Podcasts about Ladysmith

Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society.   In this episode, Justin interviews James Swanke, Lecturer in Risk and Insurance at the University of Wisconsin-Madison's Wisconsin School of Business. He currently serves as Director of the Risk Management and Insurance MBA program. Justin and Jim talk about his 42 years of experience in Risk Consulting with Willis Towers Watson, and his specialties there, particularly with captives. They discuss the University of Wisconsin-Madison Risk Management and Insurance MBA program, what the students learn, and the competitions they have won in the last year, and they look forward to winning this year. Also, Jim tells of disc jockeying in college, from Classic Rock to Polka.   Listen to learn about captive design, how to prepare for emerging trends, and who wrote the best music of the '70s.   Key Takeaways: [:01] About RIMS and RIMScast. [:17] About this episode of RIMScast. This is our special International Podcast Day episode because it's released on September 30th. We will be joined by Jim Swanke. He's a lecturer in the Risk Management Program of the University of Wisconsin. [:46] Jim started his career in broadcasting, and he still has the voice. We've got a lot to talk about today! [:54] RIMS-CRMP Prep Workshops! The next RIMS CRMP Prep Workshops will be held on October 29th and 30th and led by John Button. [1:06] The next RIMS-CRMP-FED Virtual Workshop will be held on November 11th and 12th and led by Joseph Mayo. Links to these courses can be found through the Certifications page of RIMS.org and through this episode's show notes. [1:23] RIMS Virtual Workshops! RIMS has launched a new course, “Intro to ERM for Senior Leaders.” It will be held again on November 4th and 5th and will be led by Elise Farnham. [1:39] On November 11th and 12th, Chris Hansen will lead “Fundamentals of Insurance”. It features everything you've always wanted to know about insurance but were afraid to ask. Fear not; ask Chris Hansen! RIMS members always enjoy deep discounts on virtual workshops! [1:58] The full schedule of virtual workshops can be found on the RIMS.org/education and RIMS.org/education/online-learning pages. A link is also in this episode's notes. [2:09] Several RIMS Webinars are being hosted this Fall. On October 9th, Global Risk Consultants returns to deliver “Natural Hazards: A Data-Driven Guide to Improving Resilience and Risk Financing Outcomes”. [2:22] On October 16th, Zurich returns to deliver “Jury Dynamics: How Juries Shape Today's Legal Landscape”. On October 30th, Swiss Re will present “Parametric Insurance: Providing Financial Certainty in Uncertain Times”. [2:39] On November 6th, HUB will present “Geopolitical Whiplash — Building Resilient Global Risk Programs in an Unstable World”. Register at RIMS.org/Webinars. [2:51] We're very excited that today is International Podcast Day! Before we celebrate, I wanted to take a moment to acknowledge and mourn the passing of Todd Cochrane. Todd was a podcast pioneer. [3:06] I've linked in this episode's show notes to a wonderful obituary from Podnews®, about his career, starting with his time in the Navy up to launching his own podcast, and writing Podcasting: The Do It Yourself Guide, from Wiley Publishing in 2005. [3:25] Over the last couple of months, I've had the pleasure of communicating with Todd over email for the Podcast Awards, and it was only last week that I saw the unfortunate news of his passing, which occurred suddenly on September 8th. [3:30] Our condolences go out to his family, friends, and the greater podcasting industry. [3:47] On with the show! This is our special International Podcast Day episode, and I am delighted to be joined by James Swanke, the Director of the Risk Management and Insurance MBA Program at the Wisconsin School of Business at the University of Wisconsin-Madison. [4:06] Jim spent four decades at WTW, specializing in financial and strategic planning issues, as well as captive insurance company design. [4:18] Jim was recently quoted in a new professional report, available on the RIMS Risk Knowledge page, and sponsored by LineSlip Solutions, titled “The Future of Captive Insurance: Governance, Technology, and Performance Optimization.” [4:32] Jim got his start at the University of Wisconsin in broadcasting. We're going to talk about his career path and how being a disc jockey led him to where he is today, educating the next generation of risk professionals. Let's get to it! [4:50] Interview! Jim Swanke, welcome to RIMScast! [5:38] When Jim