Equitable transfer of the risk of a loss, from one entity to another in exchange for payment
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A conversation with Neal ShahThe healthcare insurance system is on the cusp of collapsing.Enter former Wall Street hedge fund manager Neal Shah, who channelled personal experiences of managing care for family members into a mission for transforming our entire system.As CEO of social enterprise and health tech platform CareYaya and Chairman of Counterforce Health, Neal is dedicated to spearheading a revolution: bringing direct relationships to the forefront and bypassing huge corporations.With costs rising, health statistics worsening, a workforce tiring, a population ageing - the time is now to act for change.—We spoke about concepts from his new book Insured to Death, the systemic failures of health insurance in America, how patients can use AI and advocacy to challenge claim denials, and what it will take to build a more humane, transparent system that serves us all.Follow me on Instagram and Facebook @ericfethkemd and checkout my website at www.EricFethkeMD.com. My brand new book, The Privilege of Caring, is out now on Amazon! https://www.amazon.com/dp/B0CP6H6QN4
Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3224: Sam challenges the assumption that financial independence eliminates the need for life insurance, offering seven compelling reasons to maintain or purchase a policy, even when you can self-insure. From estate liquidity to tax efficiency and protecting future dependents, he outlines how the peace of mind life insurance brings often outweighs the cost, especially for those with families or complex asset portfolios. Read along with the original article(s) here: https://www.financialsamurai.com/get-life-insurance-financially-independent-can-self-insure/ Quotes to ponder: "You may leave behind stocks, bonds, real estate, fine art, and collectibles, but they require an extra step to become liquid." "If you think you've got a greater chance of dying before the term limit is up, then life insurance becomes a better deal." "Providing peace of mind to your loved ones is a major reason why people buy life insurance." Learn more about your ad choices. Visit megaphone.fm/adchoices
Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3224: Sam challenges the assumption that financial independence eliminates the need for life insurance, offering seven compelling reasons to maintain or purchase a policy, even when you can self-insure. From estate liquidity to tax efficiency and protecting future dependents, he outlines how the peace of mind life insurance brings often outweighs the cost, especially for those with families or complex asset portfolios. Read along with the original article(s) here: https://www.financialsamurai.com/get-life-insurance-financially-independent-can-self-insure/ Quotes to ponder: "You may leave behind stocks, bonds, real estate, fine art, and collectibles, but they require an extra step to become liquid." "If you think you've got a greater chance of dying before the term limit is up, then life insurance becomes a better deal." "Providing peace of mind to your loved ones is a major reason why people buy life insurance." Learn more about your ad choices. Visit megaphone.fm/adchoices
Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3224: Sam challenges the assumption that financial independence eliminates the need for life insurance, offering seven compelling reasons to maintain or purchase a policy, even when you can self-insure. From estate liquidity to tax efficiency and protecting future dependents, he outlines how the peace of mind life insurance brings often outweighs the cost, especially for those with families or complex asset portfolios. Read along with the original article(s) here: https://www.financialsamurai.com/get-life-insurance-financially-independent-can-self-insure/ Quotes to ponder: "You may leave behind stocks, bonds, real estate, fine art, and collectibles, but they require an extra step to become liquid." "If you think you've got a greater chance of dying before the term limit is up, then life insurance becomes a better deal." "Providing peace of mind to your loved ones is a major reason why people buy life insurance." Learn more about your ad choices. Visit megaphone.fm/adchoices
Some leading economists and mathematicians built a computer model of the US economy to run various scenarios. Because this was such a big math problem, they used thousands of NASA and Amazon computers. The computers were unable to create a working model because of the rising debt. Us Government Debt is currently over $36 Trillion. The increasing interest on the debt is unsustainable. The computers projected interest on the debt would consume one-third of all tax revenues within a decade. In 20 years, interest on the debt was estimated to be about 80% of tax revenue. With the vast majority of revenues consumed by interest payments, there is not enough money remaining to pay for maintaining infrastructure, military, or other government services. Economic chaos is the likely result. Many argue what would happen; Austerity Measures, Depression, Hyperinflation, ect. The reality is there are no good options. The best option is to avoid economic chaos. The good news is the computers estimated we have about 20 years before economic collapse. This gives us some time to fix the problem. But the longer we wait, the more drastic the solution. The solution is obvious: 1. Increase income. 2. Reduce spending. The Trump administration is aggressively taking steps to increase income (GDP) thru increasing tariff income, using tariff policy to reshore manufacturing, and encouraging investment in America. DOGE found billions in waste and fraud. The Big, Beautiful Bill reduces spending about 2%. Deporting illegal aliens will reduce government welfare spending by billions of dollars. Further government reductions of spending are promised in the future. There has been push-back on spending reductions, mostly from the court system. Many of the district court rulings have been overturned by Appellate Courts or the US Supreme Court. It is not predetermined that the US economy crashes due to excessive debt. But major changes in income and spending have to be made. This will be a generational change to the US economy. Regardless of what happens, there will be a significant transition period. The US government's lack of financial responsibility creates an opportunity. 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 due to higher bond yields. - 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.
