifetime! Dr. Gladden welcomes everyone to the podcast. (1:55) Dr. Gladden welcomes Joe to the show. (2:37) Dr. Gladden clarifies if Joe was the primary caregiver for his mom. (4:02) Joe mentions how his grandfather passed away from colorectal cancer. (6:18) Joe details some of the cool things that have happened in his career. (8:51) Dr. Gladden points out how doctors are caught in the middle between pharmaceutical companies' high cancer drug costs and consumers who cannot pay for them. (10:48) Joe explains repurposing data from other sources. (12:58) Dr. Gladden talks about drugs in the pancreatic space that are so expensive but only help patients live two months longer. (15:18) Joe shares that they have fourteen disease states but that they started with cancer. (17:01) Dr. Gladden discusses giving away care for free and keeping a business afloat. (19:58) Joe says that patient outreach is a critical path they are developing. (21:19) Joe reiterates that outreach is critically important, but they still believe it funnels through the provider. (23:38) Joe speaks about how the nonprofit world is challenging to work through to get to the decision-makers. (25:34) Dr. Gladden asks Joe about his plan for the fourteen disease states going forward. (28:14) Joe presents his vision of creating a technology network using its administrative enterprise platform to communicate well with other systems. (30:48) Dr. Gladden wants to know if there is a focus on mental health to get people mental health services. (32:30) Joe highlights one thing patients should do, and it involves owning their healthcare and understanding there are options to help them with challenges. (34:51) Dr. Gladden gives examples of commercial insurance. (36:00) Dr. Gladden notes that many patients are willing to control their healthcare, but what they don't own is the backend of it. (38:19) Dr. Gladden thanks Joe for bringing this information forward. (44:16) Joe thanks everyone. (44:53) Visit our website, www.gladdenlongevitypodcast.com, for more information on this episode and other episodes as well. Click on the link to let us know what you'd like us to talk about on the podcast too! Follow us on social media! Instagram: @gladdenlongevity Twitter: @gladdenlongevit Facebook: @GladdenLongevity LinkedIn: @GladdenLongevity For more information on our practice or how to become a client, visit: www.gladdenlongevity.com Call us: 972-310-8916 Or email us: email@example.com To learn more about Joe Baffone's work and/or Annexus Health, check out the following: Facebook: @Annexus Health Instagram: @annexushealth Twitter: @annexushealth LinkedIn: @JoeBaffone Website: AnnexusHealth.com DISCOUNT: Podcast10 (10% off your purchase at the Gladden Longevity Supplement shop https://gladdenlongevityshop.com/)
My Website Agency Launch training. Agency Launch Podcast. Music by Roger Clyne and the Peacemakers Simply Explaining Insurance on ITunes Simply Explaining Insurance on Spotify. On Stitcher On Android use Podcast Addict and search for Simply Explaining Insurance. The post Simply Explaining Insurance #261- What if you forget to cancel your old policy? appeared first on Dietz Agency.
Episode 122: Private Practice, Insurance & Coaching: How does it all work together? For licensed professionals who want to move into coaching. If you have a private practice, if you are a therapist, or you are in an industry where you want to move into coaching, or want to shed taking insurance and go to cash pay, this is for you. Sometimes you just want the answer on how to go from therapist or clinician or practitioner to coach, you want to know how to build a coaching business because we weren't taught in grad school. ready for more, ready to build or expand a coaching business? Let's talk: https://www.marybicknell.com/callwithmary/ Do you want to go into coaching? Join our next round of Pivot Your Practice™: your 8-week crash course for the therapist who wants to add coaching full or part-time. https://www.marybicknell.com/pivot
Use code EmilyBaker60 at https://www.GreenChef.com/EmilyBaker60 to get 60% off plus free shipping!Head to https://policygenius.com/LAWNERD to get your free life insurance quotes and see how much you could save.Visit https://thrivecausemetics.com/LAWNERD for 20% off your first order.Alex Murdaugh's legal team continues to litigate over their attorney fees and the death of Gloria Satterfield, a case that seemed to be closed. Alex Murdaugh is being sued by his insurance company who sued him to recover the over three million that they paid out related to Satterfield's death. The Insurance company alleges that Murdaugh defrauded them into settling the insurance claim, and then he stole those funds intended for Satterfields surviving sons. Murdaugh is now trying to undo his confession of judgment that granted the Satterfirelds over 4 million dollars. If you have followed this case, you cannot miss this shocking update. ResourcesPodcast Playlisthttps://feeds.captivate.fm/theemilyshow/the-alex-murdaugh-cases-murder-fraud-and-theft/YouTube Playlisthttps://www.youtube.com/playlist?list=PLsbUyvZas7gK8GOeWkGfi7acMnT-D0zaw Connect With Me. Get the Members Only ‘I Have Thoughts Podcast https://www.LawNerdsUnite.comJoin the Text Crew https://www.TextEmily.ComLooking for my YouTube videos? https//www.WatchEmily.comWant to connect with Emily More? https://www.Instagram.com/theemilydbaker I share things on Twitter too! https://www.twitter.com/theemilydbaker This podcast uses the following third-party services for analysis: Chartable - https://chartable.com/privacy
This episode features regular guest Jakob Emerson, Insurance Editor at Becker's Healthcare. Here, he discusses Medicare Advantage surpassing traditional Medicare in enrollment & the use of AI in health insurance.
In this episode, Dottie Chalmers Cutter interviews Paula Mahony, President and Chief Strategist of Words@Work, Inc. They discuss Paula's journey to the marketing industry, her strategies for public speaking and how she is inspired by her co-workers, her children and her new grandbaby.
