Podcasts about QS

Hồi tháng trước, Bảng xếp hạng Đại học Thế giới QS đã được công bố, với hai trường đại học Úc nằm trong top 20, và sáu trường trong top 50. Tuy nhiên, có đến 70% các trường đại học Úc bị trượt hạng trong năm nay, khiến một số chuyên gia gọi đây là “hồi chuông cảnh tỉnh” cho nền giáo dục Úc. Đăng Trình có thêm chi tiết.

Tori Spelling is in the hot seat and answering a round of unexpected questions. From childhood celebrity crushes to conspiracy theories, a fan who once called her “hot pregnant,” and her hopes for a “monogamous situationship,” nothing is off limits. She opens up about her fear of phones, reveals whether she’d ever do a reality dating show, and unpacks the Chelsea Handler saga that led to one unforgettable Bravo Awards moment. Got your own outside-the-box Qs? Slide into the DMs @misspellingpodcast.See omnystudio.com/listener for privacy information.

Tori Spelling is in the hot seat and answering a round of unexpected questions. From childhood celebrity crushes to conspiracy theories, a fan who once called her “hot pregnant,” and her hopes for a “monogamous situationship,” nothing is off limits. She opens up about her fear of phones, reveals whether she’d ever do a reality dating show, and unpacks the Chelsea Handler saga that led to one unforgettable Bravo Awards moment. Got your own outside-the-box Qs? Slide into the DMs @misspellingpodcast.See omnystudio.com/listener for privacy information.

Tori Spelling is in the hot seat and answering a round of unexpected questions. From childhood celebrity crushes to conspiracy theories, a fan who once called her “hot pregnant,” and her hopes for a “monogamous situationship,” nothing is off limits. She opens up about her fear of phones, reveals whether she’d ever do a reality dating show, and unpacks the Chelsea Handler saga that led to one unforgettable Bravo Awards moment. Got your own outside-the-box Qs? Slide into the DMs @misspellingpodcast.See omnystudio.com/listener for privacy information.

Tori Spelling is in the hot seat and answering a round of unexpected questions. From childhood celebrity crushes to conspiracy theories, a fan who once called her “hot pregnant,” and her hopes for a “monogamous situationship,” nothing is off limits. She opens up about her fear of phones, reveals whether she’d ever do a reality dating show, and unpacks the Chelsea Handler saga that led to one unforgettable Bravo Awards moment. Got your own outside-the-box Qs? Slide into the DMs @misspellingpodcast.See omnystudio.com/listener for privacy information.

Tori Spelling is in the hot seat and answering a round of unexpected questions. From childhood celebrity crushes to conspiracy theories, a fan who once called her “hot pregnant,” and her hopes for a “monogamous situationship,” nothing is off limits. She opens up about her fear of phones, reveals whether she’d ever do a reality dating show, and unpacks the Chelsea Handler saga that led to one unforgettable Bravo Awards moment. Got your own outside-the-box Qs? Slide into the DMs @misspellingpodcast.See omnystudio.com/listener for privacy information.

Qs about gardenias, hydrangeas, and Japanese maple expert Norm Mittleider joins me - learning about how they're grafted

Need a good laugh? Join us as we chat with stand up comedian, Nina Kern! We do 10 Qs to get to know her, talk about her podcast “White Collars, Red Hands” and hear stories about the Chicago comedy scene. We also share new POPs! And be sure to follow Nina on Insta @iamninakern

What separates a good property manager from a great one?It's not just doing the routine inspections, collecting rent, or chasing arrears. It's being able to have deeper, value-driven conversations with landlords, ones that go beyond the usual transactional touchpoints and actually speak to why they became investors in the first place.And that's exactly what this episode is all about.Many landlords buy investment properties to create financial freedom yet property managers often miss the opportunity to be a real partner in that journey. Instead of only talking about repairs or rent increases, what if you could start meaningful conversations about topics like equity growth, tax depreciation, and market trends?That's where the magic happens. In this episode, we chat with Mike Mortlock, Managing Director of MCG Quantity Surveyors, one of Australia's fastest growing QS firms. A leading expert in tax depreciation, Mike has helped thousands of investors boost their cash flow and is a regular commentator in AFR, API Magazine, and more. He's also the host of the Geared for Growth podcast and was named one of the Top 50 most influential people in real estate by Elite Agent Magazine. He also sits on the board of the Property Investment Professionals of Australia, so he brings a wealth of insight to this conversation.“I believe they should always be leading the conversation around rent and rental movements. So you don't want the landlord to be sort of saying, oh, I've seen some data that says rents have increased by X percent. You want to be able to deliver that. And that really, I feel should be within the realm of expertise of a property manager.” -Mike Mortlock We explore:The #1 conversation most property managers are missing with landlordsHow to bring up tax depreciation even if you don't fully understand it yourselfWhat landlords actually want from their property managers The 3 triggers that tell you a landlord needs a depreciation scheduleWhy property managers should have a network of trusted experts, from insurance to financeHow to add more value and stand out from your competitors in the same suburbCreative ways to educate, retain, and impress your landlords using tools like AI, webinars, and industry partnershipsWhy deeper conversations lead to better onboarding and longer retentionKylie's Resources:Property Management Growth School: https://courses.thatpropertymum.com.au/TPM-BDMSchool Digital Marketing School: https://courses.thatpropertymum.com.au/digitalschool That Property Mum Courses: https://www.thatpropertymum.com.au/courses/ The PM Accelerate Membership: https://courses.thatpropertymum.com.au/accelerate Book a Strategy Call with Kylie: https://calendly.com/kylie-tpm/coaching-call Kolmeo: https://kolmeo.com/ Sensor Global: https://sensorinsure.com/

