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In Episode 119 of the Award Travel 101 podcast, Mike and Maria kick things off with a community highlight from Paul, who shared his unique travel ritual of getting haircuts abroad to experience local culture. This sparked a lively discussion, with other members mentioning grocery stores, tattoos, children's books, and grooming services as ways to engage with destinations more deeply. The hosts then dove into news: Chase's 100K Sapphire Preferred offer is ending soon, Alaska Airlines added Philippine Airlines as a partner, Amex and Chase paused Emirates transfers temporarily, and Hyatt launched a lucrative promo for Under the Canvas stays.The main feature covered “Disappearing Sweet Spots” amid ongoing devaluations in award charts. While many programs have raised prices or introduced dynamic pricing (like JAL and Lufthansa), there are still valuable redemptions to be had. ANA's RTW awards remain competitive, and Cathay Pacific has been reliably releasing premium cabin awards despite eliminating its chart. Maria emphasized the importance of diversifying points currencies to navigate future changes. The episode closed with a timely tip: use Rakuten's 15% Big Give Week and the AA shopping portal to stack points on Mother's Day purchases.Links to Topics DiscussedChase Sapphire Preferred Elevated OfferAlaska Adds Philipine Airlines as a Booking PartnerChase & Amex Pause Transfers to EmiratesHyatt Under the Canvas PromoMaria Points The Way - Cathay & JAL ChangesWhere to Find Us The Free 110k+ member Award Travel 101 Community. To book time with our team, check out Award Travel 1-on-1. You can also email us at 101@award.travel Our next meetup will be May 16-18, 2025 in Chicago! Tickets are SOLD OUT and the waitlist is exhaused but stay tuned for news about our next meetup! Our partner CardPointers helps us get the most from our cards. We love being able to automatically add all of our offers and quickly seeing the best card to use for every purchase. Signup today at https://cardpointers.com/at101 for a 30% discount on annual and lifetime subscriptions! Lastly, we appreciate your support of the AT101 Podcast/Community when you signup for your next card! Technical note: Some user experience difficulty streaming the podcast while connected to a VPN. If you have difficulty, disconnect from your VPN.

