Podcasts about federal government

In the midst of the Great Depression, the City of St. Louis wanted to create a monument to the city's role in the westward expansion of the United States and general waterfront improvement. It took thirty years, but they eventually created their monument with the assistance of the Federal Government. When it was completed, it was a structure like no other on Earth.  It was a 660-foot-tall freestanding stainless steel arch. It required innovations not just in design and architecture, but in materials, construction, and even elevators.  Learn more about the Gateway Arch, how and why it was built, on this episode of Everything Everywhere Daily. Sponsors Quince Go to quince.com/daily for 365-day returns, plus free shipping on your order! Mint Mobile Get your 3-month Unlimited wireless plan for just 15 bucks a month at mintmobile.com/eed Stash Go to get.stash.com/EVERYTHING to see how you can receive $25 towards your first stock purchase. Newspaper.com Go to Newspapers.com to get a gift subscription for the family historian in your life! Subscribe to the podcast!  https://everything-everywhere.com/everything-everywhere-daily-podcast/ -------------------------------- Executive Producer: Charles Daniel Associate Producers: Austin Oetken & Cameron Kieffer   Become a supporter on Patreon: https://www.patreon.com/everythingeverywhere Discord Server: https://discord.gg/UkRUJFh Instagram: https://www.instagram.com/everythingeverywhere/ Facebook Group: https://www.facebook.com/groups/everythingeverywheredaily Twitter: https://twitter.com/everywheretrip Website: https://everything-everywhere.com/  Disce aliquid novi cotidie Learn more about your ad choices. Visit megaphone.fm/adchoices

The Crime Victims' Rights Act (CVRA) was supposed to guarantee fairness and transparency for victims—making sure they were informed, included, and respected in the legal process. But when Jeffrey Epstein came along, that promise evaporated. Federal prosecutors secretly cut a Non-Prosecution Agreement that protected not only Epstein but also his “potential co-conspirators,” violating the very law designed to stop such backroom deals. The victims weren't told; they found out months later from the press. The same Department of Justice that preaches accountability deliberately hid the deal, broke federal law, and then argued that the CVRA didn't apply because no federal charges were filed—an argument so twisted it turned their own crime into a loophole.Instead of punishment, Epstein got 13 months in county jail with daily work release, while the prosecutors who betrayed the victims got promotions. The courts sided with the government, ruling that since the feds never formally charged Epstein, the survivors technically weren't “victims” under the CVRA. The result was a legal farce that showed how easily the system bends for the powerful. The law that was supposed to protect victims ended up protecting predators, proving once again that in America, justice isn't blind—it just looks away when the wrong people are involved.to contact me:bobbycapucci@protonmail.com

The Crime Victims' Rights Act (CVRA) was supposed to guarantee fairness and transparency for victims—making sure they were informed, included, and respected in the legal process. But when Jeffrey Epstein came along, that promise evaporated. Federal prosecutors secretly cut a Non-Prosecution Agreement that protected not only Epstein but also his “potential co-conspirators,” violating the very law designed to stop such backroom deals. The victims weren't told; they found out months later from the press. The same Department of Justice that preaches accountability deliberately hid the deal, broke federal law, and then argued that the CVRA didn't apply because no federal charges were filed—an argument so twisted it turned their own crime into a loophole.Instead of punishment, Epstein got 13 months in county jail with daily work release, while the prosecutors who betrayed the victims got promotions. The courts sided with the government, ruling that since the feds never formally charged Epstein, the survivors technically weren't “victims” under the CVRA. The result was a legal farce that showed how easily the system bends for the powerful. The law that was supposed to protect victims ended up protecting predators, proving once again that in America, justice isn't blind—it just looks away when the wrong people are involved.to contact me:bobbycapucci@protonmail.com

In this episode of The Tudor Dixon Podcast, Congressman Tim Burchett joins Tudor for a candid look at Washington’s dysfunction amid the ongoing government shutdown. He shares his take on what’s driving leadership failures across generations, how political messaging has lost its punch, and why civic engagement from young Americans is critical to the nation’s future. Burchett also tackles the growing crises in education and public safety—calling out federal overreach and making the case for a return to local control and core American values. The Tudor Dixon Podcast is part of the Clay Travis & Buck Sexton Podcast Network. For more visit TudorDixonPodcast.comSee omnystudio.com/listener for privacy information.

As of today, the partial shutdown—now in its fifth day—continues to furlough approximately 34% of the civilian federal workforce, or about 750,000 employees out of a total of roughly 2.2 million (excluding active-duty military).

In this episode of Management Matters with James-Christian Blockwood, experts dive into the evolving challenges in election security and administration. Featuring insights from Kathleen Hale, Professor emerita of Political Science at Auburn University and Executive Director of the Election Center, and Derek Tisler, counsel and manager in the Elections and Government Program at the Brennan Center for Justice, the episode explores the shifting role of federal support, the importance of state and local level resources, the critical nature of community trust, and the innovations that are reshaping how elections are conducted. The discussion highlights the necessity of reliable funding, continuous technology updates, and robust information-sharing practices to ensure the integrity and resilience of the American election system.01:13 Exploring Election Security Challenges02:23 Federal Government's Role in Election Security03:39 Election Officials' Response to Security Gaps07:26 Building Trust and Resiliency in Elections14:09 Modernizing Election Systems19:07 Lessons from International Election Systems23:09 Future of Elections and Preparation25:49 Qualities of Great Election OfficialsManagement Matters is a presentation of the National Academy of Public Administration produced by Lizzie Alwan and Matt Hampton and edited by Matt Hampton. Support the Podcast Today at: donate@napawash.org or 202-347-3190Episode music: Hope by Mixaund | https://mixaund.bandcamp.comMusic promoted by https://www.free-stock-music.comFollow us on YouTube for clips and more: @NAPAWASH_YT

On this episode of ABL Live, we're talking the recent Chicago ICE raid that some falsely labeled as an action targeting black Americans, Sean "Diddy" Combs (Puff Daddy) being sentenced to about four years for the Cassie abuse case, the Federal Government shutdown, continued ICE and National Guard protests in Portland as well as other cities, the illegal alien superintendent in Iowa, and much more!

The Crime Victims' Rights Act (CVRA) was supposed to guarantee fairness and transparency for victims—making sure they were informed, included, and respected in the legal process. But when Jeffrey Epstein came along, that promise evaporated. Federal prosecutors secretly cut a Non-Prosecution Agreement that protected not only Epstein but also his “potential co-conspirators,” violating the very law designed to stop such backroom deals. The victims weren't told; they found out months later from the press. The same Department of Justice that preaches accountability deliberately hid the deal, broke federal law, and then argued that the CVRA didn't apply because no federal charges were filed—an argument so twisted it turned their own crime into a loophole.Instead of punishment, Epstein got 13 months in county jail with daily work release, while the prosecutors who betrayed the victims got promotions. The courts sided with the government, ruling that since the feds never formally charged Epstein, the survivors technically weren't “victims” under the CVRA. The result was a legal farce that showed how easily the system bends for the powerful. The law that was supposed to protect victims ended up protecting predators, proving once again that in America, justice isn't blind—it just looks away when the wrong people are involved.to contact me:bobbycapucci@protonmail.comBecome a supporter of this podcast: https://www.spreaker.com/podcast/the-epstein-chronicles--5003294/support.

