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Many companies and people focus on a number to achieve a comfortable retirement. Retirement is not about obtaining a number. It is about cash flow. The 4% withdrawal rate is often recommended to ensure you don't run out of money with a high degree of certainty. Guaranteed Lifetime Income products provide 5-7% withdrawal rates guaranteed for life depending on your age. The older you are, the higher the withdrawal rate. This would increase income for most retirees 25 - 75% guaranteed for life. This ensures you don't run out of money in retirement. This is the "Golden Era" of fixed assets. The best rates in 40+ years! Insured with guarantees. - Your Personal Bank policies are insured, with guarantees, income tax-free, highly liquid, and likely to increase returns for the next 5-10 years! - Fixed Index Annuities have the best upside potential in 40+ years with no downside market risk. The principle is guaranteed. Some offer signing bonuses up to 16% with strong upside potential. - Guaranteed Lifetime Income is the highest in 40+ years. Some products offer up to 30% signing bonus. Other products offer up to 10% increased guaranteed lifetime income each year you defer.
The 2025 Allianz Retirement Survey key findings: 64% of Americans worry more about running out of money in retirement than about death. The primary causes of their concerns are: - 54% cite the increased prices of goods due to inflation - 43% fear Social Security will not provide enough financial support as needed - 43% state high taxes negatively impact their economic situation Your withdrawal rate largely impacts the likelihood of success of not running out of money in retirement. The 4% withdrawal rate is often recommended by retirement experts for a high likelihood of success. According to multiple studies, if you initially withdraw 4% of your portfolio annually your likelihood of not running out of money after 35 years in retirement is 85-95% depending on your asset allocation. If you increase your withdrawal rate to 5%, your likelihood of success reduces to 45-70%. If you withdraw 6%, your likelihood of success drops to 10-55%. Many people respond to periods of market volatility by not looking at their account statements. Ignoring what is not going on is not an effective way to deal with challenges. If you have concerns about your financial situation, there are strong options available to increase returns safely, reduce market risk, increase withdrawal rates with guarantees, reduce taxes, and increase access to your money. This is the "Golden Era" of fixed assets. The best rates in 40+ years! Insured with guarantees. - Your Personal Bank policies are insured, with guarantees, income tax-free, highly liquid, and likely to increase returns for the next 5-10 years! - Fixed Index Annuities have the best upside potential in 40+ years with no downside market risk. The principle is guaranteed. Some offer signing bonuses up to 16% with strong upside potential. - Guaranteed Lifetime Income is the highest in 40+ years. Some products offer up to 30% signing bonus. Other products offer up to 10% increased guaranteed lifetime income each year you defer.
Ex-NFL super star Steve Smith is being sued for having an alleged affair. Shannon Sharpe's stylist posts a bizarre Instagram story alluding to the assault case Shape is in. And, Nick Cannon admits he has his balls insured.See omnystudio.com/listener for privacy information.
Parents are being urged to hire bouncy castles only from companies that are insured and safety-certified ahead of holy communion season. We speak to Glenn Tector, Owner of Sonics Entertainment and PRO for the Irish Inflatable Hirers Federation.
https://www.truefriendsmovingcompany.com/springfield-tn-movers/ Licensed. Insured. Ready to serve - in Springfield and beyond. Call True Friends Moving Company at 615-240-2811 for the expert commercial moving services you need! True Friends Moving Company City: Nashville Address: 700 East Old Hickory Blvd Website: https://www.truefriendsmovingcompany.com/
Parents are being urged to hire bouncy castles only from companies that are insured and safety-certified ahead of holy communion season. We speak to Glenn Tector, Owner of Sonics Entertainment and PRO for the Irish Inflatable Hirers Federation.
This is happening in Aurora, Colorado. https://www.lehtoslaw.com
The tariff policy is not just about tariffs. This is about economic power and control. China and the US want to dominate future technology. China and the US are decoupling economically. This is similar to the Cold War with the Soviet Union. That was a military conflict. We are in the beginning of an Economic Cold War with China. Divorces can be amicable or messy. So far, China is fighting back. This may take some time. The primary question is how long will this take? The Trump administration is changing decades of tariff policy. The transition will be volatile. If the current administration is successful, the long-term benefit for the US will be tremendous. I believe we are in for a chaotic year and a bumpy economic ride this year. It would be wise to protect your assets. Diversify. Reduce your risk. Reduce your tax liability. Increase returns safely. Increase liquidity to take advantage of future opportunities. This is the "Golden Era" of fixed assets. The best rates in 40+ years! Insured with guarantees. - Your Personal Bank policies are insured, with guarantees, income tax-free, highly liquid, and likely to increase returns for the next 5-10 years! - Fixed Index Annuities have the best upside potential in 40+ years with no downside market risk. The principle is guaranteed. Some offer signing bonuses up to 16% with strong upside potential. - Guaranteed Lifetime Income is the highest in 40+ years. Some products offer up to 30% signing bonus. Other products offer up to 10% increased guaranteed lifetime income each year you defer.
Editor's Summary by Preeti Malani, MD, MS, and Chris Muth, MD, Deputy Editors of JAMA, the Journal of the American Medical Association, for articles published from April 19-25, 2025.
The tariff policy is not just about tariffs. This is about economic power and control. China and the US want to dominant future technology. China and the US are decoupling economically. This is similar to the Cold War with the Soviet Union. That was a military conflict. The US eventually won the Cold War by outspending the Soviet Union, but it took years. They tried to keep up military spending but were unable to keep up with the US military spending. The US economy was much larger than the Soviet Union's. We are in the beginning of an Economic Cold War with China. The US imports far more products from China than any other country. The US and China have significant financial entanglements. Divorces can be amicable or messy. So far, China is fighting back. This may take some time. The Trump administration is changing decades of tariff policy. The transition will be volatile. If the current administration is successful, the long-term benefit for the US will be tremendous. I believe we are in for a chaotic year and a bumpy economic ride this year. It would be wise to protect your assets. Diversify. Reduce your risk. Reduce your tax liability. Increase returns safely. Increase liquidity to take advantage of future opportunities. This is the "Golden Era" of fixed assets. The best rates in 40+ years! Insured with guarantees. - Your Personal Bank policies are insured, with guarantees, income tax-free, highly liquid, and likely to increase returns for the next 5-10 years! - Fixed Index Annuities have the best upside potential in 40+ years with no downside market risk. The principle is guaranteed. Some offer signing bonuses up to 16% with strong upside potential. - Guaranteed Lifetime Income is the highest in 40+ years. Some products offer up to 30% signing bonus. Other products offer up to 10% increased guaranteed lifetime income each year you defer.
The stock market is moving up to 8-9% up and down daily. The volatility is stomach churning. The primary concern is tariffs. It is uncertain if China will agree to a fair trade deal. China exports five times more to the US than the US exports to China. Tariffs affect China far more than the US. They are at a significant disadvantage. Globalist free trade proponents promised they following: 1. Free trade would lead to fair trade policies. Nations would follow the rules to remain trading partners. 2. Oppressive regimes would become more democratic. 3. Low income, unskilled workers would create a robust middle class worldwide due to free trade. 4. The US would lose manufacturing jobs but there would be plenty of opportunities in the new economy. The globalist free trade advocates were horribly wrong. 1. China is famous for not following the rules, cheating, and stealing technology. 2. China is still communist and is more oppressive than a few decades ago. 3. Slave labor wages are still common around the world. A middle class does not exist in many countries. 4. Most Americans who lost manufacturing jobs never learned how to code. An entire region is known as the "Rust Belt". The American people never voted for this. Globalist free trade was foisted on us by a class of self-proclaimed elites. Independence is a founding principle of our country. A country that cannot produce what it needs is not independent. America cannot produce many of the things it invented. We are no longer self-reliant. The globalist free trade advocates were so wrong it is surprising anyone still listens to them. The top 10% own 88% of stocks in the US. The next 40% own 12% of stocks. The bottom 50% have debt. Lower energy prices benefit everyone. Cheaper gas impacts most Americans far more than a higher stock market. The Trump administration is changing decades of tariff policy. The transition will be volatile. If the current administration is successful, the long-term benefit for the US will be tremendous. I believe we are in for a chaotic year and a bumpy economic ride this year. It would be wise to protect your assets. Diversify. Reduce your risk. Reduce your tax liability. Increase returns safely. Increase liquidity to take advantage of future opportunities. This is the "Golden Era" of fixed assets. The best rates in 40+ years! Insured with guarantees. - Your Personal Bank policies are insured, with guarantees, income tax-free, highly liquid, and likely to increase returns for the next 5-10 years! - Fixed Index Annuities have the best upside potential in 40+ years with no downside market risk. The principle is guaranteed. Some offer signing bonuses up to 16% with strong upside potential. - Guaranteed Lifetime Income is the highest in 40+ years. Some products offer up to 30% signing bonus. Other products offer up to 10% increased guaranteed lifetime income each year you defer.
