Podcast appearances and mentions of Mark Klein

Join #All2ReelToo as we travel back to the '90s for a thrilling #scifi #horror adventure in #TheFaculty (1998)! When students at Harrington High realize their teachers are acting stranger than usual, they team up to uncover the #alieninvasion at their school.

Get ready for a wild ride with #All2ReelToo as we dive into the #SoBadItsGood movie, #NothingButTrouble (1991)

The Israeli government, with the full backing of the White House, has completely thrown out the January ceasefire and negotiations and resumed the genocidal bombing campaign against Palestinians in Gaza, which may be followed up by a full-scale ground invasion. Over 400 people were killed, including over 170 children, in Israeli air strikes on Monday night. It was the deadliest nights of the last 15 months in Gaza, since November 7, 2023, and the death toll may end up being significantly higher.Benjamin Netanyahu has threatened that “this is only the beginning,” and the Foreign Minister Gideon Sa'ar said that the attacks are “not a one-day operation” of its war to exterminate or expel the Palestinian people, Protests across the country and the world are responding to the latest Israeli attack, which could not have been carried out with political and military support from the United States - including the F-16 and F-35 planes that are continuing to drop bombs as we record.On this episode, we discuss how Israel destroyed the ceasefire, how the ruling class wants the detention of Mahmoud Khalil and attacks on other Palestine solidarity activists to have a chilling effect on protests, the use of the Alien Enemies Act against Venezuelan immigrants, and we honor AT&T whistleblower Mark Klein.Support the show

Mark Klein calls OpenAI the "leader" of the A.I. space, backed by U.S. commitment in the industry through Stargate. He talks about other investments in A.I. IPOs building momentum behind the trend. He also talks about companies like Liquid Death and Whoop throwing a Hail Mary to potential customers by purchasing their first-ever Super Bowl commercials.======== Schwab Network ========Empowering every investor and trader, every market day.Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/About Schwab Network - https://schwabnetwork.com/about

Get ready for an #OutOfThisWorld #Holiday episode of #Farscape S4.E13! #JohnCrichton is finally #home on #Earth, but can he adjust to life after his #intergalactic adventures? Join Crichton and the #MoyaCrew as they relax and enjoy their #VIP treatment. Will Crichton find his place back on Earth or is his heart still among the stars?

Get ready for a wild ride!

We talk with the owner of Derby Tees and Derby Nation. TV, the one and only Mark Klein. We talk about how these businesses came to be and how his son CJ is taking the rains on the driving aspect of it. Hope you enjoy the listen

Dr. Mark Klein, author and physician, discusses how adopting an aerial view can bring clarity to life's disruptions part four.

Dr. Mark Klein, author and physician, discusses how adopting an aerial view can bring clarity to life's disruptions in part three.

Dr. Mark Klein, author and physician, discusses how adopting an aerial view can bring clarity to life's disruptions in part two.

Dr. Mark Klein, author and physician, discusses how adopting an aerial view can bring clarity to life's disruptions.

Mark Klein: Life Solved Mark Klein is a middle-aged man from Louisville, Kentucky. He brings with him a short list of bad habits, the five compromises of marriage, the miracle of the free society, and life's most important lesson. COMEDY DYNAMICS YouTube Facebook X (Twitter) TikTok Instagram Learn more about your ad choices. Visit podcastchoices.com/adchoices

Comedian and Kentucky Derby expert Mark Klein calls in to the show today! We're also joined by Jeff Oskay with What You Failed To Mention News and Ed Septic's Kentucky Derby predictions! Plus, we talk emotional support gators, audio emojis, and Jerry Seinfeld's new movie Unfrosted, on Netflix now! Enjoy every segment of today's BOB & TOM Show. Join Tom Griswold, Chick McGee, Kristi Lee, Josh Arnold, Pat Godwin, and Willie Griswold for a blend of comedy, talk, news, and sports. Avoid the commercials and get the full show without ads through B&T VIP. Subscribe now at BobandTom.com/VIP. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Dive into the heart of Kentucky with Mark Klein, where the state motto might as well be "If it kills you, we make it." In this laugh-out-loud FOQN Funny special, Klein takes us on a journey from his Louisville roots to the universal changes that life throws at everyone. With a wit as sharp as a bourbon's bite, he explores the irony of growing up in a state famous for its dangerous exports while personally giving them up – no small feat for a man who can't remember a whole decade thanks to bourbon's embrace. But it's not just about what Kentucky makes; it's about the changes we all face, from mysterious knee pains to the transformation of a wallet from a treasure trove of adventure to a catalog of middle-aged concessions. Klein's humor touches on the universal truths of aging, relationships, and the oddities of life that keep us laughing through the pain. Whether you're a fan of bourbon or baseball, cigarettes or chicken, Mark Klein's unique perspective on life's inevitable changes, seasoned with a healthy dose of Kentucky humor, is an escapade you don't want to miss. For a journey through life's ups and downs with someone who's seen it all (or at least most of it), saddle up and head over to foqnfunny.com. Love what you're hearing on FOQN Funny? Go a step further and become a member of FOQN Funny+. Enjoy exclusive perks and never-ending laughter. Join now at: https://plus.acast.com/s/foqn-funny. Hosted on Acast. See acast.com/privacy for more information.

In dieser Folge des Digital Insurance Podcast spreche ich darüber, wie sich die "SZ-Fachkonferenz: The Digital Insurance" im Vergleich zu anderen Veranstaltungen dieser Art schlägt. Ich war vor kurzem auf der SZ-Fachkonferenz: The Digital Insurance. Thema: “Gamechanger KI - Die Technologie- und Kommunikationsrevolution.” Mit dabei waren u. a. Mark Klein und Benedikt Kalteier, die bereits in meinem Podcast waren: Zu der Episode mit Mark Klein Zu der Episode mit Benedikt Kalteier Wieder einmal das Thema KI. Ich finde, man hat hier jedoch einen guten Einblick dafür erhalten, wie die Branche darüber denkt und wo sie aktuell steht. Wirklich interessant wurde es vor allem bei der 2. Veranstaltung: dem Digitalen Leuchtturm. Hier wurden eingesandte Projekte nominiert und ausgezeichnet. Am Ende wurden Projekte prämiert, die ich ebenfalls spannend finde. Mit dentolo haben Peter Stockhorst und René Billing von der DA Direkt einen digitalen Vertriebskanal aufgebaut. Von dessen Erfolg waren sie wohl selbst überrascht. Mit Peter habe ich übrigens auch schon einige Episoden aufgezeichnet: Zu den Episoden mit Peter Stockhorst Mein Fazit zum gesamten Event: Die Konferenz tagsüber unterscheidet sich nur geringfügig von anderen Veranstaltungen dieser Art. Wer allerdings an KI interessiert ist, für den ist die SZ-Fachkonferenz einen Blick wert. Der wirkliche Bringer ist indes der Digitale Leuchtturm. Hier bekomme ich konkret umgesetzte Projekte zu sehen. Am 31.1.24 und am 1.2.24 findet der nächste SZ-Versicherungstag statt, Veranstalter ist SV-Veranstaltungen. Links in dieser Ausgabe Zum LinkedIn-Profil von Jonas Piela Vertrauen Sie auf Ihren guten Ruf? Er ist Ihr Versprechen an Ihre Kunden. Mit ProvenExpert bauen Sie online Vertrauen auf, indem Sie authentische Kundenstimmen nutzen und sichtbar werden. Für unsere Hörer gibt es hier alle Infos sowie ein exklusives Angebot, um eure Online Sichtbarkeit durch Kundenbewertungen auf ein neues Level zu heben! geht es zu Ihrem exklusiven Angebot als Zuhörer des Digital Insurance Podcasts. ProvenExpert – Für alle, die wissen, dass Vertrauen mehr wert ist als Gold Du interessierst dich für die Digitalisierung der Versicherungsbranche und hast Freude an Kundenkontakten? Dann werde Junior Sales Manager beim Digital Insurance Podcast! Wir bieten dir flexible Arbeitszeiten, remote Arbeiten und Freiraum für deine Ideen. Bewirb dich jetzt! Mehr Infos findest du auf der LinkedIn Page des Digital Insurance Podcast und HIER Wir freuen uns auf deine Bewerbung!

In dieser Episode begrüßt Dominik Badarne den Gast Mark Klein, um über Digitalisierung und Innovation zu sprechen. Marc Klein, der CDO der ERGO Versicherung, teilt seine Erfahrungen aus der Telekommunikationsbranche und berichtet über seine Fokussierung auf die digitale Transformation der ERGO Gruppe. Die Diskussion umfasst die Unterschiede zwischen den Branchen, den Einsatz neuer Technologien, die Implementierung von KI und Robotics sowie die Bedeutung der kulturellen Transformation. Zudem erhältst du Einblicke in die Verwendung von Virtual Reality bei der ERGO Versicherung und erfährst, wie Mark Klein soziale Produkte bei Airbo vorantreibt. Du möchtest mehr über die digitale Transformation und innovative Technologien in der Versicherungsbranche erfahren? Dann bleib dran und tauche mit uns in die Welt des Metaverse, der Künstlichen Intelligenz und der digitalen Zukunft ein!Werbung Podcast Ad zu AG1⏐Informiere dich jetzt auf drinkAG1.com/digitaldean zu gesundheitsbezogenen Angaben und hole dir AG1 im Abo nach Hause, ganz ohne Vertragslaufzeit. Sichere dir bei deiner AG1 Erstbestellung einen gratis Jahresvorrat an Vitamin D3+K2 & 5 Travel Packs!DominikLinkedIn: https://www.linkedin.com/in/dominikbadarne/XING: https://www.xing.com/profile/Dominik_BadarneWeitere interessante Einblicke zur digitalen Transformation findest Du hier: https://bit.ly/30GFcEr. Danke, dass Du unseren Podcast hörst. 

In dieser Episode spreche ich mit Mark Klein, Chief Digital Officer (CDO), ERGO Group AG. Wir sprechen über folgende Themen: Warum sie mit Prozessautomatisierung begonnen haben Tipps für schnelle Erfolge in der Anfangsphase der Automatisierung Wie Fachbereiche und ein Center of Excellence am besten zusammenarbeiten - von der Idee bis zur Automatisierung Die wichtigsten KPIs für ein Center of Excellence Erhalte jede Woche aktuelle Strategien in dein E-Mail Postfach: https://www.stateofprocessautomation.com/ Podcast-Moderator: Christoph Pacher LinkedIn Interviewgast: Mark Klein, Chief Digital Officer (CDO), ERGO Group AG LinkedIn

Spricht man mit Eric Bussert, dem Vorstand Vertrieb und Marketing bei der HanseMerkur, über die Versicherungsbranche im Jahr 2030, dann kann er sich vollautomatische Schadensregulierung vorstellen, da die Branche nicht so träge ist, wie sie immer dargestellt wird, oder er sieht Quantensprünge in der Medizin, die auch Auswirkungen auf Versicherungsprodukte haben werden. Trotz vieler Veränderungen, die er auf uns zukommen sieht, ist er sich allerdings ebenso sicher: „Egal ob in der Cloud oder auf der Couch, auch in Zukunft findet persönliche Beratung statt.“ Darüber und über vieles mehr sprechen wir im Exklusiv-Interview zur Zukunft der Versicherungsbranche im Jahr 2030. Wie sieht die Versicherungsbranche am 3. Februar 2030 aus? Diese Frage stellten wir im vergangenen Jahr der Branche und uns erreichten eine Vielzahl an Antworten. Außerdem sprachen wir darüber mit den Verantwortlichen bei Google, Meta oder IBM und dazu noch mit Zukunftsforschern, Professoren und verschiedensten Experten. Woraus am Ende eine gleichnamige Podcast-Trilogie entstand. In diesem Jahr sprechen wir den Vorständen der Versicherungsbranche ausführlich über das gleiche Thema. So waren bereits Thomas Bischof, Vorstandsvorsitzender der Gothaer Allgemeine Versicherung AG, Mark Klein, Chief Digital Officer der ERGO oder Martin Gräfer, Vorsitzender des Vorstands von die Bayerische, zu Gast. Dieses Mal sprachen wir mit Eric Bussert, Vorstand Vertrieb und Marketing bei der HanseMerkur, u.a. über die folgenden Themen: Wie sieht 2030 Versicherungsbranche aus? Wie sieht die Welt 2030 aus? Wie schaut es mit Remote-Arbeiten in der Versicherungsbranche in Zukunft aus? Wie läuft Kundenberatung in Zukunft aus? Wollen kunden alles selber regeln oder Ansprechpartner? Wie läuft der Standard-Kundenerlebnis 2030 aus? Wird KI die persönliche Beratung ersetzen? Werden Amazon & Co. Versicherungsanbieter? Werden Sprachassistenten Standard sein im Kundenerlebins Wie wird die Schadensmeldung 2030 sein Wird vollautomatische Schadensmeldung und Schadensbearbeitung im Smarthome 2030 flächendeckend sein? Ist es regulatorisch und von den Prozessen bei den Versicherungen denkbar? Wird das Metaverse ein relevanter Vertriebsweg 2030 sein? Wird es neue Versicherungsprodukte in Zukunft geben? Was für neue Gesundheitsprodukte wird es in Zukunft geben? Außerdem sprechen wir u.a. darüber, ob Jugendliche 2030 überhaupt noch einen Führerschein machen müssen, wie Leistungsfähig die Branche in Sachen Digitalisierung ist, wie gut Versicherer schon heute aufgestellt sind oder warum er sich beim Metaverse eher schwer tut. Zum Schluss gibt auch Eric Bussert seine Einschätzung dazu ab, wieviel Faxe die Versicherungsbranche am 3. Februar 2030 versenden wird und verrät, was er seinem Zukunfts-Ich sagen möchte. Das ganze Gespräch finden Sie hier. Hören Sie es sich an. Es lohnt sich!

„Schon heute braucht man für 90 % der Versicherungsprodukte keine Beratung. Das bilden sich nur Leute ein, die sich von Berufswegen das einbilden müssen.“ Davon ist Dr. Stefan M. Knoll, CEO der Deutschen Familienversicherung, überzeugt und deswegen glaubt er auch nicht, dass in Zukunft in der Versicherungsbranche menschliche Beratung notwendig ist. Das trifft jedoch nicht auf das Jahr 2030 zu. Denn das ist bekanntlich bereits in 7 Jahren und „7 Jahre sind für die Versicherungsbranche ein Wimpernschlag. Da wird sich allgemein nicht viel verändern.“ Was sich im Einzelnen verändern wird, wie sich die Branche insgesamt verändert, wie die Deutsche Familienversicherung daran mitarbeitet und über vieles mehr sprechen wir im Exklusiv-Interview zur Zukunft der Versicherungsbranche im Jahr 2030. Wie sieht die Versicherungsbranche am 3. Februar 2030 aus? Diese Frage stellten wir im vergangenen Jahr der Branche und uns erreichten eine Vielzahl an Antworten. Außerdem sprachen wir darüber mit den Verantwortlichen bei Google, Meta oder IBM und dazu noch mit Zukunftsforschern, Professoren und verschiedensten Experten. Woraus am Ende eine gleichnamige Podcast-Trilogie entstand. In diesem Jahr sprechen wir den Vorständen der Versicherungsbranche ausführlich über das gleiche Thema. So waren bereits Thomas Bischof, Vorstandsvorsitzender der Gothaer Allgemeine Versicherung AG, Mark Klein, Chief Digital Officer der ERGO oder Martin Gräfer, Vorsitzender des Vorstands von die Bayerische, zu Gast. Dieses Mal sprachen wir mit Dr. Stefan M. Knoll, Vorstandsvorsitzender bei Deutsche Familienversicherung, u.a. über die folgenden Themen: Wird KI den Versicherungsvertrieb verändern? Wie sieht das Standard-Kundenerlebnis 2030 aus? Brauchen wir noch Versicherungsberatung? Wird KI die Berater ablösen? Glauben Sie, dass der Mensch aus der Beratung rausfällt? Woher weiß der Kunde, dass er ein Produkt braucht? Werden Sprachassistenten im Versicherungsvertrieb Standard sein? Glauben Sie, dass die Big-Techs eigene Versicherungen anbieten werden? Sind Insurtechs in Zukunft noch relevant oder ist das in Zukunft ein Begriff wie heute das Wort „Web 2.0“ Ist die Branche 2030 perfekt durchdigitalisiert? Wie wird die Schadenabwicklung 2030 sein? Glauben Sie an eine vollständige digitale Schadensmeldung bspw. beim Wasserschaden? Wie läuft die Schadenregulierung 2030? Wird die Deutsche Familienversicherung im Metaverse sein? Über Datenschutz und Tracking und mbedded Insurance in Zukunft Welche neuen Versicherungsprodukte wird es in der Virtual Reality geben? Welche neuen Versicherungsprodukte wird es in der Virtual Reality geben? Das ganze Gespräch finden Sie hier. Hören Sie es sich an. Es lohnt sich!

