Podcasts about Insurance

In this episode, Lisa welcomes Brian Blase, President of Paragon Health Institute, to break down the evolving state of Obamacare and what enhanced subsidies mean for the future of healthcare in the United States. The conversation explores the growing irony of the Affordable Care Act, the difficulty of reforming an increasingly complex system, and the rising concerns around fraud, abuse, and government-driven cost inflation. Blase examines why premiums remain high, how subsidies distort the market, and what real solutions could rein in spending while improving patient care. The Truth with Lisa Boothe is part of the Clay Travis & Buck Sexton Podcast Network. See omnystudio.com/listener for privacy information.

Learn what the ultra wealthy do to write off cash flowing assets and take advantage of the 100% bonus depreciation. In this masterclass you'll understand the dos and don'ts of advanced tax planning, asset depreciation, and see first hand case studies of entrepreneurs and business owners who are taking advantage of these strategies.0:00 - Intro1:07 - Who is Michael Williams?6:01 - The Three Steps to Tax Efficiency8:46 - Who are these Tax Strategies for?11:29 - Prioritizing Low-Hanging Fruit First13:14 - What is Depreciation for Tax Write-Offs?15:50 - Finding the Right Assets for Bonus Depreciation 19:58 - Two Main Risks: Tax Risk and Economic Risk23:54 - Passive vs. Active Income24:58 - Strategies for Writing Off Against Active Income26:56 - Structuring a Trader Business27:43 - Risk of IRS Audits31:21 - Tax Arbitrage32:59 - Understanding the Economic Risk34:02 - Differentiating the Strategies from Real Estate37:55 - Case Study Walkthrough with GPUs40:17 - Turning $150K Investment into $1M Write-Off 43:00 - Recapturing Cash on Residual Value as Ordinary Income45:58 - Cash-on-Cash Return Targets48:12 - After-Tax Return on Investments51:16 - GPUs Residual Value52:20 - Pulling Assets Out of the Revenue Pool53:14 - Services and Fees (Maintenance, Insurance)54:02 - Debt Payment Responsibility55:00 - Tax Implications of Debt Service57:41 - Final AdviceJoin the Tax and Assets Community: https://taxandassets.comConnect with Michael & His Team: Email - michael@trusttpc.comWebsite - https://www.trusttpc.com/Want Us to Review Your Current Tax Strategy Before the End of the Year? Click Here: https://betterwealth.com/tax______________________________________________ Learn More About BetterWealth: https://betterwealth.com====================DISCLAIMER: https://bttr.ly/aapolicy*This video is for entertainment purposes only and is not financial or legal advice.Financial Advice Disclaimer: All content on this channel is for education, discussion, and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of the information on this channel. Neither host nor guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

In this conversation, Stephan Livera and Kevin Loaec discuss the challenges and advancements in self-custody and multi-signature (multisig) wallets for businesses. They explore the reasons why many businesses are hesitant to adopt self-custody, including regulatory constraints and the current limitations of available tools. The discussion highlights the evolution of multisig, the risks associated with centralized custodians, and the introduction of Liana Business as a tailored solution for businesses looking to implement multi-sig setups. They also dive into the importance of defining roles within a multisig framework, the mechanisms for recovery, and the future of recovery paths in Bitcoin. Kevin also shares various aspects of Bitcoin custody, focusing on time locks, key management, and the importance of recovery pathways for businesses. He emphasizes the need for user-friendly solutions that mitigate risks associated with key loss and the complexities of managing multiple wallets. The discussion also touches on the role of insurance in Bitcoin custody, the potential threats posed by large custodians, and the challenges of maintaining privacy while reusing keys across different setups. Takeaways:

A company is launching balloons which carry AI-robots that photograph property from above, primarily for businesses like insurance companies, that want to look at your property from above. https://www.lehtoslaw.com

Send us a textTen days of rodeo action starts now! Las Vegas is hosting NFR again and we have so much going on. There's entertainment, activations, experiences, food and hat pop-ups and more. We talk with Tracy Renk from the Professional Rodeo Cowboys Association.Monsoon damage? Insurance company low-balling you? Call Jonathan Wallner of Galindo Law for a FREE Claim Review at 800-251-1533. 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

Ameren Missouri's new rates for data centers are now in effect. But a consumer advocacy group is asking for a redo. St. Louis Public Radio's Kate Grumke explains the case and the latest updates. Plus, Midwest seniors have two options for Medicare coverage– traditional Medicare through the government, or a private Medicare Advantage plan. While Advantage plans cost less up front, experts say seniors could pay the price with their health.

In today's episode, we'll discuss: Year-end processing doesn't have to feel like an annual stress cycle. In this episode, you'll learn five simple strategies to make December smoother, more predictable, and far less overwhelming

Speed is winning deals, but speed is also feeding fraud. We sit down with CRC Specialty Professional Lines Broker Mark Waldeck to unpack the messy middle where e‑signatures, legacy policy language, and decentralized bank controls collide. From the difference between a simple e‑signature and a cryptographically protected digital signature to why underwriters hesitate when controls vary by department, we map the risk pathways that turn convenience into claims friction.We examine a headline‑grabbing fraud where a bank funded a multimillion‑dollar loan to an impersonator despite notary involvement and remote verification. The dispute with the insurer highlights a wider issue: policy forms born in the era of signature cards are being stretched to cover today's remote closings, and the gaps show up at the worst time. If you work with financial institutions, you'll get a practical checklist to help ensure your banking clients are protected, from enforcing MFA and encryption to tightening scrutiny as transaction size grows. Tune in to understand how small cracks in verification can become multimillion-dollar failures—and what you can do right now to help clients stay ahead of emerging fraud risks. Visit REDYIndex.com for critical pricing analysis and a snapshot of the marketplace. Do you want to take your career to the next level? Join #TeamCRC to get access to best-in-class tools, data, exclusive programs, and more! Send your resume to resumes@crcgroup.com today!

On this episode of the Scouting For Growth podcast, Sabine VdL talks to Andrei Craciunescu, founder and CEO or RiskCube about why the next generation of insurance will be built like software; adaptive, transparent, and embedded into every business platform. They also talk about how AI and data are transforming the role of the broker from middleman to intelligent orchestrator, and what the insurance experience of 2030 could look like when protection becomes invisible and trust becomes the new currency. KEY TAKEAWAYS What companies want from the insurance market is fast underwriting, not to talk with humans so much any more, especially startups, they want a quote in minutes not months. This is how we got into the segment where we offer business insurance for startups – mainly venture backed startups. There are some providers that already offer what we are doing, but there is no comparison. Every founder needs to go to every insurance company separately and ask for a quote, which often vary a lot – sometimes 40% difference between quotes. They spend a lot of time investigating these quotes which is expensive and hard to understand. RiskCube is an AI insurance agency for startups where founders can buy and manage insurance online. We looked at what an agency traditionally does; they have different processes in place like application for insurance, renewal, cancellation and claims. We tried to map out all these processes to see which can be done by AI agents. AI cannot solve the whole insurance value chain, but we see a huge adoption on the claims and applications processes. Generally, most founders don't really care which insurance company they're with, they care that they have somebody that really understand them as a customer. We want startups to come to us because they trust the system which provides a fast experience that works for them. It's not very complicated, what we do for them at the beginning, we provide a smooth process where we can say they have high, medium or low risk then evaluate different quotes for them. BEST MOMENTS  ‘Everybody's pushing on the AI front, but the insurance market is also evaluating if it's really necessary, it's not all in which is impressive.'  ‘We build the firm first and then embedded the technology inside the firm, this will make us defensible in the future because we will own the data in our agency and use it to train our own model.' ‘People are using a lot of AI nowadays, but nobody really understands where the data is going or hosted.' ‘Insurance companies tend to adapt AI for themselves, not for the whole market. We want to bring them all together in one channel.' ABOUT THE GUEST Andrei Craciunescu is redefining risk management with RiskCube, an AI-powered platform revolutionising insurance by streamlining risk assessments, accelerating quote processes, and providing real-time insights to help businesses secure coverage faster and smarter. LinkedIn ABOUT THE HOST Sabine is a corporate strategist turned entrepreneur. She is the CEO and Managing Partner of Alchemy Crew a venture lab that accelerates the curation, validation, & commercialization of new tech business models. Sabine is renowned within the insurance sector for building some of the most renowned tech startup accelerators around the world working with over 30 corporate insurers, accelerated over 100 startup ventures. Sabine is the co-editor of the bestseller The INSURTECH Book, a top 50 Women in Tech, a FinTech and InsurTech Influencer, an investor & multi-award winner. Twitter LinkedIn Instagram Facebook  TikTok Email Website This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.co.uk/

Episode 5 of Standard Deviation with Oliver Bogler on the Out of Patients podcast feed pulls you straight into the story of Dr Ethan Moitra, a psychologist who fights for LGBTQ mental health while the system throws every obstacle it can find at him.Ethan built a study that tracked how COVID 19 tore through an already vulnerable community. He secured an NIH grant. He built a team. He reached 180 participants. Then he opened an email on a Saturday and learned that Washington had erased his work with one sentence about taxpayer priorities. The funding vanished. The timeline collapsed. His team scattered. Participants who trusted him sat in limbo.A federal court eventually forced the government to reinstate the grant, but the damage stayed baked into the process. Ethan had to push through months of paperwork while his university kept the original deadline as if the shutdown had not happened. The system handed him a win that felt like a warning.I brought Ethan on because his story shows how politics reaches into science and punishes the people who serve communities already carrying too much trauma. His honesty lands hard because he names the fear now spreading across academia and how young scientists question whether they can afford to care about the wrong population.You will hear what this ordeal did to him, what it cost his team, and why he refuses to walk away.RELATED LINKSFaculty PageNIH Grant DetailsScientific PresentationBoston Globe CoverageFEEDBACKLike 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 weeks episode I sit down with Dylan Dimarchi of Eventual to talk about A product that is super cool 

Send us a textProp Comedian Carrot Top celebrates 20 years at the Luxor! We talk to him about it. Plus, a few holiday pop-up attractions and bars you may want to check out in December. We head to the annual "Miracle on Spring Mountain" at the Sand Dollar Lounge. We also check out the Oasis Ice Rink at Fontainebleau. Did you know there's free admission? We also tell you about a new restaurant that opened at Neonopolis on Fremont. It's also open late! And, there's a new Thai restaurant in the same plaza as The Golden Steer. Weera Thai opened its 5th location. NFR is back in town. There are all sorts of events and concerts happening for 10 days. 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

In this episode, Paul sits down with estate planning attorney Derek Wayne Jensen to demystify what estate planning really involves and why it's far more than drafting a simple will. Derek explains how planning evolves over a lifetime, beginning with young adults choosing beneficiaries, through major life milestones, to complex multi-generational legacy planning. They explore the biggest misconceptions, including the belief that estate planning is "one and done," and discuss why outdated beneficiary designations routinely undermine even the best plans. Derek also highlights triggers that should prompt a review: health scares, major purchases, business exits, new children or grandchildren, and significant increases in wealth. The conversation ends with practical guidance for high earners, business owners, and anyone whose documents are more than five years old. -- About Derek: Derek W. Jensen, JD, LLM, is a tax attorney and the founder of the North Seattle law firm, Jensen Estate Law, to assist individuals and their families with complex issues surrounding federal income tax, state and federal estate tax, estate law, business law, elder law and asset protection. Derek is a trusted advisor, with over 25 years of experience helping clients achieve their estate and tax planning goals. He makes it his priority to listen and mold documents for each unique case that happens upon him, while addressing all concerns his clients may have. Podcast: Who Gets What on Apple, Spotify, Amazon, Youtube, and RSS Instagram: @ jensenestatelaw Facebook: Jensen Estate Law X (Twitter): @ JensenEstateLaw   -- Timestamps: 01:11 – What estate planning really is (beyond wills and trusts) 02:15 – Why planning starts with young adults and evolves over life 03:37 – Biggest misconception: estate planning is "one and done" 05:05 – When to DIY vs. when to hire an attorney 06:29 – Why beneficiary designations often override your will 09:47 – Estate tax thresholds and the "life-stage" planning framework 13:00 – Essential documents every adult should have (POA, healthcare directives)   -- 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.