Lyndsay and Shannon, along with insurance expert Keith Allen, discuss the critical importance of insurance for farmers, especially those involved in agritourism and hosting events. They explore the distinctions between home and farm insurance, emphasizing the necessity of liability coverage when welcoming customers or vendors onto the property. Keith shares insights on the scrutiny of insurance providers post-pandemic, the importance of keeping insurance agents informed about operational changes, and the need for proper coverage to protect against potential risks. The episode underscores the value of understanding and obtaining appropriate insurance for farm operations.You can call them or visit devroomen.com to learn more. Now is the perfect time to place those fall bulb orders and don't forget Dirt20 for 20% off! Check out DeVroomen on Facebook or Instagram If you want to dive in deeper with us each month, join our membership group - The Dirt on Flowers Insiders! So if you love the podcast and want to dig deeper with us, head over to www.thedirtonflowers.com/membership to join now. Did you love today's episode? Take a screenshot and share it in your IG stories. Don't forget to tag @dirtonflowers!Leave us a rating and review on Apple Podcasts!Head to www.thedirtonflowers.com to sign up for our newsletter and become a Dirt on Flowers insider!Want to learn more about your hosts? Follow us on Instagram!Lyndsay @wildroot_flowercoShannon @bloomhillfarm
The reciprocal tariff policy is about Fair Trade vs. Free Trade. Reciprocal tariffs will be calculated both the monetary and non-monetary totals. The US will tariff the other country about half of the tariff charged to the US. Non-tariff barriers are often worse. - Currency manipulation - VAT tax - Export subsidies - Counterfeit products - Technology theft - Subsidized dumping of products into our country designed to kill our industry. Free trade policies have been used against the US to destroy our manufacturing capability. - We lose jobs - National security issue Look at nearly any small town or rural area in America. Most are a hollow shell of what they once were. - There are few jobs or opportunities available - Most are depressed and run-down - It has steadily gotten worse over the past few decades - Destroyed American industry. - An entire region is known as the rust belt. The Trump administration is changing decades of tariff policy. The transition will be volatile. If the current administration is successful, the long-term benefit for the US will be tremendous. I believe we are in for a chaotic year and a bumpy economic ride this year. It would be wise to protect your assets. Diversify. Reduce your risk. Reduce your tax liability. Increase returns safely. Increase liquidity to take advantage of future opportunities. This is the "Golden Era" of fixed assets. The best rates in 40+ years! Insured with guarantees. - Your Personal Bank policies are insured, with guarantees, income tax-free, highly liquid, and likely to increase returns for the next 5-10 years! - Fixed Index Annuities have the best upside potential in 40+ years with no downside market risk. The principle is guaranteed. Some offer signing bonuses up to 16% with strong upside potential. - Guaranteed Lifetime Income is the highest in 40+ years. Some products offer up to 30% signing bonus. Other products offer up to 10% increased guaranteed lifetime income each year you defer Please contact me with any questions.
Join George and Patrick as they talk about the recent Academy class, Named Insured, Additional Insured? Who Really Is An Insured? Not yet a member of the academy? … Read More » The post IJA Aftershow: Patrick Wraight appeared first on Insurance Journal TV.
This one's a shorter one today folks. Easter Bingo had GCHQ all behind so we started late and finished early. Onto Alty! Hosted on Acast. See acast.com/privacy for more information.
It was a period of unfettered optimism. Nearly everyone thought the sky was the limit, it was a new era, valuations didn't matter. The only thing that mattered was how much you put into it, because it was going to continue to climb. Recently, greed was at extreme levels. Former Fed Chairman Alan Greenspan had warned about “irrational exuberance” in the stock market as early as 1996. Investors ignored this warning. Instead, they increasingly fixated on the promise of the new technology. The current technology promise is AI. The dot-com era was known for high valuations. Recently, the markets were at record valuations. The markets peaked in early 2000. The ensuing bear market lasted more than 2 1/2 years. The S&P 500 dropped 45%. The S&P 500 finally returned to the same levels in May 2007. The Nasdaq-100 crashed 80%. The Nasdaq-100 took more than 15 years to return to its dot-com-era peak. The 2000's became known as the "lost decade". The Trump administration is changing decades of tariff policy. The transition will be volatile. If the current administration is successful, the long-term benefit for the US will be tremendous for decades. I believe we are in for a chaotic year and a bumpy economic ride this year. It would be wise to protect your assets. Diversify. Reduce your risk. Reduce your tax liability. Increase returns safely. Increase liquidity to take advantage of future opportunities. This is the "Golden Era" of fixed assets. The best rates in 40+ years! Insured with guarantees. - Your Personal Bank policies are insured, with guarantees, income tax-free, highly liquid, and likely to increase returns for the next 5-10 years! - Fixed Index Annuities have the best upside potential in 40+ years with no downside market risk. The principle is guaranteed. Some offer signing bonuses up to 16% with strong upside potential. - Guaranteed Lifetime Income is the highest in 40+ years. Some products offer up to 30% signing bonus. Other products offer up to 10% increased guaranteed lifetime income each year you defer.
There's a saying, “The best time to plant a tree is right now.” Does that logic apply to inheritances?Well, it might in some cases. In other words, is there a benefit to giving your kids an early inheritance? And how exactly would you do that? Harlan Accola joins us today to talk about how a reverse mortgage can accomplish that.Harlan Accola is the National Reverse Mortgage Director at Movement Mortgage, an underwriter of Faith and Finance. He is also the author of Home Equity and Reverse Mortgages: The Cinderella of the Baby Boomer Retirement. Understanding a Home Equity Conversion Mortgage (HECM)Reverse mortgages have evolved significantly over the years, offering new opportunities for financial planning in retirement. A Home Equity Conversion Mortgage (HECM), often referred to simply as a reverse mortgage, is an FHA-insured loan that allows homeowners to convert part of their home equity into cash while still maintaining ownership.Unlike some traditional reverse mortgages of the past, a HECM is non-recourse, meaning borrowers will never owe more than the home's value, and the loan cannot be called due as long as they continue to pay property taxes and insurance and live in the home. The equity remains with the homeowner and their heirs, with the only change being the portion that is used. Another advantage? The proceeds are tax-free, making it a useful tool for financial planning.The Role of Reverse Mortgages in Retirement PlanningWhile many people focus on eliminating debt entirely in retirement, a reverse mortgage can serve as a strategic financial asset rather than simply a last resort. Many retirees overlook the potential of their home equity as part of their financial portfolio. Instead of just passing a home down to heirs, a reverse mortgage allows parents to leverage their equity while living, providing financial assistance to their children and grandchildren when they need it most.Giving an Early Inheritance: Why It Makes SenseOne of the most meaningful ways to use a reverse mortgage is to give an early inheritance—sharing wealth with children or grandchildren while still being alive to witness its impact. As Ron Blue famously said, “Do your giving while you're living so you're knowing where it's going.”Biblical wisdom teaches that wealth should be passed along with wisdom, guiding the next generation not only in how to manage money but also in understanding generosity and stewardship. Many parents already do this when their children are young—teaching them to give, save, and spend wisely. But what about when they are adults? A reverse mortgage provides an opportunity to continue that guidance by offering financial assistance at a time when it may be most needed.How an Early Inheritance Can HelpHere are some practical ways a reverse mortgage can be used to bless children and grandchildren:1. Helping with a Down Payment on a HomeWith rising housing prices and interest rates, many younger adults struggle to afford a home. Parents can use their home equity to provide a down payment for their children, reducing the amount they need to borrow and making homeownership more affordable.2. Funding Private Christian EducationMany families prioritize faith-based education, but tuition costs can be a burden. A reverse mortgage can help cover private school tuition for grandchildren, ensuring they receive a strong biblical foundation in their education.3. Supporting Family Mission Trips or VacationsShared experiences can create lasting memories and strengthen family bonds. Whether it's funding a mission trip or a multi-generational vacation, using home equity can allow families to invest in relationships and spiritual growth together.Are There Risks to Using a Reverse Mortgage for an Early Inheritance?Like any financial tool, a reverse mortgage should be part of a well-thought-out plan. Here are a few key considerations:Ensure Long-Term Financial Stability—Before giving away wealth, make sure your own financial needs are met, including healthcare and living expenses. Plan for Healthcare Costs—Unexpected medical expenses can arise, so long-term care planning is essential before using home equity for other purposes. Use Funds Wisely—An early inheritance should be given with intentionality, not just as a financial gift, but as an opportunity to teach stewardship and align with biblical principles.Making the Right DecisionIf you're considering a reverse mortgage as part of your financial plan, here are a few steps to ensure you're making a wise choice:Work with a Trusted Christian Advisor—Seek guidance from a financial professional who understands both biblical principles and financial wisdom. That's why we recommend working with a Certified Kingdom Advisor (CKA), which you can find at FaithFi.com. Just click "Find a Professional." Pray About It—Ask God for wisdom to determine how this decision fits into His plans for your life and your family's future. Evaluate Your Goals—Consider how a reverse mortgage aligns with your long-term financial and spiritual priorities.By planning wisely and giving generously, you can leave a legacy of faith and financial stewardship that impacts generations to come.For those interested in exploring whether a reverse mortgage is a good option for their retirement plan, the team at Movement Mortgage can provide guidance. Learn more at movement.com/faith.On Today's Program, Rob Answers Listener Questions:Is it ideal for a husband and wife to share the same checking account, and how do we manage such to avoid conflict?I have a debt of about $4,300. I've been considering if I should get a balance transfer on a new card or take out a loan from my 401(k).My sister is 76 with disabilities, and I have her power of attorney. Medical facilities have had data breaches, so I was trying to freeze her credit. She's never had credit - do I need to freeze it, or can I leave it?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly MagazineMovement MortgageChristian Credit CounselorsMoney and Marriage God's Way by Howard DaytonAnnualCreditReport.comWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.
