Podcasts about insure

Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society.   Justin divides this episode into three segments. He first interviews Eddie Tettevi, Sandbox Mutual Insurance CRO and RIMS Canada Council Chair — DEI and Comms, about his risk career and his service on the RIMS Canada Council. In the second segment, Justin interviews Janiece Savien-Brown, Metro Vancouver, and Shaun Sinclair, BCIT, about the C2C Challenge and the winning student team. The third segment is a recording of "Intentional Mentorship," an improvised session from the DEI Studio, featuring Dionne Bowers, Co-Founder & Chair of the Canadian Association of Black Insurance Professionals (CABIP), Ray Chaaya, Head of talent for Zurich Canada, and Natalia Szubbocsev, Executive Vice President at Appraisals International Inc.   Listen to learn about some exciting events of the RIMS Canada Conference 2025.   Key Takeaways: [:01] About RIMS and RIMScast. [:17] About this episode of RIMScast. This episode was recorded live on September 15th, 16th, and 17th at the RIMS Canada Conference 2025, at the Telus Convention Center in Calgary. We had a blast! We will relive the glory of the RIMS Canada Conference in just a moment, but first: [:50] RIMS Virtual Workshops! RIMS has launched a new course, “Intro to ERM for Senior Leaders.” It will be held again on November 4th and 5th and will be led by Elise Farnham. [1:07] On November 11th and 12th, my good friend Chris Hansen will lead “Fundamentals of Insurance”. It features everything you've always wanted to know about insurance but were afraid to ask. Fear not; ask Chris Hansen! RIMS members enjoy deep discounts on virtual workshops! [1:26] The full schedule of virtual workshops can be found on the RIMS.org/education and RIMS.org/education/online-learning pages. A link is also in this episode's notes. [1:37] Several RIMS Webinars are being hosted this Fall. On October 9th, Global Risk Consultants returns to deliver “Natural Hazards: A Data-Driven Guide to Improving Resilience and Risk Financing Outcomes”. [1:50] On October 16th, Zurich returns to deliver “Jury Dynamics: How Juries Shape Today's Legal Landscape”. On October 30th, Swiss Re will present “Parametric Insurance: Providing Financial Certainty in Uncertain Times”. [2:07] On November 6th, Hub will present “Geopolitical Whiplash — Building Resilient Global Risk Programs in an Unstable World”. Register at RIMS.org/Webinars. [2:20] On with the show! It was such a pleasure to attend the RIMS Canada Conference 2025 in Calgary. There's always electricity in the air at RIMS Canada, and I wanted to capture some of it!  [2:33] We've got two interviews, and then an improvised session I recorded at the DE&I Studio. The sound came out great, and I used it here with the panelists' permission. [2:49] We've got excellent education and insight for you today on RIMScast! My first guest is Eddie Tettevi. He is the Chief Risk Officer at Sandbox Mutual. He's a very active member of the Saskatchewan RIMS Chapter and a member of the RIMS Canada Council. [3:11] We're going to talk about his risk management career, his RIMS involvement, and how his insights from one of his RIMS DE&I sessions led to this discussion. [3:24] First Interview! Eddie Tettevi, welcome to RIMScast! [3:38] Eddie is the Chief Risk and Compliance Officer at Sandbox Mutual Insurance. He's also the Corporate Secretary, which means he helps the organization navigate strategic initiatives within the boundaries of risk appetite and regulatory compliance. [4:12] Eddie has been at Sandbox for approximately two years. When he joined the company, Sandbox was going through a period of rapid growth and taking the right risks. That was something Eddie looked forward to being involved in. [4:54] The CRO role was not an independent role at Sandbox before Eddie started. It was held by the Chief Financial Officer. The CCO role was held by HR. The Corporate Secretary role was held by the CEO. Eddie fills the three roles in his new position. His background fits all three roles. [6:06] Eddie normally leads a risk group of three. Eddie was previously in cyber for 13 or 14 years. His background is in electrical engineering and computer science. He helped organizations secure their software and network. [7:02] Eddie doesn't think risk management is any different. He's helping organizations make the right decisions. The difference is that the portfolio is much larger. Cybersecurity is one aspect of Eddie's risk management work. [7:33] Eddie says cyber attacks are growing. Individuals who may not be skilled are using AI tools to perpetrate cyber attacks. The attacks are increasing exponentially in skill and sophistication. [8:09] Eddie co-hosted a session in the DE&I Studio with Aaron Lukoni and Tara Lessard-Webb, focused on understanding how mental health plays a part in risk management and how organizations should think about mental health as part of a risk management framework. [8:31] The session was “Building Resilient Workplaces, the Role of Mental Health in Risk Management.” In it, Eddie revealed he is skilled in multiple languages, but an expert in none, including English. He grew up with influences from English, French, Malay, and Creole Patois. [9:38] Eddie loves learning about new cultures. That has influenced his accent. In every language he speaks, he has an accent, which makes it interesting. He has worked in French and English organizations. He learns languages in six months. He picks them up quickly. [10:50] Eddie, Aaron, and Tara emphasized making sure we are thinking about and embedding mental health in our risk framework. [11:02] When designing any strategies and initiatives, risk professionals should consider what's happening in the organization. An organization going through a lot of change is already a stressed organization. You have to consider that as you introduce more change. [11:40] Eddie says the award-winning Saskatchewan RIMS Chapter is exciting. It's great to work with people who are interested, dedicated, and committed. He says the chapter is doing some incredible things, such as introducing risk courses into the universities in the province.  [12:15] Eddie was a RIMS member before joining Sandbox. You can be a RIMS member without joining a chapter. Moving to Saskatoon created the opportunity for Eddie to join the Saskatchewan RIMS Chapter, which he had been looking forward to, to connect with people. [12:36] Justin gives shoutouts to various Saskatchewan Chapter members. [13:03] Eddie serves on the RIMS Canada Council as Chair of the Communications, External Affairs, and DEI Committee. [13:22] The committee is responsible for making sure that all RIMS communications have a DEI lens and advocate for the risk community, partnering with other advocacy groups around Canada. [13:52] Justin says it's been such a pleasure to meet you and hang out with you! I look forward to seeing you at more RIMS Canada and RIMS events. [14:02] Our next guests organized the 2025 C2C Coast to Coast Challenge. This is a competition for risk management students based in Canada. We'll learn about the case studies and what it took to produce their presentations, and also have a chance to acknowledge the winners. [14:19] We will hear from Shaun Sinclair, the Program Head of General Insurance and the Risk Management Program at British Columbia Institute of Technology, and Janiece Savien-Brown, the Manager for Risk and Claims Management at Metro Vancouver. [14:35] We're going to learn about their various roles, as well. Let's get to it! [14:39] Second Interview! Shaun Sinclair and Janiece Savien-Brown, welcome to RIMScast!  [14:47] Janiece Savien-Brown is the Manager of Risk and Claims Services with Metro Vancouver by day. She has been involved with BCRIMA for 17 or 18 years. BCRIMA started the Coast 2 Coast Legacy Challenge three years ago. Last year was its first year in Vancouver. [15:07] Shaun Sinclair is the Program Head of the General Insurance and Risk Management Program at BCIT, an institute of technology in Vancouver and Burnaby, B.C. [15:17] They teach students insurance and risk management courses. Students graduate with a CRM and a Chartered Insurance Professional designation. [15:26] Shaun is also the President of BCRIMA this year. He has been a BCRIMA member for a long time. This C2C Legacy Challenge was awesome for Shaun because two teams from BCIT got into the finals. Shaun had to recuse himself.  [15:51] Janiece says the RIMS Canada Conference 2025 was fantastic! Shaun was there with seven students, and it was awesome to see what they were learning. The students told Shaun they loved everything about it. [16:45] The two finalist teams were The Deductibles and Insure and Conquer. This year's submissions were highly creative and impactful. [17:10] Shaun has been involved in Risk Management Challenges for years and has been to the nationals several times with groups. Shaun stays pretty hands-off. The students get the challenge, and Shaun discusses it with them. He figures out what they need from him to do it. [17:42] In this case, a root cause analysis wasn't needed. They learned how to do a Failure Mode and Effects Analysis (FMEA), a heat map, and gather general knowledge. Then he let them go. They came up with the 10-page report. He didn't watch their presentation until they went live. [18:14] Their champion for the challenge was Ken Letander. The challenge was a procurement question. If your organization's ownership is 51% Indigenous, and you keep your staff 33% Indigenous, money comes your way for contracts. [18:48] When the contract is over and it's time to get the money, but the organization refuses to give that information, how do you make sure they have the 33% Indigenous staff and 51% Indigenous ownership? Do you need pictures, or can you use Elders to say it's enough? [19:12] The students had to read a lot about risk and the rules and regulations regarding this question. They had to read the Canadian government's language on what the rules are. It was an interesting case. [19:38] Janiece didn't envy them at all. The students came up with some solutions for Ken Letander, and he was thrilled with what came from all of the reports. [20:33] Janiece says the presentations were phenomenal from both teams, as well as the written submissions. The collaboration came through and showed they owned the essence of the project. You could see the desire of the top team to make it work. [21:12] Shaun says the cases used in C2C are pretty much real cases. Janiece says last year's case competition had to come up with an equitable access tool to use in the system. After Janiece had surgery, she was given a survey, and she recognized it from the case study. [22:26] Justin says it's great that the students collaborate. You need teamwork. [22:54] Shaun says you hear a lot about isolation. He says BCIT is sometimes called “Being Crammed Into Teams.” Shaun and the other teachers assign projects where students are forced to work with at least three or four people. [23:13] After two years of group projects, collaboration is relatively easy. Shaun also makes the students hand-write their exams. They learn how to think through a problem and put it down on paper. Afterward, they go outside and talk about what they did. [24:52] Shaun's advice to academics and students entering a C2C challenge is to follow the rules. If they say 8-point font, 10-page maximum, don't send 14 pages. The instructor should help students understand the material and then step back. Let the students do it. It's on them. [25:42] Janiece says it is key to engage at the conference. While the Challenge is the key feature, the experience at the RIMS Canada Conference is a large part of it. Be present. Don't be on your phones the whole time. Attend sessions. Come to the events, have fun, and network. [26:07] Janiece was at an event, and five people came up to her and asked if she had brought the BCIT students (Shaun had). [26:22] People were absolutely amazed at how engaging the students were, willing to put themselves out there, and setting meetings with people in BC for opportunities when they come back. That's part of the experience. [26:40] Shaun points out that a couple of the students are quite shy and have come out of their shells because they've had to talk to people. The more you do it, the better you get at it. [27:01] Janiece reports that at one of the events, the students who were in Vancouver from Calgary came out and met with her students. RIMS, RIMS Canada, and the local chapter promote engagement. [27:31] The 2025 C2C Challenge Calgary winner is The Deductibles, 1.95 points ahead of Insure and Conquer. Insure and Conquer did an awesome job as well. [28:11] The Deductibles team is: Rabia Thind, Triston Nelson, and Ryan Qiu. [28:32] Parting advice for risk students as they step into their careers: Shaun says, if you're going to be an accountant or finance student, think about insurance risk management. Amazing career opportunities in fields that cover everything are all within your grasp. Put it on your radar. [29:26] Janiece says she is living proof of that. She was going to be an accountant. After a car accident, she switched to insurance and risk. It's a lifestyle. She has gained many friends, colleagues, and mentors. She started as an adjustor and after 31 years, she's still in the industry. [29:54] Shaun says you can swap jobs from broker to underwriter, to claims, to risk manager, to education, and not start again at the bottom. It's an amazing career. [30:26] Justin says Thank you so much, it's been such a pleasure to reconnect with you here at the Telus Convention Center in Calgary, for RIMS Canada Conference 2025. Shaun and Janiece are already thinking about the C2C Challenge in 2026. We'll see you there! [30:51] As I said at the top, we're going to close things out with an improvised session called “Intentional Mentorship,” which was produced at the DE&I Studio. [31:19] Improvised Session, “Intentional Mentorship,” at the DE&I Studio! With the insights of Dionne Bowers, the Cofounder and Chair of CABIP, Ray Chaaya, the Head of Talent at Zurich Canada, and Natalia Szubbocsev of Appraisals, International. Please enjoy! [31:40] Natalia Szubbocsev introduces the panel. Natalia is the Executive Vice President at Appraisals, International, an insurance appraisal company, global but small, with a diverse, inclusive team. Natalia has been a mentee and a mentor and is glad to contribute her insights. [32:38] Dionne Bowers is the Co-founder and Chair of the Canadian Association of Black Insurance Professionals, a nonprofit organization, and has recently joined Markel Canada as one of their business development Colleagues. [32:57] Ray Chaaya is head of talent for Zurich Canada. Ray oversees talent acquisition, talent development, and talent management, as well as the culture portfolio for the company, DEIB, and community impact. [33:15] Natalia asks What does mentorship, particularly inclusive or intentional mentorship, mean for you? Dionne says that it is a strong commitment by both the mentor and the mentee to work together for growth opportunities. [33:38] Intentional mentorship is the dedication that each party has to bring to the table, and fulfilling any sort of mandates that have been asked by both. Depending on the program, it's making sure that everyone is on the same page in terms of what they want from each other. [34:04] Ray agrees with Dionne. There has to be a mutual benefit. Ray has been a mentee and a mentor, and finds that the most valuable mentorship relationships are where the mentor and the mentee walk away feeling like they're learning something every day, having a conversation. [34:30] Ray says it's a two-way street and a relationship that can often last for years, because it is a relationship where the value is long-term. Ray talks to young people, and they ask, You're my mentor, what do I do? It doesn't work that way. It's a long-term investment. [34:56] Natalia says that traditional mentorship, besides being one of the best ways of professional development, is also to transfer knowledge from someone who has the experience to someone junior in his or her role. What other purpose does mentorship serve? [35:19] Dionne says it's also recognizing that it's an opportunity for learning from one another. A mentor is a seasoned insurance professional who is working with someone who is a new entrant to the industry. [35:37] It's recognizing that a mentor and a mentee are learning from each other. Strength in development is making sure that you are taking away something from each other, each time you meet, connecting and learning trends and thoughts, and diversity of thought. [36:10] Dionne asks, How can we do things differently? She has learned a lot from young people. Dionne thought she was cool, but apparently, she's not. And she's just taking away a lot of that into her own world, professionally and personally. [36:23] Natalia says her experiences are not just intergenerational, but in Canada and beyond, intercultural. She says what needs to be respected and adapted to, both by the mentor and the mentee, is that you're coming from different backgrounds. [36:45] In a global setting, that will affect communication, that will affect the thought processes, that will affect everything; the way we do things. Because Natalia leads a global team, she has to be adaptable, sensible, and respectful of the cultural nuances. [37:07] At the same time, she asks her mentees or team to do the same for her, because she comes from a very specific background. She has an Eastern European background. It