Podcasts about Insurance

Insurance premiums doubling… tripling… and companies still denying claims. Should you just self-insure and be done with it—or will that decision wreck your finances when disaster hits? In this episode of Farming Without the Bank, we dig into Chapter 8: Building Your Warehouse of Wealth and talk about what self-insuring really looks like using cash value life insurance, and where it absolutely does not make sense to go it alone.

In this episode, we are doing something a little different. Casey Nelson and I hosted an open call live one day and we called it the lazy river. WE wanted to invite people to "float in and hang out ad float out. Ive provided a few clips here for you guys to check out. WE will release the whole 2 hours some day soon... but for now this clip is about authentic leadership, engaging communication, and innovative work practices that can transform organizations. Whether you're speaking on stage, building relationships, or managing teams remotely, these insights provide practical strategies to lead with confidence.Key Topics:The importance of genuine interactions and how authenticity impacts leadership credibilityStrategies for modularizing content to adapt in dynamic speaking environmentsMemorable name drop stories and their impact on personal brandingTips for effective networking at high-profile events like Bill Gates's houseHow to test and engage audiences during keynote speechesThe role of diversity and gender dynamics in leadership credibilityFuture workplace trends: remote work, flexibility, and the four-day workweekLeveraging your unique strengths and circumstances to attract and retain talentPractical tips for transitioning from traditional to hybrid or virtual formatsTimestamps:00:00 - The value of authentic interactions and sharing personal stories02:24 - Memorable name drops and their role in networking04:41 - Insights from high-profile meet-and-greets and leadership impressions06:03 - Authenticity as a female CEO and gender dynamics in leadership08:28 - The power of candid panel discussions and last-minute updates09:28 - Modularizing content for impactful speaking engagements11:20 - Testing audience engagement in real-time during speeches12:50 - Perspectives on remote work, office culture, and flexibility14:45 - The future of work: four-day weeks and employee well-being16:20 - Strategies for small businesses to compete with large organizations17:13 - Wrapping up with humor and connecting through genuine communicationSPONSORS:Smart ChoiceCanopy ConnectMAV

How are rising trucking insurance costs quietly driving up your shipping rates and overall freight market pricing? In this episode, Chris Loewenberg from Cottingham & Butler get real about trucking insurance, risk management, and why so many companies treat insurance like a fixed tax instead of a controllable business asset that can either protect or bankrupt your operation! From the dangers of static COIs and the urgent need for real-time insurance verification technology, to the impact of nuclear verdicts, new carriers, and rising insurance premiums on shipping costs and inflation, this conversation is all about practical freight brokerage insights and proactive strategies. We also cover how partnering with specialized trucking insurance providers, building stronger safety programs, and collaborating early with insurance partners can reduce uncovered freight risk, improve pricing, and give compliant carriers and brokers a serious competitive advantage in today's trucking industry!   About Chris Loewenberg Chris Loewenberg is a Vice President at Cottingham & Butler, the nation's largest independent insurance agency dedicated exclusively to the trucking industry. He leads inside sales and technology initiatives focused on small and mid-sized fleets, helping carriers navigate rising insurance costs, increasing complexity, and tighter underwriting scrutiny. With a background that blends sales leadership, insurance expertise, and technology innovation, Chris works at the intersection of trucking operations, risk management, and data strategy. He partners closely with leading technology vendors across the transportation ecosystem to improve how insurance information is collected, validated, and used—reducing manual re-keying, accelerating quote turnaround times, and strengthening trust between carriers, agents, underwriters, and technology providers. In addition to his leadership role, Chris oversees and helps develop Cottingham & Butler's intern and early-career talent programs, working closely with universities and athletic departments to introduce students to sales, insurance, and risk management careers. He is passionate about mentoring young professionals, building high-performing teams, and creating clear development paths from internship to full-time roles. **************************************************************

In this quick Efficient Friday episode, Libby breaks down a stat that should stop every advisor in their tracks: 85% of clients have thought about switching advisors in the last year

Thirty-six hours before his wife was scheduled for a major surgery, New York Times personal finance columnist Ron Lieber got a letter in the mail that sent him reeling. Insurance was denying prior authorization for the surgery. The only way forward would be to appeal the decision. But it was Saturday night, and the surgery was Monday morning. There wouldn’t be any time. Should they even go to the hospital? They decided to bet on being able to reverse the denial later on, but the last minute coverage questions left Ron’s wife, New York Times reporter Jodi Kantor, going into surgery that Monday with a brand new sense of stress and anxiety. And along with worrying how his wife's surgery would go (spoiler: it was successful), and whether they’d end up on the hook for a bajillion dollars, it left Ron to wonder why no one had given them a heads-up earlier. He set out to find answers — and whether there might be a way to prevent these last-minute denials from sneaking up on other people. Ron turned to his "Your Money" newsletter subscribers for ideas, and eventually published a draft letter in his New York Times column that doctors and other health care providers could give their patients to better prepare them for insurance curveballs. Check out the column here – and consider passing it along to any health care workers whose patients you think might benefit. Here’s a transcript of this episode. Send your stories and questions. Or call 724 ARM-N-LEG. Of course we’d love for you to support this show. See omnystudio.com/listener for privacy information.

BOOK A DEMO– Agency Coach AI                                                                                       Learn More: Let's Chat                                                                  Watch the full episode on YouTube: HEREWhat's in this episode:Hiring doesn't fail because of a lack of applicants—it fails because most agencies make the process too easy.In this episode, Michael and Courtney break down the exact interview framework they used to eliminate over 90% of unqualified candidates and hire two top-tier sales professionals—without wasting time.You'll hear real numbers, real drop-off data, and the step-by-step hiring process that filters for character, consistency, and follow-through before you ever get on a call. If you're tired of bad hires, ghosting, and constant turnover—this episode is your blueprint.[00:00] Why the hiring process should be difficult[01:00] The #1 people problem agency owners face[02:10] The multi-step hiring framework overview[04:20] 105 applicants → what happens next[05:00] The assessment step that eliminates 75%[06:40] Why video interviews matter[08:50] Red flags that disqualify candidates instantly[10:00] Who actually shows up to interviews[11:20] From 105 applicants to 2 hires[12:45] Why hard upfront = easy long-term[14:30] Character vs skill in hiring[16:10] Final hiring advice for agency ownersBOOK A DEMO– Agency Coach AI Learn More: Let's Chat https://agencycoachai.com The first 24/7 AI sales coaching platform built for insurance pros. Real-time grading, role plays, and coaching that help producers close more deals. TEXT MICHAEL DIRECTLYHave a question or want to talk to Michael directly? It's really him, not a robot. Text “BUZZ” to (816) 727-7610 FREE 7-Day Demo – Weaver Sales AcademyTry it: CLICK HERE Tools + Free Resources https://www.weaversa.com Connect with Michael OnlineLinkedIn: linkedin.com/in/michaelweaverwsaYouTube: @michaelweavertrainingFacebook: facebook.com/themichaelweaverInstagram: @michaelweaver

Pool Pros text questions hereIn this episode of the Talking Pools podcast, hosts Steve and Wayne discuss the ongoing trade show season in the pool industry, the impact of weather on attendance, and the importance of insurance and liability considerations for pool service professionals. They share personal anecdotes and insights about navigating trade shows, the significance of networking, and the challenges of managing liability in pool services, especially concerning diving boards and hillside pools.TakeawaysTrade shows are crucial for networking and education in the pool industry.Weather can significantly impact attendance at trade shows, but it's not the only factor.Insurance coverage is essential for pool service professionals to protect against liability.Diving boards and slides pose significant risks and require careful management.It's important to have clients sign hold harmless agreements for risky features.Trade shows can be expensive, but they offer valuable opportunities for learning and connection.Understanding the nuances of insurance can save professionals from costly claims.Networking at trade shows can lead to long-term industry relationships.The timing of trade shows is often influenced by economic factors and industry schedules.Attending trade shows requires planning to maximize benefits and minimize costs.Sound bites"Trade show season is well underway.""It's all about the money.""Insurance claims can be costly."Chapters00:00 Trade Show Season Insights17:06 Navigating Pool Inspections and Liability24:43 Navigating Legal Risks in Pool Service25:43 Understanding Liability with Diving Boards and Slides28:16 Risk Management Strategies for Pool Service Providers29:28 The Importance of Communication with Clients29:54 Trade Shows: Opportunities and Challenges33:55 The Evolution of Trade Show Costs36:52 Feedback and Interaction at Trade Shows38:23 Maximizing Value from Trade Show Attendance41:59 Common Pool Maintenance Challenges47:58 Conclusion and Listener Engagement LaMotte CompanyLaMotte Company is a leading manufacturer of water quality testing products & pool test kitsCalifornia Pool AssociationPool Industry Trade OrganizationCMAHCThe Council for the Model Aquatic Health Code promotes health & safety at public swimming poolsDisclaimer: This post contains affiliate links. If you make a purchase, I may receive a commission at no extra cost to you.Support the showThank you so much for listening! You can find us on social media: Facebook Instagram Tik Tok Email us: talkingpools@gmail.com

What does effective leadership look like as data, AI, and technology continue to reshape the insurance industry? In this episode, host Ben Markland is joined by Nicole Farley, Sn. VP, Chief Insurance Officer at Bold Penguin, for a practical conversation on digital distribution, data driven decision making, and leading through change. Nicole shares how technology is being used to support agents, why excess and surplus business is growing, and what guardrails matter most as AI becomes more common across insurance. This episode offers clear takeaways for leaders navigating change while keeping relationships and trust at the center of the business.

