Podcasts about Trupanion

Jonathan Treussard, founder of Treussard Capital Management, says that the current market decline is not a real surprise, but the whipsaw of emotions — moving from a can't-miss certainty that things were going up to hand-wringing today — is taking investors by storm, making them want to take actions even when the best strategy is to ride this out. "Success grows in silence, and the market is really attuned to noise," Treussard says. "Your job is to sit there with peace in your heart and focus on the silence." Kate Byrne, head of Vanguard Cash Plus discusses a recent Vanguard Consumer Savings Survey which showed that six in 10 Americans did not completely understand how interest rates can impact the money they save, which is why nearly half of them who are currently saving are settling for accounts earning less than 3 percent interest. Kyle Guske, investment analyst at New Constructs, puts Trupanion back in the Danger Zone, noting that the pet-insurance company is barking louder as a dog despite recent pullbacks after an earnings miss.

EuroParcs zit in financiële nood. Met een nieuw schuldenakkoord probeert het bedrijf gedwongen verkoop van parken te voorkomen. De grootste aandeelhouder, investeringsmaatschappij Waterland, zal het grootste bedrag moeten bijstorten. EuroParcs kampt met een schuld van meer dan €200 miljoen aan financiers zoals Ares, Rabobank en ABN Amro. Onderzoeksjournalist Joris Polman vertelt wat deze deal betekent voor de betrokken partijen en de toekomst van EuroParcs. Lees: Waterland moet bijstorten om EuroParcs te redden  UniCredit heeft zijn belang in de Duitse Commerzbank verhoogd tot 21%, wat heeft geleid tot een scherpe reactie van bondskanselier Olaf Scholz. Deze aankoop wordt gezien als een vijandige overname en veroorzaakt grote politieke onrust in Berlijn. Het Italiaanse UniCredit nam twee weken geleden al onverwachts 9% van de aandelen van Commerzbank over. UniCredit's bestuursvoorzitter Andrea Orcel is volhardend. Verslaggever Pieter Couwenbergh vertelt hoe deze onverwachte overname de bankensector opschudt. Lees: Scholz haalt hard uit naar UniCredit na aankoop aandelen in Commerzbank en Italiaans UniCredit verrast Berlijn met greep naar Commerzbank  De afgelopen zes maanden steeg de aandelenkoers van de Amerikaanse huisdierenverzekeraar Trupanion met 63%. En dat is te danken aan de hoge prijzen bij de dierenartsenpraktijken, die massaal worden overgenomen door private equity. Om (te) hoge rekeningen te voorkomen, kiezen steeds meer baasjes ervoor om hun hond of kat te verzekeren. Ook in Nederland is er een gat in de markt, vertelt beursredacteur Jennifer Mol. Lees: Een huisdier brengt vreugde... en een lege portemonnee  Redactie: Lara Mattheij en Anna de Haas Presentatie: Anna de Haas See omnystudio.com/listener for privacy information.

In this episode of the Veterinary Innovation Podcast, Shawn Wilkie and Dr. Ivan Zak welcome Derek Cummins, CEO and Co-founder of PetExpert, to discuss the evolution of pet insurance, its challenges, the impact of inflation, and the importance of integrating technology. Learn how Pet Expert's innovative approach led to its acquisition by Trupanion and what it takes to succeed in the global pet insurance industry.   Learn more about PetExpert. Discover more about Pet insurance superpowered. Derek recommends “Outlive: The Science and Art of Longevity” by Peter Attia.

How much of the realities of your business do you want your audience to see? The truth is, there are benefits to baring it all.Especially when you're a startup, showing your trials and tribulations endears your brand to viewers. It feels raw and real and trusting. It's a way to build an audience of dedicated fans. And in this episode, we're learning about this kind of radical transparency from Jeremy Clarkson.Known in the car world for his shenanigans and quick wit on the show The Grand Tour, Jeremy Clarkson is now learning how to farm on his new show, Clarkson's Farm. He's doing what we call “building in public,” and showing viewers what it's really like to grow a farm from the ground up. That's one of the things we're talking about this week on Remarkable with the help of our special guest, Co-Founder & SVP of GTM Strategy at Passetto, Sidney Waterfall.Together, we talk about the benefits of building in public, using comedic tropes to add humor to your marketing, and transitioning your audience to a new POV. About our guest, Sidney WaterfallSidney Waterfall is the Co-Founder and SVP of GTM Strategy at Passetto. She's a sales and product-led B2B SaaS Marketer that transitions marketing teams from MQL's to revenue. Prior to her current role, Sidney served as SVP of Growth at Refine Labs. She has also previously held marketing roles at Ally.io, Trupanion, Simply Measured, Microsoft and Verizon.What B2B Companies Can Learn From Clarkson's Farm:Build in public. Show the real, raw moments with your audience as a way to be transparent and build trust. Sidney says, “Share your experience to connect with your audience and become relatable. [Jeremy Clarkson] was known in the car world. He has a huge audience. He's trying something else. So he's like, ‘I'm just going to show the real raw moments.' And they do on the show. They show exciting moments, they show frustrating moments. I think that is becoming more popular in the B2B space. People are sharing their journey of building a company or building a product or using a product, and they're being a little bit more transparent with the ups and downs of that, even when they're marketing to a certain ICP.” She adds, “I think that helps content really resonate with people and that helps people build audiences and brands build audiences through that type of strategy.”Add humor by using comedic tropes. Sidney says, “Good writing or copy stands out with a bit of humor. And wit is very effective.” Ian adds, “There's a comedic lesson there any time you have a fish out of water. You take someone who knows nothing and put them with a bunch of people who know lots of stuff.” It's like how Jeremy Clarkson doesn't know anything about farming and he's surrounded by farmers trying to help him work his land. Viewers are also learning while watching the show, so it's a great way to edutain as well.You can transition your current audience and acquire new audience members from a new POV or a new niche. Jeremy Clarkson will draw viewers from his previous show, The Grand Tour, to his new one, Clarkson's Farm, because he's built a name for himself. And he'll also gain new viewers who are interested in the concept of his new show. So some will have been interested in cars, some in farming or homesteading, others in Jeremy Clarkson as a personality. Sidney says, “This is applicable to my current situation of going from one brand that was very well known with a huge founder brand, and now standing up another company underneath that same founder.” She says, “We have an incredible audience to use and leverage. So really positioning our founder's brand as multiple businesses. And he's talking to a different level of audience than he previously was. So from his content strategy, we're changing up who the content is targeted for. And then on the side of that, it's like, ‘Okay, how do we build the brand of Passetto outside of the founder at the same time as we start to scale so that people in the market know the difference between Refine Labs and Passetto?'”Quotes *”One of the things that I thought you did so well at Refine Labs was naming the problem with something specific. To say, ‘Dark social is the thing that is happening. And here is how you go attack it.'That is the part of thought leadership that just frames the audience so quickly into solve and learn mode, and is super important. You have to find the thing that's going to resonate, and be easy to say and easy to understand.” - Ian Faison*”[Jeremy Clarkson] is definitely the main character, what kind of makes the show. And I relate that to marketing as, like, that's the founder brand, or like, that's like the face of the company or the spokesperson. And he's been able to take his massive audience and transition some of that over, but also acquire a new audience into his brand. But he's still being very true to himself, his personality and his character. It's like rinse and repeat what he was doing over in the automotive space in this new space.” - Sidney WaterfallTime Stamps[0:55] Meet Sidney Waterfall, Co-Founder & SVP of GTM Strategy at Passetto[2:28] About the Creation of Clarkson's Farm[4:01] Jeremy Clarkson's Farming Journey[7:50] Showing the Realities of Farming[20:39] Marketing Lessons from Clarkson's Farm[24:12] Using Comedic Tension in B2B Marketing[25:46 How to Transition Audiences with a New POV[27:50] Building a Brand Outside the Founder[28:47] Sidney's Content Strategy and Execution[36:00] The Importance of Thought Leadership[40:40] Sidney's Favorite Content Projects and How She Proves ROI[46:51] Sidney's Advice for Other Marketing ProfessionalsLinksConnect with Sidney on LinkedInLearn more about PassettoAbout Remarkable!Remarkable! is created by the team at Caspian Studios, the premier B2B Podcast-as-a-Service company. Caspian creates both nonfiction and fiction series for B2B companies. If you want a fiction series check out our new offering - The Business Thriller - Hollywood style storytelling for B2B. Learn more at CaspianStudios.com. In today's episode, you heard from Ian Faison (CEO of Caspian Studios) and Meredith Gooderham (Senior Producer). Remarkable was produced this week by Meredith Gooderham, mixed by Scott Goodrich, and our theme song is “Solomon” by FALAK. Create something remarkable. Rise above the noise.

◆Voicy新チャンネル開設！【獣医Sara先生のペットの暮らしと健康】 https://bit.ly/3sLljup 【今週のイベント

Wrapping up May, what'd you miss in vet med?CVS Group offloads NL and IE practicesPetfolk ranks with NewsweekMixlab expandingModern Animal enters the AI discussionTrupanion gets thumbs up to hike ratesSubscribe to the Fountain Report weekly newsletter: https://bit.ly/3JTYjRz

Scott Wren, senior global market strategist at the Wells Fargo Investment Institute, expects the Federal Reserve to cut rates, but no more than twice this year and in September at the earliest, and he says it's increasingly likely the moves won't start until 2025. The amazing thing, Wren says, is that the stock market got to where it was flirting with record highs despite investors adjusting from six projected cuts this year down to potentially none. He says market valuations are high and he expects them to give in to economic pressures to move lower, but long-term he's positive on equities, liking industrials, health care and energy stocks while trimming technology and communication services, the big winners from 2023. David Trainer, president at New Constructs revisits pet-insurance company Trupanion, a Zombie stock that he says may be worth shorting as its business model is flawed and unlikely to be turned around. Plus, Larry Swedroe, chief research officer at Buckingham Wealth Partners, discusses his new book, "Enrich Your Future: The Keys to Successful Investing."

Trupanion, Inc., Q3 2023 Earnings Call, Nov 02, 2023

Dr. Natalie Marks joins Dr. Andy Roark to discuss her recent article on "The Daring Release of Perfectionism." They discuss how the selection process for veterinary school and success within veterinary school may favor perfectionistic tendencies, and the drawbacks these tendencies have in practice. Finally, they talk about how to manage perfectionism and make peace with it. LINKS: ARTICLE: https://todaysveterinarybusiness.com/perfectionism-fearless-0423/ Marks DVM Consulting: https://marksdvmconsulting.com/ Dr. Andy Roark Resources: http://linktr.ee/DrAndyRoark Upcoming Webinars: https://drandyroark.com/webinars/ ABOUT OUR GUEST: Dr. Natalie Marks obtained her bachelor's degree with High Honors in Animal Science from the University of Illinois in 1998, and then proceeded to obtain a Masters in Veterinary Medicine and Doctorate of Veterinary Medicine degree with High Honors from the University of Illinois College of Veterinary Medicine. She became a Certified Veterinary Journalist in 2018. She has been a veterinarian at Blum Animal Hospital since 2006, co-owner until 2018 and current associate. Prior to 2006, Dr. Marks worked at Allatoona Animal Hospital just north of Atlanta, GA. Her media experience began in print when she created several monthly veterinary columns in multiple community magazines and was a frequent guest speaker for the German Shepherd and Bernese Mountain Dog clubs of Atlanta. Dr. Marks has received many prestigious awards in her career. She was awarded the Dr. Erwin Small First Decade Award, presented to a veterinarian that has contributed the most to organized veterinary medicine in his or her first decade of practice. In 2012, Dr. Marks was awarded Petplan's nationally-recognized Veterinarian of the Year. In 2015, she was awarded America's Favorite Veterinarian by the American Veterinary Medical Foundation. And, most recently in 2017, she was awarded Nobivac's Veterinarian of the Year for her work on canine Influenza. Dr. Marks is also very passionate about educating in all aspects of media, both locally and nationally. She has appeared on Good Day Chicago, WGN-Pet Central, NBC Morning News, ABC, CBS, NPR, WBBM, Northwestern University media channel and many local websites. Dr. Marks was featured nationally on the Today Show and CBS Nightly News during the canine influenza epidemic of 2015 and in multiple issues of JAVMA. She is a guest contributor in multiple media campaigns for Merck, Zoetis (formerly Pfizer), Boerhinger-Ingelheim, Ceva, Trupanion, Aratana, ScopioVet, and Royal Canin. Dr. Marks is a regular columnist in Today's Veterinary Business, Healthy Pet magazine, and Pet Vet, and has been published in Veterinary Medicine magazine, DVM magazine, Dogster, and Vetted. She is on the Advisory Board for Health Magazine and also was the host of numerous veterinary broadcasts for the Viticus Group (formerly WVC). Dr. Marks finds the ideal combination of teaching/mentoring and improving the emotional health of pets in the Fear Free movement. She sat on the Fear Free Executive Council and is a national educator helping other private practitioners develop these techniques. She also led her practice to become the 7th nationally and first practice in Illinois to become a Fear Free Certified Hospital. She is an Elite Fear Free Certified Professional. Finally, Dr. Marks is a serial entrepreneur, angel investor and consultant, and one of the newer members of VANE, the Veterinary Angel Network. When Dr, Marks is not working, she treasures her time with her family and her three wonderful children: Sophia, Evan and Madeline. Dr. Marks loves traveling, scuba diving, cooking and spending time outdoors, especially anywhere there is a beach!