was in high school, he competed in forensics, in extemporaneous speaking. He did very well. He did well at the University of Wisconsin-Madison, and it got put in the newspaper. WLDY, in Ladysmith, Wisconsin, saw it in the newspaper and contacted him. [6:03] They were looking for a radio jock to “spin vinyls,” do some DJing, and read sports and news. That job helped Jim get into the University of Wisconsin-Madison. [6:21] Jim studied actuarial science and risk management. He went into the Bachelor's program, the MBA program, and the graduate program in risk management, insurance, and corporate finance. [6:40] Jim was hired by the Wyatt Company and did lots of feasibility studies. After 42 years at Willis Towers Watson, he retired. Now he teaches at the University of Wisconsin-Madison. [6:57] Broadcasting set Jim on his path. He says that everything about what we do in the captive and risk management area is about communication. If you're not communicating, listening, helping out, and building stuff, you're not going to be a success. [7:28] When Jim was a DJ at WLDY, they played different kinds of music. On Sundays, he played polka music. On Saturdays, it was country western, and Monday through Friday, it was rock music. Rock music is what he enjoys. At the top of every hour, he did the news and weather. [8:13] Justin recalls his own career. He was just waiting for podcasting to be invented, then he was able to make it all work out. [8:31] Jim worked with captives at Willis Towers Watson. He is quoted in a new LineSlip paper, “The Future of Captive Insurance: Governance, Technology, and Performance Optimization.” Justin saw his name there and thought it would be good to have him on RIMScast. [8:53] Jim described captives as a lifeline during extreme market conditions, comparing today's hard market to the turbulence of the 1980s. Jim tells what makes captives effective under hard conditions. Captives allow organizations to control their own destiny. [9:20] When you're in a hard market, having a captive allows you to take premiums that you normally pay to a commercial insurance carrier and put them into your captive insurance company. A captive is a subsidiary of the captive owner. [9:41] Most of the Fortune 500 companies in the United States have a captive. It allows them to arbitrage whatever's going on in the insurance marketplace. When we're having a difficult market, they put more of their premiums into the captive and rely on the captive more. [9:58] When the market softens, carriers may provide insurance at premiums that are lower than the expected losses. Organizations will buy commercial insurance all the time when the premiums are less than their projected losses. [10:14] Depending on where it is in the market, a captive has a role in an organization's risk management program. [10:27] Jim says a lot of organizations have looked to captives since 2020. We were in the midst of the pandemic, with all kinds of economic hardship. The insurance industry was in despair, as well. A lot of insurance companies cut back on the limits they were willing to offer. [10:49] Insurance companies put additional exclusions onto their insurance, so organizations had to rely on their own sophisticated ways of financing their losses. If they hadn't set up a captive, they set up a captive. If they had a captive in the past, they re-engineered it to do more. [11:15] They also used their captives to access the reinsurance marketplace. Reinsurance is insurance for insurance companies. A captive can be used as a platform to access reinsurers. [11:37] Even in difficult markets, having reinsurers involved created more competition, provided more limits, and there was more flexibility in the coverage terms. [11:48] That was when the pandemic was going on, which triggered the hardening of the market and the lack of availability of insurance. Organizations with captives relied on them and did more. Organizations without captives had captive feasibility studies done and formed captives. [12:09] Jim says the CEO of a captive should be a senior person who will monitor what's going on, fairly senior in the organization. It's not a full-time position. It takes three or four hours a month, plus board meetings. [12:46] A captive is required to have a captive manager, who is an accountant. They keep the books and interface for the captive with the regulator. The President or CEO of the captive relies on the captive manager to do a lot of the daily work. [13:09] Jim says you need a senior person involved so people take the captive seriously. The