The Crime Victims' Rights Act (CVRA) was supposed to guarantee fairness and transparency for victims—making sure they were informed, included, and respected in the legal process. But when Jeffrey Epstein came along, that promise evaporated. Federal prosecutors secretly cut a Non-Prosecution Agreement that protected not only Epstein but also his “potential co-conspirators,” violating the very law designed to stop such backroom deals. The victims weren't told; they found out months later from the press. The same Department of Justice that preaches accountability deliberately hid the deal, broke federal law, and then argued that the CVRA didn't apply because no federal charges were filed—an argument so twisted it turned their own crime into a loophole.Instead of punishment, Epstein got 13 months in county jail with daily work release, while the prosecutors who betrayed the victims got promotions. The courts sided with the government, ruling that since the feds never formally charged Epstein, the survivors technically weren't “victims” under the CVRA. The result was a legal farce that showed how easily the system bends for the powerful. The law that was supposed to protect victims ended up protecting predators, proving once again that in America, justice isn't blind—it just looks away when the wrong people are involved.to contact me:bobbycapucci@protonmail.comBecome a supporter of this podcast: https://www.spreaker.com/podcast/the-epstein-chronicles--5003294/support.

Mike Stephen learns about Chicago's new ordinance allowing accessory dwelling units in certain areas from Illinois Answers Project reporter Alex Nitkin, discusses the federal funding cuts to Chicago Public Schools with Chalkbeat Chicago bureau chief Becky Vevea, and gets the lowdown on how TaskForce works to promote inclusion on the city's West Side from communications director Hannah Pewee.

Welcome aboard Kyber Squadron! The Federal Government is shutdown, and the negotions were shorter than the start of Phantom Menace. Under that context, Andrés breaks down what a shutdown is, who is impacted, and why this one could be harder to untangle than previous shutdowns. Come for the political drama, stay for a WTF Did You Say segment full of spiciness! Follow us: Twitch: @Sithty_Minutes BlueSky: @sithtyminutes.bsky.social Discord: Sithty Minutes Show Notes: Bail Organa Mon Mothma DJ Rebuild the Galaxy US Farmers and Shutdown Healthcare Prices about to Skyrocket Johnson Sends House Home SCOTUS Hurts Shutdown Negotiations Gregory Jackson

The partial government shutdown now means two of the top five most important readouts on the economy will not be released on Friday, as scheduled. It's the newest count of the number of people on payrolls and the separate unemployment rate. Later, David speaks with "Marketplace" senior economics contributor Chris Farrell about new research suggesting there may be even more entrepreneurs in the U.S. than current data suggests.

The partial government shutdown now means two of the top five most important readouts on the economy will not be released on Friday, as scheduled. It's the newest count of the number of people on payrolls and the separate unemployment rate. Later, David speaks with "Marketplace" senior economics contributor Chris Farrell about new research suggesting there may be even more entrepreneurs in the U.S. than current data suggests.

Bay Wheels bikeshare in the East Bay lends ebikes for $20/month to qualified residents and $120 for everyone else, reports Bike East Bay co-Executive Director Justin Hu-Nguyen (1:05). Former San Francisco Supervisor Joel Engardio on being recalled by drive-happy voters over his support for converting a portion of the Great Highway into the new Sunset Dunes Park (7:08). Biking, BARTing, and e-scooting at 14 in the Bay Area: Quin Binzak (24:50). The Federal Government has taken away approved funding for bike and safe streets infrastructure, or, as it says, anything "hostile to cars." Caron Whitaker, E.D. of League of American Bicyclists, on its work with lawmakers. Also, League Certified Instructor training (29:56). Avoid stoking fear in our messaging, writes Dave Snyder in his bike advocacy newsletter (39:39). Charlie's News (42:15) It's getting darker, dynamo lights are awesome, and other light stuff from Battle Road Bikes mechanic Jim Cadenhead (45:03)

Fighting for you from the Foxhole of Freedom—   Number One— Car companies are scrambling to keep the EV subsidies in place to bail out their future profits— remember government payouts is not a business plan—   Number Two— The affordable care act is on the road to where we always told you it would be—trying to create single payer—because the premiums have gone wildly higher—   Number Three— Hundreds of thousands of job cuts are coming to the federal government if the Democrats continue to block funding—the Trump Administration is poised to make permanent cuts if the Dems continue to dig in their heels—

As Congress missed the deadline to pass a federal budget, more than 100,000 government workers in the commonwealth are now affected by the federal government shutdown. Today marks three entire months without a state budget. Pennsylvania’s counties, school districts and social service agencies are warning of mounting layoffs, borrowing costs and damage to the safety net, as the politically divided state government enters its fourth month of a budget stalemate. October 1st was also a milestone for WITF. For the first time in more than 50 years, public media is now operating without federal funding. For WITF, this moment is about our responsibility to YOU the public, across a 19-county area of central Pennsylvania. Planned Parenthood agencies nationwide can no longer bill Medicaid for providing basic medical care due to Congressional Republicans’ tax and spending law. Central Pennsylvania’s clinics say they will keep their doors open even as the cuts are reducing access to care around the country. In a 4-3 decision, the Pennsylvania Supreme Court has ruled that voters who cast their ballot by mail must be notified if a ballot is rejected due to an incorrect date missing signature or similar issue. A federal judge has ruled that Pennsylvania will be shielded -- at least for now-- from losing millions of dollars in food-stamp benefits. In uncertain times, our community counts on facts, not noise. Support the journalism and programming that keep you informed. Donate now at www.witf.org/givenow. Support WITF: https://www.witf.org/support/give-now/See omnystudio.com/listener for privacy information.

On Thursday's show: Much of the federal government is shut down after Senate Republicans and Democrats failed to agree on a spending bill to keep the government open. Houston Rep. Lizzie Fletcher joins us to discuss the implications and what it would take to reopen.Also this hour: We learn about a program from Houston Methodist and Rice University to train Houston students and teachers to shape the future of digital health.And we preview the Nigeria Cultural Parade and Festival, which takes place this Saturday, Oct. 4, in downtown Houston.Watch