Purebred or Mixed Breed: Silken Windhounds Bridge the Divide [caption id="attachment_12486" align="alignleft" width="358"] Silken Windhounds descend from lurchers (believed to be Whippet x Sheltie) and Borzoi.[/caption] Ashlynn Hill joins host Laura Reeves for a discussion of the Silken Windhound. These dogs appear to bridge the divide between preservation purebred dog breeders and the "fad" mixed breeds that make many preservation breeders tear out their hair. A partial transcript of the conversation follows. Pure Dog Talk is the voice of purebred dogs. We talk to the legends of the sport and give you the tips and tools to create an awesome life with your purebred dog. From showing to preservation breeding, from competitive obedience to field work, from agility to therapy dogs, and all the fun in between, your passion is our purpose. - Welcome to Pure Dog Talk. I am your host, Laura Reeves, and we're having these conversations. We had a conversation last week about the American bullies and kind of this concept that so few of the breeds that we know today were, as I say, burst from the head of Zeus, right? Most of our dogs that we know were created somewhere along the way. Some of them are more recent and there's a conversation to be had about these created crosses, why they were created, what the goals are, what the history and the purpose of the crosses are, and how that progress is going into creating a whole new purebred dog. So I have with me Ashlyn Hill, who is involved in Silken Windhounds. She says she came through the herding breeds to Silken Windhound pipeline, which I think is adorable. Pure Dog Talk is proudly sponsored by Trupanion, medical insurance for the life of your pet. Trupanion can give you peace of mind knowing your pet is covered in the event of an unexpected accident or illness. Even better, Trupanion can pay your veterinarian directly and has no payout limits. So you'll never have to choose between what's best for your pet and what's best for your wallet. And if you're a breeder, you can join Trupanion's free breeder support program and get a special offer to share with your puppy buyers that waves all the waiting periods. So coverage goes into effect immediately. And so welcome Ashlyn. I'm really excited to have this conversation. We've reached episode 600 and we're kicking into the new era with all these spicy conversations. So I'm really excited about doing that. I think there is an interesting and worthwhile conversation to be had. Thank you so much for having me, Laura. And congratulations on your 600 episodes. I'm very thrilled to be here. This is pretty exciting. So talk to us about silken windhounds specifically. What is the history of this particular cross? What was the purpose? You know, why was this developed? [caption id="attachment_12485" align="alignright" width="495"] Kristull Amalie - LHW (1984) from Francie Stoll's A litter.[/caption] Yeah. So Silken Windhounds, we're going back to the very beginning. We're looking at around the 1980s. Our breed founder is Francie Stoll. She had a pretty extensive history in Borsoy before she decided to take on this project of making a new breed. So in the early 1980s, she actually got...

Dr. Natalie Marks joins the podcast to about the opportunity for general veterinary practitioners to do more thorough work-ups on, and treatment of, cardiac cases. This episode is brought to you ad-free by CEVA Animal Health LINKS: CEVA CONNECT CE Courses ACVIM consensus guidelines for the diagnosis and treatment of myxomatous mitral valve disease in dogs Dr. Natalie Marks Consulting Dr. Marks LinkedIn Cardalis: Important Safety Information: Do not administer in conjunction with non-steroidal anti-inflammatory drugs (NSAIDs) in dogs with renal insufficiency. Do not use in dogs with hypoadrenocorticism (Addison's disease), hyperkalemia or hyponatremia. Do not use in dogs with known hypersensitivity to ACE inhibitors or spironolactone. The safety and effectiveness of concurrent therapy of Cardalis™ with pimobendan has not been evaluated. The safety of Cardalis™ has not been evaluated in pregnant, lactating, breeding, or growing dogs. Cardalis™ administration should begin after pulmonary edema is stabilized. Regular monitoring of renal function and serum potassium levels is recommended. Common side effects from a field study include anorexia, vomiting, lethargy, diarrhea and renal insufficiency. ABOUT OUR GUEST: Dr. Natalie Marks obtained her bachelor's degree with High Honors in Animal Science from the University of Illinois in 1998, and her Masters in Veterinary Medicine and Doctorate of Veterinary Medicine degree with High Honors from the University of Illinois College of Veterinary Medicine. She became a Certified Veterinary Journalist in 2018. She has been a veterinarian at Blum Animal Hospital since 2006, co-owner until 2018 and then associate. Prior to 2006, Dr. Marks worked at Allatoona Animal Hospital just north of Atlanta, GA. Dr. Marks then became very active in the Chicago Veterinary Medical Association, serving on the executive board, the Illinois State Veterinary Medical Association, AVMA and AAHA. Dr. Marks has received many prestigious awards in her career; awarded the Dr. Erwin Small First Decade Award, presented to a veterinarian that has contributed the most to organized veterinary medicine in his or her first decade of practice. In 2012, Dr. Marks was awarded Petplan's nationally-recognized Veterinarian of the Year. In 2015, she was awarded America's Favorite Veterinarian by the American Veterinary Medical Foundation. And, most recently in 2017, she was awarded Nobivac's Veterinarian of the Year for her work on canine Influenza. Dr. Marks is also very passionate about educating in all aspects of media, both locally and nationally. She has appeared on all major Chicagoland tv and radio news syndicates and many local websites. Dr. Marks was featured nationally on the Today Show and CBS Nightly News during the canine influenza epidemic of 2015 and in multiple issues of JAVMA. She is a guest contributor in multiple media campaigns for Merck, Zoetis (formerly Pfizer), Fear Free, Ceva, Trupanion, Aratana, ScopioVet, and Royal Canin. Dr. Marks is a regular columnist in Today's Veterinary Business, Healthy Pet magazine, the Fountain Report and Pet Vet, and has numerous other publications. She is a desired national and international lecturer for many of the same companies at VMX, WVC, AVMA, DVM360, VetGirl, and regional conferences, and most recently was a featured speaker at Ceva Sweden's Derm Day and the Royal Canin Global Symposium. Dr. Marks finds the ideal combination of teaching/mentoring and improving the emotional health of pets in the Fear Free movement. She sat on the Fear Free Executive Council and is a national educator helping other private practitioners develop these techniques. She also led her practice to become the 7th nationally and first practice in Illinois to become a Fear Free Certified Hospital. She is a Elite Fear Free Certified Professional. Finally, Dr. Marks is a serial entrepreneur, angel investor and consultant, and on the Executive Committee of VANE, the Veterinary Angel Network.

Trupanion, Inc., Q2 2023 Earnings Call, Aug 03, 2023

This podcast is sponsored by Ceva Animal Health. This podcast is worth 0.25 CE credits. Head to https://ce.dvm360.com/pages/podcasts and login or register for a free dvm360 Flex account to redeem your free RACE-approved CE credit after listening to this episode. Natalie Marks, DVM, CVJ, obtained her bachelor's degree with High Honors in Animal Science from the University of Illinois in 1998, and then proceeded to obtain a Masters in Veterinary Medicine and Doctorate of Veterinary Medicine degree with High Honors from the University of Illinois College of Veterinary Medicine. She became a Certified Veterinary Journalist in 2018.   She has been a veterinarian at Blum Animal Hospital since 2006, co-owner until 2018 and current associate. Prior to 2006, Marks worked at Allatoona Animal Hospital just north of Atlanta, GA. Her media experience began in print when she created several monthly veterinary columns in multiple community magazines and was a frequent guest speaker for the German Shepherd and Bernese Mountain Dog clubs of Atlanta. Upon her return to Chicago, Marks became very active in the Chicago Veterinary Medical Association, serving on the executive board. She was also a past board member of the Illinois State Veterinary Medical Association and an active volunteer to the American Veterinary Medical Association and American Animal Hospital Association.  Marks has received many prestigious awards in her career. She was awarded the Dr Erwin Small First Decade Award, presented to a veterinarian that has contributed the most to organized veterinary medicine in his or her first decade of practice. In 2012, Marks was awarded Petplan's nationally-recognized Veterinarian of the Year. In 2015, she was awarded America's Favorite Veterinarian by the American Veterinary Medical Foundation. And, most recently in 2017, she was awarded Nobivac's Veterinarian of the Year for her work on canine Influenza. Marks is also very passionate about educating in all aspects of media, both locally and nationally. She has appeared on Good Day Chicago, WGN-Pet Central, NBC Morning News, ABC, CBS, NPR, WBBM, Northwestern University media channel and many local websites. Marks was featured nationally on the Today Show and CBS Nightly News during the canine influenza epidemic of 2015 and in multiple issues of JAVMA. She is a guest contributor in multiple media campaigns for Merck, Zoetis (formerly Pfizer), Boerhinger-Ingelheim, Ceva, Trupanion, Aratana, ScopioVet, and Royal Canin.  Marks is a regular columnist in Today's Veterinary Business, Healthy Pet magazine, and Pet Vet, and has been published in Veterinary Medicine magazine, DVM magazine, Dogster, and Vetted. She is on the Advisory Board for Health Magazine and also was the host of numerous veterinary broadcasts for the Viticus Group (formerly WVC). She is a desired national and international lecturer for many of the same companies at VMX, WVC, AVMA and regional conferences, and most recently was a featured speaker at Ceva Sweden's Derm Day, and the Royal Canin Global Symposium. Marks finds the ideal combination of teaching/mentoring and improving the emotional health of pets in the Fear Free movement. She sat on the Fear Free Executive Council and is a national educator helping other private practitioners develop these techniques. She also led her practice to become the seventh nationally and first practice in Illinois to become a Fear Free Certified Hospital. She is an Elite Fear Free Certified Professional. Finally, Marks is a serial entrepreneur, angel investor and consultant, and one of the newer members of VANE, the Veterinary Angel Network. When Marks is not working, she treasures her time with her family and her three wonderful children: Sophia, Evan, and Madeline. Marks loves traveling, scuba diving, cooking and spending time outdoors, especially anywhere there is a beach.

Trupanion, Inc., Q1 2023 Earnings Call, May 04, 2023

Sometimes the words other people associate with you are different from what you think. To attract your ideal clients, it's important to know your audience's interpretation of your reputation. Are you aware of how your audience describes you? Your very own Sales Maven, Nikki Rausch, is here to offer tips, techniques, and strategies to master your sales conversations. Discover methods to place yourself in the position to thrive in business and produce true value for your audience. Today, learn about customer-centric marketing and attracting your ideal clients during this Sales Success Story on this episode of the Sales Maven Show. Jen Hope is an accomplished leadership coach with over a decade of experience in helping entrepreneurs and tech leaders thrive. With a background in high-growth marketing and extensive knowledge in executive coaching, she has built a reputation as one of Seattle's best business coaches. Her client list includes companies like Tenable, Amazon, Uplevel, DocuSign, Avalara, Compass, Simple Bank, Trupanion, and TomboyX. In today's episode, Nikki and Jen talk about understanding your authentic leadership brand. Jen shares how her process using data research around human behavior looks at a leader's reputation and impact to improve future operations. Listen as Nikki and Jen talk about ways to research reputation, reasons why being skilled doesn't mean someone is a great leader, and tips to rethink your brand. Nikki invites you to join the Sales Maven Society, don't miss this opportunity for you and Nikki to work together. Bring your questions, concerns, sales challenges, and she provides answers and guidance to boost your confidence. Join the Sales Maven Society here, click add to cart, and then checkout and use coupon code: 47trial to get your first month for $47.00!   In This Episode: [00:27] - Welcome, and thank you for listening! [00:45] - Jen Hope helps you understand your authentic leadership brand. [03:37] - How do leaders figure out when to focus on their brand? [05:41] - Having good skills doesn't mean that someone's meant to be a leader. [08:18] - What's the difference between identifying as a leader and identifying as a manager? [10:55] - Vision is part of achieving. [12:55] - Jen says Nikki inspired her to leverage data to articulate her own brand. [14:56] - Are you aware of how your audience describes you? [16:46] - Nikki and Jen recall a memorable strategy session they both benefited from. [19:16] - Jen appreciated the timely responses and community in the Sales Maven Society. [21:17] - Thank you for listening. Nikki is so grateful you are here!   Find Nikki: Nikki Rausch nikki@yoursalesmaven.com @yoursalesmaven Facebook | Twitter | LinkedIn | Instagram Sales Maven Society To download free Resources from Nikki: www.yoursalesmaven.com/maven   Find Jen: Jen Hope Instagram

#028 - Should You Buy Pet Insurance?One of the most common questions we get asked in our pet food stores is, “What do you think about pet insurance?” And, I'll be honest - I have a lot of feelings about pet insurance! In our household, we pay over $400/month for pet insurance for our three, large breed dogs. AND it's almost a monthly occurrence that we get an email notifying us that one or more of the dogs' premiums have gone up. So, is it worth it? Would we do things differently now if we could start fresh again? In today's episode I'll be exploring the answers to those and many other questions about pet insurance. Holly's qualifications include:Certified Pet Food Nutrition SpecialistAssisting pet parents with holistic health and nutrition for 16+ years in her pet food stores: Tail Blazers Copperfield and Tail Blazers Legacy.In This Episode You'll Learn:What questions you should ask when looking for an insurance providerWhat are some different ways you can research providersWhat to look for when comparing insurance plansWhen is the best time to sign up for an insurance planWhy pet insurance can become a trapSome alternatives to pet insuranceWhich insurance provider the receptionists at my clinic preferWhich insurance provider we use for our dogsResources from this episode:Episode 028: ResourcesEverything Pup Podcast Community on FacebookFind Holly on Social Media:FacebookInstagram Support the show

Trupanion, Inc., Q4 2022 Earnings Call, Feb 15, 2023

Dr. Peter Beaumont (Chairman, Veterinary Advisory Board of Trupanion Pet Insurance) on evolution of pet insurance, and how Trupanion is revolutionizing the field