Martin Gräfer, Vorstand bei die Bayerische, ist überzeugt: „Die Zeit der Bots ist vorbei, bevor sie überhaupt richtig begonnen hat.“ und „Die persönliche Kommunikation wird massiv zunehmen.“ Und das sind nur zwei Punkte über die wir ausführlich mit ihm im Exklusiv-Interview zur Zukunft der Versicherungsbranche im Jahr 2030 (und manchmal auch etwas später) sprechen. Wie sieht die Versicherungsbranche am 3. Februar 2030 aus? Diese Frage stellten wir im vergangenen Jahr der Branche und uns erreichten eine Vielzahl an Antworten. Außerdem sprachen wir darüber mit den Verantwortlichen bei Google, Meta oder IBM und dazu noch mit Zukunftsforschern, Professoren und verschiedensten Experten. Woraus am Ende eine gleichnamige Podcast-Trilogie entstand. In diesem Jahr sprechen wir den Vorständen der Versicherungsbranche ausführlich über das gleiche Thema. So waren bereits Thomas Bischof, Vorstandsvorsitzender der Gothaer Allgemeine Versicherung AG, oder Mark Klein, Chief Digital Officer der ERGO, zu Gast. Dieses Mal sprachen wir mit Martin Gräfer, Vorsitzender des Vorstands von die Bayerische Allgemeine Versicherung AG, u.a. über die folgenden Themen: Die Unterschiede zwischen Deutschland und Japan und warum sich Deutschland nicht verstecken muss? Wie man eine Japanreise mit Hilfe von TikTok plant und alles sieht, was man gesehen haben sollte? Warum die Zeit der Bots schonwieder vorbei ist, die Bayerische schon im vergangenen Jahr die Investitionen in Chatbots gestoppt hat und worin sie stattdessen investieren? Was eine größere Gefahr als die Big-Techs für die Versicherungsbranche ist, als die Big-Techs wie Amazon, Google, Meta & Co.? Warum die persönliche Kundenkommunikation massiv zunehmen wird? Wie sieht 2030 ein typischer Beratungsprozess in der Branche aus? Warum Vermittler in Zukunft mehrere Avatare haben, die dann für sie beraten werden? Werden Kunden in Zukunft Versicherungen über Sprachassistenten abschließen und werden Alexa & Co. die Beratung übernehmen? Wie wird 2030 eine Schadenmeldung im Idealfall ablaufen? Warum die Regulatorik und insbesondere die DSGVO gut ist und auch in Zukunft gut sein wird. Wird das Metaverse 2030 ein Standard-Kommunikationskanal sein? Welche neuen Versicherungsprodukte wird es in der Virtual Reality geben? Außerdem redeten wir darüber, wie er seine Japanreise via TikTok geplant hat, wo das Problem bei Autoherstellern und den Daten der Fahrer liegt und warum die Zeit der Bots vorbei ist, bevor sie überhaupt richtig begonnen hat. Abschließend beantwortet auch Martin Gräfer die Frage, wieviel Faxe die Bayerische und die Versicherungsbranche am 3. Februar 2030 versenden wird und was er seinem Zukunfts-Ich sagen möchte.

Wer etwas bewegen will, muss sich einbringen! Genau dieses Motto verfolgt Familienunternehmer Mark Klein, der in 2. Generation als Geschäftsführer die Inovator Schnelllauftore GmbH leite, das größte Fachunternehmen für Tor- und Türanlagen in NRW mit Sitz in Langenfeld mit 85 Mitarbeitern an zwei Standorten.In seiner Freizeit engagiert er sich darüber hinaus ehrenamtlich in mehreren Organisationen und übernimmt dort Verantwortung als Landesvorsitzender der Wirtschaftsjunioren NRW, als Vorstandsmitglied des Industrievereins Langenfeld, als stellv. Vorsitzender des IHK-Ausschusses für Langenfeld / Monheim und als Handelsrichter am Landgericht Düsseldorf. Außerdem ist er gerade frisch gebackener Vater geworden, und nun gilt es den Spagat hinzubekommen zwischen Beruf, Ehrenamt und Freizeit.Dass dies aber ein für den engagierten Unternehmer wichtiges Unterfangen und eine Herzensangelegenheit ist, wird deutlich, wenn man sich mit dem 37-Jährigen unterhält. Denn für ihn ist klar – Ehrenamt ist in unserer Gesellschaft ein wichtiges, aber auch unverzichtbares Gut!Mit unserer Moderatorin Andre Greuner spricht er in der aktuellen Folge von Wirtschaft Düsseldorf Unplugged über seine Aufgaben als Geschäftsführer eines Familienunternehmens in 2. Generation und warum bzw. wie das Engagement bei den Wirtschaftsjunioren einen perfekten Mehrwert leistet. Was ihn an seinen vielfältigen Aufgaben begeistert und wie ihn sein ausgeprägtes Netzwerk bereichert. Viel Freude mit einer neuen Folge von „Wirtschaft Düsseldorf unplugged“!

Dein Update zur Digitalisierung der Versicherungsbranche. In dieser Folge des Digital Insurance Podcast spreche ich mit Mark Klein, Chief Digital Officer (CDO) der ERGO Group AG. Die ERGO Group ist ein deutscher Versicherer mit einem Prämienvolumen in Höhe von knapp 20 Milliarden Euro. Sie sind als Multi-Liner in Europa und Asien unterwegs. Mark Klein beschäftigt sich bei der ERGO Group mit dem Metaverse. Den Unterschied zu Virtual Reality sieht Mark in den vielfältigen Interaktionsmöglichkeiten mit anderen Menschen in Echtzeit. Auf die Versicherungsbranche bezogen ergeben sich einige spannende Use Cases. Mark sagt, es geht darum, “Erlebnisse zu kreieren” und den Nutzen der Versicherungsprodukte aufzuzeigen. Mithilfe der Technologie lässt sich beispielsweise eine ausgebrannte Küche samt der abgesicherten Gegenstände visualisieren. Weitere Use Cases sieht Mark in den Trainings, die bereits durchgeführt werden. Hier können Gesprächssituationen in Agenturen trainiert und die Beratungsqualität erhöht werden. Es wurden vonseiten der ERGO bereits hunderte Trainings veranstaltet und Lizenzen verkauft. Hinzukommen Echtzeit-Konferenzen und Meetings, die über das Metaverse abgehalten werden können. Links in dieser Ausgabe Zur Homepage von Jonas Piela Zum LinkedIn-Profil von Mark Klein Vertrauen Sie auf Ihren guten Ruf? Er ist Ihr Versprechen an Ihre Kunden. Mit ProvenExpert bauen Sie online Vertrauen auf, indem Sie authentische Kundenstimmen nutzen und sichtbar werden. Für unsere Hörer gibt es hier alle Infos sowie ein exklusives Angebot, um eure Online Sichtbarkeit durch Kundenbewertungen auf ein neues Level zu heben! geht es zu Ihrem exklusiven Angebot als Zuhörer des Digital Insurance Podcasts. ProvenExpert – Für alle, die wissen, dass Vertrauen mehr wert ist als Gold KI, Dynamisches Pricing, Embedded Insurance, Nutzungsbasierte Versicherung – Keylane setzt diese Themen bereits seit Jahren erfolgreich mit ihren Kunden um. Willst Du wissen, wie das funktioniert? Folge oder schreibe Keylane bei LinkedIn. Keylane – Unlock tomorrow! Das Digital Insurance Job Board ist live! Du suchst einen Job im Versicherungsumfeld mit Perspektive, spannenden Themen und in einem innovativen Team? Hier findest du die aktuellsten Stellen rund um Digital Insurance im DACH Raum.

Wie sieht die Versicherungsbranche am 3. Februar 2030 aus? Diese Frage stellten wir im vergangenen Jahr der Branche und uns erreichten eine Vielzahl an Antworten. Außerdem sprach ich darüber mit den Verantwortlichen bei Google, Meta oder IBM und dazu noch mit Zukunftsforschern, Professoren und verschiedensten Experten. Woraus am Ende eine gleichnamige Podcast-Trilogie entstand. In diesem Jahr sprechen wir den Vorständen der Versicherungsbranche ausführlich über das gleiche Thema. Nachdem wir in der letzten Folge mit Thomas Bischof, Vorstandsvorsitzender der Gothaer Allgemeine Versicherung AG, sprachen, war dieses Mal Mark Klein, Chief Digital Officer der ERGO, unser Gast. Mit ihm sprachen wir u.a. über die folgenden Themen: Die ERGO nutzt schon lange KI, wie sehr hat Sie der Hype, um ChatGPT seit letztem November überrascht? Werden Vermittler in Zukunft noch relevant sein oder, wie gern als Untergangsszenario erklärt wird, unnötig? Wie sieht 2030 ein typischer Beratungsprozess in der Branche aus? Wie greifen die verschiedenen Kanäle und Medien ineinander? Wie wird 2030 eine Schadenmeldung im Idealfall ablaufen? Wird Amazon eine Gefahr für die Versicherungsbranche? Die Ergo setzt auf Sprachroboter, wie werden diese von den Mitarbeitern angenommen? Wie reagieren Kunden auf Sprachroboter? Wird das Metaverse 2030 ein Standard-Kommunikationskanal sein? Haben Sie schon Versicherungen in der Virtual Reality verkauft? Wie läuft die Versicherungsberatung in der Virtual Reality aus? Wie laufen die Schulungen und Trainings für Agenturen in der VR zum Thema Kundenkommunikation? Welche neuen Versicherungsprodukte wird es in der Virtual Reality geben? Außerdem redeten wir über Mediennutzung der kommenden Generationen, was das Smartphone ablösen wird, wieviel Faxe die ERGO und die Versicherungsbranche am 3. Februar 2030 versenden wird oder was Mark Klein seinem Zukunfts-Ich sagen möchte. Das ganze Gespräch finden Sie hier. Hören Sie es sich an. Es lohnt sich!

Die Themen im heutigen Versicherungsfunk Update sind: Ergo startet virtuelle Beratungs-App Ergo und die Technologieagentur Demodern haben die erste virtuelle Beratungs-App mit Live-Dialog-Funktion für Versicherungen auf den Markt gebracht. Mit dem Innovationsprojekt „Ergo VR Experience“ sollen Kunden virtuell in ein Versicherungs-Szenario eintauchen und zu diesem in Echtzeit beraten werden können. Hierfür treffen sich Interessierte mittels VR-App und -Headset mit einem Ergo-Berater, der sie durch ein gewähltes Setting führt. Mehr dazu in dieser Woche, im Exklusiv-Interview mit Mark Klein, Chief Digital Officer der ERGO. Was ist der Versicherungskäse des Jahres 2023? Der Bund der Versicherten e. V. (BdV) stellt die Nominierten für das schlechteste Versicherungsprodukt vor. In diesem Jahr streiten die Versicherer Advigon ("Krebs-SCHUTZ"), Helvetia ("Easy All@home") und der Hamburger Online-Vermittler „Wetterheld“ mit dem französischen Versicherungskonzern Wakam ("Niederschlagsversicherung") um den "Versicherungskäse des Jahres 2023". Signal Iduna steigt bei Software Start-Up ein Der Versicherer Signal Iduna beteiligt sich am Software Start-Up mixed data agency (mda). Das Unternehmen entwickelt digitale Lösungen für Handwerksbetriebe. Gemeinsam sollen jetzt digitale Prozessoptimierungen für die E-Handwerke beschleunigt werden. Neugründung: Versorgungswerk für Unternehmen der Erneuerbaren Energien Der Bamberger Finanzdienstleister MehrWert GmbH für Finanzberatung und Vermittlung gründet die „Climate Pension“ als Versorgungswerk für die Branche der erneuerbaren Energien. Hintergrund dieser Neugründung ist, dass für Unternehmen der Erneuerbaren Energien in Deutschland noch kein eigenes Versorgungswerk existiert. Mit Climate Pension soll diese Lücke geschlossen werden. Zum Start werden drei Versicherungslösungen angeboten. Versicherungspartner für die einzelnen Produkte sind „Die Bayerische“ mit der Marke „Pangaea Life“, die Barmenia und der Volkswohl Bund. Krankenstand weiterhin auf Rekordhoch Der Krankenstand der erwerbstätigen TK-Versicherten bleibt im ersten Quartal 2023 mit 5,89 Prozent weiterhin auf einem Rekordhoch. Im Durchschnitt war damit jede bei der TK versicherte Erwerbsperson von Januar bis einschließlich März dieses Jahres 5,31 Tage krankgeschrieben. Zum Vergleich: In den Vorjahren lag die durchschnittliche Anzahl von Fehltagen im ersten Quartal bei 4,79 (2022), 3,46 (2021) und 4,68 (2020). Besonders auffällig ist der stetige Anstieg der Fehlzeiten aufgrund von Erkältungsdiagnosen, die ebenfalls mit 1,74 Tagen ein Rekordhoch erreichten. Simtal verkauft Element-Produkte Seit Frühjahr 2023 ist Simtal mit Lebensversicherungs-Produkten auf dem deutschen Markt aktiv. Mit Element wird das Produktangebot um eine digitale Tierkranken, eine Privathaftpflicht sowie um eine Unfallversicherung erweitert. Innerhalb der Kooperation ist Element Erstversicherer und Risikoträger. Simtal verantwortet den Vertrieb.

Laughter is making a return to Lovett Auditorium thanks to a comedy-loving alumnus with a heart for Murray State. Paducah, Kentucky-native Ben Wilson, a 1999 environmental engineering technology alumnus now working as a real estate attorney in Florida, is combining his love for his alma mater with his passion for stand-up comedy in an effort to bring nationally-known talent to western Kentucky. The two-night Kentucky Comedy Festival hits the stage at Murray State's historic Lovett Auditorium this October 19-20.  Inspired by Comedy Central's “South Beach Comedy Festival” in Miami, Wilson began planning the Kentucky Comedy Festival on Murray State's campus in 2020 with the goal of creating a fun and positive experience for the comedians, the campus community and the local region, and the hope of creating an annual affair. The two-day line-up features eight comedians including Lace Larrabee, Kentucky-native Mark Klein, Brad Upton, Tammy Pescatelli, Katherine Blanford (whose mother was a Murray State alumna), Eric O'Shea, Jasmine Ellis and Kevin Farley, brother of the late “Saturday Night Live” star Chris Farley. Many of the featured comedians can be seen on YouTube's Dry Bar Comedy Channel.  Ben talks about his love for all things comedy, including an amazing story about how Possum Trot and Monkey's Eyebrow, Kentucky led to a fated friendship with Rodney Dangerfield, and his beloved Bulldogs, appropriately-named Rodney and Farley.  Proceeds from the event will fund a scholarship that Wilson has established to support students who participate in Murray State University intramural sports. Ben participated in intramural sports as a student, and in 1999 was named Outstanding Senior Man. Realizing as a student himself the impact that extra-curricular activities can have on student retention, success and mental health, Ben established the "Living the Dream with Ben and the Bulldogs Intramural Sports Athletes of the Year Scholarship, which will provide a $1,000 scholarship to both the male and female athletes of the year annually.  Tickets for the Kentucky Comedy Festival are now on sale at www.kentuckycomedyfestival.com.  This podcast was produced with the help of Jim Ray Consulting Services and made possible by members of the Murray State University Alumni Association. Jim is a 1992 Murray State graduate. He can help you with the concept development, implementation, production and distribution of your own podcast, just as he has done for the MSUAA. Not a current member of the MSUAA? Let's change that! Join today by visiting  murraystate.edu/alumni. The views and opinions expressed during the Racer Alumni Podcast do not necessarily reflect those of Murray State University, its administration or the faculty at large. The episodes are designed to be inspiring and entertaining.

