Podcasts about Suzu

Good lord it's a monster! Rob and Matt are back chatting for nearly 3 and a half hours to talk about everything come out of four shows this week. From Mina's final Korakuen appearance, to Saori and Tam slapping the taste out of each other's mouths, from Suzu's defection, to Mayu's child abduction, from All-Star Grand Queendom's stacked card, to Kid and Poi's returns, strap in for an XL edition of the Stardom Cast! Patreon Schedule: Monday (Free Feed): The Marigold Standard #40 Bitesize Review & The Marigold Standard #41 Tuesday: Alternate Commentary – Nanae Takahashi vs. Momo Watanabe Wednesday: What If? – AZM Won the Cinderella Tournament Friday (Free Feed): The Stardom Cast #244 Saturday (Free Feed): Talk Joshi #5 Sunday: Roundtable Discussion – What are the 5 Best Cinderella Matches Ever? Subscribe to the podcast: https://linktr.ee/talkjoshi Our Socials: The Stardom Cast Twitter: https://www.twitter.com/thestardomcast The Marigold Standard Twitter: https://www.twitter.com/MarigoldPodcast Instagram: https://www.instagram.com/talkjoshi Threads: https://www.threads.net/talkjoshi Bluesky: https://bsky.app/talkjoshi.bsky.social YouTube: https://tinyurl.com/2s4zrf3r Discord: https://discord.gg/bbDcAwcA

February may be short, but it hasn't been stingy with standout releases. I'm really happy with my selection this month. Hopefully, you'll feel the same!Timestamps & credits(00:00:04) Warframe"Angels Requiem", Matthew Chalmers(00:02:09) Expedition 33: Clair Obscur"Alicia - Orchestral", Lorien Testard, Alice Duport-Percier, Curieux(00:04:48) Civilization VII"Hope Rising - (Modern Age Ambience 1 Peace)", Geoff Knorr(00:09:02) Shujinkou"Teki no Ryoudo", Brian LaGuardia, Robert Mullis, 野口亮(00:10:58) Atomic Heart"Non-Carbon Based Lifeforms", Boogrov(00:15:32) Balatro"Main Theme", LouisF(00:19:29) Rift of the Necrodancer"Suzu's Quest", Sam Webster, Nick Nausbaum(00:23:08) Gimmick!"Just Friends", Masashi Kageyama(00:26:16) King of Fighters XIV"THEME BGM -YAGAMI-", SNK Sound Team(00:28:31) Ender Magnolia"Gewalt", Mili, Yamato Kasai, Toshiki Soejima(00:31:58) Wonderland Wars"Swinging Fairy's Dream", Sega Sound Team, Kai(00:34:43) Like a Dragon: Yakuza Pirates in Hawaii"36.5℃の太陽 (Full Spec Edition)", Saori Yoshida(00:39:36) Infinity Nikki"Blinking Jazzy Lashes", FoldEcho(00:41:34) Foamstars"Let it Ride", Oliver Good(00:45:29) AIR"Tori no Uta", Lia, VISUAL ARTS/Key(00:51:25) King of the Jesters"Странник", ШЕДУ(00:56:17) Lost Records: Bloom & Rage"See You in Hell", Nora Kelly BandMany thanks to Zenibuka for the intro! Follow me on Patreon and Bluesky for even more VGM news Get bonus content on Patreon Hébergé par Acast. Visitez acast.com/privacy pour plus d'informations.

Welcome back to Season 2 of Chloe & Una's Tentacular Experience! Today we're talking about the ongoing series by Kyockcho, Kaede to Suzu. A heart-warming tale of sisterly love and also there's a guy there too I guess. We ask the hard-hitting questions other podcasts are afraid to ask, like "what is gained and lost when adapting a written work into a video format?", and "is it hot when a guy ****** his **** between two girls' *******?" So *** on, and join us for our most spectacular (yet least tentacular) experience yet! --- Support this podcast: https://podcasters.spotify.com/pod/show/cutecast/support

大雨の影響で氾濫した河原田川、２１日午前１０時４０分、石川県輪島市石川県・能登半島北部では２１日午前、日本海から延びる前線の影響で猛烈な雨が降り、発達した雨雲が連なる線状降水帯が発生した。 The Japan Meteorological Agency on Saturday issued heavy rain emergency warnings for the cities of Wajima and Suzu and the town of Noto, all in Noto Peninsula in Ishikawa Prefecture.

The Japan Meteorological Agency on Saturday issued heavy rain emergency warnings for the cities of Wajima and Suzu and the town of Noto, all in Noto Peninsula in Ishikawa Prefecture.

Suzu the horny sex pest dolphin has been wreaking havoc on Japanese beaches, and one of his victims called for help. A man got left on a mountain. Beaver bombing and BIRTHDAYS!Links:A Colorado Man's Coworkers Left Him Stranded on a MountainThe Treehouse WebsiteFairLease | Lease a Car Online | Best Truck Lease Deals $0 downCook DFW Roofing & Restoration | Dallas, Fort Worth TX | Roofing Company Local Garland, TX Plumber | Brooks Plumbing, LTD. | Plumbing Installation & Repairs (brooksplumbingtexas.com)The Treehouse is a daily DFW based comedy podcast about all things stupid. Leave your worries outside and join Dan O'Malley, Trey Trenholm, Raj Sharma, and their guests for laughs about current events, stupid news, and the comedy that is their lives. If it's stupid, it's in here.

Today's show has an ocean theme to it.  We start with the story of Suzu, the sex pest dolphin and end talking about MegaYachts and Diddy.  And it's greatness in between.  Links:Two Out of Five People Think Being Rude to A.I. Might Backfire SomedayThe Treehouse WebsiteFairLease | Lease a Car Online | Best Truck Lease Deals $0 downCook DFW Roofing & Restoration | Dallas, Fort Worth TX | Roofing Company Local Garland, TX Plumber | Brooks Plumbing, LTD. | Plumbing Installation & Repairs (brooksplumbingtexas.com)The Treehouse is a daily DFW based comedy podcast about all things stupid. Leave your worries outside and join Dan O'Malley, Trey Trenholm, Raj Sharma, and their guests for laughs about current events, stupid news, and the comedy that is their lives. If it's stupid, it's in here.

In this enlightening episode of Gyno Curious, host Amy delves into the world of massage therapy with special guest Suzu Kawamoto, a certified abdominal therapy collective practitioner. The conversation begins with Amy sharing her curiosity about why massage therapists often avoid the abdomen, setting the stage for an insightful discussion. Suzu shares her personal journey into the field of massage, influenced by her Japanese heritage and early experiences with healing touch in her family. The episode explores the various techniques and extensive training that Suzu has undertaken, including Swedish massage, Shiatsu, and Mayan abdominal therapy. Amy and Suzu discuss the holistic benefits of abdominal massage, such as improving circulation and releasing tension in the body. Suzu passionately explains how different parts of the body are interconnected and how touch can foster self-healing, emphasizing the unique and integrative approach she brings to her practice. Listeners are offered a deeper understanding of the value of massage therapy, especially during pre and postpartum periods. Suzu shares moving stories about her clients, highlighting the transformative power of abdominal massage. The episode wraps up with practical insights into the importance of self-care for both therapists and clients, and a heartfelt discussion on the essential role of touch in our overall well-being. Questions of comments? Call 845-307-7446 or email comments@radiofreerhinecliff.org Produced by Jennifer Hammoud and Matty Rosenberg @ Radio Free Rhiniecliff

nterview by Kris PetersWhat do you get when you cross a pro wrestler, a metal head and a penchant for cross-dressing? If you answered Ladybeard then you are 1000% correct. For there is only one.Because one walking ray of sunshine is all the world needs.Since blowing up the Japanese internet in 2014 and then taking on the world with his first single Nippon Manju the following year, Adelaide-born Ladybeard has quickly become - and, most importantly, remained - an exuberant spark of life in an otherwise bleak musical landscape. His vision first of creating and then of embracing the persona that is Ladybeard has seen him traverse the globe as a solo artist but even the best of us get lonely sometimes and thus Ladybeard sought companionship in the form Japanese idols SUZU and MAHRI to form his current group Babybeard in 2020.Combining colourful Japanese pop culture and relentlessly cute pigtails with heavy metal, pro-wrestling and choreographed dancing, Babybeard's uniquely high-energy performances have captured the hearts and ears of all ages no matter what part of the world they have blessed, but now it's Australia's turn when Babybeard arrive in this country in the coming days for their Adorable Assault On Australia Tour, kicking off in Adelaide this Friday.It promises to be an entertaining, family-suited string of shows and is a fitting homecoming for a man and his band. But don't let us convince you of the above, listen to the words of Ladybeard himself, and you will find it impossible to refute."We are here to tell you dear, beautiful Australians that Ladybeard is coming on tour to Australia with his group Babybeard this June and July," he declared. "So we all need to get a bit excited Australia. We need to raise the tempo because we're not here for siesta time. We're here to SCREAM with a man in pigtails and two Japanese females. It's me, with two adorable Japanese ladies next to me, and we're all dancing. The girls are singing, I'm SCREAMING. It's like BabyMetal but with a giant, bearded, cross-dressing Aussie in the middle. That's exactly what it's like. The group is called Babybeard - so it's Ladybeard plus babies equals Babybeard, it's very straightforward - and we're coming for you. We've been trying to make this Australia tour happen for a long time. We put this group together in 2020, and we all know what happened then that made touring somewhat difficult, but we had a plan to tour in 2020. Nope, not happening. Tour 2021? Nah, not happening. 2022? Nah, 2023? Nah. Finally, 2024 is the Year Of The Beard. Actually, they changed it to the Chinese zodiac, so it is officially The Year Of The Beard for Australians only!"In the full interview, Ladybeard tells us how an assault on our country could possibly be perceived as adorable, starting the tour in his hometown of Adelaide and if he is nervous about kicking things off in front of friends and family he hasn't seen for a while, gives a brief account of how he went from Adelaide wrestler to international superstar, combining J Pop with metal without being overly offensive, what to expect from the shows, the growth of J Pop as a music and culture and more.Become a supporter of this podcast: https://www.spreaker.com/podcast/heavy-music-interviews--2687660/support.

内外情勢調査会で講演する石川県珠洲市の泉谷満寿裕市長、２２日午後、東京都千代田区石川県珠洲市の泉谷満寿裕市長は２２日、東京都内で開かれた内外情勢調査会で講演した。 The mayor of Suzu, Ishikawa Prefecture, on Wednesday stressed the need for the swift demolition of buildings damaged in the Jan. 1 Noto Peninsula earthquake in the central Japan prefecture.