1UNITED STATES BANKRUPTCY COURTSOUTHERN DISTRICT OF TEXASHOUSTON DIVISIONIn re:INTRUM AB, et al.,1Debtors.Chapter 11Case No. 24-90575 (CML)(Jointly Administered)NOTICE OF APPEALPursuant to 28 U.S.C. § 158(a) and Federal Rules of Bankruptcy Procedure 8002 and 8003,notice is hereby given that the Ad Hoc Committee of holders of 2025 notes issued by Intrum AB(the “AHC”) hereby appeals to the United States District Court for the Southern District of Texasfrom (i) the Order Denying Motion of the Ad Hoc Committee of Holders of Intrum AB Notes Due2025 to Dismiss Chapter 11 Cases Pursuant to 11 U.S.C. § 1112(b) and Federal Rule ofBankruptcy Procedure 1017(f)(1) (ECF No. 262) (the “Motion to Dismiss Order”) and (ii) theOrder (I) Approving Disclosure Statement and (II) Confirming Joint Prepackaged Chapter 11Plan of Intrum AB and Its Affiliated Debtor (Further Technical Modifications) (ECF No. 263) (the“Confirmation Order”). A copy of the Motion to Dismiss Order is attached as Exhibit A and acopy of the Confirmation Order is attached as Exhibit B. Additionally, the transcript of theBankruptcy Court's oral ruling accompanying the Motion to Dismiss Order and ConfirmationOrder (ECF No. 275) is attached as Exhibit C.Below are the names of all parties to this appeal and their respective counsel:1 The Debtors in these Chapter 11 Cases are Intrum AB and Intrum AB of Texas LLC. The Debtors'service address in these Chapter 11 Cases is 801 Travis Street, Ste 2101, #1312, Houston, TX 77002.Case 24-90575 Document 296 Filed in TXSB on 01/13/25 Page 1 of 62I. APPELLANTA. Name of Appellant:The members of the AHC include:Boundary Creek Master Fund LP; CF INT Holdings Designated Activity Company; CaiusCapital Master Fund; Diameter Master Fund LP; Diameter Dislocation Master Fund II LP; FirTree Credit Opportunity Master Fund, LP; MAP 204 Segregated Portfolio, a segregated portfolioof LMA SPC; Star V Partners LLC; and TQ Master Fund LP.Attorneys for the AHC:QUINN EMANUEL URQUHART & SULLIVAN, LLPChristopher D. Porter (SBN 24070437)Joanna D. Caytas (SBN 24127230)Melanie A. Guzman (SBN 24117175)Cameron M. Kelly (SBN 24120936)700 Louisiana Street, Suite 3900Houston, TX 77002Telephone: (713) 221-7000Facsimile: (713) 221-7100Email: chrisporter@quinnemanuel.comjoannacaytas@quinnemanuel.commelanieguzman@quinnemanuel.comcameronkelly@quinnemanuel.com-and-Benjamin I. Finestone (admitted pro hac vice)Sascha N. Rand (admitted pro hac vice)Katherine A. Scherling (admitted pro hac vice)295 5th AvenueNew York, New York 10016Telephone: (212) 849-7000Facsimile: (212) 849-7100Email: benjaminfinestone@quinnemanuel.comsascharand@quinnemanuel.comkatescherling@quinnemanuel.comB. Positions of appellant in the adversary proceeding or bankruptcy case that isthe subject of this appeal:CreditorsCase 24-90575 Document 296 Filed in TXSB on 01/13/25 Page 2 of 63II. THE SUBJECT OF THIS APPEALA. Judgment, order, or decree appealed from:The Order Denying Motion of the Ad Hoc Committee of Holders of Intrum AB Notes Due2025 to Dismiss Chapter 11 Cases Pursuant to 11 U.S.C. § 1112(b) and Federal Rule ofBankruptcy Procedure 1017(f)(1) (ECF No. 262); the Order (I) Approving Disclosure Statementand (II) Confirming Joint Prepackaged Chapter 11 Plan of Intrum AB and Its Affiliated Debtor(Further Technical Modifications) (ECF No. 263); and the December 31, 2024 Transcript of OralRuling Before the Honorable Christopher M. Lopez United States Bankruptcy Court Judge (ECFNo. 275).B. The date on which the judgment, order, or decree was entered:The Motion to Dismiss Order and the Confirmation Order were entered on December 31,2024. The Court issued its oral ruling accompanying the Motion to Dismiss Order and theConfirmation Order on December 31, 2024.III. OTHER PARTIES TO THIS APPEALIntrum AB and Intrum AB of Texas LLCMILBANK LLPDennis F. Dunne (admitted pro hac vice)Jaimie Fedell (admitted pro hac vice)55 Hudson YardsNew York, NY 10001Telephone: (212) 530-5000Facsimile: (212) 530-5219Email: ddunne@milbank.comjfedell@milbank.com–and–Andrew M. Leblanc (admitted pro hac vice)Melanie Westover Yanez (admitted pro hac vice)1850 K Street, NW, Suite 1100Washington, DC 20006Telephone: (202) 835-7500Facsimile: (202) 263-7586Email: aleblanc@milbank.commwyanez@milbank.com–and–PORTER HEDGES LLPJohn F. Higgins (SBN 09597500)Case 24-90575 Document 296 Filed in TXSB on 01/13/25 Page 3 of 64Eric D. Wade (SBN 00794802)M. Shane Johnson (SBN 24083263)1000 Main Street, 36th FloorHouston TX 77002Telephone: (713) 226-6000Facsimile: (713) 226-6248Email: jhiggins@porterhedges.comewade@porterhedges.comsjohnson@porterhedges.comIV. OTHER PARTIES THAT MAY HAVE AN INTEREST IN THIS APPEALThe following chart lists certain parties that are not parties to this appeal, but that may havean interest in the outcome of the case. These parties should be served with notice of this appealby the Debtors who are aware of their identities and best positioned to provide notice.All Other Creditors of the Debtors, Including, But Not Limited To:• Certain funds and accounts managed by BlackRock Investment Management (UK)Limited or its affiliates;• Capital Four;• Davidson Kempner European Partners, LLP;• Intermediate Capital Managers Limited;• Mandatum Asset Management Ltd;• H.I.G. Capital, LLC;• Spiltan Hograntefond; Spiltan Rantefond Sverige; and Spiltan Aktiefond Stabil;• The RCF SteerCo Group;• Swedbank AB (publ).Any Holder of Stock of the Debtors• Any holder of stock of the Debtors, including their successors and assigns.Case 24-90575 Document 296 Filed in TXSB on 01/13/25 Page 4 of 65Respectfully submitted this 13th day of January, 2025.QUINN EMANUEL URQUHART &SULLIVAN, LLP/s/ Christopher D. PorterChristopher D. Porter (SBN 24070437)Joanna D. Caytas (SBN 24127230)Melanie A. Guzman (SBN 24117175)Cameron M. Kelly (SBN 24120936)700 Louisiana Street, Suite 3900Houston, TX 77002Telephone: (713) 221-7000Facsimile: (713) 221-7100Email: chrisporter@quinnemanuel.comjoannacaytas@quinnemanuel.commelanieguzman@quinnemanuel.comcameronkelly@quinnemanuel.com-and-Benjamin I. Finestone (admitted pro hac vice)Sascha N. Rand (admitted pro hac vice)Katherine A. Scherling (admitted pro hac vice)295 5th AvenueNew York, New York 10016Telephone: (212) 849-7000Facsimile: (212) 849-7100Email: benjaminfinestone@quinnemanuel.comsascharand@quinnemanuel.comkatescherling@quinnemanuel.comCOUNSEL FOR THE AD HOC COMMITTEE OFINTRUM AB 2025 NOTEHOLDERSCase 24-90575 Document 296 Filed in TXSB on 01/13/25 Page 5 of 6CERTIFICATE OF SERVICEI, Christopher D. Porter, hereby certify that on the 13th day of January, 2025, a copy ofthe foregoing document has been served via the Electronic Case Filing System for the UnitedStates Bankruptcy Court for the Southern District of Texas./s/ Christopher D. PorterBy: Christopher D. PorterCase 24-90575 Document 296 Filed in TXSB on 01/13/25 Page 6 of 6EXHIBIT ACase 24-90575 Document 296-1 Filed in TXSB on 01/13/25 Page 1 of 31IN THE UNITED STATES BANKRUPTCY COURTFOR THE SOUTHERN DISTRICT OF TEXASHOUSTON DIVISION)In re: ) Chapter 11)Intrum AB, et al.,1 ) Case No. 24-90575 (CML)))Jointly AdministeredDebtors. ))ORDER DENYING MOTION OF THE AD HOCCOMMITTEE OF HOLDERS OF INTRUM AB NOTES DUE 2025TO DISMISS CHAPTER 11 CASES PURSUANT TO 11 U.S.C. § 1112(B) ANDFEDERAL RULE OF BANKRUPTCY PROCEDURE 1017(F)(1)(Related to Docket No. 27)This matter, having come before the Court upon the Motion of the Ad Hoc Committee ofHolders of Intrum AB Notes Due 2025 to Dismiss Chapter 11 Cases Pursuant to 11 U.S.C. §1112(b) and Federal Rule of Bankruptcy Procedure 1017(f)(1) [Docket No. 27] (the “Motion toDismiss”); and this Court having considered the Debtors' Objection to the Motion of the Ad HocCommittee of Holders of Intrum AB Notes Due 2025 to Dismiss Chapter 11 Cases Pursuant to 11U.S.C. § 1112(b) and Federal Rule of Bankruptcy Procedure 1017(f)(1) (the “Objection”) andany other responses or objections to the Motion to Dismiss; and this Court having jurisdiction overthis matter pursuant to 28 U.S.C. § 1334 and the Amended Standing Order; and this Court havingfound that this is a core proceeding pursuant to 28 U.S.C. § 157(b)(2); and this Court having foundthat it may enter a final order consistent with Article III of the United States Constitution; and thisCourt having found that the relief requested in the Objection is in the best interests of the Debtors'1 The Debtors in these Chapter 11 Cases are Intrum AB and Intrum AB of Texas LLC. The Debtors' serviceaddress in these Chapter 11 Cases is 801 Travis Street, STE 2101, #1312, Houston, TX 77002.United States Bankruptcy CourtSouthern District of TexasENTEREDDecember 31, 2024Nathan Ochsner, ClerkCCaassee 2 244-9-900557755 D Dooccuummeennt t2 29662-1 F Filieledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 1 2 o of f2 32estates; and this Court having found that the Debtors' notice of the Objection and opportunity fora hearing on the Motion to Dismiss and Objection were appropriate and no other notice need beprovided; and this Court having reviewed the Motion to Dismiss and Objection and havingheard the statements in support of the relief requested therein at a hearing before this Court; andthis Court having determined that the legal and factual bases set forth in the Objectionestablish just cause for the relief granted herein; and upon all of the proceedings had beforethis Court; and after due deliberation and sufficient cause appearing therefor, it is HEREBYORDERED THAT:1. The Motion to Dismiss is Denied for the reasons stated at the December 31, 2024 hearing.2. This Court retains exclusive jurisdiction and exclusive venue with respect to allmatters arising from or related to the implementation, interpretation, and enforcement of this Order.DAeucegmubste 0r 23,1 2, 0210294CCaassee 2 244-9-900557755 D Dooccuummeennt t2 29662-1 F Filieledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 2 3 o of f2 3EXHIBIT BCase 24-90575 Document 296-2 Filed in TXSB on 01/13/25 Page 1 of 135IN THE UNITED STATES BANKRUPTCY COURTFOR THE SOUTHERN DISTRICT OF TEXASHOUSTON DIVISION)In re: ) Chapter 11)Intrum AB et al.,1 ) Case No. 24-90575 (CML)))(Jointly Administered)Debtors. ))ORDER (I) APPROVINGDISCLOSURE STATEMENT AND(II) CONFIRMING JOINT PREPACKAGED CHAPTER 11PLAN OF INTRUM AB AND ITS AFFILIATEDDEBTOR (FURTHER TECHNICAL MODIFICATIONS)The above-captioned debtors and debtors in possession (collectively, the“Debtors”), having:a. entered into that certain Lock-Up Agreement, dated as of July 10, 2024 (asamended and restated on August 15, 2024, and as further modified,supplemented, or otherwise amended from time to time in accordance with itsterms, the “the Lock-Up Agreement”) and that certain Backstop Agreement,dated as of July 10, 2024, (as amended and restated on November 15, 2024 andas further modified, supplemented, or otherwise amended from time to time inaccordance with its terms), setting out the terms of the backstop commitmentsprovided by the Backstop Providers to backstop the entirety of the issuance ofNew Money Notes (as may be further amended, restated, amended and restated,modified or supplemented from time to time in accordance with the termsthereof, the “Backstop Agreement”) which set forth the terms of a consensualfinancial restructuring of the Debtors;b. commenced, on October 17, 2024, a prepetition solicitation (the “Solicitation”)of votes on the Joint Prepackaged Chapter 11 Plan of Reorganization of IntrumAB and its Debtor Affiliate Pursuant to Chapter 11 of the Bankruptcy Code (asthe same may be further amended, modified and supplemented from time totime, the “Plan”), by causing the transmittal, through their solicitation andballoting agent, Kroll Restructuring Administration LLC (“Kroll”), to theholders of Claims entitled to vote on the Plan of, among other things: (i) the1 The Debtors in these chapter 11 cases are Intrum AB and Intrum AB of Texas LLC. The Debtors' serviceaddress in these chapter 11 cases is 801 Travis Street, STE 2102, #1312, Houston, TX 77002.United States Bankruptcy CourtSouthern District of TexasENTEREDDecember 31, 2024Nathan Ochsner, ClerkCCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Filieledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 1 2 o of f1 133452Plan, (ii) the Disclosure Statement for Joint Prepackaged Chapter 11 Plan ofReorganization of Intrum AB and its Debtor Affiliate (as the same may befurther amended, modified and supplemented from time to time, the“Disclosure Statement”), and (iii) the Ballots and Master Ballot to vote on thePlan (the “Ballots”), (iv) the Affidavit of Service of Solicitation Materials[Docket No. 7];c. commenced on November 15, 2024 (the “Petition Date”), these chapter 11 cases(these “Chapter 11 Cases”) by filing voluntary petitions in the United StatesBankruptcy Court for the Southern District of Texas (the “Bankruptcy Court”or the “Court”) for relief under chapter 11 of title 11 of the United States Code(the “Bankruptcy Code”);d. Filed on November 15, 2024, the Affidavit of Service of Solicitation Materials[Docket No. 7] (the “Solicitation Affidavit”);e. Filed, on November 16, 2024 the Joint Prepackaged Chapter 11 Plan ofReorganization of Intrum AB and its Debtor Affiliate Pursuant to Chapter 11of the Bankruptcy Code (Technical Modifications) [Docket No. 16] and theDisclosure Statement for Joint Prepackaged Chapter 11 Plan of Intrum AB andits Debtor Affiliate [Docket No. 17];f. Filed on November 16, 2024, the Declaration of Andrés Rubio in Support of ofthe Debtors' Chapter 11 Petitions and First Day Motions [Docket No. 14] (the“First Day Declaration”);g. Filed on November 17, 2024, the Declaration of Alex Orchowski of KrollRestructuring Administration LLC Regarding the Solicitation of Votes andTabulation of Ballots Case on the Joint Prepackaged Chapter 11 Plan ofReorganization of Intrum AB and its Debtor Affiliate Pursuant to Chapter 11of the Bankruptcy Code [Docket No. 18] (the “Voting Declaration,” andtogether with the Plan, the Disclosure Statement, the Ballots, and theSolicitation Affidavit, the “Solicitation Materials”);h. obtained, on November 19, 2024, the Order(I) Scheduling a Combined Hearingon (A) Adequacy of the Disclosure Statement and (B) Confirmation of the Plan,(II) Approving Solicitation Procedures and Form and Manner of Notice ofCommencement, Combined Hearing, and Objection Deadline, (III) FixingDeadline to Object to Disclosure Statement and Plan, (IV) Conditionally (A)Directing the United States Trustee Not to Convene Section 341 Meeting ofCreditors and (B) Waiving Requirement to File Statements of Financial Affairsand Schedules of Assets and Liabilities, and (V) Granting Related Relief[Docket No. 71] (the “Scheduling Order”), which, among other things: (i)approved the prepetition solicitation and voting procedures, including theConfirmation Schedule (as defined therein); (ii) conditionally approved theDisclosure Statement and its use in the Solicitation; and (iii) scheduled theCombined Hearing on December 16, 2024, at 1:00 p.m. (prevailing CentralCCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Filieledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 2 3 o of f1 133453Time) to consider the final approval of the Disclosure Statement and theconfirmation of the Plan (the “Combined Hearing”);i. served, through Kroll, on November 20, 2025, on all known holders of Claimsand Interests, the U.S. Trustee and certain other parties in interest, the Noticeof: (I) Commencement of Chapter 11 Bankruptcy Cases; (II) Hearing on theDisclosure Statement and Confirmation of the Plan, and (III) Certain ObjectionDeadlines (the “Combined Hearing Notice”) as evidence by the Affidavit ofService [Docket No. 160];j. caused, on November 25 and 27, 2024, the Combined Hearing Notice to bepublished in the New York Times (national and international editions) and theFinancial Times (international edition), as evidenced by the Certificate ofPublication [Docket No. 148];k. Filed and served, on December 10, 2024, the Plan Supplement for the Debtors'Joint Prepackaged Chapter 11 Plan of Reorganization [Docket 165];l. Filed on December 10, 2024, the Declaration of Jeffrey Kopa in Support ofConfirmation of the Joint Prepackaged Plan of Reorganization of Intrum ABand its Debtor Affiliate Pursuant to Chapter 11 of the Bankruptcy Code [DocketNo. 155];m. Filed on December 14, 2024, the:i. Debtors' Memorandum of Law in Support of an Order: (I) Approving, on aFinal Basis, Adequacy of the Disclosure Statement; (II) Confirming theJoint Prepackaged Plan of Reorganization; and (III) Granting Related Relief[Docket No. 190] (the “Confirmation Brief”);ii. Declaration of Andrés Rubio in Support of Confirmation of the JointPrepackaged Plan of Reorganization of Intrum AB and its Debtor Affiliate.[Docket No. 189] (the “Confirmation Declaration”); andiii. Joint Prepackaged Chapter 11 Plan of Reorganization of Intrum AB and itsDebtor Affiliate Pursuant to Chapter 11 of the Bankruptcy Code (FurtherTechnical Modifications) [Docket No. 191];n. Filed on December 18, 2024, the Joint Prepackaged Chapter 11 Plan ofReorganization of Intrum AB and its Debtor Affiliate Pursuant to Chapter 11of the Bankruptcy Code (Further Technical Modifications) [Docket No. 223];CCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Filieledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 3 4 o of f1 133454WHEREAS, the Court having, among other things:a. set December 12, 2024, at 4:00 p.m. (prevailing Central Time) as the deadlinefor Filing objection to the adequacy of the Disclosure Statement and/orConfirmation2 of the Plan (the “Objection Deadline”);b. held, on December 16, 2024 at 1:00 p.m. (prevailing Central Time) [andcontinuing through December 17, 2024], the Combined Hearing;c. heard the statements, arguments, and any objections made at the CombinedHearing;d. reviewed the Disclosure Statement, the Plan, the Ballots, the Plan Supplement,the Confirmation Brief, the Confirmation Declaration, the SolicitationAffidavit, and the Voting Declaration;e. overruled (i) any and all objections to approval of the Disclosure Statement, thePlan, and Confirmation, except as otherwise stated or indicated on the record,and (ii) all statements and reservations of rights not consensually resolved orwithdrawn, unless otherwise indicated; andf. reviewed and taken judicial notice of all the papers and pleadings Filed(including any objections, statement, joinders, reservations of rights and otherresponses), all orders entered, and all evidence proffered or adduced and allarguments made at the hearings held before the Court during the pendency ofthese cases;NOW, THEREFORE, it appearing to the Bankruptcy Court that notice of theCombined Hearing and the opportunity for any party in interest to object to the DisclosureStatement and the Plan having been adequate and appropriate as to all parties affected or to beaffected by the Plan and the transactions contemplated thereby, and the legal and factual bases setforth in the documents Filed in support of approval of the Disclosure Statement and Confirmationand other evidence presented at the Combined Hearing establish just cause for the relief grantedherein; and after due deliberation thereon and good cause appearing therefor, the BankruptcyCourt makes and issues the following findings of fact and conclusions of law, and orders for thereasons stated on the record at the December 31, 2024 ruling on plan confirmation;2 Capitalized terms used but not otherwise defined herein have meanings given to them in the Plan and/or theDisclosure Statement. The rules of interpretation set forth in Article I.B of the Plan apply to this CombinedOrder.CCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Filieledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 4 5 o of f1 133455I. FINDINGS OF FACT AND CONCLUSIONS OF LAWIT IS HEREBY FOUND AND DETERMINED THAT:A. Findings of Fact and Conclusions of Law.1. The findings and conclusions set forth herein and in the record of theCombined Hearing constitute the Bankruptcy Court's findings of fact and conclusions of law underRule 52 of the Federal Rules of Civil Procedure, as made applicable herein by Bankruptcy Rules7052 and 9014. To the extent any of the following conclusions of law constitute findings of fact,or vice versa, they are adopted as such.B. Jurisdiction, Venue, Core Proceeding.2. This Court has jurisdiction over these Chapter 11 Cases pursuant to28 U.S.C. § 1334. Venue of these proceedings and the Chapter 11 Cases in this district is properpursuant to 28 U.S.C. §§ 1408 and 1409. This is a core proceeding pursuant to 28 U.S.C.§ 157(b)(2) and this Court may enter a final order hereon under Article III of the United StatesConstitution.C. Eligibility for Relief.3. The Debtors were and continue to be entities eligible for relief under section109 of the Bankruptcy Code and the Debtors were and continue to be proper proponents of thePlan under section 1121(a) of the Bankruptcy Code.D. Commencement and Joint Administration of the Chapter 11 Cases.4. On the Petition Date, the Debtors commenced the Chapter 11 Cases. OnNovember 18, 2024, the Court entered an order [Docket No. 51] authorizing the jointadministration of the Chapter 11 Case in accordance with Bankruptcy Rule 1015(b). The Debtorshave operated their businesses and managed their properties as debtors in possession pursuant toCCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Filieledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 5 6 o of f1 133456sections 1107(a) and 1108 of the Bankruptcy Code. No trustee, examiner, or statutory committeehas been appointed in these Chapter 11 Cases.E. Adequacy of the Disclosure Statement.5. The Disclosure Statement and the exhibits contained therein (i) containssufficient information of a kind necessary to satisfy the disclosure requirements of applicablenonbankruptcy laws, rules and regulations, including the Securities Act; and (ii) contains“adequate information” as such term is defined in section 1125(a)(1) and used in section1126(b)(2) of the Bankruptcy Code, with respect to the Debtors, the Plan and the transactionscontemplated therein. The Filing of the Disclosure Statement satisfied Bankruptcy Rule 3016(b).The injunction, release, and exculpation provisions in the Plan and the Disclosure Statementdescribe, in bold font and with specific and conspicuous language, all acts to be enjoined andidentify the Entities that will be subject to the injunction, thereby satisfying Bankruptcy Rule3016(c).F. Solicitation.6. As described in and evidenced by the Voting Declaration, the Solicitationand the transmittal and service of the Solicitation Materials were: (i) timely, adequate, appropriate,and sufficient under the circumstances; and (ii) in compliance with sections 1125(g) and 1126(b)of the Bankruptcy Code, Bankruptcy Rules 3017 and 3018, the applicable Local Bankruptcy Rules,the Scheduling Order and all applicable nonbankruptcy rules, laws, and regulations applicable tothe Solicitation, including the registration requirements under the Securities Act. The SolicitationMaterials, including the Ballots and the Opt Out Form (as defined below), adequately informedthe holders of Claims entitled to vote on the Plan of the procedures and deadline for completingand submitting the Ballots.CCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Filieledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 6 7 o of f1 1334577. The Debtors served the Combined Hearing Notice on the entire creditormatrix and served the Opt Out Form on all Non-Voting Classes. The Combined Hearing Noticeadequately informed Holders of Claims or Interests of critical information regarding voting on (ifapplicable) and objecting to the Plan, including deadlines and the inclusion of release, exculpation,and injunction provisions in the Plan, and adequately summarized the terms of the Third-PartyRelease. Further, because the form enabling stakeholders to opt out of the Third-Party Release (the“Opt Out Form”) was included in both the Ballots and the Opt Out Form, every known stakeholder,including unimpaired creditors was provided with the means by which the stakeholders could optout of the Third-Party Release. No further notice is required. The period for voting on the Planprovided a reasonable and sufficient period of time and the manner of such solicitation was anappropriate process allowing for such holders to make an informed decision.G. Tabulation.8. As described in and evidenced by the Voting Declaration, (i) the holders ofClaims in Class 3 (RCF Claims) and Class 5 (Notes Claims) are Impaired under the Plan(collectively, the “Voting Classes”) and have voted to accept the Plan in the numbers and amountsrequired by section 1126 of the Bankruptcy Code, and (ii) no Class that was entitled to vote on thePlan voted to reject the Plan. All procedures used to tabulate the votes on the Plan were in goodfaith, fair, reasonable, and conducted in accordance with the applicable provisions of theBankruptcy Code, the Bankruptcy Rules, the Local Rules, the Disclosure Statement, theScheduling Order, and all other applicable nonbankruptcy laws, rules, and regulations.H. Plan Supplement.9. On December 10, 2024, the Debtors Filed the Plan Supplement with theCourt. The Plan Supplement (including as subsequently modified, supplemented, or otherwiseCCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Filieledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 7 8 o of f1 133458amended pursuant to a filing with the Court), complies with the terms of the Plan, and the Debtorsprovided good and proper notice of the filing in accordance with the Bankruptcy Code, theBankruptcy Rules, the Scheduling Order, and the facts and circumstances of the Chapter 11 Cases.All documents included in the Plan Supplement are integral to, part of, and incorporated byreference into the Plan. No other or further notice is or will be required with respect to the PlanSupplement. Subject to the terms of the Plan and the Lock-Up Agreement, and only consistenttherewith, the Debtors reserve the right to alter, amend, update, or modify the Plan Supplementand any of the documents contained therein or related thereto, in accordance with the Plan, on orbefore the Effective Date.I. Modifications to the Plan.10. Pursuant to section 1127 of the Bankruptcy Code, the modifications to thePlan described or set forth in this Combined Order constitute technical or clarifying changes,changes with respect to particular Claims by agreement with holders of such Claims, ormodifications that do not otherwise materially and adversely affect or change the treatment of anyother Claim or Interest under the Plan. These modifications are consistent with the disclosurespreviously made pursuant to the Disclosure Statement and Solicitation Materials, and notice ofthese modifications was adequate and appropriate under the facts and circumstances of the Chapter11 Cases. In accordance with Bankruptcy Rule 3019, these modifications do not require additionaldisclosure under section 1125 of the Bankruptcy Code or the resolicitation of votes under section1126 of the Bankruptcy Code, and they do not require that holders of Claims or Interests beafforded an opportunity to change previously cast acceptances or rejections of the Plan.Accordingly, the Plan is properly before this Court and all votes cast with respect to the Plan priorto such modification shall be binding and shall apply with respect to the Plan.CCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Filieledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 8 9 o of f1 133459J. Objections Overruled.11. Any resolution or disposition of objections to Confirmation explained orotherwise ruled upon by the Court on the record at the Confirmation Hearing is herebyincorporated by reference. All unresolved objections, statements, joinders, informal objections,and reservations of rights are hereby overruled on the merits.K. Burden of Proof.12. The Debtors, as proponents of the Plan, have met their burden of provingthe elements of sections 1129(a) and 1129(b) of the Bankruptcy Code by a preponderance of theevidence, the applicable evidentiary standard for Confirmation. Further, the Debtors have proventhe elements of sections 1129(a) and 1129(b) by clear and convincing evidence. Each witness whotestified on behalf of the Debtors in connection with the Confirmation Hearing was credible,reliable, and qualified to testify as to the topics addressed in his testimony.L. Compliance with the Requirements of Section 1129 of the BankruptcyCode.13. The Plan complies with all applicable provisions of section 1129 of theBankruptcy Code as follows:a. Section 1129(a)(1) – Compliance of the Plan with Applicable Provisions of theBankruptcy Code.14. The Plan complies with all applicable provisions of the Bankruptcy Code,including sections 1122 and 1123, as required by section 1129(a)(1) of the Bankruptcy Code.i. Section 1122 and 1123(a)(1) – Proper Classification.15. The classification of Claims and Interests under the Plan is proper under theBankruptcy Code. In accordance with sections 1122(a) and 1123(a)(1) of the Bankruptcy Code,Article III of the Plan provides for the separate classification of Claims and Interests at each Debtorinto Classes, based on differences in the legal nature or priority of such Claims and Interests (otherCaCsaes e2 42-49-09507557 5 D oDcoucmumenetn 2t 9266-32 FFiilleedd iinn TTXXSSBB oonn 1021//3113//2245 PPaaggee 91 0o fo 1f 3143510than Administrative Claims, Professional Fee Claims, and Priority Tax Claims, which areaddressed in Article II of the Plan and Unimpaired, and are not required to be designated asseparate Classes in accordance with section 1123(a)(1) of the Bankruptcy Code). Valid business,factual, and legal reasons exist for the separate classification of the various Classes of Claims andInterests created under the Plan, the classifications were not implemented for any improperpurpose, and the creation of such Classes does not unfairly discriminate between or among holdersof Claims or Interests.16. In accordance with section 1122(a) of the Bankruptcy Code, each Class ofClaims or Interests contains only Claims or Interests substantially similar to the other Claims orInterests within that Class. Accordingly, the Plan satisfies the requirements of sections 1122(a),1122(b), and 1123(a)(1) of the Bankruptcy Codeii. Section 1123(a)(2) – Specifications of Unimpaired Classes.17. Article III of the Plan specifies that Claims and Interests in the classesdeemed to accept the Plan are Unimpaired under the Plan. Holders of Intercompany Claims andIntercompany Interests are either Unimpaired and conclusively presumed to have accepted thePlan, or are Impaired and deemed to reject (the “Deemed Rejecting Classes”) the Plan, and, ineither event, are not entitled to vote to accept or reject the Plan. In addition, Article II of the Planspecifies that Administrative Claims and Priority Tax Claims are Unimpaired, although the Plandoes not classify these Claims. Accordingly, the Plan satisfies the requirements of section1123(a)(2) of the Bankruptcy Code.CCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Fileiledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 1 101 o of f1 1334511iii. Section 1123(a)(3) – Specification of Treatment of Voting Classes18. Article III.B of the Plan specifies the treatment of each Voting Class underthe Plan – namely, Class 3 and Class 5. Accordingly, the Plan satisfies the requirements of section1123(a)(3) of the Bankruptcy Code.iv. Section 1123(a)(4) – No Discrimination.19. Article III of the Plan provides the same treatment to each Claim or Interestin any particular Class, as the case may be, unless the holder of a particular Claim or Interest hasagreed to a less favorable treatment with respect to such Claim or Interest. Accordingly, the Plansatisfies the requirements of section 1123(a)(4) of the Bankruptcy Code.v. Section 1123(a)(5) – Adequate Means for Plan Implementation.20. The Plan and the various documents included in the Plan Supplementprovide adequate and proper means for the Plan's execution and implementation, including: (a)the general settlement of Claims and Interests; (b) the restructuring of the Debtors' balance sheetand other financial transactions provided for by the Plan; (c) the consummation of the transactionscontemplated by the Plan, the Lock-Up Agreement, the Restructuring Implementation Deed andthe Agreed Steps Plan and other documents Filed as part of the Plan Supplement; (d) the issuanceof Exchange Notes, the New