Podcasts about Great News

Send a textEducators across grade levels are observing a consistent pattern: students are increasingly distracted, mentally fatigued, and less able to sustain focus during academic tasks. These challenges affect reading comprehension, problem-solving, written expression, and overall learning stamina. This episode examines the cognitive and neurological foundations behind these trends and explores how neuroscience-informed innovation may support learning readiness.Drawing on research in neuroplasticity and cognitive development, the discussion highlights how core brain systems—including attention regulation, working memory, processing speed, response inhibition, and visual control—play a critical role in students' ability to engage in sustained learning. The episode explores how stress, digital overstimulation, anxiety, and sleep disruption can place strain on these systems, reducing cognitive efficiency in classroom settings.Guest Dominick Fedele, CEO and founder of Mastermind Cognitive Training, shares insights into the development of targeted cognitive training exercises designed to strengthen foundational brain skills through structured, repeated practice. The conversation examines how short, gamified training sessions aim to leverage neuroplasticity to enhance focus, learning stamina, and academic readiness. Assessment models used to measure cognitive growth are also discussed, along with early feedback from educators and families.This episode provides educators with a research-informed perspective on cognitive readiness and offers insight into how structured brain-based practice may complement classroom instruction. It invites reflection on how strengthening underlying cognitive systems may help students engage more effectively in learning while supporting teachers in managing diverse attention needs.Great News! The Brighter Side of Education is now CPD Accredited! Sponsored by Dr. Gregg Hassler Jr., DMDTrusted dental care for healthy smiles and stronger communities—building brighter futures daily. Head to the show notes to find if this episode is CPD eligible and details on how to claim your CPD certification!Sponsored by Dr. Gregg Hassler Jr., DMDTrusted dental care for healthy smiles and stronger communities—building brighter futures daily.Support the showIf you have a story about what's working in your schools that you'd like to share, email me at lisa@drlisahassler.com or visit www.drlisahassler.com. Subscribe, tell a friend, and consider becoming a supporter by clicking the link: https://www.buzzsprout.com/2048018/support. The music in this podcast was written and performed by Brandon Picciolini of the Lonesome Family Band. Visit and follow him on Instagram.

The Wisconsin FFA held its second annual FFA auctioneering competition, with Junie Kierce, a junior at Waunakee High School, capturing first place. Kierce visits with Ben Jarboe about how she happened upon the competition, and prepared for the event. Junie looked for a mentor to sharpen her skills and connected with fundraising auctioneer Jenny Gale of North Prairie. Training began with mastering numbers—counting forward and backward, working in quarters and hundreds—to build a strong foundation. Tongue twisters were a major part of practice to develop rhythm, clarity, and speed before refining an auction chant. Once comfortable with cadence and numbers, Junie worked on incorporating filler words and creating a smooth chant. Beyond the chant, mentoring also focused on salesmanship, knowing the items, stage presence, and overcoming stage fright. The Wisconsin Auctioneers Association promotes the competition to introduce FFA students to career opportunities in the auction industry. Be grateful you're not in New York City today! Stu Muck says the wild winter weather they're dealing with on the East Coast won't make its presence felt in WI, but our temps will stay cold.Farmers aren't the only ones who pay close attention to the weather for their occupations. So do riverboat captains. Kiley Allan catches up with Jimmy “JRock” Cheatham, Pilot Barge Captain on the Mississippi River. While navigation continues, heavy river ice can cut travel speeds in half and requires square barge configurations to prevent ice from packing into gaps and hindering steering. To navigate treacherous winter conditions and lower water levels caused by ongoing droughts, captains must reduce tow sizes—sometimes from 42+ barges down to 25—which directly impacts corporate profitability.Congratulations to Bryanna and Dylan Handel of Barneveld. They've been named the 2026 Compeer Financial Groundbreakers of the Year. Pam Jahnke explains their farming operation.Wisconsin FFA Alumni have some big plans for 2026! Tari Costello, executive director of the group, explains that they have 2,000 more members this year compared to last, with 10 new chapters added to the roster. Costello says the group is undertaking an effort to launch FFA license plates for the state. Once they've secured all the financial support needed, as well as necessary signatures to begin, they estimate that $25 of each license plate sold would end up benefitting FFA in Wisconsin. She explains the plan to Pam Jahnke.See omnystudio.com/listener for privacy information.

On the occasion of Kenneth Williams' 100th birthday it seemed an ideal opportunity to introduce people to the glories of Goon Pod Film Club. Inspired by Mr Fiddler in Carry On Camping (episode out next week) membership to GPFC has dropped to £1 a month for all existing and new members. That will give you a new full-length discussion about a classic British comedy film every month plus access to the GPFC archive of over twenty shows and growing: episodes include Without A Clue; Steptoe & Son Ride Again; Shaun Of The Dead; Kind Hearts & Coronets; A Hard Days Night; School For Scoundrels; Paddington 2 and many more! We also have some fine guests including David Quantick, David Renwick & Andrew Marshall, Tim Worthington and Jon Canter. This is a special 2-hour edition of Goon Pod highlighting some of the many conversations we've had on GPFC over the last 18 months. Remember: head over to Patreon.com/GoonPod and subscribe for just £1 a month (you can also buy individual episodes for £3 each if you don't wish to subscribe)

Something shifted in January — and this January 2026 Denver real estate market update breaks down exactly what’s happening. Rents are resetting to 2018 levels. A third of all available apartments were built in the last decade. Colorado now ranks 5th nationally for outbound moves. 55% are leaving the state — the highest since 1990. Landlords across the Front Range are holding rents flat or cutting them just to keep units filled. But here’s what most people are missing — this same pressure is creating buying opportunities that haven’t existed in over a decade. Chris Lopez sits down with his monthly market panel. Troy Howell with Nova Home Loans, Jeff White with Envision Advisors, Jenny Bayless covering Colorado Springs, and Shawn Riley from KeyRenter Denver all join the conversation. The group digs into the numbers. They share what they’re seeing firsthand from their own portfolios, clients, and deal flow. Things get real when Chris reveals a fourplex across the street from his own just sold at his 2018 purchase price. That confirms what the data has been showing about multifamily. Then the panel unpacks a $30 million foreclosure on four central Denver apartment buildings. Zero bidders showed up at auction. Colorado residential land now averages $942,200 per acre — up 174% in a decade. That’s why starter homes have disappeared entirely. And Shawn Riley shares that rents on condos and townhomes are down 7-10%. Apartments are offering up to three months free rent, making it brutal for older inventory to compete. In This Episode We Cover: Colorado Springs hits 4.5 months supply — officially tipping into a buyer’s market while prices hold mostly steady Why Denver inventory is building 7-8% year over year and new construction spec homes still aren’t moving even with builder-subsidized 4% rates The rental market resetting to 2018 levels and why landlords are holding rents flat to avoid costly turnover Section 8 developments including Denver paying 120% of fair market rents but freezing new voucher issuance and rent increases Room by room rental demand softening — what co-living operators need to know heading into spring Why the panel says this is Colorado’s first real buyer’s market in a decade and the 1031 exchange strategy to capitalize on it The new Fed chair nomination and what rate improvements of 0.50-0.75% from last year mean for refinance opportunities If you’ve been waiting for a 2026 Denver real estate market update that actually tells you where the deals are, this is it. Whether you’re sitting on single family properties eyeing a move into multifamily, a landlord figuring out the right rent price, or an investor ready to pick up distressed deals at steep discounts, the panel breaks down exactly where things stand right now. Watch the YouTube Video https://youtu.be/LJq5IzPcPbM Timestamps 00:00 — Welcome & Guest Introductions  01:13 — Colorado Springs January Stats — New Listings Nearly Double  03:44— Denver Boots on the Ground — Relisting Surge & Condo Financing  05:39 — Denver Metro Trends — Inventory Building & Prices Flat  07:44 — Colorado Land Up 174% — Why Starter Homes Don’t Exist  09:40— Builders Sitting on Unsold Spec Homes  11:11— Colorado Ranks 5th for Outbound Moves  11:55— Rental Market Reset — Rents Feel Like 2018  15:45— Room by Room Rentals — Flat Rents & Co-Living Rebrand  21:58— Section 8 Voucher Changes & Denver Paying 120% of Fair Market Rents  27:51 — Multifamily at 2018 Prices & $30M Foreclosure With Zero Bidders  35:05 — Renting vs. Buying — Jenny’s Real Numbers Comparison  37:53 — Mortgage Rates & New Fed Chair Nomination 41:24— Buyer’s Market Playbook — Time for Disrespectful Offers Connect with our Guests Jeff White: jeff@envisionrea.com Troy Howell: troy.howell@novahomeloans.com LinkedIn: Troy Howell Website: https://www.novahomeloans.com/loan-officer/troy-howell/ Shawn Riley: shawn@keyrenterdenver.com Website: https://keyrenterdenver.com/ Jenny Bayless: Jenny@envisionrea.com Links in Podcast Apartment vacancy in metro Denver reaches highest rate in 16 years, pushing down rents again Realtors say it's still a buyer's market in Colorado, but high housing costs keep renters renting  Mortgage Calculator Lender forecloses on four central Denver apartment buildings Denver Multifamily Hits 2009 Cap Rates (8 Indicators We’re at the Bottom) Download the Free House Hacking Spreadsheet Subscribe to our Reactivated Deal Alert Emails Who is Keyrenter? Keyrenter Property Management Denver provides rental solutions for homeowners and real estate investors in the metro area who are interested in transforming their properties into passive income. It offers various services, from property marketing and thorough applicant screening to tenant placement and 24/7 maintenance services. Keyrenter Denver's team of experts can take the clients’ burden of managing their rental off their hands so they can get back to what matters to them. Who is Nova Home Loans? For over 40 years, we've been focused on helping homeowners find the perfect loan to fit their financial needs and personal goals. Working with NOVA is a personalized experience from initial application to final loan closing and beyond. We will be with you every step of the way toward successful homeownership. Start working with NOVA & Troy Howell today! NOVA FINANCIAL & INVESTMENT CORPORATION, DBA NOVA HOME LOANS NMLS 3087/ EQUAL HOUSING OPPORTUNITY/8055 EAST TUFTS AVENUE, SUITE 101/DENVER, CO

Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society.   In this episode, Justin interviews RIMS General Counsel Mark Prysock on RIMS Public Policy Focus in 2026.   The RIMS Public Policy Committee is focusing on several legislative issues in 2026. These include the reauthorization of the Terrorism Risk Insurance Act, a federal government backstop in the event of a catastrophic terrorist attack. The bipartisan legislation would reauthorize program funding through 2034.   The Public Policy Committee is tracking an association tax reform proposal to levy a 21% tax on nonprofits' net earnings. Republicans and Democrats together are interested in the potential tax revenue of this proposal. RIMS serves on the Steering Committee of an association coalition led by ASAE to try stop this new tax from moving forward.   Other legislative interests include reforming the National Flood Insurance Program, mandating disclosures around third-party litigation funding of civil lawsuits, and providing the risk management perspective on various cybersecurity and data privacy initiatives.   This year's Legislative Summit, scheduled for March 18th and 19th in Washington, DC, will allow RIMS members to meet with their members of Congress to discuss these issues. Registration for the Summit is now open. Justin and Mark discuss these topics and more in today's interview.   Finally, if you haven't already done so, please consider contributing to RISK PAC, the Society's political action committee.   Key Takeaways: [:01] About RIMS and RIMScast. [:16] About this episode of RIMScast. Our guest is RIMS General Counsel and VP of External Affairs, Mark Prysock. He's here to tell us what's going on with RIMS advocacy efforts and the top items on our legislative agenda in 2026 and beyond. But first… [:47] RIMS Virtual Workshops. On March 10th and 11th, we have a two-day course led by John Button for the RIMS-CRMP Exam Prep. [:57] On March 17th and 18th, RIMS will align with AFERM for a two-day RIMS-CRMP-FED Exam Prep Course. [1:06] On March 4th and 5th, we have a virtual workshop, "Facilitating Risk-Based Decision Making", with Joe Milan. On April 15th, we have a virtual workshop covering "Emerging Risks", led by Joseph Mayo. [1:22] Register today and strengthen your risk knowledge. RIMS members always enjoy deep discounts on the virtual workshops. [1:29] Webinars. On March 6th, RIMS presents "Hard Hats & High Stakes: Women Leaders Shaping Construction Risk Management". We'll be joined by a Chief Risk Officer, an underwriter, and a broker. [1:43] They will explore their career paths, risk and safety philosophies, and lend some insight as to why this is the time for the next generation of leaders to rise. [1:54] On March 12th, Global Risk Consultants returns with "Don't Waste the Soft Market: Where to Reinvest Insurance Savings Before the Window Closes". Register for these and other webinars by visiting RIMS.org/webinars and the links in this episode's show notes. [2:12] The RIMS 2025 Compensation Survey is now available through the link in this episode's show notes. The survey incorporates data from 867 U.S. and 201 Canadian Risk Professionals. Download it today and see how you measure up to your peers. [2:32] RIMScast has its first spinoff, RIMScast Canada! It is a video podcast hosted by RIMS Canada Conference Committee Chair, Aaron Lukoni, with Justin as co-host. Check it out at RIMS.org/canada. This is a monthly series, and we are stoked to share it with you! [2:57] On with the Show! Our guest today is Mark Prysock, the General Counsel and Vice President of External Affairs here at RIMS. It is always wonderful to have him on the show. [3:07] He's here to remind us of the RIMS legislative priorities of 2026 and how they will be addressed during the RIMS Legislative Summit on March 18th and 19th in Washington, D.C., and who qualifies to attend. [3:19] He will also talk about what else we can expect in the way of public policies that RIMS would like to prevent, and those we support. There are lots of links in this episode's notes. You can visit RIMS.org/advocacy, as well. [3:30] Let's learn about the policies that are changing the risk landscape. [3:34] Interview! Mark Prysock, welcome back to RIMScast! [4:15] Mark says the RIMS priorities for 2026 include third-party litigation funding, where third parties, often from other countries, invest in civil litigation. This is of great concern from a national security perspective.  [5:22] If a foreign firm wants to invest in a lawsuit against a defense manufacturer, that foreign investor will have access to everything that comes out in discovery. [5:36] There's a lot of information that can be gleaned through civil litigation. That is a national security concern. That's one of the things we are hoping Congress will address. [5:55] Justin notes that RIMS had a couple of webinars about TPLF in 2025. The webinar panelists were incredibly knowledgeable and passionate about prevention. They covered ways to spot it and what to do about it. [6:21] Mark states that there is a strong link between TPLF agreements and nuclear verdicts for substantial amounts of money. [6:34] There's a real risk from a commercial insurance buyer's perspective if you are in an industry that is subject to TLPF arrangements, that the insurance for these types of lawsuits could dry up or become substantially more expensive. This could be extremely problematic. [7:15] Congress is considering reauthorizing the Terrorism Risk Insurance Act (TRIA). There is bipartisan support for it. The full House will be voting on it before too long. This may get wrapped before the RIMS Legislative Summit. The reauthorization would extend through 2034. [7:40] Mark says that overall, RIMS would support a long-term reauthorization of the program. [9:25] A proposal to tax the net earnings of non-profits came up almost two years ago. Some members of Congress feel that non-profits compete with for-profit organizations but don't bear the same tax burdens. Congress is always looking for new revenue streams. [11:08] Congress is not done with budget bills and comprehensive tax bills. If there is a bill that comes forward this year, RIMS will try to make sure that there are no changes in the way that non-profits are taxed. [11:28] Justin points out that RIMS is serving on the steering committee of a broad-based association coalition led by the American Society of Association Executives. It's called the Community Impact Coalition. A substantial number of associations in the D.C. area are involved. [11:50] Being on the steering committee means that RIMS plays a very active role in settling on the legislative strategy in dealing with this issue. [12:01] Mark says it's great to be involved in working with this group. They had a great deal of success last year in making sure none of these new tax provisions were included in the budget reconciliation bill. [12:15] WMark says that we just need to make sure again, for the last half of this session of Congress, that those tax provisions don't rear their ugly heads again. [12:24] Justin states that we love ASAE at RIMS. In 2023, RIMScast won an NYSAE Award for MarCom Excellence. [12:40] Justin asks about the National Flood Insurance Program (NFIP). It is typically funded as part of the Continuing Resolution, a bill that funds the federal government in general. That bill is considered by Congress every three to nine months. [13:22] We often reach a point where the issues regarding the Continuing Resolution are hashed out at the eleventh hour. Sometimes, they're not, and the government experiences a partial shutdown, which, at the time of recording this episode, we are currently in. [13:42] At present, the NFIP is not funded. RIMS advocates for the NFIP to be reauthorized, with enhancements, for an extended time, such as two or three years. However, if it were not part of the Continuing Resolution, it would no longer be considered must-pass, and it might go away. [15:31] Mark talks about attending the RIMS Legislative Summit. You may attend if you are a RIMS member working for a company that does business in the United States. [15:37] Mark says we are looking for RIMS members who represent companies that are constituents of Members of Congress, so you can go in, talk to a Member, say I am here on behalf of RIMS, and I work for a company that has X number of employees in your district. [15:59] Say that these are some risk management issues that my company is facing right now. I'd like to talk to you about those, if I could. [16:08] Quick Break! The RIMS CRO Certificate Program in Advanced Enterprise Risk Management is RIMS' live virtual program, led by James Lam. Great News! A brand new cohort has been announced. Registration closes on April 6th. [16:29] Beginning on April 14th, bi-weekly workshops will be held from 11:00 a.m. to 3:00 p.m. Eastern Time through June 23rd. Register now! A link is also in this episode's show notes. [16:42] February is Insurance Careers Month! That coincides nicely with the Spencer Educational Foundation's 7th Annual Spencer Day, which will be February 23rd. [16:54] Spencer's CEO, Megan Miller, was recently a guest on RIMScast, and we were discussing how everyone can join in this virtual celebration. Spencer is seeking $47 donations in honor of its 47th year. [17:11] The goal on Spencer Day is to raise $7,500 to support an additional scholarship, which will be awarded in the Spring. A link to Spencer Day information is in this episode's show notes. Visit Spencered.org/spencer-day. [17:27] Let's Return to Our Interview with RIMS General Counsel and Vice President of External Affairs, Mark Prysock! [17:58] Mark says the RIMS Legislative Summit will take place in Washington, D.C., on March 18th and 19th. March 18th is Education Day, held at the U.S. Chamber of Commerce Building in D.C. There will be training on the various advocacy issues. [18:28] There will be panel discussions around third-party litigation funding, reauthorizing the National Flood Insurance Program, and association tax reform. They bring together many people from the D.C. community to talk about these issues. [18:45] This includes lobbyists, people from the administration, Congressional staffers, and people who are going to bring different perspectives to provide RIMS attendees with a well-rounded understanding of each of these issues. [19:04] After that, there will be a basic presentation on how to lobby Members of Congress, with all the dos and don'ts. By that time, RIMS members will be ready to go. There will be one-page leave-behinds that outline an issue in depth and have a specific ask for Members of Congress. [19:27] Mark says we'll make sure that those one-pagers are transmitted to all the Congressional offices we'll be visiting, before our meetings, and also have printed leave-behinds for our members to take with them when they go to the Hill. [19:41] Thursday, March 19th, will be a full day. We release the hounds! Everybody hits the Hill, talks to Congressional staff members, and maybe Members of Congress, about our legislative priorities. [20:11] Mark says the pitch in 2025 was solid. One issue, the Freedom to Invest in Tomorrow's Workforce Act, liberalized the use of 529 College Savings Accounts for credentials, certifications, and things that might advance their careers in other ways. [21:06] There was very strong bipartisan support in the House and the Senate. Mark says RIMS participated in a very effective lobbying campaign on this. That legislation was passed into law using the exact language that our lobbying campaign recommended. [21:28] For Mark, that was a high point from last year's RIMS Legislative Summit. Another high point was the attendance numbers. There were about 100 Congressional visits in total. RIMS was very well-represented last year, and Mark hopes we outdo ourselves this year. [21:52] A Final Break! RISKWORLD 2026 will be held from May 3rd through the 6th in Philadelphia, Pennsylvania. RISKWORLD attracts more than 10,000 risk professionals from across the globe. It's time to Connect, Cultivate, and Collaborate with them. [22:12] General registration is open, and you can lock in the Advance Rates through February 28th. Marketplace and Hospitality Badges will be available starting March 3rd. Links are in the show notes. Check RIMS.org for more information. [22:29] Let's Conclude Our Interview with RIMS General Counsel and Vice President of External Affairs, Mark Prysock. [22:48] Beyond the Legislative Summit, the RIMS Public Policy Committee wants to work very closely with the RISK PAC Trustees to raise awareness around RISK PAC and the important role that it plays in supporting our legislative program. [23:05] RISK PAC is the RIMS political action committee. It's a vehicle to raise personal funds from RIMS members and use those dollars to support the reelection campaigns of Members of Congress who RIMS believes already support our issues or are in a position of influence. [23:38] Mark says we have some fairly exciting new things happening with RISK PAC this year. The first is a fundraising reception at RISKWORLD on Sunday afternoon, just before the opening general reception. [24:29] Any RIMS member who is a U.S. citizen can support the RISK PAC. Make a contribution to the PAC in order to attend. [24:58] RISK PAC will have a fundraiser at the Florida RIMS Conference in July. They are planning on more exposure at other regional conferences this year, as well. [25:36] Mark expects a lot of good things to happen for the RISK PAC this year, and hopes to raise a good amount of money to support our legislative initiatives. [26:14] Mark says TRIA is becoming a new, very relevant issue to the risk management community. It's all about extending an existing program. [26:39] Last week's RIMScast guest was RIMS's 70th President, Manny Padilla. Mark says Manny has been a long-time supporter of the Public Policy Program and Committee. He's a financial supporter of RISK PAC. He's a regular attendee at the RIMS Legislative Summit. [27:41] Having someone in the President's role who is enthusiastic and supportive of our Public Policy Program is great for us. [27:50] Mark says that Manny Padilla has been great for connecting the Public Policy Committee with other people working on similar issues. [28:10] Justin and Mark look forward to speaking more, later in the year, about what is accomplished on these issues. [28:33] If you have any questions before the RIMS Legislative Summit, you can visit RIMS.org/advocacy or reach out to Mark Prysock directly. He'd love to hear from you. [28:53] Special thanks again to Mark Prysock for joining us here on RIMScast and providing these very critical advocacy and legislative updates. The RIMS Legislative Summit will be held on March 18th and 19th. [29:10] Register today at RIMS.org/advocacy. There is also information about the RISK PAC. We want you to get involved and take part in advocating for your profession! [29:26] Plug Time! You can sponsor a RIMScast episode for this, our weekly show, or a dedicated episode. Links to sponsored episodes are in the show notes. [29:54] RIMScast has a global audience of risk and insurance professionals, legal professionals, students, business leaders, C-Suite executives, and more. Let's collaborate and help you reach them! Contact pd@rims.org for more information. [30:12] Become a RIMS member and get access to the tools, thought leadership, and network you need to succeed. Visit RIMS.org/membership or email membershipdept@RIMS.org for more information. [30:31] Risk Knowledge is the RIMS searchable content library that provides relevant information for today's risk professionals. Materials include RIMS executive reports, survey findings, contributed articles, industry research, benchmarking data, and more. [30:47] For the best reporting on the profession of risk management, read Risk Management Magazine at RMMagazine.com. It is written and published by the best minds in risk management. [31:01] Justin Smulison is the Business Content Manager at RIMS. Please remember to subscribe to RIMScast on your favorite podcasting app. You can email us at Content@RIMS.org. [31:13] Practice good risk management, stay safe, and thank you again for your continuous support!   Links: RIMS Legislative Summit – March 18‒19, 2026 on Capitol Hill, Washington, D.C. | Register now! RISK PAC | RIMS Advocacy RISKWORLD 2026 Registration – Open for exhibitors, members, and non-members! Reserve your booth at RISKWORLD 2026! Spencer Educational Foundation | Spencer Day — Feb. 23, 2026 RIMS-CRO Certificate Program In Advanced Enterprise Risk Management | April‒June 2026 Cohort | Led by James Lam RIMS Compensation Survey 2025 — Download Today  RIMS Risk Management magazine | Contribute RIMS Now RIMS-Certified Risk Management Professional (RIMS-CRMP)| Insights Video Series Featuring Joe Milan! The Strategic and Enterprise Risk Center RIMS Diversity Equity Inclusion Council RIMS-CRMP Story, featuring John Button RIMScast Canada — Debut Episode Now Live Upcoming RIMS-CRMP Prep Virtual Workshops: RIMS-CRMP Exam PrepMarch 10‒11 | April 21‒22, 2026 | June 9‒10 RIMS-CRMP-FED Exam Prep:  Feb 17‒18 | Led by Joseph Mayo Full RIMS-CRMP Prep Course Schedule See the full calendar of RIMS Virtual Workshops RIMS Virtual Workshop — "Facilitating Risk-Based Decision Making" | March 4‒5 | Register Now "Risk Appetite Management" | March 25‒26 "Claims Management" | April 7‒8 "Emerging Risks" | April 15 | Register Now! Upcoming RIMS Webinars: "Hard Hats & High Stakes: Women Leaders Shaping Construction Risk Management" | March 6 | Presented by RIMS "Don't Waste the Soft Market: Where to Reinvest Insurance Savings Before the Window Closes" | March 12 | Sponsored by Global Risk Consultants RIMS.org/Webinars   Related RIMScast Episodes: "Investing In Yourself with RIMS 2026 President Manny Padilla" RIMS Public Policy Committee: "Navigating Cyber and IT Practices to Legal Safe Harbors" "Spencer Day 2026 | The Future of Strategic Risk Management" "Risk Outlook '26 with Morgan O'Rourke and Hilary Tuttle"   Sponsored RIMScast Episodes: "Secondary Perils, Major Risks: The New Face of Weather-Related Challenges" | Sponsored by AXA XL  (New!) "The ART of Risk: Rethinking Risk Through Insight, Design, and Innovation" | Sponsored by Alliant "Mastering ERM: Leveraging Internal and External Risk Factors" | Sponsored by Diligent  "Cyberrisk: Preparing Beyond 2025" | Sponsored by Alliant  "The New Reality of Risk Engineering: From Code Compliance to Resilience" | Sponsored by AXA XL  "Change Management: AI's Role in Loss Control and Property Insurance" | Sponsored by Global Risk Consultants, a TÜV SÜD Company  "Demystifying Multinational Fronting Insurance Programs" | Sponsored by Zurich  "Understanding Third-Party Litigation Funding" | Sponsored by Zurich  "What Risk Managers Can Learn From School Shootings" | Sponsored by Merrill Herzog  "Simplifying the Challenges of OSHA Recordkeeping" | Sponsored by Medcor "How Insurance Builds Resilience Against An Active Assailant Attack" | Sponsored by Merrill Herzog "Third-Party and Cyber Risk Management Tips" | Sponsored by Alliant   RIMS Publications, Content, and Links: RIMS Membership — Whether you are a new member or need to transition, be a part of the global risk management community! RIMS Virtual Workshops On-Demand Webinars RIMS-Certified Risk Management Professional (RIMS-CRMP) RISK PAC | RIMS Advocacy RIMS Strategic & Enterprise Risk Center RIMS-CRMP Stories — Featuring RIMS President Manny Padilla!   RIMS Events, Education, and Services: RIMS Risk Maturity Model®   Sponsor RIMScast: Contact sales@rims.org or pd@rims.org for more information.   Want to Learn More? Keep up with the podcast on RIMS.org, and listen on Spotify and Apple Podcasts.   Have a question or suggestion? Email: Content@rims.org.   Join the Conversation! Follow @RIMSorg on Facebook, Twitter, and LinkedIn.   About our guest: Mark Prysock, RIMS General Counsel & VP External Affairs   Production and engineering provided by Podfly.

