Willo Kelly's presentation from 1/9/14 in Kill Devil Hills on the NC Rate Bureau's proposed rate revisions for 2014, just months after new homeowners insurance rates increased in July 2013. Just six months after the insurance rate hikes, the Rate Bureau is seeking another 25 percent statewide (North Carolina) and more than 35 percent along the Outer Banks and the North Carolin coast. These are the facts that the Department of Insurance will consider when they examine the Rate Bureau's proposal to see if the rate increases are warranted. As you will see, charging significantly higher rates in coastal NC counties represents an unfair burden.
The cost of homeowners insurance affects housing affordability, financing, re-financing and economic development. There has not been a hearing on a Homeowners Insurance Rate Filing since 1993. The NC Department of Insurance is accepting written public comments on the HO Rate Filing through January 31st by email at 2014homeowners@ncdoi.gov. A public comment session will be held on Friday, January 24th from 9:30am to 4pm in the Jim Long Hearing Room of the Dobbs Building, 430 N. Salisbury St. in Raleigh.
The US Senate is expected to vote soon on the Homeowner Flood Insurance Affordability Act, S. 1846 that was introduced by NJ Senator Menendez in December. S. 1846 would delay certain premium increases put forth in the Biggert-Waters Act for four years until FEMA can complete its Affordability Study and Congress can consider the recommendations of the study. This is common sense legislation; Congress and FEMA should understand the ramifications of the Biggert-Waters Act before implementing it. If this legislation is not implemented, homeowners and business owners across America will see dramatic, unaffordable flood insurance premium increases when they lose "grandfathering" under new maps.
PLEASE CALL SENATOR RICHARD BURR AND SENATOR KAY HAGAN AND URGE THEM TO VOTE YES on the motion to proceed to S. 1846, and YES on the bill and final passage. Senator Hagan has been supportive of the delay; Senator Burr has maintained his support for the Biggert-Waters Flood Insurance Reform Act of 2012 and has not been receptive to making changes to the law.
Contact info:
Senator Richard Burr: (202) 224-3154
http://www.burr.senate.gov/public/index.cfm?FuseAction=Contact.ContactForm
Senator Kay Hagan: (202) 224-6342
http://www.hagan.senate.gov/contact/
Curadoria de Conhecimento no Mundo DigitalRegina Fazioli
O documento apresenta Regina Fazioli, uma bibliotecária que atua na curadoria de conteúdo digital. Ela detalha suas qualificações incluindo educação e experiência. O texto também fornece orientações sobre como realizar a curadoria de conteúdo de forma efetiva, incluindo a pesquisa, contextualização e compartilhamento de informações relevantes para o público-alvo.
Leaders do not naturally improve with age and experience alone. Less than 1% of corporate learning budgets are spent on developing executives, despite research showing leadership development is a top priority. While leaders need skills in many areas, surveys show their key challenges relate to strategic skills like setting strategy, communicating it, and ensuring alignment. Coaching can help leaders improve strategic skills through reflection, feedback, and deliberate practice of new ideas, helping businesses to improve.
La inteligencia artificial comenzó a desarrollarse en los años 1940 con las primeras computadoras grandes. Desde entonces, los sistemas de IA se han vuelto más pequeños, portátiles e indispensables. Los científicos han estado trabajando para crear máquinas que imiten la inteligencia humana a través de técnicas como las redes neuronales. En el futuro, es posible que las computadoras sean controladas por la voz y usen lentes inteligentes en lugar de pantallas. Sin embargo, las máquinas aún no pueden igualar la
Rich Horwath is a bestselling author on strategy and the CEO of the Strategic Thinking Institute. He has helped over 50,000 managers develop strategic thinking skills through executive workshops and as a former Chief Strategy Officer and professor. Rich is the author of six books on strategic thinking and has developed proprietary strategic planning tools and offerings that are used by companies worldwide. He brings both academic and professional experience in strategic management.
El Sayed Ali Mohamed Ali is a fully qualified aircraft maintenance engineer licensed to perform maintenance, modification, and repair on aircraft and engines. He has a Bachelor's degree in mechanical power engineering and an aircraft maintenance license. His experience includes work as a technical and sales engineer maintaining packing and filling machines, and as a site engineer overseeing air conditioning and cooling power plant installations. He is seeking a position with an airline to further develop his engineering expertise.
This document summarizes key ideas from the book "As a Man Thinketh" by James Allen. It discusses how a person's thoughts directly influence their character and circumstances. A person's outer world reflects their inner mental state, and one can change their life by taking control of their thoughts. Through cultivating positive thoughts and eliminating negative ones, a person shapes their destiny and moves towards greater happiness and fulfillment. Suffering comes from living without harmony between one's inner mind and outer actions, but by purifying one's thoughts through discipline and effort, one can overcome wretchedness and live in a state of blessedness.
Students must prepare for a debate representing different countries. They should identify each country's principal problem, which population is most affected, and what other countries could have similar issues. Students should consult multiple complex sources to answer the questions and prepare printed speeches responding to another country's presented problems. The document provides country codes for 25 countries to choose from for the debate.
1. Dokumen tersebut membahas tentang gradient uniform atau pembayaran yang teratur dimana besarnya jumlah pembayaran mengalami kenaikan atau penurunan per tahun dengan jumlah yang sama. Metode ini digunakan untuk mengkonversi pembayaran yang tidak merata menjadi pembayaran tahunan yang setara.