Like this? Get AIDAILY, delivered to your inbox, 3x a week. Subscribe to our newsletter at https://aidaily.usUS Navy Unveils AI-Powered Drone Swarm PlannerThe US Navy just revealed a slick AI system—OCDSS—that runs thousands of virtual mission scenarios to design drone swarms across air, surface, and subsurface zones. It auto-selects the best gear, formations, and sensors for specific goals, cutting planning time and boosting battlefield smarts. China's AI Revival of Kung Fu Classics Sparks Global DebateChina's film biz is using AI to restore and reanimate 100 martial arts masterpieces—from Bruce Lee to Jackie Chan—to reach Gen Z worldwide. Visuals, sound, even fully AI-animated reboots (shoutout to A Better Tomorrow: Cyber Border) are on deck. But purists worry AI might rob these legends of their original soul.The End of the English Paper? College Essays Are Getting an AI UpgradeLong-form essay assignments are fading out while AI tools rewrite how students learn and write. Though this shift ends a classic tradition, it also invites educators to rethink what higher education should do—emphasizing critical thinking, creativity, and new forms of expression.If I Share My Job With AI, What Happens? Here's the Real DealA Forbes voice dives into blending your work with AI—letting it take on organization, data crunching, and even drafting. The twist? You don't lose agency—you become the conductor, steering AI while upping your strategic game. Shares tips on asking the right Qs, verifying output, and staying essential in the AI-human collab era. How to Stop AI from Turning Us Dumb Mode OnMIT researchers used EEG to show ChatGPT users had way less brain activity—zonked memory, low creativity, low originality—compared to students writing solo . To dodge the dumb-down trap, we gotta treat AI like a tutor, not a crutch: challenge it, verify its output, and keep flexing our own mental muscles. Self‑Employed Workers Are Cashing In—Thanks to AI

In this episode, Paul Heming and Chris Barber challenge the view of Quantity Surveyors as mere cost controllers — and makes the case for QSs to step up as strategic commercial advisors.Through personal stories (including a classic misunderstanding in Italy), Paul explores why QSs are often misunderstood, and what it takes to shift from passive cost reporter to trusted advisor. Whether you're a junior QS or commercial director, this episode offers practical tips to transform how you're perceived by clients, project teams, and the wider business.

On our season 3 finale Dan and Kevin cover: TikTok trends, 28 Years Later, ruining movies, Luke Kirby, The Rack, Old Liz, Thomas Cottom, the spy Sledd, an escape plan, sacrifice, Novocain, Qs are the worst, Liberty of the Tower, name evolution, the show going forward, King James, and much much more!!Please like, subscribe, and follow where ever you listen.The Beard StrugglePodUp!PatreonMerchBuy Us A CoffeeYouTubeInstagramBlue SkyTiktokThe Sassholes Insta!!Music from Uppbeat (free for Creators!):https://uppbeat.io/t/all-good-folks/curiosityLicense code: 7QU9IW0B2IJBFZJYMusic from Uppbeat (free for Creators!):https://uppbeat.io/t/christian-larssen/suburban-honeymoonLicense code: 1OKNVEXYPW8QAYSHMusic from #Uppbeat (free for Creators!):https://uppbeat.io/t/kevin-macleod/bass-vibesLicense code: YYUZSRCQDGQROBB4Music from #Uppbeat (free for Creators!):https://uppbeat.io/t/mountaineer/kick-backLicense code: QMHHB6U0M6H9WWENRead lessMusic from #Uppbeat (free for Creators!):https://uppbeat.io/t/albert-behar/tickling-the-ivoriesAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

نشرة الأخبار :-ارتفاع حصيلة شهداء المساعدات إلى 580 في قطاع غزةمجازر متواصلة.. 88 شهيدا ومئات الجرحى في يوم واحد وأوامر إخلاء جديدةغازي العالول - مراسل رؤيا / غزةالمقاومة تنفّذ عمليات عسكرية ضد جنود وآليات الاحتلال ومقتل جندي إسرائيلي بجباليا الرقابة العسكرية بتل أبيب تحظر نشر تفاصيل الحدث الأمني بغزة  ارتفاع النداءات المنادية بإنهاء الاحتلال عدوانه على القطاعمساع أمريكية لإنقاذ نتنياهو من المحاكمة نهاد أبو غوش - محلل سياسي ورد القراقرة - مراسل رؤيا / الجليلآلاف المتظاهرين في تل أبيب يطالبون بإبرام اتفاق لإطلاق سراح الأسرى  جلسة مفتوحة لمجلس الأمن بشأن فلسطين غدا   بحراسة مشددة.. مستوطنون يقتحمون الأقصى وشرطة الاحتلال تقتحم سلوان حالهم كحال العائلات الفلسطينية.. الاحتلال يضيق الخناق على عائلة عرارالاحتلال يواصل اعتداءاته بالضفة الغربية ومستوطنون يطردون عائلات من منازلهاالهور.. عائلة جديدة في طريق إرهاب المستوطنينيوسف الهور - شقيق الشهيد محمد الهوروالدة الشهيد محمد الهوروزير الخارجية الفرنسي: مصممون على الاعتراف بدولة فلسطين  غروسي: إيران ستعود للعمل على تخصيب اليورانيوم في غضون أشهرطهران تعلن أن استهداف الاحتلال لسجن إيفين خلال العدوان أسفر عن مقتل 71 شخصامهندس معماري يشرف على إعادة إعمار قريته بفضل طائرته المسيرةعبد العزيز المحمّد - مهندس معماريعلاء الغريب - من سكان تل مرديخالمادة الكحولية المتسببة بوفاة 7 أشخاص في الزرقاء منتجة داخل مصنع للكحول إغلاق أحد مصانع المشروبات الكحولية والقبض على المسؤولين عن تشغيله   تباين في الآراء حول صعوبة وسهولة الورقة الثانية لامتحان مبحث الرياضياتالجامعات الأردنية تتقدم في تصنيف "QS" العالمي إسلام مساد - رئيس جامعة اليرموك قاسم ردايدة - عميد كلية تكنولوجيا المعلومات في جامعة اليرموكصالح جرادات - عميد شؤون الطلبة في جامعة اليرموك"شباب كلنا الأردن" تطلق مبادرة تطوعية تحت شعار "تعلم معنا"إسلام الحوامدة - منسق هيئة شباب كلنا الأردن فرع المفرقبشار الخالدي - معلم متطوع في هيئة كلنا الأردنإطلاق فعاليات المراكز الصيفية لتحفيظ القرآن الكريم في الأردند. محمد الخلايلة - وزير الأوقاف والشؤون والمقدسات الإسلاميةانطلاق معسكرات الحسين 2025 .. برامج نوعية لتعزيز دور الشبابم. يزن الشديفات - وزير الشبابمحمد المومني - مشارك في المعسكراتريتال نعيمات - مشارك في المعسكرات 