Roma Pithadiya is the President and Chief Executive Officer of Affordable Insurance and Financial Services (AIFS), a financial services and insurance advisory firm based in the Dallas–Fort Worth area of Texas. She is a seasoned financial professional and entrepreneur with extensive experience in insurance, financial planning, and wealth protection.Roma immigrated to the United States with limited resources and has built her career from the ground up, becoming a respected advisor to individuals, families, and small businesses in matters of health insurance, life insurance, auto and home protection, and long-term financial planning. She has been active in the financial services industry for well over a decade and is known for her deep commitment to client education and advocacy.She is also recognized as a Million Dollar Immigrant, a title reflecting her journey from starting penniless in the U.S. to achieving significant success in the insurance and financial advisory business.In addition to her executive role, Roma engages heavily in community service: she is active with the Lions Club, participates in senior citizen organizations, and serves on committees for cultural and religious groups. She frequently speaks on financial literacy and planning topics at national stages, including events hosted by CNN, the Harvard Club of Boston, New York Life, Nasdaq, and the MDRT (Million Dollar Round Table).Her expertise spans health insurance (including Medicare and individual policies), life and annuity products, retirement planning, and strategies for tax-efficient financial growth. Roma also works to empower clients to manage their finances wisely and protect their financial futures with well-structured, personalized solutions.Learn more: https://aifsgroupbyroma.com/Roma Pithadiya is not an attorney or CPA. Affordable Insurance and Financial Services does not provide legal or tax advice. Any discussion of financial strategies is general in nature and not a recommendation. Insurance and financial products involve risk and may not be suitable for all individuals. Licensing and availability vary by state.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/roma-pithadiya-president-and-ceo-of-affordable-insurance-and-financial-services-discussing-the-hybrid-approach-to-tax-free-retirement

Roma Pithadiya is the President and Chief Executive Officer of Affordable Insurance and Financial Services (AIFS), a financial services and insurance advisory firm based in the Dallas–Fort Worth area of Texas. She is a seasoned financial professional and entrepreneur with extensive experience in insurance, financial planning, and wealth protection.Roma immigrated to the United States with limited resources and has built her career from the ground up, becoming a respected advisor to individuals, families, and small businesses in matters of health insurance, life insurance, auto and home protection, and long-term financial planning. She has been active in the financial services industry for well over a decade and is known for her deep commitment to client education and advocacy.She is also recognized as a Million Dollar Immigrant, a title reflecting her journey from starting penniless in the U.S. to achieving significant success in the insurance and financial advisory business.In addition to her executive role, Roma engages heavily in community service: she is active with the Lions Club, participates in senior citizen organizations, and serves on committees for cultural and religious groups. She frequently speaks on financial literacy and planning topics at national stages, including events hosted by CNN, the Harvard Club of Boston, New York Life, Nasdaq, and the MDRT (Million Dollar Round Table).Her expertise spans health insurance (including Medicare and individual policies), life and annuity products, retirement planning, and strategies for tax-efficient financial growth. Roma also works to empower clients to manage their finances wisely and protect their financial futures with well-structured, personalized solutions.Learn more: https://aifsgroupbyroma.com/Roma Pithadiya is not an attorney or CPA. Affordable Insurance and Financial Services does not provide legal or tax advice. Any discussion of financial strategies is general in nature and not a recommendation. Insurance and financial products involve risk and may not be suitable for all individuals. Licensing and availability vary by state.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/roma-pithadiya-president-and-ceo-of-affordable-insurance-and-financial-services-discussing-irs-and-insurance

In this conversation, Beth Boisseau-Coots, a commercial insurance broker, discusses the critical role insurance plays for real estate investors, particularly during property acquisition and in high-risk coastal markets. She emphasizes the importance of planning for insurance early, explains the cyclical nature of insurance pricing, and highlights the need to understand different coverage types for rental and investment properties. The discussion also explores unusual insurance requests, tenant-related risks, and why requiring renter's insurance is essential for protecting landlords from potential damages.   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   —--------------------

In this episode of BaseballBiz On Deck, Mark Corbett and Mat Germain dive into a wide-ranging discussion covering the World Baseball Classic, MLB luxury tax realities, Rays stadium costs in Tampa, and the latest trade rumors involving the Pirates and Rays.With pitchers and catchers reporting soon, the conversation blends anticipation for the baseball season with serious questions about insurance, international tournaments, player safety, and league economics, along with several Tampa-specific developments.World Baseball Classic 2026:  Insurance, Puerto Rico & Player ConcernsWorld Baseball Classic and growing concerns surrounding player insurance coverage, particularly for Team Puerto RicoKey discussion points include:Insurance challenges for star players such as Francisco Lindor and Carlos CorreaWhy pitchers face higher risk in international tournamentsThe possibility of Puerto Rico withdrawing despite hosting WBC pool playHow MLB, players, and the World Baseball Classic share responsibility for coverageBroader concerns about fan safety, international security, and ICE involvement at global sporting eventsMark and Mat explore how these factors could affect attendance, participation, and the future of the World Baseball ClassicTampa Bay Rays Stadium UpdateThe 2.3 Billion Dollar Price TagA headline-grabbing figure sparks the next segment as discussion turns to the reported 2.3 billion dollar cost tied to the Rays proposed stadium and surrounding development in TampaStadium versus mixed-use development costsPublic funding compared to long-term tax revenueMayor Jane Castor's position as a lame-duck Previous negotiations in St. PetersburgWhy the project is being framed as an investment rather than a giveawayMark shares Tampa-specific context, including Gasparilla celebrations & the unusual sight of ice being placed inside Raymond James Stadium for a hockey eventMLB Luxury Tax - Who Pays, Who Benefits and Who Does NotMat breaks down the MLB competitive balance tax and how top spending teams continue to dominate payrollThe Dodgers, Mets, and Yankees leading luxury tax paymentsNearly 400 million dollars collected league-wideHow some small-market teams retain revenue instead of reinvestingWhy the system weakens competitive balance across multiple marketsCalls for financial transparency and opening team books in the next CBAOther impacting factors: Gambling revenue, international brand growth, and how winning teams build global fanbases.Pirates, Rays and MLB Rumors & MLB trade developments & rumorsThe Pirates being linked to Framber Valdez and the impact of a potential elite rotationBlue Jays and Giants also monitoring the Valdez marketBreaking News – Framber Valdez signs with the Detroit Tigers to the astonishment of fans and the Pittsburgh PiratesThe Rays continuing their trend of three-team tradesTampa Bay acquiring Ben Williamson, a defense-first infielder with offensive upsideHow Williamson fits alongside Taylor Walls and Junior CamineroWhy controllable, pre-arbitration players remain central to Rays roster constructionMat also discusses Colton Ledbetter's departure and how internal competition shapes Rays decision-making.Remember to try to find the joy in every dayLike & subscribe to BaseballBiz On Deck.  You may also find BaseballBiz on Deck, on YouTube at iHeart Apple, Spotify, Amazon Music, & at www.baseballbizondeck.com Also you can find Mat at M-A-T-G-E-R-M-A-I-N dot B Sky social. That's Mat at M-A-T-G-E-R-M-A-I-N dot B, Sky social or Mark at  Baseball Biz on Deck dot B Sky Social and BaseballBiz On Deck with Facebook.

In this episode of Power Producers Podcast, David Carothers sat down with Brian Thompson from Descartes Underwriting to break down parametric coverage and why it is becoming a serious differentiator for producers. Brian explained parametric as a predefined payout tied to a predefined event, with payment triggered by the event and supported by a loss attestation. They explored how parametric can address gaps traditional insurance does not, especially economic loss, non damage business interruption, and revenue disruption tied to access and supply chain issues. David emphasized that producers do not need to be experts, but they do need to know parametric exists and ask better discovery questions to uncover risks that can be solved with these programs. Key points: Parametric 101 and How It Actually Works Brian Thompson explains that parametric coverage is built around pre negotiated payouts for predefined events. Instead of adjusting the claim, coverage triggers based on the event, and the insured attests they suffered a loss. This structure can allow funds to arrive within days, helping clients recover faster and avoid long delays. Economic Loss Matters More Than Physical Damage A major takeaway is that parametric can cover full economic loss, not just physical damage. That includes revenue disruption after a storm, cancellations, loss of access, and increased operating costs. This is where many producers get stuck because they assume insurance only responds to visible property damage. Real World Use Cases Beyond Property Insurance They shared examples like a casino location in Macau where coverage was tied to access over a bridge, resulting in a fast payout after a typhoon closed access. Another example involved Mississippi River water levels impacting barge shipments, forcing higher costs through trucking and rail. These scenarios show how parametric can insure risks that usually fall outside standard policies. How Pricing and Structuring Really Happens David pushed for clarity on pricing, and Brian explained that rate depends on frequency, severity, and what the client wants to retain versus transfer. The structuring process is iterative, often requiring several quote revisions. Back testing is a key advantage because teams can model how coverage would have performed during past events. Why Generalists Will Struggle Going Forward David reinforced that generalist producers will lose because they miss nuanced operational risks. Parametric requires deeper discovery to uncover what truly threatens profitability, liquidity, and continuity. Knowing how to ask the right questions helps producers create wedge opportunities and win accounts. Education Resources and How Producers Can Get Started Brian shared that education is a major part of adoption, and Dart runs webinars, publishes a newsletter, and provides case studies and examples. The most important step is sending a what if scenario and using real quotes to understand how the product behaves. Producers can lean on the carrier team as an in house expert until they build confidence. Connect with: David Carothers LinkedIn Brian Thompson LinkedIn Kyle Houck LinkedIn Visit Websites: Power Producer Base Camp Descartes Underwriting Killing Commercial Crushing Content Power Producers Podcast Policytee The Dirty 130 The Extra 2 Minutes  