doesn't matter that she's lived in Canada for 25 years. [37:25] Her background defines the way she communicates, thinks, and handles things. Every culture communicates differently. That's an overall mutual understanding, knowing that we all come from different backgrounds. [37:47] Dionne says there has to be a willingness to learn. There's no point in having a mentor-mentee relationship where it's just going to be closed off, and this is what we're going to talk about. There has to be a willingness to learn. [38:07] Ray says there's a learning agility piece. You have to be flexible in how the relationship is going to go. Every mentorship relationship is different, too. There are no steps on how to be a good mentor or a good mentee. [38:25] It's the chemistry between the two, the value that you bring to each other, and the conversations. The maturity of a mentorship can also go into sponsorship. [38:37] When Ray has a conversation with somebody, and they get to know each other, and feel what they want to get out of this, he can be a voice for that person. It goes back to the conversation of lifting others when you can. [38:54] When Ray thinks back to his mentors who stick out in his mind. He has a lot of respect for them. They are the people who spoke about him when he was not in the room, and had his back in that room when he was not there. [39:15] Those are the people, as Ray matures in his career, he doesn't know that he would be here today if it weren't for those mentors. And that is what he hopes he can bring to somebody else as a mentor. [39:29] Natalia says, in a global setting where she works, boosting confidence is very important. In a multicultural global setting, it's important to encourage someone in a different country, who communicates differently, that it doesn't matter, they can do it. [39:50] We are working on a common goal. That's part of the sponsorship/mentorship/training. [40:08] Ray says you have to be honest as a mentor. The toughest times for Ray were when he realized he was trying to make this work for a person, but to be honest with himself, as a mentor, he should be encouraging this person to look somewhere else, at what their passions are. [40:33] He went into it thinking he wanted this person to be the best they could be at this job. And he realized that's not his job as a mentor. [40:43] His job is to understand what they want out of their career, where they bring value, where their passion is, and guide them to make sure that they ultimately are happy with their career, and they're bringing value to society, and they're contributing to the community. [41:06] One specific person Ray was mentoring, he was desperate to fit them into the insurance industry, because that's how he was programmed. He was thinking, Why is this not working? And he realized it's not working because they don't want to do this. [41:25] And as a mentor, Ray's job now is to say, What do you want to do, and let's help you get there. And when he made that mind shift, it just clicked. That was a little bit of a learning opportunity. Now he's a better mentor for learning that. [41:42] Dionne agrees with that. She had one mentor who told her, If you plan to give back as a mentor, don't have any expectations, or you're setting yourself up for failure. [42:05] A lot of mentors have a similar approach, because we don't know. We want it so badly. We want to be able to say, I did that. I helped them get to wherever. If you have a mentee who is not in the mindset, and you're not sure that this is for them, have that conversation. [42:38] It's important to recognize that you're going to impact their lives differently. Even though you have that mentor-mentee relationship, you may be asking them to reconsider dipping their foot into the industry. [42:55] Natalia says not making assumptions about the other person and having that curiosity, openness, and mutual communication is very important. [43:05] How do you build in mentorship or inclusive or intentional mentorship into your organization? Ray says mentorship programs should be part of any industry, any corporation, or any organization. If you expect people to learn and grow, they need mentors. [43:30] Ray says Zurich has baked in mentorship programs into a lot of its development programs. Your development means you get a mentor, and you learn from that mentor. They bake it into the development strategy that's already there, and don't make it an off-site thing. [43:57] It shouldn't be another thing; it should just be part of your growth and development. And so, whenever they can bake it in, that's what Zurich does. [44:04] Zurich also has amazing employee resource groups that champion a lot of its programs, and the Zurich African and Caribbean Alliance, ZACA, which has worked with KBIP, is a massive champion of its mentorship program. [44:19] Just two or three months ago, Zurich held a mentorship day and increased the mentors on its mentorship platform by 48%. It was just another thing that was out there that nobody was talking about, and another thing people had to sign up for. [44:39] Zurich's employee resource group put a spotlight on it, and they showed the value, and they made it part of the ERG's culture to participate in mentorship. Then all of those ERG participants signed up to be mentors, and now are actively mentoring. [45:00] You really need to look at it from a strategy perspective. It can't just be an extracurricular activity that you add on. [45:08] Dionne agrees. KBIP works with organizations like Zurich, and with the ZACA program and the team, but also does the work for organizations that are not there yet or not willing to put the extra effort in to embed it into the DNA of the organization. [45:33] Part of KBIP's mandate is to create a mentorship program specific to Black insurance professionals. It doesn't matter where you're from, international or domestic student, or anyone who wants to be part of the organization and get extra support to build on their career trajectory. [46:02] What do mentors get out of mentorship? Dionne says as a mentor, she gets satisfaction from seeing someone excel, not necessarily from start to finish. You could be at the tail end of their journey, you could be at the beginning, or you could be in the middle. [46:36] If there is a desired outcome for both parties, and there's success, when someone calls you or texts you and says, You know what, I got that job, or I was recognized for doing XYZ, that is satisfaction. That is success. [47:00] Ray says his passion is helping people grow and develop. He started his HR career in learning and development, because he used to be intrinsically rewarded when he saw somebody learn something he taught them, or he trained them on. That felt like a superpower. [47:21] When Ray can do that with the programs Zurich runs, and he interviews people and watches their growth, and they are so grateful; to Ray, that is worth it all. You don't even have to pay him for that. He will volunteer and do that his entire life because of what he gets out of it. [47:47] Natalia agrees. There are obvious advantages from an organizational point of view, but from an individual point of view, Natalia feels that she has arrived at a point where there's no ego anymore. She wants to transfer her knowledge to someone. [48:04] Natalia wants to tell someone that they can do it. Because she did it, they can do it as well. And that's a very important aspect of mentorship. [48:15] How do you make mentorship intentional and inclusive? Ray says it means they have to see the value. It has to be part of the business strategy. Anything that is not intentional, people think, Why do I have to do this, on top of everything else that I need to do? [48:36] The second we are making it intentional, it has to make sense. This is why I'm doing this, because it's going to benefit me, it's going to benefit the company, and it's going to benefit the people I'm impacting. [48:47] They have to see the strategic business value, and with mentorship, it's easy. Because there's massive value for the organization, there is a massive competitive edge if you're doing it properly, and there is massive learning and development for your workforce. [49:05] You just need to sit down with professionals like KBIP, with people who have thought through it, and understand how to help you bake it into the strategy. Just do the work. Anything intentional has to make sense. If it does not make sense, it can't really be that intentional. [49:28] Dionne says that in every organization, when you are constructing your missions and your value statements, it's sitting down as an executive team, and asking, How can we execute on this? What does that mean? Mentorship is something that bleeds into your brand. [49:57] The brand recognition from a competitive edge standpoint is huge. Dionne says she can walk into a school for outreach programs and say, Zurich is a market of choice. You would want to work with Zurich because of this, this, and this. [50:14] If you can tell them that they're going to be supported along the way with their career, that's added value. That is something that will definitely differentiate Zurich in the marketplace. [50:26] Dionne adds that being intentional is huge because when you are not, people can see right through that. That is where you create toxic cultures. [50:39] It's not in a company's best interest to ignore the opportunities that stem from mentorship programs. [50:47] Natalia says she's not an HR professional, but she imagines that mentorship has a great role in not just attracting the right talent, but in retention as well. [50:58] Ray affirms, 100%. It's part of your growth and development. Sure, you can use it as a competitive edge to attract people, but if you're not doing it right, then they're not going to develop and grow, and that competitive edge is really just smoke and mirrors. It's not real. [51:15] So, if you're going to do it right, you have to develop people and grow people through your mentorship programs, and you have to show the results for it. [51:26] Dionne adds, That speaks to the inclusivity part of diversity, equity, and inclusion. If you can build a strategy that equates to inclusion, it equates to retention. It's not rocket science.  [51:49] Ray says Zurich is really good at that. [51:52] Final thoughts on intentional mentorship. Dionne says, “Just do it. I'm a Nike gal. Just do it.” [51:59] Ray says, “I wouldn't be where I am in my career if it weren't for my mentors and my sponsors. And so, if you see potential, mentor the heck out of that potential, because they will thrive.” [52:15] Dionne says, “And acknowledge it. I think that's a big part of that strategy.” [52:21] Natalia thanks Ray, Dionne, and the RIMS DE&I Studio for picking up this topic, a very important topic, and she hopes you enjoyed the session. [52:38] Justin says special thanks again to all of our guests here at the RIMS Canada Conference 2025. Be sure to mark your calendars for October 18th through the 21st, 2026, for RIMS Canada, which will be held in Quebec City. [52:55] Shout out to the RIMS Canada Council for producing another fantastic conference and to the RIMS Events Team and all my RIMS colleagues who worked tirelessly to make the last three days so smooth. It's such a pleasure to work with you all. I look forward to seeing you next year. [53:14] Plug Time! You can sponsor a RIMScast episode for this, our weekly show, or a dedicated episode. Links to sponsored episodes are in the show notes. [53:43] RIMScast has a global audience of risk and insurance professionals, legal professionals, students, business leaders, C-Suite executives, and more. Let's collaborate and help you reach them! Contact pd@rims.org for more information. [54:02] Become a RIMS member and get access to the tools, thought leadership, and network you need to succeed. Visit RIMS.org/membership or email membershipdept@RIMS.org for more information. [54:19] Risk Knowledge is the RIMS searchable content library that provides relevant information for today's risk professionals. Materials include RIMS executive reports, survey findings, contributed articles, industry research, benchmarking data, and more. [54:35] For the best reporting on the profession of risk management, read Risk Management Magazine at RMMagazine.com. It is written and published by the best minds in risk management. [54:50] Justin Smulison is the Business Content Manager at RIMS. Please remember to subscribe to RIMScast on your favorite podcasting app. You can email us at Content@RIMS.org. [55:02] Practice good risk management, stay safe, and thank you again for your continuous support!   Links: From RIMS Canada: “RIMS Ontario Chapter Honours Bombardier's Daniel Desjardins with the 2025 Donald M. Stuart Award” RIMS ERM Conference 2025 — Nov. 17‒18 Spencer Internship Program — Registration Open Through Oct. 15. RIMS Western Regional — Oct 1‒3 | Bay Area, California | Registration open! RISKWORLD 2026 — Members-only early registration through Sept 30! RIMS-Certified Risk Management Professional (RIMS-CRMP) The Strategic and Enterprise Risk Center RIMS-CRO Certificate in Advanced Enterprise Risk Management — Featuring Instructor James Lam! Next bi-weekly course begins Oct 9. RIMS Diversity Equity Inclusion Council RISK PAC | RIMS Advocacy | RIMS Legislative Summit SAVE THE DATE — March 18‒19, 2026 RIMS Risk Management magazine | Contribute RIMS Now RIMSCanadaConference.ca RIMS Webinars: RIMS.org/Webinars “Natural Hazards: A Data-Driven Guide to Improving Resilience and Risk Financing Outcomes” | Oct. 9 | Sponsored by Global Risk Consultants “Jury Dynamics: How Juries Shape Today's Legal Landscape” | Oct. 16, 2025 | Sponsored by Zurich “Parametric Insurance: Providing Financial Certainty in Uncertain Times” | Oct. 30, 2025 | Sponsored by Swiss Re “Geopolitical Whiplash — Building Resilient Global Risk Programs in an Unstable World” | Nov. 6 | Sponsored by Hub   Upcoming RIMS-CRMP Prep Virtual Workshops: RIMS-CRMP-FED Exam Prep Virtual Workshop — November 11‒12 Full RIMS-CRMP Prep Course Schedule Risk Appetite Management | Oct 22‒23 | Instructor: Ken Baker “Intro to ERM for Senior Leaders” | Nov. 4‒5 | Instructor: Elise Farnham “Fundamentals of Insurance” | Nov. 11‒12 | Instructor: Chris Hansen “Leveraging Data and Analytics for Continuous Risk Management (Part I)” | Dec 4. See the full calendar of RIMS Virtual Workshops RIMS-CRMP Prep Workshops   Related RIMScast Episodes with 2025 RIMS Canada keynotes: “Distilling Risk and Resilience with Manjit K. Minhas” “On Resilience with Amanda Lindhout” “Thoughts and IDEAs on Inclusivity with Michael Bach”   Sponsored RIMScast Episodes: “The New Reality of Risk Engineering: From Code Compliance to Resilience” | Sponsored by AXA XL (New!) “Change Management: AI's Role in Loss Control and Property Insurance” | Sponsored by Global Risk Consultants, a TÜV SÜD Company “Demystifying Multinational Fronting Insurance Programs” | Sponsored by Zurich “Understanding Third-Party Litigation Funding” | Sponsored by Zurich “What Risk Managers Can Learn From School Shootings” | Sponsored by Merrill Herzog “Simplifying the Challenges of OSHA Recordkeeping” | Sponsored by Medcor “Risk Management in a Changing World: A Deep Dive into AXA's 2024 Future Risks Report” | Sponsored by AXA XL “How Insurance Builds Resilience Against An Active Assailant Attack” | Sponsored by Merrill Herzog “Third-Party and Cyber Risk Management Tips” | Sponsored by Alliant “RMIS Innovation with Archer” | Sponsored by Archer “Navigating Commercial Property Risks with Captives” | Sponsored by Zurich “Breaking Down Silos: AXA XL's New Approach to Casualty Insurance” | Sponsored by AXA XL “Weathering Today's Property Claims Management Challenges” | Sponsored by AXA XL “Storm Prep 2024: The Growing Impact of Convective Storms and Hail” | Sponsored by Global Risk Consultants, a TÜV SÜD Company “Partnering Against Cyberrisk” | Sponsored by AXA XL “Harnessing the Power of Data and Analytics for Effective Risk Management” | Sponsored by Marsh “Accident Prevention — The Winning Formula For Construction and Insurance” | Sponsored by Otoos “Platinum Protection: Underwriting and Risk Engineering's Role in Protecting Commercial Properties” | Sponsored by AXA XL “Elevating RMIS — The Archer Way” | Sponsored by Archer   RIMS Publications, Content, and Links: RIMS Membership — Whether you are a new member or need to transition, be a part of the global risk management community! RIMS Virtual Workshops On-Demand Webinars RIMS-Certified Risk Management Professional (RIMS-CRMP) RISK PAC | RIMS Advocacy RIMS Strategic & Enterprise Risk Center RIMS-CRMP Stories — Featuring RIMS President Kristen Peed!   RIMS Events, Education, and Services: RIMS Risk Maturity Model®   Sponsor RIMScast: Contact sales@rims.org or pd@rims.org for more information.   Want to Learn More? Keep up with the podcast on RIMS.org, and listen on Spotify and Apple Podcasts.   Have a question or suggestion? Email: Content@rims.org.   Join the Conversation! Follow @RIMSorg on Facebook, Twitter, and LinkedIn.   About our guests: Eddie Tettevi, Sandbox Mutual Insurance CRO RIMS Canada Council Chair — DEI and Comms Janiece Savien-Brown, Metro Vancouver Shaun Sinclair, BCIT "Intentional Mentorship" improvised session from the DE&I Studio, featuring: Dionne Bowers, Co-Founder & Chair of the Canadian Association of Black Insurance Professionals (CABIP); Ray Chaaya, Head of talent for Zurich Canada; Natalia Szubbocsev, Executive Vice President at Appraisals International Inc.    Production and engineering provided by Podfly.  

