37 Burst results for "Insurance Companies"
Mark Meadows Speaks with Reporters
"Today outside the White House chief of staff Mark Meadows spoke to reporters for a little over 10 minutes on issues, including the replacing Ruth Bader Ginsburg on the U. S. Supreme Court. The president said he needs nine Justice Supreme Court election challenge because he asked me of potential nominees how they will vote. No, he hasn't. Actually I've been in those interviews and I could tell you it would be inappropriate for us Ask those kinds of questions. I think his comments were more just an indication that we need a a full panel on the Supreme Court. You don't want to ever provide a a situation where there could be Tie a 44 ty not to suggest that this should be a 44 tie. I think it should be more of a unanimous decision on some of the facts that I have seen. But obviously I'm not a justice. They would have to hear That case would be highly inappropriate. We wouldn't want to ask a question that would perhaps for some potential nominee to recuse themselves. Should they have to hear this waste but with him out there, saying he needs to have this justice because there might be a challenge. That create bags of a conflict of interest for whoever you well, I know no more than any other judge that has been nominated by Donald Trump or Barack Obama or anybody else. I mean to suggest that just because they were nominated by somebody that they would have an inherent bias, I think we've seen from the court rulings already by the Supreme Court. They're an independent body, and they don't necessarily vote the way that you might think they should. I can tell you that That particular issue is eyes, Probably the least of potential nominees. Worries that it makes you effective profits were kind of expecting a second question. The president will have confidence. I can't speak to the second question in terms of the confidence in director Ray, I can tell you that I was Very, very disappointed to see some of the text messages and emails that came out yesterday. And some of the discovery that was put for from my previous job is a member of Congress. I know that I've asked for exactly those kinds of documents and never got them on that was under the previous director and also under this director on so it is time for direct array to quit in my mind playing footsie with transparency and Deliver those documents. The second part of your question was more that I think. Well, I think if past is prologue, I mean, we've got all kinds of indications that the Democrats are. We're going to use the next 30 days to try Tio shame. Whatever nominee we put four for their faith for their record for who they are, and Troubling. I mean, we've got it. We see even today that way don't have AH continuing resolution passed because Chuck Schumer is playing games with procedural aspect based on a potential nominee. We took down a election security hearing today because Chuck Schumer's playing games that's minor. That's that's child's play compared to what we will see over the next 30 days, But we're prepared for the fight. What we will see is, I think Be thorough Vetting but hopefully done in expeditious way way. I didn't say it was Judge Merrick Isa. Good leading question. You can say that the president's confidence in director, I haven't talked to him about it. Well, I can tell you that we have a number of people that continue to serve at the pleasure of the president that he has different degrees of confidence in on DSo Tio directly speak to that question. Without actually talking to him would be inappropriate about healthcare. Big announcement guys today the president wanted to executive orders now the U. S government policy that preexisting conditions should be protected. Forced the affordable care act right now is that five lost? What are Americans make policy of already existing protection? Well, Peter, you as you know, there's a court case going through as it relates to the affordable care act and what the president Wanted to make sure I was clear not once not twice. But now a third time in signing that executive order is to make sure that preexisting conditions are covered that insurance companies can price people out of their coverage just because of the illness that they have or could have come down with, And it was just a commitment and say that if the court strike that down any future legislation under a Trump administration would guarantee that preexisting conditions are covered. And so From his perspective, It's just trying to make sure that the message is clear. He's been very clear in the Oval Office, You know, Sometimes the campaign rhetoric in the ads that get place do not match the private conversations in the Oval. White House chief of staff Mark Meadows outside the White House earlier today. Scepticism of some because obviously the president president for four years, But they say that it's that they should be protected his only a policy. It's not along. We've never seen a plan. Peter, this is not your first rodeo. And you know how Congress has the inordinate and unbelievable ability to obstruct, especially when you have a divided Congress. I don't know of a single Democrat that would be willing to take down on Obama care piece of legislation haven't served in the car. It's almost like they're Holy grail. Now they'll admit there's all kinds of flaws and all kinds of problems with it that they won't fix, but they won't repeal it. And so it's all about making sure that the message to the American people gets covered. One of the interesting things that no one seems to be picking up on too much. Well, is the $200 copay that's actually is going it is coming from the savings from the executive order on most favored nation big farmer would push back on that. Pushback on that, But we're going to be able to save tens of billions of dollars were actually going to use a demo. Ah, demo for to be Medicaid CMS demo project that will actually allow us to use about $7 billion to pay for those. But those will be offset with savings from from Pharma as we enacted most favorite nation, money way have we have a 10 year? Window on that for those savings, and we're actually working on those final rules. Those proposed rules now to put forth But just like the Obama administration used the same program in the previous administration were going to use it now to make sure that seniors get the benefit of those savings today and that they don't have to wait for those you already prepping initial Supreme Court nominee for confirmation questions and Wilder wise guy sort of Urfa. Person around Capitol Hill with numbers on DSO in terms of prepping any particular nominee that we have. No, we have not started prepping those. We won't until the nomination is full on I see me mean by wise guy could be wise guy or a gal, a cz, a Sherpa, and so as we wait guys in a plural and generic sense I would have seen on so as we look at that. I don't know that we'll be using Sherpa as much we've been working with leader McConnell, in a very direct way of had daily conversations would leader McConnell a number of senators because of covert and the inability of senators to actually engage more on a office by office faces? We're looking at modifying that if there is a need for a Sherpa, we've actually have asked the leader for some recommendations. There were certainly open to that. But I think next week what you'll see Is Patsy polonium myself, making sure that we make the nominee available to a wide variety of senators. Political question. You aware that Amy Kony's merit worked on foot vs board and you know what was her role? Apparently, she was in Florida working for Stuart Levey. According to her question. Yeah, I I'm certainly aware of every nominees record, whether it's Amy Comey, Barrett or anybody else. I can't say I don't think that this is a hanging Chad problem. This's more a mail in ballot. Unsolicited mail in ballot with delays in collection of those ballot issue. Hopefully, we're not gonna have a hanging Chad problem when my last question was president, felling three of your quote, By the way, I think you owe guide okay. Yeah, that sounds like a good stand. Wise wise guys. Okay, campaign. Apparently, the RNC are telling Republican voters essentially that they need To vote absentee necessary. Isn't that sort of out of line with the president's message going to be male in front? And I mean, I think absentee ballots if they've got a normal process, perhaps auntie ballots like we had in North Carolina. I don't know that that process is one that is new or different. I can't speak to every state. All I can speak to is North Carolina, but but I can't. Say you that solicited ballads with absentee requests or certainly something that has been the norm eyes the unsolicited ballots mailing to ever registered voter that he has a bigger problem with and that most Americans should have a problem with that theory is she's been radio programming from Friday. Well, I don't know That's how I'm basing the acceptance. Of the election here is a valid point here is what we want to make. Sure of is that laws are not changed by a few judges making it like in North Carolina consent decree. Don't change the laws that are on the books just so that you can extend the election time. Most states, North Carolina and others have a very long time for them to be able to cast their ballots either in person or by mail leading up to November. 3rd s O to suggest that we should have November 3rd. It's a week plus two weeks like has been mentioned in some states is not. There is not something that I think is necessary. The other is is when you have secretaries of states in a partisan manner, potentially certifying election results. We want to make sure that they do this on on away that's credible and they can with stand the scrutiny of of the public eye on allow a partisan process to get in. I don't know if you're following what's happened. In North Carolina. But it's very troubling where you have a a Democrat group, filing suit against a Democrat, Board of elections and then doing a consent decree. That's not what the American judicial system is all about. It's in my opinion gaming the system. Hopefully, that judge will not go ahead with that consent decree but is very problematic and it disenfranchises voters whether they're Republican, unaffiliated or Democrat. We want to make sure every vote counts. But We want to make sure that on ly one vote count ceremony, I I'm I'm assuming that we were invited. I don't know about the best. You know the invite list. Obviously, yesterday we wanted to make sure before he left town. He paid respects and so way actually adjusted his schedule so that he could do that. Yesterday I travelled with him and, as you know, way made that a priority. Thanks, guys. White House Chief of staff Mark Meadows outside the White House this morning,
Fresh update on "insurance companies" discussed on WCBS Programming
"District was 40 blocks of black owned homes and businesses. Today. All that remains is about a half block of stores. Our 40 square blocks. Burnt to the ground. Attorney Demario Solomon Simmons grew up in North Tulsa and filed a lawsuit this month, noting that not one insurance dollar has ever been paid to the black businesses and homeowners. The insurance was not paid out because of the elected officials here in Tulsa in the county. Colin is erroneously and falsely laboring is a race riot. It allowed the insurance companies to get out of pain. No white person in town also has been indicted, charge arrested and to this day no one has pay any restitution. Damages. Nine plaintiffs are part of the civil lawsuit. They include the oldest survivor of the massacre, who is 105 years old descendants of victims and Reverend Turner's Church. Historic Vernon, Amy. There is no specific dollar amount demanded at this time. The lawsuit names the city, the sheriff's Department and Oklahoma National Guard as defendants. Will this community ever recover? For the black community can only recover if there is full compensation and accountability from those who created the harm, and that's what your lawsuit is trying to address. Correct. Absolutely. It comes as community leaders say the city remains divided over race after outcry from the county GOP and the local police union president over a black lives matter mural painted on a street The mural is expected to be removed next month. Reverend Turner praised the lawsuit will make sure justice delayed is not also justice denied..
How to Conduct the Right Sales Conversation
"Tip comes from Scott Roy. Scott is the CEO of Whitman Roy partner. He spent his lifetime building and running large direct sales organizations and co-founded a billion-dollar Nationwide Insurance Company in the US. He's also the co-author of the brand new book decision intelligence selling. Hi my tip for you today is how to create both concern and urgency in your customer to act and to buy from you. If you're a salvage sales person, you've already figured out that you should initiate your sales conversations by focusing on the problems the customer has and not by starting with your Solutions good sales people know this month, but still I see so many of them fail to do it or to do it. Well, so today, I want to cover the key skills around problem definition that drive the pace and the certainty of the sale this month. Ability transforms good sales people into great ones. Generally, there are for sales behaviors. I observed in sales people starting with the least effective in building from there to what I would call a standard the first kind of sales person assumes that they know the problems faced by the customer because they've had some training and their experience with other customers who are in a similar situation. They tend also to assume that the customer is aware of their own problems. And so this salesperson presents the product or service quite quickly and hopes, they spark the customers interest and then that's for the close. It's the most ineffective form of person-to-person selling the second kind of sales person listens to the customers challenges, but only long enough to hear the problem. They can solve then the dive into pitching their solution in trying to persuade the customer to buy this approach has a better chance for connecting the solution to a problem actually felt by the customer, but the check Bizarre that the sale is less certain the customer is going to have more doubts and will take longer than you want because the customer isn't really experiencing a deeper concern or an urgency to buy off. Now the Third Kind of salesperson is actually getting pretty good. They show genuine concern and empathy for the customer and they're actually expressing curiosity in their situation. They own know that listening deeply to the customers problems is primarily for the customers benefit not theirs and it helps the customer to build up their concern about the impact these problems have on them by lingering longer during the problem definition of the sales process. They create more engaged buyers who are attracted by the experience that you're providing them and because of this you'll close more sales, but actually there's a fourth level of selling that is reserved for the truly great ones. They do everything that the third level seller does plus one more thing off. They take the time to help the customer estimate the cost of the problems they have if they are not addressed and solved so they don't tell the customer the cost of their problems. They actually lead them through a brief back-of-the-envelope calculation and come up with an annual or multi-year cost of doing nothing about the problem. Then they asked based on the problems. We've defined a cost you've estimated. Is this a problem worth solving if the number is big enough the customer will proceed with urgency to find a solution and if it's a fit they'll likely by month. So in summary take the time to really listen to your customer Dig deeply into the problems. They have estimate the cost of the problem and ask the critical question. Is this problem serious enough and costly enough that you want to solve it. And if it's a yes then present Your solution to fit the well-defined problem. Now what have led you through today as a brief overview. You have the first two steps of what it's called decision intelligence selling or DQ sales for short just like IQ and EQ are about intellectual and emotional intelligence DQ selling is all about leading buyers through a set of Common Sense steps that help them make Intelligent Decisions. Now, they won't know how to do this. You must lead them through the process step-by-step DQ sellers are committed to help customers make the best possible decision by building their decision intelligence. They do this other customers by exploring for subjects thoroughly. And in this order first, it's the problem second. It's the cost of the problem if it goes unsolved third month. It's the solution to the problem and forth It's the value of the solution you're bringing this framework can be applied to short cycle one call sales all the way up to wage. Complex multi-million deals that require many conversations over a long period of time, but always the four major steps must be covered to greatly increase the customers competition to buy and your chances of making the sale.
Fresh update on "insurance companies" discussed on Flip the Strip
"On a rail. Justin Allgaier is going to move and hand of the park got trouble off turn to its Austin Hill he spends collects the car keeps it rolling in the correct direction. Nobody hits him, but I'm going to guess that's online 18 that will probably necessitate our competition. Caution. I think you're probably right on that call as they come back around. Cindric right now sees the yellow flag and that Completes 19 laps of competition here in Las Vegas. Progressive presents the sounds of the old World Years 2019 and someone is getting up to use the bathroom at the stadium. Scuse me. Excuse me. Sorry. Scuse me. Mind if I just school is by? This has been the sounds of the old world by progressive where drivers Khun still switch and save like it's 2019 today at progressive dot com, Progressive casualty insurance company and affiliates. Paul is a season. That's a little in the middle. That's sort of.
Drug Addiction In America
"Woken to Mentally Yours Metro could ikaes weekly podcast about all things mental health. Today we're talking to Dave. Marlon, he was the CEO of crossroads of Southern Nevada, which was the largest addiction and Rehab Center in the area, the psychotherapist drug and alcohol counselor, and he basically knows everything about addiction and mental health issues in the US and beyond. Making me talking tim today about how the pandemic has been affected addiction issues to get help if you're struggling and how to recognize if you might have a problem with drugs or alcohol. Bruce Dave. Thanks so much for joining us on mental yours and welcome from across the pond. My first question was basically because obviously as I mentioned, we're in London. You're in the US, it such different situation in terms of addiction, mental health, and obviously the pandemic to get started. Could you give kind of a brief overview of the reality of addiction in the US? How serious the problem is that how widespread is a? The Robert Wood Johnson Foundation calls addiction the number one health problem in the US. If we look at the the number of prescription opiates that are consumed in the entire world The United States consumes more than eighty percent of them. We. have. You know we've always had an alcohol problem for a percentage of our population. we we developed enough and phetamine mean and a cocaine problem over the last. Twenty years, and in the last five, six years Oh actually even a little longer. An opiate problem has has become. Our most serious addiction challenge. Kind of the most common addiction issue that you see people coming into your center with. It it's interesting. I've run Iran the largest treatment center in Las. Vegas of. Gene. Years. And now as a private center and they're absolutely opiates or over my last three, four years, they're opiates was the number one drug of choice that clients had presented to solutions recovery without the opiate use disorder their primary. Primary substance. Now I work at an indigent facility in in downtown. Las Vegas where. More than half of our clients are homeless. And what's interesting is with this demographic, there's a much higher methamphetamine use. Would say my number one. Substance of for clients is nothin vitamin with opiates and alcohol running for a close second place. That's really interesting I. Think What was interesting that you said kind of opiates have been coming up over the lost six years because for me, it's felt like the coverage has been really recent like only in the last couple of years, we taught it to the opioid crisis this being a sudden kind of unexpected issue but you're saying it's been building for a long time. It has. Interestingly, fourteen years ago I was running the largest health insurance company in the state. And I remember in my last. My last year or two I remember looking at pharmacy reports and we were all scratching our heads saying what is this Oxycontin and why did it not show up two years ago and now I remember when across the ten million dollar mark at the Insurance Company for monthly use so it really begins began spiking. Thirteen fourteen years ago. It became. Newsworthy in fashionable. Six seven years ago, and now we're a were still squarely in an opiate epidemic.
