Podcasts about Waiver

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Voluntary surrender of a known right or privilege

  • 903PODCASTS
  • 2,233EPISODES
  • 40mAVG DURATION
  • 5WEEKLY NEW EPISODES
  • Jul 30, 2022LATEST

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Best podcasts about Waiver

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Latest podcast episodes about Waiver

Fantasy Footballers - Fantasy Football Podcast
Injury Prone Myths + Key Questions, Waiver Tips - Fantasy Football Podcast for 7/30

Fantasy Footballers - Fantasy Football Podcast

Play Episode Listen Later Jul 30, 2022 52:01


On today's fantasy football podcast, injury-prone players, FAAB waiver tips, and tons more! Mike Evans or Michael Pittman? What to expect from George Kittle with Trey Lance at QB? Plus, which players “holding in” are the most concerning? Manage your redraft, keeper, and dynasty fantasy football teams with the #1 fantasy football podcast. -- Fantasy Football Podcast for July 30th, 2022. The 2022 Ultimate Draft Kit and Draft Analyzer are available NOW Connect with the show: Subscribe on YouTube Visit us on the Web Support the Show Follow on Twitter Follow on Instagram Learn more about your ad choices. Visit podcastchoices.com/adchoices

Teach and Retire Rich - The podcast for teachers, professors and financial professionals

Student loan expert (and former teacher) David Gourley discussed a time-sensitive student loan provision that could save borrowers thousands of dollars. Prior to event he asked for volunteers to share their loan data sets. He analyzed three submissions. During the event he announced that these three educators would save $14,000, $23,000, and $50,000 respectively. David also answered lots of student loan questions.  Contact David Federal Student Aid Info About Waiver Learned by Being Burned Meridian Wealth Management 403bwise.org

Student Loan Planner
Busting Common PSLF Waiver Misconceptions, New Updates on Interest Capitalization, and an SLP Pricing Announcement

Student Loan Planner

Play Episode Listen Later Jul 19, 2022 35:42 Very Popular


Pretty much everything regarding student loan debt is in flux right now, so it's a perfect time to get the facts straight and bust some misconceptions. Hopefully, this will ease your mind a bit and empower you to get the assistance you need to go after the debt relief you deserve. Join me in this episode as I break down some popular misconceptions about the PSLF Waiver and IDR Waiver programs, as well as a few other pertinent issues and updates around student loan debt relief, interest capitalization, and more. In today's episode, you'll find out: The major benefits of joining an occupation-specific PSLF Facebook group (check out the links below to join one!) How much student debt could be forgiven for teachers, nurses, social workers, etc through the PSLF Waiver Whether the PSLF Waiver is creating more or less inequality in student loan debt The truth about the most common misconception: You can only benefit from PSLF if you have 120 months (10 years) of credit. The specifics about the Department of Education's IDR Waiver and what it means for you What is Biden's newest proposal to change interest capitalization, when it'll go into effect, and how it will affect loan borrowers What you need to know about our pricing changes that go into effect September 1 Links mentioned:  Request an IDR and PSLF waiver webinar for your organization Join a PSLF Facebook Group by Occupation Join the PSLF-Eligible Physicians Facebook Group Use our free student loan calculator Manage your student loans at StudentAid.gov) Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Google Podcasts Leave an honest review on Apple Podcasts  Follow on Facebook, Twitter, or LinkedIn   Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan

ThePrint
ThePrintAM: What is the CAATSA waiver that US house passed for India?

ThePrint

Play Episode Listen Later Jul 16, 2022 4:45


ThePrint
Cut The Clutter: US amends law, India moves closer CAATSA sanctions waiver over Russian S-400 missiles & I2U2 summit

ThePrint

Play Episode Listen Later Jul 15, 2022 17:46


On Thursday the US House of Representatives passed an amendment to US law. The amendment authorises US govt to lift #CAATSA sanctions against India. Meanwhile, the grouping of #I2U2 in its first summit stressed on initiatives focusing on food & fuel security. Shekhar Gupta in episode 1036 of #CutTheClutter looks at what is CAATSA, what the latest move by US House means & what the I2U2 initiatives indicate.

Teach and Retire Rich - The podcast for teachers, professors and financial professionals

Recently retired 49-year old LAUSD veteran talks teaching, saving for an early retirement, and what's next.  Delia Fernandez, CFP® Joe Manchin and the A.C.A. Learned by Being Burned Meridian Wealth Management 403bwise.org

Student Loan Planner
Answering Your Sweet v. Cardona Questions, Waiver Updates and More!

Student Loan Planner

Play Episode Listen Later Jul 5, 2022 39:36 Very Popular


Washington may be headed into summer vacation doldrums, but for student loan borrowers now – more than ever – is a time to stay alert and informed! I'll start with a deep dive into a proposed settlement in the Borrower Defense to Repayment lawsuit (known as Sweet v. Cardona), outlining the origins of the class action and who stands to receive forgiveness from for-profit schools that marketed through fraudulent means. I'll also give you the latest updates on where PSLF and IDR waivers stand, and why a big announcement related to the student debt pause will likely occur in the next month. Then, I'll wrap up with announcements about Student Loan Planner's exciting new webinar initiative and program changes coming this fall. In today's episode, we're covering: What's it all about? A little background on Sweet v. Cardona What it means that it's a “proposed” settlement (and not yet finalized) The major issue at hand: Should those who were defrauded by scam for-profit universities be forgiven their government loans?  What to do if you've already applied for Borrower Defense and what to do if you haven't Updates to the PSLF waiver even though a final decision hasn't yet been made pending determination of executive authority Why I anticipate a big loan announcement in late July/early August Why people are missing out on $50 billion or more available for forgiveness How to get in on our newest initiative of free online info sessions to any groups or associations interested Changes in pricing our pricing structure starting September 1st A recap of refinancing and where it stands right now for borrowers   Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Google Podcasts Leave an honest review on Apple Podcasts  Follow on Facebook, Twitter, or LinkedIn   Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan

Teach and Retire Rich - The podcast for teachers, professors and financial professionals
High-Cost Firm Releases "Study" That Supports Its Model (#224)

Teach and Retire Rich - The podcast for teachers, professors and financial professionals

Play Episode Listen Later Jul 1, 2022 29:23


Security Benefit releases dubious "study" that to the surprise of no one supports its sales-agent based approach.  "Study" Press Release How to Find the Right Kind of Advisor Learned by Being Burned Meridian Wealth Management 403bwise.org

Wintrust Business Lunch
Wintrust Business Lunch 6/30/22: Emergency savings, SBA waiver program, and Serendipity Yoga and Wellness

Wintrust Business Lunch

Play Episode Listen Later Jun 30, 2022


Segment 1: Greg McBride, Senior Vice President and Chief Analyst, Bankrate, chats with guest host Anna Davlantes about a new survey that shows the majority of US households are uneasy with their level of emergency savings. Segment 2:  Nationally syndicated financial columnist and author Terry Savage joins guest host Anna Davlantes to talk about the volatility of the stock market […]

Tax DKP
GSTR-4 SOLUTION FOR NEGATIVE LIABILITY AND LATE FEES WAIVER

Tax DKP

Play Episode Listen Later Jun 29, 2022 8:09


GSTR-4 SOLUTION FOR NEGATIVE LIABILITY AND LATE FEES WAIVER

Teach and Retire Rich - The podcast for teachers, professors and financial professionals
Do As We Say Not As We Do: Equitable & NLG 401(k) Plans (#223)

Teach and Retire Rich - The podcast for teachers, professors and financial professionals

Play Episode Listen Later Jun 24, 2022 22:57


Vendors like AXA/Equitable and National Life Group sell high-cost products to educators but make excellent low-cost retirement plans available to their employees. We look at these firm's 401(k) plans.   Form 5500 Search Blog: National Life Group Hypocrisy Learned by Being Burned Meridian Wealth Management 403bwise.org

