Podcasts about Insurance

This week, John Casmon breaks down the lessons behind Brandon Turner reportedly losing $15 million of investor capital, and why the headline misses the point. Rather than pile on or use the story as fuel for fear, John makes the case that apartments and syndications are not the problem. The real issue is understanding how to identify and manage risk. In this episode, John walks through the factors that actually sink deals, the questions every investor must ask before investing, and how to mitigate risk on both the active and passive side.   Make sure to download our free guide, 7 Questions Every Passive Investor Should Ask, here.   Key Takeaways Apartments and syndications are not the problem. The skill that protects you is knowing how to identify and manage risk, which is different for every deal The first question every investor must ask is "How can I lose money on this deal?" so you can uncover, mitigate, and get ahead of risk Interest rates were only part of the story. Insurance and tax increases, especially in Texas and Florida, did just as much damage The loan product has to match the business plan. Bridge debt itself was not the core issue You lose money when cash flow can't cover debt service, so underwrite conservatively and balance aggressive financing with lower leverage Don't assume the environment you buy in is the environment you'll sell in. Cap rates moved far more than the old rules of thumb accounted for Use a tough outcome as a lesson to sharpen your own investing philosophy, not as a reason to sit out Topics Why the $15 Million Headline Misses the Point John opens on the commentary around Brandon Turner reportedly losing $15 million of investor capital, and rejects the "I told you so" victory-lap energy as a loser mentality He acknowledges how hard this is for investors, who put money to work to help their families and reach their financial goals Real estate remains a tried and true wealth vehicle, proven over the last 80 to 100 years and second only to the stock market, with apartments offering scale that's hard to find in single family Apartment syndication as we know it is still relatively new, and the last four to five years brought historic low rates and a wave of new supply, creating a lot of moving pieces The Factors You Can't Control You can't control interest rates or supply, and several forces hit at once that few investors could have predicted Interest rates shot up faster and further than ever in the shortest window on record More supply came online in the last two years than in the previous 40 to 45 years The takeaway is not that apartments or syndications failed, but that investors have to understand the fundamentals well enough to identify and navigate risk, which looks different on every deal The First Question Every Investor Must Ask Before any investment, particularly for passive investors, ask "How can I lose money on this deal?" Asking it is how you uncover where the risk lives, how to mitigate it, how to recognize when things go awry, and how to cut bait if you absolutely have to This is one of the core questions in John's guide, 7 Questions You Must Ask Before Investing in Apartments If you skip this question, you leave yourself blind to the very exposure that takes deals down Why the Loan Has to Match the Business Plan Many of these deals were bought at low rates on variable-rate debt, and those loans repriced coming out of 2021 and 2022 A rate cap is one tool to soften that risk, and John's team used one, but caps got more expensive as rates rose and are not a cure-all John's contrarian take is that bridge debt itself was not the primary problem. The loan product simply has to match the business plan A value-add plan needs the option to refinance or exit, which is why bridge terms are attractive: there's no prepayment penalty, unlike fixed debt where a 2% prepay fee on an early sale could cost hundreds of thousands or millions Where the Real Damage Came From The business plan has to account for variable factors like tax increases, insurance increases, and rent growth, some of which investors could anticipate and some they could not Insurance and taxes spiked alongside rates, especially in markets like Texas and Florida, and likely did as much or more damage than interest rates alone Every investment carries risk, even bonds, and investors are always weighing what's likely against what's not This cycle delivered the unlikely, and that combination is what made these deals so difficult to navigate The Two Ways You Lose Money and How to Mitigate You lose money when there isn't enough cash flow to cover debt service, so build reserves and underwrite conservatively on tax reassessments, insurance, and rental income If you take on bridge debt, offset it by being conservative elsewhere, such as limiting leverage to 60% or even 50% loan to value instead of 80% Don't assume the environment you bought in will be the environment you sell in. The old habit of adding ten basis points to the exit cap broke when cap rates moved 100 to 200 basis points John's team favors markets like the Midwest where taxes, insurance, and claims risk are more predictable, and structures deals so the loan, the operations, and the exit all line up Don't Let One Deal Rewrite Your Game Plan Using a tough outcome to scare people away from passive investing is the wrong response, because for many it's the only practical path to real estate income The better move is to educate, learn from what went sideways, and become a better investor Every entrepreneur experiments, fails, adjusts, and comes back stronger, so define your own investing philosophy rather than abandoning the goal The end game for most people is financial freedom and the flexibility to spend time with the people they love, and the right lessons keep you moving toward it

