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cecillewhite · 6 years ago

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Podcast 31: Inside Open Source Learning Systems – With eThink CEO Brian Carlson

WELCOME TO EPISODE 31 OF THE TALENTED LEARNING SHOW

To find out more about this podcast series or to see the full collection of episodes visit The Talented Learning Show main page.

EPISODE 31 – TOPIC SUMMARY AND GUEST:

The learning technology world moves so fast, it can be hard for practitioners to stay ahead of the curve. That’s why I invite innovation leaders to share updates in these 30-minute audio sprints.

For example, today we welcome a leader in the open source learning community, Brian Carlson, Co-Founder and CEO of eThink Education.

Join us as we discuss the latest developments in open source learning systems. You’ll also hear why these advances are important – especially for extended enterprise education.

KEY TAKEAWAYS:

Open source learning platforms like Moodle have driven closed source LMS vendors to reduce their price points dramatically over the years.

Open source learning systems are widely used. In fact, with a whopping 176 million users, Moodle is the world’s most popular learning platform – not just among educational institutions, but associations and corporations, as well.

Professional services are a key differentiator for open source learning solution providers, particularly compared to proprietary LMS vendors.

Q&A HIGHLIGHTS:

Let’s start with a quick look at your background as a learning systems innovator…

I began my career as a teacher for two years on a small island just off the coast of Australia. It was a sustainable development position with an organization similar to the Peace Corps, and I loved it.

Then, after I returned to the States, I worked as a technical consultant for six years at a company which, through multiple acquisitions, became part of Ellucian, the largest student information system company in the world.

What prompted you to start eThink?

I’ve always been entrepreneurial in nature. And while I was at Ellucian, working with different colleges and universities, I saw open source as an interesting opportunity.

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Moodle was just emerging as an open-source learning platform, and my business partner Cheryl Patsavos and I realized we could do very well by capitalizing on that. So about 12 years ago we founded eThink as a Moodle services provider.

So you started with LMS services for the education market?

Originally, Moodle focused on higher education and K-12 markets, so we began by supporting those clients. But because Moodle is based on open source, it quickly evolved to support nonprofit, government and corporate needs – including extended enterprise applications.

So we continued to expand our services to support a business-oriented derivative of Moodle called Totara. And our Totara services have been a tremendous success.

How do you describe eThink’s mission?

Ultimately, we empower organizations to maximize their learning initiatives through fully managed solutions.

In other words, whatever an organization wants to achieve – whether the use case is internal or external, and whatever the industry may be – we configure a solution that best meets the client’s objectives. This may come from any combination of products we offer, as well as partner solutions that work with ours.

So you’re kind of like a software company, but much more, because you’re software agnostic, right? Plus you provide all the support clients need?

Yes. That’s what makes us different. We’re not the only vendor that provides open source learning solutions. But we are 100% focused on services that meet our client needs. We have to be.

That’s how we keep our client base. It’s important to be pretty unique on the services side and deliver a lot of value.

Maybe we should take a quick step back. People may know of Moodle, but they may not understand open source, in general. Could you briefly explain the concept and what it means for learning systems?

Sure, John. On a day-to-day basis, we talk to many people who are confused by this because they aren’t immersed in technology.

Open source just means that the code base is freely available on the internet, and everyone can look at it line-by-line. Also, anyone can add to the code. This community involvement is how open source software improves over time.

Got it…

Open source software is actually surprisingly common. Think of the smartphones we use. iPhones are based on Apple’s closed source mobile operating system, but Android-based phones are open source products.

Interestingly, when Apple launched the iPhone, it dominated the smartphone industry. But now only 10% of us are iPhone users, while 85% of us use Android phones. That illustrates how open source can shape a market.

Wow…

Another great example of an open platform is WordPress. Almost everyone I know runs a website on WordPress. There are closed source blogging options, but they’re not nearly as popular.

We’re one of those WordPress users at Talented Learning, but I’ve never thought much about the open source angle. So for these open source initiatives, who creates the core code?

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You know, there are books written on each open source movement. But with Moodle specifically, it started in Australia when Martin Dougiamas was working on his graduate thesis project in late 2001.

His university relied on Blackboard LMS, which was the predominant academic learning management system at the time. They had nearly 100% market share. It was absurd. Since Blackboard was the only game in town, the price points were very high.

Ouch.

So Martin decided to publish a free code base on the internet, similar to open source projects in other industries. This way, universities everywhere could apply their deep academic and technical talent to contribute various code elements.

With this public, community-driven approach, any educational institution can run a less expensive alternative to Blackboard LMS.

Sure…

Actually, Blackboard prices have come down considerably over the years because of new competition from alternatives like Moodle.

And almost every open source story I’ve seen starts with this kind of question:

“What would it look like if we had more eyeballs and more community involved in product development and made it a free project?”

Excellent.

Then for every open source effort, there are logical next-step challenges like how to maintain the core code, and how to fund staff who can make sure that the best ideas are added and there’s some quality control.

Different business models have emerged to address these administrative issues. Yet they all start in a similar way.

But Moodle’s growth, in particular, has been fascinating. It quickly became the most widely used learning management system in the world – both in academia and in the corporate space. And it’s still the leading platform.

Wow.

Most people don’t realize how popular Moodle is. But worldwide, no one else is even close. In global market share, it beats every other product by a mile – especially in certain categories.

Moodle adoption is so massive because people can easily download it for free and configure their own implementation. Or, if they need assistance, they can rely on services like ours.

On the corporate side, there’s a perception that Moodle isn’t really designed for the business market. Do you agree?

Definitely not. It’s true that Moodle was originally built for academia. And when Martin first started, he gained a lot of traction in colleges and universities. That’s where this perception comes from.

But today, if I look at our Moodle-related sales over the last two years, probably 75% of net new logos are from outside of academia. Many people find our business emphasis very surprising.

So, with such deep global market penetration, is there any direct open source competition?

Others have tried. You need to scale and you need enough contributing members for an open source effort to find its legs.

Moodle has been up and running for about 18 years, so it certainly reached the critical mass needed for success.

Makes sense.

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Over the years, a few other organizations have come and gone because they never received the amount of traction needed for a successful open source project.

They may have looked at the core Moodle code and decided to add some elements to create what’s called a fork of that code. That’s what Totara did. And no one else has done it as effectively.

Totara approached this with an eye toward extended enterprise professional development. And Totara has definitely found success.

Right.

Totara’s channel model is similar to Moodle’s. And in some cases, Totara’s offering competes with Moodle, which has led to improvement of both products. When one takes a step forward, the other tries to match or beat it, which is great for customers.

Isn’t Moodle creating its own corporate version?

You’re right. In response to Totara’s success, Moodle is creating its own corporate-focused version called Moodle Workplace.

We’ve been a big contributor to that for the last two years, while it was mostly in stealth mode. But recently, they made it public. And honestly, they’ve got some great new functionality – great UI and UX changes.

This move is important, because Moodle is already used by corporate, nonprofit and government entities for professional education. But they needed to address this more strategically by wrapping their story around it and including specific functionality to back it up.

Interesting…

Frankly, I think they’ve done a nice job. We can already see that Moodle Workplace is very competitive.

We have clients that look at all three options – Moodle, Moodle Workplace and Totara. Some say Totara is a better fit for their specific needs. Some choose Moodle and others go with Moodle Workplace.

We stay agnostic. We put the solutions in front of our clients, but we let them choose. We listen to their need set and mock-up what the functionality would look like in those scenarios. But Moodle Workplace is making things more interesting.

Today, nearly 1000 different learning systems are available. 99% of them are commercial off-the-shelf, SaaS or cloud-based systems. Why would I choose an open source LMS over those?

There are so many reasons why it makes sense to at least consider an open source solution as a finalist when selecting an LMS.

First, the business model is flipped on its head, compared to closed source solutions. We don’t own the product – the community does. In other words, a license doesn’t lock you into a specific vendor for software or service. This gives you much more control.

Great point.

Another consideration is our flexibility in manipulating code and configuring it to meet specific needs. This flexibility really shines through with integrations.

These days, most organizations need to integrate all sorts of different things with their LMS. Upfront, you may not be aware of everything you’ll need. Instead, items surface down the road. And when they do, we’re here to help you adapt.

That certainly makes sense for extended enterprise scenarios, where integrations are especially important.

Right.

So let’s talk more about cost. Open source code is free, but once you add-in professional services, does the cost advantage hold up?

