Podcasts about state farm

The days of automatically upgrading your phone or computer every time it slows down are officially over. Clark breaks down why inflation and rising component costs mean tech prices are going "up, up, and away." Tech giants like Apple are raising device prices to protect their profit margins. While Clark has advised against sinking money into old electronics, the math has changed. Clark shares his rule of thumb for deciding when to repair versus replace, why TVs remain the one truly disposable tech item, and how to avoid the "free phone trap" being pushed by the big three wireless carriers. Also, Clark dives into the massive shakeup happening in the insurance industry. State Farm is facing major backlash from its own agents after dropping a hammer on their compensation models—a desperate move to compete in a market where they are losing ground. Hear which company has taken the lead by embracing a hybrid model, and what to expect buying online vs. with an agent.Plus, Christa shares your #AskClark questions and Clark gives his take. All this and more on the July 22, 2026, episode of The Clark Howard Show. Submit your questions: Ask Clark. Electronics: Repair Or Replace?: Segment 1 Ask Clark: Segment 2 Buying Insurance: Segment 3 Ask Clark: Segment 4 Mentioned on the show: The ‘right to repair' movement has a point, but consumers should read the warranty fine print first — The Conversation Why You Should Avoid These Free Offers From Verizon, AT&T and T-Mobile 5 Vacation Scams To Avoid This Travel Season - Clark Howard How to Shop for Lower Car Insurance - Clark Howard Best and Worst Homeowners Insurance Companies - Clark Howard Homeowners Insurance Archives - Clark Howard  State Farm's AI Plan for Sales Agents Sparks Uproar. ‘A Real Slap in the Face.' Is Accident Forgiveness Worth It? - Clark Howard  Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices. Visit megaphone.fm/adchoices

This past year Progressive usurped State Farm as the nation's biggest personal auto insurer, losing a throne State Farm had held since World War II. The shift sparked a dramatic overhaul at the company, including new agent contracts, sweeping benefit cuts and a big push into AI. WSJ's Jean Eaglesham reports on the fallout. Jessica Mendoza hosts. Further Listening: - Insuring a Home in California Is Getting Harder - Is Florida Just for Rich People Now? Sign up for WSJ's free What's News newsletter. Learn more about your ad choices. Visit megaphone.fm/adchoices

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Senior Associate Editor Renee Kiriluk-Hill breaks down the latest Best's Rankings of the nation's largest mutual property/casualty and life/health insurers, highlighting State Farm's commanding lead in P/C, New York Life's continued dominance in L/H, and notable shifts among the top writers.

Karl-Anthony Towns has spent his life chasing championships, but his greatest lessons came far from the basketball court. In this heartfelt conversation with Jay Shetty, he reflects on grief, faith, family, and the moments that shaped the man behind the jersey. From honoring his late mother's legacy to embracing God's timing, discovering purpose beyond success, and building a love rooted in friendship, this episode is a moving reminder that who you become matters far more than what you achieve. Sometimes the greatest victories aren't the ones the world celebrates, they're the quiet moments when you choose to keep moving forward with hope. With Love and Gratitude, Jay Shetty A State Farm agent can help you choose the coverage you need. Like a good neighbor, State Farm is there. Visit: https://www.statefarm.com/  On Purpose is now Netflix and Spotify exclusive  http://www.netflix.com/onpurposewithjayshetty  https://open.spotify.com/show/5EqqB52m2bsr4k1Ii7sStc?si=33f7898fb334437c  JAY'S DAILY WISDOM DELIVERED STRAIGHT TO YOUR INBOX Join 900,000+ readers discovering how small daily shifts create big life change with my free newsletter. Subscribe https://news.jayshetty.me/subscribe   Check out our Apple subscription to unlock bonus content of On Purpose! https://lnk.to/JayShettyPodcast  What We Discuss: 00:00:00 Intro 00:00:51 Winning an NBA Championship 00:03:13 What Comes After Your Biggest Goal? 00:06:12 Slowing Down to Celebrate 00:07:38 The Walk That Changed Everything 00:11:17 Choosing Calm and Forgiveness 00:14:48 Finding Peace in Quiet Moments 00:17:03 Everyone Sees the World Differently 00:18:42 Confidence Starts at Home 00:20:09 Losing Family During COVID 00:22:42 A Final Conversation with Mom 00:26:12 Letting Go with Love 00:27:23 Making Every Moment Special 00:28:50 "You Should've Drank More" 00:31:24 Feeling Her Presence Again 00:31:48 Living with Survivor's Guilt 00:34:05 Everyone Wants to Be Heard 00:35:51 When Therapy Looks Different 00:38:04 The Coach Who Changed Everything 00:39:53 A Love Story Over Uno 00:40:27 From Friends to Forever 00:41:32 What We Learned from Each Other 00:44:22 The Luckiest Bag in Basketball 00:46:09 Traded Without Warning 00:48:43 Feeling Welcome in New York 00:50:06 The Ultimate Courtside Stress Test 00:52:48 Bouncing Back from Failure 00:54:26 The Pre-Game Routine 00:59:12 Playing for the Dominican Republic 00:59:42 Carrying Your Country with Pride 01:01:28 The Moments People Remember 01:03:24 Karl Anthony on Final Five Episode Resources: YouTube | https://www.youtube.com/c/KarlAnthonyTowns  Facebook | https://www.facebook.com/karlanthonytowns/  Instagram | https://www.instagram.com/karltowns  X | https://x.com/KarlTowns Learn more about your ad choices. Visit podcastchoices.com/adchoices

What if the only thing standing between you and the life you want is one brave decision? In this episode, Jay reveals why courage isn't something you're born with, it's something you build. Through powerful psychological insights and practical tools, he shares how small, uncomfortable actions can break the cycle of fear, reshape your confidence, and completely change the direction of your life, one step at a time.  With Love and Gratitude, Jay Shetty A State Farm agent can help you choose the coverage you need. Like a good neighbor, State Farm is there. Visit: https://www.statefarm.com/  Use code PURPOSE10 for 10% ataltrarunning.com/onpurpose. Free Shipping and Free 30-Day Trial. Visit: https://www.altrarunning.com/  On Purpose is now Netflix and Spotify exclusive  http://www.netflix.com/onpurposewithjayshetty  https://open.spotify.com/show/5EqqB52m2bsr4k1Ii7sStc?si=33f7898fb334437c  JAY'S DAILY WISDOM DELIVERED STRAIGHT TO YOUR INBOX Join 900,000+ readers discovering how small daily shifts create big life change with my free newsletter. Subscribe here: https://news.jayshetty.me/subscribe  Check out our Apple subscription to unlock bonus content of On Purpose! https://lnk.to/JayShettyPodcast  What We Discuss: 00:00:00 Introduction  00:01:59 Courage Is a Skill 00:03:12 Your Dream Life Starts Here 00:06:12 Do It Scared 00:08:48 True Bravery Is Quiet 00:10:04 Stop Waiting to Feel Ready 00:13:25 Why Bravery Feels So Hard 00:17:13 Track Reps, Not Results 00:18:47 Overcoming Fear of Judgment 00:22:30 Whose Opinion Do You Fear? 00:25:22 Move With Time, Not Fear Learn more about your ad choices. Visit podcastchoices.com/adchoices

Willie Spears, M. Ed., is a highly sought after speaker, critically acclaimed author, educator, and coach who has taken the country by storm with his passionate, energetic, and hilarious approach to teaching life management skills. Through a significant social media presence and an average of 20 presentations per month across multiple states, The Willie Spears Experience has become a trusted source of inspiration.As the lead servant of The Willie Spears Experience LLC, Coach Spears, along with his dedicated team, has added substantial value to hundreds of organizations, schools, colleges, universities and teams. Additionally, he has shared his expertise with several Fortune 500 companies, including State Farm, McDonald's and the Southern Company. Mr. Spears is captivating audiences globally through powerful and interactive presentations that are focused on motivation, leadership, and professional development.Welcome to the Pinkleton Pull-Aside Podcast. On this podcast, let's step aside from our busy lives to have fun, fascinating life-giving conversation with inspiring authors, pastors, sports personalities and other influencers, leaders and followers. Sit back, grab some coffee, or head down the road and let's get the good and the gold from today's guest. Our host is Jeff Pinkleton, Executive Director of the Gathering of the Miami Valley, where their mission is to connect men to men, and men to God. You can reach Jeff at GatheringMV.org or find him on Facebook at The Gathering of the Miami Valley.

Jay sits down with Jake Shane for a candid conversation about fame, anxiety, OCD, dating, body image, and the pressure of living online. Together, they unpack what it takes to stay grounded when your life is constantly on display and why the hardest relationship to navigate is often the one you have with yourself. We all face moments when comparison, self-doubt, or the opinions of others begin to shape how we see ourselves. This conversation is an invitation to reconnect with who you are beneath the pressure, and to remember that your worth has never depended on perfection or applause. With Love and Gratitude, Jay Shetty A State Farm agent can help you choose the coverage you need. Like a good neighbor, State Farm is there. Visit: https://www.statefarm.com/  Use code PURPOSE10 for 10% ataltrarunning.com/onpurpose. Free Shipping and Free 30-Day Trial. Visit: https://www.altrarunning.com/  On Purpose is now Netflix and Spotify exclusive  http://www.netflix.com/onpurposewithjayshetty  https://open.spotify.com/show/5EqqB52m2bsr4k1Ii7sStc?si=33f7898fb334437c  JAY'S DAILY WISDOM DELIVERED STRAIGHT TO YOUR INBOX Join 900,000+ readers discovering how small daily shifts create big life change with my free newsletter. Subscribe https://news.jayshetty.me/subscribe   Check out our Apple subscription to unlock bonus content of On Purpose! https://lnk.to/JayShettyPodcast  What We Discuss: 00:00:00 Intro 00:01:55 The Habit That Changed My Life 00:02:38 What Should You Actually Journal? 00:03:28 Get Your Thoughts Out of Your Head 00:04:26 Understanding Confession OCD 00:04:50 Creating a Safe Space 00:05:43 What If I Become Unrelatable? 00:07:26 What Would Younger You Think? 00:08:25 Right vs. Wrong 00:09:38 Talking About Private People 00:10:32 Dating as a Gay Man 00:12:24 Transforming Your Body 00:13:15 Making Peace With Your Past 00:15:41 Choosing the Right People Around You 00:17:22 Learning to Be Misunderstood 00:20:24 The Healing Power of Sitting in the Shower 00:22:26 What Weed Really Does to Your Brain 00:23:26 Keep Something Just for You 00:24:52 When People Don't Like You 00:29:00 Internet Drama Isn't Worth It 00:30:33 Don't Profit From Misfortune 00:31:28 The Truth About Cancel Culture 00:32:30 Gossip Stays Private 00:33:03 The Three Rules of Gossip 00:34:50 What Is a Crash Out? 00:35:50 My Three-Month Crash Out 00:37:22 Functioning Through a Crash Out 00:38:58 Facing Your Biggest Fear 00:41:15 When Public Opinion Hurts 00:43:27 Finding Your Spark Again 00:44:29 Does Everyone Know Too Much? 00:48:03 Biggest Dating Red Flags 00:49:37 Living With Constant Criticism 00:51:35 Jake's Dating Rules 00:52:47 The Wild Things We Do for Love 00:53:37 The 72-Hour Rule 00:55:32 Are You Ready for a Relationship? 00:56:29 The Fear of Living Alone 00:57:27 What Makes a Good Friend? 00:59:23 Which One Ruins Your Day More? 01:03:19 Gut Reaction with Jake 01:06:00 Jake on Final Five Episode Resources: YouTube | https://www.youtube.com/@passthatpuss  Instagram | https://www.instagram.com/passthatpuss  TikTok | https://www.tiktok.com/@octopusslover8    Therapuss | https://podcasts.apple.com/us/podcast/therapuss-with-jake-shane/id1723626781  Learn more about your ad choices. Visit podcastchoices.com/adchoices