This week, Carie made Ross feel something with Belle (2021). We are following the tale of insecure teenager Suzu as she navigates the instant fame her singing voice earns her on the social media site known as U. Ross is moved by the music but cannot get over the logistics of LOGGING ON. Carie is filled to the brim with emotions at the prospect of someone being real on the internet. The solar eclipse comes up somehow? And the siblings remind themselves that you never really know who is behind the keyboard.  SUPPORT US ON PATREON!  Related Media:  CHECK OUT KYLIE McNEILL!!!    

Hello and welcome to another exciting episode of "Read with Me Light Novel"! Today, we're diving into all the fantastic details about MomoCon 2024, happening from May 24th to May 27th. Plus, we'll talk about a special contest we're hosting that includes a great prize. MomoCon started from the dedication of a small, passionate group of fans. With a focus on animation, gaming, comics, and costuming, MomoCon aims to bring the best aspects of these fandoms to everyone. Based in Atlanta, they extend Southern Hospitality to all attendees, from curious newcomers to dedicated long-time fans. MomoCon has seen tremendous growth, becoming one of the largest anime conventions in North America, reaching over 10,000 attendees in 2011 alone. This year, MomoCon features an incredible lineup of guests: - **Jodi Benson**, voice of Ariel from "The Little Mermaid". - **Steve Blum**, known for voicing Spike from "Cowboy Bebop" and characters in "Mortal Kombat X and 11". - **Dana Terrace**, the creator of "The Owl House". - **Beau Billingslea**, known for roles like Jet Black in "Cowboy Bebop" and Barrett in "Final Fantasy Advent Children". - **Toru Furuya**, a legendary Japanese voice actor famous for roles in "Sailor Moon", "Dragon Ball", and "One Piece". - **Tony Weaver, Jr.**, the creator of the award-winning manga series "The UnCommons". - **Mark Brooks**, an acclaimed comic illustrator known for his work on "X-Men", "Spider-Man", and "Star Wars". There will also be exciting panels and performances, including: - **BABYBEARD**, featuring LADYBEARD, SUZU, and MAHRI, performing on Saturday. - **Caleb Hyles**, known for his YouTube cover of "Let It Go", with over 1.5 million subscribers. - **The Triforce Quartet**, playing video game music in a traditional string quartet style. - **CARA MCGEE**, an illustrator for companies like Marvel, Comixology, and DC. - **Jason Griffith**, the voice of Sonic the Hedgehog. - **Peter Raymundo**, a character animator for Disney films like "Mulan" and "The Lion King". One of the highlights will be Takuya Suzuki, who will be discussing "GUNDAM: Requiem for Vengeance" on Sunday at 5:30 PM. Now, about the contest! We're giving away a fantastic prize to the lucky listener That will be a random drawing live. From a list of names of people that follow the Apple or Spotify podcast and follow on YouTube or TikTok, and like any video, and comment "done" on that video. The prize will be something from MomoCon, potentially an autographed pop from one or all of the guest of momo con or something even better. I want to see what I can get for my special fans. That's all for today's episode. We hope to see you at MomoCon 2024 and don't forget to participate in our contest. Thanks for listening, and stay tuned for more exciting content on "Read with Me Light Novel"! Social Media and Links • Email: read.with.me.light.novels@gmail.com • Facebook: MomoCon Facebook • Instagram: Read with Me Light Novels • YouTube: Read with Me Light Novels • Spotify: Read with Me Light Novel Podcast • Apple Podcasts: Read with Me Light Novel on Apple Podcasts https://linktr.ee/zedbundee Stay connected for more updates and exclusive content!

Ever wondered how a classic fairytale would fare in the digital age? Join Phil and Eric, as we navigate the cyberspace spectacle of Mamoru Hosoda's "Belle," where a timeless story meets the pixelated pulse of modern society. Prepare to be whisked into a world where art styles collide and music reigns supreme, blurring the lines between fantasy and reality.Dive into the heart of "Belle" as we tackle the film's dynamic soundscape, featuring Millennium Parade and Kylie McNeil, and the intricate dance between 3D and 2D storytelling. We'll scrutinize the film's ambitious narrative, questioning whether it's a feast for the senses or a case of too much on the plate. You'll witness the cultural tapestry that shapes our viewing experience. Plus, we'll share a curious fact about the film's genesis, which might just make you see the narrative in a whole new light.Wrapping up, we delve into the intertwined themes of trauma, relationships, and a mysterious app that propels the plot of "Belle." We'll examine character arcs and the necessity of various storylines, discussing whether a laser-focused approach would benefit the film's already rich narrative. Your journey through this episode is more than just a review; it's an exploration of how a veteran Disney animator's influence could have steered the storytelling ship. So, whether you're a die-hard anime aficionado or a curious newcomer, this conversation promises insights and a few revelations that are not to be missed.Letterbox'dSynopsis:  Suzu is a 17-year-old high school student living in a rural town with her father. Wounded by the loss of her mother at a young age, Suzu one day discovers the massive online world “U” and dives into this alternate reality as her avatar, Belle. Before long, all of U's eyes are fixed on Belle, when, suddenly, a mysterious dragon-like figure appears before her.

石川県珠洲市立緑丘中の入学式で、新入生を代表してあいさつする三沢琴葉さん、５日午後、同市能登半島地震で大きな被害を受けた石川県珠洲市で５日、小中学校の入学式が行われた。 Entrance ceremonies were held Friday at elementary and junior high schools in the city of Suzu in the central Japan prefecture of Ishikawa, hit hard by the Jan. 1 Noto Peninsula earthquake.

Entrance ceremonies were held Friday at elementary and junior high schools in the city of Suzu in the central Japan prefecture of Ishikawa, hit hard by the Jan. 1 Noto Peninsula earthquake.

We're back to chat everything coming out of the Stardom shows from Anjo and the first show of an Osaka double header.We also talk everything from the press conference, the announcement of the Supreme Fight card, Suzu's injury, Waka's return from injury, Megan Bayne's departure, Tam's return, Thekla's potential departure, Yuzuki on a pole match and two great prelude tag matches.Subscribe to our PATREON: https://patreon.com/TheStardomCastCheck out the revamped website: https://www.thestardomcast.weebly.comSubscribe to the Podcast: https://linktr.ee/TheStardomCastJoin our Discord Server: https://discord.gg/bbDcAwcTwitter: https://www.twitter.com/thestardomcastFacebook: https://www.facebook.com/thestardomcastTwitch: https://www.twitch.tv/thestardomcastBuy our Merch: https://teespring.com/en-GB/stores/po...YouTube: https://tinyurl.com/2s4zrf3rBuy Rob's Stardom Book - Living The Dream: Stardom's 10th Anniversary in Review Right Here: https://tinyurl.com/5n962awbCastAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

#STARDOM Nagoya Big WinterLe HS sur la carteNanae en UWFDes nouvelles championnes TagSuzu vers la World#Actu JoshiMagenta championnes AAAWDiana 03.11TJPW 04.01Commander Nakajima championne Sukeban+reco & FAQ00:00 - Intro 06:25 - STARDOM Nagoya Big Winter 2023 52:55 - Actu Joshi 1:00:24 - Reco de matchs 1:04:55 - FAQ & OutroRéseaux sociauxSoutenez nous : https://www.patreon.com/stardlinnngRejoignez le Discord : https://discord.gg/z9U5vKE4ZQRetrouvez nous sur Youtube : https://www.youtube.com/@stardlinnngSuivez nous : https://twitter.com/stardlinnng

The lads return in an uncharacteristically short episode to review Stardom's latest PPV offering in Stardom Nagoya Big Winter 2023.From Hazuki and Suzu having a predictably entertaining brawl, to Matt fitting as many musical references as he possibly can into a 20 second spell, to Rossy Vice, to AphroditE being crowned new tag champs and everything in between, Rob and Matt cover it all on this latest episode of the Stardom Cast!Subscribe to our PATREON: https://patreon.com/TheStardomCastSubscribe to the Podcast: https://linktr.ee/TheStardomCastJoin our Discord Server: https://discord.gg/bbDcAwcTwitter: https://www.twitter.com/thestardomcastFacebook: https://www.facebook.com/thestardomcastTwitch: https://www.twitch.tv/thestardomcastBuy our Merch: https://teespring.com/en-GB/stores/podmania-podcasting-networkYouTube: https://tinyurl.com/2s4zrf3rBuy Rob's Stardom Book - Living The Dream: Stardom's 10th Anniversary in Review Right Here: https://tinyurl.com/5n962awbAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

The Mansion At Night by Suzu by 826 Valencia

Welcome back to the audiobook of Amber A. Logan's mysterious fantasy novel The Secret Garden of Yanagi Inn.   In episode 4, Mari finally meets the enigmatic owner of the Yanagi Inn which sets her on a new path as her mystery unravels.

In this week's episode of Sake On Air we dive further into the world of Shochu and Cocktails as we are excited to have had the chance to talk to Christian Suzuki-Orellana, aka ‘Suzu', the founder of Kagano Pop-Up, General Manager & Bartender at "Wildhawk" as well as a participant of the immensely popular Netflix show, “Drink Masters”.  Among his many achievements, he has been nominated for best US Cocktail Bar and Bartender of the Year in 2022 and is currently traveling all over the world to serve up some finger-licking delicious Cocktails that are often inspired by his childhood and teenage years living and working in Tokyo in his grandparents' restaurant.  So when our friends and sponsors at the Japan Sake and Shochu Makers Association told us they had invited him and a delegation of inspiring mixologists to Japan for a special Shochu tour and workshop, we could not believe our luck. Looking at his impressive resume of working in some of San Francisco's most iconic cocktail bars, including 15 Romolo, Benjamin Cooper, and Wildhawk, we decided to bring another Cocktail powerhouse as a guest host for this week's Podcast, no other than Joshin Atone, former SG Shochu brand manager and founder of “Flow”, a brand and operations consultancy for bar projects and beyond. Find out more about him in our Episode-47: The SG Shochu with Joshin Atone. To keep the balance and hear more from these two Cocktail masters this episode is facilitated by our very own Cindy Bissig, who besides enjoying a few cocktails here and there also had the chance to meet Suzu in person at the Japan Sake and Shochu Information Center, hear about his trip to Kagoshima and try some of the Cocktail creations not just Suzu, but the group of Bartenders came up with. This episode will give you deep insights into Cocktail design, the relevance of Shochu now, and the possibilities for it in the future as well as some very personal anecdotes as both our guest host and Suzu share with us their passion, their challenges, and their vision for the future. At the same time, if you're looking for updates @sakeonair, you can follow us on Instagram, Twitter, and Facebook. Don't hesitate to also share any other sake or shochu-related thoughts or questions with the hosts at questions@sakeonair.com and rate us on the podcast service of your choice while you're at it.We'll be back very soon with plenty more Sake On Air.Until then, kampai!Sake On Air is made possible with the generous support of the Japan Sake & Shochu Makers Association and is broadcast from the Japan Sake & Shochu Information Center in Tokyo. The show is brought to you by Potts.K Productions with audio production by Frank Walter. Our theme, “Younger Today Than Tomorrow” was composed by forSomethingNew for Sake On Air.