How 3 Simple Phone Alarms Changed My Health, Wealth, and Relationships with Eric Partaker
"Eric say what's up to fire nation and sure something interesting about yourself that most people don't know aright. Well, yeah. What's up fire nation how excited to be here? This is this is an easy one about ten years ago. I was boarding a return flight to London, and shortly after the cabin doors closed I sent something wasn't right and as the plane descended I had a lot of pressure building in my chest. It soon became pain. Went through the my left arm my whole left arm went completely ice cold by colleague. Next to me he touched my my arm and I remember he said Jesus feels like it's been hanging in a meat locker. Let's Yeah I said too. I said to my I said Lewis. Like something's up man this. This is I'm scared Can You? Can you get some help? And? Louis jumps over runs to a flight attendant. And flight attendant comes overseas on I'm sweating at this point you know feeling really nauseous and she she asks us there's a doctor on board and. at I'm just you know feeling worse and worse doctor comes running over luckily I. Hopefully, there's always a doctor aboard flight nominee knocking lucky. There was one for me he came over. Took my vital signs and he just said immediately he is he said we got to land the plane like a sap i. think he's having a heart attack and when I when I heard those words, you had a heart attack. When you're when you're thirty, five, thousand feet up in the air these are not the words you want to hear. No. You're about as far away from help as you can get and I remember when that plane. On the movies when they talk about something like feeling in an eternity like life is going in slow motion I mean that was exactly what it felt like. Because at the sense, it probably didn't take that long but it felt like forever and I was just terrified on the way down that. My heart was gonNA stop completely I kept having to stop my head like James I'm going to get so close to say the in it's going to be lights out and obviously. I mean, you'd be an absolute magician if you had invited someone to your show who had actually died, right so That wasn't the case we a pain emergency lands. By the way out of a quick side note here I was just too curious to not Google this so. Apparently, it costs about one hundred and fifty thousand dollars to emergency land applying for the airline and I think my ticket costs like one, hundred, fifty bucks. So they did it. They did really poorly with me on that flight man, but you know what I will say to make you feel better if you need it, they likely have insurance for that. So the people who got screwed are the people who should get screwed, which are the insurance companies. Are True. So so plane touches down -mergency response team Russia's on board takes me into a waiting ambulance administered nitrates right away to open up the arteries. And then the ambulance sped off to a local hospital. Did you even know where you are like? Did you even know like what city you're in? No, I had no idea. Yeah. I knew when I got into the ambulance because everyone was speaking trench. Man Because that's the thing about flying over Europe. You're like I I literally have no idea where we're going to descend so that Eric is super interesting my friend I'm gonNA share something else that people don't know about you actually as you might be moving to Puerto Rico at some point in the future the I'll day unconscious. So that'd be super cool as well. So man what a way to kick off this interview of three simple phone alarms that changed Eric's health wealth and relationships, and we already can see that he needed a little change in his health. So talk to us about these three phone alarms that are going to elevate our health work in home fronts. So this is dead simple. And it was driven by that story. I just shared 'cause I have been obsessed with achievement prior to that point for ten years while at Skype Bill we we sold skype to Ebay I two thousand five for about four billion dollars at McKinsey and company. And then a few of my own businesses, but it was like achievement at all costs, right? So including the cost of my health and relationships and And after that, I need any something had to change a new. I needed some some balance and I literally I took my phone one day and I said, okay I'm GONNA put in some alarms and I'm going to label each alarm to reflect what like the best version of me would look like to power the relevant segment of the day and so let me give an example and when you're setting alarm on your phone, for example, if you have, I found, you go into the alarm. And you'll see a section called label and you can actually name the alarm whatever you want, and if you have android, you can go in it's called name you can label it whatever you want so. So for years. Now at six thirty, am the first alarm goes off and it says world fitness champion and I'm not a will fit as champion I never will be but like that's not the point, the point is that for me, that's the phrase that expresses my best on the health front, which is one of the key three areas you get your health, your wealth, or if you want to refer to it as work and your relationships.
Michele Mouton, Queen B of Group B
"Yeah. So today we're discussing Michelle. mouton. A woman. We've this is this the first time we've discussed a woman on the show. This might be the first episode dedicated to a lady. which is a bit embarrassing. I would say so yeah. But no better woman to start off this trend with and Michelle. She is easily one of the best rally drivers ever. She's a beast. So I'm really stoked that we can tell the story even if it took us a little while to get to it, that's on us but but it's interesting because motorsport is really one of the sports where women and men compete against each other as true like she's not the best. Female driver ever. She's one of the best rally drivers at. Yeah. Regardless of gender she's one of the greatest. and honestly like just watching a video of her rally driving makes me sweat. Over, yeah she's like she's the person who when we talk about. Like rally cars now are all-wheel-drive. Wheel drive. But when Audi showed up with quattro and just started smoking everybody that was Michelle. Meantime that was young Mouton Bay. mouton on the track. Yeah I mean. To your point James like drag racing of course is or was kind of dominated by women at one point all the force sisters were just tearing it up. There's really no reason. For it to be separated by gender in in Motor Sport Really of course right now there's the there's the W. series, which is a like a women's open-wheel series. At I think that's more for them to kind of get exposure and it proved themselves in like a formula car but I'm looking forward to seeing some of those drivers come up in the formula. One. Soon hopefully, it would just make it more interesting for crying out loud if nothing else I agree let's get into it a. all right. Let's fired up. All Right Michelle Mouton entered this world on June twenty third nineteen, fifty one in the French Riviera more specifically the idyllic town of grass cross grass Ross. The Idyllic town of Gross France, the perfume capital of the world grassi surrounded by fields of aromatic flowers and home to Francis. Oldest perfumery GALLIMARD. Look I'm friend by far French is the language that I have the hardest time pronouncing both words and names I apologize profusely to anyone with a modicum of sense of how to pronounce stuff I. Think you're doing great. I think I think here like right there. Thank you, Joe, unlike many drivers whose family have a history in the sport returns family made a living growing roses and jasmine for the perfume industry mouton spent her youth skiing doing ballet and excelling in school. But just beyond the flower fields sat the mountain. Stages used for local rallies and wouldn't be long before the engine notes trickling down into the valley beckoned to Michelle mcgann discovered her love of cars at fourteen years old when she would steal her father. Pierre's Citron to seavy and take it out for joyrides. Quote for me at the time a car always meant freedom and independence she said but driving wasn't something she could possibly see a future in it for anyone to envision that path for mere enjoyment to making something your life's purpose but you could argue this especially from. Models for women on the racing stage were few and far between. So after graduating high school Bhutan took up odd jobs working as a ski instructor, a Care Assistant in a home for the disabled and eventually at her father's insurance company until she began studying to be a lawyer but something unexpected would quickly put an end to that career path her entry into a competitive rock and roll dance contest.
My Husband's New Hobby is Harrassing People
"Corona virus arrived in February and my husband retired in May, like the rest of us he is in doing what he planned gone. Ernie thoughts of traveling attending sports events or picking up a job as a substitute teacher I worried at first about what he would do when he retired he doesn't Gulf or fish and has never had hobbies. But I didn't need to worry he's found a new hobby and it's consuming hours of his time. He is now harassing people. The other day he spent an hour on the phone with our Internet provider. He found out he could save twenty dollars a month by cancelling his current contract and starting out as a new customer by the end of their conversation. He had lowered our bill by sixty dollars the day before that, he spent three hours talking to the insurance company. When he got off the phone, he said I got our premiums reduced and there's no copay. Last. Week, we got a check for one hundred and fifty dollars in the mail. What's this check for I ass? That's from the class action suit. He said class action suit. Yeah. That's why I was on the phone. So Long I looked through our records and found out we were eligible for some money. Today I opened an envelope and a fifty dollar check fluttered out. That's a refund for overpaying our dental bill. My husband said I was on the phone with them for three hours I had to speak with four different managers before the agreed it was their mistake. At first I was irritated by his endless hours on the phone. But now I'm enjoying his hobby I like watching checks drift in but even better than a cheque is my brand new stainless steel oven. Yes. You heard me right I I have a brand new stainless steel oven. Are Old of and broke and we have a yearly service contract for appliance repairs. The service company sent out a repairman, but he needed to order a part only the oven was so old the part no longer existed. My husband got out the service contract and read all twenty six pages until he got to the fine print. Do you see this he jabbed a finger at a line of print the size of fire ants. I can't see it even when my glasses on what's it say? I, ask. It says, if can't fix our appliance, they have to buy a new one. I didn't believe even with his success ed acquiring checks that somebody would give us a free appliance. I was wrong. It took him six emails, four phone calls and some texting back and forth. But we finally got to pick out a gleaming new stainless steel oven, several more phone calls and the service company installed it for free. I think you wore them down I said. I thought this was his biggest harassment success story but there's more talked our daughter into buying a service contract with the same company. But when her washing machine broke, the repairman couldn't fix it after a month of going to the LAUNDROMAT and washing clothes outside in a plastic kids swimming pool she called. Dan Do you have any suggestions we've been without a washing machine for a month. Did you read the fine print of your contract? My husband said I think you can get a new washing machine give them a call. She called them but she was too busy to spend hours on the phone and her husband is more like me. He likes the tenacity in the stomach for the necessary blitz Craig phone calls. So my husband went to work only this time it looked as if success would elude him. They sent another repairmen out, but it still doesn't work. Right our daughter complained they said, I'm not eligible for a new one. My husband escalated the situation. He even stayed on the phone when we were taking our walks, you go ahead of me. He said, as soon as we headed down the sidewalk, I've got a manager on the line. This went on for three days and then our daughter called with good news. She had a new washing machine. I can't believe it. She said no washing clothes and the kids poll. Today. My husband is on the phone with the mortgage company. I don't know what they're talking about, but it's a long conversation.
Many Hospitals Charge More Than Twice What Medicare Pays
"And health insurers paying more than twice as much as Medicare does for hospital services that's included in a new report from the Rand Corporation. Showing that businesses and private insurance companies paid hospitals an average of 247% of what Medicare paid between 2016 and 2018. The results of show that access to such information is important for employers to make sure their insurers are negotiating for low and consistent hospital rates. Swedish tech
Apple reveals lower cost watch and updated iPad
"Maybe with the event's title, we should have known it would-be. Short. Tuesday's time flies event flew past at just over one hour, four pieces of hardware, basically, as well as new services and the services bundle we're focusing on hardware today. Surprising, absolutely, no one apple on Tuesday announced apple. Watch series sex running through the hardware. The S six system and package packs a new dual core processor based on the eighth thirteen bionic an iphone eleven it runs twenty percent faster than series five apps launch twenty percent faster. It's the first. Apple. Watch to include the you one ship, an ultra wideband antennas. The series six always on retina display is up to two point five times brighter outdoors than Apple Watch series five. Both the same all day eighteen hour battery life is before and can hit full charge in one point five hours. To features focused on during the devices introduction where the always on all tinder and the blood oxygen sensor. Not sure why always on is important for an intimidator unless you're worried about rock climbing in your sleep Apple says the always on ultimate provides real time elevation all day long by using a new more power efficient, barometric, ultimate her along with GPS and nearby Wi fi networks. This feature allows for the detection of small. Changes above ground level up and down to the measurement of one foot. And can be shown as a new watch face complication or workout metric. More life and death or the blood oxygen sensor and is associated APP. Apple says, series six measures the oxygen saturation of the users blood. So they can better understand their overall fitness and wellness. Oxygen saturation or S P o two represents the percentage of oxygen being carried by red blood cells from the lungs to the rest of the body and indicates how well this oxygenated blood is being delivered throughout the body. And how it works is really cool according to Apple's presentation. The sensors are basically checking the color of the blood as it passes by. That color indicates how oxygenated the blood is, which is free again. Amazing. Speaking of colors for the to apple watches I've owned I've chosen brushed aluminum. It's easy to match with just about anything. But if you have a signature color or don't care about matching or. Planned to have plenty of apple watches on hand to put on your wrist Apple Watch now comes in the couple of colorful colors. For. The first time says apple a new blue color. Silver Space Grey and gold aluminum case options along with the product Red Apple. Watch. With exclusive matching, bright red bands stainless steel models are now available and graphite and an updated classic Yellow Gold Color Apple. Watch edition is available in natural and space black titanium. Series six also says Sayonara to ceramic while apple didn't mention it during the event. A piece from macrumors says, that is no more. As is the way the arrival of new apple watches also meant the arrival of new bands. This time though whole new bands, not just new colors. Sport Band makes way for so loop. No clasp. No buckle. Solo Lupus a continuous end stretchable ban design that says comes into materials, soft silicone and braided yarn. Nine sizes for those. Apples supposed to have a size guide on its site. Checking Apple side it looks like Sport Band is just making room not seeding the field. Both sport? Band and Solo loop available to order as of now, there's also said to be a first of its kind leather link that wraps around the rest held in place with flexible molded magnets. Nikewatch gets everything we've talked about already plus a new Nike face and new colors for the Nike Sport Band and Nike Sport Loop. Same goes for Apple Watch air MAS- as far as improvements the hardware it's stainless steel cases come and silver or space black paired with single or Dubna, tour styles and an assortment of vibrant new colors. Now about the only thing predictions got wrong for Apple Watch as E was its name. leakers had thought that that was shorthand that it'd be called something simple like apple. Watch. Apple Watch S E is the budget chronometers name. Well mid range chronometer Apple Watch series three is the true budget model still out there selling for one hundred, ninety, nine bucks. An apples press release apple CEO Jeff Williams was quoted as saying Apple Watch S E combines elements of the series six design with the most essential features of Apple Watch, all at a more affordable price. No Blood Oxygen Sensor and no, always on display. It does sport the always on all temperature though because apple is taking this sleep climbing thing seriously. Looking at the hardware sports the same size displays as the Apple Watch series five. The S., five system and package and dual core processor deliver performance that's up to two times faster than the Apple Watch series three. The S. E. Packs the fives haptic feedback for the digital crown, and that speaks and here's what the latest speaker and microphone in the watch line. Apple says, watch as e features the same accelerometer gyroscope. altimeter as Apple Watch series six and with the latest motion centers and microphone. It offers robust health and safety capabilities including fall detection emergency, SOS, International Emergency, calling, and the noise. APP. Now, if you decide, the six time is the charm that you're finally ready to buy Apple Watch. The one you buy probably won't have a charger in the box Lisa Jackson vp of environment policy and social initiatives at apple appeared during Tuesday's event extolling the environmental virtues of apples timekeeper. Sometimes. Jackson said it's not what we make but what we don't make that counts. That he's from seeing that says that when she said that apple won't be including USB adapters with this week's watches. As putting them free in the box consumes resources and adds to apple's carbon footprint. Interestingly, people who can afford to buy a charger without giving it a thought. Won't have to do so. A separate piece on chargers Napa Watch from apple insiders as apple, watch, addition, and Apple Watch. Will include a five watt power adopter. Bloomberg's Mark Gherman Kinda cried foul over that on twitter. Quoting his tweet looks like the Apple Watch titanium and Armez model still have the power adapter. So the more expensive versions keep it. makes it seem like it's less of an environmental thing and more cost driven? I can get thinking that as an immediate reaction. Here's the thing though you gotta figure apple sells at a minimum hundreds of entry level apple watches for every single edition or. Sold. Probably thousands. So even though it looks like catering to the wealthy and yeah, there may be a bit of that. Even though it looks like catering to the wealthy dropping chargers, millions of people probably don't need. Might make an environmental difference. No I saw way more than one piece saying not including chargers with Apple Watch is just the beginning. While, it has been rumored that the next round of iphones will also arrived without a charger. Apple doesn't seem to a pulled the chargers from the ipads that are also coming out this week. We'll get to those in a bit. Want to get an Apple Watch for your kid but not give them an iphone worried that mom or dad may have a slip and fall or ended up seriously directionally challenged apple has a plan to watch the whole family. Selling points as far as apple's concerned with family setup, you can stay connected with family members without an iphone from making and receiving phone and facetime audio calls to sending and receiving messages and emails, and even connecting with other Apple Watch wearers over walkie talkie. Parents have the ability to approve all contacts. So kids can safely use the communication features of Apple Watch, according to the company. The activity rings experience has been optimized for kids according to Apple. Emergency SOS is being pushes the benefit though. Apple Watch already does that. And finally school time and downtime or front and Center for children while optimizations focused on health for older relatives take precedence at the other end of the spectrum. Now the news that will make family setup less useful for many. It requires cellular models, of Apple, watch series four or later or Apple Watch S E running watch os seven paired with iphone six s or later running IOS fourteen. Apple also said that kids and older family members of the household using family set up, we'll have their own phone number through a separate cellular plan. So, while you don't need to get GRANDPA and the kids their own phones, each cellular watch will come with a tone cellular plan and. Associated Bill. Family setup goes live today and so by the way does watch Os Savon. that. was kind of surprise more on that a bit later. With such an emphasis on the health, it's not overly surprising that the new Apple Watch Slash Watch Os Combo brings a few new health studies. macrumors runs those down starting with an asthma study being run in conjunction with the Insurance Company Anthem and the University of California, Irvine. Second the peace says Apple has tied up with university health network and the University of Toronto to learn more about how Apple Watch metrics including blood oxygen can be used to manage heart failure. Finally macrumors says apple is partnering with investors at the Seattle, flew study at faculty at the University of Washington School of Medicine to explore how changes in blood oxygen and heart rate can be early signals the onset of influenza and Kobe nineteen. The watches by the way are ready to order now. Those opened on. Tuesday, they'll ship on Friday in the US Puerto Rico twenty seven other countries and regions. Apple Watch series starts at three, hundred, ninety, nine dollars adding cellular adds another hundred. Bucks. Same goes for the Apple Watch Nike and Apple Watch Air Mas- that the prices run higher on the AMAS models. The new bands are also available to now they too will ship on. Friday the eighteenth of September. Though only in the US and fourteen other countries and regions. Porters are also underway for Apple Watch as E. It's got a starting price to seventy nine dollars. Interestingly, adding cellular to that one only adds fifty bucks raising the price to three twenty nine. It also ships this Friday and the US Puerto Rico And twenty seven other countries and
