Podcasts about Otti

All Home Care Matters and our host, Lance A. Slatton welcome Yati Patel as guest to the show. About Yati Patel: Yati Patel is OTTI's Senior Student Ambassador and Team Captain for this school years HOSA, Future Healthcare Professionals, competition. She is currently a second-year student at Center for Sight and a Senior at Noblesville High School. After graduation she will be entering college as a Pre-Med student with the intent of joining the field of Ophthalmology. Yati's end goal is to be a surgeon, although she does not know which specialty Yati would like to focus her practice around, she is leaning heavily into the ever-growing need in the world of eyes. Yati has been working closely with Center for Sights, Austin Lifferth OD FAAO, on a Glaucoma study around the effects on eye pressure response, and correlation with weight lifting versus low-impact exercise. Yati will be presenting her results at the Indiana 2024/2025 HOSA competition in April of 2025, and hopes to continue developing the study for publication.

Otti Otter entdeckt eine Schlange bei sich am Bach. Gemeinsam mit Tierreporterin Anna versuchen sie herauszufinden, welche Schlange es sein könnte. Ist sie giftig? Welche Schlangen sind überhaupt giftig? Und wo kommen eigentlich die Schlangen-Babies her? Und kann sich Otti jemals wieder in seinen Otter-Bau trauen?

Nonostante l'Europeo che si sta giocando in Germania, in #SerieA alcune squadre hanno già cominciato a piazzare i primi colpi di #calciomercato (sia in entrata che in uscita): potrebbe esserci già qualche indicazione interessante per il prossimo #fantacalcio?Diventa un supporter di questo podcast: https://www.spreaker.com/podcast/radio-rossonera--2355694/support.

Tämän kertaisessa jaksossa Kaukonen ja Oksanen keskustelee muun muassa: Brad Marchandin lääkäreiden koijaamisesta, maalivahtien estämisestä, sekä siitä mitä tulevaisuus tuo tullessaan Carolina Hurricanesille.(0:23) Alkuhöpinät(4:53) Brad Marchand ja Boston Bruins(22:54) Craig Berubesta Toronto Maple Leafsin uusi päävalmentaja(37:57) Aleksander Barkov on NHL:n paras puolustava hyökkääjä(44:26) Maalivahdin estäminen menee yli hilseen(56:55) Carolina Hurricanesin tulevaisuusDiscord: https://discord.gg/hyubjjeDAVInstagram: https://www.instagram.com/kaukosenlaidalla/Facebook: https://www.facebook.com/kaukosenlaidalla/

This time we will hear textile researcher and artist Judith Raum talk about the Hungarian Bauhaus weaver Otti Berger. Otti's story is one full of life, happiness, ambition, talent, and a prosperous future. There were so many things for her in the cards. But her life ended tragically and abruptly when she was deported to the concentration camp Auschwitz on 29 May 1944 and was murdered there shortly after. What's left are letters and postcards, and patents for some of her innovative fabrics. Judith Raum: judithraum.net/ Book: hatjecantz.de/products/64980-otti-berger Exhibition:bauhaus.de/de/programm/sonderausstellungen/9350_otti_berger_stoffe_fuer_die_architektur_der_moderne/?returnUrl=/de/programm// Otti Berger: ⁠de.m.wikipedia.org/wiki/Otti_Berger⁠ | ⁠sammlung.belvedere.at/objects/15853/hommage-otti-berger⁠ | ⁠ stolpersteine-berlin.de/de/fasanenstr/13/otti-ottilia-berger | fembio.org/biographie.php/frau/biographie/otti-berger/ Cover image for this episode: © Bauhaus-Archiv Berlin Podcast website bauhausfaces.com⁠ Instagram ⁠@bauhausfaces⁠

Tauche ein in eine Nacht voller Fantasie und Abenteuer! In dieser Episode von "Ab ins Bett mit Marco König" erwartet dich eine mitreißende Geschichte über Mut, Freundschaft und die Magie der Träume. [Unterstützt den Podcast jetzt!](https://www.paypal.com/donate/?hosted_button_id=PJC64Y47GDJZA) **Nicht vergessen: Drücke den "FOLGEN" Button und lasse eine Bewertung da! ** Mehr Infos zu Ab ins Bett findet du auf [www.abinsbett.net](http://www.abinsbett.net)

Tauche ein in eine Nacht voller Fantasie und Abenteuer! In dieser Episode von "Ab ins Bett mit Marco König" erwartet dich eine mitreißende Geschichte über Mut, Freundschaft und die Magie der Träume.

01.15 Naisten liigakauden paketointi ja loppuarviot 13:55 Lisette Täksin vierailu 30:55 MM-kisojen ennakointia - Lähtöasetelmat - Sarjajärjestelmä - Naisleijonaennustukset 41.20 Loppusanat Kauden toiseksi viimeisessä Lapa jäähän -podcastjaksossa vieraana on Kiekko-Espoon tähtihyökkääjä Lisette Täks, 21, joka voitti Naisten Liigan maalipörssin hurjalla 39 osuman saldollaan. Vaikka hopeaan päättyneissä pudotuspeleissäkin maaliverkko heilui 11 kertaa, ei Täksiä nähdä huhtikuun MM-kisoissa Naisleijonien riveissä. Kauden aikana hän esiintyi EHT:lla maajoukkueessa 11 ottelussa ja teki 4+1=5 pistettä. − Kyllähän se harmittaa, eikä sille mahda mitään. Päävalmentaja tekee ratkaisut ja sitten ne ovat ne. Ei tässä auta muu kuin jatkaa vaan eteenpäin ja keskittyä trenaamiseen. Eiköhän se siitä sitten, vielä nuori Täks tuumi. Jaksossa niputetaan myös HIFK:n mestaruuteen päättynyt naisten liigakausi ja pohjustetaan keskiviikkona alkavia MM-kisoja muun muassa kolme ennustuksen kautta. Pohjoisamerikkalaiset lähtevät turnaukseen ennakkosuosikkeina, mutta eurooppalaisilla huippuryhmillä on sanansa sanottavana.

Die Textilgestalterin Otti Berger studierte am Bauhaus Dessau und machte sich 1932 in Berlin selbständig. Nun zeigen eine Ausstellung in Berlin und eine umfangreiche Publikation ihr Leben und Werk. Dafür wurden von ihr entwickelte Stoffe nachgewebt. Raum, Judith www.deutschlandfunkkultur.de, Kompressor

Otti Varga - In seinem privaten Nostalgiemuseum in Rechnitz gibt der ehemalige Diskothekenbesitzer den Gästen Einblicke in die 130-jährige Geschichte von Jukeboxen, Wurlitzern und anderen Audiogeräten. Er kocht für uns: Käsespätzle.

Wie soll ich das jetzt schreiben... Naja, ich beschreibe euch die neue Folge von Leise War Gestern mal so - wir sind im Keller... absolut im Keller und zwar im Metalkeller. Unser Host Kai Rath ist gemeinsam mit Otti vom Metalkeller (Link: hier) bei einer ganz speziellen Sonderfolge unterwegs. Bei uns geht es mal drunter und mal drüber. So schalten wir wild zwischen beiden Podcasts - der Clou dabei - wer alles hören will, der sollte nicht nur hier reinhören, sondern auch mal beim Partnerpodcast. Da gibt es die andere Hälfte dieser Folge für euch auf die Ohren. Über den Metalkeller: "Der METALKELLER" ist eine einzigartige Show in der Metal-Musikszene, bei der fünf Teams in verschiedenen unterhaltsamen Metal- und Musikspielen um Punkte kämpfen. Das Team mit den meisten Punkten am Ende der Saison gewinnt die "Goldene Pommesgabel". Neben dem Wettbewerb laden die Teams prominente Gäste aus Bands wie Sodom, Saltatio Mortis, Die Apokalyptischen Reiter, Kissin' Dynamite, Primal Fear, J.B.O., Tankard und viele mehr ein. Sie diskutieren über ihre Musik, das Metal-Genre im Allgemeinen und vor allem über die Menschen dahinter. Dieses Format bietet eine frische und einzigartige Möglichkeit, Metal-Musik zu erleben. Song im Outro: Persefone - Spiritual Migration Special Thanks: Otti von der Metalkeller --- Send in a voice message: https://podcasters.spotify.com/pod/show/leisewargestern/message

Otti y Brunella implementan diseños permaculturales en la provincia de Manabí, Ecuador. En su tienda totalmente libre de agrotóxicos en Bahía de Caráquez comercializan los productos elaborados de su propia finca y de otros productores responsables. Hoy conversamos sobre su historia, y debatimos sobre los mecanismos de control y transparencia en el mundo de la producción y comercialización de alimentos, así como sobre la importancia de mantener una ética de cuidado hacia la Tierra y su gente. Hazte miembro de Radio Semilla: www.radiosemilla.com/apoyanos Descarga este episodio en tu plataforma favorita: https://linktr.ee/radiosemillapodcast Notas del Episodio Tierra Bellbaum y Combida: www.tierrabellbaum.com info@tierrabellbaum.com ig: https://www.instagram.com/tierrabellbaum/ fb: https://www.facebook.com/people/Tierra-BellBaum/100010131631106 Regenética: https://www.instagram.com/regenetica/ SPG de la Red de Guardianes de Semillas: www.ga-rgs.com

A Crescendo Of Expectations is building up over Aba, one of Nigeria's major manufacturing hubs, which for decades has had its stars dimmed by the ill luck of bad and incompetent governance and total neglect of the social and economic infrastructure required to make a manufacturing hub thrive. The expectations are being built around the provenance of having the banker, Alex Otti, on the saddle as governor of Abia State where the city is located and where vultures had reigned in the corridors of political power; of Geometric Power, promoted by the scientist, Barth Nnaji, a two-time former minister of power and of science and technology; and the unleashing of the exports easing African Continental Free Area (AfCFTA), all three coming into play at the same time.This show is part of the Spreaker Prime Network, if you are interested in advertising on this podcast, contact us at https://www.spreaker.com/show/4581134/advertisement

Es ist warm, es ist sehr warm. Daher liegt es nahe, dass wir uns mit einem nautischen Comic die Gemüter etwas herab gekühlt haben. Aber auch den Auftakt des Bone-Orchard-Mythos hatten wir dabei, sowie einen kleinen süßen Zweig, der einen kaputten Stein reparieren soll. Mit diesem und vielem mehr, wollen wir euch von eurem heißen Alltag ablenken. Wir hoffen es ist uns gelungen. Hier geht's zur John Sinclair Voodoo Folge: KLICK 00:00:00 Intro und Smalltalk 00:11:22 Captain Voodoo 00:32:45 Manga/ One Piece-Ausreißer 00:40:25 Die Passage (Bone Orchard Mythos) 00:58:19 Lord Gravestone 01:07:48 TWIG 01:24:04 Die wahre Geschichte des Wilden Westens: Jesse James 01:46:37 Failsafe von Chip Zdarsky 01:54:19 Bermuda 02:00:28 Thor und Hulk von Donny Cates 02:13:25 DC Movie: The Flash Folge direkt herunterladen

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I Will Not Tolerate Sycophancy - Abia Governor-Governor-electOsazuwaAkonedoNotelect Alex Otti ~ OsazuwaAkonedo #Abia #Alex #governor-elect #job #newspapers #OsazuwaAkonedo #Otti #politics #sycophancy #tolerate https://osazuwaakonedo.news/i-will-not-tolerate-sycophancy-abia-governor-elect-alex-otti/02/04/2023/ By FerdinanEkeomaEkeomai-will-not-tolerate-sycophancy-abia-governor-elect-alex-ottid EkeomaEkeomaSupport this podcast with a small monthly donation to help sustain future episodes. Please use the links below: Support Via PayPal https://www.paypal.com/donate/?hosted_button_id=TLHBRAF6GVQT6 Support via card https://swiftpay.accessbankplc.com/OsazuwaAkonedo/send-money Support via Webmoney https://funding.wmtransfer.com/e1c3f11e-a616-4f6a-98d7-4d666a48d035/donate?c-start-error=K36158TP&sum=10 --- Support this podcast: https://anchor.fm/osazuwaakonedo/supportsupportsupportsupport --- Send in a voice message: https://podcasters.spotify.com/pod/show/osazuwaakonedo/message

This episode is also available as a blog post: https://osazuwaakonedo.news/dont-distract-alex-otti-with-court-cases-ikpeazu-tells-pdp-others/25/03/2023/ Support this podcast with a small monthly donation to help sustain future episodes. Please use the links below: Support Via PayPal https://www.paypal.com/donate/?hosted_button_id=TLHBRAF6GVQT6 Support via card https://swiftpay.accessbankplc.com/OsazuwaAkonedo/send-money Support via Webmoney https://funding.wmtransfer.com/e1c3f11e-a616-4f6a-98d7-4d666a48d035/donate?c-start-error=K36158TP&sum=10 --- Support this podcast: https://anchor.fm/osazuwaakonedo/supportsupport --- Send in a voice message: https://podcasters.spotify.com/pod/show/osazuwaakonedo/message

28.01.2023 - An diesem Abend wurde die Jugend in zwei Altersgruppen aufgeteilt. In dieser Folge spricht Otti über das Thema Wachstums-Mindset zu den 14-19 Jährigen.

Toimittaja Elina Venesmäki kävi kantasolusiirrossa Meksikossa. Suomessa hoitoa ei ole annettu hänen sairauteensa MS-tautiin. Riskejä pidetään liian suurina.

Ukrainalaiset naiset ja lapset maksavat Venäjän hyökkäyssodasta kovaa hintaa. Venäjä kylvää kauhua iskemällä sodan oikeussäännöistä piittaamatta siviilikohteisiin, jopa synnytyssairaaloihin. Vaikeiden sotaolojen lisäksi ukrainalaisnaisia ja -lapsia koettelee sodan mullistama perhetilanne monen miehen ollessa rintamalla. Ohjelmassa kuullaan myös, miten jaksavat Eurooppaan sotaa paenneet ukrainalaislapset. Ohjelman toimittavat Maxim Fedorov ja Paula Vilén. Äänitarkkailijana on Anders Johansson. Kuva: Tuuli Laukkanen / Yle

125th Q&A Episode Google Form - Click on this link and ask your question - https://forms.gle/TLwubdqmszzGt42CA . Cat and Robo join together to discuss marketing insights and business news from Nov 14 to Nov 27 in this 121st episode of Note Panra Series --- Send in a voice message: https://anchor.fm/mba-meme-school/message

Othniel Erdei am 28.05.2022. Gebet ist das Gespräch mit Gott. Aber wie genau sollen wir beten? Otti spricht heute über 6 Arten, wie wir beten können: 1. Verehrung 2. Bekenntnis 3. Klagegebete 4. Bitten & Fürbitten 5. Dankgebete 6. Segensgebete Hier findest du alle Folgen dieser Predigtreihe in einer Playlist zusammengefasst.

400 Fische aus Katzengraben in Groß-Zimmern geholt Seebär "Otti" ist tot

Today we find out how to bridge philosophy, psychology and management science to understand how businesses can enable a "good society". We are joined by two experts in this field, Antoinette Weibel and Otti Vogt to find out what questions we need to be asking. Professor Dr. Antoinette Weibel is full professor for human resource management at the University of St. Gallen. She is President of the Executive Committee of the Institute for Systemic Management and Public Governance at the University of St.Gallen, and a member of the Executive Committee of the Institute for Media and Communications Management and the Institute for Business Ethics at the University of St.Gallen. Her current core project, ‘Good Organisations', asks how organisations can become better members of society.  Otti is a disruptive thought leader with over 20 years experience in implementing strategic business change in multi-cultural, complex businesses and in crafting human-centric learning organisations. As COO and Chief Transformation officer in ING, he was until recently accountable for ING's global digital transformation programme and continuous optimisation of operational service performance for more than 20m customers worldwide. He is also a certified leadership coach, associate of the Globally Responsible Leadership Initiative (GRLI) and was recently named Top 20 Global Thought Leader on Agile.  Tune in to this episode as we explore the power of framing the right questions, how we can enable each others' flourishing, the role of high quality relationships and active reflection – and why no singular idea will solve everything.    A full transcript of the episode can be found on our website: https://boundaryless.io/podcast/antoinette-weibel-and-otti-vogt/    Key highlights we discussed: > What do we mean by doing ‘good' or ‘bad' in business? > The impact of plurality and multiculturalism > The power of sociality and facilitating higher quality relationships > Defining a ‘flourishing' individual and society > Balancing globalism vs community and landscape     To find out more about Otti and Antoinette's work:   > Otti's Linkedin: https://www.linkedin.com/in/ottivogt > Otti's Twitter: https://twitter.com/Otti_Vogt    > Antoinette's LinkedIn: https://www.linkedin.com/in/antoinette-weibel/   > Antoinette's Twitter: https://twitter.com/antoinetteprof  > Website: https://goodorganisations.com/  Other references and mentions:   > Good Organisations' YouTube: https://www.youtube.com/channel/UCMTzXIuJLFz0IcJYztHPShQ  > Building a convivial society: autonomy, tools, scale, and capabilities - with L.M. Sacasas: https://www.boundaryless.io/podcast/l-m-sacasas/  > Lorsch, Jay W. “Organization design: A situational perspective.” Organizational dynamics 6, no. 2 (1977): 2–14, https://www.sciencedirect.com/science/article/abs/pii/0090261677900420 Find out more about the show and the research at Boundaryless at https://boundaryless.io/resources/podcast/   Thanks for the ad-hoc music to Liosound / Walter Mobilio. Find his portfolio here: https://boundaryless.io/podcast-music   Recorded on 22 March 2022.

Külas on näitleja ja multifunktsionaalne meeslaps Ott Sepp. Meil oli koos lõbus vestlus. Rääkisime Otti tuurist, Maleva filmivõtetest, Kättemaksukontorist ja paljust muust. Ottil on käimas koos Däniga tuur "Jokker" – piletid Piletilevist

Venäjä tunnusti Itä-Ukrainan separatistialueiden ns. kansantasavallat ja Vladimir Putin ilmoitti lähettävänsä sinne venäläisiä joukkoja. Mitkä ovat Venäjän aikeet ja mitä seuraavaksi tapahtuu? Kuinka tärkeään asemaan Valko-Venäjä nousee? Keskustelemassa tutkija Kristiina Silvan, UPI ja apulaisprofessori Katri Pynnöniemi, MPKK, HY. Yhteys ulkomaantoimittaja Antti Kurviseen Itä-Ukrainaan, kirjeenvaihtaja Erkka Mikkoseen Moskovaan ja Iida Tikkaan Washingtoniin. Opposition välikysymys osui maailmanpolitiikan turbulenttiin päivään. Välikysymys koskee polttoaineiden hinnankorotuksia ja keinoja auttaa ongelmiin joutuneita ihmisiä. Nyt talouden taivaalla on entistä synkempiä pilviä. Keskustelemassa Lulu Ranne, ps., Hanna Kosonen, kesk. ja Mari Holopainen, vihr. Juontajana Mira Stenström, toimittajina Anna Nevalainen ja Päivi Dahl. Tuottaja Tarja Oinonen.

SEASON. MFKN. TWO. Here we GOOO!! We missed you. You missed us. Let's get it. We're coming in hot and heavy right off the bat this season y'all. Beyonce VERSUS Jay Z. That's right we're ripping this family apart.  THIS WEEK'S GAME: Issa classic DEBATE episode only this time with collective power of The Bee Hive and Rockawear. Two teams will battle it out over Beyonce and Jay Z's impact on the culture, the music industry, and by the end we will crown which powerhouse rules supreme. The Show: @getwreckedpodcast (IG/TikTok), @getwreckedcast (twitter),  The Hosts (IG): @ericmmyrick, @kourtneybellll  The Players (IG): Chess Avantgarde (@chessavantgarde) Horace Gold (@horacegold) Kevin Bell (@kbelljr) Otti (@otti)"

Jussi Jylkkä on filosofian tohtori ja psykologian dosentti, joka tutkii psykedeelisiä kokemuksia ja tietoisuutta. Happotripin aikana ihminen voi kokea, että kaikki on yhtä - mutta miten tällaiseen kokemukseen voi asemoitua tieteellisen tiedon valossa? Jylkkä on esittänyt oman versionsa Maryn huone -nimellä kulkevasta filosofisesta ajatuskokeesta. Alkuperäisessä ajatuskokeessa neurotieteilijä Mary tietää kaiken väreistä, muttei ole koskaan niitä itse kokenut. Jos Mary eräänä päivänä näkeekin värit, oppiiko hän jotain uutta? Jylkän versiossa värien tilalla on LSD. Mitä tällainen ajatuskoe voi opettaa ns. tietoisuuden vaikeasta ongelmasta? Vaikeaksi ongelmaksi nimitetään kuilua sisäisen kokemuksen ja kokemuksen syntyä kuvaavan tieteellisen tiedon välillä.

Vandaag het gesprek met Antoinette Weibel en Otti Vogt. Antoinette is professor for HRM at the University of St. Gallen. She is a leader with a great research and teaching team dedicated to the overall question of how we can make workplaces better, thriving enabling environments. She is the outgoing president of a network of trust researchers (FINT) and engaged in the board of the Swiss Academy of Social Sciences and Humanities because she truly believes that real-world problems need to be engaged with in an trans-disciplinary dialogue. Otti has over 20 years of experience in implementing strategic business change in multi-cultural businesses and in crafting human-centric learning organisations. He is passionate about personal and organisational transformation. As Chief Operating Officer of ING's Challenger and Growth division, he was until recently accountable for ING's global digital transformation programme and continuous optimisation of operational service performance. He is a certified leadership coach, international speaker on business transformation. Enjoy the insights of Antoinette and Otti. Let's get started… Meer over Antoinette Weibel https://www.linkedin.com/in/antoinette-weibel/https://twitter.com/antoinetteprofhttps://goodorganisations.com/  Meer over Otti Vogt https://www.linkedin.com/in/ottivogt/https://twitter.com/Otti_Vogthttps://managementforradicals.com/ https://goodorganisations.com/  Video with Antoinette Weibel en Otti Vogt https://youtu.be/Z6u_NyjC-jc

Vandaag het gesprek met Antoinette Weibel en Otti Vogt. Antoinette is professor for HRM at the University of St. Gallen. She is a leader with a great research and teaching team dedicated to the overall question of how we can make workplaces better, thriving enabling environments. She is the outgoing president of a network of trust researchers (FINT) and engaged in the board of the Swiss Academy of Social Sciences and Humanities because she truly believes that real-world problems need to be engaged with in an trans-disciplinary dialogue. Otti has over 20 years of experience in implementing strategic business change in multi-cultural businesses and in crafting human-centric learning organisations. He is passionate about personal and organisational transformation. As Chief Operating Officer of ING's Challenger and Growth division, he was until recently accountable for ING's global digital transformation programme and continuous optimisation of operational service performance. He is a certified leadership coach, international speaker on business transformation. Enjoy the insights of Antoinette and Otti. Let's get started… Meer over Antoinette Weibel https://www.linkedin.com/in/antoinette-weibel/https://twitter.com/antoinetteprofhttps://goodorganisations.com/  Meer over Otti Vogt https://www.linkedin.com/in/ottivogt/https://twitter.com/Otti_Vogthttps://managementforradicals.com/ https://goodorganisations.com/  Video with Antoinette Weibel en Otti Vogt https://youtu.be/Z6u_NyjC-jc

> Sign Up For Our Newsletter: http://www.firsthuman.com/being-human-newsletter/What does it mean to be a good organisation in a world of unbounded individualism and ferocious social Darwinism? A rebellious professor and a business insurgent believe they have an answer.Professor at the University of St. Gallen Antoinette Weibel and Otti Vogt, ex-COO of ING, join us this week to talk about the new project they've co-founded called Good Organisations.They believe the “anything goes” narrative of our postmodern world cannot be upheld. Antionette and Otti join the show to tell us that we need to re-learn how to put virtues first and craft “good organisations” that enable human flourishing.In this episode, we talk:Healthy feminine and healthy masculineThe role of healing and dialogical learningThe curse of unbounded individualismHow Agile = 'Lipstick on a Pig'The need for revolutionLinks:Good Organisations

> Sign Up For Our Newsletter: http://www.firsthuman.com/being-human-newsletter/What does it mean to be a good organisation in a world of unbounded individualism and ferocious social Darwinism? A rebellious professor and a business insurgent believe they have an answer.Professor at the University of St. Gallen Antoinette Weibel and Otti Vogt, ex-COO of ING, join us this week to talk about the new project they've co-founded called Good Organisations.They believe the “anything goes” narrative of our postmodern world cannot be upheld. Antionette and Otti join the show to tell us that we need to re-learn how to put virtues first and craft “good organisations” that enable human flourishing.In this episode, we talk:Healthy feminine and healthy masculineThe role of healing and dialogical learningThe curse of unbounded individualismHow Agile = 'Lipstick on a Pig'The need for revolutionLinks:Good Organisations

Contact Marco Otti: https://www.linkedin.com/in/marco-otti/Budgeting Revisited: https://sfmagazine.com/post-entry/may-2021-budgeting-revisited/

Kaukosenlaidalla podcastissa käydään läpi NHL-sarjan tuoreimmat käänteet ja tapahtumat, joihin tällä viikolla kuuluu muun muassa: Tampa Bay Lightningin vakuuttavat otteet finaalisarjassa, sekä viimeisimmät henkilökohtaisten palkintojen voittajat. 0:24 Alkulämmöt 5:51 Tampa Bay Lightning vs Montreal Canadiens 26:57 Uutisia ja tapahtumia 58:18 New York Islanders ja Vegas Golden Knights 1:25:29 Te kysytte, me vastaamme

"Wie zwei Typen versuchen, mit dem Rad nach Vietnam zu fahren." Bevor ihr Film "verplant" im Mai Premiere feiert, erzählen Otti und Keule uns schon heute im Podcast von dem wohl größten Abenteuer ihres Lebens. 15 Länder, 10 Monate und diverse Pannen. Hört unbedingt mal rein!

Otti Vogt and Danielle Grant discuss "The Fifth Revolution," a topic that is increasingly important for the health of our organizations. What is the Fifth Revolution? As Otti puts it, after the fourth revolution focused on technology and change, we need a humanistic revolution focused on moral leadership. Otti is Chief Operating Officer and Chief Transformation Officer at ING. Listen as we explore in depth the implications and opportunities to consider.