Student Loan Planner
Updates on the Limited PSLF Waiver and the MOHELA Transfer

Student Loan Planner

Play Episode Listen Later Jun 21, 2022 44:16 Very Popular


Senior Student Loan Advisor Meagan Landress, CSLP®, and one of our newest Student Loan Advisors, Sim Terwilliger, CFP®, CSLP®, discuss a number of relevant topics to student loan borrowers today. Listen as they answer listener questions from the inbox, technicalities about loan repayment (particularly around recertifying for your existing income-based repayment plan) and info about the Limited PSLF Waiver and consolidating your loans for PSLF. In today's episode, you'll find out: How Aidvantage is asking borrowers to recertify for income-based repayment Know when you'll actually need to recertify (not before March 2023!) How recertifying too soon can impact your income-driven repayment amount When we think student loan payments will resuem How to figure out your interest rates on federal student loans What FedLoan Servicing's transfer to MOHELA means for borrowers Where your data is stored (hint… it isn't just your servicer account) What to expect when consolidating your loans for PSLF or the IDR waiver How teachers can avail of PSLF and teacher loan forgiveness at the same time   Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Google Podcasts Leave an honest review on Apple Podcasts  Follow on Facebook, Twitter, or LinkedIn   Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan

HT Daily News Wrap
Govt Grants Age Waiver For Agnipath Amid Stir

HT Daily News Wrap

Play Episode Listen Later Jun 17, 2022 3:54


Top #news today:>Govt grants age waiver for Agnipath amid stir>Govt clears appointments, 6 High Courts to get new Chief Justices>Biden on recession: 'Not inevitable but we're in a stronger position'>U.S. NSA: Playing long game with India, engaged in ‘deep' dialogue>Priyanka Chopra shares glimpse of daughter Malti Marie in birthday post for 'nani' Madhu Chopra>Manoj Tiwary wins hearts with adorable gesture for family; Bengal player shows handwritten note after scoring 100Listen here:@HindustanTimes #News #DailyNews #DailyUpdates #currentaffairs #Podcasts #HTSmartCast

Teach and Retire Rich - The podcast for teachers, professors and financial professionals

Part 2 of interview with former AXA/Equitable vice president for business development. Topics covered include: firm's feelings toward 403bwise.org; company name change; importance of ASBO; key markets; where firm will be in 10 years.     Part 1 Equitable Bermuda Triangle Meridian Wealth Management 403bwise.org

Stories from 400 Feet
An Industry First: Elizabeth Police Department Obtains BVLOS Waiver for Drone as a First Responder Program in Class B Airspace with Paladin's Knighthawk

Stories from 400 Feet

Play Episode Listen Later Jun 16, 2022 24:52


Divy Shrivastava, Founder and CEO of Paladin, joins us again on Stories from 400 Feet to talk about working with the Elizabeth Police Department in New Jersey to obtain one of the first Beyond Visual Line of Sight (BVLOS) waivers in Class B airspace for a Drone as a First Responder (DFR) Program. To provide some context on what this means: The FAA defines class B airspace as: "Generally, that airspace from the surface to 10,000 feet MSL (mean sea level) surrounding the nation's busiest airports in terms of IFR (instrumental flight rules) operations or passenger enplanements." This is among the riskiest and most congested parts of the National Airspace (NAS) to get a waiver here is a significant achievement for autonomous UAVs. 

Music Therapy Chronicles
166. Medicaid Waiver: Chelsea Mabes, MA, MT-BC (part 1)

Music Therapy Chronicles

Play Episode Listen Later Jun 15, 2022 48:51


In this episode Chelsea shares her tips for working under the Medicaid waiver. We also discuss positive language and alternative vocabulary to use as therapists.

Drone News Update
Drone News: Paladin Class B BVLOS Waiver, Axon Taser Drone, Blue UAS Update, Mavic 3 update

Drone News Update

Play Episode Listen Later Jun 10, 2022 6:58 Very Popular


This week in drone news, Paladin has gotten a BVLOS waiver for class B airspace, Axon stops r&d on a Taser drone, more blue UAS added to the approved list, and a firmware upidate to the Mavic 3! Paladin Drones has received a class B BVLOS waiver for their Drone as First Responders system The waiver is for the Elizabeth Police Department in New Jersey Paladin's aircraft, the Knighthawk is a 4G LTE quadcopter with a 55 minute endurance designed specifically for first responders. Paladin's Watchtower solution also integrates video feeds with other manufacters for maximum situational awareness. https://paladindrones.io/class-b-beyond-visual-line-of-sight-waiver-granted-to-elizabeth-police-department/ Axon has stopped the plan to create a drone armed with a taser after a majority of its ethics board resigned due to the project. Axon founder and CEO stated “we are pausing work on this project and refocusing to further engage with key constituencies to fully explore the best path forward,” The board voted 8-4 against Axon continuing work on the project https://abcnews.go.com/Business/wireStory/axon-halts-plans-taser-drone-ethics-board-resign-85211941 More aircraft have been added to the Blue UAS list, including the Wingtra one, Alta x, Spirit, and Ebee Tac We've been critical in the past of the limited aircraft on the blue UAS list, the addition of these aircraft should allow for more competition and more capability Previously we reported that the capabilities of Blue UAS are lacking when compared to other manufacturers, such as DJI and Autel. https://dronexl.co/2022/06/03/wingtraone-altax-spirit-ebee-tac-blue-suas/ The telephoto lens now supports RAW Different frame rates for video (4K 25, 30, 50 Manual ISO and Shutter speed DJI May have also finally fixed the GPS issues! HLG on the main camera D-Log and HLG when recording master shots and Quickshots Check out the full changes on DroneXL! https://dronexl.co/2022/06/01/dji-mavic-3-firmware-update-gps/

Teach and Retire Rich - The podcast for teachers, professors and financial professionals

Former AXA/Equitable vice president for business development dishes on firm that dominates the K-12 403(b) market in terms of market share and participant anger (part 1 of 2).    Equitable Bermuda Triangle Meridian Wealth Management 403bwise.org

Divorce Master Radio
Judgment Reject - Final Declaration Of Disclosure Or Waiver Form FL - 144

Divorce Master Radio

Play Episode Listen Later Jun 10, 2022 1:50


Judgment Reject - Final Declaration Of Disclosure Or Waiver Form FL - 144 by Divorce Master Radio With Tim Blankenship

Commission: Impossible
Commission: Impossible 80 – salary dumping keeper issue, nerf qb rushing, playoff call outs, preseason waiver tiebreaker, DPI points

Commission: Impossible

Play Episode Listen Later Jun 7, 2022 34:56


Scott Fish and Ryan McDowell talk commissioner stuff. On this episode they talk about: salary dumping keeper issue, nerf qb rushing, playoff call outs, preseason waiver tiebreaker, DPI points and more…

Chicago's Afternoon News with Steve Bertrand
Before you go zip lining, should you sign that waiver?

Chicago's Afternoon News with Steve Bertrand

Play Episode Listen Later Jun 6, 2022


Bob Clifford, the founder of Clifford Law Offices in Chicago, joins Chicago's Afternoon News with Lisa Dent to discuss what rights people have after they sign a waiver.

Teach and Retire Rich - The podcast for teachers, professors and financial professionals

Former teacher teaches executive function techniques to middle school, high school and college students.  EF Specialists City Year Meridian Wealth Management 403bwise.org

KUOW Newsroom
Inmates asked to sign waiver freeing state prison of liability amid Covid outbreak

KUOW Newsroom

Play Episode Listen Later Jun 3, 2022 2:21


Hundreds of people at Stafford Creek Corrections Center— more than a quarter of those incarcerated, and dozens of staff — have tested positive for the coronavirus in the last month.

NASFAA's Off the Cuff Podcast
OTC Inside the Beltway: Updates on Targeted Loan Cancellation, Promotion of the PSLF Waiver, and NASFAA Preps National Conference Questions for ED

NASFAA's Off the Cuff Podcast

Play Episode Listen Later Jun 2, 2022 40:30


This week on "Off The Cuff," Justin and Karen are joined by Jon Fansmith, the American Council on Education's assistant vice president for government relations, to discuss the latest news from the Department of Education (ED) concerning borrower defense claims against Corinthian Colleges, Inc. The team discusses the Biden administration's efforts to implement targeted loan cancellation and whether the discussion over the potential for broad scale cancellation has overshadowed ED's recent actions to provide relief to defrauded borrowers. Jon then updates listeners on ED's promotion of the Public Service Loan Forgiveness (PSLF) program and whether enough outreach is being conducted to make borrowers aware of the available limited waiver. The team rounds things out with some questions they would consider asking Under Secretary James Kvaal, who later this month will be at the NASFAA national conference in Austin. Hugh then catches listeners up with a brief news recap concerning ED's updated roadmap for the next generation of federal student loan servicing and details a letter penned by a dozen House Republicans looking for the Department of Justice to intervene in ED's ongoing negotiated rulemaking process.