Ironic that the advice always the same. Stay the course. Hang in the there. It will get better. Yet, institutional investors, hedge funds, Warren Buffett have significantly reduced their exposure to stocks. Hedge funds sold the highest percentage of stocks in early March 2025 since the 2020 COVID correction. Warren Buffett sold the most stocks last year, both total amount and percentage, in his entire career. The concern is the reciprocal tariffs that will take affect 4.2.25. Even Trump has stated there will be a transition period. The current administration is upending decades of economic status quo. It is not Trump causing the uncertainty. The other countries' responses are causing the uncertainty. Markets hate uncertainty. The transition will be volatile. If the current administration is successful, the long-term benefit for the US will be tremendous for decades. I believe we are in for a chaotic year and a bumpy economic ride this year. It would be wise to protect your assets. Diversify. Reduce your risk. Reduce your tax liability. Increase returns safely. Increase liquidity to take advantage of future opportunities. This is the "Golden Era" of fixed assets. The best rates in 40+ years! Insured with guarantees. - Your Personal Bank policies are insured, with guarantees, income tax-free, highly liquid, and likely to increase returns for the next 5-10 years! - Fixed Index Annuities have the best upside potential in 40+ years with no downside market risk. The principle is guaranteed. Some offer signing bonuses up to 16% with strong upside potential. - Guaranteed Lifetime Income is the highest in 40+ years. Some products offer up to 30% signing bonus. Other products offer up to 10% increased guaranteed lifetime income each year you defer.
The Trump administration wants: 1. Fair trade rather than free trade. - Many countries have taken advantage of the US for decades. - Reciprocal tariffs are fair, stop taking advantage of the US. - Making things in the US eliminates tariffs. 2. Bring manufacturing back to the US, build things again. - The US barely builds anything anymore. - Important for national security. - Increase good-paying jobs. 3. Reduce government spending - Causes inflation - Spending has exploded. Debt and deficit are unsustainable. - If allowed to continue, the US would go bankrupt. Economic chaos. - Eliminating waste, fraud, and theft help reduce spending. - The US is financially in trouble. Think of the current administration as a turn-around CEO. - Turn-arounds are challenging. Cuts have to happen. It can be ugly but is necessary. The transition will be volatile. If the current administration is successful, the long-term benefit for the US will be tremendous for decades. I believe we are in for a chaotic year and a bumpy economic ride this year. It would be wise to protect your assets. Diversify. Reduce your risk. Reduce your tax liability. Increase returns safely. Increase liquidity to take advantage of future opportunities. This is the "Golden Era" of fixed assets. The best rates in 40+ years! Insured with guarantees. - Your Personal Bank policies are insured, with guarantees, income tax-free, highly liquid, and likely to increase returns for the next 5-10 years! - Fixed Index Annuities have the best upside potential in 40+ years with no downside market risk. The principle is guaranteed. Some offer signing bonuses up to 16% with strong upside potential. - Guaranteed Lifetime Income is the highest in 40+ years. Some products offer up to 30% signing bonus. Other products offer up to 10% increased guaranteed lifetime income each year you defer.
If you're looking for high-quality roofing repairs or replacements in Kansas City, Raytown-based Overton Contracting (816-493-2199) is a licensed and insured contractor that offers factory warranties on industry-leading materials. Go to https://overtoncontractingco.com for more information. Overton Contracting City: Raytown Address: 11705 E State Rte 350 C Website: https://overtoncontractingco.com
We talk insurance with Frida and take a dive into the money part of insurance and more!Follow Frida https://www.instagram.com/andrademejiaagency?igsh=NTc4MTIwNjQ2YQ==Magicmind20% off one time purchases with code SHADEOFBROWNPOD20 at checkoutYou can claim it at: https://www.magicmind.com/Use code; SHADEOFBROWNPOD for $20 Off your first purchase at https://seatgeek.com/ Use code; SHADEOFBROWN for 10% Off your entire order at https://www.dubby.gg/Need photography/videography service? Follow Inview Media https://www.instagram.com/inviewmedia_?igsh=NTc4MTIwNjQ2YQ==Instagram;https://instagram.com/shadeofbrownpod?r=nametagTiktok; https://www.tiktok.com/@shadeofbrownpodJoin our TikTok community!https://www.tiktok.com/t/ZPREG3AEo/ Start your own podcast! https://www.amazon.com/shop/shadeofbrownpod?ref_=cm_sw_r_apin_aipsfshop_aipsfshadeofbrownpod_J6RGF36GB1303E80TN25&language=en_US
In this episode of The TMA Connection, Tim sits down with Ken Barnes to discuss an often-overlooked but crucial topic—life insurance. Ken dives into why so many people skip over life insurance, thinking it's something they'll deal with “later,” and how that mindset can lead to major financial risks. He breaks down the importance of planning ahead, the different types of policies available, and how the right coverage can provide security and peace of mind for you and your loved ones. Whether you're just starting to think about life insurance or looking to refine your current plan, this conversation is packed with valuable insights to help you make informed decisions. Subscribe to The TMA Connection on your favorite podcast platform, or watch the full episode on YouTube by searching "The TMA Connection." Don't forget to like, comment, and share—your support helps us inspire more listeners!
Since early January, historic wildfires have been burning across Los Angeles. Over two dozen people have died, and more than 10,000 homes have been destroyed. Insured losses may exceed $20 billion. In the months prior to the fires, thousands of Los Angeles homeowners were dropped by insurers. Some moved over to the state-funded insurance FAIR plan while many others remained insurance-less. In this episode of “Burning Questions,” the How We Survive team surveys the devastation on the ground in the Pacific Palisades and host Amy Scott talks with Carolyn Kousky from the Environmental Defense Fund to find out if the future is insurable and what that might mean for the housing market.
Since early January, historic wildfires have been burning across Los Angeles. Over two dozen people have died, and more than 10,000 homes have been destroyed. Insured losses may exceed $20 billion. In the months prior to the fires, thousands of Los Angeles homeowners were dropped by insurers. Some moved over to the state-funded insurance FAIR plan while many others remained insurance-less. In this episode of “Burning Questions,” the How We Survive team surveys the devastation on the ground in the Pacific Palisades and host Amy Scott talks with Carolyn Kousky from the Environmental Defense Fund to find out if the future is insurable and what that might mean for the housing market.
Rancho Mesa's Alyssa Burley and Account Executive Kevin Howard discuss self-insured group alternatives. Show Notes: Subscribe to Rancho Mesa's Newsletter Director/Host: Alyssa Burley Guest: Kevin Howard Producer: Megan Lockhart Producer/Editor: Megan Lockhart Music: "Home" by JHS Pedals, “News Room News” by Spence © Copyright 2025. Rancho Mesa Insurance Services, Inc. All rights reserved.
Just when David, Allen and Abysmii were getting comfortable with this series, Paul throws a curve ball of seeming incompetence when the story forgets a certain character died in a prior chapter; meanwhile Ascott and Beatrice play dress-up to survive, and the main showdown turns into a anti-climactic Pokemon battle.Story by Paul Ernst, first published in Weird Tales, January 1936.
$100k of stuff in a storage unit, gone. Is that insured? Hour 1 1/16/2025 full 2201 Thu, 16 Jan 2025 20:00:00 +0000 0kOEWT0CALsr0CgU42Au2Y643haPsPjo news The Dana & Parks Podcast news $100k of stuff in a storage unit, gone. Is that insured? Hour 1 1/16/2025 You wanted it... Now here it is! Listen to each hour of the Dana & Parks Show whenever and wherever you want! 2024 © 2021 Audacy, Inc. News False https://player.ampe
Trey Ferro, CEO of Spot Pet Insurance, turned a lifelong love for animals into a mission to revolutionize pet care. From mimicking animal sounds as a toddler to raising millions in funding for Spot, Trey's journey blends personal passion with innovative leadership. Using AI and celebrity partnerships with names like Cesar Millan and MrBeast, he's made Spot one of North America's fastest-growing pet insurance companies. Tune in to hear how Trey is transforming pet care through technology and heart. Learn more about your ad choices. Visit megaphone.fm/adchoices
With dangerously high winds back in the forecast for Southern California today, an estimated 12,000 structures — many of them homes — have already been destroyed. While more damage and displacement is expected, what are the costs so far? One industry estimate puts insured losses in the $30 billion range. Plus, we’ll discuss this morning’s consume price index and learn more about the Securities and Exchange Commission’s lawsuit against Elon Musk.