Better Wealth with Caleb Guilliams
We'll be looking at The Internal Rate Of Return Of Whole life Insurance which is the ACTUAL ROR a lot of agents won't show you.Episode Links and ResourcesGet FREE Access to our Overfunded Whole Life Insurance Masterclass - https://bttr.ly/vault Get Your Questions Answered by one of our Life Insurance Experts - https://bttr.ly/aaclarity #BetterWealth Free 15 Minute Clarity Call: https://bttr.ly/ytclarity The And Asset Book: https://bttr.ly/book BetterWealth Quiz: https://bttr.ly/quiz AndAsset.com: https://bttr.ly/andasset BetterWealth Youtube - https://bttr.ly/bwyoutube Financial Advisor, Agent or Coach: https://bttr.ly/advisor
Steve & Mark answer your listener questions, including a follow-up about cooking dehydrated for freeze-dried meals in Zip-Loc bags, a free tool to find and compare rifle cartridges for your hunting goals, how to prepare for a sheep hunt, the best shelter choice for Alaska, and insuring your investment hunting gear against theft. Resources mentioned in this episode... - "A Wild Winter Sheep Hunt" Podcast: https://exomtngear.com/blogs/podcast/396 - Free Training Program: https://exomtngear.com/train - "Backwards Thinking & Ballistics" Podcast: https://exomtngear.com/blogs/podcast/393 - Cartridge Selection & Comparison Tool: http://www.hagueandsons.com/what-cartridge-should-you-be-shooting/ - Firearm, Optic, & Gear Insurance: https://www.easterninsurance.com/insurance-quotes/personal-insurance/historic-firearms & https://collectinsure.com/guns/ - K4 PACK SYSTEMS: https://exomtngear.com/K4 SHARE YOUR QUESTION: https://speakpipe.com/huntbackcountry or firstname.lastname@example.org View & Search the Podcast Archive: https://exomtngear.com/podcast
Club Capital Leadership Podcast
This week on the podcast, Bradley interviews Beau Vincent. Beau has grown from $1 Million to $5 Million in less than 3 years and would like to show others the way. As a leader who values family, service to others and excellence, he pledged to his my strengths in leading others, communication, and coaching others to help leaders achieve their dreams inside and outside of work.Beau Vincent is happily married to his wife of over 14 years and father to three amazing sons! Beau is a former multi-unit leader who has led upwards of 30 locations, over three states, $40 plus million dollars, 30 general managers, 60 assistant general managers, multiple district sales managers and 400 employees. Beau got sick of fighting for a seat at someone else's table and decided to build his own table and invite others to sit with him.Beau is known for his positive mindset and agency culture and sales success through assembling a mighty staff with a passion for YES! Beau lives by: “I want 5 people working like 10 people, so that I can pay them like 8 people.”You will attract who you are! What if most of your problems could be solved by you becoming a greater leader? Work with Beau when you visit http://www.craigwigginscoaching.com/beau/Learn more about his CWC Partner Training: https://drive.google.com/file/d/1Ifcquykh6EyUGt-EYP2binkTajooexIM/view?usp=share_linkCheck out Beau's podcast, The Conviction of a Leader: https://podcasts.apple.com/us/podcast/the-conviction-of-a-leader/id1632919627> JOIN THE PRIVATE LEADERSHIP PODCAST COMMUNITY!
In a softer real estate market, ancillary businesses are how we maintain and grow our revenue. Insurance fits in really well with real estate, and setting up a joint venture in it is simpler than you think. Why would a real estate team or brokerage want to get involved in insurance? In this episode, I'm joined by the founders of Aksarben Insurance and Team Building Summit keynote speakers, Cyrus Jaffrey and JR Rivera. They talk about the value of adding insurance to our businesses.Guest Bio Cyrus Jaffrey is an entrepreneur and the founder of Aksarben Insurance. With over 30 years of combined experience in the insurance industry, Aksarben Insurance works to find the best insurance rates for their customers delivered with an unmatched customer service experience.From home and auto to business, health, and life. Cyrus runs a network of independent insurance agencies focusing on helping captive and Independent agents fulfill their dream of owning their own business and building a Legacy. For more information, get in touch with Cyrus at email@example.com. JR Rivera is the CEO and Co-Founder of Aksarben Insurance. He builds insurance partnerships with business owners around the United States. JR leads the partnership onboarding and works to fine-tune the operations at every location, and has been in the insurance industry for close to 9 years.
Time for a Friday Flight- our sampling of the week's financial news and what it means for your personal finances. There are a lot of headlines out there, but we boil it down to specific takeaways that will allow you to kick off the weekend informed and help you to get ahead with your money. In this episode we explain some relevant and helpful stories like: highlights from our Scotland trip, tyrannical tipping, day (and night) trading, degree requirements getting dropped, white collar apprenticeships, transfer student transgressions, stressing over your money's safety, hiring and pay freezes, car insurance increases, fewer folks with life insurance, & medical debt dropping from credit reports. Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances: Knowing your ‘money gear' is a crucial part of your personal finance journey. Start here. Sign up for the weekly HTM newsletter. It's fun, free, & practical. Join a thriving community of fellow money in the HTM Facebook group. Find the best credit card for you with our new credit card tool! Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile. And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you're not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend! Best friends out!See omnystudio.com/listener for privacy information.
The WealthAbility Show with Tom Wheelwright, CPA
Have you considered the benefits of investing in life insurance? Or how the different functions can uniquely alleviate stress for our loved ones? Learn more about your ad choices. Visit megaphone.fm/adchoices
Lawyers in the House with Montlick
One thing our lawyers can't stress enough is that each case is unique. That's why it's SO important that if you're injured in an accident that wasn't your fault, you give us a call first so we can walk through your specific situation. We often get callers saying "My brother was in a similar accident and his case was worth $350,000, so that's what I'll get too, right?" Well, today Montlick attorneys Kathy and Jen walk us through why that isn't always the case, and how two similar cases (say, a rear-end accidents with neck injuries) can diverge depending on the particulars of your situation, including your specific medical history, the defendant, your insurance carrier and more! The purpose of this show is to provide general information about the law. Our guests will not provide any individualized legal advice. If you have a personal situation and need legal advice, contact us nationwide at 1-800-LAW-NEED for your free legal consultation with a Montlick attorney. Follow us on social @montlicklaw or visit lawyersinthehouse.com for more info, clips and tips.