Insurance - burst 08
"It may be a lump psalm say like three million dollars but they then they can put that aside and have money to do things like pay off the house pay off some debt have money to live on for a while until they get. You know wife goes to work or you know something happens life goes on. So that's. Got Term Life Insurance, which is for a set period of time at the cheapest way to go says here in my article that it's usually for ten twenty, twenty, five or thirty years when the term runs out to coverage expires. Always thought term life insurance was year to year. You can get a year policy and every year goes up a little bit again, the younger you are the less it's GonNa beat. Then you have whole life insurance. Let can last for the rest of your life and it's also has a death benefit and their what happens with whole life is has a death benefit you pay more in for whole life. It's invest it over time you build up a cash value. and. Then this cast value can borrow against and then repay if you want don't really necessarily have to, and then when you pass away is got a set amount of death benefit or when you don't pass away and you have enough value in there, you start at say when you're twenty five years old when you're sixty five, you can roll it over in some type of nudity and get a monthly payment out of it. That's what a whole life insurance. It's generally a whole lot more expensive than term insurance. So if you just look and. To replace your income upon death then term insurance is the way to go. If you're looking, they used the insurance company to help you in your retirement years. You're not really plan on dying into young, which is an unknown. Then the whole wife may be away that go and this is where your insurance agent can help you identify those. You just gotTa, do your research before you buy it and know what you're getting into before you buy any type of life insurance and they have life insurance for your children for your spouse for everybody for every reason. And then we have disability insurance which I had that when I was south employed when yourself employ. And your income is depending on you doing all the work. And if you're unable to go to work in, then you have zero income, you would need a disability insurance that kicks in after a period of time you have short-term disability and make kick in after two weeks or three weeks, and you have long term disability that kicks in after six months.
California Legislature Passes Mental Health Parity Law
"Federal and state laws require insurance companies to cover mental health Justus they would medical care but actually getting insurance for mental health treatment can be tricky. In California, the Legislature is trying to make that promise riel yesterday it past one of the country's strictest mental health parity laws as NPR's Yuki Noguchi reports. When Monica Vera Schubert son Bobby, injured his knee a decade ago, she monitored his painkiller prescription until it ran out. That's where all of a sudden his behavior started changing to the point that he was no longer a friendly, happy go Lucky kid. He raided his grand prize medicine cabinet and sold off his mother's jewellery to feed is growing addiction. Where Vera Schubert lives in Burbank, California, state and federal law already require insurance companies to cover mental health as they do medical care. But she says she encountered multiple hurdles once her insurance pre authorized her son for inpatient rehab. But when he showed up, they couldn't get the insurance to coordinate with them. So my son walked. He walked home to his grandparent's house, and he goes, I'm never going back there again. She ran into other roadblocks as well. Long waiting periods requirements. He tests positive for drugs. Paying out of pocket would've cost nearly $50,000 for a single month felt terrible, overwhelming, so overwhelming that how many times was it fate for certain Bobby eventually received treatment and entered recovery.
Major Real Estate Website Now Shows Flood Risk
"D. Y. E. N., dot com slash NPR to learn more many people who lose their homes wildfires or in hurricanes did not know they were in harm's way. You can understand that this might happen. You know that the houses near the words or near the. Coast, but you don't quite realize the risk don't quite realize the extent of the danger. One major real estate site is now showing a homes flood risk along with photos of the kitchen and living room so that people will know this is one way that climate change has become a more direct part of home-buying. A long-term decision that a lot of people make our reporting from NPR's climate team starts with NPR's Rebecca Hersher. It's obvious to a lot of Americans that climate change means more flooding more than a thousand homes and businesses are flooded in the Jackson Mississippi Southern Louisiana Sixty thousand homes north. West of Omaha is still dealing with the math more than four hundred homeowners. Even, though government flood maps have been around since the seventies, there was no mention of flooding on real estate websites until today Leslie Jordan is a vice president of the website realtor dot com, which lists more than one hundred, ten, million homes. Flooding is the most common costly natural disaster in the US. So realtor DOT COM has added flood information to every listing Jordan says that's thanks in part to a new privately funded fled information project called flood factor. Matt E B. is one of the CO founders of. Flood factor which rates houses on a scale from one to ten. So if it's very likely a very deep flood, you'll get a flood factor of ten for that property. If it's very unlikely, then it'll be a flood factor one, the ratings take into account climate change particularly sea level rise and more extreme rain ev says that kind of Info has actually been out there for years. It's just that regular people haven't had access to it. A. Democratization of this information is the way that we like to think about. It because there are people who already have this information and they're already acting on it people like mortgage insurance companies and large real estate developers, some of which have fought against public flood disclosure laws. So are other real estate sites also going to add this information. Can you say We are hopeful and happy to engage in those conversations with folks and that less than specific answer made my colleague Pr's Climate Team Lauren summer wonder what is going on with the other real estate websites so she called them i. I I asked Zillow if they're thinking about publishing flood, risk their number of challenges with that, and it's something that I think sooner or later would be a great feature to include Jeff. Tucker is an economist at Zillow who has studied how the homes they help sell art risk from climate change hundreds of billions of dollars just tremendous amount of real estate at risk primarily from coastal flooding for instance, Tucker. Says the company has had internal discussions about including flood risk, but they expect pushback from some users the current. May Be very unhappy to have that kind of information surfaced. If they're interested in selling their home, I heard the same thing from Taylor Mar lead economist at red. Fin. Could this actually reduce the value of this existing homeowner and essentially take away a lot of their net worth Marceau's on the buyer side Redfin survey show that three quarters of them. WanNa know about natural disasters before making an offer but he says that Info can't. Crowd out other fell on the website. If we made the whole front page just about flood risk, they might not be as easily able to navigate how long the commute is. For example, Maher says they're looking at testing including flood
How She Crafted a Career Where Passion and Profit Intersect
"Are just it is due time that you are on the gold digger podcast. So welcome to the show I had stop our early intro chatting because like we need to hit record on this this. So welcome to the PODCAST. So happy to be here. Finally, I I feel like we've been like in each other's DM's just for the last year being when when, when, and honestly there's never been a better time than this. So I am so I like divine. Niagara Oh. Okay. So I wanNa know like, tell me because I actually don't know this about you wear and when did all of this start telling me about the early days of your career before you were consulting for these massive brands and changing the world as we know it, how did this all begin for you? You know like all good stories, it began a little bit by accident I've been an entrepreneur for twenty five years I have never ever worked for anybody else. We'll wait that's not true. I worked for I worked for Clothing Company for four days. Would it? Out of college but I, I went to college at Penn state I loved feeder and performing. Arts and I thought that you know that's all I wanted to do was perform, write, and produce and direct, and then I got there and liberal arts education blew my mind and I got a degree in women's studies and a degree in classics. So now I have three degrees at gaming to make no money in. At least back then that was the thinking and so honestly, at twenty one years old I I had been so educated at Penn State, but at twenty one I'm out of college now and I take another community college class on grant writing, and this is where it started for me. I started my own company at twenty. One I learned how to write a grant to get money from businesses and my first grant that I got was five thousand. Dollars it was from an insurance company and I wanted to talk about eating disorders and body image and social issues that were affecting women at the time has always been a passion point for me and this company gave me five thousand dollars to produce my plays and take them to school and and that's how I started I literally had no idea how to pay people pay people, eleven, dollars a week because I thought it sounded better than ten. It was crazy back in back in the day like I was just ambitious in Hungary and naive and and committed and I just you know I started this company was twenty one I ran out for six for six years, and then I sold it and kind of came out here to to California trying to find my place in the media landscape and you know I was twenty seven years old landed out here. I didn't know anybody in California I. Didn't know. How I was going to parlay all of this incredible experience. I had on the road talking to students for six years, but then I wanted to move into a completely different medium and I had no training in that I just had a curiosity and that's always been a guiding force for me I love that do that five thousand dollars feel like a million dollars was probably the most essential money you've ever earned while yeah. That time if I could even just place. Our listeners Eric I'm in my mid forties, and so this is a while ago and I paid a hundred and seventy five dollars a month for rent and I you know at the time my first. So I took that five thousand dollars. That's I think why paid everybody like eleven bucks a week for people but like you know like everybody was happy to perform and get paid and and I just stretch that money as much as I could until I learned. that. I could get matching grants and I could fundraise more and so I built that business when I you know even at the time when I sold that business, I was twenty four years twenty, five years old I was making twenty five, thirty, thousand dollars year and I was living high life. I was like paid off my dad and I was living at a time even a little bit beneath my amusement gave me money to save to come out to California but. When you're new at this and I didn't know that I was really an entrepreneur I. didn't call myself that I just was trying to make the most of all this education I had gotten. Yeah. So walk me through what happens. So you get to California you WANNA, enter this media scene. You have these big visions than ideas and what I'm thinking of is nowadays, we can talk about all of these things body image and inclusivity and eating disorders and and it doesn't necessarily feel like a dirty word or something wrong or shameful back then it was very different. So walk me through what happened next yeah I felt very kind. Of alone in out there in my field of choice, you know it was a hybrid of women's issues, social issues self-help empowerment, and I was a young you know as a young woman who was trying to kind of chart my own course, and so I got out to California drove out to that quintessential road trip with friend got out to California and my Geo Prizm stayed at a hotel by the airport the extended stay America I lived there for three months and couldn't find a place to live in La like didn't have a lot of friends out here but I just have always had this dogged determination that's part of. My DNA it's part of my type A personality, and so you know I called everybody I knew I did a lot of cold calling and I did have to factors that I think helped when I got out here when I was in college I did a show for MTV news at the time where I I was able to share some of the work that I was doing on college campuses around sexual assault and sexual harassment and MTV picked up that story. So this summer I graduated I had a lot of press coverage and I had some you know offers to speak places and so I started following that path and. That helped kind of learn how to pitch myself how to talk about myself how to par lay the press that I had into the next opportunity, and so you know when I was out here, I knocked on every door I could, and eventually what I did was I went entered myself into this pitch contest at this big television production conference called Nat P. It's the National Association of television programming exacts and it was like everywhere you went like when you wanted to be Oprah Right Oprah soldier show and everybody's like selling their TV shows into syndication and I signed myself up as a solo person and I bought the wrong badge. Bought a badge that was a promoter like a sponsor bad and so I was asked to come into everybody's sweet and everybody was being so nice to me and I thought Oh my God this is. Like everybody is so welcoming when I realize at the end of the day, they thought I
Rollback of Obama-era transgender health care protections halted
"For the administration's effort to rollback transgender health rights. CBS's Lisa Matteo, just one day before Trump Administration effort to end transgender health protections, was set to take effect. A federal judge in New York makes a move to block it. The rule plan to get rid of protections for them against discrimination by doctors, hospitals and health insurance companies. But the judge said it went against the Supreme Court. Case that outlawed workplace discrimination based on sexual orientation and gender identity. The ruling is only a temporary action while a lawsuit moves forward. Sales are
U.S. Seizes More Than 1 Million Barrels Of Iranian Petroleum From Tankers
"The U. S. Has seized more than a 1,000,000 barrels of Iranian fuel aboard four tankers that we're heading to Venezuela. The Justice Department called it the largest ever seizure of fuel shipments from Iran and said it was because the tankers were in violation of sanctions. The move is part of the Trump administration's campaign of maximum pressure on Iran. NPR's Jackie Northam has been following the story and joins us now. Hi, Jackie. Hi, Sarah. So what can you tell us about what happened with these ships? Right where the seizure of these for Greek own ships happened earlier this week, and the Justice Department says the order to seize and confiscate the cargo was issued by a U. S District court and that the US along with the assistance of foreign Partners confiscated the cargo on board and this was done by a ship to ship transfer of the fuel. You know, it's a little uncertain what type of fuel there talking about. It could be bunker fuel, which is used for heavy machinery, and I like Or just plain old gasoline. Either way, it was bound for Venezuela, and now it's believed to be bound for the U. S. And the Justice Department says the proceeds from its sale will go toward the fund for victims of state sponsored terrorism. And where those four tankers now are. They also on their way to the U. S. Well, it's unclear right now. The four tankers turned off their location. Transponder is more than three months ago, so we don't know where they are. At the moment. If the U. S has the ships they could be brought back here to the U. S and sold at auction. They could have been handed back to the Greek shipowner. We don't know. I talked to a couple of analyst today, including shipping analysts, and this action is really just seen as part of a broader effort by the Trump administration to put pressure on Iran by going after shipping companies. That are carrying Iranian fuel or oil, or even the insurance companies that they use and threatening to sanction them. If they deal with the Iranians, you know. For the past few years, the administration has been heavily sanctioning Iranian in Venezuelan, for that matter, companies and individuals and this is just a different route to apply pressure on the regime. And what is Iran's saying about this? Well. Iran's ambassador to Venezuela rejected the US justification for this seizure and confiscation as fake news, and he called it another lie and psychological warfare by US propaganda machine and said that the tanker's have nothing to do with Iran. The fact is, Iran really needs the money from its oil sales. They've been hit very hard by the Trump administration's maximum pressure campaign, which will sanction any country dealing with Iran. So any sales that it makes have to be kept quiet. And you know, even though this is a seizure of just over a 1,000,000 barrels, it's a shot by the US directly towards Tehran. And we're hearing about the seizure. Just today. After the U. S. Announced it had brokered an agreement between Israel and the United Arab Emirates. They're going to establish full diplomatic relations. That new friendship is seen as being driven by their mutual dislike for Iran. So Iran maybe feeling more isolated. Now, Jackie is Iran expected to retaliate for the seizure of its ships. Battleground, has vowed to resist US attempts to isolated and could certainly see these events as a really challenge and feel it may need to stand up for itself using whatever is available for them to respond. You know it might try to seize vessels of its own if you be called just over a year ago, Iran seized a British oil tanker and it's 23 crew members in the Strait of Hormuz in retaliation for British forces detaining on Iranian tanker in Gibraltar also last year, is believed Iran was using Mine's to attack ships in the Persian Gulf and you know, the U. S says already In the last few days, Iranian forces boarded a ship trying to take the petroleum on board but wasn't successful.
Decentralized Storage: The Final Frontier, w/ Bluzelle CEO & founder, Pavel Bains
"Is Blue Zell and how is it different from other blockchain's? is a decentralized database. It's a delegated pufus state network and what we found was how came about was when we started a couple of years ago, we're doing projects for banks and insurers and trying to do the whole thing of enterprise blockchain and. Try to bring that in and saying, Hey, this is where the space is where it's going, and while we're doing some of those projects. We realized that okay. We do. For example, today attorney management system for three banks in Singapore. Great used know. But then all the data and certain parts of it we had to actually store in a centralized database. Then we had done in other one for insurance. Travel Insurance for one of the bigger insurance companies in Asia and that one same thing wait part of this information and what's happening store and centralised database, and we realize that you're not getting a full decentralized stack. It's only partial, and then you know you start thinking about at that time everybody's trying to figure out the decentralize web all the components we. Realized that our problem been solved if he had a decentralized database behind it. And that's where we kind of. That's where it came from. We dug in more and said, okay, that's you want to complete the entire decentralize staff and that's how he basically came together and said, this is the player. This theory we're GONNA play interesting. So it was when I think of blockchain's generally I, kind of analogize them with a decentralized database. Say That about. Bitcoin. Decentralized Database which holds ledger information. And stuff like that. So. Is it maybe the the design that makes it the design of Blue Zell makes it more just as secure as Bitcoin like first office. Is it just as secure as Bitcoin and you know that kind of thing and is it just faster or is it optimized specially to do a certain purpose that you know maybe bitcoin or a theory cannot? Yeah. So it's a different use case. So when it comes to ledger transactions, you know blockchain's are great for that. Just quick information things like that. But if throwing wheel data, let's say if you're building a financial product, can you need to store user information or building a game like profile sessions inventory management? You can't really put that on the blockchain because one it would be very slow. For all that hard data behind it, and it'd be very expensive I mean look the prices of cerium now. So what you said was who build a decentralized network database descended database with nodes at strictly are for storing data we get that security that one hundred percent up time of availability is there and you get and you can store large amounts of data edit or even. Less than half the price of centralized databases. So it's a different case. So your transactions, definitely, those things at the stadiums create at bitcoin the other blockchain's you keep doing that but the hard data lakeview application and you know, let's say you're using an APP whether it's Base Camp Mail chimp facebook. All data has to sit somewhere behind it and that's you put on. US interesting. So it's almost like Blue Zell would be a direct competitor. to any of those data centers that we would see that are be owned by Amazon web servers. Right or you know we drive past the freeway and we know that there's a big data center over there. Those are centralized and owned by certain companies right? So you're saying. If a group of people all came together to. Contribute their computing power to storing in serving files to anybody who calls it then you'll compensate them or somebody will be compensating them in Blues, L. Tokens. Right. Right. So think of it as AIRBNB. We've just discovered that, hey, there's a lot of people out there with a lot of computer space on on their laptops devices, xboxes that are sometimes most of the time not used right because everything's really run on the cloud. So what we're saying is made just give extra room in your apartment. Extra space on your computer. To, US will manage it and we'll have somebody rented. So
Life insurance companies report losses due to Covid-19
"Companies are reporting losses tied to the many lives lost to Cove in 19. Potential financials. Life insurance business lost $64 million in recent months due to an increasing claims. A G says about 40% of its death claims are coming in five years sooner than it had anticipated.
"insurance companies" Discussed on Animal Radio
"Prize wallet a wallet that the owner didn't even know had been missing. In fact, the puppy brought home the while belonging to Rudy Vonda, and the this Guy Rudy is apparently a sanitation worker. The grow got on the phone and called him and said, hey, we got your wallet. Missing when the guy went to go pick up his wallet, he was figuring needs you like a German shepherd or Labrador you know something that retrieved and didn't expect a little Maltese good story well in the wallet back in the right hands. Christian. Yes. Multi pickpockets that she didn't even know it was missing. Maybe we've been hearing stories today about these opposable thumbs that these dogs seem to be growing perhaps on how what disposable disposable, thumbs not opposable disposable. You're listening to animal radio call the Dream Team now with a free animal radio APP FOR IPHONE and Android. He don't forget you can get your fix of animal radio anytime you want with the animal radio APP for Iphone Android, download it. Now it's made possible by fear free pets taking the pet out of petrified visit them at fear free happy homes DOT com..
"insurance companies" Discussed on Animal Radio
"It's animal radio. Just, a couple of minutes Stanley Korean Dr? Stanley Korean is back gotTA. Love this guy's going to be talking about the black listed breeds. these breeds at our company. Yeah. The insurance companies like raising their premiums. If you have a certain breed, they won't insure you at all or was that an yeah. Well, lack listed. You can't get insurance if you have these type of breeds while our good friends daily Karen will tell us more than just a couple of minutes Tammy. What are you working on in the newsroom there? Well, you know we all worry about what kind of. Get at work you know like health insurance or disability are all that some of the fortune five hundred companies are now offering a different kind of health insurance not for you. But for your pet I love they even pay the premium. So if people are starting to understand how important these pets rt to keep an us all happy and healthy talk to HR. Say, they don't do that. You. Couldn't afford it. Okay. Let's hit the phones. It's all about you right now. Hi Richard. How're you doing? Very. Good. I. Understand you. WanNa Talk to Alan Cable. Adequate is your problem Richard Richard Tell me Your problem I'm here for I. Love You Buddy. Okay Yes I have my mother has a little dog I'm not a little, but it's Nick Foot over the another type I'm not sure which but anyways, you know how you call dogs when they. Do they haven't seen for a while the usually run up to you doug usually does the opposite shies away from you. Just wondering if there's any way to break that does the dog do it to everybody or just you buddy everybody except everybody knows lengthier except your mom and how long has your mom had the dog since a puppy or did she did she rescue it? Landlord even but maybe or months old she richard basically pretty this one's pretty simple. The Dodge just afraid afraid of people and usually that happens when dogs aren't socialized properly during that critical period when they're little puppies. So the dog attempts to flee from people because it's afraid and that's one of the techniques that dogs us when they're afraid they run away. Sometimes they show their teeth or they growl or they become very still and and that's how you know the dogs afraid and to stop a dog from being afraid of people, you basically have to make the dog understand that you know you're no threat and that you're actually a positive thing. So it might be a good idea when you walk in the House. To when the dogs afraid have your mom removed the dog to another place, and then you just sit in a chair and your mom lets the dog out and every time the dog goes a little bit closer to you to investigate your mom goes good dog and gives the dog treat and the dog starts to associate you and other people with treats. Instead. Of being fearful that you're going to do some it's so funny Richard Sometimes people think that dogs have been abused when they're afraid of people but some dogs are just afraid of people that wear hats or people that have beards or people that are women people that are man when I was helping out in Columbus Ohio at the Training Center for the Service dogs one dog failed because he was afraid of the Walmart happy face I mean he passed everything learn how? Yeah. We couldn't walk over. Walmart happy face in the store. He was just fearful of that. Those bring me out too. I got to be real honest with Rice and that's why we're shoppers because the smiley faces isn't that something I mean You just never know what a is going to be afraid of, but you can tell when they are afraid and this dog just sounds like very afraid and fearful. So you Kinda have to slowly be patient with her and get her to the point where she associates people besides your mother with pleasure. I should have said that the male dog and I've actually. Known it for a little while he's always excited to see me what a wag tail it's always decided. But when I that's that's a mistake Richard at it appears to you that the dog is excited to see you. But what what you're really seeing is anxiety and fear a lot of people mistake that for for all the dogs happy just because dog is. Wagging its tail and going Kooky, it doesn't mean they're happy to see you what it actually means. They're afraid of you because you're coming into their, you're coming onto their territory and they're trying to deal with their fear. That's why she turns around and runs away. All right and as soon as I did and it's safe place then it comes over to me. And wants me to pet and all that. But the interests is always run away and then run to a spot and then he's fearful she's fearful and she's trying to protect your mother your mother probably not a strong dominant pack leader and the dog just thinks it has to protect your mom. It's afraid of everybody and then once you sit down, you know and it becomes mellow she can kinda investigate you but she still afraid of you buddy. Okay. That sounds like it is. That's the case. So Thank you much. You just become have your mother becalm act like the dog isn't there just walk in, sit down pay no attention to the dog and when your mom knows, you're coming over the a good idea just to put her in another room so that she can be introduced after your inside the house and that goes for everybody is that the dog in a mom? Yeah. The through running. That's a good question Joey. Thanks for your call Richard. This is cute story comes out of Alaska little seven month old multi puppy owned by Bonnie and Brad growing really likes to retrieve, and in fact, on Monday lady, Bunny came home with an unexpected.
"insurance companies" Discussed on Animal Radio
"One something has already established. We the problem with the Ivermectin therapy is that in should say that there are certain dogs we cannot use this drug. So in the hurting breeds it can have a fatal outcome. So because we have to walk up to a certain Joe's and just monitoring the pets with that we I would have a veterinarian involved. This is not something you want to be doing on your own. And also, just because as I mentioned, we're ignoring the fact that we have a yeast infection or skin infection or we've got a seasonal allergy that's flaring up and you're just keep throwing for maximum at your dog you're not really helping. So as painful as it is this is really a high maintenance type condition that you have to work really closely with your vet on in with the seasonality. One thing you might think about is getting ahead of that if you know what time of the year, this gets worse address that in advance. So maybe we need to look at allergy testing or a hypoallergenic food diet. That might be something we can do to try to better control those factors that are leading to the outbreak so So it's kind of. Go ahead. At this point, a dermatologist. Yeah and if you're in an area there where there's a lot of good. specialty practices. So veterinary dermatologists not a bad idea at all and it's something that if you've gone through your veterinarians treatment regimens and you feel you've done everything, you can in that realm certainly and I'm sure you're veterinarian would have a couple of names in the area that's you can work with. Okay. Okay. Any wreck at any of? SISTER COST I mean, we're sometimes on an average three to four hundred dollars. By the time we're done with trying to deal with this but Is there any low cost places for? You continuous since its high maintenance For, something in the skin realm I don't know that I can advise any resources there. There are some financial assistance programs for pets with diseases that are kind of more life threatening and There are some resources on the website or on. The Internet for that I don't know that for because skin is is more of a chronic disease and it's not immediately threatening. I. Don't know how much they would cover on that. You could certainly investigate it but this is the unfortunate thing. You have a special a kid with a special health condition that is going to be special needs but I would tell you one thing When we do have Democrats might I do try to avoid steroids if we can because it actually can make the mites worse. So if you're dealing with seasonal allergies, really reserve in whole bathroom steroids I, try to look for every on therapy possible because it will make things worse with those Mites. Finally can you be honest for me? Do they not have long life? What shepherds. Well with this condition. As far as it's not something that's immediately life threatening. Now, there are dogs that have some kind of underlying health condition that may be contributing to why they're prone to A. Chronic mite infestation. So some of that type of thing, I'll often run blood work urine test just to see if there's anything else that could be going on if we have any hormone problems that make them prone to this if so you know we can address that but dex itself doesn't necessarily short in the life, but I can tell you financially it can be very taxing for folks with these pets that have chronic frank infestations. Thank you. By this portion of animal ready was underwritten by red. Barn and during these Uncertain Times Red Barn is grateful for the consistent love enjoy our pets bring into our lives. They're also grateful for their all natural long-lasting dog choose. Now diligently working alongside their pet parents, your dog deserves a break in between video chat appearances in Lap City Red Barn choose are the natural way to distract your dog during the day or give their paws a break from typing up emails. Thanks, red, barn. For righty animal radio, you're listening to animal radio call the Dream Team now with the free animal radio APP FOR IPHONE and Android. Yeah puppy pads are convenient but sometimes, really gross. That's why the animal radio. Studio. Stunt. Dog Lady Bug uses the Brilliant Pad, self-cleaning puppy pad we love how it handles number one and number two it seals away. The waste replaces dirty pads for US brilliant pad keeps her home clean and smelling fresh. All we do is replace the role once every few weeks and the process is fast.
World Premier Episode - burst 01
"Hello America. And welcome to the midnight. Patriots involves Spartan and I am flanked by Phoenix, Drip Dick, and mark. We are the midnight patriots and you may be asking yourselves why in the hell are we doing this? Well, got to be honest with you. Everybody has insomnia sucks almost as bad as tyranny that and we have day jobs. So we're GONNA talk in the series about the Constitution the bill of rights politics national current events. WE'RE GONNA call out here anyway guardless of the perceive political flavor using these standards of information logic and a passion for liberty. So that being said, I wanted to read something here real quick on our maiden voyage as sort of a sort of a way to set the standard. This this passage I'm about to read was actually written by. Thomas Paine one of our founders and framers, and regardless of how you see this man and the values that he possessed in that day that this was written this was written about seven months after the excuse me five months after the declaration of independence. So this is a this is a passage from December twenty, third, seventeen, seventy, six many of you have heard the the the line of this but I'm to go a little bit deeper into it, and hopefully this'll give the show some sort of context and and we hope we can earn your support as as time goes on. So this is from December twenty, third seventeen, seventy, six when the When the Revolutionary War was still going on and it says says as follows. These are the Times that try men's souls. Summer soldier in the Sun signed gatriways will in this crisis shrink from the service of their country. But he that stands by it now deserves the love and the thanks of man and woman. Tyranny, like hell, there's not easily conquered. Yet, we have this consolation with us at the heart of the conflict, the more glorious triumphs. What we obtained too cheap. We assume too lightly. It is dearness only that gives every thing. It's value. Heaven knows how to put a proper price on its goods. And it would be strange indeed if so celestial and article as freedom. Should not be highly rated. So those are the kind of the words that I could keep in mind as we go through this in every man here every person associated with this show would definitely be on the flag to make sure that the stretch stay read. So we're GONNA open up tonight and we're going to kind of open up the insanity that we've been seeing around our country regarding corona virus covid nineteen. Now everybody fever mind that none of us are medical professionals and our virologist by any stretch of the imagination where relating experiences and questions nothing that we say should be taken as any sort of diagnostic approach or any sort of Expert opinion. That said yours truly your host here Paul Spartan well, actually come at this from a perspective of being Osha certified in matters of respirators and and breathing protection. the rest of US come at this from from our own particular viewpoints and speculations. So let's just get started off So boys, we got we have. Governors California and Texas walking. Act Actual reopenings and we've got quote unquote more and indecisive confirmations, Cova, spreading but for but amazingly somehow in New York, they're reporting any new deaths or anybody WANNA start with an opinion on that. Honestly. You know I mean there's been some conversation prior to. Between myself and the other members. That's. Something is pulling the strings somewhere. Other than CDC, a hospital staff, surgeon, general things of that nature. Quite honestly, you know whatever it was whatever stream you Asian that recently came out that. Took a Italy Area. Jersey Pennsylvania. Great. Has stated sure. But why is it only California Texas? That more back that we know of your again to the states in the continental United States. Voting populace in those states. So my question now. WHO formed strings? Think. That's the overarching point here is that you know in in my experience not to get too nerdy and go too far down the rabbit hole but the same government that's telling us you know to be afraid and take particular actions like wearing cloth masks. Are the same ones that are telling us that the cloth masks don't work. I can tell you from from Osha Training and ocean certification that airborne pathogens particularly viruses. Are listed in the sub micron rage. Now that sounds that sounds really really you know interesting or maybe even boring but something that has to be realized is that when something is a sub micron particle. It passes right through the we've of a mask. Require its own moisture source. Now. Obviously state standard state standards vary but in the train I've received anything in the sub micron range requires a A. A SELF CONTAINED OXYGEN SOURCE With the use of a mask in that in that particular bio suit I mean if you WanNa, take a look and you think you're safe by wearing a cloth mask look at whatever rally just wears in a lab. When he's working with this type of contagion, it isn't a cloth masks. He wears a moon suit with a separate oxygen supply I mean there seems to be my perception is that the same people that are that are trying to Promote the panic are the ones trying to peddle a secure and make trillions and any thoughts on John? I think they're actually. No I. Think There's definitely you know financial motivation behind. This whether it's big whether it's by hospitals by a parent companies own hospitals. I mean. There's definitely something I think that financially pushes everything I mean between them getting you know a nice. paycheck at for each person, they list with Kobe or each person that unfortunately passes. listed. With Kovin. You, know they get a Giant financial. Yes if you will. Of money which I think pushes ally of these. Claims of more cases rising I mean like we. Previously is if you talk about the fact that of you know there's people around that work in the profession that there are things have been going around that they've sent. You know unused test the places. And they've come back positive when they haven't been used. But who who? Who who is the guy over in Africa, that tested a tested a fruit and a goat. And they both came back. Positive. Does anybody remember that news But you already your point but more to your point I believe the last figure I heard to. Last year I heard from the federal government was somewhere in the area of fifty to eighty five thousand dollars total for the treatment, and if the the particular person passes, the patient passes they get more. Does anybody have any information to dispute that because I think that was the last count that I heard. Be last information that I have. At, least. It's nineteen thousand dollars for a diagnosed case. Thirty eight thousand dollars if they are required hospital say and it goes up exponentially require respirator ICU care. They stay longer than hot. You're in you're out you're gone. So that being said. We all know that it'll supposedly. This bill. Gates himself and his research company. Or the ones that. Found viruses no did all the. Problems. I'm looking for here research. But. My question is if they did all the research, why did they come up with as well or have they? That's a question I posed to you folks. Well, I know they re you know they actually waiting to get ten thousand dollars plus from insurance companies and the federal government per dose mean. There's an argument to be made there. I mean, the guy is not a doctor nor is he of Arale just he just wants to make a make a killing on the here. Now that by the way is not an argument for any sort of socialized medicine. It's an absolute. It's an absolute disgusting power-hungry move at the cost of well forget about just American lives. What about globally, what have what is a million people in the ground now lifted discovered related At least one point three. If I remember correctly I could be wrong. Well, I got the second portion. Really a big to ask now is Bill Gates can't keep a bug out of his own computers what you're GONNA do with the world. Exactly number one key couldn't build a computer didn't crash three times a day for no reason. So why would we trust him with with people's lives? You know I mean he would. There was a there was a tit for tat went back and forth on social media several several years ago when he was still a once he was the kingpin of Microsoft. And he had mentioned something like You know if the auto industry had made many advances in the computer industry over the last twenty years, we'd all be driving cars that got a thousand miles to the gallon and went from zero to one hundred and two seconds to which I believe. It was the CEO at the time of Ford replied. Well. Yeah. But then the cars would crash twice a day for no reason. So. I mean you. Good Cryptic. I was GonNa say, well, then you you look at Osso. When you're talking about these numbers, go into hospitals. How many hospitals or possibly owned by the same parent company that owns the farms that the big farms that are gonna sit there and. Produce this vaccine all the sudden. Or? Not to say that they don't already have it and are just. Still waiting. I mean I know there's always testing and they have to get FDA approval and God knows what else but I mean, what's to say? that. They're not. You know getting twice the paychecks. On. Both things. Oh. Yeah. There's there's no doubt they're doubling down does absolutely no doubt doubling down your that said the other the other things that I've noticed here I don't know if everybody's been keeping up like I have. There's a Lotta unconstitutional shift happening. Okay. And I mean. Just heard I. Heard I. Heard Mark Heard Mark Giggling that that's fine because. The little that they'll get into that in a little bit but also just I wanna take a moment mark You serve this country with honor and distinction for several years in that in the military and I got to thank you for that Phoenix. You did as well and I got to say thank you for that. You protected my right to become a fat video playing hotdog eating copy guzzling douchebag that you see before you now and some of US servicemen appreciate that and Thank you. Appreciate. Bill. Hey they already did. They're called the IRS and believe me they're up my don't shit. I don't know where they I don't know where I ended maybe. It's not. So we've got measured we've got measures being proposed in in in multiple stages. Here is all the way from you know putting additional taxes on firearms to ammunition and then requiring a federal license. To purchase either. we've got the state of California. Who is you know? Well, let's just be honest they're doing what California does. It essentially eliminated their own their own Anti discrimination laws I don't know how that happened Where the hell does anybody see an end game here other than complete and total? Marxist. Shithole. That's where these lefties and I'm not GONNA say Liberals. Anymore. He's people are leftist-marxist pigs and by the way if any of you listening fuck off, don't ever come back. None of us here at. Fourth Yeah. This year at the Midnight Patriots give a flying fuck what you We don't have time to answer your e mails and believe me you're better off just turning off because if you heard that your heads probably. And I don't WanNa hear about it. Okay. You be somewhere else. All right. Man Okay. So we've got all this massive gun control legislation which I'm assuming. That this is going to veto once it hits his desk, roll it into something else and he doesn't see it. I mean. Does anybody else you positive outcome here other than I'll just say it an open civil war. Mean I feel like I feel like patience like like those are the Sierra on the on the on the conference. Are being, backed into a corner. Yeah we're basically damned if we do. We're damned if we don't any anybody want to comment on that. No Matt Aspect. Mark Yeah. Well, the thing is like you hope it doesn't cover some this ridiculous. Of course. By, by thing is I would I guess probably is right now I don't know. Civil. War who against who? In other words, how would how would you distinguish I'll be okay Tepa. Got It the OH black lives matter. Got It. But. How do you distinguish? You gotta be. That's a great question. That's the real. That's a real problem is that we're facing a A faceless boogeyman to keep us all in our homes and isolated from one another. We've got blatant constitutional no violations from New York California including the first second third amendments. Fourth amendment. I mean and they're just they're not apologetic about it. They're just in your face to. Has. Closed Down Churches and locked Rock Jewish people out of their own parts. What's his name from says. Yeah. Is violating blatantly violating the first. Amendment people they can't sing in. Church. Are you kidding me. I mean, I'm not a religious separation of church and state. Well and second of all I mean, how does anybody look at that and not go holy shit let the lawsuits commence. Honestly So, now here's the thing I. WanNa Make It. I WanNa make it very clear for the audience and even those in the group I am not advocating for an open civil war where we start shooting. Okay. I would also like to say here only for myself but I believe that that I do not believe in the Black Lives Organization the Black Lives Matter Organization. I believe in the message black lives matter just as much as every other life and we should all be equal before the law we should be overseas equal treatment especially before the law. But. I'm not going to back a group that is Marxist and comes out and basically says it if you don't give us what we want, we're GONNA burn the system that the ground. I mean all here. Again, I mean if you have said organization that is in fact, baking a threat whether they considered idol. They considered valid. It is still a threat to. The life. Well, exactly how how do we not take that? How do we not take that based on the the instances of the last month? Says we says, we all watched the the horrific murder of a of a citizen by by discussing human being police officer. How do we? How do we not take that as anything other than a threat of actual violence based on recent history? Therein. Lies The question that I would poses that to go along with remarks you know who who exactly is going to do is A. Government. It's a radical leaders. Of States counties, cities, whatever. Or is it going to be people for people? We have. What did you just leave knowing? When you just gotTa love the irony that the Minnesota governor had the balls to ask the white. House for for bailout money after they let their city burn. I, mean, I understand there are citizens that were affected by that. But you know my argument would be well I'll tell you what once you spend the money that you say from you know. From dissolving your police. Believe. Yeah what you spend that money go ahead. Save yourself though you know the. Four hundred million dollars spent annually on your police force. Etc.. And They're not gonNA, pass it out. There's a blank check to the people because well, you know we don't get our tax money that way. Exactly. HAVE YOUR IS A. Stalemate along the lines of. City Minneapolis Saint Paul's which Is Looking for a five hundred dollar bill out the government's GONNA help. They're going to have to get that money somewhere. Well exactly and the question. Phoenix afraid now, but to answer your question or respond to your statement. I believe you said they're not gonNA raise taxes through the roof to do it. Of course, they will. Of course they will in turn. Bring. I. That's. That's a real trick. Isn't is when the IRS gets involved or whatever State Department revenue they have comes and starts locking people up the people sheepishly combine. and. The guy will probably get reelected. Let's be honest. Well you will probably see. You'll probably see something for the cities that were affected by riots and everything put into like a another stimulus bill passed by the house. Like they have added that money there you go to a legal and yeah. And everything else that I wouldn't put it past the House to sit there and add a piece in there that every city that was affected by these riots or has hardships now. Get X. amount of. Millions of dollars as part of this. Bill to. Help, stimulate the economy and the people that actually are affected by all this. That, it should be helping they'll put their. Claws into it and put. Extra things that won't matter, and then it'll sit there and argue back and forth between the House, and the Senate for God knows how long Because they won't budge on wasn't it? Well one thing you have to love about the strategy employed by the Democrats they're gonNA. They're gonNA try to stick it in something that make the president look bad if he vetoes it. Oh. Yeah. It'll be. It'll be some sort of. Bill and he'll have to it, and then they'll scream how he doesn't care about children. Exactly among the media will be all over it. Media will be all over at bashing him. Oh. Yeah. Yeah. The president doesn't care about the future. There for the last four years anyway. Well Yeah they've they've. It's funny. I. Yeah I was GONNA say I. Johnson and Nixon for sure. But you know twenty I hear people talking about Oh. Trump won't accept the results of the twenty twenty election loses you guys still haven't accepted the fact that you're get forty. Or the fact that impeachment failed yeah. Yeah the. Everything else. Rono. Everything else that you've thrown at them hasn't stuck. Exactly this is. This is reality you know this is not theory. All this stuff is happened. You know. I saw something today and I don't remember where it was talking about the reason that you know that. They want to sit there and blame trump for not being ready for this pandemic and everything was because the other half of the fence was sitting there. So busy trying to get him out for the last four years that he couldn't take time to focus. On being prepared for anything like that. The funny part is, is I I'm trying. I'm trying to I'm I don't know about you guys, but I'm tired of hearing how Trump getting the blame for a hundred and thirty thousand body bags. Here this is this is the thing we need to do things. We need to change the story number one it should be only a hundred, thirty, thousand, five bags why? If if anybody recalls I do specifically PURDIS MR TRUMP DONALD TRUMP put a travel ban in effect once we had ten positive cases in this country, the left assailed him for weeks for doing it. Okay. Nancy. Pelosi went to Chinatown encourage people not to wear masks Blah Blah. Xenophobic Racist Blah Blah Blah, pick your s that's yacht called, and now all of a sudden they WANNA blame him for one hundred, thirty, thousand body bags may explain something if he hadn't done what he did when he did, there'd be a million three bodybags. Okay end of discussion this has nothing to do with mass. This is all a political fucking game and and I'm tired of hearing about it. Except from you guys I love your new guys. DOTS. I. Think. Let's just put that on record right now. Yeah you're paid to talk matter of fact, we don't pay you at all. Yes. I think we have a contract we'll get. something. About our bucks and it'll happen advil or something like that. I. Think it was under someone nine. I was a corner of starbucks eight was a quarter of an advil and half starbucks get it straight monthly and you're no. Damage. Send Me. Oreo. Wait a minute. I want kids count. You want to renegotiate. All of your agent moved to Seattle. Yeah exactly somebody please his comments to that brick wall over there. Oh Yeah. Yeah. All right I feel like I've rented enough. Is there anything you gentlemen WANNA cover that I missed? How `bout? Redskins finally caving. By quest over we're going we're going for football. Then we're GONNA touch the Third Rail Ladies and gentlemen he just licked and grabbed it go right ahead phoenix. I did read an article that. There are some and I'm not saying a whole bowl loan. I'm not saying that YOU KNOW ENTIRE PATIENT O. Or and it's hard tribal right that there are in fact, some of the indigenous votes, native Americans. That want keep it because it actually gives them a sense of ownership relevant. We've along on this we have this. We can follow this because that is you know a depiction of our people. What's the Redskins fans great. I have no problem with that if there. was somebody like football but hey, you know I, see it representation in my people here. Thank you. There are well, we don't get me wrong that no, all fuck you and take it other. Cash kind of it's actually kind of funny that you mentioned that being that I'm also for those of us this for those of you just tuning in and getting no us as we get to know you I, am a football nut job I have been since my early days Yes. I was GONNA. Say I think there's actually incriminating proof out there wasn't much of a about football I gotta tell you. My love for the game has often outweighed all of this You know all the polit political bullshit that's going on in the game for quite some time. Get into Kapernick, that's a whole other rent for me that lasts about forty five minutes and maybe we'll do an episode just on that Now, there was always my understanding in watching anything about the Washington redskins and and the history of them that the that the team was supposedly named for one of their assistant coaches who was native American and it was if anybody. I played football I I. I. I know that Phoenix not sure if you did mark You know everybody everybody on the football field to talk shit and especially to your friends okay and Just because you have some sort of negative pejorative is a nickname, doesn't mean that people hate you Okay. So The, the the legend was and I've actually since found out found out, different resin was at the team was named for in honor of one of their beloved assistant coaches. Evidently that's not the case. Racist over racist overtones aside I? Mean we can dissect anything want. Come up with all kinds of. The point being is, why don't we just name? The region Caucasians and everybody'll be happy. Okay I mean. Seriously also living in living in Florida I gotTa tell you the university or she state has a deal to to use the seminole name from the from the seminal nation. They paid them royalties every year, which is why you don't hear this here the Indigenous People screaming about Florida state. Okay. So You know I I don't I don't want to say they haven't been relevant for twenty years. Hey easy. I. Agree I agree too I mean my head. One is, Emma water but. Wait a minute. Wait a minute. Wait a minute mark. Are You All I I. Take over the gators day. Well me too because. No. Fan. You know what you know University of Miami and the Florida. GATOR gator. Yeah. So It's just block. Gives you wondering we all love each other teams until we play each other so that that being said. Does anybody have any idea about the outrage regarding redskins? Honestly. I mean I might just you know that stupid that I don't see the problem with the name it's the name of sports team. Okay. I mean we'RE GONNA change the Cleveland Indians. Are we gonNA change you know aerobics Today. But that's again that's a whole other. That's a whole other thing. But how many? Are they are all the sports teams just to be to be called the daisies and you know we're good to go. Or how about the banana flavor wouldn't? Well, this is like football gets get. Exactly. Yeah. Very wrapped up about injuries and things like that. Like five put flags on. Let's play flag football. But that's really the other thing I mean. You can argue that these guys are being paid wages that are equivalent to see to. Well, okay. hazard pay I mean there's they're making millions and millions of dollars. No offense I, what what what what come? Okay. These these guys mostly have guaranteed contracts. So, you break your leg. You're out of the game you're still getting paid and you should have gotten a degree so you should be able to join the workforce afterwards. Well. Puffing along the line that you know you're getting my mom bought list during my day. Is. Lump everything together all of one. We have you know events that have taken place because of. What took place. In A now it's moved to now we're going to start tearing down statues of anybody that. Could would did whatever. But now okay. Well, we need to keep that ball rolling. So we need this Norfolk Russell. Hey. Let's NFL take. Let's go up for baseball teams. Blackhawks. I love the fact that the blackhawks till they told those guys to stuff it. They're like, no, we're not change Noel. I mean yeah, and also also the the pretty big assumption there is that these people that are tearing down statues have any clue who they are I mean want to remove a statue wondering. I it's like I'll take the consequences of not taking US history for eight hundred Alex. Basically. Look, we get to wipe out four. Daily double. All right. So we'RE GONNA WE'RE GONNA. PULL DOWN WE'RE. GonNa pull out Lincoln and we're GONNA pull down the statue of an abolitionist. Yeah. Let's do that. Oh Yeah. Well, they're not even educated. They're pulling down you know. They're pulling down. Statues of people that fought four slavery. To to abolish slavery, they're pulling down. I mean I saw they ruined the Frederick Douglass. Oh Yeah Yeah Yeah you mean the guy that advised Lincoln on how to actually take slavery down Gee I can't imagine why you hear him down. Clearly again, that's That's World Super Eight Hundred Alex. Exactly exactly no no, it's not world history. It's common core history. That's that's right. And? There is no wrong answer to one plus one. Knew exactly. All right boys I. think that's going to wrap it up for. I. Think that's going to wrap it up this particular episode everybody that joined us. Thank you very much. I appreciate a hope you've You give him a little insight insight. I should say are insanity sure would appreciate your support. So if that support button go at Mash, it down any level would be appreciated We're GONNA have some promos and some gear available for you guys here real soon, and For joining us again I'm supporting. Joined by mark and Phoenix and cryptic, and we are the midnight patriots I guys. Each. Put.
World Premier Episode - burst 01
"Patriots Pau. Spartan here from the Midnight Patriots. So, one of the. Feel about anchored now. When we started this insanity, we always tell people. The reason we do this is because insomnia sucks almost as bad as tyranny. We would have these conversations between ourselves the group chats. Throws and things like that. We thought, Hey, man, you know we should just record a podcast but the more we looked the more expensive became. Get Cross anger. Anger gives you all the tools you need to do this to make your voice heard and get your voice out there. You have an opinion you gotta use anchor everything from recording to editing to distribution that you'd be all the tools that you need. To allow you to record your podcast right for your phone or your computer. Anchor covers distribution by getting on Apple. spotify and many many others I mean how you can make money right from your own podcast with no minimum listenership. It's everything you need in one spot in one place simple and effective. So. Get yourself anchor make voice her. Hello America. And welcome to the midnight. Patriots involves Spartan and I am flanked by Phoenix, Drip Dick, and mark. We are the midnight patriots and you may be asking yourselves why in the hell are we doing this? Well, got to be honest with you. Everybody has insomnia sucks almost as bad as tyranny that and we have day jobs. So we're GONNA talk in the series about the Constitution the bill of rights politics national current events. WE'RE GONNA call out here anyway guardless of the perceive political flavor using these standards of information logic and a passion for liberty. So that being said, I wanted to read something here real quick on our maiden voyage as sort of a sort of a way to set the standard. This this passage I'm about to read was actually written by. Thomas Paine one of our founders and framers, and regardless of how you see this man and the values that he possessed in that day that this was written this was written about seven months after the excuse me five months after the declaration of independence. So this is a this is a passage from December twenty, third, seventeen, seventy, six many of you have heard the the the line of this but I'm to go a little bit deeper into it, and hopefully this'll give the show some sort of context and and we hope we can earn your support as as time goes on. So this is from December twenty, third seventeen, seventy, six when the When the Revolutionary War was still going on and it says says as follows. These are the Times that try men's souls. Summer soldier in the Sun signed gatriways will in this crisis shrink from the service of their country. But he that stands by it now deserves the love and the thanks of man and woman. Tyranny, like hell, there's not easily conquered. Yet, we have this consolation with us at the heart of the conflict, the more glorious triumphs. What we obtained too cheap. We assume too lightly. It is dearness only that gives every thing. It's value. Heaven knows how to put a proper price on its goods. And it would be strange indeed if so celestial and article as freedom. Should not be highly rated. So those are the kind of the words that I could keep in mind as we go through this in every man here every person associated with this show would definitely be on the flag to make sure that the stretch stay read. So we're GONNA open up tonight and we're going to kind of open up the insanity that we've been seeing around our country regarding corona virus covid nineteen. Now everybody fever mind that none of us are medical professionals and our virologist by any stretch of the imagination where relating experiences and questions nothing that we say should be taken as any sort of diagnostic approach or any sort of Expert opinion. That said yours truly your host here Paul Spartan well, actually come at this from a perspective of being Osha certified in matters of respirators and and breathing protection. the rest of US come at this from from our own particular viewpoints and speculations. So let's just get started off So boys, we got we have. Governors California and Texas walking. Act Actual reopenings and we've got quote unquote more and indecisive confirmations, Cova, spreading but for but amazingly somehow in New York, they're reporting any new deaths or anybody WANNA start with an opinion on that. Honestly. You know I mean there's been some conversation prior to. Between myself and the other members. That's. Something is pulling the strings somewhere. Other than CDC, a hospital staff, surgeon, general things of that nature. Quite honestly, you know whatever it was whatever stream you Asian that recently came out that. Took a Italy Area. Jersey Pennsylvania. Great. Has stated sure. But why is it only California Texas? That more back that we know of your again to the states in the continental United States. Voting populace in those states. So my question now. WHO formed strings? Think. That's the overarching point here is that you know in in my experience not to get too nerdy and go too far down the rabbit hole but the same government that's telling us you know to be afraid and take particular actions like wearing cloth masks. Are the same ones that are telling us that the cloth masks don't work. I can tell you from from Osha Training and ocean certification that airborne pathogens particularly viruses. Are listed in the sub micron rage. Now that sounds that sounds really really you know interesting or maybe even boring but something that has to be realized is that when something is a sub micron particle. It passes right through the we've of a mask. Require its own moisture source. Now. Obviously state standard state standards vary but in the train I've received anything in the sub micron range requires a A. A SELF CONTAINED OXYGEN SOURCE With the use of a mask in that in that particular bio suit I mean if you WanNa, take a look and you think you're safe by wearing a cloth mask look at whatever rally just wears in a lab. When he's working with this type of contagion, it isn't a cloth masks. He wears a moon suit with a separate oxygen supply I mean there seems to be my perception is that the same people that are that are trying to Promote the panic are the ones trying to peddle a secure and make trillions and any thoughts on John? I think they're actually. No I. Think There's definitely you know financial motivation behind. This whether it's big whether it's by hospitals by a parent companies own hospitals. I mean. There's definitely something I think that financially pushes everything I mean between them getting you know a nice. paycheck at for each person, they list with Kobe or each person that unfortunately passes. listed. With Kovin. You, know they get a Giant financial. Yes if you will. Of money which I think pushes ally of these. Claims of more cases rising I mean like we. Previously is if you talk about the fact that of you know there's people around that work in the profession that there are things have been going around that they've sent. You know unused test the places. And they've come back positive when they haven't been used. But who who? Who who is the guy over in Africa, that tested a tested a fruit and a goat. And they both came back. Positive. Does anybody remember that news But you already your point but more to your point I believe the last figure I heard to. Last year I heard from the federal government was somewhere in the area of fifty to eighty five thousand dollars total for the treatment, and if the the particular person passes, the patient passes they get more. Does anybody have any information to dispute that because I think that was the last count that I heard. Be last information that I have. At, least. It's nineteen thousand dollars for a diagnosed case. Thirty eight thousand dollars if they are required hospital say and it goes up exponentially require respirator ICU care. They stay longer than hot. You're in you're out you're gone. So that being said. We all know that it'll supposedly. This bill. Gates himself and his research company. Or the ones that. Found viruses no did all the. Problems. I'm looking for here research. But. My question is if they did all the research, why did they come up with as well or have they? That's a question I posed to you folks. Well, I know they re you know they actually waiting to get ten thousand dollars plus from insurance companies and the federal government per dose mean. There's an argument to be made there. I mean, the guy is not a doctor nor is he of Arale just he just wants to make a make a killing on the here. Now that by the way is not an argument for any sort of socialized medicine. It's an absolute. It's an absolute disgusting power-hungry move at the cost of well forget about just American lives. What about globally, what have what is a million people in the ground now lifted discovered related At least one point three. If I remember correctly I could be wrong. Well, I got the second portion. Really a big to ask now is Bill Gates can't keep a bug out of his own computers what you're GONNA do with the world. Exactly number one key couldn't build a computer didn't crash three times a day for no reason. So why would we trust him with with people's lives? You know I mean he would. There was a there was a tit for tat went back and forth on social media several several years ago when he was still a once he was the kingpin of Microsoft. And he had mentioned something like You know if the auto industry had made many advances in the computer industry over the last twenty years, we'd all be driving cars that got a thousand miles to the gallon and went from zero to one hundred and two seconds to which I believe. It was the CEO at the time of Ford replied. Well. Yeah. But then the cars would crash twice a day for no reason. So. I mean you. Good Cryptic. I was GonNa say, well, then you you look at Osso. When you're talking about these numbers, go into hospitals. How many hospitals or possibly owned by the same parent company that owns the farms that the big farms that are gonna sit there and. Produce this vaccine all the sudden. Or? Not to say that they don't already have it and are just. Still waiting. I mean I know there's always testing and they have to get FDA approval and God knows what else but I mean, what's to say? that. They're not. You know getting twice the paychecks. On. Both things. Oh. Yeah. There's there's no doubt they're doubling down does absolutely no doubt doubling down your that said the other the other things that I've noticed here I don't know if everybody's been keeping up like I have. There's a Lotta unconstitutional shift happening. Okay. And I mean. Just heard I. Heard I. Heard Mark Heard Mark Giggling that that's fine because. The little that they'll get into that in a little bit but also just I wanna take a moment mark You serve this country with honor and distinction for several years in that in the military and I got to thank you for that Phoenix. You did as well and I got to say thank you for that. You protected my right to become a fat video playing hotdog eating copy guzzling douchebag that you see before you now and some of US servicemen appreciate that and Thank you. Appreciate. Bill. Hey they already did. They're called the IRS and believe me they're up my don't shit. I don't know where they I don't know where I ended maybe. It's not. So we've got measured we've got measures being proposed in in in multiple stages. Here is all the way from you know putting additional taxes on firearms to ammunition and then requiring a federal license. To purchase either. we've got the state of California. Who is you know? Well, let's just be honest they're doing what California does. It essentially eliminated their own their own Anti discrimination laws I don't know how that happened Where the hell does anybody see an end game here other than complete and total? Marxist. Shithole. That's where these lefties and I'm not GONNA say Liberals. Anymore. He's people are leftist-marxist pigs and by the way if any of you listening fuck off, don't ever come back. None of us here at. Fourth Yeah. This year at the Midnight Patriots give a flying fuck what you We don't have time to answer your e mails and believe me you're better off just turning off because if you heard that your heads probably. And I don't WanNa hear about it. Okay. You be somewhere else. All right. Man Okay. So we've got all this massive gun control legislation which I'm assuming. That this is going to veto once it hits his desk, roll it into something else and he doesn't see it. I mean. Does anybody else you positive outcome here other than
"insurance companies" Discussed on Geek News Central
"Do, protect I do disagree with violence. And some of the other things that have been happening. And but yet. Mrs America. And What we have is a good thing. Now view the country. and. The world is going sideways in. You have a cool one million dollars. Laying aside. If you have an additional twenty five hundred dollars a month in maintenance cost you, too. Can Buy an apartment and had doomsday bunker in Kansas. And actually they're gonNA be building a second one. And The second one will. Be Available sometime next year to start buying so if you want to be go in a luxury nuclear bunker. If you're mega rich, and you want to be buried during the apocalypse. Well. They have got to deal for you. And I'm. Not, GONNA go too deep into this, but there is a great fifteen minute video. That shows his thing. Be Frank with you. These bunkers. Are Awesome. But I would have to examine the engineering. The supplies I'd have to have rest assurances that if I was rich, mega rich, and can afford a million dollars and the twenty five hundred dollars a month upkeep, but if I need to retreat with my family to this thing that the saying what actually hold me for three to five years in case, things really went sideways. What will really happen? It'll be like the you know. It'll be like Zombie apocalypse. What will happen is is that these locations will be sought out and I guarantee you. These people will be dug out. Because? You know they're it unless they have massive security around this thing. You get enough people wanting in. They're gonNA. Get in. With dynamite and explosives, it may take awhile, but they may blow theirselves in so I would want to know how they're going to protect the perimeter. When when the POO hits the fan? Jodi. No, I don't think there'll be a second civil war. I think there's a higher possibility of. the Chinese throwing nuke saddest than that. So No, I don't think there will be a second civil war. Don't think it'll happen. But You know have the country's armed up at this point? People bought guns and ammunition that never bought guns and ammunition before so It'll be if anything ever does happen. That's for sure. But anyway you can see the luxury nuclear bunker, protecting the mega rich from the apocalypse. Now the key is can they get their? When their flag goes up, can they actually get to the bunker if they're in New York City or some other place? They got across the country to get to this thing, so the key is. They got to get there early. Enough to get in it before the flag goes up right. It's it's it's. It's not worth having a bunker. If you can't get to it, you know if the roads are congested. If there's riots, there's civil. You GotTa get from Your House to this thing. And they don't talk about well I'm sure they have. Contingencies were of these mega rich can fly their jetson to potentially. But yeah. You gotTA. You gotta be able to get to the saying to use it. The cash your chips in your investment. Now Elon Musk. He's having a little fun over the weekend. He reveal the sixty nine dollars and forty two cents. Tesla's short shorts and there are already sold out so a little bit of tongue and cheek here. for twenty. We all know what that refers to the sixty nine dot four two. Is really kind of A. Is kind of a kickback. The prices shorts likely reference to well of course the green stuff, but also the four hundred twenty dollars share price. The Tesla CEO suggests in two thousand eighteen tweet when he considered to take the company private which he got in trouble by the US Securities Exchange Commission. Tesla's cells arrange. It closed Including a six hundred dollar. Tesla Model S. for kids, but he was basically kind of making a a jab at the all the investors that shorted Tesla and a lot did. And those that shorted. Tesla lost a lot of money because tests. The stock is way up so a little bit of fun by the Tesla CEO. So You know if you're not happy with Earth. There's always Mars so the three. There's a competition happened. a three D.. Printed habitat could be your new home space. You've made the months long months months of long journey to Mars. You've don or have don't have anywhere to leave went company's vision for Martian. Habitat hopes to bring the familiar touches of home to the Red Planet. And I'm looking at this thing that they have designed. It's called Marsha. The Three D. Printed Mars Habitat. They did print out a one fifth scale of this and basic. It's a machine that uses Martian rocks and other things walks around the habitat, and in basically print your home. And they're tempting to imagine humans living on Mars one day. But This is a competition. That happened. egg-shaped was designed by New York based architecture firm eight. Space Factory Response in Nasr's Three D. printed habitat challenge. At all, it's a one third scale replica of the habitat here on earth and We don't see a picture of the the one that they printed. there. But it is kind of cool the design that they came up with and. It see if I can get the page update can show you all this. It's A. Basically A. You know a pod. And with places, live sleep. You know all the stuff that goes. Exercise Room looks pretty big. And Anyway, that's their their mockup of this thing and It's pretty cool. So anyway, maybe when I'm dead and gone in one hundred years from now. Maybe this'll be a reality and. My kids kids, kids can Relocate demars. Also NASA astronaut Catcher to review of a bright comet Neil wise from the International Space Station, cosmonauts snapped. A GORGEOUS IAS photo. And I'm looking at this I'm kind kinda like. k this is exciting, but they. If they did get a picture of it, see can see it there with the little, red round dot link, be up, show notes. It still. Looks a long ways away which it is, but anyway. That's a first from the International Space Station at and T. is updated its first responder offer include teachers, nurses, and physicians, so if you are a first responder, specifically teacher. Or a physician, you are now eligible for twenty five percent monthly discount, so the new update which goes into effect July tenth. Is.
"insurance companies" Discussed on Geek News Central
"To use this against you. and Florida's become the first State to enact DNA privacy law blocking insurers from this genetic data. Governor Rhonda Santa's signed the House Bill One, one, eight, nine sponsored by Representative Chris sprouse. A Republican out of Palm Harbor in Florida. It extends Federal Prohibitions Against Health. Insurance providers accessing roles from DNA tests, such as those offered by twenty, three and me or ancestry DNA again, a lot of people found out that the brothers and sisters. That they did not know, they had lots of potential divorces because all of a sudden. You. There is a match between mom and dad initials. Lots of crazy stuff. That's happened here. So. sprouts the house. Speaker designate call the legislation major victory for Floridians they'll make Florida's leader in the nation, protecting our residents and our citizens, genetic information and hit listen. This is the most important part. Here's a house of Senate. The got something done. That was truly bipartisan House One hundred ten to zero in the Senate thirty five to three. In favor of this legislation. This should be legislation that goes nationwide. Immediately should be adopted by every state in the country. Insures argued the information gleaned from genetic testing such as person's medical predispositions. Could. Lower. Insurance premiums across the board. Okay but the same. The same rationale. Could be used to raise rates. Let's just say that you have. A predisposition for hours. Parkinson's disease. Whatever else they can find out. So for those of you. That have already taken one of these test, and you live in the state of Florida. You might already have had your data sold. SPROUSE, a cancer survivor discovered the massive loophole that could be exploited by insurers while on hold during a phone call to life insurance company in two thousand seventeen, and the air was filled with commercials from DNA testing companies, he said. Individuals can still volunteer genetic information from Third, party tests to insurers. So if you do have a positive in genetic information. And you know how to have that read and analyzed. You can still volunteer that for you. Now probably what will happen here? Is that those don't will probably pay a little higher premium. But it won't stop you from being. Restricted or not allowed to buy insurance. and. I keep telling people. that. Are. Willing to listen. When you're buying alcohol. Cigarettes cigars. Any type of smoking paraphernalia be cutters, lighters anything like that that can prove. That insurance. Company can trigger. To know that you might be smoking. You should pay for that stuffing cash when people. because. They are buying this consumer data. And tying it to you. And Putting a risk category on you when it comes to insurance policies. Now technically, you are supposed to disclose when you sign up from certain insurance policies whether or not you smoke. But let's say you haven't smoked in a year and you say I. Don't smoke. At the time you said I don't smoke. Or I haven't smoked within a certain amount of time. So What's good here in Florida? Is this federal. The federal forbid also now applies a long term, care, life and disability insurance. And genetic privacy will likely remain on lawmakers agendas in the coming years as direct to consumer testing gain in popularity. So again. Among concerns additionally. That lawmakers me. Address is late revelations several Florida condo associations listened to this. Little Florida condo associations required prospective residents submit DNA. Test results showing. They don't have a genetic death PREDISPO- predisposition till Alzheimer's. Which is legal everywhere but California so you can actually get ready to buy. A condo. And the Condo Association. Can turn down your ability to buy a house or buy a condo because you have a positive genetic predisposition for Alzheimer's. What do you think about that? Cal everyplace can do this except for California. So these lawmakers are going to have to look at this law and see if it's if it's. Good enough. Despite the legislation, if DNA, we'd test results end up in a person's health records. Insurance providers legally can access it. Although the federal two thousand eight genetic nondiscrimination act prohibits them from using that information to deny coverage increase rates quote unquote. So we're not completely covered here. Now being had in the navy. They my blood in my DNA is on file with the federal government. And You know so it goes into a database and Brim sure that will be hacked someday in my DNA along with all my other personal information that's already been hacked will be out there. But that DNA. That the navy took from me. Can Be used can be used to cross. Match me to crimes or any other thing that's going on now that I'm out there doing that, but if I do then I know very well. My DNA is on file with US government. They collect DNA evidence. You know and. You're done. And so anyway this this DNA thing. You can run, but you can't hide at least from the insurance companies. You can prevent them from looking at some of this stuff. And of course, if someone comes with a warrant, they can you know swab your throat and get a DNA sample? Forcefully if they need to. Talk a little bit about Hong Kong. And I happen to find his kind of interesting. This I had no idea. This article was popping today, but maybe it was because of what was trending. I was watching a Youtuber who was a guy from South Africa. He'd been in mainland China for. Thirteen fourteen years very popular youtube over there. One of the first youtubers in China married to a Chinese national has.
"insurance companies" Discussed on Geek News Central
"This is a new central. My name is Todd Cochran coming to from FEMA. Region five in the new media production studio designed by automate dot. com and cold water Michigan. In the news today in show, today Florida protects you from insurance companies. A new. Hong Kong Security Law driven by mainland. China causes big tech changes here in the United States. Going to take you on a tour of a luxury nuclear. Follow shelter. and. We're GONNA. Talk About Elon Musk. Read short shorts..
"insurance companies" Discussed on The Journal.
"So this is a pretty intense campaign that hotel and his group running. They're calling government officials there on the phone the president. They've got this ad running in times, Square. How is the insurance industry? Responding to this campaign? The industry has been making a pretty forceful argument that it never intended for the policies to cover pandemic that it would just make no sense for them to do that. It would be suicide to offer such coverage. Well the whole concept of insurance is that a lot of people pay in, and in any given year only a limited number will actually draw money out. Let's say you have one hundred people in a little town who pay insurance, and then maybe two or three of them have a fire in any given year. Thus there's enough to cover their claims and the Prophet for the Insurance Companies So, when you have a pandemic, you have everybody pay an in, but lo and behold everybody claims at the same time. Don't work. The insurance industry is saying that they don't have enough money to pay out all these claims at once. But not everyone buys that argument. One analyst that Leslie spoke to estimated that worst-case insurance companies could be liable for about twenty five billion dollars of business interruption claims, and she estimated that the industry could absorb a lot more than that up to one hundred fifty billion dollars, but then sure is no, no, no. We can't go around using money that basically supports our solvency and don't forget the insurance company are saying we need to have that money because we're now in hurricane, season started. June one and we're going to have wildfires, so the insurers are saying we K- send all this out the door to these people who had business interruption claims because we may native for this hurricane season or a wildfires. That is what the money's four. What are executives in the industry? Saying about this? A growing number of them are increasingly outspoken on the subject for example Evan Greenberg who's the chief executive of Chubb Limited and he expressed some of the thoughts and a first quarter earnings call in April. And at that point, he said warriors. The trial bar lose ride to prove something. That actually doesn't exist I. Mean Industry will fight this tooth and nail. We will pay what. Does it kind of fighting words. You're hearing out of C. Suites. And those fights are starting to spill into the courts. Other lawyers agree with John that businesses should be covered. Enter testing the theory out. One case in New York took the theory head on. The publication called Social Life Magazine's sued. It's insurance provider for business interruption claim of nearly two hundred thousand dollars. The lawyer for the magazine, said the virus that damage the property. But in the hearing, the judge didn't seem convinced. The judge said the virus quote damages lungs. It does not damage printing presses. What she said was New York. Law is clear. That, to tap into business interruption coverage, you're gonNA need some damage to property. She told the lawyer for the magazine. You get a gold star for creativity. So far John Hoult tailings theory here in property damage coming from the fact that there's droplets at the virus on surfaces isn't really working so far. It's too early to say that. This one, New York judge didn't go for it, but this is state by state stuff. Leslie and other insurance experts have seen before how the insurance industry can start out confident. Instill wind up losing billions of dollars. It happened in the ninety S. with S- pestis. They started out in his best. Those fight your decades ago. Saying we got this. We're good. Their policies don't cover this. But the todd turned eventually, and they ultimately got stuck with about one hundred billion dollars in liability they hadn't expected. Is the risk when you have a lot of lawsuits? Being filed in a lot of different courts Leslie says that some sympathetic judges will interpret the language in his contracts as broadly as possible in rural in favor of businesses, which could save some of the ones struggling right now. But no matter what happens. This situation has raised a big question about what insurance is really for. INSURANCE COMPANIES WON'T TO PRESENT. Themselves is being there at all times and being essential in the lives of their customers, but in doing so it can foster this notion that they cover absolutely everything. But they don't. And in the future, if they lose these cases, they might cover even us. Some people fear that if the insurance industry. Covers a lot of losses here. They'll just cancel the slot of coverage. They may just say you know what we offer that because it was a good way to help our. who had fires or hurricanes or suffered other kind of damage that we saw as being covered by these policies, but if we're GONNA be sued right and left by lawyers seeking to broaden that, and that's not what we mean to do, which is to cancel the whole line? But for now the setting up to fight the hundreds of cases that have already been filed. And the new cases being filed every week. It's just two very different points of view that are colliding. And we don't know what the outcome.
"insurance companies" Discussed on The Journal.
"That wasn't his only move. John got on the phone with some of his famous friends in the restaurant business people like Wolfgang Puck and Thomas Keller. They talked about the insurance problems. They're having informed. A group called the business interruption group. These prominent chefs started doing interviews talking about what was happening with their insurance. Four of them were even able to land a phone call with President trump. Is Not completely unexpected when you remember that president trump. Is a real estate developer and he's had nice restaurants in some of his buildings. Some of these people that trump himself has mingled with and other setting so four. The chefs were able to get a phone call on March twenty nine. And they chatted about how they were really struggling with their insurance companies, and just hope and there is something the president could do to stop these insurance companies from rejecting them. Two weeks after that call. The president brought up the issue at public briefing up I would like to see the insurance companies pay if they need to pay if it's fair and they know what's fair and I know what's Fair I can you very quickly? But John and his group were just making phone calls the splashes element and John Strategy was a massive PR. Campaign, In May John. His allies launched a video that went up on a giant billboard in Times Square. Features Whoopi Goldberg. Insurance companies and the federal government need to do the right thing. In addition to a dancer. Musician a shaft. A rabbi if you're not there for us now. When will you be all basically saying that this business interruption insurance is really vital to the ability of these New York institutions to get back on their feet. Companies.
"insurance companies" Discussed on The Journal.
"This episode of the Journal is brought to you by Lysol Lysol believes the best way forward is together. That's why they're committed to promoting healthy habits for your safety and for others. Learn more at Lysol. Dot Com, Lysol what it takes to protect. After the pandemic hit and governments imposed broad shutdowns, many businesses were struggling to make ends meet so some thought hey. I got insurance. Some of them call their agents or their brokers and say talked to me about this. Am I covered? All kinds of businesses restaurants gyms coffeeshops started filing claims with their insurance companies to help cover their losses during the shutdown. One of them was Eric Bela's a group of restaurants in Chicago. He had just furloughed four hundred and some employees, and he knew he was gonNA. Need money to cover as utilities his rent. He was going to need a pay out from the insurance company to help him with the reinfecting costs whenever that was gonna Kerner, so he was counting on this money, he was counting on it. Eric's company is one of the millions of businesses in the US with a type of insurance coverage called business interruption insurance. This type of coverage has been around for a long time. Business interruption insurance dates to the early nineteen hundreds was originally sold to these manufacturers who had boilers and other equipment that might fail, so the coverage provides for money to be paid by the insurance company to these businesses to tide them over until their businesses get back and upper running again once the boilers are repaired or the fire damage has been repaired the building rebuilt, perhaps so it basically covers lost income plus operating expenses during the period that you're shutdown, so it's sort of like your equipment is damaged. We're going to ensure and cover that, but we're also going to cover some of the revenue that you would have had in this period when the machine wasn't working by. To Business Owners Eric, this business interruption coverage was the perfect claimed he could make to recoup some of the money that he was losing because of the corona virus. The pandemic had definitely interrupted his business. But the insurance money didn't come. His claim was rejected. He was told he had to have physical damage to his business to get the money. He said. I felt I took a gut punch. When my representatives of the Insurance Company, told me I had no coverage and here I am just learning. The insurance company is saying sorry. You had to have property damage before we're going to make a payment. It just doesn't make sense to the business owners. They feel like I gotta sure is and auto pay out? Other businesses were hearing the same thing and some claims were being rejected because of a specific exclusion written into the contract. The language is fairly plain English and it appears and policies and boldface capital letters at the top of page. Languages and I quote exclusion of loss due to virus or bacteria in quote. Wow a year ago, nobody reading policy would have been on the lookout for language like that. 'cause who possibly envisioned the shutdowns that we're having today, but people at insurance companies are exactly the type of people who envisioned things like shutdown caused by a pandemic. The SARS epidemic of the early two thousands was a wakeup call for the insurance industry. Of what might happen in the future with another virus, so a lot of insurers had started using this exclusion after two thousand six. This language is believed to be in at least fifty percent of the policies that businesses hold. It may be an as many as seventy percent of the policies. For businesses with insurance policies that have this virus exclusion line in their contract. There's not much they can do about it. They're basically out of luck. But for businesses without that exclusion, the lawyer John hoteling hosted that Fancy Dinner Party was trying to figure out a way to get the insurance companies to pay up. John Thought there might be a way around the insurance company requirement that businesses have physical property damage. He thought he could make a case that the coronavirus droplets are physical damage that they stick to services and make it unsafe to be at work. John and his associates went looking for precedent for other cases, in which particles gases are smells, had been considered physical damage and found some. One of the cases involves ammonia that was mistakenly released in a factory, and there was so much of this ammonia that the employees couldn't go in the factory building. That owner has sought a business interruption payout, and a judge ruled that yeah, that ammonia, even though it was going to dissipate over time, and didn't require rebuilding repairs of the factory for period. It made that factory uninhabitable. So that was one, and then there was another case which was in Oregon where a Shakespeare festival that had outdoor performances was forced to cancel some of those outdoor performances, because there was such heavy smoke in the air from nearby wildfires, they got a favorable ruling. The smoke counted as property loss. They at least temporarily los the use their outdoor theatre. One other case involves the smell of cat urine in a CONDO building. So they were able to find at least four or five cases that things that were temporary in nature, and once they dissipated, they didn't necessarily require kind of quote. Unquote rebuilding or repairs of the actual building, but the judges were persuaded that that created enough of a property loss that they claim could go forward. With this basis for a legal argument, John started jumping on phone calls, he lobbied public officials, asking them to write language into their shutdown orders, but said the virus being interrupted businesses caused physical damage. And, ultimately, at least fourteen or fifteen orders have included a reference to the danger that the virus poses to property itself in creating a dangerous situation and damaging property. John Thought that having that written into shutdown orders would make it easier for him to make the argument about property damage in court..
"insurance companies" Discussed on The Journal.
"Right now the insurance industry's one of the biggest legal fights in its history and he started a few months ago at a dinner party. One day in mid March march twelfth, a well-to-do successful New Orleans. Lawyer named John who telling was having a dinner party at his historic mansion. All Saint Charles Avenue or colleague? Covers insurance. He had a four course French meal planned. They had the big dining room setup. Beautiful tables with hand painted Mardi Gras. Mask as party favors and stuff flowers on the tables, just a beautiful arrangement. The. Four course meal was organized by one of John's France. A French chef named Jerome Coups. At one point during the all, the conversation turned to the corona virus. If you think of March twelfth. There were some big events happening around there on March eleventh the World Health Organization declared the new corona virus to be a global pandemic. There have been shutdowns in Italy that John was well aware of because he has a vintage race car team. That's there in Italy John. Said this is going to come to America and that's what he said at the dinner. These shutdowns are GONNA come here. You'RE GONNA be close in fact, John's Fran Jerome. Baku's said that he'd found out that day. He had to close one of his own restaurants a French restaurant Disney's Epcot Park. And John Hotel Lang turn to Jerome bouqs and he said Listen Jerome I need to get your insurance policy I. Want to see that insurance policy. John's odd request of his friend, who was because John Specialty is a lawyer is in the insurance industry. The marble staircase New Orleans mansion that John was hosting dinner in was bought with money. He made from fighting insurance companies. In the wake of disasters like hurricane, Katrina, and superstorm Sandy John had represented property owners and their fight to get insurance money and one big drum accuses. Problem Got John Thinking that there might be another battle brewing this time because of the pandemic. and. He set out to take on the insurance industry again to force them to pay.
"insurance companies" Discussed on The Money Advantage Podcast
"Man through Through their work through platforms that they could trae stockbroking brokers were really Looking for people that had a lot of assets so common man did not do that. They actually stored their money in life insurance contracts in the bank and I just a your time to bring this up Rachel Is when you think about it financial. There's only so. Many financial institutions are security firms at a sell stocks bonds mutual funds. There's pensions systems. In the United States. There are banks and there are insurance companies and they're all places where people or institutions store their money. I love that you mentioned that and I wanNA come back to that in just a moment but I wanted to point out as well as you said that a lot of times. The common man then stored their money in life insurance policies. What's really interesting to note in? I don't think we talk about this often enough. That with life insurance companies they have generally the good companies have been around a very long time. And so I want to actually share some of these dates with you. So we're talking about strong stable life insurance companies that are mutual which are owned by the policy holders or mutual holding companies in. We're in a position where these have survived not only the civil war in many cases but the Great Depression and the great recession so just a little bit of context civil war. I had to look up the dates because I'm not a history buff. Maybe you are if you're listening and these come naturally to you but the civil war was between Nineteen eighty-six doesn't actually sound right in nineteen eighty three. I believe or a eighteen. Eighteen sixty eighty six sixty five. Now doesn't even look either. So that's a work Rachel Let's just go ahead of next out but the civil war was a long time accounting sixty eighteen six and I think it ended in eighteen. Sixty hurry well. That sounds more than the wrong numbers. My goodness so the Great Depression this. I'm more certain of so. This was between nineteen twenty nine and the late nineteen thirties. So we're talking about almost a full hundred years ago there about ninety years ago and then the great recession is the crisis that happened in two thousand eight that all of us have actually lived through but it can be easy to forget in Just with circumstances now feeling like that was so long ago so if we look at some of the long standing life insurance companies we have. Several companies have been around for a very long time. So for instance Penn mutual has been around for one hundred and seventy two years. We have western southern which owns Lafayette Life. Insurance Company around for one hundred and thirty two years Ohio National Hundred and eleven no particular order that I'm sharing these Security neutral hundred thirty four years Guardian. One hundred sixty years New York life seventy five years and then if you look way back which this is really interesting But equitable life assurance society started a very long time ago and then they turned into a life insurance company and that has actually been two hundred and fifty eight years so. I don't believe that there in the US. I need to check my stats on that again. But if you look up any life of these life insurance companies you'll see that they've been around for a very long time and what that means is the weather a lot of economic crisis they've weathered tremendous ups and downs and we're going to talk about how they came through the great recession. But what's really interesting to note? Is that even? Though we talked today about privatize making with whole life insurance as.
"insurance companies" Discussed on Business Wars Daily
"<Music> <Music> <Music> <Music> <SpeakerChange> <Speech_Music_Male> for wondering this is <Speech_Music_Male> <Advertisement> business wars daily <Speech_Music_Male> <Advertisement> as we continue <Speech_Music_Male> <Advertisement> to cover the financial <Speech_Music_Male> <Advertisement> effects of this crisis. <Speech_Music_Male> <Advertisement> We want to hear from you <Speech_Music_Male> <Advertisement> when it comes to business. <Speech_Music_Male> <Advertisement> What's bugging <Speech_Music_Male> <Advertisement> you or even making <Speech_Music_Male> <Advertisement> you <Speech_Music_Male> <Advertisement> send us a message <Speech_Music_Male> <Advertisement> be wd <Speech_Music_Male> <Advertisement> at wondering <Speech_Music_Male> <Advertisement> Dot Com. <Speech_Music_Male> <Advertisement> I'm David Brown. We'll see <Speech_Music_Male> you tomorrow <SpeakerChange> <Music> <Music> <Music> <Music>
"insurance companies" Discussed on Menopause Management
"You pay to fix it so with all insurance your me something will happen to you that obligates the insurance company to take care of you the problem is that all insurance policies are riddled with exclusions disclaimers to make it so that they don't have to take care of you that's how the insurance companies make money with medical insurance you're betting that you'll get ill and the insurance this company is betting that you want and you expect the insurance company.
"insurance companies" Discussed on Menopause Management
"My broadcast radio length of time and you've been watching youtube videos or you have my book or you've Seen My webinars or anything you only know me well enough to realize that I think about everything and I also take an insurance law in las cool so I know a few things about it I'm just GonNa say a few words about insurance in general have you ever thought of an insurance policy as a bet yeah you heard me correctly made a bit all insurance Luc's are really a bet between you and the insurance company with life insurance it goes like this you said the Life Insurance Company I'll Betcha on GonNa die and the Life Insurance Company says I'll bet you're not and you say well how about this I'll pay you a bunch of money and if I do die you give me all that money and more you give that money and more to somebody else with property insurance it's the same principle you say the property insurance company I bet you I'm GonNa have property damage if the Insurance Company says I bet you're not and you say well how about this tall pay you to pay me for my damage property if it gets damaged and with your car insurance the car insurance company I'll bet you I'm GonNa have a rick and the Car Insurance Company says I'll bet year not and you say okay I'll pay you if I do have a wreck.
"insurance companies" Discussed on Menopause Management
"Hi It's Jamie Progressive's employee of the month two months in a row leave a message at hi Jamie it's me Jamie I just had a new idea for our song about the name your price tool so when it's like tell us what you want to pay hey hey hey trombone goes Blah Blah Blah and you say we'll help you find coverage options to fit your budget then we just all do finger snaps while a choir goes hello everybody this applause Taylor radio the state of NEPAD the world today and I have your menopause educator but you know subjects I'm more of a medical educator and in some instances I'm even a business educator in the last broadcast I was talking to about the fact that our health care system is really more of a disease care system because doctors are trained to treat disease they are not part of the wellness industry that deals with help but you don't deal with old lear doctor when you have a disease he's you deal with a bunch of other things that are built into the disease care system most notably your health insurance The company which is really a disease insurance company for simplicity. I'm just going to call it medical insurance so today I'm GonNa Talk to you about medical insurance and the role of Your Medical Insurance Company in your Medicare now you may be saying Louis I already know about medical insurance but I guarantee that there are some things you don't know depending on where you live your medical insurance situation will differ but regardless of the struggle I'm sure of it there are things about it that just don't make much sense comets I'm going to make will pertain to the united states medical insurance system because it is without doubt the most confusing and convoluted one of all those of you living in a single in a country with a single payer system or a national health care system or socialized medicine will probably be shocked at some of the things I'll be saying about the United States medical system and you might just find yourself feeling very Very fortunate let's just start with the broad topic of insurance now if you've been listening to.
"insurance companies" Discussed on The Chief Customer Officer Human Duct Tape Show
"Hi, everybody on today's show. We are talking to Scott Campbell. Who is the senior vice president and chief client officer at American national. Not only does he have a great process that I think not only people in insurance, but others in regulated in complicated. Industries will want to hear we dig into his team skill sets. But also, he has a really amazing sense of humor. I think you'll really enjoy the show. Thanks so much have great day. Hi, everybody and welcome to the chief customer officer human duct tape show. Where we talk to leaders about how they unite their companies to achieve customer driven growth as the duct tape of their organization. I'm your host, gene bliss. So be sure to catch us. An I tune Stitcher and at customer, bliss dot com slash podcast. Hi, everybody and welcome to the chief customer officer killing update show today. My guest is Scott Campbell. And Scott is the senior vice president and chief client officer at American national. Hey, scott. How are you? I'm good. So American nationals insurance company. Correct. That is correct. So I just want to make sure everybody knew before we talk about your current role. Let's go back to the beginning. 'cause you haven't quite an interesting beginning to your career. Sure. Well, it started out from the time. I was about fifteen my dream was to be Tom Brokaw. Doing. I wanted to be network news anchor be and TV news broadcasting so had a broadcast journalism major at the university of Nebraska and got out of school and worked in TV news as a photographer photojournalist, if you wanna Trump it up a little bit fulltime for about a year. And it was long enough for me to realize that I didn't want to be TV news for my whole life. It's not what I had thought. It would be or wanted it to be. So that kind of tough when your that's your dream from the time, you're you know, kid and figure something out and didn't know what I wanted to do. And so just ended up getting hired at this is about nineteen ninety nine at mutual of Omaha wild kingdom company. I've heard of them as a copywriter, and that's kind of I was like writing and doing that. So kinda got into that and started doing a bunch of freelance writing it did actually a a lot of writing for wedding magazine on your freelance writer, you take whatever job. You can get there. Sure, thank my by expose on funding versus butter cream icing, which is right for you. I think they still hold that up the seminal work on the top and in the wedding journalism industry. But who knew I wouldn't have fun connecting this your work now. Right. Exactly. Good luck with that. Did that for you know, it was planning to just be an insurance in, you know, creative side of that marketing for a couple of years until my writing career took off and well long story short in April all be in the insurance business twenty years. So you can see how well the writing career it take but spent fourteen years at mutual of Omaha first half of it was brain management creatives that got a lot of experience on that side of the business that a lot of work with executives of communication support and different things. I was kind of as digital is becoming a bigger thing. So kind of within on the early days of that which was interesting and then flipped over to the marketing side of things, but. Halfway through my career there. And you know, we're kind of marketing goes through these centralisation and decentralisation phases. And it had been decentralized, and we're starting to put it back together. So the channel build up a marketing team for business unit there, which was great and then got recruited to American national. And this was about six years ago next month and has chance to come over as the CMO for one of the major product lines and spent a good chunk of time doing that we built the marketing team rebranded and all that all that fun stuff. And then this year took on the exciting new role of chief client officer, which the first time we've had this role and function at the company, and so it's been an interesting year. And that catches you have to date gray. That's great. Thank you for being so sinked in your in your journey, meaning the marketing and communications, there is the thread through it, which is that you're a communicator, and what we know in this work is. So much of the time. People forget to wrap it up and communicate back to the organization take the organization on the journey as well as the customer. So I'm sure that is gonna be very powerful for you. As you move forward. Let's talk about the leap from CMO to chief client officer. How did that come to be? What was kind of interesting in our business unit where we were before. And we were fortunate to be able to work with us. We started at journey a couple years ago. Now few years ago, we had kind of started working on the client experience as a side job. You know? Our night job. In addition to marketing because you're right. Those those functions are so inter related, and so we had kind of built up a program in that business unit. Started, you know, getting the listening platform put in place started journey mapping just doing some of that took because we knew you've been from a marketing standpoint that you know, we were there was a lot of opportunity there. So it's expert a couple of years. It was kind of me putting part of my time to that. And then one other guy my AP that we were able to bring over and he was kind of a one man band on the day to day basis. And then it just kind of started taking off we started having some success with projects, and you know, putting some measures around it and earthly this year our CEO decided that he liked what we were doing there. And he wanted it for the whole company, and, but it didn't make sense for us to live in the business unit anymore. So we sorta spun off of marketing and about half the. Team in with Madiun half the team state in marketing, and we've been focusing this year, I'm just really getting it all in place and taking that to the enterprise level. So where do you report in house cat? I report to it's kind of interesting here because my boss has a J Norma's amount of the C, I go he also runs the life Adleman, and is kind of the chief corporate business process officer, so and then he reports to the CEO so kind of onto on that level. Okay. Great. So let's talk about your at your the role about eight months. Tell me how you assess the work to be done. Because now what you're doing as you mentioned is your, and it's interesting actually that it this work was begun in, you know, one of the business units kind of a trial run almost had to prove some things. So now, you're expanding it across the enterprise. How did you determine the work to be done as you? I came in and walk us through what you did.
"insurance companies" Discussed on Radio Free Nashville
"The the insurance companies are making more money requiring you to use brandname drugs than they would if he were using cheaper generics because of this whole kickback scheme this seems to me like something that should involve a rico prosecution uh i couldn't agree more rico would be one way of going fdc should definitely smash uh the collusion that goes on right i mean the an industry is not allowed to do that uh butler it at exactly they are now eight hundred healthcare was than it was the company that was called out in the serb pretty sure is new york times are was new york times yep and it's totally true and that's like i'm not exaggerate and that's like the least of their terrible behavior that's like just accepted they created a whole industry the pbm pharmacy benefit managers a whole like cut out industry whose job it is is to work with the insurance companies to create these upward uh like pressure price pressures as long as you pay for it right said they use complex rebate schemes which are kickbacks but you know they're like oh no you don't know how much the drug costs because we use rebates and very few people actually pay the full price of the drug and you're like yeah that's the problem we don't know what the drug coffin who pays while now that the rebates coined an the insurance company luna me exactly so so they are sure as companies pushing me to use my my out of pocket money to space to buy the more expensive drug let me add one thing in there that a with touched on but there are gag rules on pharmacists from pointing out that some times like they see it and the your deductible is going to be higher than if you just bought the drug uh over the counter without using your insurance and they are not allowed to tell you that uh because this industry is not a bunch of people in are you saying that if i go in and i've i have a prescription i buy a drug in the guy says okay it's fifty dollars as a deductible against your insurance i say i don't want to i don't wanna insurance pay for just let me by the drug it will only be thirty alec yes that i'm not deductible though it was it deductible i'm sorry catafalque of the out.