Podcasts about Insurance

The Patient Playbook: Navigating Billing Systems And Reducing Medical Debt Do you know that you should never pay a medical bill as soon as you receive it? This is just one of many common mistakes patients make that's losing them a lot of money. Our expert this week breaks down how to take control of your financial health and get rid of unnecessary medical debt. Guests: Caitlin Donovan, senior director, Patient Advocate Foundation Host: Greg Johnson Producers: Kristen Farrah Facebook: ingoodhealthpodX: @ ingoodhealthpodIG: @ingoodhealthpodYouTube: @ingoodhealthpodSpotify Apple Podcast In Good Health PodcastSubscribed to the newsletterFull ArchiveContact UsBecome an Affiliate Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode of The Edge of Risk Podcast by IRMI, Joel Appelbaum speaks with Dustin Carlson, president of the 831(b) Institute, about maintaining the credibility and long-term viability of Section 831(b) micro-captives. The discussion centers on Mr. Carlson's three-part series in Captive Insurance Company Reports outlining proposed reforms aimed at addressing practices that have drawn regulatory scrutiny while preserving legitimate captive insurance programs. Mr. Carlson explains how the Section 831(b) election allows small insurance companies to exclude underwriting income up to the statutory premium threshold while remaining taxable on investment gains. He outlines concerns around structures used for estate planning, investments such as life insurance or annuities inside captives, and related-party lending practices. The conversation explores practical policy proposals designed to curb abuses while reinforcing insurance fundamentals—such as proper underwriting, claims processes, and governance practices—to ensure micro-captives remain focused on risk management rather than investment or wealth transfer strategies.

Attorney Steve Gibbs Puts Whole Life Insurance on trial and Makes "The Case" for utilizing it Your Wealth Building Arsenal. Caleb Guilliams is joined by Steve, the co-founder of Insurance and Estates with a surprise guest, Barry Brooksby, to challenge him on why he calls whole life insurance a "guaranteed investment".Watch the Video on Youtube for Visuals - https://youtu.be/wk210M9jfLsWant a Whole Life Insurance Policy? Go Here: https://bttr.ly/bw-yt-aa-clarityWant Us To Review Your Permanent Life Insurance Policy? Click Here: https://bttr.ly/yt-policy-reviewWant More Free Whole Life Insurance Resources & Education? Go Here: https://bttr.ly/yt-bw-vaultLearn More About BetterWealth: https://betterwealth.comTimestamps:00:00 Intro 01:03 Introducing Steve & Barry 02:50 Barry introduces Insurance and Estates 05:09 Quantifying The Value of Credit Protection 09:56 Asset Protection From Contracts and State Laws12:50 Cash in a Bank vs. Cash Value Life Insurance 15:02 Life Insurance as a Contract and Trust 16:31 Barry Addresses "Guaranteed Investment" Statement 18:07 Defining "Investment" and "Guaranteed Asset"22:21 Contract as an Asset 24:46 How is life insurance considered a trust? 28:36 Steve's "AHA moment" on Life Insurance 33:42 Life Insurance Compared to 401ks 43:21 Steve's Personal Experience with Life Insurance 45:16 Why are people attracted to life insurance? 48:24 Comparing IUL (Indexed Universal Life) to Whole Life Contracts 55:20 Response to "Buy Term and Invest the Difference" 58:08 Legacy and Permanent Life Insurance 1:01:55 100 Years of Bond Yields vs Dividend Interest Rates 1:11:21 Why is Life Insurance so Hated? 1:18:50 Final ThoughtsDISCLAIMER: https://bttr.ly/aapolicy*This video is for entertainment purposes only and is not financial or legal advice. Financial Advice Disclaimer: All content on this channel is for education, discussion, and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of the information on this channel. Neither host nor guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

Join us for a week of self awareness at the THR studios this week. Cool of the week includes Paradise, Man on the Run, Star Trek, Insurance, and Blood Star. Trailers are Scary Movie, Faces of Death, and In a Violent Nature 2. The podcast spotlight shines on Boos and Buds. And we get feedback from Maxson Saxo, Pedro Nunez, and Eddie Fright. Thanks for listening! The Horror Returns Website: https://thehorrorreturns.com THR Facebook: https://www.facebook.com/thehorrorreturns/ Join THR Facebook Group: https://www.facebook.com/groups/1056143707851246 THR X: https://twitter.com/horror_returns?s=21&t=XKcrrOBZ7mzjwJY0ZJWrGA THR Instagram: https://instagram.com/thehorrorreturns?igshid=YmMyMTA2M2Y= THR Threads: https://www.threads.net/@thehorrorreturns?igshid=NTc4MTIwNjQ2YQ== THR YouTube Channel: https://youtube.com/@thehorrorreturnspodcast3277 THR Patreon: https://www.patreon.com/thehorrorreturns THR TeePublic: https://www.teepublic.com/user/the-horror-returns SK8ER Nez Podcast Network: https://www.podbean.com/pu/pbblog-p3n57-c4166 E Society Spotify For Podcasters: https://podcasters.spotify.com/pod/show/esoc Music By: Steve Carleton Of The Geekz

In this episode, Libby shares 5 practical ways financial advisors can keep client meetings running on time — starting on time and, just as importantly, ending on time. She breaks down how to balance client experience with practice efficiency so meetings don't bleed into follow-up work, team time, or personal time. If your meetings routinely run over, this episode is for you.What You Will Learn:Why starting and ending meetings on time directly impacts client perception and professionalism  How using a structured agenda keeps meetings focused and prevents last-minute surprises  Simple time-setting techniques to reset expectations throughout the meeting Why having a visible clock and a structured close improves productivity and accountability  Creative ways to create a natural “hard stop” for chatty clients while protecting your schedule Running efficient meetings isn't about rushing clients — it's about respect, clarity, and structure. When you control the time, you protect your energy, your team, and your client experience. Try implementing one or two of these strategies in your next meeting and track the difference.Learn more about the Group Coaching & Mastermind HERE! Check out The First 100 Days Course: The Advisor's Blueprint for a Remarkable Client Experience HERE!Learn more about Asset-Map financial planning software HERE! Learn more about our sponsor Beemo Automation HERE! Check out the Efficient Advisor YouTube Channel HERE!Connect with Libby on LinkedIn HERE!Successful businesses don't get built alone. You need community! You need collaboration! Join us in The Efficient Advisor Community on Facebook.

Today we're uncovering...How NAMIC is urging the White House to tackle rising insurance costs—without undermining state-based regulation.And why proposed insurance reforms in states like New York and Illinois could have major consequences for consumers and market stability.Today's episode is sponsored by Holborn.

Send a textDirect Primary Care: Reclaiming Agency, Transparency, and Relationship in HealthcareDr. Angela explains direct primary care (DPC) as a membership-based primary care model that is not insurance and does not replace insurance, but helps people step outside the mindset that care is only accessible if covered. She argues insurance has shaped how patients and clinicians think, often prioritizing “is this covered?” over “is this what I need?” while hiding prices and delaying prevention. In DPC, patients pay a predictable monthly fee for access, time, relationship, visits, preventive care, chronic disease management, and often some labs without copays or surprise bills, with support navigating transparent cash pricing for imaging and services. DPC does not cover emergencies, hospitalizations, or major surgeries, where catastrophic coverage is needed, and it may not replace specialist care for complex conditions, though it can help coordinate it.00:00 Welcome and premise00:12 Matrix mindset shift00:46 Why DPC matters02:06 Insurance shapes decisions03:14 What DPC is and isnt04:08 No insurance use cases04:41 Transparent pricing examples05:30 Emergencies and insurance role06:24 Specialists and chronic care07:29 Empowerment and wrap upSupport the showFollow me on Instagram @angelalifestylemd and don't forget to SUBSCRIBE to my podcast & SHARE this episode.

AM Best Senior Associate Editor Renee Kiriluk-Hill examines how Hawaii's homeowners insurers are responding to catastrophic wildfire losses with steep rate increases, tighter risk selection, and strategic decisions that may foreshadow trends in other catastrophe-exposed states.

Ryan D. Lee is a personal finance leader helping people build passive income through alternative investing. Founder of Wealth Outside Wall Street, he teaches simple strategies for freedom, purpose, and abundance. Top 3 Value Bombs 1. Financial freedom isn't about net worth; it's about how much cash flow your assets generate without selling them. 2. The traditional retirement system hides the real target because most people would quit if they knew how much money it actually takes. 3. True freedom comes from building systems that give you options and control over your time, not just higher income. Pick up Ryan's bestselling book on Amazon - Retire in 10 Years or Less Sponsors HighLevel - The ultimate all-in-one platform for entrepreneurs, marketers, coaches, and agencies. Learn more at HighLevelFire.com. Shopify - Shopify is the commerce platform behind millions of businesses around the world! Sign up for your $1-per-month trial today at Shopify.com/onfire! Scaylor - Ready to simplify and unify your business data? Go to Scaylor.com and get your free demo today.

Physicians face unique financial risks that go beyond budgeting and investing. In this episode, Dr. Jim Dahle breaks down the essential protections every doctor needs, including: -Whole Life Insurance: Do doctors need it for estate planning, and what risks should you watch for? -Disability Insurance: One doctor's story of how disability can impact your finances and why protecting your earning ability is critical. -Umbrella Insurance: How much coverage makes sense for physicians, and why high-limit policies are often worth it. -Malpractice Coverage: Understanding claims-made vs. occurrence policies, negotiating terms in your contract, and ensuring protection if your employer fails. Whether you're early in your career or looking to protect decades of earnings, this episode gives actionable insights to safeguard your finances. This podcast is sponsored by Bob Bhayani at Protuity. He is an independent provider of disability insurance planning solutions to the medical community in every state and a long-time white coat investor sponsor. He specializes in working with residents and fellows early in their careers to set up sound financial and insurance strategies. If you need to review your disability insurance coverage or to get this critical insurance in place, contact Bob at https://whitecoatinvestor.com/protuity today by email info@protuity.com or by calling (973) 771-9100. The White Coat Investor Podcast launched in January 2017, and since then, millions have downloaded it. Join your fellow physicians and other high income professionals and subscribe today! Host, Dr. Jim Dahle, is a practicing emergency physician and founder of The White Coat Investor blog. Like the blog, The White Coat Investor Podcast is dedicated to educating medical students, residents, physicians, dentists, and similar high-income professionals about personal finance and building wealth, so they can ultimately be their own financial advisor-or at least know enough to not get ripped off by a financial advisor. We tackle the hard topics like the best ways to pay off student loans, how to create your own personal financial plan, retirement planning, how to save money, investing in real estate, side hustles, and how everyone can be a millionaire by living WCI principles. Website: https://www.whitecoatinvestor.com  YouTube: https://www.whitecoatinvestor.com/youtube  Student Loan Advice: https://studentloanadvice.com  TikTok: https://www.tiktok.com/@thewhitecoatinvestor  Facebook: https://www.facebook.com/thewhitecoatinvestor  Twitter: https://twitter.com/WCInvestor  Instagram: https://www.instagram.com/thewhitecoatinvestor  Subreddit: https://www.reddit.com/r/whitecoatinvestor  Online Courses: https://whitecoatinvestor.teachable.com  Newsletter: https://www.whitecoatinvestor.com/free-monthly-newsletter 