Mark Klein ist zu Gast in dieser Folge des Digital Insurance Podcast. Mark Klein ist Chief Digital Officer (CDO) der ERGO Group AG. Die ERGO Group ist ein deutscher Versicherer mit einem Prämienvolumen in Höhe von knapp 20 Milliarden Euro. Sie sind als Multi-Liner in Europa und Asien unterwegs. Hype oder die Zukunft - diese Frage stellen sich viele beim Metaverse. Mark und ich haben uns virtuell mittels VR-Brille in einem Virtual Room der ERGO getroffen. Das sei zwar noch nicht das Metaverse, betont Mark, doch sei hier bereits vieles möglich. Hier können sich Mitarbeiter austauschen, Vorträge halten usw. Dabei wird es nicht bleiben. Die Technologie macht jedes Jahr große Sprünge. Mark berichtet von den ersten Sessions 2019. Seitdem hat sich vieles weiterentwickelt. Inzwischen seien seriöse Sitzungen mit bis zu 50 Leuten möglich. Es werden Features wie “eyeball tracking” uvm. hinzukommen, was die virtuellen Treffen angenehmer machen und neue Use Cases entstehen lassen wird. Die Zukunft sieht Mark in einer “mixed reality”, in der hybrides Arbeiten möglich sein wird. Links in dieser Ausgabe Zur Homepage von Jonas Piela Zum LinkedIn-Profil von Jonas Piela Zum LinkedIn-Profil von Mark Klein Vertrauen Sie auf Ihren guten Ruf? Er ist Ihr Versprechen an Ihre Kunden. Mit ProvenExpert bauen Sie online Vertrauen auf, indem Sie authentische Kundenstimmen nutzen und sichtbar werden. Für unsere Hörer gibt es hier alle Infos sowie ein exklusives Angebot, um eure Online Sichtbarkeit durch Kundenbewertungen auf ein neues Level zu heben! geht es zu Ihrem exklusiven Angebot als Zuhörer des Digital Insurance Podcasts. ProvenExpert – Für alle, die wissen, dass Vertrauen mehr wert ist als Gold KI, Dynamisches Pricing, Embedded Insurance, Nutzungsbasierte Versicherung – Keylane setzt diese Themen bereits seit Jahren erfolgreich mit ihren Kunden um. Willst Du wissen, wie das funktioniert? Folge oder schreibe Keylane bei LinkedIn. Keylane – Unlock tomorrow! Das Digital Insurance Job Board ist live! Du suchst einen Job im Versicherungsumfeld mit Perspektive, spannenden Themen und in einem innovativen Team? Hier findest du die aktuellsten Stellen rund um Digital Insurance im DACH Raum.

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 info@insurancemonday.de und wir melden uns umgehend bei Dir.Vielen Dank, dass Du unseren Podcast hörst!

In this Episode of the Digital Insurance Podcast Alexander Tackenberg interviews relevant people in the insurtech industry at the 2023 Insurtech Insights Conference. One of the biggest challenges in the insurance industry are legacy systems. Especially an old core system presents a risk. Generally, legacy systems no longer have support and maintenance and they are limited in terms of growth. Transformational mind change needs to occure. Raphael Schmid adds that an event like the insurtech insights conference helps tremendously in inspiring eachother and moving the digitalisation process forward. Especially the service industry is highlited as an industry we can learn from. Because Customer centricity is the way to move forward. But also technologies and the work with ai is something we should learn from. By using technologies to automate manual processes such as underwriting and claims handeling, processes would become more efficient. A big thank you to all the interviewees who participated in this episode: Amit Batzir, co-founder of Spott, Monique Rodriguez, Revolut, CFO of Revolut Insurance, MBA Oxford, Danilo Raponi, Group Head of Innovation, Generali, Mark Klein, Chief Digital Officer at Ergo Group, Stefano Bison Group Head of Business Development & Partnerships at Generali, Esther Prax, Programme Director at ITHM, Raphael Schmid, Chief Specialty Officer at AON Switzerland, Sarah Wernér, Co- Founder & CEO, Husmus, Martin Micko, CEO & Founder of omni:us, Florian Graillot, Investor @ astorya.vc, Oliver Werneyer, VP of Strategy, Imburse, Merlin Beyts, Head of Content ITC Europe, Roman Rittweger, Aufsichtsrat, Ottonova, Michael Hubbard, Commercial Director at Freedom to insure, Tomer Kashi, Co-Founder & CEO at Voom Insurance, Janthana Kaenprakhamroy , Chief Executive Officer, Tapoly, Pierangelo Campopiano, CEO Smile Insurance, Frank Starling, CEO of Variety Pack, Susan Winkler, Vice President & Executive Director, Connecticut Insurance and Financial Services (CT IFS), and Selina Bilton from Lukango. Links in this issue Homepage of Jonas Piela LinkedIn-Profil of Jonas Piela LinkedIn-Profil of Alexander Tackenberg Vertrauen Sie auf Ihren guten Ruf? Er ist Ihr Versprechen an Ihre Kunden. Mit ProvenExpert bauen Sie online Vertrauen auf, indem Sie authentische Kundenstimmen nutzen und sichtbar werden. Für unsere Hörer gibt es hier alle Infos sowie ein exklusives Angebot, um eure Online Sichtbarkeit durch Kundenbewertungen auf ein neues Level zu heben! geht es zu Ihrem exklusiven Angebot als Zuhörer des Digital Insurance Podcasts. ProvenExpert – Für alle, die wissen, dass Vertrauen mehr wert ist als Gold KI, Dynamisches Pricing, Embedded Insurance, Nutzungsbasierte Versicherung – Keylane setzt diese Themen bereits seit Jahren erfolgreich mit ihren Kunden um. Willst Du wissen, wie das funktioniert? Folge oder schreibe Keylane bei LinkedIn. Keylane – Unlock tomorrow! Das Digital Insurance Job Board ist live! Du suchst einen Job im Versicherungsumfeld mit Perspektive, spannenden Themen und in einem innovativen Team? Hier findest du die aktuellsten Stellen rund um Digital Insurance im DACH Raum.

