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An immersive online music experience

Seven day fly through

of debut album Paper Plane

✓  UNIQUE content delivered directly to your inbox

✓  GET the entire album for free in the format you like

✓  DISCOVER the stories and meanings behind the songs

✓  COME behind the scenes and witness the album creation

✓  MEET the musicians and fascinating characters involved

✓  SOLVE daily challenges and find hidden content

✓  COMMUNICATE with me and I'll respond

✓  TAKE the journey at a time that suits you

The  journey  begins  in:

“...strong melody, hooks with teeth and vocal that means it...”

“...a talented guitarist with personality in his voice...”

Nick Churchill

A FolkCast featured artist

"A songwriter and performer with a delicate multi layered style that is increasingly rare these days"

Jason Burgess, promoter

It's good to meet you

Welcome. I’m really excited to be releasing my debut album Paper Plane, and to be doing this in a completely new way.

This seven-day Paper Plane ride is an experiment and I'm hoping it will make a significant difference for people looking to hear new music.

The problem

The industry has a complete stranglehold on the music people hear. Musicians rarely get heard unless they fit the industry mould and pass through their filters.

So it can therefore be very hard for listeners to find new music of a type they really like - or simply discover something a bit different.

My dream

By avoiding the old record companies, I hope to bridge this gap and reach out directly to people, no matter where they live in the world. There will be no middle men, no industry filters and no manipulation of our tastes.

I am part of a small movement of indie musicians striving to achieve this. Exciting times!

Come inside. You will discover the personal inside stories and experience an album in a way that has not been done before.

The industry has such a stranglehold on the music people hear, it can be really difficult to find new music of the type you really like.

I want to bridge that gap.

Get to know me and my music. I am here, I can be contacted and I will respond

Behind the scenes

Come on an immersive seven-day musical ride with me. I’ll be giving you my entire album for free in a way that suits you - either as downloads or through online streaming if you prefer.

I’ll take you behind the scenes to see how my music was inspired and created. We can explore the meanings behind the songs and meet some of the fascinating characters who have made the album happen.

I’ll be giving you intimate 1 to 1 solo acoustic performances,  you can watch recordings of live gigs and official music videos, as well as my personal comments. Through this process, you will get to know me, and I hope I will get to know you.

The theme

Many of my songs are about breaking free of the constraints that hold us back and prevent us attaining our goals - and a lot of these barriers reside in our own psyche rather than being inflicted on us.

Some songs are sad and wistful, others are strong and positive. I attempt to reach out not only through the lyrics, but more deeply through melody and chord progressions, carrying emotion directly to the heart.

The musical journey tracks these elements of life, day by day.

Direct to your inbox

Book your place below, and I’ll send you a link by email every day for seven days, delivering the experience directly to your inbox. You will be able dip into these whenever you like.

The links will take you to private pages on my website that are exclusive to the Paper Plane ride and are not available anywhere else.

You can unsubscribe whenever you want by clicking the unsubscribe link in any of the emails. See my Privacy Policy.

The magic of music

I believe music is fundamental to life, it's to be listened to, taken in and explored. For me, music has never been a background to other things, it's too powerful for that.

If you're someone who becomes completely absorbed in the music you hear, and it carries you to a different world, then we have so much to explore together.

To come with me on this exciting journey, click the button below and join up for a unique musical event.

I'll then send you a link a day to the online experience.

Beautiful!  Well done.  Wonderful words

Rita Tisiga

What a beautiful piece of music. It brought tears to my eyes listening to it!

Lisa Neal

You have a great voice and your song is heartfelt. I love your song

Rosauro Lugo

I love the way Richard sings with emotion and gently

Pip Lawson-Smith

Such a beautiful voice. I love the clarity of your tone

Teresa Tuan

Paper Plane Ride. Copyright Richard Sutton 2018.  All rights reserved


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CB Creative Bloq deems Amsel's RAIDERS poster #1

Cavan Scott's Creative Bloq has placed Amsel's rerelease poster for RAIDERS OF THE LOST ARK at the very top of his 25 top movie posters of all time. Who am I to argue?

The list includes work from illustrators John Alvin, Drew Struzan, Roger Kastel, and Tom Jung, along with a number of digitally made photographic selections.

The Raiders trilogy harked back to a time when men were real men, women were real women, and swarthy racial stereotypes were real swarthy racial stereotypes. This comic-book style poster design by Richard Amsel is a young boy's dream – full of swashbuckling adventure, foreign devils and a splash of romance.

Amsel, who died in 1985, also created iconic poster art for 1980s blockbusters Flash Gordon and The Dark Crystal. "If I paint or draw something that takes people into the realm of fantasy, then I feel that I've accomplished something," he once told Star Notes magazine. He certainly did in this case.

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Tuesday, February 23, 2010

Scrambled Eggs

I'm not much of a cook. That much I have to admit. On the way home tonight I kept trying to think of something I wanted to eat but drew a blank.
When I got home I looked through the fridge for some left-overs but none of them looked that good either.
I decided to scramble me some eggs. Eggs, I can do.  They weren't too bad. Jilda's scrambled eggs are fluffy as clouds. Mine favored roadkill that I'd scraped up with a stick, but I was getting hungry and they tasted pretty good.
Jilda heads home tomorrow. I got text updates from her all day and she said it's been interesting. I can't wait for her to get home to give me the scoop.
I stayed up late last night so I'm running out of gas tonight.
Happy Tuesday

1 comment:

  1. Butterfield's restaurant adds a little pancake batter to their omelets. Makes them fluffier.

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Thursday, June 05, 2014

It's the stories

There's a plant in the corner of our deck that we've had almost as long as we've been married. Jilda's mom gave it to her, but her mom had gotten it from Jilda's grandmother. I'm sure the plant has a story even beyond that, but I'm not the one to tell it.
One thing aging has taught me is that most of the things we have in our home that we cherish, have a story. Very little of what we have would be considered valuable unless they could somehow tell their story.
Wouldn't that be a cool invention? The ability to put a chip into the things we love that could tell their story.
The bowl on our coffee table might tell this story:
I am a bowl, carved from the stump of an Irish Ash tree by Dominique Madden. The Irishman pulled a burning chunk of wood from a fireplace one night when he was performing with Rick and Jilda at Characters Pub in Tullamore Ireland. Dominique stomped the fire from the chunk of wood with his boot and told Jilda, "I'll make you something out of this."
A few months later, he mailed the bowl to the Watsons with a poem he'd written entitled "Bowl with a hole." I've been a candy dish on their coffee table since 1999.
When we are gone, the relatives left will sort through our things and wonder why this odd assortment of things meant enough to us to keep. The answer is simple, it's the stories.

Bleeding heart that once belonged to Jilda's grandmother

  1. Awe.. I like this Rick... this is the truth, the things we keep have stories, maybe we should write some of them down so that people will know why they were important :)

  2. I like this and agree with it. I love a story about a story..... good one!

  3. You have touched on a topic that I dearly love: the story behind it.
    Love this blogpost.

  4. Good observation! Yes, it would be so cool if we could listen to the story of things. I believe that all items have a sentimental value and hence I become a hoarder of things :P

  5. Very true. It's the story that makes things precious.

    Moody Writing

  6. Rick this is so awesome. I love that story and I hope it gets passed down through generations and generations. Perhaps Jordan can pass it down to his children someday? :)

  7. You are so right. Everything has a story to tell. I have an heirloom plant and I've intended to tell it's story on my blog post and I even took pictures of it last week with the intention of telling it's story and you have inspired me. Thanks.

  8. Dear Rick, this is a thought-provoking posting as it makes me look around my office as I sit here blogging and really think of the stories surrounding all the lovely things in this room--Suzy the doll given to me by Santa Claus when I was eight; the paper-mache giraffe that I bought at Antioch College in Yellow Springs, Ohio, way back in 1968; the sculptured angel atop a pedestal music box that I bought with my friend Annette, who died in 1998. So many memories. So many stories. Thank you for prompting me to think of this. And thanks for that beautiful photograph of the aged bleeding heart--how wonderful that it has given its beauty to at least three generations. Peace.

  9. I've found it's not usually the fancy things that are the most dear or the most interesting. It's the humble little items that have the stories. My grandfather was a railroad man, and I've got the few pieces of railroad china that he was able to keep from those days. From my grandmother I had an inexpensive wood frame mirror that was carved like eyelet lace. It hung over her dressing table for as long as I remember. I looked it up on EBay once, and they're not worth much. But to me it was a very sentimental item. I spray painted it a fuschia color, and it now hangs in my granddaughter's bedroom - an updated reminder of their great, great grandmother. But my favorite item is a kitschy little ceramic parmesan cheese shaker shaped like an organ grinder, complete with a tiny brass bell for an earring. That thing sat on a shelf in my grandma's kitchen where us little one's sat when we were too small for the grownup table. That was the one thing I wanted when she passed away a few years ago, and to me it's a treasure. I love how you and Jilda have that heirloom Bleeding Heart plant - the karma on your deck must be perfect for it.

  10. Love the story of the bowl and the plant both! Aren't the stories behind things wonderful? They make life so much more interesting and hold on to our memories for us!

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General Practice jobs in Chelmsford

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  • Building Surveyor - Associate Director

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    Building Surveyor - Associate Director London Excellent Package Leading property and construction consultant is currently seeking to appoint an exp...

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Joey: The Story of Joe Biden

Written by Dr. Jill Biden and Kathleen Krull and Illustrated by Amy June Bates

Joe Biden grew up in Scranton, Pennsylvania, the oldest of four children. His parents always encouraged him and his siblings to be independent and strong. The family moved to Wilmington, Delaware, where at twenty-nine, Biden was elected one the youngest United States Senators ever elected. This is his story. Joey is the first ever picture book about the young life of Joe Biden, the 47th Vice President of the United States, and now President-Elect. This book includes never before told family stories about the president-elect and former vice president’s childhood—written by Jill Biden, his spouse.

Age Range 4 - 8 years
Copyright Year
Page Count
Simon & Schuster/Paula Wiseman Books
Grade Level Pre-K - 3rd
Lexile 890L


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Bob Barr Says Future Americans Will Remember & Thank Larry Klayman For His Rally To Oust Obama

Even though the millions of people that Larry Klayman confidently predicted would attend his anti-Obama gathering yesterday never showed up, at least one speaker thought the event, which attracted well under one hundred people, would have historical significance.

Addressing the rally — which called for a coup to oust President Obama and a “Second American Revolution” — former GOP congressman Bob Barr demanded the House of Representatives consider impeaching the president. Barr, who played a major role in President Bill Clinton’s impeachment, is running for Congress again and has called for investigations into whether Obama should also face impeachment.

After calling Obama a “scoundrel,” Barr said that the poorly attended rally would be remembered throughout US history as the day the campaign to remove Obama from office was started: “Be it remembered that it started here today, November 19, 2013, just as it did on November 5, 1997, that Americans for generations to come will look back and say, ‘yes, good and faithful servants, you did your duty.’ We thank you and we will carry that torch forever into the future.”

Naturally, his speech ended with a Tea Party activist shouting: “Except Barack Hussein Obama is not the president, he’s a fraud; kick the bum out!”


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UZMAR 2020

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Viktor LenacViktor Lenac Shipyard

Viktor Lenac is the leading repair, maintenance and conversion shipyard in the Mediterranean with more than 120 years in ship and offshore realms. Our facilities, technology and skilled workforce, make us a modern shipyard capable of completing the most demanding projects, on short deadlines and up to the highest standards. Our uncompromising commitment to quality is globally recognized, making our name a by-word for quality.

Ship repair is the core business with 80 repairs per year of all vessel types, providing the full range of ship repair services – from standard docking and steel works, hull and tank blasting, preparation and painting to highly specialized works on vessel mechanical and electrical systems.

Viktor Lenac was among ship conversion pioneers. Conversions of general cargo and tanker ships to car carriers for Norwegian Hoegh, were our first conversion projects in early 1970s, followed by a history of successful conversions of pipe/cable-laying ships and offshore platform and supply vessels.

Our offshore services range from engineering, procurement, fabrication, construction, and outfitting, to on-shore commissioning, load-out, sea fastening, hook-up, commissioning, assistance to start up, repairs and maintenance. We have built a total of 17 gas production and distribution platforms still in use in the north Adriatic Sea.

Our mission it to be here whenever our clients may need us and to do the job required. Our vision is to become the first choice of ship owners looking for a reliable shipyard in the Mediterranean. It’s not easy and we’re not a perfect company, but we constantly learn and grow better in delivering top quality, in a safe way, and on time.

Address:    Brodogradiliste Viktor Lenac d.d
     Martinscica bb
     51000 Rijeka
Tel:    +385 51 405 300
Fax:    +385 51 217 175
Contact:    Aljosa Pavelin

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Meal preps, computer training and home activity packs from Rise.

Innovative ways to connect & support our community

By Rise
16 April 2020

Rise Regional Manager, Chris talks about some of the innovative ways our team continues to connect and support people. These include phoning all the people we support to see how they’re going and making sure they have everything they need during these extraordinary times.

Wellness and activity packs

The Arts Hub have been busy putting together wellness and activity packs to brighten up the day of the people we support. The packs include crafts with instructions and materials designed by the crew in the different rooms at the Hub. They include:

Bottle Cap Art. The woodwork room has made wooden shapes including, a rainbow, flower and a love-heart. They are packed up with different coloured bottle caps that can be glued down onto the wooded shape, these could also be painted if the clients have any paints at home.

The craft room has made up patchwork pin cushions that have instructions for hand stitching them together. They include all materials- needle and thread, pins, stuffing and the patchwork cushions. They’ve also made up pom-pom sheep. These packs include white wool, a felt sheep face, goggle eyes and some cardboard to make your pom-pom sheep body.

The art room has put together some colouring in packs that include instructions of shapes and patterns to draw. They also include adult colouring in packs made up of animals, flowers, and mandalas.

Keeping connected with home support

Our social centres might be closed but that hasn’t stopped Rise team member, Tracey, from arranging an art class at Sheila’s home.

Graham’s passionate about pottery and with the help of his Support Worker, Dee, he’s turned his garden into a pottery studio.

Rise Support Services

We understand everybody is different and we're keen to find out what matters to you. How can we support you to reach your goals? Call 08 6274 3700 or email:

General enquiry
New client enquiry

(08) 6274 3700

extraMile by Integranet


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Deutsche Bank Americas credit derivatives head moves to Asia

In his new role, Brockmann will oversee trading in Asia of government and corporate bonds, interest rate and credit derivatives, structured products and exotics. Brockmann has been easing into his new role and shuttling between New York and Asia for the past two months.

Filling in Brockmann's old role in the US will be Boaz Weinstein, recently made global head of investment grade credit risk in addition to his duties as head of credit derivatives trading in North America, and Anand Parekh, who moved to New York from Deutsche Bank in London three months ago. In London, Parekh headed special credit risk projects. Prior to that, he was head of credit structuring for Deutsche Bank in Asia.

In his new role, Brockmann said he plans to grow Asian money managers’ involvement in credit investing, where traditionally their preference has been for interest rate products.

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Morgan Stanley names Christianson and Strong co-CEOs Asia-Pacific

Morgan Stanley has appointed Wei Sun Christianson and William Strong as co-chief executives for Asia-Pacific. They will take over from Owen Thomas, current Asia chief executive, who is relocating back to the US.

Christianson has worked for Morgan Stanley for eight years in Hong Kong and Beijing. She is currently chief executive of Morgan Stanley China and will continue in this role in addition to her new responsibilities as co-chief executive. Before starting her investment banking career

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AIB fraud involved fake entries in SunGard's Devon

The inquiry, conducted by Eugene Ludwig and law firm Wachtell, Lipton, Rosen & Katz, did not fault the Devon System's technology, but referred to abuses of the software and the bank's risk and audit processes.

Rusnak entered false forex forwards into Devon to manipulate the apparent open forex position used to calculate value-at-risk. Internal audits apparently did not detect the abuses, the report said.

The Devon System was first licensed by Allfirst 10 years ago, and neither AIB nor Allfirst elected to upgrade to recent product versions. Devon is usually updated every year, claimed Clare Porter, vice-president of SunGard Trading and Risk Systems, which includes Devon. The issue at Allfirst was not related to technology but to operational deficiencies, Porter said.

Devon, which produces an audit trail and keeps track of the lifecycle of trades as they are booked, amended or cancelled, has administrative log-on controls that admit only certain users and activities for each user, as well as a user-defined password change frequency. It also keeps track of any change to any field and the user associated with those changes, Porter said.

"Devon has comprehensive controls in place that work in conjunction with risk policies or procedures," she said. "The vast majority of our clients have built the system into their processing environment. But technology is only as good as the processing environment around it."

About 250 banks use the Devon system. Porter said SunGard had not experienced any unusual spike in client questions related to the Allfirst scandal.

Rusnak had dealings with at least two other derivatives and risk management vendors – DerivaTech and GFInet/Fenics – but declined to purchase any of their products allegedly due to cost reasons.

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Capco's Regulatory Monitoring Newsletter

Highlights of this issue:

MiFID II & MiFIR - ESMA shifts up a gear in the legislative process MiFID II & MiFIR - ESMA publishes consultation responses MiFIR- Non-equities transparency regime MiFID II & MiFIR - ESMA asks for market views on complex problems Basel III Monitoring - Regulatory capital ratios SREP - Supervisory review and evaluation process EBA - Final guidelines on disclosure requirements Consequences of hedge accounting under IFRS 9 on the operating

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Everything posted by Harlequin

  1. Re. developments elsewhere... Don't worry, it's not a proper GWR loco. (Valve gear on the outside - I ask you!) Keep the faith, something's bound to turn up!
  2. Not gwr.org.uk, I know that's alive and well (thank goodness). greatwestern.org.uk
  3. Obviously, if you're not going to fit decoders or speakers you can fill the spaces assigned for them with lead - if they are in helpful positions. It's those of us who want that technology and decent traction who have the real problem! I recently had to cut down the front weight in my Large Prairie to fit a speaker but I was happy to do this because I know there is volume in the side tanks to regain that lost weight, and more, at some point in the future (even with the decoder and lots of wiring in there).
  4. Please excuse the slightly Off-Topic cross-posting but you may not have seen this post and you may know the answer to the question:
  5. I'm looking forward to the big announcement tomorrow... if only to steer the conversation away from international law and international banking! (In depth discussion of tangential subjects: It's what RMWeb does best!)
  6. There are a number of other mistakes in that PDF regarding the OO turnout radii. I suggest chucking it in the bin!
  7. The "Nominal radii" stated by Peco and reproduced in that PDF don't match up with the real world unfortunately. If you do the maths you can show that the largest possible radius for a straight turnout using the Peco geometry (12° turn at 1 inch offset) is 45.76in (1162.34mm). So more like a nominal 48in - and that makes some sense in the context of the range: Small = 24in (nominal) = 2ft Medium = 36in (nominal) = 3ft Large = 48in (nominal) = 4ft Curved and Y = 60in (nominal) = 5ft Why Peco keep on claiming Large radius turnouts are 60in
  8. Thanks Neal, (You should copyright the "sugarcane speaker" as fast as possible before someone else uses it!) I am striving to get as good sound as possible from my steam locos. A wimpy lo-fi plastic-box chuffing sound isn't enough. I think the sound quality comes largely from the Zimo Dumbo in the bunker, with the sound allowed to escape more directly rather than bouncing off the track in different directions. I think the sugarcube mainly just adds volume but it also pulls the sound balance forwards, which is useful. I reckon that the mos
  9. I don't have a specific plan for my Small Metro (Tank!). I bought it because I knew they were used on Westcountry branch lines and it seemed like a simple kit for a beginner. BLTs were on my radar at the time but I came to realise that I really want to see big locos hauling long (within reason!) trains at a range of speeds and although BLTs are lovely they wouldn't let me do that. My long term plan is to model a fictitious location somewhere on the Berks & Hants or the Berks & Hants extension in the 1930s - somewhere where the canal is close by. (Canals in layouts seem to b
  10. Here's a quick look at how I have installed an MX645 with two speakers, firebox glow and stay alive in my Hornby Large Prairie. I measured inside the body and worked out there was space to mount the decoder above the gearbox, effectively in the firebox. (This may not be the best place but more of that later.) I removed the 8-pin decoder socket and cut down the plastic moulding that held it. I also removed the coal bunker floor because I wanted the entire bunker/tank space to hold a big speaker and a stay alive supercap. The decoder sleeve was removed and rep
  11. Hi Ben, It's not easy! Keep going and you'll find the best balance soon.
  12. Some feedback: It's very busy. I think you're trying to do too much in the space. My suggestion: Abandon the second platform and maybe one of the goods sidings. The goods shed needs a bit more track beyond it to be able to push, say, three empty vans through before the yard needs to be shunted again. The reverse curves to get into the platform and goods yard are awkward. The station building will obscure the top left corner. That may be OK if you have a plan for that area but if not it's valuable space not being used effectively. The turntable is a 75ft version
  13. I’ve had a Small Metro on my workbench for over a year. My first brass and white metal kit build. Too scary to work on. And I just had to buy a bigger box for my rolling stock kits... One day, one day! That’s what I keep telling myself...
  14. Here's one: https://twitter.com/RHummBooks/status/1246754472241569792/photo/1 As RailWest suggested, it looks like the lever is parallel to the track and connected to the points by a crank.
  15. Hi Schooner, Canals and Railways - a magical combination! It would be great to see my take on the Inglenook come to life in this form - but whatever trackplan you use will be wonderful. Since you say that space is not a limiting factor but you've chosen a size that is "do-able", how about increasing the space very slightly to allow the plan to breathe a bit more? To expand: Most people are limited by space and that imposes the biggest compromise on their layout designs, frequently with trackwork very close to the boundaries making it difficult to
  16. I think you can just about make out the levers of RailWest's Middle GF in Karau. It's always in the shade of the trees.
  17. I write 2D drawing software for a living - have done for 20+ years - and we've always tried to make our program very intuitive for our users. If we had ever been given the chance to write a 3D program it would have looked a lot like Sketchup, it has a similar ethos. I love Sketchup so much that I (eventually) stumped up for a licence for the full version! (That's why I wasn't sure of the capabilities of the free version.)
  18. Sorry, I screwed the link up. I have fixed it now. No, I really do mean, http://www.greatwestern.org.uk/index.htm
  19. FWIW: I love Sketchup. (Couldn't get my mind around Fusion 360 yet). Sketchup's working method is very easy to get to grips with (to explain it in very simple terms: drawing 2d shapes then extruding them to 3d) and from that simple foundation you can go on to do very complex things if you need to. Not sure if the free online version will export STL files for 3D printing, though.
  20. Hi everyone, greatwestern.org.uk is a great site for those interested in the GWR but I notice that it hasn't been updated for a long time now, there are some dead links and it's style is a bit old-fashioned. I'm worried that we might lose this valuable resource if no-one's looking after it. Names mentioned on the Home page are: John Daniel (copyright holder), Eric A. Meyer of CWRU and Neil Johan. Does anyone know if these gentlemen are able to update and maintain the site? Thanks,
  21. Not so much for us inter-war GWR types, though... Mogul, Prairie, Collett coaches. That's it unless I've forgotten something. We desperately need more coaches from the period, as you've said before, Neal. Would it be too much to hope for a set of RTR Toplights? Or Dreadnoughts?
  22. Yes, it would be good to have confirmation from independent sources. I'm using "Great Western Moguls and Prairies" by David Maidment, 2016. I can't see RCTS mentioned in the Bibliography...?
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Lotus to Build its Own Engines?

Reports in the British business press suggest that Lotus is abandoning its declared intention of developing power units based on Toyota hardware in favor of producing its own V-8 and V-6 power units.

Lotus CEO, Dany Bahar has been quoted as saying that customer reaction to the prospect of high cost Lotus sports cars being powered by modified Toyota engines had not gone down well.

The first new engine will be the V-8 needed for the Esprit in 2013. Five new products and a new engine range to engineer and develop would be a big ask for a well established OEM, and for Lotus it's going to be a monumental challenge.

This won't be the first time an Esprit has been powered by a V-8; back in 196 Lotus shoe-horned its own twin-turbo 3.5-litre, flat-plane crank V-8 into the Esprit. Developing a handy 350 bhp it had a top speed of 175 mph and a sub five-second time to 60 mph.

Trouble was that the heavily modified Renault gearbox practically needed both hands to shift gear, which is hardly advisable.

Related posts:

  1. Los Angeles Auto Show Racing News: Lotus To Supply Indy Car Engines in 2012
  2. Lotus Changes Engine Strategy
  3. Nearly Half of Chevrolets Sold Have Four-Cylinder Engines

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At the throttle

Train Blog

June 21, 2020

OpsLog – LM&O – 6/20/2020

went back and checked – my last operations entry was back in March 1st of this year, three and a half months ago. Yes, it’s been that long since I ran in an organized session. With the possible premature opening of the state under the danger of CORVID-19, and at our club (observing strict mask and sanitizer rules) the club as started to meet again. I was thinking towards a session but I didn’t want to pack a bunch of operators in for one (we’ve run up to thirty people before). Also, I didn’t want to have our just-reopened club […]
May 31, 2020

OpsMemories – 5/31/2020

ith the CORVID-19 essentially ending all model railroading at clubs and home layouts, I figured I’d post up images from some of my more memorable moments…
March 1, 2020

OpsLog – FEC – 02/29/2020

don’t think I’ve ever had a more pleasant ops session. Was back on the FEC panel. It was a crisp late-winter day so the shed doors were wide open, the breezes cool and the skies cobalt. The crew was old pros so no dicking around and very sharp skills. I got the panel humming and the trains followed their timetables, meeting and working and generally not delaying each other. In the yard, the ladies (and our new engine hostler) worked as a team, getting trains in and out. All that mattered to me was that they prepped the departure track […]
February 27, 2020

OpsLog – LM&O – 2/26/2020

mage you were trying to conduct a symphony and two oboes, a french horn, two violins and a tuba show up. That was ops with a limited number of people. People were sick. People forgot. People were out of town. People were sulking. I dunno what all the excuses were. However, when we don’t have turnout, our efforts suffer. There isn’t as much traffic across the summit. The freight forwarding system slows down and backs up. We didn’t organize our resources (everyone wants to run a specific train). So that’s why we got all the coals and passenger trains, four […]
February 6, 2020

OpsLog – P&WV – 2/5/2020

he Pittsburgh and West Virginia is one of the few Time Table and Train Order railroads in Central Florida (in all of Florida, maybe). And even though the station order board toggles were backwards, the train sheet is inverted and the intercom shot, it was still one of the funnest sessions in TT&TO you can get. TT&TO is about writing orders. The trains move on the authority given to them by their clearance form, under priority granted by timetable, class and direction. In other words, unlike every other form of control where the dispatcher tells trains exactly what to do […]
February 2, 2020

OpsLog – L&N – 2/1/2020

idway through the session, the two dispatchers (Southern and Louisville & Nashville) switch. We’ve only got a couple of minutes to update our replacement on the status. I don’t know how it was exactly explained to me but it was something like “Train so-n-so is in Norton and will need to go to Blackwood” makes me think that he didn’t have a warrant. But that word “need” seemed to mean something different between Tom and myself. It turns out he actually did have a warrant and was waiting for other traffic to clear before he started down. Fresh on my […]
January 29, 2020

MowLog – Cuesta Grade – 1/29/2020

ecided I should keep my blog up to date concerning my layout, especially since I report on every ops session and every show. And the whole point of this is to get my layout back up and running. Okay, so between when I last ran it (two years back?) and now, two furry cannonballs crashed through my booster stations, scattering components. That sucked. Fortunately I had my records as to settings and wires so I was able to rebuild it. I’m handling this now by booster districts – which I have three. As my layout is a loop to loop […]
January 26, 2020

OpsLog – FEC – 1/25/2020

ometimes sessions run so well, everything checkboxes through their timetables, every car is spotted at correct doors, everything is perfect. Sometimes. The first running of the Florida East Coast for 2020 was a little day-after-New-Years-ish. Crews were well meaning but sloppy. We had a number of run signals and missed calls. Yeah, and just so everything doesn’t think I’m just casting stones out, on the panel that day I managed two big blunders – dropped a train on the cinders on a miss-aligned turnout in the yard (but, in my defense, greens means go now, Charlie) and I had to […]
January 23, 2020

OpsLog – LM&O – 1/22/2020

rduous is a brainy word I had to look up for spelling since i don’t use it often. Used in an example: our ops session was arduous. I took the Mingo Turn out first thing at midnight. Fortunately is was still an interchange-only run so outside of a shuffle or two, I had it done pretty quick (and I got to watch a cornfield meet right outside of my cab window). But I had a bad feeling as time passed and I finished my work – Zanesville is further up the line and the turn servicing it had not been […]
January 13, 2020

OpsLog – Deland – 1/11-12/2020

t’s been said that this blog writes itself. So there I am in the dark outside our trainshow venue, the gate and building all locked up, a line of members (and our trailer) idling in a line while the fairgrounds tries to get the guy with the key to come back and let us in. And then we find out that another bunch of garden-potter railroaders have set up without regard to the tapelines, giving us no aisle space. I was ready to go home. But he had a good crew (thanks, guys, for that!). We talked it over with […]


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JACKALOPE-ZILLA and the Great Wave - Limited Edition - 13x19 Art Print by Rob Ozborne

Shipping to United States: Free

"Jackalope-Zilla and the Great Wave" limited edition art print by Rob Ozborne.

THE STORY: The ocean waters swell, and here it comes! It's the Jackalope-Zilla, rising with the Great Wave!

THE ARTIST: Designed and drawn by Rob Ozborne, each print is hand-signed.

THE PRINT: The artwork is printed on 13"x19" bright white matte art paper. The colors are lush. The frame is not included, but the print comes with a white border, and is ready to pop into a frame.

This is the newest limited edition that is numbered (out of 100).

SHIPPING & HANDLING: Great care is taken in preparing your print. Placed in a protective archival sleeve, gently rolled and well packed, your artwork ships in a sturdy tube.

Pay by credit card or PayPal, the choice is yours.

Shipping from United States

All purchases are shipped First Class via USPS within 1-2 business days. Items are always handled with the utmost care, carefully packaged and well protected for shipping. I want your art print to arrive safely and without blemish!

For international orders, please allow 1-2 weeks for delivery. Customs sometimes causes additional delay, but not usually. International buyers are responsible for any and all additional taxes or fees due to Customs. Unfortunately, tracking is not available for international orders.

If you ever have a question about your item or delivery, just message me. Always happy to help.

If for any reason you should desire a refund within a week of receiving your item, message me. If damage occurs during shipping or there's another issue, I am always happy to make it right.

The only exception is Custom Orders. No returns, please.

Do you have a special request? Custom orders, wholesale and consignment requests, and other questions are welcome. Just convo me, please.

If you like what you see in my shop, word of mouth (or keyboard) is always appreciated!

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$50 Off Timing Belt Replacement
If your timing belt is close to due, take advantage of the savings! Not valid with other offer or special. Coupon must be presented in advance.

Terry F.
I had a great experience at Robbs. I really trust the guys here. They do great affordable work, stay in touch and help with pick up and drop off!
Chris M.
Excellent work and I can't say enough about Brian and how he keeps you informed on repair and does excellent work. I bring all my vehicle repairs here now!
Laura M.
My husband and brother have a diesel and Brian is AMAZING so is the staff of course!!! This is the only shop that will ever work on our trucks!
Alex H.
This is my second time having ribs work on my jerk and they are great and always get the job done right and I appreciate that so thank you and I will be back for more and so will some if my friends.
Donald S.
Great service and friendly representative. Work done on time and timely suggestions for future needs. I will be back.

Welcome to rob’s automotive repair, Inc
Expert service and repair in Clackamas, Oregon

When you are looking for quality auto repair or diesel service performed by well-trained auto mechanics, turn to the team at Rob's Automotive Repair in Clackamas. We have ASE-Certified technicians who attend regular training to stay on top of the always changing automotive repair industry. It's important to us that we have state-of-the-art equipment and tools. We use digital inspections, computer diagnostics, and the very best scanning equipment possible to help us remain transparent and educate you on the needs of your vehicle.

Rob's Automotive Repair in Clackamas is a NAPA Auto Care Center. Our auto mechanics love working on ALL of your vehicles, including diesel, hybrid, general, Euro, Asian, and more. One of our superpowers is that we are able to handle a lot of diagnostic work that other shops can't figure out because we can. We love figuring out the hard stuff!

If you need a ride, we will either arrange one for you or will take you there ourselves. When you leave with a fully repaired or maintained vehicle, look for the candy treat we offer as a gift. You'll also receive some Rob's bucks: a little gift for dollars off of your next visit and the more you spend, the more you will receive! We love keeping you in the loop so we will send you text messages to keep you up on what is happening with your vehicle. Your time is important, and that's why we work hard to get you back on the road. Customer service is our number one priority, and it shows in 5-star reviews like this one:

"Took my '71 VW SB in for a yearly Tune-up. I had the Service professional Mick help me out and take care of my car's needs. Been servicing my vehicle here for over 5 years and they've always come thru for me and if it wasn't quite to my satisfaction they've always made it right.. Big Mahalo {Thanks } for the Excellent Customer Service to Service Rep. Mick and also to Ward for getting me in and out in a timely manner. Much Appreciated." -- Jerome K.

When your vehicle needs expert auto repair services, we invite you to Rob's Automotive Repair. At our auto repair shop, you'll have an outstanding customer service experience under the hood and across the counter. We are a NAPA Auto Care Center that offers a 3-year/36,000 mile nationwide warranty, which means you are covered as you drive from state to state. If you are in or around Clackamas, Happy Valley, Milwaukee, or Damascus, give us a try, and you won't be disappointed!

Schedule a complimentary vehicle evaluation or send us a text at 503-506-2862. Rob’s Automotive Repair is open Monday through Friday from 8:00 AM to 6:00 PM. You can find us conveniently located at 11955 SE Highway 212, Clackamas, OR, 97015. We look forward to seeing you soon.

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Let us know how we can help you. Call, stop by, or even request an appointment online.

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Be the first to know about our special offers! Sign up for our text message communications and get $10 OFF your next service! Simply complete the information below and you will receive your $10 Off Coupon!

If You Are Using A Screen Reader And Are Having Problems Using This Website, please call Rob's Automotive Repair (503) 650-6101 For Assistance.


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One of the Last "TRUE" Country Fairs

Diamonds in the Boundary!  We’re celebrating our Diamond Jubilee; an amazing 75 years of the Rock Creek and Boundary Fair Association, and you can be a part of it!  This traditional country fair has something for everyone; Open and 4H stock show, arena events, displays and exhibits of all kinds, plus an impressive variety of food and commercial vendors.  Youngsters of all ages can participate in interactive activities, enjoy quality live entertainment, or take a spin on a Midway ride with West Coast Amusements.  From its beginnings in the 1940s, through the end of the century and into the new millennium, our Fair has grown with the community through the generations while staying true to its agricultural roots.

Commonly referred to as

"The biggest little country fair around"

We welcome you to bring the whole family to our exhibition for two fun filled days

and experience what Boundary Country is all about.

Located in south central BC amongst the sun drenched mountains of the beautiful Kettle River Valley.


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Up to $6K in Closing Costs or Design!*

About Rocklyn Homes

Pulling from leadership throughout the new home industry, Rocklyn Homes has assembled an award winning management team with over one hundred years of combined experience. From building on the expertise of leaders in the building sciences to top residential designers to joining with those individuals who have excelled in achieving top honors in customer care, Rocklyn has created a winning formula for building the best designed home at the greatest value in the best locations, all while ensuring the home is built of the utmost quality and you, the homeowner, is completely satisfied.

Rocklyn Homes is a family owned company that prides itself on producing every home as they would their very own. Rocklyn Homes was created with a unique vision and passion to build a beautiful, well-constructed home at a reasonable price, and blend spacious interiors with an aesthetically pleasing exterior. It takes talent and tenacity to make a good builder, but it takes a strong team of dedicated individuals to make a good builder great. Our promise to you is to always deliver the quality, value, and reliability that makes a Rocklyn Home a home youll feel good in today and tomorrow.

Visit a Rocklyn community today and let us help you select your dream home. At Rocklyn Homes, the most important home we’ll build is yours.


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(888) 873-1066

3″, Type S, Ceramic QC Discs

RockRidge’s quick-change discs provide exceptional grinding, deburring, and blending with flexibility in small areas.

These types of discs feature a twist-on-and-off fastening system. The tool-free attachment design makes fast work of disc changes to maximize productivity and minimize downtime.

100 discs per box.

Contact Us

These Discs are Available in these Grits:


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Rolf Benz LIV.
LIV. Your Life.

With Rolf Benz LIV, Luca Nichetto created a sofa system that can adapt perfectly to the myriad requirements of contemporary living spaces. Here, Italian design meets German technology and quality. The result is a breathtaking union of geometric strengths and laid-back comfort. Rolf Benz LIV creates this impression whatever version you choose: as an individual sofa, as a modular sofa or as an armchair.

Carefully designed. For every preference.

The geometric structures of Rolf Benz LIV are created by filigree, polygonal metal frames. Featuring comfortable base springs and an adhesive surface, eight different frames act as versatile bases for individual compositions made up of seat cushions, sofa backs and side sections. Two seat depths and two back widths offer a variety of design options in combination with integrated shelving units. Sofas configured in this way can be added to with flexibility and entirely in line with personal seating preferences through a range of loose cushions.

In addition to black and umbra grey, the subtly shimmering shade of Marrone metallic is available for the sofa system’s frame and feet. The shelving unit frames are designed in black or umbra grey. The storage areas can be chosen either in brushed graphite brown or Carrara natural stone or in clear glass with an underside painted in black, umbra grey or Marrone metallic.

Perfectly coordinated with each other.

The Rolf Benz 901 coffee table and Rolf Benz 902 occasional table are the perfect companions to Rolf Benz LIV. With their striking frame and all-round enclosure, both table models are inspired by Rolf Benz LIV’s language of form. The tops integrated into the frame are available in leather-covered natural stone or clear glass with painted underside.

Sofa widths: 214, 252, 256 cm - Seat heights: 42 und 45 cm

Design: Luca Nichetto

Cover selection

Select the ideal cover for your needs and your interior style from our current fabric and leather collection. Over 200 fabrics and 100 types of leather turn the process of choosing into a pleasure, and transform your sofa into a unique piece of furniture.

1. Select material
2. Colour selection
Price group:
Upper:  Lining:   ComforLux :

Find your nearest Rolf Benz dealer


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Late Night with Seth Meyers/YouTube

Seth Meyers Released a Hilarious 'Making a Murderer' Parody Video, & It's Spot-On — VIDEO

Move over, Serial, there's an investigative TV show now taking over the world — and it's Seth Meyers' parody of Making a Murderer. After a two-week winter break (which was clearly spent binge-watching Netflix), Meyers announced his return to The Late Show with the spoof, Making a Talk Show Host: A Netflix Documentary. In it, he managed to not only sum up the tone of Making a Murderer perfectly but to capture how we all feel about getting back to work in the New Year.

Just in case you've been utilizing your vacation for more productive or outdoorsy things than the rest of us, here's what the hubbub's about. Making a Murderer details the story of Stephen Avery, a Wisconsin man who — after being wrongfully imprisoned for 18 years for a rape he didn't commit — decided to file suit against the Manitowoc County Police for his initial (and rather suspect) persecution. It wasn't long after Avery had begun laying the groundwork for a civil complaint that he charged with murder, convicted, and given a life sentence.

The series, which spans 10 episodes, has the same "I need to know!" urgency as Serial — and it's subsequently sent many of us on Netflix binges to find out more about the Avery case. (Or, if you're like me and needed instant gratification, it propelled you straight to Wikipedia.)

It seems Seth Meyers became as obsessed with the show as the rest of us over his two-week vacation, because he perfectly recreated the show's accents and halting phone conversations in his parody. The video plays as a conversation between Meyers and a staffer, who's telling him he needs to return to his talk show job at NBC. Meyers pleads with them, telling them he'd rather stay home.

"I gotta come back?" he asks. When the staffer tells him what time the show is on (12:35 a.m.), Meyers replies, "God... that's late."

Late Night with Seth Meyers/YouTube
Late Night with Seth Meyers/YouTube

In other words, Meyers is simply representing how we all feel coming back to work after our Christmas dinners, New Year's festivities, and caffeine-fueled Netflix binges.

Sadly, the staffer on the other of the line insists. "They don't got no more re-runs," they lament.

Late Night with Seth Meyers/YouTube

*Sigh.* Adulthood is tough, guys. But at least you can take a break from it at some point today and watch Seth Meyers' hilarious parody video. (Then go watch the full season of Making a Murderer, if you somehow haven't already, please.)

Images: Late Night With Seth Meyers/YouTube (4)


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Excellence in all we do

Well done to Liz, Lisa & Terry from our Blackpool branch for being nominated for showing the best examples of Excellence in all we do.

Posted by: Charlotte Bristow on July 27th, 2017 @ 12:28 AM

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458 Rita St, Winnipeg, MB

Not currently for sale with Royal LePage
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458 Rita St

458 Rita St is in Winnipeg, and found in the area of Silver Heights. While Rita St has no listings presently available, the area of Silver Heights has 2 homes for sale. That represents 0.37% of the 542 total homes for sale in Winnipeg. Residences in and around Silver Heights list for an average of $214,450, or an estimated monthly mortgage of $997. By comparison, listing prices for homes across Winnipeg average out to $392,507. The neighbourhood around 458 Rita St has more houses for sale than apartments.

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Knowledge Center

Knowledge Center Items Podcast Episode 17

How to Focus on the Best Mixture of Opportunities

Published on

No matter what, it’s going to take time to find it.

However, the sooner you apply more intention to that process, the better.

Because there are a lot of benefits that come with being honest about the opportunity in front of you.

Not only will you know the proper amount of time and attention to give it, but so will everyone else working on that account.

Those people, especially underwriters, will appreciate that unexpected context most agents neglect to provide.

RPS Executive Vice President James Rozzi, talks about how he created his ideal opportunity mixture in the property and construction space.

For more Change Insurance episodes, click here.

Full Episode Transcript

Joey Giangola: Mr. James Rozzi. How are you doing today, sir?

James Rozzi: Yeah. Great, Joey. I appreciate you guys inviting me on today.

Joey Giangola: I was going to maybe start at a different direction, but given your background, I've got to know, what's your greatest sports memory?

James Rozzi: My greatest sports memory. Geez, I'll tell you what, I would say this past year, watching the 9ers beat the Packers in the NFC championship game live at Levi's Stadium and seeing them return to their glory days was probably the best sports memory. Subsequent to that, I attended college in Boston and was in town when the Red Sox won their first World Series after their prolonged drought. And so just being in that city with the energy around that team was incredible. And my friends and I, like typical college students, decide to leave our dorm and then head downtown, and I didn't say we took part in the riots, but we definitely took part in some of the festivities around celebrating the first World Series for them in a very long time.

Joey Giangola: So, with the 9ers, I was going to say, up until the fact that you were telling me that you were actually there, I was like, "Really, you're going to pick an NFC championship game over watching the Golden State Warriors win a title, or the Giants winning a World Series." I was going to have to question that a little bit [crosstalk 00:01:23].

James Rozzi: I'm a big football fan. I grew up playing football. I played football in high school. I've been into playing baseball in college as well. I lived in San Francisco when the Giants won their three World Series. So that was fantastic. I actually lived across the street, a little condo, literally a block from the ballpark. So we were there for that energy and that was a lot of fun. And I actually had someone tell me once that I must be good luck for a lot of sports teams because wherever I go, the team seemed to win. So when I was in college, you had the Patriots obviously dominating the NFL and then you had the Red Sox go on their run. At the same time, the Bruins and the Celtics were also pretty good.

James Rozzi: So when I was living in Boston, you had some really quality sport teams there. Came home, moved back to the Bay area, and then you had obviously the Giants go on their baseball tarry. You had the San Jose Sharks play some pretty good hockey, had a pretty good run making the playoffs just about every year and then ended up losing a Pittsburgh in the Stanley Cup. And then you had the 9ers end up in one Super Bowl appearance, and then a couple of NFC championships that are Jim Harbaugh, only to fall to one of the worst teams in NFL and then rise back up.

James Rozzi: So just as a big football fan, I followed them the most. I'm not a huge basketball fan, but given what's behind me, the Warriors and their run has been incredible. I was actually at a couple of their championship games, same with the Giants. And so I've been able to see some really cool sport experiences, which is I think why it's hard to just pick one, but I think... Growing up, I remember, it was Steve Young and Brett Favre, and so there was that big rivalry between the Packers and the 9ers, so I gravitate to that first. It was that idea that, "Hey, this is our chance to finally get back at all those years where Brett Favre was beating us."

James Rozzi: And here we have Aaron Rogers and Jimmy Garoppolo. So two younger guys, one's going to be younger than the other, but they're going head to head. I was at the game with some really good friends. We had killer seats and it was just an awesome game to be at. And they dominated from the start. So that was pretty nice.

Joey Giangola: Well, James now, actually just while we're talking, I've started drafting plans for like a guest house at my place. You can pick it out, whatever you want in there, we'll decorate it nice. I'll even let you put some more of your stuff up, but just maybe come hang out in the Cleveland area for a little bit, and we'll see what that does for our teams. I don't know. We could use [crosstalk 00:03:47].

James Rozzi: There you go. I don't know. We'll see. We've got to get sports back first. Once that happens, we can decide about those plans.

Joey Giangola: A very sobering thought indeed. I want to talk about, you said this kind of success, at least on the sports field, follows you where ever you're at, happened in the world of insurance too. One question, I was curious to ask you, what do you think the biggest difference between the wholesale side of things and the retail side of things? What do you think the differences is being successful on the wholesale side of things versus being a retail agent? Selling direct to consumer versus what it is that you're doing, and how agents maybe can go about it to find a little more success?

James Rozzi: Yeah. I think success is really the result of hard work, and so you got to create good habits whether you're a retail book or a wholesale broker. And the more work and effort you put in learning your craft, whether it's insurance or any other profession, the more successful, in my opinion, you're likely going to end up being at it. You look at some of these folks that play pro sports, and they have genetics on their side, they're dominant athletes and generally speaking, they're just wired a bit differently and built a bit differently than most other folks, your average person. But at the end of the day, they're practicing their craft to be the best at it. And let's take Tiger Woods as an example. Every day, all day, and hitting their 10,000 hours of expertise.

James Rozzi: And so when I think about the difference between our retail clients and myself as a wholesale broker, it really comes down to just our audience. My audience is a more educated insurance person per se. Because as someone who has a licensed transaction insurance and is advising customers on how to prop properly buy insurance day in and day out. So my expertise as property-focused, even marine-focused, construction-focused is really to demonstrate to my client base that I know everything about my craft and I can be more focused on the specifics of the property world. Whereas I think a retail broker needs to be more focused on the specifics or risk management and understanding the client's concern. We still have to understand our retailers concerns their customers, but end of the day, they come to us looking for a product.

James Rozzi: They're coming to me looking for CAT property coverage, or hard-to-place brush stone business because of wildfires in California, their customers are coming to them and they're asking them, "Hey, how do I make sure that if the worst happens to me, my business survives or my family survives and so on and so forth." So I think that the difference between the two roles to, if I'm answering your question correctly, it's the more consultative holistic approach that retailers have to go through and also making what can be a pretty complex business seems simple.

James Rozzi: Because at the end of the day when you ask people about insurance, most people want to talk to you about their healthcare, their homeowner's coverage and their auto. But they're not going to sit there and talk to you about the TRIA Act. They're not going to talk you about doing wind and hail buy-downs in Colorado to lower deductible levels. They're not going to talk to you about catastrophic modeling. They just don't know that aspect of the business. So a retailer, in order for them to be more successful, I think keep it simple and make sure you understand what your customers ultimately are looking for to give them the protection they need when, when bad things happen.

Joey Giangola: What's your secret to simplifying that communication?

James Rozzi: I don't spend as much time talking to the buyer, so I don't have to make it as simple. My secret is really just trying to make sure that when clients come to me, they know that whatever they get back will be the absolute best product in the market, that I'm going to work as hard as humanly possible to go to as many capacity providers as we have access to, to get them the best possible coverage at the best possible price. And those are the two things that we focus on in our transaction as a wholesale broker. It's gets you the coverage you need and make sure that when we're working with other retail clients, they understand the right CAT limits to buy or the right coverage. That will be important just because we see losses, we see hard to place business.

James Rozzi: That's why people come to wholesale brokers because it's going to fall outside of the standard market. So we need to make sure we're meeting their coverage needs, and that we're getting them coverage at a competitive premium. And then after that, my other kind of, I would call it secret to success is just, don't forget that these are annual contracts, that you still need to service this business that you need to take care of this client when there's a claim question or a coverage question. You don't just quote it, bind it, work it, forget about it. It's a 365 days a year job in the sense that you never know when they're going to need you, or you never know when a question is going to pop up, but they can't answer. And so I think you just need to constantly be available to people to make sure that you're getting them what they want and that they feel that your team is able to give them sound advice and, sound coverage, and a sound product day in and day out.

Joey Giangola: Yeah. You mentioned property and construction, what's going on there. What types of conversations are you having? What should agents be paying attention to help that process along to get the results they're looking for?

James Rozzi: These days it's just communication. And I would say start the process as early as possible. The COVID pandemic has caused a lot of problems for the insurance industry, and there's still intense debates about whether or not BI claims will be covered, particularly in the property arena. There's definitely some minister policies out there where I think clients will find communicable disease, coverages that are built into these policies, particularly the hospitality world and maybe even in some retail and restaurant chain business. But as a result of all the uncertainty in insurance, just like the stock market, they don't like uncertainty. And property markets in particular have lost a lot of money in the last few years as you got hit with major hurricane claims from Harvey or Irma, Maria, and then you had a rate environment that had gone downward for the better part of a decade.

James Rozzi: So you had these low rates, you have these big claims and then you have now a pandemic that is affecting businesses at all levels. And so I think if I'm sitting in a retail agent's shoes, start the conversation early with your insurer to prep them about where the market is, how problematic it is for some of these carriers to forecast their own financial futures. And as a result of all that, you need to start prepping them for ways in which they could save money come renewal time, and ultimately to prep them for what a likely be. If you don't want to take on more risks with larger deductible retentions or potentially lower the CAT limits you buy it, which is also a risk taking venture then insurance rates are going to be up.

James Rozzi: In my entire career I've just thought, you don't need to blow smoke to people. You give them an honest answer when they ask you a question, that's why they're asking it. That's why they've hired you. That's why they work with you. And if you give people the truth, it might not be really what they want to hear, but at least you can go to bed every night telling yourself that you're giving your clients the most accurate information, best possible coverage at the best possible price. And if you focus on those three things, again, it might not always be what people want to hear, but it's something that helps me sleep at night, knowing I'm doing what's best for my customers.

Joey Giangola: In terms of the property market. Is there an area whether geographically favorable or industry related that you would say is maybe, sweet spot might be overused term, but is there a place that agents should be maybe putting more of their attention with everything that's going on? Is there places they should be looking to make adjustments on?

James Rozzi: Yeah. I see a lot of accounts that come through our door where you have clients who, and by clients, I'm more speaking to the insurance buyers, so they have large property schedules and they're still pursuing these lower deductible programs. And what I mean, lower deductible programs, I'm going to say you have an average customer who owns, let's say half a billion dollars worth of real estate, and he's still walking around with a 25K deductible policy. I think those policies are areas in which, if you're an agent, that's a new business opportunity because there's a lot of things you can do to provide your clients a better risk transfer discussion and risk transfer a new product, because there's a deductible level that likely needs to be raised.

James Rozzi: Because what you'll find is you have these programs where the deductibles are too low, or even in some cases, the limits are too high. And if there's no lender driven need there, you have a customer who's probably buying either too much insurance or insurance at too much of a premium because they're trading dollars off the frequency of claims they probably have at those low deductibles. And so, one of the things we do with a lot of these larger real estate clients is we do a full analysis of, "Okay, well, here's your CAT loss PML, here's what the wind model says, here's what the earthquake model says."

James Rozzi: And then we look at your loss history over a five or 10 year period and we do a loss stratification and say, "Okay, well, if you raise your deductible from 25 to 100, we can save you, call it 25%, let's just use round numbers. And that would equate to, let's just call it a $100,000 a year." But in return, you're taking on $50,000 a year, more of loss based on the way your stratification works. So ultimately you're saving $50,000. And the other thing that I think a lot of clients don't quite appreciate is that as soon as you go to these higher deductible levels, you're engaging a number of new markets that can now compete on your business.

James Rozzi: Because previously, if you say, "Hey, I must have a 10K, I must have a 25K deductible," then there's a good portion of the insurance market, particularly in the wholesaling world, that's just going to decline because they don't want to write business at those deductible levels. And if you raise the deductible levels and you purchase the appropriate CAT limits, and you move to maybe a layered share program versus a standard 100% type direct, written placement, you're, you're creating competition. And if you create competition, it's the same in any other industry, the more competition you have, usually, the better result you're going to end up with for or the insurance buyer or for the consumer.

Joey Giangola: How much of that conversation is taking place with the agent and the actual end insured? Is there some of the education process on your part happening when you do have an agent bring you that piece of business and say, "Listen, these are a couple of things that you want to take into account." Does that need to trickle down maybe a little bit more to help agents maybe open up more potential and opportunity for them to attract new clients?

James Rozzi: Yeah. I think it does. A lot of our clients, we spend a lot of time talking to them about, "Here's some things that we're going to," I don't want to use the words coach you on, but since we're kicking off sports here, we try and coach elaborations on here are some of the buzz words that I would bring to your customer. It doesn't always work. The result isn't always, "Hey, we're back in a thousand." Let's say, we might be like a baseball player, one out of three times what we're going to try and accomplish is going to work really well. The other two times we get mixed results. But the idea is that we coach the agents on things so they can go speak to their clients about it and hopefully get their client a better result. If the result ends up not being better, it just validates their current placement or the current structure and it shows that the wholesale broker, the retail broker did all the due diligence possible to make sure they achieve best coverage at best price.

James Rozzi: And a lot of cases, and depending on how comfortable our retail clients are, we, I'll speak on behalf of all of RPS, We frequently you get on the phone with insurers and with the retail brokers to go through this stuff, and that way you're adding some banister to your team. And I look at that in terms of, I ran through all of my retail clients, I don't see myself as RPS, I see myself as an extension of their team. So regardless of where they work, when I'm working on their business, even though they're working with RPS, I'm working on their behalf and it's almost like I'm another person within their own agency. That's how I treat it. And I want all of our clients to feel that way when they trade with RPS or when they trade with James Rozzi.

Joey Giangola: Well, it's that having confidence knowing that maybe, like you said, you're on their team more, as in you want them to do whatever they can to retain their client. So that maybe miss out on this time, but you're going to get it on the second time around, because you did the right thing the first time. How much of that plays into being that next man up on the bench, if we're going to keep going with the sport?

James Rozzi: Yeah, absolutely. Look, I think wholesale brokers, by and large, our hit ratios are quite lower. We do a lot of work and 80% of the time we probably don't get the business because we're validating somebody else's placement or a standard market account, and we're not necessarily going to dislodge that structure the first grower. If you looked at your ratios from year one to year three, it probably goes 80, 60, 40 in terms of 80% of the time, we're losing, 60% of the time, we're losing, 40% of the time, we're losing. So as soon as you get that third year of working on a deal, getting more comfortable with the deal and bring it to the market, I think the market starts to use a more viable opportunity and the wholesale hit ratio goes way up.

James Rozzi: I think it's a little bit different than down on the retail side. If I imagine speaking to a lot of my retail brokers, they're looking for more that 50%. They're not going to work with an insurer unless they feel they have a 50% better or chance of winning that account and providing them with a product that's going to work. But no, I think it's all about taking swings. I mean the more opportunities you get, the better it'll be for the results really. At the end of the day, you certainly don't want to be running around like a chicken with your head cut off, wasting your time in the wholesale world. But especially when you're starting out building a book, you need to be out there. You need to be in the market. The carriers need to get more, more comfortable and familiar with you in terms of how you trade and how you're building your book and how you want to broker your deals.

James Rozzi: And so the more opportunities you have to run through the market, the more serious the underwriters take you, and the more serious the underwriters take you, the more value you bring to the retailer who's bringing you that business, and honestly the more deals you can get done. But at the end of the day, you get some deals done, you might get a few favors for a few underwriters here and there and then help you win when the business. And we tell our carriers, "Hey, look, this is an A opportunity, this is a B opportunity, this is a validation exercise." And so we try and be upfront with our carriers in order to foster that partnership to say, "Here's the situation. We have every opportunity to write this account for this retailer because of a situation that's occurring on that account." Their losses, aren't very good. Their deductible levels are correct. They're not buying the right cabinets. That's an opportunity.

James Rozzi: Your B opportunity is, here's a customer who's happy with their current coverage product, it's at a pretty good price, but there's some room for improvement. So we might present them a compelling alternative, but ultimately if they go with the same carrier for 10 years, they might say, "Look, I'm comfortable where I am. That carrier's paid my claims. And even though you've offered me some enhancements, it's not really worth it." And then you get to see opportunities, which still as a wholesale broker, it's important to work on those on behalf of our retail customers to make sure we're doing that due diligence aspect of our job and validating to the end user, the insurance buyer, that they're with the best home currently.

James Rozzi: And a lot of those are going to be deals where, "Hey we've done this for a while. We know what the rates should be. We look at that account. The rates are good. The coverage is good. The price is good, but you got to test the market a little bit to make sure." And it also helps keep other carriers, honest. Presents again, a little competition to make sure they're doing the right thing.

Joey Giangola: What would you think would be a good mixture of A, B and C opportunities an agent should be working at any given time?

James Rozzi: Good question. Probably, I would hope that an agent, if they're using their time wisely, it's got 50% of their time on A opportunities. And then hopefully 30% on the B, and then 20% or less on the C opportunities. Because my guess would be, in order to be a successful agent, again, you got to work hard. You got to know your trade and know your business and be consultative. But if you're spending too much time on those B and C opportunities, then it's a lot of time wasted. Especially, look, we're all working from home right now. And time is valuable to everybody, whether you're working at home or you're working in an office.

James Rozzi: But with the current environment we're trading under, everybody's time, at least in my opinion, it's gotten a little bit more valuable because it's harder to get those opportunities in the door. You're not out having the dinners, having the lunches, building those client face to face relationships. So if you get that opportunity you might just have one shot at it, so you better make sure it's the right opportunity that you're spending your time on, because if you're focusing your time over here on too many B and Cs, then you're missing out on the chances you could have to be working on more A opportunities.

Joey Giangola: Now what's the reality of the mixture that you generally see from agents?

James Rozzi: Look, when I was starting out, it was probably more 60, 40. There were 60% B and C opportunities, and 40% opportunities. But nowadays, I work with a pretty consistent base of clients. I've also been a big believer on, "Don't take in more business than you can handle." So people refer business my way. If it's not a good fit for me and my team, then we find the right resource within RPS to work with them, but I try and stay focused to the people that have been loyal to me. And a lot of the folks that have been loyal to me, we've built five, six, seven, even 12 year relationships. And so those clients, those retail brokers in particular, I would say they're spending 80% of their time on A opportunities and 20% of their time on B and C opportunities, because they're a little bit more established in their careers like myself.

Joey Giangola: Well, it seems like it definitely a nice place to be living, James, it sounds like for sure-

James Rozzi: Look, it takes time to get there. It took me every bit of 10 years to get there. Some people, maybe it takes longer. Some people it happens quicker, but I think the goal for anybody, whether you're an insurance or another job, is to find a spot in your life. Find a career you enjoy, do it as well as you can. And then the nice part about insurance or even other businesses, if you build the right relationships, then the rest takes care of itself. And I'd like to think that the customers that I trade with what I call my core client base, we've traded with long enough that they know my work style, I know their work style, and we're all, again, part of the same team in this together to win deals. And hopefully we don't lose too much either.

Joey Giangola: Yeah. I'm curious, what's the biggest adjustment that you've had to make, to make sure, you said, you are making the best use of that time since a lot of your weapons have been taken from you in the traditional insurance game. Where should agents be focusing that relationship building effort now given our current environment?

James Rozzi: Yeah. I think, again, it works the same if you're a retailer or a wholesale broker. I think you focus your time on being that doctor's second opinion right now. My gut tells me, and this is what I see, is whether I'm competing with other wholesale brokers, AmWINS, CRC, you name it. There's a lot of placements that are under a lot of duress. And so when an agent calls, says, "Here's what I got from so-and-so. What do you think?" I try and give it an evaluation that is fair and unbiased in the sense of, "Hey, I would've done this differently, or I would've done this differently." It's a sound placement. If I'm on the agency side, I think a lot of the sales calls that you need to make right now, or just, again, trying to understand what the situation is for each buyer, and who's maybe in a good place versus who's in a more challenging place come renewal time.

James Rozzi: If someone's in a learn share program and they have a competitive rate, then it's probably, "Hey you're with the right folks." And other than service, there's not much more we could do for you. If somebody is coming out of a multi-year placement with a single carrier on a rate lock, that's probably going away and they're going to be under a lot of duress come renewal time. If they've had some big claims, they're going to be under a lot of duress come real time. So I think as they evaluate those opportunities, what agents can do differently or what wholesalers should definitely, is just be there for the customers to evaluate what the opportunities are as agents and also brokers to add value. Not necessarily win the business, but add value or even potentially just validate what's already happening with their current broker structure.

James Rozzi: And get too far in front of your skis either with promising the world. Because right now under the current environment there's less face to face interaction, and the market's changing from an insurance buying standpoint, changing weekly if not faster. So what we told clients in April obviously is different today. What I'm telling clients for August and September business could potentially be massively different come November if it's a pretty active hurricane season. So you got to be pretty proactive in the sense of the advice you give, trying to forecast where to go and how to best evaluate business.

Joey Giangola: All right James, I got two more questions for you, sir. And talking about that advice, talking about being proactive, what is the one thing that you would want agents to know and/or do as it relates to property construction in the environment we're in? What's the most important thing they should be focused on right now?

James Rozzi: I think in terms of, if you look at construction, every day you turn on the news, there's a wood-frame apartment building on fire in some major city. So in terms of construction, I think the agents need to be aware that if those claims on the construction side don't start improving, whether it be fires or water damage, there will become capacity constraints, and it's going to get harder and require more time to get these deals together. So the first thing I think the agents should know is, challenging market, we're going to need more time. These deals can't get put together in two, three days, one week. You need a solid month sometimes to properly canvas the market, get to the right re-insurance channels and get the capacity clients' needs.

James Rozzi: On the property side, a similar conversation. You can put together a simple single-location quake placement in 24 hours. But if you're talking about a large account with a spread of risk geographically, then you're going to need more time. And I think depending on what part of the country you're in, agents need to be aware that. As an example, a lot carriers are tapped out of capacity in South Florida. So if they're going to deploy [inaudible] capacity down there from the carrier standpoint, it's going to cost a lot more than it did two, three months ago. Same thing if you look at A and B zone earthquake, which is Los Angeles and the Bay area from a quake perspective, the capacity is getting tighter. The metrics carriers want in terms of the return on the capital is more substantial.

James Rozzi: And so I think the agents just need to understand and need to keep in mind that until carriers have a few profitable years, until some of this uncertainty goes away, we have to continue to prep clients for what likely could be tough news and more challenging results, and make sure that as we're prepping them, we're not just saying, "Hey, here's a 20% increase, sorry." It's, "Here's an increase. This is likely what you need to, to expect and be planning for. And by the way, here's the tools we can use to hopefully improve the results." And what I could use more from agents, if I think about my own customer base is more feedback from them in terms of what is it that their customer wants to do by way of those tools. Do you have a client who wants to take more retention? Do you have a client who wants to self-insure alert? Do you have a client that wants to buy less limit? Do you have a client that wants to use all three tools?

James Rozzi: And so we got more feedback about the buyer's needs and the buyer's business situation, that helps us put our feet in their shoes a bit and hopefully get them a result that works for their business. And I think the most challenging part right now is that you have a lot of businesses that are struggling. And so some of the tools that we used to be able to work with when the economy was stronger or hotel working rates were 99% and every major city, it was easier to have clients take on a little bit more financial deductible risks. Right now, it's, "Hey, if we take on more deductible risks, we might not be able to pay the deductible." Or, "If we don't take on more ductile risks, we might not be able to pay the insurance." So in some cases it's a bit of a lose-lose situation. And that's also conversations I think would be good for retail brokers to have with their clients, and also share that information back with the wholesale side, just so we can put ourselves all on the right path.

Joey Giangola: All right James, last question. And we've gone over quite a bit of things, but I want to know specifically more about your outlook, where you think, opportunity is a hard word to use and find these days, but if you're looking for something that's right around the corner for you that you're excited about but you haven't quite been able to grasp it, what's that thing and how do you think you're getting there?

James Rozzi: For us, we're always looking for the edge of, "What's the new product we can deliver? What's the new need for our client?" And I think there's some opportunities in the construction space. There's some interesting stuff happening in the mass timber world that we're keeping a close eye on. We're trying to educate some carriers about that being a more prominent construction type that I think people are going to be using. And so we've got our eyes and ears on that a bit, which is too early to give you any hard information on, but excited about what we're seeing there. And then on the property side, you're seeing the opposite of program-building.

James Rozzi: You're seeing these shared limit programs go away. You're seeing products that people spent five or six years building disappear, whether it's a hab facility or a construction program or a deductible buydown product, just because when you have a more challenging market environment, carriers take their capacity back. They don't want to deploy it in these programs, these facilities, because they want to control it a bit better. And so I think for me personally, I'm starting to look at, "Okay, when this, when this all goes away, when this changes, what are some of the ways in which we can deliver risk transfer our clients differently? That would be new to customers based on what I see today. And I think in the earthquake side, in the parametric world, and certainly in the deductible world, on the quake business, I think there's some interesting stuff that we can do post-pandemic when the market kind of stabilize a little bit to offer clients the ability to buy earthquake coverage a little less traditionally.

James Rozzi: Because for decades, it's been this, "We're going to buy five, 10, 15, $20 million with a limit with a 5% deductible." And I think when you look at that, there's a lot of ways in which we can add value to that transaction that would either do away with the deductible, add in a earthquake trigger parametric component to it that protects clients when the big quake happens, but maybe shed some of the costs for some of those smaller events that might not create the same damage level that you would see in a bigger quake. So those are the two areas I'm personally focused and excited about once things start to stabilize. Right now it's really a keep your head down, work hard, take care of your clients and just make sure that you're staying on top of all the legal developments from COVID claims standpoint.

James Rozzi: All the carrier changes, Because there's a lot of carriers still rebalancing their books. So, for me, right now, it's really just about staying on top of all of that to make sure that when a client calls, we can give them the most accurate information on what's going in the market possible.

Joey Giangola: James, I'm going to leave it right there, sir. It was a lot of fun.

James Rozzi: Hey, you bet, Joey. It was great catching up with you guys and hope you have a really great week.

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Mental As Anything

7:30 pmFriday, 19 April 2019

Caravan Music Club

89-91 Archies Creek Rd,
Archies Creek , VIC 3995,

More details ↓

Formed at art school in 1976 MENTAL AS ANYTHING are now commemorating the 40th anniversary of their first 1978 record Mental As Anything Plays At Your Party with a reissue of the original vinyl. Special guest JR REYNE

Produced by the late Cameron Allan as the first product of Regular Records Label only 1100 copies were pressed at the time.

A re release of this disc in the original vinyl in late 1978 is being celebrated by a live multitrack multi camera recording of Mental As Anything’s 2018 full live show.

The present line-up of the band features original singer keyboardist Greedy Smith; ex Atlantics guitarist Martin Cilia; drummer Jacob Cook; guitarist vocalist Craig Gordon and bassist vocalist Peter Gray.

Venue details


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What Can We Help You With?

Real Estate Advisors (REA) offers a team of professionals focused on maintaining strong working relationships with clients, as well as productive, long-term relationships with owners, tenants, and the brokerage community.

After 35 years of experience, R&R Realty Group knows a thing or two about development. With more than eight million square feet of commercial space in our portfolio, let us know how we can help shape your next project.

With experts at Spark Design, R&R’s in-house interior design firm and ICON Construction, R&R’s own construction company, designing and building the perfect office space has never been easier or simpler.

If your company seeks to invest in commercial property in the Midwest, R&R Equity Partners can be your boots on the ground to find the properties that match your criteria.

Property Management

Management Professionals, Inc. (MPI), a subsidiary of R&R Realty Group, manages more than 9 million square feet of property across Iowa and Nebraska. Along with managing R&R owned properties, we provide these services for independent asset owners as well.

Realty Technology Services (RTS) provides technology services, as a consultant or contractor, exclusively to R&R clients and property owners. RTS offers a unique blend of technology services to accommodate the needs of property owners and their clients.

Our Leadership Team

Daniel Rupprecht

Mark Rupprecht

Steve Gaer

Chief Operating Officer

Tony Rogers

Chief Financial Officer

Chris Langpaul

Associate General Counsel

What Our Customers Are Saying

Olsson Associates requires a full-service office space that is able to accommodate the needs of our rapidly growing engineering firm.  R&R Real Estate has worked with Olsson with our first office in Urbandale, and when it came time to expand, we knew we wanted to stay with R&R. They found us a great space with room to grow and allowed us to customize the space to meet all our needs. The building maintenance staff is responsive and professional.  Our West Des Moines office at Country Club Office Park has now become a model for Olsson Associates offices around the Midwest.  We appreciate our relationship with R&R, not only as a client and contractor but also as a tenant and great landlord.

Darren Hennen

Office Leader/Olsson

In 2018 Bank Iowa embarked on a journey to build out a new corporate space that would sustain us for the years ahead. Technology plays a critical role in our organization and thus presented many unique requirements to RTS. Working with Steve and the RTS team has been a great experience and they not only met our needs, they exceeded them! RTS quality on both small and large jobs combined with excellent customer service and response made all the difference.

Jody Montgomery

Vice President of Technology/Bank Iowa

Explore Our Projects

R&R Realty Group is proud to have been recognized again as a “Top Workplace” by the Des Moines Register for 2019!


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SignalsEverywhere Podcast EP1: Es’hail-2, Favorite RTL-SDR Blog Posts and What SDR Should I Get?

Corrosive from the SignalsEverywhere YouTube channel is starting up a radio/SDR related podcast, and today has released episode one. The podcast is 22 minutes long, and in that time he discusses Es-hail-2, a geosynchronous satellite with an amateur radio transponder that was recently launched and activated, some of his favorite recent posts from our blog here at, including posts about a 3D printed V-Dipole holder, Radwave RF Analyzer, cloning 433 MHz devices, and finally he ends the podcast by discussing the question of what SDR is right for you.

Podcasts are a great way to catch up on what's happening in the SDR and radio world so check it out below or over on the SignalsEverywhere podcast post.

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Investment planning plays a central role in growing your wealth smartly and efficiently, whatever your objectives.

Whether you’re focused on short-term growth, funding a major purchase, or retirement planning, developing the right investment strategies will shape your success.

The Rubach Wealth team can provide you with access to sophisticated investment planning expertise and resources to bring your investment goals closer within reach.