Podcasts about Insurance

Out-of-Pocket is a healthcare education company founded by Nikhil Krishnan that helps people understand how healthcare works and how to navigate it in practice. In this episode, a16z investing partner Jay Rughani and Nikhil discuss why health insurance is losing its role as the default way people access care. They explain how rising costs are pushing more consumers to pay out of pocket for diagnostics, preventive care, and navigation. The conversation also looks at what this shift means for startups, AI-powered tools, regulation, and access as healthcare continues to move beyond insurance.Resources:Follow Jay Rughani on X:  https://twitter.com/JayRughaniFollow Nikhil Krishnan on X: https://twitter.com/nikillinitRead Out of Pocket's 2026 Predictions: https://www.outofpocket.health/p/out-of-pockets-2026-predictionsStay Updated:Find a16z on XFind a16z on LinkedInListen to the a16z Show on SpotifyListen to the a16z Show on Apple PodcastsPlease note that the content here is for informational purposes only; should NOT be taken as legal, business, tax, or investment advice or be used to evaluate any investment or security; and is not directed at any investors or potential investors in any a16z fund. a16z and its affiliates may maintain investments in the companies discussed. For more details please see a16z.com/disclosures.  Stay Updated:Find a16z on XFind a16z on LinkedInListen to the a16z Show on SpotifyListen to the a16z Show on Apple PodcastsFollow our host: https://twitter.com/eriktorenberg Please note that the content here is for informational purposes only; should NOT be taken as legal, business, tax, or investment advice or be used to evaluate any investment or security; and is not directed at any investors or potential investors in any a16z fund. a16z and its affiliates may maintain investments in the companies discussed. For more details please see a16z.com/disclosures. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Shannon Burkett has lived about six lives. Broadway actor. SNL alum. Nurse. Filmmaker. Advocate. Cancer survivor. And the kind of person who makes you question what you've done with your day. She wrote and produced My Vagina—the stop-motion musical kind, not the cry-for-help kind—and built a global movement after her son was poisoned by lead dust in their New York apartment. Out of that came LEAD: How This Story Ends Is Up to Us, a documentary born from rage, science, and maternal defiance. We talked about everything from The Goonies to Patrick Stewart to the quiet rage of parenting in a country that treats public health like a hobby. This episode is about art, anger, resilience, and what happens when an unstoppable theater nerd turned science geek Jersey girl collides with an immovable healthcare system.RELATED LINKSShannon Burkett Official SiteLEAD: How This Story Ends Is Up to UsEnd Lead PoisoningLinkedIn: Shannon BurkettBroadwayWorld ProfileFEEDBACKLike this episode? Rate and review Out of Patients on your favorite podcast platform. For guest suggestions or sponsorship email podcasts@matthewzachary.com.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Episode Summary The most powerful skill you can learn in 2026 isn't Photoshop or marketing — it's typing what you want into a chatbot. Plain English is the new programming language, and you already speak it. But most artists get garbage results from AI. Why? Because AI isn't dumb — it's blind. It doesn't know your business, your customers, your prices, or your voice. The fix is simple: context files. In this episode, I break down exactly how to create context files that turn generic AI into YOUR personal assistant — and I give you a prompt that lets AI interview you to build the file automatically. The "Interview Me" Prompt Copy and paste this into ChatGPT, Claude, Gemini, or Art Helper: I want to create a context document about my art business that I can use with AI tools. Interview me by asking one question at a time. Cover these areas: - Who I am as an artist (background, medium, style) - Who my customers are (demographics, where they find me, budget) - What I sell (products, price points, bestsellers) - How I talk/write (voice, tone, words I use) - My business goals for this year After the interview, compile everything into a clean document I can save and reuse. Ask me one question at a time and wait for my answer. The Context File Menu You don't need all of these. Pick 2-3 to start and build from there. # Document What's In It When It Saves You 1 Artist Bio Story, background, philosophy Grants, press, about pages 2 Customer Avatar Who buys, demographics, budget Marketing, emails, ad copy 3 Product Lineup What you sell, prices, sizes Listings, sales copy 4 Brand Voice How you write, words you use/avoid All written content 5 Tech Stack Computers, printers, software, OS ANY tech issue — instant diagnosis 6 Collector List Past buyers, what they bought, notes Follow-ups, Christmas cards 7 Show Calendar Art fairs, festivals, deadlines Planning, logistics 8 Pricing Strategy How you price, margins, why New work, negotiating 9 Marketing Channels Where you show up, what works Strategy, focus 10 FAQ Doc Questions people always ask Responses, website copy 11 Vendor List Framers, printers, suppliers Reorders, troubleshooting 12 Studio Setup Physical space, equipment Insurance, optimization 13 Art Style Guide Medium, techniques, subjects Press, commissions 14 Business Goals Revenue targets, 1yr/5yr vision Planning, accountability 15 Competition Notes Who else, how you're different Positioning, marketing Where to Save Your Context Files ChatGPT Projects: chatgpt.com → New Project → Upload files Claude Projects: claude.ai/projects → New Project → Add to knowledge base Gemini Gems: gemini.google.com → Explore Gems → New Gem File formats that work everywhere: PDF, Word docs, plain text, Markdown Related Episodes Context is King: Stop Having First Dates with ChatGPT Every Time (2025)

Stu Landesberg is Co-founder and CEO of Seneca, a company developing autonomous aerial systems to detect and suppress wildfires before they grow out of control. Designed for rapid initial response, Seneca's technology deploys robotic aircraft that launch within minutes, helping protect homes, infrastructure, and communities in fire-prone regions.In this episode of Inevitable, Landesberg shares why he left Grove—his first company focused on sustainable consumer goods—to tackle what he sees as a civilization-level challenge: early wildfire intervention. The conversation explores how climate conditions, outdated fire cycles, and insurance market failures have converged to threaten life in the American West. Landesberg walks through Seneca's approach to changing that trajectory: distributed strike teams of large autonomous suppression copters, built in the U.S., designed to reach fires faster than any existing response method. He also unpacks the product's potential for mop-up operations, prescribed burns, and utility asset protection.In this episode, we cover:(2:40) Wildfire as a threat to housing and the economy(10:07) The urgent need for faster fire response(15:12) Why helicopters aren't a scalable solution(20:03) New use cases beyond initial attack(28:25) What autonomy looks like in practice(33:11) Why Seneca isn't just another drone company(38:21) Wildfire as a climate and national security risk(46:18) Seneca's first deployments and what's nextLinks:Stuart Landesberg on LinkedIn: https://www.linkedin.com/in/stuartlandesbergSeneca: https://seneca.com/ Enjoyed this episode? Please leave us a review! Share feedback or suggest future topics and guests at info@mcj.vc.Connect with MCJ:Cody Simms on LinkedInVisit mcj.vcSubscribe to the MCJ Newsletter*Editing and post-production work for this episode was provided by The Podcast Consultant

In this episode of the Agency Intelligence Podcast, host Jason Cass welcomes guests Daniel Garzella, CEO of Darkhorse Insurance Brokers and Jason Massey, Vice President of Finance and Accounting at Insurance Accountants to discuss the unique challenges of insurance accounting. Daniel shares his journey from running a retail brokerage to founding an insurance accounting company, highlighting the difficulties he faced in finding suitable accounting solutions tailored to the insurance industry. Jason Massey, with a background in corporate accounting at American Express, joins Daniel to provide insights into how their firm addresses the specific needs of insurance agencies, emphasizing the importance of understanding agency management systems and the complexities of insurance accounting. The conversation delves into the significance of accurate financial reporting and the common pitfalls that insurance agents encounter, such as not knowing their numbers and the challenges of scaling their businesses. Both guests stress the importance of leveraging technology, including AI, to enhance efficiency and accuracy in accounting processes. As they prepare for the upcoming Indy Tech event, they express excitement about connecting with independent agencies and sharing their expertise in solving the industry's accounting challenges. Key Topics: The Journey to Founding an Insurance Accounting Company Understanding the Unique Needs of Insurance Accounting The Importance of Technology in Accounting Common Mistakes Made by Insurance Agents Transitioning from Captive to Independent Insurance Leveraging AI in Insurance Accounting Key Financial Metrics for Agency Success Final Thoughts and Looking Ahead to IndieTech Reach out to: Daniel Garzella Jason Massey Jason Cass Visit Website: Insurance Accountants Darkhorse Insurance Brokers  Garzella Group Agency Intelligence Produced by PodSquad.fm

