Podcasts about Insurance

Continuation of a diabetes discussion covering insurance terminology , legislative barriers , "medically necessary" definitions , and the importance of self-advocacy against systemic corporate profit motives. Type 1 Diabetes Pro Tips - THE PODCAST Eversense CGM Medtronic Diabetes Tandem Mobi ** Use code JUICEBOX to save 20% at Cozy Earth  CONTOUR NextGen smart meter and CONTOUR DIABETES app Dexcom G7 Go tubeless with Omnipod 5 or Omnipod DASH * Get your supplies from US MED  or call 888-721-1514 Touched By Type 1 Take the T1DExchange survey Apple Podcasts> Subscribe to the podcast today! The podcast is available on Spotify, Google Play, iHeartRadio, Radio Public, Amazon Music and all Android devices The Juicebox Podcast is a free show, but if you'd like to support the podcast directly, you can make a gift here or buy me a coffee. Thank you! *The Pod has an IP28 rating for up to 25 feet for 60 minutes. The Omnipod 5 Controller is not waterproof.  ** t:slim X2 or Tandem Mobi w/ Control-IQ+ technology (7.9 or newer). RX ONLY. Indicated for patients with type 1 diabetes, 2 years and older. BOXED WARNING:Control-IQ+ technology should not be used by people under age 2, or who use less than 5 units of insulin/day, or who weigh less than 20 lbs. Safety info: tandemdiabetes.com/safetyinfo Disclaimer - Nothing you hear on the Juicebox Podcast or read on Arden's Day is intended as medical advice. You should always consult a physician before making changes to your health plan.  If the podcast has helped you to live better with type 1 please tell someone else how to find it!

Hollie Campe-Astridge, assistant vice president in the Sports & Recreation Department at Philadelphia Insurance Cos., said health and wellness trends are continuing to support demand for outdoor experiences.

Discussion of type 1 diabetes , Gen X identity , and advocacy against systemic insurance technology denials. Go tubeless with Omnipod 5 or Omnipod DASH * Dexcom G7 CONTOUR NextGen smart meter and CONTOUR DIABETES app Get your supplies from US MED  or call 888-721-1514 Tandem Mobi  Type 1 Diabetes Pro Tips - THE PODCAST Eversense CGM Medtronic Diabetes Touched By Type 1 Take the T1DExchange survey Use code JUICEBOX to save 20% at Cozy Earth  Apple Podcasts> Subscribe to the podcast today! The podcast is available on Spotify, Google Play, iHeartRadio, Radio Public, Amazon Music and all Android devices The Juicebox Podcast is a free show, but if you'd like to support the podcast directly, you can make a gift here or buy me a coffee. Thank you! * The Pod has an IP28 rating for up to 25 feet for 60 minutes. The PDM is not waterproof. Among all paid Omnipod 5 G6G7 Pods Commercial and Medicare claims in 2024. Actual co-pay amount depends on patient's health plan and coverage, they may be higher or lower than the advertised amount. Source IQVIA OPC Library. Disclaimer - Nothing you hear on the Juicebox Podcast or read on Arden's Day is intended as medical advice. You should always consult a physician before making changes to your health plan.  If the podcast has helped you to live better with type 1 please tell someone else how to find it!  

Looking to Add Plumbing To Your HVAC Business? Learn the critical pitfalls to avoid before you make the leap! In this livestream from the 7th Annual HVAC/R Training Symposium, service plumber and third-generation tradesman Nate Agentis breaks down why adding plumbing to your HVAC business isn't as simple as hiring a plumber and stocking PVC on your trucks. What You'll Learn: Why most HVAC companies fail when adding plumbing services The hidden costs beyond just hiring plumbers Marketing challenges specific to emergency plumbing How to structure your plumbing division for success The importance of leadership and proper business planning Insurance, branding, and culture considerations Smart entry points like maintenance plans and water heater services Nate shares real-world insights on avoiding the cash flow drains, cultural toxicity, and structural mistakes that plague HVAC companies trying to diversify. Whether you're considering adding plumbing or already struggling with your plumbing division, this conversation provides actionable strategies for sustainable growth.   Have a question that you want us to answer on the podcast? Submit your questions at https://www.speakpipe.com/hvacschool. Purchase your tickets or learn more about the 7th Annual HVACR Training Symposium at https://hvacrschool.com/symposium. Subscribe to our podcast on your iPhone or Android. Subscribe to our YouTube channel. Check out our handy calculators here or on the HVAC School Mobile App for Apple and Android.

This episode exposes the misleading language behind “best interest” financial sales practices, using the insurance-backed fight against the Department of Labor's fiduciary rule as the main example. Don and Tom explain why rolling money from a 401(k) or 403(b) into an IRA can leave investors vulnerable to commissions, conflicts, vague disclosures, and expensive products dressed up as advice. They break down the difference between true fiduciary advice, so-called best-interest standards, and bare-minimum suitability, then answer listener questions on pension-heavy asset allocation, Delaware Statutory Trusts, and why some seemingly clever planning ideas are often more trouble than they're worth.0:00 “Federation of Americans for Consumer Choice” irony and setup0:52 Fiduciary rule battle with the Department of Labor (and why it keeps dying)1:43 Who's really behind the “consumer choice” push (insurance industry)2:41 Why retirement rollovers (401k → IRA) are the financial “wild west”3:13 $841B rollover stat and loss of ERISA protections4:34 Who actually operates under a true fiduciary standard5:14 Why rollovers require serious skepticism (fees, conflicts, hidden costs)6:10 Form BI and the illusion of “best interest”7:09 Insurance “best interest” rules and the loophole problem8:23 Disclosure theater: legal cover vs real transparency9:40 What a fiduciary does NOT guarantee (returns, cost, communication)10:47 Why even fiduciaries can be expensive10:58 The three standards explained: fiduciary vs best interest vs suitability12:02 “It's not terrible” — the low bar of suitability13:03 Advice vs sales pitch: how most investors get fooled13:38 Listener case: pension-heavy early retirement plan17:18 Pension as “bond substitute” debate19:08 Portfolio breakdown and fund choices (Vanguard, Avantis)20:55 Simplicity vs complexity across multiple accounts21:58 Risk reduction suggestion despite strong financial position24:13 Delaware Statutory Trusts (DSTs): tax deferral vs massive fees25:59 DST downsides: illiquidity, lack of control, high commissions26:29 Bottom line on DSTs: “pay your taxes and move on”27:12 Listener suggestion: “Can I afford it?” segment27:50 Why personalized affordability segments are impractical29:37 Show longevity discussion and future timeline31:11 Financial Physics book plug (Kindle version now available)Questions? Comments? Click!

Most real estate investors spend a lot of time learning how to build wealth, but far fewer know how to protect it when disaster comes. In this episode, Thomas and Nate sit down with Michael Fried, Vice President and Partner at Strategic Claim Consultants, to break down what real estate investors need to know about insurance claims, asset protection, and avoiding costly coverage mistakes. Michael shares why insurance claims are so often underpaid, when investors should bring in a public adjuster, and how poor policy design can leave owners exposed after fires, water damage, storms, and other major losses. Whether you own one rental or a large portfolio, this episode will help you think more strategically about protecting your properties. To become a client, request a consultation from Hall CPA, PLLC at go.therealestatecpa.com/3KSEev6 Get the FREE Ultimate STR Tax Strategy Bundle: go.therealestatecpa.com/strbundle Submit your question for Tom & Nathan: go.therealestatecpa.com/question The Tax Smart Real Estate Investors podcast is for general information purposes only and is not intended to provide, and should not be relied on for, tax, legal, or accounting advice. Information on the podcast may not constitute the most up-to-date legal or other information. No reader, user, or listener of this podcast should act or refrain from acting on the basis of information on this podcast without first seeking legal and tax advice from counsel in the relevant jurisdiction. Only your individual attorney and tax advisor can provide assurances that the information contained herein – and your interpretation of it – is applicable or appropriate to your particular situation. Use of, and access to, this podcast or any of the links or resources contained or mentioned within the podcast show and show notes do not create a relationship between the reader, user, or listener and podcast hosts, contributors, or guests. Any mention of third-party vendors, products, or services does not constitute an endorsement or recommendation. You should conduct your own due diligence before engaging with any vendor.

Rebecca Benghiat holds a JD, passed the bar, and skipped corporate law to build mental health systems instead. She now serves as Chief of Staff and Head of Impact at Inner Foundation, where she helps direct capital toward emerging adults ages 18 to 30 and asks a hard question every day: Is this actually working?In this conversation, she dismantles the myth of easy fixes. She explains why mental health measurement resists clean metrics, why a PHQ 9 score starts a conversation but never finishes one, and why “scale” often flatters institutions more than it helps people. She breaks down how impact investing shapes care delivery, why schools need networked systems not slogans, and why friction might be developmentally necessary.The stakes are real. Vulnerable families navigate snake oil, glossy apps, and pay to play algorithms while carrying the burden of choice in crisis. Benghiat lives inside that complexity and refuses to simplify it.RELATED LINKSRebecca BenghiatInner FoundationAspen Ideas HealthThe Jed FoundationFEEDBACKLike this episode? Rate and review Out of Patients on your favorite podcast platform. For guest suggestions or sponsorship email podcasts@matthewzachary.comSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Taking time to annual review your insurance policy to understand what is and is not covered in the event of a wilfire is an important practice for farm and ranch owners.

Date: April 12, 2026 Text: 1 John 3:19-24; 5:13-17 Series: 1 John: Jesus, Continued Title: Assurance > Insurance Speaker: Dr. Owen Nease, Lead Pastor

David Bock, associate vice president, head of Midwest and West Public D&O for Nationwide's commercial liability team, discusses how micro- and small-cap public companies differ from larger public companies in risk profile, claims activity and governance structure.

