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In this episode we meet Yasmeen, a lady from rural Switzerland who has spent more than twenty years in Africa. You'll hear about bold African evangelists forced to dig their own grave for preaching in a certain village, the beginnings of a movement to Christ in Darfur (in the midst of years of horrific violence and civil war), the smuggling of bibles in peanut sacks, and how Yasmeen's husband was regularly interrogated by the police. This is a powerful story of incarnational love, of unlikely friendships, of Muslims finding the truth about Jesus, of hope for hopeless refugees in Sudan. If you're in the uk, we would love to see you at our annual conference day, which is happening on Saturday 8th of November in Buckinghamshire. It's a great chance to connect with us, meet workers, hear their stories, and get equipped to reach out to your Muslim neighbours and friends.To register, go to our Events Page on the website.Support the show_________________________________________________________________________________Do get in touch if you have any questions for Matt or for any of his guests.matt@frontiers.org.ukYou can find out more about us by visiting www.frontiers.org.ukOr, if you're outside the UK, visit www.frontiers.org (then select from one of our national offices). For social media in the UK:Instagram: frontiers_ukAnd do check out the free and outstanding 6 week video course for churches and small groups, called MomentumYes:www.momentumyes.com (USA)www.momentumyes.org.uk (UK) _________________________________________________________________________________
Episode 29: We're Down With ThatSeptember 2025‘Main Topic': Our experienced Lifestyle friends are here in the studio with us to talk about the concept of “We're Down With That”. From their early beginnings in swinging to the most recent adventures. They tell all!‘What Have We Done Lately': The ShareNation Hotel Takeover featured s School Girl Night and White Party Night. We ran the Couples Speed Dating and Pool Party. The following weekend was R&R's House Party that went all night and all next day. Crazy, Insane! Then, right into another weekend trip to Sunny Rest Resort for the End of Season Halloween party. Yes, in September! We're tired!‘Where We Are Going Next': Lots coming up… Flying to Cancun again but this time stays at Desire RM and Desire Pearl. Here comes the shenanigans! Next IPG parties are Oct 17-18 for Curvy & Fabulous and Oct 24-25 for their IPG Halloween Party. ShareNation Halloween Party weekend is Oct 31-Nov 1, so get your Tickets at LifestyleLynx.com. November we are on the ‘Sold Out' Bliss Cruise. The 2026 February & April Cruises are sold out as well with November nearing capacity. But don't fear, book with our April 2027 Bliss Cruise group for ‘Prime' Cabin locations. Check our website LifestyleLynx.com Events Page 2, for Booking with a Special Perk while there are still great cabins available. For booking a Bliss Cruise, your next IPG and ShareNation Events, visit: https://lifestylelynx.com/events%2Ftrips%2FcruisesVisit us at https://www.LifestyleLynx.com for related Adult Events, Cruises, Resorts, Clubs, Parties, Swinger Websites and more...
In this episode Matt & Mike do some myth-busting, challenging many of the half-truths and misunderstandings about mission in today's world. Here are the 10 myths that they tackle:1. There are churches all over the world. Our task is done.2. There are too many needs around us. 3. Mission is everything we do. (Everyone is a missionary.)4. We should just send money to local evangelists, who are more effective.5. Mission is 'West to the Rest' (a neo-colonial endeavour).6. Missionaries are super-spiritual - and I'm not.7. Missionaries are super-gifted - and I'm not.8. Missionaries receive a special call from God.9. Missionaries have to give up their careers to go.10. Missionaries live in mud huts. If you're in the uk, we would love to see you at our annual conference day, which is happening on Saturday 8th of November in Buckinghamshire. It's a great chance to connect with us, meet workers, hear their stories, and get equipped to reach out to your Muslim neighbours and friends.To register, go to our Events Page on the website.Support the show_________________________________________________________________________________Do get in touch if you have any questions for Matt or for any of his guests.matt@frontiers.org.ukYou can find out more about us by visiting www.frontiers.org.ukOr, if you're outside the UK, visit www.frontiers.org (then select from one of our national offices). For social media in the UK:Instagram: frontiers_ukAnd do check out the free and outstanding 6 week video course for churches and small groups, called MomentumYes:www.momentumyes.com (USA)www.momentumyes.org.uk (UK) _________________________________________________________________________________
Episode 28: Girls Gone BiAugust 2025‘Main Topic': We attempt to define the three (3) categories of ‘Bi' and clear up any confusion surrounding the different ‘Bi' terms used in conjunction Girl-Girl Action. The discussion includes Dee's own experiences and JR's extensive ‘observations!'‘What Have We Done Lately': An extended weekend trip to Sunny Rest Resort for the Regatta Event provided some memorable moments especially for one lucky lady and JR! Our Sexy August 9th House Party was beyond ‘Full Swing' with over 60 people in attendance while JR ‘Doubled Down'. Plus, several Bi women made the evening a Big Splash! Details on this are at the ‘tail end' of our Main Topic. ‘Where We Are Going Next': Friday August 29 we are hosting a Meet & Greet where my Pop/Rock Band will be performing again at Patrick's Pub, Lake Hopatcong NJ. September 5 & 6 is ShareNation Detention/White Party Weekend where we will be hosting the Couples Speed Dating and Sexy Pool Party. ‘Teddy-Love-Adult-Toys' will be onsite as well. Two friends' house parties should provide some interesting mid-month excitement and shenanigans. We close out September at Sunny Rest for their ‘Last Blast' weekend and Halloween Party (YES in September!) But we are not done, “Don't You Worry”! Oct 2-10 we will be in Cancun at Desire RM & Pearl. Oct 31-Nov 1 is the ShareNation Halloween Party so get your Tickets at LifestyleLynx.com. Nov 8-15 we are on the ‘Sold Out' Bliss Cruise. The 2026 February & April Cruises are sold out with November nearing capacity, so book our April 2027 Bliss Cruise group event with our Posse. Check our website LifestyleLynx.com Events Page 2, for Booking with a Special Perk while there are still good cabins available.For booking a Bliss Cruise, your next IPG and ShareNation Events, visit: https://lifestylelynx.com/events%2Ftrips%2FcruisesVisit us at https://www.LifestyleLynx.com for related Adult Events, Cruises, Resorts, Clubs, Parties, Swinger Websites and more...
Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society. Justin interviews Neil Colclough, RIMS Rocky Mountain Chapter President and 2025 RIMS Volunteer of the Year Award Winner, about his career path, how his Royal Marines service time helped steer his risk management path, and why he moved to Colorado. Neil tells of his years of experience in risk management, his risk philosophy, his DE&I philosophy, and how he feels about volunteerism. Listen to learn the benefits of making your risk management career more fulfilling through volunteering. Key Takeaways: [:01] About RIMS and RIMScast. RIMScast is a proud nominee of the 20th Annual People's Choice Podcast Awards. We are nominated in the category of Government and Organizations, and we would appreciate your support. Help us win that award at PodcastAwards.com. [:35] About this episode of RIMScast. Our guest today is the RIMS Volunteer of the Year Award winner, Neil Colclough. We will learn about his career and all the great work he has done for us at the RIMS Rocky Mountain Chapter. [1:05] RIMS-CRMP Workshops! The next Virtual RIMS-CRMP exam prep, co-hosted by Parima, will be held on September 2nd and 3rd. [1:17] The next RIMS-CRMP-FED virtual workshop will be led by Joseph Mayo on July 17th and 18th. Register by July 16th. Links to these courses can be found on the Certification Page of RIMS.org and through this episode's show notes. [1:34] RIMS Virtual Workshops! We have a day-long course on July 24th, “Risk Taxonomy for Effective Risk Management.” On August 5th, we have a day-long course about “Emerging Risks.” [1:47] We've launched a new course, “Intro to ERM for Senior Leaders.” This is a two-day course. The first two-day course will be held on August 12th and 13th and will be led by former RIMS President, Chris Mandel. [2:02] The course will be held again on November 4th and 5th and will be led by Elise Farnham. RIMS members enjoy deep discounts! [2:11] 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. [2:22] If you tuned in to the recent episode featuring James Lam, you will know he is hosting a new six-module workshop for us, the “RIMS-CRO Certificate in Advanced Enterprise Risk Management”. [2:36] The inaugural summer course is completely sold out! We are filled to the virtual capacity! Don't worry, in the Fall, the bi-weekly course will begin on October 9th. Registration closes on October 2nd. A link is in this episode's notes. Check it out and register today! [2:55] Mark your calendars for November 17th and 18th for the RIMS ERM Conference 2025 in Seattle, Washington. The agenda is being built. Soon, we will distribute a Call for Nominations for the ERM Award of Distinction. I'll update this episode's show notes when that link is ready. [3:19] Think about your organization's ERM program or one you know of, and how it has generated value. We will have more on that in the coming weeks. [3:27] RISKWORLD 2026 will be in Philadelphia, Pennsylvania, from May 3rd through May 6th. RIMS members can now lock in the 2025 rate for a full conference pass to RISKWORLD 2026 when registering by September 30th. [3:41] This also lets you enjoy earlier access to the RISKWORLD hotel block. Register by September 30th, and you will also be entered to win a $500 raffle. Don't miss out on this chance to plan and score some extra perks. [3:54] The members-only registration link is in this episode's show notes. If you are not yet a member, this is the time to register at RIMS.org/membership. [4:04] On with the show! Our guest today is Neil Colclough. He has been President of the RIMS Rocky Mountain Chapter since 2023. In 2025, he was named the Volunteer of the Year. A link to his profile in the Awards Edition of RIMS Risk Management magazine is in the show notes. [4:24] Justin is stoked that Neil is joining us on RIMScast to discuss his well-deserved recognition and why he shares it with many other members of the RIMS Rocky Mountain Chapter. [4:37] We're also going to learn about his military career and how that shaped his risk career and his enthusiasm for volunteerism. [4:45] Interview! Neil Colclough, welcome to RIMScast! [5:00] Neil is incredibly proud of the RIMS 2025 Volunteer of the Year Award. [5:16] Neil continues as the President of the RIMS Rocky Mountain Chapter until September. [5:39] Neil has been in Colorado for 27 years. He left behind family, friends, and a job he loved to move to the Colorado Rocky Mountains to take advantage of the lifestyle the area offers. He wanted to be a semi-ski bum. [6:25] Neil had to learn to ski in the military. He fell in love with the sport. He landed a job on Vail Mountain. He skied over 100 days a year for several years when he lived in Vail. [6:51] Neil is from Stoke-on-Trent, England. As a kid, he wanted to be a soldier. He joined the Royal Marines for six years and travelled the world. He saw communities outside of the resort areas. [8:10] Neil believes his risk management career grew out of his service. Public service is managing risk, considering what could go wrong at all times, and having a Plan B and C for those instances. It's also not being risk-averse. [8:33] His military service left him with the mindset that you can do anything, you just have to put the effort into doing it properly and give it your best shot. They all kept themselves incredibly fit. The risk of not being fit didn't just impact you; it impacted the guys you worked with. [9:17] Neil enjoyed the fitness routine in the military, going for morning runs with his closest friends. [9:34] If Neil hadn't moved to Colorado, he probably would have stayed home. He was focused on moving to the Rocky Mountains. He had been to the U.S. about 10 times before he moved. He moved in 1998. [11:11] Neil says he is of the generation who “fell into” the risk management industry, versus going to school for a risk management degree. He was dragged reluctantly into risk management. [11:28] Neil was asked four times to fill a new role in the corporate headquarters of Vail Resorts. He didn't want to leave Vail, but he liked the person hiring him, and the offer made sense, so he joined the corporate office and did not look back. RIMS membership came with that job. [11:58] At the time, Neil had no idea what RIMS was. He joined the Rocky Mountain Chapter in early 2008. He's been a member of the chapter since then. He attended programming and social events. He progressed in the chapter. [12:14] The operational experience he had gained in the military and from running the Security Team at Vail Mountain fed into the risk management function. It gives him a bit of a leg up when it comes to solving issues. His experience adds credibility with his internal clients today. [12:40] Neil's career has been a natural progression. He loves his job. He loves the people he does it for. It's like a hobby. He's genuinely interested in it. [13:00] Neil loves being in the RIMS Rocky Mountain Chapter as a whole. He joined the board in 2018 with Incoming President Peggy Miller and Past President Emily Bloedel. The board was a great group of people. They have great, respectful discussions. There's no negativity. [13:49] As long as Neil has been a member of the chapter, that has always been the case. He says the board feels proud to be part of the chapter and to have a positive impact. [14:09] Justin mentions that Emily Bloedel was a RIMS Rising Star recently. Peggy Miller is with Kroenke Sports & Entertainment. Justin met Peggy at the RIMS ERM Conference in Denver. Neil ran the DEI education session at ERM, and he did a great job. [14:52] Neil says Emily Buckley is also on the board. They have a great pipeline of leadership to look forward to, and the future is super bright. [14:58] Justin mentions there's a lot of talent in Colorado. Emily Buckley was a guest on RIMScast last year for Specialized Bicycles on bicycle safety. Justin says, if you're a risk professional looking for a place to move, start with Colorado and look up Neil! [15:33] DE&I is a passion for Neil. He's super connected to it. Justin and Neil discuss whether it's helpful to speak the words Diversity, Equity, & Inclusion for people who may be less committed. [16:53] You might lean on Inclusion a little more to help people understand that this is about making sure that everybody has the same opportunities. [17:22] Neil is the RIMS Volunteer of the Year. The award used to be called the Heart of RIMS Award, but was rebranded to be more specific. [17:57] Neil thinks that all RIMS chapters should have the succession of vice presidents and presidents built into their bylaws as the Rocky Mountain Chapter does. A lot of presidents have sat on boards for many years, and they struggle to recruit people to become board members. [18:22] Volunteerism takes effort. If you're taking an hour out of your day to do a podcast to talk about yourself, then you've got to make up that time somewhere else. If you're doing chapter work during business hours, you have to have an employer who supports what you're doing. [18:54] You have to have family behind you, that gets it. You can't just disregard your daily job duties in favor of volunteerism. [19:09] Neil says, encourage chances to have an intentional succession plan for chapter leadership. Encourage people early in their careers to serve on boards, become leaders of the chapter, and shape the future. [19:40] If you've just graduated from an RMI program and joined the workforce, you may not think you're qualified to lead on a chapter board. Neil says, we want to hear from the future of the industry so we who are in it can prioritize what is going to be meaningful after we've gone. [20:03] Reach out to younger people, let them know what a safe space it is, and give them the opportunity to serve. [20:12] RIMS Events! The 49th Annual Florida RIMS Educational Conference will be held again at the Ritz-Carlton in Naples, Florida, from July 29th through August 2nd. Visit Florida.RIMS.org for more information and to register. [20:30] The very first RIMS Texas Regional Conference will be held from August 4th through the 6th in San Antonio, Texas, at the Henry B. González Convention Center. Public Registration is open. The full conference agenda is now live. [20:46] Don't miss the post-conference workshop, the RIMS-CRMP Exam Prep Course, available on site. [20:52] This event is open to any RIMS Chapter member. If you are local to the area, you might consider becoming a RIMS member today so that you can get all the benefits and begin networking with your new RIMS Texas peers. Links are in this episode's show notes. [21:07] You can also visit the Events Page of RIMS.org for more information. We look forward to seeing you in Texas! [21:15] A month later, we will be up North for the RIMS Canada Conference 2025, from September 14th through the 17th in Calgary. Registration is open. Lock in those favorable rates; Visit RIMSCanadaConference.CA. We look forward to seeing you in Calgary! [21:34] On September 18th, the 10th Annual Chicagoland Risk Forum will be held at the Old Post Office in Chicago. Register at ChicagoRIMS.org. [21:44] Also on September 18th, the Spencer Educational Foundation will host the 2025 Funding Their Future Gala at the Cipriani 42nd Street. Visit SpencerEd.org. [21:57] On October 1st through the 3rd, the RIMS Western Regional Conference will be held in North San Jose at the Santa Clara Marriott. The agenda is live. It looks fantastic! Visit RIMSWesternRegional.com and register today. [22:12] Let's Return to My Interview with the RIMS 2025 Volunteer of the Year, Neil Colclough! [22:23] Neil joined Sage Hospitality Group in January 2025. He had spoken with his new boss about his role at the RIMS Rocky Mountain Chapter, and she was super supportive. [22:48] The whole company understands the importance of risk management. They see the value of having me remain involved with RIMS at the chapter and society level. It was an easy conversation to have. [23:18] Neil is over a total of seven people at Sage. He says this is rare except in well-established, large companies. This is Neil's first experience with anything that comes close to that. [23:56] Two of Neil's team have been with the company for over 30 years. Another has been with the company for 11 years. That speaks volumes to Neil about the company culture and the investment the company makes in risk management. It was a huge attraction to Neil. [24:18] Neil was previously with Inspirato, another hospitality group. It was high-end luxury travel where you would subscribe to a membership and get access to a portfolio of homes. One client was mad that they didn't inform them that it was hurricane season when they were traveling. [26:06] When Neil moved to Colorado, he went to a job fair for Vail Resorts in Denver. He was offered two jobs, one as a ski instructor and one with the Security Department, a seasonal job. [26:24] When Neil showed up for work on his first day of training for the Security Team, it was October 19, 1998, the day of the terrorist arson at the Two Elk Lodge, the largest act of eco-terrorism in North America at the time. [26:42] Neil's job went from being seasonal to year-round. The department grew. He was promoted a couple of times fairly quickly. He had never ridden a snowmobile, but they put him on it, and he rode 400 miles a week on a snowmobile. [27:12] With this experience, Neil understands the principles of emergency preparedness and response. He worked closely with the public sector in Vail and Eagle County. The local government and the ski resort have to work closely together to align in the same direction. [27:31] Neil says they did some good stuff over the years to mitigate potential risks. A wildland fire was a big concern. They did mass-casualty incident drills with Vail Ski Patrol and the town of Vail. [27:59] Neil lives east of Boulder. His office is in Denver. [28:34] Neil says the award is not just one person. It takes a village. It takes a lot of people who think like you and have the same heart to make good things happen. He's never volunteered at any event where he's walked away feeling down and thinking it was a waste of time. [29:00] A little can go a long way. If you're thinking about ways to volunteer in the risk and insurance industry, the local RIMS chapter is a great vehicle to do that. You can contact Neil, and he can introduce you to some people he has networked with around the country. [29:24] Volunteerism is so rewarding. It takes effort. You can't just go to meetings. You have to put pen to paper in between meetings to take action on what you say you're going to do. Neil battles constantly with the feeling that he's not fully delivering on what he should be. [29:45] You have to give yourself a little bit of grace when it comes to those times. People's capacity ebbs and flows. Surround yourself with people who can pick up the slack when you have to step into your day job a little bit more at certain times. [30:00] When you're juggling the balls, just don't drop the glass ones! Keep your responsibilities prioritized. [30:13] Neil talks of DE&I sponsorship, advocating for somebody who's not in the group. One way to do that is to ask if you can take a young professional along with you when you're invited somewhere as a risk professional. Request that someone be at a meeting who wasn't invited. [31:02] That can create opportunities and give that person experience. It's a simple act with a potentially massive impact. [31:15] Neil, it's been a real pleasure to speak with you again! I appreciate all your insight here. Congratulations again on being named the RIMS 2025 Volunteer of the Year. We've got a link for the RIMS Rocky Mountain Chapter in the notes. Locals, if you want to join, give Neil a shout! [31:37] Neil says, I'll get back to you eventually! There are about 200 professional members in the chapter through the Society, plus Chapter Associates and Student Members. There is a free membership for RIMS Affinity Partners, all of whom have been represented on RIMScast. [33:06] Justin mentions again the RIMS Western Regional Conference; register at RIMSWesternRegional.com. [33:17] Special thanks again to RIMS Rocky Mountain Chapter President and 2025 RIMS Volunteer of the Year Award Winner, Neil Colclough. We appreciate him making the time for us. A link to the special Awards Edition of RIMS Risk Management magazine is in the show notes. [33:35] Check out Neil's profile as well as the other 2025 RIMS Award Winners. A link to the RIMS Rocky Mountain Chapter site is in this episode's show notes. Check out all the great work they are doing. [33:48] 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. [34:16] 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. [34:35] 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. [34:52] 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. [35:08] 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. [35:23] Justin Smulison is the Business Content Manager at RIMS. You can email Justin at Content@RIMS.org. [35:30] Thank you all for your continued support and engagement on social media channels! We appreciate all your kind words. Listen every week! Stay safe! Links: 20th Annual People's Choice Podcast Awards! Vote for RIMScast (Gov't & Organizations)To vote for RIMScast, please sign up with your email, then select RIMScast on the pulldown under Government and Organizations. Thank you! RIMS Risk Management Magazine 2025 Awards Edition RIMS Texas Regional 2025 — August 3‒5 | Registration open. RIMS-CRMP In-Person Workshop in Texas Aug. 6 & 7 RIMS 2025 Florida Educational Conference | July 31‒Aug 2 | Registration open. RIMS Canada 2025 — Sept. 14‒17 | Registration open! 10th Annual Chicagoland Risk Forum — Sept. 18 | Registration open! RIMS Western Regional — Oct 1‒3 | Bay Area, California | Registration open! RISKWORLD 2026 — Members-only early registration! Register through Sept 30! RIMS-Certified Risk Management Professional (RIMS-CRMP) The Strategic and Enterprise Risk Center Spencer Educational Foundation 2025 Funding Their Future Gala — Sept. 18, 2025 in NYC! Spencer Education Foundation — General Grants 2026 — Application Deadline July 30, 2025 RIMS ERM Conference 2025 — Nov 17‒18 in Seattle! [Save the Date!] RIMS-CRO Certificate in Advanced Enterprise Risk Management — Featuring Instructor James Lam! Summer course sold out! | Next bi-weekly course begins Oct 9. RIMS Diversity Equity Inclusion Council RISK PAC | RIMS Advocacy | RIMS Legislative Summit SAVE THE DATE — March 18‒19, 2026 RIMS Risk Management magazine | Contribute RIMS Now RIMS Rocky Mountain Chapter RSVP for the RISK PAC Reception in Philadelphia | July 16, 2025 | Sofitel Philadelphia at Rittenhouse Square RIMS Webinars: RIMS.org/Webinars Upcoming RIMS-CRMP Prep Virtual Workshops: RIMS-CRMP-FED Exam Prep Virtual Workshop — July 17‒18 RIMS-CRMP Exam Prep Virtual Workshop — Sept 2‒3, 2025 | Presented by RIMS and PARIMA Full RIMS-CRMP Prep Course Schedule “Risk Taxonomy for Effective Risk Management” | July 24 | Instructor: Joe Mayo “Emerging Risks” | Aug 5 | Instructor: Joe Mayo “Intro to ERM for Senior Leaders” | Aug. 12‒13 | Instructor: Chris Mandel “Intro to ERM for Senior Leaders” | Nov. 4‒5 | Instructor: Elise Farnham See the full calendar of RIMS Virtual Workshops RIMS-CRMP Prep Workshops Related RIMScast Episodes: “Mid-Year Update: RIMS Legislative and Risk Management News” “RIMS 2025 Rising Star Megan Smalter: Giving Yourself Grace” “Live from RISKWORLD 2025” “RIMS 2025 Risk Manager of the Year, Jennifer Pack” “Julie Bean, 2024 Heart of RIMS Award Winner” Sponsored RIMScast Episodes: “The New Reality of Risk Engineering: From Code Compliance to Resilience” | Sponsored by AXA XL (New!) “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 “Risk Management in a Changing World: A Deep Dive into AXA's 2024 Future Risks Report” | Sponsored by AXA XL “How Insurance Builds Resilience Against An Active Assailant Attack” | Sponsored by Merrill Herzog “Third-Party and Cyber Risk Management Tips” | Sponsored by Alliant “RMIS Innovation with Archer” | Sponsored by Archer “Navigating Commercial Property Risks with Captives” | Sponsored by Zurich “Breaking Down Silos: AXA XL's New Approach to Casualty Insurance” | Sponsored by AXA XL “Weathering Today's Property Claims Management Challenges” | Sponsored by AXA XL “Storm Prep 2024: The Growing Impact of Convective Storms and Hail” | Sponsored by Global Risk Consultants, a TÜV SÜD Company “Partnering Against Cyberrisk” | Sponsored by AXA XL “Harnessing the Power of Data and Analytics for Effective Risk Management” | Sponsored by Marsh “Accident Prevention — The Winning Formula For Construction and Insurance” | Sponsored by Otoos “Platinum Protection: Underwriting and Risk Engineering's Role in Protecting Commercial Properties” | Sponsored by AXA XL “Elevating RMIS — The Archer Way” | Sponsored by Archer 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: Neil Colclough, Vice President of Risk, Compliance, and Audit, SAGE HOSPITALITY GROUP RIMS Rocky Mountain Chapter President Production and engineering provided by Podfly.
Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society. Justin interviews RIMS General Counsel and VP of External Affairs Mark Prysock about the RIMS Legislative Summit in March 2025, how it went, and what to expect next. Mark mentions the registrant participation records they set and the connections they made as they lobbied. As Mark exits, Morgan O'Rourke and Hilary Tuttle of RIMS Risk Management magazine enter the studio to talk with Justin about the mid-year in risk and four Q2 articles in RIMS Risk Management magazine on tariffs, the 2025 hurricane season, the USDA budget cuts and food safety, and minimizing risk while using AI for innovation. After lessons from the articles, Hilary invites listeners to submit risk management articles to RIMS Risk Management magazine. If you publish in the magazine, what opportunities will that open for you? Listen to learn more about the highlights of the first two quarters of 2025 and what to prepare for the rest of the year. Key Takeaways: [:01] About RIMS and RIMScast. [:17] About this episode of RIMScast. We've got three guests today. We'll get a RIMS legislative update from Mark Prysock, and we will look back at major risk management news from the first half of 2025 with Morgan O'Rourke and Hilary Tuttle of RIMS Risk Management magazine. [:48] RIMS-CRMP Workshops! The next Virtual RIMS-CRMP exam prep, co-hosted by Parima, will be held on September 2nd and 3rd. [:58] The next RIMS-CRMP-FED virtual workshop will be led by Joseph Mayo on July 17th and 18th. Register by July 16th. Links to these courses can be found on the Certification Page of RIMS.org and through this episode's show notes. [1:16] RIMS Virtual Workshops! We have a day-long course on July 24th, “Risk Taxonomy for Effective Risk Management.” On August 5th, we have a day-long course about “Emerging Risks.” RIMS members enjoy deep discounts! [1:31] 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. [1:42] If you tuned in to the recent episode featuring James Lam, you will know that he is hosting a new six-module workshop for us, the “RIMS-CRO Certificate in Advanced Enterprise Risk Management”. [1:56] The inaugural summer course is completely sold out! We are filled to the virtual capacity! Don't worry, in the Fall, the bi-weekly course will begin on October 9th. Registration closes on October 2nd. A link is in this episode's notes. Check it out and register today! [2:15] Mark your calendars for November 17th and 18th for the RIMS ERM Conference 2025 in Seattle, Washington. The agenda is being built. Soon, we will distribute a Call for Nominations for the ERM Award of Distinction. I'll update this episode's show notes when that link is ready. [2:38] Think about your organization's ERM program or one that you know of, and how it has generated value. We will have more on that in the coming weeks. [2:47] RISKWORLD 2026 will be in Philadelphia, Pennsylvania, from May 3rd through May 6th. RIMS members can now lock in the 2025 rate for a full conference pass to RISKWORLD 2026 when registering by September 30th. [3:01] This also lets you enjoy earlier access to the RISKWORLD hotel block. Register by September 30th, and you will also be entered to win a $500 raffle. Don't miss out on this chance to plan and score some extra perks. [3:14] The members-only registration link is in this episode's show notes. If you are not yet a member, this is the time to register at RIMS.org/membership. [3:24] On with the show! Mark Prysock is the RIMS General Counsel and VP of External Affairs. It's always wonderful to have him on the show. [3:32] He is here to remind us of the RIMS legislative priorities, how they were addressed during the RIMS Legislative Summit in March, and what else we can expect in the way of public policies that RIMS would like to prevent and those we'd like to support. [3:46] There are lots of links in this episode's notes, as well, including ones to RISK PAC and an upcoming fundraiser. Let's get to it! [3:54] Interview! Mark Prysock, welcome back to RIMScast! [4:14] RIMS's top legislative or advocacy priorities for 2025 include opposing legislation on taxing non-profit associations. RIMS is working with other associations on this. The tax would have a significant impact on RIMS. [5:26] Another issue is the Freedom to Invest in Tomorrow's Workforce Act, which would allow individuals to use college savings 529 plans to pay for certifications like the RIMS-CRMP. It's a very popular issue in the association community. [5:55] Third-party litigation funding has become a very big issue, followed by nuclear verdicts. What can we do to stop that? That's an issue that's been growing in both the House and the Senate. RIMS is working within a broad coalition to address that issue. [6:14] RIMS believes, at a bare minimum, there needs to be disclosures when third-party litigation funding agreements are in place so that everyone understands who stands to benefit from a nuclear verdict. It's not the plaintiff. [6:37] The last issue is the National Flood Insurance Program. [7:01] Mark and his team spent Day 1 of the RIMS Legislative Summit in March prepping the registrants so they understood the ins and outs of the issues. They all received one-page leave-behind documents to take to the Congressional offices. [7:18] Panellists had talked to them about the issues. The registrants were prepped to be lobbyists on these issues. [7:30] On Day 2, the registrants went to the Hill and lobbied on behalf of RIMS. [7:39] There were over 60 registrants this year. That was a RIMS Legislative Summit record. They had around 100 Congressional meetings, also a RIMS Legislative Summit record. [8:15] Mark says holding the event at the U.S. Chamber of Commerce building is fantastic. It's a classic D.C. building that everyone knows. It's fairly close to Capitol Hill. You can get all the speakers you want to come and meet with your group there. It's perfect for the Summit. [8:49] A couple of years ago was the first time the Summit met at the Chamber building. Going back this year confirmed that it's going to be the new location for the Summit. Mark says it was an enriching experience for the attendees. [9:33] The Summit lobbyists focus on committees in both the House and Senate with jurisdiction over insurance. [9:47] The House Financial Services Committee has a Subcommittee on Housing and Insurance. Most of the legislation the Summit is concerned about comes from the House. [10:04] That Subcommittee has a new Chair, Congressman Mike Flood from Nebraska. The Summit has made inroads with his office and with other offices, too. [10:28] The Summit's focus is on establishing relationships with newer Congressional offices that are in a position to impact RIMS's legislative priorities. [10:52] Mark says, typically when we meet with a Member of Congress, it might be that we're talking to them because they're well-situated to talk to us about NFIP. [11:02] On other issues, we don't know that they necessarily align with us, but we know that with what we're trying to accomplish with the NFIP, they are going to be a great ally. That's our foot in the door to discuss other legislative issues. [11:24] Marks says the Summit is looking to establish long-term relationships with Members of Congress and educate them on the importance of different issues. [11:58] The RIMS Public Policy Committee will continue hammering on these issues for the remainder of 2025 and into 2026. The tax issues are likely to be resolved in RIMS's favor in the Omnibus tax bill Congress is wrestling with now. [12:18] The One Big Beautiful Bill does not include language for imposing new taxes on non-profits, but it does include the language about liberalizing the use of College 529 plans, which RIMS supports. Mark thinks that it will be wrapped up soon. [12:39] NFIP has been reauthorized through September 30th, the end of the Federal Government's Fiscal Year. There is legislation out there to reauthorize it for a longer period. The RIMS Public Policy Committee is talking with Members of Congress about that. [12:57] Third-party litigation funding is an issue to keep working on for the next couple of years. [13:04] The RIMS Public Policy Committee will be working closely with the RISK PAC Trustees to figure out how they can help to raise more money for the PAC. They have some ideas for things to do at RISKWORLD 2026 in Philadelphia. [13:22] They have a fundraising event in Philadelphia in the middle of July. They'll be sending out Calendar invites to the RIMS membership. 2026 will be an election year, so they want to raise as much money as they can for RISK PAC and the right re-election campaigns. [14:02] At RIMS.org/advocacy, you can see that the RIMS Legislative Summit 2026 will be held from March 16th through 18th. Mark is more excited than ever for next year's Summit! It's an election year. They've got the details nailed down. They'll be at the U.S. Chamber of Commerce. [14:53] They will have a hotel block nailed down soon. They'll start promoting this event far in advance. Mark your calendars, please! As you build your chapters next year, please include some money to send your Advocacy Ambassador to the Legislative Summit 2026 in March. [15:20] We've got the link in this episode's show notes and at RIMS.org/advocacy. You can reach out to Mark Prysock directly through his email address on the RIMS Advocacy page. Write to him if you have questions about what it takes to get there or how you can contribute. [15:43] As Morgan O'Rourke and Hilary Tuttle walk into the studio, Justin thanks Mark Prysock for being on the show. [16:04] Plugs! The very first RIMS Texas Regional Conference will be held from August 4th through the 6th in San Antonio at the Henry B. González Convention Center. Public Registration is open. [16:17] Hotel cut-off for the discounted rate is available through July 7th. The full Conference Agenda is now live, so you can start planning your experience. Don't miss the post-conference workshop, the RIMS-CRMP Exam Prep Course, available onsite. [16:33] This event is open to any RIMS Chapter member. If you are local to the area, you might consider becoming a RIMS member today, so that you can get all the benefits and begin networking with your new RIMS Texas peers. Links are in this episode's show notes. [16:48] You can also visit the Events Page of RIMS.org for more information. We look forward to seeing you in Texas! [16:56] Just a month later, we will be up North for the RIMS Canada Conference 2025, from September 14th through 17th in Calgary. Registration is open. Visit RIMSCanadaConference.CA and lock in those favorable rates. We look forward to seeing you in Calgary! [17:15] On October 1st through the 3rd, the RIMS Western Regional Conference will be held in North San Jose at the Santa Clara Marriott. The agenda is live. It looks fantastic! Visit RIMSWesternRegional.com and register today. [17:31] Let's Get on with the Show! It is July 1st. We have reached the midpoint of 2025. On RIMScast, we like to take stock of the year in risk, so far. Morgan O'Rourke and Hilary Tuttle are going to break it all down for us. [17:54] Morgan O'Rourke is the RIMS Senior Director of Content and Publications. Hilary Tuttle is the Managing Editor of RIMS Risk Management magazine. That's our flagship, at RMmagazine.com. [18:07] We will look back on the Q2 digital issue of RIMS Risk Management magazine and discuss some of the news and trends that have been driving the risk profession. We'll talk about tariffs, AI, and more. Let's get to it! [18:23] Interview! Morgan O'Rourke and Hilary Tuttle, welcome back to RIMScast! [18:50] We are here to talk about the mid-point of 2025 in risk and what it has meant for the profession and the reporting on the profession. The Q2 digital issue of RIMS Risk Management magazine is now available. The link is on this page. [19:26] A big story from this quarter was tariff volatility. In April, Neil Hodge wrote a great article “How to Navigate the Volatile Tariff Landscape.” Many companies underestimate their exposure to tariffs through lower-tier suppliers. [20:06] Hilary says the number one tip is to map your exposure to tariffs via suppliers. Also, think about finished goods as well as what hypothetical future scenarios would mean. We've seen that tariffs are consistently volatile. Map different scenarios to see how they will play out. [20:43] In the article, Neil also mentions alternatives such as near-shoring, alternative suppliers, and technicalities about working within the system. Morgan mentions contract management. Another tip was tariff engineering by modifying your product design or where it's assembled. [21:35] Morgan shares an example. Converse All Stars have a layer of felt on the bottom, which classifies them as slippers, which have a lower tariff. They tweaked the product so it could be classified differently. Morgan just bought a new pair and saw the felt he had never noticed. [23:24] Morgan says certain auto imports may leave out features that would classify them as commercial vehicles, so they don't have a commercial vehicle duty. [24:08] Equipment that was bought before steel tariffs will be more expensive to repair after steel tariffs, and insurance that was in place before the tariffs may not cover the drastically more expensive repairs. This will affect heavy machinery. Revisit your insurance coverage. [25:06] Considering what major assets may be changing with tariff changes would be a helpful next step for people. Morgan refers to finding alternate suppliers or diversifying. If you're starting a new relationship with a supplier, tariffs need to be part of the contract conversation. [25:42] If tariffs are a risk you have not been accounting for in your supplier agreements, you may want to build more flexibility into future agreements. [26:03] Justin mentions the 2025 hurricane season and accurate weather reporting. That relates to supply chain. Hilary includes replacement values, as materials cost more. [26:33] Hilary wrote an article, “The 2025 Hurricane Season Outlook.” Hilary says it's interesting to tell similar stories every year in different ways. She looked at the outlook for this season and compared it to the results from last year. [27:35] She looked for the key trends that drove the results last year and that will impact this year. It's an outlook and also a strategic input. How does your organization need to adapt to this outlook? It's about seeing the overarching trends and figuring out how to act on them. [28:20] Hurricane Beryl came in the summer of 2024. It was one of the earliest major hurricanes to form. It reached Category 5 in 42 hours. What strategies should organizations take to address fast-developing storms? [28:43] Rapid intensification is a major trend with hurricanes. This is fueled by above-average ocean temperatures and other impacts of climate change. Storms are getting worse faster. The energy at the surface level contributes to faster-building hurricanes. Then there are trade winds. [29:09] It is a very big challenge for governments and private industry because you need to prepare much faster. You might only have a day of notice between a tropical storm and a Category 3 hurricane. [29:29] Preparedness is a state of being, not something you deal with if and when a storm arises. It needs to be a constant state of readiness. This year there have been significant budget cuts to NOAA and FEMA. This affects weather forecasting and the number of emergency staff. [30:22] Organizations need to understand that they need an increased amount of self-reliance. You cannot count on the cavalry coming. Preparedness means more than ever this year. [30:38] Morgan says it's less about coordinating with Federal agencies and more about making sure you have your ducks in a row. You may not have access to outside resources. You might be able to coordinate with other companies and organizations. Cooperation helps. [31:43] Hilary says, after last year, we saw with Hurricane Helene that some of these disasters are increasing and hitting in unpredictable areas that don't have the preparedness or the infrastructure because there is not a legacy sense of being at risk for hurricanes. [32:05] Preparedness is different in different regions. Taking an assessment, thinking about some of those scenarios is a strategic risk management issue that may need to shift in new ways. In some of those areas, you might not have local disaster resources because it has not been a risk. [32:38] Prepare by taking a realistic assessment of emergency resources on the ground, what has the historical risk been, and how that is shifting? [32:51] A Small 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. [33:10] Since 2010, Spencer has awarded over $3.3 million in General Grants to support over 130 student-centred experiential learning initiatives at universities and RMI non-profits. Spencer's 2026 application process is now open through July 30th, 2025. [33:30] General Grant awardees are typically notified at the end of October. The link is in this interview's show notes. Be sure to visit the programs page of SpencerEd.org. [33:40] The Spencer 2025 Funding their Future Gala will be held Thursday, September 18th at the Cipriani 42nd Street in Manhattan, New York. This year's honoree is Tim Ryan, the U.S. President of Lockton, and we hope to have him here on RIMScast this summer. A link is in the show notes. [34:03] Let's Return to the Conclusion of My Interview with Morgan O'Rourke and Hilary Tuttle of RIMS Risk Management magazine! [34:55] Jennifer Post, one of the editors, wrote an article, “USDA Budget Cuts Present Food Safety Risks.” Budget cuts may increase the likelihood of an outbreak of foodborne diseases and compromise the USDA's ability to respond and notify consumers of an outbreak. [36:28] Hilary notes recent outbreaks with cucumbers and tomatoes, which have been deadlier than one might expect. The cucumber recall was for cucumbers that had been sold six weeks before. Hilary has never had a cucumber for more than two weeks. [37:11] Shifting responsibility to under-resourced states creates uneven safety standards. Private companies will have to incur some of the costs of testing and monitoring their food. Who is responsible for coordinating food safety between states or countries is a question mark. [37:50] This is not a great solution. It's an area of uncertainty for now. It is likely to increase costs for individual companies. It also increases the risk exposure for companies that are distributing food that makes people sick, but they don't know it. [38:09] The number of people getting sick and the amount of money a company will lose balloon as a function of time and notice. There are a lot of components to this issue. [38:30] Hilary says we are also seeing some concern around whether some of the shifting standards are going to create different levels of safety in different types of products or from different regions. This shifts a lot of the burden onto the consumer and private companies. [38:42] Morgan adds that beyond the cuts to NOAA, FEMA, and the USDA, there are cuts to cybersecurity infrastructure with CISA. These cuts remove a level of oversight that people have come to rely on. The cuts push responsibility for risks further onto states and private industry. [39:26] Morgan says they were worried about the appetite for change in the government from the Trump administration. The administration is making changes. Some of the fallout is that it has changed the risk landscape regarding storm damage, food safety, cybersecurity, and more. [39:46] You may have to reassess your risks in the light of these cuts to Federal agencies. Hilary points out that the cuts are not fluff when you realize the functions these agencies have. [40:21] Hilary quotes a food safety professor from the article. “Oversight is not a bureaucratic formality; it's the invisible line between routine production and preventable tragedy.” Hilary thinks that quote applies across a number of the cuts that have been made. [40:39] The magazine has an article on AI called “Balancing Innovation and Compliance When Implementing AI.” Morgan reports that AI is all over the place now. The conversation has to involve implementation issues and liability risks. AI hallucinations and data security are issues. [42:03] You need to have a level of human intervention and involvement to be looking for things that you might have taken for granted are true, but that are problematic or make you liable for something. [42:17] Hilary says another big issue is that the technology is drastically outpacing regulation, safety measures, and best practices. You need to be asking, “What do we have a defensible business reason to do, and what are we putting in place to safeguard those?” [42:44] Some of the AI applications around hiring incur very real consequences in terms of human impact and regulatory impact. You may be dealing with serious employment fines or other things of that nature that regulators will catch up on. [43:06] AI systems are designed to please you. They are not designed to do the right thing or to make intelligent choices. They guide a user, and the user needs to guide them. Hilary compares using AI to riding an elephant. The elephant can go where it wants to go; you need to control it. [43:55] Hilary says that a lot of these AI engines perpetuate bias that the people who developed them may or may not have or may not realize that they have. A large company for a while only hired white men because those were the people who had been successfully hired in the past. [44:20] The content online that trains these models is the content that is published online. It requires a certain amount of privilege, experience, education, and life perspective. It doesn't draw on the body of human experience and knowledge for representative bodies. [44:49] You have to bring a certain diversity of experience, and also check those inputs with either people or other sources. Morgan talks about the feeling you might get that something like an email was written by an AI. The homogeneity starts to erode the quality of things. [45:27] Morgan has read that one of ChatGPT's quirks is that a lot of responses will have a “not this but that” structure. For instance, “It's not just soup, it's a meal!” Once you see it, you start to see it everywhere. Hilary says a giveaway is the use of inserted emojis. [46:32] Morgan and Hilary have been editing for quite a while. Morgan can identify who wrote a piece of writing by its style. If you get an email from someone with turns of phrase they would never use, you know it's AI. Losing track of what's going on is not to your advantage. [47:26] Having AI write an email is an example of something that just because you can do it, doesn't mean you should do it. Should you be working in an environment in which you don't know how to interact functionally with your coworkers, the length of an email? [48:13] Engineering prompts are one of the biggest skills people need to learn in working with AI. Prompt engineering is the most important component that Hilary had to struggle to learn in an AI course she took. It makes the biggest difference to AI being usable. Take a prompt class. [49:05] Justin shares an experience he had using AI to make an email response he had written much shorter and less defensive. It wasn't perfect, but it helped him to revise his message. [49:47] Hilary said that Justin gave a great example of prompt engineering. You want to tell it who the recipient is, who you are, and what your specific concern is to address. You can also ask it to explain the changes that it makes, so you learn how to write better emails next time. [50:43] Hilary urges caution on choosing the platform. ChatGPT is decent for writing because you can prime it. You can't prime Copilot, and she says a lot of the results are garbage. [51:46] The Q2 edition of RIMS Risk Management magazine is online. All the articles are on the site as links and as part of the digital edition. [51:56] A reminder to the audience: RIMS Risk Management magazine is always seeking contributors and contributions, primarily from the risk profession. The topics that are important to you are the topics that are important to your colleagues. Get your voices out there! [52:37] A good submission answers two questions: Why this? And why now? Why should other people care about this issue? New regulations? New fines? A recent court case? Is there a nuance you are highlighting? Another question is, so what? What do you do about it? [53:28] Justin offers, How will the audience be able to do their job better based on the information you're telling them? Morgan comments that the idea is risk management. You want to get to the management part of it so your organization can do something about it. [53:58] Go to RMMagazine.com and see the Contribute button at the top. That's where you'll find the editorial submission guidelines and the contact information for Morgan, Hilary, and Jennifer. They are open to your ideas, so by all means, reach out. You never know what it could lead to! [54:58] Hilary says they also welcome feedback on their existing coverage and the challenges you are seeing in the field. [55:27] Hilary and Morgan are going to rejoin us at the end of the year. We always close the year with an episode