Podcasts about Insurance

Our insurance system is a mess — I felt it, so I shopped alternatives and landed on Knew Health for my family of six. They prioritize prevention (think thermography, chiropractic, gym, and a $200 self-care allowance), offer super-affordable labs through Evexia, and have a clear IUA system that replaces confusing deductibles. If you're tired of paying for coverage you don't use, this episode walks through how Knew Health works, how pre-existing conditions and maternity care are handled, and why their customer service actually feels human. Use code HWH20 for 20% off your first year if you want to try it out — check the cost calculator on knewhealth.com or call them with questions. Knew Health: https://www.knewhealth.com/   ABOUT THE PODCAST & ESTHER: The Health with Hashimoto's podcast will help you explore the root causes of your autoimmune condition and discover holistic solutions to address your Hashimoto's thyroiditis. It is hosted by Esther Yunkin, a registered nurse, holistic health educator, and Hashimoto's warrior.   This podcast is for informational and educational purposes. Please discuss any questions or concerns with your healthcare professional. These statements have not been evaluated by the Food and Drug Administration. Products mentioned are not intended to diagnose, treat, cure or prevent any disease.  

Can't AI get us a Demon Hunters sequel faster? Sarah's still pondering her Winterland outfit. Rumors are swirling that Amy Schumer is leaving her husband now that she's skinny. Billie Eilish has some suggestions for Elon Musk. Ray J is being sued by Kim Kardashian, and now he's counter suing. A survey says live music is the world's favorite way to be entertained. Your favorite massage parlor might be out of business. It's time for Bad Advice! Today Sarah and Vinnie are weighing in on a dirty gnome and a messy inheritance situation. Yikes! Then Vinnie tells us a huge benefit of making it to your mid-80s. Here's how to time your Thanksgiving dinner. Plus, $160K donuts at 2am. AI music is on the rise - can you tell the difference? Morgan Freeman is fighting lawsuits against unauthorized use of his voice. Bob Igor says Disney+ will definitely introduce AI, but it's not what you're picturing. Insurance companies are upping prices to account for Palisades fire payouts - ew. Plus, firefighters have spoken out that the devastating fire could have been prevented altogether. The five most dangerous TikTok challenges. A Game of Thrones editor was tragically killed on an African safari. Tame Impala and Jesse McCartney are in SF this weekend. A fan terrifies Ariana Grande at the ‘Wicked: For Good' premier. Science says AC/DC doesn't rock as hard as Taylor Swift. The weather this weekend might call for a trip to the movies. Bob's recommending ‘Now You See Me, Now You Don't.' A man staged his own car jacking to avoid hanging out with his wife. Welcome to cold and flu season: Here are some tips to make it through. An update on Matty's dating life, and a game Bob is actually qualified to play!

AI music is on the rise - can you tell the difference? Morgan Freeman is fighting lawsuits against unauthorized use of his voice. Bob Igor says Disney+ will definitely introduce AI, but it's not what you're picturing. Insurance companies are upping prices to account for Palisades fire payouts - ew. Plus, firefighters have spoken out that the devastating fire could have been prevented altogether. The five most dangerous TikTok challenges. A Game of Thrones editor was tragically killed on an African safari.

It's one of the most valuable things we have—and one of the easiest to waste. We've all heard the saying, “Time is money.” But if that's true, why do we spend it so carelessly? The truth is, time is worth far more than dollars and cents—it's the most limited resource God has given us. Learning to steward it well isn't just good productivity advice—it's an act of worship.If you've ever said, “I just need a little more time,” you're not alone. Many of us feel the pressure of time slipping through our fingers. Ironically, we often spend our days chasing money, status, or success—only to run out of the very thing we were trying to “buy back.”We treat time like a renewable resource when it's really more like a savings account that's constantly being drawn down. Every hour that passes is one you'll never get back. Yet our culture tempts us to equate our worth with how much we earn or produce.A Biblical View of TimeScripture offers a radically different view. In Psalm 90:12, Moses prays, “Teach us to number our days that we may get a heart of wisdom.” He's not talking about counting hours on a clock but realizing that our time is limited—and therefore deeply valuable.From a biblical perspective, time isn't ours to manage however we wish. It's a gift from God, entrusted to us for His purposes. Just as money and talents belong to Him, so does our time.In Ephesians 5:15–16, Paul writes, “Look carefully then how you walk, not as unwise but as wise, making the best use of the time, because the days are evil.” The original Greek phrase for “making the best use” literally means “redeeming the time”—buying it back for God's glory. It's the same word Paul uses elsewhere to describe what Jesus did for us on the cross.Christ redeemed us from sin and emptiness, giving our lives eternal meaning. In the same way, we're called to redeem our time—to invest every moment, conversation, and decision in what will last forever.Here's the catch: if you don't decide what your time is worth, someone else will. Your job, your phone, your inbox, even social media—all have plans for your time. Unless you set boundaries, your days will fill up with things that seem urgent but aren't truly important.Jesus modeled something completely different. Even with the most important mission in history, He took time to rest, pray, eat with friends, and be fully present with people. He had the margin to be interrupted—to stop for the sick, listen to the hurting, and teach those who were searching. He never rushed, yet He always fulfilled the Father's will.How to Steward Your Time WellSo how can we live as if our time truly belongs to God?1. Reevaluate Your PrioritiesEvery decision is a trade. When you say yes to one thing, you say no to something else. Ask yourself, “What matters most in God's eyes—and am I giving that my best time?”2. Measure Time by Meaning, Not MoneyOur culture values time by dollars per hour, but God's economy works differently. A quiet afternoon encouraging a friend may not pay in cash—but it yields eternal dividends. As Jesus said, “Seek first the kingdom of God and His righteousness, and all these things will be added to you.”3. Build Margin into Your LifeJust as financial margin creates freedom to give, time margin allows you to live generously. When you're not overscheduled, you can pause to listen, serve, or rest. Sabbath isn't wasted time—it's holy time that reminds us that God is in control.4. Steward Small MomentsEternal impact isn't found only in big events. It's in the five minutes you pray for someone, the ten minutes you spend in Scripture, or the conversation that points someone to Jesus. As Colossians 3:17 reminds us, “Whatever you do, in word or deed, do everything in the name of the Lord Jesus.”Making Your Hours Count for EternityWhen you see your time through an eternal lens, every moment takes on new meaning. You stop chasing the clock and start cherishing what truly matters. Missionary C.T. Studd once wrote, “Only one life, 'twill soon be past; only what's done for Christ will last.”So what's your time really worth? It's worth exactly what you invest in eternity.Don't just count your hours—make your hours count. Live intentionally. Rest purposefully. Serve generously. And let every day remind you of the One who holds all time in His hands.On Today's Program, Rob Answers Listener Questions:I have two kids—a 14-year-old and a newborn—and just opened brokerage accounts for them. What are the best investment options, especially for my newborn with a longer time horizon? I'd like something more flexible than a college savings plan.I retired at 59 and receive Social Security disability. My home is paid off, I have no debt, and I have savings in retirement and trading accounts. I'm thinking about buying a new car with cash to avoid debt, but would it be wiser to finance or lease instead?I recently bought an RV with dealership financing at 7.9% for 20 years, though I don't plan to keep it that long. Does simple interest work the same across all banks, and is there a good calculator for figuring out principal payments on early payoff? Also, where could I refinance to get a lower rate?Resources Mentioned:Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner)Calculator.net | Credit Karma (Simple Loan Calculator) | Calculator SoupList of Faith-Based Investment FundsWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode of More Than Commas, Paul is joined by the SFG team for a lively roundtable on a Wall Street Journal article about an 80-year-old couple debating a multi-million dollar Roth conversion. The team dives deep into what the article doesn't say, from tax realities to financial leadership within marriages. Paul highlights the importance of both spouses understanding their family finances, while Cory and Lance warn about the dangers of financial illiteracy in later life. Together, they discuss legacy planning, donor-advised funds, and how generational wealth can be built through intentional Roth strategies and charitable giving. With humor and practical insight, the team reminds listeners that real financial planning isn't about products, it's about stewardship, education, and empowering your loved ones to make wise choices long after you're gone.   -- Timestamps: 02:30 – The 80-year-old couple and the Roth conversion dilemma 05:00 – What "estate planning" really means for most families 07:30 – Financial leadership inside a marriage 10:00 – The risks of financial illiteracy in later years 13:00 – Charitable giving and donor-advised fund strategies 15:30 – Building generational wealth through Roth contributions 18:00 – Closing reflections: teaching stewardship across generations   -- This Material is Intended for General Public Use. By providing this material, we are not undertaking to provide investment advice for any specific individual or situation or to otherwise act in a fiduciary capacity. Please contact one of our financial professionals for guidance and information specific to your individual situation. Sound Financial LLC dba Sound Financial Group is a registered investment adviser. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and, unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance. Insurance products and services are offered and sold through Sound Financial LLC dba Sound Financial Group and individually licensed and appointed agents in all appropriate jurisdictions. This podcast is meant for general informational purposes and is not to be construed as tax, legal, or investment advice. You should consult a financial professional regarding your individual situation. Guest speakers are not affiliated with Sound Financial LLC dba Sound Financial Group unless otherwise stated, and their opinions are their own. Opinions, estimates, forecasts, and statements of financial market trends are based on current market conditions and are subject to change without notice. Past performance is not a guarantee of future results.