You ask, I answer. This month's Q&A covers handling an injury setback, dealing with the summer heat, soft v hard ice cream, and more. Check out the full list of Qs and my meme/GIF As at http://DizRuns.com/1301. Love the show? Check out the support page for ways you can help keep the Diz Runs Radio going strong! http://dizruns.com/support Become a Patron of the Show! Visit http://Patreon.com/DizRuns to find out how. Get Your Diz Runs Radio Swag! http://dizruns.com/magnet Subscribe to the Diz Runs Radio Find Me on an Apple Device http://dizruns.com/itunes Find Me on an Android http://dizruns.com/stitcher Find Me on SoundCloud http://dizruns.com/soundcloud Please Take the Diz Runs Radio Listener Survey http://dizruns.com/survey Win a Free 16-Week Training Plan Enter at http://dizruns.com/giveaway Join The Tribe If you'd like to stay up to date with everything going on in the Diz Runs world, become a member of the tribe! The tribe gets a weekly email where I share running tips and stories about running and/or things going on in my life. To get the emails, just sign up at http://dizruns.com/join-the-tribe The tribe also has an open group on Facebook, where tribe members can join each other to talk about running, life, and anything in between. Check out the group and join the tribe at https://www.facebook.com/groups/thedizrunstribe/

It's a summer Friday. Camp's still a few weeks out — but that doesn't mean Fitzy & Lyons can't talk some Pats. We've got listener Qs, bargumentative internet debates, and more for you — the Foxboro Faithful and diehards of Pats Nation! To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

Season 4 kinda spoke for itself, in the sense that it's a fever dream that drove us up the wall in harrowing-yet-understandable ways. As such, we don't have very many Qs to A in this episode, but we did manage to stretch them out into an hour's worth of audio...most of which is fantasy booking a Digimon crossover. But what are you gonna do? We have a brand, or something. Listen to Binary Break here: https://binarybreak.libsyn.com/ . If you want to contact us we can be found at loserlikemepod@gmail.com, or @loserlikemepod.bsky.social on BlueSky. Tanner can be found there @SparkyUpstart, and Christina @CWoodsArt. Check out the Corner Pod Net Discord here: https://discord.gg/Hf8Y2yEJPe.

We spend time on what we order for breakfast, Courtney's Love Island catch up, and The Valley! We also answer a few Qs from you all. Come judge with us!You can find us:Instagram & Threads: @twojudgeygirlsTikTok: @marytwojudgeygirls & @courtneytjgFacebook: www.facebook.com/twojudgeygirlsPodcast: ACast, iTunes, Spotify, wherever you listen!Merch: www.etsy.com/shop/twojudgeygirls Hosted on Acast. See acast.com/privacy for more information.

In today's show Scott and David celebrate the rabble-rousers of shaping, make an argument for radical design change, question why CT gets backwash while QS'rs get Nias, observe why novelty nets innovation, and surf filmmakers finally get a taste of fair compensation. Plus Dukes and Kooks! Enjoy! Learn more about your ad choices. Visit megaphone.fm/adchoices

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Arsenal have been in talks over Šeško and Gyökeres for what seems like an eternity. Is the club undecided on its #1 striker target? I'm joined by @Rory_Talks_Ball and we take your Qs.

The Beauts aren't thrilled with the free agency market, so how will Minnesota Wild General Manager Bill Guerin find his No. 1 center?  Plus, will Marco Rossi in fact be on the opening night roster? That and your Qs with the Beauts. As always, we're greeted by new voice studios, brought to you by SotaStick, presented by Talk North, Royal Credit Union, and Grain Belt. This is season 6, episode 282.

The Beauts aren't thrilled with the free agency market, so how will Minnesota Wild General Manager Bill Guerin find his No. 1 center?  Plus, will Marco Rossi in fact be on the opening night roster? That and your Qs with the Beauts. As always, we're greeted by new voice studios, brought to you by SotaStick, presented by Talk North, Royal Credit Union, and Grain Belt. This is season 6, episode 282.

Episode Summary: Anil Gupta, known as the "Love Doctor," shared insights on relationships, self-love, and personal growth. He emphasizes the importance of self-love, gratitude, and giving to achieve happiness and fulfillment. Anil discusses his "3G" formula: gratitude, giving, and growth, and highlighted the significance of integrity, love, and health in relationships. He advises against dating immediately and mentions the importance of focusing on building genuine connections. Anil also stressed the power of self-awareness, clarity, and action in transforming lives. His journey from financial loss to personal success underscored the value of love and self-acceptance.   Guest Bio: Who is Anil Gupta... AKA "The LOVE DOCTOR" Anil Gupta, is an electrifying catalyst for profound change who has devoted his life to helping people rise out of pain and blockage into overflowing Abundance, Happiness and Fulfillment. He is a bestselling author of a book called, “Immediate Happiness: Be Happy Now!” He shares his gift for identifying blocks and patterns that are keeping someone stuck and uses his advanced intuitive gifts to reconnect people with their spirit, truth and life's purpose. Anil literally wakes people up on a soul level. He helps them live a richer and fuller life that ultimately ignites their greatness.   TOP QUOTE   “You can elevate your love life with one meaningful conversation.” ---Anil Gupta   Key Takeaways:   All of the answers to these Qs are within reach, such as: ·      Do you have an issue with a spouse, child or parent? ·      Is your relationship failing? ·      Do you need clarity around relationships? ·      Do you find yourself saying things you later regret? ·      Do you wish you had more effective communication to express your feelings and wants? ·      What are you holding onto that is holding your life back? ·      Are you happy, vibrant and fearless in your life? Whether you want to get closer to your child, break out of the dating facade, appreciate your spouse more, gain respect or communicate more effectively, the time to begin is now. In this brief YOUNGER episode, you can start a journey that will release you from all of the constraints of the past and create a beautiful future NOW! The techniques discussed have been used by Anil Gupta in his life changing seminars and workshops worldwide. By changing you, the whole world changes around you. Learn how you will be able to pick your perfect partner, keep your relationship from failing and gain the love and acceptance you desire from your family and friends.   Resources for a Younger Lifestyle: For more YOUNGER Podcast Episodes: https://robynbenson.com/podcasts/   Quotes: “Happiness is about having the relationships in our families, with our co-workers, and especially our significant others that support our fulfillment, AND you absolutely have the power to make all of these INCREDIBLE with some powerful tools.” “As human beings, we love to be right, and we love to be right about being right. So, we'll, we'll fabricate circumstances to prove ourselves to be right, and we're always right.” “Don't give your happiness away.”    