Marketing insurance agents nationwide sounds like a contradiction, but Uptown Marketing founder Martina Barley built a thirteen person, all female agency doing exactly that. Martina joins Fitz at ROC Vox to talk about her path from an unlicensed State Farm sales assistant to the self described "Michael Jordan of sales," and why the confidence that built her business almost got in the way of leading her team.In this episode, you'll learn how Martina grew Uptown Marketing from three founders to thirteen employees, why she believes sales and leadership are two completely different skill sets, how she convinces insurance agents to actually invest in their online presence, and what she tells clients about AI replacing, or not replacing, their jobs. CHAPTERSCONNECTUptown Marketing → https://uptownmarketing.comThe Marketing Girl (book) → https://www.amazon.com/Marketing-Girl-Trusting-Intuition-Confidence/dp/1956464484ROC Vox → https://rocvox.comSalvatore's → https://salvatores.comNew episodes of Positive Blatherings drop every Tuesday.Recorded at ROC Vox Recording & Production in Bushnell's Basin, NY.Learn more at https://rocvox.com 

California homeowners are about to absorb the steepest home insurance rate increase of any state in the country — a 16% spike that isn't a rounding error but the compounding result of years of regulatory failure. Gavin Newsom's California Department of Insurance kept a stranglehold on rate approvals for so long that major carriers like State Farm and Allstate simply walked away. Residents were left relying on an underfunded state plan nobody wanted, and when the Palisades fire hit and billions in claims came due, the math finally caught up.Now the bill is landing inside escrow accounts and monthly mortgage payments that millions of California families cannot absorb. Overregulation didn't protect consumers — it guaranteed this crisis. The reinsurance market priced the risk that Sacramento refused to acknowledge, and every homeowner in the state is now paying for that bet.This is just one more notch on California's affordability belt. Insurance isn't optional when you carry a mortgage, and when the unavoidable cost of staying becomes unsustainable, people leave. They already are — and this 16% shock is going to accelerate it. The state is not getting cheaper. It is getting more expensive on every axis simultaneously, and the exits are wide open.Subscribe to @reasonablenews for daily news from a perspective the mainstream skips — no spin, no nonsense.#California #InsuranceCrisis #CostOfLivingGO PREMIUM WITH REASONABLE+ FOR UNCENSORED ACCESS

Senior Associate Editor Renee Kiriluk-Hill details her BestWire reporting showing Progressive strengthened its position as the nation's largest auto insurer in AM Best's latest rankings, increasing its market share while pulling further ahead of State Farm.

In this deeply personal conversation, Jay and Millie Bobby Brown talk about the process of discovering who she is outside of finding immense fame at a young age. She opens up about the isolation of growing up in the spotlight, the impact of shaving her head as a child, and the three-month long anxiety spiral that led her to Kyoto, Japan. She also reflects on what parenthood means to her, and we learn more about the moment she found out she was becoming a mother. Jay discovers the daily techniques Millie uses to manage her anxiety, and dives into how her and her husband Jake built a strong foundation for their marriage.  In this episode you'll learn:  How to Build Confidence Outside of External Opinions How to Manage Anxiety and Panic Attacks in High Pressure Moments How to Build a Strong Foundation in Relationships  How to Set Healthy Boundaries with Social Media  How to Build and Maintain Loyal, Honest Friendships   How to Approach Adoption and Building a Family   How to Raise Children Deeply Rooted in Confidence This episode is for everyone who needs a reminder that no matter how hard the world gets, you are the creator of your own story. Protecting your peace and your time with loved ones is never selfish, it's restorative. Knowing yourself before anyone tells you who you are will keep you rooted in the calmness of the present moment.  With Love and Gratitude, Jay Shetty JAY'S DAILY WISDOM DELIVERED STRAIGHT TO YOUR INBOX Join 900,000+ readers discovering how small daily shifts create big life change with my free newsletter. Subscribe ⁠⁠https://news.jayshetty.me/subscribe⁠⁠   Check out our Apple subscription to unlock bonus content of On Purpose! ⁠⁠https://lnk.to/JayShettyPodcast⁠⁠  PURPOSE10 for 10% at altrarunning.com/onpurpose. Free Shipping and Free 30-Day Trial. A State Farm agent can help you choose the coverage you need. Like a good neighbor, State Farm is there. What We Discuss: 00:00 Intro 00:49:00 What 11-Year Millie Would Think Of Her Now 00:01:39 Why She Shaved Her Head at 10 00:03:55 The Role She Most Identifies With   00:05:43 The Unbreakable Bond with Her Mom 00:06:40 Why Millie Wanted to Be a Mom 00:07:40 Sneaking Out to Get Her 11 Tattoo  00:10:57 How Motherhood Changed Her Forever 00:12:32 This Perspective Shift Changed Her Life 00:13:37 Writing Wedding Vows for a Whole Year  00:16:16 Why Adoption Was Always Part of Her Plan 00:19:08 The Moment She Became a Mom… 00:21:15 Important Lesson From Her Parents 00:23:31 Being A Big Sister 00:24:56 Addressing the “Trad Wife” Assumptions  00:26:07 Being Young In The Spotlight  00:26:16 Her Epiphany After Public Criticism  00:29:16 How to Accept Your True Self 00:32:17 Millie's Favourite “Rappers” 00:33:13 Why She Quit Social Media Cold Turkey 00:34:52 Healing Her Worst (3 Month) Panic Attack  00:35:38 Living With Health Anxiety and Triggers 00:35:59 Finding Peace In Kyoto, Japan with Monks  00:36:46 Her Go-To Techniques for Anxiety  00:38:52 How She Discovered Her Health Anxiety 00:41:11 A Crazy Encounter Turned Nightmare  00:42:50 Mediation With A Monk 00:44:24 Being Open To Divine Intervention  00:46:15 Her Go-To Techniques for Anxiety  00:49:44 Building a Strong Foundation with Jake 00:53:08 What Jake Understands And What Others Miss 00:55:42  What Millie Values Most In Friendships 00:56:53 Watching Jake Become a Dad 00:59:41 Ignoring The Public Noise, Together  01:03:19 Scrutinizing Women In The Public Eye  01:06:44 The Advice She Gives Young Stars  01:08:54 Millie's Mentors Growing Up 01:10:05 #1 Belief She Stands For, No Matter What 01:12:03 The Jake Game! 01:16:27 Millie On Final Five Learn more about your ad choices. Visit podcastchoices.com/adchoices

State Farm is overhauling the way it sells insurance as it embraces artificial intelligence. WSJ insurance reporter Jean Eaglesham explains why the changes have sparked backlash from agents and customers. Plus, WSJ columnist Christopher Mims explains why tech companies' water usage disclosures don't always tell the full story. Imani Moise hosts. Have you seen an AI-generated post you thought was real? We want to hear from you! Record a voice memo and send it to tnb@wsj.com or leave us a voicemail at (212) 416-2236. Sign up for the WSJ's free Technology newsletter. Learn more about your ad choices. Visit megaphone.fm/adchoices

How do you hold employees to high standards of performance while being a compassionate leader? The answer is walking the accountability tightrope. In this episode of Boss Better Now, Joe Mull kicks off a special four-part series adapted directly from his live leadership workshops on accountability in leadership. Listen in as he explains why equating caring with leniency leaves teams frustrated and exactly what you need to do to fix it. Many managers fall into a protector mindset where they prioritize comfort and underestimate employee capability. Joe shares real stories from his own career about being overly delicate and nervous about giving feedback to employees because he wanted to be liked. He details exactly how to shift away from rescuing struggling employees and instead provide the productive struggle necessary for growth. What to Expect in This Episode: Why Feedback is the Most Important Leadership Skill: Why vague, subjective language triggers defensiveness and how to avoid it. What is the Accountability Tightrope?: Joe introduces the summer series focused on balancing high standards with supportive relationships. Why "Soft" Leadership Causes Employee Frustration: The real costs of avoiding uncomfortable conversations and letting employees coast. Recognizing the Protector Mindset at Work: How avoiding meaningful work and lowering expectations prevents teams from reaching peak performance, and what the mentor mindset looks like instead. Overcoming the Need to be Liked as a Manager: Joe's personal story about walking on eggshells and how it harms team development. How to Raise Standards When You Already Offer High Support: Steps to articulate clear expectations rooted in culture and values. The Viral Teacher Hack for Correcting Behavior: Stop targeting the person and start naming the standard. Using the Feedback Stack Framework: How to give feedback to employees using objective, behavior-based language that lands without triggering defensiveness. To subscribe to Joe Mull's BossBetter Email newsletter, visit https://BossBetterNow.com For more info on working with Joe Mull, visit https://joemull.com For more info on Boss Hero School, visit https://bossheroschool.com To email the podcast, use bossbetternow@gmail.com #leadership #management #toxicworkculture #teambuilding #workplaceculture #conflictmanagement #employeeengagement #motivation Joe Mull is on a mission to help leaders and business owners create the conditions where commitment takes root and the entire workplace thrives. A dynamic and deeply relatable speaker, Joe combines compelling research, magnetic storytelling, and practical strategies to show exactly how to cultivate loyalty, ignite effort, and build people-first workplaces where both performance and morale flourish. His message is clear: when commitment is activated, engagement rises, teams gel, retention improves, and business outcomes soar. Joe is the founder of Boss Hero School™ and the creator of the acclaimed Employalty™ framework, a roadmap for creating thriving workplaces in a new era of work. He's the author of three books, including Employalty, named a top business book of the year by Publisher's Weekly, and his popular podcast, Boss Better Now, ranks in the top 1% of management shows globally. A former head of learning and development at one of the largest healthcare systems in the U.S., Joe has spent nearly two decades equipping leaders—from Fortune 500 companies like State Farm, Siemens, and Choice Hotels to hospitals, agencies, and small firms—with the tools to lead better, inspire commitment, and build more humane workplace cultures. His insights have been featured in The Wall Street Journal, Forbes, Harvard Business Review, and more. In 2025, Joe was inducted into the Professional Speakers Hall of Fame (CPAE). This is the speaking profession's highest honor, a distinction granted to less than 1% of professional speakers worldwide. It's awarded to speakers who demonstrate exceptional talent, integrity, and influence in the speaking profession For more information visit joemull.com. Timestamps 0:00 Why do vague performance reviews trigger defensiveness? 0:30 How do you navigate the accountability tightrope? 1:54 Why does a soft leadership style backfire? 3:01 What is the protector mindset in management? 4:06 How to stop rescuing your struggling employees 5:39 Overcoming the manager's need to be liked 6:30 How do highly supportive leaders raise standards? 9:14 How to correct behavior by naming expectations 10:28 How to use the feedback stack methodology 11:36 How to bring accountability training to your team