402-521-3080In this podcast episode, Stephanie Olson introduces the conversation with Dylan Yeomans from United Insurance Agency, sharing insights and experiences in the insurance industry.TakeawaysStephanie Olson hosts a podcast with Dylan Yeomans.The conversation revolves around the insurance industry.Dylan Yeomans shares his experiences at United Insurance Agency.The podcast aims to engage listeners with informative content.Listeners can expect valuable insights from the discussion.The introduction sets a positive tone for the episode.Dylan's expertise in insurance is highlighted.The podcast format allows for an engaging dialogue.Stephanie expresses her enjoyment of the recording process.The episode serves as an introduction to the insurance field.Chapters00:00 Introduction to the Podcast00:49 Engaging with Dylan Yeomans01:05 Overview of United Insurance AgencySupport the showEveryone has resilience, but what does that mean, and how do we use it in life and leadership? Join Stephanie Olson, an expert in resiliency and trauma, every week as she talks to other experts living lives of resilience. Stephanie also shares her own stories of addictions, disordered eating, domestic and sexual violence, abandonment, and trauma, and shares the everyday struggles and joys of everyday life. As a wife, mom, and CEO she gives commentaries and, sometimes, a few rants to shed light on what makes a person resilient. So, if you have experienced adversity in life in any way and want to learn how to better lead your family, your workplace, and, well, your life, this podcast is for you!https://setmefreeproject.net https://www.stephanieolson.com/

Hiring contractors is hard enough… hiring them out of state can feel terrifying.In this value-packed episode of Cashflow Positive, Kenny sits down with Jen Josey, real estate investor, coach, mastermind leader, and construction expert, to break down exactly how to find, vet, manage, and protect yourself when working with contractors in markets where you don't live.Jen shares the six critical documents every investor should use, the insider process for finding investor-friendly contractors (hint: it's not Google), how to structure payment schedules that protect your budget, and the legal tools that saved her from a lawsuit.If you plan to renovate a property outside your local market, this conversation may literally save you thousands.Timestamped Highlights[00:00] Meet guest Jen Josey and her path from teacher → corporate → real estate[00:01:20] How Jen replaced her corporate income in 8 months[00:01:55] What Jen is working on today: coaching, STRs, investing, and running multiple companies[00:03:00] Current STR portfolio: beach condo, Boone cabin, and plans for a micro-resort[00:05:00] What Jen looks for: smaller STRs, pet-friendly, waterfront, couples-focused[00:06:25] How she evaluates markets in NC, VA, and SC[00:08:10] Kenny's lead-in to contractor horror stories and out-of-state projects[00:09:00] Jen's #1 starting point: investor Facebook groups (and how to post correctly)[00:09:45] Step 2: local REIAs (why they matter and what quality they attract)[00:10:40] Window replacement sticker shock: a real example ($7K for three windows)[00:12:00] Never pay large deposits upfront—and what to do instead[00:12:45] The exact six critical documents every investor should use[00:13:35] The “lien waiver” that saved Jen from being sued[00:14:10] The contract: deadlines, penalties, warranties, and holding contractors accountable[00:15:40] Insurance + indemnification: adding yourself to a contractor's policy[00:16:20] Building your scope of work from the inspection report[00:16:55] Paying your inspector to verify contractor work[00:17:40] The proper way to structure a payment schedule (why the final payment is the largest)[00:18:55] W-9 requirements for anyone paid over $600[00:19:20] Contractors who refuse to sign contracts—why you should walk away[00:20:05] Kenny's theater room story and how a missing change order cost him[00:21:55] How to prevent “death by $500 change orders”[00:23:15] How hard money lenders help enforce accountability[00:24:00] What makes someone an investor-friendly contractor[00:27:00] Jen's secret weapon: “pimping out” contractors to keep prices low[00:29:00] Code of Conduct on job sites (English + Spanish)[00:33:00] The two most important people on your STR team: cleaners + handyman[00:34:25] Paying your handyman well to secure long-term loyalty[00:35:00] Jen's final tip for cash flowing positive: deliver unforgettable guest experiences[00:37:00] Why theme ≠ experience (Kenny's Taylor Swift pillow story)[00:39:20] Where to follow Jen and how to get her contractor documentsAbout the GuestJen Josey is a real estate investor, coach, podcaster, and founder of the Real Estate Investor Growth Network (REIGN). After leaving her corporate job, Jen built a diverse portfolio across long-term rentals, short-term rentals, flips, and new construction. She runs multiple companies under the Joli brand, including construction, brokerage, and investment arms, and coaches investors nationwide on buying and renovating out of state.She is also the host of the Real Estate Investor Growth Network Podcast and leads a mastermind for active investors.

Governor Stitt is sending Oklahoma National Guard troops to Washington, D.C.Cherokee officials celebrate the purchase of an historic cemetery in Tahlequah.What lawmakers and advocates are hoping to do against the rising cost of homeowner insurance.You can find the KOSU Daily wherever you get your podcasts, you can also subscribe, rate us and leave a comment.You can keep up to date on all the latest news throughout the day at KOSU.org and make sure to follow us on Facebook, Tik Tok and Instagram at KOSU Radio.This is The KOSU Daily, Oklahoma news, every weekday.

Monica Gilroy is the founder of the Gilroy Law Firm and a legal powerhouse in the property management space.In this episode, she shares what to do if ICE shows up, how to bulletproof your application process, and why short leases are fine (if your systems are solid). We also dive into lawsuits, insurance gaps, and why you can say no to Section 8 in some markets (if you do it right).If you've ever felt legally exposed running your PM biz, this episode brings clarity - and a few fun “ask me how I know” moments.Chapters:(00:00:00) - Intro(00:01:56) - Monica's background and career(00:04:09) - How PMs can handle ICE enforcement (00:08:09) - Approving renters(00:14:19) - Emotional Support Animals(00:16:00) - Sponsor - CallRail(00:17:18) - Appealing PM laws(00:23:33) - Waiving late fees(00:25:32) - Insurance(00:32:32) - Sponsor - RentEngine(00:34:26) - Putting a non-disparagement clause in a lease(00:43:02) - ADA Website lawsuits(00:48:38) - Section 8 nuances(00:54:31) - What are property managers afraid of that they shouldn't be, and what are they not thinking about that should worry them?(01:00:41) - Getting in touch with MonicaLearn more & connect with me here:⁠Crane⁠, the private community for property management business owners.⁠My Free PM Newsletter⁠⁠RL Property Management⁠ Learn more and connect with Monica here: The Gilroy FirmMonica on LinkedIn

In this episode of the CD Financial Podcast, Chuck D and Marcus C delve into the implications of the new Secure Act 2.0, particularly focusing on catch-up contributions to retirement accounts. They discuss the differences between Roth and traditional contributions, the tax implications of forced Roth contributions, and the concerns that high earners may have regarding their tax bills. The conversation also touches on the challenges of payroll setup for federal employees and the perceived unfairness of the new rules. Additionally, they provide insights into how these changes may affect cash flow and retirement planning, concluding with a health tip emphasizing the importance of resistance training for longevity.TakeawaysCatch-up contributions can be made to Roth or traditional accounts depending on income levels.The Secure Act 2.0 mandates Roth contributions for high earners.Tax implications of Roth contributions can affect take-home pay.Forced Roth contributions may disrupt financial planning for some individuals.Payroll systems may struggle with the implementation of new rules.Many employees feel penalized by the new tax rules.Federal employees need to consider how these changes affect Medicare premiums.Regional variations exist in contribution rules for federal employees.It's crucial to review retirement plans regularly to avoid mistakes.Resistance training is essential for maintaining health as we age.

Tropic Rover. Laundry day. Facial expressions. Samsung unveiled their new Galaxy Z Tri-Fold phone. JLR still refuses to use the insurance for his cellphone. Charlie's farts are putrid. No-Shave November wheel options. Professional barber, Jay, comes in to help trim the guy's beards. Snitzer spins first. Snitzer gets his beard trimmed. Charlie spins the wheel. Rover's turn to pick a beard design and gets lined up. JLR is the last to get his beard trimmed, and Krystle gets her legs shaved. See omnystudio.com/listener for privacy information.

Tropic Rover. Laundry day. Facial expressions. Samsung unveiled their new Galaxy Z Tri-Fold phone. JLR still refuses to use the insurance for his cellphone. Charlie's farts are putrid. No-Shave November wheel options. Professional barber, Jay, comes in to help trim the guy's beards. Snitzer spins first. Snitzer gets his beard trimmed. Charlie spins the wheel. Rover's turn to pick a beard design and gets lined up. JLR is the last to get his beard trimmed, and Krystle gets her legs shaved.

In this engaging conversation, Bill Umansky and Caleb Payne explore the intersection of personal interests and professional aspirations in the legal field. They discuss Caleb's journey into law, the challenges of building a law firm, and the importance of finding purpose in legal work.The conversation delves into the emotional rewards of winning cases for deserving clients and the balance between practicing law and managing a business. Throughout the discussion, they emphasize the significance of specialization, client relationships, and encouraging future generations to pursue their passions in the legal profession.

This podcast episode the fourth panel discussion of the day at Artemis London 2025, a session focused on the modernisation and liquidity needs of the ILS market as it grows, from our fourth cat bond and insurance-linked securities (ILS) conference in the City of London, UK, held on September 2nd 2025. The panel, titled "Modernisation and liquidity needs of a growing ILS market", was moderated by Jack Stone, Chief Executive Officer, Caterina Technologies, Inc.. He was joined by: Florian Steiger, CEO, Icosa Investments AG; Martin Dietz, Head of Diversified Strategies, Legal & General Investment Management; Simon Harris, Managing Director, Moody's Corporation; and Sina Thieme, Senior Director, Insurance Consulting and Technology, WTW. With the discussion focused on the modernisation and liquidity needs of the growing ILS market, our expert panellists called for more standardised data and the use of technology to automate manual processes and improve investment decisions.  The challenge of integrating ILS investments into standard fixed income investment processes was also highlighted, due to the differences seen between most asset classes and in cat bond and other ILS processes and structures.  The importance of transparency and robust exposure information for better secondary market trading decisions, as well as the availability of granular information was also discussed and highlighted as important.  The panel also debated the potential benefits of artificial intelligence in improving market processes, as well as the role of ratings in attracting broader investor bases. The consensus was that standardisation and transparency are crucial for continued and perhaps accelerating cat bond and ILS market growth and efficiency. Listen to the full podcast episode from our Artemis London 2025 conference to learn more about the modernisation and technology needs of the catastrophe bond and insurance-linked securities marketplace as it grows.

Stacy Korsgaden joined us to share her vision and discuss her campaign for California Insurance Commissioner Dec 3rd 2025 --- Please Like, Comment and Follow 'The Ray Appleton Show' on all platforms: --- 'The Ray Appleton Show’ is available on the KMJNOW app, Apple Podcasts, Spotify, YouTube or wherever else you listen to podcasts. --- 'The Ray Appleton Show’ Weekdays 11 AM -2 PM Pacific on News/Talk 580 AM & 105.9 KMJ | Website | Facebook | Podcast | - Everything KMJ KMJNOW App | Podcasts | Facebook | X | Instagram See omnystudio.com/listener for privacy information.

It's time to drill down into the nuances of dental equipment claims with The Savvy Adjuster Podcast. When a peril impacts a dental office, the damage can extend beyond the patient chair. Host Chris Nichols is joined by TechLoss Consulting and Restoration Corporate Vice President Bob Karbin and Vice President of Engineering Mikey Minor to discuss the wide array of specialized equipment that can be compromised. They explore the common causes of loss, from water and smoke damage to power surges, and outline the critical first steps adjusters should take to mitigate further damage. Discussed in This EpisodeThe full range of equipment found in a dental office, including specialized lab and operatory toolsCommon perils that impact sensitive equipment, such as water, smoke, power surges, and physical impactCritical first steps and best practices for adjusters to follow when receiving a dental equipment claim to prevent further damageThe role of wear and tear and how degreed engineers can differentiate it from other causes of lossThe restoration and cleaning process for contaminated equipment to return it to pre-loss conditionOptions for securing equipment to minimize business interruption for the insuredReal-world examples and stories from the field of complex dental equipment claimsAdditional ResourcesAlpine Intel Resources Page: https://bit.ly/44LMUNZTechLoss Consulting & Restoration: https://bit.ly/4pIjjNBAdditional Dental Equipment Claims Resources:Article: Drilling into Dental Equipment Claims: Perils and the Assessment Process: https://bit.ly/3MAr9udGuide: Dental Equipment Assessment and Restoration: https://bit.ly/48LZM9cCase Study: Dental Equipment Claim: https://bit.ly/44KGOxj

Solar power brings new dignity to a Kurdish village devastated by a chemical attack 38 years ago. Steven Guilbeault resigns from cabinet over a pipeline deal he says breaks Canada's climate commitments. North Carolina uses "super-roofs" and catastrophe bonds to cut hurricane losses. And Zillow removes climate risk scores from listings after backlash. Support The Clean Energy Show on Patreon for exciting perks including a monthly bonus podcast, early access to our content, behind the scenes looks, access to our members-only Discord community and thank-yous in the credits of videos and shoutouts on our podcast! Starting at just $1 per month! Sheikh Wasan—attacked with mustard gas in 1987—has been rebuilt with 72 solar systems (432 panels) installed by the Rwanga Foundation. The project restores 24-hour power to homes, schools, and community buildings, offering long-overdue dignity to survivors. Canada's former environment minister steps down, saying a recent pipeline agreement makes climate obligations unattainable. Catastrophe bonds now reward homeowners for installing hurricane-resistant roofs, cutting claims by up to 60%. Insurance challenges rise as storms worsen. Zillow briefly added wildfire, flood, heat, and wind risk data to listings, but removed it after complaints from agents. Buyers now must check climate risks themselves via First Street Foundation. First Street: https://firststreet.org/ Lightning Round Dominican Republic activates the 162.6 MW Cotoperí Solar complex. Contact Us cleanenergyshow@gmail.com or leave us an online voicemail: http://speakpipe.com/clean Support The Clean Energy Show Join the Clean Club on our Patreon Page to receive perks for supporting the podcast and our planet! Our PayPal Donate Page offers one-time or regular donations. Store Visit The Clean Energy Show Store for T-shirts, hats, and more!    

In this conversation with Congressman Josh Brecheen we discuss a range of topics including what progress (if any) we might be seeing on healthcare reform. More government subsidies? Or a massive shift in the entire industry?  Of course, we drill down on SNAP benefits. Brecheen has been vocal about the need for work requirements for a while, and it looks like there is a real opportunity post-government shutdown to make real reform happen.  Then, we dig into the effort to end chemical abortion via greater regualtion of the drug mifepristone.  Find out what Biden did that resulted in a surge of chemical abortions and how we must correct this.  Finally, a look at cattle prices and how to protect our vital cattle industry in America.  Will mandatory country of origin labeling fix it or does it require a strong focus on strict price reduction at the grocery store.  Tune in to hear Congressman Brecheen's take on it!     And check out my amazing sponsors!    Motus Health - This is where my wife and go for a reason!  They offer the best in chiropractic care and true functional medicine.   They are currently helping people who may be suffering with: Neuropathy Frozen shoulder Degenerated & Herniated Discs TMJ & jaw pain Weight Loss Autoimmune Disorders Gut Health Fibromyalgia Headaches & Migraines Trigeminal Neuralgia Knee Pain And more!! https://motushealth.com Michael Mcguire with McGuire Capitol We pride ourselves on providing retirement income strategies to Bethany, OK and the surrounding communities. We take a look at your assets — including everything from your bank accounts, pension, and Social Security benefits, to your estate plans, wills, taxes, insurance policies and more Our end goal is to help create financial clarity and to promote multi-generational wealth. We offer: Insurance planning Beneficiary review Retirement planning Financial needs analysis Analysis of present and future expenses Income planning  https://mcguirecap.com   Stevens Trucking Stevens Trucking maintains over 350 power units in our fleet so we ensure our customers and drivers always have top of the line equipment With over 1,600 trailers, we are able to offer a drop-and-hook solution to keep your freight moving quickly and secure. While also helping our drivers get extra miles so they can keep on pullin' more loads. https://stevenstrucking.com                  

Jason Kaminsky, CEO, kWh Analytics, discusses how resilient renewable energy assets, built with smart design and proactive management, help insurers differentiate risk and improve coverage for extreme weather events.

#665: If you've ever stared at an insurance quote and wondered, “Is this really worth it?”, you're not alone. Liability and umbrella policies can feel like an expensive mystery, especially when your net worth is growing and your risks are shifting. In today's episode, we dig into a listener's dilemma about soaring liability and umbrella insurance costs, and we explore how to think clearly about protection, exposure, and the parts of your portfolio that may already be shielded. Along the way, we unpack how shifting household risks, driver ages, and asset location change the insurance strategy year by year. From there, we take questions about Roth choices, future tax brackets, and whether it's worth giving up investment flexibility to build a stronger tax triangle. These conversations get to the heart of how we balance risk, taxes, and long-term planning in the FI journey. Listener Questions in This Episode Andy asks: How can I protect my $2 million net worth without paying nearly $950 a month for increased auto, home, and umbrella coverage, especially with a teenage driver in the mix? (01:47) Mike asks: Given our high current tax bracket and expected lower tax rate in retirement, does contributing to a Roth still make sense for us? (25:50) Cindy asks: Should I move my rollover IRA into my new 401(k) so I can start doing backdoor Roth contributions, even if the investment choices are more limited? (39:47) Key Takeaways Sometimes the question isn't “umbrella or nothing,” it's “what risk am I truly trying to insure, and for how long,” especially when a teenage driver temporarily changes the household risk profile.
 You already may have more asset protection than you think. Retirement accounts and primary residences often carry their own layers of protection, which influences how much liability insurance you actually need.
 The Roth decision hinges less on math in isolation and more on your likely future earnings, work style, and appetite for locking in today's tax rates.
 Building a balanced tax triangle gives you flexibility later, especially when future tax rates are unknowable and retirement timing is uncertain.
 Backdoor Roths can be powerful, but only when the tradeoff between investment choice and long-term tax flexibility makes sense for your goals and timeline.
 Related Episode: Episode 649: Umbrella insurance deep dive Chapters Note: Timestamps are approximate and may vary greatly across listening platforms due to dynamically inserted ads. (00:00) Offense versus defense and setting up today's questions
 (01:47) Andy asks about protecting a $2 million net worth
 (12:00) What's already protected and how coverage layers work
 (17:00) Managing short-term risk when a teenager starts driving
 (29:50) Mike asks whether high earners should prioritize Roth contributions
 (35:07) How career trajectory and future tax rates shape Roth logic
( 45:54) Building a balanced tax triangle
 (47:47) Cindy asks about using a backdoor Roth to shift her tax triangle
( 52:10) Tradeoffs of moving an IRA into a 401k
 (54:06) How long Roth dollars need to grow to matter Share this episode with a friend, colleagues, your tax advisor: https://affordanything.com/episode665 Learn more about your ad choices. Visit podcastchoices.com/adchoices

Click Here for the Show Notes The episode explores the critical role that insurance plays in real estate investing, particularly for rental properties. The conversation covers the types of policies investors should understand, emphasizing liability coverage and the difference between actual cash value and replacement cost, along with noting that wind and hail coverage is typically included. It also highlights the St. Louis real estate market, known for its affordability and strong rental demand with more than half of residents renting their homes. The discussion reinforces the importance of strong property management, thorough tenant screening, and careful expense control as essential elements for protecting investments and maximizing cash flow. If you're looking to strengthen your own investment strategy, dive into the full episode to gain deeper insights and start applying these proven practices to your portfolio. For personalized guidance or support with your next investment, contact us today. -------------------------------- Download your FREE copy of:  The Ultimate Guide to Passive Real Estate Investing. See our available Turnkey Cash-Flow Rental Properties. SUBSCRIBE on iTunes   If you missed our last episode, be sure to listen to TBT: Ask Marco - Should I Pay Off My Rentals? Our team of Investment Counselors has much more inventory available than what you see on our website.  Contact us today for more deals. -------------------------------------------------------- #LearningRealEstate #AskMarco #PassiveRealEstateInvesting #Turnkeyproperties #RealEstatePodcast #Investment #investors #RealEstateInvestors #RentalProperties #TurnkeyProperties #NoradaRealEstateInvestments

Chelsea J. Smith walks into a studio and suddenly I feel like a smurf. She's six-foot-three of sharp humor, dancer's poise, and radioactive charm. A working actor and thyroid cancer survivor, Chelsea is the kind of guest who laughs while dropping truth bombs about what it means to be told you're “lucky” to have the “good cancer.” We talk about turning trauma into art, how Shakespeare saved her sanity during the pandemic, and why bartending might be the best acting class money can't buy. She drops the polite bullshit, dismantles survivor guilt with punchline precision, and reminds every listener that grace and rage can live in the same body. If you've ever been told to “walk it off” while your body betrayed you, this one hits close.RELATED LINKS• Chelsea J. Smith Website• Chelsea on Instagram• Chelsea on Backstage• Chelsea on YouTube• Cancer Hope Network• Artichokes and Grace – Book by Chelsea's motherFEEDBACKLike 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 on WTFolklore, we read The Dog and the Sparrow, another Grimm tale that has somehow yet alluded our eyeballs...but no longer! Suggested talking points: The Tortoise and the Highlander, A Private Collection of Spheres, KrampusCon, Bart Simpson's God-Fearing Face, Maintaining the Crime Ecosystem, A Cactus Does Not Grow on Gossip Alone, CornborneCheck out Gordie's TTRPG, MythomorphosisIf you'd like to support Carman's artistic endeavors, visit: https://www.patreon.com/carmandaartsthingsIf you like our show, find us online to help spread the word! Follow us on Twitter, Facebook, and Youtube. Support us on Patreon to help the show grow at www.patreon.com/wtfolklore. You can find merchandise and information about the show at www.wtfolklorepodcast.com.

A runaway hose, a rooftop spa, and a driveway that cost $90,000 to fix—small choices can turn a routine stop into a six-figure claim. We dive into the three risks that quietly drain profits for pool professionals: water damage, chemical spills, and water chemistry mistakes. Along the way, we share hard-earned stories and the simple, repeatable habits that keep clients happy, claims rare, and premiums steady.We break down why adding water seems helpful but often backfires, especially on elevated pools where gravity turns overflows into mudslides and property losses. You'll learn when to say no, how to reset expectations with homeowners, and why a straightforward “no fill” policy protects both your route and your reputation. For draining, we walk through practical risk controls—drain waivers, documented owner instructions, city code checks, and a named person assigned to shut pumps off—so you're never guessing eight stories up.Sign up for UPA Insurance here:https://docs.google.com/forms/d/e/1FAIpQLSfRQjHJGFLIOqZVzHm4_PNUz8Tokl_InR0wjyp5ahO93h3Z0Q/viewform?usp=send_formIf you want fewer claims and better retention, this is your playbook for risk management that actually fits a busy route: tighter habits, smarter paperwork, and a culture that screens for pros who care. Subscribe for more practical insights, share this with a fellow pool tech who needs it, and leave a quick review to help others find the show.• water damage as the top loss driver• overflow stories from elevated pools and rooftop spas• drain waivers and shifting responsibility to owners• city code differences and discharge pitfalls• chemical spill risks on stained and stamped concrete• the $90k driveway claim and truck policies• slowing down on pristine properties and using containment• water chemistry management and LSI discipline• documentation for warranties and claim defense• how screening and education keep rates flat• ways to join chapters or enroll virtually for coverageSend us a textSupport the Pool Guy Podcast Show Sponsors! HASA https://bit.ly/HASAThe Bottom Feeder. Save $100 with Code: DVB100https://store.thebottomfeeder.com/Try Skimmer FREE for 30 days:https://getskimmer.com/poolguy Get UPA Liability Insurance $64 a month! https://forms.gle/F9YoTWNQ8WnvT4QBAPool Guy Coaching: https://bit.ly/40wFE6y

In this episode of Making Risk Flow, host Jake Harding speaks with Matthew Grant, founder and CEO of Instech and a veteran of 33 years in catastrophe modelling. Matthew unpacks why insurance's cautious approach to AI is more strategic than sceptical. Together, they explore how carriers can align technology adoption with real business problems, build trust in new data sources, and drive operational efficiency without disrupting core workflows. Matthew explains why consistency in user interfaces can mask major capability leaps, how to focus on outcomes rather than perfection in data quality, and why the industry's measured pace reflects deep risk intelligence. The conversation offers insurers a clear roadmap on how a purposeful adoption of AI and cultural innovation can drive a durable competitive advantage.Fan Mail: Got a challenge digitizing your intake? Share it with us, and we'll unpack solutions from our experience at Cytora.To receive a custom demo from Cytora, click here and use the code 'Making Risk Flow'.Our previous guests include: Bronek Masojada of PPL, Craig Knightly of Inigo, Andrew Horton of QBE Insurance, Simon McGinn of Allianz, Stephane Flaquet of Hiscox, Matthew Grant of InsTech, Paul Brand of Convex, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.Check out the three most downloaded episodes: The Five Pillars of Data Analytics Strategy in Insurance | Craig Knightly, Inigo 20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL | Bronek Masojada Implementing ESG in the Insurance and Underwriting Space | Simon Tighe, Chaucer, and Paul McCarney, Moody's

Many property owners in the EF3 tornado's path are still locked in fights with their insurance companies more than six months after the storm. STLPR economic development reporter Kavahn Mansouri shares what he and fellow reporter Andrea Henderson found as they followed two households on their journeys for fair payouts — and how they hope to hold insurers accountable.

