Podcasts about Insurance

Dr. Nikki Maphis didn't just lose a grant. She lost a lifeline. An early-career Alzheimer's researcher driven by her grandmother's diagnosis, Nikki poured years into her work—only to watch it vanish when the NIH's MOSAIC program got axed overnight. Her application wasn't rejected. It was deleted. No feedback. No score. Just gone.In this episode, Oliver Bogler pulls back the curtain on what happens when politics and science collide and promising scientists get crushed in the crossfire. Nikki shares how she's fighting to stay in the field, teaching the next generation, and rewriting her grant for a world where even the word “diversity” can get you blacklisted. The conversation is raw, human, and maddening—a reminder that the real “war on science” doesn't happen in labs. It happens in inboxes.RELATED LINKS:• Dr. Nikki Maphis LinkedIn page• Dr. Nikki Maphis' page at the University of New Mexico• Vanguard News Group coverage• Nature article• PNAS: Contribution of NIH funding to new drug approvals 2010–2016FEEDBACK:Like this episode? Rate and review Out of Patients on your favorite podcast platform. For guest suggestions or sponsorship inquiries, visit outofpatients.com.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

#250: Chris dives into listener questions, covering open enrollment, investing, buying gold, life and auto insurance, RSUs, practical ways to leverage AI tools and more. Link to Full Show Notes: https://chrishutchins.com/open-enrollment-AMA-2025 Partner Deals Fabric: Affordable term life insurance for you and your family Superhuman: Free month of the fastest and best email with code ALLTHEHACKS Gusto: Free 3-month trial of the #1 payroll software DeleteMe: 20% off removing your personal info from the web Mercury: Help your business grow with simplified finances For all the deals, discounts and promo codes from our partners, go to: chrishutchins.com/deals Resources Mentioned PEOs: TriNet | Justworks Insurance Broker: Rich Sterling Productivity/AI Tools Notion NotebookLM Replit Cursor v0 Figma Perplexity Claude Mesa Homeowners Card (50k bonus with code CHRIS50) $1,200 U.S. Bank Bonus ATH Podcast Newsletter Ep #34: Insider Tricks to Healthcare, Prescriptions and Medical Bills with Marshall Allen Ep 104: Optimizing Your Insurance Policies Ep #140: Navigating Open Enrollment Ep #168: Building an Investment Portfolio to Grow and Protect Your Wealth Ep #248: How to Stop Over-Optimizing and Focus on What Matters with Tim Ferriss Submit questions for our next AMA here Leave a review: Apple Podcasts | Spotify Email for questions, hacks, deals, and feedback: podcast@chrishutchins.com Full Show Notes (00:00) Introduction (00:30) Quick Episode Overview (01:22) How to Select Your Insurance Plan (05:19) Saving with a High Deductible Health Plan (14:19) Tips for Specific Drugs and Providers (15:27) Dental and Vision Plans (17:17) Benefits of FSAs (19:10) Getting Health Insurance Outside of an Employer (21:08) Getting Insurance for Your Business (23:20) Insurance via Medical Research Companies and Affinity Groups (24:52) Direct Primary Care (25:48) Reimbursing Medical Expenses Charged on a Credit Card (30:45) Diversification in an Incredibly High Stock Market (36:20) Investing in Precious Metals: Gold & Silver (40:55) Strategy for Handling RSU Compensation (43:35) Variable Universal Life Policy (48:05) The Rise in Auto Insurance Premiums Following an Accident (55:22) Buying A Used vs. New Car (58:06) Chris's Favorite Work Tools Including AI (01:02:07) Is AI an Actual Threat to Our Jobs? (01:04:26) Chris's Pre and Post W2 Job Experience (01:06:50) Find the Best Deals on the ATH Newsletter (01:10:53) The Next Gift Card Sale Connect with Chris Newsletter | Membership | X | Instagram | LinkedIn Editor's Note: The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post. Learn more about your ad choices. Visit megaphone.fm/adchoices

Jamie Daggett started his career as a mechanical engineer working for cleantech startups in Silicon Valley. But after five startups and three buyouts, Daggett saw the same story repeat itself: good technologies that worked in the lab often died before reaching commercial scale.  And often they didn't fail because the science was wrong; they failed because investors couldn't trust that the performance would hold up over time. That realization eventually led him to an unexpected place: insurance.  Today, Daggett is the energy storage and fuel cell lead at Ariel Green, a Lloyd's of London syndicate that provides a wide range of insurance for clean-energy projects.  “Insurance is another tool that we can use to help grow the clean-energy market,” says Daggett. “I do feel like it plays an unsung role behind the scenes.” In this episode, produced in collaboration with Ariel Green, Daggett talks with Stephen Lacey about how insurance is helping the energy storage sector mature.  They discuss how the bankruptcy of Powin Energy exposed the fragility of supplier warranties, what the Moss Landing fire revealed about chemistry and safety risk, and how new markets for long-duration and non-lithium storage are testing the boundaries of what can be insured.  Daggett explains how technology performance insurance now allows lenders, developers, and manufacturers to move faster by transferring risk from young suppliers to a creditworthy insurer. This is a partner episode, produced in collaboration with Ariel Green. Ariel Green helps clients reduce uncertainty by providing investment-grade insurance for clean-energy projects — protecting the technologies that protect the environment. To learn more, visit arielgreen.com.

This week, the Engage podcast hits the road to bring you our newest format, Ask ALPA! We visited crew rooms and terminals to find out what you, the pilots, want to know from ALPA! On this episode, Communication Chair F/O Kevin Brady rounded up experts from the Scheduling, Negotiating,  Retirement and Insurance, and Pilot Family Matters committees to get the answers and bring them to our listeners.As a reminder, the Contract 2026 survey is open until October 19 at 11:59 pm ET. Your feedback is vital to driving the direction of our negotiations. Complete your survey today!

In this episode of Insurance Shoptalk, explore the world of human resources (and more!) with host Eric Stein and special guest host Ryan Floyd. Eric and Ryan talk with David Ainsworth and David Bell from Zynergia, a trusted HR partner that offers a variety of services, including payroll, benefit management, risk management, and more. They discuss Zynergia's the coverage, features, and benefits of their unique programs, especially their PEO and Workers' Compensation offerings. To learn more about Zynergia and their services, please find them online at https://zynergiahr.com/ About Insurance Shoptalk: Join host Eric Stein on a journey through the dynamic world of commercial property and casualty insurance. With over 25 years of experience in the industry, Eric brings a wealth of knowledge and insights to every episode. Insurance Shoptalk is your premier destination for in-depth discussions on the latest industry trends, technology impacts, interviews with leading experts, and much more. If you enjoyed this episode of Insurance Shoptalk, follow us on our social media pages to learn the latest on commercial insurance industry.

In this episode, Dottie Chalmers Cutter interviews Kendra Gobi, founder of Mainely Massage and Holistic Solutions in Windham, Maine. Kendra shares her journey from athlete to therapist, her passion for personalized wellness, and powerful client transformations—from avoiding surgery to healing chronic pain and swelling through massage and lymphatic therapy. This episode is a celebration of healing, growth, and the impact of holistic care.

Today, we're resharing an important episode from our archive! There's a major storm brewing, and Ryan and Bridget are stuck inside. It's the perfect opportunity to answer a question they got from Archer in Los Angeles: What is insurance? Archer's dad is an insurance agent, and Archer wants to know what his dad does all day. Turns out insurance is uh, complicated. From home insurance to health insurance, we're going to figure out what it is and why people use it. Plus, we have a catchy song to help you remember the difference between some confusing insurance jargon.If your family is interested in learning even more about today's question, check out our website. We've got conversation starters and a tip sheet!This episode is sponsored by Greenlight. Sign up for Greenlight today at greenlight.com/million.