Episode Summary: In this conversation, Kimberly and Josh Redd delve into the critical topic of inflammation, exploring its prevalence, symptoms, and the various health conditions it can exacerbate, including autoimmune diseases and fertility issues. They discuss the impact of diet, gut health, and environmental toxins on inflammation, as well as the promising role of stem cell therapy in managing chronic inflammatory conditions. The conversation emphasizes the importance of education and proactive health management, encouraging listeners to take control of their health through informed lifestyle choices.Chapters00:00 The Rise of Inflammation Awareness03:04 Understanding Inflammation Symptoms05:59 Inflammation's Impact on Children09:00 Autoimmunity and Inflammation12:02 Dietary Influences on Inflammation14:51 The Role of Gut Health17:59 Environmental Toxins and Inflammation21:30 Big Picture Health Strategies23:53 Cooking and Nutrition Control25:25 Understanding Stem Cell Therapy28:56 Stem Cells and Inflammation31:55 Innovations in Stem Cell Treatments34:19 Insurance and Accessibility of TreatmentsSponsors: FATTY15 OFFER: Fatty15 is on a mission to replenish your C15 levels and restore your long-term health. You can get an additional 15% off their 90-day subscription Starter Kit by going to fatty15.com/KIMBERLY and using code KIMBERLY at checkout.USE LINK: fatty15.com/KIMBERLYDr. Josh Redd Resources: Book: THE 30-DAY INFLAMMATORY RESET: A Complete Guide to Healing Your Immune System Website: DrJoshRedd.com Tik Tok: drjoshred Instagram: @drjoshredd Bio: Dr. Josh Redd, NMD, MS, MPHb, is an industry leader in functional and personalized medicine. With over 12 years of post-graduate education—including two master's degrees and two doctorate degrees—he brings an unmatched depth of training and experience to his patients. His expertise in regenerative medicine includes over 1,000 precision-guided injections for spinal, joint, and soft tissue treatment, helping athletes and active individuals optimize performance and accelerate recovery. He holds an MS in Human Nutrition and Functional Medicine, an MPHb from Johns Hopkins (with an emphasis on molecular biology and immunology), and a Doctor of Chiropractic from Parker University. Most recently, he graduated from naturopathic medical school and completed his residency in regenerative medicine and stem cell injections through Bastyr University.Dr. Redd is the founder of RedRiver Health & Wellness, one of the largest functional medicine clinics in the U.S., with eight locations across Utah, New Mexico, Nevada, and Idaho, and PalmaVita Clinic, a regenerative medicine and athletic performance center in Spanish Fork, Utah.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Today's show features: - Chris Pres, VP, Automotive Distribution of Polly - Laura Perrotta, President of NJ CAR This episode is brought to you by: Stream Companies – Stream Companies is a full-service, fully integrated, tech-enabled advertising agency that drives measurable results through performance marketing, creative and content development, and proprietary AdTech solutions. Our innovative platforms, including the Retail Ready platform and Integrated Marketing Cloud, empower brands to optimize performance and accelerate growth. To learn more, visit StreamCompanies.com. Polly – Polly helps dealers turn insurance into a better customer experience and stronger deal performance. By bringing insurance directly into the car-buying journey, Polly helps dealers close more deals, move them faster, and keep buyers happier. Learn more at www.polly.co/cardealershipguy Check out Car Dealership Guy's stuff: CDG Circles ➤ https://cdgcircles.com/ CDG News ➤ https://news.dealershipguy.com/ CDG Jobs ➤ https://jobs.dealershipguy.com/ CDG Recruiting ➤ https://www.cdgrecruiting.com/ My Socials: X ➤ https://www.twitter.com/GuyDealership Instagram ➤ https://www.instagram.com/cardealershipguy/ TikTok ➤ https://www.tiktok.com/@guydealership LinkedIn ➤ https://www.linkedin.com/company/cardealershipguy/ Threads ➤ https://www.threads.net/@cardealershipguy Facebook ➤ https://www.facebook.com/profile.php?id=100077402857683

Get my new book: https://bronsonequity.com/fireyourselfDownload my new special report - How to Use Inflation to Your Advantage - www.bronsonequity.com/inflationJoin Bronson Hill on the Mailbox Money Show for a replay of this high-octane webinar, "Don't Miss the Precious Metals Boom," packed with insider strategies to capitalize on surging gold and silver prices amid global uncertainty. As host of monthly investor forums and author of Fire Yourself, Bronson moderates a powerhouse panel dissecting the rally's drivers—from central bank hoarding and Fed rate cuts to dollar weaponization and industrial demand—while weighing physical metals against crypto's volatility.Featuring:Brien Lundin, veteran editor of The Gold Newsletter (55+ years strong) and producer of the world's oldest investment conference, the New Orleans Investment Conference.Russell Gray, founder of Raising Capitalists Foundation and advocate for sound money, sharing arbitrage tactics like metals-backed equity lines.David Morgan, publisher of The Morgan Report, delivering contrarian takes on market tops, silver acceleration, and deflation risks.Dana Samuelson, precious metals expert at American Gold Exchange, breaking down dealer insights on ratios, IRAs, and 10-20% upside potential.Whether stacking bullion or blending with equities, don't sleep on this boom—tune in for actionable intel to hedge inflation and seize the next leg up.TIMESTAMPS2:28 - Episode Overview3:04 - Panelist Introductions: Dana, Brien, David, Russell3:58 - Gold Rally: Real or Topping Out?4:17 - Russell: Gold as Liquid Wealth Store vs. Trading6:02 - Brien: Gold as Insurance, Debt Endgame Bull7:34 - Fed Cuts: Bullish for Gold in September8:38 - Poll: Reasons for Gold Breakout9:03 - Dana: Central Banks, Tariffs Driving $400 Rise11:25 - David: Gold 3200-3500 Range, Silver 90/10 Acceleration15:13 - Crypto vs. Physical Metals Debate16:15 - David: Crypto as Gold/Silver Diversion, Miners Losing17:49 - Russell: Circle of Safety - Gold, Bitcoin, Treasuries23:07 - Brien: Bitcoin Speculation, Potential Phoenix Rise25:44 - Dana: Bitcoin Volatile, CBDC Control Threat27:23 - Gold-Silver Ratio at 88:1 Discussion28:13 - Dana: Favor Silver, Ratio Arbitrage29:19 - Brien: Hold Both, Silver to $40 Soon30:15 - David: Swap to Silver/Platinum at Extremes33:02 - Bronson: Metals Benefits - Hedge, Value, Liquidity33:40 - Russell: Metals as Equity/Savings, Arbitrage Debt37:58 - $100K Allocation Rapid Fire38:28 - Brien: 60-70% Silver, Add Copper39:21 - David: Physical First, Then Mining Equities40:36 - Russell: All Gold, Borrow to Buy Silver42:22 - Dana: 30% Gold, 50% Silver, 20% Plat/Pall43:37 - Q&A: Industrial Demand on Silver Prices46:01 - Q&A: Metals in Self-Directed IRA46:48 - Q&A: BRICS Restructuring LBMA/COMEX50:30 - Rapid Fire: US Return to Metal Standard Odds52:40 - Panelist Offers and ClosingJoint the Wealth Forum: bronsonequity.com/wealthConnect with the Guests:Brien Lundin:Gold Newsletter: goldnewsletter.comWebsite: https://neworleansconference.com/Linkedin: https://www.linkedin.com/in/brien-lundin-b37a4819/X: : https://twitter.com/GoldNewsletterRussell Gray:Investor Mentoring Club: rsvp@investormentoringclub.comLinkedin: https://www.linkedin.com/in/russellwgray/Email: follow@russellgray.comDana Samuelson:Website: www.amergold.comPrecious Metals Starting Guide (Email): info@amergold.comYoutube: https://www.youtube.com/c/AmericanGoldExchangeAustinLinkedin: https://www.linkedin.com/in/dana-samuelson-64793056/ David Morgan:Website: https://www.themorganreport.com/Linkedin: https://www.linkedin.com/in/thedavidmorgan/Facebook: https://www.facebook.com/TheMorganReport#PreciousMetalsBoom#GoldRally#SilverAcceleration#DeDollarization#CryptoVsGold#InvestorStrategies#SoundMoney

*Book a free strategy call to discuss your business or second act idea with Shannon here.What happens when you're sitting at a “safe” job with benefits, but your soul is screaming, this isn't it?In this episode of the Second Act Success Podcast, host Shannon Russell sits down with Sabine Kvenberg, who went from working in the insurance industry in Germany to becoming a professional actress, and then making a bold move to the United States to co-found a performing arts school with her husband.Sabine's story is a powerful reminder that starting over, making a career change, and building a second act often comes with resistance from people who want to “protect” you. But as Sabine says, she didn't want to look back 40 years later and wonder, why didn't you at least try?You'll hear how she balanced her 9–5 while training for acting, how her career pivot led to bigger opportunities (and bigger income), and how she later reinvented again through business ownership, podcasting, writing books, and becoming a keynote speaker teaching others how to own their voice on any stage.If you're thinking about leaving your corporate job, reinventing yourself in midlife, starting a business, or building a life that feels aligned, this episode will light you up.Listen now for a second act success story that proves it's never too late to pivot.Inside the episode:Why people resist your career change, even when they love youHow to follow your passion without making reckless decisionsThe “try it now so you don't regret it later” mindset shiftHow Sabine went from corporate stability to creative career freedomWhy intuition matters when making a big life changeHow to build confidence, communication skills, and “own your stage” in business*Get the full show notes here!Leave a review for the Second Act Success Podcast here. Read the Second Act Blog Download the free Career to Business Roadmap Watch the How To Start a Business Training Read Shannon's Book - Start Your Second Act: How to Change Careers, Launch a Business, and Create Your Best Life Book a free Strategy Call with Shannon ➡️ Let's Connect: Instagram | LinkedIn | TikTok More resources & discounts: Home Chef Meal Delivery - (free shipping & $4.99/serving) Flodesk Email Marketing - (25% off 1st year) Stitch Fix Personal Stylist - ($25 off 1st order) Buzzsprout Podcast Hosting - ($20 off) Podmatch Guesting (*Some affiliate links included.)

