Podcasts about gdv

Die Themen im heutigen Versicherungsfunk Update sind: Vertrauen in digitale Versicherungsabschlüsse wächst, persönliche Beratung bleibt wichtig Trotz hohem Vertrauen in digitale Kanäle bevorzugen viele Verbraucher beim Abschluss einer Versicherung weiterhin den persönlichen Kontakt. Laut einer neuen Deloitte-Umfrage halten zwar 65 Prozent Online-Abschlüsse für vertrauenswürdig, doch nur 48 Prozent würden etwa ihre Kfz-Police online abschließen, bei Lebensversicherungen sind es sogar nur 39 Prozent. Hinderungsgründe sind vor allem unklare Preisgestaltung, Angst vor falschen Angaben und der Wunsch nach Beratung. Deloitte sieht in einer besseren Verzahnung von Online- und Offline-Angeboten den Schlüssel zum Vertriebserfolg. Maklerrente: Diese fünf Fehler sollten Versicherungsmakler vermeiden Viele Versicherungsmakler befassen sich zu spät mit der Vorbereitung auf ihren Ruhestand – ein Risiko für die optimale Maklerrente. Ein Blogbeitrag von Sven Burkart zeigt die häufigsten Fehler: zu späte Planung, fehlende GDV-Daten, unstrukturierte Bestände, fehlender Hinterbliebenenschutz und unzureichende Regelungen zur künftigen Kundenbetreuung. Der Maklerpool WIFO bietet mit WIFIX eine Lösung, die frühzeitige Unterstützung und wachsende Maklerrenten ermöglicht. Pflegekosten: Frühzeitige Vorsorge schützt vor hohen Eigenanteilen Die Pflegekosten steigen weiter – doch bezahlbare Vorsorgelösungen sind möglich. Eine neue Studie der Rating-Agentur Assekurata im Auftrag des PKV-Verbands zeigt: Bereits ab 32 Euro monatlich lässt sich bei frühem Abschluss eine Pflegezusatzversicherung finden, die die Eigenanteile vollständig absichert. Die Untersuchung unterstreicht die Bedeutung kapitalgedeckter Vorsorge als stabile Lösung gegen das Demografie-Problem in der Pflege. US-Zölle sorgen für Turbulenzen bei Airlines und Tourismus Die jüngste Allianz Trade-Studie zeigt: Die neuen US-Zölle bremsen die Erholung der Tourismusbranche und Luftfahrtindustrie aus. Die Nachfrage nach Reisen in die USA sank deutlich – vor allem deutsche (-28 %) und spanische (-25 %) Touristen meiden aktuell die Vereinigten Staaten. Airlines verzeichnen eine sinkende Auslastung, doch sinkende Kerosinpreise stabilisieren die Margen. Während europäische Fluggesellschaften ein Umsatzplus von 10 % erwarten, leiden US-Airlines unter schwachem Wachstum. Steigende Flugzeugpreise könnten die Branche bis 2030 zusätzlich belasten. DVA und GDV starten neuen Zertifikatslehrgang zu Cyber- und digitalen Risiken Die Deutsche Versicherungsakademie (DVA) und der Gesamtverband der Deutschen Versicherungswirtschaft (GDV) bieten ab September 2025 den neuen Lehrgang „Risk and Insurance Manager Cyber & Digital Risk (DVA)“ an. Die modulare Weiterbildung richtet sich an Fach- und Führungskräfte der Branche und vermittelt Kompetenzen im Umgang mit Cyber- und digitalen Risiken. Der Lehrgang kombiniert Präsenz- und Onlineformate und endet mit einem anerkannten Zertifikat. Ziel ist es, Versicherungsunternehmen für aktuelle und künftige digitale Bedrohungen besser aufzustellen. Roland Schutzbrief steigert Beitragseinnahmen um 14,5 Prozent Roland Schutzbrief hat 2024 die Bruttobeitragseinnahmen um 14,5 Prozent auf 44,2 Millionen Euro gesteigert. Wachstumstreiber waren insbesondere der Fahrrad-Schutzbrief und strategische Kooperationen. Die Gesellschaft plant, das Produktangebot weiter auszubauen und neue Vertriebskanäle zu erschließen.

Die Themen im heutigen Versicherungsfunk Update sind: Banken sind strenger bei Kreditvergabe Ratenkredite sind in den letzten Monaten zwar deutlich günstiger geworden. Doch bei der Prüfung von Kreditanfragen gehen die Banken äußerst restriktiv vor. Wer im März über Verivox einen Ratenkredit aufnehmen wollte, erhielt in 47 % aller Fälle mindestens ein Finanzierungsangebot von einer Bank. Bei mehr als der Hälfte (53 %) der Kreditinteressierten fand sich keine Bank, die bereit war, ihnen das benötigte Geld zu leihen. Das zeigt eine aktuelle Analyse des Vergleichsportals Verivox. GDV warnt vor Brandschäden bei Lithium-Ionen-Batterien Die Zahl der Brände in Recyclingbetrieben und Müllfahrzeugen steigt – nicht zuletzt durch falsch entsorgte Lithium-Ionen-Batterien. Der GDV warnt vor erheblichen Brandschäden und fordert mehr Prävention. Mit einem neuen Leitfaden zum Brandschutz will der Verband sowohl Versicherer unterstützen, die Risiken leichter einschätzen zu können, als auch Recycling- und Entsorgungsunternehmen helfen, Risiken frühzeitig zu erkennen und gezielt zu minimieren. April wächst deutlich Mit einem Umsatzwachstum von 36 % im Jahr 2024 bestätigt die April Gruppe ihre strategische Ausrichtung. Der Gruppenumsatz liegt damit bei 860 Millionen Euro. Zudem verwaltet das Unternehmen inzwischen ein Prämienvolumen von 1,9 Milliarden Euro sowie Vermögenswerte in Höhe von 16 Milliarden Euro. Besonders dynamisch wuchs das Sachversicherungsgeschäft mit einem Umsatzplus von 24 % auf 230 Millionen Euro. Das internationale Krankenversicherungsgeschäft legte um sieben % auf 90 Millionen Euro zu. „Eine BU-Versicherung ist zu komplex“ Mythen rund um die Berufsunfähigkeitsversicherung (BU) sorgen oft für Verwirrung – von „Eine BU ist zu teuer“ bis hin zu „Man bekommt im Leistungsfall nichts“. Gemeinsam mit Experten der LV 1871 nehmen wir in dieser Serie die gängigsten BU-Irrtümer unter die Lupe und entkräften falsche Annahmen Schritt für Schritt. Dieses Mal sprechen wir mit Frank Leitgeb darüber, warum man nicht einfach eine BU online schnell abschließen kann. Lesen Sie das Interview auf www.versicherungsbote.de QBE Deutschland erweitert Team QBE Deutschland stellt Dr. Frank Amandi als neuen Senior Underwriter Financial Lines & Specialty Markets (FSM) ein. Der erfahrene Versicherungsexperte kommt von Berkshire Hathaway und bringt über 20 Jahre Branchenerfahrung mit. Auch der Bereich Property erhält Zuwachs: Nursena Özbek-Tanriverdi startet als Assistant Underwriterin. Beide arbeiten künftig in der Düsseldorfer Niederlassung. Steigende Gebühren für Girokonten Mehr als jedes fünfte kostenpflichtige Girokonto ist im letzten Jahr teurer geworden. Vor allem Sparkassenkunden müssen für ihr Konto oft tief in die Tasche greifen. Obwohl die Banken für Preiserhöhungen seit 2021 die Zustimmung der Kunden brauchen, haben sich seitdem sogar noch mehr Konten verteuert als in den Jahren zuvor. 80 % aller Befragten einer Verivox-Studie müssen für ihr hauptsächlich genutztes Girokonto Gebühren zahlen. Bei gut einem Fünftel (22 %) dieser Konten sind die Kosten in den letzten zwölf Monaten gestiegen.

Die Themen im heutigen Versicherungsfunk Update sind: Helvetia und Baloise planen Zusammenschluss Baloise und Helvetia wollen sich zur „Helvetia Baloise Holding AG“ zusammenschließen. Die neue Gruppe würde mit rund 20 Mrd. CHF Geschäftsvolumen zur zweitgrößten Versicherungsgruppe der Schweiz aufsteigen. Die Fusion soll jährliche Synergien von 350 Mio. CHF bringen und die Marktposition in Europa deutlich stärken. Der Vollzug ist für das 4. Quartal 2025 geplant. Mehr dazu unter www.versicherungsbote.de Helvetia: CFO und CRO kündigen Rückzug an Bei Helvetia stehen zwei Führungswechsel an: CFO Annelis Lüscher Hämmerli wird das Unternehmen spätestens Ende April 2026 verlassen, CRO Bernhard Kaufmann scheidet bereits zum 30. September 2025 aus. Beide Führungskräfte gehen auf eigenen Wunsch. Die Nachfolge ist noch offen. Versicherungsombudsfrau sieht auch Service-Mängel bei Versicherern Die Schlichtungsstelle für Versicherungen verzeichnete 2024 einen neuen Rekord. Ombudsfrau Sibylle Kessal-Wulf sieht darin kein Krisensignal, sondern auch einen Erfolg wachsender Bekanntheit. Doch neben neuen Streitpunkten wie Datenschutz geraten zunehmend auch Service-Defizite der Versicherer in den Fokus. Mehr dazu unter www.versicherungsbote.de Allianz Direct und ING starten digitale Kfz-Versicherungen Ab dem 4. Quartal 2025 können ING-Kundinnen und -Kunden Kfz-Versicherungen von Allianz Direct direkt über die ING-App und -Website abschließen. Die Kooperation zielt auf einfache, vollständig digitale Versicherungslösungen mit attraktiven Tarifen und hoher Nutzerfreundlichkeit. Axa bringt neuen Premiumtarif GesundExtra auf den Markt Axa erweitert ihr Portfolio in der Krankenvollversicherung um den neuen Premiumtarif GesundExtra. Der Tarif bietet flexible Wechselmöglichkeiten bei der Selbstbeteiligung sowie Regelungen zur Pauschalerstattung und Beitragsrückerstattung. Auch eine beitragsfreie Elternzeit nach der Geburt eines Kindes ist vorgesehen. Zum Start erhielt der Tarif die Bestnote FFF+ von Franke und Bornberg. Fahrraddiebstahl: Weniger Fälle, höherer Schaden 2024 wurden rund 135.000 versicherte Fahrräder gestohlen – 10.000 weniger als im Vorjahr. Dennoch mussten die Versicherer laut GDV mit 160 Mio. Euro so viel zahlen wie seit 20 Jahren nicht. Grund ist der Fokus auf teure Räder und E-Bikes: Der durchschnittliche Schaden stieg auf 1.190 Euro. Der GDV rät, den Versicherungsschutz zu überprüfen und hochwertige Räder separat abzusichern.

Die Themen im heutigen Versicherungsfunk Update sind: Rolf Wiswesser verstärkt MRH Trowe als Berater für den Maklervertrieb Das Makler- und Beratungshaus MRH Trowe baut seine Expertise im Vertrieb weiter aus. Seit April 2025 unterstützt Rolf Wiswesser das Unternehmen als Berater. Der erfahrene Vertriebsspezialist soll insbesondere Projekte begleiten, die auf eine Weiterentwicklung und den Ausbau des Maklergeschäfts zielen. Wiswesser war bis Ende 2024 Mitglied des Vorstands der Allianz Versicherungs-AG und verantwortete dort den Maklervertrieb Sach. Pflichtschutz gegen Hochwasser? Koalition verhandelt über Elementarversicherung Angesichts steigender Unwetterschäden fordern GDV, NABU und ZEV eine Pflichtversicherung gegen Elementarschäden. Ein Arbeitspapier aus den Berliner Koalitionsverhandlungen bestätigt: CDU/CSU und SPD planen offenbar eine verpflichtende Elementardeckung im Neugeschäft. Laut einer DEVK-Umfrage halten 44 % der Hauseigentümer diesen Schritt für sinnvoll. Auch staatliche Rückversicherungen und strengere Bauvorgaben sind im Gespräch. die Stuttgarter: Dr. Guido Bader bleibt weitere fünf Jahre Vorstandschef Die Aufsichtsräte der Stuttgarter Versicherungsgruppe haben einstimmig beschlossen, den Vertrag von Dr. Guido Bader um weitere fünf Jahre zu verlängern. Damit bleibt er auch über den 1. Januar 2026 hinaus an der Spitze der Unternehmen der Gruppe. Zum 1. Mai 2025 wird Jesko Kannenberg in die Vorstände der Unternehmen der Gruppe rücken. Er wird als Vorstand für Vertrieb, Marketing und betriebliche Altersversorgung die Nachfolge von Ralf Berndt antreten, der nach 23 Jahren im Vorstand der Stuttgarter Ende August 2025 planmäßig in den Ruhestand geht. DiGA unter Druck: Nutzen unklar, Kosten steigen Vier Jahre nach Einführung zeigen sich weiter Schwächen bei den „Apps auf Rezept“: Nur 18 % der DiGA konnten ihren Nutzen sofort belegen – 80 % starten ohne Wirksamkeitsnachweis in die Versorgung. Die Ausgaben stiegen 2023/24 um 71 % auf 234 Mio. Euro. Höchster Einzelpreis: über 2.000 Euro. Der GKV-Spitzenverband fordert klare Regeln, strengere Prüfverfahren und faire Preise ab Tag eins. Easy Insurance GmbH führt KI-gestützte Schadenbearbeitung ein Die Easy Insurance GmbH setzt bei der Schadenbearbeitung ab sofort auf Künstliche Intelligenz. Gemeinsam mit der Insurtech Services GmbH entwickelte der digitale Assekuradeur eine Lösung, die Elektronikschäden – etwa an Smartphones oder Tablets – in rund 80 % der Fälle vollautomatisch freigibt. Die Freigabe erfolgt oft in unter 30 Sekunden. Bis Mitte 2025 soll die KI auch Schäden an Haushaltsgeräten abwickeln. Outsourcing im Finanzsektor: Cloud wächst, Kostenkontrolle schwächelt Die neue PwC-Studie zum Outsourcing im Finanzdienstleistungssektor zeigt: 57 % der Institute erreichen ihre Kostenziele nur teilweise. Cloud-Lösungen gewinnen an Bedeutung, doch 65 % arbeiten weiterhin mit On-Premise-Systemen. Nachhaltigkeit wird zunehmend zum Auswahlkriterium für Dienstleister. PwC mahnt: Ohne bessere Kostentransparenz und strategische Anpassung bleibt viel Potenzial ungenutzt.

Die Themen im heutigen Versicherungsfunk Update sind: Allianz bleibt Spitzenreiter Laut einer neuen Studie von Splendid Research bleibt die Allianz die bekannteste Versicherungsmarke Deutschlands. Überraschung im Image-Ranking: Die R+V verbessert sich um 5 Punkte und holt den Spitzenplatz bei Vertrauenswürdigkeit & Nachhaltigkeit. GDV fordert Einsatz privaten Kapitals zur Modernisierung der Infrastruktur Das neue Sondervermögen des Bundes ist laut Gesamtverband der Deutschen Versicherungswirtschaft (GDV) ein wichtiger Schritt – jetzt müsse die Politik auch für mehr Öffentlich-Private Partnerschaften sorgen. Versicherer sehen Potenzial: Schon heute stecken 100 Mrd. Euro in Infrastrukturprojekten. BVK: Lob für Riester-Reform und Elementarpflicht, Kritik am Kostendeckel Der BVK sieht in den Ergebnissen der Koalitionsarbeitsgruppen Licht und Schatten: Gelobt werden Pläne zur Riester-Reform ohne Garantiezwang und mit weniger Bürokratie – kritisiert wird jedoch ein möglicher gesetzlicher Kostendeckel. Auch die Einführung einer Elementarschadenpflichtversicherung begrüßt der Verband – fordert aber Beratungspflicht bei möglichem Opt-out. Für die Rückversicherbarkeit sei eine staatliche Absicherung sinnvoll. Generationswechsel bei Union Investment Hans Joachim (Aki) Reinke übergibt nach 35 Jahren – davon 22 Jahre im Vorstand – zum 1. April 2026 den Vorsitz an André Haagmann. Reinke prägte die strategische Entwicklung des Asset Managers maßgeblich. Haagmann, seit 2022 im Vorstand, übernimmt künftig die Gesamtverantwortung für die Gruppe. Vanguard bringt neuen Renten-ETF auf den Markt Vanguard hat den „Vanguard Global Government Bond UCITS ETF“ aufgelegt. Der neue Fonds ergänzt das bestehende ETF-Angebot für festverzinsliche Anlagen und soll als weitere Kernkomponente in Anlegerportfolios dienen. Gelistet ist er unter anderem an der Deutschen Börse, der London Stock Exchange und der SIX Swiss Exchange. Sompo erhält Erstversicherungslizenz in Belgien und den Niederlanden Sompo hat die Genehmigung erhalten, in Belgien und den Niederlanden lokale Erstversicherungsverträge abzuschließen. Damit baut der Industrieversicherer seine Präsenz in Kontinentaleuropa weiter aus. Bereits heute ist Sompo in Deutschland, Frankreich, Italien, Spanien und der Schweiz aktiv. Ziel sei es, mit lokalen Teams und globaler Expertise flexible Lösungen für komplexe Risiken zu bieten.

Die Themen im heutigen Versicherungsfunk Update sind: Frauen fürchten Altersarmut stärker und setzen bei Geldanlagen auf Sicherheit Laut einer aktuellen Studie von BarmeniaGothaer und forsa sorgen sich 56 % der anlegenden Frauen, dass ihre Geldanlagen im Alter nicht ausreichen – bei Männern sind es nur 39 %. Frauen priorisieren Sicherheit bei der Geldanlage stärker als Männer (53 % vs. 45 %), investieren aber zunehmend in Fonds. Während der Anteil der Frauen mit Fondsanlagen um 8 Prozentpunkte auf 36 % stieg, sank er bei Männern auf 34 %. Zudem äußern Frauen größere Sorgen über steigende Lebenshaltungskosten, geopolitische Risiken und den Klimawandel. Marderbisse nehmen im Frühjahr zu Zwischen April und Juni steigt die Zahl der Marderbisse in Fahrzeugkabeln laut GDV deutlich an. Besonders betroffen sind Hochvoltkabel von Elektroautos, da bei Schäden oft der gesamte Kabelsatz ersetzt werden muss. Um Fahrzeuge zu schützen, empfiehlt der GDV regelmäßige Motorraumkontrollen, engmaschige Drahtgitter und elektrische Abschrecksysteme. Marderschäden sind durch Teil- oder Vollkaskoversicherungen abgedeckt – je nach Tarif auch mit Ersatz für Folgeschäden. Autofahrer ohne Kaskoversicherung müssen die Kosten selbst tragen. R+V Versicherung zahlt über 19 Millionen Euro Cashback an Kunden aus Die R+V Versicherung erstattet ihren Kunden im Rahmen des Mitglieder-Plus-Programms über 19 Millionen Euro für das Jahr 2024 – ein Anstieg von 25 % gegenüber dem Vorjahr. Knapp 600.000 Kunden von Volksbanken und Raiffeisenbanken profitieren von einer Beitragsrückerstattung von bis zu 10 %, sofern ihre Bankgemeinschaft einen günstigen Schadenverlauf hatte. Insgesamt nehmen mittlerweile über 740.000 Kunden an dem Cashback-Programm teil. Auch die R+V Betriebskrankenkasse bietet eine Rückerstattung für Mitglieder an, die ein Jahr lang keinen Krankenhausaufenthalt hatten. DIN-Norm 77235 für Gewerbekunden-Analyse jetzt einsatzbereit Die DIN-Norm 77235 zur Finanz- und Risikoanalyse für Selbstständige sowie kleine und mittlere Unternehmen ist nun vollständig nutzbar. Neben Brokerport und Finoso bietet mit Thinksurance ein dritter Anbieter ein zertifiziertes Software-Tool an. Ziel der Norm ist eine einheitliche und strukturierte Bedarfsermittlung über 52 Risiko- und Vorsorgethemen, um Maklern und Beratern mehr Orientierung im Gewerbegeschäft zu geben. Bereits über 100 Berater und Gewerbemakler haben sich auf die Norm zertifizieren lassen. Interlloyd erweitert Wohngebäudeversicherung Die Interlloyd Versicherungs-AG hat ihre Wohngebäudeversicherung überarbeitet und um neue Tarife erweitert. Kunden können zwischen den Varianten Classic, Protect Plus, Eurosecure Plus und Infinitus wählen. Nachhaltige Modernisierungen werden finanziell unterstützt, und umfassende Absicherungen für Photovoltaikanlagen, Wärmepumpen und Wallboxen sind enthalten. Fonds Finanz erweitert Portfolio um Tierversicherungen der Uelzener Die Produkte der Uelzener Versicherungen sind ab sofort über Fonds Finanz vermittelbar. Damit erhalten die angebundenen Vermittler Zugang zu einem erweiterten Angebot an Tierversicherungen sowie weiteren Sachversicherungen. Die Tarife sind über den Gesellschaftsrechner der Uelzener in der Fonds Finanz Beraterwelt sowie zeitnah in den Vergleichsrechnern von softfair verfügbar.

Die Themen im heutigen Versicherungsfunk Update sind: Insolvenzverfahren der Element eröffnet Das Amtsgericht Charlottenburg hat am 1. März 2025 das Insolvenzverfahren über das Vermögen der Element Insurance AG eröffnet. Zum Insolvenzverwalter wurde Rechtsanwalt Friedemann Schade bestellt. Die meisten der 320.000 Versicherungsverträge enden automatisch zum 1. April 2025. Versicherte sollten sich umgehend um eine neue Absicherung kümmern. Schadensmeldungen werden weiterhin geprüft, die Auszahlungshöhe und der Zeitpunkt sind jedoch ungewiss. Gläubiger können ihre Forderungen über das Portal www.element-insolvenz.de anmelden. Neues Entlastungsbudget in der Pflege: Was sich ab Juli 2025 ändert Ab dem 1. Juli 2025 soll das neue Entlastungsbudget die Organisation von Ersatzpflege für Pflegebedürftige deutlich erleichtern. So sollen pflegende Angehörige die Verhinderungs- und Kurzzeitpflege flexibler finanzieren können. Doch trotz der Erleichterungen gibt es auch Kritik an den Einschränkungen und Lücken im neuen System. Mehr dazu unter www.versicherungsbote.de/id/4938118/Neues-Entlastungsbudget-in-der-Pflege-Was-sich-ab-Juli-2025-aendert/ Führungswechsel bei Hiscox Deutschland Hiscox Deutschland stellt sich neu auf: Geschäftsführer Markus Niederreiner verlässt das Unternehmen zum 3. März 2025 auf eigenen Wunsch und in gegenseitigem Einvernehmen. Die Nachfolge wird derzeit gesucht. Übergangsweise übernehmen Tobias Wenhart und Markus Klopfer die Geschäftsführung. GDV warnt vor Finanzrisiken durch Wachstumsschwäche Der Gesamtverband der Deutschen Versicherungswirtschaft (GDV) sieht in der anhaltenden Wachstumsschwäche in Deutschland und im Euroraum ein zentrales Risiko für die Finanzstabilität. Hauptgeschäftsführer Jörg Asmussen betont die Notwendigkeit konsequenter Reformen zur Stärkung der Wettbewerbsfähigkeit. Die aktuelle GDV-Publikation „Financial Stability Perspectives“ nennt zudem abrupte Preiskorrekturen an Finanzmärkten, Cyberangriffe und den Klimawandel als weitere systemische Risiken. RapidResponse verstärkt Cyber-Security-Beratung Die RapidResponse GmbH richtet ihren Fokus künftig verstärkt auf die Cyber-Security-Beratung für mittelständische Unternehmen. Tobias Fröhlich übernimmt die Leitung des Geschäftsbereichs IT-Security & Incident Response. Angesichts wachsender Bedrohungen und regulatorischer Anforderungen (NIS-2, DSGVO, DORA) steigt der Bedarf an präventiven Maßnahmen. Die bisherigen Führungskräfte Uwe Grams und Vincent Rockenfeld verlassen das Unternehmen und machen sich im Bereich Cyber-Notfallreaktion selbstständig. WGV Versicherung ernennt neuen Geschäftsführer Die WGV Rechtsschutz-Schadenservice GmbH hat Jens Husung zum 1. März 2025 zum neuen Geschäftsführer ernannt. Er folgt auf Jochen Hägele, der bei der WGV Versicherung eine neue Rolle übernommen hat.

Die Themen im heutigen Versicherungsfunk Update sind: FDP fordert Aktienrente und flexiblen Renteneintritt Die Bundesregierung soll nach dem Willen der FDP-Fraktion einen Gesetzentwurf für die Einführung einer kapitalgedeckten, gesetzlichen Aktienrente vorlegen und einen flexiblen Renteneintritt ermöglichen. Dadurch könne das Rentenniveau künftig wieder steigen und die jüngere Generation entlastet werden, argumentieren die Abgeordneten in einem Antrag (DS 20/14716). Der Antrag wurde zur weiteren Beratung in den Ausschuss 'Arbeit und Soziales' überwiesen. Nettowelt beruft neuen Vertriebsdirektor Nettowelt hat Gregor Busch als neuen Vertriebsdirektor berufen. Mit langjähriger Erfahrung im Vertrieb und fundiertem Wissen in der Finanzdienstleistungsbranche soll Busch die Weiterentwicklung des Unternehmens vorantreiben. Er war zuvor maßgeblich an der Etablierung der Nettopolice beteiligt und leitete ein Team von bis zu 20 Vertrieblern. Allianz X investiert in US-Insurtech Openly Allianz X und Eden Global Partners führen eine Wachstumsfinanzierung in Höhe von 193 Millionen USD für das US-Insurtech Openly an. Allianz X stellt 70 Millionen USD als vorrangiges Darlehen bereit. Die Investition ist Teil einer strategischen Partnerschaft mit Allianz Re, die seit 2023 Rückversicherungskapazitäten für Openly bereitstellt. Seit der Eröffnung des New Yorker Büros im November 2023 ist dies die zweite große Investition von Allianz X in den USA. Das Nordamerika-Portfolio umfasst bereits Unternehmen wie Coalition, NEXT Insurance und AlTi Tiedemann Global. Zahl der E-Scooter gestiegen Die Zahl der E-Scooter auf Deutschlands Straßen ist 2023 laut GDV um 30 Prozent auf 990.000 gestiegen. Besonders der private Bestand legte mit einem Zuwachs von 37 Prozent stark zu, während Leih-Scooter um 9 Prozent wuchsen. Leih-Scooter verursachen jedoch weiterhin mehr Unfälle: 40 Prozent aller E-Scooter-Schäden entfallen auf sie, obwohl sie nur 20 Prozent des Gesamtbestands ausmachen. Insgesamt registrierten die Versicherer rund 5.000 Schäden mit einem Gesamtschaden von 25,5 Millionen Euro. Die Versicherer fordern bessere Radwege und ein Verbot für E-Scooter auf Gehwegen, um Fußgänger besser zu schützen. Vier Industrieversicherungsmakler schließen sich zur GGW GmbH zusammen Die vier Industrieversicherungsmakler BDJ, Gayen & Berns Homann (GBH), Gossler, Gobert & Wolters (GGW) sowie von Rauchhaupt & Senftleben (vR&S) firmieren ab sofort unter der gemeinsamen Marke GGW GmbH. Die Geschäftsführung übernehmen Carsten Büttner, Claas Hußmann, Malte Mengers, Justus Mengers, Constantin von Rauchhaupt, Johannes von Rauchhaupt, Philipp Ritterhoff und Emanuel Wessel. Mit der Markeneinführung wurde auch die neue Website www.ggw.de freigeschaltet. HBC-Gruppe stärkt Privatkundengeschäft mit Hamburger Yacht-Versicherung Schomacker Die HBC-Gruppe erweitert ihr Portfolio um die Hamburger Yachtversicherung Schomacker, einem Anbieter von Deckungskonzepten im Wassersportsegment. Die Yachtversicherung wird künftig als Kompetenzzentrum innerhalb der HBC-Gruppe etabliert und soll das bestehende Geschäft rund um die Absicherung von Yachten und Booten ausbauen sowie neue Märkte erschließen.