Use code emily at the link below to get an exclusive 60% off an annual Incogni plan: https://incogni.com/emily  Thanks to Incogni for sponsoring this video. Watch the full coverage of the live stream on The Emily D. Baker YouTube channel: https://youtu.be/-pr_ALNGSw4 Day 8 of the Kouri Richins trial delivered a whiplash of information, moving from forensic accounting and life insurance details to the dramatic testimony of a key witness in a romantic relationship with the defendant, Robert Josh Grossmann. Don't miss the dramatic details and the full context of this pivotal day in the Kouri Richens trial! RESOURCES Kouri Richins Trial Playlist - https://www.youtube.com/playlist?list=PLsbUyvZas7gIKTiEBENmlYTBxjH_fbLUO   Kouri Richins Trial Case Brief Playlist - https://www.youtube.com/playlist?list=PLFdNnRZUqH63ET7ols7SV3omxBEPgMoAh Learn more about your ad choices. Visit podcastchoices.com/adchoices

TECHNATE NAVY - 03.04.2026 - #920 BestPodcastintheMetaverse.com Canary Cry News Talk #920 - 03.04.2026 - Recorded Live to 1s and 0s Deconstructing World Events from a Biblical Worldview Declaring Jesus as Lord amidst the Fifth Generation War! CageRattlerCoffee.com SD/TC email Ike for discount https://CanaryCry.Support   Send address and shirt size updates to canarycrysupplydrop@gmail.com Join the Canary Cry Roundtable of Knights and Dames   Join the Canary Cry Roundtable This Episode was Produced By:   Executive Producers Mrs TinfoilHatMan*** Sir LX Protocol Baron of the Berrean Protocol***   Producers of TREASURE (CanaryCry.Support) Jason B, Rebecca T, Julie S, Jonathan F, Cage Rattler Coffee, Veronica D, Sir Scott Knight of Truth,  Sir Casey the Shield Knight   Producers of TIME Timestampers: Jade Bouncerson, Morgan E Clankoniphius Links: JAM, Adam42   SIR IKE SUPPLY DROP GIVEAWAY!   Cage Rattler Coffee     Gonz saw the Red Moon X Blow Up   NEPHILIM UPDATE 19:41 Neanderthal "sons of God?" (National Geographic) → Scientists Are Rediscovering the Nephilim and Refusing to Say It (Charisma)   EXECUTIVE PRODUCERS 36:36 CanaryCry.Support   AMERICA LOVES BOATS 48:20 Insurance cartel closes Straight of hormuz (TA) Clip: Iranian Navy reduced to Zero CENTCOM (X) Trump Truth - Hormuz trade (X) Trumps insurance as rivals cancel policies (Telegraph)   Clip: Spain kicks America off bases (x) Clip: Spain agrees to cooperate (X)   Ecuador invasion begins (X/US Southcomm)   CYBERPANDEMIC/MONEY/CRYPTO 1:41:44 US banks on high alert for cyberattacks as Iran war escalates (Reuters) → Kraken gets Federal Reserve account (Trading View)   BEAST SYSTEM 1:49:40 Big Tech companies to meet Trump at WH to sign pledge on data center power costs (Fox)   WW3/BIBLICAL 2:04:15 Investigating claim US troops were told Iran war is for 'Armageddon,' return of Jesus (Snopes) Four biblical signs the world has entered the end of days as US bombs Iran (Daily Mail)   SHILLZILLA/33 - merideth 2:16:39 Chris Cillizza is on a spiritual journey (X) Chris is searching for Christ (Substack)   PRODUCERS 2:25:34 END 2:34:04

Dr. Barbara Paldus is the Founder and CEO of CODEX Labs, the sponsor of this episode.She grew up around Nobel Prize winners, built biotech manufacturing equipment for vaccines and cancer therapeutics, and then sold her company after an 8 year old threatened suicide.Her son's severe eczema pushed her into an unregulated $100,000,000,000 skincare market where parents are told to trust labels that nobody verifies. She explains how corticosteroid ladders leave patients with years long withdrawal, why U.S. ingredient oversight lags Europe, and how chemotherapy destroys the same skin and gut barriers seen in inflammatory disease.The conversation tracks the real stakes behind “clean” marketing: a child's immune system, hospital infections like MRSA, and patients trying to survive treatment without new damage. She also details the research path from Irish medical manuscripts to microbiome science and why sick populations become the only reliable regulators when policy fails.RELATED LINKSBarbara PaldusCodex LabsSekhmet VenturesDr Peter LioFEEDBACKLike this episode? Rate and review Out of Patients on your favorite podcast platform. For guest suggestions or sponsorship email podcasts@matthewzachary.comSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Value: After Hours is a podcast about value investing, Fintwit, and all things finance and investment by investors Tobias Carlisle, and Jake Taylor. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Soldier of Fortune: Warren Buffett, Sun Tzu and the Ancient Art of Risk-Taking⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ (⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Kindle⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠)We are live every Tuesday at 1.30pm E / 10.30am P.See our latest episodes at https://acquirersmultiple.com/podcastAbout Jake Jake's Twitter: https://twitter.com/farnamjake1Jake's book: The Rebel Allocator https://amzn.to/2sgip3lABOUT THE PODCASTHi, I'm Tobias Carlisle. I launched The Acquirers Podcast to discuss the process of finding undervalued stocks, deep value investing, hedge funds, activism, buyouts, and special situations.We uncover the tactics and strategies for finding good investments, managing risk, dealing with bad luck, and maximizing success.SEE LATEST EPISODEShttps://acquirersmultiple.com/podcast/SEE OUR FREE DEEP VALUE STOCK SCREENER https://acquirersmultiple.com/screener/FOLLOW TOBIASWebsite: https://acquirersmultiple.com/Firm: https://acquirersfunds.com/ Twitter: ttps://twitter.com/GreenbackdLinkedIn: https://www.linkedin.com/in/tobycarlisleFacebook: https://www.facebook.com/tobiascarlisleInstagram: https://www.instagram.com/tobias_carlisleABOUT TOBIAS CARLISLETobias Carlisle is the founder of The Acquirer's Multiple®, and Acquirers Funds®. He is best known as the author of the #1 new release in Amazon's Business and Finance The Acquirer's Multiple: How the Billionaire Contrarians of Deep Value Beat the Market, the Amazon best-sellers Deep Value: Why Activists Investors and Other Contrarians Battle for Control of Losing Corporations (2014) (https://amzn.to/2VwvAGF), Quantitative Value: A Practitioner's Guide to Automating Intelligent Investment and Eliminating Behavioral Errors (2012) (https://amzn.to/2SDDxrN), and Concentrated Investing: Strategies of the World's Greatest Concentrated Value Investors (2016) (https://amzn.to/2SEEjVn). He has extensive experience in investment management, business valuation, public company corporate governance, and corporate law.Prior to founding the forerunner to Acquirers Funds in 2010, Tobias was an analyst at an activist hedge fund, general counsel of a company listed on the Australian Stock Exchange, and a corporate advisory lawyer. As a lawyer specializing in mergers and acquisitions he has advised on transactions across a variety of industries in the United States, the United Kingdom, China, Australia, Singapore, Bermuda, Papua New Guinea, New Zealand, and Guam. He is a graduate of the University of Queensland in Australia with degrees in Law (2001) and Business (Management) (1999).

It's another episiode of Insurance town from the Lazy river!! With Ben Morrow, Brenden Corr, Marques Ogden, Jessica, Casey Nelson, Caleb Cramer, etc. Its FunSponsorsCanopy Connect MAVGoli= Go.Goli.com/Mayor

What numbers should dentists really be tracking if they want to reduce insurance dependence and improve profitability? In this episode of the Less Insurance Dependence Podcast, Dr. Gerilyn Alfie joins us to break down the key financial metrics that reveal how insurance participation affects your practice. From understanding the difference between gross production and net production to analyzing insurance write-offs, accounts receivable, and hourly overhead, this conversation brings clarity to the numbers that truly matter. Dr. Alfie also explains why being busy does not always mean being profitable, how to set realistic and motivating annual growth goals, and the right way to plan a gradual transition away from insurance plans. If you are serious about building a healthier, more independent practice, this episode provides practical guidance to help you move forward with confidence. Book your free marketing strategy meeting with Ekwa at your convenience. Plus, at the end of the session, get a free analysis report to find out where your practice stands online. It's our gift to you! https://www.lessinsurancedependence.com/marketing-strategy-meeting/   If you're looking to boost your case acceptance rates and enhance patient communication, you can schedule a Coaching Strategy Meeting with Gary Takacs. With his experience in helping practices thrive, Gary will work with you on personalized coaching, ensuring you and your team are prepared to present treatment plans confidently, offer financing options, and communicate the value of essential dental services. https://thrivingdentist.com/csm  

In this panel discussion from the Inch 360 Conference, cybersecurity experts explore the intersection of compliance, insurance, and risk management. Moderated by Maria Braun (Baker Tilly), the panel features Casey Wheeler (Marsh McLennan Agency), Dan Brown (CISA), and Deb Wells (BECU).Key Topics Covered:The Compliance vs. Security MythWhy having SOC 2, ISO 27001, or PCI-DSS doesn't automatically mean you're secureHow to move beyond "check-the-box" compliance to holistic risk managementThe importance of building security in, not bolting it onCyber Insurance EssentialsTop 5 controls insurers look for: MFA, comprehensive backups, email filtering, security awareness training, and wire transfer verificationHow insurance underwriting works and what carriers assessWhy you should contact your carrier FIRST during an incidentCommon policy pitfalls: waiting periods, coverage triggers, and business interruption termsEffective Risk ManagementHow to run meaningful tabletop exercises (not just compliance theater)Why you need to include the right people: IT, legal, HR, facilities, and your insurance carrierThe importance of making cybersecurity a daily habit, not a one-time eventHow to quantify risks and prioritize using heat maps and business impactThird-Party RiskWhy outsourcing doesn't transfer all responsibilityThe growing importance of vendor risk managementHow downstream attacks can impact your operations We're thrilled to be sponsored by IXL. IXL's comprehensive teaching and learning platform for math, language arts, science, and social studies is accelerating achievement in 95 of the top 100 U.S. school districts. Loved by teachers and backed by independent research from Johns Hopkins University, IXL can help you do the following and more:Simplify and streamline technologySave teachers' timeReliably meet Tier 1 standardsImprove student performance on state assessments

On this episode of Roots of Success, Chris Psencik digs into the changing landscape of insurance for green industry businesses with special guests Chase Campbell and Cal Fallaize from Sage Insurance and Risk Advisors. The group unpacks how auto insurance has become a massive pain point, often making up 70% of insurance premiums. Additionally hear why old settlements are a thing of the past, and how business owners can safeguard their assets amid rising legal risks. Featuring real-world stories, actionable tips, and the inside scoop on managing insurance modification ratings, this episode sheds light on navigating insurance trends, protecting your business, and driving profitability in 2026 and beyond. If you're wrestling with your P&L and unsure about your coverage, don't miss this episode!  THE BIG IDEA:   Insurance is a line item that must be actively managed.  KEY MOMENTS:  [03:49] Solving Insurance Challenges in Landscaping [06:44] Insurance Costs Scale with Growth [10:48] Litigation Costs Skyrocketing [14:40] "Key Metrics for Project Success" [19:03] Mod Analysis for Performance Insight [20:57] "Portfolio Adjustments for Success" [24:10] Subcontractor Insurance Considerations [29:10] Proactive Landscape Business Renewal Tips [32:59] "GPS, Cameras, and Loyalty" [34:49] "Insurance is Like a Parachute" [37:11] "Managing Costs Through Right Questions"  QUESTIONS WE ANSWER  What factors are contributing to the rapidly increasing costs of auto insurance for landscape companies?  How can businesses ensure their insurance coverage grows appropriately with their revenue and operational changes?  What are the potential risks of maintaining a stale relationship with your agency or insurance provider?  Why is it important to implement a return-to-work program for injured employees within the landscape industry?  How can mod ratings affect a company's ability to secure commercial contracts, and what steps can be taken to improve them?  What are the main challenges and precautions when working with subcontractors in landscaping projects?  Which insurance metrics and safety practices should landscape business owners regularly monitor to safeguard their fleet and assets?  Why are legacy rates so important in the current insurance market, and what strategies help protect them?  How does shopping out insurance every year or every other year impact your company's relationship with carriers and possible rates?  What are some overlooked policy exclusions or errors that can have major financial impacts, and how can they be detected? 

In this solo episode of Referrals Done Right, Scott dives into one of the most common struggles entrepreneurs and sales professionals face: feeling busy all day but still feeling like nothing truly important got done. Inspired by conversations with newer agents and team members overwhelmed by endless to do lists, Scott shares a simple but powerful framework that has shaped his own productivity for more than a decade.Using the classic “Professor and the Jar” analogy, Scott explains how prioritization determines whether your day is productive or just chaotic. By focusing first on the big rocks, the most essential tasks that actually move the needle, you create clarity, conserve mental energy, and build momentum. When everything is labeled a priority, nothing actually is. This episode challenges you to rethink how you structure your day and offers a practical system you can implement immediately to take back control of your time and focus In this episode, you will learn:• Why traditional to do lists create overwhelm and drain your mental energy• The difference between essential priorities, pebbles, and the “sand” of your day• How limiting yourself to three key priorities can dramatically improve productivity• Why cognitive energy is a limited resource and how to protect it• A simple framework for structuring your day so the most important work gets done first---Scott Grates' Links:Referrals Done Right - https://www.referralsdoneright.orgReferrals Done Right FB Group - https://www.facebook.com/groups/296359076662332Scott Grates Website - https://www.scottgrates.comLove Living Local  - https://www.instagram.com/lovelivinglocal315Scott's FB - https://www.facebook.com/scott.grates.1Scott's - https://www.instagram.com/scottgratesTikTok - https://www.tiktok.com/@scott.grates

Just got out of the barbershop… and the weight of what I heard followed me to the car.A barber who moved into a new apartment, week and a half in, lost everything in a fire before he could get renter's insurance. That hit different. Because it's not just him. I've got people in my world dealing with mental health battles, physical health crises, job losses, and no clear answer for what comes next. I've got others who feel stable on paper but still feel the weight of everything pressing down.So let's talk about it. The real version. Not the Wall Street version. Not the version the media will cover between Epstein headlines and political theater.Here's the truth nobody wants to say out loud:We are in it. All of us. And there is no quick fix.Layoffs at levels we haven't seen since before COVID. All-time highs in the stock market and gold while salaries refuse to keep up. Kids' sports getting more expensive. Grocery bills not dropping. Insurance costs through the roof. It's a slow squeeze and the middle class is catching the worst of it because they're trying to hold everything together.In this episode, I talk about why I told someone at the barbershop to go into survival mode and why I said it with a heavy heart. I break down what that actually means, why we need to give each other grace right now, and why realistically we're looking at 12 to 24 months before things shift… depending on what happens with policy and politics.I also get into something that fires me up every time. Money. What it really is. Why billionaires and trillionaires exist. And why the whole system is built around power and control, not prosperity.This episode isn't about doom. It's about reality. It's about understanding what's happening around you so you can make better decisions, hold your people tighter, and stop absorbing everyone else's chaos on social media.Watch on YouTube: https://youtu.be/KXicglbEEF4As always we ask you to comment, DM, whatever it takes to have a conversation to help you take the next step in your journey, reach out on any platform!Twitter, FaceBook, Instagram, Tiktok, LinkedinDISCLOSURE: Awards and rankings by third parties are not indicative of future performance or client investment success. Past performance does not guarantee future results. All investment strategies carry profit/loss potential and cannot eliminate investment risks. Information discussed may not reflect current positions/recommendations. While believed accurate, Black Mammoth does not guarantee information accuracy. This broadcast is not a solicitation for securities transactions or personalized investment advice. Tax/estate planning information is general - consult professionals for specific situations. Full disclosures at www.blackmammoth.com.

RaeAnn Tucker from the Henry and Stark County Health Departments and First Choice HealthCare Clinics joined Wake Up Tri-Counties to talk about International Women's Day, Colon Cancer Awareness Month, free FIT tests, 12 Communities in 12 Months in Orion for the March event, CPR classes, WIC services in National Nutrition Month, and insurance navigators. International Women's Day arrives this Sunday, with the Henry and Stark County Health Departments partnering with First Choice Healthcare to spotlight women's health. RaeAnn Tucker notes that clinics in Kewanee and Toulon provide essential services such as annual exams, pap smears, breast exams, and contraceptive counseling. Appointments are available to women of all ages, including those via Medicaid or insurance. This month, residents aged 45 to 75 can pick up free home FIT tests for early colorectal cancer screening—no appointment needed. For updates, call 309-852-5272 or find the Henry and Stark County Health Departments on social media for resources and event information.

Federal employees with a FERS pension have a unique advantage when deciding when to claim Social Security—but choosing the wrong claiming age can significantly affect your lifetime retirement income. Understanding how Social Security timing works with a FERS pension, TSP savings, and other retirement income sources can help federal retirees build a more flexible and sustainable retirement strategy.If you're a federal employee planning retirement, knowing whether to claim Social Security at 62, wait until full retirement age, or delay until age 70 can impact taxes, survivor benefits, and long-term income. In this episode, we break down Social Security claiming strategies for federal employees, how a FERS pension changes the decision, and key retirement planning factors like longevity, spousal benefits, and break-even analysis.

Melissa Mulhern, assistant vice president of environmental underwriting at Philadelphia Insurance Cos., said their underwriters work with agents and brokers to help them understand that environmental risk includes operational risks not just limited to preexisting contamination.

What happens when an allergist steps into the online world and starts breaking down headlines in real time? In this episode, I sit down with Dr. Zachary Rubin, board certified allergist and immunologist, content creator, and now author of All About Allergies. We talk about why allergy misinformation spreads so easily, why “allergy” is not a catch all term, and how social media has unexpectedly made him a better clinician. We also get honest about the current state of medicine. Burnout. Insurance barriers. The time crunch in clinic. And why rebuilding trust between families and physicians starts with better communication, humility, and human connection. This is a conversation about nuance in a world that craves certainty, and why meeting families where they are matters more than ever. In this episode, we discuss: • Why “sensitization does not equal allergy” and what that actually means • The difference between allergy, intolerance, and sensitivity • Why food sensitivity tests are often misleading • The truth about local honey and seasonal allergies • Shellfish allergy and contrast dye myths • Egg allergy and flu vaccine misconceptions • Why 90 percent of reported penicillin allergies are not true allergies • How timing and rash characteristics matter when evaluating antibiotic reactions • The explosion of biologic medications and the hidden burden of insurance approvals • How social media can improve doctor patient communication • The role of humility and nuance in rebuilding trust • Humanizing doctors and why connection is powerful medicine To connect with Dr. Zachary Rubin follow him on Instagram @rubin_allergy, check out all his resources at linktr.ee/rubin_allergy and buy his book “All About Allergies!”: https://www.penguinrandomhouse.com/books/790561/all-about-allergies-by-zachary-rubin-md    00:00 Allergy Is Not a Catch-All Term 02:37 Why Dr. Rubin Went Online 09:27 Why This Book Had to Exist 12:59 What Parents Are Most Anxious About Today 15:10 Why Food Allergy Testing Is Often Misused 16:38 Allergy vs. Intolerance vs. Sensitivity 22:01 The Obsession With Blood Work 24:57 The Systems Problem in Medicine 34:08 Rebuilding Trust in Medicine 38:51 How Social Media Made Him a Better Doctor 43:53 Allergy Myths That Need to Go 48:57 The Penicillin Allergy Problem 50:55 Rashes, Timing, and True Drug Reactions Our podcasts are also now on YouTube. If you prefer a video podcast with closed captioning, check us out there and ⁠subscribe to PedsDocTalk⁠. Get trusted pediatric advice, relatable parenting insights, and evidence-based tips delivered straight to your inbox—join thousands of parents who rely on the PDT newsletter to stay informed, supported, and confident. ⁠⁠⁠⁠Join the newsletter⁠⁠⁠⁠! And don't forget to follow ⁠⁠⁠⁠@pedsdoctalkpodcast⁠⁠⁠⁠ on Instagram—our new space just for parents looking for real talk and real support. We love the sponsors that make this show possible! You can always find all the special deals and codes for all our current sponsors on the ⁠PedsDocTalk Podcast Sponsorships⁠ page of the website.  Learn more about your ad choices. Visit podcastchoices.com/adchoices

Chances are, your accounts receivable (AR) is not dialed in. Kiera provides very tactical, specific tips on how to get your AR cleaned up and start bringing in money you've already earned. Episode resources: Subscribe to The Dental A-Team podcast Schedule a Practice Assessment Leave us a review Transcript: The Dental A Team (00:00) Hello, Dental A Team listeners. This is Kiera and today is a very important topic But one the people like my rat rat rat, but guess what my rat rat rat is gonna make you a lot of money So I hope you're excited for it. So we'll take that rat rat rat into kaching Because it's dentistry party done and we're just gonna like help you out. I hope you guys enjoy hanging out with me This is my like nerdy geeky side that definitely loves and obsesses of being able to help you guys and it's been so fun I'm working with some people and teaching them about this and   getting them excited on how they can fix their AR ⁓ is something that just like really, really lights my fire because doctors, you do the freaking dentistry, get paid for it. Can I get an amen out there? Like seriously, you do the dentistry and AR and making sure you're paid is something that I am so obsessed about. So, and this doesn't mean doctors, have to do it yourself. So I want us to get into the AR like the womp, womp, womp, it's annoying, but guess what? These are billing tips that work that are gonna make you a lot of money for work that you've already done.   This is like people like, Kiera, how can I make more money and not do more work? And I'm like, just take the money, the what you've already done. it's crazy. lot of people come in and like, Kiera, you're really going to be able to like, ⁓ give us an ROI on your consulting. And I'm like, time. Why? Because I know your AR is out of control. have yet to meet a practice that has perfect AR. And if you are the practice email me, I'm going to give you a freaking shirt and we don't get out done on a team shirts anymore. So yeah, you should definitely email us. ⁓ there are a couple of practices out there.   But most the time, AR is something that is not dialed in. It does not have a plan. And this is something that is going to be very tactical for you. So first step is AR. What is AR? It's the accounts receivable. Okay. And there's two parts to it. AR has the patient portion and the insurance portion. Okay. So when we do dentistry, we need to make sure we collect money and we bill insurance and then we make sure that we get paid for that. Now, insurance is such a sneaky little game and I get so annoyed by it I love to teach people this.   So we need to have it where there's like a few processes that make AR really good. So we're gonna break it down very simply. Number one, good information in means good clean claims going out. I'm always like, we send clean claims. Clean claims mean, clean claims, clean claims. Clean claims, clean claims. ⁓ Clean claims. I'm gonna giggle saying it. I can hear the little jingle in my voice. Clean claims means that we...   have the correct information. So I've got the patient's name, the date of birth, the insurance information. That's all correct. I've got the group number and please for the love of everything, holy, do not make a million group numbers. Do not do that. Make sure AR are so messy and your insurance box is so messy. We just have it. We also need to have fee schedules that are up to date every single year. Please do that. We need to attach it. We do not want write-offs. So what this means, ⁓ also another like, it's not a pet peeve. It's just like,   Oh, I'm sorry. You need to like listen to the podcast and implement this. Stop reporting to me your fees in gross numbers and do it in net. So many times I get on calls with people and they're like, Kiera, we produced like 2 million, but we collected one. And I'm like, ouch. And they're like, well, like our net was like, you know, 1.2. I'm like, so tell me you produce 1.2. Let's live in real land numbers, not the 2 million. Cause you're always going to be mad at me. They're like, well, I produced 2 million, but I'm only making a million. Well, yeah.   Because guess what? You didn't really produce two million. I know you want to say you did, but guess what? Insurance is what really is paying you. So we've got to do that. And I know you don't want to, but when you will do this and you attach the correct fee schedules to it, you are actually going be able to predict your numbers better and your money and your finances are going to get better on your personal side too. So hear me out. It was the worst day. was worse than Christmas getting a lump of coal. I took our production and it dropped us by 30%. And guess what? My goals are to produce 20 grand in a five out practice per day. You want to know how hard that was? I was like, I'm never going to make it.   But guess what? Because I was reporting in real numbers, me even as a TC and an O.M. we were able to schedule more correctly and get us to the actual 15 grand of true 15, 20 grand per day of true production that we were collecting. How much do think my business grew? ⁓ a lot because we were actually producing incorrect numbers, not inflated numbers. So clean claims. We're back to that clean claims mean we've got correct information. We've got the correct ⁓ all of the information is correct.   We've got our insurance verification done and we've got the fee schedules attached. So then when I'm giving an estimate, I'm estimating to the best of my ability. We do not send pre-Ds. I call them pre-denials. You can have your own opinion, but I really truly do not like pre-denials. They take time, they waste energy. And to me, guess what? I got the best information. I'm a thousand dollars. I'm an insurance coupon. I need to be a dang good treatment coordinator that's able to communicate this. And if the patient owes money, guess what? We've got to be really good at communicating that too. This is our best estimate.   I'm gonna do my absolute best. We called your insurance company. I've got the best insurance verification. This is the absolute best I can get today. We're gonna take care of that. And on the flip side, hey, worst case scenario is you're gonna owe this much out of pocket. Tell them that. Then they're not mad at you when you call them. like, hey, insurance didn't pay as much as we thought. But remember, worst case scenario, this is what it is. And I can work with you to get that collected, okay? So then from there, we make sure we have correct documentation as well. We need to attach the correct narratives.   ⁓ insurance or excuse me, x-rays, intra-orals, whatever we need to get that paid. Insurance companies are obsessed with not paying for you, but it's because they play the game. So just figure out the rules of the game. We have our fee schedules in there. We send the correct documentation and we send it out every day and we check to make sure none of these claims get stuck in our claim sender. Okay, so we wanna make sure it goes through the clearing house. It doesn't get stuck there. I feel like that's like the post office for claims. We send it through and we make sure all of them get pushed through to the insurance company.   and then we follow up. And now this is where I need owners of each of them. So we need somebody to make sure that all of our intake process is correct. We need someone to make sure that our, what we send out in our claims is correct. And we tell the clinical team what we need for every single claim. And then from there, we have one person who owns our billing department. AR needs to have a clear owner. Who is our billing person that works on this every single day? Yes, you heard me. Because the goal is to get our claims paid within 30 days. You can do it. It's doable, but you gotta have a process.   So that person then their job is I recommend we run the AR list at the beginning of every single month. Then we put it into an Excel spreadsheet or however you want to do it. I found that it's easiest in Excel and then we have it color coded. And I like it to be broken down so that way the biller, their goal is to get through every single patient. Yes. And I have seen 2,500 patients, 7,500 patients. Like it is amazing how many like line items we can get. Hopefully you're more like the 500 to 700 patients on that AR list.   Then what we do from there is we've got patient portion and insurance portion. And what we want to do is we want to actually get this really, really dialed in to where we are collecting at time of service, the patient portion. My hope is that your patient portion that's due is very minimal. And the only time we have a patient portion due is because insurance didn't pay as much as we expected them to. So we got to go collect. We've already collected the money before they go out. Please, for the love of everything, holy do not let your patients just be like, I'll pay you with an insurance pays. Absolutely not.   collect the money today. It is much easier to collect today and give a refund than it is to go chase money. I'd rather you get paid today, wait on insurance. That's fine. But be like, hey, we call your insurance. We estimate really, really well. This is how much we're going to collect today. And then, hey, if it's good news, great. We're going to be able to get you a refund. And if it's not, then great. We're not going to have to call you and ask for as much in the future. So this is what we're estimating. This is our best estimate. We've called your insurance company. We've done everything we possibly can to make sure it's the best we can. And I guarantee you, we're going to take great care of you.   Collect the money. Then when it comes in, what I like for the biller to do is to look, what did this insurance company actually pay? And then go update your fee schedule to the true numbers, because fee schedules are just very generic, but for your area and your zip code, we actually like, if insurance billers will go through and look at that and be like, on a crown, Delta Dental actually pays $758. You're like, yeah, right here, it's like 500. Okay, so $558, but we had 500 in there.   Go update that so then we collect more accurately throughout the year. If we are really disciplined in this and our insurance biller will do this, your billing gets so much tighter and we have less money in our AR. Then we go through it, we go through every single claim. Now if your insurance is a lot in the AR, because we haven't worked it, you're gonna wanna work with the top pieces first. The most expensive, the biggest accounts, and I work insurance ones, and then I work patient ones. And I also am looking at the 90 days, and then the 60 days, and then the 30 days.   And then the zero, don't even like zero to 30. don't even touch that 30 to 60. Yes. 60 to 90. Yes. Over 90 for sure. I'm going to hit that. So you can sort your listing Excel of the biggest account balances. And we're going to call the insurance. We're going to call the patients because you feel like you made like a lot of progress. Also, we can look down at the bottom. Another thing too, is sometimes there's like $5, $10. If your insurance list is really big and your AR is really large, sometimes I recommend writing like below $10. Now this is your money. It's not mine. So you do what you want to do with it.   Sometimes I do recommend writing that off, but before we do it, we're to want to send statements to everybody, see if we can collect any of that. Then we have a set date where we're just going to write it off and call it bad debt. We're going to fix our processes moving forward. But if you will do this and you follow it and everybody follows it every single week, every single month, your AR is going to get cleaned up. So people are like, but it's so hard. And we have like one person who owns it. And I say like Tuesdays and Thursdays are insurance and Monday, Wednesday, Fridays are patients. And we call our patients and we do our insurance.   and we clean it up and we get the correct fee schedules and we make sure that we're following up consistently. We're hearing, excuse me, what they say on the ⁓ claims. We're hearing what they are denying. Also, just because it's on a claim and they on an EOB and they say, you need to write this off. We do need to be really smart on insurance and we don't just say, we wrote it off. Absolutely not. We double check, we verify why was it written off? What were the reasons for it? Can we resubmit it? Can we get this paid? Is this a patient portion that needs to be paid?   Do not just write it off because the EOB says it was written off. So we do not do that. Then what I also recommend is we often wait till the end of the month. We talk to our billers and they didn't get through all their AR. Office managers should be meeting every single week with their billing coordinator and the biller needs to be reporting. Here's how much AR I've completed. This is where I'm at. This is my plan for the next week. I'm going to get through every single patient this month. Also, we do not just send statements out. People love to do this. I'm very pro.   We call first, we text and then we send a statement. Why not just call them right then and there and be like, hey, Kiera, great news. We got insurance paid, we owe this amount and I can take card when you're ready and get that all cleared up for you. Send them a text with the payment link. Here you go, this is the balance and they will pay it. Send them a statement that has a QR code to pay online. You guys stop having them write checks and send it to the practice. Make it easy, talk to your payment processor. I love Moola for this. They make it so easy for patients to pay and their fees are so low. So if you need it, tell Moola, The Dental A Team, sent you.   They're incredible and they're a great processor for you. But this is where it has to be. And I'm really big on what we need to have our goals be. So I like to make this simple. Our over 90 should be no more. All of our collective AR should be no more than one month's worth of collection. So if you're producing 100,000, there should be no more than 100,000 sitting in AR. you've got more than that, let's fix   the way I like the goals to be is I like it to be it's no more than 15 % is in our 30 to 60. And the reason why is because that's going to be pretty big. Now zero to 30, I don't worry about, but it's 15 % or less in our 30 to 60. Then it's 10 % or less in our 60 to 90 and less than 5 % over in our over 90. We want to make sure that it follows that. So that way you guys are able to, but great. And those are very generic and you can get those lower. The only thing that usually impacts are over 90 are usually payment plans and also ortho.   So if you have those in there, there are ways that we can discuss with you on how to get those out to clean up your AR, but you've got to have this structured. We've got to have this to where people are following it. And we need to get this in every single week and like truly work with our billers. And if offices will follow this, you guys, this is something that is not hard, but it does take discipline and discipline does equal freedom. And doctors, had a doctor and she was just like, Kiera, I'm not making any money. And I was like,   I don't understand because you have so much money in AR and your production's so great, but we're not collecting the money. So step one is we collect. Now, if your AR is also like ballooned out of control, we can fix it and we collect money when they check in and we make sure we collect on the checkout. So this way we're catching both sides of when patients are in the practice. And some people are weird about that. And I'm like, why are you weird about that? We know they have a balance and we're gonna collect it when they check in. Think about going to the doctor's office. So like perfect, they collect money as soon as you check in every single time.   It's not weird for people to do that in healthcare. So let's collect on the intake and let's collect on the outtake when we're giving the treatment plans. These two areas are gonna fix AR and people are like, that's so hard. And I'm like, I would much rather collect money when they're in the practice rather than needing to call them. Also, another mode of thought is I don't ever give more than 1 % of collections in refund checks every single month. So refunds and credits can get really ballooned people are like freaked out about that. Cause maybe like collected too much, which is like,   High five, good. I'm not saying over collect, like, hey, insurance paid more like that's a win. But before we give those refund checks out, those are the ones I'm gonna call first to see, do they have unscheduled treatment? Like, hey, great news, your insurance paid more than we thought. Let's get you scheduled, let's use that credit for this treatment. So it's a great way to fill your schedule too. But hey, if there's a true credit on the account, let's just start writing 1%. So if we're producing 100,000, what's 1 %? You got it, a thousand bucks, okay?   So 1 % of that, we're gonna then write those refund checks back for that month. This way it doesn't hurt your overhead of time. Now watch because there are certain state laws that do require you to give refunds sooner than that. So check your state laws and make sure like whatever it is. There are some new ones that have just come out. So be sure to check that so you're compliant with your state laws. If there's nothing about it, 1 % is usually a pretty good frame of mind. So that was a quick down and dirty and I hope you enjoyed it. But really taking it from clean claims, you're welcome.   to fee schedules being entered in, to submitting claims and making sure they go through, to following up on our insurance, making sure that we're tracking that so everybody knows where our claims are at, what things are going on with that. And then from there, we're gonna make sure that we have ⁓ every single week check in with our biller. And billers know we want 15 % in our 30 to 60, 60 to 90 is 10%, over 90 is no more than 5%, no more than one month's worth of collections total in our AR, and giving back 1 % refunds.   You guys, this is something I obsessed about. This is something we work with billers on. I have a practice in Oklahoma that we worked with. They had 2,700 line items of this and we just worked with our team and we cleaned and we cleaned it and it took us about two years and we were able to get them back into perfect collections, perfect processes. It took a while, but discipline, dedication and setting these things into place now are going to protect you and prevent this from happening in the future. Also, there are some great AI companies that you can use.   ⁓ Lassie is a great one that I've heard of. There's a few new ones coming up on the market. So if you need help with it, insurance verification, you can outsource. We have a lot of resources. So if you need any email Hello@TheDentalATeam.com. And if you're like, I need help, I'm drowning, I'm not making money. Let's talk. Profit production guys. it's the way we get more profit. We either increase our production, decrease our spending or increase our collections. Those are the three levers. So whatever those three we need to work on. And sometimes it's so hard because you're like,   But like I'm doing dentistry all day long, Carrie, I have time. You're right. You're supposed to be the dentist and the CEO. Let us train your team for you. That's what we love to do. Work with you and your team. So reach out. Hello@TheDentalATeam.com. Commit to being profitable this year. Commit to getting your AR in place. Commit to following these billing tactics. You guys, it is not hard, but it does require discipline. And we're happy to help you set it up. We're happy to follow through. We're happy to show you how to have the conversations. We're happy to show your team how to do this. We're happy to build KPI scorecards so you can watch it and utilizing analytics for it. So it's never daunting and scary.   It's disciplined dedication and dedicated time to make sure this happens. And usually team members get scared and it feels daunting. So it's kind of like the laundry. just like keep letting it pile up, but doctors, this is your hard earned money. And I don't believe it should be like laundry that piles up. It'd be, should be something that we are actively engaged in fixing and working through to make sure that you're getting paid what you need to be paid. So reach out. Hello@TheDentalATeam.com. And as always, thanks for listening. I'll catch you next time on the Dental A Team podcast.