At 25, Jace Yawnick was building a career in health and wellness sales, chasing growth, status, and the usual young adult fantasy of getting somewhere fast. Then his body stopped cooperating. Fatigue turned into chemotherapy. The diagnosis was primary mediastinal B cell non Hodgkin lymphoma, and the rest of his life split into before and after. Now in remission, he talks about cancer the way people actually live it, not the way nonprofits package it. He gets into survivorship, mental health, young adult isolation, and the deadening absurdity of prior authorization. One of the sharpest parts of the conversation lands on a simple American insult disguised as policy: treatment innovation means very little when insurance can still deny the scan, the drug, or the next step. Jace has seen that firsthand, including during routine monitoring after active treatment. This episode tracks what happens when a young cancer patient becomes a public voice and refuses to play mascot. It covers oncology, insurance, remission, advocacy, and the long mental hangover that follows survival. It also names the part too many institutions dodge: the system works great right up until it doesn't, and when it fails, patients get handed the bill, the panic, and a camera if they want anyone to care. RELATED LINKSJace Beats CancerJace Yawnick on LinkedImConquer Cancer ArticleCURE Today ArticlePyure BrandsFEEDBACKLike 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.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald, interviewed Audreanna Ayala.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Dr. Willie Jolley. SUMMARY OF THE INTERVIEW In this energetic and motivational conversation, Hall of Fame speaker Dr. Willie Jolley joins Rushion McDonald on Money Making Conversations Masterclass to discuss his new book, “Rich Is Good, Wealthy Is Better.” The interview covers the difference between being rich and being wealthy, the mindsets required for long-term financial growth, and how individuals—no matter their background—can build generational wealth. Jolley also emphasizes discipline, humility, planning, multiple streams of income, overcoming setbacks, and the importance of insurance and protection of assets. PURPOSE OF THE INTERVIEW The interview aims to: 1. Introduce and promote Dr. Jolley’s new book “Rich Is Good, Wealthy Is Better” and the teachings within it. 2. Educate listeners on the distinction between rich and wealthy Jolley wants audiences to understand wealth in generational, not short-term, terms. 3. Motivate individuals to shift their financial mindset From “working money” to “mailbox money.” 4. Empower entrepreneurs and families To adopt discipline, drop pride, and create multigenerational financial systems. 5. Share Jolley’s personal setback‑to‑success story To reinforce that anyone can grow wealth with the right principles. KEY TAKEAWAYS 1. Rich vs. Wealthy Being rich = high income, often tied to active labor (e.g., athlete contracts). Being wealthy = passive income, ownership, generational sustainability. A rich football player earns millions; the team owner earns billions and doesn’t have to “run up and down the field.” 2. The Five Money Mindsets Jolley explains five financial mindsets: One‑day mindset – living day to day. 30‑day mindset – fixed incomes/check-to-check living. One‑year mindset – annual thinking (raises, annual income). Decade mindset – typical for entertainers/athletes with multi‑year contracts. Generational mindset (Wealth Mindset) – building wealth to last multiple generations. Jolley’s goal: move people up just one level at a time. 3. Five Types of Wealth Jolley breaks wealth into five categories: Financial Wealth Health Wealth (“A sick person has one dream; a healthy person has a thousand.” – Les Brown) Relationship Wealth Reputational Wealth (Brand) Intellectual Capital Wealth (What you know and can charge for) 4. Discipline Is the Key Wealth requires: Living below your means Investing the difference Consistency Avoiding arrogance and ignorance 5. Pride Is an Enemy of Wealth Pride leads people to overspend to keep up appearances.Jolley argues that pride “kills wealth” and must be replaced with planning and humility. 6. The Three Legs of Wealth To build sustainable wealth, you need: Income Investment (letting money work for you) Insurance (life, health, car, disability, long-term care) 7. Multiple Streams of Income Jolley urges everyone to build at least two streams of income from: Stocks Bonds Real estate Crypto Collectibles Jewelry Art Content creation 8. Overcoming Setbacks Jolley details his own journey from unemployed nightclub singer to globally recognized motivational speaker.He reinforces that a setback is a setup for a comeback—the core message of his earlier bestselling book. 9. It’s Never Too Late to Start He cites examples of: A secretary who retired with $8M by investing small amounts over time Invested $12,000 at age 65 and grew it to $890,000 by age 72 NOTABLE QUOTES FROM THE INTERVIEW On Time & Opportunity “I have only just a minute… but it’s up to me to use it.” On Mindset “Wealth starts in your mind.” On Rich vs. Wealthy “Regular folks work for their money. Wealthy people make their money work for them.” On Pride “My pride was killing my wealth.” On Growth & Learning “If you’re willing to learn, no one can stop you.” [On Setbacks “A setback is a setup for your greater comeback.” On Starting Late “When is the best time to plant a tree? Eighty years ago. The second-best time? Today.” #SHMS #STRAW #BESTSteve Harvey Morning Show Online: http://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Most service members have no idea how far their military medical benefits actually stretch. In this episode, I break down 11 procedures TRICARE and military hospitals will cover. From vision correction and rhinoplasty to vasectomies and scar revision. I also share the exact framework for getting elective procedures approved before you separate.   Timestamps (00:00) - Intro (00:48) - LASIK and PRK Vision Correction (01:45) - Functional Rhinoplasty (02:21) - Vasectomy Coverage (02:42) - Breast Reductions and Implants (03:44) - Cleft Lip and Palate Repair (04:09) - Braces and TMJ (04:36) - Wisdom Teeth (04:57) - Varicose Vein Treatment (05:09) - Scar Revision (05:48) - Excess Skin Removal (06:18) - Deviated Septum (06:39) - On-Base Cosmetic Surgery Programs (07:12) - How to Get Procedures Approved   About the Show On the Military Millionaire Podcast, I share real conversations with service members, veterans, and their families. Each week, we explore how to build wealth through personal finance, entrepreneurship, and real estate investing. Resources & Links Download a free copy of my book: https://www.frommilitarytomillionaire.com/free-book Sign up for free webinar trainings: https://www.frommilitarytomillionaire.com/register Get an intro to recommended VA agents/lenders: https://www.frommilitarytomillionaire.com/va-realtor Apply for The War Room Mastermind: https://www.frommilitarytomillionaire.com/mastermind-application Join our investor list: https://www.frommilitarytomillionaire.com/investors Guide to raising capital: https://www.frommilitarytomillionaire.com/capital-raising-guide   Connect with David Pere Facebook Group: https://www.facebook.com/groups/militarymillionaire YouTube Channel: https://www.youtube.com/@Frommilitarytomillionaire?sub_confirmation=1 Instagram: https://www.instagram.com/frommilitarytomillionaire/ LinkedIn: https://www.linkedin.com/in/david-pere/ X (Twitter): https://x.com/militaryrei TikTok: https://www.tiktok.com/@militarymillionaire   Produced by UNFLTR

In this episode of Making Risk Flow, Juan de Castro sits down with Greg Brown, Partner at Oxbow Partners, to explore the strategic choices reshaping the London insurance market. As market conditions soften and technology advances accelerate, Greg explains why firms must clearly define whether they are true leaders, niche leaders, capacity leaders, or followers, and align their operating models accordingly. The conversation examines how misalignment between market position and business architecture can erode profitability and competitive advantage. Greg also discusses the growing importance of portfolio management, the evolution of facilities from cyclical tools to permanent market infrastructure, and the role of AI in enhancing underwriting decision-making. Greg Brown is a Partner at Oxbow Partners, a strategic advisory firm focused exclusively on the insurance industry. He specializes in helping Lloyd's and London Market organizations navigate strategic transformation, from underwriter modernization to launching digital business units. Combining expertise in strategy, operations, and technology, Greg helps insurers develop ambitious, practical plans that drive sustainable growth and 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, Inigo20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL | Bronek MasojadaImplementing ESG in the Insurance and Underwriting Space | Simon Tighe, Chaucer, and Paul McCarney, Moody's

In this episode: lifestyle creep awareness, emergency funds, rebuilding after a house fire, designing a values-aligned life, career transition coaching with Karen WorthyEpisode SummaryKaren Worthy shares how a wake-up call about spending led their family into FI habits—then a devastating house fire became a “blank slate” that clarified what matters. Karen and Adam explore how savings create optionality in crises and careers, and how Karen used that runway to take a sabbatical and launch a career transition coaching business.Guest BioKaren Worthy is a career transition coach who helps people land their next role through resume, interview, and networking support. She previously worked at Amazon and has led recruiting/HR teams.Resources & Books MentionedWorthy Career PathsMr. Money Mustache (blog) Frugalwoods (blog)“Five Hour Resume” course (code: MINDFUL) Mindful FIRE Envisioning Guide Mindful FIRE Legends community  Guest Contact InformationEmail: karen@worthycareerpaths.comWebsite: https://worthycareerpaths.com/LinkedIn: Karen Worthy (not provided)Key Takeaways“Lifestyle creep” can be $3-at-a-time; downloading a year of transactions made spending patterns undeniable.A cold-turkey “no eating out” month built lasting systems (including a monthly “Stuff Weekend” budget).Emergency funds matter most when life is chaotic—hotel, shoes, and basics before insurance pays.Confidence comes from optionality: “F-you money” can make you bolder at work and pickier in transitions.Join the Mindful FIRE Legends community at MindfulFIRE.org/join.PS: Introducing the…

Choosing insurance coverage might not top your list of exciting ownership milestones, but it plays a vital role in safeguarding your future. Fortunately, there are many resources at your disposal to help you navigate all of the policy intricacies. In this episode, Christy discusses the insurance landscape with our guests, Tara Cain, Insurance Account Manager at CWA Risk Solutions, Claudia Glaubitz, Director of Business Development at Risk Agency, and Joey Bertrand, CEO at Risk Agency. Our guests provide valuable insight into what types of critical coverage will protect you, your practice, and your property from costly setbacks.

Everyone has something they’re avoiding financially. Super. Insurance. Investing. A credit card statement. Even just opening the banking app. Join Canna Campbell - a financial planner for 20 years - and Fear & Greed's Michael Thompson as they tackle financial avoidance, with a cheat sheet on how to get started on the most commonly delayed projects.Canna and Michael have written a book! Twelve Months to Financial Freedom will hit the shelves on September 1 - but you can preorder your copy right now. --- The information in this podcast is general in nature and does not take into account your personal circumstances, financial needs or objectives. Before acting on any information, you should consider the appropriateness of it and the relevant product having regard to your objectives, financial situation and needs. In particular, you should seek independent financial advice and read the relevant Product Disclosure Statement or other offer document prior to acquiring any financial product.​Canna Campbell is an Authorised Representative and Financial Adviser of Links Licensee Services Pty Ltd AFSL No. 700012 ABN 97 678 975 589.See omnystudio.com/listener for privacy information.

Cara Ameer shares how discipline, relationships, communication, and wellness helped her build a bi-coastal business across Jacksonville and Orange County while staying grounded through market pressure, client emotions, and constant change on both coasts today.See article: https://www.unitedstatesrealestateinvestor.com/building-a-successful-real-estate-business-across-two-coasts-with-cara-ameer/(00:00) - Introduction to The REI Agent Podcast and Cara Ameer's Bi-Coastal Business(05:00) - From Chicago to Jacksonville: Building a Business From Scratch(10:00) - California vs. Florida: Forms, Disclosures, Inspections, and Market Customs(15:00) - Comparing Prices, Renovation Costs, Insurance, and Condo Challenges(20:00) - Starting Over in Orange County Through Sphere-Based Networking(25:00) - Thought Leadership, Inman News, and Staying Visible in the Industry(30:00) - Managing Two Markets, Transaction Details, and California Escrow Customs(35:00) - Holistic Health, Client Stress, AI Limits, and Cara's Golden Nuggets(39:19) - Favorite Book, Where to Find Cara, Final Thanks, and Episode DisclaimerContact Cara Ameerhttps://www.caraameer.com/https://www.facebook.com/cara.ameer/https://www.instagram.com/cara_ameer/https://www.linkedin.com/in/caraameer/https://youtube.com/@CaraAmeer Cara Ameer's story is a powerful reminder that success is not built by chasing every market trend. It is built by learning deeply, communicating clearly, staying healthy, and serving people with calm confidence when the pressure is highest. Whether someone is building in one market or across two coasts, the lesson is the same: protect the relationships, master the details, and never lose the human touch. For more conversations that help professionals build wealth, wellness, and purpose, visit https://reiagent.comIs success destroying your peace? Most pros grind until they break. Download The Investor's Life Balance Sheet: A Holistic Wealth Audit to see if you are building a legacy or heading for burnout. Presented by The REI Agent Podcast & United States Real Estate Investor® https://sendfox.com/lp/m4jrl

In this episode, I break down how I think about hiring A players, why I move quickly on low performers, and how I build teams that can operate without me. I talk about why most leaders overcomplicate things, how slow decisions and poor standards drive great people away, and why focusing on simple, proven execution is what actually wins in business. Grow your business:   https://sweatystartup.com/events   Book:   https://www.amazon.com/Sweaty-Startup-Doing-Boring-Things/dp/006338762X     Newsletter:   https://www.nickhuber.com/newsletter     My Companies:   Offshore recruiting – https://somewhere.com   Cost segregation – https://recostseg.com   Self storage – https://boltstorage.com   RE development – http://www.boltbuilders.com   Brokerage – https://nickhuber.com   Paid ads – https://adrhino.com   SEO – https://boldseo.com   Insurance – https://titanrisk.com   Pest control – https://spidexx.com     Sell a business:   http://nickhuber.com/sell     Buy a business:   https://www.nickhuber.com/buy     Invest with me:   http://nickhuber.com/invest     Social Profiles:   X – https://www.x.com/sweatystartup   Instagram – https://www.instagram.com/sweatystartup   TikTok – https://www.tiktok.com/404?fromUrl=/sweatystartup   LinkedIn – https://www.linkedin.com/in/sweatystartup     Podcasts:   The Sweaty Startup & The Nick Huber Show   https://open.spotify.com/show/7L5zQxijU81xq4SbVYNs81     Free PDF – How to analyze a self-storage deal:   https://sweatystartup.ck.page/79046c9b03  

Are you scared of going against what's popular or accepted in dentistry, especially when it hits your patient base hard? In this episode, Dr. Delaney Spaulding, the fearless owner of Ross Bridge Dentistry, underscores the value of courageous decision-making through her own story. Dr. Spaulding moves from a terrifying plunge into an out-of-network practice model that losses half of her patient base, to learning to navigate pushbacks, tough conversations, and an unforeseen leadership refurbishment. Listen in to discover how she envisioned and enacted a practice that thrives on intentional patient communication and experience, rather than riding on the insurance wagon. Dr. Spaulding shows you why, in your practice, you decide the rules. Tune into this episode of Fail Forward and prepare to be inspired to act boldly!‍‍Listen to Delaney's Other Episodes Here:410: Dr. Delaney Spaulding | Ross Bridge Dentistry – The Dental Marketer Podcast‍Host: Michael AriasJoin my newsletter: https://thedentalmarketer.lpages.co/newsletter/‍Join this podcast's Facebook Group: The Dental Marketer Society‍Love the Podcast? Follow on Your Favorite App! https://lnkfi.re/TDMPod

Send us Fan MailIn this episode of the Talking Pools Podcast, hosts Lee Salisbury, Shane Sneddon, and Nick discuss one of the most challenging and often frustrating aspects of pool service: leak detection. From simple dye tests and bucket tests to advanced acoustic listening devices, pressure testing, and underground leak locating equipment, the team shares real-world experiences, troubleshooting techniques, and lessons learned from years in the field. Topics CoveredWhy Leak Detection Is a Specialized SkillLeak detection often goes far beyond finding a wet spot in the yard. The hosts discuss how locating leaks requires patience, methodical troubleshooting, experience, and sometimes specialized equipment that represents a significant investment for a service company. Common Leak Sources Every Technician Should Check FirstBefore investing in advanced equipment, technicians can often identify many leaks through basic inspection and process-of-elimination techniques, including: Multiport valve waste lines  Hydrostatic relief valves  Skimmer box cracks  Skimmer faceplates and gaskets  Return fittings  Suction-side plumbing  Equipment pad leaks  Pump lid cracks and air leaks The hosts explain why many leaks can be found without expensive equipment when a systematic approach is used. Dye Testing: Every Technician's Best FriendOne of the most effective and affordable leak detection tools remains simple dye testing. The discussion covers: How dye reveals water movement  Why water table levels can affect results  Choosing the right dye color for different pool finishes  Common mistakes when performing dye tests  Creative field solutions using syringes, plasticine, and simple tools The team also discusses fluorescent dyes and situations where standard dye colors become difficult to see. When the Water Table Changes EverythingHeavy rainfall and high groundwater can completely change leak detection results. Shane shares examples where visible holes in vinyl liners showed no water loss because surrounding groundwater pressure equalized the leak. Understanding groundwater conditions is critical when diagnosing suspected leaks. Vinyl Pool Leak ChallengesThe hosts discuss: Large vinyl liner tears  Aging liner failures  Temporary patching methods  When repairs are no longer practical  Recognizing when liner replacement is the only realistic solution Real-world examples illustrate why some repairs become recurring service calls if underlying liner deterioration is ignored. Fiberglass Pool Failures and Structural IssuesSeveral unusual fiberglass pool failures are discussed, including: Pool walls collapsing due to improper backfill  Hydrostatic valve failures  Pools lifting out of the ground despite being full of water  Drainage design failures around pool shells These stories highlight why understanding soil conditions and groundwater management is just as important as understanding plumbing. Advanced Leak Detection EquipmentShane explains the equipment used by professional leak detection companies, including: Acoustic microphones  Pipe microphones  Pressure testing systems  Underground listening devices  Sonar and sound-based locating systems The discussion includes how these systems work, their limitations, and why training is essential before offering leak detection as a professional service. Is Leak Detection Worth Adding to Your Business?For service companies considering expanding into leak detection, the hosts discuss: Equipment costs  Training requirements  Insurance considerations  Break-even analysis  Market demand  Scheduling and labor requirements They emphasize the importance of understanding profitability before investing heavily in specialized services. Knowing When to Call a SpecialistNot every pool company needs to perform advanced leak detection. The hosts discuss the value of building relationships with trusted specialists and recognizing when a problem exceeds your equipment, experience, or risk tolerance. Real-World Leak StoriesThe episode features several memorable leak investigations, including: A pool that only leaked intermittently  A cracked pump lid causing major system issues  Underground plumbing surprises  Faulty underground repairs  Hidden plumbing modifications discovered during excavation These stories demonstrate why leak detection often feels more like detective work than pool service. Field Tips and TricksThe hosts share practical technician tips, including: Bucket testing procedures  Using plasticine and Blu Tack for temporary line isolation  Why proper expansion plugs matter  Temporary repair products that actually work  The dangers of underground rubber couplers  Repair materials for emergency situations These small tricks can save technicians hours of frustration in the field. Key TakeawaySuccessful leak detection is built on a systematic process of elimination. Start with the obvious, verify assumptions, test methodically, and know your limitations. Whether you're using a simple dye syringe or advanced acoustic equipment, the goal remains the same: gather evidence, eliminate possibilities, and follow the facts until the leak reveals itself. Connect With Talking PoolsHave a topic suggestion or a question you'd like answered on a future episode? Support the showThank you so much for listening! You can find us on social media:FacebookInstagramTik TokEmail us: talkingpools@gmail.com

In today's episode of the Tactical Dent Tech Podcast, I'm unpacking one of the biggest realizations I've had after this recent hail season: Is high volume really the best business model anymore? After running full throttle for the last month and a half, dealing with packed shops, overwhelmed logistics, insurance bottlenecks, storage issues, delayed approvals, supplements, and technician management — I'm stepping back and evaluating what actually makes sense moving forward. In this episode, I break down: The reality of running a hail shop during a major storm Why State Farm, USAA, and Allstate are disrupting the process Long approval times and supplement delays The hidden cost of storage and tied-up shop space Why body shops become bottlenecks during hail season High volume vs high profit shop models Whether it makes more sense to chase every car… or maximize every claim Why technician pay and retention matter more than ever How insurance company relationships are changing the game Thinking long-term: shop growth, acquisitions, and retirement strategy The truth is, hail repair logistics are changing fast. Insurance companies are tightening the process, approvals are slower, and independent shops are being forced to rethink how they operate. At some point, every shop owner has to ask themselves: Do I want to do more cars… or make more money per car? This episode is an honest look at what happens after the storm settles down and you finally have enough breathing room to evaluate what worked, what didn't, and where the future of your business is headed. Topics Discussed: Paintless Dent Repair (PDR), hail repair business, hail shop logistics, State Farm claims, USAA hail claims, Allstate hail claims, insurance supplements, PDR shop growth, technician retention, hail estimating, CCC1, storage fees, hail damage operations, PDR business strategy, high volume vs high profit, EOS meetings, scaling a dent business, technician pay, shop systems.

Today's episode continues the saga from last week's episode (“Are Accurate Estimates Important?”). Dr. Kuba continues to unpack details about a disgruntled parent in her practice that ended up with an unexpected bill of $1,700. Today, they discuss more oversights from the team including coordination of benefit issues (involving primary and secondary insurance), miscommunication to the parent when insurance failed to pay, and failing to advocate for the parent to pursue better reimbursement from insurance. Alongside the inaccurate estimate, these missteps have Dr. Kuba and Bethany evaluating what to do with this parent and with the team. They conclude the episode with a detailed account of how they responded to the parent's disgruntled email. Deep and meaningful tips are included in this episode PLUS so much more in the June bonus episode.

One of the most expensive and worrisome immediate impacts of climate change and the weather disasters it spawns is the fast-rising cost of homeowners insurance. Here in North Carolina and in many parts of the country, these soaring costs are a big contributor to the housing affordability crisis that plagues so many communities. As Newsline learned in a recent conversation with Natural Resources Defense Council climate adaptation expert, Dr. Hope Thompson, there are several practical and affordable regulatory steps that we can take to address the problem – steps that will both make buildings more resilient and assure the availability of affordable homeowners insurance in the future. Click here to listen to the full interview with Natural Resources Defense Council climate adaptation expert, Dr. Hope Thompson. Click here to read Dr. Thompson’s latest commentary: Navigating North Carolina's home insurance affordability crisis 

In this episode of Referrals Done Right, Scott sits down with Bradley Hamner, founder of Blueprint OS, co-owner of Freedom Exteriors and host of the Above the Business podcast. Bradley shares his journey from overwhelmed entrepreneur and self-described "rainmaker" to becoming the architect of a business that can grow without depending on him for every decision. Together, they explore why so many business owners become the bottleneck in their own companies and how shifting from doing everything yourself to building systems, teams and structure creates the foundation for sustainable growthThe conversation dives deep into business ownership, leadership, and personal growth. Bradley explains the importance of getting "above the business" to gain perspective, developing a clear vision for the future and creating documented processes that allow a company to operate more effectively. Along the way, he shares lessons learned from burnout, the value of surrounding yourself with the right people and why business owners need to stop relying solely on hard work and start thinking like architects. This episode is packed with practical insights for entrepreneurs who want to build a business by design instead of by default.You Will Learn:• Why many entrepreneurs become the bottleneck that limits their own growth• The difference between being a rainmaker and becoming the architect of your business• How vision, systems, and team development create scalable growth• Why getting outside your business can provide the perspective needed to make better decisions• The key components of a business blueprint that allows a company to operate with less owner dependency---Bradley Hamner's Links:Podcast - https://www.abovethebusiness.coWebsite - https://bradley.blueprintos.com---Scott Grates' Links:Referrals Done Right - https://www.referralsdoneright.orgReferrals Done Right FB Group - https://www.facebook.com/groups/296359076662332Scott Grates Website - https://www.scottgrates.comLove Living Local  - https://www.instagram.com/lovelivinglocal315Scott's FB - https://www.facebook.com/scott.grates.1Scott's - https://www.instagram.com/scottgratesTikTok - https://www.tiktok.com/@scott.grates

Picture this. You step out of your shower, and straight through the tiles of your bathroom floor. Then you find you can't claim the repairs on insurance. It's one of a growing number of cases dealt with by the Insurance and Financial Services Ombudsman that relate to gradual damage. Money correspondent Susan Edmunds spoke to John Campbell.

TODAY ON THE ROBERT SCOTT BELL SHOW: LIVE in Reno Nevada, Dr. Frank Shallenberger, Doctors Declare War On RFK, Data Center Standards, Big Insurance Threat, Health Markers, Acid Reflux Remedies, Michael Boldin, Gaspee Affair, Ignorance Fuels Tyranny, Compliance Destroys Freedom, Liberty Surrendered, and MORE! https://robertscottbell.com/doctors-vote-for-war-with-rfk-data-center-standards-rejected-big-insurance-threat-questions-about-health-markers-and-acid-reflux-remedies-michael-boldin-gaspee-affair-ignorance-fuels-tyranny-co/ Purpose and Character The use of copyrighted material on the website is for non-commercial, educational purposes, and is intended to provide benefit to the public through information, critique, teaching, scholarship, or research. Nature of Copyrighted Material Weensure that the copyrighted material used is for supplementary and illustrative purposes and that it contributes significantly to the user's understanding of the content in a non-detrimental way to the commercial value of the original content. Amount and Substantiality Our website uses only the necessary amount of copyrighted material to achieve the intended purpose and does not substitute for the original market of the copyrighted works. Effect on Market Value The use of copyrighted material on our website does not in any way diminish or affect the market value of the original work. We believe that our use constitutes a 'fair use' of any such copyrighted material as provided for in section 107 of the U.S. Copyright Law. If you believe that any content on the website violates your copyright, please contact us providing the necessary information, and we will take appropriate action to address your concern.

Morris Chen, Portfolio Manager and Head of CMBS & CRE Debt Investments at DoubleLine Capital, and Robert Stanbrook, Portfolio Manager for the firm's CRE Loan Platform, join Stewart Foley to explore how commercial mortgage loans can help insurers navigate today's investment landscape. Together, they discuss the differences between CMLs and CMBS, the benefits of portfolio customization, and why these strategies continue to play an important role in balancing yield, duration, and capital efficiency.    The conversation also dives into DoubleLine's underwriting philosophy, the importance of borrower quality and loan structure, and how insurers across life, annuity, P&C, and health sectors can tailor commercial mortgage allocations to meet their unique balance sheet objectives. For insurance investors looking to better understand the asset class, this episode offers a practical framework for evaluating both the opportunities and the risks.

May News You Can Use Burnout, Bots, and Bada Bing Medical burnout isn't caused by “the wrong people” entering medicine, the system itself is chewing people up and calling it resilience; AI “never skilling” may create doctors who can use the tools but never fully develop the skills behind them; Insurance companies love second-guessing physicians while avoiding accountability - if they deny care, they should own the liability too; LinkedIn recruitment scams are getting absurdly sophisticated, but “totallylegitrecruiter@gmail.com” is still a red flag; Raul Castro accidentally looking like Uncle Junior from The Sopranos confirmed that reality now has worse writers than HBO. To stream our Station live 24/7 visit www.HealthcareNOWRadio.com or ask your Smart Device to “….Play Healthcare NOW Radio”. Find all of our network podcasts on your favorite podcast platforms and be sure to subscribe and like us. Learn more at www.healthcarenowradio.com/listen

In just twelve months, the conversation around Agentic AI in insurance has changed dramatically.  What began as curiosity about autonomous AI agents has evolved into a much more practical discussion about implementation, governance, economics and competitive advantage.  In this special solo episode, InsTech's Zoja Wojcik reflects on the developments that have shaped the market since InsTech's first Agentic AI event in November 2025. Drawing on conversations with insurers, brokers, MGAs, technology providers and industry leaders, she explores how the industry has moved beyond experimentation and towards a more challenging question: where does the commercial value actually come from?  Along the way, you'll hear insights from Simon Torrance, Erdal Atakan, Gina Gill, Elena Maran, Max Richter and Ian Thompson, alongside examples of how organisations including CFC, McGill & Partners, AIG, Duck Creek and hyperexponential are bringing Agentic AI into real insurance operations.  Whether you're still trying to understand what Agentic AI means for insurance or already evaluating deployment opportunities, this episode offers a practical snapshot of where the market stands today and the questions leaders should be asking next.  Want to continue the conversation? Join us in London on July 7 for 'The age of Agentic AI: from strategy to commercial value'. In this episode:  00:00 - What is Agentic AI and why has it become one of insurance's most discussed technologies?  03:15 - Looking back at the industry's first major Agentic AI event in November 2025  05:45 - Simon Torrance on why Agentic AI should be viewed as a new workforce, not simply another software tool  06:20 - Early deployment examples from across the insurance market:  CFC's Lane Assist   McGill & Partners and Salesforce Agentforce   AIG's AI-driven underwriting initiatives   Federato's agentic underwriting platform   hyperexponential and Banyan Risk   Duck Creek's insurance-native Agentic AI platform   08:15 - Why moving from pilot projects to production remains difficult  10:00 - The defining question of 2026: proving commercial value and ROI  12:15 - Intelligence Capital, competitive advantage and why buying AI tools may only create parity  13:30 - Orchestration, governance and maintaining trust in agentic systems  15:00 - Workforce transformation and practical lessons for insurance leaders  16:00 - What questions should insurance organisations be asking next?  Key takeaways:  The industry conversation has shifted from experimentation towards implementation and measurable business outcomes.   Many of the biggest barriers to adoption are organisational rather than technical.   Boards increasingly expect clear economic justification for AI investment.   Competitive advantage may come less from AI models themselves and more from institutional knowledge and decision-making expertise.   Governance frameworks must evolve alongside increasingly autonomous systems.   Organisations that focus on specific business problems are more likely to succeed than those pursuing AI for its own sake.   Featured contributors:  Simon Torrance, AI Risk   Erdal Atakan, Inigo   Gina Gill, Apollo   Elena Maran, Alethesis AI   Max Richter, Mea platform   Ian Thompson, IMT Advisory  Further reading:  For listeners looking to explore the themes discussed in this episode:  Agentic AI & insurance  Podcast episode: Where is the industry today? – a view from the C-suite (A rare C-suite perspective on Agentic AI: what it is, how it's being deployed and why senior leaders are walking a tightrope between bold innovation and operational risk.)  CFC launches Lane Assist, a live agentic underwriting pilot  McGill & Partners becomes first London Market broker to deploy Agentic AI  McGill + AIG collaboration using AI-driven underwriting  Duck Creek launches insurance-native Agentic AI Platform  Federato RiskOps and Agentic underwriting platform  MGA Banyan Risk deploys hx's full agentic underwriting suite  Strategy & commercial value  Simon Torrance's work on Intelligence Capital   AI Risk research on Agentic AI and enterprise transformation   InsTech & ServiceNow New York event: The future of insurance will be orchestrated, not built  Governance & Responsible AI  Article: The New Frontier: Managing and insuring generative and agentic AI risks with Edinburgh Futures Institute  Podcast episode: Creating a new kind of assurance & insurance framework for AI-related risks (This episode unpacks one of the most ambitious research initiatives currently shaping the future of AI risk in insurance.) 

In today's Ask Abundance, I'm joined by Abundance consultant Rebecca A.E. Smith, Ph.D., and we're talking about dropping insurance panels. Specifically, the part nobody warns you about: the fear. We're getting into why the timing is never going to feel right, what it actually looks like to make this move strategically without blowing up your income, and why having a needle-thin niche is the thing that makes all of it possible. Rebecca did this herself and her life is so much better on the other side. Come hear what she has to say.  Sponsored by TherapyNotes®: Looking to switch EHRs? Try TherapyNotes® for 2 months free by using promo code ABUNDANT at therapynotes.com. Links You'll Love: You've known for a while that the platforms aren't working for you. Platform to Private Pay is a 12-week group program that walks you through the transition, without abandoning your clients or tanking your income while you figure it out. Doors open June 29. Join the waitlist: www.abundancepracticebuilding.com/platform    Need help building and filling your practice? Join the Abundance Party today and get everything you need — courses, trainings, scripts, templates, monthly group calls — for just $345: www.abundancepracticebuilding.com/party   Get your FREE weekly worksheet and other helpful practice-growing tools here: www.abundancepracticebuilding.com/links

Nicolas Lares explains how real estate investors can turn insurance costs into profits using captive insurance — a strategy Fortune 500 companies have used for decades.In this episode of RealDealChat, Jack Hoss sits down with Nicolas Lares, founder of InsurTech, to break down captive insurance — what it is, how it works for real estate investors, and why most investors have never heard of it until now.Nicolas built his career helping run one of Amazon's largest logistics insurance networks before founding InsurTech, where he now helps real estate investors co-own the very insurance company that covers their portfolio.Topics covered include:What captive insurance is and how it differs from traditional insuranceHow investors collectively pool premiums and recapture unused profits at year-endWhy REITs and institutional funds have used this model for decadesHow a single-property investor can get started (yes, even one townhouse)The 80-unit Georgia example where an owner ended the year with a net surplus of $1,500 instead of an insurance expenseHow renters insurance can be stacked into the captive to offset property-level costsWhat traditional brokers say against captives (and why their incentives are misaligned)How InsurTech insures over 1 million doors across the USHow Nicholas is using Claude Code to automate proposal and compliance workflowsRapid fire: the lie investors tell themselves about assumptions and underwritingIf insurance feels like a sunk cost in your portfolio, this episode will change how you look at it.

The cash-based pivot sounds clean from the outside. You stop billing insurance, you raise your rates, you take control of your schedule. Simple.What nobody tells you is what the middle looks like.The week your in-network referral sources go quiet and you wonder if you made a mistake. The patient who pushes back on your new rate and you feel the urge to discount. The 47th day when the cash caseload isn't full yet and the old panel is thinning and you're doing math on a napkin at 11pm trying to figure out if this is working.That's the part of the pivot nobody coaches you through. Until now.In this episode, Kelly walks through the full 90-day cash-based pivot — not the highlight reel, but the actual playbook. Days 1-30: pricing, positioning, and the one patient conversation you have to have before you change anything. Days 31-60: stopping new in-network referrals without destroying your referral relationships. Days 61-90: letting the panel die through attrition while the cash caseload fills the gap.And the part nobody puts in the webinar — the emotional and financial realities of the middle 30 days, and why that's exactly when most providers turn back.By the end of this episode, you'll have the full 90-day map — and you'll know what to expect when it gets hard.KEY TAKEAWAYSThe cash pivot fails in the first 30 days when providers skip the pricing and positioning work before they stop taking new in-network patientsDays 31-60 are the hardest — not because the model doesn't work, but because the old panel is thinning before the cash caseload is fullAt $250/visit on a lighter schedule, the math works out better than most providers expect — but you have to get through day 47 first

RaeAnn Tucker joined Wake Up Tri-Counties to discuss the Better Birth Outcomes Program, PrEP and HIV Prevention Programs, Family Health and Fitness Day, National Community Health Improvement Week, Men's Health Month, and Insurance Navigators at the Henry County Fair. Henry and Stark County Health Departments and First Choice Healthcare are spotlighting several June health programs. Expecting parents and families with babies under six months can enroll in the free Better Birth Outcomes program for nurse-guided pregnancy and newborn support. June also brings Pride Month HIV prevention services, including confidential testing, counseling, and access to PrEP or PEP. Men's Health Month lab discounts include thyroid, prostate, and colon cancer screenings. Insurance navigators will also be at the Henry County Fairgrounds in Cambridge June 17th through 19th. For clinic appointments, call Kewanee at 309-852-5272 or Toulon at 309-852-3115.

It's the halfway point of 2026. Do you know if your retirement plan is on track? In this episode of Safer Retirement Radio, Brian Decker and Arrin Wray of Decker Retirement Planning walk through their mid-year review process: what to check, what to question, and where the common blind spots are. What this episode covers: • The mid-year checklist: portfolio allocation, spending versus budget, and whether your 401(k), IRA, Roth, and HSA contributions are still on pace • Why set-percentage withdrawal rules like the 4% approach can fall short in a flat market cycle, and how Decker structures income across emergency cash, principal-protected accounts, and a separate risk bucket • Brian's case against traditional quarterly rebalancing, and how relative strength, sector rotation, and momentum strategies shape what Decker clients own right now • What history shows about market valuations above 30 times trailing earnings, and the two ways portfolios have historically generated returns in flat market cycles • The disconnect between record stock prices and a squeezed economy: layoffs, flat unemployment, and why half the country feels it differently than the other half • The mindset shift from saving to spending, including how retirees can think about emergency cash and permission to actually use the money they spent decades building If you're within a few years of retirement, or already there, this episode lays out the questions worth asking before the second half of the year. Schedule a no-cost conversation: 833-707-3030 Free resources, including Brian's book The Decker Approach and a sample income plan, are available at DeckerRetirementPlanning.com under Safer Retirement Education. Serving families in Salt Lake City, Seattle/Bellevue, and the Bay Area, and virtually nationwide. Investment advisory and insurance services offered through Decker Retirement Planning, Inc., a registered investment advisor. Investing involves risk, including the potential loss of principal. Any references to protection or safety generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims-paying ability of the issuing carrier. This show is for informational purposes only and is not tax or legal advice. This radio show is a paid placement.

John is joined by Jeffrey N. Boozell and Christopher Tayback, both partners in Quinn Emanuel's Los Angeles office. They discuss wildfire litigation as a specialized and rapidly growing area of law, driven by increasingly destructive fires in California and other western states. What began as a relatively limited practice in the 1990s evolved into a major practice area after large California wildfires generated thousands of property loss claims and billions of dollars in damages. Jeff and Chris explain how these cases are structured, the legal theories involved, and the challenges of compensating victims.Wildfire cases are generally mass torts rather than class actions. Because each homeowner suffers different losses and faces unique causation issues, claims are coordinated before a single judge but remain individual lawsuits.These cases are typically brought against utilities, governments, and private entities that plaintiffs allege bear some responsibility for the disaster. One of the most important legal doctrines in California is inverse condemnation, which imposes liability on public utilities when infrastructure serving the public causes property damage. Under this doctrine, utilities may be responsible for property losses even without proof of negligence, distinguishing California wildfire litigation from cases in many other states.Utilities are also frequently defendants because fires are often linked to power lines, equipment failures, vegetation management issues, or other infrastructure-related problems. Various ignition scenarios may occur, including power lines striking each other in high winds, trees coming into contact with power lines, and improperly maintained equipment. For example, in the Eaton Fire, evidence shows that an old, unused power line was not properly grounded, leading to sparks that ignited the fire. In the Palisades Fire, the Los Angeles Department of Water and Power emptied the Santa Ynez Reservoir to carry out repairs and left it empty for an extended period. As a result, firefighting helicopters were unable to collect and drop water from the reservoir, and eventually, fire hydrants in the area ran dry. Utilities understand these risks but often fail to implement adequate preventive measures.Despite involving enormous losses and thousands of claimants, major California wildfire cases rarely reach trial. Instead, courts establish coordinated proceedings, identify bellwether cases, and encourage settlement through mediation programs or compensation funds. Insurance payments often cover only part of a homeowner's losses, leaving substantial uninsured damages and emotional distress claims to be pursued through litigation.The scale of the 2025 Los Angeles-area fires is unprecedented. Estimated damages exceed $200 billion, underscoring why wildfire litigation is likely to remain a significant area of legal practice for years to come.Podcast Link: Law-disrupted.fmHost: John B. Quinn Producer: Alexis HydeMusic and Editing by: Alexander Rossi

Amazon's expansion into the LTL market is raising big questions across the transportation industry. In this episode, Craig Fuller, Tom Albrecht, and attorney Matt Leffler examine why Forward Air could be a strategic acquisition target for Amazon and what such a move would mean for carriers, brokers, and shippers. The conversation explores Forward Air's unique airport-to-airport network, the controversial Omni Logistics merger, and the legal battles that reshaped one of freight's most closely watched companies. The panel also breaks down Amazon's growing logistics ambitions and whether it can successfully build or buy its way into the LTL sector. Beyond M&A, the discussion turns to trucking safety, insurance requirements, freight fraud, FMCSA reforms, and the industry's ongoing struggle with outdated regulations. The hosts analyze proposed safety initiatives from the Truckload Carriers Association, debate higher insurance minimums, and discuss why stronger oversight of CDL training, ELD certification, and carrier registration could reshape the trucking landscape. ⁠Follow the Freight Expectations Podcast⁠ ⁠Other FreightWaves Shows⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

Episode #1369: Toyota continues to dominate shopper demand while affordable inventory gets harder to find, EV insurance costs are finally moving closer to gas-powered vehicles, and Jeep launches a delightfully absurd promotion that could put 100 George...

In Episode 112 of Law and Mortar, Trent Cotney and John Kenney discuss two topics that are top of mind for contractors: emerging opportunities in data center construction and the rising challenge of insurance renewals and risk management.As data centers and warehouses continue to drive construction activity, Trent explains why contractors should capitalize on these opportunities while recognizing that market conditions can change quickly.The conversation then shifts to one of the largest expenses facing contractors today—insurance. John shares why successful renewals begin long before policies expire and why partnering with the right insurance professionals can significantly impact both coverage and cost.Topics include:• The current boom in data center and warehouse construction • Why contractors should avoid assuming today's opportunities will last forever • Insurance renewals and proactive planning strategies • Building effective risk management programs • Finding insurance agents who truly understand construction and roofing • Why coverage and expertise matter more than simply chasing the lowest price • Updates on the upcoming FRSA 104th Convention and ExpoWhether you're evaluating new markets or preparing for your next insurance renewal, this episode provides practical advice to help protect your business and improve profitability.