Clark Smith boasts an impressive career spanning over three decades in the financial advisory realm. He embarked on his journey in 1990 as a financial advisor with Dean Witter Reynolds, quickly rising to prominence as the firm's youngest Retirement Planning Specialist by 1993. Specializing in Retirement Financial Planning, Clark has dedicated his career to helping clients achieve their long-term financial goals.His career trajectory continued upward, becoming Vice President of Investments at Prudential Securities in 1995. From 2000 to 2006, Clark served as Vice President of Investments at UBS, further honing his expertise in investment strategies. In 2006, he took a significant leap by becoming a founding partner and portfolio manager at Woodridge Capital Portfolio Management, where his leadership extended to managing a hedge fund at Woodridge Partners from 2008 to 2016.After a brief retirement from 2017 to 2020, Clark re-entered the financial sector as a Senior Financial Advisor and Director of Retail Operations. His commitment to nurturing talent led him to become the Head of Training for Advisormax financial advisors from 2021 to 2024, where he played a pivotal role in shaping the next generation of financial advisors.Clark Smith's career reflects a steadfast dedication to financial excellence and leadership, marked by his strategic vision and commitment to education and mentorship within the industry. His specialization in Retirement Financial Planning underscores his passion for guiding clients towards secure and fulfilling retirements.Learn more: https://goldenyearsria.com/Insurance products are offered through the insurance business Golden Years Financial. Golden Years Financial is also an Investment Advisory practice that offers products and services through AE Wealth Management, LLC (AEWM), a Registered Investment Adviser. AEWM does not offer insurance products. The insurance products offered by Golden Years Financial are not subject to Investment Adviser requirements. Investing involves risk, including the potential loss of principal. Any references to protection, safety or lifetime income, generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims paying abilities of the issuing carrier. This podcast is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual's situation. Golden Years Financial is not permitted to offer and no statement made during this show shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the U.S. Government or any governmental agency. The information and opinions contained herein provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by Golden Years Financial.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-clark-smith-president-of-golden-years-financial-discussing-his-book-when-the-paycheck-stops

The 4 Categories of What to Keep as Reference 1. Identity & Legal Documents that establish who you are: Birth certificate Passport Social Security card Marriage or divorce records Name change documents These are foundational and worth keeping accessible. 2. Financial & Tax Documents tied to money and compliance: Last 7 years of tax returns Current-year financial records Property deeds or titles Insurance policies Older financial paperwork is rarely needed beyond this window. 3. Medical Documents that support continuity of care: Vaccination records Major diagnoses or procedures Current insurance information Stacks of old printouts are usually unnecessary. 4. Home Documents related to the home you live in now: Warranties for items you still own Manuals you actually reference Major repair or renovation records If it doesn't support your current home, it likely doesn't need to stay.   Hey guys, In this episode, we focus on the Organize step — the point where mental clutter turns into structure. Organizing isn't about making things look neat. It's about deciding where something belongs so your brain doesn't have to keep track of it. Using principles from Getting Things Done, we walk through the core organizing categories and how each one reduces stress when used correctly.   If you want to go deeper and have support decluttering your home consistently, the year-long program is open. You can find all the details at declutteryourchaos.com.   ✨Come home to yourself. ✨ Head to Cozy Earth and use my code DECLUTTER for 20% off and experience the softest sheets you can find: https://cozyearth.com/ Office Series: What's Coming Next Ep. 339 — Cords and Tech How to identify mystery cords and old tech (including AI help) and release what no longer supports you. Ep. 340 — Office Supplies and Computer Gear Reducing duplicates, containing supplies, and creating a setup that actually supports your work. Ep. 341 — Overview of Getting Things Done by David Allen (for declutttering) If this episode helped you, please leave a review or share it with someone who needs it. Looking forward to seeing your progress in the free Facebook group.  To join click below... https://www.facebook.com/groups/declutteryourchaos/ Download my free decluttering planner here: https://declutteryourchaos.com/decluttering-planner Let's connect:

Professional tax evader, undocumented motorist, life-saving drug smuggler. #crypto #DanTaxationIsTheftBehrman #notax All Episodes can be found at⁠www.thecryptopodcast.org⁠ Join my PodFather Podcasting SKOOL Group ⁠https://www.skool.com/podfather/about⁠ All about Roy / Brain Gym & Virtual Assistants at ⁠https://roycoughlan.com/⁠ Brain Fitness SKOOL Group⁠https://www.skool.com/brainfitness/about⁠ Who is Dan Behrman If you want a guest who can blow up assumptions—about money, law, government, finance, and personal freedom—Dan Behrman brings the receipts.For more than two decades, Dan “Taxation Is Theft” Behrman has made a career out of exposing systems designed to keep people compliant, confused, and financially trapped. He's one of the few people in America who can say—credibly—that he hasn't paid income tax in over 10 years and hasn't held a driver's license in nearly 20… with zero legal consequences. Not because he's hiding, but because he understands the law better than the institutions enforcing it.Dan has beaten government agencies at their own game—from the IRS to the FEC—forcing them to back down when they overstep. He's also taken on major corporations and won. His work isn't theory. It's real-world rebellion backed by deep knowledge of how financial, legal, and political systems actually function—not how we're told they function. What we Discussed: 0:00 Intro and what happened my back 02:24 How he realised the Goverment tax was fraud 04:40 Fighting Traffic Tickets 07:00 The System is designed to trick you of your rights 10:00 De-Registering Your Car 12:45 Getting a Fake Drivers Lisence 14:35 Taking the Car because of No Insurance 16:42 Your name is all Caps 18:50 Locked out of his Crypto account without a Driving Lisence 21:45 Trumps Tariffs War 29:30 Insurance is a Gamble and Scam 34:50 Insure Yourself to protect yourself 36:00 Health Insurance was more expensive for the person covered 37:45 Insurance company refusing to pay 38:35 A Crypto Currency to Fix the Corrupt money system 40:45 Monero is posing a theat to the system 42:40 Bitcoin is Inflationary 44:30 Finding better ways to get Crytpo Adoption 46:35 Merc froze my Crypto account 48:05 Anti Money laundering is about taxes 52:30 Sending a Tax form to the IRS can be used against you 55:25 The IRS would need to explain the tax code 58:45 Not charging Sales Tax 1:04:30 Once you pay tax the government does what they want 1:06:55 You can get your taxes back within 1 year. How to Contact Dan Behrman ⁠https://taxationistheft.info/⁠ ⁠https://x.com/danfortexas⁠ ⁠https://www.youtube.com/taxationistheft⁠ ⁠https://www.instagram.com/danbehrman/⁠ ⁠https://www.tiktok.com/@danbehrman⁠ All about Roy / Brain Gym & Virtual Assistants at⁠⁠https://roycoughlan.com/⁠⁠

We have a WIDE variety of topics on today's show. From Florida Insurance Premiums to Orlando rage rooms and history in the making. Come hang out as we talk about all things real estate, theme parks and living in Orlando!

