Podcasts about Scenario

1/2  HEADLINE: Scenario: Russia Attacks NATO Member Estonia; Europe's "Kantian Dreams" and Lack of Readiness Prevent Article 5 Response GUEST: Jakub Grygiel Jakub Grygiel analyzes the German book If Russia Wins, which outlines a scenario where Russia attacks NATO member Estonia around 2028 following a stalled conflict in Ukraine, capturing Narva and an island before halting its advance and creating confusion within NATO. Europeans, living in "Kantian dreams of eternal peace," prioritize a quick end to the conflict and fear escalation, and the scenario posits that the US President decides a World War III over a "tiny piece of land" is not worthwhile, leading Estonia to forego invoking NATO's Article 5 out of fear of alliance rejection. Grygielnotes that decades of demilitarization leave Europe unprepared for war, highlighting that US reinforcements could take 45 days to move and societies lack the political will to fund necessary rearmament.

PREVIEW NATO Dilemma: Responding to Russian Aggression in Estonia (2028 Scenario) Jakub Grygiel Jakub Grygiel's book, If Russia Wins, explores a scenario years from now where Russia takes the city of Narva in Estonia after a frozen conflict in Ukraine. This action forces NATO to decide whether to invoke Article Five. Responding militarily is difficult because it would likely involve escalation, requiring NATO to strike logistical bases, missile installations, and airports within Russia proper.

2/2  HEADLINE: Scenario: Russia Attacks NATO Member Estonia; Europe's "Kantian Dreams" and Lack of Readiness Prevent Article 5 Response GUEST: Jakub Grygiel Jakub Grygiel analyzes the German book If Russia Wins, which outlines a scenario where Russia attacks NATO member Estonia around 2028 following a stalled conflict in Ukraine, capturing Narva and an island before halting its advance and creating confusion within NATO. Europeans, living in "Kantian dreams of eternal peace," prioritize a quick end to the conflict and fear escalation, and the scenario posits that the US President decides a World War III over a "tiny piece of land" is not worthwhile, leading Estonia to forego invoking NATO's Article 5 out of fear of alliance rejection. Grygielnotes that decades of demilitarization leave Europe unprepared for war, highlighting that US reinforcements could take 45 days to move and societies lack the political will to fund necessary rearmament.

Hiring a “quality manager” in China or Asia doesn't always mean you're getting someone who can actually protect your brand. In this episode, Renaud walks through how to tell a real quality leader from a simple document handler: the interview questions that expose true ISO 9001 competence, what strong (and weak) answers sound like, and how this role can either quietly drain money… or drive real improvement.   Episode Sections: 00:00 – Cold Open: Can you trust that “quality manager”? 01:00 – Why the quality manager hire is a “hidden” benefit (or risk) 02:30 – Do you want a document pusher or an improvement leader? 04:45 – ISO 9001 “trick questions” that reveal real knowledge 07:00 – Can they explain the system, not just recite the standard? 09:20 – Scenario: lots of customer complaints – what do they actually do? 12:30 – Switching between “heavy” analysis and fast problem-solving 14:00 – What “profile” are you really looking for? 16:00 – Paying more for the right person vs. the cost of poor quality 18:00 – Wrap-up: Practical takeaways for your next hire   Related content... Quality Manager Interview Questions To Test Knowledge Of ISO 9001 QA Strategy in China: 10 Elements You Should Include Basics about ISO 9001: The Standard and the Certification Process How a Chinese Factory Can Get ISO 9001 Certified What Factory CERTIFICATIONS Mean in China How a Factory Can (and Should) Go Beyond ISO 9001 Get in touch with us Connect with us on LinkedIn Contact us via Sofeast's contact page Subscribe to our YouTube channel Prefer Facebook? Check us out on FB