2. Diberikan beberapa contoh perhitungan menggunakan metode gradient uniform untuk mengkonversi biaya operasional kendaraan, mesin,
Curadoria de Conhecimento no Mundo DigitalRegina Fazioli
O documento apresenta Regina Fazioli, uma bibliotecária que atua na curadoria de conteúdo digital. Ela detalha suas qualificações incluindo educação e experiência. O texto também fornece orientações sobre como realizar a curadoria de conteúdo de forma efetiva, incluindo a pesquisa, contextualização e compartilhamento de informações relevantes para o público-alvo.
Leaders do not naturally improve with age and experience alone. Less than 1% of corporate learning budgets are spent on developing executives, despite research showing leadership development is a top priority. While leaders need skills in many areas, surveys show their key challenges relate to strategic skills like setting strategy, communicating it, and ensuring alignment. Coaching can help leaders improve strategic skills through reflection, feedback, and deliberate practice of new ideas, helping businesses to improve.
La inteligencia artificial comenzó a desarrollarse en los años 1940 con las primeras computadoras grandes. Desde entonces, los sistemas de IA se han vuelto más pequeños, portátiles e indispensables. Los científicos han estado trabajando para crear máquinas que imiten la inteligencia humana a través de técnicas como las redes neuronales. En el futuro, es posible que las computadoras sean controladas por la voz y usen lentes inteligentes en lugar de pantallas. Sin embargo, las máquinas aún no pueden igualar la
Rich Horwath is a bestselling author on strategy and the CEO of the Strategic Thinking Institute. He has helped over 50,000 managers develop strategic thinking skills through executive workshops and as a former Chief Strategy Officer and professor. Rich is the author of six books on strategic thinking and has developed proprietary strategic planning tools and offerings that are used by companies worldwide. He brings both academic and professional experience in strategic management.
El Sayed Ali Mohamed Ali is a fully qualified aircraft maintenance engineer licensed to perform maintenance, modification, and repair on aircraft and engines. He has a Bachelor's degree in mechanical power engineering and an aircraft maintenance license. His experience includes work as a technical and sales engineer maintaining packing and filling machines, and as a site engineer overseeing air conditioning and cooling power plant installations. He is seeking a position with an airline to further develop his engineering expertise.
This document summarizes key ideas from the book "As a Man Thinketh" by James Allen. It discusses how a person's thoughts directly influence their character and circumstances. A person's outer world reflects their inner mental state, and one can change their life by taking control of their thoughts. Through cultivating positive thoughts and eliminating negative ones, a person shapes their destiny and moves towards greater happiness and fulfillment. Suffering comes from living without harmony between one's inner mind and outer actions, but by purifying one's thoughts through discipline and effort, one can overcome wretchedness and live in a state of blessedness.
Students must prepare for a debate representing different countries. They should identify each country's principal problem, which population is most affected, and what other countries could have similar issues. Students should consult multiple complex sources to answer the questions and prepare printed speeches responding to another country's presented problems. The document provides country codes for 25 countries to choose from for the debate.
1. Dokumen tersebut membahas tentang gradient uniform atau pembayaran yang teratur dimana besarnya jumlah pembayaran mengalami kenaikan atau penurunan per tahun dengan jumlah yang sama. Metode ini digunakan untuk mengkonversi pembayaran yang tidak merata menjadi pembayaran tahunan yang setara.
2. Diberikan beberapa contoh perhitungan menggunakan metode gradient uniform untuk mengkonversi biaya operasional kendaraan, mesin,
Why is Revit MEP Outsourcing considered an as good option for construction pr...MarsBIM1
Outsourcing MEP modeling services require effective collaboration and coordination amongst multiple engineering trades. The engineers and the designers often change the details of the MEP projects, but the work of Revit MEP drafting services is having the master plan and model of the complete project. To have proper coordination and installation, there is a need to execute the project effectively. Hence, the work of Revit family creation facilitates the MEP engineers.
36,778 sq. ft. building; Zoning: SE (Suburban Employment): The (SE) District allows numerous commercial site uses; Passenger elevator; Private and common restrooms; Fully sprinkled; Data center with a grounded floor and a specialized HVAC system; 60 KVA back-up generator; Building/pylon signage; Potential to purchase adjacent parcels; Sale Price: $4,413,360
Listing Turkey - Piyalepasa Istanbul CatalogListing Turkey
We are working around the clock to transform a long-time dream into reality. As a result, Piyalepasa Istanbul will be the largest privately developed urban regeneration project in Turkey.
THE NEIGHBORHOOD WE HAVE BEEN LONGING FOR IS COMING TO LIFE
The good old days of the Piyalepasa neighborhood are being brought back to life with Piyalepasa Istanbul houses, residences, offices, hotels and a pedestrianized shopping avenue.
The wide streets of this 82.000 square meter development conveniently face the main boulevard in a prime Beyoglu location. “Piyalepaşa İstanbul” stands out as the only project designed to offer a neighborhood lifestyle, complete with its grocers, bagel sellers and greengrocer. Piyalepasa Istanbul has all the values to make it an authentic neighborhood, our very own community.
A NEIGHBORHOOD FULL OF LIFE, IN THE HEART OF THE CITY!