Tesoro was diagnosed with fibrosarcoma in Feb. of 2017 when he was 6.5 years old. Diana and Tesoro's cancer fight lasted two years and cost $60,000. It was a journey with ups and downs, struggles and victories. Their fight was filled with love, laughter, and tears. It was a journey which unfortunately many other dog owners will travel. What lessons did she learn? What advice can she give? Diana hopes that the story of Tesoro's fight as a Cancer Warrior can help others. Listen in to hear the full story, from the treatments that Tesoro received to their amazing experience with Trupanion… and a little bit about designer cones of shame. Links Mentioned in Today's Show: Bernese Mountain Dog Club of America https://www.bmdca.org/ SAGE Veterinary Centers https://www.sagecenters.com/ Trupanion Pet Insurance https://trupanion.com/ Berner-Garde Foundation http://www.bernergarde.org/home/ Torigen Pharmaceuticals https://www.torigen.com/ Related Links: How to Choose a Dog Breeder podcast episode All About Radiation for Dogs podcast episode Chapters: 0:00 Start 2:26 Bernese Mountain Dogs 5:28 Tesoro's Diagnosis 9:53 Surgery 13:38 Radiation 14:32 The Cone of Shame 17:05 Obedience Training and Trials 19:46 Cancer Returns 21:34 Diet 22:19 Adding Holistic Vet 24:44 Torigen 28:03 Quality of Life During Treatment 31:23 Pet Health Insurance 33:31 Marco the Tibetan Spaniel 36:15 Berner-Garde 39:46 Euthanasia and Grief 43:34 Diana's Top Advice About Today's Guest, Diana Gerba: Diana Gerba is a video producer and project manager by trade and has owned Bernese Mountain Dogs for over 30 years. She's a member of the Bernese Mountain Dog Club of America, The Northern California Bernese Mountain Dog Club, and spearheaded the BMD Histio Action Therapeutic Task Force. Her last Berner boy, Tesoro was a Champion, a Versatility dog with both Draft and Obedience titles, and her loved companion. Diana also belongs to the Tibetan Spaniel Club of America. Her current little Tibbie, Marco, has taken her on an amazing adventure into the upper echelons of the fancy as he was number three owner handled Tibetan Spaniel for two years in a row, was awarded at both the National Dog Show in Philadelphia, AKC National in Orlando, and Westminster.  Diana is a person of action. In 2010 she lost Donato, a 6 month old Berner pup to a Death Cap Mushroom. Rather than keep the pain inside, she started a blog Mushrooms911 which has become Donato's legacy and her mission to spread a warning about the danger of mushroom toxicity. Over 36,000 people have gone to her blog and she has handed out over 70,000 Mushroom Alert Cards. Now she'd like to share Tesoro's cancer journey with the hope that it can help others. Mushrooms911 LinkedIn Other Links: To join the private Facebook group for readers of Dr. Dressler's book “The Dog Cancer Survival Guide,” go to https://www.facebook.com/groups/dogcancersupport/ Dog Cancer Answers is a Maui Media production in association with Dog Podcast Network This episode is sponsored by the best-selling animal health book The Dog Cancer Survival Guide: Full Spectrum Treatments to Optimize Your Dog's Life Quality and Longevity by Dr. Demian Dressler and Dr. Susan Ettinger. Available everywhere fine books are sold. Have a guest you think would be great for our show? Contact our producers at DogCancerAnswers.com Have an inspiring True Tail about your own dog's cancer journey you think would help other dog lovers? Share your true tail with our producers. If you would like to ask a dog cancer related question for one of our expert veterinarians to answer on a future Q&A episode, call our Listener Line at 808-868-3200. Dog Cancer News is a free weekly newsletter that contains useful information designed to help your dog with cancer. To sign up, please visit: www.dogcancernews.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Continuing with a Steve Dale's Pet World tradition, Steve talks with the President of the American Veterinary Medical Association. Dr. Lori Teller offers her resolutions for pets for the New Year. Here are, according to pet insurer Trupanion, the most popular dog and cat names of 2022.

The cost of pet care has skyrocketed in the last ten years, and no, it's not just inflation. We've demanded better medical care for our non-human family members … and the industry has responded. When vets are asked to do more than “give a shot” … a vaccine, antibiotic, or steroid … the medical standards rise. And so do costs. State-of-the-art equipment costs money, as do overhead and labor. Good medicine costs good money, it turns out. Today, we do a deep dive into the inner workings of the veterinary medical industry and its complex economics. We explore the heavy impact the pandemic has had on veterinarians and their clinics. Why are so many mom-n-pop practices selling to corporate networks? Why have so many veterinarians and veterinary technicians left the field, even as demand rises? Is pet insurance a good option, or is it only adding complexity to an already-tangled situation? Historical inefficiencies must be set aside to modernize the industry … are there innovations coming that will help veterinarians help more dogs with even better medicine? Episode Links Pet Fund PayPal for donations Covetrus The company trying to help vets and pet owners with solutions to expensive medication and practice costs. Gravity Payments The payment processor to help vet clinics get payments through without a hassle. This episode is sponsored in part by EverPup and BarkBox. About Jenna Stregowski Jenna Stregowski is a former veterinary technician and hospital manager with over 20 years of experience. She is now a full-time pet journalist who writes for The Spruce Pets and other publications. About Dr. Marty Becker Marty Becker, “America's Veterinarian,” is a long-time veterinarian, media personality, and best-selling author. He is the founder of “Fear Free,” which works to alleviate fear, anxiety, and stress, in pets. About Karen Leslie Karen Leslie is the Executive Director of The Pet Fund, a non-profit dedicated to funding vet care for those who cannot afford it. About Randy Valpy Randy Valpy is President of Underwriting at Trupanion and has over 20 years of experience within the animal health industry. About Dog Podcast Network (DPN) DPN is the first of its kind. A podcasting network as devoted to dogs, as they are to us. Our mission is simple: entertain, inspire and inform. We will improve the quality of life for dogs and the people who love them. Check out Dog Podcast Network for other dog-adjacent shows: The Long Leash where we rescue tasty scraps from the editing room floor in an unscripted interview show Dog Cancer Answers which offers vetted advice from real veterinarians who answer your questions about dog cancer Follow us on Facebook, Twitter, Instagram, and YouTube. Learn more about your ad choices. Visit megaphone.fm/adchoices

Trupanion, Inc., Q3 2022 Earnings Call, Nov 03, 2022

In der heutigen Folge „Alles auf Aktien“ sprechen die Finanzjournalisten Anja Ettel und Nando Sommerfeldt über Achterbahn-Börsen, spätes Glück für die Deutsche Bank und tierische Ideen fürs Depot. Außerdem geht es um Wells Fargo, US Bankcorp, JP Morgan, Vonovia, TAG Immobilien, LEG Immobilien, Deutsche Wohnen, Volkswagen, Porsche, Deutsche Bank, Netflix, Tesla, Lockheed Martin, Sartorius, Elanco, Rize Pet Care (WKN: A3DDPP), Chewy, Trupanion, Covetrus, PetCare, Zoetis, Allianz Pet and Animal Wellbeing Fonds (WKN: A2PBHA), Tractor Supply, Merck und Idexx Lab. Wir freuen uns an Feedback über aaa@welt.de. Disclaimer: Die im Podcast besprochenen Aktien und Fonds stellen keine spezifischen Kauf- oder Anlage-Empfehlungen dar. Die Moderatoren und der Verlag haften nicht für etwaige Verluste, die aufgrund der Umsetzung der Gedanken oder Ideen entstehen. Für alle, die noch mehr wissen wollen: Holger Zschäpitz können Sie jede Woche im Finanz- und Wirtschaftspodcast "Deffner&Zschäpitz" hören. Impressum: https://www.welt.de/services/article7893735/Impressum.html Datenschutz: https://www.welt.de/services/article157550705/Datenschutzerklaerung-WELT-DIGITAL.html

Hot on the heels of the latest 13F filings from some of the world's best investment fund managers, this episode focuses on 8 small cap stock investments from 5 top investors: Robert Vinall, Josh Tarasoff, Greg Alexander, Pat Dorsey, Chuck Akre. Timestamps: 00:00 Introduction to small cap stock investing 01:08 Investor Robert Vinall - RV Capital 04:34 Trupanion 08:46 Wix.com 11:50 Ryman Healthcare 15:40 Investor Josh Tarasoff - Greenlea Lane Capital 17:20 Monday.com 18:53 Investor Greg Alexander 21:40 Investor Pat Dorsey 23:31 Smartsheet Inc 24:40 Upwork 25:39 Poshmark 28:10 Investor Chuck Akre 29:18 DigitalBridge Referenced videos: Robert Vinall: My Investor Q&A - with questions on management, building RV Capital and my holdings https://youtu.be/uGDmvRWAgy8 Robert Vinall: What is Trupanion doing to win the pet insurance market? A chat with Darryl Rawlings (Founder & CEO) https://youtu.be/q25eUpPxYmY #investing #investors #smallcapstocks  Disclaimer: I am not a financial adviser. This content is for education and entertainment purposes only. Do your own analysis and/or seek professional financial advice before making any investment decision. --- Send in a voice message: https://anchor.fm/theartofvalue/message

Hot on the heels of the latest 13F filings from some of the world's best investment fund managers, this episode focuses on 8 small cap stock investments from 5 top investors: Robert Vinall, Josh Tarasoff, Greg Alexander, Pat Dorsey, Chuck Akre. Timestamps: 00:00 Introduction to small cap stock investing 01:08 Investor Robert Vinall - RV Capital 04:34 Trupanion 08:46 Wix.com 11:50 Ryman Healthcare 15:40 Investor Josh Tarasoff - Greenlea Lane Capital 17:20 Monday.com 18:53 Investor Greg Alexander 21:40 Investor Pat Dorsey 23:31 Smartsheet Inc 24:40 Upwork 25:39 Poshmark 28:10 Investor Chuck Akre 29:18 DigitalBridge Referenced videos: Robert Vinall: My Investor Q&A - with questions on management, building RV Capital and my holdings https://youtu.be/uGDmvRWAgy8 Robert Vinall: What is Trupanion doing to win the pet insurance market? A chat with Darryl Rawlings (Founder & CEO) https://youtu.be/q25eUpPxYmY #investing #investors #smallcapstocks  Disclaimer: I am not a financial adviser. This content is for education and entertainment purposes only. Do your own analysis and/or seek professional financial advice before making any investment decision. --- Send in a voice message: https://anchor.fm/theartofvalue/message

Trupanion, Inc., Q2 2022 Earnings Call, Aug 03, 2022

In der heutigen Folge „Alles auf Aktien“ berichten die Finanzjournalisten Nando Sommerfeldt und Holger Zschäpitz über die drei apokalyptischen Reiter, die an der Börse Unruhe stiften, über das Comeback der Ölriesen – und sie erklären, warum sich Netflix, Disney und Amazon untreu werden. Außerdem geht es um: Credit Suisse, ExxonMobil, Chevron, Alibaba, Punduoduo, Baidu, Roku, Demografie-Trends: Peak Fertilität: Progyny, Owlet, Jinxin, Silver-Aging: Prudential, AIA, UBS, Amundi, JPMorgan, AMN Healthcare, Nihon, SMS, Aedifica, Cofinimmo, Welltower. Luxus: LVMH, Richemont, Amundi S&P Global Luxury ETF (WKN: A2H564). Das neue Asien plus Indien: Vinhomes JSC, Masan Group, Reliance Industries, Sea Limited, Grab, Zomato. Aufstieg Afrikas: Airtel Africa, MTN, Helios Towers, Shoprite, Mr Price, Bidvest. Migration: IDP Education, Urbanisierung: Home Depot, DR Horton, Vonovia, LEG Immobilien, UDR. Zukunft der Arbeit: Upwork, Fiverr, GetNinjas, ASGN, Adecco, Teleperformance, Diversity: Hologic, Organon, Torrid, Victoria's Secret. Gen C (Post-Covid-Generation): Roblox, Coinbase, Block, Trupanion, Walt Disney. FTSE All-World ETF (WKN: A2PKXG), Vanguard ESG Global All Cap (WKN: A2QL8U). Wir freuen uns an Feedback über aaa@welt.de. Disclaimer: Die im Podcast besprochenen Aktien und Fonds stellen keine spezifischen Kauf- oder Anlage-Empfehlungen dar. Die Moderatoren und der Verlag haften nicht für etwaige Verluste, die aufgrund der Umsetzung der Gedanken oder Ideen entstehen. Hörtipps: Für alle, die noch mehr wissen wollen: Holger Zschäpitz können Sie jede Woche im Finanz- und Wirtschaftspodcast "Deffner&Zschäpitz" hören. Außerdem bei WELT: Im werktäglichen Podcast „Kick-off Politik - Das bringt der Tag“ geben wir Ihnen im Gespräch mit WELT-Experten die wichtigsten Hintergrundinformationen zu einem politischen Top-Thema des Tages. Mehr auf welt.de/kickoff und überall, wo es Podcasts gibt. Impressum: https://www.welt.de/services/article7893735/Impressum.html Datenschutz: https://www.welt.de/services/article157550705/Datenschutzerklaerung-WELT-DIGITAL.html

Have you ever gotten excited about all the possibilities you see for your clients? It's easy to want to give people everything all at once. When we get excited about our passions, we tend to toss a lot of overwhelming ideas and information on the client. You mean well, but it can be too much. Clients must be able to digest what you are presenting. Your very own Sales Maven, Nikki Rausch, is here to offer tips, techniques, and strategies to master your sales conversations. Discover methods to place yourself in the position to thrive in business and produce true value for your audience. Today, explore the balance of  benefits vs. features being the key to selling in an on-air coaching call on this episode of the Sales Maven Show. Jen Hope is an executive and leadership coach for impactful startup leaders. With a background as the Vice President of Marketing for multiple high-growth startup companies, Jen understands the complexity of startup leadership. She uses evidence-based tools and frameworks to help clients make sustained behavior change. A mental health advocate, Jen is passionate about creating safe spaces for females and neurodivergent people in startup and corporate leadership. Clients will tell you that Jen supports them in building systems and habits that improve life and leadership. They love the sharp insights, the structure, and the accountability that comes from Jen's coaching process. Jen's client list includes DocuSign, Avalara, Neoleukin, TOMBOYX, Trupanion, and Qualtrics. In today's episode, Nikki and Jen discuss strategies to give clients the information and key takeaways they actually need to say “yes” to an offer. Sales conversations early in the process should stay in the big picture more than talking about complementary tools. Nikki shares why entrepreneurs need to focus on selling the experience and the results of an offer. Getting too “in the weeds” can slow down the sales process. Nikki invites you to join the Sales Maven Society, don't miss this opportunity for you and Nikki to work together. Bring your questions, concerns, sales challenges, and she provides answers and guidance to boost your confidence. Join the Sales Maven Society here, click add to cart, and then checkout and use coupon code: 47trial to get your first month for $47.00!   In This Episode: [00:42] - Welcome, and thank you for listening! [03:24] - Jen Hope helps startup leaders and entrepreneurs move from reactive tendencies to their most creative and masterful leadership. [05:45] - Jen Hope wants to have sales conversation without getting too technical. [07:58] - Getting too in “the weeds” can slow down the sales process. [10:27] - Nikki lays out the approach for keeping a clear conversation focused on the experience and the results. [13:00] - Jen brings to light why leadership can be the cap on a team's performance. How can she communicate that to clients? [15:44] - Tie what you want to communicate to what the client is thinking about. [18:42] - Ease clients into the technical talk after the commitment begins where there is less pressure. [21:07] - Jen talks about the access to useful feedback in the Sales Maven Society. [23:25] - Thank you for listening. Nikki is so grateful you are here!   Find Nikki: Nikki Rausch nikki@yoursalesmaven.com @yoursalesmaven Facebook | Twitter | LinkedIn | Instagram Sales Maven Society To download free Resources from Nikki: www.yoursalesmaven.com/maven   Find Jen: Jen Hope Instagram | LinkedIn  

