Podcasts about bestow

Innovation comes in many areas, and compliance professionals need to be ready for it and embrace it. Join Tom Fox, the Voice of Compliance, as he visits with top innovative minds, thinkers, and creators in the award-winning Innovation in Compliance podcast. This series is introduced by Tom Fox and hosted by Roxeanne Petraeus. Ethena sponsors this special five-part series on Innovation in Compliance. In this episode, Roxanne Petraeus explores the intersection of compliance, technology, and AI with Ben Sperry, Deputy Chief Compliance Officer at Bestow. Sperry is a tech-driven life insurance provider that shares its journey from political science and legislative analysis to its current compliance role. The discussion delves into Bestow's innovative approach to making life insurance accessible through technology and the challenges and strategies of implementing effective compliance training programs. Sperry highlights the importance of employee engagement and specific training tailored to different roles and departments. He also discusses the increasing significance of AI in the compliance landscape, both in terms of governance and practical application, and shares insights on using AI to enhance training effectiveness. The episode discusses the value of close vendor support and technical integration to streamline compliance processes. Key highlights: Bestow's Unique Approach to Life Insurance Challenges and Strategies in Compliance Training Leveraging AI in Compliance Future Trends and Final Thoughts Resources: Ben Sperry on LinkedIn Bestow on LinkedIn Bestow Website Ethena Website Roxanne Petraeus on LinkedIn Ethena on LinkedIn Tom Fox Instagram Facebook YouTube Twitter LinkedIn

When you make an entrance, wherever you go, do you brighten the room or darken the doorway? From May 4, 2025

Good morning! On this Spy Wednesday, Matt Swaim and Anna Mitchell look at the significance of this date in the sequence of the events of Holy Week. Guests include Dr. Benjamin Reinhard to discuss Holy Saturday imagery in the Lord of the Rings, and canon lawyer Fr. Philip-Michael Tangorra. Plus news, weather, sports, and more… ***** St. Thomas Aquinas prayer “Give us, O Lord, a steadfast heart,which no unworthy affection may dragdownwards; give us an unconqueredheart, which no tribulation can wearout; give us an upright heart, whichno unworthy purpose may temptaside. Bestow upon us also, O Lordour God, understanding to knowyou, diligence to seek you, wisdomto find you, and a faithfulness thatmay finally embrace you; throughJesus Christ our Lord.” ***** Dr. Benjamin Reinhard, author of The High Hallow: Tolkien’s Liturgical Imagination Cincinnati Right to Life is online at cincinnatirighttolife.org. Full list of guestsSee omnystudio.com/listener for privacy information.

Good morning! On today’s show Matt Swaim and Anna Mitchell remember the life and witness of Mother Angelica on the 9th anniversary of her passing. Guests include Rita Heikenfeld with more meatless recipe ideas for Lent, Dr. John Bergsma with thoughts on the Jubilee in the Bible, and Courtney Brown from Ruah Woods with reflections on the Theology of the Body. Plus news, weather, sports, and more…***** The Sign of the Cross in Hawaiian Ma ka Inoa o ka Makua, a o ke Keiki, a me ka ‘Uhane Hemolele. ***** Mother Angelica’s Prayer for EWTN May this first Catholic satellite television network be a tribute to the beauty of Your Church. May Your Son, the Eternal Word, be glorified through this great work of Your Hands. Bless all the programs that will issue forth from its facilities. Just as Your Word issues forth from You, Lord Father, may that same Word touch each heart that listens to this network. Let Your Spirit work with freedom through every teacher who proclaims Your Truth and Your Church. Bestow upon this network the power to inspire men to seek holiness of heart, zeal for the extension of Your Church, courage to seek after justice and human rights, and patience to endure persecution. May Your Paternal blessing always rest upon it. Amen. ***** A Baseball Prayer God grant me wisdom, to tell a strike from a ball, to know where to throw and never to fall. Keep me on the baseline, running straight and true and I’ll look for your sign, to stretch one into two. God give me vision, to see every pitch, and if a player needs help, then I will see which. Let me always hustle, so I’ll be at my best and take pride in myself, in sports, and the rest. God be my strength, when I throw the ball when I’m far from home plate or against a wall. So I never miss a base, God, please guide my feet, bring me home safely, so my job is complete. When I help younger players, let me always give praise, so they’ll see You in me, in all my ways. God please guide our coach, to be fair and smart, to teach us to be good, let it come from his heart. Let me take a loss, just as well as a win, to do any less is surely a sin. As long as I play, let me make my parents proud, as proud as I am, when they yell MY name out loud. However my games end, let me always have fun and if Heaven has All Stars, I want to be one. When my games here are over and my seasons are done, let me play on Your team, God, Just like your Son. ***** RECIPES FROM RITA: Chicken Tinga with Lime Crema and Blistered tortillas Ingredients:1 medium yellow or white onion, chopped – 1 good cup2 cloves garlic, minced, or more to taste1/3 cup chipotle peppers in adobo sauce (about 3 peppers)1 teaspoon dried oregano3/4 teaspoon ground cumin, or more to taste3/4 cup fire roasted tomatoes, crushed, or more to taste1/4 to 1/2 cup chicken brothSalt to tasteShredded cooked chicken – about 4 cups8 six inch tortillas, flour or corn Filling InstructionsFilm a skillet with olive oil over medium heat.Add onion and cook until fairly translucent.Stir in garlic and cook a minute or so.Stir in chipotles in adobo. Start with half of the amount, and then after cooking, add more if you like since these are pretty hot.Add oregano, cumin, tomatoes and broth. Start with 1/4 cup broth and add more at the end if mixture is too thick. Bring to a boil, then to a simmer and cook about 10 minutes, stirring occasionally.Pour mixture into blender. Careful now, mixture is hot and tends to spatter upwards. I place a paper towel on the top. Blend until smooth.Taste and add more chipotles in adobo if you like.Put blended sauce back into the pan, then stir in chicken and cook over low heat until chicken is hot and well coated, about 5 minutes or so.Add more broth if you like – I usually don’t since we like a thicker Tinga. Tortilla Instructions:Easy peasy: turn burner on stove to medium, then place tortilla on top, turning after a few seconds to blister it a bit. I used flour tortillas but you can use corn tortillas. Don’t linger while blistering the tortillas as they will get dry fairly quick. Lime crema:1 cup sour cream1 cup mayonnaiseChipotles in adobo, to taste (puree first)Lime juice to tasteSalt to tasteChopped parsley – optional Instructions:Just mix everything together. More garnishes:Chopped cabbage, guacamole or avocado, fresh cilantro, green or red onion or onion chives, crumbled Cotija cheese or Mexican blend cheese To serve:Top tortillas with chicken and garnish as desired. Serve with wedge of lime. ***** Brady Stiller, author of Your Life is a Story: GK Chesterton and the Paradox of Freedom Full list of guestsSee omnystudio.com/listener for privacy information.

Melbourne O'Banion is Bestow's CEO and co-founder, guiding the company's vision to modernize the life insurance industry. Melbourne is also a co-founder of BeautyBio and a founding member of Presidio Title, Texas's leading title insurance agency. He serves on the National Advisory Council for BYU's Marriott School of Management and Southern Methodist University's Tate Lecture Series board. Melbourne earned a degree in Finance and Ancient Near Eastern Studies from BYU and resides in Dallas, Texas, with his family. Highlights from the Show Founding Vision:   Bestow was founded with the goal of bringing modern technology to the life insurance sector, which has historically lagged behind other insurance types in terms of digitization. Market Evolution:   The rapid modernization of property and casualty insurance compared to life insurance, emphasizing the potential for growth in cross-selling and bundling products. Strategic Shifts:   The company initially focused on direct-to-consumer (DTC) sales but pivoted to enterprise solutions, recognizing a larger market opportunity in partnering with established carriers. Technology as an Enabler:   How technology is transforming the underwriting process, making it more efficient and allowing carriers to launch products faster. Role of Agents:   Contrary to fears of agents being replaced by technology, Melbourne believes that agents will continue to play a crucial role, especially as tools become more sophisticated and user-friendly. Future of Life Insurance:   The conversation touches on the future of life insurance, with a focus on specialization and the need for carriers to modernize their offerings to meet evolving consumer needs. Overall Takeaways Importance of Adaptation: Companies in the insurance space must adapt to technological advancements to remain competitive and meet customer expectations. Collaboration Over Competition: Partnering with technology providers can enhance a carrier's capabilities and streamline operations, rather than trying to build everything in-house. Consumer-Centric Approach: Understanding the consumer journey is vital for developing effective insurance products and services. Growth Potential: There is significant room for growth in the life insurance market, particularly through innovative digital solutions that simplify the purchasing process. Conclusion: This episode provides valuable insights into the intersection of technology and the insurance industry, highlighting how companies like Bestow are leading the charge in modernizing life insurance for a new generation of consumers. This episode is brought to you by The Future of Insurance thought leadership series, available globally from Amazon in print, Kindle and Audible audiobook. 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.

Daniel P. Aldrich was born in upstate New York and spent his childhood (and much of his adult life) traveling and living abroad. While living in Tokyo, Japan, he began to wonder how Japan - the only country to suffer the effects of atomic weaponry - could have built up such an advanced nuclear power program. He wrote up his observations in the book SITE FIGHTS published by Cornell University Press. In 2005 he and his family had their home, car, and all of their material possessions in New Orleans destroyed by Hurricane Katrina and began studying what makes communities and neighborhoods more resilient. He published BUILDING RESILIENCE to share these insights on the role of friends, neighbors, and social cohesion after crisis. After Japan was hit by the devastating triple disasters of an earthquake, tsunami, and nuclear meltdown, Aldrich wrote BLACK WAVE about the factors that helped people and communities bounce back. Highlights from the Show Understanding Resilience: Daniel Aldrich discusses the concept of resilience, particularly in the context of community recovery after disasters. He emphasizes the importance of community involvement in recovery efforts, rather than solely relying on market or state solutions. Market and State Dynamics: The conversation explores the interplay between market forces and state interventions in disaster recovery. Aldrich highlights the failures of traditional insurance models in the face of increasing disaster frequency due to climate change. Impact of Climate Change: The episode addresses the rising frequency and severity of meteorological disasters, linking them to climate change. Aldrich presents data showing a shift from years between significant events to mere months, indicating a new norm in disaster occurrences. Community Networks: Aldrich shares personal experiences that shaped his understanding of resilience, particularly how community networks provided support during crises when institutional help was lacking. Behavioral Shifts in Insurance:The discussion touches on how rising insurance costs are leading to behavioral changes among homeowners, with many opting to drop coverage due to affordability issues. This trend could lead to a cascading failure in the insurance market. Future of Disaster Preparedness: Aldrich emphasizes the need for innovative approaches to disaster preparedness, including rethinking zoning laws and construction practices to better suit the realities of climate change. Overall Takeaways Community Resilience is Crucial: Effective recovery from disasters relies heavily on community support and involvement, rather than just market or government solutions. Insurance Models Need Reform: Current insurance models are inadequate for the increasing risks posed by climate change, necessitating a reevaluation of how insurance operates in high-risk areas. Rising Disaster Frequency: The data indicates a significant increase in the frequency of disasters, which requires urgent attention and action from both policymakers and communities. Behavioral Changes in Coverage: Homeowners are increasingly dropping insurance coverage due to rising costs, which could lead to broader market failures. Innovative Solutions Required: There is a pressing need for new strategies in urban planning and disaster preparedness to address the challenges posed by climate change effectively. Conclusion: This episode provides valuable insights into the intersection of technology and the insurance industry, highlighting how companies like Bestow are leading the charge in modernizing life insurance for a new generation of consumers. This episode is brought to you by The Future of Insurance thought leadership series, available globally from Amazon in print, Kindle and Audible audiobook. 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.

This week we study the hymn "May God Bestow on Us His Grace" (Hymn 500 in The Lutheran Hymnal), written by Martin Luther in the 1524.     This hymn is a poetic version of Psalm 67 which is often called the Mission Psalm. This hymn, like Psalm 67 is a prayer to God, that God would bless His people and that they in turn would be a witness to the unbelieving world around them. This is a beautiful and very applicable prayer for us in our world still today as fewer people in our lives are Christian then ever before. We are surrounded by opportunities to be a witness to the Savior of all people to the people around us.   This hymn highlights several important truths. First, all of our blessings, both physical and spiritual come from God. He is the giver of all things, and those blessings are to be used for our good, but also for the good of those around us and to God's glory. Second, God's Means of Grace -- the Gospel in Word and Sacrament - are the means by which He gives us His spiritual blessings, which include bringing us to faith, keeping us in the faith, forgives us our sins, and brings us to heaven. When we separate ourselves from His Means of Grace we separate ourselves from God and from His blessings, to our spiritual harm. This hymn is a prayer that God would bless us through His Word and Sacrament and through them equip us to be faithful witness of Jesus and His blessings to the world around us that "the ends of the earth shall fear Him" (Psalm 67:7). As Luther says: "Let all the world praise Him alone; Let solemn awe possess us." May the LORD create such solemn awe in each of us through the hearing of His Holy Word! Join us as we study this hymn which is a fitting and beneficial prayer for us to pray still today!

Applied Nutrition might be growing above its previous IPO expectations, but can the company derive enough freshness from strategic partnerships to generate the type of consistent returns needed to win the hearts of external market stakeholders? Applied Nutrition Plc (LSE: APN) is a leading sports nutrition, health and wellness brand, which formulates and creates nutrition products targeted at a wide range of consumers and sold in over 80 countries worldwide. There are several product ranges under the Applied Nutrition Group, including the namesake Applied Nutrition, All Black Everything (ABE), Body Fuel, and Endurance. Additionally, because of a trademark issue, the U.S. division sells its products under the AN Supps company name. Over the first six months of fiscal 2025, Applied Nutrition reported generating revenue just shy of $60 million, which I believe would be an increase of around 19% YoY. It was also noted in the statement that the adjusted EBITDA margin was in line with expectations. And while no actual numbers were provided, we can assume an adjusted EDITDA margin around the company's historical average of about 29%. But I'll use that last point around strong net profitability as my transition towards analyzing the “significant progress towards its growth strategy” delivered by Applied Nutrition recently...and that starts with an existing capital allocation pattern reinvested profits back into the company's manufacturing capabilities and operational facilities. From previous financial documents, we know that about 80% of all Applied Nutrition products are self-manufactured, which allows the company to quickly evolve its product strategy to access emerging trends and fill opportunity gaps across the marketplace (positively impacting growth of distribution points and shelf space with existing and new customers). But that vertical integration element can also be leveraged by Applied Nutrition for geographical expansion…with about 60% of its total revenue currently being captured from commercial activities outside its home market of the UK. But arguably the most important geographical expansion progress has been happening within the United States. And the most notable news would be the launch of “AN Performance” products across The Vitamin Shoppe stores nationwide. Additionally, and this is partly in reference to that “freshness” introductory comment, but the company partnered with global fruit brand Chiquita to launch “officially licensed flavors” of several AN Performance products. And while I'm just a single peanut in the gallery of many…I've tried each of those AN Performance Chiquita products and I'd rate them very high in terms of flavor matching, flavor likeability, and formulation approach. Now…does that mean anything? I've certainly (let's call it “knighted” because of the company's British roots) many of the functional CPG products well before they went on to outsized mainstream commercial success, but most of my early conviction built around certain new products is directly tied to the “freshness” (aka appealing distinctiveness) of its brand strategy. So, while having those great (glocalized) Applied Nutrition products is a foundational element to unlocking any chance of U.S. marketplace success…I'll breakdown why I'm still hesitant to make louder and more confident declarations on the company's long-term success within the U.S. market.

Life isn't here to harden you—it's here to refine and shape you.

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Lesson on the topic of "To Bestow in Order to Bestow"

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Dr. Jon Bruss, President of Concordia Theological Seminary-Fort Wayne, IN Concordia Theological Seminary-Fort Wayne, IN The post The Hymn, “May God Bestow on Us His Grace” – Dr. Jon Bruss, 12/17/24 (3521) first appeared on Issues, Etc..

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Lesson on the topic of "To Bestow in Order to Bestow"

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Lesson on the topic of "To Bestow in Order to Bestow"

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Lesson on the topic of "To Bestow in Order to Bestow"

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Lesson on the topic of "To Bestow in Order to Bestow"

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Lesson on the topic of "To Bestow in Order to Bestow"

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Sunday sesh conclusion for the book of the month for October.

August 17, 2024 Judg. 4:1-24; Ps. 94:1-13; Prov. 21:17-18; Luke 24:24-34