Podcasts about Insurance

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

Ever check your payslip… your student debt… your mortgage… and wonder if you're just treading water?You're not alone, and you're not stuck.In this episode we revisit one of the most neglected topics in the profession: money.Hubert sits down with US-based financial adviser Eric Miller to break down the decisions that can actually move the money-needle for employed vets: from budgeting and debt to investing, insurance, and increasing your income. (We do global principles with US specifics)No jargon. No guilt. Just a clear starting point for vets who know they should have a plan… but haven't begun yet.Here's what you'll learn:Why practice ownership isn't the only route to financial securityThe one habit that underpins every solid financial planA simple 70/20/10 framework for spending, investing, and enjoying your moneyHow to handle student debt without letting it control your lifeWhether to prioritise debt repayment, investing- or bothThe difference between good debt and bad debt (and why it matters)How automation quietly builds wealth in the backgroundWhat young vets need to know about insurance, income growth, and lifestyle creepAnd perhaps most importantly:A more grounded, reassuring view of the profession itself.Yes, financial pressure is real.But Eric will convince you that veterinary medicine is still a strong, high-potential career - IF you do it right.  ⁠⁠thevetvault.com⁠ for show notes, access to our clinical continuing education content and to sign up for our weekly 'best of the Vet Vault' newsletter, or join us in person at one of our phenomenal Vets On Tour conferences. Topics and Time Stamps04:24 Biggest Financial Mistakes05:42 Budgeting & The 70/20/10 Rule14:41 Retirement Planning & 401k24:09 Student Debt & How to Tackle It26:22 Loan Forgiveness28:58 Pay Off Debt vs. Invest31:53 The Debt Snowball Method (it's a good thing!) 33:55 Increasing Your Income37:44 Constructive vs. Destructive Debt41:35 Insurance & Health Coverage44:06 Looking Ahead: The Veterinary Industry49:45 One Financial Habit for Ne w GradsWe love to hear from you. If you have a question for us or you'd like to give us some feedback please get in touch via our contact or catch up with us on ⁠⁠Instagram⁠⁠.And if you like what you hear, please share the love by clicking on the share button wherever you're listening and sending a link to someone who you think should hear this. 

Mikk and I sat down to talk about what it really means to build a business that supports the life you want instead of trapping you in a cycle of stress and burnout. I walked him through the lessons I've learned from operating service companies, investing in real estate, and hiring globally to lower overhead. We got into how I've used boring, simple businesses to build leverage, why momentum is the most dangerous drug in entrepreneurship, and how I protect my time so I can focus on what matters. We also talked about content, writing the book, and the pressure that comes with growing a holdco while staying grounded. This episode is about discipline, delayed gratification, and building a system that gives you real freedom. 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  

Teresa Baglietto has lived through the kind of compounded harm that exposes how thin the safety net really is. In this episode she walks through a life shaped by medical neglect, personal violence, and the exhausting labor of self advocacy. She nearly died after a C section when hospital staff failed to confirm she had urinated before discharge, spending 15 days hospitalized and separated from her newborn while facing the possibility of permanent damage. In 2013 she discovered an aggressive breast cancer and waited weeks for test results and surgery while administrators stalled and passed responsibility. Care only moved forward after she threatened public exposure. Teresa also speaks openly about surviving rape in high school, losing her father to cancer at age 48 when she was 10, and growing up without reliable adults in the room. She explains why it took 7 years to write her book, why she launched a podcast, and how sales grit becomes a survival tool when patients must fight systems designed to delay them. The conversation stays specific, unsentimental, and grounded in consequence.RELATED LINKSTeresa Baglietto on LinkedInThe Ripple Effect by Teresa BagliettoIn Shock PodcastIn Shock Podcast on InstagramCanvas Rebel interview with Teresa BagliettoFEEDBACKLike this episode? Rate and review Out of Patients on your favorite podcast platform. For guest suggestions or sponsorship email podcasts@matthewzachary.comSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In episode 249 of America Adapts, host Doug Parsons takes a deep dive into the growing climate-driven insurance crisis reshaping housing and communities across the United States. Doug first speaks with Rob Moore and Alfonso Pating of the Natural Resources Defense Council about their new reports on the nation's emerging insurability crisis—why premiums are rising, insurers are retreating from high-risk areas, and what state policies can do to reduce risk and keep homes insurable. Then filmmaker George Siegal joins the show to discuss his documentary Built to Last: Buyer Beware, which reveals how many American homes are simply not built to withstand the disasters they face. Together, these conversations connect the dots between climate risk, insurance markets, and the way we build our communities—showing how insurance is becoming one of the clearest warning signals of climate change in action. https://www.americaadapts.org/episodes/an-uninsurable-country-what-rising-climate-risk-means-for-homeowners Experts in this Episode: Rob Moore - Director of the Climate Adaptation Division at NRDC  Alfonso Pating - Global financial regulations specialist with NRDC.  George Siegal - Award-winning documentary filmmaker, Director, Producer and owner of Move the World Films Key Themes Covered in This Episode What an "insurability crisis" is—and why it's emerging across the U.S. Why premiums are rising, policies are disappearing, and insurers are pulling back What makes a home insurable: risk, location, and construction The role of states in shaping insurance markets, building codes, and land use How FAIR Plans work and why they're rapidly expanding Whether FAIR Plans can become tools for resilience, not just backstops How insurance markets are acting as a signal of climate risk Why many homes are not built to withstand today's disasters The tension between affordability and resilient construction What this all means for the future of housing and adaptation For Educators & Students How insurance markets are responding to climate risk The role of states in shaping insurance, building codes, and land use The connection between housing, affordability, and resilience Insurance as an economic signal of climate change Professors are welcome to assign this episode or excerpts in syllabi Who Should Listen to This Episode Climate adaptation and resilience professionals State and local officials focused on housing, risk, and planning Urban planners and developers working in high-risk areas Insurance and finance professionals tracking climate risk Climate communicators and educators explaining these shifts Transcript of Rob Moore and Alfonso Pating interview avaible here. Transcript of George Siegal interview available here.  This episode was generously sponsored by the Natural Resources Defense Council Check out the America Adapts Media Kit here! Subscribe to the America Adapts newsletter here. Donate to America Adapts Facebook, Linkedin and Twitter: https://www.facebook.com/americaadapts/ @usaadapts https://www.linkedin.com/in/doug-parsons-america-adapts/ Links in this episode: An Uninsurable Country https://www.nrdc.org/resources/uninsurable-country https://www.nrdc.org/resources/insurance-fair-future https://builttolastmovie.com/ Doug Parsons and Speaking Opportunities: If you are interested in having Doug speak at corporate and conference events, sharing his unique, expert perspective on adaptation in an entertaining and informative way, more information can be found here! Facebook, Linkedin and Twitter: https://www.facebook.com/americaadapts/ https://bsky.app/profile/americaadapts.bsky.social https://www.linkedin.com/in/doug-parsons-america-adapts/ Donate to America Adapts Follow on Apple Podcasts Follow on Android Now on Spotify! List of Previous Guests on America Adapts Follow/listen to podcast on Apple Podcasts. Donate to America Adapts, we are now a tax deductible charitable organization! The 10 Best Sustainability Podcasts for Environmental Business Leadershttps://us.anteagroup.com/news-events/blog/10-best-sustainability-podcasts-environmental-business-leaders Join the climate change adaptation movement by supporting America Adapts!  Please consider supporting this podcast by donating through America Adapts fiscal sponsor, the Social Good Fund. All donations are now tax deductible! For more information on this podcast, visit the website at http://www.americaadapts.org and don't forget to subscribe to this podcast on Apple Podcasts.   Podcast Music produce by Richard Haitz Productions Write a review on Apple Podcasts ! America Adapts on Facebook!   Join the America Adapts Facebook Community Group. Check us out, we're also on YouTube! Subscribe to America Adapts on Apple Podcasts Doug can be contacted at americaadapts @ g mail . com

In this episode of the Health Coach Academy Podcast, we sit down with therapist, entrepreneur, and somatic practitioner Helen Malinowski to explore how she transformed her private practice from $150,000 to over $1 million in revenue in just five years. Helen shares the powerful story of how burnout forced her to rethink the traditional one-on-one service model and ultimately led her to build a thriving multi-clinician practice with nearly 30 clinicians and multiple locations. If you're a health coach, therapist, or wellness practitioner, this conversation will challenge the belief that helping professions must equal exhaustion. Helen explains how listening to your nervous system, setting boundaries, and building community can unlock both impact and financial success. You'll also learn why expanding beyond the solo practitioner model may be the key to building a sustainable and scalable health or coaching business. What You'll Learn in This Episode How Helen grew her practice from $150K to $1M in five years The burnout trap many therapists and health coaches fall into Why the traditional one-on-one client model isn't sustainable How nervous system regulation can guide better business decisions The mindset shift that allowed Helen to start saying no to clients How building a team and group practice created freedom and impact Why community and mentorship are essential for practitioners Marketing strategies that actually work for wellness professionals The power of local networking with doctors, chiropractors, and other providers How health coaches fit into the holistic healthcare ecosystem Helen Malinowski's Origin Story Helen grew up in a family of research scientists in Woods Hole, Massachusetts, and originally believed science was her only career path. But after discovering psychology and later social work, she found her calling helping people through counseling and trauma therapy. As her private practice grew, so did the demands. Like many practitioners, Helen struggled with: Business skills Marketing and finances Boundaries with clients Overwork and emotional fatigue By 2019, she realized something was wrong. She was experiencing classic burnout symptoms: Exhaustion Irritability Dreading work Feeling overwhelmed Ironically, she was burning out doing the work she loved most. The Turning Point: Discovering Somatic Experiencing Helen enrolled in somatic experiencing training, initially believing it would help her clients. Instead, it changed her life. Through this training she began to understand: How the nervous system affects decision making Why burnout happens in helping professions How to listen to internal signals of stress and capacity This new awareness helped her build a practice that aligned with her energy, values, and nervous system regulation. Why One-on-One Coaching Can Lead to Burnout One of the biggest insights Helen shares is that many practitioners get stuck in the one-on-one client model. While rewarding, it has limits: Your time is capped Your emotional energy gets drained Growth becomes impossible without burnout Helen realized she couldn't continue saying yes to every client. Instead of turning people away, she restructured her entire business model. Today, her practice includes: Nearly 30 clinicians Multiple therapy locations A dedicated children's mental health center Occupational therapy services Coaching and practitioner training programs The Power of Listening to Your Nervous System A major theme of this episode is body awareness in business decision-making. Helen explains that many professionals rely purely on logic and numbers. But your body often knows the answer first. She recommends asking: Does this opportunity feel expansive or draining? Does my body say yes… or hesitate? Am I making this decision from alignment or obligation? Learning to pause and check in with your nervous system can transform both business strategy and personal wellbeing. Marketing Strategies That Work for Wellness Practitioners Helen also breaks down the different marketing strategies she uses for her businesses. For her therapy practice: Psychology Today listings Insurance panels Local physician referrals Networking with healthcare providers Relationships with chiropractors, acupuncturists, and pediatricians For her coaching and training programs: Instagram content Blogs and educational articles Email newsletters Free workshops and trainings Online community building The key takeaway? Visibility + value = trust. Consistently sharing helpful content builds long-term relationships with your audience. Why Health Coaches Are Critical in the Healthcare Ecosystem One of the most important discussions in this episode is the role of health coaches in trauma-informed care. Helen explains that many therapy clients struggle with physical health issues related to stress and trauma, including: Chronic illness Autoimmune conditions Cardiovascular disease Hormonal imbalances Nervous system dysregulation While therapists address emotional healing, health coaches help clients implement daily lifestyle changes that support recovery. This makes health coaches an essential partner in a holistic health ecosystem. Advice for Health Coaches and Wellness Entrepreneurs Helen's biggest advice for practitioners: Slow down before making big business decisions. Instead of rushing into growth, ask: Is this aligned with my energy and values? Does this support my long-term sustainability? Am I building something that truly supports my life? When your business aligns with your nervous system, growth becomes more natural and sustainable. Helen's story is proof that helping people and building a profitable business are not mutually exclusive. By trusting your body, building the right team, and surrounding yourself with supportive community, it's possible to create a practice that flourishes financially while protecting your wellbeing. If you're a health coach, therapist, or wellness professional, this episode will inspire you to rethink what's possible in your career.