GUEST BIO: Tim Richardson is a nationally recognized leadership, sales, and customer experience speaker with over 30 years entertaining and engaging audiences worldwide. Drawing from his background with IBM, resort management, and consulting across healthcare, hospitality, and financial services, Tim helps leaders and teams maximize peak performance. Clients include Abbott, Merrill Lynch, Nokia, and State Farm. He's also the author of Jump Starts, Wit, and Wisdom to Super Charge Your Day.   HIRE THEM TO SPEAK: Follow Tim Richardson: eSpeakers Bio Follow Scott Bloom: eSpeakers Bio Follow eSpeakers: eSpeakers Marketplace   ABOUT NO MORE BAD EVENTS: Brought to you by eSpeakers and hosted by professional emcee, host, and keynote speaker Scott Bloom, No More Bad Events is where you'll hear from some of the top names in the event and speaking industry about what goes on behind the scenes at the world's most perfectly executed conferences, meetings, and more. Get ready to learn the secrets and strategies to help anyone in the event industry reach their goal of putting on nothing less than world-class events. Learn more at nomorebadevents.com.   ABOUT THE HOST: A veteran comedian and television personality who has built a reputation as the go-to choice for business humor, Scott has hosted hundreds of events over two decades for big and small organizations alike. Scott has also hosted his own weekly VH1 series and recently co-hosted a national simulcast of the Grammy Awards from the Palace Theater. As the son of a successful salesman, he was exposed to the principles of building a business at an early age. As a comedian, Scott cut his teeth at renowned improv and comedy clubs. As a self-taught student of psychology, he's explored what makes people tick and has written a book (albeit a farce) on how to get through life. He's uniquely positioned to deliver significant notes on connecting people and making business seriously funny. And who doesn't like to laugh? Learn more about Scott: scottbloomconnects.com   PRODUCED BY eSpeakers: When the perfect speaker is in front of the right audience, a kind of magic happens where organizations and individuals improve in substantial, long-term ways. eSpeakers exists to make this happen more often. eSpeakers is where the speaking industry does business on the web. Speakers, speaker managers, associations, and bureaus use our tools to organize, promote, and grow successful businesses. Event organizers think of eSpeakers first when they want to hire speakers for their meetings or events. The eSpeakers Marketplace technology lets us and our partner directories help meeting professionals worldwide connect directly with speakers for great engagements. Thousands of successful speakers, trainers, and coaches use eSpeakers to build their businesses and manage their calendars. Thousands of event organizers use our directories every day to find and hire speakers. Our tools are built for speakers, by speakers, to do things that only purpose-built systems can. Learn more at eSpeakers.com.   SHOW CREDITS: Scott Bloom: Host | scottbloomconnects.com Joe Heaps: eSpeakers | jheaps@eSpeakers.com

Emilia Costa has spent nearly 20 years in media and advertising, watching the digital landscape transform from the earliest days of podcast sponsorships to the rise of AI-enabled platforms. She currently serves as Senior Manager of Member Engagement & Development at IAB, where she works with some of the biggest companies shaping the future of digital media and advertising including TikTok, Pinterest, Reddit, Beast Industries and OpenAI. An optimist at heart with a love for trend spotting, she serves as IAB's category lead for the Creator Economy and AI member companies, alongside influential publishers, and broadcasters, and has led strategic sponsorships and thought leadership at events like the NewFronts and IAB's Annual Leadership Meeting (ALM).Before IAB, Emilia spent six years at Vevo leading national integrated marketing and branded entertainment strategy, building campaigns for top advertisers like Apple, Disney, and State Farm with Shawn Mendes, Demi Lovato, and Billie Eilish. Earlier in her career, she was the first dedicated Online Marketing Manager at SPIN, the iconic music publication, and got her start at NPR working on sponsorships in the early days of podcasting.

State Farm recently made headlines by flying thousands of its agents to Las Vegas for what turned out to be a dramatic announcement. Behind the Pink concert and Jimmy Fallon selfies, CEO quietly told 19,000 agents he was tearing up their contracts. Anyone staying past 2027 would face lower commissions, lost deferred compensation, and eliminated health benefits. The move signals a massive shift in how one of America’s most storied insurance companies sees its future, and it raises serious questions about what happens when a legacy distribution model collides head-on with a technology-driven competitor. This is just one of the topics that Pirates Christopher Lochhead, Eddie Yoon and Bri Clark discuss on this episode of Pirate Street Journal. Each week, the Category Pirates pick three headlines worth paying attention to and break down the category underneath. You're listening to Christopher Lochhead: Follow Your Different. We are the real dialogue podcast for people with a different mind. So get your mind in a different place, and hey ho, let's go.   State Farm Built an Empire on Agents, Now It’s Cutting Them State Farm is a 104-year-old company built by one Illinois farmer and a network that grew to serve towns too small for anyone else to bother with. That agent network was the moat, the community trust, and the competitive advantage all rolled into one. For decades, agents generated millions in gross revenue through a subscription-like model where selling a homeowner’s policy meant locking in years of recurring premiums. This year, Progressive took the personal auto crown that State Farm had held since World War Two. Progressive sells more than half its auto policies direct, with no agent, powered by AI. State Farm’s response was to bolt an AI initiative onto the same announcement that gutted its agent program, which is a move that many see as too little, too late.   The Real Opportunity State Farm Is Missing Not all agents are created equal, and this is where State Farm’s leadership may be making its biggest error. There are proactive agents who see disruption as opportunity and reactive ones who are already a cost liability. The CEO’s sweeping contract changes treat both groups the same, when the smarter play would be identifying and doubling down on the proactive agents who are the true super consumers of the agent ecosystem. The same logic applies to policy holders. Insurance is a category that can be Money-balled. Some consumers genuinely love insurance, actively seek coverage, and represent enormous lifetime value. Cutting costs to chase switchers who only care about price is a race to the bottom. State Farm should instead be finding ways to use AI to make its best agents more effective and its best customers more loyal, not abandoning the human relationships that made it dominant in the first place.   The Jevons Paradox and What It Means for State Farm A critical lesson from the technology world applies directly to what State Farm is navigating. When AI began generating code, experts predicted the end of software engineering jobs. New data from Signal Fire, which tracked millions of employees across 80 million companies, shows engineers now represent 55% of all new hires at the biggest tech companies, up from 46% in 2019. AI did not kill the job. It made people who do the job more valuable. The same principle could apply to insurance agents. AI handling the routine, administrative, and analytical parts of an agent’s work should free those agents to do what humans do best, which is build trust. Humans love humans, and in a category as personal as insurance, that truth matters enormously. State Farm’s leadership would be wise to remember that the agent on Main Street is not just a cost line. That agent is often the only reason a customer stayed loyal through decades of competing offers. To hear about the other topics in this week’s The Pirate Street Journal, download and listen to this episode. You can also read more Pirate Street Journal entries in the Category Pirates newsletter.   We hope you enjoyed this episode of Christopher Lochhead: Follow Your Different™! Christopher loves hearing from his listeners. Feel free to email him, connect on Facebook, X (formerly Twitter), LinkedIn, and subscribe on Apple Podcast / Spotify!

Nadia and Rob are back in the news (figuratively) as they break down how HB-1 visas and layoffs are impacting tech-heavy city real estate markets, AI-driven changes to State Farm agents' commissions, and the Meta layoffs and the rise of boomerang workers. Later, Nadia rants about rampant corruption as Rob tries to find a red, white, and blue lining in this year's Fourth of July celebrations.Learn more about the topics discussed in the episode today:https://www.ndtv.com/world-news/h-1b-visa-curbs-on-indians-slow-texas-real-estate-us-immigration-policy-11594879/amp/1https://www.wsj.com/finance/state-farms-ai-plan-for-sales-agents-sparks-uproar-a-real-slap-in-the-face-6453e2cbhttps://www.cnbc.com/amp/2026/05/28/michael-dell-trump-accounts-dod.htmlhttps://hrexecutive.com/metas-zuckerberg-weve-made-mistakes-in-ai-transformation/?oly_enc_id=6122G2643790C2ZFind season 6 episode transcripts here: https://drive.google.com/drive/folders/1i5q2ALf97g1pNz1TdSC_OBOlnPcFhsXs?usp=drive_link Connect with us:Visit www.nazconsultants.com to learn more about Dr. Nadia Butt's work in leadership, culture, and organizational effectivenessVisit https://luma.com/trustbydesign for workshops and webinars to use data and AI to build organizational trustSend us your thoughts or topic ideas at inclusivecollectivepodcast@gmail.comFollow Inclusive Collective LinkedIn: https://www.linkedin.com/showcase/inclusivecollective/ YouTube: https://www.youtube.com/@inclusivecollectivepodcast Instagram: https://www.instagram.com/inclusivecollectivepodcast/ Facebook: https://www.facebook.com/InclusiveCollective/ Connect with Nadia: https://www.linkedin.com/in/nadianazbutt/ Connect with Rob: https://www.linkedin.com/in/rob-hadley-utah/

J.C. Hallman discusses the climax of the State Farm and Hursh saga following a major Supreme Court ruling, while intern Maya Henry investigates a surge in bail scams that victims say law enforcement is failing to adequately address. Plus, Stephen Martin details how a new $72 million transmission line built to fix Oklahoma's power congestion has instead sparked secret real estate deals and attracted power-hungry AI data centers. Catch these stories and more on the latest Long Story Short with Shaun Witt.

Sean and Amanda open the show by covering myriad movie news headlines, including the status of Luca Guadagnino's ‘Artificial', new footage released of Tom Cruise in his highly anticipated film, ‘Digger,' and the Academy inviting 529 members, including Jacob Elordi, Teyana Taylor, Josh O'Connor, and more. Then, Sean and Amanda use the new DC film, ‘Supergirl,' which they found creatively and technically empty, as a springboard to have a wide-ranging conversation about the decline in importance of  superhero movie culture. Finally, Chris Ryan joins the show to discuss the (potentially) final film of the ‘Jackass' franchise: ‘Jackass: Best and Last', a movie they all thoroughly enjoyed. (0:00) Intro (0:49) Movie news (23:42) ‘Supergirl' (45:12) What was the superhero movie era? (1:03:23) ‘Jackass: Best and Last' with Chris Ryan Hosts: Sean Fennessey and Amanda Dobbins Guest: Chris Ryan Producer: Jack Sanders Production Support: Lucas Cavanagh Talk to a State Farm agent today to learn how you can choose to bundle and save with the Personal Price Plan®️. Like a good neighbor, State Farm is there®️. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Can AI really clean up messy bookkeeping—and what happens when firms trust it too much? Blake and David break down KPMG's error-filled AI report, the Pentagon's new “Agentic Auditor,” and State Farm's move to tie agent pay to AI. Blake also shares how he used Claude to complete two years of write-up work in hours, with practical lessons on where AI helps, where it fails, and why human review still matters.SponsorsCanopy - http://accountingpodcast.promo/canopyThe Value Builder System - http://accountingpodcast.promo/valueOnPay - http://accountingpodcast.promo/onpayChapters(00:00) - TAP 493 (02:20) - KPMG AI Report Scandal (04:01) - GPTZero Findings Breakdown (05:16) - Hallucinated Case Studies (07:18) - Pentagon Turns to AI Audits (08:33) - Microsoft Copilot Cowork Launch (10:09) - Claude Cowork Write Up Win (15:22) - Recon Fixes and Loan Discovery (20:48) - Future of Agentic Accounting (24:06) - Livestream Q and A TaxGPT (27:01) - AI Review and Human Loop (28:38) - QuickBooks AI Gripe Vibe Coding (31:15) - OnPay Payroll Pitch (32:10) - CPA Fees Rising (33:58) - State Farm AI Agents (37:09) - SpaceX IPO Accounting (39:31) - Musk Disclosure Shift (41:02) - Quarterly Reporting Debate (46:31) - Celebrity Accountant Fraud (50:52) - KPMG Summer Perk Cut (52:24) - Intuit Humanizing AI (55:22) - IRS Data Shared With ICE (57:56) - CPE And Farewell  Show NotesChasing the Hallucinations: KPMG's AI-Powered Attempt at "Redefining Excellence"https://gptzero.me/news/investigations-kpmg/KPMG's AI report becomes an accidental demo of AI hallucinationshttps://www.theregister.com/ai-and-ml/2026/06/12/kpmgs-ai-report-turns-into-a-demo-of-ai-hallucinations/5255029Pentagon turns to AI in push for clean financial audit by 2028https://www.stripes.com/theaters/us/2026-06-11/pentagon-audit-ai-contract-21941885.htmlCopilot Cowork is now generally availablehttps://www.microsoft.com/en-us/microsoft-365/blog/2026/06/16/copilot-cowork-is-now-generally-available/Tax Prep Billing Rates Lift Busy Season 2026https://cpatrendlines.com/2026/04/14/tax-prep-emerges-from-busy-season-2026-as-the-new-engine-for-billing-rates/State Farm overhauls agent contracts, mandates AI usehttps://finance.yahoo.com/technology/ai/articles/state-farm-overhauls-agent-contracts-115756712.htmlSpaceX CFO Bret Johnsen quietly engineered its historic IPO and became an overnight billionairehttps://fortune.com/2026/06/13/spacex-cfo-bret-johnsen-overnight-billionaire-ipo/SpaceX CFO Bret Johnsen joins billionaire ranks after $75B IPO: Trial Balancehttps://www.cfo.com/news/spacex-cfo-bret-johnsen-joins-billionaire-ranks-after-ipo-trial-balance/822848/Investors oppose semiannual reporting, says pollhttps://www.accountingtoday.com/news/investors-oppose-semiannual-reporting-says-pollCFA Institute Investor Perspectives: Quarterly Reporting 2026https://rpc.cfainstitute.org/sites/default/files/docs/research-reports/investor-perspectives-quarterly-reporting-2026.pdfThe Global Freelancer Pay Gap Reporthttps://www.remitly.com/us/en/landing/global-freelancer-pay-gapNick Cannon's Business Accountant Allegedly Embezzles $2 Million, Flees U.S.https://www.tmz.com/2026/05/08/nick-cannon-business-manager-embezzled-millions/KPMG scraps summer early Friday finish for staffhttps://www.cityam.com/kpmg-scraps-summer-early-friday-finish-for-staff/Intuit hires Mother to humanize the QuickBooks maker's AI pitchhttps://adage.com/agencies/accounts-in-review/aa-intuit-hires-mother-as-creative-strategy-partner/After issuing more than $20 billion in tariff refunds, the Trump administration is now pursuing legal action to bring the process to a standstillhttps://fortune.com/2026/06/01/trump-administration-plan-appeal-illegal-ieepa-tariff-universal-refunds/IRS gave 47,000 taxpayers' addresses to ICEhttps://www.accountingtoday.com/news/irs-gave-47-000-taxpayers-addresses-to-iceNeed CPE?Get CPE for listening to podcasts with Earmark: https://earmarkcpe.comSubscribe to the Earmark Podcast: https://podcast.earmarkcpe.comGet in TouchThanks for listening and the great reviews! We appreciate you! Follow and tweet @BlakeTOliver and @DavidLeary. Find us on Facebook and Instagram. If you like what you hear, please do us a favor and write a review on Apple Podcasts or Podchaser. Call us and leave a voicemail; maybe we'll play it on the show. DIAL (202) 695-1040.SponsorshipsAre you interested in sponsoring The Accounting Podcast? For details, read the prospectus.Need Accounting Conference Info? Check out our new website - accountingconferences.comLimited edition shirts, stickers, and o...

This Week in Oklahoma Politics, KOSU's Michael Cross talks with Civic Leader Andy Moore and Legislative Advisor Jennifer Monies about Attorney General Gentner Drummond filing a lawsuit against State Farm over fraudulently denied claims, Drummond announcing his campaign for governor raised more than $1 million in the first 48 hours after the primary election and Oklahoma's dismal voter turnout on June 16.The trio also discusses Tulsa pastor Jackson Lahmeyer officially dropping out of the race for Congressional District One and Cleveland County naming State Senator Darrell Weaver as its interim sheriff.

Execs blame it for mass layoffs and students blame it for lack of job opportunities. Polymarket BS, SpaceX valuation and Kevin Warsh is a man of few words. Plus a revolt at State Farm, LT care for municipal workers in Washington state and do Grandkids have a claim on Grandma's estate?

In today's hybrid and digital workplaces, the instinct for many busy managers is to rely on quick tech tools like AI or generic emails to communicate care. Henna Pryor argues this approach is actually backfiring. She challenges leaders to recognize that we are living in an "age of doubt" where skepticism is the default posture, urging them to close their "signal gaps" by aligning what they say with how they actually show up. Joe Mull sits down with Henna for a conversation about workplace trust and leadership skills. As a workplace performance expert, speaker, and author of Good Awkward and the upcoming book The Signal Gap, Henna brings a wide-ranging career background. From surviving the grueling hours of Big Four public accounting to spending fourteen years in executive search, she uses her front-row seat to team dynamics to help leaders build trust at work and become more believable and impactful. Henna breaks down the difference between cheap and costly signals, explaining why simply expressing gratitude is no longer enough to make employees feel valued. She shares stories from her own career (including her first job at a diner and the sting of being ignored as a high-achieving employee) to illustrate the importance of leadership communication. She also warns against "intent smuggling" and the dangers of public microclaims in the digital age. In this episode, you'll learn:

For decades, State Farm represented stability. Then one of the industry's largest carriers announced sweeping changes to contracts, benefits, compensation, and retirement programs.We explore the State Farm shakeup and  what it means for the independent insurance channel. We discuss ownership, choice, customer loyalty, talent shifts, and why the ability to adapt may be the most valuable asset an agency owner has.This conversation is bigger than one company. It's about control, resilience, and what happens when the landscape changes beneath your feet. Because in insurance, the most important question may not be who writes the policy. It's who makes the rules.Learn more at IntegraPartnerNetwork.com.

Go to https://www.zocdoc.com/DWKT and download the Zocdoc app for FREE. Then find and book a top rated doctor today! Go to helixsleep.com/DWKT for their Fourth of July sale and get 20% off sitewide, 25% off Luxe Mattresses, & 30% off Elite MattressesIf you're 21 or older, get 30% OFF your first subscription order with code: DWKT at https://inda.co #indacloudpodIn today's episode, we dive into the a 16 year old drama that has only now resurfaced. In 2010, Kat Von D rented a house that got severely damaged in a house fire that she has always claimed was an electrical fire. The son of her landlord, who was 16 at the time, has now come out to set the record straight, claiming the fire was actually the result of Kat lighting candles and leaving them unattended. That accusation isn't completely new though, as Kat was actually sued by State Farm for almost $1m a couple years after the initial incident - and they asserted the same circumstances led to the fire. They ended up settling and a court never actually ruled on the case so it faded away without public resolution... until now.We Love the Internets:https://www.tiktok.com/t/ZTBVwhmCY/https://www.instagram.com/reel/DZgIowKBF9N/00:00 Introduction03:24 - Did Kat Von D Burn Down His House?24:37 - Kat Von D Responds1:16:10 - Update from Kat + Debunking Her Timeline1:43:44 - Update from Teva + Decoding His DMs with Jeffree Star1:53:57 - We Love the InternetWe hope you enjoyed this episode!  For even more content, go join The Other Girlies over on our Patreon! https://www.patreon.com/c/doweknowthemPlease let us know on Twitter or Instagram if you have any topic suggestions for a future episode! (@lily_marston & @jessismiles__)PS. The girlies have officially entered their short form content era! Follow our official accounts: https://instagram.com/doweknowthempodcast & https://tiktok.com/@doweknowthempodcastBusiness Inquiries: doweknowthempodcast@gmail.comDo We Know Them PodcastHosted by Lily Marston & Jessi Smiles

On today's MJ Morning Show:Psychic predicts mass alien abductions at the World CupMorons in the newsAre you suspicious of your phone updates?Trying to sell fake drugs to copsA guy stole a police K9 truck... with dog and firearmsBailey story 1: The drunk-texting roommateBailey story 2: Uber guy storyReport of shark bite off Davis IslandsMJ received (another) State Farm solicitation letterA classic video game sold for a record $3 millionIce cream shop owners confront guy who left 1 star reviewMark Zuckerberg orders employees to have funChick-fil-A bumped from top spot: 15 top quick-service restaurantsDiddy's release date changed againTaylor Swift wedding stage being built James Franco... is he crazy or is he promoting something with his new Tiktok pageJelly Roll divorceCorey Feldman got seriously ill on a flight... We spoke to Goonies castmate Robert DaviTop pickleball tournament comes to St. PeteRestaurant puts a sign on the door about tippingState enacts new laws restricting nitrous oxide/whippetsForget the rich husband... woman says this is who you should marrySee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Why do high-performing men lose their identity in midlife? After 35 years on the front lines of emergency medicine and over 170,000 patients treated, Dr. Kenneth Ro stepped back and named something he was seeing repeatedly. The men coming through his ER weren't just breaking down physically. They were losing their identity, their edge, and their sense of purpose. In this conversation, Larry Olsen sits down with Dr. Ro to talk about what happens when a man's identity gets fused to his profession, and what to do about it before it costs him his health, his relationships, or his career. What you'll hear: • The Triple Caretaker Effect and why most men get the order wrong • Why "midlife crisis" is the wrong frame and what Dr. Ro calls a midlife inflection point • The Stephen Covey line that most leaders have heard but very few apply: climbing the ladder against the wrong wall • Dr. Ro on why silence is a bigger health risk factor than blood pressure or cholesterol • What happens when I've attached who I am to what I do? ABOUT DR. KENNETH RO Dr. Kenneth Ro is a double board certified emergency physician with 35+ years on the front lines of emergency medicine and over 170,000 patients treated. He is the author of Prime: How to Win the Second Half of Life and the founder of the Reclaim Method, a framework helping high-performing men in midlife rebuild their health, clarity, and confidence. Dr. Ro practices in Cypress, Texas. ABOUT LARRY OLSEN Larry Olsen is a Two-Time Vistage Speaker of the Year and Fortune 50/500 Executive Performance Advisor with 40+ years of client work at Toyota, PepsiCo, Starbucks, Harley-Davidson, Honda, American Airlines, State Farm, Frito Lay, Lexus, and Tropicana. He is the author of Get a Vision and Live It! and the founder of Performance Driven Neurology. IF THIS LANDED FOR YOU The next step is Larry's Brain Hacks Intensive. It is a guided practice that walks you through the foundational mindset shifts Larry teaches Fortune 500 executives. Brain Hacks Intensive: https://neuromindedcollective.com/brain-hacks-challenge CONNECT WITH LARRY Website: larryolsen.com LinkedIn: linkedin.com/in/larry-r-olsen CONNECT WITH DR. KENNETH RO Website: kennethromd.com Book: Prime: How to Win the Second Half of Life (Amazon, search Ken Ro MD) SUBSCRIBE FOR MORE New episodes of the Brain Vault Podcast publish every other Wednesday. Yours in growth, Larry

In this episode, we discuss State Farm's controversial decision to reduce commissions for its sales agents due to advancements in AI technology. Additionally, we explore Allbirds' unexpected name change to Smartbirds as they pivot to AI infrastructure, the launch of Pinterest's AI shopping app, and the public's rising skepticism towards AI.Chapters00:00 Introduction02:00 State Farm's Commission Cuts04:12 Allbirds Rebrands to Smartbirds09:24 Achieves $1.45B Valuation15:34 Pew Research on AI Sentiment16:42 Social Media Algorithm Control Show LinksGet Images in Claude with the AI Box MCP: ⁠⁠https://aibox.ai/mcpHow I Grow and Scale My Business with AI: https://www.skool.com/aihustleGet the AI Chat Daily Newsletter: https://www.aichatdaily.com/newsletter

If you've ever wondered what your insurance agency is really worth in today's market, and whether now is the right time to sell, this episode cuts straight to the chase. Brandon Schuh and Nick Hartmann sit down with two sharp industry voices: Varada Bhat, Senior Correspondent at the Financial Times' P&C Specialist, and James Graham, Managing Director at MarshBerry, the nation's leading M&A advisory firm for insurance brokerages. Together, they untangle the intersection of AI disruption, carrier strategy, and brokerage valuations in what is shaping up to be one of the most pivotal moments in the history of independent insurance distribution.Varada Bhat opens the conversation with a ground-level view of where the personal lines market stands today, transitioning out of a hard market cycle, into a softer, more competitive landscape where carrier retention has become the new growth strategy. She digs into State Farm's sweeping workforce realignment, the broader shift away from the captive agent model across carriers like Allstate and Nationwide, and how AI is splitting the industry into two camps: those stuck in pilot mode and those already deploying agentic AI across claims and operations. The critical takeaway? Underwriting discipline and customer service still matter more than any algorithm.James Graham follows with the kind of inside-baseball analysis you can only get from someone doing valuation work every single day. He breaks down why private brokerage multiples have held steady even as public broker valuations dropped more than 20% from their March 2025 peak, and why that divergence makes sense. He lays out what buyers are really paying for right now (organic growth, scale, and retention), why the softening market is the real driver of multiple compression, not AI, and why the fundamentals of the insurance brokerage business remain among the strongest of any industry. For agency owners wondering whether to sell now or wait, his perspective is a must-hear.Chapters00:00 Introduction 04:47 Varada Bhat Interview Begins: P&C Market Overview06:28 Carrier Retention as the New Growth Strategy07:24 AI in Insurance: Pilot Phase vs. Deployed Reality09:48 State Farm, Allstate & the Decline of Captive Agents11:55 AI Automation: Simple vs. Complex Insurance Products14:22 Lemonade, Root & the Insuretech Valuation Reality Check16:55 Geico Hires Goldman Sachs CMO: UX and Millennial Strategy19:47 AI Regulation in Insurance: NAIC Guidelines & State Laws21:33 Who's Best Positioned to Win the AI Era?24:40 Personal Cyber Policies & Consumer Data Privacy26:23 Insurance Affordability as a Political Issue32:29 James Graham Interview Begins: MarshBerry Origin Story34:35 Public vs. Private Broker Valuation Divergence39:16 What Buyers Are Really Looking For Today: Organic Growth41:55 Private Equity Activity: Strategic vs. Dry Powder Deals43:58 EBITDA Multiples: Are 11-12x the New Normal?46:06 Debt Leverage, Hold Times & PE Exit Bottlenecks48:02 AI's Role in Brokerage Multiple Compression50:10 Revenue Per Employee & the AI Productivity Argument52:58 Regulation as Insurance's AI Moat55:26 Client Retention Post-Acquisition: What Really Drives It57:48 2026–2027 Outlook: Will Big Blockbuster Deals Continue?Connect with RiskCellar:Website: https://www.riskcellar.com/James GrahamWebsite: https://www.marshberry.com/about/our-team/james-graham/LinkedIn: https://www.linkedin.com/in/james-graham-b91a5214Varada BhatLinkedIn: https://www.linkedin.com/in/varada-bhatBrandon Schuh:Facebook: https://www.facebook.com/profile.php?id=61552710523314LinkedIn: https://www.linkedin.com/in/brandon-stephen-schuh/Instagram: https://www.instagram.com/schuhpapa/Nick Hartmann:LinkedIn: https://www.linkedin.com/in/nickjhartmann/

In this episode, we discuss State Farm's controversial decision to reduce commissions for its sales agents due to advancements in AI technology. Additionally, we explore Allbirds' unexpected name change to Smartbirds as they pivot to AI infrastructure, the launch of Pinterest's AI shopping app, and the public's rising skepticism towards AI.Chapters00:00 Introduction02:00 State Farm's Commission Cuts04:12 Allbirds Rebrands to Smartbirds09:24 Achieves $1.45B Valuation15:34 Pew Research on AI Sentiment16:42 Social Media Algorithm Control Show LinksGet Images in Claude with the AI Box MCP: ⁠⁠https://aibox.ai/mcpHow I Grow and Scale My Business with AI: https://www.skool.com/aihustleGet the AI Chat Daily Newsletter: https://www.aichatdaily.com/newsletter See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this episode, we discuss State Farm's controversial decision to reduce commissions for its sales agents due to advancements in AI technology. Additionally, we explore Allbirds' unexpected name change to Smartbirds as they pivot to AI infrastructure, the launch of Pinterest's AI shopping app, and the public's rising skepticism towards AI.Chapters00:00 Introduction02:00 State Farm's Commission Cuts04:12 Allbirds Rebrands to Smartbirds09:24 Achieves $1.45B Valuation15:34 Pew Research on AI Sentiment16:42 Social Media Algorithm Control Show LinksGet Images in Claude with the AI Box MCP: ⁠⁠https://aibox.ai/mcpHow I Grow and Scale My Business with AI: https://www.skool.com/aihustleGet the AI Chat Daily Newsletter: https://www.aichatdaily.com/newsletter See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

This Day in Legal History: The End of Roosevelt's Hundred DaysOn this day in 1933, Franklin Roosevelt signed three pieces of legislation that closed out what the country has been calling the Hundred Days ever since: the Banking Act of 1933, the National Industrial Recovery Act, and the Farm Credit Act, with the Home Owners' Loan Act having been signed three days earlier. The Banking Act of 1933 is the one most lawyers know, because the popular name attached to it — Glass-Steagall — has been doing rhetorical work in financial-regulation debates for ninety-three years.Carter Glass of Virginia and Henry Steagall of Alabama, the Senate Banking chair and the House Banking chair respectively, built the statute around two structural propositions: that commercial banks should be separated from investment banking and the speculative securities business that had helped pull the country into the Great Depression, and that depositors at member banks should be protected by a federal deposit insurance scheme so that a panic at one bank did not become a panic everywhere.The deposit insurance piece became the Federal Deposit Insurance Corporation. The separation piece was the part that got partially repealed by the Gramm-Leach-Bliley Act in 1999 and then revisited in the aftermath of the 2008 financial crisis. The National Industrial Recovery Act, signed the same day, set up the National Recovery Administration and the Public Works Administration and was meant to coordinate industry-wide codes of fair competition; the Supreme Court struck the centerpiece codes provision down two years later in A.L.A. Schechter Poultry Corp. v. United States in 1935 on nondelegation and Commerce Clause grounds, an opinion that nearly killed the early New Deal and prompted Roosevelt's court-packing plan two years after that. The Farm Credit Act consolidated and refinanced the agricultural lending system that the Great Depression had taken to the brink.The legal point worth remembering is that this last day of the Hundred Days was, in retrospect, the moment the federal regulatory state of the twentieth century stopped being a collection of post-Civil-War commissions and started being the integrated structure of agencies, deposit-insurance funds, securities oversight, labor regulation, and welfare administration that the country has lived inside ever since. The fact that the Schechter Court was waiting in the wings to strike down the most ambitious piece of that day's work is part of the lesson. The constitutional question of how much economic ordering a Congress and a President can do at once was not answered on June 16, 1933 — it was framed.The Supreme Court on Monday declined to take up E.D. v. Noblesville School District, a free-speech challenge brought by the parents of an Indiana high-school student whose school district had refused to let her post flyers for her student-run anti-abortion club on classroom and hallway walls. The student, identified in court papers by initials because she was a minor when the case was filed, had been the founder of Noblesville High School's Students for Life chapter. The flyers she wanted posted featured images of demonstrators holding “Defund Planned Parenthood” signs. Noblesville Schools removed the flyers under a district policy giving administrators content-based authority over student materials displayed on school property, and the parents sued under the First Amendment.The Southern District of Indiana sided with the district in 2024, and the Seventh Circuit affirmed in 2025, both applying Hazelwood School District v. Kuhlmeier, the 1988 case that lets public schools regulate the content of school-sponsored expressive activities if the regulation is reasonably related to legitimate pedagogical concerns. The cert denial leaves Hazelwood intact in the Seventh Circuit and everywhere else.The piece worth flagging is Justice Alito's dissent from denial, joined by Justice Thomas, which urged the Court to grant review and use the case to revisit Hazelwood's framework. The dissent argues that Hazelwood was wrongly decided to the extent that it lets schools draw viewpoint-based lines under the cover of pedagogical-concern review, and that the doctrinal distinction Hazelwood draws between school-sponsored speech and Tinker-style independent student speech has become unworkable in the age of student clubs, distributed school messaging, and post-Mahanoy off-campus speech. Two votes are not five votes. But two votes naming a case as the vehicle they wanted are how the next decade of student-speech cases gets queued up. The Court has now told litigants what kind of vehicle it might be looking for. Expect a steady drumbeat of cert petitions teeing up the Hazelwood revisit over the next several terms.US Supreme Court turns away free speech claim by anti-abortion student | Reuters via Maryland Daily RecordThe Supreme Court also turned away on Monday the National Shooting Sports Foundation's challenge to New York's General Business Law § 898, the public-nuisance statute the New York legislature passed in 2021 to let the state and certain private plaintiffs sue firearms manufacturers, distributors, and dealers for endangering the public through the marketing and distribution of their products.The challenge was supported by Smith & Wesson, Sturm, Ruger, Beretta, Glock, and Sig Sauer, and went up on appeal from a 2024 Second Circuit decision that held the New York statute is not preempted by the Protection of Lawful Commerce in Arms Act, the 2005 federal statute that broadly immunizes the gun industry from civil liability arising from the criminal misuse of firearms.The Second Circuit reasoned that the PLCAA's “predicate exception” — which preserves state-law claims when the firearms industry has violated a state or federal statute applicable to the sale or marketing of firearms — covers a state public-nuisance statute that, by its terms, regulates the sale and marketing of firearms. The cert denial leaves the Second Circuit's reading in place, leaves New York's statute on the books and enforceable, and leaves the industry with a litigation exposure it had hoped to neutralize.The strategic part of the case is going to be the copycat statutes. California, New Jersey, Washington, Delaware, Illinois, and Hawaii have all enacted versions of the New York approach since 2021, and other states have similar bills in committee. Each of those statutes is going to invite its own PLCAA-preemption fight in its own circuit, and the cumulative jurisprudence is going to get built case by case until either Congress amends PLCAA or the Court decides one of these cases is the right vehicle to step in. Today's denial was not that vehicle.SCOTUS Upholds NY Law Allowing Lawsuits Against Gunmakers | The Daily SignalThe third notable cert denial on Monday was the end of the road for Tata Consultancy Services Ltd. in its long-running trade-secret fight with DXC Technology — the successor in interest to Computer Sciences Corporation. TCS had asked the Court to review a Fifth Circuit decision that affirmed a $168 million judgment against it for misappropriating CSC's life-insurance-administration software trade secrets and using them to build TCS's own BaNCS platform, which TCS then used to win a $2.6 billion contract with the insurer Transamerica.The Northern District of Texas verdict, returned in 2022, had been $56 million in compensatory damages and $112 million in punitives, and the Fifth Circuit upheld the punitives ratio in 2025 over TCS's BMW v. Gore and State Farm v. Campbell challenge to the proportionality of the punitive award and over its Defend Trade Secrets Act extraterritoriality arguments. The cert petition pressed both points and pressed a circuit split on the standard for proving misappropriation by an independent contractor that had been given access to source code under a nondisclosure agreement, but the Court declined.The practical immediate effect is that TCS will recognize a roughly $70 million one-time exceptional charge in Q1 of its 2027 fiscal year and the total exposure on the matter — combining the affirmed judgment with previously taken provisions — settles in around $220 million. The broader effect is doctrinal stability. The Fifth Circuit's analysis on cross-border trade-secret damages and on the extraterritoriality limits of the DTSA stand. Both questions are going to recur, and the next vehicle that brings them up may catch the Court in a different mood, but for now the law is what the Fifth Circuit said it was.US Supreme Court rejects TCS challenge in $168 million trade secrets case | Business Standard This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit www.minimumcomp.com/subscribe

In today's episode of the Tactical Dent Tech Podcast, I'm unpacking one of the biggest realizations I've had after this recent hail season: Is high volume really the best business model anymore? After running full throttle for the last month and a half, dealing with packed shops, overwhelmed logistics, insurance bottlenecks, storage issues, delayed approvals, supplements, and technician management — I'm stepping back and evaluating what actually makes sense moving forward. In this episode, I break down: The reality of running a hail shop during a major storm Why State Farm, USAA, and Allstate are disrupting the process Long approval times and supplement delays The hidden cost of storage and tied-up shop space Why body shops become bottlenecks during hail season High volume vs high profit shop models Whether it makes more sense to chase every car… or maximize every claim Why technician pay and retention matter more than ever How insurance company relationships are changing the game Thinking long-term: shop growth, acquisitions, and retirement strategy The truth is, hail repair logistics are changing fast. Insurance companies are tightening the process, approvals are slower, and independent shops are being forced to rethink how they operate. At some point, every shop owner has to ask themselves: Do I want to do more cars… or make more money per car? This episode is an honest look at what happens after the storm settles down and you finally have enough breathing room to evaluate what worked, what didn't, and where the future of your business is headed. Topics Discussed: Paintless Dent Repair (PDR), hail repair business, hail shop logistics, State Farm claims, USAA hail claims, Allstate hail claims, insurance supplements, PDR shop growth, technician retention, hail estimating, CCC1, storage fees, hail damage operations, PDR business strategy, high volume vs high profit, EOS meetings, scaling a dent business, technician pay, shop systems.

Two Hot Takes host, Morgan, is joined by guest co-host Sarah Sherman! Sarah knows a thing or two about squirm inducing experiences, so she's the perfect co-host to tackle these unique stories. Like a boyfriend who wants to close the open relationship after unsatisfactory results, someone who can't figure out why her boyfriend wants to feed her, someone who accidentally purchased ashes and then sold the urn, a guy who asked his friend's mom out.. and more! Can't wait to hear your thoughts on these ones. Checkout Sarah's Special & Content: https://www.hbomax.com/movies/sarah-squirm-live-in-the-flesh/5d79e162-5a0a-4177-9021-79bac1836b07 https://www.instagram.com/sarahsquirm/?hl=en Partners: Credit Karma: Download Credit Karma today and get the credit you deserve. State Farm: This episode is sponsored by State Farm. A State Farm agent can help you choose the coverage you need. Like a good neighbor, State Farm is there. Patreon BONUS Content including FREE stories: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.patreon.com/TwoHotTakes ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ NEW MERCH:  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://shop.twohottakes.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ WRITE IN TO US!! Our SubReddit! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.reddit.com/r/TwoHotTakes/⁠⁠⁠⁠⁠⁠ Full length Video episodes available on YouTube: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.youtube.com/c/TwoHotTakes⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Index: 00:00 -- Start 05:17 -- Story 1 AITA for not removing my doormat because it scares my neighbor's kid? 13:56 -- Story 2 AITA for ending things and ghosting after finding out she lied about her husband being dead? 23:58 -- Story 3 Fiancé (27m) wanted to try an open relationships, not my first choice but I agreed. Now he's throwing a tantrum that my "bodycount" is 20x his and wants to add rules... 31:14 -- Story 4 I bought a box at goodwill for $5 and i need some advice on a situation that has developed 37:29 -- Story 5 My boyfriend loves to feed me my meals everyday 53:02 -- Story 6 I (25f) have a secret kink that I haven't told my partner (27m) about 1:01:18 -- Story 7 TIFU by asking my friend's mum out Learn more about your ad choices. Visit podcastchoices.com/adchoices

This Day in Legal History: Wallace Stands in the Schoolhouse DoorOn this day in 1963, Alabama Governor George Wallace physically stood in the doorway of Foster Auditorium at the University of Alabama to block the registration of Vivian Malone and James Hood, the two Black students whose enrollment had been ordered by a federal district court. Wallace's “Stand in the Schoolhouse Door” was the culmination of a long campaign of state defiance of federal desegregation orders that ran from Brown v. Board in 1954 through Cooper v. Aaron in 1958 — the case in which a unanimous Supreme Court told the Little Rock school district, and by extension every state actor, that federal constitutional rulings are the supreme law of the land and that state officials may not nullify them.President Kennedy responded to Wallace's stand by issuing Executive Order 11111, which federalized the Alabama National Guard, and ordering Deputy Attorney General Nicholas Katzenbach down to Tuscaloosa to confront the governor. Wallace gave a long speech invoking states' rights and Tenth Amendment sovereignty, then stepped aside, and Malone and Hood walked in and registered. That night, Kennedy went on national television and delivered the civil rights address that put the Civil Rights Act of 1964 onto the national agenda. The legal and political throughline matters: the schoolhouse door, the executive order federalizing the Guard, the televised address, and the omnibus civil rights legislation that followed were a single coordinated federal response to massive resistance, and the institutional habit they built — the willingness of the federal political branches to back federal court orders with whatever force is necessary — is the substrate on which the modern enforcement of civil rights law sits. Whether that habit holds up under contemporary pressure is one of the live constitutional questions of our moment.The “Anti-Weaponization Fund” saga we have been following all week reached at least a partial resolution on Wednesday when Judge Leonie Brinkema of the Eastern District of Virginia declined to extend her temporary restraining order against the program into a preliminary injunction. The reason, in essence, is that the Justice Department has now formally represented to the court, in writing and through acting Attorney General Todd Blanche, that the $1.8 billion fund is “not going forward.” Brinkema took DOJ at its word for present purposes and dissolved the TRO, which under standard mootness doctrine is the right call when a defendant credibly commits to abandoning the challenged program. But she also did something practical: she warned the government in plain terms not to “play possum with this court,” language that gives the plaintiffs a built-in mechanism to come back fast if the fund quietly re-emerges under a different name.The substantive theory the plaintiffs were pressing — that the fund is an unappropriated expenditure of public money, that the underlying Trump-IRS settlement was a litigation in which the United States was never really adverse to the President in his personal capacity, and that the program's payout criteria are based on political characterizations of past prosecutions rather than any neutral standard — is now preserved for another day rather than litigated to judgment. The practical lesson is the durability of voluntary-cessation doctrine: a government defendant who is willing to abandon a program in court usually wins on mootness, but the cost is real, because future revivals get scrutinized against the prior representation. Watch the Federal Register and the DOJ component-level budget submissions for the next six months — if there is a successor program coming, those are where the first signal appears.Judge declines to halt “anti-weaponization fund” since Blanche says it's dead, but warns DOJ not to “play possum” | CBS NewsA coalition of environmental and tribal-nation plaintiffs filed suit in the U.S. District Court for the District of Columbia on Wednesday seeking to block a U.S. Fish and Wildlife Service-approved land exchange that would transfer 715 acres of the Lower Rio Grande Valley National Wildlife Refuge to SpaceX, in return for 683 acres of privately owned land elsewhere. The plaintiffs are the Center for Biological Diversity, Save RGV, the Carrizo/Comecrudo Nation of Texas, and the South Texas Environmental Justice Network.The legal theory of the case is unusually multi-statute: the complaint alleges violations of the National Wildlife Refuge System Improvement Act of 1997, the National Historic Preservation Act, the National Environmental Policy Act, and the Administrative Procedure Act, with the central administrative-law argument being that the Fish and Wildlife Service's environmental analysis failed to grapple seriously with impacts on endangered ocelots, aplomado falcons, and a long list of migratory species whose habitat the refuge was designed to protect when Congress created it in 1979. The plaintiffs describe this as one of the largest national-wildlife-refuge land exchanges outside Alaska, and the suit asks for vacatur of the exchange decision rather than damages — the standard APA remedy.The political and infrastructural backdrop is hard to miss: SpaceX's Starbase facility at Boca Chica has been expanding into the Lower Rio Grande Valley for years now, and the exchange would consolidate the company's footprint on land previously held for the protection of one of the last remaining ocelot ranges in the country. The merits of the case will turn on the rigor of the FWS environmental analysis. Expect a request for a preliminary injunction within weeks.Lawsuit challenges Trump administration's land swap with SpaceX in Texas | The Washington PostA Los Angeles County jury on Wednesday added $22 million in punitive damages to the $176 million compensatory verdict already entered against socialite and former philanthropist Rebecca Grossman and former Major League Baseball pitcher Scott Erickson, bringing the total civil award to the Iskander family to roughly $198 million.The underlying facts of the case are stark: in September 2020, Grossman and Erickson left a Westlake Village restaurant after drinking and street-raced separate Mercedes SUVs through a residential neighborhood, with Grossman striking and killing two young brothers, Mark and Jacob Iskander, then 11 and 8, as they crossed a marked crosswalk with their parents.Grossman was convicted of two counts of murder in 2024 and is serving 15 years to life. The civil case the family brought is the wrongful-death companion, and the punitive damages award the jury added on Wednesday is the part that does the most policy work: the jury split the punitive award $21 million against Grossman, $1.17 million against Erickson, which under California's reprehensibility-and-net-worth framework reflects both the much greater direct culpability of Grossman as the driver and the substantial disparity in their respective financial positions.The case is notable beyond the parties involved because of how clean it is on the standard punitive-damages analysis the Supreme Court laid out in BMW v. Gore and State Farm v. Campbell: high reprehensibility, a relatively modest single-digit ratio of punitive-to-compensatory damages, and an underlying compensatory award that itself was supported by the gravity of the loss. Watch for an appeal that focuses on the compensatory rather than the punitive number — that is where the appellate leverage actually is.Jury Ups Philanthropist, Ex-Pitcher Crash Verdict To $198M | Law360 This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit www.minimumcomp.com/subscribe

When a workplace is moving a million miles an hour, the natural instinct is to rely solely on technology and efficiency to get things done. Mike Robbins believes this is a missed opportunity. He challenges leaders to prioritize human connection, leaning into the "analog" skills of authentic leadership and vulnerability to build high-performing teams. Joe Mull welcomes Mike to the Boss Better Now podcast for a heartfelt conversation about building stronger and more connected teams. As a former professional baseball player, renowned speaker, and author of five books, Mike draws on a lifetime of teamwork experiences to help leaders cultivate environments where people perform at their best because they feel psychologically safe, valued, and connected. Throughout the discussion, Mike outlines his Authenticity Equation and explains why giving people the space to be honest and imperfect is vital for driving trust in the workplace. He also shares compelling stories from his own life, from getting drafted right out of high school by the New York Yankees to a defining moment with his high school basketball coach, to illustrate the importance of celebrating effort over outcome and modeling the behavior you want to see. In this episode, you'll learn:

In Romans, Paul describes Abraham as "the father of us all." However, his purpose in telling this isn't to say, “Take a look at Abraham's amazing faith.”  He's telling us, “Take a look at God's amazing promise.”  He wants us to realize that you and I have a God who keeps every remarkable promise He has made – including our redemption from sin and eternal salvation in Christ. Episode Art courtesy of State Farm, CC BY 2.0 via Wikimedia Commons

Everyone knows how to find Flo, the Geico Gecko, or Jake from State Farm. But how do customers actually find an independent insurance agent?One of the biggest challenges (and greatest opportunities) for independent agencies is visibility. We discuss online reviews, referrals, community involvement, referrals, social media, authentic relationship-building, and the real ways customers discover and choose independent agents.T If you've ever wondered why some agencies seem to attract customers effortlessly while others struggle to get noticed, this episode offers practical ideas you can implement right away.Learn more at IntegraPartnerNetwork.com.

In today's episode of the Tactical Dent Tech Podcast, I'm talking about something that can absolutely make or break your hail business: Getting paid. If you're in hail repair, retail PDR, or running a shop, this is one of those lessons you either learn the easy way… or the hard way. I'm breaking down what we call "securing the back" — making sure insurance money is actually secured before the vehicle leaves your shop. We get into: Why you should never release a hail car before payment is secured What a Proof of Payment is and why you need it The insurance companies that create the biggest headaches Why State Farm and USAA can slow things down Direction to pay, power of attorney, repair authorization & transport forms Why scaling a hail operation requires admin systems Personal checks vs cashier's checks (and where we draw the line) Why policies matter more than emotions in business How growth forces better systems in PDR shops The truth is, when hail volume scales up, the old "trust the customer" mentality stops working. Systems matter. Documentation matters. And if you're running a real operation, you better make sure the money is secured before the car rolls out. Whether you're a solo tech looking to get into hail, or already running volume, this episode will save you headaches, stress, and potentially thousands of dollars. Topics Discussed: Paintless Dent Repair (PDR), hail repair business, insurance supplements, proof of payment, State Farm hail claims, USAA hail claims, dent shop systems, PDR business growth, retail hail repair, direction to pay, CCC1 estimating, hail season operations, dent tech business tips, shop processes, scaling a PDR business.

Two Hot Takes host, Morgan, is joined by guest co-host Hannah Berner of Giggly Squad! Hannah is back and helping us determining if the people in these stories should have minded their business or not. Like do you tell your DIL she's wrong about the earth being flat? Do you change your outfit because your ex told you to? Or what do you do when your husband's mistress is stalking you?! Speaking of business get ready for her new special on Hulu -- None of my Business!! Can't wait to hear your thoughts on these ones. Checkout Hannah's Special & Content: https://www.hulu.com/movie/hannah-berner-none-of-my-business-dcf075e6-79ce-4cbe-b6a4-153f0970fa88 https://www.instagram.com/HANNAHBERNER/ Partners: Credit Karma: Download Credit Karma today and get the credit you deserve. State Farm: This episode is sponsored by State Farm. A State Farm agent can help you choose the coverage you need. Like a good neighbor, State Farm is there. Patreon BONUS Content including FREE stories: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.patreon.com/TwoHotTakes ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ NEW MERCH:  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://shop.twohottakes.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ WRITE IN TO US!! Our SubReddit! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.reddit.com/r/TwoHotTakes/⁠⁠⁠⁠⁠ Full length Video episodes available on YouTube: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.youtube.com/c/TwoHotTakes⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Index: 00:00 -- Start Learn more about your ad choices. Visit podcastchoices.com/adchoices

A new Wall Street Journal study finds that the five biggest home insurers, Allstate, State Farm, Liberty Mutual, United Services Automobile Association, and Farmers Insurance, denied nearly half of all claims last year. The primary driver is an increase in deductibles, which insurers claim is being done to compensate for an increase in weather-related catastrophes. Professor Richard Wolff and producer Nicole Roussell discuss.Professor Richard Wolff is an author & co-founder of the organization Democracy at Work. You can find his work at rdwolff.com.

What if the only real limit is the story your brain keeps accepting? Kyle and Brent Pease — co-founders of the Kyle Pease Foundation and veteran Ironman competitors — have completed over 150 races together, including multiple Ironman events, with Kyle racing from his wheelchair. But this isn't a story about disability. It's about what becomes available when you decide to see possibility where others see a ceiling. In this episode, Kyle and Brent share how a single question — can people in wheelchairs do an Ironman? — launched a movement that helped over 170 athletes cross more than 1,300 finish lines in one year alone. If you want to lead at a higher level, perform with more grit, and discover what you're actually capable of, this conversation will rewire the way you see your own limits.   ABOUT LARRY OLSEN Larry Olsen is a Two-Time Vistage Speaker of the Year and Fortune 50/500 Executive Performance Advisor with 40+ years of client work at Toyota, PepsiCo, Starbucks, Harley-Davidson, Honda, American Airlines, State Farm, Frito Lay, Lexus, and Tropicana. He is the author of Get a Vision and Live It! and the founder of Performance Driven Neurology, the methodology combining cognitive psychology and neuroscience for C-suite leadership.   ABOUT KYLE AND BRENT PEASE Kyle and Brent Pease are brothers, co-founders of the Kyle Pease Foundation, and one of the most decorated inclusive endurance duos in the world. Kyle, who has cerebral palsy and has used a wheelchair for 41 years, is an Ironman finisher and the face of a 15-year movement that is redefining what inclusion looks like in endurance sports. Learn more about the Kyle Pease Foundation at kylepeasefoundation.org.   READY TO START YOUR OWN BRAIN HACKS PRACTICE? If something Kyle, Brent, or Larry said landed for you in this episode, the next step is the Brain Hacks Intensive. It is a guided practice that walks you through the foundational mindset shifts behind the Performance Driven Neurology methodology, the same shifts Larry teaches Fortune 500 executives and the same principles Kyle and Brent have lived out for 15 years. Brain Hacks Intensive: https://neuromindedcollective.com/brain-hacks-challenge   CONNECT WITH LARRY Website: larryolsen.com LinkedIn: linkedin.com/in/larry-r-olsen CONNECT WITH KYLE AND BRENT Website: kylepeasefoundation.org

Two Hot Takes host, Morgan, is joined by guest co-host Joshua Taylor Bassett! Josh just released his first memoir, Rookie, where he shares some vulnerable truths. So it's perfect timing for him to shed some light on if these Reddit stories were a bit too honest or if the truth, however painful, was necessary. From a fiancé that gets a matching tattoo with his girl best friend, to an open mic night gone wrong, to an OP who finds a journal where her husband trashes her, and more! Need your takes on these ones! Checkout Rookie & Joshua's Content: https://www.instagram.com/joshuatbassett/?hl=en https://www.simonandschuster.com/books/Rookie/Joshua-Bassett/9798893311846 https://www.youtube.com/channel/UCkWPW_qkJ2b0a26spv-ymFQ Partners: State Farm: Talk to a State Farm agent today to learn how you can choose to bundle and save with the Personal Price Plan®. Like a good neighbor, State Farm is there®. Prime Video: Obsession is in session. Watch only on Prime. Patreon BONUS Content including FREE stories: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.patreon.com/TwoHotTakes ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ NEW MERCH:  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://shop.twohottakes.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ WRITE IN TO US!! Our SubReddit! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.reddit.com/r/TwoHotTakes/⁠⁠⁠⁠ Full length Video episodes available on YouTube: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.youtube.com/c/TwoHotTakes⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Index: 00:00 -- Start Learn more about your ad choices. Visit podcastchoices.com/adchoices

Two Hot Takes host, Morgan, is joined by guest co-host Michaela! We're getting back into stories about some RARE breeds. People that are just a bit out there, wild, or so outrageous we can't even begin to understand. Like a guy who hid his fiancé's engagement ring, a MIL who hates her daughter-in-laws art, a guy who pulled a horrible litter box prank, and more! Can't wait to hear your thoughts on these! Partners: State Farm: Talk to a State Farm agent today to learn how you can choose to bundle and save with the Personal Price Plan®. Like a good neighbor, State Farm is there®. Skims: skims.com/tht What brands are you into lately :) help a girl out with a 2 question survey: https://forms.gle/UxWw3RxGAPRoiYRg8 Patreon BONUS Content including FREE stories: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.patreon.com/TwoHotTakes ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ NEW MERCH:  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://shop.twohottakes.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ WRITE IN TO US!! Our SubReddit! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.reddit.com/r/TwoHotTakes/⁠⁠⁠ Full length Video episodes available on YouTube: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.youtube.com/c/TwoHotTakes⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Index: 00:00 -- Start Learn more about your ad choices. Visit podcastchoices.com/adchoices

On today's show, Sean is joined by Chris Ryan to discuss the current state of one of their favorite shared loves: horror movies. They talk through the current paths for directors to break into the genre (0:52), highlight which filmmakers they think are at the top of the game right now (13:52), and break down a myriad of recent releases, including ‘Obsession', ‘Hokum', and ‘Lee Cronin's The Mummy' (32:45). Later, Curry Barker joins the show to discuss his new horror film, ‘Obsession'. He explains how he got his start as a filmmaker in Alabama, shares his personal perspective as a person who went through the YouTube pipeline, and breaks down what's next for him as both a director and an actor (1:19:23). Host: Sean Fennessey Guest: Curry Barker and Chris Ryan Producer: Jack Sanders Production Support: Lucas Cavanagh This episode is sponsored by State Farm®️. A State Farm agent can help you choose the coverage you need. Like a good neighbor, State Farm is there.®️ Learn more about your ad choices. Visit podcastchoices.com/adchoices

Two Hot Takes host, Morgan, is joined by guest co-hosts James and Fuhad from the ShxtsnGigs Podcast! We are getting into some crazy problems and getting insight from male perspectives.. trying to understand "boy brain"! From someone who took a dig at their partners confidence, to untidy habits, to unhealthy obsessions we tackle a variety of male centered issues. Can't wait to hear your thoughts on these ones! Checkout ShxtsnGigs Podcast!: https://www.youtube.com/@ShtsNGigsPodcast https://www.instagram.com/shxtsngigs/?hl=en https://www.shxtsngigs.co.uk Partners: State Farm: Talk to a State Farm agent today to learn how you can choose to bundle and save with the Personal Price Plan®. Like a good neighbor, State Farm is there®. Billie: Visit mybillie.com Patreon BONUS Content including FREE stories: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.patreon.com/TwoHotTakes ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ NEW MERCH:  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://shop.twohottakes.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ WRITE IN TO US!! Our SubReddit! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.reddit.com/r/TwoHotTakes/⁠⁠⁠ Full length Video episodes available on YouTube: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.youtube.com/c/TwoHotTakes⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Index: 00:00 -- Start Learn more about your ad choices. Visit podcastchoices.com/adchoices

The Ringer's Bill Simmons give his thoughts on various topics around the NBA with Round 2 of the playoffs well underway (3:06). Then, David Letterman comes on to talk about his upbringing, the evolution of talk shows, sports, and much, much more! (38:51). Host: Bill Simmons Guest: David Letterman Producers: Chia Hao Tat and Eduardo Ocampo This episode is sponsored by State Farm®. Like a good neighbor, State Farm is there.® The Ringer is committed to responsible gaming. Please visit https://fanduel.com/playwithaplan to learn more about the resources and helplines Learn more about your ad choices. Visit podcastchoices.com/adchoices

Two Hot Takes host, Morgan, is joined by guest co-host Justin! We're getting into some domestic conflicts, couple conundrums, and complex relationship problems! From morning showers vs night showers, to an OP whose partner wont stop breaking her special tea set, to a OP whose partner is holding on to her past, to a woman who can't taste CHEESE! Can't wait to hear your takes on these ones! Partners: State Farm: Talk to a State Farm agent today to learn how you can choose to bundle and save with the Personal Price Plan®. Like a good neighbor, State Farm is there®. Credit Karma: This episode is brought to you by Intuit Credit Karma. Karma you can count on. What brands are you into lately :) help a girl out with a 2 question survey: https://forms.gle/UxWw3RxGAPRoiYRg8 Patreon BONUS Content including FREE stories: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.patreon.com/TwoHotTakes ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ NEW MERCH:  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://shop.twohottakes.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ WRITE IN TO US!! Our SubReddit! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.reddit.com/r/TwoHotTakes/⁠⁠ Full length Video episodes available on YouTube: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.youtube.com/c/TwoHotTakes⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Index: 00:00 -- Start Learn more about your ad choices. Visit podcastchoices.com/adchoices

Drew Lynch is a stand-up comedian known for his self-deprecating humor and sharp storytelling. He rose to fame as a finalist on America's Got Talent, where his performances about living with a stutter earned widespread attention. Beyond stand-up, he has built a strong online following with viral videos and continues to tour nationally. Check out his website DrewLynch.com for dates. IN THE NEWS: Sarah Paulson's “tone-deaf” Met Gala look draws backlash, RFK Jr. targets Zoloft and Prozac in his latest MAHA push to curb America's reliance on prescription drugs, State Farm faces scrutiny over hundreds of alleged violations while experts say Californians won't lose coverage, and Kamala Harris endorses Karen Bass for LA mayor, claiming progress on crime and homelessness.Get it on.Join Dave Rubin and Ron DeSantis live on June 11 at The Fillmore Miami Beach for a rare, unfiltered conversation on Florida's rise and what comes next. Featuring Adam Carolla, Ben Shapiro, and Jillian Michaels, this is a one-night-only event you won't want to miss. Get tickets now: Daverubin.com/eventsFOR MORE WITH DREW LYNCH:SPECIAL: The Stuttering Comedian (Youtube) INSTAGRAM/TIKTOK/YOUTUBE: @thedrewlynchFOR MORE WITH RUDY PAVICH:WEBSITE: RudyPavichComedy.comINSTAGRAM: @ Rudy_Pavich PUNCH UP LIVE: https://punchup.live/rudypavichLIVE SHOWS: May 8 - Las Vegas, NV (2 Shows)May 9 - Las Vegas, NV (2 Shows)May 14 - Covina, CA (Live Podcast)May 15 - Visalia, CAMay 16 - Modesto, CAMay 24 - Costa Mesa, CA (2 Shows)Thank you for supporting our sponsors:BetOnlineCardiff.co/AdamMarathonRewards.comoreillyauto.com/ADAMPluto.tvSHOPIFY.COM/carollaSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.