Jen Hope is an executive and leadership coach for impactful startup leaders. With a background as the Vice President of Marketing for multiple high-growth startup companies, Jen understands the complexity of startup leadership. She uses evidence-based tools and frameworks to help clients make sustained behavior change. A mental health advocate, Jen is passionate about creating safe spaces for females and neurodivergent people in startup and corporate leadership. Clients will tell you that Jen supports them in building systems and habits that improve life and leadership. They love the sharp insights, the structure, and the accountability that comes from Jen's coaching process. Jen's client list includes DocuSign, Avalara, Neoleukin, TOMBOYX, Trupanion, and Qualtrics. Find out more about Jen at heyjenhope.com --- Send in a voice message: https://anchor.fm/responsible-leadership/message Support this podcast: https://anchor.fm/responsible-leadership/support

NEW PODCAST Hey All! I've started a second show completely devoted to the field of Ontology which is another huge passion of mine. Please check out The Eric Scheien Podcast which is an ontological podcast where I break down distinctions of human consciousness as an access to enhancing performance. Summary I received this email last year about Trupanion and wanted to address some points made. The entire email is here: Hi Eric,   I come in peace as a Chester County native who still very much prefers Wawa over Sheetz, despite living in Pittsburgh. You seemed very open to hearing counterpoints, as per your podcast on TRUP, so I wanted to give you some things to chew on.    You made two points (I'll summarize): 1) It is justifiable to exclude development expenses from IRR and 2) there are "no accounting shenanigans" going on.    I would love, then, to hear your thoughts on the following:   Let's first level set with the IRR methodology: the company allocates fixed expenses between Subscription and Other based on their relative revenue contributions. This includes a pro-rata allocation of G&A expenses.    So let's get into G&A expenses -- what's in there? Typical back office stuff, finance, accounting, etc. But also a couple million bucks of rental income related to subleasing of the company HQ. Per their 2019 10-K: "The change was primarily due to a $3.1 million increase in compensation expenses, a $0.8 million increase in professional service fees, and a $1.5 million increase in depreciation expense mainly due to owning our home office building since August 2018, partially offset by a total of $2.6 million in savings from additional lease income and less rental expense."   The rental income has the effect of reducing reported G&A (i.e. it's netted against expenses). So my first question for you is as follows: if you firmly believe development expenses that aren't related to acquiring new pets are justifiably excluded from IRR calculations, how are you comfortable with several million dollars of sublease income that's clearly not related to acquiring subscription pets benefitting IRR?   Next up is their pet-food VIE. Also from the 10-K: The Company has also entered into a series of agreements to provide ancillary services to the variable interest entity at cost. The Company provided $1.2 million and $1.4 million of these services for the years ended December 31, 2020 and 2019, respectively, which were recorded against its operating expenses.   So TRUP provides back office support to the VIE and reduces its reported opex to account for the compensation for providing the services.    So the next question is the same as the first: Would you bucket this in line with "development expenses" as being rightly excluded from IRR, or are you OK with the company getting the tailwind from the expense reduction?   Now here's where the situation becomes a bit more nefarious. The VIE has received a total of $9.5 million of funding from TRUP, including $7.0MM of preferred capital and $2.5MM from a line of credit. Think for a minute about what's going on here: the company pushed $9.5MM of cash down to another legal entity, and now reduces its reported OpEx for services provided to the VIE, with the payments being made with money TRUP used to finance the VIE. Money coming out of one pocket and right into the other.    Third question: Do you think this is an accounting shenanigan?   Lastly, management knows PAC is getting out of hand and pulled a fast one in the first quarter to make it look like they've got things under control. Aren't you the slightest bit curious how they're going to hold PAC at $280 for the balance of this year in an increasingly competitive environment?   Management casually slipped in the following comment during the earnings call: "We expect stock-based compensation to be around $6-$7 million per quarter for the remainder of the year." Coupled with the $8.4 million of SBC already booked in 1Q'21, TRUP is on track to recognize $28 million of SBC expense in 2021. Putting this figure into perspective, it is 3x higher than last year's $8.9 million of total recognized SBC expense. Last year SBC expense was 1.8% of revenue; this year it will be 4.1%.   What does SBC have to do with PAC and IRR?    Well, for the purposes of calculating PAC (a key input into the IRR calculation), management excludes SBC because it's non-cash. By upping the portion paid in the form of equity, management is artificially reducing the level of PAC incorporated in their IRR calculation. in 1Q'21, fully-loaded PAC (including SBC) was $328/pet, representing 22.4% y/y growth. SBC embedded in Sales and Marketing was $40/pet -- leaps and bounds above historical levels ($20/pet). See the charts at the bottom of the email. Had SBC been more in-line with historical levels ($20/pet), PAC (for the purposes of the company's IRR calculation) would have been ~$310...much closer to the full year figure I was expecting.   This is all a long winded way of saying, if you were to run the company's IRR calc with PAC of $315 or above, there is absolutely no way they would be within the boundaries of their self-imposed 30-40% target range. The only reason they'll print numbers within range this year is a result of their increased use of SBC in compensating their employees.     The table below illustrates Restricted Stock grants (not expense, but grants) since 1Q'19. The grants in the most recent quarter -- $66 million! -- jump off of the page and explain why SBC will be elevated in the quarters to come. But don't just take my word for it. From what I can tell, we both respect Buffett a lot, and here's what he's got to say on the topic: "I have no objection to the granting of options. Companies should use whatever form of compensation best motivates employees -- whether this be cash bonuses, trips to Hawaii, restricted stock grants or stock options. But aside from options, every other item of value given to employees is recorded as an expense."     When it comes to SBC, RSUs are a functional cash equivalent, so there is no legitimate justification to exclude the related expense from any measure of profitability -- GAAP or otherwise.         Perhaps using RSUs makes sense for the time being given the extreme overvaluation of TRUP. Management can handsomely compensate employees and gloss over the dilutive impact on the company's financials. But what happens when shares are back at $30, but territory partners are expecting their compensation to remain flat in nominal terms? Shareholders will either be 1) massively diluted or 2) the company would have to lean more heavily on cash compensation. The latter of the two options is a functional non-starter at the current juncture given the company's persistently negative free cash flow (another topic the bulls don't understand, but I'll let sleeping dogs lie on this one).   Last question: Do you believe SBC is a true expense? If it is, should the company be including it in its IRR calculation?     Management updated guidance, and frankly, I think the financial outlook is worse than I was expecting. "Adjusted Operating Income" -- which is ex. SBC, D&A, and Pet Acquisition -- is forecast at $75MM. PAC -- ex. SBC -- is forecast at $66MM. That leaves us to $9MM. "Development expense" will be $4MM (at the mid), SBC is $28MM, D&A will be $12MM, resulting in a pre-tax net loss of $35MM. This is larger than the company's cumulative net loss for the past six years combined!      I know this is a battleground stock and don't expect everyone to come around. But I also think: 1) there's only one set of correct answers to the questions I've laid out above, 2) none of the afforementioned points are "dumb", and 3) management is using sleight of hand to paint a picture of the company that is out of step with reality.  As someone who puts a lot of value in associating with the right people, I certainly don't appreciate the games / shenanigans that Daryl and team are pulling.      $MM Adjusted Operating Income 75 - PAC (66) - Development expense (4) - SBC (28) - D&A (12) Pre-tax Income (35)   HELP OUT THE PODCAST If you like The Intelligent Investing Podcast, please consider leaving a rating and review on Apple Podcasts. It takes less than 30 seconds to do and makes a huge difference! You can also join the Facebook page!       You can subscribe to the podcast on the following platforms: Apple Podcasts Stitcher TuneIn Spotify Podbean iHeart Radio YouTube GET IN TOUCH WITH ERIC SCHLEIEN Facebook  |  LinkedIn  | Twitter  | YouTube | GSCM | Instagram Email: IntelligentInvesting@gmail.com Disclosure: Eric Schleien and some SMA clients of Eric Schleien through GSCM own shares of TRUP. Nothing here is investment advice. Do your own due diligence.  

What can you do to stay informed about digital immortality, digital legacy, digital life curation, and all things #Deathtech?Being ahead in this changing marketplace and cultural transformation could help you spot trends and find opportunities to promote and grow your end-of-life or funeral business.Welcome to The Art of Memorialising - an audio newsletter by Peter Billingham from Death Goes Digital and Memorable Words Eulogy Writing services.The Art of Memorialising curates news on digital immortality, digital legacy, digital life curation and all things #Deathtech.Thanks for being here.What Will You Find In This Issue?How ‘Digital Heritage' storytelling keeps our lost loved one close.When technology and entertainment collide, do you get - ‘Upload?'How using 30 4K cameras could immortalise your grandpa. Photo by Jessica Lewis on UnsplashAnd They All Lived Happily Ever After In Virtual Reality. Or Did They?‘In the end, we'll all become stories.' Margaret Atwood.Once upon a time. That's how most stories start.And they all lived happily ever after. Perhaps they don't always end that way. Margaret Atwood was spot on - we all become a story someone will tell. Increasingly, however, there will be a choice for who tells the tale of a life. Let me explain. In this edition of The Art of Memorialising, we look at how telling the story of your life as you live it, and after you have died, is undergoing transformational change. Why?The rise of AI avatars will allow you to see your grandparents, parents and other loved ones telling their own life stories long after they have died, speaking directly to you through VR immersive experiences. Imagine now being able to ‘see and hear' your grandpa walking around the towns he lived in, the places he went on holiday and locations where he worked? Hear him say, ‘Come with me. Let me show you where your grandpa proposed to your grandma!'The transformational change in creating personal biographies and memoirs will keep our loved ones and their memories alive in ways we haven't experienced before. But is a good thing? Is the adage of, ‘A time to be born and a time to die' no longer needed? Will your dwelling in digital immortality be helpful to those still mortally alive? I started Death Goes Digital in 2016. Then discussions and thoughts of ‘Digital Legacy' focused on, ‘What happens to your Facebook account after you die?' The concerns mainly on what will happen to the online traces of your life, your bank accounts and social media profiles, etc., after death. That hasn't changed, but there is now much more. While protecting our digital estate when we are dead is important, what is far more fascinating is what is revolutionising culture around biography and memoir writing. How we can choose to tell and remember the story of our lives while we are living? So what's happening?I see developing the growth of a ‘digital heritage.' It's a term being used in Japan. I like it more than, ‘Are you protecting your digital assets when you're dead?' A ‘Digital Heritage' sounds creative, proactive and inspiring choices to leave more than just the password of mobile phone behind. Writing several eulogies each week constantly reminds me life ends often before it gets to the ‘happily ever after' part. Yet, each life is full of special moments, sometimes missed, often forgotten. Remembering to gather and record those special elements of the story of a life inspired me to write the book - Gathering Rosebuds In Kerala. Published this month, my book is a memoir about a birthday trip I took to India. But more than that, it's a reflection on ageing, and how we might remember the story of our life. A workbook for noticing and capturing those special moments in life and storing them forever. What will be the story you tell about your life? Who and how will that story be told in the generations to come? Will it be you as a 3D hologram, an AI avatar, or even a ‘Versona?' Read on, see what you think, and let me know. I'd love to hear what you think. Please let me know. Email info@deathgoesdigital.comStartup SpotlightsHeard of a startup in digital life curation or #Deathtech?Please let me know. Email info@deathgoesdigital.comMM's (Memorialisation Morsels) 5 meaty bites of news for YOU to stay ahead of the conversation on Digital Legacy, Digital Life Curation & all things #Deathtech.1 - Will Cybernetic Immortality Lead To Living Happily Ever After?Science fiction becoming reality is not a surprise. Tasers, defibrillators, mobile phones, and 3D holograms captured our curiosity in books, films and tv long before they became commonplace in culture. When developing science and technology becomes entertainment, it gives us clues for forecasting the future. Could ‘Upload,' the new Amazon Prime series, be such an example? Set in 2033, Nathan Brown, a computer programmer, dies when his self-driving car crashes, and uploaded to a luxurious digital afterlife called Lakeview. (Seems now death has status levels as well it seems!) I haven't watched the series yet, but the article from Georgi Boorman via The Federalist is an interesting perspective on the series and life in Cybernetic Immortality.2 - For Sale - Eternal life. (Well virtual to start)If you think ‘Upload' is stretching the ‘fiction' of science fiction into reality a bit too far, then Somnium Space may change your mind and open your eyes. (via vice.com) Somnium Space is a Virtual Reality world built on the block chain where users can purchase digital land, build homes and buildings, start businesses, offer concerts and live events. Somnium Space offers a way for people to buy digital immortality in its ‘Live Forever' mode. As is often the story, Somnium Space CEO and founder Artur Sychov experienced the loss of a loved one. Discovering his father was terminally ill, he turned his entrepreneurial and creative imagination into action. Realising his young children wouldn't connect with their grandfather, he imagined a VR existence where within minutes you wouldn't know you were talking to an AI avatar and not your deceased loved one. Even to the way they move, after teaming up with full body VR suit designer - Teslasuit.For a detailed read into the thoughts of many writers about trans-humanism - (via TheBigThink) - Can we Upload Consciousness? Mind Uploading Can We Become Immortal?  3 - The Future of Memoir Storytelling - StoryTerrace VR BiographiesFamed for the ‘Dragons Den' investment into the art of life storytelling and memoir writing, StoryTerrace is a personal biography creator. Matching clients with local writers, through a series of interviews, conversations and edits, they create and publish beautifully bound and illustrated memoirs. Over the last two years, they have been developing a partnership with 8i to create the first Virtual Reality biographies. Combing all their elements of storytelling, they are adding the immersive experience of seeing loved ones speak out their personal histories in the metaverse. Thirty 4K cameras create a 3D hologram placed into recognisable locations and even into home videos and photos. Watch the process on this video. (via hyperbeast and a link from my daughter -thanks!)4 - YOV - Holding On To ‘The Essence of Loved One Forever.'Imagine never having to say goodbye to someone you love - even after they have died. That is the vision and life mission of Justin Harrison. By 2025, he aims to give millions the opportunity to ‘save the essence' of a loved one by creating a ‘Versona.' (via Cheyenne MacDonald on Input)The twin catalysts of a near death experience, and finding out his mother Melodi had stage-4 cancer, collided into the quest to find the answer to the question, ‘How can you hold on to life for those facing death?' What if I don't want to let go of those I love? YOV - ‘You, Only Virtual' results from two years of work. It is a communication portal to those who have died. As the website declares - ‘Transformative communications for a transformative future - the story of a life need never end.' With YOV you can - text, call, use visual calling to communicate with a lost loved one by developing a ‘Versona.' A way of storing the ‘very essence' of the loved one permanently. Through AR (augmented reality), see your loved one with you in their favourite park, or sitting with you at the cinema. For a one fee of $199 USD and monthly fee of $39.99 - now you can ‘truly never say goodbye.' Justin is a filmmaker, and the story told in the video promoting YOV on YouTube shows you how good a storyteller he is! 5. 4everstory - Capturing and Remembering Family Stories Feeling the immense loss and sadness of losing a loved one, 4everstory founder John Withers, wanted to find a way to capture and remember precious memories. But not only for himself, he wanted to create the opportunity for every family to tell their life story. 4everstory offers ways to create, remember, and celebrate a life online. ‘A lifetime is made of a thousand stories. Keep yours alive forever.' We can keep even the memory of our pets safe for all time. You get to choose to honour a loved one or tell your story as you live it. So one day, your family can read, watch and listen as well. Check out - Here's To The Storytellers VideoSponsored Product or ServiceInterested in sharing your new product or service with readers of The Art of Memorialising? (check here)We highlight your product, service, or idea sponsoring an edition. We give you the space; you get to tell the world about what you are doing or have created.You and your business can become part of the adventure now. Secure your month in 2022/23 now. SnippetsAnd finally, it wouldn't be an edition of The Art of Memorialising if I didn't mention GoodTrust again. I might add, there is no affiliate link here, yet…! Rikard Steiber, GoodTrust CEO and founder has announced on National Pet Day another partnership with Trupanion, a leader in medical insurance for pets. Proving GoodTrust is a creative digital-legacy pioneer dedicated to solving the problem of what happens to our online accounts and assets, including our pets, when we die.——Who do you know who would find this information interesting?Please, can you forward the email to them? I'd be very grateful. Let's start a conversation - info@deathgoesdigital.comUntil next month, keep safe, and keep going. Pete This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit theartofmemorialising.substack.com

In this special episode, we discuss our adventure to Omaha and insights from watching Buffett and Munger on stage at Berkshire Hathaway's annual meeting 2022. With thousands of like-minded investors attending, we took the opportunity to interview four seasoned money managers: Shree Viswanathan, Christian Billinger, Rajeev Agrawal, and Adam J. Mead.We welcome all suggestions of interesting authors, books, investors, and voracious readers around the world @IB_Redeye. The episode was recorded between April 29 and May 1st, 2022. For more info about the podcast, go to the episode page.—————————————Episode Chapters(00:00) Omaha: Day 1(05:16) Omaha: Day 2(08:37) Interview: Shree Viswanathan, SVN Capital(13:27) Interview: Christian Billinger, Billinger Förvaltning(16:49) Interview: Rajeev Agrawal, DoorDarshi India Fund(25:40) Takeaways from KEDM/Kuppy's Event (27:40) Takeaways from Berkshire's Q&A(40:49) Takeaways from Trupanion's AGM(42:47) Interview: Adam J. Mead, Mead Capital Management(53:20) Takeaways from Willow Oaks Asset Management's Event (59:24) Takeaways from Markel Corporation's Brunch(1:02:18) Final remarks—————————————Books MentionedThe Oracle's Fables - John PrescottGetting There - Gillian Zoe SegalThe Complete Financial History of Berkshire Hathaway - Adam MeadThe Intelligent Investor - Ben Graham—————————————About the podcastIntro episode: https://www.redeye.se/podcast/investing-by-the-books/817383/0-intro-to-investing-by-the-booksTwitter: https://twitter.com/IB_Redeye—————————————What is Investing by the Books?Investing by the Books was founded by Henrik Andersson, Bo Börtemark, Mats Larsson and Michael Persson. It has published hundreds of book reviews in the past 10 years and operates on a non-profit basis. Visit the website: http://www.investingbythebooks.com/Follow on Twitter: https://twitter.com/Investbythebook—————————————What is Redeye?Redeye is a research-centered boutique investment bank from Stockholm. Founded in 1999, Redeye cultivates investors through timeless knowledge, a humble attitude, and a strong focus on quality. Visit the website: https://www.redeye.se/Follow on Twitter: https://twitter.com/Redeye_—————————————DisclaimerNotice that the content in this podcast is not, and shall not be construed as investment advice. This information is meant to be informative and for general purposes only. For full disclaimer, visit Redeye.se

Trupanion, Inc., Q1 2022 Earnings Call, Apr 28, 2022

This is a live recording of the fireside chat between Darryl Rawlings and Rob Vinall at RV Capital's 2022 Annual Gathering in Engelberg, Switzerland on the 26th of March 2022. Darryl is the founder and CEO of Trupanion, a pet health insurer based in Seattle, USA.

Trupanion, Inc., Q4 2021 Earnings Call, Feb 16, 2022

Whether it is their wonderful donors large and small who help keep Doney Coe going, or pet insurance providers like our guest from Trupanion, we are indeed family and we are all here to help each other. For this show we interviewed President of the Board of Directors Marti Casey who spoke in more detail about the important role ALL our donors play in making sure that pets of low income and homeless people can get care. And our guest Dr. Steven Weinrauch answered questions about the “quality medical insurance” that Trupanion provides, and how important it is that we are able to treat all pets who need help. Insurance helps make that more of a reality. Thank you Doney Coe and Trupanion.

“Be kind to yourself by starting with little baby steps and it will build overtime.” Jen Hope By being empathetic and being kind to self, leaders gain the ability to demonstrate similar empathy towards other people. This is according to our guest today, Jen Hope, who says that leaders need to take the much needed pauses to reflect on their actions and what it means to their productivity and performance. Jen Hope is a Business and Executive Leadership Coach who leans on more than 20 years of executive experience, business acumen, and empathy to create a safe coaching environment where leaders can grow and thrive. Before launching her executive coaching practice in 2013, Jen held marketing leadership roles at B2C tech companies. As Head of Marketing, she led the Cheezburger humor network through stages of rapid growth. At Trover, a lifestyle travel app, Jen was Vice President of Marketing and engineered the rise of the brand from startup to acquisition by Expedia in 2015. Jen has a degree in Marketing from Arizona State University and is a GXCP USA Executive and Leadership Coach. Jen partners with leaders responsible for scaling organizations and has a wealth of experience in growing start-up companies. Her business acumen and hands-on executive experience allow her to create a culture of courage in high-performance environments, hone leadership skills and empower the next generation of leaders to maximize business outcomes. Jen has experience in growth marketing and is an expert at scaling businesses. She keeps coaching clients and teams moving forward with clarity, focus, humor and structure built on trust and positivity. Her clients include leaders and managers from Amazon, Trupanion, and Simple Bank. In addition to coaching, she is a workshop facilitator and speaker for organizations like Microsoft, F5, Moss Adams and Infoblox, as well as conferences like Seattle Startup Week and the Women in Tech Regatta. In today's episode, Jen will be discussing the importance of business leaders balancing work and their personal lives. She will also highlight the factors that have enabled her to grow and achieve her business success. Listen in! Social Media Website: https://heyjenhope.com/ Contact Info: jenniferhopekellum@gmail.com Facebook: https://www.facebook.com/coachjenhope/ Instagram: https://www.instagram.com/heyjenhope LinkedIn: https://www.linkedin.com/in/heyjenhope/   My business is one that started from wanting to live in a world where we had more kindness and then understanding that it starts from self. [3:28] One of the outcomes of our work is empathy. [3:53] I come from the world of digital marketing with a experience of 20 years as a marketing leader. [4:06] The other thing that I talk about a lot, and what is at the center of my business is skill building that we can all use to be more effective and more aware. [7:22] We can create that kindness for ourselves by taking care and managing ourselves. [8:08] How do we get to the place where we can pause and move on to do something that's more effective. [13:05] We need to identify the planning that we can do around the pauses so as to be able to have some more flow in that versus this kind of jerky stop-start. [14:55] Commercial break. [18:06] One of the biggest things I have learnt is managing my expectations, and even being aware of them. [21:27] Coming from the world of being a marketer working with many parts of organizations, as well as having lots of resources, managing my expectations aided me when I became my own entrepreneur. [22:08] I called myself a recovering perfectionist because I really had to reset my expectations and embrace some of the challenge. [23:15] To help my clients, I use some data such as assessments that have been used studying human behavior for hundreds of years. [25:55] Because we start with behavior, it makes it easy to get comfortable with some of the vulnerability of looking inward. [26:25] It's never about getting in and poking holes or jabbing, but rather about holding up the mirror and observing with tiny bits of tenderness. [28:00] Judging ourselves into behavior change never really works. [28:42] Be kind to yourself by starting with little baby steps and it will build overtime. [30:29] ………………………………………………… Thank you to our January Sponsor: www.businessmiracles.com or Heather Dominick Are you a highly sensitive individual? You can learn to be in charge of yourself physically, spiritually and financially in a way that honors your highly sensitive self. Heather Dominic is the founder of Business miracles.com. and she's been training highly sensitive entrepreneurs and leaders since 2010. Whether you've been in business for years, or just starting out, learn how to be comfortable in your highly sensitive skin, to create your work and life to match who you truly are, so you can work less while making more impact and income. You are welcome to take the HSE quiz by clicking the link: https://energyrich.isrefer.com/go/quiz/SYP/ Learn more: https://energyrich.isrefer.com/go/HSCC/SYP/

One of 7investing's core principles is that "time is on your side." After all, it takes quite a bit of time for great companies to actually pull off their battle plans. It takes years -- not weeks or months -- in order for them to grow into new markets and develop valuable new products. Patience is certainly a virtue for visionary and committed leaders. And for investors, it similarly pays to have a buy-and-hold mentality. The power of compounding allows for annual returns to build upon each other every single year. Great investments that are held for long periods of time will geometrically multiply your initial capital. That could turn even a modest initial investment that is left alone for decades into a future dream home or an early retirement. There's a good reason why Albert Einstein described compounding as the eighth wonder of the world. As such, compounding is even more beneficial for those who start investing at a very young age. They are the ones who will have the maximum amount of time in the market and have decades to amplify their returns. But is investing early easier said than done? Aren't there a million other things in your late teens or early twenties that are also distracting your mind and your money? Are high-school and collegiate students somewhat intimidated by the stock market, especially after hearing scary stories about the volatility of stocks like GameStop and AMC? Is it possible to capture the awesome benefits of investing at a young age...but without stepping on any landmines or making huge mistakes along the way? To help us answer those questions, we've brought in two incredible investors. Maya and Soren Peterson are nineteen and seventeen years old investors (respectively) who have embraced the opportunity to start investing as early as possible! They recently wrote and published a book called Early Bird: The Power of Investing Young, as a way to help other young investors maximize their potential gains in the stock market. In this exclusive interview, Maya and Soren spoke with 7investing CEO Simon Erickson about why it's so important to get started investing as soon as possible. They describe their reasons for writing the book and explained what they look for when searching for companies. They also were candid about some of the mistakes they've made along the way, and why investing shouldn't be intimidating -- no matter what your age is. Maya first met Simon in 2012 at an investing event (she was in middle school at the time) and Soren met 7investing advisor Steve Symington at the Boston Omaha shareholders' meeting earlier this year ("Steve's much taller in real life than on video!"). This was a fantastic conversation that is truly empowering to others. We look forward to featuring Maya and Soren's perspective several more times in future conversations. Publicly-traded companies mentioned in this interview include Boston Omaha, Chewy, and Trupanion. 7investing's advisors or its guests may have positions in the companies mentioned. Welcome to 7investing. We are here to empower you to invest in your future! We publish our 7 best ideas in the stock market to our subscribers for just $49 per month or $399 per year. Start your journey toward's financial independence: https://www.7investing.com/subscribe Stop by our website to level-up your investing education: https://www.7investing.com --- Send in a voice message: https://anchor.fm/7investing/message Support this podcast: https://anchor.fm/7investing/support

Trupanion, Inc., Q3 2021 Earnings Call, Nov 03, 2021

Trupanion, Inc., Q2 2021 Earnings Call, Aug 05, 2021

Rayna Lesser Hannaway, portfolio manager and analyst at Polen Capital, joined the podcast this week to share her "flywheel" framework of analysis. Her team studies what factors help build upon each other to find small and midcap stocks that are on the right side of change. Lesser Hannaway provides a deep analysis on Globant (GLOB), Etsy (ETSY) and Trupanion (TRUP) as examples of companies that fit their model. For the video version, show notes and charts, visit investors.com/podcast.

On this week's pod, we take a look at another hypergrowth investment opportunity, the US pet insurance company, Trupanion. Trupanion is North America's largest publicly traded provider of pet insurance. It has focused exclusively on pets during its two-decade operating history, and currently insures over 940,000 cats and dogs in the United States, Canada, Australia, and Puerto Rico (an increase of 37% YoY). Pet ownership has grown significantly during the pandemic, many households have bought or adopted a pet to help them get through the social isolation of lockdown. In the US 23 million households acquired a pet between March 2020 and May 2021, and today 67% of American households own at least one kind of pet The North American pet insurance market was worth $1.9B in 2020 and is expected to grow to $3.8B by 2027. However, today less than 2% of North America's 200 million dogs and cats have pet insurance, creating a large growth opportunity Trupanion were recently rated as the #2 US pet insurer, just behind Healthy Paws. They have a 4.4 / 5 score on trustpilot, and their customers are strong advocates for the company - an interesting contrast to their insuretech competitor, Lemonade, who score a woeful 2.6! However Trupanion are one of the more expensive pet insurance offerings, and a price-sensitive consumer may find that other insurers offer better value In Q1 2021, Trupanion's monthly average revenue per pet was $62.97. Costs per pet currently exceed revenue by around $1, primarily driven by high subscription acquisition costs. The ‘lifetime value per pet' insured by Trupanion is $634, however over $270 is spent acquiring a pet, so a customer needs to be retained for three years before Trupanion realises a return on the high acquisition cost! 2021 Q1 results showed revenue of $155M, an increase of 39% YoY. Average monthly retention was 98.73% compared to 98.59% in the prior-year period, and the average pet's life with Trupanion increased to 79 months, up from 71 months in the prior 12-month period. The company recognise that they still have opportunities to improve the retention of pets that drop out after one year The company's financial position is strong with cash and assets of over $500M. The net loss for Q1 2021 was $12.4M, compared to a net loss of $1.1M in the same period last year. This was primarily driven by increased stock-based compensation expenses and a one-time performance grant to all employees that totalled $4.3M The following companies are mentioned in this episode: TRUP, LMND ----- If you enjoyed this episode, please consider subscribing at https://telescopeinvesting.com/subscribe/ Or you can contact the hosts: LukeTelescope AlbertTelescope

Dr. John Faught was a guest on the podcast back in 2015 (Episode 33). At that time he had 2 practices in Austin, Texas. Now the practice has expanded to 5 locations in Austin and 2 practices in Denver, Colorado. When we talked before, he was recommending primarily Trupanion pet insurance to his clients, but hadn't yet gotten on board with Trupanion's software that allows real-time claim pre-approvals and direct payment to the veterinary practice. Now all 7 practices are using the software and he talks about his experience with it and how it has changed the way they talk about pet insurance with clients.

This episode is brought to you by TIKR.com. This is a product I personally use for researching stocks at my firm. TIKR.com is focused on bringing institutional-quality investment research tools to individual investors. TIKR.com is powered by S&P Global CapitalIQ and has coverage of 50k+ stocks globally with financials, estimates, valuation metrics, ownership, transcripts, news, filings, and more. Join TIKR.com's free beta today with tikr.com/intelligent This episode is also sponsored by Net Net Hunter. If you're interested in finding high-quality stocks trading at fractions of liquidation value - this research service is for you. I personally use this service at my firm to help me research tiny and obscure net-net stocks all around the world. Using Net Net Hunter comes out to way less money than hiring an analyst to do the exact same thing manually. It's a service I love and I am proud to be able to offer this service to my listeners. If this is something you're interested in, please click here. Summary It's time again for another Trupanion (TRUP) episode as there's been another writeup on the company that completely misunderstands their business in my opinion. For my other episode on Trupanion where I made a rebuttal to Todd Wenning at Ensemble Capital which you can listen to here. This is a rebuttal to the Steel City Capital letter which you can view on Seeking Alpha. Show Notes [3:28] The PAC spend is the output, NOT the input as Steel City Capital attempt to argue [3:53] Growth inline with PAC spend [5:26] Including development expenses in IRR doesn't make sense [6:06] The proper way to look at Trupanion's subscription business IRR [6:37] Doesn't make sense to include preloaded costs into IRR calculation [7:24] How to look at "Other" Business About Eric Schleien Over the past decade, Eric has trained thousands of individuals, including board members of public companies as well as several Fortune 500 CEOs. Eric specializes in organizational culture and has become a leading authority on organizational culture in the investment industry. Eric has been investing for 15 years and has been using breakthrough coaching methodologies for over a decade. Eric had the insight to combine proven coaching methodologies with shareholder activism techniques to create an entirely new model for shareholder activism that was more reliable and created greater sustainable results in a rapid period of time. On average, Tribal Leadership produces a 3-5x increase in profits of culturally troubled companies within an average of 24 months or less. Eric currently resides in Philadelphia, PA. Help Out The Podcast If you like The Intelligent Investing Podcast, please consider leaving a rating and review on Apple Podcasts. It takes less than 30 seconds to do and makes a huge difference! You can also join the Facebook page! You can subscribe to the podcast on the following platforms: Apple Podcasts Stitcher TuneIn Spotify Podbean iHeart Radio YouTube CONTACT ERIC SCHLEIEN: Facebook  |  LinkedIn  | Twitter  | YouTube | GSCM | Instagram Email: intelligentInvesting@gmail.com  

Trupanion, Inc., Q1 2021 Earnings Call, Apr 29, 2021

In this episode, we'll hear from Lacey O'Connell, Breeder Support Manager at Trupanion. She'll explain how the Trupanion Pet Insurance policies work, and why you should become part of the Breeder Program. This is an excellent value to give to your new kitten owners when they take their kitten home.

Trupanion, Inc., Q4 2020 Earnings Call, Feb 10, 2021

Join BDO's Terry Adamson as he sits down with Robin Ferracone to discuss the expanding responsibilities that compensation committees are taking on. Robin is the founder and CEO of Farient Advisors and Chair of the Compensation Committee at Trupanion, Inc., (NASDQ: TRUP).

Dave Jaw- The Director of Data Science at TrupanionHost Catherine Tao speaks with Dave Jaw, The Director of Data Science at Trupanion about the significance of data in the medical pet health insurance industry.  Dave speaks about some of the successes and challenges he has faced when building up the data science sector at Trupanion.  Listen to learn how data is being used for your pets!Dave LinkedIn: https://www.linkedin.com/in/david-jaw-106022116/Catherine LinkedIn: https://www.linkedin.com/in/catherine-tao/For more information about The Data Standard visit https://datastandard.io/The Data Standard LinkedIn: https://www.linkedin.com/company/the-data-standard/

Selecting a shelter dog as a pet is the topic for todays podcast.  Answering all the tough questions and bringing up some important things to consider. This podcast is sponsored by Trupanion Pet Insurance.  Check the link on robertcabral.com to learn more about Trupanion! Trupanion is the pet insurance I use!

Trupanion, Inc. - Q3 2020 Earnings Call - Oct 29, 2020

We're back with another basket of stocks that look like they may have 10X potential! Brian Feroldi joins the podcast to talk about why Trupanion, Semler Scientific, and Dermtech are healthcare businesses with big markets in front of them. Stocks: SMLR, DMTK, TRUP Check out more of our content here: StockUp, The Motley Fool's weekly email newsletter Podcasts Youtube Twitter Reach us by Email @ IndustryFocus@fool.com

Meet Dusty Bonner, Senior VP of Distribution and Field Sales at Trupanion, a highly innovative pet insurance company. Trupanion has been shaking up their business sector since 2000. Veterinarians didn't open their practices to sell pet insurance. But they know the value Trupanion can bring to ease their clients' worries when injuries or illness strike. As Dusty points out, Trupanion is continually looking for ways to help Veterinarians help their clients.

A lot of founders are focused on making their solution accessible to everyone, so they offer it for free. But you've got to make money if you want to build and sustain a successful business. So, how do you identify who sees the most value from your product or service and design a business model accordingly? Emily Dong is the Founder and CEO of SnoutID, a company working to improve the patient experience at veterinary practices through the centralization of data. Prior to Snout, she built and sold Pawprint Inc., a pet health app designed to digitize pet medical records. Emily earned her BS in Accounting Information Systems, Entrepreneurship and Math Finance from USC. On this episode of the podcast, Emily joins us to share the personal experiences that inspired her to found first Pawprint and then Snout, discussing the need for preventative veterinary care and the rising popularity of pet insurance in the US market. She walks us through the three phases of a startup, explaining how her role evolved as buy-in for her company grew. Listen in for Emily's insight on balancing idealism with sustainability as a startup founder and learn her follow-the-money approach to creating a business model around the value you provide. Topics Covered The experience that inspired Emily to start PawprintNeeded vaccination records to board dogVet asked for fax number to send records The need for preventative veterinary care in the pet marketOnly 2% to 5% of pets insured in US30% of pets have never been to vet The rising popularity of pet insuranceGrowing 20% year over yearAlready common in Europe What factors influence the cost of pet insuranceZip codeBreed (e.g.: retrievers more prone to cancer) Emily's take on the biggest challenges of entrepreneurshipFinding business modelBalance idealism with sustainability How Emily's startup evolved from B2C to B2BApp popular with consumers but couldn't make $‘Follow the money' to B2B (identify value to vets) How Emily dealt with burnout as a startup founderTrack quality of sleepConsistent workouts Emily's insight on the three phases of a startupExistential crisis (Am I working on the right thing?)Leverage personal conviction to generate buy-inPeople and org problems Emily's definition of successAvailability of resources (money, network, etc.)Solve any problem passionate aboutConnect with Emily SnoutID https://snoutid.com/SnoutID on Facebook https://www.facebook.com/snoutidSnoutID on LinkedIn https://www.linkedin.com/company/snoutEmily on LinkedIn https://www.linkedin.com/in/dongemilyEmily on Twitter https://twitter.com/emiidee Resources Pawprint https://www.getpawprint.com/Chewy https://www.chewy.com/Trupanion https://trupanion.com/Healthy Paws https://www.healthypawspetinsurance.com/Petplan https://www.gopetplan.com/Pet Insurance by Nationwide https://www.petinsurance.com/Adam's MONEY IS GOOD Post https://adamdraper.substack.com/p/money-is-goodAmplitude https://amplitude.com/Oura Ring https://ouraring.com/Threes http://play.threesgame.com/2048 https://play2048.co/Tetris https://tetris.com/Spenser Skates on Boost VC Podcast EP98 https://www.youtube.com/watch?v=BUsIryDX8cIJK Rowling https://www.jkrowling.com/Ender's Game by Orson Scott Card https://www.amazon.com/Enders-Ender-Quintet-Orson-Scott/dp/0812550706Ender's Shadow by Orson Scott Card https://www.amazon.com/Enders-Shadow-Orson-Scott-Card/dp/0812575717Bill Gates https://www.gatesnotes.com/ Connect with Boost VC Boost VC Website https://www.boost.vc/Boost VC on Facebook https://www.facebook.com/boostvc/Boost VC on Twitter https://twitter.com/BoostVCBoost VC on Instagram https://www.instagram.com/boost_vc/

Trupanion pet insurance update - interview with Founder/CEO Darryl Rawlings

Pound for Pound Shannon Kopp spent the good part of a decade with an eating disorder. She would eat large amounts of food and then vomit 20 times a day. No therapist, doctor, or even rehab could cure her. She didn't find relief until she met a dog. Listen Now Pet Insurance Company Fined $150,000 The Washington State's Insurance Commissioner has fined a pet insurance company, American Pet Insurance, which goes under the name Trupanion, $150,000 for violating state laws. The violations include a failure to cancel policies in a timely manner in cases such as a pet's death, after a customer no longer owned a pet and when the pet owner canceled a policy. Listen Now TSA Rejects Alan Kabel tells us about dogs that were trained to work for TSA but ended up failing their certification. Now, these animals are finding new homes through a unique adoption program. Listen Now Do Dogs Love Us or Do They Just Want Our Food? In an experiment further investigating the relationship between humans and dogs, researchers wanted to find out if it is a true bond or a love of food. They found most dogs anticipate the praise of their owner as much or more than a food reward. Listen Now Catty Wagon Aimee Gilbreth comes up with some pretty unique ideas to raise money for her animal welfare organization. On the heels of the successful '6 Packs & 9 Lives' calendar featuring buff men with cats, now she's unleashed the Catty Wagon, adopting felines from a converted food truck that looks like an orange kitty. Listen Now When To Change Your Vet Just like any business, there are always people that give it a bad name. Same with Veterinarians. Animal Radio Veterinary Correspondent Dr. Marty Becker has a list of red flags you should look out for. If you see one, you need to re-think your vet? Listen Now Read more about this week's show.

In this episode head of sustainability at Liontrust Peter Michaelis zooms in on engagement with companies on climate and why his team invested in pet insurance company Trupanion despite it being overlooked by ESG rating agencies. Also in this podcast he talks about the fast fashion dilemma for sustainable portfolios and how his team debated investing in Alphabet.

Think veterinary oncologists are just about chemo, radiation, and surgery? Well, Dr. Lori Cesario is about those and much more. This is a fascinating glimpse into the mind of an oncologist who treats the “whole dog.” Dr. Cesario explains the unique perspective her specialty brings to the table, not just in treating cancer, but in evaluating your dog’s overall condition and quality of life. And as a specialist, she has some very creative tips and tricks for following the latest research into pain relief and CBD oil, and even getting traditional chemo drugs at a lower cost than you might expect Links and Resources Mentioned in Today’s Show: You can reach out to Dr. Lori Cesario and find out more about her Roadmap to Dog Cancer at her website: https://www.caninecanceracademy.com/Here is an article about the Cornell University study on hemp oil/CBD: https://www.forbes.com/sites/julieweed/2018/12/13/cornell-university-research-could-help-hemp-entrepreneurs-and-make-dogs-feel-better/#75e3a3bb783cHere’s a study about cold laser therapy for pain: https://pubmed.ncbi.nlm.nih.gov/10955339/Here’s an article about acupuncture for senior dogs: https://animalwellnessmagazine.com/acupuncture-senior-dogs/The CBD researcher at Auburn University College of Veterinary Medicine that Dr. Cesario mentioned  but couldn’t remember the name of is Dawn Merton Boothe, DVM, PhD, DACVIM (Internal Medicine), DACVCP. You can contact her through this website: https://www.vetmed.auburn.edu/veterinarians/clinical-labs/ and request cannabinoid product monitoring by clicking “Cannabinonid Monitoring” and asking your veterinarian to submit the form. The name of the compounding pharmacy Dr. Cesario uses is Stokes. https://www.stokespharmacy.com/Drugs mentioned in today’s show: Palladia, Leukeran, ChlorambucilThe name of the pet insurance company Dr. Cesario mentioned is Trupanion. The Dog Cancer Survival Guide: Full Spectrum Treatments to Optimize Your Dog’s Life Quality and Longevity by Dr. Demian Dressler and Dr. Susan Ettinger.About Today’s Guest, Dr. Lori Cesario:Dr. Lori Cesario is a Board-Certified Veterinary Oncologist currently practicing in Southern California.  She received a Bachelor of Science in Animal Bioscience from Penn State University.  After college, Dr. Cesario worked in a lab at Cornell University developing mouse models of human prostate and mammary cancers, amongst others.  She then attended Ross University Veterinary School, with a clinical year at the University of Wisconsin.  She completed two one-year internships: a small animal rotating internship at the University of Illinois, followed by an oncology specialty internship at NC State.  She then returned to the Midwest for an oncology residency at Michigan State University. Dr. Cesario is committed to maintaining a high quality of life in patients that are feeling well and improving the lives of patients that are feeling poorly.  She uses her expertise to develop tailored treatment plans for each individual patient and family.  Her professional interests include electrochemotherapy and histiocytic sarcoma. She developed the Dog Cancer Roadmap program so families would have a reliable resource for dog cancer information online. Follow Dr. Lori Cesario on the Socials:On Facebook: https://www.facebook.com/caninecanceracademy/On Instagram: https://www.instagram.com/thecaninecanceracademy/Dog Cancer Answers is a Maui Media production in association with Dog Podcast NetworkThis episode is sponsored by the best-selling animal health book The Dog Cancer Survival Guide: Full Spectrum Treatments to Optimize Your Dog’s Life Quality and Longevity by Dr. Demian Dressler and Dr. Susan Ettinger. Available everywhere fine books are sold. Listen to podcast episode for a special discount code. If you would like to ask a dog cancer related question for one of our expert veterinarians to answer on a future Q&A episode, call our Listener Line at 808-868-3200.Have a guest you think would be great for our show? Contact our producers at DogCancerAnswers.comHave an inspiring True Tail about your own dog’s cancer journey you think would help other dog lovers? Share your true tail with our producers.

May 7, 2020: Research summary on Trupanion, medical insurance for pets company based out of Seattle.   Find detailed notes of the episode on omdventures.com/omddaily Support the podcast by donating at omdventures.com/stakeholder Music by icons8.com

On this show we talk Trupanion. Brett gave it a rating of 4.5 and Ryan a rating of 4.8. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/chit-chat-money/support

Attitude of Gratitude at the Holidays Merry Christmas, Happy Hanukkah, blessed holy days, praise the universe for Winter Solstice and a joyous new year to one and all. As we celebrate the fourth Pure Dog Talk Christmas, I am focused on an Attitude of gratitude. Number one Gratitude to my listeners who encourage me, share the love, provide GREAT ideas and support the show financially through our https://patron.podbean.com/puredogtalk (Patrons) program. I am so grateful that you all take the time to listen in to the incredible conversations I am so lucky to have. We surpassed a half million downloads on Thanksgiving day this year, on the three year anniversary of our debut episode. And our audience and listernership is growing by leaps and bounds every day. Please, continue to share the show, bring people to the table who might enjoy our “talks.” And, absolutely, give me your ideas. I can’t swear I’ll get to every single one immediately, but they are ALL on a LOOOOOONG list of great topics for upcoming shows. Number twoGratitude to my guests. I am not kidding when I say I am the luckiest girl alive. I get to talk to ALL of the coolest people in dogs. And, after 40 years of grooming, training, handling, now judging, I literally learn something from EVERY single episode. My guests give freely of their time, their experience, their accumulated DECADES of wisdom and offer YOU the listener an unbelievable platform on which to gather knowledge. Number threeGratitude to my sponsors. These corporations have made a conscious decision to reach out to the purebred dog community, to support us, our education, our goals, ambitions and dreams. https://trupanion.com/ec/breeder?utm_source=puredogtalk&utm_medium=referral&utm_campaign=pdt_092018 (Trupanion) and, for the first time, (drumrollllll) announcing our brand new sponsor Embark, have committed not just money but dedication to the purebred dog fancier that is admirable, and entirely worthy of your business. I am a firm believer that we support those companies who support us. Without these amazing companies, Pure Dog Talk would not exist. And that’s a fact. Check out Trupanion’s Breeder Support program and breeding rider. Investigate Embark’s DNA genetic testing. I cannot say enough about Trupanion and Embark and their willingness to invest in YOUR future. I MUST also shoutout to the Dog Show Superintendent’s Association which was the very FIRST supporter that stepped up and said “YES, Pure Dog Talk is exactly the type of education and mentorship program our sport needs. Here, let us help you.” ALWAYS remember to stop by the superintendent’s desk and give them a shout out for their support of Pure Dog Talk. Our advertisers and partners, from Show Dog Prep School to Leading Edge Dog Show Academy to local clubs, are also due my unending gratitude for their confidence in our platform. Number fourMoving on, I am and we ALL should be offering our undying gratitude to the Breeders who came before us. We are, without exception, building on the shoulders of those who came before. In my own case, Ray and Lyn Calkins, Cascade Wirehairs, Mildred Revell, Weidenhugel Wirehairs, Bernee Brawn, Justa GWP, Silke Alberts Cadenberg GWP, and the additional mentors who took the time to help me like GWPCA founding member Genevieve Capstaff, Pat Laurans, Joy Brewster, Judy Cheshire, Laura Myles, Doug Ljungren and many more. If you haven’t done it already, make that same list. Send them a little note this Christmas and say thank you. Thank you for the help, the guidance, the information, the direction, the encouragement, the criticism and the hard work YOU have done to bring the breed to the place it is today. We NEED Dog BreedersSo, now my stump speech…. When my family & I got involved in purebred dogs 40+ years ago, the dog show was chock a block with, you guessed it, dog breeders. Today, dog breeders at the dog show are phantoms, rarely seen. Today, we have exhibitors. And Exhibitors, dog... Support this podcast

Australian Cattle Dogs and the History of AustraliaAuthor, researcher and purebred dog enthusiast Guy Hull shares the fascinating history of the development of Australian Cattle Dogs and how they helped build a fledgling nation. Today’s episode is brought to you in cooperation with https://www.facebook.com/groups/caninecandc/ (Canine Construction and Conformation) Facebook group. Hull is the author of https://www.amazon.com/Dogs-That-Made-Australia-Transformation/dp/B07DNL3LZF (The Dogs That Made Australia: The Story of the Dogs That Brought About Australia's Transformation from Starving Colony to Pastoral Powerhouse). https://www.kombinalongacds.com/history-of-the-breed.asp (Australian Cattle Dogs), Hull said, are the only breed resulting from the successful hybridization of dogs and dingoes. “Australia, more than any other country, was so dependent on dogs,” Hull said. “Especially native bred dogs that could cope with all of the hardships of the land.”The progenitors of the breed were created by the Hall family. These early Australian settlers owned 700+ square miles outside of Sydney. They needed a dog that could deal with wild cattle imported from South Africa. Sheep didn’t survive well in the hostile environment of the new country. Beef cattle could survive, but they needed tough dogs to help manage them. The Hall family crossed an English dog known as the “droving cur,” tailless, square in profile, speckled blue, with dingoes. Dingoes, as a species, are classified as wolves. Hall's HeelersDingo genes are so strong they dominate domestic genes, Hull said. It took multiple generations of back crossing to the domestic dogs to create the dog we know today. By 1832 the Halls had two types, including the Australian Cattle Dog progenitor. These dogs, known as Hall’s Heelers, were privately held from 1830-70. Managers of 200 Hall properties carried forward the breeding program. When the family sold all of their holdings after 1870, the dogs became available to the general public. Around this same time, long distance droving dogs became redundant with the advent of wire fencing and railroads. Hall’s dogs were designed to work wild cattle. When cattle became quieter and easier to manage, with the import of new cattle breeds, fences and transportation, the dogs were too “hard” for the domestic cattle. Border collies, kelpies and other “collie” type breeds became popular to work the more domesticated stock. The show fraternity preserved the Australian Cattle Dog after its job was no longer needed. “They are a dog that has re-invented itself as all around Australian guard dog and companion,” Hull said. “They are supposed to have a suspicious glint in their eyes.”Pure Dog Talk is sponsored by Trupanion. Support this podcast

Azawakh: The Camp Guardians of the Tuareg People“Nothing Fragile About This Breed at All”The Azawakh is one of AKC’s newest recognized breeds. The long-legged, aloof hounds have been in the US since 1988, but were only approved for the hound group in January 2019. With only an estimated 150 dogs in the States and less than 3,000 worldwide, Azawakh fall in to the category of “threatened” breed populations. Aliya Taylor, a retired Philadelphia Police Officer, acquired her first Azawakh in 2012. She grew up in dogs with her family and eventually showed dogs around her police work. Like everyone else in dogs, she scheduled her vacations around dog shows and hoped for no emergencies. A desert dog, the Azawakh is taller than it is long. They hail from West Africa where they were known as the camp guardians of the nomadic Tuareg people in Mali, Burkina Faso and Niger.  “These guys are basically guard dogs,” Taylor said. Despite appearing emaciated to the untrained eye, “there is nothing fragile about this breed at all. They will guard you and your property.” “Everything in that part of the world is long on leg, tall off the ground,” Taylor noted. “Azawakh are an evolutionary development. Man had nothing to do with how the Azawakh looks. They are not mixed with any other type of hound and developed independently in an isolated area.“If you’re fat in the desert, you don’t survive very long,” Taylor added wryly. While she hears a lot of well-intentioned cooing about her “sick or rescued” dog, Taylor said, “They’re supposed to look like this! These dogs eat more than I do. They are physically unable to carry much body fat.” Taylor encourages judges to approach the breed appropriately. “You should never approach head on. Approach on an angle, on the side. Keep a calm body demeanor. Put a hand on the dog’s shoulder. Don’t challenge with direct eye contact. Dogs are still primitive & semi feral. Approach cautiously but without fear. Calm, confident, not rushing, no fast hand movements,” Taylor said.Azawakhs are not the best choice for a first-time dog owner or someone who hasn’t owned a primitive breed. “They are not Golden Retrievers. They will not be friendly to strangers. They may not be friendly to every person in your home,” Taylor said. Nonetheless, “These guys are highly trainable. You can teach them to do anything, but you have to get their trust. You have to treat them as an equal. They’re not like other dogs in the sense that you give them a command,” Taylor opined. Pure Dog Talk is sponsored by https://trupanion.com/ec/breeder?utm_source=puredogtalk&utm_medium=referral&utm_campaign=pdt_092018 (Trupanion). Support this podcast