Welcome to yet another episode of the Build In Public Podcast!

In this fun & unfiltered solo episode, I'm back with Part 2 of our Q+A series — answering your juicy questions straight from the DMs!  ✨ In this episode, I riff on: Why celebration expands your energetic field (& yes, what I did for my bday!) The paranormal activity in my house

In this episode, Daisy, Charlotte and Olivia talk about some Qs in the history of medicine: quinine, quarantine and quackery. _______________ Follow us on: Twitter - @RCPEHeritage Instagram - @physiciansgallery TikTok - @physiciansgallery Facebook - www.facebook.com/PhysiciansGallery Sign up for our newsletter - www.rcpe.ac.uk/newsletter To support heritage at the RCPE, please donate: www.rcpe.ac.uk/donate _______________ The Team: Olivia Howarth (@oh_archives) - Researcher/Presenter Dr Charlotte Holmes (@_CCHolmes_) - Researcher/Presenter Dr Daisy Cunynghame (@RCPEHeritage) - Researcher/Presenter Laura Burgess (@laura.burgess.18) - Producer/Social Media/Presenter Dr Sarah Hayward - Editor/Producer

“If it was so easy, why are so many people losing money in the stock market?” In this no-BS beginner's guide to stock market investing, Jaspreet breaks down the game plan most people wish they had before throwing money at random stocks and hoping for the best. You'll learn: What the stock market actually is (hint: it's not a casino, unless you treat it like one) The difference between dividends and appreciation (aka: cash flow vs. long game) The pros, cons, and risks of passive vs. active investing How to read financials (10-Ks, 10-Qs) like Warren Buffett... without needing a finance degree And why emotion-driven investing is a fast track to watching your money “disappear... oh not again” If you're tired of TikTok stock tips and want a solid foundation to build real wealth, this is the video for you. Watch ‘til the end. You'll know more than 90% of the people yelling “buy the dip.” Want more financial news? Join Market Briefs, my free daily financial newsletter: https://www.briefs.co/market Below are my recommended tools! Please note: Yes, these are our sponsors & advertisers. However, these are companies that I trust and use (or have used). The compensation doesn't affect my recommendations or advice. That being said, you should always do your own research & never blindly listen to a random guy on YouTube (or podcast). ---------- ➤ Invest In Stocks Passively 1) M1 Finance - Buy stocks & ETFs automatically: https://theminoritymindset.com/m1 ---------- ➤ Life Insurance 2) Policygenius - Get a free life insurance quote: https://theminoritymindset.com/policygenius ---------- ➤ Real Estate Investing Online 3) Fundrise - Invest in real estate with as little as $10! https://theminoritymindset.com/fundrise ----------

Health Insurance is Rigged & Controlled by the Big Companies w/ Donvan Ryckis of Ethos Benefits   - AZ TRT S06 EP10 (272) 6-15-2025              What We Learned This Week Health Insurance is primarily run by the Big 4 - BUCA: Blue Cross United Healthcare, CIGNA, Aetna To Insurance Co's – Premium = Revenue, and they are not going lower profits, so no incentive to lower costs Health insurance employer group plans can be broken down into 4 Parts Network PPO is what people typically think of when they think of health insurance There have been revisions to the Healthcare Act passed in 2021   Guest: Donovan Ryckis, Ethos Benefits https://ethosbenefits.com/   https://ethosbenefits.com/documentary/ https://businessofbenefitspodcast.com/   Our Ethos is Simple: Fiduciary First. Act in the best interest of those we serve—no matter the cost. ‘Ethos' represents the guiding principle, character, or spirit of a person or organization. It's the ‘why' that drives decision-making and fuel's purpose. Our Ethos is deeply rooted in the story of our Founder, Donovan Ryckis. Over a decade ago, Donovan, a fiduciary Series 65 securities advisor specializing in retirement and pension planning, was approached by a client facing a dire situation. The client's publicly traded broker claimed there was no solution for a staggering 37.5% health insurance renewal increase—a cost that threatened the business and its employees. With no prior experience in health insurance markets but guided by his unwavering fiduciary principles, Donovan took on the challenge. The result? He mitigated the risk entirely, delivering a solution 12% below the current rate. This allowed the business to thrive and ensured hundreds of employees wouldn't have to choose between basic necessities and skyrocketing health premiums. That moment sparked a revelation. The fraud, waste, and abuse Donovan had fought in retirement planning paled in comparison to the challenges in healthcare. He saw an opportunity to bring transparency and fiduciary principles to an industry in desperate need of change. Donovan pivoted his career, becoming one of the first fee-based health insurance advisors in the nation. By removing all conflicts of interest in broker compensation, he laid the foundation for what is now the leading innovative employee benefits agency in the country, delivering higher quality care at a significantly lower cost to employers nationwide.       Notes:   Ethos Benefits deals with employee benefits, with a primary focus on group health insurance   Per Donovan ‘Employee benefits are rigged'   Insurance company premium equals revenue. There is no incentive to lower cost, as it would lower profits.   ACA Obamacare passed in 2010, and it capped profits for insurance companies at 20%   Insurance Co's are working to expand their pool to make more profit   Health Insurance guarantees inflation keeps going up, so family of 4 could spend 35K a year   For a business, healthcare cost and employee benefits are a top 3 P&L expense   Ethos strategies can create a 30 to 40% reduction on premium impact to lower costs for a business   The HQ is in Florida, but they are a virtual office with agents and clients nationwide   Healthcare finance and delivery + Improving employee benefits     Seg 1   Donovan's bio, he was a financial advisor with a Series 65 license before he got into health insurance. Around 2014 he moved into health insurance seeing an opportunity for better service.   Typically you see agents who are working for the health insurance company and not really working for the employer companies they are selling to.   Health insurance is primarily run by the Big 4 – BUCA: Blue Cross United Healthcare, CIGNA, Aetna.   Health insurance employer group plans can be broken down into 4 Parts:   1.    TPA or third-party administrator 2.    Network PPO or HMO 3.    Pharmacy benefit RX 4.    Insurance that covers the caps the limits on the stop loss   PPO is your primary network and open on using referrals HMO is a non-preferred network typically has less offerings and tight on referrals   Ethos Benefits helps employers to break up the four parts of a group plan and customize   Network PPO is what people typically think of when they think of health insurance.   Network and the Big 4 health companies have a tighter deal with doctors and contract prices. A lot is pre-negotiated with a set of rates, which is the point of a PPO. This is where you get larger claims and they run in the system of healthcare.     Seg 2   Pay more for healthcare in the U.S. than the rest of the world   The biggest pharmaceutical companies are in the US Pharmaceutical companies in flight prices, and also set the prices They make money through spread pricing   Employers can actually pick up their own Pharma benefit and get the rebates that the big health insurance companies are not giving them   Healthcare system is a rigged game The fraud waste and abuse extremely high in health   401(k) and retirement benefit industry is actually tighter with more disclosure than the healthcare industry   Regulated better since the creation of the Securities Act in the 1930s and updates that ran through the 1970s and beyond with things like ERISA   There have been revisions to the healthcare act passed in 2021 - started in Jan.2022   Actions had 3 disclosures: ·         Brokers comp and bonus ·         Data with gag, clauses, and full access to data upon request ·         Benchmarking for drug cost     Further Notes via Google:   The revisions you are likely referring to are part of the Consolidated Appropriations Act of 2021 (CAA). While the CAA was passed in late 2020, many of its provisions, including those related to transparency in healthcare, became effective on January 1, 2022.  The three key areas of disclosure you mentioned are directly addressed within these regulations: 1.            Broker's Compensation and Bonuses: The CAA amends ERISA Section 408(b)(2) and requires service providers, including brokers, to disclose specific information to group health plan fiduciaries. 2.            Data Transparency (Gag Clauses and Full Access to Data): The CAA prohibits gag clauses, which prevent plans from providing access to their data. It also requires health insurance carriers to attest annually to their compliance with this prohibition. Moreover, the Health DATA Act, a proposed bill, would further reinforce the right of employers to access their data and hold service providers accountable for non-compliance. 3.            Benchmarking for Drug Costs: The CAA includes provisions regarding pharmacy benefit and drug cost reporting, which aims to provide greater transparency and potentially lead to better benchmarking of drug costs. The Build Back Better Act, a separate piece of legislation, also included provisions for Medicare to negotiate drug prices, further impacting drug costs and potential benchmarking.  These revisions aim to increase transparency in healthcare pricing and empower consumers and employers to make more informed decisions about their healthcare coverage.    Seg 3   Ethos works with Employers to create business plans usually with a 3 to 5 year time horizon. The goal is long-term to lower healthcare cost.   Example would be a company with 100 employees with 50 to 80% of them on the health plan (does not include dependents).   Ethos wants to keep the demands of a company low, easy transition.   Ethos handles employee Qs and healthcare navigation. Ethos is full service.   Risk handled 1 of 4 ways - Reduce, avoid, retain, transfer - Transfer to insurance   Broker wants to transfer risk Company can control costs Careful not to have too much disruption with a switch to a new company   Ex - start with pharmacy part NDC National Drug Code Run report vs costs   Pharmacy benefit mgr   Pre packaged health plan Gets co approved pharmacy benefit Save 5 - 15% on costs (30%)   Separate - parts of group plan     Seg 4   Brokers comp - incentives from big insurance companies   Opening move - edit pharmacy benefit piece   State by state - regulators and rules   Employers / employees Know the network and PPO   Nationwide covers insurance part – Stop-loss Insurance   30-40 major stop loss companies Ex: Allstate Met Life Sun Life   Stop-loss insurance for group health plans acts as a financial safety net for self-funded employers, protecting them from large, unpredictable medical claims. It is a form of additional insurance.   Healthcare risk is incredibly predictable on group basis   Overall predictable w stats, actuarial analysis   Gag clauses look at dataset from current carrier   Prescription database sets   3rd party admin are less of a concern, lots of claims   Average of 18 claims per employee per year, includes dependents   Data - review AI Claims analytics software   AI claims analytics software is transforming how insurance companies handle claims by leveraging artificial intelligence and machine learning to analyze data, automate tasks, and improve decision-making.    30 - 40% reduction in premium w Ethos     Further Notes via Google: Group Medical Plans Breakdown of the common components of a comprehensive employer group health plan, particularly within the context of a self-funded model.  Here's a more detailed explanation of each part: 1.            TPA (Third-Party Administrator): A TPA is a company that provides administrative services for self-funded health plans. This includes processing claims, handling enrollment, and managing other administrative tasks that would typically be done by an insurance company. 2.            Network (PPO or HMO): This refers to the group of doctors, hospitals, and other healthcare providers that the health plan contracts with to provide services to its members. The network defines where employees can go to receive care and often dictates the level of coverage they will receive (e.g., in-network vs. out-of-network benefits). ·                                             PPO (Preferred Provider Organization): Offers more flexibility, allowing members to see out-of-network providers, though with higher out-of-pocket costs. ·                                             HMO (Health Maintenance Organization): Typically requires members to stay within the network for covered services, except in emergencies.                 Pharmacy Benefit (RX): This component manages the prescription drug coverage for the plan. It includes negotiating drug prices, processing claims for prescriptions, and managing the plan's formulary (list of covered drugs).                 Stop-Loss Insurance: This is a crucial element for self-funded employers. It protects the employer from catastrophic claim costs. If an individual employee or the entire group's claims exceed a certain threshold (the "attachment point"), the stop-loss insurance kicks in to cover the excess costs, limiting the employer's financial liability.  Additional Considerations: ·                     Data Access: Self-funded plans often provide employers with greater access to claims data, which can be used to analyze healthcare costs, identify trends, and implement strategies to improve employee health and manage costs. ·                     Benchmarking: Employers can use claims data and industry benchmarks to compare their plan's performance to similar organizations and negotiate better rates with providers and other vendors. ·                     Wellness Programs: Some employers offer wellness programs to encourage employees to adopt healthy behaviors and potentially reduce healthcare costs. ·                     Essential Health Benefits (ACA Compliance): Group health plans must comply with the Affordable Care Act (ACA), which requires them to cover a list of essential health benefits, such as outpatient care, emergency services, hospitalization, and prescription drugs. ·                     Other Benefits: Group plans can also include other benefits, such as dental, vision, life insurance, and long- and short-term disability insurance.  Understanding these different parts is essential for employers to effectively manage their group health plan, control costs, and provide valuable benefits to their employees.      Investing Shows: https://brt-show.libsyn.com/category/Investing-Stocks-Bonds-Retirement       ‘Best Of' Topic: https://brt-show.libsyn.com/category/Best+of+BRT      Thanks for Listening. Please Subscribe to the AZ TRT Podcast.     AZ Tech Roundtable 2.0 with Matt Battaglia The show where Entrepreneurs, Top Executives, Founders, and Investors come to share insights about the future of business.  AZ TRT 2.0 looks at the new trends in business, & how classic industries are evolving.  Common Topics Discussed: Startups, Founders, Funds & Venture Capital, Business, Entrepreneurship, Biotech, Blockchain / Crypto, Executive Comp, Investing, Stocks, Real Estate + Alternative Investments, and more…    AZ TRT Podcast Home Page: http://aztrtshow.com/ ‘Best Of' AZ TRT Podcast: Click Here Podcast on Google: Click Here Podcast on Spotify: Click Here                    More Info: https://www.economicknight.com/azpodcast/ KFNX Info: https://1100kfnx.com/weekend-featured-shows/     Disclaimer: The views and opinions expressed in this program are those of the Hosts, Guests and Speakers, and do not necessarily reflect the views or positions of any entities they represent (or affiliates, members, managers, employees or partners), or any Station, Podcast Platform, Website or Social Media that this show may air on. All information provided is for educational and entertainment purposes. Nothing said on this program should be considered advice or recommendations in: business, legal, real estate, crypto, tax accounting, investment, etc. Always seek the advice of a professional in all business ventures, including but not limited to: investments, tax, loans, legal, accounting, real estate, crypto, contracts, sales, marketing, other business arrangements, etc.  

I started my self-employment journey by freelancing… but somehow I've never talked about it on the pod!So today I'm joined by Sarah Jutras of Huzzah Studio and Freelance for Life to dive into how to build a freelance career and/or land a few gigs to make ends meet.Together we unpack a few common Qs, including:What is freelancing?

VLOG June 18 US v. Sean Combs Day 26 (unless canceled by juror vertigo), next is drug mule Brendan Paul, after freak-off videos with headphones, juror issues sealed https://matthewrussellleeicp.substack.com/p/extra-in-sean-combs-trial-agent-crossed Week 5 book: https://play.google.com/store/books/details?id=j6VlEQAAQBAJ9th Circuit on Marines in LA, UN takes Iran state media Qs, bans Press

I'M BAAAACK DESTIS + BRIDEFRIENDSSS!!! Let's catch up! What's been going on and what's coming up in destination wedding land? Let's talk about it! DESTIHOUR IS BAAACK!!! Many of us are all new to this and have A LOT to catch up on. So let's meet, let me know where you are in your destination wedding journey so I can help! To kick things off, I'm sharing 10 useful tips - let's call them “toasts” (get it? First Glass - toasts

In June I'm re-posting the most popular episodes from the show while I take a step back to look at the big picture (because my monotropic brain has trouble doing that while also pumping out new content).Original show notes:What do AuDHDers need (beyond the obvious needs all humans have)? And why do those needs matter?This episode covers some important ones:Being able to engage with our interests (in a particular way)Executive Function support, without trying to make the hardest things easy or enjoyableAutonomyTrue restThe narrow path of just enough stimulationProcessing timeTo be witnessed in just the right wayRecognition that our needs vary quite a bit day to dayComing to terms with disabilitySpace and time throughout our self-discovery journeySafe enough spaces to explore what it means to be ourselfLinks mentioned:Executive function test post if you want to ask Qs or share your experienceExecutive Skills Questionnaire Revised (ESQ-R)Unmasking Autism book (affiliate link)Experimenting Your Way to an Extraordinary Life (course)Crisis Resources:USA-based anonymous crisis chatInternational crisis linesVarious types of crisis resources in about 10 countriesResources:Like Your Brain community spaceTranscript DocEmail Newsletter Hosted on Acast. See acast.com/privacy for more information.

Jam packed week this - Dale has the spending review blues, we talk Sizewell and the simple alternative we already have (it's not green either) and the dynamite revelation about Hinkley. Big focus on homes, affordable or not, the rooftop revolution we need and the Swift brick gets explained.  Meanwhile economists put a number on the cost of Reform's Nexit…western media go all estate agent in the Middle East and Dale meets Gordo.  On point Qs from our listeners rounded off with more X rated nonsense than you can shake a stick at.

Français en ondes. Humour paternel. Révolutionner le déménagement. Funérailles de VLB. Dans cet épisode intégral du 13 juin, en entrevue : Guy Bertrand, conseiller linguistique Entrevue avec Virginie Courtiol et Radi, humoristes. Chloé Daneau, propriétaire du Groupe Brisson. Une production QUBJuin 2025 Pour de l'information concernant l'utilisation de vos données personnelles - https://omnystudio.com/policies/listener/fr

Sophie Durocher rappelle l’importance d’acheter local le 12 juin. Rémi Villemure s’indigne des plaintes contre le bruit d’un terrain de football : « On est trop douillet au Québec! ». Jocelyne Robert met en garde contre ceux qui confondent séduction et agression. Jean-François Gagné Bérubé aide à repérer les vraies aubaines pour la fête des Pères. Caroline G. Murphy propose les sujets les plus éclatés du Sac de chips : émotions, humour et absurdités virales. Une production QUB Juin 2025Pour de l'information concernant l'utilisation de vos données personnelles - https://omnystudio.com/policies/listener/fr

Éduc’alcool change. Club de lecture voilé. Un prof qui n’aime pas trop le Québec libre. La censure en humour. Dans cet épisode intégral du 11 juin, en entrevue : Geneviève Desautels, directrice générale d’Éduc’alcool Romain Gagnon, ingénieur, essayiste et auteur. Marie-Anne Alepin, présidente générale de la Société Saint-Jean-Baptiste de Montréal. Une production QUB Juin 2025 Pour de l'information concernant l'utilisation de vos données personnelles - https://omnystudio.com/policies/listener/fr

My perfume hot takes, a catch-up with Principal Perfumer Sabine de Tscharner about her newest creation for Laundry Sauce, Mojave Peach, and your hotline Qs answered, ALL IN ONE EP!Thank you to our sponsor Laundry Sauce!Use code perfumeroom15 to get 15% off any Laundry Sauce order! (valid through Aug 9, 2025)FRAGS MENTIONED:Amouage Existence*, L'Artisan Passage D'Enfer, CdG Incense Zagorsk, Kyoto; Frederic Malle Portrait of a Lady, Mojave Peach, Guerlain Mitsouko, Florstalgia Iris*, Guerlain Vol de Nuit, Chanel No. 19, DS&D IDK What, Aesop: Hwyl, Tacit; MAISON d'ETTO Macanudo, Escentric Molecules Molecule 01, Perfumer H: Leather, Moss, Musk; Arquiste Tropical, Voyages Imaginaires Le Grand Jeu, Ourside Nostalgia, Sana Jardin Berber Blonde, Fulton & Roark Thousand Palms, Carolina Herrera, Good Girl, Mizensir Tres There, Ambre Magique, Carthusia Terra Mia, Thameen Peregrina, Marissa Zappas Annabel's Birthday Cake

Victor-Lévy Beaulieu parti. Régime d’union parentale. À la défense du Grand Prix à Montréal. Des étudiants américains très petits lapins. Dans cet épisode intégral du 10 juin, en entrevue : Yves Desgagnés, acteur, metteur en scène et réalisateur. Fabien Major, planificateur et chroniqueur financier. Vianney Godbout Lescouzères, ex restaurateur montréalais. Une production QUB Juin 2025Pour de l'information concernant l'utilisation de vos données personnelles - https://omnystudio.com/policies/listener/fr

Well... OKC are BACK. The #NBAFinals are 1-1 after a BIG win for OKC over Indiana in Game 2… so strap in as NBA Straya wraps it all up LIVE with Chris Anstey from the Hotel Trentham!  We break down ALL of Game 2 on today's episode of #NBA #Straya … and set you up for what will be an amazing Game 3!  It's all there in the NBA Straya Game Wrap, as well as the NBA Straya Awards: That's Not A Knife, Old Mate No Mates, Spud of the Night, Better Than Lonzo Ball and more....  Plus some AUDIENCE YEAH NAHs!!! There are some great Qs from the audience… so give em a listen!  Chris & Jimmy finish off with their picks & a preview of Game 3 of the Thunder @ Pacers NBA Finals on Thursday June 12: can Indy go back up in the series at home, or will OKC spoil the party? Who will win (or at least cover)? Find out with NBA PICKS WITH NBA STRAYA, brought to you by Dabble! Hit the link below to see all the picks & follow along.   So… strap in, lean back & enjoy! … and remember to rate, review & subscribe!  MASSIVE THANKS to the Hotel Trentham for hosting us for Game 2 the Finals - go hang out there all Finals long and watch the games with Chris.   Cheers legends, and thanks for tuning in to the best NBA podcast in the world!! #Onyas...    

Inventer des mots. La SAQ coule. Attention aux pubs IA. Santé! Dans cet épisode intégral du 9 juin, en entrevue : Pierre-Yves Lord, animateur Yves Mailloux, président fondateur du Club des dégustateurs de grands vins Une production QUB Juin 2025Pour de l'information concernant l'utilisation de vos données personnelles - https://omnystudio.com/policies/listener/fr

In this episode of Trading Takes, Sam sits down with Jason Tange, one of the founders of AskEdgar. With a passion for data-driven edge, Jason breaks down how traders can gain an edge using public filings like 10-Ks, 10-Qs, and risk disclosures, especially for small cap stocks. He also shares the philosophy behind AskEdgar, blending AI with deep domain expertise.