TikTok might be banned from the United States. In this episode, hear testimony from TikTok's CEO and judge for yourself if you think the arrangement that TikTok has negotiated with the U.S. government is enough to ensure that the Chinese government will not have the ability to manipulate the app or acquire your data. We also take a detailed look at the bill that would ban TikTok (by granting vast new authorities to the government) and we examine the big picture arena in which TikTok and the RESTRICT Act are merely sideshows. Please Support Congressional Dish – Quick Links Contribute monthly or a lump sum via PayPal Support Congressional Dish via Patreon (donations per episode) Send Zelle payments to: Donation@congressionaldish.com Send Venmo payments to: @Jennifer-Briney Send Cash App payments to: $CongressionalDish or Donation@congressionaldish.com Use your bank's online bill pay function to mail contributions to: 5753 Hwy 85 North, Number 4576, Crestview, FL 32536. Please make checks payable to Congressional Dish Thank you for supporting truly independent media! View the shownotes on our website at https://congressionaldish.com/cd271-restricting-tiktok/ Background Sources Recommended Congressional Dish Episodes CD270: The Twitter Files CD230: Pacific Deterrence Initiative CD224: Social Media Censorship CD098: USA Freedom Act: Privatization of the Patriot Act Shou Chew “Meet Shou Zi Chew, TikTok's 40-year-old CEO who's entered the spotlight as he tries to defend the company from growing security concerns and ban threats.” Katie Canales and Sarah Jackson. Mar 22, 2023. Insider. “Shou Zi Chew Net Worth: How Rich Is The TikTok CEO?” Monica Aggarwal. March 23, 2023. International Business Times. Chinese Influence Over TikTok “There is no such thing as a private company in China. THEY DO NOT EXIST” [tweet]. Senator Marco Rubio [@SenMarcoRubio]. Mar 29, 2023. Twitter. Forced Sale “China Says It Will ‘Firmly Oppose' Forced Sale of TikTok.” Chang Che. Mar 23, 2023. The New York Times. Facebook “Meta fined $276 million over Facebook data leak involving more than 533 million users.” Emma Roth. Nov 28, 2022. The Verge. “Facebook paid GOP firm to malign TikTok.” Taylor Lorenz and Drew Harwell. Mar 30, 2022. The Washington Post. “Lobbying: Top Spenders 2022.” OpenSecrets. “Lobbying: Top Spenders 2021.” OpenSecrets. How the U.S. Has Governed the World Trade System U.S. Government-Corporate Spy Partnerships “Spying on the Homefront: Interview with Mark Klein.” May 15, 2007. Frontline. Iran Nuclear Deal “Iran nuclear deal: What it all means.” Nov 23, 2021. BBC News. Venezuela “Venezuela Slams US Over 'Vulgar' Central Bank Funds Seizure.” Agence France Presse. Apr 17, 2020. Barron's. Russia-Ukraine “Seizing Russian Assets Is Easier Said Than Done.” Adam Plowright. Feb 12, 2023. Barron's. China's Trade and Currency Agreements “'Petrodollar' at risk as TotalEnergies sells LNG to China in yuan.” Jan van der Made. March 31, 2023. RFI. “Brazil, China ditch US dollar for trade payments, favour yuan.” Jamie Seidel. Mar 31, 2023. news.com.au. “China, Brazil Strike Deal To Ditch Dollar For Trade.” Agence France Presse. Mar 29, 2023. Barron's. “RCEP: A new trade agreement that will shape global economics and politics.” Peter A. Petri and Michael Plummer. Nov 16, 2020. Brookings. The Pacific Deterrence Initiative “ US gains military access to Philippine bases close to Taiwan and South China Sea.” Brad Lendon. Apr 4, 2023. CNN. “The Pacific Deterrence Initiative: Peace Through Strength in the Indo-Pacific.” Sen. Jim Inhofe and Sen. Jack Reed. May 28, 2020. War on the Rocks. Chinese Economy “Remarks by Managing Director Kristalina Georgieva at the 2023 China Development Forum.” Kristalina Georgieva. Mar 26, 2023. International Monetary Fund. Chinese Authoritarianism “China Removes Presidential Term Limits, Enabling Xi Jinping To Rule Indefinitely.” James Doubek. Mar 11, 2018. NPR. “Xi Jinping Is Alone at the Top and Collective Leadership ‘Is Dead.'” Jeremy Page and Chun Han Wong. Oct 25, 2017. The Wall Street Journal. Bills S.686: RESTRICT Act Audio Sources US needs to ‘wake up' about the threat from China: Marco Rubio. March 30, 2023 Fox News Clips Sen. Marco Rubio (R-FL): Brazil - in our hemisphere, largest country in the western hemisphere south of us - cut a trade deal with China. They're going to, from now on, trade in their own currencies, get right around the dollar. They're creating a secondary economy in the world totally independent of the United States. We won't have to talk about sanctions in 5 years because there will be so many countries transacting in currencies other than the dollar that we won't have the ability to sanction them. Senator Marco Rubio: Private Companies Do Not Exist in China March 29, 2023 Twitter Mark Warner on the RESTRICT Act March 23, 2023 Fox News Clips Mark Warner: One of the things I always make clear is my beef is with the Communist Party of China. My beef is with Xi Jinping, the Communist Party leader, who treats his own people awfully... and I do think you need to make that distinction. Not about Chinese people. But to deny the authoritarian regime and their record is not based on a factual analysis. TikTok: How Congress Can Safeguard American Data Privacy and Protect Children from Online Harms March 23, 2023 House Committee on Energy and Commerce Watch on YouTube Witness: Shou Chew, CEO, TikTok Clips 7:15 Rep. Cathy McMorris Rodgers (R-WA): TikTok collects nearly every data point imaginable, from people's location, to what they type and copy, who they talk to, biometric data, and more. Even if they've never been on Tik Tok, your trackers are embedded in sites across the web. Tik Tok surveys us all, and the Chinese Communist Party is able to use this as a tool to manipulate America as a whole. We do not trust Tik Tok will ever embrace American values; values for freedom, human rights, and innovation. Tik Tok has repeatedly chosen the path for more control, more surveillance, and more manipulation. Your platform should be banned. 15:25 Rep. Frank Pallone (D-NJ): National security experts are sounding the alarm, warning that the Chinese Communist government could require TikTok to compromise device security, maliciously access American user data, promote pro-Communist propaganda, and undermine American interests. Disinformation campaigns could be launched by the by the Chinese Communist government through TikTok, which has already become rife with misinformation and disinformation, illegal activities, and hate speech. A recent report found that 20% of TikTok search results on prominent news topics contain misinformation. 20:35 Shou Chew: Let me start by addressing a few misconceptions about ByteDance, of which we are a subsidiary. ByteDance is not owned or controlled by the Chinese government. It is a private company. 60% of the company is owned by global institutional investors, 20% is owned by the founder, and 20% owned by employees around the world. ByteDance has five board members, three of them are American. Now TikTok itself is not available in mainland China. We're headquartered in Los Angeles and in Singapore, and we have 7000 employees in the US today. 21:50 Shou Chew: The bottom line is this: American data stored on American soil by an American company overseen by American personnel. We call this initiative Project Texas. That's where Oracle is headquartered. Today, U.S. TikTok data is stored by default in Oracle's service. Only vetted personnel operating in a new company called TikTok U.S. Data Security can control access to this data. Now, additionally, we have plans for this company to report to an independent American board with strong security credentials. Now, there's still some work to do. We have legacy U.S. data sitting in our servers in Virginia and in Singapore. We're deleting those and we expect that to be completed this year. When that is done, all protected U.S. data will be under the protection of US law and under the control of the U.S.-led security team. This eliminates the concern that some of you have shared with me that TikTok user data can be subject to Chinese law. 22:55 Shou Chew: We also provide unprecedented transparency and security for the source code for the TikTok app and recommendation engine. Third party validators like Oracle and others will review and validate our source code and algorithms. This will help ensure the integrity of the code that powers what Americans see on our app. We will further provide access to researchers, which helps them study and monitor our content ecosystem. Now we believe we are the only company that offers this level of transparency. 23:35 Shou Chew: The potential security, privacy, [and] content manipulation concerns raised about TikTok are really not unique to us. The same issues apply to other companies. We believe what's needed are clear, transparent rules that apply broadly to all tech companies. Ownership is not at the core of addressing these concerns. 24:20 Shou Chew: TikTok will remain a place for free expression and will not be manipulated by any government. 27:30 Rep. Cathy McMorris Rodgers (R-WA): Have any moderation tools been used to remove content on TikTok associated with the Uyghur genocide? Yes or no? Shou Chew: We do not remove that kind of content. Tik Tok is a place for freedom of expression. Chairwoman, just like I said, if you use our app, you can go on it and you will see a lot of users around the world expressing content on that topic and many others. Rep. Cathy McMorris Rodgers (R-WA): Thank you. What about the massacre in Tiananmen Square? Yes or no? Shou Chew: I'm sorry, I didn't hear the question. Rep. Cathy McMorris Rodgers (R-WA): The massacre in Tiananmen Square. Shou Chew: That kind of content is available on our platform. You can go and search it. 28:05 Rep. Cathy McMorris Rodgers (R-WA): I will remind you that making false or misleading statements to Congress is a federal crime. 28:15 Rep. Cathy McMorris Rodgers (R-WA): Can you say with 100% certainty that ByteDance or the CCP cannot use your company or its divisions to heat content to promote pro-CCP messages for an act of aggression against Taiwan. Shou Chew: We do not promote or remove content at the request of the Chinese government. Rep. Cathy McMorris Rodgers (R-WA): The question is, are you 100% certain that they cannot use your company to promote such messages? Shou Chew: It is our commitment to this committee and all users that we will keep this free from any manipulation by any government. 39:10 Shou Chew: Congressman, since I've been CEO of this company I've not had any discussions with Chinese government officials. 43:55 Rep. Anna Eshoo (D-CA): The Chinese government has that data. How can you promise that that will move into the United States of America and be protected here? Shou Chew: Congresswoman, I have seen no evidence that the Chinese government has access to that data. They have never asked us; we have not provided it. I've asked that -- Rep. Anna Eshoo (D-CA): Well, you know what, I find that actually preposterous. Shou Chew: I have looked and I have seen no evidence of this happening. And in order to assure everybody here and all our users, our commitment is to move the data into the United States to be stored on American soil, by an American company, overseen by American personnel. So the risk will be similar to any government going to an American company asking for data. 44:40 Rep. Anna Eshoo (D-CA): Well I'm one that doesn't believe that there is really a private sector in China. 54:55 Rep. Diana DeGette (D-CO): So I want to know from you, and I will give you time to answer this. You have current controls, but the current controls are not working to keep dosinformation mainly from young people, but from Americans in general. What more is is TikTok doing to try to strengthen its review to keep disinformation from coming across to people. Shou Chew: Thank you for the question, Congresswoman. The dangerous misinformation that you mentioned is not allowed on our platform. It violates the -- Rep. Diana DeGette (D-CO): I'm sorry to report it is on your platform, though. Shou Chew: Congresswoman, I don't think I can sit here and say that we are perfect in doing this. We do work very hard. Rep. Diana DeGette (D-CO): How can you make yourself more perfect? I don't want you to say it's not there or you apologize. What can you do to limit it as much as possible, more than what you're doing now? Shou Chew: We invest a significant amount in our content moderation work. I shared that number in my written testimony -- Rep. Diana DeGette (D-CO): I know you're investing, but what steps are you taking to improve the AI, or whatever else you're doing, to limit this content? Shou Chew: For example, if you search for certain search terms, we do direct you on TikTok to safety resources. That's one of the things we have done. We will continue to invest in this I recognize and fully aligned with you that this is a problem that faces our industry that we need to really invest and address this. I'm very in alignment. 1:07:05 Rep. Jan Schakowsky (D-IL): Does TikTok share user information from companies...from parent companies...from affiliated...or send user information to...overseas? Shou Chew: In the past, yes, for interoperability purposes. Now, after Project Texas, all protected U.S. data will be stored here with the access controlled by a special team of U.S. personnel. 1:07:55 Rep. Jan Schakowsky (D-IL): I do want a quote from employees that you had, and here's the quote, "everything is seen in China" is really what they said. People who were in touch with the sensitive data were saying that. How do you respond to that? Shou Chew: I disagree with that statement. Rep. Jan Schakowsky (D-IL): Well, I know you disagree with that statement. But my point is, how does that happen that employees of the company are saying that in fact, that's not true. Shou Chew: I cannot speak to, I don't know who this person is, so I cannot speak to what the person has or has not said. What I can say is, you know, based on my position in this company, and the responsibility that I have, that statement is just not true. 1:11:00 Rep. Kat Cammack (R-FL): Yes or no, ByteDance is required to have a member of the Chinese government on its board with veto power, is that correct? Shou Chew: No, that is not correct. ByteDance owns some Chinese businesses and you're talking about this very special subsidiary that is for Chinese business license -- Rep. Kat Cammack (R-FL): Mr. Chew, I'm gonna have to move on. 1:19:20 Shou Chew: First, anything that is violated and harmful, we remove. What I meant to say were [sic] content that is not inherently inherently harmful, like some of the extreme fitness videos about people running 100 miles, is not inherently harmful, but if we show them too much, the experts are telling us that we should disperse them more and make sure that they're not seen too regularly, especially by younger users. 1:33:20 Rep. Bill Johnson (R-OH): Do you realize that making false and misleading statements to Congress is a federal crime? Shou Chew: Yes, I do. Rep. Bill Johnson (R-OH): Okay. 1:39:35 Shou Chew: We do want to be leading in terms of safety of our users, particularly for teenagers. We were the first to launch a 60 minute watch limit. Rep. John Sarbanes (D-MD): And let's talk about the 60 Minute -- Shou Chew: And I'm very glad to see others in our industry follow. For many of the recommendations, we will study them very seriously. We actually have a series of features. Like for example, if you're under 16, you cannot use a direct messaging feature, because we know we want to protect those younger users. If you're under 16, you cannot go viral by default. If you're under 18, you cannot go live. 1:48:20 Rep. Paul Tonko (D-NY): Will you continue to get information from these third parties on its users health? Shou Chew: Get information? We do not get any user health information from third parties. 1:56:20 Shou Chew: The American data has always been stored in Virginia and Singapore in the past. And access of this is on an as required basis by engineers globally — Rep. Tim Walberg (R-SC): As required by who? Shou Chew: By engineers, for business purposes -- Rep. Tim Walberg (R-SC): Engineers? ByteDance? The Communist Party? Shou Chew: No, no. Rep. Tim Walberg (R-SC): Why? How can you say that if they have access -- Shou Chew: This is a business. This is a private business, and like many other businesses, many other American companies, we rely on the global workforce. Rep. Tim Walberg (R-SC): So the global workforce, that includes ByteDance, which is connected directly to the Chinese Communist Party. Shou Chew: That is a mischaracterization that we disagree with. Now, in the future -- Rep. Tim Walberg (R-SC): That's not what we can disagree with. That's a fact. Shou Chew: It's not, unfortunately. Rep. Tim Walberg (R-SC): The CEO of ByteDance and your relationship to them. Shou Chew: Congressman, respectfully, in my opening statement, I said this is a private company, it's owned 60% by global investors. Three out of the five board members on ByteDance are Americans. This is a private business Rep. Tim Walberg (R-SC): You report directly to ByteDance, with a CEO who is a member of Communist Party. Let me move on — Shou Chew: He is not. Rep. Tim Walberg (R-SC): -- I think we got the answer. 2:07:20 Shou Chew: We do not collect body, face, or voice data to identify our users. We do not -- Rep. Buddy Carter (R-GA): You don't? Shou Chew: No, the only face data that you get that we collect is when you use the filters to have sunglasses on your face. We need to know where your eyes are -- Rep. Buddy Carter (R-GA): Why do you need to know what the eyes are if you're not seeing if they're dilated? Shou Chew: -- and that data is stored on your local device and deleted after use if you use it for facial. Again, we do not collect body, face, or voice data to identify users. Rep. Buddy Carter (R-GA): I find that hard to believe. 2:30:20 Rep. Gary Palmer (R-AL): When the Chinese Communist government bought a share ByteDance, it's been described as the Chinese Communist Government's way of quieter form of control, and that companies have little choice in selling a stake to the government if they want to stay in business, and what I'd like to know is when the Chinese Communist government moved to buy shares of ByteDance, were you informed beforehand, yes or no? Shou Chew: No, Congressman, ByteDance -- Rep. Gary Palmer (R-AL): Were you or anyone with TikTok asked for your opinion about the sale of shares of ByteDance to the Chinese Communist government? Yes or no? Shou Chew: It just, this hasn't happened. 2:34:55 Rep. Debbie Dingell (D-MI): Mr. Chew, have any prior versions of TikTok's app collected precise GPS information from us users, yes or no? Shou Chew: Yes. From back in 2020, about three years ago. Rep. Debbie Dingell (D-MI): Are there currently TikTok users who still hold old versions of the app that collect precise GPS information from U.S. users? Yes or no? Shou Chew: That could be, but that's a small percentage. 2:36:05 Rep. Debbie Dingell (D-MI): Has TikTok, at any time, sold precise GPS information collected from U.S. users? Yes or no? Shou Chew: We do not sell data to data brokers if that's the question. Rep. Debbie Dingell (D-MI): And you've never done that? Shou Chew: I do not believe so. 2:37:15 Rep. Debbie Dingell (D-MI): Has TikTok, at any time, provided the Chinese government with either precise GPS information collected from U.S. users or inferences made from that data? Shou Chew: That I can give you a straight answer: no. 2:37:30 Rep. Debbie Dingell (D-MI): Mr. Chew, even in Congress, even if Congress were to ban Tiktok, I'm concerned that China or others would still have access to US consumer data by purchasing it through data brokers. Will you commit not to sell any of TikTok's data to data brokers now or in the future? Shou Chew: We do not do that. We do not sell data to data brokers now. Rep. Debbie Dingell (D-MI): Will you commit to not do it in the future? Shou Chew: This is -- certain members of industry who do this. I think this has to be broad legislation to help us, the whole industry, address this problem. 3:13:15 Rep. Debbie Lesko (R-AZ): A March 21, Forbes article revealed how troves of personal data of Indian citizens who once used TikTok remained widely accessible to employees at the company and its Beijing based parent ByteDance. A current TikTok employee told Forbes that nearly anyone with basic access to company tools, including employees in China, can easily look up the closest contacts and other sensitive information about any user. This current TikTok employee also said, "If you want to start a movement, if you want to divide people, if you want to do any of the operation to influence the public on the app, you can just use that information to target those groups." Mr. Chew, why would a current TikTok employee say this if it wasn't true? Shou Chew: This is a recent article, I have asked my team to look into it. As far as I know there is, we have rigorous data access protocols. There's really no such thing where anybody can get access to tools. Rep. Debbie Lesko (R-AZ): Alright. Shou Chew: So I disagree with a lot of the conclusions of that. 3:18:20 Rep. Darren Soto (D-FL): So Mr. Chew, would TikTok be prepared to divest from ByteDance and Chinese Communist Party ties if the Department of Treasury instructed you all to do so? Shou Chew: Congressman, I said in my opening statement, I think we need to address the problem of privacy. I agree with you. I don't think ownership is the issue here, with a lot of respect. American social companies don't have a good track record with data privacy and user security. I mean, look at Facebook and Cambridge Analytica, just one example. So I do think that you know, it is not about the ownership, it is a lot about making sure we have Project Texas, making sure that we're protecting and firewalling U.S. user data from unwanted foreign access, giving third parties to come in to have a look at this and making sure that everybody is comfortable. We're giving transparency and third party monitoring and that's what we're doing for Project Texas. 4:24:15 Shou Chew: Congressman, we have only one process of removing content on our platform and the process is done by our content moderation team headquartered in Ireland and the US, and we will only remove content that violates our guidelines, and that's something that we audit, or if there's a valid legal order. 4:26:05 Rep. Randy Weber (R-TX): Here are my concerns with TikTok. Your claims are hard to believe. It's no secret to us that TikTok is still under the thumb of CCP influence and, let's be honest, TikTok is indoctrinating our children with divisive, woke, and pro-CCP propaganda. 4:27:15 Rep. Randy Weber (R-TX): Should we plan to have a committee hearing every time, every day, every time there's something brought up so that we can limit the content on TikTok? Should Congress plan to do that Mr. Chew? Rep. Raul Ruiz (D-CA): Almost 30% of the videos that came up contained misinformation...a high level of misinformation...misinformation...disinformation...misleading information...harmful misinformation...misinformation...misinformation. Why are these dangerous videos falling through the cracks of your company's efforts to enforce its own community guidelines and remove harmful misinformation? 4:30:20 Shou Chew: Yes, any dangerous misinformation is...we partner with third party experts to be able to identify and help us with subject domain expertise. And with their expertise that we recognize, we rely on those to develop policies to recognize and remove could be -- Rep. Raul Ruiz (D-CA): Well, your efforts I have failed, and they're dangerous. 4:33:10 Shou Chew: I can get back to you on the specifics, but dangerous misinformation is moderated regardless of language. Rep. Raul Ruiz (D-CA): Not to the degree that it needs to be. 4:58:40 Rep. August Pfluger (R-TX): Are keystroke patterns and rhythms part of TikTok gathering the data that is gathered by TikTok? Shou Chew: If you're talking, Congressman, specifically about keystrokes, you know, we do not. We do not engage in keystroke logging to monitor what the users say. It's to identify bots for security purposes, and this is a standard industry practice. 5:24:30 Rep. Dan Crenshaw (R-TX): Here's the main point of concern: China's 2017 National Intelligence law states very clearly, that, "any organization or citizen shall support, assist and cooperate with state intelligence work in accordance with the law and maintain the secrecy of all knowledge of state intelligence work." In other words, ByteDance, and also your TikTok employees that live in China, they must cooperate with Chinese intelligence whenever they are called upon. And if they are called upon, they're bound to secrecy. That would include you. So Mr. Chew, if the CCP tells ByteDance to turn over all data that TikTok has collected inside the US, even within Project Texas, do they have to do so according to Chinese law? Shou Chew: Congressman, first, I'm Singaporean. Rep. Dan Crenshaw (R-TX): That's fine. But there are employees of yours and ByteDance's in China. Shou Chew: We understand this concern. In my opening statement, we said we hear these concerns, we didn't try to avoid them or you know, trivialize them, we built something where we take the data and put it out of reach. This is what we did, we put it out of reach. Rep. Dan Crenshaw (R-TX): But they own you. Shou Chew: No, we put it out of reach by -- Rep. Dan Crenshaw (R-TX): ByteDance owns Tiktok and the CCP owns ByteDance, because the CCP owns everybody in China. So by law, they can make them do whatever they want. And they say that by law, you can't tell anyone about it. So they can make you hand over that data is that correct? Shou Chew: Data is stored here in American soil, by an American company overseen by American -- Rep. Dan Crenshaw (R-TX): Leaked audio from 80 internal TikTok meeting shows that US user data has been repeatedly accessed from China, when you said it hasn't been. And here's the other thing, following back on my colleagues line of questioning. In your own privacy policy, it says that you may share information within your so called "Corporate Group" is ByteDance part of that corporate group? Shou Chew: If you're talking about the share of the entity with the share, like I shared with the previous -- Rep. Dan Crenshaw (R-TX): Is ByteDance part of the corporate group? Shou Chew: ByteDance, as a holding company, is part of the corporate group, yes. Rep. Dan Crenshaw (R-TX): Part of the corporate group. Okay, so your own privacy policy says you have to share data with ByteDance. And if the CCP says, Hey ByteDance, you're going to do what we say and you can't tell anyone about it because by law, according to that 2017 National Intelligence law, they have to do it. That's our concern. 5:26:50 Rep. Dan Crenshaw (R-TX): Okay, so my last point is this, I want to say this to all the teenagers out there, and the TikTok influencers who think we're just old and out of touch and don't know what we're talking about, trying to take away your favorite app. You may not care that your data is being accessed now, but it will be one day when you do care about it. And here's the real problem: with data comes power. They can choose what you see and how you see it. They can make you believe things that are not true. They can encourage you to engage in behavior that will destroy your life. Even if it is not happening yet, it could in the future. The long term goal of the Chinese Communist Party is the demise of the American power, and that starts with our youth. At any moment, they could demand that all of TikTok's data be used to design an AI algorithm with the sole purpose of promoting Chinese interests and destroying our society from within. You want to know why Democrats and Republicans have come together on this? That's why we are so concerned. 2:07:55 Rep. Buddy Carter (R-GA): How do you determine what age they are then? Shou Chew: We rely on age-gating as our key age assur-- Rep. Buddy Carter (R-GA): Age...? Shou Chew: -gating, which is when you ask the user what age they are. We have also developed some tools where we look at their public profile to go through the videos that they post to see whether-- Rep. Buddy Carter (R-GA): Well that's creepy. Tell me more about that. Shou Chew: It's public. So if you post a video [and] you choose that video to go public, that's how you get people to see your video. We look at those to see if it matches up the age that you told. Combatting the Economic Threat from China February 7, 2023 House Committee on Financial Services Watch on YouTube Witnesses: Peter E. Harrell, Former Senior Director for International Economics and Competitiveness, National Security Council and National Economic Council Clips Rep. David Scott (D-GA): I am deeply concerned with the fast growing possibility of a China-led world order. That includes the Chinese military controlling the South Pacific trade route because the South Pacific trade war is now the lifeline of the entire global economy. Peter E. Harrell: I think it's important that we all, as we think about China policy, we all recognize that China, though a serious competitor, and by far our most significant economic competitor, is not 10 feet tall. It's not some sort of mythical beast that we cannot out-compete. I think you've highlighted a couple of the reasons, Congresswoman, why that's the case. They do have high levels of debt. They also have serious long term demographic problems, coming to having a shrinking working age population. Rep. William Timmins (R-SC): The question is what are we going to do to get China to reform their behavior and compete in the global economy and be good actors in the global economy. That's the question. Economic Danger Zone: How America Competes to Win the Future Versus China February 1, 2023 Committee on Energy and Commerce, Subcommittee on Innovation, Data, and Commerce Watch on YouTube Witnesses: Samm Sacks, Senior Fellow, New America & Senior Fellow, Yale Law School Paul Tsai China Center Clips Samm Sacks: I mean, to be honest, I think that the grading profiles based on aggregate data is primarily a counterintelligence concern for individuals with national security clearances and the military or access to sensitive information for your average American what that what the impact would probably be more in terms of would that population or individual preference information could that be used to push information that would make say, a spear phishing attack more appealing it might be more likely that someone would would be a would click on a link because it appealed to them based on information that was collected? And so I would say it's, I would look at it from that angle. But why highlighted in my testimony, the more sort of far reaching impact is on economic competitiveness, which is a distinct issue, right? It's on Chinese firms who are able to access diverse international data sets beyond China. What that allows them to do is train AI models that could be more competitive in markets outside of China, where they're competing head to head with US firms. So I would bucket the risk. You have national security issues. You also have missed it targeted misinformation that could be used from that, as well as economic competitiveness between us and Chinese firms. And it's important to sort of be clear about those distinct buckets of risk. Samm Sacks: I guess I'll start with the TikTok issue. But you know, I think that there are two important issues on the table. One is data security, who has access to what, and the other is the potential to push misinformation online, the recommendation algorithm. My understanding is that there is a national security agreement on the table. You know, from a data security standpoint, if Oracle has the data in the cloud, there are multiple third party auditors and an oversight board that reports to CFIUS, I think that that would be pretty much locked down. The question around what kind of information the recommendation system pushes forward is an important one. And that also under this agreement -- it's called Project Texas and I've published about it just a week or so ago -- would be again, subject to verification, source code reviewed, essentially vetted by CFIUS. I think it's important that the public understand what that national security agreement would look like and then have a debate. Is this enough to address those concerns? And to what extent would other social media companies also need to meet them? Music Presented in This Episode Intro & Exit: Tired of Being Lied To by David Ippolito (found on Music Alley by mevio)

[ SPOILERS - DON'T READ UNTIL YOU LISTEN TO THE EPISODE!! ] . . . . This episode of The Page 1 Challenge features the book "Franklin Rock" by Mark Klein, published by Greenbriar Publishing, LLC in 2021. Mark's website is:  https://www.markekleinmd.com/Support the showThe Page 1 Challenge website is http://ThePage1Challenge.comThe Page 1 Challenge podcasts are recorded and edited Podcastle.ai - an amazingly simple tool that is perfect for podcasters. I'm a huge fan of this tool because it makes recording and editing super fast and efficient. I'm so enamored with Podcastle.ai that I'm also an Affiliate, so if you decide to try it and use this link, I get a few bucks:https://podcastle.ai/?ref=page1challengeCopyright compliance: Explicit consent to use their work has been granted by each author featured in The Page 1 Challenge.

Reach Media Network has been around the digital signage ecosystem since 2005, and like many of the companies in this sector, its focus and strategy has evolved a lot based on customer needs and marketplace conditions. The Minneapolis-area company got its start as a place-based media network, putting screens in venues on its own dollar, and making that investment back through ad sales. As pretty much anyone who's done a Digital Out Of Home network will confirm, ad sales is hard work, no matter the environment and audience. Reach was generating real money from ad sales, but with a business focused first on screens in community ice hockey rinks, the network's growth potential was finite. For the last several years Reach has been going to market instead as an end-to-end digital signage solutions provider, building up a pile of clients in sectors like corporate and health care ... and realizing reliable, recurring revenues from SaaS licenses. Reach is seeing a lot of success, despite operating pretty quietly, by servicing the hell out of its customer base, and putting a lot of investment into software integrations. I spoke with CEO Darren Wercinski and Kiersten Gibson, the company's EVP for Sales and Marketing. Subscribe to this podcast: iTunes * Google Play * RSS TRANSCRIPT Darren and Kiersten, thank you for joining me. Can you give me the summary that you would rattle off when someone asked you what your company's all about?  Darren Wercinski: Sure. Thank you for having us on the podcast today. We're excited to finally get to talk to you and share a little bit more about Reach. We actually started in 2005 and I feel really old as I tell stories today, thinking about sort of the company in general, but right now we have over 6,000 clients, and we manage around 30,000 screens. We really run the gamut, from large Fortune 500 clients, we do signage for Hormel, Caterpillar, and a lot of the big companies that you might be familiar with on a lot of college campuses so Northwestern, UCLA, and USC are all of our partners, and then likewise, I guess we've expanded a lot in the healthcare and Mass General and just a lot of industries and verticals.  If you've been in the industry as long as we have, you definitely get customers for every vertical, but the company has about 50 team members right now, we actually have 10 open positions. So we're really growing and we tell this to a lot of our clients that we feel like we're in a sweet spot of just big enough to provide a robust digital signage solution with a budget that we can afford to invest in things, but at the same time, kinda that small focus on customer service and support. Quite honestly, we've been in the industry so long, we've seen lots of things change. Dave, especially you'd know companies have come and gone. Business models have changed. Our own business model has changed and evolved. There's been consolidation in the industry, but as a whole, it's been a lot of fun. It's been a really great ride.  So where do you start and stop in terms of your services? You've got a software platform. Do you do managed services, aftercare, or that sort of thing as well?  Darren Wercinski: We would consider ourselves a full-service solution and what I mean by that is there are some signage companies or CMSs, and that's really what we are, that really focus on just downloading the software and you're good to go and go off and running.  Ours is a little bit different because we do provide the end-to-end solution. So our clients may say, Hey, we want screens, players, the signage, we'll sell them all that and then in addition, we'll actually use install cords to get them up and running and trained. We'll use our own creative team to build all their layouts and assets and really get them up and running from that perspective, along with technical support that's unlimited and account managers help them along the way. That's the way we look at the business of providing that end-to-end solution, which is a little bit different than other people as well. Is that an ask that you're seeing quite a bit in the marketplace?  I get a sense and have for a few years now, that large companies are interested in digital science. They see the benefits and everything else, but they don't wanna fully manage it and they would really prefer to have an outsourced solution that says, “This is what we want, you guys to do it”? Darren Wercinski: I wouldn't say we're an outsource solution. I think that our tool is so easy to use in terms of our content management platform. We try to make it so that clients can easily go in there and update and publish their content. Really, at the end of the day, that's all they really wanna do. So that's why we build the layouts for them, all the integrations, everything, and they can come in and easily manage the content.  Kiersten, what are your thoughts on that? You deal most with the clients.  Kiersten Gibson: Yeah, I would say, it boils down to the service and what the client's looking for. As Darren said, we'll be as hands-on or hands-off as needed in terms of that implementation, getting them up and running, building out everything for them.  In terms of the ongoing managed services, we're not necessarily creating the day-to-day content for them, but we are providing them with the support that they need. So for example, six months down the road, they might have a rebrand, or they might have a whole new group of users, or maybe their content is going stale and they want to get some automated applications into the signage, just so then maybe there's safety messaging or health tips or something like that that we can really assist with and provide that automated content. So I would say it just runs the gamut of what the client's use case is and who they have managing it. I think that's one of the things we've learned, especially with these larger projects. If they don't have that from the beginning, it might be something that they implement in six months and that's where we come in. That's where that support continues to be unlimited and ongoing, and we provide that whole service solution.  Darren Wercinski: I would say that reaches a very hands-on customer focused, client-focused company. We are here to help them. We're here to be flexible with their needs and I think that's really been part of our secret sauce in terms of adding a lot of clients across many industries. Kiersten Gibson: Just the one thing to add to that, with really the shift from our business model, we are SaaS-based and that service at the end is really the thing that we focus on. As Darren said, it's the software, but it's also the service and we provide, both end-to-end solutions that way. Yeah, I was gonna say that I've certainly run into companies through the years, software companies that are very good at sales, but it falls apart in aftercare. They close the deal and they're onto the next one, and they're not really paying much attention to their clients and as a result, you see a lot of attrition, a lot of churn, where end users have a contract with one company for three years, and as soon as that contract is lapsing, they're moving to somebody else because they're not seeing the kind of service they want. Darren Wercinski: Yeah, I mean we love the fact that these companies keep getting bought up by private equity firms and the first thing they cut out is their support. Even though I know you got bought out by a private equity firm, our secret. I'm on our support team, so…  Darren Wercinski: But I mean that for us is good news because it's just that model, which is when consolidation happens, usually support is one of the things to go, and that's where we can differentiate ourselves against bigger competitors and say, listen, they might do some things. They might be bigger, but we're certainly gonna be better on the support side, and we've seen a lot of new customers come over from companies that have and industries that have been left out there and we've swooped in and one I can think of, we just took over Texas A&M from a competitor that was for a number of years and now it's a network of over 400 licenses and they seem really happy with the service and excited to keep expanding.  I'm curious about that one in particular. We don't have to dig into it very much and cause any trouble, but I'm curious when they're making a switch, it's more about service and that sort of thing, as opposed to price, which used to be, and I guess still in the case in some situations where the reason why people switch is that they just wanna trim their budget. Darren Wercinski: Yeah, and I definitely think that and I'll just say the names, I don't care, it doesn't matter. When we go do RFPs against Four Winds or AppSpace or even Spectrio to some degree, it does come down to price and we try to add both the value component and our software, the service component and the price component, we're certainly gonna be under those three in particular, and we try to bring that value equation and lots of references from our other partners who may have used those guys or others in the past, who say, Reach is a great option and they're a little bit less expensive and they frankly do a better job.  I've been aware of Reach for many years now. It's been a little bit confusing because there's a whole bunch of companies out there that use the term ‘reach' if they're associated with media in some way and of course, there's RMG Networks, which confuses things for me.  Darren Wercinski: We actually, at one time, this is very long ago, I think his name was Gary McGuire, correct me if I'm wrong, and so that's how long we've been around. And so we were actually working with Lifetime Fitness and Lifetime Fitness was both working with our Reach and Reach Media Network and RMG and we had even a legal at Lifetime Fitnesses send us each individual contract for the wrong company, so that's how confusing it was and stuff. So we've just been around a long time in space, but really in our roots and I think that's maybe where some people don't know as much about Reach or just our story.  So we actually started out with Mark Klein, my business partner, and co-founder, this was years and years ago, so I think in 2005, we were thinking about a business model that could really attract in sort of the youth sports space and so I was working at Best Buy Corporate at the time in the strategy group, the one thing I realized was going to be a real challenge for Best Buy was the price of Plasma screens, if you can think that far back were gonna collapse. They knew this capacity was coming on in China. We knew the cost of screens was going down and so a $3,000 screen for 50-inch plasma was gonna go to $250 in two years or whatever the number was.  I was thinking about that space. Mark really liked to use Sports space and we decided to actually go with an ad-based model where we would give, in this case, ice arenas, which are big in Minnesota, by the way, in Canada, as you know. We would provide them with the software and the technology that could show their locker rooms, and that was really their pain point because they used to have those white easel boards out that would show you like they'd write on them the locker room assignments. So we actually started and integrated with some software companies that would show the locker room assignments and we'd go out and sell basically local ads to really fund it and so that's how the company grew and grew. Outside of Minnesota and Canada and a little bit on the East coast ice arenas just aren't really that big of a deal, and that's how we started expanding into other verticals, really more fitness-centric, so YMCAs, community centers et cetera, and we grew this ad-based market, and if you know anything about ads, and I think you do, especially in the digital signage, ads are certainly not bought, they're sold and it is a very grinding business. You're cold calling, you're relying on reps to really mow some commission base to go out and sell every year. There's not a huge high renewal rate on ads renewing every year. So that means you're going back into these same locations and trying to resell ads, and I'd say Reach has been a startup twice. So we actually built that business model just through ads and I'll say we think we had about a network of about 500 screens at the time. We built it to about a 5 million local ad business, which in that space is pretty amazing. So I'm always indebted to our ad team who helped build that out. But really at that time, I could see the writing on the wall that, in terms of trying to scale that business, which is next to impossible and actually there were some other companies doing that as well, and about that time, we either got to the point that our good locations or ad locations, they didn't want ads, they just wanted to use our software, and they said, “Hey, we really love your software. We don't want the ads on the screen. Can we just pay you a fee?” And I started thinking, yeah, that sounds great because it's that recurring fee, and at other times, we had ad locations that were terrible and in a bad part of town, or we couldn't sell ads, so we went to them and said, listen, we're gonna close this thing down unless you want to pay a fee and they said, sure, we'd love to, and so we slowly started transitioning our business model and we started getting into more colleges and just using our entire application to solve many of the use cases that we still have today.  Do you do any digital out-of-home stuff now?   Darren Wercinski: We do a little bit just because I'm so damn loyal to all those reps who've helped build the company. So we do still have a little bit of that business, but primarily it's almost everything is geared toward software as a service. At one time, I'll say eight years ago for the platform we had about 20 reps, one IT guy, maybe one other support guy, and the rest were just grinding through ads, and so now we have almost 20 developers and IT people, we have a variety of different teams. Kiersten, you could probably tell me more about how the company's changed over those years.  Kiersten Gibson: Starting out with what Beer Pong lunches on Wednesdays with a group of 10 of us? Darren Wercinski: Those were the good days. Those were the fun days, Dave, where you could just relax at lunch and play some Beer Pong and sometimes the problem was a Beer Pong extended from lunch into the afternoon, into the evening. Kiersten Gibson: There's a lot more structure.  Darren Wercinski: No, there are maybe some good stories. Kiersten Gibson: Yeah, I was gonna say, definitely 10 years ago, that's when I started with the company, I sat next to our one developer. There was one support guy who also installed too. So we still installed the screens for these ad-based facilities, but, the one thing I would say, as Darren said, is we have 20 developers now from the one when I started, but then also just our customer success teams. We always knew that support obviously was a big component. We've always had at least one support person when the company started. But now we have just different customer success teams that we continue to build on. As Darren said, our install coordinators are more or fewer project managers for that implementation. We have an account management team, we have a support team, we have a design team. We're building our marketing. So one of the things that are really exciting, especially what I've been involved in, is not only expanding our clients but building our partnerships, not only with our hardware providers but some of our integrator partners. Like Darren was mentioning with the locker room schedules and everything, just really expanding on that because at the end of the day, building their confidence with us is only gonna help build our client portfolio as well. I found it interesting when you were talking about the locker room schedules, Darren.  Going back to the mid-2000s doing data integration like that, and that's fundamentally what it was, was pretty rare. You would see it in airports on departure screens and so on. But that was pretty much it. So you were doing what I call boring signage, but boring being a good term, going way, way back. Is that still a substantial amount of what you do? Darren Wercinski: The integrations are the key to our entire business, and that's how we also differentiate ourselves in terms of our integration. So it's a skillset and a capability that we built early on, and you're right, you have to think of a way that makes the signage actually useful to your end users and creates value to not only the people seeing your screens, but into the locations, and so they have something that people actually wanna see, and so in our case, our first hook was really around pulling and scheduling information, and we've expanded that into so many different areas. So our capabilities around the integrations are really key. And I know Dave, I've seen in some of your other podcasts, or you even mentioned a little bit about the way you think that some CMSs are too generic in nature and that they should be industry-focused, and I agree with you in one respect, but I think on the other, you have to have a capability that's really meaningful to clients over time, that actually does give you some stickiness and the other thing I was thinking about and why you don't know as much about Reach is I think we took a little bit different path in terms of our own marketing and how we grew a lot of our clients, whereas some other CMSs may have just focused on going to the sort of the industry trade shows, which we went to as well, we would go heavy into a vertical trade show.  So we would find a vertical we like, maybe it's churches or car washes, and we'd start hitting all these industry-specific shows. So we would be the only digital signage company that would be setting up a booth at these kinds of random verticals and it started to really grow because we'd be the only ones there, and you'd start to take on 10, 20, 40, 50 customers. So you develop some capabilities within these industries. So you'd become the car wash guy or you become the church guy, or you become this variety of verticals, and I think that really helped in our growth. Now that we've expanded with so many clients, we don't do quite as much of that anymore, but it's really the way in which we navigated our client growth and our go-to-market strategy.  Yeah, and I think that's really smart. I've written about that a few times, about companies that don't put all of their marketing eggs in the Infocom or the DSE basket. They show up at these weird little shows like airport technology or airport security conference. Yeah, and like you say, you're the one pretty girl at the dance.  Darren Wercinski: Yeah, it's made a huge difference in terms of that, and I think that kinda gets back to our support too. When you start to build these relationships and people refer you and you grow your market space there.  You mentioned, you're doing more work in hospitals and corporate, is that because you've focused on it, or is it just an area that seems to be growing? Darren Wercinski: Kiersten is our EVP of Sales and Marketing, and she is the one that's really talking to the customers and has the most insight. I'm just the one that watches the sales come in, and smiles at the end of the month, hopefully.  And yells at people if they don't come in! Darren Wercinski: Yeah, that's right. I do that. Thank you, Dave. I like that.  Kiersten Gibson: I would say in terms of hospitals and our corporate clients, it wasn't like we were going after that industry by any means. I always think of it as a use case. We could provide the same exact use case for a corporate company that we provide for a hospital, that we provide for education, and my examples always go back to say break rooms. So employee communications, it really doesn't matter which vertical you're in, that use case is pertinent to any type of industry.  I think with Covid, that's where we saw the biggest uptick in corporate and healthcare for us, Mass General was one of the biggest ones that came to us pre-Covid and really working with their Head of IT to build the network within Partners Healthcare, which that's what Mass Journal is a part of. So that's just one example. But in terms of our corporate and employee communications, where we really started seeing it taking off again, going back to those integrations, we really focused on the integrations that were most common amongst our entire client portfolio. So one example is Power BI. We were one of the first CMSs to build a Power BI app that was easily authenticated by pulling their reports and dashboards, we built a OneDrive integration. We built Zoom, WebEx, and Teams integration. So all these are small integrations that they don't have to pay extra for, they can easily do it themselves. That is something, I think that's where we saw our corporate footprint really start to grow. Darren Wercinski: The other thing that's funny about that, because I was on some of those calls, and I was thinking about the Power BI one in particular with the client and they're still our client, they've been with us for five or six years and they've grown quite a bit. We were on the call, and they said, can you do this? And I'm eyeing my Head of IT. His name is Nate Davis. He's outstanding, our chief technology officer, and Nate's always great cuz he says there is definitely a way we can build this, how much it's gonna cost and how much time it's gonna take might be a different thing. But we ended up building this and I committed to the customer at the time, we're gonna get this Power BI app built and we built it in, I'll say four weeks or whatever. But it's a great application and that's kind of the way in which we go to market in terms of if our clients are asking for something and we think we can build it for them and then, and obviously leverage it to other clients as well, that is certainly something we will do to help win some deals and show that flexibility and our willingness to partner with our clients over time. Is that why you have 20 developers? Because it seems like a lot of people for a relatively small company to be focused on development, but there's a lot of work to do those integrations, right?  Darren Wercinski: There is, but that is twofold. One, we have a goal of doubling our revenue in the next two, basically two years. So we feel like we're in a really good spot. We're really aggressive now in hiring people and coming out of Covid and realizing the success that we've had and we'll continue to have. We really wanna hit the accelerator. So I've been spending a ton of money on the team. We're doing a giant CMS rewrite that we're spending almost $2 million on and we're all in to try and take the company to the next level, and I don't even mind telling people this, because it's just part of our vision, a year ago we were at $5 million in recurring revenue and. We had a great year last year and we expect to be at $10 million by the end of 2024. So those are some big aspirational jumps, but that's what we're going for..  And how is this being funded? Is it just out of your own revenues, or are you docked?  Darren Wercinski: I guess I had some original investors. Thank you, mom, my uncle, and my cousins, but it's all been I just raised a little bit of seed money when I first started, this is 2005. We haven't raised money in, I don't know, 10 years, and I bought out a lot of the investors along the way. They literally put in $10,000-$20,000 bucks. It's a lot of money, but relatively speaking, it was small, but I've always focused on making money. So that's the one thing. I never wanted to be beholden to investors or banks or anybody else. I've never taken VC money because I had a vision for the company. I wanted to control it, and I was perfectly fine by the way, running on a path that was different from others, I was fine with incremental or continuous growth and making a profit at the same time and maybe that's why we didn't grow as fast as we could have because I had a budget and I stuck to it. But at the same time, I think it puts you in a much better position.  When you're scrappy all the time, it forces you to do different things, and I'm not saying Kiersten and the team would call me cheap, would you ? Don't answer that!  But I was very prudent, and I really wanted to invest in the things that I thought added the most were the most meaningful for our clients so support and, being flexible with them and trying to, provide free services, like creative and all these things that, that really add value over time. To answer your question, I think our paths have been a little bit different but certainly one, I won't go back on.  Are you getting the phone calls and the emails and, how are you doing from private equity and VC people?  Darren Wercinski: I do, but I don't respond, and it's been nonstop, and actually, so there are different stages in the SaaS company: if you can get to $1 million, you can grind out and do that. If you can get to the $2 to $3 million, that's a win, and when you get to $5 million, it's an interesting thing because private equity and some VCs, start to come hard because they like the model and it's working. They have a lot of cash available too, that's in the industry. So they're trying to make investments and do things. But for me, it was never really about the money or trying to sell. Obviously, we have had the company for almost 20 years, I love the employees. I love what we're doing. I think for me, resetting our goals of trying to double our revenue was really exciting because we also had to redo, we had to add staff. We're adding some new leadership right now in terms of a Customer Success Director to really manage the team and hopefully take our customer success to the next level, and so to me, the challenge is trying to grow that revenue and really redo things in a company and build in new processes that are gonna make us scalable to that $10 million bogey. Put it this way, I'm not gonna be sitting on a beach and Nova Scotia with you, Dave, counting all the cash that you made.  That's right. You wouldn't want to today anyways. It's snowing, although not as bad as it does in Minnesota. I was curious, about one thing you said where you are doing a complete software rewrite, and is that kind of a nod to web services and everything that's emerging with technology right now where you can't just continually build out something, traces back in some respects to 2005. I know a company in the UK that built their platform in I think 2015 and by 2019 or so, they said, you know what, we're tearing it up and we're gonna rebuild just because they could see all the new capabilities out there.  Darren Wercinski: There are two answers to your question. One is: we were getting customer feedback which may have been great by the way. Our NPS score is super and we love that stuff they give great feedback every time that we can really use, and some of it was: It's a little hard to use now. It's a little clunky. It's a little this thing. We love your stuff, and we really needed to just take a look at our c m s and make it easier to use the challenge. So going back when you try and please every customer, you end up building a lot of one-off stuff along the way, and all of a sudden you look at your application, and yeah it's robust, but it's not exactly intuitive because you have to do X, Y, and Z. And we built a lot of this stuff quickly to try and get those deals closed and build it out. So one first part was just, you know what? We need to refresh and reset and get more customer feedback and more UI and UX capabilities into our platform. So that was the trigger number one. The second was: the industry's changing too, by the way. It's not just signage on a screen anymore. You have to be able to reach people outside of your traditional office setting or facilities, and so we've spent more time trying to make our application flexible so people from home can see our digital signage on their computers through teams or through websites digital signage, or just a more flexible approach to meet people because they're not always coming into the office anymore. And the communications team still wants to reach people. We just wanna be a more flexible platform to do that.  Kiersten, do you have any additional thoughts on that? I know you talked to the clients quite a bit.  Kiersten Gibson: I was gonna say, going back to when I started too, one thing you might not know about me, Dave, but Darren hired me as our project manager for our mobile application that he thought was really gonna take off Darren Wercinski: You test and you'll learn, okay, Dave, you test and you learn and you evolve. I have no problem making mistakes, a lot of mistakes, and learning from them.  Kiersten Gibson: So learning how to code without having a degree in coding was very interesting. But we did it. But no, I would say, one thing I've learned over the years is, we tried to add on all these additional solutions. What we learned was we can't be everything to everyone and really focus on what we're good at, which again goes back to that digital signage. But we do have these additional solutions we still support. The mobile app still brings us a decent amount of revenue. So our mobile application that employees can download to view more information, it can be, again, going back to those fitness centers, maybe they're viewing schedules, things like that. But what we've really tried to push people towards is, like Darren said, the website digital signage, where it's say, embedded in their intranet.  So they can push the same messaging from their digital signage into the website. So remote employees can view the same messaging and it's right there too. So you're not expected to say it's a screensaver. It's not something that a particular employee can disable. It's something that they're forced to see because they have to go on their intranet every day. So I'd say that's what we've seen. It's just kind of an add-on to their digital signage network if you will.  Are you finding that the average customer is more equipped with knowing what they want and how they're going to use it than in the past when, I'm sure, 10 years ago the conversations you had were just explaining what the hell digital signage was and I assume now that they know exactly what it is and they know how they wanna use it?  Darren Wercinski: Yeah, if you think about it, I'll say even five years ago, we used to sell a hell of a lot more hardware in this all-in-one solution where we would sell them the screen, the media player, the installation, the mounts, we'd sell all because that's all they knew, and so over the last couple years, our hardware has gone way down, which is awesome because that's one industry we don't want to be in, and we're repurposing a lot of stuff. So we repurpose some competitors' players at times, we start to just sell more software and it's already set up as well where we're just replacing stuff that they have. I am also curious about AI and how that plays a role in future development, or does it?  Darren Wercinski: For us? Not really. I can't say that's been a question, I know there are other companies out there that actually do that. They may be more retail-centric or whatever. I wouldn't say retail's a huge industry for us because there are certain things that other companies do better than us. We have not spent any time really thinking about AI. We're really trying to focus on trying to expand our “reach” outside of the traditional office setting through those applications that Kiersten had just mentioned.  Yeah, I know all the AI stuff for digital science to date has been focused on computer vision, but I could imagine all kinds of capabilities around content production, smart scheduling, smart triggering, and all that sort of stuff down the road. But it's still just evolving right now.  Darren Wercinski: Yeah, and it's just a capability. As Kiersten mentioned, we can't be everything to everybody, and we're really trying sort of stick to that.  Reach has been notoriously famous for creating applications that were about 80% done, we would get them to work, but we never really got that full implementation, and communication out to the client. So that's actually the one thing that I changed last year in terms of the beginning of 2022, maybe it's all my fault, but it was a direction we set where we really were trying to always, and now it's like no, let's just hit the pause button, let's do things that are meaningful, let's say things that are purposeful that our clients are asking for, and that we can communicate back out. And so that was one of the big shifts that we made at the beginning of last year, and to get user feedback, we would build stuff sometimes with basically never talking to our clients or assuming what they wanted, and then it would sometimes be right but sometimes be wrong, and so we really hit the pause button and changed our strategy around real development, and that's also why I think we added seven developers last year and just changed some processes. As I said, these are big investments in space.  All right. This has been great. If people want to know more about your company, where do they find you online? Kiersten Gibson: Yeah, you can find us on our website. There is a contact us form that they can fill out to learn more. So our website is reachmedianetwork.com  As opposed to the four or five other Reach Medias that you'll find if you Google it?  Kiersten Gibson: Reach Media Network Digital signage. Darren Wercinski: You know what's funny? One last thing is we were actually BroadSign's second or third customer, just to give you a sense of how long we've actually been in the space. RIP Brian Deseo because I was sorry to hear that. But I remember working with Brian and they were actually out in Idaho at the time, that's how long ago it was. But I just thought about it, thinking about the company and our journey over the years to see Broadsign where they're at and where we're at. But we actually were the second or third customer way back in 2000.  Back in the day, yeah. All right. Thanks again for taking the time with me. Darren Wercinski: Appreciate it, Dave. We look forward to seeing you at your next party.  Kiersten Gibson: Thanks, Dave. 

Für Versicherungen interessiert man sich immer dann am meisten, wenn man sie gerade braucht. Keine leichte Aufgabe also, eine Versicherungs-App an den Start oder Versicherungsprodukte an den Kunden bzw. die Kundin zu bringen. Wie sich dieses Problem lösen lässt, warum es bislang noch keine All-in-one-Versicherung gibt und warum die Blockchain vielleicht weniger nützlich ist als gedacht, diskutieren Clark-Gründer Christopher Oster und Ergo-Chief-Digital-Officer Mark Klein miteinander in diesem Gemeinschaftspodcast von OMR und dem Berliner Wagniskapitalgeber Project A. Hier trifft der Neuling auf den Platzhirsch – mit überraschenden Erkenntnissen.

Thank you: Bernie DeKoven, Patch Adams, David Westbrook, Chris Celio, Mark Williams, Mark Preston, Steve Rawlings, Sinbad, King Cole, David & Patty Rule,. Dan Hurst, Jessica Clem, Jonah at family tree nursery, Jim Fussell, Jeff Matovic, Jack Mandlebaum, Sandy DiGiovani, Ginny Tadlock, Chris & Susie Joiner, New York City Firefighters, Rachel Monley, Steve Barrett, Bowen White, Lonnie McFadden, Jeff Lee, Bob Gretz, Hank Young, Dan Israel, Max Deweese, Dave Stevens, Will C, Danny Black, Aaron Bono, Walt David Disney, Greg Vaughn, Scarman, Ed Golden, Greg Thomas, Tom Albers, Traci Bray, Alfred Sauchelli Jr., Max Floyd, Deron Cherry, Mark Preston, Steve Rawlings, Bryan Busby, Ann Priesley, James R. Hahn, Dr. Eric Kulick, Mike Thompson, Lance Ringnald, George Gates, Patrick and Matilda, Mike Saccone, Julie Mulherne, Bob Hill and Michael Zedick, Lauren Fritts, Kevin Harlan, Elliot Threat, Jeff Trachta, Care Tuk, Folks at the Barber shop, Jack Poessinger, Sherry Kuel, Carl Peterson, Bob Costas, Ethan Bryan, Kate McGuck, Kerry Smith, Steve Garrett, Chris Fritz, Bob Garett,, Sam Griesbaum, Chuck Morton, Tom Burgoon, Derek Chappell, Bob Eubanks, Jan Zimmerman, the two dectectives in Raymore Missouri, Joe Castiglione, Jan Thomas, Ben Kitchen, Rich Young, Scott Corbin, Tan Nuygen, Harry Lorrayne, Kendall Gammon, Greg Pryor, Dan Meers, Mark Klein, Paul Chapa, Curt Diebel, Dave Wilson, Gavin Jerome, Suzie Aaron, Larry Corrigan, Elizabeth Wilson, Eli and Jennifer Cooper, Storey Pryor, Roger Hicks, Robert Anderson, Jay Eudaly, Bob Boring, Max Brown, Dr. Jean Moretta, Jerry Van Alst, James R. Zingleman, Bill Munholland, Joel Madison, Joe Caronia, Johnny Rowlands, TyJones, Gayle Sanders, Gary and Trish Walker, Bob Burris, Doug Broderick, Henry Cho, Gary Jenkins, Rob Carson, Paul Craig, Rich Pupura, Joey Corona, Dan Hurst, Craig Minervini, Glen Hilton, Bill Decker, Joe Crane, Wes Lockard, Max Brown, John Routh and everyone who has shared a story. If I have left out your name – let me know and I will gladly add it. So many more Podcasts to come. Let me know if you have a story or someone I should interview so we can help heal the world – one laugh at a time. THANK YOU TO ALL WHO LISTEN. naster.com 913 963 9486

He talks, you laugh. Mark Klein performs at corporate events, cruise ships, country clubs, and comedy venues from Alaska to Florida. His act is fast, funny, clean, and engaging. Mark is a native of Louisville, Kentucky. He graduated from Colgate U. with a B.A. in English (let this be a warning to your children), and has made his living with laughter for over 30 years. Media credits include CBS, Showtime, Forbes, GQ, and Sirius XM. Mark headlines shows for cruise ships, corporate events, country clubs, resorts, and 55+ communities from Alaska to the Bahamas. He is also a thoroughbred race horse owner, real estate investor, husband, father, and the official walker of the dumbest dog in the world. Contact Mark Klein at: corpjester@hotmail.com (502) 500-4233

New York City residents have the highest State and City tax burden in the country (it's over 15% at the top level, recently overtaking California). It's no surprise that New Yorkers are constantly strategizing around their tax burden and potential moves to other states- especially for high earners or those looking to sell a business. But a lot of New Yorkers suffer from 'advice by cocktail party" and many misconceptions float around as people assume that being out of NY for more than 183 days is "enough". Getting out of New York's tax grip is a lot more complicated than that.So we're going to one of the top experts in the field, MARK KLEIN of HODGSON RUSS.Mark is Partner and Chairman of the Firm and concentrates his practice in New York State and New York City tax matters. He has more than 35 years of experience with federal, multistate, state and local taxation –He may be best known for his public speaking on tax topics. Mark splits his time between the Firm's New York City and Buffalo offices.For New Yorkers listening, you are going to learn a lot on how to arrange your affairs when for state tax purposes. We're also going to talk a little bit about the "Convenience Rule" which is impacting a lot of New Yorkers who have "relocated" due to Covid.What do New Yorkers face?-Income and Capital Gains Tax that is the highest in the nation (Over 15%)-Estate TaxWhat are the typical options when reducing the tax bill? What do you have to show?When moving to a non-tax state, what does a client have to think about? What about the new normal with COVID? What if I'm not working in NYC anymore? Mark and his team at HODGSON neatly sums up the issues here: https://www.hodgsonruss.com/what-to-expect-in-a-new-york-residency-audit.html WHAT TO EXPECT IN A RESIDENCY AUDIT A New York State residency audit is one of the most difficult, intrusive, and document-intensive of all personal income tax audits. And the New York Tax Department has one of the most sophisticated and aggressive residency-audit programs in the country. This handbook follows a question-and-answer format that should tell you everything—ok, almost everything—you need to know about what happens in these audits. You'll have to call us if you want to know everything! WHAT IS A RESIDENCY AUDIT? A residency audit is designed to determine whether you correctly filed as a nonresident or part-year resident of New York. Because New York residents are subject to tax on their worldwide income while nonresidents are subject to tax only on that portion of their income attributable to (“sourced to”) New York, the difference in tax liability can be significant, particularly if you have substantial investment income. If there is a possibility that you were also a New York City resident, the difference in potential tax can be even more significant since New York City residents also pay tax on their worldwide income while New York City nonresidents pay no tax to the City at all, even if they work there. The audit will generally cover three areas. First, the auditors will focus on the first residency test, called the “domicile” test. Second, the auditors will look to the alternative residency test, called “statutory residency.” And finally, even if you are able to establish nonresidency, the audit will also examine whether you properly “allocated” your sourced income to New York on your tax return. We usually don't see the New York auditors examining other underlying components of a tax return—such as the income and deductions reported. But in more recent years, as auditors have become better trained (and more aggressive), there has been more of a shift in focus to the ENTIRE tax return, so you should be ready for such questions as well. HOW LIKELY IS IT THAT I WILL BE AUDITED? Very likely. If you are a high-income taxpayer claiming a move into or out of New York, it's a near certainty you will be audited.

Moving for work or a new venture can be exciting.  But new taxes you may be paying less so. In this episode, the chairman and partner of Hodgson Russ LLP, Mark Klein, joins Iván Watanabe and Russ Carpentieri to discuss the true cost of moving states. Mark explains taxes and auditors when moving, and answers … Continue reading What to Know About Moving Across State Lines With Mark Klein →

Have you ever wondered what it might be like to visit where our souls originate and to experience the unfathomable source of Supreme love?Join us as we interview Anthony Teresi who has traveled this journey countless times.Anthony is a renowned psychic, multi-dimensional visionary and author of the new book Rippling Waves: A Spiritual Journey Through the Heart of the Universe.After years of exploration into the highest realms, Anthony is sharing his experiences to inspire, transform and help us all experience the presence of the most profound revelation of love. He will guide us on an epic adventure to awaken the deepest truth of who we are.Rippling Waves calls for a renaissance of spiritual and planetary harmony.Tune in for this philosophical conversation at TalkRadio.nyc or watch the Facebook Livestream by clicking here.SHOW NOTESSEGMENT 1Dr. Georgeann Dau introduces tonight's special guest Dr. Mark Klein and also thonights show titled “ Our Life Beyond Our Expectations.” Dr. Mark Klein is a physician and has written a couple of books. “ Franklin Rock” is the title of Dr. Mark's most recent book. “ Franklin Rock” mission to fix the world. “ Franklin Rock” is about a college student that is 20 years old that feels that his life is very unique. Dr. Mark tells the audience and Dr. Georgeann. Dr. Mark uttered that we can make a difference every single day and we don't need a degree to do it. Dr. Mark says that at the end of every book he writes and publishes he doesn't really care if people read his book. Dr. Mark's agenda is to make the world better. Dr. Mark ends the section by saying, “ If you understand time and know how time works, you will change your view of the world and ultimately change your life.” SEGMENT 2Dr. Georgeann mentioned that she never has enough time. Dr. Mark uttered that most people believe that time is a timeline of history and events that once happened to you. Dr. Georgeann and Dr. Mark discussed that moments of time never disappeared. Dr. Mark remarks that the future has already occurred because we somehow have reversible particle interactions. There has been a lot of deaths that have occurred this past year due to Covid-19 and suicide this past year. Before the section ended Dr. Mark uttered that you don't need to fear death, you don't need to fear the future, your only job is to be the best version of yourself and help others by any means possible. SEGMENT 3Dr. Georgeann remarks that when you bring love, energy and truth to the table you will be unstoppable. You are the creation of God and God gave you the opportunity to continue to build and create more Dr. Georgeann discusses with Dr. Mark. Dr. Mark mentions that the purpose of life is to not get rich, the purpose of life is to make choices, influence behavior, shape goals, offer a sense of direction, and create meaning. Dr. Mark went to college for a total of 13 years to chase his dreams. Dr. Georgeann remarks that how we live and how we die says a lot about us. Dr. Mark believes that no one ever dies and that there is something else going on rather than just dying. When times are hard and tough in your life go help someone else because that person might need the help more than you do and that is the magic of life Dr. Georgeann and Dr. Mark discussed. SEGMENT 4Dr. Georgeann uttered that there is really nothing new going on in life and that everything happens for a reason. You have to get to a certain point in life to get the new job meaning that in life there are levels to it, Dr. Mark mentioned. Dr. Mark remarks that we all make choices in our lives and those choices define us the way we are and the way we think. Dr. Mark shares a quick story with the listeners and Dr. Georgeann about how our life choices worked. The podcast ended by Dr. Georgeann and Dr. Mark discusses that we need to be free and we have to liberate ourselves from our choices.

States have ramped up their methods for generating revenue in recent years and the pandemic has added more complexity with many employees working from home. In this episode of the PFP Section podcast, Lauren Minch interviews state tax expert and attorney Mark Klein to get his take on the following topics: When do employees need to beware of double state taxation? Are there exceptions to the rules due to the pandemic? What can an employer do to keep track and make good business decisions? Access resources related to this podcast: Note: If you're using a podcast app that does not hyperlink to the resources, visit http://pfplanning.libsyn.com/ to access show notes with direct links. Learn in depth with Mark Klein in his session at the PFP event at AICPA ENGAGE. Get more on the latest planning ideas in our Proactive Planning Toolkit. Hear from Steve Siegel on changing domicile in today's environment. This episode is brought to you by the AICPA's Personal Financial Planning Section, the premier provider of information, tools, advocacy and guidance for professionals who specialize in providing tax, estate, retirement, risk management and investment planning advice. Also, by the CPA/PFS credential program, which allows CPAs to demonstrate competence and confidence in providing these services to their clients. Visit us online at www.aicpa.org/pfp to join our community, gain access to valuable member-only benefits or learn about our PFP certificate program. Subscribe to the PFP Podcast channel at Libsyn to find all the latest episodes or search “AICPA Personal Financial Planning” on your favorite podcast app.

Some of the best counsel comms leaders will ever glean comes from counterparts in other industries. This was wonderfully exemplified during this podcast, sponsored by Padilla. On it, Padilla president Matt Kucharski (top left), Cargill's VP of global communications Anna Lovely (bottom) and Mark Klein, SVP of corporate communications and public affairs at CommonSpirit Health (top right) share many such examples that have helped them – and will help and inspire you.

“It’s a really, really, really big world out there and there are a lot of customers in it.” That is among the parting shots during an engaging conversation with Mark Klein, regional director for the Export-Import Bank of the United States. Klein adds that companies, no matter their size or product line, should not be afraid to ask for help. While exporting may not be for everyone, there are more than a few businesses that would no longer be in business without the international customers. EXIM is the official export credit agency of the U.S., supplementing financing that is already out there. Through a pre-export solution to export credit insurance and foreign buyer financing, EXIM reduces risk and provides the guarantees that help keep the export chain well-oiled. Klein has 20-plus years of experience in Indiana in the banking and EXIM worlds. Learn more:Export-Import Bank of the United States (www.exim.gov)Mark Klein (www.linkedin.com/in/markklein1)

“It's a really, really, really big world out there and there are a lot of customers in it.” That is among the parting shots during an engaging conversation with Mark Klein, regional director for the Export-Import Bank of the United States. Klein adds that companies, no matter their size or product line, should not be afraid to ask for help. While exporting may not be for everyone, there are more than a few businesses that would no longer be in business without the international customers. EXIM is the official export credit agency of the U.S., supplementing financing that is already out there. Through a pre-export solution to export credit insurance and foreign buyer financing, EXIM reduces risk and provides the guarantees that help keep the export chain well-oiled. Klein has 20-plus years of experience in Indiana in the banking and EXIM worlds. Learn more:Export-Import Bank of the United States www.exim.govMark Klein www.linkedin.com/in/markklein1See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Dr. Mark Klein, author of the new book "Franklin Rock"

Our very early years of life begins our journey of how we perceive our world. Our concepts of life, death, and time can be extremely limited. We are called to live expansively with hope and promise. Jesus lived and died revealing to us the truth of love, life and death. Join our exploration into these spell-binding mysteries with our guest Dr. Mark Klein.Tune in for this fascinating conversation at TalkRadio.nyc or watch the Facebook Livestream by clicking here.Show NotesSegment 1Dr. Georgeann Dau introduces tonight's special guest Dr. Mark Klein and also thonights show titled “ Our Life Beyond Our Expectations.” Dr. Mark Klein is a physician and has written a couple of books. “ Franklin Rock” is the title of Dr. Mark's most recent book. “ Franklin Rock” mission to fix the world. “ Franklin Rock” is about a college student that is 20 years old that feels that his life is very unique. Dr. Mark tells the audience and Dr. Georgeann. Dr. Mark uttered that we can make a difference every single day and we don't need a degree to do it. Dr. Mark says that at the end of every book he writes and publishes he doesn't really care if people read his book. Dr. Mark's agenda is to make the world better. Dr. Mark ends the section by saying, “ If you understand time and know how time works, you will change your view of the world and ultimately change your life.” Segment 2Dr. Georgeann mentioned that she never has enough time. Dr. Mark uttered that most people believe that time is a timeline of history and events that once happened to you. Dr. Georgeann and Dr. Mark discussed that moments of time never disappeared. Dr. Mark remarks that the future has already occurred because we somehow have reversible particle interactions. There has been a lot of deaths that have occurred this past year due to Covid-19 and suicide this past year. Before the section ended Dr. Mark uttered that you don't need to fear death, you don't need to fear the future, your only job is to be the best version of yourself and help others by any means possible. Segment 3Dr. Georgeann remarks that when you bring love, energy and truth to the table you will be unstoppable. You are the creation of God and God gave you the opportunity to continue to build and create more Dr. Georgeann discusses with Dr. Mark. Dr. Mark mentions that the purpose of life is to not get rich, the purpose of life is to make choices, influence behavior, shape goals, offer a sense of direction, and create meaning. Dr. Mark went to college for a total of 13 years to chase his dreams. Dr. Georgeann remarks that how we live and how we die says a lot about us. Dr. Mark believes that no one ever dies and that there is something else going on rather than just dying. When times are hard and tough in your life go help someone else because that person might need the help more than you do and that is the magic of life Dr. Georgeann and Dr. Mark discussed. Segment 4Dr. Georgeann uttered that there is really nothing new going on in life and that everything happens for a reason. You have to get to a certain point in life to get the new job meaning that in life there are levels to it, Dr. Mark mentioned. Dr. Mark remarks that we all make choices in our lives and those choices define us the way we are and the way we think. Dr. Mark shares a quick story with the listeners and Dr. Georgeann about how our life choices worked. The podcast ended by Dr. Georgeann and Dr. Mark discusses that we need to be free and we have to liberate ourselves from our choices.

To quote today's special guest, Dr. Mark E. Klein in his book Franklin Rock: "It is both foolish and unnecessary to worry about our choices. There is no such thing as a best or right choice. That is because any choice we make will be influenced by the billions of other choices made every day. There is no way to know the outcome of any single choice. There is no single way for things to work out. Choices made by you and others will simply create a different reality. Like a train heading down the track, switches are thrown, and the destination may change. No one destination is better than another. Each will yield a different set of events, but since the goal is always the same, each has the potential to get you to where you need to go." The next Eckhart Tolle,Dr. Klein loves to write. In his book, through his fictional character Franklin Rock, he teaches the reader about the gift of honesty, integrity, friendship, forgiveness and the importance of keeping perspective and at times, a sense of humor to get through it all. Mark E. Klein, M.D. is a physician and author. His career has been centered on caring for others, whether they be patients, colleagues, or strangers. He is always a teacher, sometimes of new medical technologies to other physicians from around the nation and the world, other times of those even more important issues of life that none of us can avoid. He continues to practice medicine in Washington, DC. Franklin Rock is his third book and his first novel. He has four children, four grandchildren, and lives with his wife in the Washington, DC area.

Begeisterungsfähig, herzlich und ohne Furcht! So wie sich Mark Klein beschreibt, wirkt er auch nach außen und spiegelt damit gleichzeitig das Erscheinungsbild der Wirtschaftsjunioren wieder. Mark ist IPP (immediate past president), also ehemaliger Präsident der Wirtschaftsjunioren Düsseldorf und stellt in der heutigen Folge unter anderem die Wichtigkeit der WJ in der Politik in den Vordergrund.  “Auch wenn eine gewisse Distanz herrscht: Politiker sind auch nur Menschen, die Fehler machen und Entscheidungen treffen müssen. Politiker verstehen uns erst, wenn ein Austausch stattfindet und dann kann auch gehandelt werden”. Eine Schnittstelle dafür bilden die Wirtschaftsjunioren. Mark betont die Begeisterung, die er auf die WJ ausstrahlt und gleichzeitig auch von dessen Mitgliedern empfängt. Über das Team und das Feuer werden hier aus kleinen Ideen großartige Projekte, die wirklich was bewegen können. Dies wird durch das Projekt um den Medienhafen Düsseldorf verdeutlicht.  Mehr dazu erfahrt ihr in der Folge, viel Spaß! Wenn Du auf den Geschmack gekommen bist und teilnehmen willst bei uns, dann besuch uns auf der https://www.wj-duesseldorf.de (Webseite) Dir hat die Show gefallen und Du würdest auch gerne wieder die Kontrolle über Deine Sichtbarkeit in den Medien zurückerlangen, dann lass uns über Deinen Podcast reden Deine https://www.Image-Sells.de (Image-Sells Podcast Media)

Dianna started flying in a J-3 Cub at six weeks old, flying with her airline pilot father. She learned to fly as a teenager with her father as her CFI, and soloed before she got her driver's license. Mark started flying as a teenager and paid for his lessons working at the Golden Corral. Both Mark and Dianna attended Embry-Riddle Aeronautical University and entered the Air Force after graduation. Dianna flew C-5s for the Reserves at Dover, then transferred to the Air National Guard. Mark was a FAIP (First Assignment Instructor Pilot) in the T-38 after Undergraduate Pilot Training, then flew the F-16 at Shaw Air Force Base. While there, he picked up the call sign Genghis. While in Korea, he was re-named Rush. Most of Mark's flying in combat was at night. Dianna picked up the nickname "80's Baby". Her first flight into Iraq was totally blacked out. In addition to Air Force flying, she was hired by a legacy airline, first flying the B-737, then the B-787. She also served in the Chief Pilot's Office as a management pilot. After finishing his active duty flying, Mark was hired by a different legacy airline and also transitioned to the Reserves. In 2010 they purchased a Cessna 170 from a friend, and have enjoyed owning it for the past ten years. They had the airplane through four moves. Dianna recently took a "Zero-G" flight, riding on a parabolic flight path. She also recently entered a beauty pageant, and was named Mrs. America-Nevada.

Mark Klein ist seit 2016 CDO der ERGO Group und hat mit einem Team von Experten Robotic Process Automation eingeführt. Sein Team und er entlasten dabei die Organisation, indem wiederkehrende Aufgaben von automatisierten Programmen bearbeitet werden. Mit Mark Klein rede ich darüber Was Robotic Process Automation genau ist Wie der Plan zur Einführung entstanden ist Wie sie RPA letztlich eingeführt haben Wie wichtig Fokus ist Was die Erfolgskriterien hinter dem Projekt waren Links in dieser Ausgabe Zum LinkedIn-Profil von Mark Über diesen Podcast Folgt uns auf LinkedIn für mehr Podcast-Updates Zur Podcast-Website Wir suchen immer nach neuen und spannenden Gesprächspartnern. Meldet euch bei uns.