Most people are stuck in a healthcare system designed to manage symptoms, not create real healing. Today, Dr. InJun Chong joins Josh Kosnick to expose why so many patients end up on painkillers, unnecessary surgeries, and endless treatment plans that never address the root cause.Dr. Chong is the founder of Reveal Wellness and a leading practitioner in regenerative medicine, specializing in human cellular tissue products, shockwave therapy, and non-invasive recovery methods. His approach challenges the traditional medical model by prioritizing the body's natural ability to heal.In this episode, Josh and Dr. Chong break down:• Why the medical system prioritizes pharmaceuticals over long-term healing• The truth about regenerative therapies and who they actually help• The misconceptions around chiropractic care• What people can do at home to reduce pain and improve mobility• The leadership crisis inside the healthcare industry• Why most people wait too long to address pain• How Dr. Chong is integrating high-performance leadership through the Bridge Builder MastermindIf you've been frustrated with the medical system, are looking for alternatives to surgery or NSAIDs, or want to understand how to take ownership of your long-term health, this conversation will give you the clarity and direction you need.Learn more about Dr. InJun Chong and Reveal Wellness:https://www.revealwellness.life/For coaching, events, and leadership development:https://www.joshkosnick.com/00:00 – Introduction and Personal Responsibility02:00 – Dr. Chong's Backstory and Path to Regenerative Medicine07:00 – Chiropractic vs. Medical Industry11:00 – Stem Cell Therapy: Misconceptions and Real Results15:00 – How the Body Heals: Cells, Pain, and Dysfunction19:00 – Insurance, Incentives, and Healthcare System Failures23:00 – Lifestyle, Habits, and Personal Accountability30:00 – Media Influence and Health Confusion32:00 – Regenerative Medicine, Shockwave, and Peptides40:00 – Personalized Treatment and Ozone UV46:00 – Mindfulness, Thought Work, and Emotional Health53:00 – Risks of Surgery, NSAIDs, and Inflammation58:00 – Gut-Brain Connection01:06:00 – Building a Sustainable Healthy LifestyleSpartan Valor Foundation is dedicated to empowering veterans, military families, and survivors of child trafficking. Through strategic partnerships, we provide critical resources, advocacy, and hope for those who have sacrificed so much. Join us in making a difference—because no hero should stand alone.

Leadership is shaped in the moments when uncertainty meets opportunity. Jason Cass sits down with Doug McElhaney, Chief Strategy Officer at Applied Systems, for an Executive Sessions discussion at the Applied Conference, where Doug breaks down how strategic clarity guides agencies through rapid technological change. Drawing from his years at McKinsey and his work at Applied Systems, he shares the decisions, mentors, and personal experiences that continue to influence his approach to leadership and industry impact. Key Topics: Understanding strategy through hard-to-reverse decisions Top-down thinking and identifying value-producing objectives Overcoming analysis paralysis in agency decision-making Mentorship philosophies and leadership growth Mindsets that shape personal and professional confidence People-driven execution of technology and data Navigating industry transformation and accelerating change Insurance access, protection gaps, and real-world impact Bold thinking and envisioning long-term industry progress Reach out to: Doug McElhaney Jason Cass Visit Website: Applied Systems Agency Intelligence Produced by PodSquad.fm

Welcome back to the show where we help financial advisors build efficient, profitable, and deeply human advisory firms. In this episode, Libby dives into the heart of creating a scalable and sustainable client service model. She breaks down the mindset shifts advisors need, the math behind revenue per hour, how to segment your book intentionally, and why aligning your service model with profitability is the key to delivering exceptional client experiences. This is a thoughtful, practical, and empowering conversation to help you reshape your ongoing service in a way that benefits you, your team, and your clients.What you'll learn in this episode: • Why advisors struggle with mental blocks around pricing, fees, and client segmentation  • How to calculate your true revenue per hour and use it to make better capacity decisions • A step-by-step process for segmenting clients and defining aligned service levels • How to avoid client subsidization and ensure each household is serviced profitably • Ways to right-size service for clients who don't meet your hourly rate, without sacrificing care or professionalism As Libby walks through each step, you'll gain clarity, confidence, and a practical roadmap to redesign your client service model so you can serve clients exceptionally well without overwhelming your team. This episode will help you work smarter, stay focused on what matters, and build a practice you love managing every single day ✨.Learn more about the Group Coaching & Mastermind HERE! Register for the December 2nd event with Adam Holt HERE! (Replay will be sent to those who've registered!) 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.

with Donna Blevins: The 'Mind Shift Mechanic' who invests in 'winning properties' from PokerDon't waste golden nuggets! Get ahead of the 97% with this episode***Know what Type of Business suits you first at https://quiz.franchisewithbob.com/rg - and COPY THE RIGHT BUSINESS FOR YOU!***WHO IS AXEL?  A business consultant. A real estate investor. A mentor. Avid Tesla fan & investor. AI in the Age of Abundance thought leader. His wife's gardener.

Shane and Tonya explore what it truly means to “clone yourself” through systems, people, and AI. From documenting what's in your head to empowering team members to make confident decisions, they discuss how to build an agency that runs smoothly even when you're not in the room. Plus, a look at how AI technology and automation tools can become your virtual clone, allowing you to focus on growth, leadership, and the parts of the business you love most. Learn more at IntegraPartnerNetwork.com.

Episode Info Jim has over thirty years of experience in the insurance and insurtech industries, with a proven track record of success in leading and growing companies. In Jim's previous role as CEO of bolt Solutions Inc, he grew the company's revenue and oversaw the transformation of its business model, enabling the company to grow and scale quickly and efficiently. He has extensive experience creating unparalleled business success in the insurance and insurtech space, administering pragmatic and analytical decisions in high-pressure environments. His enthusiasm for embracing cutting-edge technologies and fostering a culture of innovation aligns perfectly with MISSON's transformative and forward-thinking core values. Episode Overview: In this engaging episode of The Future of Insurance, we sit down with Jim Dwane, CEO of Mission, recorded live at ITC Vegas 2025. Jim shares his insights on the evolving landscape of the insurance industry and how Mission is at the forefront of this transformation. Key Discussion Points: Jim Dwane's Background: Jim discusses his extensive career in the insurance industry, having spent two-thirds of it with major carriers like Travelers and AIG before venturing into the insuretech space in 2017. Mission's Role and Vision: Mission is described as a program administrator that builds de novo programs, focusing on finding exceptional underwriters and providing them with the opportunity to become entrepreneurs. The company acts as an incubator and accelerator for MGUs (Managing General Underwriters), emphasizing a technology-first approach. Strategic Advisory and Support: Mission provides strategic advisory services, helping underwriters manage aspects beyond underwriting, such as capital management, marketing, and compliance. The company supports its partners with administrative, operational, and technological infrastructure. Industry Trends and Future Outlook: Jim highlights the rapid growth of the program space within the insurance industry and the importance of speed and innovation. The discussion touches on the strategic use of technology to accelerate industry transformation. Mission's Partnerships: Mission collaborates with multiple capacity partners, including its parent company, Accelerant, to ensure a robust support system for its MGUs. Conclusion: Join us for this insightful conversation with Jim Dwane as we explore the future of insurance and how Mission is paving the way for innovation and growth in the industry. Whether you're an industry veteran or new to the field, this episode offers valuable perspectives on the dynamic changes shaping the insurance landscape.   This episode is brought to you by The Future of Insurance book series (future-of-insurance.com) from Bryan Falchuk. Follow the podcast at future-of-insurance.com/podcast for more details and other episodes. Music courtesy of Hyperbeat Music, available to stream or download on Spotify, Apple Music, and Amazon Music and more.

In this episode, Jake Sloan, VP of Global Insurance at Appian, discusses the transformative potential of agentic AI in the insurance industry.Sloan elaborates on how Appian is modernizing processes like underwriting and claims management through domain-specific AI solutions.He highlights the pitfalls of general AI models, the importance of contextual AI, and the significance of integrating AI into existing workflows.Sloan also touches on the cultural and operational changes required for effective AI adoption and the future of hyper-personalized insurance products.Practical insights into the use of AI in insurance processes are provided, along with Appian's ongoing innovations and partnerships aimed at driving industry change.--Key Moments:01:08 The Evolution of Process Automation02:23 Challenges and Opportunities in AI for Insurance03:51 Integrating AI into Existing Systems04:33 Addressing AI Hallucinations and Risk05:41 Purpose-Built AI Solutions09:36 AI Adoption and Change Management30:25 Future of Insurance with AI--Key Links:AppianConnect with Jake on LinkedInMentioned in this episode:AI Opportunity FinderFeeling overwhelmed by all the AI noise out there? The AI Opportunity Finder from HatchWorks cuts through the hype and gives you a clear starting point. In less than 5 minutes, you'll get tailored, high-impact AI use cases specific to your business—scored by ROI so you know exactly where to start. Whether you're looking to cut costs, automate tasks, or grow faster, this free tool gives you a personalized roadmap built for action.

For high income earners, new rules for 2025 mean you might not be able to put your catch-up money into tax-deferred or traditional TSP or 401k for that matter. This video breaks down what this means for your retirement planning and highlights the importance of understanding these changes. Understanding these new rules is crucial for maximizing your tax benefits and managing your retirement accounts effectively.High-income earners risk losing the traditional tax break on catch-up contributions — and the 2026 Roth-only rule can change your retirement strategy entirely.

When dealing with insurance companies it can often feel the chips are stacked against you, and it's the insurance adjuster's job to even the scales. Nathan welcomes Andy Gurczak, Founder and CEO of Allcity Adjusting, back to the show to discuss state property insurance laws, mistakes people make during the claims process, and strategies used by public adjusters to ensure customers get a fair settlement. Host: Nathan Beauvais CFP®, CIMA®; Guest: Andy Gurczak; Air Date: 11/21/2025; Original Air Date: 2/28/2025. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

A pool route looks peaceful from the curb, but the work sits where chemistry, electricity, plumbing, and customer trust collide. We brought on Sean Reardon, the insurance broker serving the United Pool Association, to unpack the real risks pool technicians face and why generic coverage so often misses the mark. From the UPA's origins as a mutual support network to the evolution of group policies built for technicians, we explore how smart coverage, good training, and honest reporting can turn worst-day scenarios into manageable claims.We walk through claim stories that stick. A heater installation near a shared wall led to alleged carbon monoxide poisoning when someone powered it up before venting was complete—an expensive reminder that pollution exclusions can swallow a “normal” pool tech job unless your policy is modified. A veteran pro mixed the wrong chemicals and triggered leaks across a skimmer line, proving that one rushed moment can mean weeks of remediation. A new hire “frisbeed” trichlor tabs into a dark-surfaced pool and branded it with round stains. And in a painful mix-up, chlorine meant for a dirty fountain ended up in a koi pond, wiping out prized fish within an hour.Sign up for UPA Insurance here:https://docs.google.com/forms/d/e/1FAIpQLSfRQjHJGFLIOqZVzHm4_PNUz8Tokl_InR0wjyp5ahO93h3Z0Q/viewform?usp=send_form• UPA's origin as chapters covering routes and sick leave• Why group insurance tailored to pool techs saves money and risk• Pollution exclusions and how endorsements change outcomes• Carbon monoxide claim and the importance of duty to defend• Chemical handling errors and skimmer line damage• Training gaps leading to “hockey puck” stains• Koi pond chlorination loss and rapid response• Cameras, transparency, and reporting incidents early• Practical habits to avoid co-mingling and mislabeling• How to join UPA and find the sign-up formThe easiest way to find the sign-up form for UPA is to go to my website, swimmingpoollearning.com. Again, that's swimmingpoollearnSend us a textSupport the Pool Guy Podcast Show Sponsors! HASA https://bit.ly/HASAThe Bottom Feeder. Save $100 with Code: DVB100https://store.thebottomfeeder.com/Try Skimmer FREE for 30 days:https://getskimmer.com/poolguy Get UPA Liability Insurance $64 a month! https://forms.gle/F9YoTWNQ8WnvT4QBAPool Guy Coaching: https://bit.ly/40wFE6y

In this episode of Front Cover: A Rough Notes Podcast on the Agency Intelligence Podcast Network, Jason Cass sits down with Mark Rodgers, Founder of Trailstone Insurance, the agency featured on the December 2025 front cover of Rough Notes Magazine.  Key Topics: Mark's reaction to being selected for the Rough Notes Magazine front cover  Trailstone's growth from a small agency to a large operation after shifting strategy in 2017–2018 Building automation in 2019 and writing more than 50 million in new personal lines premium Moving from purchased leads to strong inbound through social media, YouTube, and referral partners A sales process centered on homeowner targeting, education, and retention systems Operating fully inside HubSpot for AMS, CRM, communication, and workflow management Leveraging offshore teams, automation, and Traction accountability charts to support scale and culture Reach out to: Mark Rodgers Jason Cass Visit Website: Trailstone Insurance Rough Notes Magazine Produced by PodSquad.fm

Disasters are affecting more people and property than ever before. Since 1980, the U.S. has experienced 400+ weather-related "billion dollar" disasters, $3 trillion in economic impacts, and thousands of lives and livelihoods. In the effort to build our disaster resilience as a society, what's the role of insurance?In this episode, our hosts are joined by Carolyn Kousky, Insurance for Good, and Marc Ragin, University of Georgia Terry College of Business. This month's guests discuss a question at the heart of disaster insurance: what's the best way to incentivize risk reduction for both insurance companies and customers?If you're curious about how disaster insurance works, options for making insurance better suited for new risks, or why premiums are getting so darn high, this is the episode for you.Marc's Haiku:High insurance ratesWe need collective actionTake your vitaminsCarolyn's Haiku, written by Matsuo Bashō (translated from Japanese):As they begin to rise again Chrysanthemums faintly smellafter the flooding rainLearn more about UGA and Duke's CIRCAD partnership: https://circad.org/Carolyn's book: https://islandpress.org/books/understanding-disaster-insurance#descCarolyn's nonprofit, Insurance for Good: https://www.insuranceforgood.org/