Podcasts about Moroz

On this week's episode of A Kickass Love Story, we are sitting down with a 10 YEAR UFC VET with Maryna "The Iron Lady" Moroz! We are so excited to talk all things UFC, Onlyfans, and everything in between! We dive into some of Maryna's latest bouts and her fight record, we get into how she got started on Onlyfans and why she loves to do it, we even get an EXCLUSIVE sneak peek into an AMAZING collab between Paige and Maryna and so much more packed into this week's episode of A Kickass Love Story!Make sure to subscribe to Maryna's fanpage at the link below!https://onlyfans.com/maryna_moroz_ufc

Do tego odcinka zaprosiłam Anię - Zielarkę z kampera i rozmawiałyśmy o tym:➡ jak Ania zaczęła interesować się ziołami➡ dlaczego obcowanie z naturą jest obecnie ważne dla naszego dobrostanu➡ skąd bierze się strach przed ziołami➡ jak łatwo zacząć swoją przygodę z ziołami➡ czy olejki mają ciemną stronę, o której niewiele się mówiO MNIE: Mam na imię Kasia i jestem autorką podcastu Kasia o hormonach. Jeśli chcesz dowiedzieć się więcej na mój temat, zajrzyj tutaj ➡ https://wiecejnizhormony.pl/o-mnie/INSTAGRAM ➡ https://www.instagram.com/wiecejnizhormony/YOUTUBE ➡ https://www.youtube.com/@wiecejnizhormonyZapisz się na Hormonalny Newsletter, gdzie otrzymasz w prezencie bezpłatnego e-booka na temat badań jakie warto wykonać, by uregulować hormony ➡ https://wiecejnizhormony.pl/badania/LINKI, O KTÓRYCH WSPOMINAMY W TYM ODCINKU:

In this episode, we dive into the world of bodywork with expert Marissa Moroz. We explore what bodywork is, its role in correcting compensations in the body, and why it's essential for athletes. Marissa shares insights on how bodywork improves performance, enhances mobility, and even refines physique for bodybuilding. We also discuss different bodywork techniques, the ideal frequency for sessions, and how it fits into an athlete's overall training regimen. If you're curious about how bodywork can elevate your athletic performance, this episode is for you! I am also offering an extension on my summer sale with coaching. If you are interested in working with me, I am looking for new athletes, general lifestyle clients, and contest prep competitors. Schedule a call with me using the link below! #stayrelentless Marissa Moroz IG: https://www.instagram.com/mmorozbodywork/Book with Marissa: https://calendly.com/marissamorozbodywork Coach Noa IG: ⁠@noamccabe_ifbbpro⁠ Work With Me: https://ateamathletes.org/booknoa⁠ Inquires/Questions: elenoa@ateamathletes.com Affiliates: Ryze HRT + Bloodwork "NOA" Purefactor Formulations "NOA10" Free Spirit Outlet "NOA" The Shoe Fairy "ELENOA" #BEcomingRelentless

Daniela Moroz is a 6-time Kite Surfing World Champion. The California athlete is chasing gold, as she helps the sport make its Olympic debut. On this episode of The Road to Paris, Daniela reflects on her Olympic journey, and shares her goals for Paris.

Jennifer Moroz, educator, podcaster, and professional development consultant, joins for a Connected Conversation. We discuss assessment, learning pathways, and how to take a "Greatest Hits" approach to empowering school culture. Visit Jennifer's website: https://www.jenmo.org/ Follow Jennifer on X: https://x.com/jenniferlmoroz Follow Jennifer on Instagram: https://www.instagram.com/jennifer_moroz_/ Follow Jennifer on YouTube: https://www.youtube.com/@assessmentsyndicate

In this episode, my guests are from the Underground Railroad Society of Cass County (URSCC). William & Brenda Beadenkopf volunteer with the URSCC, and are also Quakers having been raised in the church. Mike Moroz it the President of the URSCC. We discuss the history of the Quakers as the radicals of society in their time, being advocates of Temperance, Woman's Suffrage and Abolition. For more information on the URSCC, visit: https://www.urscc.org For more information on Michael Delaware, visit: https://michaeldelaware.com --- Send in a voice message: https://podcasters.spotify.com/pod/show/talesofsouthwestmipast/message

All Saints: Saints Persevere - Tim Moroz by

UFC 299 delivered action that lived up to the stacked card. Sean O'Malley battered Marlon "Chito" Vera for five rounds of redemption to retain his bantamweight title. Dustin Poirier weathered the storm against the young French kill Benoit Saint-Denis to rally for a legendary knockout victory. UFC newcomer Michael "Venom" Page proved to be too quick for Kevin Holland. Petr Yan broke his 3-fight losing streak against Song Yadong and much more. This week I'm sipping Jameson Black Barrel to get the engine primed for St. Patrick's Day and I'm also broadcasting on the road, vacationing with my family. Don't forget to subscribe and turn on notifications to catch the show live - cheers! ➡️ Subscribe & Turn On Notifications! ⬅️ Don't miss out on the next episode on the rocks - cheers! MMA on the Rocks T-Shirts⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ - Use promo code: MMAROCKS10 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠MMA on the Rocks Tank Tops⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠MMA on the Rocks Hoodies⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Support the Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Check out ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Cynch propane delivery service #UFC299 #UFC300 #UFC #MMA #mixedmartialarts Sean O'Malley vs. Marlon Vera — O'Malley def. Vera by unanimous decision (50-45 x2, 50-44) Dustin Poirier vs. Benoit Saint-Denis — Poirier def. Saint-Denis by KO (punches) at 2:32 of Round Two Kevin Holland vs. Michael Page — Page def. Holland by unanimous decision (29-28 x3) Gilbert Burns vs. Jack Della Maddalena — Della Maddalena def. Burns by TKO (knee and elbows) at 3:43 of Round Three Petr Yan vs. Song Yadong — Yan def. Song by unanimous decision (29-28 x3) Curtis Blaydes vs. Jailton Almeida — Blaydes def. Almeida by KO (punches) at 0:36 of Round Two Katlyn Cerminara vs. Maycee Barber — Barber def. Cerminara by unanimous decision (30-27 x2, 29-28) Mateusz Gamrot vs. Rafael dos Anjos — Gamrot def. dos Anjos by unanimous decision (29-28 x2, 30-27) Pedro Munhoz vs. Kyler Phillips — Phillips def. Munhoz by unanimous decision (30-27 x3) Ion Cutelaba vs. Philipe Lins — Lins def. Cutelaba by unanimous decision (29-28 x3) Michel Pereira vs. Michal Oleksiejczuk — Pereira def. Oleksiejczuk by technical submission (rear naked choke) at 1:01 of Round One Robelis Despaigne vs. Josh Parisian — Despaigne def. Parisian by TKO (punches) at 0:18 of Round One C.J. Vergara vs. Asu Almabaev — Almabayev def. Vergara by unanimous decision (30-27 x3) Joanne Wood vs. Maryna Moroz — Wood def. Moroz by split decision (28-29, 29-28 x2) --- Support this podcast: https://podcasters.spotify.com/pod/show/mmaontherocks/support

MMALOTN is back to give you breakdowns and predictions for UFC 299: O'Malley vs Vera 2. THIS PATREON IS FOR THE FIGHT LINK DATABASE, NOT MY PICKS/BETS/WRITE UPS.