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Dr. Willie Jolley. Summary of the Interview: Dr. Willie Jolley on Money Making Conversations Masterclass Dr. Willie Jolley—Hall of Fame speaker, bestselling author, and longtime SiriusXM host—joins Rushion McDonald to discuss his new book Rich Is Good, Wealthy Is Better. The conversation focuses on redefining wealth, transforming money mindsets, developing discipline, and overcoming setbacks to build generational prosperity. Throughout the interview, Dr. Jolley shares insights gathered over 20 years of interviewing billionaires, CEOs, and major wealth creators. He outlines the crucial difference between being rich (high income) and being wealthy (owning assets that work without you). He emphasizes the role of discipline, humility, learning, and generational thinking in achieving sustainable wealth. The interview closes with Jolley’s personal comeback story—from nightclub singer to world‑renowned speaker—and his message that it’s never too late to change your financial future. Purpose of the Interview The interview aims to: 1. Promote and explain Jolley’s new book “Rich Is Good, Wealthy Is Better,” which clarifies the difference between income-based wealth (rich) and asset‑based, multi‑generational wealth (wealthy). 2. Teach listeners how to shift their money mindset Jolley walks through the five levels of money thinking, showing how most Americans operate in the lower levels due to habit or lack of knowledge. 3. Encourage financial independence and discipline Listeners—especially entrepreneurs and families—learn the role of discipline, insurance, multiple income streams, and investment. 4. Provide motivation through Jolley’s story His setback-to-comeback story proves that financial and personal reinvention is possible at any age. 5. Address generational wealth and financial stewardship The book is also written for parents/grandparents worried their heirs may squander what they built. Key Takeaways 1. The crucial difference between rich and wealthy Rich = working income; stops when you stop. Wealthy = assets + systems; money works even when you don’t. Rich is “good”—but wealth is “better” because it is sustainable. 2. Wealth begins with mindset Jolley identifies five money mindsets: One‑day mindset (daily survival) 30‑day mindset (check-to-check) One‑year mindset Decade mindset (athletes/entertainers) Generational mindset (true wealth builders) His goal: move people one level higher. 3. Discipline is the #1 lever for wealth Wealth requires: Living below your means Consistent investment Protecting what you have Maintaining health, relationships, reputation, and intellectual capital 4. The “Five Types of Wealth” Financial wealth Health wealth Relationship wealth Reputational/brand wealth Intellectual capital wealthAll contribute to long-term prosperity. 5. The 3 Legs of Wealth Income Save & invest the difference Insurance to protect assets (life, health, disability, long‑term care) 6. At least two streams of income are essential Examples: stocks, real estate, crypto, collectibles, content creation. 7. Pride destroys wealth People overspend to look successful rather than be successful.Pride → debt → stress → financial ruin.Humility → learning → planning → wealth. 8. It’s never too late to become wealthy He shares stories of: A domestic worker who died with $2.7M A secretary who accumulated $8M A former drug dealer who reached nearly $900K starting at age 65All achieved wealth by small investments over long periods. 9. A setback is a setup for a comeback Jolley’s message is deeply motivational: Losing his singing job led him into speaking Speaking led to radio Radio led to books Books led to global influenceHe frames adversity as opportunity. Notable Quotes (from the transcript) On Wealth vs. Rich “Rich is good. Wealthy is better.” “Regular folks work for their money. Wealthy people make their money work for them.” On Mindset “Wealth starts in your mind.” “It’s hard to hit what you can’t see—and even harder to hit what you don’t know.” (on knowing the target) On Discipline “The key to success in growing wealth is discipline.” [ On Pride “My pride was killing my wealth. I had to let the pride go so I could grab hold of the wealth.” On Setbacks “A setback is a setup for your greater comeback.” “Your setback is not the end of the story unless you choose it to be.” On Starting Late “Anybody can become wealthy if you use these principles.” “When is the best time to plant a tree? 80 years ago. The second-best time? Today.” In One Sentence The interview teaches that becoming wealthy is less about income and more about mindset, discipline, humility, and long-term planning—and that anyone can build generational wealth starting right now. #SHMS #STRAW #BESTSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Dr. Willie Jolley. Summary of the Interview: Dr. Willie Jolley on Money Making Conversations Masterclass Dr. Willie Jolley—Hall of Fame speaker, bestselling author, and longtime SiriusXM host—joins Rushion McDonald to discuss his new book Rich Is Good, Wealthy Is Better. The conversation focuses on redefining wealth, transforming money mindsets, developing discipline, and overcoming setbacks to build generational prosperity. Throughout the interview, Dr. Jolley shares insights gathered over 20 years of interviewing billionaires, CEOs, and major wealth creators. He outlines the crucial difference between being rich (high income) and being wealthy (owning assets that work without you). He emphasizes the role of discipline, humility, learning, and generational thinking in achieving sustainable wealth. The interview closes with Jolley’s personal comeback story—from nightclub singer to world‑renowned speaker—and his message that it’s never too late to change your financial future. Purpose of the Interview The interview aims to: 1. Promote and explain Jolley’s new book “Rich Is Good, Wealthy Is Better,” which clarifies the difference between income-based wealth (rich) and asset‑based, multi‑generational wealth (wealthy). 2. Teach listeners how to shift their money mindset Jolley walks through the five levels of money thinking, showing how most Americans operate in the lower levels due to habit or lack of knowledge. 3. Encourage financial independence and discipline Listeners—especially entrepreneurs and families—learn the role of discipline, insurance, multiple income streams, and investment. 4. Provide motivation through Jolley’s story His setback-to-comeback story proves that financial and personal reinvention is possible at any age. 5. Address generational wealth and financial stewardship The book is also written for parents/grandparents worried their heirs may squander what they built. Key Takeaways 1. The crucial difference between rich and wealthy Rich = working income; stops when you stop. Wealthy = assets + systems; money works even when you don’t. Rich is “good”—but wealth is “better” because it is sustainable. 2. Wealth begins with mindset Jolley identifies five money mindsets: One‑day mindset (daily survival) 30‑day mindset (check-to-check) One‑year mindset Decade mindset (athletes/entertainers) Generational mindset (true wealth builders) His goal: move people one level higher. 3. Discipline is the #1 lever for wealth Wealth requires: Living below your means Consistent investment Protecting what you have Maintaining health, relationships, reputation, and intellectual capital 4. The “Five Types of Wealth” Financial wealth Health wealth Relationship wealth Reputational/brand wealth Intellectual capital wealthAll contribute to long-term prosperity. 5. The 3 Legs of Wealth Income Save & invest the difference Insurance to protect assets (life, health, disability, long‑term care) 6. At least two streams of income are essential Examples: stocks, real estate, crypto, collectibles, content creation. 7. Pride destroys wealth People overspend to look successful rather than be successful.Pride → debt → stress → financial ruin.Humility → learning → planning → wealth. 8. It’s never too late to become wealthy He shares stories of: A domestic worker who died with $2.7M A secretary who accumulated $8M A former drug dealer who reached nearly $900K starting at age 65All achieved wealth by small investments over long periods. 9. A setback is a setup for a comeback Jolley’s message is deeply motivational: Losing his singing job led him into speaking Speaking led to radio Radio led to books Books led to global influenceHe frames adversity as opportunity. Notable Quotes (from the transcript) On Wealth vs. Rich “Rich is good. Wealthy is better.” “Regular folks work for their money. Wealthy people make their money work for them.” On Mindset “Wealth starts in your mind.” “It’s hard to hit what you can’t see—and even harder to hit what you don’t know.” (on knowing the target) On Discipline “The key to success in growing wealth is discipline.” [ On Pride “My pride was killing my wealth. I had to let the pride go so I could grab hold of the wealth.” On Setbacks “A setback is a setup for your greater comeback.” “Your setback is not the end of the story unless you choose it to be.” On Starting Late “Anybody can become wealthy if you use these principles.” “When is the best time to plant a tree? 80 years ago. The second-best time? Today.” In One Sentence The interview teaches that becoming wealthy is less about income and more about mindset, discipline, humility, and long-term planning—and that anyone can build generational wealth starting right now. #SHMS #STRAW #BESTSee omnystudio.com/listener for privacy information.