“Piyalepaşa İstanbul” is a “mixed-use” concept containing all the elements for a vibrant social life with houses, residences, offices, hotels and high street shopping.
“Piyalepaşa İstanbul” will take the liveliness of Istanbul into its heart. The elegant sparkle of Nisantasi, the young and colorful Besiktas, the variety and multicultural heritage of Istiklal Street will all be contained within the streets of this neighborhood.
“Piyalepaşa İstanbul” bears traces of the most beautiful examples of Turkish architecture from the Seljuks to the Ottomans and from Anatolia to Rumelia. With its graded facades, wide eaves, bay windows, pools, and interior courtyard systems, it offers a new living space without disrupting the city’s silhouette and neighborhood.
“Piyalepaşa İstanbul” is the new attraction of this splendid city.
TO BE AT THE CENTER OF ISTANBUL… THIS IS REAL LUXURY!
With its proximity to D-100 highway, connecting roads and tunnels, “Piyalepaşa İstanbul” is only minutes away from Kabatas, Besiktas, the Golden Horn and Karakoy.
“Piyalepaşa İstanbul” is close to the prestigious new Istanbul Court House, a major hospital, the Perpa trade center and the city’s most lively neighborhoods. With its shuttle service to Okmeydani Metrobus station, Sishane and the Court House subway stations, “Piyalepaşa İstanbul” will provide you with the most convenient transport connections.
https://listingturkey.com/property/piyalepasa-istanbul/
Expressways of India: A Comprehensive Guidenarinav14
India’s expressway network is a testament to the nation’s dedication to improving infrastructure and connectivity. These high-speed corridors facilitate seamless travel across vast distances, reducing travel time and fuel consumption
Eco Green Builders in Sydney By Marvel HomesMarvel Homes
Marvel Homes is dedicated to revolutionizing the construction industry with cutting-edge, eco-friendly practices. We specialize in designing and building energy-efficient, sustainable homes and commercial spaces that minimize environmental impact. Our projects feature renewable energy solutions, superior insulation, and innovative green technologies. Committed to reducing carbon footprints, Eco Green Builders combines expertise, innovation, and a passion for sustainability to create spaces that are as environmentally responsible as they are beautifully crafted. Join us in building a greener, more sustainable future.
https://marvelhomes.com.au/our-services/
Selling your home can be easy. Our team helps make it happen.Eric B. Slifkin, PA
Why hire one realtor when you can hire a team for the exact cost? Our team ensures better service, communication, and efficiency, which can make all the difference in finding your perfect home or securing the right buyer. See how we market homes for sellers.
The SVN® organization shares a portion of their new weekly listings via their SVN Live® Weekly Property Broadcast. Visit https://svn.com/svn-live/ if you would like to attend our weekly call, which we open up to the brokerage community.
Experience Premier Urban Lifestyle at Kohinoor Satori, Mahalungegraphicparadice786
Experience a harmonious blend of luxury and tranquility at Kohinoor Satori Apartments, situated in the rapidly developing locality of Mahalunge, Pune. These thoughtfully designed residences are crafted to offer a premium living experience, merging modern aesthetics with functional elegance.
Our mail-id-directsite369@gmail.com
Our Website- https://kohinoor.directsite.in/pune/kohinoor-satori-mahalunge/
Andhra Pradesh, known for its strategic location on the southeastern coast of India, has emerged as a key player in India’s industrial landscape. Over the decades, the state has witnessed significant growth across various sectors,
🌟 Find Your Balance with Oree Reality
Happy International Yoga Day! 🌿 At Oree Reality, we believe in the harmony of mind, body, and home. Just as yoga brings balance and peace, finding the perfect home can do the same for your life.
Signature Global TITANIUM SPR | 3.5 & 4.5BHK High rise Apartments in Gurgaonglobalsignature2022
Signature Global TITANIUM SPR launched a high rise apartments in Gurgaon . In this project Signature Global offers 3.5 & 4.5 BHK high rise Apartment at sector 71 Gurgaon SPR Road. Signature Global Titanium SPR is IGBC Gold certified, a testament to our commitment to sustainability.
2024 State of Marketing Report – by HubspotMarius Sescu
https://www.hubspot.com/state-of-marketing
· Scaling relationships and proving ROI
· Social media is the place for search, sales, and service
· Authentic influencer partnerships fuel brand growth
· The strongest connections happen via call, click, chat, and camera.
· Time saved with AI leads to more creative work
· Seeking: A single source of truth
· TLDR; Get on social, try AI, and align your systems.
· More human marketing, powered by robots
ChatGPT is a revolutionary addition to the world since its introduction in 2022. A big shift in the sector of information gathering and processing happened because of this chatbot. What is the story of ChatGPT? How is the bot responding to prompts and generating contents? Swipe through these slides prepared by Expeed Software, a web development company regarding the development and technical intricacies of ChatGPT!
Why is Revit MEP Outsourcing considered an as good option for construction pr...MarsBIM1
Outsourcing MEP modeling services require effective collaboration and coordination amongst multiple engineering trades. The engineers and the designers often change the details of the MEP projects, but the work of Revit MEP drafting services is having the master plan and model of the complete project. To have proper coordination and installation, there is a need to execute the project effectively. Hence, the work of Revit family creation facilitates the MEP engineers.