In this month's Deals Deals Deals podcast, we welcome Grant Hutchby who with his wife Kay make up KG Short Stay, based in South Wales.    Grant shares how he managed to leave his corporate career in 2019 to focus full time on their business and how they have both successfully joined the Property Entrepreneur Board to help them level up their business.    They manage over 140 properties for their clients and their own portfolio in South Wales and in selected cities in England. We discuss their ideal type of property, the service users they specialise in and all the key metrics within the business like average length of stay and all the typical costs as well as how Grant analyses deals. We also discussed the VAT situation and potential issues to avoid.    Grant and Kay also Joint Venture with clients where they add their knowledge and expertise and the client adds the cash funds to purchase the property, refurb and other costs etc and they split the profits on a 50/50 basis.    Grant takes us through a recent example of a 6 bed pub with a 3 bed cottage where they added 6 studios and created £150k of equity, with over £70k pa of cashflow whilst using none of their own funds.    The key numbers are :   Purchase price £370,000 Refurb £160,000 Other costs £20,000 Total £550,000 GDV £700,000 Equity £150,000   Revenue £190,000 Operating costs £99,000 Flat rate VAT £19,950 Profit before tax £71,050 shared with JV partner    This equates to about the current average earnings based on Office of National Statistics , £36.660 on one deal.   Want to contact Mark or his guests?   www.thepropertybrokerage.co.uk mark@thepropertybrokerage.co.uk   Grant Hutchy WhatsApp: +447866365040 Discovery Call: https://calendly.com/granthutchby/discoverycall Email: grant@kginspiredproperty.com       Want to learn more?   Want to know the ONLY 5 PROBLEMS you need to overcome to become a High Net Worth Property Entrepreneur making 6 and 7 figure annual profits? Click here now to download our FREE PDF report   Daniel Hill's brand new, first-ever published book Karma Credits: The Universal Law of Wealth, Health and Happiness can be purchased on Amazon. Click here now to purchase a copy.   If you've not already joined the 12.2k Property Entrepreneurs for FREE in the Property Entrepreneur Facebook Group, click here to join now:  The Property Entrepreneurs Community   If you're listening to this podcast but have not yet subscribed, click the subscribe button to listen to what Daniel and other industry leading guests have to say on a weekly basis on all things business, investment property and lifestyle: The Official Property Entrepreneur Podcast    Keep up to date with Daniel's unique and proven Blueprints by subscribing to The Blueprint YouTube Channel now   Follow Daniel on Social:   Instagram: @propertyentrepreneur_  Facebook:  @PropertyEntrepreneurOfficial LinkedIn: @propertyentrepreneur  

Die Themen im heutigen Versicherungsfunk Update sind: Pflege-Bürgerversicherung: Alte Idee ignoriert Kernproblem des Umlageverfahrens Der Vorschlag für eine Pflege-Bürgerversicherung ist nicht nur ein alter Hut, sondern angesichts des demografischen Wandels geradezu absurd, erklärt Florian Reuther, Direktor des Verbandes der Privaten Krankenversicherung (PKV). „Die Verfechter einer sogenannten Pflege-Bürgerversicherung versprechen vermeintliche Wohltaten einer Pflegevollkasko und ignorieren die explodierenden Kosten der demografischen Alterung“, kritisiert Reuther den Vorschlag des Bremer Gesundheitsökonomen Heinz Rothgang. Allianz Partners stärkt Führungsteam Allianz Partners gibt drei Veränderungen im Führungsteam bekannt: Laurent Floquet übernimmt die Rolle des Chief Operating Officer, Beatriz Corti wird Chief Officer für Mobility & Assistance und Clara Silvestri tritt zum 1. März 2025 als Chief Transformation Officer ein. Die Neubesetzungen sollen die operativen Strukturen optimieren und digitale Initiativen vorantreiben. GDV fordert bessere Investitionsbedingungen und weniger Berichtspflichten Der Gesamtverband der Deutschen Versicherungswirtschaft (GDV) sieht den Wettbewerbskompass der EU-Kommission als wichtigen Schritt zur Stärkung der Wettbewerbsfähigkeit. GDV-Hauptgeschäftsführer Jörg Asmussen fordert verbesserte Investitionsbedingungen, stärkere Gläubigerrechte und eine Reduzierung der Berichtspflichten. Zudem kritisiert der Verband die zunehmende Komplexität der Nachhaltigkeitsberichterstattung. Erste Details zur Savings- und Investmentunion sollen noch in diesem Jahr vorgestellt werden. Kultbude-Gruppe übernimmt HDI-Servicegesellschaft next in Rostock Die Kultbude-Gruppe wird das Servicecenter der HDI Versicherung AG, die HDI Next GmbH, eigenverantwortlich weiterführen. Die neuen Eigentümer, Kultventure GmbH und Kultbude Holding GmbH, übernehmen rund 150 Mitarbeitende am Standort Rostock unter bestehenden Vertragskonditionen. Die HDI Versicherung AG bleibt enger Partner und wird weiterhin Serviceleistungen aus Rostock in Anspruch nehmen. FM schließt Partnerschaft mit PGA-TOUR-Star Rory McIlroy Der Industriesachversicherer FM hat eine mehrjährige Partnerschaft mit dem PGA-TOUR-Star Rory McIlroy bekannt gegeben. Die Zusammenarbeit, die im Februar beginnt, ergänzt die bestehenden Engagements von FM mit der LPGA Tour und Boston Common Golf in der TGL. McIlroy wird als globaler Markenbotschafter für FM auftreten, bei ausgewählten Turnieren das FM-Logo auf seiner Golftasche tragen und an verschiedenen Initiativen des Unternehmens teilnehmen. Okoora bietet Dienstleistungen im Bereich Embedded Finance erstmals auch in Deutschland an Okoora, ein führender Anbieter von integrierten Lösungen im Bereich Embedded Finance und Risk Management, gab heute seinen Eintritt in den deutschen Markt bekannt. Die KI-basierte Finanzplattform von Okoora, die von zehntausenden Unternehmen weltweit genutzt wird, erleichtert die Eröffnung von Fremdwährungskonten in über 60 Ländern, unterstützt Transaktionen in 100 Währungen und ermöglicht Zahlungen und Zahlungseingänge in 180 Ländern.

Die Themen im heutigen Versicherungsfunk Update sind: Allianz ist wertvollste Versicherungsmarke Im diesjährigen "Brand Finance Global 500 Ranking", der Auflistung der stärksten Marken weltweit kletterte die Allianz um drei Plätze im Vergleich zum Vorjahr. Der Versicherer klettert auf Platz 25 und liegt damit allerdings deutlich hinter den Top-Marken Apple, Microsoft, Google und Amazon. Im Kreise der Versicherer konnte der Münchener Konzern den ersten Platz behaupten. Welcher deutsche Versicherer noch im Ranking vertreten ist lesen Sie unter www.versicherungsbote.de. Ein Drittel der Deutschen muss Ruhestandspläne finanziell anpassen Eine aktuelle Studie der BarmeniaGothaer zeigt, dass viele Deutsche ihre Ruhestandswünsche wie Reisen aufgrund finanzieller Engpässe anpassen müssen. Besonders betroffen sind Frauen, Alleinlebende und Ostdeutsche. 39 % der Befragten wissen nicht, wie hoch ihr Einkommen im Alter sein wird. Während 58 % glauben, dass ihre Einkünfte ausreichen, sehen 38 % das anders. Einsparungen, längeres Arbeiten und private Altersvorsorge sind Strategien, um die Rentenlücke zu schließen – doch für 15 % bleibt diese ungelöst. Die Bayerische bietet kostenlose KI-Beratung für KMUs Die Bayerische hat einen Digital Hub gegründet, um kleinen und mittleren Unternehmen (KMUs) in der bAV und Gewerbeversicherung kostenlose Unterstützung bei der Entwicklung ihrer KI-Strategie zu bieten. In 90-minütigen Expertensitzungen analysieren KI-Spezialisten des Hubs aktuelle Herausforderungen und erarbeiten Lösungsansätze, um die Wettbewerbsfähigkeit der Unternehmen zu stärken. Ziel ist es, KMUs auf ihrer KI-Reise zu befähigen und sie für die Anforderungen des digitalen Wandels zu rüsten. GDV begrüßt EU-Omnibus-Paket Der GDV unterstützt das geplante Omnibus Simplification Package der Europäischen Kommission, das die Nachhaltigkeitsberichterstattung effizienter und weniger bürokratisch gestalten soll. GDV-Hauptgeschäftsführer Jörg Asmussen fordert eine Fokussierung auf qualitativ hochwertige Berichte und kritisiert die aktuellen Berichtspflichten, die auch kleine Versicherer wie internationale Konzerne behandeln. Der GDV schlägt vor, branchenspezifische Größenkriterien einzuführen, um Verhältnismäßigkeit und Wettbewerbsfähigkeit zu gewährleisten. BPCE und Generali planen größte Vermögensverwaltung Europas BPCE und Generali haben ein unverbindliches Memorandum of Understanding (MoU) unterzeichnet, um ihre Vermögensverwaltungsbereiche Natixis Investment Managers und Generali Investments Holding zu einem gemeinsamen Unternehmen zu verschmelzen. Mit einem verwalteten Vermögen von 1,9 Billionen Euro und 4,1 Milliarden Euro Umsatz würde die neue Einheit zur größten Vermögensverwaltung Europas und weltweit die Nummer 9. Beide Partner halten jeweils 50 % des Joint Ventures, das eine ausgewogene Governance-Struktur vorsieht. CEO wird Woody Bradford, Philippe Setbon übernimmt die Rolle des stellvertretenden CEO. WVVP ernennt neuen Vertriebsdirektor Makler Leben Tim Groothedde hat zum Januar 2025 die Position des Vertriebsdirektors Makler Leben bei der Württembergischen Vertriebspartner GmbH (WVVP) übernommen. Er folgt auf Frank Finkbeiner und wird den Maklervertrieb im Bereich Leben strategisch und operativ weiterentwickeln. Groothedde bringt über 20 Jahre Erfahrung in leitenden Vertriebspositionen mit, zuletzt als Vertriebsdirektor Pools und Finanzvertriebe Leben bei der ERGO Group AG.

Die Themen im heutigen Versicherungsfunk Update sind: Mehrheit wünscht sich Beratung zur Altersvorsorge in unter zwei Stunden Eine repräsentative Umfrage der LV 1871 zeigt, dass 66,9 % der Deutschen bei der Beratung zur privaten Altersvorsorge weniger als zwei Stunden investieren möchten. Angesichts der langen Rentenbezugszeiten – im Schnitt 18,8 Jahre für Frauen und 20,5 Jahre für Männer – sei laut Unternehmen die Nutzung digitaler Tools im Maklergeschäft besonders wichtig, um effiziente und kundenorientierte Beratung zu gewährleisten. FondsKonzept AG erweitert Vorstand Die FondsKonzept AG hat zum Jahresbeginn ihren Vorstand erweitert und Reinhard Magg, Geschäftsführer der österreichischen Tochtergesellschaft FinanzAdmin Wertpapierdienstleistungen GmbH, in das Führungsgremium berufen. Magg, der seit 2016 bei FinanzAdmin tätig ist und seit 2018 zur Geschäftsführung gehört, wird künftig zur strategischen Konzernsteuerung beitragen. vers.diagnose verzeichnet 2024 Rekordzahlen und erweitert Angebot Die Plattform vers.diagnose erzielte 2024 mit über 285.000 biometrischen Risikoprüfungen ein Plus von fast 10 % gegenüber dem Vorjahr. Für 2025 plant vers.diagnose eine deutliche Ausweitung der automatisierten Risikoprüfung und die Optimierung manueller Prozesse, einschließlich eines neuen, verkürzten Fragensets für Risikolebensversicherungen. Zudem wird das Angebot um Risikoprüfungen für Krankenvollversicherungen erweitert. Volkswohl Bund verbessert BU-Versicherung Die Volkswohl Bund Lebensversicherung a.G. hat ihre Berufsunfähigkeitsversicherung "BU Modern" umfassend überarbeitet. Neue Tarifstufen ermöglichen passgenauen Schutz und günstigere Beiträge, basierend auf Ausbildung, Bürotätigkeit und Personalverantwortung. Gesundheitsfragen wurden vereinfacht, und Einkommensnachweise sind erst ab einer versicherten Monatsrente von 2.500 Euro notwendig. Versicherer fordern mehr Klarheit zur DORA-Umsetzung Ab dem 17. Januar 2025 tritt der Digital Operational Resilience Act (DORA) in Kraft, der Finanzunternehmen dazu verpflichtet, ihre IKT-Systeme besser gegen Cyberangriffe und Betriebsstörungen abzusichern. Die deutsche Versicherungswirtschaft sieht sich für die EU-Vorgaben gerüstet, fordert jedoch weitere Informationen, insbesondere zu Drittparteienrisiken und der Unterauftragsvergabe bei IT-Dienstleistern. Jörg Asmussen, Hauptgeschäftsführer des GDV, betont die Notwendigkeit klarer Vorgaben und mehr Transparenz bei der Kontrolle kritischer IKT-Dienstleister durch europäische Aufsichtsbehörden. Inter Versicherungsgruppe ernennt neuen Leiter Business Development Die Inter Versicherungsgruppe hat Florian Sperl zum 1. Januar 2025 als Leiter des Bereichs Business Development berufen. In seiner neuen Position soll Sperl Marktchancen identifizieren, Prozesse optimieren und strategische Partnerschaften ausbauen. Er berichtet direkt an Vorstandssprecher Roberto Svenda. Sperl leitete zuletzt den Vertrieb und das Markenmanagement bei der Allianz-Tochter DLVAG.

Die Themen im heutigen Versicherungsfunk Update sind: Versicherte Schäden durch Naturgefahren 2024 leicht rückläufig 2024 verursachten Naturgefahren wie Sturm, Hagel und Überschwemmungen versicherte Schäden in Höhe von 5,5 Milliarden Euro, 100 Millionen Euro weniger als im Vorjahr, so der GDV. Während Schäden durch Sturm und Hagel mit 2 Milliarden Euro rückläufig waren, lagen Elementarschäden durch Starkregen und Überschwemmungen mit 2,5 Milliarden Euro weiterhin über dem langjährigen Durchschnitt. In der Kraftfahrtversicherung fielen die Schäden mit gut 1 Milliarde Euro leicht unterdurchschnittlich aus. Stuttgarter kalkuliert BU-Tarife neu Die Stuttgarter hat ihre Berufsunfähigkeitstarife neu kalkuliert und die Berufsgruppenzuordnung für 750 Berufe verbessert. Durch die Anpassungen sind Beitragssenkungen von bis zu 40 Prozent möglich. Zudem wurden die BU-Bedingungen überarbeitet, unter anderem durch einen erweiterten Verzicht auf Umorganisation und eine vereinfachte Leistungsanerkennung ab 50 Jahren. Zurich erweitert Grundfähigkeitsversicherung Die Zurich Gruppe Deutschland hat den Leistungsumfang ihrer Grundfähigkeitsversicherung erweitert. Neu abgesichert sind Fähigkeiten wie Fahrradfahren, Nutzung öffentlicher Verkehrsmittel, Smartphones und Bildschirmarbeit. Trotz der Leistungserweiterung sinken die Beiträge für alle Risikoklassen um bis zu 18 Prozent. Besonders geeignet ist die Versicherung für körperlich Tätige und Berufe mit hohem Risiko sowie für Kinder ab fünf Jahren mit einer späteren Wechseloption in eine Berufsunfähigkeitsversicherung ohne erneute Gesundheitsprüfung. Allianz Trade ernennt neuen COO für die DACH-Region Zum 1. Januar 2025 hat Roxana Tigaeru die Position der Chief Operating Officer (COO) bei Allianz Trade in der DACH-Region übernommen. Sie folgt auf Elisabeth Perié, die nach fünf Jahren in der Region den Chefposten des Global Competence Center in Rumänien angetreten hat. Tigaeru, zuvor Interim-COO in der Region Amerika und Chief Financial and Administration Officer in Mittel- und Osteuropa, bringt umfangreiche Erfahrung in IT- und Prozessoptimierung sowie im Finanzmanagement mit. Perseus Technologies: Markel steigt als Investor ein Das Cybersicherheitsunternehmen Perseus Technologies hat mit Markel Insurance SE einen weiteren starken Partner gewonnen. Der global agierende Spezialversicherer steigt als Investor bei Perseus ein, um die bereits bestehende Zusammenarbeit zu vertiefen. FM besetzt zentrale Führungspositionen neu Der Industriesachversicherer FM hat mehrere Schlüsselpositionen neu besetzt: Lyndon Broad wurde zum 1. Dezember 2024 zum Executive Vice President, Staff Insurance Operations, ernannt. Ab dem 1. Januar 2025 übernimmt Laurel Rudnick die Rolle des Senior Vice President, Chief Underwriting Officer, während Danielle Harrison als Senior Vice President, Division Manager, für die mittelstandsspezialisierte Tochtergesellschaft FM Affiliated tätig sein wird.

Die Themen im heutigen Versicherungsfunk Update sind: Mittelstand vernachlässigt laut GDV IT-Sicherheit Laut einer Forsa-Umfrage im Auftrag des GDV sehen zwei Drittel der mittelständischen Unternehmen in Deutschland nur ein geringes Risiko eines Cyberangriffs, obwohl IT-Sicherheitsmaßnahmen häufig vernachlässigt werden. GDV-Hauptgeschäftsführer Jörg Asmussen kritisiert, dass 69 % der Unternehmen Sicherheitslücken aufweisen und 54 % nicht auf einen Ernstfall vorbereitet sind. Nur ein Drittel der Betriebe nutzt Zwei-Faktor-Authentifizierung, und die IT-Sicherheit stagniert seit Jahren auf niedrigem Niveau. Nürnberger überarbeitet Leben-Tarife Die Nürnberger Versicherung hat ihre Leben-Tarife überarbeitet: Ab dem 9. Januar 2025 stehen Neuerungen im privaten und betrieblichen Produktportfolio zur Verfügung, die mehr Flexibilität und umfassenderen Schutz bieten sollen. Highlights umfassen vereinfachte Annahmeregeln in der Berufsunfähigkeitsversicherung (BU) für Kunden unter 40 Jahren, erweiterte Leistungen in der Grundfähigkeitsversicherung (GF) und neue Optionen in der betrieblichen Altersvorsorge (bAV). Itzehoer Versicherungen führen konzernweites Duzen ein Die Itzehoer Versicherungen haben ein konzernweites Duzen eingeführt. Die Regelung gilt ab sofort für alle über 860 Mitarbeitenden sowie 350 Vertrauenspersonen und Vermittelnde der Ausschließlichkeitsorganisation. Der Vorstand sieht in der neuen Ansprache ein Symbol für „Nähe, Vertrauen und Offenheit“ und verspricht sich davon eine erleichterte Kommunikation, den Abbau von Barrieren und eine wertschätzendere Zusammenarbeit. Zurich ernennt Bereichsvorstand Bank Partner Zum 1. Januar 2025 übernimmt Piero Calandra die neu geschaffene Position des Bereichsvorstands Bank Partner bei der Zurich Gruppe Deutschland. In dieser Funktion wird er die Weiterentwicklung bestehender Bankpartnerschaften sowie den Ausbau strategischer Kooperationen verantworten. Calandra, der seit 2021 bei Zurich tätig ist, bringt umfassende Erfahrung aus früheren Positionen bei der Deutschen Bank und Commerzbank mit. Er berichtet direkt an Ulrich Christmann, Vorstand Privat- und Gewerbekunden. Blau Direkt stärkt Integrationsmanagement mit neuem Solutions Manager für Ameise Blau Direkt setzt verstärkt auf Integrationen und ernennt Thomas Eickhof zum Solutions Manager für das Maklerverwaltungsprogramm AMEISE. In seiner neuen Rolle wird er die Entwicklung und Optimierung von Drittanbieter-Integrationen vorantreiben, um Maklern innovative und nahtlos vernetzte Lösungen anzubieten. Die cloudbasierte Systemwelt von blau direkt ermöglicht effiziente, digitalisierte Arbeitsabläufe und bietet Vermittlern flexiblere Möglichkeiten, um den Anforderungen eines dynamischen Marktes gerecht zu werden. ACE startet 2025 mit erweiterten Leistungen Der ACE Auto Club Europa e.V. erweitert ab Januar 2025 seine Tarife und passt die Leistungen an die aktuellen Bedürfnisse seiner Mitglieder an. Neu im Angebot sind unter anderem eine „Next-Level-Pannenhilfe“ für E-Auto-Fahrer, Beihilfen bei Elementarschäden und ein verbesserter Treue-Bonus für langjährige Mitglieder. Zusätzlich profitieren Mitglieder in den ACE-Tarifen von umfassenderen Mietwagen- und Übernachtungskostenübernahmen.

In this podcast we discuss the influential Top Tier Joint Industry Project which is being run by MARIN (Maritime Research Institute Netherlands) and focuses on container safety. We speak with Project Direct Jos Koning who shares the project's objectives and gives us an early insight into the findings and conclusions. Around 40 organisations are participating in the project and IUMI is represented through its German member, GDV.

Die Themen im heutigen Versicherungsfunk Update sind: Cogitanda-Gruppe meldet vorläufiges Insolvenzverfahren an Alle Unternehmen der Cogitanda-Gruppe stehen unter vorläufiger Insolvenzverwaltung. Der Betrieb läuft weiter, Gehälter sind vorerst bis Ende Januar 2025 gesichert, und bestehender Versicherungsschutz bleibt unverändert. Sanierungsoptionen und Investorenlösungen werden geprüft. Der vorläufige Insolvenzverwalter ist der Rechtsanwalt Philip Schober von der bundesweit tätigen Sozietät Brinkmann & Partner. Adamietz & Kollegen wird Teil der blau direkt-Gruppe Die Adamietz & Kollegen GmbH aus Arnsberg schließt sich rückwirkend zum 1. Januar 2024 der blau direkt-Gruppe an. Das Unternehmen wird als regionaler Ansprechpartner für Ruhestandsplanung von Maklern in Nordrhein-Westfalen tätig, während Gründer Benjamin Adamietz weiterhin als Geschäftsführer agiert. Alte Leipziger hält Überschussbeteiligung 2025 stabil Die Alte Leipziger Lebensversicherung belässt die Überschussbeteiligung 2025 auf dem Niveau des Vorjahres. Für moderne Rentenversicherungen der neuen Tarifgeneration wird die Gesamtverzinsung um fünf Basispunkte auf 2,60 % angehoben. Biometrieprodukte bleiben ebenfalls unverändert. Flexperto zieht sich bis 2026 aus dem Markt zurück Der Software-Anbieter Flexperto beendet laut procontra den Betrieb seiner Plattform bis April 2026. Bis dahin werden Support und Updates weitergeführt, während Kunden bei der Migration unterstützt werden. Der Rückzug erfolgt wegen starker Konkurrenz durch US-Tech-Giganten wie Microsoft. Insolvenzverfahren der FWU AG eröffnet Das Amtsgericht München hat das Insolvenzverfahren der FWU AG eröffnet und Ivo-Meinert Willrodt zum Insolvenzverwalter bestellt. Der Betrieb läuft unter Vollkosten weiter, während Gespräche mit potenziellen Investoren voranschreiten. Die Tochtergesellschaften in Österreich und Luxemburg bleiben operativ aktiv. Versicherer melden Millionenschäden durch Adventsbrände In der Adventszeit 2023 verursachten brennende Adventskränze und Tannenbäume rund 6.000 zusätzliche Feuerschäden mit Gesamtkosten von 27 Millionen Euro, so der GDV. Der Durchschnittsschaden erreichte einen Rekordwert von 4.600 Euro, vor allem durch teure Wohnungsbrände. Insgesamt leisteten Versicherer 2023 rund 2,1 Milliarden Euro für Feuerschäden.

Gastric dilation-volvulus (GDV) patients are often a real challenge to nurse. They're often severely unwell on presentation and there is a high risk of postoperative complications. But there are also lots of skills we get to use when caring for these patients! Giving them great care starts with understanding how GDVs occur and their impact on our patients, which is exactly what we'll be diving into in this episode of the Medical Nursing Podcast. ---

Die Themen im heutigen Versicherungsfunk Update sind: Plus 30 Prozent – Versicherungspreise steigen für E-Autos stärker als für Verbrenner Die Kfz-Versicherer erhöhen flächendeckend ihre Preise – besonders stark bei Elektro- und Hybridfahrzeugen. Die Vollkasko-Versicherung ist für diese Antriebsarten im Mittel 30 Prozent teurer als im Vorjahr. Bei Benzinern und Dieseln liegen die Preise um 25 Prozent höher. Das zeigt der Kfz-Versicherungsindex des Vergleichsportals Verivox. Allianz Partners: Neuer CFO benannt Allianz Partners, ein weltweit führender Anbieter von Versicherungs- und Assistance-Dienstleistungen, hat bekannt gegeben, dass Michael Buttstedt seit dem 1. September 2024 die Position des Chief Financial Officer übernommen hat. Er berichtet an Tomas Kunzmann, Chief Executive Officer von Allianz Partners. Hagel: Ein klassischer Fall für die Teilkasko-Versicherung? Hagelstürme treten im Herbst oft plötzlich und ohne Vorwarnung auf. Die harten Körner können Dellen im Lack hinterlassen oder Scheiben beschädigen. Laut Versicherungsstatistik des GDV betrugen Hagelschäden an Fahrzeugen im Jahr 2023 über 800 Millionen Euro. Der Hagel-Atlas der Verti Versicherung AG zeigt, welche Regionen in Deutschland besonders durch Hagel gefährdet sind – ganz vorne bei den Bundesländern liegen Bayern, Hessen und Baden-Württemberg. Zurich stellt interaktives Tool für Klimarisiken vor Zurich präsentiert mit dem „Climate Spotlight Core“ ein neues Tool zur Analyse von Klimarisiken für mittelständische Unternehmen, Gemeinden und öffentliche Einrichtungen. Es basiert auf aktuellen Klimadaten und modelliert vier Klimaszenarien bis 2100. Ziel ist es, Resilienz gegenüber Klimawandelfolgen zu stärken und strategische Entscheidungen zu unterstützen. Versicherungswechsel oft noch nach Stichtag möglich Auch im Dezember können die meisten Autofahrer noch die Kfz-Versicherung wechseln. Grund hierfür sind die Prämienerhöhungen der Versicherer. Wird der Beitrag für die Kfz-Haftpflicht, die Teilkasko oder die Vollkasko zum neuen Jahr erhöht, ohne dass der Leistungsumfang steigt, gilt nämlich ein Sonderkündigungsrecht. BVK gratuliert neuer EU-Finanzkommissarin Der Bundesverband Deutscher Versicherungskaufleute (BVK) gratuliert der neuen portugiesischen EU-Finanzkommissarin Maria Luís Albuquerque zu ihrer Bestätigung durch das EU-Parlament am 27.11.2024.

Die Themen im heutigen Versicherungsfunk Update sind: VEMA schüttet 12 Millionen Euro an Genossen aus Die VEMA verzeichnet weiteres Wachstum und zählt inzwischen über 4.700 mittelständische Maklerhäuser mit mehr als 32.000 Mitarbeitern zu ihrer Gemeinschaft. Für die 2.166 Genossenschaftsmitglieder, die zugleich Miteigentümer sind, werden im Dezember 12,2 Millionen Euro Umsatzbeteiligung ausgeschüttet – ein neuer Rekord. Zusätzlich erhalten sie eine konstante Verzinsung von 7,5 Prozent auf ihre Genossenschaftsanteile. Quirin Privatbank setzt in Kundenberatung auf Schweizer 3rd-eyes analytics Die Quirin Privatbank setzt in der Kundenberatung seit Juni 2024 auf eine Softwarelösung des Schweizer Wealth- und Insurtech-Unternehmens 3rd-eyes analytics. Mithilfe von 3rd-eyes können die finanziellen Ziele und Wünsche der Kundinnen und Kunden der Quirin Privatbank nicht nur kalkuliert, sondern vor allem visualisiert und optimiert werden. Marder vs. Auto: Mehr Bisse, höhere Schäden Marder haben im vergangenen Jahr Kabel, Schläuche und Achsmanschetten von rund 235.000 kaskoversicherten Autos zerbissen. Das geht aus einer aktuellen Auswertung des Gesamtverbandes der Deutschen Versicherungswirtschaft (GDV) hervor. Im Vergleich zu 2022 stieg die Zahl der Marderbisse um knapp zehn Prozent. Im gleichen Zeitraum wurde der einzelne Schadenfall rund zwölf Prozent teurer: „2023 haben die Versicherer für jeden Marderbiss durchschnittlich fast 550 Euro gezahlt. Ein wesentlicher Grund für diesen Anstieg waren die hohen Lohnkosten der Werkstätten, die zuletzt im Schnitt 188 Euro brutto pro Stunde betrugen“, so Anja Käfer-Rohrbach, stellvertretende Hauptgeschäftsführerin des GDV. Der Gesamtschaden der Marderbisse stieg um rund 23 Prozent auf die Rekordsumme von 128 Millionen Euro. Domcura kooperiert mit Nationale-Nederlanden Der Kieler Assekuradeur Domcura erweitert seinen Partnerkreis und arbeitet ab sofort mit Nationale-Nederlanden zusammen. Der niederländische Versicherer wird künftig Risikoträger für Domcuras Ein- und Mehrfamilienhausversicherungen. Nationale-Nederlanden betreut über sechs Millionen Kunden. Schaden durch Geldautomatensprengungen weiter hoch Der versicherte Schaden durch gesprengte Geldautomaten ist im vergangenen Jahr auf einem hohem Niveau geblieben. „Insgesamt haben die Versicherer 2023 für Schäden durch Geldautomatensprengungen 95 Millionen Euro aufgewendet“, sagte die stellvertretende Hauptgeschäftsführerin des Gesamtverbandes der Deutschen Versicherungswirtschaft (GDV), Anja Käfer-Rohrbach. Rund 20 Millionen Euro entfielen auf gestohlenes Bargeld. Zielke Research Consult wird Fördermitglied im Bundesverband AfW Seit November 2024 unterstützt Zielke Research Consult, spezialisiert auf ESG- und Finanzanalysen, die Arbeit des Bundesverbands AfW e.V. Als neues Fördermitglied will das Unternehmen seine Expertise in der nachhaltigen Transformation der Finanzwirtschaft einbringen und die Interessenvertretung unabhängiger Finanzdienstleister stärken.