So... Dave Sim currently has no working phone, or fax machine."That means no more Please Hold right?"Sorry Imaginary Spotify listener, who I didn't even realize lives rent free in my head, as they say "Neither snow nor rain nor heat nor gloom of night stays these couriers from the swift completion of their appointed rounds". Which means, Dave and I found a workaround. I email the Qs to the printshop, and they print them out, Dave's assistant picks them up, and then Dave records his As on his professional recorder (so the sound is REAL good!), has it sent to me, and I cobble it all together. "Wait, no Matt-meandering-gobbledeygook? That's gotta make this pretty short..."You'd think that, but the Audio runs two hours and thirty-five minutes...This time: (I haven't listened to these fully, so I can only go by what I sent Dave)Dave discusses a box of stuff Matt SentThen a PRE-Hold For Dave Sim, of things I would have just faxed up as they came across my desk, but I sent to be printed the same day as this month's questionsThen the official questions:Matt remembers Jeff SeilerDave remembers Jackson "Butch" Guice and Peter DavidA message from ZolastrayaFernando Ramirez's next Cerebus short story@creative_fey AKA April C.'s next batch of questionsJesse Herndon's Please Hold transcript for July 2024Zombie Cerebus covers"CEREBUS ARCHIVE - FIRST RELEASE" gold sealsthe indicia on issue #6the day Elvis and his mom died and Madonna was bornStrange Death of Alex Raymond original art portfolios?This month's Please Hold stripThat's what I asked, but, again, I haven't listened to the whole thing, so no idea what Dave may have skipped/cut out.Let's find out together!

La musique country est intemporelle. Santé physique. Mode masculine au Québec. Bannir des livres. Dans cet épisode intégral du 5 juin, en entrevue : Paul Daraîche, auteur-compositeur-interprète Dr François Simard, cardiologue à l’Institut de cardiologie de Montréal/Centre ÉPIC & Sophie Tanguay, kinésiologue au Centre ÉPIC de l’Institut de cardiologie de Montréal. Une production QUB Juin 2025Pour de l'information concernant l'utilisation de vos données personnelles - https://omnystudio.com/policies/listener/fr

Boxe féminine. Mario Pelchat et les fonctionnaires. Pourboire. Subventions pour influenceurs. Dans cet épisode intégral du 4 juin, en entrevue : Katia Bissonnette, coach de boxe, responsable boxe à Équipe Québec et docteure en psychologie. Éric Duhaime, chef du Parti Conservateur du Québec et candidat dans Arthabaska. Pierre Moreau, président-directeur général du Groupe Restos Plaisirs. Une production QUB Juin 2025 Pour de l'information concernant l'utilisation de vos données personnelles - https://omnystudio.com/policies/listener/fr

Le Train Grande Vitesse | Michel Jean nommé Chevalier | Urgences et délai | Québécois en finale de la NBA Dans cet épisode intégral du 3 juin, en entrevue : Jean Mercier, professeur associé, Département de science politique à l’Université Laval. Michel Jean, écrivain. Renaud Brossard, vice-président communications à l’Institut économique de Montréal (IEDM). Une production QUB Juin 2025Pour de l'information concernant l'utilisation de vos données personnelles - https://omnystudio.com/policies/listener/fr

Pull out the razors, tweezers, clippers, and bush wackers, because it's time to get your secret garden cleaned up before summer hits. Today, we're fielding your Qs about all the hairs that aren't on your head.-For business inquiries or to submit a question, email us at dearqueers.pod@gmail.comFollow us on instagram | @dear.queersOur blog | dearqueers.blogspot.comOriginal music by Andrew Linnhttps://andrewlinnmusic.com |@andrewlinnmusicCover art by Elizabeth Kelner |@lizziekelner

You ask, I answer. New month, same formula. No need to fix what isn't broken, eh? This month's Qs include grilling preferences, gearing up for a scary race, the impact of race day heatwaves, and a whole lot more! Check out DizRuns.com/1297 for the full list of Qs and my meme/GIF As. Love the show? Check out the support page for ways you can help keep the Diz Runs Radio going strong! http://dizruns.com/support Become a Patron of the Show! Visit http://Patreon.com/DizRuns to find out how. Get Your Diz Runs Radio Swag! http://dizruns.com/magnet Subscribe to the Diz Runs Radio Find Me on an Apple Device http://dizruns.com/itunes Find Me on an Android http://dizruns.com/stitcher Find Me on SoundCloud http://dizruns.com/soundcloud Please Take the Diz Runs Radio Listener Survey http://dizruns.com/survey Win a Free 16-Week Training Plan Enter at http://dizruns.com/giveaway Join The Tribe If you'd like to stay up to date with everything going on in the Diz Runs world, become a member of the tribe! The tribe gets a weekly email where I share running tips and stories about running and/or things going on in my life. To get the emails, just sign up at http://dizruns.com/join-the-tribe The tribe also has an open group on Facebook, where tribe members can join each other to talk about running, life, and anything in between. Check out the group and join the tribe at https://www.facebook.com/groups/thedizrunstribe/

A bit of sadness to address, and then onto the core Qs from our dear listeners. Learn more about your ad choices. Visit megaphone.fm/adchoices

incoming facetime call

We're switching things up a little today, because my daughter is here to chat with me!Kiana is a 19-year old college student, cat mom to Ollie, and honestly, my BFF. We wanted to do a fun and laid-back Q&A - these questions all came straight from my IG community (thank you to those of you who submitted Qs)!We're chatting about everything from our Oura Ring stats to fitness habits and trends, Kiana's refreshingly honest take on social media and comparison, her thoughts on my podcast and business, and more.Whether you're a parent, fitness lover, or just want to hear a relatable + lighthearted back and forth between mom & daughter, this is some #realtalk you won't want to miss. I hope you enjoy getting to know BOTH of us a little better!!In this episode, we chat about:Our experiences with the Oura Rings & fitness gadgets + how we view competitionHow my habits have influenced Kiana's interest in fitnessHow social media + fitness trends have affected KianaKiana's healthy mindset around comparisonHow my business + brand growth has inspired Kiana beyond just everyday “mom stuff”What Kiana *really* does when I encourage her to lift weightsKiana's sports background + her favorite advice from meLinks/Resources:$10 code off Oura RingJoin IT GIRL Community MembershipJoin FIT CLUB, my monthly membership with workouts you can do at home or the gymPRIVATE COACHING is my 1:1 program (choose 3 or 6 month option)Connect with me on Instagram @kristycastillofit and @unfuckyourfitnesspodcast so we can keep this conversation going-be sure to tag me in your posts and stories!Join my FREE Facebook group, Unf*ck Your FitnessClick HERE for my favorite fitness & life things!Send me a text with episode ideas or just to say hi! Support the show