What do toxic personal trainers, awkward small talk, and gym crushes have in common? They're all part of the unspoken world of gym culture where sweat, stereotypes, and social cues collide.In today's episode of The Daily Ketchup, the cast dives into the unfiltered realities of working out in shared spaces. From Alison's unforgettable gym drama to heated takes on the “perfect gym buddy,” we're breaking down modern gym life, one rep at a time. Is it rude to hog equipment? Should you work out with friends? And is flirting at the gym fair game?Whether you're a seasoned lifter or just figuring out how to use the leg press, this episode is for anyone who's ever felt judged, confused, or just plain entertained at the gym.Want to find out more on how to get 1-year Disney+ Premium subscription and up to S$200 worth of foodpanda vouchers? Check out https://bit.ly/OCBCNTWFtdk. *T&Cs apply. Fees and charges apply. Insured up to S$100k by SDIC. Hosted on Acast. See acast.com/privacy for more information.
Black Expat Journey with Charlotte Van Horn Episode 62: Being Insured In Colombia - Part 1 Host: Charlotte Van Horn - Panama Expat | Radio Host | Entrepreneur | Speaker Guest: Angela Berrio - Insurance Agent - Medellin, Colombia Produced by: Elite Conversations Podcast Media www.eliteconversations.com
There is a lot of confusing info regarding the Big Beautiful Bill. Forget the noise or the politics. What are the facts on some of the key aspects? No Tax on Tips: up to $25,000 of tip income is tax-free plus your standard deduction of $15,750 for singles, $31,500 for married filing jointly. Social Security Tax: Social Security Administration estimates 88% of seniors will no longer pay taxes on Social Security benefits. - $24,000: average Social Security benefit - $15,750: standard deduction for singles - $2,000: senior deduction - $6,000: new senior bonus (Big Beautiful Bill) - $23,750: Total deductions Taxable Social Security = Zero for average senior Requires citizenship for Medicaid. Health and Human Services estimate 1.5+ million illegal aliens will lose Medicaid benefits despite not being eligible. Currently, 14 states offer government healthcare "regardless of immigration status". Taxpayers pay for this. If you have private health coverage, you pay premiums every month. Many have large deductibles. Most never use it unless absolutely. If a health situation occurs, insurance rarely pays for everything. You could get stuck with huge medical debt. Illegals have received free healthcare. Government is supposed to benefit citizens. Our government is supposed to promote and protect the principles of the Declaration of Independence: "We hold these truths to be self-evident, that all men are created equal, that they are endowed by their Creator with certain unalienable Rights, that among those are Life, Liberty, and the pursuit of Happiness. --That to secure these rights, Governments are instituted among Men." The US is the only country in the world that pays for the medical expenses of people who don't belong here, yet expects our citizens to not only pay our own medical bills but also the medical expenses of illegals. I don't think we should have to work hard to pay for benefits for illegals. Us Government Debt is over $37 Trillion. The US government's lack of financial responsibility creates an opportunity. 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 due to higher bond yields. - 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.
Brigham Blackham empowers top leaders through the art of storytelling. With a background in teaching Mandarin and theater, he combines his expertise in communication and leadership to help entrepreneurs elevate their stories and drive impact through personal & professional development. As host of the Levelin' Up Podcast, Brigham focuses on building relationships that foster collaborative capitalism—unlocking growth through meaningful connections and shared success. He is a master connector to help you identify the ideal resources to take your life & business to the next level. Us Government Debt is over $37 Trillion. The US government's lack of financial responsibility creates an opportunity. 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 due to higher bond yields. - 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.