Pete Poggi is the founder and CEO of John Galt Insurance Franchising, where he scaled his property and casualty insurance agency from $3 million to $150 million in premiums in under seven years. A seasoned entrepreneur who once helped grow a chain of family salons before jumping into insurance, Pete is on a mission to teach everyday people—many with zero experience—how to build seven- and eight-figure insurance agencies through his proven system. He's also the author of PNC Insurance Accelerator and creator of the Million Dollar Producer program. On this episode we talk about: *  How Pete transitioned from family business to building one of Florida's fastest-growing insurance firms*  The flaws of traditional insurance franchise models and how John Galt flips the script*  Why independent agencies have the upper hand in today's market*  Pete's “relationship-first” business model that fuels 95% of his agency's growth*  How to build recurring income and financial freedom through property and casualty insurance Top 3 Takeaways 1.  The insurance industry offers unmatched recurring revenue potential—once you build your client base, income compounds year after year.2.  Focus on relationships, not transactions. Partnering with mortgage brokers and real estate agents can create a steady referral pipeline.3.  You don't need sales aggression to win in insurance—being genuine, consistent, and coachable drives long-term success. Notable Quotes *  “I don't really know any poor insurance people. Let me check this insurance thing out.”*  “If you follow the system and put in the work, I can almost make anybody successful.”*  “The insurance business is the best-kept secret to financial freedom ever invented.” Connect with Pete Poggi: *  LinkedIn: https://www.linkedin.com/in/petepoggi*  Website: https://www.johngaltinsurancefranchising.com*  Training Program: https://www.petepoggi.com*  Learn more: https://www.myjgi.com  Travis Makes Money is made possible by High Level – the All-In-One Sales & Marketing Platform built for agencies, by an agency. Capture leads, nurture them, and close more deals—all from one powerful platform. Get an extended free trial at gohighlevel.com/travis Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, we are honored to sit with Sheppard Bowen, co-founder of EVER.PARTY and a former Farmers Insurance agency owner to talk about what actually drives long-term success in the insurance business. From consistency and lead generation to retention, tracking, and team motivation, this conversation breaks down the real levers behind sustainable growth. This episode is a must-listen for agents and entrepreneurs who want clarity, structure, and real growth strategies that work in the real world.Join the elite ranks of P&C agents. Sign up for Agent Elite today and get exclusive resources to grow your agency!

What would you do if you woke up tomorrow and couldn’t earn an income anymore? How long would it be before your safety net ran out? In the forth episode in our Summer Starter Series, the conversation tackles the foundation most people skip, even though it’s just as important as budgeting, saving, or managing debt. Because every money plan relies on one thing first. Your ability to earn money. In this episode, Victoria breaks down why protecting your income is non-negotiable if you actually want your financial progress to hold up in real life. We walk through the types of personal insurance that matter, what income protection really does, and why default cover through super often isn’t enough.This isn’t about worst-case fear or scare tactics. It’s about smart risk management, so one unexpected health event doesn’t undo everything you’ve worked so hard to build.GET YOUR INSURANCE SORTED: With Skye Wealth here. We have a long standing referal partnership with Skye Wealth, and only ever partner with people we trust. LISTEN TO EP 1: Budgeting and Cash FlowLISTEN TO EP 2: Managing DebtLISTEN TO EP 3: Making Saving Easier FREEBIES: All our best free money resources in the one place here.See omnystudio.com/listener for privacy information.

In this episode, Libby Greiwe shares a practical perspective on using AI in your advisory practice without sacrificing authenticity

Max Bruner, Founder and CEO of Anzen, joins Amir Bormand to break down why insurance is quietly one of the biggest data and workflow opportunities in tech right now. They dig into Max's unconventional path from foreign policy to building an executive liability marketplace, and what it really takes to modernize a slow moving industry with AI.If you care about building in real world markets, scaling with discipline, and using AI for more than content, this one will sharpen your thinking fast. Key Takeaways• Insurance is not flashy, but it is foundational, massive, profitable, and packed with repeatable workflows that software can improve• The best tech opportunities are often in slow moving industries with lots of data and outdated systems• Better decision making comes from predicting outcome impact and pressure testing your thinking with a strong community around you• AI value is clearest when it drives real operations, faster transactions, lower costs, and better service• Fundraising is a pipeline game now, treat it like sales, build the plan, hit the numbers, run a tight processTimestamped Highlights00:42 What Anzen actually does, a one stop marketplace for executive liability quotes across the US02:29 From Arabic studies and foreign policy to discovering insurance through political risk08:12 The curiosity engine, how deep research habits shaped his ability to build in new domains11:23 Decision guardrails, learning from outcomes and using trusted people to keep you efficient13:12 Why choose insurance, building in industries that make the world work, plus the profit reality17:29 The startup advantage, modern infrastructure vs incumbent legacy systems, and why catching up takes time20:36 Raising in today's market, what changed, what worked, and why the pitch volume mattersA line worth stealing“Sometimes in tech we miss the application, there are massive industries to go change if we apply technology in the right way.” Max BrunerPro Tips for builders• Pick markets with repeatable workflows, you can ship measurable value faster• Spend your time where the outcome impact is high, skip low ROI rabbit holes• Build a real financial plan before fundraising, then operate close to it• Run fundraising like a sales process, pipeline, volume, and discipline winCall to ActionIf you enjoyed this conversation, follow the show and leave a quick review, it helps more builders find it.

Five health insurance CEOs faced a historic grilling on Capitol Hill this week, and the fallout affects every healthcare provider in America.In this episode, Conrad Meyer and Rory Bellina break down the January 2026 congressional hearings where lawmakers from both parties hammered executives from UnitedHealth, CVS, Cigna, Elevance, and Ascendiun over skyrocketing premiums, claim denials, and the use of AI to reject patient care.We cover:→ Why premiums are doubling after the ACA subsidy expiration→ The new Medicare AI pilot program (WISeR) and what it means for your practice→ How AI-driven prior authorization is linked to denial rates 16x higher than human review→ New state laws in Texas and California requiring AI disclosure→ What Louisiana providers need to know right now→ Six practical steps to protect your patients and your practiceWhether you're a physician, hospital administrator, compliance officer, or healthcare attorney, this episode gives you the legal context and actionable takeaways you need.This podcast is for educational purposes only and does not constitute legal advice.Contact: 504-833-5600 | chehardy.com#HealthLaw #PriorAuthorization #HealthcareAI #PhysicianAdvocacy #HealthcareCompliance #Louisiana

Is 2026 really the new 2016? Join Sarah as she talks about this internet trend, takes the time machine back to 2016 to compare data, and explains how agents can get in on the fun while it lasts!   Get Connected:

For this holiday week, we'd like to prepare you for the upcoming PLRB Claims Conference, so we're sharing a classic episode featuring some highlights on what to expect. You might notice some details specific to the original date of taping, but we've lightly edited it to keep it relevant. We're looking forward to seeing you at the conference!    A supervisor is leading a small but mighty teams of adjusters, and they're taking their team to Indianapolis this spring for the 2025 PLRB Claims Conference. The only problem? They've never been before and have no idea where to start.   Notable Timestamps [ 00:15 ] - One more salute to our once and future host, Alissha Watley. [ 00:40 ] - Our team of claims professionals is headed to Indiana Convention Center in Indianapolis, IN for the 2025 PLRB Claims Conference, held on March 31 to April 2. [ 01:50 ] - The team reminisces about past conferences and tornado alarms. [ 02:40 ] - Stop by the registration desk to get your badge. If you're in town on Sunday, check out the Orientation for First-Time Attendees, and then the Claims Conference Welcome Reception. [ 04:17 ] - On Monday morning, kick off with the general session "The Power of Uncertainty" by Renee Bruns of Renee Bruns Coaching & Consulting, LLC. [ 04:40 ] - The Insurance Services Expo is a great place to connect with new products and service providers. [ 05:11 ] - PLRB will be hosting a booth at the Claims Conference, featuring lightning talks from PLRB staff and guests. [ 07:30 ] - Select from over 100 educational sessions to choose from, across 14 educational tracks. Get your CE Credits and the training you need to succeed. [ 10:30 ] - Lunchtime! The lunch hour is a great chance to check out the Expo hall and build connections. Who said there's no such thing as a free lunch? [ 11:36 ] - On Tuesday, check out PLRB Presents for short impactful talks; Future of Insurance for a thought leadership panel hosted by PLRB CEO Bryan Falchuk; and the Women's Walk coordinated by Girls Give Back. [ 13:00 ] - On Wednesday, stick around for a Backyard BBQ Luncheon. [ 14:16 ] - Register at PLRB.org under the Events tab. [ 15:05 ] - Mike provides a recap of the scenario and the points above. Your PLRB Resources Visit plrbclaimsconference.org or download the PLRB app to register, find a hotel, sign up for your sessions, and more. Employees of member companies also have access to a searchable legal database, hundreds of hours of video trainings, building code materials, weather data, and even the ability to have your coverage questions answered by our team of attorneys (https://www.plrb.org/ask-plrb/) at no additional charge to you or your company. Subscribe to this Podcast Your Podcast App - Please subscribe and rate us on your favorite podcast app YouTube - Please like and subscribe at @plrb LinkedIN - Please follow at "Property and Liability Resource Bureau" Send us your Scenario! Please reach out to us at 630-509-8704 with your scenario! This could be your "adjuster story" sharing a situation from your claims experience, or a burning question you would like the team to answer. In any case, please omit any personal information as we will anonymize your story before we share. Just reach out to scenario@plrb.org.  Legal Information The views and opinions expressed in this resource are those of the individual speaker and not necessarily those of the Property & Liability Resource Bureau (PLRB), its membership, or any organization with which the presenter is employed or affiliated. The information, ideas, and opinions are presented as information only and not as legal advice or offers of representation. Individual policy language and state laws vary, and listeners should rely on guidance from their companies and counsel as appropriate. Music: "Piece of Future" by Keyframe_Audio. Pixabay. Pixabay License. Font: Metropolis by Chris Simpson. SIL OFL 1.1. Icons: FontAwesome (SIL OFL 1.1) and Noun Project (royalty-free licenses purchased via subscription). Sound Effects: Pixabay (Pixabay License) and Freesound.org (CC0).