senior person is going to be the driver in reducing the severity of loss through loss prevention and loss reduction. Having a senior person is so important to the success of the captive. [13:40] There are lots of considerations when you're looking to make changes to your captive. Changes could include adding emerging types of risks, like cyber risk. If you're a hospital, a lot of medical malpractice captives have been hugely successful and have grown surplus. [14:08] Healthcare institutions are passing on some of their capitated risk exposures into their captives because they've done quite well with their medical malpractice. These risks are not correlated with each other, so there is a diversification benefit. [14:22] As you look to make these changes, you need to look at increasing risk assumptions, different attachment points on reinsurance, and changing your investment policy. You have lots of levers, and if you make changes, you need to analyze what the impact will be on your captive. [14:52] Jim talks about leaning into technology. Before 9/11, we didn't have the sophisticated software we've created in the last few years. [15:06] To look at covering all the possibilities and changing your captives, from adding new coverages to reinsurance reattachment points, was a monumental amount of actuarial work to figure out how to optimize your captive. [15:19] Recently developed software looks at all the possibilities in terms of changing your captive to optimize what you're doing. 20 years ago, Jim would spend months doing the actuarial work, working with an investment bank and charging them heavy fees. [15:39] Now, with new software, what took Jim months and months to do can be done in a matter of two to three days. The productivity today, in terms of optimizing your captive, is far greater than it was 20 years ago, because of the software that has been developed. [15:55] Jim likes that the software looks at all the risks and how these risks interact with one another. Looking at risks in a captive holistically is very important because many of these risks are hardly correlated with one another. [16:15] Looking at risks holistically, you can figure out the diversification benefit of having all of these risks within your captive, which has a major impact on the amount of economic capital that your captive will need to maintain. This software has been a game-changer. [16:34] RIMS Events! On October 1st through the 3rd, the RIMS Western Regional Conference will be held in North San Jose at the Santa Clara Marriott. The agenda is live. It looks fantastic! Visit RIMSWesternRegional.com and register today! [16:55] On November 17th and 18th, join us in Seattle, Washington, for the RIMS ERM Conference 2025. The agenda is live. Check out Episode 357 for Justin's dialogue with ERM Conference Keynote Presenter Dan Chuparkoff on AI and the future of risk. [17:14] Visit the Events page of RIMS.org to register. [17:17] RISKWORLD 2026 will be in Philadelphia, Pennsylvania, from May 3rd through May 6th. RIMS members can now lock in the 2025 rate for a full conference pass to RISKWORLD 2026 when you register by September 30th! [17:32] This also lets you enjoy earlier access to the RISKWORLD hotel block. Register by September 30th, and you will also be entered to win a $500 raffle! Do not miss out on this chance to plan and score some of these extra perks! [17:46] The members-only registration link is on this episode's show notes. If you are not yet a member, this is the time to join us! Visit RIMS.org/Membership and build your network with us here at RIMS! [17:56] If you are listening to RIMScast on our broadcast day, that means today is September 30th. It is last call for registration at the Earlybird rate! [18:08] In the spirit of it being September 30th, which is International Podcast Day, let's return to our interview with Jim Swanke! [18:22] Jim is the Director of the Risk Management and Insurance MBA at the University of Wisconsin-Madison. The curriculum includes technology, AI, and automation. In his classes, Jim is using the new software he discussed earlier. [18:46] Jim taught a class the day before on the principles of risk management. He talked about how risks are interrelated with each other and how you need to analyze them holistically, figuring out how they are correlated, not in siloes. [19:13] The holistic view will give you the best answer in terms of the economic capital that will be required to put into your captive. If you're analyzing risks silo by silo for each risk, that will lead you to having