Brian Jacobsen and Ben Ayers break down the January CPI report. Ben says there's a “lot of great news” in the report, digging into his highlights. Brian agrees, stressing the “slow grind lower” over the last few years and speculating that businesses won't be able to push prices higher because of competitive forces and a squeezed consumer. They discuss concerns ahead, including whether the market has priced in a lot of the good news already.======== Schwab Network ========Empowering every investor and trader, every market day.Options involve risks and are not suitable for all investors. Before trading, read the Options Disclosure Document. http://bit.ly/2v9tH6DSubscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/About Schwab Network - https://schwabnetwork.com/about

Send a textAs automation and artificial intelligence reshape the future of work, educators face a critical question: Are we preparing students for a world defined by automation and innovation?In this episode of The Brighter Side of Education, Dr. Lisa Hassler speaks with Camp, Head of Teaching and Learning at New England Innovation Academy, about how competency-based learning and human-centered design can work together to support meaningful, future-ready education.The conversation explores research-backed approaches to assessment, including evidence showing that competency-based environments grounded in strong student–teacher relationships improve student achievement. John shares how schools can maintain academic rigor while shifting the focus from grades to demonstrated mastery, transferable skills, and ethical technology use.Listeners will gain insight into:The limitations of traditional grading systemsHow competency-based assessment supports deeper learningThe role of human-centered design in student engagement and belongingResponsible approaches to integrating AI in teaching and learningSmall, actionable changes educators can make to innovate within constraints

Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society.   In this episode, Justin interviews RIMS 2026 President Manny Padilla on several topics, including his first connection with RIMS and his attendance at RISKWORLD on a scholarship. Manny is the first RIMS president of Hispanic descent. This is a historic moment. Manny remarks on the support for diversity he has experienced in RIMS since joining.   Manny's background spans corporate risk leadership, military service, and teaching. Manny speaks of his teaching practices and how he links the academic side to real situations and strategies the students will face. Manny shares anecdotes from his military service. Justin and Manny discuss the objectives of the RIMS Legislative Summit in Washington, D.C., on March 18th and 19th, and Manny invites all members to register and participate.   Manny continues the interview with reflections on the RIMS-CRMP, other certifications and designations, and how investing in developing yourself will make you stand out as a risk practitioner. Justin and Manny discuss the nature of polycrisis. Manny asks you to participate and become involved in your RIMS chapter and educational events.   Listen for career advice for both new risk practitioners and seasoned risk professionals.   Key Takeaways: [:01] About RIMS and RIMScast. [:16] About this episode of RIMScast. We are delighted to be joined by RIMS 2026 President Manny Padilla. We're going to learn about his plans for the presidency and his unique career in risk and pre-risk. But first… [:47] RIMS Virtual Workshops. The next RIMS-CRMP-FED Virtual Workshop will be led by Joe Mayo on February 17th and 18th. On March 10th, we have a RIMS-CRMP Exam Prep with John Button, a recent RIMScast guest. [1:04] On March 4th and 5th, we have a virtual workshop, "Facilitating Risk-Based Decision Making" with Joe Milan. Register today and strengthen your risk knowledge! RIMS members always enjoy deep discounts on the virtual workshops. [1:21] Webinars. On March 6th, RIMS presents "Hard Hats & High Stakes: Women Leaders Shaping Construction Risk Management". We'll be joined by a Chief Risk Officer, an underwriter, and a broker. [1:36] They will explore their career paths, risk and safety philosophies, and lend some insight as to why this is the time for the next generation of leaders to rise. [1:47] On March 12th, Global Risk Consultants returns with "Don't Waste the Soft Market: Where to Reinvest Insurance Savings Before the Window Closes". Register for these and other webinars by visiting RIMS.org/webinars and the link in this episode's show notes. [2:07] The RIMS 2025 Compensation Survey is now available through the link in this episode's show notes. The survey incorporates data from 867 U.S. and 201 Canadian Risk Professionals. Download it today and see how you measure up to your peers. [2:25] RIMScast has its first spinoff, RIMScast Canada! It is a video podcast hosted by RIMS Canada Conference Committee Chair, Aaron Lukoni, with Justin as co-host. Check it out at RIMS.org/canada. This is a monthly series, and we are stoked to share it with you! [2:50] On with the Show! I am so pleased to present our guest today! He has been a big supporter of RIMScast for years! I'm thrilled that he is our 70th President here at RIMS. I'm talking about Manuel "Manny" Padilla. [3:05] Manny was RIMS 2025 Vice President. He's been a positive force on the Board. He is also the Vice President for Risk Management & Insurance for MacAndrews & Forbes, Inc. He is a RIMS-CRMP holder. He truly loves risk management! He will be a fantastic RIMS President! [3:26] We're going to talk about his career pre-risk-management and bring us up to the present, what his experience with RIMS has been like, and his perspective on what it takes to achieve success in the profession today. Let's get to it! [3:40] Interview! RIMS 2026 President Manny Padilla, welcome to RIMScast! [4:02] Manny says everyone's energy is up there, and he's looking forward to having a very positive 2026. [4:16] Manny says that being Vice President involved a lot of learning. He says that the RIMS board participation is very much a training program. You learn to see how the organization responds. In the Executive Board, you start to see how RIMS is run. [4:34] Manny says, as you move forward from Secretary to President, you pick up a lot of training. It's a good training program. [5:00] Manny says that on the Board, there's a lot of excitement and a lot to do. There's a lot of information to impart to our professional society. We're very active and motivated to get that information out there. [5:15] Manny is the 70th president of RIMS. In 1992, Manny attended RISKWORLD in New Orleans through the Anita Benedetti Student Involvement Program. The information was on a board at the College of Insurance. He applied for it and was sponsored to attend. [6:30] In the College of Insurance, Manny was sponsored by an insurance company as an assistant junior underwriter, in the days when computers were just meant to write letters and fill out policy forms. He knew just one side of the business. [6:55] Going to RISKWORLD got Manny out of New York for a week. When he learned what risk management was, his eyes opened, and he said, this is what fits best for me. It was looking at risk strategically and doing things to protect the company's assets. That resonated with him. [7:48] When underwriters and brokers answer the phone, often it's with Hello, this is (Company). How can I help you? Manny says that when he answers the phone, it's with Hello, this is (Company), this is Manuel Padilla. I hope you're having a great day! How can I help you? [8:04] That approach made a difference. From the very first, Manny found that this is a relationship business. It's very direct. You know who you're doing business with. People have an open mind and are willing to listen and hear you out. [8:41] Manny has relationships over the years through RISKWORLD; some have become primary vendors. He notes that there has been a lot of change in the last decade, and since COVID, there's a whole new group of professionals. Some are going to RISKWORLD for the first time. [9:20] Manny says, as our technology develops, and as we become more crucial to the companies we manage and represent, he sees it on the floor at RISKWORLD. As risk professionals, you need to step out from behind the table and go into the industry. [9:52] The industry is welcoming and will provide you with a significant number of opportunities. [10:17] Manny Padilla is the first RIMS President of Hispanic descent. He finds that personally meaningful, but says that RIMS has always extended a hand to all. He felt that when he first stepped onto the conference floor. He has met some unique people and friends through RIMS. [11:02] Manny says it's great to get the recognition, but it's secondary. RIMS is a good environment. If you're looking at a career change or looking to expand your horizons, this is the organization that you team up with for development. [11:42] The bigger picture and strategy are built into risk management. Risk managers do better when they raise their hand and say, "This doesn't smell right." They tend to be strategic, forward-thinking, and practical when executing their jobs. Manny speaks up at Board meetings. [12:30] Seeing the big picture comes with a responsibility. Not being able to operate a significant portion of your business or have your product on the shelves sends your customers to your competitor. [13:39] Manny gives a shoutout to all veterans in RIMS and shares some thoughts from his military experience. He was in the Navy 24 hours after he graduated from high school. He has been to every country except those that are sanctioned. He was in the Navy from 1982 to 1988. [14:50] He says it was a wonderful time. The Berlin Wall came down while he was in the military. [15:03] Manny was an Assistant Master-at-Arms for Fighter Squadron 124 in San Diego. The movie Top Gun was filmed on the base at Miramar Naval Air Station. Manny met Tom Cruise and the rest of the crew briefly during the filming. [15:57] Some of the Squadron 124 instructors were in the movie as background in the club scene. The Top Gun character was based on a real pilot, who later went into state government. [17:01] Manny is an adjunct at the Greenberg School of Risk Management. He has some latitude in how he teaches. What he teaches is centered on a set of accepted books and information. There's the technology the students need to know, and the practice that he teaches them. [17:42] Manny links the definitions, structures, and policy designs to real-world situations and his experience on how those situations were handled. A lot of it has to do with the customization of products and policies to address typical risk exposures. [18:01] It goes to the risk management process, RIMS-CRMP issues, and ARM-type approaches. Every policy and program is custom, based on the risk appetite and risk tolerance of the insured company and what they've decided to do. [18:25] Quick Break! RISKWORLD 2026 will be held from May 3rd through the 6th in Philadelphia, Pennsylvania. RISKWORLD attracts more than 10,000 risk professionals from across the globe. It's time to Connect, Cultivate, and Collaborate with them. [18:44] Booth sales are open now. General registration and speaker registration are also open. Marketplace and hospitality badges will be available starting March 3rd. Links are in the show notes. Check RIMS.org for more information. [19:02] The Spencer Educational Foundation will also have a presence at RISKWORLD. Spencer's CEO, Megan Miller, recently joined us on RIMScast. February 23rd 2026, will mark the 7th Annual Spencer Day. [19:19] We believe in celebrating this industry's diverse and talented future and would love for everyone to join us in this virtual celebration. Visit SpencerEd.org and help us reach our fundraising goal of $7,500 to support an additional scholarship that will be awarded this Spring. [19:37] We're hoping you will make a $47 donation today, in honor of Spencer's 47th year of operation. A link to Spencer Day is in this episode's show notes. [19:48] You can visit SpencerEd.org. There is also a link to Megan's appearance on RIMScast in this episode's show notes. [19:57] Let's Return to Our Interview with RIMS 2026 President, Manny Padilla! [20:07] Manny says there is much overlap between ISO and COSO. He doesn't do one versus the other; he does both. Both have shared technologies and wording. You need to understand each because you can be in different jurisdictions with audits that may be biased toward one. [21:12] Manny explores the meanings of investing in yourself. For early-career professionals, it's building your technical depth and professional credibility. It means understanding policies, claims dynamics, the financial impact on you, and how the industry comes into play. [21:56] For seasoned professionals, the investment is fluency in strategic issues. It's understanding enterprise risk, governance, capital strategy, and how emerging risks are changing, through technology, geopolitics, climate, and litigation, and how they interact. [22:30] It also means investing time in mentoring and developing future leaders. It expands your ability to manage your duties, brings new ideas into the industry, and is important for your brand. [22:48] It's your career. If your company won't pay for you to go to RISKWORLD, remember it's your future and your brand. Invest in your brand. You're the person who carries it forth into the future. You need to see where the movers and shakers are heading. You will learn from them. [24:27] The RIMS Legislative Summit is on March 18th and 19th. Manny says it's a little challenging and overwhelming to think of going into the government to speak with Congressmen, Senators, and other legislative folks. [25:01] It helps you develop new skills. Manny learned how to approach and discuss sensitive topics with regulatory bodies and meet with other people who are focused on that area. [25:17] Manny says, when you sit across the table to discuss the Federal flood program, the terrorism program, the pandemic risk insurance program, and the qualified risk manager description, and you move it through various channels, it's mind-boggling and most rewarding. [25:41] While you're a risk insurance person, you're not there to represent your company. You're there to represent RIMS and the risk profession. [26:05] Manny has a 20-plus-year relationship with the Coast Guard Auxiliary. They have a legislative group there, and Manny will generally step into the office and say hello and figure out how things are going and how policy gets through. [26:27] At the RIMS Legislative Summit, you're there to pitch a very specific set of topics. They are very willing to listen to the topics. In some cases, they are the policy experts on those topics. What they are looking for is a variety of different approaches from actual professionals. [26:52] They refine their development of policy based on these meetings. Manny says it is very helpful to participate, and you're all invited. [27:05] Manny says the pitch is specific to a specific person, such as the Senator involved in Federal flood insurance. Manny explains how you can team up with other legislators to come on board with your pitch. [28:15] Manny says he likes pairing with a risk professional to meet legislators. He says, in some cases, we have affiliations with some insurance carriers, brokerages, and vendors. He likes going with them, as well. In some cases, they have a robust system in place. [28:32] Manny says it's good to see the professionals at the table and how they do it. But as professional risk managers, we don't do too badly. We add a lot of value, and the legislators do appreciate that. [28:54] Justin shares his experience of going with Mark Prysock, RIMS GC, Robert Cartwright, RIMS President at the time, and Gary Raymond of FedEx at the time. Justin shadowed them and watched how they worked. [29:31] RIMS has legislative priorities. Major priorities are the Federal Flood Program and the Terrorism Risk Act. Manny says that what tends to happen is that every year they get extended for a short period until Congress comes together to argue about something else. [29:55] It's always under a threat of not being renewed, but then it gets extended again. Manny says it's a key issue that keeps coming up. Manny says to look at the Legislative Affairs page at RIMS.org/advocacy for the list of priorities. [30:21] The first day of the RIMS Legislative Summit is for sitting down and talking about the specifics of each of the items. Then we bring in some experts in each particular area to talk about what is on the floor to be able to get through Congress to final agreements. [30:47] Justin announces that Mark Prysock will be on RIMScast next week to do a deeper dive on the RIMS Legislative Summit. [31:13] Quick Break! The RIMS CRO Certificate Program in Advanced Enterprise Risk Management is RIMS' live virtual program, led by James Lam. Great News! A brand new cohort has been announced. Registration closes on April 6th. [31:34] Beginning on April 14th, bi-weekly workshops will be held from 11:00 a.m. to 3:00 p.m. Eastern Time through June 23rd. Register now! A link is also in this episode's show notes. [31:46] Save the dates, March 18th and 19th, 2026, for the RIMS Legislative Summit, which will be held in Washington, D.C. Join us for two days of Congressional Meetings, networking, and advocating on behalf of the risk management community. [32:03] Book your hotel room at the Sofitel Washington, D.C. in Lafayette Square by February 16th after you register for the event, and you will receive a special RIMS rate of $359 per night. [32:18] Let's Conclude Our Interview with RIMS 2026 President, Manny Padilla. [32:30] Manny has several certifications after his name. The first is RIMS-CRMP. Justin first interviewed Manny after the RIMS-CRMP. In that interview, Manny said the RIMS-CRMP helps risk professionals stand out by signaling a commitment to continuous learning. [33:25] Manny looks at designations and certification as how you stack up with your peers and how corporations look at you, compared to others. Certifications prove your higher knowledge. [33:54] RIMS recently released the Compensation Survey. If you start looking at the differences in pay, pay for persons who have no designation vs. those who have any designation, vs. those who have the RIMS-CRMP certification, you will see the difference in the six figures. [34:44] Manny would rather have a nice designation and a job that pays six figures more than a job for a person with no designation. You also have to demonstrate love for the industry and prove that you're keeping up. [35:12] A good portion of Manny's designations are based on his major in risk management and insurance. However, the technology, words, and approach have changed during his career. A risk manager became a strategic risk manager, then an enterprise risk manager. What comes next? [35:50] Manny states that we should be certified and have these designations so that we understand the world we are living in. [36:08] Manny says we are facing a convergence of risks, or a polycrisis. We have geopolitical instability, accelerated technology adoption, climate expectations, and an increasingly complex litigation environment. The financial world depends on what the government says at any time. [36:39] Manny asserts that these risks don't exist independently anymore. Manny deals with catastrophes every day. He's trying to stay one step ahead of the calamities. We need to start acknowledging the strategic nature of risks and the ability to address them simultaneously.  [37:09] We also need to keep in mind that we live in an environment where digital access to information, data, and real financial information comes very quickly. [37:23] Twenty years ago, you could have major catastrophes in countries around the world, and if you weren't directly impacted by it, you didn't pay attention to it. It would take weeks to get basic information on them. Today, information comes to us at a mind-boggling velocity. [37:59] Justin and Manny discuss last year's L.A. wildfires and how the people are still reeling from them. [38:44] Manny, it's been such a pleasure to see you, and I'm very much looking forward to what you're going to bring to the presidency this year. Are there any parting words regarding what people can expect at RISKWORLD, or anything you are working on? [39:10] Manny says, I would basically say many thanks to all of you who are listening here. It's an honor to have been selected as the 2026 RIMS President. I ask that each of you participate with RIMS at our many professional events and learning opportunities. [39:27] We are seeking out leaders and participants for our chapters, the many committees we support, and at our legislative events. Don't be shy. Engage. Invest in yourself. And see you all at RISKWORLD! [39:44] Special thanks again to RIMS 2026 President, Manny Padilla, for rejoining us here on RIMScast! It is always a pleasure to see him. I've got links to Manny's prior RIMScast episode as well as the press release announcing his presidency. [40:00] Manny will be at the RIMS Legislative Summit on March 18th and 19th in Washington, D.C. That's two days of advocating for the best interests of the risk profession. You must be a member to attend. [40:15] Book your hotel room by February 16th to register and reserve your hotel room at the special RIMS rate of $359 per night at the Sofitel Washington D.C. Register at RIMS.org/advocacy. [40:30] Plug Time! You can sponsor a RIMScast episode for this, our weekly show, or a dedicated episode. Links to sponsored episodes are in the show notes. [40:58] RIMScast has a global audience of risk and insurance professionals, legal professionals, students, business leaders, C-Suite executives, and more. Let's collaborate and help you reach them! Contact pd@rims.org for more information. [41:17] Become a RIMS member and get access to the tools, thought leadership, and network you need to succeed. Visit RIMS.org/membership or email membershipdept@RIMS.org for more information. [41:34] Risk Knowledge is the RIMS searchable content library that provides relevant information for today's risk professionals. Materials include RIMS executive reports, survey findings, contributed articles, industry research, benchmarking data, and more. [41:51] For the best reporting on the profession of risk management, read Risk Management Magazine at RMMagazine.com. It is written and published by the best minds in risk management. [42:05] Justin Smulison is the Business Content Manager at RIMS. Please remember to subscribe to RIMScast on your favorite podcasting app. You can email us at Content@RIMS.org. [42:17] Practice good risk management, stay safe, and thank you again for your continuous support!   Links: RISKWORLD 2026 Registration — Open for exhibitors, members, and non-members! Reserve your booth at RISKWORLD 2026! Spencer Educational Foundation | Spencer Day — Feb. 23, 2026 RIMS Legislative Summit — March 18‒19, 2026 on Capitol Hill, Washington, D.C. | Register now! RIMS-CRO Certificate Program In Advanced Enterprise Risk Management | April‒June 2026 Cohort | Led by James Lam RIMS Newsroom: Manny Padilla Named 2026 President of RIMS RIMS Leadership Corner: Polycrisis Meets Polysolutions RIMS Compensation Survey 2025 — Download Today RIMS Risk Management magazine | Contribute RIMS Now RISK PAC | RIMS Advocacy RIMS-Certified Risk Management Professional (RIMS-CRMP) | Insights Video Series Featuring Joe Milan! The Strategic and Enterprise Risk Center RIMS Diversity Equity Inclusion Council RIMS-CRMP Story, featuring John Button RIMScast Canada — Debut Episode Now Live Upcoming RIMS-CRMP Prep Virtual Workshops: RIMS-CRMP Exam PrepMarch 10‒11 | April 21‒22, 2026 | June 9‒10 RIMS-CRMP-FED Exam Prep: Feb 17‒18 | Led by Joseph Mayo Full RIMS-CRMP Prep Course Schedule RIMS Virtual Workshop — "Facilitating Risk-Based Decision Making" | March 4‒5 | Register Now See the full calendar of RIMS Virtual Workshops Risk Foundations Certificate Program | Feb. 10 Upcoming RIMS Webinars: "Hard Hats & High Stakes: Women Leaders Shaping Construction Risk Management" | March 6 | Presented by RIMS "Don't Waste the Soft Market: Where to Reinvest Insurance Savings Before the Window Closes" | March 12 | Sponsored by Global Risk Consultants RIMS.org/Webinars   Related RIMScast Episodes: "Spencer Day 2026 | The Future of Strategic Risk Management" "Risk Outlook '26 with Morgan O'Rourke and Hilary Tuttle" "James Lam on ERM, Strategy, and the Modern CRO"   Sponsored RIMScast Episodes: "Secondary Perils, Major Risks: The New Face of Weather-Related Challenges" | Sponsored by AXA XL (New!) "The ART of Risk: Rethinking Risk Through Insight, Design, and Innovation" | Sponsored by Alliant "Mastering ERM: Leveraging Internal and External Risk Factors" | Sponsored by Diligent "Cyberrisk: Preparing Beyond 2025" | Sponsored by Alliant "The New Reality of Risk Engineering: From Code Compliance to Resilience" | Sponsored by AXA XL "Change Management: AI's Role in Loss Control and Property Insurance" | Sponsored by Global Risk Consultants, a TÜV SÜD Company "Demystifying Multinational Fronting Insurance Programs" | Sponsored by Zurich "Understanding Third-Party Litigation Funding" | Sponsored by Zurich "What Risk Managers Can Learn From School Shootings" | Sponsored by Merrill Herzog "Simplifying the Challenges of OSHA Recordkeeping" | Sponsored by Medcor "How Insurance Builds Resilience Against An Active Assailant Attack" | Sponsored by Merrill Herzog "Third-Party and Cyber Risk Management Tips" | Sponsored by Alliant   RIMS Publications, Content, and Links: RIMS Membership — Whether you are a new member or need to transition, be a part of the global risk management community! RIMS Virtual Workshops On-Demand Webinars RIMS-Certified Risk Management Professional (RIMS-CRMP) RISK PAC | RIMS Advocacy RIMS Strategic & Enterprise Risk Center RIMS-CRMP Stories — Featuring RIMS President Manny Padilla!   RIMS Events, Education, and Services: RIMS Risk Maturity Model®   Sponsor RIMScast: Contact sales@rims.org or pd@rims.org for more information.   Want to Learn More? Keep up with the podcast on RIMS.org, and listen on Spotify and Apple Podcasts.   Have a question or suggestion? Email: Content@rims.org.   Join the Conversation! Follow @RIMSorg on Facebook, Twitter, and LinkedIn.   About our guest: Manny Padilla, RIMS President 2026 Vice President, Risk Management & Insurance, MacAndrews & Forbes Inc.   Production and engineering provided by Podfly.  