Marriage is often viewed through the lens of love, commitment, and partnership, but it is also a significant financial contract that can have profound implications on your financial future.  In this Insure your Future Money Bootcamp Maya Fisher-French and Mapalo Makhu interview attorney and mediator Lerato Seroke about the financial and legal implications of your marriage contract. This knowledge could save you from devastating financial consequences down the line. Many people believe that living together for a long time constitutes a common law marriage, but as Lerato explains, this is a myth.  In South African law, common law marriage does not exist, and this misconception can expose couples to various financial risks. Without a legal marriage, partners may forfeit crucial benefits such as inheritance rights, spousal maintenance, and pension claims.  The episode explores the three valid forms of marriage in South Africa: civil marriage, civil union, and customary marriage. Each type has its own legal implications, particularly concerning financial responsibilities and rights. For instance, a civil marriage requires registration, while a customary marriage does not. This distinction can lead to complications, especially in cases of divorce or death.  Listeners will learn about the importance of keeping thorough records to validate a marriage, particularly in customary arrangements where formal documentation may be lacking. Lerato emphasises that individuals should document everything from lobola negotiations to communications with family members to protect their interests. The discussion also covers the different marriage regimes, including in community of property and out of community of property, with and without accrual.  These distinctions are crucial for understanding how assets and debts are managed within a marriage. For example, being married in community of property means that both partners share liabilities, which can lead to financial vulnerability. Mapalo shares her personal experience of choosing to marry out of community of property without accrual, emphasising the empowerment that comes from financial independence. This decision allows her to build her own assets while still collaborating with her partner on shared financial goals.  It's crucial to approach discussions about marriage contracts not as a sign of distrust but as a way to protect each other and build a solid financial future together. This episode is a must-listen for anyone considering marriage or currently in a long-term relationship. It provides valuable insights into how to safeguard your financial interests and ensure that both partners are protected. Tune in to gain a deeper understanding of marriage contracts and their implications for your financial health.

Nextech3D.AI has taken another step forward in expanding the capabilities of its Map D event management platform, announcing a strategic partnership with Vertical Insure to integrate embedded exhibitor insurance directly into the platform. CEO Evan Gappelberg shared the news with Steve Darling from Proactive, highlighting how this innovation delivers both a seamless, one-stop solution for organizers and participants while also creating a new, high-margin, pure-profit revenue stream for the company. Gappelberg explained that every exhibitor at a live event—whether a trade show, conference, or expo—requires insurance coverage. Until now, obtaining that insurance has typically been a separate and manual process, creating delays, extra costs, and compliance challenges for both exhibitors and event organizers. By embedding Vertical Insure's offering directly into Map D, exhibitors will now be able to purchase the required insurance instantly during the registration process, eliminating friction and simplifying operations. Map D already powers more than 500 events annually, supporting over 10,000 exhibitors worldwide. This existing scale creates an immediate and significant opportunity to monetize the new offering. By embedding insurance directly into the registration and event management workflow, Nextech3D.AI is not only improving user convenience but also unlocking a recurring, high-margin revenue stream that enhances the company's financial profile from day one. Gappelberg noted that the new partnership exemplifies Nextech3D.AI's strategy of leveraging its core event technology ecosystem to introduce adjacent services that add value for customers while driving incremental profits. With insurance now seamlessly integrated into Map D, the company is positioned to capitalize on both its existing event footprint and the growing demand for streamlined digital event solutions. #nextech3d.al #otcqx #nexcf #cse #ntar #EvanGappelberg #ARway #AugmentedReality #SpatialMapping #IndoorNavigation #MapDynamics #EventTech #TradeShowSolutions #TechStocks #ARRevenueGrowth #3DTechnology #ProactiveInvestors #aws #amazonwebservice #tickets #livenation

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

Send us a textToday we have a really good conversation on changing the way you think about money, what it means to do the illogical, how I have held myself back from success, what I do to INSURE my results and more!Your content deserves a bigger stage—this is how you get it. Join The Growth Zone: https://brittney-ceo.mykajabi.com/offers/kFcGLn9D/checkoutJoin my NEW subscription on Instagram: https://www.instagram.com/brittneyceo/Join The Luxury Of It All: https://www.brittneyjonesceo.com/luxuryofitallGet My 7 Figure Guide: https://brittney-ceo.mykajabi.com/offers/fbKnBwSM/checkoutGet my FREE weekly biz babe moves straight to your inboxhttps://view.flodesk.com/pages/624b64b2a15594c239cada7bJoin my Facebook Grouphttps://www.facebook.com/groups/131279237732613Follow me on Ig @brittneyceo for my daily life, hot biz tips, and morehttps://www.instagram.com/brittneyceo/

This week's episode of America on the Road brings two all-new models to the forefront, both playing in dramatically different corners of the automotive spectrum — the 2025 Mazda CX-5 and the 2026 Hyundai Ioniq 9. Mildly refreshed for 2025, the CX-5 is a compact SUV that continues to punch above its weight with upscale styling, responsive driving dynamics, and an even more premium interior this year. Mazda hasn't radically altered the CX-5's formula, but the updates include a sleeker front fascia, more tech inside, and a Carbon Edition trim that hits the sweet spot between luxury and value. During his weeklong road test of the SUV, Host Jack Nerad spent a weekend putting the fun-to-drive CX-5 through its paces over the twisty roads of eastern San Diego County, where it proved once again why it's a perennial favorite among compact SUV shoppers and car journalists alike. On the other end of the spectrum is the 2026 Hyundai Ioniq 9, an all-electric three-row SUV that aims directly at the heart of the American family vehicle market. Built on Hyundai's E-GMP platform, the Ioniq 9 is large, loaded, and luxurious, with a spacious interior and cutting-edge technology. Guest co-host Matt DeLorenzo breaks down how this EV stacks up on the road, particularly in terms of range, ride comfort, and usability for larger families. Is this the long-awaited Tesla Model X alternative? Tune in to find out. This week's special guest is Frank Hanley, Senior Director at J.D. Power. He joins the show to talk about the latest findings from the J.D. Power Initial Quality Study, with a particular focus on how quality benchmarks are shifting in 2025. Hanley shares insights on which automakers are hitting the mark and which are falling behind as new tech becomes standard and customer expectations continue to rise. Driving News Ford's $5 Billion EV Gamble: Did the Revolution Fall Short? Promising a “Model T Moment,” Ford doubled down this week on battery-electric vehicles, announcing a$5 billion investment aimed at revitalizing its EV efforts after cooling enthusiasm and slower-than-expected sales. The new plan involves nearly 4,000 jobs and renewed focus on its Louisville Assembly Plant and BlueOval Battery Park in Michigan. GM Reboots Autonomous Ambitions After Cruise Meltdown
 In a surprising move, General Motors is reviving its self-driving initiative following the well-publicized issues with its Cruise autonomous vehicle operation closed down. The pivot includes a shift in leadership and a new business model that could either reset the playing field or repeat past mistakes. Mercury Insurance Names Most Affordable Cars to Insure for 2025
 Mercury Insurance has released its annual list of the most cost-effective vehicles to insure, revealing some surprises for value-conscious drivers. Chevrolet is among the brands that continue to rank highly thanks to its straightforward designs and strong parts availability. Dodge Muscles Up Durango for 2026 For 2026, Dodge is going full muscle by making a V8 standard across the entire Durango lineup, from the base GT to the 710-horsepower Hellcat. The new 5.7-liter HEMI in the GT delivers a big jump in power and towing, while the R/T now features the 475-horsepower 392 HEMI under $50K. At the top, the Hellcat returns with a Jailbreak customization package and retains its crown as the most powerful gas SUV ever built. Listener Question of the Week This week's listener question comes from Jinnie in Park City, Utah, who asks: ““I think my car needs some attention and I'm not sure what to do about it. Should I go to the dealership for service or find a local mechanic?” Jack and Matt share some practical advice, including the best times to go to a dealer and the best ways to find a good independent mechanic you can trust. Check Out Matt's Book: Pick up a copy of co-host Matt DeLorenzo's terrific new book How to Buy an Affordable Electric Car: A Tightwad's Guide to EV Ownership.

A winning strategy for Liberty Mutual is to have professionals with farming backgrounds serve in its farm and ranch division. It helps to understand your client's needs when you understand your client's lifestyle and daily reality. This 16-minute episode of The Edge of Risk Podcast by IRMI features Jenn Powell, farm and ranch senior territory manager, Liberty Mutual Insurance. This episode unpacks the challenges farmers face and the important work Liberty Mutual is doing to help protect the farmers' families and livelihood.

In this episode of the Cover Your Assets podcast, host Billy Gwaltney discusses the critical importance of disability insurance for physicians. He emphasizes that many physicians underestimate their risk of disability and the financial implications it can have on their lives. Gwaltney argues that even wealthy individuals, like Warren Buffett, recognize the value of insurance as a smart business decision to protect their most important asset—their ability to work. The conversation highlights the necessity of maintaining insurance coverage, even for those who are financially independent, to safeguard against unforeseen circumstances that could jeopardize their financial stability.Chapters(00:20) Welcome00:15 The Importance of Disability Insurance03:34 Understanding the Value of Insurance for PhysiciansThe Cover Your Assets Podcast is on a mission to help physicians like you get their disability insurance right. You've spent years of your life and hundreds of thousands of dollars to become a physician — this is the career that will give you and your family everything you've dreamed of! Don't let accidents, illness, or injury destroy your hard work and the life you deserve. You know you need to be insured, but how do you sort through the mountains of information when you barely have enough time to eat? On the Cover Your Assets Podcast, host Billy Gwaltney, head of Professional Planning Group, Inc., shows you exactly what you need to do to protect your income and way of life.For more tips and advice, connect with the CYA Podcast on YouTube and visit the Professional Planning Group online. Stay up to date with Billy on Facebook and LinkedIn.If you have questions, feedback, or just want to connect, email Billy at billy@ownoccdisability.com.