One of the most common questions dietitians ask is: “What's the best business model — insurance, hybrid, or private pay?” The real answer? There isn't one perfect model. But there is a model that aligns with your current life season, energy capacity, and long-term goals. In this episode, we break down how each model actually functions in real life not just how it looks on Instagram and how to choose the structure that builds stability without burning you out. This is about sustainability, not trends.

What Is Reduced Paid-Up (RPU) Insurance? Somewhere buried in your whole life insurance policy, there's a provision called the reduced paid-up option. Most people never think about it until they need to. And by then, they're usually Googling it in a mild panic. So let's get ahead of that.  Reduced paid-up insurance is a nonforfeiture option written into every whole life policy. It gives you the right to stop paying premiums and keep a smaller, permanent death benefit, fully paid up, no strings attached, no further payments required. Your cash value funds the whole thing. https://www.youtube.com/live/ypC6twnNlsA What Is Reduced Paid-Up (RPU) Insurance?Key TakeawaysThe Short Answer: What Does "Reduced Paid-Up" Mean?How Does the Reduced Paid-Up Option Work?A Simple ExampleWhat Happens to the Cash Value?Reduced Paid-Up vs. Other Nonforfeiture OptionsWhen Might Someone Use the Reduced Paid-Up Option?Financial HardshipRetirementInherited policiesIntentional simplificationReduced Paid-Up Insurance and the Infinite Banking ConceptWhy IBC Policyholders Rarely Elect RPURPU as a Safety Net Within Your Banking SystemWhy Proper Policy Design MattersBook a Call to Find Out Your Next Step to Time and Money Freedom Why Should You Understand RPU Insurance? It's one of the most important safety nets your policy offers. But if you're building a financial strategy around your whole life policy (especially if you're using it as part of an Infinite Banking system), RPU insurance is something you should understand thoroughly, even if you never plan to use it. This guide covers what the reduced paid-up option is, how it works, how it compares to your other nonforfeiture options, and why it occupies a very specific place in the broader picture of wealth building with whole life insurance. Key Takeaways Reduced paid-up insurance lets you stop paying premiums on a whole life policy while retaining a smaller, permanent death benefit. No further payments are owed, ever. Your cash value isn't lost. It's applied as a single premium to purchase the new, reduced policy, which may continue earning dividends. RPU is one of three standard nonforfeiture options. The other two, cash surrender and extended term, serve different purposes depending on your goals. For policyholders practicing Infinite Banking, electing RPU means stepping off the accelerator. The policy still exists, but the compounding engine that makes IBC powerful slows significantly. Knowing your options is a form of control. You don't have to use RPU to benefit from it being there. The Short Answer: What Does "Reduced Paid-Up" Mean? Reduced paid-up life insurance is a contractual right baked into your whole life policy. If you reach a point where you can't (or don't want to) continue paying premiums, you can elect RPU instead of surrendering the policy entirely. When you do, your insurance company uses the cash value you've accumulated as a one-time net premium to purchase a new whole life policy. Same type of coverage. Same insured person. But with a lower death benefit that reflects the smaller amount of money funding it. No cash comes to you, and no cash leaves your pocket: the whole transaction happens inside the whole life insurance policy. An analogy that might help: imagine you have been renting a large warehouse for your business, paying monthly rent to use the full space. Your needs change, and you can't justify the rent anymore. Instead of walking away and losing the space entirely, you are offered a smaller unit in the same building, fully owned, rent-free, and yours permanently.  While you might have less room, you still have a foothold. That's RPU. The critical thing to understand is that "reduced" refers to the death benefit, not the quality of coverage. You still hold a permanent, participating whole life policy. It just covers a smaller amount. How Does the Reduced Paid-Up Option Work? The mechanics are less complicated than the policy document makes them look. Your policy has been accumulating cash value with every premium payment you've made. When you elect RPU, that accumulated cash value gets applied as a single lump-sum premium. The insurance company then calculates how much fully paid-up whole life coverage that lump sum can buy at your current age and health classification. The result: a new permanent policy with a reduced face amount. No premiums due going forward. The policy stays in force for your entire life. Depending on your carrier (particularly if you are with a mutual company), the paid-up policy may still be eligible for annual dividends. That means your cash value can continue to grow, and in some cases, the death benefit can edge upward over time. The growth won't be dramatic. Without fresh premium dollars feeding the policy, the compounding effect slows down considerably. But it doesn't stop entirely. A Simple Example Say a policyholder has been paying into a whole life policy for twelve years. The original death benefit is $500,000, and the policy has accumulated $80,000 in cash value. Premiums are $8,000 annually. Circumstances shift, maybe a business transition, maybe a pivot in priorities, and continuing those premium payments no longer makes sense. Rather than surrendering the policy and walking away with the $80,000 (minus any fees or outstanding loans), the policyholder elects RPU. The $80,000 cash value purchases a fully paid-up whole life policy with a death benefit of approximately $200,000. Ultimately, that means no more premiums, and your permanent coverage stays intact. The policy may continue to participate in dividends. (These figures are illustrative. Actual RPU amounts vary by age, insurer, policy type, and contract terms.) What Happens to the Cash Value? Your cash value doesn't disappear, it's not surrendered, and it's not paid out to you. It becomes the funding mechanism for your new, smaller policy. Once RPU is elected, the paid-up policy functions like any other whole life contract. If your insurer is a mutual company that distributes dividends, your reduced policy may still receive them. Cash value can continue to accumulate. In some cases, the death benefit gradually increases over time as dividends are applied. The difference is pace. A fully funded whole life policy with regular premium payments and Paid-Up Additions is a compounding machine. A reduced paid-up policy is more like that same machine idling; still running, still producing, but at a fraction of the output. Reduced Paid-Up vs. Other Nonforfeiture Options RPU isn't your only route if you need to stop paying premiums. Whole life contracts include three standard nonforfeiture options, each designed for a different set of circumstances. Cash SurrenderExtended TermReduced Paid-UpWhat happensPolicy terminated. You receive the accumulated cash value (minus fees and loans).Cash value buys a term policy at the original death benefit for a limited period.Cash value buys a smaller permanent whole life policy.Death benefitNone - coverage ends.Same as the original, but only for a fixed term.Reduced, but permanent and lifelong.Future premiumsNone - policy is cancelled.None during the term period.None - policy is fully paid up.Cash value after electionPaid out to you.No further accumulation.May continue to grow via dividends.Best suited forYou need immediate liquidity and are willing to give up coverage entirely.You want the full death benefit maintained for a specific window of time.You want to keep permanent coverage without any future premium obligation. RPU sits in the middle ground. You lose some death benefit, but you keep permanent coverage and a policy that can still participate in dividends. It's the option that preserves the most long-term value if you don't need immediate cash and don't want to gamble on a term expiration date. Which option fits best depends on what the policy is doing in your financial life. If it's just a death benefit, the calculus is one thing. If it's a cornerstone of a broader wealth strategy, the calculus shifts considerably. When Might Someone Use the Reduced Paid-Up Option? People elect RPU for all sorts of reasons, and none of them are failures. After all, life changes, and priorities shift. Either way, a good policy is designed to give you flexibility when that happens. Financial Hardship Job loss, health setbacks, a business downturn, if your income drops and premiums become unsustainable, RPU protects what you've already built without forcing you to surrender everything. Retirement As you move from accumulation years to distribution years, your relationship with premium payments naturally changes. Some retirees elect RPU because the reduced death benefit still covers their estate planning needs, or their income can no longer support the premium payments. Inherited policies If you've inherited a whole life policy from a family member, you may not have the budget or the desire to continue paying premiums on a policy you didn't choose. Electing RPU keeps the coverage in force at no ongoing cost. Intentional simplification Multiple policies, shifting coverage needs, and a desire to streamline. Sometimes RPU is just the cleanest way to right-size your insurance without losing the permanent coverage you've built over years of payments. Every one of these situations is legitimate, and the reduced paid-up option exists precisely to serve them. It's a built-in exit ramp, of sorts, not a sign that something went wrong, but proof that the policy was designed to handle real life. Reduced Paid-Up Insurance and the Infinite Banking Concept Most content about RPU insurance treats it as an isolated insurance term. Define it, compare it to the other nonforfeiture options, and move on. But if you are using your whole life policy as part of an Infinite Banking strategy,

This week on Ask Farnoosh, Farnoosh kicks things off with a behind-the-scenes look at a whirlwind week in journalism and media. She shares highlights from her recent interview with Senator Cory Booker about his bold new “Keep Your Pay Act” proposal, which would eliminate federal income tax on the first $75,000 of income, and discusses what that could mean for working Americans. She also reflects on being featured in Kiplinger's latest issue on the best financial advice experts have ever received, sharing a career lesson that shaped her own path: learning to earn money not just from what you do, but from what you know. Plus, Farnoosh announces her upcoming free webinar on March 26 about how to land a big book deal (register using the link).Then, a quick breakdown of the latest money headlines that matter for your wallet: mortgage rates climbing back above 6% and what that means for today's “frozen” housing market, the widening K-shaped economy separating households that are thriving from those struggling with rising costs, and early signs that the once-hot job market may be cooling—along with why now is a good time for a financial check-up.In the mailbag, Farnoosh tackles listener questions including: • Should high earners prioritize Roth 401(k) contributions or diversify across other retirement strategies? • What to watch out for when a financial advisor pushes variable universal life insurance instead of traditional investing. • Creative ways families are making childcare and daycare costs more manageable. • How a teenager's part-time income and assets can affect FAFSA eligibility and college financial aid. Hosted on Acast. See acast.com/privacy for more information.

Author Barry James Dyke exposes how Wall Street is targeting life insurance companies—and putting everyday Americans' savings at risk. Using real examples, including the collapses of Phoenix Life and Ohio National, Barry reveals how private equity firms manipulate debt, reserves, and regulations—often with taxpayer support—leaving policyholders and retirees exposed. He also explains what individuals can do today to protect their wealth and retirement from these growing threats.Watch the Video on Youtube for Visuals - https://youtu.be/EqGOaSpayO4Want a Whole Life Insurance Policy to Protect Your Retirement? Go Here: https://bttr.ly/bw-yt-aa-clarityBuy Your Tickets to the Life Insurance Summit! Click Here: https://betterwealth.com/summitConnect with Barry: https://www.barryjamesdyke.com/Learn More About BetterWealth: https://betterwealth.comTimestamps:00:00 - Introduction to Private Equity in Insurance 01:25 - Defining Private Equity and How It Works 07:46 - Impact on Retirement and Insurance 09:37 - Collapse of Phoenix Home Life 11:53 - Global Examples of Insurance Failures 14:34 - Financial Sorcery: Dividend Recaps 17:34 - Case of Ohio National 20:11 - Identifying Secure Insurance Companies 22:35 - Tools for Analyzing Insurance Balance Sheets 31:00 - Global Retirement Systems and Happiness 36:07 - Value of Cash Value Life Insurance 40:04 - The "Mickey Mouse Plan" 41:21 - Bank-Owned Life Insurance (BOLI) 45:10 - Why Wall Street Avoids Promoting Mutual Insurance? 48:23 - Final Recap and AdviceDISCLAIMER: 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.

Carl and Mike are joined by Bryant McFadden as they discuss the last NFL headlines and the Falcons front office saying Tua Tagovailoa has been brought in to compete for the starting role.

3 O'clock Hour :00 – Carl and Mike get back into Falcons talk as they share more thoughts on the idea of the team bringing in Tua Tagovailoa and creating a competition for the starting quarterback position, agreeing Tua was the better option in regards to bringing someone in to push Michael Penix Jr. :20 – Carl and Mike are joined by Bryant McFadden as they discuss the last NFL headlines and the Falcons front office saying Tua Tagovailoa has been brought in to compete for the starting role. :40 – Carl and Mike get into what's on DA-DA's mind as they discuss GHSA basketball state championships, talent like Kate Harpring leaving the state of Georgia, Dabo Swinney shouldering blame for Clemson shortcomings in 2026 and Erik Spoelstra saying he's not apologizing for Bam Adebayo's 83-point night.

Introduction What if the biggest friction point in insurance isn't underwriting or distribution, but the moment a policyholder actually gets paid? For an industry built on the promise of financial protection, the claims payout process remains stubbornly analog, slow, and vulnerable to fraud. In this episode of the Insurtech Leadership Podcast, host Joshua Hollander sits down with Andrew Jernigan, Head of Insurance, North America at Pliant, to dissect how card-based payout infrastructure is reshaping claims operations. From single-use virtual cards that eliminate fraud vectors to tokenized wallet payouts that meet policyholders where they already transact, Jernigan makes the case that modernizing the last mile of claims isn't just an ops upgrade, it's a revenue strategy. Guest Bio Andrew Jernigan is the Head of Insurance, North America at Pliant, a card-as-a-service platform modernizing claims and benefit payouts for insurers and payers. Prior to Pliant, he was the founder and CEO of Insured Nomads, a company built to serve globally mobile professionals with embedded insurance and financial wellness products. Jernigan brings a rare combination of carrier-side operating experience and fintech product instincts to the claims payout problem. Key Topics • Card-Based Claims Payouts - How single-use and virtual cards replace checks and ACH transfers, reducing settlement time from days to seconds • Fraud Reduction Through Card Infrastructure - Why single-use cards with merchant category restrictions eliminate common payout fraud vectors • Interchange as a Revenue Lever - The economics of card-based payouts: insurers can generate interchange revenue while reducing operational costs • Tokenized Wallet Payouts - The near-term future where claims land directly in Apple Pay or Google Wallet, removing the need for physical cards entirely • Branded Payout Experience - How carrier-branded payment cards turn the claims moment into a customer experience and retention touchpoint • Implementation Simplicity - Why modern card-as-a-service platforms can integrate in weeks rather than the months-long cycles of legacy payment systems • Communication as Retention Strategy - The hidden cost of poor claims communication and why payout speed alone doesn't solve the customer experience gap Notable Quotes "Use other people's money. That's literally the best advice in payments." • Andrew Jernigan, Head of Insurance, North America, Pliant "People are tired of believing that insurance is going to be like pulling teeth. They're waiting for innovation to happen." • Andrew Jernigan "It's not just speed. It's control. A single-use card means the money can only go where it's supposed to go." • Andrew Jernigan Resources Guest: • Pliant: https://www.pliant.io/ • Andrew Jernigan on LinkedIn: https://www.linkedin.com/in/andrewjernigan/ Host & Organization: • Joshua R. Hollander on LinkedIn: https://www.linkedin.com/in/joshuarhollander/ • Horton International (USA): https://www.horton-usa.com/ • Insurtech Leadership Podcast (LinkedIn Showcase): https://www.linkedin.com/showcase/insurtech-leadership-show Subscribe & Review If you enjoyed this episode, subscribe on your favorite platform and leave a review. The Insurtech Leadership Podcast is available on YouTube, Podbean, Apple Podcasts, and Spotify.

Where did probability come from? In this episode, Brad Harris explores how the invention of probability reshaped humanity's relationship with uncertainty—and why artificial intelligence (AI) ultimately runs on the same mathematics of prediction. For most of human history, the future was not something people tried to calculate. It was fate, providence, or the will of the gods. Then in the summer of 1654, two French mathematicians—Blaise Pascal and Pierre de Fermat—began exchanging letters about a gambling problem. From that correspondence emerged one of the most powerful ideas in human history: probability. Once uncertainty could be quantified, the consequences were enormous. Insurance markets became possible. Medical treatments could be tested through clinical trials. Governments began measuring populations statistically. Engineers could calculate risk and safety margins. Modern science itself increasingly relied on statistical reasoning. But the story doesn't end there. Today, the same probabilistic thinking underlies the most powerful technology ever created: artificial intelligence. Large language models like ChatGPT are fundamentally prediction engines—systems trained to calculate what words are most likely to come next. From ancient gambling games to modern AI, this episode explores how the invention of probability transformed the modern world—and why we are now living inside the most powerful prediction machines ever built. If you like Context with Brad Harris, you can help keep the show going and access bonus episodes through Patreon or by subscribing through Apple Podcasts or Spotify.  Find Brad Harris on X @bradcoleharris

HOUR 1: Insurance is a scam..until you need it. But will they actually pay out? full 2266 Thu, 12 Mar 2026 19:00:00 +0000 3nj33Ivq3NY6MH6p4cOtegUZce8Kf7mX news The Dana & Parks Podcast news HOUR 1: Insurance is a scam..until you need it. But will they actually pay out? You wanted it... Now here it is! Listen to each hour of the Dana & Parks Show whenever and wherever you want! © 2025 Audacy, Inc. News False https://playe

Today's episode explores the financial and ethical dilemmas of modern life, ranging from insurance and retail tipping controversies to the rising costs of pet care and the dangers of sophisticated AI scams. Hosts Dana and Parks combine personal anecdotes with news updates to examine how these issues impact everyday consumers.