Would your P&C agency benefit from nearshore or offshore back-office solutions? Find out more in this episode of Insurance Shoptalk! In this episode, host Eric Stein is joined by guests Mark Stetson and Henderson Watkins from Solvo Global. They share more about Solvo Global and their many services for P&C agencies, like processing certificates, scrubbing accords, forwarding policy information, and handling reinstatements and cancellations. Eric, Mark, and Henderson also delve into the differences between offshore and nearshore service, and how they differ in cost savings, productivity benefits, and more. To learn more about Solvo Global, find them online at www.solvoglobal.com About Insurance Shoptalk Join host Eric Stein on a journey through the dynamic world of commercial property and casualty insurance. With over 25 years of experience in the industry, Eric brings a wealth of knowledge and insights to every episode. Insurance Shoptalk is your premier destination for in-depth discussions on the latest industry trends, technology impacts, interviews with leading experts, and much more. If you enjoyed this episode of Insurance Shoptalk, follow us on our social media pages to learn the latest on commercial insurance industry.

Ever stop to think how one small word can change the entire vibe of your business? In this episode, Libby breaks down why saying “s—--” might be holding you back — and how a simple language shift can transform how clients see your firm and how your team sees themselves.You'll learn how swapping your language builds confidence, strengthens culture, and positions your practice as a cohesive, professional unit.

Send us an email @ info@parentcoachesunleashed.com SummaryIn this episode of Parent Coaches Unleashed, hosts Jessica Anger and Carrie Wiesenfeld welcome school psychologists Laura Tracey and Sheba Abraham to discuss the journey parents face after their child receives a diagnosis, particularly in the context of autism and ADHD. The conversation covers the role of school psychologists, the importance of early intervention, navigating the educational system, and the challenges parents encounter, including insurance issues and communication with schools. The episode emphasizes the need for parental advocacy, self-care, and community support, while also introducing the Growing Forward Collective, a practice aimed at bridging gaps in support for families.TakeawaysParents often feel overwhelmed after a diagnosis.School psychologists play a crucial role in supporting families.Early intervention can significantly impact a child's development.Communication with teachers is essential for understanding a child's needs.Parents should trust their instincts regarding their child's behavior.Self-advocacy skills are important for children with diagnoses.Support groups can provide validation and community for parents.Insurance challenges can hinder access to necessary services.Collaboration with other professionals is key to comprehensive care.Taking care of oneself is vital for effective parenting.To reach Sheeba Abraham or Laura Tracey, email them at connect@growingforwardcollective.com

A Bahamas review of Norwegian Escape. Richard Simms has cruise news. Learning about how travel insurance impacts passengers during air traffic control delays and flight cancellations.

Don and Tom question a surprising Wall Street Journal column arguing that annuities should become the default option in 401(k) plans. They explore why the idea is gaining traction, where the logic breaks down, and how the insurance industry benefits when complexity outpaces understanding. Along the way, they dig into the real shortcomings of annuities—fees, opacity, inflation risk, liquidity traps—and why “guarantees” often mask the true cost. Listener questions follow, covering tax-efficient stock cleanup at Schwab, spouse disagreements over individual stock picking, automatic ETF withdrawals at Vanguard, and building Dimensional portfolios inside Aspire plans. 0:04 Don's rant: “What the world needs now is… more annuities?” 1:20 WSJ's argument: make annuities the 401(k) default 2:05 Why income complexity doesn't justify default annuities 3:01 Do annuities actually solve longevity risk? 3:29 Inflation, joint-life costs, and who really wins 4:20 Insurance industry reputation and the unanswered criticisms 5:15 High fees, opacity, and why mistrust is earned 5:59 Are annuity sales tactics the real barrier? 7:02 Should annuities be in 401(k)s at all? Don vs. Tom 7:36 Why annuities are mostly sold, not bought 9:10 Liquidity traps and major-life-event risks 10:01 Why “plans” matter more than “products” 10:57 Listener questions: why nobody calls anymore 11:14 Q1: Selling a brokerage full of individual stocks at Schwab 12:46 Q1b: How to convince a spouse who loves stock picking 14:21 Indexing vs. anecdotal evidence 16:21 SPIVA data and why active managers lose 17:02 Q2: Can Vanguard automate ETF withdrawals? 19:05 Fractional shares and why purchases are allowed 20:25 Q3: Aspire 403(b) options and DFA overload 23:46 How many DFA funds do you really need? 24:44 Micro-cap risks and portfolio sprawl 25:42 Tom's pumpkin-patch grandkid cameo Learn more about your ad choices. Visit megaphone.fm/adchoices

in this weeks episode I sat down with my good friend Poppy Danker and have a blast talking about this small down agency and how she has just exploded in growth using social media. Yes you heard that right. Its wild to see!! Ive been watching this agency since the beginning from 500 followers to now over 25k followers and viral videos and the whole thing. its so fun. You just gotta hear this one ...sponsored by :Smart Choice Canopy Connect MAV

Send us a textThere are a bunch of free experiences for fans during F1 Las Vegas Grand Prix time in Las Vegas. We chat with MGM about it. We also learn more about the iconic Shoey Bar that will return to Bellagio. Also, the free Neon City Music and Culinary Festival returns to downtown Las Vegas for F1 week. Plus, Leona Lewis has a bunch of Christmas shows at Voltaire over the next couple of months. We attended a preview performance. Calvin Harris will return to XS at Wynn. And, a couple restaurant ideas for Thanksgiving meals! Monsoon damage? Insurance company low-balling you? Call Jonathan Wallner of Galindo Law for a FREE Claim Review at 800-251-1533. If your home was damaged in the California wildfires, Galindo Law may be able to help you get more compensation. Call 800-251-1533 or visit galindolaw.com VegasNearMe App If it's fun to do or see, it's on VegasNearMe. The only app you'll need to navigate Las Vegas. Support the showFollow us on Instagram: @vegas.revealedFollow us on Twitter: @vegasrevealedFollow us on TikTok: @vegas.revealedWebsite: Vegas-Revealed.com

The Future of Insurance Sales is HEREThis is the first and only 24/7 AI-powered sales coaching platform built exclusively for insurance professionals. Book your Demo Here