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Time to dive into the Headlines featuring bad news from the Bruins who are taking on the Panthers, but lost Charlie McAvoy to injury and a wild day of NBA trades. Then, Chris Price from The Boston Globe joins the show and mentions how the best chance for the Patriots to win is to limit Jaxon Smith-Njigba. And, all of Patriot Nation can breathe a sigh of relief as Drake Maye was listed as a full participant in the first pool injury report of the week.

Americans want their kids to receive the best education that fits their child. Dr. Keri Ingraham, Director of the American Center for Transforming Education, joins us with details on a new federal scholarship program that helps make this possible. American Center for Transforming Education | Discovery Institute (https://www.discovery.org/education/)

Vic Fangio Retirement talk? - Eagles hire Josh Grizzard - Joel Embiid drops 40 AND gets ASG Snub, for now. Paul George Suspended! Gametime Ticket Offer: $20 off with code "FARZY" at gametime.co The Farzy Show presented by MyBookie Promo: No-strings-attached cash bonus up to $200 Promo Codes: FARZY ..  https://mybookie.website/joinwithFARZYManscaped Offer: 20% off AND Free Shipping with code "Farzy20" at Manscaped.comCopyright Disclaimer under section 107 of the Copyright Act 1976, allowance is made for “fair use” for purposes such as criticism, comment, news reporting, teaching, scholarship, education and research. Fair use is a use permitted by copyright statute that might otherwise be infringing.

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Send us a textHow can STEM education keep pace with a rapidly changing world? In this episode of The Brighter Side of Education, host Dr. Lisa Hassler explores innovative approaches to STEM learning with Dr. Jennifer Berry, CEO of SmartLab.This conversation examines how authentic, project-based STEM experiences help students build STEM identity, develop problem-solving skills, and see real connections between classroom learning and future careers. Drawing on research, classroom examples, and real-world applications, Dr. Berry explains why purpose matters more than tools—and how productive struggle, community partnerships, and industry-aligned learning environments can expand access and opportunity for all students.Listeners will gain insight into:• Why STEM identity is critical for student engagement and persistence• How real-world problems strengthen learning outcomes• Ways schools can integrate STEM without overhauling entire systems• The role of educators, facilitators, and communities in equitable STEM access• Preparing students with human skills that matter in an AI-driven futureWhether you're an educator, school leader, parent, or policymaker, this episode offers research-grounded strategies for preparing students for careers that don't yet exist—while keeping learning meaningful, inclusive, and future-ready.Great News! The Brighter Side of Education is now CPD Accredited! Sponsored by Dr. Gregg Hassler Jr., DMDTrusted dental care for healthy smiles and stronger communities—building brighter futures daily. Head to the show notes to find if this episode is CPD eligible and details on how to claim your CPD certification!Sponsored by Dr. Gregg Hassler Jr., DMDTrusted dental care for healthy smiles and stronger communities—building brighter futures daily.Support the showIf you have a story about what's working in your schools that you'd like to share, email me at lisa@drlisahassler.com or visit www.drlisahassler.com. Subscribe, tell a friend, and consider becoming a supporter by clicking the link: https://www.buzzsprout.com/2048018/support. The music in this podcast was written and performed by Brandon Picciolini of the Lonesome Family Band. Visit and follow him on Instagram.

Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society.   In this episode, Justin interviews Susan Hiteshew about her career path, from long-time risk manager to broker, and how her foundation in risk provides her with corporate empathy and understanding of her clients. They cover key principles Susan learned on the way, how she intentionally made a change, and how her risk philosophy helps her as a broker. Susan shares points from her risk philosophy and the benefits she realized from the RIMS-CRMP, as well as from serving on the National RIMS Board.   Listen for key factors in a great trisk management team.   Key Takeaways: [:01] About RIMS and RIMScast. [:17] About this episode of RIMScast. We will be joined by Susan Hiteshew, a long-time risk professional, to discuss how she successfully transitioned over to the broker side. We will also get her ERM philosophy and how it still guides her to this day. But first… [:47] RIMS-CRMP and Some Prep Courses. The next virtual prep courses will be held on March 110th and 11th and again on April 21st and 22nd. Links to these courses can be found through the Certification page of RIMS.org and through this episode's show notes. [1:04] RIMS Virtual Workshops are coming up. On February 2nd and 3rd, Pat Saporito will host the debut of the two-day course, "Storytelling with Data for Risk Management". [1:18] On February 4th and 5th, Ken Baker will return to deliver the course, "Applying and Integrating ERM". [1:28] The full schedule of virtual workshops can be found on the RIMS.org/education and RIMS.org/education/online-learning pages. A link is also in this episode's notes. [1:39] RIMS members always enjoy deep discounts on the virtual workshops. [1:43] The next RIMS Webinar will celebrate Women's History Month by exploring "Hard Hats & High Stakes: Women Leaders Shaping Construction Risk Management" on March 6th. [1:53] We'll be joined by a Chief Risk Officer, an underwriter, and a broker, who will explore their career paths and risk and safety philosophies, and lend some insight as to why this is the time for the next generation of leaders to rise. [2:08] Visit RIMS.org/webinars and check out the link in this episode's show notes. [2:12] On with the show! Our guest today is the Managing Director and Office Head for Marsh's Washington, D.C. Office. Before accepting that role, she had 16 years of experience in risk management. She was one of the first RIMS-CRMP certificate holders. She's Susan Hiteshew. [2:35] We're going to talk about her career and why she decided to make a transition over to the broker side with Marsh. We'll also talk about her ERM philosophy and how it continues to guide her to this day. [2:47] We will also talk about strategy and the concept of professional empathy. Let's get to it… [2:54] Interview! Susan Hiteshew, welcome to RIMScast! [3:34] Susan can't imagine a better way to start 2026 than getting to be here on RIMScast with Justin! [4:00] For years, Susan was a corporate risk manager. Most recently, she was the VP of Risk at a real estate investment trust. Before that, she was Senior Director of Insurance at a major hotel brand and had filled other risk roles. [4:25] Susan says that before she got started as a risk manager, she began her career in claims. She worked in a specialized unit on the carrier side, analyzing legacy claims for coverage. They printed policies, read them, and manually wrote claims notes on them. [4:57] Susan says it was a great way to learn the coverages and understand the underwriting intent of the policies. That foundation taught her that insurance is technically complex and that there's a policyholder on the other end who will be getting your coverage letter in the mail. [5:19] Susan says insurance is a people business, even though it is very much a technical business. It's a form of strategic finance. [5:28] Susan learned as a risk manager the value in building that downside protection for your company and creating predictability in your cost of risk so that your business can operate with confident margins. [5:44] As a risk manager, Susan implemented that approach into how she thought about ERM. She thinks the most successful ERM programs are very collaborative across different business units and are built upon the spirit that everyone's a risk manager. [6:05] Risk is something we all own for our company. Susan's focus was always on supporting her executive team and board, and giving them information in clear, cogent, and actionable ways. [6:24] Susan speaks of frameworks. Risk and strategy are two sides of the same coin. Some risks are quantifiable and insurable; some risks are not. [6:36] Enterprise risk management is about understanding all risks, creating awareness around them, and mobilizing your company to focus on those risks in every part of your organization, at every level. Susan finds value in both ISO and COSO. She leans more toward COSO. [7:19] ERM was different at every company Susan worked with, tailored to the company and the business. It was collaborative. So much of enterprise risk management is taking who you are as a company, where you're trying to go, and building a framework that makes the most sense. [8:11] Susan was a risk manager for about 16 years. [8:20] Susan had reached the point where she wanted to broaden her impact across the board. Every time she made a change in her career, it was because she wanted to try something new and learn something different. [9:09] The timing felt right. She had had a lot of different in-house experiences, so she could sit across from a client and say she had been in their seat and knows what they are thinking through from an insurance perspective, and she can help them solve their issues. [9:32] At different companies, a risk manager does different things. Susan had had different areas of responsibility in insurance, claims, captive management, and enterprise risk management. What she loved the most was the insurance side. [10:05] Susan asked herself, wouldn't it be great if she could do what she loved most, all the time, for lots of clients? She loves that in her role now, leading the D.C. office for Marsh, she gets to help lots of clients with lots of different problems. She loves supporting risk managers. [10:44] Susan says the reason that she's been able to do what she's done in her career is because of support from others in the industry. She's having a lot of fun, working on helping clients with interesting problems. She thinks professional empathy helps her support clients. [11:23] Quick Break! The RIMS CRO Certificate Program in Advanced Enterprise Risk Management is RIMS' live virtual program, led by James Lam. Great News! A brand new cohort has been announced. Registration closes on April 6th. [11:44] Beginning on April 14th, bi-weekly workshops will be held from 11:00 a.m. to 3:00 p.m. Eastern Time through June 23rd. Register now! A link is also in this episode's show notes. [11:57] Save the dates, March 18th and 19th, 2026, for the RIMS Legislative Summit, which will be held in Washington, D.C. Join us for two days of Congressional Meetings, networking, and advocating on behalf of the risk management community. [12:13] Visit RIMS.org/advocacy for more information and updates and to register. [12:21] Let's Return to Our Interview with Susan Hiteshew! [13:08] Susan says that where her background is most helpful is in her claims foundation. It trained her to interpret coverage, to understand the intent of policy language, and to understand all that goes into resolving complex claims. [13:24] As a risk manager, Susan learned what Accounting needs, what Finance needs, and what a CFO needs when something "has gone bump in the night" and there's a significant claim issue. [13:37] Susan can tie all that together to support a risk manager and say, "You might want to have a conversation with Accounting about this. What do you have budgeted for this? Let's have a conversation with Finance about this. Is Legal involved? Do we have clarity on Operations?" [13:55] Susan's years in-house taught her how to pull all of those different components of the organization together. A good risk manager knows and works with everybody in their company. There are many internal and external stakeholders.  [14:19] Susan helps risk managers navigate tough situations and know whom to talk to before needing to get in front of them, to bring a tough situation to a good resolution, with everybody being aware and having the opportunity to give input to bring the situation to a close. [14:41] Justin notes that the risk manager needs to be the point guard for the organization. Susan agrees. She coaches her daughter's basketball team. [15:20] Susan notes that risk managers save the company money, but in most cases, they don't generate income, so it's important to run an efficient risk management team with the resources to work with and support everybody in the company. The team size differs for every business. [16:19] Susan has loved every stop along the way in her career. Each one has been different. She has worked with amazing people. She looked for work where she would be professionally challenged, learn a lot, and work with awesome people she can learn from at every level. [17:06] When Susan was ready to try being on the broker side, she was very intentional about it. She is so grateful for her choice. She has absolutely loved this transition. [17:23] Quick Break! RISKWORLD 2026 will be held from May 3rd through the 6th in Philadelphia, Pennsylvania. RISKWORLD attracts more than 10,000 risk professionals from across the globe. It's time to Connect, Cultivate, and Collaborate with them. Booth sales are open now! [17:45] General registration and speaker registration are also open right now! Marketplace and Hospitality badges will be available starting on March 3rd. Links are in this episode's show notes. Be sure to check out RIMS.org for more information. [18:01] Let's Return to Our Interview with Susan Hiteshew! [18:22] Susan joined RIMS in 2011. She attended RISKWORLD in Philadelphia and is excited that RISKWORLD is back in Philadelphia this year, from May 3rd through 6th. There is a lot to do in Philadelphia, and it's very convenient for East Coast members. [19:07] Susan says it's awesome to have RIMS-CRMP as part of her title. It's a designation that means something. It's tied to helping a risk manager get to the next level of connecting the risk and strategy for their organization. [19:32] Susan took the RIMS-CRMP in the first group, in San Diego, in 2016. She was so excited to get the certification. Having the RIMS-CRMP and being active in RIMS gave her a wider lens on the profession than just seeing risk through the lens of one industry or company. [20:14] RIMS exposed Susan to a much broader network and helped her build her professional network.  [20:34] Susan says the RIMS-CRM shows you keep up with all the CEs every two years. [20:51] Susan says serving on the National RIMS Board and as the Board liaison for the Audit Committee in the past was an incredible experience. It put her at the intersection of governance, oversight, and strategic risk thinking. She saw how the Board evaluates controls. [21:19] When Susan was on the Board, they had outside counsel come in and give several different board trainings on governance and how to be good supporters and board members, and understand how to do their job effectively. [21:34] Working in that capacity helped Susan to sharpen her appreciation for transparency and disciplined communication, which were skills she was able to bring back to her role as a risk manager and other work she does. [21:50] Susan serves on an advisory board for her daughter's school and on the board of a privately-held real estate firm in D.C. Being on the RIMS Board taught her about how to be a good advisor for the executive team. [22:35] Susan says it's interesting to look at how the risk environment has changed. Marsh published the "World Economic Forum Global Risk Report" at the end of 2025. It talks about how risks are managed across the world by business executives, experts, and academics. [23:01] Susan says it's interesting to see what risks they call out and how the risks change from one year to the next. The report is a fascinating read for people who are looking at external risks and how they might impact their company. [23:16] Susan says the risk environment is incredibly dynamic. There are risks in the Risk Report that weren't there two years ago that are now in the top five risks. [23:30] Susan believes Enterprise Risk Management is strategic, not administrative. Leaders need dynamic, real-time insights to help them connect risk directly to their business outcomes. [23:45] Susan says tools and analytics are being used to help break down historically uninsurable risks into parts that can be actionable and solvable. [24:15] Susan says expectations for talent are changing. We need risk professionals who can interpret analytics, communicate clearly, and help support executive decision-making processes. The connection between risk and strategy is becoming more imperative. [25:10] How you identify your risks and communicate a message around your risks is going to be what matters and sets risk managers apart. You can have a policy and a process around managing a risk, but people at every level of a company need to internalize it. [25:33] Susan says you need a level of validation and ownership. It has to be instilled into the corporate culture. That starts with empathy, connection, and keeping things real for folks. That will be the ultimate driver of success. [26:04] Justin and Susan agree that risk management is a people business. It's about making things real for folks. [26:22] When Susan worked as a risk manager for a major retailer with warehouses, she spent time in the warehouse, working at every station, so she understood the jobs that everyone was doing. [26:38] She could see for herself how a workers' compensation injury happens. How are we getting these soft tissue issues? What do we need to do about them? [26:50] Learning from the people who are doing it every day, you learn things you would never pick up, otherwise. You can tailor your training programs, business processes, and the real risk management work to the people who need it, whom you are helping keep safe. [27:46] Susan's biggest piece of advice is to reframe the role. Risk management's role isn't reporting on risk; it's enabling competent business processes and competent decision-making. Speaking the language of strategy, and not just severity and probability, is very impactful. [28:11] Susan says building relationships before you need them and infusing risk management into the culture of the company helps a business build a competent risk management approach at every level within the organization. [28:30] Risk managers are really good at identifying issues and stumbling blocks, but offering options and solutions is where there is true value. Thinking about how we support our executives and leadership team is a key part of being a great risk manager. [28:49] Our executives have several things coming at them, all day, every day. They've got to make decisions and move expediently. [28:58] The more we can distill complicated risk issues into a straightforward framework, the more executives can confidently move forward on specific risk decisions. That is incredibly valuable. [29:20] Susan says that from both the practitioner and the advisory perspective, when you're a risk manager and you position yourself as a strategic partner, you can be relied upon, not only to help protect the organization but also to help accelerate its success. [29:40] Susan learned from a former boss to ask during ERM analyses, "Why do expensive race cars have very expensive brakes? It's not so you can stop, but so you can go fast confidently." A great risk management program helps enable speed, confidence, and resilience.  [30:34] Susan says that's what she loves about the value that risk managers bring to the table. [30:56] Susan, you've been such a wonderful guest. You've been so giving with your perspective. Also, where are you going to be from May 3rd through the 6th, 2026? She'll be at RISKWORLD 2026 in Philly! It will be a great time, seeing all her RIMS friends! [31:23] Some of Susan's favorite things about her profession are the friendships she created through RIMS. [31:27] At RISKWORLD 2026, May 3rd through 6th in Philadelphia, you will Connect, Cultivate, and Collaborate! I can't wait to get the chance to finally meet you in person! [31:38] Anybody who wants to learn a little more about Susan can check out her RIMS-CRMP Stories. It's one of the first ones. Susan is also on LinkedIn. Susan would love it if you reached out with a question for her, either on LinkedIn or RIMS Engage. [32:05] Special thanks again to Susan Hiteshew for joining us here on RIMScast. I've got a link to her RIMS-CRMP Stories interview, which will hopefully inspire you to sign up for and study for the RIMS-CRMP exam. [32:21] The link is in this episode's show notes. You can also check out RIMS.org/certifications. [32:27] Plug Time! You can sponsor a RIMScast episode for this, our weekly show, or a dedicated episode. Links to sponsored episodes are in the show notes. [32:54] RIMScast has a global audience of risk and insurance professionals, legal professionals, students, business leaders, C-Suite executives, and more. Let's collaborate and help you reach them! Contact pd@rims.org for more information. [33:12] Become a RIMS member and get access to the tools, thought leadership, and network you need to succeed. Visit RIMS.org/membership or email membershipdept@RIMS.org for more information. [33:29] Risk Knowledge is the RIMS searchable content library that provides relevant information for today's risk professionals. Materials include RIMS executive reports, survey findings, contributed articles, industry research, benchmarking data, and more. [33:45] For the best reporting on the profession of risk management, read Risk Management Magazine at RMMagazine.com. It is written and published by the best minds in risk management. [33:59] Justin Smulison is the Business Content Manager at RIMS. Please remember to subscribe to RIMScast on your favorite podcasting app. You can email us at Content@RIMS.org. [34:10] Practice good risk management, stay safe, and thank you again for your continuous support!   Links: RISKWORLD 2026 Registration — Open for exhibitors, members, and non-members! Reserve your booth at RISKWORLD 2026! RIMS Legislative Summit — March 18‒19, 2026 on Capitol Hill, Washington, D.C. | Register now! RIMS-CRO Certificate Program In Advanced Enterprise Risk Management | April‒June 2026 Cohort | Led by James Lam The Strategic and Enterprise Risk Center RIMS Diversity Equity Inclusion Council RIMS Risk Management magazine | Contribute RIMS Now Spencer Educational Foundation Scholarships | Submission Deadline Jan. 31, 2026 RISK PAC | RIMS Advocacy RIMS-Certified Risk Management Professional (RIMS-CRMP) | Insights Video Series Featuring Joe Milan! Susan Hiteshew's RIMS-CRMP Story: The Value of Being 'In The Club' Upcoming RIMS-CRMP Prep Virtual Workshops: RIMS-CRMP Exam Prep March 10‒11 | April 21‒22, 2026, 9:00 am‒4:00 pm EST, Virtual Full RIMS-CRMP Prep Course ScheduleSee the full calendar of RIMS Virtual Workshops "Storytelling with Data for Risk Management" | Feb. 2‒3 "Applying and Integrating ERM" | Feb 4. "Facilitating Risk-Based Decision Making" | March 4‒5 Upcoming RIMS Webinars: "Hard Hats & High Stakes: Women Leaders Shaping Construction Risk Management" | March 6 | Presented by RIMS RIMS.org/Webinars   Related RIMScast Episodes: "Risk Decision-making in 2026 with Joseph A. Milan, Ph.D." "The Evolving Role of the Risk Analyst" "Risk Rotation with Lori Flaherty and Bill Coller of Paychex" "Energizing ERM with Kellee Ann Richards-St. Clair"   Sponsored RIMScast Episodes: "Secondary Perils, Major Risks: The New Face of Weather-Related Challenges" | Sponsored by AXA XL (New!) "The ART of Risk: Rethinking Risk Through Insight, Design, and Innovation" | Sponsored by Alliant "Mastering ERM: Leveraging Internal and External Risk Factors" | Sponsored by Diligent "Cyberrisk: Preparing Beyond 2025" | Sponsored by Alliant "The New Reality of Risk Engineering: From Code Compliance to Resilience" | Sponsored by AXA XL "Change Management: AI's Role in Loss Control and Property Insurance" | Sponsored by Global Risk Consultants, a TÜV SÜD Company "Demystifying Multinational Fronting Insurance Programs" | Sponsored by Zurich "Understanding Third-Party Litigation Funding" | Sponsored by Zurich "What Risk Managers Can Learn From School Shootings" | Sponsored by Merrill Herzog "Simplifying the Challenges of OSHA Recordkeeping" | Sponsored by Medcor "How Insurance Builds Resilience Against An Active Assailant Attack" | Sponsored by Merrill Herzog "Third-Party and Cyber Risk Management Tips" | Sponsored by Alliant   RIMS Publications, Content, and Links: RIMS Membership — Whether you are a new member or need to transition, be a part of the global risk management community! RIMS Virtual Workshops On-Demand Webinars RIMS-Certified Risk Management Professional (RIMS-CRMP) RISK PAC | RIMS Advocacy RIMS Strategic & Enterprise Risk Center RIMS-CRMP Stories — Featuring RIMS President Kristen Peed!   RIMS Events, Education, and Services: RIMS Risk Maturity Model®   Sponsor RIMScast: Contact sales@rims.org or pd@rims.org for more information.   Want to Learn More? Keep up with the podcast on RIMS.org, and listen on Spotify and Apple Podcasts.   Have a question or suggestion? Email: Content@rims.org.   Join the Conversation! Follow @RIMSorg on Facebook, Twitter, and LinkedIn.   About our guest: Susan Hiteshew, Managing Director | Office Head, Washington D.C., Corporate Regional Team Leader, Marsh   Production and engineering provided by Podfly.  