Most warranties aren't worth the paper they're written on.In a solar market defined by price pressure and disappearing installers, consumers are more skeptical than ever—and they're asking smarter questions. Who's responsible when something breaks? Will anyone answer the phone in 10 years? 5 years?In this live session, Nico Johnson sits down with Dean Chiaravallotti of Solar Insure at NABCEP 2025 to unpack how modern solar companies are rethinking service, liability, and the real value of a system warranty. Dean outlines the pitfalls of relying solely on manufacturer coverage—and why smart contractors are shifting to a proactive, financially backed model that keeps them competitive and customer-centric.This isn't just about insurance. It's about building trust at scale—and protecting your business in the long haul.Expect to learn:

In this episode of the Insure your Future Money Bootcamp, hosts Maya Fisher-French and Mapalo Makhu discuss the financial journey of one of Maya's mentees who is in the process of buying her first home. They share practical insights and personal anecdotes that highlight the importance of thorough financial planning before making such a significant purchase. Understanding the Costs of Homeownership Maya and Mapalo emphasise the importance of not rushing into homeownership and instead taking a calculated approach by evaluating current expenses and potential new costs. The mentee has been diligent in budgeting, ensuring she understands the costs of levies, utilities, and maintenance before making an offer on a property. Key Considerations for Homebuyers The hosts outline crucial factors to consider beyond personal budgeting. They stress the importance of obtaining levy statements and understanding the financial health of the body corporate, as well as the need for a home inspection to uncover potential issues before moving in. They also touch on the often-overlooked costs such as rates and taxes, which can come as a surprise to new homeowners. Navigating Mortgage Options Maya and Mapalo highlight the necessity of shopping around for the best mortgage rates, advising listeners not to be tied to their current bank. They discuss the benefits of using a bond originator and the potential for banks to offer 110% mortgages for first-time buyers, covering both the purchase price and additional costs. Final Thoughts Listeners are encouraged to run the numbers, consider all associated costs, and make informed decisions to ensure homeownership is a positive experience rather than a financial burden.  Join us for an insightful conversation that empowers you to take control of your financial future and make informed decisions on your path to homeownership.

Welcome to The Profitable Table with your host, Steven Toboroff, CEO of Woolco Foods! In this episode, Steven discusses the power of commitment and the importance of embracing new learning opportunities in August. Discover practical strategies for personal growth and prepare to make the most of the fourth quarter. Tune in for insights that could transform your path to success! Hosted on Acast. See acast.com/privacy for more information.

February 8th, 2025.

One of the GBD most popular episodes! Concert programming so your students will succeed and sound amazing, and Teaching the Rhythm Section and the Full Jazz Band. Oh, and what to do in that first concert! To gain access to all show notes and audio files please Subscribe to the podcast and consider supporting the show on Patreon - using the button at the top of thegrowingbanddirector.com Our mission is to share practical  advice and explore topics that will help every band director, no matter your experience level, as well as music education students who are working to join us in the coming years. Connect with us with comments or ideas Follow the show: Podcast website : Thegrowingbanddirector.com On Youtube The Growing Band Director  Facebook-The Growing Band Director Podcast Group Instagram @thegrowingbanddirector Tik Tok @thegrowingbanddirector If you like what you hear please: Leave a Five Star Review and  Share us with another band director!

Becca Rubenfeld, COO and co-founder of Anchor Watch, discusses the evolution of Bitcoin insurance and custody. She shares her personal journey to Bitcoin, insights on the economic implications of national debt, and how Anchor Watch addresses the need for insurance in the Bitcoin space. The conversation covers the technical aspects of Bitcoin custody, the claims process, and the costs associated with insurance policies. Becca also highlights the importance of custom solutions for companies and the future of Bitcoin insurance in corporate adoption.Takeaways

In the U.S., we insure most everything we sell. So why not trees? Today on the show why trees aren't insured like other crops, and what it would take to get that insurance with extreme weather events on the rise. Related episodes: When insurers can't get insurance (Apple / Spotify) For sponsor-free episodes of The Indicator from Planet Money, subscribe to Planet Money+ via Apple Podcasts or at plus.npr.org. Fact-checking by Tyler Jones. Music by Drop Electric. Find us: TikTok, Instagram, Facebook, Newsletter. Learn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy

Episode 4: The psychology behind ignoring weather warnings Relebogile Mabotja speaks to Dr Khosi Jiyane a Clinical Psychologist from Human Edge unpacking the psychology behind why people sometimes ignore warnings, and what we be done to change it. 702 Afternoons with Relebogile Mabotja is broadcast live on Johannesburg based talk radio station 702 every weekday afternoon. Relebogile brings a lighter touch to some of the issues of the day as well as a mix of lifestyle topics and a peak into the worlds of entertainment and leisure. Thank you for listening to a 702 Afternoons with Relebogile Mabotja podcast. Listen live on Primedia+ weekdays from 13:00 to 15:00 (SA Time) to Afternoons with Relebogile Mabotja broadcast on 702 https://buff.ly/gk3y0Kj For more from the show go to https://buff.ly/2qKsEfu or find all the catch-up podcasts here https://buff.ly/DTykncj Subscribe to the 702 Daily and Weekly Newsletters https://buff.ly/v5mfetc Follow us on social media: 702 on Facebook https://www.facebook.com/TalkRadio702 702 on TikTok: https://www.tiktok.com/@talkradio702 702 on Instagram: https://www.instagram.com/talkradio702/ 702 on X: https://x.com/Radio702 702 on YouTube: https://www.youtube.com/@radio702 See omnystudio.com/listener for privacy information.

Text us here! Hershall, all I can say is buckle up for this one... We went longer than normal but there was no good stopping place. The competition was palpable (big word for felt) in studio 18. Speaking of felt, that's exactly what was brought up during a long rant about being insured by our Deacon Dustin... yeah, roofing felt! I think that is the first time tha was been discussed on the trash-cast. We enjoyed a new segment of wrong answers called "Riffin' on the Road" that has promises of gaining all sorts or new ways into the vacuum of the mind of Gen Z Boy, Brooks. He also shared an uncomfortable moment for me as a minister in a local electrical supply store. We had a long fought-out Tune battle in the end. All of this was with our morphed (big word for combined and changing) friend Breadly Cottrell. You can see all of this on video for a small fee... just visit our Support link and Enjoy! Support the showConnect with us at https://www.podnme.org/https://youtube.com/@devinbirdsongEmail devin@podnme.orgFollow us on Instagram @podn_mePersonalities on Pod'N MePastor: Devin BirdsongDeacon: Dustin WakleySongleader: Brad CottrellHershall: Jud IngramNews Anchor, Dink Burbank: Josh SmithGen Z Boy: Brooks Birdsong

Episode 3: Unpacking why people brush off weather warnings, how our thinking plays a role Relebogile Mabotja speaks to Dr Tshepiso Matentjie an Educational Psychologist and Life Coach, Matentjie Consulting unpacking why people brush off weather warnings, how our thinking plays a role, and what simple steps we can take to stay safe and avoid unexpected costs. 702 Afternoons with Relebogile Mabotja is broadcast live on Johannesburg based talk radio station 702 every weekday afternoon. Relebogile brings a lighter touch to some of the issues of the day as well as a mix of lifestyle topics and a peak into the worlds of entertainment and leisure. Thank you for listening to a 702 Afternoons with Relebogile Mabotja podcast. Listen live on Primedia+ weekdays from 13:00 to 15:00 (SA Time) to Afternoons with Relebogile Mabotja broadcast on 702 https://buff.ly/gk3y0Kj For more from the show go to https://buff.ly/2qKsEfu or find all the catch-up podcasts here https://buff.ly/DTykncj Subscribe to the 702 Daily and Weekly Newsletters https://buff.ly/v5mfetc Follow us on social media: 702 on Facebook https://www.facebook.com/TalkRadio702 702 on TikTok: https://www.tiktok.com/@talkradio702 702 on Instagram: https://www.instagram.com/talkradio702/ 702 on X: https://x.com/Radio702 702 on YouTube: https://www.youtube.com/@radio702 See omnystudio.com/listener for privacy information.

Episode 2: How weather events and insurance are connected Relebogile Mabotja speaks to Funeka Ngewu the Executive Head of Claims & Claims Support, Momentum Insure discussing how weather events and insurance are connected, the common misunderstandings consumers might have around weather alerts, and how simplifying the language could actually lead to better awareness and action. 702 Afternoons with Relebogile Mabotja is broadcast live on Johannesburg based talk radio station 702 every weekday afternoon. Relebogile brings a lighter touch to some of the issues of the day as well as a mix of lifestyle topics and a peak into the worlds of entertainment and leisure. Thank you for listening to a 702 Afternoons with Relebogile Mabotja podcast. Listen live on Primedia+ weekdays from 13:00 to 15:00 (SA Time) to Afternoons with Relebogile Mabotja broadcast on 702 https://buff.ly/gk3y0Kj For more from the show go to https://buff.ly/2qKsEfu or find all the catch-up podcasts here https://buff.ly/DTykncj Subscribe to the 702 Daily and Weekly Newsletters https://buff.ly/v5mfetc Follow us on social media: 702 on Facebook https://www.facebook.com/TalkRadio702 702 on TikTok: https://www.tiktok.com/@talkradio702 702 on Instagram: https://www.instagram.com/talkradio702/ 702 on X: https://x.com/Radio702 702 on YouTube: https://www.youtube.com/@radio702 See omnystudio.com/listener for privacy information.

Episode 1: Understanding and responding to severe weather warnings Relebogile Mabotja speaks to Rudolf Britz the Chief Actuary at Momentum Insure unpacking why people often don’t respond to severe weather warnings, what’s at stake when they don’t, and how to prepare with practical, safety-first tips, 702 Afternoons with Relebogile Mabotja is broadcast live on Johannesburg based talk radio station 702 every weekday afternoon. Relebogile brings a lighter touch to some of the issues of the day as well as a mix of lifestyle topics and a peak into the worlds of entertainment and leisure. Thank you for listening to a 702 Afternoons with Relebogile Mabotja podcast. Listen live on Primedia+ weekdays from 13:00 to 15:00 (SA Time) to Afternoons with Relebogile Mabotja broadcast on 702 https://buff.ly/gk3y0Kj For more from the show go to https://buff.ly/2qKsEfu or find all the catch-up podcasts here https://buff.ly/DTykncj Subscribe to the 702 Daily and Weekly Newsletters https://buff.ly/v5mfetc Follow us on social media: 702 on Facebook https://www.facebook.com/TalkRadio702 702 on TikTok: https://www.tiktok.com/@talkradio702 702 on Instagram: https://www.instagram.com/talkradio702/ 702 on X: https://x.com/Radio702 702 on YouTube: https://www.youtube.com/@radio702 See omnystudio.com/listener for privacy information.

This is the final programme in our Filling The Funding Gap series - and I'm investigating the role of insurance. We'll look at how extreme weather is driving farm losses and ask what can be done to mitigate the risks - and we'll consider the role of insurance in supporting different kinds of natural capital market.ffinlo Costain is joined by Rory Gibson, regional director for Howden Insurance in Perth in Scotland.Farm Gate's Filling the Funding Gap series, is sponsored by Barclays, Environment Bank, Forest Carbon, Howdens Insurance, Regenerate and Saffery.Farm Gate is part of 8point9.com

Insurance is a critical piece of owning and protecting any piece of real estate. Is it a good idea to self-insure your rental property? That's the first question I'm answering on this encore Q&A edition of Investing in Real Estate! On today's show, I'm answering three of your great questions about self-insurance, self-directed IRAs, and how to invest in US real estate from Canada. We'll also talk about living the life you want now, the importance of being empowered in your financial freedom, and more.

Before you take off on that dream vacation, you probably have your travel checklist ready: flights booked, hotels reserved, must-see attractions mapped out, and maybe even a few local phrases memorized. But there's one important item that many travelers overlook: travel health insurance. In this episode, we're talking all about travel health insurance, what it is, why it matters, and how to choose the right policy for your trip. We kick things off with the top 10 trending summer destinations for American travelers, then break down the different types of coverage available and help you decide whether it's a must-have for your next adventure. So whether you're lounging on the beaches of Cancun or strolling past Buckingham Palace, tune in to make sure you're covered—literally. The List: The Top 10 Trending Summer Destinations for Americans Hashtags: #summervacation #travelhealthinsurance #trendingsummerdestinations #OhThePlacesYoullGo #TimeToTravel Visit us online: www.bullcastpodcast.com Produced by Cameron Spann | Powered by Pickler Wealth Advisors Sound effects obtained from https://www.zapsplat.com

Nick Cannon has insured his unmentionables, we're insuring our yappers and Brently's insuring her eyes!

BUSINESS: PCIC: Higher budget will insure more farmers | May 2, 2025Visit our website at https://www.manilatimes.netFollow us:Facebook - https://tmt.ph/facebookInstagram - https://tmt.ph/instagramTwitter - https://tmt.ph/twitterDailyMotion - https://tmt.ph/dailymotionSubscribe to our Digital Edition - https://tmt.ph/digitalSign up to our newsletters: https://tmt.ph/newslettersCheck out our Podcasts:Spotify - https://tmt.ph/spotifyApple Podcasts - https://tmt.ph/applepodcastsAmazon Music - https://tmt.ph/amazonmusicDeezer: https://tmt.ph/deezerStitcher: https://tmt.ph/stitcherTune In: https://tmt.ph/tunein#TheManilaTimesVisit our website at https://www.manilatimes.netFollow us:Facebook - https://tmt.ph/facebookInstagram - https://tmt.ph/instagramTwitter - https://tmt.ph/twitterDailyMotion - https://tmt.ph/dailymotionSubscribe to our Digital Edition - https://tmt.ph/digitalSign up to our newsletters: https://tmt.ph/newslettersCheck out our Podcasts:Spotify - https://tmt.ph/spotifyApple Podcasts - https://tmt.ph/applepodcastsAmazon Music - https://tmt.ph/amazonmusicDeezer: https://tmt.ph/deezerStitcher: https://tmt.ph/stitcherTune In: https://tmt.ph/tunein#TheManilaTimesw Hosted on Acast. See acast.com/privacy for more information.

In this podcast, Jan-Willem and Rochelle chats to Old Mutual Insure about a powerful initiative aimed at improving child passenger safety in South Africa ahead of the HelderbergFM Road Safety Campaign: Hop Safe, Drive Smart. With 500 car seats being donated to families in need through their partnership with Wheel Well, the campaign tackles both affordability and awareness around car seat use—an issue that affects thousands of families across the country. We unpack the “Isipho Sami” pledge, their involvement in the Car of the Year Awards, and why road safety starts with all of us. Don't miss this important conversation about protecting young lives on our roads.

Send us a textToday we have a really good conversation on changing the way you think about money, what it means to do the illogical, how I have held myself back from success, what I do to INSURE my results and more!Let's go!!Join The Luxury Of It All: https://www.brittneyjonesceo.com/luxuryofitallGet My 7 Figure Guide: https://brittney-ceo.mykajabi.com/offers/fbKnBwSM/checkoutGet my FREE weekly biz babe moves straight to your inboxhttps://view.flodesk.com/pages/624b64b2a15594c239cada7bJoin my Facebook Grouphttps://www.facebook.com/groups/131279237732613Follow me on Ig @brittneyceo for my daily life, hot biz tips, and morehttps://www.instagram.com/brittneyceo/

With Congress approving a plan to slash $880 billion from the federal budget, all eyes are turning to Medicaid as the most likely source of cuts. I asked Former North Carolina Health Secretary Kody Kinsley, KFF's Larry Levitt and California Health Care Foundation's Katie Heidorn to join me to discuss the likely shape and impact of proposed cuts, and take questions from UC Berkeley students. Kody called it a “self-licking ice cream cone”—cuts that destabilize the government, leading to further cuts. Larry warned of formula battles that will soon erupt. Katie laid out the devastating effects on state budgets.We've also released this episode as a full video episode on YouTube. Subscribe to The Other 80 YouTube channel for video extras, video episodes and viral healthcare policy content. Click here to watch this episode in full. Watch the full VIDEO version of this episode: https://www.youtube.com/watch?v=X110GShMTtE&t=52sRelevant LinksKFF: The Public's View on Potential Changes to MedicaidKFF: Impact of Medicaid Per Capita Cap Kody Kinsley testimony to Congress on MedicaidPre-election episode with Larry LevittKFF: Can Republicans cut $880 Billion without Slashing Medicaid?CBPP: Impact of Medicaid CutsCHCF: Defending Medi-Cal in 2025About Our GuestsKatie Heidorn is the director of state health policy at CHCF, where she leverages the foundation's data, expertise, and partnerships to help California's state government make informed decisions about health care. Katie is based in CHCF's Sacramento office.Katie has nearly two decades of experience working in health policy, government, and nonprofits and is a skilled leader, facilitator, and communicator. She comes to CHCF after more than two years as executive director for the Insure the Uninsured Project (ITUP). Before that, Katie was the government affairs advocate for Health Net and the development director and policy lead at the nonprofit California Coverage and Health Initiatives. Katie spent a decade in California state government, including as a deputy secretary for the California Health and Human Services Agency and principal consultant in the Senate Appropriations Committee. She is also an alumna of the California Senate Fellows Program.Katie received her master's degree in Public Administration from the University of Southern California and bachelor's degree in Biochemistry and Molecular Biology and Comparative Literature from the University of California, Davis.Source: https://www.chcf.org/person/katie-heidorn/Kody...

Do you know the biggest hidden drain on your wealth? It's not bad investments, risky business moves, or even extravagant spending. It's tipping the government—paying more taxes than you actually owe.And that's just one of the four silent killers of efficiency that are quietly eating away at your financial future.I recently had the privilege of hosting an epic Montana Mastermind Skiing Adventure, where 25 high-level entrepreneurs came together to mastermind, ski, and talk shop. One of our guest speakers was my brother from another mother, the legendary Garrett Gunderson—New York Times bestselling author, wealth strategist, and straight-up financial genius.Garrett dropped some serious knowledge on the Four I's of Efficiency, a framework he shares with his millionaire and billionaire clients. And I'm about to break it down for you—so buckle up, take notes, and let's make sure you keep more of what you earn.These four areas are where most entrepreneurs unknowingly lose thousands (or even millions) of dollars over their lifetime. Fix these, and you'll be on your way to financial freedom.IRS – Stop Tipping the GovernmentThe IRS is the number one silent wealth killer. Taxes are likely your biggest business expense, yet most entrepreneurs don't have a solid tax strategy in place. If you're just handing over whatever your CPA tells you to pay, you're probably leaving a ton of money on the table.How to fix it:Be proactive, not reactive. Most CPAs are just paper pushers—they file your taxes but don't actively strategize for you. Work with a tax planner who can help minimize what you owe.Optimize your business structure. Whether you're an LLC, S-Corp, or C-Corp, your choice of entity can save (or cost) you thousands every year.Maximize deductions. Home office, travel, business meals, health insurance—if it's a legitimate business expense, make sure it's written off.Leverage advanced tax strategies. Cost segregation on real estate, R&D credits, retirement plans—these aren't just for big corporations. They're for you, too!Happy Hustle Takeaway: The tax code is designed to benefit entrepreneurs. Learn the rules, play the game, and keep more of your hard-earned money—ethically, of course.Interest – The Hidden Cost of BorrowingDebt is sneaky. It's not just about what you borrow—it's about how much interest is quietly stacking up against you.How to fix it:Know your rates. If you've got debt above 8% interest, that's a red flag. Credit card debt at 20%+? That's straight-up robbery.Refinance smart. If rates drop or your credit improves, renegotiate your mortgage, car loan, or business debt.Pay off high-interest debt first. Prioritize the most expensive debts and get rid of them ASAP.Use low-interest business credit instead of personal credit. Protect your personal score and leverage better financing options.Happy Hustle Takeaway: Every dollar wasted on interest is a dollar you could be using to fund your dream life, travel, or invest in your next big idea.Investment Fees – The Silent Wealth DrainCompounding fees can quietly eat away at your investment returns over time. Even a "small" 1% management fee can cost you hundreds of thousands of dollars over decades.How to fix it:Audit your investment accounts. Check your 401(k), IRAs, brokerage accounts—what are you actually paying in fees?Shift to low-fee funds. Index funds and ETFs usually have lower fees than mutual funds.Work with fee-only advisors. Avoid financial "advisors" who earn commissions from selling you products. Pay for advice, not someone's hidden agenda.Happy Hustle Takeaway: Compound interest can make you rich, but compound fees can keep you broke. Know what you're paying and eliminate unnecessary costs.Insurance – Protect Yourself Without OverpayingInsurance is crucial, but overpaying for coverage you don't need is just as bad as not having enough coverage.How to fix it:Conduct an annual insurance audit. Prices change, and so do your needs. Make sure your coverage is still the best fit.Insure for the catastrophic. Cover the big stuff—like life-altering events—not minor expenses.Raise your deductibles. This can significantly lower your premiums.Eliminate redundant coverage. Make sure you're not paying for overlapping policies.Happy Hustle Takeaway: Insurance is peace of mind, but it shouldn't drain your bank account. Be strategic and only pay for what truly matters.By optimizing these four areas, you'll not only stop the leaks but also create a stronger financial foundation for yourself and your business.If you want to dive deeper into these strategies, don't miss this episode. Trust me, this knowledge is worth thousands—probably more—so tune in and start Happy Hustlin your way to financial freedom!Connect with Cary!https://www.instagram.com/caryjack/https://www.facebook.com/SirCaryJackhttps://www.linkedin.com/in/cary-jack-kendzior/https://twitter.com/thehappyhustlehttps://www.youtube.com/channel/UCFDNsD59tLxv2JfEuSsNMOQ/featured Get a free copy of his new book, The Happy Hustle, 10 Alignments to Avoid Burnout & Achieve Blissful Balance https://www.thehappyhustle.com/bookSign up for The Journey: 10 Days To Become a Happy Hustler Online Coursehttps://thehappyhustle.com/thejourney/Apply to the Montana Mastermind Epic Camping Adventurehttps://thehappyhustle.com/mastermind/“It's time to Happy Hustle, a blissfully balanced life you love, full of passion, purpose, and positive impact!”Episode Sponsor: Magnesium Breakthrough from BiOptimizers (https://bioptimizers.com/happy)If you've been on a restricted diet lately or maybe even taken some meds to shed those pounds for the summer, I gotta warn ya—be careful! You might have unknowingly created a nutrient deficiency that could not only mess with your health but also jeopardize those weight loss goals.Did you know that over 75% of Americans are already deficient in magnesium? Yeah, it's wild! Magnesium is this powerhouse mineral that's involved in over 600 biological reactions in your body. It helps with everything from sleep to stress management to hormone balance—all key players in keeping your weight on track.And if you're still on those meds, you might be dealing with some side effects like sleepless nights, digestive issues, or irritability, which can totally throw off your commitment to your goals. Whether you're taking meds or not, setting up healthy habits is crucial to maintaining your weight over time. One of the best things you can do? Make sure you're getting all the magnesium your body needs.Don't let a magnesium deficiency derail your progress! Give Magnesium Breakthrough by BIOptimizers a shot. Unlike other supplements, this one's got all 7 forms of magnesium that your body can actually absorb, so you get the full spectrum of benefits.This approach will help you crush your goals and maintain a healthy weight while keeping your overall health in check. For an exclusive offer, head to bioptimizers.com/happy and use the promo code 'happy10' at checkout to save 10%. And if you subscribe, you'll snag amazing discounts, free gifts, and a guaranteed monthly supply.