Agents of Change Social Work Test Prep
90 Day Waiver for ASWB Exam - Social Work Shorts - ASWB Study Prep (LMSW/LSW/LCSW Exams)

Agents of Change Social Work Test Prep

Play Episode Listen Later May 28, 2022 13:52


✅ Learn more about my course here: https://www.agentsofchangeprep.com Hi there, I am a Licensed Clinical Social Worker and I have been providing individualized and group test prep for the ASWB for over four years. From all of this experience helping others pass their exams, I have created a course to help you prepare for and pass the ASWB exam! Find more from Agents of Change here: ► Agents of Change Website: https://agentsofchangeprep.com/ ► Facebook Group: https://www.facebook.com/groups/aswbtestprep

Teach and Retire Rich - The podcast for teachers, professors and financial professionals

Student loan experts David Gourley and Mychal Eagleson, CFP® discuss a time-sensitive student loan provision that could save borrowers thousands of dollars.  Contact Mychal and David Federal Student Aid PSLF Waiver Info An Exceptional Life Financial Meridian Wealth Management 403bwise.org

Law School
Contract law (2022): Quasi-contractual obligations: Promissory estoppel (Part Two)

Law School

Play Episode Listen Later May 24, 2022 18:51


United States. Equitable estoppel. Equitable estoppel is the American counterpart to estoppel by representation. Its elements are summarized as: Facts misrepresented or concealed, Knowledge of true facts, Fraudulent intent, Inducement and reliance, Injury to complainant, and, Clear, concise, unequivocal proof of actus (not by implication). For example, in Aspex Eyewear v Clariti Eyewear, eyeglass frame maker Aspex sued competitor Clariti for patent infringement. Aspex waited three years, without responding to a request that it list the infringed patent claims, before asserting its patent in litigation. During this period, Clariti expanded its marketing and sales of the products. The Federal Circuit found that Aspex misled Clariti to believe it would not enforce its patent, and thus estopped Aspex from proceeding with the suit. Another example of equitable estoppel is the case of Sakharam Ganesh Pandit, an Indian emigrant and lawyer who was granted American citizenship in 1914 due to his designation as "white". Subsequently, Pandit bought property, was admitted to the California bar, married a white woman, and renounced his rights to property and inheritance in British India. Following the Supreme Court case United States v Thind, which found that Indians were considered non-white, and in which Pandit represented the applicant, Bhagat Singh Thind, the US government moved to strip Pandit of his "illegally procured" citizenship. Pandit successfully challenged the denaturalization, arguing that under equitable estoppel, he would be unjustly harmed by losing his citizenship, as it would cause him to become stateless, lose his profession as a lawyer, and make his marriage illegal. In U.S. v Pandit, the U.S. Court of Appeals for the Ninth Circuit upheld Pandit's citizenship, ending denaturalization processes against him and other Indian-Americans. Promissory estoppel. In many jurisdictions of the United States, promissory estoppel is an alternative to consideration as a basis for enforcing a promise. It is also sometimes called detrimental reliance. The American Law Institute in 1932 included the principle of estoppel into § 90 of the Restatement of Contracts, stating: A promise which the promisor should reasonably expect to induce action or forbearance of a definite and substantial character on the part of the promisee and which does induce such action or forbearance is binding if injustice can be avoided only by enforcement of the promise. — Restatement (Second) removed the requirement that the detriment be "substantial". However: Equitable estoppel is distinct from promissory estoppel. Promissory estoppel involves a clear and definite promise, while equitable estoppel involves only representations and inducements. The representations at issue in promissory estoppel go to future intent, while equitable estoppel involves statement of past or present fact. It is also said that equitable estoppel lies in tort, while promissory estoppel lies in contract. The major distinction between equitable estoppel and promissory estoppel is that the former is available only as a defense, while promissory estoppel can be used as the basis of a cause of action for damages. — 28 American Jurisprudence 2d Estoppel and Waiver § 34 --- Send in a voice message: https://anchor.fm/law-school/message Support this podcast: https://anchor.fm/law-school/support

Hub Talks
Arbitration World: U.S. Supreme Court to Address Prejudice Requirements For Waiver of Arbitration Agreements

Hub Talks

Play Episode Listen Later May 23, 2022 12:34


In this episode, partners Jackie Celender and Lindsay Sampson Bishop, along with associate John Gavin, discuss the oral argument recently heard by the U.S. Supreme Court in Morgan v. Sundance dealing with the question of whether parties to arbitration agreements can be found to have waived their right to compel arbitration only where the other party is prejudiced in some way.

The Broadcast Retirement Network
BRN AM | Loan Forgiveness? A Reminder about Student loan waiver Programs

The Broadcast Retirement Network

Play Episode Listen Later May 23, 2022 21:41


BRN AM | Loan Forgiveness? A Reminder about Student loan waiver Programs  | Betsy Mayotte, The Institute of Student Loan Advisors  | www.broadcastretirementnetwork.com

Clare FM - Podcasts
Clarity To Be Sought On HPV Vaccine Fee Waiver At Oireachtas Health Committee

Clare FM - Podcasts

Play Episode Listen Later May 18, 2022 1:08


A Clare Government Senator is demanding a timeline for the introduction of a fee waiver for receiving the HPV vaccine under the Government's ‘catch up programme'. This morning the Oireachtas Health Committee will be discussing the HSE Service Plan for 2022 and Fine Gael Senator Martin Conway has been telling Clare FM's Rebecca O'Sullivan that he will be looking for clarity on the matter.

The Chase Thomas Podcast
The Full Ride: ACC Getting Rid Of Divisions, Transfer Waiver Questions & 2022 SEC Title Odds With Matt Green. Plus, College Basketball With Stats By Will & Interview With Maryville Head Football Coach Derek Hunt

The Chase Thomas Podcast

Play Episode Listen Later May 13, 2022 145:16


Chase Thomas is the Sports Renaissance Man, Atlanta Sports Guy and Vol For Life. On today's program, Chase is joined by fellow University of North Georgia alumni Matt Green to talk about the ACC making huge changes to its divisions and conference schedule in 2023, the future of rivalries in college football, transfer waiver questions, Emory Jones to Arizona State, and 2022 SEC Title Odds with some interesting stats about Ole Miss and Florida (6:00). Then, Stats By Will joins the program to talk about Julian Phillips to the Tennessee Vols, Rick Barnes' consistency at UT, early 2023 sleeper championship picks in the NCAA Tourney, and a 2021-2022 season review of the Memphis Tigers (66:00). To wrap, Maryville High head football coach Derek Hunt joins the program to talk about the Maryville Rebels, following a coaching legend like George Quarles, what separates him as a head coach, what makes his offense go, what he's still thinking about from the Oakland game, the future of high school football and much more (120:00). Host: Chase Thomas Guests: Matt Green, Stats By Will, & Derek Hunt Learn more about your ad choices. Visit podcastchoices.com/adchoices

Dawn Moore's Tip of the Week
Appraisal waiver vs. denial of loan due to insufficient funds.

Dawn Moore's Tip of the Week

Play Episode Listen Later May 12, 2022 4:15


Today, Dawn explains how a buyer can avoid defaulting under a contract requiring the full waiver based on insufficient funds.

Not Gambling Advice
33 | Six Waiver Pickups and Two Pitchers to Stream in Fantasy Baseball

Not Gambling Advice

Play Episode Listen Later May 9, 2022 34:25


Peter and Colby talk about six players you should pick up for your fantasy team. They also bring one pitcher each with two starts this week and will be readily available in most leagues. Use Code "JustBaseball" for Deposit Match on MyBookie Use Code "JustBaseball" for Deposit Match on Prize Picks Join our Baseball Group Chat on Chalkboard Get Your Just Baseball Merch! Check out our website: https://www.justbaseball.com/ Personal Twitters: @peterappel23, @colby_olson3 Please subscribe and leave a five-star review if you enjoy Not Gambling Advice on Apple Podcasts or Spotify. Learn more about your ad choices. Visit megaphone.fm/adchoices

TBS eFM This Morning
0509 Heads Up Monday

TBS eFM This Morning

Play Episode Listen Later May 9, 2022 7:24


Heads Up Monday-9th, President 문's last day in office-윤석열 will be inaugurated on May 10. -Waiver of additional heavy taxation for multi-home owners to be effective from May 10, one day earlier than originally planned-From May 11, public health centers to stop rapid antigen test-문 대통령, 9일 현충원·효창공원 참배, 퇴임연설 예정-10일, 尹 취임식, 연예인·카퍼레이드 없이 '국민 가까이' 강조-다주택 양도세 중과배제 하루 앞당겨 시행…이달 10일부터-11일부터 선별진료소 신속항원검사 중단Guest: Cho Na-young, ReporterSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Pack Pride - The NC State Wolfpack Podcast
Pack Pride Spaces: Chandler Zavala granted waiver, New expectations for 2022?

Pack Pride - The NC State Wolfpack Podcast

Play Episode Listen Later May 6, 2022 41:45


NC State football got a huge boost in the trenches on Thursday evening with the NCAA granting a medical waiver for offensive lineman Chandler Zavala. Not only was it huge for Zavala personally, but it was also a massive addition for the Wolfpack at a position of need after losing Ikem Ekwonu this offseason. In this emergency Spaces session on Twitter, Michael Clark and Cory Smith give their thoughts on Zavala's waiver being granted, the NCAA doing something right (for once), the heightened expectations for the Pack and much more with the Spaces audience.

The Lien Zone Podcast: A Podcast About Construction Law, Contracts, Liens and Bonds

The form of partial and final waiver of release that you should use depends primarily on where you are in the chain of contracts. Are you the general contractor? Are you a subcontractor? Are you a sub-subcontractor or a supplier? The general rule is this.­ Try to give the narrowest release possible when you are the one … + Read More The post What form of partial and final waiver should I use? appeared first on TheLienZone Podcast.

Student Loan Planner
The Income-Driven Repayment Waiver: What You Need to Know

Student Loan Planner

Play Episode Listen Later May 3, 2022 45:19 Very Popular


Vastly underreported in the media, the IDR waiver is currently being portrayed as an option for tens of thousands who are eligible for PSLF or income-driven repayment. Join me as I discuss this once-in-a-lifetime opportunity, and how I see this as a way to help millions get forgiveness. Listen in as I break down all you need to know about the IDR waiver! In today's episode, you'll find out: What is the IDR waiver How it's meant to help student loan borrowers Why you need to pay attention to the IDR waiver The potential limitations of the IDR waiver Who could benefit from this once-in-a-lifetime opportunity How many people can get immediate cancellation The political and legal headlines I think we'll see because of it Why the current administration is so keen on promising student loan cancellation Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Google Podcasts Leave an honest review on Apple Podcasts  Follow on Facebook, Twitter, or LinkedIn   Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan

Boardroom Governance with Evan Epstein
Anat Alon-Beck: Private Markets and Waivers of Stockholder Inspection Rights

Boardroom Governance with Evan Epstein

Play Episode Listen Later May 2, 2022 63:19


0:00 Intro.1:18 Start of interview2:01 Anat's "origin story". She grew up in Israel. She practiced corporate law, VC fund formation, startup representation and M&A in Israel before moving to the U.S. 7:03 Her academic focus at Case Western Reserve University School of Law (Cleveland, Ohio).9:12 On the practice of compelling employees, who are not yet stockholders, to waive their stockholder inspection rights under Delaware General Corporation Law (Section 220) as a condition to receiving stock options from the company. Based on her paper Bargaining Inequality: Employee Golden Handcuffs and Asymmetric Information, triggered by this WSJ article on the DOMO case.20:42 Her hand-collected data set consisting of the SEC's public filings finding that many firms began requiring that their employees sign a waiver clause titled “Waiver of Statutory Information Rights” post Domo (there was a "huge uptick"). NVCA's model legal documents including this waiver clause in its Investors' Rights Agreement.27:58 The Good Technology (2018) and JUUL Labs, Inc. v. Grove (2020) cases. Description of classic conflicts of interest in venture-backed companies. Discussion of the "internal affairs doctrine".37:35 On dual fiduciaries and "new" conflicts by founders with other common stockholders (prompted by super voting shares, multiple board votes, ff preferred stock, etc). The Trados case. Fiduciary duties of venture-backed company directors. On the shift of control from VCs (preferred stockholders) to founders. "Bargaining power is the key."54:32 Take-away thoughts for directors of venture-backed companies. Lawyers as gatekeepers.58:06 The 1-3 books that have greatly influenced her life:Startup Nation,  by Dan Senor and Saul Singer (2009)Regional Advantage, by AnnaLee Saxenian (2006)The Capitalist and the Activist, by Tom C.W. Lihn (2022)59:34 - Who were your mentors, and what did you learn from them? Irit Haviv Segal, from Tel Aviv UniversityLynn Stout, from Cornell Law SchoolRobert Hockett, from Cornell Law SchoolFrom NYU: Ed Rock, Helen Scott, Karen Brenner, Gerald Rosenfeld, David Yermack.1:00.48 - Are there any quotes you think of often or live your life by? "Be the change that you want to see in the world" "I've always been an activist and that's the mantra that I live by."1:01:28- An unusual habit or an absurd thing that she loves: Fricasse (Tunisian sandwich), working out.1:02:02 - The living person she most admires: Prof. Jill Fisch (Penn Law).Anat Alon-Beck is an Assistant Professor of Law at Case Western Reserve School of Law. Her research examines how legal and regulatory structures influence the shift in equities from public markets to private markets, and the rise in the number of “unicorn” firms.__ You can follow Evan on social media at:Twitter: @evanepsteinLinkedIn: https://www.linkedin.com/in/epsteinevan/ Substack: https://evanepstein.substack.com/__Music/Soundtrack (found via Free Music Archive): Seeing The Future by Dexter Britain is licensed under a Attribution-Noncommercial-Share Alike 3.0 United States License 

Redeye
Documents confirm Canada's cozy relationship with pharma industry

Redeye

Play Episode Listen Later May 2, 2022 17:22


The pandemic has killed an estimated 18 million people around the world, with many more dying in lower-income countries where vaccination rates remain low. Despite this, Canada continues to oppose an IP waiver at the WTO meaning that vaccines are only available in wealthier countries. We talk with Nikolas Barry-Shaw about how the Canadian government is working with the pharma industry to preserve patents on life-saving vaccines.

Supreme Court of the United States
Shoop v. Twyford, No. 21-511 [Arg: 04.26.2022]

Supreme Court of the United States

Play Episode Listen Later Apr 28, 2022 58:40


QUESTION PRESENTED Whether federal courts may use the All Writs Act to order the transportation of state prisoners for reasons not enumerated in 28 U.S.C. § 2241(c); and  whether, before a court grants an order allowing a habeas petitioner to develop new evidence, it must determine whether the evidence could aid the petitioner in proving his entitlement to habeas relief, and whether the evidence may permissibly be considered by a habeas court. Date Proceedings and OrdersOct 04 2021 | Petition for a writ of certiorari filed. (Response due November 5, 2021)Oct 27 2021 | Motion to extend the time to file a response from November 5, 2021 to December 6, 2021, submitted to The Clerk.Oct 28 2021 | Motion to extend the time to file a response is granted and the time is extended to and including December 6, 2021.Nov 05 2021 | Brief amici curiae of Utah and 14 Other States filed.Dec 06 2021 | Brief of respondent Raymond Twyford in opposition filed.Dec 06 2021 | Motion for leave to proceed in forma pauperis filed by respondent Raymond Twyford.Dec 08 2021 | Reply of petitioner Tim Shoop, Warden filed.Dec 08 2021 | Waiver of the 14-day waiting period under 15.5 filed.Dec 15 2021 | DISTRIBUTED for Conference of 1/7/2022.Jan 10 2022 | DISTRIBUTED for Conference of 1/14/2022.Jan 14 2022 | Motion for leave to proceed in forma pauperis filed by respondent GRANTED.Jan 14 2022 | Petition GRANTED.Jan 21 2022 | Joint motion to dispense with printing the joint appendix filed.Feb 22 2022 | Motion to dispense with printing the joint appendix filed by petitioner GRANTED.Feb 25 2022 | Brief of petitioner Tim Shoop filed.Mar 04 2022 | Brief amici curiae of State of Utah and 20 Other States filed.Mar 07 2022 | Brief amicus curiae of United States in support of neither party filed.Mar 15 2022 | ARGUMENT SET FOR Tuesday, April 26, 2022.Mar 16 2022 | Record requested from the U.S.C.A. 6th Circuit.Mar 16 2022 | Motion of the Solicitor General for leave to participate in oral argument as amicus curiae, for divided argument, and for enlargement of time for oral argument filed.Mar 16 2022 | Opposition to motion of the Solicitor General filed by petitioner Tim Shoop.Mar 16 2022 | The record from the U.S.C.A. 6th Circuit is electronic and located on PACER. Also available are documents that has been electronically filed.Mar 19 2022 | Motion to appoint counsel filed by respondent Raymond Twyford.Mar 23 2022 | CIRCULATEDMar 28 2022 | Brief of respondent Raymond Twyford filed. (Distributed)Apr 01 2022 | Brief amici curiae of 18 Former Federal Judges filed. (Distributed)Apr 04 2022 | Brief amicus curiae of American Bar Association filed. (Distributed)Apr 04 2022 | Brief amici curiae of Law Professors filed. (Distributed)Apr 04 2022 | Brief amicus curiae of Massachusetts General Hospital Center for Law, Brain & Behavior filed. (Distributed)Apr 05 2022 | Reply of petitioner Tim Shoop filed. (Distributed)Apr 06 2022 | Motion to appoint counsel DISTRIBUTED for Conference of 4/22/2022.Apr 14 2022 | Motion of the Solicitor General for leave to participate in oral argument as amicus curiae, for divided argument, and for enlargement of time for oral argument is GRANTED IN PART, and the time is allotted as follows: 30 minutes for petitioner, 15 minutes for the Solicitor General, and 25 minutes for respondent.Apr 25 2022 | Motion to appoint counsel filed by respondent GRANTED, and Michael J. Benza, Esq., of Chagrin Falls, Ohio, is appointed to serve as counsel for respondent in this case.Apr 26 2022 | Argued. For petitioner: Benjamin M. Flowers, Solicitor General, Columbus, Ohio. For United States, as amicus curiae: Nicole F. Reaves, Assistant to the Solicitor General, Department of Justice, Washington, D. C. For respondent: David A. O'Neil, Washington, D. C.★ Support this podcast on Patreon ★

FTN Fantasy Baseball Podcast
FTN Fantasy Baseball Pod (Ep.17) - World's Best Hitter Ty France! with Scott Jenstad

FTN Fantasy Baseball Podcast

Play Episode Listen Later Apr 27, 2022 73:09 Very Popular


Vlad Sedler (@rotogut) and special guest Scott Jenstad (@scottjenstad) discuss baseball's hottest and coldest hitters in the month of April. Could Ty France finish the season as a top-5 1B? Will Dansby Swanson whiff at a 40% clip forever? They dive into some injury news and provide a sneak preview of Week 5 FAAB as well. Players Mentioned:- Ty France- C.J. Cron- Brendan Rodgers- Franmil Reyes- Dansby Swanson- Bruce Zimmermann- Daniel Lynch- Alex CobbPromo Code: FTN saves you 10% any package at www.ftnfantasy.com/pricing

Student Loan Planner
How to Help Your Friends Qualify for the PSLF Waiver

Student Loan Planner

Play Episode Listen Later Apr 26, 2022 27:33 Very Popular


The temporary PSLF waiver is an amazing opportunity that offers expanded loan forgiveness for a limited time. Learn how you can use your knowledge of this once-in-a-lifetime program to help your friends get forgiveness on their loans before the October 31, 2022, deadline. Plus, I'm answering listener questions to clarify some points of the PSLF waiver, income recertification and Parent PLUS loans. In today's episode, you'll find out: Why you need to take advantage of the PSLF waiver How to share the PSLF waiver opportunity with your friends Why a student loan consult makes sense for your student debt The new income recertification date you need to know for IDR plans How consolidation can help you get more qualifying payments When consolidation could cause problems Whether or not Parent PLUS loans qualify for the PSLF waiver When double consolidation makes sense for Parent PLUS loans Why being vulnerable when talking about student loan debt matters How best to educate your friends on the temporary waiver Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Google Podcasts Leave an honest review on Apple Podcasts  Follow on Facebook, Twitter, or LinkedIn   Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan

Fantasy Baseball Today in 5
Is Shane Bieber Back? Waiver Hitters & Tony Gonsolin (4/21 Fantasy Baseball Podcast)

Fantasy Baseball Today in 5

Play Episode Listen Later Apr 21, 2022 6:18 Very Popular


Shane Bieber picked up his first win of the season on Wednesday. What did he do differently? Is it sustainable? Is it time to add Jurickson Profar, Anthony Santander, and Alec Bohm? What does this Andrew Heaney injury mean for Tony Gonsolin? 'Fantasy Baseball Today in 5' is available on Apple Podcasts, Spotify, Stitcher, Google Podcasts, Castbox and wherever else you listen to podcasts.  Get 20% off Fantasy Baseball Today merch: https://store.cbssports.com/collections/fantasy-baseball-today?utm_source=podcast-apple-com&utm_medium=web&utm_campaign=buy-our-merch&utm_content=fantasy-baseball-collection Follow our FBT team on Twitter: @FBTPod, @CTowersCBS, @CBSScottWhite, @Roto_Frank Join our Facebook group at https://www.facebook.com/groups/fantasybaseballtoday Sign up for the FBT Newsletter at https://www.cbssports.com/newsletters/fantasy-baseball-today/ For more fantasy baseball coverage from CBS Sports, visit https://www.cbssports.com/fantasy/baseball/ To hear more from the CBS Sports Podcast Network, visit https://www.cbssports.com/podcasts/ You can listen to Fantasy Baseball Today in 5 on your smart speakers! Simply say "Alexa, play the latest episode of the Fantasy Baseball Today in 5 podcast" or "Hey Google, play the latest episode of the Fantasy Baseball Today in 5 podcast." Learn more about your ad choices. Visit megaphone.fm/adchoices

FTN Fantasy Baseball Podcast
Early Season Frauds + The Closer Carousel

FTN Fantasy Baseball Podcast

Play Episode Listen Later Apr 20, 2022 66:02 Very Popular


Vlad Sedler (@rotogut) and special guest FTN baseball analyst Matt Kupferle (@MKupferle) review hitters off to hot starts we should be weary of and slow-starting hitters to hold. They also dive into some closer/relief pitcher talk and provide a super early look at Week 4 FAAB.Use Promo Code: "ROTOGUT" for 20% at https://www.FTNFantasy.com/pricingTopics Include:Hot-start hitters not to fall forCold hitters to not yet worry aboutAround-the-league injury newsBullpen shakeups and closers we can trustEarly look at Week 4 FAABPlayers Mentioned:Byron BuxtonJordan RomanoTaylor WardOwen MillerHector NerisPlease subscribe/rate/review. THANK YOU!

RotoGraphs Fantasy Baseball
The Sleeper and the Bust Episode: 1042 – Assessing Key Waiver Pickups

RotoGraphs Fantasy Baseball

Play Episode Listen Later Apr 19, 2022 61:02 Very Popular


Paul and Justin discuss the viability of several key adds from this weekend's FAAB run including Taylor Ward, Josh Naylor, Hector Neris, Jhoan Duran, Andrew Heaney, and more!!

RotoWire DFS Podcast
NBA Playoffs + MLB Waiver Pick-Ups

RotoWire DFS Podcast

Play Episode Listen Later Apr 18, 2022 4:36


[April 18th] – On today's episode, we highlight the latest news in the NBA and MLB! Plus, a quick look @ some fantasy options to take a look at on the waiver wire for MLB week 3. In less than 5 minutes, Brandon Kravitz gives you quick, clear updates from around the world of Sports Betting and Daily Fantasy. ➡️ Follow @BrandonKravitz on Twitter...RotoWire 10-Day Trial: RotoWire.com/Pod Learn more about your ad choices. Visit podcastchoices.com/adchoices

Not Gambling Advice
27 | Fantasy Pitchers to Stream: (April 18-24), Waiver Pickups

Not Gambling Advice

Play Episode Listen Later Apr 17, 2022 23:43


Peter & Colby have three pitchers to stream this week, with two starts in win-friendly environments to start the week. They also bring two waiver-wire pickups available in up to 98% of leagues. Join our Baseball Group Chat on Chalkboard Get Your Just Baseball Merch! Check out our website: https://www.justbaseball.com/ Personal Twitters: @peterappel23, @colby_olson3 The Just Baseball Show The Call-Up Please subscribe and leave a five-star review if you enjoy Not Gambling Advice on Apple Podcasts or Spotify. Learn more about your ad choices. Visit megaphone.fm/adchoices

The Remote Real Estate Investor
Protect your short term rental with the right insurance strategy

The Remote Real Estate Investor

Play Episode Listen Later Apr 5, 2022 24:41


Jason Bott joined Robertson Ryan in 2004 as a Vice President and in 2016 he became a Shareholder. Being part of Robertson Ryan, the largest independent insurance agency in Wisconsin, and a Top 100 US Agency, gives Bott the resources to handle standard and non-standard policies. He specializes in real estate risk management and has developed a national reputation for insuring real estate owners and investors of varying sizes. The short-term rental space has become more accessible over the last several years, with industry leaders like Airbnb currently boasting 5.6 million active listings worldwide. Short-term rentals can be an attractive alternative to long-term rentals because of the increased cash flow on your investment. Before deciding to rent a portion of your home for a vacation rental, though, you need to consider how your homeowner's insurance views short-term rentals. In this episode, Jason will walk us through the short-term rental space and what we as landlords need to know about the types of insurance that are available. Episode Links: jbott@robertsonryan.com  https://www.robertsonryan.com/ --- Before we jump into the episode, here's a quick disclaimer about our content. The Remote Real Estate Investor podcast is for informational purposes only, and is not intended as investment advice. The views, opinions and strategies of both the hosts and the guests are their own and should not be considered as guidance from Roofstock. Make sure to always run your own numbers, make your own independent decisions and seek investment advice from licensed professionals.   Michael: What's going on everyone? Welcome to another episode of the Remote Real Estate Investor. I'm Michael Albaum, and today I'm joined by Jason Bott an insurance broker with Robertson and Ryan, and Jason's gonna be talking to us about the short term rental space and what we as landlords need to know about the types of insurance that are available. So let's get into it.   Hey, Jason, welcome to the show. Thank you so much for taking the time to hang out with me today. I appreciate you.   Jason: Thanks for having me.   Michael: No, my pleasure. So for those folks that don't know who you are, give us a quick bio on who you are, where you're come from, and what it is you're doing real estate.   Jason: Sure. My name is Jason Bond, I'm an insurance commercial insurance broker with Roberts, Ryan and Associates based on Waukee. I currently write about 25,000 units in 30 states with my team and we specialize in the real estate space, specifically in small to mid-size landlords. So anybody that's got a small single family portfolio, kind of building that all the way up to some of my largest clients have maybe up to 1000 units but that's kind of the space that operated   Michal: Right on and today, we're gonna be talking about a super-hot topic that's been popping up all over the real estate space, short term rentals. So I would love if you could just give us kind of a high level on what people need to be aware of what questions they should be asking. But maybe we could start with like, if someone's going to go get an insurance policy and they own like they own the property, its landlord, give us a breakdown of all the different types of policies they could get if it's your long term rental, and we can build up to the short term.   Jason: Sure, sure, yeah and this is such a fast moving space, at least in the insurance world terms at the insurance market hasn't fully developed to take on the short term rentals. So it's still in flux and even if somebody listened to this five years from now, it's probably going to even be more, it might even be fully developed at that time who knows. But the way they traditionally the way that the insurance world works is a property in a sort of building the insurance policies based on the occupancy so you could have your homeowner's policy, a long term rental, you could have it use for business and retail, industrial, or basically any building depending on who's inside that's how the insurance company knows what policy to put on there. Okay, so traditionally, homeowners policies for your primary, primary home, okay, so if you're living there, 24/7, that's a homeowner's policy, if a traditional rental policy is based on either month to month, or annual leases, but the idea is that you don't have a high turnover of people. So all the insurance policies written out there that a landlord traditionally set up for annual leases and that's where some of these, the short term rental thing kind of came into play. All of a sudden, it, it kind of, it didn't match up the traditional, you know, insurance policy, you know, they're all legal documents that are all filed with the state and the insurance companies have to keep updating those and that's what we're going through right now, if it makes sense.   Michael: Okay, it does make sense, but just a clarifying question. So you said either month to month or annual leases and so when we say the term short term rental, does that mean 30 days or less?   Jason: Yeah, it means 30 days or less. I mean, I mean, there was a little there's a little give and take and a gray area there, it's the problem is, is along with the traditional landlord policy, if that property was vacant for more than 60 days, then you would default to what they call basic coverage, which means that we exclude theft, exclude vandalism, and exclude a lot of those items that still might on a short term rental, I mean, that style still might be present. So the short term rental policy picks some of those things up and that's really so that's why if you have a traditional landlord policy, and you're using it for short term rentals, even a month to month there, it's still really not the right fit and still create some gaps.   Michael: Interesting okay. Well, I definitely want to circle back to that and what type of policy they should be getting. But curious, because, I mean, I always joke that I get to ask self-serving questions on these podcasts, somewhat like the house hacking, I own the property, I live in the property full time, but I rent out the upstairs unit and so should I be on a homeowner's policy or should I be on a landlord policy? What's right for you?   Jason: So, so you should be because it's your primary residence, it should be a homeowner's policy. Okay, all right. Now, knowing that you've you've taken some time and you've traveled in been away from the property for quite a long time. There is also the next step where you can buy another basically, short term rental policy where you can still go visit the politicians The property and live there, but it's not your primary residence. So that's still like another step in the evolution. So if I if I had to talk through, like all the evolutions if you have a single family property, and you live there by yourself, that's a homeowner's policy. If you have a single family home, you live there and you got a roommate, you can add an endorsement to the policy, right? If you have a duplex, you live there by us, you know that your primary residence, and you have a renter upstairs, that's a homeowner's policy with a landlord endorsement on it. The next step is, let's see, you then sell that property or you move out of that property, you buy yourself another single family home, the house hack, that first duplex now turns into more of a either a short term rental property, if that's the way you're going to use it, or landlord property or policy, if you're going to go ahead and lease it out annually. So see, each time you take that step, yeah, in the occupancy changes, it does trigger a change as you should make on your insurance policy.   Michael: Okay and that's such a good, I mean, good thing to know, cuz I think so many of us think, oh, well, our mortgage doesn't change if I move out of the property now rent it. But the insurance absolutely does, right. So this is a phone call, we should be making ahead of time with our agent and having that conversation?   Jason: Exactly, I think a lot of people think that just because it's still in their personal name, they still have their personal mortgage on there, that they're all good. But again, the key thing you want to think of is, are you changing the usage or the occupancy of the house. And if so, you probably need to make some sort of adjustment on your insurance policy. I mean, all the products are out there. You just have to keep your, you know, as you're scaling up in this real estate, investor space, and you keep going working up your ladder, and keep leveraging, on every step, you do need to make an adjustment. It's your policy.   Michael: Okay. Great to know and then kind of another hybrid of the hybrid question. So my situation I live permanently, it's my prime residence downstairs, I rent upstairs monthly, month minimums. But now let's say I want to start renting out the bottom portion when I go out on vacation for doing nightly short term rental, what type of policy or endorsement do I need then?   Jason: So you get a short term rental policy, at that point…   Michael: A totally separate standalone policy, or is that an endorsement that I'm putting on top?   Jason: You could it all depends on the this is the space that's not fully developed, so you could try to go back to your homeowners policy and say, hey, do you offer that I'd say three fourths of them do not offer that type of policy, but then the fourth of the veal, like calm state farms, all states or whomever, a fourth of them may still offer that option to be able to short term your own units along with a duplex. So it gets you kind of get into that in that gray space in the bottom line is where's your primary residence…   Michael: Got it, okay. ´   Jason: …that's what kind of dictates what your true that one.   Michael: Okay, okay and if I do if the carrier that I'm currently with does not offer that type of policy change or endorsement, and I do need to go get a true short term rental policy? Is that policy going to cover me for when I'm living in the property as well?   Jason: Some of them can you get to and, again, I hate to keep seeing endorsement, but you get to add the endorsement back on there that you will use it personally.   Michael: So now I've gone back kind of the opposite direction.   Jason: Yeah, yeah.   Michael: It's okay. All right.   Jason: Yeah and I mean, an overview as well as when you're in a homeowner's policy. That's, that's a personal policy, you know, personal homeowner's policy and then as soon as you move over to the 100%, where you are short term in both units, that becomes a commercial policy. So basically business usage and that's why, okay, now you have a business policy, but now I want to go back in and use it personally, it gets a little bit, you got to, again, add the endorsement to be able to be protected for that. Another thing that you want to think about, which kind of overlaps is if you just get yourself a renters policy for yourself, that will cover you, when you go back to that property, if you have to have it set up an LLC, on a business policy that will cover you for personal use there.   Michael: Okay, so if I if okay, so the scenario is I've moved out of my primary, now I'm renting it full time and both units and I've got on a commercial policy and because I've moved out now, I want to put this property in the name of the LLC for business purposes and so I have the short term rental policy on that and for myself, I go get a renters policy and sometimes I come and stay in my short term rental and the bottom unit that renters policy is going to be effective for picking up some of the coverages there?   Jason: Correct, correct because on a business policy, it the liability only covers that premises or that building. But from a personal standpoint, you know, you're going all over the place, and you need to have some that those liabilities, you know, picked up on your on prem. So when you go rent somewhere else, they're gonna say, hey, I need some proof of coverage to stay in my unit, that renter's policy now gives you the ability to do that, versus before when you had a homeowner's policy and a homeowner's policy would extend liability all the way over to wherever you're staying. So for instance, when I go on spring break with my kids, and I go stay at the hotel, my home Moroz policy is extending liability All the way to that hotel room.   Michael: Got it, okay.   Jason: Yeah, yeah. So you lose that when you go to a commercial policy and so, yeah…   Michael: Okay. Well, for those people that are still with us, I hopefully we haven't bought it and went to tears. Jason, I'm curious if you could share with us what types of coverages we should be looking for an asking for on a short term rental policy, because, as you well know, there's all these different lineups and coverages and endorsements that you can add on your homeowners policy. So what do we need to be asking for on the short term side of things?   Jason: So on the short term side, there's only a few companies that have a very robust, you know, policy. And some of those, some of those coverages, for instance, would be, you know, if you had jet skis at your rental, and at the short term rental, so think of a lake like, a bigger home that will have, you know, bigger, you know, let's say can can house 14 people or something like that, well, they're probably gonna have some parties. So you can get all sorts of other business endorsements onto that, that location that you're not going to get with a traditional like State Farm or Allstate policy, that's going to give you what they call like liquor liability, you know, extension for for jet skis, or for the golf cart, or some of those other items. So if it's, if it's a much more robust, you know, short term rental, you know, it'd be like Orlando, or east or lake house, then you're gonna want to probably go with a little bit more of an expensive, broader short term rental policy. But if it's just in the city, and you don't, you don't have any of those other ancillary exposures, then you can go with this, most of these other smaller policies will, will take care of it. So Okay, hopefully, that that gives you some indication. But again, it goes back to usage and how, you know, what you're gonna be doing there, whether or not which endorsements will cover.   Michael: Okay, that makes sense and I guess really, the best way to go about it is to chat with some of the folks that are that do have robust policies in this space, and simply explain to them, hey, this is the type of property I have and this is the type of usage that I envision happening there and then hopefully, that agent or broker can go and put us in touch with the type of policy that we should be is appropriate for the space.   Jason: That's correct, yep.   Michael: And that's something that you could probably help out with, right?   Jason: I can, and then there's a couple options where you can go direct, but again, it's, I'd say, you still want to line up with the insurance broker insurance agency that specializes in that short term rental space, because they're going to be I'll tell you the difference, I'd say the normal home, a normal agent is not really going to know the difference between the two, it's, again, the whole space is still being developed. So most agents still don't know what they don't know, in the space.   Michael: Yep, makes sense. And who are some of those carriers, agencies, brokers that you think have really robust policies in place?   Jason: So the leader in the space is probably proper insurance and that's another option where you can go direct or some agents can also access their policy like we're contracted with them, their programs are always going to be it's going to have lots of bells and whistles, it's going to be a business policy is going to be probably the most robust out there and that's always going to be a little bit more expensive. But again, if you're going into a higher end, you know, short term rental property that's worth, you know, 500,000 or a million, I mean, some people go really, really nice with some of these. I mean, you definitely want to spend the extra money to get those, get that policy, and then probably in the competes, and everything is foremost, they're also the one that was one of the first in the space, and they can do it as well. And then there's a lot of third tier players that for some reason, you're up in the mountains, and you know, in California and your high fire, high fire area or zone, then you may have to go to some of those third tier carriers, and they may not just have all the bells and whistles, but still can provide the coverage you need. Okay, that's probably the one of the most difficult things right now is either if your coastal, I mean along the ocean, probably within five miles of the coast, or if your weapon mountains, not by a fire, fire department, those two spaces for short term rentals are difficult to insure right now and there's not much what we in the industry we call capacity, meaning nobody wants to write him. So and when that happens, I mean, it's just the price keeps going up. So if you're looking to actively look for properties, you know, here we are in March of 22, for the rest of 22. I'd say insurance premiums will be going up. So don't rely on what the previous person is stating their insurance cost was you're going to want to get that double check because the prices are going up.   Michael: That's really good to know and your opinion with a company like proper insurance where someone could go direct, I can just call a proper talk to an agent and get coverage. I mean, why would someone go with a broker, like yourself or someone else they might know they could just do it direct?   Jason: Yeah, I think it's the same way with going direct with any of the respirators like a, like a State Farm is, they're always gonna try to keep you in their box. So and they're very, they're still very limited to, you know, alternatives, unfortunately. So again, I do believe they do have the most robust policy out there, and I would recommend them. But they're not contracted with formal, so they're not going to as a second, as a second option, give them a quote, you know, the decline of coal to foremost, you know, versus a broker is going to give you those, you know, foremost proper, and also, maybe there's a third tier option, this is Hainaut, this property is, is not obviously not that nice, but doesn't have a lot of the exposures and maybe your investments not that great and you'll meet, you may want to try to at this lower end, you know, option meet every investor is different, every investor is getting different reserves, different controls in place and so a broker is going to be able to give you that wide range of options versus just calling and just getting the one thing done. In this, you know, this is the only option you could buy it or, or not.   Michael: So, yeah. Okay, and quick little side anecdote, Jason is actually, you know, you are my insurance broker for a significant chunk of my portfolio and that was one of the best things about having you in my corner, as I said, hey, here's the portfolio, I want to get it recorded and you went to all these different carriers and said, hey, these are the kind of two best, in my opinion, let's focus on these, as opposed to me having to call all of these ones directly, if you can even access them, because some of them you can't even access without a broker, right?   Jason: A …, correct. I mean, you got I mean, most, most programs are not going to go direct. For me, it's kind of somewhat of a new model where you can go to work and go direct to the, to the insurance carrier, I mean, we are moving that way. The only drawback is, is you just don't have that third party in there kind of guiding you saying this is what's good is what's what's bad. It's kind of kind of like going to the car dealership before a car dealership and saying, Well, is there anything better than a Ford and, of course, you know, and so you kind of get that same, that same experience that way. So that's why that's what a broker will do for you, just like an independent financial planner will do. If they're not selling their own products, I mean, you just get that non biased view. So I wouldn't recommend that, you know, for anybody, and then you can still go direct and still compare those. The one other thing I'd say, once you go to just the same examples, like a financial planner, or independent broker is we can then establish what your hot buttons are, what you really want covered, and what's important to you, and then go to the marketplace with those things in mind first, and kind of put in your rack and stack the policies and the quotes from that standpoint, versus you get all these random people, you asked for a quote and now it's apples, oranges and grapes, you're comparing you can't figure it out. I mean, I have so many people will call a time trying to figure things out, or they bought all these policies, and none of them, you know, all the risk is different in each policy and, you know, their best property has a lot of risk and their worst property has no risk. You know, it's all upside down. So that's another reason to go to a broker.   Michael: Yeah and is it more expensive going using a brokerage versus going direct?   Jason: No, it's the same cost. So, you know, if you go direct, you know, just for instance, proper, I'm assuming that they just pay their salespeople, you know, whatever the commission is, versus if you go with us, we just get that commission. So it's the same price either way, with farmers foremost, you know proper…   Michael: Awesome, awesome. Okay, geez, let's shift gears here just slightly and so if I'm an Airbnb host, I have insurance actually, through Airbnb, they have a million dollars in liability, they have their host damage Waiver insurance. Why do I need a short term rental policy, especially if it's more expensive?   Jason: Sure. So sometimes those hosts policies will have exclusions when you're not using the property. So for instance, you have you know, you start you, you place your Airbnb, tenant, you know, whatever you want to call them, you know, the person checks in on Saturday, they check out on the following Saturday, well, the Airbnb coverage covers you during that week. But then as soon as that stops, you don't have the coverage. So you do still want to have your own policy, all encompassing. So there are some gaps and coverages that way. It's the same way as getting into a car accident and say, well, the other guy's got insurance, and he's always going to be a fault. So why don't we just, you know, make sure he's got the coverage and always sue him off. The fact of the matter is, sometimes those claims get stalled out for years and if you want, if you want your property brought back up, sometimes you have to go through your own policy first, and then that your insurance company then sues the other insurance company, get the money back, in our business we call it subrogation, but they happens all the time. But that's why I would I wouldn't say that it's it's good to have there and it's good to mention because you will get you know priced, so you get the price break for having that policy in place. But it's not a it doesn't cover 100%   Michael: Okay, hat's great to know. Because I think so I know I'm totally guilty of it. When I first started out, did Airbnb my property, I was like, oh, there's this coverage here what do I need this extra coverage for and ended up chatting with my agent who ensures that property? You know, again, no, this is like, you need more robust than that. So that's really good to know.   Jason: Yeah, I think that's probably the problem in the space like I said, because it's been so it's still new in the intro. As far as the insurance world goes, I mean, the whole space really took off, like you and I were talking the other day and since 2016 2017, it just has blown up, it's like 10 times the size. So insurance for financial terms, like that's still a short period of time, you know, and people are still kind of figuring out insurance companies don't like to just jump in on a new risk without seeing a couple years of experience to see if they're going to pay in claim. So it's still developing and, you know, the important thing is just to keep asking, because I believe that every, every couple of months, new products are going to be coming out to new solutions, and more, more competitors are going to be coming into the space because so far, it seems to be a pretty, pretty profitable space you know, from the insurance carrier standpoint. So it should be here to stay.   Michael: Okay and kind of on that note, Jason, just as a ballpark, if you have an idea. If I'm paying, you know, X for a traditional long term rental policy, what increase should I expect to see if I convert that to a short term? Do you have a ballpark idea?   Jason: Yeah, so I think with some of the other lowering carriers, probably it probably be about the same.   Michael: Really?   Jason: Yeah, it's probably almost like a sweat. It's not to me too much more, right. Now, like what the proper because they're adding levels of the bells and whistles. For replacement costs. I mean, it's a it's a really nice policy that can that can go up to 50%, or maybe double, depending on how valuable the property is. The other problem is, is we don't know how the first person had it insured to begin with. So we don't know what the starting point is, I guess. But I would say maybe it could be anywhere from 25% to 200%. More, if you're really going, going all out.   Michael: Okay, that's good to know.   Jason: Yeah, yeah. But I would argue I mean, if you're, if you're going from an annual, you know, rental to short term rental, that's, if you're doing it right like that cost that additional costs should be way offset by the additional revenue that you're bringing in by the property. So it really shouldn't even be, you shouldn't be an issue, I should point to be honest with you.   Michael: I agree, I think you and I view insurance as an investment, a lot of investors probably incorrectly view it as an expense. So I think that's…   Jason: Right, right…Yep and just curbing the risk, you know, he's gonna get their risk off the table. So you don't have to write a check for 50 grand someday that you in that, right.   Michael: So right. Yeah but Jason, this was super helpful. Any final thoughts for folks on the short term rental side of things?   Jason: No, I would just say, you know, every time that every time you're making a change, and you're working your way up the ladder on the scaling up, just call your agent make a change and if for some reason, your personal home and auto agent just cannot help you anymore and they say, well, that's it, we can't do it, then it's time to find a commercial broker, and then start getting them to work on your account.   Michael: Okay, perfect and for folks that have more questions that want to reach out to you and possibly leverage your services as a broker, what's the best way for them to get in touch with you Jason?   Jason: Sure. You can reach out to my team at 494-270-6834 or jbott@robertsorion.com it's about what to buy with 3g Right on. You can put in the put in the show notes, right.   Michael: Perfect can do.   Jason: Yeah, buy a fourth for 14 members that all they do is work with my landlord. Clients constantly, constantly working through these issues. It's just a constant churn.   Michael: Awesome, awesome. Yeah, I can. I can attest to that personally, you got really good response rate. So I'm all on board. Well, Jason, this was great man. Thank you so much for taking the time and we'll chat with you soon, I'm sure.   Jason: Thank you, Michael.   Michael: Okay, well, that was our episode. A big thank you to Jason for coming on the show and helping to educate all of us short term, landlord investors. Definitely get out there and take a look at what policies you have if you have an existing short term rental and if you're thinking about one, now's the time to go do your due diligence on some of the companies that are out there and policy types that are available. As always if you enjoyed the episode, please feel free to leave us a rating or review wherever you're listening or watching and we look forward to seeing the next one. Happy investing…

Rotoworld Fantasy Basketball Podcast
End-Of-Season Waiver Adds + Pickup Of The Year Finalists

Rotoworld Fantasy Basketball Podcast

Play Episode Listen Later Apr 1, 2022 37:12


Matt Stroup (@MattStroup), Jonas Nader (@JonasNader), and Steve Alexander (@Docktora) discuss some waiver pickups to consider on the Pacers, Thunder, Blazers, and Kings (including Theo Maledon, Brandon Williams and Damian Jones). Also on this episode: We discuss the near- and long-term upside for Markelle Fultz with the Magic, and name the finalists for Waiver Wire Pickup of the Year. (2:21) Waiver wire pickups for the Pacers and Thunder(9:41)  Waiver wire pickups for the Blazers and Kings(17:21) Killian Hayes(19:49) Markelle Fultz (21:42) Moses Brown's impact on the Thunder(23:12) Waiver Wire Pickups of the Year Nominees    

That's Spooky
SGB #24 - Ouija Waiver

That's Spooky

Play Episode Listen Later Mar 18, 2022 50:45


Welcome to another episode of Spooky Gay Bullsh!t, our new weekly hangout where we break down all of the hot topics from the world of the weird, the scary, and issues that affect the LGBTQIA2+ community! This week, we cover: Haunted Real Estate for the community-minded, gay marriage gets legalized in Chile, justice for Barbara Maier Gustern, CCTV ghost scares some puppas, and a Florida teacher who can't keep her teeth to herself. See you next Friday for more Spooky Gay Bullsh!t! Join the Secret Society That Doesn't Suck for exclusive weekly mini episodes, livestreams, and a whole lot more! patreon.com/thatsspooky Get into our new apparel store and the rest of our merch! thatsspooky.com/store Check out our website for show notes, photos, and more at thatsspooky.com Follow us on Instagram for photos from today's episode and all the memes @thatsspookypod We're on Twitter! Follow us at @thatsspookypod Don't forget to send your spooky gay B.S. to thatsspookypod@gmail.com