The Social Dentist - Dr. Yazdan
In this episode of The Social Dentist, Dr. Desiree Yazdan is talking to her fellow dentists about transitioning to a Fee-For-Service Practice. Dr. Yazdan runs her own successful FFS practice and has already helped many other providers do the same. If you're running a dental practice that takes insurance, this is an episode you do not want to miss. You'll want to hear what Dr. Yazdan means when she refers to a “thought error.” Dr. Yazdan is truly setting you up for success with this podcast episode. She's directly addressing the main concern for dentists when they think about transitioning to a FFS practice - the patients. And she isn't just giving you a generic script or explanation to tell your patients; Dr. Yazdan is providing an infrastructure plan for your business to support a FFS model. Dr. Yazdan is giving you a detailed, three-step plan that you can follow to break free from working with dental insurance companies in your dental practice. For more from Dr. Yazdan, to help your business grow, sign up for her free masterclass - link below. The Social Dentist, Episode 141 - Always Over Deliver - https://dryazdan.com/podcasts/141/ Sign up for Dr. Yazdan's NEW Free Masterclass, Instagram Patients - www.dryazdan.com/newpatients Join Dr. Yazdan's Coaching Waitlist - https://dryazdan.lpages.co/coaching-waitlist Schedule a Free Consult with Dr. Yazdan - https://dryazdan.com/schedule Sign up for Dr. Yazdan's Newsletter - https://dryazdan.com/email Follow Dr. Yazdan on Instagram - https://www.instagram.com/dryazdan/ Follow Dr. Yazdan on Facebook - https://www.facebook.com/DrDYazdan/
Travel Agent Chatter | Starting and Growing Your Travel Agency
Welcome to Friday 15! In episode 106 Steph chats about E&O vs. liability insurance vs. umbrella policy, host-only agency vs a host/agency hybrid, and whether a website that clients can interact with is important to have. A list of helpful resources for today's episode: https://hostagencyreviews.com/friday15 (Submit questions, sign up for reminders for the F15, along with that week's questions we'll be covering!) QR code https://hostagencyreviews.com/survey (Sign up for reminders and to get the final reports here.) Take the survey, get the free report! https://hostagencyreviews.com/travelagentchatter/amy-garner-wicked-travel-concierage (Amy Garner TAC episode) (https://hostagencyreviews.com/hosts/uniglobe-travel-center) Thank you to our sponsor, Uniglobe Travel Center https://www.360coveragepros.com/har (360 Coverage Pros E&O Insurance) https://hostagencyreviews.com/blog/travel-agents-need-eo-insurance (Article on E&O insurance) https://hostagencyreviews.com/hosts (List of host agencies with data on who is host only vs. host hybrid) https://hostagencyreviews.com/blog/the-hosted-travel-agent-income-report-2021 (Data on website booking engines) https://hostagencyreviews.com/survey (Take the survey to help us get better data on website booking engines) https://hostagencyreviews.com/hosts/uniglobe-travel-center (Uniglobe Travel Center's HAR profile + reviews) https://hostagencyreviews.com/friday15 (Sign up for e-reminders for the Friday 15 and submit your questions!) Submit your burning question here Har.News/Friday15 and join us this Friday (and every Friday!) at 12CT for travel agent tips!
In this weeks episode I have a lot of fun with my new friend Andrew Chermark! The moment I met this guy I knew I had to hit the record button. So we did! Andrew's energy is infectious and his attitude is so upbeat and positive. We have a great conversation about commercial auto and taking your game to a whole new level!Sit back relax and enjoy my conversation with Andrew Chermark!!Sponsors :Smart Choice Cover DeskCanopy Connect Manscaped - 20% off and free shipping … code MAYOR at checkout
You may have seen in entertainment news this week that Lily Collins, the star of the Netflix show Emily in Paris, had her engagement ring stolen. As so often is the case, when we hear a story like this, we put ourselves in the headlines: what would happen if my engagement ring, or a family heirloom, was stolen… what would you do? Would you be protected? Today, Nicole explains your insurance options— and why if your dog has a tiara, you're probably screwed.
Crazy Sh*t In Real Estate with Leigh Brown
In this episode with Greg Goff, let's dive into different insurance choices and what might work for you. Listen to how Greg's friend lost a large sum of his retirement savings on taxes. If you don't want to make the same mistake, tune in and start planning your finances today! Key takeaways to listen for The advantage of diversified long-term investments under economic volatility How much emergency fund should you save More reasons to reach out and work with a financial professional Roth IRA: What it is and how it can benefit your kids How a background knowledge in investment can lead you to best decisions Resources mentioned in this episode Jim Cramer Roth IRA About Greg Goff Greg is a CERTIFIED FINANCIAL PLANNER™. Greg learned the value of comprehensive financial planning while working as a Financial Advisor at a Fortune 500 firm. Knowing there was a disconnect between financial planning and entrepreneurship, Greg founded Sound Wealth Management, a financial planning firm focused on serving business owners. Greg is also a Certified Investment Management Analyst®, Chartered Financial Consultant®, and a Chartered Life Underwriter®. Greg enjoys spending time with his wife, Kinsley, their daughter, and their two rescue pups, Marlow and Cooper. They enjoy exploring all Greenville, SC, offers and visiting family in Hilton Head and Charlotte. Connect with Greg Website: Sound Wealth Management LinkedIn: Gregory Goff, CFP® Facebook Page: Sound Wealth Management Instagram: @soundwealthmanagement YouTube: Sound Wealth Management Email: firstname.lastname@example.org Connect with Leigh Please subscribe to this podcast on iTunes or the Podcasts App on your phone, and never miss a beat from Leigh by visiting https://leighbrown.com. DM Leigh Brown on Instagram @ LeighThomasBrown. Subscribe to Leigh's other podcast Real Estate From The Rooftops Sponsors Leigh Brown University – New On-Demand Training How to Dominate During This Recession! Enroll Now to get ahead of the curve and learn how to manage changing markets, the action steps for what to do, and most importantly, what to say so that you can secure listings, assist more buyers, and grow your business no matter what the market is doing. Link: http://dominatethisrecession.com
How do you overcome a negative mindset? What does it mean to win? To win in life? To win in relationships? To win in finances? To win in other areas of your life? Our guest on this week's show is Brad DeMint. Brad is an account executive with Greenleaf Title, LLC (www.greenleaftitle.com) and host of the podcast How to Win with Brad Demint (www.BradDeMint.com), a podcast about life, sales, and inspiration. Listen to Brad DeMint break down important winning strategies in every area of your life. Brad teaches and coaches success! In this week's episode, George and Shawn talk to Brad about: How to Win Persistence Freedom Never Quitting How to Keep Moving Forward How to Overcome a Negative Mindset Your Power Army Eliminating Limiting Beliefs You can connect with Brad (and check out his Reels and other Social Media content) at: Brad@Greenleaftitlefl.com Facebook: https://www.facebook.com/WinwithBradDeMint/ Twitter: https://twitter.com/braddemint9 Instagram: https://www.instagram.com/win_with_Brad_DeMint/ LinkedIn: https://www.linkedin.com/in/brad-demint-38b295179/ Let us know if you enjoy this episode and, if so, please share it with your friends! Please also visit our sponsors: Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com. Mark Purvis to help retirees who are looking for a fun and rewarding project by capturing wisdom and stories that will bless their families today and for generations to come. www.LegacySpotlight.com. Or, you can support the show by visiting our new Patreon page: https://www.patreon.com/crushingDebt To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com, or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com.