In this episode, Steve discusses a 3-step approach to deciding which risks to insure against and how to find the right balance between coverage and its cost.Speaker- Steve Brice, Global Chief Investment Officer, Standard Chartered BankFor more of our latest market insights, visit Market views on-the-go or subscribe to Standard Chartered Wealth Insights on YouTube.

Selling insurance easily is a challenge that is slowly being solved but not easily. Angela Sethi, CEO and co-founder of Mangopolicy, believes the solution is not that far off:In this episode:How existing technology can power insurance sales without headachesWhy brokers and agents need to look at insurance sales differently for future successThe importance of brokers working to develop products and no rely solely on insurersHow new thinking from outside insurance can learn and adapt for successWhy building a tech stack should include sales techHow Ibiza Spain can be a motivator for meditation and planning- year really.Angela is the kind of personality the insurance industry needs and she has a vision and the experience to pull off a juicy plan with Mangopolicy. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

EPISODE 188: Imagine spending years building your real estate portfolio, only to lose ALL your profits because of a poor insurance policy.  It happens more than you think. Most people take out insurance purely based on price, without giving it too much thought or discussing the details of their business with their agent. Then, something terrible happens, and they are left to fend for themselves because their policies don't cover anything useful for their businesses… Joining me today James Jenkins, an insurance expert specializing in real estate investor policies, to the show! James is the co-owner and CEO of RiskWell, an insurance company providing solutions for real estate investors. In our interview, he breaks down the biggest mistakes investors make, from overlooking liability risks to trusting the wrong agents. He also shares what you need to check in your policy right now. Tune in and protect your portfolio!   Key Takeaways: 00:00 Intro 01:14 Real estate investors and commercial insurance  02:44 Most overlooked insurance gaps  05:16 The importance of customized insurance plans  08:52 Picking the right agent 14:28 Common insurance issues for real estate investors  21:34 What to look for in your policy  24:53 Book recommendations  26:18 Outro   —   If you want to watch the video episode, go to: http://www.motivatedleads.com/podcast/episode-188-insure-your-real-estate-investment-the-right-way-with-james-jenkins    —   Get in touch with James Jenkins:  

This week Holly and Joni talk about everything from Mardi Gras to Jesus!

Today, G has the chance to get real with Johnathon Tews, the youth pastor from his own church, Open Door Fellowship.  As you listen, you'll hear how the conversation gets very real, very fast - the product of two men who know each other and are in the same work of ministering to students, invested in the same community of believers.This Kingdom Culture Conversation starts with practical advices...some wisdom...some insight.Then, BOOM.  It gets real.  Really good.  Really candid.And, you really, really need to hear it. "Kingdom Culture Conversations" is a podcast created through Frameworks, a Biblical worldview initiative of Northwest Christian School.For more information on Frameworks, please visit: https://frameworks.ncsaz.org/For more information on Northwest Christian School, visit: https://www.ncsaz.org/To reach out to Geoff Brown, please email gbrown@ncsaz.org or you can reach him by cell phone: (623)225-5573.

Sharing love stories and tips from the mortgage desk, insurance and care-giving industries. Tips to maintain harmony, peace and prosperity. Happy Valentine's Day!

For this Ask KT & Suze Anything episode, Suze answers your questions about withdrawing from an IRA, fear of the markets, renting versus buying and so much more! Jumpstart financial wellness for your employees: https://bit.ly/SecureSave Protect your financial future with the Must Have Docs: https://bit.ly/3Vq1V3GGet your savings going with Alliant Credit Union: https://bit.ly/3rg0YioGet Suze’s special offers for podcast listeners at suzeorman.com/offerJoin Suze’s Women & Money Community for FREE and ASK SUZE your questions which may just end up on the podcast. Download the app by following one of these links: CLICK HERE FOR APPLE: https://apple.co/2KcAHbH CLICK HERE FOR GOOGLE PLAY: https://bit.ly/3curfMISee omnystudio.com/listener for privacy information.

February is Insure Your Love Month and it's a great time of year to talk to clients about adding life insurance or final expense to their portfolio.  In this episode of The Broker Link, Cristal Bustillos from our Life team shares strategies to talk to your clients about life insurance.  She will also explain ways The Brokerage Inc. can help you grow your business with life insurance.  We have a list of webinars and trainings on our website that can directly assist you.  Click on this link for more information: https://thebrokerageinc.com/event-type/life-insurance  Learn more about partnering with The Brokerage Inc. by visiting our website, www.thebrokerageinc.com. Remember to like, share, and subscribe to our show!  New episodes are available every Tuesday. Join our Community! Linkedin: https://www.linkedin.com/company/the-brokerage-inc-/   Facebook:  https://www.facebook.com/thebrokerageinc/  Instagram:  https://www.instagram.com/thebrokerageinc/  YouTube:  https://www.youtube.com/@TheBrokerageIncTexas  Website:  https://thebrokerageinc.com/   

Did your portfolio take a hit as AI stocks got slammed? Insure your trades against black swan events and predictable upheavals by mastering hedges. Matt Caruso, president at Caruso Insights, talks hedging and why he still sees innovation yet to come from generative AI. Learn more about your ad choices. Visit megaphone.fm/adchoices

"Should I self insure or should I get some sort of policy? If I go with a policy, what kind should I look at?" We're answering YOUR questions on this week's Get Ready For The Future Show! Does it make sense for my wealthy mother, a recent widow, to take out a significant life-insurance policy? I'm 65 and have $3.7 million. How much should I realistically spend on a house? I'm 43 and worried I've waited too long to retire comfortably. Advice? And if you've got a question you want answered on the show, call or text 501.381.5228! Or email your question to show@getreadyforthefuture.com! Originally aired 1/15/2025

*This episode was originally published on September 24, 2024Half of the world's electric cars are on China's roads, thanks to a wave of smart incentives for both consumers and manufacturers, such as tax breaks and purchase subsidies. The payoff is tangible: the smog that once shrouded some major cities has lifted, and road noise has dropped significantly.But it brought unexpected costs and challenges that nobody saw coming. Tune inDaybreak is produced from the newsroom of The Ken, India's first subscriber-only business news platform. Subscribe for more exclusive, deeply-reported, and analytical business stories.

