Podcasts about aig

Annamarie Omanga - The Magnolia School: An Independent K-8 School for Girls. This is episode 803 of Teaching Learning Leading K12, an audio podcast. Originally from Chicago, Annamarie Omanga has a Bachelor of Science Degree in Education. She began her career in the middle school classroom and then spent six years directing a supplemental education program for inner city youth in Chicago. Annamarie then took her teaching skills to the business arena where she started in training and development and then enjoyed a career in Human Resources with Cap Gemini America and AIG. Throughout her career, Annamarie has presented a variety of seminars and given talks on a wide range of topics, including education, the formation of virtues, and marriage enrichment. Annamarie is thrilled and humbled to be the first Head of School at Magnolia School. The Magnolia School is an independent K-8 school for girls located in Houston, Texas. The school has reimagined the core curriculum. The students are introduced to Latin and focus on developing logic and leadership skills. The school also deemphasizes technology and introduces hands-on activities as well as "outdoor time". To assist the students with success and resiliency the school has cross-grade mentoring.  So much to learn and think about! Awesome conversation! Thanks for listening! Thanks for sharing! Before you go... You could help support this podcast by Buying Me A Coffee. Not really buying me something to drink but clicking on the link on my home page at https://stevenmiletto.com for Buy Me a Coffee or by going to this link Buy Me a Coffee. This would allow you to donate to help the show address the costs associated with producing the podcast from upgrading gear to the fees associated with producing the show. That would be cool. Thanks for thinking about it.  Hey, I've got another favor...could you share the podcast with one of your friends, colleagues, and family members? Hmmm? What do you think? Thank you! You are AWESOME! Connect & Learn More: https://magnoliaschool.org/ annamarie.omanga@magnoliaschool.org https://www.instagram.com/magnoliaschoolhouston/ https://www.facebook.com/magnoliaschoolhouston Length - 51:42

Episode Info Jim has over thirty years of experience in the insurance and insurtech industries, with a proven track record of success in leading and growing companies. In Jim's previous role as CEO of bolt Solutions Inc, he grew the company's revenue and oversaw the transformation of its business model, enabling the company to grow and scale quickly and efficiently. He has extensive experience creating unparalleled business success in the insurance and insurtech space, administering pragmatic and analytical decisions in high-pressure environments. His enthusiasm for embracing cutting-edge technologies and fostering a culture of innovation aligns perfectly with MISSON's transformative and forward-thinking core values. Episode Overview: In this engaging episode of The Future of Insurance, we sit down with Jim Dwane, CEO of Mission, recorded live at ITC Vegas 2025. Jim shares his insights on the evolving landscape of the insurance industry and how Mission is at the forefront of this transformation. Key Discussion Points: Jim Dwane's Background: Jim discusses his extensive career in the insurance industry, having spent two-thirds of it with major carriers like Travelers and AIG before venturing into the insuretech space in 2017. Mission's Role and Vision: Mission is described as a program administrator that builds de novo programs, focusing on finding exceptional underwriters and providing them with the opportunity to become entrepreneurs. The company acts as an incubator and accelerator for MGUs (Managing General Underwriters), emphasizing a technology-first approach. Strategic Advisory and Support: Mission provides strategic advisory services, helping underwriters manage aspects beyond underwriting, such as capital management, marketing, and compliance. The company supports its partners with administrative, operational, and technological infrastructure. Industry Trends and Future Outlook: Jim highlights the rapid growth of the program space within the insurance industry and the importance of speed and innovation. The discussion touches on the strategic use of technology to accelerate industry transformation. Mission's Partnerships: Mission collaborates with multiple capacity partners, including its parent company, Accelerant, to ensure a robust support system for its MGUs. Conclusion: Join us for this insightful conversation with Jim Dwane as we explore the future of insurance and how Mission is paving the way for innovation and growth in the industry. Whether you're an industry veteran or new to the field, this episode offers valuable perspectives on the dynamic changes shaping the insurance landscape.   This episode is brought to you by The Future of Insurance book series (future-of-insurance.com) from Bryan Falchuk. Follow the podcast at future-of-insurance.com/podcast for more details and other episodes. Music courtesy of Hyperbeat Music, available to stream or download on Spotify, Apple Music, and Amazon Music and more.

Join The MisFitNation as host Rich LaMonica welcomes US Army Veteran Lori McVicar-Peltan — MP pioneer, private investigator, actress, comedian, and the definition of grit. Lori's journey is unlike any other. She served in the first group of women to go coed at Fort McClellan in 1978, trained as the first female Military Police boxer, and served on the streets of Frankfurt. After the military, she became the first female to start her own PI firm in Buffalo, NY, earned top investigative honors at AIG, and now continues her mission as a grandmother of 11, actress in the film Lucy and the Lake Monster, presenter at the VETTYS, and graduate of a comedy writing program. In this episode, we dive into trailblazing military history, resilience, humor, survival, and the courage to keep reinventing yourself through every season of life.

On this episode of the Scouting For Growth podcast, Sabine VdL talks to Rob Schimek, Group CEO at bolttech, about how bolttech's connector model is redefining global insurance distribution, from telcos to auto makers and beyond. They also talk about why the future of protection will depend on trust, data and design more than policy documents and premiums, and what leadership really looks like when you are building at the intersection of revelation, innovation, and human impact.  KEY TAKEAWAYS If you have an hour to solve a problem you should spend 55 minutes on the problem and then 5 minutes on the solution. I've spent my career in the problem, the formation of bolttech is the attempt at the solution – it's the path that I've chosen to bring that solution to the marketplace. Our mission is to work out how to close a multi-billion-dollar protection gap that has existed for years, that's getting bigger? In order to do that we need to really understand the problem. We think there are 4 basic drivers for this multi-billion-dollar protection gap that and they're pretty irrefutable. We're trying to make a seamless connection between the buyers of protection products (insurers) and the distribution partners who have access to the customers so we can put those solutions into the hands of the customers. bolttech's here to try to provide tailored, affordable, accessible, and convenience insurance in the hands of the customer on a B2B2C basis, connecting big partners who have lots of customers to the insurance providers. Without the data there's a tendency to paint everything with one brush, like it's all the same. Data is accessible and available on a real-time basis today and it can be available with no intervention, straight from the vehicle telematics about the unique driver. BEST MOMENTS  ‘We really want to connect people with more ways to protect the things that they value, we want to close the global protection gap.'  ‘The more we make connections frictionless, the more the connection will happen and the more the protection gap will get closed.'‘ If the mission and the vision are super-well-known then nothing can distract you from solving that problem, regardless of what's going on in the marketplace around you.'‘ If a customer doesn't trust the use of AI in their interactions with you then AI won't be successful in that space because it won't be accepted in that space. Ultimately it comes back to do we do things the right way and give the customers a reason to trust us?' ABOUT THE GUEST Rob Schimek is Group Chief Executive Office at bolttech where he leads the team across its operations globally, overseeing its growth and partnership opportunities. With more than 30 years of experience in the financial services industry, Rob previously held senior leadership roles, including Managing Director & Group Chief Operating Officer for FWD Group, President and Chief Executive Officer of AIG's commercial insurance businesses worldwide, and Chief Executive Officer of the Americas for AIG. Prior to that, he served as President and Chief Executive Officer of EMEA for AIG, and was the Chief Financial Officer of AIG's global property and casualty insurance business. LinkedIn ABOUT THE HOST Sabine is a corporate strategist turned entrepreneur. She is the CEO and Managing Partner of Alchemy Crew a venture lab that accelerates the curation, validation, & commercialization of new tech business models. Sabine is renowned within the insurance sector for building some of the most renowned tech startup accelerators around the world working with over 30 corporate insurers, accelerated over 100 startup ventures. Sabine is the co-editor of the bestseller The INSURTECH Book, a top 50 Women in Tech, a FinTech and InsurTech Influencer, an investor & multi-award winner. Twitter LinkedIn Instagram Facebook  TikTok Email Website This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.co.uk/

Imagine being able to read the private emails sent between some of the most powerful people on the planet. This week, David Yelland and Simon Lewis do exactly that. The release of thousands of pages from the so-called Epstein files shows the ways in which the elite communicate with each other. The exchanges reveal what one New York Times columnist describes as the 'nomadic bat signals' the rich send the rich. Epstein's criminality and cruelty are already crystal clear - but the legacy of these emails tells us so much more about the times we're living in.On the extended edition on BBC Sounds, a scandal threatening the reputation of a very British institution. The former CEO of Lloyd's of London, John Neal, has had his multi-million pound job offer with AIG rescinded - over claims of a workplace affair. Did Lloyd's do enough to investigate the matter - and does the case undo all the positive PR Lloyd's has received for trying to reform behaviour within the company?Also, insert your own joke about weird handshakes. The Freemasons are making a fresh attempt to become more transparent. The 600 meeting halls of the Grand Lodge of Scotland are throwing open their doors to public guided tours. It's all part of an effort to be more 'inclusive' and 'engaging'. But what if secrecy is part of your selling point? If you lose the mystique, what have you got left?Producer: Duncan Middleton Editor: Sarah Teasdale Executive Producer: Eve Streeter Music by Eclectic Sounds A Raconteur Studios production for BBC Radio 4

In this week's episode of China Insider, Miles Yu goes solo. First, he examines Tesla's announcement that it will eliminate all China-sourced components from vehicles manufactured in the United States within the next two years. This marks a monumental shift in the company's supply chain and signals a broader decoupling of key US industries from longstanding Chinese chokeholds and security vulnerabilities. Second, Miles revisits the 2015 purchase of the US insurance firm Wright USA, which specializes in liability insurance for Central Intelligence Agency and Federal Bureau of Investigations personnel, by the Chinese conglomerate Fosun Group. He explains why the subsequent Committee on Foreign Investment in the US–mandated resale of the company back to Starr Companies, controlled by China's longtime friend Maurice “Hank” Greenberg and his AIG network, may be the more consequential part of the story. Last, Miles analyzes the China factor in the ongoing US–Venezuela standoff. He discusses how the Maduro regime has advanced Beijing's strategic interests of manufacturing global strategic distractions for the US by fueling instability and chaos across Latin America—the region long referred to as the United States' own “backyard.” China Insider is a weekly podcast project from Hudson Institute's China Center, hosted by China Center Director and Senior Fellow, Dr. Miles Yu, who provides weekly news that mainstream American outlets often miss, as well as in-depth commentary and analysis on the China challenge and the free world's future.

-Roblox CEO Dave Baszuki joined the Hard Fork podcast to discuss the gaming platform's new age verification feature — but he seemed to get frustrated at the number of questions focused on child safety. -A new feature seemingly revealed many right-wing “America First” accounts are actually based outside the United States. But the data seems questionable. -Major insurers including AIG, Great American, and WR Berkley are asking U.S. regulators for permission to exclude AI-related liabilities from corporate policies. One underwriter describes the AI models' outputs to the FT as "too much of a black box." Learn more about your ad choices. Visit podcastchoices.com/adchoices

Sam Bankman-Fried, FTX scandal, AI, AIG, the AI grift, utilitarianism, effective altruism (EA), nuclear power, renewables, anti-natalism, Extinctionism, longtermism, how AI relates to the grid, predictive modeling, the overlap between AI & crypto scams, Peter Thiel, the pathological fear of death among the elite, the search for immortality, $LIBER, $Trump, $LIBER scandal, Argentina, Javier Milei, Hayden Davis, LeBaron family, cults, LeBaron family ties to Trump, money launderingDavid's bookMusic by: Keith Allen Dennishttps://keithallendennis.bandcamp.com/ Hosted on Acast. See acast.com/privacy for more information.

Gayatri Kalyanaraman is in conversation with Rupam Tandon,  Financial Executive with 30 years of experience across banking, asset management, and insurance. She's also a certified Independent Director (IoD), ESG specialist, and startup mentor. She talks about her journey starting in a small town to traveling the globe and literally spreading her wings. Gayatri Kalyanaraman, Host for Software People Stories podcast and co-founder Sangatna Angels welcomes Rupam Tandon and sets the tone for an inspiring conversation about leadership, resilience, and governance. Highlights of the conversation are here01:00 – Early Career and Foundations in FinanceRupam shares her beginnings in Dubai's financial industry during the 1990s — a period of rapid banking expansion — and lessons on trust, relationships, and financial discipline.03:00 – London Years & the Global Financial Crisis She moves to London to work with asset managers and hedge funds, witnessing firsthand the subprime crisis and collapse of major institutions like Lehman Brothers and AIG.07:00 – Return to India & Setting Up Global Operations Rupam explains her decision to return to India for family reasons and how she helped transition a major bank's operations from Ireland to Bangalore — navigating SEC and FCA audits successfully.10:00 – The Shift to Insurance and Building Communities She discusses moving from investment banking to insurance, leading initiatives in Risk, ESG, and Cyber, and mentoring senior executives.13:00 – Reflections on Technology & Automation From manual processes to automation and bots — Rupam contrasts the early years of finance with today's data-driven governance and the rise of straight-through processing (STP).16:00 – Navigating Change and Cultural Adaptation Growing up in Lucknow and moving across continents, Rupam reflects on adapting to different work cultures, continuous learning, and seizing opportunities.20:00 – Decision-Making and Balancing Life & Work Rupam shares personal stories about taking career risks, balancing motherhood, and receiving mentorship and compassion from colleagues during turbulent times.24:00 – Continuous Learning & Board Readiness She outlines her professional upskilling journey — courses from ISB, IIM Bangalore, and IoD — and her belief in lifelong learning as a foundation for effective governance.27:00 – Second Innings: Purpose and Governance for the Future Rupam shares her vision for the next decade — mentoring startups, strengthening governance frameworks, and shaping ethical, transparent organizations. Memorable Quotes:“Success without ethics is incomplete.”“Governance isn't about control — it's about responsibility.”  “It's time for stewardship — to give back, guide, and help the next generation grow with integrity.”“Even the strongest institutions can collapse if governance, risk, and culture are not aligned.”https://www.linkedin.com/in/rupam-tandon/After nearly three decades of experience across industries and markets, She is now embarking on my second innings with a focus on startup governance and scaleups. Her journey has been a diverse one, spanning Global roles (in UAE & UK, India) in business strategy, branding, communications, and stakeholder engagement. She is passionate about helping companies build strong, sustainable foundations for growth. As an alumnus of Lucknow University and the Indian School of Business (ISB), where she specialized in Negotiation as part of an Executive Management Program, I've honed my ability to adapt and thrive in fast-moving, high-pressure environments.My Core Strengths:- Strategic Oversight: Managing boards/foundations and aligning teams with business goals- Business Model Innovation: Identifying opportunities at the intersection of strategy, branding, product development, and customer experience- Start up consulting , Fintech, Finance based business.- Reputation Building: Creating narratives that enhance corporate reputation and build trust- Communications Strategy: Developing integrated communication plans to engage stakeholders and drive impact- Mentorship & Coaching: Supporting founders, leaders, and teams to grow through personalized guidance and coaching- Crisis Communications: Navigating through challenges to protect and strengthen brand reputation- Networking & Ecosystem Building: Cultivating strategic partnerships and growing influential networks- CSR & Sustainability: Defining and driving impactful corporate social responsibility initiativesRupam Tandon is a certified board director and former investment banker with expertise in governance, risk, and sustainability. She advises startups and SMEs on ethical leadership and board resilience, teaches ESG and stakeholder strategy to executives, and mentors emerging leaders. She advocates for policy-led reforms in India's entrepreneurial governance landscape.

In this podcast episode, Dr. Jonathan H. Westover talks with Jennifer Carlson about the role of apprenticeships in preparing the future workforce. Jennifer Carlson serves as the CEO of Apprenti. Apprenti is a non-profit, apprenticeship intermediary and workforce consulting organization that delivers a secondary pipeline of tech talent to address U.S. domestic digital skills shortages. A former business leader with AIG, Progressive and adjunct professor at Seattle University, Jennifer also serves on the Tech Councils of North America (TECNA) foundation board, and as an Advisory Board Member - Apprenticeships for America. Check out all of the podcasts in the HCI Podcast Network!

Bull Markets, Investor Hubris, and the Hidden Risks of Annuities Are you feeling smarter about your investments after years of strong market returns? In this episode of The Financial Hour of The Tom Dupree Show, Tom Dupree and Mike Johnson explore a critical truth that even legendary investors like Benjamin Graham learned the hard way: bull markets can create dangerous overconfidence. For those thinking about retirement or already in retirement in Kentucky, this discussion reveals why understanding what you own—and maintaining investment humility—matters more than chasing the latest “simple solution.” Unlike mass-market advisory firms that promote one-size-fits-all products, Dupree Financial Group emphasizes personalized investment management and portfolio transparency. This episode examines the psychology of market success, the realities of annuity contracts, and why direct access to portfolio managers who show you exactly what you own provides than opaque insurance products. Key Takeaways: Investment Lessons from Market History Bull Markets Create False Confidence: Even Benjamin Graham, Warren Buffett’s mentor, nearly lost everything after early success made him believe he “had Wall Street by the tail”—a lesson for today’s investors experiencing strong returns Market Success Often Includes Luck: Quick wins can lead to psychological distortions, especially when you’ve “unknowingly broken the rules of the game but won anyway” The Dangers of Autopilot Investing: Index funds and passive strategies mean following a “prescribed path that lots of other people are going,” with little thought given to how portfolios are composed Annuities Are Complex Insurance Products: Despite being marketed as simple solutions, annuities involve counterparty risk, surrender penalties, and fine print that rarely delivers promised returns Portfolio Transparency Is Powerful: Understanding exactly what you own—seeing individual stocks and bonds rather than packaged products—provides genuine comfort during market volatility Fear-Based Investing Creates Poor Outcomes: Investment decisions driven solely by fear (whether fear of loss or fear of missing out) typically underperform thoughtful, process-driven strategies The Benjamin Graham Story: When Success Breeds Dangerous Confidence Mike Johnson shares a compelling historical example that resonates powerfully with today’s investment environment. Benjamin Graham—the father of value investing and Warren Buffett’s teacher—started his investment firm in the Roaring Twenties with $400,000. Within just three years, he turned that into $2.5 million. As Mike explains: “Because of the great success over that short period of time, he knew that he knew it all, had Wall Street by the tail. He was thinking about owning a large yacht, a villa in Newport, race horses. And he said, ‘I was too young to realize that I’d caught a bad case of hubris.'” The consequences? When Graham thought the worst of the 1930 market crash was over, he went all in—and even used leverage. The result nearly wiped him out personally, and his firm had to be bailed out by a partner. By 1932, his portfolio had lost over 50%, dropping from $2.5 million back to just $375,000. Tom Dupree emphasizes the universal lesson: “The market can humble you real quick. You always have to view past successes in the lens of ‘okay, you may have had a good run, a good success, and some of that could be luck.'” Why This Matters for Kentucky Retirement Planning Today For those thinking about retirement who have benefited from recent market strength, this story serves as a critical reminder. Mike notes: “In the environment we’ve been in for the last several years in the market, some people have made life-changing money. Some people have made good returns and they got to their goal quicker than they thought they would.” The question becomes: How do you respect the gift the market has given you? Through careful analysis with a local financial advisor who can provide personalized portfolio analysis rather than assuming past success will automatically continue. The Problem with “Autopilot” Investing: Index Funds and Groupthink Tom Dupree delivers a powerful critique of passive index investing that challenges conventional wisdom. When Mike mentions autopilot investing, Tom responds: “Autopilot isn’t ever autopilot. It’s a path that someone else has selected that you’re going on and you’re going on it because everybody else is.” He continues with a critical observation: “In the case of an index, it’s an arbitrarily picked index of, say, 500 stocks that meet a certain size criteria, certain management criteria. What you don’t understand frequently is that by going on autopilot, you’re actually being told what to do. You’re not just going with the flow—there’s almost no thought going into it. There’s no real investing.” Mike adds: “That’s the definition of mediocrity. Even if the return is good and everybody’s getting a good return because the market’s doing well, it’s still mediocrity because you’re not spending any time thinking about what you’re doing or how you’re doing it.” The Windfall Effect: Why Unearned Money Often Gets Lost Mike shares another psychological insight relevant to both inheritance and market windfalls: “We’ve seen it when someone inherits a windfall unexpectedly. A lot of times you see bad decisions with that money. Not all the time, but a lot of times. They’ve never had that kind of money before. They didn’t earn it. How can you respect it that way? How can you fear it?” This applies directly to portfolios that have grown significantly without the owner fully understanding why or how. As Mike notes: “You don’t have the respect that also goes along with having made it. That’s why you see somebody that’s gradually built something over a long period of time—you don’t have that dopamine hit.” For Kentucky retirement planning, this suggests the importance of understanding your investment philosophy and how each holding contributes to your goals, rather than simply celebrating portfolio growth without comprehension. Annuities: The “Simple Solution” That Rarely Delivers The second half of the episode tackles annuities—insurance products increasingly marketed to those in or approaching retirement. Mike presents sobering statistics: “In 2025, more Americans than ever are going to be turning 65—about 4.2 million US citizens will be turning 65 this year.” He connects this demographic trend with research from Allianz: “64% of those surveyed were more worried about running out of money than death.” Tom responds: “That’s a really frightening comment on where a lot of people are.” This fear creates demand for products marketed as “easy solutions”—but the reality is far more complex. Types of Annuities and Their Real-World Performance Mike breaks down the main annuity categories: Index Annuities (Currently Most Popular): These promise you can earn up to a certain percentage annually without losing principal if markets decline. However, Mike explains the reality: “What you generally see is the rate of return on an index annuity averages pretty close to what the going CD rate is. That’s just the math of it.” The problem lies in the fine print. Mike offers a detailed example: “Let’s say it’s a one-year point-to-point, and they say over the year you can make up to 6%. If you take that on a monthly basis, that’s half a percent a month. If in January the market goes up 1%, they credit you half a percent. But then come December, the market goes down 7%. It’s still up for the year, but December wiped out your credit. Even though the market is up for the year, you’re credited with zero.” Immediate Annuities: The “purest form” where you give an insurance company principal in exchange for monthly income. Mike notes: “In those scenarios, you’re essentially getting your own money back for 15, 18 years, and then you start coming out ahead—not even taking into account time value of money.” Fixed Annuities: Similar to CDs inside a tax-deferred wrapper. The primary risk? “The insurance company is able to use the money to earn a return, and in exchange for what they’re paying you. The risk that you’re agreeing to take on is inflation risk.” Variable Annuities: Once popular in the 1990s and early 2000s but less common now due to previous issues at major insurers. The Hidden Risks Nobody Tells You About Annuities Beyond the obvious issues like surrender penalties (typically 7 years, but Mike has seen contracts as long as 14 years), several critical risks receive little attention: Counterparty Risk: Who’s Really Backing Your Annuity? Tom explains: “You have the insurance company as the counterparty, and the insurance company is investing its own money in corporate bonds, and some of those are going into these AI data centers.” Mike expands on this: “Most people think when they have an annuity from an insurance company that it’s similar to something AAA because it’s insured. But what’s it insured by? It’s insured by securities that are backing it that could have trouble.” Tom recalls historical examples: “I’ve seen it happen before. AIG, Executive Life before that—lots of it during my career. Hartford got in trouble with writing variable annuities.” The Insurance Company Squeeze: When Spreads Get Tight Mike reveals a current market concern: “There’s huge demand for bonds, and at the same time, the hyperscalers financing data centers are looking for buyers. The marginal buyer, the largest buyer, has been insurance companies of the data center debt.” The consequence? “Spreads are the tightest they’ve been since the nineties. They’re being priced for perfection, priced almost like a Treasury. But we’re talking about bonds that are backed by a data center with a revenue stream that’s not yet to be determined.” Tom summarizes: “When the spreads aren’t attractive, they’ll go out on the risk spectrum and take more risks to try to get a little more spread there. It’s a vicious cycle.” The Commission Structure Nobody Mentions Tom notes: “We didn’t even talk about the commission part of the annuity structure—the fact that it’s a very, very heavily commission-structured product.” This contrasts sharply with Dupree Financial Group’s approach: “We are fee-based, and it takes all incentive to not—well, we’re fiduciaries also, so we must by law do what’s best for the client. That aligns our interest with the clients as well, which gives you a different product.” The Power of Portfolio Transparency: Seeing What You Actually Own Throughout the episode, Tom and Mike return to a core principle that distinguishes personalized investment management from packaged products. Tom explains: “Our style of investing is that when you get your statement, you are looking under the hood because it’s right there. You’re seeing what your money’s invested in. You’re not looking at an investment that’s invested your money in something else that you can’t see.” Mike emphasizes why this matters over time: “You gain an understanding and a comfort level that’s not just taking somebody’s word for it. You’re seeing it with your own eyes over a long period of time. You see the income, you see price movement. You see these different aspects, and really, it makes the thing come to life.” This transparency provides advantages that no annuity contract or index fund can match: You know exactly which companies you own shares in You understand why each holding is in your portfolio You can see income generation in real-time, not theoretical returns You develop genuine comfort during market volatility because you know what you own You avoid the “black box” problem of packaged products Tom adds: “We’ve always invested with people typically where we show them what is under the hood, what they own. It’s not a package product. It’s not an ETF, it’s not a mutual fund, it isn’t an annuity. It’s not some structured note. It’s bonds and stocks for the most part.” Learning from Mistakes: The Value of Experience Tom shares an honest perspective on how Dupree Financial Group has developed its approach: “There’s nothing like mistakes to help you with financial stuff. Mistakes are valuable if you can limit them to a certain amount to where it doesn’t knock you out of the box. But one of the best investing tools is making mistakes.” He continues: “We’ve learned a lot in our firm with companies that we invested in that were just mistakes. We didn’t think they were mistakes at the time, but over time, you know, it was. And what we began to learn is: Don’t go there again. Let’s not do that one again.” This experiential learning creates pattern recognition: “When you see something again, you see similarities and differences and you’re like, ‘Okay, that’s an opportunity.’ You just learn.” This accumulated wisdom—built over 47 years in Tom’s case—represents a significant advantage of working with experienced local financial advisors rather than being assigned an investment counselor at a large national firm who may lack this depth of historical perspective. The Critical Questions to Ask About Your Retirement Portfolio Mike provides a framework for evaluating your current situation: “You have to pause and view it in the context of you, specifically your situation. There’s always going to be people richer than you. There’s always going to be people that have more of something than you have, and you have to be careful of viewing your situation through their context.” He offers specific questions: “Do the numbers work for you at where they are?” “Do a critical analysis of what the investments are” “Is there an investment plan?” “Or is it—has it just been on autopilot and the autopilot’s taking you where you wanted to go?” “You need to reevaluate where things are today” Mike emphasizes the market context: “This market—people who have had assets invested in the stock market for the last several years—you’ve been given a gift. Generally speaking, a gift in terms of the returns. And you need to respect the gift.” How do you respect it? “By analyzing what it is that you have and thinking critically about how can this be used. Is it being utilized properly in terms of an investment mix, in terms of just an investment approach?” Fear vs. Process: Making Better Investment Decisions A recurring theme throughout the episode is the danger of emotion-driven investing. Mike warns: “You have to be very concerned about allowing your investment decision to be driven only by fear. Yes. And to the point we were making in the first half, having a process—an investment process, an investment plan—that is dynamic enough to change when things need to change.” He identifies two common fear patterns: Fear of Loss: “Think about what fear drives you to do generally. You can look at fear in a situation like an annuity where you leave potential earnings on the table out of fear.” Fear of Missing Out: “And then sometimes there’s fear of missing out in an up market and you can jump in when you shouldn’t.” Tom adds: “Fear is a good thing to have in relation to investing.” Mike clarifies: “Respect. I would call it respect. A respect that things can happen.” This balanced perspective—maintaining respect for market risks while following a thoughtful process—characterizes the approach at Dupree Financial Group. Review their market commentary archive to see how this philosophy has been applied across various market cycles. When Annuities Actually Make Sense (It’s Rare, But It Happens) Despite the episode’s critical examination of annuities, Tom shares an important caveat: “I have seen annuities where they actually make sense for the person. And in those instances, keep it.” He shares a specific example: “I had a client one time that did buy an annuity. It grew in value. He passed away and his wife received a significantly higher payout than what would have happened if we had just invested in investments because the market had gone down, but the value of the annuity had gone up.” Tom reflects on the outcome: “That was a case where I feel like that lady was blessed. I’ve seen it happen too where there have been clients that I feel like—and the only way I can put it is—it’s like God touched them in ways that I can’t explain. Just in ways that it’s just a blessing.” The key takeaway? “You need to have an unbiased analysis of the contract. What are the terms? Does it actually accomplish your goals?” If you currently own an annuity, Mike encourages: “You can give us a call and we can talk with you about the specifics of your contract.” Why “Simple Solutions” Rarely Work for Retirement Mike concludes with a fundamental truth about retirement investing: “Investing’s never just a simple one decision solution. It’s a process. It has to be because things change. Markets change, people’s lives change, and there has to be a process behind what you’re doing.” Tom reinforces the warning: “Whenever they tell you you don’t have to look under the hood with this investment, you better look under the hood.” This principle applies equally to: Index funds marketed as “set it and forget it” solutions Annuities sold as eliminating all market risk Any investment product that promises complexity has been eliminated Mass-market approaches that treat all investors identically For those thinking about retirement or already in retirement in Kentucky, the alternative is working with advisors who provide direct access to portfolio managers, show you exactly what you own, and maintain a process-driven approach that adapts to changing circumstances while remaining grounded in time-tested principles. Ready to See What’s Really Under the Hood of Your Portfolio? If you’re concerned that recent market success may have created blind spots in your retirement planning—or if you’re evaluating whether an annuity truly serves your interests—Dupree Financial Group offers complimentary portfolio reviews for Kentucky residents thinking about retirement or already in retirement. During your consultation, you’ll receive: Honest assessment of your current portfolio’s strengths and vulnerabilities Analysis of whether you’re taking appropriate risks given your life stage Evaluation of any annuity contracts you currently own (unbiased review of actual terms) Direct conversation with experienced portfolio managers who personally manage client assets Clear explanation of what you own and why—no black boxes or packaged products Discussion of how to respect and protect the gains the market has provided Don’t let bull market confidence create blind spots in your retirement plan. Schedule your complimentary portfolio review today. Call Dupree Financial Group at (859) 233-0400 or visit www.dupreefinancial.com to schedule directly from our homepage. Experience the difference that personalized investment management, portfolio transparency, and direct access to portfolio managers makes in your Kentucky retirement planning journey. Frequently Asked Questions About Bull Markets, Annuities, and Retirement Investing What does it mean that “bull markets make you feel smarter than you really are”? This phrase captures how extended periods of market gains can create false confidence in investment abilities. As the Benjamin Graham story illustrates, even legendary investors can mistake favorable market conditions for personal genius. For those in or approaching retirement in Kentucky, this means strong recent returns shouldn’t lead to overconfidence or excessive risk-taking. Working with a local financial advisor who provides objective perspective helps distinguish between skill and fortunate timing. Why did Benjamin Graham nearly lose everything despite being Warren Buffett’s teacher? After turning $400,000 into $2.5 million in just three years during the 1920s, Graham developed what he called “hubris”—thinking he “had Wall Street by the tail.” When he believed the 1930 crash was over, he went all in using leverage. The market continued falling, and his portfolio dropped back to just $375,000. The lesson: even brilliant investors can be humbled by markets when success breeds overconfidence. His partner had to bail out the firm, and Graham didn’t take a salary for years while making clients whole. What’s wrong with index fund investing for retirement? While index funds work for some investors, Tom Dupree notes they represent “a path that someone else has selected that you’re going on because everybody else is.” There’s “no real investing” happening—just following an arbitrary selection of stocks based on size criteria. Mike Johnson adds this is “the definition of mediocrity” because “you’re not spending any time thinking about what you’re doing.” For Kentucky retirement planning, personalized investment management provides understanding of actual holdings rather than passive acceptance of whatever an index contains. How do index annuities actually work, and why do they underperform? Index annuities promise upside participation (often “up to 6% annually”) with downside protection. However, the mechanics rarely deliver. In a typical point-to-point structure, if the market gains 1% monthly for 11 months (crediting you 0.5% monthly due to caps), you’d have 5.5% credited. But if December sees a 7% decline, your entire credit gets wiped out even though the market is up for the year. The result: returns typically match CD rates despite the complex structure. The fine print and monthly/quarterly calculations favor the insurance company. What is counterparty risk with annuities? Counterparty risk refers to the possibility that the insurance company backing your annuity could face financial trouble. Insurance companies invest your principal in corporate bonds and other securities to earn returns higher than what they promise to pay you. Currently, many insurers are heavily invested in AI data center debt with unproven revenue streams. Historical examples like AIG, Executive Life, and Hartford show this isn’t theoretical—insurance companies can and do get into trouble, potentially affecting annuity values. Are there situations where annuities make sense? Yes, though they’re rare. Tom Dupree shares an example where a client’s widow received significantly more from an annuity than she would have from traditional investments because her husband passed away after the annuity grew but when markets had declined. However, these favorable outcomes are exceptions. The key is having an unbiased analysis of your specific contract terms and whether they truly accomplish your goals. If you own an annuity, Dupree Financial Group can review whether keeping it makes sense for your situation. What does it mean to “look under the hood” of your portfolio? Looking under the hood means seeing exactly what individual stocks and bonds you own rather than just seeing a packaged product name and account value. Tom Dupree explains: “When you get your statement, you are looking under the hood because it’s right there. You’re seeing what your money’s invested in, not what packaged product your money is in.” This transparency allows you to understand what companies you own, why you own them, and how they generate income—creating genuine comfort during market volatility. Why is “autopilot” investing dangerous for those approaching retirement? Autopilot investing—whether through target-date funds, robo-advisors, or simple index strategies—means following a prescribed path with little thought given to your specific situation. Tom notes you’re “actually being told what to do” rather than having a strategy tailored to your goals, timeline, and risk tolerance. As retirement nears, one-size-fits-all approaches can leave you overexposed to market declines or invested in ways that don’t generate needed income. Personalized investment management adapts to your changing life circumstances. What should I do if I’ve benefited from recent strong market returns? Mike Johnson advises: “You’ve been given a gift. Generally speaking, a gift in terms of the returns. And you need to respect the gift.” Respecting it means analyzing what you have, ensuring your investment mix still makes sense, and not assuming past success will automatically continue. Ask: “Do the numbers work for you at where they are?” and “Is there an investment plan, or has it just been on autopilot?” A complimentary portfolio review with Kentucky retirement planning specialists can provide this objective assessment. How do I know if fear is driving my investment decisions? Fear-driven investing shows up in two ways: fear of loss (leading to overly conservative choices like annuities that sacrifice potential growth) and fear of missing out (jumping into hot investments at precisely the wrong time). Both create poor outcomes. The alternative is what Tom calls “respect” for markets—acknowledging risks while following a thoughtful process. Mike emphasizes having “an investment plan that is dynamic enough to change when things need to change” rather than reacting emotionally to short-term events. What’s the difference between fee-based advisors and commission-based annuity sales? Annuities typically involve substantial commissions paid to the salesperson, creating incentives that may not align with your interests. Tom Dupree explains: “We are fee-based, and it takes all incentive to not—well, we’re fiduciaries also, so we must by law do what’s best for the client. That aligns our interest with the clients.” Fee-based structures mean advisors earn based on portfolio performance and client retention, not product sales. This fundamental difference affects which solutions get recommended. About The Financial Hour of The Tom Dupree Show The Financial Hour provides practical investment wisdom and retirement planning guidance for Kentucky residents approaching or living in retirement. Hosted by Tom Dupree, founder of Dupree Financial Group, with insights from portfolio manager Mike Johnson, each episode delivers actionable strategies based on decades of experience in personalized investment management and portfolio transparency. Listen to more episodes and read additional market commentary at www.dupreefinancial.com/podcast. The post Bull Markets, Investor Hubris, and the Hidden Risks of Annuities  appeared first on Dupree Financial.

El analista de Apta Negocios selecciona AIG, una estrategia en el índice dólar y Novo Nordisk

Episode Info Amy Antczak, COO of GreenieRE, brings nearly two decades of experience working in the legal and insurance industries to her role as Chief Operating Officer for GreenieRE. In her previous leadership positions at Energetic Capital, CNA, and AIG, Amy leveraged her law degree to manage complex financial lines claims, professional liability cases, and corporate litigation. Episode Background: Amy Antczak is the Co-Founder and COO of GreenieRe, a pioneering reinsurance company focused on supporting the renewable energy sector. Recorded live at ITC Vegas 2025, this conversation delves into the challenges and opportunities within the insurance industry as it adapts to the growing demand for renewable energy solutions. Key Discussion Points: Introduction to GreenieRe: Amy shares her journey from a legal background and extensive experience in the insurance industry to co-founding GreenieRe. GreenieRe's mission is to remove bottleneck risks that hinder the deployment of decarbonization infrastructure. Challenges in Renewable Energy Insurance: The episode explores the lack of capacity in the insurance market for renewable energy projects and how GreenieRe is addressing this gap. Amy discusses the importance of making renewable energy projects more bankable and financeable. Innovative Solutions: GreenieRe's approach to providing surety bonds for renewable energy projects and the launch of their own surety bond program. The role of reinsurance in supporting primary insurers and enabling them to cover renewable energy risks. Future Outlook: Amy emphasizes the potential of insurance as a force for good in combating climate change and the need for collaboration across the industry. The episode concludes with a call to action for the insurance industry to embrace innovative solutions and work together to support the transition to renewable energy. Conclusion: This episode provides a compelling look at how the insurance industry can play a pivotal role in the transition to renewable energy. Amy Antczak's insights highlight the importance of innovation and collaboration in overcoming the challenges faced by the sector. Whether you're an insurance professional or interested in the future of renewable energy, this episode offers valuable perspectives on the evolving landscape of insurance. This episode is brought to you by The Future of Insurance book series (future-of-insurance.com) from Bryan Falchuk. Follow the podcast at future-of-insurance.com/podcast for more details and other episodes. Music courtesy of Hyperbeat Music, available to stream or download on Spotify, Apple Music, and Amazon Music and more.

Deltebre ha iniciat una nova fase de les obres del Passeig del Carrilet. Es tracta d’un tram d’un quilòmetre que connecta la rotonda del Camp Nou amb el carrer Pescadors. L’assemblea del Consorci d’Aigües de Tarragona ha aprovat un pressupost per al 2026 de més de 50 milions d’euros, un 3% superior al de l’any anterior. L’AFA de l’escola Sant Àngel de Camarles ja ho té tot a punt per a una nova edició del seu tradicional Passatge del Terror.

A l'Al Dia Terres de l'Ebre d'avui dimecres, 29 d’octubre, primer aniversari de la tragèdia que va arrasar part de la província de València: - Obrim l'Informatiu amb el repàs a l'actualitat del dia, a través de les nostres emissores col·laboradores. - A l'Entrevista del Dia: amb Marc Brunet, president del Consorci d’Aigües de Tarragona, parlem de les últimes decisions del CAT, el pressupost per al 2026 i els reptes de la gestió de l’aigua en un context de canvi climàtic. - A de Poble en Poble: quinzè aniversari de l’Associació de Dones Emprenedores de les Terres de l’Ebre, ADEDE, des de ràdio Tortosa. - Identitats: Avelina Cabrera, ara jubilada, és història viva de l’Ampolla. Tota una vida dedicada als llibres i el paper darrere del taulell de la llibreria familiar. Un negoci que arrancava l'any 1967, i que ella va continuar. - Economia de butxaca: els autònoms.

On the Insurance Coffee House podcast, host Nick Hoadley welcomes Samuel Broomer, President of NormanMax Insurance Solutions, a rapidly growing MGA and Lloyd's syndicate pioneering climate-focused parametric insurance solutions.Speaking from Connecticut, Sam shares his career journey from reinsurance accounting at HSB Group to leadership roles at AIG, FM Global, and W.R. Berkley, before taking on his current role at NormanMax. With experience spanning finance, underwriting, innovation, and strategy, Sam offers a unique, end-to-end perspective on how insurance organisations can evolve to meet today's climate and technology challenges.He explains how NormanMax provides parametric protection against natural catastrophes such as hurricanes, earthquakes, floods, and severe storms, delivering certainty of payment, speed, and liquidity when policyholders need it most. Sam highlights the importance of third-party data or “oracle” verification for triggering payouts, eliminating lengthy loss-adjustment processes and building greater trust between insurers and customers.Sam also discusses why parametric insurance is becoming mainstream: a feature embedded within traditional policies that enhances the customer experience, helps close the protection gap, and restores confidence in the insurance value chain. He shares NormanMax's vision to make these products simple, accessible, and globally scalable through its Lloyd's Syndicate 3939 platform, serving clients from North America to the Caribbean, Europe, and Asia-Pacific.In the Espresso Round, Sam talks about building culture within what he calls a “multi-hundred-million-dollar startup,” offering insights on humility, curiosity, and the value of learning across disciplines. He also shares advice for insurance leaders on hiring with intention, building direct partnerships with talent, and staying open-minded to new perspectives in a rapidly changing market.Connect with Samuel Broomer on LinkedIn and learn more about NormanMax Insurance Solutions.The Insurance Coffee House Podcast is brought to you by Insurance Search.We are a global Insurance Executive Search Consultancy, supporting Insurance and Insurtech businesses to attract and retain the very best insurance talent.Find out more about showcasing your employer brand as a guest on the Insurance Coffee House Podcast or sign up to our News and Insights.Or follow us on LinkedIn, Twitter or Instagram.Insurance Executive Search Consultants in USA, London and Bermuda.Copyright Insurance Search 2025 - All Rights Reserved.

George Maddaloni is the EVP and CTO for Operations at Mastercard, where he leads the performance and modernization of technology platforms serving more than 35,000 employees worldwide. He has previously held senior IT leadership roles at AIG, UBS, AT&T, GM, and Merrill Lynch, and currently serves on the board of SustainableIT.org. George earned his BS in Mechanical Engineering and Computer Science from Johns Hopkins University and an MBA from Fordham University.In this conversation, we discuss:How Mastercard's CTO thinks about the balance between innovation, trust, and regulation in one of the world's most complex financial networks.The strategy behind modernizing Mastercard's internal technology platforms to empower 35,000 global employees.Why a decade of AI experience changed how Mastercard approaches fraud, data, and customer confidence.The cultural shift that turned curiosity about AI into measurable progress across a global workforce.How a 50-year-old payments company keeps competing with startups by rethinking infrastructure from the ground up.George Maddaloni's vision of the next era of payments and how technology might make transactions faster, safer, and nearly invisible.Resources:Subscribe to the AI & The Future of Work NewsletterConnect with George on LinkedInAI fun fact articleOn How To Create an Energy-Based Work System that Empowers EmployeesOther resources mentioned in this conversation: On decentralized AI in Banks and the Future of Finance with Paolo Ardoino, Tether CEO 

In der heutigen Folge sprechen die Finanzjournalisten Daniel Eckert und Lea Oetjen über den Downtober an den Kryptomärkten, enttäuschende Zahlen bei Merck KGaA und satte Gewinne für TSMC. Außerdem geht es um Bitcoin, Sartorius Vz., Carl Zeiss Meditec, FlatexDegiro, Nestlé, Travelers, Marsh & McLennan, Prudential, MetLife, AIG, Intesa Sanpaolo, Unicredit, Vossloh, Amundi FTSE MIB ETF ausschüttend (WKN: A0BLNG), iShares FTSE MIB thesaurierend (WKN: A0YEDP), iShares Core S&P 500 (WKN: A0YEDG), Stoxx Europe 600 ETF (WKN: 263530) und Xtrackers CSI 300 Swap (WKN: DBX0M2). Wir freuen uns über Feedback an aaa@welt.de. Noch mehr "Alles auf Aktien" findet Ihr bei WELTplus und Apple Podcasts – inklusive aller Artikel der Hosts und AAA-Newsletter. Hier bei WELT: https://www.welt.de/podcasts/alles-auf-aktien/plus247399208/Boersen-Podcast-AAA-Bonus-Folgen-Jede-Woche-noch-mehr-Antworten-auf-Eure-Boersen-Fragen.html. Der Börsen-Podcast Disclaimer: Die im Podcast besprochenen Aktien und Fonds stellen keine spezifischen Kauf- oder Anlage-Empfehlungen dar. Die Moderatoren und der Verlag haften nicht für etwaige Verluste, die aufgrund der Umsetzung der Gedanken oder Ideen entstehen. Hörtipps: Für alle, die noch mehr wissen wollen: Holger Zschäpitz können Sie jede Woche im Finanz- und Wirtschaftspodcast "Deffner&Zschäpitz" hören. +++ Werbung +++ Du möchtest mehr über unsere Werbepartner erfahren? Hier findest du alle Infos & Rabatte! https://linktr.ee/alles_auf_aktien Impressum: https://www.welt.de/services/article104636888/Impressum.html Datenschutz: https://www.welt.de/services/article157550705/Datenschutzerklaerung-WELT-DIGITAL.html

On today's episode I'm joined by Keffer Rhodes who has worked on Adventures in Golf since season 5. With Season 9 of AIG underway, I invited Keffer on the pod for an impromptu, ChatGPT generated Q&A about our trip to Ukraine. Check out this season of Adventures in Golf on the Skratch YouTube channel.Head over to marinelayer.com and use code RANDOM to get 15% off.Follow along!@erikanderslang@randomgolfclub@kefferrhodes

In this episode, I chat with Tom Luongo, a well-known macro expert and a returning five-timer on the show, about the power games behind markets and politics. If you want a hard-hitting map of the current geopolitical and cultural battlefield, this one's for you. ––– Support My Work ––– Paypal: https://www.paypal.biz/BitcoinMatrix Strike/Bitcoin: BitcoinMatrix@strike.me Cash App: https://cash.app/$BitcoinMatrix Venmo: https://venmo.com/u/bitcoinmatrix PO Box: The Bitcoin Matrix, P.O. Box 18056, Sarasota, FL 34231 ––– Offers & Discounts ––– MicroSeed is redefining seed phrase security. Check out https://microseed.io/shop/ and use code MATRIX at checkout. Theya is the world's simplest Bitcoin self-custody solution. Download Theya Now at theya.us/cedric Get up to $100 in Bitcoin on River at river.com/matrix The best Team Bitcoin merch is at HodlersOfficial.com. Use the code Matrix for a discount on your order. Become a sponsor of the show: https://thebitcoinmatrix.com/sponsors/ ––– Get To Know Today's Guest ––– • Tom Luongo on X: https://x.com/TFL1728 ––– Socials ––– • Check out our new website at https://TheBitcoinMatrix.Com • Follow Cedric Youngelman on X: https://x.com/cedyoungelman • Follow The Bitcoin Matrix Podcast on X: https://x.com/_bitcoinmatrix • Follow Cedric Youngelman on Nostr: npub12tq9jxmt707gd5vnce3tqllpm67ktr0mqskcvy58qqa4d074pz9s4ukdcs ––– Chapters ––– 00:00 - Intro 03:10 - The “three strata” of power and the unseen high table 10:02 - War frame, funding flows, and Trump's multi-front strategy 24:56 - Is this a perpetual war? Systems vs. psychopaths  28:05 - Money is changing  33:35 - OMB cuts and the 60-day clock on federal firings 43:10 - Article II power, Chevron deference fallout, and dollar “plumbing”  45:04 - Gold & silver drains; Bitcoin as U.S. collateral asset  54:04 - Property taxes as “serfdom” and the DeSantis debate  56:05 - Why Fannie & Freddie matter; the 30-year mortgage explained   1:04:24 - 2008 redo: conservatorship, AIG, and Dodd-Frank hurdles  1:23:25 - Final rallying cry I want to take a moment to express my heartfelt gratitude to all of you for tuning in, supporting the show, and contributing. Thank you for listening! The information in all The Bitcoin Matrix Podcast episodes and content is based on hypothetical assumptions and is intended for illustrative purposes only. PAST PERFORMANCE DOES NOT GUARANTEE FUTURE RESULTS. This video is provided for entertainment purposes only. The information contained herein represents temporary, changing views and subjective impressions and opinions regarding the inherently uncertain and unpredictable issues discussed. The reader, user, and/or viewer must not assume that these contents are accurate, complete, timely, or up to date. Market conditions change rapidly and unpredictably. Nothing herein should be interpreted as any kind of offer, solicitation, commitment, promise, warranty, or guarantee whatsoever relating to any of the contents of these videos. DISCLAIMER: INFORMATION PROVIDED BY THE BITCOIN MATRIX PODCAST IS PROVIDED “AS IS” WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND FREEDOM FROM INFRINGEMENT. The viewer of this video assumes the entire risk of any acting on any information contained herein. No representation is made that any regulatory authority has passed on the merits, adequacy or accuracy of this information. The viewer assumes all liability.

US equity futures are firmer. Asian equities ended mostly lower, and European markets opened mostly higher. Market attention remains centered on the AI sector, with growing debate over stretched valuations, circular investment flows, and limited productivity gains raising bubble concerns. In Washington, the government shutdown continues with little progress, as discussions shift to potential broader disruptions and delayed data releases. On the geopolitical front, Israel and Hamas have agreed to a ceasefire and the return of remaining hostages, while investors continue to monitor its potential impact on regional stability and energy markets.Companies Mentioned: NVIDIA, Coinbase, Mastercard, AIG, Allianz, Coface

fWotD Episode 3076: 70 Pine Street Welcome to featured Wiki of the Day, your daily dose of knowledge from Wikipedia's finest articles.The featured article for Monday, 6 October 2025, is 70 Pine Street.70 Pine Street (formerly known as the 60 Wall Tower, Cities Service Building, and American International Building) is a 67-story, 952-foot (290 m) residential skyscraper in the Financial District of Lower Manhattan, New York City, New York, U. S. Designed by the architectural firm of Clinton & Russell, Holton & George in the Art Deco style, 70 Pine Street was constructed between 1930 and 1932 as an office building. The structure was originally named for the energy conglomerate Cities Service Company (later Citgo), its first tenant. Upon its completion, it was Lower Manhattan's tallest building and the world's third-tallest building.The building occupies a trapezoidal lot on Pearl Street between Pine and Cedar Streets. It features a brick, limestone, and gneiss facade with numerous setbacks. The building contains an extensive program of ornamentation, including depictions of the Cities Service Company's triangular logo and solar motifs. The interior has an Art Deco lobby and escalators at the lower stories, as well as double-deck elevators linking the floors. A three-story penthouse, intended for Cities Service's founder, Henry Latham Doherty, was instead used as a public observatory.Construction was funded through a public offering of stock, rather than a mortgage loan. Despite having been built during the Great Depression, the building was profitable enough to break even by 1936, and ninety percent of its space was occupied five years later. The American International Group (AIG) bought the building in 1976, and it was acquired by another firm in 2009 after AIG went bankrupt. The building and its first-floor interior were designated as official New York City landmarks in June 2011, and the structure was converted to residential use in 2016.This recording reflects the Wikipedia text as of 00:37 UTC on Monday, 6 October 2025.For the full current version of the article, see 70 Pine Street on Wikipedia.This podcast uses content from Wikipedia under the Creative Commons Attribution-ShareAlike License.Visit our archives at wikioftheday.com and subscribe to stay updated on new episodes.Follow us on Mastodon at @wikioftheday@masto.ai.Also check out Curmudgeon's Corner, a current events podcast.Until next time, I'm standard Ivy.

Nuacht Mhall. Príomhscéalta na seachtaine, léite go mall.*Inniu an seachtú lá is fiche de mhí Mheán Fómhair. Is mise Oisín Mac Conamhna.Dé hAoine i Londain, caitheadh amach an cás i gcoinne Liam Óg Ó hAnnaidh, ball den ghrúpa ceoil Kneecap. Cuireadh ina leith gur thug sé tacaíocht d'eagraíocht thoirmiscthe, nuair a tháinig físeán de cheolchoirm a rinne an grúpa i Londain i mí na Samhna 2024 chun aird na bpóilíní, tar éis dóibh a ndlúthpháirtíocht le muintir na Palaistíne a chur in iúl ag an bhféile Coachella sna Stáit Aontaithe i mí Aibreáin. Dúirt an Príomh-Bhreitheamh Paul Goldspring go raibh an cúiseamh neamhdhleathach, mar níor thug an tArd-Aighne agus an Stiúrthóir Ionchúiseamh Poiblí a gcead dó dul ar aghaidh laistigh de sé mhí, agus bhí an cead a thug siad lá thar am. Dúirt Ó hAnnaidh nach raibh an cás faoi sceimhlitheoireacht, acht faoi Gaza. Bhí Blinne Ní Ghrálaigh KC, abhcóide Chonradh na Gaeilge i Londain i gcás leacht cuimhneacháin Margaret Keane, ina fhoireann cosanta.D'fhoilsigh an Roinn Cultúir, Cumarsáide agus Spóirt anailís costais is tairbhe ar an mBunioncam do na hEalaíona, a shocraigh gur as gach euro a caitheadh, cruthaíodh €1.39 de thairbhí sóisialta agus eacnamaíochta. Thosaigh an scéim píolóta in 2022, agus ó shin tá 2000 ealaíontóirí ag fáil €325 inaghaidh an tseachtain, chun deis a thabhairt dóibh díriú isteach ar a n-obair chruthaitheach. Tá an scéim chun críochnú i mí Feabhra 2026, acht tá an rialtas ag obair ar cheann nua, a bheidh mar chuid de Bhuiséad 2026.Foilsíodh staidéar faoi bhlaosc de Homo longi, an speiceas de daoine ársa ar a thugtar na “Deiniseóbhaigh”, san irisleabhar “Science” an tseachtain seo. D'aimsíodh an blaosc in Yunxian sa tSín, agus de réir na hanailíse, tá sé thart ar mhilliún bliain d'aois. Tá an iontaise brúite go dona, acht bhí na heolaithe in ann é a scannáil, an dífhoirmiú a bhaint de go digiteach, agus priontáil thríthoiseach a dhéanamh de cheann ceartaithe, a chruthaíonn gur Deiniseóbhach a bhí i gceist. Tá an fhionnachtain tábhachtach, má tá sé dátaithe i gceart, mar tá an blaosc i bhfad níos sine ná gach iontaise eile de chuid na nDeiniseóbhach a aimsíodh cheana; agus léiríonn sé an fhéidearthacht go bhfuil ár speiceas fhéin, Homo sapiens, i bhfad níos sine ná a ceapadh cheana freisin. Agus tá oidhreacht na nDeiniseóbhach inár measc go fóill; mar atá cúpla faoin gcéad de DNA Néandartálach i ngach duine ar domhan seachas na hAfraicigh fho-Shaháracha, tá cúpla faoin gcéad de DNA Deiniseóbhach fós i ndaoine éagsúla in oirdheisceart na hÁise agus ar oileáin an Aigéin Chiúin.*Léirithe ag Conradh na Gaeilge i Londain. Tá an script ar fáil i d'aip phodchraolta.*GLUAISeagraíocht thoirmiscthe - proscribed organisationPríomh-Bhreitheamh - Chief JusticeArd-Aighne - Attorney-GeneralStiúrthóir Ionchúiseamh Poiblí - Director of Public Prosecutionsanailís costais is tairbhe - cost-benefit analysisBunioncam do na hEalaíona - Basic Income for the Artsblaosc - skullDeiniseóbhach - DenisovanAfraicigh fho-Shaháracha - sub-Saharan Africans

Dr. Ja-Naé Duane is a creator, behavioral scientist, award-winning innovator, and 4x entrepreneur with over 20 years of experience guiding organizations, institutions, governments, and communities toward a new renaissance and a better future for humanity. For the past two decades, Ja-Naé has dedicated herself to one mission: make life better for one billion people. As an expert on global systems, she focuses on helping corporations, governments, and universities understand and develop systems of the future using emerging technology such as VR/AR, AI, and blockchain by guiding them forward, helping them get out of their own way to create exponential innovation and future forecasting. She has had the pleasure of working with companies such as PWC, Saudi Aramco, Yum Brands, Samsonite, Natixis, AIG, and Deloitte. A top-rated speaker and co-author of the best-selling The Startup Equation, Ja-Naé excels at helping both startups and multinational firms identify new business models and pathways on a global scale.  Over the years, her work has caught the attention of The Associated Press, NPR, The Boston Globe, and BusinessWeek. Ja-Naé holds degrees from Brown University, I.E. Business School, Northeastern University, Carnegie University, Bentley University, and Boston University. Ja-Naé is a member of the Loomis Council at the Stimson Center, collaborator with the National Institute of Health, and holds appointments at Brown University and MIT's Center for Information Systems Research. Her next book, SuperShifts, will be released in April 2025.Steve Fisher is a visionary futurist, innovation leader, and design strategist with over 30 years of experience driving transformational change. Passionate about reimagining business models, he leverages cutting-edge advancements—especially Generative AI—to empower organizations across industries to navigate complexity and seize future opportunities.  As a leader in foresight and innovation, Steve has consistently spearheaded high-impact initiatives at renowned organizations. At McKinsey & Company, he co-founded the Futures Practice, integrating strategic foresight and speculative design to help businesses anticipate and adapt to an uncertain future. At FTI Consulting, he led the adoption of Generative AI for business model transformation, pioneering new AI-driven solutions that delivered measurable impact across industries. Beyond corporate leadership, Steve is the Managing Partner of Revolution Factory, a global innovation firm that fosters cutting-edge solutions through AI, strategic foresight, and design thinking. He also serves as Chief Futurist at the Human Frontier Institute (HFI), where he explores emerging trends, conducts research on future-oriented challenges, and mentors leaders in strategic foresight. A prolific thought leader and author, Steve co-authored the best-selling The Startup Equation and is releasing his next book, SuperShifts in April 2025 and Designing the Future the following year—which delve into the future of business, technology, and human adaptation. He shares his insights through keynotes, industry publications, and his podcasts—the Think Forward Show and Off World Podcast—which explore the intersection of innovation, AI, and humanity's expansion beyond Earth. Committed to democratizing futures thinking, Steve believes that understanding human history and patterns of change are essential to building resilient, future-ready organizations. His expertise in Generative AI, strategic foresight, and design-led innovation enables him to help organizations anticipate challenges and seize opportunities with confidence.

Mary welcomes Ken Ham to the podcast to talk about 50 years of impact through Answers in Genesis. From the start of his life in Queensland, Australia, Ken was surrounded by parents and grandparents who modeled service and an uncompromising love for truth centered around God's Word. Sometimes our testimony is a series of divinely orchestrated events that get us on the same page with God, other times it's a pivotal moment. Either way, who can doubt that it's miraculous, and Ken's story truly is, from the beginning!  From science teacher to AiG, God has had His purposes and plans for one of the most enduring and effective apologetics ministries of modern times. We talk about his youth in Australia, the birth of AiG, coming to American shores, and the Creation Museum project. We learn of experiences both high and low in engaging the culture and standing firm for truth that has made the AiG worldview so eternally effective. The book is "Miraculous! The Ken Ham and Answers in Genesis Story", which can be found here.   Stand Up For The Truth Videos: https://rumble.com/user/CTRNOnline & https://www.youtube.com/channel/UCgQQSvKiMcglId7oGc5c46A

Mary welcomes Ken Ham to the podcast to talk about 50 years of impact through Answers in Genesis. From the start of his life in Queensland, Australia, Ken was surrounded by parents and grandparents who modeled service and an uncompromising love for truth centered around God's Word. Sometimes our testimony is a series of divinely orchestrated events that get us on the same page with God, other times it's a pivotal moment. Either way, who can doubt that it's miraculous, and Ken's story truly is, from the beginning!  From science teacher to AiG, God has had His purposes and plans for one of the most enduring and effective apologetics ministries of modern times. We talk about his youth in Australia, the birth of AiG, coming to American shores, and the Creation Museum project. We learn of experiences both high and low in engaging the culture and standing firm for truth that has made the AiG worldview so eternally effective. The book is "Miraculous! The Ken Ham and Answers in Genesis Story", which can be found here.   Stand Up For The Truth Videos: https://rumble.com/user/CTRNOnline & https://www.youtube.com/channel/UCgQQSvKiMcglId7oGc5c46A

【欢迎订阅】 每天早上5:30，准时更新。 【阅读原文】 标题：Digital resurrection: fascination and fear over the rise of the deathbot Harriet SherwoodOzzy Osbourne appeared as an AIg enerated image at a recent Rod Ste wart concert, prompting questions about how the ghoulish phenomeno n will affect grieving.正文：1.Rod Stewart had a few surprise guests at a recent concert in Charlotte, North Carolina. His friend Ozzy Osbourne, the lead singer of Black Sabbath who died last month, was apparently beamed in from some kind of rock heaven, where he was reunited with other departed stars including Michael Jackson, Tina Turner and Bob Marley.知识点：beam in /biːm ɪn/，v.(especially in science fiction) to transport someone or something from one place to another using a special device; to smile widely and warmly.（（尤指科幻作品中）用光束传送；笑容满面，热情微笑）• In the movie, the characters can beam in from their spaceship to the planet's surface in seconds.（在这部电影里，角色们能在几秒钟内从宇宙飞船光束传送到行星表面。）获取外刊的完整原文以及精讲笔记，请关注微信公众号「早安英文」，回复“外刊”即可。更多有意思的英语干货等着你！ 【节目介绍】 《早安英文-每日外刊精读》，带你精读最新外刊，了解国际最热事件：分析语法结构，拆解长难句，最接地气的翻译，还有重点词汇讲解。 所有选题均来自于《经济学人》《纽约时报》《华尔街日报》《华盛顿邮报》《大西洋月刊》《科学杂志》《国家地理》等国际一线外刊。 【适合谁听】 1、关注时事热点新闻，想要学习最新最潮流英文表达的英文学习者 2、任何想通过地道英文提高听、说、读、写能力的英文学习者 3、想快速掌握表达，有出国学习和旅游计划的英语爱好者 4、参加各类英语考试的应试者（如大学英语四六级、托福雅思、考研等） 【你将获得】 1、超过1000篇外刊精读课程，拓展丰富语言表达和文化背景 2、逐词、逐句精确讲解，系统掌握英语词汇、听力、阅读和语法 3、每期内附学习笔记，包含全文注释、长难句解析、疑难语法点等，帮助扫除阅读障碍。

La Turquie est un pays à majorité musulmane, mais compte de nombreuses églises et de nombreux endroits très symboliques pour le christianisme. À Istanbul, tous les premiers jours du mois, une église réputée pour ses miracles, accueille les locaux et les touristes de toutes les religions, qui font la queue pour pouvoir faire un vœu. Elle attire beaucoup de monde, peu importe les obéissances. De notre correspondante à Istanbul, Une file d'attente s'étire dans la rue à l'extérieur de l'église grecque orthodoxe. Tous les premiers du mois, Notre-Dame-de-Vefa ne désemplit pas : de nombreuses personnes viennent faire un vœu, symbolisé par une clef.  Aigül est kazakhe, de passage à Istanbul. À ses côtés, sa mère tient deux clefs dans ses mains : l'année dernière, elle avait fait deux vœux qui se sont réalisés, alors elle est venue ramener ces clefs comme l'indique la tradition. De son côté, Aigül est venue faire un souhait à son tour : « Je me suis renseignée sur cet endroit et beaucoup de gens pensent que leurs rêves se sont vraiment réalisés. Alors, moi aussi, je veux voir si c'est vrai. C'est intéressant et ma mère m'a dit que ses rêves se sont réalisés, c'est pourquoi elle a donné des bonbons. » Comme elle, certaines personnes remontent la file en offrant des sucreries, car leur vœu s'est réalisé. Ici les croyances se mélangent, en témoignent quelques chaussures laissées à l'entrée de l'église, comme à l'entrée d'une mosquée. Mine est turque et c'est une habituée : « Je suis musulmane. Mais je fréquente cette église depuis de nombreuses années. J'essaie surtout de ne pas manquer les premiers jours du mois. Cela m'apporte la paix. J'ai l'impression d'être guérie. Je prie. Je prie dans ma propre langue, selon ma propre religion. Je dis qu'Allah est unique. Je prends de l'eau des sources d'Ayazma. Je m'en sers pour me laver le visage le matin. » L'église, dédiée à la Vierge Marie, est construite sur une source d'eau considérée comme sacrée et réputée pour ses miracles. Notre-Dame-de-Vefa dépend du patriarcat œcuménique de Constantinople. Pour le père Hieronymos Sotirelis, en plus d'être un endroit religieux symbolique, c'est aussi un exemple du vivre-ensemble : « Cela permet à l'humanité de se rassembler, d'une manière magnifique qui fait abstraction de toute politique, idéologie personnelle et tout ce qui s'y rapporte. Nous sommes tous simplement des enfants de Dieu, debout ensemble, attendant sa grâce dans une petite cour d'église. La personne derrière moi est orthodoxe, celle devant moi est musulmane, celle après elle est arménienne… c'est un magnifique reflet de ce que l'humanité peut être. » Pour le père, l'église Vefa est à l'image d'Istanbul, un mélange historique de communautés et de religions. Mais les chrétiens représentent aujourd'hui moins de 1 % de la population turque, témoins du douloureux passé de la communauté. À lire aussiL'Église orthodoxe dans les relations internationales

Calvin Smith is the executive director for Answers in Genesis Canada, and is also a writer for Harbinger’s Daily. Answers in Genesis Canada: https://answersingenesis.org/ AiG on YouTube: https://www.youtube.com/@AnswersCanada Calvin’s Articles: https://harbingersdaily.com/author/calvin-smith/ www.worldviewmatters.tv © FreedomProject 2025

Dr. Nathaniel Jeanson with AIG, They Had NamesJoin Educate for Life Radio and Kevin Conover as he interviews Dr. Nathaniel Jeanson with Answers in Genesis about the indigenous people of around the world. Learn more about the history and culture of these early people groups and how they confirm the biblical record. This episode first aired 8/19/25

"Why do I want what I've been wanting? And is that still important?" - Tammy AlvarezAre you building your life around your career, or your career around your life - and does it matter more than ever right now? Tammy Alvarez, CEO of Career Winners Circle and author of Escaping The Career Trap, returns to explore navigating the unprecedented "poly-crisis" environment we're all facing. From AI disruption to tariff whiplash to massive job cuts, the old playbooks are failing. But here's the twist: chaos creates opportunity. Tammy shares her bold leap from Wall Street Managing Director to tropical entrepreneur, revealing why "collaboration is the new competition." She offers three practical steps to transform crisis into career advancement. Her powerful question resonates: "Why do I want what I've been wanting?" Perfect for anyone questioning their next move or feeling stuck in uncertainty.Tammy Alvarez is CEO of Career Winners Circle and author of Escaping The Career Trap: Transform Your Apathy into Ambition and Never Hate Mondays Again. As an award-winning entrepreneur and former Wall Street Managing Director, her "Break All the Rules" approach blends decades of C-Suite experience with pragmatic coaching. During her twenty-year corporate career, Tammy became renowned as a business transformation expert with roles at AIG, Bank of America, and Genesis10. She's creator of the Career Success Blueprint and delivers keynote speeches worldwide. Tammy and her partner Steve currently reside in Mexico City.About The Show: The Life in Transition, hosted by Art Blanchford focuses on making the most of the changes we're given every week. Art has been through hundreds of transitions in his life. Many have been difficult, but all have led to a depth and richness he could never have imagined. On the podcast Art explores how to create more love and joy in life, no matter what transitions we go through. Art is married to his lifelong partner, a proud father of three and a long-time adventurer and global business executive. He is the founder and leader of the Midlife Transition Mastery Community. Learn more about the MLTM Community here: www.lifeintransition.online.In This Episode: (00:00) Welcome Back Tammy Alvarez(02:05) The Poly-Crisis Environment We're Living In(08:09) Old Playbooks Don't Work: Mindset Shifts Needed(14:41) The Disrupted Unconference: Work We Imagine(22:29) Midlife Transition Mastery Ad(27:02) Finding What Energizes You: The Curiosity Step(35:27) Transition Mastery Coaching Ad(37:12) Three Steps to Navigate Crisis Into Opportunity(44:26) Closing: Taking Action and Moving ForwardLike, subscribe, and send us your comments and feedback.Resources:LinkedInYouTubeCWC WebsiteBook WebsiteFacebookInstagramEmail Art BlanchfordLife in Transition WebsiteLife in Transition on IGLife in Transition on FBJoin Our Community: https://www.lifeintransition.online/My new book PURPOSEFUL LIVING is out now. Order it now: https://www.amazon.com/PURPOSEFUL-LIVING-Wisdom-Coming-Complex/dp/1963913922Explore our website https://lifeintransitionpodcast.com/ for more in-depth information and resources, and to download the 8-step guide to mastering mid-life transitions.The views and opinions expressed on the Life In Transition podcast are solely those of the author and guests and should not be attributed to any other individual or entity. This podcast is an independent production of Life In Transition Podcast, and the podcast production is an original work of the author. All rights of ownership and reproduction are retained—copyright 2025.

Meet Venkata Ramana Reddy Bussu—a Senior Cloud Solutions Engineer & SAP Architect whose fingerprints are on some of the world's most complex enterprise transformations ☁️

In this episode, we sit down with Grace Kim, the latest major champion on the LPGA. Grace shares candid insights into the dramatic final moments of her win, the challenges of maintaining focus amidst the highs and lows of professional golf, and the invaluable support system that keeps her grounded. Join us for an inspiring conversation about resilience, the importance of mental strength, and the joy of celebrating success with loved ones. Don't miss this heartfelt journey into the life of a champion.

In this episode, the hosts dive into the unique challenges and strategies of playing on a links course at the final major of the year. Discover how the unpredictable weather, rugged terrain, and strategic shot-making can test even the most seasoned golfers. Emma, Hope and Adam share insights on who to watch out for and why the AIG Women's Open is such a special event. The draft a quick-9 at the end of the episode, each picking three players they think will shine at Royal Porthcawl in Wales.

In PART TWO of the Aesthetic Injector Gang podcast, Brandon Mullen and Hilary Becker continue on their banter and venture into topics that all aesthetics practice owners can appreciate: networking within the aesthetic community, advice for aspiring injectors, and the significance of compassion in the field. Hilary shares insights on the services offered at her practice and the dynamics of competition in the aesthetics industry. Brandon Mullen @the_aestheticconsultant @mpwraesthetics  Hilary Becker @np_hil_aesthetics  Moxie has analyzed millions of data points across 400+ medspas to build a proven, all-in-one marketing system—including high-converting ad campaigns (3×–8× ROI), event playbooks, scroll-stopping social content, and local SEO—with no agency fees so you control the ad spend and pace of growth; get your personalized plan and $500 off onboarding at www.joinmoxie.com/AIG.   Find us:  Apple

Join the conversation with C4 & Bryan Nehman.  C4 & Bryan started the show this morning discussing Hunter Biden & his profanity laced interview going off on literally everyone.  AIG calls out Kathy Klausmeier.  Colbert fires back at President Trump.  Baltimore County Police Chief Robert McCullough joined C4 & Bryan in the studio discussing all things crime related & more.  Listen to C4 & Bryan Nehman live weekdays from 5:30 to 10am on WBAL News Radio 1090, FM 101.5 & the WBAL Radio App.

In PART ONE of an enthralling episode of the Aesthetic Injector Gang podcast, Brandon Mullen virtually meets for the first time Hilary Becker, a nurse practitioner and owner of Alibi Aesthetics in Columbus, OH. They discuss Hillary's journey from nursing to aesthetics, the importance of training and upskilling, and the challenges of opening her own practice. Stay tuned for PART TWO because they couldn't stop gabbing!  Brandon Mullen @the_aestheticconsultant @mpwraesthetics  Hilary Becker @np_hil_aesthetics  According to AmSpa, nearly one in five medspas opened in the past year, so in a crowded market Moxie's all-in-one growth and operating system—trusted by over 400 practices to provide expert coaching and compliance, high-ROI marketing, purpose-built clinical and revenue software, and VIP savings up to 55%—gives you the clarity, support, and systems to launch stronger, scale faster, and run smarter, and AIG listeners get $500 off their launch fee at www.joinmoxie.com/AIG. Find us:  Apple

Shoot us a Text.Description: Episode #1096: We cover GM's shift away from EVs at Orion, the end of a 112-year family legacy at Ohio's oldest Ford dealership, and how new AI tools are challenging the finance industry's most iconic software.Show Notes with links:General Motors is officially reversing course at its Orion Assembly plant, which had been idled since late 2023 for a planned conversion to electric vehicle production. Instead, the automaker now says the factory will build gas-powered versions of the Escalade, Silverado, and Sierra starting in 2027.Originally, Orion was to build EV versions of the Silverado and Sierra, aligning with GM's electrification strategy.Production was delayed twice amid shifting consumer sentiment and cost considerations.The move is part of a broader $4 billion investment across three plants to increase output of gasoline-powered vehicles.GM cited “continued strong customer demand” for ICE models as the driver behind the pivot.“These moves will further strengthen our manufacturing footprint,” GM said, reaffirming its commitment to Michigan manufacturing.After 112 years under Chapman family stewardship, Ohio's oldest Ford dealership has been sold to Coughlin Automotive, marking the end of a storied chapter in Marysville.Originally opened by grocer George Butler Chapman in Plain City in 1913, Bob Chapman Ford was one of the first Ford dealers in Ohio, selling Model TsOver four generations, the Chapman family expanded: new facilities in 1918, 1935, and 1978, plus ventures into Firestone stores, Chryslers, RVs, even founding local airports The current 28,000-square-foot facility includes 24 service bays, a Quick Lane center and proudly displays an original Model T on its showroom floor as a nod to its century‑plus legacyJoe Chapman described the sale as “one of the most emotional and important decisions of my life,” praising Coughlin's deep respect for the dealership's legacy and community roots.New AI platforms like Claude and Perplexity are digging into the finance world, offering powerful features that could make Bloomberg's industry standard $25K-a-year terminal feel outdated.Claude now combines real-time market data with internal company info to answer complex questions instantly—no more juggling multiple systems.It can run simulations, build trading models, and handle huge documents without analysts hitting roadblocks.Major firms like Bridgewater, AIG, and Norway's sovereign wealth fund are already seeing big productivity boosts.Perplexity targets a broader market with tools starting at $0, offering fast research summaries, stock comparisons, and even crypto integrations through Coinbase.Join Paul J Daly and Kyle Mountsier every morning for the Automotive State of the Union podcast as they connect the dots across car dealerships, retail trends, emerging tech like AI, and cultural shifts—bringing clarity, speed, and people-first insight to automotive leaders navigating a rapidly changing industry.Get the Daily Push Back email at https://www.asotu.com/ JOIN the conversation on LinkedIn at: https://www.linkedin.com/company/asotu/

Georgia Hall won the AIG Women's Open at Royal Lytham & St Annes in 2018, just five years after triumphing in the R&A Women's Amateur Championship. Georgia's victory wasn't just special because it was her first major, but also because her dad Wayne caddied for her that week. A superb final round of five-under-par featured numerous highlights, and Georgia was the first British winner of the event since Catriona Matthew clinched the title at the same venue in 2009. Georgia, who began playing golf aged seven after her dad took her to a driving range near their Bournemouth home, doubled her LPGA win tally when she triumphed in the Cambio Portland Classic in 2020. The three-time European Solheim Cup player is a two-time Ladies European Tour order of merit winner, in 2017 and 2018. Georgia lost to Celine Boutier on the first extra hole of a play-off in the LPGA Drive On Championship in March 2023. Get involved and support the show directly at https://bit.ly/givetoHHSpodcast Find all episodes http://www.hearhersports.com/ Sign up for Hear Her Sports newsletter at https://bit.ly/HHSnewsletterFollow Georgia on Instagram at https://www.instagram.com/georgiahall23/?hl=en Find out more about AIG women's open at https://www.aigwomensopen.com/royal-porthcawl-2025 Learn more about your ad choices. Visit megaphone.fm/adchoices

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Listen to this podcast episode for a handy recap of our most read catastrophe bond, insurance-linked securities and alternative reinsurance capital news, from the week-ending June 22nd 2025. Listen to a recap of our most read catastrophe bond and insurance-linked securities (ILS) news of the last week. As we continue to experiment with artificial intelligence tools, we hope this summary provides an easy way to listen to a recap of some of last week's top stories. This week we covered the fact the cat bond market is nearing the annual issuance record already in 2025, AIG's expectations for meaningful fee income from its sidecar syndicate at Lloyd's, Vermont Mutual's largest cat bond yet, Everest lifting its target to $1 billion for its new cat bonds, investor sentiment for ILS and the fact ILS is increasingly an ESG diversifier, as well as much more.

This and all episodes at: https://aiandyou.net/ . How do you deal personally, and organizationally, with exponential change? That's the subject of a new book, Super Shifts: Transforming How We Live, Learn, And Work In The Age Of Intelligence, and both of its authors are here. Dr. Ja-Naé Duane is a behavioral scientist who has worked with companies such as PWC, Saudi Aramco, AIG, and Deloitte. She is a member of the Loomis Council at the Stimson Center, collaborator with the National Institute of Health, and holds appointments at Brown University and MIT's Center for Information Systems Research. Steve Fisher co-founded the Futures Practice at McKinsey & Company and is the Managing Partner of the consultancy Revolution Factory. At FTI Consulting, he led the adoption of Generative AI for business model transformation, and is Chief Futurist at the Human Frontier Institute. Together, they have previously authored the bestseller The Startup Equation. In the conclusion of the interview, we're going to talk about Asimov's Laws of Robotics, AI's future enhancements to our lives, the different new species of humans that will emerge, and how the educational system needs to evolve. Steve and Ja-Naé have extended a special offer to the listeners of this show, to get two chapters of their book free via this link. All this plus our usual look at today's AI headlines. Transcript and URLs referenced at HumanCusp Blog.        

Heather H. Wilson, Chief Executive Officer of CLARA Analytics, has more than a decade of executive experience in data, analytics, and artificial intelligence, including Global Head of Innovation and Advanced Technology at Kaiser Permanente and Chief Data Officer of AIG. While at AIG, she was named Insurance Woman of the Year by the Insurance Technology Association for her data innovation work. Wilson has been a steady supporter of diversity. She launched the Kaiser Permanente Women in Technology group, focused on mentorship and retention for women in math, technology, and science. At AIG, she launched Global Women in Technology and served as Executive Sponsor of Girls Who Code. In this episode of In the Know, Chris Hampshire and Heather explore the work she has done to empower women in coding and STEM, AI technology advancements, and strategies for addressing talent challenges in today's fast-evolving insurance industry.   Key Takeaways Heather's career unfolded in three chapters. The current state and application of analytics in today's insurance industry. A look into the future of large language model (LLM) technology. The application of agentic AI in the claims sector. Integrating new and legacy technology platforms. Heather's experiences as a female leader in the insurance industry. Industry disruption, talent recruitment, and navigating the silver tsunami. Data analysts and the insurance industry. A five-year look to changing agent and adjuster responsibilities. Heather's strategic risk advice to her early career self.   In the Know podcast theme music written and performed by James Jones, CPCU, and Kole Shuda of the band If-Then.   To learn more about the CPCU Society, its membership, and educational offerings, tools, and programs, please visit CPCUSociety.org.   Follow the CPCU Society on social media: X (Twitter): @CPCUSociety Facebook: @CPCUSociety LinkedIn: @The Institutes CPCU Society Instagram: @the_cpcu_society   Quotes “At the end of the day, there is an outcome that we're trying to drive for the claimant and for the insurer.” “AI is helping us take the surprises and get in front of them to handle cases differently.”  “Whether it's a risk or claims system, they really have the opportunity to lead the insurance industry on agentic AI.” “Data is still king, and so is the orchestration of that data.” “For super complex cases, people still need to have that human-in-the-loop touch.”

Peter Wilken is a branding expert with 30 years of experience working with some of the world's most prestigious brands, including Coca-Cola, BMW, Disney, FedEx, IBM, McDonald's, Shell, Sony, and Visa.A 'madman' advertising veteran, Peter ran top creative agencies such as BBDO, Leo Burnett, and Ogilvy. He co-founded The Brand Company in 2002, a Hong Kong-based firm whose clients included AIG, SmarTone-Vodafone, and Shangri-La Hotels.A global nomad, Peter has lived in England, Scotland, America, the Solomon Islands, Singapore, China, and the Philippines. He moved to Canada in 2007, where he founded his private consulting company, Dolphin Brand Strategy, and the online brand strategy coaching platform, The Lighthouse Brand Strategy Academy. Launched in late 2023, the academy is Peter's online course and mentoring program focused on democratizing effective brand strategy, making it accessible, affordable, and actionable to small business owners, solopreneurs, and brand strategists everywhere.Peter is the author of Dim Sum Strategy: Bite-Sized Tools to Build Stronger Brands, which includes more than 40 carefully curated, bite-sized creative and strategic thinking tools, as well as the free e-book, The 10 Commandments to Build a Strong Brand (and Steer Your Ship). He lives in West Vancouver, BC, with his wife Regina. They have three grown sons, two grandchildren, and a beagle.Connect with Peter here:https://www.linkedin.com/in/peterwilken/https://www.facebook.com/lighthousebrandstrategy/https://www.instagram.com/dolphinbrandman/https://www.peterwilken.com/Don't forget to register for my FREE LinkedIn 101 workshop on June 9th from 12 - 1:30 pm EST here:https://networkacademy.kartra.com/page/LinkedIn101

What does it take to thrive as a treasury leader in today's complex business environment? In this engaging panel discussion recorded LIVE at our recent event in Houston, we bring together three powerhouse treasury professionals - Brook Ballard, Jordan Timberlake, and Fred Schacknies - who pull back the curtain on their careers, leadership philosophies, and the real-world challenges they've faced. In this episode you'll hear how they transitioned from banking and early finance roles into strategic treasury leadership, how they drive performance in hybrid teams, and why visibility, collaboration, and a strong sense of purpose are key to long-term success. Whether you're building your career or managing a treasury function, this candid conversation delivers invaluable insights and practical takeaways straight from the top of the profession.Meet the Guests: Brook Ballard – Most recently the Treasurer of Oceaneering InternationalA veteran treasury leader with experience spanning Anadarko, Live Nation, AIG, Cheniere, and Oceaneering. Brook shares insights from building treasury functions across diverse industries.Jordan Timberlake – Vice President, Treasurer and Investment Operations at Memorial Hermann Health SystemFormer banker turned treasury executive, Jordan discusses her career growth, managing investments and debt, and fostering team development in a major U.S. health system.Fred Schacknies – Vice President & Treasurer at TechnipFMC With a global background in FX, operations, and systems, Fred explores how treasury leadership has shifted from numbers to people and process.Main topics discussed: Career journeys from banking and other industries into treasury leadershipBuilding, scaling, and motivating treasury teamsThe impact of hybrid work and how it shapes collaboration in treasuryThe importance of cross-functional relationships and “Treasury 101” educationStrategies to increase the visibility and impact of the treasury functionInternships and talent pipeline development in treasuryThe importance of identifying your “why” in your careerAdvice for junior professionals on preparing for leadership rolesCreating metrics-driven environments and aligning treasury with corporate goals---

Adolescence isn't your typical TV drama. It's raw, immersive, and filmed in a single unbroken shot, forcing you to stay with every moment, no matter how uncomfortable.In this episode, we're pulling lessons from that intensity with the help of our guest, Charlie Ungashick, CMO of Vimeo.Together, we explore what B2B marketers can learn from embracing creative risk, connecting across generations, and resisting the urge to over-polish. Because sometimes, the most powerful stories are the ones that feel the most human.About our guest, Charlie UngashickCharlie Ungashick joined Vimeo as CMO in 2024. He has over 20 years of experience leading marketing teams in tech companies. Before Vimeo, he was CMO and Head of Product at Applause, a leader in crowdsourced software testing. Charlie also advised Gem, a talent engagement platform, and held product, sales engineering, and IT roles at AIG, Novell, and SilverStream Software early in his career. He holds a bachelor's degree from Fordham University and a diploma in economics from the Université de Paris-Sorbonne.What B2B Companies Can Learn From Adolescence:Take risks that stretch you. In Adolescence, everything was a bet. A single-take format. A debut teenage actor. Emotionally loaded material. It had no business working—and yet it did. Charlie sees the same dynamic in great marketing. He explains, “Some of the best projects that we've all worked on are probably like that—they're risky and audacious.” In B2B, we often play it too safe. Big ideas get trimmed down before they even leave the doc. But safe rarely stands out. Sometimes, the smartest move is to back the idea that feels slightly unmakeable—and then go make it.Follow the signals across generations. Charlie and his daughters both watched Adolescence—but saw it through totally different lenses. That contrast sparked something powerful. Charlie says, “Adolescence was interesting because it had something for lots of different generations... it created that human element.” The best B2B content doesn't just target—it connects. Know where your audience is, how they consume, and what matters to them emotionally. Not every story has to hit everyone the same way. But the best ones open up space for conversation across the gap.Lead with authenticity, not polish. Adolescence wasn't glossy. It was real. That's what made it stick. Charlie challenges marketers to do the same: “We should all be comfortable in our B2B marketing by providing the same emotional authenticity that we find on TikTok and Netflix and Instagram.” B2B doesn't have to mean buttoned-up. Lo-fi can hit harder than high-budget. People buy from people, not buildings. The more human your marketing feels, the more likely it is to land.Quotes*“ Some of the things that I've been the most proud of are things that were super out of the box, almost unachievable when you sort of bring the idea to your team. Not all of them are achievable. Not all of them are inspiring, but some of the best ones happen. And so I typically love being visionary when it comes to doing big things that require big sort of game-changing execution. And when I looked at Adolescence, the combination of all the things that we talked about certainly has those elements.”*“ As a marketer, I always continuously look at demographics and psychographics and figure out how to elicit brain chemistry to ensure that people who I'm targeting are the ones that I want to connect with. I think the Adolescence was interesting because it had something for lots of different generations. And in fact, my daughters probably looked at it very differently than I did. And then when we compared notes in our conversations, it created that human element that we talked about earlier.”*“ B2B marketers, they don't buy from a b, they don't buy from a building, they buy from human beings. And I think our storytelling in our marketing can be much more authentic when we're thinking about the consumerization of the types of things that we do. So shorter form, more authentic, maybe even lo-fi. There's a time and a place for those kinds of things, and I think it can propel our results.”Time Stamps[00:55] Meet Charlie Ungashick, CMO at Vimeo[01:06] Why Adolescence?[03:19] The Role of CMO at Vimeo[06:20] AI and the Future of Video Creation at Vimeo[09:24] Origins of Adolescence[18:50] B2B Marketing Takeaways from Adolescence[47:36] Vimoe's Brand Strategy[49:59] Creating Authentic Content[53:13] Innovative Uses of AI in Video[54:20] Final Thoughts and TakeawaysLinksConnect with Charlie on LinkedInLearn more about VimeoAbout Remarkable!Remarkable! is created by the team at Caspian Studios, the premier B2B Podcast-as-a-Service company. Caspian creates both nonfiction and fiction series for B2B companies. If you want a fiction series check out our new offering - The Business Thriller - Hollywood style storytelling for B2B. Learn more at CaspianStudios.com. In today's episode, you heard from Ian Faison (CEO of Caspian Studios) and Meredith Gooderham (Head of Production). Remarkable was produced this week by Jess Avellino, mixed by Scott Goodrich, and our theme song is “Solomon” by FALAK. Create something remarkable. Rise above the noise.

DAMION1Kohl's CEO Fired for Funneling Business to Romantic Partner 10Kohl's boss Ashley Buchanan tried to funnel business to a romantic partner and lost his job. It wasn't the first time their personal and professional lives had crossed.Kohl's fired Buchanan on Thursday after it discovered he had instructed the retailer to enter into a “highly unusual” business deal involving a woman with whom he has a romantic relationship, according to people familiar with the situation. The pair currently live together in an upscale golf community in the suburbs of Dallas.Buchanan met the woman, Chandra Holt, when they were both working at Walmart several years ago, the people said. His divorce proceedings show the two had a romantic relationship while he was the CEO of Michaels. The arts-and-crafts chain also tried to hire Holt during his tenure.A Kohl's board investigation by outside lawyers found that Buchanan violated the company's code of conduct in two instances with a vendor with whom he had a personal relationship and whom it didn't name, according to a regulatory filing. The filing said he directed the retailer to conduct business with a vendor founded by this person “on highly unusual terms,” and he caused the company to enter into a multimillion-dollar consulting agreement, where that person was part of the consulting team.On Thursday, Kohl's appointed Chairman Michael Bender as its interim CEO. He becomes the fourth CEO in three years at the department-store chain, which has been struggling with slumping sales.Nominating Committee:John E. Schlifske* (2011; 6%)Michael J. Bender (2019; 18%)Robbin Mitchell (2021; 7%)Adrianne Shapira (2016; 6%)Even CEOs sometimes get the 'you're fired' treatment 11Great, nobody understands corporate governanceMeta exec apologizes to conservative activist Robby StarbuckJoel Kaplan, Meta's chief global affairs officer, has issued a public apology to conservative influencer Robby Starbuck after Starbuck filed a lawsuit alleging that Meta's artificial intelligence chatbot produced responses containing false and defamatory information about him. “Robby — I watched your video — this is unacceptable. This is clearly not how our AI should operate,” Kaplan wrote on X, which is one of Meta's competitors. He referred to a 20-minute video in which Starbuck laid out his claims, including that Meta's AI falsely associated him with the Jan. 6 Capitol riot and the QAnon conspiracy theory.“We're sorry for the results it shared about you and that the fix we put in place didn't address the underlying problem,” Kaplan continued. “I'm working now with our product team to understand how this happened and explore potential solutions.”Bob Monks, fierce champion of shareholders against what he saw as boardroom failings 0An American pioneer of investor activism and better corporate governance.Monks emerged as a doughty champion of shareholders against what he saw as increasingly self-serving and complacent boardroom behaviourIn 1985 he founded Institutional Shareholder Services, which advises funds that own shares in multiple companies how best to exercise their voting power. He also helped create Lens, an activist investment fund, and GMI Ratings, a scrutineer of corporate behaviour which claimed to have downgraded BP before the Deepwater Horizon disaster, the insurance giant AIG before the 2008 financial crisis and News Corp before the phone-hacking scandal.His most celebrated campaign, in 1991, was an attempt to become a director of the underperforming retail and financial conglomerate Sears Roebuck, for which he ran a full-page ad in the Wall Street Journal depicting the existing Sears board as “non-performing assets”. Though his candidacy was rejected, many of his proposals for rationalisation were adopted, and he was able to declare: “Sears has been changed.”This low-profile CEO is the highest-paid in America with a $101 million paycheck that beat out Starbucks, Microsoft, and Apple chiefs 10Jim Anderson, a low-profile executive of Pennsylvania-based Coherent, which produces equipment for networks and lasersHere's what the dopey reporting missed:An originally announced golden hello equity award of $48M that magically morphed into $91M come proxy time.48% NO on Say on PayToo large Pay Committee: 6 members, led by Shaker Sadasivam, who was NOT up reelection this year. Also includes Mike Dreyer (22% NO), former COO of Silicon Valley BankEuronext rebrands ESG in drive to help European defence firms 10In a statement renaming ESG - the acronym given to Environmental, Social and Governance-driven investing - as Energy, Security and Geostrategy, Euronext's CEO and Chairman Stephane Boujnah said it was responding to a "new geopolitical order"."European aerospace and defence companies have expressed the urgent need to invest heavily in their innovation and production capacities to guarantee Europe's strategic autonomy for the next decade," Euronext said in the statement.Among the measures, Euronext said it would revisit the methodologies for ESG indexes to limit the exclusions currently placed on defence companies.OpenAI, facing pressure, announces its nonprofit will stay in control after allOpenAI announced a smaller-scale change to its famously complex structure. Remember that it was founded as a nonprofit. But in 2019, it set up a for-profit subsidiary to start raising money from investors to finance its eye-wateringly expensive A.I. research. Then last year, the company moved to turn itself into a for-profit entity in which the nonprofit held a stake but didn't have control.Now, OpenAI plans to turn its for-profit subsidiary into a public benefit corporation, which would still be controlled by the nonprofit, though the size of its stake remains undetermined. (Got all that?) Sam Altman, its C.E.O., said yesterday that the revised plan still gives his start-up “a more understandable structure to do the things that a company like us has to do.”The AI Industry Has a Huge Problem: the Smarter Its AI Gets, the More It's HallucinatingZuckerberg Says in Response to Loneliness Epidemic, He Will Create Most of Your Friends Using Artificial IntelligenceIn an interview with podcaster Dwarkesh Patel this week, Zuckerberg asserted that more people should be connecting with chatbots on a social level — because, in a striking line of argumentation, they don't have enough real-life friends.When asked if AI chatbots can help fight the loneliness epidemic, the billionaire painted a dystopian vision of a future in which we spend more time talking to AIs than flesh-and-blood humans."There's the stat that I always think is crazy, the average American, I think, has fewer than three friends," Zuckerberg told Patel. "And the average person has demand for meaningfully more, I think it's like 15 friends or something, right?""The average person wants more connectivity, connection, than they have," he concluded, hinting at the possibility that the discrepancy could be filled with virtual friends.Tesla Is Extremely Upset About Reporting That Its Board Has Been Looking Into Replacing Elon MuskLeading Independent Proxy Advisory Firm ISS Recommends Harley-Davidson Shareholders Vote "FOR ALL" of Harley-Davidson's Highly Qualified Director Nominees 10Targeted DirectorsCEO/Chair Zeitz (2007, 30%): who has already stepped down as CEOLead Director Norman Thomas Linebarger (2008, 13%): who is not independentSara Levinson (1996, 20%): the longest-tenured director Matt: HARD HITTING ANALYSIS“[I]t appears that his time in the role has been more positive than negative, which makes it hard to argue that his vote on a successor is worthless.”"[T]here are compelling reasons to believe that as a group [the targeted directors] still have a perspective that can be valuable.”"[I]t appears that the board initiated the [CEO search] process promptly…”, Target CEO's pay slashed by a whopping 45% after his disastrous mishandling of DEI 5Patrick Kennedy of The Minnesota Star Tribune used Total Realized Pay: down from $18.1M last year mostly because of a reduction in vested stock, $5.6M down from $13.6M. Total summary is up: $19.2M to $20.4M. Pay ratio is up: 719:1 to 753:1Matt: What?MATT1Berkshire Hathaway: Board Unanimously Appoints Greg Abel as Firm's Next Chief Executive 1000Rate the goodness of the succession planning processTrump announced Alcatraz reopening just hours after ‘Escape from Alcatraz' aired on a South Florida PBS station 15Rate the goodness of funding PBS, which probably gave Trump the idea to reopen AlcatrazGoldman Sachs Removes Mentions of ‘Black' From Flagship Diversity Pledge 0‘Black in Business,' one program in the effort, is now about staying ‘in the black,' in reference to profits—not raceRate the goodness of Goldman Sachs finally returning to a focus on profit, not black peopleAnthropic CEO Admits We Have No Idea How AI Works"When a generative AI system does something, like summarize a financial document, we have no idea, at a specific or precise level, why it makes the choices it does — why it chooses certain words over others, or why it occasionally makes a mistake despite usually being accurate,"Meta exec apologizes to conservative activist Robby Starbuck -4,000,000“Robby — I watched your video — this is unacceptable. This is clearly not how our AI should operate.”

Ken Ham, founder of Answers in Genesis (AIG), joins Ray, E.Z., Mark, and Oscar to discuss the challenges Christian ministries face in an increasingly hostile world. Throughout his career, Ken has encountered opposition, yet he has seen God use these challenges to further the gospel. Protests outside The Ark Encounter are a regular occurrence, but instead of responding with anger, AIG staff members witness to protestors, demonstrating Christ's love. Ken shares that stepping out in faith, such as building The Ark, often seems insurmountable, but God makes a way. Ken's journey has been filled with trials, yet each step has reinforced his trust in God's provision. Historically, faith thrived in times of persecution. Ken explains that Christianity's influence in the West was once dominant, but secularism has eroded the foundation of biblical belief. Generation Z is increasingly distant from faith, though many in the church are awakening to the need for a stronger biblical foundation. A key point in the discussion is the importance of biblical authority. Ken explains that all reasoning is circular, but the Christian worldview is based on a virtuous circle, where the Bible provides a foundation for understanding reality. Without absolute truth, morality becomes subjective, forcing even non-believers to borrow from Christian principles when making moral claims.Ray reinforces the idea that opposition often fuels the spread of the gospel. The guys discuss how most non-Christians simply repeat arguments they have heard rather than forming well-reasoned objections. AIG equips believers with apologetics training, helping them defend their faith with clarity and confidence. Ken has written a devotional that merges apologetics with scripture, providing practical tools for engaging with a skeptical culture. Ken and the guys remind Christians that faith is not blind but responsible. Christians are called to step out in faith while using wisdom and discernment, trusting in God's sovereignty. Ken reminds believers that the ultimate solution to society's problems is the gospel.The discussion closes with a challenge to Christians to live fully for Christ. Athletes push themselves to their limits for temporary rewards, yet believers often hesitate to give their all for eternal purposes. Ken urges Christians to be all in, recognizing that every person they encounter is someone who will spend eternity either with or without Christ. With this urgency in mind, he encourages believers to go into the world with love, sharing the gospel fearlessly and pointing others to JesusSend us a textThanks for listening! If you've been helped by this podcast, we'd be grateful if you'd consider subscribing, sharing, and leaving us a comment and 5-star rating! Visit the Living Waters website to learn more and to access helpful resources!You can find helpful counseling resources at biblicalcounseling.com.Check out The Evidence Study Bible and the Basic Training Course.You can connect with us at podcast@livingwaters.com. We're thankful for your input!Learn more about the hosts of this podcast.Ray ComfortEmeal (“E.Z.”) ZwayneMark SpenceOscar Navarro

Ken Ham joins Ray, E.Z., Mark, and Oscar to discuss the growing opposition to Christianity and how challenges can strengthen faith and spread the gospel. He shares how AIG faces protests but uses them as opportunities to witness with love. Reflecting on building The Ark Encounter, he explains that stepping out in faith can be daunting, but God provides. The discussion highlights Christianity's declining influence in the West, particularly among Generation Z, yet history shows faith thrives in times of persecution. Ken stresses the importance of biblical authority, as morality collapses without absolute truth. AIG equips believers with apologetics training to defend their faith confidently. The guys remind Christians that faith is not blind but responsible, and the ultimate solution to society's problems is the gospel. Ken challenges believers to live fully for Christ, sharing the gospel boldly and recognizing the eternal significance of every soul.   Send us a textThanks for listening! If you've been helped by this podcast, we'd be grateful if you'd consider subscribing, sharing, and leaving us a comment and 5-star rating! Visit the Living Waters website to learn more and to access helpful resources!You can find helpful counseling resources at biblicalcounseling.com.Check out The Evidence Study Bible and the Basic Training Course.You can connect with us at podcast@livingwaters.com. We're thankful for your input!Learn more about the hosts of this podcast.Ray ComfortEmeal (“E.Z.”) ZwayneMark SpenceOscar Navarro