As climate extremes worsen, insurance plays a more important role in helping people recover from disasters. Yet even many of the most exposed people do not buy the coverage they need, while the global protection gap continues to widen as more homes are developed in high-risk areas. In this episode, InsTech's Ali Smedley and Henry Gale talk to Carolyn Kousky, Associate Vice President for Economics and Policy, Environmental Defense Fund and author of 'Understanding Disaster Insurance: New Tools for a More Resilient Future'. The book provides an overview of disaster insurance markets and the role of the public sector, then focuses on how innovations in insurance, such as parametric coverage and community-based catastrophe insurance, can build resilience. Topics include: Encouraging risk reduction and mitigation How to design effective parametric microinsurance products Implementing community-based flood insurance in New York City How insurance can help create a nature-positive economy The roles of the public and private sectors in building disaster resilience Why countries with developed insurance markets still have large protection gaps If you like what you're hearing, please leave us a review on whichever platform you use or contact Matthew Grant on LinkedIn. Sign up to the InsTech newsletter for a fresh view on the world every Wednesday morning. To find out more about InsTech, our membership and offerings visit www.instech.co or contact us email@example.com Continuing Professional Development - Learning Objectives InsTech is accredited by The Chartered Insurance Institute (CII). By listening to any InsTech podcast, you can claim up to 0.5 hours towards your CPD scheme. By the end of this podcast, you should be able to meet the following Learning Objectives: Describe some of the ways insurance can increase resilience in disaster-prone communities Explain some of the reasons large protection gaps still exist in the insurance market List the key resources required to design microinsurance products successfully If your organisation is a member of InsTech and you would like to receive a quarterly summary of the CPD hours you have earned, visit the Episode 243 page of the InsTech website or email firstname.lastname@example.org to let us know you have listened to this podcast. To help us measure the impact of the learning, we would be grateful if you would take a minute to complete a quick feedback survey.
Grow Money Business with Grant Bledsoe
In the past few weeks, we have been in a banking environment where lenders are running into problems that started at Silicon Valley Bank six weeks ago. Today on the show, we are going to talk about the situation of the banks, the risks, and, more importantly, what you should do if you are concerned about the viability of your bank. We will also cover FDIC insurance, what's covered and not covered in it, the limits on different types of accounts, the difference between banks and credit unions, a few strategies you can use to protect your cash, and more. [04.43] Silicon Valley Bank – Starting the conversation, Grant explains what happened to Silicon Valley Bank in a nutshell and why its customers are at risk. [11.50] FDIC insurance – We discuss why we shouldn't rely on the FDIC or the federal government to cover insurance above $250,000. [17.42] The rules – Grant dives into the rules of FDIC insurance. [24.37] Other institutions – Grant shared why he is not a fan of other institutions like JPMorgan Chase & Co. and Wells Fargo. [31.44] Office buildings – We talk about how office buildings' value is falling dramatically in commercial real-estate space. [35.28] SIPC - Securities Investor Protection Corporation is the brokerage affiliate of the FDIC. Resources Fed report blames SVB execs — and itself — for bank's failure msn.com/en-us/money/other/fed-report-blames-svb-execs-and-itself-for-bank-s-failure/ar-AA1aufuL Deposit Insurance At A Glance fdic.gov/resources/deposit-insurance/brochures/deposits-at-a-glance/
Insuring Cyber Podcast - Insurance Journal TV
This episode of The Insuring Cyber Podcast features interviews done on site at the 2023 Rims Riskworld conference, where guests shared the biggest takeaways from the event and … Read More » The post EP. 61: AI, Ransomware, Tech Burnout Biggest Takeaways from Rims’ Riskworld appeared first on Insurance Journal TV.
In this audio podcast episode, Miguel Gonzalez shares 5 financial planning tips for working mothers. Welcome to Cortburg Speaks Retirement Podcast with Miguel Gonzalez, MBA, AIF®, CPFA®, CRC® CLICK HERE TO LISTEN TO MIGUEL'S LATEST PODCAST FOLLOW US ON: YouTube->https://m.youtube.com/c/CORTBURGRETIREMENTADVISORS Facebook-> https://m.facebook.com/CortburgInc Twitter-> https://twitter.com/CortburgInc LinkedIn->https://www.linkedin.com/in/miguelxgonzalez/ Website: www.CortburgRetirement.com Email: Miguel@CortburgRetirement.com
The Physician's Guide To Financial Wellness
In this episode of the podcast, we dive into the always-fun topic of life insurance. We start out by sharing an overview of life insurance and discussing the purpose of it. We then transition into the three general life stages (early-career, mid-career, and late-career/retirement), explaining how your life insurance need changes at each stage and sharing tips and strategies for how to ensure that you have the coverage you need, for the time you need it, while paying as little as possible for it. Outline of this episode The purpose and life cycle of life insurance [1:17] The two basic types of life insurance [3:14] Coverage you need in early career [6:23] Coverage you need in mid-career [9:39] Coverage you need in late-career [12:40] The recap [16:06] Resources & People Mentioned Episode #14: Insurance for Physicians – What Types & Amounts You Actually Need Download our guide: The Toolkit for Optimizing Your Finances as an Employed Physician Download our guide: The Financial Checkup Connect With Trent and Andrew https://mdwmllc.com Follow on LinkedIn Follow on Facebook Subscribe to The Physician's Guide To Financial Wellness on Apple Podcast, Spotify, and Google Podcast
Kalen Bruce of Money Mini Blog shares 5 facts to keep in mind about commercial vehicle insurance Episode 951: 5 Facts to Keep in Mind About Commercial Vehicle Insurance by Kalen Bruce Kalen Bruce is the founder of MoneyMiniBlog. His story is simple… he and his wife were $24,000 in debt and became a student of finances to get out. They are now debt-free and building wealth. Kalen shares everything he has learned on his blog, writing informative, entertaining, mini blogs to help you with your finances. Finances can be intimidating, so he keeps his posts short, sweet, and simple. The original post is located here: https://moneyminiblog.com/insurance/commercial-vehicle-insurance/ Visit Me Online at OLDPodcast.com Interested in advertising on the show? Visit https://www.advertisecast.com/OptimalStartUpDaily Learn more about your ad choices. Visit megaphone.fm/adchoices
He Said She Said the Money Guide Podcast
Homeowners and Car Insurance costs are still jumping. Interest rates on your student loans are doing the same. If PacWest is any indication, Powell may have been a little premature in declaring the banking crisis over. Will Binance be the next Crypto casualty? Plus AI can write a sappy note, poem or song for Mother's Day. You are now off the hook!