36,778 sq. ft. building; Zoning: SE (Suburban Employment): The (SE) District allows numerous commercial site uses; Passenger elevator; Private and common restrooms; Fully sprinkled; Data center with a grounded floor and a specialized HVAC system; 60 KVA back-up generator; Building/pylon signage; Potential to purchase adjacent parcels; Sale Price: $4,413,360
Listing Turkey - Piyalepasa Istanbul CatalogListing Turkey
We are working around the clock to transform a long-time dream into reality. As a result, Piyalepasa Istanbul will be the largest privately developed urban regeneration project in Turkey.
THE NEIGHBORHOOD WE HAVE BEEN LONGING FOR IS COMING TO LIFE
The good old days of the Piyalepasa neighborhood are being brought back to life with Piyalepasa Istanbul houses, residences, offices, hotels and a pedestrianized shopping avenue.
The wide streets of this 82.000 square meter development conveniently face the main boulevard in a prime Beyoglu location. “Piyalepaşa İstanbul” stands out as the only project designed to offer a neighborhood lifestyle, complete with its grocers, bagel sellers and greengrocer. Piyalepasa Istanbul has all the values to make it an authentic neighborhood, our very own community.
A NEIGHBORHOOD FULL OF LIFE, IN THE HEART OF THE CITY!
“Piyalepaşa İstanbul” is a “mixed-use” concept containing all the elements for a vibrant social life with houses, residences, offices, hotels and high street shopping.
“Piyalepaşa İstanbul” will take the liveliness of Istanbul into its heart. The elegant sparkle of Nisantasi, the young and colorful Besiktas, the variety and multicultural heritage of Istiklal Street will all be contained within the streets of this neighborhood.
“Piyalepaşa İstanbul” bears traces of the most beautiful examples of Turkish architecture from the Seljuks to the Ottomans and from Anatolia to Rumelia. With its graded facades, wide eaves, bay windows, pools, and interior courtyard systems, it offers a new living space without disrupting the city’s silhouette and neighborhood.
“Piyalepaşa İstanbul” is the new attraction of this splendid city.
TO BE AT THE CENTER OF ISTANBUL… THIS IS REAL LUXURY!
With its proximity to D-100 highway, connecting roads and tunnels, “Piyalepaşa İstanbul” is only minutes away from Kabatas, Besiktas, the Golden Horn and Karakoy.
“Piyalepaşa İstanbul” is close to the prestigious new Istanbul Court House, a major hospital, the Perpa trade center and the city’s most lively neighborhoods. With its shuttle service to Okmeydani Metrobus station, Sishane and the Court House subway stations, “Piyalepaşa İstanbul” will provide you with the most convenient transport connections.
https://listingturkey.com/property/piyalepasa-istanbul/
Expressways of India: A Comprehensive Guidenarinav14
India’s expressway network is a testament to the nation’s dedication to improving infrastructure and connectivity. These high-speed corridors facilitate seamless travel across vast distances, reducing travel time and fuel consumption
Eco Green Builders in Sydney By Marvel HomesMarvel Homes
Marvel Homes is dedicated to revolutionizing the construction industry with cutting-edge, eco-friendly practices. We specialize in designing and building energy-efficient, sustainable homes and commercial spaces that minimize environmental impact. Our projects feature renewable energy solutions, superior insulation, and innovative green technologies. Committed to reducing carbon footprints, Eco Green Builders combines expertise, innovation, and a passion for sustainability to create spaces that are as environmentally responsible as they are beautifully crafted. Join us in building a greener, more sustainable future.
https://marvelhomes.com.au/our-services/
Selling your home can be easy. Our team helps make it happen.Eric B. Slifkin, PA
Why hire one realtor when you can hire a team for the exact cost? Our team ensures better service, communication, and efficiency, which can make all the difference in finding your perfect home or securing the right buyer. See how we market homes for sellers.
The SVN® organization shares a portion of their new weekly listings via their SVN Live® Weekly Property Broadcast. Visit https://svn.com/svn-live/ if you would like to attend our weekly call, which we open up to the brokerage community.
Experience Premier Urban Lifestyle at Kohinoor Satori, Mahalungegraphicparadice786
Experience a harmonious blend of luxury and tranquility at Kohinoor Satori Apartments, situated in the rapidly developing locality of Mahalunge, Pune. These thoughtfully designed residences are crafted to offer a premium living experience, merging modern aesthetics with functional elegance.
Our mail-id-directsite369@gmail.com
Our Website- https://kohinoor.directsite.in/pune/kohinoor-satori-mahalunge/
Andhra Pradesh, known for its strategic location on the southeastern coast of India, has emerged as a key player in India’s industrial landscape. Over the decades, the state has witnessed significant growth across various sectors,
🌟 Find Your Balance with Oree Reality
Happy International Yoga Day! 🌿 At Oree Reality, we believe in the harmony of mind, body, and home. Just as yoga brings balance and peace, finding the perfect home can do the same for your life.
Signature Global TITANIUM SPR | 3.5 & 4.5BHK High rise Apartments in Gurgaonglobalsignature2022
Signature Global TITANIUM SPR launched a high rise apartments in Gurgaon . In this project Signature Global offers 3.5 & 4.5 BHK high rise Apartment at sector 71 Gurgaon SPR Road. Signature Global Titanium SPR is IGBC Gold certified, a testament to our commitment to sustainability.