We invite you to listen, and then join a conversation about this episode and exporting in general.  This is an important time for the export community to share what is happening in our sectors and how each of us is dealing with one of the most consequential health and economic events of our lifetime. Please reach out to me on exportstoriespodcast.com.  You can ask questions or post comments on the episode page.   We’re also on Twitter and Facebook! Thank you very much for listening.

Retired Navy Admiral James Stavridis, former military commander of NATO and a Bloomberg Opinion columnist, discusses his column: "Why Military Leaders Like Me Are Speaking Out." Tara Lachapelle, Bloomberg Opinion media and deals columnist, on dealmaking in the age of covid-19. Dan Ives, Equity Analyst at Wedbush Securities, discusses Apple making its own chips, and why FAANG will get even bigger after covid-19. Mark Klein, President and CEO of Sutter Rock Capital, on the venture capital landscape and rise in online education. Hosted by Vonnie Quinn and Paul Sweeney.

Comedians Mark Klein and Mike Nilsson drop by before their Comedy Caravan performance…

Comedians Mark Klein and Mike Nilsson drop by before their Comedy Caravan performance…

@marcism2 Today on-air a native of Novosibirsk, which is now based in Zurich - Marcism (aka Mark Klein). His main strength is in house music. Fast bass, impulsive synths and an eclectic selection of songs. Managed to record mixes for Guesthouse Berlin, Unsere Beweggründe (CH), Friede Freude Freitag, Kasheme and Moscow bar Deficit. Now he is actively performing in Switzerland but doesn't forget his Russian roots. Enjoy it!

An der Digitalisierung führt auch in der Versicherungsbranche aktuell kein Weg vorbei. Doch ohne den Rückhalt der Arbeitnehmer läuft nichts: Die Basis für einen funktionierenden digitalen Wandel im Unternehmen ist ein kultureller Wandel. Wie dieser gelingen kann, weiß Mark Klein, der Digitalisierungschef beim Versicherer Ergo. In unserem aktuellen Podcast erfahren Sie, wie er das Unternehmen digital voran bringt, was der Datenschutz für die Digitalisierung bedeutet und wie diese die Geschäftsmodelle in der Versicherungsbranche verändert.

Our guest is Mark Klein, comedian and self proclaimed bourbon aficionado. Mark talks about his comedy, history and horse racing. Jim and Randy sip on a little Michter's Toasted Bourbon and Peerless Bourbon. Subscribe to catch every episode. Follow us on Facebook, Twitter and Instagram @thebourbonroad. Find out more about Mark at http://corpjester.com/ Thanks to LogHeads Home Center for supporting this episode. Find out more about their fine rustic furniture at  https://logheadshomecenter.com/

Comedian Mark Klein joins us today to discuss coming up in the 1980’s comedy boom, how it has changed and what stays the same. Living in a sellers market in the 1980’s Being part of a comedy duo with Bob Batch Keys to making a corporate event a success Creating a clean show separate from his nightclub act Discovering laughs that were once masked by language The benefits of working on a cruise ship (yay - no cell phones!) Tapping into “Hidden World” comedy situations Learning to think about “Who’s Not Hiring Me?” A couple of thingS he wishes he would have done earlier The benefits (and limits) of having an agent What we are really paid for as comedians Dropping hints and planting business tips in your show Switching the focus from income to impact Producing a comedy show for cable TV and other outlets To learn ore about Mark Klein visit: WEBSITE: CorpJester.com FB: https://www.facebook.com/corpjester Episode Sponsors ... THE RIK ROBERTS SCHOOL OF LAUGHS www.SchoolOfLaughs.com  We are sponsored today by the Clean Comedy Challenge (www.CleanComedyChallenge.com) and Patreon supporter Ray Price. Visit PATREON to learn how you can support the podcast through a small, recurring monthly donation. THIS PODCAST IS PRODUCTION OF THE RIK ROBERTS SCHOOL OF LAUGHS. ANY MISUSE, REPRODUCTION OR UNAUTHORIZED ACTIVITY IS STRICTLY PROHIBITED. (C) (P)

Researchers #1: Mark Klein - NSA & Domestic Surveillance: part 1Guest: Mark Kleinhttps://sites.google.com/site/markkle...https://goo.gl/8TERpdBook: Wiring Up The Big Brother Machine...And Fighting ItWhistleblower Mark Klein tells the story of the illegal government spying apparatus installed at an AT&T office by the National Security Agency, and his battle to bring it to light and protect Americans’ 4th Amendment rights. After the New York Times revealed in 2005 that the NSA was spying on Americans’ phone calls and e-mail without Constitutionally-required court warrants, the Bush administration openly defended this practice which also violated the Foreign Intelligence Surveillance Act. All details of the highly secret program remained hidden from the public—until Klein came forward. A technician for over 22 years at telecom giant AT&T, Klein was working in the Internet room in San Francisco in 2003 and discovered the NSA was vacuuming everyone’s communications into a secret room, and he had the documents to prove it (sample pages included). He went to the media in 2006, and then became a witness in a lawsuit brought against the company by the Electronic Frontier Foundation.OmniTalk Radio Network Home Page:http://omnitalkradio.weebly.com/OmniTalk Radio Facebook Page:https://www.facebook.com/omnitalkradioOmniTalk Radio Twitter Page:https://twitter.com/omnitalkradioOmniTalk Radio Podcast Page:https://player.whooshkaa.com/shows/omnitalk-radio-the-podcast-hub OmniTalk Radio Podcast RSS Feed:https://rss.whooshkaa.com/rss/podcast/id/2591OmniTalk Radio iTunes RSS Feed:https://itunes.apple.com/us/podcast/omnitalk-radio-the-podcast-hub/id1271190891__________________________________________________Music Credits & Music Themes: Kevin MacLeod (incompetech.com)Intro Themes by Accelerated Ideas: http://www.accelerated-ideas.com/freemusictracks/aisearchtracks.aspx?stxt=intro

To Donate and Check out more of Mark's story visit http://www.nightingales-harvest.org and Nightingales Harvest on Facebook

Joan learned feature storytelling as first assistant editor with writer/director Paul Thomas Anderson and editor Dylan Tichenor on Boogie Nights and as first assistant editor with writer/director Quentin Tarantino and editor Sally Menke on both Kill Bill movies. Joan edited Being Flynn, starring Robert DeNiro and Paul Dano, for Paul Weitz. She also edited Tom Ford’s multi-award-winning A Single Man, starring Colin Firth and Julianne Moore, and the Academy Award winning short film The Accountant, directed by Ray McKinnon and Suburban Girl for Mark Klein. More recently, Joan again collaborated with Tom Ford on the acclaimed Golden Globe and BAFTA nominated Nocturnal Animals, starring Amy Adams, Jake Gyllenhaal, Michael Shannon, about an art gallery owner, haunted by her ex-husband's novel, a violent thriller she interprets as a veiled threat and a symbolic revenge tale.

Hey kids, I’m coming to you from aboard the Norwegian Escape this week and I’m talking to fellow comedian (and joke encyclopedia) Mark Klein (www.CorpJester.com). This week we talk about street jokes, Mark’s passion for horse racing and Mark’s extended … Continue reading →

Independent investigative journalism, broadcasting, trouble-making and muckraking with Brad Friedman of BradBlog.com

Independent investigative journalism, broadcasting, trouble-making and muckraking with Brad Friedman of BradBlog.com

Abby and Robbie Martin interview former AT&T technician and whistleblower Mark Klein about his experience exposing AT&T's cataloging and duplication of private user data for the NSA, and why every American should be concerned about private sector surveillance. Mark goes into his personal history of being an anti-war activist during the Vietnam War and how it led to his distrust of the two party system. He also discusses NSA whistleblower Edward Snowden's leaks and the journalists distributing them.

Part 3 of the continuing resolution followed by a history of Trailblazer and ThinThread, the NSA's spying programs. *Forward to 28:20 to hear the Trailblazer vs. Thinthread (NSA spying) story* H.R. 933: Consolidated and Further Continuing Appropriations Act of 2013 B= Billion M= Million DIVISION E: VETERANS Title I—Department of Defense Construction (TOTAL: $10.6 B) $1.7 B: Army construction available until 2017 for "acquisition, construction, installation, and equipment of temporary or permanent public works, military installations, facilities, and real property… and host nation support" $1.5 B: Navy & Marine construction available until 2017 $323 M: Air Force construction available until 2017 $3.5 B: Defense-wide construction available until 2017 Includes $27 M for a new NATO headquarters $614 M: Army National Guard construction available until 2017 $42 M: Air National Guard construction available until 2017 $306 M: Army Reserve construction available until 2017 $50 M: Navy Reserve construction available until 2017 $11 M: Air Force Reserve construction available until 2017 $254 M: NATO construction of military facilities and installations available indefinitely $535 M: Army family housing, available until 2017 See Section 8058 (DoD Division) $480 M: Navy & Marines housing, available until 2017 $582 M: Air Force housing, available until 2017 $54 M: Defense-wide housing, available until 2017 $151 M: For chemical destruction, available until 2017 $536 M: Base closures, available indefinitely Section 101 No cost-plus contracts over $25,000 except in Alaska Section 105 No money can be used to buy land for more than it's worth except When it's negotiated by the Attorney General The value is less than $25,000 Defense Secretary says it's cool Section 109 No money can be used to pay property taxes in foreign nations Section 111 No money can be used for contracts over $500,000 for projects in Japan, a NATO member country, or a country bordering the Arabian Sea unless the contract goes to a US company or a partnership including US companies Section 126 No money can be used to expand the Pinon Canyon Maneuver Site in Colorado Title II—Department of Veterans Affairs (TOTAL VETERANS BENEFITS: $127.5 B) $60.5 B: Veteran's benefits $12 B: Readjustment benefits $55 B: Veteran's medical care $2 B: Overseas Veterans Benefits Administration employee mail $3 B + reimbursements: IT upgrades Title III—Related agencies Title IV—Overseas contingency operations Title V—General provisions Section 503 No money can be used by the executive branch for any media productions designed to support or defeat Congressional legislation, except for media for a presentation to Congress itself. Section 509 No porn allowed. Section 511 No transfers out of Guantanamo Bay. Section 512 No first class travel for the executive branch. Section 513 Can't use illegal immigrants for construction work. Section 514 Can't contract with a corporation that's been convicted of a felony unless "agency" says it's cool Section 515 Can't contract with a corporation with unpaid taxes unless agency say's it's cool DIVISION F—ENERGY, FINANCIAL SERVICES, ENVIRONMENT, QUALITY OF LIFE, CONGRESS, FOREIGN AFFAIRS, HOUSING & TRANSPORTATION Title I—General Provisions Keeping the 2012 appropriations for the following departments (public law 112-74) Department of the Interior Department of Energy Department of Treasury District of Columbia Environmental Protection Agency Department of Labor Department of Health and Human Services Department of Education Legislative Branch Department of State Department of Transportation Department of Housing and Urban Development Section 1104 None of these departments can start or resume a project that wasn't authorized during 2012 Section 1109 Extra money for: $40 M: Disabled coal miners $106 B: Medicaid grants to states $1 B: Child support enforcement $2 B: Foster care $19 B: Social Security Title II—Energy and Water Development Section 1203 1.8 B: Renewable energy and energy efficiency Section 1205 $7.5 B: Nuclear weapons activities Section 1206 Extra $110 M for "domestic uranium enrichment, research, development, and demonstration." Title III—Financial Services and General Government Title IV—Interior, Environment, and Related Agencies Section 1401 Decrease Bureau of Land Management from $962 M to $951 M $0 for BLM construction $2.2 B: National Park Service $726 M: Wildland fire management Section 1405: Environmental Protection Agency (Total: $8 B) $785 M: Science and Technology $2.6 B: Environment Programs and Management $1.1 B: Hazardous Substance Superfund (lowered by $40 M) $3.5 B: State and Tribal Assistance Grants Section 1408 $1.5 B: Forest Service $2 B: Forest Service Wildland fire management Section 1412 Defunds the Presidio Trust fund, which helped turn a military installation into a part in San Francisco Section 1416 (Amendment 29 by James Inhofe… agreed to by unanimous consent) Prohibits EPA from enforcing an oil spill rule on farms for the next 6 months Farm means "a facility on a tract of land devoted to the production of crops or raising of animals, including fish, which produced and sold, or normally would have produced and sold, $1,000 or more of agricultural products during a year." Compliance deadline is May 10, 2013 "Facilities' includes oil transportation pipelines. The rule forces facilities (NOT OIL COMPANIES) to: The oil spill prevention plan which EPA is prohibited from enforcing would have had to include: Quantity and type of oil that could be spilled Map of areas that would be affected by a spill Written commitment of manpower, equipment, and materials required to control and remove spilled oil Emergency response plan Get the plan certified by an engineer Put up containment and diversionary structures Report spills over 1,000 barrels Report multiple spills over 42 barrels that happened in the same 12 month period, including the cause of the failure Title V—Labor, Health and Human Services, and Education, and Related Agencies Section 1502 $3.1 B: Unemployment insurance Section 1510 $2.3 B: Child Care block grant Section 1511 $33.5 M: Head Start Title VI—Legislative Branch Section 1601 $193,400 to Irene Hirano, widow of Senator Daniel K. Inouye Section 1605 $61 M: Fix the Capitol Dome Title VII—Department of State, Foreign Oper-ations, and Related Programs Section 1701 $2 B: International peacekeeping activities Section 1703 $3.1 B: International security assistance Section 1707 $1.2 B: Embassy security upgrades Title VIII—Transportation and Housing and Urban Development, and Related Agencies Section 1805 $2 B: Homeless grants DIVISION G—OTHER MATTERS Section 3001: Additional cuts Division A: 2.513% sequester cut Division B: 1.877% sequester cut Section 3002 Sequester lives Monsanto Protection Act Section 735 of Division A (Department of Agriculture) Section 411 of the Plant Protection Act prohibits regulated plant "pests", like weeds, that are somehow considered harmful if allowed to be freely grown in the United States. Anyone is allowed to petition to have a plant removed from the regulated list. If the Secretary of Agriculture chooses to regulate a plant that was previously unregulated, this bill says the Secretary "shall" "immediately grant temporary permits" which will authorize the movement, introduction, continued cultivation, or commercialization, while the petition is evaluated. Section 735 was slipped into the bill by Senator Roy Blunt of Missouri who has been given lots of money by Monsanto and other agribusiness giants. Exxon-Mobil Pipeline Spill in Mayflower Arkansas A pipeline capable of carrying 90,000 barrels of tar-sands oil per day burst near Mayflower, Arkansas, forcing the evacuation of 22 homes. FYI: The proposed Keystone XL pipeline would carry 800,000 barrels of tar-sands oil from Canada to the Texas coast. Trailblazer vs. ThinThread Read this article by Tom Sherrock of The Nation... or listen to the podcast :) Video of former AT&T engineer turned whistleblower Mark Klein on Countdown with Keith Olbermann Video of former Deputy Attorney General James Comey testifying to the Senate in 2007 regarding the Bush Administration's attempt reauthorize their illegal spying program.

Hosted by Kimberley Jaeger & Gary Moore...featuring an interview with Dr Mark Klein, author of "The Currency of Life: Uncovering the Clues to why We're Here". The Currency of Life is Dr. Mark Klein's second book. His first, What Do I Do Now? A Handbook for Life, was published in 2006 and was recommended reading by many media outlets including Readers Digest. Dr. Klein has practiced medicine in Washington, DC, for twenty-five years. He is a nationally recognized expert in the field of diagnostic radiology, and continues to write and lecture on various topics in medicine. Steve Rother sept 25 channel "~ The Beautiful Puzzle ~" http://lightworker.com/VirtualLight/

  California  Congressman Duncan Hunter writes a legislative pardon  for two convicted American border Guards.  Why?    Then, another presidential candidate, Dr. Mark Klein  talks issues.   Mickelson's brush with the law,  then listeners ID a political sound-bite....wanna try?