when they look back on the year and forward to the next. [56:01] Special thanks to my RIMS colleagues Mark Prysock, Morgan O'Rourke, and Hilary Tuttle for joining us here on RIMScast! Visit RIMS.org/advocacy to connect with Mark, and RMMagazine.com to connect with Morgan and Hilary, and get the latest risk news and insight. [56:23] Links are in this episode's show notes, including a link to the Contribute page on RMMagazine.com. [56:29] 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. [56:57] 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. [57:15] 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. [57:33] 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. [57:49] 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. [68:04] Justin Smulison is the Business Content Manager at RIMS. You can email Justin at Content@RIMS.org. [58:11] Thank you all for your continued support and engagement on social media channels! We appreciate all your kind words. Listen every week! Stay safe! Links: RIMS Texas Regional 2025 — August 3‒5 | Registration now open. RIMS-CRMP In-Person Workshop in Texas Aug. 6 & 7 RIMS Canada 2025 — Sept. 14‒17 | Registration now open! RIMS Western Regional — Oct 1‒3 | Bay Area, California | Registration now open! RISKWORLD 2026 — Members-only early registration! Register through Sept 30! RIMS-Certified Risk Management Professional (RIMS-CRMP) RISK PAC | RIMS Advocacy | RIMS Legislative Summit SAVE THE DATE — March 18‒19, 2026 RIMS Risk Management magazine | Contribute “How to Navigate Tariff Volatility” (April 3, 2025) “2025 Hurricane Season Outlook” (June 9, 2025) “USDA Budget Cuts Present Food Safety Risks” (May 21, 2025) “Balancing Innovation and Compliance When Implementing AI” (April 30, 2025) RIMS Now The Strategic and Enterprise Risk Center Spencer Education Foundation — General Grants 2026 — Application Deadline July 30, 2025 RIMS ERM Conference 2025 — Nov 17‒18 in Seattle! [Save the Date!] “RIMS-CRO Certificate in Advanced Enterprise Risk Management” — Featuring Instructor James Lam! Summer course sold out! | Fall bi-weekly course begins Oct 9. RIMS Diversity Equity Inclusion Council RIMS Webinars: RIMS.org/Webinars Upcoming RIMS-CRMP Prep Virtual Workshops: RIMS-CRMP-FED Exam Prep Virtual Workshop — July 17‒18 RIMS-CRMP Exam Prep Virtual Workshop — Sept 2‒3, 2025 | Presented by RIMS and PARIMA Full RIMS-CRMP Prep Course Schedule “Risk Taxonomy for Effective Risk Management” | July 24 | Instructor: Joe Mayo “Emerging Risks” | Aug 5 | Instructor: Joe Mayo See the full calendar of RIMS Virtual Workshops RIMS-CRMP Prep Workshops Related RIMScast Episodes: “James Lam on ERM, Strategy, and the Modern CRO” “RIMS Legislative Priorities in 2025 with Mark Prysock” “Q1 2025 Risks with Morgan O'Rourke” Sponsored RIMScast Episodes: “The New Reality of Risk Engineering: From Code Compliance to Resilience” | Sponsored by AXA XL (New!) “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 “Risk Management in a Changing World: A Deep Dive into AXA's 2024 Future Risks Report” | Sponsored by AXA XL “How Insurance Builds Resilience Against An Active Assailant Attack” | Sponsored by Merrill Herzog “Third-Party and Cyber Risk Management Tips” | Sponsored by Alliant “RMIS Innovation with Archer” | Sponsored by Archer “Navigating Commercial Property Risks with Captives” | Sponsored by Zurich “Breaking Down Silos: AXA XL's New Approach to Casualty Insurance” | Sponsored by AXA XL “Weathering Today's Property Claims Management Challenges” | Sponsored by AXA XL “Storm Prep 2024: The Growing Impact of Convective Storms and Hail” | Sponsored by Global Risk Consultants, a TÜV SÜD Company “Partnering Against Cyberrisk” | Sponsored by AXA XL “Harnessing the Power of Data and Analytics for Effective Risk Management” | Sponsored by Marsh “Accident Prevention — The Winning Formula For Construction and Insurance” | Sponsored by Otoos “Platinum Protection: Underwriting and Risk Engineering's Role in Protecting Commercial Properties” | Sponsored by AXA XL “Elevating RMIS — The Archer Way” | Sponsored by Archer 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: Mark Prysock, General Counsel at Risk and Insurance Management Society, Inc. (RIMS) Morgan O'Rourke, Director of Publications at RIMS Hilary Tuttle, Managing Editor of Risk Management Magazine Production and engineering provided by Podfly.
Episode 26: Teddy Love TalksJune 2025‘Main Topic': The ‘Teddy Love Adult Toys and Sensual Wear' couple is here to tell us all about their unique and stimulating products. We also drive into the depths of the content on their website in addition to the toys, jewelry, lingerie and other paraphernalia. Their products will be featured at the ShareNation event the weekend of September 5-6, 2025. Tickets for the event are available on our website… LifestyleLynx.com‘What Have We Done Lately': We had a House Party with over 50 people. Yes, we did, and it was a BLAST! A fabulous outdoor gig with my band on a summer stage with many Lifestyle friends in attendance. Followed by the Summer Solstice Orgy House Party. What happens at an Orgy stays at an Orgy! ‘Where We Are Going Next': Don't miss the upcoming ‘Intimate Parties Group' events in Rochester, NY on July 25 & July 26, then in Scranton, PA Sept 5-6, October 17-18 and October 24-25. Go to our website, LifestyleLynx.com, for all the details and links to the IPG parties. Come to the ShareNation event at Gunnison Beach, Sandy Hook NJ July 12 (no tickets required) and then the two-day hotel takeover on Sept 5-6 for the Friday Night Detention Party and Saturday Pool Party/White Party in Parsippany, NJ. AND, we are hosting the Pool Party & Speed Dating! Tickets for the two-day ShareNation event are available on our website LifestyleLynx.com. Two potential M&G events are… July 10 at ‘Tavern of the Green' in Morristown, NJ and July 19 at ‘Stone House', Stirling NJ, both with my band performing. An extended weekend trip to Sunny Rest Resort for the Regatta Event should provide some memorable moments! Our Sexy August 9th House Party will be in ‘Full Swing'! Then, another M&G at the “Morristown Jazz &Blues Festival” Aug 16 with my second band. PLUS, ‘Teddy-Love-Adult-Toys' will be onsite at the ShareNation September 5-6 two-day event. Go to our website Affiliate page to check out their products for a 20% discount while you purchase tickets to the event. BUT, best of all… you can join us for ‘LifestyleLynx Invades the Bliss Cruise', April 2027 with our Posse! Book on our website LifestyleLynx.com Events Page 2, for a Special Perk!! For the cruise plus booking your next IPG and ShareNation Events: Click this to: Events/Trips/CruisesVisit us at https://www.LifestyleLynx.com for related Adult Events, Cruises, Resorts, Clubs, Parties, Swinger Websites and more...
Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society. Justin interviews Kyle Leng, Senior Compliance Officer at Airtower Networks, about the risks associated with buildings that lack strong wireless connectivity. These issues involve cellular, Wi-Fi, and public safety distributed antenna systems for first responders. Justin and Kyle discuss physical risks, but mainly the communication risks of not being able to call 911 or firefighters or police officers unable to radio out of the building. The discussion turns to IoT, and Kyle shares some of his experiences in bringing apartment buildings up to date with Wi-Fi and IoT, including scheduled technology security updates. Kyle speaks of the need to update stone buildings that block signals internally and deal with high-rises that block you from connecting to your cell tower. Listen to learn more about updating wireless communication in your properties. Key Takeaways: [:01] About RIMS and RIMScast. [:17] About this episode of RIMScast. Our topic is emergency preparedness and wireless availability and capability, with Kyle Leng of Airtower. We've got some critical insights for anyone experiencing hurricane season. [:45] RIMS-CRMP Workshops! Register by July 1st for the next RIMS-CRMP Virtual Workshop, which will be co-led by Parima. That course will be held on July 8th and 9th. [1:02] The next RIMS-CRMP-FED virtual workshop will be led by Joseph Mayo on July 17th and 18th. Register by July 16th. Links to these courses can be found on the Certification Page of RIMS.org and through this episode's show notes. [1:20] RIMS Virtual Workshops! We have a day-long course on July 24th, “Risk Taxonomy for Effective Risk Management.” On August 5th, we have a day-long course about “Emerging Risks.” RIMS members enjoy deep discounts! [1:35] A link to 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. [1:46] If you tuned in to the recent episode featuring James Lam, you will know that he is hosting a new six-module workshop for us, the “RIMS-CRO Certificate in Advanced Enterprise Risk Management”. [1:59] The inaugural summer course is completely sold out! We are virtually filled to capacity! Don't worry, in the Fall, the bi-weekly course will begin on October 9th. Registration closes on October 2nd. A link is in this episode's notes. Check it out and register today! [2:19] Mark your calendars for November 17th and 18th for the RIMS ERM Conference 2025 in Seattle, Washington. The agenda is being built. Soon, we will distribute a Call for Nominations for the ERM Award of Distinction. I'll update this episode's show notes when that link is ready. [2:42] Think about your organization's ERM program or one that you know of, and how it has generated value. We will have more on that in the coming weeks. [2:50] On with the show! Our guest today is Kyle Leng, the Senior Compliance Officer at Airtower Networks. Airtower is a wireless infrastructure provider. [3:00] Kyle is here to discuss how risk managers can play a pivotal role in building and upgrading wireless connectivity for their buildings and organizations. [3:10] We're also going to talk about some of the legislation in the U.S. that could have a national impact on wireless capability and emergency preparedness. Let's get to it! [3:20] Interview! Kyle Leng, welcome to RIMScast! [3:32] Kyle is the Senior Compliance Officer at Airtower Networks. His primary focus is working with local governing bodies to install either public safety radio systems for first responders, cellular systems, or Wi-Fi enhancement systems. [3:50] Kyle makes sure Airtower Networks is evergreen on the local requirements and expectations, and the latest security protocols for those systems. [4:00] Kyle has been at Airtower coming up on a decade, and in the public safety sector for eight years. He is in high demand at Airtower, internally and externally. [4:17] The Airtower HQ is in D.C. There are also satellite offices. Kyle lives in Maryland. [4:40] If your building lacks wireless connectivity, firefighters can't communicate on your property. This is code-mandated, so your occupancy for your property is in jeopardy, along with the lives of your tenants. [5:00] There is a risk associated with a lack of cell phone coverage. No one should be in an emergency and not be able to dial 911. It's terrifying. It's also a huge liability exposure. [5:15] Another vulnerability for first responder radio systems is that codes, requirements, and technology are constantly in flux. This is also true of cellular enhancement systems. [5:31] The technology is updating and the requirements are changing, including Florida's SB 1190 and HB 1571, with retroactive enforcement for existing buildings. [5:52] Radio dead zones in apartment buildings are a major risk for first responders. Kyle uses an example of sister apartment buildings, with a fire spreading from one to the other, and the second building having no communication. [6:30] All these things are updating, evolving, and iterating. You might be looking at last year's requirements and be off base. [6:42] You may miss something valuable learned in the field through trial and error, that installing these systems or having certain security protocols makes a world of difference regarding the safety of the tenants and the first responders. [7:01] Kyle expects most of the U.S. will adopt legislation similar to Florida. Most of the country is watching Florida to see what works and what doesn't, planning to implement their own. [7:10] Retroactive enforcement, where older buildings are not grandfathered in, already exists in pockets around the country. [8:07] Existing building mandates have been in the International Fire Code and the NFPA codes, which govern first responder radio systems, for a decade. [8:39] Florida is the first U.S. local authority to publish bills around these codes, including a timeline with retroactivity. They are moving to make buildings safer. [8:52] Kyle explains why Airtower Networks is excited by Florida's move. Communities become safer, and local heroes are safer while they're rescuing people. It's a tough undertaking. It takes a lot of resources and knowledge. There will be hiccups, and people will learn as they go. [9:25] Plug Time! The very first RIMS Texas Regional Conference will be held from August 4th through the 6th in San Antonio at the Henry B. González Convention Center. Public Registration is open. [9:39] Hotel cut-off for the discounted rate is available through July 7th. The full Conference Agenda is now live, so you can start planning your experience. Don't miss the post-conference workshop, the RIMS-CRMP Exam Prep Course, available onsite. [9:55] This event is open to any RIMS Chapter member. If you are local to the area, you might consider becoming a RIMS member today, so that you can get all the benefits and begin networking with your new RIMS Texas peers. Links are in this episode's show notes. [10:10] You can also visit the Events Page of RIMS.org for more information. We look forward to seeing you in Texas! [10:18] Just a month later, we will be up North for the RIMS Canada Conference 2025, from September 14th through 17th in Calgary. Registration is open. Visit RIMSCanadaConference.CA and lock in those favourable rates. We look forward to seeing you in Calgary! [10:37] On October 1st through the 3rd, the RIMS Western Regional Conference will be held in North San Jose at the Santa Clara Marriott. The agenda is live. It looks fantastic! Visit RIMSWesternRegional.com and register today. [10:53] Let's Return to My Interview with Kyle Leng! [11:07] The bulk of Airtower Networks' active projects are at active construction sites. There is inherent danger there. The whole team undergoes stringent safety training. They maintain all the relevant certifications to keep the team safe. They review those with the team leads weekly. [11:34] There is risk involved with the systems. If you install a bad cellular system, instead of helping, you're making that property and the surrounding area significantly more dangerous. The same thing with the firefighter radio systems. Doing that wrong is worse than not doing it at all. [12:04] It's high stakes, high risk, and you want to have expertise, going into it, because you can make the property significantly less safe and more of a liability for all parties if you do it wrong. [12:24] Kyle points out that a bad network and an obsolete network are the same. Airtower Networks has been getting a lot of new opportunities for rip-and-replace contracts to remove obsolete or poorly designed systems and replace them expertly with the latest technology. [12:54] How quickly something goes obsolete varies depending on the technology. You'll get more lifetime from a cellular system than a first responder radio system. Wi-Fi needs to be constantly updated. You need to have the latest security protocols and the latest technology. [13:17] Kyle says a lot of the systems they rip and replace in the public safety sector are in the five-to-ten-year range. They're not ancient. Often, it was a low-budget installation. Airtower Networks believes you need to go into a project with the right attitude and perspective. [13:47] The risk professionals listening should check for is when they had their systems installed. If they're coming up on that 10-year mark, they may need to reassess them. [14:00] Kyle tells how he discusses it with stakeholders. Picture someone you care about in the stairwell of a building, something scary happens, and they can't call 911. Then, police officers show up, and their radios don't work. This is incredibly dangerous and a huge liability. [14:23] The various costs associated with upgrading those systems, getting them inspected, and having them be monitored, 24/7 to make sure there are no breaks in the coverage, are nothing compared to the risks and liability. The costs are 100% worth it, every time. [14:48] Public safety distributed antenna systems go by 17 different names across the country. They're radio systems inside your property with antennas in the ceiling. They increase the radio access for first responders in the building. Kyle's central focus is getting them into buildings. [15:50] Kyle speaks of an exciting season in his career. They turned a couple of sister apartment buildings in San Francisco into smart buildings. It was IoT everywhere. They learned a lot from working on those projects. [16:11] They worked with a software developer to build an app so that in every unit, tenants paid rent with their TV remotes and unlocked their doors with their phones. [16:29] In terms of security and risk management, they learned that a big part of these projects was keeping the networks segmented and isolated so no one had a backdoor to the Wi-Fi and keycard access. With IoT, you want the latest encryption and password security. [17:06] They learned you have to find great partners in the OEM space. You can find IoT components online, but are they safe? Find a partner that's invested long-term in their equipment, so when you install IoT devices, they will be guaranteed to be updated for years. [17:44] A Small 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. [18:04] Since 2010, Spencer has awarded over $3.3 million in General Grants to support over 130 student-centred experiential learning initiatives at universities and RMI non-profits. Spencer's 2026 application process is now open through July 30th, 2025. [18:24] General Grant awardees are typically notified at the end of October. [18:28] Spencer's Risk Manager on Campus Program offers grants of up to $5,000 to universities and colleges in the United States and Canada to host a practicing risk manager on their campus for a one-to-three-day residency. [18:41] The Risk Manager on Campus program has been praised by both universities and risk managers as a rewarding educational experience for students and a chance to give back to the profession. The application deadline for 2026 is June 30th, 2025. Check the link in the notes. [19:00] Visit SpencerEd.org for more information. [19:04] Let's Return to the Conclusion of My Interview with Kyle Leng! [19:22] Kyle always tries to exceed the code requirements and the local expectations for each building. There is also a project spec list, drafted by the property management, legal team, and insurance policyholders. [19:46] Kyle enjoys the conversation he has with the property stakeholders about the specifications. He enjoys getting to understand what their intentions are and seeing what he can learn from this type of property. [20:06] Kyle learns a lot through these conversations because the stakeholders are looking through a very different lens. Kyle's thinking about passing inspections, and that tenants can make 911 calls. [20:19] The stakeholders are considering every liability across the property and how to plug all the holes so that risk and liability are as limited as possible. Kyle finds there's almost always a win-win situation between the intentions and the happy outcome of a very safe building. [21:39] Kyle says government buildings in particular tend to have a lot of stonework, which essentially kills all RF signals; Wi-Fi, cellular, and public safety networks. In these government buildings, there is usually no coverage. There is no system to rip out and replace. [22:06] Healthcare tends to have an antiquated system. They had the funding to put in communication systems early on, which are now outdated. Airtower Networks has had some rip-and-replace in healthcare, but they focus on government facilities without coverage. [22:36] Kyle says local authorities tell him that when they go into the courthouse or city hall, they know they're not going to make a call or use a radio. That's terrifying. [22:57] Kyle says, in the industry, they refer to these government stone buildings as sort of Faraday cages. Cell service stops at the front door. There's no system in place to replace. [24:03] With the onset of the summer heat, fire risk increases. Storms and power outages are big risks in the summer. Summer is a big time for construction. If a high-rise building goes up between you and the cell tower, you lose coverage. You might need an amplification system. [25:09] If a high-rise with a leaky Wi-Fi system goes up next to your property, it could interfere with your IoT devices. There is an inherent risk for all radio coverage when a high-rise building goes up. You need to be prepared for it and have a watchful eye. Find out how to resolve risks. [26:24] Special thanks again to Kyle Leng for joining us here on RIMScast! Be sure to subscribe to RIMScast to catch every new episode as they are released on Tuesdays and the occasional Monday. [26:46] Next week, we have one of my favorite episodes of the year coming up. It's the Midyear in Risk Review with Morgan O'Rourke and Hilary Tuttle of RIMS Risk Management Magazine. They're going to tell us “what the heck is going on!” [27:01] 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. [27:29] 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. [27:47] 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. [28:05] 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. [28:22] 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. [28:36] Justin Smulison is the Business Content Manager at RIMS. You can email Justin at Content@RIMS.org. [28:43] Thank you all for your continued support and engagement on social media channels! We appreciate all your kind words. Listen every week! Stay safe! Links: RIMS Texas Regional 2025 — August 3‒5 | Registration now open. RIMS Canada 2025 — Sept. 14‒17 | Registration now open! RIMS Western Regional — Oct 1‒3 | Bay Area, California | Registration now open! RIMS-Certified Risk Management Professional (RIMS-CRMP) RISK PAC | RIMS Advocacy RIMS Risk Management magazine RIMS Now The Strategic and Enterprise Risk Center Spencer Education Foundation — General Grants 2026 — Application Deadline July 30, 2025 Spencer's Risk Manager on Campus — Application Deadline June 30, 2025 RIMS ERM Conference 2025 — Nov 17‒18 in Seattle! [Save the Date!] RIMS-CRO Certificate in Advanced Enterprise Risk Management — Featuring Instructor James Lam! Summer course sold out! | Fall bi-weekly course begins Oct 9. RIMS Diversity Equity Inclusion Council RIMS Webinars: RIMS.org/Webinars Upcoming RIMS-CRMP Prep Virtual Workshops: RIMS-CRMP Exam Prep Virtual Workshop — July 8‒9, 2025 | Presented by RIMS and PARIMA RIMS-CRMP-FED Exam Prep Virtual Workshop — July 17‒18 Full RIMS-CRMP Prep Course Schedule “Generative AI for Risk Management” | June 26 | Instructor: Pat Saporito “Risk Taxonomy for Effective Risk Management” | July 24 | Instructor: Joe Mayo “Emerging Risks” | Aug 5 | Instructor: Joe Mayo See the full calendar of RIMS Virtual Workshops RIMS-CRMP Prep Workshops Related RIMScast Episodes: “James Lam on ERM, Strategy, and the Modern CRO” “Company Safety and RIMS Chapter Leadership with Tamieka Weeks” “Security Risks with William Sako” “Wildfire Risks with Kevin Stein” “Safety and Preparedness in 2024 with National Safety Council CEO Lorraine Martin” Sponsored RIMScast Episodes: “The New Reality of Risk Engineering: From Code Compliance to Resilience” | Sponsored by AXA XL (New!) “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 “Risk Management in a Changing World: A Deep Dive into AXA's 2024 Future Risks Report” | Sponsored by AXA XL “How Insurance Builds Resilience Against An Active Assailant Attack” | Sponsored by Merrill Herzog “Third-Party and Cyber Risk Management Tips” | Sponsored by Alliant “RMIS Innovation with Archer” | Sponsored by Archer “Navigating Commercial Property Risks with Captives” | Sponsored by Zurich “Breaking Down Silos: AXA XL's New Approach to Casualty Insurance” | Sponsored by AXA XL “Weathering Today's Property Claims Management Challenges” | Sponsored by AXA XL “Storm Prep 2024: The Growing Impact of Convective Storms and Hail” | Sponsored by Global Risk Consultants, a TÜV SÜD Company “Partnering Against Cyberrisk” | Sponsored by AXA XL “Harnessing the Power of Data and Analytics for Effective Risk Management” | Sponsored by Marsh “Accident Prevention — The Winning Formula For Construction and Insurance” | Sponsored by Otoos “Platinum Protection: Underwriting and Risk Engineering's Role in Protecting Commercial Properties” | Sponsored by AXA XL “Elevating RMIS — The Archer Way” | Sponsored by Archer 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: Kyle Leng, Senior Compliance Officer at Airtower Networks Production and engineering provided by Podfly.
Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society. Justin interviews Chris Reilly about his insurance career and how you came to join and lead Link USA. They also cover RISKWORLD 2025 and the DE&I Studio, where Chris was on a panel. Chris talks about how he volunteered for the DE&I initiative at Amwins and how it has grown over the years. Chris does not believe the current anti-DE&I rhetoric will continue for long, in light of the existing Title VII and EEOC protecting employees and applicants against employment discrimination. Chris believes organizations know what is right, and that they will do better with a strong DE&I program in place, reducing reliance on EPLI coverage. The conversation concludes with information about Link USA's upcoming events. Listen to learn more about supporting Diversity, Equity, & Inclusion efforts in your organization. Key Takeaways: [:01] About RIMS and RIMScast. [:17] About this episode of RIMScast. Our topic is inclusivity in risk management and we will be joined by Chris Reilly, the National Co-Chair of Link USA, and Senior Vice President and National Practice Leader at Amwins Group Benefits. [:45] RIMS-CRMP Workshops! Register by July 1st for the next RIMS-CRMP Virtual Workshop, which will be co-led by Parima. That course will be held on July 8th and 9th. [1:02] The next RIMS-CRMP-FED virtual workshop will be led by Joseph Mayo on July 17th and 18th. Register by July 16th. Links to these courses can be found on the Certification Page of RIMS.org and through this episode's show notes. [1:20] RIMS Virtual Workshops! On June 26th. Pat Saporito will return to present the very popular new course, “Generative AI for Risk Management”. [1:32] A link to 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. [1:43] Starting on July 16th, James Lam will host a six-module course, the RIMS-CRO Certificate in Advanced Enterprise Risk Management. This is a bi-weekly course that will run through Wednesday, September 24th. A link to last week's episode about it is in this episode's notes. [2:04] Registration closes on July 9th. A link is in this episode's notes. [2:09] Mark your calendars for November 17th and 18th for the RIMS ERM Conference 2025 in Seattle, Washington. The agenda is being built. Soon, we will distribute a Call for Nominations for the ERM Award of Distinction. I'll update this episode's show notes when that link is ready. [2:32] Think about your organization's ERM program or one that you know of, and how it has generated value. We will have more on that in the coming weeks. [2:40] On with the show! It's June 2025. It is Pride Month and RIMScast and RIMS are dedicated to fostering an environment where individuals from all backgrounds feel valued, respected, and empowered. We'll dive into the real meanings of words and initiatives; words like inclusivity. [3:01] Joining me today to delve into those terms is Chris Reilly, the National Co-Chair of Link USA. Link is the LGBTQ+ Insurance Network. Chris is also the Senior Vice President and National Practice Leader at Amwins's Group Benefits. [3:17] We will discuss the state of diversity, equity, and inclusion in insurance and risk management, how the pendulum has swung, and what risk professionals and employers need to know about a landscape that may or may not be changing as much as you think. [3:35] Interview! Chris Reilly, welcome to RIMScast! [3:42] It's Pride Month. For Chris, it's a great time to be celebrating oneself and celebrating with the community. He says there's no reason not to celebrate 12 months of the year. [4:14] Chris Reilly has had a 30-plus-year insurance career. His dad and grandfather had an agency. His father offered him a job right out of college. Chris thought he'd step up in a year or two, but he's still doing it 30-plus years later. It's a great career. He loves the industry. [4:47] The first part of Chris's years he spent in the Property and Casualty world as a commercial broker, most of those years with Aon. He jumped to the wholesale side when he joined Amwins in 2000. [5:05] Chris is on the employee benefits side, providing group benefit programs to companies through broker partners. [5:13] About five or six years ago, Amwins created internal DEI programs. Chris immediately volunteered to join the National Council at Amwins to participate in and help build those programs. He worked on a committee centered on making the workplace intentionally inclusive. [5:54] Chris served on that committee for two years. In the process, he came across Link, which was in the UK. Chris and a colleague convinced Link to bring it to the U.S., which they did in 2021. Four years later, Link has expanded into Los Angeles, Chicago, New York City, and Atlanta. [6:18] Link restructured this year with a national board for a national presence. Link kicked off Pride Month with a national virtual event. It had a great turnout. Chris is excited to continue to lead Link and help support the LGBTQ+ community and its allies in the insurance industry. [7:04] Chris notes that the insurance industry is still known to be a very conservative industry but from 30 years ago to today, there has been a big difference in inclusivity. There's constant evolution and change. We can always continue to do things better. [7:23] Chis says everybody is striving to do things better. That's why Diversity, Equity, and Inclusion programs became so important for all industries. Justin says that saying the words Diversity, Equity, and Inclusion instead of DEI provokes thought about their meaning and impact. [8:21] Chris agrees; when we say with intention, Diversity, Equity, and Inclusion with intention, it's just better. Don't we all want to be included? Inclusion is an endearing word. Let's all come to the table. We need to be more intentional about the words. [9:19] Chris Reilly attended RISKWORLD 2025 for the first time and was at the DE&I Studio. There were speakers and panels. Chris represented Link USA to talk about who they are, what they do, and their mission for the LGBTQ+ community in the insurance industry. [10:21] Chris served on a panel where Link, the National African American Insurance Association, the Asian American Insurance Network, the Latin American Insurance Agency Networks, and the Association of Professional Insurance Women were represented. [10:43] The organizations work to make sure the insurance industry continues to be a diverse, inclusive, and equitable industry. They support each other and continue to press the message of Diversity, Equity, and Inclusion. They raise their voices for the common good of every employee. [11:17] Leaders from all of those organizations have been guests on RIMScast, with Chris Reilly and Link being the fifth organization represented. If more organizations are created, Justin will include them on the show. [11:37] Chris brings decades of experience in the trenches to his role on Link. [12:02] Justin says we're hearing a lot of anti-DEI rhetoric. Chris says a lot of it is noise. People are throwing things against the wall to see what sticks. In most C-Suites, smart leaders seek legal advice. If they haven't been doing anything illegal, there isn't much they need to change. [13:01] Companies that feed into the noise end up hurting their employees which can hurt their bottom line in the long term. [13:27] Companies need to cut through the noise and make sure that they know what's true and what's not true. They need to focus on continuing to do what they've been doing that has been working. [13:55] Chris thinks that a company scaling back its DEI initiative hurts its reputation. When they scale back, the employees feel it first. If employees don't feel good in the workplace about the culture that has been developed for employees, that impacts the work and the output. [14:34] Eventually, that can hit outside the walls of the insurance company. Insurance isn't a direct-to-consumer product so this industry doesn't get impacted in quite the same way as a retail store. [15:06] Plug Time! The very first RIMS Texas Regional Conference will be held from August 4th through the 6th in San Antonio at the Henry B. González Convention Center. Public Registration is open. [15:17] Hotel cut-off for the discounted rate is available through July 7th. The full Conference Agenda is now live, so you can start planning your experience. Don't miss the post-conference workshop, the RIMS-CRMP Exam Prep Course, available onsite. [15:33] This event is open to any RIMS Chapter member. If you are local to the area, you might consider becoming a RIMS member today, so that you can get all the benefits and begin networking with your new RIMS Texas peers. Links are in this episode's show notes. [15:48] You can also visit the Events Page of RIMS.org for more information. We look forward to seeing you in Texas! [15:56] Just a month later, we will be up North for the RIMS Canada Conference 2025, from September 14th through 17th in Calgary. Registration is open. Visit RIMSCanadaConference.CA and lock in favorable rates. We look forward to seeing you in Calgary! [16:15] On October 1st through the 3rd, the RIMS Western Regional Conference will be held in North San Jose at the Santa Clara Marriott. The agenda is live. It looks fantastic! Visit RIMSWesternRegional.com and register today. [16:31] Let's Return to Our Interview with Chris Reilly of Link! [16:50] There's no such thing as illegal DE&I! There is no legal framework about whether a company does DE&I or not. Companies decided that having a more diverse, equitable, and inclusive workforce was good for business. [17:30] There have been studies that show that when a company has a strong DE&I policy, it outperforms its competitors that don't by nearly 20%. Teams that are more diverse and inclusive outperform homogeneous groups by nearly 80%. [17:57] When you have a diversity of people; when you include people of different backgrounds in thought and education, you get more diverse thoughts and you can create better outcomes as a result. [18:15] This concept of illegal DE&I is thrown up there to create confusion and get people worrying about what they're doing. [18:51] Employment Practices Liability Insurance (EPLI) is what companies would buy if they have a sexual harassment suit, a discrimination suit, or a wrongful termination suit. Employers take this coverage to protect themselves from that. [19:25] Whether they have EPLI coverage or not, before the term “illegal DE&I,” nobody was concerned about it. They all felt that they had the proper policies and best practices in place to prevent employment practices claims. [19:43] If there were this rash of claims suddenly happening, maybe it's not “illegal DE&I” but you're not doing it right. Fix the problem so that it doesn't become an issue. [19:59] What companies are seeing is that their policies and best practices have been working, so there's not a problem. If companies start believing that they shouldn't have DE&I programs, that will embolden individuals to be bigots, racists, harassers, and bullies at work. [20:25] If that happens, you will get employment practices claims. [20:30] Justin feels that we are seeing uninclusive and bullying expressions more now on social media than when he was hired at RIMS eight years ago. [20:36] Chris thinks that the world has changed and the narrative has changed and people feel like they're emboldened to bring out those negative personality traits in themselves for some reason. [20:50] Chris recently talked to a company where the CEO addressed the employees, to tell them that bigotry, harassment, and hatred have no place, and will have no place in the company. [21:16] He told them the company was built with a culture that respects everybody, that is about fairness and integrity, working together, and creating inclusive and collaborative teams, to create the best outcomes they can for the company and its consumers. [21:32] He said they are going to keep doing what they're doing because everything's going just fine. He said if we start trying to tinker with the DE&I programs, that will inevitably create problems and deteriorate the great work that you have been doing. [21:53] What's the ROI on DE&I? It's hard to quantify. When your employees are happy, they're doing good work, they're being productive, and the company is successful, that comes in part from the investment of time, energy, and money put into Diversity, Equity, & Inclusion programs. [22:08] You can try to tie ROI to some of the Diversity, Equity, and Inclusion programs when you talk about EPLI, Directors & Officers, and E&O insurance. If you don't have good practices, what you will have is employment practices liability claims around discrimination and harassment. [23:01] HR will have to deal with the HR issues of employees, potentially defending a lawsuit. If they don't have these coverages in place, those defence costs can get expensive. You might have to settle a suit, which can cost more money. It's a ripple effect. [23:27] With more claims, the premiums of these policies will go up. So, if you're not following best practices and have to start paying out claims and higher premiums to defend yourself against these claims, those are financial factors to consider in the ROI of doing the right thing. [23:51] Plug Time! Let me tell you about the Spencer Educational Foundation. Spencer'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. [24:31] Since 2010, Spencer has awarded over $3.3 million in General Grants to support over 130 student-centred experiential learning initiatives at universities and RMI non-profits. Spencer's 2026 application process is now open through July 30th, 2025. [24:31] General Grant awardees are typically notified at the end of October. [24:35] Spencer's Risk Manager on Campus Program offers grants of up to $5,000 to universities and colleges in the United States and Canada to host a practicing risk manager on their campus for a one-to-three-day residency. [24:49] The Risk Manager on Campus program has been praised by both universities and risk managers as a rewarding educational experience for students and a chance to give back to the profession. The application deadline for 2026 is June 30th, 2025. Check the link in the notes. [25:08] Visit SpencerEd.org for more information. [25:12] Let's Return to the Conclusion of My Interview with Chris Reilly! [25:34] The pendulum has swung one way. Chris thinks that it will swing back as smarter and calmer minds prevail, in the end. Organization leaders know what's right and wrong. Once the noise calms down, people will realize that we already have things in place to protect everybody. [26:14] We already have Title VII and the EEOC in place. I have told people that with all that's being said, no laws have changed. Title VII is in place and the EEOC is still there to enforce it. If there were crazy problems with this, Title VII and the EEOC would already be addressing it. [26:44] Chris believes the pendulum will swing back to the center sooner rather than later. Executive orders and attempting to change laws are not going to sit well. There are already protections in place to prohibit employment discrimination. [27:13] Chris is the National Chair of Link USA. A couple of days after this episode, there will be the New York City Link-Up Networking Happy Hour, Pride Edition. That's going to be in Manhattan on the Avenue. [27:33] On June 26th, in Los Angeles, there will be a Pride Movie Night and Networking Mixer at the Alamo Drafthouse Cinema. Chris says these events are always fun. Link tries to create personal connections between the LGBTQ+ Community and its allies. [28:04] We're all doing the same thing, feeling the same pressures, working in the insurance industry, and wanting connection. Some people work at companies that may not have anybody else like them in their firm. They're looking for connections within the LGBTQ+ community. [28:28] Link is heavily supported by its allies. They couldn't fight the fight without the allies. The events are about bringing people together in a fun way and ultimately, networking in the industry. People connect and build business relationships and develop businesses, as well. [28:55] We've got a link to Link in this episode's notes. [28:58] Chris, it's been a real pleasure to speak with you. I'm glad we're having this dialogue. I hope to see you at RISKWORLD 2026 and the Diversity, Equity, & Inclusion Studio. [29:21] Special thanks again to Chris Reilly of Link, the LGBTQ+ Insurance Network. Links to the events that we mentioned and to Link's website are in this episode's show notes. [29:34] RIMS has a Diversity, Equity, & Inclusion Council and page. You can visit it on RIMS.org, through the Community section, and the link in this episode's show notes. [29:49] 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. [30:17] 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. [30:35] 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. [30:53] 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. [31:09] 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. [31:23] Justin Smulison is the Business Content Manager at RIMS. You can email Justin at Content@RIMS.org. [31:31] Thank you all for your continued support and engagement on social media channels! We appreciate all your kind words. Listen every week! Stay safe! Links: RIMS Diversity Equity Inclusion Council Link (LGBTQ+ Insurance Network) Link USA Events in New York City and Los Angeles RIMS Texas Regional 2025 — August 3‒5 | Registration now open. RIMS Canada 2025 — Sept. 14‒17 | Registration now open! RIMS Western Regional — Oct 1‒3 | Bay Area, California | Registration now open! RIMS-Certified Risk Management Professional (RIMS-CRMP) RISK PAC | RIMS Advocacy RIMS Risk Management magazine RIMS Now The Strategic and Enterprise Risk Center Spencer Education Foundation — General Grants 2026 — Application Deadline July 30, 2025 Spencer's Risk Manager on Campus — Application Deadline June 30, 2025 RIMS ERM Conference 2025 — Nov 17‒18 in Seattle! [Save the Date!] RIMS-CRO Certificate in Advanced Enterprise Risk Management — Featuring Instructor James Lam! Register by July 7. | Bi-weekly course begins July 16. RIMS Webinars: RIMS.org/Webinars Upcoming RIMS-CRMP Prep Virtual Workshops: RIMS-CRMP Exam Prep Virtual Workshop — July 8‒9, 2025 | Presented by RIMS and PARIMA RIMS-CRMP-FED Exam Prep Virtual Workshop — July 17‒18 Full RIMS-CRMP Prep Course Schedule “Generative AI for Risk Management” | June 26 | Instructor: Pat Saporito See the full calendar of RIMS Virtual Workshops RIMS-CRMP Prep Workshops Related RIMScast Episodes: “James Lam on ERM, Strategy, and the Modern CRO” “Live from RISKWORLD 2025” “Thoughts and IDEAs on Inclusivity with Michael Bach” “The Strengths of DE&I Initiatives with Lilian Vanvieldt-Gray of Alliant Insurance Services” “LAAIA Atlanta Chapter President Jose Aponte” “Equality and the Risk Profession with Elisa Stampf” Sponsored RIMScast Episodes: “The New Reality of Risk Engineering: From Code Compliance to Resilience” | Sponsored by AXA XL (New!) “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 “Risk Management in a Changing World: A Deep Dive into AXA's 2024 Future Risks Report” | Sponsored by AXA XL “How Insurance Builds Resilience Against An Active Assailant Attack” | Sponsored by Merrill Herzog “Third-Party and Cyber Risk Management Tips” | Sponsored by Alliant “RMIS Innovation with Archer” | Sponsored by Archer “Navigating Commercial Property Risks with Captives” | Sponsored by Zurich “Breaking Down Silos: AXA XL's New Approach to Casualty Insurance” | Sponsored by AXA XL “Weathering Today's Property Claims Management Challenges” | Sponsored by AXA XL “Storm Prep 2024: The Growing Impact of Convective Storms and Hail” | Sponsored by Global Risk Consultants, a TÜV SÜD Company “Partnering Against Cyberrisk” | Sponsored by AXA XL “Harnessing the Power of Data and Analytics for Effective Risk Management” | Sponsored by Marsh “Accident Prevention — The Winning Formula For Construction and Insurance” | Sponsored by Otoos “Platinum Protection: Underwriting and Risk Engineering's Role in Protecting Commercial Properties” | Sponsored by AXA XL “Elevating RMIS — The Archer Way” | Sponsored by Archer 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: Chris Reilly, National Co-Chair of Link USA | LGBTQ+ Insurance Network, Senior Vice President and National Practice Leader at Amwins Group Benefits Production and engineering provided by Podfly.
Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society. Justin interviews James Lam about the evolving role of the CRO since the pandemic, vital competencies for today's CROs, risk appetite frameworks, and a case study of E*Trade and how they succeeded with a strong risk appetite framework. They continue the discussion with an examination of James's upcoming six-module virtual course, the RIMS-CRO Certificate in Advanced Enterprise Risk Management. James concludes with his vision of the future of ERM using AI as an enabling tool. Listen to learn more about successful strategies CROs can apply to their ERM programs. Key Takeaways: [:01] About RIMS and RIMScast. [:17] About this episode of RIMScast. Our guest is one of the great thought leaders in risk management, James Lam. He returns to RIMScast today to talk about ERM and a new bi-weekly virtual course he'll be teaching for RIMS that begins in July. [:48] RIMS-CRMP Workshops! Register by July 1st for the next RIMS-CRMP Virtual Workshop, which will be co-led by Parima. That course will be held on July 8th and 9th. [1:04] The next RIMS-CRMP-FED virtual workshop will be led by Joseph Mayo on July 17th and 18th. Register by July 16th. Links to these courses can be found on the Certification Page of RIMS.org and through this episode's show notes. [1:23] RIMS Webinars! The next RIMS Webinar will be held on June 17th. It will be presented by Origami Risk. It's titled “Strategic Risk Financing in an Unstable Economy: Leveraging Technology for Efficiency and Cost Reduction”. Register today through RIMS.org/Webinars [1:43] RIMS Virtual Workshops! On June 12th, Pat Saporito will host “Managing Data for ERM”, and she will return on June 26th to present the very popular new course, “Generative AI for Risk Management”. [2:00] A link to 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 show notes. [2:12] Mark your calendars for November 17th and 18th for the RIMS ERM Conference 2025 in Seattle, Washington. The agenda is being built. Soon, we will distribute a Call for Nominations for the ERM Award of Distinction. I'll update this episode's show notes when that link is ready. [2:35] Think about your organization's ERM program or one that you know of, and how it has generated value. We will have more on that in the coming weeks. [2:43] On with the show! Our guest today is a risk management trailblazer who is widely considered the world's first Chief Risk Officer. I'm talking about James Lam. [2:54] Starting on July 16th, James will host a six-module course for RIMS, The RIMS-CRO Certificate in Advanced Enterprise Risk Management. It's a bi-weekly course that will run through Wednesday, September 24th. Registration closes on July 9th. [3:14] James is here to discuss and share his ERM philosophies, how the practice has changed in the past five years since he was last on the show, and to give us a preview of what the upcoming course will be like and how it could boost your risk career. [3:31] Interview! James Lam, welcome back to RIMScast! [3:37] James was a guest on RIMScast in the Fall of 2020. We've gone through a lot in the last five years! We've lived through a pandemic, and companies realized the importance of operational resilience and strategic risk management. [4:14] James says today we are facing unprecedented geopolitical risk. We are also facing AI risks and opportunities. Some Chief Risk Officers have stayed relevant and elevated their careers and skills, while others have failed in their organization's ERM programs. [5:01] James tells what may cause a CRO to fail. Applying a “check the box” approach or a compliance approach, without staying relevant with the evolving risk landscape. [5:29] Speaking of successful CROs, James said one CRO he worked with went from being a treasurer reporting to the CFO, to becoming the CRO, then the CFO, and eventually the CEO, all within eight years. [5:58] He and other successful CROs had learned how to add strategic value and be relevant to key decision-makers at the board level and the executive level. [6:15] A key competence is applying risk analytics to quantify and minimize unexpected earnings, helping companies maintain sustainable, predictable profitability. [6:40] Then, evolving that to understanding capital management to optimize capital allocation, dividend policies, and risk transfer strategies, ultimately, applying the same risk analytics to support corporate and business decisions. [7:05] Being able to add strategic value is the most important competence for a Chief Risk Officer today. [7:26] Management and corporate directors are concerned about the unexpected. As CROs, how do we connect our work with things that are the most meaningful to the decision-makers and key internal stakeholders? All boards, CEOs, and CFOs are concerned about earnings. [7:53] Unexpected earnings variance and guidance are things that they are concerned about. CROs can help them with predictable profitability, long-term capital management, and value creation. [8:10] How does a CRO support the leaders' decision-making at the corporate level, where there's M&A or new products, and at the business level, in terms of risk-based pricing and risk transfer decisions? [8:43] James thinks the risk appetite framework is one of the most important processes and capabilities for advanced enterprise risk management. [9:01] Frameworks that don't do well tend to be mostly or entirely qualitative. They tend to be static, maybe updated once a year, with very little change. [9:15] The frameworks that are more strategic and add more value to companies tend to be a combination of quantitative and qualitative. [9:42] Successful risk appetite frameworks also consider risk capacity in terms of capital resources, earnings, and liquidity, relative to our risk management capability and track record. [10:01] Successful risk appetite frameworks look at opportunities. What is the opportunity for profitability, growth, and innovation, relative to risk? If the opportunity is high, then we should be willing to take on more risk. [10:19] Successful risk appetite frameworks tend to be more dynamic in a way that allows the company to reduce risk when it is appropriate but also to take more risk when it is appropriate. [10:31] James says a good risk appetite framework would guide organizations to take more risk, on a selective basis. [10:57] James uses E*Trade as a case study. James was on the board of E*Trade and chaired its risk committee. This case study is in the RIMS CRO Certificate Program in Advanced Enterprise Risk Management. [11:28] James will invite E*Trade's CRO, the head of ERM, and one of the regulators, to provide first-hand experiences and lessons learned. [11:41] James gives examples of how ERM improved E*Trade's business outcomes and profitability. Based on a robust risk appetite framework, E*Trade thought it needed to take more risk in new product innovation and shorten the time to market dramatically. [12:21] Because of that, E*Trade was the first company to offer retail investors the capability to trade stocks and mutual funds on their Apple Watch. It was a very important business opportunity as the Apple Watch was hugely popular. [12:49] This tied into E*Trade's founding as the first internet company to allow retail investors to trade on the internet. It was a proud moment for E*Trade. It shows how a robust ERM program and risk appetite framework can support innovation and business growth. [13:16] In the eight years James was on E*Trade's board until it was sold, its stock went from $8 to $59 a share. It went from B to BBB, from losing money to making money, and from a weak capital position to buying back over $1 billion in stock and offering its first-ever dividend. [13:52] In addition to the E*Trade case study, the course will look into other case studies, good and bad. We will learn from organizations that didn't manage risks effectively and what we could learn from them to prevent that for our organizations. [14:13] We will learn from best-practice companies in the energy and healthcare space. [14:30] Plug Time! The very first RIMS Texas Regional Conference will be held from August 4th through the 6th in San Antonio at the Henry B. González Convention Center. Public Registration is open here. [14:43] Hotel cut-off for the discounted rate is available through July 7th. The full Conference Agenda is now live, so you can start planning your experience. Don't miss the post-conference workshop, the RIMS-CRMP Exam Prep Course, available onsite. [14:59] Any chapter member can attend. Links are in this episode's show notes. [15:14] You can also visit the Events Page of RIMS.org for more information. We look forward to seeing you in Texas! [15:21 Just a month later, we will be up North for the RIMS Canada Conference 2025, from September 14th through 17th in Calgary. Registration opened today. Visit RIMSCanadaConference.CA and lock in favorable rates. We look forward to seeing you there! [15:42] Let's Return to My Interview with James Lam! [16:00] Starting on July 16th, there will be a new course that James is leading. It's the RIMS CRO Certificate Program in Advanced Enterprise Risk Management. If you're listening to this on the week of publication, you've got about a month to register. Registration closes on July 9th. [16:22] James is one of our favorite collaborators! [16:27] James tells what led to the launch of this program. He's very excited to be partnering with RIMS! His motivation for doing this program is that he has worked in risk management for over 40 years. He has been a management consultant working with over 100 companies. [17:10] James has been an eight-time board member, chairing the risk committee, chairing the audit committee, and overseeing risk management, not day-to-day but from a board perspective. [17:22] What James wants to do in this program is to share the lessons he has learned and some of the best practices in a very practical way. He also wants to invite other risk experts to share from their different domains. James has had this idea for over three years. [17:56] He met with the RIMS board members and the Professional Development Team to talk about this. They got an agreement in place, and within a few weeks, they got the outline and the website up. James tells of the team that helped him put it together in bi-weekly meetings. [18:31] The program came together within weeks. The early registrations are above expectations. The market reception has been strong. James says this course will provide an amazing learning experience for the participants. [18:54] It's a six-module, bi-weekly course with four-hour live virtual sessions, from 10 a.m. to 2 p.m. Eastern Time, starting July 16th and running through September 24th. There will also be self-study with James's book, other articles, and research papers. [19:24] We've got the link in this episode's show notes. A brief description of each of the six modules is on the website. Module 4 is The Role of the Chief Risk Officer and Risk Appetite Statement. That's the James Lam wheelhouse! [19:44] The CRO, the risk appetite statement, and ERM will be critical topics. Other important topics are the role of the board, how risk professionals should not only serve the board but also leverage the board, and strategic decision-making. [20:13] Before the pandemic, teaching virtually was not James's favorite method. He enjoys interacting with participants. Since the pandemic, we've all learned how to learn and to teach in a virtual environment. James says we can make it dynamic and interactive, with a lot of sharing. [22:53] James thinks they will get into individualized problem-solving. Participants can highlight challenges or opportunities they're facing. Collectively, the group will help with individualized problem-solving. [21:12] James will bring in guest speakers. He has a strong network of excellent board directors and experts with backgrounds in AI, cybersecurity, and ERM. These include former or current CROs with stories to share. He believes all that will make the program relevant and dynamic. [21:45] Plug Time! Let me tell you about the Spencer Educational Foundation. Spencer'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. [22:05] Since 2010, Spencer has awarded over $3.3 million in General Grants to support over 130 student-centered experiential learning initiatives at universities and RMI non-profits. Spencer's 2026 application process is now open through July 30th, 2025. [22:27] General Grant awardees are typically notified at the end of October. Learn more about Spencer's General Grants through the Programs tab of SpencerEd.org. Be sure to check out Spencer's Monthly Virtual Campus. [22:41] On Thursday, June 12th, we will have Reinsurance 101, hosted by Lee Vuu, Founder and President of the MRIA. A link is in this episode's show notes. Register today! [22:53] Let's Conclude Our Interview with James Lam! [23:22] James says the future is bright. AI and risk analytics are going to change our careers and our lives. In the next five years, we're going to see some interesting dynamics with AI and we're going to have some unintended consequences. There will be risks and opportunities. [23:54] For risk professionals, being able to help our organizations and address the risks, whether it's privacy, model risks such as hallucination, or data governance, all those are going to be in our wheelhouse, and we could add a lot of value. [24:11] James thinks AI could create opportunities to enhance enterprise risk management by tapping into structured and unstructured data and help us minimize unexpected earnings variance, optimize capital structure, and support corporate and business-level decisions. [24:47] A basic question that any AI model asks is, “What would an expert do?” What would an expert driver do in terms of an autonomous car? What would an expert doctor do in this specific situation? In risk management, the senior risk professionals and CROs are the experts. [25:12] James says the CROs have an opportunity to design the training data that would train these AI agents. They would have an impact on training these AI agents directly in terms of being part of the feedback loop. [25:32] James is very excited about where ERM is going to be in the next three to five years. AI will become a very important tool. He doesn't think it will replace risk practitioners. [25:49] The expertise, judgment, governance, and perspective that risk practitioners bring to the table will be valuable. AI will be a huge enabler. [26:11] Looking forward 10 years, James asks, using AI, how do we help with scenario planning and scenario analysis? Regarding many of the emerging and disruptive risks that we face today, we don't have a lot of data or models, so scenario analysis is going to be a critical tool. [26:48] The ultimate level of enterprise risk management would be to create a digital twin of our organization's overall risk profile, including our strategic, financial, operational, compliance, and reputational risks, and run scenarios to stress-test that system with AI. That's not far off. [27:25] James, it has been such a pleasure to reconnect with you. I have a great feeling about the RIMS CRO Certificate Program in Advanced Enterprise Risk Management. Remember, everyone, you have until July 9th, 2025, to register. Virtual seats are filling up! Check out the link! [27:43] I have a good feeling that we're going to be hearing more and seeing more from James in 2025 and beyond, here at RIMS. James, we value you very much. That's why you're here! [28:11] Special thanks again to James Lam. Register now for the RIMS CRO Certificate Program in Advanced Enterprise Risk Management. It is a bi-weekly course that starts on July 16th. Virtual seats are filling up fast, so register by July 7th. The link is in this episode's show notes. [28:32] 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. [29:00] 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. [29:18] 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. [29:35] 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. [29:52] 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. [30:06] Justin Smulison is the Business Content Manager at RIMS. You can email Justin at Content@RIMS.org. [30:14] Thank you all for your continued support and engagement on social media channels! We appreciate all your kind words. Listen every week! Stay safe! Links: RIMS-CRO Certificate in Advanced Enterprise Risk Management — Featuring Instructor James Lam! Register by July 7. | Bi-weekly course begins July 16. RIMS Texas Regional 2025 — August 3‒5 | Registration now open. RIMS Canada 2025 — Sept. 14‒17 | Registration now open! RIMS-Certified Risk Management Professional (RIMS-CRMP) RISK PAC | RIMS Advocacy RIMS Risk Management magazine RIMS Now The Strategic and Enterprise Risk Center Spencer Education Foundation — General Grants 2026 — Application Deadline July 30, 2025 Spencer Virtual Campus — Next Course on June 12 RIMS ERM Conference 2025 — Nov 17‒18 in Seattle! [Save the Date!] James Lam & Associates RIMS Webinars: RIMS.org/Webinars “Strategic Risk Financing in an Unstable Economy: Leveraging Technology for Efficiency and Cost Reduction” | Sponsored by Origami Risk | June 17, 2025 Upcoming RIMS-CRMP Prep Virtual Workshops: RIMS-CRMP Exam Prep Virtual Workshop — July 8‒9, 2025 | Presented by RIMS and PARIMA RIMS-CRMP-FED Exam Prep Virtual Workshop — July 17‒18 Full RIMS-CRMP Prep Course Schedule “Managing Data for ERM” | June 12 | Instructor: Pat Saporito “Generative AI for Risk Management” | June 26 | Instructor: Pat Saporito See the full calendar of RIMS Virtual Workshops RIMS-CRMP Prep Workshops Related RIMScast Episodes: “AI Risks and Compliance with Chris Maguire” “RIMS 2025 Risk Manager of the Year, Jennifer Pack” “ERM, Retail, and Risk with Jeff Strege” “Collateral Benefits Of Pre-Mortem Analysis” “ERMotivation with Carrie Frandsen, RIMS-CRMP” “Live from the ERM Conference 2024 in Boston!” Sponsored RIMScast Episodes: “The New Reality of Risk Engineering: From Code Compliance to Resilience” | Sponsored by AXA XL (New!) “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 “Risk Management in a Changing World: A Deep Dive into AXA's 2024 Future Risks Report” | Sponsored by AXA XL “How Insurance Builds Resilience Against An Active Assailant Attack” | Sponsored by Merrill Herzog “Third-Party and Cyber Risk Management Tips” | Sponsored by Alliant “RMIS Innovation with Archer” | Sponsored by Archer “Navigating Commercial Property Risks with Captives” | Sponsored by Zurich “Breaking Down Silos: AXA XL's New Approach to Casualty Insurance” | Sponsored by AXA XL “Weathering Today's Property Claims Management Challenges” | Sponsored by AXA XL “Storm Prep 2024: The Growing Impact of Convective Storms and Hail” | Sponsored by Global Risk Consultants, a TÜV SÜD Company “Partnering Against Cyberrisk” | Sponsored by AXA XL “Harnessing the Power of Data and Analytics for Effective Risk Management” | Sponsored by Marsh “Accident Prevention — The Winning Formula For Construction and Insurance” | Sponsored by Otoos “Platinum Protection: Underwriting and Risk Engineering's Role in Protecting Commercial Properties” | Sponsored by AXA XL “Elevating RMIS — The Archer Way” | Sponsored by Archer 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: James Lam, Founder, James Lam & Associates Production and engineering provided by Podfly.
Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society. Justin interviews John Baldwin of Discount Tire. Justin and John explore risk management topics, including Tire Safety Month, tire safety education of customers, and the tire selection tool he developed, Treadwell. John shares information about ongoing projects at Discount Tire and also his work on the board of the Tire Recycling Foundation. Listen to gain awareness of how tire selection can be a safety factor in your ERM program. Key Takeaways: [:01] About RIMS and RIMScast. [:17] About this episode of RIMScast. Our guest is John Baldwin of Discount Tire. He's joining us for National Safety Month and National Tire Safety Month here in June 2025. We're going to learn about the risk tool that he developed at Discount Tire. [:49] RIMS-CRMP Workshops! The next RIMS-CRMP Exam Prep Workshop will be presented in conjunction with NAIT on June 10th and 11th. Register by June 9th. That course will be led by former RIMS President, Nowell Seaman. [1:11] Links to these courses can be found on the Certification Page of RIMS.org and through this episode's show notes. [1:18] Virtual Workshops! On June 12th, Pat Saporito will host “Managing Data for ERM”, and she will return on June 26th to present the very popular new course, “Generative AI for Risk Management”. [1:35] A link to 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 show notes. [1:47] We have a special new 12-week virtual workshop course, The Advanced Enterprise Risk Management (ERM) Certificate Program, instructed by James Lam, one of the most famous Chief Risk Officers in the world! [2:04] He will lead an intensive 12-week program, beginning July 16th, bi-weekly until September 2025. Registration closes on July 7th. [2:17] James will join us next week to discuss this program and his ERM philosophy. Check out the link in this episode's show notes and the Education page of RIMS.org. Register today before we reach virtual capacity! [2:33] On with the show! It's our first episode of June 2025. That means that it is National Safety Month here in the U.S. and also Tire Safety Month. I was delighted to book today's guest, John Baldwin, PhD. He is the Chief Product and Technical Officer of Discount Tire. [2:56] He developed a risk tool for Discount Tire called Treadwell. This is the company's personalized tire recommendation tool. [3:05] Treadwell utilizes extensive real-world testing data, including nearly a million tread depth measurements annually and evaluations of dozens of new tire models each year. [3:17] John is also a member of the Enterprise Risk Committee at Discount Tire, so we will also learn about his risk philosophies and his efforts to bolster sustainability when it comes to tires, tire manufacturing, and tire recycling. [3:33] Interview! John Baldwin, welcome to RIMScast! [3:52] John says risk management is like safety. You incorporate it in every decision you make. It's good to make it part of the daily oxygen. [4:10] John started consulting with Discount Tire in 2007 and became full-time in 2012. [4:25] John is a Senior Vice President and Chief Product and Technical Strategist. He's responsible for the fitment guide on the website. Discount Tire measures each vehicle it can and puts that in the fitment guide. [4:56] They consider product quality and performance. They test tires, wheels, and lug nuts, before offering them for sale. John's background is technical. [5:10] John is also in charge of sustainability and government affairs. [5:24] John has a bachelor's degree in chemistry and a PhD in polymer science, the study of plastics and rubber. He was at 3M for a lot of years working on filter media for filter masks, which had a resurgence 25 years after he left. [5:49] John went to automotive working in adhesives. He was hired by Ford. He was at Ford when the Ford Firestone recall happened. He got drafted onto the Root Cause Team, to find out what was going on with the tires because of his background. [6:08] John worked in advanced manufacturing on a cross-functional team. [6:22] John's advice to folks coming up in a company is “Saying No is career-limiting.” He had said No a lot, at the beginning of his career. When he started saying Yes, things changed. [6:38] Coming from the larger companies where he had worked, John says the vibe at family-owned Discount Tire is an entrepreneurial spirit. There's a lot less bureaucracy. You go talk to people to get things done. It's very comfortable for John. [6:58] John says Discount Tire is for everyone but the people who thrive here are more self-starting, think it out, and occasionally color outside the lines. It's nice. You learn a lot. [7:13] John has a small group of about 25 people. They are cohorts of the risk group. The risk group collects and manages thought processes and information. The people who own the risks have to take care of them. The risk group shares a framework for them to manage risks. [8:23] John is on the Enterprise Risk Committee. It's a group of the different functional areas, Technical Fitment, Real Estate, IT, Cybersecurity, Store Management, Product Quality, Legal, HR, and other areas from around the corporation represented. [8:52] The Enterprise Risk Committee is one level below the Steering Committee. They use a tool called Riskonnect. They analyze and bring the risks to the Steering Committee. Justin and John first connected through the last Riskonnect webinar! [9:46] There are technical issues in managing the stores, including customer safety. Customer safety is a founding philosophy at Discount Tire. Customer safety is the first consideration. [10:21] When John first came on board at Discount Tire, it was after the Firestone Tire recall and Discount Tire focused on tire quality. Everyone at Purchasing hated him for being “Dr. No.” He told them: Let's put a process together where we validate whom we're buying from. [10:51] He said, we validate the quality of the tires and wheels that we're buying and that frees you up. We could entertain buying from people we would never have entertained buying from because they meet our criteria. Suddenly, it goes from closing the box to expanding the box. [11:07] That's how we have to get people thinking. Once you have the process down, it unburdens you. It allows you to take more risks because you have a way of assessing what the risk is and doing something about it. [11:34] June is Tire Safety Month, promoted by the NHTSA. John is planning on a visit there next week. Tire Safety Month is an opportunity to engage and ask customers: Have you looked at your tires? Do you know what your air pressure is? Discount Tire does free air checks and fills. [12:20] One of the number one things for safety is making sure you have plenty of air in your tires. Most people don't think about it or check it. Talk with customers about tire tread depth and why there are treads. [12:54] Tire Safety Month is June because school is over and people will be taking road trips. Be aware of your tires. Check your air pressure and tread depth. The tread is essential for driving in rain or snow so you don't hydroplane and you can brake properly. Get your tires checked. [13:47] These things matter. There's a reason tires are designed the way they are. The public generally doesn't know. When John started working in tires he had no idea they came in different sizes. Everybody has a first day at work. [14:26] People generally don't change tires on their own, because you need a machine. [14:34] Plug Time! RIMS Webinars! On June 5th, Zywave joins us to discuss “Today's Escalating Risk Trajectory: What's the Cause and What's the Solution?”. [14:49] On June 17th, Origami Risk returns to present “Strategic Risk Financing in an Unstable Economy: Leveraging Technology for Efficiency and Cost Reduction”. [15:00] More webinars will be announced soon and added to the RIMS.org/Webinars page. Go there to register. Registration is complimentary for RIMS members. [15:11] Are you a summer intern and interested in learning more about career opportunities in the insurance industry? Are you based in the Greater Chicago area? If so, join Chicago RIMS in a free event sponsored by Origami Risk. [15:29] Students and insurance professionals will come together to explore the wide variety of career paths in insurance and the captive industry. This event will provide you with valuable insights into the industry and allow you to start building your network with peers in the area. [15:44] This is an opportunity to learn from industry experts and kickstart your career in insurance. Register at ChicagoRIMS.org and mark your calendar for this free event on July 10th at 3:30 p.m. at 222 N LaSalle, STE 2100 in Chicago, IL. [16:04] Let's Return to Our Conversation with John Baldwin of Discount Tire! [16:23] John points out mistakes in tire safety and maintenance. Are you overloading your vehicle? If you pull a trailer, are you loading the trailer correctly? Are you overdriving your abilities in bad weather? It's not about going fast, it's about stopping fast and being able to steer. [16:57] Be mindful of the conditions around you and how other people are driving. Most people tend to overestimate their abilities, especially if they're not in those conditions often. [17:19] Fleet safety is another topic. You have to pay attention to the details. [18:10] Discount Tire is a large purchaser of tires. Tire salesmen came in and boasted about their tires and downplayed their competition's tires. Discount Tire didn't have a basis for pushing back so they hired a driver and started testing the tires. They got warranty information. [18:39] A year after Discount Tire started testing tires for internal information, Chief Strategy Officer Dave Ginsberg, a data scientist, joined Discount Tire. He was thinking of an algorithm to help people pick tires. John told him of the data they gathered to help Discount Tire pick tires. [19:10] Both Discount Tire and the consumers have the same problem, what to buy. There's a lot out there. David put together the math behind Treadwell, and John's team generated the data. It's based on what you drive, where you drive, and how you drive, on city roads or a highway. [19:48] Not every car is a commuter. Some people just drive on the weekend. On different cars, different trim levels come with different tire sizes and wheel sizes. A key issue is what mileage you can expect. Discount Tire does free rotations. That gives them data on how long a tire lasts. [20:41] Discount Tire tests in winter and rain. They also test worn tires that they've buffed down to 4/32nds and test them in the wet. Tires are only new for the first couple thousand miles. Then various changes occur in how your tires perform over time. [21:11] So that's what we're trying to get at with people. We've changed a lot about how the tire industry's looking and talking about that, all for the customer, to relay to you how this is going to work over the life of your tire. [21:26] There are annual evaluations of over 75 new tire models each year. When Cooper was bought by Goodyear, the track Discount Tire was using for testing became redundant for Goodyear, so Discount Tire purchased it. They have a third-party test for them. [22:16] John tells tire manufacturers that Discount Tire uses Treadwell internally when talking about what tires to buy. It's the same version and data that consumers see. It's a unique tool. [22:58] There were some other sellers doing testing. Tire Rack was one of them. Discount Tire bought Tire Rack at the beginning of '22. They continue to do testing. Tire Rack is for the in-depth enthusiast. [24:08] Discount Tire is for the consumer who needs a tire but doesn't know a lot about tires, doesn't have a lot of time, and doesn't want to get ripped off. There's a lot of technical data. Discount Tire Treadwell quickly boils it down to suggest which tire the customer should buy. [24:18] Another point about Treadwell is that it has nothing to do with the cost of the tire or how much money Discount Tire makes from the sale. It's about the performance of the tire. It encourages the customer to look down the list for the diamond in the rough. It's a good tool. [24:49] The tire manufacturers have looked at the tool and said they want to win at Treadwell. It's impossible to do. The local weather affects the algorithm. Chances are, a good tire in Arizona is not a good tire in Minnesota because of the weather. Treadwell is objective. [25:31] Treadwell took two years to launch from conception. They had to get enough data from the stores in the field and enough testing to launch a small subset of tires. Now, they have almost every tire tested or it's on the list to get tested. When a new tire comes, they test it. [26:16] One of the things Discount Tire found is that it took some time after launch for the store managers to buy into using it with customers. They didn't understand it was a real tool. [26:40] In the last year or so, Discount Tire has started taking store managers through Treadwell to be tire evaluators for a day, testing at the track. They get a T-shirt, The Treadwell Experience. It has been game-changing. The tool has been embraced internally. [27:32] One of the store managers said Treadwell is like having a test track behind every store. [27:41] Plug Time! The very first RIMS Texas Regional Conference will be held from August 4th through the 6th in San Antonio at the Henry B. González Convention Center. Early Bird Registration is now open through June 7th. Save up to 20% on a Full-Conference Pass. [28:03] Hotel cut-off for the discounted rate is available through July 7th. The full Conference Agenda is now live so you can start planning your experience. Don't miss the post-conference workshop, the RIMS-CRMP Exam Prep Course, available onsite. [28:19] Also register by June 7th for your Early Bird Registration and save $200. Any chapter member can attend and anyone who is not a RIMS member has to email RIMStexas@RIMS.org to request a unique registration code. Links are in this episode's show notes. [28:39] You can also visit the Events Page of RIMS.org for more information. We look forward to seeing you in Texas! [28:47] About the Spencer Educational Foundation's Grants program. Spencer'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. [29:04] Since 2010, Spencer has awarded over $3.3 million in General Grants to support over 130 student-centered experiential learning initiatives at universities and RMI non-profits. Spencer's 2026 application process is now open through July 30th, 2025. [29:25] General Grant awardees are typically notified at the end of October. Learn more about Spencer's General Grants through the Programs tab of SpencerEd.org. [29:35] Let's Return to the Conclusion of My Interview with Discount Tire's John Baldwin! [30:01] Discount Tire tests rolling resistance; how much fuel or energy per mile one tire absorbs, vs. another tire. Tires that roll easier don't take as much fuel. With battery vehicles, range is a big deal. Tire rolling resistance ranking for electric vehicles is incorporated into the algorithm. [30:47] If you have the same tire, size, construction, and everything, one on a gas vehicle and one on an electric vehicle, there is typically 10 to 15% faster wear on the battery vehicle because of the weight and a little bit of the torque. They factor the car in for the mileage estimation. [31:15] Noise becomes more of a consideration with electric vehicles because there's no engine noise. The whirring noise electric cars make is added so they're not completely silent. [31:49] Amazon made a big commitment to electric vehicles with Rivian. A lot of Uber drivers are starting to use Model 3 vehicles. There is a trend toward hybrid gas/electric vehicles. [32:41] Treadwell is testing off-road tires. If you take a truck out in the mud, you want a tire that works in the mud and rocks. Treadwell just expanded into testing winter tires. [33:27] Discount Tire is thinking about working with Tire Rack to rank summer tires and more. [33:52] John is on the Board of Directors of the Tire Recycling Foundation. The foundation is jointly put together through the United States Tire Manufacturing Association and also the Tire Industry Association, the retailers. [34:17] We need to find more recycling uses for tires. Twenty percent of scrap tires that come off today are landfilled. Thirty percent are burned in kilns. Fifteen percent are sold used. Used tires are not optimized for safety. [34:51] Is there a way to recycle these tires back into tires rubber-modified asphalt, or mats? There are so many other things you can do with tires besides burning them and burying them. [35:12] To go into asphalt, tires are ground up and then added to the mix. It's a different process, which when done right, provides a quieter surface with a better grip and it lasts longer. It's a good use of tires and would take care of the scrap tire problem. [35:37] Being in the Tire Recycling Foundation complements John's job at Discount Tire. How to recycle tires has been a problem in the U.S. tire industry for 100 years. [36:34] Municipalities sometimes have a Waste Date to drop off your hazardous waste. Instead of taking it there, you can bring it to a Discount Tire or a competitor. Then it will be recycled. [38:04] People can go to TireRecyclingFoundation.org for more information. It's a broad-based coalition. [38:59] John, it has been a real pleasure to speak with you. It's been illuminating. I'm glad that we're shining a lot on how important tires are to our daily lives and the supply chain. I don't know that we've ever done an episode devoted to tires! This is super cool for us at RIMS! [39:22] Special thanks again to John Baldwin of Discount Tire for joining us. [39:26] I've got links in this episode's show notes for information about Treadwell, the Tire Recycling Foundation, and Discount Tire's appearance on the RIMS Riskonnect on April 24th, 2025 webinar, “Better Together: The Marriage of Insurable Risk and Business Continuity”. [39:46] 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. [40:13] 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. [40:32] 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. [40:49] 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. [41:05] 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. [41:19] Justin Smulison is the Business Content Manager at RIMS. You can email Justin at Content@RIMS.org. [41:27] Thank you all for your continued support and engagement on social media channels! We appreciate all your kind words. Listen every week! Stay safe! Links: RIMS Texas Regional 2025 — August 4‒6 | Advance registration rates are now open. RIMS-Certified Risk Management Professional (RIMS-CRMP) RISK PAC | RIMS Advocacy RIMS Risk Management magazine RIMS Now The Strategic and Enterprise Risk Center Spencer Educational Foundation — General Grants 2026 — Application Deadline July 30, 2025 RIMS-CRMP Advanced Enterprise Risk Management (ERM) Certificate Program — Featuring Instructor James Lam! Register by July 7. | Bi-weekly course begins July 16. Tire Safety Month — NHTSA The Tire Recycling Foundation “All About Treadwell” — John Baldwin Interview “Better Together: The Marriage of Insurable Risk and Business Continuity” — A RIMS Webinar, Sponsored by Riskonnect and featuring Discount Tire (April 24, 2025) RIMS Webinars: RIMS.org/Webinars “Today's Escalating Risk Trajectory: What's the Cause & What's the Solution?” | Sponsored by Zywave | June 5, 2025 “Strategic Risk Financing in an Unstable Economy: Leveraging Technology for Efficiency and Cost Reduction” | Sponsored by Origami Risk | June 17, 2025 Upcoming RIMS-CRMP Prep Virtual Workshops: RIMS-CRMP Exam Prep Virtual Workshop — June 10‒11, 2025 | Presented by RIMS and NAIT Full RIMS-CRMP Prep Course Schedule “Managing Data for ERM” | June 12 | Instructor: Pat Saporito “Generative AI for Risk Management” | June 26 | Instructor: Pat Saporito See the full calendar of RIMS Virtual Workshops RIMS-CRMP Prep Workshops Related RIMScast Episodes: “Company Safety and RIMS Chapter Leadership with Tamieka Weeks” “Safety and Preparedness in 2024 with National Safety Council CEO Lorraine Martin” “Traffic Awareness with Carol Fritzsche of Subaru of America” “Fleet Safety with NETS Executive Director Susan Gillies-Hipp” (2022) Sponsored RIMScast Episodes: “The New Reality of Risk Engineering: From Code Compliance to Resilience” | Sponsored by AXA XL (New!) “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 “Risk Management in a Changing World: A Deep Dive into AXA's 2024 Future Risks Report” | Sponsored by AXA XL “How Insurance Builds Resilience Against An Active Assailant Attack” | Sponsored by Merrill Herzog “Third-Party and Cyber Risk Management Tips” | Sponsored by Alliant “RMIS Innovation with Archer” | Sponsored by Archer “Navigating Commercial Property Risks with Captives” | Sponsored by Zurich “Breaking Down Silos: AXA XL's New Approach to Casualty Insurance” | Sponsored by AXA XL “Weathering Today's Property Claims Management Challenges” | Sponsored by AXA XL “Storm Prep 2024: The Growing Impact of Convective Storms and Hail” | Sponsored by Global Risk Consultants, a TÜV SÜD Company “Partnering Against Cyberrisk” | Sponsored by AXA XL “Harnessing the Power of Data and Analytics for Effective Risk Management” | Sponsored by Marsh “Accident Prevention — The Winning Formula For Construction and Insurance” | Sponsored by Otoos “Platinum Protection: Underwriting and Risk Engineering's Role in Protecting Commercial Properties” | Sponsored by AXA XL “Elevating RMIS — The Archer Way” | Sponsored by Archer 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: John M Baldwin, PhD, Chief Product & Technical Officer, Discount Tire Production and engineering provided by Podfly.
Episode 25: LifestyleLynx Lovefest RecapMay 2025‘Main Topic': A Recap of our Crazy, Insane Lovefest group trip to Temptation Resort in Cancun Mexico for our wedding. Plus, special guest attendees detailing their Sexual Explorations with a Newbie couple!‘What Have We Done Lately': Wild sexy time at a house party in Pennsylvania with some Girl-Girl Strap-on action! Onto recalling our Incredible Group Trip to Temptation Resort Cancun, Mexico that was beyond perfectly fabulous. If you missed it, we have something else planned, listen on! Our PA house party hosts came to visit us to record our Main Topic here in the studio. Followed by dinner, dancing and the usual mayhem. The next weekend we stopped in at a Meet & Greet in New Hope PA that was half our tribe and new people to explore. Lastly, friend's annual Memorial Day Lifestyle party is always a warm welcome to end the month.‘Where We Are Going Next': Well first up is our House party with 54 people already attending. Going to be FUN! Then onto the recurring Summer Solstice Orgy House Party that friends host. Don't miss the upcoming ‘Intimate Parties Group' events in Scranton PA June 6-7 & 20-21 and ‘ShareNation' events at Gunnison Beach NJ July 12 and then Sept 5-6 Detention/Pool Party/White Party in Parsippany, NJ. Tickets for all these events are available on our website plus… ‘Teddy-Love-Adult-Toys' will be onsite for the ShareNation September event. Go to our Affiliate page to check out their products for a 20% discount.Best of all you can join us on the April 2027 Bliss Cruise with our Posse! Book on our website for a Special Perk!!Visit our Website, LifestyleLynx.com, Events Page 2, for Information and Booking for our ‘LifestyleLynx Invades the Bliss Cruise'. Plus, details on the next IPG and ShareNation Events.Visit us at https://www.LifestyleLynx.com for related Adult Events, Cruises, Resorts, Clubs, Parties, Swinger Websites and more...
Episode 24: UntaintedApril 2025‘Main Topic': A Facebook Post on our LifestyleLynx page prompted us to record this episodes' Main Topic, ‘Untainted'. The post centered around the Lifestyle having become a ‘cesspool' for this person. What we say?? We drive into how to forge your own destiny in finding what works best for you in the Lifestyle and surrounding yourself with like-minded people. Using our experiences with our 300+ drams free, fun, adult tribe, we debunk that notion and provide ways to improve your situation.‘What Have We Done Lately': A very successful group outing to Atlantic City, NJ with eight couples that encompass two birthday celebrations plus more people joining in from a SLS ‘Hot Date' posting for a crazy, insane time at “Boogie Nights” in the Tropicana Casino Resort! Then a week later, dinner with great friends that led into a club event with more friends to hear a cool band! ‘Where We Are Going Next': Heading to a repeat house party in Pennsylvania with great friends and sexy people that we want more quality time with, in that way, well you know. It's really close to our ‘Gynormous' Group Trip to Temptation Resort Cancun, Mexico May 1-5, 2025. There is still time to join us on this amazing trip to Paradise! If you cannot attend there are two other options available on May 2-3; an ‘Intimate Parties Group' event in Scranton PA and a ‘ShareNation' event in Hampton, New Hampshire. Also, get ready for the new Grand Hotel for the ShareNation ‘White Party' on July 11-12. Tickets will be available soon on our website plus… ‘TeddyLoveAdultToys' will be onsite for this event. Go to our website to check out their fabulous products.Visit our Website, LifestyleLynx.com, Events Page 2, for Information and Booking Trips, Crusies and Parties.Visit us at https://www.LifestyleLynx.com for related Adult Events, Cruises, Resorts, Clubs, Parties, Swinger Websites and more...
Episode 23: To Be...Drama FreeMarch 2025‘Main Topic': We discuss how "To Be Drama Free" in your quest for the perfect Lifestyle encounters. The Do's & Don'ts to be cognizant of when out with your partner interfacing with others. ‘What Have We Done Lately': Last Month's Main Topic friends X&S had a Valentines Day Lifestyle house party that that was off the chart! The ShareNation Mardi Trois weekend hotel takeover was as usual, "Amazing" with an unusual circumstance that we talk about concerning, Carlos, our friend and owner of ShareNation.‘Where We Are Going Next': A group outing to Atlantic City, NJ with six couples that encompass two birthday celebrations. A repeat house party in Pennsylvania with some very good friends that is only a few days from our BIG Group Trip to Temptation Resort Cancun, Mexico May 1-5, 2025. Time is running out to join us on this amazing excursion to Paradise! Plus, four (4) Intimate Parties Group events are detailed on our website and the ShareNation White Party to be announced. Be sure to check them out.Visit our Website, LifestyleLynx.com, Events Page 2, for Event Information & Booking.Visit us at https://www.LifestyleLynx.com for related Adult Events, Cruises, Resorts, Clubs, Parties, Swinger Websites and more...
In this episode of How to Build a Profitable Nutrition Business, Chris Hughes shares the unexpected story of the book he never wanted to write—and how that very book became one of the most powerful tools in his career as a dietitian and entrepreneur. Joining him is the woman who made it all happen: Natasa Denman, founder and CEO of Ultimate 48 Hour Author. Chris opens up about the imposter syndrome that almost kept him from writing a book, the resistance he felt going into the process, and how his wife Stacey quietly signed him up anyway. What followed was a career-defining experience that not only helped Chris extract the knowledge in his head but gave him the confidence to own his expertise, land speaking gigs, and ultimately grow and sell a successful business. Natasa breaks down her method for turning experts into authors—fast. Her system, developed for time-poor professionals, helps extract valuable knowledge and structure it into a book in just 48 hours. Together, they reflect on the behind-the-scenes moments, the power of publishing for credibility, and how the process can transform not just your business, but your identity as a leader. A CSP-accredited speaker and 15-time published author, Natasa Denman is the creator of the Ultimate 48 Hour Author system. Since launching her business in 2010, she has helped more than 950 solopreneurs across 15 countries become published authors. In 2018, she founded Ultimate World Publishing, supporting her authors as they go on to write second and third books. Featured in major Australian media including The Sydney Morning Herald, The Financial Review and The Age, Natasa now runs a multi 7-figure business from home with her husband and three children—having successfully pivoted her company online in 2020. Whether you're a nutritionist, dietitian, PT, or health coach, this episode is packed with inspiration, real talk, and practical advice for turning your expertise into something bigger. Writing a book isn't about being a bestseller—it's about becoming the next version of yourself and opening up doors you never knew existed. If this episode hits home for you, make sure to like, share and subscribe so more nutrition professionals can make a bigger impact doing what they love. Resources & Links: Free Shut Up and Write Your First Book Download: https://48.ultimate48hourauthor.com.au/shutupebookau Website: https://writeabook.com.au Events Page: https://www.writeabook.com.au/events/
In Episode 64, a special episode of the Virtual Velo Podcast, we're bringing you an inspiring conversation with Cody McKay, founder of Project Heart, and our very own Chris. Both are passionate cyclists with a unique perspective—overcoming life-altering cardiac challenges to return to and thrive in the endurance sport they love. Cody, a 33-year-old competitive cyclist from Ottawa, Canada, takes us through his journey from being diagnosed with an ascending aortic aneurysm in 2021 to undergoing open-heart surgery in late 2022. Remarkably, he was back on the bike just six weeks later and racing competitively by May 2023. He shares how this transformative experience led him to establish Project Heart, a charity dedicated to raising awareness about heart health in the endurance athlete community. Chris shares his own cardiac journey, shedding light on the parallels and lessons learned in the seven months since undergoing a triple coronary bypass. Now a passionate advocate for heart health, Chris is using his platform to discuss the misconceptions athletes face about their fitness and health, the disconnect between the medical and endurance athlete community, and emphasizes the importance of screening tools like Coronary Artery Calcium Scans. This episode dives deep into the myths surrounding “Athlete's Heart Syndrome,” the dangers of assuming fitness equates to immunity from heart issues, and the life-saving significance of early detection and advocacy. Cody and Chris discuss the role of virtual cycling in the movement, including Project Heart events on Zwift and how listeners can get involved. Join us for an eye-opening conversation about heart health, resilience, and the power of community in endurance sports. Whether you're an avid cyclist or inspired by stories of overcoming challenges, this is an episode you can't miss! Follow this link to the Events Page to Support Project Heart on Zwift for Heart Health Awareness Month with weekly Group rides in February, every Sunday at 11 am EST (4 pm UTC)! While you're there, don't forget to join the Project Heart Zwift Club too! Join us for a conversational ride as we lend a voice to the digital athlete and bridge the gap between athlete and avatar. Statements made by guests are their own and do not necessarily reflect the views or opinions of the podcast, its hosts, or its partners. Listeners are encouraged to form their own opinions.