In a rare and heartwarming moment for the gaming industry, Rockstar Games has reportedly stepped up to grant a terminally ill fan's wish to see Grand Theft Auto 6. Following a viral plea from a rival developer at Ubisoft Toronto, Take-Two CEO Strauss Zelnick and the team at Rockstar have moved mountains for a gamer with limited time. We break down how the industry came together, the current state of the November release window, and why this story is the "must-hear" moment of the weekend. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Send us a textSupport the showThanks for listening! Follow us on https://twitter.com/NEWDAYGOSPELRA2You can email us newdayofhopepodcast@gmail.comhttps://newdayofhopepodcast.buzzsprout.com/Phone: 470-929-5526

Today we’re Phone Tapping a woman who recently took her cat to the groomer, and while she thinks something bad is on the horizon, we actually have GREAT NEWS for her! See omnystudio.com/listener for privacy information.

Today we’re Phone Tapping a woman who recently took her cat to the groomer, and while she thinks something bad is on the horizon, we actually have GREAT NEWS for her! See omnystudio.com/listener for privacy information.

Firefighter Ray Wynn died of cancer caused by the gear he wore to fight fires. He discovered this after he was diagnosed with cancer and began his research with his wife Jean. After years of working with many people Jean joins the YJHTL podcast share -  Honoring our Heroes Act 2025 PASSED, signed by the President and Now it is LAW  January is designated as Firefighter Cancer Awareness month as many departments around the country continue to take steps to educate and train First Responders. It will be retroactive to Line of Duty Deaths from Jan 2020 and should Include child education benefits and has a few other key rules. It will include 20 types of cancers- brain, lung, prostate, breast, esophageal, bladder, brain, cervical, colon, colorectal, kidney, leukemia, malignant melanoma, mesothelioma, multiple myeloma, non-Hodgkins's lymphoma, ovarian, skin, stomach, testicular, thyroid      This is a HUGE first step, and we are very thankful for all the support and hard work so many put into lobbying to get this legislation pushed through from the union reps, firefighters, lobbyist, surviving spouses and families,  Democrats and Republicans that worked together and voted for this much needed change.  We have many people that have supported these efforts, and I am proud of the accomplishments our Honoring Our Fallen Heroes ACT activism group made and are actively still working to help families.  Thank you from all our First Responder Families. 

Karen & Janet open this podcast with rental and home buying opportunities throughout Ventura County, from condos to homes the beaches to hillsides there are many excellent places to call home.  Their first guest is Joe Parisi of Rate Home Mortgage and the news on rates is they are at a 3 year low! Joe will break down the benefits of points and what you need to know, he has all of the options to make sure you have the best loan and when to refi!  Next up Denise from Paladin who is the expert on consulting home owners regarding their insurance policies.  Concepts like Ordinance & Law, Rewrites, Endorsements and more. Make sure you have the correct policy for your home and that it is up-to-date with Denise.  Another awesome podcast from Karen & Janet!

Send us a textWhat if a few words and a simple image could reshape how students treat each other—and how they feel about themselves? We dive into bucket filling, a plain-language framework that sparked a global kindness movement. Grounded in the CASEL competencies and early brain research, this approach replaces vague advice with three clear rules: be a bucket filler, try not to dip, and use your lid.Carol McCloud, president of Bucket Fillers Academy and author of 11 children's books, shares how the metaphor took root in classrooms and homes, why it resonates from preschool to adults, and how “fill more, dip less, use the lid” becomes a daily rhythm. We talk through scaffolding the concepts by age, from concrete acts of kindness to the advanced skill of setting boundaries. Carol offers ready-to-use ideas: a 30-minute eye-to-eye affirmation circle that changes classroom tone, a daily pledge that keeps the habit top-of-mind, and family rituals that ask, “Whose bucket did you fill today—and what filled yours?”Expect data as well as heart. You will hear how one principal, once skeptical, watched behavior referrals fall by 68% after tracking witnessed kindness with classroom buckets and school-wide action. We also explore how the language reframes bullying as a behavior to be changed, not an identity to be assigned, helping students respond with empathy, accountability, and self-control. Along the way, Carol points to free posters, songs, and multilingual tools at bucketfillers101.com to make the practice stick across mornings, group work, and conflict resolution.If you believe culture drives learning, this episode gives you a shared vocabulary, practical routines, and the science-backed reminder that tiny acts create big ripples. Subscribe, share with a colleague, and leave a review to help more educators and families discover tools that make kindness visible. What bucket will you fill today?

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Raiders news this morning is the Las Vegas Raiders have secured a top 2 pick in the 2026 NFL Draft thanks to the Atlanta Falcons beating the LA Rams on Monday Night Football. Visit https://prizepicks.onelink.me/LME0/CLNS and use code CLNS and get $50 in lineups when you play your first $5 lineup! Today Raiders Report host Mitchell Renz is talking the updated NFL Draft order plus the fact that the Raiders can beat the Chiefs in Week 18 and still get the number 1 pick if the Giants beat the Cowboys. Raiders news happens all the time, subscribe so you never miss anything this offseason: https://www.youtube.com/raidersreport?sub_confirmation=1 - REAL ONE? Let us know by getting active in the comments! Learn more about your ad choices. Visit megaphone.fm/adchoices

H4 - Over ½ of the 18 Billion of the Medicaid paid out in MN was fraud, The Trump Admin working to cut off migrants access to welfare, The Trump Admin has great news, the murder rate has dropped 20% , Gov't will always waste your money unless you hold it accountable

Use promo code PHILLYTAKE on Sleeper and get 100% match up to $100! https://Sleeper.com/promo/PHILLYTAKE. Terms and conditions apply. #Sleeper The Sixers are 16-11 on the season, coming off two massive wins. Today, they finally received a positive update on the status of Kelly Oubre Jr. Additionally, it seems like Joel Embiid will return from illness tomorrow to face the Nets. In other news, one hidden gem continues to turn heads for the Sixers and has been exactly what they need at the power forward position. Will they convert his contract to standard? Lastly, VJ Edgecombe is really starting to get comfortable again and find his groove... and his quote about the potential of the Maxey/Edgecombe backcourt will have you fired up! Today, we discuss it all!ADVERTISE WITH US: https://forms.gle/BHCmXV9XZs41CKPGACHECK OUT THE NEW MERCH: https://phillytakewithrb.com/Playback: https://www.playback.tv/phillytakewithrbPhilly Take Discord: https://discord.gg/vEXh2AqpVenmo: https://venmo.com/phillytakewithrbCashApp: https://cash.app/$phillytakewithrbSubscribe to Philly Take with RB on YouTube: https://www.youtube.com/channel/UCZ6xo8_BSzZJVYfWEqEt1GwINSTA: https://www.instagram.com/rbphillytake/TWITTER: https://twitter.com/RBPhillyTake

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Great News...for All the people - Pastor Zac Nazarian

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What happens when a 20-year-old decides to completely unplug—from smartphones, social media, and the digital world?   In this episode, I talk with Yunus Maximus, a bold, creative soul who's chosen a countercultural path in today's tech-saturated world. We explore how living without a phone has deepened his art, saved his mental health, and strengthened his human connections. His story will make you rethink your relationship with technology—and your own creativity. We talk about:

Greg is the President Natural Resources Group and has spent a lifetime trying to get managment of resources into mainstream. Former Director of Natural Resources for the state of Colorado.

We keep ignoring the signs that point to the Resurrection, even though they appear before our eyes every single day - until the day our eyes finally close… and we see it for real. This Makki Surah brings those visuals together with proofs that leave no room for excuses. Surah An-Naba forces you to confront the Great News that people argued about, dismissed, or treated lightly. It exposes the denial of the Mushrikeen, the stubbornness behind their questions, and the same patterns we fall into when we delay preparing for the Hereafter. In this tafseer, you'll recognise the signs Allah placed around you - the earth you walk on, the sleep you depend on, the night that covers you, the heavens above you, the rain that brings vegetation from the ground - each one a reminder that the One who created them will resurrect you.  And as the Surah unfolds, the scenes of the Day of Judgement rise before you: the Trumpet, the sky opening, the mountains swept away, Jahannam lying in wait, and the honour reserved for the people of taqwa. Just enough is revealed to awaken the heart, not enough to soften the warning. The Great News is coming. Prepare for it while there is time. Catch up on this series by watching the last two episodes: 1st episode: https://youtu.be/ZzcOqxBl0xo?si=njKYFkx8R2fKdDpI 2nd episode: https://youtu.be/OATJp8Wn6UI?si=JNTUqA8qrObLNWej Check out AMAU Library - a hub of authentic Islamic knowledge made FREE for all: https://library.amauacademy.com/ Sign up now to AMAU Academy: https://www.amauacademy.com/ AMAU Academy: https://www.amauacademy.com/ AMAU Junior: https://amaujunior.com/ Instagram: https://www.instagram.com/amauofficial/ Patreon: https://www.patreon.com/AMAU Telegram: https://t.me/amauofficial YouTube: https://www.youtube.com/c/AMAUofficial Twitter: https://twitter.com/AMAUofficial iTunes: https://podcasts.apple.com/us/podcast/al-madrasatu-al-umariyyah/id1524526782 Spotify: https://open.spotify.com/show/08NJC1pIA0maaF6aKqZL4N Get in Touch: https://amau.org/getintouch BarakAllahu feekum. #AMAU #quran #tafseer #islamicknowledge #surahannaba

Did you know that the very same power that raised Jesus from the dead lives in you and in me?It's true. Romans 8:11 tells us that because of the the Holy Spirit, who raised Jesus from the dead, we have great resurrection power in THIS life, and the one to come.Join me today as we continue our exploration of Romans 8, and in particular the role of the Holy Spirit in our lives. And a special also join me especially for some GREAT NEWS about God's remarkable work this year through Rinse and Repeat! Join us as we worship Him for the great things He has done in 2025!!(RAR2025EP50)

Send us a textWe hit “Go Live” to close our longest season yet and lean into a simple truth: growth beats perfect. Holiday crunch time made the choice easy—pivot, try the new thing, and share what's working for educators and parents who want less noise and more clarity. We review the milestone that mattered most this year—CPD credits for listeners—so your professional learning can count toward recertification while you collect practical strategies you'll actually use.Across the season, AI literacy became a defining throughline. We highlight four standout conversations featuring innovators who make AI useful, ethical, and human-centered. From Endless Studios and its free pathway for students to build real portfolios, to teacher- and parent-friendly guidance on boundaries, citations, and transparency, we map a path from curiosity to confident use. You'll hear about Notebook LM for source-grounded studying that turns dense readings into clear summaries and audio explainers, Canva AI for building interactive learning games in minutes, and InstaLesson for drafting adaptable, standards-aligned lessons that save precious time.We also talk candidly about moving to video, why showing the unpolished version matters, and how small rituals—at school and at home—keep everyone steady when routines fall apart. Parents get practical advice on setting expectations and modeling ethical AI use, while teachers get permission to start small, iterate, and invite students to use tools responsibly rather than banning them. Innovation, we argue, is about people first and tools second; relationships and good judgment turn new tech into better learning.Season four launches January 15 with more conversations, more practical resources, and more human stories from the brighter side of education. If this resonated, subscribe, share it with a colleague or parent, and leave a quick review—what tool or mindset will you try next?Great News! The Brighter Side of Education is now CPD Accredited! Sponsored by Dr. Gregg Hassler Jr., DMDTrusted dental care for healthy smiles and stronger communities—building brighter futures daily. Head to the show notes to find if this episode is CPD eligible and details on how to claim your CPD certification!Sponsored by Dr. Gregg Hassler Jr., DMDTrusted dental care for healthy smiles and stronger communities—building brighter futures daily.Support the showIf you have a story about what's working in your schools that you'd like to share, email me at lisa@drlisahassler.com or visit www.drlisahassler.com. Subscribe, tell a friend, and consider becoming a supporter by clicking the link: https://www.buzzsprout.com/2048018/support. The music in this podcast was written and performed by Brandon Picciolini of the Lonesome Family Band. Visit and follow him on Instagram.

Do you need an episode that's the equivalent of a big, deep, inhale and exhale? GREAT NEWS, TEAM, WE HAVE THE EPISODE FOR YOU. Journalist and urban birder Ryan Goldberg joins me talk about the recent spike of interest in birding (particularly amongst young people), but we go a lot deeper than "wow seems like millennials are taking up old people hobbies." We talk about the intergenerational magic of birding clubs, bird list gamificiation (and how to avoid it), and how apps like Merlin have changed birding culture. But the real heart of this episode is what makes people fall in love — and stay in love — with a hobby that's really, at heart, about listening. I'm not a birder, so this episode will be accessible to anyone in my shoes (or who's birding-curious) — and if you are a birder, get ready to nerd out. I hope your blood pressure drops a few points while listening, because my mine sure did while recording.If you're a paid subscriber and haven't yet set up your subscriber RSS feed in your podcast player, here's the EXTREMELY easy how-to .And if you're having any other issues with your Patreon subscription — please get in touch! Email me at annehelenpetersen @ gmail OR submit a request to Patreon Support. Thank you for making the switch with us — the podcast in particular is much more at home here!We're experimenting with producing our own (moderately polished) transcripts. They'll be uploaded here within 24 hours of publishing. Thanks to the sponsors of today's episode!Take the guesswork out of your dog's well-being. Go to ollie.com/culture and use code culture to get 60% off your first box!Upgrade your sleep with Miracle Made! Go to https://trymiracle.com/CULTURE and use the code CULTURE to claim your free 3-piece towel set and save over 40% OFF.Get better sleep, hair and skin with Blissy and use CULTUREPOD to get an additional 30% off at blissy.com/CULTUREPOD Get an exclusive $35 off Carver Mat at https://on.auraframes.com/CULTURE, promo Code CULTUREShow Notes:Buy Bird City here! Learn more about Ryan's work here — also noting two upcoming events (learn more on his website) An Eastern Towee in action (with its call!) A lovely birding guide to Central ParkJoin the Brooklyn Bird Club! All about the Merlin app Black Birders Week!Feminist Bird ClubThe Macaulay Library of Bird SongsThe hungover birdwatcherWe're currently looking for your questions for future episodes about:WEIRD ENGLISH WORDS (where do they come from!) with Colin Gorrie, who writes explainers like this one on the word DOGQuestions About How to Respond When People Ask/React To the Knowledge That You're Not Having KidsThe Wild Largely Unregulated World of IVF (and IVF Bureaucracy) Audiobooks!!! (with MVP audiobook narrator Julia Whelan)'90s Movie Soundtracks How we think about the morality of money and taxes — who should pay taxes, who shouldn't, who "deserves" money, who doesn't, how we came to decide that religious organizations shouldn't pay taxes (and how that belief is changing), SO MUCH PEOPLE'S NAMES and what they signify (and how it changes with time) Anything you need advice or want musings on for the AAA segment. You can ask about anything, it's literally the name of the segmentAs always, you can submit your questions (and ideas for future eps) hereFor this week's discussion: Tell me about your experience with birding culture — or something about this episode that made you want to get into it! (I bet it was me laughing like a 5 year old about birds named tits)

By David PerMar - In a world of broken promises and unfinished projects, there is one divine guarantee that remains rock-solid. We will uncover a personal promise from God that provides hope when we feel discouraged, frustrated, or simply tired.

3pm: I Was Thinking: Guest - Youtube and Electronics Engineer - Chris Doel // This Day in History: 1925 - RFK is Born // 1963 - JFK is Assassinated // Fact Check: Is Thanksgiving cheaper this year? The surprising, non-partisan data isn’t great news for Seattle

Special Report: Don't let those who may have led you to believe the Kim Davis case might be the one SCOTUS would use to overturn Obergefell now become naysayers and pessimists to discourage you. Don't let anyone "cover up" what I said was wrong in the Davis case from the get-go. And find out what can be done now to get a good "Obergefell case" to the Supreme Court.

Great News: savings are at an all-time high! We dive into Vanguard's How America Saves 2025 report and reveal why more Americans than ever are contributing to their 401(k)s, increasing their deferrals, and choosing Roth options. You'll learn what's driving the shift, how small 1% increases can have massive long-term impact, and what this means for your own retirement journey. Stick around to the end to hear us answer your questions! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Jump start your journey with our FREE financial resources⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Reach your goals faster with our products⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Take the relationship to the next level: become a client⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Subscribe on YouTube for early access and go beyond the podcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Connect with us on social media for more content⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life. DRINKAG1.com/MONEYGUY Learn more about your ad choices. Visit megaphone.fm/adchoices

"Frank! Great News! Steve has a plan!"Cast:June - Melody BridgesSnorts Ma Gorts - Jesse TilleyGeeGaa - Randi SpearsCyborg Jimmy - Cooper ShawEdgy Steve - Jessica MuddDeidre - Tina CaseVerge - Cat BlackardFlat Doug - Keith CableTavrok Stormbringer - Ian FergusonFrank - Benjamin BurdickTrinkett - Camille SmickerCeleste - Cooper ShawPrivate Kennedy - Randi SpearsBattlepope - Michael ThomsBugaboo - Michael ThomsWritten and Directed by Joe FisherProduced by Joe Fisher and Finlay StevensonOriginal Theme Music by Ian FergusonOriginal Art by Existentially Exhausted BeanMusic:Psyclone - Blue SagaHigh Country - Roy Edwin WilliamsPork Shop Special - BinkleyFor more information on our show, visit our website: https://www.weopenatsix.comRead and search our scripts on Podscripts: https://podscripts.app/Subscribe for early access, ad free episodes, additional content and more!Subscribe on Patreon: https://www.patreon.com/midnightburgerSubscribe on Apple Podcasts: https://podcasts.apple.com/us/podcast/midnight-burger/id1537653218How about some merch? https://www.midnightburgermerch.comSign up for our newsletter: https://weopenatsix.beehiiv.com/All scripts available at: https://drive.google.com/drive/folders/1IXV0JIBFw_IgDJhVeaeqL4UPQngvXHoQ?usp=sharingFind and support our sponsors at: fableandfolly.com/partnersSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.