Money Notes, and the Noteholder Ordinary Shares pursuant to thePlan; (e) the amendment of the Intercreditor Agreement; (f) the amendment of the FacilityAgreement; (g) the amendment of the Senior Secured Term Loan Agreement; (h) theconsummation of the Rights Offering in accordance with the Plan, Rights Offering Documentsand the Lock-Up Agreement; (i) the granting of all Liens and security interests granted orconfirmed (as applicable) pursuant to, or in connection with, the Facility Agreement, the ExchangeNotes Indenture, the New Money Notes Indenture, the amended Intercreditor Agreement and theCCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Fileiledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 1 112 o of f1 1334512Senior Secured Term Loan Agreement pursuant to the New Security Documents (including anyLiens and security interests granted or confirmed (as applicable) on the Reorganized Debtors'assets); (j) the vesting of the assets of the Debtors' Estates in the Reorganized Debtors; (k) theconsummation of the corporate reorganization contemplated by the Plan, the Lock-Up Agreement,the Agreed Steps Plan and the Master Reorganization Agreement (as defined in the RestructuringImplementation Deed); and (l) the execution, delivery, filing, or recording of all contracts,instruments, releases, and other agreements or documents in furtherance of the Plan. Accordingly,the Plan satisfies the requirements of section 1123(a)(5) of the Bankruptcy Codevi. Section 1123(a)(6) – Non-Voting Equity Securities.21. The Company's organizational documents in accordance with the SwedishCompanies Act, Ch. 4, Sec 5 and the Plan prohibit the issuance of non-voting securities as of theEffective Date to the extent required to comply with section 1123(a)(6) of the Bankruptcy Code.Accordingly, the Plan satisfies the requirements of section 1123(a)(6) of the Bankruptcy Code.vii. Section 1123(a)(7) – Directors, Officers, and Trustees.22. The manner of selection of any officer, director, or trustee (or any successorto and such officer, director, or trustee) of the Reorganized Debtors will be determined inaccordance with the existing organizational documents, which is consistent with the interests ofcreditors and equity holders and with public policy. Accordingly, the Plan satisfies therequirements of section 1123(a)(7) of the Bankruptcy Code.b. Section 1123(b) – Discretionary Contents of the Plan23. The Plan contains various provisions that may be construed as discretionarybut not necessary for Confirmation under the Bankruptcy Code. Any such discretionary provisionCCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Fileiledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 1 123 o of f1 1334513complies with section 1123(b) of the Bankruptcy Code and is not inconsistent with the applicableprovisions of the Bankruptcy Code. Thus, the Plan satisfies section 1123(b).i. Section 1123(b)(1) – Impairment/Unimpairment of Any Class of Claims orInterests24. Article III of the Plan impairs or leaves unimpaired, as the case may be,each Class of Claims or Interests, as contemplated by section 1123(b)(1) of the Bankruptcy Code.ii. Section 1123(b)(2) – Assumption and Rejection of Executory Contracts andUnexpired Leases25. Article V of the Plan provides for the assumption of the Debtors' ExecutoryContracts and Unexpired Leases as of the Effective Date unless such Executory Contract orUnexpired Lease: (a) is identified on the Rejected Executory Contract and Unexpired Lease List;(b) has been previously rejected by a Final Order; (c) is the subject of a motion to reject ExecutoryContracts or Unexpired Leases that is pending on the Confirmation Date; or (4) is subject to amotion to reject an Executory Contract or Unexpired Lease pursuant to which the requestedeffective date of such rejection is after the Effective Date. Thus, the Plan satisfies section1123(b)(2).iii. Compromise and Settlement26. In accordance with section 1123(b)(3)(A) of the Bankruptcy Code andBankruptcy Rule 9019, and in consideration for the distributions and other benefits provided underthe Plan, the provisions of the Plan constitute a good-faith compromise of all Claims, Interests,and controversies relating to the contractual, legal, and subordination rights that all holders ofClaims or Interests may have with respect to any Allowed Claim or Interest or any distribution tobe made on account of such Allowed Claim or Interest. Such compromise and settlement is theproduct of extensive arm's-length, good faith negotiations that, in addition to the Plan, resulted inCCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Fileiledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 1 134 o of f1 1334514the execution of the Lock-Up Agreement, which represents a fair and reasonable compromise ofall Claims, Interests, and controversies and entry into which represented a sound exercise of theDebtors' business judgment. Such compromise and settlement is fair, equitable, and reasonableand in the best interests of the Debtors and their Estates.27. The releases of the Debtors' directors and officers are an integral componentof the settlements and compromises embodied in the Plan. The Debtors' directors and officers: (a)made a substantial and valuable contribution to the Debtors' restructuring, including extensive preandpost-Petition Date negotiations with stakeholder groups, and ensured the uninterruptedoperation of the Debtors' businesses during the Chapter 11 Cases; (b) invested significant timeand effort to make the restructuring a success and maximize the value of the Debtors' businessesin a challenging operating environment; (c) attended and, in certain instances, testified atdepositions and Court hearings; (d) attended and participated in numerous stakeholder meetings,management meetings, and board meetings related to the restructuring; (e) are entitled toindemnification from the Debtors under applicable non-bankruptcy law, organizationaldocuments, and agreements; (f) invested significant time and effort in the preparation of the Lock-Up Agreement, the Plan, Disclosure Statement, all supporting analyses, and the numerous otherpleadings Filed in the Chapter 11 Cases, thereby ensuring the smooth administration of the Chapter11 Cases; and (g) are entitled to all other benefits under any employment contracts existing as ofthe Petition Date. Litigation by the Debtors or other Releasing Parties against the Debtors'directors and officers would be a distraction to the Debtors' business and restructuring and woulddecrease rather than increase the value of the estates. The releases of the Debtors' directors andofficers contained in the Plan have the consent of the Debtors and the Releasing Parties and are inthe best interests of the estates.CCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Fileiledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 1 145 o of f1 1334515iv. Debtor Release28. The releases of claims and Causes of Action by the Debtors, ReorganizedDebtors, and their Estates described in Article VIII.C of the Plan in accordance with section1123(b) of the Bankruptcy Code (the “Debtor Release”) represent a valid exercise of the Debtors'business judgment under Bankruptcy Rule 9019. The Debtors' or the Reorganized Debtors' pursuitof any such claims against the Released Parties is not in the best interests of the Estates' variousconstituencies because the costs involved would outweigh any potential benefit from pursuingsuch claims. The Debtor Release is fair and equitable and complies with the absolute priority rule.29. The Debtor Release is (a) an integral part of the Plan, and a component ofthe comprehensive settlement implemented under the Plan; (b) in exchange for the good andvaluable consideration provided by the Released Parties; (c) a good faith settlement andcompromise of the claims and Causes of Action released by the Debtor Release; (d) materiallybeneficial to, and in the best interests of, the Debtors, their Estates, and their stakeholders, and isimportant to the overall objectives of the Plan to finally resolve certain Claims among or againstcertain parties in interest in the Chapter 11 Cases; (e) fair, equitable, and reasonable; (f) given andmade after due notice and opportunity for hearing; and (g) a bar to any Debtor asserting any claimor Cause of Action released by the Debtor Release against any of the Released Parties. Theprobability of success in litigation with respect to the released claims and Causes of Action, whenweighed against the costs, supports the Debtor Release. With respect to each of these potentialCauses of Action, the parties could assert colorable defenses and the probability of success isuncertain. The Debtors' or the Reorganized Debtors' pursuit of any such claims or Causes ofAction against the Released Parties is not in the best interests of the Estates or the Debtors' variousCCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Fileiledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 1 156 o of f1 1334516constituencies because the costs involved would likely outweigh any potential benefit frompursuing such claims or Causes of Action30. Holders of Claims and Interests entitled to vote have overwhelmingly votedin favor of the Plan, including the Debtor Release. The Plan, including the Debtor Release, wasnegotiated before and after the Petition Date by sophisticated parties represented by able counseland advisors, including the Consenting Creditors. The Debtor Release is therefore the result of ahard fought and arm's-length negotiation process conducted in good faith.31. The Debtor Release appropriately offers protection to parties thatparticipated in the Debtors' restructuring process, including the Consenting Creditors, whoseparticipation in the Chapter 11 Cases is critical to the Debtors' successful emergence frombankruptcy. Specifically, the Released Parties, including the Consenting Creditors, madesignificant concessions and contributions to the Chapter 11 Cases, including, entering into theLock-Up Agreement and related agreements, supporting the Plan and the Chapter 11 Cases, andwaiving or agreeing to impair substantial rights and Claims against the Debtors under the Plan (aspart of the compromises composing the settlement underlying the revised Plan) in order tofacilitate a consensual reorganization and the Debtors' emergence from chapter 11. The DebtorRelease for the Debtors' directors and officers is appropriate because the Debtors' directors andofficers share an identity of interest with the Debtors and, as previously stated, supported and madesubstantial contributions to the success of the Plan, the Chapter 11 Cases, and operation of theDebtors' business during the Chapter 11 Cases, actively participated in meetings, negotiations, andimplementation during the Chapter 11 Cases, and have provided other valuable consideration tothe Debtors to facilitate the Debtors' successful reorganization and continued operation.CCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Fileiledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 1 167 o of f1 133451732. The scope of the Debtor Release is appropriately tailored under the factsand circumstances of the Chapter 11 Cases. In light of, among other things, the value provided bythe Released Parties to the Debtors' Estates and the critical nature of the Debtor Release to thePlan, the Debtor Release is appropriate.v. Release by Holders of Claims and Interests33. The release by the Releasing Parties (the “Third-Party Release”), set forthin Article VIII.D of the Plan, is an essential provision of the Plan. The Third-Party Release is: (a)consensual as to those Releasing Parties that did not specifically and timely object or properly optout from the Third-Party Release; (b) within the jurisdiction of the Bankruptcy Court pursuant to28 U.S.C. § 1334; (c) in exchange for the good and valuable consideration provided by theReleased Parties; (d) a good faith settlement and compromise of the claims and Causes of Actionreleased by the Third-Party Release; (e) materially beneficial to, and in the best interests of, theDebtors, their Estates, and their stakeholders, and is important to the overall objectives of the Planto finally resolve certain Claims among or against certain parties in interest in the Chapter 11Cases; (f) fair, equitable, and reasonable; (g) given and made after due notice and opportunity forhearing; (h) appropriately narrow in scope given that it expressly excludes, among other things,any Cause of Action that is judicially determined by a Final Order to have constituted actual fraud,willful misconduct, or gross negligence; (i) a bar to any of the Releasing Parties asserting anyclaim or Cause of Action released by the Third-Party Release against any of the Released Parties;and (j) consistent with sections 105, 524, 1123, 1129, and 1141 and other applicable provisions ofthe Bankruptcy Code.34. The Third-Party Release is an integral part of the agreement embodied inthe Plan among the relevant parties in interest. Like the Debtor Release, the Third-Party ReleaseCCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Fileiledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 1 178 o of f1 1334518facilitated participation in both the Debtors' Plan and the chapter 11 process generally. The Third-Party Release is instrumental to the Plan and was critical in incentivizing parties to support thePlan and preventing significant and time-consuming litigation regarding the parties' respectiverights and interests. The Third-Party Release was a core negotiation point in connection with thePlan and instrumental in developing the Plan that maximized value for all of the Debtors'stakeholders and kept the Debtors intact as a going concern. As such, the Third-Party Releaseappropriately offers certain protections to parties who constructively participated in the Debtors'restructuring process—including the Consenting Creditors (as set forth above)—by, among otherthings, facilitating the negotiation and consummation of the Plan, supporting the Plan and, in thecase of the Backstop Providers, committing to provide new capital to facilitate the Debtors'emergence from chapter 11. Specifically, the Notes Ad Hoc Group proposed and negotiated thepari passu transaction that is the basis of the restructuring proposed under the Plan and provideda much-needed deleveraging to the Debtors' business while taking a discount on their Claims (inexchange for other consideration).35. Furthermore, the Third-Party Release is consensual as to all parties ininterest, including all Releasing Parties, and such parties in interest were provided notice of thechapter 11 proceedings, the Plan, the deadline to object to confirmation of the Plan, and theCombined Hearing and were properly informed that all holders of Claims against or Interests inthe Debtors that did not file an objection with the Court in the Chapter 11 Cases that included anexpress objection to the inclusion of such holder as a Releasing Party under the provisionscontained in Article VIII of the Plan would be deemed to have expressly, unconditionally,generally, individually, and collectively consented to the release and discharge of all claims andCauses of Action against the Debtors and the Released Parties. Additionally, the release provisionsCCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Fileiledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 1 189 o of f1 1334519of the Plan were conspicuous, emphasized with boldface type in the Plan, the DisclosureStatement, the Ballots, and the applicable notices. Except as set forth in the Plan, all ReleasingParties were properly informed that unless they (a) checked the “opt out” box on the applicableBallot or opt-out form and returned the same in advance of the Voting Deadline, as applicable, or(b) timely Filed an objection to the releases contained in the Plan that was not resolved beforeentry of this Confirmation Order, they would be deemed to have expressly consented to the releaseof all Claims and Causes of Action against the Released Parties.36. The Ballots sent to all holders of Claims and Interests entitled to vote, aswell as the notice of the Combined Hearing sent to all known parties in interest (including thosenot entitled to vote on the Plan), unambiguously provided in bold letters that the Third-PartyRelease was contained in the Plan.37. The scope of the Third-Party Release is appropriately tailored under thefacts and circumstances of the Chapter 11 Cases, and parties in interest received due and adequatenotice of the Third-Party Release. Among other things, the Plan provides appropriate and specificdisclosure with respect to the claims and Causes of Action that are subject to the Third-PartyRelease, and no other disclosure is necessary. The Debtors, as evidenced by the VotingDeclaration and Certificate of Publication, including by providing actual notice to all knownparties in interest, including all known holders of Claims against, and Interests in, any Debtor andpublishing notice in international and national publications for the benefit of unknown parties ininterest, provided sufficient notice of the Third-Party Release, and no further or other notice isnecessary. The Third-Party Release is designed to provide finality for the Debtors, theReorganized Debtors and the Released Parties regarding the parties' respective obligations underthe Plan. For the avoidance of doubt, and notwithstanding anything to the contrary, anyparty who timely opted-out of the Third-Party Release is not bound by the Third-PartyRelease.CCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Fileiledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 1 290 o of f1 133452038. The Third-Party Release is specific in language, integral to the Plan, andgiven for substantial consideration. The Releasing Parties were given due and adequate notice ofthe Third-Party Release, and thus the Third-Party Release is consensual under controllingprecedent as to those Releasing Parties that did not specifically and timely object. In light of,among other things, the value provided by the Released Parties to the Debtors' Estates and theconsensual and critical nature of the Third-Party Release to the Plan, the Third-Party Release isappropriatevi. Exculpation.39. The exculpation described in Article VIII.E of the Plan (the “Exculpation”)is appropriate under applicable law, including In re Highland Capital Mgmt., L.P., 48 F. 4th 419(5th Cir. 2022), because it was supported by proper evidence, proposed in good faith, wasformulated following extensive good-faith, arm's-length negotiations with key constituents, and isappropriately limited in scope.40. No Entity or Person may commence or continue any action, employ anyprocess, or take any other act to pursue, collect, recover or offset any Claim, Interest, debt,obligation, or Cause of Action relating or reasonably likely to relate to any act or commission inconnection with, relating to, or arising out of a Covered Matter (including one that alleges theactual fraud, gross negligence, or willful misconduct of a Covered Entity), unless expresslyauthorized by the Bankruptcy Court after (1) it determines, after a notice and a hearing, such Claim,Interest, debt, obligation, or Cause of Action is colorable and (2) it specifically authorizes suchEntity or Person to bring such Claim or Cause of Action. The Bankruptcy Court shall have soleand exclusive jurisdiction to determine whether any such Claim, Interest, debt, obligation or Causeof Action is colorable and, only to the extent legally permissible and as provided for in Article XI,CCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Fileiledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 2 201 o of f1 1334521shall have jurisdiction to adjudicate such underlying colorable Claim, Interest, debt, obligation, orCause of Action.vii. Injunction.41. The injunction provisions set forth in Article VIII.F of the Plan are essentialto the Plan and are necessary to implement the Plan and to preserve and enforce the discharge,Debtor Release, the Third-Party Release, and the Exculpation provisions in Article VIII of thePlan. The injunction provisions are appropriately tailored to achieve those purposes.viii. Preservation of Claims and Causes of Action.42. Article IV.L of the Plan appropriately provides for the preservation by theDebtors of certain Causes of Action in accordance with section 1123(b) of the Bankruptcy Code.Causes of Action not released by the Debtors or exculpated under the Plan will be retained by theReorganized Debtors as provided by the Plan. The Plan is sufficiently specific with respect to theCauses of Action to be retained by the Debtors, and the Plan and Plan Supplement providemeaningful disclosure with respect to the potential Causes of Action that the Debtors may retain,and all parties in interest received adequate notice with respect to such retained Causes of Action.The provisions regarding Causes of Action in the Plan are appropriate and in the best interests ofthe Debtors, their respective Estates, and holders of Claims or Interests. For the avoidance of anydoubt, Causes of Action released or exculpated under the Plan will not be retained by theReorganized Debtors.c. Section 1123(d) – Cure of Defaults43. Article V.D of the Plan provides for the satisfaction of Cure Claimsassociated with each Executory Contract and Unexpired Lease to be assumed in accordance withsection 365(b)(1) of the Bankruptcy Code. Any monetary defaults under each assumed ExecutoryCCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Fileiledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 2 212 o of f1 1334522Contract or Unexpired Lease shall be satisfied, pursuant to section 365(b)(1) of the BankruptcyCode, by payment of the default amount in Cash on the Effective Date, subject to the limitationsdescribed in Article V.D of the Plan, or on such other terms as the parties to such ExecutoryContracts or Unexpired Leases may otherwise agree. Any Disputed Cure Amounts will bedetermined in accordance with the procedures set forth in Article V.D of the Plan, and applicablebankruptcy and nonbankruptcy law. As such, the Plan provides that the Debtors will Cure, orprovide adequate assurance that the Debtors will promptly Cure, defaults with respect to assumedExecutory Contracts and Unexpired Leases in accordance with section 365(b)(1) of theBankruptcy Code. Thus, the Plan complies with section 1123(d) of the Bankruptcy Code.d. Section 1129(a)(2) – Compliance of the Debtors and Others with the ApplicableProvisions of the Bankruptcy Code.44. The Debtors, as proponents of the Plan, have complied with all applicableprovisions of the Bankruptcy Code as required by section 1129(a)(2) of the Bankruptcy Code,including sections 1122, 1123, 1124, 1125, 1126, and 1128, and Bankruptcy Rules 3017, 3018,and 3019.e. Section 1129(a)(3) – Proposal of Plan in Good Faith.45. The Debtors have proposed the Plan in good faith, in accordance with theBankruptcy Code requirements, and not by any means forbidden by law. In determining that thePlan has been proposed in good faith, the Court has examined the totality of the circumstancesfiling of the Chapter 11 Cases, including the formation of Intrum AB of Texas LLC (“IntrumTexas”), the Plan itself, and the process leading to its formulation. The Debtors' good faith isevident from the facts and record of the Chapter 11 Cases, the Disclosure Statement, and the recordof the Combined Hearing and other proceedings held in the Chapter 11 CasesCCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Fileiledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 2 223 o of f1 133452346. The Plan (including the Plan Supplement and all other documents necessaryto effectuate the Plan) is the product of good faith, arm's-length negotiations by and among theDebtors, the Debtors' directors and officers and the Debtors' key stakeholders, including theConsenting Creditors and each of their respective professionals. The Plan itself and the processleading to its formulation provide independent evidence of the Debtors' and such other parties'good faith, serve the public interest, and assure fair treatment of holders of Claims or Interests.Consistent with the overriding purpose of chapter 11, the Debtors Filed the Chapter 11 Cases withthe belief that the Debtors were in need of reorganization and the Plan was negotiated and proposedwith the intention of accomplishing a successful reorganization and maximizing stakeholder value,and for no ulterior purpose. Accordingly, the requirements of section 1129(a)(3) of the BankruptcyCode are satisfied.f. Section 1129(a)(4) – Court Approval of Certain Payments as Reasonable.47. Any payment made or to be made by the Debtors, or by a person issuingsecurities or acquiring property under the Plan, for services or costs and expenses in connectionwith the Chapter 11 Cases, or in connection with the Plan and incident to the Chapter 11 Cases,has been approved by, or is subject to the approval of, the Court as reasonable. Accordingly, thePlan satisfies the requirements of section 1129(a)(4).g. Section 1129(a)(5)—Disclosure of Directors and Officers and Consistency with theInterests of Creditors and Public Policy.48. The identities of or process for appointment of the Reorganized Debtors'directors and officers proposed to serve after the Effective Date were disclosed in the PlanSupplement in advance of the Combined Hearing. Accordingly, the Debtors have satisfied therequirements of section 1129(a)(5) of the Bankruptcy Code.CCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Fileiledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 2 234 o of f1 1334524h. Section 1129(a)(6)—Rate Changes.49. The Plan does not contain any rate changes subject to the jurisdiction of anygovernmental regulatory commission and therefore will not require governmental regulatoryapproval. Therefore, section 1129(a)(6) of the Bankruptcy Code does not apply to the Plan.i. Section 1129(a)(7)—Best Interests of Holders of Claims and Interests.50. The liquidation analysis attached as Exhibit D to the Disclosure Statementand the other evidence in support of the Plan that was proffered or adduced at the CombinedHearing, and the facts and circumstances of the Chapter 11 Cases are (a) reasonable, persuasive,credible, and accurate as of the dates such analysis or evidence was prepared, presented orproffered; (b) utilize reasonable and appropriate methodologies and assumptions; (c) have not beencontroverted by other evidence; and (d) establish that each holder of Allowed Claims or Interestsin each Class will recover as much or more value under the Plan on account of such Claim orInterest, as of the Effective Date, than the amount such holder would receive if the Debtors wereliquidated on the Effective Date under chapter 7 of the Bankruptcy Code or has accepted the Plan.As a result, the Debtors have demonstrated that the Plan is in the best interests of their creditorsand equity holders and the requirements of section 1129(a)(7) of the Bankruptcy Code are satisfied.j. Section 1129(a)(8)—Conclusive Presumption of Acceptance by UnimpairedClasses; Acceptance of the Plan by Certain Voting Classes.51. The classes deemed to accept the Plan are Unimpaired under the Plan andare deemed to have accepted the Plan pursuant to section 1126(f) of the Bankruptcy Code. EachVoting Class voted to accept the Plan. For the avoidance of doubt, however, even if section1129(a)(8) has not been satisfied with respect to all of the Debtors, the Plan is confirmable becausethe Plan does not discriminate unfairly and is fair and equitable with respect to the Voting Classesand thus satisfies section 1129(b) of the Bankruptcy Code with respect to such Classes as describedCCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Fileiledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 2 245 o of f1 1334525further below. As a result, the requirements of section 1129(b) of the Bankruptcy Code are alsosatisfied.k. Section 1129(a)(9)—Treatment of Claims Entitled to Priority Pursuant to Section507(a) of the Bankruptcy Code.52. The treatment of Administrative Claims, Professional Fee Claims, andPriority Tax Claims under Article II of the Plan satisfies the requirements of, and complies in allrespects with, section 1129(a)(9) of the Bankruptcy Code.l. Section 1129(a)(10)—Acceptance by at Least One Voting Class.53. As set forth in the Voting Declaration, all Voting Classes overwhelminglyvoted to accept the Plan. As such, there is at least one Voting Class that has accepted the Plan,determined without including any acceptance of the Plan by any insider (as defined by theBankruptcy Code), for each Debtor. Accordingly, the requirements of section 1129(a)(10) of theBankruptcy Code are satisfied.m. Section 1129(a)(11)—Feasibility of the Plan.54. The Plan satisfies section 1129(a)(11) of the Bankruptcy Code. Thefinancial projections attached to the Disclosure Statement as Exhibit D and the other evidencesupporting the Plan proffered or adduced by the Debtors at or before the Combined Hearing: (a)is reasonable, persuasive, credible, and accurate as of the dates such evidence was prepared,presented, or proffered; (b) utilize reasonable and appropriate methodologies and assumptions; (c)has not been controverted by other persuasive evidence; (d) establishes that the Plan is feasibleand Confirmation of the Plan is not likely to be followed by liquidation or the need for furtherfinancial reorganization; (e) establishes that the Debtors will have sufficient funds available tomeet their obligations under the Plan and in the ordinary course of business—including sufficientamounts of Cash to reasonably ensure payment of Allowed Claims that will receive CashCCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Fileiledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 2 256 o of f1 1334526distributions pursuant to the terms of the Plan and other Cash payments required under the Plan;and (f) establishes that the Debtors or the Reorganized Debtors, as applicable, will have thefinancial wherewithal to pay any Claims that accrue, become payable, or are allowed by FinalOrder following the Effective Date. Accordingly, the Plan satisfies the requirements of section1129(a)(11) of the Bankruptcy Code.n. Section 1129(a)(12)—Payment of Statutory Fees.55. Article XII.C of the Plan provides that all fees payable pursuant to section1930(a) of the Judicial Code, as determined by the Court at the Confirmation Hearing inaccordance with section 1128 of the Bankruptcy Code, will be paid by each of the applicableReorganized Debtors for each quarter (including any fraction of a quarter) until the Chapter 11Cases are converted, dismissed, or closed, whichever occurs first. Accordingly, the Plan satisfiesthe requirements of section 1129(a)(12) of the Bankruptcy Code.o. Section 1129(a)(13)—Retiree Benefits.56. Pursuant to section 1129(a)(13) of the Bankruptcy Code, and as provided inArticle IV.K of the Plan, the Reorganized Debtors will continue to pay all obligations on accountof retiree benefits (as such term is used in section 1114 of the Bankruptcy Code) on and after theEffective Date in accordance with applicable law. As a result, the requirements of section1129(a)(13) of the Bankruptcy Code are satisfied.p. Sections 1129(a)(14), (15), and (16)—Domestic Support Obligations, Individuals,and Nonprofit Corporations.57. The Debtors do not owe any domestic support obligations, are notindividuals, and are not nonprofit corporations. Therefore, sections 1129(a)(14), 1129(a)(15), and1129(a)(16) of the Bankruptcy Code do not apply to the Chapter 11 Cases.CCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Fileiledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 2 267 o of f1 1334527q. Section 1129(b)—Confirmation of the Plan Over Nonacceptance of VotingClasses.58. No Classes rejected the Plan, and section 1129(b) is not applicable here,but even if it were, the Plan may be confirmed pursuant to section 1129(b)(1) of the BankruptcyCode because the Plan is fair and equitable with respect to the Deemed Rejecting Classes. ThePlan has been proposed in good faith, is reasonable, and meets the requirements and all VotingClasses have voted to accept the Plan. The treatment of Intercompany Claims and IntercompanyInterests under the Plan provides for administrative convenience does not constitute a distributionunder the Plan on account of suc

October had its ups and downs. I missed an opportunity on the echo dots, but was able to get some more iPhones with a few more trips to the Apple store. I also experimented with Walmart and Target this month with some success.In the second half of the episode, I talk about our surfing trip to Siargao, flying on Philippine Airlines for the first time!Portland meetup reminder - 11/16 @ 4pm 

Not only do most people hate the sound of their voice, as I once did, they struggle to find their voice—their true voice. So we keep quiet, stay in the shadows, and waste the chance of being seen, heard, and contributing to helping make the world a better place. In this episode, the top voice talent (a.k.a the in-flight voice of Philippine Airlines), content creator, podcaster (Sleeping Pill), and host shows you how to not only discover your voice but also use it to live your best most most authentic life and empower those around you. Once afflicted with stage fright and content to exist behind the scenes, Inka was suddenly thrust into the spotlight during the pandemic when a TikTok video she posted featuring herself and her mom doing their iconic Philippine Airlines voice-overs went viral. She has since become a force for empowering women, promoting body positivity, fighting misogyny and other injustices, and embracing her true self in a world that prioritizes perfection over authenticity. Inka's trademark therapeutic voice isn't just something people love to hear—it's a tool she has used to build a mega-platform that inspires and connects with her huge community as she speaks her mind about controversial issues and speaks her truth to spread her message of self-love and authenticity.

Not only do most people hate the sound of their voice, as I once did, they struggle to find their voice—their true voice. So we keep quiet, stay in the shadows, and waste the chance of being seen, heard, and contributing to helping make the world a better place. In this episode, the top voice talent (a.k.a the in-flight voice of Philippine Airlines), content creator, podcaster (Sleeping Pill), and host shows you how to not only discover your voice but also use it to live your best most most authentic life and empower those around you. Once afflicted with stage fright and content to exist behind the scenes, Inka was suddenly thrust into the spotlight during the pandemic when a TikTok video she posted featuring herself and her mom doing their iconic Philippine Airlines voice-overs went viral. She has since become a force for empowering women, promoting body positivity, fighting misogyny and other injustices, and embracing her true self in a world that prioritizes perfection over authenticity. Inka's trademark therapeutic voice isn't just something people love to hear—it's a tool she has used to build a mega-platform that inspires and connects with her huge community as she speaks her mind about controversial issues and speaks her truth to spread her message of self-love and authenticity.

Stay informed with Lee Harris from ATPI Travel as he delivers essential updates for yacht crew and travelers. In this episode, you'll learn about Hurricane Milton's effects on Florida travel, British Airways' summer disruptions, Wizz Air's booking system issue, new routes from Philippine Airlines, and JetBlue's upgraded in-flight menu. Find out how these changes impact crew travel globally, and be ready for your next trip!

In this interview, we speak with Mac Munsayac, Head of Customer Experience at Philippine Airlines, to explore the transformative role of AI in the aviation industry. Mac elaborates on the integration of generative AI and tools to enhance customer interactions by providing personalized, proactive, and frictionless experiences, especially in scenarios involving flight disruptions and service-related concerns.He underscores the significance of recognizing AI's limitations and stresses the necessity of human intervention in high-risk tasks to ensure accuracy and reliability. Training employees effectively and maintaining ongoing communication are crucial to successfully implementing AI. Mark highlights that starting with high-volume, less complex pain areas allows for immediate impact and smoother adoption.Using the example of checking flight statuses—a high-volume but straightforward task—he illustrates how AI can significantly reduce customer queries and improve service efficiency. This approach serves as a training ground, gradually extending AI's application to more complex scenarios. Mark also touches on the importance of defining clear metrics for operational efficiency, customer experience, and cost savings to measure AI's success.Ultimately, he advises organizations to adopt a phased approach, beginning with manageable tasks to build trust and progressively enhancing AI capabilities. This ensures that AI is leveraged effectively to improve customer experiences and operational efficiency while managing risks and expectations realistically.Mac Munsayac, Head of Customer Experience, Philippine Airlines: A dynamic leader with 20 years of diverse leadership experience spanning global finance, business process outsourcing, and aviation. Currently serving as the head of PAL Customer Experience, he excels in fostering innovation, problem-solving, and maximizing organizational performance. In this capacity, he oversees initiatives aimed at enhancing passenger satisfaction, streamlining services, and elevating the overall customer journey. Beyond his professional pursuits, Mac is an avid traveler, deeply passionate about immersing himself in diverse cultures and experiences.Recorded 8 May 2024, 3pm, World Tour Essentials Asia 2024, Singapore Marina Bay Sands Convention Centre #mysecuritytv