New data shows health and property insurance premiums are skyrocketing by 26%. We will analyze this "shadow inflation" and how to adjust your budget and portfolio for rising protection costs.Today's Stocks & Topics: Woodward, Inc. (WWD), Market Wrap, A. O. Smith Corporation (AOS), When to Hit the Panic Button, Barrick Mining Corporation (B), iShares Silver Trust (SLV), The "Insurance" Inflation Spike, Salesforce, Inc. (CRM), PayPal Holdings, Inc. (PYPL), Chubb Limited (CB), Fixed Index Annuities, PayPal Holdings, Inc. (PYPL), The Housing Market.Our Sponsors:* Check out Quince: https://quince.com/INVESTAdvertising Inquiries: https://redcircle.com/brands

The San Francisco Giants signed Luis Arráez to a one-year deal, with the hope that the three-time batting champion will be able to help solidify their offense after their blockbuster deal that brought Rafael Devers to the Bay last season. However, after finishing at 81–81, are the Giants doing enough to try and compete for a title?On this episode of Baseball Bar-B-Cast, Jake Mintz and Jordan Shusterman examine the questionable offseason that President of Baseball Operations Buster Posey has navigated for his Giants. While being in the same division as the Los Angeles Dodgers does present some difficulties, should the Giants be doing a bit more to show their commitment to winning? Could they still find a way to improve their rotation before the start of the season?Later, Jordan and Jake talk about the trade that saw the St. Louis Cardinals trade Brendan Donovan in a three-team deal to the Seattle Mariners and why he is going to be a key player for them. They then discuss the Chicago White Sox's active weekend, the Sacramento A's signing Jacob Wilson to an extension, all before they get into the problem that insurance is causing with World Baseball Classic rosters.2:29 – The Opener: A look at the Giants29:58 – Around the League: Mariners trade for Donovan48:18 – Turbo Mode: Reds sign Eugenio Suárez58:37 – Tarik Skubal vs. Detroit Tigers1:01:44 – We Need to Talk About: WBC insurance Subscribe to Baseball Bar-B-Cast on your favorite podcast app:

Bill Thach has had 9 lines of treatment, over 1,000 doses of chemo, and more scans than an airport. He runs ultramarathons for fun. He jokes about being his own Porta Potty. He became a father, then got cancer while his daughter was 5 months old. Today she is 8. He hides the worst of it so she can believe he stands strong, even when he knows that hiding has a cost.We talk about the illusion of strength, what it means to look fine when your body is falling apart, and how a random postcard in an MD Anderson waiting room led him to Man Up to Cancer, where he now leads Diversity and AYA Engagement. Fatherhood. Rage. Sex. Denial. Humor. Survival. All that and why the words good morning can act like a lifeline.RELATED LINKSFight Colorectal CancerCURE TodayINCA AllianceMan Up to CancerWeeViewsYouTubeLinkedInFEEDBACKLike 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.

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Dr. Willie Jolley. Summary of the Interview: Dr. Willie Jolley on Money Making Conversations Masterclass Dr. Willie Jolley—Hall of Fame speaker, bestselling author, and longtime SiriusXM host—joins Rushion McDonald to discuss his new book Rich Is Good, Wealthy Is Better. The conversation focuses on redefining wealth, transforming money mindsets, developing discipline, and overcoming setbacks to build generational prosperity. Throughout the interview, Dr. Jolley shares insights gathered over 20 years of interviewing billionaires, CEOs, and major wealth creators. He outlines the crucial difference between being rich (high income) and being wealthy (owning assets that work without you). He emphasizes the role of discipline, humility, learning, and generational thinking in achieving sustainable wealth. The interview closes with Jolley’s personal comeback story—from nightclub singer to world‑renowned speaker—and his message that it’s never too late to change your financial future. Purpose of the Interview The interview aims to: 1. Promote and explain Jolley’s new book “Rich Is Good, Wealthy Is Better,” which clarifies the difference between income-based wealth (rich) and asset‑based, multi‑generational wealth (wealthy). 2. Teach listeners how to shift their money mindset Jolley walks through the five levels of money thinking, showing how most Americans operate in the lower levels due to habit or lack of knowledge. 3. Encourage financial independence and discipline Listeners—especially entrepreneurs and families—learn the role of discipline, insurance, multiple income streams, and investment. 4. Provide motivation through Jolley’s story His setback-to-comeback story proves that financial and personal reinvention is possible at any age. 5. Address generational wealth and financial stewardship The book is also written for parents/grandparents worried their heirs may squander what they built. Key Takeaways 1. The crucial difference between rich and wealthy Rich = working income; stops when you stop. Wealthy = assets + systems; money works even when you don’t. Rich is “good”—but wealth is “better” because it is sustainable. 2. Wealth begins with mindset Jolley identifies five money mindsets: One‑day mindset (daily survival) 30‑day mindset (check-to-check) One‑year mindset Decade mindset (athletes/entertainers) Generational mindset (true wealth builders) His goal: move people one level higher. 3. Discipline is the #1 lever for wealth Wealth requires: Living below your means Consistent investment Protecting what you have Maintaining health, relationships, reputation, and intellectual capital 4. The “Five Types of Wealth” Financial wealth Health wealth Relationship wealth Reputational/brand wealth Intellectual capital wealthAll contribute to long-term prosperity. 5. The 3 Legs of Wealth Income Save & invest the difference Insurance to protect assets (life, health, disability, long‑term care) 6. At least two streams of income are essential Examples: stocks, real estate, crypto, collectibles, content creation. 7. Pride destroys wealth People overspend to look successful rather than be successful.Pride → debt → stress → financial ruin.Humility → learning → planning → wealth. 8. It’s never too late to become wealthy He shares stories of: A domestic worker who died with $2.7M A secretary who accumulated $8M A former drug dealer who reached nearly $900K starting at age 65All achieved wealth by small investments over long periods. 9. A setback is a setup for a comeback Jolley’s message is deeply motivational: Losing his singing job led him into speaking Speaking led to radio Radio led to books Books led to global influenceHe frames adversity as opportunity. Notable Quotes (from the transcript) On Wealth vs. Rich “Rich is good. Wealthy is better.” “Regular folks work for their money. Wealthy people make their money work for them.” On Mindset “Wealth starts in your mind.” “It’s hard to hit what you can’t see—and even harder to hit what you don’t know.” (on knowing the target) On Discipline “The key to success in growing wealth is discipline.” [ On Pride “My pride was killing my wealth. I had to let the pride go so I could grab hold of the wealth.” On Setbacks “A setback is a setup for your greater comeback.” “Your setback is not the end of the story unless you choose it to be.” On Starting Late “Anybody can become wealthy if you use these principles.” “When is the best time to plant a tree? 80 years ago. The second-best time? Today.” In One Sentence The interview teaches that becoming wealthy is less about income and more about mindset, discipline, humility, and long-term planning—and that anyone can build generational wealth starting right now. #SHMS #STRAW #BESTSteve Harvey Morning Show Online: http://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

This week on Catalyst, Tammy Soares speaks with Prashant Hinge, Chief Information and Transformation Officer at MSIG USA. Prashant has been working in the insurance industry for 20 years and is an expert at building teams to create solutions that improve the user experience. Prashant discusses the importance of unlearning siloed ways of working in order to unlock collaborative and cross-functional creativity, a skill that's especially important in the insurance industry. He also explains why in the current world of AI, we all need to become triathletes - meaning we now need to understand the business, need to know basic AI tools and need to develop core skills. He also talks about the opportunities that AI is unlocking for the insurance industry and how change management and ensuring you have good processes, data and people is key in ensuring success at scale. Please note that the views expressed may not necessarily be those of NTT DATA Links: Prashant Hinge State of AI in Business in 2025 Learn more about Launch by NTT DATASee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this episode of Making Risk Flow: Exploring the Ecosystem, host Jake Harding speaks with Dave Wood, Managing Director at JBA Risk Management, about how AI and deep learning are reshaping catastrophe risk modeling. Dave explains how neural networks can simulate extreme climate scenarios that fall outside historical records, helping insurers better understand compound and tail risks. The conversation also explores why model transparency and rigorous validation are essential as AI adoption accelerates, and how insurers can scale advanced weather simulation without sacrificing accuracy. Dave also shares practical guidance on integrating best-in-class AI tools into existing risk platforms, rather than building everything from scratch  in-house. Fan Mail: Got a challenge digitizing your intake? Share it with us, and we'll unpack solutions from our experience at Cytora.To receive a custom demo from Cytora, click here and use the code 'Making Risk Flow'.Our previous guests include: Bronek Masojada of PPL, Craig Knightly of Inigo, Andrew Horton of QBE Insurance, Simon McGinn of Allianz, Stephane Flaquet of Hiscox, Matthew Grant of InsTech, Paul Brand of Convex, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.Check out the three most downloaded episodes: The Five Pillars of Data Analytics Strategy in Insurance | Craig Knightly, Inigo 20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL | Bronek Masojada Implementing ESG in the Insurance and Underwriting Space | Simon Tighe, Chaucer, and Paul McCarney, Moody's

Denver multifamily 2026 cap rates just hit 6 to 6.5 percent. This is the first time since 2009. Furthermore, Denver’s highest-volume multifamily brokers believe this marks the bottom. Meanwhile, many investors wait for blood-in-the-water distressed sales. However, NorthPeak Commercial Advisors see something different in Denver multifamily 2026. Instead, they’re seeing fair pricing on quality assets. Additionally, buyer activity is returning after a two-year freeze. Chris Lopez sits down with Kevin Calame and Matt Lewallen. They’re co-owners of NorthPeak Commercial Advisors. They’re also 30-year business partners. Previously, they survived Denver’s largest condo conversion operation collapsing in 2007. Now, their firm handles more multifamily transactions than any other Denver brokerage. As a result, this gives them unmatched visibility into what’s trading in Denver multifamily 2026. Kevin and Matt don’t sugarcoat the challenges. For example, transaction volume is down 75 percent. Similarly, insurance jumped from $500 to $1500 per unit and North Aurora won’t sell at any price. Nevertheless, they lay out multiple data points. These suggest the Denver’s multifamily 2026 market has found its floor. This episode delivers real-world insights you won’t find in generic reports. For instance, Kevin shares a recent Denver multifamily 2026 showing. It drew 12 buyers after months of zero activity. Meanwhile, Matt explains why admitted insurance carriers are positioning to return. He also covers the “extend and pretend” banking strategy. Consequently, this might prevent the distressed wave many expect. They break down recent deals. Specifically, one is a 24-unit Arvada property. It’s structured as a master lease option. Another is a Thornton retail acquisition at a 7 cap. In fact, that deal has 30 percent below-market rents. Kevin and Matt explain why this downturn feels harder than 2007. Essentially, it’s the perfect storm. First, rising rates went from 3% to 6.5%. Second, there’s oversupply with 18,000 deliverable units. Additionally, expenses are spiking. Also, insurance is chaotic. Finally, unfriendly legislation is hitting Denver multifamily simultaneously. But unlike the Great Financial Crisis, properties aren’t flooding back to banks. Instead, Denver multifamily 2026 is stabilizing at healthier fundamentals. Cornerstone Property Management’s data shows renewal rates just increased 14 percent. This is after two years of decline. Moreover, NOI is steadying. Therefore, buyers who purchase Denver multifamily 2026 properties at today’s 6+ cap rates can expect realistic returns. Those are 7-8 percent annually. As a result, they’ll likely look back in 18 months satisfied with their timing. In This Episode We Cover: Why Denver multifamily 2026 cap rates returning to 6-6.5% signals a healthy market (not a crisis) How NorthPeak Commercial Advisors closes double the Denver multifamily transactions of any competitor The insurance crisis that pushed costs from $500 to $1500 per unit and why relief is coming Recent showing with 12 buyers proves Denver multifamily 2026 market is waking up Creative deal structures: master lease options, seller financing, and assumption deals Why North Aurora won’t sell at any price while core Denver stabilizes at 6 caps Cornerstone data shows 14% renewal rate increase—first positive rent signal in two years Proper expectations for Denver multifamily 2026 buyers: 7-8% returns are the new normal Kevin and Matt built NorthPeak by surviving the 2007 crash, unwinding a $15 million condo conversion empire, and grinding through survival mode to become Denver’s top multifamily brokerage. Their 17 brokers make hundreds of calls daily, giving them real-time market data that generic reports miss. Whether you’re holding assets wondering if you should sell or sitting on capital waiting for the perfect entry, this episode provides the data-driven analysis Colorado investors need to make informed decisions in 2026. Watch the YouTube Video https://youtu.be/KrXKPX5Nylc Timestamps 00:00 – Welcome & Episode Introduction 01:55 Kevin & Matt’s 30-Year Partnership Origin 09:09 – Starting NorthPeak in 2020 13:23 – 2025 Market vs 2007 Comparison 15:43 – Market Bottom Indicators 19:02 – Perfect Storm (Rates, Oversupply, Insurance, Legislation) 23:18– Insurance Crisis ($500 to $1500 Per Unit) 27:26– Buyer and Seller Expectations Closing 28:47 – Creative Deal Structures That Work 32:27 – Recent Deals and Creative Structures 34:00 – Master Lease vs Seller Carry Explained 35:40 – Retail Deal in Thornton at 7 Cap 40:21– North Aurora Completely Frozen 44:53– Where to Find Value in 2026 48:56 – Working with NorthPeak CRE Links in Podcast NorthPeak Commercial Advisors Email Kevin Calame kevin@northpeakcre.com Email Matt Lewallen matt@northpeakcre.com Carleton H. Sheets ‘No Down Payment’ Real Estate Program

In this powerful and deeply human conversation, Amy Sylvis sits down with gratitude expert, entrepreneur, and author Kim Angeli to explore what it truly means to choose abundance - even when life feels chaotic, uncertain, or painful. Kim shares her personal journey from building and selling a successful insurance agency to answering a calling to teach Grateful Living as a daily practice. Together, Amy and Kim unpack the science and spirituality behind gratitude, why only a small percentage of people consciously choose it, and how shifting from reaction to response can radically change your life, business, and sense of purpose. This episode is a reminder that abundance is not something we chase -  it's something we practice.Connect with Kim Ange:Access the 5-Day Gratitude Challenge at https://www.kimangeli.com/https://www.facebook.com/kimangeli/Connect with Amy Sylvis:https://www.linkedin.com/in/amysylvis/Contact Us:https://www.sylviscapital.comhttps://www.sylviscapital.com/webinar00:00 Introduction02:32 Kim Angeli's Journey and Philosophy05:05 The Power of Gratitude13:14 Gratitude Journal and Its Impact18:30 Daily Practice and Discernment20:03 Seeking Clarity Through Reflection20:45 Exploring Multiple Streams of Income21:42 A Journey from Insurance to Gratitude23:07 The Turning Point: Embracing Gratitude25:43 Selling the Business and Starting Anew28:02 Living a Life of Gratitude and Abundance32:35 Practical Steps to Start Your Gratitude Journey35:41 Connecting and Continuing the Journey

Running a financial advisory firm often looks appealing from the outside: freedom, flexibility, and income potential. But the reality of being a true business owner requires an entirely different skill set. In this episode, Libby sits down with Hannah Moore to have an honest, vulnerable conversation about what it really takes to move from advisor to CEO, including the emotional, operational, and leadership challenges that often go unspoken ✨In this episode, you'll learn:Why owning a firm is fundamentally different from being a great financial advisor, and why most advisors are unprepared for that shiftHow Hannah navigated massive business transitions, including reducing her client base, growing two companies, and building a leadership teamWhat it actually looks like to delegate meaningful responsibilities like sales calls and client relationshipsHow ego, identity, and grief can quietly hold advisors back from scaling their firmsWhy self-awareness is one of the most important traits of successful advisors and CEOsThis episode is a powerful reminder that growth doesn't come from doing more, but from letting go, building trust in your team, and stepping fully into the CEO role. If you're feeling stretched, overwhelmed, or stuck in the day-to-day, this conversation will help you see what's possible on the other side of intentional leadership.Find Hannah on LinkedIn HERE!Learn more about Amplified Planning HERE!Learn more about the Group Coaching & Mastermind HERE! Check out The First 100 Days Course: The Advisor's Blueprint for a Remarkable Client Experience HERE!Learn more about Asset-Map financial planning software HERE! Learn more about our sponsor Beemo Automation HERE! Check out the Efficient Advisor YouTube Channel HERE!Connect with Libby on LinkedIn HERE!Successful businesses don't get built alone. You need community! You need collaboration! Join us in The Efficient Advisor Community on Facebook.

Hey CX Nation,In this week's episode of The CXChronicles Podcast #276, we welcomed Todd Breton from Hippo Insurance & Eileen Potter from Smart Communications to talk through CX's role in the insurance industry. Smart Communications is the trusted choice for regulated enterprises looking to modernize complex processes and connect with customers in the moments that matter most. More than 650 enterprises worldwide—including Zurich Insurance, Priority Health, The Pacific Financial Group, and The Bancorp—rely on Smart Communications to reduce compliance risk, boost operational efficiency, lower costs, and fast-track digital transformation that fuels business growth and elevates the customer experience.500,000+ homeowners are insured today by Hippo with 70+ insurance carrier partners to boot. In this episode, Todd, Eileen and Adrian chat through the Four CX Pillars: Team, Tools, Process & Feedback. Plus share some of the ideas that their teams think through on a daily basis to build world class customer experiences.**Episode #276 Highlight Reel:**1. Technology's role in the insurance industry2. How AI is changing the insurance space 3. Why most insurance companies are doubling down on CX4. Relationships still matter for most insurance customers5. The future of insuranceClick here to learn more about Todd BretonClick here to learn more about Eileen PotterClick here to learn more about Smart CommunicationsClick here to learn more about Hippo InsuranceHuge thanks to Todd & Eileen for coming on The CXChronicles Podcast and featuring their work and efforts in pushing the way that customer experience fits inside of the insurance industry in the future. For all of our Apple & Spotify podcast listener friends, make sure you are following CXC & please leave a 5 star review so we can find new members of the "CX Nation". You know what would be even better?Go tell your friends or teammates about CXC's custom content, strategic partner solutions (Hubspot, Intercom, & Freshworks) & On-Demand services & invite them to join the CX Nation, a community of 15K+ customer focused business leaders!Thanks to all of you for being apart of the "CX Nation" and helping customer focused business leaders across the world make happiness a habit!Reach Out To CXC Today!Support the showContact CXChronicles Today Tweet us @cxchronicles Check out our Instagram @cxchronicles Click here to checkout the CXC website Email us at info@cxchronicles.com Remember To Make Happiness A Habit!!

In this episode of More Than Commas, SFG President Cory Shepherd sits down with CEO of Trail CPA, Trent Trailov, to break down the Qualified Business Income (QBI) deduction and how business owners can strategically use it to reduce taxes. If you earn non-W2 income, own a business, or operate as a consultant, financial professional, or service-based business owner, this conversation walks through who qualifies, income thresholds to watch, and real strategies to maximize tax savings. You'll also hear practical examples showing how the right planning decisions, like business expenses, charitable giving, and retirement contributions, can unlock tens of thousands of dollars in tax savings. -- Timestamps: 03:10 – What Is the Qualified Business Income (QBI) Deduction? 06:15 – QBI Income Phaseouts Explained (Single vs. Married Filers) 08:20 – Real Example: Using Business Expenses to Qualify for QBI 10:55 – Which Businesses Need to Be Careful? (SSTB Rules) 14:05 – Business Expenses vs. Charitable Contributions 16:45 – Additional Strategies to Get Below the QBI Threshold 20:40 – Final Takeaways & What to Watch Going Into 2026    -- 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.

Eric discusses the DAILY HUSTLE 22-Day Challenge, where participants establish a routine by completing various physical and mental tasks each day. He also talks about the World Baseball Classic's insurance issue, which has led to several top players being denied coverage and potentially withdrawing from the tournament. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode of the Millionaire Insurance Producer Podcast, host Charles Specht discusses the challenges insurance agents face in prospecting and securing exclusive access to markets. He emphasizes the importance of understanding the insurance buyer's perspective, the necessity of Micro-Niching to stand out, and the common issue of agents presenting only one quote in their proposals. Charles advocates for positioning yourself as a "multiple quote option producer" to build trust and ultimately win clients' business through exclusivity. TAKEAWAYS: Prospecting can be frustrating when clients seek multiple quotes. Insurance buyers often don't understand the process or the agents. Micro-Niching helps agents stand out and build trust. Agents should present multiple options to clients. A strong marketing summary is crucial for success. Positioning is key to winning clients' trust. Clients prefer agents who show them multiple options. Understanding the client's perspective is essential. Agents need to change the perception of their role in the market. The Permission Producer School offers valuable training for agents. Moreover, the next cohort of the "PERMISSION PRODUCER SCHOOL" will be starting on February 16, 2026. Find out more information by visiting: www.PermissionProducerSchool.com You won't want to miss out on this one! Produced by PodSquad.fm

In this episode of the Millionaire Insurance Producer Podcast, host ⁠Charles Specht⁠ discusses the challenges insurance agents face in prospecting and securing exclusive access to markets. He emphasizes the importance of understanding the insurance buyer's perspective, the necessity of Micro-Niching to stand out, and the common issue of agents presenting only one quote in their proposals. Charles advocates for positioning yourself as a "multiple quote option producer" to build trust and ultimately win clients' business through exclusivity. TAKEAWAYS: Prospecting can be frustrating when clients seek multiple quotes. Insurance buyers often don't understand the process or the agents. Micro-Niching helps agents stand out and build trust. Agents should present multiple options to clients. A strong marketing summary is crucial for success. Positioning is key to winning clients' trust. Clients prefer agents who show them multiple options. Understanding the client's perspective is essential. Agents need to change the perception of their role in the market. The Permission Producer School offers valuable training for agents. Moreover, the next cohort of the "PERMISSION PRODUCER SCHOOL" will be starting on February 16, 2026. Find out more information by visiting:⁠ www.PermissionProducerSchool.com⁠ You won't want to miss out on this one! Produced by ⁠PodSquad.fm⁠

Happy National Dark Chocolate Day!Ladies and gentlemen we are on the first week without football in months, as we wait for Super Bowl LX. However, we are making a pros and cons list LIVE for if the Seahawks or the Patriots win. Plus, the Vikings fired the GM, 49ers hire new DC, and head coaches are set except for the Raiders. Buckle up!Plus, we have Justin Rose winning the Farmer's Insurance by multiple strokes, a new Grand Slam winner in Tennis, and the Olympics start next week so we will have some thoughts on that. Plenty of sports to talk about!The football segments continue! We have the shambles-o-meter, hang the banners, and of course our DraftKings DFS/Bets recap! Finally, we all root for different teams (49ers - AK, Bills - JVi, Cowboys - ButchP/Tex, & DYLON - Vikings) so we will have to go to the podium to answer questions and/or brag insufferably. Look alive, and let's laugh!Follow us on:HOF Bets: https://hof-bets.app.link/millygoats (Promo Code: MILLYGOATS)Twitter - https://www.twitter.com/MillyGoatsInstagram - https://www.instagram.com/TheMillyGoatsYouTube - https://www.youtube.com/@TheMillyGoatsTwitch - https://www.twitch.tv/TheMillyGoatsPodcastTikTok - https://www.tiktok.com/@TheMillyGoatsApple Pod - https://rb.gy/0meu1Spotify Pod - https://t.ly/ZUfObWeb - https://themillygoats.godaddysites.com/

--{ "Robo-Roaches and New Age Coaches"}-- Kevin Warsh, nominee for Chairman of the Federal Reserve - Robert Lauder, Kevin's father-in-law and head of the World Jewish Congress - Scott Bessent, US Secretary of the Treasury - Waking Up - The Trap - Aliens, Paranormal - Fake Reality. Adolf Hitler, Ancient Tyrants, Powerful Families - Institutions, Royal Institute of International Affairs, Council on Foreign Relations. Cecil Rhodes, Boer War, Raids - British East India Company - Anglo-American Establishment. Queen Elizabeth I - Standards of Living - Ancient Rome, Minoans, Harappans - Brytish Empire, Commonwealth, Parliament - Outer Space, Channelers, New Age Movement - Madame Blavatsky, Anne Besant, Alice Bailey, Theosophy, Mysticism - Discrediting Intelligence - Westminster Abbey: Tesserated (Checkerboard) Floor, Tombs, Obelisks in "Christian" Church. North American Integration, Unification - Montreal, Napoleonic Code - Egypt, Eye of Ra - Skinner, Behaviourism, Alteration of Environment - Genetic Enhancement - "Inferior Types", "Junk Genes" - Self-help Groups, Books - Scientific Crutches, Assurance, Insurance. MI5, MI6, Creation of Modern Mythology for Public - Aleister Crowley, OTO (Ordo Templi Orientis) - H.G. Wells. "New World Order", Hinduism - American Eugenics Society, "Perfect Specimens", Rockefeller, I.G. Farben. National and International Socialism - Trotsky, Perpetual Revolution.

In this episode of Front Cover: A Rough Notes Podcast on the Agency Intelligence Podcast Network, Jason Cass sits down with Andrew Cowan and Dave Taylor of FirstMark Insurance Group, the agency featured on the February 2026 front cover of Rough Notes Magazine.  Key Topics: From Farmers agents to independent: Andrew and Dave's leap into FirstMark in 2013 Bootstrapping for seven years and choosing people over profit to fuel growth Transitioning to 100% remote operations after COVID showed it could work Four guiding principles: positive attitude, confidence, pursuit of excellence, and thoughtful and kind Choosing ideal clients who value advice and coverage over cheap pricing Teaching agents to reframe price conversations around the three things clients deserve Three-tier training system: foundation agents, journeymen, and tenured producers Using Microsoft Teams, EZLynx, and Sales Center for remote coaching and pipeline management Building a leadership team and moving to EOS with a COO as integrator Service model that frees agents to grow by adding client care teams to relationships Reach out to: Andrew Cowan Dave Taylor Jason Cass Visit Website: FirstMark Insurance Group Rough Notes Magazine Produced by PodSquad.fm

Season 5, Episode 4: In this episode of Season 5, Jack and Alex are joined by Alex Killick, Senior Managing Director at CW Capital, one of the largest special servicers in the US. Alex pulls back the curtain on how CMBS special servicing actually works, who controls key decisions once loans move into workouts, and why today's distress looks very different from past downturns. The conversation covers pressure points across multifamily and office, the rise of tenant fraud and insurance costs, and why many resolutions are happening quietly rather than through forced sales. A rare, ground-level view of how distress moves through the real estate system. Shoutout to our sponsor, Bracket. The AI platform transforming how we underwrite deals. TOPICS 01:00 – Alex's Path to CW Capital and the GFC 06:29 – How Special Servicing and CMBS Work 08:35 – B-Piece Control and Servicer Power 14:20 – Why This Cycle Is Different 16:15 – Multifamily Stress in the Sun Belt 21:10 – Tenant Fraud, Insurance, and NOI 24:50 – Workout Decisions vs. Asset Takebacks 26:40 – Office Distress and Capital Costs 38:45 – Private Credit and Quiet Extensions 42:35 – The Metrics CW Capital Tracks For more episodes of No Cap by CRE Daily visit https://www.credaily.com/podcast/ Watch this episode on YouTube: https://www.youtube.com/@NoCapCREDaily About No Cap Podcast Commercial real estate is a $20 trillion industry and a force that shapes America's economic fabric and culture. No Cap by CRE Daily is the commercial real estate podcast that gives you an unfiltered ”No Cap” look into the industry's biggest trends and the money game behind them. Each week co-hosts Jack Stone and Alex Gornik break down the latest headlines with some of the most influential and entertaining figures in commercial real estate. About CRE Daily  CRE Daily is a digital media company covering the business of commercial real estate. Our mission is to empower professionals with the knowledge they need to make smarter decisions and do more business. We do this through our flagship newsletter (CRE Daily) which is read by 65,000+ investors, developers, brokers, and business leaders across the country. Our smart brevity format combined with need-to-know trends has made us one of the fastest growing media brands in commercial real estate.

Jules and I talked about what building real wealth actually looks like and how most people completely misunderstand what it takes. I walked through the early days of Storage Squad, the financial mistakes that nearly broke me, and the pressure of borrowing millions before I knew what I was doing. We got into how one boring self-storage deal changed the entire trajectory of my life, why simple execution beats revolutionary ideas, and how I've kept my personal burn rate low even as my income scaled. This episode is about the long game, how momentum compounds, and why the most important number in your life isn't your net worth, it's your monthly freedom number. 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  

Guest: Michael Toth. The segment focuses on California's strategy to empower the Attorney General to sue fossil fuel companies for rising insurance premiums. Toth argues these lawsuits are politically motivated and legally weak, noting that even insurance companies refuse to sue because attributing specific damages or deaths to corporate emissions is factually difficult.UNDATED

What's scarier than ghosts, cults, or cosmic madness?