The Practice of Confession - Andrew Mook & Brittannie Moroz by

Join this channel to get access to perks - custom emojis, member lives, and access to the auction listings:https://www.youtube.com/channel/UCJoP2q6P8mWkBUMn45pgyAA/join Jessica Hare - Hare Hollow Farm - Altus, OKHarehollowfarm.comMorph Market - https://www.morphmarket.com/stores/hare_hollow_farm/Facebook - https://www.facebook.com/Hare-Hollow-Farm-113861266980541Instagram - https://www.instagram.com/hare_hollow_farm/Youtube - https://www.youtube.com/@unmeinohiShow Sponsors:RAL - Vetdna.comUse code #sh!thappens to get $5 off a crypto panel. Shane Kelley - Small Town Xotics - Knoxville, TNMorph Market - https://www.morphmarket.com/stores/smalltownxotics/Facebook - https://www.facebook.com/SmallTownXotics/Instagram - https://www.instagram.com/smalltownxotics/Youtube - https://www.youtube.com/c/SmallTownXoticsRumble - https://rumble.com/search/video?q=smalltownxotics Roger and Lori Gray - Gray Family Snakes - Huntsville, AlabamaMorph Market - https://www.morphmarket.com/us/c/all?store=gray_family_snakesFacebook - https://www.facebook.com/GrayFamilySnakesInstagram - https://www.instagram.com/gray_family_snakes/ Andrew Boring - Powerhouse Pythons - Tacoma, WaHusbandry Pro - https://husbandry.pro/stores/powerhouse-pythonsFacebook - https://www.facebook.com/powerhouse.pythonsInstagram - https://www.instagram.com/powerhouse.pythons/ Eileen Jarp - Bravo Zulu - Daleville, INMorph Market -https://www.morphmarket.com/stores/bravozulu/Facebook - https://www.facebook.com/bravozuluBPInstagram -https://www.instagram.com/bravozuluballpythons/Youtube - https://www.youtube.com/@bravozuluballpythons Christopher Shelly - B&S Reptilia - Sellersville, PAMorph Market - https://www.morphmarket.com/stores/bandsreptilia/Facebook - https://www.facebook.com/B-and-S-Reptilia-1415759941972085Instagram - https://www.instagram.com/bandsreptilia/ Justin Brill - Stoneage Ball pythons - Gresham, ORMorph Market -https://www.morphmarket.com/stores/stoneageballpythons/?cat=bpsFacebook - https://www.facebook.com/StoneAgeBallsInstagram - https://www.instagram.com/stoneageballpythons/Youtube - https://www.youtube.com/c/stoneageballpythons 

On Friday's edition of WagerTalk Today, Andy Lang and Arthur DiCesare join Prez and Teddy for a look at this weekend's sports betting slate. Ralph Michaels shares some trends and angles to help you prepare for the upcoming NFL season.Standby 00:00Introduction 00:20Ralph Michaels 01:00Bills vs Steelers NFLX Week 2 01:27WagerTalk MythBusters NFL Guide 06:05SU & ATS Teaser Chart 09:40What Did Bettors Learn? 14:01Andy Lang 19:08MLB Prop - Marlins vs Dodgers 19:50CFL Prop - Blue Bombers vs Stampeders 21:30UFC 292 Prop - Silva vs Moroz 23:52Teddy's Big Game Breakdown - Broncos vs 49ers NFLX Week 2 25:58Betting Strategies - Buying On/Off the 3 in NFL 28:55Arthur DiCesare Offers His Perspective 38:55

MMALOTN is back to give you breakdowns and predictions for UFC 292: Sterling vs O'Malley. THIS PATREON IS FOR THE FIGHT LINK DATABASE, NOT MY PICKS/BETS/WRITE UPS.

Sacred Presence - Brittannie Moroz by

Listen to Todd and Lara Moroz as they share with us their ministry at Broken Arrow Ranch.

The refugee experience is rife with unthinkable hardship, and also glimmers of hope. Lana Moroz has this Perspective.

Jennifer Marren-Moroz is an educator from British Columbia. She is the creator of #freeframeworkfriday youtube channel. She creates and provides modifiable assessment documents. @assessmentjenmo #jennifermarrenmoroz #bc #assessment #documents #youtube #tsc #gogetit Social Media Links Youtube Channel youtube.com/c/ChipBakerTheSuccessChronicles LinkedIn http://linkedin.com/in/chipbakerthesuccesschronicles Facebook- Profile https://www.facebook.com/tscchipbaker Facebook- Page facebook.com/chipbakertsc Instagram https://www.instagram.com/chipbakertsc/ Twitter twitter.com/chipbaker19 TikTok tiktok.com/@chipbakertsc Linktree https://linktr.ee/ChipBakerTSC Online Store http://chip-baker-the-success-chronicles.square.site/ Chip Baker- The Success Chronicles Podcast https://anchor.fm/chip-baker

Dr. Moroz attended the NYU School of Medicine and remained at NYU-Rusk Rehabilitation for residency training, and subsequently, his first and only job. He rose through the faculty ranks and currently is Director of Residency Training and Vice Chair for Education. Dr. Moroz sought out additional training and became a New York State certified acupuncturist, and is directing the Integrative Sports Medicine program, which includes an 18-month track for PM&R residents leading them to becoming certified physician acupuncturists. Dr. Brian Sunwoo is a current administrative chief resident in the Physical Medicine and Rehabilitation residency program at NYU Langone Health. He attended Rowan School of Osteopathic Medicine, where he received the Dean's Recognition Award and will begin a fellowship in Interventional Spine after completing residency. As an NYU resident, he has served on the Rusk Health Equity, GME Diversity and Inclusion, and House Staff Leadership Committees. Dr. Sunwoo currently is completing his clinical acupuncture certification through the NYU PM&R residency program with plans to incorporate its use in his future practice.   The following items were discussed in Part 2: effectiveness of acupuncture treatment either pre- or post-operative in dealing with nausea and vomiting in the post-surgical period; use of acupuncture in treating mental health conditions; extent to which sham acupuncture is being used in research; whether expectancy data are collected beforehand to measure how strongly patients anticipate a positive acupuncture treatment outcome; health problems where research indicates a high-certainty level of evidence for acupuncture; use of artificial intelligence in acupuncture research and treatment; and current or planned research endeavors at NYU that involve acupuncture.  

Dr. Moroz attended the NYU School of Medicine and remained at NYU-Rusk Rehabilitation for residency training, and subsequently, his first and only job. He rose through the faculty ranks and currently is Director of Residency Training and Vice Chair for Education. Dr. Moroz sought out additional training and became a New York State certified acupuncturist, and is directing the Integrative Sports Medicine program, which includes an 18-month track for PM&R residents leading them to becoming certified physician acupuncturists. Dr. Brian Sunwoo is a current administrative chief resident in the Physical Medicine and Rehabilitation residency program at NYU Langone Health. He attended Rowan School of Osteopathic Medicine, where he received the Dean's Recognition Award and will begin a fellowship in Interventional Spine after completing residency. As an NYU resident, he has served on the Rusk Health Equity, GME Diversity and Inclusion, and House Staff Leadership Committees. Dr. Sunwoo currently is completing his clinical acupuncture certification through the NYU PM&R residency program with plans to incorporate its use in his future practice.   The following items were discussed in Part 1: number of participants in the residency program at NYU using acupuncture with patients; professional qualifications deemed necessary to use acupuncture in treating patients; insurance company coverage of acupuncture treatment; role of patients' age in achieving desired clinical outcomes involving acupuncture; different kinds of instruments used by acupuncture practitioners; acupuncture as a lone intervention and also as an adjunct to western medicine; contributions that acupuncture can make in dealing with problems, such as stroke; and possible differences among clinicians in different health professions regarding the effectiveness of acupuncture treatments?