Anne Coates, Senior Manager at CMFG Live Insurance, takes the stand in the Kouri Richins trial.Kouri Richins stands accused of poisoning her husband Eric Richins with a lethal dose of fentanyl in March 2022—allegedly to collect on a $1.9 million life insurance policy she secretly increased just weeks before his death. What prosecutors describe as a calculated murder-for-profit scheme, the defense calls a tragic accident involving a man who, they claim, had a hidden drug problem.This is gavel-to-gavel coverage of one of the most closely watched trials in Utah history. A children's book author. A grieving widow who wrote about "heaven" for kids while allegedly researching untraceable poisons. A husband who may have been killed in his own bed.Hidden Killers brings you complete trial coverage with expert analysis—no sensationalism, just the facts as they unfold.Join Our SubStack For AD-FREE ADVANCE EPISODES & EXTRAS!: https://hiddenkillers.substack.com/Want to comment and watch this podcast as a video? Check out our YouTube Channel. https://www.youtube.com/channel/UC8-vxmbhTxxG10sO1izODJg?sub_confirmation=1Instagram https://www.instagram.com/hiddenkillerspod/Facebook https://www.facebook.com/hiddenkillerspod/Tik-Tok https://www.tiktok.com/@hiddenkillerspodX Twitter https://x.com/TrueCrimePodThis publication contains commentary and opinion based on publicly available information. All individuals are presumed innocent until proven guilty in a court of law. Nothing published here should be taken as a statement of fact, health or legal advice.#KouriRichins #KouriRichinsTrial #EricRichins #UtahTrial #TrueCrime #HiddenKillers #FentanylPoisoning #MurderTrial #TrueCrimeCommunity #Justice

The MSP market is undergoing a critical shift toward risk management as the central value proposition, with operational accountability now defined by the ability to produce defensible documentation and deliver rapid incident response. According to Dave Sobel, MSPs are no longer primarily offering stack management, but are increasingly brokering risk through cyber warranties, insurance underwriting, incident retainers, and AI governance frameworks. Those unable to support their claims with evidence and formal processes risk becoming mere facilitators for third-party terms and losing control over their margins. Recent developments reinforce this shift. A Splunk report finds that nearly all CISOs now view AI governance and risk management as their responsibility, citing threat actor sophistication as a primary driver. AI is assisting with event triage and data correlation, but verification—especially around AI-generated content—is unreliable, with detection tools struggling against advanced fakes. Insurance mechanisms are becoming productized with prioritized incident response, and legal intelligence is being embedded into MSP workflows. Vendors like N-able, Monjur, SentinelOne, and DocuSign are directly integrating financial, legal, and governance functions into their offerings, fundamentally altering client and vendor relationships. Adjacent stories illustrate volatility in traditional safeguards and the operational reality of adaptive threats. CISA leadership changes indicate instability in public response institutions. AI-powered malware exemplifies the challenge: ESET's PromptSpy uses Gemini to continuously adapt its persistence, outpacing static detection models. Insurance underwriters are increasingly demanding machine-verifiable evidence of controls, using detailed questionnaires to distinguish autonomous AI from marketing claims. The risk is no longer just technical; it is structural. For MSPs and IT leaders, operational posture is now shaped by an ecosystem of embedded warranties, legal terms, governance requirements, and adaptive threats. The ability to document, defend, and productize risk controls becomes a baseline for credibility and insurance eligibility. Failure to build evidence pipelines and clarify vendor-imposed liabilities exposes service providers to compounded risk. The practical implication is a necessity for MSPs to treat governance and detection as measurable, documented capabilities—not assumptions or routine paperwork. Three things to know today: 00:00 CISOs Own Governance, Detectors Lag Fakes, Response Gets Contracted — Accountability Follows 03:14 N-able, SentinelOne, DocuSign Move Risk Management Into the Stack — MSP Terms Follow 05:10 CISOs Want Agentic AI, But Insurers and Adaptive Malware Are Forcing the Timeline 07:32 Why Do We Care?  Supported by:  CometBackUpSmall Biz Thoughts Community

If you'd like to work with us on your Medicare health plan, we're licensed in 45 states and actively helping clients across the country. Christian and the team at Everything Senior Insurance represent many of the top insurance companies in the Medicare space. We're happy to help—just reach out! ➡️ Visit our site: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.eseniorinsurance.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠✅ Call us: (801) 255-5340

There's a tension at the heart of modern banking that technology doesn't seem to totally resolve: how do you be both, digitally excellent and deeply human at the same time? Most banks have picked a lane: either betting on digital efficiency or doubling down on relationship banking. But consumers aren't asking for one or the other. They want both. They want their banking app to work flawlessly when they need it, and they want someone who actually knows them when it matters. My guest today is Dontá Wilson, Truist's Chief Consumer and Small Business Banking Officer. He leads 20,000 teammates serving clients through both digital channels and more than 1,900 community banking branches. His portfolio spans core deposits and loans to mortgage, auto, credit cards, and the full stack of consumer products. He also oversees Truist's multi-year growth plan that's reimagining both their digital experience and their physical branches using insights and AI. We talked about how AI is redefining consumer expectations and trust, what it takes to innovate inside a highly regulated industry while keeping client purpose at the center, and why Dontá believes innovation without empathy is empty.

A growing number of dentists are reconsidering PPO participation as costs rise and reimbursement falls. In this episode, Kirk Behrendt sits down with dental consultant Deborah Engelhart Nash to unpack why a reported 29% of surveyed dental practices stopped taking insurance in 2025, what fears keep dentists stuck, and how to transition the right way. You'll learn how to evaluate your patient mix, identify low-hanging fruit plans to drop first, communicate changes without blaming insurance, and redesign systems so your team can focus on people work instead of paperwork—listen to Episode 1016 of The Best Practices Show!Main TakeawaysA survey of dental marketers' client data reported that 29% of participating practices stopped taking insurance in 2025.Leaving insurance rarely fails when doctors do due diligence on patient concentration, capacity, and fee schedules before making changes.Doctors should prioritize dropping low-reimbursement plans and plans with low patient volume instead of quitting all plans at once.If a practice is booked out for months with in-network patients while losing money on those visits, reducing PPO participation can open capacity for higher-fee care.Successful transitions require team alignment, consistent messaging, and avoiding language that blames insurers or frames the decision as “about the money.”Practices should reframe insurance as an employer-provided allowance that helps offset care rather than something that determines the standard of care.Outsourcing insurance and billing work can help teams focus on patients, keep up with code changes, and improve claim outcomes.Snippets:00:00 Intro02:20 The survey source and the 29% statistic from 2025.03:15 Why some in-network hygiene visits can lose money.05:20 The “40% cut” example to explain PPO economics to teams.06:25 Why dentists don't go back once they leave insurance.07:10 The Anchorage example: when a single employer dominates the patient base.08:10 If you're booked out for months, cutting low-fee volume can create room.09:15 How umbrella plans expanded participation without doctors realizing it.10:10 Start with low-hanging fruit plans and lowest reimbursement fee schedules.12:05 The reminder: about 50% of Americans don't have dental insurance.13:20 How many active patients a solo doctor with two hygienists actually needs.15:15 Why the patient conversation should focus on quality of care, not fees.17:05 What callers ask first—and how to answer the insurance question.18:05 Predicting the future: hybrid models based on practice profile.20:10 “Roleplay” reframed as upskilling the team.23:05 Outsourcing insurance to specialists so teams do people work.24:00 72 insurance code changes in 2025 and why that matters.25:15 The biggest fear: upsetting the team, not the patients.30:55 The transition checklist: due diligence, team prep, timelines, and letters.33:00 Where to find Deborah and request the insurance letter template.Guest Bio/Guest ResourcesDebra Engelhardt-Nash has been in dentistry since 1985 as a consultant, trainer, author and speaker. She has presented workshops nationally and internationally for numerous associations and study clubs. She is a repeat presenter for organizations including Chicago Dental Society Midwinter Meeting, the Yankee Dental Meeting, The Swedish Academy of Cosmetic Dentistry, and the Greater New York Dental Meeting. Debra has also appeared on several podcasts and webinars and authored several articles for dental publications.Debra served three terms as the President of the Academy of Dental Management Consultants who presented her their Lifetime Achievement Award as well as the Charles Kidd Meritorious Service Award. She is the Immediate Past President of the Academy for Private Practice Dentistry. She has been repeatedly recognized as a Leader in Consulting and Education by Dentistry Today and has been listed as top 25 Women in Dentistry. Debra is also the recipient of the Gordon Christensen Lecturer Recognition Award.Guest Resources:Deborah Engelhart Nash website: https://debraengelhardtnash.com/Text: 704-904-3459More Helpful Links for a Better Practice & a Better Life:The Best Practices Show: https://www.actdental.com/podcast/Best Practices Association: https://www.actdental.com/bpaUpcoming Events & Workshops: https://www.actdental.com/events/Smile Source: https://www.smilesource.com/Subscribe on Apple Podcasts: https://podcasts.apple.comSubscribe on Spotify: https://open.spotify.com

Episode Overview What does it actually take to run a digital insurance operation at the system level—not at the chatbot layer, but at the transaction layer? Joshua R. Hollander speaks with Wayne Slavin, CEO and Co-Founder of Sure, about the infrastructure required to deliver true digital insurance in an AI-agent world. Wayne describes Sure's role as "what Visa and Mastercard were in the early days of credit cards"—building the rails for digital insurance distribution. Key Topics 1. What "Digital Insurance" Really Means Digital insurance is not about moving forms online or replacing phone calls with web interfaces. True digital insurance is straight-through processing from quote to policy issuance to payment—mirroring the speed and frictionlessness of e-commerce transactions. Wayne explains: "If that transaction requires some asynchronous process, some process that is interrupted, that we are actually not doing digital insurance." The benchmark: the entire process happens within minutes, not days or weeks. 2. API-First Infrastructure vs. Legacy Core Systems Sure's platform differs fundamentally from monolithic core policy administration systems (like Guidewire or Duck Creek) because it was built API-first with data normalization at its foundation. Legacy cores encourage over-customization, which locks insurers into inflexible, non-compliant systems. Sure's approach standardizes policy data across product types (homeowners, renters, fine art, landlord), enabling rapid changes and integrations. Unlike legacy systems, Sure doesn't force carriers to choose between their existing tech and innovation—it coexists alongside legacy infrastructure. 3. Model Context Protocol (MCP) and AI Agent Integration In February 2026, Sure announced the industry's first MCP server integration, enabling Claude AI agents to interact directly with Sure's infrastructure. MCP is a standardized protocol that allows AI agents to connect to business systems without custom integrations for each use case. This means insurers and brands no longer need 6-12 months of engineering to embed insurance; AI agents can quote, bind, manage, and renew policies conversationally. 4. Why Non-Endemic Brands Will Build Insurance The next major insurance distributors won't be insurance companies. They'll be brands, e-commerce platforms, fintechs, and technology companies with massive customer bases. Wayne's economic thesis: if a brand can convert customers to insurance at 20-30x the typical rate (vs. giving customer data to a third party), the unit economics change entirely. Large brands now have a path to retain customers and data while building insurance revenue. 5. The Transaction Layer as Moat Insurance isn't like retail or travel—regulatory consequences are real, policy admin systems are complex, and compliance layers must operate end-to-end. Sure's competitive advantage lies in building the foundational transaction layer that carriers either cannot replicate internally or would take years to engineer. This infrastructure layer is what enables AI agents to work reliably within compliance and regulatory constraints. 6. Insurance as an Ecosystem The future isn't a single insurer offering multiple products—it's an ecosystem where brands, platforms, and technology companies collaborate on insurance delivery. AI agents, powered by Sure's infrastructure, enable this distributed, composable insurance ecosystem. Key Quotes -"What digital insurance really means is truly a straight-through process where you're starting to get a quote that quote will be a real quote. It's not an estimate. It will become a real policy. You will pay real money. You will get a real coverage document. And the timing of all of that is pretty close to what you expect from regular old e-commerce." -"The next big insurance distributors won't be insurance companies. They will be brands. They'll be technology companies. They'll be fintechs. They'll be AI companies. They'll be companies that are currently sitting on large customer bases that don't have insurance products today." -"Before MCP, if an AI agent wanted to interact with an insurance system, you'd have to build a custom integration for each system, each use case. MCP standardizes that." Resources • Sure: https://sure.com • Wayne Slavin LinkedIn: https://www.linkedin.com/in/wayneslavin • Horton International: https://www.horton-usa.com/ Subscribe & Connect Tune in to the Insurtech Leadership Podcast for deep-dive conversations with insurance executives, founders, and innovators shaping the future of insurance technology. • LinkedIn: https://www.linkedin.com/in/joshuarhollander/ • Podcast Showcase: https://www.linkedin.com/showcase/insurtech-leadership-show #InsurTech #Insurance #InsuranceInnovation #Innovation #FutureOfInsurance #Leadership #ExecutiveLeadership

This may be a healthcare town but, even here, figuring our way around the system – affordably – is a real challenge. And it's becoming a greater challenge for many people who've dropped coverage because the Affordable Care Act Marketplace has become anything but affordable. In this episode, we tour our federally-qualified health centers (FQHCs) and community clinics, get some help for anyone without insurance who finds out they're pregnant, and learn the value of HealthQ.Guests:  Cara Anthony, HealthQ co-host and reporter, KFF Health News Katina Beard, CEO, Matthew Walker Comprehensive Health Center Sade L Davis, board chair, Neighborhood Health Katie Richards, CEO, Siloam Health Dr. Rohini Chakravarthy, medical director, Vanderbilt's Shade Tree Clinic This episode was produced by Blake Farmer.

Beazley's Head of U.S. Cyber, Melissa Carmichael, breaks down the mounting pressures in the 2026 cyber insurance market and explains how insurers are balancing profitability, coverage, and emerging … Read More » The post AI Is Supercharging Ransomware. Is Cyber Insurance at Risk? appeared first on Insurance Journal TV.

Horlicks: Use it for sick kids. Easy even for babies to digest, and helps them recover from sickness. Ready for another visit to Pine Ridge? Let's go! Abner is afraid…

What happens when an allergist steps into the online world and starts breaking down headlines in real time? In this episode, I sit down with Dr. Zachary Rubin, board certified allergist and immunologist, content creator, and now author of All About Allergies. We talk about why allergy misinformation spreads so easily, why “allergy” is not a catch all term, and how social media has unexpectedly made him a better clinician. We also get honest about the current state of medicine. Burnout. Insurance barriers. The time crunch in clinic. And why rebuilding trust between families and physicians starts with better communication, humility, and human connection. This is a conversation about nuance in a world that craves certainty, and why meeting families where they are matters more than ever. In this episode, we discuss: • Why “sensitization does not equal allergy” and what that actually means • The difference between allergy, intolerance, and sensitivity • Why food sensitivity tests are often misleading • The truth about local honey and seasonal allergies • Shellfish allergy and contrast dye myths • Egg allergy and flu vaccine misconceptions • Why 90 percent of reported penicillin allergies are not true allergies • How timing and rash characteristics matter when evaluating antibiotic reactions • The explosion of biologic medications and the hidden burden of insurance approvals • How social media can improve doctor patient communication • The role of humility and nuance in rebuilding trust • Humanizing doctors and why connection is powerful medicine To connect with Dr. Zachary Rubin follow him on Instagram @rubin_allergy, check out all his resources at linktr.ee/rubin_allergy and buy his book “All About Allergies!”: https://www.penguinrandomhouse.com/books/790561/all-about-allergies-by-zachary-rubin-md    00:00 Allergy Is Not a Catch-All Term 02:37 Why Dr. Rubin Went Online 09:27 Why This Book Had to Exist 12:59 What Parents Are Most Anxious About Today 15:10 Why Food Allergy Testing Is Often Misused 16:38 Allergy vs. Intolerance vs. Sensitivity 22:01 The Obsession With Blood Work 24:57 The Systems Problem in Medicine 34:08 Rebuilding Trust in Medicine 38:51 How Social Media Made Him a Better Doctor 43:53 Allergy Myths That Need to Go 48:57 The Penicillin Allergy Problem 50:55 Rashes, Timing, and True Drug Reactions Our podcasts are also now on YouTube. If you prefer a video podcast with closed captioning, check us out there and ⁠subscribe to PedsDocTalk⁠. Get trusted pediatric advice, relatable parenting insights, and evidence-based tips delivered straight to your inbox—join thousands of parents who rely on the PDT newsletter to stay informed, supported, and confident. ⁠⁠⁠⁠Join the newsletter⁠⁠⁠⁠! And don't forget to follow ⁠⁠⁠⁠@pedsdoctalkpodcast⁠⁠⁠⁠ on Instagram—our new space just for parents looking for real talk and real support. We love the sponsors that make this show possible! You can always find all the special deals and codes for all our current sponsors on the ⁠PedsDocTalk Podcast Sponsorships⁠ page of the website.  Learn more about your ad choices. Visit podcastchoices.com/adchoices

① Why will economic growth and domestic demand top the agenda of China's national legislature at its annual session? (00:54) ② A conversation with Lu Ming, a Chinese national political adviser and a professor at Shanghai Jiaotong University, on how China can boost its service consumption. (12:51) ③ China has rolled out 20 measures to boost sci-tech insurance. How is this sector offsetting the high costs and inherent risks associated with tech innovation? (24:52) ④ Donald Trump has lashed out at Britain over its limited support for US-Israeli strikes on Iran. Has Britain learned a lesson from its involvement in 2003 invasion of Iraq? (34:19) ⑤ The United Nations has expressed deep concern following a mass killing in South Sudan. Why has the country been beset by civil war, ethnic violence, poverty since it was formed in 2011? (45:25)

Episode Notes Dana Nachman is back this season with Rob in order to watch as protocol takes precedence over potential casualties.

The revision from negative to stable for the directors and officers liability insurance segment is owed to rate stabilization, low loss ratios, tighter underwriting, and reduced regulatory scrutiny, according to a new Best's Market Segment Report discussed by AM Best Elizabeth Blamble, senior financial analyst, AM Best.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Dr. Willie Jolley. SUMMARY OF THE INTERVIEW In this energetic and motivational conversation, Hall of Fame speaker Dr. Willie Jolley joins Rushion McDonald on Money Making Conversations Masterclass to discuss his new book, “Rich Is Good, Wealthy Is Better.” The interview covers the difference between being rich and being wealthy, the mindsets required for long-term financial growth, and how individuals—no matter their background—can build generational wealth. Jolley also emphasizes discipline, humility, planning, multiple streams of income, overcoming setbacks, and the importance of insurance and protection of assets. PURPOSE OF THE INTERVIEW The interview aims to: 1. Introduce and promote Dr. Jolley’s new book “Rich Is Good, Wealthy Is Better” and the teachings within it. 2. Educate listeners on the distinction between rich and wealthy Jolley wants audiences to understand wealth in generational, not short-term, terms. 3. Motivate individuals to shift their financial mindset From “working money” to “mailbox money.” 4. Empower entrepreneurs and families To adopt discipline, drop pride, and create multigenerational financial systems. 5. Share Jolley’s personal setback‑to‑success story To reinforce that anyone can grow wealth with the right principles. KEY TAKEAWAYS 1. Rich vs. Wealthy Being rich = high income, often tied to active labor (e.g., athlete contracts). Being wealthy = passive income, ownership, generational sustainability. A rich football player earns millions; the team owner earns billions and doesn’t have to “run up and down the field.” 2. The Five Money Mindsets Jolley explains five financial mindsets: One‑day mindset – living day to day. 30‑day mindset – fixed incomes/check-to-check living. One‑year mindset – annual thinking (raises, annual income). Decade mindset – typical for entertainers/athletes with multi‑year contracts. Generational mindset (Wealth Mindset) – building wealth to last multiple generations. Jolley’s goal: move people up just one level at a time. 3. Five Types of Wealth Jolley breaks wealth into five categories: Financial Wealth Health Wealth (“A sick person has one dream; a healthy person has a thousand.” – Les Brown) Relationship Wealth Reputational Wealth (Brand) Intellectual Capital Wealth (What you know and can charge for) 4. Discipline Is the Key Wealth requires: Living below your means Investing the difference Consistency Avoiding arrogance and ignorance 5. Pride Is an Enemy of Wealth Pride leads people to overspend to keep up appearances.Jolley argues that pride “kills wealth” and must be replaced with planning and humility. 6. The Three Legs of Wealth To build sustainable wealth, you need: Income Investment (letting money work for you) Insurance (life, health, car, disability, long-term care) 7. Multiple Streams of Income Jolley urges everyone to build at least two streams of income from: Stocks Bonds Real estate Crypto Collectibles Jewelry Art Content creation 8. Overcoming Setbacks Jolley details his own journey from unemployed nightclub singer to globally recognized motivational speaker.He reinforces that a setback is a setup for a comeback—the core message of his earlier bestselling book. 9. It’s Never Too Late to Start He cites examples of: A secretary who retired with $8M by investing small amounts over time Invested $12,000 at age 65 and grew it to $890,000 by age 72 NOTABLE QUOTES FROM THE INTERVIEW On Time & Opportunity “I have only just a minute… but it’s up to me to use it.” On Mindset “Wealth starts in your mind.” On Rich vs. Wealthy “Regular folks work for their money. Wealthy people make their money work for them.” On Pride “My pride was killing my wealth.” On Growth & Learning “If you’re willing to learn, no one can stop you.” [On Setbacks “A setback is a setup for your greater comeback.” On Starting Late “When is the best time to plant a tree? Eighty years ago. The second-best time? Today.” #SHMS #STRAW #BESTSee omnystudio.com/listener for privacy information.

Dr Eugene Manley grew up in Detroit in the 1980s cycling through emergency rooms 20 to 30 times a year with asthma and anaphylaxis while hospital staff talked past his family and buried them in paperwork they could not decode. He responded by earning a BS in mechanical engineering an MS in biomedical engineering and a PhD in molecular biology cell biology and biochemistry. Along the way he tore his ACL training for a jiu jitsu black belt worked 86 straight days in a lab during his doctorate and learned how academic and clinical systems punish people who refuse to shrink.In this episode Manley walks through a recent post surgery ordeal at Mount Sinai Queens where staff falsified records attempted an illegal discharge and nearly sent him home on the wrong blood thinner. He explains how medical racism shows up in charts staffing and decision making and why measurable equity fails without accountability. Listeners hear how his STEMM and Cancer Health Equity Foundation builds pipelines for underrepresented students challenges clinical trial design and teaches patients how to protect themselves when institutions lie. RELATED LINKS• Eugene Manley Jr• STEMM and Cancer Health Equity Foundation• Village Voice• LUNGevity FoundationFEEDBACKLike this episode? Rate and review Out of Patients on your favorite podcast platform. For guest suggestions or sponsorship email podcasts@matthewzachary.comSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Dr. Willie Jolley. SUMMARY OF THE INTERVIEW In this energetic and motivational conversation, Hall of Fame speaker Dr. Willie Jolley joins Rushion McDonald on Money Making Conversations Masterclass to discuss his new book, “Rich Is Good, Wealthy Is Better.” The interview covers the difference between being rich and being wealthy, the mindsets required for long-term financial growth, and how individuals—no matter their background—can build generational wealth. Jolley also emphasizes discipline, humility, planning, multiple streams of income, overcoming setbacks, and the importance of insurance and protection of assets. PURPOSE OF THE INTERVIEW The interview aims to: 1. Introduce and promote Dr. Jolley’s new book “Rich Is Good, Wealthy Is Better” and the teachings within it. 2. Educate listeners on the distinction between rich and wealthy Jolley wants audiences to understand wealth in generational, not short-term, terms. 3. Motivate individuals to shift their financial mindset From “working money” to “mailbox money.” 4. Empower entrepreneurs and families To adopt discipline, drop pride, and create multigenerational financial systems. 5. Share Jolley’s personal setback‑to‑success story To reinforce that anyone can grow wealth with the right principles. KEY TAKEAWAYS 1. Rich vs. Wealthy Being rich = high income, often tied to active labor (e.g., athlete contracts). Being wealthy = passive income, ownership, generational sustainability. A rich football player earns millions; the team owner earns billions and doesn’t have to “run up and down the field.” 2. The Five Money Mindsets Jolley explains five financial mindsets: One‑day mindset – living day to day. 30‑day mindset – fixed incomes/check-to-check living. One‑year mindset – annual thinking (raises, annual income). Decade mindset – typical for entertainers/athletes with multi‑year contracts. Generational mindset (Wealth Mindset) – building wealth to last multiple generations. Jolley’s goal: move people up just one level at a time. 3. Five Types of Wealth Jolley breaks wealth into five categories: Financial Wealth Health Wealth (“A sick person has one dream; a healthy person has a thousand.” – Les Brown) Relationship Wealth Reputational Wealth (Brand) Intellectual Capital Wealth (What you know and can charge for) 4. Discipline Is the Key Wealth requires: Living below your means Investing the difference Consistency Avoiding arrogance and ignorance 5. Pride Is an Enemy of Wealth Pride leads people to overspend to keep up appearances.Jolley argues that pride “kills wealth” and must be replaced with planning and humility. 6. The Three Legs of Wealth To build sustainable wealth, you need: Income Investment (letting money work for you) Insurance (life, health, car, disability, long-term care) 7. Multiple Streams of Income Jolley urges everyone to build at least two streams of income from: Stocks Bonds Real estate Crypto Collectibles Jewelry Art Content creation 8. Overcoming Setbacks Jolley details his own journey from unemployed nightclub singer to globally recognized motivational speaker.He reinforces that a setback is a setup for a comeback—the core message of his earlier bestselling book. 9. It’s Never Too Late to Start He cites examples of: A secretary who retired with $8M by investing small amounts over time Invested $12,000 at age 65 and grew it to $890,000 by age 72 NOTABLE QUOTES FROM THE INTERVIEW On Time & Opportunity “I have only just a minute… but it’s up to me to use it.” On Mindset “Wealth starts in your mind.” On Rich vs. Wealthy “Regular folks work for their money. Wealthy people make their money work for them.” On Pride “My pride was killing my wealth.” On Growth & Learning “If you’re willing to learn, no one can stop you.” [On Setbacks “A setback is a setup for your greater comeback.” On Starting Late “When is the best time to plant a tree? Eighty years ago. The second-best time? Today.” #SHMS #STRAW #BESTSteve Harvey Morning Show Online: http://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Radian Group is expanding beyond mortgage insurance with its acquisition of Inigo, marking a pivotal step toward becoming a diversified global insurer. CEO Rick Thornberry and Inigo CEO Richard Watson go Inside the ICE House to discuss the strategy behind the deal and how it accelerates Radian's entry into specialty insurance markets. They explain how disciplined underwriting, complementary risk profiles, and strong capital positions make the transaction both strategically and financially compelling.

In this episode of Making Risk Flow, host Jake Harding speaks with Bryan Falchuk, author of the Future of Insurance series, about why insurance's next competitive edge lies in intelligence, not efficiency. Bryan argues that carriers focus too heavily on operational optimisation when profitability depends on understanding and managing loss ratios. He introduces the “how might we” mindset as a way to break through cultural resistance and reframe constraints as opportunities. The conversation explores AI as a bridge between legacy systems and modern analytics, enabling transformation without massive system overhauls. Bryan also examines how misaligned incentives, complacency, and leadership hubris quietly undermine long-term strategy. Ultimately, he makes the case that curiosity, humility, and proactive risk intelligence will define the insurers that thrive in an era of rapid technological change.Fan Mail: Got a challenge digitizing your intake? Share it with us, and we'll unpack solutions from our experience at Cytora.To receive a custom demo from Cytora, click here and use the code 'Making Risk Flow'.Our previous guests include: Bronek Masojada of PPL, Craig Knightly of Inigo, Andrew Horton of QBE Insurance, Simon McGinn of Allianz, Stephane Flaquet of Hiscox, Matthew Grant of InsTech, Paul Brand of Convex, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.Check out the three most downloaded episodes: The Five Pillars of Data Analytics Strategy in Insurance | Craig Knightly, Inigo 20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL | Bronek Masojada Implementing ESG in the Insurance and Underwriting Space | Simon Tighe, Chaucer, and Paul McCarney, Moody's

Most brokers pitch self-funding as a silver bullet for cost containment, focusing on administrative fees and stop-loss premiums. But they ignore the elephant in the room: the actual claims data. If you are only trying to shave 10% off the admin fee - which represents just 15% of the total cost - you are completely missing the opportunity to find massive savings in the 85% of the pie that actually matters.My guest, Jeff Borglund, Co-Founder of IntegroIQ, joins me to explain why forensic claims auditing is the ultimate wedge strategy to win and retain self-funded clients. We break down the difference between a targeted audit and a forensic review, and why employers are choosing "ignorance" despite mounting ERISA fiduciary lawsuits. If you want to differentiate your agency and offer a cost-containment strategy that requires zero employee disruption, this is the episode for you.▶▶ Sign Up For Your Free Discovery Callcompletegameu.com/agaKEY MOMENTS(00:00:35) The Sausage Salesman: Jeff's Unconventional Path to Insurance (00:02:19) The Forbes Article That Changed Everything (00:06:34) What is Claims Payment Integrity? (And Why is it a Blind Spot?) (00:07:33) Forensic Audits: Finding the $69,000 Mammogram Mistake (00:12:22) Shifting from "Identify and Recover" to "Identify and Prevent" (00:14:02) Fiduciary Ignorance: Why Employers Put Their Heads in the Sand (00:21:04) Fraud, Waste, and Abuse: The Most Common Billing Errors (00:25:05) How Brokers Use IntegroIQ as Their Back-Office Data Team (00:30:35) Jeff's Morning Routine: Coffee, Scripture, and High-Altitude HikingCONNECT WITH ANDY NEARY

"Your Customers Aren't as Loyal as You Think They Are - The Fragile Nature of Loyalty"A CMO Confidential Interview with Nicolas Chidiac, Chief Strategy Officer of Razorfish, formerly Chief Strategy Officer of Rokkan and EVP/Head of Planning at Leo Burnett. Nic discusses why brands often overestimate consumer loyalty, why repeat purchase trends can be misleading, and the dramatic increase in speed and velocity of competition. Key discussion topics include: why it has never been easier to try a new product; how influencers have "democratized celebrity endorsement;" why marketers should focus on "removing relative friction;" and how to measure your loyalty deficit. Tune in to hear stories about White Lotus, Chewy, Dubai Chocolate and Pop Tarts. Your customers aren't as loyal as you think. Razorfish Chief Strategy Officer Nic Chidiac joins Mike Linton to unpack groundbreaking research revealing the fragile nature of brand loyalty — and why most marketers are dangerously overconfident about it.65% of marketers believe repeat buyers stay out of emotional connection to their brand. Only 15-17% of consumers agree. That gap is costing companies billions. Nic breaks down the loyalty deficit, why switching has never been easier, and what confident marketers should actually be measuring.Whether you're defending a market-leading brand or building a challenger, this episode will change how you think about loyalty programs, customer retention, and the metrics you're relying on.

Send a textIn this episode, Ed welcomes Michael Pouliot of Carbon Real Estate Investments, a vertically integrated private equity firm operating workforce housing apartments across the Southeast. Pouliot explains Carbon's buy box: 100–300 unit, older vintage (1970s–1990s) properties in strong school districts and stable submarkets, targeting families and raising rents about 20% through substantial CapEx that prioritizes deferred maintenance alongside unit upgrades. They talk about navigating Sunbelt challenges like insurance and taxes by avoiding high-risk areas, staying conservative in underwriting, and emphasizing strong entry pricing. Pouliot shares a bullish view that the next 12–18 months are a strong buying window as the market works through distress, debt maturities, and oversupply absorption, with more constructive sentiment and capital expected around 2027–2028. He outlines Carbon's strategy for 2026: keep buying with fixed-rate, low-leverage debt, hold long-term, and offer investor liquidity via recapitalizations rather than selling assets. The conversation also covers regional scaling for operational efficiency, selective adoption of AI tools (voice/chat agents, SOP knowledge bases, automation) to augment staff, and Pouliot's perspective on purpose, mentorship, lifestyle trade-offs versus Wall Street, and how he defines success. Pouliot closes by directing viewers to investwithcarbon.com for Carbon's weekly newsletter and content.00:00 Cycle Outlook 2027-202800:11 Show Intro and Mission00:52 Welcome and Subscribe01:42 Meet Carbon Real Estate02:44 Insurance and Tax Headwinds05:07 Buy Box and Resident Avatar07:01 Why Stable Markets Win08:34 Distress Deals and Assumable Debt12:29 Oversupply and Absorption Math14:58 Strategy for 202618:41 Vertical Integration and CapEx20:32 Tech and AI in Property Ops14:23 AI Ops Automation23:28 Human Touch Investing24:31 Real Estate Tech Lag25:19 Deal Junkie Purpose26:23 Paranoia Prevents Errors28:26 Wall Street What Ifs33:38 Learning Diet Books35:56 Defining Success Seasons38:19 Life Outside Real Estate41:05 Where To Follow CarbonThis week's book: How Countries Go Broke by Ray DalioElevista - Speed as a Service™Elevista Connect is the first AI-powered lead conversion system built for real estate investors. Heads up: If you find this week's book intriguing and you buy using our link, we receive a small commission that helps support the show. Thank you!

Derek Vickers is the Managing Partner of Vicktory Capital and Fund Manager of VC Equity Fund I, a value-add manufactured housing fund targeting high-growth Sun Belt markets. He oversees investment strategy, capital raising, and execution, with ownership in 50 manufactured housing communities totaling nearly 2,400 lots. Specializing in turning around mismanaged assets through rent-to-own conversions, operational improvements, and professional management, Derek has led multiple refinances that returned 100%+ of investor capital while preserving long-term equity. With a background leading a 100-person corporate sales organization, he now focuses on scaling the firm's vertically integrated platform across Florida, Arizona, Texas, and other key markets.   Here's some of the topics we covered:   From Partying and Rock Bottom to Building a Wealth Machine The Wake-Up Call That Changed Derek's Financial Future The Real Estate Fast Track Most People Miss Investing In Mobile Home Parks vs. Multifamily Apartments Why the Right Property Manager Makes or Breaks a Deal What Really Happens When You Buy a Mobile Home Park How to Win With Brokers and Unlock Off-Market Deals Creative Financing Moves That Supercharge Mobile Home Park Returns   If you'd like to apply to the warrior program and do deals with other rockstars in this business: Text crush to 72345 and we'll be speaking soon. For more about Rod and his real estate investing journey go to www.rodkhleif.com

Is it possible to age without aches & pains? Are some people just cursed with bad genes?  Eileen Kopsaftis is a physical therapist with a Fellowship in Applied Functional Science & a nutrition educator diploma with decades of hands-on work in acute hospital care, outpatient rehab & nursing homes. She is currently serving as a chronic pain & health conditions consultant with Have life-Long Well Being.In this episode, you'll hear how to identify real & realistic goals while aging, how mindset & community matter more than you realize, how to navigate your next doctor's appointment & why your insurance could be limiting your outcomes. If you like this episode, you'll also like episode 251: FOOD ADDICTION: CHARACTER FLAW OR REAL DEPENDENCE? [REMASTERED]  Guest:https://havelifelongwellbeing.com/https://www.facebook.com/EileenKopsaftisOfficial Host:  https://www.meredithforreal.com/  https://www.instagram.com/meredithforreal/ meredith@meredithforreal.comhttps://www.youtube.com/meredithforreal https://www.facebook.com/meredithforrealthecuriousintrovert  Sponsors: https://www.jordanharbinger.com/starterpacks/ https://www.historicpensacola.org/about-us/  02:05 — Common vs. Normal Aging04:18 — Why Modern Life Accelerates Decline05:05 — “I Might As Well Enjoy Life” Thinking05:55 — Lessons From Home Health Visits07:28 — Habits That Predict Independence08:10 — Compassion vs. Personal Responsibility08:55 — What Healthy 90-Year-Olds Actually Do09:40 — “At My Age I Should Rest”10:45 — The Reality of Nursing Home Dependency11:30 — Independence Is Not Luck12:05 — The Social Side of Healthy Aging13:05 — Finding Friends Who Move13:55 — Pickleball and the Comeback of Activity14:50 — Why Mindset Comes First15:45 — Speaking Aging Into Existence17:05 — When Pain Disappears Instantly18:30 — How to Navigate Doctor Visits23:00 — Lie #1: Tests Equal Answers25:45 — When Shoulder Pain Starts at the Ankle26:30 — Whole-Body Problem Solving27:05 — Why Pain Treatment Often Fails27:45 — Finding the Right Clinician30:20 — Insurance vs. Cash Pay Care32:40 — Why People Think PT “Doesn't Work”33:20 — Lie #2: Stop Moving to Stop Pain34:45 — Shrinking Movement Shrinks Life35:30 — Bone-on-Bone Pain Explained37:50 — The Three Biggest Pain Culprits39:10 — Sitting, Weak Glutes, and Back Pain39:55 — Why Ankles Cause Knee Problems41:25 — Lie #3: You Need a Stair-Free Home42:50 — The Hidden Danger of “Aging in Place” Homes43:30 — Choosing Friends Who Support Vitality44:10 — Resources, Courses, and Online CommunityRequest to join my private Facebook Group, MFR Curious Insiders https://www.facebook.com/share/g/1BAt3bpwJC/

In episode 248 of America Adapts, host Doug Parsons is joined by Professor Mark Nevitt of Emory University School of Law to unpack the repeal of the Clean Air Act's Endangerment Finding and what it means for climate governance in the United States. Long considered the legal backbone of federal climate regulation, its rescission raises fundamental questions about agency authority, the role of the courts, and the durability of federal climate policy. Mark explains the legal theory behind the repeal, how it intersects with Supreme Court precedent, and what likely comes next in federal court. The conversation also explores the practical implications of regulatory instability — from increased climate litigation to the shifting balance between federal, state, and local responsibility. For listeners working in adaptation, public policy, infrastructure, law, or risk management, this episode offers a clear look at how legal shifts at the federal level can reshape the broader climate landscape — and why adaptation efforts must continue regardless of political volatility. Transcript for this episode here.  Key Themes Covered in This Episode What the Endangerment Finding actually did under the Clean Air Act Why Massachusetts v. EPA mattered The legal basis for the repeal How the repeal affects federal climate regulation The role of the Supreme Court and administrative law What happens next in federal court More emissions and rising adaptation costs States and cities filling the federal vacuum The growing role of climate litigation Adaptation continuing — but in a more fragmented system Previous appearances by Mark Nevitt on America Adapts Destroy, Rebuild, Repeat: How to Break the Climate Disaster Cycle with Mark Nevitt Climate Change and the Legal System: Why the U.S. Constitution Needs to Adapt with Law Professor Mark Nevitt Climate Adaptation Predictions for 2025: What the Experts Say For Educators & Students The structure and limits of federal agency authority The interaction between executive action and judicial review How Supreme Court doctrine reshapes environmental governance Federalism and the division of climate authority between states and Washington Legal uncertainty and its impact on infrastructure and long-term planning Climate governance in periods of institutional instability The evolving role of courts in climate policy disputes Risk management when regulatory frameworks shift abruptly Professors are welcome to assign this episode or excerpts in syllabi. Who Should Listen to This Episode Climate adaptation and resilience professionals navigating shifting federal policy State and local government officials responsible for long-term planning Urban and regional planners integrating climate risk into infrastructure decisions Insurance, reinsurance, and financial sector professionals assessing regulatory volatility Corporate risk, legal, and strategy teams tracking climate governance shifts Environmental law and public policy scholars following administrative law developments Funders and foundations evaluating the durability of climate investments Climate communicators explaining governance instability to broader audiences   ClimateTech Connect Conference Mentioned in the Episode! ClimateTech Connect Registration Use code: AAVIP for 25% discount off ticket prices   Support for America Adapts helps make episodes like this possible, including more international conversations on how adaptation is unfolding globally. All donations are now tax deductible! Check out the America Adapts Media Kit here! Subscribe to the America Adapts newsletter here. Listen to America Adapts on your favorite app here!   Facebook, Linkedin and Bluesky: https://www.facebook.com/americaadapts/ https://bsky.app/profile/americaadapts.bsky.social https://www.linkedin.com/in/doug-parsons-america-adapts/ Doug Parsons and Speaking Opportunities: If you are interested in having Doug speak at corporate and conference events, sharing his unique, expert perspective on adaptation in an entertaining and informative way, Now on Spotify! List of Previous Guests on America Adapts Follow/listen to podcast on Apple Podcasts. The 10 Best Sustainability Podcasts for Environmental Business Leadershttps://us.anteagroup.com/news-events/blog/10-best-sustainability-podcasts-environmental-business-leaders For more information on this podcast, visit the website at http://www.americaadapts.org and don't forget to subscribe to this podcast on Apple Podcasts.   Podcast Music produce by Richard Haitz Productions Write a review on Apple Podcasts ! America Adapts on Facebook!   Join the America Adapts Facebook Community Group. Check us out, we're also on YouTube! Subscribe to America Adapts on Apple Podcasts Doug can be contacted at americaadapts @ g mail . com