In this weeks episode,  release my virtual course in Bob Dietrich and Pamela Dunn's virtual program AI in your Business that released this week. Hope you enjoy it. Let me know what you think... Sponsored by:Smart ChoiceCanopy ConnectMAV

https://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Randy Hux is the Founder and President of Hux Capital Management, a fiduciary financial planning firm headquartered in Lafayette, Louisiana. With over two decades of experience in the financial services industry, Randy is known for his passion, integrity, and deeply personalized approach to retirement and investment planning.As a licensed fiduciary, Randy upholds the highest legal and ethical standards, always putting clients' best interests first. His philosophy is simple: financial planning should be transparent, easy to understand, and results-driven—not filled with confusing jargon or sales pressure. Clients describe Randy as personable, trustworthy, and refreshingly honest—qualities that have earned him a loyal following throughout Louisiana and beyond.Under Randy's leadership, Hux Capital Management offers a holistic suite of services including proactive money management, retirement income strategies, tax-efficient investing, insurance planning, Social Security optimization, and family legacy and estate planning. His approach blends math, science, and human empathy to build custom financial plans that are designed to last a lifetime—and beyond.Randy is frequently called upon for expert commentary on retirement planning, fiduciary responsibility, and investor education. His mission remains clear: to empower individuals and families with the clarity, confidence, and control they need to enjoy their financial future on their terms.Learn more: http://www.huxcapitalmanagement.com/Investment advisory and financial planning services are offered through Simplicity Wealth, LLC, an SEC-registered investment adviser. SEC registration does not constitute an endorsement of the firm nor does it indicate that the adviser has attained a particular level of skill or ability. Investing involves the risk of loss. Insurance, Consulting and Education services offered through Hux Capital Management. Hux Capital Management is a separate and unaffiliated entity from Simplicity Wealth.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-randy-hux-founder-and-president-of-hux-capital-management-discussing-traditional-vs-independent-advisors

The construction industry has digitized, but the insurance industry hasn't kept up. Most carriers still price risk based on outdated proxies, ignoring the massive amount of real-time safety and operational data available through tools like Procore and Samsara. This disconnect means safer, tech-forward contractors are subsidizing the premiums of their higher-risk competitors.My guest, Danil Kolesnikov, Founding Engineer at Shepherd, joins me to discuss how they are using technology to fix insurance pricing. We dive into Shepherd's thesis that contractors who use software to manage their jobsites are inherently better risks and should be priced accordingly. Danil explains the engineering behind their proprietary underwriting platform, how the "Shepherd Savings" program turns software usage into premium credits, and why accurate, data-driven pricing is the only way to build a sustainable book in high-hazard industries.Chapters:(00:00:00) Using Technology To Better Price Insurance Risk (00:02:15) The Thesis: Why Tech Adoption Indicates Lower Risk (00:04:20) Build vs. Buy: Engineering a Proprietary Underwriting Platform (00:07:45) Efficiency in Pricing: The Value of the "Speed to No" (00:13:15) Navigating Complex Markets: Pricing Risk in CA and NY (00:16:40) Shepherd Savings: Converting Data into Premium Reductions (00:20:10) Scaling the Book: Using AI to Enhance Underwriting Precision▶▶ Sign Up For Your Free Discovery Callhttp://completegameu.com/agaCONNECT WITH ANDY NEARY

In this life update, Chalene and Bret share what turned into a full blown catastrophe after a major flood destroyed their California beach house. They walk through the reality of dealing with insurance delays, massive financial decisions, and why coastal properties come with a level of risk most homeowners never see coming. Along the way, the conversation shifts into a surprisingly grounding discussion about money mindset, stress, and how quickly plans and priorities can change. It is honest, sometimes darkly funny, and full of hard earned perspective on loss, gratitude, and not letting stuff define your future. Chalene and Bret also the road trip chaos that took place on their way to visit Chalene's parents.   

About this episode: The U.S. takes a unique approach to health care by tying coverage to employment. This has led to high rates of uninsured Americans, the creation of the Affordable Care Act, and ongoing fights about health care spending culminating in a government shutdown late last year. In this episode: Jonathan Cohn details the health care debate happening in Washington right now, the nuances of universal coverage in other countries, and what might come next for health insurance in the U.S. Guests: Jonathan Cohn is a writer for The Bulwark and the author of "The Ten Year War: Obamacare and the Unfinished Crusade for Universal Coverage". Host: Stephanie Desmon, MA, is a former journalist, author, and the director of public relations and communications for the Johns Hopkins Center for Communication Programs. Show links and related content: Lawmakers reached a surprise bipartisan health deal. Now they have to keep it.—POLITICO Oregon Health Insurance Experiment—National Bureau of Economic Research Defenders of Medicaid cuts are misunderstanding a study I worked on—STAT Inside Rising Health Insurance Costs—Public Health On Call (November 2025) Transcript information: Looking for episode transcripts? Open our podcast on the Apple Podcasts app (desktop or mobile) or the Spotify mobile app to access an auto-generated transcript of any episode. Closed captioning is also available for every episode on our YouTube channel. Contact us: Have a question about something you heard? Looking for a transcript? Want to suggest a topic or guest? Contact us via email or visit our website. Follow us: @‌PublicHealthPod on Bluesky @‌PublicHealthPod on Instagram @‌JohnsHopkinsSPH on Facebook @‌PublicHealthOnCall on YouTube Here's our RSS feed Note: These podcasts are a conversation between the participants, and do not represent the position of Johns Hopkins University.

After the deaths of Rob and Michele Reiner — allegedly at the hands of their son Nick — one question haunts every family dealing with addiction: why hasn't treatment gotten better? Fifty years of data showing 40-90% failure rates. An overdose crisis killing over 100,000 Americans annually. And yet the fundamental approach hasn't changed since insurance companies designed the 28-day model in the 1970s. On True Crime Today, we're following the money to find out why.Psychotherapist Shavaun Scott returns for Part 2 of our examination of America's broken treatment system. The industry is worth $42 billion. Every relapse is another admission, another billing cycle. Facilities get paid whether treatment works or not. There's no standardized outcome tracking, no required reporting of success rates, no transparency for families trying to make informed decisions. Insurance companies control treatment length through utilization review, overriding clinical judgment to prioritize cost containment.We examine who blocks reform — treatment industry lobbyists, insurance companies, pharmaceutical interests. The research showing what works exists and has for years: longer treatment, integrated mental health care, medication-assisted treatment. So what prevents evidence-based care from becoming standard? Is this regulatory capture, with the industry shaping rules to protect itself? Or is the system simply too entrenched to change? A critical examination of why profit keeps trumping outcomes.#NickReiner #RobReiner #MicheleReiner #AddictionProfits #TreatmentIndustry #ShavaunScott #RehabReform #InsuranceControl #OpioidCrisis #TrueCrimeTodayJoin 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/@hiddenkillerspodInstagram https://www.instagram.com/hiddenkillerspod/Facebook https://www.facebook.com/hiddenkillerspod/Tik-Tok https://www.tiktok.com/@hiddenkillerspodX Twitter https://x.com/tonybpodListen Ad-Free On Apple Podcasts Here: https://podcasts.apple.com/us/podcast/true-crime-today-premium-plus-ad-free-advance-episode/id1705422872This 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.

AGENDA: 03:36 Brex Acquisition by Capital One for $5.15BN 10:54 Does Brex's Acquisition Help or Hurt Ramp? 16:28 TikTok Deal Completed: Who Won & Who Lost: Analysis 19:30 Anthropic Inference Costs Higher Than Expected 37:50 Open Evidence Raises at $12BN from Thrive and DST 53:56 Wealthront IPO Disaster: Is $1.5BN IPO Too Small? 01:07:27 Salesforce Wins $5BN Army Contract: The Last Laugh for SaaS  

The 28-day treatment model has been the standard since the 1970s. Relapse rates have stayed roughly the same. The approach hasn't fundamentally evolved. In almost every other area of medicine, fifty years of data showing 40-90% failure rates would have triggered a complete overhaul. So why hasn't that happened with addiction treatment? In Part 2 of our examination following the Nick Reiner tragedy, psychotherapist Shavaun Scott follows the money.A $42 billion industry where every relapse is another admission, another billing cycle. Facilities get paid whether treatment works or not. Insurance companies control treatment length through utilization review, overriding treating physicians and deciding when someone is "stable enough" for discharge regardless of clinical judgment. There's no standardized outcome tracking. No required reporting of success rates. Families can't comparison shop because the data doesn't exist.Shavaun examines the regulatory gap — in many states, the barrier to opening a treatment facility is shockingly low, with minimal oversight and no consequences for poor outcomes. We identify who pushes back when reform is proposed: treatment industry lobbyists, insurance companies, pharmaceutical interests. The research showing what works exists. Longer treatment. Integrated mental health care. Medication-assisted treatment. So what's blocking evidence-based care from becoming the norm? Is meaningful reform possible, or is this system too protected to change?#NickReiner #RobReiner #AddictionIndustry #RehabProfits #TreatmentReform #ShavaunScott #InsuranceCompanies #HealthcareCorruption #OpioidCrisis #HiddenKillersJoin 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/@hiddenkillerspodInstagram https://www.instagram.com/hiddenkillerspod/Facebook https://www.facebook.com/hiddenkillerspod/Tik-Tok https://www.tiktok.com/@hiddenkillerspodX Twitter https://x.com/tonybpodListen Ad-Free On Apple Podcasts Here: https://podcasts.apple.com/us/podcast/true-crime-today-premium-plus-ad-free-advance-episode/id1705422872This 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.