In this week's episode Anna Rose (https://twitter.com/annarrose) and Tarun Chitra (https://twitter.com/tarunchitra) explore the topic of auctions with guests Kshitij Kulkarni (https://twitter.com/ks_kulk), PHD student at Berkeley's EECS department (https://eecs.berkeley.edu/) and Matheus V. X. Ferreira (https://twitter.com/MatheusVXF), Postdoctoral Fellow in Computer Science at Harvard John A. Paulson School of Engineering and Applied Sciences (https://www.seas.harvard.edu/). They discuss the history of auctions, both in the real world and in blockchain, and go on to cover more recent blockchain uses, such as MEV and NFT auctions. They review the incentives of both auction holders and the participants as well as how this incentive design can influence the effectiveness of the auctions themselves. Here are some additional links for this episode: Credibility and Incentives in Gradual Dutch Auctions by Kulkarni, Ferreira and Chitra (https://people.eecs.berkeley.edu/~ksk/files/GDA.pdf) Credible, Optimal Auctions via Blockchains by Kulkarni, Ferreira and Chitra (https://arxiv.org/abs/2301.12532) Optimal Strategic Mining Against Cryptographic Self-Selection in Proof-of-Stake by Kulkarni, Ferreira and Chitra (https://arxiv.org/abs/2207.07996) Credible Auctions: A Trilemma by Akbarpour and Li (https://web.stanford.edu/~mohamwad/Credible.pdf) Credible, Truthful, and Two-Round (Optimal) Auctions via Cryptographic Commitments by Ferreira and Weinberg (https://arxiv.org/abs/2004.01598) Credible, Strategyproof, Optimal, and Bounded Expected-Round Single-Item Auctions for all Distributions by Essaidi, Ferreira and Weinberg (https://arxiv.org/abs/2205.14758) Dynamic Posted-Price Mechanisms for the Blockchain Transaction Fee Market by Ferreira, Moroz, Parkes and Stern (https://arxiv.org/abs/2103.14144) Proof-of-Stake Mining Games with Perfect Randomness by Ferreira and Weinberg (https://arxiv.org/abs/2107.04069) Optimal Strategic Mining Against Cryptographic Self-Selection in Proof-of-Stake by Ferreira, Hahn, Weinberg, Yu (https://arxiv.org/abs/2207.07996) Credible Decentralized Exchange Design via Verifiable Sequencing Rules by Ferreira and Parkes (https://arxiv.org/abs/2209.15569) https://jumpcrypto.com/thepit/zkweek/ (https://jumpcrypto.com/thepit/zkweek/) Find out more about zkSummit9 here: zksummit.com (https://www.zksummit.com/). Apply for ZK Hack Lisbon here: ZK Hack application (https://xng1lsio92y.typeform.com/zkhacklisbon?typeform-source=zkhack.dev) Aleo (https://www.aleo.org/) is a new Layer-1 blockchain that achieves the programmability of Ethereum, the privacy of Zcash, and the scalability of a rollup. Interested in building private applications? Check out Aleo's programming language called Leo by visiting http://developer.aleo.org (https://developer.aleo.org/getting_started/). You can also participate in Aleo's incentivized testnet3 by downloading and running a snarkOS node. No sign-up is necessary to participate. For questions, join their Discord at aleo.org/discord (https://discord.com/invite/aleohq). If you like what we do: * Find all our links here! @ZeroKnowledge | Linktree (https://linktr.ee/zeroknowledge) * Subscribe to our podcast newsletter (https://zeroknowledge.substack.com) * Follow us on Twitter @zeroknowledgefm (https://twitter.com/zeroknowledgefm) * Join us on Telegram (https://zeroknowledge.fm/telegram) * Catch us on YouTube (https://zeroknowledge.fm/)

Daniela Moroz might have more time on foil than any other podcast guest. She is the 6x Formula Kite World Champion, 4x US Rolex Yachtswoman of the Year, a member of USA SailGP Team and an avid surf, tow and wing foiler. Daniela comes on the show to discuss her 2024 campaign for the Paris Olympics, her comfort with speed on foil, training regimen and much more...

A summary of Arc Six. In Jukai, Øka, Citlalli, Dewey, and Voska investigate the Stagnation and pursue the Godshard of Sen. In Moroz, Vee, Abiku, Jaran, and Gentle seek the Tapestry of the Stranger and confront the Chromium Order. "The Second Stranger" is sponsored by Dmitry (https://twitter.com/DmitryOpines) and ExplainTrade (https://www.explaintrade.com/), a negotiation skills training consultancy; because you can't ask to roll persuasion in real life. Special thanks to our Heroes and Paragons: Alex, Brooke Brite, @brownestnerd, Charles, chillacres, Cora Eckert, Finn, Hat, Isabel, Kanding, Lex Slater, Lyle and Peanut, Moonflower Tea, Nicholas, Purplemouse, Riley, Rose, Scruffasus, Spencer Critchfield, Summer Rose Folta, Sunny, and Targott. CREDITS: Music - Connie Chang (https://twitter.com/ByConnieChang), Fesliyan Studios (https://www.fesliyanstudios.com/), and Soundstripe (https://www.soundstripe.com/). Album art - Sea Thomas (https://twitter.com/pisharpart). Join our Discord server at https://discord.gg/rTbPwxRsBe!

Welcome back to another podcast episode! I'm excited about today's interview! Join me as I interview Andrew Frost Moroz, Founder of Bluelight. You don't want to miss this interview. Andrew Frost Moroz, CEO, and Founder. He is also CEO of Aloha Browser / Viewpoint Labs, which has launched over 100 web and mobile international projects for US, European, and EMEA segments.  Bluelight, Inc is a very advanced free-to-play economic stimulator of a VR universe that allows players to grow their own startup with the ultimate goal of building a unicorn project. The game is largely based on the cartoon series Take My Muffin and allows forming own teams of employees, interacting with other players, owning and developing land plots, and collecting and trading in-game NFT items.Check out the video of this interview here: https://youtu.be/_yQMU219sRgWithout further ado, let's get into it!Check out the Bluelight website: https://bluelight.inc/Check out Aloha Browser which Andrew also founded: https://alohabrowser.com/Let's jump right in as we provide helpful tips for anyone interested in crypto!Dive in and find out all about Andrew Frost Moroz and BluelightFull Show Notes at: https://newtocrypto.io/podcast/viewpoint-labs-bluelight-game-with-founder-andrew-frost-moroz/SUBSCRIBE, RATE, & REVIEW:Apple Podcast: https://newtocrypto.io/itunesGoogle Podcasts: https://newtocrypto.io/google-podcastsSpotify: https://newtocrypto.io/spotifyFOLLOW ON SOCIAL MEDIA:Twitter: @CryptoTravels5Instagram: @cryptotravelsmichaelEmail: show[at]newtocrypto[dot]ioWe are very happy to announce our sponsor.This episode is brought to you by BluelightBluelight is an economic strategy game about building your own startups in a multiverse. The game implements play-to-earn mechanics to incentivize active players as they progress. The game has a fine balance between fun gameplay and earnings and doesn't require a start capital or paid items to enjoy the game. The player's goal in the game is to build the most powerful startup, represented as a unicorn.The New to Crypto Podcast is designed to guide you through the crypto landscape with pinpoint accuracy. New episodes are added daily. Be sure to subscribe to the podcast and listen to all of the episodes to help you in your cryptocurrency journey.I'd love to hear from you! Email me at show@newtocrypto.io and let's chat.LEAVE A REVIEW + help someone who wants to grow their understanding of cryptocurrency by sharing this episode.

Dwelt With Us - Tim Moroz by

The Moroz party zaps into Bolshaya to find the Tapestry of the Stranger War. Abiku peers into the past. Gentle tries mending bridges with Bud. Vee makes her intentions very, very clear. And Jaran learns the cost of trust. "The Second Stranger" is sponsored by Dmitry (https://twitter.com/DmitryOpines) and ExplainTrade (https://www.explaintrade.com/), a negotiation skills training consultancy; because you can't ask to roll persuasion in real life. Special thanks to our Heroes and Paragons: Alex, Brooke Brite, @brownestnerd, Charles, chillacres, Cora Eckert, Emma, Finn, Hat, Isabel, Kanding, Lex Slater, Lyle and Peanut, Moonflower Tea, Nicholas, Purplemouse, Riley, Rose, Scruffasus, Summer Rose Folta, Sunny, and Targott. Content warnings for this episode: complex and complicated relationships, romance, flirting, references to sexual entanglements, and references to explosions. CREDITS: Title - “Nguyễn” by Hieu Minh Nguyen Music - C.I.S. Music (https://soundcloud.com/cis_music), Fesliyan Studios (https://www.fesliyanstudios.com/), and Soundstripe (https://www.soundstripe.com/). Album art - Sea Thomas (https://twitter.com/pisharpart). Podcast editing - Connie Chang (https://twitter.com/ByConnieChang). Join our Discord server at https://discord.gg/rTbPwxRsBe!

In this very special Abiku and Voska backstory one-shot, Strike Team A plunge the frigid reaches of Moroz to excavate Nitbuza's Godshard... but the Stranger's forces prove more formidable than bargained for. “A Song of Snow” stars GM Connie Chang, Austin Knight as Abiku Ishtar, and Valiant Dorian as Voska. "The Second Stranger" is sponsored by Dmitry (https://twitter.com/DmitryOpines) and ExplainTrade (https://www.explaintrade.com/), a negotiation skills training consultancy; because you can't ask to roll persuasion in real life. Special thanks to our Heroes and Paragons: Alex, Brooke Brite, @brownestnerd, Charles, chillacres, Cora Eckert, Emma, Finn, Hat, Isabel, Kanding, Lex Slater, Moonflower Tea, Nicholas, Purplemouse, Riley, Rose, Scruffasus, Summer Rose Folta, Sunny, and Targott. Content warnings for this episode: complex and complicated relationships, romance, flirting, references to sexual entanglements, snowstorms, monsters and monstrosity, fantasy violence, blood, death of loved ones, grief, heights, and falling. CREDITS: Music - C.I.S. Music (https://soundcloud.com/cis_music), Fesliyan Studios (https://www.fesliyanstudios.com/), and Soundstripe (https://www.soundstripe.com/). Album art - Sea Thomas (https://twitter.com/pisharpart). Podcast editing - Sea Thomas (https://twitter.com/pisharpart). Join our Discord server at https://discord.gg/rTbPwxRsBe!