Many people are confused. If houses are not selling, why are not prices not falling? There are several reasons. Cause: Housing prices increased an average of 50% from 2019 -2024 in the US. Some areas increased up to 100%. Strong purchasing demand plus limited inventory was the primary reason for prices increasing. Housing affordability is at historical lows due to significantly higher mortgage interest rates and higher purchase prices. This has destroyed buying demand. The average American household can no longer afford to purchase the average home in America. Effect: Some homeowners are still hoping to cash in on the pandemic housing boom. Low mortgages have a "lock-in effect". Many are reluctant to sell their current home and replace with a much higher interest rate. Others are not delusional, they cannot afford to move. Projection: There is hope on the horizon. Housing inventory has increased to pre-COVID levels in many markets, particularly in the South and West. Homebuilders are offering record levels of incentives for new homebuyers. Rental rates have declined for 21 consecutive months. Investors are selling at record levels due to the declining rental income. Job changes or life events are forcing some to move. As time passes, the low interest rate mortgage "lock-in effect" is receding. These are factors that will contribute to declining housing prices. Us Government Debt is over $37 Trillion. The US government's lack of financial responsibility creates an opportunity. 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 due to higher bond yields. - 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.
In this Journal of Accountancy branded podcast, hosted by Clint Costa, CPA, J.D., LL.M., a senior wealth strategist at Choreo, experts discuss how to help clients, especially high-net-worth ones, navigate growing and changing challenges in seeking proper insurance coverage.
Excessive government debt has contributed to inflation and is pushing interest rates higher. The government continues to add to the debt by spending more than it receives. The US government receives about $5T in revenues annually. They spend about $7T per year. Higher interest rates and increasing debt is increasing interest payments on the debt at unsustainable levels. Many are concerned the debt will lead to a financial crisis. The big question is how high can US debt go before it triggers a financial crisis? Government debt is currently about $37T. This is 121% of Gross Domestic Product (GDP). Interest payments are about $1.1T annually. This is about 22% of annual government revenues. Is the US at crisis levels? No. Not yet, but we are on an unsustainable path. If interest on the debt continues to increase at current levels, interest payments will increase to about 30% of revenues in 5-7 years per Moody's. If you have ever applied for a mortgage, you likely would have been declined if your debt to income ratio was above 30%. This is because lenders understand that if interest payments are too high, you are unable to maintain the payments. The solutions are to increase income, reduce spending, or both. You already know this. You do this with your household budget. The Trump administration is attempting to increase income via tariff income and reshore manufacturing to boost the economy (increase income). The Department of Government Efficiency (DOGE) is attempting to reduce fraud and wasteful spending. Only in Washington is common sense considered radical. The US government's lack of financial responsibility creates an opportunity. 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 due to higher bond yields. - 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.
Pimco released a report recently and stated stocks haven't looked this expensive relative to bonds in nearly 25 years. Bonds look better than they have for a long time. Pimco states "The traditional world order — in which economics shaped politics — has been turned on its head,” according to a new five-year Pimco outlook co-written by Richard Clarida, now a global economic adviser at Pimco and formerly a Federal Reserve vice chair from 2018 to 2022. “Politics is now driving economics, especially in the U.S. and increasingly in how other countries respond.” Pimco recommends investors should start taking advantage of the highest returns in decades offered by fixed assets rather than chasing stocks at elevated valuations. I have recognized politics and government policies significantly affect our economy and our money for several years. This is why I share this info on my radio show. 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 due to higher bond yields. - 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.
Although I do not like Trump and Elon attacking each other, the conversation is very valuable and could lead to good results. Elon is bringing attention to the fact our government is taxing us too much and spending much of it on waste and fraud. The spending cuts are pathetic. The $1.5T in spending cuts is over 10 years. $150 billion per year in spending cuts is only about 2% of the approximately $7T annual spending. Our government increased spending 50% from pre-COVID levels. Our population increased 2% in the past 4 years. We need to push our representatives to do better. I don't believe it is too late to fix this. But this level of spending is unsustainable. The interest on the debt is currently about 25% of total government revenues and is rising rapidly. If you apply for a mortgage, you won't qualify if your debt to income ratio is above 30%. The interest on the debt is projected to increase to about 30% of government revenues in 5-7 years. The Trump administration is relying on future growth to fix the problem. Future growth is likely but not guaranteed. Spending cuts would definitely fix the problem. They would also help improve future growth. You already know this. If you have too much debt, you reduce expenses. If you can increase income, even better. Washington is the only place where common sense is considered radical. 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 due to higher bond yields. - 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. Although I do not like Trump and Elon attacking each other, the conversation is very valuable and could lead to good results. Elon is bringing attention to the fact our government is taxing us too much and spending much of it on waste and fraud. The spending cuts are pathetic. The $1.5T in spending cuts is over 10 years. $150 billion per year in spending cuts is only about 2% of the approximately $7T annual spending. Our government increased spending 50% from pre-COVID levels. Our population increased 2% in the past 4 years. We need to push our representatives to do better. I don't believe it is too late to fix this. But this level of spending is unsustainable. The interest on the debt is currently about 25% of total government revenues and is rising rapidly. If you apply for a mortgage, you won't qualify if your debt to income ratio is above 30%. The interest on the debt is projected to increase to about 30% of government revenues in 5-7 years. The Trump administration is relying on future growth to fix the problem. Future growth is likely but not guaranteed. Spending cuts would definitely fix the problem. They would also help improve future growth. You already know this. If you have too much debt, you reduce expenses. If you can increase income, even better. Washington is the only place where common sense is considered radical.
Bill Bengan published a study in the Journal of Financial Planning in 1994 that introduced the 4% withdrawal rule. His study recommended initially withdrawing 4% from your portfolio to ensure you will not run out of money in retirement. The financial industry ran with this recommendation ever since. JP Morgan projects the following on a typical portfolio: Withdrawal Rate Likelihood of not running out of Money 3% 95 - 100% 4% 85 - 90% 5% 65 - 70% 6% 40 - 45% If you increase your withdrawal rate, your likelihood of success decreases significantly. Current Guaranteed Lifetime Income withdrawal rates: - Age 65: 7.5% guaranteed for life - Age 75: 8.5% guaranteed for life - Rates increase if you are older You can increase your income significantly with 100% likelihood of success. You cannot outlive your income. 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 due to higher bond yields. - 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.
In this episode of Troutman Pepper Locke's Employee Benefits and Executive Compensation podcast, hosts Lydia Parker and Lynne Wakefield explore the complex legal landscape surrounding the coverage of GLP-1s prescribed for weight loss purposes within self-insured medical plans. As these medications gain popularity, plan sponsors face the challenge of controlling costs while meeting participant demand and maintaining legal compliance. The discussion covers various design alternatives, including cost-sharing strategies, waiting periods, and wellness program rewards, while addressing potential legal risks under HIPAA, the Affordable Care Act, and the Americans with Disabilities Act. Tune in to explore how plan sponsors can navigate these issues effectively as a means to attract and retain employees, while mitigating financial exposure.
This week at NSTA: The Bus Stop - Executive Director Curt Macysyn is joined by returning guest Tim Weaverling, Partner at RWR Insurers Group. Initially, Tim shares his background, noting his 22 years of experience with RWR Insurers Group. He then provides an overview of the Keystone-RWR School Transportation Program, highlighting their longstanding strong partnership with NSTA. Tim then gives his perspective on current trends in the insurance market and highlights key issues of which contractors should be aware. Curt and Tim give a brief preview of the upcoming NSTA FLASH Webinar "The Turbulent Insurance Climate, What You Need to Know" scheduled for June 10th at 10:30 AM (ET). And to wrap things up, the two share their insights about the 2026 Penn State Nittany Lions football season. Become a podcast subscriber and don't miss an episode of NSTA: The Bus Stop - NSTA Vendor Partners should reach out to us to hear about our comprehensive advertising packages that will help you hit your target audience - school transportation professionals!Support the show
At a fundamental level we all know that Insurance is a force for good in the world. You pay a relatively small premium and if your house burns down, an Insurer will help you rebuild it. But I'm sure most of us will at some time in their careers have felt that what we do day-to-day in our insurance jobs has become increasingly removed and disconnected from those basic principles. Well today I'm talking to someone who is trading a highly successful career in our insurance world for a new career concentrating 100% on the good that the deployment of the knowhow and structures that the insurance industry has developed can have on the poorest across the globe. Charlie Langdale is CEO of Humanity Insured, a charity that deploys its funds to subsidise insurance premiums for communities in low-income countries. The Aid and Development community is very reactive and only tends to arrive and try and pick up the pieces after a major loss event has happened. This podcast goes right to the heart of the economics of aid and development. In it Charlie shows how Insurance can be a force for good and help lift people out of poverty and eventually convert them into growing insurance customers of the future – all because of a little pump-priming from organisations like Humanity Insured. In a world filled with gloomy headlines it's easy to despair and feel that some of the problems facing humanity are simply insurmountable. I guarantee that half an hour with Charlie will inspire you and put a spring in your step. For not only does he believe that the problems can be solved with the economic resources we already have at our disposal, but that it's our industry that has already developed a lot of the solutions the world is going to need. Whether its responding to extreme weather or even saving endangered species, Charlie has a story to tell about how insurance is already helping hundreds of thousands of people. NOTES & ABBREVIATIONS: The FCDO is the UK's Foreign, Commonwealth & Development Office LINKS: https://humanityinsured.org/ Do get involved. New ideas can be as important as funds. We thank our naming sponsor AdvantageGo: https://www.advantagego.com
Moody's downgraded the US credit rating for the first time in history. This is the last of the 3 major credit agencies to downgrade the US credit rating. The primary concern is the increasing level of government debt. As a result, the 30-year treasury bond yields rose to 5%. This is the highest level since 2007. Bond buyers will demand higher interest (yield) to purchase government bands due to the increased risk. Bond yields and higher borrowing costs will be higher until the government addresses fiscal responsibility. Higher bond yields are one of the greatest threats to stock market asset values. Many large institutional investors shift their investments from the stock market to the bond market to lock in long term cash flow. 30-year treasury yields at 5% are a common benchmark for institutional investors to shift. The 4% withdrawal rule is widely recommended to ensure you don't run out of money in retirement with a high likelihood of success. If you increase your withdrawal rate to 5%, your likelihood of success decreases significantly. Current Guaranteed Lifetime Income withdrawal rates: - Age 65: 7.5% guaranteed for life - Age 75: 8.5% guaranteed for life - Rates increase as you are older You can increase your income significantly with 100% likelihood of success. You cannot outlive your income. Higher bond yields increase fixed asset returns. Insurance dividends, annuity, and guaranteed lifetime income returns are expected to increase for the next 5-10 years. 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.