"Come as you are works in Japan when leaders are also willing to read the air and meet people where they are". "Japan isn't as risk-averse as people think; it is uncertainty avoidance and consensus norms like nemawashi and ringi-sho that slow decisions". "In Japan, numbers are universal, but how people feel about those numbers is where real leadership begins". "For foreign leaders, kindness, patience, and genuine curiosity are far more powerful than charisma or title". "Women leaders who embrace their own style, instead of copying male role models, can quietly transform Japanese workplaces".   Joanne Lin is Senior Director, APAC, for Deckers Brands, the American company behind UGG, HOKA, and Teva. Born in Taiwan and raised in Canada, she later completed her MBA at Boston University and began her career in Boston, working in a trading company and then at Merrill Lynch Investment Company. In 2000, she moved to Japan for family reasons and has since built a 25-year leadership career in this complex market. In Japan, Joanne first held senior finance roles, including Head of Finance for Reebok Japan and CFO for Aegis Media, where she worked on mergers and acquisitions. She joined Deckers over thirteen years ago as CFO for Japan and was later asked to step in as interim Country Manager for Deckers Japan. Today she is back in an APAC-wide role, responsible for finance and strategy across 15 markets, including Japan, China, South Korea, Hong Kong, Australia and New Zealand. Her remit covers subsidiaries and distributor markets alike, requiring constant adaptation across cultures. Throughout her journey, Joanne has learned to reconcile a direct, North American style with Japan's more implicit, consensus-driven culture. Often mistaken for Japanese because of her appearance, she calls herself the "invisible gaijin", using that ambiguity to observe carefully, read body language, and bridge cultural expectations. Her leadership story is one of resilience, curiosity, and the quiet confidence to lead as herself in a country that often expects conformity. Joanne Lin's leadership journey began far from Japan. Born in Taiwan and raised in Toronto, she grew up immersed in North American directness, meritocracy, and straight-talking feedback. After completing an MBA at Boston University, she started her career in Boston, first at a trading company and then at Merrill Lynch Investment Company, building a strong foundation in finance. Numbers, ratios, and cash flows were her native business language long before she ever heard the phrase kūki o yomu — "reading the air" — in Japan. In 2000, she moved to Japan for family reasons, expecting to build a career but not realising how deeply the culture would challenge her assumptions about leadership. She entered the corporate world here without Japanese language skills and without local experience. Physically, many colleagues assumed she was Japanese, or at least of Japanese descent, and treated her accordingly. She jokes that she became an "invisible gaijin": expected to understand unspoken rules despite never having grown up with them. Early on, she discovered that in Japan, silence often speaks louder than words. Concepts akin to nemawashi — the quiet groundwork of building consensus before meetings — and the unspoken pressure to align with the group meant that decisions rarely came from a single, charismatic leader. Instead, she had to watch faces, posture and micro-reactions around the table. While she came from an environment where people said "yes" or "no" clearly, in Japan phrases like "I'll think about it" could mean "no" 80% of the time. Learning to interpret these signals became as important as reading the P&L. Her career advanced steadily through senior finance roles: Head of Finance for Reebok Japan, CFO for Aegis Media leading M&A, and later CFO for Deckers Japan. Over thirteen years at Deckers, she helped steer the growth of brands such as UGG and the fast-rising performance brand HOKA in one of the world's most competitive footwear markets. Eventually, she was asked to serve as interim Country Manager for Deckers Japan, an opportunity that tested her ability to go beyond numbers and lead entire functions including sales, marketing, HR and retail. Joanne's leadership philosophy is grounded in being genuine and transparent. She believes in explaining the "why" behind decisions, giving context, and aligning people rather than simply seeking agreement. She spends time helping non-finance colleagues understand what gross margin, discounts and operating income mean in practical terms, translating finance into everyday language rather than using it as a gatekeeping tool. Engagement surveys, where Japan often scores modestly compared with global benchmarks, have been a recurring theme in her work. Rather than blaming culture, she looks at how questions are worded, how norms shape responses, and then uses those insights to design practical remedies — from "lunch and learn" sessions to cross-functional gatherings and new-joiner lunches with senior leaders. As a woman leader, Joanne has wrestled with impostor syndrome yet chosen to step forward anyway. She sees many high-potential women in Japan holding back, waiting to be "perfect" before raising their hand. Her message to them is clear: trust yourself, recognise your natural strengths in communication and empathy, and accept that no leader — male or female — is ever fully ready. In the end, her story is about blending global experience with local nuance, leading with kindness and clarity, and proving that one can honour Japanese culture while still bringing a distinct, authentic leadership style to the table. Q&A Summary What makes leadership in Japan unique? For Joanne, leadership in Japan is defined by what is not said. The real meeting often happens before and after the official meeting, through nemawashi, where stakeholders quietly shape outcomes. In the room, kūki o yomu — reading the air — is critical: leaders must observe body language, side glances and subtle hesitations to interpret what people truly think. Formal tools like ringi-sho workflows, built on stamped approvals and consensus, reinforce a collective approach to decision-making. Japanese employees often assume the leader should already know their needs without them having to say it. That expectation of intuitive understanding, combined with a strong norm of harmony, makes empathetic listening and patience indispensable leadership skills. Why do global executives struggle? Global executives often arrive with a Western template: clear targets, rapid decisions, direct feedback. In Japan, that can clash with a culture that prizes stability, seniority and group consensus. Leaders may misinterpret indirect communication as indecisiveness or lack of ambition, when in fact people are carefully weighing the impact on the group. Engagement surveys then show Japan at the bottom of global rankings, and headquarters misreads this as disengagement, rather than a reflection of conservative scoring norms. Many foreign leaders also underestimate how much time must be invested in trust-building, one-on-one conversations, and slow-burn relationship work before people feel safe to share ideas or challenge the status quo. Is Japan truly risk-averse? Joanne sees Japan as more uncertainty-avoidant than risk-averse in the pure financial sense. As a finance professional, she knows that commercial risk can be quantified — through scenarios, ratios and forecasts. But in Japan, the social and reputational risks loom equally large: who will be blamed if this fails, what will it do to group harmony, how will customers react? These uncertainty factors slow decisions more than the numbers themselves. Leaders who introduce tools like decision intelligence platforms, scenario simulation or even digital twins of supply chains can help Japanese teams see risk in a structured way, reducing the emotional fear around uncertainty and making experimentation feel safer. What leadership style actually works? The style that works for Joanne is grounded in transparency, modesty and consistency. She leads by example, explaining not only what must be done, but why, and what it means for individuals and teams. She tries to give her people "airtime", resisting the urge — common to many finance leaders — to jump straight to the solution. In practice, that means listening to ideas without immediate judgement, thanking people publicly for their input, and celebrating small wins as much as big milestones. She maintains high standards but increasingly recognises that not everyone should be held to the same work rhythm she sets for herself. Alignment, not forced agreement, is the goal: people may disagree but still commit to the path once they feel heard. How can technology help? Technology, in Joanne's world, is not just about efficiency; it is a bridge between data and human behaviour. Advanced analytics, dashboards and decision-support tools can make trade-offs between margin, volume and investment more tangible for non-finance teams. AI-driven text analysis of engagement comments can surface themes that traditional surveys miss, helping leaders understand sentiment behind Japan's modest scoring patterns. Scenario modelling and digital twins of operations can turn abstract risks into concrete options, making it easier for consensus-driven teams to move forward. At its best, technology supports nemawashi by giving everyone a shared, data-informed picture, rather than replacing dialogue. Does language proficiency matter? Joanne arrived in Japan with no Japanese language ability and was forced to become an intense observer of body language and context. That experience convinced her that leadership is possible without fluency — but far more sustainable with it. Learning Japanese shows respect, reduces distance, and makes informal conversations and humour possible. Even basic proficiency helps leaders understand nuance in ringi documents, hallway chats, and customer feedback. She encourages foreign leaders to invest in language learning not as a checkbox, but as a signal of commitment to the market and to their teams. What's the ultimate leadership lesson? Her core lesson is simple yet demanding: be kind, be open, and be yourself. Leaders should stop expecting perfection from themselves and from others, especially in a country where external shocks like currency swings, tariffs and pandemics can derail even the best-laid plans. Instead, they should focus on doing their best, communicating clearly, and treating people with respect. For women leaders especially, Joanne's message is to step forward even when self-doubt whispers otherwise — to recognise that their strengths in empathy, communication and cultural sensitivity are not "soft" add-ons but central to effective leadership in Japan. In the long run, success here is less about heroics and more about steady, human-centred leadership that people genuinely want to follow. Timecoded Summary [00:00] The conversation opens with an introduction to Deckers Brands, the American company headquartered in Santa Barbara and best known in Japan for UGG, HOKA and Teva. Joanne explains that Deckers historically functions as a holding-style company, acquiring and growing footwear brands, and that Japan is a key market where three major brands are active. She outlines her current role as Senior Director, APAC, overseeing finance and strategy across 15 countries, including both subsidiaries and distributor markets. [05:20] Joanne traces her career arc: Taiwanese by birth, raised in Canada, MBA from Boston University, then finance roles in Boston with a trading company and Merrill Lynch Investment Company. In 2000 she relocates to Japan for family reasons, later becoming Head of Finance for Reebok Japan and CFO for Aegis Media, working on M&A. She joins Deckers over thirteen years ago as CFO for Japan and eventually steps into an interim Country Manager role, before returning to a wider APAC mandate based in Japan. [12:45] The discussion shifts to cultural adjustment. Because she "looks Japanese", colleagues initially assume she understands Japanese norms. She describes becoming an "invisible gaijin", held to local expectations without having grown up here. She learns to read the air, focusing on facial expressions, body language and context. Phrases like "I'll consider it" often conceal a "no", and she gradually becomes adept at interpreting such indirect communication. Her direct North American instincts must be tempered by Japanese expectations for restraint and harmony. [19:30] Finance and human reactions to numbers come into focus. Joanne notes that while sales, gross margin and SG&A appear objective, different functions interpret them in varied ways: finance may celebrate high margins while sales may worry they are under-investing. She stresses the importance of explaining financial concepts in simple terms, almost as if speaking to a 10-year-old, so that everyone can understand consequences. Her temporary shift from CFO to GM broadens her empathy for non-finance views and deepens her appreciation for cross-functional tension. [26:10] Attention turns to team engagement and communication. Japan's engagement survey scores routinely trail global averages, a pattern she attributes partly to cultural modesty and translation issues. Instead of accepting low scores as fate, she focuses on post-survey action: leaders are asked to talk openly with teams, understand expectations, and co-create remedies. Concrete initiatives such as "lunch and learn" sessions and new-joiner lunches with directors help break silos, humanise leadership and create informal nemawashi-like spaces where people can ask questions and share concerns. [33:40] Joanne discusses culture-building under the umbrella of Deckers' "Come as you are" value. She supports self-expression — even store staff in gender-fluid fashion — as long as it's tasteful and customer-appropriate. Her own leadership style is to be genuine, transparent and open about vulnerabilities. She balances the efficiency of top-down directives with the long-term benefits of participation: while consensus-building and alignment take time, they reduce turnover, re-training costs and disengagement. [40:15] Gender and leadership come into sharper focus. Joanne recounts her own bouts of impostor syndrome and the temptation, earlier in her career, to doubt her readiness for bigger roles. She notes that many women hesitate to raise their hands until they feel almost 100% qualified, while men may step up with far less. She encourages aspiring women leaders to recognise their strengths in empathy and nuanced communication, to "give it a try" even when not fully confident, and to view setbacks as learning rather than final verdicts. [47:30] The interview closes with advice for foreign leaders coming to Japan. Joanne emphasises being open, respectful and kind — to oneself and to others. She urges leaders to accept that Japan's deep-rooted culture will not change in a short posting, and that success depends on adapting rather than trying to remodel the country. Learning Japanese, even imperfectly, is both a sign of respect and a practical tool for building trust. Ultimately, she argues, effective leadership in Japan is about balancing data and humanity, global standards and local nuance, ambition and empathy. Author Credentials Dr. Greg Story, Ph.D. in Japanese Decision-Making, is President of Dale Carnegie Tokyo Training and Adjunct Professor at Griffith University. He is a two-time winner of the Dale Carnegie "One Carnegie Award" (2018, 2021) and recipient of the Griffith University Business School Outstanding Alumnus Award (2012). As a Dale Carnegie Master Trainer, Greg is certified to deliver globally across all leadership, communication, sales, and presentation programs, including Leadership Training for Results. He has written several books, including three best-sellers — Japan Business Mastery, Japan Sales Mastery, and Japan Presentations Mastery — along with Japan Leadership Mastery and How to Stop Wasting Money on Training. His works have also been translated into Japanese, including Za Eigyō (ザ営業), Purezen no Tatsujin (プレゼンの達人), Torēningu de Okane o Muda ni Suru no wa Yamemashō (トレーニングでお金を無駄にするのはやめましょう), and Gendaiban "Hito o Ugokasu" Rīdā (現代版「人を動かす」リーダー). In addition to his books, Greg publishes daily blogs on LinkedIn, Facebook, and Twitter, offering practical insights on leadership, communication, and Japanese business culture. He is also the host of six weekly podcasts, including The Leadership Japan Series, The Sales Japan Series, The Presentations Japan Series, Japan Business Mastery, and Japan's Top Business Interviews. On YouTube, he produces three weekly shows — The Cutting Edge Japan Business Show, Japan Business Mastery, and Japan's Top Business Interviews — which have become leading resources for executives seeking strategies for success in Japan.

On today's episode, we dive deep into the chaos surrounding Florida's head-coaching search — starting with the biggest mystery of the week: Did Jon Sumrall actually interview with the Gators, or was the entire situation a strategic leak gone sideways? Reports say Sumrall backed out, but would a Group of Five coach really walk away from Florida… or did he realize he was being used to pressure Lane Kiffin? We also break down Sumrall's strange ‘not a top-25 team' comment, and what it tells us about his mindset, motives, and future. Next: Are Florida fans setting themselves up for disappointment if the hire isn't Lane Kiffin? My opinion changes every 24 hours — and we sift through where Lane truly might end up. Then we tackle the national picture: • If the final two playoff spots come down to Alabama, Notre Dame, BYU, and Miami, which two are in? • Has the College Football Playoff Committee basically told us bad losses matter more than big wins? And does head-to-head still matter at all? We also react to the Big Ten floating a 24-team playoff — what's the perfect number, and is this just a money grab? PLUS: A wild hypothetical — • Could Michigan leave the Big Ten? • Would they go independent? • Would the SEC take them, and how would Michigan actually fare in the SEC? To close the show, we look ahead to a sleepy November slate and explain why this weekend proves how badly the SEC needs to ditch cupcake week — thankfully, that ends next year. And of course: Does the loser of Oregon vs USC fall out of the CFP?