In this episode of "Love Talk Live," I interview Aresnii and Olga Moroz, a mother and son who escaped from Ukraine. They tell their incredible story of triumph. They had to endure a great deal of fear on a daily basis during the attacks, but their love for one another and their family kept them going. They have been blessed to be helped by good semaritians, friends and family along the way that have helped them get to where they are now, residing in Los Angeles. The father and grandmother are still in Ukraine and they hopefully will be able to join their family soon. Arsenii (@ars.mzz) is an award-winning dancer and Olga (@olga11333) is an award-winning fashion designer.

⬇️⬇️TIME STAMPS BELOW⬇️⬇️⬇️ MMALOTN is back to give you Predictions, Picks, and Bettings Tips on UFC Vegas 65: Lewis vs Spivac. Check out my Patreon where I have plenty of perks such as: Early access to each breakdown Best Bets/Props article Hail Mary Patreon Parlay Discord Channel All Official bets (even when charging the public) PPV Parlay for the Patrons (winnings from this parlay given to a random Patron) $5/month on Patreon @ https://www.patreon.com/mmalotn Dead Lock Podcast (w/ Clint of Die Hard MMA Pod) YouTube: https://www.youtube.com/channel/UC3AhObCDMITGjPxhx3R6Oow Twitter: https://twitter.com/DeadLockPodcast Instagram: https://www.instagram.com/deadlockpodcast/ My 3rd party tracked record can be found at: https://betmma.tips/lockofthenight Never take someone's word for how often they hit their bets unless they are 3rd party tracked. It's easy to fool people by just claiming all you do is win. Transparency is key! For those unfamiliar with my Paid picks vs. Free Picks policy, after winning 3 straight events, I switch to paid picks until I hit my next losing event. When they are free picks, I post them on my Patreon as soon as I make the bet. Then I release it to the public the day before the fight on my Twitter account. If you research fights on your own, the Tape Index is a MUST! We take the time out of browsing for fights so you have more time to study. Everything you need to prep for an upcoming card (and every matchup currently announced) is on one page and just a click away. Check it out! Tape Index: https://www.mmaplay365.com/product/tape-index Twitter: https://twitter.com/mmalotn Instagram: https://instagram.com/mmalotn *****PICKS NOT BETS*****DISCLAIMER: though I'm picking these fighters to win each matchup, I may have a bet against them due to value and fights being closer than odds may suggest. Listen to each matchup breakdown to get how I truly feel about it. TIME STAMPS (0:00) Intro (1:50) UFC 281 betting recap (7:10) Patreon Plug (8:36) Silva vs Bleda (13:05) Garcia vs Hiestand (16:11) Oliveira vs Demopoulos (19:28) Turcios vs Natividad (23:00) Johns vs Morales (25:13) Maia vs Moroz (27:25) Zhumagulov vs Johnson (30:25) Maddalena vs Roberts (32:28) Brundage vs Vieira (35:10) Salikhov vs Fialho (38:25) Sherman vs Cortes-Acosta (40:31) Cutelaba vs Nzechukwu (42:38) Lewis vs Spivac (46:30) Outro 2022 Prediction Record: 286-172 (62%) 2021 Prediction Record: 305-190 (62%)

Hospitable God - Tim Moroz by

JOIN PATRON FAMILY HERE: https://bit.ly/311x4gxSUBSCRIBE TO THE TRAP TALK PODCAST: https://bit.ly/39kZBkZSUBSCRIBE TO TRAP TALK CLIPS:https://www.youtube.com/channel/UCA40BzRi5eeTRPmwY6XSdVASUBSCRIBE TO THE SNAKE TRAP SESSION VLOGS:https://www.youtube.com/channel/UCKxLByAE_Kt06XayYFOxHqQLIMITED EDITION TRAP TALK POCKET TEES:thesnaketrapsessions@gmail.comNOBODY'S SAFE SESSIONS w/ SNAKES & THE FAT MANhttps://www.youtube.com/watch?v=t23eS5CIW7A&t=442sMORPH MARKET STORE: https://www.morphmarket.com/stores/exoticscartal/SUPPORT USARK: https://usark.org/memberships/Follow On IG: Trap Talk Podcast https://bit.ly/2WLXL7w MJExoticsCartal https://bit.ly/3hthAZuUnfiltered Reptiles Podcast https://bit.ly/3eSqAFMSubscribe to Unfiltered Reptiles Podcast: https://bit.ly/2WM11jsListen On Apple:Trap Talk With MJ https://bit.ly/2CVW9Bd Unfiltered Reptiles Podcast https://bit.ly/3jySnhV Listen On Spotify:Trap Talk With MJ https://bit.ly/2WMcKOO Unfiltered Reptiles Podcast https://bit.ly/2ZQ2JCbTRAP TALK w/ MJ BROUGHT TO YOU BY:MARC BAILEY REPTILES https://www.morphmarket.com/stores/marcbailey/TOFAUTI ROYALS OF AFRICA https://www.instagram.com/tofauti_royals/COLD BLOODED CAFEhttps://www.instagram.com/coldbloodedcafe/FREEDOM BREEDERhttps://www.freedombreeder.com/ALWAYS EVOLVING PYTHONS https://www.instagram.com/alwaysevolvingpythons/SIMS CONTAINER https://www.instagram.com/simcontainer/FOCUS CUBED HABITAT https://www.instagram.com/focuscubedhabitats/STEWART DESIGN https://www.instagram.com/sdidentity/REDLINE SHIPPING https://www.redlineshipping.com/CLTCHhttps://cltch.io/#ballpythons #newbreederontheblock #coolestreptilepodcastintheworld

Ryan French speaks with Matt Moroz, a professional golfer disqualified from Q-School after a series of strange and unlikely events. See omnystudio.com/listener for privacy information.

This week's host, Moe Roddy, is joined by Daniela Moroz to chat the life and training regimen of the world-renowned kiteboarder. Daniela is a 5x Formula Kite World Champion, 3x US Rolex Yachtswoman of the Year, and is campaigning to compete in the 2024 Olympics in Paris and Marseille. Hear how she fell in love with kiteboarding, the learning curve from a regular kite to foiling kite, her training approach for the Olympics and other elite competitions, how to conquer intimidation in new surroundings, and whether she ever gets worried about sharks. Donate to Daniela's Olympic campaign at DanielaMoroz.com and StFSF.org

  Code Zero Designer Notes Video https://youtu.be/TtVLCC2VjPE   Code Zero Product Video https://youtu.be/LYcCH2erU38   KITELINE Sticker   https://ko-fi.com/s/a94a4ec4b7   The Mega Pod is brought to you:   North Kiteboarding:   https://www.northkb.com/en/   Flysurfer Kiteboarding   https://flysurfer.com   Woo Sports   https://woosports.com    Membership:   https://ko-fi.com/megapod   The Mega App   Android   https://play.google.com/store/apps/details?id=com.c92aef3ed1fb.www   Apple   https://apps.apple.com/de/app/the-mega-app/id1591582938     Email us:   megapodathotmail@gmail.com   Follow us:   https://www.instagram.com/colin_colin_carroll/   https://www.instagram.com/kitesurf365/    

Summary: On this episode of the Capital Insight Podcast, Tom Moroz, founder and director of Stonehedge Holistic Learning Center, shares his journey with grassroots fundraising and the challenges and surprises he's encountered along the way. Get In Touch: Website: https://www.jennykassan.com/ https://crowdfundmainstreet.com/ https://www.opportunitymainstreet.com/ https://www.theselc.org/ https://www.thenextegg.org/ Socials: Twitter: https://twitter.com/jennykassan LinkedIn: https://www.linkedin.com/in/jennykassan/ Instagram: https://www.instagram.com/thekassangroup/ Additional Resource: Angels of Main Street is a community of investors with no minimum wealth or income requirement to join. If you'd like to be part of a community of diverse investors who want to make a difference with their dollars, please join us in Angels of Main Street! Episode Credit: Intro and outro are voiced by Marina Verlaine. She can be contacted at reel.peach.vo@gmail.com Check out past episodes here!