2024 State of Marketing Report – by HubspotMarius Sescu
https://www.hubspot.com/state-of-marketing
· Scaling relationships and proving ROI
· Social media is the place for search, sales, and service
· Authentic influencer partnerships fuel brand growth
· The strongest connections happen via call, click, chat, and camera.
· Time saved with AI leads to more creative work
· Seeking: A single source of truth
· TLDR; Get on social, try AI, and align your systems.
· More human marketing, powered by robots
ChatGPT is a revolutionary addition to the world since its introduction in 2022. A big shift in the sector of information gathering and processing happened because of this chatbot. What is the story of ChatGPT? How is the bot responding to prompts and generating contents? Swipe through these slides prepared by Expeed Software, a web development company regarding the development and technical intricacies of ChatGPT!
Product Design Trends in 2024 | Teenage EngineeringsPixeldarts
The realm of product design is a constantly changing environment where technology and style intersect. Every year introduces fresh challenges and exciting trends that mold the future of this captivating art form. In this piece, we delve into the significant trends set to influence the look and functionality of product design in the year 2024.
How Race, Age and Gender Shape Attitudes Towards Mental HealthThinkNow
Mental health has been in the news quite a bit lately. Dozens of U.S. states are currently suing Meta for contributing to the youth mental health crisis by inserting addictive features into their products, while the U.S. Surgeon General is touring the nation to bring awareness to the growing epidemic of loneliness and isolation. The country has endured periods of low national morale, such as in the 1970s when high inflation and the energy crisis worsened public sentiment following the Vietnam War. The current mood, however, feels different. Gallup recently reported that national mental health is at an all-time low, with few bright spots to lift spirits.
To better understand how Americans are feeling and their attitudes towards mental health in general, ThinkNow conducted a nationally representative quantitative survey of 1,500 respondents and found some interesting differences among ethnic, age and gender groups.
Technology
For example, 52% agree that technology and social media have a negative impact on mental health, but when broken out by race, 61% of Whites felt technology had a negative effect, and only 48% of Hispanics thought it did.
While technology has helped us keep in touch with friends and family in faraway places, it appears to have degraded our ability to connect in person. Staying connected online is a double-edged sword since the same news feed that brings us pictures of the grandkids and fluffy kittens also feeds us news about the wars in Israel and Ukraine, the dysfunction in Washington, the latest mass shooting and the climate crisis.
Hispanics may have a built-in defense against the isolation technology breeds, owing to their large, multigenerational households, strong social support systems, and tendency to use social media to stay connected with relatives abroad.
Age and Gender
When asked how individuals rate their mental health, men rate it higher than women by 11 percentage points, and Baby Boomers rank it highest at 83%, saying it’s good or excellent vs. 57% of Gen Z saying the same.
Gen Z spends the most amount of time on social media, so the notion that social media negatively affects mental health appears to be correlated. Unfortunately, Gen Z is also the generation that’s least comfortable discussing mental health concerns with healthcare professionals. Only 40% of them state they’re comfortable discussing their issues with a professional compared to 60% of Millennials and 65% of Boomers.
Race Affects Attitudes
As seen in previous research conducted by ThinkNow, Asian Americans lag other groups when it comes to awareness of mental health issues. Twenty-four percent of Asian Americans believe that having a mental health issue is a sign of weakness compared to the 16% average for all groups. Asians are also considerably less likely to be aware of mental health services in their communities (42% vs. 55%) and most likely to seek out information on social media (51% vs. 35%).
AI Trends in Creative Operations 2024 by Artwork Flow.pdfmarketingartwork
Creative operations teams expect increased AI use in 2024. Currently, over half of tasks are not AI-enabled, but this is expected to decrease in the coming year. ChatGPT is the most popular AI tool currently. Business leaders are more actively exploring AI benefits than individual contributors. Most respondents do not believe AI will impact workforce size in 2024. However, some inhibitions still exist around AI accuracy and lack of understanding. Creatives primarily want to use AI to save time on mundane tasks and boost productivity.
Organizational culture includes values, norms, systems, symbols, language, assumptions, beliefs, and habits that influence employee behaviors and how people interpret those behaviors. It is important because culture can help or hinder a company's success. Some key aspects of Netflix's culture that help it achieve results include hiring smartly so every position has stars, focusing on attitude over just aptitude, and having a strict policy against peacocks, whiners, and jerks.
PEPSICO Presentation to CAGNY Conference Feb 2024Neil Kimberley
PepsiCo provided a safe harbor statement noting that any forward-looking statements are based on currently available information and are subject to risks and uncertainties. It also provided information on non-GAAP measures and directing readers to its website for disclosure and reconciliation. The document then discussed PepsiCo's business overview, including that it is a global beverage and convenient food company with iconic brands, $91 billion in net revenue in 2023, and nearly $14 billion in core operating profit. It operates through a divisional structure with a focus on local consumers.
Content Methodology: A Best Practices Report (Webinar)contently
This document provides an overview of content methodology best practices. It defines content methodology as establishing objectives, KPIs, and a culture of continuous learning and iteration. An effective methodology focuses on connecting with audiences, creating optimal content, and optimizing processes. It also discusses why a methodology is needed due to the competitive landscape, proliferation of channels, and opportunities for improvement. Components of an effective methodology include defining objectives and KPIs, audience analysis, identifying opportunities, and evaluating resources. The document concludes with recommendations around creating a content plan, testing and optimizing content over 90 days.
How to Prepare For a Successful Job Search for 2024Albert Qian
The document provides guidance on preparing a job search for 2024. It discusses the state of the job market, focusing on growth in AI and healthcare but also continued layoffs. It recommends figuring out what you want to do by researching interests and skills, then conducting informational interviews. The job search should involve building a personal brand on LinkedIn, actively applying to jobs, tailoring resumes and interviews, maintaining job hunting as a habit, and continuing self-improvement. Once hired, the document advises setting new goals and keeping skills and networking active in case of future opportunities.
A report by thenetworkone and Kurio.
The contributing experts and agencies are (in an alphabetical order): Sylwia Rytel, Social Media Supervisor, 180heartbeats + JUNG v MATT (PL), Sharlene Jenner, Vice President - Director of Engagement Strategy, Abelson Taylor (USA), Alex Casanovas, Digital Director, Atrevia (ES), Dora Beilin, Senior Social Strategist, Barrett Hoffher (USA), Min Seo, Campaign Director, Brand New Agency (KR), Deshé M. Gully, Associate Strategist, Day One Agency (USA), Francesca Trevisan, Strategist, Different (IT), Trevor Crossman, CX and Digital Transformation Director; Olivia Hussey, Strategic Planner; Simi Srinarula, Social Media Manager, The Hallway (AUS), James Hebbert, Managing Director, Hylink (CN / UK), Mundy Álvarez, Planning Director; Pedro Rojas, Social Media Manager; Pancho González, CCO, Inbrax (CH), Oana Oprea, Head of Digital Planning, Jam Session Agency (RO), Amy Bottrill, Social Account Director, Launch (UK), Gaby Arriaga, Founder, Leonardo1452 (MX), Shantesh S Row, Creative Director, Liwa (UAE), Rajesh Mehta, Chief Strategy Officer; Dhruv Gaur, Digital Planning Lead; Leonie Mergulhao, Account Supervisor - Social Media & PR, Medulla (IN), Aurelija Plioplytė, Head of Digital & Social, Not Perfect (LI), Daiana Khaidargaliyeva, Account Manager, Osaka Labs (UK / USA), Stefanie Söhnchen, Vice President Digital, PIABO Communications (DE), Elisabeth Winiartati, Managing Consultant, Head of Global Integrated Communications; Lydia Aprina, Account Manager, Integrated Marketing and Communications; Nita Prabowo, Account Manager, Integrated Marketing and Communications; Okhi, Web Developer, PNTR Group (ID), Kei Obusan, Insights Director; Daffi Ranandi, Insights Manager, Radarr (SG), Gautam Reghunath, Co-founder & CEO, Talented (IN), Donagh Humphreys, Head of Social and Digital Innovation, THINKHOUSE (IRE), Sarah Yim, Strategy Director, Zulu Alpha Kilo (CA).
Trends In Paid Search: Navigating The Digital Landscape In 2024Search Engine Journal
The search marketing landscape is evolving rapidly with new technologies, and professionals, like you, rely on innovative paid search strategies to meet changing demands.
It’s important that you’re ready to implement new strategies in 2024.
Check this out and learn the top trends in paid search advertising that are expected to gain traction, so you can drive higher ROI more efficiently in 2024.
You’ll learn:
- The latest trends in AI and automation, and what this means for an evolving paid search ecosystem.
- New developments in privacy and data regulation.
- Emerging ad formats that are expected to make an impact next year.
Watch Sreekant Lanka from iQuanti and Irina Klein from OneMain Financial as they dive into the future of paid search and explore the trends, strategies, and technologies that will shape the search marketing landscape.
If you’re looking to assess your paid search strategy and design an industry-aligned plan for 2024, then this webinar is for you.
5 Public speaking tips from TED - Visualized summarySpeakerHub
From their humble beginnings in 1984, TED has grown into the world’s most powerful amplifier for speakers and thought-leaders to share their ideas. They have over 2,400 filmed talks (not including the 30,000+ TEDx videos) freely available online, and have hosted over 17,500 events around the world.
With over one billion views in a year, it’s no wonder that so many speakers are looking to TED for ideas on how to share their message more effectively.
The article “5 Public-Speaking Tips TED Gives Its Speakers”, by Carmine Gallo for Forbes, gives speakers five practical ways to connect with their audience, and effectively share their ideas on stage.
Whether you are gearing up to get on a TED stage yourself, or just want to master the skills that so many of their speakers possess, these tips and quotes from Chris Anderson, the TED Talks Curator, will encourage you to make the most impactful impression on your audience.
See the full article and more summaries like this on SpeakerHub here: https://speakerhub.com/blog/5-presentation-tips-ted-gives-its-speakers
See the original article on Forbes here:
http://www.forbes.com/forbes/welcome/?toURL=http://www.forbes.com/sites/carminegallo/2016/05/06/5-public-speaking-tips-ted-gives-its-speakers/&refURL=&referrer=#5c07a8221d9b
ChatGPT and the Future of Work - Clark Boyd Clark Boyd
Everyone is in agreement that ChatGPT (and other generative AI tools) will shape the future of work. Yet there is little consensus on exactly how, when, and to what extent this technology will change our world.
Businesses that extract maximum value from ChatGPT will use it as a collaborative tool for everything from brainstorming to technical maintenance.
For individuals, now is the time to pinpoint the skills the future professional will need to thrive in the AI age.