Crypto News: Fidelity Investments is launching its first stablecoin, the Fidelity Digital Dollar (FIDD), based on the Ethereum network. White House to gather crypto and banking industry executives to discuss crypto market structure legislation on Monday.Brought to you by

Pool Pros text questions hereIn this episode of the Talking Pools podcast, the hosts discuss the importance of professionalism in the pool service industry, emphasizing the need for effective communication, the value of experience, and the significance of proper training for new employees. They also touch on the challenges of managing online interactions and the impact of criticism, advocating for kindness and understanding in all professional dealings. Additionally, the conversation explores the implications of insurance and retirement planning for pool service professionals, highlighting the need for thorough preparation and awareness of industry standards.takeawaysThe podcast emphasizes a 'No Douches' policy to foster a positive environment.Experience in the pool industry is invaluable and shapes service practices.Insurance considerations are crucial for those nearing retirement in the pool service industry.Effective communication is essential for maintaining client relationships.Training new employees is vital for ensuring quality service and knowledge retention.Handling criticism with kindness can improve professional interactions.The internet has changed how professionals interact and manage feedback.Staying informed about industry trends is important for future success.Documentation and communication can protect service providers from liability.Professionalism and kindness should be at the forefront of all business dealings. Support the showThank you so much for listening! You can find us on social media: Facebook Instagram Tik Tok Email us: talkingpools@gmail.com

This week, Chris and I dive deep into a question we've been getting a lot since our town hall event with Sarah Swain, Rebecca Matthews, and Elisa Kitz (which had almost 2,000 registrants!): Why are permanent tax shelters considered an asset class?   I'll be honest—this was a concept that completely confused me until about 4-5 years ago. I grew up being taught that insurance is an expense, never an investment. But understanding how certain life insurance policies can provide liquidity, tax advantages, and long-term value has been game-changing for our family—both personally and professionally. In this episode, we break down: The difference between whole life and universal life insurance Why insurance should be the foundation of your financial house (not just the pretty stuff on top) How permanent policies build cash value you can borrow from tax-free Why getting insured young matters more than you think The connection between your health records and insurance premiums This might feel like a big topic to grasp, but stick with us. We're here to help you understand what you weren't taught growing up.   Timestamps & Chapters [2:53 - 4:33] Why This Topic Matters Now Questions coming in about permanent tax shelters as an asset class How life insurance can offer protection AND build long-term value Jenn's journey from seeing insurance as an expense to understanding it as an investment [4:33 - 7:00] What Are Permanent Tax Shelters? Two types: Whole life and universal life insurance How they differ from term insurance (which is like "rent") Why these policies are structured differently for every person [7:00 - 10:20] Whole Life vs. Universal Life Whole life: Invested through the insurance company, pays dividends, safer/more conservative Universal life: Invested through markets, higher growth potential Companies we work with have been paying dividends for over 100 years [10:20 - 13:20] The Trust Factor Why people are hesitant to invest (lack of education, past bad experiences) Importance of transparency: where money goes, how returns work, paperwork to back it up Finding advisors who customize to YOUR needs, not just sell hot products [13:20 - 17:00] The Foundation Analogy Chris's building background: insurance is like the foundation of a house TFSAs, RRSPs, FHSAs are the "pretty stuff" on top If the foundation isn't solid, everything collapses when markets slip Different types of insurance: life, critical illness, disability [17:00 - 20:20] Why We Have Different Policies Individual needs vs. family goals Whole life for lending money back to yourself Universal life for stronger growth through market investments [20:20 - 23:40] Term vs. Permanent Insurance Explained Term insurance: Pay for protection for 10, 20, 30 years—when it expires, you're done (or renew at a much higher rate) Example: $75/month at age 30 becomes $500/month at age 65 Permanent insurance: Pay for a set period (often ~20 years), then you're covered for life [23:40 - 26:40] Health & Insurance Qualification Medical Insurance Bureau (MIB) has access to ALL your medical records Even minor things (like getting imaging for headaches) can flag you and increase premiums Jenn's story: Great health rating, lower premium Chris's story: One seizure from paintball at 21 flagged him for years [26:40 - 30:00] The Integrity Factor Insurance companies will test for things like nicotine in your hair if you claim to be a non-smoker Lying on applications can void your entire policy Smokers can requalify as non-smokers after 12 months nicotine-free and cut premiums in half [30:00 - 35:20] Why We're Talking About This Jenn's perspective: Health and wealth are connected Financial stress impacts health; lack of finances prevents getting health support The gap in what we weren't taught as adults, parents, business owners Teaching preparedness so people know what questions to ask [35:20 - 40:00] How Permanent Policies Build Cash Value Example: $100/month → $25 to insurance, $75 to investment Money grows tax-free inside the policy You can borrow from it with minimal or zero tax (depending on timing) Compare to RRSPs: 100% taxed at withdrawal at your marginal rate Insurance companies are great at saving from taxation; investment companies are great at making money—permanent policies combine both [40:00 - 43:00] The Self-Lending Strategy Build cash value you can borrow from tax-free or with greatly reduced tax Use for home repairs, helping kids, investments, etc. You can put in $300-500/month—insurance still only costs $25, rest goes to your investment fund [43:00 - 46:00] Inflation & Long-Term Planning Average Canadian couple needs $2.5-3 million to retire comfortably Inflation designed to be ~2.5% annually Example: Bag of milk was $2-3 twenty years ago, now $6-9, will be $20 in the future If you're only making 2.5% interest, you're just keeping up with buying power—not growing wealth Importance of reviewing statements together as a couple (even when uncomfortable)     Key Highlights & Takeaways ✅ Insurance as Foundation, Not Expense: Permanent life insurance should be viewed as the foundation of your financial house—not a bill, but an investment that protects everything else you build on top. ✅ Two Types of Permanent Policies: Whole Life: Conservative, dividend-based, great for self-lending Universal Life: Market-invested, higher growth potential ✅ Tax Advantages: Money grows tax-free inside permanent policies, and you can borrow from your cash value with minimal or zero tax (unlike RRSPs, which are 100% taxed at withdrawal). ✅ Get Insured Young: Health changes, medical records, and age all impact premiums. The younger and healthier you are when you get insured, the better your rates—and they're locked in for life. ✅ The MIB Knows Everything: The Medical Insurance Bureau has access to all your medical records. Even minor health events (like imaging for headaches) can flag you and increase premiums. ✅ Inflation is Real: The average Canadian couple will need $2.5-3 million to retire comfortably. If your money is only growing at 2.5%, you're just keeping up with inflation—not building wealth. ✅ Self-Lending Strategy: Permanent policies allow you to build a "personal bank" you can borrow from for major expenses, investments, or helping family—without traditional loan approval processes. ✅ Transparency Matters: Any advisor should be able to explain exactly where your money is going, how returns work, and provide full paperwork. If they can't, walk away. ✅ Health & Wealth Are Connected: Financial stress impacts your health, and lack of finances prevents you from getting the health support you need. They're not separate—they're intertwined.   Let's dive in! Thank you for joining us today. If you could rate, review & subscribe, it would mean the world to me! While you're at it, take a screenshot and tag me @jennpike to share on Instagram – I'll re-share that baby out to the community & once a month I'll be doing a draw from those re-shares and send the winner something special! Click here to listen: Apple Podcasts – CLICK HERESpotify – CLICK HERE Free Resources: Free Perimenopause Support Guide | jennpike.com/perimenopausesupport Free Blood Work Guide | jennpike.com/bloodworkguide The Simplicity Sessions Podcast | jennpike.com/podcast Get 20% on thewalkingpad.com using code "JENNPIKE20" Get discounts at happybumco.com using code "JENNPIKE" *code doesn't apply with Black Friday sale* Programs: Ignite: Your 8-Week Body Transformation Program | https://jennpike.com/ignite The Peri & Menopause Project  - Join the Waitlist | jennpike.com/theperimenopauseproject Synced Virtual Fitness Studio | jennpike.com/synced Services: Work With Jenn | https://jennpike.com/work-with-jenn/ Functional Testing | jennpike.com/testing-packages Business Mentorship | The Audacious Woman Mentorship:  jennpike.com/theaudaciouswoman Connect with Jenn: Instagram | @jennpike Facebook | @thesimplicityproject YouTube | Simplicity TV Website | The Simplicity Project Inc. Connect with Chris: Instagram | @chrisborsellino Finance Discovery Session | Book Here Have a question? Send it over to hello@jennpike.com and I'll do my best to share helpful insights, thoughts and advice.

Over 100,000 Americans die from overdoses every year. Relapse rates run 40-90%. The treatment model hasn't fundamentally changed since the 1970s. And yet the addiction treatment industry is worth $42 billion. Tonight on Hidden Killers Live, we're asking the question the industry doesn't want answered: is failure profitable? Is someone actively benefiting from keeping this system broken?Psychotherapist Shavaun Scott returns for Part 2 of our examination following the Nick Reiner tragedy. The Reiner family had every resource available and it still wasn't enough to save Rob and Michele Reiner. So we're following the money. Every relapse is another admission, another billing cycle. Insurance companies control treatment length through utilization review, overriding doctors. There's no standardized outcome tracking — families can't comparison shop for effectiveness because that data simply doesn't exist.We examine who fights reform when it's proposed. Treatment industry lobbyists. Insurance companies. Pharmaceutical interests. The research on what works is clear: longer treatment, integrated mental health care, medication-assisted treatment. So what's blocking evidence-based care from becoming standard practice? Is this regulatory capture — the industry shaping rules to protect itself? Or is the treatment industrial complex so entrenched that meaningful change is impossible? Join us live for an unflinching look at who profits from broken promises.#NickReiner #RobReiner #AddictionIndustry #TreatmentProfits #RehabReform #ShavaunScott #InsuranceScam #OpioidCrisis #HealthcareFraud #HiddenKillersLiveJoin 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/@hiddenkillerspodInstagram https://www.instagram.com/hiddenkillerspod/Facebook https://www.facebook.com/hiddenkillerspod/Tik-Tok https://www.tiktok.com/@hiddenkillerspodX Twitter https://x.com/tonybpodListen Ad-Free On Apple Podcasts Here: https://podcasts.apple.com/us/podcast/true-crime-today-premium-plus-ad-free-advance-episode/id1705422872This 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.

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