Matt Farah drove a 2026 Corvette E-Ray into the desert and lived to compare it to the Z06; Zack Klapman weighs in on what they should do with a free racing trailer; a new insurance that's ONLY for Teslas that use Full Self Driving; and Patreon questions include:How long until your car is warm?Is the VR6 engine actually cool?Cars we loved as kids but now think to be lameWhy don't I love Boxsters ?Why do some people want to f*** cars?What's more expensive to own: an old BMW or old Porsche?Detuned supercar engines we never gotWhat's happening with Aston Vantage prices?And more! Recorded January 21, 2026  Show NotesFitbodJoin Fitbod today to get your personalized workout plan. Get 25% off your subscription or try the app FREE for seven days at Fitbod.me/TIRE. DeleteMeGet 20% off your DeleteMe plan when you go to www.joindeleteme.com slash TIRE and use promo code TIRE at checkout.  Athletic GreensFor a limited time only, get a FREE AG1 duffel bag and FREE AG1 Welcome Kit with your first subscription order! Only while supplies last. That's DRINK AG1.COM/ TIRE. DRINK AG1.COM/TIRE.  New merch! Grab a shirt or hoodie and support us! https://thesmokingtireshop.com/ Want your question answered? To listen to the episode the day it's recorded? Want to watch the live stream, get ad-free podcasts, or exclusive podcasts? Join our Patreon: https://www.patreon.com/thesmokingtirepodcast Use Off The Record! and ALWAYS fight your tickets! For a 10% discount on your first case go to https://www.offtherecord.com/TST #cars #comedy #podcast Instagram:https://www.Instagram.com/thesmokingtirehttps://www.Instagram.com/therealzackklapman Click here for the most honest car reviews out there: https://www.youtube.com/thesmokingtire  Want your question answered? Want to watch the live stream, get ad-free podcasts, or exclusive podcasts? Join our Patreon: https://www.patreon.com/thesmokingtirepodcast Use Off The Record! and ALWAYS fight your tickets! Enter code TST10 for a 10% discount on your first case on the Off The Record app, or go to http://www.offtherecord.com/TST. Watch our car reviews: https://www.youtube.com/thesmokingtire Tweet at us!https://www.Twitter.com/thesmokingtirehttps://www.Twitter.com/zackklapman Instagram:https://www.Instagram.com/thesmokingtirehttps://www.Instagram.com/therealzackklapman

Who Sucks Less

Professional tax evader, undocumented motorist, life-saving drug smuggler.#crypto #DanTaxationIsTheftBehrman #notax All Episodes can be found at www.thecryptopodcast.org Join my PodFather Podcasting SKOOL Grouphttps://www.skool.com/podfather/about All about Roy / Brain Gym & Virtual Assistants athttps://roycoughlan.com/ Brain Fitness SKOOL Group https://www.skool.com/brainfitness/about  Who is Dan Behrman If you want a guest who can blow up assumptions—about money, law, government, finance, and personal freedom—Dan Behrman brings the receipts.For more than two decades, Dan “Taxation Is Theft” Behrman has made a career out of exposing systems designed to keep people compliant, confused, and financially trapped. He's one of the few people in America who can say—credibly—that he hasn't paid income tax in over 10 years and hasn't held a driver's license in nearly 20… with zero legal consequences. Not because he's hiding, but because he understands the law better than the institutions enforcing it.Dan has beaten government agencies at their own game—from the IRS to the FEC—forcing them to back down when they overstep. He's also taken on major corporations and won. His work isn't theory. It's real-world rebellion backed by deep knowledge of how financial, legal, and political systems actually function—not how we're told they function.What we Discussed: 0:00 Intro and what happened my back02:24 How he realised the Goverment tax was fraud04:40 Fighting Traffic Tickets07:00 The System is designed to trick you of your rights10:00 De-Registering Your Car12:45 Getting a Fake Drivers Lisence14:35 Taking the Car because of No Insurance16:42 Your name is all Caps18:50 Locked out of his Crypto account without a Driving Lisence21:45 Trumps Tariffs War29:30 Insurance is a Gamble and Scam34:50 Insure Yourself to protect yourself36:00 Health Insurance was more expensive for the person covered37:45 Insurance company refusing to pay38:35 A Crypto Currency to Fix the Corrupt money system40:45 Monero is posing a theat to the system42:40 Bitcoin is Inflationary44:30 Finding better ways to get Crytpo Adoption46:35 Merc froze my Crypto account48:05 Anti Money laundering is about taxes52:30 Sending a Tax form to the IRS can be used against you55:25 The IRS would need to explain the tax code58:45 Not charging Sales Tax1:04:30 Once you pay tax the government does what they want1:06:55 You can get your taxes back within 1 year. How to Contact Dan Behrman https://taxationistheft.info/https://x.com/danfortexashttps://www.youtube.com/taxationisthefthttps://www.instagram.com/danbehrman/https://www.tiktok.com/@danbehrmanAll about Roy / Brain Gym & Virtual Assistants at ⁠https://roycoughlan.com/⁠  

I broke down my full trajectory from broke college kid to owning a portfolio of companies bringing in hundreds of thousands a month. I shared the hardest moments, crying on a Boston sidewalk after wrecked trucks and bad reviews, and why most people underestimate how brutal the stress can get. We got into the financial whiplash that comes with entrepreneurship, how I think about lifestyle creep, and why I still live like it could all vanish. I also walked through how I reinvested everything after my first seven-figure refinance, how I think about net worth vs cash flow, and what it actually costs to run my life, including the plane. If you want the unfiltered version of how I built this, this episode is it. Grow your business:   https://sweatystartup.com/events   Book:   https://www.amazon.com/Sweaty-Startup-Doing-Boring-Things/dp/006338762X     Newsletter:   https://www.nickhuber.com/newsletter     My Companies:   Offshore recruiting – https://somewhere.com   Cost segregation – https://recostseg.com   Self storage – https://boltstorage.com   RE development – http://www.boltbuilders.com   Brokerage – https://nickhuber.com   Paid ads – https://adrhino.com   SEO – https://boldseo.com   Insurance – https://titanrisk.com   Pest control – https://spidexx.com     Sell a business:   http://nickhuber.com/sell     Buy a business:   https://www.nickhuber.com/buy     Invest with me:   http://nickhuber.com/invest     Social Profiles:   X – https://www.x.com/sweatystartup   Instagram – https://www.instagram.com/sweatystartup   TikTok – https://www.tiktok.com/404?fromUrl=/sweatystartup   LinkedIn – https://www.linkedin.com/in/sweatystartup     Podcasts:   The Sweaty Startup & The Nick Huber Show   https://open.spotify.com/show/7L5zQxijU81xq4SbVYNs81     Free PDF – How to analyze a self-storage deal:   https://sweatystartup.ck.page/79046c9b03  

In this week episode, Heath Shearon and Casey Nelson discuss the importance of standardizing processes in agencies, the impact of AI on business, and the potential societal reset from reducing screen time. They explore the challenges of implementing consistent procedures, the role of AI in modern companies, and the cultural shift towards more face-to-face interactions. The conversation also touches on the hypothetical scenario of shutting down the internet for six months and its potential effects on society. Additionally, they delve into personal anecdotes, the significance of setting goals, and the evolving landscape of the insurance industry.TakeawaysStandardizing processes is crucial for agency efficiency.AI is transforming business operations significantly.Reducing screen time could lead to a societal reset.Consistent procedures help in minimizing wasteful practices.Face-to-face interactions are becoming more valued.The internet shutdown could have profound societal effects.Agencies should focus on their most profitable clients.Building processes should involve employee input.AI tools can be both time-saving and time-consuming.Cultural shifts are moving towards more personal interactions.Setting personal goals can drive professional growth.Understanding industry trends is key to staying competitive.Chapters00:00:00 Introduction and Technical Issues00:01:00 Standardizing Processes in Agencies00:01:55 AI's Impact on Business00:15:55 Cultural Shifts and Screen Time00:20:19 Hypothetical Internet Shutdown00:25:00 Personal Goals and Anecdotes00:30:00 Insurance Industry TrendsSponsors:Smart ChoiceCanopy ConnectMAV