With dangerously high winds back in the forecast for Southern California today, an estimated 12,000 structures — many of them homes — have already been destroyed. While more damage and displacement is expected, what are the costs so far? One industry estimate puts insured losses in the $30 billion range. Plus, we’ll discuss this morning’s consume price index and learn more about the Securities and Exchange Commission’s lawsuit against Elon Musk.
Morgan Winters, Director at Get Covered Illinois, joins Jon Hansen on Your Money Matters to discuss open enrollment and answer frequently asked questions. Visit GetCoveredIllinois.gov and click “Get Free Help” to make an in-person or phone appointment with their navigators.
Wildfires in Southern California, fueled by Santa Ana winds up to 100 mph, have caused massive destruction. Embers carried miles have ignited new fires, consuming over 35,000 acres and forcing 180,000 evacuations. Hard-hit areas include Altadena and Pacific Palisades, with power outages affecting nearly a million people. Insured losses may surpass $20 billion, making this potentially California's costliest wildfire disaster. Over 8,000 firefighters struggle against relentless winds, as neighborhoods turn to ash. Among those impacted is Southern California's naturist community, demonstrating resilience and solidarity amid disruption, offering a poignant glimpse into the human toll of this catastrophe.Read the original article at www(dot)planetnude(dot)co This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit www.planetnude.co/subscribe
Real 'progress' made in Gaza truce talks — Biden "United States President Joe Biden said there has been ""real progress"" toward a Gaza ceasefire deal between Israel and Hamas. Meanwhile, the humanitarian crisis deepens as the death toll surpasses 46,000 due to Israel's ongoing genocidal war against Palestinians in Gaza since October 7, 2023, with the majority of casualties being women and children and 109,378 others reported wounded." US passes bill targeting ICC sanctions over Netanyahu warrants "The US House of Representatives passed a bill, with 243 votes to 140 in favour, sanctioning the International Criminal Court in response to arrest warrants issued against Israeli Prime Minister Benjamin Netanyahu and his former defence minister Yoav Gallant. The bill, dubbed the ""Illegitimate Court Counteraction Act,"" backed by both Republicans and some Democrats, aims to protect US citizens and allies from ICC investigations. The Senate is expected to swiftly pass the legislation, allowing President-elect Donald Trump to sign it into law. The ICC issued the warrants in November 2024 for war crimes committed during Israel's Gaza invasion." Protests in Mozambique turn deadly as opposition leader Mondlane returns "At least three people were killed by police in Mozambique as they gathered to welcome opposition leader Venancio Mondlane, who returned from exile following controversial election results. Mondlane, who claims to have won the election, rejects the official results. His return sparked protests, leading to clashes with police. Nearly 300 people have killed since post-election protests erupted in October. Mondlane called for accountability and justice, but his return could further escalate tensions." Lebanese parliament elects army chief Joseph Aoun as president "Lebanese lawmakers have elected Army Chief Joseph Aoun as the country's new president. Aoun secured 99 out of 128 votes in the second round of voting. The presidency has been vacant since October 2022, creating political instability. It comes amidst international pressure to fill the position, particularly due to an impending deadline for a ceasefire agreement in south Lebanon." Wildfires in California may become the costliest disaster in US history "Wildfires in Los Angeles are on track to become the most expensive disaster in US history, with economic losses expected to approach 50 billion dollars, nearly doubling earlier estimates. Insured losses could exceed 20 billion dollars, with figures rising if fires remain uncontrolled. The death toll has climbed to seven while President Joe Biden called the-fires the worst in California's history and pledged additional federal support. Early reports indicate the event could rival past catastrophic fires like the 2018 Camp Fire, which saw insured losses of 12.5 billion dollars."
With a new year of mounting dread upon most everyone's heads, David, Allen and Abysmii decide to ease into it with the ever-comforting Luciferian antics of Doctor Satan. This time, he's getting into the insurance business is a fittingly weird way, and is once again using fire as the catalyst for his plot. How many fat businessmen will Ascott Keane sacrifice in the pursuit of his greatest foe? How many people will be added to the Faint Counter? And how in the world is Doctor Satan still unknown to the elite class that he's targeting?Story by Paul Ernst, first published in Weird Tales, January 1936.
Is the insurance industry ready to embrace collaboration as the key to modernization? How are traditional players leveraging technology to deliver customer-centric solutions while preserving their heritage? In this third installment of our series from ITC, we uncover how three industry leaders are driving innovation through strategic partnerships and cutting-edge technology. Our conversations with Dorothy Kelly of Verisk, Carlos Cendre of MAPFRE, and Steve Johnson of Insured.IO reveal how established organizations redefine success by blending tradition with innovation. Their insights highlight that transformation isn't just about adopting the latest tools—it's about addressing core customer needs and building lasting value. Episode Highlights Episode 1: Dorothy Kelly, VP of Innovation at Verisk [00:15] Verisk's approach to fostering innovation through employee-generated ideas. [03:30] The importance of aligning innovation with customer needs. [07:00] How Verisk integrates cross-divisional data for impactful solutions. Notable Quote: "Data is the currency of the future, and we're here to help companies spend it wisely." Episode 2: Carlos Cendre, Scouting and Investment Lead at MAPFRE [00:05] Insights into MAPFRE's global strategy and its significant presence in LATAM markets. [06:40] Building partnerships to address issues like climate change and cybersecurity. [09:30] Embracing trends such as embedded and parametric insurance to stay competitive. Notable Quote: "Innovation doesn't replace tradition; it builds upon it." Episode 3: Steve Johnson, Founder of Insured.IO [00:20] The importance of user experience in customer retention. [05:00] The transition from professional services to a scalable SaaS platform. [09:10] Overcoming resistance to digital transformation in established markets. Notable Quote: "Trust is earned one interaction at a time, and technology helps us get there faster." Key Themes Innovation in Insurance How industry giants foster a culture of innovation internally and through external partnerships. The critical role of customer insights in shaping new products and services. Global Strategy and Local Adaptation The balance of operating with a large global footprint while addressing local market needs effectively. Digital Transformation and User Experience The shift to mobile-first and omni-channel strategies to meet changing customer expectations. Emerging Trends The growing importance of AI, embedded insurance, and sustainability solutions. About the Guests Dorothy Kelly Dorothy Kelly is at the forefront of innovation at Verisk, where she spearheads initiatives that democratize ideation and empower employees across the organization to contribute transformative concepts. By fostering a culture of collaboration and prioritizing customer-centric solutions, Dorothy drives impactful changes that address the evolving needs of the insurance and risk management sectors. Her passion for innovation and strategic leadership ensures Verisk remains a trailblazer in its industry. Carlos Cendre Carlos Cendre leads MAPFRE's global startup collaboration efforts, where he focuses on harnessing cutting-edge innovation to address critical challenges, including climate change, cybersecurity, and other emerging trends. With a keen eye for identifying strategic partnerships and disruptive technologies, Carlos bridges the gap between traditional insurance practices and the dynamic startup ecosystem, driving meaningful progress for MAPFRE and its stakeholders. Steve Johnson Steve Johnson is the visionary founder of Insured.IO, a pioneering SaaS platform dedicated to transforming the insured experience. With a deep understanding of the insurance landscape, Steve combines technical expertise and customer insights to deliver innovative solutions that streamline processes, enhance user satisfaction, and optimize outcomes for insurers and policyholders alike. His leadership has established Insured I.O. as a leader in the insurtech space. Resources Dorothy Kelly LinkedIn Verisk Steve Johnson LinkedIn Insured.io Carlos Cendre Linkedin mapfre.com
