This episode of "Insurance Hour" explores the concept of social inflation and its impact on insurance claims and premiums. It explains how cultural shifts in attitudes towards insurance claims contribute to higher payouts and, consequently, higher premiums. The episode suggests a societal need to reconsider our approach to insurance, emphasizing insurance as protection for significant losses rather than a refund mechanism. This change in perspective is proposed as a solution to mitigate the effects of social inflation.

Insurance Hour is hosted by renowned insurance expert Karl Susman. Karl is a frequent guest on television stations such as ABC, CBS and FOX, and now his popular radio program is syndicated across several key radio stations throughout California.

Listeners can now tune in to Insurance Hour on:
-- KMET 1490 AM & 98.1 FM
-- KALZ 1400 AM
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-- KSTE 650 AM
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In addition to traditional radio, Insurance Hour has embraced the digital age. The program is available on several popular streaming platforms, ensuring that listeners can access the show at their convenience.

Audiences worldwide can now enjoy Insurance Hour at InsuranceHour.com, on YouTube, Amazon Music, Tuneln, Alexa, Apple Podcasts, and the iHeartRadio app.

For more information about "Insurance Hour" and its programming, please contact Lara Starr at pr@insurancehour.com

In this episode Adam and Lou talk about your rights when it comes to returning those unwanted gifts and the best way to navigate through the January sales. 

Please like, subscribe and rate to help increase the reach in the UK. You can also follow us on socials:
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Find the full transcript for this episode and other resources for coaches at prosperouscoach.com/244.

Also mentioned:
Episode 243 about how to prevent refund requests 
Fill out the application to work with me in my VIP mentoring program for coaches.

In my first year of helping coaches to build their coaching business, one of my clients asked for a full refund after I spent 6 months of private work with her. I was floored and had not seen this coming!

I found out later that she had asked for a full refund from her coaching training school as well and I knew that this was really about her needing money.

I had a phone conversation with her and told her that I couldn’t in good conscience refund her because I had already given her my time and her post program results were her responsibility — something I could not control. 

But she threatened to complain to Visa, Better Business Bureau and PayPal, so I gave her a full refund to remove those threats. 

I thought it was just as well that she wouldn’t be a coach. And, I felt compassion that her financial straits were such that she was searching for money.

I will never again give a full refund for time that I already spent one on one with a client unless my integrity is clear that I should.

• Rhonda Hess helps new coaches leverage their zone of genius into a profitable coaching niche and launch with confidence.
• For VIP step-by-step support apply for Rhonda's VIP Coaching Business Breakthrough Program here and she'll be in touch to invite you a discovery call.
• Or if you're stuck on your coaching niche, grab a Nail Your Niche Strategy Session with Rhonda here.

People living in several villages across the county say they're shocked as operators make more cuts to bus services.

Routes across the Folkestone and Hythe district as well as Ashford are set to stop due to a lack of demand and rising costs. 

Also in today's podcast, children are among nine people at a birthday party who have fallen ill after playing in the River Medway. 

They've all been suffering similar symptoms after swimming at the spot in Maidstone. 

Frustrated festival goers who had tickets to a cancelled event in Gillingham say they're still waiting for refunds. 

That's despite being told they could have their money back when organisers changed the venue to Essex. 

A sign that welcomes people to Kent as they arrive off ferries in Dover has been labelled "shameful" after being covered with graffiti. 

Locals say the embarrassing tags have been there for more than a week. 

And in sport,  Kent's cricketers have made it four wins in a row in the T20 Blast after beating Sussex last night.

They're now 5th in the south group table ahead of a trip to Essex tomorrow.

There are protections in place if you are let down by a business when asking for a refund. Its always best to pay by credit card because that offers you protection under Section 75 of the Consumer Credit Act. Adam and Lou talk about how and when you can use it with some amusing examples. 

Please like, subscribe and rate to help increase the reach in the UK. You can also follow us on socials:
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Today host Julie Hood talks about refunds and some of the decisions you'll need to make around your guarantee and refund policies to maximize your course revenue. See the full course notes and links at https://CourseCreatorsHQ.com/139


LINKS MENTIONED   

Get the free mini-course... Is My Course Idea Any Good? here.  


KEY TAKEAWAYS FOR ONLINE COURSE CREATORS

Your refund and guarantee policy can definitely impact how many sales you make - especially for people who are on the fence. 

Standard advice is that a 365-day refund period is the most likely to help you get more sales. However, there are some downsides. 

As the course business owner, you get to decide!

When putting together your policy, answer these 5 questions:

1. Does your course hosting or tools have a specific refund policy?
2. Are you subject to any other legal requirements?
3. Are you a "no questions asked" refund?
4. Will you require some proof of work completed to refund?
5. How will they receive their refund?

For the next few weeks, read guarantees and see which ones you like or don't like!

Also, don't take refund excuses personally - or too seriously - unless you get a bunch of them. 

Remember, refunds are simply a cost of doing business - similar to paying for your tools or your website hosting.  

COME VISIT!  

FREE 2023 Ultimate Course Creators Planner -  https://coursecreatorshq.com/2023planner  

Sign up for my email list and get this free course  Is My Course Idea Any Good? here.   

GoodPods 
Let’s talk about this episode on GoodPods – https://CourseCreatorsHQ.com/goodpods (mobile only, download the app first) 

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Connect with me on Clubhouse for FREE masterclasses at @JulieHood.

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Today our lovely ladies take us on a rollercoaster ride and anything goes as usual - Instacart shoppers, candy advertisements, bathroom scales - they touch on them all. Just. Press. Play!

Mark and Ryan talk about how the news is reported, Mark's issues with doctors, and asking for refunds.

We chat about an interesting gamer known as KingQuad49er. He's paralyzed... and plays COD with his mouth!

SCUF Reflex Pro keeps selling out, company releases more colours and scalpers go crazy.

The Hitman trilogy will be available on Xbox Game Pass soon.

Sony are going to build an extra 1 million PS4 consoles to keep up with demand. Yes, PS4.

Steam start issuing refunds to unhappy Battlefield 2042 players. No one is playing this game anymore.

Pokimane and several other Twitch streamers have been getting banned.

G4 is back,,, and is causing drama.

Logan Paul spends $3.5 million on fake Pokemon cards.

Silent Hill remake using Unreal Engine 5.

Game release predictions 

Dying Light 2: Stay Human will take 500 hours to complete?

This episode recaps the major consumer set-backs of 2021, which, during a pandemic, are inexcusable. We cover three terrible CRTC decisions that will make your wireless phone and home Internet connections much more expensive.  We cover a mega-merger that will raise prices and reduce choice. We recap the airline refund fiasco and finish up with banking problems and a warning about crypto-assets.  Fun fun fun.  See you next year!

Episode 86

In this week's episode, we talk about:

What's going on with Spirit Airlines and its cancellations.

In this episode, Kerwin talk about what's going on with Spirit Airlines' operational issues and gives you some insight into why the airlines are having issues with staffing.

Kerwin also talks about the contract of carriage for Spirit Airlines and how it relates to cancellations. What is covered and why you should ensure you have travel insurance.

Kerwin also looks at what it would cost to buy a next day ticket for some of the destinations so you get a chance to see the predicament that the travelers are in.

Where To Find Us

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• iHeart Radio
• Listen Notes
• Podcast Addict
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• Spotify

With airline revenues decimated by the Covid-19 pandemic, it would seem that investment in rolling out IATA's New Distribution Capability (NDC) has come to a standstill. 

A Sabre executive recently said that "the vast majority of airlines have paused or completely stopped their NDC activity".  

Certainly, there has seemed to be little public activity around NDC. But is that really the case?  Has Covid derailed NDC or has it spurred airlines and intermediaries into working harder behind the scenes to make it a reality?

IATA recently held its Business Travel summit and NDC developments mentioned there show that things have moved apace. Many airlines have also announced new NDC-powered initiatives. 

On the latest episode of the Week in Review podcast, regular host Mark Frary is joined by Claudia Adams of Allianz , Lydie Charpin of Amadeus, Aman Pourkarimi of Gray Dawes Group and  Paul Tilstone of Festive Road.

They discuss GDS strategies around NDC, the version 21.3 standard coming in September and whether corporates really are seeing the benefits.

BRIGHT FAMILIAR is finished! Also the standalone novella THE LONG NIGHT OF THE CRYSTALLINE MOON is out! Thoughts on rain after drought, overextending, recovery, and apologies for being behind on Things.

You can find BRIGHT FAMILIAR here (https://jeffekennedy.com/bright-familiar).
And THE LONG NIGHT OF THE CRYSTALLINE MOON is here  (https://jeffekennedy.com/the-long-night-of-the-crystalline-moon).

You can watch the You Tube video of the podcast here (https://youtu.be/au4pz7BTL0I).

First Cup of Coffee is part of the Frolic Podcast Network. You can find more outstanding podcasts to subscribe to at Frolic.media/podcasts!

Contact Jeffe!

Tweet me at @JeffeKennedy
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Thanks for listening!

One of the biggest issues in the travel sector since the start of the pandemic has been the thorny issue of refunds.

When global travel was effectively stopped, the industry had to work out what to do about the tickets that had already been paid for. Companies and individuals had paid out billions of euros, pounds and dollars on tickets that would no longer be used. 

Where did that money sit? Could you get it back and within what timescale? Some airlines said they wouldn’t give money back but only issue vouchers. Some in the industry faced an existential crisis because of the refund demands.

The repercussions of the decisions made at that time are still playing out in the sector.

The German Business Travel Association (VDR) has been calling for airlines to only take payment at the moment of departure in order to resolve the issue. Lufthansa has now made changes to its Pay-as-you-F|ly scheme for corporates to allow this. Will other airlines follow suit?

The discussion features Christoph Carnier, president of the VDR, Guillaume Bizet of Areka Consulting and David Bishop of Gray Dawes Group along with regular host Mark Frary.

Travel PR and B&B owner Sam Marsh, with Ryan Haynes - travel marketing specialist review the trends news and stories from across the sector. 

In the first episode of this magazine edition, we look at; 

• The impact on the car rental sector with news from Your Car and Hertz,
• What's happening in the student travel space with Trek America and STA
• New products launching in covid time with the 70-day bus trip to India 

 
We're also join by special guest Antony Price (min 09:00) from the airline industry who has worked with Air New Zealand, British Airways and Royal Brunei Airlines. In our chat we discuss 

• The Etihad wellness programme 
• Flight Refunds/ Change fees
• Air-bridges, and which airlines are fragile
• Wizz Air launching new routes
• What the future of air travel looks like
• OMIO's potential disruption of transport

Antony tells us about his career to-date (min 29:00), before we look at important tech with Michael McCartan (min 36:40) and the prominence of business intelligence and data for real recovery.

Our final section, Sam and Ryan look at a marketing trend (min 43:00), and why and how you can implement this for your business, here we look at news-led marketing

Listen to more episodes of the hospitality industry podcast Travel Market Life and subscribe for the latest news at http://travelmarket.life/

Follow us on LinkedIn for more thought-provoking content: https://www.linkedin.com/company/travel-market-life/

Do you have a story to share about technology, digitalisation or culture changes within the hospitality and travel industry? We'd love to hear what your company is doing and the impact it is having. Please contact us through http://travelmarket.life/

The pandemic has highlighted major issues in the way in which travel companies handle consumer booking money, and how this is managed - where some companies have struggled to pay back customers when holidays have been cancelled because they have not protected these funds. We're joined by Jacqui Cleaver from Protected Trust Services as she explains the importance of ring-fencing consumer money and why more than ever we need transparent financial practices. 

We look into Package Travel Regulation compliance, the future of ATOL, and the pickle travel companies will find themselves in if they don't put new financial procedures in place to prevent consumer money being used as cashflow.

Listen to more episodes of the hospitality industry podcast Travel Market Life and subscribe for the latest news at http://travelmarket.life/

Follow us on LinkedIn for more thought-provoking content: https://www.linkedin.com/company/travel-market-life/

Do you have a story to share about technology, digitalisation or culture changes within the hospitality and travel industry? We'd love to hear what your company is doing and the impact it is having. Please contact us through http://travelmarket.life/

This week, Mike and regular Doug, talk about the RTX 2021 update, Yogscast joining the RT site, the free masks included with any purchase from the RT Store, and then we go out in the grapes and briefly talk about "Cheers"and the show "Waco".

RT Talk is a weekly podcast about the company RoosterTeeth. Sit down with Mike and Doug as they talk about some of the most recent happenings at the company, their own lives, and share their opinions on various productions. RT Talk is completely a fan made podcast and is in no way affiliated with RoosterTeeth. It would be a lot better if they made it.

We're joined by Sophia Melas from Fly Now Pay Later where we look at the implications of refunds, cancellations and covid-19 on terms and conditions and future policies. We explore ways in which the sector should manage payments, cashflow and protecting consumer money in the future.

Listen to more episodes of the hospitality industry podcast Travel Market Life and subscribe for the latest news at http://travelmarket.life/

Follow us on LinkedIn for more thought-provoking content: https://www.linkedin.com/company/travel-market-life/

Do you have a story to share about technology, digitalisation or culture changes within the hospitality and travel industry? We'd love to hear what your company is doing and the impact it is having. Please contact us through http://travelmarket.life/

When you’re just getting started, it’s easy to get caught up obsessing over money. Especially if you’re overwhelmed, struggling to get by and counting on every dollar to keep the lights on. But no matter how difficult it gets, it’s crucial you stay focused on the most important things and never let yourself fall over to the dark side.

Recently, I came across a post in a business group that I follow, which urged people to send customers who don’t pay you or who owed them money to collections. And I was completely horrified! That is awful advice and not the way you should run a service-based business.

It’s true, usually when you’re getting started the money is can get very tight. But you must never allow yourself to get sucked into thinking it’s more important than the way you run your company. It will kill your business, make no mistake about it.

So for this week’s episode, I’ll be sharing my story of how I’ve learned this lesson the hard way and why over-delivering played a crucial role in my success.

Key Takeaways for This Week:

• Should you send customers who owe you money to collections? (0:42)
• My struggles with selling the first iteration of my software (1:23)
• Not knowing how to handle refunds almost cost me my business (3:40)
• The benefits of putting yourself in your customer’s shoes (5:38)
• How to win people over with integrity (8:12)
• How did learning to let go affect my business? (10:42)

Additional Resources:

• Get a free trial to Credit Repair Cloud
• Sign up for the Credit Hero Challenge

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