Podcasts about cultivate

Are Working Genius pairings linked with Ideal Team Player virtues? In episode 103 of the Working Genius Podcast, Pat and Cody explore why Working Genius types cannot and should not be used to predict the three Ideal Team Player virtues (humble, hungry, and smart). They walk through tempting—but ultimately inaccurate—assumptions people often make when connecting specific geniuses to humility, hunger, or emotional intelligence. By clarifying the proper order of team building—hire for virtues first, then place people according to their geniuses—they'll help you avoid costly misinterpretations and build healthier teams.Topics explored in this episode: (00:00) The Premise* Why Ideal Team Player virtues must come before Working Genius when building a team.(03:20) Exploring the “Smart” Virtue and EQ* WG cannot predict emotional intelligence (EQ).* How each working genius type can be either high or low EQ. (08:23) Tempting but Incorrect Correlations Between Virtues and Genius Types* The common assumptions that “D” = smart, “E” = humble, and “T” = hungry. (15:55) Virtues → Genius → Behaviors* Why Ideal Team Player, Working Genius, and Five Dysfunctions must be applied in order.More info about Pat's book, The Ideal Team Player: How to Recognize and Cultivate the Three Essential Virtues: https://www.tablegroup.com/product/ideal-team-player/ More info about Pat's book, The Five Dysfunctions of a Team: A Leadership Fable: https://www.tablegroup.com/topics-and-resources/teamwork-5-dysfunctions/#5dbook This episode of The Working Genius Podcast with Patrick Lencioni is brought to you by The Table Group: https://www.tablegroup.com. We teach leaders how to make work more effective and less dysfunctional. We also help their employees be more fulfilled and less miserable. The Six Types of Working Genius model helps you discover your natural gifts and thrive in your work and life. When you're able to better understand the types of work that bring you more energy and fulfillment and avoid work that leads to frustration and failure, you can be more self-aware, more productive, and more successful. The Six Types of Working Genius assessment is the fastest and simplest way to discover your natural gifts and thrive at work: https://workinggenius.me/about Subscribe to The Working Genius Podcast on Apple Podcasts (https://apple.co/4iNz6Yn), Spotify (https://open.spotify.com/show/3raC053GF5mtkq6Y1klpRU), and YouTube (https://bit.ly/Working-Genius-YouTube). Follow Pat Lencioni on https://www.linkedin.com/in/patrick-lencioni-orghealth, http://www.youtube.com/@PatrickLencioniOfficial, and https://x.com/patricklencioni. Be sure to check out our other podcast, At The Table with Patrick Lencioni, on Apple Podcasts (https://apple.co/4hJKKSL), Spotify (https://open.spotify.com/show/6NWAZzkzl4ljxX7S2xkHvu), and YouTube (https://bit.ly/At-The-Table-YouTube). Let us know your feedback via podcast@tablegroup.com. This episode was produced by Story On Media: https://www.storyon.co.

Author Joy Pullmann, executive editor of The Federalist, joins Trending with Timmerie. Episode Guide Why we all need to stop being transgender (2:07) Why you should read to your kids & a classic book list for children (22:34) Cultivate your relationships (41:23) Resources mentioned: Western Culture Isn't Feminized, It's Transgender: https://thefederalist.com/2025/10/20/western-culture-isnt-feminized-its-transgender/ Annie Oakley (1935 film) Classic Books For Young Children – Age 3-9 https://payhip.com/b/R1JL 300 Classic Books for Ages 9 to Adult https://payhip.com/b/ZT5Wd Saint George and the Dragon: https://www.amazon.com/Saint-George-Dragon-Margaret-Hodges/dp/0780703138/ref=tmm_hrd_swatch_0 Ox-Cart Man by Donald Hall: https://www.amazon.com/Ox-Cart-Man-Donald-Hall/dp/0140504419

If you've been dragging some of last year around with you, or you've been feeling that strange mix of excitement and pressure that shows up every January, this episode is calling your name. Closing out the year, the POTC cohosts are bringing you a conversation about how creativity can be a lifeline, a mindset shift, and a really enjoyable way to start 2026 feeling more like yourself.Walking you through simple ways to reflect on the past year, we share some creative exercises that spark real insight and explore how tuning into your creative side can help you make meaning, connect with people, and better handle the tough stuff life throws at you. If you're craving more joy, connection, or just a new angle on the year ahead, you're bound to find something that resonates.So settle in, and join us in starting the year with intention, curiosity, and a little touch of creativity.Listen and Learn: Reflection Exercises, including: Finding Meaning: Reflecting on the past year, where were you last New Year's, and what were your biggest highs and lows since thenMeaningful Moments: Reflecting on two or three meaningful moments from the past year and vividly recalling the sights, sounds, and feelings of each experienceLessons, Wins and Moving Forward: Reflecting on your past year to uncover lessons from mistakes, celebrate achievements, and clarify what truly matters to you as you move into 2026Vision for the Year Ahead: Reflecting on what you truly want, the areas you've neglected, and the values you want to prioritize in the year aheadHow incorporating creative, life-affirming activities can boost your well-being and help you navigate life's challengesPractical exercises and tips to spark more creativity in your life in the new yearResources: Access the New Year's Reflection Questions from this episode (.pdf or editable MS Word versions available) Debbie's Guided Journaling Substack with writing prompts and a 30-day journaling challengeYear Compass worksheets: https://yearcompass.com/Word of the Year and Unravel Your Year worksheets by Susannah Conway: https://www.susannahconway.com/unravel Creative Mornings: https://creativemornings.com/ Jill | Betrayal Weekly: https://podcasts.apple.com/us/podcast/jill-betrayal-weekly/id1615637724?i=1000726003078 If you have a story connected to trauma, crime, or someone who's caused harm—and you feel ready to share it—Jill would love to hear from you. You can book a free 30-minute consult at:https://jillstoddard.com/contact-us About the POTC CoHosts: Debbie Sorensen, PhD, Co-hostDebbie (she/her) is a clinical psychologist in private practice in Denver, Colorado with a bachelor's degree in Psychology and Anthropology from the University of Colorado, Boulder, and a Ph.D. in Psychology from Harvard University. She is author of the book ACT for Burnout: Recharge, Reconnect, and Transform Burnout with Acceptance and Commitment Therapy, and co-author of ACT Daily Journal: Get Unstuck and Live Fully with Acceptance and Commitment Therapy. She loves living in Colorado, her home state, with her husband, two daughters, and dog. When she's not busy working or podcasting, she enjoys reading fiction, cooking, traveling, and getting outdoors in the beautiful Rocky Mountains! You can learn more about Debbie, read her blog, and find out about upcoming presentations and training events at her webpage, drdebbiesorensen.com.Jill Stoddard, PhD, Co-hostJill Stoddard is passionate about sharing science-backed ideas from psychology to help people thrive. She is a psychologist, writer, TEDx speaker, award-winning teacher, peer-reviewed ACT trainer, bariatric coach, and co-host of the popular Psychologists Off the Clock podcast. Dr. Stoddard is the founder and director of The Center for Stress and Anxiety Management, an outpatient practice specializing in evidence-based therapies for anxiety and related issues. She is the author of three books: The Big Book of ACT Metaphors: A Practitioner's Guide to Experiential Exercises and Metaphors in Acceptance and Commitment Therapy; Be Mighty: A Woman's Guide to Liberation from Anxiety, Worry, and Stress Using Mindfulness and Acceptance; and Imposter No More: Overcome Self-doubt and Imposterism to Cultivate a Successful Career. Her writing has also appeared in The Washington Post, Psychology Today, Scary Mommy, Thrive Global, The Good Men Project, and Mindful Return. She regularly appears on podcasts and as an expert source for various media outlets. She lives in Newburyport, MA with her husband, two kids, and disobedient French Bulldog. Michael Herold, Co-HostMichael (he/him) is a confidence trainer and social skills coach, based in Vienna, Austria. He's helping his clients overcome their social anxiety through Acceptance and Commitment Therapy (ACT) and fun exposure exercises. (Though the jury is still out on whether they're mostly fun for him). He is also a certified therapeutic game master, utilizing the Dungeons&Dragons tabletop roleplaying game to train communication, assertiveness, and teamwork with young adults. Or actually, anyone ready to roll some dice and battle goblins in a supportive group where players want to level up (pun!) their social skills. Michael is the head coach of the L.A. based company The Art of Charm, running their confidence-building program “Unstoppable” as well as workshops on small talk, storytelling, vulnerability, and more. He is the scientific advisor and co-producer of their large podcast with more than 250 million downloads. As a member of the Association for Contextual Behavioral Science (ACBS), Michael is the current President of the ACT Coaching Special Interest Group with nearly 1,000 coaches worldwide, and the co-founder of the ACT in Austria Affiliate of ACBS, a nationwide meetup for ACT practitioners in Austria. He's a public speaker who has spoken at TEDx, in front of members of parliament, universities, and once in a cinema full of 500 kids high on sugary popcorn. In a previous life, he was a character animator working on award-winning movies and TV shows such as “The Penguins of Madagascar” and “Kung Fu Panda”. That was before he realized that helping people live a meaningful life is much more rewarding than working in the film business – even though the long nights in the studio allowed him to brew his own beer in the office closet, an activity he highly recommends. Michael grew up with five foster kids who were all taken out of abusive families. His foster sisters showed him how much positive change is possible in a person if they have the love and support they need.Emily Edlynn, PhD, Co-HostEmily (she/her) is a licensed clinical psychologist specializing in pediatric health psychology who works in private practice with children, teens, and adults. She has a BA in English from Smith College, a PhD in clinical psychology from Loyola University Chicago, and completed postgraduate training at Stanford and Children's Hospital Orange County. Emily spent almost ten years working in children's hospitals before pivoting to private practice, which allowed her to start a writing career. Emily has written her blog, The Art and Science of Mom, since 2017 and a parenting advice column for Parents.com since 2019. Emily's writing has also appeared in the Washington Post, Scary Mommy, Good Housekeeping, Motherly, and more. She recently added author to her bio with her book, Autonomy-Supportive Parenting: Reduce Parental Burnout and Raise Competent Confident Children and has a Substack newsletter. Emily lives with her husband, three children, and two rescue dogs in Oak Park, IL where she can see Chicago's skyline from her attic window. Yael Schonbrun, PhD, Co-hostYael (she/her) is a licensed clinical psychologist who wears a number of professional hats: She has a small private practice specializing in evidence-based relationship therapy, she's an assistant professor at Brown University, and she writes for nonacademic audiences about working parenthood. She has a B.A. from Washington University in St. Louis, a Ph.D. in clinical psychology from the University of Colorado, Boulder, and completed her postgraduate training at Brown University. In all areas of her work, Yael draws on scientific research, her clinical experience, ancient wisdom (with an emphasis on Taoism), and real life experiences with her three little boys. You can find out more about Yael's writing, including her book, Work, Parent, Thrive, and about her research by clicking the links. You can follow Yael on Linkedin and Instagram where she posts about relationship science or subscribe to her newsletter, Relational, to get the science of relationships in your email inbox!Related Episodes: 410. Creativity and Making Things with Kelly Corrigan and Claire Corrigan Lichty345. Writing for Personal Growth with Maureen Murdock211. Subtract with Leidy Klotz73. Essentialism with Greg McKeown257. The Gift of Being Ordinary with Ron Siegel 37. Post-Traumatic Growth with Diana and Debbie375. Midlife: From Crisis to Curiosity with Meg McKelvie and Debbie Sorensen 285. What Do You Want Out of Life? Values Fulfillment Theory with Valerie Tiberius 351. You Only Die Once with Jodi Wellman 138. Exploring Existence and Purpose: Existentialism with Robyn Walser 329. The Power of Curiosity with Scott ShigeokaSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

A Falun Dafa practitioner and her two adult children, who all practice Dafa, share their cultivation journeys. The daughter, an electrician, faced challenges at work but overcame them by prioritizing cultivation and clarifying the truth to coworkers. The son, after a difficult divorce, returned to Dafa, finding strength in his faith and eventually securing a new job. This and other experience-sharing on the Minghui website. Original Articles:1. My Adult Children and I Cultivate Together on the Path of Returning Home2. My Family and I Experience Master's Compassionate Protection3. The Extraordinary Life of an Ordinary 83-year-old Woman To provide feedback on this podcast, please email us at feedback@minghuiradio.org

What if, in the middle of Christmas Day, you gave yourself permission to stop striving, and simply receive?In this final episode of The 12 Days of Holiday Resilience, Renegade Remission offers something different: a gentle meditative pause. This is a guided reflection and Christmas blessing created for those walking a healing journey, especially when illness, uncertainty, or fatigue have made the year feel heavy.Whether you're surrounded by loved ones or spending the day quietly on your own, this episode invites you to breathe, soften, and remember that healing is still unfolding, even when it seems invisible.In this episode, you'll experience:A calming, guided reflection to bring your nervous system into rest and safetyA reminder that your body has been healing all along, even through struggleA spoken blessing for your body, mind, and spirit as you step into a new yearA moment of emotional warmth, presence, and hope you can return to anytimeThis is not about fixing, forcing, or doing more. It's about honoring what you've achieved so far with your health, and what is still possible.Listen today as a gift to yourself. Let this episode be your moment to pause, breathe, and receive hope right where you are. Carry this blessing with you into Christmas Day and into the year ahead, knowing that your healing is still in motion.DisclaimerThis podcast is for educational purposes only and does not offer medical advice. Consult your licensed healthcare provider before making any changes to your treatment or health regimen. Reliance on any information provided is solely at your own risk.This podcast explores stories and science around ALS, dementia, MS, cancer, mind body recovery, healing, functional medicine, heart disease, regression, remission, integrative medicine, autoimmune conditions, chronic illness, terminal disease, terminal illness, holistic health, quality of life, alternative medicine, natural healing, lifestyle medicine, and remission from cancer, offering hope and insights for those seeking resilience and renewal.

In this episode, we dive into how creating contingency plans can actually hold back the blessings you're waiting for. We talk about learning to trust God without a backup plan, embracing patience as something that grows in us, and three practical ways to let go of fear and walk in full faith. Tune in and discover how to release those contingency plans and make room for your 2026 blessings!

Aussi incroyable que cela paraisse, il y a bien des histoires de sorcières sur les ondes du podcast, un podcast qui parle de la vie quotidienne.  Cultivate your French est le podcast petit frère de One Thing In A French Day qui a accumulé un trésor de plus de 2500 épisodes. Pendant la période des fêtes, ouvrons la malle aux trésors et découvrons que la magie s'invite aussi dans la vie quotidienne. Ces épisosdes sont un peu plus rapides que d'habitude, alors n'hésitez pas à lire le texte en même temps. Je vous invite à vous abonner aux lettres de Cultivate Your French qui sont envoyées par email à chaque fois qu'un épisode est mis en ligne. Les contes de Noël sont accompagnés d'une routine spéciale destinés aux apprenants du français qui ont besoin qu'on leur montre le chemin. L'abonnement est à 4 euros par mois. Rendez-vous sur cultivateyourfrench.com

Drs. Alexandra and Rodd Stockwell share their best relationship tips for the holidays, revealing how simple, intentional choices nourish your marriage, even during the holidays. If you want to stay close while juggling family demands and holiday responsibilities, this episode will set you up to create a calm, connected experience, together.   Give your marriage the gift of deeper connection this holiday season.

Drs. Alexandra and Rodd Stockwell share their best relationship tips for the holidays, revealing how simple, intentional choices nourish your marriage, even during the holidays. If you want to stay close while juggling family demands and holiday responsibilities, this episode will set you up to create a calm, connected experience, together.   Give your marriage the gift of deeper connection this holiday season.

