Podcasts about premiums

Okay, big news, I've rebranded Passports and Premiums to Clocked Out! I'm spilling all the tea on why I needed a fresh start, what to expect (think travel, lifestyle, and life after nursing), and why this podcast is about to become your new go-to.   Join our monthly newsletter for updates on travel, nursing, and wellness - https://astounding-writer-222.ck.page/9de8c9fcc0    Follow us on Instagram @life_beyond_the_bedside & @passportsandpreemies Check out our nurses only group trips with @beyondthebedside Check out our website www.passportsandpreemies.com

Nearly 80% of Americans are dissatisfied with the cost and coverage provided by their healthcare coverage. Founder and CEO of CrowdHealth, Andy Schoonover, shares that paying cash for medical services typically opens doors to quicker care with a wider selection of doctors. Andy created CrowdHealth to be an avenue to keep individual/family costs at a steady monthly rate while helping negotiate medical expenses with the power of large health insurance companies.CrowdHealth's membership-based platform helps people fund medical expenses through community contributions - without insurance companies. Users also gain access to resources that can help them find the right doctor and tools to navigate the healthcare sphere.Learn more at joincrowdhealth.com and follow on Instagram @joincrowdhealth and X @joincrowdhealth Visit ConfidenceThroughHealth.com to find discounts to some of our favorite products.Follow me via All In Health and Wellness on Facebook or Instagram.Find my books on Amazon: No More Sugar Coating: Finding Your Happiness in a Crowded World and Confidence Through Health: Live the Healthy Lifestyle God DesignedProduction credit: Social Media Cowboys

Visit our website: https://www.thewealthwarehousepodcast.com/Register for the next live Wealth Warehouse Webinar happening June 12th at 5pm Central:https://us06web.zoom.us/meeting/register/xub1rL2JSWq1aIifeFlJXABecoming Your Own Banker by Nelson Nash: https://infinitebanking.org/product/becoming-your-own-banker/ref/46/Losing your job is stressful, but it doesn't have to derail your Infinite Banking strategy. In this episode, Dave and Paul explain what actually happens to your policy if your income stops and how to prepare for it.They cover what to do if you can't pay your premiums, how grace periods work, the flexibility built into most policies, and options like partial surrenders and non-forfeiture. They also break down how your policy design impacts your ability to weather financial setbacks and what “red” money really means in this context.If you're building an IBC plan for the long term, this episode will help you stay confident—no matter what life throws your way.Episode Highlights:0:00 - Introduction1:04 - Episode beginning2:53 - Shoutout to Dave and Paul's clients5:48 - “What happens if I lose my job?”9:22 - “How do I pay my premiums?”12:52 - Grace period15:35 - The flexibility that is available to you when you can't pay18:11 - Non-forefiture options20:48 - Partial surrender21:45 - How does this affect my policy?27:48 - “Red” money32:22 - The way your policy is designed matters36:01 - Episode wrap-upABOUT YOUR HOSTS:David Befort and Paul Fugere are the hosts of the Wealth Warehouse Podcast. David is the Founder/CEO of Max Performance Financial. He founded the company with the mission of educating people on the truths about money. David's mission is to show you how you can control your own money, earn guarantees, grow it tax-free, and maintain penalty-free access to it to leverage for opportunities that will provide passive income for the rest of your life. Paul, on the other hand, is an Active Duty U.S. Army officer who graduated from Norwich University in 2002 with a B.A. in History and again in 2012 with a MA in Diplomacy and International Terrorism. Paul met his wife Tammy at Norwich. As a family, they enjoy boating, traveling, sports, hunting, automobiles, and are self-proclaimed food people.Visit our website: https://www.thewealthwarehousepodcast.com/ Catch up with David and Paul, visit the links below! Website: https://infinitebanking.org/agents/Fugere494 https://infinitebanking.org/agents/Befort399 LinkedIn: https://www.linkedin.com/in/david-a-befort-jr-09663972/ https://www.linkedin.com/in/paul-fugere-762021b0/ Email: davidandpaul@theibcguys.com

Today's topic is Christ Illusion, the 2006 reunion album by Slayer's classic lineup. And when it's over, I drop some flowers for the late, great Sacha Jenkins.DEEZ NOTESShownotes... things referenced in the show... mostly:Audio: From Christ Illusion: “Black Serenade,” original version.Audio: “Black Serenade,” take 2.Video: Slayer's Grammy-Winning "Eyes of the Insane"Audio: Slayer's Grammy-winning "Final Six"Video: Slayer live at Hammersmith, 2008. HD, up close & personal.Video: Ill Bill, “U.B.S. (Unauthorized Biography of Slayer).” THE BEST RAP SONG ABOUT SLAYER, PERIOD. (Not that there are many.)Video: Ill Bill's "Paul Baloff"Video: Tom Araya's Grammy acceptance and discussion.Video: Jeff comments on the Grammy win.Podcast: From last year: my long, conversational review / analysis of Kerry King's debut album, From Hell I Rise.Official video: KK's "Toxic"Official video: KK's "Where I Reign"Official Video: KK talks about From Hell I RiseStuff you should have: Sacha Jenkins jammies at AmazonVideo: Jenkins talks Wu-Tang doc & more with SwayVideo: Open Mike Eagle's tribute to JenkinsVideo: The White Mandingos, Jenkins' rockin' rap band that features Darryl Jennifer of [the] Bad BrainsVideo: The trailer for Jenkins & Howie Abrams' Merciless Book of Metal ListsVideo: Brian Slagel reads from the Merciless BookVideo: Gary Holt testifies about the Merciless book⁠⁠Co-ed UK blackened thrash crüe Chupacabra, the 2023 Fortified With Ashes EP. Featuring Talkin' Slayer Riffmaster General SAVAGE Nige Savage⁠.⁠⁠The new & improved & updated & embiggened book Ferris reads from every week, "Slayer 66 2 /3: A Metal Band Biography..., or, How Fkin' Slayer Kicked F*kin' @ss"⁠⁠ — all four versions.If you want to buy an autographed copy of the new 4th edition of the book, reach out: ⁠⁠⁠slayerbook@gmail.com⁠⁠⁠ .Free listeners miss every other episode.Patreon supporters get an episode every week, plus more bonus Slaytanic content. Packages start at less than $1 an episode. Premiums include stickers, a shout-out on the show, and a free version of the audbiobook when it's finished.Learn more at ⁠⁠⁠Patreon.com/SlayerBook⁠⁠⁠ .If you want to drop some ducats in the virtual tip jar... or you'd rather make a one-time payment for a VIP all-access pass, you can do it at ⁠⁠⁠ko-fi.com/slayerbook⁠⁠⁠ .GRATITUDE.

In today's top news picks, we analyse the possibility of an expedited India-US mini deal as both nations appear to be at an impasse. We have the latest on India's major weightloss drug demand and what is behind its uptake. Then we also break down investors' interest in the unlisted space and a sharp analysis of the fiscal prudence, or rather the lack of it, in Congress's Bihar election promise.

Insurance premiums have skyrocketed - but why? In this episode, we break down what's behind the soaring costs, why older income protection policies are being priced out, and how to structure your cover to stay protected without blowing your budget. From real-life case studies to smart tax hacks, we cover everything you need to know to protect your biggest asset: yourself.On this episode, we discuss:(00:00) Intro(00:07) Why Have Insurance Premiums Skyrocketed?(01:40) The 4 Main Types Of Personal Insurance(02:36) How Income Protection Works (And Why It's Crucial)(05:58) Why Older Policies Are Being Priced Out(09:59) What You Really Need To Cover: Mortgages, Education, Income(12:08) How To Get Cheaper Premiums Without Sacrificing Coverage(16:21) Case Study: Truck Driver's Life-Changing Insurance Payout(18:08) Case Study: Stroke Victim With Only Default Cover(30:50) Super Hack: Use Your Super To Pay Insurance PremiumsCheck out the free resources from Inovayt here.Send us an email: hello@thenumbersgamepodcast.com.auThe Numbers Game is brought to you by Future Advisory & Inovayt.Hosts:Nick ReillyJason RobinsonMartin VidakovicThis podcast is produced by VIDPOD.

House insurance is something all homeowners need. It's meant to provide peace of mind, yet rising premiums are making it increasingly difficult to access. 

Talkin' Slayer, Episode 79.JUNE 6 IS THE INTERNATIONAL DAY SLAYER.And it's Tom Araya's birthday. Happy birthday, Tom! Tom, of course, has the most metal birthdate: 6/6/61.To commemorate, enjoy these rerun chapters about...1) The origins of this most momentous holiday. And...2) Slayer's most infamous show. Manic fans tore up part of the Madison Square Garden complex, then known as the Felt Forum. They couldn't play the city's biggest venue for years afterward. As an emerging major-label band, Slayer invoked a true mania. What was Slayer capable of at the height of their powers? Get a taste of what separated the group from the rest of the pack.An angry Tom Araya onstage is a thing of wonder. The new version of the book has an index entry devoted to it.This episode includes some preliminary content about Rubinology, the study of Rick Rubin & his work.VIDEO: Slayer, live in NYC, at the Felt Forum, 1988.The world's most dangerous band was in the great city in the world, and they weren't playing for Letterman.Come back Monday for a long, updated episode about Christ Illusion, the classic lineup's reunion album.GRATITUDE....click below for...⁠⁠The new & improved & updated & embiggened book Ferris reads from every week, "Slayer 66 2 /3: A Metal Band Biography..., or, How Fkin' Slayer Kicked F*kin' @ss"⁠⁠ — all four versions.If you want to buy an autographed copy of the new 4th edition of the book, reach out: ⁠⁠⁠slayerbook@gmail.com⁠⁠⁠ .Free listeners miss every other episode.Patreon supporters get an episode every week, plus more bonus Slaytanic content. Packages start at less than $1 an episode. Premiums include stickers, a shout-out on the show, and a free version of the audbiobook when it's finished.Learn more at ⁠⁠⁠Patreon.com/SlayerBook⁠⁠⁠ .If you want to drop some ducats in the virtual tip jar... or you'd rather make a one-time payment for a VIP all-access pass, you can do it at ⁠⁠⁠ko-fi.com/slayerbook⁠⁠⁠ .MO' GRATITUDE.

Ilyce Glink, CEO of Best Money Moves financial wellness company, joins Lisa Dent to share the latest jobs report. Then, Glink shares why car insurance premiums have climbed more than 20 percent in just a year.

Are you a federal employee or retiree enrolled in FEHB and shocked by your Medicare Part B premium? You’re not alone—and you might be paying more than you should. In this episode, Val breaks down the key factors that determine your Medicare Part B premiums, including how your income, TSP withdrawals, and federal pension are used to calculate IRMAA (Income-Related Monthly Adjustment Amount). https://www.fedsmith.com/2025/05/21/lower-your-medicare-part-b-premium-with-one-form/ Don’t miss this episode if you’re looking to secure your financial future as a federal employee. Make sure to subscribe to The Federal Retirement Show for more episodes and leave us a review! Have questions about retirement planning or other financial topics? Connect with Val and the topic could be featured in future episodes! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge. --- Listen to Previous Episodes: https://federalretirementshow.com/podcasts/ Subscribe to the show’s YouTube channel:www.youtube.com/@americanbenefitsexchange --- Connect with Val:Phone --- (512) 582-6050Email --- vmajewski@thinkabx.comAmerican Benefits Exchange --- thinkabx.comFederal Retirement Show --- federalretirementshow.com/podcastsLinkedin --- https://www.linkedin.com/company/american-benefits-exchange/ --- About American Benefits Exchange: American Benefits Exchange focuses on providing solid financial solutions to Federal, postal, and state employees as well as members of the United States Armed Forces and small businesses. American Benefits Exchange brings years of experience and knowledge to support these niche markets. American Benefits Exchange, along with its provider companies, truly understands the needs of civil service employees. A portfolio of products is available to address important financial issues such as planning for retirement, FEGLI Option B replacement, Thrift Savings Plan Rollovers, and Pension Maximization. See omnystudio.com/listener for privacy information.

Most countries have accumulated “huge debt loads that weigh on the entire system,” according to BlackRock Vice Chairman Philipp Hildebrand, who said there's a sense that rates are edging up. Hildebrand added that "sustained higher growth would be the best way to deal with the debt and deficit problems in combination with reasonable budgetary policy”. In an interview on The Pulse with Francine Lacqua, Hildebrand said "the last thing you want is questions around the sanctity of the sovereign signature”. When Moody’s Ratings downgraded the US in the middle of May — becoming the last of the three big credit rating companies to lower its ratings from the highest level — it warned that the US's fiscal deficit, government debt and interest burden would all rise over the coming years, the latest sign of growing fears about Washington’s fiscal position. (Source: Bloomberg)See omnystudio.com/listener for privacy information.

Our fortnightly market update, supported by SproutAg.  In this podcast, we update on the tariff roundabout, record-high lamb prices, and the lack of a drought premium.   We also talk about our new grain trading simulator, which can be found here You can visit the SproutAg website by clicking here

Microsoft wants to update all the things LexisNexis breach impacts 364,000 people Cyber insurance premium volume expected to double Huge thanks to our sponsor, ThreatLocker ThreatLocker® is a global leader in Zero Trust endpoint security, offering cybersecurity controls to protect businesses from zero-day attacks and ransomware. ThreatLocker operates with a default deny approach to reduce the attack surface and mitigate potential cyber vulnerabilities. To learn more and start your free trial, visit ThreatLocker.com/CISO.

Emplois prestigieux de Québécois dans le hockey. Le paquet de JiC. Le plus grand marché sportif en Amérique: New York. Sports et société avec Jean-Charles Lajoie. Regardez aussi cette discussion en vidéo via https://www.qub.ca/videos ou en vous abonnant à QUB télé : https://www.tvaplus.ca/qub ou sur la chaîne Youtube QUB https://www.youtube.com/@qub_radioPour de l'information concernant l'utilisation de vos données personnelles - https://omnystudio.com/policies/listener/fr

Subscribe to UnitedHealthcare's Community & State newsletter.On May 13, A Health Podyssey's Rob Lott chatted with Andrew Ryan of Brown University about his paper in the May 2025 edition of Health Affairs that explores how Rhode Island's affordability standards impacted hospital prices and insurance premiums. Order the May 2025 issue of Health Affairs.Currently, more than 70 percent of our content is freely available - and we'd like to keep it that way. With your support, we can continue to keep our digital publication Forefront and podcasts free for everyone. Subscribe to UnitedHealthcare's Community & State newsletter.

BUSINESS: PH insurance premiums seen growing 9.2% yearly | May 29, 2025Visit our website at https://www.manilatimes.netFollow us:Facebook - https://tmt.ph/facebookInstagram - https://tmt.ph/instagramTwitter - https://tmt.ph/twitterDailyMotion - https://tmt.ph/dailymotionSubscribe to our Digital Edition - https://tmt.ph/digitalSign up to our newsletters: https://tmt.ph/newslettersCheck out our Podcasts:Spotify - https://tmt.ph/spotifyApple Podcasts - https://tmt.ph/applepodcastsAmazon Music - https://tmt.ph/amazonmusicDeezer: https://tmt.ph/deezerStitcher: https://tmt.ph/stitcherTune In: https://tmt.ph/tunein#TheManilaTimes Hosted on Acast. See acast.com/privacy for more information.

Let us know what you think about Health Affairs podcasts at communications@healthaffairs.org. If you have 30 minutes to spare, let us know and we'll set up a 30-minute chat for the first 20 listeners that reach out. Coffee will be on us.On May 13, A Health Podyssey's Rob Lott chatted with Andrew Ryan of Brown University about his paper in the May 2025 edition of Health Affairs that explores how Rhode Island's affordability standards impacted hospital prices and insurance premiums. Order the May 2025 issue of Health Affairs.Currently, more than 70 percent of our content is freely available - and we'd like to keep it that way. With your support, we can continue to keep our digital publication Forefront and podcasts free for everyone.

Episode 77, The New Chapter 66: Talkin' the Kerry King Band, Again, More... Part 1As referenced in the show... or not...UNBOXING VIDEO: Your pal Ferris unboxes the new edition of the book and tells you all about it for 26 minutes.Episode 57: A long report from the summer 2024 Kerry King-Mastodon concertEpisode 64: A much shorter report from the January 2025 Kerry King headlining showThe Kerry King band's live debut, from Reggie's in Chicago, 7 May 2024Janky sound: Kerry King LIVE @ UNSW Roundhouse, Sydney (FULL SET), 3 Dec 2024Co-ed UK blackened thrash crüe Chupacabra, the 2023 Fortified With Ashes EP. Featuring Talkin' Slayer Riffmaster General SAVAGE Nige Savage.⁠The new & improved & updated & embiggened book Ferris reads from every week, "Slayer 66 2 /3: A Metal Band Biography..., or, How Fkin' Slayer Kicked F*kin' @ss"⁠ — all four versions.If you want to buy an autographed copy of the new 4th edition of the book, reach out: ⁠⁠slayerbook@gmail.com⁠⁠ .Free listeners miss every other episode.Patreon supporters get an episode every week, plus more bonus Slaytanic content. Packages start at less than $1 an episode. Premiums include stickers, a shout-out on the show, and a free version of the audbiobook when it's finished.Learn more at ⁠⁠Patreon.com/SlayerBook⁠⁠ .If you want to drop some ducats in the virtual tip jar... or you'd rather make a one-time payment for a VIP all-access pass, you can do it at ⁠⁠ko-fi.com/slayerbook⁠⁠ .GRATITUDE.

Earlier this week, a report by Daft.ie found that the average rent in Ireland has now exceeded €2,000 a month, which is almost 50% higher than it was before the Covid-19 pandemic.This, along with high insurance premiums, increasing TV and broadband prices, and the cost of nights out also rising means that low to mid-range earners have less and less disposable income available every month.Charlie Weston, Personal Finance Editor with the Irish Independent and Sarah McGuinness, Political Correspondent with the Irish Daily Mail joined Matt for an extended personal finance slot on Wednesday to discuss the financial difficulties that young people face today.Hit the ‘Play' button on this page to hear the conversation.

SuperCoach ambassador and St Kilda legend Leigh 'Joey' Montagna joins host Al Paton and Chloe Williams to answer some of the toughest questions of the season. With stars going down injured left, right and centre, Joey rates the best trade options for round 11. Serong, Rowell, Libba or Dunkley? Can we trust Shai Bolton? Will Dante Vistenini hold onto Port Adelaide's No.1 ruck role? Which St Kilda youngster can provide a spark in the second half of the season? Plus this week's must-have rookie, preparing for the byes and the big question: Is this the time to break the bank and get Marcus Bontempelli? Keep an eye on Al's socials (@al_superfooty on X) for a weekly post asking for questions! All the latest SuperCoach news and articles: linktr.ee/supercoachafl CHAPTERS:Leigh Montagna joins the show! (00:00)HBF Injury Report (01:35)Fallen Premium Watch and Shai Bolton (04:30)Rookie Roulette (06:00)Saints intel with Joey - rookies and Macrae (07:45)Horne-Francis vs Macrae - trade or hold? (09:15)QUESTIONS! (11:30) Hosts:Al Paton: @al_superfooty / XChloe Williams: @chloekwilliams / XLeigh Montagna: LeighMontagna / IG Produced by Haydn Kenny. Recorded on Wednesday May 21, 2025. Follow SuperCoach AFL on X. Follow SuperCoach AFL on Instagram. Follow SuperCoach AFL on TikTok. Like SuperCoach AFL on Facebook. Subscribe on CODE Sports YouTube Channel. See omnystudio.com/listener for privacy information.

New figures from the Injury's Resolution Board show that motor accident claims over the past 6 years are down 30%, and the value of those awards paid for claims are down over 40%.Yet, insurance premiums remain stubbornly high…So, what's the best way to get the best deal on your motor insurance?Shane O'Donohue, Editor of CompleteCar.ie, joins Kieran to discuss.

Recently, Bruce shared a story that perfectly illustrates unexpected life challenges—his basement flooded, turning a peaceful Easter weekend into an emergency cleanup session. Just as unexpected problems can flood your home, unanswered financial questions can flood your business strategy, especially questions like: "Can you deduct life insurance premiums?" https://www.youtube.com/live/crKKtLvZ44k Tax questions, much like sudden home repairs, can disrupt your carefully planned financial landscape. Whether it's water damage or unclear tax regulations, not addressing the problem can lead to costly mistakes down the road. Today, Bruce and I aim to clear up one of these significant financial uncertainties for business owners. Why Understanding Life Insurance Deductions MattersUnderstanding the Deductibility of Life Insurance PremiumsCan You Deduct Life Insurance PremiumsThe Supreme Court's Stance and Its ImplicationsStrategic Ways to Indirectly Deduct PremiumsAvoiding Short-Term Tax MistakesContracts vs. Accounts: Ensuring Long-Term CertaintyNavigating Complexity with Professional HelpThe Strategic Power of Life Insurance PremiumsBook A Strategy Call Why Understanding Life Insurance Deductions Matters The question "Can you deduct life insurance premiums?" isn't just a minor tax issue—it's central to building an efficient, effective, and robust financial strategy. Life insurance policies are powerful financial tools that, when used correctly, can significantly enhance your financial well-being. However, misunderstandings about their tax implications can lead to missed opportunities or even costly errors. In this detailed article, you'll gain clarity regarding the question "Can you deduct life insurance premiums?", the rationale behind IRS rulings, practical and legitimate strategies to indirectly achieve similar benefits, and the pitfalls to avoid in your quest for tax efficiency. By mastering these concepts, you'll be well-equipped to incorporate life insurance intelligently into your broader financial planning strategy. Understanding the Deductibility of Life Insurance Premiums Can You Deduct Life Insurance Premiums Bruce frequently encounters confusion among business owners about deducting life insurance premiums. Let's clear this up immediately: in most cases, you cannot directly deduct life insurance premiums from your taxes if the business owner benefits directly from the policy. The IRS views this scenario as lacking genuine "economic substance," as the policyholder ultimately recoups these premiums through a tax-free death benefit, meaning there's no real economic loss to justify a deduction. The Supreme Court's Stance and Its Implications Bruce highlighted a crucial Supreme Court ruling that set clear boundaries for tax deductions related to life insurance. This landmark decision explicitly stated that deducting premiums or interest on life insurance loans is generally not permissible when the insured party directly benefits. The reasoning is straightforward: since you or your estate will eventually receive these premiums back in the form of a tax-free death benefit, the premiums do not represent an actual financial loss or expense that justifies a tax deduction. Understanding this ruling can save you from potentially costly mistakes and help you align your tax strategies with IRS expectations. Strategic Ways to Indirectly Deduct Premiums Despite the restrictions, Bruce and I discussed legitimate and strategic methods to effectively reduce taxable income and indirectly finance life insurance premiums: Employing Family Members: Bruce pays his father for legitimate business-related marketing tasks. As his father falls into a lower tax bracket, this transaction reduces Bruce's taxable income and generates additional cash flow, indirectly supporting life insurance premium payments. Paying Your Children: Another powerful strategy is employing your children within your bus...

ການທົບທວນປະຈໍາປີ ຂອງ KPMG ກ່ຽວກັບການປະກັນພັຍ ພົບວ່າ ກຳໄລຂອງປະກັນພັຍ ໄດ້ເພີ່ມຂຶ້ນ ໃນປີ 2024 ໃນຂນະທີ່ ຜູ້ບໍຣິໂພກ ໄດ້ເຫັນການເພີ່ມຂຶ້ນຢ່າງຫລວງຫລາຍ ຂອງຄ່າປະກັນ (Premiums). ແຕ່ເມື່ອທັງຄ່າປະກັນພັຍ (Premiums) ແລະຜົນກຳໄລເພີ່ມຂຶ້ນ, ຜູ້ຊ່ຽວຊານບາງຄົນກ່າວວ່າ ບໍຣິສັດປະກັນພັຍ ສາມາດເຮັດໄດ້ຫລາຍກວ່ານັ້ນ ເພື່ອຮັກສາປະກັນພັຍ ໃຫ້ມີລາຄາບໍ່ແພງ ແກ່ຊາວອອສເຕຣເລັຍ.

California regulators are allowing State Farm insurance to charge 17% more following this year's LA wildfires. State Farm says it needs the rate increase — on top of the 20% it got last year — because it's in financial distress following the fires. But the issue of higher premiums goes well beyond California. We'll hear more, then learn why there are concerns about the U.S. dollar remaining the world's reserve currency.

California regulators are allowing State Farm insurance to charge 17% more following this year's LA wildfires. State Farm says it needs the rate increase — on top of the 20% it got last year — because it's in financial distress following the fires. But the issue of higher premiums goes well beyond California. We'll hear more, then learn why there are concerns about the U.S. dollar remaining the world's reserve currency.

After a brief hiatus, Tom and Mick are back at it...  This time they sit down with their first international guest, José Paz Vermal of Argentina, to discuss the current state of play in the wool market.SummaryThis chat delves into the dynamics of the global wool market, discussing current trends and challenges. The market hasn't been flash for a while, but José thinks that can be turned around with a focus on quality and better marketing.  Find out what opportunities there are for growers in 'nature positive' wools and why José is ok with being nicknamed 'the toe cutter', and other such things, when he reveals his alter ego on the wool buying floor! TakeawaysWool clip is down across the board, drought conditions are impacting wool yields and specs aren't great The wool market has barely budged in recent years, partly due to European businesses struggling to sell goods post-CovidJosé predicts an upward trend in wool prices, with supply dropping offPremiums still exist! Up to 30% for some cuttingsTrump's tariffs have impacted confidence and the Australian market will likely feel it in the next 6-8 months, depending on conversations had between China and the USAustralia is ahead of other countries with applying technologies to farming, we just need to market our clip betterChapters01:45 Jose's Journey: From Argentina to Australia06:01 Understanding the Wool Market Dynamics10:01 Market Trends and Challenges in Wool Buying22:06 Future Opportunities in Wool Production27:09 Predictions for the Wool MarketWe've managed to snag Tom and Mick for a monthly livestock chat from now on, so keep eye on your feed.If you enjoyed this episode, share it with a friend and let us know your thoughts at hello@humansofagriculture.com. Follow Humans of Agriculture on Instagram. Don't forget to rate, subscribe, and leave a review!

It was another Gameweek in which the likes of Mohamed Salah, Alexander Isak and even the fit again Erling Haaland failed to make the desired impact ⭐️

Talkin' Divine Intervention a Little, Talkin' Undisputed More, Talkin' Diabolus, Talkin' Hell Again Links to things mentioned — or implied, or not mentioned — in the episode this week.Click below for...Kathryn Hanneman's Official Jeff Hanneman feed, featured a Slaytanic slew of reposts from fans worldwide on May 2.The new & improved & updated & embiggened book Ferris reads from every week, "Slayer 66 2 /3: A Metal Band Biography..., or, How Fkin' Slayer Kicked F*kin' @ss" — all four versions.LIVE 1995: Live Intrusion, Remastered. Mesa Amphitheatre. Mesa, Arizona. on March 12, 1995.LIVE 1996: One of my favorite live shows: 1996: At Respectable Cafe. Miami, Florida. 27 April 1996.LIVE 1998, including soundcheck: At Roy Wilkins Expo Hall. St. Paul, Minnesota. 22 August 1998.Import Undisputed track: Slayer covers Suicidal's "Memories of Tomorrow"Import Undisputed track: Slayer covers GBH's "Sick Boy"If you want to buy an autographed copy of the new 4th edition of the book, reach out: ⁠slayerbook@gmail.com⁠ .Free listeners miss every other episode. Patreon supporters get an episode every week, plus more bonus Slaytanic content. Packages start at less than $1 an episode. Premiums include stickers, a shout-out on the show, and a free version of the audbiobook when it's finished. Learn more at ⁠Patreon.com/SlayerBook⁠ .If you want to drop some ducats in the virtual tip jar... or you'd rather make a one-time payment for a VIP all-access pass, you can do it at ⁠ko-fi.com/slayerbook⁠ .GRATITUDE.

A Central Bank report shows a sharp rise in motor insurance premiums of 9% in the first six months of last year. Jerry spoke to Brian Hanley, CEO of Alliance for Insurance Reform.

A KPMG annual review of the insurance sector has found that insurance profits soared in 2024 as consumers saw steep hikes to their premiums. - Isang taunang pagsusuri ng KPMG sa sektor ng insurance ang nagsabing tumaas ang kita ng insurance noong 2024 habang nakaranas ang mga mamimili ng matinding pagtaas sa kanilang mga insurance premium.

Join us as we explore the surprising similarities between life insurance premiums and mortgage payments, emphasizing how both offer long-term stability and equity growth. We're looking at the advantages of whole life insurance as a financial tool, from tax-free growth to death benefits, while comparing it to real estate investments and the peace of mind that comes with a fixed, guaranteed cost structure. Audio Production by Podsworth Media - https://podsworth.com 

A KPMG annual review of the insurance sector has found that insurance profits soared in 2024 as consumers saw steep hikes to their premiums. But as premiums and profits both go up, some experts say insurance companies could be doing more to keep insurance coverage affordable for Australians.

Confused about how life insurance premiums actually work? You're not alone. In this video, we break down the truth behind life insurance costs—from what really affects your monthly payments to the hidden factors insurance companies don't always disclose. Whether you're comparing term vs whole life insurance, trying to lower your premium, or just want to understand what you're paying for, this guide will help you make smarter financial decisions.

Access Health is sounding the alarm about federal subsidies set to expire at the end of the year. It could mean Connecticut residents on exchange plans see their premiums skyrocket more than a thousand dollars than their prices now! We talked to Congressman Himes about the likelihood of extending the subsidies. Image Credit: Getty Images

Todays's topics include a detailed look at Rick Rubin, Slayer's enigmatic longtime producer, executive producer, label boss, and benefactor. Stay tuned, and you'll learn more about how the band made Reign in Blood... what fans think about it... what Jeff said about the, ahem, German content in "Angel of Death"... an update on what happened to the long-lost album cover artwork... and more.The old version of the Reign In Blood chapter is the most popular episode after the Jeff Hanneman tributes. Now that chapter is bigger and better. And badder. And deffer. This week, you hear the additions to the chapter in the new version of the unofficial, exhaustively researched band biography "SLAYER 66 2/3: A METAL BAND BIOGRAPHY" (REBORN & RE-REMASTERED 4TH EDITION).Click below to listen to Talkin' Slayer, Episode 15, the pre-update rundown of Reign in Blood:SPOTIFYAPPLEThe new 4th edition of the book is available in four formats. For a limited time, they're at a discount. OUR PRICES ARE CRIMINALLY INSANE!! Your options are...1) The Uncut Standard Version: Paperback, 6x9”, 639 pages, includes a full index, annotated endnote citations, and a works cited / bibliography section. 2) The Oversize Version: This monster paperback is 8.5x11”, 580 pages, with larger type. The format has size limits, so it omits the standalone works cited section and a few of the less awesome photos. It still includes the full annotated endnote citations and 50 b&w photos. The full real content is there. 3) The ebook has no index, but it's cheap, and it features two additional appendices, with mostly color photos.4) The paperback 6x9” Long Story Short… and Cheaper Version runs 400 pages. It features full research citations, and most b&w photos, but no appendices, index or standalone works cited section. it's the story of Slayer, and nothing but. This Short & Cheap version cuts a lot of important historical context and commentary. And it concentrates on the Slayer story as it unfolds. It's missing a ton of good stuff. But, hey, it's your money and time. Do what you will. We get it.If you want to buy an autographed copy directly, reach out: slayerbook@gmail.com .Free listeners miss every other episode. Patreon supporters get an episode every week, plus more bonus Slaytanic content. Packages start at less than $1 an episode. Premiums include stickers, a shout-out on the show, and a free version of the audbiobook when it's finished. Learn more at Patreon.com/SlayerBook .If you want to drop some ducats in the virtual tip jar... or you'd rather make a one-time payment for a VIP all-access pass, you can do it at ko-fi.com/slayerbook .Skrelnick.

Premiums are rising. Insurers are leaving markets. But people keep building in risk-prone areas, and the climate disasters just keep coming. Can insurance markets adapt? In this episode, Shayle talks to Dr. Judd Boomhower, an assistant professor of economics at the University of California-San Diego and a faculty research fellow at the National Bureau of Economic Research. He studies how insurance markets are reacting to climate change. Shayle and Judd cover topics like: Why insurers are limiting coverage in California, Florida, and other high-risk markets How disaster insurance, unlike auto or health insurance, faces a flood of claims all at the same time How catastrophe models (or “cat models” for short) work and why AI and other improvements struggle the solve the fundamental problem: a lack of historical data needed to predict future events The challenges of private “black-box” catastrophe models that can't be reviewed by third parties Reinsurance markets and why they're not attracting more capital to shore up insurers The pros and cons of parametric insurance, an emerging category of insurance products Undercapitalized “fly-by-night” insurers that risk insolvency and failing to pay out claim Recommended resources NBER: How Are Insurance Markets Adapting to Climate Change? Risk Classification and Pricing in the Market for Homeowners Insurance Brookings: “How is climate change impacting home insurance markets?” Credits: Hosted by Shayle Kann. Produced and edited by Daniel Woldorff. Original music and engineering by Sean Marquand. Stephen Lacey is executive editor. Catalyst is brought to you by Anza, a platform enabling solar and storage developers and buyers to save time, reduce risk, & increase profits in their equipment selection process. Anza gives clients access to pricing, technical, and risk data and tools that they've never had access to before. Learn more at go.anzarenewables.com/latitude. Catalyst is brought to you by EnergyHub. EnergyHub helps utilities build next-generation virtual power plants that unlock reliable flexibility at every level of the grid. See how EnergyHub helps unlock the power of flexibility at scale, and deliver more value through cross-DER dispatch with their leading Edge DERMS platform, by visiting energyhub.com.

Sharon Cornelissen, Director of Housing, Consumer Federation of America, joins Megan Lynch as national home insurance rates are rising. Illinois has jumped particularly high.

In this episode, YS Chi speaks with Bill Madison, CEO of our insurance business at LexisNexis Risk Solutions to explore the dynamics within the insurance industry and why premiums keep rising across the board. To understand the challenges consumers and insurance carriers are facing today, Bill takes us back to 2020, right at the beginning of the pandemic. This episode is also available on YouTube at https://youtu.be/PGgi39UtbBE

¡El único noticiero que te manda un abrazo está de aniversario! Este mes cumplimos CINCO AÑOS y para celebrarlo estamos organizando un minifestival con el EQUIPO DE LA ENCERRONA e INVITADOS SORPRESA. Entrada general: S/ 100.00 ¡50% de DESCUENTO para Premiums y Patreons! Para más información e inscripciones, ingresa aquí: Si eres patreon: https://www.patreon.com/posts/123811406 Si eres premium de Canal Ya: https://www.youtube.com/channel/UCP0AJJeNkFBYzegTTVbKhPg/community?lb=UgkxTx-hPMFZqgD6q47CKlOHezCUc8I7Worw Si aún no eres suscriptor: https://docs.google.com/forms/d/e/1FAIpQLSfsqVF-RugljrIROxOpewGgUF-TZ8ncDcf8ft4LzS5WmrwWxg/viewform?usp=sharing (Puede pedir loguearse en Google) ***** ¡Buenos días! ✊🏽 Homenaje a Paul Flores en Piura se vuelve mitin al grito de "Fuera Dina". Estado de emergencia se aplica... en Larcomar. Y la jueza suprema Elvia Barrios nos explica una propuesta para empezar a salir del hoyo. 🚨 Este viernes: Marcha contra la Delincuencia en las calles y en el poder. Justo el mismo día que el Congreso planea blindar al Ministroll. ADEMÁS: Congreso compra 13 millones de dólares en inmuebles para alojar a sus senadores. 📚 ¿Eres un escritor o escritora sin publicar? Aquí tienes una oportunidad. Conoce nuestras iniciativas culturales de la semana.a **** ¿Te gustó este episodio? ¿Buscas las fuentes de los datos mencionados hoy? SUSCRÍBETE en http://patreon.com/ocram para acceder a nuestros GRUPOS EXCLUSIVOS de Telegram y WhatsApp. También puedes hacerte MIEMBRO de nuestro canal de YouTube aquí https://www.youtube.com/channel/UCP0AJJeNkFBYzegTTVbKhPg/join **** Únete a nuestro CANAL de WhatsApp aquí https://whatsapp.com/channel/0029VaAgBeN6RGJLubpqyw29 **** Para más información legal: http://laencerrona.pe

¡El único noticiero que te manda un abrazo está de aniversario! Este mes cumplimos CINCO AÑOS y para celebrarlo estamos organizando un minifestival con el EQUIPO DE LA ENCERRONA e INVITADOS SORPRESA. Entrada general: S/ 100.00 ¡50% de DESCUENTO para Premiums y Patreons! Para más información e inscripciones, ingresa aquí: Si eres patreon: https://www.patreon.com/posts/123811406 Si eres premium de Canal Ya: https://www.youtube.com/channel/UCP0AJJeNkFBYzegTTVbKhPg/community?lb=UgkxTx-hPMFZqgD6q47CKlOHezCUc8I7Worw Si aún no eres suscriptor: https://docs.google.com/forms/d/e/1FAIpQLSfsqVF-RugljrIROxOpewGgUF-TZ8ncDcf8ft4LzS5WmrwWxg/viewform?usp=sharing (Puede pedir loguearse en Google) **** ¡Buenos días! 🏡 Los secretos del iCloud de Dina: ¿por qué le hizo seguimiento a la compra de una casa de medio millón de dólares en Ohio, EE.UU.? ADEMÁS:¿Se viene audio del ministroll? MIENTRAS TANTO: 🏫 450 colegios sufren de extorsiones en pleno inicio del año escolar. Pero Dina y el Congreso nos quieren atarantar con "soluciones" que son humo. TAMBIÉN: Oh, sorpresa. Se vuelve a aplazar el nuevo aeropuerto. Y... 🤔 ¿Un trabajador puede pagar pato –con su remuneración u honorario– cuando su empleador es embargado por la Sunat? Responde Lourdes Calderón de Infotax. **** ¿Te gustó este episodio? ¿Buscas las fuentes de los datos mencionados hoy? SUSCRÍBETE en http://patreon.com/ocram para acceder a nuestros GRUPOS EXCLUSIVOS de Telegram y WhatsApp. También puedes hacerte MIEMBRO de nuestro canal de YouTube aquí https://www.youtube.com/channel/UCP0AJJeNkFBYzegTTVbKhPg/join **** Únete a nuestro CANAL de WhatsApp aquí https://whatsapp.com/channel/0029VaAgBeN6RGJLubpqyw29 **** Para más información legal: http://laencerrona.pe

¡El único noticiero que te manda un abrazo está de aniversario! Este mes cumplimos CINCO AÑOS y para celebrarlo estamos organizando un minifestival con el EQUIPO DE LA ENCERRONA e INVITADOS SORPRESA. Entrada general: S/ 100.00 ¡50% de DESCUENTO para Premiums y Patreons! Para más información e inscripciones, ingresa aquí: Si eres patreon: https://www.patreon.com/posts/123811406 Si eres premium de Canal Ya: https://www.youtube.com/channel/UCP0AJJeNkFBYzegTTVbKhPg/community?lb=UgkxTx-hPMFZqgD6q47CKlOHezCUc8I7Worw Si aún no eres suscriptor: https://docs.google.com/forms/d/e/1FAIpQLSfsqVF-RugljrIROxOpewGgUF-TZ8ncDcf8ft4LzS5WmrwWxg/viewform?usp=sharing (Puede pedir loguearse en Google) *** ¡Buenos días! 🛑 Hasta aquí nomás. Santiváñez debe irse. Más de 1800 peruanos víctimas de homicidio en su gestión. El último: Paul Flores, de Armonía 10. ADEMÁS: La hipocresía del pacto. MIENTRAS TANTO: 🤳 La historia de los selfies de Dina enviados a su "amor". TAMBIÉN: Se confirman las CUATRO operaciones estéticas de la presidenta. Y... 🎭 Sobre la ola intolerante y conservadora contra el arte –y en especial, contra el teatro– conversamos con Alberto ísola y Pepa Duarte. **** ¿Te gustó este episodio? ¿Buscas las fuentes de los datos mencionados hoy? SUSCRÍBETE en http://patreon.com/ocram para acceder a nuestros GRUPOS EXCLUSIVOS de Telegram y WhatsApp. También puedes hacerte MIEMBRO de nuestro canal de YouTube aquí https://www.youtube.com/channel/UCP0AJJeNkFBYzegTTVbKhPg/join **** Únete a nuestro CANAL de WhatsApp aquí https://whatsapp.com/channel/0029VaAgBeN6RGJLubpqyw29 **** Para más información legal: http://laencerrona.pe

¡El único noticiero que te manda un abrazo está de aniversario! Este mes cumplimos CINCO AÑOS y para celebrarlo estamos organizando un minifestival con el EQUIPO DE LA ENCERRONA e INVITADOS SORPRESA. Entrada general: S/ 100.00 ¡50% de DESCUENTO para Premiums y Patreons! Para más información e inscripciones, ingresa aquí: Si eres patreon: https://www.patreon.com/posts/123811406 Si eres premium de Canal Ya: https://www.youtube.com/channel/UCP0AJJeNkFBYzegTTVbKhPg/community?lb=UgkxTx-hPMFZqgD6q47CKlOHezCUc8I7Worw Si aún no eres suscriptor: https://docs.google.com/forms/d/e/1FAIpQLSfsqVF-RugljrIROxOpewGgUF-TZ8ncDcf8ft4LzS5WmrwWxg/viewform?usp=sharing (Puede pedir loguearse en Google) ******** ¡Buenos días! 🤐 Ni Dina Boluarte ni López Aliaga recibieron a la misión especial por la libertad de expresión. Y ellos son dos de las principales amenazas a la prensa. Carlos Jornet, de la SIP, nos lo cuenta. 🏫🤑La rectora de San Marcos quiere cobrar pensión a los estudiantes de colegios privados. ADEMÁS:🤕 ¿Qué pasó con Betssy Chávez y las acusaciones de tortura? Y...🪚 Hoy tenemos carpintería, muebles, talleres y otros emprendimientos con DESCUENTOS para encerroners. ******* ¿Te gustó este episodio? ¿Buscas las fuentes de los datos mencionados hoy? SUSCRÍBETE en http://patreon.com/ocram para acceder a nuestros GRUPOS EXCLUSIVOS de Telegram y WhatsApp. También puedes hacerte MIEMBRO de nuestro canal de YouTube aquí https://www.youtube.com/channel/UCP0AJJeNkFBYzegTTVbKhPg/join **** Únete a nuestro CANAL de WhatsApp aquí https://whatsapp.com/channel/0029VaAgBeN6RGJLubpqyw29 **** Para más información legal: http://laencerrona.pe

¡El único noticiero que te manda un abrazo está de aniversario! Este mes cumplimos CINCO AÑOS y para celebrarlo estamos organizando un minifestival con el EQUIPO DE LA ENCERRONA e INVITADOS SORPRESA. Entrada general: S/ 100.00 ¡50% de DESCUENTO para Premiums y Patreons! Para más información e inscripciones, ingresa aquí: Si eres patreon: https://www.patreon.com/posts/123811406 Si eres premium de Canal Ya: https://www.youtube.com/channel/UCP0AJJeNkFBYzegTTVbKhPg/community?lb=UgkxTx-hPMFZqgD6q47CKlOHezCUc8I7Worw Si aún no eres suscriptor: https://docs.google.com/forms/d/e/1FAIpQLSfsqVF-RugljrIROxOpewGgUF-TZ8ncDcf8ft4LzS5WmrwWxg/viewform?usp=sharing (Puede pedir loguearse en Google) **** Encontraron planos modificados en la construcción del techo del Real Plaza Trujillo, y rastreamos una víctima más del desastre. El Congreso blinda los crímenes del Estado con la ley anti ONG. Además: El misterio sobre el psicólogo que firmó la denuncia contra Gorriti. Un ex jefe de las FF.AA. y un exministro de Defensa bloquearon la entrega de información a La Encerrona sobre las matanzas durante las protestas contra Dina Boluarte. **** ¿Te gustó este episodio? ¿Buscas las fuentes de los datos mencionados hoy? SUSCRÍBETE en http://patreon.com/ocram para acceder a nuestros GRUPOS EXCLUSIVOS de Telegram y WhatsApp. También puedes hacerte MIEMBRO de nuestro canal de YouTube aquí https://www.youtube.com/channel/UCP0AJJeNkFBYzegTTVbKhPg/join **** Únete a nuestro CANAL de WhatsApp aquí https://whatsapp.com/channel/0029VaAgBeN6RGJLubpqyw29 **** Para más información legal: http://laencerrona.pe

¡El único noticiero que te manda un abrazo está de aniversario! Este mes cumplimos CINCO AÑOS y para celebrarlo estamos organizando un minifestival con el EQUIPO DE LA ENCERRONA e INVITADOS SORPRESA. Entrada general: S/ 100.00 ¡50% de DESCUENTO para Premiums y Patreons! Para más información e inscripciones, ingresa aquí: Si eres patreon: https://www.patreon.com/posts/123811406 Si eres premium de Canal Ya: https://www.youtube.com/channel/UCP0AJJeNkFBYzegTTVbKhPg/community?lb=UgkxTx-hPMFZqgD6q47CKlOHezCUc8I7Worw Si aún no eres suscriptor: https://docs.google.com/forms/d/e/1FAIpQLSfsqVF-RugljrIROxOpewGgUF-TZ8ncDcf8ft4LzS5WmrwWxg/viewform?usp=sharing (Puede pedir loguearse en Google) **** ¡Buenos días! 🐽💸🧣 La investigación por lavado de activos contra Rafael López Aliaga... ¡¡¡que lo vincula a la gestión de su enemiga Susana Villarán!!! MIENTRAS TANTO: 🧌 ESPECIAL MINISTROLL: Ahora tiene un juez supremo. Acusado de ayudar a un policía vinculado a Los Pulpos. Descaro con la prensa y al fiscalí. ADEMÁS: Barrios Altos sigue quemándose pero el jefe de los Bomberos se fue a Matute. Y... 🎂 Cumplimos cinco años y lo vamos a celebrar EN VIVO Y EN DIRECTO, con un evento presencial al que están invitados. **** ¿Te gustó este episodio? ¿Buscas las fuentes de los datos mencionados hoy? SUSCRÍBETE en http://patreon.com/ocram para acceder a nuestros GRUPOS EXCLUSIVOS de Telegram y WhatsApp. También puedes hacerte MIEMBRO de nuestro canal de YouTube aquí https://www.youtube.com/channel/UCP0AJJeNkFBYzegTTVbKhPg/join **** Únete a nuestro CANAL de WhatsApp aquí https://whatsapp.com/channel/0029VaAgBeN6RGJLubpqyw29 **** Para más información legal: http://laencerrona.pe

¡El único noticiero que te manda un abrazo está de aniversario! Este mes cumplimos CINCO AÑOS y para celebrarlo estamos organizando un minifestival con el EQUIPO DE LA ENCERRONA e INVITADOS SORPRESA. Entrada general: S/ 100.00 ¡50% de DESCUENTO para Premiums y Patreons! Para más información e inscripciones, ingresa aquí: Si eres patreon: https://www.patreon.com/posts/123811406 Si eres premium de Canal Ya: https://www.youtube.com/channel/UCP0AJJeNkFBYzegTTVbKhPg/community?lb=UgkxTx-hPMFZqgD6q47CKlOHezCUc8I7Worw Si aún no eres suscriptor: https://docs.google.com/forms/d/e/1FAIpQLSfsqVF-RugljrIROxOpewGgUF-TZ8ncDcf8ft4LzS5WmrwWxg/viewform?usp=sharing (Puede pedir loguearse en Google) ***** ¡Buenos días! 📉 Un informe oficial de la propia PNP desnuda el combo Congreso + Ministroll: el 2024 DESCENDIÓ la lucha contra el crimen en diversos indicadores. MIENTRAS TANTO: 🍊✏️ Los finalistas del 2021 hacen el ridículo: Keiko sigue llorando fraude y Castillo se declara en huelga de hambre. ADEMÁS: Bomberos a punto de tirar la toalla con Barrios Altos. Y... 👫 ¿Sabías que un matrimonio también tiene obligaciones tributarias? ¿Cómo funciona cada régimen ante la Sunat? ¿Qué debes hacer? Lo explica Lourdes Calderón de Infotax Perú. **** ¿Te gustó este episodio? ¿Buscas las fuentes de los datos mencionados hoy? SUSCRÍBETE en http://patreon.com/ocram para acceder a nuestros GRUPOS EXCLUSIVOS de Telegram y WhatsApp. También puedes hacerte MIEMBRO de nuestro canal de YouTube aquí https://www.youtube.com/channel/UCP0AJJeNkFBYzegTTVbKhPg/join **** Únete a nuestro CANAL de WhatsApp aquí https://whatsapp.com/channel/0029VaAgBeN6RGJLubpqyw29 **** Para más información legal: http://laencerrona.pe

¡El único noticiero que te manda un abrazo está de aniversario! Este mes cumplimos CINCO AÑOS y para celebrarlo estamos organizando un minifestival con el EQUIPO DE LA ENCERRONA e INVITADOS SORPRESA. Entrada general: S/ 100.00 ¡50% de DESCUENTO para Premiums y Patreons! Para más información e inscripciones, ingresa aquí: Si eres patreon: https://www.patreon.com/posts/123811406 Si eres premium de Canal Ya: https://www.youtube.com/channel/UCP0AJJeNkFBYzegTTVbKhPg/community?lb=UgkxTx-hPMFZqgD6q47CKlOHezCUc8I7Worw Si aún no eres suscriptor: https://docs.google.com/forms/d/e/1FAIpQLSfsqVF-RugljrIROxOpewGgUF-TZ8ncDcf8ft4LzS5WmrwWxg/viewform?usp=sharing (Puede pedir loguearse en Google) **** ¡Buenos días! 👊🏽👊🏽👊🏽 El gobierno denuncia a Gustavo Gorriti. Hildebrandt revela un audio sobre Dina. Y todo sobre lo mismo: la operación estética. ADEMÁS: El golpe duro y negro del Pacto. MIENTRAS TANTO: 🍊 Canal 7 se vuelve Canal K: acusado de ser jefe de los fujitrolls ahora es asesor de Ninoska Chandía. TAMBIÉN: La historia secreta del asesor del ministroll... ¡¡¡que fue vocero de Rodolfo Orellana!!! Y... 💪🏽 Conoce nuestras iniciativas solidarias: desde apoyar estudios académicos hasta colectas para un familiar en necesidad médica. **** ¿Te gustó este episodio? ¿Buscas las fuentes de los datos mencionados hoy? SUSCRÍBETE en http://patreon.com/ocram para acceder a nuestros GRUPOS EXCLUSIVOS de Telegram y WhatsApp. También puedes hacerte MIEMBRO de nuestro canal de YouTube aquí https://www.youtube.com/channel/UCP0AJJeNkFBYzegTTVbKhPg/join **** Únete a nuestro CANAL de WhatsApp aquí https://whatsapp.com/channel/0029VaAgBeN6RGJLubpqyw29 **** Para más información legal: http://laencerrona.pe

This episode has three chapters. Each one answers a key question, and, bottom line, it all adds up to action steps directly and indirectly for many, including plan sponsors probably, community leaders, and also hospital boards of directors. Here's the three chapters in sum. For a full transcript of this episode, click here. If you enjoy this podcast, be sure to subscribe to the free weekly newsletter to be a member of the Relentless Tribe. Chapter 1: Are commercial insurance premiums rising faster than the inflation rate? And if so, is the employee portion of those premiums also rising, meaning a double whammy for employees' paychecks (ie, premium costs are getting bigger and bigger in an absolute sense, and also employees' relative share of those bigger costs is also bigger)? Spoiler alert: yes and yes. Chapter 2: What is the biggest reason for these premium increases? Like, if you look at the drivers of cost that underpin those rising premiums, what costs a lot that is making these premiums cost a lot? Spoiler alert: It's hospitals and the price increases at hospitals. And just in case anyone is wondering, this isn't, “Oh, chargemasters went up” or some kind of other tangential factor. We're talking about the revenue that hospitals are taking on services delivered has gone up and gone up way higher than the inflation rate. In fact, hospital costs have gone up over double the amount that premiums have gone up. Wait, what? That's a fact that Dr. Vivian Ho said today that threw my brain for a loop: Hospital costs have gone up over double the amount that premiums have gone up. Chapter 3: Is the reason that hospital prices have rocketed up as they have because the underlying costs these hospitals face are also going up way higher than the inflation rate? Like, for example, are nurses' salaries skyrocketing and doctors are getting paid a lot more than the inflation rate? Stuff like this. Too many eggs in the cafeteria. Way more charity care. Bottom line, is an increase in underlying costs the reason for rising hospital prices? Spoiler alert: no. No to all of the above. And I get into this deeply with Dr. Vivian Ho today. But before I do, I do just want to state with three underlines not all hospitals are the same. But yeah, you have many major consolidated hospitals crying about their, you know, “razor-thin margins” who are, it turns out, incentivizing their C-suites to do things that ultimately wind up raising prices. I saw a PowerPoint flying around—you may have seen it, too—that was apparently presented by a nonprofit hospital at JP Morgan, and it showed this nonprofit hospital with a 15.1% EBITDA (earnings before interest, taxes, depreciation, and amortization) in 2024. Not razor thin in my book. It's a, the boards of directors are structuring C-suite incentives in ways that ultimately will raise prices. If you want to dig in a little deeper on hospital boards and what they may be up to, listen to the show with Suhas Gondi, MD, MBA (EP404). Vivian Ho, PhD, my guest today, is a professor and faculty member at Rice University and Baylor College of Medicine. Her most major role these days is working on health policy at Baker Institute at Rice University. Her work there is at the national, state, and local levels conducting objective research that informs policymakers on how to improve healthcare. Today on the show, Professor Vivian Ho mentions research with Salpy Kanimian and Derek Jenkins, PhD. Alright, so just one quick sidebar before we get into the show. There is a lot going on with hospitals right now. So, before we kick in, let me just make one really important point. A hospital's contribution to medical research, like doing cancer clinical trials, is not the same as how a hospital serves or overcharges their community or makes decisions that increase or reduce their ability to improve the health and well-being of patients and members who wind up in or about the hospital. Huge, consolidated hospital networks can be doing great things that have great value and also, at the exact same time, kind of harmful things clinically and financially that negatively impact lots of Americans and doing all of that simultaneously. This is inarguable. Also mentioned in this episode are Rice University's Baker Institute for Public Policy; Baker Institute Center for Health Policy; Suhas Gondi, MD, MBA; Salpy Kanimian; Derek Jenkins, PhD; Byron Hugley; Michael Strain; Dave Chase; Zack Cooper, PhD; Houston Business Coalition on Health (HBCH); Marilyn Bartlett, CPA, CGMA, CMA, CFM; Cora Opsahl; Claire Brockbank; Shawn Gremminger; Autumn Yongchu; Erik Davis; Ge Bai, PhD, CPA; Community Health Choice; Mark Cuban; and Ferrin Williams, PharmD, MBA. For further reading, check out this LinkedIn post.   You can learn more at Rice University's Center for Health Policy (LinkedIn) and Department of Economics and by following Vivian on LinkedIn.   Vivian Ho, PhD, is the James A. Baker III Institute Chair in Health Economics, a professor in the Department of Economics at Rice University, a professor in the Department of Medicine at Baylor College of Medicine, and a nonresident senior scholar in the USC Schaeffer Center for Health Policy and Economics. Ho's research examines the effects of economic incentives and regulations on the quality and costs of health care. Her research is widely published in economics, medical, and health services research journals. Ho's research has been funded by the National Institutes of Health (NIH), the Agency for Healthcare Research and Quality, the American Cancer Society, and Arnold Ventures. Ho has served on the Board of Scientific Counselors for the National Center for Health Statistics, as well as on the NIH Health Services, Outcomes, and Delivery study section. She was elected as a member of the National Academy of Medicine in 2020. Ho is also a founding board member of the American Society for Health Economists and a member of the Community Advisory Board at Blue Cross Blue Shield of Texas. Ho received her AB in economics from Harvard University, a graduate diploma in economics from The Australian National University, and a PhD in economics from Stanford University.   05:12 Are insurance premiums going up? 05:59 What is the disparity between cost of insurance and wage increases? 06:21 LinkedIn post by Byron Hugley. 06:25 Article by Michael Strain. 06:46 How much have insurance premiums gone up for employers versus employees? 09:06 Chart showing the cost to insure populations of employees and families. 10:17 What is causing hospital prices and insurance premiums to go up so exponentially? 12:53 Article by (and tribute to) Uwe Reinhardt. 13:49 EP450 with Marilyn Bartlett, CPA, CGMA, CMA, CFM. 14:01 EP452 with Cora Opsahl. 14:03 EP453 with Claire Brockbank. 14:37 EP371 with Erik Davis and Autumn Yongchu. 15:28 Are razor-thin operating margins for hospitals causing these rising hospital prices? 16:56 Collaboration with Marilyn Bartlett and the NASHP Hospital Cost Tool. 19:47 What is the explanation that hospitals give for justifying these profits? 23:16 How do these hospital cost increases actually happen? 27:06 Study by Zack Cooper, PhD. 27:35 EP404 with Suhas Gondi, MD, MBA. 27:50 Who typically makes up a hospital board, and why do these motivations incentivize hospital price increases? 30:12 EP418 with Mark Cuban and Ferrin Williams, PharmD, MBA. 33:17 Why is it vital that change start at the board level?   You can learn more at Rice University's Center for Health Policy (LinkedIn) and Department of Economics and by following Vivian on LinkedIn.   Vivian Ho discusses #healthinsurance #premiums and #hospitalpricing on our #healthcarepodcast. #healthcare #podcast #changemanagement #healthcareleadership #healthcaretransformation #healthcareinnovation   Recent past interviews: Click a guest's name for their latest RHV episode! Chris Crawford (EP465), Al Lewis, Betsy Seals, Wendell Potter (Encore! EP384), Dr Scott Conard, Stacey Richter (INBW42), Chris Crawford (EP461), Dr Rushika Fernandopulle, Bill Sarraille, Stacey Richter (INBW41)  

As wildfires, hurricanes, and floods repeatedly devastate areas of the U.S. a focus on the nationwide insurance crisis as premiums skyrocket and companies abandon entire communities leaving homeowners forced to choose between coverage and survival. The Los Angeles wildfires decimated tens of thousands of acres, killed at least 10, and forced the evacuation of more than 180,000 people Dr. Phil focuses on a devastating crisis that's hitting close to home. Homeowners in California and across the nation are left helpless and vulnerable as insurance premiums skyrocket, leaving many with a heartbreaking choice: pay for coverage or put food on the table. First, a woman whose parents nearly lost everything in the Los Angeles wildfires, she says it's a miracle that they didn't because no insurance company would cover them, and they were without insurance. Then, Dr. Phil speaks with Kristy and Michael, who know this reality all too well after losing two homes in the last six years to California wildfires. Now, they're trying to rebuild for the second time.  Plus, Dr. Phil talks to Macie and Caleb, who couldn't afford flood insurance due to rising costs. When Hurricane Helene hit, they watched helplessly as floodwaters destroyed their forever home. Macie says it felt like a thief came in the night and stole everything.  Dr. Phil also hears from Jamie, who was shocked when her home insurance was unexpectedly canceled due to wildfire risks. Now, her family lives in constant fear of losing everything.  Dr. Phil will also speak with attorney at law Steven Bush who says that insurance companies are in it for the profit and offer tips for homeowners seeking coverage in these uncertain times. Thank you to our sponsors: Cozy Earth: Visit https://CozyEarth.com/PHIL and use code PHIL for up to 40% off Tax Network USA: Visit https://TNUSA.com/DRPHIL or call 1-800-958-1000. Preserve Gold: Get a FREE precious metals guide that contains essential information on how to help protect your accounts. Text “DRPHIL” to 50505 to claim this exclusive offer from Preserve Gold today.