#royalcanadianreptiles #ballpythons #coolestreptilepodcastintheworld BROUGHT TO YOU BY:  https://www.instagram.com/morphendorphins/JOIN TRAP TALK PATREON FAMILY: https://bit.ly/311x4gxSUBSCRIBE TO TRAP TALK w/ MJ PODCAST: https://bit.ly/39kZBkZSUBSCRIBE TO TRAP TALK CLIPS:https://www.youtube.com/channel/UCA40BzRi5eeTRPmwY6XSdVASUBSCRIBE TO THE SNAKE TRAP SESSION VLOGS:https://www.youtube.com/channel/UCKxLByAE_Kt06XayYFOxHqQLIMITED EDITION TRAP TALK POCKET TEES:thesnaketrapsessions@gmail.comNOBODY'S SAFE SESSIONS w/ SNAKES & THE FAT MANhttps://www.youtube.com/watch?v=LzqOeHMaA2wMORPH MARKET STORE: https://www.morphmarket.com/stores/exoticscartal/SUPPORT USARK: https://usark.org/memberships/Follow On Instagram: Trap Talk Podcast https://bit.ly/2WLXL7w MJExoticsCartal https://bit.ly/3hthAZuUnfiltered Reptiles Podcast https://bit.ly/3eSqAFMSubscribe to Unfiltered Reptiles Podcast: https://bit.ly/2WM11jsListen On Apple:Trap Talk With MJ https://bit.ly/2CVW9Bd Unfiltered Reptiles Podcast https://bit.ly/3jySnhV Listen On Spotify:Trap Talk With MJ https://bit.ly/2WMcKOO Unfiltered Reptiles Podcast https://bit.ly/2ZQ2JCbTRAP TALK w/ MJ BROUGHT TO YOU BY:COLD BLOODED CAFEhttps://www.instagram.com/coldbloodedcafe/ALWAYS EVOLVING PYTHONS https://www.instagram.com/alwaysevolvingpythons/FREEDOM BREEDERhttps://www.freedombreeder.com/SIMS CONTAINER https://www.instagram.com/simcontainer/FOCUS CUBED HABITAT https://www.instagram.com/focuscubedhabitats/MARC BAILEY REPTILES https://www.morphmarket.com/stores/marcbailey/STEWART DESGIN https://www.instagram.com/sdidentity/WELCOME TO TRAP TALK WITH MJ PODCAST. THIS ISN'T YOUR TYPICAL REPTILE PODCAST. THERE WILL BE SMOKING, DRINKING, CUSSING & MAD DISCUSSION ON ANYTHING REPTILE RELATED. WE'LL ALSO HAVE DISCUSSION OF EVERYDAY LIFE. I APPRECIATE ALL THE LOVE AND SUPPORT & LOOKING FORWARD TO BRINGING SOME REAL ONES TO THE TABLE.

Published 17 July 2022Yea, we enjoyed this episode a lot. Daniela is a massive fan of the show. She is a heap of fun to talk to, we had Bicey back and we brought in Haylee Outteridge to join in the hosting duties.Daniela is a 5x Formula Kite World Champion (2016-2021), 4x Open European Champion (2017-2021), 3x US Sailing Rolex Yachtswoman of the Year (2016, 2019, 2021),2x Rolex World Sailor of the Year Finalist (2018, 2021), but more impotantly just a lot of fun. Completely unaffected by her success, she is probably the US Sailing Teams No1 hope for gold at the 2024 Olympics. If ever there was a sailor that got there by 'just going sailing' Daniela is the epitome!! Enjoy.#barkarate #sailingpodcast #barkaratesailorslarger #barkarateconversations #worldsailingofficial #sailing #boat #ocean #sport #voile #sail #sea #offshore #sailors #sailingworld #extremesailing #foils #yacht #yachts #saillife #instayacht #sailingblog #instasail #thelifeofdanielaa #kiteclasses #ussailing #ussailingteam

This week on the Beyond Survival Podcast, Andrew Moroz provides incredible insight into the beauty of the church even in the most difficult circumstances. Andrew calls the church to move beyond survival and to begin living with a Kingdom mindset. He seeks to inspire us to live with a greater sense of urgency even in times of “peace.” Click the link below to subscribe to our email list. https://waymakerchurch.ccbchurch.com/goto/forms/980/responses/new. 

Those People: Half-hearted / Whole hearted - Tim Moroz by

Pastor Oleksandr Moroz z Ukraińskiego Kościoła Baptystów w Warszawie w rozmowie z pastorem Pawłem Chojeckim opowiada nam, jak czuje się w Polsce, co uważa o polskich kościołach i jakie widzi perspektywy na przyszłą współpracę polsko-ukraińską. #chrześcijanie #współpracapolskoukraińska #SolidarnizUkrainą Masz pytania na temat Boga, Biblii, życia chrześcijańskiego, kościoła?