Today, we're resharing an important episode from our archive! There's a major storm brewing, and Ryan and Bridget are stuck inside. It's the perfect opportunity to answer a question they got from Archer in Los Angeles: What is insurance? Archer's dad is an insurance agent, and Archer wants to know what his dad does all day. Turns out insurance is uh, complicated. From home insurance to health insurance, we're going to figure out what it is and why people use it. Plus, we have a catchy song to help you remember the difference between some confusing insurance jargon.If your family is interested in learning even more about today's question, check out our website. We've got conversation starters and a tip sheet!This episode is sponsored by Greenlight. Sign up for Greenlight today at greenlight.com/million.

Carla Tardiff has spent 17 years as the CEO of Family Reach, a nonprofit that shouldn't have to exist but absolutely does—because in America, cancer comes with a price tag your insurance doesn't cover.We talk about shame, fear, burnout, Wegmans, Syracuse, celebrity telethons, and the godforsaken reality of choosing between food and treatment. Carla's a lifer in this fight, holding the line between humanity and bureaucracy, between data and decency. She's also sharp as hell, deeply funny, and more purpose-driven than half of Congress on a good day.This episode is about the work no one wants to do, the stuff no one wants to say, and why staying angry might be the only way to stay sane.Come for the laughs. Stay for the rage. And find out why Family Reach is the only adult in the room.RELATED LINKSFamily ReachFinancial Resource CenterCarla on LinkedInMorgridge Foundation ProfileAuthority Magazine InterviewSyracuse University FeatureFEEDBACKLike this episode? Rate and review Out of Patients on your favorite podcast platform. For guest suggestions or sponsorship inquiries, email podcast@matthewzachary.com.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Fan Mail: Got a challenge digitizing your intake? Share it with us, and we'll unpack solutions from our experience at Cytora.In this episode of Making Risk Flow, host Juan de Castro welcomes Graham Blackwell, President of Applied Systems, to explore the transformative power of technology in insurance. They discuss how Applied Systems and Cytora are joining forces to streamline workflows, reduce manual processes, and enhance collaboration between brokers and carriers. From reimagining commercial submissions to maximising “hero work,” Graham shares insights on leveraging AI to create a seamless, efficient, and connected insurance ecosystem. Discover how Applied Systems evolved into a market leader, the role of AI in eliminating mundane tasks, and the strategic vision for integrating agency workflows, carrier connectivity, and automation to accelerate insurance processes and empower professionals across the industry.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

Forty percent of policyholders have no interaction with their insurer each year. Instead of seeing a compliance gap, Zurich's Chief Customer Officer, Conny Kalcher, saw a massive growth opportunity. This week on The Modern Customer podcast, Conny reveals the high-impact strategic framework she applied, leveraging decades of success at The Lego Group to transform Zurich Insurance. Her strategy, "Beyond Protection," is converting the global insurer into a proactive, human-centric partner. Learn how Conny gained C-suite alignment by proving leaders must "speak finance," linking CX outcomes directly to measurable KPIs on the balance sheet. Tune in now! Blake Morgan is a customer experience futurist, keynote speaker, and author of three books on customer experience. Her new book is called The 8 Laws of Customer-Focused Leadership: The New Rules for Building A Business Around Today's Customer. Follow Blake Morgan on LinkedIn For regular updates on customer experience, sign up for her weekly newsletter here. 

Welcome to this episode of The Efficient Advisor, where Libby Greiwe sits down with Dr. Joshua Wilson, PhD, CMT, to explore the power of behavioral finance before a client even becomes a client. While many advisors think about behavioral finance as something that happens after onboarding, Joshua takes us deeper—into the psychology, neuromarketing, and “pre-suasion” that sets the stage for meaningful connections from the very first impression.

In this episode of The Psychedelic Podcast, Paul F. Austin welcomes Kevin Cannella, co-founder and executive director of Thank You Life, a nonprofit removing financial barriers to psychedelic therapy. Kevin shares his path from early mystical experiences and time at a Peruvian retreat center to becoming a licensed professional counselor and MAPS-trained therapist, then building a pay-it-forward fund that partners with clinics nationwide. Find full show notes and links here: https://thethirdwave.co/podcast/episode-325/?ref=278  Kevin explains how Thank You Life works with 120+ ketamine clinics, why group programs matter for cost and connection, and what's realistic about insurance coverage today. He also explores integration support, community pods, and how state partnerships could expand access for veterans, first responders, and more. Kevin Cannella is the co-founder and executive director of Thank You Life, a 501(c)(3) psychedelic therapy access fund. A licensed professional counselor and MAPS-trained psychedelic therapist, Kevin founded the organization with Dr. Dan Engle to eliminate the financial barriers that prevent many from accessing psychedelic healing. Thank You Life partners with over 120 ketamine clinics in 35 states, offering financial assistance and group support programs to individuals in need. Rooted in his own transformative journey with meditation, intensive retreat work, and psychotherapy, Kevin is dedicated to advancing health equity, reciprocity, and compassionate care in the psychedelic field. Highlights: Service-driven path into psychedelic care Founding Thank You Life as a pay-it-forward fund Partnering with 120+ ketamine clinics nationwide Group ketamine care: cost and community benefits Insurance realities: Spravato vs. generic ketamine Integration support through clinics and community pods Scaling access via philanthropy and state partnerships Episode Sponsors: Golden Rule Mushrooms - Get a lifetime discount of 10% with code THIRDWAVE at checkout The Practitioner Certification Program by Third Wave's Psychedelic Coaching Institute.

In this episode, Cory unpacks the truth behind 529 college savings plans, their benefits, drawbacks, and what families should consider before committing their money. While 529s promise tax-free growth for education, Cory explains how they can also limit flexibility, impact financial aid, and tie up funds that could serve broader family goals. Using real-world comparisons, he explores alternative strategies, from taxable brokerage accounts and student loans to securities-backed lines of credit, and how each affects long-term financial outcomes.  Full spreadsheet demo: https://youtu.be/wCXOaJx0lD0 The episode also highlights a creative use of the new 529-to-Roth IRA conversion rule, turning leftover education savings into a lasting wealth-building tool. Cory's takeaway: 529s aren't good or bad, just situational. The real aim isn't to buy college, but to buy choice and opportunity for your child's future. -- Timestamps: 00:00 – Introduction: The 529 plan debate 01:05 – How 529s work and their tax appeal 02:40 – Real-life model: comparing college funding paths 04:30 – Student loans vs 529 performance 06:00 – The value of flexibility and liquidity 08:05 – New 529-to-Roth conversion strategy 10:30 – Opportunity funds and financial independence 12:50 – When 529s make sense (and when they don't) 14:30 – Closing thoughts: funding choice, not just college   -- This Material is Intended for General Public Use. By providing this material, we are not undertaking to provide investment advice for any specific individual or situation or to otherwise act in a fiduciary capacity. Please contact one of our financial professionals for guidance and information specific to your individual situation. Sound Financial LLC dba Sound Financial Group is a registered investment adviser. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and, unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance. Insurance products and services are offered and sold through Sound Financial LLC dba Sound Financial Group and individually licensed and appointed agents in all appropriate jurisdictions. This podcast is meant for general informational purposes and is not to be construed as tax, legal, or investment advice. You should consult a financial professional regarding your individual situation. Guest speakers are not affiliated with Sound Financial LLC dba Sound Financial Group unless otherwise stated, and their opinions are their own. Opinions, estimates, forecasts, and statements of financial market trends are based on current market conditions and are subject to change without notice. Past performance is not a guarantee of future results.

In this special “Behind the Numbers” edition, Cory takes you deeper into the 529 plan conversation with a full spreadsheet walkthrough. He breaks down every scenario from Part 1: Comparing 529 plans, brokerage accounts, student loan strategies, and new Roth IRA conversion rules, using real S&P return data and clear assumptions. Cory demonstrates how small differences in tax treatment, timing, or risk allocation can completely change long-term results, and he highlights the surprising cases where a 529 wins, and where it doesn't. You'll see the real math behind college savings, including scenarios for state tax deductions, financial turbulence, and the powerful “collegium Roth” approach. Whether you're a parent, planner, or investor, this episode turns abstract strategy into numbers you can actually understand. Check out Part 1: https://youtu.be/RQLGY1OE1vs   -- Timestamps: 00:40 – Rate of Return (ROR) Assumptions 01:48 – Scenario 1: Brokerage Account ($100K total over 18 years, pay cash for school) 04:25 – Scenario 2: 529 Plan ($100K total over 18 years) 07:37 – Scenario 3: Brokerage Account + Student Loans (use loans first, pay off later) 12:54 – Scenario 4: 529 with State Tax Deduction (South Carolina Example)   -- This Material is Intended for General Public Use. By providing this material, we are not undertaking to provide investment advice for any specific individual or situation or to otherwise act in a fiduciary capacity. Please contact one of our financial professionals for guidance and information specific to your individual situation. Sound Financial LLC dba Sound Financial Group is a registered investment adviser. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and, unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance. Insurance products and services are offered and sold through Sound Financial LLC dba Sound Financial Group and individually licensed and appointed agents in all appropriate jurisdictions. This podcast is meant for general informational purposes and is not to be construed as tax, legal, or investment advice. You should consult a financial professional regarding your individual situation. Guest speakers are not affiliated with Sound Financial LLC dba Sound Financial Group unless otherwise stated, and their opinions are their own. Opinions, estimates, forecasts, and statements of financial market trends are based on current market conditions and are subject to change without notice. Past performance is not a guarantee of future results.

After you listen:Read more from Chris Kawashima in his article "What is Health Insurance and Do I Need It?"Explore more of Schwab's insights on health care.Health-care costs are a major part of most households' budgets, yet many people struggle to understand what they're actually paying for. This episode breaks down how health insurance coverage works, what common medical expenses really mean for your wallet, and how to make smarter choices during open enrollment. Host Mark Riepe is joined by return guest Chris Kawashima, a director of financial planning at the Schwab Center for Financial Research, to explain key terms like deductibles, copays, and coinsurance. They offer practical strategies for managing costs year-round and also discuss smart ways to use tools like FSAs and HSAs to save for short-term and long-term health-care needs. Financial Decoder is an original podcast from Charles Schwab. For more on the series, visit schwab.com/FinancialDecoder. If you enjoy the show, please leave us a rating or review on Apple Podcasts.Reach out to Mark on X @MarkRiepe with your thoughts on the show.Follow Financial Decoder on Spotify to comment on episodes.Important DisclosuresThis material is intended for general informational and educational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned are not suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decisions.All expressions of opinion are subject to change without notice in reaction to shifting market, economic or political conditions.Investing involves risk, including loss of principal.​Past performance is no guarantee of future results.The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc.1025-UR8D 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, Robin Merttens is joined by Julian Schoemig, CEO and Co-founder of Diesta, to explore why payments and settlements remain one of the insurance industry's biggest unsolved problems, and what it will take to fix them. From his early days selling boxing machines to Munich pubs to underwriting aviation at Munich Re, Julian's career has been shaped by a single truth: business doesn't count until the cash is in the bank. That mindset now underpins Diesta, a company building the financial plumbing to help insurers, brokers and MGAs move money with greater clarity, speed and control. In this conversation, Julian shares: Why insurance payment flows are so complex — and how that creates systemic risk What makes insurance different from other industries that rely on intermediated transactions The scale of the problem: seven times more money moves than is written in premium How Diesta connects policy systems, banks and documents to create a single source of truth Why traditional reconciliation tools fall short for insurance finance teams The real-world impact of unallocated cash, overpayments and delayed settlements What he's learned from building a product in a “boring but broken” space Why now is the right time for vertical, API-first infrastructure in insurance The case for making payments a first-class metric in performance and incentives Sign up to the InsTech newsletter for a fresh view on the world every Wednesday morning. Continuing Professional Development This InsTech Podcast Episode is accredited by the Chartered Insurance Institute (CII). By listening, you can claim up to 0.5 hours towards your CPD scheme. By the end of this podcast, you should be able to meet the following Learning Objectives: Specify the technological and structural reasons why insurance payment flows are more complex than in other industries. Explain how Diesta's payment operations layer integrates with existing systems to streamline cash flow. Define the concept of a financial subledger in the context of intermediated insurance. If your organisation is a member of InsTech and you would like to receive a quarterly summary of the CPD hours you have earned, visit the Episode 376 page of the InsTech website or email cpd@instech.co to let us know you have listened to this podcast. To help us measure the impact of the learning, we would be grateful if you would take a minute to complete a quick feedback survey.

A Funny SundayFirst,  a look at this day in History.Then, Jack Benny, originally broadcast October 12, 1947, 78 years ago, Jack's Sponsor Buys Insurance On Him.  Jack goes to the doctor for a physical exam.Followed by You Bet Your Life starring Groucho Marx, originally broadcast October 12, 1949, 76 years ago,  The Secret Word is Smile. A pair of youngsters going steady are Groucho's first contestants…Then, Father Knows Best starring Robert Young, originally broadcast October 12, 1950, 75 years ago, The Skunk Must Go.  Bud won a skunk, which raises a ruckus in the house.  Jim decides to raffle the skunk.  Followed by Bob Hope, originally broadcast October 12, 1948, 77 years ago.  Bob's written a song and is trying to get it published.  Also a tale of trying to get an American gangster movie produced in England. Finally, Lum and Abner, originally broadcast October 12, 1942, 83 years ago, Cedric to get a Telescope.   Cedric has gone to pick up the professor's telescope. Lum is thinking of naming a planet after himself!Thanks to Richard G for supporting our podcast by using the Buy Me a Coffee function at http://classicradio.streamFind the Family Fallout Shelter Booklet Here: https://www.survivorlibrary.com/library/the_family_fallout_shelter_1959.pdfhttps://wardomatic.blogspot.com/2006/11/fallout-shelter-handbook-1962.html

Hans and Robby are back again this week with a brand new episode! This week, they discuss medicare insurance market disruption.  Don't forget to get your copy of “The Complete Cardinal Guide to Planning for and Living in Retirement” on Amazon or on CardinalGuide.com for free! You can contact Hans and Cardinal by emailing hans@cardinalguide.com or calling 919-535-8261. Learn more at CardinalGuide.com. Find us on YouTube: Cardinal Advisors.

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In this episode of Good Morning Liberty, Nate Thurston tackles an array of ridiculous stories from the past week. Topics include the lighter sentence for a transgender individual who plotted to assassinate Justice Brett Kavanaugh, the ongoing support for violent rhetoric in politics, disputes over healthcare costs, Josh Hawley's anti-capitalist remarks, and rampant anti-Semitic accusations for posts supporting America. In addition, Nate delves into flag burning, the controversy over Amazon's worker compensation, and Rand Paul's opposition to unauthorized military actions. Tune in for a rollercoaster ride through what might be the dumbest week yet! 00:00 Intro 02:11 Dumb Bleep of the Week: Brett Kavanaugh's Would-Be Assassin 10:26 Dumb Bleep of the Week: Jay Jones' Controversial Texts 27:30 Dumb Bleep of the Week: Healthcare and ER Costs 41:06 The Rising Cost of Healthcare 41:58 Government Subsidies and Their Impact 42:41 MTG's Stance on Healthcare and Insurance 43:19 The Insurance Dilemma 45:02 Foreign Aid vs. Domestic Issues 46:19 Rand Paul's Controversial Stance on Military Action 51:30 Josh Hawley's Labor Market Concerns 54:12 Amazon's CEO Pay and Worker Wages 01:09:33 Antisemitism and Political Allegiances 01:14:47 Flag Burning Incident and Legal Implications  

In this episode we have Andrew Engler, the Co-founder and CEO of Kettle who has built groundbreaking strategies that combine insurance, technology, and real-world mitigation to lower premiums, reduce risk, and protect communities.This conversation is bold, refreshing, and packed with insights that could redefine how we approach risk in the modern world.Join the elite ranks of P&C agents. Sign up for Agent Elite today and get exclusive resources to grow your agency!