BÜCHER FEIERN! – die Osterepisode! Wie immer mit 8 plus x wunderreichen, ganz unterschiedlichen Herzensbüchern und einem feinen Gespräch mit Gast Enno Kalisch, Schauspieler, Sprecher, Autor, Singer Songwriter, der sich selbst kurz „Geschichtenmensch“ nennt. Hört am besten selbst: Usch, Enno, Espresso in Original-Friesentasse und ein Meer von Geschichten, Gedanken und Worten. Kommt mit ins deutsch-dänische Grenzland, zu den Raddampfern an den Mississippi, in die Dörfer der Welt, die so vieles gemeinsam haben, in das alte Damaskus, zum Geheimnis des Glücks, der Freude am Postkartenschreiben und tanzt mit Pop-Ikone Lady Gaga (Ja, ja, der Song heißt „Just dance“ (Spoiler Versprecher :) Und von Herzen Frohe Ostertage! Zum Abbiegen: Hier geht es zu den Texten, Ermutigungspostkarten, Songs von Enno Kalisch: https://www.ennokalisch.de, ach so und Feedback, Fragen, Freudenschreie gerne direkt zu Usch (Ursula Kollritsch): www.sommer-frisch.de Und hier alle Buchempfehlungen: ALL TIME FAVORITES: Mark Twain: Tom Sawyer und Huckleberry Finn https://www.dtv.de/buch/mark-twain-andreas-nohl-tom-sawyer-und-huckleberry-finn-14166/ Jurek Beckers Neuigkeiten an Manfred Krug und Otti https://www.zvab.com/buch-suchen/titel/jurek-beckers-neuigkeiten-manfred/ Christine Becker (Hrsg.), Am Strand von Bochum ist einiges los https://www.suhrkamp.de/buecher/am_strand_von_bochum_ist_allerhand_los_-jurek_becker_47037.html NEUERSCHEINUNGEN: Sasa Stanisic, Vor dem Fest https://www.penguinrandomhouse.de/Buch/Vor-dem-Fest/Sasa-Stanisic/Luchterhand-Literaturverlag/e210016.rhd https://www.penguinrandomhouse.de/Taschenbuch/Vor-dem-Fest/Sasa-Stanisic/btb/e483918.rhd Extratipps: Sasa Stanisic erhielt 2019 den Deutschen Buchpreis für Herkunft und ganz frisch erschienen ist sein Kinderbuch mit Illustrationen von Katja Spitzer: Hey, Hey, Hey, Taxi! https://www.mairisch.de/programm/sasa-stanisic-katja-spitzer-hey-hey-hey-taxi/ Helga Schubert: Vom Aufstehen. Ein Leben in Geschichten https://www.dtv.de/buch/helga-schubert-vom-aufstehen-28278/ Autorinnenlesung beim Bachmannpreis 2020: https://bachmannpreis.orf.at/stories/3054157/ Premierenlesung aus dem Buch, März 2021, Literaturhaus Berlin: https://www.literaturhaus-berlin.de/programm/helga-schubert-vom-aufstehen-ein-leben-in-geschichten GELIEHENE/AUF UMWEGEN ENTDECKTE: Joel Ben Izzy: Der Geschichtenerzähler oder das Geheimnis des Glücks https://www.herder.de/lesen-hoeren-schenken-shop/der-geschichtenerzaehler-oder-das-geheimnis-des-gluecks-ebook-(epub)/c-39/p-3687/ Davide Morosinotto: Die Mississippibande, Wie wir mit drei Dollar reich wurden https://www.thienemann-esslinger.de/produkt/die-mississippi-bande-isbn-978-3-522-18455-7 BLAUE/BESONDERE SCHÄTZE: Rafik Schami, Erzähler der Nacht https://www.beltz.de/kinder_jugendbuch/produkte/produkt_produktdetails/3608-erzaehler_der_nacht.html Melanie Raabe, Lady Gaga https://www.kiwi-verlag.de/buch/melanie-raabe-melanie-raabe-ueber-lady-gaga-9783462001044

The maturity of an organisation can never transcend the maturity and consciousness of its leaders.. In this episode of Let's talk Otti and I have a great discussion about the “fifth revolution”. We discuss transforming leadership for the 21st century, ambidextrous organisations, and the ability of agile organisations to respond more effectively and more resiliently. Looking at the effects of this crisis, which has caused us all to pause and reflect on our definitions of success, we also discuss the notion of more human centric and purposeful organisations, where the need to develop moral agency to continually evaluate what we're doing, who we are and what we want to be is key. Happiness goes way beyond the bottom line.  Otti shares his wealth of insight, experience and thought leadership on these important subjects. The main insights you get from this episode : sustainable transformation requires continuous self-adaptation by an organisation, its leaders and its employees: this means embracing learning and focussing on a human-centred approach to change 'ambidextrous' organisations must be able to improve whilst exploring new avenues, thereby fostering creativity and challenging the status quo (cf. deliberately developmental organisations, DDO) COVID has brought about both analysis of and modification to structures, but it has also drawn attention to the importance of resilience and purpose alongside the issue of digital acceleration digital technology has brought increased flexibility yet also fatigue, blurred boundaries and communication difficulties, and a balance must be struck during this constantly evolving situation self-organised leadership must invest in the growth and wellbeing of its individuals to really build an agile community that both collaborates with and cares for all stakeholders the old adage of success being defined by ascending the linear career path must make way for transpersonal leadership that creates value and sets great store by moral agency regenerative and interdependent models of leadership are mindful of core values and support co-elevation - attributes that will be essential in the 'next normal' (during and post-COVID) a 'humanocracy' would enable us to find kindness and compassion in the workplace, to change the culture and allow everyone to be and feel involved and valued, functioning as one for the benefit of all the present and future call for emotional intelligence; we must reconsider who we are and what we do, reflect and grow and look after ourselves and each other - happiness goes beyond the bottom line

Otti Berger (1898–1944/45) var designer, vever og lærer ved den toneangivende skolen Bauhaus i Dessau, Tyskland. Hun var fascinert av skandinavisk kunsthåndverk som ryer og åklær som etter hvert inspirerte Bergers designuttrykk. Hun var svært aktiv og utviklet industrielt produsert tekstildesign for et internasjonalt marked. Berger eksperimenterte med naturlige og kunstige fibre, med fokus på fysiske tekstilkvaliteter som struktur, elastisitet og varighet. Lysreflekterende og lydabsorberende tekstiler ble utviklet i studioet hennes. Otti Bergers design ble vist i internasjonale utstillinger og magasiner, og hun publiserte ofte egne artikler. 46 år gammel, i 1944, blir hun sendt til Auschwitz. See omnystudio.com/listener for privacy information.

Ilveksen tehopuolustaja Juuso Välimäki pelasi jälleen tehokkaasti Tapparaa vastaan. Kaksi syöttöpistettä saalistanut Välimäki kehui keskushyökkääjien roolia pelin jälkeen. Kuuntele "Juigen" haastattelu tästä.

Otti Vogt, Chief Operating Officer and Chief Transformation Officer of ING's Challenger and Growth business based in Amsterdam, is passionate about organisational transformation - especially the human-centric type. He combines high performance with making work a happy place to be and believes: "There is a lot to be done if people can have the courage to revise how they design work." A disruptive thinker who creates environments where teams achieve together and are empowered to explore their innovative ideas, Otti is highly experienced in elevating work cultures and has done so for organisations in the UK, Italy, Germany and now the Netherlands. As with all great Culture Makers, Otti never gets complacent: "Organisational transformation without individual transformation is non-existent. If you want to be successful in taking others somewhere you have to start with yourself." Otti's book recommendation: Carol Sanford, No More Feedback: Cultivate Consciousness at Work ----------- Want to create a great place to work? Join the global Culture Fix Community Find out more about Colin D Ellis Incidental show music courtesy of Purple Planet --- Send in a voice message: https://anchor.fm/culturemakers/message

Am letzten Ferientag taucht eine dreifarbige Glückskatze auf. Trotzdem geraten Otti und Oma in Streit. Ob sie sich wieder vertragen? Aus der OHRENBÄR-Hörgeschichte: Otti mopst sich (Folge 5 von 5) von Gabi Unger. Es liest: Sandra Schwittau.

Otti geht mit Kürtchen zum Angeln. Da zappelt etwas an der Leine – aber die Raubmöwe über ihnen hat das auch entdeckt! Aus der OHRENBÄR-Hörgeschichte: Otti mopst sich (Folge 4 von 5) von Gabi Unger. Es liest: Sandra Schwittau.

Oma gibt Otti einen Euro. Sie soll auf dem Bauernhof frische Milch holen. Vergnügt schleudert Otti die Milchkanne im Kreis. Ob das gutgeht? Aus der OHRENBÄR-Hörgeschichte: Otti mopst sich (Folge 3 von 5) von Gabi Unger. Es liest: Sandra Schwittau.

Oma kauft Otti schwarze Lackschuhe. Schick sind die! Ob man mit denen auch Fußball spielen kann? Aus der OHRENBÄR-Hörgeschichte: Otti mopst sich (Folge 2 von 5) von Gabi Unger. Es liest: Sandra Schwittau.

Bei Otti kommt nie Langeweile auf. Auch nicht, wenn sie bei Oma auf dem Land ist. Wie wohl die Äpfel auf dem Tisch schmecken? Aus der OHRENBÄR-Hörgeschichte: Otti mopst sich (Folge 1 von 5) von Gabi Unger. Es liest: Sandra Schwittau.

In den Ferien besucht Otti die Oma auf dem Land. Bei Otti kommt keine Langeweile auf: Mal beißt sie heimlich Äpfel an, mal spielt sie Fußball in Lackschuhen, mal schleudert sie die Milchkanne wild im Kreis. Gut, dass die Oma nicht alles weiß … Alle 5 Folgen der OHRENBÄR-Hörgeschichte: Otti mopst sich von Gabi Unger. Es liest: Sandra Schwittau.

Ilves aloitti kauden 2-1 voitolla Lappeenrannan SaiPasta. Ottelun suurimpana tähtenä nähtiin loistavasti maalilla pelannut Lukáš Dostál.

Die Unvernunft Live am Donnerstagabend, Folge 30. Auf live.kunstDerUnvernunft.de gibt es den Livestream & Chat und hier nun das Ergebnis für Alle, die nicht dabei sein konnten. Dieses mal bin ich total Eigennützig! Denn ich habe die Wahl: Outing total oder Klagen? Mit Marina, Otti, dem Tüddeltüftler und Jan spreche ich darüber. Was kann ich tun, was soll ich tun? Hintergrund: Damit alles schön legal ablaufen kann (Impressumspflicht und so) braucht man einen Namen und den mag mir meine Gemeinde nicht geben. Nun muss ich klagen und ich rufe euch Hörer dazu auf, mich dabei zu unterstützen. Anwalt & Gericht kosten leider Geld und hier brauche ich euren Support! Im zweiten Teil haben wir uns den Bechern gewidmet! Was steht drauf? Wofür wird BDSM stehen und wie Vanillafreundlich sind die Becher dann noch? Das passende Video von der Verlosung gibt es in ein paar Tagen dann auch bei Youtube zu sehen. Die Shownotes enthalten noch viel mehr Infos und Links, sind aber auch auf kunstderunvernunft.de zu finden. Nächster Livestream: 06.08. 20:30 Uhr

Wir müssen alle zu Hause bleiben. Stammtische und Partys gibt es nicht, also versuchen wir euch mit Kink zu Hause zu versorgen. Auf live.kunstDerUnvernunft.de gibt es den Livestream & Chat und hier nun das Ergebnis für Alle, die nicht dabei sein konnten. Gesprochen habe ich mit Sandra (Kosketus), Otti und Kat Kristall und diese Folge ist beinahe ungeschnitten. Nächster Livestream: 03.04. um 20:30 Uhr

Bryndís Sigurðardóttir, smitsjúkdómalæknir á Landspítalanum, Guðbjörg Pálsdóttir, formaður Félags íslenskra hjúkrunarfræðinga og Otti Rafn Sigmarsson, varaformaður Landsbjargar og félagi í björgunarsveitinni Þorbirni voru gestir í vikulokin. Rætt var um óvissustig í Grindavík vegna landriss og skjálftavirkni, áhrif á íbua og álag á björgunarsveitir; Wuhan-veirusmit, varnir og viðbrögð og kjaramál. Umsjón: Anna Kristín Jónsdóttir Tæknimaður: Ragnar Gunnarsson

Bryndís Sigurðardóttir, smitsjúkdómalæknir á Landspítalanum, Guðbjörg Pálsdóttir, formaður Félags íslenskra hjúkrunarfræðinga og Otti Rafn Sigmarsson, varaformaður Landsbjargar og félagi í björgunarsveitinni Þorbirni voru gestir í vikulokin. Rætt var um óvissustig í Grindavík vegna landriss og skjálftavirkni, áhrif á íbua og álag á björgunarsveitir; Wuhan-veirusmit, varnir og viðbrögð og kjaramál. Umsjón: Anna Kristín Jónsdóttir Tæknimaður: Ragnar Gunnarsson

Bryndís Sigurðardóttir, smitsjúkdómalæknir á Landspítalanum, Guðbjörg Pálsdóttir, formaður Félags íslenskra hjúkrunarfræðinga og Otti Rafn Sigmarsson, varaformaður Landsbjargar og félagi í björgunarsveitinni Þorbirni voru gestir í vikulokin. Rætt var um óvissustig í Grindavík vegna landriss og skjálftavirkni, áhrif á íbua og álag á björgunarsveitir; Wuhan-veirusmit, varnir og viðbrögð og kjaramál. Umsjón: Anna Kristín Jónsdóttir Tæknimaður: Ragnar Gunnarsson

Cristina und Otti von den 4 von hier sprechen mit Adel Tawil über sein neues Album, sein Kind, die anstehende Tour und die Parties danach und eine Atombombenwarnung.

Otti von den 4 von hier am Morgen spricht mit Johannes Oerding über seine vielen Hüte, seinen Optimismus, Sing mein Song und den Radio Regenbogen Award.

Tervolasta kotoisin oleva Karoliina Keskikallio alkoi yrittäjäksi 13-vuotiaana. Yrittäjyys on opettanut hänelle muun muassa rahankäyttöä ja vastuullisuutta. Tärkeintä hänen mielestään on kuitenkin into ja rohkeus kokeilla. "Jos on rohkeutta, mutta ei osaa ottaa vastuuta, niin siihen oppii kyllä", hän kannustaa.

Der sympathische Sänger und Songwriter Wincent Weiss spricht im Interview mit Cristina und Otti von den Vier von hier über sein neues Album, seinen schönsten Moment beim Radio Regenbogen Award und verrät außerdem, wie wichtig seine Mutter für ihn ist.

Jostakin syystä Jumala suostui lyömään Jobin uskosta vetoa Saatanan kanssa: uskoisiko Job häneen myös menetettyään kaiken? Ja niin sitten katastrofi toisensa jälkeen iski Jobin elämään. Onko Herra ehkä lyönyt vetoa sinunkin uskostasi taivaan torilla?

Wenn der Franke Michl Müller auf der Bühne loslegt, sind Lachtränen und Bauchmuskelkrämpfe garantiert. Mit Programmen wie „Jetzt erst recht“ und „Das wollt´ ich noch sagen…“ ist der Künstler in die Kabarett-Elite aufgestiegen. Michl Müller steht seit Ende der 1990er auf der Bühne. Bekannt wurde er durch Auftritte in den TV-Sendungen „Fastnacht in Franken“ und „Otti´s Schlachthof“. Müller hat es sich zur Aufgabe gemacht, in Eigentherapie über sein Leben zu erzählen. Damit spart er nicht nur Geld für den Therapeuten, er bekommt sogar noch Geld fürs Erzählen. Denn keiner will den selbsternannten „Dreggsagg“ verpassen. Der Erfinder des „Fränkisch Walking“ bringt seinen Mitmenschen die Absurditäten des realen Lebens näher. Mit viel Witz und verrückten Pointen begeistert Michl Müller nun schon seit Jahren sein Publikum. Längst gehört er zu den bekanntesten Vertretern Frankens und ist deutschlandweit unterwegs. Über 160 Auftritte pro Jahr sorgen für ständige Unterhaltung.

Bist Du schon mal über glühende Kohlen gelaufen? Oder über Glasscherben? Ich war vor 2 Wochen zum zweiten Mal an einem Feuerlaufkurs. Wir sind zuerst über Glasscherben gelaufen und anschliessend über glühende Kohlen. Zum Abschluss habe ich mich von Otti sogar zu einem Tanz auf den glühenden Kohlen verführen lassen. In der heutigen Podcastfolge lade ich Dich zu einem Gespräch mit Otto Gerber ein. Er ist einer von Europas dienstältesten Feuerlaufleitern und veranstaltet seit mehr als 30 Jahren Feuerlaufkurse in der Schweiz. Er teilt mit uns, wie er zum Feuerlaufen gekommen ist, wie er es selber ausprobiert hat und warum er so gerne Feuerlaufseminare  veranstaltet. Komm einfach mit zum Gespräch und hör Dir selber an,

Christina Klee und Otti von den 4 von hier sprechen mit Alec und Sascha von Boss Hoss über das neue Album, das eigene Bier, die Regeln im Tourbus und musikalische Kinder.

Otti von den Radio Regenbogen "Vier von hier" spricht mit Joris über sein neues Album, die Regeln im Tourbus, sein Studium in Mannheim und seine neue Tour.

"Mehed ei nuta" peateemad 24. juulil: - Miks põrusid Eesti vehklejad MM-i individuaalvõistlusel ja jalgpalliklubid eurosarjas? - Kas jalgpall on tõesti kerkinud Eesti enimvaadatavaks spordialaks? - Kelly Sildaru läheb järgmisele olümpiale kolme kulla järele? - Eesti (klubi)korvpallis kollektiivne vaikelu? - Kas Peebul on lootust Soome rallil lõpuks Otti poodiumil näha? - Kas vastse peasekretäri Martten Kaldvee eesmärk - Eesti laskesuusataja 2026. aasta olümpial poodiumile - on realistlik?

- Heute "Dave solo" und ein Crossover mit Daves Lifehack Podcast da Otti leider krank ist - heutiges Thema heute ist Spam - Verschiedene Arten von Spam: - Verkauf von Produkten (und Körperteilverlängerung ;-) - Ransomware (Erpressungstrojaner) - Klassische Trojaner um Passwörter und Banking-Accounts zu bekommen - Trojaner für Botnetzwerke um wiederum Spam zu verschicken: https://de.wikipedia.org/wiki/Ransomware - Spam Mails zur Geldwäsche: http://www.spiegel.de/netzwelt/web/geldwaesche-angebote-spammer-lieben-den-abschwung-a-596682.html - Leider immer mehr Spam aus Deutschland von (vermeintlich) renomierten Firmen. - Beschwerden über Spam: https://www.internet-beschwerdestelle.de für deutsche Absender (bzw. Spam-Versender mit Deutschem Impressum) - Einfacher Tipp gegen Spam: Catch-All-Email-Adressen - Funktioniert auch gut mit Google Mail Accounts: https://www.heise.de/ct/hotline/Wegwerf-Adressen-mit-Gmail-3149964.html - Vorbeugen: Immer die Software aktuell halten und niemals Anhänge öffnen

- Heute "Dave solo" und ein Crossover mit Daves Lifehack Podcast da Otti leider krank ist - heutiges Thema heute ist Spam - Verschiedene Arten von Spam: - Verkauf von Produkten (und Körperteilverlängerung ;-) - Ransomware (Erpressungstrojaner) - Klassische Trojaner um Passwörter und Banking-Accounts zu bekommen - Trojaner für Botnetzwerke um wiederum Spam zu verschicken: https://de.wikipedia.org/wiki/Ransomware - Spam Mails zur Geldwäsche: http://www.spiegel.de/netzwelt/web/geldwaesche-angebote-spammer-lieben-den-abschwung-a-596682.html - Leider immer mehr Spam aus Deutschland von (vermeintlich) renomierten Firmen. - Beschwerden über Spam: https://www.internet-beschwerdestelle.de für deutsche Absender (bzw. Spam-Versender mit Deutschem Impressum) - Einfacher Tipp gegen Spam: Catch-All-Email-Adressen - Funktioniert auch gut mit Google Mail Accounts: https://www.heise.de/ct/hotline/Wegwerf-Adressen-mit-Gmail-3149964.html - Vorbeugen: Immer die Software aktuell halten und niemals Anhänge öffnen

Heute reden wir über Probleme die uns die Updates und Softwareaktualisierungen bereiten - Zuerst der Klassiker: Windows-Updates im Vergleich zu Mac-Updates - Updates bei Navigation im Auto zu hohen Kosten - bis zu sechs Stunden Wartezeit bei laufendem Motor für das Updates - Zerschossenes Handy durch Android Updates - Otti leidet unter der Sendersuche bei neuen Updates des Fernsehers - Dave erzählt Horrorgeschichten über Playstation 3 Updates - Komplett neues Userinterface bei Microsoft Office - Langsame iPhones nach iOS Updates - Katastrophe bei Amazaon Prime Video: Absichtliche Sabotage durch Updates - Am Ende sprechen Otti und Dave noch darüber, wie Updates eigentlich aussehen sollten

Dave hat ein neues Handy: Xiaomi Redmin 4 und ist sehr zufrieden (mehr dazu in der nächsten Folge) Otti hofft darauf, dass sein iMac durchhält Dave regt sich über Filmkäufe auf. Weil blu-rays oft billiger sind, als die Streaming-Angebote. Schön wäre ein Freischaltcode für gängige Dienste wie Amazon oder Netflix Otti hat Probleme mit seinem WLan im Haus der Fritz Repeater funktioniert nur schlecht und ist auf dLan umgestiegen. Hier hat er ein Gerät von Devolo getestet. Hier ist die Verbindung ausreichend, aber es werden verschiedene Funknetze mit jeweils anderen SSIDs aufgespannt, so dass die Benutzung nicht wirklich Spaß macht Dave hat auf eine Bannerwerbung geklickt, weil ihn das Produkt interessiert, nur um festzustellen, dass er zur Registrierung aufgefordert wird und keinen Zugriff auf das Produkt hat. Der heiße Scheiß... Neues Spielzeug für Otti, die Kamera DJI OSMO

Wir reden hier über die Probleme, die Otti mit seinem iMac hat, über Update-Stress auf Android (Cyanogenmod) und über Staubsauger (okay, eigentlich Wischsauger)

Introduction: Kelly Coughlin is CEO of BankBosun, a management consulting firm helping bank C-Level Officers navigate risk and discover reward. He is the host of the syndicated audio podcast, BankBosun.com. Kelly brings over 25 years of experience with companies like PWC, Lloyds Bank, and Merrill Lynch. On the podcast Kelly interviews key executives in the banking ecosystem to provide bank C-Suite officers, risk management, technology, and investment ideas and solutions to help them navigate risks and discover rewards.   And now your host, Kelly Coughlin.   Kelly: Good morning. This is Kelly Coughlin. I've got David Shoemaker on the line. We’re going to do a podcast with David. He's the President of Equias Alliance.   David: Good morning.   Kelly: Good morning David. How you doing?   David: I am well.   Kelly: Just to kind of lay the foundation here I thought we’d talk very briefly about my relationship with David and Equias. As David knows, I'm a CPA. I've been in the investment and banking ecosystem for many years and as part of a consulting gig about a year and a half ago I came across the BOLI industry, the bank owned life insurance industry, and then Equias Alliance. I decided at that time, after looking at this asset class, that this is a space I wanted to get into. And I looked at the competitors, once I decided I liked the product, and decided who are the competitors, Equias, in my mind, rose above everybody else out there.     It wasn’t just me that thought that. I believe American Bankers Association selected Equias as their endorsed vendor. I think another dozen or state banking associations also selected them. Is that a fair statement?   David: Ten of them.   Kelly: Ten, clearly they emerged in my mind and in other’s mind as the key player out there. I met with David and I found him to be a key player in the industry, so I thought I'd do a podcast disclosing that I have an independent consultant relationship with David’s company, Equias. I thought we’d do a podcast and talk about first of all just give us a brief background on who you are, how you got into this space, some background and then we’ll talk about the product generally and how you got into this space and what your take is on that. You want to kick it off with some brief bio on who you are?   David: I graduated from the University of Tennessee, Knoxville with a Bachelor of Science in Business Administration, with a major in accounting, then worked for Deloitte Touche for nine years and an investment banking firm for three years. Then, while I was in investment banking, one of my clients was looking at an insurance product and asked me to help evaluate it knowing that I was a CPA technical type.     I liked what I saw, but what I didn’t like was that, it had a four percent front-end load charge. I thought it was a good asset class, but if we could get rid of the load charge we could make it very viable for banks to want to use as an asset class. I've been in bank owned life insurance and nonqualified differed comp for the last twenty-seven years now. I've worked with hundreds of banks over that period of time. I live in Memphis. I have a wife and six children. There’s a lot to do on a daily basis just keeping up with the family.   Kelly: All right, taking from your statement that you saw what was going in the market, the four percent front-end load. Let's elaborate on that because my understanding based on discussion with others including yourself is that you were one of the early pioneers of crafting the product offering as it is right now. What was the need in the market at that time? Give us a general year when that was. Then, where was the gap in products available and the products needed by the bank? What did you see at that time?   David: The year was 1989. There were several products available in the market, but they all had loads of between two and four percent. That means if you purchased a million dollars of BOLI asset and you had even a two percent load that was a $20,000 initial reduction of your cash value. You’d have to reduce your earnings and capital by $20,000 per million. I saw that as a hindrance to banks wanting to buy that asset.     So my partner at the time, who was an attorney, and I decided we could go to insurance carriers and see if they could provide a product that had no-loads which would be more viable for a bank. During that process we found that there's more to it than we’d initially understood. The carriers have to pay a premium tax to the state which generally averages about two percent. Then the federal government has a tax called the DAC or Deferred Acquisition Cost tax that effectively costs around a point and a quarter.     Carriers at time were not comfortable with essentially front ending that asset to give a hundred percent credit after they paid the taxes because they would potentially lose the money if the policy didn’t remain on the books. It took a fair amount of discussion and a fair amount of time, but my partner and I were able to convince four carriers to do no-load contracts.     At that time, I guess there were two other firms that we knew of in the business. They were Bank Compensation Strategies who pioneered the business and then there was Benmark. They were the primary players in, it wasn’t called BOLI then, the bank owned life insurance market. The need for it was to find a product that was viable to banks that didn’t have these loads charges and the idea behind it, back in that day, was primarily to fund nonqualified, deferred compensation plans for management and Boards of banks.   Kelly: That was the primary need for the product, not as an investment per se, but to help fund the nonqualified benefit portion.   David: Yes, to maybe take it a step further. There were not really any regs back until 1991 that were clear as to what a bank could purchase and couldn’t purchase. They could not buy life insurance as an investment asset. They could buy it to fund specific needs. A nonqualified, deferred comp plan was widely considered to be one of those specific items that could be funded with life insurance. It was not clear at the time that you could buy life insurance to informally fund health care and 401K and other retirement benefits and group life benefits and so forth.     Even in the first regs that were issued in 1991, bank reg; I think it’s called BC249, essentially said that you can’t buy life insurance as an investment. You can buy it to offset the cost of certain benefit plans. Even then it wasn’t clear whether that covered health care and 401Ks and things like that, so the initial design of bank owned life insurance was primarily for the purpose of nonqualified deferred compensation plans.   Kelly: The regs specifically prohibited it as an alternative investment asset class. Is that mainly because of that front-end charge and regulators didn’t want to see the hit to capital?   David: That was not the reason. They just viewed life insurance as not a normal asset for a bank from an investment standpoint. It was for specific purposes, but not considered to be an investment in the same terms as Treasury’s and agencies and municipal bonds.   Kelly: Now, that has changed since those early years correct that regulatory perspective?   David: Technically no, in 1996 there was a guidance issued under OCC96-51 which specifically gave authority for a bank to buy life insurance to informally fund retirement benefits and health care. So even today you can't buy life insurance purely as an investment. You have to purchase it from a regulatory standpoint to offset and/or recover the cost of employee benefit plans.     For instance, if a bank had no employee benefit plans; if they weren’t providing health care or 401K’s or retirement plans or nonqualified plans, they really could not buy life insurance and hold onto it until the death of the insured because they would not have a valid reason under the regs to buy that life insurance.   Kelly: They could only buy like Key Man life insurance.   David: They could buy the Key Man, but when that Key Man would leave the bank they’d have to surrender the policy because there was no need for it once that key man left.   Kelly: A bank does not have to have a nonqualified benefit plan. It could just have any sort of benefit plan. It could be health insurance. It could be 401K, any sort of benefit, correct?   David: That's correct, as long as they're providing employee benefits. From experience, if a bank provides health care coverage typically the cost of health care in today’s market is so high that health care alone is enough to justify buying bank owned life insurance generally up to twenty-five percent of capital.   Kelly: Right, so do you see BOLI as primarily an alternative asset class or an insurance product with investment benefits or does it kind of depend on what the needs of the bank are?   David: I would say it depends on the needs of the bank. I'd say it probably leans more toward the alternative asset class in that you look at the features of bank owned life insurance as a tool to produce earnings that would help the bottom line and help recover employee benefit expenses. BOLI has features that are attractive from that standpoint.   Kelly: As an alternative asset class, and I know you and I've had this discussion offline a couple times, if you consider the investment features as an alternative asset class what asset class does BOLI compete against best or worst I suppose? Where do you think, if you were a bank and they liked the features and benefits of BOLI and they need as a replacement. What asset do you think it replaces best MUNI’s, agencies, loans? As I see it, it could be a loan to an insurance company. Where do you see it?   David: It's hard to say that BOLI replaces any particular investment because the features are different than all the other asset classes that are traditional for a bank. If you go down that path and talk about, for instance, BOLI versus MUNI’s there is some common characteristics in that they both have income that's not taxable that helps produce generally higher returns than most taxable asset classes.     There are a lot of differences in those two asset classes, for instance, MUNI’s generally have a fixed rate interest rate, whereas BOLI is an adjustable interest rate. The credit quality of both are high. The BOLI carriers tend to be large, very well-known, highly rated carriers, so very strong credit quality. BOLI has no mark to market in the asset, that in reporting periods whereas municipal bonds generally have to do a mark to market of capital through the OTTI adjustment. BOLI essentially doesn’t have a diminution of value when rates rise whereas municipal bonds could.     Now, from the value of municipal bonds relative to BOLI is that it's always tax-free rather than tax deferred. BOLI’s tax deferred technically, but if held until death its tax free. If you surrender a BOLI contract before maturity, before the person dies, you have a tax liability for the gain plus an extra ten percent for the it’s called a modified endowment contract penalty. BOLI effectively has minimal liquidity from the standpoint of once you buy it you intend to hold it until death, because you don’t want to incur the tax liability.     Whereas a municipal bond if you decided to sell that you would still retain all the income that you've earned to that point tax free. Sometimes banks put municipal bonds in the hold to maturity buckets so they can't really sell the bond; it becomes an illiquid asset for them as well. There's some pros and cons to each, but BOLI does hold up well generally considering the pros and cons of it to any of the asset classes.   Kelly: But, especially MUNI’s.   David: Yes, I think from that standpoint rather than one versus the other it might be some combination of the two for diversification.   Kelly: From my perspective, I see MUNI yields to get higher yield you have to extend duration, so you look at the risk of extending duration versus investing some assets in bank owned life insurance. I've only been doing this for a year now. It’s seems that like half the banks have BOLI on the balance sheet and half don’t.     From my perspective, it's kind of a CPA, risk manager, investment person I don’t really see why a bank wouldn’t max out their twenty-five percent of net capital. Now, that sounds pretty self-serving I know, but in your experience what's the single biggest reason for a bank to not include BOLI in its assets class, because there certainly is a reasonable amount of bias and hesitancy for Boards and CFO’s to get BOLI. What's the single biggest reason that you see for a bank to not include it in their asset class?   David: The stats on BOLI are that sixty percent of the banks across the country have BOLI and forty percent don’t. For banks over a hundred million it's about two-thirds that have BOLI and one-third that don’t. It’s fairly common for banks above one hundred million to have an investment in bank owned life insurance. For those that don’t, it generally falls into one of two to three reasons.     Probably the most prevalent is a bank that has high loan demand. The bank wants to make loans to its local market because that helps build franchise value. If they have high loan demands, say their loan to deposit ratio is over a hundred percent, they may not have the liquidity to hold BOLI at the current time. All their attention and all their liquidity is going into making loans. While BOLI competes with loans well on the yield side, the tax equivalent yield side, banks tend to want to have loans for building the franchise value versus owning bank owned life insurance. If they have the option, they're going it put it into loans rather than BOLI assuming they feel comfortable with the credit quality of those loans. That's probably the biggest reason.     Number two is that some banks don’t fully understand the asset, haven’t taken the time to fully understand it. The pros and cons and features of BOLI is not traditional with a lot of banks. There's this uncertainty about something that's not traditional. They may think “We haven’t done that before and I don’t want to take the time to learn pros and cons.” Maybe they’ve had a presentation and it wasn’t presented in a way that made it clear what the pros and cons are. They maybe saw it as too much of a sales push instead of laying out all the pros and all the cons kind of thing.     Keep in mind that for BOLI to be approved by a bank it generally requires a hundred percent agreement, meaning you must have the CFO of the bank, the CEO of the bank and usually everybody on the Board to be in unison that they want to buy BOLI. You can have one person dissent out of ten, for instance, and that could keep it from happening.   Kelly: Why is unanimity required?   David: It’s not required. It's just generally the way it is. First off, if you don’t have the CEO and CFO on board it probably won't go to the Board. You need both of them. The Board, they normally just don’t want BOLI to be something that causes dissention among the Board members. That's not always the case, but typically they need all Board members or at least eighty to ninety percent approval before they would invest in the asset. I haven’t really run into it, but I don’t think you’ll see BOLI being approved on a five to four vote.   Kelly: Yeah, but that would be true with just about any asset class. Let's say the bank wanted to, the CFO proposed extending duration. Don’t you think that unanimity would be expected or the same standard would be expected for that decision to extend municipal bond duration versus like in a BOLI decision?   David: Yes, I would think so. On investments they have their investment policy that's been approved by the Board and that decision would have to be made within the investment policy about extending duration. Yes, I would think you would need a very high approval rate of the Board members before you would change the investment the policy to do something that effectively increases the risk.   Kelly: Do you see BOLI as being subject to…say within the scope of the banks investment policy in your experience?   David: No, BOLI has its own policy. One of the requirements under the regs is that you have to have a BOLI policy before you can purchase it. You would establish a bank owned life insurance policy; in a sense it's an investment policy for BOLI all to its own. It explains within the policy the bank’s view of BOLI; the percentage of capital that the bank would be willing to purchase; the percent to any one carrier; the due diligence that would be done before purchase; carrier selection; vendor selection. How would they go about deciding which carriers, which vendors and so forth? That all has to be documented in a policy before the bank can even go about purchasing a BOLI product.   Kelly: The bank either includes that as a chapter within the investment policy or they have it as its own separate investment policy.   David: I have pretty much only seen it as its own separate policy. If they include it within the investment policy it would be its own chapter. It's fairly lengthy. It's usually ten - fifteen pages of policy all to itself.   Kelly: How has the industry changed since the early years?   David: In the early years, I guess from a salesperson’s standpoint the hard part was to get a bank to talk to you about BOLI because it just wasn’t common and owning life insurance as an asset was not normal. It was outside the box and a lot of bankers didn’t want to discuss doing something that was outside the box. The biggest hurdle was getting the audience.     Today, most banks know about BOLI so they've heard about it and they have had many, many sales calls about it. Other banks they know have purchased it, so they understand at least the term and what it is. Now, there are just a whole lot of sales calls from insurance sales folks asking about BOLI. They're aware of it. It's just very, very competitive and maybe difficult for the bankers to understand the difference in firm A versus firm B.     The other way that's changed, when I started doing this the only products available were what's called general account products where the carrier provides a universal life insurance product or some whole life products that have an interest rate or dividend rate. Then the main risk to the bank was a carrier’s credit whether the carrier would be able to pay the claim later. Today, you have not only general account which are still very popular, but since then there's been a lot of purchases of what is called hybrid separate account products and also variable separate account products.     Variable separate account products are where the assets are segregated from creditors somewhat like a mutual fund. The bank can choose to invest the money within a particular investment bucket; although, for a bank it as to be eligible investments unless it's used as a hedge against a deferred comp plan. Those have some higher risk features, a little bit more moving parts. They have a stable value wrap sold by a registered product or private placement memorandum and so they're more complicated. Most community banks shy away from those because of the complications and the mark to market within the portfolio.     Then, there's a hybrid separate account product that has features very much like a general account. It has an added credit enhancement that if the carrier were to ever become insolvent the assets within the separate account by legal definitions are segregated from creditors of the insurance carrier so that those assets would only be available to the policy holders. These new asset classes have been pretty popular and have essentially enhanced the options for banks to buy bank owned life insurance.   Kelly: The first generation of BOLI was the general account, no-load product and then the second generation would be some of these the hybrid accounts and some of these more sophisticated product structures. But the core concept was the same, right?   David: That's correct, basically similar structure from a standpoint of no loads, no surrender charges, single premium, just a difference in the chassis if you will.   Kelly: Right, the risk sharing to a certain extent, right, because was the separate account available back then in the early years?   David: You could buy a separate account that was called variable universal life. It was a shelf product, but banks really didn’t buy it then because you had mark to market. Say it was all in a bond fund but the interest rates went up and the value of the bond fund went down five percent you’d have to take an immediate mark to market on your balance sheet and income statement. That was not very attractive to a buyer. If you're a bank you don’t want that kind of volatility on your income statement.   Kelly: Even though that's the nature of a municipal bond portfolio, they have to mark those.   David: A municipal bond portfolio they mark to market, but not through the income statement. They mark to market through the capital account.   Kelly: Right.   David: It doesn’t flow through income.   Kelly: Right.   David: Whereas if you were to do the same thing in a variable universal life insurance contract and have that mark to market risk you’d have to mark that through your income statement because the cash value is changing.   Kelly: One of the things that I noticed about Equias, again this sounds somewhat self-serving, but I’ll say it anyway. This relates to the industry changes. When I see Equias, it just seems to be a highly professional organization. I think eighteen consultants and thirty some support personnel and I believe seven CPAs and a bunch of attorneys, MBA’s that kind of thing. It just seems that one of the things that appears to have happened with Equias having emerged as the key player is the element of professional consulting capabilities versus I would suspect in the early years, and currently, many of potentially our competitors, it's mainly a bunch of insurance guys, right, trying to sell product?  I would think in the early years that's what it was all about, insurance guys trying to sell insurance to a new market…banks.   David: Yes, there was a lot of that. The business model that Equias developed was this is not an area that banks have a lot of expertise in and that they need support services so that they can spend a minimal amount of their time dealing with the technical stuff and don’t have to pay a lot to CPA firms and law firms to help them through the process.     We set up the firm with the idea that we could provide those services at costs that are competitive with anybody in the marketplace. Through volume we could provide more services and all the technical services that a bank would need, but do it in a very cost effective way. That’s where we actually have eight CPAs and two attorneys and a former OCC regulator, former bankers, bank directors, and a former head of the BOLI area for one of the major insurance carriers.     We've staffed our firm with very, very experienced, competent, technical people including the consultants are all very experienced, so that we could be a real asset to the banks. It'd be hard for our competitors to match our knowledge and experience and to duplicate what we can do.   Kelly: One of the things that got my attention was I think you're one of the few that has a SOC 1, Type 2 audit. Not many insurance “agencies” have that kind of thing going on. That was a good plus in my mind with you guys.   David: Yeah, it covers our implementation process, as well as our administration process, and covers not only the BOLI side of it, but covers the nonqualified benefits side. We’ve set up internal controls when we established the company and we followed those controls. We've been able to go through the audit process very efficiently and effectively.   Kelly: I’ll probably be criticized for this being an infomercial for Equias, but what the heck. That's what we can do. All right let's finish with one final thing. I’ll give you the choice. This is a question I ask every guest either your favorite quote or, what I like the best, is tell us what one of the stupidest things you’ve said or done in your business career.   David: One of the early days in my career I remember having gone to this bank to explain BOLI and the nonqualified plans probably for the seventh or eighth time. Some of the Board members were wearing out with me coming back almost it seemed like every month. One of the Board members, who was an attorney, when I came back this time she just looked and “Oh no, not you again.” I said, “Yeah.” She said, “Look, if I vote for this, does that mean you won't come back and you'll leave us alone?” I said, ‘You’ve got my word on that.” I guess in that case persistence paid off.   Kelly: It's good, yeah.   David: It wasn’t one of those real positive “I'm glad to see you” kind of moments.   Kelly: That's right; you got the deal done though.   David: Yeah, I was able to get it done through persistence, not through the sales process really.   Kelly: Yeah, that's good. All right, David, thanks for your time. I appreciate it.   We want to thank you for listening to the syndicated audio program, BankBosun.com The audio content is produced by Kelly Coughlin, Chief Executive Officer of BankBosun, LLC;  and syndicated by Seth Greene, Market Domination LLC, with the help of Kevin Boyle. Video content is produced by The Guildmaster Studio, Keenan Bobson Boyle. The voice introduction is me, Karim Kronfli. The program is hosted by Kelly Coughlin. If you like this program, please tell us. If you don’t, please tell us how we can improve it. Now, some disclaimers. Kelly is licensed with the Minnesota State Board of Accountancy as a Certified Public Accountant.   Kelly provides bank owned life insurance portfolio and nonqualified benefit services to banks across the United States.  The views expressed here are solely those of Kelly Coughlin and his guests in their private capacity and do not in any other way represent the views of any other agent, principal, employer, employee, vendor or supplier of Kelly Coughlin.  