Jason Bott joined Robertson Ryan in 2004 as a Vice President and in 2016 he became a Shareholder. Being part of Robertson Ryan, the largest independent insurance agency in Wisconsin, and a Top 100 US Agency, gives Bott the resources to handle standard and non-standard policies. He specializes in real estate risk management and has developed a national reputation for insuring real estate owners and investors of varying sizes. The short-term rental space has become more accessible over the last several years, with industry leaders like Airbnb currently boasting 5.6 million active listings worldwide. Short-term rentals can be an attractive alternative to long-term rentals because of the increased cash flow on your investment. Before deciding to rent a portion of your home for a vacation rental, though, you need to consider how your homeowner's insurance views short-term rentals. In this episode, Jason will walk us through the short-term rental space and what we as landlords need to know about the types of insurance that are available. Episode Links: jbott@robertsonryan.com  https://www.robertsonryan.com/ --- Before we jump into the episode, here's a quick disclaimer about our content. The Remote Real Estate Investor podcast is for informational purposes only, and is not intended as investment advice. The views, opinions and strategies of both the hosts and the guests are their own and should not be considered as guidance from Roofstock. Make sure to always run your own numbers, make your own independent decisions and seek investment advice from licensed professionals.   Michael: What's going on everyone? Welcome to another episode of the Remote Real Estate Investor. I'm Michael Albaum, and today I'm joined by Jason Bott an insurance broker with Robertson and Ryan, and Jason's gonna be talking to us about the short term rental space and what we as landlords need to know about the types of insurance that are available. So let's get into it.   Hey, Jason, welcome to the show. Thank you so much for taking the time to hang out with me today. I appreciate you.   Jason: Thanks for having me.   Michael: No, my pleasure. So for those folks that don't know who you are, give us a quick bio on who you are, where you're come from, and what it is you're doing real estate.   Jason: Sure. My name is Jason Bond, I'm an insurance commercial insurance broker with Roberts, Ryan and Associates based on Waukee. I currently write about 25,000 units in 30 states with my team and we specialize in the real estate space, specifically in small to mid-size landlords. So anybody that's got a small single family portfolio, kind of building that all the way up to some of my largest clients have maybe up to 1000 units but that's kind of the space that operated   Michal: Right on and today, we're gonna be talking about a super-hot topic that's been popping up all over the real estate space, short term rentals. So I would love if you could just give us kind of a high level on what people need to be aware of what questions they should be asking. But maybe we could start with like, if someone's going to go get an insurance policy and they own like they own the property, its landlord, give us a breakdown of all the different types of policies they could get if it's your long term rental, and we can build up to the short term.   Jason: Sure, sure, yeah and this is such a fast moving space, at least in the insurance world terms at the insurance market hasn't fully developed to take on the short term rentals. So it's still in flux and even if somebody listened to this five years from now, it's probably going to even be more, it might even be fully developed at that time who knows. But the way they traditionally the way that the insurance world works is a property in a sort of building the insurance policies based on the occupancy so you could have your homeowner's policy, a long term rental, you could have it use for business and retail, industrial, or basically any building depending on who's inside that's how the insurance company knows what policy to put on there. Okay, so traditionally, homeowners policies for your primary, primary home, okay, so if you're living there, 24/7, that's a homeowner's policy, if a traditional rental policy is based on either month to month, or annual leases, but the idea is that you don't have a high turnover of people. So all the insurance policies written out there that a landlord traditionally set up for annual leases and that's where some of these, the short term rental thing kind of came into play. All of a sudden, it, it kind of, it didn't match up the traditional, you know, insurance policy, you know, they're all legal documents that are all filed with the state and the insurance companies have to keep updating those and that's what we're going through right now, if it makes sense.   Michael: Okay, it does make sense, but just a clarifying question. So you said either month to month or annual leases and so when we say the term short term rental, does that mean 30 days or less?   Jason: Yeah, it means 30 days or less. I mean, I mean, there was a little there's a little give and take and a gray area there, it's the problem is, is along with the traditional landlord policy, if that property was vacant for more than 60 days, then you would default to what they call basic coverage, which means that we exclude theft, exclude vandalism, and exclude a lot of those items that still might on a short term rental, I mean, that style still might be present. So the short term rental policy picks some of those things up and that's really so that's why if you have a traditional landlord policy, and you're using it for short term rentals, even a month to month there, it's still really not the right fit and still create some gaps.   Michael: Interesting okay. Well, I definitely want to circle back to that and what type of policy they should be getting. But curious, because, I mean, I always joke that I get to ask self-serving questions on these podcasts, somewhat like the house hacking, I own the property, I live in the property full time, but I rent out the upstairs unit and so should I be on a homeowner's policy or should I be on a landlord policy? What's right for you?   Jason: So, so you should be because it's your primary residence, it should be a homeowner's policy. Okay, all right. Now, knowing that you've you've taken some time and you've traveled in been away from the property for quite a long time. There is also the next step where you can buy another basically, short term rental policy where you can still go visit the politicians The property and live there, but it's not your primary residence. So that's still like another step in the evolution. So if I if I had to talk through, like all the evolutions if you have a single family property, and you live there by yourself, that's a homeowner's policy. If you have a single family home, you live there and you got a roommate, you can add an endorsement to the policy, right? If you have a duplex, you live there by us, you know that your primary residence, and you have a renter upstairs, that's a homeowner's policy with a landlord endorsement on it. The next step is, let's see, you then sell that property or you move out of that property, you buy yourself another single family home, the house hack, that first duplex now turns into more of a either a short term rental property, if that's the way you're going to use it, or landlord property or policy, if you're going to go ahead and lease it out annually. So see, each time you take that step, yeah, in the occupancy changes, it does trigger a change as you should make on your insurance policy.   Michael: Okay and that's such a good, I mean, good thing to know, cuz I think so many of us think, oh, well, our mortgage doesn't change if I move out of the property now rent it. But the insurance absolutely does, right. So this is a phone call, we should be making ahead of time with our agent and having that conversation?   Jason: Exactly, I think a lot of people think that just because it's still in their personal name, they still have their personal mortgage on there, that they're all good. But again, the key thing you want to think of is, are you changing the usage or the occupancy of the house. And if so, you probably need to make some sort of adjustment on your insurance policy. I mean, all the products are out there. You just have to keep your, you know, as you're scaling up in this real estate, investor space, and you keep going working up your ladder, and keep leveraging, on every step, you do need to make an adjustment. It's your policy.   Michael: Okay. Great to know and then kind of another hybrid of the hybrid question. So my situation I live permanently, it's my prime residence downstairs, I rent upstairs monthly, month minimums. But now let's say I want to start renting out the bottom portion when I go out on vacation for doing nightly short term rental, what type of policy or endorsement do I need then?   Jason: So you get a short term rental policy, at that point…   Michael: A totally separate standalone policy, or is that an endorsement that I'm putting on top?   Jason: You could it all depends on the this is the space that's not fully developed, so you could try to go back to your homeowners policy and say, hey, do you offer that I'd say three fourths of them do not offer that type of policy, but then the fourth of the veal, like calm state farms, all states or whomever, a fourth of them may still offer that option to be able to short term your own units along with a duplex. So it gets you kind of get into that in that gray space in the bottom line is where's your primary residence…   Michael: Got it, okay. ´   Jason: …that's what kind of dictates what your true that one.   Michael: Okay, okay and if I do if the carrier that I'm currently with does not offer that type of policy change or endorsement, and I do need to go get a true short term rental policy? Is that policy going to cover me for when I'm living in the property as well?   Jason: Some of them can you get to and, again, I hate to keep seeing endorsement, but you get to add the endorsement back on there that you will use it personally.   Michael: So now I've gone back kind of the opposite direction.   Jason: Yeah, yeah.   Michael: It's okay. All right.   Jason: Yeah and I mean, an overview as well as when you're in a homeowner's policy. That's, that's a personal policy, you know, personal homeowner's policy and then as soon as you move over to the 100%, where you are short term in both units, that becomes a commercial policy. So basically business usage and that's why, okay, now you have a business policy, but now I want to go back in and use it personally, it gets a little bit, you got to, again, add the endorsement to be able to be protected for that. Another thing that you want to think about, which kind of overlaps is if you just get yourself a renters policy for yourself, that will cover you, when you go back to that property, if you have to have it set up an LLC, on a business policy that will cover you for personal use there.   Michael: Okay, so if I if okay, so the scenario is I've moved out of my primary, now I'm renting it full time and both units and I've got on a commercial policy and because I've moved out now, I want to put this property in the name of the LLC for business purposes and so I have the short term rental policy on that and for myself, I go get a renters policy and sometimes I come and stay in my short term rental and the bottom unit that renters policy is going to be effective for picking up some of the coverages there?   Jason: Correct, correct because on a business policy, it the liability only covers that premises or that building. But from a personal standpoint, you know, you're going all over the place, and you need to have some that those liabilities, you know, picked up on your on prem. So when you go rent somewhere else, they're gonna say, hey, I need some proof of coverage to stay in my unit, that renter's policy now gives you the ability to do that, versus before when you had a homeowner's policy and a homeowner's policy would extend liability all the way over to wherever you're staying. So for instance, when I go on spring break with my kids, and I go stay at the hotel, my home Moroz policy is extending liability All the way to that hotel room.   Michael: Got it, okay.   Jason: Yeah, yeah. So you lose that when you go to a commercial policy and so, yeah…   Michael: Okay. Well, for those people that are still with us, I hopefully we haven't bought it and went to tears. Jason, I'm curious if you could share with us what types of coverages we should be looking for an asking for on a short term rental policy, because, as you well know, there's all these different lineups and coverages and endorsements that you can add on your homeowners policy. So what do we need to be asking for on the short term side of things?   Jason: So on the short term side, there's only a few companies that have a very robust, you know, policy. And some of those, some of those coverages, for instance, would be, you know, if you had jet skis at your rental, and at the short term rental, so think of a lake like, a bigger home that will have, you know, bigger, you know, let's say can can house 14 people or something like that, well, they're probably gonna have some parties. So you can get all sorts of other business endorsements onto that, that location that you're not going to get with a traditional like State Farm or Allstate policy, that's going to give you what they call like liquor liability, you know, extension for for jet skis, or for the golf cart, or some of those other items. So if it's, if it's a much more robust, you know, short term rental, you know, it'd be like Orlando, or east or lake house, then you're gonna want to probably go with a little bit more of an expensive, broader short term rental policy. But if it's just in the city, and you don't, you don't have any of those other ancillary exposures, then you can go with this, most of these other smaller policies will, will take care of it. So Okay, hopefully, that that gives you some indication. But again, it goes back to usage and how, you know, what you're gonna be doing there, whether or not which endorsements will cover.   