Is the insurance industry ready to embrace collaboration as the key to modernization? How are traditional players leveraging technology to deliver customer-centric solutions while preserving their heritage? In this third installment of our series from ITC, we uncover how three industry leaders are driving innovation through strategic partnerships and cutting-edge technology. Our conversations with Dorothy Kelly of Verisk, Carlos Cendre of MAPFRE, and Steve Johnson of Insured.IO reveal how established organizations redefine success by blending tradition with innovation. Their insights highlight that transformation isn't just about adopting the latest tools—it's about addressing core customer needs and building lasting value. Episode Highlights Episode 1: Dorothy Kelly, VP of Innovation at Verisk [00:15] Verisk's approach to fostering innovation through employee-generated ideas. [03:30] The importance of aligning innovation with customer needs. [07:00] How Verisk integrates cross-divisional data for impactful solutions. Notable Quote: "Data is the currency of the future, and we're here to help companies spend it wisely." Episode 2: Carlos Cendre, Scouting and Investment Lead at MAPFRE [00:05] Insights into MAPFRE's global strategy and its significant presence in LATAM markets. [06:40] Building partnerships to address issues like climate change and cybersecurity. [09:30] Embracing trends such as embedded and parametric insurance to stay competitive. Notable Quote: "Innovation doesn't replace tradition; it builds upon it." Episode 3: Steve Johnson, Founder of Insured.IO [00:20] The importance of user experience in customer retention. [05:00] The transition from professional services to a scalable SaaS platform. [09:10] Overcoming resistance to digital transformation in established markets. Notable Quote: "Trust is earned one interaction at a time, and technology helps us get there faster." Key Themes Innovation in Insurance How industry giants foster a culture of innovation internally and through external partnerships. The critical role of customer insights in shaping new products and services. Global Strategy and Local Adaptation The balance of operating with a large global footprint while addressing local market needs effectively. Digital Transformation and User Experience The shift to mobile-first and omni-channel strategies to meet changing customer expectations. Emerging Trends The growing importance of AI, embedded insurance, and sustainability solutions. About the Guests Dorothy Kelly Dorothy Kelly is at the forefront of innovation at Verisk, where she spearheads initiatives that democratize ideation and empower employees across the organization to contribute transformative concepts. By fostering a culture of collaboration and prioritizing customer-centric solutions, Dorothy drives impactful changes that address the evolving needs of the insurance and risk management sectors. Her passion for innovation and strategic leadership ensures Verisk remains a trailblazer in its industry. Carlos Cendre Carlos Cendre leads MAPFRE's global startup collaboration efforts, where he focuses on harnessing cutting-edge innovation to address critical challenges, including climate change, cybersecurity, and other emerging trends. With a keen eye for identifying strategic partnerships and disruptive technologies, Carlos bridges the gap between traditional insurance practices and the dynamic startup ecosystem, driving meaningful progress for MAPFRE and its stakeholders. Steve Johnson Steve Johnson is the visionary founder of Insured.IO, a pioneering SaaS platform dedicated to transforming the insured experience. With a deep understanding of the insurance landscape, Steve combines technical expertise and customer insights to deliver innovative solutions that streamline processes, enhance user satisfaction, and optimize outcomes for insurers and policyholders alike. His leadership has established Insured I.O. as a leader in the insurtech space. Resources Dorothy Kelly LinkedIn Verisk Steve Johnson LinkedIn Insured.io Carlos Cendre Linkedin mapfre.com
Is the insurance industry ready to embrace collaboration as the key to modernization? How are traditional players leveraging technology to deliver customer-centric solutions while preserving their heritage? In this third installment of our series from ITC, we uncover how three industry leaders are driving innovation through strategic partnerships and cutting-edge technology. Our conversations with Dorothy Kelly of Verisk, Carlos Cendre of MAPFRE, and Steve Johnson of Insured.IO reveal how established organizations redefine success by blending tradition with innovation. Their insights highlight that transformation isn't just about adopting the latest tools—it's about addressing core customer needs and building lasting value. Episode Highlights Episode 1: Dorothy Kelly, VP of Innovation at Verisk [00:15] Verisk's approach to fostering innovation through employee-generated ideas. [03:30] The importance of aligning innovation with customer needs. [07:00] How Verisk integrates cross-divisional data for impactful solutions. Notable Quote: "Data is the currency of the future, and we're here to help companies spend it wisely." Episode 2: Carlos Cendre, Scouting and Investment Lead at MAPFRE [00:05] Insights into MAPFRE's global strategy and its significant presence in LATAM markets. [06:40] Building partnerships to address issues like climate change and cybersecurity. [09:30] Embracing trends such as embedded and parametric insurance to stay competitive. Notable Quote: "Innovation doesn't replace tradition; it builds upon it." Episode 3: Steve Johnson, Founder of Insured.IO [00:20] The importance of user experience in customer retention. [05:00] The transition from professional services to a scalable SaaS platform. [09:10] Overcoming resistance to digital transformation in established markets. Notable Quote: "Trust is earned one interaction at a time, and technology helps us get there faster." Key Themes Innovation in Insurance How industry giants foster a culture of innovation internally and through external partnerships. The critical role of customer insights in shaping new products and services. Global Strategy and Local Adaptation The balance of operating with a large global footprint while addressing local market needs effectively. Digital Transformation and User Experience The shift to mobile-first and omni-channel strategies to meet changing customer expectations. Emerging Trends The growing importance of AI, embedded insurance, and sustainability solutions. About the Guests Dorothy Kelly Dorothy Kelly is at the forefront of innovation at Verisk, where she spearheads initiatives that democratize ideation and empower employees across the organization to contribute transformative concepts. By fostering a culture of collaboration and prioritizing customer-centric solutions, Dorothy drives impactful changes that address the evolving needs of the insurance and risk management sectors. Her passion for innovation and strategic leadership ensures Verisk remains a trailblazer in its industry. Carlos Cendre Carlos Cendre leads MAPFRE's global startup collaboration efforts, where he focuses on harnessing cutting-edge innovation to address critical challenges, including climate change, cybersecurity, and other emerging trends. With a keen eye for identifying strategic partnerships and disruptive technologies, Carlos bridges the gap between traditional insurance practices and the dynamic startup ecosystem, driving meaningful progress for MAPFRE and its stakeholders. Steve Johnson Steve Johnson is the visionary founder of Insured.IO, a pioneering SaaS platform dedicated to transforming the insured experience. With a deep understanding of the insurance landscape, Steve combines technical expertise and customer insights to deliver innovative solutions that streamline processes, enhance user satisfaction, and optimize outcomes for insurers and policyholders alike. His leadership has established Insured I.O. as a leader in the insurtech space. Resources Dorothy Kelly LinkedIn Verisk Steve Johnson LinkedIn Insured.io Carlos Cendre Linkedin mapfre.com
Happy New Year! In this New Year's Day episode 373, esteemed lunatic racer Corey Dickman joins us as we totally go off the rails. Tim is learning to train Zebras, Chrissy deals with a retching cat, Chris is really, really going to sell the MG, no really… and Mental almost poops himself. Really we recount how everyone but Chrissy failed their 2024 goals spectacularly. Then we set even loftier goals for 2025! Amazon Launched Amazon Autos (Kirsten Korosec @ Tech Crunch) https://techcrunch.com/2024/12/10/amazon-is-officially-in-the-online-car-sales-business/ The Cars We Lost In 2024 (Erin Marquis @ Jalopnik) https://jalopnik.com/these-are-the-cars-that-died-in-2024-1851730052 Build a Manual AMG Sedan from Junkyard Bits! (Thomas Hundai @ The Autopian) https://www.theautopian.com/geniuses-are-using-junkyard-chrysler-crossfire-parts-to-build-manual-mercedes-amgs/ Don't Die Cleaning Metal for Welding https://www.schuettemetals.com/blog/welding-danger-mustard-gas Racing Junk Pro Membership for $24.98! https://www.racingjunk.com/member_upgrade?p_code=newyear2025&level=CLUB2www.racingjunk.com/member_upgrade?p_code=yearlybf&level=CLUB2 Running, tagged Insured 2006 BMWxi for $500 on Racing Junk https://www.racingjunk.com/24-hours-of-lemons-cars-and-equipment-for-sale/184643999/2006-bmw-325xi.html?category_id=4&photos=&video=&location_distance=&location_zip=&year_min=&year_max=&price_min=&price_max=&seller_type=&condition=&search=&state=&country=&province=&date=&order=price-low-high&np_offset=23 The North Carolina Center for Automotive Research. https://www.facebook.com/p/North-Carolina-Center-for-Automotive-Research-NCCAR-Inc-100057509227848/ https://nccar.us/?fbclid=IwZXh0bgNhZW0CMTAAAR2NmnlfT5dg1fOVIpgdFoGfujpDzO8Y-kfQsJRJ_kkJ7Pu89Q7E6404L-s_aem_TfaUooepe9tNqSboyVfxdA Our Website - https://everyoneracers.com/ Download or stream here - https://open.spotify.com/show/5NsFZDTcaFlu4IhjbG6fV9 https://www.youtube.com/channel/UCPrTs8wdzydOqbpWZ_y-xEA - Our YouTube
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Are you on the board of directors of a company? Or are you a shareholder of a publicly traded company? Or are you a CEO or a CFO or in-house counsel who reports to a board of directors or these shareholders? Well, this show is for you. And it's about how the healthcare industry has become financialized at the same time that providing health benefits has become the second-biggest line item after payroll for most companies. We talked about that in a recent encore with Mark Cuban (EP418) also, as well as the show with Cora Opsahl (EP452) and Claire Brockbank (EP453) from 32BJ. For a full transcript of this episode, click here. If you enjoy this podcast, be sure to subscribe to the free weekly newsletter to be a member of the Relentless Tribe. So, this encore with Andreas Mang is really timely. And even if you've listened to the show when it originally aired a year ago, you may want to take another listen, because in the context of these recent shows, this one really slots right in there. And also, by the way, the one with Julie Selesnick (EP428) from last year talking about the legal jeopardy currently in play. So, this show isn't really about health benefits; it's about the business that these health benefits have become and how, if the CEO or CFO of an employer is not intimately involved in the financial layer wrapping around health benefits, then the company is getting really taken advantage of by those entities who are intimately familiar with the financial layer surrounding those healthcare benefits. And the employees of that company also are getting equally taken advantage of. This is not a case where paying more or less results in better or worse employee health or healthcare. It is a case where not minding the shop in the C-suite means that financial actors just take more of the pie and nobody wins but them. Employer loses; employee loses. Andreas Mang, my guest today, kicks off this interview talking about the conversation that will go down between himself and any CEO whose company gets bought by Blackstone. So, if you're a CEO and you're aspiring for this to happen, yeah … heads up. But he says it's kind of an unnatural act to dig into anything that smells like health benefits or health insurance. Some may not even realize that this whole financial layer has developed that sits above the healthcare benefits themselves. And they also may not think that there's anything that's possible that can be done. As far as both of these points are concerned, Andreas Mang gives a list of, as he calls them, easy things a C-suite can do to save 10% while improving employee satisfaction and health. Saving 10% or more, this can be a really big number. A lot of this is just enforcing purchasing discipline that is being used elsewhere. Here's Andreas's list recapped: 1. Have CFO engagement throughout the year. (We talked about that with Mark Cuban also.) 2. Be self-insured once you have reached a certain size. (Andreas gets into this in more detail during the show itself.) 3. Be very, very careful who you hire as your broker or benefits consultant. There are five things that need to be true: · They have the experience to do the job. · Flat-fee model compensation · No product pushing · Fees at risk (30% or more) · Simple termination provisions 4. Do carrier/ASO/TPA RFPs once every three years or thereabouts. 5. Do dependent eligibility audits. (Cora Opsahl talked a lot about this also in an earlier episode [EP372].) 6. Leverage pharmacy coalitions and stop-loss collectives. (In the show itself, Andreas offers some warnings because some of these coalitions and collectives are great and some are not.) But bottom line, just keep in mind, as Mark Cuban said (EP418), those that are taking your money, your company's money, are advantaged when you are confused. Where there's mystery, there's margin. If you can't convince 'em, confuse 'em and all that. This is a business strategy. Healthcare should not be this complicated. But yet, it has become so; and anyone who doesn't realize that is letting themselves and their employees really get taken advantage of. Unknown unknowns are not benign. As I have said several times already, Andreas Mang is my guest today. He is a partner at Blackstone, the private equity and alternative asset manager. His job is helping portfolio companies manage their U.S. healthcare benefits for their employees. Also mentioned in this episode are Blackstone, Mark Cuban, Cora Opsahl, Claire Brockbank, Julie Selesnick, Lauren Vela, and Tom Nash. You can learn more at Blackstone and by connecting with Andreas on LinkedIn. Andreas Mang is senior managing director, portfolio operations, and chief executive officer of Equity Healthcare, where he is involved in managing medical benefits spend across the Blackstone portfolio. Andreas brings 20 years of healthcare experience to Equity Healthcare, having held various roles in healthcare finance, operations, and strategy. Prior to joining Blackstone, Andreas was the vice president responsible for national provider network operations at CareCentrix, a PE-backed, leading home health benefit-management company. At Blue Cross Blue Shield of Massachusetts, he held a variety of roles, including a leadership role identifying and implementing administrative cost savings opportunities throughout the organization and ultimately designing a new corporate business model. In addition, he held roles as the manager of strategic financial planning at Harvard Pilgrim Health Care and was a senior consultant with Deloitte Consulting's Strategy and Operations group in Boston. Andreas has a bachelor's degree in healthcare management and policy from the University of New Hampshire and an MBA from the University of Rochester's Simon School of Business Administration. He currently serves on the board of DECA Dental. 04:55 Why Andreas starts every conversation with the question, “How's your healthcare company?” 07:38 Why is it important, as a self-insured employer, to treat your business as a small healthcare company? 09:16 Why is it unnatural for companies to be providing health insurance? 10:47 What can be achieved when there is alignment between employers and insurers? 12:41 What things can a company do to reduce spend by 10%? 14:14 Why is it better to have CFO engagement in the benefits plan throughout the year? 16:25 Why does self-insurance save 5% to 9% for companies automatically? 18:14 “The funding isn't a healthcare thing; it's a CFO thing.” 18:27 Why is it vital to have a reliable, trustworthy broker? 25:12 When is the last time your company has RFP'd their health plan? 27:39 Why does changing a health plan feel scary but is necessary? 28:31 What is a dependent eligibility audit? 31:20 Why are employers better together? 34:34 How do employers truly get a flat-fee model with brokers? You can learn more at Blackstone and by connecting with Andreas on LinkedIn. Andreas Mang of @blackstone discusses the financialization of #healthcarebenefits in our #healthcarepodcast. #healthcare #podcast #digitalhealth #healthcareleadership #healthcaretransformation #healthcareinnovation Recent past interviews: Click a guest's name for their latest RHV episode! Dr Komal Bajaj, Cynthia Fisher, Stacey Richter (INBW40), Mark Cuban and Ferrin Williams (Encore! EP418), Rob Andrews (Encore! EP415), Brian Reid, Dr Beau Raymond, Brendan Keeler, Claire Brockbank, Cora Opsahl
Sources are telling CNN that authorities have executed as many as three search warrants in New York as part of their investigation into the killing of UnitedHealthcare CEO Brian Thompson. At least two of the warrants include the backpack found in Central Park and the burner phone found near where the shooting occurred, according to a law enforcement source with knowledge of the investigation. Anderson shares what we have learned so far, and what we still don't know about the suspect. Plus, what the White House said today about the mysterious drones flying at nighttime over many parts of New Jersey. Learn more about your ad choices. Visit podcastchoices.com/adchoices
Luigi Mangione, the suspect in the murder of UnitedHealthcare CEO Brian Thompson, was never insured by the company, according to a spokesperson for UnitedHealth Group. A woman in North Carolina, known false allegations against Duke lacrosse players confesses to fabricating the whole thing. Drew Nelson reports.See omnystudio.com/listener for privacy information.
