Podcasts about Insurance

Jordana welcomes back her own reproductive endocrinologist and author of The Lucky Egg, Dr. Lucky Sekhon. In this episode, Dr. Sekhon reveals the #1 comment-section myth she hates seeing, debunks misconceptions about fertility as a meritocracy, and explains why placenta health isn't just the woman's responsibility. From fertility basics to important facts about ovulation and how age factors into it all, Dr. Sekhon shares insight into the often mystified process of pregnancy. https://theluckyegg.com/ Pre-order The Lucky Egg Here Learn more about your ad choices. Visit megaphone.fm/adchoices

Hey first! We need your help: Financial help. Donations from listeners power this show, and we’ve got a goal: 100 people making their first-ever gift, this week. If you haven’t chipped in before, this is a great time — just click here. OK, onwards… Sharing a favorite from our archive – with lessons that are as relevant as ever. Laurie Todd calls herself The Insurance Warrior. She fights health insurance for a living. Her speciality: writing appeals when insurance companies deny high-stakes, high-dollar treatments. Her first victory was fighting to get coverage for her own life-saving cancer surgery – which we chronicled in an episode tracing her origin story. Since then, she says she’s notched hundreds of other victories, and outlined her strategies in two books: Fight Your Health Insurer and Win and APPROVED: Win Your Insurance Appeal in 5 Days. In this episode, we go deep on one of Laurie’s early, super-instructive cases, that taught Laurie one of the weirder truths about health insurance in America: fighting your health insurance often means fighting… your employer. And in this case, that employer was a $61 billion company. Want more about winning insurance appeals? Here’s our starter pack. Here is a transcript of this episode. Send your stories and questions. Or call 724 ARM-N-LEG.See omnystudio.com/listener for privacy information.

In this weeks episode of Insurance Town, The Mayor Heath Shearon, sits down with Valerie Bowden, founder of Crdle, to discuss the evolving landscape of outsourcing and the unique opportunities Africa presents. Valerie shares her journey from backpacking across Africa to establishing a successful outsourcing company that champions fair wages and ethical practices. Discover how Crdle is changing the game by connecting businesses with talented professionals from the continent. IntroductionHost introduction and episode overview Shoutout to sponsors: Smart Choice and Canopy Connect[03:15] Valerie's JourneyValerie shares her adventurous backpacking trip across Africa How her experiences led to the founding of Cradle[10:45] The Cradle MissionDiscussion on ethical outsourcing and creating sustainable jobs The importance of fair wages and supporting African talent[18:30] Bridging the GapHow Cradle connects African professionals with global businesses Success stories and client experiences[25:00] The Role of AIValerie's insights on AI's impact on virtual assistants How AI tools enhance the capabilities of offshore teams[32:15] Tips for Hiring Offshore TalentValerie's advice for businesses looking to hire from Africa Best practices for onboarding and training virtual assistants[40:00] Closing ThoughtsValerie's vision for the future of outsourcing Final words and how to connect with Valerie and CradleSponsors:Smart Choice: The fastest growing agency network, offering a wide range of services to help agencies thrive. Visit smartchoiceagents.com for more information. Canopy Connect: Revolutionizing the way agencies handle client data with their innovative intake form platform. Learn more at usecanopy.com.Want to work with Crdle ? want to contact Valerie Bowden

Send us a textWe talk one-on-one with Nick Carter of the Backstreet Boys. Nick did a special listening party at Brooklyn Bowl in Las Vegas. Nick sang some of his solo music from his new album LOVE LIFE TRAGEDY. This album went to No. 1 on the Worldwide iTunes Album Charts. He then headed off to the Sphere for Backstreet's final summer show, they return in December. We chat with Nick about the Backstreet Boys, his new music, his love for his fans, and life as a Dad in Las Vegas. Also, Ashlee Simpson sold out Labor Day weekend shows at The Venetian and she had to add more! We also let you know about a locals deals happening at Fontainebleau Las Vegas. How does a buy-one-get-one-free espresso martini sound? Or, 20% off your dinner. Discounted rooms. All you need is a a Nevada ID! We also discuss Las Vegas summer tourism. We always like to share our take! We read listener text messages too. 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 Monsoon damage? Insurance company low-balling you? Call Jonathan Wallner of Galindo Law for a FREE Claim Review at 800-251-1533. VegasNearMe AppIf 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

SEND US A TEXT MESSAGE!!! Let Drs. Nii & Renee know what you think about the show!What if you could reshape your career and lifestyle with the freedom and flexibility you've always dreamed of? In this episode, we explore the exciting world of locum tenens work, sharing insights on how to start your own locums company, medical malpractice insurance and why every doctor should consider doing locums.Timeline0:00 Introduction2:47 What y'all say Friday! Ask us anything y'all.3:29 Working 24 hour shifts as a doctor.7:44 Billing & Getting paid as a locums doctor10:47 How to Start a Locums Agency.14:08 Not working on important days of your life.16:24 Medical malpractice for locums doctors21:53 Rates vs travel expenses as locums doctors28:12 Why consider doing locums?35:44 Is there a Diddy in medicine y'all?FREE DOWNLOAD -  7 Considerations Before Starting Locum Tenens - https://darkos.lpages.co/7-considerations-before-locumsLINKS MENTIONED App for sending out receipts - https://www.waveapps.com/To learn Ins and Outs of locums - https://locumstory.com/SIGN UP FOR OUR NEWSLETTER! https://darkos.lpages.co/newsletter-signup/ WATCH THIS EPISODE ON YOUTUBE!Have a question for the podcast?Text us at 833-230-2860Twitter: @drniidarkoInstagram: @docsoutsidetheboxEmail: team@drniidarko.comMerch: https://docs-outside-the-box.creator-spring.comThis episode is sponsored by Set For Life Insurance. What the Darkos use for great disability insurance at a low cost!! Check them out at https://setforlifeinsurance.com/ Locumstory. Learn how locum tenens helps doctors make more and have the lifestyle they deserve!. Check them out HERE!

When it comes to our finances, we often wonder: Where does God's provision end and our responsibility begin? Should we simply wait and trust Him—or get to work and provide for ourselves?The truth is, it's not either-or. God calls us to both trust Him and participate in His provision. Not because He needs our help, but because He delights in working through us.Avoiding Two ExtremesYou've likely heard the phrase, “Let go and let God.” While it sounds spiritual, it can sometimes lead to passivity. On the other end of the spectrum, some of us live as if everything depends on us—hustling, stressing, and striving in our own strength.Scripture offers a better way: a life of faith that doesn't ignore work, and a life of work that doesn't ignore faith. God invites us into a partnership—trusting His sovereignty while faithfully engaging in our responsibilities.Paul writes in 2 Timothy 2:6, “It is the hard-working farmer who ought to have the first share of the crops.” The farmer can't make the rain fall or the seeds grow, yet he tills, plants, and harvests. He works diligently while depending entirely on God for the increase.In the same way, we can't control the economy or prevent every financial emergency—but we can make wise choices. By living below our means, avoiding debt, and giving generously, we acknowledge God as our Provider while faithfully stewarding what He entrusts to us.God Provides—We ParticipatePsalm 104:14 reminds us, “You cause the grass to grow for the livestock and plants for man to cultivate.” God causes the growth, yet invites us to cultivate it. His provision is not a one-sided transaction—it's a relationship.We see this throughout Scripture. When Jesus fed the 5,000, He didn't create food out of thin air. Instead, He multiplied a boy's simple lunch. God chooses to involve us, not because He lacks resources, but because He delights in using us to bless others.God's Word makes it clear that provision and work go hand in hand.Ephesians 4:28 urges, “Let the thief no longer steal, but rather let him labor… so that he may have something to share with anyone in need.”1 Thessalonians 4:11–12 calls us to “work with your hands… so that you may walk properly before outsiders and be dependent on no one.”Laziness is never encouraged, but neither is frantic self-reliance. Instead, Scripture calls us to wise diligence rooted in God's faithfulness.Stewardship means recognizing that everything belongs to God. We are not owners but managers, entrusted with His resources to reflect His character.And His provision is never just for us. Paul writes in 2 Corinthians 9:10–11, “He who supplies seed to the sower… will supply and multiply your seed for sowing… You will be enriched in every way to be generous in every way.”God enriches us so that generosity might overflow through us—producing thanksgiving to Him.Living in the Beautiful In-BetweenSo how do we balance trust in God's provision with active participation?Pray before you plan—inviting God into your financial goals.Work with diligence, not fear—resting in His faithfulness, not your performance.Give generously—not because God needs your money, but because He invites you to reflect His heart.Rest confidently—knowing God is at work even when you sleep.At the end of the day, God delights in using ordinary people with ordinary means to display His extraordinary grace. He is the Provider, and we have the privilege of being His participants.Provision, then, is not just about a paycheck—it's about a partnership. Let's stop asking whether it's “all up to us” or “all up to God” and embrace the beautiful in-between: trusting Him, working faithfully, and joining Him in the joy of provision.On Today's Program, Rob Answers Listener Questions:My wife and I inherited a house from a family member in another state. We'd like to keep it available for friends, family, or church members to use, rather than renting it out. What do you think about that approach?My wife and I are in our early 80s. Years ago, we used our Roth IRAs to pay off our home, allowing us to live debt-free in retirement. We use our IRA for charitable giving, but with the rising cost of living, I'm wondering if a reverse mortgage could be a smart tool. What's your advice?If I already have a living will, will my assets still need to go through the probate process?I've had a long-term care policy since 2018 with $400,000 in coverage, but I was told there's a six-month waiting period before it pays out. That seems long to me. Should I consider canceling the policy?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Wisdom 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) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Tony chats with Lucas Roberts, Wholesale Broker at Anzen Insurance, they aim to offer the best technology combined with the best wholesale broker offering Cyber, Specialty Commercial, E&O, D&O and EPLI. Their software analyzes submission data and allows sending to various markets in one click while still having a broker that can really walk you through difficult risks.Lucas Roberts: https://www.linkedin.com/in/lucas-roberts-a70612a5/Anzen Insurance: https://anzen.com/

Aug. 27, 2025- Democratic state lawmakers want to empower state financial regulators to create standardized definitions for common insurance terms. We consider this pending legislation with Brad Lachut, director of government affairs for the Professional Insurance Agents of New York.

A consolidation day could be in store for the SPX heading into Nvidia's (NVDA) earnings, according to Kevin Green. He points out technicals to watch throughout the session. When it comes to Wall Street trends, Kevin points out U.S. shipbuilders like Huntington Ingalls (HII) as breakout candidates, as well as insurance companies.======== Schwab Network ========Empowering every investor and trader, every market day. Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/ About Schwab Network - https://schwabnetwork.com/about

Selling Affordable Care Act Insurance plans can be a lucrative addition to your business!   Register with Ritter Insurance Marketing   Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.   Resources: 6 Ways to Generate ACA Leads 2026 ACA Exchange & FFM Certification Info ACA Enrollment Periods Explained Agent Requirements for ACA Sales Everything Agents Need to Know About Selling in State-Based Marketplaces How to Become Certified for ACA Marketplace Sales with Federally Facilitated Marketplace (FFM) Training Operating From a People-First Mentality ft. Scott Zimmerman The Complete Guide to Selling Affordable Care Act Plans – FREE eBook Download What is the Health Insurance Marketplace?   References: “5 Steps to Start Selling Marketplace Health & Dental Plans.” HealthCare.Gov, https://www.healthcare.gov/agent-broker-quick-start/. Accessed 5 Aug. 2025. “Low Cost Marketplace Health Care, Qualifying Income Levels.” HealthCare.Gov, https://www.healthcare.gov/lower-costs/. Accessed 5 Aug. 2025. “Marketplace Enrollment, 2014-2025.” KFF, 8 July 2025, https://www.kff.org/affordable-care-act/state-indicator/marketplace-enrollment/. “New Agents' and Brokers' Guide to Plan Year 2025 Marketplace Registration and Training.” Centers for Medicare & Medicaid Services, https://www.cms.gov/files/document/new-agents-and-brokers-guide-marketplace-registration-and-training.pdf. Accessed 5 Aug. 2025. “Over 24 Million Consumers Selected Affordable Health Coverage in ACA Marketplace for 2025.” CMS.Gov, https://www.cms.gov/newsroom/press-releases/over-24-million-consumers-selected-affordable-health-coverage-aca-marketplace-2025. Accessed 5 Aug. 2025. “Registration and Training for Marketplace Agents and Brokers.” CMS.Gov, https://www.cms.gov/marketplace/agents-brokers/registration-training. Accessed 5 Aug. 2025.   Follow Us on Social!  Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance     Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/   Not affiliated with or endorsed by Medicare or any government agency.

It is possible many New Zealanders will not be able to get insurance in ten years time unless there is serious intervention, according to a new Consumer New Zealand report. It said the cost of house insurance had gone up more than 900% since 2000, and looked at how climate change is affecting the price and availability of house and contents insurance. Tower Insurance recently expanded its risk based pricing to include sea surges and landslips. Chief executive, Paul Johnston spoke to Lisa Owen.

On this episode of The Insuring Cyber Podcast, Claire Davey, senior vice president and head of product innovation and emerging risk at Relm Insurance, and Peter Dugas, executive … Read More » The post EP. 106: Navigating State, Federal and Global AI Regulation appeared first on Insurance Journal TV.

Insurance Agent Reacts to George Kamel's “Agents Will Hate This Video”. Caleb Guilliams breaks down which ones are a waste of money and which one's are actually beneficial for your financial strategy.Want a Life Insurance Policy? Go Here: https://bttr.ly/bw-yt-aa-clarity Want FREE Whole Life Insurance Resources & Education? Go Here: https://bttr.ly/yt-bw-vaultWant Us To Review Your Life Insurance Policy? Click Here: https://bttr.ly/yt-policy-review______________________________________________ Learn More About BetterWealth: https://betterwealth.com====================DISCLAIMER: https://bttr.ly/aapolicy*This video is for entertainment purposes only and is not financial or legal advice.Financial Advice Disclaimer: All content on this channel is for education, discussion, and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of the information on this channel. Neither host nor guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

We dive into the true science and strategy behind aging with power. We're busting myths about menopause, metabolism, and muscle, bone and talking strategy for women over 40 who want strength without burnout.  Know how to prevent the physical “outages” that so often follow menopause, injury, or hormonal upheaval.  Reclaim control without burning out!!  If you're ready to redefine what aging looks and feels like, this conversation is your roadmap to aging with power—and joy.   My Guest: Dr. Vonda Wright is a double-board certified orthopedic surgeon and internationally recognized authority on human performance, longevity, and women's health. The founding director of the Performance and Research Initiative for Masters Athletes (PRIMA), she has served as a physician for athletes at the University of Pittsburgh, Georgia State, the Pittsburgh and Atlanta Ballet, World Rugby, and the PGA. A highly sought after media expert, she has been featured on the Diary of a CEO, Jay Shetty, and Mel Robbins podcasts as well as the Today show, the Dr. Oz show, and in top publications including The New York Times, USA Today, and the Observer. She has authored five books, including Fitness After 40 and Guide to THRIVE. She lives with her husband, a retired two-time Stanley Cup champion, near Orlando, Florida.   Questions We Answer About Aging with Power: [00:06:24] How did your personal menopause experience shape your clinical and personal mission? [00:10:12] Most women listening are hard-driving, get-it-done, but wonder, WTH happened here. Was it like that for you?  [00:16:34] What do you see for the future of medicine and fitness co-existing with diseases not only osteoporosis and sarcopenia but cancer, heart disease, diabetes, etc.? [00:22:53] Why are there doctors telling women they can't gain bone density after 30. What are the science-backed exercise strategies for aging with power, compared to online misinformation and was recommended in the 90s?   [00:24:36] How much of your work is dedicated to educating physicians about updated science? [00:26:25] What are your thoughts on HRT for muscle and bone density? [00:32:47] How can we help under-muscled, under-nourished women ditch diet culture, reclaim their strength, and find joy in movement again for aging with power? [00:35:59] What advice do you have for women when they feel like they're “doing everything right” but their bodies aren't responding—and how can they start to feel in control again? [00:36:26] Instead of losing 3-8% of muscle a decade after 30, how can women flip the script?    Vision for Longevity – Medicine And Fitness Co-Existing Prevention to become the primary model of healthcare, with disease care as the fallback. Insurance-based care to cover preventing illness. Make fitness and nutrition prescriptions a standard practice.   Reversing Pre-Diabetes 96M Americans have pre-diabetes—most are told “watch what you eat” Building muscle, walking daily, and avoiding poor food choices can reverse it quickly. Diabetes increases Alzheimer's risk; lack of estrogen makes it worse.   Aging with Power Through Menopause – From Exhausted to Empowered   Progress does not happen overnight. You can build muscle at every age.   Reclaim Your Strength Start with walking, if you're starting from zero. Use body weight. Lift heavy or HIIT. Recovery through sleep and nutrition.   Connect with Dr. Vonda: Website - Dr. Vonda Wright Instagram - @drvondawright  Facebook - Dr. Vonda Wright   Other Episodes You Might Like: Previous Episode - Acute vs Chronic Stress Effects on Cortisol in Menopause and Beyond Next Episode - Muscle Mass and Strength Gains After Menopause How Much How Fast? More Like This - Smart Movement for Aging Better with Lara Heimann   Resources: Join the Hot, Not Bothered! Challenge to learn why timing matters and why what works for others is not working for you. Don't know where to start? Book your Discovery Call with Debra. Leave this session with insight into exactly what to do right now to make small changes, smart decisions about your exercise time and energy.   

The deficits from the lead poisoning continue to intensify, Shannon channels her anger and grief into holding the people who hurt her son responsible.LEAD how this story ends is up to us is a true story written and produced by Shannon Burkett. Co-produced by Jenny Maguire. Directed by Alan Taylor. Starring Merritt Wever, Alessandro Nivola, Cynthia Nixon, and Cooper Burkett.EP4 features Eboni Booth, Sasha Eden, Kevin Kane, April Matthis, Alysia Reiner, and Mandy Siegfried. Casting by Alaine Alldaffer and Lisa Donadio. Music by Peter Salett. Sound Design by Andy Kris. Recording Engineer Krissopher Chevannes.For corresponding visuals and more information on how to protect children from lead exposure please go to https://endleadpoisoning.org.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this episode of The Efficient Advisor, Libby sits down with marketing and branding expert Robyn Crane to explore how financial advisors can future-proof their business in an AI-driven world. Robyn shares her personal journey from struggling advisor to seven-figure business owner and reveals her BRAND formula for creating an authentic personal brand that attracts affluent clients — without getting replaced by technology. From overcoming limiting beliefs to aligning with your ideal client, this conversation is packed with both inspiration and tactical steps you can apply right away.

RNZ's money correspondent Susan Edmunds joins Kathryn to look at the discussion this week of what the nation wants out of house prices following new data that shows they're stuck for the most part, despite lower interest rates. And a new report from Consumer NZ shows a big increase in house price insurance - is there a risk some people simply won't be able to insure their homes? Susan Edmunds is RNZ's money correspondent

What happens when a Division I athlete spends her summer interning in the insurance world? You get a fresh, insightful look at how Gen Z views our industry. Shane and Tonya talk with Campbell Bagshaw, University of Kansas softball player and Integra's summer intern, to talk about what surprised her, what agency owners need to know about Gen Z, and why she thinks athletes are built for insurance. From marketing and communication to career potential and workplace culture, this episode is packed with new perspectives. IA Forward to can help you take your agency from good to great. Learn more at iaforward.com, and follow IA Forward on LinkedIn, Facebook, and Instagram.

You don't need to work longer; you just need a better plan. Schedule a peace of mind visit for your retirement planning with this link: https://calendly.com/charlesdzama/dza...“You don't need to work longer, you just need a better plan.”⌚ Timestamps / Chapters0:00 – Introduction: Holding Too Much Cash? – Charles introduces the question: is your money sitting idly—and losing value?0:40 – The Comfort vs. Inflation Trap – Why that “feel-good” bank balance may actually be shrinking in real terms.0:59 – Real Yield After Taxes – The sting of a 33.3% total tax drag on interest income.1:33 – Tax-Deferred Alternatives: Multi-Year Annuities (MYA) – How these stacked deferrals can offer higher effective returns.2:55 – Balancing Liquidity and Risk – Strategically using annuities vs. keeping cash on hand.3:19 – Index Funds vs. Mutual Funds – Why ETFs and long-term holdings can be more tax-efficient than daily-rebalancing mutual funds.4:30 – Real Estate in the Mix – Considering rental properties like a SoCal triplex for diversification and tax benefits.5:17 – Emergency Fund Strategy – How much cash is truly necessary—6 to 8 months or more for remodels or renovations.5:51 – Working with a Fiduciary – Why specialized help matters, especially for federal employees.6:37 – Roth Contributions as an Alternative – Funding Roth IRAs or Roth TSPs for tax-free growth.7:10 – Leveraging Roth TSP/401(k) – The long-term benefits of Roth accounts for you and your heirs.7:44 – Wrap-Up & How to Reach Us – Learn more, schedule a call, and remember—it's not about working longer, it's about planning smarter.Advisory services are offered through CD Financial LLC dba CD Financial, an Investment Advisor in the State of California. Insurance products and services are offered through CD Financial & Insurance Services LLC, an affiliated company.Opinions expressed herein are solely those of CD Financial and our editorial staff. The information contained in this material has been derived from sources believed to be reliable but is not guaranteed as to accuracy and completeness and does not purport to be a complete analysis of the materials discussed. All information and ideas should be discussed in detail with your individual adviser prior to implementation.Support the show

You don't need to work longer; you just need a better plan. Schedule a peace of mind visit for your retirement planning with this link: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call“The Social Security Fairness Act ensures fairness for public servants who planned wisely in their careers — they should never be penalized for planning well.”⌚ Timestamps0:00 – Introduction: What Is the Social Security Fairness Act?0:36 – Storytime: From VCRs and Blockbuster to Uncle Joe's Last Acts2:08 – What Were WEP & GPO and Why Did They Exist?3:24 – Who Was Impacted: CSRS, Teachers, Police, Fire, Railroad Employees5:10 – Real-Life Examples: Clients and Back Payments (e.g., “Patty P.”)11:52 – When Did It Take Effect? (January 1, 2025)12:14 – SERS Offset Cases: How They Were Finally Fixed13:25 – Real-Life Wins: Who Benefited and Why It Matters13:50 – Health Tip: Surround Yourself with Healthy Influences14:53 – Couples Who Sweat Together Stay Together—Working Out with Loved Ones19:07 – Closing Thoughts and How to Get More from CD FinancialConnect with CD Financial for More Insights:Twitter: /CDFinancial_LLCInstagram: /CDfinancial.llcFacebook: /CDFinancialLLCLinkedIn: /cd-financial-llc Visit our Website: https://cdfinancial.org/Subscribe and Stay Updated: Don't miss out on crucial advice for your financial journey. Subscribe now for weekly insights and strategies to secure your retirement.Get More from CD Financial: Looking for personalized advice? Schedule a consultation with Charles to tailor a plan that suits your unique financial situation: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-callAdvisory services are offered through CD Financial LLC dba CD Financial, an Investment Advisor in the State of California. Insurance products and services are offered through CD Financial & Insurance Services LLC, an affiliated company.Opinions expressed herein are solely those of CD Financial and our editorial staff. The information contained in this material has been derived from sources believed to be reliable but is not guaranteed as to accuracy and completeness and does not purport to be a complete analysis of the materials discussed. All information and ideas should be discussed in detail with your individual adviser prior to implementation.Support the show

Join Mike and Trey Farley of Farley Pool Designs as they delve into the complexities of Alkali-Silica Reaction (ASR) in swimming pools with expert guest John McIntyre. In this in-depth episode, discover the causes and devastating effects of ASR, how to identify it, and crucial steps for prevention and mitigation. John, a professional engineer with over 46 years of experience, shares his extensive knowledge and insights on this critical issue plaguing pool owners, particularly in central Texas. Learn about the importance of fly ash, aggregate testing, and proper construction techniques to ensure the longevity and safety of your pool. Plus, enjoy a segment on outdoor BBQ tips to enhance your luxury outdoor living experience.   Discover more: https://www.mmibuildings.com/ https://www.farleypooldesigns.com/ https://www.instagram.com/farleydesigns/ https://www.instagram.com/luxuryoutdoorlivingpodcast/ https://www.instagram.com/poolzila/   00:00 Introduction to the Perfect Storm 01:41 Welcome to Luxury Outdoor Living Podcast 05:23 Understanding ASR: Causes and Effects 06:27 Impact of Fly Ash on Concrete 09:31 ASR in Pools: Signs and Symptoms 17:24 Testing and Prevention of ASR 31:50 Introduction to Outdoor Living 32:11 BBQ Bit: Memphis Pellet Grills 35:44 Understanding Pool Construction Issues 40:12 Insurance and Legal Challenges 47:00 Advice for Pool Owners and Builders 53:24 Guest's Personal Insights and Experiences 01:00:22 Closing Remarks and Future Shows  

Entrepreneurs often find reasons to delay taking the leap and going all in on their business. One of the most common excuses? Insurance. Insurance can feel like a luxury, especially when you're only dedicating 10-15 hours a week to building your business. It seems out of reach, and understandably so. But when I went all in, committing 40-50 hours a week to my business, I gave myself a $30,000 raise.  Today, I want to give you a clear understanding of insurance and encourage you to see that it may not be as out of reach as you think. Important Links: Save TIME & MONEY by running your biz on a single platform- check out my software, Equipt360

Feeling the post-summer financial fog? You're not alone—but now's the perfect time to reset.Summer is a season of rest, family, and fun—but it can also knock our financial habits off course. That's why fall is an ideal time to pause, reflect, and get back on track. Let's explore six small but meaningful steps that can help realign your finances with your goals—and your faith.Summer Spending Can Leave You Off BalanceSummer often brings looser schedules and, sometimes, looser spending. That's okay—we need time to rest. But if your finances feel off-center, it may be time for a reset.1. Review Your Summer SpendingBefore moving forward, look back. Did your summer spending reflect your values or just your impulses? Whether it was vacations, eating out, or spontaneous purchases, reviewing where your money went brings clarity. Think of it as an act of stewardship—learning from the past so you can plan better for the future.2. Revisit Your BudgetSeasons change—and so do financial rhythms. Back-to-school costs, higher grocery bills, or other expenses may have shifted your cash flow. Revisit your budget to ensure it reflects your priorities: generosity, saving, and wise spending.A helpful tool: The FaithFi app makes budgeting a daily reminder that every dollar belongs to God. It helps you plan and track your finances in alignment with your faith.3. Check for Missed PaymentsLife gets busy, and bills sometimes slip through the cracks. Go back and confirm you haven't missed any payments. Even one late bill can hurt your credit. Also, review your autopay accounts to ensure everything is running smoothly. A little attention here prevents bigger headaches later.4. Catch Up on Your GivingGenerosity sometimes takes a backseat in busy seasons. If that happened this summer, take time to prayerfully revisit your giving. Ask yourself: Has God blessed me in a way that calls for deeper generosity? Whether to your church, a ministry, or a neighbor in need, giving is more than duty—it's an expression of trust in God as your ultimate provider.5. Tackle That Financial To-DoWe all have one thing on our financial to-do list that gets pushed aside—reviewing insurance, starting a will, or scheduling a meeting with an advisor. Stewardship often looks like taking the next step, even if it's small or unglamorous.6. Look Ahead with WisdomFall is a season of preparation. Anticipate upcoming costs, such as school expenses, open enrollment, holiday shopping, or tax planning. Mark dates and set reminders now so you won't be scrambling later. Wise stewardship is proactive, not reactive.One Step at a TimeDon't feel pressure to fix everything in one day. Growth—financial and spiritual—comes through steady, faithful diligence. Proverbs 4:26 reminds us: “Give careful thought to the paths for your feet and be steadfast in all your ways.”Wherever you're starting from—catching up, starting over, or just resetting—God meets you there. He isn't after perfection; He's after your heart, and He promises to walk with you every step of the way.At FaithFi, we're committed to equipping Christians to integrate faith and financial decisions for the glory of God. If you believe in this mission, we'd love to invite you to become a monthly partner.A gift of $35 or more per month (or $400 per year) helps us continue this vital work. As a thank-you, you'll receive exclusive benefits, including our quarterly Faithful Steward magazine, Pro Access to the FaithFi app, and early access to our devotionals and studies.Learn more or become a partner today at FaithFi.com/Partner.On Today's Program, Rob Answers Listener Questions:Is life insurance really necessary? I've been paying about $100 a month for a few years, and I'm wondering if the benefit justifies the cost.My husband and I are dual citizens of the U.S. and Canada. We've farmed for 40 years without any retirement accounts or formal plans. We're debt-free, but we're unsure where to start with retirement planning, especially since our income and pensions come from both countries. Is there a kingdom-minded advisor familiar with agriculture and cross-border planning, or should we begin elsewhere?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Wisdom 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) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

In this episode, Paul explores the real cost and true value of retiring in paradise. We begin by examining a widely cited article claiming retirees need $2.2 million to live comfortably in Hawaii, and uncover how media “information laundering” can make financial advice seem more official than it is. Then, Paul sits down with Aaron Goddard, CEO of Allstate Health Benefits, who moved his family to Hawaii over a decade ago. Aaron shares candid insights about cost of living, quality of life, community, and why he believes Hawaii offers unmatched rewards for retirees.   --   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.

Orhan Sarayli, Head of North America for Barings' Global Infrastructure Debt group joins Streaming Income to discuss the evolving opportunity in infrastructure debt. Episode Segments:(02:11) – Background on Orhan & the infra debt team at Barings(03:10) – Defining the infrastructure debt universe(05:54) – The structural trends underpinning massive growth in infrastructure investment(09:24) – The role of institutional investors in financing infra growth(12:28) – Alternative managers & non-traditional approaches to funding growth(14:55) – Insurance, sovereign wealth, pensions… Who's investing and why?(19:13) – Understanding the return profile across IG and HY infra debt(22:21) – Challenges from diversification and bucketing to transparency and benchmarking(25:40) – Infra CLOs and where innovation in the space goes nextIMPORTANT INFORMATIONAny forecasts in this podcast are based upon Barings' opinion of the market at the date of preparation and are subject to change without notice, dependent upon many factors. Any prediction, projection or forecast is not necessarily indicative of the future or likely performance. Investment involves risk. The value of any investments and any income generated may go down as well as up and is not guaranteed. PAST PERFORMANCE IS NOT NECESSARILY INDICATIVE OF FUTURE RESULTS. Any examples set forth in this podcast are provided for illustrative purposes only and are not indicative of any future investment results or investments. The composition, size of, and risks associated with an investment may differ substantially from any examples set forth in this podcast. No representation is made that an investment will be profitable or will not incur losses. Barings is the brand name for the worldwide asset management and associated businesses of Barings LLC and its global affiliates. Barings Securities LLC, Barings (U.K.) Limited, Barings Global Advisers Limited, Barings Australia Pty Ltd, Barings Japan Limited, Barings Real Estate Advisers Europe Finance LLP, BREAE AIFM LLP, Baring Asset Management Limited, Baring International Investment Limited, Baring Fund Managers Limited, Baring International Fund Managers (Ireland) Limited, Baring Asset Management (Asia) Limited, Baring SICE (Taiwan) Limited, Baring Asset Management Switzerland Sarl, and Baring Asset Management Korea Limited each are affiliated financial service companies owned by Barings LLC (each, individually, an “Affiliate”).NO OFFER: The podcast is for informational purposes only and is not an offer or solicitation for the purchase or sale of any financial instrument or service in any jurisdiction. The material herein was prepared without any consideration of the investment objectives, financial situation or particular needs of anyone who may receive it. This podcast is not, and must not be treated as, investment advice, an investment recommendation, investment research, or a recommendation about the suitability or appropriateness of any security, commodity, investment, or particular investment strategy.Unless otherwise mentioned, the views contained in this podcast are those of Barings and are subject to change without notice. Individual portfolio management teams may hold different views and may make different investment decisions for different clients. Parts of this podcast may be based on information received from sources we believe to be reliable. Although every effort is taken to ensure that the information contained in this podcast is accurate, Barings makes no representation or warranty, express or implied, regarding the accuracy, completeness or adequacy of the informationAny service, security, investment or product outlined in this podcast may not be suitable for a prospective investor or available in their jurisdiction.Copyright in this podcast is owned by Barings. Information in this podcast may be used for your own personal use, but may not be altered, reproduced or distributed without Barings' consent.25-4716609

Today, traditional insurance faces mounting pressures from new technologies and market entrants, and digital transformation has become an imperative rather than an option. Kamiel Bouw, Global Head of Insurance for Citi Treasury and Trade Solutions, joins the show today. He brings extensive experience navigating this evolving landscape, where efficiency, data-driven approaches, and customer-centricity have become paramount. With traditional insurers working to adopt new technologies within legacy infrastructure, Buow describes how Citi has positioned itself to strategically support these organizations capture opportunities while enhancing customer experience. Throughout the interview, Buow explores several transformative themes reshaping the insurance industry. He uses real life case studies to emphasize the tremendous opportunity in digitizing payment processes — both for premium collections and claims payments — highlighting how instant payments can create superior customer experiences while providing operational benefits. Buow also discusses how Treasury functions must evolve beyond their traditional role as financial settlement centers to become innovation leaders, engaging across enterprise-wide initiatives and providing expertise in risk management and end-to-end payment flows. Listen to the podcast to gain unique insights into emerging technologies like digital assets and tokenization and their growing role in insurance, and how organizations can start with small, focused use cases to drive learning and foster broader adoption of this new tech.

Successful contracting businesses need strong partnerships with subcontractors and vendors, which starts with a proper onboarding process designed to create long-term, profitable relationships for everyone involved.• Two main categories: day-to-day crews (smaller operations handling labor) and larger vendors (established companies with their own processes)• Large vendors require basic information collection, W-9s, and Certificates of Insurance with your company listed as a holder• Smaller crews need in-person meetings in proper settings to establish true partnerships• Skills assessment helps determine what subcontractors can do profitably and enjoyably• Job timeline discussion explains pricing and profit structure transparently• Subcontractor agreements cover payment terms, on-site behavior, client communication protocols, and warranty expectations• Work orders should specify exactly what work is to be done, when to complete it, and payment amounts• Consider allowing a one-month trial period before requiring insurance• Proper documentation protects both parties and prevents misunderstandings• The goal is setting foundations for relationships that will last 10-20 yearsIf you're interested in getting help with your contracting business, reach out at ProStruct360.com or ContractorCuts.com to learn about coaching options and the upcoming planning retreat in January.Struggling to grow your contracting business? The Foundations Program is designed to help contractors break free from the chaos and build a business that runs smoothly. You'll get a customized training program, 1-on-1 coaching, and access to a full paperwork database—including contracts and the Client Engagement Agreement. Join the Foundations Program today!

Think you're saving money with cheap truck tires? Think again. In this episode, we sit down with Matt Gibbs from Ozarko Tire to reveal the real costs of poor tire choices, the truth about retreads, and why tire maintenance can make or break your bottom line. Whether you're an owner-operator, fleet manager, or just someone in the trucking industry, this conversation will change the way you think about your tire program. You'll discover: The hidden difference between Tier 1 and Tier 4 tires How retreads can slash your cost per mile The #1 cause of roadside breakdowns (and how to prevent them) Why “cheap” tires often cost you more in the long run How to choose the right tire for your specific hauling needs

Greg and Holly talk to Bankrate Insurance Analyst R.E. Hawley, to learn more about what dorm insurance is and how to know if you need it.

An article in the Wall Street Journal suggests that Florida's property insurance market is inherently flawed and financially shaky, under the review of a smaller ratings company.  It cites the 12 insurance company insolvencies between 2019 and 2023 in a market painted as over-reliant on reinsurance. Former Florida Deputy Insurance Commissioner Lisa Miller sits down with Demotech President & CEO Joe Petrelli and former Florida Insurance Commissioner Kevin McCarty to explain the unique nature of Florida's market, how financial ratings of insurance companies are formulated, the critical role of reinsurance, the confusion between rate and premium, and the real reasons behind those insolvencies.Show Notes  (For full Show Notes, visit https://lisamillerassociates.com/episode-59-how-secure-is-floridas-property-insurance-market/) Host Miller discussed the evolution of Florida's property insurance market following 1992's Hurricane Andrew, highlighting the departure of large insurers and the rise of smaller, regional companies that still make up most of today's market.  Miller, an employee of the then Department of Insurance, said “large legacy insurance companies left our state altogether, saying the risk exposure was just too great.  Likewise, after 2017's Hurricane Irma, other companies stopped writing new policies.”  Florida's Unique MarketMiller noted that the state's property insurance market has adapted over the ensuing 33 years to continue to provide needed insurance “for what's become one of the riskiest places on earth to insure.  It has unique challenges that have prompted innovative solutions.”  One of those solutions was Demotech, a Columbus, Ohio-based actuarial firm that provided ratings for Florida's new regional companies when other ratings companies would not.  Demotech's RoleDemotech President Joe Petrelli said its specialty in reviewing and assigning Financial Stability Ratings (FSRs) for independent regional carriers was born of the need of federal mortgage backers Fannie Mae and Freddie Mac in 1988, who together own or insure a substantial number of home mortgages nationwide.  They vetted Demotech's ratings methodology and today, the firm provides FSRs for most of the 55 Florida based property insurance companies, including some of the recent 14 carriers who've entered the market since the Florida Legislature's 2022-2023 litigation and consumer protection reforms.  Now in its 40th year, Demotech rates insurance companies across the nation that write billions of dollars of premiums.“We look at carriers independent of their size.  We look at them based on their business model, the execution of that business model, and the complementary nature of their reinsurance program,” said Petrelli.  “So I think that's what makes us unique.  I think when we look at catastrophe prone areas, whether it's wind, fire, tornado, hail, earthquake, what we're looking at is, does your reinsurance program give you the claims paying ability that you need?”  (For full Show Notes, visit https://lisamillerassociates.com/episode-59-how-secure-is-floridas-property-insurance-market/) 

Welcome to a new week here on the Retirement Quick Tips Podcast! I'm your host, Ashley Micciche. This past weekend, I was camping in 100-degree heat with my kids, while my husband had the wisdom to stay home in the air conditioning with our youngest. I was busy packing and stuffing four bikes, three camping totes, two propane tanks, and—yes—basically a partridge in a pear tree into our minivan. So instead of the usual short daily episodes, I'm mixing things up this week and bringing you one longer episode. One of the realities of being a financial advisor is death. Clients die, and it usually happens at least a couple of times a year. When it does, and there's a surviving spouse, part of my job is to make the financial transition as seamless and stress-free as possible. Because when you're grieving the death of a spouse, the last thing you want to worry about is money—or worse, the power being shut off because you couldn't log in to pay the electric bill. Over the years, I've helped many widows and widowers through this transition, and I've developed a Widow's Financial Roadmap. The key is to have this roadmap in place before something happens—before you get sick, become incapacitated, or pass away. If you don't, your spouse may be left without the information they need to keep the household running smoothly, and the stress of grief will be compounded by financial confusion. If you're new to the podcast, a quick introduction: I'm the co-owner of True North Retirement Advisors, a fee-only fiduciary financial advisory firm managing over $450 million in assets. For 17 years, I've helped my clients retire with confidence. And here on the podcast, I take complex retirement topics and turn them into clear answers in just a few minutes each day—so you can spend less time stressing about money and more time living. If you know someone who would benefit from this week's topic, please share the show. And if you have a burning question about your own retirement, visit truenorthra.com where you can book a free 15-minute call with me. Now, let's talk about the roadmap. I'm going to lay this out in order—what to do first, and what comes next. Hopefully, you've already checked some of these items off, but there may be a few you haven't thought about. Step 1: Create a Financial Inventory I've talked about this on the podcast before, but it's worth repeating. A financial inventory is essentially a table of contents for your finances. It should include: Bank and investment accounts (with balances, account types, and where they're held). Insurance and annuity policies. Will or trust. Social Security information. Tax returns. Marriage certificate. And eventually, your death certificate. Without this inventory, assets can be forgotten or lost. For example, maybe you still have a 401(k) at a former employer that your spouse doesn't know about. Without documentation, that money could remain unclaimed. This inventory should also include a list of your key advisors and their contact information—your financial advisor, CPA, attorney, insurance agents, and even the phone number for the bank where your checking account is held. One mistake I often see, especially later in life, is not consolidating accounts. People keep money scattered across five different institutions, a handful of bank accounts, and maybe an online savings account. That's a recipe for disaster. The more accounts you have, the greater the chance your spouse won't be able to find or access them. Once you've created your financial inventory, maintaining it is easy. Just update it once a year—adjust balances, note any new or consolidated accounts, and make sure contact information is current. It usually takes less than an hour. This is the single most important step for the long-term financial health of your surviving spouse. Step 2: Ensure Cash Flow Needs Are Met The next step is making sure bills continue to get paid. Your spouse needs a list of all recurring bills with: The name of the bill (mortgage, utilities, insurance, etc.). The approximate amount. How it's paid (auto-draft, ACH, check). The due date and frequency. This isn't just a budget—it's a cash flow map for your surviving spouse. When paired with the financial inventory, it allows them to step in immediately and manage the household without the lights getting shut off or the mortgage falling behind. On the flip side, you'll also want to document income sources—Social Security, pension payments, portfolio withdrawals, or other income. That way, your spouse knows not just what bills are due, but also what money is coming in, from where, and when. Step 3: Set Up a Password Manager If you remember nothing else from this episode, remember this: set up a password manager. A password manager securely stores all of your logins, and you only need to remember one master password. Some of the top options include 1Password, NordPass, and Dashlane. This tool is invaluable while you're alive because it improves security and eliminates the need to remember dozens of passwords. But it's especially critical when someone dies. Nearly everything is digital now—bank accounts, investments, utilities, email, social media, even photo storage. Without access, your spouse may spend hours digging through old notebooks or trying to reset passwords—sometimes unsuccessfully. With a password manager, all of that information is organized and accessible. You and your spouse can share logins through the manager, making it easy to cancel subscriptions, manage accounts, or simply retrieve family photos stored in the cloud. It takes a little time to set up, but once it's running, the manager prompts you to save new logins automatically. Over time, it builds a complete record of your digital life—one that your spouse can access when needed most. Step 4: Write a Letter The final step is to write a personal letter to your spouse. This letter isn't legally binding, like a will or trust, but it can provide enormous comfort. Think of it as a cover letter to the roadmap. It should include: A reminder of where the financial documents are located. Words of love and reassurance. Encouragement not to make big financial or lifestyle changes right away. Grief clouds judgment. Many surviving spouses are tempted to sell the house, change investments, or make other major decisions in the first few months. In most cases, those decisions can wait. Your letter can serve as a gentle reminder to pause and breathe before making big changes. Keep copies of this letter with your roadmap—at home in a safe, in a safe deposit box, and with your trusted advisors. That way, it can be easily found when it's needed most. In the First Few Months After a Death So what happens immediately after a spouse passes away? Order multiple copies of the death certificate. You'll need these to handle accounts and claims. Notify key professionals—your financial advisor, attorney, CPA, and insurance companies. Start claims and transitions—life insurance, Social Security survivor benefits, and retitling accounts. Keep bills paid. If your spouse didn't handle finances before, enlist the help of a trusted child, friend, or advisor to make sure nothing slips through the cracks. Meet with a tax advisor. Your filing status will change, and that can have a big impact on your taxes. Longer-term changes—like adjusting investment withdrawals, selling the house, or revising estate plans—can wait until the fog of grief begins to lift, often 6–12 months down the road. At that point, you'll be in a clearer frame of mind to make big decisions. To recap, the Widow's Financial Roadmap includes four steps: Create a financial inventory. Ensure cash flow needs are met. Set up a password manager. Write a letter to your spouse. Do these now, while you're healthy, and you'll make life much easier for your loved ones later. That's all for this week's episode of the Retirement Quick Tips Podcast. Thanks for listening, and I'll be back next week with more!  

Top 5 Topics:- Doctors vs. Dentists: The Surprising Lifestyle Trade-Offs- Oral Surgeons vs. Periodontists: Inside the Hidden Rivalry- The Insurance Scam: Why Your Dentist Isn't Paid Fairly- Who Really Runs Dentistry? Private Equity, DSOs, and the Decline of Autonomy- From Wine Tasting to Surgery: How Passions Outside Medicine Make Better DoctorsQuotes & Wisdom:“You know you're doing well when the nurses trust you with their care. That's the ultimate compliment.” (00:00)“Dental school does a terrible job of exposing students to what perio really is—we're not just doing cleanings, we're doing real surgery.” (02:33)“Having a strong relationship between oral surgeons and periodontists is so crucial. That's how you best serve patients.” (03:53)“Hospitals don't pay surgeons to take call anymore. Why should young doctors work for free? This is where the system is failing.” (05:25)“Insurance companies are still paying based on 1970s rates. Everything else has inflated, but our work is being devalued.” (12:54)“Most DSOs are owned by investors, not dentists. They know money—but they never took an oath for patient ethics.” (14:42)“Interviews aren't multiple-choice exams, they're conversations. Find common ground and show who you really are.” (33:37)“Anything you can do with your hands—fashion, textiles, sewing—will make you a better surgeon.” (32:07)“Just because a wine is expensive doesn't mean it tastes good. Everyone has a different palette.” (34:59)“Four years in, life looks so different—you finally feel more stable, and that's when the real world begins.” (41:37)Questions:00:05 – Did you notice doctors steering their kids from medicine toward dentistry?01:11 – What did you mean when you mentioned “beef” between oral surgery and perio? 02:10 – Do you feel dental schools do a poor job of showing what periodontics really is?04:39 – Why don't more oral surgeons want to take trauma call in hospitals?08:32 – What are your thoughts on dental schools “boxing” specialties into insurance-driven niches?27:32 – How did you first get into running your wine Instagram pages?Now available on:- Dr. Gallagher's Podcast & YouTube Channel- Dose of Dental Podcast #169- 8.2025#podcast #dentalpodcast #doctorgallagherpodcast #doctorgallagherspodcast #doctor #dentist #dentistry #oralsurgery #dental #dentalschool #dentalstudent #doctorlife #dentistlife #oralsurgeon #doctorgallagher

In this episode of The Marvin Francois Show, wealth strategist and life insurance expert Lindsay Smith breaks down how to use life insurance not just for protection, but as a powerful tool to build wealth, fund businesses, and create generational legacy. With over 15 years of experience, Lindsay shares her journey from entrepreneurship to becoming a leading mentor for agents nationwide, while educating families on practical strategies to secure their financial future. From debunking myths to explaining real-life success stories, this conversation highlights how anyone can leverage insurance for financial freedom and long-term security.

What will the specialty insurance market look like a decade from now? Will we still be talking about legacy systems and manual processes, or will the model itself have changed? In this panel discussion from InsTech's Outpace. Outprice. Outperform event, Robin Merttens leads a conversation with four senior experts on the future of the market and the forces that could reshape it. Featuring: Paul Carroll, Editor-in-Chief, Insurance Thought Leadership Toby Kovacs, Account Director, Google Cloud Andy Yeoman, CEO and Co-founder, Concirrus Tracie Thompson, Global Head of Strategic Clients, Cytora Together, they examine how emerging technologies, shifting client expectations and economic realities are pushing the market to rethink long-held assumptions about distribution, underwriting and talent. In this conversation, the panel explores: Whether brokers, underwriters and annual renewals will still have a role How capital and distribution are bypassing traditional intermediaries Why outsourcing is being redefined in the age of AI The impact of legacy behaviours, not just legacy systems How new models of work and regulation are influencing transformation Whether the protection gap is closing — or widening If you like what you're hearing, please leave us a review on whichever platform you use or contact Robin Merttens on LinkedIn.  Sign up to the InsTech newsletter for a fresh view on the world every Wednesday morning. Continuing Professional Development This InsTech Podcast Episode is accredited by the Chartered Insurance Institute (CII). By listening, you can claim up to 0.5 hours towards your CPD scheme. By the end of this podcast, you should be able to meet the following Learning Objectives: Describe how AI and automation are reshaping the boundaries of outsourcing in specialty insurance. List the key areas of the insurance value chain likely to undergo transformation in the next 10 years. Measure the potential impact of continuous underwriting and data-driven models on policy efficiency and pricing accuracy. If your organisation is a member of InsTech and you would like to receive a quarterly summary of the CPD hours you have earned, visit the Episode 369 page of the InsTech website or email cpd@instech.co to let us know you have listened to this podcast. To help us measure the impact of the learning, we would be grateful if you would take a minute to complete a quick feedback survey.

Even retirees who've paid off their homes are struggling with the cost of living as pressure goes on rates and insurance, financial mentors say. Money correspondent Susan Edmunds spoke to Ingrid Hipkiss.

This week, I had the chance to interview my longtime client (and now good friend) Jim Palmer, a PT in New York City who built a completely mobile, cash-based practice that he has grown to multiple clinicians and multiple services outside of PT. Jim had worked the gamut—staff PT, clinic manager, clinic director—and like so many therapists, he felt handcuffed. Insurance restrictions, shrinking treatment times, more patients packed into every day. He described it as his “life force being squeezed out.” But Jim didn't quit. Instead, he built something different. In one of the toughest markets in the country—New York City—Jim launched a fully mobile cash-based practice. He started just months before the pandemic, pivoted to virtual PT when the city shut down, and somehow grew through it all. Today, his practice isn't just surviving—it's thriving with a full team of clinicians, concierge services, medical fitness programs, a golf performance arm, and referral relationships with high-level concierge physician groups across Manhattan… In today's episode, you'll learn exactly how he did it. And here's the part you don't want to miss:  Jim will be hosting a members-only deep-dive training and Q&A in our Cash Practice Mastermind a few days after this blog post is published, where members can ask him anything about scaling, referrals, or running a mobile team. If you want access to that (and to the kind of support that accelerates your success), you can join us and the rest of the successful cash-pay practice owners HERE for 50% off your first month — just use promo code “AUGUST50” at checkout. USEFUL INFORMATION: Check out our course: Cash-Based Practice Freedom 2.0

• Sponsor plugs for Bart Merrick realtors and Just Call Mo • Wordplay with Hot Crystal Van/Rainy Bart Merrick • Housing market slow, Fed rates, experience matters, houses sitting, real estate biggest decision • Friday free show announced • Seth Petruzzelli guest, first appearance in years, brings daughter Vera • Jokes about health, colonoscopy, IAS syndrome • Baby sounds on mic, Dan's CTE/death song • Parenting sacrifices, kids growing fast, dance studio life • Seth juggling dojo, house sale stress, slanted room, inspectors nitpicking • House dropped from $1.799M to $1.299M • Million-dollar homes common now, Trump house in Winter Park lowers appeal • Seth reads Brown Bear to Vera, dad life fulfilling • Dojo students still testing, but marketing neglected • Friends like Jackal help, his daughter earns black belt • Vera choking scares, anti-choking device, treadmill running gag • Butt cancer jogging jokes • Seth bullied as “mop head,” dad threatened principal with karate death blow • Tommy adjusting to sixth grade, awkward transitions, name-using debate • Seth recalls Christian school and Bishop Varel drug issues • Seth's boat broke after sitting too long • Looking for female roommate to help babysit Vera, prefers no dogs, okay with reptiles • Parenting challenges with Vera's SpaghettiOs diet • Ongoing B6 toxicity muscle twitching • Vera learning karate punches in Japanese • Music break: Teen Mortgage “Box” • Hollerbach's German Restaurant wins Best Restaurant 2025 • Praised for schnitzel, sausage platter, pork shank, spätzle, kids menu • New T&D pins available, Knight's Table events • Straw hats by Hittin Skins/Danger Brain • Fantasy Football draft on Twitch with catering from The Joint • Pinball Dudes tournament with Ross and EJ, better camera setup • Draft frustrations • Max learning breakdancing, hitting windmills, hopes to impress peers • Dan recalls drumming at black church, excitement for son's moments • Listener Jeff “Nutman” visits, therapist, offers Tom scraping therapy for “limp cock foot” • MRI inconclusive, willing to try gua sha • Miami Heat guard Marcos Perez stole 400+ jerseys/memorabilia, sold $1.9M • LeBron Finals jersey resold $3.7M • Items from Wade, Butler, Bosh, Mourning, Shaq • Lack of cameras allowed theft, facing 10 years • Dolphins security family tie mentioned • Tyreek Hill cleats worth ~$10K • Caller Rob's recurring butt abscess, hospital lancing, embarrassing but funny • Fiber supplements and clean bowel jokes • Caller recalls Sarasota Pee-wee Herman theater, Guthrie's gut box • Make-A-Wish survivor “owe back” jokes • Peanut roadside stories • Local rapper MC Search, Pete Nice memorabilia scam • Music by White Reaper, Bowling Shoes • Sponsor Modern Plumbing Industries offering discounts and installs • Jen joins, surname debates, euphonium joke, Becca in jazz band • Hogan death rumor • Jen fixes engines, bad financial decisions, Gateway PC, Mars Music credit spree, Technics 1200s • Pregnant in court with detoxing lawyer • Blockbuster decline stories, stealing media, renting consoles, like Home Depot waste • Insurance jobs pay well but hated • Jen considering insurance, influencer idea dismissed, maybe producer • Crystal stops in for peanuts • Food service memories • Blockbuster porn rental awkwardness • Norm and Crystal contributions • 3D printing toys, micropenises, valve caps • Scandinavian kaffeost voicemail, Viking toughness • Voicemail about orgasms • Heat warning • Viral Bijan Robinson drill • Dan scooter photoshoot, motorcycle safety, Brad Hines death, SeaWorld ride memory • Bike discomfort, anatomy jokes, DCF concerns • Jen birthday wishes, insurance job search, old silly emails • Show wrap-up and comedic disclaimer ### **Social Media:**   [Website](https://tomanddan.com/) | [Twitter](https://twitter.com/tomanddanlive) | [Facebook](https://facebook.com/amediocretime) | [Instagram](https://instagram.com/tomanddanlive) **Where to Find the Show:**   [Apple Podcasts](https://podcasts.apple.com/us/podcast/a-mediocre-time/id334142682) | [Google Podcasts](https://podcasts.google.com/feed/aHR0cHM6Ly9mZWVkLnBvZGJlYW4uY29tL2FtZWRpb2NyZXRpbWUvcG9kY2FzdC54bWw) | [TuneIn](https://tunein.com/podcasts/Comedy/A-Mediocre-Time-p364156/) **The Tom & Dan Radio Show on Real Radio 104.1:**   [Apple Podcasts](https://podcasts.apple.com/us/podcast/a-corporate-time/id975258990) | [Google Podcasts](https://podcasts.google.com/feed/aHR0cHM6Ly9mZWVkLnBvZGJlYW4uY29tL2Fjb3Jwb3JhdGV0aW1lL3BvZGNhc3QueG1s) | [TuneIn](https://tunein.com/podcasts/Comedy/A-Corporate-Time-p1038501/) **Exclusive Content:** [Join BDM](https://tomanddan.com/registration) **Merch:** [Shop Tom & Dan](https://tomanddan.myshopify.com/)

I joined Rohit to break down the real path to building wealth through business. We talked about picking the right boring business, building confidence when no one gives you permission, and why consistency beats intelligence every time. This is for anyone ready to stop analyzing and start taking action. 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  

In this episode of the FNO: InsureTech Podcast, we welcome Kyle Geoghan, Co-Founder and CEO of Indemn, for a deep discussion on the real-world impact of generative AI in insurance. Kyle shares his trajectory from early days in a family insurance agency, through his experience at CoverWallet, to launching Indemn in 2021. The episode details how Indemn began by building an MGA for event insurance with Markel—where nearly 95% of its direct-to-consumer operations rely on AI agents—and how the firm is now focusing primarily on its core SaaS platform. Listeners gain a data-driven understanding of how Indemn's technology automates quoting, underwriting, broker support, and especially broker portal workflows, as well as Kyle's evidence-based view of industry adoption. Key Highlights Kyle traces his roots to his family's Long Island insurance agency, starting at age 12 and later moving to digital innovation at CoverWallet before co-founding Indemn. Indemn was launched in 2021 as a generative AI company for insurance. It initially operated as an MGA selling Markel-backed event and wedding insurance, introducing an AI agent model—at EventGuard, approximately 95% of customer interactions are handled by AI agents. As part of a strategic pivot, Indemn is selling the EventGuard MGA subsidiary to devote greater resources to SaaS technology enablement for carriers, MGAs, and broker networks. Indemn's platform supports AI-driven quoting, stepwise underwriting, certificate generation, and status updates. Broker portal assistance is a core use case, enabling agents to receive accurate, real-time answers to underwriting and product questions, reducing repetitive workload by 30–40% for underwriters and CSRs. Adoption patterns show most consumer users are comfortable with AI workflows, while a majority of brokers also warm to this model over time—particularly when embedded in broker portals with feedback mechanisms for user trust. Kyle notes that, historically, insurance industry adoption has been cautious; however, he identifies late 2022 and 2025 as crucial milestones, with 2025 predicted as a year of significant scaling in generative AI deployment across the sector.

Employer health plans hide behind loopholes. Michelle Whittaker explains redistricting, while workers fight back against Wall Street's job-killing schemes.Subscribe to our Newsletter:https://politicsdoneright.com/newsletterPurchase our Books: As I See It: https://amzn.to/3XpvW5o How To Make AmericaUtopia: https://amzn.to/3VKVFnG It's Worth It: https://amzn.to/3VFByXP Lose Weight And BeFit Now: https://amzn.to/3xiQK3K Tribulations of anAfro-Latino Caribbean man: https://amzn.to/4c09rbE

Universal Basic Income(UBI) works. Employer insurance fails when most needed. CEOs rake in obscene pay while workers struggle to survive.Subscribe to our Newsletter:https://politicsdoneright.com/newsletterPurchase our Books: As I See It: https://amzn.to/3XpvW5o How To Make AmericaUtopia: https://amzn.to/3VKVFnG It's Worth It: https://amzn.to/3VFByXP Lose Weight And BeFit Now: https://amzn.to/3xiQK3K Tribulations of anAfro-Latino Caribbean man: https://amzn.to/4c09rbE

As debates over worker rights ripple across the country, one message continues to echo from state to state: workers deserve the freedom to choose the work arrangements that fit their lives best. But how should lawmakers turn that principle into policy? To help answer that, ALEC Commerce, Insurance, and Economic Development Task Force Manager Alan Jernigan and Institute for the American Worker President Vincent Vernuccio sat down on a recent ALEC TV Breakdown to spotlight the third edition of States That Work: A Labor Policy Roadmap Across America. The publication, they explained, is more than a report—it's a call to action. Special Guest: F. Vincent Vernuccio.

The Friday Five for August 22, 2025: Field Notes on OBBBA, Spotify, and TikTok D. Power Medicare Advantage Member Satisfaction Survey Sonder Health Plans Inc. Termination Short-Term Medical Plan Regulation Update Judge Vacates HHS MA Commissions Lawsuit   Get Connected:

About this episode: The reconciliation bill passed by Congress in July is set to unravel key aspects of the Affordable Care Act that have expanded health coverage to millions of Americans. In this episode: One of the architects of the ACA, Liz Fowler, outlines how work requirements, truncated enrollment periods, and higher premiums will change health care for Americans on Medicaid and Medicare and for those buying coverage through their state's marketplace. Guest: Elizabeth Fowler, PhD, JD, is a distinguished scholar in Health Policy and Management at the Johns Hopkins Bloomberg School of Public Health and previously served as the director of the Innovation Center at the Centers for Medicare & Medicaid Services. Host: Lindsay Smith Rogers, MA, is the producer of the Public Health On Call podcast, an editor for Expert Insights, and the director of content strategy for the Johns Hopkins Bloomberg School of Public Health. Show links and related content: How New Federal Legislation Will Affect Health Care Costs and Access for Americans—Johns Hopkins Bloomberg School of Public Health When Do the One Big Beautiful Bill Act's Health Care Provisions Go Into Effect?—Center for American Progress Health Provisions in the 2025 Federal Budget Reconciliation Law—KFF Transcript information: Looking for episode transcripts? Open our podcast on the Apple Podcasts app (desktop or mobile) or the Spotify mobile app to access an auto-generated transcript of any episode. Closed captioning is also available for every episode on our YouTube channel. Contact us: Have a question about something you heard? Looking for a transcript? Want to suggest a topic or guest? Contact us via email or visit our website. Follow us: @‌PublicHealthPod on Bluesky @‌JohnsHopkinsSPH on Instagram @‌JohnsHopkinsSPH on Facebook @‌PublicHealthOnCall on YouTube Here's our RSS feed Note: These podcasts are a conversation between the participants, and do not represent the position of Johns Hopkins University.

In this conversation, Tyler Powell and Kirk Leister from Turner Adjusting Group discuss the intricacies of public adjusting, the importance of understanding insurance policies, and the role of public adjusters in helping clients navigate claims. They share insights on valuation, co-insurance, and creative solutions for clients facing property damage. The discussion emphasizes the need for expert guidance in the insurance process and explores capital hacking strategies that can benefit real estate investors. Ultimate Show notes: 00:00:43 - Overview of the Episode and Guest Introduction 00:01:45 - Introduction to Turner Adjusting Group and Public Adjusting 00:02:20 - Importance of Proving Insurance Claims 00:03:40 - States with Different Public Adjusting Regulations 00:04:33 - Personal Story: How Tyler and Kirk Started Their Business 00:07:03 - The Impact of Having Multiple Insurance Policies 00:08:05 - Understanding Actual Cash Value vs. Replacement Cost 00:10:05 - Valuing Contents and Depreciation in Insurance Claims 00:12:30 - The Importance of Recoverable Depreciation 00:16:11 - IRS Treatment of Insurance Proceeds 00:18:10 - The Importance of Using a Broker for Insurance 00:20:11 - When to Call a Public Adjuster 00:25:41 - Unique Strategies for Investors in Insurance Claims 00:30:55 - Capital Hacking Opportunities in the Insurance Space 00:35:24 - How to Connect with Tyler and Kirk Connect on Social: https://turneradjusting.com/  Turn your unique talent into capital and achieve the life you were destined to live. Join our community!We believe that Capital is more than just Cash. In fact, Human Capital always comes first before the accumulation of Financial Capital. We explore the best, most efficient, high-integrity ways of raising capital (Human & Financial). We want our listeners to use their personal human capital to empower the growth of their financial capital. Together we are stronger. LinkedinFacebookInstagramApple PodcastSpotify

In this episode, Mayor Heath Shearon, sits down with Thomas Mann to explore the intersection of technology and operations in the insurance industry. Discover how Thomas's journey from a multi-generational insurance background to a tech-focused role has shaped his approach to agency success. They discuss the importance of integrating technology with operations, avoiding common pitfalls, and the value of involving your team in tech decisions."Nothing is fully launched until it's embedded in a process.""You should design your processes and your tech stack around the customer journey.""The greatest piece of tech that ever existed is just going to be a drain on the P&L if your people don't use it."Key Topics:The evolution from agency to tech operations Importance of aligning technology with agency processes Avoiding shiny object syndrome in tech adoption The role of team involvement in tech decisions Insights on building a cohesive tech ecosystemConnect with Thomas Mann on LinkedIn or visit agency-focus.com to book a call and explore how to enhance your agency's tech and operations.Link in first comment.

Send us a textHe knows how to sell Las Vegas like no other! We dig deep into the Vegas Revealed Vault and play our interview with former Las Vegas Mayor, Oscar Goodman. Goodman is 86 years-old now. He's still a very visible part of Las Vegas. He was recently at the opening of a new sportsbook at Ellis Island Casino. He also has a popular steakhouse at The Plaza called Oscar's Steakhouse. His stories will have you laughing and celebrating Las Vegas. He even had a role in the 1995 movie Casino. Enjoy this interview from 2020.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 Monsoon damage? Insurance company low-balling you? Call Jonathan Wallner of Galindo Law for a FREE Claim Review at 800-251-1533. VegasNearMe AppIf 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

Text us a pool question!In this episode of the Talking Pools podcast, hosts Steve and Wayne discuss the top 10 nominees for the Mentor of the Year award in the pool industry, highlighting the importance of mentorship. They also delve into the differences between cold plunge pools and chillers, explaining their distinct purposes and benefits. The conversation shifts to insights from the insurance industry, particularly regarding pool service and construction. Finally, they share experiences navigating customer expectations and the importance of clear communication in service delivery.takeawaysMentorship is crucial in the pool industry.Cold plunge pools serve a different purpose than chillers.Understanding customer needs is key to service success.Effective communication can prevent misunderstandings.Insurance knowledge is vital for pool service businesses.Regular testing of pool water is essential for safety.Chillers help maintain comfortable water temperatures.Cold plunge pools are used for sports therapy and recovery.Customer expectations should be managed from the start.Investing time in understanding client needs pays off.Sound Bites"These 10 were the significant 10!""A chiller is not a cold plunge pool!""Your time is valuable!"Chapters00:00Celebrating Mentorship in the Pool Industry07:00Understanding Cold Plunge Pools vs. Chillers14:55Insights from the Insurance Interlude25:06Navigating Customer Expectations and Communication Support the showThank you so much for listening! You can find us on social media: Facebook Instagram Tik Tok Email us: talkingpools@gmail.com

In this episode of the Real Estate Pros podcast, host Q Edmonds interviews Barry Page, a seasoned expert with over 40 years of experience in financial services and real estate. Barry shares his insights on helping families and businesses navigate financial challenges, the importance of financial independence, and the impact of personal experiences on his career. He discusses overcoming adversity in real estate, the significance of networking and self-education, and his current focus on scaling his business while helping others achieve financial success.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true ‘white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a “mini-mastermind” with Mike and his private clients on an upcoming “Retreat”, either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas “Big H Ranch”? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------