Die Themen im heutigen Versicherungsfunk Update sind: GDV meldet Rekordschäden durch Teilediebstähle aus Autos Im Jahr 2023 wurden in Deutschland 63.000 Teilediebstähle aus Autos gemeldet, oft mit hohen Folgeschäden: Die Versicherer zahlten durchschnittlich fast 2.000 Euro pro Fall, was die Gesamtkosten auf 124 Millionen Euro erhöhte. Der Schaden durch den Diebstahl kompletter Fahrzeuge belief sich zusätzlich auf über 310 Millionen Euro. Sparzinsen fallen weiter Der durchschnittliche Tagesgeldzins lag Anfang November 2024 bei nur noch 1,93 Prozent. Sinkende Zinsen dominieren den Markt – lediglich die Top-5-Angebote bieten im Schnitt 3,70 Prozent. Auch Festgeldzinsen wurden um bis zu 0,19 Prozentpunkte gesenkt und liegen deutlich unter den Vorjahreswerten. Neue Altersvorsorge-Reform sorgt für Kritik Der neue Reformvorschlag zur privaten Altersvorsorge setzt auf renditeorientierte Produkte ohne Garantiepflicht. Die Reform soll ab 2026 in Kraft treten und bessere Renditechancen für Sparer bieten. Kritiker bemängeln jedoch, dass die Fördersystematik Familien mit geringem Einkommen schlechterstellt. Ascore und Mein Geld küren "Tarif des Jahres" ASCORE und Mein Geld zeichnen die besten Versicherungsprodukte in den Bereichen Leben, Kranken und Komposit aus. Preisträger 2024 sind Münchener Verein für die BU-Versicherung, Die Bayerische für Zahn Prestige und InterRisk für Unfall XXL. Die Awards würdigen Produkte, die sich vor allem durch Flexibilität und Kundennähe auszeichnen. Viele Deutsche sind für Nachhaltigkeit zu Renditeverzicht bereit Laut Stuttgarter Lebensversicherung erwarten fast 50 Prozent der Deutschen, dass bei der Beratung zur Altersvorsorge Nachhaltigkeitskriterien berücksichtigt werden. 36 Prozent sind sogar bereit, eine geringere Rendite für ökologische und soziale Investitionen zu akzeptieren. 75 Prozent wünschen Transparenz zur Nachhaltigkeit – jedoch ohne zusätzliche Kosten für die Versicherungsprodukte. Future-Work-Experte Johannes Oberhofer leitet KI-Projekt bei der Bayerischen Johannes Oberhofer verstärkt die Bayerische als Leiter für das KI-Projekt der Versicherungsgruppe. Der Future-Work-Experte bringt umfassende Erfahrung in digitaler Transformation und Kulturwandel mit. Oberhofer wird gemeinsam mit Armin Hangl die KI-Strategie der Gruppe vorantreiben.

Die Themen im heutigen Versicherungsfunk Update sind: Depression als Berufsunfähigkeitsrisiko häufig unterschätzt Eine YouGov-Umfrage zeigt: Nur 29 Prozent der Erwerbstätigen in Deutschland sind gegen Berufsunfähigkeit abgesichert. Psychische Erkrankungen wie Depression sind Hauptursachen für Berufsunfähigkeit, doch nur 9 Prozent sehen diese als Risiko. Swiss Life mahnt zu mehr Aufklärung und Bewusstsein für die Bedeutung der Berufsunfähigkeitsversicherung. GDV warnt vor Risiken in nachgelagerten Rechtsakten Der Gesamtverband der Deutschen Versicherungswirtschaft begrüßt die finale Verabschiedung des Aufsichtsregelwerks Solvency II. Gleichzeitig äußert der Verband Bedenken hinsichtlich der technischen Ausgestaltung in den nachgelagerten Rechtsakten. „Die noch festzulegenden Details dürfen die erzielten Fortschritte der Richtlinie nicht gefährden“, betont Jörg Asmussen, Hauptgeschäftsführer des GDV. Ein zentrales Anliegen der Versicherer ist die Beibehaltung der bestehenden Bewertungsmethode für langfristige Verbindlichkeiten. Insbesondere für Lebensversicherer, ist eine stabile Berechnungsgrundlage essenziell. IGVM wählt neuen Vorstand: Nadine Romming und Stefan Stoiber neu dabei Die IGVM hat auf ihrer Mitgliederversammlung in Fulda zwei neue Vorstandsmitglieder gewählt: Nadine Romming ist neue Schriftführerin, Stefan Stoiber übernimmt das Amt des Schatzmeisters. Die bisherigen Mitglieder Banditt und Melchert schieden nach langjährigem Engagement auf eigenen Wunsch aus. Hiscox überarbeitet Berufshaftpflicht für Berater Hiscox bietet Beratern nun eine erweiterte Berufshaftpflicht mit optionalem Arbeitsausfallschutz. Dabei sind KI-Risiken und Beratung explizit versichert, Entschädigungsgrenzen und Flexibilität wurden erhöht. Start-ups profitieren von Prämiennachlässen und umfassender Abdeckung für individuelle Bedürfnisse. Allianz Direct identifiziert Deutschlands häufigste Unfallursachen Die Allianz Direct Unfallstudie 2023 zeigt: Die häufigste Unfallursache ist ein Fahrfehler beim Abbiegen. Die zweithäufigste Ursache ist die Missachtung der Vorfahrt, häufigste Unfallart die Fahrzeugkollision. Ziel der Studie ist, durch Aufklärung vermeidbare Unfälle zu reduzieren. Europa bietet Fahranfängern mit Führerschein ab 17 günstigere Kfz-Versicherung Fahranfänger mit Führerschein ab 17 erhalten bei Europa günstigere Versicherungsprämien. Überarbeitete Kfz-Tarife bieten in der Kasko-Versicherung nun keine Leistungsgrenzen mehr. So können Vermittler jungen Fahrer helfen, Geld zu sparen.

Die Themen im heutigen Versicherungsfunk Update sind: Kfz-Versicherer zahlen 1,7 Milliarden Euro für Glasbruchschäden Die Kfz-Versicherer haben im vergangenen Jahr rund zwei Millionen Glasbruchschäden an kaskoversicherten Pkw reguliert und dafür die Rekordsumme von 1,7 Milliarden Euro gezahlt. „Der Austausch oder die Reparatur der Verglasung wird immer teurer: 2023 kostete ein Schaden im Durchschnitt 838 Euro, fast zehn Prozent mehr als im Vorjahr“, sagt Anja Käfer-Rohrbach, stellvertretende Hauptgeschäftsführerin des GDV. Nettowelt launcht Vermittlerportal für Netto- Lebensversicherungen Die Nettowelt GmbH hat die Einführung ihres neuen Vermittlerportals bekanntgegeben. Das Portal bietet eine integrierte CRM-Funktion, die den Import von Kundenlisten ermöglicht, sowie einen modernen Vergleichsrechner mit interaktiven Grafiken. Zudem wird auch eine voll-digitale Antragsstrecke, die die digitale Erstellung und Unterzeichnung aller Versicherungs- und Honorarverträge umfasst, angeboten. HDI Global: Dr. Renate Strasser übernimmt Dr. Renate Strasser wird mit Wirkung zum 1. April 2025 neues Vorstandsmitglied der HDI Global SE. Sie tritt die Nachfolge von Ralph Beutter an, Vorstand Specialty-Versicherungen, der zum 31. Mai 2025 in den Ruhestand wechselt, dem Unternehmen aber beratend und in Gremienfunktionen erhalten bleibt. Baobab erweitert Cyberversicherungsangebot und kooperiert mit Lloyd's Syndikaten Baobab Insurance hat sein Cyberversicherungsprodukt CyberSafe weiterentwickelt: Ab sofort bietet das InsurTech ein Mid-Market-Angebot für Unternehmen mit einem Umsatz von bis zu 500 Millionen Euro. Um dieses neue Produkt umzusetzen, wurde Baobab Insurance zum offiziellen Lloyd's Coverholder ernannt. Damit ist der digitale Assekuradeur berechtigt, Versicherungsverträge im Namen eines Lloyd's Syndikates abzuschließen. Zudem ermöglichen diese neue Partnerschaft und die Zusammenarbeit mit der ERGO Versicherung dem Assekuradeur Deckungssumme von bis zu 15 Millionen Euro anzubieten. Frida präsentiert Fida-Whitepaper Frida e.V. stellt ein Whitepaper zum Aufbau eines Financial Data Sharing Schemes vor. Dieses befasst sich mit dem zukünftigen Modell des Datenaustauschs in der Versicherungsbranche im Rahmen des "Framework for Financial Data Access" (FIDA), einer EU-Initiative zur Förderung von Open Finance und Open Insurance. Slobodan Pantelic, Co-Initiator und Vorstand der FRIDA Initiative, sagt: „Wir möchten mit diesem Whitepaper eine Diskussionsgrundlage für den Markt schaffen und es soll als eine Art Blaupause angesehen werden.“ Summitas und BVUK vereinen sich Die Summitas Gruppe aus München und die in Würzburg ansässige BVUK haben sich auf einen Zusammenschlusses geeinigt. Dadurch wird Michael Reizel Teil des Gesellschafterkreises der Summitas Gruppe. Als Mitglied im Beirat der Summitas Gruppe und als Aufsichtsrat der BVUK Gruppe wird er die zukünftige Entwicklung der gesamten Gruppe konsequent vorantreiben. Der Zusammenschluss der beiden Unternehmen steht unter dem Vorbehalt der Genehmigung durch die zuständigen Kartellbehörden. Der Abschluss wird für Ende 2024 erwartet.

Die Themen im heutigen Versicherungsfunk Update sind: Inter-Vertriebsvorstand geht Zum 31. Dezember 2024 endet bei der Inter Versicherungsgruppe eine Ära: Aufgrund seiner gesundheitlichen Situation ist Vertriebsvorstand Michael Schillinger, seit mehr als 35 Jahren im Unternehmen und seit 2014 Vorstandsmitglied, mit dem Aufsichtsrat 
übereingekommen, seine Mandate zum Jahresende niederzulegen. Versicherer rechnen mit hohen Schäden infolge des Klimawandels Schäden durch Naturgefahren verursachten in der Sach- und Kfz-Versicherung allein im Jahr 2023 Kosten von insgesamt 5,6 Milliarden Euro, berichtet der Gesamtverband der Deutschen Versicherungswirtschaft im Naturgefahrenreport 2024. „Wir rechnen damit, dass sich die Schäden infolge des Klimawandels bis 2050 mindestens verdoppeln werden“, betont Jörg Asmussen, Hauptgeschäftsführer des GDV. Wachstumspotenziale bei Embedded Insurance Jeder dritte Versicherungskunde kann sich grundsätzlich für die Idee der „Embedded Insurance“ begeistern, 28 Prozent stehen dieser hingegen (eher) ablehnend gegenüber. Weitere 39 Prozent zeigen sich neutral bzw. verhalten positiv. Das geht aus der aktuellen Trendstudie "Gegenstandsversicherungen & Embedded Insurance" vom Marktforschungsinstitut Nordlight Research hervor. VHV mit Auto Starter-Tarif Junge Fahrer, die Autos von Familienmitgliedern, Freunden und Bekannten nutzen möchten, müssen bei der VHV ab sofort nicht mehr in mehrere Verträge eingeschlossen werden. Fahrer, die nicht älter als 24 Jahre sind, können mit der neuen Nutzervereinbarung Autostarter für einen jährlichen Beitrag von 299 Euro mindestens zwei und maximal sechs Pkw nutzen, die bei der VHV Allgemeine versichert sind. Canada Life aktualisiert Fondspolice Der Lebensversicherer Canada Life seine Fondspolice Flexibler Kapitalplan aktualisiert. Im Zuge der Überarbeitung seien die Limits für Einmalbeiträge und Zuzahlungen verringert worden. Nun könnten Kunden schon ab 10.000 Euro Einmalbeitrag sparen und Zuzahlungen ab 250 Euro platzieren. Cyberversicherungen sind aktuell Etwa 85 Prozent der Cyberschutz-Anbieter haben in diesem Jahr ihre Tarife aktualisiert. Dabei lassen sich Anpassungen in unterschiedliche Richtungen feststellen. Während sich einige Versicherer fast vollständig aus dem Markt zurückziehen oder eine strengere Zeichnungspolitik fahren, gibt es ebenso Akteure, die sich genau gegensätzlich über günstigere Preise und mit besseren Bedingungen am Markt positionieren. Das lässt den Markt für Cyberversicherungen noch heterogener werden. Das geht aus der CyberDirekt Marktanalyse 2024 hervor.

Die Themen im heutigen Versicherungsfunk Update sind: Ostangler Brandgilde und Landesschadenhilfe fusionieren Die Ostangler Brandgilde VVaG und die Landesschadenhilfe VaG haben den Entschluss gefasst, ihre Kompetenzen zu bündeln und zu Mitte 2025 eine Fusion umzusetzen. Beide Unternehmen profitieren dann von einer Portfolio-Erweiterung, mehr Reichweite und Ressourcen sowie Kostenvorteilen. Die Fusion ist die Antwort auf zunehmende Herausforderungen im Markt. Mehr dazu unter www.versicherungsbote.de. Provinzial fusioniert Lebensversicherer des Konzerns Die Entwicklung des Provinzial Konzerns schreitet mit der Verschmelzung der Provinzial NordWest Lebensversicherung und der Provinzial Rheinland Lebensversicherung weiter voran. Der gemeinsame Lebensversicherer firmiert künftig unter dem Namen Provinzial Lebensversicherung AG und stellt neben der bereits fusionierten Provinzial Versicherung AG eine der beiden Kerngesellschaften des Konzerns dar. Die BaFin hat der Verschmelzung bereits zugestimmt, sodass nun kurzfristig die Eintragung ins Handelsregister erfolgt. Damit wird die Fusion rückwirkend zum 1.Januar 2024 wirksam. Mit Prämieneinnahmen von mehr als zwei Mrd. Euro wird der neue Lebensversicherer mit Sitz in Kiel zu den Top-10 in Deutschland gehören. SDK: Unterschiedliche Vorstellungen sorgen für Trennung von Vorstandsmitglied Gerd Sautter und die Gesellschaften der SDK Gruppe haben sich in gegenseitigem Einvernehmen auf die Beendigung der Vorstandstätigkeit von Herrn Dr. Sautter zum 31. Dezember 2024 verständigt. Der Grund für das Ausscheiden seien unterschiedliche Vorstellungen über die zukünftige Ausrichtung der Krankenversicherung. Sautter hatte erst im Oktober 2023 den Posten angetreten. Damals hatte der promovierte Mathematiker die Nachfolge von Benno Schmeing angetreten. Bastian Roeder ergänzt Vorstandsteam der BCA Der Aufsichtsrat der BCA AG hat Bastian Roeder mit Wirkung zum 1. November in den Vorstand des unabhängigen Maklerpools aus Oberursel berufen. Roeder verantwortet künftig im Vorstandsteam die Ressorts Versicherung und Vorsorge, Vertrieb und Marketing sowie das Partnermanagement. Kfz-Versicherern drohen Verluste von zwei Milliarden Euro Die Kfz-Versicherer werden auch 2024 deutlich mehr Geld ausgeben müssen als sie einnehmen. „Nach unserer aktuellen Hochrechnung werden die Kfz-Versicherer einen Verlust von rund zwei Milliarden Euro verzeichnen. Die Beitragseinnahmen werden auf rund 33,8 Milliarden Euro steigen, aber die Versicherer müssen für jeden eingenommenen Euro 1,06 Euro für Schäden und Verwaltung ausgeben“, sagt Jörg Asmussen, Hauptgeschäftsführer des GDV. Bereits im vergangenen Jahr hatten die Kfz-Versicherer einen Verlust in Höhe von über drei Milliarden Euro hinnehmen müssen. 17. Vermittlerbarometer gestartet: AfW ruft zur Teilnahme auf Der Bundesverband Finanzdienstleistung AfW ruft alle Vermittlerinnen und Vermittler auf, sich bis zum 03.11.2024 am bereits 17. AfW Vermittlerbarometer zu beteiligen. Mit der großen Online-Umfrage, die ab sofort unter www.vermittlerbarometer.de zu erreichen ist, erhält der Bundesverband Finanzdienstleistung AfW sehr wichtige Informationen für seine politische Interessenvertretung in Berlin und Brüssel unmittelbar aus der Branche.

Die Themen im heutigen Versicherungsfunk Update sind: GDV begrüßt Reform der geförderten Altersvorsorge Der Gesamtverband der Deutschen Versicherungswirtschaft (GDV) begrüßt die Reform der geförderten privaten Altersvorsorge. „Damit werden Renten möglich, die durchschnittlich 40 Prozent höher sind als bei Riester. Das macht die Entscheidung für eine sichere und solide Rente noch attraktiver”, sagt Moritz Schumann, stellvertretender Hauptgeschäftsführer des GDV. Kritisch sieht Schumann allerdings, dass Einzelaktien im Altersvorsorgedepot förderfähig werden sollen: „Hohe Verluste drohen, wenn Anleger auf die falschen Aktien setzen. Das passt einfach nicht zur staatlich geförderten Altersvorsorge.” Verbraucherzentrale Bundesverband nimmt Stellung zur Riester-Reform Das Bundesministerium der Finanzen hat einen Gesetzentwurf zur Riester-Reform veröffentlicht. Für Verbraucher, die sich gut am Finanzmarkt auskennen, bringt die geplante Reform Verbesserungen. Für Riester-Bestandskunden könnte es problematisch werden, wenn sie in neue, aber noch teurere Versicherungen gedrängt werden, kritisiert der Verbraucherzentrale Bundesverband (vzbv) in seiner Stellungnahme. Wildwechsel im Herbst: Ausweichmanöver sind riskant Bei Ausweichunfällen mit kleinerem Haarwild wie einem Fuchs ist Vorsicht geboten, warnt aktuell der Bund der Versicherten (BdV). Viele Versicherer würden die Zahlung verweigern, weil man mit dem Überfahren des Tieres kaum einen nennenswerten Fahrzeugschaden riskiert hätte. Ein riskierter Totalschaden durch eine plötzliche Fahrtrichtungsänderung wird von den Versicherern als unverhältnismäßig angesehen. Generali-Industrieversicherer mit neuem Head of Aviation Generali Global Corporate & Commercial hat Paolo Silvestri mit Wirkung zum 1. Oktober zum neuen Head of Aviation ernannt. Er wird auch die Rolle des Head of Aviation innerhalb der Underwriting-Funktion von GC&C Italien ad interim beibehalten. Silvestri wird Nachfolger von Massimo Orsini, der weiterhin als Head of Cyber Insurance von GC&C tätig sein wird. DGTAL führt Insurance AI Agents ein KI-Pionier DGTAL launcht das nächste Level seiner KI-Lösungen für Versicherer. Mit der Integration von neu entwickelten sogenannter KI-Agenten (AI Agents bzw. Agentic Workflows) als Kernelement seiner Technologieplattform gelingt ein bedeutender technischer Durchbruch und die signifikante Steigerung in der Leistungsfähigkeit seines Angebots. FNG und Fondsfrauen geben Partnerschaft bekannt Das Forum Nachhaltige Geldanlagen e.V. (FNG) und Fondsfrauen, das führende Netzwerk für Frauen in der Finanzbranche, geben ihre neue Partnerschaft bekannt. Ziel dieser Zusammenarbeit ist es, die Potenziale beider Netzwerke zu bündeln, um Frauen gemeinsam in der Finanzbranche noch besser zu fördern.

Die Themen im heutigen Versicherungsfunk Update sind: Mittelfristige Ertragserwartungen der Versicherer spürbar verbessert Die Versicherungswirtschaft schaut auf mittlere Sicht optimistisch in die Zukunft. Die Ertragserwartungen für die nächsten drei Jahre haben sich spartenübergreifend spürbar verbessert, wie aus der vom GDV beauftragten jährlichen Sonderumfrage des Ifo-Instituts zur Ertragslage im Versicherungssektor hervorgeht. „Der Anteil der Unternehmen, die im Zeitraum von 2025 bis 2027 mit einer Verbesserung der Ertragssituation rechnen, liegt bei 53 Prozent. Im vergangenen Jahr waren es 51 Prozent “, sagt GDV-Hauptgeschäftsführer Jörg Asmussen. „Das zeigt, dass der Zukunftsoptimismus im Sektor anhält.“ Neuer PKV-Ombudsmann gefunden Der Vorstand des Verbands der Privaten Krankenversicherung hat Prof. Dr. Rainer Schlegel mit Wirkung zum 1. November 2024 zum neuen Ombudsmann der Privaten Kranken- und Pflegeversicherung berufen. Der 66-jährige Jurist war von 2016 bis zu seiner Pensionierung im Februar dieses Jahres Präsident des Bundessozialgerichts. Schlegel folgt als PKV-Ombudsmann auf Heinz Lanfermann, der im Juni nach rund zehnjähriger Amtstätigkeit verstorben ist. Übergangsweise nimmt Dr. Wilhelm Schluckebier die Funktion als Streitschlichter für die Private Kranken- und Pflegeversicherung wahr. GDV-Europachefin soll gehen Der Gesamtverband der deutschen Versicherer und Lenka De Mauro gehen getrennte Wege. Darüber berichtet das Fachportal "Versicherungsmonitor". Die Juristin ist seit 2019 als Head of European and International Affairs für den Versicherer-Verband tätig. Als Nachfolger sei Florian Wimber im Gespräch. Der Volkswirt ist aktuell Director Advocacy & Public Affairs beim Lobbyverband der irischen Versicherungswirtschaft Insurance Ireland tätig. Zurich zeichnet Planet Heroes aus Die Zurich Gruppe Deutschland hat die Planet Heroes 2024 ausgezeichnet. Dieser würdigt jährlich Projekte in den drei Themenbereichen „Klimaschutz“, „Biodiversität“, „Ozean- und Gewässerschutz“. Zu den Gewinnern zählen in diesem Jahr Architects 4 Future, die Heckenretter und One Earth One Ocean. Überdies verkündete der Versicherer die Neugründung der Zurich Planet Hero Stiftung mit dem Ziel der kontinuierlichen Unterstützung von Zukunftsprojekten. Bestzins für Finanzierungen fast durchgängig unter 3 Prozent Die durchschnittlichen Bestzinsen für Baufinanzierungen haben sich nach einem kurzen Abstecher über drei Prozent Anfang September mittlerweile auf 2,89 Prozent bei den 10-jährigen Zinsbindungen und auf 3,13 Prozent bei den 15-jährigen Zinsbindungen eingependelt. Anfang September hatten diese kurz bei 3,16 Prozent gelegen. Das geht aus dem Qualitypool Zinszoom hervor. Kfz-Tarife der Sparkassen DirektVersicherung jetzt für Fonds Finanz Makler vermittelbar Die Fonds Finanz hat einen neuen Produktpartner im Bereich der Kfz-Versicherung gewonnen. Damit stehen den Vermittlern des Maklerpools drei Kfz-Tarife der Sparkassen DirektVersicherung zur Verfügung. Pünktlich zum Jahresendgeschäft ist das neue Tarifangebot bereits über die

In dieser Folge tauchen wir in eine spannende und aktuelle Debatte ein: Es geht um den Schlagabtausch zwischen dem GDV (Gesamtverband der Deutschen Versicherungswirtschaft) und dem BVI (Bundesverband der Investmentgesellschaften) zum Thema Rentenversicherungen und Fondrenten. Ich zeige dir, warum klassische Rentenversicherungen oft mehr Risiko und versteckte Kosten bergen, als viele glauben, und was hinter den "Wetten" der Versicherer auf dein Lebensende steckt. Außerdem geht es um die Frage, ob die Fondrente wirklich eine renditestarke Alternative ist? Zudem beleuchten wir den berüchtigten Paragraphen 314 VAG, der es Versicherern erlaubt, Zahlungen auszusetzen, wenn sie in Schieflage geraten – und was das für deine Altersvorsorge bedeutet. Du möchtest wissen, wie du mit Eigenverantwortung und cleverer Planung dein Geld besser anlegen kannst? Dann ist diese Podcast-Folge genau die Richtige für dich! Mein Name ist Sven Stopka und ich bin einer von wenigen Honorarberatern in Deutschland. Ich bin Geschäftsführer der Firma TUENDUM Gesellschaft für Investmentberatung mit Sitz in Ahaus. Als Finanzberater, Coach und Mentor stehe ich an deiner Seite und bringe gemeinsam mit dir deine Finanzen und dein Money-Mindset auf das nächste Level.

GDV kritisiert teure Ersatzteile / In München startet die Immobilienmesse Expo Real // Beiträge von: Nikolaus Nützel, Walter Kittel / Moderation: Gabriel Wirth / Börse: Ralf Schmidberger

Die Themen im heutigen Versicherungsfunk Update sind: Kfz-Versicherung 21 % teurer als im Vorjahr Im Schnitt sind Kfz-Versicherungen aktuell 21 % teurer als im Vorjahr. Am höchsten fallen die Preissteigerungen für Haftpflicht-Versicherte aus: Die Preise sind hier um 25 % gestiegen. In der Teilkasko-Versicherung liegen die Prämien 21 % und in der Vollkasko-Versicherung 20 % über dem Vorjahr. Das zeigt der Kfz-Versicherungsindex des Vergleichsportals Verivox. Wildunfälle kosten Versicherer erstmals mehr als eine Milliarde Euro Die deutschen Autoversicherer haben 2023 etwa 282.000 Wildunfälle mit kaskoversicherten Autos registriert. Das ist ein Plus von 17.000 Unfällen. Die Kosten für Wildunfälle steigen seit Jahren rasant an. „Die Kfz-Versicherer haben 2023 erstmals mehr als eine Milliarde Euro für Wildschäden ausgeben müssen – das sind fast drei Millionen Euro pro Tag“, sagt Jörg Asmussen, Hauptgeschäftsführer des GDV. Der durchschnittliche Schaden nach einem Wildunfall betrug 3.850 Euro. Im Jahr 2022 waren es noch 3.600 Euro. Stuttgarter erneuert digitale bAV-Lösung Die Stuttgarter Lebensversicherung a.G. stellt ihre überarbeitete bAV-Lösung vor. Im Mittelpunkt der Überarbeitung stehen die Vereinfachung von Dokumenten und die Optimierung der Nutzerfreundlichkeit. So soll es beispielsweise zukünftig einen Schnellzugriff auf Dokumente geben. Überdies solle der Beratungsprozess verbessert werden. Geschäftspartner könnten nun individuelle Lösungen für Unternehmen entwickeln. Altersvorsorge: Männer sparen mehr als Frauen Männer sparen fürs Alter, zeigt das Anlegerbarometer von Union Investment, einer repräsentativen Online-Befragung von 1.004 Menschen in Deutschland. Demnach legen 42 % der männlichen Befragten jeden Monat 200 Euro oder mehr zurück. Auf diesen Betrag kommen unter den weiblichen Befragten mit nur 28 % deutlich weniger. 100 Euro bis 200 Euro können jeweils 29 % der Frauen und Männer monatlich für das Alter zur Seite legen. Kunden wünschen Versicherer-Unterstützung im Bereich Wohnen Versicherungskunden haben grundsätzlich ein hohes Interesse an Zusatzleistungen. Im Bereich Wohnen ist alles interessant, was den Umgang mit dem oftmals leidigen Thema Handwerker verbessert: Sei es die Vermittlung von Handwerkern (Interesse: 45 %), die Koordination von Handwerkern (57 %) oder aber auch die Rechtsberatung (56 %), wenn es zum Streit mit Handwerkern kommen sollte. Überdies findet jeder Dritte (30 %) ein Ökosystem, welches die für ihn relevanten Zusatzleistungen enthält, interessant. Das geht aus der Marktuntersuchung „Akzeptanz von Ökosystemen“ von Sirius Campus hervor. Wohngeld: 80 % mehr Empfänger Am Jahresende 2023 haben rund 1,2 Millionen Haushalte in Deutschland Wohngeld bezogen. Das waren 2,8 % aller privaten Hauptwohnsitzhaushalte. Wie das Statistische Bundesamt (Destatis) weiter mitteilt, stieg die Zahl der Wohngeld beziehenden Haushalte damit gegenüber dem Vorjahr um 80 % oder rund 521 700. Am Jahresende 2022 hatten noch rund 651 800 Haushalte Wohngeld bezogen. Der starke Anstieg ist begründet durch das zum 1. Januar 2023 in Kraft getretene Gesetz zur Erhöhung des Wohngeldes (Wohngeld-Plus-Gesetz).

Die deutschen Versicherer plädieren für ein Bauverbot in Hochwasser-Risikogebieten. Alexander Küsel vom GDV kritisiert, noch immer würden jährlich bis zu 2.000 neue Häuser in durch Hochwasser gefährdeten Lagen gebaut.