more economic capital in your captive than you need. [19:35] Jim has learned, in 42 years of consulting, that the CFOs in these organizations don't want to trap cash in their captives. Teaching this software to this new generation of students, they will be able to step into the roles of captive managers that the industry will need. [20:07] We're at the tip of the iceberg with AI. We're still learning in Academia what the power of AI is going to be. Jim foresees AI being very important in handling claims and in underwriting. [20:30] AI will allow commercial insurance companies to have a better way of doing their pricing and making decisions on whether or not risks should be accepted. It will also be beneficial to captives. [20:43] Jim thinks AI will advance the technology far ahead. We're just beginning to touch on some of the advantages within the insurance industry and within captives. [21:05] Jim started teaching in 2011. When University of Wisconsin-Madison Professor Dan Anderson retired, Jim was chosen to teach a class on sustainability that was started by Professor Anderson. He has taught it since 2011. [21:41] At the time, some students did not think anything was going on with climate change. A couple of students stood up in class and said all of this was just made up. It was a fantasy. [22:03] Today, when Jim goes into class, students are there a half-hour early and stay late. They are very connected and working together to figure out how to reduce CO2 emissions to slow down the heating of the planet and the extreme weather events that are coming more often. [22:24] The class has evolved over the years, and the students are more engaged than they ever have been. [22:33] The students from the University of Wisconsin-Madison were the winners of the Spencer-RIMS Risk Management Challenge at RISKWORLD 2025 in Chicago. Jim knows all of those students and had a couple of them in his class yesterday. [23:04] The students won with the Huntington, West Virginia case study, a six-month project. Huntington is on the Ohio River, and with extreme weather events, flooding has become a big issue in that community. They competed with students around the world to solve the issue. [23:49] Each school's team came up with things that could be done and conducted an analysis on what they thought was the best way of handling it. The University of Wisconsin-Madison's team focused on resiliency with levees and dikes to hold back the flooding. [24:27] The four Wisconsin students presented their paper and won, out of 61 schools competing. The University of Wisconsin-Madison received $10K. The second-place university, DePaul, received $7.5K, and the third-place school, IIRM Hyderabad (past year winner), got $5K. [25:04] The University of Wisconsin-Madison team entered two other contests last year and won them both. The CICA Captive competition involved case studies around Kaneka captives. It required an essay and a PowerPoint deck. [25:52] The MBA students entered the A.M. Best competition for insurance solutions to a global issue. The students used a combination of parametric and indemnity triggers to provide insurance to the disadvantaged in the Caribbean and Latin America. [26:23] If there was hurricane damage, it would trigger a parametric to allow an amount of money to be paid immediately to these disadvantaged families. Then there would be the indemnity insurance that would look at the actual losses and true them up to the loss amount. [26:49] It involved the combination of parametrics and conventional indemnity insurance, which was noteworthy and probably pushed the team over the top. [27:11] The professor who was the advisor in the Spencer Challenge is Carl Barlett. Carl is an attorney by training, and he has the energy to work with bachelor's students. He's graduated hundreds of people out of his program over the last four or five years. [27:59] The University has Career Fairs where 60 or 70 companies will come to meet with students. That's a credit to Carl. Not a lot of companies will come to a university to meet with students. Because of the program he put together, lots of organizations want to hire students. [28:21] The University of Wisconsin-Madison business school is typically ranked number 1. [28:31] A Final Break! The Spencer Educational Foundation's goal to help build a talent pipeline of risk management and insurance professionals is achieved, in part, by its collaboration with risk management and insurance educators across the U.S. and Canada. [28:50] Since 1999, Spencer has awarded over $2.9 million