While the global food system has largely adjusted to the disruptions in agricultural commodities and fertilizers following the invasion of Ukraine, the new conflict in the Middle East introduces a new set of challenges at a time when markets and supply chains remain vulnerable to geopolitical shocks. Disruptions to shipping in the Strait of Hormuz, through which a significant share of the world's oil and natural gas, as well as fertilizers, transit. Concerns about potential impacts on production sites in the region have added to the uncertainty. These developments have implications for countries heavily reliant on Gulf producers for oil, gas, and fertilizers, as well as for food-import dependent economies in the Gulf, should agricultural shipments to the region face prolonged delays. While the immediate effects on trade flows and prices are still unfolding, higher energy and fertilizer costs can influence agricultural production decisions and, over time, shape food security outcomes. Understanding these dynamics early is important for anticipating where pressures may emerge and how they may interact with existing vulnerabilities. As global food systems become increasingly exposed to conflict-related and geopolitical risks, timely analysis is essential for informing both rapid response and longer-term resilience efforts. Clear insights into potential stress points and market adjustments can help governments, value chain actors, development partners, and humanitarian organizations prepare and respond effectively. The event will feature: Presentations from IFPRI experts, who will provide an up‑to‑date assessment of these developments and discuss their implications for vulnerable low‑ and middle‑income countries. A second panel of senior representatives from governments, international organizations, and the private sector, who will reflect on how they are addressing the immediate effects of the crisis and share perspectives on priorities for strengthening resilience and improving risk management strategies going forward. An opportunity for questions, comments, and discussion. Moderated by: Charlotte Hebebrand, Director of Communications and Public Affairs, IFPRI Opening Remarks Ismahane Elouafi, Executive Managing Director, CGIAR Johan Swinnen, Director General, IFPRI Ramifications for Asian Economies Albert Park, Chief Economist, Asian Development Bank Food Security Considerations and MDB toolkits Renaud Seligmann, Director for Strategy and Operations, World Bank Planet Vice Presidency Early Analyses Market Responses to the Conflict in the Middle East: Joseph Glauber, Research Fellow Emeritus, IFPRI Understanding Vulnerabilities at the Country Level: James Thurlow, Director, Foresight and Policy Modeling, IFPRI Comments on Rapid Analysis: Mark Diamond, Economist-IBRD Lead, World Bank Group Team, International Financial Institutions Dept., Foreign, Commonwealth and Development Office (FCDO) External Panel on Rapid Response and Risk Management Moderated by: Anna Gawel, Managing Editor, Devex Humanitarian Needs: Rania Dagash-Kamara, Assistant Executive Director, Partnerships and Innovation, World Food Programme (WFP) Considerations for Food Import Dependent Gulf Countries: Josef Schmidhuber, Chief Sustainability Officer, Pure Harvest Smart Farms, UAE Considerations for India: Rakesh Kapur, Joint Managing Director, Indian Farmers Fertilizers Cooperative (IFFCO) Food Security Investments in Times of Conflict: Jonah Gold, Managing Director of Insurance, US International Development Finance Corporation More about this Event: https://www.ifpri.org/event/conflict-in-the-middle-east-reverberations-for-food-systems/ Subscribe IFPRI Insights newsletter and event announcements at www.ifpri.org/content/newsletter-subscription