You're listening to American Ground Radio with Stephen Parr and Louis R. Avallone. This is the full show for October 1, 2025. 0:30 In a massive Illinois ICE operation called Operation Midway Blitz, over 800 illegal alien criminals were arrested in one coordinated sweep.These weren’t first-time visa overstays. We’re talking about gang members, drug traffickers, sexual predators, and violent offenders—people no community should be forced to live next to. Yet, thanks to Illinois’ sanctuary policies, these criminals were shielded from removal until federal agents stepped in. We break down the operation and why the stakes are so high for Americans and our safety. 9:44 Plus, we cover the Top 3 Things You Need to Know. Democrats voted to shut down the Federal Government last night, repeatedly voting against passing a continuing resolution to keep the government funded through November 7th. The Trump administration is suing LA County in California for violating the 2nd Amendment. The US Citizenship and Immigration Services department announced the results of Operation Twin Shield. 12:30 Get Brain Reward from Victory Nutrition International for 20% off. Go to vni.life/agr and use the promo code AGR20. 13:30 We unpack the new American Pope's criticism of President Donald Trump where he suggested that enforcing immigration laws is somehow at odds with being pro-life. We also dive into the controversy surrounding the Archdiocese of Chicago honoring Senator Dick Durbin, a Catholic politician who openly supports abortion, with a “lifetime achievement award.” 16:30 We ask American Mamas Teri Netterville and Kimberly Burleson about parents who put their kids in travel sports. Are they just living vicariously through their kids? Our American Mamas say there’s a lot more to the story. From the sacrifices families make, to the friendships built on the road, to the competitive edge required just to make a Texas high school team, travel sports can be a pathway to scholarships, memories, and life lessons. If you'd like to ask our American Mamas a question, go to our website, AmericanGroundRadio.com/mamas and click on the Ask the Mamas button. 23:00 In Memphis, President Trump has deployed the National Guard alongside federal agents—working with Tennessee’s Republican Governor Bill Lee—to crack down on violent crime. Within just 48 hours, the operation led to 53 arrests and 20 illegal guns seized. But instead of welcoming the results, Democrats remain silent—or outright protest. Why? We break down why the left won’t credit Trump’s actions, the political games behind crime and safety, and how real families in Memphis are the ones who stand to benefit. 26:45 New voter registration data from Decision Desk HQ reveals a stunning shift: since Election Day last year, over 2.1 million names have been purged from U.S. voter rolls. We Dig Deep into what the numbers really mean, why voter roll maintenance matters, and how the push for automatic registration could be fueling fraudulent enrollments. We also examine why Democrats resist voter ID laws, the risks to election integrity, and how trust in the system erodes when the numbers don’t add up. 32:30 Get NSorb from Victory Nutrition International for 20% off. Go to vni.life/agr and use the promo code AGR20. 33:30 The Biden-era green agenda just took a major hit — and it’s Democrats’ own fault. The Office of Management and Budget (OMB) has announced the cancellation of $8 billion in green energy funding, wiping out a huge chunk of what critics call “slush funds for climate activists.” Democrats refused to pass a continuing resolution, betting that a government shutdown would hurt Republicans and President Trump politically. Instead, OMB Director Russ Vought wielded the budget axe — and the cuts landed squarely on the Green New Deal. 36:35 Plus, having a sense of purpose may protect your brain health, and that's a Bright Spot. In new study in the Journal of Geriatric Psychology, researchers found that people who felt their lives had meaning were less likely to develop dementia or Alzheimer’s even if they carried the APOE4 gene, a major risk factor. 40:30 Massive immigration raids are underway in Chicago, and former ICE Director Tom Homan says the strategy is simple: target the cities that resist federal immigration enforcement the most. From Los Angeles to Chicago, so-called “sanctuary cities” have become magnets for illegal immigration, gangs, and crime—and Tom Homan is saying "Whoa!" 42:30 And we finish off with a school community who came together to support their school's security guard. Follow us: americangroundradio.com Facebook: facebook.com / AmericanGroundRadio Instagram: instagram.com/americangroundradio Links: Trump Admin Official Says Government Shutdown an Opportunity for Mass Layoffs https://x.com/DC_Draino/status/1973080318631432651 USCIS Announces Results of Operation Twin Shield, a Large-Scale Immigration Fraud Investigation Democrats Lose Over 1.3 Million Voters Since 2024 Election Life Purpose Lowers Risk for Cognitive Impairment in a United States Population-Based Cohort Living With Purpose May Protect Your Brain From Dementia, Shows Huge New Study See omnystudio.com/listener for privacy information.

The federal government is currently shut down because of a deadlock in the senate over a spending bill.  Sen. John Curtis, R-UT, joined Jeff Caplan to discuss the holdup, what needs to happen to get a spending bill passed, and how long it might take to do so.  

Federal government shuts down as Congress remains deadlocked on spending bill Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Today on AirTalk, the Government is shut down. What now?; The Justice Department sues the LA Sheriff's Department over concealed carry licenses; Pete Hegseth's military speech and a special AirTalk live event from the Bowers Museum. Today on AirTalk, Government shutdown (0:15) Justice Department sues LA Sheriff's office (15:49) Reactions to Pete Hegseth's military speech (34:36) AirTalk Live at the Bowers Museum (51:14) Visit www.preppi.com/LAist to receive a FREE Preppi Emergency Kit (with any purchase over $100) and be prepared for the next wildfire, earthquake or emergency!

Here we are, once again; our Federal Government is shut down and while Democrats want to hold firm for health care and Republicans want colleagues to cross the aisle, the president sees this as an opportunity to do what he does best: inflict pain on regular folks like you and me. Ascension Hospital has exited United Healthcare and this is a big deal, so we speak with Dr. Kristin Lyerly about what this means for patients and doctors. And the Republicans are keeping a dually elected individual from being sworn into the congress, which is delaying the release of The Epstein Files. As always, thank you for listening, texting and calling, we couldn't do this without you! Don't forget to download the free Civic Media app and take us wherever you are in the world! Matenaer On Air is a part of the Civic Media radio network and airs weekday mornings from 9-11 across the state. Subscribe to the podcast to be sure not to miss out on a single episode! You can also rate us on your podcast distribution center of choice. It goes a long way! Guest: Dr. Kristin Lyerly

It's Oct. 1 and Congress has failed to pass appropriations for fiscal year 2026. And you know what that means: the federal government has shut down. For the first time since 2019, also during a Trump administration, federal appropriations have lapsed, resulting in furloughs for hundreds of thousands of federal employees and contractors and the halting of many agency operations. Only “excepted employees” and federal workers who are “exempt” from furlough may perform work until the current lapse in appropriations is over. Though Washington has experienced a number of shutdowns and shutdown threats in recent memory, the politically combative climate surrounding this one is much more amplified. The Trump administration has already threatened to use the shutdown to permanently cut jobs that aren't aligned with the president's agenda. And so far, neither party seems willing to budge, with many pundits speculating the lapse could drag on long-term without an agreement between Republicans — who control both houses in Congress and the White House — and Democrats. But one thing is clear: Until that agreement is reached, many of the federal government's most important missions will operate at less than full capacity, including in areas like cybersecurity. FedScoop will keep you informed as the battle around the shutdown continues. The Trump administration's sweeping U.S. military shakeup is expected to gain momentum in the months to come — with more leadership changes, major acquisition updates and possible personnel cuts in the Pentagon's pipeline, Defense Secretary Pete Hegseth suggested during an unusual gathering of military brass Tuesday. At the “key leaders all-call” meeting with hundreds of top generals and admirals summoned from around the world at Marine Corps Base Quantico, Hegseth and President Donald Trump unveiled a broad docket of new and forthcoming directives meant to reflect their overarching vision for “woke”-ending reforms. Trump said: “We will not be politically correct when it comes to defending American freedom. We will be a fighting and winning machine. We want to fight, we want to win, and we want to fight as little as possible.” Theories swirled about the intent behind this mass gathering after Hegseth hastily ordered it last week. In the portion that was publicly livestreamed, Hegseth outlined his plans for policy shifts — via 10 directives — around physical fitness and grooming standards, mandatory training, oversight processes, records retention rules and more. The Daily Scoop Podcast is available every Monday-Friday afternoon. If you want to hear more of the latest from Washington, subscribe to The Daily Scoop Podcast  on Apple Podcasts, Soundcloud, Spotify and YouTube.