to create more than 570 Risk Management Internships. The Internship Grants application process is now open through October 15th, 2025. [29:06] To be eligible, risk managers must be based in the U.S., Canada, or Bermuda. A link to the Internship Grants page is in this episode's show notes. You can always visit SpencerEd.org, as well. [29:19] Let's Get Back to Our Interview with Jim Swanke of the University of Wisconsin-Madison! [29:46] Jim tells his students that we don't know today what the emerging risks are going to be. What we need to do is design our risk management program and keep our eyes and ears open to what is going to happen next. [30:04] Jim cites The Black Swan, by Nassim Nicholas Taleb. It gets into what we need to do as people of risk management and societies to try to identify the emerging risks that will impact us going forward. [30:21] In risk management, we look at the past to try to project what's going to happen in the future. We were caught by the pandemic. Very little business interruption insurance was offered. If we had been forward-thinking, we would have thought about coverages for the emerging risks. [31:19] An emerging risk after 9/11 was that insurance companies put exclusions on their insurance policies, excluding terrorism. The Federal Government passed the Terrorism Risk Insurance Act (TRIA) and offered it as a backstop to insurance companies. [31:55] Anybody with a captive could access that reinsurance through the U.S. Treasury, using their captive insurance company. [32:23] Jim sees more employee benefits going into captives. The advantages you have in the P&C area are also in place for employee benefits. Organizations with large workers' compensation self-insurance programs are putting excess workers' compensation into captives. [32:57] Jim says you need to be nimble and on your toes. Emerging risks are going to come out over the next 10 to 15 or 20 years. Keep your eyes and ears open so when they emerge, you can deal with them to reduce the frequency and severity of loss and see how to finance them. [33:19] Jim highly recommends reading The Black Swan. It's a good way to begin to think about how you should think about emerging risks. [33:42] Jim says school is going really well. One thing he noticed this year is the diverse nature of his students. There are more disciplines within the risk management area that people are interested in. [33:56] In class recently, Jim had a group that was in the investment banking area, a group that was in HR, and a couple of students from China. There was a broad diversity in the class. [34:16] It enriches the conversation to have people coming from different places with different backgrounds and different educational experiences. It shows the power of having diversity in the classroom. It's exciting. [34:32] The class will write papers on Enterprise Risk Management and talk about captives, and more. They'll compete in the CICA Captive Competition again, to maintain their number one rating there! They're off to a great start! It's nice to see students so highly energized! [34:53] Jim says the future is bright with the students graduating from the Wisconsin School of Business at the University of Wisconsin-Madison. [35:22] Justin and others have liked Jim's broadcasting voice. Jim thanks Justin for commenting on it. [35:55] Jim's time as a DJ was 50 years ago. He recalls two or three instances of hot mikes, when some of the FCC's seven deadly words may have been spoken. He says nobody wants that, but it was a real learning experience. [36:29] Jim recalls when the studio tower was hit by lightning. Jim was alone in the radio station when it happened. Lightning bolts were flying around the building after the tower got hit. The station went off the air, and Jim had to figure out a way to put it back on the air. [36:58] Jim highly recommends to young people, if you get an opportunity to get involved with radio or TV, give it a shot, because it's a lot of fun! Justin ties it to podcasting and video blogging. [37:42] Jim likes all the music of 1976 and didn't have a favorite album. He likes Deep Purple and Bob Seger. He says there's no better songwriter than Bob Seger. There was a diversity of good music going out at that time. It was a wonderful time to be working in a radio station. [38:47] Justin is a father of two young people under 12 who like to listen to classic rock. “Dancing in the Moonlight,” by King Harvest, is a greatest hit in the family. They love Van Morrison. [39:56] On the subject of podcasting, Jim thinks there is an