People ask for advice on their health insurance and health debt often. They also ask for updates on my case, which I've been scared to provide. In light of current events, I got a lot of folks suddenly asking “what ever happened with your thing, Phil?” So here it is…hopefully the last update on this whole mess. I hope this helps someone. Feel free to message me if you think I can help, or see the letter in my video description that I sent to various entities. I'm not a lawyer and never worked with a lawyer in this case, but it worked for me so maybe this is useful as a template.Video version of this podcast: https://youtu.be/WO5UlAyBWx0NPR story: https://www.npr.org/sections/health-shots/2021/07/29/1021197432/cyclists-olympic-dream-becomes-200-000-medical-bill-nightmareOriginal video from the hospital: https://m.youtube.com/watch?v=-vwg_wj65SM&t=340s
This show from last year was one of the most popular episodes of the past year. And it's also extremely relevant right now, given all of the PBM (pharmacy benefit manager) goings-on, as well as ongoing litigation like the J&J lawsuit, etc. Listen to the show with Julie Selesnick (EP428) for more on that one. For a full transcript of this episode, click here. If you enjoy this podcast, be sure to subscribe to the free weekly newsletter to be a member of the Relentless Tribe. Also, Brian Reid (EP456) in the episode from a couple of weeks ago. And he talks about how Mark Cuban's way of communicating and framing some of the issues with the big PBMs and just all of the perverse incentives in the drug supply chain. He says this way of communicating is “the chef's kiss.” So, besides the insights here that follow being relevant in and of themselves, there's also some lessons just in how those issues are teed up and communicated that we all can learn from. CEOs and CFOs … hey, this show is for you. Let's start here: What do all of these numbers have in common: $140,000, $3 million, $35 million, and $3 billion? These are all actual examples of how much employers, unions, and some public entities saved on healthcare benefits for themselves and their employees. The roadmap to saving 25% on pharmacy spend and/or 15% on total cost of care in ways that improve employee health and satisfaction always begins when one thing happens. There's one vital first step. That first step is CEOs and/or CFOs or their equivalents roll up their sleeves and get involved in healthcare benefits. Why can't much happen without you, CEOs and CFOs? Here's the IRL: In 2023, the healthcare industry has been financialized. There is a whole financial layer in between your company and its healthcare benefits. And unless the C-suite is involved here and bringing their financial acumen and organizational willpower to the equation, your company and your employees are currently paying hundreds of thousands, maybe millions, of dollars too much and doing so within a business model that deeply exacerbates inequities. There are people out there who are very strategically taking wild advantage of a situation where CEOs/CFOs fear anything to do with healthcare in the title and don't do their normal level of due diligence. You think it's an accident that this whole space got so “complicated”? HR needs your help. Bottom line, if you are a CEO or CFO and you do not know everything that Mark Cuban and Ferrin Williams talk about on the pod today … wow, are you getting shellacked. Mark Cuban uses a different word. Healthcare benefits are, after all, for most companies the second biggest line-item expense after payroll. But don't despair here, because all of this information is really and truly actionable. Others out there are cutting zeros off of their spend and actually doing it in ways that are a total win for employees as well. My guest today, Mark Cuban, is a CEO, after all; and when he looked into it, it took him T-minus ten minutes to figure out just the order of magnitude that his “trusted” benefits consultants and PBM and ASOs (administrative services only) and others were extracting from his business. He pushed back. So can you. But just another reason to dig into that financial layer wrapping around your employee health benefits right now, you might get sued by your employees. Below is an ad currently being circulated on LinkedIn by class action attorneys recruiting employee plan members to sue their employers for ERISA (Employee Retirement Income Security Act of 1974) violations. It's the same attorneys, by the way, from those 401(k) class action lawsuits. I've talked to a few CEOs and CFOs who are scrambling to get ahead of that. You might want to consider doing so as well. Now, for my HR professional listeners, considering that some of what Mark Cuban says in the pod that follows is indeed a little spicy, let me just recognize that the struggle is real. There are multiple competing priorities out there in the real world, for sure. And bottom line, because of those multiple competing priorities out there in the real world, it's really vital that everybody work together up and down the organization in alignment. Lauren Vela talks a lot about these realities here in episode 406. This is a longer show than normal, but it's also like a show and a half. Mark Cuban talks not only about his work with Mark Cuban Cost Plus Drugs, which is a company that buys drugs direct from manufacturers and sells them for cost plus 15%, a dispensing fee, and shipping. It's kind of crazy how so often that price is cheaper, sometimes considerably cheaper, than the price that plan members would have paid using their insurance—and the price that the plan is currently paying the PBM. Most Relentless Health Value Tribe members (ie, regular listeners of this show) will already know that, but what is also fascinating that Mark talks about is what he's doing with his own businesses and the Mavericks on other fronts, like dealing with hospital prices. In this show, we also talk the language of indie pharmacies, fee-only benefits consultants, TPAs (third-party administrators), PBMs, and providers doing direct contracting. There are, in fact, entities out there trying to do the right thing; and Mark acknowledges that. Ferrin Williams, PharmD, MBA, who is also my guest today, is chief pharmacy officer at Scripta and an expert in pharmacy benefits. She adds some great points and some context to this conversation. Scripta is partnering with Mark Cuban Cost Plus Drugs. Scripta has a neat Med Mapper tool and also services to help employees find the lowest costs for their prescriptions. If you are a self-insured employer, for sure, check out Scripta. Here are links to other shows that you should listen to now if you are inspired to take action. I would recommend the shows with Paul Holmes (EP397); Dan Mendelson (EP385); Andreas Mang (EP419); Rob Andrews (EP415); Cora Opsahl (EP372); Lauren Vela (EP406); Peter Hayes (EP346); Gloria Sachdev, PharmD, and Chris Skisak, PhD (EP390); and Mike Thompson (EP389). Also Mark Cuban mentions in this show the beverage distributor L&F Distributors. Thanks to Ge Bai, Andreas Mang, Lauren Vela, Andrew Gordon, Andrew Williams, Cora Opsahl, Kevin Lyons, Pat Counihan, David Dierk, Connor Dierk, John Herrick, Helen Pfister, Kristin Begley, AJ Loiacono, and Joey Dizenhouse for your help preparing for this interview. Also mentioned in this episode are Mark Cuban Cost Plus Drug Company; Scripta Insights; Julie Selesnick; Brian Reid; Paul Holmes; Dan Mendelson; Rob Andrews; Peter Hayes; Gloria Sachdev, PharmD; Chris Skisak, PhD; Mike Thompson; and Scott Conard, MD. You can learn more at Mark Cuban Cost Plus Drug Company and Scripta Insights. You can also connect with Scripta and Ferrin on LinkedIn. Mark Cuban has been a natural businessman since the age of 12. Selling garbage bags door to door, the seed was planted early on for what would eventually become long-term success. After graduating from Indiana University—where he briefly owned the most popular bar in town—Mark moved to Dallas. After a dispute with an employer who wanted him to clean instead of closing an important sale, Mark created MicroSolutions, a computer consulting service. He went on to later sell MicroSolutions in 1990 to CompuServe. In 1995, Mark and longtime friend Todd Wagner came up with an internet-based solution to not being able to listen to Hoosiers basketball games out in Texas. That solution was Broadcast.com—streaming audio over the internet. In just four short years, Broadcast.com (then Audionet) would be sold to Yahoo! Since his acquisition of the Dallas Mavericks in 2000, Mark has overseen the Mavs competing in the NBA Finals for the first time in franchise history in 2006—and becoming NBA World Champions in 2011. Mark first appeared as a “Shark” on the ABC show Shark Tank in 2011, becoming the first ever to live Tweet a TV show. He has been a star on the hit show ever since and is an investor in an ever-growing portfolio of small businesses. Mark is the best-selling author of How to Win at the Sport of Business. He holds multiple patents, including a virtual reality solution for vestibular-induced dizziness and a method for counting objects on the ground from a drone. He is the executive producer of movies that have been nominated for seven Academy Awards: Good Night and Good Luck and Enron: The Smartest Guys in the Room. Mark established Sharesleuth, a research and investigation Web site to uncover fraud in financial markets, and endowed the Electronic Frontier Foundation's Mark Cuban Chair to Eliminate Stupid Patents, an effort to fight patent trolls. Mark gives back to the communities that promoted his success through the Mark Cuban Foundation. The Foundation's AI Bootcamps Initiative hosts free Introduction to AI Bootcamps for low-income high schoolers, starting in Dallas. Mark also saved and annually funds the Dallas Saint Patrick's Day Parade, the largest parade in Dallas and a city institution. In January 2022, he started Mark Cuban Cost Plus Drug Company as an effort to disrupt the drug industry and to help end ridiculous drug prices because every American should have access to safe, affordable medicines. Ferrin Williams, PharmD, MBA, is chief pharmacy officer of Scripta. With 15+ years' experience in the pharmacy industry, Ferrin brings a unique perspective to Scripta that spans the retail pharmacy, pharmacy benefit manager (PBM), and broker/consulting sectors. Her expertise ranges from pharmacy operations and services to innovative clinical programs, pharmacy audit, alternative payer funding, and specialty drugs. As chief pharmacy officer, Ferrin leads the company's clinical strategies organization responsible for devising innovative cost-containment strategies for prescription drugs, ensuring Scripta clients, members, and their providers are provided with best-in-class clinical insights and tools. Ferrin earned her bachelor's, Doctor of Pharmacy, and MBA degrees from the University of Oklahoma. 06:29 What was Mark Cuban's own journey as a self-insured employer with Cost Plus Drug Company? 