Core Moodle is a free solution. But we joke that it’s more like free like a puppy than a free beer.

Obviously, if you run this “free” solution on your own servers with your own people, there’s a cost. But if we do it for you, we believe we can do it at a lower price point.

Okay…

But from a broader perspective, data from the last couple of decades shows that open source solutions like Moodle and Totara have actually forced LMS price points down as much as 90%.

It’s certainly in that ballpark for per-user-costs, compared to the early 2000s.

Impressive.

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This has forced commoditization of closed source LMS solutions. But I tend not to lead on cost alone. That’s because proprietary LMS vendors aren’t our only competitors.

We compete with other open source solution providers, as well. And that competition incentivizes us to be incredibly proactive when it comes to service.

We’re highly consultative with our clients. And our responsiveness borders on obsession.

For instance, we respond to service tickets in less than an hour. Compare that with the average response time from other vendors, which can be closer to several days. That’s significant.

Although (like most vendors) you don’t want to lead with cost, I bet it makes a big difference at scale.

Yes, a massive difference.

Sure. Because it’s not uncommon for a small company to have a lot of customers.

Yep. Some of our client sites serve over 100,000 users. Several are approaching a million users. For them, it becomes extraordinarily inexpensive. But closed source learning platforms don’t seem to scale nearly as well when it comes to price.

So, what should associations or businesses know about customization? If they modify open source code, won’t that lead to complications in the future?

That’s precisely the basis for our business model, John. I can’t tell you how often prospects say, “We want to choose you because we can customize everything.” And we say, “Nope, you don’t want to customize.”

And then you show them a better way…

Yep. Nearly 100% of our solutions do not involve customization. Instead, we focus on configuration. Because when you customize core code, you’re adding a need to re-customize after future releases. That potentially adds costs and even some management risk. We don’t do that.

Good to know.

Moodle has over 1300 free modules available. So most of the time when someone says, “Can you do this?” it’s already been done. We can find it on the open source community. Or if it isn’t available, but the value is justified, we can develop a module.

For example, we just developed a Cvent plug-in in conjunction with our client, The Ohio State University. Rather than targeting students or faculty, it’s designed for professional certification training partnerships in the nonprofit sector.

This is a great example of a situation where you should create a module rather than owning it yourself. Hundreds of organizations are likely to find it useful. Our client saw the value in developing and sharing this module because they won’t have to maintain it. This approach essentially eliminates future cost-of-ownership for them.

Nice…

That’s the open source model. It’s the power of community. More often than not, we can apply or enhance something that’s already available, rather than trying to develop it from scratch. This avoids future risk or cost.

Excellent. So, let’s say I’m shopping for an extended enterprise LMS. What are the top three reasons why I should consider open source…?

…FOR COMPLETE ANSWERS TO THIS QUESTION AND MORE, LISTEN TO THE FULL 30-MINUTE PODCAST!

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The Hidden Value of Open Source

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Until recently, most open-source learning solutions served the academic market. Not anymore. Now, corporations big and small are leveraging the unique strengths of open source to deliver world-class learning solutions at an affordable price.

Do the advantages of open source make sense for your organization?

Join John Leh, Lead Analyst at Talented Learning, as he hosts a roundtable discussion with Randy Jones, VP of Business Development at eThink Education; Laura Kiley, Channel Partner Manager at GO1 and Ollie Browning, UK Sales Director at GO1.

You’ll get practical advice and insights, including:

Business and educational benefits of open source

Anatomy of an open source learning solution

Examples of successful solutions

Differences between open source and a commercial LMS

Role of content in employee and extended enterprise solutions

Top 5 uses of an open source LMS

Tips for getting started

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Looking for a learning platform that truly fits your organization’s needs? We’re here to help! Submit the form below to schedule a free preliminary consultation at your convenience.

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seeklms · 5 years ago

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LMS Software: 5 Ways It Affects Your Online Business

A learning management software (LMS) is utilized by organizations to create, distribute, manage, and to optimize learning and development programs. Though it was originally designed for education, organizations have been using it to deliver modules to close training gaps. Depending on its design, it can support both synchronous and asynchronous learning. For the former, there are tools that allow the instructor to facilitate the class and which enables students to engage and collaborate with each other in real-time.

Who is a learning management system for?

There are different types of learning management systems for an educational institution, a non-profit organization, or a for-profit entity to provide learning and development resources to their students. In a corporate setting, it is used to distribute materials that can enhance the training of employees and boost their skills in handling scenarios online.

What can a learning management platform do?

The best learning management system is capable of publishing learning resources in one click. Before that, it allows instructors to create their own resources and to update them at any time. It is also responsible for the streamlined distribution of guides, manuals, eBooks, and other training texts to the employees who need them.

Are there benefits in using an LMS?

There are numerous benefits of online learning platforms. An increase in worker productivity, enhanced customer service, a safer workplace, better employee retention, and employee collaboration are only a few. Read on to know more about the learning management system features and benefits.

It increases worker productivity.

Gallup reported in 2018 that U.S. worker engagement is on the rise, with 34% reporting that they are engaged. Meanwhile, 13% of workers are actively disengaged, a record low. These numbers are important because they affect the productivity of the organization, leading to higher profitability.

How does a company keep its employees engaged? One way to do it is to implement an LMS software. This solution allows organizations to enhance their skills through resources like eBooks. When employees have access to these, they can read on how they can be efficient in completing their tasks. They can also learn how to focus on their responsibilities for the day to avoid distractions. Thus, they can become more productive.

Moreover, employees can view resources repeatedly whenever they need refreshers because they are available from the company’s LMS.

Mobile learning is also a growing trend for learners to access materials on-the-go at any time.

It enhances service quality.

When starting a nonprofit, one thing that has to be considered is the growth of workers. Professional development is one of the factors that affect the decisions of employees to stay or leave. To make sure that workers get the training they need means to add to the growing list of expenses of a company. While that may be concerning, there are other ways to make certain that workers grow with the help of an organization.

LMS software solutions can serve as a training resource for employees. One of its advantages over physical training is it can be modified at any time. This means that workers can keep themselves up-to-date regarding the latest innovations or techniques in their fields. With this, they can apply what they have learned from their readings to their tasks immediately.

This is exemplified by the enhancement of customer service. Since companies can create their own learning materials, they can share general and industry-specific scenarios and guidelines on how to deal with them. These can prepare customer service agents so they are better equipped to resolve customer issues.

2. It improves workplace safety.

It is not always easy to keep employees apprised of the latest rules and regulations regarding workplace safety. While they gain initial training, follow-ups are challenging because of time constraints and variable availability of employees.

To remedy that, organizations can set up an LMS that can serve as a repository of manuals. This lets workers view guidelines on how to handle dangerous materials, for example, whenever they are unsure how to deal with them to avoid accidents. Additionally, employees can check for themselves instructions on how to use safety gear. This way, they are accountable for their safety at work.

As mentioned above, businesses can create materials specific to their operations. In a simple LMS, it is also possible to generate a learning path tailored to the needs or skill level of an employee. This can be advantageous to the health and safety aspect of a workplace since there are different sections that may require particular safety methods.

3. It boosts employee retention.

Though you can try building a startup without hiring a single person, you will have to recruit talents eventually. That in itself is a difficult task, but what’s even more challenging is retaining them.

In any organization, a high employee turnover means that workers are disengaged or dissatisfied with the workplace for many reasons. According to an article in Forbes, 2018 witnessed the highest rate of turnover in the United States. This is costing firms up to $160 billion per year due to the loss of high performers and the expenses for finding, hiring, relocating, and training new workers.

The HR Digest cites the lack of training on the job as one of the primary reasons that employees quit. As mentioned above, regular structured training can be challenging to achieve for some organizations. However, an LMS can be a remedy since employees can begin training modules on the platform at a required pace or at their own pace. This lets them develop continuously as well as grow in their roles so they can be better at their jobs. With this, they can be motivated to stay longer at a company and increase the success of training completion.

4. It fosters collaboration.

Did you know that employers put a high value on collaboration? And yet 39% of employees feel that they do not have enough teamwork in their organizations, as shown in a Queens University of Charlotte infographic.

While the main purpose of LMS is to provide additional knowledge to employees and to train them to complete tasks correctly and efficiently, it can serve as a platform for collaboration?

How is it possible?

LMS enables synchronous learning. This means that a group of students can work together in learning about a certain topic at the same time. This requires learners to be online at the same time to tackle assignments or modules. Hence, they can engage with each other and collaborate in real-time to ensure that every member of the group understands the subject.

Tips for a successful deployment

Not every LMS implementation is a success. At times, it takes several tries for an organization to say that their efforts are fruitful. Failed implementations are due to a lack of knowledge on the part of the implementation team or communication with end-users.

To resolve that, here are a few tips that an organization can find helpful in the process:

Choose a vendor wisely (check some learning management system software ranking for decision-making help)

· Sign up for a trial run

· Form an implementation team

· Draft a plan and timeline

· Migrate data

· Train employees for high adoption rate

· Make the switch

For switching to a new LMS, the process can be more difficult, especially if there are employees who are resistant to the change (maybe they liked the previous LMS too much). The key would be to make the transition gradual to give workers time to become familiar with the new system. This can also be advantageous because it gives the implementation team time to complete the data migration and to get everyone on board.

But of course, the implementation process does not end upon the complete launch of the LMS. Optimization is still required to draw the potential of the software to its full extent. On top of that, there are always new courses and updates to current programs to ensure that employees have a full stack of learning resources at their fingertips to fully maximize the LMS features.

Article Source : https://www.seeklms.com/blog/LMS-Software-5-Ways-It-Affects-Your-Online-Business/

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cloudeducationsolutions · 4 years ago

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Get Access To LMS Software On Mobile For Online Training

The LMS software is an integrated platform which helps in conducting online training and is equipped all the necessary tools for streamlining the training session. The LMS software help in designing the module and coursework and upload the content for the classes.

The mobile LMS software in USA is the one which can installed or downloaded on mobile phones. This provides students access to all the learning material online and hence helps with learning at the go. The mobile LMS help manage all the schedules and hence easy access to the online sessions.

Ø Creation and Upload of the Course Content

The mobile LMS software in USA gives flexibility to create courses in different formats. The course content can be easily uploaded and there are various formats which are supported including tabs, grids, forums etc. The online course is created for both virtual and classroom learning.

The software has a guest login and hence allows the users to login with the credentials to get access to the course material. The software enables registration by bulk users and hence get access to the course. The course training can be conducted based on the location with mix of instructions for the student.

Ø Features of the LMS Software for Online Training

· The mobile LMS software in USA is equipped with scheduling classes and sessions, registration of the admin access, keep a track of the attendance, schedule the resource and material.

· There are tons of communication tools like emails, newsletter, calendar etc. which helps in communicating with the team and the students.

· The course content in different forms can be uploaded and it is easily accessible through different formats like book, folder, scrollable page, PDF, spreadsheet etc.

· The students get access to multiple types of course interaction like chat, forums, feedback, workshop, checklist, knowledge base, custom forms etc. via mobile.

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zipgrowth · 7 years ago

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How an LMS Can Solve Professional Learning's Challenges—and Keep Master Teachers Engaged

The idea of using a learning management system (LMS) to deliver professional learning and development to K-12 educators is not new—but it’s not quite mainstream, either. Face-to-face is still the ascendant modality, but LMS-for-PD is gaining serious traction, thanks to the efforts of educational IT innovators like Ken Dirkin.

We figured, what’s good for the students is good for the teachers.

Ken Dirkin

Dirkin is the Director of Online Professional Learning at Michigan Virtual, a nonprofit provider of digital learning solutions for the state’s K-12 schools. He’s been involved with cutting-edge educational technology, including virtual worlds, mobile applications, new media, and the web, for more than 15 years.

Michigan Virtual has been in the online education space for two decades. The organization has been providing LMS-based professional learning for the state’s educators since 2004. “We figured, what’s good for the students is good for the teachers,” says Dirkin.

EdSurge spoke with Dirkin about how an LMS can make professional learning more affordable and personalized and keep master teachers engaged—as well as what professional learning might look like in the future. (Hint: Think AI.)

EdSurge: How does an LMS impact the types of professional learning a district offers to teachers?

Ken Dirkin: The role of the LMS in professional learning is essentially the same as it is for student learning. One key difference: an LMS used for professional learning gives teachers a chance to practice in the same environments their students use.

Because it’s an online system, it has the potential to expand dramatically the number and types of courses a district is able to offer. We offer over 300 professional learning courses that you can take anywhere, anytime. And because you can access them with your mobile devices—your phone, your tablet, your laptop—there’s a pervasiveness in the way you get to your courses.

Ken Dirkin Select Courses from Michigan Virtual: • MyPD — formally honors educators’ informal learning • Essential Instructional Practices in Early Literacy: K-3 Essential 1 — plus a playlist of sample videos available in these modules • Changing Minds to Address Poverty in the Classroom • Introduction to Phenomenal Science • Learn.BLEND.Lead 2018-19 — exploring best practices in the blended classroom

LMS-based professional learning gets us away from the ‘sit-and-get’ and ‘one-size-fits-all’ model, and moves toward personalized learning. I joke that we do macro and micro personalization. The 300 courses I mentioned are personalized in the sense that there’s probably a course in there that fits your needs. And then there’s the micro level of personalization, where you begin thinking about how to adapt a course for the needs of the individual learner, which requires our systems to be perceptive and to use data intelligently.

What problems does using an LMS for professional learning solve?

One of the major downsides of face-to-face professional learning, for which there is still an institutional bias, is that it’s just not scalable. Districts have to release teachers from their classrooms to attend, but it’s getting hard and harder to find substitutes. So, how do you reach your teachers effectively when you can’t even get time with them? I think that’s a problem that’ll spark a rapid adoption of these platforms for professional learning.

Using an LMS for professional learning is also more cost effective. It might seem more expensive up front, but there are studies out there showing how districts spend five to ten times more money on professional learning than they actually report. In Michigan, professional learning expenses reportedly account for between 2% and 3% of an average school district’s budget—specifically, registration for training and bringing in a speaker. But this doesn’t include the cost of travel time or substitute teachers. So, the actual percentage is more like 5% to 10%.

A lot of those costs can be reduced with online options. For example, we did a training for the Michigan Department of Education on how to administer state assessments. It was the first time we ever did this; they usually handed out 48-page paper handbooks. They asked us to put together something online. At the second largest school district in Michigan, Utica Community Schools, almost everyone on their staff took the course. It was a no brainer to say, okay, all you guys go take this half-hour course instead of us handing you 1,600 printed manuals.

What cultural shifts are driving change in professional learning offerings?

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I finally went to the doctor for my period( lasting for nearly a month now) Currently self-pay but wanted to know if I can get affordable insurance by my next Doctor visit. I need to get lab work done, which everyone tells me its a lot of money. And I have to visit a Gyno for an ultrasound which when I called I received a price I cant possibly afford right now.What I do know is that I can't afford to miss the appoint ments. I am concerned about my health. So if anyone have any suggestions or answers please let know.""

""How much woud monthly car insurance cost for a 19 year old, and a 1963 Dodge Dart?""

I saw I nice 1963 Dodge Dart for sale, and Id like to get it but Im not entirely sure how much insurance would cost, if I can get some sort of ballpark range so I know whether or not to buy it""

I am looking for health insurance?

I run a small nonprofit with a staff of 3. We are looking for affordable health insurance.

Getting married early for health insurance?

I'm wondering if there are any risks to getting married early in order to qualify for future spouses health insurance? For example, what are the tax implications to getting married? Were already engaged and were planning to marry later next year, but now that Im between jobs it would be much more affordable to access spousal health insurance rather than COBRA.""

""Nice looking cars, with cheap insurance rates,under 10000?""

I'm looking to get rid of my mr2 turbo cuz I need something with at least 4 seats. I want it to be good looking (I'm a 20 year old male) but cheap on insurance(full coverage). I live in Cali if that has to do with anything. I been considering mazda 3s, mazda 6, acura tl (doubt insurance is cheap on these) and honda civic si. I'm not looking for quotes just ideas on what cars are cheap to keep those in mind while I shop. Thanks""

Does being a cyclist affect health insurance rates? How so?

A cyclist might be more at risk to injury in accidents because they're on a bicycle instead of inside a car, but cyclists are probably generally healthier.""

Insurance through my work...?

Well im 19, and I just got a full time job through the city. Theyre wanting me to fill out their insurance papers and get on theirs, but im still on my dads insurance which is better coverage. Im covered on my dads until im 26. Im just not sure if I go on the cities what will happen to my coverage with my dad if it will just cancel me or if I will be on both or what. Idk. The cities insurance is free to me too so that isnt a factor. Thanks!""

Best health insurance for grad students?

My fiancee and I are both graduate students and are looking to get health insurance in the next 6 months. The health insurance plan of the university we attend is terrible. Does anyone know any tips on finding a good health insurance company/plan? I don't even know where to begin! Thanks!

Which car insurance company fit what I want?

Hi, I recently cancelled my car insurance from State Farm because they were over-charging on my bill. I am 19 years old, and have a new car (Honda Accord Coupe) which is a 2 door which is considered a sport's car. Because I'm a young driver, and it's a new car, and it's a sports car my insurance was off the roof. I want to find another car insurance that will have fair coverage and is affordable for me. I live in PA if that helps as well...""

Cheapest way to buy new glasses without insurance?

I recently broke my glasses that ive had for two years. I am currently in a predicament that does not permit me to spend alot of money on a new pair and to make matters more complicated, i do not have any insurance. I cannot apply for medicaid so that is not an option either. I need a fast alternative or some ideas as to how I could go about buying a new pair preferably under $100. I constructed a plan of buying my own frames and having the lenses filled but all the optical offices i called do not allow that method, they prefer you to buy their glasses. Thanks (:""

Does auto insurance cover any vehicle I drive?

Whats an Affordable Auto insurance if you have 2 at fault accidents?

Hi I just turned 18 and in May I was blocked in at school and I had to leave. I hit a car and was dropped from Geico because it was my 2nd at fault accident. It just left a scratch on the car but still. I want to go to college full time and I need a job but I cant go to college at all if I have to pay 300 a month, which esurance was the lowest quote I got. So is there any places that can help me with my insurance so I can work part time and go to school full time?""

What is an SR22 insurance?

Why do i need an SR22 ? Can someone Explain what it does? How about the cost?

How much is insurance?

how much is insurance for a 1978 corvette stingray?(i want to know how much it is and also if that price is low or not also if i got a older corvette would the insurance go down?) i am 16 but i have a 3.5 gpa im also a guy if that changes anything also my parents insurance is really low.

Who provides cheap car insurance for young people?

I am 19 (nearly 20) and live in Leeds. I have a 2002 1.6 ford focus valued around 4000.00. My insurance at the mo is with Quinn and only 3rd party fire and theft and is 85.00 per month. I have 2 years no claims and want fully comp. Anyone got any idea's where I can get it cheaper? The price comparison sites aren't helping that much, any ideas?""

Scooter 50cc and 125cc insurance??

Can you please tell me how much insurance in Ireland would cost for a 16 year old boy don't say phone up the insurance company because i am just wondering how much it is thanks if you know I was looking at 125cc scooter which is insurance group 2 I was also looking at a 50cc scooter insurance group 1 Thanks for answering and please tell me your prices in euro thanks again.

250CC motorcycle insurance-How much should I expect to pay?

I am looking to buy my first motorcycle. I am looking in the 250CC category. I have narrowed down to 1. Yamaha Virago 2. Honda Shadow I am 29 yrs old male with good driving record for car. Have good credit history. How much should I expect to pay for insurance for the motorcycle if I buy 1. NEW 2. USED (my preference). I would probably look for a MB with 10-15K on it.

What are some problems with mandatory health insurance?

In California, you are required by law to insure your car...so what would be some problems with similarly requiring that parents provide health insurance for their children? This pertains to minors only...what if parents were required to insure their minors?""

Can I rent a car without insurance in Texas?

I haven't had a car for awhile but manage to get around easily. However my main ride source goes out of town for a month on Tuesday. I booked a rental through Enterprise online for use until main ride returns. Having not owned a car for awhile, I have no insurance, so my question is: will enterprise still allow me the rental without having personal insurance? I know they have insurance to purchase at time of rental, but I need to know if I will be denied rental without my own insurance. Please know what your talking about and be sure of your answer! It's very frustrating when people who don't know the answer respond with inaccurate information.""

""Is a classic muscle car a good choice for daily driver, such as a chevelle?

I love old muscle cars i have always wanted one forever. I would like a 68-72 chevelle. is the a reachable goal? I have 12-16 thousand dollars to spend. I would like a chevelle. If you own one could you plaese tell me how great they are or how often they break down and how much is needed to keep them a daily driver? if this idea of driving a classic muscle car is not possible what type of car would satisfy my love for classic muscle? if i did get a chevelle is it worth buying a true ss or should i get a cloned ss because they are cheaper? 4 speed or automatic? and how high would the insurance be for an 18 year old in new jersey driving a chevelle. please put in your comment if you have or had a chevelle so i can see who has had actual experince with one of these treasures. Thank You

Is there such a thing as divorce insurance?

My parents are getting a divorce and, since it's California, the courts favor the female. Even though my mom and dad earn about the same money, my dad has to pay this huge amount to my mom for child support because she got more time with my younger brother. He's 12 and he told the mediator that he would rather live my dad full time, but the court gave my mom more time and made her the custodial parent. How old do you have to be to tell the court which parent you want to live with all the time? Also, just like there is medical insurance, has anyone ever heard of divorce insurance? It would kick in if you're ever stuck with child or spousal support. I haven't found anything on the internet yet.""

How much would insurance be for a 1998-2001 mitsubishi eclipse for me?

im 16 and i need a car i would like to get a mitsubishi eclipse like a 1998-2001 model but I dont know how much my insurance would be. like i said im 16 and my grade point average is about a 2.5-3.0 (i get D and C) so if any one know plz share with me, thanks!""

Is it okay to drive your parents car but dont have insurance yet but your parents gave permission to drive it?

Like if i was to be pulled over which I plan on not being because I drive very carefully but with cops now a days they will pull you over for no reason and just follow you and pull ...show more

""I touched a car bumper when i was backing, how much that would affect my insurance?""

I touched a car bumper when i was backing, how much that would affect my insurance?""

I need health insurance?

i am a student in college from the ages of 18-26 looking for a affordable health insurance..

Car insurance price after a year still high. Any suggestions?

Hiya, So basically I have been driving for a year as a named driver on my dads policy. In that time I haven't had one accident or claim, no speeding tickets and never ...show more""

Why are my insurance quotes so high?

20 year old male toronto ontario G2 issued oct 2011 G1 DEC 2010 car 2003 toyota celica never been insured before quotes came up as 12000-16000/year i tryed it with a 4 door honda accord and it was 10000/year, i tryed 3 websites. Also is there an easier way to find auto insurance around toronto?""

What's the average price for teenage insurance?

my parents are making me pay for my insurance over the summer, but they won't tell me how much it is until then. can someone tell me the average price or something? i drive a 2000 mazda b truck (similar to a ford ranger). i just need a rough estimate. thanks!""

Does MetLife car insurance cover household members?

I recently obtained my Massachusetts Junior Operator License. My mom has metlife car insurance and I'm trying to figure out if I'm covered on the insurance. The metlife website says that it covers you, members of your family that live in your house, and anyone who uses your car with your permission Does that mean that I'm already covered or do I need to be listed under her insurance policy?""

""What is the rate of car insurance in denver, co?""

also, i am going to be going school there and i am from hawaii..will i have to change my license plate and get a new car insurance or can i keep my hawaii insurance because im just a student.""

Quiting smoking. Insurance will cover the patch.?

Only if I have a perscription from a doctor. I can purchase the patch or gum at the pharmacy with out a perscription. Why does the insurance company insist on a perscription for it to be covered. It just dosent make since. A lot more people would quit or at least try, if the patch and gum was alot cheeper. To purchase it out right the patch runs about $35 to get it with a perscription it is only $20. That is less than a carton of cigaretts. Why dont they make it easier to make that discision to quit. Make the quit smoking aid less expensive then a carton of cigaretts.""

""In India, which company offers cheap insurance price for car ins. and bike ins.? Thank u in advance.?""

In India, which company offers cheap insurance price for car ins. and bike ins.? Thank u in advance.""

How much is car insurance in general?

I dont car about what it cost at a certain age, just want one solid answer""

Replacement Cost Insurance vs Regular Insurance?

WHich is better I live in a area where home owner's insurance is increasing and I'm trying to get the lowest premium possible within reasonable coverage limits. I know replacement insurance is good but what is not so good about not having replacement costs.

Can I purchase a car in my name but put the insurance in someone else's name?

I plan on purchasing a car soon, but I want to put it on my fathers insurance because it would be cheaper to pay. Is that possible? also does it depend on the state that you live in? If so can someone tell me for the state of Virginia? Thank You.""

Good auto insurance?

i have quite a complicated issue with insurance 1. im CANADIAN andi go to school in the states but do not hold a Michigan drivers license -however i CAN get one 2. i have no document history in michigan so this puts me at a high premuim so is it possible for the insurance companies to insure me in michigan and use my canadian driving history....im 21 years old female...also i was thinking if it is possible to put it under my parents plan who are canadians but if they could purchase an american insurance plan and use there canadian driving history to get a quote...thanks!!

Does auto insurance cover any vehicle I drive?

Are VW Beetles cheap or expensive to insure?

I've been looking into getting a car (I'm 25, female and it will be my first car) and I'm really loving VW Beetles. I'm leaning more towards getting an old one (say around 1970), maybe the convertible version, if I can find one. Either I would restore it myself or buy it already restored... it depends what I can find. On one hand it would be fun to restore it myself and I'd learn a lot, but on the other hand it could become quite costly. I'm just wondering whether or not they are cheap or expensive to insure? I'm thinking they would be fairly cheap? The reason the beetle appeals to me is it's very cute and also they get great gas mileage. I only really drive to and from work, which is about 20 - 30 mins each way. I don't drive long distances. Any info you can give me about beetles, I appreciate it :-) Thank you! (I want a red one!)""

What is the cheapest car insurance and that is good for a teenager?

Im starting to almost drive already but i need to knowwhat insurance company has the most economical car insurance for teens?? please let me know and tell me how much you pay for ur kids or even for yourself btw my car is a 2004 volvo s40 2.4i if that matters.

Why is massachusetts excluded from affordable life insurance companies such as colonial penn?

and mutual of omaha.

Health insurance question?

Can anyone explain the difference between state, federal and private health insurance if you're unemployed?""

Car insurance claim against me?

Hi, I have received a letter from my insurance company stating that i have had an insurance claim against me, and i asked them for more detail, the time and date. They gave me the place and date, and i was there at the time of the incident, but i did not hit the car that they stated. I was parked (front of car) against a metal barrier, spaces either side of me, but someone went and parked behind me. i got my friend out the car to guide me back as i did (sort of a 3 point turn) to get out sideways. I did not hit the car. Someone was approx 50-75 feet away and they must have taken the reg plate. There was noone else around at the time, otherwise i would have asked them to move their car. Please help!!!!!!!""

""I just got my m2 on the weekend and i need to find the best motorcycle insurance rate I can, 18 M in Ontario?

recieved my motorcycle m1 in march this year and m2 lastweekend. I hold my G license since january 2011 and have a perfect driving record. I need to find a insurance company that will insure me. 18 year old male in Ontario looking at a bike between 250 and 500cc. Thanks

How much would the car insurance be for a 17-18 yr old male?

The car would be an original Austin Mini Cooper (1990 Edition). It would also be on my own insurance, not parents. Thanks.""

What do i do with no insurance? when i go to the doctor and no insurance?

i work at mcdonalds part time, and have no insurance or health benefits, how do i get insurance to pay for doctors visits? How can i afford health insurance or where do i apply 4 health insurance?""

""I need cheap car insurance, which company would be best?

I'm a freshman in college getting a car and I have a tight budget. Please help.

Adding new auto insurance to my existing policy?

I live in Oklahoma, my wifes parents just cancelled all the kids auto insurance, I'm going to get my wifes insurance on my policy but I was wondering if we could add her brothers and sister to ours as well? They're young and are having a hard time paying bills the way it is. I thought if I put them on ours then they would get a little discount. They don't live with us. Is that a requirement? Any help would be appreciated, thanks.""

Motorcycle insurance question?

I recently had an accident on my 2003 Harley Davidson. It is essentially totaled. How much on average will my insurance cover. I have relatively good insurance. Just wondering what you thought.

""I'm 21 with the Gerber Life Insurance policy plan, should I continue?""

I got a mail indicating that I am not the owner of this policy (my parents started this for me when I was young). So I have a few questions, now that I am 21, do I have 10,000$ worth of life insurance for the rest of my life (without having to continue paying?) Why would I want to continue paying if this is just here as insurance in case for my burial costs.. isn't 10k enough for that? If I stop paying will I still have this 10,000 dollars in life insurance, or am I being forced to pay in order to keep it?""

How much will Mirena IUD cost without insurance?

I go to a local clinic and My copay is %75 of the bill . How lovely right lol , How much would the Mirena cost ?? any ball park figures would be great thanks!""

NYS car insurance. NYS only please?

My insurance is due on the 18th of October. I cannot pay until the 1st of November. I will be 11 days without insurance. WILL I GET A SUSPENSION or PENALIZED for 11 days?

On average what does a automotive insurance adjuster/or a body shop estimator make annually?

What is the best Home Insurance?

What is the best Home Insurance company? How much should I expect to pay each month for Home Insurance for a $300,000 brand new home? Are there things that I should include in my Home Insurance policy that is not mentioned to me? The home is in Fresno California.""

Where can i find cheap auto insurance?

I am 18, almost 19""

Can I legally drive my fiances mothers car; will her insurance cover me?

I'm 20, I will be 21 in a month. I got my Provisional Drivers License today. I have a toddler, and am pregnant. We live in Calvert County, Maryland. My fiance and I live with his parents, we rent 2 rooms. His mother is 69, and has All State car insurance, not sure what plan. Can I legally drive her car infrequently, like to the grocery store, or to OB appointments here and there without having insurance myself? Does it depend on her plan? She's going to call them tomorrow to see, but I'd just like to see what answers I get on here tonight. Any help would be appreciated, thank you. Will it cost money or make her insurance more expensive to have me added as a driver to her policy?""

""In Texas, do you need Liability Insurance (if you don't own a car) to obtain a valid drivers license?

Do you need liability insurance if you don't own a vehicle?

Cheap car insurance for teenagers?

I passed my test yesterday, I'm 17 but turn 18 in 3 months. I have my own car and I'm desperate to start driving. I spoke to dozens of companies and the minimum quote I got was 3000 something a year or 288 monthly with ingenie, which I don't earn enough wages for let alone without the cost of petrol. Can anyone recommend cheap insurance companies for new drivers? My mums won't insure me because of my age and told me I need no claims but I don't get how I can get no claims when I no one will even insure me? I'm really upset because I've spent 1100 on learning. Be grateful for any advice!""

How much does it cost to rent or lease a?

How much does it cost to rent or lease a car for 3 months? Do i have to pay it all in advance or pay monthly? also insurance options or mandatory full coverage?

How much is full coverage car insurance under the general?

Im 16, drive a 2005 kia spectra, get good grades and live in az oh and the car isn't red.""

College Health Insurance in New York?

I am a full time college student in New York and have always been a resident of New York. In a week on my 19th birthday my health insurance through, Child Health Plus is going to end. I am unemployed and my parents do not have the options of family health plans. I do not know what to do I need to have coverage to be safe, does annyone know where I can get affordable health insurance as a student and at my age in New York.""

Car Insurance Question?

I have bad dmv record. An accident, a failure to yield and 2 speeding tickets within the last 3 years. I totalled my car and can only affod a car I can buy cash, which I have 18,300 dollars currently. Is there a max of how much the car can be worth for liability through the insurance agencies? I am thinking of spending about 14,000 cash and just getting liability. Is this a good idea? Or should I get a cheaper car? Help is very much needed. Thank you""

How can I get a better auto insurance settlement?

I was involved in a collision recently. The other partys insurance company (met life) agreed that it was their clients fault. However, the other party had a witness saying I was speeding which I knew I was not. The claim adjuster from met life told me that there maybe a high possibility that theyll only give me 80% of the repair cost once it is proven that the witness doesnt know the other driver. If thats the case, is there a way to get a higher %? Or Ill need to fill a lawsuit against the other driver? PS: I do not have full insurance coverage, thats why Im dealing with Met life myself. I have not gone to get an estimate on repair cost yet, but will do tomorrow.""

Does auto insurance cover any vehicle I drive?

I want to get my own car but I can't because of my parent's insurance?

So my parents have an insurance plan where they are covered with both of their cars and my sisters car is listed as an extra car to save money. I'm about to turn 17 and I've had my drivers license since October. I've been driving around my mom's car but I want to get my own. I've even offered to keep my moms car and give her my own money for her to get a new car if she wanted. I've been saving money for my own car since I was ten. So basically my parents can't add another car on their insurance because my insurance company would find out about me driving it. I'm pissed because I have all the money for my own used car and I'm a safe and responsible driver, but I'm forced to use my mom's car. I'm not that type of kid who wants a new flashy car to go with the crowd, I just want something of my own so I have no time restrictions. I can't go anywhere without my mom calling me asking for her car. I know I can't afford my own insurance, so what can I do insurance wise to get my own car?""

How much more would insurance be for 16 year old with a V8 mustang as opposed to a 6 cylinder one?

I would be on my parents plan at state farm, I just want to ask before i call. I get to chose my car so i am just researching. They would be about the year 2000 with no problems. Also my parents have perfect driving records.""

Does my insurance liability have to match my room mate's?

They own their own home and I was told by their agent that my liability on my car has to match theirs for their protection. Note my car is very old and I just want the cheapest insurance I can get.

Someone who knows California car insurance?

So my parents are out of town for the weekend and my aunt is watching us. My brother has his permit and he was driving my aunt & I around. My aunt was in the passenger seat. So my mom called saying that my brother can't drive until she gets back because he is not under her insurance. Is this true ? Or is she just saying that ?

Can I own two cars and insure them through different insurance companies?

About how much does insurance cost for a 16 year old male in new Mexico cost????????

Who has the cheapest Full Coverage Auto Insurance?

Me and my husband are looking for full coverage auto insurance for both of our cars, a 2005 Chrysler 300 and a 2005 Chrysler Sebring, to be exact. I am under 25 years old (I am 24) and he is 25. As of right now we are insured by State Farm. As you can imagine being that I'm under 25 and he is a male and we want full coverage, our insurance is extremely high. Does anyone know of any reasonable prices in Houston for a young couple such as ourselves????""

How much money does car insurance go up per year after an accident that is your own fault?

My wife and I just had an accident in a parking lot in which we backed into another car that had almost completely backed out already. No one was hurt, but the damage caused by our car is between $1,000 and $1,500. We will not have the damage to our car repaired. This accident is our fault; however, both of us have had a completely perfect driving record up until now. We just want to know how much this accident is going to make our insurance go up.""

Insurance for motorcycle?

i live in Montreal Quebec, and would be around 18-25 years old would a Kawasaki ninja 250 (250cc sport bike) be more expensive than a 800cc cruiser? cuz i was originally intresetd in the 250 because of its fun factor and etc... but my uncle is saying that insurance would be a lot because it is a sport bike and i would be still young, so its better to get a cruiser (sportster style bike) because it is heavyer, stabler...and will cost less to insure. but im a little skeptical because a 250cc engine really is not fast (compared to the 600cc sport bike) and a guy on youtube said that his friend pays a little less than half of what he pays for his kawa. 900 custom""

How much is average home insurance; with a pool?

Why did health insurance prices double in the last 5 years and not car insurance?

family health insurance plans went from 9,000/yr to 18,000/yr during Bush's administration. Health insurance is quickly becoming the average American's #1 cost, soon to exceed rent.""

""I got a problem, my daughter just got her drivers license and because I could get cheaper insurance with?""

another company, I switched insurance companies. Needless to say yesterday when she was backing out of our car port she hit the carport pole and scratched my car pretty bad and knocked some trim off. The scratch bothers me the most because it's long and down to the metal and paint is chipping off. Can anyone tell me how I can fix this with out filing a claim?""

Car insurance - Apply in person?

Are there anywhere that I can apply for car insurance in person in London?

WHAT WOULD HAPPEN IF I DRIVE WITHOUT CAR INSURANCE AS WELL AS NO FULL UK LICENCE?

HELLO, ONE OF MY FRIEND WANT TO KNOW, WHAT WOULD HAPPEN, IF HE DRIVE WITHOUT CAR INSURANCE, AS WELL AS WITHOUT FULL UK LICENCE. HE HAS GOT PROVISIOAL LICENCE, JUST ASKING. HE NEVER DRIVE ANY CAR WITHOUT FULL LICENCE AS WELL AS FULL INSURANCE. JUST HE WANTS KNOW. WHAT WOULD HAPPEN IF POLICE CATCH HIM ON THE ROAD, I HEARD THAT POLICE WILL TAKE HIS CAR,SCRAP THE CAR, WHAT ELSE, WILL HE FINE OR PRISON? HE JUST WANT TO KNOW.""

How do I get health insurance?

I'm self-employed, so I can't get it through my company. I currently am on my wife's plan, but pay $260 a month. I've been told that's overpaying because I'm 26 and healthy as a horse. I've heard it should be between $90 - 150. How do I get a new health insurance plan?""

Did Alanzo have car insurance in Training Day ?

https://www.youtube.com/watch?feature=player_embedded&v=InPoPRfqNWM If he didn't have car insurance why do we have to?

Help! Will the insurance company pay for my totaled car?

My daughter who is 19 has full coverage on her car which is in the shop being repaired for hail damage. She cannot rent a car because of her age, so she has used my car for about a month. My car has liability only. She was recently in a car accident with my car. Another car caused the accident which caused her to side swipe another car and then she hit a pole. The car that caused the accident sped off. Nobody got the license plate number of that car. Should my insurance pay for my totaled car since her car was in the shop? Luckily no one was hurt.""

Infinity insurance reviews?

Me and my husband are looking to change insurance companies for our cars. We currently use Geico, but it just got really expensive. We got a quote from a broker of a company called Infinity but I've never heard from them, I was wondering if anyone has had any experience with this company or could give me some reviews about it! Thanks a lot!!""

I dont get what to do about car insurance?

Im 16, and ive had my permit since last august, and im gonna go for my license. I lived with my dad, but i have been living with my mom for a while. Im probably going to go on my dads insurance. But, can i drive my moms cars. So my questions are 1. Can I drive my moms cars when if i am on my dads insurance, is there a policy where I can drive other peoples cars? 2. Can I go on my dads insurance if I dont live with him? 3. Im not on any insurance now, I drive with my parents. They are on the insurance and their cars are covered, so do I already have to be covered with just a permit. 4. Im going to use my moms car for the driving test, do I have to be on insurance by then? I know they check for proof of insurance but i dont know if im supposed to be on it. My parents are divorced and I live in illinois and they have different insurance companies.""

Anyone know pricing on auto insurance for a Cadillac CTS 2003?

Car insurance on a ROUSH.?

How much would it cost for a 17 year old, with no tickets and had never gotten into a wreak, to be covered on a 2007 mustang roush?""

Can an uninsured person get affordable dental care?

I have a deep cavity in my tooth. It's really starting to hurt me. I know it needs drilled and filled, but I barely make enough money to pay bills, let alone dental care. My job doesn't offer dental insurance, either. Is there anything I can do?""

If my car insurance gets canceled b/c of late payments?

will they reinstate it again if i paid what i owed in full?

I got a speeding ticket in Toronto but did not receive demerit points. Will my insurance rates go up? I am 21.?

I got a speeding ticket in Toronto in the jurisdiction of 4863 2 days ago. I did not receive demerit points as I was only 15 km/h above the limit. Will my insurance rates go up if I plead guilty and pay the fine? I am 21 years old and my parents are currently with Wawanesa. I have a G lisence.

Does any body know car insurance company that will insure left hand drive in the UK?

I have try search om google and phoning car insurance company's and no luck so far(5hours looking and phone some company's up). Car info Ford F150, 3.6L and maybe Honda civic 1.8.If u know any company's that worth trying please leave the name and contact number. your help will be great full. (first person that find the company that will insure theses cars will be best choose answers, I will contact them and if the will u will be best answer.)""

Does auto insurance cover any vehicle I drive?

https://www.linkedin.com/pulse/cheapest-car-insurance-17-year-old-beland-rajka"

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djgblogger-blog · 8 years ago

Text

5 things that have changed about FEMA since Katrina – and 5 that haven't

http://bit.ly/2xwq274

FEMA's handling of Hurricane Katrina inspired resentment in the affected communities – but did it bring about real change in the organization? Dental Ben, CC BY-SA

Hurricanes, wildfires and earthquakes – is the Federal Emergency Management Agency ready for the new era of disasters?

I’m a professor of public administration and policy at Virginia Tech, and I’ve written a book explaining why expectations of this agency are so high – unrealistically so.

After Hurricane Andrew hit Florida in 1992, the emergency manager of Dade County, Florida famously asked the media, “Where in the hell is the cavalry?” after her requests for aid from FEMA went unanswered. Picking up on the anger, some members of Congress wanted to abolish the agency as punishment for its poor response.

FEMA survived, but it came under blistering criticism again after Hurricane Katrina killed 1,833 people and caused more than US$100 million in damage.

The response to Hurricanes Harvey and Irma has gone much more smoothly – at least so far. So what has changed with FEMA since Katrina?

5 things that have changed

1. Leadership

Presidents learned the importance of placing experienced emergency managers in charge of FEMA. During the Katrina disaster, President George W. Bush told FEMA Director Michael Brown, “you’re doing a heck of a job.” Ten days later, Brown resigned in disgrace.

FEMA director Michael Brown was forced to resign over his mishandling of Hurricane Katrina. AP Photo/LM Otero

Brown was only one of the agency’s problems at the time. An academic analysis found that turnover among FEMA leadership and appointees without sufficient qualifications contributed to the agency’s halting response. Before joining FEMA, Brown supervised judges at horse shows. He joined FEMA through a connection with his college roommate, Joe Allbaugh, who was President Bush’s first campaign manager and FEMA director.

Since Brown, presidents have appointed FEMA directors with emergency management experience. Current FEMA Director Brock Long was director of the Alabama Emergency Management Agency, and had previously worked at FEMA.

#2. Community perspective

One of the signature initiatives of FEMA during the Obama administration was the “whole community” approach, intended to involve the private sector, community groups and individual citizens in disaster preparedness. The whole community approach was intended to harness the assets of civil society, draw attention to disaster resilience and improve coordination.

For example, businesses played a key role in the Harvey response. Individual store owners opened as soon as they could to help distribute what people needed. Texas grocer H.E.B. sent convoys to the affected region. The whole community approach is not the only driver of private sector involvement, but it reflects FEMA’s commitment to approaching the private sector and groups of concerned citizens as partners rather than as subordinates in disaster response.

#3. Cell phones and the web

Social media inspired collaborative, bottom-up responses that we have only begun to understand. During Katrina, social media was a hobby of techie students. Facebook was not yet available beyond universities. Today, government agencies and rural Texans and Floridians use social media. People found out which shelters were open and who needed help during the storm through texts and tweets. Social media also drives the government’s response because government responds to what’s on CNN. Imagine if pictures of the dangerous conditions at Memorial Hospital, hidden from news cameras during Katrina, had been circulated on the internet and broadcast on television. Lives might have been saved.

#4. Going beyond rebuilding

After Katrina, resilience replaced sustainability as the organizing concept in disaster management. Government agencies and private foundations used the term as a rallying cry to focus efforts on how to prepare for inevitable disasters rather than just avoid them. The Rockefeller Foundation even funded resilience officers in local government beginning in 2013.

At its best, resilience refers to the idea that communities can do more than just rebuild. They can invest in levees, canals, wetlands and insurance to adapt to a changing normal.

At its worst, resilience is an empty term that gives the impression that cities can bounce back if only they try hard enough. In truth, low-lying regions will have to decide to limit construction and inform people about true risks – both difficult in the face of a worldwide trend toward urbanization and pressures to develop land and make money in the short term.

#5. Early movers

After Katrina, Congress gave FEMA greater authority to move resources to a disaster zone before a storm rather than wait for formal requests from governors after the event. Before Harvey, truckloads of food, water and tents were positioned outside of the flood zone, waiting for rains to subside so they could be sent to the recovery zone. Supplies from FEMA and the Department of Defense arrived within hours, not days, after the rains ended. FEMA’s pop-up hospital drew praise.

5 things that are the same

Despite the lessons learned, some things have not changed.

#1. Agency misfit

FEMA is still a part of the Department of Homeland Security – an agency that has other priorities. The department was focused on terrorism during Katrina, and now its chief policy priorities are immigration and borders.

#2. Still not the cavalry

Neighbors, city and county governments, and then the state are the first responders, not the federal government. Even at the federal level, FEMA primarily coordinates responses led by other agencies like defense, housing and agriculture. Meanwhile, businesses, nonprofits and even individuals with bass boats mounted their own response.

#3. Limited powers

Decisions about land use, zoning and development are made at the state and local level, not by FEMA. State and local emergency managers have very little pull over development, and changing the building stock to strengthen 100-year-old homes or make wise investments in new ones requires a larger effort.

#4. Inequality matters

Socioeconomic status and vulnerability still shape response. People with money are able to evacuate themselves, or return home and rebuild more quickly. People without financial resources, jobs or social connections face greater obstacles to returning to a normal life, and they need help.

#5. Timing matters

The best time to prepare for the next disaster is immediately after the current one. Now is the time to communicate true flood risks through flood mapping, strengthen building and zoning guidance, organize community planning efforts to know what to do when the worst happens, and build new infrastructure to send water out of vulnerable areas. FEMA can be a partner in these efforts, but it requires leadership from politicians and bureaucrats at all levels of government. Until then, people will settle in risky places without reducing their vulnerability to storms, making the next disaster even more likely than the last.

Patrick Roberts has received funding from the National Science Foundation, the National Oceanic and Atmospheric Administration, and the Woodrow Wilson Center.

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Podcast 30: Learning From Customer Conferences – With Tristan Jordan and Tara Pawlak of Community Brands

WELCOME TO EPISODE 30 OF THE TALENTED LEARNING SHOW

To learn more about this podcast series or to see the full collection of episodes visit The Talented Learning Show main page.

EPISODE 30 – TOPIC SUMMARY AND GUESTS:

Today I’m thrilled to welcome two executives from Community Brands – EVP and General Manager, Tristan Jordan, and Director of Marketing, Tara Pawlak.

Tara and Tristan are joining us fresh on the heels of their annual customer conference, Xperience. With more than 1800 attendees, this is the largest forum of its kind in the association and non-profit world.

What exactly makes this conference so successful? Why does learning play such a critical role? What insights emerged from this event? And what’s ahead for association technology? We cover it all…

KEY TAKEAWAYS:

For rapidly growing companies, strong customer communication is vital – not just to help users gain value from your products, but also to keep them onboard with your evolving roadmap.

Community conferences are a powerful way to build a brand – strengthening relationships while you celebrate customer successes and explore common challenges.

This year’s Xperience conference revealed that associations have reached a pivotal point in their commitment to innovation. They realize that member interests have changed and they’re ready to transform continuing education programs, accordingly.

Q&A HIGHLIGHTS:

JOHN: First, maybe we should introduce Community Brands. With mergers and acquisitions over the last few years, a lot of people may know you by other names…

TRISTAN: Sure. Community Brands is an umbrella organization with different complementary technology products that serve common audiences – associations, nonprofits, schools and faith-based organizations. Our portfolio currently includes 59 companies.

JOHN: Impressive. I had no idea your portfolio spans 59 brands!

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TRISTAN: Yeah. It’s a broad scope – more than we expect any individual customer to digest.

However, many associations and non-profits are served by lots of disparate technology vendors. Those vendors are often under-funded and under-resourced. And historically, their products don’t integrate well.

As a result, many customers spend a tremendous amount of time, money and other resources trying to build custom implementations between disparate solutions.

That’s a headache. Plus, it doesn’t capitalize on the promise of unified data, unified reporting and a seamless customer experience when moving between systems like an AMS and an LMS.

JOHN: True…

TRISTAN: Customers deserve better. So with all these different complementary technology products, we try to bring the best in each niche under our umbrella. The goal is to offer an ecosystem of products that work seamlessly together.

And because we make these products available in a way that’s smarter, more automated and more frictionless for end-users, it’s easier for customers to expand the services we provide to them, overall.

JOHN: Makes sense.

TRISTAN: So that’s why our annual customer event is so large. It brings together a great collection of minds from across that broad, diverse ecosystem.

JOHN: No wonder your conference is so popular. So after this week’s event, are you feeling exhilarated? Exhausted? Or both?

TARA: Coming off this big event, we’re energized by everything we learned from our customers and what they learned from each other. It’s especially valuable when people make connections and share their stories and ideas in the same forum.

JOHN: No doubt…

TARA: This year, we moved the event to November, so we’ve been anxious to see how that would play-out. But it’s actually great timing, because everyone’s getting ready for next year. Planning and budgeting are in full swing and January 1st will be here before we know it.

JOHN: Yep. And the cycle begins again…

TRISTAN: I have to say that the conference preparation process is really anxiety-ridden. But watching our colleagues talk about advances we’ve all been working on for months is energizing. And seeing customers talk about how their vision is coming together is hugely rewarding.

JOHN: I bet!

TRISTAN: You know, among technology vendors, there’s a cliche about serving customers as a true partner. I think every vendor aspires to that.

But having the opportunity to see long-standing customers talk about shared goals and progress we’ve made together through the years is really amazing. Especially in today’s digital world, when we communicate online with customers all the time, being able to sit side-by-side with them builds a whole different kind of chemistry.

JOHN: Yep. There’s nothing like good old face-to-face communication. What other benefits does the conference bring to you, your customers and the association community at-large?

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TARA: Because the conference spans all of our various brands, it brings together industry executives, IT professionals, marketing specialists, membership professionals, fundraisers and event planners.

This diverse mix of interests gives attendees exposure to a rich learning and networking opportunity they can’t find elsewhere. People from very different environments can talk through similar challenges and learn from one another.

Plus, by connecting directly with our team, they can be at the forefront of product innovation.

JOHN: That networking aspect is really important. Do you just let it happen naturally? What’s your strategy?

TARA: We really want to let people network in their own style. Some people prefer a happy-hour event. Others just prefer to have one-on-one interactions in a session breakout, or through natural conversations in the hallway.

JOHN: Do you use your products to facilitate social learning?

TARA: Absolutely, we leverage our technology to encourage interaction. One popular example is a kind of badge flair concept. A lot of attendees love to check-in online and identify the various products they use. This makes it easy to find others with similar interests, and it helps them strike-up organic conversations.

JOHN: Good idea…

TRISTAN: We also have an event app called TripBuilder that we use pretty extensively. It includes a social feed for event-specific content. People can search profiles, connect with other attendees and add them to their LinkedIn network. Or they invite others to meet-up at conference activities.

But just bringing like-minded people together in one room to discuss thought-provoking, relevant topics is very effective. We strive to make sessions interactive, not just lecture format.

Also, we make sure there’s ample break time between sessions, so the conversation can continue around the water cooler or coffee stop. That’s where I see some of the best networking. It’s a kind of “conversation after the conversation,” where people actually shake hands, trade business cards and things like that…

JOHN: Sure. And do attendees with common interests tend to share best practices about how they do X, Y, or Z in an application? Does that happen?

TRISTAN: Yeah, tons of that. The nonprofit/association space is full of people who are trying to do good or support a cause or further an industry. By definition, associations are niche. They rarely compete head-to-head for the same members. So our customers are super keen to share best practices.

They actually find a lot of value and comfort in talking with peers who are facing similar challenges – whether it’s about how to make the most of a particular product, or just the pressures they face from competing with other sources of information, like social networks.

JOHN: Cool…

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TRISTAN: Actually, one association’s issues are usually the same for others. As people talk about challenges and solutions, the dialogue takes on a life of its own.

When someone has a great idea, we see lots of people taking notes as we talk through it. That’s because so many of these topics are relevant to all.

JOHN: What are the most important insights you’re taking away from this year’s conference? Anything surprising or new?

TARA: This week, we released a new study focused on member engagement and loyalty. A key finding is that 93% of association members want personalized content.

In fact, members ranked personalized continuing education course recommendations as their number one need across all career stages – early, middle and late. Yet only 13% of associations are actually delivering it.

JOHN: Wow. Big gap there…

Our technology teams have been working hard to support personalized content, so this is a good opportunity for our customers to deliver what members want. And conference attendees told us that they’re actually ready to embrace new technology so they can meet members’ expectations.

So there’s no more resistance to change. In fact, associations are really eager to bring this to life for their members. This means that personalization and the idea of a “customer of one” are here to stay.

JOHN: Seems like it took a long time for this to happen. Why do you think associations are finally embracing personalization?

TARA: I think it’s a couple of things. Definitely competing forces are coming into play. Technology advances have created other places for members to go, like LinkedIn and Lynda. Also, associations are taking a closer look at their value, and they understand that it comes from knowing their members and offering what they want.

JOHN: Great news!

Another insight from the study focuses on why members join associations. In the past we found that many people joined out of obligation. They felt it was necessary to be part of an association in their industry.

But this year, we saw a shift toward the desire for networking and continuing education. A lot of associations are starting to recognize this shift, and they’re trying to pivot their value propositions based on things that interest and engage members now.

JOHN: Any additional insights about continuing education? How about content strategies like video or microlearning or gamification?

TRISTAN: Yes. During the conference, we hosted a client council meeting, where we discussed learning products. In one exercise we asked, “What’s your big bet? What do you believe will drive the biggest impact on your learning program in the next year?”

This prompted four important takeaways:

1) Many associations are becoming more comfortable with moving traditional classroom programs online. It sounds like an obvious move, but for some associations, these classroom-based learning programs are their biggest revenue drivers. And some have been around for decades. So change does not come naturally there.

2) Programs with a clear learning path are gaining traction. Associations like using technology to assess individual knowledge, sync it with information from other learners, assign a clear path forward and prompt learners throughout their journey.

In other words, let’s say the goal is to pass a high-stakes exam where failure could mean that members can’t practice their profession. Healthcare certifications are one example.

REPLAY THE WEBINAR NOW

It’s helpful to send learners periodic messages about their progress. Those little nudges seem to be a productive way to keep people engaged with their course of study.

3) Personalized exam prep is important, particularly for high-stakes exams. Time is precious for medical practitioners and other professionals. So study guides are moving from one-size-fits-all books to more personalized education programs with prescriptive learning based on an individual’s strengths and weaknesses.

With digital technology, study guides can focus effort where a learner’s competency is lacking, so exam prep becomes much more efficient. Busy professionals like surgeons will pay a premium for this. So it represents a big revenue opportunity.

4) Just-in-time learning. This shouldn’t be a surprise, but it really jumped off the page for us. The focus isn’t on just-in-time learning to earn a credential. Rather, it’s about driving competence.

Associations want to provide a searchable library of digital knowledge assets with really low access barriers. That’s because members want to be more competent, but they don’t want to dig through hour-long courses to find 10-minutes-worth of information that helps them solve an immediate problem.

JOHN: Exciting feedback! So how do you document all of the input you receive during two fast, furious days? Is it formal or informal?

TRISTAN: Great question. It’s both formal and informal. Of course, we rely on formal surveys tied to the sessions. But this year, we also used some super cool new technologies.

For example, our employees all use our Expo Logic product. This includes a little scanner on their mobile phone, so they can point it at someone’s badge and take notes about conversations with that person. It’s a great way to capture input and ideas that happen informally over lunch or whatever.

JOHN: Nice…

TRISTAN: We also use another innovative product called PropFuel. It’s a cool “voice of the member” platform that basically lets attendees participate in micro surveys. So rather than sending out a traditional 20-question survey that people might ignore, we’ll send just one question prior to the event.

We’ll ask something like, “What’s your primary reason for attending?” They can answer in a free-form narrative. Then we use technology to analyze responses, so we can see the most common reasons, overall.

With a traditional pre-event survey, you’d never get a high response. But with this micro survey – the response rate was 51%.

JOHN: Excellent!

This kind of tool is helpful after the conference, too. For example, in the next few days, attendees will receive a follow-up question from us. Something like, “Would you recommend Xperience to a peer?” They can answer yes or no, and explain why if they wish.

So this micro survey concept of questions and answers is a great way to capture feedback over time in a frictionless, conversational way. Next month, we’ll ask, “Have you put into practice anything you learned at Xperience?” It’s an easy way to keep in touch, while gathering intelligence along the way.

JOHN: Anything else you would add, Tara?

TARA: As Tristan said, we “eat our own dog food” in that we use our technology to scan and capture information before, during and after the conference. And we consolidate that data in segments, so we can analyze it and share it effectively with everyone on our teams.

This is really important because each of us has only a limited impression of what happened at the conference. We’re all in different sessions throughout the event. So it’s super important to consolidate, interpret and share this information from a bigger-picture view.

JOHN: Fantastic. It’s one thing to host a massive forum where many different attendees can learn collaboratively. But the fact that you gather intelligence, analyze it and learn from everything that happens really takes it to a different level.

TARA: Thanks, John!

JOHN: So, imagine you’re talking with someone who wants to plan a similar conference, but they’re just starting out. What advice would you share…?

…FOR COMPLETE ANSWERS TO THIS QUESTION AND MORE, LISTEN TO THE FULL 30-MINUTE PODCAST!

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