opportunity to develop content that helps the everyday American with their personal insurances, like homeowners, auto, health, life, and how they buy their insurances. [40:45] In class recently, the MBA students, the brightest and best, designing plans for New York investment banks and worldwide financial institutions, told Jim that they had questions about what to buy in auto policies and homeowners policies. [41:07] Jim states that an insurance podcast for the everyday American is something the industry needs to be doing. Justin suggests that members of the global RIMScast audience could pick up the baton and get to work! [41:27] Maybe it becomes part of the coursework for a class like Jim's. It could be part of a challenge, like the Spencer-RIMS Risk Management Challenge. [41:48] Jim says being able to talk about this with graduate students gives them some familiarity with what risk is, in terms of the instability of results. They can relate to it because they need to buy an auto policy or a homeowners policy. [42:03] While these coverages don't match up perfectly with what's going on in the commercial insurance marketplace, learning about them gives students a sense of what insurance is about, what risk management is about, and how to reduce the frequency and severity of losses. [42:22] Jim, it has been such a pleasure to speak with you and to pick your brain on risk management education, broadcasting, and music! Thank you so much for joining us here on RIMScast! [42:33] Good luck to you and your students at the University of Wisconsin-Madison, as you look to the 2026 competitions. I can only imagine they're going to do great things! [42:58] Special thanks again to Jim Swanke for joining us here on RIMScast! For more information, check out the links in this episode's show notes. [43:06] Remember to check out “The Future of Captive Insurance: Governance, Technology, and Performance Optimization”, a Professional Report sponsored by LineSlip. It is available through the Risk Knowledge Page of RIMS.org. That link is also in this episode's show notes. [43:22] The paper features a lot of Jim's fascinating perspective and insights on captives. [43:28] Plug Time! You can sponsor a RIMScast episode for this, our weekly show, or a dedicated episode. Links to sponsored episodes are in the show notes. [43:56] RIMScast has a global audience of risk and insurance professionals, legal professionals, students, business leaders, C-Suite executives, and more. Let's collaborate and help you reach them! Contact pd@rims.org for more information. [44:14] Become a RIMS member and get access to the tools, thought leadership, and network you need to succeed. Visit RIMS.org/membership or email membershipdept@RIMS.org for more information. [44:33] Risk Knowledge is the RIMS searchable content library that provides relevant information for today's risk professionals. Materials include RIMS executive reports, survey findings, contributed articles, industry research, benchmarking data, and more. [44:48] For the best reporting on the profession of risk management, read Risk Management Magazine at RMMagazine.com. It is written and published by the best minds in risk management. [45:02] Justin Smulison is the Business Content Manager at RIMS. Please remember to subscribe to RIMScast on your favorite podcasting app. You can email us at Content@RIMS.org. [45:15] Practice good risk management, stay safe, and thank you again for your continuous support!   Links: RIMS ERM Conference 2025 — Nov. 17‒18 Spencer Internship Program — Registration Open Through Oct. 15. RIMS Western Regional — Oct 1‒3 | Bay Area, California | Registration open! RISKWORLD 2026 — Members-only early registration through Sept 30! — Last Call! RIMS-Certified Risk Management Professional (RIMS-CRMP) The Strategic and Enterprise Risk Center RIMS-CRO Certificate in Advanced Enterprise Risk Management — Featuring Instructor James Lam! Next bi-weekly course begins Oct 9. RIMS Diversity Equity Inclusion Council RISK PAC | RIMS Advocacy | RIMS Legislative Summit SAVE THE DATE — March 18‒19, 2026 RIMS Risk Management magazine | Contribute RIMS Now “The Future of Captive Insurance: Governance, Technology, and Performance Optimization” — Professional Report, Sponsored by LineSlip | Featuring insight from James Swanke University of Wisconsin-Madison Wins 2025 Spencer-RIMS Risk Management Challenge Internationalpodcastday.com Obituary for Podcasting Trailblazer Todd Cochrane RIMS Webinars: RIMS.org/Webinars “Natural Hazards: A Data-Driven Guide to Improving Resilience and Risk Financing Outcomes” | Oct. 9 | Sponsored by Global Risk Consultants “Jury Dynamics: How Juries Shape Today's Legal Landscape” | Oct. 16, 2025 | Sponsored by Zurich “Parametric Insurance: Providing Financial Certainty in Uncertain Times” | Oct. 30, 2025 | Sponsored by Swiss Re “Geopolitical Whiplash — Building Resilient Global Risk Programs in an Unstable World” | Nov. 6 | Sponsored by HUB   Upcoming RIMS-CRMP Prep Virtual Workshops: RIMS-CRMP Virtual Exam Prep — Oct. 29‒30, 2025 RIMS-CRMP-FED Exam Prep Virtual Workshop — November 11‒12 Full RIMS-CRMP Prep Course Schedule Risk Appetite Management | Oct 22‒23 | Instructor: Ken Baker Intro to ERM for Senior Leaders | Nov. 4‒5 | Instructor: Elise Farnham Fundamentals of Insurance | Nov. 11‒12 | Instructor: Chris Hansen Leveraging Data and Analytics for Continuous Risk Management (Part I) | Dec 4. See the full calendar of RIMS Virtual Workshops RIMS-CRMP Prep Workshops   Related RIMScast Episodes about Education, Risk Talent, and Captives: “Risk Management Momentum with Lockton U.S. President Tim Ryan” “RIMS 2025 Risk Manager of the Year, Jennifer Pack”   Sponsored RIMScast Episodes: “The New Reality of Risk Engineering: From Code Compliance to Resilience” | Sponsored by AXA XL (New!) “Change Management: AI's Role in Loss Control and Property Insurance” | Sponsored by Global Risk Consultants, a TÜV SÜD Company “Demystifying Multinational Fronting Insurance Programs” | Sponsored by Zurich “Understanding Third-Party Litigation Funding” | Sponsored by Zurich “What Risk Managers Can Learn From School Shootings” | Sponsored by Merrill Herzog “Simplifying the Challenges of OSHA Recordkeeping” | Sponsored by Medcor “Risk Management in a Changing World: A Deep Dive into AXA's 2024 Future Risks Report” | Sponsored by AXA XL “How Insurance Builds Resilience Against An Active Assailant Attack” | Sponsored by Merrill Herzog “Third-Party and Cyber Risk Management Tips” | Sponsored by Alliant “RMIS Innovation with Archer” | Sponsored by Archer “Navigating Commercial Property Risks with Captives” | Sponsored by Zurich “Breaking Down Silos: AXA XL's New Approach to Casualty Insurance” | Sponsored by AXA XL “Weathering Today's Property Claims Management Challenges” | Sponsored by AXA XL “Storm Prep 2024: The Growing Impact of Convective Storms and Hail” | Sponsored by Global Risk Consultants, a TÜV SÜD Company “Partnering Against Cyberrisk” | Sponsored by AXA XL “Harnessing the Power of Data and Analytics for Effective Risk Management” | Sponsored by Marsh “Accident Prevention — The Winning Formula For Construction and Insurance” | Sponsored by Otoos “Platinum Protection: Underwriting and Risk Engineering's Role in Protecting Commercial Properties” | Sponsored by AXA XL “Elevating RMIS — The Archer Way” | Sponsored by Archer   RIMS Publications, Content, and Links: RIMS Membership — Whether you are a new member or need to transition, be a part of the global risk management community! RIMS Virtual Workshops On-Demand Webinars RIMS-Certified Risk Management Professional (RIMS-CRMP) RISK PAC | RIMS Advocacy RIMS Strategic & Enterprise Risk Center RIMS-CRMP Stories — Featuring RIMS President Kristen Peed!   RIMS Events, Education, and Services: RIMS Risk Maturity Model®   Sponsor RIMScast: Contact sales@rims.org or pd@rims.org for more information.   Want to Learn More? Keep up with the podcast on RIMS.org, and listen on Spotify and Apple Podcasts.   Have a question or suggestion? Email: Content@rims.org.   Join the Conversation! Follow @RIMSorg on Facebook, Twitter, and LinkedIn.   About our guest: James Swanke, Lecturer: Risk and Insurance at the University of Wisconsin-Madison's Wisconsin School of Business, Director of the Risk Management and Insurance MBA program Production and engineering provided by Podfly.  

Friend of the show Corporal Megan Jones of the Military Police joins Bailey and Johnny to give the latest update on the team's progress. Today, the team is gearing up for a wet ride from Nanaimo to Ladysmith. Tour de Rock wraps up in Victoria on Friday, October 3rd. Get your donations in now! Donate to Tour de Rock and help send kids to Camp Goodtimes

If you missed it on Wednesday morning on East Coast Breakfast: Tennis star Carlos Alcaraz confirmed that his new haircut was actually a mistake—thanks to his brother holding the clippers! That kicked off a hilarious conversation with with Darren, Sky, and Carmen … about haircut disasters. They heard from Dureshan in Hilton, who tried to cut his own hair, and from Sne in Ladysmith, who gave us the best story of the morning. