Podcasts about Insurance

EPISODE DESCRIPTIONBefore she was raising millions to preserve fertility for cancer patients, Tracy Weiss was filming reenactments in her apartment for the Maury Povich Show using her grandmother's china. Her origin story includes Jerry Springer, cervical cancer, and a full-body allergic reaction to bullshit. Now, she's Executive Director of The Chick Mission, where she weaponizes sarcasm, spreadsheets, and the rage of every woman who's ever been told “you're fine” while actively bleeding out in a one-stall office bathroom.We get into all of it. The diagnosis. The misdiagnosis. The second opinion that saved her life. Why fertility preservation is still a luxury item. Why half of oncologists still don't mention it. And what it takes to turn permission to be pissed into a platform that actually pays for women's futures.This episode is blunt, hilarious, and very Jewish. There's chopped liver, Carrie Bradshaw slander, and more than one “fuck you” to the status quo. You've been warned.RELATED LINKSThe Chick MissionTracy Weiss on LinkedInFertility Preservation Interview (Dr. Aimee Podcast)Tracy's Story in Authority MagazineNBC DFW FeatureStork'd Podcast EpisodeNuDetroit ProfileChick Mission 2024 Gala RecapFEEDBACKLike this episode? Rate and review Out of Patients on your favorite podcast platform. For guest suggestions or sponsorship, email podcast@matthewzachary.com.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Fan Mail: Got a challenge digitizing your intake? Share it with us, and we'll unpack solutions from our experience at Cytora.In this episode of Making Risk Flow, host Jake Harding speaks with Ross Wirth, Head of Strategic Tech Ecosystem at CyberCube, about why cyber insurance requires a new playbook for risk assessment. Ross explains how traditional underwriting struggles to keep pace with dynamic security environments, and why real-time data visibility is now essential for identifying concentration risk, single points of failure, and systemic exposures like cloud outages. The conversation explores shifting from static applications to continuous monitoring, balancing AI-driven insights with human judgment, and designing underwriting strategies that prioritise prevention over post-incident repair. Whether you're an underwriter, broker, or cyber risk leader, this episode offers practical guidance on using data intelligently while preserving the relationship-driven core of insurance.To receive a custom demo from Cytora, click here and use the code 'Making Risk Flow'.Our previous guests include: Bronek Masojada of PPL, Craig Knightly of Inigo, Andrew Horton of QBE Insurance, Simon McGinn of Allianz, Stephane Flaquet of Hiscox, Matthew Grant of InsTech, Paul Brand of Convex, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.Check out the three most downloaded episodes: The Five Pillars of Data Analytics Strategy in Insurance | Craig Knightly, Inigo 20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL | Bronek Masojada Implementing ESG in the Insurance and Underwriting Space | Simon Tighe, Chaucer, and Paul McCarney, Moody's

In this episode of Healthcare Americana, host Christopher Habig talks with Tim Hirsch, COO of ShareWELL Partners, about health sharing as a practical and affordable alternative to traditional health insurance. Tim explains how health shares work, why they often cost much less than insurance premiums, and how combining a health share with a DPC or FreedomDoc membership can help protect families from major medical expenses. They also cover common misconceptions, pre-existing condition rules, and the steps members take if they need surgery or face an unexpected health event.More on Freedom Healthworks & FreedomDoc HealthSubscribe at https://healthcareamericana.com/More on ShareWELLFollow Healthcare Americana: Instagram & LinkedIN

Creating a business you love doesn't have to be a fantasy, and in this episode, Libby brings back her best friend and long-time advisor Jen for a real, transparent look at what it takes to reclaim your time, refine your systems, and run a thriving advisory firm with intention.

Today's guest is someone who is running a business that is moving so fast that every time he comes back on the show we have an enormous amount to talk about and this time it is no different. Today Jeff Radke CEO of Accelerant is talking to me after a transformational 12 months that has seen his young business continue its heightened growth and IPO on the New York Stock Exchange. At the Voice of Insurance we have been lucky enough to follow Accelerant's story at first hand since Jeff's first appearance four years ago. The proposition is as tantalising as it has always been. Good MGAs need stable capital, strong underwriting insights and ultra-efficient processes, while insurers, reinsurers and other capital providers want access to stable, diversified portfolios of profitable insurance risk on a meaningful scale. Accelerant's job is to connect everything and everyone up and make sure everybody in the chain can make money and be happy. It sounds simple but in a highly-competitive regulated industry this can be anything but simple in practice. As Accelerant's platform grows and becomes the conduit for low single digit billions in premium volume via over 250 member MGAs, it's more mature state is coming into view. The business is evolving to become something far more like a genuine intelligent insurance exchange and underwriting management platform than a mere fronting or hybrid carrier. This conversation is the best and most transparent I have had with Jeff so far. Talking to Jeff, it's easy to see why so much business has flowed in Accelerant's direction. Jeff has had huge tech-enabled trends on his side, but he also has charisma in abundance, but then so do many in our business. It's only when that charisma is combined with the deep knowledge of someone who has sat at almost all points of the insurance and capital value chain in his career that it becomes such a powerful combination. Listen on – this is a very rich conversation that I can highly recommend to anyone interested in what large swathes of insurance market are going to look like over the next decade and beyond LINKS: We thank our naming sponsor AdvantageGo: https://www.advantagego.com

Send us a textGLP-1 Reality Check: Sleep, Weight Loss & The Truth About New MedicationsIn this episode, Daniel Baughn and Michelle Zetoony dive deep into the realities of GLP-1 medications, their approval for sleep apnea, and the intersection of sleep, weight loss, and modern medicine. They discuss insurance hurdles, clinical trial data, who really benefits from these drugs, and the importance of lifestyle changes alongside medication. If you're curious about GLP-1s, sleep health, or the future of weight loss, this episode is for you!⏰ TIMESTAMPS:00:00 – Welcome & Episode Introduction00:12 – What is the “GLP-1 Reality Check”?00:42 – Insurance Barriers & Paperwork Frustrations01:57 – GLP-1 Approval for Sleep Apnea: What's New?03:49 – Who Should Get GLP-1s? Clinical Trial Insights06:15 – The Problem with Off-Label Prescribing08:00 – Insurance, Cost, and Access Issues10:16 – Comparing GLP-1s to Weight Loss Surgery12:00 – The Role of Lifestyle: Diet, Exercise, and More14:00 – GLP-1s for Joint Pain? Off-Label Uses15:45 – Setting Realistic Expectations for Weight Loss17:30 – Muscle Loss, Diet Quality, and Intermittent Fasting20:00 – Weighted Vests, Resistance Training, and Muscle Mass22:00 – The Food Environment & Societal Challenges24:00 – Oral vs. Injectable GLP-1s: Why Only Injections in the US?26:00 – GLP-1 Parties & The Future of Prescribing28:00 – Obesity as a Medical Condition & Final Thoughts30:00 – Outro & How to Connect

Unlock the most overlooked Thrift Savings Plan (TSP) strategies for federal retirees! This video covers three powerful—but often missed—TSP retirement options that can increase your financial security. Discover:The unique benefits and risks of TSP annuitizationSmart TSP withdrawal strategies for lasting retirement incomeHow to avoid costly mistakes with TSP rolloversWhether you're a federal employee or near retirement, you'll get actionable insights to make confident decisions for your future.

Tip of the day: Stop assuming! It makes you act unintelligently. Two of the most explosive cultural flashpoints of our time collide in this week's episode. We dive into the Epstein saga—not just the victims, perpetrators, and pursuit of justice, but the deeper national crisis it exposes: a culture of secrecy, deception, and lies. We unpack why the cover-ups may be more corrosive than the crimes themselves—and even explore a therapeutic angle. We take another look at America's poison apple: insurance. It's the system nearly everyone has swallowed whole without realizing what they were consuming. We break down how it became so toxic, why it affects every aspect of our lives, and what we can do about it. Email us – healthyperspectives@protonmail.com Podcast home page - www.healthy-perspectives.com/podcast Sponsor/Support – https://healthy-perspectives.com/sponsor YouTube - https://www.youtube.com/channel/UCEXZdWuBoM6KXof4YcP9nkQ Twitter aka X - https://twitter.com/hphonestviews #healthyperspectives #podcast #jeremiah #mentalhealth #counseling #counselor #mindset #culture #socialresponsibility #psychology #clinical #education #walkingwithGod #Jesus #JesusisLord #LoveGod #Loveothers #epstein #insurance #epsteinisland #corruption   

Nathan Riedel, SVP, federal government affairs, Independent Insurance Agents & Brokers of America, discusses how social inflation and litigation funding drive claims costs and premiums, and how agents can educate clients and advocate for reforms.

In this episode, Piotr Piekos sits down with Bernadette Treader, Head of Portfolio Management at Apollo's Smart Follow initiative, to explore how AI and augmented decision-making are reshaping the London market's approach to underwriting. Bernadette shares her journey from traditional actuarial work to leading one of the market's most forward-looking technology initiatives. Together, they discuss the evolution of follow capacity, the balance between automation and human oversight, and how smarter data use can transform underwriting performance.

Join Tony from Cover as he sits down with Danny Collins, the founder and CEO of X'S Sure. Danny shares the origin story of X'S Sure, from its inception in 2004 to its growth over the past two decades. They discuss the innovative solutions X'S Sure offers to cover gaps in traditional policies, such as excess cover, tire insurance, and more. Danny also touches on the challenges of maintaining relevance in a competitive market, the importance of strong broker relationships, and hints at exciting future developments for the company. Don't miss this insightful conversation packed with valuable industry insights and entrepreneurial wisdom.  

Tony at Cover speaks with Daniel Moeti, the Executive Head of Business Development at Hollard Group Risk. Dan shares his extensive career journey from a small town in the Free State, through various educational achievements, to becoming a prominent figure in the insurance industry. He provides insights into his leadership style, the importance of group risk insurance, and advice for young professionals. Dan emphasizes the value of continuous learning, understanding the market, and the collaborative nature of effective leadership.

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Tori removal may not be the most glamorous procedure, but it's one that demands skill, patience, and careful preparation. In this episode of Everyday Oral Surgery, host Dr. Grant Stucki welcomes Dr. Richard Akin, an oral and maxillofacial surgeon in Baton Rouge, to explore the nuances of managing these challenging cases. Dr. Akin reflects on lessons learned from early practice with his father, the unique anatomy and patient factors that complicate these cases, and the importance of knowing when removal is truly indicated. He shares practical techniques for both maxillary and mandibular tori, from flap design to instrument choice. Dr. Akin also discusses the realities of insurance coverage and billing, and how reimbursement rarely reflects the complexity of the work. Along the way, he emphasizes patient communication, setting realistic expectations for recovery, and taking the time needed to avoid complications. Tune in to hear insights that can help you refine your approach and set patients up for better outcomes!Key Points From This Episode:An introduction to Dr. Richard Akin, an OMS in Baton Rouge.Dr. Akin's early training with his father and transition into solo practice.Why tori removal remains a core responsibility of oral surgeons.Indications for removal, from hygiene challenges to painful ulcers.Preparing patients for recovery and setting realistic expectations.Step-by-step techniques for removing maxillary and mandibular tori.Managing thin tissue, closure difficulties, and post-op care.Instrument choices that make tori removal safer and more efficient.Strategies to minimize tearing and ensure proper healing.Recognizing rare complications such as flap necrosis.Why suturing technique and flap care are critical to healing.Dr. Akin's range of patient stories, from food entrapment to denture challenges.Typical healing timelines and patient resilience after surgery.Insurance coverage and billing realities for tori removal cases.Dr. Akin's favorite books, hobbies, and daily practices.Links Mentioned in Today's Episode:Dr. Richard Akin — https://www.drakin.com/ Dr. Richard Akin on LinkedIn — https://www.linkedin.com/in/rick-akin-644aa932/Dr. Richard Akin email — rick@drakin.com Dr. Richard Akin Powerpoint — 7 Goldman-Fox Knife — https://www.hufriedygroup.com/en/dental-knives/7-goldman-fox-knife1/2 Orban DE Knife, EverEdge™ — https://www.hufriedygroup.com/en/dental-knives/1-2-orban-periodontal-knife-0Forceps to extract tooth number five — Hearts in Atlantis — https://www.amazon.com/Hearts-in-Atlantis-Stephen-King-audiobook/dp/B0000547DGSurrender — https://www.amazon.com/Surrender-40-Songs-One-Story/dp/B09ZK1XJ4XHidden Potential — https://www.amazon.com/Hidden-Potential-Science-Achieving-Greater/dp/0593653149The Overstory — https://www.amazon.com/Overstory-Novel-Richard-Powers/dp/039335668XBreaking Bad — https://www.imdb.com/title/tt0903747/Better Call Saul —

Some partnerships in financial services begin with a handshake and end with a contract dispute. Others start with a Sunday morning LinkedIn message and evolve into something that transcends the typical vendor-client relationship. The collaboration between Cross River Bank and Best Egg falls firmly into the latter category. "When we first got into the business, we met several new companies, and some of them were like three guys in a garage," recalls Adam Goller, EVP and Head of Fintech Banking at Cross River.  An impromptu conversation in 2013 between Best Egg's founder and Cross River's CEO would eventually grow into a partnership that has facilitated nearly $35 billion in loans and 2.5 million customers – reshaping the lives of people and communities who were previously underserved by traditional FIS and had limited access to credit. What began as basic loan origination has evolved into sophisticated closed-loop capital market solutions, including the development of Best Egg's "BEAST" securitization platform, which uses Cross River's CRB Securities to package assets for sale to institutional investors. The progression reflects Cross River's willingness and ability to help fintechs climb the rungs of product expansion as they grow: "We have so many use cases where a partner came to us for lending, and that ultimately expanded to a deposit product, a payment service, and a card product," Goller notes. Although partners that offer point solutions can help fintechs get started, they don't set them up for the future. The Cross River - Best Egg partnership shows how the right BaaS and bank partner helps fintechs move beyond the start up mindset with more sophisticated financial support as they mature.  Listen to this conversation to learn about the blueprint fintechs should use to identify the right banking partners at the start and how Cross River can help fintechs look beyond isolated business cases and build long term product road maps, with the support of a large financial institution and the agility of a fintech.

In Episode 274 of the Pool Nation Podcast, Edgar and Zac kick off a new business series by tackling the topic most pool pros feel every day but rarely talk about openly: pricing—and how to build real profit into every single service you offer. Fresh off the Pool Nation Conference, the guys recap the buzz around the $10,000 Pool Pro Challenge, shout out this year's Pool Guy/Girl of the Year and Rookie of the Year winners, and then jump straight into the financial reality of 2025: Equipment prices up 7–9% Chemical costs climbing Insurance and utilities spiking Labor and drive time more expensive than ever Edgar and Zac break down why most pool pros fall behind financially, why so many avoid raising prices until it's almost too late, and how chasing revenue (more pools, more work) instead of margin (profit per pool) keeps you stuck in the grind. Then they dive into the foundation of your financial health: knowing your true cost-per-pool. They walk through: What really belongs in your cost-per-pool Why your “$20 cost” is probably actually $60+ How drive time, callbacks, office labor, and insurance destroy profit when you ignore them The danger of relying only on apps for chemical costs without looking at what actually leaves your bank account This is Part 1 of a multi-episode series on Pricing Power: Building Profit Into Every Service. By the end of this episode, you'll see why you need to know your numbers. In the next episodes, they'll show you how to calculate your cost-per-pool in five minutes, build in margin, raise prices confidently, and keep more of your customers. If you've ever looked at your account balance and thought, “Why am I working seven days a week and still feel broke?” …this episode is for you. ⏱️ Episode Chapters / Timestamps [00:00:00] Intro – Pool Nation Podcast opening & show welcome [00:01:00] Edgar sets the stage – Today's topic: pricing & building profit into every service [00:02:00] Zac on “slow season” that isn't really slow – using this time to dig into the back end of the business [00:03:00] Post-conference recap – Pool Nation Conference, Awards, $10K Pool Pro Challenge & winners [00:06:00] The reality of 2025 – builders slowing, costs rising everywhere, and what that means for service companies [00:07:00] Equipment price increases – Pentair, Hayward, Jandy and what those jumps mean for your margins [00:09:00] Everything is up – chemicals, supplies, test kits, office supplies, utilities, and why it all creeps up unnoticed [00:11:00] The “loss leader” trap – why weekly maintenance should NOT just be a way to get repairs [00:12:00] Treating each vertical as a micro-business – service, filters, startups, repairs all need to be profitable [00:14:00] Why most pool pros fall behind financially – running on revenue instead of margin [00:16:00] The “busy but broke” problem – working 7 days a week and still not seeing the profit [00:18:00] The power of knowing your numbers – the “aha” moment when techs finally see their true cost [00:19:00] Why pros avoid raising prices – fear of confrontation, customer pushback, and delaying until it's too late [00:21:00] Reality check – your costs don't wait just because you're uncomfortable raising rates [00:23:00] Confidence through clarity – how cost-per-pool gives you certainty in your pricing decisions [00:27:00] What is cost-per-pool really? – total cost vs gross profit and why both matter [00:31:00] Breaking down cost-per-pool – chemicals, labor, payroll tax, workers comp, admin labor, gas & more [00:34:00] Drive time & hidden minutes – the silent profit killer nobody tracks [00:37:00] Vehicle wear and tear – tires, oil changes, brakes and why they belong in your cost [00:38:00] Insurance creep – auto, GL, workers comp and why they keep climbing [00:40:00] Replacing equipment & office gear – computers, printers and where that money really comes from [00:42:00] Scenario math – why your “$30 stop” might only be making you $5–$6 [00:45:00] Hidden leaks – algae treatments, extra time on site, “little favors” and non-billable work [00:48:00] Growth reality – what you can do as a one-poler that breaks you once you have a team [00:51:00] The four phases of business – why what worked at 40 pools won't work at 200 [00:55:00] App data vs real-world costs – what your app tracks (and what it completely misses) [00:59:00] Edgar's warning – don't get lost in 300 individual pools, start with total cost-per-pool [01:01:00] What's coming in Part 2 – 5-Minute Cost Calculator, margins, price increases & customer retention [01:02:00] Final thoughts – foundational principle: financial wellbeing of pool pros & “know your numbers”

Fueling the Future of Intelligent Insurance In this special pre-season episode, the founder and CEO of new Guidewire acquisition ProNavigator shares how carriers can leverage AI to turn institutional wisdom into a competitive edge.

In this episode of Alliance Insights, Jack Elliott, Regional VP of Operations with Alera Group and Risk & Insurance Research Academy Board Chair, shares how a high school internship changed the course of his life. The Academy's Sharla Floyd talks with Jack about his path from the classroom to the C-suite and why he is so passionate about creating opportunities for today's students through initiatives like the CISR High School Program. Jack's story is a powerful reminder of how early exposure and industry engagement can truly change lives, and why giving back to the next generation matters now more than ever. Watch now and be inspired to help build the future of our industry. Focusing exclusively on risk management and insurance professional development, the Risk & Insurance Education Alliance provides a practical advantage at every career stage, positioning our participants and their clients for confidence and success.

Send us a textIn this episode, Jason Conner shares his transformative journey from military service to entrepreneurship, detailing his experiences with NLP and firewalking. He discusses the importance of addressing childhood trauma, the process of writing his best-selling book, and the significance of mental health in personal growth. Jason emphasizes the need for authentic connections and support, particularly for men facing struggles, and highlights the power of community in healing.00:00 From Soldier to Entrepreneur05:42 The Journey of Self-Discovery and NLP15:21 The Transformative Power of Firewalking25:15 Breaking the Stigma of Mental Health26:41 The Power of Non-Traditional Therapy28:34 Overcoming Limiting Beliefs30:13 Parenting Your Inner Child34:28 The Journey of Writing a Book36:42 Creating Safe Spaces for Healing37:35 The Importance of Authenticity in Mental Health DiscussionsFOLLOW US ON SOCIALS:https://www.facebook.com/minuteswisely/https://www.tiktok.com/@minuteswiselyhttps://www.instagram.com/minuteswisely/#VeteransPodcast, #MilitaryStories, #TheScuttlebuttPodcastSupport the show

In this episode, Gregory Ricks is joined by Dwayne Stein, host of Mortgage Gumbo, to discuss why waiting to buy a home could end up costing you more and what a proposed 50-year mortgage plan could mean for home-buyers. Then, Gregory gives tips on how to make sure you don't outlive your retirement savings.For financial news talk radio, tune into "Winning at Life with Gregory Ricks" on Saturday Mornings on:WRNO-News Talk 99.5 FM New Orleans - 10 am - 1 pmWBUV-News Talk 104.9 FM Biloxi - 10 am - 1 pmORFor financial news talk ON DEMAND, tune into the Ask Gregory Podcast for more financial topics that may interest you! Visit: https://gregoryricks.com/podcast/Download the Winning at Life app to never miss a replay!Investment Advisory products and services made available through AE Wealth Management, LLC or registered investment advisor, insurance products are offered through the insurance business Gregory Ricks and Associates, Incorporated AE wealth management does not offer insurance products, the insurance products offered by Gregory Ricks and Associates incorporated are not subject to investment advisor requirements. Investing involves risk, including the potential loss of principal, any references to protection, safety or lifetime income 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 radio show was intended for informational purposes only. It is not intended to be used as the sole basis for a financial decision, nor should it be construed as advice designed to meet the particular needs of an individual situation. Gregory Ricks and Associates is not permitted to offer and no statement made during the show shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the US government or any governmental agency. The Information and opinions contained herein provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by Gregory Ricks and Associates. Please remember that converting an employer plan account to a Roth IRA is a taxable event. Increased taxable income from the Roth IRA conversion may have several consequences, including, but not limited to a need for additional tax withholding or estimated tax payments, the loss of certain tax deductions and credits and higher taxes on Social Security benefits and higher Medicare premiums. Be sure to consult with a qualified tax advisor before making any decisions regarding your IRA. Neither AE Wealth Management nor advisors providing investment advisory services through AE Wealth Management recommend or facilitate the buying or selling of cryptocurrencies. Third parties and guests of the show are not affiliated with nor do their opinions reflect those of Gregory Ricks and associates or AE wealth management. Ae Wealth Management provides services without regard to political affiliation. And the views of individual advisors are not necessarily the views of AE Wealth Management.

Matt Blackley, president and CEO, MapleTech, discusses how the company is leveraging AI, cloud-native platforms and intelligent automation to transform insurance operations while keeping client relationships and human trust at the forefront.

Welcome to Insurance Covered, the podcast that covers everything insurance.In this episode, Peter Mansfield interviews Joshila Sharma, a specialist in Fine Art and Specie Insurance. They explore the broad definitions of fine art and specie, the unique items covered under these insurance policies, and the intersection with cargo insurance. Joshila shares her experiences in the industry, including the most expensive items she has insured and the challenges posed by natural disasters. She also discusses her motivation for starting Amalthea Underwriting and her passion for marine conservation.We hope you enjoyed this episode, if you did please subscribe to be notified when new episodes release. Hosted on Acast. See acast.com/privacy for more information.

Dr. Clarissa Preston is a distinguished insurance and regulatory affairs leader, educator, and founder of Montage Enterprises, a professional services firm dedicated to coaching business owners and advancing financial literacy. Dr. Preston's journey into insurance began with a diverse background as a paralegal and briefly as a police officer, before a mentor encouraged her to explore the industry. She obtained her insurance licenses and quickly moved up the ranks, leveraging her skills in government relations and workers' compensation to become a senior state regulations executive. With an Ed.D. and professional designations including Certified Insurance Counselor (CIC) and Workers Compensation Professional (WCP), Dr. Preston has built a multifaceted career spanning legislative affairs, regulatory compliance, and consumer advocacy. A sought-after speaker and educator, she leads courses on insurance techniques and trends while championing financial literacy education in high schools. Her commitment to continuous learning, professional development, and fair industry practices inspires others to embrace adaptability and seize opportunities. Dr. Preston's journey from paralegal to police officer to insurance executive and entrepreneur proves that the insurance industry offers diverse, impactful career paths for those willing to learn, lead, and give back... all because she got a license!Connect with Dr. Clarissa Preston:Website: www.montage-enterprises.comInstagram: @montage_enterprisesLinkedIn: linkedin.com/in/clarissa-a-preston-ed-d-cic-wcp-68712a66About You Should Get A LicenseYSGAL Podcast is the number #1 source for anyone looking to learn about or join the most underrated opportunity in business today...a career in the Insurance industry. Get educated, motivated, and inspired for your journey, as you learn How and Why..."You Should Get A License"Get the Book: 'You Should Get A License' ⁠⁠⁠⁠⁠⁠https://a.co/d/cgjRqNT⁠⁠⁠⁠⁠⁠Host Social Media: IG: ⁠⁠⁠⁠⁠⁠https://www.instagram.com/ysgetalicense/⁠⁠⁠⁠⁠⁠Tik Tok: ⁠⁠⁠⁠⁠⁠https://www.tiktok.com/@ysgetalicense⁠⁠⁠⁠⁠⁠LinkedIn: https://www.linkedin.com/company/78299851 Rod's Social Media IG: ⁠⁠⁠⁠⁠⁠https://www.instagram.com/therodpowell/⁠⁠⁠⁠⁠⁠LinkedIn: ⁠⁠⁠⁠⁠⁠https://www.linkedin.com/in/jarrard-a-rod-powell-sr-86801616/⁠⁠⁠⁠⁠⁠About me: Greetings! My name is Rod Powell. I'm an insurance and financial services professional and Author, and University Professor based in the DMV. I'm multi-state licensed in Life & Health and Virginia licensedin Property & Casualty Insurance, a Chartered Life Underwriter, Registered Employee Benefits Consultant, and a Commercial Lines Coverage Specialist. This channel is not for me to offer my services directly, but to educate you oncareers in the industry that has allowed me to bring a ton of value to others and has been very good to me as well. Hope you enjoy and heard something that makes you think..."You Should Get A License"

Sind steigende Löhne wirklich ein Gewinn für alle? Die Befürworter des Mindestlohns und seiner weiteren Steigerung verweisen auf den bisherigen Erfolg des Instruments. Und in der Tat hatte der deutliche Anstieg des Mindestlohnes seit seiner Einführung 2015 von 8,50 Euro je Stunde auf heute 12,82 Euro keinen messbaren negativen Effekt auf die Beschäftigung. Trotz einer durchschnittlichen Lohnsteigerung von 5 Prozent pro Jahr, die nach Inflation zu real rund 15 Prozent höheren Mindestlöhnen geführt hat. In den kommenden zwei Jahren soll der Mindestlohn um weitere 14 Prozent bis auf 14,60 Euro (2027) steigen. Die Optimisten erwarten auch künftig keine negative Beschäftigungswirkung, schließlich sei es doch nur gerechtfertigt, dass man von seinem Einkommen leben können muss. Wer könnte da schon widersprechen? Nur ist die Zeit der progressiven Entwicklung des Mindestlohns eine besonders gute Phase in der deutschen Wirtschaftsgeschichte gewesen. Daraus zu schließen, man könne einfach so weitermachen wie bisher, könnte sich als naiv erweisen.Besonders spannend: Daniel Stelters Gespräch mit Dr. Effrosyni (Efi) Adamopoulou, stellvertretende Leiterin des Forschungsbereichs „Ungleichheit und Verteilungspolitik“ am ZEW Mannheim. Sie erklärt, wie Mindestlöhne innerhalb von Unternehmen wirken, warum sie Produktivitätsschocks ungleich verteilen und weshalb Kurzarbeit eine bessere Antwort auf Krisen sein kann als Entlassungen. Eine Episode über die feine Balance zwischen sozialer Gerechtigkeit, Wettbewerbsfähigkeit und ökonomischer Vernunft.HörerserviceStudie Minimum Wages, Productivity, and Reallocation des IZA - Institute of Labor Economics finden Sie hier: https://is.gd/bnkMpCEconomist-Artikel What harm do minimum wages do? - Three decades of research have led to a rethink: https://is.gd/xM8vADStudie Minimum Wages and Insurance within the Firm des ZEW zum Mindestlohn: https://is.gd/pFndEo beyond the obviousNeue Analysen, Kommentare und Einschätzungen zur Wirtschafts- und Finanzlage finden Sie unter think-bto.com.NewsletterDen monatlichen bto-Newsletter abonnieren Sie hier.RedaktionskontaktWir freuen uns über Ihre Meinungen, Anregungen und Kritik unter podcast@think-bto.com.ShownotesHandelsblatt-Aktion vom 14. November bis 8. Dezember 2025 – Für alle, die schon länger mit einem Handelsblatt-Abo liebäugeln: Das gibt es jetzt für 12 Monate mit 50 % Rabatt – gedruckt oder digital. Mit fundierten Recherchen, starken Meinungen und exklusiven Hintergründen behalten Sie den Überblick über die wichtigsten Wirtschaftsthemen. Das Aktionsangebot finden Sie unter handelsblatt.com/podcast50. WerbepartnerInformationen zu den Angeboten unserer aktuellen Werbepartner finden Sie hier. Hosted on Acast. See acast.com/privacy for more information.

http://www.witradeschool.com In episode #265 of the Trading Stocks Made Easy Podcast, Tyrone Jackson talks about AI Stocks VS Insurance Stocks. http://www.thewealthyinvestor.net Experienced traders know that discipline is the key to success. Inexperienced traders lose significant amount of trading capital when greed trumps discipline. Take Tyrone Jackson's advice and you, too, can be a six figure trader.

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

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

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

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

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

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

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

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

CFOs are abandoning quarterly planning cycles for week-by-week assessments as trade tensions, tariff uncertainty, and supplier volatility force a new short-term reality onto financial leadership. Seamus Smith, EVP and Group President of Automated Finance at FIS, and Chrissy Wagner, SVP of GTM at FIS, break down how finance leaders can balance urgent risk management with strategic growth positioning through data quality, automation, and AI. Smith and Wagner reveal that cybersecurity tops the list of CFO concerns, but inefficient processes and lack of visibility into money flows are the real operational killers, particularly as organizations grow through M&A. They explain how FIS helped clients navigate recent tariff disruptions through better data visibility, why paper checks remain one of the biggest fraud vectors in modern finance, how supply chain finance is underutilized in the US compared to Europe, and why AI is already delivering $3.70 in returns for every dollar invested in credit underwriting and collections.

Welcome to a special 4dFi podcast exploring the latest trends and technologies reshaping finance. I'm Zack Miller, Tearsheet's Editor in Chief. Today, we're unpacking the rise of AI agents and their potential to transform how consumers interact with financial services. I'm joined by my partners Russell Weiss, an AI expert and startup builder, and Josh Liggett, a seasoned fintech investor. Together, we'll bring a multidimensional view to this complex space. We'll dive into real-world examples like Capital One's Chat Concierge, which has driven a 55% boost in customer engagement by automating key tasks across thousands of auto dealer sites. Looking ahead, we'll consider the implications for traditional banks. Will they invest billions in proprietary AI models, or cede ground to big tech and infrastructure players increasingly embedding financial services? We don't have all the answers but want to open up with good questions and thinking about where things are headed. We'll also explore how the evolution of AI agents could intersect with web3, crypto, and asset tokenization to enable digital transactions. Russell and Josh will weigh in on which players are poised to thrive in this new era of AI-powered finance. There's a lot to cover, but one thing is clear: AI is no longer a far-off possibility for banks. It's a present-day reality redefining what's possible. Stay tuned for a thought-provoking discussion of the opportunities and challenges ahead.

Welcome to a really exciting re-encounter with someone who has been out of our industry for some years but is now back with a highly original new proposition. In my line of work I get to see an awful lot of new insurance ideas and so it takes a lot to fire up my imagination. And when I talk to people on this podcast about those new ideas – often the new product niche or service they are looking at might have a total addressable market of a few billion dollars. But today our guest has something that is applicable to the entire multi-trillion dollar capital base of the global P&C insurance industry. Andre Finn is the Chief Strategy Officer of Intellegri, a business looking to apply advanced mathematical and computational techniques to capital modelling. Now if that sounds a bit dry at first, please bear with me. At present our industry holds large amounts of excess capital to cover possible adverse development in reserves, based around wide probability ranges around what our tail risk is. If we could narrow that range down, even a tiny amount, we could release large amounts of capital, which would improve our returns and make our sector much more attractive to investors. But since this technology can also model scenarios to high new levels of detail and accuracy, it could also be applied to creating entirely new insurance products to cover perils that are currently uninsurable. Any surplus capital could then be applied to these new products and we could expand the insurance market, again making our sector far more attractive overall. The possibilities are genuinely exciting. I promise you that this is not going to be a maths podcast. Andre is authentic and incredibly down to earth and focused on the practical delivery of something new and genuinely revolutionary. Andre was also the founder and CEO of another advanced modelling and analytics firm called Sciemus for almost 15 years from 2001 and so has long industry experience, and possibly a few scars and lessons learned to show for it. Back then the insurtech phenomenon hadn't yet come into being, so sitting here in 2025 the timing would appear to be far better than it was back after the turn of the millennium. NOTES: Highly recommended further reading on Intellegri is to be found here: https://www.intellegri.com/ Andre rightly thanked Howden for the use of their London office for this recording. He also mentioned former collaborator Henry Sopher  LINKS: We thank our naming sponsor AdvantageGo: https://www.advantagego.com

This week's blogpost - https://bahnsen.co/47EvNQc Navigating Long-Term Care: Get It or Forget It? In this episode of the Thoughts and Money Podcast, hosts Trevor Cummings and Blaine Carver dive into the complexities of long-term care insurance. They discuss the increasing relevance of long-term care conversations among younger clients, especially those in their late forties and fifties. They explore the financial and emotional considerations of securing long-term care insurance, the impact of healthcare costs, and how these decisions affect a comprehensive financial plan. The episode also covers the evolution of long-term care policies, the pitfalls of older policies, and the importance of proactive planning. Whether self-insured or seeking coverage, understanding the nuances of long-term care can help mitigate future financial risks. 00:00 Introduction to the Podcast 00:16 Inspiration Behind the Article 01:12 The Sandwich Generation 02:13 Insurance and Risk Management 03:57 The Reality of Long-Term Care 06:46 Challenges with Long-Term Care Insurance 10:20 Hybrid Insurance Policies 13:45 Statistics and Financial Planning 17:22 Understanding Self-Insurance 18:28 Gender Differences in Long-Term Care 19:16 The Importance of Financial Planning 21:02 Personal Experiences with Long-Term Care 23:38 Risk Management and Insurance 27:13 Asset Allocation and Long-Term Care 32:35 Concluding Thoughts and Recommendations Links mentioned in this episode: http://thoughtsonmoney.com http://thebahnsengroup.com

In October, stakeholders representing an unusual combination of sectors — public, private, academic, non-profit and journalism — gathered with insurance industry experts at the 10X Convergence in Jacksonville, Florida, to explore solutions to unsustainable insurance and disaster recovery costs throughout the Interstate 10 region.Insurers continue to cancel homeowners policies across California, Texas, Louisiana, and Florida as exposure to accelerating billion-dollar disasters undermines carriers' ability to pay out claims while remaining solvent. The industry crisis has begun to spread northward, where a widening Tornado Alley sees growing impacts from property-damaging storms.  This is a complex, all-hands-on-deck issue. Insurance practices and building standards have not adapted to the realities of climate change, and have neglected potential to be of powerful mutual support to one another. On the whole, 10X Convergence participants were clear that viable solutions will require a combination of applied climate and economic research with proactive governance and communications strategies, and that this must be matched by industry willingness to innovate its systems of underwriting and community development.  In this podcast, Ten Across journalists Maya Chari and Taylor Griffith take you through the problems and potential solutions discussed by the diverse group of experts at the 10X Convergence.  Relevant Articles and Resources  VIDEO: 10X Convergence Event Wrap Up  “It's harder to get home insurance. That's changing communities across the U.S.” (NPR, November 2025)  “They survived the hurricane. Their insurance company didn't.” (Grist, November 2025)  “Insurance for Physical Climate Risk Management: Lessons from History” (Carnegie Endowment for International Peace, August 2025)  “Next to Fall: The Climate-Driven Insurance Crisis is Here—And Getting Worse” (Senate Budget Committee, December 2024)  Relevant Ten Across Conversations Podcasts  The Future of Insurability: New Approaches and Mindsets Carolyn Kousky on Using Insurance Models to Drive Positive Change  Checking in with Dave Jones on California's Insurance Outlook  CreditsHosts: Maya Chari and Taylor GriffithProducer and editor: Taylor GriffithMusic by: Out To The World, Marten Moses, Lennon Hutton, and Pearce RoswellResearch and support provided by: Duke Reiter, Kate Carefoot, Rae Ulrich, and Sabine Butler  Guest Bios (in order of appearance):  Steve Bowen is the Chief Science Officer and meteorologist at Gallagher Re.  Adam Reeder is a civil-structural engineer and principal investigator at CDM Smith.  Juliet Rogers is the president of Blue Cottage at CannonDesign.  Laura Phillips-Edgecombe is the duPont Fund principal for public spaces and executive on loan to the City of Jacksonville, Florida.  Clint Noble is a member of the City of Jacksonville Environmental Protection Board and professional geologist with CDM Smith.  Dr. Quinton White is founding executive director of the Marine Science Research Institute and professor emeritus at Jacksonville University.  Alex Harris is the lead climate reporter for the Miami Herald.  Pete Nelson is the communications director for the Gulf Research Program at the National Academies of Sciences, Engineering, and Medicine.  Dave Hondula is the director of the Office of Heat Response and Mitigation at the City of Phoenix.  Casi Callaway is the founder and president of Activate Build Connect.  Eric Corey Freed is the director of sustainability at CannonDesign.  Sarina Beges is the associate director of philanthropy and social innovation at the Aspen Institute.  Ashantae Green is the sustainability manager for the City of Jacksonville, Florida.

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

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

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

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

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

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

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

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

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