Gas prices remain elevated nationwide, averaging about $4.10 per gallon, while California leads the country near $5.78. In Fresno, drivers are paying roughly $4.65 to $5.95, depending on the source and station. Please Like, Comment and Follow 'Broeske & Musson' on all platforms: --- The ‘Broeske & Musson Podcast’ is available on the KMJNOW app, Apple Podcasts, Spotify or wherever else you listen to podcasts. --- ‘Broeske & Musson' Weekdays 9-11 AM Pacific on News/Talk 580 AM & 105.9 FM KMJ | Facebook | Podcast| X | - Everything KMJ KMJNOW App | Podcasts | Facebook | X | InstagramSee omnystudio.com/listener for privacy information.

Insurance organizations unlock the greatest value from AI not by improving algorithms alone, but by embedding AI into customer education, data intake and analysis, and workflow guardrails that … Read More » The post Embedding AI Into Insurance Workflows: Where the Real Transformation Happens appeared first on Insurance Journal TV.

Paul Andrews and Mark Elliott of PoloWorks join us to discuss how insurers can access,operate, and scale across the Lloyd's and broader insurance market. Drawing on decades ofexperience across underwriting, reinsurance, and operations, they share how PoloWorks issimplifying complexity through turnkey managing agency solutions, outsourced services, andsupport across the full insurance lifecycle.

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Send us Fan MailEnd-of-life planning is about more than death, it's about leaving your family with clarity, stability, and peace of mind.On this episode of The Get Ready Money Podcast, I spoke with Greg Barnsdale, death doula and author of Do Not Ignore Your Mortality about why end-of-life planning is one of the most meaningful acts of preparation we can make for our families.

At 20 years old, newly arrived from Puerto Rico and trying to build a future in science, Benjamin Suarez Jimenez found himself sitting in front of two senior faculty members accused of plagiarism. He knew the material. He had done the work. His mistake came from failing to cite class notes during an exam because nobody had told him that was expected. In a matter of minutes, he watched what felt like his entire career flash before him.On this episode of Standard Deviation, host Oliver Bogler examines the hidden architecture of academic science through the experiences of Dr. Benjamin Suarez Jimenez, Assistant Professor at the University of Rochester and a neuroscientist studying PTSD, anxiety, trauma, and spatial cognition through virtual reality and video game environments.Benjamin traces his path from Puerto Rico to the mainland United States, through the NIH, Columbia University, and eventually to leading his own laboratory. Along the way, he encountered a series of barriers that had little to do with scientific ability and everything to do with access to unwritten rules. From academic gatekeeping to grant writing expectations, he learned that success in biomedical research often depends on knowledge that never appears in a textbook.Oliver explores how those invisible obstacles shape careers, influence research funding, and determine who gains access to opportunity. The conversation also examines the Justice, Equity, Diversity, and Inclusion Program at the Life Science Editors Foundation, which pairs scientists from underrepresented backgrounds with experienced scientific editors. Through that mentorship, Benjamin transformed a critical grant proposal into a successful pilot award that helped launch an NIH R01 application.The discussion extends beyond one scientist's experience. Benjamin describes helping a former mentee navigate dissertation roadblocks that threatened her graduation, illustrating how institutional bureaucracy can delay careers and discourage talented researchers. Together, they explore the hidden administrative burden, cultural barriers, and bias that many scientists carry alongside their research, and what happens when someone who receives support turns around and opens the door for others.RELATED LINKSLife Science Editors FoundationBenjamin Suarez Jimenez LabDr. Benjamin Suarez JimenezBenjamin Suarez JimenezFEEDBACKLike 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 week's episode of the Insurance Town Podcast, I got to sit down with my good friend Carl Ziade, co-founder of Gaia, for a conversation about innovation, entrepreneurship, AI, and what it really takes to drive meaningful change inside an insurance agency.One of the things I appreciate most about Carl is that while he's a technologist at heart, he understands that technology alone doesn't solve problems. Process comes first. People come first. Technology simply helps great organizations execute better.Carl's journey is a fascinating one. As a Lebanese immigrant and Stanford-trained computer scientist, he didn't originally set out to build solutions for the insurance industry. In fact, Gaia emerged after lessons learned from a completely different startup venture. What followed was a relentless focus on listening to customers, solving real-world problems, and building tools that help insurance professionals eliminate repetitive work and focus on higher-value activities.In our conversation, we discuss:• Carl's entrepreneurial journey and path into insurance technology• The lessons learned from early startup failures and pivots• Why customer feedback should drive product development• The importance of strong business partnerships and company culture• Why process matters more than technology• Practical strategies for AI adoption inside insurance agencies• How Gaia's browser extension automates repetitive data entry• The power behind Gaia's "super copy" and "super paste" functionality• Change management and gaining team buy-in for new technology• What's next for Gaia and the future of data enrichment in insuranceOne of my favorite takeaways from this conversation is Carl's advice to start small. Too many agencies feel like they need a complete transformation overnight. The reality is that successful AI adoption often starts with one process, one workflow, and one win. Build momentum, create confidence, and then scale from there.If you've been wondering how AI can help your agency become more efficient without disrupting everything you're already doing, this episode is packed with practical insights you can apply immediately.Pull up a chair, grab your favorite beverage, and enjoy my conversation with Carl ZiadeA special thank you to our sponsors for supporting the Insurance Town Podcast:• Canopy Connect, helping agents collect verified insurance information from prospects in minutes.• 1Fort, helping agencies streamline commercial insurance submissions and placement through AI-powered workflows.• MAV, helping agencies scale smarter sales and close more deals with Texting to quality quote and connect prospects with your producersWe appreciate their support and their commitment to helping insurance professionals build better businesses.

Send us Fan MailThis week on the Talking Pools Podcast, Wayne Ivusich and Steve Sherwood take listeners on a journey through some of the strangest, funniest, and most unforgettable experiences pool professionals encounter in the field. What begins as a discussion about a pool overrun with frogs quickly evolves into a collection of stories that highlight the reality of working around water every day. Wayne and Steve invite listeners to share the weirdest things they have ever discovered in skimmer baskets and pool systems, leading to stories involving snakes, squirrels, possums, underwear, rodents nesting beneath winter covers, and even a horse that found its way through a safety cover and into a swimming pool. The conversation is both humorous and educational, reminding listeners that no two days in the pool industry are ever the same. The episode then shifts to a more serious discussion about water clarity and swimmer safety. Wayne recounts a tragic real-world drowning incident in a cloudy public pool, emphasizing why clear water is not simply an aesthetic goal but a critical life-safety requirement. The hosts discuss why operators should never compromise visibility standards and why maintaining proper filtration and water chemistry remains one of the most important responsibilities in aquatic operations. Steve also addresses the growing trend of misleading social media pool "miracle fixes" and viral videos that promise instant water recovery through tablets or additives. The hosts explain why proper pool chemistry does not work that way and encourage listeners to be skeptical of products that appear too good to be true. In this week's insurance segment, Steve is joined by Pat from California Pool Association Insurance Services to continue their discussion about a unique consulting project involving pools at a doggy daycare facility. The conversation explores liability concerns, insurance requirements, hold-harmless agreements, commercial pool responsibilities, and the challenges of maintaining aquatic facilities that are operated by people whose primary focus is animal care rather than water management. The discussion provides valuable insight for service companies considering unusual or high-liability clients. The second half of the episode dives deep into robotic pool cleaners, filtration systems, and service efficiency. Steve explains why robotic cleaners have become essential tools for modern pool professionals, discusses the pros and cons of suction-side, pressure-side, corded, and cordless cleaners, and shares how automation can dramatically improve service quality while reducing labor hours. The hosts also discuss customer expectations, communication, and the importance of establishing clear responsibilities between pool professionals and facility operators. Finally, Wayne and Steve discuss professional education, the value of Certified Pool Operator (CPO) training, and opportunities for experienced professionals to become CPO instructors themselves. The conversation highlights how education improves safety, builds confidence, creates additional revenue opportunities, and helps elevate professionalism throughout the industry. Topics Covered Weirdest things ever found in skimmer baskets  Wildlife encounters in swimming pools  Pool safety and water clarity  Real-world drowning prevention lessons  Social media pool chemistry myths  Doggy daycare pool liability concerns  Insurance and hold-harmless agreements  Commercial pool management challenges  Robotic pool cleaners and automation  Sand filters vs. cartridge filters  Customer expectations and communication  CPO certification and instructor training  Building a stronger pool service business Connect With Talking Pools

Everybody says trucking is broken. Rates are soft. Insurance costs are crushing carriers. Operating expenses keep climbing. Every week another trucking company shuts its doors, another owner-operator parks the truck, and another driver wonders if it's still worth it. So here's the question: If trucking is so bad right now, how are some fleets and owner-operators still finding a way to win? On this episode of Brake Check, Charles Gracey sits down with two trucking leaders attacking that problem from completely different angles. JR Elrod, President of BAR Transportation, a 30-year trucking veteran who spent more than two decades hauling heavy freight before building a specialized carrier focused on government, project, and niche freight. Tyler Johnston, General Manager of Mercer Transportation, one of North America's most successful owner-operator carriers, with more than 2,200 contractors and nearly 50 years in business. Topics include: Owner-Operator Survival in 2026 Open Deck & Heavy Haul Freight Trends Soft Freight Markets & Rising Costs Driver Retention & Profitability Insurance Costs Crushing Trucking Carrier-Broker Relationships Small Fleet Survival Strategies The Future of Independent Trucking Whether you're an owner-operator, fleet owner, company driver, broker, shipper, or simply trying to understand where trucking is headed next, this conversation delivers real-world strategies from people living it every day. Question for the comments: What's the biggest challenge facing trucking right now: rates, insurance, regulations, freight, or something else? #Trucking #OwnerOperator #Freight #Logistics #TruckDriver #CDL #FreightWaves #BrakeCheck #Transportation #HeavyHaul #OpenDeck #TruckingIndustry #SupplyChain #OwnerOperators #Truckers Follow the Brake Check Podcast Other FreightWaves Shows Learn more about your ad choices. Visit megaphone.fm/adchoices

061126 Scott Adams Show, Insurance, Finance, and Supply Chain Impact on War Strategy, Dumocrat hypocrisy

Should you invest in therapy, coaching, or both? And why does this question somehow feel more stressful than picking a health insurance plan? (Which, admittedly, is a very low bar.)In this episode, I'm answering some of the most common questions I hear about coaching and therapy. We talk about whether a degree automatically makes someone better at helping people, why insurance-covered therapy isn't always the bargain it seems, how to choose the right person to support your growth, and why fit matters more than most people realize. Along the way, I share a few stories from my own experiences, including a truly unforgettable 15-minute mental health appointment that left me wondering if I needed therapy for the therapy.Most importantly, we're talking about the return on investment of working on yourself. Because while a bigger house, a fancy car, or a dream vacation can be lovely, you're still bringing the same brain along for the ride. The skills that help you process emotions, set boundaries, challenge old beliefs, and stay calm when life gets messy? Those are gifts you get to keep forever. If you've been wondering whether investing in your emotional well-being is worth it, this episode is for you.CALM YOUR TITSWhat's that? It's Sarah's six-month nervous system coaching program for humans who are neurodivergent, sensitive, and highly creative. Learn to rewire your brain for calm, load up your stress toolkit, and address the root causes of overwhelm — all while having fun and sprinkling in plenty of unconscious change magic. To learn more and get started, schedule your

Annual Forage Insurance Options Controlling Weeds Before Wheat Harvest Warm Season Grasses   00:01:05 – Annual Forage Insurance Options: K-State's Jenny Ifft and John Holman start the show as they explain annual forage insurance and how producers can use it in their operation as a risk mitigation tool. Webinar Slides and Recording AgManager.info   00:12:05 – Controlling Weeds Before Wheat Harvest: Sarah Ganske and Jeanne Falk Jones from K-State continue today's show as they discuss weed control before wheat harvest and why it is crucial to get control before the combine gets in the field. Agronomy eUpdates   00:23:05  – Warm Season Grasses: Ending the show is K-State Extension horticulture expert, Matt McKernan, as he talks about some of the benefits of warm season grasses — which can still be established through mid-summer.     Send comments, questions or requests for copies of past programs to ksrenews@ksu.edu.   Agriculture Today is a daily program featuring Kansas State University agricultural specialists and other experts examining ag issues facing Kansas and the nation. It is hosted by Shelby Varner and distributed to radio stations throughout Kansas and as a daily podcast.   K‑State Extension is a short name for the Kansas State University Cooperative Extension Service, a program designed to generate and distribute useful knowledge for the well‑being of Kansans. Supported by county, state, federal and private funds, the program has county Extension offices statewide. Its headquarters is on the K‑State campus in Manhattan. For more information, visit Extension.ksu.edu. K-State Extension is an equal opportunity provider and employer.

Porterflute Pod Season 9 Ep. 1 features Jack Schoenfeld from Clarion Insurance. Check out the podcast at porterfllute.com Check out Amy Porter at amyporter.com Check out Clarion Insurance at clarionins.com

As patients increasingly seek more personalized and preventative health care, practices are rethinking traditional care models. In this episode, Dr. Matti Palo, a board-certified orthopedic surgeon and entrepreneur, shares how he integrates wellness, direct care concepts, and emerging therapies into his practice while navigating the complexities of balancing cash-pay services with insurance-based care. Tune in to learn what it takes to build a modern health care practice that aligns innovation with patient expectations and regulatory realities, and how a disciplined, patient-centered approach can position practice owners for the future.  Chapters00:00 Intro00:50 Banter04:36 Guest background07:24 Talk about your path from physicist to board-certified orthopedic surgeon. 09:10 Tell us about your practice.10:36 Why are you moving from traditional orthopedics into wellness?15:56 Do you have a mix of cash pay and insurance?18:57 How should providers talk about wellness with the current risks and FDA uncertainty?26:04 How will wellness impact orthopedics within the next 5-10 years?29:10 Access+29:45 Legal Takeaways30:22 OutroWatch full episodes of our podcast on our YouTube channel: https://www.youtube.com/@byrdadatto  Stay connected for the latest business and health care legal updates:WebsiteFacebookInstagramLinkedIn

Tired of watching your auto and homeowners insurance premiums skyrocket? Good news: There are some simple ways to save money on both. The massive run-ups in auto insurance are finally slowing down, and there are concrete steps you can take right now to lower those bills without just shopping around.  Switching gears, Clark looks at a fascinating and hopeful trend highlighted by The Washington Post regarding how the next generation is fighting screen addiction. With reports showing that 50% of teens spend over four hours a day staring at their phones, a growing number of college students and campus leaders are fighting back. You may be inspired to unplug, step away from the digital noise, and build deeper connections with the people in your life. Plus, Christa shares your #AskClark questions and Clark gives his take. All this and more on the June 8, 2026, episode of The Clark Howard Show. Submit your questions: Ask Clark  Lower Insurance Premiums: Segment 1 Ask Clark: Segment 2 Fight Screen Addiction: Segment 3 Ask Clark: Segment 4 Mentioned on the show: 9 Easy Ways To Lower Your Home Insurance Premiums Your Insurer Owes You a Discount for Taking a Defensive Driving Course in These States Car Insurance Archives - Clark Howard Why Clark Says Everyone Should Have a Dash Cam Homeowners Insurance Archives - Clark Howard Is a Safe Deposit Box Really Safe? - Clark Howard  [The Washington Post] How college students are learning to socialize without cellphones Best Low APR Credit Cards for Carrying a Balance - Clark Howard  Capital One Venture X Rewards Credit Card: 6 Things To Know  Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices. Visit megaphone.fm/adchoices