Welcome to The Inner Game of Change. where we explore the thinking behind the doing of change.In this episode, I am joined by Ross Dawson—futurist, keynote speaker, and author of five influential books, including Thriving on Overload and Developing Knowledge-Based Client Relationships. Ross is known globally for his work at the intersection of foresight, networked systems, and human–AI collaboration.We unpack what it really means to lead in a world where AI is no longer just a tool, but a thinking partner. Ross shares his five-part framework—purpose, framing, filtering, attention, synthesis—for building clarity in the face of information overload. Together, we explore what trust looks like in human–AI teams, how to reimagine organisational design, and why every leader today needs to become their own futurist.If you are navigating change, designing future-fit teams, or rethinking how humans and machines work together—this episode offers both depth and direction.I am grateful to have Ross chatting with me today.Ross DawsonIn demand worldwide as a futurist, keynote speaker and board advisor:- Has delivered keynotes and strategy sessions in over 30 countries across 6 continents- Works with boards and leadership teams of major organizations globally - Has run executive education programs and lectured at top academic institutions around the world- Frequently in global media and author of compelling futurist content for PR campaigns Parallel entrepreneur- Founding Chairman, Advanced Human Technologies Group- Founder, Informivity- Founder, Bondi Innovation Alliance Bestselling author of 5 books on the future of business: - Thriving on Overload, a guide to success in a world of unlimited information- Living Networks, now out in its 20th anniversary edition, anticipated the rise of social media- Developing Knowledge-Based Client Relationships, a reference text for professional services firms, out in its second edition- Getting Results From Crowds, a seminal guide to crowdsourcing, out in its second edition- Implementing Enterprise 2.0, a landmark book on applying web technologies inside companies Expertise: Future thinking and long-term strategy, Entrepreneurship, Scenario planning, Network economy, Future of business, Future of work and education, Future of organizations, Future of media, Future of marketing and PR, Future of retail, Future of healthcare, Future of government, Financial services, Professional services, Corporate innovation, Parallel entrepreneurship, Crowdsourcing, Social media, High-value relationships, Influence networks, Social network analysis, Shared value creation, Concept visualization.ContactsRoss' Profilelinkedin.com/in/futuristkeynotespeakerWebsitesrossdawson.com/ (Personal)Send us a textAli Juma @The Inner Game of Change podcast Follow me on LinkedIn

Gov peppers Jim and Jon with seven topics across college and pro football

In this week's podcast we look at pre-holiday behavior spikes through a problem-solving lens. Instead of “How do we punish this?” we ask, “What skill is missing?” She models restorative conversations, shares reflection tools that build self-awareness, and walks through calm-down strategies that help students regulate before you problem-solve.Key takeawaysBehavior = communication. Shift from “what's wrong with the student?” to “what's happening for the student?”Use restorative approaches: understand harm, take responsibility, repair relationships, restore trust.Reflection > reaction: guided behavior reflection sheets connect thoughts, feelings, needs, and next steps.Regulation first: you can't consequence a child into calm; teach calming tools, then problem-solve.Mindset shift: connection before correction; growth over guilt.Try-it-now toolsRestorative questions:What happened? • What were you thinking/feeling? • Who was affected & how? • What makes it right? • What will you do next time?Behavior Reflection prompts:Trigger • Feeling • Need • Better choice next time • Who to repair with & how (what a real apology looks/sounds like).Calm-down strategies:Square/5-finger breathing, grounding (5–4–3–2–1), movement/water break, sensory tools (rings, stress balls), feelings check-ins/thermometers.Scenario highlight“Jayden in the line”: Instead of office + lecture, Carol uses a brief restorative chat/circle + reflection sheet to move from guilt to growth and repair.Counselor moves to start this weekModel restorative conversations (skip “Why did you do that?”).Teach emotion language (feeling wheels, visuals, daily check-ins).Build a Behavior Reflection Toolkit for you and teachers.Quote to remember“Punishment might stop the behavior, but it doesn't heal what's underneath. Problem-solving does.”ConnectFollow Carol on IG: @counselingessentialsShare what's in your calm-down kit and tag the show!Think SheetsGrab the Show Notes: Counselingessentials.org/podcastJoin Perks Counseling Club Membership and get the lessons, small group and individual counseling materials you need. Join now and get your first month free when you sign up for 3 months!Connect with Carol:TpT StoreCounseling Essentials WebsiteInstagramFacebookElementary School Counselor...

Have you ever wondered whether it's better to buy quality or quantity of investment properties? Today, I break down the real drivers of long-term real estate wealth and show why strategy must be built around goals, borrowing capacity, cash flow, and lifestyle. I will unpack how rental yield, capital growth, and risk tolerance determine whether high-end, mid-range, or mixed property selections deliver better outcomes. I compare three investment scenarios to reveal how different property mixes impact passive income, equity growth, and long-term serviceability and outline why it's not a one-size-fits-all answer, giving the importance of a personalised strategic portfolio plan. Let’s go inside. Resource Links: Get your Strategic Portfolio Plan and our help with Buying Your Next Perth Property (https://www.investorsedge.com.au/invest-in-perth-property/) Get email updates about suburb intelligence reports and exclusive invites to our webinars, events, and workshops. Join (investorsedge.com.au/join) Join the Perth Property Investment Facebook Group (https://www.facebook.com/groups/perthpropertyinvestors) Join Jarrad Mahon’s Property Investor Update (https://www.investorsedge.com.au/join) For more info on our award-winning and highly rated Property Management services that give you guaranteed peace of mind (https://www.investorsedge.com.au/perth-property-management-specialists/) For more info on how our Property Sales services can ensure you get the best selling price while handling all the stress for you (https://www.investorsedge.com.au/selling-your-perth-property/) Episode Highlights: Intro [00:00] Long-Term Property Investment Strategies [01:14] Case Study: John and Mary's Financial Profile [01:26] Scenario 1: High-Quality Property Investment [06:06] Scenario 2: Two Mid-Range Properties [10:22] Scenario 3: Three Lower-Priced Properties [10:43] Comparing Scenarios and Personalized Investment [22:52] Thank you for tuning in! If you liked this episode, please don’t forget to subscribe, tune in, and share this podcast. Connect with Perth Property Insider: Subscribe on YouTube: https://www.youtube.com/@InvestorsedgeAu Like us on Facebook: https://www.facebook.com/investorsedge See omnystudio.com/listener for privacy information.

Benny's Liquor, Fireworks & Gunpowder Emporium went up in flames last night. Motion-detector alarms caught the fire and automatically notified the police, who found the fire and called the local fire chief, but by the time they arrived it was too late. Now his insurer claims he violated his Protective Safeguards Endorsement by installing burglary alarms instead of actual fire alarms. Benny doesn't recall anything about this, but apparently it's some paper he signed when he bought the policy. Key Takeaways [ 00:37 ] - Benny's shop burned down, and his insurer denied the claim due to a protective safeguards endorsement violation. [ 01:05 ] - Benny had a motion detector burglar alarm instead of the required fire alarm and does not recall agreeing to the protective safeguards endorsement. [ 06:09 ] - Protective safeguards endorsements require the insured to maintain the specific safeguards named in the policy schedule as a condition of insurance. [ 06:59 ] - If the insured knows of any suspension or impairment in the safeguards, they must notify the insurer or risk losing coverage. [ 08:29 ] - If a safeguard is shut off due to breakage or leakage, repairs must be completed within 48 hours for notification to the insurer not to be necessary. [ 10:47 ] - Courts often follow the strict policy language; simply having a different type of alarm, even if it detected the fire, is not considered compliant. [ 12:04 ] - The protective safeguards endorsement is often found in commercial property or farm coverage, and courts tend to enforce strict compliance. [ 15:15 ] - Coverage can be denied even if the breach of the safeguard duty did not affect the outcome of the loss because compliance is a condition of the insurance. [ 18:11 ] - Beth provides a summary of the key takeaways. Your PLRB Resources Coverage Question: Fire Loss Involving Protective Safeguards Endorsement - https://www.plrb.org/documents/fire-loss-involving-protective-safeguards-endorsement/ Law Review: New Hamilton Liquor Store, Inc. v. Amguard Ins. Co. - https://www.plrb.org/documents/new-hamilton-liquor-store-inc-v-amguard-ins-co-2020/ Employees of member companies also have access to a searchable legal database, hundreds of hours of video trainings, building code materials, weather data, and even the ability to have your coverage questions answered by our team of attorneys (https://www.plrb.org/ask-plrb/) at no additional charge to you or your company. Subscribe to this Podcast Your Podcast App - Please subscribe and rate us on your favorite podcast app YouTube - Please like and subscribe at @plrb LinkedIN - Please follow at "Property and Liability Resource Bureau" Send us your Scenario! Please reach out to us at 630-509-8704 with your scenario! This could be your "adjuster story" sharing a situation from your claims experience, or a burning question you would like the team to answer. In any case, please omit any personal information as we will anonymize your story before we share. Just reach out to scenario@plrb.org.  Legal Information The views and opinions expressed in this resource are those of the individual speaker and not necessarily those of the Property & Liability Resource Bureau (PLRB), its membership, or any organization with which the presenter is employed or affiliated. The information, ideas, and opinions are presented as information only and not as legal advice or offers of representation. Individual policy language and state laws vary, and listeners should rely on guidance from their companies and counsel as appropriate. Music: "Piece of Future" by Keyframe_Audio. Pixabay. Pixabay License. Font: Metropolis by Chris Simpson. SIL OFL 1.1. Icons: FontAwesome (SIL OFL 1.1) and Noun Project (royalty-free licenses purchased via subscription). Sound Effects: Pixabay (Pixabay License) and Freesound.org (CC0).

What?!? He did what?!? To who? What?!? Donnie blew Bubba? I did not think that was a thing I would ever see flood the internet for at least a weekend so far. Damn! Donnie! What happened? Is this why he was trying to hide the files? Damn!!!!!! Not that there is anything wrong with it. I am perfectly fine with a president doing whatever he wants with his mouth in his free time. I honestly would respect him more if it was true, but still, damn!!! This is history right here, this is gonna be remembered. Damn.

In Episode 274 of the Pool Nation Podcast, Edgar and Zac kick off a new business series by tackling the topic most pool pros feel every day but rarely talk about openly: pricing—and how to build real profit into every single service you offer. Fresh off the Pool Nation Conference, the guys recap the buzz around the $10,000 Pool Pro Challenge, shout out this year's Pool Guy/Girl of the Year and Rookie of the Year winners, and then jump straight into the financial reality of 2025: Equipment prices up 7–9% Chemical costs climbing Insurance and utilities spiking Labor and drive time more expensive than ever Edgar and Zac break down why most pool pros fall behind financially, why so many avoid raising prices until it's almost too late, and how chasing revenue (more pools, more work) instead of margin (profit per pool) keeps you stuck in the grind. Then they dive into the foundation of your financial health: knowing your true cost-per-pool. They walk through: What really belongs in your cost-per-pool Why your “$20 cost” is probably actually $60+ How drive time, callbacks, office labor, and insurance destroy profit when you ignore them The danger of relying only on apps for chemical costs without looking at what actually leaves your bank account This is Part 1 of a multi-episode series on Pricing Power: Building Profit Into Every Service. By the end of this episode, you'll see why you need to know your numbers. In the next episodes, they'll show you how to calculate your cost-per-pool in five minutes, build in margin, raise prices confidently, and keep more of your customers. If you've ever looked at your account balance and thought, “Why am I working seven days a week and still feel broke?” …this episode is for you. ⏱️ Episode Chapters / Timestamps [00:00:00] Intro – Pool Nation Podcast opening & show welcome [00:01:00] Edgar sets the stage – Today's topic: pricing & building profit into every service [00:02:00] Zac on “slow season” that isn't really slow – using this time to dig into the back end of the business [00:03:00] Post-conference recap – Pool Nation Conference, Awards, $10K Pool Pro Challenge & winners [00:06:00] The reality of 2025 – builders slowing, costs rising everywhere, and what that means for service companies [00:07:00] Equipment price increases – Pentair, Hayward, Jandy and what those jumps mean for your margins [00:09:00] Everything is up – chemicals, supplies, test kits, office supplies, utilities, and why it all creeps up unnoticed [00:11:00] The “loss leader” trap – why weekly maintenance should NOT just be a way to get repairs [00:12:00] Treating each vertical as a micro-business – service, filters, startups, repairs all need to be profitable [00:14:00] Why most pool pros fall behind financially – running on revenue instead of margin [00:16:00] The “busy but broke” problem – working 7 days a week and still not seeing the profit [00:18:00] The power of knowing your numbers – the “aha” moment when techs finally see their true cost [00:19:00] Why pros avoid raising prices – fear of confrontation, customer pushback, and delaying until it's too late [00:21:00] Reality check – your costs don't wait just because you're uncomfortable raising rates [00:23:00] Confidence through clarity – how cost-per-pool gives you certainty in your pricing decisions [00:27:00] What is cost-per-pool really? – total cost vs gross profit and why both matter [00:31:00] Breaking down cost-per-pool – chemicals, labor, payroll tax, workers comp, admin labor, gas & more [00:34:00] Drive time & hidden minutes – the silent profit killer nobody tracks [00:37:00] Vehicle wear and tear – tires, oil changes, brakes and why they belong in your cost [00:38:00] Insurance creep – auto, GL, workers comp and why they keep climbing [00:40:00] Replacing equipment & office gear – computers, printers and where that money really comes from [00:42:00] Scenario math – why your “$30 stop” might only be making you $5–$6 [00:45:00] Hidden leaks – algae treatments, extra time on site, “little favors” and non-billable work [00:48:00] Growth reality – what you can do as a one-poler that breaks you once you have a team [00:51:00] The four phases of business – why what worked at 40 pools won't work at 200 [00:55:00] App data vs real-world costs – what your app tracks (and what it completely misses) [00:59:00] Edgar's warning – don't get lost in 300 individual pools, start with total cost-per-pool [01:01:00] What's coming in Part 2 – 5-Minute Cost Calculator, margins, price increases & customer retention [01:02:00] Final thoughts – foundational principle: financial wellbeing of pool pros & “know your numbers”

Andy Baskin and Jeff Phelps take a look at the circumstances that Shedeur Sanders were in yesterday, and think that he did the best he could with the circumstances.

Il mercato immobiliare nel 2026 è in bilico. Per vendita e acquisto scrivimi qui

Il quadro di riferimento settimanale a cura del Team Advisory di Ersel per la settimana del 17 novembre 2025. I principali temi:la settimana nervosa sui mercati azionari;la situazione geopolitica globale;la pubblicazione del reporting di Nvidia; i digital asset;le materie prime e i mercati emergenti in ascesa;i tassi e i possibili tagli.Ascolta l'episodio e scopri le implicazioni per portafogli e strategie.l presente podcast è destinato esclusivamente a scopi informativi/ di marketing non sostituendosi al prospetto informativo o ad altri documenti legali di prodotti finanziari ivi eventualmente richiamati. Nel caso, si prega di consultare il prospetto dell'OICVM/documento informativo e il documento contenente le informazioni chiave per gli investitori (KID) prima di prendere una decisione finale di investimento che può essere effettuata solo previa valutazione dell'adeguatezza del servizio o dello strumento finanziario rispetto al profilo individuato con il questionario MiFID. Solo la versione più recente del prospetto, dei regolamenti, del Documento chiave per gli investitori, delle relazioni annuali e semestrali del fondo può essere utilizzata come base per decisioni di investimento. Il presente podcast non costituisce né un'offerta né una sollecitazione all'acquisto, alla sottoscrizione o alla vendita di prodotti o strumenti finanziari o una sollecitazione all'effettuazione di investimenti. Ersel ha verificato con la massima attenzione tutte le informazioni rappresentate nel presente podcast e compiuto sforzi per garantire che il contenuto di questo podcast sia basato su informazioni e dati ottenuti da fonti affidabili, ma non garantisce della loro esattezza e completezza non assumendosi alcuna responsabilità. Ersel non si assume alcuna responsabilità circa le informazioni, le proiezioni o le opinioni contenute nel presente podcast e non risponde dell'uso che terzi potrebbero fare di tali informazioni, né di eventuali perdite o danni che possano verificarsi in seguito a tale uso. Il presente podcast può fare riferimento alla performance passata degli investimenti: i rendimenti passati non sono indicativi di quelli attuali o futuri. Le indicazioni e i dati relativi agli strumenti finanziari, forniti dalla Società, non costituiscono necessariamente un indicatore delle future prospettive dell'investimento o disinvestimento. È vietata la riproduzione e/o la distribuzione del presente podcast, non espressamente autorizzata.

Depopulation Intel Notes: New World Order (COVID- Psychological/Biological Warfare Scenario) Per John's Hopkins SPARS 2025-2028SPARS is a fictional coronavirus outbreak scenario published by the Johns Hopkins Center for Health Security (2017) that imagines a novel respiratory coronavirus emerging in 2025 and spreading worldwide over 2025–2028. The scenario focuses less on virology and more on the communication and medical countermeasure (MCM) dilemmas that arise while an existing drug is repurposed for treatment and a novel vaccine is developed, tested, authorized, produced, and distributed amid public mistrust, social fragmentation, and active misinformation. The exercise is explicitly intended to probe risk-communication challenges around MCMs. Mysteriously, all herein that was declared to be fiction became non-fictional 3 years following with emergence of COVID-19(SARS COV 2).To support the [Show] and its [Research] with Donations, please send all funds and gifts to :$aigner2019 (cashapp) or https://www.paypal.me/Aigner2019 or Zelle (1-617-821-3168). Shalom Aleikhem!

After a fairly successful scenario 01, the guys run into the first major rockblock in their campaign... scenariro... 02... how... embarrassingWe recap what happened in our second attempt at scenario 02, we talk a little about the arrival of the merc packs and also discuss selfishness in order to achieve something.. like a battlegoal..Find us on: IG - https://www.instagram.com/am_dirt/YouTube - https://www.youtube.com/@amdirtOr contact us directly at: contact@rollingterribly.com** Please note our episodes may contain spoilers for all games in the Haven series but we will try to keep them to a minimum **

Brownies have peaked (9:15 to skip). Carl's fans contain multitudes and being a crawl guide is my passion. We're starting The Tainted Cup by Robert Jackson Bennett next week! Special thanks to VOLO for the intro and outro music.

MeidasTouch host Ben Meiselas reports on Donald Trump going silent on Thursday after the latest bombshell email release threatens his future in ways not seen before. Stopbox: Get firearm security redesigned and save 15% OFF @StopBoxUSA with code TRUTH at https://stopboxusa.com/TRUTH! #stopboxpod Visit https://meidasplus.com for more! Remember to subscribe to ALL the MeidasTouch Network Podcasts: MeidasTouch: https://www.meidastouch.com/tag/meidastouch-podcast Legal AF: https://www.meidastouch.com/tag/legal-af MissTrial: https://meidasnews.com/tag/miss-trial The PoliticsGirl Podcast: https://www.meidastouch.com/tag/the-politicsgirl-podcast The Influence Continuum: https://www.meidastouch.com/tag/the-influence-continuum-with-dr-steven-hassan Mea Culpa with Michael Cohen: https://www.meidastouch.com/tag/mea-culpa-with-michael-cohen The Weekend Show: https://www.meidastouch.com/tag/the-weekend-show Burn the Boats: https://www.meidastouch.com/tag/burn-the-boats Majority 54: https://www.meidastouch.com/tag/majority-54 Political Beatdown: https://www.meidastouch.com/tag/political-beatdown On Democracy with FP Wellman: https://www.meidastouch.com/tag/on-democracy-with-fpwellman Uncovered: https://www.meidastouch.com/tag/maga-uncovered Coalition of the Sane: https://meidasnews.com/tag/coalition-of-the-sane Learn more about your ad choices. Visit megaphone.fm/adchoices

Brad Sweet, Kyle Larson, and their High Limit sprint car series releases more franchise information, payouts, and what the path and payouts would be for teams looking to get a franchise in the future. These numbers will certainly make a lot of sprint car teams ponder their futures. We'll dive in today, share the details, talk the Jason Meyers franchise sale, and more.

Is AI out to get us? What can we do to keep ourselves safe in an increasingly digital world?In this episode of Connect, we are joined by Mark Lynd, globally recognized cybersecurity leader, cloud strategist, and acclaimed author. Together, we explore how to stay safe in the face of ever-growing threats. We'll learn about best practices, the risks of getting too confident, and tips to become more cyber-aware.Plus, we'll hear about Mark's inspiration as an author and what goes into writing his books, from Giving your Teen the Cyber Skills to Succeed to his latest novel, Cyber War: One Scenario, in which a fictionalized cyber war feels far too real. Join us as we discuss how AI continues to revolutionize cybersecurity and incident response, how businesses – and individuals – can stay safe, and of course what the future looks like. For more information about Axis Communications, visit us at www.axis.com Follow us on social media at Axis Communications - Home | Facebook Axis Communications: My Company | LinkedIn Axis North America (@Axis_NA) / TwitterAxis Communications USA - YouTube

Hour 3 - It's this chicken-and-the-egg type of scenario full 2819 Tue, 11 Nov 2025 19:58:07 +0000 N9Zgqi9ZUw8QBz8LPv27PjLnILKB40po nfl,kansas city chiefs,society & culture Cody & Gold nfl,kansas city chiefs,society & culture Hour 3 - It's this chicken-and-the-egg type of scenario Hosts Cody Tapp & Alex Gold team up for 610 Sports Radio's newest mid-day show "Cody & Gold."  Two born & raised Kansas Citians, Cody & Gold have been through all the highs and lows as a KC sports fan and they know the passion Kansas City has for their sports teams."Cody & Gold" will be a show focused on smart, sports conversation with the best voices from KC and around the country. It will also feature our listeners with your calls, texts & tweets as we want you to be a part of the show, not just a listener.  Cody & Gold, weekdays 10a-2p on 610 Sports Radio.  2024 © 2021 Audacy, Inc. Society & Culture False https://player.amperwavepodcasting.co

Sam is a huge Bears fan. He sets up his brand new smoker in the backyard and put a perfectly seasoned pork shoulder on to cook all day -- just in time for the Sunday Night Bears v. Packers game.  The smoker was near the side of the house, but not directly next to it. After 8 hours, the shoulder was tender and ready to eat… but the insured's siding had melted. Sam seeks coverage for the replacement of the melted siding (and for the pork shoulder he dropped when he saw the damage).   Notable Timestamps [ 00:23 ] - Sonia sets out a tragic game day scenario. [ 01:16 ] - Fire is often defined by courts using dictionary definitions, such as Merriam-Webster's: "the phenomenon of combustion manifested in light and heat". [ 04:38 ] - Scorching analysis suggests black marks may indicate oxidation and a glow (which could be fire damage), while brown marks often indicate high heat damage only. [ 06:58 ] - For insurance purposes, losses must be fortuitous; Sam was trying to smoke meat, not melt the siding, so the damage was fortuitous from his perspective. [ 08:37 ] - Most states rely on "proximate cause", i.e. the dominant or efficient cause that initiates the events, when analyzing causation for claims. [ 09:23 ] - Friendly fire is contained in its usual place (like a stove), while hostile fire is unexpected or uncontrolled and not in its intended location. However, this analysis is not typically used by modern courts. [ 11:43 ] - Sonia provides a recap of the points above. Your PLRB Resources The Future of Insurance Podcast - https://future-of-insurance.com/podcast/ Coverage Question: Smoker Melts Nearby Siding - https://www.plrb.org/documents/named-peril-coverage-smoker-melts-nearby-siding-pcq-2025-02-24-slc-a/ Coverage Question: Christmas Lights Scorched Couch: Is Couch Covered? - https://www.plrb.org/documents/fire-peril-scorched-couch/ Employees of member companies also have access to a searchable legal database, hundreds of hours of video trainings, building code materials, weather data, and even the ability to have your coverage questions answered by our team of attorneys (https://www.plrb.org/ask-plrb/) at no additional charge to you or your company. Subscribe to this Podcast Your Podcast App - Please subscribe and rate us on your favorite podcast app YouTube - Please like and subscribe at @plrb LinkedIN - Please follow at "Property and Liability Resource Bureau" Send us your Scenario! Please reach out to us at 630-509-8704 with your scenario! This could be your "adjuster story" sharing a situation from your claims experience, or a burning question you would like the team to answer. In any case, please omit any personal information as we will anonymize your story before we share. Just reach out to scenario@plrb.org.  Legal Information The views and opinions expressed in this resource are those of the individual speaker and not necessarily those of the Property & Liability Resource Bureau (PLRB), its membership, or any organization with which the presenter is employed or affiliated. The information, ideas, and opinions are presented as information only and not as legal advice or offers of representation. Individual policy language and state laws vary, and listeners should rely on guidance from their companies and counsel as appropriate. Music: "Piece of Future" by Keyframe_Audio. Pixabay. Pixabay License. Font: Metropolis by Chris Simpson. SIL OFL 1.1. Icons: FontAwesome (SIL OFL 1.1) and Noun Project (royalty-free licenses purchased via subscription). Sound Effects: Pixabay (Pixabay License) and Freesound.org (CC0).

Steiny & Guru debate how bad the 49ers need Brock Purdy back and if Mac Jones could potentially become the starter for the rest of the season.

In this episode, Kaila and Kyle give their strong and uninhibited opinions on some more spicy work-related AITA Redditor submissions. From refusing to cover for colleagues to reporting them to HR, this episode brings the drama.  00:00 Intro 02:23 Scenario #1 - The Credit Thief 09:35 Scenario # 2 - The Scrooge Boss 17:02 Scenario #3 - The Shady Firm 21:54 Scenario #4 - The Office Narc This episode was sponsored by Superhuman.  You can check out Superhuman today at superhuman.com/podcast.  Want to get all of Kaila & Kyle's career resources? Subscribe to Per My Last Email: https://www.permylastemailshow.com/  Watch Per My Last Email on YouTube:   @PerMYLastEmailShow Follow Per My Last Email Instagram: @permylastemailshow TikTok: @permylastemailshow Twitter: @permylast_email Have a question for us? Send us an email or voice note to permylastemail@morningbrew.com Learn more about your ad choices. Visit megaphone.fm/adchoices Each week on Per My Last Email, Morning Brew's resident career experts Kaila and Kyle – whose careers have collectively spanned the corporate, government, nonprofit and startup sectors – debate the trickiest challenges in work life, and share tactics on how to overcome them. Share the show with a friend, and leave us a review on your favorite podcast app! Learn more about your ad choices. Visit megaphone.fm/adchoices

Big K Hour 3: Best case Scenario for Shutdown, SNAP and More full 1111 Mon, 10 Nov 2025 14:24:57 +0000 r5xGs6ojUSqIM0H0WVRsEtC6vgxP0BMQ news,a-newscasts,top picks The Big K Morning Show news,a-newscasts,top picks Big K Hour 3: Best case Scenario for Shutdown, SNAP and More The Big K Morning Show 2024 © 2021 Audacy, Inc. News News News News news News News News News News False https://player.amperwavepodcasti

In this episode the crew review the six new scenarios, discuss their experience playing them, and talk about how they factor into VETO decision making. 

We start off the Gloomhaven 2e season with Scenario 01 as our party of Tinkerer, Mindthief and Silent Knife attempt to fail the very first scenario, hear our recap and thoughts right here on the pod.We welcome back our amDirt diaries, and discuss various things from our first experience in the latest installment of everyones favourite game. the amDirt discord link valid for 7 days: https://discord.gg/xjhYSP7GFind us on: IG - https://www.instagram.com/am_dirt/YouTube - https://www.youtube.com/@amdirtOr contact us directly at: contact@rollingterribly.com** Please note our episodes may contain spoilers for all games in the Haven series but we will try to keep them to a minimum **

Lionel Messi and Inter Miami are facing elimination in the first round of the MLS Cup Playoffs once again, setting up a dramatic and decisive home match that will not feature one of the team's biggest stars. Co-hosts Franco Panizo and Alonso Contreras preview Inter Miami's do-or-die Game 3 vs. Nashville SC, analyze what has to change from this last weekend's 2-1 loss in Tennessee, debate over Luis Suarez's controversial suspension, and more.

“I’m not sure what to do with my hands” – Luke (11:15 to skip). Dan expects the existential crisis any day now and Luke doesn’t think Donut is all that great. Also the character creation screen is giving the boys a lot of trouble. Special thanks to VOLO for the intro and outro music.The post Carl's Doomsday Scenario: Part One first appeared on Don't call it a book club..

On this week's episode of The Kelly Sheffield Show, Wisconsin head coach Kelly Sheffield breaks down one of the key transition numbers that stood out from the Badgers' match against Nebraska and what it reveals about where the team's play is trending.We also talk about Natalie Wardlow's improving serve, the two upcoming Top 25 opponents on Wisconsin's schedule, and a potential scenario the coaching staff could look at when or if Charlie Fuerbringer returns from her injury.

This week on the Squiggly Careers podcast, Sarah and Helen borrow brilliance from Vanessa Urch Druskat's research on team emotional intelligence, first featured in Harvard Business Review.While emotional intelligence is often talked about at an individual level, this episode explores what happens when you apply it to teams — and how emotional awareness can build motivation, trust, and high performance together.Sarah shares how she used AI (Claude) to turn Druskat's research into a practical team emotional intelligence quiz, helping teams assess their habits and find simple ways to improve.Episode 508


Curd Appeal sells the best-looking cheeses on the block, but over the long weekend their refrigerator broke down, and now their limburger isn't the only thing that smells. The owner argues they are covered under the BP 00 03, but the adjuster spots some holes in their argument. The owner hits back with a supplemental endorsement they purchased, hoping to find coverage any way they can.   Notable Timestamps [ 03:00 ] - The five-point process for property coverage analysis includes: covered property, direct physical loss, covered cause of loss, conditions, and additional coverages/extensions. [ 04:37 ] - Mechanical breakdown (like a refrigerator going out) is often an excluded cause of loss in a standard policy. [ 07:18 ] - Supplemental endorsements for food spoilage are designed to work with the base policy and can specify limits and change base policy language. [ 08:59 ] - This food spoilage coverage extension insures against direct physical loss or damage to food stock or food merchandise contained in a refrigeration unit. [ 10:47 ] - The endorsement defines a covered cause of loss to include mechanical breakdown and power outage (change in temperature/humidity). [ 12:31 ] - This food spoilage endorsement often explicitly deletes the mechanical breakdown exclusion from the base policy, but only for that specific coverage extension. [ 13:41 ] - The food spoilage extension may only apply if the loss is not covered by Equipment Breakdown Insurance (an optional policy coverage). [ 14:10 ] - The optional Equipment Breakdown Protection Coverage in the BP 00 03 policy covers direct loss or damage caused by mechanical breakdown or electrical failure of machinery. [ 15:33 ] - The Equipment Breakdown Protection Coverage might exclude leakage at a valve or seal, which is a distinction that could make the supplemental endorsement the only source of coverage. [ 18:31 ] - Brennan provides a recap of the points above. Your PLRB Resources Property Question of the Week: Food Spoilage under BP and CP Forms – No Off-Premises Power Outage - https://www.plrb.org/documents/food-spoilage-under-bp-and-cp-forms/ Property Question of the Week: Mechanical Breakdown of Freezer: Food Covered? - https://www.plrb.org/documents/mechanical-breakdown-of-freezer-food-covered/ Employees of member companies also have access to a searchable legal database, hundreds of hours of video trainings, building code materials, weather data, and even the ability to have your coverage questions answered by our team of attorneys (https://www.plrb.org/ask-plrb/) at no additional charge to you or your company. Subscribe to this Podcast Your Podcast App - Please subscribe and rate us on your favorite podcast app YouTube - Please like and subscribe at @plrb LinkedIN - Please follow at "Property and Liability Resource Bureau" Send us your Scenario! Please reach out to us at 630-509-8704 with your scenario! This could be your "adjuster story" sharing a situation from your claims experience, or a burning question you would like the team to answer. In any case, please omit any personal information as we will anonymize your story before we share. Just reach out to scenario@plrb.org.  Legal Information The views and opinions expressed in this resource are those of the individual speaker and not necessarily those of the Property & Liability Resource Bureau (PLRB), its membership, or any organization with which the presenter is employed or affiliated. The information, ideas, and opinions are presented as information only and not as legal advice or offers of representation. Individual policy language and state laws vary, and listeners should rely on guidance from their companies and counsel as appropriate. Music: "Piece of Future" by Keyframe_Audio. Pixabay. Pixabay License. Font: Metropolis by Chris Simpson. SIL OFL 1.1. Icons: FontAwesome (SIL OFL 1.1) and Noun Project (royalty-free licenses purchased via subscription). Sound Effects: Pixabay (Pixabay License) and Freesound.org (CC0).

Jason and Sterling react to the Jets trading cornerback Sauce Gardner to the Colts for two first round picks. They discuss why the Chiefs should consider trading McDuffie if that compensation package is available. See omnystudio.com/listener for privacy information.

Once again, everyone is looking for a reason other than the cold hard truth. Social Security operates like a ponzi-scheme. Ponzi-schemes fall apart when withdrawals exceed collections. Since 2021, the payouts have exceeded collections. The worker-retiree ratio has fallen from 5:1 in the 1960 to 2.8:1 today, and is expected to be 2.3:1 in 2033. Life expectancy has increased, as well as the payouts per retiree.    The SS trust fund will be depleted by 2033. At that point with no changes in law, only 77% of benefits will be paid out, decreasing to 69% over time. This means to keep this terrible program running and paying out 100% of benefits, things will have to change. Either higher taxes, higher retirement age, or a new $500 billion in borrowing every year, and increasing every year.    Ideas like cutting out rich people or increasing the maximum threshold buy the program another 5-10 years.    We will not come to a sensible solution on SS until voters accept that the money you paid in is gone, but not because the Trust Fund was "raided;" and the shortfall is not because millions of illegals are collecting your social security.  

Wedbush's Dan Ives returns to The Watch List and reiterates that the A.I. trade will continue a bullish run for the foreseeable future. He points to Alphabet's (GOOGL) earnings as a sign that the A.I. buildout shows no signs of slowing. Dan believes the company will eventually partner with Apple (AAPL) to deliver a "one-two punch" for A.I. development. He adds that "there's no better company" developing emerging tech than Palantir (PLTR) even as valuations continue to swell. As for the global A.I. trade, he sees Nvidia (NVDA) continuing leadership helped by an eventual trade framework between the U.S. and China.======== Schwab Network ========Empowering every investor and trader, every market day. Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/ About Schwab Network - https://schwabnetwork.com/about

In today's powerful new episode of Independent Americans with your host Paul Rieckhoff (@PaulRieckhoff) , featuring the return of Lt Colonel Alex Vindman—a national security expert, Ukraine insider, and unwavering patriot. This timely interview dives deep into America's fractured politics, threats from abroad, and the vital ways community and vigilance can help repair our union. With fresh perspective on Trump's foreign policy, the military shutdown crisis, and the war in Ukraine, this is your essential listen for staying informed and inspired. Listen now and share to help vigilant Americans everywhere unite. Because every episode of Independent Americans with Paul Rieckhoff breaks down the most important news stories--and offers light to contrast the heat of other politics and news shows. Its independent content for independent Americans. In these trying times especially, Independent Americans is your trusted place for independent news, politics, inspiration and hope. The podcast that helps you stay ahead of the curve--and stay vigilant. -Previous appearance: Episode 265 - Feb. 1, 2024 -WATCH video of this episode. -Learn more about Independent Veterans of America and all of the IVA candidates.  -Join the movement. Hook into our exclusive Patreon community of Independent Americans. Get extra content, connect with guests, meet other Independent Americans, attend events, get merch discounts, and support this show that speaks truth to power.  -Check the hashtag #LookForTheHelpers. And share yours.  -Find us on social media or www.IndependentAmericans.us. And get cool IA and Righteous hats, t-shirts and other merch.  -Check out other Righteous podcasts like The Firefighters Podcast with Rob Serra, Uncle Montel - The OG of Weed and B Dorm.  Independent Americans is powered by veteran-owned and led Righteous Media. Ways to listen: Spotify: https://open.spotify.com/show/0F1lzdRbTB0XYen8kyEqXe Apple Podcasts: https://podcasts.apple.com/us/podcast/independent-americans-with-paul-rieckhoff/id1457899667 Amazon Podcasts: https://music.amazon.com/podcasts/49a684c3-68e1-4a85-8d93-d95027a8ec64/independent-americans-with-paul-rieckhoff Ways to watch: YouTube: https://www.youtube.com/@independentamericans Instagram: https://www.instagram.com/IndependentAmericansUS/ Social channels: X/Twitter: https://x.com/indy_americans BlueSky: https://bsky.app/profile/indyamericans.bsky.social Facebook: https://www.facebook.com/IndependentAmericansUS/ Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of Money & Meaning, Jeff Bernier connects 17th-century philosophy with modern financial planning. Using Blaise Pascal's wager as a framework, Jeff examines how retirement planning isn't about certainty—but resilience. He discusses scenario analysis, the role of Plan B, and why the best financial plans aren't fixed, but adaptable. This episode is a timely reminder that thoughtful preparation—not prediction—brings peace of mind in uncertain times.    Topics covered:  Applying Pascal's Wager to financial planning The role of low-probability, high-impact risks in retirement planning Emphasizing resilience over prediction Scenario analysis and its purpose in building flexible plans The importance of maintaining a Plan B Avoiding the mistake of confusing spreadsheets with reality Why assumptions in planning must remain dynamic The value of humility in planning for an unknowable future Embracing flexibility in lifestyle, spending, and investments “Strong opinions loosely held” as a financial philosophy Confidence through preparation rather than prediction   Useful Links:    Jeff Bernier on LinkedIn: https://www.linkedin.com/posts/jeffberniercfp_the-money-and-meaning-show-activity-7202103509700227072-h0Qn/  TandemGrowth Financial Advisors: https://www.tandemgrowth.com/ 

The crew break down the No Limit vs. Cash Money Verzuz event with a round‑by‑round scorecard, hot takes, and standout moments — from Snoop's knockout cameo to Mia X, missing features, and the family unity that swung the night. Featuring guests Bubb McFly and Matt Whitener of The Scenario, personal concert memories, and cultural context, the episode mixes nostalgia with analysis to explain why No Limit came out on top and what the showdown means for Southern hip‑hop. Join the I Only Listen to 90s Music Facebook Group http://bit.ly/3k0UEDe        Follow I Only Listen to 90s Music on IG https://bit.ly/3sbCphv       Follow SOLC Network online Instagram: https://bit.ly/39VL542                          Twitter: https://bit.ly/39aL395                          Facebook: https://bit.ly/3sQn7je                To Listen to the podcast Podbean https://bit.ly/3t7SDJH                      YouTube http://bit.ly/3ouZqJU                      Spotify http://spoti.fi/3pwZZnJ                     Apple http://apple.co/39rwjD1  IHeartRadio http://ihr.fm/2L0A2y

Just when you think you can see the finish line, your team blows a tire. Welcome to November everyone, where seasons turn upside down in an instant. Mitch and Trey discuss the weekend slate that includes Cincinnati at Utah after dark, USC's trip to Nebraska, Sooners against the Vols, and an ACC chaos scenario!Play $5 and get $100 instantly (limited time only!) in fantasy bonus funds when you use code THREETECHPOD with our presenting sponsor, Underdog Fantasy! ⁠⁠⁠⁠⁠⁠⁠⁠https://underdogfantasy.com/⁠⁠⁠⁠⁠⁠⁠⁠Join the Jimmy's and Joe's for CFB content for all 136 teams!FOLLOW: @ThreeTechPod on Instagram and Twitter!HOMEFIELD DISCOUNT: THREETECHPOD for 15% off!Join our Substack: https://threetechpod.substack.com/

We go through and give you each of our College Football Playoff predictions heading into Week 10. - - - Today's Sponsor: Raycon - Get 20% off Everyday Earbuds Classic at https://buyraycon.com/booster BAERSkin Tactical Supply Co. - Get a BÆRSkin now - while it's 60% off. Text CRAIN to 36912 - - - Privacy Policy: https://www.dailywire.com/privacy Learn more about your ad choices. Visit megaphone.fm/adchoices

"Simply the Vest" is a dry cleaning service with a basement full of supplies, tools, clothing, and… water. After a heavy rain, the owners discovered that their sump pump had failed, causing water to back up into the basement, resulting in damage to their property. Under their BP 00 03 form, coverage for this cause is firmly excluded. However, they paid for a supplemental endorsement with some interesting technicalities… Notable Timestamps [ 02:43 ] - When assessing coverage, always start with the underlying policy form before reviewing any endorsements, ensuring clarity on the initial coverage. [ 05:32 ] - Supplemental coverages given to an insured typically identify specific needs that they have in the transaction and provide clear limits for each supplemental coverage provided. [ 08:11 ] - Endorsements can provide additional coverage for water-related claims like backup and overflow or mold, which are generally types of losses that would otherwise be excluded. [ 11:18 ] - Determining coverage requires looking at the exact policy language, fitting it to the specific scenario, and matching facts to the policy language. [ 13:45 ] - Sump pump issues often involve power outages (necessitating battery backup) or mechanical breakdown, but each claim has to be assessed based on its individual merits. [ 15:23 ] - An endorsement providing additional water backup coverage may also modify or replace the existing water damage exclusion found in the underlying BP policy. [ 17:49 ] - If a loss isn't excluded under the underlying policy, the supplemental coverage-- which could be subject to a lower limit-- would not be needed. [ 16:18 ] - Brennan provides a brief conclusion. Your PLRB Resources Coverage Question: Sump Pump vs. Septic Pump - https://www.plrb.org/documents/sump-pump-vs-septic-pump-pcq-2024-09-24-dwf-b Property Question of the Week: Sewer Backup Coverage vs. Flood Exclusion - https://www.plrb.org/documents/sewer-backup-coverage-vs-flood-exclusion/ Employees of member companies also have access to a searchable legal database, hundreds of hours of video trainings, building code materials, weather data, and even the ability to have your coverage questions answered by our team of attorneys (https://www.plrb.org/ask-plrb/) at no additional charge to you or your company. Subscribe to this Podcast Your Podcast App - Please subscribe and rate us on your favorite podcast app YouTube - Please like and subscribe at @plrb LinkedIN - Please follow at "Property and Liability Resource Bureau" Send us your Scenario! Please reach out to us at 630-509-8704 with your scenario! This could be your "adjuster story" sharing a situation from your claims experience, or a burning question you would like the team to answer. In any case, please omit any personal information as we will anonymize your story before we share. Just reach out to scenario@plrb.org. Legal Information The views and opinions expressed in this resource are those of the individual speaker and not necessarily those of the Property & Liability Resource Bureau (PLRB), its membership, or any organization with which the presenter is employed or affiliated. The information, ideas, and opinions are presented as information only and not as legal advice or offers of representation. Individual policy language and state laws vary, and listeners should rely on guidance from their companies and counsel as appropriate. Music: "Piece of Future" by Keyframe_Audio. Pixabay. Pixabay License. Font: Metropolis by Chris Simpson. SIL OFL 1.1. Icons: FontAwesome (SIL OFL 1.1) and Noun Project (royalty-free licenses purchased via subscription). Sound Effects: Pixabay (Pixabay License) and Freesound.org (CC0).

It's the question I've been getting a lot of lately, which is like a general question, which is what's the best way to do social media ads? The answer is, it depends. However, there is a Holy Trinity to shoot for, and if you can pull this off, and I...

Combat-proven hosts Rick Hogg (War HOGG Tactical) and Mark Kelley (Kelley Defense) sit down with Mike Pennington, founder of Storm Dog Tactical, to unpack real-world K9 integration: selection and imprinting, handler–dog communication, scenario design that transfers to the street, and post-event debriefs that actually improve outcomes. We hit tracking, building searches, vehicle work, and the gear that matters (and what doesn't). Whether you're LE, military, or a responsible armed citizen, you'll get practical steps to tighten reps, build trust, and perform under stress. Stay safe. Stay trained. Stay deadly. Episode Notes (skim-friendly) K9 selection, drive, and early imprinting Handler–dog communication & team deconfliction Scenario design: tracking, buildings, vehicles Gear that works vs gear that's noise (leads, harnesses, cams, comms) Debrief methodology and sustaining readiness   0:00 Intro & background : K9 Conference & imprinting : Communication cues under stress : Scenario design that transfers : Gear talk: keep it simple : Debriefs & takeaways   War HOGG Tactical, Kelley Defense, On The Range Podcast, Mike Pennington, Strom Dog Tactical, K9 training, police K9, law enforcement training, military working dog, handler training, tracking, building search, vehicle interdiction, use of force, tactical mindset, performance under stress, leadership, debrief, gear setup, training scenarios, responsible armed citizen, firearms training, combatives, tactical podcast

In this episode we answer emails from Eva, Jess and Mr. Toxic.  We discuss the three levers of safe withdrawal rates applied to a listener's upcoming retirement situation, running test risk parity style portfolios to get some practice like with have done with Bigger Pockets money, and what little we know about HSAs.And THEN we our go through our weekly portfolio reviews of the eight sample portfolios you can find at Portfolios | Risk Parity Radio.Additional Links:Father McKenna Center Donation Page:  Donate - Father McKenna CenterHow To Do An Asset Swap Video from Risk Parity Chronicles:  How to Do an Asset SwapJackie Cummings Koski on Investing with HSAs:  Investing With The Health Savings Account - Define Your Legacy W/ Jackie Cummings KoskiBigger Pockets Money Test Risk Parity Style Portfolio:  We Built a 5% SWR Retirement Portfolio Using Fidelity in 48 Minutes (Golden Ratio Portfolio)Breathless Unedited AI-Bot Summary:Most retirement plans stumble not on math, but on mechanics. We sit down with a listener who's 55, VTI-heavy in a taxable account, and ready to pivot into a modified golden ratio portfolio—then unpack a practical path to move from concentration to resilient diversification without lighting up a massive tax bill. Along the way, we map out the three levers that quietly raise your safe withdrawal rate: portfolio design, baseline expenses, and personal inflation that often runs 1–2% below CPI.We get specific on asset location and reallocation: placing treasuries and managed futures in tax-deferred accounts, using gold and equities where they're most tax-efficient, and gradually trimming VTI by targeting favorable tax lots and capital gains brackets. If you've wondered whether a small cap value tilt can help, we explain how it can reduce volatility and lift a portfolio's historical withdrawal capacity by roughly 0.5–1%—and how to pursue it at a measured pace. We also clear up a common confusion: rebalancing returns you to your target mix; reallocating changes the target itself.Then we turn to HSAs. They're a triple tax-advantaged powerhouse for you, but a poor inheritance vehicle for kids who must recognize the balance as income in a single year. We break down the strategy of saving receipts, the shift at age 65 when non-medical withdrawals are IRA-like, and why timing HSA spending for higher-income retirement years often makes sense. Don't count on a costly end-of-life to “use it up”—many don't have that trajectory. A smarter approach draws down the HSA earlier for qualified costs and Medicare premiums while avoiding a tax bomb for heirs.We wrap with weekly portfolio reviews across classic and levered models and a reminder that simple beats clever: a resilient allocation, tax-savvy placement, and flexible spending can carry you from early retirement through Social Security and beyond. If this helped tighten your plan, follow the show, leave a review, and share it with a friend who's staring down a VTI-heavy portfolio and wondering where to start.Support the show

David Anderson joins to recap the blowout loss to Oregon and preview the critical matchup at Purdue on Saturday. Keys to victory, how RU should game plan and concerns for this matchup and more.#rutgersfootball

Episode Title: Developing Resilience in High-Pressure SituationsSummaryWelcome back to the Muscles & Mindset Podcast with Dr. Ali Novitsky, board-certified obesity medicine physician and expert in stress, strength, and self-regulation.In this episode of the Stress Series, Dr. Novitsky explores how to build true resilience—not in serene environments, but in the moments that truly test us. Whether you're navigating life-or-death emergencies or emotionally charged situations, this conversation reveals how to stay centered and in control, even when your nervous system wants to panic.Using a powerful varicose vein metaphor, she explains how chronic stress is like a “leaky valve”—unless you address the root cause (emotional dysregulation), surface-level fixes like better habits won't stick. The solution? A simple pause.Dr. Novitsky teaches how a 2–3 second pause in the heat of stress can stop the brain's “hijack” and activate the prefrontal cortex—our reasoning center. She breaks down three stress scenarios and guides listeners toward the third, most empowering one: awareness, presence, and intentional breath.Drawing from cognitive behavioral therapy (CBT) and dialectical behavioral therapy (DBT), Dr. Novitsky offers a toolkit for regulating emotions, accessing your “wise brain,” and debriefing after stressful moments to rewire your response. Whether in medicine, sports, family dynamics, or everyday life, this episode shows how resilience can be learned—and why it's the key to long-term transformation.Key Points• Beyond the Spa: Real resilience is built in chaos, not calm.• The Leaky Valve Analogy: Fix emotional dysregulation at the root for lasting stress relief.• Stress Is Automatic: The fight-or-flight response can't be stopped—but it can be reshaped.• The Power of the Pause: A brief, intentional check-in prevents spiraling and restores clarity.• Three Stress Scenarios: 1. Hijacked and unaware. 2. Aware but suppressing. 3. Aware and present—the goal.• Tools from CBT & DBT: Learn to regulate emotions and access clear, productive thinking.• Debrief to Rewire: Reflecting after stress creates new mental pathways for resilience.• Lifelong Practice: Emotional regulation isn't a finish line—it's a daily skill worth mastering.Timestamps• 00:02 – Intro: Managing real-world stress• 02:10 – The “leaky valve” analogy for chronic stress• 04:00 – Understanding the HPA axis and stress physiology• 05:40 – Prefrontal cortex hijacking: why we spiral• 07:10 – The pause as a regulation tool• 09:30 – Scenario breakdown: hijack, suppression, or presence• 11:50 – Staying calm in acute stress (e.g., medical emergencies)• 13:40 – Building confidence by staying grounded• 15:00 – Personal story: trauma and resilience in college athletics• 18:20 – CBT vs. DBT: how emotions shape thoughts• 21:40 – Tools for distress tolerance and “wise mind”• 24:40 – Personal debriefs: your secret weapon for growth• 27:40 – Real-life triggers and emotional awareness• 30:10 – Transform 10: a year-long stress mastery programFollow Dr. Ali Novitsky on TikTok | Facebook | Instagram | YouTubeSubscribe to the Muscles and Mindset Podcast on Spotify | Apple PodcastsWork with Dr. Ali

Bobby answers the question from a listener on his plan on what to do with the show when his wife goes into labor since his plan is to never miss a show. Amy shared a weird scenario she found herself in at dinner after asking a couple about the pasta they were having. A very 'Amy' situation. Lunchbox is heading out tomorrow to California to see if he can finally live out his dream of making it on a game show. He talks about what type of player he is going to be on the Price Is Right. what he thinks his chances are of getting on and why he is having nightmares about being on the show. In the Bobby Feud, can you name the Top 10 pop culture costumes for 2025?See omnystudio.com/listener for privacy information.

Host Ed Crooks talks to Jason Liu, Chief Executive of Wood Mackenzie and co-author (with Chief Analyst Simon Flowers) of a new book, Connected, about the fast-changing world of energy. They are also joined by Sunaina Ocalan, formerly Senior Director for Corporate Strategy & Climate at the oil and gas company Hess, now Senior Analyst and Co-Head for Americas Energy & Transition at Bernstein Research. Together, they explore how energy leaders can plan, invest and operate operate in a world where different sectors, technologies and geographies are interconnected in more powerful and complex ways than ever before.They talk about the language of “the energy transition”, and whether it can lead to misconceptions. Global demand for hydrocarbons is still growing, and they will continue to play a critical role in our energy system for decades to come, even as new supply from renewables and other low-carbon sources surges higher. A wider appreciation of that reality is driving a shift from siloed thinking about individual sectors to integrated solutions. For example, companies are increasingly looking at pairing solar and storage with gas generation to meet demand from data centers for reliable low-carbon power.Sunaina takes us inside the the thinking of energy leaders as they assess strategies and investment decisions. She sets out a practical approach to scenario analysis, with “exit ramps” so companies can pivot as facts change. The aim isn't to predict one future, but to be ready for a range of possible outcomes. That means balancing the advantages and disadvantages of a wide range of technologies, and taking a strategic view through short-term fluctuations as far as possible. Effective decision-making is impossible without reliable data. Jason warns about three traps: using too little real data, leaning on synthetic/modelled data without ground truth, and poor integration across different sectors. Data collection technology is advancing rapidly, and with sensors, satellites and market intelligence, decision-makers can increasingly see what's really happening with precision and granular detail, often in real time.Then there's AI. Like other industries, the world of energy is being transformed by the tools that have become available over the past few years. Scenario runs have been cut from months to minutes, with hundreds of models combined to give a comprehensive coherent picture. AI tools can even assess the best models to use on particular data sets: a capability Jason calls hyper-modelling. And still there is a vital role for human intelligence and judgement, to find and interpret the information that the AI tools miss. The challenges in the energy sector today are vast. It is a cliche to say that uncertainty is higher than ever, but today it genuinely seems true. The pace of innovation in AI is changing the world in ways that have never been seen before. But the opportunity is vast, too. The energy industry will need $75 trillion or more in investment over the next 25 years, to meet ever-growing demand while reducing the impact on the environment. The businesses that succeed in making the most of this opportunity will be the ones that get three things right: the right data, the right AI capabilities, and the right people, all brought together to deliver actionable insights. Download the book (free): Connected: Bringing predictability to the increasingly uncertain world of energy.Let us know what you think. We're on X, at @theenergygang and Bluesky, at ‪@theenergygang.bsky.social. Make sure you're following the show so you don't miss an episode.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.