Hope to see you all at LMT Lab Day West (https://lmtmag.com/lmtlabdaywest)! Come find us in the Ivoclar (https://www.ivoclar.com/en_us) Room. June is CDT and Dental Technician Appreciation Month. Every year we highlight those that mean a lot to all of us. For every episode in June we will play YOUR audio clips thanking that special someone in or around our industry. Just record yourself on your phone or computer and email it to email@example.com and we will play it on the show. Back in February, there is the biggest dental lab meeting in the US called Lab Day Chicago. We were set up in the Ivoclar (https://www.ivoclar.com/en_us) Ballroom all weekend and recorded a ton of great people. This week brings two fantastic conversations. First up is Chet Spivey. Chet has been with Ivoclar for over 25 years and tells us about the journey of the innovative company. With so many products under their belt, Ivoclar can celebrate their 100th year by honoring the customers. Then we finally get to chat with Canadian Denturist superstar Esther Schwenning. Esther talks about following in a family tradition of becoming a denturist, learning and teaching the suction denture technique, setting up her practice (https://www.nldenture.ca/) to go all in with digital, and of course….. beer. Are you attending the LMT Lab Day West show in Garden Grove California (https://lmtmag.com/shows/lmt-lab-day-west-2023)? Join Ivoclar (https://www.ivoclar.com/en_us)as they continue to celebrate their 100 Year Anniversary in the dental industry. At Lab Day West you can get up close and personal with Ivoclar digital technology, materials, and an EPIC speaker lineup. Learn first hand from many of the industry's leading dental professionals as they share their tips and tricks for success. Come and hear from Rafael Santrich, Jed Archibald, Steve Hatch and experience hands-on courses from Jenelle Tabakovic (https://lmtmag.com/seminars/bringing-dentures-to-life-featuring-sr-nexco-with-jenelle-tabakovic-hands-on-course-127338), and Pat Coon (https://lmtmag.com/seminars/ivotion-digital-denture-design-with-exocad-dentalcad-hands-on). For a full listing of speakers simply visit LMTmag.com and register today! Also, come and see us, Voices from the bench, as this will be our home from May 12-13th. Come by to say Hi and tell us what inspires you or give Ivoclar a ”Happy 100 year“ message. Candulor (https://www.candulor.com/en-us) a dental supply company from Switzerland has solutions no matter if you are analog or digital Check out their PhysioSet TCR (https://www.candulor.com/en-us/product-portfolio/tooth-lines/physioset-tcr) tooth line that has been complemented with 18 new shapes. A total of 48 age-appropriate anterior tooth shapes are available for the laboratory or dental practice to select from. The Swiss School of Prosthetics (https://ssop.swiss/en-us) in Springfield, Missouri is the place to learn all things removable. America with get supported and supplied by the only authorized partner Edmonds Dental Supply (https://edmondsdentalsupply.com/) Candulor, High End Only Bringing Dentures to Life, Featuring Sr Nexco® with Jenelle Tabaković at LMT Lab Day West show in Garden Grove California. (https://lmtmag.com/shows/lmt-lab-day-west-2023)In this hands-on course, Jenelle Tabaković teaches you how to take your dentures to the next level using SR Nexco Gingival Composite (https://www.ivoclar.com/en_us/products/removable-prosthetics/sr-nexco). Suitable for both analog and digital dentures, she leads you through a deep dive into the proper cutback, prep and glaze protocols. Space is limited. Light lunch is included. Register HERE! (https://www.eventbrite.com/e/bringing-dentures-to-life-featuring-sr-nexco-tickets-612495389197) Special Guests: Chet Spivey and Esther Schwenning.
Private Practice Success Stories
Should your private practice accept insurance? This is something that a lot of SLPs and OTs wonder about when they open their private practice. There are many things to consider, and in this episode of Private Practice Success Stories, I sat down with Lauren Hastings to dive into the topic. Lauren Hastings is a speech-language pathologist, private practitioner, doctoral student, advocate, and educator. Basically, Lauren is a multi-passionate person who I've gotten to know over the years because we're both committed to helping SLPs be successful in private practice. Lauren is very knowledgeable about insurance and third-party payer sources, and we get into a lively discussion about whether or not private practices should take insurance, higher credentials, and more. If you've been thinking about becoming an insurance provider in your private practice, this is a must-listen episode! In Today's Episode, We Discuss:The importance of mentors and a community when starting a private practiceLauren's private practice journeyTips for streamlining your systems in your private practiceHow boundaries help prevent burnoutWhat to consider when you are thinking about accepting insuranceWhy insurance is a great idea for most peopleWhat getting credentialed means and the process of doing itThe biggest mistake people make when applying for credentialingLaurens plans for the future of her business and why it's okay to pivotI hope you enjoyed this episode with Lauren. I love how committed she is to helping private practitioners navigate the insurance world and making it less overwhelming and scary. I also love that she isn't afraid to pivot and grow. To learn more about how we can help you start, grow and scale your private practice, please visit IndependentClinician.com. Whether you want to start a private practice or grow your existing private practice, I can help you get the freedom, flexibility, fulfillment, and financial abundance that you deserve. Visit my website www.independentclinician.com to learn more.Resources Mentioned: Follow Lauren on Instagram: https://www.instagram.com/sassyslp/?hl=enFollow Lauren on Facebook: https://www.facebook.com/LaurenHastingsSLP/Follow Lauren on LinkedIn: https://www.linkedin.com/in/lauren-hastings-m-s-ccc-slp-96942b36/Where We Can Connect: Follow the Podcast: https://podcasts.apple.com/us/podcast/private-practice-success-stories/id1374716199Follow Me on Instagram: https://www.instagram.com/independentclinician/Connect on Facebook: https://www.facebook.com/groups/slp.private.practice.beginners/
Retailers are warning insurance hikes in the wake of ram raids and other crime could force many out of business. Retail New Zealand says the rising costs mean more than eighty percent of its members are going underinsured. Bill Hickman reports.