#STARDOM Tag League Day 3 & 4-Mei et Suzu en tête-FWC en difficulté#STARDOM Halloween Dark Night-Zombies, Machines, Princesse, bonbons, bucherons et ROSSY !#ACTU Joshi :-Wave, Sendai, Indy+Reco et FAQ00:00 - Intro05:37 - Stardom Tag League Day 3 & 419:03 - Stardom Halloween Dark Night54:12 - L'Actu Joshi58:43 - Recommendations de matchs01:02:58 - FAQ & OutroRéseaux sociauxSoutenez nous : https://www.patreon.com/stardlinnngRejoignez le Discord : https://discord.gg/z9U5vKE4ZQRetrouvez nous sur Youtube : https://www.youtube.com/@stardlinnngSuivez nous : https://twitter.com/stardlinnng

Kate and Suzu both competed in the hit Netflix reality competition series, “Drink Masters.” As you'll quickly notice in this discussion, they also happen to be great friends. Kate's award-winning bar is in Albuquerque, New Mexico. She's been named by Drinks International as one of the industry's "Top 100 Most Influential Figures in the World." Suzu is a returning guest of Beyond the Drink (Season 6), and has worked in some of San Francisco's most iconic cocktail bars.In this episode, Kate shares a cocktail called “Goo Goo For Suzu” (gin, gooseberry, yuzu, togarashi, calpico) that was inspired by her time filming “Drink Masters.” Suzu shares a drink called “Still Together in San Junipero” (gin, cacao rum, pink guava, yuzu juice, amaro, and clarified with milk) that was inspired by another Netflix show, “Black Mirror.” Kate and Suzu share how they each give back to their communities. Kate does work with New Mexico Black Cat Cultural Enterprises as well as S.A.F.E. House, an organization that connects her and her staff with families in need. Suzu added on to what he spoke about in Season 6/Episode2 by sharing how he and his bar show support to the community not only through fundraisers and events, but also by sharing tools and resources of how to support the AAPI community. Enjoy this episode as we go Beyond the Drink… with Kate Gerwin and Christian “Suzu” Suzuki.This season is brought to you by Fords Gin, a gin created to cocktail.Check out our #BtPlatepodcast Merch at www.BeyondthePlateMerch.com Follow Beyond the Plate on Facebook and TwitterFollow Kappy on Instagram and Twitter

#STARDOM Nagoya Golden FightL'UWF de MinaL'entente Giulia, Suzu, MaikaMatchs de titres et adieu de KAIRI#SEAdLINNNG Shinjuku FaceMakoto résisteL'entente Sareee-ArisaLes baies conservent+ News, recommendation & FAQ(00:00) - Intro(05:12) - STARDOM Nagoya Golden Fight Review(54:37) - SEAdLINNNG Shinjuku Face 10.10 Review(01:21:27) - L'Actu Joshi(01:28:12) - Recommendation de match(01:35:03) - FAQRéseaux sociauxSoutenez nous : https://www.patreon.com/stardlinnngRejoignez le Discord : https://discord.gg/z9U5vKE4ZQRetrouvez nous sur Youtube : https://www.youtube.com/@stardlinnngSuivez nous : https://twitter.com/stardlinnng

#STARDOM 5TAR GP Day 19-20-21-Le challenge d'Ami Sourei-La fin du tournoi pour Hazuki#STARDOM 5STAR FINALE-Le départ de Mariah-Les différentes guerres personelles-Suzu vs Maika en finale+News, recommendation & FAQRéseaux sociauxSoutenez nous : https://www.patreon.com/stardlinnngRejoignez le Discord : https://discord.gg/z9U5vKE4ZQRetrouvez nous sur Youtube : https://www.youtube.com/@stardlinnngSuivez nous : https://twitter.com/stardlinnng

In this episode of Shoujo Sundae, Giana and Chika sit down with Kylie McNeill, the actress and singer-songwriter who portrayed Suzu and Belle in the movie Belle. The three cover Kylie's journey navigating being in an anime dub studio for the very first time, her thoughts and insight on the film and its soundtrack, the content and inspiration of her original song, and more! This episode's video was edited by Dylan Pojar-Weatherly. You can follow him @dyl.pw on instagram. Grab your spoons, and let's dig in!   Thank you to our patrons! Sprinkles: PJ, Pete, Akemi, and Gloves Whipped Cream: Marck M Hot Fudge: AJ, Aaron, Mackenzie, and Marc D About Shoujo Sundae: Shoujo Sundae is a podcast safe haven for fans that are in love with shoujo anime and manga. Hosted by Giana Luna and Chika Supreme, Shoujo Sundae aims to review and reflect on shoujo properties that deserve more attention than what they currently receive. Giana Luna is a podcaster by moonlight and a dueling pianist by daylight. Chika Supreme is a podcaster by moonlight and a social media manager by daylight. Find Shoujo Sundae wherever you listen to your podcasts: https://pod.link/1634859352 If you enjoyed this episode, SHARE it with a friend and RATE/REVIEW it on Apple Podcasts and Spotify! Connect with Giana, Chika, and Shoujo Sundae! Visit our website: http://shoujosundae.com  Pledge on Patreon: https://patreon.com/shoujosundae Shoujo Sundae's Social Media: https://linktr.ee/shoujosundae Send us an email: shoujosundaepodcast@gmail.com Follow Giana Luna on Twitter: https://twitter.com/Giana_Luna_  Follow her on Instagram: https://www.instagram.com/giana_luna_  Follow Chika Supreme on Twitter: https://twitter.com/ChikaSupreme  Follow her on Instagram: https://www.instagram.com/chikasupreme  A breakdown of the Shoujo Sundae segments: -A Soft Serve Summary (episode recap) -Sprinkles on Top (symbolism portrayed in the episode) -Floats Your Boat (positive aspects from the episode) -Banana Split (moments that are neither good or bad)-Rocky Road (emotional/sad moments) -Nuts! (shocking moments) -Hot Fudge (hot takes or rants) -I Scream, You Scream (bad moments)

In this episode of Shoujo Sundae, Giana and Chika discuss the film Belle. Giana opens up about being an introverted performer, like Suzu. The girls discuss the intrigue surrounding the mysterious Dragon of U. Love between two supporting characters absolutely ignites Chika's and Giana's hearts. In Banana Split, Chika speculates about Suzu's distant relationship with her father, and Giana makes a shocking comparison in Belle's character design that has nothing to do with Beauty and the Beast. All the daddies in this film get a heaping serving of hot fudge. Belle left the sundae girlies with a lot of lingering questions: what exactly happens on the U app? How long did it take for Belle to rise to stardom? And more. Grab your spoons, and let's dig in!   CONTENTS [1:20] Soft Serve Summary [6:09] Sprinkles on Top [15:21] Floats Your Boat [39:51] Banana Split [53:05 ] Rocky Road [1:04:29] Hot Fudge [1:20:42] I Scream, You Scream About Shoujo Sundae: Shoujo Sundae is a podcast safe haven for fans that are in love with shoujo anime and manga. Hosted by Giana Luna and Chika Supreme, Shoujo Sundae aims to review and reflect on shoujo properties that deserve more attention than what they currently receive. Giana Luna is a podcaster by moonlight and a dueling pianist by daylight. Chika Supreme is a podcaster by moonlight and a social media manager by daylight. Find Shoujo Sundae wherever you listen to your podcasts: https://pod.link/1634859352 If you enjoyed this episode, SHARE it with a friend and RATE/REVIEW it on Apple Podcasts and Spotify! Connect with Giana, Chika, and Shoujo Sundae! Visit our website: http://shoujosundae.com  Pledge on Patreon: https://patreon.com/shoujosundae Shoujo Sundae's Social Media: https://linktr.ee/shoujosundae Send us an email: shoujosundaepodcast@gmail.com Follow Giana Luna on Twitter: https://twitter.com/Giana_Luna_  Follow her on Instagram: https://www.instagram.com/giana_luna_  Follow Chika Supreme on Twitter: https://twitter.com/ChikaSupreme  Follow her on Instagram: https://www.instagram.com/chikasupreme  A breakdown of the Shoujo Sundae segments: -A Soft Serve Summary (episode recap) -Sprinkles on Top (symbolism portrayed in the episode) -Floats Your Boat (positive aspects from the episode) -Banana Split (moments that are neither good or bad)-Rocky Road (emotional/sad moments) -Nuts! (shocking moments) -Hot Fudge (hot takes or rants) -I Scream, You Scream (bad moments)

PATREON MOVIE DISCUSSION:  This movie was selected by our Patreon Supporters over at the Cinematic Doctrine Patreon. Support as little as $3 a month and have your voice heard!  Melanie joins Melvin to discuss Belle, Mamoru Hosoda's latest anime feature that combines real-life heart with the wonder of cyber-space! How well does he balance these ideas, and are we familiar with Hosoda's filmography? Tune in to hear that and more!  Topics: (PATREON EXCLUSIVE) 38-minutes discussing our history with Anime, what we like and dislike about the style, and where we currently stand as purveyors of the medium (PATREON EXCLUSIVE)Mamoru Hosoda clearly has a fascination with the duality between the real-world and digital-world as observed through his filmography (several Digimon movies, Summer Wars, Belle).Melanie connected with the way in which Suzu found her voice throughout the story's progression.Both Melvin and Melanie enjoyed most of the music, specifically the first song.Melvin saw one of Mamoru Hosoda's previous narrative successes, Wolf Children, and seriously disliked the movie. He routinely gets hate-mail for his scathing review left on MyAnimeList. Some problems he remembers from Wolf Children he also observed in Belle.Belle has many duality motifs including the imagery of a whale, a sea-creature dependent on air, or the difference between online and offline personalities.Belle is comprised of three narrative beats; digital world and concerts, slice-of-life, and the beauty and the beast. How you connect with each of these aspects will greatly impact your enjoyment of the film.Getting into the controversial twist that more-or-less co-opts the movie during its third act.Both Melanie and Melvin take issue with the severe lack of resolution presented by the introduction of Belle's twist, apart from the fact it's also comparatively uncomfortable.There's this expectation online that people have a right to information or knowledge regardless of boundaries or privacy. Melvin appreciated Belle's passive critique against this idea.Melvin and Melanie go full script-doctor because we're a podcast and that's what podcasts do.Recommendations:Spriggan (1998) (Movie)Jin-Roh: The Wolf Brigade (1999) (Movie)Support the showSupport on Patreon for Unique Perks! Early access to uncut episodes Vote on a movie/show we review Social Links: Twitter Website Facebook Group

We hit the halfway point of The Twelve Kingdoms, and with it a slightly better set of episodes. We talk about the show's shift into backroom politicking, as well as its new focus on two girls (including one that just needs to say sorry, and another that is going through the most miserable time in the world). We also discuss True Blood, Crouching Tiger, Hidden Dragon, and Obi-Wan Kenobi.TwittersLiv - @GhostGirlMusicSeneschal - @SomberAzaleasSend any questions to tbhanimepodcast@outlook.com!

Steine fallen vom Himmel und sie scheinen auch zu beißen! Abenteurer: John, Suzu und der Kaempfer DM: Jonsi Bild: Christian.pick KANN WERBUNG ENTHALTEN(?)

Nach langer Zeit geht unsere Wanderung weiter!Wir bieten Hunde, Nekromanten, Wald und Suppe!Viel Spaß. Abenteurer: John, Suzu und der Kaempfer DM: Jonsi Bild: Christian.pick KANN WERBUNG ENTHALTEN(?)

(the very) Weekly Manga Review Show 11-16-22: Bat Man, Rokkugo Rules, Zombie Cursing & Suzu's BunsKeywords: Manga, Anime, Comics, Comic books, pop culture, television, movies, indie comics, dc comics, marvel comics, books, comedyThe Weird Science Youtube Channel: https://www.youtube.com/channel/UC2aEzjxwSF1G_RV8OnNACmATimestamps:02:22 - Chainsaw Man 11110:32 - Marriagetoxin 2721:42 - Dandadan 8230:10 - Blitz Chapter 245:59 - Zombie Makeout Club  256:04 - Luke's Bangers57:52 - Jujutsu Kaisen 2041:03:44 - You and I are Polar Opposites1:16:47 - Akane-banashi 381:28:55 - Sakamoto Days 951:36:03 - Spy x Family 711:47:25 - Ayakashi Triangle 1111:57:59 - Kaiju #8 74Keywords: Manga, Anime, Comics, Comic books, pop culture, television, movies, indie comics, dc comics, marvel comics, books, comedyLinks to all of the Manga Reading Clubs: https://campsite.bio/weirdsciencemangareadingclubsOr search "Weird Science Manga Reading Club" anywhere you listen to podcasts, and they should all pop up in the search!  Support us and help us feel loved (plus get early access to all of our shows) for as little as $3/Month by joining our Patreon @ https://www.patreon.com/weirdsciencemanga Click Here for all the Weird Science Manga Links! https://campsite.bio/weirdsciencemanga ★ Support this podcast on Patreon ★

Unsere Söldnergruppe macht sich auf die Reise in Richtung Krater und was sie dort erleben, findet ihr hier selbst heraus. Abenteurer: John, Suzu und der Kaempfer DM: Jonsi Bild: Christian.pick KANN WERBUNG ENTHALTEN(?)

Ein Satyr, ein Echsenmensch und ein Aarakocra betreten eine Bar… Abenteurer: John, Suzu und der Kaempfer DM: Jonsi Bild: Christian.pick KANN WERBUNG ENTHALTEN(?)

Anime Was (Not) A Mistake asks you to lend your voice to the latest episode as we tackle Mamoru Hosoda's Belle (2021). We head to the internet community that is U in order to find our true selves in a world of users and song. This film brings our podcast back to our roots and, as such we usher in a new era altogether. On this episode prepare for internet whales, overnight pop sensations, and a cavalcade of internet avatars. Will our protagonist Suzu be able to put aside her losses and find her voice in a chaotic future? You will have to tune in to find out. I'm Alive! I'm Alive! I'm Alive!  Follow us on Instagram:@animewasnotamistakepodcast Or on Facebook:@animewasnotamistakepod Music Provided by: millennium parade x Belle – “U” – Belle (Original Motion Picture Soundtrack) AmaLee – “Again”- Fullmetal Alchemist: Brotherhood OP FictionJunction ft. LiSA – “from the edge” - Demon Slayer: Kimetsu no Yaiba ED

Ushat wacht noch immer nicht auf und führt eine wilde Diskussion mit Klog.Auf der anderen Seite machen sich die anderen immer mehr Sorgen, doch dann kommt ihnen eine elektrisierende Idee. Abenteurer: Kayliah, Shoggoth, Suzu, Din Viesel DM: Jonsi Bild: Christian.pick KANN WERBUNG ENTHALTEN(?)

On this episode of Otakuology Mike & Jin take a look at Mamoru Hosoda's new film Belle. Suzu is a shy high school student living in a rural village. For years, she has only been a shadow of herself. But when she enters "U", a massive virtual world, she escapes into her online persona as Belle, a globally-beloved singer. --- Send in a voice message: https://anchor.fm/otakuology/message Support this podcast: https://anchor.fm/otakuology/support

Endlich sind unsere 4 Reisenden aus diesem verdammten Tunnel raus… Anscheinend wird ihn Mal eine Pause gegönnt…. Ob sie jemals aus diesem Albtraum erwachen? Aber immerhin hat jemand Suppe gekocht. Abenteurer: Kayliah, Shoggoth, Suzu, Din Viesel DM: Jonsi Bild: Christian.pick KANN WERBUNG ENTHALTEN(?)

In which the Mister and Monsters join me in reviewing BELLE (2021) which is currently streaming on HBO Max. The film, written and directed by Mamoru Hosoda, follows Suzu, a shy young woman trying to navigate life as a teen and the crushing loss of her mother when she was a little girl; a hurt she still carries with her. The story follows her as she joins "U", a virtual world that let's users be whoever they want to be. During this time she learns to come into her own as her "U" persona is a very popular girl named Belle who's charmed the virtual world with her beauty and song. Here she encounters The Beast/Kei, a persona who has obviously suffered much trauma. She reaches out to him and soon is pulled into a very serious in real life situation that involves child abuse. The film has a run time of 2 h 1 m, and is rated PG. Please note there are SPOILERS in this review. Opening intro music: GOAT by Wayne Jones, courtesy of YouTube Audio Library. --- Support this podcast: https://anchor.fm/jokagoge/support

Nichtmehr lange und unsere Abenteurer stehen vor dem letzten Schalter. Halten die 4 Chaoten den perfiden Spielen des Gangs stand oder entscheiden Sie sich doch dafür, einfach auf “Er” zu drücken? Und was passiert eigentlich am Schluss? War da nicht noch etwas mit einem Hebel? Abenteurer: Kayliah, Shoggoth, Suzu, Din Viesel DM: Jonsi Bild: Christian.pick… Weiterlesen

Now the number one anime recommendation podcastGod gave me too many things to like and so this last week I have been watching a lot of anime filmsSpecifically two by Mamoru HosodaBelle and the other is The Boy and The BeastWe will start with his most recent film that came out in 2021 BelleThe story is about a girl named Suzu Naito whose mother died when she was very young trying to save another girl in a riverSince her mothers death Suzu has taken a step back from the world and even lost her ability to singIt's not until she is introduced to an online world called "U" where she creates an avatar named Belle that she is able to sing and gain popularity During one of her performances get's interrupted by another avatar called The Beast and it's up to Belle to figure out who this mysterious figure isand try and help.ProsAnimation is very very strong,A deeper theme of connection and kindness is at the forefrontSongs in this are straight up fireBeen listening to them non-stopThe final performance scene is an all-time great animation scene for me.ConsThe world of U and worldbuilding is basically non-existent - Avatars just kinda float around and like things talk crapWhich I guess is kinda the internet in general but it could have been a lot more interesting - Maybe the argument is it's like the metaverse nowWreck it ralph 2 had more worldbuilding and lore about how its world worked.The mystery of who is the beast is not handled in a super interesting wayWeird cause the reveal was actually really greatThe movie retreads some ground we have seen before but I think it's a great intro to animeAgain the songs and animation are fire but I don't think it's Mamoru Hosoda's best work That's because his best work is "The Boy and The Beast" Boom look at that smooth transitionThe Boy and The Beast is about a boy named Ren who after running away from home discovers an entire secrete beast world - Everyone is an animal who walks aroundThere he is taken on as a pupil by Kamatesue a bear who is training to fight in a tournament against his rival Jozen to become Lord of this worldKamatesue is training the boy but Kamatesue is also very flawed and there relationship and mentor-student relationship get's blurredTo me, the real heart of this story is the relationship between Kamatesue and Ren as they start off as begrudging mentors and study but it becomes more of a story of a father and sonI've had a very strained relationship with my dad who was often militant so I related to Ren in this film quite a bit.The film goes further to explore trauma which really heats up with the third act and again this film is beautifully animated.What I think this film does better than Belle by far is pacing there is never a scene when watching at home where I felt like I needed to check my phoneSome really great fight sequences.There are flaws with it some plot points where you say hey wait for a minute but overall the film is such a breeze to watch that it's hard for me to complain.Anyway I hope I convinced you to check out some of Mamoru Hosoda work he has a pretty deep filmography up to this point and I would love if more people heard about himI got a new Instagram hgsf_podcast where you can like and follow I think I might start posting reels asking for episode suggestionsBeen on a couple of

Showrunner Marshal Younger, writer/director Phil Lollar, writer/director Kathy Buchanan, and line producer Nathan Hoobler answer your questions about recent episodes (including the Olivia arc and "As Buck Would Have It") and look ahead to stories in Album 73 and 74.

In this special episode, Hardin continues to speaks on the concept of choosing to love wisely.This episode is brought to you by:www.madeindena.comFor more information about LIFE OF A BOSS The Podcast, visit:www.lifeofaboss.netClick to listen to LIFE OF A BOSS The Podcast on Apple Podcasts:https://podcasts.apple.com/.../life-of-a.../id1587842889Click to listen to LIFE OF A BOSS The Podcast on Spotify:https://open.spotify.com/show/4sw9u9v5nZSYgg5wb115p6For more places to listen to LIFE OF A BOSS The Podcast:https://lifeofaboss.buzzsprout.com/To browse and purchase official gear, visit:www.hardwayenterprise.com/bossshopSupport the show (https://www.paypal.com/do Support the show (https://www.paypal.com/donate?token=NXkHaeIyWIECgTBy9DhjMqBgm1CZGEqOFhQPjSox1grS2oSumJYFvteAMuHyXXt_TTqoxMfs8WvCYb3y)

Jason Bott joined Robertson Ryan in 2004 as a Vice President and in 2016 he became a Shareholder. Being part of Robertson Ryan, the largest independent insurance agency in Wisconsin, and a Top 100 US Agency, gives Bott the resources to handle standard and non-standard policies. He specializes in real estate risk management and has developed a national reputation for insuring real estate owners and investors of varying sizes. Understanding risk management in real estate is crucial to protecting your hard-earned assets. Being proactive and educating yourself as to where risks lie can save you a lot of time, money, and headaches in the long run. In this episode, Jason talks us through all the things that we need to be aware of as property owners when it comes to insurance.   Episode Links: https://www.robertsonryan.com/ --- Before we jump into the episode, here's a quick disclaimer about our content. The Remote Real Estate Investor podcast is for informational purposes only, and is not intended as investment advice. The views, opinions and strategies of both the hosts and the guests are their own and should not be considered as guidance from Roofstock. Make sure to always run your own numbers, make your own independent decisions and seek investment advice from licensed professionals.   Michael: What's going on everyone? Welcome to another episode of the Remote Real Estate Investor. Today with me I have Jason Bott who's actually a personal friend and my personal broker for a lot of my Midwest portfolio. Jason is gonna be talking to us today about all the things that we need to be aware of as landlords and as investors when it comes to insurance. So let's get into it.   Jason Bott, man, what's going on? Happy to have you here and thanks for taking the time.   Jason: Thanks, Michael. It's always great to talk with you.   Michael: No, it's always a pleasure. So I, of course, know who you are and we'll get into that in just a minute. But I'm curious if you can give everyone a little bit of background on who you are, where you're come from, and what it is that you're doing with real estate.   Jason: Sure. So my name is Jason Bott, I am based in Milwaukee, Wisconsin, and I'm a commercial insurance broker and I've been specializing in the space for about six or seven years exclusively and so I currently write about 25,000 units and in about 30 states. So in any state that you can find reasonably priced real estate that cash flows, that's usually more where some of my clients are.   Michael: Okay.   Jason: And I've been part of the firm, I'm a shareholder at the Robert surronding associates we are top 100 Insurance Agency in the US and you have been doing this for bots, about 20 years now.   Michael: Right on and so in full disclosure, for everyone listening, Jason is actually my insurance agent, we got connected like I think three or four years ago now   Jason: I think it's about four now.       Michael: Yeah and Jason has been handling the vast majority of my Midwest portfolio, and I've been a very satisfied customer. So thank you, Jason.   Jason: Hey, thank you, Michael, we always appreciate the business.   Michael: No, absolutely. So for those of our listeners that are brand new to insurance, maybe looking to purchase their first rental or are now taking a look at their insurance. What are some high level terms that people need to be aware of? So they can talk intelligently with insurance brokers or agents?   Jason: Sure. So I would say that the main thing that everybody comes up with is should I do actual cash value replacement cost.   Michael: Okay.   Jason: And I mean, that's probably the most universal question of the mall and it's very difficult sometimes to get replacement costs. If you're buying a let's, I mean, that in this market, but let's say three or four years ago, you could pick up a house for 20, grand 30 grand, and it was really difficult to get replacement costs at that low of a level, so you know, you're going to want to do, so when you're starting off, the lender will have certain requirements that may hinder you from making any decisions, they may already tell you, hey, you're going to get replacement cost, you're going to need ACB or you're allowed to have ACB, so I would always say check with your lender first. Anytime we start working with an investor, and they say, hey, I'm going to close on this property, we say that's great, connect us with your lenders, we can get your lenders terms. And then once we have those, we can kind of show the investor what kind of options they'll have.   Michael: Okay.   Jason: So the best way to maybe compare actual cash value replacement costs is when you're thinking about replacing a roof, let's say you have a $10,000 roof on a single family, and it's a 30 year shingle and the property is you know, 100 years old and let's say the roof is 15 years old, right?   Michael: Okay.       Jason: The replacement sost policy, if the hail comes through and sheds it and it blows off whatever the case may be the placement costs policies, just gonna replace it, doesn't really matter the cost. So if it's eight grand, 10, grand 12-15 the insurance period is going to replace it. An actual cash value, they're gonna say, hey, this, this, this roof brand new is probably 10 grand, you're 50% through the 30 year lifespan, so we're going to give you five grand and so now that equation applies to every single thing in your house, the door, you know, the paint, you know, the drywall, the flooring, the kitchen. So those things really do. If you don't have enough data building, it can really harm you. So, you know, if you're talking about buying from a turnkey, you know, operation, you know, like yourself with things or maybe fixed up, the next cash value doesn't really hinder you as much because if it was just updated, then the depreciation cyclize and starter, and so you're not going to get killed on it. But if you have a 30 year kitchen or 40 year kitchen, you know, you're probably gonna get 30 cents on the dollar to replace it.   Michael: Got it, okay.   Jason: So as you can see from a beginning investor, where they're buying their first one, you know, they're using that flush with cash, you know, usually they've, they've put together the nest egg to buy that first property. It's not like they got 30 or 40 grand set aside in reserves yet to compensate for that loss. So I always advise on the first one or two to go replace because and then as you build a portfolio and build up those reserves, then if you want to take a little bit more risk to save on premium, then you can do so.   Michael: Okay, Jason. So what is that like, is there a difference in cost savings for the investor? If they go with actual cash value versus replacement costs or how should people be thinking about that?   Jason: Sure. I think the easiest way to think about it is if you're buying a single family home, and let's say that single family home was $50,000, but it's 1000 square feet, 50 bucks per square foot is the market value.   Michael: Okay.   Jason: Many insurance companies will want to, in order to extend the replacement class coverage will require you to insure the building to 100 grand or 100 bucks a square foot.   Michael: Okay, just because that $100 is an arbitrary number, that's their number they come up with?     Jason: They feel like that they're getting enough rate or premium in order to extend replacement cost.   Michael: Okay.   Jason: So, you know, versus so let's say, an annualized basis, the replacement cost policy at 100 grand is $1,000…   Michael: Yeah.   Jason: …versus the ECB policy in trinet, and 50,000, is $500. So they just work their rates of, you know, their actuaries are back in the, you know, in the back room, making as much…   Michael: …punch the numbers away…   Jason: And that's exactly it and they just say, no, we need this rate in order to extend that replacement cost.   Michael: Okay, all right.   Jason: So, that makes sense.   Michael: It does and so, about, like, thinking about bur investors or value add investors, if I'm someone that goes and buys properties for 50 grand, knowing that they're going to be worth 100 grand after I put, you know, 20 grand into, um, what type of policy should I be looking for if that's my strategy?   Jason: Sure, yeah, there's a couple different ways to do it. So one, the insurance company always wants to kind of ensure exactly what you're buying. So if you're buying something for 50, grand, you know, and it's, it could be worth 200 grand, they're not going to ensure that the 200 grand right away. So we do have many investors that will buy that thing for 50 and they'll just say, hey, you know, what, we just got a kitchen done. It's not 30 grand, bump it up to 80 and you can tear it up, you know, throughout the year. Obviously, that's kind of a pain in the butt. So you want to try to maybe, you know, do it in bigger chunks or if you're just in this market gig can get contractors really fast just last time, right?   Michael: Yeah.   Jason: But that's probably about the easiest way to do it. It's just to kind of inch it up as you go. But here's the here's the thing is, everybody wants to insure for the ARB value, no, that's a replacement cost, or after repair value. But the insurance company is only going to pay out what you invested in it. So and they're not going to give you the market value. So if you buy the property for 50, and you've put 30 in and you're like, hey, man, now it's worth 120. That's great. But if as soon as you get that, you know that you've made the improvements, and you have a claim, the only amount that the insurance carriers gonna give you that 80 grand.   Michael: Really?   Jason: Yeah.   Michael: Even on a replacement cost policy or that now are we still talking about ACB?   Jason: No, if you rebuild it, you'll have the policy limits, but if you decide to not rebuild it, and just cash out, you're only getting the money that you put in.   Michael: Ah, even the replacments cost?   Jason: Yep.   Michael: Okay.   Jason: Yep and if enough times gone by, you know, meaning like six months to a year, then they'll bring in a third party adjuster, and kind of our appraiser I should say, and kind of give you say, and then at that point, they'll say, oh, yeah, it's worth 120.   Michael: Oh, okay       Jason: …Very, and so but if you just literally just finished and they're like, hey, man, last, you know, six weeks ago, you bought for 50 grand, and you just put 30 and you're telling me just, you know, what I'm doing for the yeah, we're not paying for the extra. Now to speed that up and say, okay, well, I'm gonna flip this thing really fast and I already have an offer. Well, as soon as you have that offer on paper that somebody says, I'm gonna buy it for 120, then they'll give you the 1/24. But there's a window of time that, you know, though, everybody says I just made, you know, I just made this money, but it's, it needs to season for a little bit for the insurance carrier to to pay that out. And that's kind of a little bit of a gray area. So I've never seen it where people really I've seen it online where people said, you know, I just took the loss right after it. I'm not getting, you know, the true market value, but this was worth. But it's never happened to one of my clients.   Michael: Okay.   Jason: It's a risk.   Michael: Well, you got Jason in your corner. I mean, no way it's gonna happen. That's really interesting, that's really interesting. Okay, so is that seasoning period that you've got up on the property?   Jason: Yeah…   Michael: Okay. That's really good to know.   Jason: Yeah. So as long as you get somebody right offers ASAP, during good again, and this market still works, right. So you're again dodged a bullet.   Michael: Okay, awesome…   And Jason talk to me, I mean, you're talking about the value add investor, calling their insurance agent telling them hey, I just put another 30 grand into this and so what it sounds like I'm hearing from you is that insurance is not a once a year type of thing, set it and forget it, right? If you're someone that's constantly adding value or making changes to property, there really needs to be a conversation with your insurance representative, not just a, hey, let's talk at renewal time.   Jason: Yeah, and I think especially for people who are buying new the brand, their first, you know, the beer method, and then they move to their second, people start to miss start to misunderstand that that's a major insurance change that you need to talk to your agent about. So as soon as you move your primary residence from your home, you know, from address one, to address two, a lot of times people forget that the first location is no longer a homeowner's policy, which is meant to be owner occupied.   But it's now a rental or a vacant building, or it's being rehabbed, whatever the case may be. But at that point, if people just leave a regular homeowner's policy on there, and it's been greater than 60 days, and you no longer live in there, you could have a denier, no declaration of a claim, because they're gonna say, hey, you stated that you live there full time and now you don't, you know, we're not covering any of these claims. So, oh, there's another shift…   So yeah, as you build a portfolio move from one to the other, you got to make sure that you have those, you know, those coverages in place. Now…   Michael: It makes total sense.   Jason: Yeah, I can jump ahead a little bit. But when you're doing one or two, and you're working with your home and auto, you know, agent, or whatever the case may be, you really have to be on top of it. Once you get to three or five or more, there are commercial policies that are built for that, or built for real estate ambassadors that kind of take that into consideration. When you're dealing with state farm and allstate or anybody like that anybody that you're ever home and auto with, that you're going to need, they're not going to make that change, then I can have the correct policy fit for you for that…   Michael Okay, okay, so and that leads me kind of to my next question. So I think so many investors who are just getting started, they've got maybe they own their home, or they're renting, and then they have a car and so they've got their auto policy and renter's policy or homeowner's policy, with a State Farm with Allstate with the farmers and so that's the insurance, that's kind of the they're known insurance world, as they start investing, they're likely that's the first person they're gonna reach out to is, hey, this is my insurance agent. So do those types of companies have great policies for investors, or should investors be looking elsewhere?   Jason: So I, they can have great options, you know, and I'd say, especially on the first one or two, if you're in a very good financial situation, where you have good credit, those, those insurance companies, their premiums are based on your credit. So you can have the exact same house, you know, with somebody with 100 credit, and they're getting $500 a year and somebody who's got 550 credit, they might get, they might be paying double or triple that amount, for that same property. So from that stance, you know, the first individual's probably best to stay with their home and auto carrier for that policy, that second person, you know, they may want to spin off and try and see if they can get a lower rate on a commercial policy.     Michael: Okay.   Jason: So it is it's, it's to each their own, what's going to be the best fit, but you can get, I would say that you can get some of your best rates and your first or second rental through your home and auto carrier. No, there's no, there's no doubt about it. Especially if you've been with him for a long, long time.   Michael: So good to know… And when you say commercial policy, what is that?   Jason: Sure. See the homerun auto policy like with you that you have with the State Farm, let's just keep using them as an example, you know, the number of the largest hole insurer home and auto. So those policy forms are the legal contract that it sits on is a personal form, it's meant for personal dwelling, commercial form is more of a policy meant for a landlord. So it's meant for business, right?   So it can be a rehab policy, a vacant building policy could be a non-owner occupied property, could be leased, triple net, what any of those scenarios are all going to be on a commercial foreign policy and it basically just removes the personal liability of the palace. So let's say you have your personal home, and you go play baseball over the weekend at some field and you hit somebody, your personal home and auto or your home policy will respond from a liability standpoint for your personal liability in that situation. A commercial policy will not it does not extend the liability off the premises. So, only somewhat a landlord don't big deal. Like you just want to be covered for that property on that property. And you're good to go. Obviously, but when you have a home, you know, you want to no matter what your shenanigans are over the weekend, you want that you want to make sure that's covered.   Michael: Right, right, right. Okay, yeah.   Jason: Hopefully that makes sense. That's kind of the main difference, main difference.   Michael: That makes total sense, that makes total sense. All right, Jason, let's shift gears here just for a minute and talk about people who are house hacking. So people who are kind of their landlord, but it's also their primary residence?   Jason: Sure.   Michael: What type of policy should they be getting?   Jason: So if it's still their primary home, they will want to be getting a homeowner's policy. Okay… And within that policy, and if the insurance agent sees that it's a duplex, they should automatically know to go ahead and add the landlord liability onto that policy, it should be built into their rating system. But it's really a little bit of both, you know, even if you have, you know, two properties, or two buildings on the same property or same parcel, you're living in the front, you have your garage rent on the back, whatever the case may be, as long as it's still on the same legal personal land, that needs to be a homeowner's policy.   Michael: Okay.   Jason: And then they just add landlord liability to cover that back unit.   Michael: Okay.   Jason: So that's first now, again, now let's say you move from that property, and you buy a nice one down the block, then the first property becomes a full blown commercial landlord policy, and you buy a homeowner's policy for the new building.   Michael: Perfect.   Jason: And that's just kind of how it keeps going.   Michael: Okay, perfect.   Jason: As soon as you get to four or five, single families, you know, or rentals. At that point, I advise, it's just usually easier to then silo both your home and auto coverage, and then your landlord portfolio. So it's okay to have a blended for a little bit. But at some point, you start to run into a risk, you know, I'm not at risk, but complications where the insurance company and I think, I mean, these numbers always change. But there's, there's other companies similar to allstate nationwide, you know, State Farm, where they may say, hey, we're only gonna allow you to have two rentals, and then you got to go commercial, well, their commercial policies, like four times the price of the home and auto policy that they feel that you could get paired up with your home and auto, so you're gonna want to get that, you know, you're just gonna run into a roadblock and at that point, you're going to go out and look for another standalone, you know, commercial policy. And at that point, it might just be best to just to just move them all to a new program. And that's usually kind of when people usually start to run into myself… I say I usually am fixing a lot of problems of people that have anywhere from, you know, three to 15, you know, properties or units, and they've still working with their personal home and auto carrier, and they just cannot, they can't do it, and they can't handle it, at least can't do it on a reasonable basis. Those policies are sometimes no good for the commercial lending that you then start to have to do after, you know you get was a 11 loans or something like that…. So I mean, there's it's a little bit farther down the road from a one to five space that we're talking about. But it's, it's kind of like right on the horizon if you're gonna keep growing.   Michael: Okay, so and in kind of continuing down that chain of thought, How should people be having these conversations with agents, brokers? I mean, what type of questions should they be asking? And how should they be kind of interviewing and screening folks as they're looking to make that transition?   Jason: And that is one of the toughest parts is like, how do you find the right agent? And there's really no fun to…   Michael: How to find Jason Bott?   Jason: …Right, because it's kind of like saying, I don't want to call us you sale, you know, car sales. You're asking a car salesperson, like, hey, who's the best car salesperson to buy a car from, you know, and it's, the way that you want to look at it is any sort of any of the people that you see a lot of commercials on the state farms, all states, they represent the one product, and it can be good, but it's still just one product. And then when you get multiple quotes from the other companies that have just, you know, are direct riders like Allstate, nationwide, they're still gonna have that one product. So when you, when you start to call around to an independent insurance broker, now, they will either be an independent, personalized agent, or most likely independent commercial, there's not that many that do both.   At least I would say that the people are really niching out into doing well in this space. So versus like myself, I represent about 50 different insurance carriers. So when you come to me, I'll have a bill almost fix any of those problems that you might be running into. Like, you can't get the LLC added on to the policy, you know, they'll say, well, no, we don't, we want to insure it on your personal name, and then add the LLC as is an additional, you know, interest on the policy, so collectively the correct way to do it. But a lot of those other companies, they'll do it just to write the policy. So in that case, the agents kind of solving your problem, but they just don't want to lose business, you know, they probably know that it should be set up slightly different, you know… So, I would say just realize that who are selling just the single solution, you know, it's still an option, but you also want to get the second opinion from the independent brokers as well, you know…     Michael: Okay and are all independent brokers created equal?   Jason: No, I mean, that that is another thing that's kind of hard everybody will say, hey, we just shot all the options will that that agent might only have access to three companies. So it's like, well, it's not all the options, but it's all the options they have access to. So the way it works in our industry, the way the distribution set up is, in order to get a contract with a specific company, you have to commit to a certain amount of volume. So that's why some of the larger brokers like myself will have more contracts, and will have more options for you. But it takes years and years and years. And if you don't produce enough volume, they will drop your contract, so that's, and then the other part of it is, that makes it difficult for investors just starting off is most people that are in my position, don't work on accounts less than 10 grand premium. So they're going to ignore the call for the one rental to rental three rental, they're just not and so when people are calling around, say, hey, no one's returned my calls, that's why they just don't want to screw around with it. So I just made a commitment to the space and I know that if somebody is buying one, that's usually not their end goal, it's just right, they usually want to get to some sort of financial freedom.   So whether that's 10 or 20, or 50, or 100, whatever the case, may be, I know if we can save all their problems up in you know, save or solve their problems on the front end, that will grow together, and we'll be able to get them set up correctly, you know, as they grow.   Michael: I love that… you willing to help people get there, you don't just want them once they've arrived.   Jason: Yeah, I want to see that you have all sorts of problems, going from one to 10 locations, there's a lot of growing pains, there's a lot of restructuring, again, you start to get the lending changes and everything else, you start the LLC stuff and if somebody comes to me with 50 locations, that's almost easier to do than if somebody has 15 and they want me to restructure it.   Michael: Really?   Jason: It's yeah, cuz it's just straight, they've already cleaned up all it... It's all commercial lending. We have now a big schedule, we just market the schedule, it's good to go versus, you know, always reworking one right now, I have a client that started with me about four years ago, you know, just one at a time and they have about 25 and he has them, I think he's got five different companies. You know, it's just, he's been in all sorts of different states. So he's an Indiana, Wisconsin, you know, Ohio, and so that we just kind of plug and play them in the best spot and now we're just restructuring them all onto a single date. One policy, and I'm you see even a little bit of money, but in this in this market, it's about apples for apples. You know, a couple years ago, you could if you consolidated everything receiving everybody about 20%. That was that was really easy to there's no selling involved there…   Michael: And, Jason, I want to know, because it's a question I get all the time, there's three different values that people see and get really up in arms when they're not the same and that's purchase price, you know, whatever they paid for it. That's insured value and that's often taxable value at the county level. So can you talk to us, I mean, what is the insured value if I insuring this property for 200 grand, and I bought it for 100 grand, I mean, why is there such a disconnect there?   Jason: Sure, well, the first part goes back to the beginning of our conversation about where the insurance carriers need to have a certain amount of good, the replacement cost. Well, let's call that 100 bucks per square foot, right. But the other part is, what's it going to cost in total to replace the whole entire policy? Or the building I should say, right, and unfortunately, with what happened last year, in 2020, with the escalating, you know, construction costs, in material cost, then number has grown by like 30%. So, right now we're seeing in 2021, is we're seeing that, you know, last year, they had the insurable building was 200 grand now they're saying, you know, what, we need really need 230 this year, and people are like, why still only bought it for 100, right? And but the problem is, is lumber has gone up, you can't find a contractor to get the work done. When you do have a if you have my we're rebuilding the building, so if you have a kitchen fire, you know, on and I know you've had a claim, and you've gone through a claim, personally, so you know how long this stuff can…   Michael: Very close to home…   Jason: Right?... The shortage of contractors, it extends the project within obviously escalates the cost. So that's just all a byproduct and that's what's driving up the insurable building value. So what is a kitchen fire that used to be all knocked out be able to be knocked down for months, is now taking seven months, eight months, and that holding costs there for the loss of rents, payments and so forth, that's just going up.   And so that's why that insurable and building the limit is just getting kind of higher and higher. It's for labor costs and building costs. I believe that with the way that inflation and go is going and everything, if it slows down the market a little bit, I think that will level everything off a little bit, for year or two, but we're still seeing on all of our renewals from last year, we're still seeing 15%, 20%, you know, increases on what the insurance carriers we're now insured to.   Michael: Wow, okay…   Jason: You know, and we can, we can push back and you know, the sum, you know, if you have a big enough portfolio, and you're able to push back and just say, well, I'm willing to take a little bit of a risk. So instead of 100% of the claim being paid, maybe 95% of it gets paid and I'm going to keep the building values the same. I mean, that's another strategy to kind of keep your cost in line.   Michael: Okay. So Jason, is it fair to say then that when you get a quote from an insurance company, or a broker that it is, you know, take it or leave it? It is, but it is, or it sounds like you're saying that you might have some negotiating room there?   Jason: Sure. I would say that on the personalized side, there's very little negotiating power, the or flexibility, I should say, usually those agents that punch in the information to the system, and the insurance companies just saying, hey, this is what you need to insure to. On the commercial side, we do have a little bit more flexibility and you can push back on those values and maybe you're able to, instead of insuring it for you know, a property like say, for 200 grand, and now it's 230 was a note, we want to keep it at 200,000, the insurance company might say, well, that's fine, but you're now insured to about 90% of where it should be. So if there is a claim, you might only get nine, you know, 90 cents on the dollar. You know, if for some investors are okay with that, so, but personalize is difficult commercial, you do have more flexibility. So if that's, you know, if you're in the lower end market, then that's probably where you the commercial might be a better fit for you because of that.   Michael: Yep. Okay, that makes total sense. Jason, let's transition now to talking about like actual coverages, because I love for the show to be actionable and we have, you know, give people things to go then do. So as an investor, what coverages should people expect to see standard? And then maybe what coverages do people need to ask for and should consider thinking about?   Jason: Sure. So the three that are almost non-negotiable that you want to have on every single policy is your your property coverage, so just be the building coverage, okay. Your general liability, or premises liability be named several different things, and your loss of rents, or business income, depending on what kind of policy you have. So, the building covers, obviously, the building case of the fire, the general liability covers, in case there's a slip and fall. And I don't really recommend, again, on a personal policy, your max might be 500,000. But it's usually the go to a million, and might be another eight bucks per year. So we just write a million straight across the board and we never really go any lower than that. And then the last part is business income or loss of rents and that's if in case you do have a fire, and you have the property leased out, then you go ahead, and they will cover the loss of rents up to a year while you while that property is being repaired.   Michael: Okay, so…   Jason: Those are the three that you've really shouldn't weigh wrong at all, and they should be on every single policy.   Michael: Okay and to your point previously, about the kitchen fire that used to take four months to repair is now taking seven months, eight months on the loss of rent stuff, is there the ability to get coverage beyond a year if you know, in the case, like we had those California fires and neighborhoods just got decimated off the face of the planet, those homes aren't getting rebuilt inside of the year. So is there some additional coverage that you can get if you're concerned with those events?   Jason: It's not common on a personal policy, we'll use a capita 12 months the same with most small commercial policies. But if you're good to go, there are some portfolio policies out there and again, a portfolio might be three on a policy or five on a policy or 10. Those are usually the minimums for most of the programs. They can go up to 18 months or 24 months…   You know, it's funny, most people just say, No, I don't know, I just need six months, we can get knocked down six months, then you have those natural disasters, like even then people will realize it, but if there's a big natural disaster, like down to Florida, or any of the coasts, all those surrounding states, like all the contractors, they take off, because they're making three times as much right on the storm areas, because it's all insurance work. And then there's no way to, you know, and then your backup, you know, 500 miles from the coast and you have your kitchen on fire and there's nobody to fix it. And now that things taken more than a year, so you know, you don't want to you don't want to go too far down the rabbit hole, but that that does happen. So I recommend four months of loss of rents for sure.   You know, especially again, in your yeah, in your first one to five locations, yeah, 12 months minimum that's what I suggest.   Michael: Okay, love it.   Jason: So yeah, some of the other ones that are kind of always on the fence and the one that we get the most probably most questions on is the backup of sewer and water. Because that's on your homeowners policy and it's usually not on a on a rental policy usually have to ask to get it endorsed onto your policy. So, and that is just any sort of backup sort, it can happen in the kitchen gap in the bathroom a gap in the basement. There used to be a fire of $10,000 limit on there and it usually costs you about 1500 bucks per year. And I say, it's really up to the individual investor, if they think it makes sense. The problem with those claims is if you find out once usually, they're gonna remove it off your policy the following year and I'm specifically talking personal home and auto policies, right.   They will, so you get one shot at it, and then they're gonna penalize you for filing the claim. So, all my other landlords, anybody that's got more than five locations, we just do not care that coverage on there. You know, they'll just send their crew over, they'll pay out of pocket and go, hey, if I have 20 locations, I'm saving two grand a year. But I can send Joe over there for seven or 50 bucks, we'll get it cleaned up, and I'm head for the year. That's usually how investors just try to teach how they kind of grow out of that coverage, if you will, right.   Michael: Okay.   Jason: Okay, the next one, which is really important for, it's probably the most overlooked one, is building law and ordinance. You know, and you have older buildings. So you're familiar with some of that, yes, but let's just say you have a, you know, a 1900 building, or a building was built in 1900 and the front door is 29 inches wide, or some odd, you could you go ahead and you have a kitchen fire and then the fire department comes over. And they they put it out, they bust out some walls and then now the building inspector for the city comes over and says, Well, that's great, we can we can do this. But in order to grant occupancy permit here, we got to bring the rest of your building up to code, okay. So in the insurance world, the fire damage is covered.   But anything that you're voluntarily destroying, and upgrading, that's not an insurance claim, unless you are below the law and ordinance. So that's what picks that up. So if you have a building, usually 1970 and above, or in younger, usually, it's not that common that you're going to need it, but for older buildings, you know, especially older parts of the country, and if you know you have a rental, it's really wonky. It's got all these goofy, you know, like the fuse boxes inside the bathroom, or, you know, we've had egress doors needing to be put in, in replace of closets. You know, I had eight units, one time where all the meters were in the basement, and they needed to be moved outside of the building that was 35 grand for that for the electrical, you know, for the gas company to do that and that was a really long Norden's claim, you know, so you just kind of got to keep your eyes open. If you like, boy, this just doesn't seem right. I think most people will feel like, you know, you walk into the house, and then you walk down to stairs and the walk up forced, like, you know, you're probably gonna want to get building on the ordinance coverage there.   Michael: Totally, I mean, it's interesting, you talk about kind of that 1970s vintage, I've got my very first property was 2004 build and it's something that I carry on that property too. Because in California, all residential properties, I think it's post 2008 have to have fire protection sprinklers?   Jason: Yeah.   Michael: So the house burns down and has to get rebuilt, there's an extra cost there that I need to incur even for, you know, newer property like that. So…   Jason: That's, and that's very common, once you get into the multi families into I just tell people, hey, call the city see what their guidelines are. Because if you have a 16 unit or something large, and you need to retrofit that thing with a sprinkler system, it could be 200 grand, you know, to do that. So that's why I say just kind of take a look around and see if it's, if it's walking, just get thrown on there, just in case, but that's another one that could cost you a lot of money. So and then, I mean, lastly, we talked about at the beginning, but I would say the other thing is most people just keep their liability limits so low, you know, cuz some first lines, companies can go to 50,000 or 100,000 for the liability limits and, you know, that's for anybody that's slipping and falling on your property.   So if you don't have, you know, the right window, or whatever, and the kid falls out of the window, even if it's on the first store, and he breaks his arm and now he needs rehab for you know, you're doing he has some sort of permanent disability. I mean, it's that's gonna go beyond 100 grand, you know if it will be on 300 grand, and that's a very possible I mean, I had a $25,000 claim because somebody, it was a overweight woman who was too heavy on the front porch, and she crushed the porch, and then they couldn't, you know, she couldn't get herself out. So they had to call the ambulance and that was like a $25,000 claim because they claimed the porch wasn't up to par, but she was you know, she's a very large woman and so…   Michael: Oh my gosh…   Jason: You know, and I've had people I had a $50,000 claim about a hole in the front yard that probably one of the tenants kids just dug in and somebody went through and mean, like blew out their knee and that was a claim, you know? And again, those are very, like that stuff happens all the time, falling down the stairs. Well, you didn't secure the carpet good enough, you know, I want you to pay for all my knee damage, you know? I mean, is it that common? No, but I mean, we have several of those per year, you know, last year, so we rarely everybody gets all excited about having an umbrella policy, you know, your general liability goes to a million that you can buy another million, I've never had a claim go over a million dollars on a single family home. So I always say a million is probably adequate, all these other little nuisance claims. You know, can get can get over those that 100,000 $300,000 mark.   Michael: So okay. Okay, perfect and you touched on it and it's the last question that I'm gonna ask you, Jason, before I let you add here, how should people be thinking about liability limits? And I know, you just touched on it. But is there kind of a good guidance or rule, you know, ballpark to think about how much coverage someone needs?   Jason: Sure. Well, I think the part that I didn't address was, let's say you are doing a house hack and it's a, it's a triplex, you know, and sometimes even seen people pull off a four Plex as their first their first property. Well, I would say, I don't know if Michael, I know if you believe me, but people have done it, people have done it, you know…     Michael: It's very impressive   Jason: Right, right? And in those cases, now, even if you're living there, obviously, now you have three tents, right. And now you can have all those different parties, you know, suing you, right? So that's, that's first part is how many people can sue you.   The second part is, for those people, if they're injured, or whatever the case may be, there's, there's a loss of income factor that when a lawyer Suzu is like, hey, how much income can this person made, you know, and that you cause their injury. So, if you have, you know, working class people that are making 30-40 $50,000 a year, you know, those that then number doesn't get up that high. But you know, if you have, you know, or if you're in a metropolitan area where the, you know, like, you're in California, or if you're in New York, and you happen to be renting there, I, you know, people make much more, they're making 100 grand, you know, and so if you have three people making 100 grand that sue you, you know, through the 1000s not gonna, you're probably gonna be underwater, somehow. We deal with that. So that's another factor is how much what kind of clientele you have.   The third is just in the state that you're in, is it landlord friendly or is it is a tenant friendly, because if it's tenant friendly, then you probably want to go higher, um, there's some southern states that do just they're very landlord friendly. So the liability limits are really, really low. But you know, you get into certain, you know, Chicago, Miami, New York. I mean, anything happens that people just, they're suing and they're hitting the million dollar mark, pretty easy. So that's your thing is what municipality are you in? Okay and, you know, what's, where are they leading...   Yeah, that one and then I think the other thing, too, is just, are you the one maintaining the property? Are you the one renting it out? Now, obviously, if you're in your first one, you're your second one, chances are that you are, but I also work with a lot of out of state investors, you know, they're in California, and they're buying, you know, you know, in Tennessee, in Ohio, and I know, that's part of your clientele as well. In that case, I'd say if you're depending on your property manager, to do all that stuff. They may tell me maybe telling you they're doing it all? Oh, yeah. You know, I shoveled and yeah, that's good to go and, yeah, that that's fixed. But, you know, you don't know for sure. So I always say, I would always err on the higher limit limits. If you're not the one actually take care of the policy, you're the one that's got the finger on the pulse of the building.   Michael: Okay. But if I have a professional property manager, is there some risk reduction, that now there's kind of a buffer with a property manager in between myself and the property?   Jason: You can, but the when the claims work in the insurance world, as is one of those, the property manager always asks to be added to your policy. So like, any claim on the policy gets filed through your policy, right? So your policy is gonna, you know, so now there's a claim on the property, and the tenant sues you, and your policy is gonna pay and you have $300,000 limits, they're gonna bring in the other possibly bring in the other party, but the contract states that, that no, it's only on your policy. So now, you go beyond your $300,000 payment that's on you personally and now you got to go after the property manager for the difference. Well, that whole process is like a five to seven year process, right? So you just don't want to have to ever go on your own pocket. I mean, the whole purpose of buying is to make more money, right? Not and not to be paying out all these things. So that's why I just say, just go with a million on a single family and it just solves most of the issues I just reviewed. I mean, they're kind of just all taken care of. But sometimes people are like, hey, I'm gonna save that 15 bucks and that's 15 bucks, right?   Michael: Where's the $15 that you have ever made?   Jason: And you know, but they're all super excited about the water sewer backup, and I say just take that money and put it towards the liability. You may have a wet basement for a little bit, but, that's the way I would look at it.   Michael: Okay. Jason, this has been awesome, man. Thank you so much for taking the time, there's still so much more that I want to talk to you about. I'm sure we'll have you back. But for those people that want to get in touch with you to have additional questions or want to reach out to you for your insurance needs, what's the best way for them to do that?   Jason: Sure. You can give me a call at 494-270-6834, that's my main office line. Or you can drop me an email at: jbott, That's J Bo TT @robertsonryan, that's R O B E R T S O N R YA N.com - jbtoo@robertsonryan.com and I currently have four team members, I mean, Michael, you're familiar with most of them. I also do is work with my real estate investors. So we try to continually stay overstaffed so that we can respond to people fast and get people through closings. Because it's always a it's always an issue well, so yeah, appreciate the time that Michael   Michael: Absolutely, Jason, we'll be chatting soon. I'm sure.   Jason: Sounds great.   Michael: Alright everyone, when that was our episode, a big thank you to Jason, we look forward to having him back on to talk about all of the other things insurance related. I know I get really giddy about it, hopefully you do too. If you enjoyed the episode, please feel free to leave us a rating or review wherever it is you are listening the podcast and as always, we look forward to seeing the next one. Happy investing…

Coming up on this episode, we are celebrating the ethnic and cultural diversity that makes the food of the American Midwest unique.  In Champlain, Illinois, we meet Alex Sentowski and Jennifer Gunji-Ballsrud, the founders of Suzu, a Japanese bakery brings a traditional Japanese menu to a Midwest college town. Then, in Holland, Michigan, we visit with members of the local Latino community who have brought their culinary heritage to the region.  Johnny  Rodgriguez  is the Executive Director of Latin Americans United for Progress  and Jackie Navarrete is an owner of Mi Favorita Grocery. Together they discuss the history of hispanic migration to the area, as well as some particular culinary highlights from their community.Heritage Radio Network is a listener supported nonprofit podcast network. Support Eat Your Heartland Out by becoming a member!Eat Your Heartland Out is Powered by Simplecast.

Review các phim ra mắt tại các rạp từ ngày 25/02/2022 BỒ CŨ C18 Đạo diễn: Evgeniy Puzyrevsky Diễn viên: Konstantin Beloshapka, Vera Panfilova, Ekaterina Shumakova Thể loại: Hồi hộp, Kinh Dị Khi còn ở tuổi thiếu niên, Sasha (Konstantin Beloshapka) từng yêu say đắm một cô gái rất xinh đẹp. Hàng loạt những tấm ảnh tình tứ được Sasha đăng lên mạng như một sự khoe khoang với bạn bè. Nhiều năm sau, Sasha nay đã trở thành một người đàn ông và sắp sửa kết hôn với người bạn gái hiện tại là Katya (Vera Kincheva). Khi Sasha đang chuẩn bị đám cưới, thì tấm ảnh giường chiếu của anh cùng người yêu cũ ngày xưa bỗng dưng được “đào mộ”. Sasha không thể ngờ rằng, quá khứ mang tên “người yêu cũ” lại là điều đáng sợ nhất trên thế giới. BỐ LÀ CON GÁI MẸ TÔI C16 Đạo diễn: Jean-Patrick Benes Diễn viên: Alexandra Lamy, Franck Dubosc, Christiane Millet, Rose de Kervenoaël Thể loại: Hài Bố Là Con Gái Mẹ Tôi là câu chuyện hoán đổi bất đắc dĩ giữa các thành viên trong gia đình nhà Morel. Ở tuổi 50, Alain Morel cảm thấy như đang trải qua một cuộc khủng hoảng cuộc đời khi công việc trục trặc, người vợ ngày một thờ ơ với anh, còn ba đứa con không chịu nghe lời. Trong chuyến du lịch mừng sinh nhật cô con gái út ở công viên giải trí, Alain đã ước rằng anh có thể thay đổi gia đình hiện tại. Điều ước vô tình bỗng linh nghiệm, nhưng lại theo một cách dở khóc dở cười: linh hồn của các thành viên trong gia đình đã bị hoán đổi cho nhau. Từ đó, vô vàn tình huống bất đắc dĩ đã xảy ra khiến cả gia đình nhà Morel trở nên rối loạn. Họ sẽ giải quyết tình cảnh trớ trêu này ra sao? Liệu còn điều gì bất ngờ xảy ra khiến họ phải đau đầu hơn thế nữa? DÒNG MÁU ĐẶC CẢNH C16 Đạo diễn: Lee Kyu Man Diễn viên: Cho Jin Woong, Choi Woo Shik, Park Hee Soon... Thể loại: Hành Động, Tâm Lý, Tội phạm Để đổi lấy tập tài liệu mật về người cha đã khuất, chàng cảnh sát trẻ Choi Min Jae mạo hiểm tham gia vào chuyên án hòng “lật tẩy” tay đội trưởng điều tra khét tiếng Park Kang Yoon. Trước những tên tội phạm mưu mô, lòng chính trực của một cảnh sát mới vào nghề hay sự lão luyện, quyết liệt bất chấp ranh giới của đội trưởng Kang sẽ lên tiếng. SWORD ART ONLINE THE MOVIE - PROGRESSIVE - ARIA OF A STARLESS NIGHT C13 Đạo diễn: Ayako Kono Diễn viên: Yoshitsugu Matsuoka, Haruka Tomatsu, Inori Minase Thể loại: Hoạt Hình Sword Art Online: Progressive là một phiên bản mới của bộ truyện Sword Art Online bắt đầu mở ra chuyến phiêu lưu sử thi tại thời điểm đầu của Kirito và Asuna's – ở cấp độ đầu tiên tại thế giới chết chóc trong tòa thành bay Aincrad! BELLE: RỒNG VÀ CÔNG CHÚA TÀN NHANG Đạo diễn: Mamoru Hosoda Diễn viên: Kaho Nakamura, Ryo Narita, Shota Sometani Thể loại: Hoạt Hình Suzu là một học sinh trung học bình thường, nhút nhát sống ở một ngôi làng nông thôn. Trong nhiều năm, cô ấy chỉ là cái bóng của chính mình. Nhưng khi bước vào "U", một thế giới ảo rộng lớn, cô ấy thoát vào nhân vật trực tuyến của mình là Belle, một ca sĩ tuyệt đẹp và được yêu mến trên toàn cầu. Một ngày nọ, buổi biểu diễn của cô bị gián đoạn bởi một sinh vật quái dị bị truy đuổi bởi những người cảnh giác. Khi cuộc săn lùng của họ leo thang, Suzu bắt tay vào một nhiệm vụ đầy cảm xúc và sử thi để khám phá danh tính của "quái thú" bí ẩn này và khám phá con người thật của cô ấy trong một thế giới mà bạn có thể là bất cứ ai. --- Support this podcast: https://anchor.fm/kim-thanh-duong/support

In this episode, Jason & Suzu share their takeaways from our interview with business owner and founder of Grand Rising Institute, Ruben Munoz. For more information about LIFE OF A BOSS The Podcast, visit:www.lifeofaboss.netClick to listen to LIFE OF A BOSS The Podcast on Apple Podcasts:https://podcasts.apple.com/.../life-of-a.../id1587842889Click to listen to LIFE OF A BOSS The Podcast on Spotify:https://open.spotify.com/show/4sw9u9v5nZSYgg5wb115p6For more places to listen to LIFE OF A BOSS The Podcast:https://lifeofaboss.buzzsprout.com/To browse and purchase official gear, visit:www.hardwayenterprise.com/bossshopSupport the show (https://www.paypal.com/donate?token=NXkHaeIyWIECgTBy9DhjMqBgm1CZGEqOFhQPjSox1grS2oSumJYFvteAMuHyXXt_TTqoxMfs8WvCYb3y) Support the show

In this episode, Jason & Suzu share the takeaways from our interview with fast-rising real  estate agent and entrepreneur, Letrice Barge. For more information about LIFE OF A BOSS The Podcast, visit:www.lifeofaboss.netClick to listen to LIFE OF A BOSS The Podcast on Apple Podcasts:https://podcasts.apple.com/.../life-of-a.../id1587842889Click to listen to LIFE OF A BOSS The Podcast on Spotify:https://open.spotify.com/show/4sw9u9v5nZSYgg5wb115p6For more places to listen to LIFE OF A BOSS The Podcast:https://lifeofaboss.buzzsprout.com/To browse and purchase official gear, visit:www.hardwayenterprise.com/bossshop Buzzsprout - Let's get your podcast launched! Start for FREEDisclaimer: This post contains affiliate links. If you make a purchase, I may receive a commission at no extra cost to you.Support the show (https://www.paypal.com/donate?token=NXkHaeIyWIECgTBy9DhjMqBgm1CZGEqOFhQPjSox1grS2oSumJYFvteAMuHyXXt_TTqoxMfs8WvCYb3y)

In this episode, Jason and Suzu discuss their best takeaways from our interview with Robin Salzar.For more information about LIFE OF A BOSS The Podcast, visit:www.lifeofaboss.netClick to listen to LIFE OF A BOSS The Podcast on Apple Podcasts:https://podcasts.apple.com/.../life-of-a.../id1587842889Click to listen to LIFE OF A BOSS The Podcast on Spotify:https://open.spotify.com/show/4sw9u9v5nZSYgg5wb115p6For more places to listen to LIFE OF A BOSS The Podcast:https://lifeofaboss.buzzsprout.com/To browse and purchase official gear, visit:www.hardwayenterprise.com/bossshop Support the show

This episode is sponsored by SEARCHHUSTLE.COM.In this episode, Jason & Suzu unpack their best takeaways from interview with Tasha Jackson of STFU Designs.For more information about LIFE OF A BOSS The Podcast, visit:www.lifeofaboss.netClick to listen to LIFE OF A BOSS The Podcast on Apple Podcasts:https://podcasts.apple.com/.../life-of-a.../id1587842889Click to listen to LIFE OF A BOSS The Podcast on Spotify:https://open.spotify.com/show/4sw9u9v5nZSYgg5wb115p6For more places to listen to LIFE OF A BOSS The Podcast:https://lifeofaboss.buzzsprout.com/To browse and purchase official gear, visit:www.hardwayenterprise.com/bossshopSupport the show