Many people say our healthcare system is broken—and maybe you've felt that yourself.Rising costs, denied claims, and surprise bills have left millions of Americans buried in medical debt. But there's a better, biblical way to approach healthcare—one that has been serving Christians for more than forty years. Lauren Gajdek joins us today to tell us all about it.Lauren Gajdek is the Senior Director of External Affairs at Christian Healthcare Ministries (CHM), an underwriter of Faith & Finance. Why an “Open Enrollment” Campaign for a Year-Round Ministry?While CHM accepts new members year-round, their Open Enrollment Campaign—running from November 1 through January 15—aligns with the period when most Americans review or change their health coverage through employers or government exchanges.This is the time of year when people are thinking about healthcare decisions. So even though CHM is open year-round, it's an excellent opportunity to shine a light on a biblical alternative.Many Americans have grown frustrated with their healthcare experiences. CHM hears from countless people who've paid premiums for years, only to find that help is unavailable when they need it most.It's disheartening. You think your provider is in-network, but later find out they're not. That leaves patients confused and financially burdened. It's a system that often leaves believers wondering if there's a better way.That sense of frustration has become widespread—especially as over 100 million Americans now carry medical debt, a staggering sign of a broken system.How CHM Differs from InsuranceCHM operates from a radically different model. Rather than paying into a profit-driven system, CHM members share each other's medical expenses—a reflection of biblical community and mutual care.They've been around since 1981 and have shared or satisfied over $13 billion in medical bills. They're a nonprofit ministry that helps Christians live out their faith through practical care.Unlike traditional insurance, CHM members can visit any doctor or hospital they choose—there are no in-network restrictions—as long as the treatment meets the ministry's guidelines.It's simple, affordable, and rooted in biblical stewardship. Members have the freedom and peace of mind that come with knowing they're part of a community that cares.At its core, CHM is not an insurance company—it's a Christ-centered community built on shared values. Members give monthly to help other believers in need. It's an act of faith and stewardship. And for most people, it's far more affordable than traditional plans.This affordability and flexibility are especially appealing for Christians seeking to align their healthcare decisions with their faith and values.Guidance for Those Exploring Their OptionsFor anyone comparing healthcare choices this season, approach the decision prayerfully and with an open mind.You don't have to be trapped in a broken insurance system. There's a proven, Christ-centered way to handle your healthcare. Go to CHMinistries.org/FaithFi to find a cost comparison tool that shows how CHM can make care more affordable.Many in the Faith & Finance audience are retirees or nearing retirement. So it's important to note that CHM also complements Medicare, helping cover eligible expenses Medicare may not cover.It's what they call a ‘complementary' approach, where CHM can help cover costs Medicare doesn't pay, as long as they fall within its guidelines.FaithFi is grateful for CHM's partnership and their ongoing commitment to helping believers steward their healthcare costs wisely. You don't have to settle for a system that's broken. There's a biblical, community-based way to manage your healthcare needs. Learn more at CHMinistries.org/FaithFi.On Today's Program, Rob Answers Listener Questions:A pastor friend of mine was told he owes $13,000 in taxes because his preparer made a mistake. He doesn't have the money to pay for it. Where can he turn for help?I own a small business structured as an LLC, and I'm confused about how to tithe. Should I tithe personally from what I pay myself, from the business profits at year-end, or both?I'm a pastor, and one of my church members is struggling. After his father's death, the estate was liquidated, leaving him without a home. He hasn't filed taxes and now has tax debt. What's the best way for him to address this?I'm looking into a debt management plan and wondering—will it hurt my credit score? And would I still be able to keep one credit card open for emergencies?Resources Mentioned:Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner)Christian Healthcare Ministries (CHM)National Christian Foundation (NCF)Christian Credit CounselorsWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

I have hypothyroidism.  Do I need to be concerned about low ferritin levels?What are the benefits of lower-dose fish oil?Is there a connection between melatonin supplementation and depression?Can I take melatonin while on warfarin?What to do about the state of our healthcare system?

Are children's IQs going down?An overview of medical reversalsCan you comment on the melatonin and heart failure study?Result of a prostate artery embolization

In this uncaged episode of The Long Haul, Adam sits down with Sage — CDL driver, O/O, Landstar agent, broker, and commercial auto insurance pro — to tackle the freight industry's most controversial topics. This one's not safe for the faint of heart. We dig into broker dishonesty, insurance scams, the broker-agent world, O/O pain points, and what never gets talked about in polite circles. No fluff. Real talk. If you're in the business and tired of half-truths, this is your episode. Follow The Long Haul Podcast Other FreightWaves Shows Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of the Less Insurance Dependence Podcast, host Lester De Alwis talks with Dr. Tarun Agarwal about how dentists can take a smarter path with insurance through the hybrid model. Instead of dropping all plans or staying stuck in every PPO, Dr. Agarwal explains how to keep the practice in-network while giving lead doctors the freedom to be selective. He shares how to use supply and demand to guide decisions, why training your team matters, and how to talk with patients about plan changes without losing trust. With years of hands-on experience, Dr. Agarwal gives practical tips that help dentists take back control of their time, fees, and practice growth — without letting insurance run the show. Book your free marketing strategy meeting with Ekwa at your convenience. Plus, at the end of the session, get a free analysis report to find out where your practice stands online. It's our gift to you! https://www.lessinsurancedependence.com/marketing-strategy-meeting/   If you're looking to boost your case acceptance rates and enhance patient communication, you can schedule a Coaching Strategy Meeting with Gary Takacs. With his experience in helping practices thrive, Gary will work with you on personalized coaching, ensuring you and your team are prepared to present treatment plans confidently, offer financing options, and communicate the value of essential dental services. https://www.lessinsurancedependence.com/csm/ 

No doubt you were hired to sell insurance. But did your agency leadership make you FIRST prove that you can prospect to set appointments? I would suspect probably not. And, that's why so many insurance producers fail and don't make it -- or at least why they don't make enough money. They are good at relationship building and closing business, but they just can't set enough appointments. In this throwback episode of the Millionaire Insurance Producer podcast, host ⁠⁠Charles Specht⁠⁠ will talk about what you need to start saying in order to set more new business appointments with your prospects. After all, prospecting is a numbers-game but selling insurance is a relationship-game. Key Topics: The dual careers in insurance: prospecting versus selling insurance. Why poor prospecting skills often lead to failure and how to fix them. The importance of a defined process for setting appointments. Overcoming objections like gatekeepers and timing issues. Crafting simple, relatable messaging to connect with prospects. Balancing numbers in prospecting with relationships in selling insurance. Refining prospecting skills or outsourcing to avoid stagnation. Reach out to  ⁠⁠Charles Specht⁠⁠ Visit: ⁠⁠Permission Network⁠⁠ Produced by ⁠⁠PodSquad.fm

In this listener mailbag episode, SLP grad students, clinicians, and private practice owners call the Minivan Meltdown line to share what's really happening behind the scenes in our field.First, a grad student with a repaired bilateral cleft lip and palate describes a supervisor who told her she “can't be a good SLP” because of her speech difference. Dr. Jeanette Benigas and Preston Lewis, SLP, break down discrimination in training, how CCC standards exclude disabled and Deaf clinicians, and why difference is not disorder.Next, a medical SLP who accidentally dropped her CCC in 2008 shares what happened when she kept her state license and kept working. We talk shame culture, confusion around the CCC, mutual recognition agreements, and why so many CCC “rules” fall apart under scrutiny.Finally, a private practice owner in Kentucky explains how pediatric F-codes (like F80) were treated as “mental health” diagnoses, triggering visit caps, mass denials, and 12–18 month reimbursement delays. We unpack F-code chaos, the Mental Health Parity Act, and why small practices shouldn't be the ones stuck fighting insurers.If you've ever been gaslit by a supervisor, confused by the CCC, or crushed by insurance games, this episode is your reminder: you're not the problem. The system is.Stop paying to track ASHA-approved CEUs. Save your money and set up for a FREE CEU/PDH tracker with Speech Therapy PD. While you are there, get $10 off a professional subscription with the code FixSLP10!

Send us a textWe unpack how gambling wins turn into taxable income even when you net a loss, why Oklahoma's rules are especially harsh, and how marketplace health credits can trigger surprise paybacks. We close with a Texas update on tax-related credits for nonpublic education.Email us at Carson@sandsco.netSupport the showCreate a STAN Store - Click here to try it out!Here's where you can find us! Shop our business guides!Our Instagram PageOur family page

In this episode of Insurance Shoptalk, host Eric Stein sits down with Terry McLean, CEO of SageSure, to discuss how the company has built one of the largest independent property insurance platforms serving catastrophe-exposed markets. Terry shares insights into navigating the hardest property market in decades, managing risk in wildfire and coastal regions, and balancing technology with hands-on underwriting and claims operations. From Florida's ENS market to California's wildfire challenges, this conversation reveals how disciplined underwriting, data-driven modeling, and long-term relationships with agents help SageSure thrive where others retreat. Tune in for a candid look at the future of homeowners insurance, reinsurance cycles, and what agents can do to succeed in high-risk markets. About Insurance Shoptalk Join host Eric Stein on a journey through the dynamic world of commercial property and casualty insurance. With over 25 years of experience in the industry, Eric brings a wealth of knowledge and insights to every episode. Insurance Shoptalk is your premier destination for in-depth discussions on the latest industry trends, technology impacts, interviews with leading experts, and much more. To learn more about Insurance Shoptalk, please visit https://insuranceshoptalk.com/ If you enjoyed this episode of Insurance Shoptalk, please like and subscribe, and be sure to click the notification bell to catch the next episode.

Send Vanessa a Text MessageListener Discount: Try out your first 3 months with CrowdHealth for $99/month:Check out CrowdHealthUse code VANESSA upon signup In today's episode, I'm first sharing a short personal update on my own experience after officially ditching traditional health insurance earlier this year — and then revisiting one of my favorite past conversations with CrowdHealth founder, Andy Schoonover.If you've ever wondered how crowd-based healthcare actually works, what happens when something big comes up, or how it compares to the insurance system most of us are used to, this episode gives you a clear, honest look.We discuss:How CrowdHealth works and why it's built so differentlyThe flaws of traditional health insurance that keep you bound What makes crowd-funding such a smart and freeing alternative to standard health insuranceFinancial savings and comparisonsWhy this approach puts real care and decision-making back into your hands Follow CrowdHealth on Instagram: @joincrowdhealthConnect with the show:Podcast Website: intentionallywellpodcast.comSupport the Podcast: Support the Intentionally Well PodcastRecommended Product Page:Visit my recommended product pageSocial Media:Podcast on InstagramVanessa on InstagramPodcast on YouTubePodcast on TikTokPodcast on XEmail: intentionallywellpodcast@gmail.comSupport the showThis episode is for informational purposes only. Please consult a trusted health practitioner for individual concerns.

Born into family committed to public service, Dan Driehaus has been civically involved since birth. He continues to serve his community on Wyoming City Council, in addition to non-profit boards, public boards and through his own children's activities and schools. ​Dan earned his B.A. in Public Administration from Miami University in 1994. Following graduation, Dan served as the Volunteer Coordinator of the Joel Hyatt for Senate Campaign, based in Cleveland, Ohio. Following the campaign, Dan began his insurance career at Cincinnati Insurance Company, where he served as a commercial underwriter. As an insurance agent, from 1998 to 2012, Dan built a client list consisting of public entities, school systems, civic organizations, commercial accounts, non-profit entities & personal lines accounts. Since 2012, Dan has started his own firm, Driehaus Insurance Group. The insurance agency profession lends itself to community involvement. Dan enjoys serving with community members on several boards & civic organizations.​From 2014 to 2019, Dan served on the Cincinnati Planning Commission, eventually serving as Board Chair. During his tenure, Dan presided over 142 Planning Commission meetings, approved 23 updated community plans and hundreds of development projects, including Cincinnati Children's Hospital Expansion, the Anthem Walnut Hills Mixed-Use Development, Uptown Gateway Project and much more - as envisioned by residents and planning professionals.​From 2013 to 2018, Dan served on the board of Cincinnatus. From 2013 to present, Dan has served on the board, and eventually chaired, the Cincinnati Area Senior Services. Dan is also proud to serve as the Immediate Past Board Chair for Meals on Wheels of Southwest Ohio & Northern Kentucky, a Board Member of the Southwest Ohio Regional Transit Authority (SORTA), the Chair of the Cincinnati Fire Museum, Chair of the Cincinnati Junior Rowing Club, and is a member of the Leadership Cincinnati Class 45.​As a member of Wyoming City Council, Dan serves on the Planning Commission, the Community Improvement Corporation, and is Wyoming's representative on the Ohio, Kentucky, and Indiana Regional Council of Governments.

Insurance companies are evolving faster than most private practices realize — and not in your favor. The system is quietly shifting the burden onto physicians, creating financial strain and administrative chaos behind the scenes. In this episode, Zed Williamson speaks with Olga Khabinskay, Director of Operations at WCH Service Bureau and board member of the Healthcare Business Management Association, to pull back the curtain on what's really happening inside the insurance ecosystem — and what practices can do to protect themselves. If you feel like you're constantly battling insurance with no end in sight, this episode reframes the issue entirely. You are not powerless — you just need the right strategies to reclaim control. Olga Khabinskay: https://www.linkedin.com/in/olga-khabinskay-04803410  WCH Service Bureau: https://wchsb.com/ Physician Growth Accelerator: https://www.physiciangrowthaccelerator.com/

In this episode, Lindsay Hanson, CMO at John Hancock and Global Head of Behavioral Insurance Strategy at Manulife, invites us to take a closer look at the Longevity Preparedness Index — a groundbreaking framework designed to help financial professionals and individuals take a more holistic approach to aging.Why you should tune in:See the full picture: The report covers health, care, housing, social connection, and more.Spot planning gaps: Low scores in care, housing, and health reveal where better preparation is needed.Start meaningful conversations: Use the insights to talk about tough topics like caregiving and life transitions.Stand out: Position yourself as a longevity partner, not just a financial advisor.INTENDED FOR FINANCIAL PROFESSIONAL USE ONLY. NOT INTENDED FOR USE WITH THE GENERAL PUBLIC. Insurance products are issued by: John Hancock Life Insurance Company (U.S.A.), Boston, MA 02116 (not licensed in New York) and John Hancock Life Insurance Company of New York, Valhalla, NY 10595.MLINY110425893-2

Lightning and surge are often linked with electronics failures, but other perils might be playing a role. Alpine Intel Executive Vice President of Specialty Assessments Paul Whitmore and Alpine Intel's Strategic Sales Development Manager Chris Tomlinson rejoin Alpine Intel Sales Operations Manager Chris Nichols on The Savvy Adjuster Podcast to discuss other causes of loss that lead to electrical equipment failures.Discussed in This Episode Water damage to electronicsWeather-related perilsWhat to do when policyholders report the cause of loss as “unknown”Additional Resources Alpine Intel Resource Page: https://bit.ly/4qOGNlDStrikeCheck: https://bit.ly/47RiryKAdditional Electronics Resources:Guide: Water Damage to Electronics: https://bit.ly/3XnCf88Article: StrikeCheck Electrical System Assessment Tools of the Trade: https://bit.ly/3WPFEMMGuide: Weather Impacts to Electronics Claims: https://bit.ly/47M9OWb

Understanding life insurance and annuities is essential for making informed and beneficial financial decisions when moving to America. These financial products differ significantly between the UK and the US. Decades ago, the process of getting insured in the US was much simpler, with far fewer options than there are today.  In this episode of We're The Brits In America, Richard Taylor - dual UK/US citizen and Chartered Financial Planner, and Mark Maurer - President and CEO of LLIS, discuss the complexities of insurance and annuity products in the United States that often take expatriates by surprise when they're cross-border financial planning.  Richard and Mark take a detailed look at:  The key differences between UK and US insurance products, and the nuances of the American market.  The pros and cons of different policy types and how they fit into broader financial strategies.  Indexed Universal Life (IUL) policies, their features, and why they may not always be the best investment option.  The different types of annuities, common misconceptions, and when they might be appropriate for investors.  The potential downsides of tax deferral and how taxation works with annuities.  Income riders on annuities, their benefits, and the cost implications of these add-ons.  More about We're The Brits In America:  With the right financial advice, landmines that threaten expat wealth can be avoided. Often encountered by US-connected expats, these financial landmines are more numerous, more hazardous, and less understood than almost anywhere else in the world. As a result, non-cross border professionals, wealth advisors, and even international advisors are often unaware of them. But don't worry, We're The Brits In America has you covered.  We're The Brits In America is dedicated to helping ambitious US-connected expats and immigrants navigate those challenges — and thrive. Whether you've moved to the US  for opportunity, or are an American seeking adventure and growth abroad, our job is to equip you with the tools and insights you need to succeed.  If you're enjoying the show, please consider leaving a 5-star rating and review to help the mission, which is to help expats and immigrants thrive in America. Visit planfirstwealth.com to learn more about our services and connect with Richard Taylor on LinkedIn.  --  We're The Brits In America is affiliated with Plan First Wealth LLC, an SEC registered investment advisor. The views and opinions expressed in this program are those of the speakers and do not necessarily reflect the views or positions of Plan First Wealth.  Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Plan First Wealth does not provide any tax and/or legal advice and strongly recommends that listeners seek their own advice in these areas. 

Topic: Beyond Health Insurance - Supplemental coverage, Life insurance as a financial foundation, Retirement income planning and Social Security optimization.Our Sponsors:* Check out Secret Nature and use my code ZANE for a great deal: https://secretnature.com* Check out Uncommon Goods: https://uncommongoods.com/zaneSupport this podcast at — https://redcircle.com/the-eric-zane-show-podcast/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

EPISODE DESCRIPTION:Libby Amber Shayo didn't just survive the pandemic—she branded it. Armed with a bun, a New York accent, and enough generational trauma to sell out a two-drink-minimum crowd, she turned her Jewish mom impressions into the viral sensation known as Sheryl Cohen. What started as one-off TikToks became a career in full technicolor: stand-up, sketch, podcasting, and Jewish community building.We covered everything. Jew camp lore. COVID courtship. Hannah Montana. Holocaust comedy. Dating app postmortems. And the raw, relentless grief that comes with being Jewish online in 2025. Libby's alter ego lets her say the quiet parts out loud, but the real Libby? She's got receipts, range, and a righteous sense of purpose.If you're burnt out on algorithm-friendly “influencers,” meet a creator who actually stands for something. She doesn't flinch. She doesn't filter. And she damn well earned her platform.This is the most Jewish episode I've ever recorded. And yes, there will be guilt.RELATED LINKSLibby's Website: https://libbyambershayo.comInstagram: https://www.instagram.com/libbyambershayoTikTok: https://www.tiktok.com/@libbyambershayoLinkedIn: https://www.linkedin.com/in/libby-walkerSchmuckboys Podcast: https://jewishjournal.com/podcasts/schmuckboysForbes Feature: Modern Mrs. Maisel Vibes https://www.forbes.com/sites/joshweissMedium Profile: https://medium.com/@libbyambershayoFEEDBACKLike this episode? Rate and review Out of Patients on your favorite podcast platform.For guest suggestions or sponsorship, email podcast@matthewzachary.com.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Fan Mail: Got a challenge digitizing your intake? Share it with us, and we'll unpack solutions from our experience at Cytora.In this episode of Making Risk Flow, Juan de Castro sits down with Mark Allan, CEO of Ki Insurance, to explore how a digital-first, data-led approach is transforming underwriting in the London market. Mark shares how Ki combines algorithmic precision with human expertise to underwrite individual risks at unprecedented speed, while maintaining portfolio-level oversight.This episode explores Ki's mission-driven culture, the challenges of blending technology and insurance talent, and how partnerships with brokers and carriers are amplifying the impact of their platform. From building a billion-dollar business to enabling a more seamless, data-driven flow of risk, Mark explains how Ki is reshaping the ecosystem and setting a new standard for efficiency, collaboration, and innovation in insurance.To receive a custom demo from Cytora, click here and use the code 'Making Risk Flow'.Our previous guests include: Bronek Masojada of PPL, Craig Knightly of Inigo, Andrew Horton of QBE Insurance, Simon McGinn of Allianz, Stephane Flaquet of Hiscox, Matthew Grant of InsTech, Paul Brand of Convex, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.Check out the three most downloaded episodes: The Five Pillars of Data Analytics Strategy in Insurance | Craig Knightly, Inigo 20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL | Bronek Masojada Implementing ESG in the Insurance and Underwriting Space | Simon Tighe, Chaucer, and Paul McCarney, Moody's

Wall Street just took over your retirement, Private equity firms now control insurers, annuities, even 401(k)s and they're using your money to gamble on risky loans. Don't wait for the crash, protect your future now.Questions on Protecting Your Wealth with Gold & Silver? Schedule a Strategy Call Here ➡️ https://calendly.com/itmtrading/podcastor Call 866-349-3310

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

Jason Cass sits down with Dana Coates, CEO and Director of Strategic Partnerships at UWIB Risk & Insurance Solutions, for an Executive Session recorded live at Accelerate to discuss mentorship, generational leadership, and the importance of letting new leaders grow through experience. Together, they explore how patience, trust, and lifelong learning shape success in the insurance industry. Key Topics: Transitioning agency ownership and leadership to the next generation Mentoring younger leaders through patience, trust, and restraint Lessons from building UWIB across multiple states and generations The importance of allowing others to learn through mistakes and challenges Balancing family, faith, and professional growth through leadership change The evolving role of mentorship in shaping agency culture and vision How resilience and lived experience create lasting impact in leadership Maintaining a lifelong learning mindset through every stage of a career Humanizing executives and preserving authenticity in leadership transitions Reach out to: Dana Coates Jason Cass Visit Website: UWIB Risk & Insurance Solutions Agency Intelligence Produced by PodSquad.fm

In this episode of The Efficient Advisor, Libby sits down with Jen, a powerhouse financial advisor and mom of four who has tripled her revenue in just three years—all while working only three days a week. Jen shares the mindset shifts, systems, and team-building strategies that allowed her to scale her practice with confidence and ease. This conversation is packed with real, actionable advice for advisors who want to grow their businesses without burning out.In this episode, you'll learn:How Jen defined her niche and specialized in serving pre-retirees and widowed women to grow her practice faster.The key systems and templates that freed her time while improving client service and consistency.Why hiring the right team members—even when it's scary—is essential to scaling sustainably.How creating a “model week” transformed her time management and family balance.The importance of investing in coaching, continued learning, and accountability to reach new levels of success.As Libby and Jen reflect on their years of coaching together, they show what's possible when you put in the work, trust the process, and build your business intentionally. You'll walk away inspired to simplify, systematize, and scale—while still having time for the people and things you love most.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.

In this episode of the Dental Boardroom Podcast, host Wes Read, CPA and financial advisor at Practice CFO, sits down with Howard Farran, founder of Dentaltown and one of the most influential thought leaders in the dental industry. Together, they explore the evolution of dentistry from emerging AI technology to the rise of DSOs, the challenges new grads face, and the skills needed to thrive in today's rapidly shifting landscape. This episode delivers raw insights, bold perspectives, and practical lessons for dentists at every stage of their careers.Key PointsAI & the Future of DentistryAI is transforming dentistry at historic speed—comparable to the rise of the internet.Dentaltown is building AI tools to unlock insights from 10+ million dental conversations.AI won't replace dentists but dentists who adopt AI will replace those who don't.Example: Robotics like Yomi are enhancing implant surgery, not eliminating the surgeon.The Real DSO LandscapeNot all DSOs are massive corporate chains.The real competition for private practices? Local 4–9 location DSOs scaling smartly across small regions.These local groups win by leveraging:Shared marketingCentralized operationsBetter purchasing powerStructured systemsAdvice for Young DentistsStudent debt is real, but so are lifestyle choices that amplify it.Early career focus should be:Clinical reps and speedLearning practice systemsStrong mentorshipThe best first job is one that teaches:Business operationsFull-scope clinical carePatient flow and case acceptanceThe Competitive Edge for Private PracticePatients choose loyalty, trust, and relationships.Private practices win when they deliver:Consistency in careStable teamsReal human connectionHigh staff and doctor turnover in corporate settings creates opportunities for private offices to stand out.Know Your Numbers With the Right AdvisorA general accountant isn't enough in dentistry.Dentists need advisors who understand:PPO strategyOverhead benchmarksPractice-specific financial planningGrowth vs. profitabilitySpecialized financial guidance is a competitive advantage.Insurance is Not the Whole MarketHalf of patients don't have dental insurance.Present multiple treatment paths:Basic → Mid-tier → Ideal careNever assume what a patient can or can't afford—let them choose.Who Should Listen?✔ New dentists navigating debt and career choices ✔ Private practice owners competing with DSOs ✔ Clinicians curious about AI adoption ✔ Anyone wanting unfiltered industry truth

Svetlana Zavelskaya, Head of Software Engineering for Data Platform and Infrastructure at Quanata, joins the show to unpack what it really takes to make the “impossible” possible in tech. From re-architecting a startup codebase to scaling innovation inside an insurance giant, she shares how her team turns complex R&D challenges into production-ready systems. This conversation dives deep into engineering discipline, AI tool adoption, and why the next wave of insurance innovation is powered by data and software.Key Takeaways• Real innovation often means balancing speed with long-term architecture decisions• AI coding tools are valuable for exploration but need governance and clear security guardrails• POCs fail when expectations aren't aligned, not because the tech doesn't work• Insurance tech is evolving fast through telematics and context-based data models• Well-structured, well-documented code is still the foundation for scalable innovationTimestamped Highlights00:33 How telematics is changing the economics of insurance and rewarding better drivers03:59 Cars as software platforms and what that means for data privacy and innovation06:02 The growing pains of re-architecting an organically built startup codebase08:38 Evaluating new AI tools and maintaining data security across teams11:08 Why most AI POCs never make it to production16:29 How Quanata's R&D work feeds into State Farm's larger technology initiatives20:40 Safe-driving challenges, behavioral change, and saving lives with dataA Thought That Stuck“If we can prevent just 1 percent of drivers in the world from using their phone behind the wheel, imagine how many lives we can save.”Pro Tips• Before starting a POC, define if it's an experiment or a potential product foundation• Let engineers explore new tools but build frameworks to govern how data and results are handledCall to ActionIf you enjoy exploring how data, AI, and engineering innovation come together to solve real-world problems, follow The Tech Trek on Apple Podcasts or Spotify and share this episode with a colleague who builds at the edge of what's possible.

Fortify & NAD+ Glutathione antioxidant: http://Fortifystore.com/awk ——— VETERANS DAY 20% off sale: https://shop.andweknow.com/ ———— Protect your investments with And We Know http://andweknow.com/gold Or call 720-605-3900, Tell them “LT” sent you. ————————— AT sea with LT. 2026. Caribbean: https://www.inspirationtravel.com/event/lt-caribbean-cruise-2026 ————————— ➜ 50% off Rumble Premium annual: https://rumble.com/premium/LT ➜ Our AWK Website: https://www.andweknow.com/ ➜ AWK Shirts and gifts: https://shop.andweknow.com/ ------- A two-minute refresher on the architect of Obamacare, Jonathan Gruber! https://x.com/kerpen/status/1987696697779036621?s=20 "It's horrible health insurance at a really high price," says  @POTUS on Obamacare. https://x.com/RapidResponse47/status/1988037559315034197?s=20 Assistant Attorney General Harmeet Dhillon  @AAGDhillon confirmed 75k independent voters in Chester County PA were not included on the poll book Tuesday.   https://x.com/C__Herridge/status/1987729715415716011?s=20 —————— *DONATIONS SITE: https://bit.ly/2Lgdrh5 *Mail your gift to: And We Know 30650 Rancho California Rd STE D406-123 (or D406-126) Temecula, CA 92591 ➜ AWK Shirts and gifts: https://shop.andweknow.com/ ➜ Audio Bible https://www.biblegateway.com/audio/mclean/kjv/1John.3.16 Connect with us in the following ways: + DISCORD Fellows: https://discord.gg/kMt8R2FC4z

Your mental health matters - and knowing your benefits is the first step toward getting the right care and support. In this episode of Under the Coverage, we break down common mental health benefits, including therapy coverage, Employee Assistance Programs (EAPs), and what to expect when accessing care through your workplace. We also share resources for immediate support: -Visit 988lifeline.org or call/text 988 to connect with the Suicide and Crisis Lifeline. -Explore tools and links at samhsa.gov or call 1-800-622-HELP (4357). -Learn more at mhanational.org from Mental Health America. -Contact the National Alliance on Mental Illness (NAMI) at 1-800-950-NAMI (6264) or visit nami.org/help

Recorded live at the 2025 IRMI Emmett J Vaughan Agribusiness Conference (AgriCon) Central in Des Moines, this 9-minute episode of The Edge of Risk podcast by IRMI features a Snap Talk with Marnye Langer, president and CEO of The Langer Group. Ms. Langer gives us a sneak preview of what's in store for you at the 2026 AgriCon, August 31–September 2, in Nashville, Tennessee. Horse insurance is becoming increasingly complicated. Luckily, we have experts like Ms. Langer to keep us informed about changes.

Most agency owners love selling, but dread accounting. Shane and Tonya tackle the side of agency ownership that doesn't always come naturally to sales-driven entrepreneurs, and break down the basics that turn chaos into clarity. Learn how clean financials protect your agency's value, when to bring in a CPA, and why consistent review (not fancy software) is the real key to building a lasting asset.Learn more at IntegraPartnerNetwork.com.

Confused about why your Medicare Part B premium is higher? Discover how IRMAA (Income-Related Monthly Adjustment Amount) impacts your Medicare costs and what federal employees and retirees can do about higher premiums. This video covers:What is IRMAA and why it matters for Medicare Part B & DHow taxes affect your Medicare premiums and retirement budgetPlanning strategies for federal retirees, including FERS, TSP, Social SecurityReal-world tips on managing healthcare costs and avoiding surprises

This week, Dominique is joined by Dr. Evan Garfein, Chief of Plastic Surgery at Montefiore Medical Center and Professor of Surgery at the Albert Einstein College of Medicine. Together, they dive into one of the most important and often overlooked conversations in women's health: breast cancer, mastectomy, identity, and the power of choice in reconstruction.Dr. Garfein has dedicated his career to helping women restore both their bodies and confidence after breast cancer. With more than 60 peer-reviewed publications, three biomedical patents, and nearly a decade named in New York Magazine's Best Doctors, he is not only a surgeon but an advocate. He helped author a New York State law requiring doctors to inform women of their right to reconstruction, a crucial step toward bridging healthcare inequality.In this episode, Dominique and Dr. Garfein discuss:What inspired him to leave cardiac surgery and dedicate his life to breast reconstructionHow reconstruction has evolved from early muscle-flap techniques to modern options like implants and DIEP flapsThe emotional impact of mastectomy and why reconstruction is about more than appearanceThe critical importance of timing, radiation, and why women must speak to a plastic surgeon early in their diagnosisThe hidden inequality in breast cancer care, and his fight to make reconstruction information and access a legal right for all womenClarifying implant safety, longevity, and the truth behind breast implant illness and removal trendsFor more on Dr. Garfein, follow him on:Instagram: https://www.instagram.com/drevangarfein/?hl=en Website: https://evangarfeinmd.com/ LinkedIn: https://www.linkedin.com/in/evan-garfein-md-mba-800ba03/ This episode is brought to you by:Ritual: My listeners get early access to their Black Friday sale with 40% off your first month at Ritual.com/OVER50 Honeylove: Save 20% at honeylove.com/OVER50Clean Simple Eats: Visit https://glnk.io/73q00/dominique and use code FLOURISHING20 at checkout for 20% off your first orderRidge Wallet: Head to Ridge.com to get up to 47% off your order.Timeline Nutrition: Head to timeline.com/flourishing to get 20% off your order. Revolve: Shop at Revolve.com/FLOURISHING and use code FLOURISHING for 15% off your first order. #REVOLVEpartnerHollow Socks: Hollow Socks is having a Buy 3, Get 3 Free Sale. Head to Hollowsocks.com today for up to 50% off your order.Keep in Touch:Website: ⁠⁠⁠⁠⁠⁠⁠https://dominiquesachse.tv/⁠⁠⁠⁠⁠⁠⁠Book: ⁠⁠⁠⁠⁠⁠⁠https://dominiquesachse.tv/book/Insta: ⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/dominiquesachse/Facebook: ⁠⁠⁠⁠⁠⁠⁠https://www.facebook.com/DominiqueSachse/TikTok: ⁠⁠⁠⁠⁠⁠⁠https://www.tiktok.com/@dominiquesachse?lang=enYouTube: ⁠⁠⁠⁠⁠⁠⁠https://www.youtube.com/@dominiquesachsetvHave a question for Dominique? Submit it here for a chance to have it answered on the show! https://forms.gle/MpTeWN1oKN8t18pm6 Interested in being featured as a guest? Please email ⁠⁠⁠⁠⁠⁠⁠courtney@dominiquesachse.tv⁠⁠⁠⁠⁠⁠⁠ We want to make the podcast even better. Help us learn how we can: ⁠⁠⁠⁠⁠⁠⁠https://bit.ly/2EcYbu4⁠⁠⁠⁠⁠⁠⁠Please note that this episode may contain paid endorsements and advertisements for products and services. Individuals on the show may have a direct or indirect financial interest in products or services referred to in this episode.Produced by Dear Media.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

A wild week of chaos, surprises, and a few things we probably shouldn't say out loud... allegedly. Thank you for being part of this crowd!00:00 - Start04:24 - The unexpected crash07:21 - Insurance shock18:59 - A new family member36:24 - HOA drama unfolds50:20 - The cat controversy54:01 - #AllegedlyReddit- Our Subreddit: https://www.reddit.com/r/FivesACrowd- Our Account: https://www.reddit.com/user/FivesACrowdPodcastFollow Our Personal AccountsAustin - https://allmylinks.com/austinspomerCam - https://www.instagram.com/effinburch/Chris - https://www.instagram.com/thechrishummel/Tony - https://www.instagram.com/theonlytonyc/Zach - https://www.instagram.com/zvanbeekum/Hashtags#JoinTheCrowd #HitTheBell #PodcastP.O. Box**Please no packages, letters only**Five's A Crowd Podcast1123 N Fairfield Rd #1373 Layton, UT 84041

Live Interview With Erik Holt: Integrity Under Fire   Today, we're sitting down with Erik Holt, a former Fire Chief who stood his ground when faced with corruption, and paid the price for refusing to compromise his oath.   This isn't just a story about a job. It's about integrity in the face of retaliation, and the personal cost of choosing what's right over what's easy.  

Are you covered for what you actually do today—not what you did last year? We walk through our annual insurance review. We cover the "must-haves", when bonding makes sense, and why non-owned auto and business property matter once you add staff or an office. We also explain what petsitting business insurance does not cover—and how workers' comp and personal health insurance fit in. Finally, we share practical risk-management habits and the customer-service "intangibles" we expect from any insurer. Main topics: Core coverage essentials Care, custody & control Non-owned auto protection Workers' comp vs. health Risk management habits Main takeaway: "Insurance is not about fear. It's about good stewardship of the pets, of the homes, and the trust that the clients place in us." We build our business on trust, which means planning for real-world moments—not pretending they won't happen. The right coverage protects pets, homes, neighbors, employees, and yes, you. It also lets us say to clients with confidence: if something goes wrong, we have a plan and a policy. That's professional care, not hobby care—and it's why our annual insurance checkup matters. Links: Check out our Starter Packs See all of our discounts! Check out ProTrainings Code: CPR-petsitterconfessional for 10% off

Show Notes: Samora Wolokolie talks about his dual roles as a CPA and attorney in Monrovia, Liberia. Samora lists his credentials: chartered accountant, certified public accountant, certified forensic investigation professional, certified fraud examiner, certified tax practitioner, and lawyer, and  details his academic background. He is also an associate professor at the University of Liberia where he teaches all levels of accounting. Samora also teaches at other universities and holds degrees from  Cuttington University, and Chariot University. He talks about his career path, including working with Deloitte in 2000, then moved to PKF Liberia and Baker Tilly, where he qualified as a chartered accountant in 2014.  Serving as Liberia's Deputy Minister of Finance for Fiscal Affairs Samora served as Liberia's Deputy Minister of Finance for Fiscal Affairs from 2018 to 2024, managing the national budget and growing it from $600 million to $800 million. When asked about the major sources of revenue for the Liberian government, Samora explains that over 80% of the government budget comes from domestic revenue, with the rest from donors like the IMF, World Bank, and European Union. He details the importance of conducting audits and meeting benchmarks to access external resources, and shares a few examples of how this works. Samora discusses his role in developing revenue policies and regulations, focusing on domestic resource mobilization to grow the budget to $1 billion. He highlights the challenges and strategies needed to achieve this goal, including tax policies and revenue measures. He goes on to explain the structure of the companies he currently works for, his roles there, and how it focuses on both accounting and legal issues.  Major Industries and Economic Potential in Liberia The conversation turns to the main industries in Liberia. Samora describes Liberia as an input-driven economy with significant potential in mining, forestry, and infrastructure development. He mentions the mining sector's potential, including gold, iron ore, and diamonds, and the involvement of companies like ArcelorMittal. Samora also discusses the forestry sector's potential, including logs and the Kimberley Process. He emphasizes the government's efforts in infrastructure development, particularly road construction and building maintenance. He goes on to talk about investment potential and licensing, shipping, and exporting. Consulting and Legal Processes in Liberia  Samora talks about the process of hiring independent consultants in Liberia. He advises talking to an attorney and a CPA. He recommends checking with the Liberian Institute of Certified Public Accountants and the Liberian National Bar Association for licensed professionals. Samora explains the distinction between attorneys and counselors at law in Liberia, and recommends dealing with firms to ensure coverage through professional liability and insurance coverage. He goes into detail on the importance of following processes and doing due diligence and background checks when hiring consultants.  Taxation and Labor Law Considerations for Foreign Companies Focusing on the tax implications for foreign companies hiring consultants in Liberia, Samora explains the withholding tax rates for resident and non-resident taxpayers, including the 10% and 15% rates for ordinary companies and the 6% rate for mining operations. He clarifies the concept of resident and non-resident status based on the number of days spent in Liberia. Samora discusses the importance of understanding labor law considerations, including contracts, occupational health and safety, and long-term employment. He also explains the tax brackets and Social Security tax obligations for foreign companies, employees and independent contractors, in addition to labour laws and health and safety laws in Liberia. Insurance Requirements for Firms in Liberia. Samora advises firms to have professional liability insurance to cover potential transgressions. He emphasizes the importance of ensuring payments pass through formal financial institutions to avoid money laundering issues. Samora suggests using bank-to-bank wire transfers or prepaid cards for payments to consultants, and he reiterates the importance of due diligence and background checks when hiring consultants in Liberia. Timestamps: 04:11: Revenue Sources and Management in Liberia  09:38: Major Industries and Economic Potential  20:04: Consulting and Legal Processes in Liberia  27:08: Taxation and Labor Law Considerations 36:50: Insurance and Payment Methods  Links: LinkedIn: https://www.linkedin.com/in/atty-samora-p-z-wolokolie-ph-d-cfe-ca-cpa-fcfip-l-l-b-67315438/ Alliance CPA Inc:  https://alliancecpainc.com/ TORCH Professional Consultancy Inc:  https://topcinc.com/   Unleashed is produced by Umbrex, which has a mission of connecting independent management consultants with one another, creating opportunities for members to meet, build relationships, and share lessons learned. Learn more at www.umbrex.com.  

Blending a family takes grace—and so does blending your finances.When couples merge families, they're also merging priorities, habits, and sometimes, financial baggage. Ron Deal joins us today to show us that with honesty and a shared vision, what begins as a challenge can become a source of strength for blended families navigating both money and marriage.Ron Deal is a bestselling author, licensed marriage & family therapist, podcaster, and popular conference speaker who specializes in marriage enrichment and stepfamily education and is the co-author of The Smart Stepfamily Guide to Financial Planning: Money Management Before and After You Blend a Family. Why Honest Money Conversations MatterThere once was a man who, when his girlfriend thought he was about to propose, surprised her by asking for her credit report instead. It's a funny story—but one that reveals a serious truth. Beneath money conversations are usually heart conversations.For couples forming blended families, this truth runs even deeper. Life has already taught them that marriage isn't guaranteed, whether because of death or a divorce. That experience creates an understandable sense of caution: How deeply do I invest again? Can I trust this new relationship?Money becomes the testing ground for those questions. That's why avoiding financial conversations doesn't protect your relationship—it weakens it. Only about one in four dating or engaged couples forming a blended family ever have a serious talk about finances before they marry. The rest often underestimate what needs to be uncovered.Finances are never just about dollars and cents. They're about values, power, and security. Beneath a discussion about budgets might be an unspoken fear: Will your children be treated equally with mine? Beneath a talk about wills might be a hidden worry: Will you care for my kids if I'm gone?There was once a woman who had been remarried for 25 years—two and a half decades of life together—and she still wondered whether her husband would provide equally for her children after she passed away. The question had never been resolved. It lingered from the past, quietly shaping their relationship.When those unspoken fears remain unaddressed, they create invisible walls. Healthy couples have the courage to name them and work through them together.The Challenge of Inheritance and TrustConsider the story of Sandra and Dave, a couple who married later in life. Sandra, a divorced mother of two adult children, was asked by her new husband, Dave, to change her will and make him her sole beneficiary. To Dave, who had no children of his own, the request seemed simple and loving: We're one now—just leave everything to me, and I'll take care of your family.But Sandra hesitated. Her adult children hadn't had time to form a close bond with Dave. For her, the request stirred deep questions: How do I know that what she's set aside for her children will be honored after she's gone?This is where trust, loyalty, and belonging intersect. Financial peace in a blended family isn't achieved through documents—it's achieved through relational clarity. You can't solve financial questions until you've addressed the relational ones.Moving from Prenuptial to TogethernessSo what's the alternative? In the book, The Smart Stepfamily Guide to Financial Planning: Money Management Before and After You Blend a Family, Ron Deal, Greg Pettis, and David Edwards, introduce what they call a “Togetherness Agreement.”Think of it as a redeemed version of a prenuptial agreement. A traditional prenup is something you do to your spouse—it outlines what they won't receive if the marriage fails. But a Togetherness Agreement is something you do for your spouse. It outlines how you will lovingly and intentionally provide for one another and your families.In a Togetherness Agreement, couples prayerfully decide together:How do they care for children from prior relationshipsHow inherited or premarital assets will be handledHow responsibilities to other households or parents will be honoredAnd how they'll support one another financially in love and unityIt's not about dividing assets—it's about uniting hearts. This process builds emotional safety, which in turn builds trust. When couples feel safe, they can finally exhale, knowing they are truly invested in each other.Taking Inventory—Emotionally and FinanciallyBefore crafting any agreement, couples need to take inventory. That means both emotional and financial reflection.Ask questions like:What financial baggage or debts are we bringing in?What past wounds or fears still shape the way we view money?What are our goals—for our family, our faith, and our future?Blended families are always born out of loss—whether death, divorce, or something else. That history doesn't have to define the new relationship, but it does need to be acknowledged. Honest reflection helps couples avoid repeating old patterns and build a healthier foundation together.Every couple's situation is different, but here are key topics that should be covered in a Togetherness Agreement:Joint and separate accountsDebt and financial obligations from prior marriagesChild or spousal support payments to other householdsRetirement, insurance, and investmentsCollege, cars, and other child-related expensesCovering these topics doesn't weaken love—it strengthens it. It replaces assumptions with clarity and fear with peace.If all of this feels overwhelming, take heart. You don't have to figure it out alone. Seek wise counsel—a trusted financial planner, pastor, or Certified Kingdom Advisor (CKA) can help you find creative and God-honoring ways to care for your family.And above all, remember this: God's grace is sufficient for your blended family. Submit your plans to Him. Let Him guide the process. As you do, He will grow you—not only in financial wisdom, but in love, unity, and faith.When couples move from mine and yours to ours, they begin to reflect the very heart of God, who makes two one, and who calls us to love generously, even in the way we handle money.On Today's Program, Rob Answers Listener Questions:I've been struggling with $26,000 in credit card debt that I recently disclosed to my husband. A credit consolidation company says they can negotiate it down, so I'd pay $400 every two weeks and be debt-free in four years. It sounds good, but is this a trustworthy option—or are there drawbacks I should watch out for?I have UTMA accounts for my two sons, but I am considering switching to 529 plans. I'm mainly concerned that with the UTMA, they'll gain full control of the money once they come of age. Would a 529 plan be a wiser choice?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)The Smart Stepfamily Guide to Financial Planning: Money Management Before and After You Blend a Family by Ron L. Deal. Greg S. Pettys and David O. EdwardsChristian Credit CounselorsWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode of Insurance Shoptalk, host Eric Stein of Insured Solutions speaks with Bob Butts of Alternative Comp Solutions (ACS) about Ohio's newly approved Alternative Employer Organization (AEO) program—an innovative alternative to the state's traditional Bureau of Workers' Compensation system. They discuss how this new model allows agents to finally earn commissions on workers' comp, helps employers save 20–30% on premiums, introduces a convenient pay-as-you-go billing structure, and simplifies claims management. The conversation also explores how AEOs differ from PEOs, what agents need to know about the AC3 form and quoting process, and why this change opens major opportunities for agencies across Ohio. About Insurance Shoptalk: Join host Eric Stein on a journey through the dynamic world of commercial property and casualty insurance. With over 25 years of experience in the industry, Eric brings a wealth of knowledge and insights to every episode. Insurance Shoptalk is your premier destination for in-depth discussions on the latest industry trends, technology impacts, interviews with leading experts, and much more. To learn more about Insurance Shoptalk, please visit https://insuranceshoptalk.com/ If you enjoyed this episode of Insurance Shoptalk, please like and subscribe, and be sure to click the notification bell to catch the next episode.