We sit down with Personal Injury Attorney, Terrance Hogan, to discuss the relationship between a personal injury case and automobile insurance, and what you should and shouldn't do in the event of an accident. In this interview, Terry discusses the following:• The types and minimum amounts of automobile insurance that are required in Oregon.• Understanding how minimum and maximum coverage works in an accident.• What bodily injury and property damage liability covers.• The difference between liability coverage and personal injury protection (pip). • Coverages that pay if you or your passengers are injured in an accident, regardless of who is at fault.• When you should and shouldn't talk to insurance companies in the event of an accident. • What you need to be very aware of when providing a recorded statement.• Understand that the other person's insurance company is your adversary.• What happens if the other driver is uninsured.• Why you may need the assistance of an attorney even when talking with your insurance company about the accident.If you would like to speak with one of our attorneys, please call our office at (503) 227-0200, or visit our website at https://www.pacificcascadelegal.com.Disclaimer: Nothing in this communication is intended to provide legal advice nor does it constitute a client-attorney relationship, therefore you should not interpret the contents as such.
Host and Executive Business Coach Doreen Milano talks with Farmer's Insurance Agent Joe Cotter to discuss the ins and outs of your insurance coverage so you can make educated decisions.With Farmers, agents now have several insurance brands to offer, ensuring they can offer you the best protection. To work with Joe, call 469-277-6007.Doreen works with local small and mid-market businesses to help them take the big steps necessary for extreme and solid growth. Go to https://VisionsToExcellence.com to learn about her programs and get started in the right direction today.OBBM Network Podcasts offers over 30 podcast shows that support your life, your life in business, and information on local, state, and national education, politics, health, veteran, and first responder resources. Get them all at https://obbm.buzzsprout.com, where you can subscribe from your preferred platform.OBBM Network TV, including Big Ideas, Small Business TV, is also available on Roku:https://channelstore.roku.com/details/2d588bed3170f71fd5e7173e8732082d/obbm-network-tvhttps://channelstore.roku.com/details/101f2ae70aa49178939058e39fbf4697/big-ideas-small-business-tv-with-doreen-milanoOBBM Network programming is also available on Traverse TV Smart TV apps on Apple TV, Fire TV, and CBS Digital 55.11 serving 1.2M household subscribers, 70,000 hotel rooms throughout central Orlando, and reaches 6M viewers as far as South Carolina.Call 214-714-0495 for sponsor information today!This episode of Big Ideas, Small Business is made possible by:Move Freely America https://movefreelyamerica.orgTerrel Tipton, Insperity HR Services, 972-409-4316Big Feet Creations, 469-450-7350OBBM Network Brands, https://obbmnetworkbrands.comOBBM Network Podcasts, https://obbmnetworkpodcasts.comhttps://OBBMNetwork.comSupport the show
It's your fault. It's all your fault. Don't blame me and don't blame anyone else. You're building what you want to build so look in the mirror and own it. The size of your Book of Business is your own business but if you don't like what you're building then STOP AND BUILD SOMETHING ELSE. In this throwback episode of the Millionaire Insurance Producer podcast, Charles Specht will tell you what you need to do to stop thinking small, how to start thinking BIGGER, and what you need to change in order to achieve the new business revenue growth you want. Episode Highlights: Charles opens the episode by sharing with his listeners why he is angry. (1:39) Charles shares his experience with the two agents that he has encountered. (2:55) Charles mentions that sometimes you just have to take a step back and ask yourself, “What are you building?” (8:53) Charles talks about advising an agent to increase the size of the account that they ate prospecting. (12:36) Charles explains that he wants people to realize that there is no reason to stay small. (14:31) Charles shares that the best business lesson he learned was the power of thinking bigger. (17:38) Charles shares another story of an insurance agent that he has worked with and the power of thinking bigger. (20:00) Charles shares the reasons that keep him going, and keep him motivated to continue. (25:15) Charles closes the episode with the question, Are you choosing or just allowing things to happen? (27:37) Key Quotes: “I'm going to tell you why I'm not happy. I'm not happy because I am sick and tired of insurance agents thinking small, period.” - Charles Specht “Sometimes you just have to take a step back and ask yourself, ‘What am I building here? What actually am I putting into place? What am I creating?' You have to take a step back and do that every once in a while because you just don't realize what you're doing in the middle of it.” - Charles Specht “There's no reason why you have to stay small. It doesn't matter, whatever the case is if your agency isn't used to those types of accounts, it doesn't matter, write them, prospect them, you'll figure it out.” - Charles Specht Resources Mentioned: Reach out to Charles Specht Permission Network Insurance Agency, Inc.
The Insurtech Leadership Podcast
Jason Berkowitz is currently CEO and Founder of ArrowUp, providing restaurant safety, compliance & leadership. ArrowUp helps restaurant owners reduce risk, satisfy compliance regulations and develop a culture of safety. ArrowUp's Insurtech platform strengthens the relationship between the insured and insurer by utilizing tools to promote safe habits and capture data for enhanced underwriting, ultimately lowering risk and liability for insured restaurant owners. He is addressing a market size of $16B in restaurant claim payouts annually, in a culture where lawsuits and union suits are commonplace. ArrowUp makes restaurants safer by providing leadership development, lowering turnover and building upon the culture within an organization to avoid unnecessary lawsuits. The results have been tremendous, with restaurants seeing 30-50% risk reduction based on OSHA standards for its customers. Jason has opened over 50 restaurants, served as VP of Operations for Umami Burger, and COO and Partner for Tocaya Organica. Follow the Insurtech Leadership Podcast airing weekly hosted by Joshua R. Hollander. We give you up-close access and personal insights from the leaders of the fastest-growing #insurtechs and most innovative #insurance carriers and brokers.