Keith explores how long-running social and economic shifts are redefining the American Dream—especially for younger adults who are putting off milestones like moving out, starting families, and buying homes.  He connects these trends to today's housing scarcity, elongated renter stage, and what that means for long-term rental demand and real estate investors. Keith also zooms out to place the current moment in the sweep of American history, then welcomes Redfin Chief Economist Dr. Daryl Fairweather for a data-driven conversation on affordability, supply constraints, renting versus owning, and how demographic changes could shape the next wave of opportunities in both ownership and rental markets. Episode Page: GetRichEducation.com/601 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  FAMILY to 66866  Unlock truly passive real estate income—visit flockhomes.com/GRE today to see if your properties qualify for a 721 exchange with Flock Homes. Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com  Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   welcome to GRE I'm your host. Keith Weinhold, learn just how far behind today's 30 year olds are then American history by decade as the nation approaches its 250th birthday. Finally, a conversation about what's next for the housing market with Redfin's chief economist Darrell fairweather today on get rich education.   Corey Coates  0:27   Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android. Listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com   Keith Weinhold  1:10   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President chailey Ridge personally, while it's on your mind, start at Ridge lending group.com that's Ridge lending group.com   Speaker 1  1:44   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:54   Welcome to get rich Education. I'm your host. Keith Weinhold, the voice of real estate investing since 2014 almost nobody talks about a really important story going on in America today. And I find this really astonishing. I mean, you could almost never think of America the same way again, as you'll hear while you've got these other headlines out there, constantly sucking oxygen out of the room, like decisions from the White House and inflation and wars. One big story. It moves so slowly that it kind of creeps up on you. It is the jaw dropping change in American society over the last 40 years. And then we'll discuss its seismic changes for real estate. And this is sourced from a Census Bureau supplement. It's about how fewer us adults reach typical life milestones by age 30, and this is partly because more adults opt for college than in previous generations. Oh, well, college doesn't sound like such a bad thing. I'll get to that. And by the way, 30 is an age that has come and gone for me, so I've lived through it. We're looking at a period from 1985 to 2025 so 40 years first, it's those that live on their own. In 1985 it was 83% today it's just 67% so then the percentage that don't live on their own and probably live with their parents or roommates, that has doubled. You see even more drastic declines for other milestones since 1985 those that have ever married from 77% down to 45% those that live with a child and the responsibility that this entails that's fallen from 59% down to 36% and those that own a home 48 down to 29% and again, this is for all 30 year olds since 1985 this steady, sliding, relentless decline of those who live on their own, are married, have a child, or own a home, is pretty stunning, and this is inside the most powerful nation on Earth. And here's the thing, this pattern from about 40 years ago, it unabatedly crosses through booms and busts and bubbles and bailouts, sort of like it didn't even notice those things. Somewhat ironically, what's grown during this time is the percentage that have a bachelor's degree. It's gone from 25 up to 43% so therefore, here we. Are. We've got this generation that's better educated than ever, and yet more of them are stuck down on the launch pad. It's like we built better rockets yet we can't light the fuse. And before I help you make sense of this and tell you what I believe the main force behind it to be, you just got to consider what an unfathomable aberration this has all become. At age 25 James Madison was the key architect of the US Constitution. A lot of constitution signers were in their 20s and 30s. At age 21 Steve Jobs started Apple in a garage at 20 Bill Gates co founded Microsoft at 19 Mark Zuckerberg built Facebook in a dorm room. And sure, some of these are exceptional examples, but these people committed early, and then they figured it out on the fly.   Keith Weinhold  5:59   Well, what about women? The US birth rate has hit an all time record low, because today, nearly half of 30 year old women are still child free. Okay, so some of this is logical. You can connect a few dots here more time in school, yeah, all right, that means later marriages and later kids. Sure, student debt that equals financial Gravity Boots that keep you in place. Urban living means smaller spaces. But when you stack all this together, like I just laid out later, it's not just later anymore. It is really later. That is the huge change that really startles you when you put all of this together and again, remember, over this same time span, 1985 to today, I've mentioned before how the average age of the first time homebuyer has ballooned from 29 up to 40. I mean 40 that can really take some time to sink in. And again, that's just the average in high cost housing areas. This number could be 45 or higher. I mean, sheesh, the starter home is now like a midlife purchase, and it's made right around the time that your back starts to make decisions for you, consider where we are here now, the term home ownership that is increasingly linked to older people. Those things home ownership and older people are increasingly synonymous terms. Now, owning a home, it's like a luxury good for the already established. I mean, it is pretty jaw dropping. And one contributor to these friends is the lack of available housing supply, still a 60 to 70% collapse in some populous northeast states, but really something like that. That's just a small thing. When you amalgamate it all together, it's become cultural really. The bigger trend that underlies this decline in meeting life milestones at age 30 is that long term true inflation exceeds wage increases over the decades, but there are big social shifts too. And by the way, I left my parents home for good at age 23 and some surely do so younger than I did marriage and children, they are the classic triggers to buy a house, and the longer that these type of milestones get postponed, the more likely people are to favor then flexibility over committing to a mortgage, and this then means that there is an elongated renter stage of life. Renters are no longer just passing through they're no longer just graduated from college, renting a year or two and then buying a home. Instead, they are planting flags and really pounding in stakes. And there are countless surveys that show that renters value the ability of being able to relocate without the hassle of having to sell a house. And on top of all of these trends as America ages overall, something really interesting starts to happen. This is why single family rentals have really begun to shine over the past few years, and why you had this Advent and popularity of new build and build to rent rental properties coming onto the market because single families give people the feeling of home and space and privacy and a backyard for the dog, but yet at the same time, it's commitment light, a lighter version. Now apartments benefit too, of course, and for investors, this isn't just. The trend, this is a long term tailwind, fewer life transitions. It means more stable occupancy and longer renter life cycles that lead to fewer turnovers and vacancies and repairs, so less churn, more consistency and better predictability. So the bottom line here is that this delay of life milestones, it's not subtle. It is pretty seismic, and increasingly people say that the American dream no longer even includes home ownership. Demography is destiny, and they must rent from you. And here at GRE we invest like these trends are real, but I really want to emphasize that this elongated renter stage of life really is a long term, long tail phenomenon. And I want to emphasize that because, like I said last week, in the short term, we really aren't seeing any significant rent increases due to that affordability constraint. Now we're nearly five years after America had a big wave of consumer inflation, and that really hurt kind of people this age that I'm talking about, people in their 20s and 30s, that really hurt them the most because they don't own assets that compound with the concurrent asset price inflation, they only had to deal with the bad stuff, the consumer price inflation.    Keith Weinhold  11:30   And as America approaches its 250th birthday, let's think about how this era compares to other decades. And by the way, do you know what a 250th anniversary is called? I put a line about this in my newsletter that I sent you the other day. It is called a semiquincentennial, or, I guess, semi quincentennial. I don't think that anyone's going to be using that word after the fireworks. Semiquincentennial. That sounds like a word that an Economic Committee came up with during a recession to kind of mask a worse problem or something. I suppose that the etymology makes sense. If you break it down, quincentennial would be 500 and semi would be half of 500 in any case, as you try to compare this American era to others, listen to this from the parallel truth. This is about three minutes long, and then I'll come back to comment. It's America by decade, starting all the way back in the 1770s This is a decent summary here, although it can get unnecessarily gloomy at times.   Speaker 2  12:41   Imagine you could live in the United States one decade at a time, not the America you see in movies, not the America in textbooks, but the real America. Let's start with the 1770s the decade of independence. This is not a freedom story, yet. It's a war story. Most people are farmers, roads are mud, medicine is almost nothing. And if you're a young man, your future is simple, fight or starve. Then came the 1800s The decade of expansion. America is still small, but it's hungry, new land, new states, New promises, but there is also growing slavery. Native tribes are being pushed out, and the country is quietly building a conflict it can't avoid. Now it's the 1860s the decade America almost died. There is civil war, Brother versus brother. Cities are burning. If you lived here, you didn't watch history, you survived it. Next is the 1900s The decade of industrial America, factories, railroads, steel, oil. The country becomes a machine. Cities explode with workers, but life is brutal, long hours, dirty air, child labor, you might earn money, but you will pay with your health. It's the 1920s now, the decade of jazz and madness. This is America's first big party decade, cars, radio, Hollywood. Everyone thinks the future is unstoppable. Then came the 1930s the decade the party ended. The Great Depression happens, banks collapse and jobs disappear. People line up for bread. A man with a suit could be broke in one week. This decade teaches America one lesson, that money is not real until it's in your hand. It's the 1940s now the decade America became the world's boss. World War Two turns the US into the world's factory. While Europe is burning, America is building. And when the war ends, America comes out richer than anyone in history. It's the 1950s the decade of the American dream, suburbs, big houses, one salary supports a whole family, TV dinners, new cars, new highways. This is the decade America sells the world the idea of perfect life. Next came 1960s the decade of rebellion, civil rights, Vietnam assassinations, the country feels like it's splitting. You could be hopeful or terrified, sometimes both in the same week, 1970s was the decade the system started breaking, oil crisis, inflation, crime rate, and in 1971 America quietly changes money forever. The dollar stops being backed by gold. From this point onward, America runs on trust. It. The 1980s the decade of Wall Street, America, big business, big spending. The stock market becomes religion. America looks confident again, but the middle class starts weakening slowly. Then came the 1990s the decade America felt unstoppable. The Soviet Union has collapsed and the US feels untouchable. The internet is born. This is the decade where Americans truly believe that they have won. It's the 2000s now the decade of shock, 911, wars, fear, surveillance, then 2008 hits, banks crash, housing collapses, and America learns something painful. The people who caused the crisis don't pay for it. It's the 2000s and 10s, the decade of the digital trap. Social media becomes reality, politics becomes war. Everyone is online, but nobody feels connected. The economy recovers, but normal people don't. And finally, it's the 2020s. The decade, chaos became normal. Pandemic changes everything. Supply chains are collapsing, inflation returns, AI arrives and trust collapses. And by 2026 America is still rich, but it feels exhausted. People are working harder, owning less, and trusting nobody. And the strangest part is that America didn't collapse. It just slowly became a different country, not through invasion, not through revolution, but through decades of small changes that added up to a completely new reality. So the real question is, if you could choose one decade to live in? Which one would you pick?   Keith Weinhold  16:22    Yeah, which decade would you pick to live in? A lot of people say the 1950s where we had, like they touched on there the post war boom and how one salary could support an entire household. Some people say the 1990s because the Cold War ended, we had the start of Wide Internet use, and it's before you had these stark political divisions where people started to put party ahead of country. Now some people would probably say, Are you kidding me? I'd rather live in this decade right here. I can work from home more easily than I ever could have before. And I think you can make valid cases for all of those things. And speaking of this era, a quarter just ended, and we do this quarterly at most. It's our asset class rundown. Year over year, national home prices are only up about half of 1% per the nar 1% Case Shiller and totality, single family rent index shows just 1.3% rent growth. That's year over year. This quarter, the s, p5 100 was down 5% stocks of all types are down largely to the Iran war. The yield on the 10 year treasury note rose from 4.1 up to 4.3% due to higher inflation expectations. Why does that matter so much? That's what influences 30 year mortgage rates, which also rose from 6.2 up to 6.5% West Texas Intermediate oil prices soared from 59 bucks to over 100 last quarter. Gold hit an all time high of 5400 bucks in the quarter, and then fell to about 4600 by the end of the quarter. Other precious metals hit their all time peak. Bitcoin fell from 88k down to 68k That's the asset class rundown. I'll return with Redfin's chief economist, Dr Darrell fairweather and more. I'm Keith Weinhold. You're listening to get rich education.    Keith Weinhold  18:18   Let me throw out a simple idea. Sometimes doing nothing with your money is actually a decision. Leaving it parked might feel safe, but over time, purchasing power changes. So the conversation isn't about chasing returns, it's about intentionally placing money somewhere. Freedom, family investments works in real estate people use every day. Housing, senior communities, essential properties, things tied to living and not trends. Their freedom notes offering is built for accredited investors looking for structured income backed by real assets, not speculation. I am an investor with them myself. The Freedom team makes themselves available to walk through their approach, structure and operating philosophy so you can ask questions and determine alignment before moving forward. While past performance doesn't guarantee future results, their historical operating philosophy has yielded 100% investor payouts backed by over 20 years of experience. If you want clarity before making any moves, book a clarity call@freedomfamilyinvestments.com or text family to 66 866, text the word family to 66 866,    Keith Weinhold  19:41   flock homes helps you retire from real estate and landlording, whether it's one problem, property or your whole portfolio through a 721, exchange, deferring your capital gains tax and depreciation recapture, it's a strategy long used by the ultra wealthy. Now. Mom and Pop landlords can 721, the residential real estate request your initial valuation, see if your properties qualify@flockhomes.com slash GRE, that's F, l, O, C, K, homes.com/gre.   Robert Helms  20:16   Everybody. It's Robert Helms of the real estate guys radio program, so glad you found Keith Weinhold and get rich education, don't quit your Daydream.   Keith Weinhold  20:35   This week's guest is the chief economist of Redfin during the housing crisis. She worked at the Boston Fed, studying why homeowners enter foreclosure. Since 2023 she served at the Federal Reserve Bank of Dallas. She holds her BS from MIT, and she really knows her way around campuses, because she received her Master's and PhD in Economics at the University of Chicago, where she specialized in behavioral economics, that's interesting. Welcome to GRE. Darrell fairweather,   Daryl Fairweather  21:06   thank you for having me.    Keith Weinhold  21:08   Hey, Daryl. I'd like to get to some of the statistics later in the things that Redfin does and compiles, but tell us about the behavioral side of the housing market that's often so interesting and evencounterintuitive   Daryl Fairweather  21:22   yeah, one of the most interesting things about the housing market is that people get really emotional when making this huge financial decision. It's something that people don't have a lot of practice with. Most people maybe buy a home once or twice in their whole life. There's so much social weight that's put on it. It's the American dream. There's a lot of family pressure, and there's a lot of hurting behavior that can happen. People get swept up in the moment. Maybe they overbid on a home, or maybe they miss out because other people are avoiding the housing market. So it's a really interesting place to both study psychology and economics.   Keith Weinhold  21:56   Sure, most homeowners are just inexperienced at this whole thing. Yeah, behavioral economics, it really has this strong gravity in real estate. Maybe something that you've said touches on what I call the Zestimate illusion. A lot of times, sellers anchor their price to not just the Zillow estimate, but sometimes even the peak sale price in the whole neighborhood, and that's what they think that they should get for their home?   Daryl Fairweather  22:21   Yeah, that does happen quite a bit. And I don't think a lot of people realize how much those estimates can move once a home is listed. The list price tends to move that estimate quite a lot. So it's not a fact. And those estimates don't really know many details about the home, like what upgrades might have happened, or what internally is happening within the home, like if people have gotten new appliances or gotten a new air conditioning system, it doesn't really take those things into account. So you shouldn't just anchor off of the Redfin estimate. You should definitely talk to an agent. Look at the comps. The comps can tell you a lot in terms of what homes have sold for recently, and then track your local market in terms of whether it is going up in value or down in value, because those comps might be a little bit stale, and you have to adjust for where the market is right now.   Keith Weinhold  23:06   There's some really good points there. And when I think of the behavioral side of economics in the real estate market, another nascent thing that comes to mind Darrell, is the rate shock paralysis that really set in in America in 2022 mortgage rates are still historically on the low side. But few people think about it that way. They're really swayed by the recency bias   Daryl Fairweather  23:31   yes. And one thing to take into account, though, is how much home prices have gone up since the last time rates were this high. So if you're looking at the monthly mortgage payment and how much that is compared to people's monthly incomes, it is quite expensive to buy a home. In most metros, you cannot afford to buy a home on the local median income. There's only maybe four metros that are in the middle of the country where it's still affordable to buy a home on a middle class salary. So combined the rate and the price those mortgage payments are still quite expensive, although they have gotten slightly more affordable since last year because rates are slightly lower than last year, they did come up a bit with, you know, oil prices coming up, but still, compared to last year, rates are a bit lower and a bit more affordable to get a home.   Keith Weinhold  24:13   And of course, all this is besides the point that those 2021, mortgage rates, they were born out of a collapsing economy, and I don't think that we really want that either. But yes, to your point about affordability, that's been such a buzzword in the housing market for quite a while, and for good reason. It wasn't very long ago that we reached a 40 year low in affordability. Can you tell us about what can improve affordability next? Darrell or what's most likely to happen? For example, it seems like insurance rate increases have really leveled off.   Daryl Fairweather  24:50   Yes, the reason why affordability is so bad, especially in coastal cities, the places that have the most opportunities, is because of a lack of supply. Existing homeowners, they are fine. They like when their home goes up in value, but it really is a problem for first time homebuyers, when prices just keep climbing and when new housing gets proposed, it's often the existing homeowners who are blocking that housing from getting built, and so supply is constrained. You can see this very clearly in a place like San Francisco, which had a huge economic boom in the 2010s yet housing did not keep up with all of the job opportunities that were coming to the area, and when you have all these people moving in with higher incomes, it drives up prices when there isn't adequate supply. You take Austin as another example. Austin had a huge boom during the pandemic, but supply responded. Builders built, there was a lot of development that happened, and as a result, prices came right back down. They're still above where they were pre pandemic, but nowhere near the heights that we saw back in 2021 so it just goes to show that when you allow supply to get built, it does help keep prices more moderate and keep things more affordable.   Keith Weinhold  25:59   Yes, and nimbyism is rampant, is consumer inflation or some of the other big forces out there, for sure, but yes, this national dearth of supply something that's existed even well before the pandemic, for example, it's bounced back somewhat, but still not quite enough, and it's really part of what, in my opinion, has helped support housing prices, even when mortgage rates tripled back in 2022 Can you tell us more what you believe about the future of housing supply with all the data that you do with there at Redfin Daryl,   Daryl Fairweather  26:37   housing supply improved a bit during the pandemic, but we're still far below What we need in order to make housing more accessible to middle class people. But there are new challenges that are coming. One that you mentioned is insurance. Insurance costs are going up. So even if you have a fixed rate mortgage and you've locked that in, you still have to worry about the rising cost of ownership because of insurance costs are going up. Property taxes are going up in many places, and maintenance costs are increasing. So that is going to make home ownership, and just the cost of ownership in general, whether you're an investor or an owner occupant, more expensive moving forward. And that's going to vary depending on where you are. There going to be some parts of the country where insurance goes up much faster, like in Florida, and other parts where insurance will probably be more stable like in the Midwest and Great Lakes region. So it's important now even more so to really research the neighborhood, research the home, and figure out how those expenses could increase in the future.   Keith Weinhold  27:32   Yeah, here we are in this housing market where, you know, Darrell, I think of it in a lot of ways, is, you know, maybe for three years now, we've largely been stuck in the mud, much of it due to lower supply, where we have a lower overall proportion of both buyers and sellers.   Daryl Fairweather  27:48   Yeah, what's happening right now is really an hangover from the pandemic, because so many people locked in 3% mortgage rates during the pandemic, and if those homeowners were to sell and buy again. Even if they bought the same priced home, they would end up paying more in their monthly mortgage payment because of how much higher mortgage rates are, and that's holding back supply quite significantly. It's the reason why prices have not come down despite rates going up, is because the higher rates are holding back both demand and supply at the same time, and contributing to the overall lack of inventory that's out there,   Keith Weinhold  28:24   this aberration where we have a big proportion of American homeowners living in homes where if they tried to repurchase that home at today's terms, they couldn't even do it. To your point about people not wanting to move, and that's a big reason why they almost can't. They might pay more in rent elsewhere for a like property if they were to sell what they own, if those still locked in terms and Darrell here, I think, you know, our audience is largely real estate investors, a lot of them investing in one to four unit properties. So with what you're seeing there at Redfin. And I think a lot of us know that, yeah, rent growth has been pretty slow as well. What do you see for rents in 2026 and perhaps 2027   Daryl Fairweather  29:08   originally, when we went to go do our predictions for 2026 we said that rents were going to increase this year. Now, I think that rents will continue to stay flat, and that's because there's still a lack of demand for for sale housing. People are staying in the rental market, but people are overall tightening their budgets because they're worried about the economy. They're worried about inflation. So if they can, you know, get roommates or live with family, they're going to choose to do that to keep their overall expenses lower, which will reduce demand for both for sale housing and for rental housing. And I think a lot of home sellers, they've tried to sell their homes. We saw many people try to sell their homes last year and then end up delisting their homes, and they're trying again. We saw more of those people come back in January, but I think those people are going to continue to kind of try to test the market, be a bit disappointed that there isn't enough demand, and then some of. Up for sale housing will end up as rental housing. Just driving around my neighborhood, I see so many rental signs on single family homes that I never saw before, almost more for rent signs, and I'm seeing for sale signs, so that added inventory from these accidental landlords who would like to move but don't want to give up their mortgage rate is going to increase the supply of single family rentals, and that will mean more competition for those investors that are trying to rent out the homes.   Keith Weinhold  30:27   Talk to us about rental occupancy. That's something that we're seeing at a historic low in apartment buildings, for one thing. But can you talk to us about what you see for future occupancy levels of both residential one to fours and apartments. Going forward,   Daryl Fairweather  30:43   a lot of new supply came online during the pandemic, especially in places that build a lot of condos. Many one bedroom or zero bedroom condos got built, and then those are really difficult to rent out, because, you know, they're just not that attractive. We really have more of a shortage of types of housing that's appropriate for families and those one bedroom units that are really targeted at like affluent young people. There aren't that many affluent people right now, so they're they're difficult to rent out. I think that trend is pretty much over. We're not seeing too many more condos being developed because the condos that were developed during the pandemic are still having trouble finding owners or finding renters in those apartment buildings. Now, I think we're going to start to see an uptick in single family rental vacancy, because I think a lot of those people who would like to sell their homes are having trouble selling their homes because of how mortgage rates are and how skittish people are about making a commitment to ownership right now, and they're going to alternatively try to rent out those and that will mean more availability of those rentals and not as much pressure on rents to go up in that segment of the market.   Keith Weinhold  31:51   Woe for the builder that targeted young, affluent types, they don't really exist so much anymore. That's really pretty interesting. Well, Darrell, do you have any last thoughts overall about the housing market? Maybe something I didn't think about asking you that's really important, whether that's for an investor or a prospective homeowner.    Daryl Fairweather  32:12   Yeah, I think if I was an investor right now, I would be paying attention to what economists and housing people call the silver tsunami that's older generations starting to sell their homes. We did a study recently that showed that people who are 70 years and above have as much wealth and housing as middle aged people, which is the first time that group has exceeded in terms of the wealth that they hold. And if you're 70 plus, there's definitely a clock ticking on how long you're going to stay in that home, which means that a lot of new inventory will become available in those homes. They probably need work. They probably need some renovations, and that could be a really great opportunity for an investor to buy a home that maybe has been neglected for a while because it's been a senior living in there who hasn't been really keeping it up to date. You can renovate it and perhaps sell it again to a younger buyer by doing some updates and make a nice profit there.    Speaker 3  33:03   Oh, well, Daryl, this has been a great update laced with plenty of practical things that someone can actually do. Do you have a resource you'd like to share in case our audience would like to connect?   Daryl Fairweather  33:16   Yes, you can find me basically on any social media channel. I'd recommend checking you out on YouTube to start. And then if you would like data on what's happening in your local housing market, you can check out the Redfin data center. Just Google Redfin data center, it'll bring you right there. And you can find lots of local data on your market,   Keith Weinhold  33:34   Daryl Fairweather. It's been great having you here on the show.   Daryl Fairweather  33:37    Thank you.   Keith Weinhold  33:44   Yeah, insightful material from Dr Darrell fairweather today, no end to the housing scarcity in sight. She says, rents continue to stay flat, partly due to this accidental landlord. They didn't plan to be a landlord, but they need to move and yet they don't want to sell the single family home that they got with a good owner occupied financing a few years ago. And the reason that's a headwind for single family investors, because it keeps more rental supply on the market. Last week, I touched on how you should not expect rent increases in the near term, I own a lot of single family rentals myself, and I am not getting rent increases. It's not so much that single family vacancies are high now, but apartment building vacancies are high. That fact alone that actually does hurt the single family rental market a little, because even though a renter might desire a single family, and maybe you think, Well, an apartment couldn't compete with that feeling. But yet, if an apartment is so much cheaper than the single family, and they often are now, well then that renter will go for the cheap apartment instead the one. You can think of Redfin is that they're part Zillow, part real estate agent, and part data company, and they can give you early signals on things like buyer demand and price direction and days on market, those types of indicators. So for the latest housing market research and news, you can do a search for the Redfin data center, and then for Daryl, start on YouTube. You can follow her on x at fairweather PhD, thanks to Dr Darrell fairweather today, until next week, I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 5  35:36   Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively to   Keith Weinhold  35:56   the preceding program was brought to you by your home for wealth, building, get richeducation.com  

Jamie and I talked about why struggle is not something to avoid but something to embrace. We got into parenting, confidence, health, balance, and why giving yourself permission matters more than waiting for approval. We discussed what a good life actually looks like, how pressure shapes better people, and why playing the long game across generations is more meaningful than chasing status or shortcuts. This episode is about values, responsibility, and becoming someone your kids can be proud of. 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  

For information about Tessa's upcoming presentation for MAC ASHI on May 2nd, visit: https://www.macashi.org/calendar/274To watch a video version of this podcast, click here: https://youtu.be/KhdZxrBD9mIIn this episode, Reuben Saltzman and Tessa Murry catch up on recent projects, share insights on home inspection practices, and discuss Spectora's sale and its implications for inspectors. They explore lessons learned, industry challenges, and the importance of maintaining integrity in the home inspection field.Here's the link to Inspector Empire Builder: https://www.iebcoaching.com/eventsTakeawaysThe sale of Spectora raises serious questions about data ownership, privacy, and long‑term trust in inspection software.Home inspectors must weigh convenience against control—software choices directly impact business independence.Many industry controversies stem from reactive decisions made “too little, too late,” rather than proactive transparency.Strong building science fundamentals remain critical, regardless of tools or technology used.Simple field rules matter: never walk on a wet wood roof and disable features that introduce unnecessary risk.Exhaust fan performance and installation are often overlooked but have significant moisture and indoor air quality implications.Insurance constraints increasingly shape inspection practices, reports, and risk tolerance.Long‑term success comes from learning openly from mistakes, maintaining professionalism, and protecting inspector credibility.Inspection software will continue evolving, but integrity—not automation—defines quality inspections.Chapters00:00 Podcast Reboot and Busy Lives01:52 Upcoming Conferences and Presentations04:58 Personal Adventures and Family Trips07:32 Home Inspection Insights and Controversies11:39 Insurance and Its Impact on Home Inspections16:51 Lessons Learned from Mistakes23:07 The Structure Tech Difference24:13 The Importance of Exhaust Fans in Home Inspections26:22 Tools and Techniques for Effective Home Inspections27:52 Navigating Changes in Home Inspection Software30:42 The Spectora Controversy: Data Privacy Concerns36:50 Finding Grace in Business Mistakes42:45 The Future of Home Inspection Software

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Send us Fan MailIn this critical episode, Brandon Seigel sits down with healthcare entrepreneur Greg Todd to dissect the "insurance trap" and reveal how healthcare providers can build a powerful authority brand. Discover why relying solely on insurance is a dangerous game and learn actionable strategies to differentiate your practice, monetize your expertise, and create a thriving ecosystem of services. Greg shares his journey and provides a blueprint for shifting your mindset from clinician to influential decision-maker, ultimately empowering you to achieve financial freedom and make a greater impact. Join us to unlock the secrets to a successful and sustainable private practice.  What You'll Learn:The challenges and limitations of the current insurance-driven healthcare model.Why building an authority brand is essential for modern healthcare professionals.How to shift your mindset from a technical clinician to a valuable decision-maker.Practical strategies for diversifying income streams beyond traditional insurance billing.The "dentist model" as a blueprint for packaging and communicating value to patients.The importance of effective communication in building trust and brand authority.How to create an ecosystem of products and services, inspired by companies like Amazon and Netflix.Leveraging insurance as a strategic marketing tool for your practice. Don't just survive in private practice, thrive by building an authority brand that transcends the limitations of traditional healthcare. Embrace the mindset of a decision-maker and create an ecosystem of value for your clients. What will your practice look like when you escape the insurance trap?#PrivatePracticeSurvivalGuide #HealthcareEntrepreneur #AuthorityBrand #InsuranceTrap #GregToddGreg Todd is a husband, father, entrepreneur, and coach dedicated to transforming healthcare professionals' lives. A former physical therapist, Greg turned burnout into a mission to empower others, founding Smart Success Healthcare and generating over $30M in revenue across multiple ventures. He's committed to helping 10,000 providers break free from burnout, build thriving online businesses, and create balanced, purpose-driven lives.https://www.instagram.com/gregtoddpt/https://www.linkedin.com/in/gregtoddpt/Welcome to Private Practice Survival Guide Podcast hosted by Brandon Seigel! Brandon Seigel, President of Wellness Works Management Partners, is an internationally known private practice consultant with over fifteen years of executive leadership experience. Seigel's book "The Private Practice Survival Guide" takes private practice entrepreneurs on a journey to unlocking key strategies for surviving―and thriving―in today's business environment. Now Brandon Seigel goes beyond the book and brings the same great tips, tricks, and anecdotes to improve your private practice in this companion podcast. Get In Touch With MePodcast Website: https://www.privatepracticesurvivalguide.com/LinkedIn: https://www.linkedin.com/in/brandonseigel/Instagram: https://www.instagram.com/brandonseigel/https://wellnessworksmedicalbilling.com/Private Practice Survival Guide BookThis show is proudly produced at PS Studios — learn more https://www.psstudios.co

Brian Botkin, chief underwriting officer at MSIG USA, said that the company's growth has come through a very disciplined underwriting approach and a build-out of its specialty underwriting capabilities.

* Medical marijuana licensing via BudDocs with one visit then telehealth renewals * 7 month renewals handled by email or text with quick online payment * Same day approval and dispensary access * Florida dispensary deals and first time discounts up to about 60 percent * Cannabis products include vapes pills oral and flower * Friday Free Show with Ross and Sam * Battery toy dog from 1985 South Korea later copied by China * Toy barks walks flips now about 20 dollars * IP theft discussion and impact on creators * BDM Appreciation Week and party push * Joke about faking BDM proof with screenshots * Studio banter and system jokes * Weight loss comments and awkward compliments * BDM perks include extra weekly show for 12 plus years * BDM Facebook group low conflict no politics community * Group helps boost posts votes and member causes * Example helping kids contest with mass voting * Joke about multi level kid marketing * Sponsor roll call multiple brands * Sam knee injury jumping off truck hitch * Gender dynamics strong woman vs chivalry * Compliments vs inappropriate comments * HOA conflict setup and chaotic Zoom meetings * HOA fees dues and poor communication * Legal cases and risk of special assessments * Florida condo crisis context and regulations * Extreme assessments trapping owners * Murder in neighborhood discovered after fact * Lawsuit against HOA for negligence and wrongful death * Insurance refusing coverage for violence * HOA lack of transparency and meeting issues * Debate over lighting rules and enforcement * Resident frustration and board hostility * Protest joke ideas and neighbor feud stories * Muppet themed burlesque show at Hourglass Brewing * Burlesque as art comedy and nudity mix * Jury Duty style hidden camera show concept * Dog birthday party culture and social gatherings * Fairvilla Megastore read and product variety * Orlando Science Center new immersive Dome * Dome features large screen audio seating and events * Potential live shows and immersive content * Sailing couple incident in Bahamas investigation * Dinghy explanation and boating terms * Suspicious voicemail and lack of urgency * Alcohol and relationship issues noted * Difficulty proving murder without evidence * Sublime touring with Jakob Nowell debate * Caller with 7000 DVDs and resale struggles * Decline of physical media and nostalgia for extras * LA trip Disneyland and Comedy Store visit * Surprise sets by major comedians * Criticism of LA traffic homelessness and infrastructure * NYC trip plans Broadway shows and Times Square chaos * 9 11 memorial etiquette and enforcement complaints * Malcolm in the Middle revival news * Anime criticism and changing media standards * Everest base camp tourism and insurance scam * Fake medical evacuations for payouts * Vietnam cave travel discussion and risks * Toilet paper debate crumple vs fold * Pest control stories and killing rats * Ethical discomfort with animal killing * Bidet vs toilet paper discussion * BDM event reminders and Uber safety * Membership cancellations and returns * Listener life update sober and doing well * Closing jokes and sign off tone  ### Social Media [https://tomanddan.com](https://tomanddan.com) [https://twitter.com/tomanddanlive](https://twitter.com/tomanddanlive) [https://facebook.com/amediocretime](https://facebook.com/amediocretime) [https://instagram.com/tomanddanlive](https://instagram.com/tomanddanlive) Where to Find the Show Apple Podcasts: [https://podcasts.apple.com/us/podcast/a-mediocre-time/id334142682](https://podcasts.apple.com/us/podcast/a-mediocre-time/id334142682) Google Podcasts: [https://podcasts.google.com/feed/aHR0cHM6Ly9mZWVkLnBvZGJlYW4uY29tL2FtZWRpb2NyZXRpbWUvcG9kY2FzdC54bWw](https://podcasts.google.com/feed/aHR0cHM6Ly9mZWVkLnBvZGJlYW4uY29tL2FtZWRpb2NyZXRpbWUvcG9kY2FzdC54bWw) Tom & Dan on Real Radio 104.1 Apple Podcasts: [https://podcasts.apple.com/us/podcast/a-corporate-time/id975258990](https://podcasts.apple.com/us/podcast/a-corporate-time/id975258990) Google Podcasts: [https://podcasts.google.com/feed/aHR0cHM6Ly9mZWVkLnBvZGJlYW4uY29tL2Fjb3Jwb3JhdGV0aW1lL3BvZGNhc3QueG1s](https://podcasts.google.com/feed/aHR0cHM6Ly9mZWVkLnBvZGJlYW4uY29tL2Fjb3Jwb3JhdGV0aW1lL3BvZGNhc3QueG1s) Exclusive Content [https://tomanddan.com/registration](https://tomanddan.com/registration) Merch [https://tomanddan.myshopify.com/](https://tomanddan.myshopify.com/)

The stranger added to his policy caused his premium to double and he didn't catch it at first because his account was set to autopay. https://www.lehtoslaw.com

You might be overlooking some simple tricks that could save you money on your home, health or auto insurance. Check out these tips for ways you can get money back in your pocket without skimping on coverage.  To support more content like this, become an AARP member at aarp.org. And don't forget to subscribe for more tips and tricks to help make your life a little easier — and happier!

In this episode, we're flipping the script on how financial advisors approach growth and process-building. Instead of chasing perfection or trying to build everything at once, you'll hear why thinking smaller is actually the fastest way to make meaningful progress. If you've ever felt stuck, overwhelmed, or unsure where to start, this conversation will give you a practical and refreshing way forward.In this episode you will learn:Why trying to go from zero to 100 is the biggest mistake advisors make when improving processesHow focusing on small, manageable steps leads to faster and more sustainable progressA simple framework to identify quick wins you can implement in under an hourHow imperfect action consistently beats overplanning and inactionAt the end of the day, building an efficient advisory business doesn't come from doing everything at once. It comes from doing a few things well, consistently, and improving them over time. Start small, stay consistent, and trust the process.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.

Topics Covered: What Environmental Financial Assurance (EFA) is and why it exists The regulatory origins of EFA, including Superfund and CERCLA How contracts and environmental indemnifications can create hidden self‑insurance Why insurance is often the most efficient tool for meeting EFA requirements Common industries impacted by EFA: construction, real estate, mergers and acquisitions, and environmental services Real‑world examples of contracts requesting the wrong environmental coverage Differences between insurance, bonds, letters of credit, escrow, and self‑funding How EFA strategies protect balance sheets, cash flow, and reputation The risks of discovering inadequate coverage only after a claim occurs Why Environmental Strategists focus on education, alignment, and structured EFA planning   Resources from Environmental Risk Managers, Inc.  Focusing exclusively on risk management and insurance professional development, the Risk & Insurance Education Alliance provides a practical advantage at every career stage, positioning our participants and their clients for confidence and success.

This week, we discuss preparing your boat for the upcoming season. www.mvpinsure.us

Majesco Chief Strategy Officer Denise Garth, who is regarded as one of the most influential executives in insurance, has built expertise with leveraging both the analytical and creative sides of her brain for her role at the insurance software developer and also when she guides startups.

At age 12, Dr. Chrystal Starbird stood by a pond after turning her mother in to the police. She watched tadpoles and fish move beneath the surface and found a strange kind of order. Science became her refuge long before it became her career. Years later, she built that refuge into a profession. She now serves as an Assistant Professor at the University of North Carolina, studies structural biology tied to cancer and Alzheimer's disease, and won Cell's first Rising Black Scientist Award in 2020. On paper, she fits the model of success. In practice, she had to fight for basic access at every stage.Conference travel required upfront cash she did not have. Networking favored pedigree over merit. Mentorship often depended on who knew your name in the room. Chrystal learned those rules, then chose to break them open for others.Oliver Bogler examines what Chrystal calls the advocacy tax. She has delivered over 70 invited talks. Nearly 40 percent focus on equity, mentorship, and policy. Academic reward systems do not count that labor toward tenure. She still does it.Through her leadership at the Life Science Editors Foundation, Chrystal helped build the JEDI program, which pairs underrepresented scientists with editors from journals like Cell and Nature. The program has supported over 100 awardees with more than 1,000 hours of mentorship. This episode exposes how biomedical science rewards output while ignoring the work required to make the system accessible. It also shows what happens when the people most affected refuse to step back.RELATED LINKSDr. Chrystal StarbirdStarbird LabLife Science Editors FoundationJEDI ProgramFEEDBACKLike 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.

This Week In Insurance Town, we uncover practical insights and inspiring stories with Chelsea Bell Carpenter as she shares her journey through the insurance industry, mental health strategies, and the importance of intentional living to combat burnout. This conversation empowers listeners to redefine success, build confidence, and prioritize well-being amidst today's fast-paced world.Chelsea's diverse insurance career and lessons learnedRecognizing and managing burnout in a hyper-connected societyStrategies for building confidence and resilienceThe importance of boundaries, alone time, and intentional activities Generational shifts in attitudes toward work, health, and life balance Practical tools to reconnect with yourself and reduce stress In this episode You will also hear...  Chelsea's unexpected journey from insurance rookie to industry leaderHow wildfires and claims transformed her understanding of service and empathyThe true definition of burnout and how to identify its symptomsWhy organizations play a role in employee burnout and how individuals can take controlSimple somatic tools to calm your nervous system during stressful momentsThe cultural shift away from "busy as a badge of honor" toward conscious livingTips for carving out quality family time and developing passions outside of workAddressing fears of AI and automation: embracing technology as an allyThe importance of vulnerability and authentic leadership Timestamps00:00 - Welcome to the episode and introduction of Chelsea Bell Carpenter 06:29 - Wildfires, service, and the human side of insurance claims 16:22 - Developing confidence and overcoming fear of failure 21:59 - Managing stress responses in our technology-driven world 24:29 - Building stronger family and personal boundaries 26:42 - The impact of social media and constant connectivity 34:52 - How to distinguish between stress and burnout 37:14 - Strategies for organization, work-life balance, and hobbies 42:13 - The power of solitude and true rest in a busy society 46:42 - Addressing generational differences and future outlooks on burnout 53:33 - Organizational vs individual responsibility for burnout 55:57 - How to work with Chelsea for consulting, speaking, or events Chelsea Bell Carpenter — Connect and explore coaching and speaking servicesChelseaBellCarpenter.com — Website for programs and contactDerek Streep's Comedic Bit — Humorous take on taking breaks Connect with Chelsea Instagram Twitter LinkedIn Final note:Prioritize your health, set boundaries, and reframe what it means to be successful. Remember, taking time for yourself is not a luxury it's a necessity. You are worthy of space, rest, and peace.Sponsors:Canopy Connect MAV1Fort

Jennifer Kostyrna, director of product management, identity solutions at LexisNexis Risk Solutions, explains how generative AI is rapidly transforming the identity risk landscape for personal lines insurers, enabling more sophisticated and scalable fraud across the policy life cycle.

We’re back for a new series, and we’re excited to welcome business and finance journalist Georgie Frost as our new host. Each month she’ll be joined by an expert panel to unpack the global trends shaping business and what they mean for the insurance industry.  Tell us what topics you’d like to hear on Insurance Tomorrow this year. You can share your thoughts and comments here | https://info.allianz.co.uk/insurance-tomorrow-podcast-survey.html Watch Insurance Tomorrow on Spotify and YouTube | https://www.youtube.com/user/AllianzUK Follow Allianz on: LinkedIn | https://www.linkedin.com/company/allianz-insurance-plc/ YouTube  | https://www.youtube.com/user/AllianzUK Instagram | https://www.instagram.com/allianz_uk/ Facebook  | https://www.facebook.com/allianzinsuranceuk A podcast series by Allianz Insurance produced by Fresh Air Production. Find out more at https://www.allianz.co.uk/brokerSee omnystudio.com/listener for privacy information.

This episode cuts through the marketing fog around “financial advisors,” breaking them into three real categories—brokers, insurance agents, and fiduciary investment advisors—and exposing how incentives, commissions, and murky regulations shape the advice investors receive. Don and Tom highlight the industry's gradual shift away from commissions while warning that titles like “fiduciary” or “CFP” don't guarantee behavior. A listener segment dives into retirement portfolio construction, clarifying misconceptions about bond funds like BND, sequence risk strategies, and the role of safe assets. The episode closes by reframing trendy concepts like “liability matching portfolios” as common-sense planning: keep near-term spending safe and let long-term money grow.0:05 Three types of “financial advisors” and why the title means nothing0:51 Brokers vs RIAs vs insurance agents—what they actually do2:10 Fiduciary confusion and “part-time fiduciaries”3:10 How brokers really operate (transactions, firm-first incentives)6:00 Insurance agents, annuities, and massive hidden commissions7:47 Regulation gaps and misleading “no commission” language8:15 Investment advisors (RIAs) and the fiduciary standard (with caveats)9:42 CFP designation—rigorous, but not a guarantee of behavior10:36 Portfolio reality: “a collection of ideas” vs an actual plan11:50 Industry trend: slow death of commissions and rise of fee-only15:13 Listener: retirement portfolio, glide path, and bond confusion18:15 BND vs Treasuries—risk, diversification, and reality19:59 Sequence risk strategy—lower equities early, increase later21:31 2022 bond drop explained (rates, not failure)23:11 Managing volatility fear—cash buffers vs bond funds24:01 Practical solution: mix of bonds, CDs, and cash28:07 Liability Matching Portfolio (LMP) vs “bucket strategy”31:01 Core takeaway: match short-term needs with safe assets, let rest growQuestions? Comments? Click!

A surprising payroll report The quick war – not over just yet Food inflation coming Economics – a bright spot and surprising report last week Space issues – Space sewage PLUS we are now on Spotify and Amazon Music/Podcasts! Click HERE for Show Notes and Links DHUnplugged is now streaming live - with listener chat. Click on link on the right sidebar. Love the Show? Then how about a Donation? Follow John C. Dvorak on Twitter Follow Andrew Horowitz on Twitter Warm-Up - A surprising payroll report - The quick war - not over just yet - Food inflation coming - Economics - a bright spot and surprising report last week - Space issues - Space sewage - 8PM - End of Civilization? Markets - March sucked - that is the report - 1st quarter results are in - we will discuss - OIL - UP - WTI and Brent rising - its only transitory - Market Manipulation - say it ain't so! Oil - Interesting note that WTI is trading higher than Brent - unusual - WTI ~ $116  Brent ~ $109 - Brent for immediate delivery in Asia $140 as being bid up for purchase NOW - WTI may have an edge because it is available and buyers also stocking up on that... - Europe running out of Jet Fuel - USA sending over a supply - also unusual BUT - 8PM ET - End of Civilization? - Or last minute miracle - with mystery negotiations - Pakistan requesting 2 week pause - with movement of ships through Strait - YES, we have a 2-week pause - no kidding! Crude down 15%, market indices up 2% ---- Wait - Negotiations will start Friday... (Friday?) In Process - In Theory - Framework - OPEC+ agrees in principal theoretical framework to increase output - OPEC+ eight members to raise quotas by 206,000 bpd for May Apple Foldable Flop - Apple shares sunk 2% after reports that the company's foldable iPhones may face delays. - Nikkei Asia reported that the company is facing engineering challenges in what would be the iPhone-maker's first foldable device. - Engineering problems they say.... Closing this Discussion - Bored with this....But... - OpenAI announced it closed its record-breaking funding round at a post-money valuation of $852 billion. - The round totaled $122 billion of committed capital, up from the $110 billion figure that the company previously announced. - OpenAI said it extended participation to investors through bank channels for the first time and raised $3 billion from individual investors. The 1st Quarter Misery - Microsoft lost almost a quarter of its value in the first three months of the year, its steepest quarterly drop since the 2008 financial crisis. - Concerns about the company include the return on investment for artificial intelligence build-outs and the adoption of Copilot. - The company's stock plunged 23% in the first quarter, a steeper drop than any of its tech peers or the Nasdaq, - Microsoft's earnings multiple hasn't been this low since the fourth quarter of 2022, when OpenAI introduced ChatGPT. - SAAS compaies got crushed - Adobe, Atlassian and ServiceNow all down more than 30% YTD - Financials, Consumer Discretionary and Homebuilders had tough quarter 1st Quarter Happiness - Energy Sector up 30% - Materials up 10% - Utilities up 10% - Oil up almost 100% - EM still positive for 2026 Latest Eco - Nonfarm payrolls rose a seasonally adjusted 178,000 in March, a reversal from the 133,000 decline in February and better than the Dow Jones consensus estimate for 59,000. - The unemployment rate edged lower to 4.3%, though that was largely from a sharp reduction in the labor force. - Wages also rose less than expected, with average hourly earnings up just 0.2% for the month and 3.5% from a year ago. The annual increase was the lowest since May 2021. -Health care was responsible for much of the growth, with the sector adding 76,000 jobs. - March ISM Non-Manufacturing Index 54.0% vs. 54.9% Briefing.com consensus; prior 56.1% - - Overall, there is not much going on good or bad - just the same in US Economics ------ Next couple of months will show inflationary pressures Inflation - Tomatoes, strawberries, asparagus, veggies in general are moving higher - - - Tomato prices are rising, with significant increases driven by a 17%–21% tariff on Mexican imports, labor shortages, and supply tightening - Experts warn these factors could increase prices by up to 50% for consumers, especially during winter months, and recent reports indicate continued shortages and high costs through early April 2026 - Florida frost in Q1 and now UREA shortages during spring planing will cause even more problems and pricing pressure (inflationary) No View - Satellite imaging firm Planet Labs said on Saturday it will indefinitely withhold visuals of Iran and the region of conflict in the Middle East to comply with a request from the U.S. government. - Planet Labs will release images only on case-by-case basis for urgent or public interest needs - Satellite imagery of hard-to-reach areas useful for news media, researchers - Other providers like Vantor apply their own controls but were not contacted by U.S. government - Interesting potential for an edge in war if we can see them and they and they can't see us Dems probing stock trades - Two Democratic U.S. senators on Thursday called on Wall Street's top regulator and a Defense Department watchdog to prevent and investigate possible insider trading by government officials following a spate of market activity seemingly timed to President Donald Trump's announcements. - Reuters and others have reported that major moves over the last year in equity, commodities and prediction markets are consistent with the possibility that traders had advance knowledge of Trump's announcements concerning the war with Iran, tariffs and the capture of Venezuelan leader Nicolas Maduro, among other examples. - Repubs only care if Pelosi does trades and Dems only care if Trump related trades The Final Frontier - The Universal Waste Management System toilet on the Orion crew capsule has been giving the Artemis II crew some issues during their mission to the moon. - The toilet's problems included a pump that needed extra water to work and a potential buildup of ice blocking the vent nozzle that allows wastewater to drain out into space. --- For a while there was no urination allowed only space poops since on different disposal systems - NASA was able to fix the issue by positioning the Orion so that the toilet vent would "bake" in the sun and melt the ice, and the crew is now cleared to use the toilet for all purposes. ---More: The UWMS comes equipped with a funnel and hose for urination, and there is a seat with a hole for bowel movements. -------Since the astronauts are in microgravity, the toilet relies on air flow that pulls waste into the toilet and ensures the capsule stays clean. -------------The astronauts can also use footstraps and handles to stay in position. Earnings Season - Analysts have been increasing their earning estimates into the quarter - which is unusual as usually see declines into the prints (so that companies have easier hurdle) - The S&P 500 is expected to deliver 13.2% year-over-year earnings growth, marking a sixth straight quarter of double-digit gains. - Revenue is expected to grow 9.7%, the strongest pace since Q3 2022. - But what about the outlook????????????????? Mag 7 Earnings expectations - Of course The Magnificent 7 remain central to earnings growth and market direction. Nvidia (~127.7%) and Tesla (~124.9%) are driving outsized earnings expansion. Apple (~19.0%) and Microsoft (~17.2%) show solid but more normalized growth. Meta (~3.4%) and Amazon (~3.2%) are slowing, while Alphabet (~-6.9%) is expected to decline. Growth within mega-cap tech is becoming less broad and more concentrated in a few names. Just In - Remember in January with Medicare Advantage and Part D payment plans from governments were being cut? - Insurance company stocks got smacked... - Expectations were for a 4% or so raise and it came in flat - ON DHUNPLUGGED - (1/27/2026) we discussed that this was a game and would come back when finalized inline with expectations  to show how great the benefit is to Medicare recipients (voters) ---- We added United HealthCare (UNH) to the Weekly Stock Pick game as a rare Purple pick - Now, final numbers announced and  are projected to result in a net average increase of 2.48%, or over $13 billion in additional MA payments to plans in CY 2027. This expected increase includes consideration of the various elements that impact MA payments, such as growth rates of underlying costs, 2026 Star Ratings for 2027 quality bonus payments, and risk adjustment updates. - UNH and other names int he sector moving up nicely on the news - (Potential related stocks: UNH, CVS, MCK, CI, HUM, CNC, ALHC, MOH, ELV, THC, UHS, CYH, HCA, OSCR) France Gold - France's central bank has sold off the last of the gold it held in the United States Federal Reserve and replaced it with higher quality bars in Paris, taking advantage of rising prices to make nearly €13 billion as it upgrades its holdings. - Moved all holding back to France   Love the Show? Then how about a Donation? ANNOUNCING THE CLOSEST TO THE PIN for NETGEAR Winners will be getting great stuff like the new "OFFICIAL" DHUnplugged Shirt!     FED AND CRYPTO LIMERICKS   See this week's stock picks HERE Follow John C. Dvorak on Twitter Follow Andrew Horowitz on Twitter

This episode dives into one of the biggest shifts happening in physical therapy right now: the gap between what patients need and what insurance allows.Jimmy, Tony, and Dave break down:• Why most AI solutions in healthcare never make it past pilot phase• How insurance limitations are shaping care delivery• The rise of hybrid and post-rehab fitness models• Why clinical skill is no longer the main differentiator• How communication, sales, and patient buy-in drive outcomesKey Insights:• 95% of AI pilots in healthcare never scale—adoption is the real problem• Insurance caps are forcing clinics to find new care models• Neuro and long-term patients are underserved by traditional PT• Cash-based PT is growing because patients value time and outcomes• Pre/post testing isn't just clinical—it's a sales and trust tool• PTs are trained to “not lose,” but progress requires riskWhy This Matters:If you're a clinic owner, this is about adapting your model before it's forced on you.If you're a staff PT, this is about understanding what actually creates value in today's market.

This new rule on roof insurance just passed on March 18, 2026. You'll want to get ahead because it could significantly impact how you do business.Watch this video to learn what you need to know.SUMMARY:The Federal Housing Financing Agency reversed a previous policy and now permits Fannie Mae and Freddie Mac to accept Actual Cash Value (ACV) roof coverage for single-family homes.This change applies to all new mortgage applications and renewals.In the video I break down:1) What this could mean for homeowners 2) What this could mean for roofers 3) How roofers can adapt their marketing and sales strategies I hope this helps you adapt in today's fast-changing times. P.S. The roofing industry is changing faster than most even realize. Inside the RSRA community, we are sharing what's working and what's not so we can grow through these changes together. Learn more or apply to join us: https://www.rsra.org/join/ =============FREE TRAINING CENTERhttps://adamsfreestuff.com/ FREE ROOFING MARKET REPORT:https://roofmarketreport.com/JOIN THE ROOFING & SOLAR REFORM ALLIANCE (RSRA)https://www.rsra.org/join/ GET MY BOOKhttps://a.co/d/7tsW3Lx GET A ROOFING SALES JOBhttps://secure.rsra.org/find-a-job CONTACTEmail: help@rsra.orgCall/Text: 303-222-7133PODCASTApple Podcasts: https://apple.co/3fSQiev Spotify: https://bit.ly/3eMAqJe Available everywhere else :)FOLLOW ADAM BENSMANhttps://www.facebook.com/adam.bensman/   https://www.facebook.com/RoofStrategist/ https://www.instagram.com/roofstrategist/ https://www.tiktok.com/@roofstrategist https://www.linkedin.com/in/roofstrategist/#roofstrategist #roofsales #d2d  #solar #solarsales #roofing #roofer #canvassing #hail #wind #hurricane #sales #roofclaim #rsra #roofingandsolarreformalliance #reformers #adambensman

What can you do to keep insurance costs down? Mark talks with two experts on severe thunderstorms and the effect on Insurance costs we are all now facing. The Mark Bishop Show: Informative and Factual! Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

Disability insurance mistakes can end a dental career overnightMany dentists assume disability insurance will automatically protect them, yet most never fully understand their policies until a crisis happens. Career ending conditions like hand injuries, back problems, or progressive pain often develop slowly, making timing and preparation critical. The difference between own occupation and any occupation coverage can determine whether benefits are approved or denied. Updating coverage as income grows, choosing individual policies over group plans, and consulting experts early can prevent devastating financial gaps. Insurance companies carefully review claims, monitor activities, and scrutinize timing, so dentists must document medical issues early, follow physician guidance, and avoid waiting until practice sale or severe decline before acting. Proper planning turns disability insurance into true income protection instead of an expensive policy that fails when it matters most.Connect with Randy CurryContact number: 949-258-4381Email: RandyDCurryLaw@gmail.com--------------Looking for financial guidance from a team that truly understands dentistry? Bank of America Practice Solutions has spent over 25 years helping dentists nationwide achieve their goals with customized financing and expert support, whether you are just getting started or growing an established practice.Email dg.connect@bofa.com to connect with a specialist and get personalized financial solutions.--------------Stop feeling overwhelmed by the numbers. ADCPA member firms specialize exclusively in serving dentists to help you achieve financial success. Gain a strategic partner who understands industry benchmarks and overhead management so you can focus on clinical excellence.Find your expert: Visit https://adcpa.org/ to find a trusted dental CPA near you. Your numbers should work as hard as you do.--------------Detect what traditional diagnostics miss. Innerview uses FDA-cleared technology to measure internal tooth mobility, helping you identify cracks and loose restorations earlier before they become emergencies. The result is better treatment planning, fewer surprises, and stronger patient trust, all without disrupting your workflow.Book a demo at https://innerview.ai/ and mention Art Wiederman to receive $250 off.

The pressure building on commercial banks today comes from several directions at once. Corporate treasurers are younger, more digitally native, and less tolerant of manual reconciliation. Business structures are more complex: A franchisee group running fifty locations needs fifty entities managed cleanly, not fifty separate bank accounts generating a month's worth of reconciliation work. And the banking core, the ledger system that underpins it all, was never designed to flex at this pace. The standard prescription for this problem is core replacement. However, banks are increasingly moving toward augmentation. Rather than replacing the core, banks are building around it, layering modern infrastructure above it to deliver capabilities the core was never meant to provide. Huntington National Bank's connected deposits product, built in partnership with payments infrastructure provider Qolo, is one example of that approach in practice. For Deepak Kapoor, Huntington's H ead of Payment Products, the realization was straightforward: "We quickly realized we don't have all the Lego pieces in place to build the card that we want to build, and the ledger and the virtual account provide us with that missing Lego piece that we needed." The result is a virtual account structure that sits above the core and behaves, externally, like a real bank account, complete with routing numbers, inbound wires, and automated reconciliation, without requiring banks to touch the underlying system of record.

Why AI adoption in insurance has shifted from “experimental” to operational Robin Spaulding's career journey and perspective from claims to leadership How Roots uses agentic AI to automate underwriting, claims, and policy servicing Key workflows primed for AI: Claims indexing and first notice of loss Claim summaries and document classification Policy and submission review for complex commercial policies The hidden cost of manual work in claims and underwriting Balancing straight‑through processing with “human in the loop” decision‑making Improving job satisfaction by removing repetitive administrative tasks How better data flow between claims and underwriting improves outcomes Why empathy and human judgment remain critical in claims handling What insurance professionals should focus on to prepare for an AI‑enabled future Focusing exclusively on risk management and insurance professional development, the Risk & Insurance Education Alliance provides a practical advantage at every career stage, positioning our participants and their clients for confidence and success.

“There are parts of the business and finance world that are invested in making these things seem intimidating and scary. We really enjoy making things more approachable.” — Alex MayyasiWhat's the last taboo? The thing that we are totally embarrassed to discuss? No, not sex. It's money. At least according to Alex Mayyasi — frequent contributor to NPR's Planet Money — who has just published Planet Money: How to Live Richer, Spend Smarter, and Afford the Life You Want, a field guide to the big economic forces that shape our working, saving, loving and leisure lives.Mayyasi argues that money is the last taboo. We talk openly (perhaps too openly) about our sex lives now. But we still don't talk about our money lives — not with spouses, not with parents, not with our children. Companies that have tried full salary transparency report uncomfortable conversations about race and gender. Thus the need for Mayyasi's new book. It's not exactly porn, but Planet Money is designed to liberate us from our last taboo. Five Takeaways•       The Economy Was Invented During the Great Depression: If you asked someone a hundred years ago how the economy was doing, you'd get a strange look back. The concept didn't exist. It was the Depression that forced the question — because Roosevelt and his advisers had no way of knowing whether the New Deal was working. An economist was tasked with the Don Quixote-like job of counting every transaction in America to produce a single number: GDP. We have lived inside that number ever since.•       Money Is More Embarrassing Than Sex: We talk freely about sex now. We still don't talk about money — not with spouses, not with parents, not with children. Mayyasi advocates for salary transparency, even though companies that have tried it report uncomfortable conversations about race and gender pay gaps. The discomfort is the point. Maybe we need a Freud of finance to liberate us from the last taboo.•       Financial Time Travel: Markets give us the ability to move money through time — into the future through saving, or from the future to the present through borrowing. Student loans are the most relatable form: young people pulling their future income backwards to fund the human capital they need to earn it. Consumption smoothing across the life cycle is a perfectly valid use of debt, as long as you don't assume the future will be richer than it actually turns out to be.•       Productive Risk Versus Nihilistic Gambling: The GameStop ride looks quaint compared to today's parlay bets on whether a certain word will appear in the State of the Union. Higher risk, higher reward is a continuum, and savvy careers are built on calculated risks. But there is a difference between productive risk — the kind that builds businesses and careers — and the nihilistic flip of a coin. Knowing the difference is half of financial literacy.•       Bobby Bonilla and the Magic of Compound Interest: Bonilla agreed to defer his $6 million Mets salary for decades. Every year, the Mets still send him a cheque for over $1 million, which drives Mets fans insane. It looks bone-headed, but it is exactly how every successful retirement plan works: give up consumption now, let compound interest do its work, enjoy something like $30 million in the future. Bonilla was savvier than his critics. We can all learn from him. About the GuestAlex Mayyasi is a writer and frequent contributor to NPR's Planet Money. His new book, Planet Money: How to Live Richer, Spend Smarter, and Afford the Life You Want, was published this week.References:•       Planet Money: How to Live Richer, Spend Smarter, and Afford the Life You Want by Alex Mayyasi.•       Episode 2863: An Anticapitalist Mutiny — Noam Scheiber on the rise and revolt of the college-educated working class. The other side of Planet Money.About Keen On AmericaNobody asks more awkward questions than the Anglo-American writer and filmmaker Andrew Keen. In Keen On America, Andrew brings his pointed Transatlantic wit to making sense of the United States — hosting daily interviews about the history and future of this now venerable Republic. With nearly 2,800 episodes since the show launched on TechCrunch in 2010, Keen On America is the most prolific intellectual interview show in the history of podcasting.WebsiteSubstackYouTubeApple PodcastsSpotify Chapters:(00:31) - Introduction: things aren't quite right on Planet Money (03:18) - The Great Moderation: a fantastic run that we forgot to celebrate (05:49) - The economy was invented during the Great Depression (07:52) - Aristotle's oikonomia: economics has always been personal (09:20) - The Planet Money DNA: storytelling and the bank teller who met the ATM (13:23) - Why money makes everybody nervous (16:02) - Crypto out, AI in: the great pivot of the writing process (17:49) - Economists and AI: the longer perspective (20:03) - Financial time travel: student loans as moving income through time (22:40) - Productive risk versus nihilistic gambling (24:41) - Does money make you happy? Beyond the $60,000 plateau (27:25) - GDP versus the planet: externalities and corporate DNA (30:15) - More embarrassing than sex: why we can't talk about money (33:19) - Salary transparency: the case of Sweden (41:47) - Bobby Bonilla, the Mets, and the magic of compound interest (45:48) - Insurance as peace of mind  

In this episode of Roofing Road Trips®, host Karen Edwards sits down with Brenda Perkins of Brava Roof Tile to dissect how severe weather is reshaping the way homeowners, contractors and insurers think about roofing. The conversation explores how an increase in hail, high wind and wildfire events are influencing insurance coverage, underwriting and material selection across the country. The discussion breaks down what impact ratings and wind ratings really mean, why insurers pay attention to them and how durability is becoming a larger factor in roofing decisions. Brenda will also examine changing dynamics in high-risk regions like California where fire exposure is affecting insurability. Tune in to learn more about how you can guide homeowners toward roofing systems that protect property while also supporting long-term insurability. Learn more at RoofersCoffeeShop.com!  https://www.rooferscoffeeshop.com/   Are you a contractor looking for resources? Become an R-Club Member today! https://www.rooferscoffeeshop.com/rcs-club-sign-up   Sign up for the Week in Roofing!  https://www.rooferscoffeeshop.com/sign-up   Learn more about Brava Roof Tile here! https://www.rooferscoffeeshop.com/directory/brava-roof-tile Follow Us!   https://www.facebook.com/rooferscoffeeshop/   https://www.linkedin.com/company/rooferscoffeeshop-com   https://x.com/RoofCoffeeShop   https://www.instagram.com/rooferscoffeeshop/   https://www.youtube.com/channel/UCAQTC5U3FL9M-_wcRiEEyvw   https://www.pinterest.com/rcscom/   https://www.tiktok.com/@rooferscoffeeshop   https://www.rooferscoffeeshop.com/rss   #RoofersCoffeeShop #MetalCoffeeShop #AskARoofer #CoatingsCoffeeShop #RoofingProfessionals #RoofingContractors #RoofingIndustry 

The final stages of buying a home can feel like the most exciting (and sometimes the most nerve-wracking!) part of the entire process. But what actually happens between exchange of contracts and completion day? In this episode of our conveyancing series with Napthens Solicitors, Phil and Sarah walk through the final steps that take you from legally committing to the purchase all the way to picking up the keys to your new home. Whether you're buying your first home or your next one, understanding these final stages can help make the last step of your property journey far less stressful. And if you want to find out more about the whole legal process of a property sale, check out our other episodes out now! Enjoyed this video? Want to see more? Subscribe to the channel with the link below. That way, you won't miss any future uploads.

Senior Associate Editor Steve Hallo discusses his BestWire story detailing how The Centers for Medicare and Medicaid Services intends to suspend enrollment in Elevance Health Inc.'s Medicare Advantage Part D over persistent noncompliance with risk-adjustment data reporting rules.

At 19, Jansher Naim went from sharp stomach pain to a Stage 4 fibrolamellar diagnosis that few doctors see and even fewer young adults survive. He pushed through 41 rounds of chemotherapy, a Whipple surgery, and months of isolation while his friends kept moving through normal college life. In the studio, Jansher sits beside his mother Sadia Siddiqui, who refused early defeat and helped overhaul his care team when the first plan offered little optimism. Now a Computer Science student at Columbia, Jansher lives in the uneasy space between remission and risk, managing fertility decisions, travel for ongoing care, and the strange pressure to look fine at 22. Together they describe what it takes to grow up fast inside a system that rarely knows what to do with young adults who refuse to disappear.RELATED LINKSJansher NaimSadia SiddiquiFibroFighters FoundationColumbia UniversityFEEDBACKLike this episode? Rate and review Out of Patients on your favorite podcast platform. For guest suggestions or sponsorship email podcasts@matthewzachary.comSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this episode of Making Risk Flow: Exploring the Ecosystem, host Juan de Castro sits down with Nicolas Zerbib, Co-President and CIO at Stone Point Capital, to unpack how AI is reshaping, not replacing, the insurance brokerage model. Nick explains why retention and complexity remain the strongest defenses against disruption, and how brokers can use AI to improve efficiency without losing their edge. From reducing operating costs to enhancing onboarding and preserving institutional knowledge, AI emerges as a powerful enabler rather than a threat. The conversation also highlights the structural advantages of the broker channel, including regulatory accountability and E&O risk, which AI cannot easily replicate. For brokers and investors alike, this episode offers a clear, tactical playbook for thriving in a rapidly evolving insurance landscape.Fan Mail: Got a challenge digitizing your intake? Share it with us, and we'll unpack solutions from our experience at Cytora.To receive a custom demo from Cytora, click here and use the code 'Making Risk Flow'.Our previous guests include: Bronek Masojada of PPL, Craig Knightly of Inigo, Andrew Horton of QBE Insurance, Simon McGinn of Allianz, Stephane Flaquet of Hiscox, Matthew Grant of InsTech, Paul Brand of Convex, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.Check out the three most downloaded episodes:The Five Pillars of Data Analytics Strategy in Insurance | Craig Knightly, Inigo20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL | Bronek MasojadaImplementing ESG in the Insurance and Underwriting Space | Simon Tighe, Chaucer, and Paul McCarney, Moody's

Insurance is on the front lines of climate risk, and may help shape how we respond to it. --- Insurance is one of the quiet pillars of the modern economy. It underpins where we build, how we invest, and whether communities can recover after disaster. In many ways, it defines what risks we’re willing, and able, to live with. But that foundation is under strain. Across the United States, rising losses from wildfires, floods, and other extreme events are driving up insurance costs and pushing insurers out of some markets. In states like California and Florida, homeowners are finding it harder, and more expensive, to secure coverage. When insurance becomes unavailable, the consequences extend beyond individual households, affecting housing markets, local economies, and community stability. Carolyn Kousky, founder of Insurance for Good and a senior fellow at the Kleinman Center for Energy Policy, explores how climate change is reshaping insurance markets and what that means for the future of risk, investment, and resilience. She explains how insurance doesn’t just respond to risk, but can also influence it by shaping investment in resilient infrastructure, guiding development decisions, and affecting the flow of capital into cleaner energy systems. Carolyn Kousky if a senior fellow with the Kleinman Center for Energy Policy and founder of Insurance for Good. Related Content: Measuring What Matters: Rethinking Energy Insecurity Metrics https://kleinmanenergy.upenn.edu/research/publications/measuring-what-matters-rethinking-energy-insecurity-metrics/ Policy Design Issues for Border Carbon Adjustments https://kleinmanenergy.upenn.edu/research/publications/policy-design-issues-for-border-carbon-adjustments/ Energy Policy Now is produced by The Kleinman Center for Energy Policy at the University of Pennsylvania. For all things energy policy, visit kleinmanenergy.upenn.edu.See omnystudio.com/listener for privacy information.

There are two types of advisors heading into Q2: those stuck in reactive mode, feeling busy but behind, and those who intentionally step back to lead their business forward. In this episode, Libby walks through what it actually looks like to shift into CEO mode by conducting a quarterly business review. Drawing from her own recent CEO retreat, she breaks down simple but powerful ways advisors can step out of the day-to-day, recalibrate their priorities, and make smarter decisions about where to focus next. This is about getting out of the weeds long enough to design a business that actually works for you, not the other way around.In this episode you will learn:How to shift from operator mode into CEO mode and why that shift is the key to scaling your businessA simple framework for conducting a Q1 business review, including how to evaluate goals, identify gaps, and recalibrate for Q2How to use data instead of gut instinct to assess your offers, conversion rates, and overall business performanceHow to identify capacity constraints, reduce operational load, and create more time through delegation, automation, and process improvementsIf you've been feeling busy but not necessarily clear or productive, this episode is your invitation to step back and get intentional. Even a few hours spent thinking like a CEO can dramatically change the trajectory of your next quarter.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.

For two decades, Squarespace has been the platform entrepreneurs turn to when they want to build something that looks like they hired a designer. But over the past few years, something has changed. Squarespace has been building a financial stack. Payments launched in 2023. Capital followed in 2025, offering merchants flexible financing based on their sales history. And just two weeks ago, Squarespace launched Balance, a native business financial account integrated directly with Squarespace Payments, giving merchants a business Visa card, cash rewards, and faster access to their funds, all without leaving the platform. It's a familiar playbook, Shopify has run it, Stripe has run it, but Squarespace is doing it for a specific kind of entrepreneur: the creative, the maker, the small business owner who wants to run their whole business from one place. Today I'm joined by the person architecting that vision. Corey Zettler is Director of Product, Financial Solutions at Squarespace, where he leads strategy across Payments, Capital, and Checkout. Before Squarespace, Corey spent more than 15 years at companies like Shutterstock, MakerBot, and Chief, and before that he was a wealth planner, which means he came into product from the money side, not the tech side, which makes him an interesting person to think about what financial services actually needs to do for real people.

That’s the aim of the Government which wants us ‘to move from a nation of savers, to a nation of investors.” Amber spoke to Minister of State for Financial Services, Credit Unions and Insurance, Robert Troy.

Many Sunbelt markets that once dominated headlines are now facing oversupply, rising expenses, and compressed returns. Meanwhile, much of the Midwest is quietly doing the opposite — holding occupancy, stabilizing rents, and delivering durable cash flow. In this episode, Jeremy Yost, Navy veteran and CEO with over $244M developed across 56 properties and 2,000+ units, shares why his disciplined Midwest strategy continues to perform through volatile market cycles  Jeremy focuses on workforce housing, market-rate multifamily, Litech developments, assisted living, and hospitality — all built around one principle: Execution beats speculation. What We Cover: Why many Sunbelt multifamily deals are struggling today Oversupply, rent flattening, and over-leveraging in hot markets Why Midwest secondary and tertiary markets remain stable The case for "boring" workforce housing What disciplined underwriting actually looks like Why most real estate failures stem from poor execution Lessons from losing financing mid-construction during COVID How persistence secured funding after 302 lender rejections Why Class C Midwest assets still pencil in today's environment Insurance risk vs lending risk in current cycles How Litech (Low-Income Housing Tax Credit) development works Misconceptions about affordable housing and workforce housing Why small-town developments often pre-lease 100% Key Insights Secondary Midwest markets can deliver 10–12%+ cash-on-cash returns Occupancy above 94% across stabilized Midwest assets Workforce housing demand is structural, not speculative Rural communities are often underserved and overlooked Capital protection matters more than chasing upside Jeremy also explains how his Navy background shaped his approach to real estate: No speculation. Only execution. Topics Covered Midwest multifamily investing Workforce housing development Litech tax credit investing Recession-resistant housing Class C multifamily strategy Secondary and tertiary market investing Insurance pressures in multifamily Hospitality development case study Connect with Jeremy Yost Instagram: Jeremy R. Yost Website: https://www.yms-rentals.com Today's episode is brought to you by Green Property Management, managing everything from single family homes to apartment complexes in the West Michigan area. https://www.livegreenlocal.com And RCB & Associates, helping Michigan-based real estate investors and small business owners navigate the complex world of health insurance and medicare benefits. https://www.rcbassociatesllc.com

Are you rolling the dice on your business by operating underinsured, or worse, with the wrong coverage entirely? We've got Michele McGinnis from MiKargo247 back on the show today to explain why cargo insurance is the absolute backbone of a sustainable supply chain! We cover the rising epidemic of cargo theft and why relying on standard carrier policies, which often exclude high-value commodities or driver errors, is a gamble you can't afford to take. Whether you're a freight broker navigating a tightening market or a carrier looking to secure high-value loads into Mexico or Canada, Michele explains how insurtech is leveling the playing field.  We also dive into the benefits of all-risk spot coverage, the critical difference between reefer breakdown and errors and omissions, and how you can protect your margins with instant, per-load insurance certificates. Don't let a single claim bankrupt your operation; it's time to get your coverage dialed in so you can keep moving freight with total confidence!   About Michele McGinnis Michele is the CEO and co-founder of MiKargo247, Insurtech for spot/single trip cargo insurance. Since its launch in 2021, Mikargo247 has solved the capacity concerns for carriers, freight brokers and shippers by providing them the ability to purchase freight insurance in seconds for limits and All-Risk coverage not normally carried. By offering a tool to level the playing field, her customers continue to grow and repeatedly return to the MiKargo247 solution. She has attracted transportation market place partners, Trucker Path, and Loadlink for easy access to MiKargo247 within their platforms. MiKargo247's speed, coverage and service are second to none. Prior to her entrance in the insurance transportation world, she spent over 20 years in the mortgage business on a retail and wholesale level. The skills she developed in customer service and problem solving have parlayed well into her current day to day demands of logistics.   Connect with Michele Website: https://www.mikargo247.com/  Phone: (971) 804-5254  

Private pay versus insurance is one of the biggest decisions therapists face, and honestly, it's also one of the most misunderstood. In this episode, we're breaking down what therapists often get wrong when thinking about these two models. It's not just about money or convenience. It's about how you want to run your practice, who you want to serve, and where you're willing to spend your time and energy. If you've been going back and forth on whether to take insurance, go private pay, or try a hybrid approach, this conversation will help you think about it in a much clearer way. Resources Mentioned In This Episode  Subscribe to YouTube Read the show notes here Watch on YouTube Use the promo code "GORDON" to get 2 months of Therapy Notes free Consulting with Gordon The PsychCraft Network Follow us on Instagram Meet Avivit Fisher Avivit Fisher is a marketing strategist and the founder of REdD Strategy, a boutique consultancy that helps therapists and private practice owners attract private-pay clients through clear positioning, ethical marketing, and sustainable systems. With over a decade of experience in brand strategy and healthcare marketing, she works with clinicians nationwide to build practices that stand out, grow intentionally, and align with their values. The State of Private Pay Therapy Practices REdD Strategy on LinkedIn

Nick Aufenkamp and I dug into the real reasons most entrepreneurs end up overwhelmed, broke, or miserable. We talked about delegation, generational wealth, and why the "boring" businesses often lead to the most freedom. I shared how I built leverage through international hiring, what I look for when choosing a game worth playing, and why long-term stress and sacrifice only make sense if you're chasing the right outcome. This is one of the most honest conversations I've had about work, family, and building a business that actually improves your life. 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