Für den heutigen Podcast haben sich David und Sascha als Gast Otti von Geeklike.de eingeladen. Zu dritt berichten die drei von ihren bisherigen The Division Beta Erfahrungen. So verbrachte Sascha unter anderem schon Zeit mit der Alpha, während David und Otti erst mit der Closed Beta einstiegen. Welche Erfahrungen die drei Agenten in der Beta machten, erfahrt ihr in Folge 203 des Podcast. Hinweis: Im Podcast findet nur die Closed Beta Beachtung. Diese Episode wurde vor der Open Beta aufgenommen. In der Open Beta gab es zusätzliche Spielelemente. Folge #203: Folge #203: The Division Preview - Download: Wie üblich könnt ihr euch den Podcast via iTunes laden, über euren favorisierten Podcatcher oder auch im MP3-Format auf dieser Seite. Über Feedback und Kommentare freuen wir uns wie immer auf highscore-heroes.de

Som mest tränade Matilda Andersson femton pass i veckan. En dag utan träning var inte möjlig. Det hon idag förstår var en sjukdom såg hon inte när hon var mitt i det. Idag pratar via om ortorexi i Gränslöst. Mariann Lörstrand som arbetar som sjukgymnast brukar möta på den här typen av patienter. Ofta tycker hon det är svårt att se att det är just ortorexi patienten lider av. Niinko enniiten Matilda Andersson träänasi viistoista kertaa viikossa. Päivä ilman trääninkiä ei ollu maholista. Sen mitä hän tänäpäivänä ymmärtää oli se ette se oli saihraus mutta ei nähny sitä ko hän oli itte tässä ruljansissa. Tänhään met puhuma ortoreksiistä Gränslösissä. Mariann Lörstrand oon töissä sjukgymnastina ja kohtaa tämän tyypisiä pasiänttiä, ja tykkää joskus ette se oon vaikea nähjä ette se oon justhiin ortoreksi joka on vaivana.