Die Themen im heutigen Versicherungsfunk Update sind: Private Altersvorsorge: Wie Christian Lindner die Förderung plant Geht es nach Bundesfinanzminister Christian Lindner (FDP) wird die Förderung der privaten Altersvorsorge so gestaltet: auf jeden selbst eingezahlten Euro legt der Staat 20 Cent drauf, bis zu einem maximalen Eigenbetrag von 3.000 Euro pro Jahr. Für Menschen mit Kindern wird es neben der Grundzulage weiterhin eine Kinderzulage geben. Das Finanzministerium schlägt 25 Cent pro selbst eingezahltem Euro vor, wobei der maximale Eigenbetrag hier 1.200 Euro beträgt und die Zulage pro Kind auf 300 Euro anwächst. Für Menschen mit einem Einkommen bis zu 26.250 Euro soll es zudem 175 Euro Bonus geben, Berufseinsteiger unter 25 Jahren können bis zu drei Jahre von einem 200-Euro-Bonus profitieren. Beitragsbemessungsgrenzen sollen stark steigen Der Entwurf für die Sozialversicherungsgrenzwerte für 2025 liegt vor. Demnach steigen die Beitragsbemessungsgrenzen in der allgemeinen Rentenversicherung auf erstmals bundeseinheitlich jährlich 96.600 Euro. Für die gesetzliche Krankenversicherung gilt dann eine Grenze von 66.150 Euro im Jahr, die Versicherungspflichtgrenze wächst auf 73.800 Euro. Das berichtet das VersicherungsJournal unter Berufung auf einen Entwurf aus dem Bundesarbeitsministerium. Jeder dritte Autofahrer senkt Kilometerzahl Mehr als jeder dritte Autofahrer findet den Vertrag seiner Kfz-Police als finanzielle Belastung. Das geht aus einer Umfrage von Finanztip hervor. Eine Möglichkeit die Beitragslast zu senken, ist die Kilometerzahl zu senken. Innerhalb der letzten fünf Jahre haben nur 39 Prozent der Autofahrer diese Möglichkeit genutzt und die Fahrleistung ihrer Kfz-Versicherung verringert. Fast die Hälfte hat dieses Tarifmerkmal noch nie optimiert. PKV stärkt Arztpraxen im ländlichen Raum Arztpraxen in Sachsen und insbesondere in den ländlichen Gebieten können ihren Betrieb überproportional stark mit Einnahmen aus der Behandlung Privatversicherter sichern. So erziele zum Beispiel eine Arztpraxis im Großraum Leipzig mit Privatversicherten einen realen Mehrumsatz von durchschnittlich 28.411 Euro im Jahr, im Großraum Dresden sind es 29.630 Euro. In ländlichen Gebieten wie etwa im Landkreis Vogtland sind es 49.464 Euro. Das zeigen neue Daten aus dem PKV-Regionalatlas Sachsen zur medizinischen Versorgung in den Regionen. In Summe betrage der PKV-Mehrumsatz 314,6 Millionen Euro jährlich. GDV sieht Inflation noch nicht 'besiegt' Die Entscheidung der Europäische Zentralbank (EZB), den Leitzins um 25 Basispunkte zu senken, begrüßte GDV-Hauptgeschäftsführer Jörg Asmussen. Dennoch seien weiterhin hohe Teuerungsraten im Dienstleistungssektor zu beobachten. Die Inflationsrate könnte sich als hartnäckig erweisen, so die Befürchtung. Beihilfeberechtigte: Auf diese Anbieter setzen VEMA-Partner In ihrer jüngsten Qualitätsumfrage befragte VEMA ihre Partner und Genossen nach deren favorisierten Anbietern im Bereich der Privaten Krankenversicherung für Beihilfeberechtigte. Mit 27,84 % der Nennungen setzte sich Axa/DBV in diesem Bereich durch. Vor Barmenia mit 15,72 % und Signal Iduna mit 9,73 %.

In der 76. Episode ist Patrik Maeyer vom GDV zu Gast. Er gibt unseren Experten Heidi Schmidt und Tobias Leicher spannende Einblicke in die aktuellen Themen der Deutschen Versicherungswirtschaft.

Die Themen im heutigen Versicherungsfunk Update sind: Diebe stehlen Autos im Wert von 310 Millionen Euro Die Zahl der Autodiebstähle ist im vergangenen Jahr erneut deutlich gestiegen. Wie aus dem Kfz-Diebstahlreport des GDV hervorgeht, haben Autodiebe 2023 unter anderem 14.585 kaskoversicherte Pkw gestohlen. Das ist ein Plus von fast 20 Prozent. Im Durchschnitt zahlten die Versicherer für jeden Diebstahl fast 21.400 Euro und damit rund sechs Prozent mehr als im Jahr 2022. „Der wirtschaftliche Gesamtschaden durch die Autodiebe wuchs auf mehr als 310 Millionen Euro.”, sagte GDV-Hauptgeschäftsführer Jörg Asmussen. Gothaer schützt Jagdhunde Die Gothaer hat ihre Bewegungsjagdversicherung aktualisiert. Im Rahmen dessen wurde der Versicherungsumfang speziell auf die Bedürfnisse von Jagdhunden und ihren Haltern zugeschnitten. Der Deckungsumfang der Versicherung ist in zwei Varianten erhältlich und ermöglicht es alle eingesetzten Jagdhunde zu versichern. „Durch die jüngste Erhöhung der Gebührenordnung für Tierärzte (GOT) sind die Kosten für tierärztliche Behandlungen deutlich gestiegen. Dies stellt insbesondere für Jägerinnen und Jäger und ihre Jagdhunde eine zunehmende Herausforderung dar“, sagt Dirk van der Sant, Line of Business Manager Jagd bei der Gothaer. Allianz-Vertrieb verstärkt Vorstand Der Aufsichtsrat der Allianz Beratungs- und Vertriebs-AG hat Hanno Wienhausen mit Wirkung zum 1. Oktober 2024 in den Vorstand berufen. Er war zuletzt bei der Allianz Suisse als Chief Underwriting Officer und Mitglied der Geschäftsleitung tätig. Wienhausen begann seine Karriere bei der Allianz 2014 als Assistent des Vorstandsvorsitzenden der ABV. HDI setzt auf generative KI Der Industrieversicherer HDI Global nutzt zukünftig generative künstliche Intelligenz, um die Leistungen für Kunden im Segment Internationale Programme weiter zu verbessern. Eine eigens entwickelte KI-Lösung greift dabei auf die firmeninternen und kontinuierlich durch Experten gepflegten Datenbanken mit Länderinformationen und Versicherungsbestimmungen aus tausenden lokalen Policen-Einträgen zu. Im laufenden Betrieb unterstützt die KI dann die HDI-Experten durch automatisierte Reaktionsvorschläge auf konkrete Kundenanfragen – diese Vorschläge umfassen länderspezifische Compliance-Vorgaben, benötigte Dokumente und empfohlene Prozessabläufe. MRH Trowe übernimmt Reise-Spezialisten MRH Trowe erwirbt 100 Prozent der Anteile an der TAS Touristik Assekuranz-Service GmbH von der Ergo Reiseversicherung AG. Die langjährige Kooperation der TAS mit Ergo wird auch zukünftig weitergeführt. Die Geschäftsführer Andreas Zollner und Tim Vittinghoff bleiben an Bord. Für die Mitarbeiterinnen und Mitarbeiter von TAS Touristik Assekuranz-Service GmbH sind keine Änderungen zu erwarten. Mit der Übernahme werde das Kompetenzfeld als Assekuradeur in der Reisebranche weiter ausgebaut. Mit der mdt travel underwriting GmbH verfügt MRH Trowe bereits über Expertise in der Touristikbranche. WIFO vertärkt Geschäftsleitung Der Maklerpool WIFO hat Martin Krausz Gesamtprokura verliehen. Der Ressortleiter für die Abteilungen Underwriting Leben, Underwriting Sach-Gewerbe, Antragsmanagement, Vertriebsinnendienst und Vertriebsaußendienst ist damit bereits mit Wirkung zum 1. August 2024 in die Geschäftsleitung aufgestiegen. Krausz ist seit über 17 Jahren im Unternehmen und verantwortet seit 2013 mehrere Bereiche als Ressortleiter.

Die Themen im heutigen Versicherungsfunk Update sind: Allianz strafft Agenturnetzwerk und Geschäftsstellen im Osten Die Allianz Beratungs- und Vertriebs-AG wird im Rahmen des Zukunftsprogramms die Zahl der Agenturen in den Bundesländern Sachsen, Thüringen, Sachsen-Anhalt, Mecklenburg-Vorpommern, Brandenburg und Berlin von 2.500 auf 2.000 abschmelzen. Zudem solle die Zahl der Geschäftsstellen im Vertriebsgebiet Nordost von 18 auf 15 vermindert werden. Die betroffenen Angestellten sollen neue Aufgaben erhalten. Betriebsbedingte Kündigungen solle es nicht geben. Der Versicherer reagiert damit auf die rückläufige und im Quervergleich stark alternde Bevölkerung, eine schleichende Entvölkerung der ländlichen Regionen und die zunehmende Urbanisierung im Nordosten. Axa Deutschland bekommt neue Operations-Vorständin Daniela-Carina Pohl wird zum 1. Oktober 2024 neue Operations-Vorständin von Axa Deutschland. Sie folgt in dieser Rolle auf Beate Heinisch, die den Versicherer zum 30. September 2024 auf eigenen Wunsch verlässt. Pohl ist seit Juli 2020 im Unternehmen und leitet den Bereich Groß- und Komplex-Schaden im Ressort Sachversicherung. Maklerpool erweitert Vorstand Die [pma:] Finanz- und Versicherungsmakler GmbH hat zum 1. September 2024 ihren Vorstand um den Mathematiker, Informatiker und Software-Experten Marc Engel erweitert. Er verantwortet ab sofort die IT-Strategie beim Münsteraner Unternehmen. Bundeskabinett verabschiedet Rentenaufschubprämie Das Bundeskabinett hat ein Gesetzespaket verabschiedet, das unter anderem stärkere Anreize für ältere Beschäftigte schaffen soll, später in den Ruhestand zu wechseln. Das berichtet die Deutsche Presse-Agentur. Wenn Menschen mindestens zwölf Monate über das reguläre Renteneintrittsalter hinaus arbeiten, sollen sie nicht allein höhere Rentenanwartschaften erwerben und so ihren Rentenanspruch steigern, da sie auch länger in die Rentenkasse einzahlen. Zusätzlich ist eine sogenannte Rentenaufschubprämie geplant. Die Bundesregierung will mit dieser Maßnahme den Fachkräftemangel auf dem Arbeitsmarkt bekämpfen. Zahl der Cyberschäden stieg Den deutschen Cyberversicherern wurden 2023 rund 4.000 Hackerangriffe gemeldet und damit 18,7 Prozent mehr als 2022. „Die Leistungen in der Cyberversicherung stiegen gegenüber 2022 um knapp 50 Prozent auf 180 Millionen Euro“, sagt Jörg Asmussen, Hauptgeschäftsführer des GDV. Unterm Strich wurden die Prämieneinnahmen aufgrund der Angriffe fast vollständig aufgezehrt. Die Schaden-Kosten-Quote stieg auf 97 Prozent – nach 77,7 Prozent im Jahr 2022. „Ein Cyber-Schaden kostete 2023 durchschnittlich 45.370 Euro. Das sind 8,3 Prozent mehr als 2022“, so Asmussen. DKV startet neue Zahnzusatzversicherung Die DKV Deutsche Krankenversicherung bringt zum 1. Oktober 2024 eine neue Zahnzusatzversicherung auf den Markt. Das Produktkonzept besteht aus Leistungen für Zahnersatz, Zahnbehandlung, Kieferorthopädie sowie Prophylaxe. Eine wesentliche Neuerung betrifft das Thema Prävention. Kunden mit gesunden Zähnen erhalten einen Vorteil, wenn sie regelmäßig zur Zahnvorsorge gehen. Sie erhalten bereits nach zwei Jahren die volle Deckung für ihre Zahnbehandlung, das heißt die sonst branchenübliche „Zahnstaffel“ wird um ein Jahr verkürzt.

Die Themen im heutigen Versicherungsfunk Update sind: Wirtschaftskriminalität: Die gefährlichsten Täter kommen aus dem eigenen Unternehmen Jeder zweite Fall von Betrug und Veruntreuung in deutschen Unternehmen ist auf das kriminelle Verhalten der eigenen Mitarbeiter zurückzuführen. Das geht aus Zahlen des Gesamtverbandes der Deutschen Versicherungswirtschaft (GDV) hervor, der rund 4.400 Schadensfälle aus der Vertrauensschadenversicherung ausgewertet hat. Demnach richten kriminelle Angestellte sogar höhere Schäden an als externe Täter: „Im Schnitt bringen kriminelle Mitarbeiter ihre Arbeitgeber um rund 125.000 Euro, bevor sie auffliegen“, sagt die stellvertretende GDV-Hauptgeschäftsführerin Anja Käfer-Rohrbach. Externe Kriminelle kämen im Schnitt auf 80.000 Euro. HDI Global ernennt Stephan Geis zum Managing Director für Deutschlandgeschäft Stephan Geis wird ab dem 1. November 2024 das Deutschlandgeschäft von HDI Global SE verantworten. In seiner Funktion als Managing Director Germany berichtet er an Vorstandsmitglied Dr. Barbara Klimaszewski-Blettner, die neben ihrer Funktion als Chief Claims Officer als Chief Market Officer Germany auch weiterhin für die Region Deutschland verantwortlich bleibt. Versicherungskammer schließt Kooperation mit Gini und IBM Die Versicherungskammer startet für ihre Bezahllösungen im Bereich private Krankenversicherungen eine Zusammenarbeit mit Gini, Anbieter innovativer Payment-Lösungen, und IBM, Anbieter in den Bereichen globale Hybrid-Cloud und KI sowie Consulting. Mit der Anbindung der Funktion „Gini Pay Connect“ an die von IBM entwickelte App „Mein GesundheitsManager" können Versicherte ab kommendem Jahr beispielsweise Arztrechnungen bequem aus der Versicherungs-App heraus über ihre Banking-App bezahlen. Versicherer setzen auf Software-as-a-Service Versicherer möchten externe Software immer mehr als Betriebsmodell Software-as-a-Service (SaaS) beziehen. Dieses Modell verringert das Investitionsrisiko und beschleunigt die Implementierung neuer Software. Das geht aus einem aktuellen Marktüberblick der PPI AG hervor, der 24 Hersteller von Systemen, die den Komposit-Bereich komplett abdecken, untersuchte. GDV kritisiert Fondsanbieter In der vergangenen Woche hat der BVI eine Studie vorgelegt, nach der eine sogenannte “Fondsrente fast bei allen bis zum Lebensende ausreiche“. Die Versicherer sehen die Studienergebnisse aus mehreren Gründen sehr kritisch. “Grundsätzlich sind die BVI-Berechnungen äußerst problematisch, weil sie auf sehr optimistischen, zum Teil auch falschen Annahmen bezüglich der Sterblichkeit sowie des Kapitalmarktes beruhen”, so Norbert Rollinger, Präsident des GDV. Auch die in der Studie gewählte Bezeichnung „Fondsrente“ ist irreführend. Es handelt sich schlicht um einen Fonds-Auszahlplan. Oldtimer-Fans erwarten Gegenwind: 16,8 % prognostizieren sinkende Akzeptanz für Oldtimer Oldtimer-Besitzerinnen und -Besitzer prognostizieren laut einer aktuellen Studie des Spezialversicherers Hiscox einige Herausforderungen für ihr Hobby in der Zukunft: Neben strengeren gesetzlichen Anforderungen (31,8 %) und einem möglichen Verlust des Sonderstatus (25,8 %) gehen auch 16,8 % davon aus, dass die gesellschaftliche Akzeptanz insgesamt für die klassischen Fahrzeuge mittel- bis langfristig sinken wird – insbesondere angesichts von Umweltdiskussionen.

In my latest ESPRESSO edition, I got to revisit my conversation with Gary McCluskey from 2020, he is the Managing Director, Global Design for Greystar, an architect for 25 years, his past catalogue as Strategic Design Advisor has covered nearly $5 billion worth of GDV. Gary shares a story filled with adventures in design and architecture across the living sector and his intense passion and inquisitive nature led him down paths many wouldn't have thought of. Come and join our LinkedIn community: https://www.linkedin.com/groups/9054319/Leave a review on the platform of choice if you've enjoyed this episodeYou can listen to the full episode at:https://open.spotify.com/episode/2rcWkcJKseOaxRPD6IiG1J?si=k3a8Rl2TS5GXU5OMUUCTRAhttps://podcasts.apple.com/ug/podcast/episode-9-gary-mcluskey/id1506496352?i=1000490011243Key Highlights:Early Career and Success:[00:00:28] Gary McCluskey reflects on his 25-year career as an architect and Strategic Design Advisor, managing projects worth nearly £5 billion GDV.[00:01:00] Started in architecture after discovering a passion for drawing as a child. Early on, he realised the importance of enjoying his work environment and the projects he worked on.Career Evolution:[00:03:37] From starting at a young architect's practice to becoming a Strategic Design Advisor handling major projects across London. Gary emphasises the importance of enjoying work and the people you work with.Transition to Interior Design:[00:05:22] A pivotal moment at a house party led Gary to join Johnson Naylor as a director, bridging the gap between architecture and interior design. Notable projects include South Bank Place and Canary Wharf.Joining Greystar:[00:09:00] Recruited by Greystar after working with them as a client, Gary now leads design efforts in a company of 10,000 people across 15 countries. His focus is on global expansion and collaborative design.Lessons Learned:[00:10:30] Gary shares insights on time management and prioritising meaningful work throughout his career.Conclusion:[00:10:48] Nick Carman concludes with a reflection on Gary's journey, emphasising the importance of passion and purpose in career success. Hosted on Acast. See acast.com/privacy for more information.

226 Highs and Lows of Property Development   In this Deals, Deals, Deals Podcast Series, we go Behind the Scenes on some of the UK's most Creative, Lucrative and Award-Winning Deals

Join Dr. Sheldon Padgett in this illuminating episode as he uncovers the world of canine emergencies, with a spotlight on the ominous bloat and other common challenges faced by dog owners. From the crucial distinctions between food bloat and the life-threatening gastric dilatation and volvulus (GDV) to preventive measures like spaying and gastropexy, Dr. Sheldon provides invaluable insights, particularly on why certain breeds are more susceptible. Discover the importance of early intervention and precise diagnostic techniques like cytology as Dr. Sheldon delves into his expertise in cancer surgery, emphasizing the empowering role of offering options and hope to pet owners during challenging times. Explore the nuances of veterinary care and the significance of staying informed about available options for your furry companions. From recognizing symptoms to preventive strategies such as prophylactic gastropexy, Dr. Sheldon covers it comprehensively. Plus, prepare to be entertained with amusing anecdotes and delve into the peculiar assortment of foreign objects found in dogs' stomachs, ranging from socks to corn cobs. Tune in to learn invaluable tips on keeping your beloved furry friends safe and sound.” Dr. Padgett grew up in northwest Ohio, and attended The Ohio State University for both his undergraduate studies and his veterinary degree (making him a true Buckeye). After graduation from veterinary school, he spent a year of intensive training at the Animal Medical Center in New York City. Following this, he pursued a surgical residency at the Washington State University College of Veterinary Medicine. During the 3-year surgical residency, he also obtained his Master's degree. After practicing in Massachusetts for 3 years, he then came back to Ohio in 2000 and established the surgical practice at Metropolitan Veterinary Hospital. Since then, he has been able to focus his professional energy on specializing in soft tissue surgery, with an emphasis on cancer treatment, minimally invasive techniques, and respiratory disease. He is proud of the educational program at MVH, where many doctors, in multiple specialties have received advanced training and gone on to achieve board certification. When not working on patients, or teaching, he is happy to spend time with family, or on a sailboat! Support our sponsor for this episode Blue Buffalo by visiting bluebuffalo.com. BLUE Natural Veterinary Diet formulas offer the natural alternative in nutritional therapy. At Blue Buffalo, we have an in-house Research & Development (R&D) team with over 300 years' experience in well-pet and veterinary therapeutic diets, over 600 scientific publications, and over 50 U.S. patents. At Blue Buffalo, we have an in-house Research & Development (R&D) team with over 300 years' experience in well-pet and veterinary therapeutic diets, over 600 scientific publications, and over 50 U.S. patents. All footage is owned by SLA Video Productions. --- Send in a voice message: https://podcasters.spotify.com/pod/show/speakingofpets/message

Jerome Roith is a property developer with over 25 years of diverse experience and has delivered numerous residential development projects, with a GDV in excess of £50 million.   Jerome started out in property as an estate agent. Running his own agency in central London which he exited in 2006 to get into the world of investing and developing.   In this episode, we discuss:   Going from being an estate agent to property developer Insights into planning gain Buying a 27 arce site unconditionally and the lessons learnt from that deal Why I focus on high end property and not entry level homes The first 3 things I look for in a pre planning site. Finding deals and what people get wrong   This and much more     Enjoy!   ***************       Developers Boardroom 2.0   New Group Coming Soon- Spring 2024   Looking to surround yourself with a small group of aspiring developers; To stay accountable and progress to the next level?   Click here for more details         GET IN CONTACT.   Email- raj@propertyinvesting2-0.com   Linkedin: https://www.linkedin.com/in/raj-chengadu-11381b69/   Instagram: https://www.instagram.com/propertyinvesting2.0/?hl=en      Guest: https://www.instagram.com/propertyplanninggain?igsh=MTJ0eGdzMmJjd3lpNA==

As dog owners, we have all heard of bloat, twisted stomach, or, as your veterinarian would say, GDV. GDV stands for gastric dilatation-volvulus. This urgent medical condition occurs when a dog's stomach fills with gas, food, or fluid and twists. This condition develops with almost no warning, can progress rapidly, and is always an emergency. Remember that “bloat” doesn't always indicate a twisted stomach, or GDV, because bloat can be a large gas, food, or fluid-filled stomach without any twisting present.  As a veterinarian and fellow birddogger, I want to stress the importance of discussing and planning for this preventable condition.