AIW returns to the Akron, Ohio area Saturday December 27th with its final show of 2025 "Malice At The Palace" featuring the AIW debut of Nic Nemeth. This week we preview the card and discuss AIW's last event "Cultivate"

In a world that often glorifies rugged individualism, finding real connection and mutual growth with others can feel elusive, especially when it comes to our closest relationships. The secret ingredient might just be what so many overlook: genuine collaboration—both at home and beyond. What if the key to thriving wasn't "doing it all yourself," but learning how to truly work together? In this episode, you'll discover how building circles of collaboration can transform your personal relationships, family dynamics, and even your broader social and professional connections. Through real-life stories and practical strategies, you'll learn why trust, curiosity, and deep listening are so essential for building fulfilling partnerships. You'll also hear how taking intentional steps—like active listening, sharing vulnerability, and nurturing supportive communities—can help you experience more connection, resilience, and joy in every area of your life. Leslie Grossman is a trailblazer in leadership, and professional and career development for women. She is an accomplished executive coach, keynote speaker, researcher, serial entrepreneur and co-founder of the Women's Leadership Exchange, the first national conference program for women based on collaborative leadership. She is faculty director of Executive Women's Leadership at The George Washington University – Center for Excellence in Public Leadership. Leslie's latest book, "Circles of Collaboration", reveals the time-tested method of harnessing one's success and fulfillment on the principles of collaboration, trust, generosity and communication.   Episode Highlights 06:27 Navigating leadership roles and collaboration in relationships. 08:21 Intentionality in creating circles of collaboration. 10:33 The power of deep listening and curiosity in partnership. 14:38 Building meaningful connections through intentional questions. 17:40 Vulnerability, trust, and support systems in relationships. 20:27 Generosity, active listening, and expanding your circles. 25:28 Collaborative exchanges and asking for support. 28:24 Negotiating imperfect collaboration and relationship expectations. 31:06 Bringing up important issues: Timing and communication. 34:17 The impact of collaborative relationships and taking action.   Your Check List of Actions to Take Divide and conquer roles: In partnerships, clearly designate leaders for different areas, but always ensure communication and final decisions respect collaboration and listening. Practice deep listening: Be intentional about giving your full attention to your partner or colleague; don't interrupt or assume you know what they'll say. Ask curious questions: Show genuine interest by asking open-ended questions about feelings, experiences, and perspectives to foster connection. Build multiple circles of collaboration: Develop relationships beyond your intimate partnership—think family, friends, work, and community circles—to enrich your support network. Be intentional with connection: Choose to initiate deeper conversations with those you care about, rather than keeping interactions at a surface level. Cultivate generosity: Offer your time and listening ear generously; seek ways to support others, such as facilitating introductions or sharing helpful resources. Keep track of important issues: If topics arise that feel uncomfortable to discuss, jot them down and revisit them when the timing is better; don't let them slip away. Let go of perfection: Accept that not all relationships or collaborations will be perfectly reciprocal; allow space for difference and focus energy on relationships that foster growth and mutual support.   Mentioned Circles of Collaboration (*Amazon Affiliate link) (book) ERP 301: How an Entrepreneur Couple Can Negotiate Love and Business Successfully — An Interview with Dr. Ellyn Bader 12 Relationship Principles to Strengthen Your Love (free guide)   Connect with Leslie Grossman Website: Lesliegrossmanvision.com YouTube: youtube.com/channel/UCqjD0Y4L0XVjzixocEsO8kw Instagram: instagram.com/lesliegrossmanvision LinkedIn: linkedin.com/in/lesliegrossmanleadership  

I once came upon a beautiful quote by Marianne Williamson. It said, "Joy is what happens to us when we allow ourselves to realize how good things really are."  What does it mean to have joy in your life? It is so easy to confuse joy and happiness as the same thing, but are they? Recently, I spent some time coaching a client on how to bring more joy into the everyday activities of her life. This is one of my favorite topics to coach on since I strive to live my life with the intent of having joy - extreme happiness, fulfillment, and savoring moments of bliss.  Listen in as I discuss easy ways to find joy in the everyday tasks where you spend your time so that you can feel greater satisfaction in your daily life.    In Today's Episode We Discuss:  How to replenish energy and find more joy in your day The difference between happiness and joy  Questions to ask yourself to determine what brings you joy  My favorite Marianne Williamson quote about joy  How to bring joy into the little moments of your day A grounding exercise to foster feelings of joy  I hope that by spending a few minutes listening to this episode, you will feel inspired to bring more joy into the day to day activities of your life. It is truly the secret to feeling fulfilled and satisfied with your life - no matter the circumstances. 

Ever feel like nothing you do is enough, or your true self is not showing up in your day-to-day life?  My guest, Panache Desai, says there is a kinder, more intentional way to live. By unpacking the beliefs that hold you back, you can spot the false stories that fuel hustle and shame, then find your way back to who you are.He's here to guide us on how to release pressure, build self-trust, and live with more ease. Panache Desai is an internationally acclaimed Mentor, Speaker, and Bestselling Author dedicated to unlocking human potential and fostering personal empowerment. brings over three decades of experience as a transformational thought leader, inspiring individuals worldwide to achieve greater connection, authenticity, and peace. Featured on Oprah Winfrey's Emmy award-winning Super Soul Sunday and the host of the widely followed ‘Call to Calm' meditations, Panache seamlessly blends ancient wisdom with a modern, relatable approach. In this interview, Panache and I will talk about feeling hard emotions without getting swept away, and what it means to live from wholeness while still growing. You'll hear simple practices you can use today. Expect clarity, calm, and practical steps you can use the moment the episode ends, for you.

Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society.   In this last episode of 2025, Justin interviews Morgan O'Rourke and Hilary Tuttle of RIMS Risk Management magazine on the most impactful risks of 2025 and what's expected in 2026. They discuss the difficulty of reporting on the rapid pace of risk change. Morgan and Hilary discuss the most impactful natural events of 2025: wildfires in California and Canada, Hurricane Melissa, and flooding. They discuss the economic risks posed by the unusual tariff changes in 2025 and how supply chains and inflation are affected. These risks are covered in the Q4 edition of RIMS Risk Management magazine online now.   Morgan and Hilary will return for the first episode of 2026, launching on January 5th.   Key Takeaways: [:01] About RIMS and RIMScast. [:17] About this episode of RIMScast. This is our final episode of 2025, and who better to spend it with than Morgan O'Rourke and Hilary Tuttle of RIMS Risk Management magazine? [:44] We will discuss some of the top risk management stories of 2025 and what they might mean for 2026. They will rejoin us for the first episode of 2026! But first… [:55] RIMS-CRMP and Some Prep Courses. The next virtual prep course will be held on January 14th and 15th, 2026. These are virtual courses. Links to these courses can be found through the Certification page of RIMS.org and through this episode's show notes. [1:12] RIMS Virtual Workshops are coming up. On January 21st and 22nd, Chris Hansen returns to deliver the course, "Managing Worker Compensation, Employer's Liability and Employment Practices in the US". [1:26] The full schedule of virtual workshops can be found on the RIMS.org/education and RIMS.org/education/online-learning pages. A link is also in this episode's notes. [1:38] RIMS members always enjoy deep discounts on the virtual workshops. [1:48] The RIMS-CRO Certificate Program in Advanced Enterprise Risk Management is hosted by the famous James Lam. This is a live virtual program that helps elevate your expertise and career in ERM. [2:01] You can enroll now for the next cohort, which will be held over 12 weeks from January through March of 2026. Registration closes on January 5th. Or Spring ahead and register for the cohort that will be held from April through June, 2026. Registration closes on April 6th. [2:20] Links to registration and enrollment are in this episode's show notes. [2:27] On with the show! The annual Year in Risk Review edition of RIMS Risk Management magazine is now available. Visit RMmagazine.com for more information. [2:39] I wanted to dive deeper into some of the pages and the stories that made major headlines in risk management this year. Morgan and Hilary are rejoining us as part of our annual tradition. [2:54] We're not just looking back; we're also going to talk about how these events should be some warning signs and provide some extra insight for risk managers around the world. [3:05] Interview! This is our final episode of the year, and we're going out with a bang with two of my favorite people! [3:12] Morgan O'Rourke and Hilary Tuttle, welcome back to RIMScast! [3:23] Justin saw Morgan and Hilary, just a month ago in Seattle, at the ERM Conference. Morgan says it was raining the whole time, but it was a good conference. It was well-attended, and everybody enjoyed themselves, and the attendees got a lot out of it. It was a great event! [3:51] Hilary also thought it was great! The turnout was fantastic! There was some great feedback on a lot of the sessions. There were some packed rooms! People seemed pleased with the programming. Hilary didn't see the sun until she left, but she enjoyed the city! [5:12] Morgan and Hilary's goal for attending the ERM Conference is to gather good ideas for articles. They look for presenters who might be good content contributors in other formats. They look to get a sense of what is new and what is emerging. [5:24] Morgan and Hilary talk to members about what they're seeing in practice and what's concerning to them. Morgan says if there's a packed room for a session, it's clearly a topic that's resonating, which bumps it to the top of the list of things to pursue, since there's interest in it. [6:17] Justin notes that Morgan's always there in the sessions with pen and paper. He's old school! [7:36] Morgan says the hardest part of reporting on risk is the breadth of the risks they cover. Everything has a lot more nuance and a lot more effect. This incident happened, which had 57 knock-on effects. [7:47] Morgan explains why distilling that down to something that makes sense in article form is a huge challenge and compares writing about risk to the experience risk managers have with everything they deal with. [8:10] Morgan says that, at the end of the year, spotlighting the year in risk coverage is a challenge. How do you get the entire economic, geopolitical situation down to 200 words? [8:37] Hilary says the velocity of change is a challenge when covering risk. Unlike in everyday news coverage, they have to add an amount of value or takeaways for a reader who is looking to do something about risk. Developing that value, at the speed of risk, is particularly challenging. [9:15] Hilary continues. Crises are compounded now. You can't ignore a lot of those factors that make a crisis a bad issue. Hilary cites hurricanes, rapid intensification, which is a knock-on effect of climate change, lax building codes, and people building more in certain regions. [9:38] Hilary says you have to add so many layers to explain why this crisis is happening now. It becomes a lot more challenging to figure out how it impacts insurance. You have to take into account different exclusions or the way the policies are created. There are a lot of moving parts. [10:04] Morgan says, It's not just your picture. It's the picture of your suppliers and your customers, who might be across the country or around the world. All of their risks become your risks or, at least, will impact your business. [10:33] Justin compliments the digital layout of RIMS Risk Manager magazine. He speaks of how Morgan and Hilary go to RIMS events looking for inspiration for content and content contributors. [11:05] Morgan says, We're only as good as the information we've learned through the people we've met, or what we've read. We're not practicing risk managers. Hearing from experts who deal with it every day is the strongest way to get good content that resonates with our readers. [12:17] Morgan says wildfires were probably the most costly insured loss of 2025. Hilary says that earthquakes were the most costly in terms of the loss of life. The LA fire was the largest single economic loss. There are lots of expensive homes in Southern California. [13:26] Canada has had wildfires raging almost non-stop for two or three years. Wildfires are no longer secondary perils. They're a prime source of loss. Severe convective storms, in the aggregate, probably caused more damage than wildfires this year. [14:04] Hilary says severe convective storms have been in the top 10 for seven out of the last 10 years. Morgan says this was one of the top convective storm years. In natural disasters, you're not looking just at hurricanes and earthquakes, but also fires, floods, and more. [14:32] Hilary talks about secondary factors, like tremendous wind events in California, increasing the rate at which fires spread, making containment difficult. Things were moving fast. A lot of buildings were burning. It took three weeks to put out two of the largest fires. [15:05] Canada faced different challenges. All but two provinces had record, above-average fire seasons. Some fires impacted remote areas where getting people out is logistically extremely difficult. Seventy-something First Nations communities had to be evacuated. [15:35] If you're dealing with areas that are largely only accessible by air, getting communities of people out for long periods is logistically very challenging, with a devastating human impact. They're very different fires. [15:52] Hilary says it was quite a year. Morgan ties it back to the impact of climate change. It starts with drought, and it's exacerbated by winds. Then you've got these weird things that pop up where Mother Nature says, Hey, I've got a weird twist for you! [16:13] Quick Break! RISKWORLD 2026 will be held from May 3rd through the 6th in Philadelphia, Pennsylvania. RISKWORLD attracts more than 10,000 risk professionals from across the globe. It's time to Connect, Cultivate, and Collaborate with them. Booth sales are open now! [16:35] General registration and speaker registration are also open right now! Marketplace and Hospitality badges will be available starting on March 3rd. Links are in this episode's show notes. [16:50] Let's Return to Our Interview with Morgan O'Rourke and Hilary Tuttle! [17:11] Some of the fires Canada experienced this year were zombie fires, also called holdover fires, or overwintering fires. They can live in the soil under the snow until it gets warm, the snow melts, and they reignite. Some of the fires of 2025 were started in 2023. [16:23] Hilary believes those holdover fires were in Saskatchewan, Manitoba, the Northwest Territories, and up North. Holdover fires are most common in the Arctic Circle. [18:43] Morgan and Hilary believe that's a good example of things that will happen more frequently with climate change, affecting a larger number of people than before. [19:15] Morgan says convective storms are tornadoes and thunderstorms. Hilary adds that it has to do with the pressure front that leads to forming them. Outbreaks of many tornadoes in a couple of days wreak havoc in the U.S. Midwest. [20:06] Morgan says the highest intensity of a tornado is EF5. There was an EF5 tornado in North Dakota for the first time in 10 years. It touched down in a place where there were not a lot of people. [20:35] Hilary says we're seeing increasingly severe convective storms and inland flooding losses. Severe storms are flooding areas that weren't thought of as being at risk of flooding. [20:50] The more we build into these plains with high-value properties, the more damaging convective storms are getting. The storms are also getting worse. We're also seeing increasingly damaging hail. That's a severe convective storm issue, as well. [21:27] Morgan says climate change makes things more intense and widespread. Morgan says his favorite climate change after-effect was the attack of the jellyfish this year. [21:57] There were multiple instances of French nuclear power plants being taken offline by giant swarms of jellyfish clogging the coolant intake lines. Europe had a super-hot summer. Water temperatures rose, which increased jellyfish activity and presence. [22:26] There were so many jellyfish, they ended up in places they shouldn't be. France generates 70% of its electricity through nuclear power. If nuclear power plants are taken offline, it's not just a minor annoyance. [22:51] If you're a company during a blackout, you don't care that it was jellyfish. You're still not in business for the time that you don't have power. Suddenly, this climate change effect is now a part of a disaster preparedness plan because of climate change. You have to plan for jellyfish. [24:43] Hurricane Melissa was another storm with widespread flooding and enormous insured losses. Morgan notes that 2025 was a relatively low-activity season from the standpoint of how many hurricanes made landfall. [25:18] Melissa was the most damaging and probably accounted for 90% of economic losses and loss of life. It did billions of dollars' worth of damage. [25:33] There were three Category 5 Hurricanes this year; four is the record, but they mostly went out into the ocean; they didn't do anything. That doesn't mean it's always going to happen. If one storm hits the right place, you're in trouble. [26:07] It was an active storm season for Jamaica. It only takes one storm in your area to be an active season for you. [26:25] Hilary says Melissa is a textbook case of some of the perils of rapid intensification. It got much worse very quickly. The fact that we've seen such a proportion of Category 5 storms is a pattern that is concerning. [26:57] They discussed rapid intensification in the hurricane outlook for the season. Hurricane Erin also occurred this year. It intensified quickly, but it didn't cause a lot of damage. Your lead time is less when a storm intensifies quickly. [27:32] Morgan says it's important to get things in order before storms hit because you may not have the time to do it when it's mid-season. You don't know where or when a storm will hit. [27:50] Wikipedia calls Melissa the costliest storm in Jamaican history, at $10 billion in damage, 102 fatalities, 141 injuries, and 27 missing. [28:38] A Final Break! The Spencer Educational Foundation's goal to help build a talent pipeline of risk management and insurance professionals is achieved, in part, by its collaboration with risk management and insurance educators across the U.S. and Canada. [28:57] Spencer awards undergraduate, graduate, Ph.D., and Pre-Instructor of Practice Scholarships to students enrolled at an accredited college or university in the U.S. and Canada, and physically studying in either location. No remote coursework eligibility from other locations. [29:14] Including part-time, graduate scholarships to risk management and insurance professionals continuing their education. [29:20] Since 1980, Spencer has invested more than $11.1 million in the scholarship program with awards to over 1,700 students. More than 85% of Spencer's scholarship recipients remain in the industry to this day. [29:35] They've got undergraduate scholarships, full-time Master's scholarships, part-time Master's scholarships, pre-dissertation Ph.D. candidates, doctoral candidates, and pre-instructor of practice scholarships all open now. The application deadline is January 31st, 2026. [29:57] Visit SpencerEd.org/scholarships. You'll find the different application buttons. See the link in this episode's show notes for more information, giving you some extra homework to do over the holiday break, if you are taking a holiday break! [30:14] Let's Return to the Conclusion of Our Interview with Morgan O'Rourke and Hilary Tuttle!  [30:46] Justin mentions that tariffs in 2025 affect 90% of U.S. imports. That's a supply chain management issue and an ERM issue. Tariffs themselves are an issue. [31:16] What Morgan connects most to tariffs is the uncertainty they create, especially in the way they've been implemented this year. Tariffs are promised, then the terms are changed, creating uncertainty. What level of costs will businesses absorb or pass on to customers? [31:50] Morgan says those things make the business landscape unstable. Tariffs in April would be better than 57 different announcements that change the picture every other week and tend to tank the stock market. [32:20] Morgan says Goldman Sachs estimated in September that 55% of the incurred costs have been passed to consumers, depending on the business. Once it impacts your customers, you've got less revenue coming in. It's an unstable environment. [32:47] Hilary contrasts this year's tariffs with past tariffs. Usually, it's a "set it and forget it" situation. Hilary calls this year's tariffs erratic and confusing. The scale and the frequency of change are unprecedented. [33:31] Morgan says you can feel it when you go to the store. That's not helping from a personal standpoint or a business standpoint. Justin speaks of shrinkflation. [33:47] Tariffs are going to affect inflation. Nobody wants that. [34:22] Hilary speaks of alternate supply chains that are in more friendly tariff environments. Some of the items in your products are going to be different. Some of your processes will be different. You don't know if you're also going to be getting inferior products. [34:52] Morgan says it's not as simple as saying just get a new supplier. That's an operational shift from procurement, on. Hilary says, hopefully, you won't have to do product safety testing or environmental impact studies, or reporting around your supply chain. [35:09] Morgan notes that some raw materials may only be available in five countries, like a rare earth mineral. [35:32] Justin asks if this is explored in depth in the Q4 edition of RIMS Risk Management magazine. Hilary says we are not talking about rare earth minerals in that issue. Morgan is working on figuring out how we can cover that, perhaps, in 2026. [35:53] Morgan is fascinated by this topic. There are limited deposits of things. The broader point is that if you're affected by tariffs and you're trying to change suppliers or sources, you may not have all the options. [36:12] Hilary says it is a situation where the risk is very much there, but the management or mitigation of it is not necessarily something you can do much about. Only so many places make cobalt. Morgan adds, There are only so many mines out there. [36:31] Justin says, The Q4 edition of RIMS Risk Management magazine is out now. This is the last episode of 2025. We're going to have you back to discuss a little bit more in the first episode of 2026. [37:01] Morgan's parting words: "I'm just glad you're listening. I'm glad you're listening. I'm glad you're reading. I'm glad you're here. I feel like it's a privilege to keep writing for you, talking to you, so hopefully, we continue to do that in the new year. Everybody, be safe and happy." [37:14] Hilary's parting words: "Thanks for making it through another year!" [37:18] So, we're going to have you back in January, and we'll pick up there, probably with some cyber and some Data Privacy Day kick-off, January 5th, 2026. [37:35] Special thanks again to Morgan O'Rourke and Hilary Tuttle of RIMS Risk Management magazine and the RIMS Publications Department for joining us on RIMScast. They will rejoin us for the first episode of 2026. That will launch on January 5th. [37:52] Mark your calendar and subscribe to RIMScast through your podcasting app of choice! Visit RMmagazine.com to check out The Year in Risk edition of Risk Management magazine. That's the Q4 edition. This is reporting from the best in the profession. [38:12] You can't get any better than RIMS Risk Management magazine. [38:17] Plug Time! You can sponsor a RIMScast episode for this, our weekly show, or a dedicated episode. Links to sponsored episodes are in the show notes. [38:44] RIMScast has a global audience of risk and insurance professionals, legal professionals, students, business leaders, C-Suite executives, and more. Let's collaborate and help you reach them! Contact pd@rims.org for more information. [39:01] Become a RIMS member and get access to the tools, thought leadership, and network you need to succeed. Visit RIMS.org/membership or email membershipdept@RIMS.org for more information. [39:18] Risk Knowledge is the RIMS searchable content library that provides relevant information for today's risk professionals. Materials include RIMS executive reports, survey findings, contributed articles, industry research, benchmarking data, and more. [39:34] For the best reporting on the profession of risk management, read Risk Management Magazine at RMMagazine.com. It is written and published by the best minds in risk management. [39:47] Justin Smulison is the Business Content Manager at RIMS. Please remember to subscribe to RIMScast on your favorite podcasting app. You can email us at Content@RIMS.org. [39:59] Practice good risk management, stay safe, and thank you again for your continuous support!   Links: RIMS Risk Management Magazine: Year In Risk Edition | Feature Article Facilitating Risk-Based Decision Making | Virtual Workshop | March 4‒5, 2026 RIMS-CRO Certificate Program In Advanced Enterprise Risk Management | Jan‒March 2026 Cohort | Led by James Lam RISKWORLD 2026 Registration — Open for exhibitors, members and non-members! Reserve your booth at RISKWORLD 2026! The Strategic and Enterprise Risk Center RIMS Diversity Equity Inclusion Council RIMS Risk Management magazine | Contribute RIMS Now Spencer Educational Foundation Scholarships | Submission Deadline Jan. 31, 2026 RISK PAC | RIMS Advocacy RIMS-Certified Risk Management Professional (RIMS-CRMP) | Insights Series Featuring Joe Milan! Upcoming RIMS-CRMP Prep Virtual Workshops: RIMS-CRMP Exam Prep | January 14‒15, 2026,  9:00 am‒4:00 pm EST, Virtual Full RIMS-CRMP Prep Course Schedule See the full calendar of RIMS Virtual Workshops "Managing Worker Compensation, Employer's Liability and Employment Practices in the US" | Jan. 21‒22, 2026   Upcoming RIMS Webinars: RIMS.org/Webinars   Related RIMScast Episodes: "Mid-Year Update 2025: RIMS Legislative and Risk Management News" "James Lam on ERM, Strategy, and the Modern CRO" "The Evolving Role of the Risk Analyst" "Presilience and Cognitive Biases with Dr. Gav Schneider and Shreen Williams" "Risk Rotation with Lori Flaherty and Bill Coller of Paychex" "Risk Quantification Through Value-Based Frameworks"   Sponsored RIMScast Episodes: "Secondary Perils, Major Risks: The New Face of Weather-Related Challenges" | Sponsored by AXA XL (New!) "The ART of Risk: Rethinking Risk Through Insight, Design, and Innovation" | Sponsored by Alliant "Mastering ERM: Leveraging Internal and External Risk Factors" | Sponsored by Diligent "Cyberrisk: Preparing Beyond 2025" | Sponsored by Alliant "The New Reality of Risk Engineering: From Code Compliance to Resilience" | Sponsored by AXA XL "Change Management: AI's Role in Loss Control and Property Insurance" | Sponsored by Global Risk Consultants, a TÜV SÜD Company "Demystifying Multinational Fronting Insurance Programs" | Sponsored by Zurich "Understanding Third-Party Litigation Funding" | Sponsored by Zurich "What Risk Managers Can Learn From School Shootings" | Sponsored by Merrill Herzog "Simplifying the Challenges of OSHA Recordkeeping" | Sponsored by Medcor "How Insurance Builds Resilience Against An Active Assailant Attack" | Sponsored by Merrill Herzog "Third-Party and Cyber Risk Management Tips" | Sponsored by Alliant   RIMS Publications, Content, and Links: RIMS Membership — Whether you are a new member or need to transition, be a part of the global risk management community! RIMS Virtual Workshops On-Demand Webinars RIMS-Certified Risk Management Professional (RIMS-CRMP) RISK PAC | RIMS Advocacy RIMS Strategic & Enterprise Risk Center RIMS-CRMP Stories — Featuring RIMS President Kristen Peed!   RIMS Events, Education, and Services: RIMS Risk Maturity Model®   Sponsor RIMScast: Contact sales@rims.org or pd@rims.org for more information.   Want to Learn More? Keep up with the podcast on RIMS.org, and listen on Spotify and Apple Podcasts.   Have a question or suggestion? Email: Content@rims.org.   Join the Conversation! Follow @RIMSorg on Facebook, Twitter, and LinkedIn.   About our guests: Morgan O'Rourke, RIMS Director of Publications and Risk Management Magazine Editor in Chief Hilary Tuttle, Managing Editor, Risk Management Magazine   Production and engineering provided by Podfly.  

Send us a textTwo Great authors and one inspirational city are the focus of this episode. Sinclair Lewis Sinclair Lewis's writing advice, often delivered directly to his students or in letters, focused on the practicalities of a writing life and the raw discipline required. Some of his most memorable guidance includes the reminder that "real writers" are unstoppable and the emphasis that writing is simply hard work. Focus and disciplineDon't fool yourself. Lewis advised writers, "You can fool the critics but never yourself". Embrace the hard work.Ignore discouraging words. Turn off distractions. Writing craftWrite with your ear. Lewis insisted that writers and readers should use their ears, not just their eyes.Write what truly interests you. He advised, "Write about what really interests you... and nothing else". Be painstakingly clear. Save your drafts. He suggested that if you give up on a piece of writing, you should put it in a drawer instead of throwing it away. He found that much of his best work came from revising or rewriting things he had abandoned years earlier.Know your words.Consider not using a typewriter.Advice to his studentsWhen Lewis taught at the University of Minnesota, he had some pointed words for his class. : Compete with the best. Possess a "divine egotism". Lewis encouraged a form of confidence and ambition in his students.Live righteously. Tennessee Williams Based on his journals and interviews, Tennessee Williams' writing advice centers on honest, emotionally-driven storytelling and consistent practice. He encouraged writers to focus on the human heart, avoid distractions, and embrace the fragile, conflicted parts of themselves and their characters. Write honestly and from withinFocus on inner tension. Be autobiographical. Identify with vulnerable characters. Williams found it easier to write about people who were fragile, lonely, or on the verge of hysteria,Embrace the full messiness of your characters. He encouraged writers to let their characters "fight," "claw their way toward something," and be "messy and holy and tired" instead of being quiet and acceptable. Overcome your inner criticBelieve in your first draft.Believe in yourself.Recognize the dual nature of your work. After the first draft, Williams noted that a play is never as good or as bad as you think it is. The truth lies somewhere in the middle, and a writer must push past these self-assessments. Cultivate a strong work ethicWork every day.Revise relentlessly. Be a "wasteful writer." Williams admitted to generating a lot of material that he didn't use, going through multiple drafts before finalizing a work. For him, a lot of writing was necessary to arrive at what was good. Capture and express emotional truthDon't bore the audience. Tell the truth, even if it's shocking. Find inspiration in small observations. Questions or comments at , Randalrgw1@aol.com , https://twitter.com/randal_wallace , and http://www.randalwallace.com/Please Leave us a review at wherever you get your podcastsThanks for listening!!

View the Show Notes Page for This Episode Become a Member to Receive Exclusive Content Sign Up to Receive Peter's Weekly Newsletter In this special episode of The Drive, Peter presents a curated "best of" conversation with bestselling author and previous guest Arthur Brooks, organized around four core themes: happiness itself, the forces that undermine it, the tools and practices that help cultivate it, and the courage required to live and love well. The episode brings together the most meaningful moments from two past interviews into a single, focused discussion that distills Brooks' most insightful ideas and offers practical takeaways for building a life that's both successful and deeply happy. We discuss: Happiness vs. happy feelings, and how happiness and unhappiness can coexist [2:15]; The six fundamental emotions [5:30]; The three main "macronutrients" of happiness [15:00]; Enjoyment: one of the three macronutrients of happiness [22:45]; Satisfaction: one of the three macronutrients of happiness [30:45]; Sense of purpose: one of the three macronutrients of happiness [38:45]; Fame: one of the traps that hijack our happiness [46:30]; Success addiction, workaholism, and their detriment to happiness [49:15]; The reverse bucket list: one of Arthur's tools and practices he recommends for moving past the traps that hijack our happiness [59:15]; Metacognition: one of Arthur's tools and practices he recommends for moving past the traps that hijack our happiness [1:01:00]; Taking charge of your happiness: discipline, transcendent experiences, and other deliberate actions for "happier-ness" [1:11:30]; Tracking happiness: the biomarkers and micronutrients behind the macronutrients of happiness [1:22:45]; The value of minimizing the self and looking outward [1:30:45]; How Arthur surprised himself with his ability to improve his happiness [1:34:45]; and More. Connect With Peter on Twitter, Instagram, Facebook and YouTube

Send us a textWhat if the secret to gratitude isn't positive thinking—but imagining loss?In this 12-minute guided meditation, I'll walk you through an ancient Stoic practice called praemeditatio malorum—the premeditation of adversity. Used by Marcus Aurelius, Seneca, and Epictetus, this technique trains you to appreciate what you have before it's gone.We'll imagine a vivid scenario: a sudden accident that changes everything. Not to be morbid, but to wake you up to the fragility and preciousness of your life right now—your health, your freedom, your relationships, the simple ability to walk across a room.This practice will help you:Cultivate deep, felt gratitude (not just intellectual appreciation)Prepare mentally for life's inevitable challengesReduce anxiety by rehearsing resilienceBreak free from hedonic adaptation and wanting moreAs Epictetus said: "He is a wise man who does not grieve for the things which he has not, but rejoices for those which he has."Find a quiet space. Close your eyes. And let's practice together.

Take the Mindful New Year Workshop at https://www.mindfulnewyear.comThe Winter Solstice is one of the most powerful pause points of the year. In this episode, I reflect on the solstice as a sandhi, a sacred junction point in the Vedic tradition where one cycle ends and another begins. Whether you are in the Northern or Southern Hemisphere, this moment invites stillness, reflection, and honest self-inquiry.I share how expansion and contraction show up in nature, in our bodies, and in our lives, and how understanding these rhythms can help you stop forcing change and start aligning with what is naturally unfolding. We explore how dashas reflect long-term phases of inward or outward focus, why chasing goals for future happiness often leads to dissatisfaction, and how cultivating the feeling you desire now can shift everything.This episode is a gentle invitation to pause the “game,” reassess what is truly working, and reconnect with your deeper sense of purpose as we approach a new year. Perfect listening for solstice week, end-of-year reflection, and anyone feeling the call to slow down and realign.Key ideas and quotes• “The solstice is a sandhi, a junction point where the Sun appears to stand still and invites us to pause.”• “There are times for expansion and times for contraction, and neither is wrong.”• “The shortest distance between where you are and where you want to be isn't a line, it's a point.”• “When you condition happiness on a future outcome, the finish line keeps moving.”• “Cultivate the feeling you think the goal will give you, and let action follow from that state.”

In this message, Pastor Adrian Rogers discusses the husband's servant role in the marriage. To support this ministry financially, visit: https://www.oneplace.com/donate/135/29?v=20251111

What if growth isn't about grinding harder, but carrying less? In this episode, we explore Joseph's surprising blueprint for success: first, name your pain to release its hold, then build from a place of freedom. By examining why Menashe ("God made me forget") precedes Ephraim ("God made me fruitful"), we uncover a timeless principle that turns spiritual insight into daily strategy.We bridge this ancient narrative with lived experience. The Sforno interprets "forgetting" as the ultimate release from past troubles—a capacity we all possess but seldom use. Rambam takes this further, describing repentance (teshuvah) as the act of becoming "a different person," breaking the cycle that keeps us tethered to yesterday's failures. We'll apply this to real-world scenarios: the difficult client you still resent, the project that imploded, the habit you can't seem to break. The aim isn't amnesia; it's the disciplined choice to stop letting the past dictate your next move.You will leave with a clear, actionable approach: hold onto your principles, but drop the baggage. Cultivate a short memory where it serves you, like an athlete who takes the eleventh shot with the same confidence as the first, despite missing the previous ten. Crowd out rumination with forward-pulling goals and redirect your focus to where it truly belongs—the work that bears fruit. Detachment precedes growth, not because the pain wasn't real, but because your future cannot flourish while the past occupies center stage.Ready to travel lighter and build stronger? Listen now, subscribe for more practical Torah wisdom, and share with us: What are you choosing to set down today?Support the showJoin The Motivation Congregation WhatsApp community for daily motivational Torah content!------------------Check out our other Torah Podcasts and content! SUBSCRIBE to The Motivation Congregation Podcast for daily motivational Mussar! Listen on Spotify or 24six! Find all Torah talks and listen to featured episodes on our website, themotivationcongregation.org Questions or Comments? Please email me @ michaelbrooke97@gmail.com

Joy at Christmas can feel distant, but Luke 2:10 reminds us that God brings “good news of great joy for all people”—a promise still alive and powerful today. This devotional explores how joy is expressed, shared, lived, and cultivated so believers can reflect the hope and goodness of Jesus throughout the Christmas season. Whether joy comes naturally or feels a bit rusty, Scripture offers practical ways to embrace God’s presence and spread joy in everyday moments. Highlights Why joy is central to the Christmas message Four practical ways to express, share, live, and cultivate joy How joy becomes contagious through words, actions, and attitudes The connection between God’s presence and lasting joy Scriptures that anchor a joyful mindset (Luke 2:10, Psalm 21:6, Psalm 16:11, John 15:11–12, Galatians 5:22) Simple ways to nurture joy in others A reminder that joy is our inheritance in Christ Gift Inspiration: Crosswalk's Holiday Gift Guide Looking for a meaningful way to celebrate the season? Check out our Holiday Gift Guide—from beautifully illustrated Bibles and devotionals to novels, greeting cards, and picture books, there’s something for everyone on your list. Wrap up stories for loved ones, tuck a book into your own nightstand, and join us in celebrating the wonder of giving this Christmas! Full Transcript Below: Spreading Joy Throughout the Christmas Season By Lynette Kittle Bible Reading: “But the angel said to them, “Do not be afraid. I bring you good news that will cause great joy for all the people.” - Luke 2:10 Great joy for all the people! What truly remarkable, good news for all of us down through the ages: an announcement thousands of years ago, still relevant today. Yet, how many millions of people around the world are missing out on experiencing this great joy, not just at Christmas, but their entire lives? How do we, like the angels, proclaim and spread this great joy throughout the Christmas season and all year round? What can we do to express it, share it, live it, and cultivate it in others’ lives, too? Expressing, Sharing, Living, and Cultivating Joy Because God calls us to joy, the following are four ways we can spread it while experiencing it for ourselves. Express our joy. How do individuals express joy? Many smile, some laugh, others clap, and there are those who jump for joy. Sadly, some Christians hold their joy in, perhaps feeling it on the inside, but it doesn’t make its way outward, causing some of the Christian sayings and critiques, such as “the frozen chosen.” As a child, I loved singing the kids’ song, “I’ve got the joy, joy, joy,” over and over again. We would sing “I’ve got the joy, joy, joy, joy down in my heart!” Then we would follow it by shouting “where” and then respond by singing in reply “Down in my heart.” Just singing it brought joy to us and those listening. However we express joy, we want to make sure to let it out, so others might experience it too, and also to share the joyous message of Christmas that can be their own for a lifetime. Share our joy. Many of us don’t realize that joy is spreadable - it’s contagious and easily passed from one person to another. Just as we can sing songs that get stuck in others’ heads when they hear us singing, so too can joy be shared with one another. We can share joy simply by the way we look at the world, our situations, and those around us, letting the joy that comes from knowing God guide our words and actions. As Psalm 21:6 describes, “Surely you have granted him unending blessings and made him glad with the joy of Your presence.” Live our joy. We can wake up in the morning with joy, even before anything has happened in our day yet. Before we even lift our heads from the pillows each morning, we can experience joy daily in our lives because the source of it is not ourselves, but God. As Psalm 16:11 reminds us, “You make known to me the path of life; You will fill me with joy in Your presence, with eternal pleasures at Your right hand.” A way to live in God’s joy is described in John 15:11-12, “If you keep my commands, you will remain in My love, just as I have kept my Father’s commands and remain in His love. I have told you this so that my joy may be in you and that your joy may be complete.” Cultivate joy in others. If we ask, God will lead us to cultivate joy in the lives of those around us. We may not know how to nurture it in others, but God can show us how, because He knows what it takes to help it grow in those around us. As Galatians 5:22 describes, “But the fruit of the Spirit is love, joy, peace, forbearance, kindness, goodness, faithfulness, gentleness and self-control. Against such things there is no law.” Just the way we speak and interact with others gives us opportunities to cultivate joy in their lives by expressing, sharing, and living it out in our own. Intersecting Faith & Life: Are you known for your joy? If not, take stock and ask God why not? See what’s holding you back from enjoying the great joy that is ours through Jesus Christ. Further Reading:Counting It All Joy Even Through the Hard Stuff Discover more Christian podcasts at lifeaudio.com and inquire about advertising opportunities at lifeaudio.com/contact-us.

My partner doesn't feel loved—Dr. Alexandra Stockwell explores why this happens and how to help him feel emotionally seen and cared for without losing yourself in the process. Dr. Alexandra offers a calm, grounded path toward rebuilding desire, understanding, and connection.   Give your marriage the gift of deeper connection this holiday season.

Roger Knecht is joined by Marie Torossian, founder of The Profit Lab, to discuss strategies for accounting professionals to grow successful businesses on the latest episode of Building the Premier Accounting Firm. They cover topics from differentiating services like CFO advisory and coaching to attracting high-value clients with strong growth mindsets, emphasizing the importance of clear communication and accountability. In This Episode: 00:00 Introduction and Torossian's Background 02:08 Path to Entrepreneurship 05:30 Profit Lab's Genesis and Separation 09:14 Coaching, Advisory, and Consulting Defined 14:29 Setting Clear Client Expectations 19:43 Attracting High-Value Clients and KPIs 25:35 Building Credibility and Explaining Value 31:00 Uncovering Client Blind Spots and Personal Impact 38:16 Applying Financial Insights and Entrepreneurial Freedom 43:19 Gratitude, Resources, and Call to Action 49:03 Becoming a Profit and Growth Expert Key Takeaways: Differentiate accounting services (bookkeeping, tax, CFO, advisory, coaching) to set clear client expectations. Attract high-value clients by seeking those with a growth mindset who see value in financial insights. Implement 10X strategies and sales processes to improve client onboarding and reduce confusion. Leverage non-financial KPIs, such as leads and marketing channels, to provide holistic business guidance. Cultivate omnipresence through consistent content and testimonials to build trust and credibility. Featured Quotes: "I didn't know accounting was actually a class." — Marie Torossian "Our industry needs all of this information. I want to be a coach and I want to bring all of the 10X strategies, money mindset, all the marketing, sales, and really help our community of accountants, bookkeepers, and CPAs." — Marie Torossian "Coaching brings the accountability." — Roger Knecht Behind the Story: Marie's background began with practical experience in her father's businesses, leading her to discover accounting as a profession. Her career evolved from audit and corporate CFO roles to launching her accounting firm and eventually The Profit Lab, a coaching business. She emphasizes the importance of clear service definitions, strategic marketing, and understanding client psychology for sustained growth and personal fulfillment. Conclusion: Thank you for joining us for another episode of Building the Premier Accounting Firm with Roger Knecht. For more information on how you can establish your own accounting firm and take control of your time and income, call 435-344-2060 or schedule an appointment to connect with Roger's team here. Sponsors: Universal Accounting Center Helping accounting professionals confidently and competently offer quality accounting services to get paid what they are worth.   Offers: Get a complete assessment and a 30min review of the assessment of your money mindset, marketing and sales skillset: profitlab.biz/10xassessment    Get a FREE copy of these books all accounting professionals should use to work on their business and become profitable.  These are a must-have addition to every accountant's library to provide quality CFO & Advisory services as a Profit & Growth Expert today: "Red to BLACK in 30 days – A small business accountant's guide to QUICK turnarounds" – This is a how-to guide on how to turn around a struggling business into a more sustainable model. Each chapter focuses on a crucial aspect of the turnaround process - from cash flow management to strategies for improving revenue. This book will teach you everything you need to become a turnaround expert for small businesses. "in the BLACK, nine principles to make your business profitable" – Nine Principles to Make Your Business Profitable – Discover what you need to know to run the premier accounting firm and get paid what you are worth in this book, by the same author as Red to Black – CPA Allen B. Bostrom. Bostrom teaches the three major functions of business (marketing, production and accounting) as well as strategies for maximizing profitability for your clients by creating actionable plans to implement the nine principles. "Your Strategic Accountant" - Understand the 3 Core Accounting Services (CAS - Client Accounting Services) you should offer as you run your business. Help your clients understand which numbers they need to know to make more informed business decisions. "Your Profit & Growth Expert" - Your business is an asset. You should know its value and understand how to maximize it. Beginning with the end in mind helps you work ON your business to build a company you can leave so that it can continue to exist in your absence or build wealth as you retire and enjoy the time, freedom, and life you want and deserve. Follow the Turnkey Business plan for accounting professionals.  This is the proven process to start and build the premier accounting firm in your area.  After more than 40 years we've identified the best practices of successful accountants and this is a presentation we are happy to share.     Also learn the best practices to automate and nurture your lead generation process allowing you to get the bookkeeping, accounting and tax clients you deserve.  GO HERE to see this presentation and learn what you can do today to identify and engage with your ideal clients.   Check it out and see what you can do to be in business for yourself but not by yourself with Universal Accounting Center.   It's here you can become a:   Professional Bookkeeper, PB Professional Tax Preparer, PTP Profit & Growth Expert, PGE   Next, join a group of like-minded professionals within the accounting community.  Register to attend GrowCon and Stay up-to-date on current topics and trends and see what you can do to also give back, participating in relevant conversations as they relate to offering quality accounting services and building your bookkeeping, accounting & tax business.   The Accounting & Bookkeeping Tips Facebook Group The Universal Accounting Fanpage Topical Newsletters: Universal Accounting Success The Universal Newsletter   Lastly, get your Business Score to see what you can do to work ON your business and have the Premier Accounting Firm. Join over 70,000 business owners and get your score on the 8 Factors That Drive Your Company's Value.   For Additional FREE Resources for accounting professionals check out this collection HERE!   Be sure to join us for GrowCon, the LIVE event for accounting professionals to work ON their business. This is a conference you don't want to miss.   Remember this, Accounting Success IS Universal. Listen to our next episode and be sure to subscribe.   Also, let us know what you think of the podcast and please share any suggestions you may have.  We look forward to your input: Podcast Feedback   For more information on how you can apply these principles to start and build your accounting, bookkeeping & tax business please visit us at www.universalaccountingschool.com or call us at 8012653777  

Leave an Amazon Rating or Review for my New York Times Bestselling book, Make Money Easy!Check out the full episode: https://greatness.lnk.to/1435Javier "Chicharito" Hernández begins by discussing the importance of self-belief and how it has played a significant role in his own journey. He shares personal stories of overcoming challenges, setbacks, and self-doubt, emphasizing the power of maintaining a positive mindset and unwavering confidence in the face of adversity.Sign up for the Greatness newsletter: http://www.greatness.com/newsletter Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society.   In this episode, Justin interviews Joseph A. Milan, Ph.D., about the core philosophy or mindset for risk managers, the definition of acceptable risk, and how acceptable risk changes, depending on the organization's culture, strategy, or industry. Joseph shares his view on common mistakes and how biases can lead to gut decisions that are the least effective solutions. Justin and Joseph discuss Joseph's upcoming two-day virtual seminar, "Facilitating Risk-Based Decision Making", on March 4th and 5th, and how participants should prepare for it. Finally, Joseph shares closing thoughts for those in one-person risk departments. Listen for thoughts on how to keep the gut reaction out of decision-making.   Key Takeaways: [:01] About RIMS and RIMScast. [:17] About this episode of RIMScast. Our guest is Joseph Milan, Ph.D. You know him from the RIMS CRMP Insights Series. [:40] As one of our virtual instructors, he's here to discuss his own risk philosophies ahead of the RIMS Virtual Workshop on March 4th and 5th. He'll be leading "Facilitating Risk-Based Decision Making". But first… [:54] RIMS-CRMP and Some Exam Prep Courses. The next virtual prep course will be held on January 14th and 15th, 2026. These are virtual courses. Links to these courses can be found through the Certification page of RIMS.org and through this episode's show notes. [1:12] RIMS Virtual Workshops are coming up. On January 21st and 22nd, Chris Hansen returns to deliver the course, "Managing Worker Compensation, Employer's Liability and Employment Practices in the US". [1:26] The full schedule of virtual workshops can be found on the RIMS.org/education and RIMS.org/education/online-learning pages. A link is also in this episode's notes. [1:38] RIMS members always enjoy deep discounts on the virtual workshops. [1:48] The RIMS-CRO Certificate Program in Advanced Enterprise Risk Management is hosted by the famous James Lam. This is a live virtual program that helps elevate your expertise and career in ERM. [2:00] You can enroll now for the next cohort, which will be held over 12 weeks from January to March of 2026. Registration closes on January 5th. Or Spring ahead and register for the cohort that will be held from April to June, 2026. Registration closes on April 6th. [2:20] Links to registration and enrollment are in this episode's show notes. [2:25] On with the show! Today, we will discuss facilitating risk-based decision-making with our friend Joseph Milan, Ph.D. He is the Principal at J.A. Milan & Associates and is also an Adjunct Professor at the University of Colorado. [2:43] He is a RIMS CRMP Commissioner. You get a lot of his insights from the RIMS CRMP Insights Series. A link is in this episode's show notes. In this dialog, we will get a preview of his upcoming workshop, "Facilitating Risk-Based Decision Making", on March 4th and 5th. [3:02] But we're really going to get into Joe's risk philosophies, which are the sorts of things the RIMScast audience can use as they develop their careers and as they move into higher positions, ascend the corporate ladder, or become a department of one. [3:20] Interview! I've known him for years, and I'm so glad to finally be saying… [3:22] Joseph Milan, welcome to RIMScast! [3:41] Justin notes that he and Joseph have recorded so many things through the years, but not RIMScast. Joseph says it's great to be back with Justin, and on this medium, and he looks forward to sharing more information with Justin and all the RIMS members. [4:21] Joseph shares his RIMS history. It started in the olden times of 2005 when he got involved in a committee Carol Fox set up, called at the time the ERM Development Committee, now known as the RIMS Strategic and Enterprise Risk Management Council. [4:46] Then Joseph started helping with curriculum development and in-person professional development, before COVID. [4:58] After COVID, Joseph has been involved not only in delivering seminars but, as a commission member for the RIMS-CRMP, helped develop that curriculum and governance structure. Joseph has been involved with RIMS in different ways over the years. [5:12] There's a good chance that someone listening to this podcast will think, Hey, I know that guy! I recognize that voice! [5:26] Joseph is an Adjunct Professor at the University of Colorado, Denver. He's been active in the Risk Consulting Space since 2008, doing projects that range from simple commercial insurance placements to complex ERM implementations. He brings a unique perspective. [6:02] Joseph teaches at the University of Colorado Business School. He helped develop a course on Enterprise Risk Management. ERM is truly becoming a mature discipline. Joseph thinks RIMS is establishing a global presence for ERM. Justin credits Joseph, in part, for that. [7:05] When Justin saw that Joseph was going to host a two-day workshop, March 5th and 6th, "Facilitating Risk-Based Decision Making", he said, Let's get Joe on the show and end 2025 with a great interview with him. [7:38] Joseph says the course is, in many ways, the pinnacle of risk management as a discipline. If we think about the domains and components of the RIMS-CRMP, the fifth domain within the CRMP is about supporting risk-based decision-making. [8:06] This is a two-day seminar that takes a deep dive into that space. Joseph says it's the most fun, advanced, and interactive. It's the task that requires the best blend between the technical and the so-called soft skills. It's really exciting. Joseph is looking forward to it. [8:28] Joseph hopes a lot of the audience listening to this podcast will take enough of an interest to spend the 14 or 15 hours — it seems like a lot, but it goes fast! There are breaks. [8:52] When Joseph leads a course, he takes questions live. His approach is dynamic and flexible in terms of making sure that people get what they expect from the seminar. [9:05] Joseph says crunching numbers is super important. The assumption for this seminar is that these are advanced practitioners who can do number crunching or hire somebody to do it. The number crunching is important because it sets the foundation for control limits. [9:23] Number crunching sets the foundation for being able to answer questions about risk philosophy. [9:34] Core philosophy is risk philosophy. Risk philosophy comes from definitions of risk appetite and risk tolerance, and being able to operationalize those definitions in simple statements, in plain language, tied to the control limits that come from the number crunching. [10:00] With a good amount of work, within any organization, a risk professional and a team of people dedicated to risk and ERM should be able to put those definitions into action. [10:31] In the context of an advanced risk management or ERM seminar, when we talk about risk, it's always also about opportunity. [10:46] The simplest definition of acceptable risk is that which fits within the risk philosophy of the organization, within risk appetite and risk tolerance, and supports the organization in terms of its pursuit of objectives. [11:04] It's almost always about higher profitability, more money in for-profit companies. Non-profit companies describe it differently. Maybe it's focusing on providing more service, which is a proxy for getting more money. [11:19] It's about remaining a going concern and achieving goals. That's the simple definition: fitting within risk appetite and risk tolerance. [11:52] Joseph says it's constantly about finding balance. It's not just about the most influential senior leader, the risk leader, or the ERM leader. [12:05] It's also about the risk owners within the organization and how they fit into the strategic direction of the organization: growth vs. stability. Maybe it's an organization in distress and is focusing on retrenchment and building up a balance sheet to be able to redirect itself. [12:27] It's in that space that a lot of times, there is an unintentional lack of organizational risk competency. That can contribute to not just conflict, but also misunderstandings about what's acceptable, in terms of taking on risk in pursuit of objectives. [12:49] Communication is something we focus on in the seminar "Facilitating Risk-Based Decision Making" quite a bit. [12:58] It is in the soft space of actively listening and identifying triggers in terms of perception of risk that have a huge impact on the decisions that an organization takes in risk and opportunity. It is challenging and time-consuming, but done correctly, it's super worthwhile! [13:27] Quick Break! RISKWORLD 2026 will be held from May 3rd through the 6th in Philadelphia, Pennsylvania. RISKWORLD attracts more than 10,000 risk professionals from across the globe. It's time to Connect, Cultivate, and Collaborate with them. Booth sales are open now! [13:49] General registration and speaker registration are also open right now! Marketplace and Hospitality badges will be available starting on March 3rd. Links are in this episode's show notes. [14:04] Let's Return to Our Interview with Joseph Milan! [14:14] Joseph Milan will be hosting a workshop, "Facilitating Risk-Based Decision Making", on March 4th and 5th. Registration closes March 3rd. Justin says there is nobody better than Joseph to host this RIMS workshop. Joseph has a wide range of experience. [15:14] A risk practitioner may focus more on the traditional space, insurance. Joseph says ERM will not supersede traditional risk management. [16:06] A common mistake is that risk practitioners tend to get distracted by what they think are big numbers, but which pale in comparison to the big picture on the balance sheet. [16:36] A good solution to that mistake is to find influential people in the organization who are plugged into financial planning, analysis, and budgeting, with a long connection to the organization, to help put things in perspective and answer questions about acceptable risk. [17:09] Does it fit within the organization's risk appetite and tolerance? Answering those questions quantitatively can be fairly easy in terms of doing analysis and providing conclusions about expected total losses, frequency, and severity. [17:33] The more important question is, is that acceptable, and does it fit within what executive leadership expects in terms of the stability of the financial performance of the company? [17:44] The mistake is in overemphasizing or overestimating the importance of certain quantitative components of a risk program that oftentimes might not be that important. Conversely, there might be something much less visible that needs more attention. [18:12] You have to know your audience, and you need to know what their emotions are, what motivates them, and what might trigger them. It's a bad idea to follow your gut, but it happens all the time. One of the main reasons it happens is because of emotion. [18:44] If you see weird, irrational things happening, often, it ties back to a personal experience that the President, CEO, or CFO had many years ago. You might have an operator who went through Hurricane Katrina and is super sensitive to that type of hazard risk. [19:11] Justin shares the impact Hurricane Sandy had on his home and on his parents' home, which was destroyed. The flooding gutted the area. Looking back, Justin will always have NatCat insurance. Justin is still traumatized by it. [19:53] Joseph emphasizes communication and knowing your audience. An organization may want to do ERM or take its insurance program to the next level. Some spaces trigger reactions and emotions. [20:31] It takes time to figure out an unwritten organizational culture. [21:18] Strategy impacts the perception of risk, what's acceptable in terms of risk, and what the upper and lower control limits are. Where does strategy come from? Joseph says strategy comes from vision, mission, and execution. [21:42] Strategy comes from various places. It could be external market forces. It could be the result of a merger or an acquisition, or a series of mergers and acquisitions. The executive leadership team may have to look around and ask themselves, Who are we? What are we doing? [22:08] The first company that hired Justin, in 20 years, has been acquired twice, and people who had been lifers are being shown the door. [22:46] Joseph says, In M&A, there is a huge impact on morale. Without a clear communication plan, backed up by action, things can get inefficient and expensive very quickly. [23:17] A Final Break! The Spencer Educational Foundation's goal to help build a talent pipeline of risk management and insurance professionals is achieved, in part, by its collaboration with risk management and insurance educators across the U.S. and Canada. [23:36] Spencer awards undergraduate, graduate, Ph.D., and Pre-Instructor of Practice Scholarships to students enrolled at an accredited college or university in the U.S. and Canada, and physically studying in either location. No remote coursework eligibility from other locations. [23:53] Including part-time, graduate scholarships to risk management and insurance professionals continuing their education. [23:58] Since 1980, Spencer has invested more than $11.1 million in the scholarship program with awards to over 1,700 students. More than 85% of Spencer's scholarship recipients remain in the industry to this day. [24:15] They've got undergraduate scholarships, full-time Master's scholarships, part-time Master's scholarships, pre-dissertation Ph.D. candidates, doctoral candidates, and pre-instructor of practice scholarships all open now. The application deadline is January 31st, 2026. [24:36] Visit SpencerEd.org/scholarships. You'll find the different application buttons. See the link in this episode's show notes for more information, giving you some extra homework to do over the holiday break, if you are taking a holiday break!. [24:53] Let's Return to the Conclusion of My Interview with Joseph Milan! [25:01] Justin had Jim Swanke as a guest on International Podcast Day, from the University of Wisconsin, Madison's Wisconsin School of Business. He mentioned he has a real passion for being an educator for risk management students. [25:25] Jim Swanke encourages students to lean into technology and AI as a proofreader and a time-saving tool, to help go through contracts, claims, and things like that. That was on the captive insurance side. [25:50] Justin asks Joseph for his take on AI. Joseph encourages students to go all in on it. It's the future. It is not going away. [26:04] Joseph's clients are asking him about AI because they're looking for opportunities to increase efficiency. Is there a way we can reduce the time it takes to do "fill in the blank"? [26:17] When you look at the top risk management information systems, the first and second place, Origami and Riskonnect, are spending a lot of time and money looking for any opportunity to leverage AI to make the broader risk management process more efficient. [26:42] Joseph gives the example of analytics. It takes a couple of seconds to do a multiple linear regression analysis. The hard part is collecting the data to support the analysis. If you can leverage AI to collect, clean, and organize data, that is something you should do, with caution. [27:09] We know that large language models tend to occasionally hallucinate. To have a non-sentient black box to have a hallucination as it's cleaning your data for analysis is a little bit of a scary thing. Fortunately, we humans are still around to check these machines. [27:33] Joseph says the shortest answer is that AI is not going away. It needs to be embraced carefully. The process fundamentals that we have been thinking about, doing, and teaching about for years are the same. They will not change. [28:03] Joseph will be leading the "Facilitating Risk-Based Decision Making" virtual workshop for RIMS on March 4th and 5th. It's a two-day course with six or more hours each day. [28:32] Joseph says it's a seminar that focuses on the advanced implementation of risk solutions. We will not be doing calculations, analytics, or analysis. [28:50] We're assuming that everyone is showing up with a deep and broad understanding of not only definitions of potential risk and opportunity, but also a solid foundation in the analytical space. [29:02] This is more about thinking about how bias influences individual, group, and social perceptions and recommendations, in terms of risk. [29:17] Participants should bring an open mind and an understanding of the importance of soft skills in the space of supporting risk-based decisions. [29:31] Some of the listeners may already have read this book, but Joseph recommends it again, Thinking, Fast and Slow, by Daniel Kahneman. It is the foundation for the seminar. [29:43] Joseph says, the book takes a deep dive into the "caveman" forces that influence intuitive, gut-reaction decisions, and how gut reactions can be a very unhelpful approach for the systematic, slower decisions that need to be made regarding complex risk. [30:09] Joseph recommends reading the book. He says it will provide you with a much better foundation for the seminar, and it's a book you will keep going back to throughout your career. [30:23] Justin says, It's been such a pleasure to see you again. I've got links to the RIMS-CRMP Insights Series that you did for us. There is plenty of Joseph Milan content here on RIMS.org. [30:50] Joseph's last words for listeners: The first message is to be committed to the hard work that goes into cleaning, organizing, and setting the stage. It's part of being a good risk manager. [31:52] Beyond that, a lot of what we talk about in the ERM space has to do with leveraging existing resources and breaking down silos. Find influential, knowledgeable people in your organization who can help with different cultural components and a lot of the tactical things. [32:14] They might be able to help you find shortcuts as you take on different implementations and initiatives within the risk space within your company. [32:30] Justin says, I look forward to seeing you again, in 2026, virtually, and/or in person. Thank you so much for all your time and for being so generous with your knowledge. [32:46] Special thanks again to Joseph Milan for joining us here on RIMScast. His virtual workshop is "Facilitating Risk-Based Decision Making". Enrollment closes on March 3rd for the two-day course, which will be held on March 4th and 5th. A link is in this episode's show notes. [33:07] Joseph will also lead the Pre-RISKWORLD two-day workshop, "Captives as an Alternate Risk Financing Technique," on-site in Philadelphia on May 2nd and 3rd, 2026. We will provide a registration link when it's available. Mark your calendar and learn from one of the best! [33:28] Plug Time! You can sponsor a RIMScast episode for this, our weekly show, or a dedicated episode. Links to sponsored episodes are in the show notes. [33:56] RIMScast has a global audience of risk and insurance professionals, legal professionals, students, business leaders, C-Suite executives, and more. Let's collaborate and help you reach them! Contact pd@rims.org for more information. [34:13] Become a RIMS member and get access to the tools, thought leadership, and network you need to succeed. Visit RIMS.org/membership or email membershipdept@RIMS.org for more information. [34:30] Risk Knowledge is the RIMS searchable content library that provides relevant information for today's risk professionals. Materials include RIMS executive reports, survey findings, contributed articles, industry research, benchmarking data, and more. [34:46] For the best reporting on the profession of risk management, read Risk Management Magazine at RMMagazine.com. It is written and published by the best minds in risk management. [35:00] Justin Smulison is the Business Content Manager at RIMS. Please remember to subscribe to RIMScast on your favorite podcasting app. You can email us at Content@RIMS.org. [35:11] Practice good risk management, stay safe, and thank you again for your continuous support!   Links: "Facilitating Risk-Based Decision Making" | Virtual Workshop | March 4‒5, 2026 RIMS-CRO Certificate Program in Advanced Enterprise Risk Management | Jan‒March 2026 Cohort | Led by James Lam RIMS-Certified Risk Management Professional (RIMS-CRMP) | Insights Series Featuring Joe Milan! RISKWORLD 2026 Registration — Open for exhibitors, members, and non-members! Reserve your booth at RISKWORLD 2026! The Strategic and Enterprise Risk Center RIMS Diversity Equity Inclusion Council RIMS Risk Management magazine | Contribute RIMS Now Spencer Educational Foundation Scholarships | Submission Deadline Jan. 31, 2026 RISK PAC | RIMS Advocacy | RIMS Legislative Summit SAVE THE DATE — March 18‒19, 2026 Upcoming RIMS-CRMP Prep Virtual Workshops: RIMS-CRMP Exam PrepJanuary 14‒15, 2026, 9:00 am‒4:00 pm EST, Virtual Full RIMS-CRMP Prep Course Schedule See the full calendar of RIMS Virtual Workshops "Managing Worker Compensation, Employer's Liability and Employment Practices in the US" | Jan. 21‒22, 2026   Upcoming RIMS Webinars: RIMS.org/Webinars   Related RIMScast Episodes: "James Lam on ERM, Strategy, and the Modern CRO" "The Evolving Role of the Risk Analyst" "Presilience and Cognitive Biases with Dr. Gav Schneider and Shreen Williams" "Risk Rotation with Lori Flaherty and Bill Coller of Paychex" "Risk Quantification Through Value-Based Frameworks"   Sponsored RIMScast Episodes: "Secondary Perils, Major Risks: The New Face of Weather-Related Challenges" | Sponsored by AXA XL (New!) "The ART of Risk: Rethinking Risk Through Insight, Design, and Innovation" | Sponsored by Alliant "Mastering ERM: Leveraging Internal and External Risk Factors" | Sponsored by Diligent "Cyberrisk: Preparing Beyond 2025" | Sponsored by Alliant "The New Reality of Risk Engineering: From Code Compliance to Resilience" | Sponsored by AXA XL "Change Management: AI's Role in Loss Control and Property Insurance" | Sponsored by Global Risk Consultants, a TÜV SÜD Company "Demystifying Multinational Fronting Insurance Programs" | Sponsored by Zurich "Understanding Third-Party Litigation Funding" | Sponsored by Zurich "What Risk Managers Can Learn From School Shootings" | Sponsored by Merrill Herzog "Simplifying the Challenges of OSHA Recordkeeping" | Sponsored by Medcor "How Insurance Builds Resilience Against An Active Assailant Attack" | Sponsored by Merrill Herzog "Third-Party and Cyber Risk Management Tips" | Sponsored by Alliant   RIMS Publications, Content, and Links: RIMS Membership — Whether you are a new member or need to transition, be a part of the global risk management community! RIMS Virtual Workshops On-Demand Webinars RIMS-Certified Risk Management Professional (RIMS-CRMP) RISK PAC | RIMS Advocacy RIMS Strategic & Enterprise Risk Center RIMS-CRMP Stories — Featuring RIMS President Kristen Peed!   RIMS Events, Education, and Services: RIMS Risk Maturity Model® RIMS Risk Maturity Model®   Sponsor RIMScast: Contact sales@rims.org or pd@rims.org for more information.   Want to Learn More? Keep up with the podcast on RIMS.org, and listen on Spotify and Apple Podcasts.   Have a question or suggestion? Email: Content@rims.org.   Join the Conversation! Follow @RIMSorg on Facebook, Twitter, and LinkedIn.   About our guest: Joseph A. Milan, Ph.D.   Production and engineering provided by Podfly.  

Checkout this great episode with the guys from Cultivate LV

Pastor Ian continues our teaching series, Advent.

one day you're watching barbie movies and stealing your mum's make up, and then one day you look in the mirror and there's a woman staring back at you… what kind of woman are you choosing to be? today I am talking the rituals I incorporate into my routine to ground into my feminine energy and what practices have helped me navigate the transition from girlhood to womanhood with grace. moving from naivety and innocence, to quiet confidence, depth and softness embodied with strength.

Those of us who played organized sports in school may remember a time when the race or game was not going well, and we just wanted to give up. For many of us, it was the shouts from the sidelines that kept us going. We could hear the coach shouting, “Keep going—you can do it!” In the same way the coach keeps the team going, Christ keeps us going and guides us home. We just have to learn to turn everything in our lives over to Him. In this message, Jill explains how we can learn to let God “coach” us and find contentment in every circumstance. To support this ministry financially, visit: https://www.oneplace.com/donate/508/29?v=20251111

It is everyone's favorite time it is a "hardsell" podcast week as we break down the idea behind "Cultivate" this Friday night and the implications it can have on AIW going forward. 

Send us a textIn this episode, Marketing Coordinator Cassie Johnson sits down with Loan Officers Ben VanHook and Olivia Randolph to explore the programs Ag Credit offers to Young, Beginning, and Small producers across Central Kentucky. They dive into resources like AgStart, Cultivate, Annie's Project, and AgBizInfo.com—each designed to support producers in strengthening their financial knowledge, understanding insurance options, planning farm transitions, caring for their well-being, and much more. Tune in to learn how these programs can help set the next generation of agricultural leaders up for success.Central Kentucky Ag CreditAgStartAnnie's ProjectCultivateAgBiz Info

The January divorce spike shows how disconnected couples can feel during and after the holidays, but it doesn't have to be that way! In this episode, you'll learn how clear expectations,  thoughtful communication, and shared intentions will keep your marriage steady, loving, and deeply connected—despite holiday stressors.   Give your marriage the gift of deeper connection this holiday season.

What does it take to build a life that withstands the storms? This exploration of Proverbs 14 takes us deep into the architecture of a godly life, revealing that everything begins with the foundation we lay. Just as a construction crew wouldn't dream of placing a building on unstable ground, we cannot expect our lives to flourish without first establishing ourselves on four critical foundations: reverence, wisdom, stability, and character. The opening verse presents us with the image of a wise woman building her house—a powerful metaphor for how we construct our entire existence. When we fear the Lord with deep respect and reverence, we're not cowering in terror but standing in awe of His majesty, much like children who have a healthy respect for loving parents. This fear becomes the bedrock upon which everything else is built. The message challenges us to move beyond impulsive living toward discernment, to establish consistent rhythms in our spiritual lives rather than chasing perfection, and to recognize that our character—how we treat the McDonald's employee during a frustrating wait or how we speak to our neighbor—matters eternally. The truth is, more is caught than taught. Our lives become living testimonies, and when we root ourselves deeply in God's Word, we create a foundation that cannot be shaken, even when the winds blow and the floods come.**Sermon Notes: Building a Foundation (Proverbs 14)****Detailed Notes:**1. **Introduction to Proverbs 14:**  - The speaker notes a shift in Proverbs' structure and approach to this chapter.  - A thematic exploration of Proverbs 14, focusing on building a foundation.2. **Four Foundations:**  - **Reverence:**    - Defined as a deep respect/fear of the Lord.   - Wisdom and reverence set as crucial for a strong spiritual foundation.   - Proverbs 14:1-2 discusses the wise woman building her house with reverence.   - Verses 26-27 highlight the benefits of revering God (confidence and refuge).  - **Wisdom:**   - Emphasizes discernment over impulses.   - Wisdom involves prudent decision-making (Proverbs 14:8, 15).   - A caution against following worldly wisdom rather than God's wisdom.  - **Stability:**   - Importance of a stable foundation likened to Matthew 7's parable of building on a rock.   - Proverbs 14:11 contrasts the house of the wicked with the tent of the upright.   - Encourage development of healthy rhythms and consistency in spiritual practices.  - **Character:**   - Focus on speech, compassion, and peacefulness (Proverbs 14:3, 21, 30).   - Character impacts how we treat others and respond to life situations.3. **Summary of Proverbs 14:**  - A reader's perspective after detailed examination: listen through the lens of building a strong foundation.  - Establishing life on God's word forms a foundation that influences personal life and those around you.**Practical Applications:**1. **Reverence:**  - Cultivate a daily practice of reflecting on God's greatness to foster a respectful fear and deepen your spiritual foundation.2. **Wisdom:**  - Practice discerning choices by consulting scripture and seeking godly counsel before making significant decisions.3. **Stability:**  - Establish consistent spiritual habits, such as daily devotionals or attending church, to create a stable foundation.4. **Character:**  - Be intentional about speaking truthfully and acting compassionately, reflecting Christ-like behavior in your daily interactions.**Discussion Questions:**1. **Reflection on Reverence:**  - How do you currently demonstrate a fear of the Lord in your daily life? In what areas can this be deepened?2. **Gaining Wisdom:**  - Can you share an instance where discernment triumphed over impulse in your life? What was the outcome?3. **Building Stability:**  - What are some spiritual rhythms you have established or plan to establish to ensure stability in your faith?4. **Character Development:**  - In what ways can you improve how you represent your character at work, home, or community, ensuring it aligns with your faith?This structured approach (detailed notes, practical applications, and discussion questions) keeps the message focused while encouraging reflection and action.

This question is a great one for both reflection and planning if you are up to that at this time of the year.It's supportive when looking at the big picture view - whose kind of world does my business cultivate. And when looking at smaller day to day decisions - whose kind of world does it cultivate if I say yes/no?The world we have, the culture we are swimming in, doesn't just happen 'over there' or 'by them'. How you show up matters. Yes, at the bigger picture view AND also in your day to day life. How you show up is exactly what cultivates that life.So, whose world (or life) are you cultivating?Let's dive in.Show notes, links, mentions & transcripts dietitianvalues.com/podcastContinue the conversation on Instagram @dietitianvalues

Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society.   In this episode, Justin interviews Andréia Stephenson, BSc SIRM, Enterprise Risk Analyst at London Metal Exchange, about her shift from a Bachelor of Science in biology to a risk analyst and risk professional. Andréia speaks of her passion for data and the importance of communicating at all levels of your organization. She regards working for different organizations with good leaders as a way to learn risk frameworks and gain foundational knowledge. She shares views on how risk analysts can influence risk culture. She also tells how she uses AI as an assistant. Listen for thoughts on building a risk-aware culture by asking leaders the right questions.   Key Takeaways: [:01] About RIMS and RIMScast. [:17] About this episode of RIMScast. Our guest today is Andréia Stephenson, BSc SIRM, Enterprise Risk Analyst at London Metal Exchange. She will discuss her career and the evolving role of the Risk Analyst. But first… [:43] RIMS-CRMP and Some Exam Prep Courses. From December 15 through the 18th, CBCP and RIMS will present the RIMS-CRMP Exam Prep Boot Camp. [:53] Another virtual course will be held on January 14th and 15th, 2026. These are virtual courses. Links to these courses can be found through the Certification page of RIMS.org and through this episode's show notes. [1:07] During the interview with Andréia, you will hear her reference the RIMS CRO Certificate Program in Advanced Enterprise Risk Management, which is hosted by the famous James Lam. Andréia is an alum of the program. [1:23] You can enroll now for the next cohort, which will be held over 12 weeks, from January through March of 2026. Registration closes on January 5th. Or Spring ahead and register for the cohort held from April through June of 2026. Registration closes on April 6th. [1:39] Links to registration and enrollment are in this episode's show notes. [1:46] Justin shares that RIMS suffered a tremendous loss in December. Chief Membership Experience Officer, Leslie Whittet, with RIMS for almost three years, tragically passed away due to injuries she sustained in an accident. She was walking her dog when she was struck by a truck. [2:18] Some of the RIMS staff, including CEO Gary LaBranche, knew Leslie from years prior. We are all shocked and saddened. Leslie was a remarkable association leader with 30 years of experience. [2:33] Gary LaBranche had the privilege of working alongside Leslie Whittet at the Association for Corporate Growth for nine years. For the last three years, Justin has had the pleasure of working with her at various RIMS events and seeing her weekly on our remote calls. [2:50] Leslie was always a source of positivity, inspiration, and creativity. She was just a wonderful person who will be deeply missed. Her memory is certainly a blessing. [3:03] RIMS will celebrate her memory at the Chapter Leadership Forum in Orlando in January. If you have any questions, please contact Josh Salter, jsalter@RIMS.org. Tributes are pouring in on LinkedIn and various networking groups. [3:22] If you have memories and photos you'd like to share, we encourage you to do so to honor her memory. [3:29] It wasn't easy to speak these words or read them, so I want to take a brief moment of silence to honor Leslie before we go any further. [3:44] On with the show! Our guest today is Andréia Stephenson. She comes to us all the way from London, where she's an Enterprise Risk Analyst for the London Metal Exchange. [3:57] You may know her a little bit from some promotional videos we've done on social media, promoting the James Lam CRO Certificate Course. In getting to know her, I was struck by how enthusiastic she was about her role as a Risk Analyst for years. [4:14] Many risk professionals begin as risk analysts; others, like Andréia, can make a thriving career of it. She's here to share some tips on how to do that, where ERM fits into the mix, and where she believes the role of the risk analyst will be going in the near future. Let's get started… [4:36] Interview! Andréia Stephenson, welcome to RIMScast! [4:47] Andréia may sound familiar to you because she did a testimonial on LinkedIn for RIMS for the James Lam CRO Certificate course. Justin says she was great to work with. That's how she and Justin met, and that's why she's here. [5:19] Justin notes that his voice is lower from "shouting" during the ERM Conference. Andréia looks forward to the RIMS ERM Conference 2026. [6:09] Andréia shares an overview of her career. She started at O.R.X., an operational risk data exchange association, where she learned all the principles of risk management. It gave her a strong background in operational risk. [6:36] From there, she went to London to go into a second-line risk management function as an analyst at a wealth management investment firm, then she went to a small investment bank, then to another wealth management firm, and now, to the London Metal Exchange. [7:00] They were all analyst roles, primarily operational risk, but also enterprise risk management. Risk has been part of her life for the last 10 years. The foundation was set by O.R.X. She holds the company close to her heart. [7:28] Andréia loves data. It's incredibly important for driving analysis. She says any analyst who doesn't love data is not an analyst! Data structure and data quality are very important for risk analysis, or any analysis. You need to love data to be able to do good risk management. [8:13] Andréia says that working in different organizations is important for risk management. It helps you connect the dots between the components of a risk management framework. [8:28] When Andréia started at O.R.X., she understood all the components, but she didn't join the dots until she went into the industry, hands-on, in the deep end, trying to figure out an RCSA, a KRI, or a KPI. Then, all the components of risk management started to make a bit more sense. [8:53] Andréia has always been fortunate to have worked with several exceptional leaders, each of whom had a kind of superpower in risk management that influenced her approach and understanding of risk. [9:07] Andréia's first manager at O.R.X. was tough and meticulous. She had a deep understanding of corporate governance and the boundaries between the risk types: strategic, financial, and non-financial. [9:22] At the time, Andréia didn't really appreciate how valuable the discipline was. She didn't understand yet. In hindsight, it gave her a strong foundation. Another CRO she worked with taught her the importance of communication in risk. [9:46] Aside from his technical ability, he understood stakeholder management at every level of the organization and how to translate the risk concepts for different audiences and build alignment. [10:00] Then she had a head of risk who was incredible with data, with an exceptional ability to quantify risk using analytics and evidence. Having a science degree, numbers were not Andréia's strongest area, but working with someone who pushed her helped her to become stronger. [10:25] Andréia thinks that working in risk in different organizations can help you build those thoughts. [10:32] Andréia has a Bachelor of Science degree in biology from the University of Bath in England. She's happy she decided not to pursue biology and took the risk road, instead. [10:55] Justin tells of recently having Kellee Ann Richards-St. Clair on the show. She's on the RIMS Strategic and Enterprise Risk Management Council. Kellee Ann started in Chemistry.l She moved into Energy and Power and became the de facto ERM Manager for her organization. [11:15] Kellee Ann and Andréia channelled other areas of knowledge to apply them to risk. For Andréia, the statistical side of biology has been helpful in risk management. James Lam states in his CRO Certificate program that risk is probability and statistics. Risk management isn't easy. [12:19] Andréia believes that legacy tools and practices fall short when they are disconnected from the organization's purpose, vision, mission, and strategic objectives. GRC systems have different modules: an RCSA module, a budding issue module, and an incident module. [12:49] Andréia hasn't seen a system that can connect the dots well. Risk practitioners don't always know how to connect the dots, either. An RCSA becomes isolated from the risk itself because people don't understand the context of those risks. [13:17] Working with business senior leaders to understand the context of your organization will help you to provide more valuable use of those tools and practices. [13:32] Andréia explains RCSA. It stands for Risk and Control Self-Assessment. It's a thought process. You sit down to understand what's most important to you, how much you care about it, and what you have in place to protect what's most important to you. [13:55] Andréia says the way we try to document that thought process is quite heavy. The industry requires that process to be complicated. Andréia recommends simplifying it. [14:20] To simplify it, have a process that's more sensible. The industry requires you to do assessments for inherent risk and residual risk. First, determine if a risk is important to you. If it's not important, why are you assessing it? [15:09] Andréia thinks the industry makes it difficult by requiring organizations to assess risks in a certain way, when it doesn't actually make sense. Managers have to have the courage to say it doesn't make sense for the organization, let's try a simpler approach. [15:34] Andréia uses screens, but sometimes pen and paper will do. Having that brainstorming session with the business really helps in trying to understand the purpose of what you do for your organization and where you fit in the strategic purpose of the firm. [15:51] What is most important to you, as opposed to thinking of everything that could go wrong? Risk is not only about negative outcomes but also about opportunities. [16:09] Quick Break! RISKWORLD 2026 will be held from May 3rd through the 6th in Philadelphia, Pennsylvania. RISKWORLD attracts more than 10,000 risk professionals from across the globe. It's time to Connect, Cultivate, and Collaborate with them. Booth sales are open now! [16:31] General registration and speaker registration are also open right now! Marketplace and Hospitality badges will be available starting on March 3rd. Links are in this episode's show notes. [16:44] Let's conclude our Interview with Andréia Stephenson! [17:14] Beyond documenting risk, Andréia thinks a risk analyst can shape an organization's risk-aware culture by asking questions. The quality of the questions they ask helps drive culture. [17:31] When an analyst consistently probes assumptions, highlights all the inconsistencies they find, or asks what this means in practice, that behavior encourages others to think more critically about risk and about what they are doing. [17:50] Good questions change behaviors. They prompt people to pause and reflect rather than to operate in autopilot, which we all sometimes do. [18:04] Andréia says analysts can contribute by making risk information simpler, clearer, and more accessible, looking for ways to simplify their reports and focusing on the most important things, day-to-day, for their objectives, and having a less bureaucratic process. [18:41] Andréia suggests having the courage to speak up when processes don't make sense in the second line of defense to help as much as possible the first line. [18:51] Risk analysts can influence and change behavior by building truthful and meaningful relationships with people, caring about the business, listening to the business units, taking their feedback to heart, and helping them to change the difficulties they encounter in risk. [19:19] Andréia works in the second line of defense. She works with a lot of first-line business units. For them, it's a burden when the risk team, the CRO, or the processes change. The risk analyst needs to help them minimize that burden. It's important to be conscious of that. [19:57] Andréia says when she goes into a new organization, the first thing she does is to understand the current state. What risk practices do they have? How do they operate? After a month, she has figured out how the organization is and how they make decisions. [20:17] When she has a suggestion, Andréia puts herself on the line for it. More often than not, it has worked out positively because she had good managers who could listen to her ideas for improvement. [20:41] If something doesn't make sense, you have to be true to yourself and say this process is lengthy, or this document is enormous; let's try to simplify it. Never be afraid of providing views for improvements, so long as you have one and have thought about it. [21:16] Andréia believes in passion for what you do. You need to be passionate, and if you're not, find your passion. For Andréia, it has always been to be a professional analyst and risk professional. That passion, in turn, drives your curiosity. [21:40] Look for ways to improve and learn. Working hard is really important, even with AI. Working hard drives good results. Data literacy is very important. Understand the basic principles of data and the basic tools that allow you to do data analysis. [22:04] Think, pause, and reflect. What does that data mean? What do those patterns mean? [22:10] Andréia stresses communication. She says she's still working on her communication skills. She is very direct at work. Sometimes that directness can seem abrupt. If something doesn't make any sense, she will put her hand up and say, This doesn't make any sense! [22:41] Having the soft skill to be able to communicate at all levels of the organization is important. That will set an analyst apart. [23:33] Andréia says AI is everywhere. She uses AI all the time for work and for her personal life. In her experience, AI is most powerful as a sounding board, a thought partner, and a colleague. It helps you explore ideas, structure problems, and challenge assumptions. [24:07] The analyst is the one who provides context and judgment. AI can help you generate lots of possibilities, but it can't decide what makes sense for your organization or for you. A critical mindset is very important. [24:25] Analysts need to treat AI as an extension of their thinking process, not as a replacement for it. You are the Quality Control. You are always the one accountable for the output. AI doesn't understand your business, your culture, or your strategic priorities, but you do. [24:48] There's always the risk that if you rely on AI without applying your own insight, the output will sound sort of right but not add any value. It may be technically correct, but contextually useless. [25:12] If analysts don't know how to extract, refine, and apply what the tool gives them, it won't move the needle in a meaningful way. [25:21] Analysts should work in different places, understand what a good framework is, get certifications, work with risk professionals, work to think about problems you haven't come across before, use critical thinking, and use AI to help perform the mechanical parts of your job. [25:51] Always rely on your judgment, your relationships, and your understanding of the business you are in. [26:04] Justin shares that philosophy. He uses AI as a sounding board, to help him if he's stuck on an idea, to help him expand it. If he likes it, he'll go with it. He takes the output as a template and refines it. [26:31] Andréia says it's almost like having an assistant. If it gives you something different than what you asked for, you can restate your question. [26:41] Justin's daughter is getting into advanced math in middle school. He doesn't remember a lot of it. He's asked ChatGPT to help him come up with math questions for his daughter. It has been invaluable for that. [27:20] Andréia uses it for formulas in Excel. She says, You still have to know what you want. You can prompt it to help you remember how to do something. Justin says you need the foundational knowledge. [27:45] Andréia says foundational knowledge is what will set people apart in their profession, whatever profession it is. She would much rather know what she knows than have AI do something and not feel comfortable with it. The foundation is really important. [28:08] Special thanks again to Andréia Stephenson for joining us here on RIMScast! Keep an eye out for her on LinkedIn in those super cool CRO Certificate Program promotional videos. [28:21] Remember, we have two more cohorts coming up, one in January and one in April. Links are in this episode's show notes.  [28:29] Plug Time! You can sponsor a RIMScast episode for this, our weekly show, or a dedicated episode. Links to sponsored episodes are in the show notes. [28:57] RIMScast has a global audience of risk and insurance professionals, legal professionals, students, business leaders, C-Suite executives, and more. Let's collaborate and help you reach them! Contact pd@rims.org for more information. [29:15] Become a RIMS member and get access to the tools, thought leadership, and network you need to succeed. Visit RIMS.org/membership or email membershipdept@RIMS.org for more information. [29:33] Risk Knowledge is the RIMS searchable content library that provides relevant information for today's risk professionals. Materials include RIMS executive reports, survey findings, contributed articles, industry research, benchmarking data, and more. [29:49] For the best reporting on the profession of risk management, read Risk Management Magazine at RMMagazine.com. It is written and published by the best minds in risk management. [30:03] Justin Smulison is the Business Content Manager at RIMS. Please remember to subscribe to RIMScast on your favorite podcasting app. You can email us at Content@RIMS.org. [30:15] Practice good risk management, stay safe, and thank you again for your continuous support!   Links: RIMS-CRO Certificate Program In Advanced Enterprise Risk Management | Jan‒March 2026 Cohort | Led by James Lam RIMS-Certified Risk Management Professional (RIMS-CRMP) RISKWORLD 2026 Registration — Open for exhibitors, members, and non-members! Reserve your booth at RISKWORLD 2026! The Strategic and Enterprise Risk Center RIMS Diversity Equity Inclusion Council RIMS Risk Management magazine | Contribute RIMS ERM Special Edition 2025 RIMS Now RISK PAC | RIMS Advocacy | RIMS Legislative Summit SAVE THE DATE — March 18‒19, 2026 Statement on the passing of RIMS Chief Membership Experience Officer Leslie Whittet Upcoming RIMS-CRMP Prep Virtual Workshops: "CBCP & RIMS-CRMP Exam Prep Bootcamp: Business Continuity & Risk Management" December 15‒18, 2025, 8:30 am‒5:00 pm EST, Virtual RIMS-CRMP Exam PrepJanuary 14‒15, 2026, 9:00 am‒4:00 pm EST, Virtual Full RIMS-CRMP Prep Course Schedule See the full calendar of RIMS Virtual Workshops   Upcoming RIMS Webinars: RIMS.org/Webinars   Related RIMScast Episodes: "James Lam on ERM, Strategy, and the Modern CRO" "RIMS ERM Global Award of Distinction 2025 Winner Sadig Hajiyev — Recorded live from the RIMS ERM Conference in Seattle!" "Presilience and Cognitive Biases with Dr. Gav Schneider and Shreen Williams" "Risk Rotation with Lori Flaherty and Bill Coller of Paychex" "Energizing ERM with Kellee Ann Richards-St. Clair" "Talking ERM: From Geopolitical Whiplash to Leadership Buy-In" with Chrystina Howard of Hub "Tom Brandt on Growing Your Career and Organization with ERM" "Risk Quantification Through Value-Based Frameworks"   Sponsored RIMScast Episodes: "Secondary Perils, Major Risks: The New Face of Weather-Related Challenges" | Sponsored by AXA XL (New!) "The ART of Risk: Rethinking Risk Through Insight, Design, and Innovation" | Sponsored by Alliant "Mastering ERM: Leveraging Internal and External Risk Factors" | Sponsored by Diligent "Cyberrisk: Preparing Beyond 2025" | Sponsored by Alliant "The New Reality of Risk Engineering: From Code Compliance to Resilience" | Sponsored by AXA XL "Change Management: AI's Role in Loss Control and Property Insurance" | Sponsored by Global Risk Consultants, a TÜV SÜD Company "Demystifying Multinational Fronting Insurance Programs" | Sponsored by Zurich "Understanding Third-Party Litigation Funding" | Sponsored by Zurich "What Risk Managers Can Learn From School Shootings" | Sponsored by Merrill Herzog "Simplifying the Challenges of OSHA Recordkeeping" | Sponsored by Medcor "How Insurance Builds Resilience Against An Active Assailant Attack" | Sponsored by Merrill Herzog "Third-Party and Cyber Risk Management Tips" | Sponsored by Alliant   RIMS Publications, Content, and Links: RIMS Membership — Whether you are a new member or need to transition, be a part of the global risk management community! RIMS Virtual Workshops On-Demand Webinars RIMS-Certified Risk Management Professional (RIMS-CRMP) RISK PAC | RIMS Advocacy RIMS Strategic & Enterprise Risk Center RIMS-CRMP Stories — Featuring RIMS President Kristen Peed!   RIMS Events, Education, and Services: RIMS Risk Maturity Model®   Sponsor RIMScast: Contact sales@rims.org or pd@rims.org for more information.   Want to Learn More? Keep up with the podcast on RIMS.org, and listen on Spotify and Apple Podcasts.   Have a question or suggestion? Email: Content@rims.org.   Join the Conversation! Follow @RIMSorg on Facebook, Twitter, and LinkedIn.   About our guest: Andréia Stephenson, BSc SIRM, Enterprise Risk Analyst, London Metal Exchange   Production and engineering provided by Podfly.

Today's guest is Jaclyn Johnson, a serial entrepreneur, investor, and the founder of Cherub, a new platform reimagining how early-stage founders and investors connect. Before Cherub, Jaclyn built and exited Create & Cultivate, leading her to over $25M of exits and cementing her as one of the most influential builders in modern women's business culture.In this conversation, we get into the real stuff behind the highlight reel, from navigating divorce and dating in the middle of a very public career, to the unsexy realities of selling a company, starting again, and figuring out what you really want your life to look like on the other side. We also talk about how she thinks about modern entrepreneurship, where the creator and founder worlds are colliding, and why building a brand that actually means something has never been more important.

Laura King specializes in personalized coaching programs that combine hypnosis, NLP (Neuro-Linguistic Programming), and proven cognitive techniques to help clients to: Enhance mental resilience, focus, and confidence  Overcome performance anxiety, fears, and self-doubt  Improve habits, health, and overall well-being Strengthen motivation and consistency for long-term success , and Cultivate a positive mindset that drives personal and professional growth. Laura brings over 25 years of experience to the #OntheMark podcast and shares her 6 Keys to Awesome Golf. Moving Your Physical State from Tense to Relaxed Changing Inner Monologue from Negative to Empowering Moving Focus from Scattered to Optimal Changing Emotions from Apprehensive to Assured Improving Mentally from Terrified to Intrepid, and  Changing Expectations from Awful to Awesome. This podcast is sure to change your thought-life and mindset to set you on a path to better, more consistent golf.  Download or watch it on YouTube - search and subscribe to Mark Immelman.

• Do you ever feel so burdened, overwhelmed, or stressed that hope feels out of reach? And do you wonder how to help your teens hold onto hope when life feels heavy—for them and for you? Summary Paragraph: In this inspiring conversation, psychologist, author, and speaker Dr. Julia Garcia shares why hope isn't something you passively wait for—it's something you practice, one emotional habit at a time. Drawing from behavioral science, storytelling, and her own lived experience, Dr. Garcia reveals the five habits that help us navigate difficult emotions, interrupt cycles of overwhelm, and reconnect with a grounded sense of worth and possibility. She speaks directly to the silent struggles so many moms carry—the shame, pressure, worry, and emotional load that can eclipse hope—and offers a compassionate, practical roadmap for finding your way back to yourself. This episode will help you cultivate hope in your own life and model it for your teens, young adults, and entire family. Dr. Julia Garcia is a psychologist, author, and internationally recognized speaker dedicated to empowering people through the science of mental health and emotional wellbeing. For nearly twenty years, she has helped educators, students, business leaders, families, and individuals navigate fear, doubt, burnout, and hopelessness by building sustainable habits of healing. Her book, The Five Habits of Hope, blends neuroscience, emotional practice, and real-life stories from people around the world to show that hope is not merely a feeling—it's a daily discipline. Whether through her TEDx talks, interactive workshops, or national presentations, Dr. Garcia's mission is to make the tools of hope accessible for everyone. Three Takeaways for Moms of Teens and Young Adults 1. Hope is a Practice, Not a Personality Trait You don't have to feel hopeful to begin cultivating hope. Each of the five habits—reflection, risk-taking, release, receiving, and repurposing—creates a pathway back to emotional regulation, self-worth, and grounded optimism. 2. Your Feelings Don't Make You Weak—They Make You Real Emotions leads to overwhelm, burnout, and disconnection. Naming what you're struggling with, taking emotional risks, and receiving support strengthens your resilience and helps your teen see that emotional honesty is part of wellbeing. 3. Your Kids Need to See Who You Are, Not Just What You Do When your teens witness you engaging in passion, joy, creativity, rest, advocacy, and purpose—not just managing logistics and meeting expectations. Repurposing your emotions into something meaningful teaches them that hard things can lead to beautiful outcomes. Learn More at: https://www.drjuliagarcia.com/habitsofhope/ Follow on Instagram: https://www.instagram.com/drjuliagarcia/ Learn more about your ad choices. Visit megaphone.fm/adchoices

A Dafa practitioner in Heilongjiang Province shares his thoughts and observations of how young practitioners are doing in their cultivation in this critical time. Some have strayed from the rich cultivation environment they had when they were younger, others are demonstrating a deep understanding of the {{Fa}} and a commitment to the responsibilities of {{Fa}} rectification Dafa disciples. This and other experience-sharing from the Minghui website.Original Articles:1. Young Dafa Practitioners — Cherish the Opportunity of Cultivation2. Introducing Falun Dafa on a Cruise3. I Finally Learned How to Cultivate and Eliminate My Attachments To provide feedback on this podcast, please email us at feedback@minghuiradio.org

Cultivate a deeper sense of compassion with Brad Yates' EFT tapping podcast, supporting you in embodying kindness toward yourself and others with greater ease and authenticity.

In this episode, we use gratitude-focused affirmations to reframe daily experiences. In this episode, we highlight how appreciation creates more emotional abundance.https://selfpause.com/app/See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

2025-12-06 | DAILY UPDATES #072 | We continue our analysis of the National Security Strategy of the Trump regime, a document that claims to defend the West, by turning its guns on Europe. It's a malign document, that fleshes out Vance's speech at the 2025 Munich Security Forum. In that speech, Vance argued that Europe's principal danger came from erosion of democratic norms — especially censorship, suppression of dissent, and exclusion, widely interpreted as an attack on the structure of the European Union and its institutions. This NSS goes further and effectively declares that Europe's systems of governance are antithetical to America's interests. It's a mandate for malign interference, leans in to overtly support the far right and extremist groups, libertarian absolutists, oligarchical interests and is a mandate for regime change. ----------SOURCES: National Security Strategy of the United States of America, White House, December 2025 (PDF).https://www.whitehouse.gov/wp-content/uploads/2025/12/NSS-2025.pdfMichelle L. Price, “Trump's security strategy slams European allies and asserts US power in Western Hemisphere,” AP News / WFTV, 5 Dec 2025.https://apnews.com/article/trump-security-strategy-europe-russia-america-first-068488ca7e6d1c92ccaddd1649958218James Mackenzie, “US strategy document says Europe risks ‘civilisational erasure',” Reuters, 5 Dec 2025.https://www.reuters.com/business/finance/us-strategy-document-says-europe-risks-civilisational-erasure-2025-12-05/Gram Slattery & Humeyra Pamuk, “Exclusive: US sets 2027 deadline for Europe-led NATO defense, officials say,” Reuters, 5 Dec 2025.https://www.reuters.com/business/aerospace-defense/us-sets-2027-deadline-europe-led-nato-defense-officials-say-2025-12-05/Martin Fornusek, “New US strategy document takes hard line on Europe's ‘trajectory,' NATO enlargement,” Kyiv Independent, 5 Dec 2025.https://kyivindependent.com/new-us-strategy-document-takes-hard-line-on-europes-trajectory-nato-expansion/Jon Henley, “‘Cultivate resistance': policy paper lays bare Trump support for Europe's far right,” The Guardian, 5 Dec 2025.https://www.theguardian.com/us-news/2025/dec/05/civilisational-erasure-us-strategy-document-appears-to-echo-far-right-conspiracy-theories-about-europe----------SILICON CURTAIN FILM FUNDRAISERA project to make a documentary film in Ukraine, to raise awareness of Ukraine's struggle and in supporting a team running aid convoys to Ukraine's front-line towns.https://buymeacoffee.com/siliconcurtain/extras----------SILICON CURTAIN LIVE EVENTS - FUNDRAISER CAMPAIGN Events in 2025 - Advocacy for a Ukrainian victory with Silicon Curtainhttps://buymeacoffee.com/siliconcurtain/extrasOur events of the first half of the year in Lviv, Kyiv and Odesa were a huge success. Now we need to maintain this momentum, and change the tide towards a Ukrainian victory. The Silicon Curtain Roadshow is an ambitious campaign to run a minimum of 12 events in 2025, and potentially many more. Any support you can provide for the fundraising campaign would be gratefully appreciated. https://buymeacoffee.com/siliconcurtain/extras----------SUPPORT THE CHANNEL:https://www.buymeacoffee.com/siliconcurtainhttps://www.patreon.com/siliconcurtain----------

End the struggle with food. This session helps you reprogram your mind for mindful eating, fostering an awareness of your body's needs and promoting a healthy relationship where food is nourishment, not a source of stress. Unwind now with our positive sleep affirmations podcast. Our soothing affirmations relax the mind and prepare the body for rest. Hit play, and drift into Good Sleep... Listen to more positive sleep affirmations by subscribing to the audio podcast in your favorite podcast app:  Apple Podcasts: ⁠⁠⁠⁠⁠⁠⁠⁠https://podcasts.apple.com/us/podcast/good-sleep-positive-affirmations/id1704608129⁠⁠⁠⁠⁠⁠⁠⁠ Spotify: ⁠⁠⁠⁠⁠⁠⁠⁠https://open.spotify.com/show/3OuJvYoprqh7nPK44ZsdKE⁠⁠⁠⁠⁠⁠⁠⁠ And start your morning with Optimal Living Daily! Apple Podcasts: ⁠⁠⁠⁠⁠⁠⁠⁠https://podcasts.apple.com/us/podcast/optimal-living-daily-mental-health-motivation/id1067688314⁠⁠⁠⁠⁠⁠⁠⁠ Spotify: ⁠⁠⁠⁠⁠⁠⁠⁠https://open.spotify.com/show/1hygb4nGhNhlLn4pBnN00j?si=ca60dcfd758b44b4⁠⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

End the struggle with food. This session helps you reprogram your mind for mindful eating, fostering an awareness of your body's needs and promoting a healthy relationship where food is nourishment, not a source of stress. Unwind now with our positive sleep affirmations podcast. Our soothing affirmations relax the mind and prepare the body for rest. Hit play, and drift into Good Sleep... Listen to more positive sleep affirmations by subscribing to the audio podcast in your favorite podcast app:  Apple Podcasts: ⁠⁠⁠⁠⁠⁠⁠⁠https://podcasts.apple.com/us/podcast/good-sleep-positive-affirmations/id1704608129⁠⁠⁠⁠⁠⁠⁠⁠ Spotify: ⁠⁠⁠⁠⁠⁠⁠⁠https://open.spotify.com/show/3OuJvYoprqh7nPK44ZsdKE⁠⁠⁠⁠⁠⁠⁠⁠ And start your morning with Optimal Living Daily! Apple Podcasts: ⁠⁠⁠⁠⁠⁠⁠⁠https://podcasts.apple.com/us/podcast/optimal-living-daily-mental-health-motivation/id1067688314⁠⁠⁠⁠⁠⁠⁠⁠ Spotify: ⁠⁠⁠⁠⁠⁠⁠⁠https://open.spotify.com/show/1hygb4nGhNhlLn4pBnN00j?si=ca60dcfd758b44b4⁠⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

Pre-order my new book: https://amzn.to/4oZUgpa Some men complain to me about their women: “she takes and takes.” However, the real problem in the relationship is that he gives and gives. This is why he feels used. In this episode, I discuss how poor boundaries, emotional discomfort, and scarcity mentality all conspire to make men complicit in their own relational resentment. Cultivate abundance – and the optionality it passively generates – and you'll watch many of these issues disappear. Join my community: https://the-captains-quarters.mn.co Buy my book, "The Value of Others" Ebook: https://amzn.to/460uGrA Audiobook: https://amzn.to/3YfFwbx Paperback: https://amzn.to/3xQuIFK Book a paid consultation: https://oriontarabanpsyd.com/consultations Subscribe to my newsletter: https://oriontarabanpsyd.com Social Media TikTok: https://www.tiktok.com/@oriontaraban Facebook: https://facebook.com/profile.php?id=100090053889622 LinkedIn: https://www.linkedin.com/in/orion-taraban-070b45168/ Instagram: https://instagram.com/psyc.hacks Twitter: https://twitter.com/oriontaraban Website: https://oriontarabanpsyd.com Orion's Theme: https://www.youtube.com/watch?v=WrXBzQ2HDEQ Thinking of going to grad school? Check out STELLAR, my top-rated GRE self-study program based on the world's only empirically-validated test prep system. Use the code "PSYCH" for 10% off all membership plans: https://stellargre.com. Become a Stellar affiliate and earn a 10% commission for every membership purchased by a new student you conduct into the program: https://stellargre.tapfiliate.com. GRE Bites: https://www.youtube.com/@grebites4993 Become a Psychonaut and join PsycHack's member community: https://www.youtube.com/channel/UCSduXBjCHkLoo_y9ss2xzXw/join Sound mixing/editing by: valntinomusic.com Presented by Orion Taraban, Psy.D. PsycHacks provides viewers with a brief, thought-provoking video several days a week on a variety of psychological topics, inspired by his clinical practice. The intention is for the core idea contained within each video to inspire viewers to see something about themselves or their world in a slightly different light. The ultimate mission of the channel is to reduce the amount of unnecessary suffering in the world. #psychology #relationship #women

Hello my friend, and welcome to this powerful 10-minute grounding meditation designed to help you feel strong, build your inner confidence, and calm overthinking anxiety!In today's episode of Calming Anxiety, we will take a focused journey to connect you deeply with your foundation and core strength.This is your essential, non-negotiable time to let go of whatever you were just doing and settle into this moment.If you find your mind starting to race with worry or overthinking, this quick grounding technique will teach you how to simply notice those thoughts and gently, firmly bring your full attention back to your anchor point and the visualization of your deep, solid roots extending all the way to the core of the earth.You'll be guided to:Find a quiet place, either seated or lying down, where your back can be tall yet relaxed.Use your breath to release tension, worry, or restless energy down into the earth to be neutralized.Cultivate feelings of strength and resilience by internalizing affirmations like, "I am safe and grounded in this moment," and "I am confident in my ability to handle challenges".Use the stability of the earth to quiet the noise above, reinforcing the truth that you are stronger than your anxiety.Take this feeling of grounded strength with you as you move through the rest of the day. You are not just calm—you are powerful! This anchor is always here; you can return to it anytime, anywhere, in just a few mindful breaths.⏱️ Chapter Times00:00 - Welcome and Episode Intention00:19 - Finding Your Comfortable Anchor Position00:44 - Deep Cleansing Breaths to Let Go01:33 - Connecting with Your Physical Anchor Point02:06 - Visualizing Your Deep, Solid Roots to the Earth's Core03:29 - Breathing in Nourishing Energy, Releasing Worry04:27 - Mindful Observation and Labeling of Overthinking Anxiety05:46 - Connecting with Your Core Strength, Courage, and Wisdom06:08 - Affirmations for Inner Strength and Confidence08:13 - Integrating the Feeling of Power and Grounded Peace09:42 - Gently Returning to Your DayThank you for meditating with me. If this 10-minute anxiety relief session helped you build inner confidence, please share it with a friend who might need a quick confidence boost or a guided meditation for overthinking!Subscribe to Calming Anxiety and make this part of your routine.As always, BE KIND.Support the Show:Ad-Free Listening: Enjoy Calming Anxiety without ads at https://www.spreaker.com/podcast/calming-anxiety--4110266/supportBuy Me a Coffee: Support hosting costs at https://www.buymeacoffee.com/calminganxietyRate & Review: Leave a 5-star review on Spotify or Apple Podcasts to help us reach more listeners!Resources & Courses:Book Hypnotherapy: Schedule a one-on-one session with Martin at https://calendar.app.google/rXHMt8sRYft5iWma8 Pain & Anxiety Course:Manage negative thoughts and pain with The Physio Crew's course at https://offers.thephysiocrew.co.uk/home-painBreathing Challenge: Try our relaxing breathing challenge at https://www.martinhewlett.co.uk/breathing-challenge/Gift a Subscription: Share Calming Anxiety with loved ones at https://www.martinhewlett.co.uk/shop/calming-anxiety-gift-subscription/Get the App:iOS: Download Calming Anxiety at https://apps.apple.com/gb/app/calming-anxiety/id1576159331 Android:Get it on Google Play at https://play.google.com/store/apps/details?id=digital.waterfront.calming.anxiety&hl=en-GBConnect With Us:Email: Share feedback or requests at calminganxiety@martinhewlett.co.ukYouTube: Watch all episodes at https://www.youtube.com/c/calminganxiety?sub_confirmation=1 Social Media Support: For younger listeners struggling with social media stress, visit https://www.icanhelp.net/Backing Music: Chris Collins===================Affiliate links to the gear I use the items that give me a more tranquil life.Rode Podmic - https://amzn.to/3LN1JEdZoom Livetrak L8 - https://amzn.to/36UCIbySony ZV 1 - https://amzn.to/3JvDUPTGoPro Hero 8 Black - https://amzn.to/372rzFlDJI Mini 2 - https://amzn.to/3NQfMdY=============================Items I use for a more relaxed way of life :)Organic Pure Hemp CBD Capsules - https://amzn.to/3Ready for More Calm?Thank you for listening to the Calming Anxiety Podcast, featuring guided meditation, mindfulness, and sleep hypnosis sessions with Martin Hewlett. Our mission is to provide you with proven tools for anxiety relief, stress reduction, and a path toward deep relaxation. Use this episode anytime you need to calm your mind and feel more at ease.

Nice Guy Syndrome influences your relationship more than you may realize, and in this conversation Dr. Robert Glover joins Dr. Alexandra Stockwell to break down why it kills attraction and what men can do to show up with authenticity, confidence, and real connection.  If you want a relationship that feels alive, honest, and deeply intimate, this episode gives you the tools to shift old patterns and create the partnership you want. About Dr. Glover: Dr. Robert Glover has over 40 years of professional experience as a relationship therapist and men's coach. He specializes in helping men build community and level up to the best version of themselves. He has authored four books, including the bestselling No More Mr. Nice Guy. He founded Integration Nation, an international community for men in 2023.   Instagram: https://www.instagram.com/drgloverofficial Check out his courses: https://drglover.com/   Books mentioned during the episode: The Way of the Superior Man https://amzn.to/47Ccvd3 Passionate Marriage  https://amzn.to/3JH5dwA Mating in Captivity https://amzn.to/47CqkIp       Subscribe To The Intimate Marriage Podcast: Apple Podcast | YouTube | Spotify Connect With Alexandra Stockwell, MD: Website | Linkedin | Instagram   Get your copy of "Uncompromising Intimacy" by Dr. Alexandra Stockwell here: https://amzn.to/2ymI3Hl Download the first chapter of Dr Alexandra's bestselling book, "Uncompromising Intimacy," here:  https://www.alexandrastockwell.com/book   Cultivate your intimacy skills (without compromise) in Aligned & Hot Marriage, Dr. Alexandra's proven method for smart couples ready to love more fully:  www.alignedhotmarriage.com   Join Dr. Alexandra's email list to stay connected. She shares inspiring stories, her latest insights and opportunities to learn with her:  https://www.alexandrastockwell.com/subscribe   This Podcast Is Produced, Engineered & Edited By:  Simplified Impact

One thing that many alumni and students will say upon reflecting on the merits of their Veritas education is: "I learned how to carry on a good conversation."It's true that the art of conversing may be dwindling in our culture. Being able to relate to others well in a variety of situations - and engage on a breath of topics - is a skill that is deeply appreciated by others, and beneficial for ourselves, too.Especially now, coming into the holidays when we find ourselves in an array of social settings with family, friends, and even strangers, being equipped with the mindset and skills for good conversation will make Christmas gatherings all the more pleasant for everyone.Our host, Head of School Ty Fischer, is joined in this episode of Veritas alumni Jesse Brooks and Dean of Students and Omnibus/Rhetoric teacher Graham Dennis to talk about what makes for a good conversation, and how we can help cultivate in ourselves and our children the desire and skill to carry on good conversation.After all, that a big part of what we're doing at Veritas – fostering students who can listen well and speak thoughtfully on topics that truly matter, and who excel at relating with one another in Christ because they've been trained regularly in talking around the table.This season of Cultivate is sponsored by Hershey Financial Advisers, a wealth management firm located at North Pointe Blvd. in Lancaster, PA, leading people to make better financial decisions and empowering them to fulfill a vision beyond themselves.

Welcome! I'm Julianne, a Holistic Transformation Coach.I help people break free from toxic relationship patterns, rebuild self-trust, and reconnect with their body and true self after trauma.On this channel, you'll find practical tools, nervous system support, and honest, faith-aligned insights to help you:Recover from the effects of trauma and toxic relationshipsBreak free from narcissistic abuse cyclesRebuild your identity and strengthen healthy boundariesRelease people-pleasing and self-sabotaging patternsCreate nervous system safety and emotional stabilityReconnect with your body, your voice, and your true selfI post new videos regularly to support your healing journey and help you come home to yourself. Subscribe and turn on notifications to get updated.Survivor to Thriver 80% OFF - https://www.rawmotivations.com/survivorFollow me on Instagram: @rawmotivationsFollow me on TikTok: @rawmotivationsQuestions? Reach out: support@rawmotivations.comStart healing today with my free 5-Day Boundaries Reboot Challenge: https://www.rawmotivationscoaching.com/boundaries