Podcasts about fundamentals

John 8:34 has been our primary Bible verse this week. ******* By the way, if you haven't bought a copy of my new book yet, check it out here: https://www.amazon.com/Dreams-Visions-Stories-Faith-Pastor/dp/161493536X

Episode 4906: Basic Fundamentals Of Driving An Economy; Redfields Warning

By Adam Turteltaub Few people know more about conducting a compliance investigation than Georgina Heasman, Senior Manager, Global Investigations at Booking Holdings and Wendy Evans, Senior Corporate Ethics Investigator, Lockheed Martin.  The two of them are the co-authors of our new book Fundamentals of Investigations:  A Practical Guide  and lead our Fundamentals of Compliance Investigations Workshop. Not wanting to miss out on their expertise, we scheduled two podcasts with them. In this, the first of the two, they share a broad overview of best practices for conducting investigations.  Those include ensuring that even compliance team members not responsible for investigations have at least a fundamental understanding of them. As for the investigation itself, they explain, to go well it begins with the first report.  There has to be a clear line of communication and a culture that encourages employees to come forward. Once you receive that initial contact, it's important to remember that it tells the story only from one side. You need to ask questions to clarify what was seen and heard and start thinking about what other information you will also need to gather.  To keep the information flowing, they recommend telling the reporter and everyone else you interview to reach out to you again if additional information comes to mind. While testimonial evidence is invaluable, don't stop there.  As you gather the who, what, when and where, be sure to look for the documentary evidence that you need, which requires having strong relationships with departments that have it, such as HR and security. And, throughout the process, stay focused to avoid going down rabbit holes or getting inundated with more information than you need. Listen in to learn more, and be sure to check out Fundamentals of Investigations:  A Practical Guide  and the Fundamentals of Compliance Investigations Workshop.

How does one become a slave of sin and then break free from it? ******* By the way, if you haven't bought a copy of my new book yet, check it out here: https://www.amazon.com/Dreams-Visions-Stories-Faith-Pastor/dp/161493536X

In over 300 episodes, this might be one of the most valuable. This week, Jerry's having a candid, informal chat about the 12 things he wish someone had told him when he was getting started in commercial property. These are the lessons you only learn by doing deals—and usually by getting something expensive wrong first. We dive deep into the mechanics of deal-making and long-term momentum, including: The hidden truth about VAT on commercial property. How to properly treat redevelopment costs (and why your lender cares). The essential difference between Fundamentals vs. Strategy. Why "Empty Space is a Cost, Not Just a Void." How to balance and challenge professional advice (a lesson that once saved a client £200,000). Mastering the Valuation Process (it's not just math). Unlocking alternative finance options beyond cash or mortgage. If you’re serious about making smarter, faster, and more profitable commercial property decisions, this episode is mandatory listening. Stop learning the hard way—learn from Jerry's mistakes. LEARN ABOUT THE FUNDAMENTALS: If you want to learn more about investing in Commercial Property, why not join us for our 2 day Introduction to the fundamentals of Commercial Property? Learn how the market works and the ways in which it differs from Residential property so you can avoid the pitfalls and learn how to create successful deals.https://commercialpropertyinvestor.co.uk/2-day-introduction Other Useful Links: CPI Website - https://commercialpropertyinvestor.co.uk/ Our Sponsors - https://commercialpropertyinvestor.co.uk/podcast-sponsors/ LinkedIn: https://www.linkedin.com/in/jerryalexander/See omnystudio.com/listener for privacy information.

The stock market bubble is going to pop! And we're going to tell you when. In today's episode we discuss that price is the ultimate indicator of market truth. Charts, narratives, and data often distort reality, while price alone reflects what investors truly believe. Don't overcomplicate investing with speculative indicators, fear-based "chart crimes," and emotional herd behavior, especially in areas like AI stocks that echo the dot-com bubble. Fundamentals and narratives often mislead, while disciplined attention to price direction and risk management yields better results. We discuss...  Price is the purest and most reliable truth in markets, capturing the collective judgment of all participants and filtering out misleading narratives. Investors often get trapped by "chart crimes," forcing technical patterns or trends that confirm what they want to see rather than what the market is actually showing. Investors often believe that deeper analysis means better insight, but in truth, simplicity and clarity around price direction outperform complex models. There are strong parallels between the current AI investment boom and the late-1990s dot-com bubble. Euphoric narratives around transformative technologies tend to overinflate valuations before reality catches up. AI enthusiasm is driving herd behavior, where investors fear missing out on perceived "once-in-a-lifetime" gains, leading to speculative excess and distorted valuations. Most investors misjudge risk, confusing volatility with opportunity, and failing to respect the message that price declines are often early warnings of deeper structural problems. There are under-appreciated risks building in private markets, especially private credit and private equity, which have grown rapidly outside the scope of traditional regulation. Private credit lacks transparency, liquidity, and oversight, creating potential systemic vulnerabilities if credit conditions tighten or defaults rise. In contrast, regulated banks, though unpopular, are more transparent and stress-tested, making them safer in relative terms despite their public scrutiny. Investors chasing yield in private markets are ignoring the lessons of past crises, mistaking the illusion of stability for real safety. Liquidity is an often-overlooked advantage, allowing investors to act decisively when market conditions change instead of being trapped in illiquid positions. Stay grounded in simplicity, price truth, and discipline, avoid the noise of narratives, the allure of complexity, and the comfort of consensus thinking.   Today's Panelists: Kirk Chisholm | Innovative Wealth Douglas Heagren | Mergent College Advisors Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast For more information, visit the show notes at https://moneytreepodcast.com/stock-market-bubble-761 

What does it take to create lasting change—personally and professionally—without burning out? In this episode, I'm joined by Molly Claire, master coach, bestselling author, and seven-figure business builder who helps women coaches create results that actually support their lives. Her philosophy? Coach more, market less. We talk about what it means to build a life-first business, the four fundamentals of lasting change, and how to find balance between ambition, alignment, and emotional resilience. Molly shares how she's structured her business for freedom, the mindset shifts that make success sustainable, and how to stay anchored in your values through every season. If you're craving more ease, intention, and purpose in your work, this conversation is packed with grounded wisdom you'll come back to again and again. Today you'll hear:05:00 – What a life-first business looks like for Molly as a mom and entrepreneur06:30 – How she structures her calendar to prioritize time off and travel07:55 – The mindset shifts that help her business thrive when she steps away09:15 – The four fundamentals of lasting change: mind mastery, emotional resilience, nervous system regulation, and aligned habits10:45 – What “mind mastery” really means (and why it's not just about positive thinking)12:10 – How emotional resilience helps you lead from confidence, not chaos14:30 – Why nervous system regulation is the foundation for sustainable success16:55 – Creating aligned habits and realistic action plans that actually work18:55 – The “no-fail formula” for reaching your goals without burnout21:45 – How to anchor your business in your values and ideal quality of life23:55 – Behind the scenes of writing her new book while running a thriving business26:35 – The coaching tool Molly swears by to regulate emotions and gain clarity28:45 – Two powerful reflection questions to realign your purpose and priorities30:00 – The one thing she'd tell her younger self about starting a business CONNECT WITH MOLLY:Website: https://www.mollyclaire.com/Instagram: @mollyclairecoachingFree resource: https://www.mollyclaire.com/cultivate-lasting-change 

John Belton says we're in a fragile place in the markets, but fundamentals are still solid. Despite recent volatility, he thinks the consumer is resilient, and companies are healthy, as seen in strong earnings beats. Belton believes the Fed's end of quantitative tightening is a good move, and he's still bullish on A.I. names like Alphabet (GOOGL), Amazon (AMZN), Meta (META), Microsoft (MSFT), and Oracle (ORCL), citing massive returns on their A.I. infrastructure investments.======== Schwab Network ========Empowering every investor and trader, every market day. Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/ About Schwab Network - https://schwabnetwork.com/about

We are blessed if we are successful in throwing off temptation. But if we sin we will reap the consequences. ******* By the way, if you haven't bought a copy of my new book yet, check it out here: https://www.amazon.com/Dreams-Visions-Stories-Faith-Pastor/dp/161493536X

Will Jesus come just as He went up in Acts 1:9-11 - as the JW's say, He disappeared from their view? Where is the line between a false teacher and someone who has a different interpretation of Scripture? What are some doctrines that you would separate over? Are there any Biblical examples of a believer being delivered from demons or needing deliverance from sin or spirits? Does Acts 17:28-29 support the Mormon view that the Heavenly Father and Heavenly Mother gave birth to spirit children in their pre-existence form? Can I have religious common ground with my Mormon neighbor? Can a Christian be an alcoholic? How do I explain to my Pentecostal family that they are not correct in a lot of things they believe in? Does the word 'replenish' in Genesis 1:28 suggest that there was a pre-Adamic race that was destroyed or the Gap Theory? If a Christian dies before confessing and repenting a sin, where will he go, heaven or hell? How should we view human cloning? Are some creatures mentioned in Revelation a result of cloning animals? Did Jesus believe in the authority and inspiration of the Scriptures? Why didn't God just give us all the answers? What are some of the ways the godly will suffer persecution? Listen as Pastor/Dr. David Murphy discusses these and other listener questions.