PART 5 REVIEW of The Science of Getting Rich by Wallace D Wattles Welcome back to PART 5 of our review of Wallace D. Wattles, The Science of Getting Rich. In this classic book on thinking, this book describes how each of us shapes the events around us, creating much of the positive riches in our own lives. Rhonda Byrne, creator of the movie The Secret[i], said she stumbled across The Science of Getting Rich and has "never been the same." This was one of the first seminars I sold when I worked with Bob Proctor back in the late 1990s, and he mentioned to me in our interview on EP 66[ii] that his business took off after Rhonda Byrne's The Secret took off. There is true magic within the words written within these pages, and like all of the books we dive deep into, it's the application of what we read here that has the potential to change our life forever. It took me some time to review this book, honestly, because many of the concepts I didn't fully understand myself. It's taken me over 25 years to finally grasp the meaning behind the timeless concepts that Wattles wrote about in 1910, and writing this series has helped me to refine my own thinking, in addition to sharing what I'm learning here with you, wherever you might be listening in the world. If you enjoyed our Deep Dive into Napoleon Hill's Think and Grow Rich[iii] book, or the 4 Part Series of The Silva Method,[iv] the concepts we will cover in this review go hand in hand with those Deep Dives. I read this review about this book and it caught my eye.   No student of thought should be without this historic book. Think about this for a minute. Read this book and do it exactly as written and you will see HOW failure is impossible. This is the PERFECT book and series to launch 2024 with. On today's episode #319 we will cover: ✔ CHAPTER 1: THE RIGHT TO BE RICH  “There is nothing wrong with wanting more in life. No man is to be happy with little.” (Ch 1, SGR, Wattles) ✔ CHAPTER 2 THERE IS A SCIENCE OF GETTING RICH With some thoughts on what the title of this book makes you think about. ✔ CHAPTER 3 IS OPPORTUNITY MONOPOLIZED? What is it that YOU really want? Do you think you can achieve it? ✔ CHAPTER 4: THE FIRST PRINCIPLE OF THE SCIENCE OF GETTING RICH We covered this chapter on EP 315 in PART 2[v] of this REVIEW where I challenged everyone to read chapters 4/14/7 for 90 days. Keep reading. ✔ CHAPTER 5: INCREASING LIFE Why must we develop our Mind, Body and Spirit? Welcome back to SEASON 11 of The Neuroscience Meets Social and Emotional Learning Podcast, where we connect the science-based evidence behind social and emotional learning (that's finally being taught in our schools) and emotional intelligence training (used in our modern workplaces) for improved well-being, achievement, productivity and results—using what I saw as the missing link (since we weren't taught this when we were growing up in school), the application of practical neuroscience. I'm Andrea Samadi, an author, and an educator with a passion for learning and launched this podcast 5 years ago with the goal of bringing ALL the leading experts together (in one place) to uncover the most current research that would back up how our brain learns best. At the end of each year, we review timeless and important books that were recommended to me when I worked in the motivational speaking industry in the late 1990s, and my goal is to see how science can inform us as we move towards our goals in 2024, (whether it with the interviews we will host) or by diving into what I saw working over and over again in the speaking industry, so we can all be the most improved, 2.0 version of ourselves. This year, we are reviewing Wallace D. Wattles The Science of Getting Rich book that was written in 1910. I've set the stage for the application of this book by asking us to begin or end our study by reading chapters 4/14/7 in this order for 90 days. The order is important. This is where our review began. If you can do this one activity, I promise you that the magical words that Wattles wrote on the pages of this book, will begin to have significant meaning to you. In PART 1[vi] we saw the importance of opening up our minds to prosperity thinking, (that there is more than enough for all of us vs poverty consciousness that there is not enough) and PART 2[vii] we focused on the power of our thoughts, specifically with how to “think and act in this certain way” to achieve the results we are talking about here. We gave examples of two distinct types of thinkers, encouraging all of us to open the keyhole in the door (or kick down the door) and expand of level of awareness in this process. With PART 3[viii] of our review, we explored Chapter 14, on The Impression of Increase, with two suggestions for Acting in this Certain Way with everyone we interact with. Look to where you can give others genuine compliments, pointing out their accomplishments and efforts, and always look for where you can assist others with your resources. Then on PART 4, we covered Chapter 7 on Gratitude that connected us directly with our source of supply. Let's now dive into the rest of the chapters of this timeless book, keeping in mind where the heart of this book exists. We must understand the syllabus. I'll read it here, and again at the end, and my hope is that the secret that Wattles intends us to “see” will reveal itself to you, and like Rhonda Byrnes, who read this book, and was never the same, I hope that something new is revealed to you, changing your thinking in some way, and helping you to see if you can do things in this Certain Way, that failure is impossible.  Remember: Getting Rich is the result of doing things in a certain way. We help ourselves first, then we look for ways to help others do the same. Before we begin, do you have questions about this syllabus like I did when I first read this book? Here's mine: Q1: What is this thinking stuff from which all things are made that fills the inter spaces of the universe? Wattles says, it's everywhere, but what is it? My Answer: It is formless, supremely intelligent and permeates everything around us—including organic and inorganic things and the spaces between them. Wattles uses many terms interchangeably to describe this substance. After reading and studying this book for over 2 decades, I came to see this “thinking stuff” as my Source, which I call God. You might call it something else, but naming it while reading this book can help to see its power and why “a thought in this substance produces the thing that is imaged by the thought.” This essentially is what prayer is. “A person can form things in their thoughts (or like through prayer) and by impressing their thoughts upon the formless substance (your source of Supply or God), can cause the thing they think about to be created.” When you break this syllabus down a bit, it doesn't seem so “far out there.”  I am certain that Wattles is describing the power of prayer. To put the syllabus into practice, think about where you feel the most connected to this source.  It is everywhere, but some of us might feel this connection in nature, like I've described while hiking in the mountains, near water (or the Ocean) like scientist and activist Dr. Wallace J Nichols talked about on EP 297[ix] this past summer. Wherever you feel the most connected, just trust that there is something bigger than you, that will help you to produce whatever it is that you “image” in your thoughts. Let's look at the remaining chapters of the book. CHAPTER 1 THE RIGHT TO BE RICH  Wattles says that “No man can rise to his greatest possible height in talent or soul development (our fullest) potential without money.”  In the pages of my notebook, I wrote “thought always proceeds the action” or “what's coming, we think about.” I don't need to look far to say this isn't so, as we witness this with our two girls and competitive gymnastics. As with any sport or skill, it takes money to learn these skills, and it was a good year that our oldest daughter would ask to join the competitive team at her gym before we agreed to it. Later, she let me know that she used to watch YouTube videos of gymnasts training, and she knew this is what she wanted to do with all of her heart. There was much thought in her mind that happened a good year BEFORE she even tried out to be a part of this team. The same goes with the material you are studying now. I watched people pay thousands of dollars to attend each seminar to learn this information from the best teachers in the world. Many who wanted to attend, couldn't not pay the tuition. You can always read this book on your own, or watch videos to learn new skills, but to immerse yourself with the best teachers in the world, the easiest way is to pay for an exchange of their knowledge for your money.  “To unfold the soul and develop talent” we cannot do these things unless you have the money to pay for them.  Which leads me back to why I'm giving away everything I've learned over the years, for FREE, on this podcast. I know this is what I am meant to do. I was fortunate enough to learn directly from some of the best teachers in the world, and now, I am meant to give back in this way. For now, this podcast remains ad free for this reason. It has always been important to me that I put the best work I've got, out to the world, for free, because of the principles within the pages of this book.  What I want for myself, I want for others. When you find your place, you will know where you have room to give back. I do think that Wattles intends us to all get to this place where we shift our thinking from “what can I get” to “how can I help others” with my talents and abilities. Part 1 of this series we spent on prosperity consciousness vs poverty for this reason. If you're listening and are struggling with this concept, go back and listen to Part 1 where we dove into two ways of thinking about money.  This is an important lesson because we will need it to “reach our fullest mental, spiritual and physical unfoldment.” (Ch 1, SGR, Wattles). “Success in life is becoming what you want to be” (Ch 1, SGR, Wattles) so for my daughter who begged us to join competitive gymnastics, it was her desire seeking expression with and through her, (to do this sport) but it takes money to do this.  I think back to my early days, when I wanted to become a teacher it took money to pay for my teacher training. If you want to learn business strategies, same idea. Whatever we want, it begins with a desire in our thoughts, and what's coming our way, we will think about, usually long before we take action towards it. What about you? Whenever we have wanted to learn, grow and advance ourselves in our lives and careers, it takes money to do this. Remember: “There is nothing wrong with wanting more in life. No man is to be happy with little.” (Ch 1, SGR, Wattles). What do you think when you hear this? Do you agree with Wattles? Over the years I became more comfortable with “wanting more in life” and when I was living my most lean years, I made sure to spend my leisure time in places that made me “feel” the abundance that Wattles was describing when he said “there is nothing wrong with wanting.”  I often sat writing in the lobby of the most beautiful resorts I could find to keep my thinking away from poverty and more towards prosperity thinking. Wattles writes that “No man can rise to his greatest possible height in talent or soul development unless he has plenty of money; for to unfold the soul and to develop talent he must have many things to use, and he cannot have these things unless he has the money to buy them with.” (Ch 1, SGR, Wattles). Like my daughter's gymnastics training, or what we must do to pay for new skills we want to acquire. Wattles writes that “Man's right to life means his right to have free and unrestricted use of the things which may be necessary to his fullest mental, spiritual and physical unfoldment.” (Ch 1, SGR, Wattles). “No man can be really happy or satisfied unless his body is living fully in every function, and unless the same is true of his mind and soul.” (Ch 1, SGR, Wattles). Be sure to develop all three parts of us (our body, mind and soul). “Wherever there is unexpressed possibility, or function not performed, there is unsatisfied desire. Desire is possibility seeking expression, or function seeking performance.” (Ch 1, SGR, Wattles). Think about this for a minute. What is it in you that is “unexpressed possibility” that you could nurture and grow in 2024? For me, it's clear and obvious. If I was unable to research, read books, and then work on integrating this new information in my life, and then share what I'm learning with you, I would not be truly happy. Hosting this podcast (is my desire seeking expression) is driven by an unrelentless desire for me to keep researching, learning, and sharing anything that can help us to all improve our productivity and results. What about you? What is it that you must do? What is your desire that is “possibility seeking expression” in you? This is a good thing to know for ourselves, and then look at see if you can notice it in others. Before moving to chapter 2, I think we have given some good examples as to why there is nothing wrong with wanting to have enough money to develop our body, mind and soul, to nurture our “desires” or our “possibility seeking expression” or “function seeking performance” so we can be truly happy ourselves, before we begin to think of how we can extend our hand outwards, to help others. CHAPTER 2 THERE IS A SCIENCE OF GETTING RICH Before we go any further, I wonder, what comes up for you when you saw the title of this book?  Do you think of the TV show Lifestyles of the Rich and the famous, like me? The title of this book is one of the reasons I didn't want to cover it on this podcast in the first place. While I see the importance of earning money, I'm not one to want to “be rich” and when multi-million-dollar yachts sail past me, they don't catch my eye. I've never been drawn to anything excessive so covering a book about “getting rich” was not on the top of my list. I can recognize others like me while I'm interviewing them. The inventor of GDV technology, Dr. Konstantin Korotkov, from EP 307[x] mentioned that while he enjoys inventing, he's not as good with the business side of things. He writes in his books that when he went on some of his exciting trips around the world, he just took his sandals, and a hat to keep the sun off his face. So, if you are like me, not very interested in “Getting Rich” and the title of this book deterred you a bit, just see if there is something we can learn together. It's here my mentor, Bob Proctor, would send me back to PART 1[xi] of this series, and work on my prosperity thinking. He would remind me that “nobody can have all he wants without plenty of money.” (Chapter 1, SGR, Wattles). And I would come back to Chapter 2 with an expanded and open mind. This Certain Way has to do with Prosperity Thinking vs Poverty. REMEMBER: “There is a Science of getting rich, and it is an exact science, like algebra or arithmetic.” (Chapter 2, SGR, Wattles) and we have discovered that it's about thinking and acting in a certain way. “There are certain laws which govern the process of acquiring riches and when these laws are learned and obeyed by any man, he will get rich with mathematical certainty.” (Ch 2, SGR, Wattles). If you were to study this book through Bob Proctor's Seminars, it's here that he would cover the 7 Laws of the Universe, where he would say that doing things in this “certain way” would be according to these Natural Laws that Wattles mentions in Chapter 2. We were not taught these laws in school, and I'm not going to cover them here, but I will say that “it doesn't matter WHAT we're doing, it matters HOW we are doing it.” We will cover “this certain way” in this book study, so at the end of these chapters, we will have a clear strategy on HOW to THINK AND ACT in this certain way, that Wattles describes and “those who do things in this Certain Way, whether on purpose or accidentally, get rich; while those who do not do things in this Certain Way, no matter how hard they work or how able they are, remain poor.” And “nobody can have all he wants without plenty of money.” (Chapter 1, SGR, Wattles). Here's An Example: Have you ever seen two businesses on the same side of the road, and one is thriving while the other is not? Wattles addresses this when he says that Getting Rich is “not a matter of environment” (Ch 2, SGR, Wattles) even though “some environments may be more favorable than others” but the success one person experiences is a result of “Doing Things in This Certain Way.” Wattles also says that “the ability to do things in this certain way is not due solely to the possession of talent, for many people who have great talent, remain poor, while others who have very little talent get rich.”  He says that “if you study people who have gotten rich, we find they are an average lot in all respects, having no greater talents and abilities than other men.” (Ch 2, SGR, Wattles). They got rich by “Doing Things in This Certain Way.” We covered this concept in PART 1[xii] of this review, as “Doing Things in This Certain Way” begins with prosperity thinking versus poverty mindset. Let's keep going and see what else we can add to open up our understanding in this timeless book and of Doing Things in This Certain Way that Wattles describes. CHAPTER 3 IS OPPORTUNITY MONOPOLIZED? Chapter 3 is a good chapter for anyone who is worried that an opportunity that they really want, will pass them by. Wattles explains that “No man is kept poor because opportunity has been taken away from him; because other people have monopolized the wealth, and have put a fence around it.” (Ch 3, SGR, Wattles). This is where the “thinking stuff” comes into play. It matters what thoughts we think, and put out into the world. When we think “oh, there's no way I will ever do xyz” then that's the message you've sent out to the formless substance. It might sound crazy, but just stay with me here. If Wallace D. Wattles wrote these principles in 1910, and they closely match Napoleon Hill's Think and Grow Rich, and Jose Silva's The Silva Method, then why not just test this out for yourself for some time. The only thing we lack is awareness…and in order to open up our awareness, we must kick down the door, and look at the opportunity that's available to all of us.  Wattles explains that “The visible supply is practically inexhaustible; and the invisible supply really IS inexhaustible. (Economics teaches us there is a limited supply but Wattles is telling us that human attention is the only thing that is scarce). Everything you see on earth is made of one substance, out of which all things proceed. New Forms are constantly being made, and older ones are dissolving; but all shapes are assumed by One Thing. There is no limit to the supply of the Formless Stuff, or Original Substance.” (Ch 3, SGR, Wattles). Abundance is here, we just might not be able to “see” it if it's on a different level of vibration than our current level of thinking. This is where we come to understand that “the resources of the formless supply are at the command of any man or woman who will act and think in a certain way” then “the Secret to Life” (Ch 3, SGR, Wattles) is available to all of us. Whatever it is that you desire, (that possibility that seeks expression with and through you) it is possible to achieve, with time, effort, hard work and focus. Like our daughters who begged us to join gymnastics, they were both willing to put in the hard work to develop the skills needed to push them both through difficult times to bring their visions into form) or for me, to know that I can never sit somewhere and not be reading a book, or writing an episode, that I'll record and put out into the world. I'm willing to put in the time and effort to make sure these episodes are my best work, offering our listeners something unique, something they couldn't just get from the internet, or from Google, which puts this show at the top of the charts (in Neuroscience[xiii] and SEL[xiv]) each year. What is it for you? What is it that's seeking expression through you? It might be a book you want to write, and you think, “Oh that book's already been written” or you think someone else might be better at what you want to do. Until you step forward and try, you'll be holding yourself back from expressing the possibility that wants to be expressed within you. Remember: The invisible supply is inexhaustible. The supply will never run short. If you come to this chapter, and are aware of something that might be holding you back from something you desire, it's here that you can look at your paradigms, or beliefs that we covered in depth of EP 67.[xv] If you are with me here, and know what it is that is seeking expression with and through you, (whatever it is that you desire) and you are not worried that someone else will take your place, keep reading this book. CHAPTER 4: THE FIRST PRINCIPLE OF THE SCIENCE OF GETTING RICH We covered this chapter on EP 315 in PART 2[xvi] of this REVIEW where I challenged everyone to read chapters 4/14/7 for 90 days. Keep reading. CHAPTER 5: INCREASING LIFE Wattles explains that “Every living thing must continually seek for the enlargement of its life, because life, in the mere act of living, must increase itself.” (Ch 5, SGR, Wattles). There is nothing wrong for wanting to be/do/have more in our lives. Wattles says that “We want to get rich in order that you may eat, drink, and be merry when it's time to do these things, see distant lands, feed your mind and develop your intellect; in order that you may love men and do kind things, and be able to play a good part in helping the world find truth.” (Ch 5, SGR, Wattles). Brian Proctor talked about this concept on our interview EP 292[xvii] this past summer because this is one chapter that Bob Proctor lived every day. He gave the impression of increase to EVERYONE. I remember when I was moving from Toronto to the US in 2001, with barely any money in my pocket, but an incredible vision for where I was going, and Bob said to me “Andrea, are you flying first class to Arizona?” I almost fell off the chair I was sitting on. Of course, I wasn't flying first class! It would be a few years before I sat in first class on an airplane, but Bob wanted me to see that sitting in first class was definitely an option. It was just an option that took me a few years to grasp. Wattles says it this way. “A seed, dropped into the ground, springs into activity, and in the act of living produces a hundred more seeds; life, by living, multiplies itself. It is forever Becoming More; it must do so, if it continues to be at all. Intelligence is under this same necessity for continuous increase. Every thought we think makes it necessary for us to think another thought; consciousness is continually expanding. Every fact we learn leads us to the learning of another fact; knowledge is continually increasing. Every talent we cultivate brings to the mind the desire to cultivate another talent; we are subject to the urge of life, seeking expression, which ever drives us on to know more, to do more, and to be more.” (Ch 5, SGR, Wattles). It's here that learning to live beyond our 5 senses, what our senses pick up, and develop the 6 faculties of our mind: our perception, reason, will, memory, imagination and intuition that we covered on EP 294[xviii] come into play. When Proctor asked me if I was flying first class to Arizona, he planted the seed in my mind that flying first class was a great way to travel. Proctor planted many seeds in my mind in the 6 years I worked in the seminar industry. Now, I feel like it's my obligation to share what I learned, to help others. Wattles reminds us to “make the most of yourself, for yourself, and for others; and you can help others more by making the most of yourself than in any other way” (Ch 5, SGR, Wattles.) You must live for yourself, (finding the right balance with just enough) for yourself first, and then help look for how you can help others. If you come from the competitive mindset, (if you've been conditioned to either WIN or LOSE) this next concept might take some additional effort. Wattles reminds us to “get rid of the thought of competition. You are to create, not to compete for what is already created. You do not have to take anything away from from anyone.” (Ch 5, SGR, Wattles). “Riches secured on the competitive plane are never satisfactory and permanent” Wattles says. They are yours today and another's tomorrow.  Remember if you are to become rich in a scientific and certain way, you must rise entirely out of competitive thought. You must never think for a moment that the supply is limited. This will drop you into the competitive mind the moment you begin to think that all the money is being cornered and controlled by the bankers and others…Know that the money you need will come when you need it. Live by this absolute truth.  “There is a thinking stuff from which all things are made, and which, in its original state, penetrates, permeates and fills the interspaces of the universe.  A thought in this substance produces the thing that is imaged by the thought.  You can form things in your thought, and by impressing your thought upon the formless substance, can cause the thing you think about to be created.” REVIEW AND CONCLUSION: To review and conclude PART 5 of our review of Wallace D. Wattles' The Science of Getting Rich, we covered: CHAPTER 1: THE RIGHT TO BE RICH  “There is nothing wrong with wanting more in life. No man is to be happy with little.” (Ch 1, SGR, Wattles) “To unfold the soul and develop talent” we cannot do these things unless you have the money to pay for them.” (Ch 1, SGR, Wattles) Then we talked about how our desire is “possibility seeking expression” with and through us, and we can look within ourselves to discover what our true desires are that we must express. My daughter, wanted to train in competitive gymnastics, which requires money “to unfold her soul and develop her talent.” I know that to unfold my soul, I must spend my leisure time studying, learning, and then sharing what I am learning to help others. Money is required for both of these examples. What is YOUR desire that's seeking expression with and through you? CHAPTER 2 THERE IS A SCIENCE OF GETTING RICH There is a Science of getting rich, and it is an exact science, like algebra or arithmetic.” (Chapter 2, SGR, Wattles) and we have discovered that it's about thinking and acting in a certain way. Wattles describes that “those who do things in this Certain Way, whether on purpose or accidentally, get rich; while those who do not do things in this Certain Way, no matter how hard they work or how able they are, remain poor.” My goal with this review of Wattles' SGR book is to show us that we ALL have the same ability, the ability to “think” and “act” in a certain way, (with prosperity thinking vs poverty thinking) and that once we have learned to think and act this way for ourselves, we can then turn our focus onto others and add tremendous value and abundance to someone else's life. CHAPTER 3 IS OPPORTUNITY MONOPOLIZED? In this chapter, we come to understand that “the resources of the formless supply are at the command of any man or woman who will act and think in a certain way” and that “the Secret to Life” (Ch 3, SGR, Wattles) is available to all of us. It's here that we see that there is something that's seeking expression with and through you, (whatever it is that you desire) and you are not worried that someone else will take your place. Nothing is impossible. CHAPTER 4: THE FIRST PRINCIPLE OF THE SCIENCE OF GETTING RICH We covered The First Principle of “thinking and acting in this certain way” on EP 315 in PART 2[xix] of this REVIEW where I challenged everyone to read chapters 4/14/7 for 90 days. When reading Chapter 4, every day, the words will begin to have meaning to you, and your thinking will change, I promise you. In this chapter, I began to think: What do I really want? How am I thinking? Thinking is difficult! And slowly, with time, I began to see that nothing is impossible. CHAPTER 5: INCREASING LIFE We learned that it's important to “make the most of yourself, for yourself, and for others; and you can help others more by making the most of yourself than in any other way” and that “we are impelled to know more, be more and do more.” (Ch 5, SGR, Wattles.) We want to get rich in order that you may eat, drink, and be merry when it's time to do these things, see distant lands, feed your mind and develop your intellect; in order that you may love men and do kind things, and be able to play a good part in helping the world find truth.” (Ch 5, SGR, Wattles). There is nothing wrong with wanting to develop our mind/body and spirit. In doing so, we uncover whatever it is that's seeking expression in ourselves, that we want to develop in ourselves. Once we have developed ourselves, we can figure out ways to help others to do the same. Each chapter in The Science of Getting Rich helps to build our understanding of what it is that we are meant to do in this world, with an unwavering belief that we cannot fail. Once we have done this, we lend our hand to help others. Remember: “There is a thinking stuff from which all things are made, and which, in its original state, penetrates, permeates and fills the interspaces of the universe.  A thought in this substance produces the thing that is imaged by the thought.  You can form things in your thought, and by impressing your thought upon the formless substance, can cause the thing you think about to be created.” “In order to do this, a person must pass from the competitive to the creative mind. They must form a clear mental picture in their thoughts with the fixed purpose to get what they want, and the unwavering faith that they will get what they want—closing their mind to all that may tend to dim their vision, or quench their faith. “ Can you see how Wallace D. Wattles' The Science of Getting Rich goes hand in hand with Napoleon Hill's Think and Grow Rich and The Silva Method? How NOTHING is impossible? How we are the product of our thoughts. What we think, we become? Next episode, we will cover chapters 6, 8, 9, 10, 11 and 12 that will lead us all to Chapters 13, 15, 16, 17 and the conclusion of this book review. See you next time. REFERENCES:   [i] Rhonda Byrne 2006 The Secret https://www.imdb.com/title/tt0846789/   [ii] Neuroscience Meets SEL Podcast EPISODE #66 with The Legendary Bob Proctor https://andreasamadi.podbean.com/e/the-legendary-bob-proctor-on/     [iii] Neuroscience Meets SEL Podcast PART 1 Think and Grow Rich Series https://andreasamadi.podbean.com/e/think-and-grow-rich-book-review-part-1-how-to-make-2022-your-best-year-ever/     [iv]Neuroscience Meets SEL Podcast PART 1 of The Silva Method  https://andreasamadi.podbean.com/e/a-deep-dive-with-andrea-samadi-into-applying-the-silva-method-for-improved-intuition-creativity-and-focus-part-1/     [v] Neuroscience Meets SEL Podcast EPISODE #315 PART 2 REVIEW of Wallace D. Wattles The Science of Getting Rich  https://andreasamadi.podbean.com/e/part-2-review-of-wallace-d-wattles-the-science-of-getting-rich-on-chapter-4-thinking-and-acting-in-a-certain-way/   [vi] Neuroscience Meets SEL Podcast EPISODE #314 PART 1 REVIEW of Wallace D. Wattles The Science of Getting Rich  https://andreasamadi.podbean.com/e/part-1-review-of-wallace-d-wattles-the-science-of-getting-rich-on-prosperity-consciousness/   [vii] Neuroscience Meets SEL Podcast EPISODE #315 PART 2 REVIEW of Wallace D. Wattles The Science of Getting Rich  https://andreasamadi.podbean.com/e/part-2-review-of-wallace-d-wattles-the-science-of-getting-rich-on-chapter-4-thinking-and-acting-in-a-certain-way/     [viii] Neuroscience Meets SEL Podcast EPISODE #316 PART 3 REVIEW of Wallace D. Wattles The Science of Getting Rich https://andreasamadi.podbean.com/e/part-3-review-of-wallace-d-wattles-the-science-of-getting-rich-on-chapter-14-the-neuroscience-behind-the-impression-of-increase/   [ix]Neuroscience Meets SEL Podcast EPISODE #297 with Scientist and Activist Dr Wallace J Nichols on “Blue Mind”  https://andreasamadi.podbean.com/e/author-scientist-and-activistdrwallace-jnichols-on-blue-mind-the-surprising-science-that-shows-how-beingnear-inonor-underwatercanmakeyourhappier-h/   [x] Neuroscience Meets SEL Podcast EPISODE #307 with Dr. Konstantin Korotkov https://andreasamadi.podbean.com/e/dr-konstantinkorotkov-on-bridging-thespiritualworld-with-rigorousscientific-method-methodtappingintothe-powerof-our-thoughtsenergy-fieldsandlimitless/   [xi] Neuroscience Meets SEL Podcast EPISODE #314 PART 1 REVIEW of Wallace D. Wattles The Science of Getting Rich  https://andreasamadi.podbean.com/e/part-1-review-of-wallace-d-wattles-the-science-of-getting-rich-on-prosperity-consciousness/     [xii] Neuroscience Meets SEL Podcast EPISODE #314 PART 1 REVIEW of Wallace D. Wattles The Science of Getting Rich  https://andreasamadi.podbean.com/e/part-1-review-of-wallace-d-wattles-the-science-of-getting-rich-on-prosperity-consciousness/   [xiii] Top 17 Best Podcasts in Neuroscience in 2023 https://geniuslabgear.com/blogs/for-scientists/17-best-neuroscience-podcasts   [xiv] Top 20 Best SEL Podcasts in 2023 https://podcasts.feedspot.com/social_emotional_learning_podcasts/   [xv] Neuroscience Meets SEL Podcast EPISODE #67 “Expanding Our Awareness” https://andreasamadi.podbean.com/e/expanding-your-awareness-with-a-deep-dive-into-bob-proctors-most-powerful-seminars/   [xvi] Neuroscience Meets SEL Podcast EPISODE #315 PART 2 REVIEW of Wallace D. Wattles The Science of Getting Rich  https://andreasamadi.podbean.com/e/part-2-review-of-wallace-d-wattles-the-science-of-getting-rich-on-chapter-4-thinking-and-acting-in-a-certain-way/   [xvii]Neuroscience Meets SEL Podcast EPISODE #292 with Brian Proctor on “My Father Knew the Secret”  https://andreasamadi.podbean.com/e/brain-proctor-on-my-father-knew-the-secretgrowing-up-with-bob-proctor/   [xviii] Neuroscience Meets SEL Podcast EPISODE #294 “Beyond Our 5 Senses”  https://andreasamadi.podbean.com/e/beyond-our-5-senses-understanding-and-using-the-six-higher-faculties-of-our-mind/   [xix] Neuroscience Meets SEL Podcast EPISODE #315 PART 2 REVIEW of Wallace D. Wattles The Science of Getting Rich  https://andreasamadi.podbean.com/e/part-2-review-of-wallace-d-wattles-the-science-of-getting-rich-on-chapter-4-thinking-and-acting-in-a-certain-way/  

In this powerful episode of The HEAL Podcast, I sit down with the extraordinary Dr. Joe Dispenza, one of my favorite humans doing incredible work in the world. We delve deep into the groundbreaking scientific research he has been spearheading, which sheds light on the profound biological changes and rapid healing transformations that people are experiencing through his work. We explore the important connection between the mind, heart, and quantum field and how getting oneself into a coherent state through regular and specific meditations can lead to spontaneous healing, mystical moments, and powerful manifestations. We also talk about my recent experience at one of his Week Long Advanced Retreats, which was truly one of the most profound, transformative experiences of my life. This is bestselling author, researcher, and international lecturer Dr. Joe Dispenza's second appearance on The HEAL Podcast, with his first episode being one of the most-streamed episodes to date. As a researcher, Dr. Joe's passion can be found at the intersection of the latest findings from the fields of neuroscience, epigenetics, and quantum physics to explore the science behind spontaneous remissions and the potential for touching the mystical. He uses that knowledge to help people heal themselves of all kinds of illnesses, chronic conditions, and even terminal diseases so they can enjoy a life filled with purpose, gratitude, and vitality. At his advanced weeklong workshops around the world, he has partnered with top scientists to perform extensive research on the effects of meditation, including epigenetic testing, brain mapping with electroencephalograms (EEGs), and individual energy field testing with a gas discharge visualization (GDV) machine. All data points to our access to a world of truly infinite possibilities! The episode presents a captivating journey into the world of self-healing, making it a must-stream for those seeking to unlock their potential and experience profound transformation and true healing. Links Dr. Joe Dispenza's Website: https://drjoedispenza.com/ Dr. Joe Dispenza on Instagram: https://www.instagram.com/drjoedispenza/ Dr. Joe's 1st Episode on The HEAL Podcast (Apple): https://tinyurl.com/5cu9x6f7 Dr. Joe's 1st Episode on The HEAL Podcast (Spotify): https://tinyurl.com/n4acjkm8 Stories of Transformations from Dr. Joe Dispenza: Marilena, Maninder, and Angelia Sponsors: BITE: Go to trybite.com/HEAL or use code HEAL for 20% off your first order. DOSE: Go to dosedaily.co/HEAL and use code HEAL to get 30% off your first order. ORGANIFI: Go to Organifi.com/HEAL and use code HEAL to get 20% off your order.   Learn more about your ad choices. Visit megaphone.fm/adchoices

Lauren and JJ investigate a case of retching and anxiety in a dog patient. This episode includes a review of gastric dilatation and volvulus in the dog. References: (1)Gastric dilatation-volvulus syndrome (canine). Veterinary Information Network. Last upadated 8/4/22 by Rothrock, K. www.vin.com (2) Rudloff, E. (2022). A review of GDV. Proceedings of the Veterinary Emergency and Critical Care Spring Symposium.

“As the acceptance of expanded human potential gains mainstream momentum, the question has shifted from “What is possible in our lives?” to “How do we do it? How do we awaken our extraordinary potential in everyday life?” Welcome to PART 3 of our review of Dr. Joe Dispenza's work. On today's EPISODE #311 on "Decoding Our Thoughts: How to Build a Better Future with the Power of Our Mind" and PART 3 of our Review of Dr. Joe Dispenza's work, we will: Review Chapter 3 of Dr. Joe Dispenza's book,  Becoming Supernatural on Accessing The Quantum World for improved results in our personal, professional life, or with our health and wellness.  STEP 1: DROPPING INTO THE PRESENT MOMENT: OPENING THE DOORWAY TO THE QUANTUM WORLD STEP 2: SETTING A CLEAR INTENTION OF WHAT YOU WANT TO CHANGE IN YOUR LIFE STEP 3: HOW TO CHANGE YOUR ENERGY STEP 4: UNCOVERING WHAT YOU LEARN in THE QUANTUM WORLD STEP 5: RECORDING WHAT HAPPENS AND KEEP WORKING ✔ What science has to say about the Quantum World? ✔ Strategies on how to IMPLEMENT these 5 STEPS into our daily life for improved results (personally, professionally and with our health). Today we will continue our exploration of how exactly we live up to the full potential we all have within us, or like the name of Dr. Joe Dispenza's book, Becoming Supernatural: How Common People are Doing the Uncommon. Today as we cover PART 3 of this exploration we will identify clear strategies to awaken the extraordinary potential in each of us, and these will be evidence-based strategies, that are backed by science.  We will do this by looking at CH 3 of Becoming Supernatural, a book that is the first-of-its-kind manual that does precisely this: it leads us on a step-by-step journey to achieving our greatest potential in body, health, relationships, and our life purpose and allows us to make that journey at our own pace. This book study has taken me some time to think, and consolidate what I'm learning since we released PART 1 the end of September. I needed this time to put Dr. Dispenza's ideas and meditations into practice, and have spent the past month and a half, immersed in his teachings, filling in the gaps of understanding I've had since I first began studying human potential in the late 1990s. As mentioned in the first part of this study, this is a shallow dive, and it's just the beginning. I do hope that our review today helps us to ALL unlock more of the mysteries within the unseen world, as we learn to put these concepts into practice into our daily lives. I'm sure we will return to this episode in the future, but this is where we will start our journey today. We'll review what we learned in PART1 and PART 2, preparing us for this exciting journey of our mind, with PART 3 today, where we'll put it all into action, with something we want to achieve in our own life. Welcome back to The Neuroscience Meets Social and Emotional Learning Podcast, where we connect the science-based evidence behind social and emotional learning (that's finally being taught in our schools today) and emotional intelligence training (used in our modern workplaces) for improved well-being, achievement, productivity and results—using what I saw as the missing link (since we weren't taught this when we were growing up in school), the application of practical neuroscience. I'm Andrea Samadi, an author, and an educator with a passion for learning and launched this podcast 5 years ago with the goal of bringing ALL the leading experts together (in one place) to uncover the most current research that would back up how the brain. For those tuning into this episode, and you've not listened to PART 1 EP 306[i] yet, or PART 2 EP 310[ii]  I do encourage you to begin there. You will learn the background of where I first learned about Dr. Joe Dispenza's work, and see how he fits into what we've been covering on the podcast the past 10 seasons. For today's episode #311 “Decoding Our Thoughts: How to Build a Better Future with the Power of Our Mind” and PART 3 of our review of Dr. Joe Dispenza's work we'll pick up where we left off with the importance of living in the present moment, mental rehearsal, and priming our brain AND body for a new future. We recall the importance of creating an elevated emotion that helps to develop a coherent heart, combined with a clear intention that develops a coherent brain, creating a magnetic field that projects beyond our body to be used for ourselves and others. And before you think I'm completely crazy, which I know is possible, as I'm reading what I'm writing, it does sound crazy, or a bit off the wall, but scientists like Dr. Konstantin Korotkov[iii] have been measuring these energy fields around the body with technology that can accurately pick up the physical health of our body and mind in an instant, pinpointing any areas of concern, and changing the way we approach our mental health and wellness in the future. Next we will take all of this deep back knowledge and move into Chapter 3 of Becoming Supernatural, that he calls “Tuning into New Potentials in the Quantum” and see how we can all use it in our daily lives. I know we've talked about this Quantum World through Dr. Dispenza's work that exists when “you take your attention off objects in your physical environment” and “take your attention off linear time (which has a past and a future) and “you are (now) in the present moment, in which all possibilities in the quantum field exist.” (Ch 3, Becoming Supernatural).  I hand drew what this looks like with the “Predictable Timeline” from Chapter 2 of Becoming Superhuman to show the importance of being in the present moment for accessing something NEW we want to create in our life. IMAGE CREDIT: Andrea hand drew the image from Chapter 2 Becoming Superhuman WHAT IS QUANTUM THEORY? Before I even start to explain this, I've got to say that explaining this concept has been on my mind since first launching this podcast back in 2019. Over the years I've heard of this idea in many different ways, so when interviewing certain speakers, my goal was always to connect the science to this concept of “another world” where ALL possibilities exit that just seems flat out crazy. But I heard it over and over again. The same idea, explained slightly differently in different books, through different people, in a slightly different way. Each person added to my understanding, but it's been a process for me to connect each person's definition, and put it into practice in my own life. What IS the Quantum World? 2018 Dr. Daniel Siegel Aware[iv]: The Science and Practice of Presence I went a very long time not completely understanding this idea of Quantum Theory or The Quantum World that Dr. Dispenza writes about beautifully in Chapter 3. Dr. Dispenza became well known with a movie he produced, explaining this concept in a unique way, in the early 2000s but the movie was labelled as pseudoscience because I don't think that the science had caught up to his level of thinking. I admire Dr. Dispenza for pushing past this time, as the science eventually caught up to him and then he met Dr. Korotkov and was finally able to measure what he knew to be true with GDV technology, and with other tools, that he talks about in his book. But over the years I wondered “What is this Quantum World and how can I access it to create these unforeseen events in my own life?” Then I heard it from someone who I knew had the scientific background to bring credibility to this idea! I was on a webinar with Dr. Dan Siegel in 2018, and I heard him explaining this concept I knew to be called The Quantum Field or Quantum Theory through his Wheel of Awareness Meditation[v].  Right then and there, I knew I had to interview Dr. Siegel and learn more about what he was saying. I'm beyond grateful he said yes as one of our early interviews, episode #28[vi]. He could have looked at our episode count and think we weren't a popular enough show (as we were in the beginning stages with this podcast) but not Dan Siegel. He's connected to this plane of consciousness and brings credibility to anyone who talks about it with his background, research and deep knowledge of looking at the world through a scientific lens. I think he knew on some level that his work would unlock something for more than just my level of thinking, (but for all those who would tune in over the years) as this is how this World (or Plane) of Possibility really works. He says…   Dr. Siegel says that “physics has demonstrated that we have 2 realms in the physical universe—and this is not commonly known” when he explains what happens to us at different parts of his Wheel of Awareness practice. We did a deep dive into this meditation practice, as it was the first time I saw something designed to help us to access and navigate into this 2nd world, using our mind on EP 60[vii] on “The Science Behind a Meditation Practice: A Deep Dive into Dr. Dan Siegel's Wheel of Awareness Meditation” where I focused on some of the benefits I noticed personally from practicing his meditation daily, like an increased focused attention, a stronger interoceptive sense, an increased connection to people around the world, and then I said “there is more we can say on this topic and that I know with time, practice and as my own awareness increases, I will have a deeper understanding of the Wheel of Awareness.” I put an image of how Dr. Siegel would describe this State of Mind where we tap into this “other” plane of awareness, through meditation. I knew looking at this diagram in 2019 that Dr. Siegel was explaining something I was still trying to understand myself. During our interview, Dr. Siegel asked me “what have you noticed through practicing The Wheel of Awareness” and looking back now, I know what he was asking. He wrote his book Aware in 2018, a year before our interview. He wanted to know how aware I was. I answered from the point of view of someone who has been using his meditation, but with continued practice, this other world (a second world) opens up, and this is where the fun begins. My answer to him showed him I had not yet arrived at this new world of possibility. When I interviewed my mentor, and speaker Bob Proctor, on EP 66[viii], and asked him if he knew of Dr. Dan Siegel's work, I was trying to connect what I had heard Proctor say over and over again, to the world of science, but Proctor covered this answer by talking about how we all live in a physical body, and with the power of thought, we can “tap into” the spiritual world and create ideas (or beautiful castles) that he would almost pull from the sky. While watching Proctor speaking, I always wondered, where is his mind going? What is this “spiritual” world he is accessing, where anything we want is within our grasp? Proctor would ask you to tell him “what's the MOST money you've ever earned in a year” to see how aware we were. He would say that there was no difference in earning $50,000/year vs $50 million, just the awareness of how to do it. So since working with Proctor in the late 1990s, this question was always in the back of my mind. What is this world he's going to where all possibilities exist? I could see him pulling ideas from the sky when he was speaking, and I knew it mattered what thoughts I was thinking, the actions I was taking. We heard about the principles from Napoleon Hill's Classic Think and Grow Rich many times, especially this point that: “Any idea that is held in the mind that is either feared or revered will, begin at once to clothe itself in the most convenient and appropriate physical forms available.” Andrew Carnegie I knew it was important what we think and especially that we always keep a positive mindset but I couldn't explain why this was true, scientifically to anyone, until I began to connect different people's explanation of “Quantum Theory”, or “The Plane of Possibility”, or “The Sea of Potential” all in one place.  WHAT IS THIS OTHER REALM? Every year, I like to pick a well-known, popular book, preferably one that I have studied for years, and have years of notes taken that I can share on the podcast, like we did with the popular Think and Grow Rich[ix] series, or the most popular Silva Method[x] series.  But I've held off covering the popular book The Science of Getting Rich by Wallace D. Wattles which was a seminar I sold in the late 1990s, because I knew I would have to explain Wattles' version of Quantum Theory that's in EVERY chapter of his book.  Wattles' Science of Getting Rich book directly focused on using this space to earn money, and his work goes like this. He says: “There is a thinking stuff from which all things are made, and which in its original state, permeates, penetrates and fills the interspaces of the universe. A thought in this substance produces the thing that is imaged by the thought. A person can form things in their thought, and by impressing their thoughts upon the formless substance, can cause the thing they think about to be created.” (Wallace D. Wattles). I'm not kidding, we used to read this passage at seminars, out loud, and I would be thinking “what the heck is he talking about? What is this thinking stuff from which ALL things are made?” I sold this seminar, and had no idea what the main point of it was about. While picking books to cover, this one (with a whole briefcase of notes attached to it) was thrown back into the back of my closet. I thought “there is no way I was ever going to cover this concept on a podcast designed to connect the most current brain research to help us to all improve our lives, with evidence-based strategies” until I started to see this concept show up in the work of reputable scientists like we've seen with Dr. Siegel. I've always had these concepts in the back of my mind, (that I saw working over and over again the seminar industry) or over the years since this time, that I wanted to connect science to, (like Dr. Dispenza ended up doing so well) so that we could ALL advance ourselves forward personally and professionally. These were age-old principles that I knew to be true, (I saw them working over and over again) but I just couldn't explain WHY they were true. Until I read Chapter 3 of Dr. Dispenza's Becoming Supernatural. It was within these pages that I learned that the best way to understand this “quantum” world was to experience it. We must now put chapters 1 and 2 into practice, and this takes time. TUNING INTO NEW POTENTIALS IN THE QUANTUM Dr. Dispenza reminds us to go back to the first two chapters where we practiced opening up to this idea of Becoming Supernatural, then learning to access the present moment, elevating our emotions, using mental rehearsal to prime our mind and body…and now we are ready to step into this Quantum World, where all possibilities exit, to create something new. An unknown event. It's here that we stay on the surface with our dive. If you want to go deeper, read Chapter 3 in detail. I'm not a neuroscientist, or scientist, so explaining the science behind this is not my strength. I just need to know it's there. If you need more science before moving forward, it's there in Chapter 3 of Dr. Dispenza's book, as well, you can find it in Dr. Daniel Siegel's book Aware.  But if you are like me, and just want to practice this now, let's do it. PUTTING CH 3 INTO PRACTICE: ACCESSING THE QUANTUM WORLD Let's walk into the Quantum World together, and see HOW we can create an unknown event in our future.  Something that you might want personally or professionally. Or even something with your health. STEP 1: DROP INTO THE PRESENT MOMENT: AND OPEN THE DOORWAY TO THE QUANTUM WORLD Accessing the Quantum World begins the minute you STOP and get yourself into the present moment. You can do this sitting down, standing up, or any way you like, but just STOP. Accessing the present moment can occur from using Dr. Dan Siegel's Wheel of Awareness Meditation, or ANY of Dr. Dispenza's. It's also the whole point of Jose Silva's Method, where he asks you to count backwards to access this world. Find what works best for you. I had to practice a few meditations over and over again in the early morning time before being able to access the present moment during the day when needed. STEP 2: SET A CLEAR INTENTION In order to use this Plane of Possibility to CREATE something NEW in your life, you first of all must know what it is that you want to create. If you aren't sure what you want to change in your life (this might be clear to you, or it might not be) then I suggest going back to PART 1[xi] of our Think and Grow Rich book review where we looked at how to uncover what you REALLY want in your life. I mentioned that when I was in my late 20s, and was asked “What do you REALLY want?” I didn't have it all figured out back then. It's taken me a lifetime to become crystal clear with what it is that I'm supposed to be doing with my time/work/career. Take the time to figure out what it is that YOU really want, since you will trade your life for it. STEP 3: CHANGE YOUR ENERGY: ELEVATING YOUR EMOTIONS WITH YOUR CLEAR INTENTION We went deep into this idea on our last episode, but this is important for being able to develop a coherent heart, and coherent brain. We know when our brain is working right, we work right. This is why we focus on health and wellness on this podcast. Everything ties in together. Dispenza now takes this idea to a new level. When we are under stress, we will not have a coherent brain. He explains this with a diagram in his book, but you'll get the idea. In order to line up your heart and brain, you can do this by elevating your emotions. This isn't the first time I've heard of this concept. Paul Martinelli[xii] covered it in his Think and Grow Rich study when he added what he thought were two missing chapters to the book (Love and Forgiveness). He said “when you feel love, happiness, energy and clarity, you will feel your vibration shifting” which is another way of saying you are access a new level of creation, on a higher vibration. We covered this concept in depth on EP 67.[xiii] Remember that we all have energy fields surrounding us, and this is one way to expand our energy field, helping us to “tune into” whatever it is that we want to create. The key to accessing whatever it is you want to create in this “World of Possibility” is to keep our energy level high throughout. During times of high stress, our energy field will start to shrink, so it's important to stay rested, nourish our body and mind, and keep our balance (coherent brain and heart). Dr. Korotkov's technology can measure this, and Dr. Dispenza has measured people's energy fields for years. The only way I can put this idea into something visual is to think about this concept. Have you ever seen a bicycle that you must peddle in order for it to generate some other energy type (a light or a television or something?) This is the idea. In order to generate what you want in this unseen world, you must keep pedaling, keeping this energy field strong, healthy, and level of vibration high. When I asked Bob Proctor about the quantum world that Dr. Dan Siegel talks about in our interview[xiv], where there is this plane of possibility where we can create anything, Bob answered with “I believe the physical realm that we live in and the spiritual world, are all connected, like the colors of the rainbow.” When we take an idea, it comes in from spirit, hits our intellectual mind, and it's up to us whether we move it into form.  Have you ever had an idea that you thought was brilliant, and you never did anything with it, and then suddenly you see someone else has created it? That's because there is only one mind, and that we can all tap into these ideas.   This is how ALL ideas happen. They start in the mind of the person who creates it, and then after dedicated work, they hit their target, and people watching might say “Oh wow, that person is so lucky” not realizing the work that went into the attainment of the goal. There are usually years of hard work, (pedaling the bicycle) with persistence, with failures, wrong turns, course corrections, but all starting with that clear vision or idea with an end goal or target. STEP 4: BE OPEN TO WHAT YOU SEE, LEARN and UNCOVER in THE QUANTUM WORLD This last step is where the magic happens. Just be open to what you could possibly create with this NEW energy. Be Patient. This Process Takes Time. ACCESS THE PLANE OF POSSIBILITY There is no right or wrong way to access this plane of possibility. Jose Silva's program walks us through a specific method to use our mind for improving our health (or solve any problem) through a specific technique where we create three scenes. You can see my notes walking through this process in the show notes. In the first scene, we think about the problem we want to solve, (I picked neck pain) the second, we take some sort of action towards solving the problem, (I picked using ice packs and a phrase I learned from hypnotherapy to help the pain to disappear, and then a symbol of the healing. For me all healing and progress takes place at a certain spot on this mountain I hike) and the with the third scene, we imagine our life with our problem solved. (I wrote how awesome it would feel to be free of this pain in my neck)! This is one example of using this Plane of Possibility to solve a problem you have. For you: What do YOU see when you access the plane of possibility? Do you need more help getting here? Try Dr. Siegel's Wheel of Awareness Meditation, or ANY of Dr. Dispenza's meditations. Are you beginning to gain some clarity towards whatever it is that you want to solve? (a personal problem, something with your work, or something with your health?) FIND YOUR BOARD OF DIRECTORS: If you still need more help here, I highly suggest bringing a team together to help you. This is not a usual team, but a team you gather when you are in your Plane of Possibility. It can be anyone but they are the people you pick to help move your intention forward. This concept might sound strange, but even people like Greg Link[xv], who was the mastermind behind the late Dr. Stephen Covey's 7 Habits of Highly Effective People that sold over 40 million copies worldwide (surpassing the popular Think and Grow Rich book) in 40 languages used this particular strategy. A book doesn't sell 40 million copies without a unique strategy behind it, and I heard it loud and clear in our interview last Spring. Greg mentioned that he had a “board of directors” that he asked questions to. Now this is not your typical board of directors. These are brilliant minds that you bring into your Quantum World of Possibility, and ask for help when you become stuck, to give you ideas to move you forward somehow. STEP 5: TAKE NOTE OF WHAT HAPPENS AND KEEP WORKING Getting to the stage when you can at will, create something out of nothing, takes time, focus, practice and dedication. Until I saw Chapter 3 of Becoming Supernatural, I was doing these steps without really knowing what the Quantum World was. Sometimes I would create what I wanted, but I knew there was something I was missing. If I was missing something, and I've been studying this for almost 30 years now, I figured I might as well put this on the podcast, as others might also have questions around the creative process.   Sometimes you'll notice you'll be working, following these steps, and nothing happens and you might think “what a ridiculous idea this is” but when you get to this point, I suggest going back to the meditations (whether you pick Dr. Dispenza's or Dr. Siegel's, or someone else's) and go back to STEP 1, practicing dropping into the present moment. When I'm stuck, I know this is the beginning step to return to. REVIEW AND CONCLUSION: To review and conclude episode #311 “Decoding Our Thoughts: How to Build a Better Future with the Power of Our Mind” and PART 3 of our review of Dr. Joe Dispenza's work, we covered Chapter 3 of his book, and reviewed 5 IMPORTANT STEPS TO TAKE WHEN ACCESSING THE QUANTUM WORLD. STEP 1: DROP INTO THE PRESENT MOMENT: AND OPEN THE DOORWAY TO THE QUANTUM WORLD: Remember to keep an open mind here as the strategies we are covering, of Becoming Supernatural, and experiencing exceptional results, are not commonly known. Dr. Dan Siegel connects to the science to this plane of possibility in his book, Aware (2018) and says “physics has demonstrated that we have 2 realms in our physical universe—and this is not commonly known.” STEP 2: SET A CLEAR INTENTION: Know what it is that you want to work on or solve. If you are not sure what this is, go back to PART 1 of our Think and Grow Rich book study where we cover this in depth. STEP 3: CHANGE YOUR ENERGY: ELEVATING YOUR EMOTIONS WITH YOUR CLEAR INTENTION: The key to accessing whatever it is you want to create in this “World of Possibility” is to keep our energy level high throughout. When we can feel love, joy, excitement or awe, we will be keeping our energy levels high. Remember the analogy of riding a bicycle that generates a television with the energy, signifying that in order to create something, we must keep our energy levels high. STEP 4: BE OPEN TO WHAT YOU SEE, LEARN and UNCOVER: What do you see in this Plane of Possibility? Do you need more help getting here? Take your time at this step. This is where you are using your mind to create whatever is that you want. If you need more time spent in daily meditation, take this time. If you need to journal or think about what you are learning here. Take this time. STEP 5: TAKE NOTE OF WHAT HAPPENS AND KEEP WORKING Once we can get to this place, (that Dan Siegel calls the Plane of Possibility, or Dr. Dispenza calls The Quantum World) from dropping into the present moment, we've mentally rehearsed the future we want to create, (or our intention) we've embraced emotions (like joy, peace, appreciation, awe and love) in our heart, and our heart and brain have now gained coherence, then we WATCH for it. This is where it happens. WHAT you create here is entirely up to you. We can ALL connect to this quantum field, where all possibility exists, where time and space collapses and we can literally BECOME our intention. Over time, and with practice, these steps become easier and easier, and we can work on ourselves to improve our personal lives, our health, our professional lives, and even expand our capacity to do this for others in the world. I don't know about you, but this is mind-boggling learning. I'll close with the quote I opened up our most downloaded episode with, The Silva Method, from Jose Silva who says that “once we learn to use our mind to train it, it will do some astounding things for us, as you will soon see.” Jose Silva (August 11, 1914-February 7, 1999) author of The Silva Mind Control Method. I'll see you next week!  REFERENCES: [i] Neuroscience Meets SEL Podcast EPISODE #306 “Decoding Our Thoughts: How to Build a Better Future with Power of Our Mind” PART 1  https://andreasamadi.podbean.com/e/decoding-our-thoughts-how-to-build-a-better-future-with-the-power-of-our-mind/ [ii]Neuroscience Meets SEL Podcast EPISODE #310 “Decoding Our Thoughts: How to Build a Better Future with Power of Our Mind” PART 2   https://andreasamadi.podbean.com/e/decoding-our-thoughts-how-to-build-a-better-future-with-the-power-of-our-mind-part-2-review-of-dr-joe-dispenza-s-work/ [iii]Neuroscience Meets SEL Podcast EPISODE #307 with Dr. Konstantin Korotkov https://andreasamadi.podbean.com/e/dr-konstantinkorotkov-on-bridging-thespiritualworld-with-rigorousscientific-method-methodtappingintothe-powerof-our-thoughtsenergy-fieldsandlimitless/ [iv] Dr. Dan Siegel Aware: The Science and Practice of Presence August 21, 2018 https://www.amazon.com/Aware-Practice-Presence-Groundbreaking-Meditation/dp/1101993049 [v] https://www.drdansiegel.com/resources/wheel_of_awareness/ [vi] Neuroscience Meets SEL Podcast EPISODE #28 with Dr. Dan Siegel on Mindsight: The Basis for Social and Emotional Intelligence  https://andreasamadi.podbean.com/e/clinical-professor-of-psychiatry-at-the-ucla-school-of-medicine-dr-daniel-siegel-on-mindsight-the-basis-for-social-and-emotional-intelligence/ [vii]Neuroscience Meets SEL Podcast EPISODE #60 on “The Science Behind a Meditation Practice: A Deep Dive into Dr. Dan Siegel's Wheel of Awareness Meditation” https://andreasamadi.podbean.com/e/the-science-behind-a-meditation-practice-with-a-deep-dive-into-dr-dan-siegel-s-wheel-of-awareness/ [viii] Neuroscience Meets SEL Podcast EPISODE #66 The Legendary Bob Proctor on “Social and Emotional Learning: Where it All Started” https://andreasamadi.podbean.com/e/the-legendary-bob-proctor-on/ [ix] Think and Grow Rich Book Review: A 6 PART SERIES Neuroscience Meets Social and Emotional Learning Podcast EPISODE #190 PART 1 “Making 2022 Your Best Year Ever”  https://andreasamadi.podbean.com/e/think-and-grow-rich-book-review-part-1-how-to-make-2022-your-best-year-ever/ Neuroscience Meets Social and Emotional Learning Podcast EPISODE #191 PART 2 on “Thinking Differently and Choosing Faith Over Fear”  https://andreasamadi.podbean.com/e/think-and-grow-rich-book-review-part-2-how-to-make-2022-your-best-year-ever-by-thinking-differently-and-choosing-faith-over-fear/ Neuroscience Meets Social and Emotional Learning Podcast EPISODE #193 PART 3 on “Putting Our Goals on Autopilot with Autosuggestion and Our Imagination”   https://andreasamadi.podbean.com/e/think-and-grow-rich-book-review-part-3-using-autosuggestion-and-your-imagination-to-put-your-goals-on-autopilot/ Neuroscience Meets Social and Emotional Learning Podcast EPISODE #194 PART 4 on “Perfecting the Skills of Organized Planning, Decision-Making, and Persistence” https://andreasamadi.podbean.com/e/think-and-grow-rich-book-review-part-4-on-perfecting-the-skills-of-organized-planning-decision-making-and-persistence/ Neuroscience Meets Social and Emotional Learning Podcast EPISODE #195 PART 5 on “The Power of the Mastermind, Taking the Mystery Out of Sex Transmutation, and Linking ALL Parts of the Mind” https://andreasamadi.podbean.com/e/think-and-grow-rich-book-review-part-5-on-the-power-of-the-mastermind-taking-the-mystery-out-of-sex-transmutation-and-linking-all-parts-of-our-mind/ Neuroscience Meets Social and Emotional Learning Podcast EPISODE #196 PART 6 https://andreasamadi.podbean.com/e/the-neuroscience-behind-the-15-success-principles-of-napoleon-hill-s-classic-boo-think-and-grow-rich/ [x] The Silva Method Book Review: A 4 PART SERIES Neuroscience Meets Social and Emotional Learning Podcast EPISODE #261 PART 1 https://andreasamadi.podbean.com/e/a-deep-dive-with-andrea-samadi-into-applying-the-silva-method-for-improved-intuition-creativity-and-focus-part-1/ Neuroscience Meets Social and Emotional Learning Podcast EPISODE #262 PART 2 https://andreasamadi.podbean.com/e/a-deep-dive-with-andrea-samadi-into-applying-the-silva-method-for-improved-intuition-creativity-and-focus-part-2/ Neuroscience Meets Social and Emotional Learning Podcast EPISODE #264 PART 3 https://andreasamadi.podbean.com/e/a-deep-dive-with-andrea-samadi-into-applying-the-silva-method-speed-learning-and-creative-sleep-part-3/ Neuroscience Meets Social and Emotional Learning Podcast EPISODE #265 PART 4 https://andreasamadi.podbean.com/e/the-neuroscience-behind-the-silva-method-improving-creativity-and-innovation-in-our-schools-sports-and-modern-workplaces/ [xi] Neuroscience Meets Social and Emotional Learning Podcast EPISODE #190 PART 1 “Making 2022 Your Best Year Ever”  https://andreasamadi.podbean.com/e/think-and-grow-rich-book-review-part-1-how-to-make-2022-your-best-year-ever/ [xii] https://paulmartinelli.net/ [xiii]Neuroscience Meets Social and Emotional Learning Podcast EPISODE #67  on Expanding our Awareness https://andreasamadi.podbean.com/e/expanding-your-awareness-with-a-deep-dive-into-bob-proctors-most-powerful-seminars/ [xiv] Neuroscience Meets Social and Emotional Learning Podcast EPISODE #28 with Dr. Daniel Siegel on “Mindsight: The Basis for Social and Emotional Learning” https://andreasamadi.podbean.com/e/clinical-professor-of-psychiatry-at-the-ucla-school-of-medicine-dr-daniel-siegel-on-mindsight-the-basis-for-social-and-emotional-intelligence/ [xv] Neuroscience Meets Social and Emotional Learning Podcast EPISODE #207 with Greg Link, on Unleashing Gretness with Neuroscience, SEL, Trust and the 7 Habits” https://andreasamadi.podbean.com/e/co-founder-of-coveylink-greg-link-on-unleashing-greatness-with-neuroscience-sel-trust-and-the-7-habits/  

In this Deals, Deals, Deals Podcast Series, we go Behind the Scenes on some of the UK's most Creative, Lucrative and Award-Winning Deals

“As the acceptance of expanded human potential gains mainstream momentum, the question has shifted from “What is possible in our lives?” to “How do we do it? How do we awaken our extraordinary potential in everyday life?” Welcome to PART 2 of our review of Dr. Joe Dispenza's work. On today's EPISODE #310 on "Decoding Our Thoughts: How to Build a Better Future with the Power of Our Mind" and PART 2 of our Review of Dr. Joe Dispenza's work, we will cover:  ✔ 3 Important Concepts in Dr. Joe Dispenza's book,  Becoming Supernatural that have the ability to change YOUR life, when implemented. IMPORTANT CONCEPT 1:  Accessing the Present Moment IMPORTANT CONCEPT 2:  Mental Rehearsal: Priming Your Body for a New Future IMPORTANT CONCEPT 3:  Elevated Emotion ✔ What science has to say about these timeless success principles? ✔ Strategies to IMPLEMENT these principles into our daily life for improved results. ✔ How to use our emotions FOR us, rather than AGAINST us. ✔ Why we must continue to learn more about WHO WE ARE for improved results ✔ How METACOGNITION (and our awareness of how we think, act and feel) creates AHA Moments of Learning in our daily life.  Today we will continue our exploration of how exactly we live up to the full potential we all have within us, or like the name of Joe Dispenza's book, Becoming Supernatural: How Common People are Doing the Uncommon. Today as we cover PART 2 of this exploration we will identify clear strategies to awaken the extraordinary potential in each of us, and these will be evidence-based strtegies, that are proven with science.  Becoming Supernatural, is the first-of-its-kind manual that does precisely this: it leads us on a step-by-step journey to achieving our greatest potential in body, health, relationships, and our life purpose and allows us to make that journey at our own pace. We only cover ideas and concepts on this podcast that have the potential to change our lives, and I'm on a mission to connect the most current brain research to concepts that have been taught successfully to students for centuries, connecting the science to these age-old success principles. This book study has taken me some time to think, and consolidate what I'm learning since we released PART 1 the end of September. I needed this time to put Dr. Dispenza's ideas and meditations into practice, and have spent the past month immersed in his teachings. As mentioned in the first part of this study, this is a shallow dive, and is just the beginning. I do hope that our review today helps us to ALL unlock more of the mysteries within the unseen world, as we learn to put these concepts into practice in our daily life. I'm sure we will return to this episode in the future, but this is where we will start our journey today. Welcome back to The Neuroscience Meets Social and Emotional Learning Podcast, where we connect the science-based evidence behind social and emotional learning (that's finally being taught in our schools today) and emotional intelligence training (used in our modern workplaces) for improved well-being, achievement, productivity and results—using what I saw as the missing link (since we weren't taught this when we were growing up in school), the application of practical neuroscience. I'm Andrea Samadi, an author, and an educator with a passion for learning and launched this podcast 5 years ago with the goal of bringing ALL the leading experts together (in one place) to uncover the most current research that would back up how the brain learns best, taking us ALL to new, and often unimaginable heights.    For those tuning into this episode, and you've not listened to EP 306[i] yet, I do encourage you to begin there. You will learn the background of where I first heard of Dr. Joe Dispenza, and how I was forbidden to cover his work on this podcast, since my neuroscience certification coach, researcher Mark Waldman, would consider his work pseudoscience. We covered how even Dr. Joe Dispenza himself used to worry about what other people in the scientific community thought of him, until he stopped. He said this himself at the start of Becoming Supernatural[ii] reminding me of the importance of always being your true, authentic self, and NEVER worry about those who criticize your work. He said: Until he saw how much of his “vital” energy he was wasting and went on to study with full force, a world that modern science hasn't been able to explain, how regular “common” people, like you and me, are actually doing the “uncommon.” Who is Dr. Dispenza? He's a doctor, a scientist, and a modern-day mystic who draws from diverse fields of rock-solid science, such as epigenetics, molecular biology, neurocardiology, and quantum physics, crossing the traditional boundaries that have separated scientific thinking and human experience in the past. In this process he opens the door to a new paradigm of empowerment—a new way of thinking and living based upon what we sense is possible in our lives, as well as what we accept as scientific fact. In PART 1 of our review of Becoming Supernatural, I shared that I had my own questions about Dr. Dispenza's work, especially after hearing about some of the results people were attaining during and after his seminars. Over the years, I would stop and listen to Joe Dispenza's work, remembering how he measured people's brains BEFORE his events, and then AFTER, and while I would say that to all the questions I had about his work, I knew the answers were a solid “YES” I just wondered what the research said. Can our current, present day thoughts impact our future? Can we impact our own health (and results for that matter) purely by what we think? Can my energy influence another person, and can someone else's energy influence mine? Can someone's energy be felt? Can our energy field be seen? “YES,  was the answer to each question, but how” I always wondered. While researching the tools that Dr. Dispenza used to measure participants' brains at his seminars, I came across one tool he called Gas Discharge Visualization, that I had heard of from someone who works in Singapore, connected to Bruce Lipton Ph.D , who is a cell biologist and leading authority in epigenetics.[iii] We'll cover Bruce Lipton's work at a later date, but it was this GDV tool that led me to the fascinating work of Dr. Konstantin Korotkov, that we covered on EP 307[iv], providing us with some answers to my questions of HOW and WHAT Dr. Dispenza was using to measure people's brains with at his events. As I said in PART 1 of this review of Dr. Dispenza's work, this is a shallow dive, not a deep one, that will just begin to scratch the surface of what it means for us to become Superhuman, and stretch ourselves beyond where our minds may never have travelled to before. Dr. Dispenza has made scientific history[v] with his findings (measuring HRV, or the energy around people's bodies) and his most recent breakthrough in scientific research includes his team's research paper that shows Meditations Impact on Immunity.[vi] I want to focus today on this particular angle with this groundbreaking research because my work with neuroscience began looking at the impact of stress on our brain as it relates to learning. You can go through some of our earlier episodes with Dr. Bruce Perry, or Dr. Lori Desautels, but what I'm most interested in today, that you can see with the direction of our podcast episodes since the Pandemic, is what we can do to mitigate the impact of stress on our health, wellbeing and longevity, in addition to creating the highest performing, 2.0 versions of ourselves. So for today's episode #310 “Decoding Our Thoughts: How to Build a Better Future with the Power of Our Mind” and PART 2 of our review of Dr. Joe Dispenza's work, we will pick up where we left off with Chapter 2 of Becoming Supernatural and look at how exactly a stressful situation can hurt us (mentally, physically and emotionally) or NOT. Chapter 2: The Present Moment We know that the way a person thinks and feels creates a person's state of well-being. We know this can be scientifically proven by Dr. Korotkov's GDV technology just by measuring the energy field of our finger tips and he can with accuracy, tell us what's going on inside that person's body (emotionally, psychologically) and then determine our relationship with this inner state to the outer world. Or in other words, what we THINK, on the inside, will show up on the outside. Dr. Korotkov explained that even animals respond to our thoughts, and know when we are approachable, or not, the minute we walk in through the front door of our homes. Why Do Our Emotions and Our Thoughts Matter? What exactly is it that our pets are sensing? This is where the iceberg model comes back into play. We could be consciously walking through the doorway, with the 5% of what's going on in our conscious mind radiating out to the world, but the 95% of what's going on under the iceberg, our unconscious habits, hardwired attitudes, behaviors, beliefs, perceptions, all functioning automatically, and that's what our pets are picking up. We dove deep into our conscious mind and our five senses on EP 293[vii] (looking the 5% of ourselves that can be seen and felt with our senses, and then what's beyond our five senses on EP #294[viii] looking into the faculties of our mind, and what's beneath the surface of the iceberg, or what's going on beyond our 5 senses. The difficult part, or the part where most of us become stuck, is HOW on the earth do we see what's happening in our subconscious mind, the part of us that's controlling 95% of who we are and what we do, if it's ALL under water, so to speak? LISTEN HERE…THIS IS THE KEY TO THIS WHOLE EPISODE Dr. Dispenza explains how an emotion hits our body (through our life situations-call whatever it may be), and causes some sort of emotional reaction. Maybe something happens to you in your personal life, and you hold negative emotions towards your ex-relationship, or it could be something in your work life, or it something random happens to you that changes your personality (puts you in a mood first, and over time changes your personality).  He says that we must learn to “shorten the refractory period of an emotional reaction” which is really where the work starts. What does this mean? So something happens to us, (and it will, no one is immune from life's situations unless we live and a cave) and we want to complain about it to everyone we know. We were wronged in some way. It feels horrible, trust me, I know! BUT resist doing this. Since we know from Dr. Korotkov's GDV tool, that our thoughts matter, we must be VERY careful about the thoughts we think. I'm not saying that we pretend something doesn't bother us, but listen to what Dr. Dispenza says. We must learn to “shorten the refractory period of our emotional reactions” because otherwise, we will repeat that same story over and over again in our head, and every time we do this, we flood our body with the same chemicals that were flooding our body when this event occurred, and since our body “is the unconscious mind, and doesn't know the difference between the experience that's creating the emotion (from the past) and the emotion you are creating through thought alone (in the present)”[ix] so in order to change our FUTURE results, we must to break this hard-wired programming. This is not easy, but it's the SECRET to changing your results in the future. If we look at the image in the show notes that I hand drew from Chapter 2 of Becoming Supernatural, you will see that if we cannot change, and break our hard-wired programming, we will re-create our past experiences into our future, and prevent us from EVER hitting that unknown event (whatever it might be-a new job, or unexpected experience) or something that could possibly take us to new heights. IMAGE CREDIT: Andrea hand drew the image from Chapter 2 Becoming Superhuman WHY IS CHANGE SO DIFFICULT? It's because it's uncomfortable and unfamiliar. It's always easy to blame someone else for your results, or a situation, but to take responsibility for it, let it go, and move forward, well that's not as easy. We are working with the 95% of us that's hidden under water here. These patterns and beliefs are hard-wired into our brain, so they are not easy to break. HOW EXACTLY DO WE STOP OUR PATTERNS AND PAST BEHAVIORS? We do this by staying in the present moment (which is the whole idea of Chapter 2) and STOP the thoughts and emotions that went along with whatever it was that happened to us. That emotional event that changed you somehow. This will stop your pattern of thinking. It's here that I bring in a diagram on Metacognition that I created in 2014 adapted from Dr. Newberg and Mark Waldman's “Spectrum of Human Consciousness Model.”  When we become consciously aware of how we think, act and feel, this is Metacognition and where we create AHA Moments of learning in our lives. Start at the bottom of the diagram: Instinctive Learning: Do you know yourself? Are you aware of the thoughts, feelings and actions you are having that might be keeping you stuck somewhere? If you've never explored this area, Hazel Gale's work from EP #308[x] is a good place to begin. Habitual Learning: Can you CHANGE the way you are used to thinking and feeling? Do something differently? Move forward instead of getting stuck? Intentional Learning: Can you set a goal to CHANGE something, and make this change stick? Instead of blaming someone for your results, take responsibility and move forward somehow? Creative Learning: Can you use meditation (which actually means to become familiar with thyself) to find some answers, learn something new, give you a new angle of outlook on your life? AHA Moment: What knowledge about yourself can you glean here? Did you see something NEW? Learn a new idea? Did you write it down and take action on it?  Jack Canfield would call this taking “inspired” action. This is METACOGNITION and is the key to peeling back the onion layers of yourself, and help you to deepen your understanding of who you are.   PUTTING THIS INTO ACTION: Chapter 2 Living in the Present Moment Remember it's not going to be easy. START WITH INSTINCTIVE LEARNING: THE FIRST STEP IN THE METACOGNTION DIAGRAM KNOW THYSELF: What happened to you? So something happened to us in our life (some sort of event) that caused an emotional reaction within us. This can be ANYTHING. If I think back to past guests, I know that my colleague Grace Reynolds[xi] experienced significant trauma in her life as a child (an event) that changed her life, until she did the hard work to heal herself from her traumatic life experiences.  This is now her life's work. I also can never forget Hans Appel[xii], a school counselor whose book, Award Winning Culture took off in schools across the country.  I remember while reading Hans' book, it was in the first few pages that he mentioned how he had a difficult childhood, and he talked about how the sound of his back door opening after school would make his skin crawl as he remembered the trauma that would occur for him in his life after school, urging him to spend more and more time at school, away from home. This is also now Hans' life's work to help others through traumatic events. These are two extreme cases an event that caused trauma, but an event could be anything that takes you from a positive, creative state of being (where our immune system functions well) to a stressful state of being, that we know scientifically down regulates certain genes and creates disease in our body. PRACTICE STAYING IN THE PRESENT MOMENT This will prevent us from unconsciously slipping back into our OLD self. Dr. Dispenza does have meditations[xiii] that can assist with staying present, and with time, helping us to automatically live in the present moment, and shortening that “refractive period” of the emotional experiences that happen to us. BEFORE I sent ANY of you to Dr. Dispenza's website, I have to say that I first found out about his meditations by chance. After our episode of HRV[xiv], someone (a male) wrote to me on social media that he had raised his HRV significantly with Dr. Dispenza's “Courageous Heart Meditation.” We will talk about the benefits of this meditation a bit later, but I have to tell you here that I looked up this meditation, and listened to it, and thought “there is NO way I could ever listen to that!” It was so far away from what I was used to with Vishen Lakiani's calm and quiet voice, or Dan Siegel's Wheel of Awareness. This meditation opens up like a lion roaring, with this voice, (Joe Dispenza) yelling at me to “sit down, and open my heart.” The first time I listened to it, I turned it off after probably 30 seconds. This would not relax me, but stress me out. It wasn't until I understood the purpose of the meditation and what it was actually designed for (to help men to open their hearts that I was finally open enough to begin listening to this meditation, and some others, every day, to finally see their benefits that has to do with developing a coherent heart and brain. Go to Joe Dispenza's website and check out his mediations for yourself. https://drjoedispenza.com/ Over time, and some introspection, I promise you will begin to see yourself in a whole new light which is the meaning behind the word “meditation” which means to “know thyself.” This brings us to the next concept I think is important to note with Becoming Supernatural. Chapter 2:  Mental Rehearsal: Priming Your Body for a New Future So what happens to the health of our body if we have an “event” in our life that causes us to have some sort of negative, emotional charge? Dr. Dispenza explains the need of “staying in the present moment” and recognizing when something could possibly impact our future (health or results) with his interview with Tom Bilyeu[xv]. If our thinking creates our environment (Bob Proctor would say “our thoughts, feelings and actions would determine our results or our conditions, circumstances and environments.”) then in order to change something we don't like, we have to either change our thinking, or change our environment, to get new results. Wayne Dyer would say “if you change the way you look at things, the things you look at change.” MENTAL REHEARSAL: There are many examples in Dr. Dispenza's book of people who changed their health, purely by changing their thoughts. I've heard of many people over the years who have used “mental rehearsal” to heal their bodies and keep them strong in the future. My Mom shared with me that she did this when she was diagnosed with Uterine Cancer, we talked about this in our Review of The Silva Method, and I heard woman's story[xvi] that I'll link in the show notes that's by far the most compelling story I've ever heard. She healed her body from watching Dr. Dispenza on Tom Bilyeu's interview we mentioned above. IMAGE CREDIT: Andrea hand drew the image from Chapter 2 Becoming Superhuman PUTTING THIS INTO PRACTICE: I asked Dr. Korotkov at the end of EP 307 what he thinks we should all be doing, every day, to raise our own vibration/consciousness as well as the collective consciousness of those around the world, and I'll never forget his answer. He said that we should find a way to balance our chakras, and said there are many meditations out there (Joe Dispenza, or search on the internet).  This is the very first step towards balancing our mind, body and spirit and move towards to the many known benefits that daily meditation provides. START WITH INSTINCTIVE LEARNING: THE FIRST STEP IN THE METACOGNTION DIAGRAM Do you know yourself? When you are meditating are you learning something about yourself? Do you notice anything happening? Can you notice ANY benefits from your practice? This was the reason why I decided to cover The Silva Method[xvii] on our podcast, because I wanted to take my meditation practice to new heights. Then learn from the work that Dr. Dispenza has done over the years. He reminds us: Protect yourself from the harmful effects of stress on your body. Imagine your energy field shrinking when you are living in survival mode, and find a way to the other side. Meditation alone can be the answer to helping you back towards health. Since Dr. Dispenza has measured so many participants with the effects of his meditations, I would have to say that I highly recommend them, especially after noticing what they have done to help me personally while listening to them. All Chapters: Elevated Emotion This last concept I noticed the most after listening to Dr. Dispenza's meditations for some time. He says that “they recorded amazing changes in HRV (heart rate variability) which is what that person told me on social media. Dispenza says “this is when we know a student is opening their heart and maintaining elevated emotions like gratitude, inspiration, joy, kindness, appreciation and compassion, which cause the heart to beat in a coherent fashion—that is with rhythm, order and balance.”  This is the important part. I think we can all say it's important to be happy, and joyful (rather than dwelling on the negative parts of our day) but it also “takes a clear intention, (a coherent brain) AND an elevated emotion (a coherent heart) to begin to change a person's biology from living in the past to living in the future.” There is clear evidence that we are “bound by an invisible field of light” (Dispenza) and have tremendous power that can influence ourselves and others. Dr. Dispenza was measuring the internal changes with his tools and this “feedback” was letting that person know they were on the right track and should keep doing what they were doing.  We learned all about neurofeedback on our last episode with Dianne Kosto. When you create heart coherence, your heart (he says) “creates a magnetic field that projects beyond your body.” What you DO with this energy is important. You can use it for yourself (whatever it is you are working on) or you can project it out in the world to help others. PUTTING THIS INTO PRACTICE: I wouldn't go anywhere other than the Courageous Heart Meditation[xviii] to elevate your emotions. You can find this meditation on YouTube, but if you find the ads distracting, just buy it for $25 from Dr. Dispenza's website. You'll access 37 minutes of pure bliss every day, that will help you to tune into love, joy, kindness and compassion. You'll change your world, as well as add to the collective consciousness of the rest of the world. START WITH INSTINCTIVE LEARNING: THE FIRST STEP IN THE METACOGNTION DIAGRAM Do you know yourself? As you begin to find ways to open your heart, just be open. I didn't think it would be possible to open my heart up more but I was open to what I would notice, and I know since listening to this meditation my heart has now open up to a whole new level.  Once we can get to this place, where we are in the present moment, we've mentally rehearsed the future we want to create, we've embraced emotions (like joy, peace, appreciation, and love) in our heart, our heart and brain now gain coherence, and this is where it happens, we can connect to the quantum field (where all possibility exists), where time and space collapses and you can literally BECOME your dream. REVIEW AND CONCLUSION: To review and conclude episode #310 “Decoding Our Thoughts: How to Build a Better Future with the Power of Our Mind” and PART 2 of our review of Dr. Joe Dispenza's work, we covered 3 topics and used the METACOGNITION diagram as a guide to deepen our understanding of who we are in this process. IMPORTANT CONCEPT 1: Was About Accessing the Present Moment I said that this was the most important part of this episode. We learned how an emotion hits our body (through our life situations-call it whatever it may be), and this causes some sort of emotional reaction. Maybe something happens to you in your personal life, and you hold negative emotions towards your ex-relationship, or it could be something in your work life, or something random happens to you that changes your personality (puts you in a mood first, and over time changes your personality).  We learned of the importance of shortening “the refractory period of an emotional reaction” which is really where the work starts. If we don't do this, holding in this negative emotion can impact our physical and mental health, and we know this to be scientifically true, with Dr. Korotkov's GDV technology. We learned how to protect ourselves from the harmful effects of stress on our body and imagining our energy field shrinking when we are living in survival mode. Meditation alone can be the answer to helping you back towards health and even Dr. Andrew Huberman[xix] talks about this important strategy from a purely scientific angle. We can go back to our early episode with Dr. Daniel Siegel[xx] where he talks about the healing benefits of his Wheel of Awareness Meditation that we also covered in depth on a later EP 60[xxi], The Science and Benefits Behind Dr. Siegel's Wheel of Awareness Meditation.  Just a reminder of some of the health benefits Dr. Siegel mentioned, they are RIGHT on track with Dr. Dispenza's findings. There's an integration of structure and function of the brain (integration means well-being). There's a reduction of the stress hormone cortisol. There's an enhancement of immune function. Improvement in cardiovascular risk factors. Reduction in inflammation via epigenetic changes. An optimization of telomerase—which is fascinating as it repairs and maintains the ends of chromosomes and slows aging. I'll leave it up to you with WHAT meditation tool you use, but I do highly encourage trying Dr. Dispenza's meditations, in additions to the ones I talk about often on this podcast.   IMPORTANT CONCEPT 2:  Mental Rehearsal: Priming Your Body for a New Future We learned how to protect ourselves from the harmful effects of stress on our body with the importance of being able to use mental rehearsals by imagining our energy field shrinking when we are living in survival mode, and finding a way to the other side, creating a NEW future in our mind first. We reviewed how meditation alone could be the answer to helping us back towards health, and creating a new future. We don't need to look far for the research behind this concept as it's been used for decades in the sports industry. Dr. Andrew Huberman covered it on an episode called Science-Based Mental Training and Visualization for Improved Learning[xxii] as well as his episode on How to Learn Skills Faster[xxiii] that we have covered in the past. IMPORTANT CONCEPT 3:  Elevated Emotion We learned from Dr. Dispenza, who is by far the leading expert on this concept, that a student who is opening their heart and maintaining elevated emotions like gratitude, inspiration, joy, kindness, appreciation and compassion, which causes the heart to beat in a coherent fashion creating order and balance” can take themselves to the quantum field, where ALL possibilities exist. Remember that diagram with the unforeseen event that happens in the future, it's not happening by chance or luck. I know we all know on some level that it's important to be happy, and joyful (rather than dwelling on the negative parts of our day) but it also “takes a clear intention, (a coherent brain-or the idea that if our brain is working right, then we will work right) AND an elevated emotion (a coherent heart) to begin to change a person from living in the past to living in that place where ALL possibilities exist. This is the way to create a beautiful future, and we can ALL do this, when we can learn to live these 3 important concepts on a daily basis. This last one, the only way I know how to do this, or explain this with the highest level of confidence, is through Dr. Dispenza's Courageous Heart Meditation. He explains How to Feel Elevated Emotions You've Never Felt Before[xxiv] by learning to set a clear intention (of what you want) with a heart centered emotion (gratitude, love, or joy) and know that you can CAUSE an effect in the FUTURE with the power of your intention, connected to the positive emotion you have created.  I can say that nothing I have ever experienced is like the minute I turned on the Courageous Heart Meditation. I mentioned it wasn't the first time I listened to it. It took me some time from reading Becoming Supernatural to trust that Dr. Dispenza has created something that I've never seen or felt before, and was open to trying it out.  Learning what it feels like to have a coherent heart and brain. To feel his music pulsating through me as he reminds me to “sit down” and open my heart. The love I feel while listening to this meditation is beautiful as I learn to feel with an open heart, and trust/balance my heart and brain. Only now, that I've truly started on the pathway to implementing these 3 important concepts in my daily life, am I confident that the future I envision on the screen of my mind is not only possible, but it's probable, as I watch events occur daily that most people would say are impossible, or that they are happening by chance or luck. We know this is not the case. It starts with living in the present moment (not the past) or worrying about the future but just living, mentally rehearsing the future, with elevated emotion… And then watch the magic happen.  With 100% certainty I can tell you if you can master these 3 principles on a daily basis, it will change your life, literally!  I'll close with the quote I opened up our most downloaded episode with, The Silva Method, from Jose Silva that “once we learn to use our mind to train it, it will do some astounding things for us, as you will soon see.” Jose Silva (August 11, 1914-February 7, 1999) author of The Silva Mind Control Method. RESOURCES: Being in the Present Moment Tools from Dr. Andrew Huberman https://dexa.ai/huberman?q=Present+Moment&type=example Dr. Joe Dispenza's Meditations https://drjoedispenza.com/meditations REFERENCES: [i] Neuroscience Meets SEL Podcast EPISODE #306 “Decoding Our Thoughts: How to Build a Better Future with Power of Our Mind”  https://andreasamadi.podbean.com/e/decoding-our-thoughts-how-to-build-a-better-future-with-the-power-of-our-mind/ [ii] Becoming Supernatural: How Common People are Doing the Uncommon by Dr. Joe Dispenza published March 5, 2019 https://www.google.com/search?gs_ssp=eJzj4tVP1zc0TKnILrcoq8owYPSSSkpNzs_NzEtXKC4tSC3KSywpLUrMUUjKz88GAEIPD3c&q=becoming+supernatural+book&oq=becooming+supernatueral+&aqs=chrome.1.69i57j46i13i433i512j0i13i512l7.7875j0j15&sourceid=chrome&ie=UTF-8 [iii] Bruce Lipton https://www.brucelipton.com/ [iv]Neuroscience Meets SEL Podcast EPISODE #307 “Dr. Konstantin Korotkov on Bridging the Spiritual World with Rigorous Scientfic Method”  https://andreasamadi.podbean.com/e/dr-konstantinkorotkov-on-bridging-thespiritualworld-with-rigorousscientific-method-methodtappingintothe-powerof-our-thoughtsenergy-fieldsandlimitless/ [v] Becoming Supernatural Dr. Joe Dispenza https://www.youtube.com/watch?v=Y5ICgkDPTns [vi] Dr. Dispenza's Research Meditations Impact on Immunity Published August 2023 https://drjoedispenza.com/scientific-research [vii]Neuroscience Meets SEL Podcast EPISOD# #293  https://andreasamadi.podbean.com/e/brain-fact-friday-on-our-conscious-mind-and-the-five-senses/ [viii]Neuroscience Meets SEL Podcast EPISOD# #294   https://andreasamadi.podbean.com/e/beyond-our-5-senses-understanding-and-using-the-six-higher-faculties-of-our-mind/ [ix] How to Brainwash Yourself for Success and Destroy Negative Thoughts with Dr. Joe Dispenza (Tom Bilyeu Interview) https://www.youtube.com/watch?v=La9oLLoI5Rc&t=6s [x] https://andreasamadi.podbean.com/e/the-story-of-elite-fighter-hazel-gale-from-confident-champion-to-burnout-are-you-ready-to-rebuild-yourself-from-the-inside-out/ [xi]Neuroscience Meets SEL Podcast EPISOD# #298 with Grace Reynolds  https://andreasamadi.podbean.com/e/grace-reynolds-on-mindfulness-neurocoaching-the-quickest-and-easiest-path-to-post-traumatic-growth/ [xii] Neuroscience Meets SEL Podcast EP #63 https://andreasamadi.podbean.com/e/author-hans-appel-on-building-award-winning-culture-in-your-school-or-organization/ [xiii] Dr. Joe Dispenza Present Moment Meditation https://www.youtube.com/watch?v=0-fXn1ot51s [xiv] Neuroscience Meets SEL Podcast on Heart Rate Variability The Most Important Biomarker for Tracking Health and Recovery  https://andreasamadi.podbean.com/e/brain-fact-friday-review-of-heart-rate-variability-the-most-important-biomarker-for-tracking-health-recovery-and-resilience/ [xv] How to Brainwash Yourself for Success and Destroy Negative Thoughts with Dr. Joe Dispenza (Tom Bilyeu Interview) https://www.youtube.com/watch?v=La9oLLoI5Rc&t=6s [xvi] Case Study of Becoming Supernatural https://www.youtube.com/watch?v=K7wBJ7JIQKI [xvii] Neuroscience Meets SEL Podcast on The Silva Mind Control Method https://andreasamadi.podbean.com/e/a-deep-dive-with-andrea-samadi-into-applying-the-silva-method-for-improved-intuition-creativity-and-focus-part-1/ [xviii] The Courageous Heart Meditation https://drjoedispenza.com/product-details/The%20Courageous%20Heart [xix] How to be in the moment with mindful meditation Dr. Andrew Huberman https://www.youtube.com/watch?v=ZrT17yQKhb4 [xx]Neuroscience Meets SEL Podcast with Dr. Daniel J Siegel  https://andreasamadi.podbean.com/e/clinical-professor-of-psychiatry-at-the-ucla-school-of-medicine-dr-daniel-siegel-on-mindsight-the-basis-for-social-and-emotional-intelligence/ [xxi]Neuroscience Meets SEL Podcast Review of Dr. Dan Siegel's Wheel of Awareness Meditation  https://andreasamadi.podbean.com/e/the-science-behind-a-meditation-practice-with-a-deep-dive-into-dr-dan-siegel-s-wheel-of-awareness/ [xxii]Science-Based Mental Training and Visualization for Improved Learning by Dr. Andrew Huberman  https://www.youtube.com/watch?v=0RYyQRQFgFk [xxiii] How to Learn Skills Faster by Dr. Andrew Huberman https://www.youtube.com/watch?v=xJ0IBzCjEPk [xxiv]How to Feel Elevated Emotions You've Never Felt Before https://www.youtube.com/watch?v=0kxmd7d6GPE  

“All you need is just a strong desire and you will bask in the sun in the courtyard of a French café, and in front of your eyes the icy peaks will be sparkling. You can reach this with the energy of your thoughts. “In a dream or what?”  –reader asks in surprise. “No, in reality, and achievement of the desired depends on you only.” Dr. Konstantin Korotkov, The Energy of Consciousness. Watch this interview on YouTube here https://youtu.be/nmvtN2uEvnE     On today's episode #307 with Dr. Konstantin Korotkov, we will cover: ✔  A review of EPISODE #306 and why it's important that we understand how our thoughts CAN influence others. ✔  A look back at Russian Scientist Dr. Konstantin Korotkov's career, that led him to embrace the idea that we are spiritual beings, living a human experience first and foremost. ✔ An overview of the Bio-Well Congress Conference coming this November 10th-12 in Orlando, Florida. Who is attending and how is there work important in the world. ✔ How exactly does Dr. Korotkov's work bridge the unseen spiritual world, with the rigorous and rigid world of Science? ✔ How does mental telepathy work, and how can we use it? ✔ Some of the biggest mysteries of the world Dr. Korotkov has seen with his own eyes. ✔ How he suggests we can ALL raise the consciousness of the world and live happier, more productive lives.    Welcome back to The Neuroscience Meets Social and Emotional Learning Podcast, where we connect the science-based evidence behind social and emotional learning (that's finally being taught in our schools today) and emotional intelligence training (used in our modern workplaces) for improved well-being, achievement, productivity and results—using what I saw as the missing link (since we weren't taught this when we were growing up in school), the application of practical neuroscience. I'm Andrea Samadi, an author, and an educator with a passion for learning and launched this podcast 5 years ago with the goal of bringing ALL the leading experts together (in one place) to uncover the most current research that would back up how the brain learns best, taking us ALL to new, and often unimaginable heights.    For today's episode #307, I'm beyond excited to have the opportunity to speak with Dr. Konstantin Korotkov, for many reasons that started when I found him as one of the inventors of GDV (gas discharge visualization) while researching Dr. Joe Dispenza for our last episode. I had no idea what a trip I would go on, reading his books, that took me all over the world, and into many different exciting, and mind-boggling directions. My questions for Dr. Korotkov started with the fact that we all have an energy field, we are all connected and “can influence each other.”  Konstantin Korotkov calls this electrophonics and explains its origin that goes back to 1777 in Brazil and then Russia. While I had always wondered about the science behind this technology, I had no idea what else his work would open my mind to. Here's a bit more about Dr. Korotkov's background. He's a doctor of Sciences and a Professor, working at the University of St. Petersburg, Russia. In over 40 years of scientific activity, he's published more than 300 scientific articles, 12 books, (translated into many European languages), and he holds 9 patents. In his youth, he was actively engaged in mountaineering at the Championship level in the Soviet Union. All his life, he's had a passion for travel. In the last 25 years, he has been among those who have been designing devices for gas discharge visualization (GDV– development of Kirlian effect), which allows rapid analysis of the human health condition and, in many cases, identifies the hidden causes of diseases and specific systems while revealing organs that require special attention. This technology is widely used in the world today. We briefly met Dr. Korotkov on our last episode, where I mentioned his hard work that has broken through many levels of achievements, and I can't express enough just how lucky we are to have this opportunity to speak with him. I have been reading his books, to prepare for this interview, and the questions I originally wrote were scratched off the list, as I uncovered more and more about the work Dr. Korotkov has done, working to bridge the gap between the great mysteries of life that are in the unseen world, with the measurable world of science. In our last episode, I put a video explanation from Dr. Korotkov in the show notes, where he explains the history of his invention (GDV) that began with what we know to be called Kurlian Photography, that was not embraced by the scientific community. I mentioned that I know this well, as this was one of the reasons my first book, The Secret for Teens Revealed[i] couldn't be taught in our schools when I first began working with students with social and emotional learning and the importance of having a good attitude, that shows up on the outside. Jeff Kleck from EP 246[ii] circled Kirlian Photography in the second chapter of my book, and wrote “science can't prove that!” Well, with all due respect to those who think that are thoughts cannot influence our future, they can with GDV technology that we can find all over Pubmed articles, showing that we all have an energy field and we are all connected and “can influence each other.”  Konstantin Korotkov calls this electrophonics. This advanced GDV Technology shows “that we have energy fields…it can show physical energy distribution, emotional energy distribution, psychological energy distribution, and our relationship of our inner state to the outer world.”[iii] I have many questions, stemming from all of the books, and articles I have read highlighting Dr. Korotkov's work, and look forward to uncovering some of the mysteries of the world with this fascinating scientist who while he does live in Russia, he'll be turning in from France today. He might as well be sitting right next to me here, as I do believe, like he does, that we are all connected. Let's meet Dr. Konstantin Korotkov and dive into some of the most fascinating topics that will challenge us to “think” deeply, before we make assumptions with anything in our life. Privyet Dr. Korotkov, and bonjour mon ami, it's incredible to meet you today. Are you still in France today? Thank you for taking the time for to dive into some of the questions I've spend many years wondering about. I'm can't even tell you how excited to learn from you, and share your knowledge with others who tune into the podcast around the world. I would usually open up with a question about where you are, and what work you are focused on, but after reading a few of your books to prepare for this interview, I don't even know how to begin. Can you take us back maybe through a timeline that explains where you started in your career, highlighting some of the mysteries of the world you have been looking to solve (from taking Kirlian photography to the next level to these trips to caves around the world). Can you orient us with how far you've come professionally, and what you are working on now? Q1: For listeners who want to tap into your work right now, you let me know that you will be hosting the Bio-Well Congress in Orlando, Florida November 10-12th at the Orlando Hilton Hotel.  I've put a link to your conference in the show notes, and participants can attend virtually as well as in person in Orlando, Florida, but can you briefly explain what this event is, who should attend and what they will learn? Q2: I've been looking for you for a long time. Someone who could help me to bridge the gap between the unknown maybe the world people would say is more spiritual (the dream it/believe it/achieve it) world…with a world where science must prove it before anyone will believe it.  However, it is impossible to deny that there are phenomena that lie beyond the modern scientific paradigm. The famous slogan: “It cannot be, because this can never be so” has been transformed into a slogan: “It cannot be because it conflicts with science” (Energy of Consciousness) What made you interested to learn more about this topic you've written many books on, the Consciousness of Health or the energy of health? Q2B:  What about telepathy or using our energy fields to influence our outside world? I've always done this (call it prayer) with wanting to help/improve the world in some way, or send people around the world that are important to me “good thoughts” but how do you use this in your daily life Do we need to be connected somehow to those we connect with this way? Some sort of brain coherence? Q2C: What about those people who we are not in resonance with? What happens here? Q3: While I first discovered you through your work with GDV, (electrophonics you call it) I do have some questions around this, but while researching you further, and reading your books, I learned that there was much more to you than I first thought. It started when I googled your name and these images came up so I read your book about The Mysterious Mummies of Nazca leading me to think I could ask you a million questions and we'd not ever scratch the surface. But I have to ask-what was the purpose of that book and what do YOU think you discovered in Nazca? Q4: I watched your podcast interview with Amrit Sandu[iv] where you explained the history/backstory of GDV. It was clear to me watching you speak that you are not on the business side of this invention, and you just want to help the world be a better place. I relate to this part of you (even though there's got to be a business model behind a good idea to make it sustainable) I believe in doing good for the world. For all of us listening, what can we do to follow in your footsteps and raise the consciousness of the world a little bit more every day?   Q5: Is there anything I have missed that's important? Dr. Korotkov, I want to thank you for the time you have spent with me today. I will read ALL of your books, and am grateful to have found someone who is opening my eyes to bridging the gap between the unseen world, and what we are truly capable of, with science. For people who want to learn more about you, what is the best place? http://www.bio-well.store/about/konstantin Final Thoughts to Close Out This Interview with Dr. Korotkov To close out this episode, I do need to go back to our study of The Silva Program[v], that we covered to help us to all take our meditation practices to new heights. This 4 part series is by far the most listened to episode we've covered here on the podcast. If you've listened to it, you will recall that we open up with a quote from Jose Silva that reminds us “Once we learn to use our minds to train it, it will do some astounding things for us, as you will soon see.” Dr. Korotkov's work is a clear example of what's possible when you take a belief in yourself, use your mind to think creatively, and then take action on the ideas we create in our minds, that there is nothing we cannot accomplish. Once we learn to use our mind in this way, it is important that we continue to put goodness out into the world and help others with the power of positive intention. This way, together, we really can change the world. And with that thought, I will close out this episode. I'll see you next week with an interview with elite champion Hazel Gale, and then we will continue with our review of Dr. Joe Dispenza's work, that really is the next step from here. We can't do this all at once, but one episode at a time, I do think that those of you who tune in regularly, will see that we are all connected to each other, and it matters what energy we are putting out into the world. I hope this episode opened up your mind to how powerful each of us really is, and that once we believe in the power of our own mind, we can begin to enjoy life in a whole new way, far beyond what we may have imagined in the past. I'll see you next week!   RESOURCES AND FOLLOW DR. KOROTKOV Bio-Well Mastermind Congress https://summit.gaiahealers.com/sales-page1679663859779 Nov 10-12 in Orlando, virtual or in person   Website: http://www.bio-well.store/about/konstantin   Facebook https://www.facebook.com/biowellworldwide/   Instagram https://www.instagram.com/biowellcompany/   YouTube https://www.youtube.com/channel/UCkn4BbIHuAVJOB4ljEVT1yw   Publications https://iumab.club/gb/science/research   Dr. Rajan Narayanan Yoga Concepts for Global Application https://www.amazon.com/Yoga-Concepts-Global-Application-understanding/dp/B0C9SNKGBD   Dogs That Know When Their Owners Are Coming Home by Rupert Sheldrake https://www.amazon.com/Dogs-That-Their-Owners-Coming/dp/0307885968/ref=asc_df_0307885968/?tag=hyprod-20&linkCode=df0&hvadid=312130957577&hvpos=&hvnetw=g&hvrand=17987888797529566223&hvpone=&hvptwo=&hvqmt=&hvdev=c&hvdvcmdl=&hvlocint=&hvlocphy=9030091&hvtargid=pla-490435213827&psc=1   Lynne McTaggart The Power of Intention Interview with Amrit Sandhu https://www.youtube.com/watch?v=gwA2Mt8q-rQ   Jaime Maussan Mexican Reporter https://en.wikipedia.org/wiki/Jaime_Maussan   The Jaime Maussan Show https://www.imdb.com/title/tt2041823/   Nazca Desert Mystery https://www.pbs.org/wgbh/nova/video/nazca-desert-mystery/   In Search of Aliens: Nazca's Ancient Geoglyphs https://www.youtube.com/watch?v=g34lDUxodZo   What is Hiding Under the World Famous Nazca Lines in Peru? https://www.youtube.com/watch?v=cWIYb5zd6p8   REFERENCES: [i] The Secret for Teens Revealed Published by Andrea Samadi 2009 https://www.amazon.com/Secret-Teens-Revealed-Teenagers-Leadership/dp/1604940336   [ii] Neuroscience Meets SEL Podcast EPISODE #246 https://andreasamadi.podbean.com/e/jeff-kleck-on-using-neuroscience-to-inspire-thinkers-in-schools-sport-and-the-workplace/   [iii] What is Gas Discharge Visualization? Konstantin Korotkov Published in 2012 in YouTube https://www.youtube.com/watch?v=DhBYqkos-Xk   [iv] Top Secret Russian Scientist Reveals Quantum Secrets, The Power of Intention https://www.youtube.com/watch?v=GRM2ETh5kdo   [v] Neuroscience Meets SEL Podcast EPISODE #261 The Silva Program PART 1-4 https://andreasamadi.podbean.com/e/a-deep-dive-with-andrea-samadi-into-applying-the-silva-method-for-improved-intuition-creativity-and-focus-part-1/   https://andreasamadi.podbean.com/e/a-deep-dive-with-andrea-samadi-into-applying-the-silva-method-for-improved-intuition-creativity-and-focus-part-2/   https://andreasamadi.podbean.com/e/a-deep-dive-with-andrea-samadi-into-applying-the-silva-method-speed-learning-and-creative-sleep-part-3/   https://andreasamadi.podbean.com/e/the-neuroscience-behind-the-silva-method-improving-creativity-and-innovation-in-our-schools-sports-and-modern-workplaces/      

“As the acceptance of expanded human potential gains mainstream momentum, the question has shifted from “What is possible in our lives?” to “How do we do it? How do we awaken our extraordinary potential in everyday life?” (Dr. Joe Dispenza). Today we will look at these questions and take a shallow dive, not a deep one, as there are many layers to how exactly we live up to the full potential we all have within us, or like the name of Joe Dispenza's book, Becoming Supernatural: How Common People are Doing the Uncommon. Today we will begin this exploration and identify clear strategies to awaken the extraordinary potential in each of us.Welcome back to The Neuroscience Meets Social and Emotional Learning Podcast, where we connect the science-based evidence behind social and emotional learning (that's finally being taught in our schools today) and emotional intelligence training (used in our modern workplaces) for improved well-being, achievement, productivity and results—using what I saw as the missing link (since we weren't taught this when we were growing up in school), the application of practical neuroscience. I'm Andrea Samadi, an author, and an educator with a passion for learning and launched this podcast 5 years ago with the goal of bringing ALL the leading experts together (in one place) to uncover the most current research that would back up how the brain learns best, taking us ALL to new, and often unimaginable heights.    For today's episode #306, we are going to look closely at the work of someone I have been forbidden by my mentor and neuroscience certification trainer, Mark Waldman, to EVER interview. When I first launched this podcast back in 2019, there were many reasons for WHY I wanted to bridge the gaps I saw in the field of education and the workplace, with practical neuroscience. To do this, I knew I needed training and obtained an Advanced Certification in Mindfulness-based Neurocoaching, where one of the MANY requirements for this Certification was that I had to show an application of practical neuroscience in the world, or just show that I was using what I was learning to help others. I told Mark Waldman about my podcast, and had him of for one of our early EP #30[i] in December of 2019 and shared with him my vision of who I would interview, and where I wanted to take this podcast. He told me he liked this idea, but since I was going to use this for his Certification requirement, he said “You must never interview anyone who covers pseudoscience” and said I must keep true evidence-based science (proven from articles on Pubmed) at the forefront. I thought, of course, why would I want to cover fake science and spread that into the world, and then he said it. “You must never interview Joe Dispenza!” And I thought “Oh no!”  I love that guy. His name was written on my wall as a potential future guest and while I agreed at the time to keep the podcast focused on science, I never did cross Dr. Dispenza off my list. I first heard about Joe Dispenza when I worked in the motivational speaking industry and while I knew about his seminars, how crazy the results were that people obtained, and some of the advanced technologies he used like epigenetics testing, brain mapping with EEGs and gas discharge visualization technology (GDV). I also knew that some people, including Mark Waldman, would consider Joe Dispenza's work to be pseudoscience, but I always put the results first in my mind, and hoped that one day, science could help prove what he has been teaching for years. Joe Dispenza says it himself in the first few pages of his book, Becoming Supernatural. He writes: Dr. Dispenza let go of his critics and decided to move forward with wanting to share his message with the world. He believes in a world where possibility exists, and he will challenge our thinking using his own personal experience of transformation, through meditation and his ability to change his health (which really could be applied to any area of your life-change your results, finances, whatever it is you want to change) purely by changing our thoughts. This was one of the first concepts Bob Proctor from EP 66[ii] taught in his seminars. We had to change our thinking first in order to change our future results. We had Adele Spraggon on EP #184[iii] where she teaches about the importance of paying attention to our feelings before we think and act with her concept she writes about in her Shift book, so we can begin to make our habits work for us, instead of against us. So here are some questions I've been looking for an answer to since I launched this podcast 5 years ago. I wonder: Can our current, present day thoughts impact our future? Can we impact our own health (and results for that matter) purely by what we think? Can my energy influence another person, and can someone else's energy influence mine? Can someone's energy be felt? Can our energy field be seen? This is what Joe Dispenza has been working on proving for years, and he's been using the most forward thinking tools to do this, and one of them, GDV (gas discharge visualization) was developed by a brilliant Russian man, Konstantin Korotkov.[iv] I put a video explanation from Physics Professor, Konstantin Korotkov in the show notes, where he explains the history of his invention (GDV) that began with what we know to be called Kurlian Photography, that was not embraced by the scientific community. I know this well, as this was one of the reasons my first book, The Secret for Teens Revealed[v] couldn't be taught in our schools when I first began working with students. Jeff Kleck from EP 246[vi] circled Kirlian Photography in the second chapter of my book, and wrote “science can't prove that!” Well, with all due respect to those who think that are thoughts cannot influence our future, they can with GDV technology that we can find all over Pubmed articles, showing that we all have an energy field and we are all connected and “can influence each other.”  Konstantin Korotkov calls this electrophonics and explains it's origin that goes back to 1777 in Brazil and then Russia. I typed Gas Discharge Photography into Pubmed, and found hundreds of articles, including one that showed “Applications of GDV Imaging in Health and Disease”[vii] and in the Journal of Education, Health and Sport, found an article “The Parameters of GDV (biophotonics) correlated with parameters of acupuncture points, EEG, HRV and hormones.”[viii] This advanced GDV Technology shows “that we have energy fields…it can show physical energy distribution, emotional energy distribution, psychological energy distribution, and our relationship of our inner state to the outer world.”[ix] Of course, I jumped at the chance to find Dr. Korotkov, and asked if he would come on the podcast, so I could ask him some questions, and dive deeper into understanding how our thoughts, and energy fields can influence ourselves, others, our mental and physical health, and our futures. Stay tuned, he has agreed to an interview. In the meantime, he did let me know that he will be hosting the Bio-Well Congress in Orlando, Florida November 10-12th at the Orlando Hilton Hotel. So it looks like the answers to all the questions that I asked above, that I've wondered over the years, would be a solid, scientifically proven YES, to all of them, and Dr. Joe Dispenza has been teaching this for years. Before I share why I wanted to cover this topic today, I've got to begin with the fact that we are all connected, and have an energy field. Dr. Korotkov has been searching for ways to bridge the gap from the unseen world of energy, with scientific principles, and says “there is clear evidence that we influence each other.”[x] This is something I always felt, but never really understood. I noticed certain things when I was in my late 20s, and thought they would be too “woo woo” to share on the podcast, and this is definitely one of them. I began to notice some people would have brighter lights around them, and appeared to me to be Supernatural like Dr. Dispenza would say. I could pick out people in the seminar room when I worked with Bob Proctor who I could see had this bright light around them, and when this light was paired with a belief for what they were doing, was the recipe for them to achieve outstanding results in the world. It happened time and time again. I remember the first person I saw shining brighter than all of us sitting at a table, and it just made me wonder What's different about that person than the rest of us? How are they thinking and feeling? Why do I see and feel their energy? When I went to work with Proctor in the seminar industry, I had the opportunity to put these questions into practice, and became highly developed with this superpower. When I see or feel this heightened sense of energy in people today, (this is not a common occurrence) but when I notice it, I'll share it with them, at the risk of them thinking I'm completely crazy. The other day, my husband and I were out for dinner, and I saw it with the young woman who was serving us. She looked like she was in her 20s, or maybe early 30s, and she was hustling like I've never seen. Then I noticed this young woman was pregnant! When she was took our order she sat down next to me to catch her breath, and it was here that I told her “You know you're special, right?” She said “what do you mean?” And I told her what I could see. She looked at me with some level of disbelief, but also another level that she knew what I was talking about. I told her to find my podcast, and listen to episode 66 so she could see where my path began, and she wrote it down, thanked me, and then told me to look up the book Becoming Supernatural.[xi] While driving home that night I did, and discovered where Dr. Joe Dispenza's path began. So for today's episode #306 “Decoding Our Thoughts: How to Build a Better Future with the Power of Our Mind” I dedicate this to the young woman who hustles every night. She knows who she is. When most of us were pregnant, we could barely stand on our feet. Not this woman. She knows how to create her future, and it starts with the belief she has in herself, and her dreams, that is strong enough that I could see it and feel it just merely by her sitting next to me. I hope she finds the path that's meant for her, and lives every moment of peace, joy and abundance that she deserves for herself and her baby who's on the way.   Then I also wish this for you, the listener. I hope you'll look at Dr. Dispenza's work, that's backed by Dr. Korotkov's GDV technology, and recognize how far they both have come to share these evidence-based ideas into the world and then see how YOU can use them to improve your own health, results and future, keeping in mind that: Our current, present day thoughts can impact our future. We can impact our own health (and results for that matter) purely by what we think. Our energy can influence another person, and someone else's energy can influence ours. Our energy be felt, and it also can be seen with devices that measure this information scientifically. Just like some other books we have looked at, I want to break down Dr. Dispenza's Becoming Supernatural into a few episodes. On today's episode, we will cover: Chapter 1: Opening the Door to the Supernatural and Chapter 2 The Present Moment. At the end we will look at specific strategies of where we can begin, so that we can build a solid belief in ourselves, and our future potential. Chapter 1: Opening the Door to the Supernatural This book opens up with a Foreword from Dr. Dawson Church, who we interviewed on EP #98[xii] who covered “The Science Behind Using Meditation.” Dr. Church's interview[xiii] has now become our MOST watched YouTube interview, showing me that the world wants to understand how meditation can take us to new heights. I've also mentioned often that The Silva Method Series[xiv] is our most listened to podcast episode, all focused on using the power of our mind, to take us to new heights. Dr. Church writes in his Foreword that “Joe stretches the horizons of possibility by extending the boundaries of the unknown.” (Becoming Supernatural) Joe Dispenza opens up this book with a fascinating story of how he knew he was wasting his time, energy and talent worrying about what other people thought of him, and how he took an accident he had on his bike, where he was told he would never walk again, and used the power of his own mind, through a guided meditation, to heal his body.  “9.5 weeks after the accident, (he) got up, and walked back into (his) life—without having any body cast or surgeries” (Becoming Superhuman Ch 1). What I noticed with this first chapter was that Dr. Dispenza took us back to when he didn't have the belief in himself, or his own ideas. He was still worried about what other people thought of him. His belief happened over time, when he let go (surrendered) to what others thought of him, and moved forward, full force, with the belief in his own future potential. He had to let go, or break free. I remember Proctor would say, “Make a committed decision” when doing something. Don't ask others, “what do you think” and go in half way, you must DECIDE to move forward, with everything you've got. Then he'd remind us of the Latin Root of the word decide which a combination of two words.  De=off and caedere= cut and he'd remind us when we decide something that we cut off all ties to any other option. Decide and move forward, never looking back. When I was reading this chapter, it was very clear that Dr. Dispenza didn't find it easy to heal his body. He explained how pain-stakingly difficult it was to replicate this meditative experience he had where he was able to “see” and “feel” things in this special state called hypnogogic sleep, in between sleep and wakefulness. I'm not sure where those of you who are listening are with your meditation practice as we are all at different levels, but I understood what Dr. Dispenza was saying. Sometimes you want to sit down and force something to happen, but that's never how it works. You have to be completely relaxed, your body in a state of let go or surrender, and then the magic happens… That's exactly what Joe Dispenza did to open up the door to becoming Supernatural. Once he broke free and made a committed decision to teach this work, he described how he would live into his future potential by healing his own body first, and then showing others how to do the same with his seminars and workshops. He explained how he: “selected that intentional future and married it with the elevated emotion of what it would be like to be there in that future, in the present moment (his) body began to believe it was actually in that future experience. As (his) ability to observe (his) desired destiny (with intention) got sharper and sharper, (his) cells began to reorganize themselves. I began to signal new genes in new ways, and then (his) body really started getting better faster.” (Ch 1, Becoming Superhuman). TO PUT THIS INTO ACTION: MAKE A COMMITTED DECISION Have you made a committed decision to whatever it is that you want to do? Not one foot in, the other out, testing the ground? Are you fully committed like Dr. Dispenza was when he let go of worrying about what others thought of him? REMEMBER: “Until one is committed, there is hesitancy, the chance to draw back, always ineffectiveness… the moment one definitely commits oneself then Providence moves, too. All sorts of things occur to help one that would never otherwise have occurred… boldness has genius, power, and magic in it. Begin it now.” Johann Wolfgang von Goethe Chapter 2: The Present Moment The way a person thinks and feels creates a person's state of well-being. We know this can be scientifically proven by Dr. Korotkov's GDV technology just by measuring the energy field from our finger tips, he can with accuracy, tell us what's going on inside that person's body (emotionally, psychologically) and then determine our relationship with this inner state to the outer world. Or in other words, what we THINK, on the inside, will show up on the outside. Dr. Dispenza says it this way explaining that “the familiar past will sooner or later become the predictable future.” (Ch 2, Becoming Supernatural). I heard Proctor explain it another way by explaining that “our results were a compilation of our thoughts, feelings and actions” and he could look at someone, and determine their level of thinking, purely based on the results they were obtaining. Now the funny part about this, is that many teachers explain the same thing, just a slightly different way. To determine a person's level of thinking, Proctor would ask them “what's the most amount of money you've ever made in one year” because he would quickly be able to see that person's level of awareness. He would say that there's no difference in ability of someone who earns $50K/year to someone who earns $50 Million/year, except the level of awareness of how to do it. Our thoughts, in the present moment, determine our current reality. If we don't like the reality we are in, it starts with changing our thoughts. To do this, we've often got to get out of our own way, and start to study and understand how our thoughts, feelings and actions create the world we live in. We've all heard that insanity is doing the same thing over and over again, and expecting a different result. The same idea with our results. “If we keep the same routine as yesterday, it makes sense that your tomorrow is going to be a lot like your yesterday. Your future is just a rerun of your past. That's because your yesterday is creating your tomorrow.” (Ch 2 Becoming Superhuman). Whatever way we describe it, we will not be able to change our results in the future, unless we do something different in the NOW. We must be able to choose different thoughts (towards a new goal), feelings, and actions, to create a NEW, unknown event in our future. I've drawn out Dr. Dispenza's Predictable Timeline from Chapter 2, that shows us how “the familiar past will sooner or later become the predictable future” (Dispenza) or that we will never be able to suddenly jump to a new salary for example, without first of all thinking/feeling/acting in an entirely NEW way in the present moment. A NEW, unknown event, requires NEW thoughts/feelings/actions in the present moment. The ONLY way to change our future, is to change our current state of being. IMAGE CREDIT: Andrea hand drew the image from Chapter 2 Becoming Superhuman   TO PUT THIS INTO ACTION: DO YOU KNOW WHAT ENERGY YOU ARE BROADCASING OUT TO THE WORLD? This is where the hustling pregnant server comes to mind. She was working hard, doing her thing, and doing everything she knew how to do to change her future in some way. I'm not sure what her vision for her future really is, but I could clearly see and feel she was hustling to get somewhere, and I had no doubt in my mind that she would arrive, exactly where she wanted to go. She was broadcasting it out loudly and clearly to the world, and I know I'm not the only one who could see it. What about you? Are you doing everything you can in the present moment to create an unknown event in your future? Are you keeping your thoughts positive, doing everything you know how to do, with your vision held on the screen of your mind? If you've asked others for feedback on the actions you are taking, what do they say? Is there anything else you can do to improve? In your heart you will know if you are giving your all from the minute you wake up, to the moment you close your eyes and go to sleep. This is the daily grind we talked about on EP 38[xv] that's well known in the sports world. While working on a daily basis, and keeping our energy levels high, over time, with this effort, and being focused on what we are broadcasting out into the world, (making sure we are thinking/feeling/acting in a positive way) we will eventually create the space for an unknown, or unpredictable event that will take us to new heights of achievement. It happens in the sales industry when you work really hard and get what we sometimes call a “blue-bird sale” where someone calls you and says “I have money to spend, and must spend it by the end of the day” and you never could have predicted this occurring, but you had the space for it, and you're ready for it. Or you run into someone unexpectedly who connects you to someone else, who advances you in some way, to where you want to go. It's an unknown event that many people would say “woah, how on the earth did that happen?” Dr. Dispenza and other teachers would say that it was created, predictably, by doing certain things, a certain way. REVIEW AND CONCLUSION: To review and conclude today's EP #306 on “Decoding Our Thoughts: How to Build a Better Future with the Power of Our Mind” we looked at the following questions: Can our current, present day thoughts impact our future? Can we impact our own health (and results for that matter) purely by what we think? Can my energy influence another person, and can someone else's energy influence mine? Can someone's energy be felt? Can our energy field be seen? Then we: ✔ Were introduced to Dr. Joe Dispenza and his book Becoming Supernatural with a brief introduction to how I was forbidden to ever cover Dr. Dispenza's work, and why I'm covering it today. ✔ Learned about the Russian Scientist Dr. Konstantin Korotkov, and his GDV invention (that he calls elecrophonic imaging) that measures our physical, emotional and psychological energy distribution that provides “clear evidence that we influence each other.” We will learn more about how this device maps our inner state of mind with our outer world and much more from Dr. Korotkov on our NEXT episode (first week in October). ✔ Looked at Becoming Supernatural Chapter 1: Opening the Door to the Supernatural with some thoughts for you to put this chapter into practice in your daily life. Do you know what you REALLY want? Have you made a committed DECISION towards your goals? Have you let go of what others think of you, and surrendered to doing what it takes to achieve your goals? ✔ Looked at Becoming Supernatural Chapter 2: The Present Moment, with some thoughts for you to put this chapter into practice in your daily life. Are we aware of the energy that you broadcast out into the world? (If not, have you asked others for feedback on how you show up in the workplace or family life?) Are we doing everything possible to move the needle towards your goals (or whatever it is that you are working on)? Have we made space for unknown events to occur in your life to move you forward? And with this introduction to Dr. Dispenza's work, we will learn how the tools he has been using to gather the scientific evidence he needed to prove that our thoughts REALLY do matter for our health, results and future, were invented. I'm hoping to have interviewed Dr. Korotkov by the first week in October, so we will miss a week while I'm traveling, next week, but looking forward to what we will uncover, and see you in October.   REFERENCES: [i] Neuroscience Meets SEL Podcast EPISODE #30 https://andreasamadi.podbean.com/e/neuroscience-researcher-mark-robert-waldman-on-brain-network-theory-and-the-12-brain-based-experiential-living-principles/   [ii]Neuroscience Meets SEL Podcast EPISODE #66 with Bob Proctor  https://andreasamadi.podbean.com/e/the-legendary-bob-proctor-on/   [iii] Neuroscience Meets SEL Podcast EPISODE #184 https://andreasamadi.podbean.com/e/adele-spraggon-on-using-science-to-break-up-with-your-bad-habits-in-4-simple-steps/   [iv] What is Gas Discharge Visualization? Konstantin Korotkov Published in 2012 in YouTube https://www.youtube.com/watch?v=DhBYqkos-Xk   [v] The Secret for Teens Revealed Published by Andrea Samadi 2009 https://www.amazon.com/Secret-Teens-Revealed-Teenagers-Leadership/dp/1604940336   [vi] Neuroscience Meets SEL Podcast EPISODE #246 https://andreasamadi.podbean.com/e/jeff-kleck-on-using-neuroscience-to-inspire-thinkers-in-schools-sport-and-the-workplace/   [vii] Applications of GDV Imaging in Health and Disease Published by Suman Bista et al Sept. 26, 2023 https://pubmed.ncbi.nlm.nih.gov/35648690/   [viii]The Parameters of GDV (biophotonics) correlated with parameters of acupuncture points, EEG, HRV and hormones Published by Valeriy Babelyuk et al Dec. 31, 2021  https://apcz.umk.pl/JEHS/article/view/36914 [ix] IBID [x] IBID [xi] Becoming Supernatural: How Common People are Doing the Uncommon by Dr. Joe Dispenza published March 5, 2019 https://www.google.com/search?gs_ssp=eJzj4tVP1zc0TKnILrcoq8owYPSSSkpNzs_NzEtXKC4tSC3KSywpLUrMUUjKz88GAEIPD3c&q=becoming+supernatural+book&oq=becooming+supernatueral+&aqs=chrome.1.69i57j46i13i433i512j0i13i512l7.7875j0j15&sourceid=chrome&ie=UTF-8 [xii]Neuroscience Meets SEL Podcast EPISODE #98 with Dr. Dawson Church  https://andreasamadi.podbean.com/e/dr-dawson-church-on-the-science-behind-using-meditation-rewiring-your-brain-for-happiness-resilience-and-joy/   [xiii] YouTube interview with Andrea Samadi and Dr. Dawson Church  https://www.youtube.com/watch?v=bH8yVKHjFN4   [xiv] Neuroscience Meets SEL Podcast on The Silva Mind Control Method https://andreasamadi.podbean.com/e/a-deep-dive-with-andrea-samadi-into-applying-the-silva-method-for-improved-intuition-creativity-and-focus-part-1/   [xv]Neuroscience Meets SEL Podcast EPISODE #38 with Todd Woodcroft https://andreasamadi.podbean.com/e/assistant-coach-to-the-winnipeg-jets-todd-woodcroft-on-the-daily-grind-in-the-nhl/  

Teilen von Daten, Open Data, Open Insurance und Open Banking: Ein Blick auf die aktuelle Situation aus regulatorischer, politischer und wirtschaftlicher Sicht.Am 29.03. fand der erste "FRIDA Open Insurance Dialog" in Hannover statt, bei dem Vertreter:innen der Branche, der BaFin, des GDV und aus der Politik zusammenkamen. Ziel war es, die Situation rund um das Teilen von Daten und Open Data in der Versicherungs- und Finanzwelt zu beleuchten. In der Folge ziehen wir Resümee und werfen einen gesellschaftspolitischen Blick auf das Thema.Unsere Gäste: Dr. Joachim Algermissen, Büroleiter des FDP Fraktionsvorsitzenden und Experte für digitale Themen und Florian Toussaint, Beiratsmitglied des FRIDA e.V. und Co-Founder von GlobalCT.Die Digitalisierung hat unsere Gesellschaft bereits stark beeinflusst und wird auch in Zukunft eine bedeutende Rolle spielen. Deutschland hat das Potenzial, bei der Digitalisierung Vorreiter zu sein und seine Wettbewerbsfähigkeit zu steigern. Wir diskutieren die Rolle des Staates und seine bisherigen Anstrengungen, um eine "Digital Native"-Nation zu schaffen.Die "Digitalstrategie" dient als wesentlicher Treiber und hat bereits Initiativen zur Förderung der Digitalisierung in der Bildung, zur Bereitstellung von Breitband-Internet und zur Unterstützung von Startups hervorgebracht. Wir werfen auch einen Blick auf das Thema "Open Data" und seine Bedeutung im Versicherungs- und Finanzsektor.Verpassen Sie nicht diese spannende Folge des Insurance Monday Podcasts! Jetzt reinhören und mitdiskutieren.Folge uns auf unserer LinkedIn Unternehmensseite für weitere spannende Updates.Unsere Website: https://www.insurancemondaypodcast.de/Du möchtest Gast beim Insurance Monday Podcast sein? Schreibe uns unter info@insurancemonday.de und wir melden uns umgehend bei Dir.Vielen Dank, dass Du unseren Podcast hörst!