She was absolutely determined to succeed. Hear how you can be too! I always want to bring interesting people to On the Brink with Andi Simon. You will love this interview with Maryles Casto. Her journey has been extraordinary, largely because of her ability to listen carefully, understand people's needs, and create solutions that are part of her personal style and amazing business savvy. Thanks to an unquenchable can-do attitude and sheer hard work, Maryles made her travel agency the go-to travel company in Silicon Valley, serving the biggest names in tech and beyond. Listen to her story, get inspired, and please share. Watch and listen to our conversation here About Maryles: “Asian hospitality with Yankee business sense” Born in the Philippines, Maryles Casto is a pioneering travel industry executive and entrepreneur with 47 years of experience founding and leading companies to profitability. A former Philippine Airlines flight attendant, Casto created and helmed Silicon Valley-based Casto Travel, the West Coast's largest privately owned travel management agency. (Casto Travel was frequently ranked among the Top 100 Fastest Growing Businesses in Silicon Valley and San Francisco, and ranked second in revenues among Silicon Valley women-owned businesses by Silicon Valley Business Journal in 2006.) In 2019, she sold the company to Flight Centre Travel Group of Australia. She is also the founder and owner of Casto Travel Philippines, Inc., as well as chairwoman and CEO of MVC Solutions, which provides travel industry businesses with back-office support, accounting and other services. Maryles has served on many business, civic and philanthropic boards, including the Commonwealth Club of California. She has been International Chair of the Committee of 200, an invitation-only group for the world's most successful entrepreneurs, and she is a founding member of the Northern California branch of the International Women's Forum. You can connect with Maryles on LinkedIn and her website, or email her at maryles.casto@castotravel.ph. Key takeaways from our interview: Business is all about anticipating the client's needs. If you can't believe in what you or your company is, how can you go out and sell? It's not what you do. It's what the clients are asking for. “There is a hole in the cloud, and whatever I do, I always have a hole in the cloud to get out.” It's time for us to be kind to each other. More stories of women who dreamed big and achieved success in business:  Debra Clary—Yes, You Can Become The Curious Leader You Were Meant To Be! Roseann and Clara Sunwoo—How Did Roseann And Clara Sunwoo Build A Successful Women's Fashion Brand? Gemma Toner—An Exciting Woman Took A Moment Of Inspiration To Transform Other Women Additional resources for you My two award-winning books: Rethink: Smashing The Myths of Women in Business and On the Brink: A Fresh Lens to Take Your Business to New Heights Our new book, Women Mean Business: Over 500 Insights from Extraordinary Leaders to Spark Your Success, co-authored by Edie Fraser, Robyn Freedman Spizman and Andi Simon, PhD Our website: Simon Associates Management Consultants Read the transcript of our podcast here  Andi Simon: We're giggling. But welcome to On the Brink With Andi Simon. I'm here to help you see, feel and think in new ways. My job is to get you off the brink, and our podcasts are here to bring people to you whom you might not know or meet people who have stories to share that are going to help you change your story. Now remember, every time you hear someone's story, your own brain begins to shift things around until you go, oh, I can do that! Or wow, what a great idea. And so the whole idea of a podcast, whether you visualize it and see it or you listen to it, is to help you see, feel and think in new ways so that you can soar. And that's why I bring wonderful people here, and people bring wonderful people to me. To be here today is just going to start out a little bit different. The co-author of our book, Edie Frazier, who is on the bottom of our screen here, she and I wrote Women Mean Business: Over 500 Insights from Extraordinary Leaders to Spark Your Success. And it's been quite a journey. And as Maryles Casto, who's come to us through Edie has said, is that turning a page and changing your life is really amazing. But that's what we wanted to do. And I wanted Edie to introduce Maryles to you, because she's very important in her own life. And then Maryles will talk about her own journey so that you can learn from it, because there's wisdom here that is going to be difficult to get from reading her bio or looking at her great website. So this is an opportunity for us to share. And in sharing, we can all grow together. Edie, thank you for joining us. Please, I can introduce Maryles Casto when you're done more formally, but this is so special for you. Please tell us about your experiences with Maryles Casto and why it makes you smile so.   Edie Frazier: A joy to say thank you to a dear friend, Maryles Casto, because we go years without talking to each other. But when we get together and reminisce, we think of the qualities of a leader, a true trailblazer, and the best of friends. You know, Maryles wrote her book A Hole In The Clouds: From Flight Attendant to Silicon Valley CEO. And she did it. And she built this major travel business where she was the icon, and she knew all the founders in Silicon Valley who trusted her, respected her, and built with her. And she built that business across the US and world and runs the business now in the Philippines from her home there. But she gives joy and support, and she's the best you can find and firm of that word trust and respect and caring and she lives a legacy. So Maryles, I just want to say thank you for the friendship and know your spirit is in each of us who have gotten to know you, adore you, and we've got years ahead to salute one another. But I just say to Maryles Casto, you are the true blue of the hole in the sky.  Andi Simon: Oh. Maryles Casto: I love you, too. Andi Simon: Edie, that's beautiful. Maryles, do you want to respond to Edie before she takes off?  Maryles Casto: That's what friends are for is our song. Keep smiling and that's what friends are for. And, Edie, I just want you to know, can I plug this? This is my book.  Andi Simon: Yes, of course.  Maryles Casto: That's for you. And I want to talk about why this cover. We can talk about it later because it's natural. It happened. And the world needs to read that book on the sky and the hole in the sky. We love you, buddy.  Andi Simon: This is such a wonderful way to introduce you. And maybe we will start almost with the book for a moment. But for my listeners, you know, before we jump in, I just want to give you a little context. Maryles Casto was born in the Philippines and lives in the United States and has for most of her life. She's a successful leader. But when you hear her story, she really is an explorer. And there's something about the way she has tackled her life and built something really special that's so important to share. But here's a quote that I think captures it. And remember, I'm an explorer. Sometimes I'm a philosopher or a futurist. But Maryles, listen, I care a great deal because we've been to 37 countries, not to the Philippines yet, but this is the way we discover. I've yet to see a problem where the best solution is to hide or be ignorant. It's only through contact with other cultures and peoples, and in their contact with us, that we can hope to bridge the divide between people of the world. As an anthropologist, my job is to help people see and feel and think in new ways through a fresh lens. And today, that's just what we're going to do. So I'm not going to read your bio, but I'm going to ask you to talk to our audience about your own journey. You started in the Philippines. You came here. You capture it much better than I could ever. And then what we'll do is, we'll sort of migrate into the lessons learned, the things that you, the wisdoms, you want others to understand. The kind of sharing person that you are and the kind of glorious life that you've lived. Maryles, please. Who's Maryles and how is this book been sort of this triumph of what's happened? Because we'll come back to your book.  Maryles Casto: Okay. So let me tell you a story. I was born in the Philippines, and I was raised on a sugar plantation. So that was my background with my family and I think my inspiration really comes from my mother because she was always so kind and because we were privileged. My friends were all the workers, the children of the workers. So I developed a kind of relationship where there was no class basis for me. I mean, everybody is the same. And so I really valued that. But also, my father was my closest friend. And I learned a lot from my father as well. And my father was very competitive. I remember one time, and this was when I was growing up in the Philippines, we have a fair every year, and so I was entered as one of the contestants. I wanted to be the queen. I wanted to win. It really started about wanting to win. We arranged it. There were three candidates. And the big dinner that night, it was a gala dinner, and they were contributing money in the ballot box. And I was watching my father, and I was competing with the Chinese woman. The father was very wealthy, and the father kept putting some money into the ballot box and my father was doing nothing and I thought, doesn't he realize I need to win. But what I did not realize, and this is my father's competition. You never let the competition know what you're doing. But he had already positioned somebody who was standing very close to the ballot box. And at the very last minute, maybe a minute before it closed, he drops this whole bundle of money. That's when I became the queen.  Andi Simon: Uh, that was not deception, but that was smart.  Maryles Casto: Smart because he knew that he had to do it this way. And so I learned that, and that I was one of my first lessons in my business. I can be very open, but also never give, you know, everything that you can in the competition. I never liked schooI because I always wanted to be outside. I get very bored, especially when they tell you to do number one, number two, number three. And all I could think about is, why not do number ten? What do we have to go through this whole process of developing? And I also couldn't pay attention. I didn't realize at that time that my world was outside and I was very mischievous. And I remembered one time when they were trying, it was a Catholic school run by the nuns who were very strict. Of course, the rebel in me already said, I don't like to lose. I don't like this, and I don't like you in a way. I was in class and I was doing something mischievous. And anyway, I was reported. And so they punished me. They punished me by walking around with this garbage can on my head. And so what did I do? I went into the classrooms and then I started dancing. So they didn't know what to do with me. But I created the whole fiesta. So I was already learning through all these things that I was doing, and I think I applied a lot of that in my business world because I never saw the challenges. I always just went. And I thought that, you know, I'm going to try it.  So I was in the Philippines. I ended up being a flight stewardess, and at the time, being a flight stewardess was the top of the field because when you were traveling, you were entertaining. And I learned so much when you were a flight attendant at that time. It took two months to train. You had to learn about the client's needs. It was very much anticipating the client's needs. A passenger came on board. That was your responsibility to make sure that they remembered what the flight was about. And you remembered everything about the passenger. So I was very focused on the passenger's relationship and how they felt. I was in the Philippines a long time, and I had never dated an American, and I was introduced to this American. And needless to say, after two days, I decided I was going to marry him. Of course, he didn't know anything about it. But when we have a mindset, he couldn't say no because I was determined. So needless to say, after that he fell in love with me, of course. And so we got married and I had to break this news to my father. Ah. My father. My father's Spanish, my mother's half Swiss. And he thought that this was just going to be one of those little romances. He had no idea that I was going to get married and move to this country. And it just broke his heart. But I was determined to come to this country, and I did. But my husband did not have any money. We had money, but my husband did not. And so it came to fruition when we were on our honeymoon, when all of a sudden we had to go on that $5 a day. Remember that book? And I thought, this is not going to work, because if I was hungry, I wanted to have this restaurant here. Now, we had to walk for 20 minutes to find a restaurant that was in that book. I hated that book. And then I realized that this was changing my life. And when we arrived in the United States, I had nothing. You couldn't fly as an airline stewardess if you were married. So I knew I had to do something. I remember one time we were going into this grocery store, and my husband was showing me comparison shopping, and I thought, why? And even now, I'm sorry to laugh. No, but, honey, I'm reading my book, and I'm laughing because I remember all this. I remember looking at this mayonnaise and he would say, well, what mayonnaise should you buy because of the ounces? And I thought, I have no idea. All I know is, it's my level. But I think my message is, I was having so much fun. Everything I did, I enjoyed. I was too passionate and so finally he said, you have to find a job. And so I thought, well, I don't have any experience. So he said, well what about Avon. And then I read something about Avon. So I thought, I can do that. So first I had to learn about cold calling because I'd never done anything cold calling. So we would practice. And this is so much fun, I mean, reliving what we had to go through. So I went on a cold call and I was petrified, I wouldn't get out of the car. I would knock on the door. Finally, I ended up buying all my things. And so I did not make any money and that was not my job. So I quit that and then ended up working for Macy's in the gift department, wrapped all the gifts, and I was so bad they fired me. So I thought, I've got to do something. And then a girlfriend said, why don't you become a travel agent? And that is how my world opened up. And when I started working for agencies, my first client in one agency that I worked with was Intel, and they were just a hundred people. And then I had GE. And so I started working in the corporate market. But I didn't last long because the owner was horrible. One thing I learned is, he did not take care of the employees. It was all about him and his family. But none of us were able to participate on trips. So I learned a lot about what not to do from him. And so, my girlfriend and I were running the corporate department. She was running the vacations, and I was getting so frustrated. And my husband said, why don't you start your own. I was petrified, I'd never done anything like this. But, you know, you try it. And with $1500 each, we partnered together and we opened this agency. But I did not tell anybody where we were going. I did not tell our clients. And so we opened this little agency in Los Altos. We had no money. We had Repo Depot, I mean, you know, name it. It's the same Silicon Valley how it started up, holding the hole in the ceiling. And I waited and waited and there was no clients because I had not told anybody. So I decided I was going to go cold calling, things that I hated the most. But I was dressed to the hilt, I had on my high heels, and I started walking around in the Silicon Valley park, and I was walking. And then I saw this gentleman that was standing, uh, it was a company called Rome Rollin. And of course they were bought by IBM. Very, very big now. And there was the owner, I think was in there in one of the corner suites with a glass window. And he was looking at me because I was pacing back and forth and he thought I was a street walker. You can not say the first street walker. And all of a sudden my heel broke. And so I'm limping towards this receptionist and I said, I need to see that man in the corner. And at that time, in the valley, you don't need reservations, you don't need appointments. Everybody could just walk in. So I walked in and he came out and then we became friends. And that was really the start of the whole Silicon Valley movement, because he was one of the founders. And through him, I started getting more and more business and then I got Steve Jobs and I got Apple. So it went crazy. And then again, I could talk about my story, but I know that there might be questions you might probably want to ask me.   Andi Simon: Well, but you see, in some ways you've given us a nice foundation for how to begin the challenges of, I don't know how to do that, and I really don't like to do this, but I tried that. And next thing you know, you and your friend and you still have to find some customers. And this isn't sort of it. They don't drop into your lap. Although I must confess that if you hang out, all of a sudden things begin to happen. You were talking to them and learning from them. You began to craft something other than booking a ticket on a plane to go somewhere. And what I loved about what you did was that you created something far bigger. And I have a hunch you began to see things that they would ask for and you'd figure out how to do. But I'm putting words into your mouth. So how did you grow? Because you didn't grow a little. You grow with a whole different mindset completely.  Maryles Casto: It was so fast. And I think there were so many. We were growing so fast. We couldn't control our growth. And, you know, since I was, and we talk about how you felt as being the first woman because there really was no one, there was no other woman. There were men in my industry, but I never even thought about it. All I knew was that I was not going to fail. I was going to do whatever it took to be successful, and I was damn good. I was very, very good. And I believed in that. Yes, because if you can't believe in what you or your company is, how can you even go out and sell? So I knew I would be pitching. I'd go in and before, I would pitch directly to the vice president or the presidents. But as it changed, you have to go through purchasing, you have to go through all this. So the dynamics change. But on a 1:1, give me the CEO. And I was a CEO and I would always say, I'm in the same seat as you are. If I founded this company with $1,500, and I would have this argument with Steve because I said, if you weren't given the $200 million, where would you be? So I was very respectful of them. But I also thought, you know, tell me when you have started your company on your own with the seat of your pants, and then I'll respect you more. So don't get any baloney about all this, you know, because anyway, I just went ahead. I just focused and I thought, I will make this happen. And again the growth. But then we also suffered because we couldn't perform as much as we wanted to because we were making mistakes. And finally I said, stop it. We're not accepting any clients. We have to figure out what is wrong with our company, because there definitely was something wrong. We were not delivering the product we talked about. We were not paying attention to the customer. So I decided we would clean house and we were hiring people we shouldn't have hired, I learned. And so gradually when we started saying, we can't accept the account, we can't accept. And then they respected me for that. And then gradually we started fixing. We did our own training. I'm very focused on customer service. For me it is my religion. And you have to pay attention. And it's not what you do. It's what the clients are asking for. And even long before that, I started doing profiles. Each of my clients that had this black book, I would write everything. Who wanted coffee, what kind of newspaper they had, every single detail. This was before anybody thought about putting it all down, but I did. And then I also came up with a new service. I decided I was going to do my own Visa passport. I did not want anything touching my client except me. So anything they needed, not just the travel part of it, it's how you get to the airport. So I had airport service, people with uniforms. They're all in the yellow necktie. I had a limo service that would pick up all my VIP clients. They didn't have to ask me. I anticipated every move they made because my responsibility is, one, they call Casto.  I was responsible for them from when they left for the airport or when they left their home until I brought them home. I was sitting on that flight with them. I was getting in the car with them. I was in the hotel with them. I thought about only the clients, so. And I made sure everyone in our company understood that we don't survive without our clients, but we have to think ahead and anticipate whatever they need.  Andi Simon: Let's think about it, though, because nobody came and said to you, you're missing a major part of the business. You're selling. You weren't selling anything, really. What you had done is become a colleague of your clients, right? An extraordinarily important part of their experiences. You were and it's really a beautiful story about, it's not a travel ticket. It's not a limousine. It's this whole experience where I don't want you to have to worry about a thing. And I understand the whole. So you didn't even have to tell them, do you want this or do you want that? You said, I got it all mapped out for you. You don't have to worry.  Maryles Casto: One call.  Andi Simon: One call. Now, how did you begin to scale? Because often I have entrepreneurs who arrive at 10 million or 20 million and want to scale to 100 million, and they're not sure how to do that. You scaled and you started to talk about training. I mean, that's really what we're talking about here, is scaling. How did you do it?  Maryles Casto: Well, I started buying agencies again. Recession, remember when we had this major recession. And I thought, this is an opportunity, I can buy now. And I decided I was buying agencies, but strategically, I had 15 offices all over the United States because it had to be a very strategic move. And by the time, we had offices everywhere, but we were also very strategic. I did not want to just be Silicon Valley. I would be putting all my eggs in one basket. So my offices were in San Jose, in Palo Alto. I decided I needed a different kind of a base. I needed the banks. I needed a government contract. So I went to San Francisco and expanded my business there. And then I decided I needed 24 hour service because a client doesn't end at 5:30. When they travel, what happens? You know, they have to have a way of calling us. I didn't want them to call the airlines. They were my clients. They were my responsibility. I couldn't grow in Silicon Valley anymore because we were all looking for the same, we needed people. So I was having lunch with one of the senators who had come to the Valley for a business opportunity, and he was the senator from South Dakota. And he said to me, you know, South Dakota, we could use some business. So I had never been to South Dakota, Rapid City. So I flew there with him. He said, let's just check it out. So we put a blind ad to just say that we were coming for interviews. We got 500. Work for you.  Andi Simon: Wow.  Maryles Casto: There is a market here. But what I wanted to do was put my training there. But I also wanted my 24 hour service. No one was offering 24 hour service at that time. The airlines were, but not any travel agency. So these were all the things. I shouldn't say I, because there were a lot of people involved. But I would say I had the vision that you have to look at and say, what now? What else can you do? How can you enhance your service? But what is it that the clients need? And so as we were developing the corporate market, there was no one who could touch us in the corporate market because we had every account there was. And I also worked very closely with a lot of the venture people. So when they were funding companies, of course, for travel, I owned it. Andi Simon: Branded you, right? They endorsed you and you just came along.  Maryles Casto: Yeah. I would say, you know, you're funding this company. How do you know they're protecting you? You know, travel is the second largest expense. Working with me, I will guarantee you, because I also bought stock for all these companies because I thought we have to be investors as well. So even if it's small. But I felt that every flight I was looking at that as a shareholder. Andi Simon: You are so wise. And so it's fascinating listening to you because once you got going, nothing stopped. You just keep figuring out pieces. You said something important, though, and it's not a bad time to sort of migrate into the team. How did you support yourself around you with smart people? And what were you looking for in that team? They gave you the ability to multiply. They were your multipliers. What kinds of folks came in and how? One of the things that I read was that you treated this like a family.   Maryles Casto: I wanted them to feel proud. I bought my partner out after two years, I felt like she was so worried about expanding. She was so worried about losing money. And I thought, you know what, we're still very small. If we lost money, if we went belly up, I want to build it up myself. I don't want to drag her down. So I bought her out. And then we had to come up with a name because at that time, I think we had nine employees. When I bought her out, she wanted to do the vacation side only. She was not interested in the rest of it. So I had to come up with them and I said, okay, what is our name going to be? Because our original name was Travel Experience. And so we had this powwow and they said, well, why don't we call it Casto, it's your name. And I thought, no, I have to be very careful because if I give you my name, you have to guarantee you're going to back it up. It's not just about me, it's about all of us. So I then created this where they had to belong to this elite group, which happened to be customer travel. So I had all of us in uniform. They helped design this uniform, and we would go to all the functions in our uniform.  Andi Simon: But you know the symbolic meaning of that. You know, you're a meaning maker and the symbolism is not inconsequential. They belonged. People wanted to belong. And therefore they knew how to behave, how to think. And they took it home to their families, and they were part of something much bigger than just having a job. Correct?  Maryles Casto: Yeah. I made them very proud of being part of us. I said, it's not me, it's us. The Casto is you together. Of course, everybody thought it was Castro. And they look at me and say, oh, Castro. No. There's no answer. But you know what it was. I mean, we had so much fun. We really did. We put events together and the company would come in with different hats. We come in with different costumes. And, I couldn't wait to get into the office. And they felt the same way. There was so much joy. Lots of sorrow, too. I mean, we cry. I mean, we all shared a divorce. But we were together.  Andi Simon: Yes.  Maryles Casto: And that is very important.  Andi Simon: Amazing, amazing, amazing because you did it and it worked. And it became something well beyond itself. I want to get to your book, but also you grew it and then you added new services and then you began to see it grow, and then you finally sold it. What was the impetus?  Maryles Casto: Well, you know, when we started the business, about five years later, we got a big offer. This company, and in fact, this is a funny story because this company was a very large company, and they were interested in buying us because they wanted to get into the Silicon Valley when it was just starting. It was getting a lot of attention. And so, they made an offer and I said, no, I didn't want to, but anyway. And he and I  had a good relationship because when Intel became such a big company, purchasing people came in, and then they decided I was too small now. And they were concerned about my capacity to service them. So he was very, very large, one of the largest agency in the United States. So they gave him the business. So we partnered together. And so that's when he really wanted to take my business. And me, I said, no, it wasn't going to work. So that was the first venture. And the second one was a company that was from Omaha, Nebraska, another very large company. And at that time we had Andy Grove, who became chairman of Intel. And Andy became a very good friend because, again, he was a client and he became a friend because I knew everything about his travel. And he was so paranoid that if I wasn't going to take care of him, something would happen to his travel. So the second offer came in and we said, okay, we'll take it seriously. The gentleman flew in from Omaha and somewhere, somehow, I just did not feel that they were the right partners. They didn't understand Silicon Valley. And I just felt that it's not going to grow. It didn't have the same spirit, they weren't willing to be, it takes a different personality. So we thought the deal was done. And at the last minute I had to call them to say, okay, you know, we've arranged it. I picked up the phone and I couldn't say yes. I said no, and oh my God, both my son and Andy were furious with me because I said no. And I said, it just can't work. So I knew that we had to do something. And because of my son, the offer came in and it was a really good offer, and we knew that the time would come that we would have to exit. And so we sold it two years ago. We sold it a month before the pandemic.  Andi Simon: Oh, my, timing is everything.   Maryles Casto: And now I'm a rich woman.  Andi Simon: But, you know, I have a hunch you've been rich through this whole journey, haven't you?  Maryles Casto: Yeah, I have, I have, yeah.  Andi Simon: You know, the financial richness is nice, but at the end of the day, I'm not sure you worked for work's sake. I think you worked for the absolute... Maryles Casto: Love of it.  Andi Simon: For the love, you know, for the joy that you gave others, for the way in which you helped their lives do better. Am I misreading that? And this was spiritual and almost religious on your part, right? Correct.  Maryles Casto: Yes. It was, it is, and it still is. I still communicate with the people that, when we sold the company, we always kept the Philippines. The Philippines when we were growing so fast and we knew that we had to expand. I wanted to expand internationally, and I knew it was either India or the Philippines, and I knew the Philippines because I was from the Philippines and I knew the customer service, all the technology driven, because our business was very technology driven. I knew it was about personal travel and I knew that hospitality. It's like somebody said, it's Asian hospitality with Yankee business sense. That's how somebody describes me.  Andi Simon: Well, that's terrific, but that's a great image of it, right? I mean, because you blended all of these together in such a way that you created a whole new way of doing things. But, my goodness, it worked, and it's really brilliant listening to you talk about it. Talk about the book. Was this a way of capturing this and having a legacy as a book about this journey that you just shared or something different?  Maryles Casto: You know, it was something that I knew that I felt like there was a book in the making. I just never got the chance to sit down. And this was after we sold the company, and I was in the house and I was meeting with some friends, and just all of a sudden it just came to me. I had to write my book. I said, I'm ready for that. And I thought the story had to be told. I wanted other people to read what I went through and how much I have enjoyed my life. And I wondered, my grandchildren, maybe not now, but later on when they're older. Of course I dedicated the book for them, but I don't think they fully understood the challenges. But when they're grown. And maybe one day when they have a business, they can look at my book and say, you know what, Grandma did something.  And I have to share the coverage. And remember, I was covered.  Andi Simon: Yeah. Tell us about the cover.  Maryles Casto: This cover was an actual one. And when I decided when we were doing so well and I thought, we needed exposure now. We wanted people to know more about Casto Travel, not just in the Valley, but other areas as well. And so I had this girlfriend who started her own business, a PR business. And so I called her as a brand and said, listen, I'm ready to do something. I want the exposure of Casto more globally or more internationally or more regionally. And so she said, okay. So San Jose Mercury News was going to do an article and the photographer said, I can do your shot, but I don't want to do it here. I have an idea. Meet me at the airport at 6:00 in the morning and we'll do a shoot. And I said, oh my God, what is this about? So I met him at the airport and he had this truck, and in this truck was this desk. And he told me, bring the thing that you really want to put on the table. And I said, okay. But I thought, well, maybe it's just at the airport. So I brought these two doves or two birds, because Casto Travel is all about birds because that was my logo. I want to fly. I want to spread my wings. So I brought these two birds and then I thought, where are we going? He said, just follow me. And at that time, nobody can tell you, there's no security, no nothing. So he drove this guy and his truck to the runway, and he put the desk in. He said, no, we'll stay here. Let's get this all organized and let's wait for the plane. I said, wait for the plane. It took three hours to get just the angle.  Andi Simon: Oh, God.  Maryles Casto: I'll put it up. I thought I had to use this book.  Andi Simon: Just come in so we can see it, put it up again and hold it there for a second. Ah, so that's you. And that's the plane over you and this story is as beautiful as the cover of the book. We would not know why that book cover is so important, but that is cool. That captures you, doesn't it?   Maryles Casto: And, you know, the flying was because my father, when we were little, when I was little, and I was growing up, my father had an airplane. He had a small airplane, and he would be traveling from different farms. I always loved to fly. And so my father and I would go up flying. And he would say, okay, Maryles, watch. Look for the hole in the clouds so that we could get in and we could fly higher, and then we would do our maneuvers. And that was in tribute to my father. There is a hole in the cloud, and whatever I do, I always have a hole in the cloud to get out.  Andi Simon: Yeah, but your whole life has been finding that hole in the clouds and soaring up through this to get on top. This is something. Sometimes I ask the people I'm interviewing about some lessons that you wish someone had told you then. But I think that your story isn't easy to capture in a lesson or two. Unless there's something you think your younger self wishes somebody had told you. Is there something that you can share?  Maryles Casto: Oh gosh, somebody told me and so many people told me things. I don't know. For me, it's maybe kindness. For me, it's not a word we use a lot, and it's time for us to be kind to each other. And you don't have to be a jerk. No, really, and I, this was my actual experience. I was invited by United Airlines to go to the Academy Awards. At the time, we were big producers of United. And so I went. And then that night, this was Pretty Woman. Remember that, Julia Roberts? Anyway, we were staying at this beautiful hotel, and when we were being picked up in the limo, they were invited too, Larry Allison was invited with his girlfriend, and she was just fantastic looking. And then John Chambers from Cisco, so we were all going together. And when we got down, the limo was there, the door opened, and Larry Allison came in and he closed the door. He says, I don't share my limo. This is an actual story. I don't share my room. And so we just looked at him because at that time, you can't find any limo, especially Academy Awards night. So he drove off and we had to find another limo. And that's when it's the yin and yang. And I said, you know, you really are a jerk. And here's John Chambers. He was so sweet. I mean, the difference between the personalities. And again, I just feel like, if you could just show a little bit more kindness and don't get into your ego. The ego is nothing. What does it really mean?   Andi Simon: Yeah. That's beautiful. The joy that you can give, the kindness that you can show elevates you and someone else. And then an act of kindness that stayed in your mind as a moment that you never want to do again. How can I be kind? Correct.  Maryles Casto: Okay. And that's why I think I'm doing what I'm doing now. I suppose I mentioned to you that I'm starting my foundation because that is what it is really about. I've been so fortunate. And look at me. I'm now into my old age and I love it. I love what I've lived, and I mean that I love it. For me, aging is not a disease. It's something to celebrate. How many of us can say, I've lived it.  Andi Simon: I know, but that's so important because it's true. We're at a point now where we can be. We don't have to become. We can just enjoy the moment.   Maryles Casto: Exactly. I love the whole process of aging. My body is what it is now, and I celebrate everything I have. I celebrate my hair. I no longer am going to dye my hair because I just love being white. I'm doing it. And I think that probably my message is just as we all go through our lives, enjoy the moments you have and don't worry about the rest of the nonsense. There's so much of that.  Andi Simon: I'm going to I wish I didn't have to, but we're going to say goodbye and I'm going to thank you. Thank you for joining me today. Thank you, Edie, for introducing you. But I can understand why her friendship and yours transformed both of you over time. Because Edie is quite remarkable. This has been a gift to me and to our listeners. So thank you. So I'm going to say to our listeners, thank you for coming to On the Brink. I know that today has taken you off the brink. And then we're going to all soar. But the message is kindness and acts of kindness bring joy. So let's not just be nice, help each other also. In our book Women Mean Business: Over 500 Insights from Extraordinary Leaders to Spark Your Success that Edie Frazier and myself have written with 102 women about their wisdoms. And like what you heard today from Maryles Casto, the wisdoms help change your own lives. And I will tell you that every event that we're running, people share their wisdom a little like this podcast. And when they do, they are changing. And I've had people who keep coming back and saying, let me tell you what I heard and what I want to share again, and what I care about and what I'm now becoming. I had one woman who had yellow marks on the whole book, and I went, oh my goodness, and couldn't wait to show me her yellow marks. She says, I'm a better leader today. And I went, man, can a book do that? It can. And Maryles Casto, thank you for joining us. So I'm going to thank you so much. Remember everybody to take your ideas, your observations, turn them into innovations. And you too can soar, like Maryles says.  Maryles Casto: Bye bye.   WOMEN MEAN BUSINESS® is a registered trademark of the National Association of Women Business Owners® (NAWBO)

Welcome to What's Up in Business Travel for Week 50 of 2023.  This is a weekly podcast from BusinessTravel360, where we update you on what's up this week in the world of business travel.  This podcast is great for those who need to know what's happening all in less than 15 minutes.Topics covered during this podcast -115M expected to travelChoice Hotels launches a hostile takeover bidUS issues $6B in high-speed Rail grantsSAF production to triple in 2024IRS hikes 2024 mileage rateUnited updates Perks PlusAmerican & Philippine Airlines launch codeshareAlaska adds Porter as Interline PartnerATPCO acquires 3VictorsMarriott & Singapore Airlines partnerNorse Atlantic launches Paris-Miami serviceAir Canada adds 5 new routesJetBlue to fly New York-TulumAccor plans 80 hotel openings in 2024Delta expands facial recognitionExpensify integrates with Booking.com for BusinessTune in every Monday morning to get your weekly update.  We hope you will make this a regular part of your week and listen in while you on the move or sitting back and sipping your coffee.You can subscribe to this podcast by searching 'BusinessTravel360' on Google Podcast, Apple Podcast, iHeart, Pandora, Spotify, Alexa or your favorite podcast player.This podcast was created, edited and distributed by BusinessTravel360.  Be sure to sign up for regular updates at BusinessTravel360.com - Enjoy!Support the show

What happens when as an eight-year-old, you are moved from Okinawa to Indiana, two more contrasting places you couldn't imagine? Well, for half-Japanese-half-American Michael Dykes, it was definitely “jarring”, but it taught him some valuable life lessons which have stood him in good stead in both his career and life.The Vice President, Market Management of Asia-Pacific for Expedia Group said growing up on a farm in rural America taught him self-sufficiency as well as an appreciation for the origin of food. It also made him determined to return to Japan, and Asia, where his heart is and so he made sure he never lost his Japanese language skills while building a new life in the US. In this podcast, Dykes talks about how countries in South-east Asia are more interwoven with each other – a lot of cultural awareness across boundaries, not seen so much in North-east Asia, which then leads to e-commerce in general, including travel, cutting across boundaries as well. Dykes also talks about Expedia's partnerships with Jetstar and Philippine Airlines, and a deal now with general e-commerce players such as G-Mart of South Korea. The company is also expanding the definition of B2B, and he sees opportunities within Asia-Pacific, both vertically and geographically, for Expedia to “power travel for everybody”.New episodes of Powering Travel coming in 2024.

In this special episode, Alex kicks things off with a roundup of all the happenings at Dubai Airshow, the blockbuster aircraft orders, and more. The duo then take a deep dive into US air travel, and why it's quite unlike every other air travel market on Earth. Plus... insight on the world's most "secret" airline that's based out of Las Vegas. Just don't tell anyone about it.------------------------Please send us your questions, topics, or opinions via direct message on Instagram below.Follow Nonstop Dan on YouTube and Instagram.Follow Alex Macheras on X (Twitter) and Instagram.Contact for sponsorship: collabs@nonstopdan.com------------------------Dubai Airshow Roundup EgyptAir plans to configure its A350s with 340 seats. This will eventually replace the carrier's current Boeing 777-300/ER configured with 346 seats.Ethiopian Airlines Orders Up to 98 Boeing 787 & 737 MAXairBaltic Orders Up to 50 Airbus A220Royal Jordanian Orders 4 More Boeing 787-9 Dreamliners, Royal Air Maroc ordered two Emirates placed a huge aircraft order for 90 Boeing 777X airplanes, including 55 777-9 and 35 777-8 jets. The new order increases Emirates' 777X family backlog to 205 jets.Emirates is also buying five more 787 jets – growing its 787 backlog to 35 – (while converting 30 787-9s to 20 787-8 and 10 787-10 jets).FlyDubai (part of the Emirates group) has also ordered 30 Boeing 787-9 Dreamliner jets — the aircraft will be the first long-haul, widebody jets to fly for the Emirati low-cost carrier.Almost 50% of all aircraft deliveries to Middle East airlines over the next 20 years will be long-haul widebody jets There is a long wait to get those bigger 777Xs, which won't enter service before 2025, fully five years late.This week, Philippine Airlines and EVA Air of Taiwan bought A350-1000s instead of waiting for the 777X to replace their older 777s.Boeing launched at the Dubai Air Show exactly 10 years ago with big orders from gold-plated airlines Qatar, Emirates of Dubai, Etihad of Abu Dhabi US Air Travel Deep diveBoeing 757s, Boeing 767sRolls Royce EnginesUS airlines flying older planesAirlines Retiring 747s Flying Low-Cost in the United StatesUS airline (never-ending) boarding groupsFlying First Class in the US Free Upgrades on US Carriers United, Delta, American Airlines Successful Legal Action Against AirlinesThe Secret US airline "Janet" and its missions in Area 51 

Fight Flight Freeze --- Send in a voice message: https://podcasters.spotify.com/pod/show/thepodcrashed/message Support this podcast: https://podcasters.spotify.com/pod/show/thepodcrashed/support

There's no such thing as being too old to achieve anything, proves this former stay-at-home mom who made a name for herself in at age 49 as the first female and first Filipino-American executive chef at Hollywood's iconic Yamashiro restaurant. There, she enjoyed fame and success cooking for celebrities such as Bruno Mars, Cardi B, Jojo Siwa, Paris Hilton, H.E.R., Jennifer Hudson, and JoKoy. In 2023, she moved back to the Philippines after over 30 years after she was named Philippine Airlines' Assistant Vice President for Catering Operations. But she was no overnight success. Her journey started when she was born in her grandfather's bakery in San Nicolas, Ilocos Norte. She was always passionate about food and loved to bake and cook, but she was preoccupied with motherhood. She was a medical biller, makeup artist, and real estate agent before she finally decided to get a culinary degree from the Academy of Culinary Education in California, but still “just for fun.” After graduation, she resumed housewifehood for two more years until a friend urged her to apply at Yamashiro for an opening for a pastry chef. She did so reluctantly, and was shocked to get the job—and to have to fight for survival in the toxic macho environment of an all-male kitchen. Listen to this episode to hear the rest of this inspiring story!

There's no such thing as being too old to achieve anything, proves this former stay-at-home mom who made a name for herself in at age 49 as the first female and first Filipino-American executive chef at Hollywood's iconic Yamashiro restaurant. There, she enjoyed fame and success cooking for celebrities such as Bruno Mars, Cardi B, Jojo Siwa, Paris Hilton, H.E.R., Jennifer Hudson, and JoKoy. In 2023, she moved back to the Philippines after over 30 years after she was named Philippine Airlines' Assistant Vice President for Catering Operations. But she was no overnight success. Her journey started when she was born in her grandfather's bakery in San Nicolas, Ilocos Norte. She was always passionate about food and loved to bake and cook, but she was preoccupied with motherhood. She was a medical biller, makeup artist, and real estate agent before she finally decided to get a culinary degree from the Academy of Culinary Education in California, but still “just for fun.” After graduation, she resumed housewifehood for two more years until a friend urged her to apply at Yamashiro for an opening for a pastry chef. She did so reluctantly, and was shocked to get the job—and to have to fight for survival in the toxic macho environment of an all-male kitchen. Listen to this episode to hear the rest of this inspiring story!

A personal and policy-oriented analysis of the troubles of the once-shining airlines of Asia.

Gustavo Sorola and Chris Demarais figure out how a terrorist bomb explosion failed to bring down Philippine Airlines Flight 434. With the aid of a competent crew and quick thinking, the aircraft managed to land safely with the tragic loss of one passenger. Find out what happened on this episode of Black Box Down. This episode brought to you by Aura Frames, go to http://auraframes.com and use code BLACKBOXDOWN to get free shipping at checkout, and Rocket Money, go to http://rocketmoney.com/BLACKBOXDOWN to cancel you unwanted subscriptions. Find us on social media and buy our merch here! https://linktr.ee/BlackBoxDownPod Go to blackboxdownpod.com to support us directly!  Download the public audio version https://link.chtbl.com/blackboxdown.  Already a FIRST Member and need your Private RSS feed for this show? Go here: http://bit.ly/FIRSTRSS. Learn more about your ad choices. Visit megaphone.fm/adchoices

Philippine Airlines will begin its direct flights from Manila to Perth, Western Australia from 27 March. - Philippine Airlines direct flights mula sa Manila patungong Perth sa Western Australia, at pabalik, simula sa ika 27 ng Marso.

Hii Founders! Welcome back to Hangat! Segmen dari Teman Startup di mana kami merangkum berita-berita hangat yang terjadi minggu lalu! Lumayan buat kalian yang ketinggalan berita, nyari ide konten, atau buat bahan ngobrol kalau ketemu orang nanti. Drop berita Hangat yang kamu dengar minggu ini di Instagram @temanstartup untuk difitur di episode berita Hangat minggu depan.

December 11, 1994. As the JTTF chases Ramzi Yousef around the world, a bomb explodes on a Philippine Airlines flight. Could this be the work of Ramzi Yousef, America's most wanted terrorist?Operation: Tradebom is an Apple Original podcast, produced by Truth Media in partnership with Brillstein Entertainment Partners. Listen and follow on Apple Podcasts.https://apple.co/operation-tradebom

Philippine Airlines announced its flights between Perth and Manila starting on 27 March 2023. - Magsisimula na ang non-stop flights ng Philippine Airlines sa pagitan ng Perth at Manila mula ika-27 ng Marso 2022.

IM BACK, and hopefully for good. Can you believe it's been more than 160 here in the Philippines? It's been a ride and if you're reading this you're new or a die hard. Either way, I welcome you to my pod. Enjoy!Here's the Mexican Restaurant I was talking about: https://fairfieldmexicanrestaurant.comcheck me out on youtube: https://www.youtube.com/@Kuya_RJ/featured Follow me on IG: https://www.instagram.com/rjohnskee/?hl=enFollow me on tiktok: https://www.tiktok.com/discover/reesejohnnn

Creating The American Dream Is Alive And Well! You're going to love Episode 13 of the 'Transformation Starts Today' podcast with my friend and real estate queen, Chat Sarmiento-Steinwald! Here's some background about Chat: Chat is an entrepreneur, a full-time real estate investor and the founder and President of CHASTE EQUITY PARTNERS, LLC. She is a native of the Philippines who migrated to Los Angeles in 1983, armed with a hundred dollars and a degree in accounting, a free fare from her former employer Philippine Airlines as an Accounts Analyst, and a fearless drive to pursue the American dream.  Chat is passionate about helping others through educating and empowering women in multifamily investing. Chat co-founded a women's group focusing on multifamily investing called Multifamily Women's Mastermind with almost 1000 active members of woman's apartment owners, operators and investors, all collaborating and supporting each other. Here are some ways to connect with Chat:  Facebook - https://www.facebook.com/Chat.SarmientoSteinwald/ Instagram - https://www.instagram.com/chat.sarmiento.steinwald/ LinkedIn- https://www.linkedin.com/in/chat-sarmiento-steinwald-a8aba2191/ Dr. Jamil Sayegh – Life, Business, and Relationship Coach, Licensed Naturopathic Doctor  How I Can Support You: https://jamilsayegh.com/coaching1/ Past Client Stories: https://jamilsayegh.com/client-testimonials/ Email: jamilsayegh189@gmail.com Instagram: https://www.instagram.com/drjamilsayegh/ or @drjamilsayegh Facebook: https://www.facebook.com/jamil.sayegh Linkedin: https://www.linkedin.com/in/dr-jamil-sayegh-402aa416b/ Free Ebook: 20 Steps To Your Next Breakthrough: https://jamilsayegh.com/20-steps-to-your-next-breakthrough/ Audiobook Version of 20 Steps To Your Next Breakthrough: https://jamilsayegh.com/audiobook/

Avation PLC Finance Director, Richard Wolanski presents at the One2One Investor Forum - May 26th 2022 Avation PLC is a specialist commercial passenger aircraft leasing company managing a fleet of aircraft which it leases to airlines across the world. The company's customers include Loganair, easyJet, Eva Air, Philippine Airlines, Air India, Vietjet Air, Fiji Airways, Mandarin Airlines, Cebu Pacific, Garuda Indonesia, airBaltic and Danish Air Transport.

Mabuhay!

On December 11th 1994, highly skilled bomb maker and terrorist, Ramzi Yousef boarded Philippine Airlines flight 434 with service to Tokyo with intent to kill everyone on board. He had created a highly lethal liquid explosive that he was able to get through security by concealing it in a saline solution bottle. After assembling the bomb in the bathroom on board the aircraft, he walked back to his seat and planted it in the lifejacket pocket under his seat. After the plane landed in Cebu, he departed as 256 new passengers got on board for what would turn into a terrifying crime scene.Get that water!!! --> https://liquiddeath.pxf.io/c/2974798/1057749/13543Shop LiquidDeath Apparel --> https://liquiddeath.pxf.io/c/2974798/1131140/13543Promo code FREEKOOZIEAF at checkout to get a free koozie with your first case of water

In her new book, A Hole in the Clouds, Maryles Casto shares how, as part of the dramatic economic growth of Silicon Valley, she built her travel business from a $1,500 startup to a $200 million company, serving the needs of the tech industry. She describes how advice from key industry pioneers—such as Intel's Andy Grove and Robert Noyce and V.C.s William Bowes and Irwin Federman—contributed to her perspective on business, and offers invaluable lessons on her strategies that helped the business to thrive despite being in an industry threatened by extinction. She describes how her business success then led her to champion community and cultural organizations. When Maryles Casto left her family's sugar plantation in the Philippines in 1959 and moved to the United States as a new bride, she brought with her a love for travel and the stellar customer-service experience she'd gained as a flight attendant for Philippine Airlines. She never imagined she'd be building a business from scratch in an unfamiliar country. But when her husband went back to school, she needed to find a job. She founded Casto Travel soon after, a company she ran for more than four decades. Join us as Maryles Casto discusses the true story of how she transformed her life from unemployed flight attendant into the CEO of one of the most successful travel companies in the country, and of the many interesting characters she has met along the way! NOTES This program is part of The Commonwealth Club's Good Lit series, underwritten by the Bernard Osher Foundation. SPEAKERS Maryles Casto Chairman and CEO, MVC Solutions; Author, A Hole in the Clouds: From Flight Attendant to Silicon Valley CEO In Conversation with Dr. Gloria Duffy President and CEO, The Commonwealth Club of California In response to the COVID-19 pandemic, we are currently hosting all of our live programming via YouTube live stream. This program was recorded via video conference on November 15th, 2021 by the Commonwealth Club of California. Learn more about your ad choices. Visit megaphone.fm/adchoices

In her new book, A Hole in the Clouds, Maryles Casto shares how, as part of the dramatic economic growth of Silicon Valley, she built her travel business from a $1,500 startup to a $200 million company, serving the needs of the tech industry. She describes how advice from key industry pioneers—such as Intel's Andy Grove and Robert Noyce and V.C.s William Bowes and Irwin Federman—contributed to her perspective on business, and offers invaluable lessons on her strategies that helped the business to thrive despite being in an industry threatened by extinction. She describes how her business success then led her to champion community and cultural organizations. When Maryles Casto left her family's sugar plantation in the Philippines in 1959 and moved to the United States as a new bride, she brought with her a love for travel and the stellar customer-service experience she'd gained as a flight attendant for Philippine Airlines. She never imagined she'd be building a business from scratch in an unfamiliar country. But when her husband went back to school, she needed to find a job. She founded Casto Travel soon after, a company she ran for more than four decades. Join us as Maryles Casto discusses the true story of how she transformed her life from unemployed flight attendant into the CEO of one of the most successful travel companies in the country, and of the many interesting characters she has met along the way! NOTES This program is part of The Commonwealth Club's Good Lit series, underwritten by the Bernard Osher Foundation. SPEAKERS Maryles Casto Chairman and CEO, MVC Solutions; Author, A Hole in the Clouds: From Flight Attendant to Silicon Valley CEO In Conversation with Dr. Gloria Duffy President and CEO, The Commonwealth Club of California In response to the COVID-19 pandemic, we are currently hosting all of our live programming via YouTube live stream. This program was recorded via video conference on November 15th, 2021 by the Commonwealth Club of California. Learn more about your ad choices. Visit megaphone.fm/adchoices

On December 11, 1994, Philippine Airlines Flight 434 was more than halfway to its destination when a shocking explosion led to chaos onboard. In this week's episode, Stephanie tells the story of the desperate bid to save the plane and its passengers as well as the horrific origins of the explosion-- and it's shocking ties to another well-known incident half a world away.

Edward "Ned" Russell and Madhu Unnikrishnan talk about why Philippines Airlines Chapter 11 surprised no one. The two also discuss Porter's restart flights, and Ryanair's latest fight with Boeing.

The last few days have been memorable for the ASEAN aviation sector, not just because of the arrival of the first flight from Germany via Singapore's Visitors Travel Lane, but also because the region's oldest airline, Philippine Airlines, filed for bankruptcy protection. Shukor Yusof, founder of Endau Analytics, joined us on Across the ASEAN to discuss the state of Southeast Asia's airlines, if others may also be at bankruptcy risks, and if Singapore's travel lanes will make a positive impact on Singapore Airlines' operations.See omnystudio.com/listener for privacy information.

This week, a brief update on New Zealand and the state of the lockdown, news out of Italy, Abu Dhabi, Australia and Russia. News for Turkish and Philippine Airlines as well as Delta Airlines. Lee announces the winner for Blue Marine Travel's photo competition! Links: Australia exemption request - http://www.travel-exemptions.homeaffairs.gov.au/ Andrea Lastin - photo competition winner https://www.linkedin.com/in/andrea-lastin-77227b86/ Charity- www.pencilsofpromise.org Website for details and photos: www.bluemarinetravel.com/photo-competition/ Send email to crewtravelupdates@gmail.com if you have crew questions BMT operates 24 hours a day, 7 days a week, 365 days a year. Contact us on blue@bluemarinetravel.com or +44 (0) 1279 661 000 For Lee Harris and daily travel updates: https://lnkd.in/dMJ28rT To get in touch with Blue Marine Travel for all your travel needs head over to their website at bluemarinetravel.com @bluemarinetravel #travel #yachting #yachtcrew #repatriation #travelblogger #adventure #trip #traveling #explore #vacation #landscape #travelling #crew #maritime #superyachts #yachtcharter #yachbroker #yachts #yachtinglifestyle #luxury #luxurylifestyle #yachting #yachtcrew #crewtravel #yachtinginternationalradio

A watch, a battery, a bottle of saline solution, a glorious 747, the Pope, some excellent local police work, our girl Ada, 2 million dollars and the capture of Ramzi Yousef. Also my mom. --- Send in a voice message: https://anchor.fm/thepodcrashed/message Support this podcast: https://anchor.fm/thepodcrashed/support

Most of us are familiar with Inka Magnaye's story. How she shot to fame in early 2020, thanks to her video doing the Philippine Airlines in-flight spiels with mom and colleague Lindy Pellicer. That Inka comes from a family of voice talents, and hosts "Sleeping Pill," the first Filipino ASMR podcast. But few are probably aware that it took a freak accident, a penchant for self-learning, and two decades of hard work. Learn more about Inka's journey in this interview, recorded on August 26, 2021.

Most of us are familiar with Inka Magnaye's story. How she shot to fame in early 2020, thanks to her video doing the Philippine Airlines in-flight spiels with mom and colleague Lindy Pellicer. That Inka comes from a family of voice talents, and hosts "Sleeping Pill," the first Filipino ASMR podcast. But few are probably aware that it took a freak accident, a penchant for self-learning, and two decades of hard work. Learn more about Inka's journey in this interview, recorded on August 26, 2021.

Airlines have felt the brunt of the collapse of international travel in South East Asia since borders were closed in March 2020. This week, Gary and Hannah talk all things aviation and airlines with Singapore-based Brendan Sobie, founder of Sobie Aviation. We discuss the varying challenges facing flag carriers in South East Asia, including Singapore Airlines, Malaysia Airlines, Thai Airways, Garuda Indonesia and Philippine Airlines. Also, how can LCCs manage to survive if an international travel recovery doesn't occur any time soon? Against this backdrop, new airlines are making applications to operate, so could the aviation market in Asia Pacific look very different in the coming years? Plus, we talk about the new EU-ASEAN Air Transport Agreement and compare the 2021 outlook for long-haul and short-haul markets. Finally, we assess whether the Phuket Sandbox - and the phased reopening of Thailand - presents a viable model for other countries to welcome back vaccinated leisure travellers.

Muling nagorganisa ng special flights ang Philippine Airlines at Philippine Embassy para sa mga nagnanais umuwi sa Pilipinas.

Articles I discussed on this episode: Bilyonaryo: Monzon: White knight needed to save Abra Mining from PSE delisting ➜ https://tinyurl.com/4wrz9v8j Bilyonaryo: P32 swap price: Ayala Land to pour in P15B commercial properties to AREIT ➜ https://tinyurl.com/pht2rzy9 BusinessWorld: NGCP taps banks for $1.5-billion IPO ➜ https://tinyurl.com/kdhjmhzf BusinessWorld: PSE forecasts first-half IPOs to raise $2.4 billion ➜ https://tinyurl.com/7sw76cnd BusinessWorld: 80-year-old Philippine Airlines to stay aloft, COO says ➜ https://tinyurl.com/3y4zhcj6 BusinessWorld: Semirara Mining and Power allocates P4-B capex for 2021 ➜ https://tinyurl.com/etnvvxa6

You may recognize Lindy Magnaye's voice from her daughter Inka Magnaye's Tiktok videos. But she's more than just a side character in those videos! Lindy is a radio and voice-over veteran, going as far back as the 80s! She's got stories about being the signature voice for brands like Philippine Airlines, raising her children (including Inka and Renzo) around microphones, studios, and radio stations, and being one of the OGs of Wave 89.1! She also gets candid about how she feels about her children pursuing creative careers much like she has. All of those stories and more are on deck! DISCLAIMER: The views and opinions expressed by the podcast creators, hosts, and guests do not necessarily reflect the official policy and position of Podcast Network Asia. Any content provided by the people on the podcast are of their own opinion, and are not intended to malign any religion, ethnic group, club, organization, company, individual, or anyone or anything.

You have to feel the fear and do it anyway. On today's episode, we talk with Chat Sarmiento-Steinwald, multifamily syndicator and investor, about how you can overcome fear and manifest the life you want through real estate investing. After the sudden death of her husband, Chat began investing in real estate as a necessity. Through education and networking, she began to invest in apartment syndications and then transitioned to become a general partner. We discuss with Chat how to bring value to a team, what questions to ask when choosing a team, and resources you can use to under write large syndication deals. Chat also shares how she overcame the challenges she faced as a female in a male dominated industry. Chat Sarmiento-Steinwald is a native of the Philippines. Her dream, as a child, just like any other Filipino was to live in America. As a best laid plan to pursue her dream to come to America, she worked as an Accounts Analyst with Philippine Airlines for two years to use her travel benefit to migrate to the USA. She migrated to Los Angeles at the age of 23, armed with a hundred dollars and a degree in accounting and a fearless drive for the American dream. After landing a job at Dunn & Bradstreet as a Trust Accountant, becoming a mother, and opening an award-winning spa, she decided to focus on multi-family and commercial real estate investing. Chat has become a limited partner in 800 apartment units and a GP in over 400 units. Chat has also co-founded a women's group focusing on Multifamily investing called Multifamily Women's Mastermind with over 500 very successful and active members in the industry. She is also a chapter leader and host for a meet up in Los Angeles area. Chat loves to travel and loves to give back and plans to do more philanthropic works in the near future. On today's episode, we discuss a ton with Chat including: Ways to learn about multifamily syndication How to transition from a limited to a general partner What questions to ask when evaluating a potential syndication team How to invest by showcasing the value you can provide others The importance of knowing your value Books/Resources Rich Dad Poor Dad by Robert Kiyosaki The Only Woman in the Room Compiled by Ashley Wilson   Contact Information Facebook – Chat Sarmiento-Steinwald IG – Chat Sarmiento-Steinwald chasteinvestments@gmail.com   We have partnered with the Best Ever Conference to offer our InvestHER community discounted tickets for this year's virtual conference that is happening from February 18 - 21!   If you are looking to invest in Commercial Real Estate...this virtual conference is a MUST attend!! This year's virtual conference will feature hand-picked industry leading speakers, free mini-coaching sessions, exclusive content on member's only Facebook and LinkedIn group pages and much more!   Liz, one of the founders of InvestHER, is so excited to be speaking at this year's conference! Liz began investing in 2005 with very little of her own money. Her company now owns and controls over 1000 units of residential and commercial assets throughout the east coast. She has put together a powerful session called “How to Build a Powerhouse Investing Team.” She will be discussing the critical steps to finding, cultivating, and growing a successful team and/or partnership. You will walk away with new insights and strategies to form the perfect team to achieve your real estate investing goals! Although the ticket price is going up every week, we were able to "lock in" a ticket price of $547 for our InvestHER community!  CLICK HERE TO BUY YOUR TICKET!  https://www.bec2021.com/investher And, special bonus, if you are a STRIVE InvestHER Member, you will receive an extra 35% OFF! If you are a SOAR member, you will receive an extra 20% off!  Just head over to the STRIVE and SOAR FB Groups to get the coupon code!  InvestHER Community Our mission is to support and inspire women real estate investors around the globe to live a financially free and balanced life. We are dedicated to creating empowering online and in person communities where women have a non-intimidating environment to ask questions and receive the support they need. Our vision is to see all woman investors achieve her financial freedom goals on her own terms. How To Join the InvestHER Movement   1)  The Real Estate InvestHER Podcast - The weekly show details the journey of some of the most amazing women real estate investors around the world, who open up their lives and share practical and strategic tools for growing a rental portfolio, flipping houses and the mindset that allows them to run a successful investing business while taking care of their families and most importantly taking care of themselves.    Subscribe via Itunes  Subscribe via Android  Subscribe via Stitcher 2)  InvestHER Community on Facebook  We have 2k+ members in our Facebook InvestHER Community (and growing!) This is a safe place for women to ask real estate investing questions and gain the support they need to achieve their goals!   3) InvestHER Meetups Around the Globe We have over 4k+ meetup members attending close to 25 InvestHER Meetups across the country and Canada.  Meetups are being held monthly by experienced InvestHER Leaders! Learn more about our InvestHER leaders, meetup locations, and how to become an InvestHER Leader HERE! Follow us on: Facebook: @therealestateinvesther Instagram: @therealestateinvesther Learn more about your ad choices. Visit megaphone.fm/adchoices

You have to feel the fear and do it anyway. On today's episode, we talk with Chat Sarmiento-Steinwald, multifamily syndicator and investor, about how you can overcome fear and manifest the life you want through real estate investing. After the sudden death of her husband, Chat began investing in real estate as a necessity. Through education and networking, she began to invest in apartment syndications and then transitioned to become a general partner. We discuss with Chat how to bring value to a team, what questions to ask when choosing a team, and resources you can use to under write large syndication deals. Chat also shares how she overcame the challenges she faced as a female in a male dominated industry. Chat Sarmiento-Steinwald is a native of the Philippines. Her dream, as a child, just like any other Filipino was to live in America. As a best laid plan to pursue her dream to come to America, she worked as an Accounts Analyst with Philippine Airlines for two years to use her travel benefit to migrate to the USA. She migrated to Los Angeles at the age of 23, armed with a hundred dollars and a degree in accounting and a fearless drive for the American dream. After landing a job at Dunn & Bradstreet as a Trust Accountant, becoming a mother, and opening an award-winning spa, she decided to focus on multi-family and commercial real estate investing. Chat has become a limited partner in 800 apartment units and a GP in over 400 units. Chat has also co-founded a women's group focusing on Multifamily investing called Multifamily Women's Mastermind with over 500 very successful and active members in the industry. She is also a chapter leader and host for a meet up in Los Angeles area. Chat loves to travel and loves to give back and plans to do more philanthropic works in the near future. On today's episode, we discuss a ton with Chat including: Ways to learn about multifamily syndication How to transition from a limited to a general partner What questions to ask when evaluating a potential syndication team How to invest by showcasing the value you can provide others The importance of knowing your value Books/Resources Rich Dad Poor Dad by Robert Kiyosaki The Only Woman in the Room Compiled by Ashley Wilson   Contact Information Facebook – Chat Sarmiento-Steinwald IG – Chat Sarmiento-Steinwald chasteinvestments@gmail.com   We have partnered with the Best Ever Conference to offer our InvestHER community discounted tickets for this year's virtual conference that is happening from February 18 - 21!   If you are looking to invest in Commercial Real Estate...this virtual conference is a MUST attend!! This year's virtual conference will feature hand-picked industry leading speakers, free mini-coaching sessions, exclusive content on member's only Facebook and LinkedIn group pages and much more!   Liz, one of the founders of InvestHER, is so excited to be speaking at this year's conference! Liz began investing in 2005 with very little of her own money. Her company now owns and controls over 1000 units of residential and commercial assets throughout the east coast. She has put together a powerful session called “How to Build a Powerhouse Investing Team.” She will be discussing the critical steps to finding, cultivating, and growing a successful team and/or partnership. You will walk away with new insights and strategies to form the perfect team to achieve your real estate investing goals! Although the ticket price is going up every week, we were able to "lock in" a ticket price of $547 for our InvestHER community!  CLICK HERE TO BUY YOUR TICKET!  https://www.bec2021.com/investher And, special bonus, if you are a STRIVE InvestHER Member, you will receive an extra 35% OFF! If you are a SOAR member, you will receive an extra 20% off!  Just head over to the STRIVE and SOAR FB Groups to get the coupon code!  InvestHER Community Our mission is to support and inspire women real estate investors around the globe to live a financially free and balanced life. We are dedicated to creating empowering online and in person communities where women have a non-intimidating environment to ask questions and receive the support they need. Our vision is to see all woman investors achieve her financial freedom goals on her own terms. How To Join the InvestHER Movement   1)  The Real Estate InvestHER Podcast - The weekly show details the journey of some of the most amazing women real estate investors around the world, who open up their lives and share practical and strategic tools for growing a rental portfolio, flipping houses and the mindset that allows them to run a successful investing business while taking care of their families and most importantly taking care of themselves.    Subscribe via Itunes  Subscribe via Android  Subscribe via Stitcher 2)  InvestHER Community on Facebook  We have 2k+ members in our Facebook InvestHER Community (and growing!) This is a safe place for women to ask real estate investing questions and gain the support they need to achieve their goals!   3) InvestHER Meetups Around the Globe We have over 4k+ meetup members attending close to 25 InvestHER Meetups across the country and Canada.  Meetups are being held monthly by experienced InvestHER Leaders! Learn more about our InvestHER leaders, meetup locations, and how to become an InvestHER Leader HERE! Follow us on: Facebook: @therealestateinvesther Instagram: @therealestateinvesther

At any other time and place, filming a video of yourself doing aerobics to some dangdut wouldn't be considered that noteworthy. But for Khing Hnin Wai, it was what catapulted her into the spotlight. All it took was to accidentally capture the moment a coup unfolded behind her. We speak with Matthew (Min Ye Kyaw) from Coconuts Yangon about the historic moment.Other stories include:Elderly Thai man in San Francisco killed by teen in unprovoked attack | Foreign tourist arrivals in Bali hit decade low | Nunuk Nuraini, the woman behind Indomie's iconic flavors, dies at 59 | Bakery chain Maxim's fined after customer finds lizard in pork bun | All eyes on Minister Annuar Musa's fancy watch during speech on poverty | Philippine Airlines to retrench 2,300 workers as COVID decimates travel industry | ‘Not fathomable or even believable' that gov't misspoke on TraceTogether: Singapore opposition leaderThe Coconuts Podcast delivers impactful, weird, and wonderful reporting by our journalists on the ground in eight cities: Singapore, Bangkok, Hong Kong, Manila, Jakarta, Kuala Lumpur, Yangon, and Bali. Listen to headline news and insightful interviews on matters large and small, designed for people located in – or curious about – Southeast Asia and Hong Kong.

This week brings news again out of Australia, British Airways banned from Hong Kong for two weeks due to breaking Covid Rules, news from Cathay Pacific, Easy Jet launches a new concept of at home service in London, and of course, Crew Questions.Cathay Pacific Zoom insurance hotline 24/7• 24/7 emergency hotline – the use of the AXA's 24/7 Emergency Assistance hotline on +852 2863 5785 (or WhatsApp message to +852 2863 5784).Dates for Philippine Airlines flights London - ManilaThursday 17th DecemberSaturday 19th DecemberAndTuesday 29th DecemberThere are also flights operating early January, on the 05th, 07th and 09th of the month.Any questions that you may have in regards to crew travel info you would like addressed on the next show, please send an email to crewtravelupdates@gmail.comFor Lee Harris and daily travel updates: https://www.linkedin.com/in/lee-harris-68254718a/To get in touch with Blue Marine Travel for all your travel needs head over to their website at bluemarinetravel.com#travel #yachting #yachtcrew #repatriation #travelblogger #adventure #trip #traveling #explore #vacation #landscape #travelling #crew #maritime #superyachts #yachtcharter #yachbroker #yachts #yachtinglifestyle #luxury #luxurylifestyle #yachting #yachtcrew #crewtravel

Episode 129 - Nov 16, 2020

Stan talks to an iconic voice, who also happens to be his favorite college professor! You've definitely heard Pinky Aseron's voice from Globe's "the subscriber cannot be reached" prompt, the LRT-2, and Philippine Airlines! What you probably don't realize is that she's got a wealth of experience and insights from over three decades in radio and television! If you've ever wanted to get to know the story behind one of the most recognizable voices in the Philippines, this episode is for you.

In this episode we talk about the Philippine government shutting down the largest media company in the Philippines. We also hear the comments of US Secretary of State Mike Pompeo on the South China Sea. We report on the deadly encounter between members of the Philippine National Police and the Armed Forces of the Philippines. We interviewd Joan Habana, a writer for ABS CBN. Catharine Aquino, a Filipino researcher based in Zurich who's team leads in fighting Covid 19, and Second Officer Kenneth Cutamora, a pilot for Philippine Airlines as he shares his experience of helping Filipinos get from from the Middle East.

There are 4 big players in the Philippine airline industry and none of them were safe from the disruption and business decline that the coronavirus has caused. Although they're adjusting to the 'new normal', air travel's demand is still low and that's understandable as travelling isn't our priority right now. Two of those big players, Cebu Air and Philippine Airlines, are listed in the PSE. Obviously, their stock prices are both at an all time low due to the big decline in demand because of the pandemic. I hope this episode helps you decide if it's really worth risking betting on airline companies. “Buy a stock the way you would buy a house. Understand and like it such that you’d be content to own it in the absence of any market.” -Warren Buffett #airline #cebupacific #philippineairlines #CEB #PAL #pesosmart #travel #airlineindustry #cebu #philippines

PAL was founded by Andres Soriano in 1941. Since then, it has risen to become the flag carrier of the Philippines but has fallen to the explosive growth of local player Cebu Pacific. Learn about the complete history of Philippine Airlines in this episode.  Watch the video version of this episode by subscribing to our YouTube channel Facebook - facebook.com/brandoriginsfm Twitter - @brandoriginsfm Email - hello@partizanstudios.com This episode is made possible by Partizan Visit partizanstudios.com

So excited for this weeks "Mothers Of Multifamily" (MOM)!!! My guest Chat Steinwald made my laugh, cry and realize that the best thing that we can all do as women, mothers and entrepreneurs is to take action and "Just do it" as Chat says. Chat has co-founded a women's group, Multifamily Women's Mastermind with over 300 very successful and active members in the industry.  I hope you enjoy this podcast as much as I loved taping it! Chat is a native of the Philippines. Her dream, as a child, just like any other Filipino was to live in America. She would watch the sunset in her native Island, knowing that the sun was rising in America. As a best laid plan to pursue her dream to come to America, she worked as an Accounts Analyst with Philippine Airlines for two years to use her travel benefit to migrate to the USA. She migrated to Los Angeles at the age of 23, armed with a hundred dollars and a degree in accounting and a fearless drive for the American dream. Three weeks later, she landed at Dunn & Bradstreet as a Trust Accountant and remained there eleven years.  She then opened her own boutique spa in the toney neighborhood of Brentwood, CA., a move precipitated by the need to spend more time with her son, Mitch. Being a mother was the most important job that she did not take for granted. Her spa was named one of L.A.'s finest by Beauty Magazine Editors including Allure, InStyle and TimeOut. 21 years later, and her son now 30 and safely on his way, Chat decided to close the spa and open yet another chapter in her life. She now focuses on multi-family and commercial real estate investing.  Her mentor, whom she met in 2018 is the nationally known Rod Khleif. Since joining Rod's program, Chat has become a limited partner in 800 apartment units and a GP in 208 units. She has quickly discovered the potential and opportunities for solid returns in multi-family residential investing, by aligning with solid, reputable partners and helping others to discover the same.  She looks forward to more partnerships with great sponsors in the industry and to increase her portfolio and grow her networth more by actively investing in apartments. Chat loves to travel and loves to give back and plans to do more philanthropic works in the near future.  Thank you so much for listening! WE ARE SO GRATEFUL!!!!  Our Sponsor:  Multifamily Foundation  If you are serious about learning how to buy apartment buildings then don't wait, go to www.multifamilyfoundation.com and let us help you build your foundation.  Investing for Lifestyle and Legacy: https://www.yarusiholdings.com/  Subscribe To Us On YouTube: https://www.youtube.com/channel/UC1SuXB01d14DC8ZnEWpRQdQ?sub_confi rmation=1  Subscribe To Us on #Libsyn: http://multifamilyfoundation.libsyn.com/website Subscribe To Us on iTunes: https://podcasts.apple.com/us/podcast/the-multifamily-foundation/id1484177595   #75hard #multifamilyfoundation #realestate #investinyourfuture #thefutureyou #success #moveforward #trusttheprocess #family #crossfit #crossfitenthusiast #menwholift #womenwholift #yoga #yogamom #run #runner #podcast #podcasthost #health #wealth #mindset #podcastlover #podcastaddict #realestate #investinyourfuture #thefutureyou #success #moveforward #trusttheprocess #health #wealth #mindset #dreams #goal #yourfuturematters #realtor #goals #dreamer #realestatecoach #realestatementor #invest #investor #investtime #family #runner #investinyourself #investinyourfamily See acast.com/privacy for privacy and opt-out information.

I recently went back to Philippines for a bereavement leave to attend the memorial service of my sister. I booked a ticket from Philippine Airlines. This is my experience. Listen! --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/benalagnam/message Support this podcast: https://anchor.fm/benalagnam/support

Chat Sarmiento-Steinwald is a native of the Philippines. Her dream, as a child was to live in America. She would watch the sunset in her native Island, knowing that the sun was rising in America. As a best laid plan to pursue her dream to come to America, she worked as an Accounts Analyst with Philippine Airlines for two years and then migrated to the USA.She migrated to Los Angeles at the age of 23, armed with a hundred dollars and a degree in accounting and a fearless drive for the American dream. Three weeks later, she landed at Dunn & Bradstreet as a Trust Accountant and remained there eleven years. She then opened her own boutique spa in the toney neighborhood of Brentwood, CA., a move precipitated by the need to spend more time with her adolescent son, Mitch. Her spa was named one of L.A.’s finest by Beauty Magazine Editors including Allure, InStyle and TimeOut.21 years later, and her son now 30 and safely on his way, Chat decided to close the spa and open yet another chapter in her life. She now focuses on multi-family and commercial real estate investing. Her mentor, whom she met in 2018 is the nationally known Rod Khleif. Since joining Rod’s program, Chat has become a limited partner in more than 500 apartment units and a GP in 208 units.She has quickly discovered the potential and opportunities for solid returns in multi-family residential investing, by aligning with solid, reputable partners and helping others to discover the same. Chat has also co-founded a women’s group focusing in Multifamily investing called Multifamily Women’s Mastermind with over 152 very successful and active membersConnect with Chatchasteinvestments@gmail.comFacebook & Instagram – Chat Sarmiento-SteinwaldMultifamily Women’s MastermindFor today’s show notes, including audio and links to all the resources mentioned, visit www.limitless-estates.com/podcasts. For today’s video feed, visit our YouTube channelTo get access to our free Passive Investors Guide and monthly newsletters sign up at www.limitless-estates.comSchedule a free call with Kyle or Lalita hereTo find out more about partnering or investing in a multifamily deal email info@limitless-estates.com Local to Southern California? Attend our monthly meetup focused on Out of State Apartment investing. View our schedule at https://www.limitless-estates.com/events/meetupsJoin our Facebook Group - Passive Income through Multifamily Real EstateHave a question you would like answered on the show? Email us at info@limitless-estates.com.

Leroy Almeida is an experience designer at ING, the Philippines' first fully-digital bank. He previously worked at Kalibrr, where he designed the recruiter platform, and Accenture, where he worked with Philippine Airlines and Globe Telecoms. Largely self-taught, he transitioned from engineering to design by reading books, asking for feedback, and learning from the smart people of the Twitterverse. Leroy believes that design can improve people's lives, transform companies, and change the culture. In this episode we talk about Leroy’s transition to design at Kalibrr, how to respond to critical feedback, curating your own Twitter learning circle, and so much more.

Leroy Almeida is an experience designer at ING, the Philippines' first fully-digital bank. He previously worked at Kalibrr, where he designed the recruiter platform, and Accenture, where he worked with Philippine Airlines and Globe Telecoms. Largely self-taught, he transitioned from engineering to design by reading books, asking for feedback, and learning from the smart people of the Twitterverse. Leroy believes that design can improve people's lives, transform companies, and change the culture. In this episode we talk about Leroy’s transition to design at Kalibrr, how to respond to critical feedback, curating your own Twitter learning circle, and so much more.

This week Phlavor sits down with restaurateur Lem Balagot. Lem chats with host Karena Higgins about his time at the historic Manila Hotel, how he changed the food game at Philippine Airlines and why he opened LA Rose, a Filipino restaurant, in the middle of Hollywood California. 

Philippine Airlines’ vice president sales Ryan Uy discusses the carrier’s network strategy and reveals that Seattle, Chicago, Paris and Rome are all on the radar for future routes.

Good Morning, I'm your host today, Alisa Senderovic, a Manager in the Business Valuation group at mba. Beginning today's headlines in Fleet Deliveries. Qatar Airways to take delivery of nearly 30 new aircraft in 2018. Carrier will only place new orders in 2018 if it acquires new airlines. Interjet (Mexico) took delivery of one new A321neo, serial 7939. Virgin Atlantic (UK) plans to place four new A330-200s into service by end of March 2018 Thai Airways International took delivery of one new A350-900 In Financing… Apollo Aviation Group (US) priced its fifth aircraft portfolio transaction: AASET 2018-1 Trust. Approx US$442 million of Secured Notes that will be used to acquire a fleet of 24 aircraft. In Regulatory News… Bombardier wins in its ongoing trade dispute with Boeing, as the US International Trade Commission voted unanimously that Boeing was not harmed by Bombardier and its all-new C Series jet. Norwegian Air Argentina received its Air Operator Certificate from Argentinian authorities. The government granted the carrier authority to operate 72 domestic and 80 international routes. Norwegian is planning to start serving Buenos Aires from London Gatwick Airport in February. Reporting from operators today… AirAsia Group (Malaysia) reports 4Q 2017 total passengers numbers up 17% year-on-year to 10.4 million, with ASKs up 14%, RPKs up 16%, and Load factor up 1 point to 88%. Total fleet size grew to 116 aircraft Philippine Airlines to introduce Manila – Brisbane service on 27 March 2018, with A320 initially and switching to A321neo Thanks for listening and please join us again next time for more aviation news!

Show 57 was recorded at the 2017 World Travel Market at ExCeL and features interviews with Richard Young, Sales and Distribution Manager at Heathrow Express; Pilar Carbonell, General Director of Tourism for the Balearic Islands Government; David Cochrane, General Manager of Philippine Airlines; Colin Stewart, Chairman of the Latin American Travel Association (LATA)and Wendy Pedder, Marketing Manager of VisitGuerney. With thanks to Lotus for setting up the interviews and to the support provided by our Technology Partner, TINT.

Air Canada flight 759 had a near miss last week, when it inadvertently lined up to land on a taxiway instead of on the runway. The FlightAware online tracking service showed the Air Canada Airbus 320 dropping to as low as 175 feet before increasing altitude above Taxiway C, flying over three fully loaded United Airlines and one Philippine Airlines airliners. At 11:55 p.m., the time of the incident, Runway 28L was closed with its lights dark, according to the FAA. It’s possible that shifted the Air Canada pilot’s orientation to the right, leading him to think that Taxiway C was actually runway 28R. We talk about the key reason that a disaster was narrowly averted, and how that applies to pilots flying general aviation aircraft. We also talk about the poorly understood squelch controls on radios and intercoms and how to set them properly. And about how to operate the switches on older audio panels found in 1960s through 1980s Cessnas and Pipers. Plus listener questions: Should you Dive and Drive on an instrument approach? How should a future CFI learn to land from the right seat? What should you do if you violate the minimum altitudes over a wildlife or marine sanctuary? Click here for the survey. Tell us which plane you fly most often. Please visit my new Patreon page and help me with my goal of funding the creation of two apps for my show, one for Apple and one for Google Play, so that non-techie pilots can find the show in the app store. You can Dictate a listener question from your phone and I’ll try to answer it on a future show, or send an email. News Stories Air Canada Near Miss a near disaster at SFO FAA Opens Short Window For ATC Hiring Armed Man Shot and Killed after Failed Helicopter Theft Privatization Update Volvo parent company in China acquires flying-car maker Terrafugia You can now buy the Moller Skycar Van's New Secret Project FAA TO ACTIVATE TEMPORARY RESTRICTED AREAS DESPITE OBJECTIONS Canadian heavy lift Solar Ship has Fossil Fuel Free Flight 1,500th PC-12 Delivered To Royal Flying Doctor Service Of Australia Teachers field test aviation curriculum

Mik talks about the Kanye West / Wiz Khalifa / Amber Rose beef. Topics include: Man was the only passenger on board a Philippine Airlines flight; Female Shark Wins Seoul Aquarium Turf War, Eats Male Shark; SC woman beats husband with nunchucks for refusing to have sex; Woman says she's a CAT trapped in a human body; World's Greatest Athlete Plays Ping-Pong With His Penis; Law Student Demands Lifetime Supply of Kit Kats Over Wafer-less Candy Bars; Men's Lingerie Exists; How 2 Best Buds Snuck Into a Movie Theater Disguised As One Large Man and This Morning show find out what life is really like with a micropenis. Mik & B. Walt talk about "There Is No Gray Area: He Is Either Obsessed With You Or He DGAF." Real Stories. Real Commentary. Real Laughs. Social Misconduct is the fusion of Hollywood and homegrown hustling, the marriage of uber-intellectual minds with call-it-like-you-see-it attitudes exploring the real stuff that matters…the human condition. Take an hour long dive into the uncensored and unfiltered minds of Mik and B. Walt on some of today's most ridiculous news, pop culture, dating & relationships, and exploring their own personal lives. Social Misconduct doesn't push the envelope, they don't believe an envelope exists. Social Misconduct airs live every Tuesday at 8pm PST on LATalkRadio.com! Hosts: Mik and B.Walt. Produced by Bushville Entertainment

The creditors of bankrupt Skymark Airlines chose All Nippon Airways (ANA) as its equity partner going forward. This of course leaves Delta—again!—without a dance partner in Asia. With that news, we take the opportunity to consider the condition of Japan's long-time duopoly. What does this mean for Japan Airlines (JAL) and Delta's Asia business? Virgin Australia is having a tough time while Philippine Airlines is having the time of its life. And in the Western world, Frontier Airlines is putting Humpty Dumpty back together again—profitably this time. We'll explain in this week's edition of The Airline Weekly Lounge.