Podcasts about Insurance

From transforming industries to advocating for sustainability, Leyla Acaroglu is a trailblazer in the world of circular economy and sustainable design. In this episode, Leyla dives into the principles of the circular economy, sharing how businesses can integrate sustainable practices without compromising profitability. She also explores the role of leadership in creating a more responsible and future-focused world, offering actionable insights on how organizations can align their operations with social and environmental values. In this episode, Darius and Leyla will discuss: (00:00) Introduction and Background (02:54) Leyla's TED Talk Experience (05:56) The Journey to Sustainability and Design (09:08) The Role of Education in Sustainability (11:57) The UN School of Disruptive Design (14:58) The Interconnectedness of Design and Life (18:04) The Importance of Composting and Sustainability (20:56) The Current State of Environmental Awareness (23:59) Capitalism and Its Impact on Sustainability (28:46) The Role of Regulation and Accountability (35:58) Innovative Solutions for Sustainability (40:54) The Impact of Climate Change on Insurance (46:53) The Future of Humanity and Nature (51:58) The Power of Individual Action (56:48) Understanding the Circular Economy (01:00:00) Barriers to Greatness and Gender Dynamics Leyla Acaroglu is a globally recognized sustainability expert, sociologist, and award-winning designer, known for her work in circular economy and systems thinking. Named Champion of the Earth by the United Nations and a Changemaker by LinkedIn, Leyla is a mainstage TED speaker who collaborates with global leaders to drive positive change for a sustainable and regenerative future. A serial social entrepreneur, she founded The UnSchool, an innovative knowledge lab for adults, developed the Disruptive Design Method, and serves as CEO of Disrupt Design and Swivel Skills, a platform for corporate sustainability training. Connect with Leyla: Website: https://www.leylaacaroglu.com/ Website: https://www.unschools.co/  LinkedIn: https://au.linkedin.com/in/leylaacaroglu  Connect with Darius: Website: https://therealdarius.com/ Linkedin: https://www.linkedin.com/in/dariusmirshahzadeh/ Instagram: https://www.instagram.com/imthedarius/ YouTube: https://www.youtube.com/@Thegreatnessmachine  Book: The Core Value Equation https://www.amazon.com/Core-Value-Equation-Framework-Limitless/dp/1544506708 Write a review for The Greatness Machine using this link: https://ratethispodcast.com/spreadinggreatness.  Learn more about your ad choices. Visit megaphone.fm/adchoices

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 #BESTSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

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.

Friday - Clark Stinks day! Christa  shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, when your health insurer denies coverage for a treatment, procedure, or medication, don't assume that's the final answer. Clark explains a little-known consumer right that could help you overturn a denial: an external appeal reviewed by an independent third party. While some patients do appeal insurance decisions, very few take the next step when they're denied again. Clark shares why persistence matters, how the appeals process works, and why insurers often reverse decisions when consumers push back. For serious illnesses, these denials aren't just about money—they can be a matter of life and death. Learn how to fight back, when to appeal again, and how an independent review could force your insurer to pay for care it initially refused to cover. All this and more on the June 26, 2026, episode of The Clark Howard Show. Clark Stinks: Segments 1 & 2 Insurance Appeals: Segment 3 Ask Clark: Segment 4 Mentioned on the show: 6 Home Expenses You Have To Budget For (Beyond Your Mortgage) Privacy and security built into your payments 5 Money Tips To Know Before You Travel Abroad 5 Best Places To Buy Pet Medicines - Clark Howard How To Get a Gym Membership for Practically Free - Clark Howard What Is a CD Ladder and When Is It a Good Idea? - Clark Howard Should I Avoid Callable CDs? / CD Ladder Calculator - Clark Howard What Should You Do if Your Insurance Claim Is Denied? This Little-Known Appeal Could Force Your Insurer to Pay. Here's How to File It. How To Buy Term Life Insurance in 7 Easy Steps - Clark Howard  Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices. Visit megaphone.fm/adchoices

Watch the Interview on Youtube for Visuals - https://youtu.be/TS_RTVc3PL8Want to See If Whole Life Insurance Can Improve Your Financial Plan? Schedule Your Clarity Call Here: https://bttr.ly/bw-yt-aa-clarityWant Us To Review Your Permanent Life Insurance Policy? Click Here: https://bttr.ly/yt-policy-reviewWant Free Whole Life Insurance Resources & Education? Go Here: https://bttr.ly/yt-bw-vaultLearn More About BetterWealth: https://betterwealth.comChapters:00:00 - Intro 01:21 - The "Mountain" Analogy: Accumulation vs. Distribution 04:53 - Reversing Engineering Income Over Net Worth 07:25 - The One Economic Power Approach 09:12 - Impact of Sequence of Returns on Retirement Assets 10:02 - S&P 500 Historical Data Case Study (1999-2024) 14:40 - Two Economic Powers: Accumulation and Distribution16:04 - Historical Context: The Shift from Pensions to 401(k)s 18:08 - Integrating Investments and Insurance for Efficiency 23:29 - The Three Functions of Money in Retirement: Income, Liquidity, Legacy 27:09 - The Waterfall Effect: Optimizing for Paycheck First 32:23 - Customizing Retirement Packages Based on Personal Preference 35:37 - The "One-to-One" Ratio Concept and Balancing Powers 38:01 - Volatility Buffers and Mitigation Strategies 41:34 - Analyzing Life Insurance: Whole Life vs. Indexed Universal Life (IUL) 46:55 - The Reality of Taxes and Market Efficiency 52:25 - Conclusion and Future Cash Flow PlanningDISCLAIMER: 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.

About This EpisodeHere's something that almost never gets talked about in personal finance: most people are both overpaying for insurance and dangerously underinsured — at the same time. In this episode, David Chudyk, CFP® breaks down exactly how that happens, which gaps most commonly cost people everything, and the four-step annual insurance audit every wealth-builder should be doing.What You'll LearnWhy insurance gets ignored — and why the industry is designed to let it happenThe four most common places people overpay (including one hiding in plain sight for business owners)The single most underutilized piece of asset protection available — and why it costs less than most people thinkThe three insurance gaps that can end a business, not just hurt itA four-step annual insurance audit you can actually doWhy your financial advisor and your insurance agent are probably never talking to each other — and what that gap costs youEpisode Timestamps0:00 — Cold Open: The two insurance problems most people have simultaneously2:00 — Why insurance gets ignored: the set-it-and-forget-it trap6:00 — Where people overpay: collision on old vehicles, duplicate coverage, whole life misuse12:00 — Where people are underinsured: umbrella policies, life insurance drift, disability18:00 — The business owner's trifecta: key person, cyber liability, E&O23:00 — The annual insurance audit: four steps to close the gaps28:00 — Close and how to connect with DavidKey TakeawaysMost people are carrying policies designed for who they were — not who they are now. Income, assets, and risk profile all change. Insurance usually doesn't keep up.A $1 million umbrella liability policy costs roughly $150–$300/year. It's the most underused, underpriced form of asset protection available to individuals with meaningful net worth.About 20% of Americans with $5M+ in assets carry no umbrella policy — leaving their full net worth exposed in a lawsuit.Business owners face three specific coverage gaps that can end a company: no key person insurance, no cyber liability coverage, and no errors & omissions (E&O) policy.Your ability to earn income is your most valuable financial asset — and most people have almost no protection for it through private disability coverage.The biggest structural problem: your financial advisor and your insurance agent are almost never talking to each other. That gap is where wealth gets destroyed.The Annual Insurance Audit: 4 StepsStep 1: Pull every policy you have — home, auto, life, disability, umbrella, all business lines.Step 2: Match coverage to current reality — net worth, home value, business size, family situation.Step 3: Check for the five gaps — umbrella, disability, life insurance adequacy, business trifecta (key person / cyber / E&O), and outdated or duplicate coverage.Step 4: Make sure your advisor sees the full picture — someone needs to look at insurance and wealth planning together.Connect With DavidFree 20-Minute Vision Call: weeklywealthpodcast.com/visionBusiness Owner Exit Score: weeklywealthpodcast.com/prescoreAll Episodes & Resources: weeklywealthpodcast.com

The cost of shipping insurance in the Strait of Hormuz has surged over the last four months. Even after the US and Iran lifted their mutual blockade last week, insurers and ship operators are wary of safety in the narrow passageway and the stability of any agreement. The protracted riskiness will delay energy market normalization and push up the cost of oil transportation. In this episode, we talk with Michelle Bockmann, Senior Maritime Intelligence Analyst with Windward, about how the shipping insurance market prices war risk and how insurers view the fragile US-Iran peace agreement. Simply Put: Expert perspectives on the trends influencing fixed income, banking, and the macro landscape, hosted by FHN Financial's Macro Strategist, Will Compernolle. Tune in to better understand what's moving the markets and what to keep an eye on in the weeks and months ahead. Listen and subscribe wherever you get your podcasts.

In this week's episode of Insurance Town, I had the privilege of sitting down with my good friend Kelly Smith.Kelly is one of those people who has truly lived the insurance industry from every angle. She grew up in a family agency, spent time at the front desk, worked in personal lines, commercial lines, agency operations, underwriting, carrier sales, and now helps independent agencies grow through her work with FirstChoice.What I loved about this conversation is that Kelly's story is not just about insurance. It is about curiosity, hard work, education, family, leadership, and finding your place in an industry that can open a lot of doors if you are willing to keep learning.We talked about what it was like growing up in an independent agency, hiding under desks, messing with paper files, and learning the business from the inside out. Kelly shared how that agency background gave her a completely different perspective when she moved to the carrier side. She understood the urgency agents feel because she had sat in that seat herself.We also talked about her passion for education. Kelly shared a powerful story about being homeschooled, feeling behind academically when she started college, and how that experience fueled her desire to keep learning. Since then, she has earned multiple designations, completed her CPCU, and recently finished her MBA in insurance. The best insurance professionals don't just master one job. They learn the entire ecosystem. Kelly's career took her from an independent agency to the carrier side and now to helping agencies grow through a network. Each step gave her a new perspective that made her more valuable. Whether it's earning a designation, volunteering with an association, mentoring others, or simply staying curious, investing in your education compounds over time. Your next opportunity often comes from something you're willing to learn today. One of my favorite parts of the episode was our conversation about the next generation. Kelly's daughter recently attended risk management camp at App State, and we talked about how important it is to show young people that this industry is bigger than home and auto insurance. There are opportunities in sales, underwriting, claims, marketing, leadership, technology, agency ownership, and so much more.Kelly also shared what it means to be recognized as one of Insurance Business America's Rising Stars. Her humility really came through in this part of the conversation. She talked about being grateful for the opportunities she has had, but also wanting her story to encourage others, especially women and young professionals, to see what is possible in this business.00:00 Welcome 02:35 Born Into Insurance  06:00 Agency vs. Carrier: Seeing Both Sides  09:10 Can We Attract the Next Generation?  12:20 From Homeschool to MBA  17:45 Why Education Creates Opportunity  23:45 Leadership Through Service  26:00 Becoming an Insurance Rising Star  30:15 Helping Independent Agencies Grow  31:45 The Truth About Insurance Networks  35:45 Connect with Kelly  36:50 Sponsors & ClosingIf you're looking for one of the most innovative events in the insurance industry, check out Insurance Fest, hosted by Insurance Business America. It's not your typical conference. You'll hear from industry leaders, discover what's next in insurance, and connect with people who are helping shape the future of our industry. It's also where today's guest, Kelly Smith, will be recognized as one of Insurance Business America's Rising Stars, an honor that's incredibly well deserved. After hearing her story, I'm sure you'll understand why she's being recognized as one of the industry's emerging leaders.I'll be there as well, speaking on stage and recording a live episode of Insurance Town with Christina Lucas from Google. If you're planning to attend, come find us. Stop by, say hello, celebrate Kelly's accomplishment, and join us for the live podcast recording. I'd love to meet you in person.To learn more or register, visit Insurance Business America's Insurance Fest. I hope to see you there.SponsorsCanopy Connect1Fort AIViva  (00:00) - Welcome (02:35) - Born Into Insurance (06:00) - Agency vs. Carrier: Seeing Both Sides (09:10) - Can We Attract the Next Generation? (12:20) - From Homeschool to MBA (17:45) - Why Education Creates Opportunity (23:45) - Leadership Through Service (26:00) - Becoming an Insurance Rising Star (30:15) - Helping Independent Agencies Grow (31:45) - The Truth About Insurance Networks (35:45) - Connect with Kelly (36:50) - Sponsors & Closing

Send us Fan MailWhat happens when a customer's heater fails... and the replacement part simply doesn't exist anywhere in the country?This week, Steve and Wayne dive into the realities of modern pool service, where solving problems often has less to do with technical skill and more to do with navigating manufacturers, distributors, supply chains, and customer expectations. From chasing down an elusive electric heater control board to discussing how relationships with manufacturer representatives can make—or break—a difficult service call, the conversation offers an honest look at the behind-the-scenes challenges pool professionals face every day.Later in the episode, Steve is joined by Pat Grignon of the California Pool Association for another Insurance Interlude. Together they tackle an important question that many commercial service companies eventually encounter:Can another company legally operate under your commercial pool license?The discussion explores liability, insurance implications, contractor licensing, and why helping another business could expose your own company to significant legal risk if done improperly.The episode wraps with a candid conversation about distributor relationships, manufacturer voucher programs, pricing pressures, and why customer service—not loyalty programs—ultimately determines where professionals choose to spend their money.Topics Discussed Why sourcing replacement parts has become increasingly difficult  A real-world case involving a commercial 54 kW electric pool heater  Supply chain challenges affecting manufacturers and distributors  Why maintaining relationships with manufacturer representatives matters  When repairing equipment no longer makes financial sense  Commercial pool licensing requirements in California  Can another company legally use your license?  Insurance and liability considerations when lending credentials  Additional insured requirements and subcontractor risk  Distributor pricing, voucher programs, and customer loyalty  How manufacturer-distributor conflicts affect service companies  Why great customer service is still the industry's greatest competitive advantage Key Takeaways Not every equipment failure is a technical problem—sometimes it's a supply chain problem.  Strong relationships with manufacturers and distributors often determine how quickly difficult problems get resolved.  Allowing another company to operate under your license can create significant legal and insurance exposure.  Before entering any licensing or subcontracting arrangement, consult both your insurance professional and legal advisor.  Customers ultimately buy service, responsiveness, and trust—not brand names. Connect With Talking PoolsHave a question or topic you'd like discussed on the show?Email: talkingpools@gmail.comYour question could be featured on an upcoming episode, and if your topic is used, you might even receive a Talking Pools thank-you gift.Talking Pools Podcast Where pool professionals talk to pool professionals—bringing together education, chemistry, business, technology, and the real-world challenges facing today's aquatic industry Support the showThank you so much for listening! You can find us on social media:FacebookInstagramTik TokEmail us: talkingpools@gmail.com

Thursday - We talk Ice Cream Trucks and old candy, casinos & Jai alai, Stuff You Can See with Chloe G from the Orlando Weekly including Oddities & Curiosities, Girl's Rock camp, plus all you can eat pancakes. Attorney Glenn Klausman with the Case of Types of Insurance for Colbert Court. Rauce Thoughts on embarrassing moments. Plus, JCS News, JCS Trivia & You Heard it Here First. See omnystudio.com/listener for privacy information.

Insurance forms that make no sense. Subscriptions that can't be cancelled. A never-ending blizzard of automated notifications. In this update of a 2025 episode, Stephen Dubner discovers where all this sludge comes from — and how much it's costing us.   SOURCES: Benjamin Handel, professor of economics at UC Berkeley. Neale Mahoney, professor of economics at Stanford University. Richard Thaler, professor of economics at The University of Chicago.   RESOURCES: "Selling Subscriptions," by Liran Einav, Ben Klopack, and Neale Mahoney (Stanford University, 2023). "The ‘Enshittification' of TikTok," by Cory Doctorow (WIRED, 2023). "Dominated Options in Health Insurance Plans," by Chenyuan Liu and Justin Sydnor (American Economic Journal: Economic Policy, 2022). Nudge: The Final Edition, by Richard Thaler and Cass Sunstein (2021). "Frictions or Mental Gaps: What's Behind the Information We (Don't) Use and When Do We Care?" by Benjamin Handel and Joshua Schwartzstein (Journal of Economic Perspectives, 2018). "Adverse Selection and Switching Costs in Health Insurance Markets: When Nudging Hurts," by Benjamin Handel (National Bureau of Economic Research, 2011).   EXTRAS: "Sludge," series by Freakonomics Radio (2025). "People Aren't Dumb. The World Is Hard. (Update)" by Freakonomics Radio (2024). "All You Need is Nudge," by Freakonomics Radio (2021). "How to Fix the Hot Mess of U.S. Healthcare," by Freakonomics Radio (2021). "Should We Really Behave Like Economists Say We Do?" by Freakonomics Radio (2015). Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

The PIMCON Lineup Keeps Growing! Get a preview of the insights, strategies, and stories you'll see this year at the PIMCON stage. Customer acquisition costs keep rising, private equity keeps entering the market, and direct-to-consumer advertising gets more expensive every year. The firms finding new growth opportunities are building systems their competitors can't easily replicate. Anthony Lopez and Ilana Reeser have helped transform Your Insurance Attorney into a 300-person firm with 50 attorneys operating across multiple states. Anthony serves as CEO, leading the firm's technology and operational strategy, while Ilana has built a nationwide referral ecosystem that now generates hundreds of cases each month. In this episode, Anthony and Ilana share how they created a scalable growth engine by combining a structured B2B referral network with proprietary AI technology. They discuss the metrics they use to evaluate profitability, the systems required to manage high-volume referrals, and why strong partner relationships have become a competitive advantage in today's legal market. They also reveal how their custom AI platform is reshaping intake, case management, and operational efficiency across the firm. On this episode, you'll learn: Why B2B referral networks create a more scalable growth channel than relying exclusively on direct-to-consumer marketing. How nationwide referral partnerships generate hundreds of cases per month while strengthening reciprocal relationships. The kept CAC metric that reveals whether a marketing channel is actually profitable. How custom AI technology automates intake, client communication, and case management workflows. Unlock the exact strategies to scale your firm by heading over to pimcon.org and securing your tickets for PIMCON 2026. Like what you hear? Hit Subscribe! We do this every week.  For more resources on how to dominate your market, visit us at Rankings.io. Subscribe to our newsletter and get the freshest news every Monday: newsletter.rankings.io Get Social! Personal Injury Mastermind w/ Chris Dreyer powered by Rankings.io is on Instagram | YouTube | TikTok

In this episode, I break down exactly how I went from running smaller businesses to acquiring a company at scale without giving up control. I share how I built my audience, why I went all in on Somewhere instead of cashing out, and how I structured a nearly $30M deal where investors got paid first but had zero decision-making power. I talk about the pressure of using other people's money, what I look for in massive opportunities, and why global hiring completely changed how I think about building companies. I also give my honest take on AI, where it's overhyped, where it's actually useful, and how I'm preparing for what's coming next. Grow your business:   https://sweatystartup.com/events   Book:   https://www.amazon.com/Sweaty-Startup-Doing-Boring-Things/dp/006338762X     Newsletter:   https://www.nickhuber.com/newsletter     My Companies:   Offshore recruiting – https://somewhere.com   Cost segregation – https://recostseg.com   Self storage – https://boltstorage.com   RE development – http://www.boltbuilders.com   Brokerage – https://nickhuber.com   Paid ads – https://adrhino.com   SEO – https://boldseo.com   Insurance – https://titanrisk.com   Pest control – https://spidexx.com     Sell a business:   http://nickhuber.com/sell     Buy a business:   https://www.nickhuber.com/buy     Invest with me:   http://nickhuber.com/invest     Social Profiles:   X – https://www.x.com/sweatystartup   Instagram – https://www.instagram.com/sweatystartup   TikTok – https://www.tiktok.com/404?fromUrl=/sweatystartup   LinkedIn – https://www.linkedin.com/in/sweatystartup     Podcasts:   The Sweaty Startup & The Nick Huber Show   https://open.spotify.com/show/7L5zQxijU81xq4SbVYNs81     Free PDF – How to analyze a self-storage deal:   https://sweatystartup.ck.page/79046c9b03  

The first time Creighton Waters stood in front of a jury and talked about Alex Murdaugh, he had twelve and a half hours of financial destruction to work with. Stolen money from vulnerable clients. Insurance fraud. A man who lied to everyone who ever trusted him. By the time the jury considered the murder evidence, they already knew exactly what kind of person was sitting at the defense table.The Supreme Court just shut that down. The justices said the financial crimes presentation was excessive and the retrial must be efficient. They specifically singled out testimony that had “zero probative value” and “obviously high potential for unfair prejudice.” The prosecution can still argue financial motive, but the storytelling that made Alex Murdaugh a villain before the murder evidence even started is gone.What's left is a case built on circumstantial evidence. The kennel video. The lie. No weapon, no confession, no DNA. Waters says nothing should have been a surprise to the defense the first time because prosecutors hand over everything in discovery. But the defense now has the advantage of having seen the entire playbook. And the AG is considering the death penalty. Bob Motta on whether the state can still win. Tony Brueski, Robin Dreeke, and Bob Motta.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.#AlexMurdaugh #CreightonWaters #MurdaughRetrial #SouthCarolina #BobMotta #DefenseDiaries #MaggieMurdaugh #AttorneyGeneral #TrueCrime #HiddenKillers

In this Meaningful Money Q&A episode, Pete Matthew and Roger Weeks answer six listener questions on UK personal finance - from gifting money to children using the 'normal expenditure out of income' rules to whether ISA withdrawals can support one-off big spends. They also cover pension consolidation and FSCS protection, investing while living abroad, how DB pension accrual affects SIPP annual allowance, and how to bridge the gap to State Pension without over-relying on AVCs. Finally, they tackle the practical steps to opening a Stocks and Shares ISA - and how to get started with confidence. Practical, jargon-free guidance for UK savers and investors navigating pensions, ISAs, tax and retirement planning. Shownotes: https://meaningfulmoney.tv/QA53  02:35  Question 1 Hi Pete and Roger, I have followed meaningful money for around 6 years now and it has been an invaluable source of sensible advice which I have followed. This has left my wife and I in a very good situation for retirement as you will see below. You deserve an MBE at least!. Love the double act with Roger as well. I am 62 and my wife is 60 years young. Our total pensions will be around 35K a year which is all we need for our basic living cost and general going out etc. We have a house worth £750K with no mortgage and no debts. I have a DC pension around £920K and my wife around £650K and our two boys have just moved out of our house and so we are now retiring and relearning life B.C. (Before Children). I have begun looking into gifting them money out of excess income. I like the idea of giving with warm hands - and strangely so do my boys! Putting our scenario into google gemini, using UFPLS with regular drawdowns and keeping within the current 20% tax band we could each have around 50K income after tax over the next 30 years. Really cannot see us spending more than 40K/year travelling and this will certainly reduce in time as we get older and so will give the increasing excess to our kids. To keep HMRC documentation simple (hmm) we plan to use our joint account to give gifts to the boys but I am guessing that we will need to prove to HMRC that we have equal income to do this? So my wife will take 8.5K less from her DC pension than I from mine. I hope this all makes sense. I presume if our incomes were not balanced we would have to pay out from our individual accounts and document both for HMRC purposes? In addition I have 200K and my wife around £150K in ISAs and savings . I know we can each gift 3000/year from the ISA as well as using excess income from our pension. Again, I asked google gemini about this and apparently I can use the ISA for certain capital payments. Eg a) to buy a new car b) redo bathroom/bedroom c) a large holiday  Not sure what would be the position if we said our largest holiday each year is paid from an ISA and any other holidays are from our pension income and we still gift excess to the kids? - seems a very grey area. I am sure in time HMRC will look closer into this area. So I think it will be sensible to still use the ISA in the next few years and not take everything from the pension and possibly change to funds from accumulation to income as well? One last thought as all this is based on the current tax rates. The IHT rate NRB has not changed since 2009 and would be worth around £530K today and I am presuming there will be increasing pressure to raise this given house price growth and especially after 2027 when pensions are included in the estate for IHT? Best Regards, Bill   09:37  Question 2 Dear Pete and Roger, I can't thank you enough for the excellent free content you put out into the world. I recently got diagnosed with a degenerative condition which will affect me and my family down the line. Your podcast has inspired me to take control of my finances including putting the right protections (insurances) in place and using investing to help navigate a more uncertain future - THANK YOU! The information is accessible and you guys make me chuckle as I go about my day! My question... I am keen to make my life easy when it comes to managing my finances but I have hit a wrinkle in my plan. My preference would be to consolidate my pension into as few pension accounts and underlying funds as possible.  To me the levels of protection available through the FSCS seem too low to be compatible with keeping a pension all with one provider. Am I missing something? How do you think about balancing this risk, without ending up with lots of pension accounts with different providers? Additionally, I have been selecting the same low cost All-World tracker ETF across my family's ISAs and SIPPs, is this inherently risky too and should I aim to use different fund providers (perhaps that aim to achieve the same investment objective). Anyway, I may be being overcautious here or be misunderstanding the level risk but any reassurance would be greatly appreciated. Thank you again Andy   18:24  Question 3 Hi Roger and Pete, I'm 32 and I've been listening the podcast for a few years and the advice (particularly about investing) has helped me immensely. I have a question about investment portfolios when moving abroad. I moved away from the UK 2.5 years ago, at which point I stopped investing into Vanguard and moved to Interactive Brokers. I still have a decent amount invested in Vanguard, but I'm not sure whether it makes sense to consolidate everything into one platform or keep it split over two. I don't have any immediate plans to return to the UK, although I imagine I will eventually. Do you think it makes any difference in how the investments are split, or am I worrying about nothing? Thanks for sharing any of your *thoughts* and perhaps clearing this up for me. Keep up the amazing podcast, Michael (originally from Cornwall!)   21:23 Question 4 Hi Pete and Roger I recently discovered your podcast and am working my way though the back catalogue! I am finding it extremely informative and it is helping me demystify a subject I have found confusing for a long time, so thank you. My question is how do I calculate the amount I can contribute annually to my SIPP whilst also contributing to a DB pension and AVCs (£200/month)? My annual gross salary is £25744. I opened the SIPP to give me flexibility to retire earlier than 67 when I intend to access my DB pensions (as well as my current local government DB pension I have a deferred University DB pension from previous employment), ideally between 60-62, and access the SIPP along with my S&S ISA to bridge the gap. Thanks, Melanie   27:28 Question 5 Hello Pete & Roger, I'm a long time listener and as a result in far better financial shape than I was for many years, thank you. In work I am often akin to the Shawshank Redemption character Andy Dufresne as I find myself offering financial or pension scheme advice to colleagues. This advice ends with recommending your good selves and the knowledge repository that is the Meaningful Money archive and books! I am 56 and just over 4 years from my planned early retirement at 61,  when I will have 36 years contributing into a company DB pension. I plan on taking this in a stepped format (with PCLS) to offer a higher initial payment until my state pension starts 6 years later at 67. To maintain basic rate income tax, I am paying my maximum matched pension contributions plus AVC's through salary sacrifice (until 2029) to keep just under the 40% tax limits. My wife will be solely reliant on her (full) State Pension having not contributed to a personal pension, she will receive this when I am 64, meaning our combined funding danger zone will be around 3 years during which we may need funds to top up our income either from the PCLS pot or ISA savings to this final combined total, "our figure". So my question: You repeatedly talk about retiring with options such as having pensions, ISA's and savings etc. but I am concerned my pension and AVC fund will be totally concentrated with little else. After maximising the pension and AVC contributions it looks likely I will not contribute enough to fund a savings pot that could comfortably cover the 3 year danger zone. Will this pension / AVC concentration matter? Should I continue paying the AVC's to avoid higher rate tax on my income and recovering tax rebate into the AVC pot? To me this makes sense, but would funding a savings pot give us flexibility to fund our pension gap somehow that I am missing, and do I need to target an ISA or other savings pot in my remaining working years. This prospect would feel like not living for today, but retirement is in touching distance so might it be worthwhile? Many thanks & best regards, Tim   34:52  Question 6 To the Bruce Springsteen and Little Steven of the financial world! Hi guys my name is Cam, I'd just like to say you guys are absolutely fantastic at what you do, the knowledge you provide is genuinely incredible and immensely helpful. I think I speak for all your listeners when I say without your podcast there would be a lot of people struggling with personal finance! Keep up the good work Pete and Rog! I am 27 years old, 17 months ago I quit my 9-5 and started my own dog walking business, I have since trained to become a dog trainer too. My business has gone from strength to strength and I'm very proud. However the change from going from a wage structure to a varied income per month has been a tough adjustment especially when saving and wanting to invest and so on. I contribute to my pension each month, I pay into a LISA each month (for a first time home) the only thing I don't do is pay into a stocks and shares ISA. Firstly how do I open one? I have listened to your podcast for well over 2 years now and have listened to the majority of the back catalogue, I feel like I know what to do but it's a genuine fear that's stopping me from opening one. I don't know how to explain it - it's almost like my head is telling me 'don't open one you'll mess it up.' Is it literally as simple as sign up to a provider, open an account, add money in each month? I feel stupid saying I'm fearful of opening one but I genuinely am! The last part of my question is simply is there anything else I should be doing that I'm currently not?  Insurance wise I have income protection and the necessary insurances for my business. Thanks once again you absolute legends! Cam Boring Money ISA Comparison: https://www.boringmoney.co.uk/compare/stocks-and-shares-isas/ 

Artificial intelligence is becoming a foundational capability across the insurance industry, reshaping how underwriting work gets done and how insurers think about data and technology investments. In this … Read More » The post EP. 115: The AI-Native Insurance Industry appeared first on Insurance Journal TV.

This episode of Between the Lines explores how technology is reshaping hiring, examining the growing tension between automated recruiting tools and the need for authentic human connections in … Read More » The post Your Next Career Move Could Be Decided in Seconds appeared first on Insurance Journal TV.

Artificial intelligence is becoming a foundational capability across the insurance industry, reshaping how underwriting work gets done and how insurers think about data and technology investments. In this … Read More » The post EP. 115: The AI-Native Insurance Industry appeared first on Insurance Journal TV.

Laci is joined by writer, comedian, and friend Jenny Yang (Last Man Standing) to discuss the “Warren Buffett” of insurance fraud. Greg Lindberg stole $2 billion from his own companies, then tried to pay a state official $200 million to stay quiet about it. Plus, a baddie climate activist from China allegedly sex-blackmailed Milwaukee Bucks co-owner Wes Edens. Laci asks: Are psychics, valets, and tipping outside of restaurants a scam, a scheme, or the real thing? Stay schemin'! Keep the scams coming and snitch on your friends by emailing us at ScamGoddessPod@gmail.com. Follow on Instagram: Scam Goddess Pod: @scamgoddesspod Laci Mosley: @divalaci Jenny Yang: @jennyyangtv   Research by Kathryn Doyle    SOURCES https://www.charlotteobserver.com/news/local/crime/article315890645.html https://www.wral.com/news/nccapitol/greg-lindberg-sentenced-prison-nc-money-laundering-insurance-political-donor-may-2026/ https://www.insurancebusinessmag.com/us/news/breaking-news/greg-lindberg-sentenced-to-12-years-for-2-billion-insurance-fraud-576831.aspx https://nypost.com/2026/05/27/business/fraudster-billionaire-who-wanted-50-kids-with-blonde-blue-eyed-women-sentenced-to-prison/ https://www.theassemblync.com/news/business/greg-lindberg-bribery-conviction/ https://www.wsj.com/articles/financier-who-amassed-insurance-firms-diverted-2-billion-into-his-private-empire-11551367856?mod=article_inline https://www.foxnews.com/us/feds-say-woman-tried-extort-nba-team-owner-fake-sex-videos-one-night-stand https://nypost.com/2026/05/13/us-news/wesley-edens-blackmail-suspect-bailed-out-by-chinese-foreign-agent/ Subscribe to SiriusXM Podcasts+ to listen to new episodes of Scam Goddess ad-free and a whole week early. Start a free trial now on Apple Podcasts or by visiting siriusxm.com/podcastsplus. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In today's episode Nick talks about Iran's Insurance, Big Balls, Geno Smith's Problems and "Obsession" Pushes Feminist Ideals!! The FULL SHOW is live streaming & FREE-ONLY on Rumble! Join our LIVE CHAT at 6pm ET every Mon-Thu or watch the FULL EPISODE anytime on demand after 7pm ET. Follow my Channel and get notified! https://rumble.com/c/TheNickDiPaoloShow GET TOUR DATES & TICKETS - https://www.nickdip.com/tour NOVEMBER 5TH - The Punchline: ATLANTA, GA NOVEMBER 6TH - Rivers Casino: PHILADELPHIA, PA NOVEMBER 7TH - Soul Joel's: POTTSTOWN, PA MERCH - Grab some mugs, hats, hoodies, shirts, stickers etc… https://shop.nickdip.com/ PERSONAL VIDEO FROM ME – Send someone a personal video from me! Go to https://shoutout.us/nickdipaolo  or www.cameo.com/nickdipaolo SOCIALS/COMEDY- Follow me on Socials or Stream some of my Comedy!  https://nickdipaolo.komi.io/

In 2020, Emily Mendenhall drove from Washington, DC to Okoboji, Iowa, a town of 800 that swells to 200,000 every summer, and walked into a pandemic that looked nothing like the one dominating national headlines. Inside gas stations and bars, masks marked you as an outsider. In one stop, a man told her family they would not be served if they kept theirs on. Her 6 year old daughter cried, confused. Mendenhall, a medical anthropologist at Georgetown University, did what she always does. She started asking questions. Over months, she interviewed neighbors, former classmates, and local officials, including her own brother in law who helped lead the local COVID response. The result became Unmasked, a case study in how community identity, economics, and politics shaped public health decisions in real time. That work led directly into her latest book, Invisible Illness: A History, from Hysteria to Long COVID, where she tracks a much older problem. Patients with chronic illness, especially women, often fail to meet medicine's demand for proof. Without a clear diagnosis, they lose access to care, insurance coverage, and legitimacy. Mendenhall argues that long COVID did not create this failure. It exposed it.This conversation centers on how healthcare systems reward certainty and punish complexity. Long COVID clinics send patients to 17 specialists without resolution. Insurance structures require diagnoses that many conditions cannot provide. Medical training still struggles to integrate trauma, mental health, and chronic disease into a coherent model of care.Mendenhall brings lived experience into the conversation. After COVID, she dealt with months of fatigue and escalating anxiety that altered her baseline health. She does not claim the label of long COVID, but she understands how quickly the system becomes harder to navigate once symptoms stop fitting clean categories. The stakes are not theoretical. In the United States, access to healthcare, disability benefits, and treatment still depends on whether a condition can be measured, coded, and reimbursed. For millions living with invisible illness, the burden of proof becomes the illness itself.RELATED LINKSEmily MendenhallInvisible Illness: A History, from Hysteria to Long COVIDScience PoliticsGeorgetown UniversityFEEDBACKLike 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.

A recent Wall Street Journal article laid out the rising cost of home ownership in a very clear way. From 2019 to 2025, the annual cost of owning a home rose from about $20,600 to about $28,600. That is a 39 percent increase, compared with a 26 percent increase in the consumer price index. The biggest increases were not just mortgage payments. Insurance rose 72 percent. Home maintenance rose 85 percent. Emergency repairs rose 175 percent.The article was written for homeowners. But the same forces apply to investors. A landlord does not get a different price for a roof, a plumber, an HVAC compressor, property insurance, or property taxes simply because the property has tenants.------------**Real Estate Espresso Podcast:** Spotify: [The Real Estate Espresso Podcast](https://open.spotify.com/show/3GvtwRmTq4r3es8cbw8jW0?si=c75ea506a6694ef1)   iTunes: [The Real Estate Espresso Podcast](https://podcasts.apple.com/ca/podcast/the-real-estate-espresso-podcast/id1340482613)   Website: [www.victorjm.com](http://www.victorjm.com)   LinkedIn: [Victor Menasce](http://www.linkedin.com/in/vmenasce)   YouTube: [The Real Estate Espresso Podcast](http://www.youtube.com/@victorjmenasce6734)   Facebook: [www.facebook.com/realestateespresso](http://www.facebook.com/realestateespresso)   Email: [podcast@victorjm.com](mailto:podcast@victorjm.com)  **Y Street Capital:** Website: [www.ystreetcapital.com](http://www.ystreetcapital.com)   Facebook: [www.facebook.com/YStreetCapital](https://www.facebook.com/YStreetCapital)   Instagram: [@ystreetcapital](http://www.instagram.com/ystreetcapital)  

Today we're tackling something that every single SRNA needs to understand before signing their very first employment contract, and that's protecting our livelihood once we graduate. In this episode of Grade 1 View, hosts Mackenzie and Nicholas sit down with Bryan Doyle, ME, RPLU, Acting Vice President of AANA Insurance Services and Lisa Kiska, RPLU+, Supervisor, Underwriting & Customer Service at AANA Insurance Services to break down the essentials of malpractice insurance to better prepare every SRNA for the realities of the workplace. Here's some of what we discuss in this episode:

Justin Smith-Lorenzetti, VP of Investments at Intact Private Capital, shares his journey from leading innovation initiatives within Intact Insurance to helping build a global investment platform managing more than $1.6 billion in assets. Drawing on lessons from investments across insurtech, mobility, AI, and financial services, he explains how Intact approaches startup and LP investing. Justin also offers practical advice for founders and investors, arguing that focus and conviction matter more than ever in today's AI-driven world. In this episode, you'll learn: [02:08] How Justin accidentally became a venture capitalist [06:55] How Intact Private Capital invests from idea to IPO [09:11] The evolution of insurtech over the last decade [11:26] Why Coterie and Shepherd stood out as investments [16:56] What Justin looks for in founders across every stage [20:23] Why founders choose investors—not the other way around [23:15] How Intact makes high-conviction investment decisions [25:17] What Justin looks for as an LP investing in venture funds [29:57] His advice for founders building in the AI era [32:17] What venture capital can do better The nonprofit organization Justin is passionate about: Lorenzetti Foundation About Justin Smith-Lorenzetti Justin Smith-Lorenzetti is VP of Investments at Intact Private Capital, where he oversees venture, growth, and fund investments across insurance, financial services, mobility, and emerging technology. Since helping launch Intact's venture investing activities more than a decade ago, he has backed companies ranging from Turo to leading insurtech startups. Justin is widely recognized as one of Canada's most active investors in the insurance technology ecosystem and serves on the boards of multiple venture-backed companies. About Intact Private Capital Intact Private Capital is the private investment arm of Intact Financial Corporation, one of North America's leading property and casualty insurance companies. The firm manages approximately $1.6 billion across venture capital, growth equity, and fund investment strategies. Leveraging Intact's deep industry expertise and global network, the team invests in companies across insurance, financial services, mobility, AI, and adjacent sectors, supporting founders from the earliest stages through IPO. Subscribe to our podcast and stay tuned for our next episode.

In this episode of Making Risk Flow, Juan de Castro sits down with Kristoffer Lundberg, CEO of Insurtech Insights, to explore how AI is transforming insurance from a story of disruption into one of collaboration. Recorded at InsureTech Insights in New York, the conversation examines what it takes to deploy AI at scale, from defining clear business goals and building the right partnerships to redesigning operating models around automation. Kristoffer shares lessons from real-world AI implementations, including claims transformation, and explains why insurers must “think slow, execute fast” to create lasting value. The episode reveals how ecosystem partnerships, human-centered design, and measurable outcomes will shape the next era of insurance innovation. Kristoffer Lundberg is the CEO of Insurtech Insights, a global insurance technology community connecting insurers, startups, investors, and technology leaders to accelerate innovation across the industry. Since joining Insurtech Insights in 2018, Kristoffer has helped grow the platform into a leading global destination for insurance transformation, hosting major conferences across Europe, the U.S., and Asia. His work focuses on bringing industry stakeholders together to explore emerging technologies, collaboration, and the future of insurance. 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, Inigo20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL | Bronek MasojadaImplementing ESG in the Insurance and Underwriting Space | Simon Tighe, Chaucer, and Paul McCarney, Moody's

The new pay transparency laws were designed to help job applicants and narrow pay disparities. But they've also had an unintended consequence: Employees now have far more information about what other people are making—and that can raise some uncomfortable questions for business owners. How do you decide what a job is worth? How much should you pay compared to the market? How much should employees know about what their co-workers earn? This week, Jay Goltz, Jennifer Kerhin, and Ted Wolf compare notes on compensation. Jennifer explains how her philosophy has evolved from offering below-market pay and maximum flexibility to providing competitive salaries, benefits, and career paths. Jay discusses the challenges of determining what employees are truly worth—and why a bad bonus plan can be worse than no bonus plan at all. Ted makes the case for paying above market—not because he wants superstars, but because he believes well-paid employees become more committed, more flexible, and ultimately, more productive.Along the way, they discuss paying for health insurance, contractors versus employees, hiring mistakes, and the sometimes overlooked reality that while employees crave stability, business owners are the ones taking the financial risks. The result is a candid conversation about one of the hardest questions business owners face: What is the right way to compensate the people who help build your company? Plus: How concerned would you be if your employees found out how much money you, as the owner, are taking out of the business?

As advisors, we spend a lot of time working in the business—but not nearly enough time working on the business. In this episode, Libby pulls back the curtain on the exact quarterly CEO Day framework she recently led for her Systems to Scale alumni community. With Q2 coming to a close, she shares how to create the space for strategic thinking, avoid turning your CEO time into a glorified catch-up day, and walk away with a clear plan for the next 90 days. Whether you're a solo advisor or leading a growing team, this episode will help you become more intentional, proactive, and focused as you head into the next quarter.In this episode, you'll learn:How to structure a quarterly CEO Day that actually leads to action instead of becoming another day spent answering emails and putting out fires.The five key business categories every advisor should review each quarter, including people, finances, processes, client experience, and technology.Why brain dumps and structured reflection exercises help uncover opportunities, bottlenecks, and priorities that are easy to miss during day-to-day operations.A practical framework for identifying your next three quarterly goals and turning them into actionable plans that actually get completed.Libby shares the same process she used in her own advisory firm and now teaches inside her coaching programs. If you've ever wondered what it really means to "work on the business," this episode gives you a step-by-step roadmap for creating the time, clarity, and focus needed to move your firm forward. As you wrap up the quarter, consider blocking time on your calendar for your own CEO Day—you may be surprised by how much progress can come from simply creating the space to think strategically.Join the Systems to Scale Group Coaching Program HERE! Check out The First 100 Days Course: The Advisor's Blueprint for a Remarkable Client Experience HERE!Learn more about T2MWorks 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.

Are we witnessing the early stages of an insurance crisis making its way to Nevada? With wildfire-related home insurance cancellations and denials on the rise across Clark County, even state regulators are having trouble explaining why. Plus, after a months-long workplace dispute between two Las Vegas city workers ended in a fatal shooting, many are wondering how HR let it get this far. Finally, the A's stadium construction is moving along, but Bally's doesn't seem to be holding up their end of the bargain. Host Jesse Merrick digs into it all with local artist and writer Brent Holmes and City Cast Las Vegas Creative Producer Jacob Solis. Learn more about the sponsors of this Monday, June 22nd episode: Neon Museum Southern Nevada Water Authority Want to get in touch? Follow us @CityCastVegas on Instagram, or email us at lasvegas@citycast.fm. You can also call or text us at 702-514-0719. For more Las Vegas news, make sure to sign up for our morning newsletter. Learn more about becoming a City Cast Las Vegas Neighbor at membership.citycast.fm. Looking to advertise on City Cast Las Vegas? Check out our options for podcast and newsletter ads at citycast.fm/advertise.

A $30,000 insurance issue almost turned into a $500,000 hit to a multifamily deal. That experience pushed Guffy Wright to rethink how insurance should work for real estate investors. Instead of treating insurance like a boring expense, he helps operators use it to protect NOI, improve asset value, and avoid costly lender mistakes. In this conversation, Guffy shares how his lender waiver process helps owners negotiate unnecessary insurance requirements out of their loan terms. He also explains why many multifamily operators are overpaying for coverage simply because they use generalist brokers or renew policies at different times throughout the year. You will also hear why property insurance rates are finally starting to soften in 2026 and how larger operators are using landlord liability programs to lower costs and create additional revenue. Key Topics and Takeaways How insurance savings directly affect property value Why lender insurance requirements often create unnecessary costs The lender waiver process explained Why all insurance policies should renew on the same date The risk of working with generalist insurance brokers Why property insurance rates are dropping in 2026 How landlord liability programs can reduce claims costs Guest Information Guffy Wright specializes in insurance strategy for multifamily real estate operators with large portfolios and growth plans. Connect with Guffy Wright on LinkedIn Call to Action Reach out to Guffy Wright on LinkedIn and send him your renewal date so he can contact you at the right time before your next insurance renewal.

10 Commonly Misunderstood Insurance Terms Explained Episode 389 – Sometimes people get confused by all the jargon used in the financial services industry. It's difficult to understand what you're buying—or what you already have—if you don't understand the language being used. Here is a quick listing of ten terms, commonly used in the life insurance industry, that you might not fully understand. More SML Planning Minute Podcast Episodes Transcript of Podcast Episode 389 Hello, this is Bill Rainaldi, with another edition of Security Mutual's SML Planning Minute. In today's episode: we explain 10 commonly misunderstood life insurance terms. Sometimes people get confused by all the jargon used in the financial services industry, and life insurance is no exception. It can be difficult to understand what you're buying—or what you already have—if you don't understand the language being used. Here is a quick listing of 10 terms, commonly used in the life insurance industry, that are helpful to have a basic understanding of: Underwriting. Before making any sort of offer to you, a life insurance company may need to evaluate your health. For example, life insurance companies generally check to see whether you are a tobacco user or not. A nonsmoker generally has a longer life expectancy than a smoker and thus will often qualify for a better rate and reduce the cost. On the other hand, smoker or not, if you're in particularly poor health, the company may not be able to offer you coverage at all. Beneficiary. Life insurance policies will usually list a beneficiary. That is the person—or entity—who receives the life insurance policy's death benefit if the insured dies. Note that any beneficiary designation under a life insurance policy is separate from beneficiary designations in your will. You could leave your entire estate to your children via your will, but if someone else is the beneficiary of your life insurance policy, that person receives the proceeds. The owner of the policy has the right to change the beneficiary (or beneficiaries) as their needs or desires change and it is recommended to review all of your beneficiaries annually or during any change to your planning strategy. Term Life Insurance. Term life insurance is the simplest form of life insurance. You will pay a premium that covers a specific term of years. 10, 20 or 30 years are common terms for one of these policies. If you die during the designated term, your beneficiary will receive the death benefit. It is generally used when you have a temporary need for insurance, such as paying off a mortgage or funding your child's college education if you're no longer there. Permanent Life Insurance. Unlike a term policy, permanent life insurance is designed to provide lifetime coverage. With most policies, as long as you pay your premiums, the policy stays in force for life, and the death benefit is guaranteed by the insurance company. It also usually provides a cash value. An example of permanent insurance is whole life insurance. Cash Value. With many permanent life insurance policies such as a whole life insurance policy, part of your premium pays the cost of the death benefit, and part of it goes into an account inside the policy and grows on a tax-deferred basis. As a policyowner, you have the right to access these funds if you wish via loans or withdrawals. The funds could potentially be used for major expenditures or cash emergencies if needed. Dividends. It's not just your stock portfolio that can pay dividends; your life insurance policy might do so as well. Life insurance dividends are usually associated with mutual life insurance companies such as Security Mutual Life. Dividends are distributed to policyholders from the insurer’s surplus earnings. They are not guaranteed. Grace Period. This is essentially an automatic safety net that exists on every life insurance policy. If you miss a premium payment, you generally have an extra 30 days past the due date before the policy lapses to pay your premium. And, if you die during the grace period, the full death benefit is payable, although there may be a deduction for any missed premium.[1] Paid-Up Additions. Paid-up additions are like miniature life insurance policies within a whole life insurance policy. Each paid-up addition adds a little bit of extra paid-up death benefit and guaranteed cash value to your policy without ongoing premium. Paid-up additions are often created through a whole life policy rider, although if you have a dividend-paying policy, you might be able to choose to take your dividends as paid-up additions. Since paid-up additions are fully paid up portions of death benefit, they can be surrendered for needed cash by the policyowner, or to pay the policy's premiums, if needed. Doing so will reduce the guaranteed cash value and death benefit.  Accelerated Death Benefit. This allows you to receive a portion of the death benefit while you are still living and is often made available as a rider assigned to specific circumstances such as chronic, critical or terminal illness. It is designed to help provide access to cash for medical bills, nursing care, or other costs associated with the qualifying event. If the advance payout from the life insurance policy is due to terminal illness, it is usually exempt from income taxes.[2],[3] In many circumstances, an accelerated death benefit rider is a simple add-on to a life insurance policy with no separate charge. And finally… Chronic Illness Rider. A chronic illness rider is a type of accelerated death benefit rider that gives you access to part of your death benefit while you are still alive. To take advantage of a chronic illness rider, you need to be certified by a doctor as someone who is ill and not expected to recover. In many cases you will be eligible if you are unable to perform at least two of the six “Activities of Daily Living,” or ADLs, without assistance. These include things like bathing, getting dressed, eating, etc.[4] All these terms can be very confusing. Some may be applicable to you; some may not. The good news is that, if you're contemplating a new life insurance policy, you don't need to go it alone. Your Security Mutual Life insurance agent can help. Your Security Mutual Life insurance agent can augment or help assemble your planning team. They'll coordinate with your attorney and tax professional to review your situation and to determine the insurance plan that will best suit your needs and objectives. [1] Ethos Life. “Understanding the Life Insurance Grace Period.” Ethos.com. https://www.ethos.com/life-insurance/life-insurance-grace-period/ (accessed June 4, 2026). [2] Kagan, Julia. “Understanding Accelerated Benefits in Life Insurance Policies.” Investopedia.com https://www.investopedia.com/terms/a/accelerated-benefits.asp (accessed June 4, 2026). [3] Stimpson, Jeff. “Form 1099-LTC Explained: Long-Term Care and Death Benefits.” https://www.investopedia.com/1099-ltc-form-what-to-know-about-the-1099-ltc-form-4781748 (accessed June 4, 2026). [4] Progressive Insurance. ”What is a life insurance critical or chronic illness rider?” Progressive.com. https://www.progressive.com/answers/critical-chronic-illness-rider/ (accessed June 4, 2026).   More SML Planning Minute Podcast Episodes This podcast is brought to you by Security Mutual Life Insurance Company of New York, The Company That Cares®. The content provided is intended for educational and informational purposes only. Information is provided in good faith. However, the Company makes no representation or warranty of any kind regarding the accuracy, reliability, or completeness of the information. The information presented is designed to provide general information regarding the subject matter covered. It is not to serve as legal, tax or other financial advice related to individual situations, because each individual's legal, tax and financial situation is different. Specific advice needs to be tailored to your situation. Therefore, please consult with your own attorney, tax professional and/or other advisors regarding your specific situation. To help reach your goals, you need a skilled professional by your side. Contact your local Security Mutual life insurance advisor today. As part of the planning process, he or she will coordinate with your other advisors as needed to help you achieve your financial goals and objectives. For more information, visit us at SMLNY.com/SMLPodcast. If you've enjoyed this podcast, tell your friends about it. And be sure to give us a five-star review. And check us out on LinkedIn, YouTube and Twitter. Thanks for listening, and we'll talk to you next time. Tax laws are complex and subject to change. The information presented is based on current interpretation of the laws. Neither Security Mutual nor its agents are permitted to provide tax or legal advice. The applicability of any strategy discussed is dependent upon the particular facts and circumstances. Results may vary, and products and services discussed may not be appropriate for all situations. Each person's needs, objectives and financial circumstances are different, and must be reviewed and analyzed independently. We encourage individuals to seek personalized advice from a qualified Security Mutual life insurance advisor regarding their personal needs, objectives, and financial circumstances. Insurance products are issued by Security Mutual Life Insurance Company of New York, Binghamton, New York. Product availability and features may vary by state.​ SubscribeApple PodcastsSpotifyAndroidPandoraby EmailTuneInDeezerRSSMore Subscribe Options

On this episode of the Insurance Coffee House, Nick Hoadley is joined by Anne Arnold, Director of Talent Acquisition at Farmers Insurance®. With a career that began in the entertainment industry before moving into agency recruiting and eventually in-house talent acquisition, Anne shares how an unexpected career move led her into a profession she has now spent more than two decades building.Anne reflects on her transition from agency recruiting into corporate talent acquisition, first helping build the function from scratch at a real estate investment trust and later joining Farmers Insurance, where she has spent the last ten years. From establishing the executive recruiting capability to leading enterprise-wide talent acquisition, she shares how her role evolved and what has kept her excited about the opportunities within the insurance industry.Nick and Anne discuss the scale and complexity of hiring across a national organisation. Despite having a lean team, Farmers hires between 4,000 and 5,000 people annually, and Anne explains the processes, discipline, and technology that allow the team to manage more than 150,000 applications each year. She discusses how technology has helped improve efficiency and candidate engagement while reinforcing her belief that recruitment remains fundamentally a human business.The conversation explores how technology is being used behind the scenes to support recruiters, automate administrative tasks, and surface highly qualified candidates more quickly. Anne explains why understanding the problem you're trying to solve matters more than adopting technology for its own sake, and why recruiters should focus on using new tools to create more time for conversations, relationships, and better candidate experiences.Nick and Anne also discuss leadership, authenticity, and building strong partnerships. Anne shares her views on hiring leaders, working with external search firms, and the importance of listening, transparency, and creating environments where people feel comfortable sharing ideas and learning from mistakes. She reflects on the lessons she has learned as a leader and why trusting your own experience and using your voice are essential to professional growth.Connect with Anne Arnold on LinkedIn to follow her work in talent acquisition, leadership, and people development.The Insurance Coffee House Podcast is brought to you by Insurance Search.We are a global Insurance Executive Search Consultancy, supporting Insurance and Insurtech businesses to attract and retain the very best insurance talent.Find out more about showcasing your employer brand as a guest on the Insurance Coffee House Podcast or sign up to our News and Insights.Or follow us on LinkedIn, Twitter or Instagram.Insurance Executive Search Consultants in USA, London and Bermuda.Copyright Insurance Search 2025 - All Rights Reserved.

For decades, State Farm represented stability. Then one of the industry's largest carriers announced sweeping changes to contracts, benefits, compensation, and retirement programs.We explore the State Farm shakeup and  what it means for the independent insurance channel. We discuss ownership, choice, customer loyalty, talent shifts, and why the ability to adapt may be the most valuable asset an agency owner has.This conversation is bigger than one company. It's about control, resilience, and what happens when the landscape changes beneath your feet. Because in insurance, the most important question may not be who writes the policy. It's who makes the rules.Learn more at IntegraPartnerNetwork.com.

Upcoming Events Snowfighters Institute Webinars: Join us live for monthly webinars built to help snow pros run stronger, more profitable operations. All sessions run 10:00 to 11:00 AM. Pricing & Estimating Review | Tuesday, July 7, 2026 Are you pricing for profit or just hoping to break even? Finding & Managing Subcontractors | Tuesday, August 11, 2026 How do you find subcontractors who actually show up when it snows? Capacity Planning | Tuesday, September 8, 2026 How do you determine your true operational capacity? Recruiting | Tuesday, October 13, 2026 Why can't you find good people to hire, and what can you do about it? Incentive Compensation & Rewards | Tuesday, November 10, 2026 Are your bonuses and rewards actually driving the results you want? Client & Employee Appreciation | Tuesday, December 8, 2026 Are you truly appreciating your clients and employees, or just going through the motions? See the full webinar list → In-Person Event GROW! Snow | September 22 to 23, 2026 An in-person event built for snow leaders and their teams. Two days of snow-specific breakout sessions, a facility tour, and content designed to drive real change at your business. Details coming soon. Episode #57Matt Delborrello, Commercial Insurance Consultant with Alera Group and an Accredited Professional in Risk and Insurance, joins Phil to demystify the world of business insurance for snow and ice contractors. From understanding how umbrella liability provides broader protection than raising general liability limits, to why being rated on payroll instead of sales can dramatically lower your premiums, to navigating the excess and surplus marketplace, Matt shares why responsiveness and relationships drive his work, how site selection affects insurability, and what every contractor needs to know before the next slip and fall claim hits. Key Learnings Umbrella Liability Beats Raising General Liability Limits - Umbrella coverage isn't auditable like general liability, so it gives you broader protection over auto and employer's liability without driving up your audit exposure. Sales vs Payroll Rating Changes Everything - Being rated on snow payroll instead of total snow sales gives carriers a more accurate picture of your true exposure and can dramatically lower your premiums. Guaranteed Cost Contracts Distort Sales Numbers - When clients pay $500,000 whether it snows 2 inches or 200, sales doesn't reflect actual risk exposure, which is why the payroll rating shift matters so much. Choose Your Clients Wisely - You can run a flawless snow operation, but if your client list is heavy on gas stations and big box retail, insurance carriers may decline to write the account because of slip and fall frequency. Site Type Matters More Than Industry Label - A local bank and a Walmart are both retail, but they carry completely different risk profiles, so generic application categories without conversation create real problems. Camera Footage Defends Against Bogus Claims - Forward-facing, rear-facing, and driver-facing cameras give carriers the evidence they need to fight inflated or fraudulent claims rather than just settling them. You Can Be Involved... Chapters (00:00:20) - Welcome and Introductions(00:01:55) - Inside Alera Group(00:05:49) - Insurance 101 for Contractors(00:07:47) - Why Umbrella Beats Higher GL Limits(00:10:24) - A Day in the Life of an Agent(00:14:54) - Why Carriers Don't Get Snow(00:20:18) - The Sales vs Payroll Shift(00:24:24) - The Clients Carriers Hate(00:28:15) - The Bogus Slip and Fall Story(00:31:29) - Who Really Decides Your Claim(00:38:32) - The Excess and Surplus Trap(00:43:16) - One Entity or Two(00:45:01) - How to Reach Matt

Welcome to Turn Data Into Action, an Enlyte podcast series exploring the trends and strategies shaping the future of insurance and claims. This episode takes a closer look … Read More » The post Sponsored: Turn Data Into Action | Enlyte Podcast appeared first on Insurance Journal TV.

Building a successful nutrition business does not always require more followers, more one-on-one clients, or more hours worked. Sometimes the biggest breakthrough comes from getting clear on who you want to serve, creating offers that align with your passion, and learning how to market and sell with confidence. In this episode, Deanna sits down with registered dietitian Liz to discuss her journey from a busy insurance-based private practice to launching a successful group program for runners. Liz shares how she navigated a niche pivot, overcame fears around selling, created her first signature group offer, and built a business model that gives her more freedom, flexibility, and fulfillment as both a business owner and a mom. Tune in to hear: Why Liz decided to shift her focus from disordered eating counseling to performance nutrition for runners How she knew it was time to invest in business coaching after getting stuck just short of her first $10K month The mindset shifts required to stop filling every available hour with one-on-one clients Why creating space in your schedule can actually increase revenue over time The importance of niche clarity and how identifying a specific sub-niche transformed her marketing How speaking directly to experienced runners helped her attract the right clients The difference between posting content consistently versus posting with a clear strategy Common fears practitioners face when considering a niche pivot Why you do not need a large social media following to generate significant revenue How Liz launched her first group program with only around 200 followers on her running-focused account The structure of her signature program, The Run Fuel Method How she sold four spots in her first group launch and generated more than $5,000 in revenue The power of discovery calls and learning how to confidently sell your services How nurturing conversations in DMs led to additional private-pay clients Why private-pay packages created more freedom and sustainability than insurance-only services The pros and cons of working with insurance platforms like Fay The role accountability played in helping her prioritize marketing and business growth activities How reducing one-on-one sessions helped eliminate burnout and restore excitement for her work The impact entrepreneurship can have on family life, flexibility, and being present with young children The biggest lessons she learned about investing in herself and taking action before feeling fully ready Connect with Liz: https://www.harvestnutritionllc.com/  https://www.instagram.com/harvestingnutritionllc/ https://www.instagram.com/runningdietitianliz/    Connect with Deanna: Instagram: @dietitiandeanna and @online.entrepreneur.academy   Want my help and strategies to have $30, $50 or $100K launches of your online program? Apply to OEA Scale

Have you been asking yourself lately, “Where is all the money going?” Or have you noticed that certain procedures are simply less productive than they used to be? Maybe you've even wondered to yourself, “I feel like I'm working harder and making less, what is happening?” If these thoughts sound familiar, then tune into this episode. Dr. Kuba and Bethany spend time discussing current trends in the MAD world of insurance. The fact of the matter is in-network practices actually are making less now due to changes in insurance. Practice owners must equip themselves with the tools needed to evaluate what has changed, why it has changed, and what they can do about it. Insurance is, no doubt, a world than can drive one mad. However, it is a world that must be won by practice owners. Listen in as practical tips are discussed. 

Evan's Segway: https://amzn.to/49stgck Evan's Walker's: https://amzn.to/4wTxZ0O Use code TURFNERDS for 5% off orders $600 and up at Magna-Matic! Use code NERDS to save 10% on Spencer Products!   Steve Bonesteel of Michigan Insurance and Financial Services is back, and this time he's sharing the claim stories that will make you rethink your coverage. From a smashed trailer that triggered five different insurance policies at once, to fraudulent salt scams costing contractors thousands, to subcontractor situations that left business owners completely exposed. Steve breaks down exactly where lawn care operators have gaps they don't even know about. We also get into the three biggest insurance misconceptions in the industry (snow removal coverage, business property coverage, and subcontractors), why filing small claims is quietly killing your renewal rates, and why cyber insurance might matter more to lawn guys than anyone has ever told you. If you're running a lawn or landscaping business in any of the 25+ states Steve covers, this episode could save your business. Text Steve at 517-947-1200.   Tap Here for Turf Nerds Merch!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Look! We Have A Website!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Don't forget to check out ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Green Frog Web Design⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and tell them the Turf Nerds sent you. Or Greg will scalp your lawn! Use promo code TURFNERDS for 50% off Equip Expo 2026 registration! Shoot us an email! Evan@TurfNerdsPod.com ⁠⁠Instagram⁠⁠ ⁠⁠Facebook⁠⁠ ⁠⁠TikTok⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Subscribe on YouTube: ⁠⁠⁠https://www.youtube.com/@TurfNerdsPodcast?sub_confirmation=1⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠#LawnCare #LawnMaintenance #Mowing #MowingGrass #LawnCareBusiness #Toro #ToroMultiforce #CubCadet #BibleStudy #Bible #Christian #Business #Entrepreneurship #Comedy #2024 #Marketing #Advertising #TipsAndTricks #Tips #Success #Yakta #YaktaMowers #YaktaOutdoor #Spring #SpringRush #FYP #Mower #NewMower #UsedMower #RouteDensity #EquipExpo #EquipExpo2024 #Echo #Stihl #RedMax #Shindaiwa #StringTrimmer #WeedWhip #GreenFrogWebDesign #WebDesign #EzraMcCarthy #Aerator #Aeration #ZAerate #Bobcat #BobcatMowers #Husqvarna #HusqvarnaGroup #HYGREENTOOL #GOMOW #ThunderLightingSupply #ChristmasLights #Christmas #Trump #DonaldTrump #PresidentTrump #ElectionDay #EZDumper #DumpInsert #StempkyNursery #Mulch #MulchInstallation #TurfNerds #Newsmax #NewsmaxTV #CarlHigbie #CharlieKirk

County yields are now available, providing an early look at how the Enhanced Coverage Option (ECO) and Supplemental Coverage Option (SCO) plans performed across the country. Join FMH's Dave DeCapp as he talks with FMH experts about payment triggers, adoption trends, and what agents and farmers should understand about these area-based crop insurance plans.

Eric Rentsch, Zywave's chief product officer and head of emerging markets, talks with Leader's Edge onsite at the 2026 Employee Benefits Leadership Forum. The conversation centers around AI use in insurance industry operations and covers issues including embedding AI more effectively into existing workflows, roadblocks to implementation and strategies for overcoming them, how to measure AI ROI, and that recent industry uproar over AI being used in personal lines distribution.

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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 Audreanna Ayala.

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 Audreanna Ayala.

Love the podcast? Send us a text!When you're diagnosed with breast cancer, your first thought is often survival.But what about everything that comes after?For many young adults diagnosed with breast cancer, questions about fertility, family planning, hormone health, identity, and future possibilities quickly become part of the conversation. Yet too many patients never learn about their options until after treatment has already begun.In this episode of Breast Cancer Conversations, Laura Carfang sits down with Kara Bendle, RN, MSN, CPN, CNL, Fertility Preservation and Adolescent & Young Adult (AYA) Program Manager at Cleveland Clinic, to discuss why fertility conversations matter from the very beginning of a cancer diagnosis.Together, they explore:• When fertility preservation conversations should happen• How breast cancer treatments can affect fertility and hormone health• The difference between fertility preservation and family building• Egg freezing, embryo preservation, and ovarian tissue preservation• The emotional impact of infertility and loss of choice• Dating, relationships, and family planning after cancer• Fertility considerations for hormone-positive breast cancer patients• Insurance barriers and access to care• Why patients deserve information—even when options are limited• The importance of keeping future possibilities openThis conversation goes far beyond fertility. It explores identity, grief, survivorship, and the power of informed decision-making after a breast cancer diagnosis.Whether you are newly diagnosed, in treatment, navigating survivorship, or supporting someone you love, this episode offers compassionate and practical guidance for understanding your options and advocating for your future.Love this episode? Send us a text through the link in the show notes. Messages are completely anonymous. If you'd like a response, include your email address so we can follow up directly.Support the showListener FeedbackIf this episode resonated with you, we invite you to leave a review on Apple Podcasts or Spotify.You can also click the link in the show notes that says "Love this episode? Send us a text" to share feedback.Messages are completely anonymous.If you would like us to follow up directly, please include your email address in your message so we can respond.Latest News: Join our Mailing List - New content drops every Monday! Discover FREE programs, support groups, and resources from SurvivingBReastCancer.org! Become a Breast Cancer Conversations+ Member! Sign Up Now. Enjoying our content? Please consider supporting our work. 

Glue Store just became the latest fashion victim to permanently close its doors after the stores were losing too much money for its owner Australia's biggest insurers have warned home insurance premiums will rise by double digits every year for the foreseeable future BMW has suffered a 6% fall in share price after it hit the brakes on its own profit outlook _ Want to lean how to go from a Saver to Investor in just 7 days - watch our new series here Complete the Budget survey for your chance to win 3 x $100 gift cards - takes only 2 mins Download the free app (App Store): http://bit.ly/FluxAppStore Download the free app (Google Play): http://bit.ly/FluxappGooglePlay Daily newsletter: https://bit.ly/fluxnewsletter Flux on Instagram: http://bit.ly/fluxinsta Flux on TikTok: https://www.tiktok.com/@flux.finance —- The content in this podcast reflects the views and opinions of the hosts, and is intended for personal and not commercial use. We do not represent or endorse the accuracy or reliability of any opinion, statement or other information provided or distributed in these episodes. ____ Important Information: This material has been created with the co-operation of BlackRock Investment Management (Australia) Limited (BIMAL) ABN 13 006 165 975, AFSL 230 523 on 19 May. Comments made by BIMAL employees here represent BIMAL’s views only. This material provides general advice only and does not take into account your individual objectives, financial situation, needs or circumstances. Before making any investment decision, you should obtain financial advice tailored to you having regard to your individual objectives, financial situation, needs and circumstances. Refer to BIMAL’s Financial Services Guide on its website for more information. This material is not a financial product recommendation or an offer or solicitation with respect to the purchase or sale of any financial product in any jurisdiction. See omnystudio.com/listener for privacy information.

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.

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In this episode, we unpack the consolidation of private practices and the growing influence of Dental Support Organizations. While many independent dentists view consolidation as a threat, Peter and Craig argue it may actually create one of the greatest opportunities the profession has ever seen. They explore the economic forces driving DSO growth, including insurance arbitrage, private equity investment, rising operating costs, and changing ownership models. But beyond the numbers, the conversation focuses on something much more important: what independent dentists can offer that large organizations often cannot. Peter, Craig, and Ian discuss why personalized care, strong patient relationships, community, and entrepreneurial freedom remain powerful competitive advantages. They challenge the idea that independent practice is becoming obsolete and explain why dentists who embrace leadership, innovation, and business education may be better positioned than ever before. The discussion also explores AI, technology, customer experience, insurance dynamics, and the future of practice ownership. As dentistry becomes increasingly consolidated, the question isn't whether the industry is changing. It's whether practice owners are willing to evolve with it. The golden era of dentistry isn't behind us. It belongs to the dentists willing to build it. If you've ever wondered what the future holds for independent practice ownership, this episode is for you. DESCRIPTION The Bulletproof Dental Podcast Episode: 445 HOSTS: Dr. Peter Boulden, Dr. Craig Spodak, and Ian de Jongh In this episode, Peter Boulden, Craig Spodak, and Ian de Jongh explore the rise of DSOs, the accelerating consolidation of dentistry, and what these trends mean for independent practice owners. The conversation examines the economic realities driving consolidation, the advantages and challenges of private practice ownership, and why community, leadership, technology, and patient experience may become the defining factors separating thriving practices from struggling ones in the years ahead. TAKEAWAYS DSO consolidation continues to reshape the dental industry Insurance arbitrage remains a major driver of acquisitions Independent practices still possess significant competitive advantages Personalized patient care is difficult to replicate at scale Community creates resilience during periods of industry change Leadership and business education matter more than ever Technology and AI will accelerate practice evolution Customer experience can become a powerful differentiator The future belongs to adaptable practice owners Consolidation creates both risks and opportunities Dentists must actively choose their path rather than react to industry trends The golden era of dentistry is still available to those willing to build it TIME STAMPS 00:00:00 - Introduction and Welcome 00:00:43 - Discussion on DSOs 00:01:34 - Statistics on DSO Growth 00:03:07 - Impact of Interest Rates on DSOs 00:04:21 - Historical Perspective on DSOs 00:05:15 - Comparison with Dermatology and Veterinary Practices 00:07:05 - Relationship-Based Nature of Dentistry 00:08:33 - Business Coaching in Dentistry 00:10:02 - Pause in DSO Consolidation 00:10:17 - Example of DSO Unwinding 00:12:09 - Financial Distress in DSOs 00:13:01 - Rollover Equity in DSO Sales 00:14:47 - Importance of Upfront Cash in DSO Deals 00:16:00 - Independent Dentists Thriving 00:18:20 - Personalization of Care 00:18:49 - Example of Personalized Service 00:20:52 - Customer Service in Dentistry 00:22:46 - DSO vs. Independent Practice Quality 00:24:02 - SOPs in DSOs 00:26:06 - Moats for Independent Practices 00:28:28 - ADA Statistics on DSO Affiliation 00:29:01 - Macro Factors Affecting Consolidation 00:31:14 - Insurance Arbitrage in DSOs 00:33:01 - AI and Service Businesses 00:34:27 - Future of Independent Dentistry 00:36:09 - Importance of Community 00:37:03 - Power in Numbers for Independent Dentists 00:37:34 - Personal Experience with DSO Sale 00:39:09 - Paycheck Advance Analogy 00:40:15 - Summary and Closing Remarks 00:42:27 - Outro and Call to Action

Guffy Wright explains how one lender waiver saved a client $14 million in value on a multifamily portfolio.Guffy Wright has spent 18 years placing commercial real estate insurance and now leads a team approaching $150 million in annual premiums at the Mahoney Group, up from $40 million in 2019. In this conversation, he breaks down how insurance stops being a line-item expense and becomes part of an investor's equity strategy.Guffy walks through a lender waiver process that recovered $830,000 in premium savings, equal to $14 million in value at a 6% cap rate, and explains why staying with the same broker for years without shopping it is a "silent killer" most investors never notice. He covers the coverages lenders require that you don't actually need, why master policies are back in 2026, when a loss limit strategy makes sense, and the one renewal habit (putting every policy on the same date) that fixes most broker relationships. He also shares where AI is already changing insurance, and where it still falls short.This episode is for any multifamily or commercial real estate investor who has never questioned their insurance broker relationship.Key topicsThe $14 million lender waiver storyWhy the same broker for years is a "silent killer"Master policies vs. loss limits in 2026The one renewal habit that fixes broker relationshipsWhere AI is already changing insuranceGuest bioGuffy Wright leads the real estate insurance practice at the Mahoney Group, where he has grown the book from $40 million to nearly $150 million in annual premiums.Links

We skipped the 3-hour line. And it cost us more than our mortgage payment. Paul Adams just got back from Disneyland with his family - and he's not sorry about what he spent. In this video, he breaks down the one upgrade that turned a chaotic, line-standing, schedule-juggling Disney trip into something his family will talk about for years. But this isn't just a Disney hack video. Because halfway through the trip, Paul and his wife sat in a room in Coronado and were asked a question that stopped them cold: Have you planned for your family's legacy as intentionally as you've planned for your career? That question - and what it means for how you spend your time, your money, and your years with your kids still at home - is what this video is really about. Timestamps: 00:27 – The "cheat code" that changed everything 01:57 – Lightning Lane Multi Pass vs. Premier Pass -- what's the difference? 02:52 – What does it really cost? Cherry runs the math on screen 03:52 – Guardians of the Galaxy: 3-hour standby vs. 55 minutes 04:20 – All top rides in both parks -- finished before noon 06:03 – Paul's exact 2-day Disneyland playbook 06:55 – It's not about saving money -- it's about the life your money produces 07:39 – The Coronado marriage retreat and the question most families never ask   #Disneyland #LightningLanePremierPass #FamilyVacation #PersonalFinance #MoneyMindset #FamilyLegacy #WealthBuilding #LifestyleDesign #SoundFinancialGroup #PaulAdams #DisneyTips #FinancialPlanning #IntentionalSpending #MoreThanCommas #DisneylandHacks --  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 Inc. 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 Inc. 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 Inc. 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 episode, Jasmine Daya shares her unique insights on cross-border real estate investing, legal strategies, and innovative technology solutions for private lenders. Discover how her diverse experience helps investors navigate complex markets in Canada and the US.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true 'white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a "mini-mastermind" with Mike and his private clients on an upcoming "Retreat", either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas "Big H Ranch"? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------