Missouri will seek a waiver from the Federal Government, so that your tax dollars are not paying for people to eat and drink free sugar on your dime.

The government has shut down for the first time in nearly seven years after not being able to reach a funding deal by midnight. How will this move impact federal workers in Illinois and the many people in the state, who rely on federal benefits? The 21st Show is Illinois' statewide weekday public radio talk show, connecting Illinois and bringing you the news, culture, and stories that matter to the 21st state. Have thoughts on the show or one of our episodes, or want to share an idea for something we should talk about? Send us an email: talk@21stshow.org. If you'd like to have your say as we're planning conversations, join our texting group! Just send the word "TALK" to (217) 803-0730. Subscribe to our podcast and hear our latest conversations. Apple Podcasts: https://podcasts.apple.com/us/podcast Spotify: https://open.spotify.com/show/6PT6pb0 Find past segments, links to our social media and more at our website: 21stshow.org.

The U.S. Federal Government has ground to a halt in what's known as a ‘shutdown'. But, what exactly does that mean, and why does it keep happening?To help make sense of it all, Seán is joined by Scott Lucas, Professor of International Politics at the Clinton Institute in UCD.

How much are the changes to the GST distribution scheme costing the Federal Government, and how have we allowed it to blow out to the behemoth that it has become? 

The Federal Government is denying its Home Guarantee Scheme will greatly increase property prices.

Some fascinating comments from the veteran crime writer!See omnystudio.com/listener for privacy information.

Missouri Congressman Wesley Bell joins Chris and Amy on the 1st day of a Federal Government shutdown. He says his 'line in the sand is soaring healthcare costs,' and higher prices all around. (Photo by Annabelle Gordon/Sipa USA).

Big 3 Stories: The Federal Government has shutdown & Layoffs Probable, The Dept. Of War, And a Ross Park Shooting full 173 Wed, 01 Oct 2025 12:09:50 +0000 lwuFkBaTmiEaFCqRzPD5LvPSqQ7vMJPq news,a-newscasts,top picks The Big K Morning Show news,a-newscasts,top picks Big 3 Stories: The Federal Government has shutdown & Layoffs Probable, The Dept. Of War, And a Ross Park Shooting The Big K Morning Show 2024 © 2021 Audacy, Inc. News News News News news News News News News News False

A government shutdown looks inevitable as the clock ticks towards tonight's deadline. Congressional leaders met with President Trump for over an hour this afternoon but left without a deal. Democrats say they are fighting for healthcare for Americans and Republicans want to extend current funding but with no extras. FOX's Ryan Schmelz speaks with House Republican Conference Chairwoman Rep. Lisa McClain (R-MI) who says both parties are ready for a showdown over funding not policy. Click Here⁠⁠⁠⁠⁠⁠⁠ To Follow 'The FOX News Rundown: Evening Edition' Learn more about your ad choices. Visit podcastchoices.com/adchoices

The countdown to a shutdown is on. Can Democrats and Republicans come to an agreement? Or will they play political games with the livelihoods of thousands of Americans? Jason talks with political reporter Aaron Blake.

A government shutdown looks inevitable as the clock ticks towards tonight's deadline. Congressional leaders met with President Trump for over an hour this afternoon but left without a deal. Democrats say they are fighting for healthcare for Americans and Republicans want to extend current funding but with no extras. FOX's Ryan Schmelz speaks with House Republican Conference Chairwoman Rep. Lisa McClain (R-MI) who says both parties are ready for a showdown over funding not policy. Click Here⁠⁠⁠⁠⁠⁠⁠ To Follow 'The FOX News Rundown: Evening Edition' Learn more about your ad choices. Visit podcastchoices.com/adchoices

Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society.   In this episode, Justin interviews James Swanke, Lecturer in Risk and Insurance at the University of Wisconsin-Madison's Wisconsin School of Business. He currently serves as Director of the Risk Management and Insurance MBA program. Justin and Jim talk about his 42 years of experience in Risk Consulting with Willis Towers Watson, and his specialties there, particularly with captives. They discuss the University of Wisconsin-Madison Risk Management and Insurance MBA program, what the students learn, and the competitions they have won in the last year, and they look forward to winning this year. Also, Jim tells of disc jockeying in college, from Classic Rock to Polka.   Listen to learn about captive design, how to prepare for emerging trends, and who wrote the best music of the '70s.   Key Takeaways: [:01] About RIMS and RIMScast. [:17] About this episode of RIMScast. This is our special International Podcast Day episode because it's released on September 30th. We will be joined by Jim Swanke. He's a lecturer in the Risk Management Program of the University of Wisconsin. [:46] Jim started his career in broadcasting, and he still has the voice. We've got a lot to talk about today! [:54] RIMS-CRMP Prep Workshops! The next RIMS CRMP Prep Workshops will be held on October 29th and 30th and led by John Button. [1:06] The next RIMS-CRMP-FED Virtual Workshop will be held on November 11th and 12th and led by Joseph Mayo. Links to these courses can be found through the Certifications page of RIMS.org and through this episode's show notes. [1:23] RIMS Virtual Workshops! RIMS has launched a new course, “Intro to ERM for Senior Leaders.” It will be held again on November 4th and 5th and will be led by Elise Farnham. [1:39] On November 11th and 12th, Chris Hansen will lead “Fundamentals of Insurance”. It features everything you've always wanted to know about insurance but were afraid to ask. Fear not; ask Chris Hansen! RIMS members always enjoy deep discounts on virtual workshops! [1:58] 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. [2:09] Several RIMS Webinars are being hosted this Fall. On October 9th, Global Risk Consultants returns to deliver “Natural Hazards: A Data-Driven Guide to Improving Resilience and Risk Financing Outcomes”. [2:22] On October 16th, Zurich returns to deliver “Jury Dynamics: How Juries Shape Today's Legal Landscape”. On October 30th, Swiss Re will present “Parametric Insurance: Providing Financial Certainty in Uncertain Times”. [2:39] On November 6th, HUB will present “Geopolitical Whiplash — Building Resilient Global Risk Programs in an Unstable World”. Register at RIMS.org/Webinars. [2:51] We're very excited that today is International Podcast Day! Before we celebrate, I wanted to take a moment to acknowledge and mourn the passing of Todd Cochrane. Todd was a podcast pioneer. [3:06] I've linked in this episode's show notes to a wonderful obituary from Podnews®, about his career, starting with his time in the Navy up to launching his own podcast, and writing Podcasting: The Do It Yourself Guide, from Wiley Publishing in 2005. [3:25] Over the last couple of months, I've had the pleasure of communicating with Todd over email for the Podcast Awards, and it was only last week that I saw the unfortunate news of his passing, which occurred suddenly on September 8th. [3:30] Our condolences go out to his family, friends, and the greater podcasting industry. [3:47] On with the show! This is our special International Podcast Day episode, and I am delighted to be joined by James Swanke, the Director of the Risk Management and Insurance MBA Program at the Wisconsin School of Business at the University of Wisconsin-Madison. [4:06] Jim spent four decades at WTW, specializing in financial and strategic planning issues, as well as captive insurance company design. [4:18] Jim was recently quoted in a new professional report, available on the RIMS Risk Knowledge page, and sponsored by LineSlip Solutions, titled “The Future of Captive Insurance: Governance, Technology, and Performance Optimization.” [4:32] Jim got his start at the University of Wisconsin in broadcasting. We're going to talk about his career path and how being a disc jockey led him to where he is today, educating the next generation of risk professionals. Let's get to it! [4:50] Interview! Jim Swanke, welcome to RIMScast! [5:38] When Jim was in high school, he competed in forensics, in extemporaneous speaking. He did very well. He did well at the University of Wisconsin-Madison, and it got put in the newspaper. WLDY, in Ladysmith, Wisconsin, saw it in the newspaper and contacted him. [6:03] They were looking for a radio jock to “spin vinyls,” do some DJing, and read sports and news. That job helped Jim get into the University of Wisconsin-Madison. [6:21] Jim studied actuarial science and risk management. He went into the Bachelor's program, the MBA program, and the graduate program in risk management, insurance, and corporate finance. [6:40] Jim was hired by the Wyatt Company and did lots of feasibility studies. After 42 years at Willis Towers Watson, he retired. Now he teaches at the University of Wisconsin-Madison. [6:57] Broadcasting set Jim on his path. He says that everything about what we do in the captive and risk management area is about communication. If you're not communicating, listening, helping out, and building stuff, you're not going to be a success. [7:28] When Jim was a DJ at WLDY, they played different kinds of music. On Sundays, he played polka music. On Saturdays, it was country western, and Monday through Friday, it was rock music. Rock music is what he enjoys. At the top of every hour, he did the news and weather. [8:13] Justin recalls his own career. He was just waiting for podcasting to be invented, then he was able to make it all work out. [8:31] Jim worked with captives at Willis Towers Watson. He is quoted in a new LineSlip paper, “The Future of Captive Insurance: Governance, Technology, and Performance Optimization.” Justin saw his name there and thought it would be good to have him on RIMScast. [8:53] Jim described captives as a lifeline during extreme market conditions, comparing today's hard market to the turbulence of the 1980s. Jim tells what makes captives effective under hard conditions. Captives allow organizations to control their own destiny. [9:20] When you're in a hard market, having a captive allows you to take premiums that you normally pay to a commercial insurance carrier and put them into your captive insurance company. A captive is a subsidiary of the captive owner. [9:41] Most of the Fortune 500 companies in the United States have a captive. It allows them to arbitrage whatever's going on in the insurance marketplace. When we're having a difficult market, they put more of their premiums into the captive and rely on the captive more. [9:58] When the market softens, carriers may provide insurance at premiums that are lower than the expected losses. Organizations will buy commercial insurance all the time when the premiums are less than their projected losses. [10:14] Depending on where it is in the market, a captive has a role in an organization's risk management program. [10:27] Jim says a lot of organizations have looked to captives since 2020. We were in the midst of the pandemic, with all kinds of economic hardship. The insurance industry was in despair, as well. A lot of insurance companies cut back on the limits they were willing to offer. [10:49] Insurance companies put additional exclusions onto their insurance, so organizations had to rely on their own sophisticated ways of financing their losses. If they hadn't set up a captive, they set up a captive. If they had a captive in the past, they re-engineered it to do more. [11:15] They also used their captives to access the reinsurance marketplace. Reinsurance is insurance for insurance companies. A captive can be used as a platform to access reinsurers. [11:37] Even in difficult markets, having reinsurers involved created more competition, provided more limits, and there was more flexibility in the coverage terms. [11:48] That was when the pandemic was going on, which triggered the hardening of the market and the lack of availability of insurance. Organizations with captives relied on them and did more. Organizations without captives had captive feasibility studies done and formed captives. [12:09] Jim says the CEO of a captive should be a senior person who will monitor what's going on, fairly senior in the organization. It's not a full-time position. It takes three or four hours a month, plus board meetings. [12:46] A captive is required to have a captive manager, who is an accountant. They keep the books and interface for the captive with the regulator. The President or CEO of the captive relies on the captive manager to do a lot of the daily work. [13:09] Jim says you need a senior person involved so people take the captive seriously. The senior person is going to be the driver in reducing the severity of loss through loss prevention and loss reduction. Having a senior person is so important to the success of the captive. [13:40] There are lots of considerations when you're looking to make changes to your captive. Changes could include adding emerging types of risks, like cyber risk. If you're a hospital, a lot of medical malpractice captives have been hugely successful and have grown surplus. [14:08] Healthcare institutions are passing on some of their capitated risk exposures into their captives because they've done quite well with their medical malpractice. These risks are not correlated with each other, so there is a diversification benefit. [14:22] As you look to make these changes, you need to look at increasing risk assumptions, different attachment points on reinsurance, and changing your investment policy. You have lots of levers, and if you make changes, you need to analyze what the impact will be on your captive. [14:52] Jim talks about leaning into technology. Before 9/11, we didn't have the sophisticated software we've created in the last few years. [15:06] To look at covering all the possibilities and changing your captives, from adding new coverages to reinsurance reattachment points, was a monumental amount of actuarial work to figure out how to optimize your captive. [15:19] Recently developed software looks at all the possibilities in terms of changing your captive to optimize what you're doing. 20 years ago, Jim would spend months doing the actuarial work, working with an investment bank and charging them heavy fees. [15:39] Now, with new software, what took Jim months and months to do can be done in a matter of two to three days. The productivity today, in terms of optimizing your captive, is far greater than it was 20 years ago, because of the software that has been developed. [15:55] Jim likes that the software looks at all the risks and how these risks interact with one another. Looking at risks in a captive holistically is very important because many of these risks are hardly correlated with one another. [16:15] Looking at risks holistically, you can figure out the diversification benefit of having all of these risks within your captive, which has a major impact on the amount of economic capital that your captive will need to maintain. This software has been a game-changer. [16:34] RIMS Events! 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! [16:55] On November 17th and 18th, join us in Seattle, Washington, for the RIMS ERM Conference 2025. The agenda is live. Check out Episode 357 for Justin's dialogue with ERM Conference Keynote Presenter Dan Chuparkoff on AI and the future of risk. [17:14] Visit the Events page of RIMS.org to register. [17:17] 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 you register by September 30th! [17:32] 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! Do not miss out on this chance to plan and score some of these extra perks! [17:46] The members-only registration link is on this episode's show notes. If you are not yet a member, this is the time to join us! Visit RIMS.org/Membership and build your network with us here at RIMS! [17:56] If you are listening to RIMScast on our broadcast day, that means today is September 30th. It is last call for registration at the Earlybird rate! [18:08] In the spirit of it being September 30th, which is International Podcast Day, let's return to our interview with Jim Swanke! [18:22] Jim is the Director of the Risk Management and Insurance MBA at the University of Wisconsin-Madison. The curriculum includes technology, AI, and automation. In his classes, Jim is using the new software he discussed earlier. [18:46] Jim taught a class the day before on the principles of risk management. He talked about how risks are interrelated with each other and how you need to analyze them holistically, figuring out how they are correlated, not in siloes. [19:13] The holistic view will give you the best answer in terms of the economic capital that will be required to put into your captive. If you're analyzing risks silo by silo for each risk, that will lead you to having more economic capital in your captive than you need. [19:35] Jim has learned, in 42 years of consulting, that the CFOs in these organizations don't want to trap cash in their captives. Teaching this software to this new generation of students, they will be able to step into the roles of captive managers that the industry will need. [20:07] We're at the tip of the iceberg with AI. We're still learning in Academia what the power of AI is going to be. Jim foresees AI being very important in handling claims and in underwriting. [20:30] AI will allow commercial insurance companies to have a better way of doing their pricing and making decisions on whether or not risks should be accepted. It will also be beneficial to captives. [20:43] Jim thinks AI will advance the technology far ahead. We're just beginning to touch on some of the advantages within the insurance industry and within captives. [21:05] Jim started teaching in 2011. When University of Wisconsin-Madison Professor Dan Anderson retired, Jim was chosen to teach a class on sustainability that was started by Professor Anderson. He has taught it since 2011. [21:41] At the time, some students did not think anything was going on with climate change. A couple of students stood up in class and said all of this was just made up. It was a fantasy. [22:03] Today, when Jim goes into class, students are there a half-hour early and stay late. They are very connected and working together to figure out how to reduce CO2 emissions to slow down the heating of the planet and the extreme weather events that are coming more often. [22:24] The class has evolved over the years, and the students are more engaged than they ever have been. [22:33] The students from the University of Wisconsin-Madison were the winners of the Spencer-RIMS Risk Management Challenge at RISKWORLD 2025 in Chicago. Jim knows all of those students and had a couple of them in his class yesterday. [23:04] The students won with the Huntington, West Virginia case study, a six-month project. Huntington is on the Ohio River, and with extreme weather events, flooding has become a big issue in that community. They competed with students around the world to solve the issue. [23:49] Each school's team came up with things that could be done and conducted an analysis on what they thought was the best way of handling it. The University of Wisconsin-Madison's team focused on resiliency with levees and dikes to hold back the flooding. [24:27] The four Wisconsin students presented their paper and won, out of 61 schools competing. The University of Wisconsin-Madison received $10K. The second-place university, DePaul, received $7.5K, and the third-place school, IIRM Hyderabad (past year winner), got $5K. [25:04] The University of Wisconsin-Madison team entered two other contests last year and won them both. The CICA Captive competition involved case studies around Kaneka captives. It required an essay and a PowerPoint deck. [25:52] The MBA students entered the A.M. Best competition for insurance solutions to a global issue. The students used a combination of parametric and indemnity triggers to provide insurance to the disadvantaged in the Caribbean and Latin America. [26:23] If there was hurricane damage, it would trigger a parametric to allow an amount of money to be paid immediately to these disadvantaged families. Then there would be the indemnity insurance that would look at the actual losses and true them up to the loss amount. [26:49] It involved the combination of parametrics and conventional indemnity insurance, which was noteworthy and probably pushed the team over the top. [27:11] The professor who was the advisor in the Spencer Challenge is Carl Barlett. Carl is an attorney by training, and he has the energy to work with bachelor's students. He's graduated hundreds of people out of his program over the last four or five years. [27:59] The University has Career Fairs where 60 or 70 companies will come to meet with students. That's a credit to Carl. Not a lot of companies will come to a university to meet with students. Because of the program he put together, lots of organizations want to hire students. [28:21] The University of Wisconsin-Madison business school is typically ranked number 1. [28:31] A Final Break! The Spencer Educational Foundation's goal to help build a talent pipeline of risk management and insurance professionals is achieved, in part, by its collaboration with risk management and insurance educators across the U.S. and Canada. [28:50] Since 1999, Spencer has awarded over $2.9 million to create more than 570 Risk Management Internships. The Internship Grants application process is now open through October 15th, 2025. [29:06] To be eligible, risk managers must be based in the U.S., Canada, or Bermuda. A link to the Internship Grants page is in this episode's show notes. You can always visit SpencerEd.org, as well. [29:19] Let's Get Back to Our Interview with Jim Swanke of the University of Wisconsin-Madison! [29:46] Jim tells his students that we don't know today what the emerging risks are going to be. What we need to do is design our risk management program and keep our eyes and ears open to what is going to happen next. [30:04] Jim cites The Black Swan, by Nassim Nicholas Taleb. It gets into what we need to do as people of risk management and societies to try to identify the emerging risks that will impact us going forward. [30:21] In risk management, we look at the past to try to project what's going to happen in the future. We were caught by the pandemic. Very little business interruption insurance was offered. If we had been forward-thinking, we would have thought about coverages for the emerging risks. [31:19] An emerging risk after 9/11 was that insurance companies put exclusions on their insurance policies, excluding terrorism. The Federal Government passed the Terrorism Risk Insurance Act (TRIA) and offered it as a backstop to insurance companies. [31:55] Anybody with a captive could access that reinsurance through the U.S. Treasury, using their captive insurance company. [32:23] Jim sees more employee benefits going into captives. The advantages you have in the P&C area are also in place for employee benefits. Organizations with large workers' compensation self-insurance programs are putting excess workers' compensation into captives. [32:57] Jim says you need to be nimble and on your toes. Emerging risks are going to come out over the next 10 to 15 or 20 years. Keep your eyes and ears open so when they emerge, you can deal with them to reduce the frequency and severity of loss and see how to finance them. [33:19] Jim highly recommends reading The Black Swan. It's a good way to begin to think about how you should think about emerging risks. [33:42] Jim says school is going really well. One thing he noticed this year is the diverse nature of his students. There are more disciplines within the risk management area that people are interested in. [33:56] In class recently, Jim had a group that was in the investment banking area, a group that was in HR, and a couple of students from China. There was a broad diversity in the class. [34:16] It enriches the conversation to have people coming from different places with different backgrounds and different educational experiences. It shows the power of having diversity in the classroom. It's exciting. [34:32] The class will write papers on Enterprise Risk Management and talk about captives, and more. They'll compete in the CICA Captive Competition again, to maintain their number one rating there! They're off to a great start! It's nice to see students so highly energized! [34:53] Jim says the future is bright with the students graduating from the Wisconsin School of Business at the University of Wisconsin-Madison. [35:22] Justin and others have liked Jim's broadcasting voice. Jim thanks Justin for commenting on it. [35:55] Jim's time as a DJ was 50 years ago. He recalls two or three instances of hot mikes, when some of the FCC's seven deadly words may have been spoken. He says nobody wants that, but it was a real learning experience. [36:29] Jim recalls when the studio tower was hit by lightning. Jim was alone in the radio station when it happened. Lightning bolts were flying around the building after the tower got hit. The station went off the air, and Jim had to figure out a way to put it back on the air. [36:58] Jim highly recommends to young people, if you get an opportunity to get involved with radio or TV, give it a shot, because it's a lot of fun! Justin ties it to podcasting and video blogging. [37:42] Jim likes all the music of 1976 and didn't have a favorite album. He likes Deep Purple and Bob Seger. He says there's no better songwriter than Bob Seger. There was a diversity of good music going out at that time. It was a wonderful time to be working in a radio station. [38:47] Justin is a father of two young people under 12 who like to listen to classic rock. “Dancing in the Moonlight,” by King Harvest, is a greatest hit in the family. They love Van Morrison. [39:56] On the subject of podcasting, Jim thinks there is an opportunity to develop content that helps the everyday American with their personal insurances, like homeowners, auto, health, life, and how they buy their insurances. [40:45] In class recently, the MBA students, the brightest and best, designing plans for New York investment banks and worldwide financial institutions, told Jim that they had questions about what to buy in auto policies and homeowners policies. [41:07] Jim states that an insurance podcast for the everyday American is something the industry needs to be doing. Justin suggests that members of the global RIMScast audience could pick up the baton and get to work! [41:27] Maybe it becomes part of the coursework for a class like Jim's. It could be part of a challenge, like the Spencer-RIMS Risk Management Challenge. [41:48] Jim says being able to talk about this with graduate students gives them some familiarity with what risk is, in terms of the instability of results. They can relate to it because they need to buy an auto policy or a homeowners policy. [42:03] While these coverages don't match up perfectly with what's going on in the commercial insurance marketplace, learning about them gives students a sense of what insurance is about, what risk management is about, and how to reduce the frequency and severity of losses. [42:22] Jim, it has been such a pleasure to speak with you and to pick your brain on risk management education, broadcasting, and music! Thank you so much for joining us here on RIMScast! [42:33] Good luck to you and your students at the University of Wisconsin-Madison, as you look to the 2026 competitions. I can only imagine they're going to do great things! [42:58] Special thanks again to Jim Swanke for joining us here on RIMScast! For more information, check out the links in this episode's show notes. [43:06] Remember to check out “The Future of Captive Insurance: Governance, Technology, and Performance Optimization”, a Professional Report sponsored by LineSlip. It is available through the Risk Knowledge Page of RIMS.org. That link is also in this episode's show notes. [43:22] The paper features a lot of Jim's fascinating perspective and insights on captives. [43:28] Plug Time! You can sponsor a RIMScast episode for this, our weekly show, or a dedicated episode. Links to sponsored episodes are in the show notes. [43:56] RIMScast has a global audience of risk and insurance professionals, legal professionals, students, business leaders, C-Suite executives, and more. Let's collaborate and help you reach them! Contact pd@rims.org for more information. [44:14] 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. [44:33] 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. [44:48] 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. [45:02] Justin Smulison is the Business Content Manager at RIMS. Please remember to subscribe to RIMScast on your favorite podcasting app. You can email us at Content@RIMS.org. [45:15] Practice good risk management, stay safe, and thank you again for your continuous support!   Links: RIMS ERM Conference 2025 — Nov. 17‒18 Spencer Internship Program — Registration Open Through Oct. 15. RIMS Western Regional — Oct 1‒3 | Bay Area, California | Registration open! RISKWORLD 2026 — Members-only early registration through Sept 30! — Last Call! RIMS-Certified Risk Management Professional (RIMS-CRMP) The Strategic and Enterprise Risk Center RIMS-CRO Certificate in Advanced Enterprise Risk Management — Featuring Instructor James Lam! 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 “The Future of Captive Insurance: Governance, Technology, and Performance Optimization” — Professional Report, Sponsored by LineSlip | Featuring insight from James Swanke University of Wisconsin-Madison Wins 2025 Spencer-RIMS Risk Management Challenge Internationalpodcastday.com Obituary for Podcasting Trailblazer Todd Cochrane RIMS Webinars: RIMS.org/Webinars “Natural Hazards: A Data-Driven Guide to Improving Resilience and Risk Financing Outcomes” | Oct. 9 | Sponsored by Global Risk Consultants “Jury Dynamics: How Juries Shape Today's Legal Landscape” | Oct. 16, 2025 | Sponsored by Zurich “Parametric Insurance: Providing Financial Certainty in Uncertain Times” | Oct. 30, 2025 | Sponsored by Swiss Re “Geopolitical Whiplash — Building Resilient Global Risk Programs in an Unstable World” | Nov. 6 | Sponsored by HUB   Upcoming RIMS-CRMP Prep Virtual Workshops: RIMS-CRMP Virtual Exam Prep — Oct. 29‒30, 2025 RIMS-CRMP-FED Exam Prep Virtual Workshop — November 11‒12 Full RIMS-CRMP Prep Course Schedule Risk Appetite Management | Oct 22‒23 | Instructor: Ken Baker Intro to ERM for Senior Leaders | Nov. 4‒5 | Instructor: Elise Farnham Fundamentals of Insurance | Nov. 11‒12 | Instructor: Chris Hansen Leveraging Data and Analytics for Continuous Risk Management (Part I) | Dec 4. See the full calendar of RIMS Virtual Workshops RIMS-CRMP Prep Workshops   Related RIMScast Episodes about Education, Risk Talent, and Captives: “Risk Management Momentum with Lockton U.S. President Tim Ryan” “RIMS 2025 Risk Manager of the Year, Jennifer Pack”   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 Swanke, Lecturer: Risk and Insurance at the University of Wisconsin-Madison's Wisconsin School of Business, Director of the Risk Management and Insurance MBA program Production and engineering provided by Podfly.  

A government shutdown looks inevitable as the clock ticks towards tonight's deadline. Congressional leaders met with President Trump for over an hour this afternoon but left without a deal. Democrats say they are fighting for healthcare for Americans and Republicans want to extend current funding but with no extras. FOX's Ryan Schmelz speaks with House Republican Conference Chairwoman Rep. Lisa McClain (R-MI) who says both parties are ready for a showdown over funding not policy. Click Here⁠⁠⁠⁠⁠⁠⁠ To Follow 'The FOX News Rundown: Evening Edition' Learn more about your ad choices. Visit podcastchoices.com/adchoices

CBS Congressional Correspondent Nikole Killion joins Chris Rongey today as there is a 12:00am Eastern Time deadline for a deal to extend funds to keep the Federal Government open.

Senate Minority Leader Chuck Schumer (D-NY), House Minority Leader Hakeem Jeffries (D-NY), along with Senate Majority Leader John Thune (R-SD) and House Speaker Mike Johnson (R-LA) all meet at the White House to try to reach a deal to keep the federal government open past Tuesday night. President Trump meets with Israeli Prime Minister Benjamin Netanyahu to announce a plan to end the war in Gaza. Oregon Attorney General Dan Rayfield (D) sues the federal government to stop President Trump's deployment of the National Guard to Portland. Learn more about your ad choices. Visit megaphone.fm/adchoices

September 29, 2025 ~ Fox Correspondent and WJR Contributor Ryan Schmelz joins Chris, Lloyd, and Jamie to talk about the potential of a federal government shutdown as congressional lawmakers remain at odds over funding. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

This is a special Topic Tuesday episode Flashback from 2023 when President Joe Biden was in office. I rant and rave my distain and frustrations about this threat of government shutdown that seemed to be occuring every year the past 5 years starting from President Trump's first year in office. As a Mother and Grandmother, I expressed how sick and tired and just down right disappointed on how our government leaders were playing Russian Roulette with our American livelyhood. We must Vote these Leaders out of office immediately.  Song Choice "It's All About Money"

Eric Adams has officially ended his campaign for reelection. WFUV's Nora Malone reports on the surprise announcement this weekend and how the other candidates are reacting to the news. The Federal Government is nearing a shutdown if lawmakers don't come to an agreement by Tuesday night. WFUV's Xenia Gonikberg has the latest. The annual ‘State of Our Schools' Address took place today at the Manhattan Center for Science and Mathematics in East Harlem. WFUV's Nora Malone reports. WFUV's Xenia Gonikberg spoke to Henry Wahlenmayer about his job as a Curatorial Fellow at the Museum of Modern Art in New York City. This is part of a new series on Gen Z New Yorkers and their interesting jobs. Host/Producer: Jay Doherty Editor: Lainey Nguyen Reporter: Xenia Gonikberg Reporter: Nora Malone Theme Music: Joe Bergsieker

Today's headlines include: Treasurer Jim Chalmers has handed down the Federal Government’s final Budget outcome for the 2024-25 financial year. A police chase through Melbourne’s CBD has ended with the arrest of four teenagers and a woman being hospitalised. Four people have been killed during a church shooting in the U.S. state of Michigan. And today’s good news: Eating fruit could protect your lungs against the impacts of air pollution, a new study has found. Hosts: Emma Gillespie and Lucy TassellProducer: Emma Gillespie Want to support The Daily Aus? That's so kind! The best way to do that is to click ‘follow’ on Spotify or Apple and to leave us a five-star review. We would be so grateful. The Daily Aus is a media company focused on delivering accessible and digestible news to young people. We are completely independent. Want more from TDA?Subscribe to The Daily Aus newsletterSubscribe to The Daily Aus’ YouTube Channel Have feedback for us?We’re always looking for new ways to improve what we do. If you’ve got feedback, we’re all ears. Tell us here.See omnystudio.com/listener for privacy information.

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David McKnight walks you through what he believes to be the retirement strategy of the future: the Power of Zero approach. Congress recently passed the One Big Beautiful Bill Act, which makes the Trump tax cuts permanent. The brackets were set to expire in 2026, but now we're told they're here to stay… By 2035, the U.S. will need massive infusions of cash just to cover the interest on the debt of $37 trillion, not to mention Social Security, Medicare, Medicaid, and defense. When the Government needs money and no one else will loan it the money, it does the one thing it's always done in the past: raise taxes. Remember: even though tax rates are low today, they won't stay that way forever. Congress can change the rules anytime it needs more revenue. David illustrates the main goal of the Power of Zero approach and how it works: it's all about creating multiple streams of tax-free income, none of which show up on the IRS' radar, but all of which contribute to you being in the 0% tax bracket. Beware: this idea that we've locked in low tax rates forever is an illusion. Just because Congress called these tax cuts permanent doesn't mean they won't reverse them the minute they need more revenue. According to Dr. Larry Kotlikoff of Boston University, the unfunded obligations for Social Security, Medicare, Medicaid, interest on the national debt, and the general cost of running the Federal Government over the next 75 years, are over $200 trillion. Right now, you have a chance to strategically reposition your retirement savings to be tax-free. Shift that money slowly enough that you don't rise into a tax bracket that gives you heartburn, but quickly enough that you get all the heavy lifting done before tax rates go up for good. David believes that you have a chance to strategically reposition your retirement savings tax-free.     Mentioned in this episode: David's national bestselling book: The Guru Gap: How America's Financial Gurus Are Leading You Astray, and How to Get Back on Track DavidMcKnight.com DavidMcKnightBooks.com PowerOfZero.com (free video series) @mcknightandco on Twitter  @davidcmcknight on Instagram David McKnight on YouTube Get David's Tax-free Tool Kit at taxfreetoolkit.com Laurence Kotlikoff

The Federal Communications Minister says Optus can expect to suffer significant consequences following last week's triple-0 outage, that's been linked to multiple deaths. The Australian Communications and Media Authority (ACMA) has launched an investigation into the failure, with authorities looking to obtain significant information from the telco to understand what happened. - गत हप्ता अप्टसका सञ्चार माध्यममा समस्याका कारण विभिन्न स्थानमा आपत्कालीन सेवाका लागि ट्रिपल जिरोमा सम्पर्क गर्न अवरोध पुगे पछि चार जनाको मृत्यु भएको बताइएको छ। यसको परिणाम गम्भीर हुने सङ्घीय सञ्चार मन्त्री एनिका वेल्सको भनाइ छ भने, अस्ट्रेलियाको सञ्चार प्राधिकरण अस्ट्रेलियन कम्युनिकेसन्स एन्ड मिडिया अथोरिटीले अनुसन्धान सुरु गरेको छ। एक रिपोर्ट।

Senate fails to pass two versions of a government funding extension to avoid a shutdown At the end of the month: a Republican one that the House passed today that funds the government for another 7 weeks, and a Democratic one that does that but also extends Obamacare insurance subsidies; House passes a resolution to honor the life and legacy of Charlie Kirk, the conservative activist who was shot and killed, and condemn all political violence, but about half the House Democrats vote no & present or skip the vote, pointing to Kirk's political positions; In the investigation of the late sex offender Jeffrey Epstein, House Oversight Committee hears from Alex Acosta, former U.S. Attorney for South Florida, who negotiated a plea deal with Epstein in 2008; A federal vaccine advisory panel votes to tighten requirements for the coronavirus vaccine, make changes to the MMRV vaccine guidelines and postpone action on Hepatitis B. We will talk about it with New York Times Science and global health reporter Apoorva Mandavilli (35); Defense Secretary Pete Hegseth speaks at the Pentagon's National POW/MIA Recognition Day. Learn more about your ad choices. Visit megaphone.fm/adchoices

Don Cox joins the show this morning to discuss the challenges of small business in this new tariff burdened economy. The realities of small business are day to day. Compounding this in the North Carolina area, are the realities of a Federal Government that still has still not delivered on their promises to help the most in need in a year following Hurricane Helene. In the end it's our FAITH and TRUST in God that guides us in all things. Be obedient.  #BardsFM_Morning #FaithAndObedience #LovingThyNeighbor Bards Nation Health Store: www.bardsnationhealth.comBardsFM Limited Edition 50 Million Downloads Hat Offer: AmbitiousFaith.net/Store Morning Intro Music Provided by Brian Kahanek: www.briankahanek.com MYPillow promo code: BARDS Go to https://www.mypillow.com/bards and use the promo code BARDS or... Call 1-800-975-2939.  Windblown Media 20% Discount with promo code BARDS: windblownmedia.com Founders Bible 20% discount code: BARDS >>> https://thefoundersbible.com/#ordernow Mission Darkness Faraday Bags and RF Shielding. Promo code BARDS: Click here EMPShield protect your vehicles and home. Promo code BARDS: Click here EMF Solutions to keep your home safe: https://www.emfsol.com/?aff=bards Treadlite Broadforks...best garden tool EVER. Promo code BARDS: Click here Natural Skin Products by No Knot Today: Click here Product Store, Ambitious Faith: Click here Health, Nutrition and Detox Consulting: HealthIsLocal.com Destination Real Food Book on Amazon: click here Images In Bloom Soaps and Things: ImagesInBloom.com Angeline Design: click here DONATE: Click here Mailing Address: Xpedition Cafe, LLC Attn. Scott Kesterson 591 E Central Ave, #740 Sutherlin, OR  97479