Episode 21: BE FRESH!December 2024‘Main Topic': Well, ‘Keep it Fresh” as an alternative title! We talk about not getting ‘stale' on your Lifestyle journey. How to keep the excitement going. What to do and what not to do. Where to find new and fun events to attend. How to meet new people that fit your style. Get out of your ‘comfort zone'. And of course, a few sexy escapades.‘What Have We Done Lately': Early December Brunch M&G at my new band's gig was a great success with several Lifestyle couples in attendance. Our 11th Annual New Years Eve Party was a HUGE success with 49 sexy people. Plenty of swap-a-rama sex going on in the playroom after the midnight toast! Plus, our friend's BIG Winter Solstice/Orgy event right after our NYE party never disappoints. ‘Where We Are Going Next': Saints & Sinners Atlantic City NJ is closing on Jan 18th and we will be there with our posse! This should be a great farewell event for all in attendance. Patrick's Pub M&G Feb 1 Lake Hopatcong NJ w/Hot Date on SLS. Details of the upcoming ShareNation event and future Intimate Parties Group events for first quarter 2025. Also, a brief glimpse at a Special Lifestyle Cruise in February 2026. Plus, our Exclusive Group Trip to Temptation Resort Cancun, Mexico May 1-5, 2025. Join us for this amazingly priced Group Event in Paradise! Visit our Website, LifestyleLynx.com, Events Page 2, for Information and Booking. Click this to book: Temptation Resort TripFor details on the next ShareNation Party and information for IPG Events: Click this to: Events/Trips/CruisesVisit us at https://www.LifestyleLynx.com for related Adult Events, Cruises, Resorts, Clubs, Parties, Swinger Websites and more...
Spiritual Insights w/Charlotte Spicer—Spirituality & Metaphysics Talk Radio
A Special Message to my devoted listeners: Thank you to my listeners for your patience while I took time off in 2023 to heal from numerous traumatic events. I'm feeling stronger and segments will resume. You can reach me through the website if you wish. Welcome to the Spiritual Insights Master Class Educational Series, Guidance from Spirit: Channeled Messages from Beyond the Veil. Today we feature Divine Mother Sophia, a supreme being in the Divine Feminine Consciousness. Divine Mother Sophia offers Her loving guidance in a monthly discourse to empower you to navigate life peacefully. She comes to us through Connie Viveros, a gifted intuitive, healer and spiritual teacher. Connie has served as Full Body Channel for Divine Mother since 2011 and offers spiritual coaching and mentoring, as well as online courses and workshops. Visit AngelsEmerging.com to learn more and to participate in online and in-person Community Events. Visit SpiritualInsightsRadio.com to book an Energetic Healing session with Charlotte, including the life-changing Ultra Clearing with Yeshua and the Archangels. Private sessions with Yeshua are available! Join the community to attend exclusive Online Events on Zoom: The Holy Trinity Guided Meditation (Guided by Yeshua, Channeled by Charlotte) and The Psychic & Metaphysics Free-for-All, an Ask Me Anything (AMA) event. Details and instructions are on the Events Page.
Meet Enneagram Eight, Matt Lesser, the third third of the first third of our series with three members of the 2024 Enneagram Cohort! The man has done some work, and he shares his journey with us beginning with a life threatening illness when he was 15, depression in his twenties, and his dark night of the soul. He left the corporate world in 2021 and started his own business, beginning with two books, Unsatisfied: When Less Is More and Unengaged: Building Flourishing Organizations. Learn more about Matt and what he is doing at uniquelynormal.com PLUG TIME! Too too too much to plug, so you need to hop over to lifeinthetrinityministry.com and start with the Events Page. 2 upcoming Know Your Number workshops, the deadline for the 2024 Leading Change Cohort, and the Super Early Bird Special for the 2024 Enneagram Cohort, and some great other things and stuff! Just in case you missed it a few lines earlier, lifeinthetrinityministry.com ! TODAY'S INTRO F.R.I.E.N.D.S (S8, E2) Step Brothers (2008 Columbia Pictures) Talladega Nights: The Ballad of Ricky Bobby (2006 Columbia Pictures)
There is a lot of conversation about safe spaces… What they mean, why they are important and how they are created. Today we further dive into this with someone who spends a lot of their livelihood doing just that. Welcoming club kid and curator Rio Bayani to the pod. Co creator of Le Bunker, a Paris based events group that prioritises creating nights for Queer POC. This conversation is a further exploration of what it means to create such spaces. There's also some poo chat, more “Love Lies Bleeding”, why English speaking people need to stop butchering the French pronunciation of words and why we are marrying testosterone. Show resources: Find Rio. Instagram: @rioobayani TikTok: @rioobayani Events Page. Instagram: @lebunkerparis Find Kath. Instagram: @kathebbs TikTok: @kathebbss
Welcome to the 1st episode of the 2024 season! Monica Jean, MSU Extension Educator, will host Dr. Christy Sprague, MSU Extension weed specialist. Christy will be talking about early season weed control to get your cropping year started off right. To register or learn more about the termination cover crop field day check out the Events Page. Also, a weather update from Dr. Jeff Andresen . To learn more and register for the live event, check out the MSUE Virtual Breakfast page. Resources:Cover Crop Termination Guide2024 Weed Guide
Spiritual Insights w/Charlotte Spicer—Spirituality & Metaphysics Talk Radio
Welcome to the Spiritual Insights Master Class Educational Series, Guidance from Spirit: Channeled Messages from Beyond the Veil featuring Mother Mary, the Ascended Mother of Jesus, the Christ Child. Topic: Mother shares important information that will help us BLOSSOM into the Age of Aquarius beginning December 21, 2023. I feel compelled to share that I was so filled with energy, that I sound a bit wound up in this segment. It was difficult to contain my excitement while I was shifting. Danielle Gibbons has served as a "Full Body" Channel for Mother Mary since 1994. Together, Mother Mary and Danielle inspire individuals to expand their consciousness through life-changing courses, retreats and on-line events, including pre-recorded and weekly livestream discourses on YouTube @MotherMaryChannel. Join Danielle's community at BelovedPublications.com. Visit SpiritualInsightsRadio.com to book The Ultra Clearing with Charlotte andThe Divine Team! This life-changing technique will help you release the burdens you've carried all your life in 3D. Don't bring them with you to keep you stuck...clear out before you step into the 5D Consciousness of The New Age! Join the community to attend these exclusive free Online Events on Zoom! You'll find details and instructions on the Events Page. The Holy Trinity Guided Meditation (a weekly class Guided by Yeshua, Channeled by Charlotte)The Psychic & Metaphysics Free-for-All(a monthly AMA event where you can Ask Me Anything)
Spiritual Insights w/Charlotte Spicer—Spirituality & Metaphysics Talk Radio
Welcome to the Spiritual Insights Master Class Educational Series, Guidance from Spirit: Channeled Messages from Beyond the Veil featuring Mother Mary, the Ascended Mother of Jesus, the Christ Child. Topic: What's the difference between Joy and Happiness? Tune in as Mother Mary explains how to build intimacy with things that bring you Joy, an essential part of daily life. Special Guest Co-Host Danielle Gibbons has served as a "Full Body" Channel for Mother Mary since 1994. Together, Mother and Danielle inspire individuals to expand their consciousness through life-changing courses, retreats and on-line events. Visit BelovedPublications.com to learn more. Visit SpiritualInsightsRadio.com to book The Ultra Clearing with Charlotte and The Divine Team! Release lifelong stagnant energies that burden you and keep you stuck. Read the full description to see if it's what you need right now. Book now as the current price remains in effect until December 21, 2023. Join the community to receive an invitation to attend exclusive Online Zoom Events! You'll find details and instructions on the Events Page. The Psychic & Metaphysics Free-for-AllThe Holy Trinity Guided Meditation (Guided by Yeshua, Channeled by Charlotte) Free to attend | No registration required | No experience necessary | Community Members Only Wherever you get your podcasts, please show your support by hitting the like button, leaving a rating and a positive comment to encourage others to tune in wherever possiblel. Thank you!
We've been counting down the weeks until the November election - we're at three now, if you're counting with us. And with everything happening in the world right now, it can be hard to feel motivated about an election. But local wins and little victories are the best antidote to the sadness and helplessness we might feel when we're scrolling through our news feed. So this week we are so excited to talk to Jocelyn Benson, Michigan's Secretary of State and all-around amazing woman. She's a voting rights expert and has expanded access to voting across her state, overseeing the most secure and highest-turnout election in Michigan's history. Jocelyn also shares what she learned in her earlier work researching white supremacist organizations and chats about what a political race and a marathon have in common. It was a pleasure and an honor to have Secretary Benson on the pod.Finally, Amanda, Rachel and Jasmine raise a glass to parents, a great community weekend, and Polish democracy in this episode's “Toast to Joy.”Speaking of Michigan, next week we'll be joined by Michigan Governor Gretchen Whitmer to learn how we as voters can win back our rights. And it's not too late to RSVP for our October 19th evening with best-selling author Angie Thomas where you can learn about defeating book bans at the ballot box. To learn more about these events or our many other events, both virtual and local, check out our Events Page.For a transcript of this episode, please email theswppod@redwine.blue. You can learn more about us at www.redwine.blue or follow us on social media! Twitter: @TheSWPpod and @RedWineBlueUSA Instagram: @RedWineBlueUSA Facebook: @RedWineBlueUSA YouTube: @RedWineBlueUSA
Some Suggested Places to Catch up with the New Hardware announced by Apple ON September 12 (US) 2023 Apple The Apple's Events Page where you can watch the new and Recent Keynotes https://www.apple.com/au/apple-events/ AppleVis The Applevis Community page for blog articles about the September 2023 Announcements https://applevis.com Twit TV The TWiT TV Network Does a Great live/Podcast on the Apple Keynotes where they have commentary abut the Event https://twit.tv iMore I've always found the iMore a great source for info about Apple https://www.imore.com The Verge Another one of my preferred source for Tch News https://www.theverge.com Some Podcast Suggestions Appleviss, Living Blindfully, Tech Doctor Blog and Podcast. You should be able to find these in your favourite podcast app. Let Us Not Forget All the Software Updates iOs 17, iPad OS 17, Watch OS 10, TV OS 10, and HomePod 17. Mac OS 14 usually comes out in October. Several History items next for a bit of perspective. Watch Phil Schiller Launch the Lightning Connecter on September 12 11 Years ago with the iPhone 5 which replaced the 30 pin connecter which made its appearance in 2003. Now in 2023, its the USBC. https://9to5mac.com/2023/09/07/apple-iphone-lightning-usb-c/ Apple Watch was Launch 8 Years Ago on September 9 2015 Of Course we are looking at the new Apple Watch, but it was pretty special when it came out. https://appleinsider.com/articles/19/04/24/how-apple-watch-went-from-rumor-to-shipping-product-on-april-24-2015?utm_medium=rss Apple AirPods Launched 7 Years ago in 2016 and Changed the World Lets see if we get an updated AirPod or not. https://appleinsider.com/articles/23/09/07/apple-launched-airpods-seven-years-ago-and-changed-the-world-again?utm_medium=rss Amazon to Discontinue Classic Kindle Mac App Whilst it Works on a New One Lets hope the replacement will actually be accessible later this year. https://9to5mac.com/2023/09/05/amazon-kindle-app-mac/ Microsoft is Discontinuing Wordpad After Almost 30 Years on the Job This always came in handy for reading RTF files which of course Notepad doesn't (txt files only). https://www.zdnet.com/article/microsoft-is-retiring-wordpad-after-almost-30-years-on-the-job/#ftag=RSSbaffb68 Google Search for an AI Future as it Turns 25 Surprises me that Google out of all of the main tech company's seems to be running last on the AI race. https://www.bbc.com/news/technology-66659361?at_medium=RSS&at_campaign=KARANGASupport this Vision Australia Radio program: https://www.visionaustralia.org/donate?src=radio&type=0&_ga=2.182040610.46191917.1644183916-1718358749.1627963141See omnystudio.com/listener for privacy information.
Visit our EVENTS PAGE on Gaia.com for more information about Gaia Events. How is the third eye connected with channeling? Through an examination of our pineal glands and shamanism, learn how we can access different dimensions and states of consciousness. Experts and experiencers discuss chakra systems and frequencies of being. From innate psychic abilities to psychedelic journeys, explore how we can gain deeper understanding and healing in harmony with the universe. Experts: Helané Wahbeh, ND, MCR, Marguerite Rigoglioso, Ph.D., Laura Alden Kamm, Jude Currivan, Shaman Durek, Bree Melanson, Sheila Gillette, Matías De Stefano, Aaron Abke, Darryl Anka, Mitch HorowitzVisit GaiaPodcast.com to unlock the powers of your own consciousness.
Spiritual Insights w/Charlotte Spicer—Spirituality & Metaphysics Talk Radio
Welcome to Guidance from Spirit: Channeled Messages from Beyond the Veil featuring Mother Mary, the Ascended Mother of Jesus, the Christ Child. Topic: I took some time off to accommodate a very painful process that was happening, and we discuss it here. Many Empaths can feel the Old Paradigm collapsing as we get closer to the New Age of Aquarius, which arrives on 12/21/2023. Mother Mary explains what is happening, what will change and the tools we need to support us. I recommend listening to this several times. Special Guest Co-Host Danielle Gibbons has served as a "Full Body" Channel for Mother Mary since 1994. Together, Mother Mary and Danielle inspire individuals to expand their consciousness through life-changing courses, retreats and on-line events. Join Danielle and Mother's community at BelovedPublications.com. Visit SpiritualInsightsRadio.com to book The Ultra Clearing session with Charlotte and The Divine Team! Let us excavate the Burdens that make your life difficult! Join the community to attend exclusive Online Events on Zoom! You'll find details and instructions on the Events Page. The Psychic & Metaphysics Free-for-AllThe Holy Trinity Guided Meditation (Guided by Yeshua, Channeled by Charlotte) Free to attend | Community Members Only
Spiritual Insights w/Charlotte Spicer—Spirituality & Metaphysics Talk Radio
Welcome to the Psychic & Metaphysics Free-for-All, a Spiritual Insights online event previously recorded on Zoom. Live calls are Not taken. The Free-for-All allows participants to tap into a variety of energetic skills I've cultivated in my lifetime, which include, but are not limited to: ChannelingMediumshipEnergetic HealingPast Life ExplorationCord Cutting (from other people in your life or past lives)Animal Communication/HealingRemoving Unwanted Spirits from your homeDream InterpretationSpiritual Advice/Assistance with Loved Ones/OthersA Course in Miracles™ (brief questions only)Synchronistic Interpretation: I can provide an interpretation of a synchronistic event or something strange that happened in waking life and how it reflects your conscious/subconscious Attendees of this event are members of the Spiritual Insights Community. If you would like to participate in a future Zoom event, whether the Psychic & Metaphysics Free-for-All, The Holy Trinity Guided Meditation (a guided experience with Yeshua/Jesus channeled by Charlotte) or A Course in Miracles Virtual Class, visit the Events Page at the website for details about how to join the community. Introducing The Ultra Clearing with Yeshua! A healing technique to Clear the Field and Unconscious of energies that keep you stuck! Book a Private Session with me at the website, SpiritualInsightsRadio.com! Free to attend | Donations Accepted | Community Members Only
Guest: Tracy Taylor, Vice President of the Seattle Animal Shelter Foundation Furry 5K Fun Run & Walk
Spiritual Insights w/Charlotte Spicer—Spirituality & Metaphysics Talk Radio
This is a fascinating transmission regarding the 2023 Spring Equinox. Divine Mother also explains Her role in the Universe and offers a surprising explanation to Charlotte's question about the levels of consciousness. Welcome to the Spiritual Insights Master Class Educational Series, Guidance from Spirit: Channeled Messages from Beyond the Veil, featuring Divine Mother. Divine Mother offers Her loving guidance in a monthly discourse to empower you to navigate life peacefully. She comes to us through Connie Viveros, a gifted intuitive, healer and spiritual teacher. Connie has served as Full Body Channel for Divine Mother since 2011 and offers spiritual coaching and mentoring, as well as online courses and workshops. Visit AngelsEmerging.com to register for Channeling Certification or to participate in Community Events: retreats, classes and online events. Charlotte is an Energetic Healer and Channel for Jesus and other members of the Divine. Visit SpiritualInsightsRadio.com to explore private session opportunities, including Sacred Clearing with the Archangels and private sessions with Yeshua and The Divine Team! Join the community to attend exclusive Online Events on Zoom! You'll find details and instructions on the Events Page. The Psychic & Metaphysics Free-for-AllThe Holy Trinity Guided Meditation (Guided by Yeshua, Channeled by Charlotte)
Register for the Virtual Film Fest via the Titanic Museum Attraction's Events Page here: https://titanicpigeonforge.com/titanic-pigeon-forge-events/#worldeventIf you're in Asheville, here's the info for the meetup March 16:Burial Beer Asheville Taproom6pm-7:30pmCome as you are, super casual!Support the showSupport Unsinkable on Patreon for as little as $1/month: https://www.patreon.com/unsinkablepodOr buy me a coffee!: https://www.buymeacoffee.com/labeadlesBuy Unsinkable shirts here!: https://www.bonfire.com/unsinkable-the-first-t-shirt/Support the pod via my Bookshop Storefront: https://bookshop.org/shop/unsinkablepodFind me on Instagram: https://www.instagram.com/unsinkablepod/Website: https://www.unsinkablepod.com
Spiritual Insights w/Charlotte Spicer—Spirituality & Metaphysics Talk Radio
Welcome to a Spiritual Insights segment where I get to introduce you to an amazing person, Michael R. Smith, PhD! For more than two decades, Michael has been empowering Empaths and Highly Sensitive People (aka HSPs) recognize and embrace their gifts and awaken them to their Divine potential. Dr. Smith holds a doctorate in psychology and counseling. A Spiritual Medium who spent 18 years working with indigenous healers around the world to deepen his knowledge, Michael serves as a guide for those at all levels of awakening. His community, The Empath Sanctuary, is a safe place for Empaths and HSPs to connect and grow together. Learn more at EmpathConnection.com. Visit SpiritualInsightsRadio.com to book a private session with Charlotte and The Divine Team! Release the energy of 2022 and connect with a new ability to manifest! Let's learn together! Join the community and receive an invitation to attend exclusive, free Online Events on Zoom! You'll find details and instructions on the Events Page. The Psychic & Metaphysics Free-for-AllThe Holy Trinity Guided Meditation (Guided by Yeshua, Channeled by Charlotte)A Course in Miracles Virtual Class Free to attend | No experience necessary | Community Members Only
Spiritual Insights w/Charlotte Spicer—Spirituality & Metaphysics Talk Radio
Welcome to Channeling the Divine withCharlotte Spicer, a segment dedicated to connecting you with Divine Guidance from Beyond the Veil. Charlotte is an Energetic Healer and Channel for Yeshua (Jesus) and other members of the Divine. Listeners are invited to call in for direct messages from Charlotte's personal Divine Council of Light, affectionately referred to as The Divine Team: Before calling in, ensure that your environment is free of noise and distractions. If this is the first time you're hearing of the show, listen to a few segments before calling in. Calls from a Google phone will no longer be accepted. Visit SpiritualInsightsRadio.com to book a private session with Charlotte and The Divine Team! A profound technique to clear blocks and help you Build the Momentum for Success is available! This technique reaches deep into your Energy Field to remove expired energies and outdated beliefs surrounding success, failure, lack and prosperity. Join the Spiritual Insights Community by subscribing to the newsletter to participate in free Online Events with Charlotte! Details can be found on the Events Page. The Psychic & Metaphysics Free-for-All (anything metaphysical goes!)The Holy Trinity Guided Meditation (a weekly experience Guided by Yeshua and Channeled by Charlotte)A Course in Miracles Virtual Class Community Members Only | Free to attend | No registration required
Spiritual Insights w/Charlotte Spicer—Spirituality & Metaphysics Talk Radio
Welcome to the Spiritual Insights Master Class Educational Series, Guidance from Spirit: Channeled Messages from Beyond the Veil featuring Mother Mary, the Ascended Mother of Jesus, the Christ Child. Topic: In 2020 and 2021, the pandemic caused a global shift in consciousness. For many, 2022 was difficult on a personal level. Charlotte shares her journey of transformation and discusses the clarity she's gained as a result of recent shifts. Special Guest Co-Host Danielle Gibbons has served as a "Full Body" Channel for Mother Mary since 1994. Together, Mother Mary and Danielle inspire individuals to expand their consciousness through life-changing courses, retreats and on-line events, including discourses on YouTube @MotherMaryChannel. Register for FREE School of Love at BelovedPublications.com. Visit SpiritualInsightsRadio.com to book a private session with Charlotte and The Divine Team! Release the energy of 2022 with a new technique to help you reach your goals! Join the community to receive an invitation to attend these exclusive Online Events on Zoom! You'll find details and instructions on the Events Page. The Psychic & Metaphysics Free-for-AllThe Holy Trinity Guided Meditation (Guided by Yeshua, Channeled by Charlotte)A Course in Miracles Virtual Class Free to attend | Community Members Only
Spiritual Insights w/Charlotte Spicer—Spirituality & Metaphysics Talk Radio
Welcome to the Spiritual Insights Master Class Educational Series, Guidance from Spirit: Channeled Messages from Beyond the Veil featuring Mother Mary, the Ascended Mother of Jesus, the Christ Child. Special Guest Co-Host Danielle Gibbons has served as a "Full Body" Channel for Mother Mary since 1994. Together, Mother Mary and Danielle inspire individuals to expand their consciousness through life-changing courses, retreats and on-line events, including pre-recorded and weekly livestream discourses on YouTube @ MotherMaryChannel. Learn more at BelovedPublications.com. Visit SpiritualInsightsRadio.com to book a private session with Charlotte and The Divine Team! A new technique to help you reach your goals and recover from setbacks is available! Join the community to receive an invitation to attend these exclusive Online Events on Zoom! You'll find details and instructions on the Events Page. The Psychic & Metaphysics Free-for-AllThe Holy Trinity Guided Meditation (Guided by Yeshua, Channeled by Charlotte)A Course in Miracles Virtual Class Free to attend | No registration required | No experience necessary