07:44 What did Mark find when he decided to go through and look through his company's benefit program? 09:12 “When you think it through, you start to realize that money is being spent primarily by your sickest employees.” —Mark 10:02 How do you get CEOs and CFOs of self-insured employers to realize that their sickest employees are the ones subsidizing their checks? 13:00 What is the role of insurance in healthcare? 14:30 “If you can't convince them, confuse them and hide it.” —Mark 15:24 The reality behind getting a rebate check. 16:21 Why are rebates going away, and why isn't that changing PBM earnings? 19:05 How do you get CEOs and CFOs to dig into their benefits plan? 20:59 Does morally abhorrent move the needle? 21:33 “What we're trying to do is just simplify the [healthcare] industry.” —Mark 24:19 What's been changing in consumer behavior? 25:04 “Transparency is a huge part of building that trust.” —Ferrin 25:19 Why CEOs and CFOs really have the power to change healthcare. 32:29 What are Cost Plus Drugs' plans to expand? 39:21 Where is the future of the prescription drug market going? 42:09 What will happen to the prescription drug market in 10 to 20 years? 48:40 The wake-up call self-insured employers should be acknowledging now. 52:02 Where is the real change in the healthcare industry going to come from? You can learn more at Mark Cuban Cost Plus Drug Company and Scripta Insights. You can also connect with Scripta and Ferrin on LinkedIn. @mcuban and Ferrin Williams provide advice for #CEOs and #CFOs of #selfinsuredemployers on our #healthcarepodcast. #healthcare #podcast #digitalhealth #valuebasedcare #healthcareoutcomes Recent past interviews: Click a guest's name for their latest RHV episode! Rob Andrews (Encore! EP415), Brian Reid, Dr Beau Raymond, Brendan Keeler, Claire Brockbank, Cora Opsahl, Dan Nardi, Dr Spencer Dorn (EP451), Marilyn Bartlett, Dr Marty Makary
It's not easy work standing over a hot fryer making french fry rings all day, so today's fry cook isn't in the best mood when the cashier starts complaining. After the lunch rush, the employees sneak out and step over to the neighboring gas station parking lot for a fistfight. Notable Timestamps [ 00:26 ] - At DonutBurgers, two employees are still on the clock and in their uniforms when they leave the premises for a fight. [ 01:39 ] - Cold or hot? Curly or shoestring? Salt or no salt? The team discusses the best fast food fries. [ 03:25 ] - Insurance generally covers defense against claims seeking damages for bodily injury, if caused by an occurrence. [ 04:35 ] - The concept of an occurrence is related to fortuity, as in, insurance is generally intended to cover accidents, not purposeful actions. [ 05:20 ] - The definition of occurrence and the Expected or Intended Injury Exclusion usually operate to preclude defense of an employee for their assaults... [ 06:00 ] - ...but the employer is often sued for negligent hiring, negligent background investigation, negligent training, negligent supervision, etc. [ 07:15 ] - The policy in this scenario only covered employees for acts within the scope of their employment. [ 08:15 ] - In the case upon which this scenario was based, the court held in favor of the insurer even though negligence was alleged, because the crux of the complaint centered on intentional conduct unrelated to business operations. [ 10:30 ] - Nevada law supports the interpretation that there is no occurrence under these facts, so the action taking place off-premises likely did not impact the result. [ 12:22 ] - Brennan provides a recap of the scenario and the points above. Your PLRB Resources Safety Nat'l. Cas. Corp. v. Bender (2024) 2024 U.S. Dist. LEXIS 159524 (D. Nev. 9/4/24) - https://www.plrb.org/documents/safety-natl-cas-corp-v-bender-2024/ GL17 – Occurrence/Accident Defined - https://www.plrb.org/documents/gl17-occurrence-accident-defined/ Can There Be an “Occurrence” When the Insured's Employee Deliberately Strikes a Customer With a Baseball Bat? 2022.01.18 - https://www.plrb.org/documents/can-there-be-an-occurrence-when-the-insureds-employee-deliberately-strikes-a-customer-with-a-baseball-bat-2022-01-18/ Employees of member companies also have access to a searchable legal database, hundreds of hours of video trainings, building code materials, weather data, and even the ability to have your coverage questions answered by our team of attorneys (https://www.plrb.org/ask-plrb/) at no additional charge to you or your company. Subscribe to this Podcast Your Podcast App - Please subscribe and rate us on your favorite podcast app YouTube - Please like and subscribe at @plrb LinkedIN - Please follow at “Property and Liability Resource Bureau” Send us your Scenario! Please reach out to us with your scenario! This could be your “adjuster story” sharing a situation from your claims experience, or a burning question you would like the team to answer. In any case, please omit any personal information as we will anonymize your story before we share. Just reach out to scenario@plrb.org. Legal Information The views and opinions expressed in this resource are those of the individual speaker and not necessarily those of the Property & Liability Resource Bureau (PLRB), its membership, or any organization with which the presenter is employed or affiliated. The information, ideas, and opinions are presented as information only and not as legal advice or offers of representation. Individual policy language and state laws vary, and listeners should rely on guidance from their companies and counsel as appropriate. Music: “Piece of Future” by Keyframe_Audio. Pixabay. Pixabay License. Font: Metropolis by Chris Simpson. SIL OFL 1.1. Icons: FontAwesome (SIL OFL 1.1) and Noun Project (royalty-free licenses purchased via subscription). Sound Effects: Pixabay (Pixabay License) and Freesound.org (CC0).
It's the final days of the 2024 campaign, and Republicans are suddenly talking again about making changes to the Affordable Care Act if former President Donald Trump wins. Meanwhile, new reporting uncovers more maternal deaths under state abortion bans — and a case in which a Nevada woman was jailed after a miscarriage. Lauren Weber of The Washington Post, Shefali Luthra of The 19th, and Jessie Hellmann of CQ Roll Call join KFF Health News' Emmarie Huetteman to discuss these stories and more. Also this week, KFF Health News' Julie Rovner interviews Irving Washington, a senior vice president at KFF and the executive director of its Health Misinformation and Trust Initiative.Plus, for “extra credit,” the panelists suggest health policy stories they read this week that they think you should read, too: Emmarie Huetteman: KFF Health News' “‘Dreamers' Can Enroll in ACA Plans This Year — But a Court Challenge Could Get in the Way,” by Julie Appleby. Lauren Weber: The New York Times' “What Drugmakers Did Not Tell Volunteers in Alzheimer's Trials,” by Walt Bogdanich and Carson Kessler. Shefali Luthra: NBC News' “They're Middle Class and Insured. Childbirth Still Left Them With Crippling Debt,” by Aria Bendix. Jessie Hellmann: ProPublica's “‘Not Medically Necessary': Inside the Company Helping America's Biggest Health Insurers Deny Coverage for Care,” by T. Christian Miller, ProPublica; Patrick Rucker, The Capitol Forum; and David Armstrong, ProPublica. Also mentioned on this week's podcast: KFF Health News' “Ghosts, Ghouls, and Ghastly Drug Prices in Winning Halloween Haikus.” A transcript of this episode will be available Nov. 1. Hosted on Acast. See acast.com/privacy for more information.
Alex Leishman discusses River's recent report on the 30% growth in business Bitcoin adoption, detailing trends in cross-border payments, treasury management, and the unique ways businesses are integrating Bitcoin. He also touches on River's major new service, the importance of proof of reserves, and shares insights on how companies can navigate volatility in the crypto space. IN THIS EPISODE YOU'LL LEARN: 00:00 - Intro 01:46 - Why Bitcoin adoption among businesses grew by 30% in just one year 12:37 - How private companies are outpacing public firms in Bitcoin holdings 14:53 - The future growth trajectory of business Bitcoin holdings through 2026 15:54 - Three key areas where Bitcoin adds value for businesses beyond treasury management 27:34 - River's new service offering interest on FDIC-insured cash deposits 30:05 - What big banks may misunderstand in the coming Bitcoin bull cycle 32:12 - How Alex Leishman stays balanced and his personal hobbies outside of work 34:26 - Top advice for newcomers to the cryptocurrency space 35:55 - Strategies for managing the volatility of Bitcoin Disclaimer: Slight discrepancies in the timestamps may occur due to podcast platform differences. BOOKS AND RESOURCES Check out River's Exchange Services. River's recent report on Corporate Bitcoin Adoption. Alex on X (Twitter). Check out all the books mentioned and discussed in our podcast episodes here. Enjoy ad-free episodes when you subscribe to our Premium Feed. NEW TO THE SHOW? Join the exclusive TIP Mastermind Community to engage in meaningful stock investing discussions with Stig, Clay, Kyle, and the other community members. Follow our official social media accounts: X (Twitter) | LinkedIn | | Instagram | Facebook | TikTok. Check out our Bitcoin Fundamentals Starter Packs. Browse through all our episodes (complete with transcripts) here. Try our tool for picking stock winners and managing our portfolios: TIP Finance Tool. Enjoy exclusive perks from our favorite Apps and Services. Stay up-to-date on financial markets and investing strategies through our daily newsletter, We Study Markets. Learn how to better start, manage, and grow your business with the best business podcasts. SPONSORS Support our free podcast by supporting our sponsors: River 7-Eleven Toyota Daloopa Bluehost TastyTrade Miro Public American Express The Bitcoin Way ReMarkable Fundrise Facet Onramp SimpleMining Vanta Shopify Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://theinvestorspodcastnetwork.supportingcast.fm
There are many things in life that are necessary, like food, water, clothes to wear, and education. We also need insurance. In this week's episode, Karl sits down with a couple insurance agents from Louisiana Farm Bureau Insurance to discuss their field of work which is often misunderstood.Start the conversation with a Louisiana Farm Bureau agent today here.Become a member of Louisiana Farm Bureau today. Learn more about Louisiana Farm Bureau member benefits here.
Do I Need Insurance? A Mental Model to Analyze Methods of Dealing With Risk RPF0091
Double insured: Is it illegal? It's certainly expensive. Hour 3 9/9/2024 full 2080 Mon, 09 Sep 2024 21:00:00 +0000 tbDfc21qJ3ChgwLYGBDai9EwCEWl04Ot news The Dana & Parks Podcast news Double insured: Is it illegal? It's certainly expensive. Hour 3 9/9/2024 You wanted it... Now here it is! Listen to each hour of the Dana & Parks Show whenever and wherever you want! 2024 © 2021 Audacy, Inc.
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