Host Malcolm Harris brings the energy for another jam-packed Friday edition of What The Truck?! — where freight meets fire conversation. In This Episode: Ian Jefferies, President & CEO of the Association of American Railroads (AAR), gives us the inside track on: Rail safety and first responder training How policy modernization drives innovation Collaboration between truckers and railroads Combatting cargo theft and organized retail crime Kari Gonzalez, President & CEO of MXV Rail, breaks down how cutting-edge research and tech are transforming rail operations nationwide: Real-world innovation testing at the FAST facility Using AI and machine learning to prevent derailments Climate resilience and infrastructure upgrades How she went from intern to CEO — and why Michael Jordan still reigns supreme Plus, Malcolm dives into this week's headlines:  Insurance crackdowns on non-domiciled CDLs  Half a million dollars in stolen Nikes?!  A million-dollar tequila heist — where's Guy Fieri's stash?  Freight capacity vs. demand and what it means for rates  Craig Fuller drops his new book “Moving the World” ⁠Watch on YouTube⁠ ⁠Visit our sponsor⁠ ⁠Subscribe to the WTT newsletter⁠ ⁠Apple Podcasts⁠ ⁠Spotify⁠ ⁠More FreightWaves Podcasts⁠ #WHATTHETRUCK #FreightNews #supplychain Learn more about your ad choices. Visit megaphone.fm/adchoices

Ever feel like your calendar just keeps getting fuller—no matter how many systems you create? In this episode, Libby Greiwe shares the real math behind your schedule and how saying “yes” too often can quietly subtract from your energy, focus, and joy. She walks you through practical ways to protect your time, create boundaries, and make decisions that align with your goals instead of your guilt.In this episode, you'll learn:Why advisors are great at financial math but often fail at “calendar math”How to pause before saying yes and evaluate what you'll need to subtractPractical ways to politely decline opportunities while maintaining relationshipsHow to set boundaries that protect your time, energy, and family commitmentsWhy honoring your limits isn't selfish—it's an act of stewardshipAt the end of the day, your best “yeses” are the ones that align with your priorities. This episode is a refreshing reminder that saying “no” more often can actually be the most empowering step toward a business and life you love.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.

Host Malcolm Harris brings the energy for another jam-packed Friday edition of What The Truck?! — where freight meets fire conversation. In This Episode: Ian Jefferies, President & CEO of the Association of American Railroads (AAR), gives us the inside track on: Rail safety and first responder training How policy modernization drives innovation Collaboration between truckers and railroads Combatting cargo theft and organized retail crime Kari Gonzalez, President & CEO of MXV Rail, breaks down how cutting-edge research and tech are transforming rail operations nationwide: Real-world innovation testing at the FAST facility Using AI and machine learning to prevent derailments Climate resilience and infrastructure upgrades How she went from intern to CEO — and why Michael Jordan still reigns supreme Plus, Malcolm dives into this week's headlines:  Insurance crackdowns on non-domiciled CDLs  Half a million dollars in stolen Nikes?!  A million-dollar tequila heist — where's Guy Fieri's stash?  Freight capacity vs. demand and what it means for rates  Craig Fuller drops his new book “Moving the World” Watch on YouTube Visit our sponsor Subscribe to the WTT newsletter Apple Podcasts Spotify More FreightWaves Podcasts #WHATTHETRUCK #FreightNews #supplychain Learn more about your ad choices. Visit megaphone.fm/adchoices

Working with PPOs is more confusing than ever — and it's by design! In this episode, Kirk Behrendt brings back Shelley DeGroff, founder and CEO of PPO Advisors, to help decode the complexity around upcoming changes and help you be an active player in the game of insurance. To stay up to date with the new changes and become less insurance dependent, listen to Episode 954 of The Best Practices Show!Learn More About Shelley:Send Shelley an email: shelley@ppoadvisors.com Join PPO Advisors on Facebook: https://www.facebook.com/PPOAdvisorsLLCLearn more about PPO Advisors: https://ppoadvisors.comMore Helpful Links for a Better Practice & a Better Life:Subscribe to The Best Practices Show: https://the-best-practices-show.captivate.fm/listenJoin The Best Practices Association: https://www.actdental.com/bpaDownload ACT's BPA app on the Apple App Store: https://apps.apple.com/us/app/best-practices-association/id6738960360Download ACT's BPA app on the Google Play Store: https://play.google.com/store/apps/details?id=com.actdental.join&hl=en_USJoin ACT's To The Top Study Club: https://www.actdental.com/tttGet The Best Practices Magazine for free: https://www.actdental.com/magazinePlease leave us a review on the podcast: https://podcasts.apple.com/us/podcast/the-best-practices-show-with-kirk-behrendt/id1223838218Episode Resources:Watch the video version of Episode 954: https://www.youtube.com/@actdental/videosMain Takeaways:Think of insurance as a game. Be an active player!Understand the contracts you're agreeing to, long term.Insurance confusion is by design. Don't just set it and forget it!Audit your EOBs daily. Do the math and figure out why fees are different.New associates cannot use the owning doctor's NPI-1 — it is insurance fraud.Success is not determined by the number of insurance you do or don't participate in.Snippets:0:00 Introduction.1:53 Shelley's background.2:51 The current state of PPOs.5:22 Why are these changes legal?9:08 Confusion is by design.11:07 Be an active player in the insurance game.12:22 How often should you audit EOBs?14:30 Is any of this negotiable?16:16 Provider-specific credentialing, explained.18:25 How long does it take to credential?20:10 NPI fraud, explained.23:12 Other upcoming changes.27:57 The trend of non-dentists purchasing dental practices.31:12 Lose your dependency on insurance.40:45 About PPO Advisors and how to get in...

In this episode, we sit down with Bonnie Kluthe of First Acre Insurance, to talk about “Farm Insurance That Truly Protects Farms.” We explore common insurance pitfalls, real stories of farmers who've faced losses and haven't been fully protected, and how First Acre is helping farmers protect their livelihood with clarity and confidence. What You'll Learn in This Episode: - First Acre Insurance and their mission  - The types of farms, equipment, and operations First Acre insures - Common challenges farmers face with traditional insurance and why insurance coverage gaps are often discovered too late - How First Acre redesigned farm insurance to reflect modern farming realities and operations - The importance of agreed value insurance and why it's a game-changer - Real-life examples of farmers who benefited from their coverage - Tips on balancing cost, coverage, and deductibles - Emerging risks in farming and what farmers need to be aware of Timestamps: First Acre Insurance Introduction 0:00 – Welcome and episode introduction 1:25 – About Bonnie, her role, and more about First Acre Insurance 3:28 – How is First Acre different & types of farming operations insured 6:28 - Why First Acre Insurance? Farmers - Why First Acre? 9:07 – Common insurance headaches farmers face  15:00 - Traditional insurance & common shortfalls 17:57 - Agreed value insurance. This is game changing 19:17 - How First Acre Insurance is making farm insurance easier for brokers and their farm customers Innovative Insurance Benefits: 23:00 – Benefits of First Acre Insurance vs. traditional companies 24:57 – What agreed value insurance means for farmers. This is important. 29:30 - Peak season coverage (Fluctuating Seasonal Inventories) 32:20 - Digital Site Mapping 33:40 - Wellness and legal benefit on policy 36:30 - Real time machinery evaluations to ensure accurate coverage 39:00 – Handling complex, multi-site farm operations 49:50 - Loss of use 43:50 – Balancing cost, coverage, deductibles 47:20 - Farmers can purchase directly through insurance agencies (visit website for map) 49:30 - Real story of a farmer facing a loss and the impact of First Acre's approach 53:30 – Biggest emerging insurance risks in Canadian farming 55:40 - Land liability and big risks to farms 57:00 - Protecting farmers and their assets 58:08 – How farmers can get more information or move their coverage to First Acre If you're a farmer or farm operator looking to protect your livelihood with insurance that actually reflects how you run your farm, check out First Acre Insurance today. Visit their website for guidance tailored to your farm's needs. Thanks for tuning in, Tracy Resources & Links: Learn more about First Acre Insurance: https://firstacre.ca ============================= ✅ About The Impact Farming Show: Produced by Farm Marketer. Farm Marketer is a Canadian digital media company specializing in publishing agriculture content that matters most to Canadian farmers: news, commodities, agriculture events, agriculture real estate for sale, and much more.  Farm Marketer is also the proud producer of the award-winning agriculture show The Impact Farming Show. This weekly video and podcast show is dedicated to introducing farmers to the people and ideas that will impact their farming operations. =======

Retirement brings freedom, but navigating health insurance can quickly become one of the most confusing parts of the transition. In this episode, Nick and Jake walk through the key types of insurance every retiree should evaluate, from health and long-term care to life, homeowners, and umbrella coverage. Find out how each fits into your retirement plan and which policies make sense depending on your income and assets.   Here's what we discuss in this episode:

WhoStephanie Cox, CEO of the National Ski PatrolRecorded onJune 3, 2025About National Ski PatrolFrom the organization's website:The National Ski Patrol is a federally-chartered 501(c)(3) nonprofit membership association. As the leading authority of on-mountain safety, the NSP is dedicated to serving the outdoor recreation industry by providing education and accreditation to emergency care and safety service providers.With a primary focus on education and training, the organization includes more than 30,000 members [Cox says 32,000 on the pod] serving 650 patrols in the U.S., Canada, Europe and Asia. Our members work on behalf of local ski/snowboard areas and bike parks to improve the overall experience for outdoor recreationalists. Members include ski and bike patrollers, mountain and bike hosts, alumni, associates, and physician partners.The National Ski Patrol operates as a 501(c)(3) nonprofit organization, deriving its primary financial support from membership dues, donations, user fees, and corporate sponsorships. …The national office is located in Lakewood, Colorado, and is staffed with full-time employees that handle administrative duties.Why I interviewed herThe Storm focuses unapologetically on the lift-served variety of skiing. I'll often reinforce that point by teasing Uphill Bro for skiing in the wrong direction or making fun of myself for being a lazy U.S. American happy to ride a machine up the mountain. That, mostly, is a shtick to express my preference for an ordered ski experience over the wild variety. Acres of glades twisting down the mountainside – yes, please. But I'll also take that groomed run-out back to the six-pack. This all-you-can-eat variety of skiing feeds the adrenaline monster, stows energy for the bristling explosive down. The fun part. But my hyperbolic preference for the down is also a sort-of cover-up. Because what really glues me to the trail-labeled and lift-laced bumps is that gigantic and ever-present panic button floating alongside me: ski patrol.Oh I just ran into a tree? Well that's inconvenient because now I can't remember how to speak English or why I have eight empty Miller Lite cans in my backpack. But no need to fret. Within five minutes a corps of uniformed professionals specifically trained in the idiosyncratic art of piloting an injured moron down an ungroomed hillside on an eight-foot-long sled will materialize with crackling radios and stabilize me. It's kind of amazing. Like who thought of this? I guess the same person who came up with lifeguards at the beach. When a squirrel misses its branch and falls 75 feet to the forest floor there is no Squirrel 911. Just a variety of bobcats and coyotes who are about to find an easy dinner. Humans are quite amazing animals in this way, setting up systems both highly effective and borderline invisible that grant us wide margins of error to in most cases survive even catastrophic misjudgments.Depending on your view of human nature, the existence of ski patrol is either the most or least predictable miracle layer of organized commercial ski centers. The cynical may interpret this network of makeshift shacks and their occupants as liability shields, a legal hey-we-tried taskforce vaguely taming the chaos inherent in an impossible and awkward activity. But a more generous interpretation might view ski patrol as the most benevolent component of a ski area, the only piece not intended to generate income, an acknowledgement that any one of us, on even the gentlest slope, could in an instant need someone who knows exactly what to do.I prefer that latter interpretation, but the truth is of course a complex blend of the cynical and the generous viewpoints, interlaced with a million other factors. We are all vaguely aware of this, which doesn't mean we can explain it. I mean, why is ski patrol at every ski area? The question is both simplistic and baffling. Well of course there's ski patrol because there always is. OK. But shouldn't there be some live-free-or-die exception in the rowdy ski world of backwoods trails axe-cut by misanthropic good ole' boys putting two middle fingers to society's nine-to-five, collared-shirt expectations? Like “hey man, look at the waiver, if you break your leg it's not my goddamned problem.” But there they are, anyplace there's a ski lift, wearing that same plus-symbol uniform, enforcing that same yellow-signed skier code, blanketed with that same aura of stoic unsurprise and readiness: ski patrol. Is this omnipresence simply custom and tradition? State or federal law? Insurance requirement? Do patrollers work for the ski area or for some agency or entity? An imposition like restaurant food inspectors? Enforcers like a city's police department? Attendants like stadium ushers? It's hard to say without asking, so I asked.What we talked aboutTouring ski patrols across America; #SkiVirginia; Ski Patrol's philosophical evolution over time; patrol saving my butt in Maine; how NSP ensures that patrollers are prepared to deal with the worst injuries at even the smallest ski areas; evolving and adapting over time; “this organization is by and large run by volunteers”; Avy dogs; why ski patrol is everywhere; organizational history; the relationship between NSP and individual ski areas; who funds NSP; paid versus volunteer patrollers; “one of my big goals for the organization is to make sure that all patrols fall under the NSP shield”; a couple of major ski area patrols that are not part of NSP; the general public “is not going to notice the difference” between a paid and volunteer patroller; where most of the paid patrollers work, and why; the amazing number of years the average volunteer patroller commits to the work; the rising cost of living in mountain towns; why NSP does not involve itself in pay or benefits conversations between patrollers and resorts; staying neutral on unionization drives; what it means to modernize NSP; and applying tech to help police on-mountain collisions.What I got wrong* I referenced a recent snowless winter at Wintergreen, Virginia, and said it was “in 21/22 or 22/23.” It was the winter of 2022-23, which, according to Snow Brains, was the ski area's third snowless winter in a decade, after the 2016-17 and 2018-19 campaigns.* At one point in our conversation, I mentioned “voluntary volunteers.” Which I don't know Man talking is hard I guess.Why now was a good time for this interviewI'd initially reached out to Cox as a follow-up to my podcast conversation with United Mountain Workers union President Max Magill, conducted in the wake of the December-to-January Park City patrol strike that leveled the ski area and sent owner Vail Resorts spiraling:National Ski Patrol, it turns out, has no involvement in or position on unionization. That was a bit of a record scratch but also clarifying: patrol union drives, at least for now, lack a national sponsor that could propel the movement to critical mass. Still, it seemed odd that a national organization's most visible umbrella would stand neutral on the trajectory of a tectonic movement flexing against consolidating, ever-more-distant management and escalating mountain-town affordability crises. So we talked about it a bit anyway.What I've learned, 212 episodes into The Storm, is that organizations and entities are rarely – maybe never – what you expect them or want them to be. In episode 11, recorded in January 2020, just a few months after The Storm's launch, I asked Win Smith, then National Ski Areas Association board chair and onetime owner of Sugarbush, the now very-innocent-seeming question of what the organization was doing to subsidize small or independent ski areas. Smith patiently explained that the NSAA was a trade organization, not a charity (I'm paraphrasing), and that their mission was education, lobbying, and helping to establish uniform operating standards and best practices, not a U.N.-style stabilizing force money-cannoning resources where necessary. I get that now, and have developed, through extensive interaction with the group, a deep appreciation for what the NSAA is and does, even if it is not the thing 2020 Stu thought it was or should be.I guess that's the point of The Storm Skiing Podcast: a dumb guy asking dumb questions like “so when are you going to build a gondola over Interstate 90 to connect Alpental to the rest of Summit at Snoqualmie?” and letting the nice smart people say “well wouldn't that be nice but we have other priorities,” when they mean, “sure let me pull $100 million out of my back pocket to build a more-or-less useless lift that would also spark two decades of environmental litigation and has as much chance of clearing airspace over a federal road as a Russian stealth bomber.” Luckily I don't mind asking dumb questions. They emerge from an impulse to sort reality from fiction, to tell the story of modern lift-served skiing by tapping the brains who understand some little corner of it. Podcast NotesOn recent Ski Patrol leadershipThis could maybe go under the sometimes-included “questions I wish I'd asked” section, but really I don't wish I'd asked about it, as I have inherently little interest in organizational human drama, or the appearance of such. In this case, that maybe-drama is the rapid recent turnover in NSP leadership, aptly described by Jason Blevins last year in The Colorado Sun:The former executive director of the nonprofit World Child Cancer heath organization arrived at the National Ski Patrol two years ago, becoming the fourth director of the organization in only five years. The former bosses reported conflicts with the group's member-elected board of directors. An online petition was calling for an overhaul of the venerable organization that formed in 1938. Staff were bailing after years of turmoil that included board members twice suing their own organization. The group was losing its relevance in a quickly shifting ski resort industry.Cox landed with a plan. She started visiting ski patrols across the country. She shepherded an overhaul of the organization's training programs. She enlisted staff and kept them onboard. She mended fences with her board.Whatever happened before, Cox just hit her third anniversary with the organization, and I was mostly interested in her efforts to modernize the 87-year-old NSP.On skier visit numbers nationally and in ColoradoColorado annually accounts for nearly one in four U.S. skier visits. Here's the breakdown from last winter, according to the Kotke end-of-year survey, the definitive statistical ski industry report published annually by the NSAA:On breaking my leg at Black Mountain of MaineMost of you are tired of hearing about this, but if you're new here, this is my big ski-patrol-saves-my-ass story:On federal chartersAn important piece of the NSP why-does-it-exist puzzle is its status, since 1980, as a federally chartered nonprofit organization. Congress charters such organizations “to carry out some regional or national public purpose,” according to a 2022 report on congress.gov. As with just about anything, a comprehensive list is frustratingly difficult to find (that's why I moonlight as ski area spreadsheet mad scientist), but federally chartered organizations include such vaunted entities as the American Red Cross, the Boy and Girl Scouts of America, and Disabled American Veterans. Here's a probably-not-entirely-accurate list on Wikipedia, and a government list from 1994.On “14 patrols unionizing across the west”Here's a list I compiled of unionized ski area groups back in January. I haven't updated it, so there may be a few additions since:On Snow AngelsThis is a pretty good gut-check conversation for the Speed Gods among us:On Wachusett's anti-theft systemSki theft sucks, and some ski areas are better at fighting it than others. One of the best I'm aware of is Wachusett, Massachusetts, which has installed a comprehensive system of ski-rack-to-parking-lot cameras that has reduced thieves' success rate to near zero. “A lot of times, the police will be waiting for them when they get home with the stolen board,” longtime Wachusett President Jeff Crowley told me on a 2022 visit to the ski area.The Storm explores the world of lift-served skiing all year long. Join us. Get full access to The Storm Skiing Journal and Podcast at www.stormskiing.com/subscribe

In this episode, the Mayor sits down with industry veteran Jeff Kleid  a 30-year insurance innovator, MGA, and carrier leader  to talk about the business of hard-to-place risks, the truth about captives, and how brokers can turn complex accounts into profitable opportunities.From selling insurance on the internet in the ‘90s to building niche programs for cannabis, film, and trucking, Jeff shares real-world lessons about taking chances, trusting data, and transforming the way independent agents think about risk.In this episode, we discuss:The evolution from retail broker to MGA and carrierWhy most agents misunderstand captives (and how to use them right)Building programs for high-risk industries like towing and hempHow to niche down without boxing yourself inThe role of AI in underwriting and program innovationKey Takeaways:Don't fear the hard-to-place — that's where opportunity lives.Captives aren't restrictive; they empower growth and control.Niche success is built on relationships and risk awareness.AI is a tool, not a replacement — human insight still wins the day.Connect with Jeff Kleid:LinkedIn: linkedin.com/in/jeffkleidEmail: jdkleid@eliterisk.comWebsite: eliterisk.comSpecial Thanks to Our Sponsors:

Send us a textThe Bellagio Fountains now have a Yacht! Carbone Riviera is coming this fall. What we know so far. A comedy wine tasting experience is coming to the Lighthouse Artspace at The Shops at Crystals next to Aria. This sounds fun!! It opens in mid-October. More details on "In Pour Taste." Plus, WrestleMania is returning to Las Vegas in April after a record breaking WrestleMania 41. We chat with The Miz! What to expect next year and how he likes living in Las Vegas now. Two-day Combo tickets are on sale. Additionally, WrestleMania 42 Priority Pass Packages are still availableMonsoon damage? Insurance company low-balling you? Call Jonathan Wallner of Galindo Law for a FREE Claim Review at 800-251-1533. If your home was damaged in the California wildfires, Galindo Law may be able to help you get more compensation. Call 800-251-1533 or visit galindolaw.com VegasNearMe App If it's fun to do or see, it's on VegasNearMe. The only app you'll need to navigate Las Vegas. Support the showFollow us on Instagram: @vegas.revealedFollow us on Twitter: @vegasrevealedFollow us on TikTok: @vegas.revealedWebsite: Vegas-Revealed.com

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

Mark has been helping individuals retire with confidence for over two decades. He is a passionate professional with a rich history of providing safe growth and advanced income strategies to help make sure his clients have an income they can't outlive. Working with top estate planning attorneys, Mark assists his clients with life insurance and long-term care planning alternatives to ensure legacy preservation for loved ones.Mark has been in the insurance business since 2000 and has held a Series 65 securities license since 1999. In 2018, Mark founded Wealth Management Strategies Financial Services LLC, an investment advisory and retirement solutions firm. Mark is also an Accredited Investment Fiduciary (AIF), which he earned by demonstrating knowledge of ethical behaviors that follow a fiduciary duty to his clients.Mark attended California State University at Northridge with a major in business management and a minor in marketing.Learn more: https://www.wmsretirementsolutions.com/Investments offered through WMS Financial Services LLC, a California registered investment adviser. AKA “WMSFS”. CRD 291291 8820 E. Foxhollow Drive Anaheim, CA 92808. Insurance products and services are offered through Wealth Management Strategies, an affiliated company. Mark D. Turner, Insurance License #0759815 Wealth Management Strategies, 751 S. Weir Canyon Rd. Ste 157-610 Anaheim, CA 92808 (714) 912-4906. IRS CIRCULAR 230 DISCLOSURE. To ensure compliance with requirements imposed by the IRS, we inform you that any US federal tax advice contained in this communication is not intended or written to be used and cannot be used for the purpose of (a) avoiding penalties under the Internal Revenue Code or (b) promoting, marketing or recommending to another party any transaction or matter addressed herein.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-mark-turner-aif-on-tax-planning

Mark has been helping individuals retire with confidence for over two decades. He is a passionate professional with a rich history of providing safe growth and advanced income strategies to help make sure his clients have an income they can't outlive. Working with top estate planning attorneys, Mark assists his clients with life insurance and long-term care planning alternatives to ensure legacy preservation for loved ones.Mark has been in the insurance business since 2000 and has held a Series 65 securities license since 1999. In 2018, Mark founded Wealth Management Strategies Financial Services LLC, an investment advisory and retirement solutions firm. Mark is also an Accredited Investment Fiduciary (AIF), which he earned by demonstrating knowledge of ethical behaviors that follow a fiduciary duty to his clients.Mark attended California State University at Northridge with a major in business management and a minor in marketing.Learn more: https://www.wmsretirementsolutions.com/Investments offered through WMS Financial Services LLC, a California registered investment adviser. AKA “WMSFS”. CRD 291291 8820 E. Foxhollow Drive Anaheim, CA 92808. Insurance products and services are offered through Wealth Management Strategies, an affiliated company. Mark D. Turner, Insurance License #0759815 Wealth Management Strategies, 751 S. Weir Canyon Rd. Ste 157-610 Anaheim, CA 92808 (714) 912-4906. IRS CIRCULAR 230 DISCLOSURE. To ensure compliance with requirements imposed by the IRS, we inform you that any US federal tax advice contained in this communication is not intended or written to be used and cannot be used for the purpose of (a) avoiding penalties under the Internal Revenue Code or (b) promoting, marketing or recommending to another party any transaction or matter addressed herein.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-mark-turner-aif-on-tax-planning

Manufacturers are operating in a world where insurance markets are anything but stable, and the stakes have never been higher. In this episode, Risk Management Consultant Katie Hensley joins host Leisa Fox to demystify the shifting Property & Casualty landscape. From the shrinking property market to nuclear liability verdicts, Katie explains how manufacturers can adapt, update valuations, manage open recommendations, and strengthen communication to protect themselves against emerging risks. The conversation ranges from property, business interruption, and E&O, to workers' compensation, fleet, cyber, and management liability. Katie emphasizes proactive risk management, smarter use of data, and a team-based approach to claims and compliance. Whether you're a business owner, risk manager, or operations leader, you'll leave this episode with actionable insights to help your company weather today's insurance challenges while positioning for tomorrow's opportunities. Find this show on your favorite app: https://iowapodcast.com/katie-hensley   

Austin Tucker with Specialized Crop Insurance and Matt Makens of Makens Weather, join TSCRA Talk host, Kristen Brown, to discuss the importance of strategy in utilizing pasture, rangeland and forage insurance. Tucker shares information about PRF including location, time periods, productivity factors, coverage levels and common misconceptions. Makens comments on factors involved with long-range weather outlooks and a big-picture look at 2026.  A special thank you to our episode sponsor, Specialized Crop Insurance.  Learn more at:  prfrainfall.com makensweather.com rma.usda.gov  

In this episode of Disruption/Interruption, host KJ sits down with Jim Foote, CEO and founder of First Ascent Biomedical. Jim shares his personal journey from technology executive to cancer care innovator, after his son’s diagnosis changed his life. Discover how he’s disrupting the status quo in oncology with AI-driven, personalized medicine that’s giving new hope to patients and families. Key Takeaways: The Problem with Standard Cancer Care [3:53]The standard of care treats patients as if they are the same, but everyone is unique. This approach works two-thirds of the time, but leaves one-third of patients with few options. Functional Precision Medicine [13:04]Jim’s company tests up to 152 FDA-approved drugs on a patient’s biopsy to find the most effective treatment, providing doctors with data-driven options tailored to each individual. AI and Technology are Transforming Oncology [28:05]Advances in AI, robotics, and cloud computing have converged, making personalized cancer treatment faster, more affordable, and more effective than ever before. Impact and Future Vision [26:51]Jim’s goal is for every cancer patient to receive individualized treatment from the moment of diagnosis, improving outcomes and reducing unnecessary side effects. Quote of the Show (14:40):“I literally have gone from trying and hoping to testing and choosing.” — Jim Foote Join our Anti-PR newsletter where we’re keeping a watchful and clever eye on PR trends, PR fails, and interesting news in tech so you don't have to. You're welcome. Want PR that actually matters? Get 30 minutes of expert advice in a fast-paced, zero-nonsense session from Karla Jo Helms, a veteran Crisis PR and Anti-PR Strategist who knows how to tell your story in the best possible light and get the exposure you need to disrupt your industry. Click here to book your call: https://info.jotopr.com/free-anti-pr-eval Ways to connect with Jim Foote: LinkedIn: http://www.linkedin.com/in/jim-foote Company Website: https://firstascentbiomedical.com/ How to get more Disruption/Interruption: Amazon Music - https://music.amazon.com/podcasts/eccda84d-4d5b-4c52-ba54-7fd8af3cbe87/disruption-interruption Apple Podcast - https://podcasts.apple.com/us/podcast/disruption-interruption/id1581985755 Spotify - https://open.spotify.com/show/6yGSwcSp8J354awJkCmJlDSee omnystudio.com/listener for privacy information.

Is the new OPM Online Retirement Application (ORA) speeding up federal retirement or causing more delays? In this video, CD Financial explains the digital process, timelines, hidden pitfalls, and speedy tips for federal employees (FERS & CSRS) preparing to retire. Learn how to optimize your paperwork, avoid late annuity payments, and get the answers to crucial OPM system changes for 2025.

On this episode of the Scouting For Growth podcast, Sabine VdL talks to Bobbie Shrivastav, co-founder and CEO of Solvrays about building AI-driven workflows that aim to eliminate 70% of manual back office work with governance, auditability, and with human-in-the-loop controls directly built in. They also talk about what makes vertical AI for insurance defensible and measurable, compressing sales and implementation cycles without cutting corners on risk, change management, and how to augment teams as talent retires while new talent ramps up. KEY TAKEAWAYS When the work comes into an organisation, not everything is digital. Things are still mailed, the first help we provide is extracting the information from those manual sources and place it with the right person in their case management system. That alone eliminates 5-7 touch points. When an agent sends an email we're able to get a new business application, we're able to extract the information, we understand that this is a new business applications, and we can take that data and integrate it into the new business solution. Before, someone would have checked an email, gone to the new business application and keyed that in so work could move in. We've eliminated that complex new business touch point. 74% of our industry is still tackling legacy. Customers don't care if you're still using mainframes, they shouldn't feel a difference. We're using agentic AI as a connector to legacy systems, we're also doing database to database connectors, and for newer systems we're using APIs. We eliminate a dependency factor and empowered IT to work with new technologies, so they're not dependent on us. But the business and IT partnership with any project, whether it's our solution or another, is the key to success. BEST MOMENTS ‘We want to be a ray of hope for the operations staff for back office.' ‘What makes us superior, from an industry point of view, is that we've innovated in this space for the last 10 years, we understand operations intimately.' ‘Once a signature is signed, our goal is to do one workflow in two weeks, not months or years, weeks.' ‘Where I've seen most anxiety in business and IT is in implementation, it can drain your team. Our goal is: If we can build our orchestration layer the right way you don't have to be so tense.' ABOUT THE GUESTS Bobbie Shrivastav is founder and managing principal of Solvrays. Previously, she was co-founder and CEO of Docsmore, where she introduced an interactive, workflow-driven document management solution to optimize operations. She then co-founded Benekiva, where, as COO, she spearheaded initiatives to improve efficiency and customer engagement in life insurance. She co-hosts the Insurance Sync podcast with Laurel Jordan, where they explore industry trends and innovations. She is co-author of the book series "Momentum: Makers and Builders" with Renu Ann Joseph. LinkedIn ABOUT THE HOST Sabine is a corporate strategist turned entrepreneur. She is the CEO and Managing Partner of Alchemy Crew a venture lab that accelerates the curation, validation, & commercialization of new tech business models. Sabine is renowned within the insurance sector for building some of the most renowned tech startup accelerators around the world working with over 30 corporate insurers, accelerated over 100 startup ventures. Sabine is the co-editor of the bestseller The INSURTECH Book, a top 50 Women in Tech, a FinTech and InsurTech Influencer, an investor & multi-award winner. Twitter LinkedIn Instagram Facebook  TikTok Email Website This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.co.uk/

In this episode of Christian Faith and OCD, Carrie is joined by Joe Feldman, founder of Cover My Mental Health, who shares his family's battle with insurance companies and how that experience led to creating free resources that help others get the care they deserve.Episode Highlights:What “medical necessity” means and how it impacts your insurance coverage for OCD and other mental health careWhy documenting your provider search is crucial when navigating insurance barriersHow to file a formal insurance complaint to get your case taken seriouslyWays to advocate for yourself (or a loved one) when seeking specialized OCD treatmentWhere to find free worksheets, letters, and resources through Cover My Mental HealthConnect with Joe Feldman:www.covermymentalhealth.orgExplore the Christians Learning ICBT training: https://carriebock.com/training/ Carrie's services and courses: carriebock.com/services/ carriebock.com/resources/Follow us on Instagram: www.instagram.com/christianfaithandocd/and like our Facebook page: https://www.facebook.com/christianfaithandocd for the latest updates and sneak peeks.

Topics we will discuss on this episode of Inside Sources: Two small planes crash separately in Northern Utah  Mayor Erin Mendenhall calls state of emergency for flooding  Special Session Recap  Shooting near Ben Lomond High School and Campus Safety   Is Utah saying "bye-bye" to the Bar exam?  James Comey pleads not guilty  National Guard deployment looms in Chicago, Memphis  Remembering President Russell M. Nelson 

As we pass the week mark of the government shutdown, there is no end in sight. Greg and guest host John Dougal spoke to Deseret News' Cami Mondeaux about her view from the ground in Washington. Then, Greg and John spoke to Dr. Mary Tipton about how insurance factors into the shutdown, and what people need to know about their healthcare. Finally, Greg and John look at how the shutdown has affected air travel. 

Our Fixed Income Strategist Vishy Tirupattur explains how changes in the yield curve are affecting markets such as insurance, Treasury yields and mortgage rates.Read more insights from Morgan Stanley.----- Transcript ----- Vishy Tirupattur: Welcome to Thoughts on the Market. I am Vishy Tirupattur, Morgan Stanley's Chief Fixed Income Strategist. Today – How the shape of the yield curve has affected credit and housing markets, and the risk of changes to the curve and its implications. It's Tuesday, October 7th at 1pm in New York. The shape of the yield curve plays a pivotal role in financial markets. It influences everything from credit conditions to housing and mortgage dynamics. And you've been hearing on this show for some time about more Fed rate cuts coming. Our economists expect 25 basis point rate cuts at the next three meetings – that is October, December and January. And then two more in April and July of next year. What does this mean to the shape of the curve? Our high conviction call has been that investors should position for a steeper yield curve. Why does the curve matter? It's not just a macro signal. It's a transmission mechanism that shapes pricing, risk appetite, and sector flows. Take life insurers, for example. A steeper curve has turbocharged demand for fixed annuity products, which in turn drives flows into spread assets like corporate and securitized credit. Insurance demand has become a powerful technical in credit markets. This year's steepening has been led by falling front-end yields. For example, 2-year Treasuries are down about 60 basis points, significantly outpacing the 40 basis point drop in 10-year yields and just 5 basis point drop in 30-year yields. That front-end move reflects shifting rate expectations and offers relief to highly leveraged issuers who rely on short-term funding. But longer-dated yields remain sticky, keeping all-in borrowing costs elevated. That is good for insurers – and the sale of fixed annuity products – but acts as a brake on overall issuance, helping keep credit spreads tight despite macro uncertainty. That said, not all markets benefit. Mortgage rates, which track longer yields more closely than the fed funds rate, have actually risen 25 to 30 basis points since the easing cycle began in September of 2024. That's a headwind for affordability. While a steeper curve may support lending and future housing supply, it's not helping today's buyers. A flatter curve with lower long-end yields would offer more meaningful relief—but that is clearly not our base case. Bottom line: Rate cuts matter, but the shape of the curve may matter more. A steeper curve is a tailwind for credit but a headwind for housing. And a reminder that not all markets move in sync. Thanks for listening. If you enjoy the show, please leave us a review wherever you listen and share Thoughts on the Market with a friend or colleague today.

Jennifer J. Brown is a scientist, a writer, and a mother who never got the luxury of separating those roles. Her memoir When the Baby Is Not OK: Hopes & Genes is a punch to the gut of polite society and a medical system that expects parents to smile through trauma. She wrote it because she had to. Because the people who gave her the diagnosis didn't give her the truth. Because a Harvard-educated geneticist with two daughters born with PKU still couldn't get a straight answer from the very system she trained in.We sat down in the studio to talk about the unbearable loneliness of rare disease parenting, the disconnect between medical knowledge and human connection, and what it means to weaponize science against silence. She talks about bias in the NICU, the failure of healthcare communication, and why “resilience” is a lazy word. Her daughters are grown now. One's a playwright. One's an artist. And Jennifer is still raising hell.This is a conversation about control, trauma, survival, and rewriting the script when the world hands you someone else's lines.Bring tissues. Then bring receipts.RELATED LINKS• When the Baby Is Not OK (Book)• Jennifer's Website• Jennifer on LinkedInFEEDBACKLike this episode? Rate and review Out of Patients on your favorite podcast platform. For guest suggestions or sponsorship inquiries, visit outofpatients.show.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

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

This week, in episode 264, David C. Barnett and Jennifer Kerhin say they're already making plans for next year: adjusting pricing, conducting employee reviews, and setting budgets. In the past, Jennifer has chosen to restrain growth to give her employees and her processes a chance to catch up. But this coming year? She says she's ready to “unleash the hounds.” And for the first time, she's planning to budget for profit first and then force her expenses to fit her margins. Unlike Jennifer, who conducts employee reviews throughout the year, David saves his evaluations for the end of the year. As he looks forward, he's trying to figure out what the economy means for his business. He's seeing more companies in distress, but also more opportunities to help people with severance packages who decide to buy businesses. Plus: David and Jennifer share how they've each been experimenting with ChatGPT of late.

We're keeping the chronic rhinitis conversation going in this week's episode of BackTable ENT. Otolaryngologist Dr. Greg Davis joins Dr. Ashley Agan and Dr. Gopi Shah to break down his approach to posterior nasal nerve (PNN) ablation with the NeuroMark Gen 3, including patient prep, anesthesia, technique, and postoperative care.---This podcast is supported by:Neurent Medical http://neuromark.com/---SYNPOSISBeyond his posterior nasal nerve ablation technique, Dr. Davis shares his experiences with the various generations of the NeuroMark device, and also discusses the insurance and billing side of its use. The conversation also touches on topics like eustachian tube dysfunction, chronic cough, and the future of chronic rhinitis treatment.---TIMESTAMPS00:00 - Introduction03:04 - NeuroMark Device Trials04:15 - Patient Presentation and Diagnosis11:50 - Medical Management and Treatment Options21:44 - Procedure Setup and Anesthesia Protocol30:49 - Understanding RF Devices and Their Usage31:13 - Deploying the Device for Turbinate Treatment31:52 - Tips and Tricks for Difficult Anatomy33:58 - Posterior Nasal Nerve Ablation in the OR34:40 - Addressing Posterior Nasal Drainage and Chronic Cough36:51 - Impedance Control vs. Temperature Control RF38:02 - Choosing the Right Device for Patients40:52 - Managing Post-Procedure Care and Risks53:18 - Insurance and Billing56:13 - Final Thoughts and Future Directions---RESOURCESDr. Greg Davis https://www.gregdavismd.com/ 10th International Otolaryngology Underwater Update Coursehttps://ssf.cloud-cme.com/course/courseoverview?P=0&EID=1254

As financial advisors, we're always evolving—new processes, new services, new team members, and even new ways of engaging with clients. But while your newest clients experience your polished onboarding process, your long-term clients may still be operating under the “old rules.” That's where re-onboarding comes in. In this episode, we dive into how to reintroduce your long-standing clients to your current practice in a way that feels natural, client-centered, and value-driven.What you'll learn in this episode:Why re-onboarding is essential to keeping long-term clients aligned with your evolving practiceHow to introduce re-onboarding without it feeling awkward or forcedPractical strategies for resetting expectations, updating processes, and reinforcing valueWays to tie re-onboarding to housekeeping tasks that strengthen client relationshipsHow re-onboarding can open the door to referrals and reinforce your positioning as an advisorRe-onboarding doesn't need to be complicated—it's a simple but powerful tool for reinforcing your value, realigning client expectations, and making sure everyone experiences the best version of your practice today. Tune in and discover how to use re-onboarding as a lever for growth and stronger client relationships.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.