Check out this presentation to understand what ChatGPT is, how it will shape the future of work, and how you can prepare to take advantage.
The document provides career advice for getting into the tech field, including:
- Doing projects and internships in college to build a portfolio.
- Learning about different roles and technologies through industry research.
- Contributing to open source projects to build experience and network.
- Developing a personal brand through a website and social media presence.
- Networking through events, communities, and finding a mentor.
- Practicing interviews through mock interviews and whiteboarding coding questions.
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The six step guide to practical project managementMindGenius
The six step guide to practical project management
If you think managing projects is too difficult, think again.
We’ve stripped back project management processes to the
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5. Rates for $75,000 of HO Coverage:
1993 2014(filed)
Charlotte
$ 351
436
Gaston, Mecklenburg, Union
350
436
Ashe, Buncombe, Burke
312
431
Alamance, Guilford, Davidson
350
477
Currituck, Dare, Hyde (obx)
578 2,178
Currituck, Dare, Hyde mainland
417 1,121
www.nc-20.com
5
6. Flood Insurance
The Impact of the Biggert-Waters
Flood Insurance Reform Act of 2012
July 27, 2012
www.nc-20.com
6
7. DHS – Department of Homeland Security
FEMA – Federal Emergency Management Agency
NFIP – National Flood Insurance Program
www.fema.gov; www.floodsmart.gov; www.ncfloodmaps.com
FIRM – Flood Insurance Rate Maps
www.Region2Coastal.com
Pre-FIRM – prior to effective date of Flood Maps
SFHA – Special Flood Hazard Area
CRS - Community Rating System
BW-12 –Biggert-Waters Act of 2012
WYO – Write Your Own Companies, 90 in US that write
flood insurance through NFIP.
*NMG – No More Grandfathering
7
8. BFE – Base Flood Elevation
V-Zones: Coastal high-velocity zones
A-Zones: Non-velocity zones, which are
primarily riverine zones
X-Zones: Zones outside the Special Flood
Hazard Area.
8
9.
“the most costly and prevalent natural disaster risk
in the United States…”
1968 – Post extreme flooding events, Congress
authorized the NFIP to reduce property losses from
flood peril and public spending to compensate
disaster victims. Private insurance companies were
not willing to write coverage for flood risk.
National Flood Insurance Act of 1968 mandates
that coverage be widely available and affordable.
FEMA administers NFIP and sets rates based on
100-year floodplain of potential flood hazards.
52% of US population lives within 50 miles of a
watershed area. (NOAA)
9
10.
Flood insurance required on federally backed
mortgages.
22,000 communities in ALL states and territories
participate in the NFIP
5.6 million policies
$1.2 trillion in exposure (structure and contents).
2012 premiums: $3.5 billion
NFIP not required to have statutory reserves.
From 1978 thru 2012, the NFIP has collected $6
Billion more in premium than claims paid.
10
11. WYO Program created in 1983. Allows companies to
write and service the NFIP in their name without bearing
the risk.
Ninety private WYO companies write policies, and
process, settle, pay and defend all claims.
More than 1/3 of NFIP premiums collected goes to WYO
companies and agents.
NFIP pays WYOs 15.6% of premiums as Expense
Allowance (advertising, policy writing, general
expenses, etc.); a 15% Commission Allowance; an add’l
2% if WYO meets 5% net growth in policies; Post-flood
event – NFIP pays claims adjustment expenses PLUS
3.3% of each claim settlement for processing expenses.
(This was adjusted after Katrina to prevent windfall to
companies)
FEMA does not know how much paid to WYO companies
covers expenses vs. how much is profit.
11
12.
Financially sound for over three decades.
Successful in enacting local floodplain
ordinances & compensating property owners
for flood loss.
2005 – Hurricanes Katrina, Rita and Wilma $$$
◦ Forced NFIP to borrow $21 Billion from US Treasury
Program’s insolvency blamed on four major flaws:
Does not charge full risk-based premiums for all
properties
Repetitive loss properties
Mapping – outdated
Residual risk properties – exempts properties
behind flood-control structures (levees and dams).
12
14. The Good News:
Reauthorizes the NFIP for 5 years!
The Not-So-Good News:
Four Major Reforms
Amendments to coverage, rate and premium
structures.
Requirement for repayment plan and reserve
fund.
Updates to Mapping Program.
Amendments to eligible mitigation activities.
14
15.
Rates are based on BFE and flood zone.
BW-12 will make the NFIP more financially stable
by raising rates to reflect true actuarial flood risk.
FEMA reports 78% of policyholders already pay
actuarial premiums. True risk is debated. (CRS)
“Charging rates that fully reflect flood risk
arguably would discourage development in the
most risky areas.”
Consideration will now be given to historical loss
data including catastrophic years and other factors
such as coastal storm surge and climate change.
15
16. Subsidized (discounted rates) removed from
pre-FIRM non-primary residences.
Rates will increase 25% a year until
actuarial rates achieved.
If your non-primary residence (lived in less than
80% of the year) was built prior to approximately
1974 and has had no major repairs or renovations,
then the policy premium is most-likely discounted.
Only 20% of policyholders (approx. 1.1 million) pay
subsidized rates AND only 5% are second home
policyholders.
16
17.
Average 10% overall rate increase.
◦ V-zones: post-FIRM 11%; pre-FIRM 17%
◦ AE-zones: post-FIRM 6%; pre-FIRM 16%
◦ X-Zones: Standard rated policies 8%; Preferred
risk policy (PRP) written under the PRP Eligibility
Extension 19%; all other PRP, no change
Reserve fund (mandates $12 billion) - assessment
of 5% for all policies – will be included in overall
rate increases.
New Application Forms and Elevation Certificate
requirements.
No extension of subsidy discount to new or lapsed
policies for pre-FIRM properties in SFHAs.
◦ Does not apply to rollovers, transfers, or rewrites.
17
18. Rates to increase 25% a year for other subsidized
discounted:
Commercial properties.
Severe repetitive loss properties (more than 4 claims).
Properties that have incurred flood-related
damages where claims payments exceed fair
market value.
Full risk rates will also apply to policies written for
newly purchased property.
◦ Effective for renewals post 10/1/2013 of subsidized
discounted properties if purchased after July 6, 2012.
◦ Does not apply to gifts, transfers of ownership, or
assignments to estate or trust in which purchase did not
take place. (LLCs)
18
19. Severe Repetitive Loss Properties (RLPs)
Disproportionate large share of all claims.
Approximately 1% of all NFIP properties
historically account for over a third of claims
paid.
90% of RLPs Pre-FIRM
NC RLPs – through 2011
◦
◦
◦
◦
$474.5 million in claims paid
24,136 claims on 8,664 properties
Average payment per claim $19,658.17
Total average payment per property $54,709
19
20.
Premium rates for other properties, including
non-subsidized discounted properties, will
increase as new or revised flood insurance rate
maps become effective. Full risk rates will be
phased in for these properties. You will no longer
be allowed to continue to pay to the zone and
elevation in place at time of construction. Your
primary residence could be affected!
NO More Grandfathering!
“Even if you build to minimum standards today, you
will be subject to significant rate increases upon
remapping if your flood risk changes in the future.”
20
21.
Increases the limit for annual rate increases
from 10% to 20% per year.
Allows for premium payments – either annually
or in more frequent installments.
Lenders will be required to escrow payments
and will be in control of claim payments to
ensure repairs are made.
Increased deductibles: pre-FIRM up to
$100,000 of coverage - $1,500, pre-FIRM over
$100,000 - $2000
Post-Firm deductible: up to $100,000 $1,000, over $100,000 - $1,250
21
22.
Revised flood maps are due from NFIP in
2014. NC Floodplain Mapping Program
estimates Dare’s preliminary maps will be
released July 2014.
There will be a new mapped zone – the
“Coastal A Zone”.
◦ Behind the V zone and other areas that experience
a limit of wave action 3 ft. to 1 ½ ft.
◦ Could affect all soundfront property owners.
22
23.
Establishes a Technical Mapping Advisory Council
that would advise FEMA on improving accuracy;
on standards that should be adopted for flood
maps, data and map maintenance; and on
funding needs and strategy which could include
the purchase of reinsurance.
TMAC to develop recommendations for future
conditions, including impacts of sea level rise, to
determine rates.
“The reforms will help communities looking to
adapt to climate change. “
23
24.
Be proactive and contact your insurance agent.
Ask how the changes are going to affect your
policy. Check your dwelling value!
Get a new elevation certificate to determine base
flood elevation. This determines your rate.
Higher deductibles might lower your premium
“Consider Remodeling or Rebuilding” – build
higher, add vents to foundation or use breakaway walls.
Community-wide mitigation steps?
Provide input and feedback!
ncinsurancehelp@gmail.com
24
25.
Second Home Debate – MOOT POINT!
◦ Second Home Pre-FIRM policies only make up about 5% of
total NFIP policyholders.
◦ Second Home policyholders do not have Replacement Cost
Coverage – they only have ACV coverage.
◦ Taxpayers are NOT Subsidizing Flood Insurance for BIG Second
Homes/Vacation Homes.
The definition of NFIP SUBSIDY.
The amount of additional premium revenue BW-12
would generate.
The amount of interest NFIP policyholders have paid on
the debt from Hurricane Katrina.
The detrimental impact of BW-12 on middle class
mortgage holders.
◦ Unable to pay exorbitant premium, unable to sell, foreclosure
◦ Lower market value, decreased local tax revenues
25
26. Regardless of the size of the structure, the NFIP residential
structure policy limit is $250,000.
26
27. Pre-FIRM oceanfront Motel in Kill
Devil Hills. Owner will start seeing
a 25% increase in rate a year until
the actuarial risk rate is achieved.
Owner currently pays $5,600 a
year for flood insurance. To find
out what his ultimate premium
would be once phased in, he
asked his agent what a new
owner would have to pay if he
sold the property. The owner
was told the premium would be
approximately $55,000.
www.nc-20.com
27
28. The Senate will likely vote next week on
S. 1846 - Flood Insurance Affordability Act
This bill would delay the loss of grandfathering and
other burdensome provisions of BW-12 for 4 years.
Call NC Senators and tell them to support
this bill!
SENATOR RICHARD BURR (202) 224-3154
SENATOR KAY HAGAN (202) 224-6342
28
29. Willo Kelly
President, NC 20
www.nc-20.com
Government Affairs
Outer Banks Home Builders Association
Outer Banks Association of Realtors
ncinsurancehelp@gmail.com
(252) 202-7927
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