Science likes to call itself a meritocracy. Angela Anderson and Brandi Mattson know better. Both served as editors at elite journals (Cell and Neuron), where a single decision could determine who gets tenure, funding, or obscurity. They watched brilliant data get filtered out because the authors did not know the unwritten rules controlled by 5 dominant publishing houses with profit margins higher than Google.In 2020, amid pandemic shutdowns and national reckoning over racial injustice, they co-founded a nonprofit to expose that hidden curriculum. Through the JEDI program, they provide 10 hours of free editorial consulting to scientists who lack access to elite networks. In 1 year alone, 25 awards helped researchers salvage canceled grants, secure NSF career funding, and rebuild careers derailed by rejection.This episode pulls back the curtain on the multibillion dollar publishing engine that profits from taxpayer funded science and reveals who gets heard, who gets sidelined, and how insiders are choosing to redistribute power.RELATED LINKSAngela AndersonBrandy MattsonLife Science EditorsLife Science Editors FoundationCellNeuronNational Science FoundationFEEDBACKLike this episode? Rate and review Out of Patients on your favorite podcast platform. For guest suggestions or sponsorship email podcasts@matthewzachary.comSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this episode, Lamar Garrett from Redbird Security delves into the critical importance of agency-specific cybersecurity tailored for insurance businesses. He discusses how proactive hardware and software maintenance can significantly reduce downtime, while the integration of AI streamlines operations and enhances security protocols. Lamar highlights the differences between general IT providers and insurance-specific MSPs, emphasizing the need for compliance with state and federal data regulations. He also shares best practices for integrating new technology, managing shiny objects, and preventing breaches through layered security and cyber awareness training. Additionally, Lamar addresses the impact of legacy hardware on security vulnerabilities and the importance of building strong relationships and trust within the insurance industry, along with strategies to improve communication about cybersecurity to agency owners.Lamar emphasizes that tailored cybersecurity, proactive hardware management, and clear communication are crucial for insurance agencies to protect their data and scale efficiently. His insights highlight that investing in industry-specific IT solutions is not just smart but necessary in today's digital landscape.Timestamps:00:00 - Introduction to Lamar Garrett and Redbird Security06:25 - The importance of insurance-specific IT solutions08:41 - How cybersecurity breaches impact large organizations and why agencies are at risk12:48 - Common misconceptions about insurance cybersecurity needs16:41 - Optimizing agency tech stacks for efficiency and compliance24:23 - Response times and minimizing downtime for agency management systems28:40 - How AI is transforming insurance IT security and operations32:38 - The hidden costs of aging hardware and legacy systems37:40 - Final thoughts on securing agency data and building industry trustResources & Links:Redbird SecurityRedbird Security on LinkedInApplied Epic MSP PartnershipMicrosoft CopilotEZLinks SoftwareCybersecurity Awareness CartoonsBook: "The Art of Cybersecurity" by David S. TanenbaumConnect with Lamar Garrett:LinkedIn - Lamar GarrettRedbird SecuritySponsors:MavCanopy ConnectGOLI

Pushing Forward with Alycia introduces Lynsey Chediak, a disabled woman and rare disease advocate whose lived experience has shaped work spanning government, global health policy, and biotech. Lynsey shares growing up with arthrogryposis alongside an unaffected twin sister, realizing her difference at school, while also navigating chronic pain, limited medical answers, and systems not built for patients. Additionally, she speaks about how insurance barriers before the Affordable Care Act impacted access. Lynsey discusses rare disease priorities, which includes faster diagnosis, better treatment access, and policy change. Her role at BioMarin involves work to remove prior authorization in California and urging listeners to meet their local representatives. She also recounts ignoring neck pain that resulted in surgery, underscoring self-advocacy, and closes with her mantra that people are stronger than what doctors and medical charts suggest. Mindset Shifts & A-ha's ⚡ An Instant Connection

Artificial intelligence is rapidly transforming the consumer financial services industry. From underwriting and fraud detection to customer engagement and collections, financial institutions are increasingly deploying advanced AI tools to automate processes, personalize services, and improve operational efficiency. We are releasing today, on our Consumer Finance Monitor Podcast show, a discussion of what may be the next major technological shift for the industry: Agentic AI in Consumer Financial Services — AI systems capable of acting autonomously, making decisions, and interacting directly with consumers. The discussion featured Professor Oren Bar-Gill of New York University School of Law, along with Ballard Spahr partners Joseph Schuster and Adam Maarec.  The discussion was hosted by Alan Kaplinsky, the founder and practice group leader for 25 years of the Consumer Financial Services Group and now Senior Counsel. The panel examined how agentic AI differs from earlier forms of automation, the benefits it offers financial institutions and consumers, and the significant legal and regulatory risks it may create. Below are the key takeaways from the discussion. What Is Agentic AI? Agentic AI refers to AI systems that can independently take actions on behalf of users or organizations. Unlike traditional automation, which performs predefined tasks, or generative AI, which primarily produces content, agentic AI systems can: ·                 Make autonomous decisions ·                 Interact directly with consumers ·                 Initiate actions such as transactions or communications ·                 Learn from prior interactions In financial services, these systems may soon conduct customer service interactions, initiate collections calls, execute payments, or manage purchasing tasks for consumers. While these capabilities promise major efficiencies, they also raise complex legal questions regarding accountability, fairness, and consumer protection. Understanding AI-Driven Consumer Harm Professor Bar-Gill framed the discussion by examining potential consumer harms associated with AI-powered decision-making. Drawing on his recent book with Cass Sunstein, Algorithmic Harm: Protecting People in the Age of Artificial Intelligence, he explained that the impact of AI depends largely on the type of market in which it operates.  The book is available on Amazon here. Sophisticated vs. Unsophisticated Markets Bar-Gill distinguishes between: ·                 Sophisticated markets, where consumers are generally able to make informed decisions ·                 Unsophisticated markets, where consumers are more likely to misunderstand complex products In sophisticated markets, AI-driven personalization, such as individualized pricing, can increase efficiency and expand access to products by offering lower prices to consumers with lower willingness to pay. In contrast, in markets involving complex financial products, such as credit cards, mortgages, or insurance, AI-powered personalization may harm consumers who misjudge product costs or benefits. For example, if a consumer mistakenly overestimates the value of a financial product, an AI system may set the price just below that mistaken valuation, leading the consumer to pay more than the product is actually worth. Algorithmic Price Discrimination One area of growing concern is AI-enabled price discrimination, where algorithms tailor prices to each consumer's willingness to pay. Examples cited during the discussion included: ·                 Airlines experimenting with AI-based pricing strategies ·                 Online retail platforms offering individualized prices for identical products ·                 Insurance companies using algorithms to optimize premiums While pricing based on individual risk, such as in insurance underwriting, is widely accepted, pricing based on willingness to pay raises significant consumer protection concerns. As these practices expand, they are likely to attract increased attention from regulators and lawmakers, particularly at the state level. AI Use Cases in Consumer Finance The panel also highlighted several areas where AI is already being deployed across the consumer financial services lifecycle. Marketing and Customer Acquisition Financial institutions are using AI to analyze large data sets and create highly personalized marketing campaigns. Large language models can generate customized messaging tailored to specific demographic groups or individual consumers. While this personalization improves targeting and engagement, it also creates compliance challenges related to: ·                 Misleading advertising ·                 Disclosure requirements ·                 Potential discriminatory targeting Underwriting and Credit Decisions AI-driven underwriting tools allow lenders to analyze alternative data, such as cash-flow information, to assess creditworthiness. These tools may expand access to credit for consumers who previously lacked traditional credit histories. However, they also raise fair lending concerns under laws such as the Equal Credit Opportunity Act and its implementing regulation, Regulation B. Because many AI models operate as "black boxes," institutions may struggle to explain how decisions are made, an issue that can complicate discrimination analyses and regulatory oversight. Fraud Detection AI is particularly powerful in fraud detection, where pattern recognition is essential. Advanced models can analyze transaction behavior in real time to identify suspicious activity while minimizing unnecessary transaction declines. These tools also allow financial institutions to communicate with customers instantly, confirming transactions or investigating suspicious activity through automated interactions. Servicing and Collections Agentic AI may soon conduct both inbound and outbound customer interactions, including: ·                 Customer service conversations ·                 Dispute resolution ·                 Collections calls In some cases, AI-driven voice systems can conduct conversations that are indistinguishable from human interactions. While this technology may improve efficiency and reduce costs, it raises legal concerns about consumer deception, harassment, and compliance with debt collection laws. Core Legal Risks Despite the novelty of the technology, many of the key legal risks arise from existing laws, not new AI-specific statutes. Liability for AI Actions As Joseph Schuster emphasized, AI is a tool, not a liability shield. Institutions remain responsible for the actions of AI systems just as they would for the actions of employees or third-party vendors. Traditional legal doctrines, including agency law, vicarious liability, and unfair or deceptive acts or practices, continue to apply. UDAP Risks AI systems interacting with consumers may create risks under federal and state UDAP laws if they: ·                 Provide inaccurate information ("hallucinations") ·                 Fail to deliver required disclosures ·                 Exhibit overconfidence in uncertain responses ·                 Engage in manipulative behavioral targeting. Fair Lending and Discrimination AI models can unintentionally produce discriminatory outcomes, even when protected characteristics are not used as inputs. As Professor Bar-Gill noted, future litigation may increasingly focus on disparate impact analysis, which examines whether outcomes disproportionately affect protected classes regardless of the model's internal logic. Governance and Risk Management Given these risks, institutions are increasingly adopting governance frameworks for AI deployment. Common practices include: ·                 AI governance committees with cross-functional participation ·                 Model inventories and risk-tiering systems ·                 Vendor due diligence for AI providers ·                 Data mapping and validation processes ·                 Continuous monitoring of AI outputs. Financial regulators are already asking supervised institutions detailed questions about how AI is being used. Institutions that implement structured governance processes are better positioned to respond to these inquiries. The Rise of Agentic Commerce One emerging application of agentic AI involves autonomous purchasing. For example, a consumer might instruct an AI assistant to plan and purchase supplies for a birthday party. The AI would then select vendors, place orders, and initiate payments using the consumer's stored payment credentials. But what happens if AI makes a mistake, such as ordering supplies for 1,000 guests instead of 10? Such scenarios raise difficult questions involving: ·                 consumer authorization ·                 merchant liability ·                 payment network rules ·                 dispute resolution These issues are only beginning to receive attention from regulators and industry participants. Key Takeaways for Financial Institutions The panel concluded with several recommendations for institutions exploring AI deployment. First, distinguish beneficial uses from harmful ones. AI can deliver significant consumer benefits, but firms must remain vigilant about potential misuse or unintended harm. Second, prioritize governance. Robust policies, oversight structures, and risk management processes are essential. Third, remember that existing laws still apply. AI systems must comply with the same consumer protection, fair lending, and disclosure requirements that govern traditional processes. Finally, institutions must recognize that failing to adopt AI also carries risks. As fraudsters increasingly deploy advanced technology, financial institutions may need AI tools simply to keep pace. As AI technology continues to evolve, the legal framework governing its use in financial services will also develop. For now, however, the most important lesson is that innovation must proceed hand-in-hand with careful legal and compliance oversight. Consumer Finance Monitor is hosted by Alan Kaplinsky, Senior Counsel at Ballard Spahr, and the founder and former chair of the firm's Consumer Financial Services Group. We encourage listeners to subscribe to the podcast on their preferred platform for weekly insights into developments in the consumer finance industry.

Operational clarity is one of the most overlooked drivers of success in dental practices that want to reduce insurance dependence. In this episode of the Less Insurance Dependence Podcast, Lester De Alwis sits down with Khristine Hayes to explore how strong systems, team communication, and leadership alignment help practices stay profitable without relying on high patient volume or insurance reimbursement. Khristine shares practical insights on identifying operational gaps, improving team culture, utilizing technology effectively, and building systems that support long-term growth. If your practice feels busy but not fully in control, this conversation will help you understand how operational clarity can create stability, efficiency, and sustainable success. Book your free marketing strategy meeting with Ekwa at your convenience. Plus, at the end of the session, get a free analysis report to find out where your practice stands online. It's our gift to you! https://www.lessinsurancedependence.com/marketing-strategy-meeting/   If you're looking to boost your case acceptance rates and enhance patient communication, you can schedule a Coaching Strategy Meeting with Gary Takacs. With his experience in helping practices thrive, Gary will work with you on personalized coaching, ensuring you and your team are prepared to present treatment plans confidently, offer financing options, and communicate the value of essential dental services. https://thrivingdentist.com/csm

When we talk about gun violence, we count the dead.We count the injured.We debate the laws. But what about the financial cost? In this episode, former FBI executive Katherine Schweit examines the hidden economic impact of gun violence in America — from multi-million-dollar settlements to bankrupt gun manufacturers. Using real cases including: The 2022 Buffalo Tops Supermarket shooting The $73 million Sandy Hook settlement The $10 million award to a teacher shot by a 6-year-old student Lawsuits involving ghost guns, straw purchases, and firearm accessories Katherine breaks down: ✔ What the Protection of Lawful Commerce in Arms Act (PLCAA) actually protects✔ Why a gun accessory manufacturer paid $1.75 million✔ How liability law is evolving✔ Whether firearm companies should be shielded from responsibility✔ And what shifting financial risk could mean for the future of gun policy This isn't a debate about the Second Amendment.It's a conversation about accountability, insurance, and the true cost of doing business in a country flooded with firearms. Because beyond grief and trauma — there is an economic impact. And someone always pays. Gun violence financial impact Firearm manufacturer liability PLCAA explained Sandy Hook lawsuit settlement Buffalo supermarket shooting 2022 Ghost guns and legal accountability Straw purchases and gun dealer liability School shooting lawsuits Insurance requirements for gun owners Economic cost of gun violence in America Relevant Resources and Links: Support us on Patreon for exclusive content and early access to episodes. Subscribe to the podcast on Apple Podcasts. More insights from Katherine Schweit: Katherine Schweit.. Website: Sarah Ferris Media Email: conningthecon@yahoo.com Share: If you found this episode insightful, share it with someone who might benefit from it and join the conversation on social media. SUPPORTING OUR SPONSORS, SUPPORTS THE PODCAST CRIMECON UK TICKETS HERE CRIMECON US TICKETS HERE DON'T forget to use DISCOUNT CODE “FERRIS” RESOURCES Stop the Bleed training FBI RUN, HIDE, FIGHT This is a Sarah Ferris Media production on the Killer Podcasts Network.Check out more Sarah Ferris Media productions: CONmunity podcast KLOOGHLESS - THE LONG CON GUILTY GREENIE THE BRAVERY ACADEMY WATCHING TWO DETECTIVESGun Violence, Firearm Law, Sandy Hook, Buffalo Shooting, School Safety, Second Amendment, Public Policy, Crime Prevention, Legal Analysis, True Crime Education Learn more about your ad choices. Visit megaphone.fm/adchoices

Do you find it difficult to set new business appointments? Most agents struggle with this as well. Usually it has a lot to do with what you're saying (or not saying) to your prospects. Is your script focused on "Price" or is it focused on "Service" or even something else? Because it matters.  In this episode, host Charles Specht will explain which script variation tends to work better for which types of prospects. Frankly, the answer may surprise you. And, if you can make the necessary adjustments it should result in more set appointments with your prospects! For more information on the insurance sales training services or even the Fractional Chief Sales Officer offerings by Charles Specht, visit: www.permissiongroup.com. Key Topics: Price and service are two sides of the same coin - prospect with both, not one or the other Insurance buyers understand price instinctively but not coverage nuances - speak to their level Nearly every pricing problem traces back to a missing or inadequate service from the wrong agent Most agents skip renegotiating with underwriters, leaving prospects paying 5 to 15% more than necessary Attaching price pain to a specific missing service is what earns the prospect's agreement to meet A sample renegotiation strategy script that ties premium savings to a unique underwriter approach Scripting and messaging must target problems the prospect already feels - not gaps only you can see Avoid leading with EPLI or cyber liability - prospects don't feel the pain of those coverage gaps Price plus service prospecting sets more first appointments and ultimately wins more signed broker of record letters Reach out to  Charles Specht Visit: Permission Network Produced by PodSquad.fm

Do you find it difficult to set new business appointments? Most agents struggle with this as well. Usually it has a lot to do with what you're saying (or not saying) to your prospects. Is your script focused on "Price" or is it focused on "Service" or even something else? Because it matters.  In this episode, host Charles Specht will explain which script variation tends to work better for which types of prospects. Frankly, the answer may surprise you. And, if you can make the necessary adjustments it should result in more set appointments with your prospects! For more information on the insurance sales training services or even the Fractional Chief Sales Officer offerings by Charles Specht, visit: www.permissiongroup.com. Key Topics: Price and service are two sides of the same coin - prospect with both, not one or the other Insurance buyers understand price instinctively but not coverage nuances - speak to their level Nearly every pricing problem traces back to a missing or inadequate service from the wrong agent Most agents skip renegotiating with underwriters, leaving prospects paying 5 to 15% more than necessary Attaching price pain to a specific missing service is what earns the prospect's agreement to meet A sample renegotiation strategy script that ties premium savings to a unique underwriter approach Scripting and messaging must target problems the prospect already feels - not gaps only you can see Avoid leading with EPLI or cyber liability - prospects don't feel the pain of those coverage gaps Price plus service prospecting sets more first appointments and ultimately wins more signed broker of record letters Reach out to  Charles Specht Visit: Permission Network Produced by PodSquad.fm

There are numerous businesses here in the High Country that we all drive by every day and wonder, "what do they do in there?"This week we continue our 12-part series: Built in the High Country. This monthly feature will take us physically inside some of the most unique and successful businesses in Watauga County, as we examine what got them started and why they chose the High Country as the home for their business.This week on Mind Your Business, we visit Jackson Sumner & Associates. Established in Boone in 1981, JSA has grown to become one of the top Excess & Specialty Lines Brokers in the eastern United States. CEO Danielle Wade explains the company's origin story, and how Boone's location plays in to their workforce recruitment and retention strategy. We'll also hear about JSA's place as an industry leader, and how they've earned that recognition while being located in rural North Carolina.We'll also bring you the latest on Blue Ridge Parkway construction tied to the Great American Outdoors Act, including updates on detours planned for Watauga County in the near future.Mind Your Business is written and produced weekly by the Boone Area Chamber of Commerce. This podcast is made possible thanks to the sponsorship support of Appalachian Commercial Real Estate.Catch the show each Thursday afternoon at 5PM on WATA (1450AM & 96.5FM) in Boone. Support the show

This week, Meghan and Jen welcome Courtney Allen, Vice President of Claims at CorVel Corporation

In this solo Thursday riff of Referrals Done Right, Scott tackles one of the biggest barriers to building relationships and growing a referral based business. Fear. More specifically, the fear of rejection that shows up when it is time to make a call, schedule a meeting, or reach out to someone new. Scott challenges RDR Nation to recognize that this fear is often rooted in ego. When we focus too much on how we might be perceived, we stop focusing on the person we are trying to help.To shift that mindset, Scott introduces a simple equation that reframes the entire situation. Zero minus zero equals zero. Before the call, visit, or outreach attempt, you have nothing. If the interaction does not go the way you hoped, you still have nothing. You did not lose anything. In fact, you gained experience and feedback that helps you grow. The lesson is simple but powerful. When you lead with a servant's heart and focus outward instead of inward, the fear of rejection begins to lose its power In this episode, you will learn:• Why fear in sales and networking is often rooted in ego• How shifting your focus from inward to outward changes your approach to relationships• The simple equation that reframes rejection and removes the fear of trying• Why failure is feedback and an essential part of growth• A practical challenge to push through fear and take action this week---Scott Grates' Links:Referrals Done Right - https://www.referralsdoneright.orgReferrals Done Right FB Group - https://www.facebook.com/groups/296359076662332Scott Grates Website - https://www.scottgrates.comLove Living Local  - https://www.instagram.com/lovelivinglocal315Scott's FB - https://www.facebook.com/scott.grates.1Scott's - https://www.instagram.com/scottgratesTikTok - https://www.tiktok.com/@scott.grates

Join us in Clean Biz Network! https://www.cleanbiznetwork.app/Get your Cleaning Business Automated! Visit https://cleanbizuniversity.com/automa...Join this channel to get access to perks:   / @ajsimmonsonline  Schedule a 1 on 1 Consultation: https://calendly.com/ajsimmonsLet my lead generation company to set bid appointments for you! Click here https://www.cleanbizcrm.com/leadgener...Follow: @AjSimmonsOnline on Instagram   / ajsimmonsonline  Need Business Insurance? Click this link https://nextinsurance.sjv.io/Ea23K9Need Business Credit? Apply at this linkhttps://americanexpress.com/en-us/ref...Thank you for watching, subscribing, liking, sharing, and commenting!!!!

HOUR 4- Jake's Insurance, Johnny Doesn't Know and MORE full 1213 Wed, 11 Mar 2026 15:39:00 +0000 orpU90jqii3MN3yfOcxschJnlx4MMWlC society & culture Klein/Ally Show: The Podcast society & culture HOUR 4- Jake's Insurance, Johnny Doesn't Know and MORE Klein.Ally.Show on KROQ is more than just a "dynamic, irreverent morning radio show that mixes humor, pop culture, and unpredictable conversation with a heavy dose of realness." (but thanks for that quote anyway). Hosted by Klein, Ally, and a cast of weirdos (both on the team and from their audience), the show is known for its raw, offbeat style, offering a mix of sarcastic banter, candid interviews, and an unfiltered take on everything from culture to the chaos of everyday life. With a loyal, engaged fanbase and an addiction for pushing boundaries, the show delivers the perfect blend of humor and insight, all while keeping things fun, fresh, and sometimes a little bit illegal. 2024 © 2021 Audacy, Inc. Society & Culture False https://player.amperwavepodcasting.com

WAR IS COMPLETE! Oil Screaming higher Euro Nat Gas up 60% An update on JCD PLUS we are now on Spotify and Amazon Music/Podcasts! Click HERE for Show Notes and Links DHUnplugged is now streaming live - with listener chat. Click on link on the right sidebar. Love the Show? Then how about a Donation? Follow John C. Dvorak on Twitter Follow Andrew Horowitz on Twitter INTERACTIVE BROKERS Warm-Up - The CTP for Caterpillar - We have a winner! - A tech earnings BLOWOUT - A seminal moment with AI and Employment trends - An update on JCD - from JSD - A Limerick for JCD Markets - WAR FOOTING - Buyers are still there... - Oil Screaming higher (Sunday night wow!) - Euro Nat Gas up 60% - Anyone wondering why markets keep going up? John Dvorak Jr. - Guest  - UPDATE ON JCD JSD: - Tell us what you are doing these days... - What was it like growing up around constant tech commentary and skepticism? - How did that environment shape the way you look at innovation and hype? - Where do you most disagree with your father's views on technology today? - Is AI making people smarter—or more dependent? - How should younger professionals think about job security when automation is accelerating? War and Oil - Iran's Revolutionary Guard says it has closed the Strait of Hormuz, per a Reuters report. - About a third of the world's seaborne oil exports passed through the Strait in 2025. - Threatening to BURN any ship that attempts to go through - The Strait of Hormuz is a critical, narrow chokepoint about 90–104 miles (145–167 km) long and 21–60 miles (33–95 km) wide. At its narrowest, it is only 21 miles (33 km) across, with shipping lanes in each direction restricted to just two miles wide to accommodate massive oil tanker traffic, representing about one-fifth of global oil consumption - Meanwhile - lots of production halts - Oil screamed to $115 on Sunday night before cooler heads prevailed AND SPR talk hit the tape. - MISSION ACCOMPLISHED? Just in... - President Trump says "I have ordered the United States Development Finance Corporation to provide, at a very reasonable price, political risk insurance and guarantees for the financial security of all maritime trade, especially energy, traveling through the Gulf. This will be available to all shipping lines. If necessary, the United States Navy will begin escorting tankers through the Strait of Hormuz, as soon as possible" - BUT, who would even want to take the chance of moving through that area - even if there is insurance? Meanwhile LNG -Daily charter rates for LNG tankers in the Atlantic Basin have surged to over $200,000 per day. - Rates are roughly double levels seen less than a day earlier. - The spike followed Qatar's shutdown of LNG production as the conflict with Iran spread across the region. - The new offer levels are at least three times higher than the most recent assessed LNG tanker rate of $61,500, according to Spark Commodities earlier Monday. - Despite the elevated asking prices, no transactions have yet been confirmed at these levels. You thought that was BAD? - Europe in bad shape with Nat Gas after Qatar halted production (accounts for 20% of global LNG supply) Euro Nat Gas Amazon Data Loss - HEY WHAT ABOUT THIS? - Amazon Web Services said late Monday two of its data centers in the United Arab Emirates and a facility in Bahrain were damaged by drone strikes, taking the facilities offline. - “In the UAE, two of our facilities were directly struck, while in Bahrain, a drone strike in close proximity to one of our facilities caused physical impacts to our infrastructure,” AWS said. “These strikes have caused structural damage, disrupted power delivery to our infrastructure, and in some cases required fire suppression activities that resulted in additional water damage.” - This is an interesting twist on cyber-warfare - WHAT IF? - JSD: How does this impact AI and the world tech flow? Why do/did markets keep climbing? - Global debt climbed to a record $348 trillion at the end of 2025, after nearly $29 trillion was added over the year in the fastest yearly build-up since the pandemic surge - The increase was driven primarily by governments, which accounted for more than $10 trillion of the rise, with the United States, China and the euro area responsible for roughly three-quarters of the jump - Also, margin debt up 30% in 2025 - so there is that... - No wonder there is resilience in these markets... Berkshire News - Earnings from operations totaled $10.2 billion in Q4. That's down more than 29% from $14.56 billion in the year-earlier period. - Insurance underwriting profits dropped 54% to $1.56 billion from $3.41 billion a year prior. Insurance investment income slid nearly 25% from to $3.1 billion from $4.088 billion. - This was the final quarter under Warren Buffett as CEO, who announced he was stepping down at the annual shareholders meeting last May. - Full year overall earnings, meanwhile, fell to $66.97 billion from $89 billion a year prior. - NO Buybacks, bit they still have more that $350B is cash INTERACTIVE BROKERS Check this out and find out more at: http://www.interactivebrokers.com/ Irritating - UBS' top equity strategist dialed back his view on U.S. stocks, citing mounting risks from a weakening dollar, stretched valuations and policy turbulence in Washington. - Andrew Garthwaite, head of global equity strategy at the investment bank, downgraded American equities to “benchmark” in a fully invested global equity portfolio, arguing that the factors that powered years of outperformance are starting to fade. - Market weight - no risk for this guy on the call. Can't lose as will just perform with the benchmark - DUMB Dell Earnings BLOWOUT (Follow up) - Dell reported adjusted earnings of $3.89 per share, exceeding the $3.53 per share expected by analysts surveyed by LSEG. - The company posted $33.38 billion in revenue for the quarter, topping a forecast of $31.73 billion. - Stock up 22% on the news and followed through on Monday - Dell cut quote time to less that a week (prices expire) - Dell expects revenue for its artificial intelligence servers to hit $50 billion in 2027, more than double the year prior. - Much different story from HP that was complaining about input pricing.... Obviously Dell is much smarter at pass-though management of pricing. Jack on the Attack - Financial technology firm Block (XYZ), run by Jack Dorsey began slashing more than 40% of its workforce (4k people) on Thursday, saying in a letter to shareholders that AI tools "have changed what it means to build and run a company." - The AI layoffs came as the Square payment system and Cash App operator matched fourth-quarter earnings estimates, yet Block shares surged after hours. - Evercore ISI analyst Adam Frisch called the layoffs "the seminal moment to date in the AI narrative and how it could transform companies as we know it going forward." - SOOOOOO - AI is responsible for job cuts? ---- SOOOOOO - AI can replace humans and as productivity is enhanced? Duolingo - Duolingo forecast first-quarter and 2026 bookings below expectations on Thursday as it shifts strategy toward faster user growth, a move it said will weigh on bookings growth and profitability this year, sending the company's shares down more 23% after hours last week. - The company plans to roll out more AI-driven speaking tools to free users, reducing friction that previously nudged learners toward paid plans - Poster child of how AI can kill your business? - However, earnings/financials looked pretty good and there is a strategy there that may be beneficial   Love the Show? Then how about a Donation? THE CLOSEST TO THE PIN for CATERPILLAR Winners will be getting great stuff like the new "OFFICIAL" DHUnplugged Shirt!     FED AND CRYPTO LIMERICKS There is a tech pundit whose name be John, Whose sharp takes went late into dawn. He hit pause for some care, But with grit (and repair), Soon he'll be back oh so steady and strong. See this week's stock picks HERE Follow John C. Dvorak on Twitter Follow Andrew Horowitz on Twitter

Ep. 254: A black eye in her first Cornell rugby match taught Shannon she could do hard things—and that lesson still shapes her leadership today. A four-time New York City Marathon finisher, she believes leadership isn't about forcing people into the same mold.  Like rugby, every role matters, every player brings strengths, and every stride counts. Don't miss: The two questions she asks every mentee Why joy and laughter belong in leadership Our BONUS RESOURCE for this episode includes Don's favorite quotes from today's episode and a reflection question so you can apply today's insights. 

Discover how enterprise AI and data strategy are operationalized at scale in one of the most highly regulated industries in the world. Louis DiModugno, Global Chief Data Officer at Verisk, shares how he builds AI-ready data foundations across 40+ petabytes of insurance and risk data, and the best practices behind embedding AI into enterprise products. He discusses unstructured data, deepfakes, and the shift from governance to observability, offering practical insights for data leaders scaling AI responsibly. Key Moments: From Military Leadership to Chief Data Officer: Data Integrity as a Competitive Advantage (03:02): Louis shares how his experience as a U.S. Air Force Colonel has shaped his approach to data governance, data quality, and enterprise AI leadership. He explains why integrity, service, and operational excellence are essential foundations for modern CDOs building trusted, decision-ready data environments. Building AI-Ready Data Foundations at a 40+ Petabyte Scale (17:13): Managing more than 40 petabytes of insurance and risk data, Louis breaks down how Verisk transforms complex, multi-source data into AI-ready infrastructure. From entity resolution and master data management to benchmarking and predictive analytics, he outlines what it takes to prepare enterprise data for AI and advanced analytics at scale. Designing an AI-First Data Strategy for Enterprise Decision Intelligence (20:00): Louis breaks down how Verisk evolved toward an AI-first data strategy across more than 150 insurance and analytics products. Rather than treating AI as an add-on, he explains how embedding AI into core workflows enables smarter underwriting, pricing, regulatory reporting, and risk management. He also discusses the strategic role ThoughtSpot plays in delivering natural language search, embedded analytics, and scalable AI-driven decision making. AI Fraud, Deepfakes, and Risk Management in Financial Services (26:11): As AI-generated images and synthetic claims become more sophisticated, Louis discusses how the insurance industry is combating deepfake fraud and AI-driven manipulation. He shares best practices around AI risk management, vendor partnerships, and regulatory collaboration to protect policyholders and maintain trust. Unstructured Data and AI: Why Governance Still Matters (29:28): Louis explores how expanding beyond structured data is reshaping enterprise AI. He explains why incorporating unstructured data into vector databases, graph models, and knowledge systems can significantly improve model accuracy and decision confidence. At the same time, he emphasizes that stronger governance (or observability as he reframes it) is essential as organizations scale AI across regulated industries. Key Quotes: “The more data that you bring to the equation, the more elements that you have in the algorithm, the higher level of accuracy you should be able to reach with your outcomes.” - Louis DiModugno “I've tried to move away from using the word governance as much as I like to use the word observability, because I really think observability shows more aspects of what it is that we are doing with the data.” - Louis DiModugno “The underlying aspect of what ThoughtSpot's delivering to them is our insights that not only give them their answer, but also give them insights that maybe they weren't looking specifically for. One of the big benefits of ThoughtSpot is that it's trying to anticipate what you're asking for.” - Louis DiModugno “We've partnered with ThoughtSpot, which brings AI embedded within its product. By having our data available through the data sets that we populate through the ThoughtSpot products, we've got the opportunity to utilize Spotter and the natural language processing capabilities to interact with the data, so that you can ‘talk with your data'.” - Louis DiModugno Mentions From Months to Weeks: How Verisk Scaled Embedded Analytics Breaking Down Digital Media Fraud for Claims in the AI Era Randy Bean's 2026 AI & Data Leadership Executive Benchmark Survey Guest Bio  Louis DiModugno brings more than 20 years of career experience in data and analytics to his new role. He has held several leadership positions in insurance and (re)insurance at firms including The Hartford and AXA US, where he served as the company's inaugural Chief Data & Analytics Officer. Most recently, DiModugno pioneered the role of Chief Data and Technology Officer for Hartford Steam Boiler. Before entering the private sector, DiModugno served with distinction as a Colonel in the U.S. Air Force and Air Force Reserves. He has held teaching positions at Rensselaer Polytechnic Institute, and he currently serves on the Chief Data Officer Advisory Council for the George Mason University School of Business. Hear more from Cindi Howson here. Sponsored by ThoughtSpot.

A $20 billion push is now on to get tankers moving through the Strait of Hormuz. Meanwhile, Middle East tourism suffers as flights are cancelled, and skies remain closed. And how tens of thousands of people are kidnapped for ransom each year.(Picture: An LPG gas tanker at anchor in the Strait of Hormuz, amid the U.S.-Israeli conflict with Iran, in Shinas, Oman, March 11, 2026. Credit: REUTERS/Benoit Tessier)

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

Jeremy has spent more than 20 years in the financial services industry building, scaling, and strengthening distribution channels for independent financial professionals across the country. His career began in retail financial services in 1999, shortly after graduating from St. John's University in Collegeville, Minnesota. He then spent two years with John Hancock Financial, where he built a strong foundation in product knowledge, advisor support, and client strategy.In 2001, Jeremy transitioned into the wholesale channel with American Financial in Minneapolis; a move that shaped the trajectory of my career. Since then, He has dedicated myself to helping independent insurance reps, Advisor Representatives (IARs), RIAs, and Registered Representatives grow their businesses with intention and discipline.In today's IMO world, support often comes *after* they've already proven themselves. Empire was built to change that.Jeremy believes in identifying talent early and backing it immediately, not waiting until production numbers make the decision easy. At Empire Marketing Partners, they support advisors at launch and throughout their growth by being a stable, strategic partner from day one.He is committed to proving that through service, experience, and consistency, they bring more value than anyone else in the space. This isn't transactional. They operate like family, and their actions reflect that commitment every step of the way.Today, Jeremy focused not only on supporting advisors operationally, but also on strengthening his brand and influence within the industry—aligning with like-minded professionals and firms who are committed to growth, excellence, and long-term impact.Learn more: http://www.empiremps.com/Jeremy Lach is the Founder of Empire Marketing Partners, an independent marketing organization (IMO) that supports licensed insurance professionals. The views and opinions expressed in this podcast/interview are for informational and educational purposes only and should not be construed as individualized investment, tax, or legal advice. Empire Marketing Partners does not provide direct financial planning or investment advisory services to the public. Insurance and annuity products are offered through properly licensed insurance professionals and are subject to state availability, carrier underwriting guidelines, and suitability requirements. Guarantees referenced, if any, are backed solely by the financial strength and claims-paying ability of the issuing insurance carrier. Financial professionals and consumers should consult their own qualified advisors regarding their specific situation before making any financial decisions.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-jeremy-lach-president-of-empire-marketing-partners-scaling-to-8-figure-annuity-production-without-burning-out

We're back for another episode that will break down everything you need to know about the current state of the transportation business, and today, you'll hear critical advice for brokers and carriers navigating the complex world of heavy-haul and over-dimensional freight, emphasizing the importance of expert coordination for permits and pilot cars! Beyond the lanes, we tackle the industry's digital transformation, from Samsara's new AI-driven driver coaching features designed to improve safety and lower insurance premiums, to the legislative crackdown on CDL fraud and fraudulent motor carrier authorities. Whether we're discussing the FMCSA's stance on insurance minimums or the future of autonomous trucking technology, the goal is to give you the real-world insights you need to protect your margins and grow your business in today's volatile freight market, so tune in!   Resources / References https://www.ttnews.com/articles/samsara-expands-ai-driver https://www.freightwaves.com/news/lawmaker-pushes-for-ice-coordination-in-cdl-crackdowns https://www.overdriveonline.com/business/article/15819162/fmcsa-says-it-lacks-data-to-bump-carrier-insurance-minimums-past-750k  

Send a textWhat if insurance stopped being a painful renewal ritual and started working like a real competitive edge? We sit down with Rusty Barrett, a risk expert who's helped shed manufacturers, haulers, and dealers turn non-renewals and looming hikes into measurable savings—without sacrificing critical protection.We start by unpacking the biggest leak: wrong classifications and generic forms. When a shed operation is lumped into broad manufacturing pools, it pays the price for risks it doesn't carry. Rusty walks through how shed-specific policy language—covering in-transit cargo, dealer lots, and multi-entity ownership—cuts waste and closes the gaps that leave products uncovered on the road. Pair that with complete submissions and genuine relationships with underwriters, and suddenly carriers compete for your business instead of avoiding it.Then we get practical. A $10 “How's my driving?” decal correlates with 24% fewer losses. Documented pre-trip checks for mules and trailers, driver coaching, and simple reporting habits slash frequency and severity—the exact signals underwriters reward with better terms. Rusty's case studies show real swings: a client facing non-renewal moved to 30% savings in 60 days; another dropped a projected $140k auto premium to $38k while adding missing cargo coverage. These aren't one-off miracles—they're the returns you get from proactive risk.We also open the door to captives and group solutions tailored for the shed sector. Not every company is ready today, but the roadmap is clear: stabilize losses, align forms to operations, document safety, and approach financing with a multi-year view. Group structures can lower overhead and share underwriting profit when performance is strong, turning a cost center into long-term value.If you build, haul, or sell sheds, this conversation gives you a playbook: classify correctly, tailor your forms, invest in habits that keep people safe and claims down, and build trust with the market. Want help mapping your path or testing whether a captive could fit down the road? Subscribe, share this episode with your team, and leave a review with the top insurance question you want answered next.For more information or to know more about the Shed Geek Podcast visit us at our website.Would you like to receive our weekly newsletter?  Sign up on our website.Follow us on Twitter, Instagram, Facebook, or YouTube at the handle @shedgeekpodcast.To be a guest on the Shed Geek Podcast visit our website and fill out the "Contact Us" form.To suggest show topics or ask questions you want answered email us at info@shedgeek.com.This episodes Sponsors:Studio Sponsor: Shed ProCardinal LeasingSolar BlasterIdentigrowDigital Shed Builder

Real estate and politics are colliding. This episode explores how South Carolina's governor race, insurance reform debates, housing affordability policies, and even global conflict could influence the Greenville housing market. From property taxes to mortgage rates, several forces outside real estate may end up shaping the market in 2026.As always, if you have any questions or comments (or, of course, need a realtor), feel free to reach out to Stan McCune directly by phone/text at (973) 479-1267 or by email at smccune@cdanjoyner.com

More than a thousand ships are stranded outside the Strait of Hormuz, bobbing in the water. A big reason? Insurance. War insurance premiums have skyrocketed since the war with Iran began. It's an add-on that covers things regular insurance doesn't, like missile strikes. And shippers don't want to foot the bill or put their crews at risk. Cue the traffic jam. On today's show, how a critical trade chokepoint became the parking lot of the sea. And taking stock of President Trump's plan to offer reinsurance to get these ships sailing again.Related episodes: How the 'shadow fleet' helps Russia skirt sanctionsWill Iran block the Strait of Hormuz? For sponsor-free episodes of The Indicator from Planet Money, subscribe to Planet Money+ via Apple Podcasts or at plus.npr.org. Fact-checking by Sierra Juarez. Music by Drop Electric. Find us: TikTok, Instagram, Facebook, Newsletter.  To manage podcast ad preferences, review the links below:See pcm.adswizz.com for information about our collection and use of personal data for sponsorship and to manage your podcast sponsorship preferences.Learn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy

Today's episode of Out of Patients welcomes Dr Pamela Buchanan, an emergency room physician with over 20 years inside American medicine who refuses to sugarcoat what the job demands and what it destroys. She worked straight through COVID as protocols changed by the day and deaths arrived faster than anyone could process. She logged 80 to 100 hour weeks. She isolated from her family to avoid bringing the virus home. Over time, survival began to feel negotiable.Dr Buchanan speaks openly about burnout as emotional flatline and about physician suicide as a predictable outcome that leadership prefers to ignore. She describes the ER as the catch all for a broken system and explains why chronic care collapses there by design. She shares the reality of trying to access mental health care while still practicing medicine, calling dozens of therapists, getting nowhere, and spending $10,000 to $15,000 out of pocket just to stay alive and functional.Listeners will hear how neurodivergence shaped her career in emergency medicine, how race and trust intersect inside hospital walls, and why doctors are leaving in waves. This conversation carries clarity, anger, humor, and hard earned truth from someone who stayed long enough to name the damage.RELATED LINKSDr Pamela BuchananStrong MedicineDr Pamela Buchanan on LinkedInDr Pamela Buchanan on InstagramEmotional Flatline articleKevinMD essay by Dr Pamela BuchananFEEDBACKLike this episode? Rate and review Out of Patients on your favorite podcast platform. For guest suggestions or sponsorship email podcasts@matthewzachary.comSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Crypto News: Nasdaq partners with Kraken for issuer-centric tokenized equities. Aon tests stablecoin payments for insurance premiums with Paxos, Coinbase.Brought to you by

In this episode, Cory addresses recent market volatility and encourages investors to stay calm and disciplined. Recorded amid geopolitical uncertainty in the Middle East and fluctuating oil prices, Cory walks through historical market data, including recovery rates after downturns and the cost of missing the market's best days, to reassure listeners that short-term volatility is normal.   His core message: a sound long-term strategy, patience, and staying invested are the keys to financial success. -- -- Timestamps: 00:06 – Introduction and overview of the week's market activity 01:40 – What your portfolio might look like right now 02:15 – Putting the downturn in perspective with a one-year view 03:10 – Looking back at past volatility and market recoveries 04:06 – Breaking down US oil imports and Middle East dependency 05:20 – Historical data since 1926: average returns after a 10% market drop 06:29 – The cost of missing the market's best days 07:45 – Staying the course: why time in the market beats timing the market   -- 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 Inc. 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 Inc. 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 Inc. 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.