Click HERE to learn how to earn $10K/month in rental income & access 50% discount on RTR Academyhttps://landing.renttoretirement.com/evg-masterclass-replaySouthwest Florida continues to stand out as one of the strongest long-term real estate investment markets in the U.S. In this episode of the Rent To Retirement Podcast, host Matthew Seyoum sits down with Rent To Retirement CEO Zach Lemaster and a longtime Southwest Florida investor and builder partner to break down why new construction and build-to-rent strategies are thriving in this region.You'll learn why population growth, affordability, and pro-investor policies are driving demand, how modern building codes have changed the risk profile around hurricanes and insurance, and how investors can create immediate equity through ground-up duplex construction—without taking on construction risk themselves.This episode also covers turnkey opportunities, long-term wealth building strategies, and why focusing on fundamentals—not headlines—is critical for real estate investors looking to scale intelligently.⏱️ Episode Timestamps00:00 – Welcome to the Rent To Retirement Podcast01:00 – Why Southwest Florida is a major growth corridor03:00 – Hurricanes, insurance costs, and common investor misconceptions07:30 – New construction vs older homes: what actually holds up10:45 – Investor background: from Wall Street to Florida real estate14:30 – Ground-up construction explained (build-to-rent strategy)18:45 – How investors create equity without construction loans22:45 – Duplex vs single-family investing in today's market26:00 – Long-term wealth, leverage, and inflation advantages30:45 – Why Florida remains a top investor-friendly state

Pool Pros text questions hereIn this episode of the Insurance Interlude, hosts Steve Sherwood and Pat Grignon delve into the complexities of insurance, particularly in the context of the pool and hospitality industries. They discuss the inevitability of accidents, emphasizing the importance of preparedness and proper signage to mitigate risks. Pat shares insights on how training programs can lead to insurance discounts, highlighting the significance of proactive safety measures in reducing workplace injuries and improving insurance rates. The conversation also touches on the nuances of auto insurance, where liability coverage often constitutes a significant portion of premiums, and the hosts encourage listeners to engage with their insurance agents to explore options for better rates and coverage.keywordsinsurance, pool safety, workplace injuries, auto insurance, liability coverage, insurance discounts, safety training, California Pool Association, risk management, insurance tipstakeawaysYou can never completely prevent accidents, but you can prepare for them.Proper signage is crucial for emergency response effectiveness.Training programs can lead to insurance discounts.Incentive programs for no workplace injuries can improve safety culture.Auto insurance liability coverage is often the most significant part of your premium.Sound Bites"You can never completely prevent accidents.""Training programs can lead to insurance discounts.""Auto insurance liability coverage is often the most significant part."Chapters00:00Introduction to Insurance in the Pool Industry01:50The Importance of Safety Training06:11Incentives for Safety and Insurance Discounts10:27Understanding Auto and Liability Insurance15:16Navigating Insurance Costs and Coverage Options17:22Conclusion and Final Thoughts LaMotte CompanyLaMotte Company is a leading manufacturer of water quality testing products & pool test kitsCalifornia Pool AssociationPool Industry Trade OrganizationCMAHCThe Council for the Model Aquatic Health Code promotes health & safety at public swimming poolsDisclaimer: This post contains affiliate links. If you make a purchase, I may receive a commission at no extra cost to you.Support the showThank you so much for listening! You can find us on social media: Facebook Instagram Tik Tok Email us: talkingpools@gmail.com

Today's guest is Nina Edwards, Vice President of Emerging Technology and Innovation at Prudential Insurance. With decades of experience driving strategy, innovation, and AI-enabled growth at leading financial and consulting firms, Nina brings deep expertise in applied intelligence and emerging technology. Nina joins Emerj Editorial Director Matthew DeMello to discuss how enterprises can adopt AI safely and effectively, balancing innovation with compliance while mitigating data and copyright risks. She also shares practical takeaways, including implementing instrumented sandboxes, structured licensing, and governance frameworks that boost experimentation confidence, reduce risk, and deliver measurable ROI across business workflows. This episode is sponsored by CCC. Learn how brands work with Emerj and other Emerj Media options at emerj.com/ad1. Join an exclusive circle of executive leaders shaping the future of AI. Apply to be a guest on the 'AI in Business' podcast at emerj.com/expert2 – share your insights with peers, cement your reputation as a forward-thinking innovator, and have your expertise highlighted to a curated audience of decision-makers.

Feeling overwhelmed by insurance admin in your dental practice? In this episode, Lester De Alwis talks with Timothy Boyle from REVA Global about how trained virtual assistants can reduce insurance dependence and streamline your front office. Learn how MVPs help with billing, scheduling, patient communication, and more—saving you time, money, and stress. 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

In this episode of Don't Take No For An Answer, host Eric Jesse sits down with Matthew Kerman, a broker at ARC Excess & Surplus, to discuss the current state and trends on directors and officers (D&O) insurance. Kerman notes that D&O insurance is moving into a more balanced, softening environment. The conversation addresses new capacity in the D&O liability marketplace, increased competition among insurance companies, and emerging coverage for AI concerns.  Speakers: Eric Jesse, Partner, Insurance RecoveryMatthew Kerman, Broker, ARC Excess & Surplus Headquarters

The recent failure of ISRO's PSLV-C62 mission has highlighted the need for space insurance among Indian startups. However, the market remains marred by high premiums and limited options. For a country like India, with a weaker currency and a relatively smaller space footprint, insuring space assets often feels financially unrealistic. Link to the story: https://theprint.in/science/space-insurance-indian-startups-pslv-failure/2833203/

We start off talking about a Fort Worth firefighter who had to fight to get his on-duty injuries covered by workers comp, a Florida boat captain who got a little greedy, and is ERCOT ready for the upcoming winter blast?  LINKS:Florida Keys boat captain accused of selling kilos of cocaine found at seahttps://www.wfaa.com/article/news/local/fort-worth-severely-burned-firefighter-injured-workers-compensation/287-fdaea618-7b6c-4b0a-aacd-9184f99a67a3https://www.wfaa.com/article/news/local/ercot-winter-weather-advisory-texas-power-grid-updates-dfw-forecast-dallas/287-aec36113-1b6d-4076-a77e-c1d82ba9fdbc?tbref=hpThe Treehouse Show is a Dallas based comedy podcast. Leave your worries outside and join Dan O'Malley, Trey Trenholm, Raj Sharma, and their guests for laughs about funny news, viral stories, and hilarious commentary.The Treehouse WebsiteGet MORE from the Treehouse Show on PatreonGet a FREE roof inspection from the best company in DFW:Cook DFW Roofing & Restoration CLICK HERE TO DONATE:The RMS Treehouse Listeners Foundation

Click HERE to learn how to earn $10K/month in rental income & access 50% discount on RTR Academyhttps://landing.renttoretirement.com/evg-masterclass-replaySouthwest Florida continues to stand out as one of the strongest long-term real estate investment markets in the U.S. In this episode of the Rent To Retirement Podcast, host Matthew Seyoum sits down with Rent To Retirement CEO Zach Lemaster and a longtime Southwest Florida investor and builder partner to break down why new construction and build-to-rent strategies are thriving in this region.You'll learn why population growth, affordability, and pro-investor policies are driving demand, how modern building codes have changed the risk profile around hurricanes and insurance, and how investors can create immediate equity through ground-up duplex construction—without taking on construction risk themselves.This episode also covers turnkey opportunities, long-term wealth building strategies, and why focusing on fundamentals—not headlines—is critical for real estate investors looking to scale intelligently.⏱️ Episode Timestamps00:00 – Welcome to the Rent To Retirement Podcast01:00 – Why Southwest Florida is a major growth corridor03:00 – Hurricanes, insurance costs, and common investor misconceptions07:30 – New construction vs older homes: what actually holds up10:45 – Investor background: from Wall Street to Florida real estate14:30 – Ground-up construction explained (build-to-rent strategy)18:45 – How investors create equity without construction loans22:45 – Duplex vs single-family investing in today's market26:00 – Long-term wealth, leverage, and inflation advantages30:45 – Why Florida remains a top investor-friendly state

Federal retirement planning shouldn't start when you're filling out the retirement packet — by then, you're making lifetime decisions under a deadline. Planning early gives you time to align your benefits with your goals.Learn how to complete your federal retirement paperwork accurately, understand benefit elections, TSP options, survivor benefits, and the retirement submission process before you're up against the clock.We offer you a FREE 15-minute call to ask questions and start understanding whether you have a real retirement plan or just the idea of one. Schedule here: https://calendly.com/charlesdzama/complimentary-15-minute-phone-call-youtubeAre You “Shutdown-Proof” for Retirement?, find out here: https://lb1nm6qa2sh.typeform.com/to/pKWB4w8bNewsletter: https://cdfinancial.com/newsletterSocials:Instagram: https://instagram.com/cdfinancial.llc/Facebook: https://facebook.com/cdfinancialLinkedIn: https://linkedin.com/company/cd-financial