Spiritual Insights w/Charlotte Spicer—Spirituality & Metaphysics Talk Radio
Welcome to Channeling the Divine withCharlotte Spicer, a segment dedicated to connecting you with guidance from Beyond the Veil. Charlotte is an Energetic Healer and Channel for Yeshua (Jesus) and other members of the Divine. Listeners are invited to call in for direct messages from Charlotte's personal Divine Council of Light, affectionately referred to as The Divine Team, which includes: Yeshua, Mother Mary, Divine Mother (a Supreme Being/Divine Feminine Essence), Gaia (The Consciousness of Earth), Buddha, Kuan Yin, Mary Magdalene and others. Archangels present are Metatron, Michael, Zadkiel, Uriel, Raphael, Gabriel, Christielle (the feminine aspect of the Christ Consciousness) and others. Before calling in, ensure that you are in a quiet environment. One question per caller. Do not call from a moving vehicle. Visit SpiritualInsightsRadio.com to book a private session with Charlotte andThe Divine Team! Subscribe to the newsletter to join the community and receive an invitation to attend free Online Events and classes on Zoom! A Course in Miracles Virtual ClassThe Holy Trinity Guided Meditation (Guided by Yeshua/Channeled by Charlotte)The Psychic & Metaphysics Free-for-All (any and all topics are addressed) The next FFA is 12/10/22! You'll find details and scheduling information about these community gatherings on the Events Page. Free to attend | Community Members Only | No registration required
Spiritual Insights w/Charlotte Spicer—Spirituality & Metaphysics Talk Radio
Welcome to the Energetic Healing portion of Spiritual Insights with Charlotte Spicer, where listeners are invited to call in to receive free energetic assistance with regard to Employment and Financial Issues! On the 1st Thursday of each month, we will focus solely on those who need help improving their work, career or financial situations. Whether you feel unclear or stuck, call in to have the blocks and negative beliefs that keep you from moving forward removed from your energy field. Before calling in, ensure that you are in a quiet environment free of noise. Calls from moving vehicles are NOT taken. Please do not call in to this segment to ask about romantic relationships. Charlotte is an Energetic Healer and Channel for Jesus and other members of the Divine. Visit SpiritualInsightsRadio.com to book a private session with Charlotte and The Divine Team! A new Technique to clear blocks and help you Build the Momentum for Success is available! Subscribe to the newsletter to join the community and receive an invitation to attend these free Online Events on Zoom! A Course in Miracles Virtual ClassThe Holy Trinity Guided Meditation (Guided by Yeshua/Channeled by Charlotte)The Psychic & Metaphysics Free-for-All (any and all topics are addressed) The next FFA is 12/10/22! Learn details about these awesome community gatherings on the Events Page. Free to attend | Community Members Only | No registration required
Spiritual Insights w/Charlotte Spicer—Spirituality & Metaphysics Talk Radio
Welcome to the Spiritual Insights Master Class Educational Series, Guidance from Spirit: Channeled Messages from Beyond the Veil featuring Mother Mary, the Ascended Mother of Jesus, the Christ Child. Topic: As part of the Collective, we are all experiencing some intense emotions at this time. Mother explains how to best clear your energy field so that what you are processing belongs only to you, and she helps us understand how extending ourselves too far for others can be unhealthy. Special Guest Co-Host Danielle Gibbons has served as a "Full Body" Channel for Mother Mary since 1994. Together, Mother Mary and Danielle inspire individuals to expand their consciousness through life-changing courses, retreats and on-line events, including pre-recorded and weekly livestream discourses on YouTube @ MotherMaryChannel. Learn more at BelovedPublications.com. Visit SpiritualInsightsRadio.com to book a private session with Charlotte and The Divine Team! A new technique to help you reach your goals and recover from setbacks is available! Join the community to receive an invitation to attend these exclusive Online Events on Zoom! You'll find details and instructions on the Events Page. The Psychic & Metaphysics Free-for-AllThe Holy Trinity Guided Meditation (Guided by Yeshua, Channeled by Charlotte)A Course in Miracles Virtual Class Free to attend | No registration required
Spiritual Insights w/Charlotte Spicer—Spirituality & Metaphysics Talk Radio
This is the 10/11 broadcast rescheduled, due to technical issues. Welcome to Channeling the Divine withCharlotte Spicer, a segment dedicated to connecting you with Divine Guidance from Beyond the Veil. Charlotte is an Energetic Healer and Channel for Yeshua (Jesus) and other members of the Divine. Listeners are invited to call in for direct messages from Charlotte's personal Divine Council of Light, affectionately referred to as The Divine Team, which includes: Yeshua, Mother Mary, Divine Mother (a Supreme Being/Divine Feminine Essence), Gaia (The Consciousness of Earth), Buddha, Kuan Yin, Mary Magdalene and others. Archangels present are Metatron, Michael, Zadkiel, Uriel, Raphael, Gabriel and Christielle (the feminine aspect of the Christ Consciousness). Before you call in, be sure that your environment is quiet and free of distractions.One question per caller. Visit SpiritualInsightsRadio.com to book a private session with Charlotte andThe Divine Team! Subscribe to the newsletter to join the community and receive an invitation to attend these upcoming free, exclusive Special Online Events on Zoom! All details about these community gatherings can be found on the Events Page. A Course in Miracles The Holy Trinity Guided Meditation (Guided by Yeshua/Channeled by Charlotte) The Psychic & Metaphysics Free-for-All Free to attend | Community Members Only
Spiritual Insights w/Charlotte Spicer—Spirituality & Metaphysics Talk Radio
Welcome to the Spiritual Insights Master Class Educational Series, Guidance from Spirit: Channeled Messages from Beyond the Veil featuring Mother Mary, the Ascended Mother of Jesus, the Christ Child. Topic: Mother takes us deep into understanding the experience of true freedom. She helps us understand that while our rights are determined by the collective society, our freedom is not. What is the driving force behind deciding who should enjoy and who should be denied certain rights? And who determines our self-worth? Special Guest Co-Host Danielle Gibbons has served as a "Full Body" Channel for Mother Mary since 1994. Together, Mother Mary and Danielle offer life-changing courses, retreats and on-line events, including pre-recorded and weekly livestream discourses on YouTube @ MotherMaryChannel. Mother is currently leading a transformative series on the chakras! Join the community at BelovedPublications.com. Visit SpiritualInsightsRadio.com to book a private session with Charlotte and The Divine Team! And join us for these exclusive Online Events on Zoom! You'll find details on the Events Page. The Psychic & Metaphysics Free-for-AllThe Holy Trinity Guided Meditation (Guided by Yeshua, Channeled by Charlotte)A Course in Miracles Virtual Class Free to attend | No registration required | No experience necessary | Community Members Only
Spiritual Insights w/Charlotte Spicer—Spirituality & Metaphysics Talk Radio
Welcome to a special segment of Spiritual Insights!! My guest is Jill Nagle, a white anti-racist and interpersonal communication professional who runs workshops to help other white anti-racists assume leadership around dismantling white supremacy mythology, starting with having conversations with other white people. Jill reached out to be a guest and I jumped at the chance to have this conversation! I also ask her what she means by "mythology" and I loved her answer! A longtime student and teacher of transformation and evolution, Jill's background includes Untraining White Liberal Racism with Robert Horton, Challenging White Supremacy with Sharon Martinas, and multicultural alliance building with the National Coalition Building Institute. Jill founded Evolutionary Workplace and coaches, counsels and trains individuals, couples and groups. Visit Jill's website at EvolutionaryWorkplace.com and let her writing, personal appearances and interviews with other anti-racist leaders inspire you to have a positive impact on racial inequality in your various life environments. Visit SpiritualInsightsRadio.com to book a private energetic healing session with Charlotte. Participate in upcoming online events such as The Psychic & Metaphysics Free-for-All (anything goes in the FFA!!!) or The Holy Trinity Guided Meditation (Guided by Yeshua/Channeled by Char). Visit the Events Page at the website for details.
Spiritual Insights w/Charlotte Spicer—Spirituality & Metaphysics Talk Radio
Welcome to the Energetic Healing portion of Spiritual Insights with Charlotte Spicer, where listeners are invited to call in to receive free energetic assistance with regard to Employment and Financial Issues! On the 1st Thursday of each month, I will focus solely on those who need help improving their work, career or financial situations. Whether you feel unclear or stuck, stressed or angry, call in to have the blocks and negative beliefs that keep you from moving forward removed from your energy field. Please do not call in to ask about relationships. Before calling in, ensure that your environment is quiet and free of distractions. One question per caller. Visit SpiritualInsightsRadio.com to book a private session with Charlotte and The Divine Team! A new Technique to clear blocks and help you Build the Momentum for Success is available! Subscribe to the newsletter to join the community and receive an invitation to attend these upcoming Special Online Events on Zoom! A Course in Miracles Virtual ClassThe Holy Trinity Guided Meditation (Guided by Yeshua/Channeled by Charlotte)The Psychic & Metaphysics Free-for-All (twice per month) Learn details about these exclusive community gatherings on the Events Page. Free to attend | No registration required | No experience necessary | Community Members Only
Spiritual Insights w/Charlotte Spicer—Spirituality & Metaphysics Talk Radio
Welcome to Channeling the Divine withCharlotte Spicer, a segment dedicated to connecting you with Divine Guidance from Beyond the Veil. Charlotte is an Energetic Healer and Channel for Yeshua (Jesus) and other members of the Divine. Listeners are invited to call in for direct messages from Charlotte's personal Divine Council of Light, affectionately referred to as The Divine Team, which includes: Yeshua, Mother Mary, Divine Mother (a Supreme Being/Divine Feminine Essence), Gaia (The Consciousness of Earth), Buddha, Kuan Yin, Mary Magdalene and others. Archangels present are Metatron, Michael, Zadkiel, Uriel, Raphael, Gabriel and Christielle (the feminine aspect of the Christ Consciousness). Before calling in, please ensure that your environment is quiet and free of distractions. One question per caller. Visit SpiritualInsightsRadio.com to book a private session with Charlotte andThe Divine Team! Let us help you get unstuck! Subscribe to the newsletter to join the community and receive an invitation to attend these upcoming Special Online Events on Zoom! A Course in Miracles Virtual ClassThe Holy Trinity Guided Meditation (Guided by Yeshua/Channeled by Charlotte)The Psychic & Metaphysics Free-for-All (twice per month) Learn details about these awesome community gatherings on the Events Page. Free to attend | No registration required | No experience necessary | Community Members Only
Spiritual Insights w/Charlotte Spicer—Spirituality & Metaphysics Talk Radio
Welcome to The Psychic & Metaphysics Free-for-All, a Spiritual Insights online event recorded on Zoom. The Free-for-All allows participants to tap into a variety of energetic skills I've cultivated in my lifetime, which include, but are not limited to: Energetic HealingChannelingMediumshipPast Life ExplorationCord Cutting (from other people in your life or past lives)Animal Communication/HealingRemoving Unwanted Spirits from your homeDream InterpretationSynchronistic Interpretation: I can provide an interpretation of a synchronistic event or something strange that happened in waking life Visit SpiritualInsightsRadio.com to book a private session with Charlotte andTheDivineTeam! Attendees of this event are members of the Spiritual Insights Community. If you would like to participate in a future Zoom event, whether the Psychic & Metaphysics Free-for-All, The Holy Trinity Guided Meditation (a guided experience with Yeshua/Jesus channeled by Charlotte) or A Course in Miracles Virtual Class, visit the Events Page at the website for details and instructions. Community Members Only | Free to attend | No registration required | No experience necessary
Spiritual Insights w/Charlotte Spicer—Spirituality & Metaphysics Talk Radio
Welcome to the Spiritual Insights Master Class Educational Series, Guidance from Spirit: Channeled Messages from Beyond the Veil featuring Mother Mary. Topic: The world is changing, yet amid the constant fluctuations, we still try to achieve our goals in a way that is familiar. So, why is it not working? Why are satisfaction and fulfillment so elusive right now? Mother Mary shares the secret to finding stability — even as we face challenges. Danielle Gibbons has served as a "Full Body" Channel for Mother Mary since 1994. A Full Body Channel allows a Spirit or “Ascended Being” to inhabit their body to speak to human beings directly. Together, Mother Mary and Danielle inspire individuals to expand their consciousness through life-changing courses, retreats and on-line events, including pre-recorded and weekly livestream discourses on YouTube @ MotherMaryChannel. Learn more at BelovedPublications.com. Visit SpiritualInsightsRadio.com to book a private session with Charlotte andThe Divine Team!Join the community to receive an invitation to attend these free, exclusive Online Events on Zoom! You'll find details on the Events Page. I'd love to see you there! Saturday, September 17th at 6:00 pm Eastern: The Psychic & Metaphysics Free-for-All Wednesday, September 21st at 7:00 pm Eastern: The Holy Trinity Guided Meditation (Guided by Yeshua)
Spiritual Insights w/Charlotte Spicer—Spirituality & Metaphysics Talk Radio
Welcome to Channeling the Divine withCharlotte Spicer, a segment dedicated to connecting you with Divine Guidance from Beyond the Veil. Charlotte is an Energetic Healer and Channel for Jesus and other members of the Divine. Listeners are invited to call in for direct messages from Charlotte's personal Divine Council of Light, affectionately referred to as The Divine Team, which includes: Yeshua (aka Jesus), Mother Mary, Divine Mother (a Supreme Being/Divine Feminine Essence), Gaia (The Consciousness of Earth), Buddha, Kuan Yin and others. Archangels present are Metatron, Michael, Zadkiel, Uriel, Raphael, Gabriel and Christielle (the feminine aspect of the Christ Consciousness). To call in: Ensure a quiet environment, then dial (347) 934-0751 and press 1 on your keypad. One question per caller. Visit SpiritualInsightsRadio.com to book a private session! New Technique: Building the Momentum for Success! Subscribe to the newsletter to join the community and receive an invitation to attend these upcoming free, exclusive Special Online Events on Zoom! I'd love to see you there! Saturday, September 17th at 6:00 pm Eastern: The Psychic & Metaphysics Free-for-All Wednesday, September 21st at 7:00 pm Eastern: The Holy Trinity Guided Meditation (Guided by Yeshua) Learn details about these awesome community gatherings on the Events Page. Community Members Only | Free to attend | No registration required | No experience necessary
Spiritual Insights w/Charlotte Spicer—Spirituality & Metaphysics Talk Radio
Welcome to Channeling the Divine withCharlotte Spicer, a segment dedicated to connecting you with Divine Guidance from Beyond the Veil. Charlotte is an Energetic Healer and Channel for Jesus and other members of the Divine. Community members are invited to call in for direct messages from Charlotte's personal Divine Council of Light, affectionately referred to as The Divine Team, which includes: Yeshua (aka Jesus), Mother Mary, Divine Mother (a Supreme Being/Divine Feminine Essence), Gaia (The Consciousness of Earth), Buddha, Kuan Yin, Mary Magdalene and others. Archangels present are Metatron, Michael, Zadkiel, Uriel, Raphael, Gabriel and Christielle (the feminine aspect of the Christ Consciousness). Visit SpiritualInsightsRadio.com to book a private session with Charlotte and The Divine Team! New Technique: Building the Momentum for Success! Let the Divine Team help you clear blocks and old emotions about success and failure! Subscribe to the newsletter to join the community and receive an invitation to attend these upcoming free, exclusive Special Online Events on Zoom! I'd love to see you there! Saturday, September 17th at 6:00 pm Eastern: The Psychic & Metaphysics Free-for-All Wednesday, September 21st at 7:00 pm Eastern: The Holy Trinity Guided Meditation (Guided by Yeshua) Learn details about these awesome community gatherings on the Events Page. Community Members Only | Free to attend | No registration required | No experience necessary
Spiritual Insights w/Charlotte Spicer—Spirituality & Metaphysics Talk Radio
Welcome to the Energetic Healing portion of Spiritual Insights with Charlotte Spicer, where community members are invited to call in to receive free energetic assistance. This segment is Dedicated to Employment and Financial Issues! On the 1st Thursday of each month, I will focus solely on those who need help improving their work, career or financial situations. Whether you feel unclear or stuck, stressed or angry, call in to have the blocks and negative beliefs that keep you from moving forward removed from your energy field. To call in: Ensure a quiet environment, then dial (347) 934-0751 before the show goes live and press 1 on your keypad. One question per caller. Calls from moving vehicles are NOT taken. Charlotte is an Energetic Healer and Channel for Jesus and other members of the Divine. Visit SpiritualInsightsRadio.com to book a private session with Charlotte and The Divine Team! New Technique: Building Momentum for Success! Subscribe to the newsletter to join the community and receive an invitation to attend these upcoming free, exclusive Special Online Events on Zoom! I'd love to see you there! Saturday, September 17th at 6:00 pm Eastern: The Psychic & Metaphysics Free-for-All Wednesday, September 21st at 7:00 pm Eastern: The Holy Trinity Guided Meditation (Guided by Yeshua) Learn details about these awesome community gatherings on the Events Page. Community Members Only | Free to attend | No registration required | No experience necessary
Were the Wives able to tap into some sexy pole dancing energy? Tune into Part 2 to find out! In the last 20 years, pole dancing has become a mainstream fitness phenomenon and an excellent way for women to get in touch with their femininity and sensuality. If you are curious about whether pole dancing might be a fun activity to explore, this episode is a must listen! But first, the temps are up, so the drinks get nice and cold: the Strawberry Rum Slushie requires some freeze time so make it now and then tune into this episode's Hot Tale: Kat finally gets to play with the one that got away at the Dirty Disney party. Then, the Wives ice their bruises while recapping their Intro to Pole sessions. Finally, it's Just the Tips for anyone who wants to explore pole dancing. Pole dancing dates back to the 12th century in India and was originally practiced by mostly men, not women. It migrated over to the U.S. when exotic dancers from Egypt would perform as part of the traveling circus. The sexual aspect of it was introduced when dancers would try to entice viewers to come see their shows by dancing erotically. It actually wasn't until the 1980s that pole dancing became synonymous with bars and strip clubs. Pole Dancing combines dance and acrobatics centered on a vertical pole. This performance art form takes place not only in strip clubs as erotic dance, but also as a mainstream form of fitness. Amateur and professional pole dancing competitions are held in countries around the world. Pole dance requires significant muscular endurance and coordination, as well as sensuality. Today, pole performances by exotic dancers range from basic spins and striptease in more intimate clubs to athletic moves such as climbs, flips and body inversions. Pole Dancing is mostly about upper body and core strength and proper instruction and training is necessary to prevent injuries. Since the mid-2000s, promoters of pole dance fitness competitions have tried to change peoples' perception of pole dance to include pole fitness as a non-sexual form of dance and acrobatics and are trying to move pole into the Olympics as pole sports. Recognized schools and qualifications are now commonplace. Pole dancing enthusiasts are of all ages, it's never too late to get started. MENTIONED IN THIS EPISODE The Monogamish Marriage Average Swingers Casual Swingers Black and Kinky Podcast Swinger University 4ourPlay Podcast Bed Hoppers Life of Spice Coqueta Caliente TRAVEL WITH THE 2HOTWIVES Check out our EVENTS PAGE, for a chance to meet the 2HotWives in person, including: Desire Riviera Maya: August 2022 Bliss Cruise: November 2022 Keep checking back for new events.
Can the 2HotWives walk that middle path between polyamory and swinging? Tune in to Swolly Part 2 to find out. First, start with the episode's cocktail, the Blackberry Peach Fizz while Kat updates us on her sexy play time with a single guy. If you dig a little upscale restraint play, this hot tale is for you. Then, the Wives go deep on their journey toward Swolly. Swolly is a form of ethical non-monogamy, where a couple is open to both polysexual and polyamory extramarital relationships. Both Ams and Kat started their open marriage journey as "social swingers" with their husbands: they were looking for casual sexual experiences with other couples who were (or could be) friends, but emotionally intimate connections were off the table. As time went on, a deeper connection developed between the Wives and their husbands, which led to a lot of excitement, but also a lot of drama. In this episode, the Wives discuss that struggle openly to each other for the first time. Next, the Wives report back on their sexy homework: exploring independent dating and opening up to "the feels". Finally, it's Just the Tips for anyone who wants to explore swolly. Want to learn more about Polyamory? Check out our interview with Dr. Elisabeth Sheff, author of The Polyamorists Next Door. MENTIONED IN THIS EPISODE The Monogamish Marriage We Gotta Thing TRAVEL WITH THE 2HOTWIVES Check out our EVENTS PAGE, for a chance to meet the 2HotWives in person, including: Podcast a Palooza: June 2022 Desire Riviera Maya: August 2022 Bliss Cruise: November 2022
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