The Ridiculously Amazing Insurance Podcast
Are you looking for tips on how to manage this insurance hard market? There is no playbook for this market. You have staffing shortages, carrier constrictions, rate increases and non-renewals. Every agency owner should be seeking the best information to help them through this insurance hard market. In this podcastwe will cover:
New car, caviar, think I'll buy me a football team. With multiples at an all-time high and a raft of recent broker sales, the DIPP guys take a deep dive into broker M & A. They dig into the motivations of brokers who are selling, debate whether niche brokers can survive, and discuss whether scale is the only competitive factor that works. Can strategic partnerships, clusters, and franchises drive this scale? M & A needs financing, so the guys get into the different styles of financing, whether that's financing for growth, acquisition, or succession. They also debate the pros & cons of getting your money from the banks, insurers, or VCs. What are the pros, cons, and fine print? Resources: Tom Reid Jeff Roy Steve Earle Adam Mitchell Digital Insurance Pint Podcast
The Fee for Service Dentist Podcast
Sponsored by Kettenbach Dental. Contact: (877) 532-2123 Website: www.kettenbach-dental.us Webshop: www.kettenbachusa.com Offer for Fee For Service Podcast Members Purchase a PreXion CBCT model and install by December 31, 2022 and Receive either a free mounting stand (if needed) or a $1,000 rebate in the form of an Amazon or Target gift card. To learn more, please visit https://www.prexion.com. FFS Podcast Promotional Links: ONLY $397: Dental Membership Master Course with Dr. Chris Phelps www.membershipmastercourse.com Dental Membership Direct www.dentalmembershipdirect.com Dental Financing Direct www.dentalfinancingdirect.com About Dr. Sonny Spera Dr. Sonny Spera graduated from Union Endicott High School in 1981. With a four-year basketball scholarship he graduated from Syracuse University in 1985; majoring in Chemistry and Psychology. He was a member of the Sigma Alpha Mu fraternity. He was also the co-captain of the 1984-1985 Syracuse basketball team. Dr. Spera graduated from SUNY Buffalo Dental School in 1989 in the top 10% of his class. At SUNY Buffalo Dental School he was a member of the Omicron Kappa Upsilon Honorary Society. He was also UB Graduate Assistant Basketball coach. Dr. Spera has been in private practice since 1989 and is a member of the American Dental Association, the New York State Dental Association, the Sixth District Dental Society and the Broome County Dental Society. He is also a member of the International Association of Orthodontics, the BC Dental Society and the BCDS Study Club. Away from the office, he volunteers with several community organizations, including the Elks Club, the Son's of Italy, the STNY Flyers, the Academy of General Dentistry, and the Basketball Coaches Association of New York. He is the founder and president of ME Hoops Inc. Dr. Spera currently resides with his wife Angela, whom he met at Syracuse University, and their three children, Marcus, Erica, and Carla. In his spare time, he enjoys spending time with his family, basketball, golf, music and movies. 607-624-2962 (Cell) Sonnyspera@gmail.com Www.progressivedentalny.com Do you have a FFS practice? Would you like to be interviewed? Fill out the FFS Stories request form here: https://goo.gl/forms/7TaUF9Nqi49l1RFF2
Mark Klein: Seit 2016 CDO bei ERGO - heute Gast in unserem Podcast. Baaaaam! Hört rein und erfahrt, was einer der dienstältesten CDOs der Branche zu sagen hat. Wir sprechen mit Mark über die Besonderheiten der Digitalisierung im Vergleich zu anderen Branchen. Wie er seine Digitalstrategie 2016 entworfen hat und welche Änderungen es bis heute gab. Was sind die Lessons learned und woran glaubt Mark Richtung Zukunft. Super spannend ist der Bericht seiner kürzlichen USA Reise und seine Erfahrungen mit Metaverse und Chat GPT. Somit der perfekte Abriss der Digitalisierung und Innovation innerhalb der Versicherungsbranche der letzten Jahre bis heute und für die mögliche Zukunft.Folge uns auf unserer LinkedIn Unternehmensseite für weitere spannende Updates.Unsere Website: https://insurancemonday.de/Du möchtest Gast beim Insurance Monday Podcast sein? Schreibe uns unter firstname.lastname@example.org und wir melden uns umgehend bei Dir.Vielen Dank, dass Du unseren Podcast hörst!
Kin's mission is to reimagine home insurance For Every New Normal. Kin is built for the future and prepared to meet its challenges head on while helping our customers do the same. Levering business tech innovation, they bring affordable pricing without compromising coverage and service to their customers. Our guest for this episode is returning Sean Harper, Co-Founder & CEO of Kin. With almost four years since our first conversation with Sean (Episode 53), it was about time for us to revisit and see what Kin is up to. Join Sean, Rob, and Lee as they talk about Kin, what's changed since in the past four years, business models, D2C, and much more. To learn more about Kin, visit https://www.kin.com. Like what you hear on FNO: InsureTech? Know someone who would be a great guest for the podcast? Let us know: Email us at email@example.com.
Matt Planeta is a vice president of Heffernan Insurance Brokers and he speak with John Kingston about the upward push in insurance rates that has been burdening trucking for several years now and whether there might be relief ahead.Follow the Drilling Deep PodcastOther FreightWaves Shows
Renovating Retirement With Charlie Jewett
Today we reveal three tricks to dramatically increase retirement income, including the often overlooked benefits of reverse mortgages and annuities. Eliminate bills. It's awesome. - Charlie Jewett Tired of seeing people struggle to make ends meet in their golden years, we have dedicated ourselves to finding innovative ways to increase retirement income. Discover the power of annuities as an alternative to traditional stock market investments. After listening to this episode, you will be able to: Boost your retirement resources by harnessing the benefits of annuities. Explore the hidden value of reverse mortgages for a financially stable retirement. Learn clever tactics to amplify annuity benefits, securing your financial future. Unravel the riddles of "fake math" and demystify perplexing pension structures. Forge a dependable and perpetual income channel through annuity expertise. If you have any questions, we are more than happy to answer them. Just reach out to firstname.lastname@example.org, anytime! For more info, episodes, and notes, head on over to https://renovatingretirement.com Thanks for listening, and please subscribe to or follow the podcast wherever you get your podcasts from and be sure to share with your friends and family as well. Thanks again! About Charlie Jewett Charlie Jewett is an author, speaker, recruiter, trainer, consumer advocate and investment advisor from San Diego, CA. As the “Financial Services Whistleblower” Charlie has been trying to change the way that industry professionals and consumers think about retirement since 2005. With considerable years of experience and an array of professional certifications, Charlie focuses on stock market alternatives combined with tax-free retirement income and provides educational materials that help people to create their ideal retirement plan. He is the host of two podcasts, Renovating Retirement and Target Practice for Advisors, as well as the author of “Renovating Retirement” and “Two Ways to Be Debt Free”, both available on Amazon Kindle. About Bobby Alford Bobby Alford has walked an unconventional path to becoming the CEO of Renovating Retirement. He spent 10 years in the US Submarine force, both as an officer and enlisted person, earning a degree in nuclear engineering along the way. Bobby then joined corporate America and worked for a Fortune 50 company in operations, finance, and sales management roles. After getting his MBA, he began working with military veterans to improve their retirement options. At that point, he found Charlie Jewett and learned how to truly impact a person's financial life using the MERIT model of planning. Bobby joined Charlie and now uses his skills to grow their company toward achieving the goal of creating $1 billion dollars of annual tax-free money for their clients.
Here's the deal: You plan the absolute hunt-of-a-lifetime many months in a advance and then--BAM--when you least expect it, expect it. Life happens! Your long-awaited hunting trip is interupted, cancelled or worse. Now what? After 20-plus years organizing hunts worldwide, we've seen it all. Global Rescue's Justin Walker and Ramsey discuss sticky and unfortunate clients experiences they've seen over the years, discussing best and most affordable options for anyone hunting anything, anywhere. Whether hunting a couple states over or traveling internationally, learn how to smartly protect your hard-earned monies spent on hunting trips. __________ GetDucks affordable trip protection is available to anyone traveling anywhere. Covering you from doorstep to your destination, and everywhere in between, confidently protect your trip-of-a-lifetime adventure from life's unexpected moments. GetDucks Trip Protection https://www.getducks.com/getducks-trip-protection/ __________ Podcast Sponsors: BOSS Shotshells https://bossshotshells.com/ Benelli Shotguns https://www.benelliusa.com/shotguns/waterfowl-shotguns Tetra Hearing https://tetrahearing.com/ Ducks Unlimited https://www.ducks.org Mojo Outdoors https://www.mojooutdoors.com/p Tom Beckbe https://tombeckbe.com/ Flash Back Decoys https://www.duckcreekdecoys.com/ Voormi https://voormi.com/ GetDucks.com USHuntList.com It really is duck season somewhere for 365 days per year. Follow Ramsey Russell's worldwide duck hunting adventures as he chases real duck hunting experiences year-round: Instagram @ramseyrussellgetducks YouTube @GetDucks Facebook @GetDucks.com Please subscribe, rate and review Duck Season Somewhere podcast. Share your favorite episodes with friends! Business inquiries and comments contact Ramsey Russell email@example.com
Dark Side of Wikipedia | True Crime & Dark History
Tune in to this compelling episode featuring the testimony of Dr. Bruce Mattingly in the Lori Vallow Daybell trial. As an expert in insurance, Dr. Mattingly breaks down the complex financial aspects of the case and uncovers potential motives. Don't miss this essential piece of the puzzle, as we continue to unravel the intricate web of events in the Lori Vallow Daybell story. Want to listen to ALL of our Podcasts Ad-Free? Subscribe through Apple Podcasts, and try it for 3 days free: https://tinyurl.com/ycw626tj Follow Our Other Cases: Hidden Killers With Tony Brueski (All Cases) - https://audioboom.com/channels/5040505-hidden-killers-with-tony-brueski-breaking-news-commentary Chad & Lori Daybell - https://audioboom.com/channels/5098105-demise-of-the-daybells-the-lori-chad-daybell-story The Murder of Ana Walshe - https://audioboom.com/channels/5093967-finding-ana-this-disappearance-of-ana-walshe Alex Murdaugh - https://audioboom.com/channels/5097527-the-trial-of-alex-murdaugh The Idaho Murders, The Case Against Bryan Kohberger - https://audioboom.com/channels/5098223-the-idaho-murders-the-case-against-bryan-kohberger Lucy Letby - https://audioboom.com/channels/5099406-nurse-of-death-the-lucy-letby-story Follow Tony Brueski On Twitter https://twitter.com/tonybpod Join our Facebook Discussion Group: https://www.facebook.com/groups/834636321133
Syndication Made Easy with Vinney (Smile) Chopra
Apartment Syndication Made Easy with Andy Gurczak Hiring a public adjuster can provide numerous benefits when it comes to maximizing your insurance settlement. Here are some of the key advantages: Expertise and Experience: Public adjusters are licensed professionals who specialize in evaluating, negotiating, and settling insurance claims. They have extensive knowledge and experience in navigating the insurance claims process, interpreting policy language, and determining the full scope of damages that should be covered by your insurance policy. Time and Stress Savings: Filing an insurance claim can be a time-consuming and stressful process, especially if you are dealing with a complex or large loss. Hiring a public adjuster can alleviate this burden by handling all aspects of the claims process on your behalf, from documenting and estimating damages to negotiating with your insurance company. Maximized Settlements: Public adjusters work on a contingency fee basis, meaning they only get paid a percentage of the settlement amount. As a result, they have a vested interest in maximizing your settlement and will use their expertise and experience to ensure that you receive the full amount that you are entitled to under your policy. Improved Communication: Insurance policies can be complex and difficult to understand, and insurance companies may use confusing or vague language when communicating with policyholders. A public adjuster can act as a liaison between you and your insurance company, ensuring that you fully understand your policy and that your insurer communicates with you clearly and honestly throughout the claims process. Fairness and Objectivity: Insurance companies are for-profit businesses that are motivated to minimize payouts on claims. A public adjuster can provide an objective assessment of your damages and ensure that you receive a fair settlement that covers the full cost of your losses. In summary, hiring a public adjuster can provide numerous benefits when it comes to maximizing your insurance settlement. By leveraging their expertise and experience, a public adjuster can help you navigate the claims process, save you time and stress, and ensure that you receive a fair and equitable settlement that fully covers your losses. Watch the Full Video here: https://youtu.be/GND23qnw5J4 Don't forget to head over to iTunes to subscribe, rate, and leave a review. It's very much appreciated. https://podcasts.apple.com/us/podcast/syndication-made-easy-with-vinney-smile-chopra/id1473126675 INVEST with Vinney [Accredited Investors ONLY]: https://vinneychopra.com/invest/ https://www.accreditedinvestor.blog/book-a-call LEARN from Vinney: https://vinneychopra.com/mentoring Want more information about value-add multifamily investment properties? Click here: https://multifamilymentor.blog
Thrivetime Show | Business School without the BS
Clay Clark Testimonials | "Clay Clark Has Helped Us to Grow from 2 Locations to Now 6 Locations. Clay Has Done a Great Job Helping Us to Navigate Anything That Has to Do with Running the Business, Building the System, the Workflows, to Buy Property." - Charles Colaw (Learn More Charles Colaw and Colaw Fitness Today HERE: www.ColawFitness.com) See the Thousands of Success Stories and Millionaires That Clay Clark Has Coached to Success HERE: https://www.thrivetimeshow.com/testimonials/ Learn More About Attending the Highest Rated and Most Reviewed Business Workshops On the Planet Hosted by Clay Clark In Tulsa, Oklahoma HERE: https://www.thrivetimeshow.com/business-conferences/ Download A Millionaire's Guide to Become Sustainably Rich: A Step-by-Step Guide to Become a Successful Money-Generating and Time-Freedom Creating Business HERE: www.ThrivetimeShow.com/Millionaire See Thousands of Actual Client Success Stories from Real Clay Clark Clients Today HERE: https://www.thrivetimeshow.com/testimonials/