Michael: Okay, that makes sense and I guess really, the best way to go about it is to chat with some of the folks that are that do have robust policies in this space, and simply explain to them, hey, this is the type of property I have and this is the type of usage that I envision happening there and then hopefully, that agent or broker can go and put us in touch with the type of policy that we should be is appropriate for the space.   Jason: That's correct, yep.   Michael: And that's something that you could probably help out with, right?   Jason: I can, and then there's a couple options where you can go direct, but again, it's, I'd say, you still want to line up with the insurance broker insurance agency that specializes in that short term rental space, because they're going to be I'll tell you the difference, I'd say the normal home, a normal agent is not really going to know the difference between the two, it's, again, the whole space is still being developed. So most agents still don't know what they don't know, in the space.   Michael: Yep, makes sense. And who are some of those carriers, agencies, brokers that you think have really robust policies in place?   Jason: So the leader in the space is probably proper insurance and that's another option where you can go direct or some agents can also access their policy like we're contracted with them, their programs are always going to be it's going to have lots of bells and whistles, it's going to be a business policy is going to be probably the most robust out there and that's always going to be a little bit more expensive. But again, if you're going into a higher end, you know, short term rental property that's worth, you know, 500,000 or a million, I mean, some people go really, really nice with some of these. I mean, you definitely want to spend the extra money to get those, get that policy, and then probably in the competes, and everything is foremost, they're also the one that was one of the first in the space, and they can do it as well. And then there's a lot of third tier players that for some reason, you're up in the mountains, and you know, in California and your high fire, high fire area or zone, then you may have to go to some of those third tier carriers, and they may not just have all the bells and whistles, but still can provide the coverage you need. Okay, that's probably the one of the most difficult things right now is either if your coastal, I mean along the ocean, probably within five miles of the coast, or if your weapon mountains, not by a fire, fire department, those two spaces for short term rentals are difficult to insure right now and there's not much what we in the industry we call capacity, meaning nobody wants to write him. So and when that happens, I mean, it's just the price keeps going up. So if you're looking to actively look for properties, you know, here we are in March of 22, for the rest of 22. I'd say insurance premiums will be going up. So don't rely on what the previous person is stating their insurance cost was you're going to want to get that double check because the prices are going up.   Michael: That's really good to know and your opinion with a company like proper insurance where someone could go direct, I can just call a proper talk to an agent and get coverage. I mean, why would someone go with a broker, like yourself or someone else they might know they could just do it direct?   Jason: Yeah, I think it's the same way with going direct with any of the respirators like a, like a State Farm is, they're always gonna try to keep you in their box. So and they're very, they're still very limited to, you know, alternatives, unfortunately. So again, I do believe they do have the most robust policy out there, and I would recommend them. But they're not contracted with formal, so they're not going to as a second, as a second option, give them a quote, you know, the decline of coal to foremost, you know, versus a broker is going to give you those, you know, foremost proper, and also, maybe there's a third tier option, this is Hainaut, this property is, is not obviously not that nice, but doesn't have a lot of the exposures and maybe your investments not that great and you'll meet, you may want to try to at this lower end, you know, option meet every investor is different, every investor is getting different reserves, different controls in place and so a broker is going to be able to give you that wide range of options versus just calling and just getting the one thing done. In this, you know, this is the only option you could buy it or, or not.   Michael: So, yeah. Okay, and quick little side anecdote, Jason is actually, you know, you are my insurance broker for a significant chunk of my portfolio and that was one of the best things about having you in my corner, as I said, hey, here's the portfolio, I want to get it recorded and you went to all these different carriers and said, hey, these are the kind of two best, in my opinion, let's focus on these, as opposed to me having to call all of these ones directly, if you can even access them, because some of them you can't even access without a broker, right?   Jason: A …, correct. I mean, you got I mean, most, most programs are not going to go direct. For me, it's kind of somewhat of a new model where you can go to work and go direct to the, to the insurance carrier, I mean, we are moving that way. The only drawback is, is you just don't have that third party in there kind of guiding you saying this is what's good is what's what's bad. It's kind of kind of like going to the car dealership before a car dealership and saying, Well, is there anything better than a Ford and, of course, you know, and so you kind of get that same, that same experience that way. So that's why that's what a broker will do for you, just like an independent financial planner will do. If they're not selling their own products, I mean, you just get that non biased view. So I wouldn't recommend that, you know, for anybody, and then you can still go direct and still compare those. The one other thing I'd say, once you go to just the same examples, like a financial planner, or independent broker is we can then establish what your hot buttons are, what you really want covered, and what's important to you, and then go to the marketplace with those things in mind first, and kind of put in your rack and stack the policies and the quotes from that standpoint, versus you get all these random people, you asked for a quote and now it's apples, oranges and grapes, you're comparing you can't figure it out. I mean, I have so many people will call a time trying to figure things out, or they bought all these policies, and none of them, you know, all the risk is different in each policy and, you know, their best property has a lot of risk and their worst property has no risk. You know, it's all upside down. So that's another reason to go to a broker.   Michael: Yeah and is it more expensive going using a brokerage versus going direct?   Jason: No, it's the same cost. So, you know, if you go direct, you know, just for instance, proper, I'm assuming that they just pay their salespeople, you know, whatever the commission is, versus if you go with us, we just get that commission. So it's the same price either way, with farmers foremost, you know proper…   Michael: Awesome, awesome. Okay, geez, let's shift gears here just slightly and so if I'm an Airbnb host, I have insurance actually, through Airbnb, they have a million dollars in liability, they have their host damage Waiver insurance. Why do I need a short term rental policy, especially if it's more expensive?   Jason: Sure. So sometimes those hosts policies will have exclusions when you're not using the property. So for instance, you have you know, you start you, you place your Airbnb, tenant, you know, whatever you want to call them, you know, the person checks in on Saturday, they check out on the following Saturday, well, the Airbnb coverage covers you during that week. But then as soon as that stops, you don't have the coverage. So you do still want to have your own policy, all encompassing. So there are some gaps and coverages that way. It's the same way as getting into a car accident and say, well, the other guy's got insurance, and he's always going to be a fault. So why don't we just, you know, make sure he's got the coverage and always sue him off. The fact of the matter is, sometimes those claims get stalled out for years and if you want, if you want your property brought back up, sometimes you have to go through your own policy first, and then that your insurance company then sues the other insurance company, get the money back, in our business we call it subrogation, but they happens all the time. But that's why I would I wouldn't say that it's it's good to have there and it's good to mention because you will get you know priced, so you get the price break for having that policy in place. But it's not a it doesn't cover 100%   Michael: Okay, hat's great to know. Because I think so I know I'm totally guilty of it. When I first started out, did Airbnb my property, I was like, oh, there's this coverage here what do I need this extra coverage for and ended up chatting with my agent who ensures that property? You know, again, no, this is like, you need more robust than that. So that's really good to know.   Jason: Yeah, I think that's probably the problem in the space like I said, because it's been so it's still new in the intro. As far as the insurance world goes, I mean, the whole space really took off, like you and I were talking the other day and since 2016 2017, it just has blown up, it's like 10 times the size. So insurance for financial terms, like that's still a short period of time, you know, and people are still kind of figuring out insurance companies don't like to just jump in on a new risk without seeing a couple years of experience to see if they're going to pay in claim. So it's still developing and, you know, the important thing is just to keep asking, because I believe that every, every couple of months, new products are going to be coming out to new solutions, and more, more competitors are going to be coming into the space because so far, it seems to be a pretty, pretty profitable space you know, from the insurance carrier standpoint. So it should be here to stay.   Michael: Okay and kind of on that note, Jason, just as a ballpark, if you have an idea. If I'm paying, you know, X for a traditional long term rental policy, what increase should I expect to see if I convert that to a short term? Do you have a ballpark idea?   Jason: Yeah, so I think with some of the other lowering carriers, probably it probably be about the same.   Michael: Really?   Jason: Yeah, it's probably almost like a sweat. It's not to me too much more, right. Now, like what the proper because they're adding levels of the bells and whistles. For replacement costs. I mean, it's a it's a really nice policy that can that can go up to 50%, or maybe double, depending on how valuable the property is. The other problem is, is we don't know how the first person had it insured to begin with. So we don't know what the starting point is, I guess. But I would say maybe it could be anywhere from 25% to 200%. More, if you're really going, going all out.   Michael: Okay, that's good to know.   Jason: Yeah, yeah. But I would argue I mean, if you're, if you're going from an annual, you know, rental to short term rental, that's, if you're doing it right like that cost that additional costs should be way offset by the additional revenue that you're bringing in by the property. So it really shouldn't even be, you shouldn't be an issue, I should point to be honest with you.   Michael: I agree, I think you and I view insurance as an investment, a lot of investors probably incorrectly view it as an expense. So I think that's…   Jason: Right, right…Yep and just curbing the risk, you know, he's gonna get their risk off the table. So you don't have to write a check for 50 grand someday that you in that, right.   Michael: So right. Yeah but Jason, this was super helpful. Any final thoughts for folks on the short term rental side of things?   Jason: No, I would just say, you know, every time that every time you're making a change, and you're working your way up the ladder on the scaling up, just call your agent make a change and if for some reason, your personal home and auto agent just cannot help you anymore and they say, well, that's it, we can't do it, then it's time to find a commercial broker, and then start getting them to work on your account.   Michael: Okay, perfect and for folks that have more questions that want to reach out to you and possibly leverage your services as a broker, what's the best way for them to get in touch with you Jason?   Jason: Sure. You can reach out to my team at 494-270-6834 or jbott@robertsorion.com it's about what to buy with 3g Right on. You can put in the put in the show notes, right.   Michael: Perfect can do.   Jason: Yeah, buy a fourth for 14 members that all they do is work with my landlord. Clients constantly, constantly working through these issues. It's just a constant churn.   Michael: Awesome, awesome. Yeah, I can. I can attest to that personally, you got really good response rate. So I'm all on board. Well, Jason, this was great man. Thank you so much for taking the time and we'll chat with you soon, I'm sure.   Jason: Thank you, Michael.   Michael: Okay, well, that was our episode. A big thank you to Jason for coming on the show and helping to educate all of us short term, landlord investors. Definitely get out there and take a look at what policies you have if you have an existing short term rental and if you're thinking about one, now's the time to go do your due diligence on some of the companies that are out there and policy types that are available. As always if you enjoyed the episode, please feel free to leave us a rating or review wherever you're listening or watching and we look forward to seeing the next one. Happy investing…

