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For the first time in show history we're doing a “listener's choice” episode! We gave you four options and you ultimately decided to go with a 2008 Movie Swap featuring ‘The Strangers' and ‘Mamma Mia!' Before diving in, Sean and Amanda preview the Super Bowl this Sunday and talk through the potential trailers for some of the year's biggest movies (2:27). Then, they explain what a Movie Swap is exactly (8:42), and discuss ‘The Strangers' (16:59) and ‘Mamma Mia!' (48:38) Hosts: Sean Fennessey and Amanda Dobbins Producer: Jack Sanders 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-host Michaela! We needed one more week of closure - whether good or bad. So coming at you with chaotic updates on someone who calls out his wife for being jealous, a dad who sent his daughter's bf to the store for an inappropriate shirt, an OP whose partner has a crush on the personal trainer, and more! Buckle up and get ready to share your own takes in the comments. 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! Credit Karma: https://www.creditkarma.com/ Bonus Content on Patreon including FREE stories: https://www.patreon.com/TwoHotTakes NEW MERCH: https://shop.twohottakes.com Send us a letter? Our PO Box!! Two Hot Takes. 5042 Wilshire BLVD. #470. Los Angeles, CA 90036 WRITE IN TO US!!! https://reddit.app.link/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
Trying to motivate your employees may be the wrong goal entirely. In this episode, Hall of Fame keynote speaker Joe Mull, CSP, CPAE, challenges one of the most common leadership assumptions and explains why motivation is not something leaders can give to people, but something employees experience when the conditions at work are right. Joe reframes how leaders should think about employee motivation, employee engagement, and employee relations, especially when teams feel checked out or burned out. He explores why perks, incentives, and pep talks rarely lead to sustained effort, and how daily leadership behavior plays a much bigger role in whether people care, try, and stay committed. The conversation focuses on how leaders shape the employee experience through trust, clarity, and attention to the realities of people's work lives, and why creating the right conditions matters more than trying to energize people directly. If you want to improve motivation, strengthen engagement, and build a workplace where effort comes from within, this episode offers a grounded leadership perspective for today's workplace. 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 #transformativeleadership #workplaceculture #companyculture #talentretention #employeeengagement #employeeretention #bossheroschool #employalty 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.
Sean and Amanda open today's action-packed show by discussing the incredible box office success of Markiplier's self-financed ‘Iron Lung,' and they talk through how it could possibly impact the future of moviegoing and studio strategy (2:32). Then, they react to breaking news in real time, with Nancy Meyers's new film starring Penélope Cruz, Kieran Culkin, and Jude Law being dated for December 2027 (17:22). Next, they honor the legendary actor Catherine O'Hara following her passing and briefly build her Hall of Fame (21:58). Following that, Sean shares his 10 favorite movies from the Sundance Film Festival and highlights ‘Josephine' as emotionally devastating and a major standout (27:16). Later, they discuss two recent releases in ‘People We Meet on Vacation,' which they found to be quite disappointing (43:12), and the Charli xcx mockumentary ‘The Moment,' which they both thoroughly enjoyed (1:07:16). Finally, Sean is joined by legendary production designer Jack Fisk to discuss all things ‘Marty Supreme,' his incredibly detail-oriented creative process behind building a new world, and what he learned from working with filmmakers like Terrence Malick, David Lynch, and Paul Thomas Anderson (1:21:57). Hosts: Sean Fennessey and Amanda Dobbins Guest: Jack Fisk Producer: Jack Sanders 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
We are starting Super Bowl week off with a bang! The incomparable Jameis Winston joins the show to speak on his impression of Jaxson Dart's rookie year and his excitement about John Harbaugh being the new Head Coach in New York. Chargers Kicker Cameron Dicker stops by from the Pro Bowl to let us know about his experience so far and how the Chargers can build on this season. Bengals QB Joe Flacco joins the show to discuss his plans for 2026 and what impressed him most about Sheduer Sanders while in Cleveland together. To round out the show, the comedic duo of Keegan-Michael Key and Danny McBride will be here on behalf of State Farm. Those 2 experts in the art of inappropriate celebrations will crown their favorite celly of the year.
Two Hot Takes host, Morgan, is joined by guest co-host Jenna! With everything going on we needed stories that provide some closure, some relief, and a "happy" ending. Whether its the outcome of a woman telling her boyfriend he can't go from moms house to hers, a guy being honest with his GF because of a TikTok trend, or a guy that dresses up as Bigfoot and takes it too far.. these are some chaotic stories with closure. Can't wait to hear your thoughts on them. Partners: Credit Karma: https://www.creditkarma.com/ State Farm: Talk to a State Farm agent today to learn how you can choose to bundle and save with the Personal Price Plan! Minnesota Support: https://www.standwithminnesota.com https://www.wfmn.org/funds/immigrant-rapid-response/ One pot recipe: https://mydailyplates.com/dairy-free-marry-me-chicken-pasta/ Bonus Content on Patreon including FREE stories: https://www.patreon.com/TwoHotTakes NEW MERCH: https://shop.twohottakes.com Send us a letter? Our PO Box!! Two Hot Takes. 5042 Wilshire BLVD. #470. Los Angeles, CA 90036 WRITE IN TO US!!! https://reddit.app.link/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
We're opening up the mailbag! Before diving in, Sean and Amanda break down the poor box office performance over the weekend and highlight some new releases coming this week (2:13). Then, they answer all of your questions relating to last week's Oscars nominations, talk through topics like whether or not late release dates negatively affected certain films' award chances, and debate whether ‘Sinners' now has a legitimate shot at winning Best Picture over ‘One Battle After Another' (11:24). Finally, they update their Best Picture power rankings following the official nominations (1:40:57). Hosts: Sean Fennessey and Amanda Dobbins Producer: Jack Sanders 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
The fastest way to lose Gen Z at work is to misjudge what they need. In this episode, Hall of Fame keynote speaker Joe Mull, CSP, CPAE, challenges common assumptions about Gen Z in the workplace and explains why labeling early career professionals as unmotivated or unprepared misses what actually drives employee engagement, employee relations, and long-term commitment. Joe explores how professional inexperience, economic pressure, and communication norms shape how young employees show up at work, and why patience, mentoring, and leadership behavior matter more than generational stereotypes. He reflects on how early workplace interactions influence confidence, effort, and willingness to grow, especially in the critical first years of a career. The conversation focuses on how leaders can support development, preserve dignity, and build trust with early career employees in ways that strengthen workplace culture and unlock potential rather than shut it down. If you want to lead Gen Z more effectively, improve employee relations, and build a culture where early career professionals grow into committed contributors, this episode offers grounded perspective for today's workplace. 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 #transformativeleadership #workplaceculture #companyculture #talentretention #employeeengagement #employeeretention #bossheroschool #employalty 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.
Juliet and Amanda discuss the newly unsealed text messages between Blake Lively and Taylor Swift amid the drama on the set of 'It Ends With Us' (3:21); sightings of Taylor Swift's mom, Andrea, and Donna Kelce at Sundance (21:28); Feedback and Follow-Up on the Beckham family following Brooklyn Beckham's separation (27:28); and a couple of celebrity couples spotted out and about in the New Year, including Katy Perry and Justin Trudeau (32:04) and Dakota Johnson and Tucker Pillsbury (36:26). Finally, the two talk about Sydney Sweeney's new lingerie line and her interesting marketing tactic (38:42). Hosts: Amanda Dobbins and Juliet LitmanProducers: Jade Whaley and Belle Roman 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
FOX 11's Marla Tellez joins Randy to talk about LA County's probe into the actions of state farm and the inactions of Ricardo LaraSee omnystudio.com/listener for privacy information.