Get 1 CEU for PSI and/or NAPPS: https://docs.google.com/forms/d/e/1FAIpQLSe0MylzLjD5QBzVXXsDfUI2jiRzkTzMfWBZcmv99WLgs6FUag/viewform?usp=header What does it mean to truly care in your business when you're busy, scaling, and running on fumes? In this conversation, we talk with Scott Black about how complacency shows up quietly—skipping the notes, assuming nothing changed, letting small red flags slide—and how that leads to "oh no" moments. We dig into why consistency isn't boring, it's protective: for pets, for clients, and for your team. Scott shares practical ways to raise the bar through screening, documentation, and clearer boundaries around what you will and won't do. The goal is simple: stay professional, stay prepared, and keep your head in the game. Main topics: Complacency vs. consistent care Documentation that prevents mistakes Screening for risk and fit Insurance, liability, and boundaries Emergency planning and preparedness Main takeaway: "If you're consistent, you won't get complacent." That line hits because complacency rarely shows up as a big decision—it shows up as a skipped step. You stop re-reading the notes. You assume the meds are the same. You let a red flag wait until the meet-and-greet. Consistency is what keeps your head in the game when the schedule is full and your brain is tired. It's not about being robotic—it's about building a repeatable standard that protects the pets, the client, your team, and you. About our guest: Scott Black is a veteran pet care professional with 20 years in business, known for his thorough, safety-first approach to pet sitting and client communication. He emphasizes consistency, documentation, and preparedness as the foundation for preventing avoidable emergencies and liability issues. Scott is passionate about professional standards, ongoing training, and helping newer pet sitters avoid mistakes it took him years to learn. He regularly shares insights in industry groups and encourages pet care pros to keep the "P" in professional pet sitting. Links: Get 1 CEU for PSI and/or NAPPS: https://docs.google.com/forms/d/e/1FAIpQLSe0MylzLjD5QBzVXXsDfUI2jiRzkTzMfWBZcmv99WLgs6FUag/viewform?usp=header Check out our Starter Packs See all of our discounts! Check out ProTrainings Code: CPR-petsitterconfessional for 10% off

How do you get your dog to do very hard things without knowing they were hard?  There is a way to do that.  Listen in.....

Dr. Chris Spinella  built his early career owning an insurance based chiropractic practice. The work was steady, but the margins were thin. Low reimbursements meant high volume, long days, and constant pressure to see more patients just to stay afloat. Then everything changed. After a major insurance company mishap, Chris lost more than $50,000 in unpaid claims. Money that had already been earned simply disappeared. That moment forced a hard look at the business he had built and the risks he was carrying without realizing it. Chris knew he wanted out of the insurance model, but the transition was not easy. He worried about losing patients. He worried about his staff. He worried about supporting his family. Despite the fear, he had a strong conviction that a cash based model was the right path forward. Instead of easing into it halfway, Chris committed fully. He invested heavily in business education, refined his clinical skills, and even became a patient at Justin's practice to experience the model firsthand from the other side. The result was a successful transition. By clearly communicating the value of the new model, Chris retained many of his existing patients. Over time, he expanded into a larger facility and brought on an associate, creating a business that supported both growth and quality of care. In this episode, Chris shares what it really takes to leave insurance behind and why conviction matters more than comfort. Here's what we talk about: Life inside an insurance driven chiropractic practice The $50,000 insurance loss that changed everything The fears that come with leaving insurance behind Why conviction matters when changing your business model Investing in education to support a major transition Retaining patients through clear communication Expanding into a larger facility and hiring an associate Helping other chiropractors make the move to cash care Chris's story shows what can happen when you commit fully to a model that aligns with your values and your long term goals. Apply for a Non Member Ticket to Our Next Live Event in Orlando on Jan 31–Feb 1 ----more----   Your Host: Justin Rabinowitz Founder of RehabChiro Coach. Justin works with chiropractors and clinic owners to build profitable, scalable practices rooted in clear business models and disciplined execution.  

In this episode I chat with Laura Schoenfeld all about hybrid offers and how you can make MORE impact in LESS time.  You can learn more about what Laura has to offer here: https://www.lauraschoenfeld.com Connect with Laura on IG at: https://www.instagram.com/lauraschoenfeldrd  

The trucking market is defying the typical post-holiday slump, with data showing high tender rejections instead of the usual January hangover. Rapid inventory contraction suggests shippers may soon rush to restock, keeping spot rates elevated. However, this boom attracts "chameleon carriers" who utilize magnetic placards to swap identities and bypass safety regulations. Industry experts warn that recent federal notices downplay the severity of this rampant carrier identity theft The problem is exacerbated by the rise of instant-issue insurance platforms, which have removed critical barriers to entry for dangerous operators. This lack of vetting coincides with a surge in nuclear verdicts, leaving the public exposed due to outdated [federal liability minimums]. Financial volatility is also hitting large asset-based carriers, leading the R&R Family of Companies to divest its logistics units to the CJK Group. This sale comes on the heels of the [sudden shutdown of Taylor Express], highlighting liquidity issues in the sector. Competition is heating up elsewhere as the U.S. Postal Service begins soliciting bids from retailers to fill their last-mile delivery networks. By selling reserved capacity, the agency intends to [challenge private carriers] for e-commerce volume. Innovation continues to reshape the landscape, demonstrated by autonomous railcars in Michigan that operate without traditional locomotives. This technology promises to make short-haul rail profitable, potentially luring freight away from trucks. Follow the FreightWaves NOW Podcast Other FreightWaves Shows Learn more about your ad choices. Visit megaphone.fm/adchoices

The Year of The Fire Horse Part 1     As I sat down to share this episode, we are in that weird blur between the holidays and the start of the new year—January 21st to be exact. Somehow we're saying goodbye to January already and I'm still not sure how time is moving this fast. To be honest, I am a little under the weather today. A trip back home to Chicago gifted me more than nostalgia—sniffles and congestion that love to linger. But if there's anything amputee life has taught me, it's how to show up anyway. Healing isn't always linear, progress isn't always pretty, and sometimes the real strength is simply being here. If you've been with me for a while, you already know how excited I am about 2026. This is the Year of the Horse, and I have unapologetically embraced it. Horses are my heart—right alongside my pups—and spending time with them is healing in motion. I was out loving on them earlier that morning, enjoying Arizona sunshine that feels a little too warm for January. (I'm still waiting for winter to show up so I can actually appreciate the desert heat again.) But weather aside, the symbolism of the horse couldn't align more powerfully with the season I'm in—and the season many of you are in. What makes this year even more rare is that it isn't just the Year of the Horse. It is the Year of the Fire Horse, a cycle that doesn't come around often in the Chinese calendar. Fire brings imagery of energy, power, movement, and drive—big, explosive energy that demands expansion. When I learned that, I immediately knew I wanted to infuse that symbolism into our lives this year, especially within the amputee community. Now, if you're not an amputee, don't tune out. The beauty of this journey is that the lessons apply to anyone navigating hardship—whether your challenges are physical, medical, emotional, relational, or even professional. Struggle doesn't discriminate. But neither does growth. I've never been a fan of New Year's resolutions. January feels messy—physically, mentally, and emotionally. We're recovering from holidays, reorganizing homes, resetting routines, trying to remember what vegetables look like, and wrestling with motivation that hasn't thawed out yet. I spent those early weeks decluttering my body from holiday eating and drinking, refreshing my home, and re-establishing rhythms that support who I want to be—not just who I've been. For me, that looks like eating cleaner, scheduling movement, and taking care of my mind, my leg, my family, and my horses. I'm not a rigid scheduler by nature, but with so many things I love doing, I can't always choose—and then nothing gets done. So sometimes structure serves us. While reading about the Year of the Fire Horse, five symbolic themes showed up. I decided I'm going to break them down over several episodes and explore how they can shape our growth. Unless something major happens in my own life (because I always speak from personal experience first), we're riding that theme for a bit. The first Fire Horse theme? Movement, Momentum, and Fearless Expansion. Three words. Three mountains. Three invitations. Let's start with movement. If you're an amputee and you're unhappy with where you're at—maybe you're watching others do things you wish you could do—the number one thing I'll tell you is this: do not compare yourself to anyone else. Amputee life is not one size fits all. Body types, limb levels, insurance coverage, prosthetic technology, pain tolerance, terrain, weather, confidence—all of it changes the picture. Someone in snowy Minnesota isn't out hiking in January. Someone in Arizona isn't out walking at 115°F. Our seasons look different literally and figuratively. And that's okay. But movement matters. In fact, movement is everything. Movement is how we reclaim our bodies. Movement is how we rebuild trust. Movement is how we protect our mental health. Movement is how we remind ourselves we're alive. Prosthetics don't move us—we move us. Insurance coverage doesn't give us grit—we give us grit. And movement isn't pain-free, effortless, or pretty in the beginning. It's awkward. It's exhausting. It's uncomfortable. And some days it just feels unfair. But movement is life, and life demands movement. Even if you're not on a prosthetic yet, wheelchairs, crutches, walkers—pushing yourself counts. Motion burns energy, heals the mind, and keeps you connected to your body and your environment. And with movement comes momentum. Momentum isn't about speed—it's about direction. It's about choosing to walk to the end of the driveway today, past the neighbor's house tomorrow, and maybe around the block next week. Those baby steps are not insignificant. They are data. They are discipline. They are the quiet stacking of strength. I still remember thinking I could walk a mile as soon as I got cleared for my prosthetic. I didn't make it past three houses. I was disappointed at first, but then I realized something important: I had found my baseline. You cannot grow if you don't know where you're starting from. Momentum begins with honesty. Momentum is also how you build trust with your prosthesis—trust up a curb, down a hill, over uneven terrain, and through the hundred tiny adjustments your body makes to learn this new dance. Prosthesis + confidence is earned, not given. And it starts one step at a time. Then comes the third theme: fearless expansion.     Let me be very clear—fearless does not mean the absence of fear. It means facing fear. Every amputee I've ever met battles fear. Fear of falling. Fear of looking foolish. Fear of pain. Fear of malfunction. Fear of being judged. Fear of being stared at. Fear of being misunderstood. Fear of being trapped in this new reality forever. Fearless expansion is courage in motion. It's putting on your leg even when you don't feel like it. It's going out in public before your gait feels steady. It's learning how to trust a piece of machinery that now represents a part of your body. It's standing back up every time you fall—literally or metaphorically. And here's the truth: what you do now determines what your future looks like. I'm not worried about being 80 yet—but I know how I move my body today will directly affect that version of me.     I'm wired for action. Consuming content without integration doesn't create change. So here's your call to action: If you're not moving, start. Not a marathon. Not a hike. Not a PR. Just movement. Ask yourself: What do I want my future to look like? Where do I want expansion? What scares me—and am I willing to face it? Maybe your goal is more steps. Maybe it's longer prosthetic wear time. Maybe it's a grocery run. Maybe it's cooking a meal standing up. Maybe it's just putting the leg on today. Compete only with yesterday's version of you. If you get stronger, braver, and more resilient by even 1%—you're winning. And if you need accountability, reach out. DM me. Join me. I'm launching a virtual challenge soon—Year of the Horse themed, of course—and I want you on my team. Because momentum is easier when you're not doing it alone. So get moving. Build momentum. Expand fearlessly. Face the fire horse energy and ride it into the life you deserve. Get moving, Warriors!   And as always— be Healthy, Be Happy, Be YOU!!!   Much Love,    

Insurance isn't short on “AI demos.” It's short on AI that actually survives real workflows—submissions, audits, claims intake, policy comparison, compliance. Aman Gour (CEO, FurtherAI) breaks down what agentic AI actually means in practice, why “accuracy you can trust” is the real moat, and how teams move from one automated workflow to a platform-wide operating layer. What you'll hear (high-signal takeaways) Agentic AI, defined plainly: a loop where the system executes, checks, and self-corrects until the output is right (not just “extract text from PDFs”). The winning wedge in insurance AI: workflow outcomes and reliability—not model hype. Why “one platform” matters: insurers don't want 10 tools; they want a workspace that expands from one workflow to many. Where the real leverage is: unstructured intake + decision workflows (submissions, claims/FNOL-adjacent intake, audits, policy comparison). The operator reality: adoption happens when humans stay in control, with review points, auditability, and explainable outputs. The closing theme: speed is useless without intent—“hustle with purpose.” Chapters (timestamps) 00:00 — Intro + Aman's background 00:36 — What FurtherAI does (where insurance ops actually bleed time) 02:22 — What “agentic AI” means (in the real world) 03:35 — The agentic loop: do → check → correct → final output 09:28 — “Not a ChatGPT alternative” (what a real platform is) 15:18 — What makes teams successful adopting AI in production 28:03 — One-person unicorn vs. small elite teams with leverage 28:56 — Closing: hustle with purpose (Margaret Mead quote) Notable Comments  03:35–04:07 — Agentic loop: execute, reflect, correct until it's right. 09:28–09:35 — “It's not just a data extraction platform… It's not a ChatGPT alternative.” 28:56–29:22 — “Never doubt that a small group… can change the world… Hustle with purpose.” Guest + Company Links FurtherAI: https://www.furtherai.com/ Aman Gour (LinkedIn): https://www.linkedin.com/in/amangour/ About Our Guest Aman Gour, CEO of FurtherAI — a Y Combinator-backed startup bringing automation and AI to the most unglamorous, yet mission-critical parts of insurance. Aman's a two-time founder, product builder, and storyteller-in-progress — who's helping rewire how insurers handle submissions, audits, and claims intake. #InsurTech #Insurance #AI #AgenticAI #Underwriting #Claims #WorkflowAutomation

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.

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 #BESTSee omnystudio.com/listener for privacy information.

In this solo episode, we break down the most common ways investors lose money in apartment investing. And, more importantly, how to avoid them. While multifamily is a powerful wealth-building vehicle, it's not foolproof. We walk through real-world examples from my own portfolio to highlight where deals go wrong, from negative cash flow and over-leverage to bad partners and poor business planning. This episode is a practical guide for investors who want to protect capital, reduce risk, and build durable multifamily portfolios.     Make sure to download our free guide, 7 Questions Every Passive Investor Should Ask, here.     Key Takeaways Understand how negative cash flow quietly erodes deals over time Learn why conservative underwriting matters more than optimistic projections See how improper insurance coverage can magnify catastrophic losses Recognize how leverage, partners, and market selection impact long-term outcomes     Topics Negative Cash Flow and Poor Underwriting Cash flow equals income minus expenses, debt service, and CapEx Renovations, rising expenses, and miscalculations can quickly create losses Trailing 12-month statements often understate true operating costs Investors must model realistic expenses and conservative income assumptions Catastrophic Events and Insurance Coverage Fires, storms, and other disasters can shut down buildings for months Insurance must cover both property damage and lost business income Understanding deductibles, exclusions, and coverage details is critical Proper insurance makes unavoidable events survivable from a business standpoint Over-Leverage and Loan Risk High loan-to-value ratios reduce flexibility during refinancing or sale Properties that fail to create value can become impossible to exit Conservative leverage (around 65% LTV or lower) preserves options Loans must match the business plan and hold strategy Bad Partners and Weak Teams Poor property managers, contractors, or partners can destroy deals Fraud, negligence, or lack of accountability creates hidden risk Due diligence, references, and checks and balances are essential Quality partners cost more, but reduce long-term losses Market Selection and Long-Term Growth Cash-flow-only markets may lack appreciation Aging properties require reinvestment over time Markets and submarkets must support long-term value growth Cheap properties without upside can become capital traps Over-Improving and Flawed Business Plans Renovations must align with market rent ceilings Over-improving units doesn't guarantee higher returns Class B and C properties have natural rent limits Staying disciplined with budgets and numbers protects returns    

Michael Kramer was 19 when cancer ambushed his life. He went from surfing Florida beaches to chemo, radiation, and a bone marrow transplant that left him alive but carrying a chronic disease. He had necrosis in his knees and elbows, lost his ability to surf for years, and found himself stuck in hospitals instead of the ocean. Yet he adapted. Michael picked up a guitar, built Lego sets, led support groups, and started sharing his story on Instagram and TikTok.We talk about masculinity, identity, and what happens when the thing that defines you gets stripped away. He opens up about dating in Miami, freezing sperm at a children's hospital, awkward Uber-for-sperm moments with his brother, and how meditation became survival. Michael lost his father to cancer when he was a teen, and that grief shaped how he lives and advocates today. He is funny, grounded, and honest about the realities of survivorship in your twenties. This episode shows what resilience looks like when you refuse to walk it off and choose to speak it out loud instead.RELATED LINKSMichael Kramer on InstagramMichael Kramer on TikTokMichael and Mom Inspire on YouTubeAshlee Cramer's BookUniversity of Miami Sylvester Comprehensive Cancer CenterStupid Cancer FEEDBACKLike this episode? Rate and review Walk It Off on your favorite podcast platform. For guest suggestions or sponsorship inquiries, email podcast@matthewzachary.comSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

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

How big is the fraud? Bigger than anyone wants to admit.

In this episode of Making Risk Flow, host Juan de Castro speaks with Antonio Grimaldi, Partner at McKinsey, about how London Market carriers can unlock growth by redesigning their operating models, not just optimising portfolios. They explore why execution drives the majority of performance, how underwriting workflows must be reimagined to free up judgement-led work, and what the shift towards facilities, MGAs, and alternative distribution means for competitive differentiation. The conversation cuts through the AI hype, outlining a pragmatic buy-versus-build framework and the real cost of “POC purgatory”. Antonio also reframes relationship-based service for 2026, arguing that speed, clarity, and decisive underwriting strengthen broker relationships more than manual processes; especially in a softening market.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