In the darkest of times, we are tempted to give in to despair. For those living in war-torn Ukraine, the temptation must be enormous.But all around the world, people are seeing images of hope and faith amid Ukraine's gloom. In basements, rubble-strewn streets, and underground rail stations, the Ukrainian people are coming together.Pastor Andrew Moroz, an American, was born in Ukraine and has many relatives there. He says he understands the desire to keep up hope."Life in some ways has to go on in the midst of a war zone," Moroz says."There are some things that are normal and there are many things that are not normal that are happening right now, but people are continuing to pursue each other and pursue God in some way."Moroz joins "The Daily Signal Podcast" to discuss how Ukrainians are resisting the urge to give up, and how faith there is stronger than ever.We also cover these stories:The Russian Foreign Ministry announces sanctions against U.S. Secretary of State Antony Blinken and President Joe Biden, among others.Sarah Bloom Raskin withdraws her candidacy for vice chairman of the Federal Reserve.The Idaho House votes 51-14 to pass a bill allowing family members to sue medical professionals who abort a baby after six weeks. See acast.com/privacy for privacy and opt-out information.

Sara is joined by Pastor Andrew Moroz of the Gospel Community Church in Lynchburg, Virginia, to discuss the suffering of the Ukrainian people. Pastor Moroz was born there during the days of the Soviet Union. He came to the U.S. as a child but still has family and friends in Ukraine - some of whom have fled for neighboring countries. In their conversation, Moroz tells Sara about the day-to-day stress his loved ones are facing. the incessant lies of the Russian government, and how to process the horrors of this war through a biblical lens.Sara also cheers on Texas Rep. Chip Roy for calling out both parties for spending more money on the Border Patrol and ICE but not demanding any policy changes from President Biden. And she provides insight as to why Saudi Arabia and the United Arab Emirates are not taking calls from President Biden as he begs them for more oil production.Please visit our great sponsors:My Pillow https://www.mypillow.com/carterNow use web address MyPillow.com/Carter to access every deal!The Association of Mature American Citizenshttps://amac.us/carterThe benefits of membership are great, but the cause is even greater.Universal CoinCall Universal Coin at 1-800-UCB-GOLD for your $28 American Silver Eagle coin. Don't forget to say Sara sent you.

Manpreet Jhass and Cody Saftic breakdown UFC 271: Adesanya vs Whittaker 2 from a props perspective. Timestamps

I've recently returned from Las Vegas, after hosting tech tours (StoryTech / CTA) during Consumer Electronics Show (CES). CES® is one of the largest and most influential tech event in the world — and can be a proving ground for breakthrough technologies and global innovators. CES showcases companies including manufacturers, developers and suppliers of consumer technology hardware, content, technology delivery systems and more. TBF presents a 3-part series of reflections and impressions of the exhibitor content from #CES2022. Guests is this episode: Matt Moroz: Accomplished streaming media and e-commerce product leader with global partnerships experience in the media & entertainment industry. Patent holder, keynote speaker and passionate about digital transformation, anticipating changes in the marketplace, driving businesses into the future, operating at scale and in critical situations. Excels at managing relationships and building multi-disciplinary teams with focus on innovation. Hardie Tankersley: Senior-level technologist, builder, collaborator, data-driven developer of teams, relationships and ideas. Expert in a broad range of media technologies from HLS to USDZ, DAI, Agile, analytics, frameworks, and ad engines. Experienced in the broad range of business: product management, innovation, and cross-functional collaboration with marketing, finance, legal, HR. Has built new business lines for both horizontal consumer markets and vertical business applications from $0 to $120MM+. --- Send in a voice message: https://anchor.fm/theblackfuturist/message

Daniela Moroz joins the podcast! She just won her 5th Formula Kite World Championship, recently sailed with team USA on the Sail GP and is learning to downwind foil! Listen to it all in this podcast! Sad about poor audio quality, poor connection. Subscribe for more! (:

Born and raised in San Francisco, California, Daniela Moroz was the child of two windsurfing enthusiasts. She started kitesurfing at the age of 11 and then quickly progressed to hydrofoil boards and races in front of St. Francis Yacht Club on Thursday nights. It proved a promising training ground and she won her first world championship merely 4 years later at the age of 15. But, kite-foiling was a young sport and it took hard work for her to maintain her dominance over the fleet as it evolved. Kite-foiling was added to the list of sailing events at the Olympic games starting in 2024 and there Daniela hopes to reap the rewards of many years dominance in her discipline. https://www.danielamoroz.com/

Oksana Moroz is a pop scientist and cultural analyst. She is a Ph.D. in Cultural Studies, Associate Professor of School of Media at the National Research University Higher School of Economics and lecturer at the Moscow School of Social and Economic Sciences. She is the author of multiple scientific and popular articles on online communication, DE&I, digital memory and death. She is the author of the Youtube channel «The blog of critical culture researcher» (in Russia). Also, she is the lead analyst at the Bureau for Strategic Cultural Design No Crap Team. FIND OKSANA ON SOCIAL MEDIA Facebook | Instagram | YouTube ================================ SUPPORT & CONNECT: Support on Patreon: https://www.patreon.com/denofrich Twitter: https://twitter.com/denofrich Facebook: https://www.facebook.com/denofrich YouTube: https://www.youtube.com/denofrich Instagram: https://www.instagram.com/den_of_rich/ Hashtag: #denofrich © Copyright 2022 Den of Rich. All rights reserved.

Galen Low is joined by Agile delivery champion, Bill Moroz where they break down how to leverage enterprise data, to celebrate the success of your project and build long-lasting trust with your stakeholders and your team.

Rasputin: unkillable mystic and possible Jesus incarnate pulling the strings of the Russian oligarchy, or sex-crazed maniac whose outrageous behavior helped lead to the downfall of tsarist rule in Russia? Why not both! Find out on this episode where we ask the question, “What if Rasputin survived his last assassination attempt?”Colin kills it with his talk on the historical influence of assassins. Alex preaches the Book of Rasputin - a new religious movement following the holy man himself.Want to join the OUAT community? Have an idea for a change in history? Join our Facebook page! Editing by Hannah BurkhardtHosted by Alex Smith, Cody Sharp, and Colin Sharp.Milktoast Media LLCMusic: Ой, Mороз, Mороз! (Oy, Moroz, Moroz!)1812 Overture - Tchaikovsky Show Sources: (Fact check us! Heard something wrong? Let us know.)Smith, Douglas. Rasputin: Faith, Power, and the Twilight of the Romanovs. New York, NY: Picador / Farrar, Straus and Giroux, 2017. Hourly History. Grigori Rasputin: A Life From Beginning to End, 2017.Benjamin Jones and Benjamin Olken. Hit or Miss? The Effect of Assassinations on Institutions and War. National Bureau of Economic Research. 2007.Orlando Figes, A People's Tragedy: The Russian Revolution 1891-1924 (1996), pp. 32-33, 277-278.Knoll JL 4th. The "pseudocommando" mass murderer: part I, the psychology of revenge and obliteration. J Am Acad Psychiatry Law. 2010;38(1):87-94.Robert Morton et. al. "Serial Murder". FBI.gov. 2021.