Stephen Martin's latest story was a deep dive into the Survivors' Act and how, a year after it became law, implementation hasn't been what everyone hoped. Paul Monies looked into the large numbers of lawmakers running for higher office and how they are able to keep their leadership positions in the Legislature. J.C. Hallman returns with another story about State Farm, which over the past two months has come under significant scrutiny over bad-faith roof claims. This story is a little different and much more tragic. Ted Streuli hosts.
How does emotional intelligence give real estate agents an edge in guiding clients through one of life's most stressful decisions? In this episode of the Real Estate Excellence Podcast, Tracy Hayes sits down with Robyn McIntosh, a top-tier real estate professional with a rich background in psychology and insurance. Robyn opens up about her unexpected path from working catastrophe claims at State Farm to becoming one of Florida's most trusted names in real estate. Her ability to blend empathy with industry knowledge helps clients navigate not only deals but emotions, turning stress into strategy. From navigating new construction pitfalls to educating buyers on insurance red flags, Robyn emphasizes the value of transparency, community, and staying informed. Whether it's explaining roof replacement impact on home values or the critical timing of involving an insurance agent, she lays out the realities that every buyer and seller should hear. Her journey is a masterclass in resilience, customer service, and intentional business-building. Enjoyed this episode? Share it with someone considering a move or career in real estate! Don't forget to subscribe and leave a 5-star review on Apple Podcasts or Spotify. Highlights: 00:00 - 14:49 New Construction Exposed How Robyn's builder background shaped her strategy Why agents should attend builder meetings Critical need for third-party inspections Permitting issues and layout mix-ups The communication breakdown in national builder pipelines 14:50 - 28:59 The Insurance Mindset Advantage Robyn's State Farm experience in catastrophe claims How it shifted her approach to risk in real estate Explaining Florida insurance pitfalls to out-of-state buyers Why home age affects insurability Avoiding last-minute insurance deal-breakers 29:00 - 42:49 Roofs, Claims, and Seller Strategy When to address aging roofs before listing Educating sellers on repair ROI vs. reality How inspectors and insurance agents derail contracts Preparing buyers and sellers emotionally for negotiations The true cost of ignoring deferred maintenance 42:50 - 57:59 Pivoting from Setback to Success Robyn's career curveball: from nuclear medicine to real estate Losing out on a medical program led to reinvention How real estate filled the service gap she craved Her "Come to Jesus" moment with her husband Turning rejection into redirection 58:00 - 01:12:29 Service, Community & Emotional EQ What "being of service" means to Robyn Why communication is more powerful than contracts Balancing emotion with education in transactions Her husband's public service and how it influences her work The mindset shift from salesperson to problem-solver 01:12:30 - 01:28:59 Broker Choices & Real Estate Realities Choosing the right brokerage for growth Online courses vs. classroom experience Learning curves and mentorship matters Brokerage fit vs. personal discipline Advice for new agents entering the market Quotes: "Before my feet hit the floor, I say: money flows to me easily and abundantly." – Robyn McIntosh "You don't need an inspector because it's a bad builder—you need one to cover everything." – Robyn McIntosh "Life is hard. If selling your home is the hardest thing you face, let me help you through it." – Robyn McIntosh "I love everything about homes—their stories, their challenges, their potential." – Robyn McIntosh To contact Robyn McIntosh, learn more about her business, and make her a part of your network, make sure to follow her on her Website. Connect with Robyn McIntosh! Website: https://www.christiesrealestate.com/real-estate-agents/robyn-mcintosh/35322/ Connect with me! Website: toprealtorjacksonville.com Website: toprealtorstaugustine.com SUBSCRIBE & LEAVE A 5-STAR REVIEW as we discuss real estate excellence with the best of the best. #RealEstateExcellence #RobynMcIntosh #RealEstatePodcast #HomeBuyingTips #FloridaRealEstate #WomenInRealEstate #ServiceDrivenSales #NewConstruction #RealEstateExpert #RealEstateJourney #CustomerExperience #HomeSellingTips #RealEstateMarketing #InsuranceTips #HomeInspection #EmotionalIntelligence #RealEstateLife #PodcastInterview #RealEstateMentor #RealEstateEducation #RoofReplacement #JacksonvilleRealEstate
Two Hot Takes host, Morgan, is joined by guest co-host Charlie Berens! Charlie knows a thing or two about midwest nice, and these stories were NOT it. From someone whose boyfriend always ruins their stories, to a woman who just wants a solo art trip, a guy that got his proposal turned down and then checked out, and a few more. Can't wait to hear your thoughts on these Reddit stories! Watch Charlie's Special on YouTube!: https://www.youtube.com/watch?v=Zqv-yKgUbCA https://linktr.ee/charlie.berens Partners: Credit Karma: https://www.creditkarma.com/ State Farm: Talk to a State Farm agent today to learn how you can choose to bundle and save with the Personal Price Plan! Bonus Content on Patreon including FREE stories: https://www.patreon.com/TwoHotTakes NEW MERCH: https://shop.twohottakes.com Send us a letter? Our PO Box!! Two Hot Takes. 5042 Wilshire BLVD. #470. Los Angeles, CA 90036 WRITE IN TO US!!! https://reddit.app.link/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
Chronic turnover in the same positions is a signal leaders can't afford to ignore. In this episode, Hall of Fame keynote speaker Joe Mull, CSP, CPAE, explores why some positions are harder to fill and keep than others, and how leaders can improve employee retention, employee engagement, employee relations, and workplace culture in high-turnover roles. Joe introduces practical leadership questions that help organizations stand out in their industry and create jobs people actually want to stay in. He discusses ideas like job crafting, ongoing stay conversations, and rethinking quality of life at work, showing how small adjustments to roles and relationships can significantly improve the employee experience. The conversation also addresses the internal issues that quietly drive people away, including unhealthy dynamics and leadership behaviors that undermine trust, even when pay and benefits seem competitive. If you want to reduce turnover, strengthen employee relations, and build roles that attract and keep great people, this episode offers grounded insight leaders can apply right away. 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 #transformativeleadership #workplaceculture #companyculture #talentretention #employeeengagement #employeeretention #bossheroschool #employalty 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.
Jake Ramsey detailed several proposed bills in the upcoming legislative session that could provide balance to Oklahoma's Landlord-Tenant Act. Keaton Ross reported on a dip in parole grant rates when the five-member Pardon and Parole Board is operating at reduced capacity. After reporter J.C. Hallman's latest story focuses on an Edmond family and offers details on State Farm practices across the country. Ted Streuli hosts.
In this episode of the Tactical Dent Tech Podcast, I break down the real realities of getting paid on insurance jobs, especially when you're doing hail work outside of direct repair networks. Sitting in our new shop, surrounded by active hail jobs, I walk through the exact issues we deal with when it comes to insurance payments — delays, confusion, mixed messages, paper checks, ACH deposits, and why you need systems in place to protect your cash flow as you scale. This episode covers: Why insurance companies struggle to pay non-network shops The difference between proof of payment and promises Why direction to pay is non-negotiable Using power of attorney to keep jobs moving How different insurance companies operate (State Farm, GEICO, Progressive, and others) Why you must "lock the bike up" in your business Creating SOPs for insurance payments Protecting yourself as volume increases Avoiding surprises after repairs are complete If you're doing insurance work — or planning to ramp up hail volume — this episode will help you tighten your process, reduce risk, and make sure you actually get paid without chasing checks. This is one of those conversations where seasoned hail techs will nod their head, and newer techs will take notes. Relate or educate — either way, this one matters. Welcome to the Tactical Tech Movement.
Austin O'Bryhim with State Farm in Jackson Hole shares important updates on houses located in wildfire zones and what that means for insurance. He goes over the steps you need to take to make sure your home is insurable. www.yourjacksonagent.com
The Ringer's Bill Simmons opens up a mini-mailbag to answer questions from the listeners before talking about his NBA All-Star picks (1:51). Then, Kon Knueppel joins to catch up on life as a rookie in the NBA, discuss his toughest matchups, and much more! (52:54) Host: Bill Simmons Guest: Kon Knueppel Producers: Chia Hao Tat and Eduardo Ocampo This episode is presented by State Farm®. Dishing the assists you need off the court. State Farm® with the Assist. The Ringer is committed to responsible gaming. Please visit www.rg-help.com to learn more about the resources and helplines available. Learn more about your ad choices. Visit podcastchoices.com/adchoices
We're back with a new movie auction! Sean and Amanda are joined by Chris Ryan to review the rules and results from last year's auctions (3:47) and compete for their most anticipated films of 2026 in ‘The Odyssey,' ‘Dune: Part Three,' ‘Disclosure Day,' and more (39:19). Hosts: Sean Fennessey and Amanda Dobbins Guest: Chris Ryan Producer: Jack Sanders 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
Becoming a better boss is not about quick fixes or one-time changes. In this episode, Hall of Fame keynote speaker Joe Mull, CSP, CPAE, reflects on what it really takes to grow as a leader over time and why employee commitment, engagement, and retention are shaped by the daily experience people have at work. Joe invites leaders to think more deeply about how learning, self-reflection, and relationships influence workplace culture, and why the role of the direct supervisor matters more than most organizations realize. Rather than offering shortcuts or surface-level tactics, this conversation focuses on the long view of leadership growth and the conditions that allow people to do their best work. If you want to create a workplace where people join, stay, care, and try, this episode offers grounded perspective on how better bosses are built. 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 #transformativeleadership #workplaceculture #companyculture #talentretention #employeeengagement #employeeretention #bossheroschool #employalty 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.
Is rent control destroying the housing market? In this seminar, we dive deep into why the current "CPI-based" rent increase formulas are a mathematical failure for income property owners. While policymakers use the Consumer Price Index (CPI) because it sounds "fair," it completely ignores the skyrocketing reality of operating rental housing in today's economy. We break down the "Perfect Storm" facing landlords: The Insurance Crisis: Major carriers like State Farm and Farmers are canceling policies, leaving owners with premium jumps of 50% or more. The Utility Gap: Water, sewer, and trash rates are rising by 10–20% while rent increases are capped at a fraction of that. The Construction Spike: Why it now costs 30–40% more to replace a roof, repair a foundation, or upgrade electrical systems for safety. Hidden Taxes: Local parcel taxes, RSO fees, and business license costs that CPI never captures. What You'll Learn: The Birkenfeld Legacy: How a 1976 landmark case established rent control but also guaranteed a "just and reasonable return"—a promise currently being broken. CPI vs. Reality: Why a "basket of goods" like bread and clothing doesn't reflect the cost of copper piping, HVAC labor, and property taxes. A New Formula: We propose a shift toward Cost-Based Rent Adjustments to ensure the long-term survival of our housing stock. #RealEstateInvesting #RentControl #LandlordRights #PropertyManagement #HousingCrisis #CPI #InsuranceCrisis #CaliforniaRealEstate #IncomeProperty
Keaton Ross reported on a settled dispute over Oklahoma's medical parole statute. Paul Monies looked into the Oklahoma State Department of Health and its policy in not sharing measles cases by county. On Dec. 30, Oklahoma County District Court Judge Amy Palumbo issued an important ruling in Attorney General Gentner Drummond's motion to intervene in cases involving State Farm. J.C. Hallman has been covering the story for weeks now. Ted Streuli Hosts.
Allen and Joel are joined by Nathan Davies from Lloyd Warwick to discuss the world of wind energy insurance. Topics include market cycles, the risks of insuring larger turbines, how critical spares can reduce downtime and costs, why lightning claims often end up with insurers rather than OEMs, and how AI may transform claims data analysis. Sign up now for Uptime Tech News, our weekly newsletter on all things wind technology. This episode is sponsored by Weather Guard Lightning Tech. Learn more about Weather Guard’s StrikeTape Wind Turbine LPS retrofit. Follow the show on YouTube, Linkedin and visit Weather Guard on the web. And subscribe to Rosemary’s “Engineering with Rosie” YouTube channel here. Have a question we can answer on the show? Email us! Welcome to Uptime Spotlight, shining light on wind. Energy’s brightest innovators. This is the Progress Powering tomorrow. Allen Hall: Nathan, welcome to the program. Thank you for having me. So you are, you’re our link to the insurance world, Nathan, and there’s been so many changes over the past 12, 24 months, uh, not just in the United States but worldwide. Before we get too deep into any one subject, can you just give us a top level like, Hey, this is what’s happening in the insurance world that we need to know. So there’s Nathan Davies: obviously a lot of scope, a lot of development, um, in the wind world. Um, you know, there’s the race to scale. Um, and from an insurance perspective, I think everybody’s pretty tentative about where that’s going. Um. You know, the, the theory that are we trying to [00:01:00] run before we can walk? Um, what’s gonna happen when these things inevitably go wrong? Uh, and what are the costs gonna be that are associated with that? ’cause, you know, at the moment we are used to, to claims on turbines that are circa five megawatts. But when we start seeing 15 megawatt turbines falling over. Yeah, it’s, it’s not gonna be a good day at the office. So, um, in the insurance world, that’s the big concern. Certainly from a win perspective at least. Joel Saxum: Well, I think it’s, it’s a valid, uh, I don’t know, valid bad, dream. Valid, valid risk to be worried about. Well, just simply because of like the, the way, uh, so I’ve been following or been a part of the, that side of the industry for a little while here the last five, six years. Um. You’ve seen The insurance world is young in renewables, to be honest with you. Right. Compared to a lot of other places that like say the Lord Lloyd’s market, they’ve been writing insurance for hundreds of years on certain [00:02:00] things that have, like, we kind of know, we know what the risks are. We, and if it develops something new, it’s not crazily new, but renewables and in wind in specific haven’t been around that long. And the early stuff was like, like you said, right? If a one megawatt turbine goes down, like. That sucks. Yeah. For everybody, right? But it’s not the end of the world. We can, we can make this thing happen. You’re talking, you know, you may have a, you know, your million, million and a half dollars here, $2 million here for a complete failure. And then the business interruption costs as a, you know, with a one megawatt producing machine isn’t, again, it’s not awesome, but it’s not like it, uh, it doesn’t break the books. Right. But then when we’re talking 3, 4, 5, 6. Seven megawatts. We just saw Siemens cesa sell the first of their seven megawatt onshore platforms the other day. Um, that is kind of changing the game and heightening the risk and makes things a little bit more worrisome, especially in light of, I mean, as we scaled just the last five, [00:03:00] 10 years, the amount of. Failures that have been happening. So if you look at that and you start expanding it, that, that, that hockey stick starts to grow. Nathan Davies: Yeah, yeah, of course. And you know, we, we all know that these things sort of happen in cycles, right? It’s, you go, I mean, in, in the insurance world, we go through soft markets. We go through hard markets, um, you know, deductibles come up, the, the clauses, the restrictions, all those things get tighter. Claims reduce. Um, and then you get sort of disruptors come into the market and they start bringing in, you know, challenging rates and they start challenging the big players on deductibles and preferential rates and stuff like that. And, and then you get a softening of the market, um, and then you start seeing the claims around up again. But when you twin that with the rate of development that we see in the renewables worlds, it’s, it’s fraught for all sorts of. Weird and wonderful things happening, and most of them are quite expensive. Joel Saxum: Where in that cycle are we, in [00:04:00] your opinion right now? So we, like when I first came into the market and I started dealing with insurance, it was very, we kept hearing hardening, market hardening, market hardening market. But not too long ago, I heard from someone else that was like, Hey, the market’s actually getting kind of soft right now. What are your thoughts on that? And, and or may, and maybe we let, let’s precursor that there’s a lot of people that are listening right now that don’t know the difference. What is a hard market? What is a soft market? Can you give us that first? Nathan Davies: When you’re going through a soft market, it’s, it’s a period where they’ve either been, um, a limited volume of claims or the claim values have been quite small. Um, so, you know, everybody gets. It’s almost like becoming complacent with it, right? It’s like, oh, you know, things are going pretty well. We’re having it. It looks like the operators, it looks like the maintainers are, are doing a pretty good job and they know all of the issues that are gonna be working through in the lifetime of these products. So for the next however many years, we can anticipate that things are gonna gonna go pretty well. But as you see those [00:05:00] deductibles come down, you start getting more of the attritional claims, like the smaller values, um, the smaller downtime periods, all that sort of thing, start coming in as claims. And all of a sudden insurers are like, well, hang on a second. All of a sudden we’ve got loads and loads of claims coming in. Um. All of the premium that we were taking as being bled dry by, by these, these attritional claim. Um, and then you get like a big claim coming. You get a major issue come through, whether it’s, you know, a, a serial issue with a gearbox or a generator or a specific blade manufacturer, and all of a sudden the market starts to change. Um, and insurers are like, well, hang on a second. We’ve got a major problem on our hands here. We’re starting to see more of this, this specific piece of technology being rolled out, um, worldwide. Um, we are in for a lot of potential claims on this specific matter in the future, and therefore we need to protect ourselves. And the way that insurers do that is by [00:06:00] increasing or deductibles, um, increasing their premiums, all that sort of thing. So it’s basically that. Uh, raises the threshold at which a claim can be presented and therefore minimizes the, the outlay for insurers. So that’s sort of this, this cycle that we see. Um, I mean, I can’t, I’ve, I’ve only been in loss adjusting for six years, so I can’t say that I’ve seen, you know, um, multiple cycles. I’ve, I’m probably at the end of my first cycle from a hardening to a softening market. Um. But also, again, I’m not in the underwriting side of things. I’m on the claims side of things, so I own, I’m only seeing it when it’s gone wrong. I don’t know about everything else that the insurance market sees. Joel Saxum: Yeah, the, the softening part, I think as well from a macro perspective, when there’s a softening market, it tends to bring in more capital. Right. You start to see more, more and more companies coming in saying, Hey, I’ve got, [00:07:00] and when I say companies, I mean other capital holders to beat for insurance, right? Like these, the big ones you see, the big Swiss and German guys come in and going, like, I got, I got $500 million I’ll throw into renewables. It seems like to be a good, pretty good bet right now. And then the market starts to change and then they go, uh, oops. Yeah. Nathan Davies: And that’s it. You know, you’ve got the, the StoreWatch of the renewable insurance market like your G cubes and, and companies like that who’ve been in the game for a very long time. They’ve got a lot of experience. They’ve been burned. Um, they know what they want to touch and what they don’t want to touch. And then you get. Renewables, everybody wants to be involved. It covers their ESG targets. It’s, it’s a good look to move away from, you know, your, your oil and your coal and all the rest of it. So, of course, companies are gonna come into it. Um, and if they’re not experienced. Allen Hall: They will get banned. How much reliance do operators have at the moment on insurance? Because it does seem like, uh, Joel and I talk [00:08:00]to a lot of operators that insurance is part of their annual revenue. They depend upon getting paid a certain amount, which then opens up the door to how sort of nitpicky I’ll describe it as the claim. They’ll file. Are you seeing more and more of that as, uh, some of the operators are struggling for cash flow, that there are going after more kind of questionable claims? Um, I think it depends on Nathan Davies: the size of the operator. So you’ve, you’ve obviously got your, your big players, you’ve got your alls and your rws and all of those sort of guys who, the way that they manage their insurance, they’ve probably got, you know, special purpose vehicles. They’ve got, um, sites or clusters of sites that they manage finances independently. They don’t just have the one big or pot. It’s, it’s, it’s managed sort of subdivisions. Um. Those, those guys, we don’t typically tend to see like a big push for a [00:09:00] payment on account partway through a claim. It’s, it’s typically sort of the smaller end of the scale where you might have, um, an operator that manages a handful of smaller, um, assets. The way that we look at it is if you don’t ask, you don’t get, so when we talk to an insured, it’s like. Present your costs, you know, we’ll review them and it’s, it’s better that you present all of your costs and insurers turn around and say, you’re not eligible for this. You know, that that element of it will be adjusted, um, rather than not present something. And it’s like, well, you know, your, your broker then comes further down the line when they say you could have claimed that element of, of the cost. So, um. Typically that’s the approach that we take is, is present everything and we’ll work through and let you know which elements aren’t claimable. Joel Saxum: When we’re talking insurance policies, there can be, you know, like an operator, an owner of a turbine asset can have them. Then there is construction policies and [00:10:00] there’s the EPC company might have a policy and ISP may have a policy. So, so many policies because at the end of the day, everybody’s trying to protect themselves. Like, we’re trying to protect the bottom line. Tr that’s what insurance us for, that’s why we’re here. Um, but so, so, so, so gimme a couple things. Like in your opinion as, let’s look, well, I wanna stay in the operator camp right now, say, during a non non-commission policy, a actual operating policy, wind farm is in the ground, we’re moving along. What are some of the things that, from an, from a loss adjuster’s perspective, that a operator should be doing to protect themselves? I mean, besides. Signing an insurance contract. Yes. But is it, is it good record keeping? Is it having spares on site? Is it, what does that look like from your perspective when you walk into something, Nathan Davies: if you were to take the insurer’s dream operator, that would be somebody who, and you, you’ve kind of hit the nail on the head with a lot of those points, Joel, the, the. The golden [00:11:00] operator would have like a stash of critical spares because the last thing they want to be relying on is, um, an OEM who, you know, they, they’ve, they’ve stopped manufacturing that bit of kit three years ago. They now want to sell you the latest and greatest. It’s 18 months lead time or something like that. Oh yeah, absolutely. And so you are now having to look at potentially refurbishment through. Whether that’s through sort of approved, um, processes or not. Um, you might be looking at, um, sort of, um, aftermarket providers. You know, there, there’s, as soon as you are looking at an aged asset, you are, you are in a really complicated position in terms of your repairability. Um, because, you know, a as we know, you get to sort of that three, five year period after you’ve purchased the product, you’re in real jeopardy of whether or not it’s gonna be. Gonna have that continued support from the original equipment manufacturer. So [00:12:00] critical spares is a really good thing to, it’s, it’s just obviously a really good thing to have. Um, and how you can manage that as well is if you have, um, a customer of sites that are all using the, the same equipment, you could sort of share that between you. There, there could be. Um, so we, we’ve sinned that where, um. An umbrella company has multiple sites, multiple SPVs. Um, they were all constructed at the same sort of time. They’ve got the same transformers, you know, the same switchgear, same infrastructure, and they hold a set of spares that cover these, all these sites. ’cause the last thing you want to do is buy a load of individual components for one site. You are then paying to maintain them, to store them to, you know, there’s, there’s a lot of costs that come with. Along with that, that you, you don’t wanna be covering. If that’s just for the one site and it’s the [00:13:00] eventualities, that may never happen. So if you’ve got multiple sites and you can spread those costs, all of a sudden it’s a lot more, um. Could Joel Saxum: you see a reality where insurers did that? Right? Where like a, like a, like a consortium of insurance companies gets together and buys, uh, half a dozen sets of blades and generators and stuff that they know are failures that come up, or they have a pool to pull from themselves to, to avoid these massive bi claims. Nathan Davies: Yeah. I mean maybe there’s, maybe there’s the potential for a renewables pool. I mean, it’s always. Complicated. As soon as you start trying to bring sort of multiple companies together with an agreement of that sort of scale, it’s gonna be challenging. But, um, I mean, yeah, in an ideal world, that would be be a great place to be. Um, so critical spares is, that’s, that’s a key thing we, we have seen. So we, we’ve got, um, one account that we work with that they’ve actually got a warehouse full of critical spares. [00:14:00] So they, they have a lot of, um, older turbine models, um, sort of typically, um, 2015 through to, well, yeah, from about 2012 to 2015. Um, these sites were commissioned so they knew there was a, a finite lifetime, uh, replacement blades, generators, gear, boxes, what have you, and it’s like we’ve. A huge number of assets. So what we should do is retain certainly a number of gearboxes and generators that you, we can utilize across, um, the fleet. And obviously they then keep a rolling stock of refurbishment and repairs on those. But they, they basically included in their, their premium spreadsheet, they’ve got all of their individual sites. Then they’ve got a warehouse that is full of all their spares, and that is an inuring asset, is their warehouse full of critical spares. Joel Saxum: So what Nathan Davies: happens to Joel Saxum: that Nathan Davies: person then? Does Joel Saxum: their premiums go [00:15:00] down? Because they have those spares, they’ve got really low deductibles on their bi. So there’s a business case for it probably, right? Like if you’re sitting there, if you’re, if you’re, you’re an accountant, you can figure that out and say like, if we hold these spares for this fleet, like if you’re, if you’re a fleet, if you have a homogenous fleet, say you’ve got a thousand turbines that are basically all the same model. W you should have centrally located amongst those wind farms, a couple of blade sets, a couple of generators, couple of pitch bearings, couple of this, couple of that. And you can use them operationally if you need to, but it’s there as spares, uh, for insurance cases. ’cause you’ll be able to re reduce your insurance premiums or your insurance deductibles. Allen Hall: That’s remarkable. I don’t know a lot of operators in, at least in the United States that have done that, I’m thinking more of like Australia where it’s hard to get. Parts, uh, you, you probably do have a little bit of a warehouse situation. That’s really interesting because I, I know a lot of operators are thinking about trying to reduce their premiums and simple things like that would, I would imagine it make a huge difference [00:16:00] in what they’re paying each year and that that’s a smart move. I, I wanna ask about the IEC and the role of certification in premiums. What does it mean and how do you look at it as an industry? Uh, one of the things that’s happening right now is there’s a number of, I think some of the major IEC documents in, in our world, in the lightning world are going through revision. Does that, how do, how do you assess that risk that the IEC specs or the sort of the gold standard and you have the certification bodies that are using them to show that the turbines are fit for purpose. Is there a reliance upon them? Does, does it help reduce premiums if there’s an I-E-C-I-I, I’m not even sure how the industry, the insurance industry looks at it. Or is it more of how the turbines perform in the first year or two, is how, what’s gonna really gonna drive the premium numbers? I mean, insofar as Nathan Davies: I eecs, it’s, that’s a really tough question. It’s, it’s [00:17:00]interesting that you ask that. ’cause um, I mean certainly from the lightning perspective, the, the IEC. We look at on that the blades need to withstand a lightning strike of a known value, but even within that, they, within the IEC, there’s an allowance of like 2%, I think, um, for blade strikes that can still cause damage even if they’re within the rate of capacity of the LPS. Um, so in the insurance world, this is a big gray area because each, um, operator has a, a turbine, uh, has a blade failure because of a lightning strike. They’ll then immediately go to the OEM and say, um, you know, we’ve had had a lightning strike, we’ve had a blade failure. Can you come and repair or replace the blade? Sure, no bother. Um, down the line, we have an insurance claim for this repair or replacement. And insurers are like, well, what’s the lightning data? And if that’s within the [00:18:00] LPS standard, it’s like, well, why have. Why is this not covered under warranty? And, you know, you, your OEMs will always turn around and say, force majeure. Um, it’s, it’s that 2%. So the IEC, even though that’s, you know, it’s, it’s best standards, it still has a degree of allowance that, um, the OEMs can slip through and be like, well this, this falls with insurance. And again, I can only speak for what I’ve seen, but that is. We see, I’d say, um, Lloyd Warwick, we probably see 50 plus notifications a year for blade damage from lightning and, um, almost every time if it’s within the capabilities of the LPX, the OEM or say towards majeure and Atlanta with insurers. Allen Hall: Well, is there a force majeure for gearboxes or generators or transformers? [00:19:00] Is, is there a 2% rule for transformers? I don’t, I don’t think so. Maybe there is, but it is, it, it is a little odd, right, that, that there’s so many things that are happening in the insurance world that rely upon the certification of the turbine and the sort of the expected rates of failure. I have not seen an operator go back and say, we have a 3% rate of, of damage of my transformers, so therefore I wanna file a claim. But that, that doesn’t seem to occur nearly as often as on the lightning side where it’s force majeure is used probably daily, worldwide. How do we think about that? How do we, how do we think about the transformer that fails versus the lightning damage? Are they just considered just two separate things and uncontrollable? Is that how the insurance industry looks at it? If we, if we would Nathan Davies: talk about transformers. So the fact is that we see on those can vary from, you know, it’s, it’s a minor electrical component that that goes, um, [00:20:00] which is relatively easy to pin down. But then at the other end of the spectrum, you’ve got a fire where it’s. You know, with all, all the will in the world, you could go in and investigate, but you’re not gonna find the cause of that fire. Um, you know, the damage is so great that you, you could probably say, well, the ignition point is there because that’s where the most damages occurred and it’s spread out. But, but how is that occurred? The know, and we, we do have that, that happens not frequently, but um. You know, as an engineer, I, I want to get to the bottom of what’s caused things, but, but all too often we come away from a claim where it’s like we don’t know exactly what’s caused it, but we can’t confirm that it’s excluded in the policy and therefore it, it must be covered and, you know, the claim is valid. Um, so in, in terms of causation and the standards and all the rest of it. Joel Saxum: It goes to an extent. So this is a, this is another [00:21:00] one. So Alan was talking about lightning and blades. Then we talked about transformers a little bit. I wanna talk about gear boxes for just a second, because gearbox usually, um, in, in my, my experience in, in the wind world, claims wise, it’s pretty black and white. Was it, did it, did it fail? This is how it failed. Okay. Blah, blah, blah. Did was maintenance done at blah? So I heard the other day from someone who was talking about, uh, using CMS. On their, on their gener, on their, uh, gearbox, sorry. So it was an operator said, Hey, we should be, and, and a company coming to them saying, well, you should be monitoring CMS. This is all the good things it can do for you operationally. And the operator, the owner of the turbine said, I don’t want it, because if I know there’s something wrong, then I can’t claim it on insurance if it fails. Does that ring Nathan Davies: true to you? Part of our process would be to look at the data. Um, so we know nine times out of 10 there is condition [00:22:00] monitoring, there is start out there, there, all this stuff. The operator, um, assistance tools, and if we can look at a gearbox vibration trend. Um, along with, you know, bearing temperature, uh, monitoring and all that sort of thing. And if you can see a trend where the vibrations are increasing, the temperatures are increasing, um, and there’s no operator maintain maintenance intervention, then, you know, if, if you, if you’ve received an alarm to say, Hey, there’s something wrong with me, you should probably come and have a look and you’ve done nothing about it, then. It’s, Joel Saxum: it’s not great. Okay. So, so that, so that it rings, it kind of in a sense, rings true, right? That what that operator was saying, like the way their mind was working at that stage. ’cause this is, this is during, again, like, so we, Alan and I from the uptime network and just who we are, like we know a ton of people, we know [00:23:00] solutions that are being sold and, and this her about this. And I was like, man, that seems like really shortsighted, but there’s a reality to it that kind of makes sense, right? If they don’t have. I, it, it just seems unethical, right? It seems like if I don’t have the budget to fix this and I don’t wanna look at it, so I’m just waiting for it to fail. I don’t want the notifications so then I can claim it on insurance. ’cause I don’t wanna spend the money to go fix it. Like, seems, seems not cool. Nathan Davies: Yeah. So the, I mean the, the process, the process of the insurance claim, if, if you want to look at it in almost an over simplistic way, um, a claim is notified. Um, to trigger an operational policy, there needs to be proof of damage, right? So in this instance, your gearbox has failed, whether that’s gear, teeth have have been pulled off, you’ve had a major bearing failure, whatever it is. So there’s your damage. So insurers are now [00:24:00] engaged. Um, the rules of the game. It’s now on insurers to prove that whatever has caused that damage is an exclusion. So in this instance, um, you know, that might be wear and tear, gradual deterioration, uh, could be rust. Um, and, and part of that is poor workmanship. Um, so if they have knowingly like. Cover their shut, their eyes covered, their ears just ignored this gearbox slowly crunching its way to, its, its inevitable death. You know, it, it’s not reasonably unforeseen. It’s not an unpredictable event. This was going to happen if you can see that, that trend, um, towards the failure, um, and in that light, it would, in theory be an uninsured event. Um, but [00:25:00] we know that. 90 plus percent of owner operators have, at least on their drive train, they have some sort of condition monitoring, whether that’s, you know, temperature sensors, vibration sensors, uh, noise sensors, you know, all that sort of stuff. We know that it’s there, but what’s really interesting in the claims process is. The first thing that we’ll ask is, where’s your proof of damage? Let’s see your alarm data, your scarda data, all this sort of thing. Joel Saxum: Does the RFI get responded to? Nathan Davies: Yeah, yeah, yeah. Um, and it’s like, oh no, we, you know, we don’t have the SCARDA data. And we’ve had instances where a company, a company had turned around and said, oh, we don’t have any SCARDA data for the time of this event. It’s like, oh, that’s interesting. And worked our way through the process. And eventually insurers were like, you know what? We’re, we’re gonna deny this one. We’re not. Things aren’t adding up, we are not happy with it. Um, and all of a sudden out the woodwork, we get scar data, we get the, the insured’s, um, failure report, [00:26:00] which I mean, there was computational flow dynamics. There were, there were like all sorts of weird and wonderful data that had been thrown into the, this failure analysis. And it’s like, well, you’ve done our jobs for us. Why did you not just hand this over at the beginning? We know that this stuff exists, so. Just, just playing, playing dumb itch. It’s just a frustration really. Allen Hall: It does seem like the operators think of loss adjustment in insurance companies as having a warehouse full of actuaries with mechanical calculators and they’re back there punching numbers in and doing these calculations on. I lost this gearbox from this manufacturer at, at this timeframe, and, and I understand all this data. That’s not how it works, but I do think there’s this, uh, assumption that that. Uh, there’s a in wind energy that because of the scale of it, there’s a lot of, of backend research that’s happening. I, I don’t think that’s true, or, I mean, you can tell me if it’s true or not, [00:27:00] but I don’t think so. But now, in the world of AI where I can start to accumulate large sets of data and I have the ability to process it with just a single person sitting in front of a laptop, is it gonna get a little harder for some of these claims that have Mercury, just really shady histories to get? Approved. Nathan Davies: I, I think that’s inevitable. You know, whenever we go and speak to an insurer, you know, insurers are always interested, are interested in what’s the latest claims data, what are the trends that we’re seeing, all this sort of thing. So we’ll sit down with them for an hour and a half and we’ll say, oh, this was interesting. This is what went well, this is what didn’t go so well. And then they always sort of grab us just as we’re about to leave and we’ve, we’ve said our goodbyes, and they’re like, so you guys have a. Claims database. Right? Every time. Yep. And it’s like, how’d you feel about, about sharing your data? And it’s, it’s every insurer without failure. They’re like, let’s see your claims [00:28:00] database. Okay. Right. So we can share, we can share some information. Obviously it needs to be sanitized. We don’t want to provide identifying information, all that sort of stuff. You’re looking at thousands and thousands of lines of data. And the big problem that we have with any database like this is, it’s only as good as the data that’s been entered, right? So if, if every claims handler, if every loss adjuster is entering their own data into this database, my interpretation of, of a root cause failure, maybe different to somebody else’s. So what we are gonna start seeing in the next year to three years. Is the application of AI to these databases, to to sort of finesse the poor quality data that’s been entered by multiple, you know, it’s, it’s too many cooks. Spoiled broth. All of these people have entered their own interpretation of data, will start to see AI finesse [00:29:00] that, and all of a sudden the output of it will be. Really, really powerful, much better risk models. Yeah. And I think that’s, that’s inevitable in the next two to five years. Um, and I think insurers will, but again, the, we go back to the cyclic thing. So the, the data that we have is the claims that we’ve had over the past however many years, but all the while that the OEMs are manufacturing. New gearboxes, new generators, new blades. We don’t know about the problems that are gonna come out the woodwork. We can tell you about failures that might happen on aged assets, but we can’t tell you about what’s gonna fail in the future. Allen Hall: Well, is there an appetite to do what the automobile world is doing on the automobile insurance? Have basically a plugin to monitor how the driver is doing the State Farm drive safe and [00:30:00] save. Yeah. Your little black box is, is that where eventually this all goes? Is that every turbine’s gonna have a little black box for the insurance company to monitor the asset on some large scale, but then that allows you then to basically to assess properly what the rates should be based on the actual. Data coming from the actual turbines so that you, you can get a better view of what’s happening. Nathan Davies: I mean, it’s challenging because obviously you can only get so much from, from that monitoring data. So arguably that’s, that’s like the scarda data. But then there’s, there’s the multiple other inputs that we’re looking at. I’d say the vast majority of claims come from some form of human intervention. And how do you record that? Human intervention. Allen Hall: Right? You, it’s like getting an oil change in your car. If the guy forgets to put the oil plug in. Pretty much you’re, you’re gonna get a mount down the road and engine’s gone. [00:31:00] And that’s, that may be the, that may be ultimately where this all goes. Is that a lot of it’s just human error. Nathan Davies: Yeah. It’s, you know, we, we can take the, the operating data, you can start to finesse maintenance reports and, and try to plug that into this data stream. But you can guarantee, like you can absolutely bet your bottom dollar, but when there’s an insurance claim and it’s like. That one key document that you need that will answer that question, nobody knows Allen Hall: where it is. This has been a great discussion and Nathan, we need to have you back on because you provide such great insights as to what’s happening in the insurance world and and the broader wind energy world and. That’s where I like talking to you so much. Nathan, how do people get a hold of you? Can they reach you via LinkedIn? Nathan Davies: Yeah, I’m on LinkedIn. Um, you can also find me, um, on the Lloyd Warwick website. Sounds great. Allen Hall: Nathan, thank you so much for being on Nathan Davies: the podcast. Right. Appreciate it. Thank you so much [00:32:00] guys.
Most resolutions don't survive the first few weeks of the year. In this episode, Hall of Fame keynote speaker Joe Mull, CSP, CPAE, challenges common thinking about New Year's resolutions and explores a more sustainable approach to leadership growth that supports employee engagement, workplace culture, and long-term effectiveness. Joe reflects on why meaningful leadership improvement rarely comes from big declarations, and how intentional practices and support systems shape leaders who are more consistent, resilient, and impactful over time. He also touches on the connection between personal sustainability and the experience employees have at work. If you want to start the year with greater clarity, stronger leadership habits, and momentum that lasts beyond January, this episode offers thoughtful perspective without the hype. 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 #transformativeleadership #workplaceculture #companyculture #talentretention #employeeengagement #employeeretention #bossheroschool #employalty 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.
In this episode of Best in Fest, host Leslie LaPage sits down with Lauren Reins — director, producer, choreographer, and Enneagram coach — to explore how self-awareness fuels creativity and why understanding your inner motivations may be the key to creating meaningful, sustainable work.Lauren shares her journey from professional dancer to educator and filmmaker, and how a life-altering accident led her to psychology, coaching, and ultimately the Enneagram, a nine-type personality framework now central to her new dance-driven docuseries.In this episode, we discuss:
Jake from Statefarm is tired of selling insurance and wants to Beat Migs instead! Tune in to play along with him!
[video available on spotify] happy new year everyone! how is it already 2026? time feels like it moves faster every year, but i don't want to talk about that because i'm not in the mood to have an existential crisis on camera. so instead, let's discuss what i think is going to be in and what i think is going to be out in 2026. Learn more about Venmo Stash, visit http://www.venmo.com/stash-rewards. This episode is sponsored by State Farm®. Like a good neighbor, State Farm is there.® Learn more about your ad choices. Visit podcastchoices.com/adchoices
The Ringer's Bill Simmons is joined by Rob Mahoney to discuss Jokic's injury, the Clippers' resurgence, and more before jumping into an NBA mailbag to answer some questions (3:15). Host: Bill Simmons Guest: Rob Mahoney Producers: Chia Hao Tat, Isaiah Blakely, and Eduardo Ocampo This episode is sponsored by State Farm®. Don't settle for just any insurance when there's State Farm. The Ringer is committed to responsible gaming. Please visit www.rg-help.com to learn more about the resources and helplines available. Learn more about your ad choices. Visit podcastchoices.com/adchoices
The end of the year is one of the most important leadership moments you'll have. In this episode of Boss Better Now, Hall of Fame keynote speaker Joe Mull, CSP, CPAE, shares how leaders can use the transition between years to reset expectations, strengthen workplace culture, and build momentum for employee engagement in the year ahead. He explains why year-end communication matters so much—and how both words and actions shape how teams show up after a long season of work. Joe explores how acknowledging impact, reinforcing purpose, and offering credible hope can increase employee commitment and trust, while misalignment between messaging and experience can quietly undermine morale. He also addresses the limits of motivation when teams are exhausted, and why burnout requires more than a culture speech to fix. If you want to help your team start the new year feeling seen, supported, and motivated to care and try, this episode offers practical leadership insight you can apply right away. 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 #transformativeleadership #workplaceculture #companyculture #talentretention #employeeengagement #employeeretention #bossheroschool #employalty 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.
The Ringer's Bill Simmons is joined by Cousin Sal right after the 49ers take down the Bears on Sunday night to recap Week 17 of the NFL season (2:35). Then, they guess the lines for Week 18 before ending with Parent Corner (01:03:09). Host: Bill Simmons Guest: Cousin Sal Producers: Chia Hao Tat and Eduardo Ocampo Learn more at https://linkedin.com/simmonsbill This episode is sponsored by State Farm®. Don't settle for just any insurance when there's State Farm. The Ringer is committed to responsible gaming. Please visit www.rg-help.com to learn more about the resources and helplines available. Learn more about your ad choices. Visit podcastchoices.com/adchoices
Mark Jackson sits down with Rich Kleiman to reflect on the history and spotlight of NBA games on Christmas as a player, a coach, and a fan in a very special conversation, presented by State Farm®. Jackson discusses the commitment it takes as a player to weather the holidays and the sacrifice everyone on the business side makes in forgoing family for hoops on Christmas Day. He explains why Patrick Ewing stands alone as the greatest Knick of all time, breaking down leadership, toughness, and what Ewing represented to New York basketball. Jackson also revisits his time coaching the Golden State Warriors, including insights into Stephen Curry's growth, mindset, and what made those Warriors teams special. He opens up about Rick Pitino and why he remains the most influential and respected coach of his career. Throughout the interview, Jackson connects eras of the game, blending history with the modern evolution of basketball. He offers a candid, legacy-driven look at basketball through the eyes of someone who has lived it as a player, coach, and voice of the sport.
The Ringer's Bill Simmons is joined by Tim Legler to check in on teams around the NBA before discussing the players that are better than you think, how the Celtics are similar to last season's Pacers, and more (3:17). Then, Joe House joins to make their Ringer 107 picks for the week (01:37:03). Host: Bill Simmons Guests: Tim Legler and Joe House Producers: Chia Hao Tat and Eduardo Ocampo This episode is sponsored by State Farm®. Don't settle for just any insurance when there's State Farm. The Ringer is committed to responsible gaming. Please visit www.rg-help.com to learn more about the resources and helplines available. Learn more about your ad choices. Visit podcastchoices.com/adchoices
The Ringer's Bill Simmons, Chris Ryan, and Van Lathan revisit one of the best movies of 2025, Joseph Kosinski's ‘F1,' starring Brad Pitt, Kerry Condon, Damson Idris, and Javier Bardem. Producers: Craig Horlbeck, Chia Hao Tat, and Eduardo Ocampo A State Farm agent can help you choose the coverage you need. Like a good neighbor, State Farm is there.®Through the Subaru Share the Love® Event, Subaru and our retailers donate to charity for every new vehicle purchased or leased. Learn more about the charities Subaru and our retailers support at https://Subaru.com/share. Learn more about your ad choices. Visit podcastchoices.com/adchoices
The Ringer's Bill Simmons is joined by Cousin Sal right after Drake Maye and the Patriots take down the Ravens to recap Week 16 of the NFL season (2:15). Then, they Guess the Lines for Week 17 and react to the Anthony Joshua vs. Jake Paul fight before ending with Parent Corner (58:31). Host: Bill Simmons Guest: Cousin Sal Producers: Chia Hao Tat and Eduardo Ocampo Michelob ULTRA Courtside could get you closer to the game! michelobultra.com/courtside ENJOY RESPONSIBLY © 2025 ANHEUSER-BUSCH, MICHELOB ULTRA® LIGHT BEER, ST. LOUIS, MO. This episode is sponsored by State Farm®. Don't settle for just any insurance when there's State Farm. The Ringer is committed to responsible gaming. Please visit www.rg-help.com to learn more about the resources and helplines available. Learn more about your ad choices. Visit podcastchoices.com/adchoices
The Ringer's Bill Simmons is joined by Peter Schrager to react to the wild 'TNF' game between the Seahawks and Rams that went to OT before making their Ringer 107 picks for the week (2:00). Then, Bill cracks open a six-pack of buzz-worthy NBA topics including the Clippers, the Christmas matchups, and more! (58:14) Host: Bill Simmons Guest: Peter Schrager Producers: Chia Hao Tat and Eduardo Ocampo Learn more at https://linkedin.com/simmonsbill This episode is sponsored by State Farm®. Don't settle for just any insurance when there's State Farm. The Ringer is committed to responsible gaming. Please visit www.rg-help.com to learn more about the resources and helplines available. Learn more about your ad choices. Visit podcastchoices.com/adchoices
[video available on spotify] i have a little crush right now. and while this crush is really not that serious, it was a wake-up call to realize i can't even make eye contact with this guy. i want to get comfortable with talking to boys. so today, we're gonna test my baseline flirting ability, and learn how to flirt. Learn more about Venmo Stash, visit http://www.venmo.com/stash-rewards This episode is sponsored by State Farm®. Like a good neighbor, State Farm is there.® Learn more about your ad choices. Visit podcastchoices.com/adchoices
Bill and Chris honor Rob Reiner by revisiting one of their favorite '80s movies, ‘The Sure Thing,' starring John Cusack and Daphne Zuniga and directed by Rob Reiner. Producers: Craig Horlbeck, Chia Hao Tat, and Eduardo Ocampo 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
The Ringer's Bill Simmons is joined by Zach Lowe to react to the Knicks winning the NBA Cup against the Spurs (3:02). Then, they discuss the "Whaddya do?" NBA teams around the league (27:27). Finally, Todd McShay joins to break down Bill's NFL QB pyramid before discussing the teams that need a QB in the draft and much more (01:04:54). Host: Bill Simmons Guests: Zach Lowe and Todd McShay Producers: Chia Hao Tat and Eduardo Ocampo This episode is brought to you by Alexa+. Our smartest, most proactive AI assistant yet. https://Amazon.com/NewAlexa This episode is sponsored by State Farm®. Don't settle for just any insurance when there's State Farm. The Ringer is committed to responsible gaming. Please visit www.rg-help.com to learn more about the resources and helplines available. Learn more about your ad choices. Visit podcastchoices.com/adchoices
We're drafting again! Sean and Amanda are joined by Chris Ryan to discuss who they were in 2022 and draft the best movies from that year. Hosts: Sean Fennessey and Amanda Dobbins Guest: Chris Ryan Producer: Jack Sanders Shopping. Streaming. Celebrating. It's on Prime. 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
What came first, the music or the misery? The Ringer's Bill Simmons, Chris Ryan, Joanna Robinson, and Rob Mahoney pick up a shift at Championship Vinyl to revisit ‘High Fidelity,' starring John Cusack, Jack Black, Lisa Bonet, Iben Hjejle, and Todd Louiso. Producers: Craig Horlbeck, Chia Hao Tat, Eduardo Ocampo, and Chris Thomas 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
The Ringer's Bill Simmons is joined by Cousin Sal right after the Vikings take down the Cowboys to recap an eventful Week 15 (6:40). Then, they guess the lines for Week 16 before ending with Parent Corner (01:07:56). Host: Bill Simmons Guest: Cousin Sal Producers: Chia Hao Tat and Jessie Lopez Michelob ULTRA Courtside could get you closer to the game! michelobultra.com/courtside This episode is sponsored by State Farm®. Don't settle for just any insurance when there's State Farm. The Ringer is committed to responsible gaming. Please visit www.rg-help.com to learn more about the resources and helplines available. Learn more about your ad choices. Visit podcastchoices.com/adchoices
The Ringer's Bill Simmons is joined by Nick Wright to discuss SGA's greatness and whether anybody can stop OKC this season (2:56). Then, they talk about the struggling Chiefs, Lamar Jackson, and more! (37:39). Finally, Joe House joins to make their Ringer 107 picks for the week (01:20:22). Host: Bill Simmons Guests: Nick Wright and Joe House Producers: Chia Hao Tat and Brian Waters This episode is brought to you by Alexa+. Our smartest, most proactive AI assistant yet. https://Amazon.com/NewAlexa This episode is sponsored by State Farm®. Don't settle for just any insurance when there's State Farm. The Ringer is committed to responsible gaming. Please visit www.rg-help.com to learn more about the resources and helplines available. Learn more about your ad choices. Visit podcastchoices.com/adchoices
Sean and Amanda are joined by Joanna Robinson on today's show to cover Chloe Zhao's adaptation of ‘Hamnet,' starring Jessie Buckley and Paul Mescal. They unpack their complicated feelings by highlighting the film's incredible emotional power, and also criticize aspects they found totally confounding (12:28). Next, they briefly discuss Kleber Mendonça Filho's ‘The Secret Agent' and celebrate Wagner Moura's wonderful performance at the center of the film (48:46). Then, they share their individual top 10 favorite performances of 2025 (55:47). Finally, Sean is joined by Mendonça Filho to explain how some fiction work can discover even more truth than documentary, his thought process behind utilizing split diopter shots, and why he wrote the lead role of the movie specifically for Moura (1:45:46). Hosts: Sean Fennessey and Amanda Dobbins Guests: Kleber Mendonça Filho and Joanna Robinson Producer: Jack Sanders Shopping. Streaming. Celebrating. It's on Prime. 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
The Ringer's Bill Simmons is joined by Rob Mahoney to discuss all the NBA teams in a power poll before talking about their favorite TV shows of the year (2:54). Host: Bill Simmons Guest: Rob Mahoney Producers: Chia Hao Tat and Eduardo Ocampo Get Gameday Deals all season long only on Uber Eats. Order Now. This episode is sponsored by State Farm®. Don't settle for just any insurance when there's State Farm. The Ringer is committed to responsible gaming. Please visit www.rg-help.com to learn more about the resources and helplines available. Learn more about your ad choices. Visit podcastchoices.com/adchoices
The Ringer's Bill Simmons and Sean Fennessey are joined by writer-director Cameron Crowe to discuss one of his favorite movies, ‘Shampoo,' starring Warren Beatty, Julie Christie, Jack Warden, and Goldie Hawn. Producers: Craig Horlbeck, Chia Hao Tat, and Eduardo Ocampo 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
The Ringer's Bill Simmons is joined by Cousin Sal right after the Texans take down the Chiefs to discuss the Chiefs' slim playoff chances, and to recap Week 14 of the NFL season (3:34). Then, they guess the lines for Week 15 before ending with Parent Corner (57:36). Host: Bill Simmons Guest: Cousin Sal Producers: Chia Hao Tat and Eduardo Ocampo Michelob ULTRA Courtside could get you closer to the game! michelobultra.com/courtside This episode is sponsored by State Farm®. Don't settle for just any insurance when there's State Farm. The Ringer is committed to responsible gaming. Please visit www.rg-help.com to learn more about the resources and helplines available. Learn more about your ad choices. Visit podcastchoices.com/adchoices
The Ringer's Bill Simmons is joined by Joe House to crack open a six-pack of NBA opinions before making their Ringer 107 picks (5:01). Then, Matt Belloni joins to talk about the impending Warner Bros. Discovery sale (01:08:26). Finally, John Cena joins the show to discuss his decision to walk away from WWE, getting his first drink with The Undertaker, and much more! (01:42:52) Host: Bill Simmons Guests: Joe House, Matt Belloni, and John Cena Producers: Chia Hao Tat, Eduardo Ocampo, and Kevin Cureghian Get Gameday Deals all season long only on Uber Eats. Order Now. This episode is sponsored by State Farm®. Don't settle for just any insurance when there's State Farm. The Ringer is committed to responsible gaming. Please visit www.rg-help.com to learn more about the resources and helplines available. Learn more about your ad choices. Visit podcastchoices.com/adchoices
The Ringer's Bill Simmons is joined by Max Kellerman to talk about the struggling Clippers and Anthony Davis (3:20). Then, they give Giannis trade advice before discussing the topics Max just missed talking about (40:33). Finally, they talk about life after ‘First Take', boxing, and much more! (01:51:13). Host: Bill Simmons Guest: Max Kellerman Producers: Chia Hao Tat and Eduardo Ocampo Get Gameday Deals all season long only on Uber Eats. Order Now. This episode is sponsored by State Farm®. Don't settle for just any insurance when there's State Farm. The Ringer is committed to responsible gaming. Please visit www.rg-help.com to learn more about the resources and helplines available. Learn more about your ad choices. Visit podcastchoices.com/adchoices
The Ringer's Bill Simmons is joined by Cousin Sal right after the Broncos' OT win against the Commanders to recap Week 13 of the NFL season (2:45). Then, they discuss the teams with the most depressed fan bases before guessing the lines and Parent Corner (25:14). Finally, Todd McShay and Van Lathan joins the pod to react to Lane Kiffin leaving Ole Miss to coach at LSU (01:24:45). Host: Bill Simmons Guests: Cousin Sal, Todd McShay, and Van Lathan Producers: Chia Hao Tat and Eduardo Ocampo Michelob ULTRA Courtside could get you closer to the game! michelobultra.com/courtside This episode is sponsored by State Farm®. Don't settle for just any insurance when there's State Farm. The Ringer is committed to responsible gaming. Please visit www.rg-help.com to learn more about the resources and helplines available. Learn more about your ad choices. Visit podcastchoices.com/adchoices
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