Voluntary surrender of a known right or privilege
Welcome to Episode 38 of the SGPN Fantasy Football Podcast! This week, Rod Villagomez welcomes back the host of the SGPN Propcast, Munaf Manji to the show. Munaf and Rod break down what you can expect from some of the most highly added Week 7 waiver wire pick ups. Can Khalil Herbert serve as an adequate stop gap for his injured teammate? Is Ricky Seals-Jones really more than just an attempt to chase points? Did Devonta Freeman successfully turn back the clock and put himself back on the fantasy radar? Does Zach Ertz finally get the chance to be the Zach Ertz we all knew now that he is in Arizona? We answer all these NFL Week 7 Injury questions and more on this week's episode. If you're new to the show, you're in for a treat. Our show flows a little differently than most. We cover ten separate categories of a larger overall theme. The panel puts three minutes on the clock to discuss each. It's the fast-paced, hard-hitting fantasy football conversation you need to win your league. As always, make sure to subscribe to the SGPN Fantasy Football Podcast on Apple and Spotify. Find Rod (@rjvillagomez), and Munaf (@SportsNerd824) on Twitter. Check What the SGPN fantasy football rankings and fantasy football projections. Download the SGPN APP today https://sgpn.app and leave us a rating & review. Support for this episode - WynnBet | PropSwap.com code “SGP” | Prediction Strike code "SGPN" | Oddscrowd.com Learn more about your ad choices. Visit podcastchoices.com/adchoices
It's a brand new episode of Waiver Wired with Jen Piacenti, Eddie Spaghetti & special guest Jake Ciely! Jen starts off the show with the rumors of Deshaun Watson being traded to Washington potentially and how Cleveland will perform on Thursday Night Football with Case Keenum at quarterback. Next up, Jake shares his Halloween candy rankings which Jen critiques and then get into how to manage teams with so many players on a bye. After discussing bye-mageddon, Jen and Jake discuss if it's time to drop star players such as Odell Beckham Jr or Allen Robinson? After Jake exits, Jen gives out her best waiver wire pickups for Week 7. The show rounds out with Eddie Spaghetti reading some listener questions to Jen for her to answer.
Ya tenemos otro par de byes esta semana que mueven bastante el mercado de waivers. Varios WR, RB de calidad tienen su semana de descanso y te traemos esos buenos picks para agarrar y complementar tu equipo y cubrir esos huecos. Te traemos buenas opciones en WR y RB, y un par de TE que podrían darte un TD gracias a sus matchups. Dale play! --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/el-fantasy-royale/support
The 2021 fantasy football season continues with our Week 7 waiver wire pickups and wide receivers to target! Anthony Aniano gives his in-depth fantasy football advice, breaking down some of his must-have waiver wire pickups and free agent adds for wide receivers as we head into Week 7 of the fantasy football season. These WRs should be targeted as injury replacements, streamers, sleepers, and general waiver wire targets to improve your fantasy football teams.
Howard Bender and Adam Ronis discuss the MLB playoffs, NFL Week 7 waivers and what it feels like when you didn't draft Derrick Henry in fantasy football.
The Fantasy Football Friends look at Week 7 waiver possibilities, diving into backup running backs who could see expanded roles this week.D'Ernest Johnson, Devonta Freeman and DeeJay Dallas could all see starts -- but what's the likelihood of that and how much FAAB would you spend on 1-week rentals?Also, thoughts on Michael Gallup, Rashod Bateman and Ja'Mychal Hasty.
Is A.J. Brown back. Who can you trust on the Bills offense? Plus, we rank the top waiver-wire running backs for Week 7. You can also follow the full-length Fantasy Football Today podcast here: https://podcasts.apple.com/us/podcast/fantasy-football-today-podcast/id261735167 Follow our FFT team on Twitter: @FFToday, @AdamAizer, @JameyEisenberg, @daverichard, @heathcummingssr, @ctowerscbs, @BenSchragg You can listen to Fantasy Football Today in 5 on your smart speakers! Simply say "Alexa, play the latest episode of the Fantasy Football Today in 5 podcast" or "Hey Google, play the latest episode of the Fantasy Football Today in 5 podcast." Watch FFT on YouTube https://www.youtube.com/fantasyfootballtoday Join our Facebook group https://www.facebook.com/groups/FantasyFootballToday/ Sign up for the FFT newsletter https://www.cbssports.com/newsletter To hear more from the CBS Sports Podcast Network, visit https://www.cbssports.com/podcasts/ Learn more about your ad choices. Visit megaphone.fm/adchoices
Matt and Brian take a gander at some film from Week 6, including Johnathan Taylor's big run, a Kyler Murray touchdown pass to Christian Kirk, T.J. Watt's punch out fumble and the Ravens defense against Justin Herbert! Then, Ryan jumps on to join Matt for the Week 7 Waiver Wire outlook!
Llegó el waiver cinco con las mejores opciones a reclamar para Semana 7 y algunas otras con más valor a largo plazo. La siguiente semana será un reto con muchos jugadores en semana de descanso, si en Semana 6 los reemplazos tomaron una gran importancia, espérense a la que sigue. Tua Tagovailoa y Dan Arnold opciones para quienes necesiten QB y TE. Dos opciones de WRs y cuatro de RBs.
The Wolf & Truth recap all of the Week 6 Fantasy Football action & give you the key lessons and takeaways. Who takes home the Week 6 MVP & LVP? What important stat lines & snap totals do you need to know? Plus, who are some Early Week 7 Waiver Wire Pick-ups to monitor, including TY Hilton, J.D. McKissic, Ricky Seals-Jones, Marquez Callaway, as well as back-up RBs like D'Ernest Johnson & Demetric Felton? Last, who are some big Week 6 Injuries you need to know, including Kareem Hunt, Kadarius Toney, and Antonio Gibson? Come get all the rapid reaction Week 6 Fantasy Football Takeaways & an Early Week 7 Waiver Wire Look
On October 6, 2021 the U.S. Department of Education announced a limited time change to the PSLF Program. In this short but valuable episode Jennifer describes the changes and what you need to do to take advantage of this opportunity if you are working towards or have been denied Public Service Loan Forgiveness. If you have a question about something you didn't learn in school, then chances are someone else has that same question. WRITE IN to the pod at firstname.lastname@example.org. Be sure to Like, Follow, Rate and Review us! Connect with us on Facebook @askmymompod Links to information referenced in this episode can be found at https://askmymom.podbean.com/
Join Jerry for a full list of updated injuries. Bye weeks are here! We‘ll go over some streaming options to bolster your roster with fill in players. Then we tackle some names that are widely available but might be after this week's games. Twitter @ffknowitall email@example.com www.skullkingsports.com --- Support this podcast: https://anchor.fm/jerry2046/support
If you have a federal student loan, are you aware of recent changes and the Public Service Loan Forgiveness (PSLF) Limited Waiver Opportunity? For a limited period of time, borrowers may receive credit for past payments on loans not qualified for PSLF. In this episode of the Finance For Physicians Podcast, Daniel Wrenne talks about PSLF and other student loan changes regarding prior payments and loans. The federal government is trying to follow through on the promises of PSLF. Topics Discussed: PSLF Refresher: Must have a qualified loan, payments, and employer PSLF Problems: Too much red tape, confusion, servicer errors, and declines #1 Qualifier: Loan type - you must have a direct loan to qualify for PSLF Deadline: Complete consolidation into Direct Loan Program by Oct. 31, 2022 Limited Time Waiver - Federal government’s proposed solutions for borrowers: Prior payments may count with qualifying employment certification Perks for borrowers in the military/inactive duty Future automation for qualifying federal employees’ PSLF progress Reviews and audits of prior PSLF processing and denials Are corrections still incorrect? Request the second review Links: Federal Student Aid - PSLF Limited Waiver Opportunity Federal Student Aid - PSLF Help Tool Federal Student Aid - PSLF Direct Consolidation The Federal Family Education Loan Program (FFEL) Federal Perkins Loans Parent PLUS Loans COVID Forbearance Finance for Physicians: Why Federal Student Loans Are A Great Bet For Many Physicians With Travis Hornsby Contact Finance for Physicians Finance for Physicians
It's a brand new episode of Waiver Wired with Jen Piacenti (Happy Birthday!), Eddie Spaghetti & special guest Howard Bender! Jen starts off the show going over the biggest fantasy headlines of late then welcomes in Howard, the TE guru, to break down this position that has struggled as of late across the board. After discussing their DFS challenge and which players you've drafted can you drop heading into Week 6, Howard also answers some listener questions revolving around TE's. After Howard exits, Jen gives out her best waiver wire pickups and who to start or sit for Week 6. The show rounds out with Eddie Spaghetti reading some listener questions to Jen for her to answer.
BOOM! Te traemos un Flash Gordoroth Waiver Picks para tu Fantasy de NFL en esta semana 6! - Su host Alejandro Arellano hace un paseo rápido con los top jugadores a buscar a partir de mañana en el waiver de sus ligas. Desde Wentz (sí, Wentz) hasta para de WR de Arizona que tienen matchup muy favorable esta próxima jornada. Dale play! --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/el-fantasy-royale/support
The NFL's Week 5 is in the books and Andre Simone and Justin Michael look at the top-five fantasy players at each position and predict who outside of that elite tier will finish the season on top. Plus, with a run of injuries this past week we breakdown the biggest waiver wire pickups at running back and receiver.
Lamar Jackson had a historic game. So did Mark Andrews. And Marquise Brown wasn't far behind. We break down Monday Night Football and the top waiver-wire targets for Week 6. You can also follow the full-length Fantasy Football Today podcast here: https://podcasts.apple.com/us/podcast/fantasy-football-today-podcast/id261735167 Follow our FFT team on Twitter: @FFToday, @AdamAizer, @JameyEisenberg, @daverichard, @heathcummingssr, @ctowerscbs, @BenSchragg You can listen to Fantasy Football Today in 5 on your smart speakers! Simply say "Alexa, play the latest episode of the Fantasy Football Today in 5 podcast" or "Hey Google, play the latest episode of the Fantasy Football Today in 5 podcast." Watch FFT on YouTube https://www.youtube.com/fantasyfootballtoday Join our Facebook group https://www.facebook.com/groups/FantasyFootballToday/ Sign up for the FFT newsletter https://www.cbssports.com/newsletter To hear more from the CBS Sports Podcast Network, visit https://www.cbssports.com/podcasts/ Learn more about your ad choices. Visit megaphone.fm/adchoices
The 2021 fantasy football season continues with our must-have Week 6 waiver wire pickups and running backs to target! Anthony Aniano gives his in-depth fantasy football advice, breaking down some of his waiver wire adds to prioritize and free agent pickups for running backs as we head into Week 6 of the fantasy football season. There was a lot of action last week, players that emerged, and running backs that were injured including Saquon Barkley, Clyde Edwards-Helaire and Chris Carson - so it's the perfect time to look for replacements or additions to help improve your teams. These RBs should be targets as injury replacements, streamers, sleepers, and general waiver wire targets to improve your fantasy football teams.
Las lesiones de Clyde Edwards-Helaire y Saquon Barkley generan una disyuntiva entre ir por Darrel Williams en una ofensiva más prolífica o por Devontae Booker con un rol mucho más definido y mejor utilización. En la posición de WR, la viabilidad de los novatos Kadarius Toney y Amon-Ra St. Brown. De TEs, Ricky Seals-Jones puede ser la mejor opción a reclamar.
The Fantasy Football Dudes are here to give you the Dudes and Duds from NFL week 5. Recap their favorite moments and matchups from the week. Phill shares his quarterback streams, Jordan and Trent give the best waiver wire adds for week 6. Plus some handcuffs...Sign up for our Newsletter https://www.thefantasyfootballdudes.com/Watch the Dudes on Youtube athttps://www.youtube.com/channel/UC2JAx3YD3P-OJRiaqA7wSQwQuestions for the show firstname.lastname@example.org Follow us on socials athttps://twitter.com/TFFDudeshttps://www.facebook.com/TheFantasyFootballDudeshttps://www.instagram.com/tffdudes/
Thanks for making that call! On this episode I Recap week 5 games and look at future outlooks. Bring up players to sell or buy now. Waiver wire on tomorrow's episode. Be sure to follow me on Twitter @thedynasty411 --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app
[2:22] Hernandez-Hernandez v. Garland, No. 21-3210 (6th Cir. Oct. 4, 2021)economic persecution; Guatemala; K'iche [5:32] Ramos Rafael v. Garland, No. 21-0233 (6th Cir. Oct. 7, 2021)waiver of argument; unable or unwilling to protect; NTA deficiencies; Pereira and Niz-Chavez; due process; prejudice [9:03] Amaya v. Garland, No. 18-70060 (9th Cir. Oct. 7, 2021)Valdivia-Flores; first-degree assault under Washington Revised Code § 9A.36; categorical approach; accomplice; aiding and abetting; mens rea; general intent; crime of violence; Borden; MS-13 [19:22] Murry v. Garland, No. 20-3109 (7th Cir. Oct. 7, 2021)asylum; past persecution; gay men; anti-sodomy laws; Jamaica; failure to report harm [22:42] Nyandwi v. Garland, No. 20-3215 (7th Cir. Oct. 8, 2021)CAT deferral; cumulative or aggregate risk; holistic approach; statistical analysis; Burundi; Twa *Sponsors and friends of the podcast!Kurzban Kurzban Tetzeli and Pratt P.A.www.kktplaw.com/Immigration, serious injury, and business lawyers serving clients in Florida, California, and all over the world for over 40 years.Docketwisewww.docketwise.com/immigration-review"Modern immigration software & case management"*Want to become a patron of Immigration Review? Check out our Patreon page at https://www.patreon.com/immigrationreview *CONTACT INFORMATIONEmail: email@example.comFacebook: "Immigration Review Podcast" or @immigrationreviewInstagram: @immigrationreviewTwitter: @immreview*About your host: https://www.kktplaw.com/attorney/gregg-kevin-a/*More episodes at: https://www.kktplaw.com/immigration-review-podcast/*Featured in the top 15 of Immigration Podcast in the U.S.! https://blog.feedspot.com/immigration_podcasts/DISCLAIMER: Immigration Review® is a podcast made available for educational purposes only. It does not provide specific legal advice. Rather, the Immigration Review® podcast offers general information and insights regarding recent immigration cases from publicly available sources. By accessing and listening to the podcast, you understand that there is no attorney-client relationship between you and the podcast host. The Immigration Review® podcast should not be used as a substitute for competent legal advice from a licensed professional attorney in your state. MUSIC CREDITS: "Loopster," "Bass Vibes," "Chill Wave," and "Funk Game Loop" Kevin MacLeod (incompetech.com) Licensed under Creative Commons: By Attribution 4.0 License http://creativecommons.org/licenses/by/4.Support the show (https://www.patreon.com/immigrationreview)
Fuad and Elias are back with another edition of 3 in the Key! The fellas have promised an episode on fantasy basketball and here it is. The guys discuss drafting in an NBA fantasy draft and where they think the best slot is to pick. What their strategies are going into the draft as well as the season, waiver-wire pickups, as well as other useful tips.
It's a brand new episode of Waiver Wired with Jen Piacenti, Eddie Spaghetti & special guest Michael Fabiano! After Fabs agonized over the Yankees loss to the Red Sox, the group discussed best QB and TE starts, Cordarrelle Patterson's season, if Allen Robinson will turn it around and why we shouldn't trust the Browns receivers to be productive in fantasy. Fabs and Spaghetti also talked about the upcoming Giants vs Cowboys game. After Fabs left, Jen went over the top headlines, shared her starts and sits and rounded out the show by answering listeners questions.
The NFL's Week 4 is in the books and Andre Simone and Kalle Sorbo give you the biggest waiver priorities and oddest starts for some big-name fantasy players. Kalle then gives us his theory on why the ever-changing quarterback position might just be leading to a change in how you stack your fantasy roster now and moving forward, plus a lesson from the past on how to win your league on the wire this week.
Howard Bender and Adam Ronis discuss the American League Wild Card game between the NY Yankees and Boston Red Sox and share some final fantasy football waiver thoughts for Week 5
The Fantasy Football Friends preview the week 5 waiver claims. Trey Lance could be a league winner, but will he be starting? With David Montgomery and Joe Mixon out, the friends explain how to approach this weeks running back adds. Dr. Pavlichek reviews the charts of new patients on the injury list; Montgomery, Mixon, Garoppolo, etc. Gilby and Zach go over who their buy/sell candidates are featuring Mike Williams, Daniel Jones, Cordarrelle Patterson, and more.
Did we see the real Raiders Monday night? Plus the top waiver-wire targets for Week 5. Should you prefer Damien Williams or Samaje Perine this week? You can also follow the full-length Fantasy Football Today podcast here: https://podcasts.apple.com/us/podcast/fantasy-football-today-podcast/id261735167 Follow our FFT team on Twitter: @FFToday, @AdamAizer, @JameyEisenberg, @daverichard, @heathcummingssr, @ctowerscbs, @BenSchragg You can listen to Fantasy Football Today in 5 on your smart speakers! Simply say "Alexa, play the latest episode of the Fantasy Football Today in 5 podcast" or "Hey Google, play the latest episode of the Fantasy Football Today in 5 podcast." Watch FFT on YouTube https://www.youtube.com/fantasyfootballtoday Join our Facebook group https://www.facebook.com/groups/FantasyFootballToday/ Sign up for the FFT newsletter https://www.cbssports.com/newsletter To hear more from the CBS Sports Podcast Network, visit https://www.cbssports.com/podcasts/ Learn more about your ad choices. Visit megaphone.fm/adchoices
Murf is back with his top Waiver Wire picks that are under 30% owned for Week 5.https://5yardrush.co.uk/waiver-wire-week-5-nfl/When you're going towards the end zone, make sure you use the right tools for the job and choose MANSCAPED. 2 million men worldwide trust them so join the movement with our exclusive offer by using code 5YARD at manscaped.com for 20% off + free shipping
Waiver Cinco con las mejores opciones de waivers para reclamar esta semana. Opciones en todas las posiciones, enfocado en jugadores como Damien Williams, Darnell Mooney, Trey Lance, Jamison Crowder y Quintez Cephus. Comparto algunas opciones extras y también opciones en ligas profundas.
It's a brand new episode of Waiver Wired with Jen Piacenti and Eddie Spaghetti. The duo first goes over some headlines like Mike Vrabel being quite vague about Julio Jones' injury and the Bucs adding Richard Sherman to an already very hyped Buccaneers vs Patriots game. Next, Jen gave you some waiver wire pickups such as Chuba Hubbard and Rashod Bateman for this week. Then, Chris Meaney of FTN joins to discuss players who have disappointed, players who have been a great surprise and answered some listener questions!
Week 4 in the #NFL is upon us and so is another week of player usage data. Dwain McFarland has combed through the stats and now he and co-host Brian Drake deliver it all to you. Tonight we welcome @RudyGamble, the co-founder of Razzball.com. We cover the highlights of Dwain's "Utilization Report" and focus on week 4 projections with Rudy. Waiver wire and roster management questions from our chat room are a constant theme.Follow the show on social media:Twitter: @FFHustle, @dwainmcfarland, @DrakeFantasyInstagram and Tik Tok: @FFHustleComment on the show and subscribe on YouTube: https://youtu.be/KCNYRU8_rB0Our clothing store can be found at: https://veridianglobal.com/collections/fantasy-football-hustleRead Dwain's articles at PFF.com and use code "Hustle" to save 25% off any subscription package.Listen to Brian host "Pro Football Focus" every Saturday 3-5 pm EST and Sunday 7-9 pm EST with Andrew Erickson on SiriusXM Fantasy Sports Radio.#FantasyFootball #WaiverWire #FantasySports #Hustle #FantasyFootballAdvice #DFS
Josh and Davey are back at it giving their expert advice on fantasy football! Week 3 was full of surprises and record breaking plays so who boomed and who busted? Waiver break down consisted of Sam Darnold, Chuba Hubbard and maybe a special streaming defense.
The Fantasy Football Friends suggest potential pickups available on the Week 4 waiver wire, from Rashod Bateman, Terrace Marshall, Emmanuel Sanders and Tim Patrick at receiver, to Chuba Hubbard and Peyton Barber at running back.Also, what's fair trade value for injured fantasy stars such as Christian McCaffrey and A.J. Brown?
Today I have a unique show covering a topic many of us don't give enough attention to, insurance. Rob Martin and Tori Hoeschler from the Horizon Agency are well versed on most things happening with Outdoor Sports Insurance and have a wealth of knowledge when it comes to the outdoor industry, risk management, and challenges facing outdoor brands and shops across the country. Brought to you this month by Grammarly. Facebook Twitter Instagram The Outdoor Biz Podcast Please give us a rating and review HERE Show Notes How you were introduced to the outdoors Rob? I grew up in Boulder, Colorado for the most part, and was skiing at a very early age and camping every weekend. And continued on at the University of Colorado. Then left in the Vail Valley for five years after that. So I'm born and raised in the outdoor industry. Tori, how about you? Yeah, I too would have to give all of the credit to my parents. My Dad, who's actually the founder of our outdoor sports insurance program and a former Olympic skier himself, and a major outdoor enthusiast. He would put me in a Jansport backpack as an infant go skiing with me down the hill. So I would say essentially from the point that I started to show signs of walking, I was in a pair of ski boots. It's kind of one of those things where it's hard to be in my family as well and not be an avid out outdoor enthusiast. Did you have an outdoor job, Tori? Not in the retail space. I would say the closest thing I had to an outdoor job was when I was younger, like high school, I was a nanny for a lot of summers. And then one of the summers, I was nannying in a neighborhood where there were a ton of kids and a ton of other nannies. And we basically joined forces and started what was kind of like a summer camp to entertain all of the kids all at once. We would just do all kinds of things, like go on hikes and go out to the lakes and do events like that. So that I think would probably be the closest thing to my first outdoor type job. Rob, how about you? I guess my first outdoor job really was out of college. I had an environmental management degree and worked for a fisheries biologist and got to run all over Colorado doing studies on the river and, shocking the river to do fish studies and those sorts of things. That job ended with some funding issues but I went up to Vail for the rest of one season and stayed five years, managing mountaineering shops. So that was what led to this career path. Rob, how did you actually get into insurance? So my first insurance gig was, was this gig. I met Tory's father, and she's going to talk about Jake here in a minute. But we were at a wedding in California and got paired up on a golf course and I was looking to do something different. He had started what was then the ski insurance, what was the national ski insurance program in Minneapolis. And I took a chance and came up and started working for him. And that was Twenty-five years ago. Tori? It's kind of funny because I really never had any intention of going into insurance. I have to say, you know, it's not necessarily a typical career path that people are like . . . when I grow up, I want to be an insurance broker. But you know, it is a program that I was effectively raised with if you will. And it's one that my dad started back in the eighties. He actually went to school out in Colorado and then went to law school at the University of Denver. When he completed his education he had a ton of friends from that area and also from his skiing days. And he saw that a lot of his friends went into the business side of the outdoor sports in the retail space also, in the manufacturing space, but mainly in the retail space. He was seeing a lot of these ski shops, just getting totally clobbered with these crazy frivolous lawsuits. So he happened into insurance himself kind of by accident. But then he thought, okay, well I have my insurance license. I have a law of degree and I have all these friends who are at the business end of insane suits. So that's where he got the idea for this outdoor sports program. Then I actually got into the insurance side of things about 15, 16 years ago, where I started out as an underwriter on the carrier side. And they say, once you get into insurance, you rarely get out. What types of insurance do you focus on for outdoor businesses? It's commercial insurance or business insurance. The bread and butter of our program are what we do for retailers and brands, so we are helping the retailers. Obviously, they need affordable insurance, they need the right coverages, but they also have unique exposures to things like rentals and demos and special events. And putting people in outdoor recreation gear comes with its own concerns. We also work very closely with them in regards to providing waivers and risk management training and all those sorts of things. Then on the brand side, it really is more product liability focused. We write all lines of coverage, but understanding the product liabilities is what we need to do there. And obviously, we see all kinds of different outdoor businesses from Outfitters to guides, to special events, kind of anything and everything we like to say. We want to help everybody in the outdoor industry, and that's what we try and do. Tell us about the top three insurance-related issues that many of our businesses are missing these days. This is an excellent question and you kind of hit the nail on the head with what I would say is the number one insurance-related issue that a lot of outdoor sports businesses are still not taking as seriously, or it's just not a line of insurance that they feel like they want to add to their insurance costs any further and that has to do with cyber liability. Currently, you are 10 times more likely to have a cyber event than you are to experience any kind of property damage, like a fire or something like that. And I think a lot of these businesses just kind of think of this in the context of those major hackings that are in the headlines where all these credit card numbers have been taken and that's what the hackers are after. And that's really not the case. What has really become quite a plague I would say in any industry sector, is this cyber extortion. And any type of business, if they use the internet in any way, shape, or form, they are exposed to this. And as I said, cyber liability is just not really a policy that people care to talk about. Cause they all say, well, we don't save anything on our servers. In addition to cyber, I would say on the retail side of things typically that we see outside of our OSI program is an outdoor sport retailer could have their standard property as well as their general liability coverage. But what they don't realize is, especially when it comes to the GL side, they actually are probably not going to be properly covered if they are involved with any kind of rentals or any kind of demos, or special events. Those policies very specifically exclude injuries for the people who happen to partake in those types of events. That's what makes the OSI program so amazing is that all of that insurance, all of that coverage is automatically built-in. That's somewhere there's going to be a major blind spot if you don't have the proper third-party liability coverage. Then with the manufacturers, a lot of times what we see is many of these manufacturers, actually make their products outside of the US, and then they import them in and they don't have the proper international coverage. Any insurance policy is going to say that the coverage territory is on a worldwide basis, but all that means is that the injuries can take place anywhere in the world. But typically if a person is going to try and seek some type of damages, they have to bring the suit back here in our country. And a lot of companies don't realize what a massive gap in insurance that is. There are policies out there that can be properly tailored to the international landscape. We don't see those as often as I think we should. And that's where we certainly can step in and, and help out on that front. An event could be anything from a clinic where all your employees are in the shop in the evening, and a rep's giving training to some kind of a swap meet. So people have these sales in the parking lot, where they sell stuff or it could be some kind of an event outside. What is the range of events on that? We have retailers that are obviously trying to compete with direct-to-consumer and Amazon and the rest of the world. And so they're trying to differentiate themselves in their communities and be that go-to shop. And a lot of times they're doing that, whether it's a demo day or a Mountain Fest or an educational clinic, whatever the case might be. And they can do those things in our program. We just want to work with them to make sure that we've got a proper waiver in place and that everybody that's involved, like if they're maybe partnering with a local brewery and serving beer or whatever the case might be. We've just got to walk them through that and make sure that they can go have a good, fun, safe event. And how do these small outdoor businesses handle the cost side of insurance? Because it can be pretty expensive, right? It's a little bit of a difficult question to answer because so many of the reasons why the costs of insurance are so high these days really have nothing to do with the actions of any one policy holder. Basically, it's what's happening in the overall climate and the overall American market overall. Up until 2005, The United States was averaging, I would say anywhere from six to seven catastrophic events every year. That would be like a hurricane or a wildfire or some kind of insane flood. Between 2005 and 2021 however, that average has now increased to over 20 events a year. And when we say catastrophic events, we're talking about events that cause hundreds and hundreds of millions of dollars in damage. So the insurance carriers have just been shelling out a ton when it comes to property claims. And then even on the liability side, the cost of healthcare just continues to go up. So that's going to make the cost of a third-party injury suit to be expanded as is the cost of these attorneys. So the way that we try to set our policyholders up for some type of success and to help us to manage their insurance costs, is we tell them to do everything that they can to mitigate their own exposure, you know, stay on top of your game, have the proper waivers, have the proper training for your employees, help us help them to showcase them as excellent managers of their own risk. I'll just add too, we've been at this 35 years now. And our program is big enough now we're really unique and don't have a lot of competition out there from the standpoint of we can absorb some of these bigger claims. Whether it be a seven-figure liability claim or a work comp claim or whatever the case might be based on the volume of premium that we have in this program and the relationships with the carriers that we have. We've been with the same carrier for over 30 years on our retail. And there's kind of safety in numbers in a way that we can stick with a client. even if their number comes up and they have a bad lawsuit or they have a bad property loss, we're not going to cancel them. We're going to stick with them. And it's all viewed across that whole program premium, which really puts us at an advantage. I'm sure there is a handful of future law-related landmines business owners should be aware of, what are some of those? We talked a little bit about the ADA piece, right? The ADA compliance and website accessibility have become this kind of new frontier of petty plaintiff lawsuits. What this involves is where an attorney we would otherwise refer to as the ambulance chasers if you will they will have a day job actually, and so they'll hire somebody who has a visual impairment. And then they'll just tell them to go on to a bunch of different websites, effectively to see if the websites have been set up in such a way where there is the appropriate code that can then talk to the computers of people who have a visual impairment. And if the websites in any way can not accommodate that, then these attorneys just send them a demand letter and say you were out of compliance with the ADA laws and you have caused our client to suffer some type of discrimination. We would like a settlement of like 14 or 15 grand. And in some cases that they just will send a super generic form, it won't even be specific to the shop. And they're just saying, we've been able to ascertain that you're out of compliance. So that's really been a landmine. And the thing is that is actually an exposure that is not a covered exposure by insurance. So that's an area where in addition to having really awesome coverages elsewhere in OSI, we really try to educate all of our policyholders and make them aware of these things. Because even though we don't have a solution for you, we still want you to be aware of this and help you sidestep these other exposures, where the insurance won't be able to pick up the tab if you will. And beyond that, Rick, I think, just in general, on the property side of things, we're all watching what's going on with climate change. Right. Our friends, friends in South Lake Tahoe, dodged a bullet, I think last week. We've got a ton of business in that area, but being able to provide affordable property insurance is going to be the challenge in the future. And then on the liability side, the legal climate out there, we've got these very liberal jurisdictions that are given these jury awards that, you know, were unheard of in the past. And so we've really got to be vigilant to make sure that we've got coverage, and we've got the right adjusters and attorneys defending these claims so that we can continue to provide affordable insurance for these outdoor companies we work with. You do a lot of business with industry groups, like the OIA and the SIA. Tell us a little bit about that. What we do with those groups is really just be a partner for them so that their members have a place to go to, to find proper, affordable insurance. And we've worked with OIA and SIA for decades. Now we work closely with the buying groups, whether it's GOA or SMC and SSL on the ski side, recently we started working with the BRA, which is the board retailers association. We really liked working with those industry groups so they know who we are and how we can benefit their members. And they've been great partners for us for years. Do you work with any nonprofit groups, like the Alaska Wilderness League or anyone like that? We do see non-profits that need insurance. A lot of that, again, is circling back to event-based things, whether they are an outdoor education type company, We've got a reasonably big program for the bike share industry. So most of the cities across the country, we'll set up a nonprofit. They want the liability off the city books and we work with those nonprofits. So we see a little bit of everything in the for-profit and non-profit world. Do you have any suggestions or advice for folks wanting to get into the insurance side of the business? What's that career path? It's a great career, but it's a career that takes a long time to build. When you start off, hopefully, you have a good company behind you that trains you properly and gives you the right resources and support that you need. But eventually, you build a book of business and a book of clients. And hopefully, they're all renewing with you every year and like what you're doing for them. And, and it's a great career in that you don't have to go start from scratch every year as a lot of sales jobs. You've got that renewal book behind you, and then you can hopefully write new business every year and continue to grow. But there's a lot of education in licensing and things like that, that go into it. But I would certainly encourage anyone that's interested, you know, there's not a lot of people to do what we're doing in regards to the outdoor space and we could use more. If you were able to hang a huge banner at the entrance of the OR show or The Big Gear show, what would it say? Rob- We're unique and we're best in class as far as the solution for businesses in the outdoor industry. Tori- Have us do what we do best so that all of our insureds can get back to doing everything that they enjoy doing best. Do you guys have any favorite books or books you give as gifts? Rob- I like the business books and Yvon Chouinard's Let my People go Surfing is a book I've given to a few people that need some encouragement, whether it be in the outdoor space or just taking an entrepreneurial attitude towards life. Tori- I tend to like either real fiction stories or the nonfiction space. I like to do things that have a lot of weird stories in them. So a favorite book that I've been giving out is American Kingpin. It's the story of the guy who founded the Dark website called The Silk Road, which was basically like the dark web Amazon for all things illegal. What is your favorite outdoor gear purchase under $100? Tori- Hand Warmers Rob- Headlamp Follow up with Rob and Tori Website: outdoorsportsins.com email: firstname.lastname@example.org Call TOLL FREE: 1-800-491-2858 Snippets 07:01 - 07:41 What types of insurance do you focus on for outdoor businesses? [EP 295] 08:19 - 08:41 Tell us about the top three insurance-related issues that many of our businesses are missing these days. [EP 295] 14:40 - 15:07 How do these small outdoor businesses handle the cost side of insurance? Because it can be pretty expensive, right? [EP 295]
We have a great show for you today! 23-18 in the NFL and 35-23 in College so far this year. Teasers were a hot commodity in the NFL betting world this week. First, Kiev O'Neil recaps College Football Week 4 and NFL week 3 with some massive upsets and some great performances. Then, he gets into some misleading final scores in both sports and some motivational spots for College Football week 5 and NFL Week 4. Next, Kiev gives out a nice College Football FREE PLAY for week 5! Then, D-Nasty comes on to discuss Fantasy football week 4! Who was injured this week? Waiver wire analysis. Non-starters trending up and players that could bust. Finally, the guys give out their nasty sleeper of the week that could help you win your matchup or DFS! Should you have any questions for us or would like us to break down a game, please feel free to tweet us @TheOddsBreakers Should you need a sportsbook please visit MyBookie.ag and use the promo code, “TheOddsbreakers” to get a 100% sign up bonus!!!! Terms, conditions and location apply. #Sportsbetting #FreePicks #FreePlays #Gamblingtwitter #NCAA #NBA #NHL #NFL #UFC #Horseracing If you want to subscribe to and get some very frequent winners Click Here, please become a member of The OddsBreakers by clicking shop and gain access to premium picks BEFORE the line moves! Please visit theoddsbreakers.com and click shop and pick one of our great handicappers including Kiev O'Neil @OBKiev. We are giving away a FREE THE ODDSBREAKERS T-shirt with all signups. You could also support us at Patreon.com for only $10 a month and get some benefits and merchandise.
How much of your FAB should you drop on Chuba Hubbard? Is Emmanuel Sanders a must-add? Plus, is Ezekiel Elliott back to being an elite Fantasy RB? You can follow the full-length Fantasy Football Today podcast here: https://podcasts.apple.com/us/podcast/fantasy-football-today-podcast/id261735167 Follow our FFT team on Twitter: @FFToday, @AdamAizer, @JameyEisenberg, @daverichard, @heathcummingssr, @ctowerscbs, @BenSchragg You can listen to Fantasy Football Today in 5 on your smart speakers! Simply say "Alexa, play the latest episode of the Fantasy Football Today in 5 podcast" or "Hey Google, play the latest episode of the Fantasy Football Today in 5 podcast." Watch FFT on YouTube https://www.youtube.com/fantasyfootballtoday Join our Facebook group https://www.facebook.com/groups/FantasyFootballToday/ Sign up for the FFT newsletter https://www.cbssports.com/newsletter To hear more from the CBS Sports Podcast Network, visit https://www.cbssports.com/podcasts/ Learn more about your ad choices. Visit megaphone.fm/adchoices
Episodio Waiver Cinco plus extra y más. Las mejores opciones a reclamar en waivers como Kadarius Toney, Zack Moss, Peyton Barber, un WR que viene regresando de lesión y las opciones principales por las que todos deberán pelearse en waivers. Además, opciones a reclamar en ligas profundas y las opciones a cortar para hacer espacio en tu roster.
Waiver wire time! The Fantasy Footballers are back with a new episode headed into Week 3! On today's fantasy football podcast, Week 3 waiver pickups and QB streamers! Who should you target, and who is droppable? Plus, injury updates and a new edition of “Where There's Smoke, There's Fire!” Manage your redraft, keeper, and dynasty fantasy football teams with the #1 fantasy football podcast. -- Fantasy Football Podcast for September 21st, 2021. (06:15) - MNF Recap (10:40) - Where There's Smoke, There's Fire (20:50) - NFL News (29:25) - Week 3 Waivers (30:00) - WR Waivers (41:25) - RB Waivers (48:50) - TE Waivers (52:35) - DST Streamers (54:45) - QB Streamers Connect with the show: Subscribe on YouTube Visit us on the Web Support the Show Follow on Twitter Follow on Instagram Check out today's sponsors: Mint Mobile SimpliSafe Head & Shoulders Traeger Grills Sleeper Pristine Auction -- Registration Code - BALLERS Support this podcast
Subscribe to The Official Fox Sports Radio Fantasy Football Podcast!Mike Harmon and Dan Beyer give their big takeaways from the Packers win over the Lions on Monday Night Football including TJ Hockenson cementing himself as a top tier TE, Aaron Jones making up for an absent Week 1 and more. Two weeks in, the guys worry about the likes of Alvin Kamara, Mike Davis, Jonathon Taylor and the Steelers WR corp. Waiver wire targets include Tony Pollard, Rondale Moore, KJ Osborn and more! Plus, a look ahead to Thursday Night Football between the Panthers and Texans. Learn more about your ad-choices at https://www.iheartpodcastnetwork.com
You can't talk about Week 2 without talking about the injuries, and after we name a few standouts we'll get into the QB injuries (3:00) and what it will mean for the Dolphins and Colts WRs if their QBs have to miss time. Of course we'll discuss the outlook for Justin Fields, plus all of the other key injuries you need to know about ... Buy or Sell (11:30): Is Tyler Lockett the best Seahawks WR? Does Ezekiel Elliott have a Tony Pollard problem? Should you be worried about Allen Robinson? We'll also give you an early look at the waiver wire (20:10), more news and notes (24:00), Week 2 winners (27:30) like Courtland Sutton and Rondale Moore and losers (34:10) like the TE position and Jameis Winston ... Top 5 at each position (42:00)! Are we still selling Rob Gronkowski? Are we buying Cooper Kupp? Derek Carr? And we recap each game (49:30) with our Fantasy thoughts ... Email us at email@example.com Fantasy Football Today' is available on Apple Podcasts, Spotify, Stitcher, Google Podcasts, Castbox, and wherever else you listen to podcasts. Follow our FFT team on Twitter: @FFToday, @AdamAizer, @JameyEisenberg, @daverichard, @heathcummingssr, @ctowerscbs, @BenSchragg Watch FFT on YouTube https://www.youtube.com/fantasyfootballtoday Join our Facebook group https://www.facebook.com/groups/FantasyFootballToday/ Sign up for the FFT newsletter https://www.cbssports.com/newsletter You can listen to Fantasy Football Today on your smart speakers! Simply say "Alexa, play the latest episode of the Fantasy Football Today podcast" or "Hey Google, play the latest episode of the Fantasy Football Today podcast." To hear more from the CBS Sports Podcast Network, visit https://www.cbssports.com/podcasts/ Learn more about your ad choices. Visit megaphone.fm/adchoices
Waiver wire time! The Fantasy Footballers are back with a new episode headed into Week 2! On today's fantasy football podcast, Week 2 waiver pickups and QB streamers! Who should you target, and who is droppable? Plus, injury updates and a new edition of “Where There's Smoke, There's Fire!” Manage your redraft, keeper, and dynasty fantasy football teams with the #1 fantasy football podcast. -- Fantasy Football Podcast for September 14th, 2021. (02:00) - MNF Recap, Mike's Story (15:50) - Where There's Smoke, There's Fire (26:50) - NFL News (31:20) - Week 2 Waivers (33:05) - WR Waivers (45:35) - RB Waivers (57:10) - TE Waivers (01:01:10) - DST Streamers (01:02:45) - QB Streamers Connect with the show: Subscribe on YouTube Visit us on the Web Support the Show Follow on Twitter Follow on Instagram Check out today's sponsors: NFLSundayTicket.TV/SundayReady - Code: BALLERS2021 Head & Shoulders DraftKings -- Code: BALLERS Traeger Grills Sleeper Pristine Auction -- Registration Code - BALLERS Support this podcast