SummaryRob Hamilton, co-founder and CEO of AnchorWatch, joins the ATX DAO Podcast to break down how his startup is redefining Bitcoin custody through insured, Bitcoin-native vaults. Rob shares the origin story of AnchorWatch and how their focus on technical excellence and smart contracts led them to become one of the only Lloyd's of London coverholders in crypto. From multi-sig time locks to Trident Vault's unique co-signing model, Rob explains how AnchorWatch blends deep cold storage with real insurance coverage—giving high-net-worth individuals and institutions a secure, scalable solution for storing digital assets.The conversation also dives into the broader landscape of Bitcoin financialization—from lending and underwriting to what it takes to build infrastructure that lasts. Rob reflects on the 18-month journey to earn Lloyd's trust, and why patience, precision, and purpose matter when building for the long term. Whether you're a Bitcoin builder, investor, or founder, this episode offers a rare look at how insured custody could unlock the next wave of capital in crypto.Chapters00:00 The Bitcoin++ Conference Experience03:14 Anchor Watch: Revolutionizing Bitcoin Custody08:19 Understanding the Insurance Market for Bitcoin13:16 Anchor Watch's Unique Position in the Market18:50 Innovative Technology: Trident Vault and Security24:18 Navigating the Lloyd's of London Partnership29:40 Lessons Learned and Future Aspirations30:07 Navigating the Macro System33:01 The Evolution of Insurance in Bitcoin36:18 The Journey into Insurance41:22 Building a Meaningful Business45:31 Focusing on Bitcoin Insurance53:29 User Experience and Onboarding ProcessConnect with Rob and AnchorWatch:X (Twitter): @Rob1ham | @AnchorWatchWebsite: https://www.anchorwatch.comCheck out our friends at Tequila 512:Website: https://www.tequila512.comSocials: X (Twitter) | Instagram | TikTok | FacebookTo learn more about ATX DAO:Check out the ATX DAO websiteFollow @ATXDAO on X (Twitter)Subscribe to our newsletterConnect with us on LinkedInJoin the community in the ATX DAO DiscordConnect with the ATX DAO Podcast team on X (Twitter):Ash: @ashinthewildLuke: @Luke152Support the Podcast:If you enjoyed this episode, please leave us a review and share it with your network.Subscribe for more insights, interviews, and deep dives into the world of Web 3.
China and the US have agreed to pause the 145% US tariffs and 125% Chinese tariffs for 90 days while they negotiate an agreement. If the high tariff rates had gone into effect, it would have been similar to a trade embargo. Both countries have realized a trade embargo would be devastating to both economies. The US imports about 5 times more from China than China imports from the US. The US is the largest purchasing economy in the world. The buyer has the power. This gives the US a powerful position in this situation. We finally have a president that understands the strength of the US economy and is acting accordingly. I am encouraged that the Trump administration will be able to negotiate a strong trade policy with China. Certainly better than the trade agreements for the past several decades. In the meantime, there will likely be volatility until a trade deal with China is completed. The Trump administration wants to complete a deal quickly. China historically takes a very slow, deliberate, and methodical approach. The volatility could be over fairly quickly or could extend for a long period. Currently, there is no way to predict. In the meantime, it would be wise to protect your investments and reduce your risk to the downside. 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.
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.
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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.
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.
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
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.
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
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
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
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