In this episode of the Intelligent Investing Podcast, Eric Schleien discusses Trupanion (TRUP). OVERVIEW The price of Trupanion (TRUP) stock has recently declined from the mid 30's/share to the low 20's/share. Trupanion has high short interest due to claims of overvaluation on a price to book level and due to claims that the business model is flawed and unsustainable. Even some longs are selling the stock. For example, Todd Wenning of Ensemble Capital shared in a recent blog post from his online publication Intrinsic Investing that he has grown concerned with Trupanion's ability to communicate their value proposition to pet owners and that Trupanion has trailed the industry growth rate as defined by the North American Pet Health Insurance Association (NAPHIA), after years of outperformance.   CONCERNS RAISED BY ENSEMBLE CAPITAL In addition, Todd shares a few concerns on his blog: Todd assumes that when there are industry tailwinds, most companies with what he refers to as “emerging moats” should be able to continue to gain market share and recently this hasn't happened with Trupanion. He cites this as a red flag. Todd also explains that Trupanion is often the first brand that vet customers hear from their vets yet Trupanion has a slowing growth rate and is not outpacing the industry recently   There have also been concerns raised on Seeking Alpha that California raised their prices by 150% in California since 2015 with an additional 20% price-hike this year. He has concerns that this will lead to adverse selection which is a worst nightmare scenario for any insurer: healthy pets leaving due to higher prices while the sick pets stay leading to unsustainable losses.   FAULTY ASSUMPTIONS However, there are some faulty assumptions here.  Yes, it's true that Trupanion subscription growth only grew a bit over 15% compared to the industry's 17% growth rate, but looking at this alone doesn't tell the entire story. In reality, Trupanion is growing faster than the industry when you compare similar products in the marketplace. For example, there are lots of cheap products in the pet insurance marketplace that really aren't comparable. In addition, some companies are underpricing during a period where the pet insurance category is gaining more awareness. We have seen this before.   COMPETITORS UNDERPRICING POLICIES Trupanion competitors from time to time will grow faster than the category due to mis-priced policies. For example, Nationwide grew pretty quickly and grabbed market share two years ago. However, they had to pull back after a year because they couldn't price their product properly Another example is Healthy Paws. If we look at Healthy Paws, they have grown pretty quickly. However, if you look at their pricing, they're able to get away with it because they keep switching underwriters and they keep rolling over new pets to new books of business. Healthy Paws recently had to change their product by introducing caps, changing their deductible structure to longer having zero deductibles. In addition, we see pricing increases of 30% on top of natural age based pricing factors. The fact that they are mis-priced has now become a problem for Healthy Paws. In Washington, they can't even underwrite policies anymore.    THE CALIFORNIA FALLACY California is getting a lot of attention for Trupanion. However, this concern is also totally unwarranted and blown completely out of proportion. Just like Trupanion, Healthy Paws also files in California and 34% of pets need more than a 50% pricing increase. That's base rate increases + 15% = 65%. California, however, is capped at 50%. The way you win your insurance category long-term is to price more accurately than your competition. Short-term this means you won't always be growing faster due to the ebbing and flowing of the many other pet insurance competitors that underprice their policies. This has never been shown to be sustainable (obviously) and economic reality always settles in within a few years time. Trupanion is by far the best in the business when it comes to pricing policies accurately to get their 70% target as quickly as they can. California is no different than what Trupanion has disclosed on their main book of business. Nothing would suggest that churn is different in California despite the massive pricing increases in recent years. One-third of Trupanion customers interact with the product in the first year. The company is processing 80,000 claims/month and the average claim is only a few hundred dollars. When rates increase, there is an increased churn of 20% across their entire book, California is no different. One of the biggest opportunities for Trupanion currently is their first year churn rate.  The reality in California is that the greatest usage amongst Trupanion customers are specialty and referral hospitals (cancer centers, cardiologists, urologists, etc). This leads to greater Trupanion customer population density. The California market has seen large increases in these types of hospitals and the Trupanion customers are seeing value in them as can be seen through claims passing through those hospitals.   BUSINESS AS USUAL The business model is not broken. None of this should be news. The panic ensues by those who can't see the context behind the numbers. However, I'm happy to have the shorts keep shorting. Recently, the borrow rate on shares has climbed to nearly 10% meaning that through Interactive Brokers, myself and my investors through Granite State Capital Management are getting ~5% interest on our shares. Disclosure: Granite State Capital Management manages SMA's with positions Trupanion (TRUP). However, this could change at anytime without prior notice. This is not a buy or sell recommendation. I wrote this article myself, and I am expressing my own opinions. I am not receiving compensation for this post. SHOW LINKS Why We Sold Trupanion (Intrinsic Investing Blog) Trupanion: $8 Price Target, Adverse Selection Exposed In Filings (Seeking Alpha) Trupanion: Downgrading To $1 As Rate Spiral Takes Hold (Seeking Alpha) TRUPANION: SLOWING GROWTH; ISSUES IN CALIFORNIA (Granite State Capital Management | Blog) CONTACT ERIC SCHLEIEN If you'd like to connect with me directly, I always love connecting with listeners of the Intelligent Investing Podcast on my personal Twitter. You can also connect with me on Facebook, Instagram, or through my personal website. To follow The Intelligent Investing Podcast, click here.  

Thinking about getting pet insurance for your pup? Jim is too. He's on his third Golden but has never had pet insurance. To help in his decision, Jim talks to T.J. Houk, Head of Member Experience at Trupanion, about the different options for pet insurance.

Episode 300!! Favors, Table Training and Hot Dogs Holy hot dogs batman… Episode 300?! How did THAT happen? Time flies when you’re having fun! Honestly, a year ago, I wasn’t at all sure I’d make it this far. I’d just taken on sole ownership and management of PureDogTalk. I was running the show out of my own VERY shallow pocket and, frankly, scared to death… The fact that I decided to retire from a 25 year long professional handling career, start a year-long ENORMOUS home remodeling project AND take this on full time, pretty much all in the same month, speaks to either my courage or my sanity, depending on your perspective! Lol Patrons Hindsight being what it is, I probably *could* have managed this all a bit more smoothly, but, the gods are kind to crazy people … today the Patrons Support is growing steadily – a HUGE shoutout to those of you who supported the show early and faithfully… YOU literally are the reason there is a podcast today… I’d love to have even more folks join our outstanding community of PureDogTalk Patrons. For as little as $5/month, you, too, can be counted as supporters of GREAT content and education for the entire purebred dog fancy. These funds are earmarked exclusively for operating expenses. Website upgrades and more are on the list when that pot of gold grows just a little bit more… Just Click the “Be my patron on Podbean” button on the homepage at https://patron.podbean.com/puredogtalk (www.puredogtalk.com) Audio Book In the last year I’ve also released the Audio Book, “How to Stack Your Dog & Other important talks” as an additional fundraiser and educational resource to share with folks who aren’t as technically savvy as you my faithful listeners. You can just click the book’s cover art, also on the website side banner, and https://www.paypal.com/webapps/shoppingcart?flowlogging_id=cba38602aeee5&mfid=1561652926082_cba38602aeee5#/checkout/openButton (order online)…. Tricky doodle! Sponsors But, most importantly, I’ve incorporated the support of two outstanding sponsors just in the last few months. Trupanion and PetMate deserve *tremendous* shoutouts …. Shouts out?? Anyway, these are companies devoted to providing outstanding products and services to purebred dog enthusiasts. They are proving that commitment by supporting this educational platform … I hope listeners will take a minute to thank them personally. It is with the help of companies like this that Pure Dog Talk will continue to grow and thrive. And if you know of any more organizations who’d like to get the word out about their products or services, while supporting GREAT content, send them my way! Let’s share the love… Meanwhile, we have another VERY exciting and VERY cool partnership to announce in the VERY near future… Yep, this is a tease… Watch this space… So, with all that business out of the way, here’s a thing…. I LOVE doing this job. It not only combines my passions – dogs, talking dogs and helping people – but *I* literally learn something every single day. Metaphor And, what’s our teaching moment for today? This podcast is a perfect metaphor for your life in dogs! How you say? Try this out. Follow your passion. Take chances, even when they are SUPER scary. Seek and find the positive in every. Single. Day. Even when you have to dig for it. Maybe even especially when you have to dig for it. Nothing worthwhile is handed to you. Nothing is “deserved”… everything is “earned.” Competition, even from the REALLY big guns, makes you better, sharper and tougher. Doing well and doing good are NOT incompatible. Helping others does as much or more for you as for them. Kindness is free. Sprinkle that shit everywhere. As soon as you say, I can’t do this stuff, stop and think about it. I did. And I had some pretty significant obstacles along the way. Literally, if I can do it, you can do it. Back in the day, before I had a twice weekly podcast, I had a weekly magazine column called As the Wheels... Support this podcast

Trupanion sparks bulls' and bears' passions even as it takes care of our cats and dogs. We bring on The CrickAnt, a Seeking Alpha author who focuses on insurance companies, to break down Trupanion's positioning and the particularities of the insurance industry. He highlights the biggest challenge the company faces - the need to gain market share while also increasing its bottom line. Learn more about your ad choices. Visit megaphone.fm/adchoices

You either get having pets or you don't. The same can be said for the Trupanion (TRUP) bull and bear cases - the true believers are able to produce pages of compelling research making their case either way, unable to sway one another. We start with a bearish article which picks apart the bull case as a way into the stock. We look at what the right category for Trupanion is, whether its effect on the petcare world will be positive in the end, and where that leaves the company and the stock. Learn more about your ad choices. Visit megaphone.fm/adchoices

Our pets are a part of the family. Pet insurance is one more way to protect and care for them. Today we will talk with Robin Cobb of Trupanion Pet Insurance and learn about the value of pet medical insurance and what you need to know to protect your furry friend throughout their lifetime. Robin Cobb has been a Territory Partner with Trupanion for almost four years. Prior to that, she was a Vet Tech for 6 years at the Animal Hospital in Lakewood Ranch. Trupanion is dedicated to providing the best pet medical insurance plan possible. They provide one simple plan that covers injuries, illnesses, diagnostic testing, surgeries, medications, and lab work

Our pets are a part of the family. Pet insurance is one more way to protect and care for them. Today we will talk with Robin Cobb of Trupanion Pet Insurance and learn about the value of pet medical insurance and what you need to know to protect your furry friend throughout their lifetime.Robin Cobb has been a Territory Partner with Trupanion for almost four years. Prior to that, she was a Vet Tech for 6 years at the Animal Hospital in Lakewood Ranch. Trupanion is dedicated to providing the best pet medical insurance plan possible. They provide one simple plan that covers injuries, illnesses, diagnostic testing, surgeries, medications, and lab work

Seth Godin is the author of 18 books that have been bestsellers around the world and have been translated into more than 35 languages. He’s also the founder of the altMBA and The Marketing Seminar, online workshops that have transformed the work of thousands of people.He writes about (https://www.sethgodin.com/) the post-industrial revolution, the way ideas spread, marketing, quitting, leadership and most of all, changing everything. You might be familiar with his books Linchpin, Tribes, The Dip and Purple Cow. His latest book is This Is Marketing (https://amzn.to/2JzNkMD).In addition to his writing and speaking, Seth has founded several companies, including Yoyodyne and Squidoo. His blog is one of the most popular in the world and in 2018, he was inducted into the Marketing Hall of Fame.Beyond all of this, Seth is just a straight up good human with wise things to share about everything from education, work, meaning and craft to chocolate, creativity, curiosity and so much more. In this wide-ranging conversation, we touch on all of this and more.In addition to this week's podcast, we filmed an episode of Good Life Project TV with Seth as a few years back, which you can check out here (http://www.goodlifeproject.com/podcast/the-best-of-seth-godin/)QUICK CORRECTION: Early in the conversation, Seth mentioned that John Scharffenberger had passed away. It was actually his former business partner, Dr. Robert Steinberg, who is no longer with us. In the speed and joy of the conversation, Seth conjoined them and neither of us picked it up until after the final edit. Apologies for any confusion. We appreciate your kind understanding.Check out our offerings & partners: Talkspace: Go to Talkspace.com/GOODLIFE and use the code GOODLIFE to get $45 off your first month.Trupanion: Medical insurance that helps protect your pet and your finances. Go to Trupanion.com/GOODLIFEto learn more and get a quick quote.23andMe: Order your 23andMe Health + Ancestry Service kit at 23andme.com/goodlife

Question for you...“How do you figure out what kind of work will fill you with a sense of purpose and meaning, let you fully express yourself, your gifts, passions and skills, and drop you into that transcendent state of flow where you just know, deep down, you’re doing the work you were put on the planet to do?”Here’s what I’ve come to believe…We’re all born with a certain “imprint” for work that makes us come alive. Work that lets us wake up in the morning and know, deep down, we’re doing what we’re here to do. Work that sets us ablaze with purpose and, fully-expressed in a healthy way, becomes a mainline to meaning, a pathway to that transcendent state of flow, and a gateway to connection and joy. Put another way, work that “sparks” us.You may find thousands of satisfying outward expressions of this deeper imprint. I believe this is much of what people talk about when they use the word passion, and why any one person can have many equally satisfying outlets for this deeper driver.But, much to my amazement, every time I’d keep drilling down in search of the deeper root, the essence, the DNA-level “source-code,” I come back not to millions of unique answers, but to the same, remarkably simple set of 10 core imprints or archetypes for meaning and work.I call these Sparketypes™ (http://sparketype.com/). The archetypes for work that sparks you.This is not a “woowoo” thing. It’s actually incredibly practical, easily-validated through your own experience, and all about application in the real world. It’s about giving you tools to reveal, then live into a deep sense of purpose, potential and possibility.And today, I’ve recorded a very special hour-long podcast that takes you deep into the world of the Sparketypes, introduces you to all 10 of them, explains how each becomes expressed in your life, and how we can tap this wisdom to cultivate purpose, meaning, joy and, ultimately, freedom and flow.And, there’s one other thing. THIS. IS. REALLY. BIG.Many of you will get a “sense” of your Sparketype simply from what I share about each on the podcast. But, you don’t have to settle for that.Over the last year, we’ve been working fiercely behind the scenes to develop, test and optimize a proprietary Sparketype Assessment™ that will reveal your Sparketype (actually two of them) in a matter of minutes.The Sparketype Assessment™ is now available for YOU to take! (http://sparketype.com/)It is 100% free. It takes about 7-10 minutes to complete. At a minimum, it’ll open your eyes in a big way. And, it also just might change your life.So, listen to the podcast. Take the Sparketype Assessment.Then, share the podcast, your personal Sparketype and the Sparketype Assessment with anyone you know who needs a little help figuring out the work they’re here to do.Check out our offerings & partners: Trupanion: Medical insurance that helps protect your pet and your finances. Go to Trupanion.com/GOODLIFEto learn more and get a quick quote.Kopari: Go to KopariBeauty.com/goodlife and save $5 off your first order.Helix Sleep: Right now Helix is offering up to $125 dollars off ALL mattress orders at HelixSleep.com/GOODLIFE.

Pound for Pound Shannon Kopp spent the good part of a decade with an eating disorder. She would eat large amounts of food and then vomit 20 times a day. No therapist, doctor, or even rehab could cure her. She didn't find relief until she met a dog. Pet Insurance Company Fined $150,000 The Washington State's Insurance Commissioner has fined a pet insurance company, American Pet Insurance, which goes under the name Trupanion, $150,000 for violating state laws. The violations include a failure to cancel policies in a timely manner in cases such as a pet's death, after a customer no longer owned a pet and when the pet owner canceled a policy. TSA Rejects Alan Kabel tells us about dogs that were trained to work for TSA but ended up failing their certification. Now, these animals are finding new homes through a unique adoption program. Get Your Licks on Route 66 It's time again for the 8th Annual "Get Your Licks on Route 66 Adoption Tour." Fido Friendly publisher Susan Sims is getting ready to start the nationwide journey in Los Angeles with CBS's Emmy winner Brandon McMillan. Do Dogs Love Us or Do They Just Want Our Food? In an experiment further investigating the relationship between humans and dogs, researchers wanted to find out if it is a true bond or a love of food. They found most dogs anticipate the praise of their owner as much or more than a food reward. Catty Wagon Aimee Gilbreth comes up with some pretty unique ideas to raise money for her animal welfare organization. On the heels of the successful '6 Packs & 9 Lives' calendar featuring buff men with cats, now she's unleashed the Catty Wagon, adopting felines from a converted food truck that looks like an orange kitty. Read More…