Discover how CEOs can lead their teams to secure larger corporate deals, transition upmarket, and build strategies for landing transformative accounts with expert insights from Jamal Reimer.About GuestJamal Reimer is an experienced coach, best-selling author, product developer, and ambitious multi-million-dollar Enterprise Seller with more than 2 decades of experience in the field. After closing three 50-million-dollar deals at Oracle, he found his passion in helping others achieve the same. He's coached hundreds of B2B sellers, teaching them the art of closing mega deals. Jamal has also cultivated a thriving community of more than 600 sellers, all dedicated to supporting and elevating each other's success.About Guest CompanyEnterprise Sellers is a company that is dedicated to helping sales professionals close mega deals. This company offers training and mentorship to B2B SaaS sellers. They aim to help sales professionals navigate and understand the best strategies to secure large deals with potential customers. The Enterprise Sellers focuses on strategies that have been tested and proven to be effective by experienced industry professionals.Outboundless, where Jamal is a co-founder, focuses on helping companies scale their sales operations. By offering services like on-demand sales teams and tailor-made growth plans to suit each client.Social Links Episode Social LinksLinkedIn: https://www.linkedin.com/in/jamal-reimer/Company Website: https://www.enterprisesellers.com/https://jamalreimer.com/Company LinkedIn (Enterprise Sellers): https://www.linkedin.com/company/enterprise-sellers/Company LinkedIn (Outboundless): https://www.linkedin.com/company/outboundless/Link to Mega Deal Secrets: https://www.megadealsecretsbook.com/order-587089631679443322419Book recommended by Jamal: https://heathbrothers.com/books/the-power-of-moments/Podcast recommended by Jamal: https://www.npr.org/podcasts/510318/up-firstConnect with Alice HeimanLinkedIn Profile:  https://www.linkedin.com/in/aliceheiman/Alice's Website: https://aliceheiman.com/

Join us for an insightful conversation with Brian Falchuk, a revered figure in the P&C insurance industry, as he unpacks the intricate relationship between insurance and technology. With 25 years of experience to his name, Brian shares his perspective on the transformative power of telematics and the slow-burning evolution towards autonomous vehicles. As we navigate through these topics, Brian offers a captivating look at the industry's future, providing a compelling argument that the most significant changes may be on the horizon in the 2040s. This episode is a must-listen for anyone keen on understanding the dynamic shifts in auto insurance and the burgeoning role of technology. Our discussion also takes a turn towards the automotive industry's transitioning strategies, especially how car manufacturers are rewriting the rulebook with subscription models and data-driven services. We explore the tug-of-war between insurers and original equipment manufacturers, contemplating a future where automakers might have more control over the insurance process itself. Drawing parallels with the music industry's subscription pivot, this episode encourages listeners to reconsider traditional notions of car ownership and what this means for consumer loyalty in a tech-driven world. In a fascinating segment, we dissect the unique challenges Tesla faces in establishing a viable insurance model against the backdrop of high repair costs and a narrow product range. We also dive into topics like the implications of Arthur J. Gallagher's hefty acquisition of Assured Partners and the networking potential of platforms like LinkedIn for industry professionals. With a mix of humor and insightful commentary, we even touch on the excitement surrounding the United Healthcare case and our upcoming trip to the Consumer Electronics Show. This episode promises a rich blend of industry insights and engaging storytelling, perfectly punctuated with a light-hearted holiday cheer. Timestamps 02:27 - Deliriously tired since 2 AM: A day in the life of Brian Falchuk 03:17 - The future of insurance: Thought leadership and pushing the industry forward 04:39 - Autonomous vehicles: Predictions, delays, and how the industry adjusts 06:18 - Tesla's robo-taxi announcement: A step forward or just marketing hype 07:10 - Will personal auto insurance become a thing of the past 08:51 - The distracted driving epidemic: Drivers of frequency and severity in claims 10:40 - Who owns the data? OEMs and the shifting power dynamic in insurance 11:05 - The subscription economy: Cars, insurance, and the future of ownership 16:27 - Tesla insurance: High costs, challenges, and what the numbers reveal 23:18 - Why diversified product portfolios matter for OEM insurance venture 27:16 - Should insurers partner with automakers to stay ahead 32:22 - How asking 'How might we?' can open up opportunities for innovation Connect with RiskCellar: Website: https://www.riskcellar.com/ Brandon Schuh: Facebook: https://www.facebook.com/profile.php?id=61552710523314 LinkedIn: https://www.linkedin.com/in/brandon-stephen-schuh/ Instagram: https://www.instagram.com/schuhpapa/ Nick Hartmann: LinkedIn: https://www.linkedin.com/in/nickjhartmann/

In this episode of the Insurance Producers Podcast, host Cyrus Jaffery sits down with Wesley Pergament to explore innovative solutions in the insurance world. They discuss how solar insurance can help lower homeowner deductibles, the importance of accountable mornings for setting goals and delivering top-tier service, and building affordable natural disaster insurance solutions.Wesley also shares insights on creating insurance companies separate from payouts, utilizing wind and hail monitoring for fast and efficient claim resolutions. They highlight the expansion of tornado coverage across 15 states and into Western regions with the highest hail risk. Plus, learn about the wind and hail deductible process for quick payouts and a streamlined appointment process for insurance agents.This episode is packed with actionable tips and forward-thinking strategies for insurance professionals looking to innovate and excel in the industry. Tune in now!

Are European leaders living in a Barbie-like dreamworld? This week, the idealised fantasy of the EU versus its awkward reality. Far from being a continent of grateful europhiles, a lot of people feel apathetic about the European project at best. Paweł Zerka joins us to discuss why non-white, young and Eastern Europeans feel especially left out of the EU, and what we can do to fix this.   We're also joined by Deutsche Welle's Kate Laycock for a special guest edition of Good Week, Bad Week! We discuss how victory was snatched from the AfD in last weekend's state elections in Brandenburg, as well as the backlash against tax hikes on books in both Slovakia and the Netherlands.   Thanks for listening! If you enjoy our podcast, we'd love it if you'd consider chipping in a few bucks a month at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠patreon.com/europeanspodcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ (many currencies are available). You can also help new listeners find the show by ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠leaving us a review⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ or giving us five stars on Spotify.      You can read Paweł's report here. The European Sentiment Compass is a joint initiative of the European Council on Foreign Relations and the European Cultural Foundation.    Kate is the presenter of DW's Inside Europe. You'll be able to catch Katy and Dominic on the show next week!    Inspiration Station offerings: 'What language does your inner child speak?' - The First 1,000 Days  'How Libraries Thrive' - you can read the whole book online here    Other resources for this episode:  'German far-right AfD song calls for deporting millions - DW News 'Elderly Romanian woman used amber nugget worth over $1 million as a doorstop for decades' - El País   00:22 Insure yourselves, people! 04:07 Good Week: Dietmar Woidke (Special edition with Kate Laycock from Deutsche Welle) 12:24 Bad Week: Book-lovers in Slovakia and the Netherlands 22:00 Interview: Paweł Zerka on the Barbie-like European Union 39:13 The Inspiration Station: 'The First 1,000 Days' and 'How Libraries Thrive' 43:45 Happy Ending: The world's fanciest door-stop?

We discuss why you should strongly consider self-insuring your business by leveraging the often-overlooked 831(b) tax code. Van Carlson, a risk management expert with 30 years of experience and Founder of SRA 831(b) Admin. This podcast is sponsored by Aspen Funds. Alternative investments in Private Credit, Industrial Real Estate, and Oil and Gas: https://aspenfunds.us/   Check out our latest offering in industrial real estate: https://app.junipersquare.com/i/aspenfunds/offering/1bdbcf6a-da16-4e65-a675-31909415300a   Explore our Private Credit fund: https://aspenfunds.us/private-credit-fund/  Get in touch: https://meetings.hubspot.com/mike-sullivant/ilab-speak-to-aspen-representative-  Download our FREE 2024 Economic Forecast: https://www.investwithaspen.com/free-economic-report Follow Aspen Funds LinkedIn: https://www.linkedin.com/company/aspen-funds/  ⁠⁠ Instagram: https://www.instagram.com/aspenfunds/  Facebook: https://www.facebook.com/aspenfunds/  Connect with Ben Fraser https://www.linkedin.com/in/benwfraser/  Connect with Van Carlson https://www.linkedin.com/in/vancarlson/

Examining the works of Michael McDonald through the lens of The 40-Year-Old Virgin; Raven was setting modern trends of wrestling back in WCW; Feeney tries to convince Raven to start a second podcast dedicated to talking about wrestling, is the market for that hot? The great deep dive into The Shining; Body parts celebrities and athletes have insured; Raven shares a story of something Scott Hall was trying to get over; Politics as shared by Louis C.K. and Nick Di Paolo; Raven presents the greatest conspiracy theory about the Trump shooting and solves the JFK shooting, of sorts, and of course, all the usual perversions. Follow the guys on X!Raven - @theRavenEffectRich - @RichBocchiniFeeney - @jffeeney3rdRaven has some action figures available for purchase at https://www.majorbendies.com/ so go buy them.Buy some of Raven's old comics and other goods. Check out the store by Ask Danna at https://www.ebay.com/str/askdannaHave Raven say things that you want him to say, either for yourself or for someone you want to talk big-game shit to by going to http://www.cameo.com/ravenprime1If you want all the uncensored goodness AND watch The Raven Effect, sign up for Patreon by going to http://www.patreon.com/TheRavenEffect it's only $5 a month!Become a supporter of this podcast: https://www.spreaker.com/podcast/the-raven-effect--5166640/support.

Insurance is a topic we all often avoid, with HUGE consequences. When disaster strikes we have either the wrong coverage or none at all. That's why we decided today to have some fun talking about how making better insurance decisions can truly improve your life. You may find yourself skipping down your street because you've either 1) saved money or 2) found better coverages for your situation. We'll chat about: Big picture about using the stuff you buy (ensuring that the purchase is actually "worth it"). How much insurance is "enough" When you can skip the insurance altogether Working with insurance brokers Adding riders to your policies Long term care...the mother of all insurance problems Pet insurance ...and LOTS more. FULL SHOW NOTES: https://stackingbenjamins.com/finding-better-insurance-1545 Deeper dives with curated links, topics, and discussions are in our newsletter, The 201, available at https://www.StackingBenjamins.com/201 Enjoy! Learn more about your ad choices. Visit podcastchoices.com/adchoices

The job market has been a crazy ride over the past several years, and job hopping has become commonplace. But is it still a good idea to chase higher pay? How important is stability and loyalty now? Also today - An old idea by legacy retailer Sears, which sold over 70,000 mail-order homes between 1908 and 1942, has resurfaced. Hear how Home Depot is getting in on the affordable housing market. Job Stability: Segment 1 Ask Clark: Segment 2 House Building Kits: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Does it still pay to change jobs as salary strategies shift? Here's how salary offers are trending for job hoppers as pay settles into 'new regime' The job market has hit a new normal. Here's why everyone hates it. The Cheapest Cars to Insure in 2024 What Are the Cheapest Cars To Insure? (2024 Cost Guide) Robinhood Gold Credit Card: Is It Worth It? Housing market affordability is so strained that Home Depot is selling tiny homes for $63,000   Sears Modern Homes Cancel for Any Reason Trip Insurance: Should You Buy It? What should travelers do with all these cruise credits? Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices