Podcasts about Hurricane Irma

This week's Addicted to Fitness contains an update from the hosts as they prepare for a hurricane and an old school episode. Nick and Shannon share their upcoming plans to avoid Hurricane Milton and replay an episode from 2017 featuring taste tests & product reviews that they recorded after Hurricane Irma. Follow the podcast profile on Instagram @TheATFPodcast. Give it a listen and let us know what you think by leaving a rating & review in Apple Podcasts. Like & Follow the Addicted to Fitness Podcast Facebook page (Facebook.com/addictedtofitnesspodcast). Follow Nick & Elemental Training Tampa on Facebook (www.facebook.com/ElementalTampa) and Instagram (www.instagram.com/ettampa/) to participate in free live workouts. Follow the podcast profile on Instagram @TheATFPodcast and send Nick a DM if you're interested in receiving a customized workout plan delivered to you through the Golf Training Systems App or contact Shannon if you're interested in learning more about a Chopra Health Program.

1. A court-hearing today for the man charged with attempting to assassinate Donald Trump on September 15th, Ryan Wesley Routh. 2. The last scheduled debate before Election Day will take place Tuesday night. 3. Hurricane Helene has become the most impactful storm to hit the United States since Hurricane Irma in 2017.

Hannah Upp is a bright, beautiful soul missing from St. Thomas. She went missing in September of 2017 in the days between Hurricane Irma and Hurricane Maria. Due to the chaos surrounding the island in those days, she could be anywhere. Furthermore, due to a neurological condition, she may be unaware that she is Hannah. Hannah is 5'7" with light brown hair and eyes and as of the release of this episode she would be 40 years old. Her family remains hopeful she will be found. Find Hannah Upp Facebook Page: https://www.facebook.com/FindHannahUppUSVI/

Part 2 - Neville James receives the National Weather Service's weekend forecast. On this seventh anniversary of Hurricane Irma's passage through the territory, AARP VI's Jacqueline Heyliger joins Neville in the studio to talk about disaster preparedness.

My Guest today is from Vancouver, Canada and her first season was in Club Med Sandpiper in 2016 as a Baby/Petit Club G.O. She also worked in Club Med Ixtapa in 2017 and met her husband during her first season. You may recall that only a few weeks ago, her husband, Dylan Kett, was on the podcast, and now we will get her version of that encounter and who fell for whom first!! Please help me give a warm welcome to Dakota Stockley-Kett! Before Club Med, Dakota studied Early Childhood Development at Capilano University. A neighbor of Dakota's worked for Club Med in 2005 and told her about her experience. Dakota applied twice and had a Skype interview with Club Med and was then sent to Sandpiper. We talked about what it was like meeting her future husband, their wedding at Sandpiper, Hurricane Irma in August 2017, and many other things. Please enjoy this interview with Dakota! **My First Season podcast has always been ad-free and free to listen to and is available to download on: Apple Podcasts, Google Podcasts, Samsung Podcasts, Podbean App, Podchaser, Spotify, Amazon Music/Audible, TuneIn + Alexa, iHeartRadio, PlayerFM, Pandora and Listen Notes. And if you like what you hear, please leave a review on Apple podcasts.   

This week we are talking to Brian Vest who runs The Conch Republic Marine Army. Brian started this charity after Hurricane Irma to help clean up the Florida Keys water ways. Please check out his website https://www.conchrepublicmarinearmy.org/ and donate if you can. Any amount helps! Check out their Facebook https://www.facebook.com/conchrepublicmarinearmy to see the work they do here. Also make sure you like and follow the page!! You can volunteer through us or either of these links. Locals and visitors are very welcome! Please take the time to listen to this one! --- Support this podcast: https://podcasters.spotify.com/pod/show/localsideofkeywest/support

It was a scene straight out of an action movie: specifically The Bourne Identity. On September 16, 2008, the captain of a Staten Island Ferry saw a woman floating face down in the Hudson River, near the Statue of Liberty. Horrified and thinking they found a dead body, two deckhands jumped in a rescue boat and went to her. When they reached the woman, one picked her up by her ankles, while another picked her up by her shoulders. To everyone's shock, the woman took a gasp of air and started crying. This is how Hannah Upp was found after she went missing– the first time.Over the next decade, Hannah Upp, a young, well-liked teacher, would go missing two more times. After her first two rescues, she had no idea where she had been or how she had spent her time. On September 14, 2017, Hannah was living in St. Thomas, on the U.S. Virgin Islands. She had survived Hurricane Irma, and three days before Hurricane Maria was poised to hit, Hannah Upp disappeared for a third time. Did she perish in the water, as many people believe, or is she still out there somewhere, with no idea who she is?Anyone with information regarding Hannah Upp's disappearance is urged to contact the Virgin Islands Police Department at 340-772-5605.Buy the ebook! - And Then They Were Gone: True Stories of Those Who Went Missing and Never Came HomeSubmit a caseFind us everywhereGet episodes early and ad-free on PatreonMerch storeFor a full list of our sources, please visit our blogBecome a supporter of this podcast: https://www.spreaker.com/podcast/and-then-they-were-gone--5360779/support.

Welcome to the latest episode of the 500 Doors Real Estate Podcast! Join host Kim Hayden as she interviews Suzanne Vasbinder, a seasoned real estate professional known for her exceptional customer service and relationship-building skills.In this episode, Suzanne shares her innovative approach to real estate, including a unique cash offer platform and her dedicated team of 10 at her brokerage. Learn about the importance of human connection, working with knowledgeable agents, and rebuilding efforts in Cape Coral post-Hurricane Irma. Discover the strong community spirit from Port Charlotte to Marco Island, FL, and the value of new agents finding a supportive brokerage.Suzanne's brokerage is deeply involved in community programs, charity donations, and local park cleanups, serving as a vital resource for the community. For more information, visit their website.Connect with Suzanne:http://www.instagram.com/suzannevasbinder/https://facebook.com/yourhomesoldguaranteedrealtyvasbinderinternationalhttps://facebook.com/suzanne.vasbinder/Make sure to join our Facebook Group https://www.facebook.com/groups/827376088258570

Every American who has a mortgage is required by their bank to have homeowners insurance, but getting it and keeping it is becoming a challenge. In this episode, hear the highlights of a Senate hearing examining the problems in the homeowners insurance market and why they might lead to much bigger problems next time disaster strikes. Please Support Congressional Dish – Quick Links Contribute monthly or a lump sum via Support Congressional Dish via (donations per episode) Send Zelle payments to: Donation@congressionaldish.com Send Venmo payments to: @Jennifer-Briney Send Cash App payments to: $CongressionalDish or Donation@congressionaldish.com Use your bank's online bill pay function to mail contributions to: Please make checks payable to Congressional Dish Thank you for supporting truly independent media! Background Sources Effects of Climate on Insurance Christopher Flavelle and Mira Rojanasakul. May 13, 2024. The New York Times. Chris Van Hollen et al. September 7, 2023. Chris Van Hollen, U.S. Senator for Maryland. Alice C. Hill. August 17, 2023. Council on Foreign Relations. Insurance Information Institute. Antonio Grimaldi et al. November 19, 2020. McKinsey & Company. Lobbying OpenSecrets. OpenSecrets. OpenSecrets. Heritage Foundation SourceWatch. Demotech William Rabb. April 15, 2024. Insurance Journal. Parinitha Sastry et al. December 2023. Fannie Mae Adam Hayes. May 17, 2023. Investopedia. Hurricanes National Oceanic and Atmospheric Administration. National Oceanic and Atmospheric Administration. Audio Sources Senate Committee on the Budget June 5, 2024 Witnesses: Glen Mulready, Insurance Commissioner, State of Oklahoma Rade Musulin, Principal, Finity Consulting Dr. Ishita Sen, Assistant Professor of Finance, Harvard Business School Deborah Wood, Florida Resident , Research Fellow, Heritage Foundation's Grover Hermann Center for the Federal Budget Clips 23:05 Sen. Sheldon Whitehouse (D-RI): In 2022 and 2023, more than a dozen insurance companies left the Florida residential market, including national insurers like Farmers. Residents fled to Citizens Property Insurance, the state backed insurer of last resort, which ballooned from a 4% market share in 2019 to as much as 17% last year. If it has to pay out claims that exceed its reserves, citizens can levy a surcharge on Florida insurance policy holders across the state. Good luck with that. Particularly if the surcharge grows to hundreds or even thousands of dollars to depopulate its books. Citizens has let private insurers cherry pick out its least risk policies. Those private insurers may have problems of their own, as we will hear today. 25:10 Sen. Sheldon Whitehouse (D-RI): The federal budget takes a hit because these insurers and their policies are accepted by Freddie Mac and Fannie Mae, who either own or guarantee a large part of our $12 trillion mortgage market. This all sounds eerily reminiscent of the run-up to the mortgage meltdown of 2008, including a role of potentially captive or not fully responsible rating agencies. 25:45 Sen. Sheldon Whitehouse (D-RI): Florida is far from alone. A New York Times investigation found that the insurance industry lost money on homeowners coverage in 18 states last year, and the states may surprise you. The list includes Illinois, Michigan, Utah, Washington, and Iowa. Insurers in Iowa lost money each of the last four years. This is a signal that hurricanes and earthquakes, once the most prevalent perils, are being rivaled by hail, windstorms, and wildfires. 28:00 Sen. Sheldon Whitehouse (D-RI): This isn't all that complicated. Climate risk makes things uninsurable. No insurance makes things unmortgageable. No mortgages crashes the property markets. Crashed property markets trash the economy. It all begins with climate risk, and a major party pretending that climate risk isn't real imperils our federal budget and millions of Americans all across the country. 33:45 Sen. Chuck Grassley (R-IA): Insurance premiums are far too high across the board and may increase after the recent storms, including those very storms in my state of Iowa. Climate change isn't the primary driver of insurance rate hikes and collapse of the insurance industry isn't imminent. Although I'll have to say, Iowa had six property and casualty companies pull out of insuring Iowans. Climate change doesn't explain why auto insurance premiums in 2024 have increased by a whopping 20% year over year. It also doesn't account for the consistent failure of liberal cities to fight crime, which has raised insurance risk and even caused insurers to deny coverage. Expensive liberal policies, not climate change, are much to blame for these market dynamics. 39:00 Sen. Sheldon Whitehouse (D-RI): The first witness is Rade Musulin. Rade is an actuary with 45 years of experience in insurance, specializing in property pricing, natural perils, reinsurance, agriculture, catastrophe, risk modeling, public policy development, and climate risk. Specifically, he spent many years working in Florida, including as chair of the Florida Hurricane Catastrophe Fund Advisory Council during the time in which Citizens Property Insurance Corporation was established. 39:35 Sen. Sheldon Whitehouse (D-RI): Our second witness is Dr. Ishida Sen. Dr. Sen is an Assistant Professor at Harvard Business School. Her recent research examines the pricing of property insurance and the interactions between insurance and mortgage markets. This includes the role that institutions and the regulatory landscape play and the broader consequences for real estate markets, climate adaptation, and our overall financial stability. 40:00 Sen. Sheldon Whitehouse (D-RI): Our third witness is Deb Wood. Ms. Wood and her husband Dan McGrath are both retired Floridians. They moved to South Florida in 1979 and lived in Broward County, which includes Fort Lauderdale for 43 years until skyrocketing insurance premiums became too much. They now reside in Tallahassee, Florida. 40:35 Sen. Chuck Grassley (R-IA): Dr. EJ Antoni is a Research Fellow at the Heritage Foundation Grover M. Hermann Center for the Federal Budget. His research focuses on fiscal and monetary policy, and he previously was an economist at the Texas Public Policy Foundation. Antoni earned his Master's degree and Doctor's degree in Economics from Northern Illinois University. 41:10 Sen. Chuck Grassley (R-IA): Commissioner Glen Mulready has served as Oklahoma's 13th Insurance Commissioner and was first elected to this position in 2019. Commissioner Mulready started his insurance career as a broker in 1984, and also served in the Oklahoma State House of Representatives. 42:15 Rade Musulin: Okay. My name is Ray Muslin. I'm an actuary who has extensive experience in natural hazard risks and funding arrangements for the damage and loss they cause. I've worked with many public sector entities on policy responses to the challenges of affordability, availability of insurance, and community resilience. This work included participating in Florida's response to Hurricane Andrew, which included the creation of the Florida Hurricane Catastrophe Fund and Citizens Property Insurance Corporation. The Cat Fund and Citizens can access different forms of funding than traditional insurance companies. Instead of holding sufficient capital or reinsurance before an event to cover the cost of potential losses, both entities use public sources of capital to reduce upfront costs by partially funding losses post-event through bonding and assessments. All property casualty insurance policy holders, whether in Citizens or not, are subject to its assessments. While the Cat Fund can also assess almost all policies, including automobile, this approach exposes Floridians to debt and repayment if large losses occur, and it subsidizes high risk policies from the entire population. These pools, others like them in other states, and the NFIP have contributed to rapid development in high risk areas driving higher costs in the long run. In Florida, national insurers have reduced their exposure as a significant proportion of the insurance market has moved to Citizens or smaller insurers with limited capital that are heavily dependent on external reinsurance. To date, Florida's system has been successful in meeting its claims obligations, while improvements in building codes have reduced loss exposure. However, for a variety of reasons, including exposure to hurricanes, claims cost inflation, and litigation, Florida's insurance premiums are the highest in the nation, causing significant affordability stress for consumers. According to market research from Bankrate, the average premium for a $300,000 home in Florida is three times the national average, with some areas five times the national average. A major hurricane hitting a densely populated area like Miami could trigger large and long lasting post-event assessments or even exceed the system's funding capacity. Continued rapid exposure growth and more extreme hurricane losses amplified by climate change will cause increasing stress on the nation's insurance system, which may be felt through solvency issues, non-renewals, growth of government pools, and affordability pressure. 44:55 Rade Musulin: Evidence of increasing risk abounds, including Hurricane Otis in 2023, which rapidly intensified from a tropical storm to a cat. five hurricane and devastated Acapulco in Mexico last summer. Water temperatures off Florida exceeded a hundred degrees Fahrenheit last week. As was alluded to earlier, NOAA forecast an extremely active hurricane season for '24. We've seen losses in the Mid-Atlantic from Sandy, record flooding from Harvey, and extreme devastation from Maria, among others. In coming decades, we must prepare for the possibility of more extreme hurricanes and coastal flooding from Texas to New England. 46:50 Dr. Ishita Sen: Good morning Senators. I am Ishita Sen, Assistant Professor at Harvard Business School and my research studies insurance markets. In recent work with co-authors at Columbia University and the Federal Reserve Board, I examine how climate risk creates fiscal and potentially financial instability because of miscalibrated insurer screening standards and repercussions to mortgage markets. 47:15 Dr. Ishita Sen: Insurance is critical to the housing market. Property insurers help households rebuild after disasters by preserving collateral values and reducing the likelihood that a borrower defaults. Insurance directly reduces the risks for mortgage lenders and the Government-Sponsored Enterprises (GSEs) such as Fannie Mae and Freddie Mac Mortgage Lenders therefore require property insurance and the GSEs only purchase mortgages backed by insurers who meet minimum financial strength ratings, which measure insurer solvency and ability to pay claims. The GSEs accept three main rating agencies AM Best, S & P and, more recently, Demotech. And to provide an example, Fannie Mae requires insurers to have at least a B rating from AM Best, or at least an A rating from Demo Tech to accept a mortgage. Now, despite having this policy in place, we find a dramatic rise in mortgages backed by fragile insurers and show that the GSEs and therefore the taxpayers ultimately shoulder a large part of the financial burden. Our research focuses on Florida because of availability of granular insurance market data, and we show that traditional insurers are exiting and the gap is rapidly being filled by insurers, rated by Demotech, which has about 60% market share in Florida today. These insurers are low quality across a range of different financial and operational metrics, and are at a very high risk of becoming insolvent. But despite their risk, these insurers secure high enough ratings to meet the minimum rating requirements set by the GSEs. Our analysis shows that many actually would not be eligible under the methodologies of other rating agencies, implying that in many cases these ratings are inflated and that the GSEs insurer requirements are miscalibrated. 49:20 Dr. Ishita Sen: We next look at how fragile insurers create mortgage market risks. So in the aftermath of Hurricane Irma, homeowners with a policy from one of the insolvent Demotech insurers were significantly more likely to default on their mortgage relative to similar borrowers with policies from stable insurers. This is because insurers that are in financial trouble typically are slower to pay claims or may not pay the full amounts. But this implies severe economic hardships for many, many Floridians despite having expensive insurance coverage in place. However, the pain doesn't just stop there. The financial costs of fragile insurers go well beyond the borders of Florida because lenders often sell mortgages, for example, to the GSEs, and therefore, the risks created by fragile insurers spread from one state to the rest of the financial system through the actions of lenders and rating agencies. In fact, we show two reasons why the GSEs bear a large share of insurance fragility risk. First is that lenders strategically securitize mortgages, offloading loans backed by Demotech insurers to the GSEs in order to limit their counterparty risk exposures. And second, that lenders do not consider insurer risk during mortgage origination for loans that they can sell to the GSEs, even though they do so for loans that they end up retaining, indicating lax insurer screening standards for loans that can be offloaded to the GSEs. 50:55 Dr. Ishita Sen: Before I end, I want to leave you with two numbers. Over 90%. That's our estimate of Demotech's market share among loans that are sold to the GSEs. And 25 times more. That's Demotech's insolvency rate relative to AM Best, among the GSE eligible insurers. 57:15 Glen Mulready: As natural disasters continue to rise, understanding the dynamics of insurance pricing is crucial for both homeowners and policymakers. Homeowners insurance is a fundamental safeguard for what is for many Americans their single largest asset. This important coverage protects against financial loss due to damage or destruction of a home and its contents. However, recent years have seen a notable increase in insurance premiums. One significant driver of this rise is convective storms and other severe weather events. Convective storms, which include phenomena like thunderstorms, tornadoes, and hail, have caused substantial damage in various regions. The cost to repair homes and replace belongings after such events has skyrocketed leading insurance companies to adjust their premiums to cover that increased risk. Beyond convective storms, we've witnessed hurricanes, wildfires, and flooding. These events have not only caused damage, but have also increased the long-term risk profile of many areas. Insurance companies are tasked with managing that risk and have responded by raising premiums to ensure they can cover those potential claims. 58:30 Glen Mulready: Another major factor influencing homeowner's insurance premiums is inflation. Inflation affects the cost of building materials, labor, and other expenses related to home repair and reconstruction. As the cost of living increases, so does the cost of claims for insurers. When the price of lumber, steel, and other essential materials goes up, the expense of repairing or rebuilding homes also rises. Insurance companies must reflect these higher costs in their premiums to maintain financial stability and ensure they can meet those contractual obligations to policyholders. 59:35 Glen Mulready: I believe the most essential aspect of managing insurance premiums is fostering a robust, competitive free market. Competition among insurance companies encourages innovation and efficiency, leading to better pricing and services for consumers. When insurers can properly underwrite and price for risk, they create a more balanced and fair market. This involves using advanced data analytics and modeling techniques to accurately assess the risk levels of different properties. By doing so, insurance companies can offer premiums that reflect the true risk, avoiding excessive charges for low risk homeowners, and ensuring high risk properties are adequately covered. Regulation also plays a crucial role in maintaining a healthy insurance market. Policyholders must strike a balance between consumer protection and allowing insurers the freedom and flexibility to adjust their pricing based on the risk. Overly stringent regulations can stifle competition and lead to market exits, reducing choices for consumers. We've seen this play out most recently in another state where there were artificial caps put in place on premium increases that worked well for consumers in the short term, but then one by one, all of the major insurers began announcing they would cease to write any new homeowners insurance in that state. These are all private companies, and if there's not the freedom and flexibility to price their products properly, they may have to take drastic steps as we've seen. Conversely, a well-regulated market encourages transparency and fairness, ensuring that homeowners have access to the most affordable and adequate coverage options. 1:02:00 Dr. EJ Antoni: I'm a public finance economist and the Richard F. Aster fellow at the Heritage Foundation, where I research fiscal and monetary policy with a particular focus on the Federal Reserve. I am also a senior fellow at the Committee to Unleash Prosperity. 1:02:15 Dr. EJ Antoni: Since January 2021, prices have risen a cumulative 19.3% on average in the American economy. Construction prices for single family homes have risen much faster, up 30.5% during the same time. 1:03:20 Dr. EJ Antoni: Actuarial tables used in underwriting to estimate risk and future losses, as well as calculate premiums, rely heavily on those input costs. When prices increase radically, precisely as has happened over the last several years, old actuarial tables are of significantly less use when pricing premiums because they will grossly understate the future cost to the insurer. The sharp increase in total claim costs since 2019 has resulted in billions of dollars of losses for both insurers and reinsurers prompting large premium increases to stop those losses. This has put significant financial stress on consumers who are already struggling with a cost of living crisis and are now faced with much higher insurance premiums, especially for homeowners insurance. 1:05:10 Dr. EJ Antoni: The increase in claims related to weather events has undoubtedly increased, but it is not due to the climate changing. This is why the insurance and reinsurance markets do not rely heavily on climate modeling when pricing premiums. Furthermore, climate models are inherently subjective, not merely in how the models are constructed, but also by way of the inputs that the modeler uses. In other words, because insufficient data exists to create a predictive model, a human being must make wide ranging assumptions and add those to the model in place of real world data. Thus, those models have no predictive value for insurers. 1:07:40 Sen. Sheldon Whitehoue (D-RI): You say that this combination of demographics, development, and disasters poses a significant risk to our financial system. What do you mean by risk to our financial system Rade Musulin: Well, Senator, if you look at the combination, as has been pointed out, of high growth and wealth accumulation in coastal areas, and you look at just what we've observed in the climate, much less what's predicted in the future, there is significant exposure along the coastline from Maine to Texas. In fact, my family's from New Jersey and there is enormous development on the coast of New Jersey. And if we start to get major hurricanes coming through those areas, the building codes are probably not up to the same standards they are in Florida. And we could be seeing some significant losses, as I believe was pointed out in the recent Federal Reserve study. Sen. Sheldon Whitehoue (D-RI): And how does that create risk to the financial system? Rade Musulin: Well, because it's sort of a set of dominoes, you start with potentially claims issues with the insurers being stressed and not able to pay claims. You have post-event rate increases as we've seen in Florida, you could have situations where people cannot secure insurance because they can't afford it, then that affects their mortgage security and so on and so forth. So there are a number of ways that this could affect the financial system, sir. Sen. Sheldon Whitehoue (D-RI): Cascading beyond the immediate insurer and becoming a national problem. Rade Musulin: Well, I would just note Senator, that in Florida, the real problems started years after we got past Andrew. We got past paying the claims on Andrew, and then the big problems occurred later when we tried to renew the policies. 1:10:50 Sen. Sheldon Whitehouse (D-RI): And you see in this, and I'm quoting you here, parallels in the 2008 financial crisis. What parallels do you see? Dr. Ishita Sen: So just like what happened during the financial crisis, there were rating agencies that gave out high ratings to pools of mortgages backed by subprime loans. Here we have a situation where rating agencies like Demotech are giving out inflated ratings to insurance companies. The end result is sort of the same. There is just too much risk and too many risky mortgages being originated, in this case backed by really low quality insurers that are then entering the financial system. And the consequences of that has to be born by, of course the homeowners, but also the mortgage owners, GSCs (Government Sponsored Enterprises), the lenders, and ultimately the federal and state governments. Sen. Sheldon Whitehouse (D-RI): You say, this will be my last question. The fragility of property insurers is an important channel through which climate risk might threaten the stability of mortgage markets and possibly the financial system. What do you mean when you refer to a risk to the financial system? Dr. Ishita Sen: Well, as I was explaining the GSEs, if there are large losses that the GSEs face, then those losses have to be plugged by somebody. So the taxpayers, that's one channel through which you've got risk to the financial system and the GSE's serve as a backstop in the mortgage market. They may not have the ability or capacity to do so in such a scenario, which affects mortgage backed security prices, which are held by all sorts of financial institutions. So that starts affecting all of these institutions. On the other hand, if you've got a bunch of insurers failing, another channel is these insurers are one of the largest investors in many asset classes like corporate bonds, equities, and so on. And they may have to dump these securities at inopportune times, and that affects the prices of these securities as well. 1:12:45 Sen. Chuck Grassley (R-AI): Dr. Antoni, is there any evidence to support the notion that climate change is the greatest threat to the insurance market? Dr. EJ Antoni: No. Senator, there is not. And part of that has to do again, with the fact that when we look at the models that are used to predict climate change, we simply don't have enough empirical data with which we can input into those models. And so as a result of that, we have to have human assumptions on what we think is going to happen based essentially on a guess. And as a result of that, these models really are not of any predictive value, and that's why these models for the last 50 years have been predicting catastrophic outcomes, none of which have come true. 1:14:45 Glen Mulready: This focus on the rating agencies, I would agree with that if that were the be all end all. But the state insurance commissioners in each 50 states is tasked with the financial solvency of the insurance companies. We do not depend on rating agencies for that. We are doing financial exams on them. We are doing financial analysis every quarter on each one of them. So I would agree if that was the sort of be all end all, forgive that phrase, but it's not at all. And we don't depend very much at all on those rating agencies from our standpoint. 1:22:15 Dr. Ishita Sen: On the point about regulators looking at -- rating agencies is not something that we need to look at. I would just point out that in Florida, if you look at the number of exams that the Demotech rated insurers, that by the way have a 20% insolvency rate relative to 0% for traditional insurers, they get examined at the same rate as the traditional insurers like Farmers and AllState get examined, which is not something that you would expect if you're more risky. You would expect regulators to come look at them much, much more frequently. And the risk-based capital requirements that we have currently, which were designed in the 1980s, they're just not sensitive enough to new risks like wildfire and hurricanes and so on. And also not as well designed for under-diversified insurance companies because if so, all of these insurers were meeting the risk-based capital requirements, however, at the same time going insolvent at the rate of 20%. So those two things don't really go hand in hand. 1:23:25 Dr. Ishita Sen: Ultimately what the solution is is something that is obviously the main question that we are here to answer, but I would say that it is extremely hard to really figure out what the solution is, in part because we are not in a position right now to even answer some basic facts about how big the problem is, what exactly the numbers look like. For instance, we do not know basic facts about how much coverage people have in different places, how much they're paying. And when I say we don't know, we don't know this at a granular enough level because the data does not exist. And the first step towards designing any policy would be for us to know exactly how bad the problem is. And then we come up with a solution for that and start to evaluate these different policy responses. Right now we are trying to make policy blindfolded. 1:23:50 Sen. Ron Johnson (R-WI): So we've had testimony before this committee that we've already spent $5-6 trillion. That's 5,000 to 6,000 billion dollars trying to mitigate climate change. We haven't made a dent in it. Their estimates, it's going to cost tens of trillions of dollars every year to reach net zero. So again, this is not the solution for a real problem, which is the broken insurance market. I have enough Wisconsin residents who live on the Gulf Coast in Florida to know after Hurricane Ian, you got some real problems in Florida. But fixing climate change isn't the solution. 1:33:15 Sen. Jeff Merkley (D-OR): In looking at the materials I saw that Citizens Property Insurance Company, I gather that's Louisiana and Florida, that have a completely state backed program. Well, alright, so if the state becomes the insurer of last resort and they now suffer the same losses that a regular private insurance company is suffering, now the folks in the state are carrying massive debt. So that doesn't seem like a great solution. Dr. Ishita Sen: That's definitely a problem, right? The problem is of course, that whether the state then has the fiscal capacity to actually withstand a big loss, like a big hurricane season, which is a concern that was raised about Citizens. And in such a scenario then in a world where they do not have enough tax revenue, then they would have to go into financial markets, try to borrow money, which could be very costly and so on. So fiscally it's going to be very challenging for many cities and many municipalities and counties and so on. 1:36:40 Sen. Mitt Romney (R-UT): I wish there were something we could do that would reduce the climate change we're seeing and the warming of the planet. But I've seen absolutely nothing proposed by anyone that reduces CO2 emissions, methane gases and the heating of the planet. Climate change is going to happen because of the development in China and Indonesia and Brazil, and the only thing that actually makes any measurable impact at all is putting a price on carbon, and no one seems to be willing to consider doing that. Everything else that's being talked about on the climate — Democratic Senator: I got two bills. Sen. Mitt Romney (R-UT): I know you and I are, but you guys had reconciliation. You could have done it all by yourselves and you didn't. So the idea that somehow we're going to fix climate and solve the insurance problem is pie in the sky. That's avoiding the reality that we can't fix climate because that's a global issue, not an American issue. Anyway, let me turn back to insurance. 1:38:30 Sen. Mitt Romney (R-UT): So the question is, what actions can we take? Fiscal reform? Yes, to try and deal with inflation. Except I want to note something, Mr. Antoni, because you're esteemed at the Heritage Foundation. 72% of federal spending is not part of the budget we vote on. So we talk about Biden wants to spend all this.... 72% we don't vote on; we only vote on 28%. Half of that is the military. We Republicans want more military spending, not less. So that means the other 14%, which the Democrats want to expand, there's no way we can reduce the 14% enough to have any impact on the massive deficits we're seeing. So there's going to have to be a broader analysis of what we have to do to reign in our fiscal challenges. I just want to underscore that. I would say a second thing we can do, besides fiscal reform and dealing with inflation, is stopping subsidizing high risk areas. Basically subsidizing people to build expensive places along the coast and in places that are at risk of wildfire. And we subsidize that and that creates huge financial risk to the system. And finally, mitigation of one kind or another. That's the other thing we can do is all sorts of mitigation: forestry management, having people move in places that are not high risk. But if you want to live in a big house on the coast, you're gonna have to spend a lot of money to insure it or take huge risk. That's just the reality. So those are the three I come up with. Stop the subsidy, mitigation, and fiscal reform. What else am I missing, Mr. Musulin? And I'm just going to go down the line for those that are sort of in this area to give me your perspectives. Rade Musulin: Well, thank you, Senator. And I'd agree with all those things. And I'd also add that we need to start thinking about future-proofing our building codes and land use policies. The sea levels are rising. If you're going to build a house that's supposed to last 75 years, you ought to be thinking about the climate in 75 years when you give somebody a permit to build there. So I'd say that's important. I'd also say that large disasters also drive inflation because it puts more pressure and demand on labor and materials. More disasters means supplies that could have been used to build new homes for Americans or diverted to rebuild homes in the past. So certainly doing things to reduce the vulnerability of properties and improve their resilience is important. And I do think, sir, that there are things we can do about climate change with respect over periods of decades that can make a difference in the long run. Thank you. Sen. Mitt Romney (R-UT): Thank you. Yes. Dr. Ishita Sen: So before that, the one point about inflation that we are missing, which is without doubt it is a contributing factor, but the US has had inflation in the past without such an acute crisis in insurance markets. So whether that is the biggest cause or not is up for debate. I don't think we have reached a conclusion on inflation being the biggest contributor of rising insurance cost. Sen. Mitt Romney (R-UT): It's just a big one. You'd agree It's a big one? Dr. Ishita Sen: I agree. It's a big one, but I wouldn't say it's the biggest one in terms of policy solutions. I completely agree with you on, we need to stop subsidizing building in high risk areas. That's definitely one of the things we need to do that. Mitigation, another point that you bring up. And on that, I would say not only do we need to harden our homes, but we also need to harden our financial institutions, our banks, and our insurance companies in order to make them withstand really large climate shocks that are for sure coming their way. Sen. Mitt Romney (R-UT): Thank You, Ms. Wood. I'm going to let you pass on this just because that's not your area of expertise. Your experience was something which focused our thinking today. Mr. Mulready. Glen Mulready: Thank you, Senator. I would say amen to your comments, but I'll give you three quick things. Number one, FEMA has a survey out that states that every $1 spent in mitigation saves $6 in lost claims. It pays off. Number two, unfortunately, a lot of communities have to have a disaster happen. In Moore, Oklahoma, back a dozen years ago, an EF5 (tornado) hit, it was just totally devastating. After that, the city of Moore changed their zoning, they changed their building zoning codes, and then third, the city of Tulsa, back in the eighties, had horrible flooding happened. So they invested over decades in infrastructure to prevent flooding. Now we're one of only two communities in the country that are Class one NFIP rated. 1:45:40 Sen. Chris Van Hollen (D-MD): One way to address this, and I think it was discussed in a different matter, is the need to get the data and to get consensus on where the risks lie, which is why last year Senator Whitehouse, Senator Warren and I sent a letter to the Treasury Department, to the Federal Insurance Office (FIO), urging them to collect information from different states. I'm a supporter of a state-based insurance system for property and casualty insurance, but I do think it would benefit all of us to have a sort of national yardstick against which we can measure what's happening. So Dr. Sen, could you talk a little bit about the benefit of having a common source of insurance data through the FIO and how that could benefit state regulators and benefit all of us? Dr. Ishita Sen: Yeah, absolutely. Thanks for bringing that up. That's just the first order importance, I think, because we don't even know the basic facts about this problem at a granular enough level. The risks here are local, and so we need to know what's going zip code-by-zip code, census tract-by-census tract, and for regulators to be able to figure out exactly how much risk is sitting with each of these insurance companies they need to know how much policies they're writing, what's the type of coverage they're selling in, what are the cancellations looking like in different zip codes. Only then can they figure out exactly how exposed these different insurers are, and then they can start designing policy about whether the risk-based capital ratios look alright or not, or should we put a surcharge on wildfires or hurricanes and so on? And we do need a comprehensive picture. We just can't have a particular state regulator look at the risks in that state, because of course, the insurer is selling insurance all over the country and we need to get a comprehensive picture of all of that. 1:47:40 Sen. Chris Van Hollen: I appreciate that. I gather that the Treasury Department is getting some resistance from some state insurance regulators. I hope we can overcome that because I'm not sure why anyone would want to deny the American people the benefit of the facts here. 1:48:45 Rade Musulin: I will just note that sometimes climate change itself can contribute to the inflation we've been talking about. For example, there were beetle infestations and droughts and fires in Canada, which decimated some of the lumber crop and led to a fivefold increase in the cost of lumber a few years ago. So some of this claims inflation is actually related to climate change, and I think we need to address that. 1:49:35 Glen Mulready: If you didn't know, the NAIC, National Association of Insurance Commission is in the midst of a data collection right now that will collect that data for at least 80% of the homeowner's market. And we have an agreement with FIO (Federal Insurance Office) to be sharing that data with them. They originally came to us, I got a letter from FIO and they were requesting data that we did not actually collect at the zip code level, and they had a very stringent timeline for that. So my response, it wasn't, no, it was just, look, we can't meet that timeline. We don't collect that today. We can in the future. But from that is where this has grown the data called by the NEIC. Sen. Chris Van Hollen (D-MD): So I appreciate, I saw that there had been now this effort on behalf of the....So has this now been worked out? Are there any states that are objecting, to your knowledge at this point in time, in terms of sharing data? Glen Mulready: I don't know about specific states. We will be collecting data that will represent at least 80% of the market share. Music by Editing Production Assistance

World 400 Hurdles silver medallist, Kyron McMaster, describes in detail losing his coach in 2017. Xavier Samuels was killed when Hurricane Irma hit The British Virgin Islands and McMaster believes that, together, they would have broken the world record.The twice and reigning Commonwealth champion describes how coach Samuels' words and methods have continued to shape the athlete he's become in the years since, and explains why the world record and Olympic gold medal can still be his.He also discusses how different his career might have been if he'd chosen to represent Great Britain, instead of the British Virgin Islands. There's also a visit to see King Charles to be planned to collect his OBE. He might even celebrate by buying a new PlayStation, or maybe he'll keep the old one a while longer, even if it does sound like a fridge or a boat engine. Plus, the benefits of listening to some Beethoven are all on the agenda.Photo: Kyron McMaster of Team British Virgin Islands celebrates after winning the gold medal in the Men's 400m Hurdles Final on day nine of the Birmingham 2022 Commonwealth Games at Alexander Stadium on August 06, 2022 on the Birmingham, England. (Credit: Getty Images)

Coley Jens is a fascinating blend of adventurous spirit and dedicated environmental stewardship. Originally hailing from Detroit, Michigan, her formative years near Chicago ignited a lifelong passion for wildlife and critters, nurtured by frequent visits to museums and aquariums. A move to Florida in her youth only deepened this love affair with the natural world. After a stint in the military, including service in Afghanistan, Coley returned home to pursue her studies, initially focusing on zoology before pivoting towards microbiology and chemistry. This diverse academic background perfectly aligns with her current role as an environmental specialist, where she inspects hazardous materials such as diesel and oil to ensure environmental safety, even at facilities like jails. ⁣ Despite the allure of a potentially more lucrative social media career, Coley remains steadfast in her dedication to environmental inspections, a role she's been immersed in since November 2016. Her military background, particularly during emergency operations like Hurricane Irma, has equipped her with invaluable skills for handling high-pressure situations. Balancing her professional commitments with her burgeoning social media presence hasn't been easy, but Coley finds solace and joy in her outdoor adventures and wildlife explorations, which she shares with her online audience under a pseudonym.  ⁣ Despite the occasional mishap, Coley's resilience shines through. Whether it's navigating stormy seas or contemplating a career shift towards park services in the Pacific Northwest, she tackles each challenge with unwavering determination.

Meet Mari, a beacon of resilience and hope who turned her personal struggles into a journey of empowerment. From enduring intense bullying in high school to surviving the devastation of Hurricane Irma, Mari's life has been a testament to overcoming adversity. Forced to rebuild her life from scratch with just what she could fit in her car after evacuating, Mari found strength in the midst of chaos. Despite facing unimaginable challenges, including sexual assault and family loss, she refused to be defined by her circumstances. Now, as a trauma and mindset coach based in North Carolina, Mari helps women reclaim their confidence, freedom, and happiness. Her own journey of healing and transformation serves as a guiding light for others navigating their own paths to resilience and empowerment. Through her work and advocacy, Mari continues to inspire and uplift those facing life's toughest trials, proving that even in the darkest moments, there is always hope for a brighter tomorrow. 

Join us in a riveting episode where we sit down with Robby Herr, a pivotal figure at FuelBox, to discuss the transformative shift in their business model following the devastating impact of Hurricane Irma in 2017. Robby shares how FuelBox evolved from focusing on consumer electronics to providing essential power solutions for first responders and service members. This episode delves into the challenges and triumphs of reorienting a business towards social impact, the innovative technologies developed at FuelBox, and how these efforts support the heroes on the front lines. Tune in to hear Robby's personal insights and stories from the field, shedding light on the power of innovation in times of crisis. Disclaimer: Not advice. Educational purposes only. Not an endorsement for or against. Results not vetted. Views of the guests do not represent those of the host or show. Do your due diligence. Click here to join PodMatch (the "AirBNB" of Podcasting): https://www.joinpodmatch.com/drchrisloomdphd We couldn't do it without the support of our listeners. To help support the show: CashApp- https://cash.app/$drchrisloomdphd Venmo- https://account.venmo.com/u/Chris-Loo-4 Buy Me a Coffee- https://www.buymeacoffee.com/chrisJx Thank you to our sponsor, CityVest: https://bit.ly/37AOgkp Click here to schedule a 1-on-1 private coaching call: https://www.drchrisloomdphd.com/book-online Click here to purchase my books on Amazon: https://amzn.to/2PaQn4p Follow our YouTube channel: https://www.youtube.com/chL1357 Follow us on Twitter: https://www.twitter.com/drchrisloomdphd Follow us on Instagram: https://www.instagram.com/thereal_drchrisloo Follow us on Threads: https://www.threads.net/@thereal_drchrisloo Follow us on TikTok: https://www.tiktok.com/@drchrisloomddphd Follow the podcast on Spotify: https://open.spotify.com/show/3NkM6US7cjsiAYTBjWGdx6?si=1da9d0a17be14d18 Subscribe to our Substack newsletter: https://substack.com/@drchrisloomdphd1 Subscribe to our Medium newsletter: https://medium.com/@drchrisloomdphd Subscribe to our email newsletter: ⁠https://financial-freedom-for-physicians.ck.page/b4622e816d⁠ Subscribe to our LinkedIn newsletter: https://www.linkedin.com/build-relation/newsletter-follow?entityUrn=6992935013231071233 Join our Patreon Community: https://www.patreon.com/user?u=87512799 Join our Spotify Community: ⁠https://podcasters.spotify.com/pod/show/christopher-loo/subscribe⁠ Thank you to our advertisers on Spotify. Financial Freedom for Physicians, Copyright 2024

My guest today worked for Club Med from 2015 to 2019. She started as a Tennis G.O. during her first season in Club Med Punta Cana, but she also was a waterski and Circus G.O. in later seasons. Before Club Med, she graduated from the University of Denver with a Communications and Marketing degree. After Club Med, she attended Barry University in Miami and obtained a master's degree in Sport, Exercise, and Performance Psychology and she now has her own business in Utah, called “Sarah Sutin Performance". Everyone, please help me welcome the amazing Sarah Sutin! Sarah went to Club Med Punta Cana as a G.M. with her mother when she was a junior in college, and then went back her senior year. Sarah interviewed in Los Angeles with roughly one hundred other people and did not wait long before she was told she was headed back to Punta Cana, this time as a G.O. From getting lost during arrivals at Punta Cana, to popping blood vessels during the Spanish Web at Turks and Caicos, to being a “towel holder” at Punta Cana foam parties, to Hurricane Irma cutting short her 2017 season at Turks, Sarah shares some of her most memorable stories with us. Sarah also worked in Club Med Cancun in 2016/2017 and helped with the opening of Club Med Miches in 2019. We talk about her life and career now in Parks City, Utah, who she enjoyed working with at Club Med, and what she misses most about Club Med. Please enjoy! **My First Season podcast has always been ad-free and free to listen to and is available to download on: Apple Podcasts, Google Podcasts, Samsung Podcasts, Podbean App, Podchaser, Spotify, Amazon Music/Audible, TuneIn + Alexa, iHeartRadio, PlayerFM, Pandora and Listen Notes. And if you like what you hear, please leave a review on Apple podcasts.  Please check out Sarah's website below: SARAH SUTIN (sarahsutinperformance.com)        

Understanding Insurance Appraisals with Zander Diaz | Claims Game Podcast 063 Welcome back to The Claims Game Podcast, where we dive into the world of insurance claims and how to grow your career as a public adjuster. In this episode, we chat with Zander Diaz, the owner of Nationwide Appraisal Group (NWA), about everything related to appraisals in insurance and how Zander made his mark in the industry, especially after Hurricane Irma. Zander shares his journey, from starting in the field right after a major hurricane to creating a company focused on appraisals. The discussion isn't just about work; it's also about the personal experiences and the Miami vibe that both me and Zander bring into our professional lives. This episode is packed with useful advice for anyone in the insurance field, especially public adjusters who want to get better at what they do. What you'll learn in this episode:

In one of the most perplexing cases, 32-year-old Hannah Upp vanished off the face of the earth shortly after Hurricane Irma hit the Virgin Islands in 2017. What makes it even stranger is that she had disappeared twice before -- Connect with us! Instagram: @unnaturalthepodcast Facebook: Unnatural: A True Crime Podcast Patreon: www.patreon.com/unnaturalthepod Email: unnaturalthepodcast@gmail.com

Join Courtney and Dana as they explore the challenges of managing a team while leading it, discuss the complexities of running a business and talk through making tough decisions during unprecedented times like Hurricane Irma. From poignant childhood memories to the intricacies of balancing personal beliefs with business realities, this episode takes you on a journey through the messy bubble of entrepreneurship and the importance of embracing collective resilience. This show is hosted by Dana Kadwell and Courtney Hopper and is produced by Earfluence.Check out their other hustles!C&D Events The Bradford Wedding VenueAnthem HouseHustle and Gather

Join Courtney and Dana as they talk with Carin Hunt, the CEO of Celebration Pros. Carin shares her inspiring journey from building a successful wedding planning business in the Florida Keys to weathering the challenges brought by Hurricane Irma. Discover how Carin's resilience, community focus, and passion for collaboration not only helped her overcome tragedy but also led her to establish Celebration Pros, a thriving community supporting growth-minded professionals. This show is hosted by Dana Kadwell and Courtney Hopper and is produced by Earfluence.Check out their other hustles!C&D Events The Bradford Wedding VenueAnthem HouseHustle and Gather

Introduction Chris Tuttle is the Emergency Communications Coordinator for the U.S. Department of Homeland Security, Cybersecurity and Infrastructure Security Agency for Region 2, which includes the states and territories of New Jersey, New York, Puerto Rico and the U.S. Virgin Islands. Since 2010, Chris has supported and promoted the nationwide improvement of emergency communications capabilities, while addressing the complex issues facing the emergency communications ecosystem. Chris continues to build trusted relationships, enhance collaboration, and stimulate the sharing of best practices and information between all levels of government, critical infrastructure owners and operators, and key non-government organizations. Over the last twelve years, Chris has been involved with several national and regional level Emergency Support Function #2 activations, to include; Puerto Rico Earthquakes, Hurricane Maria, Hurricane Irma, Hurricane Sandy, Hurricane Irene, Super Bowl, Pope Francis Visit, and the annual General Assembly meetings of the United Nations in New York City. Chris' previous experience includes Hazardous Materials/Counter-Terrorism Program Manager at the Rhode Island Emergency Management Agency and Manager of Emergency Operations in Public Safety Department at the Port Authority of New York and New Jersey (PANYNJ). Chris' work at the PANYNJ focused on radio and wireless communications, specifically interoperable emergency communications within New York City, New York, and New Jersey. In addition, Chris' experience includes a variety of crisis management and emergency response planning and training projects for corporate and public sector organizations throughout the United States. Chris' public safety experience includes 27 years as a volunteer firefighter (six years as Chief of Department, Maywood, NJ), continuing to work over the last ten years as a part time 9-1-1 dispatcher (City of Hackensack, NJ Fire Department), and emergency management coordinator for his home town. Chris holds a Bachelor of Arts degree in Political Science and History from the University of Rhode Island. Congressional Testimony on Infrastructure Threats, January 31, 2024 https://selectcommitteeontheccp.house.gov/committee-activity/hearings/hearing-notice-ccp-cyber-threat-american-homeland-and-national-security Contact Information Christopher.Tuttle@cisa.dhs.gov

FIONA GUY  Season 2 Episode 4 ​​Surviving Hurricane Irma: A Personal Story with Fiona Campbell In this episode, the guest, Fiona Campbell, recounts her harrowing experience during Hurricane Irma in 2017, the strongest hurricane on record across the Atlantic. She reveals her difficult decision to leave her wooden house behind and take refuge at a friend's during the storm. Reliving the devastation, she describes the island aftermath as a war zone, with no trees or vegetation left standing. Returning to find her home completely destroyed caused deep sadness, more for the loss of what the place represented than the literal bricks, mortar, and possessions Remember to subscribe to The Bravery Academy podcast for more inspiring conversations. Access ad-free, early access content on Apple Podcasts and patreon.com/thebraveryacademy. And if you have a question get in touch with Emma on Instagram or Facebook  @thebreatheffect @drvictoriathompson MORE CONTENT or to simply support the Podcast: patreon.com/thebraveryacademy WANT AD FREE/ EARLY ACCESS APPLE PODCASTS SUBSCRIBERS MORE CONTENT or to simply support the Podcast: patreon.com/thebraveryacademy Subscribe to "The Bravery Academy" on Apple Podcasts to access early ad-free episodes and be part of a community dedicated to building resilience. WANT AD FREE/ EARLY ACCESS APPLE PODCASTS SUBSCRIBERS Check out Emma's website to access her free resources such as her breathing quiz and find out how you work with her one on one, in a group, with her Thrive Workshops or on retreat: THE BREATH EFFECT RESOURCES The Bravery Academy is not a licensed mental health service and is not a substitute for professional mental health advice, treatment or assessment. The episodes on The Bravery Academy discuss a range of topics from mental health, trauma, abuse, stress, loss and bravery.  If you are struggling please reach out for help.  If you are in New Zealand and need to talk free, call or text 1737 any time for support from a trained counselor. The Depression helpline is on 0800 111 757 or free text 4202(to talk to a trained counselor about how you are feeling or to ask any questions).  Youthline call 080 0376 633 or free text 234.  You are not alone. PROUDLY PRESENTED BY CONmunity on the EVERGREEN NETWORK  Check out more: CONNING THE CON KLOOGHLESS - THE LONG CON GUILTY GREENIE STOP THE KILLING    Learn more about your ad choices. Visit megaphone.fm/adchoices

In this week's episode, Madison chats with Deputy Emergency Manager Mike Nevarez. While working for government agencies, Mike made it through Hurricane Irma, COVID-19 and Hurricane Ian, working in either procurement or emergency management. He brought lots of knowledge to his current position, and we're glad to have him. Outside of work, Mike loves getting outside and "mountain biking." We hope you enjoy!

Jill Horstmann–founder of Squirrelly AF Rescue, a squirrel-focused rescue and rehabilitation operation she runs at her St. Petersburg home—recalls growing up in Wisconsin, where she was that neighborhood kid who tended to injured or ill critters. But it's hardly been a straight line from Jill Horstmann, Kid Animal Rescuer to Jill Horstmann, Adult Animal Rescuer—though […] The post Jill Horstmann, founder of Squirrelly AF Rescue first appeared on Talking Animals.

Advances in artificial intelligence (AI) and machine learning are getting closer to providing insurance companies with a new underwriting tool to combat fraud: the ability to review meeting minutes and other public documents from homeowners and condominium associations, whose communities are home to nearly half of Florida's 22.3 million residents.Several Florida associations have been accused of recent wrongdoing, including one where four former board members were arrested, accused of engaging in a multi-million dollar embezzlement of monthly dues from residents.  Former Florida Deputy Insurance Commissioner Lisa Miller sat down with an insurance lawyer and an insurance services company executive who uses AI, to find out how often this fraud happens, how it increases property insurance rates, and exactly how the new technology to fight it will work.Show Notes The South Florida Sun Sentinel did a recent exposé of a West Miami development called The Hammocks, a 6,500-unit community of houses, townhouses, and condominiums.  Four former association board members were arrested for allegedly engaging in an intricate scheme to embezzle millions of dollars in monthly dues from residents.  Authorities say $2.4 million in checks were written to five companies that did little or no work for the homeowners association (HOA) – two of them owned by the husband of the former board president.  Andy McGuire, Chief Strategy Officer and Co-Founder of PEAK6 InsurTech, said such fraudulent practices contribute to inflationary pricing and higher insurance rates.   He said advances in technology, especially artificial intelligence (AI) and the machine learning process, are providing better insights into risk.  His company's subsidiary, Focus Technologies, is doing this today to serve its customers better. “With enough observations, you can run a model, for example, on the language used in the meeting minutes to potentially pick up on schemes,” said McGuire.  “Now that we have this example, for this particular issue, we can build an AI and teach it with these talk paths or words and knowing that it resulted in fraud, you have your first learning.  You can get enough positive observations that you now have a model that an underwriter can load the minutes into and get a prediction.  Combine that with financial data and a propensity to commit fraud of each individual member of the board, and you have a fully automated decision tree.  I don't think we're totally there yet, but we're really close.  This is the future,” said McGuire, whose 25 years in the industry include risk management and reinsurance.Tiffany Rothenberg is a Partner at the Kelly Kronenberg law firm's West Palm Beach office in the heart of Florida's condominium country.  She represents commercial property insurance companies in complex coverage disputes and is an expert in the HOA and condominium association insurance claims arena.  “I can't tell you how frequently we end up seeing this kind of a scenario,” Rothenberg told host Lisa Miller.  “I just had a case here in Palm Beach County, where the association submitted a $4.5 million dollar Hurricane Irma claim for roof damage.  When we started to review their condo records, we discovered that the association actually had five roof replacement proposals that were all under $1 million.  And then during depositions, it came out they actually signed a contract with one of those roofing contractors for around... (For full Show Notes, visit https://lisamillerassociates.com/episode-46-insurers-know-the-building-and-the-board/)  

The plaintiff went to the defendant's nail salon. She claims the salon overcharged her and then cut her finger, which caused her extensive bleeding. She's suing for pain and suffering and loss of modeling work. The defendant argues the plaintiff was satisfied when she left the salon.  Then, the plaintiff did handywork for his neighbor, the defendant, but then Hurricane Irma hit their neighborhood. The plaintiff says the defendant harassed him and blamed him for damage caused by the hurricane. He's suing for legal fees, gas, defamation of character, and loss of work. The defendant got a restraining order against him and says he ruined her house.  Plus, The plaintiff says his cab was illegally towed by the defendant. He argues the defendant damaged his cab when it was towed, so he's suing for car damages, reimbursement, and lost wages. The defendant says there wasn't a tag on the cab, so he says it was parked illegally. Don't forget to rate and subscribe so you never miss an episode.See omnystudio.com/listener for privacy information.

Introduction Ed McCrane has over 21 years of Emergency Response and Emergency Management experience and is currently serving as the Emergency Management Chief for Sarasota County, Florida. He is a Florida Professional Emergency Manager (FPEM) and has extensive experience in emergency management, including his role as the Region 4 Coordinator for the Florida Division of Emergency Management (FDEM). While with FDEM he served as state liaison for seven area emergency management agencies and responded to seven major hurricanes to provide state assistance to impacted counties. A U.S. Army veteran of 22 years, his experience includes Multi-National Force & Observers, Sinai Egypt, Operation Just Cause in Panama and JTF 94-95 Operation Sea-Signal, Cuban mass migration in Guantanamo Bay, Cuba. After the attack on September 11th, he was instrumental in training the Florida National Guard to work in Florida's airports, seaports, and nuclear power facilities. While serving as EM Chief for Sarasota County, Ed has served as the Incident Manager for 3 Major Hurricanes, 7 Tropical Storms, 1 Tornado, H1N1 Pandemic, Deep Water Horizon Oil Spill, and the COVID-19 Pandemic. Ed has a Bachelor of Arts Degree in Homeland Security and Emergency Management from Ashford University and is a recipient of the Florida Distinguished Service Medal. Key Positions - Chief (Director) Sarasota County Emergency Management - Chair Sarasota County Local Mitigation Strategy Working Group - Regional Response Coordinator (Region 4) Florida Division of Emergency Management - Military Support to Civil Authorities Coordinator, Department of Military Affairs (FLNG) US Army: - Senior Enlisted Advisor to the 53rd Infantry Brigade, Florida National Guard - Battalion Non-Commissioned Officer in Charge 2nd Bn/5th Inf 25th Infantry Division - Rifle Platoon Leader & Logistics Support Platoon Sergeant 2/9 Infantry - U.S Army Recruiter San Antonio, Texas - U.S. Army Drill Instructor Fort Jackson, South Carolina Contact Information linkedin.com/in/Edward-j-mccrane-jr Edward.mccrane@outlook.com

Episode Notes Travel executives from some of the industry's most important companies will be speaking at the 10th annual Skift Global Forum this week in New York City and they'll address a wide range of topics.  When it comes to the future of travel, Skift CEO and founder Rafat Ali has outlined four major themes that will impact travel the most: demographic shifts, the widespread loneliness crisis, the evolving future of work and the urgent need for climate adaptation.  All pose significant challenges – but also opportunities. As the world's population ages rapidly, the travel industry can craft experiences for an older yet increasingly active population. To address loneliness, it can create group travels centered around shared interests and themes. Next, Hospitality group Ennismore has taken major steps to market its all-inclusive resorts in its push for 100 resorts by 2027, reports Senior Hospitality Editor Sean O'Neill. The company's all-inclusive resort collection currently has 38 properties, and Ennismore co-CEO Gaurav Bhushan expressed confidence his company could stand out in a segment that O'Neill notes is typically dominated by generic offerings.  Finally, tourism-dependent destinations such as Morocco and Maui have been decimated by natural disasters recently. Associate Editor Rashaad Jorden turns to Ask Skift, our artificial intelligence chatbot, to find out how events like earthquakes and wildfires impact tourism. As the aftermath of natural disasters often includes massive trip cancellations, Jorden writes Maui might see a decrease in visitors for the foreseeable future. Analysts at T.D have predicted that Maui's rebound would “take years,” citing the two-year recovery for air travel demand to Puerto Rico after Hurricane Irma in 2017.  Meanwhile, one Morrocan-based expert said the tourism to Marrakech, near the recent earthquake's epicenter, would suffer for years, adding relying on the industry to revive would be illogical. However, Moroccan hotel managers have said business is gradually returning, especially with the upcoming World Bank Group annual meeting in Marrakech. 

Introduction Bill Johnson is a nationally recognized leader in healthcare, public safety, and emergency management. He is the former Director of the Palm Beach County Division of Emergency Management. Throughout his nearly 11-year tenure, he guided the County in its response to several major disaster incidents, including COVID-19 (2020), Tropical Storm Isaac (2012), Hurricane Matthew (2016), Hurricane Irma (2017), and Hurricane Dorian (2019). He led the Division to become one of few local programs in the nation to become an accredited emergency management program. Prior to Palm Beach County, Bill worked as the Assistant Director for the Broward County and Miami-Dade County emergency management departments. Bill has been deployed to numerous major disasters including to New York City's Emergency Operations Center to assist with incident command after the 9/11 “Attacks on America” (2001), to Lee County after Hurricane Charley (2004), to Monroe County after Hurricane Irma (2017), to Calhoun County after Hurricane Michael (2018), and to the FEMA Region IV RRCC in Atlanta after Hurricane Ian (2022). He is a registered nurse, Florida Professional Emergency Manager (FPEM), and was a certified paramedic for 28 years. Key positions: • Public Health Advisor (IMT), U.S. Dept. of Health & Human Services (DHHS) • Director, Palm Beach County (FL) Division of Emergency Management • Assistant Director, Broward County (FL) Emergency Management Division • Director – Emergency Management, URS Corporation • Assistant Director, Miami-Dade County (FL) Office of Emergency Management • Assistant Director, Miami-Dade County (FL) Office of Trauma Services Contact information: Twitter: @BillJohnsonRN LinkedIn: www.linkedin.com/in/billjohnsonrn

In this episode of the State of Sportfishing podcast, Leo interviews Marty from Main Attraction, a charter boat captain in the Florida Keys. Marty shares his fascinating story of how he got into the charter business, starting from his childhood experiences of fishing for fun during summer vacations. He also talks about taking over the company and the challenges he faced when Hurricane Irma hit. This episode provides a unique insight into the world of charter fishing and highlights Marty's expertise and passion for his work. Don't miss this captivating conversation with Marty from Main Attraction.If you have any requests or awesome guest for the podcast let us know via: podcast@billfish.site  If you like the podcast, please support us by checking out some of our latest products, especially the Performance Pants, on Check out our gear at https://billfishgear.com/?utm_source=...  Billfish Group specializes in enhancing human outdoor performance through technical products. We create products, in all forms, which enhance the outdoor experience both on and off the water. We felt there was a need for true performance wear, as the elements get harsher, it's up to us to become better. Billfish was created by fishermen, for fishermen with the goal of building a community of outdoors enthusiasts around the globe. We do this through engaging with our community on social media platforms and IRL events.

MY NEW NORM Podcast-S3 E18 ENCORE SERIES 5 of 6EPISODE: LIEUTENANT COLONEL CHRISTOPHER WINGATE / FAITH- FAMILY- FREEDOMWelcome- MY NEW NORM, it's all about REAL PEOPLE and REAL STORIES!Now you can help support this podcast with as little as the price of a cup of coffee. Help support MY NEW NORM Podcast-Go to the link below:https://ko-fi.com/mynewnormOne more thing, help us get the word out by sharing this podcast with those you know!THIS EPISODE:My guest in this episode, is a 19-year, active-duty Lieutenant Colonel in the US Army.He is assigned to the Pentagon and Headquarters Department of the Army as the MEDEVAC and Fixed Wing Action Officer.He has Deployed 42 total months - 4 times to combat- twice in Iraq and twice in Afghanistan.He also deployed for two humanitarian relief efforts, post-Hurricane Irma & Maria.To say he's seen war is an understatement.He has seen it all. What is so special about my guest today is not only the honor of knowing someone who serves our countrybut that he has a heart for not only protecting our country but future generations -the youth of America.He is keenly aware that there is another war that rages-it's the cultural battle aimed at our children.This is an episode you will want to share. I urge Military families and every parent to hear this episode.Lieutenant Colonel Christopher Wingate-A man who stands for faith, family, and freedom.ORDER BOOKS:www.chriswingate.com——————————————--DISCLAIMER NOTIFICATION-“The views and opinions presented herein are those of the author and do not necessarily represent the views of DoD or its Components. Appearance of, or reference to, any commercial products or services does not constitute DoD endorsement of those products or services. The appearance of external hyperlinks does not constitute DoD endorsement of the linked websites, or the information, products or services therein.”mynewnorm.buzzsprout.com/ / Find us on all major podcast platforms!

Join Roland Frasier in this episode of Business Lunch as he welcomes the legendary Sir Richard Branson to discuss his unique approach to building and expanding the iconic Virgin brand. With a blank sheet of paper and a determination to be different, Branson has disrupted industries ranging from music to airlines and now, space travel. He shares inspiring stories of his adventures, including balloon voyages and a near-death experience during Hurricane Irma. Branson reveals the secrets behind his brand's success, emphasizing the importance of reputation, treating people well, and taking risks. Learn how Virgin is revolutionizing space travel and the small satellite industry, and get a sneak peek into the upcoming launch of Virgin Voyages' adult-only cruise line. If you want to be inspired by an entrepreneur who dares to dream big and take action, tune in to this episode of Business Lunch with Roland Frasier.HIGHLIGHTS "We needed to use ourselves to get out there and get the companies on the map. I think these adventures gave us a much more sexy, you know, image that people would identify with over stuffy competitors." "Tactical strategies that you can start using to live a rich and happy life." - Roland Frasier"You're only as good as your reputation, so you've got to zealously protect your reputation." TIMESTAMPS00:00: Introduction04:09: What Drives You? 09:28: Virgin Mobile 14:46: Diversity In Expertise 18:54: Building A Brand 23:44: The Future Of Virgin Voyages 28:20: Virgin Galactic 38:02: Partners Mentioned in this episode:Get Roland's Training on Acquiring Businesses!Discover The EXACT Strategy Roland Has Used To Found, Acquire, Scale And Sell Over Two Dozen Businesses With Sales Ranging From $3 Million To Just Under $4 Billion! EPIC Training

Business guru John Maxwell once said, "Everything rises and falls on leadership."It is safe to say a major reason why Sarasota Memorial Health Care Systems (SMH) keeps rising is its incredible leader who was recently and severely tested via a worldwide pandemic and a Cat-4 hurricane.I'm very pleased to welcome David Verinder, CEO of Sarasota Medical Health Systems (SMHCS).In today's episode, you learn...One thing most people don't know about David.Why he chose a career in healthcare administration.How incredibly difficult it was for him to lead a 9,000-employee healthcare organization during Covid.What David learned from Hurricane Irma that prepared him and his team for Hurricane Ian.... and much much more!Thank you for stopping by today it's my hope you will listen ... learn ... and connect!SMH FACEBOOKSMH TWITTERSMH YOUTUBESMH INSTAGRAMSMH LINKEDIN

CLICK HERE to listen to episode audio (5:10).Sections below are the following: Transcript of Audio Audio Notes and Acknowledgments ImagesExtra InformationSources Related Water Radio Episodes For Virginia Teachers (Relevant SOLs, etc.). Unless otherwise noted, all Web addresses mentioned were functional as of 5-22-23. TRANSCRIPT OF AUDIO From the Cumberland Gap to the Atlantic Ocean, this is Virginia Water Radio for the weeks of May 29 and June 5, 2023. SOUNDS – ~6 sec – loud thunder and rain. Sounds of rain and thunder open Water Radio's annual episode previewing a potential bunch of rainy, thunderous, windy, and dangerous summer and fall visitors.  Have a listen for about 35 seconds to some more stormy sounds accompanying 21 names that we hope will not become infamous this year. SOUNDS AND VOICES - ~34 sec – “Arlene.  Bret.  Cindy.  Don.  Emily.  Franklin.  Gert.  Harold.  Idalia.  Jose.  Katia.  Lee.  Margot.  Nigel.  Ophelia.  Philippe.  Rina.  Sean.  Tammy.  Vince.  Whitney.” Those were the names planned for storms that may occur during this year's Atlantic basin tropical cyclone season.  The Atlantic basin includes the Atlantic Ocean, Caribbean Sea, and Gulf of Mexico, and the Atlantic tropical cyclone season runs officially from June 1 through November 30.  Most Atlantic tropical cyclones occur within this period, but not all of them do.  In fact, every year from 2015 through 2021 had a named Atlantic basin storm before June 1.  [Editor's note, not in the audio: Pre-June named Atlantic storms from 2015 through 2021 were Ana in 2015, Alex in January 2016 and Bonnie in May 2016, Arlene in April 2017, Alberto in May 2018, Andrea in May 2019, Arthur and Bertha in May 2020, and Ana in May 2021.  The first named storm in 2022 officially formed on June 5, when on that day the National Hurricane Center upgraded Potential Tropical Cyclone One to Tropical Storm Alex.] Tropical storms and hurricanes are two categories of tropical cyclones, which are rotating storm systems that start in tropical or sub-tropical latitudes.  A tropical cyclone is called a tropical storm—and gets a name—when sustained wind speeds reach 39 miles per hour; at 74 miles per hour, a tropical cyclone is considered a hurricane.  Tropical depressions—with wind speeds below 39 miles per hour—don't get named if they never reach tropical storm wind speed, but they can still bring damaging rainfall and flooding.  Hurricane-force storms are called typhoons in northwestern areas of the Pacific Ocean.  [Editor's note, not in the audio: A tropical system that never gets above the tropical depression wind-speed level won't be given a name.  But a lingering tropical depression that previously was at the wind speed of a tropical storm or hurricane will have a name associated with it.] Before a tropical system of any speed or name barges into the Old Dominion, here are five important preparedness steps recommended by the National Weather Service. 1.  Know your zone – that is, find out if you live in a hurricane evacuation area by checking the Virginia Department of Emergency Management's “Hurricane Zone Evacuation Tool,” available online at  vaemergency.gov/prepare, or by contacting your local emergency management office. 2.  Assemble an emergency kit of food, water, flashlights, first aid materials, a battery-powered radio, and other items that would be useful in a power outage. 3.  Have a family emergency plan, including procedures for evacuating and for getting in touch with one another in an emergency. 4.  Review your insurance policies to ensure that you have adequate coverage for your home and personal property. And 5.  Establish ways to stay informed, especially if the power goes out. Detailed safety tips for hurricanes and other severe weather are available online from the National Weather Service, the Virginia Department of Emergency Management, the American Red Cross, and various other sources. Thanks to seven Virginia Tech colleagues for lending their voices to this episode. We close with about 25 seconds of original music for tropical storms, composed and performed by Torrin Hallett. Here's “Tropical Tantrum.” MUSIC - ~27 sec – instrumental. SHIP'S BELL Virginia Water Radio is produced by the Virginia Water Resources Research Center, part of Virginia Tech's College of Natural Resources and Environment.  For more Virginia water sounds, music, or information, visit us online at virginiawaterradio.org, or call the Water Center at (540) 231-5624.  Thanks to Stewart Scales for his banjo version of “Cripple Creek” to open and close this episode.  In Blacksburg, I'm Alan Raflo, thanking you for listening, and wishing you health, wisdom, and good water. AUDIO NOTES AND ACKNOWLEDGEMENTS All sounds in this episode were recorded by Virginia Water Radio in Blacksburg, Va. The tropical storm name call-outs by seven Virginia Tech faculty and staff were recorded on May 19, 2023.  The opening rain and thunder were recorded in Blacksburg on July 31, 2012.  The rain and thunder accompanying the name call-outs were recorded in Blacksburg on September 28, 2016. “Tropical Tantrum” is copyright 2017 by Torrin Hallett, used with permission.  As of 2022-2023, Torrin is the associate principal horn of the Symphonic Orchestra of the State of Mexico.  He is a 2018 graduate of Oberlin College and Conservatory in Oberlin, Ohio, a 2020 graduate in Horn Performance from Manhattan School of Music in New York, and a 2021 graduate of the Lamont School of Music at the University of Denver.  More information about Torrin is available online at https://www.facebook.com/torrin.hallett.  Thanks very much to Torrin for composing the piece especially for Virginia Water Radio.  This music was used previously by Virginia Water Radio most recently in Episode 580, 6-7-21, a preview of the 2021 Atlantic tropical storm season. Following are other music pieces composed by Torrin Hallett for Virginia Water Radio, with episodes featuring the music. “A Little Fright Music” – used in Episode 548, 10-26-20, on water-related passages in fiction and non-fiction, for Halloween; Episode 601, 10-31-21, connections among Halloween, water, and the human boy; and Episode 640, 10-31-22, a Halloween-themed tree quiz.“Beetle Ballet” – used in Episode 525, 5-18-20, on aquatic beetles.“Chesapeake Bay Ballad” – used most recently in Episode 632, 7-18-22, on Chesapeake Bay conditions.“Corona Cue” – used in Episode 517, 3-23-20, on the coronavirus pandemic. “Flow Stopper” – used in Episode 599, 10-18-21, on “Imagine a Day Without Water.”“Geese Piece” – used most recently in 615, 2-7-22, on Brant.“Ice Dance” – “Ice Dance” – used most recently in Episode 606, 12-6-21, on freezing of water.“Lizard Lied” – used in Episode 514, 3-2-20, on lizards. “New Year's Water” – used most recently in Episode 610, 1-3-22, on water thermodynamics and a New Year's Day New River wade-in. “Rain Refrain” – used most recently in Episode 559, 1-11-21, on record rainfall in 2020. “Runoff” – in Episode 585, 7-12-21 – on middle schoolers calling out stormwater-related water words.“Spider Strike” – used in Episode 523, 5-4-20, on fishing spiders.“Tundra Swan Song – used in Episode 554, 12-7-20, on Tundra Swans.“Turkey Tune” – used in Episode 343, 11-21-16, on the Wild Turkey. Click here if you'd like to hear the full version (1 min./11 sec.) of the “Cripple Creek” arrangement/performance by Stewart Scales that opens and closes this episode.  More information about Mr. Scales and the group New Standard, with which Mr. Scales plays, is available online at http://newstandardbluegrass.com. IMAGES National Hurricane Center map of the Atlantic tropical weather outlook for the next seven days, as of 8 a.m. EDT on May 23, 2023; map accessed online at https://www.nhc.noaa.gov/gtwo.php?basin=atlc&fdays=7.National Hurricane Center map showing the names, dates, and tracks of named Atlantic basin tropical cyclones (tropical storms and hurricanes) in 2022; map accessed online at https://www.nhc.noaa.gov/data/tcr/index.php?season=2022&basin=atl.“5 Things to Know About Hurricane Hazard Risks” poster from the National Weather Service, “What to Do Before the Tropical Storm or Hurricane,” online at https://www.weather.gov/safety/hurricane-plan.  The site also has posters with “5 Things to Know About…” having an evacuation plan, strengthening one's home, getting information, and insurance. EXTRA INFORMATION ON TROPICAL CYCLONE PREPAREDNESS The following information quoted from the National Weather Service, “Hurricane Safety,” online at https://www.weather.gov/safety/hurricane, May 22, 2023. Plan for a Hurricane: What to Do Before the Tropical Storm or Hurricane (online at https://www.weather.gov/safety/hurricane-plan) “The best time to prepare for a hurricane is before hurricane season begins on June 1.  It is vital to understand your home's vulnerability to storm surge, flooding, and wind.  Here is your checklist of things to do BEFORE hurricane seasons begins. “Know your zone: Do you live near the Gulf or Atlantic Coasts?  Find out if you live in a hurricane evacuation area by contacting your local government/emergency management office [or, in Virginia, by visiting https://www.vaemergency.gov/hurricane-evacuation-zone-lookup/]. “Put Together an Emergency Kit: Put together a basic emergency kit [information to do so is online at https://www.ready.gov/kit].  Check emergency equipment, such as flashlights, generators, and storm shutters. “Write or review your Family Emergency Plan: Before an emergency happens, sit down with your family or close friends and decide how you will get in contact with each other, where you will go, and what you will do in an emergency.  Keep a copy of this plan in your emergency supplies kit or another safe place where you can access it in the event of a disaster.  [Information to help with emergency plan preparation is online at https://www.ready.gov/plan.] “Review Your Insurance Policies: Review your insurance policies to ensure that you have adequate coverage for your home and personal property. “Understand NWS forecast products, especially the meaning of NWS watches and warnings. “Preparation tips for your home from the Federal Alliance for Safe Homes [available online at https://www.flash.org/]. “Preparation tips for those with chronic illnesses [available from the U.S. Centers for Disease Control and Prevention, online at https://www.cdc.gov/chronicdisease/resources/infographic/emergency.htm].” Actions to Take When a Tropical Storm or Hurricane Threatens (online at https://www.weather.gov/safety/hurricane-action) “When a hurricane threatens your community, be prepared to evacuate if you live in a storm surge risk area.  Allow enough time to pack and inform friends and family if you need to leave your home. “Secure your home: Cover all of your home's windows.  Permanent storm shutters offer the best protection for windows.  A second option is to board up windows with 5/8 inch exterior grade or marine plywood, built to fit, and ready to install.  Buy supplies before the hurricane season rather than waiting for the pre-storm rush. “Stayed tuned in: Check the websites of your local National Weather Service office [online at https://www.weather.gov/] and local government/emergency management office.  Find out what type of emergencies could occur and how you should respond.  Listen to NOAA Weather Radio or other radio or TV stations for the latest storm news. “Follow instructions issued by local officials. Leave immediately if ordered! “If NOT ordered to evacuate:

Introduction Jeff Goldberg is a career Emergency Manager who has served in the following roles: Director of Walton County (FL) Emergency Management and was previously Planning Manager, Palm Beach County Division of Emergency Management FEMA instructor Several Emergency Management Consulting Positions both pre and post 9/11 providing support to Federal, State, and local governments Emergency Management Advisor, US House of Representatives Founding Emergency Management Director, US Library of Congress Chair, Capitol Hill Task Force on Emergency Management (participated in many Capitol Hill crisis events including the State of the Union Address and the Anthrax Incident Secretary, Florida Emergency Preparedness Association, the Vice Chair Certification Commission and the Co-Chair of the Training and Professional Development Committee Command Team, Brevard County for Hurricane Mathew, Lee County for Hurricane Irma, and Bay County for Hurricane Michael Counterterrorism background spanning decades including Nunn-Lugar Domestic Preparedness Program, FEMA Regional Terrorism Training, Federal Cabinet level Top Officials Exercise (TOPOFF), and other State and local training and exercise programs. Education Bachelor of Science, Business Management Contact Information LinkedIn https://www.linkedin.com/in/jmgoldberg/

What do you do when you see a void in an organization, a community, or a nation? If you're Melissa Gumbs, you find a way to fill that gap with ideas and programs that can benefit everyone. In Sint Maarten, she saw an opportunity to build a community for LGBTQ+ folks and a political party for everyone. Now, as a Member of Parliament, her ideas about inclusion seek to reduce the brain drain caused by some Sint Maarteners not feeling welcome. Her authenticity and visibility provide hope to people who thought they might not have a place on the island.   Melissa Gumbs is a member of Parliament in Sint Maarten, a constituent country within the Kingdom of the Netherlands, winning her seat in 2020 as part of a new political party. Born and raised on Sint Maarten she moved to Miami to attend St. Thomas University earneing a Bachelor's in Business Administration and a Master's in International Business. She spent seven years in The Hague, The Netherlands, where she worked as a Market Research Analyst at TMF Netherlands B.V, providing her a front-row seat to understand the impact mergers of global corporations have on small economies. In 2011, she co-founded Unified Sint Maarten Connection with Cyriel Pfennings, which kicked off a long tenure of serving as board member or volunteer for various non-profits related to affecting social change. She served as board member of Foresee Foundation, as advisory board member for SAFE SXM, the island's primary LGBT-focused foundation. In 2016, Melissa returned home to St. Maarten where she joined United Telecommunication Services as a Section Manager. She was instrumental in returning communication to the island after the devastating Hurricane Irma in 2017. Outside of her work at UTS, Melissa continued her volunteer work and established a new political party. In January 2020, along with seven other candidates, Melissa contested the 2020 St. Maarten Parliamentary elections on the Party for Progress slate, which won two seats. Outside of her work, Melissa enjoys video games, movies, reading, writing short stories, and travel.

Roma Osowo's circuitous journey from jewelry maker and homeschool teacher to successful abstract artist is a beautiful example of identifying foundational life experiences and using them as points in a connect-the-dot picture that tell the story of who you are and why it matters. This British Virgin Islander has always loved painting, but she didn't think she could make a living at it. Listen how selling pieces of her art to help two families rebuild their lives following Hurricane Irma's devastation in the British Virgin Islands changed her mind. You'll hear how her work is an extension of her faith and how a question her husband asked her also shaped her future. This color-loving, joy-filled artist has had her work exhibited throughout the US and internationally. Among her many collaborations, she has had a line of canvases sold at Target and notebook covers for organizational lifestyle brand Erin Condren.  

Understanding the Dynamics of Post-Hurricane Shoreline Protection Decisions Dr. Kiera O'Donnell, Postdoctoral Associate, Biology, Trinity College of Arts & Sciences, Duke University Googe Scholar | Twitter @ODonnellKiera93 Insights into the complex factors that shape people's perceptions of their environment and their decisions around shoreline protection. Abstract Coastal communities around the world face a growing threat from rising sea levels, more severe storms, and droughts. To address these challenges, many have turned to natural and nature-based features (NNBF) as a means of reducing hazard exposure while also providing important environmental and social benefits. Despite their many advantages, however, a significant number of waterfront property owners continue to opt for hardened infrastructure to protect their shorelines. Kiera O'Donnell investigated the aftermath of two hurricanes to gain insight into the dynamics between people and their environment in the context of shoreline protection. While both communities surveyed showed an awareness of the protective properties of NNBF, a majority chose hardened infrastructure as their preferred option. Her study sheds new light on the complex factors that influence decision-making in the face of environmental hazards, and highlights the importance of understanding these dynamics to ensure effective and sustainable solutions. Speaker Bio Kiera O'Donnell earned her PhD in 2022 from Northeastern where she worked with Dr. Steven Scyphers and was a member of his Social-Ecological Sustainability lab. Her dissertation research focused on the landscape and social outcomes of Hurricane Irma in the lower Florida Keys and Hurricane Michael in the Florida Panhandle. Kiera holds a BS degree in Oceanography from the University of New England and previously worked at NOAA as a data analyst for sea level and storms. Genetic Engineering and Society Center GES Colloquium - Tuesdays 12-1PM (via Zoom) NC State University | http://go.ncsu.edu/ges-colloquium GES Mediasite - See videos, full abstracts, speaker bios, and slides https://go.ncsu.edu/ges-mediasite Twitter - https://twitter.com/GESCenterNCSU GES Center - Integrating scientific knowledge & diverse public values in shaping the futures of biotechnology. Find out more at https://ges-center-lectures-ncsu.pinecast.co

Gary Russ, a emergency operations manager with the Jacksonville District U.S. Army Corps of Engineers is working at the USACE Recovery Center, in Tampa, for the FEMA Blue Roof mission in support of Operation Florida Strong following Hurricane Irma devastating landfall. He is also a Kansas City Chiefs fan.

Producers/Hosts: Jon Johansen and Alan Sprague Engineers: Pepin Mittelhauser, John Greenman, Amy Browne BoatTalk is the call-in show for people contemplating things naval This month: True story of a shipwreck and salvation. Report of boats in Hurricane Irma. Summary of the amphibious school bus. Guest/s: About the hosts: Alan Sprague is a retired boat carpenter and a volunteer at WERU for over thirty years. He and the late Mike Joyce started Boattalk in 2003 and Alan carries on. Jon Johansen is the editor and roving reporter for the Maine Coastal News. He is Chairman of the Board of the Penobscot Marine Museum, President of Maine Built Boats, President of Maine Lobster Boat Racing, and Director of the International Maritime Library in his spare time. The post BoatTalk 3/14/23: Shipwreck, Salvation, Hurricane Irma & Amphibious School Bus first appeared on WERU 89.9 FM Blue Hill, Maine Local News and Public Affairs Archives.

Acts of service help bring us closer to God. Through selfless acts of kindness and care, we become more Christ-like in our ways and help those around us feel the power of God. Not only that, but when we serve God's children, we serve God as well. In this episode, Donald shares a story about a time when he participated in an act of service with his congregation.   Serving Dixie Brown and the Florida Keys In 2017, Hurricane Irma hit the Keys in South Florida, destroying the homes of many communities His team received a work order to help a community member named Dixie Brown, and he selflessly sent the crew to support his neighbor, who had a tree fall on her house Years later, Donald's son found a video of Dixie Brown on Donald's phone, which inspired Donald to check in on Dixie Brown Through this act of service, a deeper human connection was built and can continue to provide support through the years   “If we are helping God's children… we are going to have the Spirit be with us. It's not for self-aggrandizement or self-accolade, we're doing it because we really care and we want to help other people, and the Spirit of the Lord is able to be present.” - Donald Kelly   What acts of service have you been a part of lately? If you know someone who could connect with this message, send them this episode and encourage them to subscribe. If you liked what you heard, leave us a rating or review on iTunes. If you need someone to talk to and you'd like to reach out to Donald, e-mail donaldckelly09@gmail.com, or find him on Twitter or Instagram.  

"Ebbs and Flows, Part 2" features storytellers Angela TenBroeck, Willie Evans Jr, and Anna Jacobson, along with musical guest Meredith Mason. The stories range from a farmer's search for balance to a beat maker's heartwarming tale of learning to swim, to a family's journey through Hurricane Irma.

Howdy! On this episode of "Before I Forget", Kevin and Tyree kick off Women's History Month with Jeslian Pacheco, who is a US Army Drill Sergeant, native to Puerto Rico, and co-host of her own podcast "Nuevas Criaturas!" Join us as Jeslian tells us why she joined the Army, life in Puerto Rico after Hurricane Irma, and what motivated her to start her own podcast detailing her journey within her faith. Please Like, Listen, Share, Watch, and Subscribe! SHARE! --- Send in a voice message: https://anchor.fm/beforeiforget/message

On September 4, 2017, 14-year-old Jabez Spann is last seen near 22nd Street and Palamadelia Avenue in Sarasota. His family believes he might have witnessed the murder of 31-year-old Travis Combs before he disappeared. February 16th, 2019 the remains of Jabez Spann were found in rural Manatee County.   In this episode of Zone 7, Crime Scene Investigator, Sheryl McCollum, talks with Tawana Spann, the mother of Jabez Spann about life before Jabez went missing, what Jabez was like as a child and how the death of her son has been her driving force in helping others heal from losing a loved one.   Show Notes:  [0:00] Welcome back to Zone 7 with Crime Scene Investigator, Sheryl McCollum. Sheryl gives a brief introduction to the episode involving the unsolved murder of 14-year-old Jabez Spann  [1:56] On September 4, 2017, Jabez Spann could not be found  [2:15] Sheryl sets the scene for the Labor Day weekend when Jabez went missing [4:21] Hurricane Irma hit Sarasota Florida on September 10th, 2017 [5:23] First twist to the case: Jabez may have witnessed a murder [5:44] Second twist to the case: Reginald Parker witnessed a murder on Aug. 28, 2017 and said he saw a Jabez at the scene during the incident [7:03] “It's two separate people witnessing the same event from different vantage points.” [7:10] Third twist: the murder victim that Jabez possibly witnessed was Travis Combs [8:05] Twist four-six: Reginald goes to jail on unrelated charges, Reginald changes his story once he's inside, and In cold cases, you always work backward  [9:32] February 16th, 2019. The remains of Jabez were found on a rural road in Manatee County [10:39] Sheryl introduces guest, Tawana Spann, the mother of Jabez to Zone 7 [11:38] Tawana describes early life with Jabez [18:24] Tawana describes getting the call from her mom regarding Jabez [20:36] ​​”A runaway is a missing person.” [34:38] ANYONE with ANY information is asked to call Crime Stoppers of Sarasota at 941-366-TIPS. A $50,000 reward remains in place for information that leads to an arrest. Please come forward. You can remain anonymous. [38:07] Sarasota adopts a new protocol for missing persons [44:31] Missing Our Voices [45:56] “Sometimes the very thing that causes us pain can be the very thing that heals us.” [48:31] Question: Where does the case stand as of now? [51:58] “Never assume they just ran away. Assume the worst and work down from there. And no matter what, Don't call off the search” -Kelsey German. [52:29] Next week. The secret hidden door inside Britney's apartment was the killer already. Is that why there was no forced entry? Join us and hear Maggie Zing tell you about the murder of her daughter, Brittany. [52:30] Thanks for listening to another episode! If you're loving the show and want to help grow the show, please head over to Itunes and leave a rating and review! How to Leave an Apple Podcast Review: First, Open the podcast app on your iPhone, Mac, or iPad. Then, hit the “Search” tab at the bottom right-hand corner of the page and search for Zone 7. Select the podcast, scroll down to find the subheading “Ratings & Reviews”. and select “Write a Review.” Next, select the number of stars you'd like to leave. Please choose 5 stars! Using the text box which says “Title,” write a title for your review. Then in the text box, write the review itself. The review can be up to 300 words long, but doesn't need to be much more than: “Love the show! Thanks!” or Once you're done select “Send” in the upper right-hand corner.   --- Sheryl “Mac” McCollum is an Emmy Award winning CSI, a writer for CrimeOnLine, Forensic and Crime Scene Expert for Crime Stories with Nancy Grace, and a CSI for a metro Atlanta Police Department. She is the co-author of the textbook., Cold Case: Pathways to Justice. Sheryl is also the founder and director of the Cold Case Investigative Research Institute, a collaboration between universities and colleges that brings researchers, practitioners, students and the criminal justice community together to advance techniques in solving cold cases and assist families and law enforcement with solvability factors for unsolved homicides, missing persons, and kidnapping cases.   You can connect and learn more about Sheryl's work by visiting the CCIRI website https://coldcasecrimes.org Social Links: Email: coldcase2004@gmail.com Twitter: @ColdCaseTips Facebook: @sheryl.mccollum See omnystudio.com/listener for privacy information.

Zach Sutterfield drove early in his junior year of college in July of 2018 to visit his campus at Texas State University with plans to crash on his best friend's couch while waiting to move into his own apartment when someone set fire to the apartment building. With 68% of his body burned, and a traumatic brain injury, Zach has spent the last four years receiving countless surgeries for his injuries.    In this episode, we're joined by Zach and his mom, DJ, as we discuss the critical importance of continued education for fire safety, learn from Zach what it is like living with both burns and traumatic brain injury, and learn more about how Zach and DJ are doing today with Sons of the Flag, an organization helping first responders and military families with their burn injury recovery. About Zach & DJ Sutterfield  Zachary Sutterfield is a 24-year-old college student, brother, friend, and son who is living his best life after receiving serious injuries when someone set his apartment on fire on 20 July 2018. Zach received 3rd-degree full-thickness burns to 68% of his body, a traumatic brain injury, and became a double amputee within weeks of the fire. Zach spent over 17 months in a medical facility where he had to relearn the fundamentals of life. Everything from feeding himself to learning to walk again. After recovering from his injuries, his mission in life has changed, but his tenacity has not. His mission now is to educate and promote fire safety. Zach dreams of becoming a teacher and working for Teach for America but now has devoted himself to the mission of fire safety and prevention. He is excited that he will still be an educator on such an important issue that impacts everyone. Today Zach receives his health care from Sons of the Flag. To date, Zach has had 33 surgeries. The latest of which provided him with a thumb. The Sons of the Flag continue to improve Zach's life and well-being. Not only have they provided him with life-altering surgeries, but they have also given him brotherhood and friendship.  DJ Sutterfield is a wife, mother, veteran, caregiver, and fire safety advocate. She is married to her best friend and soul mate Karl Sutterfield. They have two wonderful boys, Danny and Zachary. She holds a Bachelor of Fine Arts from Angelo State University. DJ served as a medic in the US Army, the Hawaii National Guard and the Texas National Guard. She also trained and served as FEMA's Surge Capacity Force member during Hurricane Irma. Serving her community has always been a passion for DJ. Today she has turned her passion into purpose. She hopes that by sharing her family's story, she can educate others on the importance of fire prevention education and building safety. Resources from the Show  Zach's article in People MagazineLearn More About Sons of the FlagComplex TraumasFire Safety Tips from Phoenix SocietyNational Fire Protection OrganizationDonate to Phoenix Society for Burn SurvivorsOur Sponsor A special thank you to our Season One Sponsor, Pritzker Hageman. The Pritzker Hageman burn injury legal team helps burn survivors, and their loved ones pursue compensation and justice throughout the United States. If you have legal questions, the attorneys at Pritzker Hageman are ready to help. Find out more at LegalJourney.guide  Enjoyed the show? Tell us on social media using hashtag #GirlswithGrafts and tagging Phoenix Society for Burn Survivors! 

Join Trent M Clark, CEO of Leadershipity and 3x World Series Baseball Coach with the CEO of Blue Sky Luxury Travels, Shanna Dickerson!   Shanna faced a serious hardship in her business when not one, but two, hurricanes nearly wiped out the Virgin Islands -- what to do?   Ask for help!!   We often don't do it in times of need and challenge.   You will want to hear her story on the Winners Find a Way Show   Come along with Shanna as she shares her story of how she overcame a business challenge. Her willingness to ask for help, when needed, was the catalyst to finding a way forward.     Learn More from Shanna Dickerson: Shana's beginnings in the music business. Shana's background in gymnastics gave her the resolve to face adversity. Why you need to go with your gut when it comes to business decisions. Hurricane Irma and Maria destroyed everything he had built. Podcast Takeaways : I think kindness and just being a responsible and respectful business person is how I sleep at night. When someone hands you an amazing opportunity, and you don't know how to do it. You say yes. And then you figure it out later. I'm not failing, I'm growing. It is making me stronger.   Links Mentioned in the Episode:  https://blueskyluxurytravels.com/   Support our sponsors:  www.rebelliousbeverage.com   Learn more about Leadershipity Coaching and Events:  Trent@leadershipity.com   Connect with Coach Trent Clark with these links : Youtube: https://www.youtube.com/channel/UC_76SFCClh6GbqLjzFgf8xw LinkedIn: https://www.linkedin.com/in/trentmclark/ Instagram:https://www.instagram.com/leadershipity/?hl=en Fb Page: https://www.facebook.com/Leadershipity/?ref=pages_you_manage   Thanks for tuning into today's episode of    Blue Skies & Big Dreams with Shanna Dickerson with Coach Trent Clark. If you enjoyed this episode, subscribe to the show and leave us a review.  

Join Trent M Clark, CEO of Leadershipity and 3x World Series Baseball Coach with the CEO of Blue Sky Luxury Travels, Shanna Dickerson!   Shanna faced a serious hardship in her business when not one, but two, hurricanes nearly wiped out the Virgin Islands -- what to do?   Ask for help!!   We often don't do it in times of need and challenge.   You will want to hear her story on the Winners Find a Way Show   Come along with Shanna as she shares her story of how she overcame a business challenge. Her willingness to ask for help, when needed, was the catalyst to finding a way forward.     Learn More from Shanna Dickerson: Shana's beginnings in the music business. Shana's background in gymnastics gave her the resolve to face adversity. Why you need to go with your gut when it comes to business decisions. Hurricane Irma and Maria destroyed everything he had built. Podcast Takeaways : I think kindness and just being a responsible and respectful business person is how I sleep at night. When someone hands you an amazing opportunity, and you don't know how to do it. You say yes. And then you figure it out later. I'm not failing, I'm growing. It is making me stronger.   Links Mentioned in the Episode:  https://blueskyluxurytravels.com/   Support our sponsors:  www.rebelliousbeverage.com   Learn more about Leadershipity Coaching and Events:  Trent@leadershipity.com   Connect with Coach Trent Clark with these links : Youtube: https://www.youtube.com/channel/UC_76SFCClh6GbqLjzFgf8xw LinkedIn: https://www.linkedin.com/in/trentmclark/ Instagram:https://www.instagram.com/leadershipity/?hl=en Fb Page: https://www.facebook.com/Leadershipity/?ref=pages_you_manage   Thanks for tuning into today's episode of    Blue Skies & Big Dreams with Shanna Dickerson with Coach Trent Clark. If you enjoyed this episode, subscribe to the show and leave us a review. .  

Business guru John Maxwell once said, "Everything rises and falls on leadership."It is safe to say a major reason why Sarasota Memorial Health Care Systems (SMH) keeps rising is its incredible leader who was recently and severely tested via a worldwide pandemic and a Cat-4 hurricane.I'm very pleased to welcome David Verinder, CEO of Sarasota Medical Health Systems (SMHCS).In today's episode, you learn...One thing most people don't know about DavidWhy he chose a career in healthcare administrationHow incredibly difficult it was for him to lead a 9,000-employee healthcare organization during CovidWhat David learned from Hurricane Irma that prepared him and his team for Hurricane Ian... and much much more!Thank you for stopping by today it's my hope you will listen ... learn ... and connect!SMH FACEBOOKSMH TWITTERSMH YOUTUBESMH INSTAGRAMSMH LINKEDIN

It's Tuesday, October 11th, A.D. 2022. This is The Worldview in 5 Minutes heard at www.TheWorldview.com.  I'm Adam McManus. (Adam@TheWorldview.com) By Kevin Swanson Analysis of ministries to the persecuted church According to The Worldview's analysis of the Evangelical Council for Financial Accountability's numbers, Western Christian care agencies for the persecuted church provided 27% more assistance to the suffering body of Christ in 2021 than 2020.   The five largest persecution aid ministries spent a total of $121 million in 2021, up from $96 million in 2020.  Our analysis found Persecution Project, Barnabas Aid, and Open Doors ministries had the lowest ratio of administration and publicity to total expenditures ratio (over three years). Their efficiency with charitable funds ran 9.3%, 10.8%, and 9.7% respectively. Voice of the Martyrs maintained a ratio of administration costs at a ratio of 15.3%, and International Christian Concern maintained a ratio of 16.8%. Open Doors was retaining more of the income, with a 2021 expenditures-to-income ratio of only 65%. And Barnabas Aid indicated the highest need of funds, with an expenditures-to-income ratio of 108%.   You can reference ecfa.org/Members to do your own analysis before funding these ministries.  Jesus said: “Sell your possessions, and give to the needy. Provide yourselves with moneybags that do not grow old, with a treasure in the heavens that does not fail.” (Luke 12:33-34) The financial cost of the hurricanes Although Cornwall Alliance asserts that the incidence of forest fires and hurricanes are not necessarily worse than they have been in other periods of history, property damage does seem to be on the rise. In the providence of God, estimates for damage wrought by Hurricane Ian will total between $41 and $70 billion. The 21st century is shaping up to be hard on the United States. According to our Oceanic and Atmospheric Administration, 2022 will turn out to be the eighth worst hurricane and fire season in recorded history. The fifth worst year was 2020.  The fourth worst year was 2012. The third worst year was 2021. The second worst year was 2005, when Hurricane Katrina hit Louisiana. And the worst natural disaster year was 2017, racking up $366 billion in losses, when American shores were slammed with Hurricane Harvey, Hurricane Irma, and Hurricane Maria.  The total loss of life caused by Hurricane Ian now exceeds 100, making this the deadliest storm hitting America since Hurricane Katrina in 2005, which killed 1,833 people, and Hurricane Agnes in 1972, in which 122 lost their lives. You can help the Hurricane Ian victims here. Samaritan's Purse organized 1,000 people for Operation Clean-up Samaritan's Purse has organized a clean-up operation for Southwestern Florida, reports The Christian Post.  As of Monday, 1,000 volunteers are on the ground. Franklin Graham introduced the campaign, stating that, “Everything we do, we want to do it in the name of Jesus Christ. I want people to know that God loves them. He hasn't forgotten them.”  U.S. stocks crater The U.S. stocks continue to crater. The NASDAQ lost 14% over the last month, and another 6% over the last four days. Since January of this year, the NASDAQ is down 34%, Bitcoin is down 60%, and gold is down 7%. Russian missiles fired on Ukraine The Ukraine war shows no signs of abating. Death rained from the sky as Russian missiles hit cities across Ukraine on Monday, right into the heart of Kyiv, the nation's capital. Russian President Vladimir Putin said the strikes were a consequence for the Ukrainian strike on a Russian bridge over the weekend. The U.S. has poised itself as a significant player in the Russian-Ukrainian conflict, as the President approved another $12.3 billion of military aid to the conflict a week ago. This is in addition to $15.2 billion appropriated so far this year.  The European Union has provided about $2.5 billion to the Ukraine war. The EU and U.S. contributions to the war is about twice the Ukrainian military budget.  Communist Cuba greenlights homosexual faux marriage Communist Cuba has voted to legitimize homosexual faux marriage.   Two-thirds of the nation showed up at the polls to approve a government-endorsed policy to allow surrogate pregnancies and unnatural sexual relationships.   This comes exactly 100 years after the Bolsheviks were the first in the modern world to approve of homosexuality, with a revision of the criminal code in 1922. Skyrocketing elder fraud And finally, elder fraud is on the rise.   The FBI reports a four-fold increase over 2017. Now, our elderly are scammed out of $1.7 billion per year. The most common scams are government impersonation (including IRS and Social Security scams), sweepstakes scams, robocalls featuring the question, “Can you hear me?, and the Grandparent scam, in which the voice begins with “Hi, Grandma, do you know who this is?” It usually involves a plea for overdue rent, car repairs, or jail bonds. God's Word reminds us this day: 'You shall rise before the gray-headed and honor the presence of an old man, and fear your God: I am the Lord.” (Leviticus 19:32) Close And that's The Worldview in 5 Minutes on this Tuesday, October 11th, in the year of our Lord 2022. Subscribe by iTunes or email to our unique Christian newscast at www.TheWorldview.com. Or get the Generations app through Google Play or The App Store. I'm Adam McManus (Adam@TheWorldview.com). Seize the day for Jesus Christ. Print story The Faith of Elvis Elvis Presley's stepbrother, Billy Stanley, has just released a memoir, entitled “The Faith of Elvis: The Story only a Brother Can Tell.”   The author told The Christian Post that he is convinced Elvis was a Christian. “He constantly read the Bible. This guy read it every day of his life. He was always in the Bible.” Billy recalls the last conversation he had with Elvis two days before he died on August 14th, 1977. Elvis asked Billy if he believed that "God forgives you for all your sins?” Billy responded, “Yes he did.” Presley replied, "Good, I just wanted to hear you say that." Elvis Presley's life has been well documented for various scandals relating to drugs and breaking the seventh commandment, “You shall not commit adultery,” in Exodus 20:14. God is the Judge, and the Redeemer of His people.

In episode 172, Judge Alice Hill from the Council on Foreign Relations returns to the podcast! Alice discusses the recent floods in Pakistan and how the aftermath could be a national security threat. We also discuss Puerto Rico and Hurricane Irma and the challenges of getting on the ground resilience funding on the island. Alice and I discuss how bureaucracies can have difficulty supporting adaptation planning and funding and why a National Adaptation Plan would help with adaptation coordination. Alice also shares the lack of basic climate understanding among corporate leaders and how that inhibits making resilience a priority in the private sector. We also dig into the recommendations of the recently released GAO report, Climate Change: Enhancing Federal Resilience. Always great to catch up with Alice Hill! Topics covered: The flooding in Pakistan and the National Security Implications of the aftermath. Hurricane Fiona and Puerto Rico. The challenges for FEMA to distribute funding. Bureaucratic hurdles to effective climate adaptation. Why a National Adaptation Plan is absolutely needed. The Government Accountability Office report on Climate Resilience The controversy at the World Bank. The systematic lack of climate change knowledge in corporate leadership. Subscribe to the America Adapts newsletter here. Battelle Information Innovations in Climate Resilience Conference https://www.battelle.org/conferences/conference-on-innovations-in-climate-resilience General email is climateconf@battelle.org Media inquiry contact is TR Massey masseytr@battelle.org ICR23 Call for Abstracts: Download here ICR22 On-Demand: Access all proceedings, presentations, videos, and photos here Donate to America Adapts Listen to America Adapts on your favorite app here! Facebook, Linkedin and Twitter: https://www.facebook.com/americaadapts/ @usaadapts https://www.linkedin.com/in/doug-parsons-america-adapts/ https://twitter.com/Alice_C_Hill https://www.linkedin.com/in/alicehillresilience/ Donate to America Adapts Follow on Apple Podcasts Follow on Android Doug Parsons and Speaking Opportunities: If you are interested in having Doug speak at corporate and conference events, sharing his unique, expert perspective on adaptation in an entertaining and informative way, more information can be found here! Now on Spotify! List of Previous Guests on America Adapts Follow/listen to podcast on Apple Podcasts. Donate to America Adapts, we are now a tax deductible charitable organization! Links in episode: https://www.gao.gov/products/gao-22-106061 https://www.cfr.org/expert/alice-c-hill GAO Report:  Climate Change: Enhancing Federal Resilience https://www.gao.gov/products/gao-22-106061 Federal Reserve Bank of San Francisco Strategies to Address Climate Change Risk in Low- and Moderate-income Communities - Volume 14, Issue 1 https://www.frbsf.org/community-development/publications/community-development-investment-review/2019/october/strategies-to-address-climate-change-low-moderate-income-communities/ Podcasts in the Classroom – Discussion guides now available for the latest episode of America Adapts. These guides can be used by educators at all levels. Check them out here! The 10 Best Sustainability Podcasts for Environmental Business Leadershttps://us.anteagroup.com/news-events/blog/10-best-sustainability-podcasts-environmental-business-leaders The best climate change podcasts on The Climate Advisor http://theclimateadvisor.com/the-best-climate-change-podcasts/ 7 podcasts to learn more about climate change and how to fight it https://kinder.world/articles/you/7-podcasts-to-learn-more-about-climate-change-and-how-to-fight-it-19813 Directions on how to listen to America Adapts on Amazon Alexa https://youtu.be/949R8CRpUYU America Adapts also has its own app for your listening pleasure!  Just visit the App store on Apple or Google Play on Android and search “America Adapts.” Join the climate change adaptation movement by supporting America Adapts!  Please consider supporting this podcast by donating through America Adapts fiscal sponsor, the Social Good Fund. All donations are now tax deductible! For more information on this podcast, visit the website at http://www.americaadapts.org and don't forget to subscribe to this podcast on Apple Podcasts.   Podcast Music produce by Richard Haitz Productions Write a review on Apple Podcasts ! America Adapts on Facebook!   Join the America Adapts Facebook Community Group. Check us out, we're also on YouTube! Executive Producer Dr. Jesse Keenan Subscribe to America Adapts on Apple Podcasts Doug can be contacted at americaadapts @ g mail . com

This week, Brittney raises awareness on Hurricane Ian. After a long week of worry, Hurricane Ian hit Southwest Florida. Brittney talks about how devastating it was to be away from her hometown during this time and how worry-some Tampa Bay was for this storm. She reflects on Hurricane Irma in 2017 and talks about how to help those effected. Donate at: https://www.redcross.org/donate/hurricane-ian-donations.html/?cid=fy23hurian&med=cpc&source=google&scode=RSG00000E017&gclid=CjwKCAjw7eSZBhB8EiwA60kCWyReGQj0Z8WLeFsQwUfLvoaLkVHp1zklTAiEIutLhm1maZ01YDYpABoCr2MQAvD_BwE&gclsrc=aw.ds

Strange how much this podcast parallels this week's events...and how little I learned from my experience. RSVP to the Zoom Party Reserve your spot for the Season 2 Party at HowNotToSail.com/party Join the Patreon Crew before the Boat Show (and the Zoom Party) for More Perks! Yes, you can join the Patreon crew and help keep How Not To Sail afloat (plus get way cool perks) for as little as $3 a month. And right now is a great time to join, what with the meetup in Annapolis and the VIP Pre-Party with Capt. Bob Bitchin before the Zoom party. Welcome aboard! HowNotToSail.com/Patreon Music Special thanks to Lobo Loco and these talented creatives…! Lobo Loco's music appears regularly in my Dad's podcast. Calm Under Joekull- B (ID 685) Lobo Loco – www.musikbrause.de Creative Commons License (BY-NC-ND 4.0) Unity Kevin McCleod Creative Commons License (BY 4.0) Shiny Podington Bear Creative Commons License (BY-NC 4.0) Beneath Dark Clouds The Pangolins Creative Commons License (BY-SA 4.0) Groove Drum & Bass, via Audio Jungle