In this episode of Making Risk Flow, host Juan de Castro speaks with Bill Harris and Drake Slaikeu-Lawhead of ITC Vegas about how insurance growth hinges less on tools and more on connection. They explore how Insurtech Connect's “neighbourhood” model helps carriers, brokers, and agents navigate 700+ vendors by organising solutions around real business needs. The conversation dives into AI's impact on distribution, streamlining ACORD processing, claims, and upstream risk transfer, while reinforcing that independent agents remain essential for trust-based advice. As pilots shrink from years to months, speed to impact becomes the new competitive edge. Yet in a digital-first era, they argue that face-to-face interaction still drives the most valuable outcomes. Serendipity, not just software, is what truly keeps risk flowing.Fan Mail: Got a challenge digitizing your intake? Share it with us, and we'll unpack solutions from our experience at Cytora.To receive a custom demo from Cytora, click here and use the code 'Making Risk Flow'.Our previous guests include: Bronek Masojada of PPL, Craig Knightly of Inigo, Andrew Horton of QBE Insurance, Simon McGinn of Allianz, Stephane Flaquet of Hiscox, Matthew Grant of InsTech, Paul Brand of Convex, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.Check out the three most downloaded episodes: The Five Pillars of Data Analytics Strategy in Insurance | Craig Knightly, Inigo 20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL | Bronek Masojada Implementing ESG in the Insurance and Underwriting Space | Simon Tighe, Chaucer, and Paul McCarney, Moody's

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

Ever feel like you're fluent in medical jargon but totally illiterate when it comes to the business side of surgery? You're not alone. In this series premiere, Dr. Christopher Childers (Surgical Oncologist and health policy expert) joins Dr. Nina Clark to demystify the "second world" of medicine: healthcare finance. We're breaking down the basic vocabulary every surgeon needs to advocate for themselves and their patients.Next Step: Ready to see how this translates to your paycheck? In Episode 2, we dive into Physician and Hospital Compensation, RVUs, and the flow of funds.***Fellowship Application Link: https://forms.gle/QSUrR2GWHDZ1MmWC6Please visit https://behindtheknife.org to access other high-yield surgical education podcasts, videos and more.  If you liked this episode, check out our recent episodes here: https://behindtheknife.org/listenBehind the Knife Premium:General Surgery Oral Board Review Course: https://behindtheknife.org/premium/general-surgery-oral-board-reviewTrauma Surgery Video Atlas: https://behindtheknife.org/premium/trauma-surgery-video-atlasDominate Surgery: A High-Yield Guide to Your Surgery Clerkship: https://behindtheknife.org/premium/dominate-surgery-a-high-yield-guide-to-your-surgery-clerkshipDominate Surgery for APPs: A High-Yield Guide to Your Surgery Rotation: https://behindtheknife.org/premium/dominate-surgery-for-apps-a-high-yield-guide-to-your-surgery-rotationVascular Surgery Oral Board Review Course: https://behindtheknife.org/premium/vascular-surgery-oral-board-audio-reviewColorectal Surgery Oral Board Review Course: https://behindtheknife.org/premium/colorectal-surgery-oral-board-audio-reviewSurgical Oncology Oral Board Review Course: https://behindtheknife.org/premium/surgical-oncology-oral-board-audio-reviewCardiothoracic Oral Board Review Course: https://behindtheknife.org/premium/cardiothoracic-surgery-oral-board-audio-reviewDownload our App:Apple App Store: https://apps.apple.com/us/app/behind-the-knife/id1672420049Android/Google Play: https://play.google.com/store/apps/details?id=com.btk.app&hl=en_US

Join this channel to get access to perks: https://www.youtube.com/channel/UC1wBbajkdji5hoQJLPLTwVg/join #TruckNHustle #Trucks #truckingjobs Mike and Eddie Valdez of Mega Brothers Logistics share their journey from humble beginnings to a thriving multi-million dollar logistics business operating across 18 states. They discuss challenges, the impact of COVID-19, client diversity, financial management, and future aspirations, emphasizing the importance of strong relationships and strategic growth in the trucking industry. #TruckingPodcast #LogisticsJourney #FamilyBusiness #ApplianceDelivery THANKS TO OUR GUESTS: MIKE & EDDIE VALDEZ - MEGA BROTHERS LOGISTICS https://megabrotherslogistic.com/ 00:00:00 - 00:01:19 The Genesis of Mega Brothers Logistics 00:01:19 - 00:04:36 Mega Brothers Logistics: A Father-Son Journey 00:04:36 - 00:09:46 From Appliances to Entrepreneurship 00:09:46 - 00:16:59 Eddie's Career Progression 00:16:59 - 00:23:08 Starting Mega Brothers Logistics 00:23:08 - 00:31:46 The Appliance Niche 00:31:46 - 00:34:57 Expansion to Kansas City 00:34:57 - 00:37:28 The Mega Brothers' Journey 00:37:28 - 00:40:58 The Start of Mega Brothers Logistics 00:40:58 - 00:44:44 Scaling and Growth Strategies 00:44:44 - 00:49:42 The Impact of COVID-19 on the Appliance Delivery Business 00:49:42 - 00:52:33 Overcoming Challenges and Prioritizing Service 00:52:33 - 00:57:57 Customer Types and High-End Deliveries 00:57:57 - 01:01:57 Liability and Insurance in High-End Deliveries 01:01:57 - 01:07:00 The Demanding Role of a Truck Driver 01:07:00 - 01:12:11 Starting a New Location 01:12:11 - 01:18:23 Startup Process and Warehouse Operations 01:18:23 - 01:24:00 Building Relationships and Understanding Local Nuances in Logistics 01:24:00 - 01:29:52 Basketball and Family 01:29:52 - 01:37:17 Bootstrapping a Trucking Business 01:37:17 - 01:39:25 Financial Setup and Lessons Learned 01:39:25 - 01:42:26 Financial Discipline in Business 01:42:26 - 01:44:38 The Importance of Discipline and Networking in Business Growth 01:44:38 - 01:46:57 Pricing Strategies for Logistics Contracts 01:46:57 - 01:50:10 Pricing Strategies and Challenges 01:50:10 - 01:55:19 Pricing Strategies and Business Growth 01:55:19 - 02:01:45 Future Goals and Growth 02:01:45 - 02:12:06 Future of the Business and Final Thoughts

The Kouri Richins trial brings Cody Wright, Eric's former business partner, to the stand in this segment.The Kouri Richins murder trial continues in Utah as the state prosecutes the children's book author for allegedly poisoning her husband Eric Richins with fentanyl. Prosecutors allege she killed him for insurance money after secretly increasing his policy to $1.9 million. The defense maintains Eric died from accidental drug use.True Crime Today delivers real-time trial coverage as it happens—key testimony, critical cross-examinations, and the moments that matter. No waiting for nightly recaps. Watch the case unfold live.Join Our SubStack For AD-FREE ADVANCE EPISODES & EXTRAS!: https://hiddenkillers.substack.com/Want to comment and watch this podcast as a video? Check out our YouTube Channel. https://www.youtube.com/channel/UC8-vxmbhTxxG10sO1izODJg?sub_confirmation=1Instagram https://www.instagram.com/hiddenkillerspod/Facebook https://www.facebook.com/hiddenkillerspod/Tik-Tok https://www.tiktok.com/@hiddenkillerspodX Twitter https://x.com/TrueCrimePodThis publication contains commentary and opinion based on publicly available information. All individuals are presumed innocent until proven guilty in a court of law. Nothing published here should be taken as a statement of fact, health or legal advice.#KouriRichins #KouriRichinsTrial #TrueCrimeToday #LiveTrial #EricRichins #UtahCourt #TrueCrimeNews #CourtTV #TrialWatch #BreakingCrime

Matt and I talked about the kind of businesses that actually build wealth and why most people overlook them chasing trends that never pay off. I shared my story from Storage Squad to Somewhere and broke down how trading time for money is still the best place to start. We talked about the real odds of success, what Silicon Valley gets wrong, how to think about leverage, and when to finally hire so you can get back to doing high-value work. This one's about clarity, execution, and doing what actually works in the real world 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  

Cody Wright, Eric's former business partner, takes center stage in the Kouri Richins trial.Kouri Richins stands accused of poisoning her husband Eric Richins with a lethal dose of fentanyl in March 2022—allegedly to collect on a $1.9 million life insurance policy she secretly increased just weeks before his death. What prosecutors describe as a calculated murder-for-profit scheme, the defense calls a tragic accident involving a man who, they claim, had a hidden drug problem.This is gavel-to-gavel coverage of one of the most closely watched trials in Utah history. A children's book author. A grieving widow who wrote about "heaven" for kids while allegedly researching untraceable poisons. A husband who may have been killed in his own bed.Hidden Killers brings you complete trial coverage with expert analysis—no sensationalism, just the facts as they unfold.Join Our SubStack For AD-FREE ADVANCE EPISODES & EXTRAS!: https://hiddenkillers.substack.com/Want to comment and watch this podcast as a video? Check out our YouTube Channel. https://www.youtube.com/channel/UC8-vxmbhTxxG10sO1izODJg?sub_confirmation=1Instagram https://www.instagram.com/hiddenkillerspod/Facebook https://www.facebook.com/hiddenkillerspod/Tik-Tok https://www.tiktok.com/@hiddenkillerspodX Twitter https://x.com/TrueCrimePodThis publication contains commentary and opinion based on publicly available information. All individuals are presumed innocent until proven guilty in a court of law. Nothing published here should be taken as a statement of fact, health or legal advice.#KouriRichins #KouriRichinsTrial #EricRichins #UtahTrial #TrueCrime #HiddenKillers #FentanylPoisoning #MurderTrial #TrueCrimeCommunity #Justice