In this episode, Axel Ragnarsson is joined by John Makarewicz, President and Head of Operations at Faris Capital Partners, to discuss how sponsors can stand out in a crowded multifamily space and the systems that drive excellent asset management.John shares his journey from scaling one of the largest residential brokerages in the Southeast to building Faris Capital Partners, a firm focused on world-class investor and resident experiences. He explains how they differentiate themselves from other general partners through transparency, communication, and disciplined asset management practices.John unpacks the philosophies and operational processes that have shaped his firm's growth. He also explains the importance of being on-site (post-acquisition) from day one, building trust with residents, and adding value before asking for anything in return.This conversation is packed with practical insights for operators, investors, and anyone looking to raise the bar in multifamily execution.What You'll Learn in This Episode:How to de-commoditize yourself as a GP through world-class communication and transparencyWhy being on-site and listening to residents can help you out in the long-termThe structure of a strong asset management process with third-party PMsHow to align incentives across teams to improve NOI and performanceAre you looking to invest in real estate, but don't want to deal with the hassle of finding great deals, signing on debt, and managing tenants? Aligned Real Estate Partners provides investment opportunities to passive investors looking for the returns, stability, and tax benefits multifamily real estate offers, but without the work - join our investor club to be notified of future investment opportunities.NH Multifamily Fund III Details:Download The OM For The NH Multifamily Fund IIIAccess The Deal Room For The NH Multifamily Fund IIIConnect with John:Connect with him on LinkedInLearn more about Faris Capital PartnersCheck out Full out InvestingConnect with Axel:Follow him on InstagramConnect with him on LinkedinSubscribe to our YouTube channelLearn more about Aligned Real Estate Partners

Megan Bowen, CEO of Refine Labs, shares the core fundamentals behind modern B2B growth. She explains how buyer behavior has shifted, how marketing must evolve, and what it takes to build a profitable, scalable go-to-market engine rooted in focus, data, and customer understanding.Topics CoveredEvolution of B2B buying: analog → website → dark social → AI era.Aligning go-to-market around buyer behavior.Ideal Customer Profile (ICP) definition and validation.Strategic narrative development using Andy Raskin's framework.The “Brand, Demand, Expand” model for growth.Simplifying measurement: attribution, share of search, and split-the-funnel analysis.Sales and marketing alignment through shared goals and accountability.Building efficient, profitable revenue systems.Questions This Video Helps AnswerHow has B2B buying behavior evolved and what does it mean for marketers?What are the most important elements of a modern go-to-market strategy?How can you define and operationalize an ideal customer profile?What is a strategic narrative and how does it drive company alignment?How should marketing and sales collaborate to achieve efficient growth?What metrics actually matter when measuring pipeline performance?Jobs, Roles, and Responsibilities MentionedCEO, CMO, VP of Sales, RevOps Lead, Account Manager, Customer Success Manager, Marketing Manager, BDR/SDR, Product Manager, Private Equity Partner, Founder.Key TakeawaysFocus beats complexity: simplify your go-to-market strategy around what works.The best companies deeply understand buyer behavior shifts and adapt early.A validated, data-driven ICP ensures efficiency and profitable growth.A strong strategic narrative, backed by leadership, drives internal and external alignment.Growth requires balanced investment in brand, demand, and expansion.Align marketing, sales, and finance goals to create predictable, sustainable performance.Measurement should prioritize insight and decision-making over vanity metrics.

Fundamentals appeared to return to Cattle futures trade Monday as prices gained back some of the recent losses. Toward the close, Live Cattle futures were an average of $2.34 higher. Feeder Cattle futures were an average of $5.36 higher. Negotiated cash fed cattle trade was inactive on light demand in all cattle feeding regions [...]

Today is the fifth episode in my Fundamentals of Parenting Teens podcast series.Want to stop the power struggles with your teen? The secret isn't changing them—it's changing YOU. In this episode, discover how your thoughts, emotions, and reactions directly influence your teenager's behavior.I'll show you how to reappraise situations, manage stress, and create the space you need to respond thoughtfully instead of emotionally.You can also watch this series on YouTube.And be sure to listen to the following helpful episodes as well:Episodes 30, 102, 120, and 127Download the free parenting guide: "Emotional Awareness Strategies"Show Notes and TranscriptFind our FREE Parenting Guides Here"I just wanted to let you know that I'm so thankful for your podcast! ...I'm so happy I discovered it!" Speaking of Teens Listener^If you feel the same way, please consider rating and reviewing my show! This helps people know the show is worth their time to listen. Tap here, to go to Apple podcasts, and scroll down until you see the STARS to tap on the last star, then tap on “Write a Review” and let me know what you love about the show. If you're listening in Spotify, you can also rate the show by going to the main episode page and tap the 3 dots to the right of the follow button, tap rate show and tap the 5th star!Thank you in advance for helping me help more parents!The 5-Day Reboot: From Conflict to Cooperation - receive bite-sized lessons in your in-box for 5 days that will make a huge difference between you and your teen...for under $50! Check out the podcast on YouTube! Email Ann at acoleman@speakingofteens.com Check out PARENT CAMP - a cohort-based, 10-week experience that includes a virtual course, in-depth exercises and tools, and weekly live meetings with Ann, where you will learn how to strengthen your relationship and decrease the conflict with your teens and tweens (while improving their behavior.)Connect with us on Facebook or Instagram Read Speaking of Teens weekly articles on Substack Join our Facebook Group for Free Support for Parents and others who care for Teens (and get easy access to all the parenting guides above!)See My Recommended Books For Both You And Your Teen

Monday, November 03, 2025 The Dominant Duo – Total Dominance Hour -Glorious weekend of sports, baseball fundamentals, Dodgers win World Series, the rough ACC, Venables should be secure moving forward *according to Dean* and more. Follow the Sports Animal on Facebook, Instagram and X PLUS Jim Traber on Instagram, Berry Tramel on X and Dean Blevins on X Follow Tony Z on Instagram and Facebook Listen to past episodes HERE! Follow Total Dominance Podcasts on Apple, Google and SpotifySee omnystudio.com/listener for privacy information.

Blessed is the man who endures temptation. ******* By the way, if you haven't bought a copy of my new book yet, check it out here: https://www.amazon.com/Dreams-Visions-Stories-Faith-Pastor/dp/161493536X

Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society.   In this episode, Justin interviews Kellee Ann Richards-St. Clair, the Vice President, Commercial, Phoenix Park Energy Marketing Limited. Justin and Kellee Ann discuss her target risk career starting in her undergraduate days studying chemistry, to her role as VP of Commercial for a gas supply organization. She describes the range of responsibilities she carries. Kellee Ann also speaks of her presence at the upcoming RIMS ERM Conference 2025 on November 17th and 18th in Seattle, Washington.   Listen for understanding about the complexity and interconnectivity of risks in ERM.   Key Takeaways: [:01] About RIMS and RIMScast. [:17] About this episode of RIMScast. Our guest is Kellee Ann Richards-St. Clair. She is the Vice President of Commercial at Phoenix Park Energy Marketing Limited, and a member of the RIMS Strategic and Enterprise Risk Management Council. There is much to discuss with her! But first… [:47] 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. [1:07] 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. [1:21] 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 the virtual workshops! [1:40] 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. [1:51] RIMS Webinars! On November 6th, HUB will present "Geopolitical Whiplash — Building Resilient Global Risk Programs in an Unstable World". That session will be moderated by Christina Howard, our guest from last week. Register at RIMS.org/Webinars. [2:08] The RIMS ERM Conference 2025 will be on November 17th and 18th in Seattle, Washington. The agenda is live, and the link is available in this episode's show notes. [2:20] That brings us to today's guest, Kellee Ann Richards-St. Clair. She is the Vice President of Commercial at Phoenix Park Energy Marketing Limited, a U.S. subsidiary of Phoenix Park Gas Processors, LLC. [2:35] We're going to learn all about oil, gas, and the energy sector and how it intertwines with ERM. In addition, Kellee Ann will be making her RIMS ERM Conference debut! [2:48] Kellee Ann will be highly visible, especially on November 18th, when she leads the ERM Networking Breakfast, the Conference Finale Panel, and the recently added session at 1:30 p.m. on the 18th, "Exploiting Uncertainty: Making the Business Case for Strategic Risk Treatments." [3:09] That session was added after we recorded this interview, which is why we do not discuss it. Kellee Ann has a fascinating career and background. Between that and her presence at the ERM Conference, she's a wonderful guest, and I'm so glad we had this interview! [3:23] On with the show! Let's get to it! [3:25] Interview! Kellee Ann Richards-St. Clair, welcome to RIMScast! [3:34] Kellee Ann Richards-St. Clair, it's a pleasure to finally have you on our show!  [3:43] Kellee Ann is a relatively new member of the RIMS Strategic and Enterprise Risk Management Council. She will be at the RIMS ERM Conference on November 17th and 18th. She will lead the ERM Networking Breakfast Tabletop Discussions. [4:12] Kellee Ann has a fascinating career, and she works in a unique sector. She's an energy sector professional and works in the oil and gas industry. The key to her embarking on the risk journey was when she did her Master's in Project Management. [4:36] One of the areas was Project Risk Management, to which Kellee Ann had a great affinity. She liked the analytical thinking that goes behind assessing what could likely impact your project. [4:53] Also, the accountability and ownership that goes into the planning phase, making sure that you're thinking of everything that could go wrong, as a means of making sure that you're achieving your objectives. [5:05]  In 2004, Kellee Ann wrote her thesis on implementing enterprise risk management practices into private sector organizations. [5:15] It honed the tools she would use in project risk management with the greater goal of having a large impact on the organization, by impacting strategy and strategy delivery. [5:33] From there, Kellee Ann participated in risk committees in her organization and other organizations, helping them push the risk agenda and making sure they have the right mindset that allows them to make sure that they are achieving their business mandates. [5:59] Kellee Ann always intended to work in the energy sector in oil and gas. Her undergraduate degree is in chemistry. She always liked understanding how things are made and how they function. In the energy space, many of the operations are rooted in chemistry. [6:22] Kellee Ann speaks of the business component of getting the molecules out to market. ERM meshes with her affinity for chemistry, risk management, business, analytical thinking, and understanding how your business model functions and what could likely impact it.  [7:13] Kellee Ann has managed project risk registers for her department, on the commercial side. She is always risk-focused, identifying any threats to the business and incorporating that into contract negotiations, and how she liaises with her stakeholders and customers. [7:41] For Kellee Ann, it was a perfect match, meshing her passion and her job responsibility. In the risk management profession, you get to have a direct impact on the success or failure of your business. [8:03] Kellee Ann is based in Houston with Phoenix Park Energy Marketing Limited, the U.S. subsidiary of Phoenix Park Gas Processors LLC, which is located in Trinidad and Tobago. It's a natural gas processing facility. [8:23] Kellee Ann leads the commercial function of Phoenix Park Energy Marketing Limited. The energy sector is dynamic, impacted by geopolitics, the volatility of market prices, and even other industries, and the investments they make. [8:37] For example, AI requires lots of power to run. For AI development to be successful means heavily investing in power. That's likely to have an impact on commodity prices. Everything is interconnected. [8:52] Interconnected risk is a current process in terms of managing the complexity of the current business environment. The energy sector becomes a good proxy for how you manage complex operations and still run a profitable business, fulfilling its purpose and mission. [9:16] Kellee Ann's mental model of risk management is prudent decision-making. You have to be able to justify to the shareholders that you are leading the organization in the right direction and prove the thinking behind what you are recommending. [9:42] You have to demonstrate the value proposition: This is what will prevent me from implementing my mission, and this is what I'm going to put in place. [9:51] Even though this is preventing a threat, these are the opportunities I'm seeing out of it. This is how I can move the needle a little further, because I'm looking at it from a holistic perspective. I'm no longer looking at it as a separate function. It becomes good business. [10:16] Kellee Ann is not functionally in charge of commercial. She is in charge of the strategic aspects of it. The Risk Management Department focuses on the operational aspects of the business and also feeds in strategic elements. [10:29] Kellee Ann has incorporated ERM into her lifestyle because of her subject matter expertise. She has gotten the opportunity to lecture on enterprise risk management and offer consultancy for private sector organizations that are early adopters in terms of risk maturity. [10:49] Kellee Ann considers that she has a broad experience in risk management, leveraging the tools in each of her job responsibilities. [11:05] Kellee Ann is over enterprise risk management from a strategic perspective. She has a high-level view of all risks likely to impact operations. She ensures that all risk mitigations are in place and makes sure she is exploiting all opportunities the organization would like to embrace. [11:31] There is enterprise risk management expertise within the organization, focused on the functional perspective, while Kellee Ann focuses on the strategic perspective, looking at emerging risks and how they impact the business and the marketability of the product. [11:49] Kellee Ann also looks at what areas of opportunity it opens up for her in terms of making an impact on the customers. [11:58] Kellee Ann is Vice President of Commercial. There is a separate Risk Management Department. They work together regularly. Kellee Ann tells how risks are managed functionally and strategically, and that employees have toolkits to distill information for prudent decisions. [12:36] Quick Break! The RIMS CRO Certificate Program in Advanced Enterprise Risk Management is our live virtual program led by the famous James Lam. Great news! A third cohort has been announced, from January through March 2026! [12:57] Registration closes January 5th. Enroll now. A link is in this episode's show notes. [13:06] Save the dates March 18th and 19th, 2026, for The RIMS Legislative Summit, which will be held in Washington, D.C. [13:14] Join us in Washington, D.C., for two days of Congressional Meetings, networking, and advocating on behalf of the risk management community. Visit RIMS.org/Advocacy for more information and updates and to register. [13:28] We've got more plugs later. Let's return to our interview with Kellee Ann Richards-St. Clair! [13:48] When communicating risks and opportunities to executive leadership, instead of charts, Kellee Ann utilizes storytelling to create a more compelling description of what is happening in the market or external environment and how it's going to impact the organization. [14:08] Kellee Ann says there has to be a balance between the quantitative and the qualitative. [14:12] You have to communicate in a way that demonstrates the business case for taking a particular action, whether or not you want to enter a new market, market new commodities, or introduce new technology. [14:24] All of that is likely to introduce risks, either from a threat perspective or an opportunity perspective. You want to be able to have the conversation in a way that everybody understands, everyone is on the same wavelength, and understands why this direction has to be taken. [14:40] This is important in terms of culture building. You want to have a culture of risk management. You want to have a culture where everyone is aware that you're not making decisions by intuition, feeling, or personal bias, but that decisions are driven by data. [15:00] Context matters. Storytelling is what is going to make that context clearer. [15:05] Kellee Ann asks, if you decide by going with your gut, you might be lucky, but how do you defend it if your luck runs out? It's very important to be emotionless in decisions. The data has to tell the story. You want to marry the data with the context. [15:51] Global current events can be brought into the discussion if they are materially in context. In risk management, it's very important to determine the impact they are likely to have on the organization. It brings to the forefront the question of relevance. [16:09] News is important for information, from the point of view of awareness. You want to distill the news in the context of relevance to your organization. There will be some events where your competitors are taking a particular action successfully. [16:26] They may be successful because their business model is designed in a way that allows them to capture that opportunity faster. If you take a copy-and-paste approach, you may find that you're not going to be successful because your supply chain or context is different. [16:43] A snippet of it may be relevant, but you have to redesign it, looking at your internal resources or the eternal context. [16:53] You have to map it to internal resources to determine whether or not this is going to have a high impact on your organization, whether or not it's good to know, or whether or not it's to be monitored to determine when is the right time for you to implement it. [17:07] Kellee Ann says the complexity comes in distilling what it is, if it is relevant, and the timing of that relevance. [17:18] Kellee Ann is more inclined to work just in time rather than be tied to arbitrary deadlines that do not add value. This comes from her project management background. What are your business drivers? What are the regulatory deadlines? What is the customer expecting? [18:50] The art and science of risk management. [21:26] One Final Break! Some of you may have heard he recent RIMScast episode sponsored by Diligent, "Mastering ERM: Leveraging Internal and External Risk Factors," with Jason Venner, who's also a RIMS-CRMP-FED holder. [21:41] Jason is joining us here on RIMScast to discuss his upcoming appearance at the RIMS ERM Conference 2025, which will be held on November 17th and 18th. We will be seeing him present on Tuesday, November 18th. [21:58] His session is titled, "Benchmarking Beyond Boundaries: Elevating ERM Programs with External Risk Insights." Jason, welcome back to RIMScast! Tell us all about it! [22:08] Jason says, We're going to be joined by one of our partners, my colleague and friend, Maurice Crescenzi, an industry practice leader at Moody's, in Risk Analytics. [22:22] The audience is going to learn about the value of being able to benchmark your risk information and data against your peers, competitors, and suppliers to be able to provide your leadership and board with a single, clear view of holistic risk, internally and externally. [22:40] This session provides the external viewpoint. [22:51] Jason encourages audience participation and will be available for questions afterward, for as long as anyone needs. He is super excited to get to this conference! Several of his colleagues from Diligent are going to be there, along with Maurice and some of his colleagues. [23:05] If you don't catch Jason after the session, please stop by the Diligent booth. He'll talk for as long as you want. We'll see you there! [23:15] Thank you, Jason. I look forward to seeing you there. As we said, remember to look for the link in this episode's show notes to Jason's recent RIMScast appearance on mastering ERM. [23:28] Let's Conclude Our Interview with Kellee Ann Richards-St. Clair! [23:51] Kellee Ann describes business risks. You want to get away from siloed thinking. Risk management tends to create siloes of functional, financial, and operational risks. You have to look at it all as business risks.  [24:38] There's liability. You have to pay out claims, or there's an impairment to your reputation, either losing the customer trust to operate, or shareholders withdrawing their cash. It starts with reframing. Kellee Ann speaks of environmental risk and supply chain resilience. [25:39] If you are a coffee supplier, what is the risk if you lose access to coffee plantations? The cost of supply increases. The quantity of produce is no longer there due to climate change. [26:09] There are aspects of human rights. Are you procuring employees in a fair and just manner? Are the work conditions safe? It's a business risk if people leave because they are not safe. The conversation has to be reframed in terms of how you are identifying risk. [27:06] Environmental risks can be greater and more material than operational risks. [27:42] About ESG Governance. Planetary boundaries are not anecdotal or a special-interest topic. They have to be part of the risk conversation about your risk capacity. Kellee shares an example about shipping through port facilities. Map your risks, global to internal. [30:13] Kellee Ann explains further about climate risks, resources, and geopolitical sensitivities. [31:59] Looking at the agenda of the ERM Conference 2025, Kellee Ann is starting and closing our day on Tuesday, November 18th. She'll be supervising the ERM Networking Breakfast Tabletop Discussion. There will be discussions at each table, and you are encouraged to join in. [32:32] Kellee Ann will be leading off the topic on Emerging Risks. She'll be interested to find out from her peers who will be on the table for their views on Emerging Risks and the tools they use to identify and manage emerging risks in their organizations. [33:02] At the end of the day, at 3:30 p.m., Kellee Ann will be part of the ERM Conference Finale, SERMC Panel Discussion, along with other members of the RIMS SERMC Council, to recap some of the Conference highlights, observations, and new information. [33:24] Kellee Ann is excited to be onstage with the others, gain new insights, and share her perspective on what she learned at the Conference. Kellee is comfortable onstage. [33:44] Justin says it will be a new way for us to close out the Conference. I'm very much looking forward to it and to meeting you in person, as well. [34:05] The RIMS ERM Conference has been on Kellee Ann's wish list for a while, and she's made it happen this year. [34:22] I look forward to seeing you on November 17th and 18th at the RIMS ERM Conference 2025, in Seattle, Washington. [34:37] Special thanks again to Kellee Ann Richards-St. Clare for joining us here on RIMScast. She will be omnipresent at the RIMS ERM Conference 2025, November 17th and 18th, and especially on the 18th. She'll be helping to kick off that Breakfast Networking Session. [34:54] And then at 1:30, she was recently added to the new session, "Exploiting Uncertainty: Making the Business Case for Strategic Risk Treatments." That was added after this interview was recorded. [35:05] Of course, Kellee Ann will be on the panel closing out the Conference, during the Finale, so be sure to stop by, say hello, and tell her that you heard her fabulous interview on RIMScast! [35:18] 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. [35:46] 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. [36:03] 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. [36:20] 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. [36:36] 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. [36:50] 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. [37:01] Practice good risk management, stay safe, and thank you again for your continuous support!   Links: RIMS ERM Conference 2025 — Nov. 17‒18 | Register Now RIMS-CRO Certificate Program In Advanced Enterprise Risk Management | Jan.‒March 2026 Cohort | Led by James Lam RISK PAC | RIMS Advocacy | RIMS Legislative Summit SAVE THE DATE — March 18‒19, 2026 RIMS-Certified Risk Management Professional (RIMS-CRMP) The Strategic and Enterprise Risk Center RIMS Diversity Equity Inclusion Council RIMS Risk Management magazine | Contribute RIMS Now RIMS Professional Report: "Understanding Interconnected Risks" Upcoming RIMS Webinars: RIMS.org/Webinars "Geopolitical Whiplash — Building Resilient Global Risk Programs in an Unstable World" | Nov. 6 | Sponsored by HUB   Upcoming RIMS-CRMP Prep Virtual Workshops: RIMS-CRMP-FED Exam Prep Virtual Workshop — November 11‒12 Full RIMS-CRMP Prep Course Schedule "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 ERM: "AI and the Future of Risk with Dan Chuparkoff" (RIMS ERM Conference Keynote) "Talking ERM: From Geopolitical Whiplash to Leadership Buy-In" with Chrystina Howard of HUB "Shawn Punancy of Delta Flies High With ERM" "Tom Brandt on Growing Your Career and Organization with ERM" "James Lam on ERM, Strategy, and the Modern CRO" "ERM, Retail, and Risk with Jeff Strege" "Bigger Risks with the Texas State Office of Risk Management" | Sponsored By Hillwood "ERMotivation with Carrie Frandsen, RIMS-CRMP" "Live from the ERM Conference 2024 in Boston!" "Risk Quantification Through Value-Based Frameworks"   Sponsored RIMScast Episodes: "Mastering ERM: Leveraging Internal and External Risk Factors" | Sponsored by Diligent (New!) "Cyberrisk: Preparing Beyond 2025" | Sponsored by Alliant "The New Reality of Risk Engineering: From Code Compliance to Resilience" | Sponsored by AXA XL "Change Management: AI's Role in Loss Control and Property Insurance" | Sponsored by Global Risk Consultants, a TÜV SÜD Company "Demystifying Multinational Fronting Insurance Programs" | Sponsored by Zurich "Understanding Third-Party Litigation Funding" | Sponsored by Zurich "What Risk Managers Can Learn From School Shootings" | Sponsored by Merrill Herzog "Simplifying the Challenges of OSHA Recordkeeping" | Sponsored by Medcor "How Insurance Builds Resilience Against An Active Assailant Attack" | Sponsored by Merrill Herzog "Third-Party and Cyber Risk Management Tips" | Sponsored by Alliant   RIMS Publications, Content, and Links: RIMS Membership — Whether you are a new member or need to transition, be a part of the global risk management community! RIMS Virtual Workshops On-Demand Webinars RIMS-Certified Risk Management Professional (RIMS-CRMP) RISK PAC | RIMS Advocacy RIMS Strategic & Enterprise Risk Center RIMS-CRMP Stories — Featuring RIMS President Kristen Peed!   RIMS Events, Education, and Services: RIMS Risk Maturity Model®   Sponsor RIMScast: Contact sales@rims.org or pd@rims.org for more information.   Want to Learn More? Keep up with the podcast on RIMS.org, and listen on Spotify and Apple Podcasts.   Have a question or suggestion? Email: Content@rims.org.   Join the Conversation! Follow @RIMSorg on Facebook, Twitter, and LinkedIn.   About our guest: Kellee Ann Richards-St. Clair, Vice President, Commercial, Phoenix Park Energy Marketing Limited (US Subsidiary Phoenix Park Gas Processors LLC) member of the RIMS Strategic and Enterprise Risk Management Council (SERMC).   Production and engineering provided by Podfly.  

In this episode, Adam and I take a deep dive into when you actually shouldn't hit driver—because despite what modern analytics say, there are times when it makes sense to leave it in the bag. We talk through how to evaluate risk vs. reward off the tee, why certain holes (like tight doglegs and pinched fairways) punish driver, and how to make smarter decisions that protect your score. Adam also shares one of his best breakdowns of beginner fundamentals—grip, ball position, posture, and the common mistakes that create chaos at impact. I talk about watching my son learn the game and what that reveals about instinct, concept, and strike. Whether you're a 20-handicap or scratch, this episode will help you understand the “Big Three” skills—face control, strike location, and ground contact—that actually separate good golfers from everyone else. Thank you to our show sponsors HackMotion, The Indoor Golf Shop, and LMNT: This episode is brought to you by HackMotion—it's like having a coach on your wrist. HackMotion gives you real-time feedback on your wrist angles so you can finally understand what your clubface is doing and build a more consistent, repeatable swing. Trusted by over 30,000 golfers worldwide, you can try it risk-free for 30 days—and right now, they're offering 20% off for November, making it the perfect time to improve your game this off-season. Visit https://hackmotion.com/sweetspot and use promo code SWEETSPOT • If you want to take your hydration to the next level without sugar and all of the other dodgy ingredients in sports drinks, then you need to try LMNT. They just released a limited edition lemonade blend for the summer months. Visit ⁠⁠⁠⁠⁠⁠https://drinklmnt.com/sweetspot⁠⁠⁠⁠⁠⁠ to claim your free gift. • As we enter the fall season, many golfers will be looking to upgrade their indoor practice. I've been trusting The Indoor Golf Shop for years and recommending them to anyone who wants to improve their home setup. They offer all the top launch monitor brands, including SkyTrak, Uneekor, and Foresight, and regularly run sales. They also have everything you need for your indoor practice - hitting mats, golf nets, impact screens, and custom enclosures. If you're looking for a custom residential build to have the simulator of your dreams, their team can make that happen. They built mine! And their designers can also handle any kind of commercial facility where you're building from scratch or want to make an upgrade. To learn more, check out ⁠⁠⁠https://shopindoorgolf.com/⁠⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

Jesus said that whoever commits sin is a servant of sin. ******* By the way, if you haven't bought a copy of my new book yet, check it out here: https://www.amazon.com/Dreams-Visions-Stories-Faith-Pastor/dp/161493536X

Stock markets are soaring amid AI enthusiasm, but that does not necessarily mean we are in bubble territory, says Markus Müller, the Private Bank's head of the CIO office and Chief Investment Officer for Sustainability. “The difference now is the foundation. Equities are showing strong earnings, robust cash flows and disciplined balance sheets. That's not typical bubble behaviour,” Markus says, though he also points to the need for careful risk management. “Overinvestment is a risk. Global data centre spending surged.”This tension is on display in the current U.S. earnings season, Markus says. “Fundamentals are strong, but the pace of investment and market concentration require respect. The top 10 US companies now represent over 20% of the global equity market value. And tech alone is about 35% of US market cap. With that concentration, risk management is essential.”For more investing insights, please visit deutschewealth.com.In Europe, Middle East and Africa as well as in Asia Pacific this material is considered marketing material, but this is not the case in the U.S. No assurance can be given that any forecast or target can be achieved. Forecasts are based on assumptions, estimates, opinions and hypothetical models which may prove to be incorrect. Past performance is not indicative of future returns.Performance refers to a nominal value based on price gains/losses and does not take into account inflation. Inflation will have a negative impact on the purchasing power of this nominal monetary value. Depending on the current level of inflation, this may lead to a real loss in value, even if the nominal performance of the investment is positive. Investments come with risk. The value of an investment can fall as well as rise and you might not get back the amount originally invested at any point in time. Your capital may be at risk.The services described in this podcast are provided by Deutsche Bank AG or by its subsidiaries and/or affiliates in accordance with appropriate local legislation and regulation. Deutsche Bank AG is subject to comprehensive supervision by the European Central Bank (“ECB”), by Germany's Federal Financial Supervisory Authority (BaFin) and by Germany's central bank (“Deutsche Bundesbank”). Brokerage services in the United States are offered through Deutsche Bank Securities Inc., a broker-dealer and registered investment adviser, which conducts investment banking and securities activities in the United States.Deutsche Bank Securities Inc. is a member of FINRA, NYSE and SIPC. Lending and banking services in the United States are offered through Deutsche Bank Trust Company Americas, member FDIC, and other members of the Deutsche Bank Group.The products, services, information and/or materials referred to within this podcast may not be available for residents of certain jurisdictions. © 2025 Deutsche Bank AG and/or its subsidiaries. All rights reserved. This podcast may not be used, reproduced, copied or modified without the written consent of Deutsche Bank AG. 030620 030121

On this episode of Beyond the Horizon, we sit down with Lt. Col. Bryan Moore, 178th Wing chief of staff, and Staff Sgt. Travis Gay, security forces specialist assigned to the 178th Wing, to discuss why it's important to be resilient as one of the Ohio Adjutant General's 19 Fundamentals for the Soldiers and Airmen of the Ohio National Guard.You can connect with us on: Facebook: http://www.facebook.com/178WingInstagram: http://instagram.com/178th_wingYou can write to us at: beyondthehorizonpodcast@gmail.com

In this episode, Cem Karsan returns to Excess Returns to break down the market through the lens of liquidity, reflexivity, and options-driven market structure. We cover why he believes we are in a bubble but still early in its trajectory, the mechanics behind today's volatility dynamics, the role of AI spending in sustaining the cycle, and why traditional 60/40 portfolios may face major challenges in the years ahead. Cem also explains how investors should think about tail risk, true diversification, and building portfolios for a world where liquidity flows dictate outcomes.Main topics coveredWhy we are in a bubble but still likely to go higher firstFundamentals vs liquidity as drivers of returnsOptions as the “3-D” market and how they now drive equitiesReflexivity and how option flows influence asset pricesRetail adoption of options and misperceptions in the spaceAI investment boom, tail risks, and market liquidity feedback loopsHistorical valuation regimes and recency bias in marketsPortfolio construction beyond the 60/40 modelTail hedging and the role of long volatilityImportance of true diversification and managing interest-rate riskTimestamps00:00 Bubble dynamics and why being bullish can coexist with danger 03:00 Fundamentals vs liquidity as market drivers 08:00 Rise of options and how they now influence markets 14:00 Reflexivity explained in simple terms 19:00 Mistakes investors make with options and structured products 24:00 AI spending, liquidity expansion, and similarities to 1999 31:00 Tail risks, China/Taiwan, private markets, inflation signals 38:00 Why 60/40 has worked recently – and why it may fail ahead 52:00 Inequality, cycles, crisis as a clearing mechanism 54:00 Building a portfolio for the next decade: diversification, tail hedging, box spreads, and non-correlated strategies 1:04:00 Closing thoughts and takeaway for investors

How do you "sharpen the countenance of a friend"? How can you maintain a friendship while sharpening one another? ******* By the way, if you haven't bought a copy of my new book yet, check it out here: https://www.amazon.com/Dreams-Visions-Stories-Faith-Pastor/dp/161493536X

Cover 3 may be the best HS coverage possible. Cover 1 probably holds the crown as the best overall coverage, if you have the cats to run it. Cover 3 just answers all the questions, while being simple to understand, run, and problem solve with. On this episode Joe Daniel and Daniel Chamberlain are covering the fundamentals of Cover 3, simplifying your coverage package, solving all the weaknesses, and making Cover 3 look complicated.

professorjrod@gmail.comSecurity that actually holds under pressure starts long before passwords and antivirus. We pull back the rack door and walk through the parts that make a network resilient: switches that enforce port security, routers that block spoofed traffic, servers that stay patched and locked down, and load balancers that keep services steady when a node falls over. From a small bookstore's POS to a global bank's data center, the patterns repeat with higher stakes and tighter controls.We break down the real tools of infrastructure defense and why they matter. Policy‑based firewalls translate intent like “block social media for guests” into action, while next‑gen engines add deep inspection and URL filtering. Forward proxies protect outbound browsing and reverse proxies hide internal services. Deception tech—honeypots, honeynets, and sinkholes—turns attackers into sources of intel. IDS alerts, IPS blocks, and together they feed visibility into an XDR layer that correlates endpoint, server, cloud, and email signals to stop ransomware chains before they detonate.Good design contains failure. VLANs limit blast radius when a laptop is compromised. DMZs and jump servers separate public‑facing apps from sensitive systems. Zero trust reframes access with “never trust, always verify,” enforcing MFA, continuous checks, and least privilege across users and APIs. VPNs connect people and sites with SSL and IPsec, while NAC verifies device health and quarantines noncompliant endpoints—a must for any BYOD policy. We tie it all together with practical case studies, a quick quiz to test your instincts, and clear takeaways you can apply to classrooms, clinics, nonprofits, and clouds.If this deep dive helps you think more clearly about your network's weak points and how to shrink them, tap follow, share with a teammate, and leave a review so more builders can find it. What's the first segment you'll harden this week?Inspiring Tech Leaders - The Technology PodcastInterviews with Tech Leaders and insights on the latest emerging technology trends.Listen on: Apple Podcasts SpotifySupport the showArt By Sarah/DesmondMusic by Joakim KarudLittle chacha ProductionsJuan Rodriguez can be reached atTikTok @ProfessorJrodProfessorJRod@gmail.com@Prof_JRodInstagram ProfessorJRod

How do you "sharpen the countenance of a friend"? When iron sharpens iron, there is friction! ******* By the way, if you haven't bought a copy of my new book yet, check it out here: https://www.amazon.com/Dreams-Visions-Stories-Faith-Pastor/dp/161493536X

Hosts Joe Maddon and Tom Verducci talk about the Blue Jays putting up a fight against the Dodgers. How much was Toronto underestimated going into this matchup? Tom explains what has happened in these games that has the series tied at 2! Tom notes the unbelievable play of Shohei Ohtani in this series, but you could see the wear starting to show. Tom points out some of the big performers in the Series while Joe explains what he's really loved seeing from the Blue Jays! The Book of Joe Podcast is a production of iHeart Radio. #fsrSee omnystudio.com/listener for privacy information.

Hosts Joe Maddon and Tom Verducci talk about the Blue Jays putting up a fight against the Dodgers. How much was Toronto underestimated going into this matchup? Tom explains what has happened in these games that has the series tied at 2! Tom notes the unbelievable play of Shohei Ohtani in this series, but you could see the wear starting to show. Tom points out some of the big performers in the Series while Joe explains what he's really loved seeing from the Blue Jays! The Book of Joe Podcast is a production of iHeart Radio. #fsrSee omnystudio.com/listener for privacy information.

Rich Roll Podcast: Read the notes at at podcastnotes.org. Don't forget to subscribe for free to our newsletter, the top 10 ideas of the week, every Monday --------- Andy Galpin is a PhD in exercise bioenergetics, professor at Parker University, and elite performance coach to professional and Olympic athletes. This conversation explores his framework of nine fitness adaptations and why many people plateau in what could be called the "gray zone"—working hard enough to feel exhausted but not specifically enough to trigger adaptation. We discuss how movement quality often matters more than intensity, the difference between functional overreaching and overtraining, and what's actually limiting your progress. Also, Andy coaches me through rebuilding movement patterns after spinal fusion surgery. Andy translates complex exercise science into practical training wisdom. Enjoy! Show notes + MORE Watch on YouTube Newsletter Sign-Up Today's Sponsors: On: High-performance shoes & apparel crafted for comfort and style

In this transformative episode of the $100 Million Podcast, Brad Sugars issues a blunt reality check: if you're the business, you don't have a business, you have a demanding job working for a crazy person, namely yourself. He redefines a true business as a commercial, profitable enterprise that thrives without the owner's constant presence, introducing his golden rule of leverage: do the work once, get paid forever. Drawing from his own life, Brad recounts how, after 10 years building Action Coach, he appointed a CEO to run the company so he could step away and be a present dad when his daughter was born. He also shares the clever story of a multi-award-winning hairdresser who faked a broken arm to force a handoff of clients, ultimately tripling his prices, working one day a week, and keeping the salon thriving. Brad lays out the three foundational pillars, robust systems (document, automate, delegate with training and measures), an empowered team (recruited, trained, and trusted), and strong cash flow (through predictable leads, sales, and repeat business) and maps the four levels of work that elevate you from employee (paid once) to manager (paid long-term), owner (paid forever), and finally investor (money works for you). This episode is your roadmap to escaping the owner's trap, systemizing your way to freedom, and building a scalable enterprise that doesn't collapse without you.Subscribe to the $100 Million Podcast now and never miss a strategy to scale your freedom and wealth.About Brad SugarsInternationally known as one of the most influential entrepreneurs, Brad Sugars is a bestselling author, keynote speaker, and the #1 business coach in the world. Over the course of his 30-year career as an entrepreneur, Brad has become the CEO of 9+ companies and is the owner of the multimillion-dollar franchise ActionCOACH®. As a husband and father of five, Brad is equally as passionate about his family as he is about business. That's why, Brad is a strong advocate for building a business that works without you – so you can spend more time doing what really matters to you. Over the years of starting, scaling and selling many businesses, Brad has earned his fair share of scars. Being an entrepreneur is not an easy road. But if you can learn from those who have gone before you, it becomes a lot easier than going at it alone.Please click here to learn more about Brad Sugars: https://bradsugars.com/Learn the Fundamentals of Success for free:The Big Success Starter: https://results.bradsugars.com/thebigsuccess-starter

How do you "sharpen the countenance of a friend"? I have had friends like this in my life. ******* By the way, if you haven't bought a copy of my new book yet, check it out here: https://www.amazon.com/Dreams-Visions-Stories-Faith-Pastor/dp/161493536X

You are listening to a message from Associate Pastor Ryan Scott who is the Assimilation & Groups Pastor at Rosedale Baptist Church in Rosedale, MD. Each week we provide these messages to help you grow in your faith and find encouragement through God's Word.

Rich Roll Podcast Key Takeaways  Fitness is an expression of capacity, not just effort True fitness reflects your ability to perform a specific task or output, not how hard you trainConsistently + a well-designed program beats intensity and noveltyHire one good coach, adhere to the plan for at least 10 weeks, and measure progress before changing directionClarity and intent derive adaptation: Always start with a needs analysis: define your goal, then identify “defenders” – the factors currently preventing you from achieving itTraining must have a clear intent, tracked progress, and intelligent variationRandom workouts will still burn calories but help reach a specific goal Manage stress before chasing performanceAll stress (training, life, sleep, work) fills one stress bucket — overflow leads to injury or burnoutRemove performance anchors (junk miles, poor sleep, emotional stress) before adding performance acceleratorsOvertraining and recovery require patience: Most people are under-recovered, not overtrained; true overtraining causes physiological damage that can take months to a year to reverseBalance effort across zones: ~60% in work capacity, 10–20% skill/recovery, and only 5–10% in the “red zone”Recovery is the foundation of long-term adaptability: prioritize sleep, nutrition, and stress managementNutrition, metabolic flexibility, and NEAT matter more than you think Nutrition has a far greater impact on body composition than exercise; calorie expenditure from workouts is often overstatedActivity outside of exercise can make up 5–20% of total energy output; the body will upregulate or downregulate NEAT based on exercise Read the full notes @ podcastnotes.orgAndy Galpin is a PhD in exercise bioenergetics, professor at Parker University, and elite performance coach to professional and Olympic athletes. This conversation explores his framework of nine fitness adaptations and why many people plateau in what could be called the "gray zone"—working hard enough to feel exhausted but not specifically enough to trigger adaptation. We discuss how movement quality often matters more than intensity, the difference between functional overreaching and overtraining, and what's actually limiting your progress. Also, Andy coaches me through rebuilding movement patterns after spinal fusion surgery. Andy translates complex exercise science into practical training wisdom. Enjoy! Show notes + MORE Watch on YouTube Newsletter Sign-Up Today's Sponsors: On: High-performance shoes & apparel crafted for comfort and style

Today is the fourth episode in my Fundamentals of Parenting Teens podcast series. (Previous episodes in the series: 234, 235, and 236)If you're constantly battling with your teenager and their behavior seems to be getting worse instead of better, the problem might not be your teen—it might be your approach.In today's episode I'll explain why supporting your teen's autonomy is the key to reducing conflict, staying connected, and actually improving their behavior in the long run.I'll give you 8 actionable strategies to support their autonomy while also keeping them safe...including what to do instead of punishing them.You can also watch this series on YouTube.And be sure to listen to the following helpful episodes as well:Episodes 15 16 22 94 and 148 Show Notes and TranscriptFind our FREE Parenting Guides Here"I just wanted to let you know that I'm so thankful for your podcast! ...I'm so happy I discovered it!" Speaking of Teens Listener^If you feel the same way, please consider rating and reviewing my show! This helps people know the show is worth their time to listen. Tap here, to go to Apple podcasts, and scroll down until you see the STARS to tap on the last star, then tap on “Write a Review” and let me know what you love about the show. If you're listening in Spotify, you can also rate the show by going to the main episode page and tap the 3 dots to the right of the follow button, tap rate show and tap the 5th star!Thank you in advance for helping me help more parents!The 5-Day Reboot: From Conflict to Cooperation - receive bite-sized lessons in your in-box for 5 days that will make a huge difference between you and your teen...for under $50! Check out the podcast on YouTube! Email Ann at acoleman@speakingofteens.com Check out PARENT CAMP - a cohort-based, 10-week experience that includes a virtual course, in-depth exercises and tools, and weekly live meetings with Ann, where you will learn how to strengthen your relationship and decrease the conflict with your teens and tweens (while improving their behavior.)Connect with us on Facebook or Instagram Read Speaking of Teens weekly articles on Substack Join our Facebook Group for Free Support for Parents and others who care for Teens (and get easy access to all the parenting guides above!)See My Recommended Books For Both You And Your Teen

The stock price (which is all you care about) has both fundamentals and the charts priced in to it. You should be looking at both. Here are the links to all the sales: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TRENDSPIDER - HUGE SALE - Get 1 year with 52 trainings for less than the price of piano or golf lessons ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

In this episode of Lead-Lag Live, I sit down with Seth Cogswell, Managing Partner at Running Oak Capital, to unpack the strange market dynamic where low-quality, high-debt companies are outperforming — and why that may be setting up one of the biggest long-term buying opportunities in years.From zombie stocks to the passive investing paradox, Seth breaks down why common-sense investing has vanished from today's markets — and how his “buy low, sell high” discipline at Running Oak is bringing it back.In this episode:– Why profitable, high-quality companies are lagging speculative names– What the “buying a Lexus for the price of a Camry” moment means for investors– How passive flows have hollowed out the core of the market– Why most portfolios no longer follow the buy-low, sell-high principle– The mission behind Seth's new educational series Not So Passively AggressiveLead-Lag Live brings you inside conversations with the financial thinkers who shape markets. Subscribe for interviews that go deeper than the noise.Start your adventure with TableTalk Friday: A D&D Podcast at the link below or wherever you get your podcasts!Youtube: https://youtube.com/playlist?list=PLgB6B-mAeWlPM9KzGJ2O4cU0-m5lO0lkr&si=W_-jLsiREjyAIgEsSpotify: https://open.spotify.com/show/75YJ921WGQqUtwxRT71UQB?si=4R6kaAYOTtO2V Sign up to The Lead-Lag Report on Substack and get 30% off the annual subscription today by visiting http://theleadlag.report/leadlaglive. Support the show

How do you "sharpen the countenance of a friend"? Sometimes you have to push them out of their comfort zone. ******* By the way, if you haven't bought a copy of my new book yet, check it out here: https://www.amazon.com/Dreams-Visions-Stories-Faith-Pastor/dp/161493536X

Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society.   In this episode, Justin interviews Chrystina Howard, the ERM Leader of the Complex Risk Practice at HUB International. Chrystina relates a bit of her career and then explores topics around emerging disruptions such as climate change and extreme weather, geopolitical whiplash, the pandemic, and AI. Chrystina shares her recipe for organizational resilience and some tips for catching and holding the attention of the C-Suite and the board.   Listen for hints about Chrystina's upcoming webinar and her presentation on November 17th at the RIMS ERM Conference 2025 in Seattle, Washington.   Key Takeaways: [:01] About RIMS and RIMScast. [:14] The RIMS CRO Certificate Program in Advanced Enterprise Risk Management is our live virtual program led by the famous James Lam. Great news! A third cohort has been announced, from January through March 2026. [:32] Registration closes January 5th. Enroll now! A link is in this episode's show notes. [:43] About this episode of RIMScast. We will talk all about ERM with Chrystina Howard, ERM Leader of the Complex Risk Practice at HUB International. But first… [1:10] RIMS-CRMP Prep Workshops! The CBCP and the RIMS-CRMP are presenting The Exam Prep Bootcamp for "Mastering Business Continuity and Risk Management" from November 3rd to 6th. That is a virtual course. [1:23] 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. [1:40] 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. [1:54] 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 the virtual workshops! [2:13] 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. [2:24] RIMS Webinars! On October 30th, Swiss Re will present "Parametric Insurance: Providing Financial Certainty in Uncertain Times". On November 6th, HUB will present "Geopolitical Whiplash — Building Resilient Global Risk Programs in an Unstable World". [2:45] Register at RIMS.org/Webinars. [2:48] The RIMS ERM Conference 2025 will be on November 17th and 18th in Seattle, Washington. [2:56] If you are a Washington resident who would like to attend, you can enjoy an exclusive $150 discount on your registration by entering the discount code ERM2025WA on the Review step of the registration form. Act quickly because this offer expires on Friday, October 31st. [3:18] This is your chance to expand your ERM knowledge, here in Washington. That brings us to today's guest, Chrystina Howard. Chrystina is the ERM Leader of the Complex Risk Practice at HUB International, and she will be one of the presenters at the RIMS ERM Conference in Seattle. [3:39] On November 17th, she will present "Talk ERM to Me: How to Get and Keep Attention from Management." On November 6th, she will be moderating the HUB International Webinar "Geopolitical Whiplash — Building Resilient Global Risk Programs in an Unstable World." [3:59] Registration links for the conference and the webinar are in this episode's show notes. [4:04] On with the show! We're all about ERM in this episode, and I wanted to give you all a chance to get to know Chrystina a little bit, in case you want to meet with her virtually, in person, or both. Let's get to it! [4:14] Interview! Chrystina Howard, welcome to RIMScast! [4:22] We will see more of Chrystina soon, on November 17th and 18th, in Seattle, Washington, at the RIMS ERM Conference 2025. We're going to talk more about that in a bit. [4:39] Chrystina Howard spent a couple of decades with the Willis Towers Watson organization, where she looked after ERM consulting. She built out a platform and rolled it out, that is still going strong globally. [4:53] Chrystina says she was fortunate to come to the HUB International organization, with a great culture, where she kick-started an ERM Consulting Division. She's having a blast, helping clients get what they need in terms of risk management. [5:14] Chrystina says that when building the ERM Consultancy, she had a lot of great folks to work with and two decades under her belt of developing processes and models. She was set to go as soon as she arrived at HUB. [5:31] Chrystina says they have great specialization, and she is able to get into a lot of industry risk information that she may not have known, to build out the breadth of the consultancy. She helps people learn what ERM is, how it's used, how it works, and why people are interested in it. [5:53] Chrystina says, We're just guns blazing, now! [6:09] Chrystina says geopolitical risks are definitely at the forefront for organizations. This includes economic volatility around the globe, tariffs, and import/export regulations between countries, that will call the shots for some time.  [6:27] Chrystina says right along with geopolitical risks will be the effective use of AI. There are security concerns with AI. Some people are not comfortable with it. We're moving into a phase where we've got to put AI to work for us. How can we do that effectively and securely? [6:44] Chrystina says a lot of industries will have staffing challenges, particularly skilled workers. It will hit the healthcare industry pretty hard, along with agriculture, and construction. [6:58] Chrystina says she is seeing a bit of a resurgence in ESG risks. Despite the regulatory environment, people are keen to make sure that companies are being good environmental stewards, treating employees fairly, and behaving as the public thinks is appropriate. [7:41] AI will make data compilation and claims processing faster. Chrystina has been reading of physicians and medical practitioners using AI as a background double-check when they're working toward a diagnosis. [7:58] With its access to information, AI might ask, Your diagnosis is probably right, but did you consider this? We hope this will enhance the diagnostic process, and not take over. [8:11] There is a concern that there's pressure to use AI tools because your colleagues are using them. If you rely on it too much, that can also backfire. We're going to have to strike a balance. [8:40] Chrystina is an optimist when it comes to AI. AI tools can make shorter work of a lot of things in ERM, like scenario analysis; having a tool that will allow you to see multiple scenarios that maybe individuals couldn't come up with on their own, and make decisions from them. [9:06] Chrystina mentions automation for reporting and metric updates. Successful organizations that have the resources can use AI in ERM training, policy updates, and even collecting information through surveys and interviews. [9:23] Enhancing dashboards is a big focus going forward, getting a robust database that gives alerts and keeps everybody up to date. [9:35] Justin mentions crises of the past few years. The Baltimore Key Bridge collapsed a year ago, and we don't hear about it anymore. Justin asks, How can ERM leaders keep resilience and risk appetite aligned with long-term strategy, rather than reactive short-term fixes. [10:00] Chrystina thinks ERM, by nature, is focused on preparation and then response. It takes into account "left of loss." Before the incident occurs, how can we prepare ourselves the best and implement plans should something happen?  [10:16] Chrystina has seen organizations widely embrace ERM more readily following the successful navigation of crises. [10:24] It would behoove ERM leaders to seize that opportunity and make a great connection between the protection and preparation that ERM brought through the crisis to the strategic success of the organization. [10:40] ERM leaders may have to campaign a little bit still, but it's something they can point out to executives, and the selling of ERM will be a lot easier. [10:53] Quick Break! RISKWORLD 2026 will be in Philadelphia, Pennsylvania, from May 3rd through the 6th. RIMS members can now lock in the 2025 rate for a full conference pass to RISKWORLD 2026 when you register by October 30th! [11:12] This also lets you enjoy earlier access to the RISKWORLD hotel block. Register by October 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! [11:26] The members-only registration link is in 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! [11:37] Save the dates March 18th and 19th, 2026, for The RIMS Legislative Summit, which will be held in Washington, D.C. [11:46] Join us in Washington, D.C., for two days of Congressional Meetings, networking, and advocating on behalf of the risk management community. Visit RIMS.org/Advocacy for more information and updates and to register. [12:02] Let's return to our interview with Chrystina Howard! [12:08] Chrystina Howard is the ERM Leader of the Complex Risk Practice at Hub International. Justin asks Chrystina about ERM leaders needing to campaign. Chrystina is one of the featured presenters at the RIMS ERM Conference 2025 in Seattle, Washington, November 17th and 18th. [12:58] Chrystina's foundational session is called "Talk ERM to Me: How to Get and Keep Attention from Management." It is a solo session. She likes to be at the controls! [14:09] Chrystina says speaking about risk to management is a perennial struggle. One of the top questions she gets is how to translate ERM for the C-Suite so they understand the value of the work. [14:21] As risk management professionals, we often get excited about details that might not capture management's attention. [14:29] We have to think about things from the perspective of a CEO and a CFO. What things are important to them? What are they keeping an eye on? How does this relate to the bottom line? Connect those things. Connect risk management to strategy. [14:45] Demonstrate how the protection and preparation of things like Enterprise Risk Management support the execution of corporate strategy. When you're talking to the C-Suite, you've got to hit the high points, quick, like an elevator speech. [15:00] Link positive impacts of risk management to things that the C-Suite is focused on. Grab attention with things that are on their minds, like growth, M&A, performance volatility, how we're doing in the market, how these things play out, and how to help minimize volatility. [15:20] Chrystina says we see a lot of interest from private equity in the strategic business practice of ERM. That's a good thing for risk professionals to keep in mind as they campaign for ERM. There are other people who are keen to know about it. [15:48] ERM gets alerts about negative trends, but it's important to keep the positive news coming too about how they helped create a solution, minimize a threat, and protected the organization so that operations can continue and the strategy can go forward. [16:33] Chrystina says Streamline things. She approaches ERM from a practical and realistic perspective. She doesn't like a lot of jargon or a lot of metrics. She likes simple, streamlined stuff that everybody can get on board with. [16:51] Chrystina tells people, Don't boil the ocean. Participants and risk owners are going to get bogged down if they've got too many things to keep track of. Set up tiers of risks. Start at the top. What can we affect over the next year or two years? [17:10] Keep it practical and realistic. Limit the amount of information you collect. If you start adding different metrics and definitions, that can be a slippery slope. You have to train people how to do it. They have to remember what it's supposed to be. And there are updates to fill out! [17:33] Think about how often you're asking people to update. Every so often, have a blank-sheet risk assessment. Limit how often you do updates throughout the year. [18:14] Reporting intervals should be more than twice a year. Strict ERM practitioners are going to be monitoring risks and looking at the dashboard and the risk register, preparing all the time to report to management. [18:34] Risk owners are an important source of information. All of those folks already have a job; maybe a job and a half. We have to be careful about how we engage them so that we get robust information and we don't overwhelm them. [18:50] When we do updates, they should be limited but powerful. These are the big things that you want executives to know about. Once a year, when you do your board presentation, tell them these things are going great and you want to update them on these other things. Keep it simple. [19:19] One Final Break! As many of you know, the RIMS ERM Conference 2025 will be held on November 17th and 18th in Seattle, Washington. We recently had ERM Conference Keynote Speaker Dan Chuparkoff on the show. [19:36] He is back, just to deliver a quick message about what you can expect from his keynote on "AI and the Future of Risk." Dan, welcome back to RIMScast! [19:47] Dan says, Greetings, RIMS members and the global risk community! I'm Dan Chuparkoff, AI expert and the CEO of Reinvention Labs. I'm delighted to be your opening keynote on November 17th, at the RIMS ERM Conference 2025 in Seattle, Washington. [20:02] Artificial Intelligence is fueling the next era of work, productivity, and innovation. There are challenges in navigating anything new. This is especially true for risk management, as enterprises adapt to shifting global policies, economic swings, and a new generation of talent. [20:20] We'll have a realistic discussion about the challenges of preparing for the future of AI. To learn more about my keynote, "AI and the Future of Risk Management," and how AI will impact Enterprise Risk Management for you, listen to my episode of RIMScast at RIMS.org/Dan. [20:39] Be sure to register for the RIMS ERM Conference 2025, in Seattle, Washington, on November 17th and 18th, by visiting the Events page on RIMS.org. I look forward to seeing you all there. [20:50] Justin thanks Dan and looks forward to seeing him again on November 17th and hearing all about the future of AI and risk management! [20:58] Let's Conclude Our Interview with Chrystina Howard! [21:05] Justin reminds the listeners, Before we get to see Chrystina live at the ERM Conference 2025, she will be moderating a RIMS Webinar sponsored by HUB, titled "Geopolitical Whiplash — Building Resilient Global Risk Programs in an Unstable World." [21:23] Chrystina says everyone is talking about this, and she's excited to get some great experts about it on the line. Justin notes that over the past few years, geopolitical volatility has intensified with trade wars, sanctions, and supply chain disruption. [21:54] Chrystina says there are so many, and they are interrelated. In conflict areas, everything gets turned upside-down. On a global basis, the U.S. economy has broad-reaching impacts. She would keep an eye on import/export trends. This global trade issue is so volatile and dynamic. [22:22] You cannot sleep on the changing regulations around the world. An important subset related to global trade is increasing requirements for in-country hiring and procurement. That will affect a lot of people with respect to where we grow things and get raw materials and tech. [22:51] Chrystina doesn't think we've seen the end of supply chain disruption. She mentions extreme weather from climate change. A large component of the outcome of climate change is energy security. She doesn't think we're clear of pandemics, either. [23:11] Justin says Hilary Tuttle, Editor of RIMS Risk Management magazine, told him something a year ago that has stayed with him. "We're not in post-pandemic anymore. We're in post-height-of-the-pandemic." It's still here. It's never going away. [24:11] Chrystina says there is no substitute for local knowledge and experience. The best way to approach a Global ERM Program across all of your jurisdictions is for ERM leaders to have deputies in each of the jurisdictions. [24:30] These deputies should have a very keen sense of the landscape in their region in terms of policy, risk, interactions, and trade, as well as an understanding of the big picture across the global organization. [24:46] Those people will be key to develop in all of your locations to support the ERM function. They have a job. It doesn't mean hiring extra staff. You can generally find people with that level of expertise locally, with a good understanding of the big picture, within your existing personnel. [25:15] Making that connection with individuals who know exactly what's happening there on the ground is crucial. Chrystina says that is the very best solution. [25:49] Chrystina says there are a number of stakeholders for any organization, internal and external. Chrystina is seeing favorable views from insurers toward companies and organizations that have implemented ERM globally. [26:07] Other key stakeholders also want assurances that there are plans in place to protect them. This goes back to the inception of ERM when there was serious mismanagement at companies like WorldCom and Enron. [26:23] Everybody's board was asking who's minding the store? This isn't going to happen to us, right? [26:27] All of this risk is ultimately going to roll up to your reputation. That's difficult but not impossible to quantify. You can demonstrate how ERM plans address global threats in an anecdotal fashion. That will communicate real value and put people's minds at ease. [26:52] You can do that in a country-specific way with partners in the countries to communicate the nuances, and give you information about how things work in there, why the risk is a problem, what are the drivers, what are the vulnerabilities, and how might this take place? [27:19] That session will be on November 6th. Chrystina will moderate it with Eric Howie, the Vice President for Complex Risk in Canada, and Will Mule, Global Risk Solutions Practice Leader for HUB. For that session, Chrystina asks listeners to send in their questions ahead of time. [28:00] The links to both the ERM Conference 2025 and the Webinar, "Geopolitical Whiplash — Building Resilient Global Risk Programs in an Unstable World," are in this episode's show notes. [28:12] Chrystina, it's been lovely to see you again. I can't wait to see you virtually and in person. [28:21] Special thanks again to Chrystina Howard for joining us. Remember to register for the HUB November 6th Webinar, "Geopolitical Whiplash — Building Resilient Global Risk Programs in an Unstable World," that she will be moderating. [28:32] On November 17th, Chrystina will be hosting the session, "Talk ERM to Me" (but she'll be talking to you), at the RIMS ERM Conference 2025! Registration links for the Webinar and for the RIMS ERM Conference 2025 are in this episode's show notes. [28:51] Plug Time! You can sponsor a RIMScast episode for this, our weekly show, or a dedicated episode. Links to sponsored episodes are in the show notes. [28:19] 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. [28:38] 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. [28:55] 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. [30:12] 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. [30:26] Justin Smulison is the Business Content Manager at RIMS. Please remember to subscribe to RIMScast on your favorite podcasting app. You can email us at Content@RIMS.org. [30:38] Practice good risk management, stay safe, and thank you again for your continuous support!   Links: RIMS ERM Conference 2025 — Nov. 17‒18 Washington Residents — Enjoy $150 off ERM Conference Registration through Oct. 31! "RIMS-CRO Certificate Program In Advanced Enterprise Risk Management" | Jan‒March 2026 Cohort | Led by James Lam RISK PAC | RIMS Advocacy | RIMS Legislative Summit SAVE THE DATE — March 18‒19, 2026 RISKWORLD 2026 — Members-only early registration through Oct 30! LAST DAYS! RIMS-Certified Risk Management Professional (RIMS-CRMP) The Strategic and Enterprise Risk Center RIMS Diversity Equity Inclusion Council RIMS Risk Management magazine | Contribute RIMS Now RIMS Professional Report: "Understanding Interconnected Risks" Upcoming RIMS Webinars: RIMS.org/Webinars "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: CBCP & RIMS-CRMP Exam Prep Bootcamp: "Mastering Business Continuity & Risk Management" | November 3‒6, 2025 "RIMS-CRMP-FED Exam Prep Virtual Workshop" — November 11‒12 Full RIMS-CRMP Prep Course Schedule "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 ERM: "AI and the Future of Risk with Dan Chuparkoff" (RIMS ERM Conference Keynote) "Shawn Punancy of Delta Flies High With ERM" "Tom Brandt on Growing Your Career and Organization with ERM" "James Lam on ERM, Strategy, and the Modern CRO" "ERM, Retail, and Risk with Jeff Strege" "Bigger Risks with the Texas State Office of Risk Management" | Sponsored By Hillwood "ERMotivation with Carrie Frandsen, RIMS-CRMP" "Live from the ERM Conference 2024 in Boston!" "Risk Quantification Through Value-Based Frameworks"   Sponsored RIMScast Episodes: "Mastering ERM: Leveraging Internal and External Risk Factors" | Sponsored by Diligent (New!) "Cyberrisk: Preparing Beyond 2025" | Sponsored by Alliant (New!) "The New Reality of Risk Engineering: From Code Compliance to Resilience" | Sponsored by AXA XL "Change Management: AI's Role in Loss Control and Property Insurance" | Sponsored by Global Risk Consultants, a TÜV SÜD Company "Demystifying Multinational Fronting Insurance Programs" | Sponsored by Zurich "Understanding Third-Party Litigation Funding" | Sponsored by Zurich "What Risk Managers Can Learn From School Shootings" | Sponsored by Merrill Herzog "Simplifying the Challenges of OSHA Recordkeeping" | Sponsored by Medcor "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   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: Chrystina Howard, ERM Leader, Complex Risk Practice, HUB International   Production and engineering provided by Podfly.  

In this episode, Craig Jeffery talks with Lisa Christie and Tom Gregory of TD Bank about why fraud prevention still hinges on mastering the basics. They explore escalating threats, the power of alerts, the principle of least privilege, and how education is key to staying ahead.

In this episode of the Coaching 101 Podcast, hosts Daniel Chamberlain and Kenny Simpson discuss a recent game and the intricacies of balancing player rotations, particularly during a dominant lead against strong opponents. They delve into coaching strategies for gap schemes, focusing on down blocks, pulling linemen, and ensuring consistent execution. The episode also covers practical tips for preventing injuries while maintaining competitiveness as playoffs approach. They highlight key points from Tim Ferris's quote on efficiency and offer insights into tools and resources for coaches, including Ace Sports and Winning Edge Performance Analytics. The hosts also promote upcoming Gun T Clinic events and the release of new coaching resources.00:00 Introduction and Game Recap03:53 Quote of the Week: Tim Ferris on Efficiency05:04 Sponsor Shoutouts and Announcements06:19 Gun T Clinics Overview11:21 Fundamentals of Gap Scheme Football27:32 Engaging Kids in Drills28:17 Challenges in Defensive Reads29:31 Violence of Action in Blocking31:43 Importance of Tight Pulls37:47 Down Blocks and Self-Correction46:27 Managing Player Rotations53:12 Sponsors and Final ThoughtsDaniel Chamberlain: @CoachChamboOK ChamberlainFootballConsulting@gmail.com chamberlainfootballconsulting.com Kenny Simpson: @FBCoachSimpson fbcoachsimpson@gmail.com FBCoachSimpson.com

John Baumgartner discusses Beyond Meat (BYND) as a company and a meme stock. Trading volume has spiked recently, bringing shares up over 40% over the last five days. “Fundamentals haven't really changed,” he stresses. “The past 5 or 6 years, we've seen this category struggle.” He thinks there's been too much focus on beef in the industry, it hasn't penetrated food service, and the “long term growth is not going to be what it was.”======== Schwab Network ========Empowering every investor and trader, every market day.Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/About Schwab Network - https://schwabnetwork.com/about

Aurecon’s chief engineer Tanya de Hoog sits down with Silicon Valley pioneer Chandrakant Patel. They explore how imagination fuels innovation and why engineering fundamentals like rigour, creativity and systems thinking are as important today as they have ever been. See omnystudio.com/listener for privacy information.

How do you "sharpen the countenance of a friend"? ******* By the way, if you haven't bought a copy of my new book yet, check it out here: https://www.amazon.com/Dreams-Visions-Stories-Faith-Pastor/dp/161493536X

Alex King from Cestrian Capital Research and Growth Investor Pro on staying calm in volatile and confusing markets (0:35). We're early in the AI demand cycle (1:50). Quantum computing and government intervention (11:40). Tesla earnings (13:35). Why gold's gotten ahead of itself (17:30). Intel and semiconductors (21:10).Show Notes:Will This Market Go Higher Than Anyone Expects?Tech Volatility Is A Feature Not A BugQuantum Names PopAll Cap Investing With Kirk SpanoEpisode transcriptsFor full access to analyst ratings, stock and ETF quant scores, and dividend grades, subscribe to Seeking Alpha Premium at seekingalpha.com/subscriptions

NOTAS DE ELENAMaterial complementario de la escuela Sabática para adultosNarrado por: Patty CuyanDesde: California, USAUna cortesía de DR'Ministries y Canaan Seventh-Day Adventist ChurchLUNES, 27 DE OCTUBREEL JUEZ SUPREMOTenemos un enemigo poderoso, y no solo odia a todo ser humano hecho a imagen de Dios, sino que con la más encarnizada enemistad odia a Dios y a su Hijo unigénito Jesucristo. Cuando los hombres se entregan para ser esclavos de Satanás, él no manifiesta hacia ellos la enemistad que manifiesta hacia los que llevan el nombre de Cristo y se entregan al servicio de Dios. Los odia con un odio mortal. Sabe que puede contristar a Jesús poniéndolos bajo el poder de sus engaños, hiriéndolos, debilitando su fe, haciéndolos incapaces de prestar a Dios el servicio que se les exige bajo su Capitán Jesucristo. Satanás permitirá cierto grado de descanso a los que están atados como esclavos a su carro, porque son sus cautivos voluntarios; pero su enemistad se despierta cuando el mensaje de misericordia llega a sus esclavos, y estos procuran zafarse de su poder a fin de seguir al verdadero Pastor. Entonces es cuando él procura atarlos con cadenas adicionales para mantenerlos en su cautiverio. El conflicto entre el alma y Satanás comienza cuando el cautivo empieza a tirar de la cadena y anhela ser libre; porque es entonces cuando el agente humano empieza a cooperar con las inteligencias celestiales, cuando la fe se aferra a Cristo. Entonces es cuando el Más Fuerte que el hombre fuerte armado es el ayudador del alma, y el pobre cautivo es fortalecido por el Espíritu Santo para obtener su libertad. Dios tiene un amor profundo y ferviente por cada miembro de la familia humana; ninguno es olvidado, ninguno es dejado indefenso y engañado para ser vencido por el enemigo. Si los que se han alistado en el ejército de Cristo se visten con toda la armadura de Dios y la usan, estarán a prueba de todos los asaltos del enemigo. Aquellos que realmente desean ser enseñados por Dios y andar en sus caminos tienen la promesa segura de que, si sienten su falta de sabiduría y le piden a Dios, él les dará abundantemente y no los reprenderá. El apóstol dice: "Pida con fe, no dudando nada; porque el que duda es semejante a la onda del mar, que es arrastrada por el viento y echada de una parte a otra. No piense, pues, quien tal haga, que recibirá cosa alguna del Señor. El hombre de doble ánimo es inconstante en todos sus caminos". Santiago 1:6-8. Dios garantiza cada promesa, y no podemos deshonrarlo más que cuando cuestionamos y dudamos, cuando pedimos y no creemos, y cuando hablamos de duda. Si no recibís inmediatamente lo que habéis pedido, ¿seguiréis en la hosquedad y la incredulidad? Creed; creed que Dios hará exactamente lo que ha prometido. Mantened vuestras oraciones ascendentes, y velad, trabajad y esperad. Pelead la buena batalla de la fe. Decid a vuestro corazón: "Dios me ha invitado a venir. Él ha escuchado mi oración. Ha empeñado su palabra de que me recibirá, y cumplirá su promesa. Puedo confiar en Dios, porque tanto me amó que dio a su Hijo unigénito para que muriera por mí. El Hijo de Dios es mi Redentor". "Pedid, y se os dará; buscad, y hallaréis; llamad, y se os abrirá". Mateo 7:7. "Pues si vosotros, siendo malos, sabéis dar buenas dádivas a vuestros hijos, ¿cuánto más vuestro Padre celestial dará el Espíritu Santo a los que se lo pidan?" Lucas 11:13 (Fundamentals of Christian Education, p. 299). 

Dave Seymour is based in Boston where he became known for the star of the hit A&E TV show Flipping BostonTo connect with Dave, reach out to him directly at:https://www.linkedin.com/in/daveseymour343/or on his website at https://www.freedomventure.com/

Coach Marianne “Coach B” Blackwell knows what it takes to compete. From growing up in Middleton, Idaho, to leading her team at Brigham Young University to the Sweet 16, she's experienced every level of the game — and now she's shaping the next generation of athletes. In this conversation, we cover: How growing up in a competitive family molded her game The transition from JUCO to D1 basketball at BYU Why effort, fundamentals, and mindset still matter more than flash How the landscape of women's basketball has evolved Club vs. high school coaching philosophies How parents can best support their athletes Building teams that stay together through adversity Whether you're a coach, athlete, or parent, this episode gives you a look at the realities of player development, leadership, and resilience in the world of basketball. Follow The Gametime Guru Podcast for more in-depth conversations with athletes and coaches who inspire. #Basketball #WomensBasketball #BYU #Coaching #PlayerDevelopment #HighSchoolSports #ClubBasketball #SportsMindset #Leadership #Podcast #TheGametimeGuru

Andy Galpin is a PhD in exercise bioenergetics, professor at Parker University, and elite performance coach to professional and Olympic athletes. This conversation explores his framework of nine fitness adaptations and why many people plateau in what could be called the "gray zone"—working hard enough to feel exhausted but not specifically enough to trigger adaptation. We discuss how movement quality often matters more than intensity, the difference between functional overreaching and overtraining, and what's actually limiting your progress. Also, Andy coaches me through rebuilding movement patterns after spinal fusion surgery. Andy translates complex exercise science into practical training wisdom. Enjoy! Show notes + MORE Watch on YouTube Newsletter Sign-Up Today's Sponsors: On: High-performance shoes & apparel crafted for comfort and style

China's Economic Woes and Rare Earth Export Controls Raise Global Alarms. Elaine Dezenski discusses how the US Treasury Secretary remarked that China's worrying economic fundamentals—including high debt and youth unemployment—are leading Beijing to use tactics like rare earth export controls to undermine the global economy. China acts as a "non-market player" using subsidies and forced labor, which corrodes the free market. Experts suggest the US must acknowledge these non-market practices and push for transparency and adherence to new, strict global trade rules. 1899 CANTON (NOW GUANGZHOU)

Bugzy Malone is a British rapper, actor, and entrepreneur from Manchester, England. From gang life to greatness, Bugzy Malone's rise is a story of struggle, survival, and self-belief. As one of the most defining voices in UK rap, his journey is equal parts pain and power. Expect to learn why being a role model takes it's toll on some people, the life altering accident that changed Bugzy forever, how Bugzy deals with pressure, fame and his recent tussle with is ego, how to stay hungry even after you achieved your goals, the story of how Bugzy's upbringing and how it shamed him as a persona and an artist, what it was like for Bugzy to work with Guy Ritchie, how Bugzy survived an armed robbery and lived to tell about it, and much more… Sponsors: See discounts for all the products I use and recommend: https://chriswillx.com/deals Get $100 off the best bloodwork analysis in America at https://functionhealth.com/modernwisdom Get a Free Sample Pack of LMNT's most popular flavours with your first purchase at https://drinklmnt.com/modernwisdom Get 5 Free Travel Packs, Free Liquid Vitamin D, and more from AG1 at https://ag1.info/modernwisdom Get 35% off your first subscription on the best supplements from Momentous at https://livemomentous.com/modernwisdom Timestamps: (0:00) Pressure is a Privilege (6:48) Surviving Chaos (14:38) We're Not Alone (19:28) Bugzy's Crash Was the Wake Up Call He Needed (31:07) Was Guy Ritchie the Key to Recovery? (37:03) Motivation is Constantly Evolving (49:01) How Resilience Kept Bugzy Alive (58:23) What Has Bugzy Learnt from Guy Ritchie? (01:01:24) Money Can Only Take You So Far (01:13:54) Is Fame a Cage? (01:25:04) Why We Should Focus on the Fundamentals (01:29:57) Fame Controls Perceptions (01:37:10) Diving into the Chaos of the Robbery (01:50:28) Fighting Through Life's Tests (01:55:21) Where Bugzy Finds Inspiration (02:01:32) What Was the Turning Point? (02:14:55) Is Rap Beef Genuine? (02:19:21) Self-Belief is the First Step Extra Stuff: Get my free reading list of 100 books to read before you die: https://chriswillx.com/books Try my productivity energy drink Neutonic: https://neutonic.com/modernwisdom Episodes You Might Enjoy: #577 - David Goggins - This Is How To Master Your Life: https://tinyurl.com/43hv6y59 #712 - Dr Jordan Peterson - How To Destroy Your Negative Beliefs: https://tinyurl.com/2rtz7avf #700 - Dr Andrew Huberman - The Secret Tools To Hack Your Brain: https://tinyurl.com/3ccn5vkp - Get In Touch: Instagram: https://www.instagram.com/chriswillx Twitter: https://www.twitter.com/chriswillx YouTube: https://www.youtube.com/modernwisdompodcast Email: https://chriswillx.com/contact - Learn more about your ad choices. Visit megaphone.fm/adchoices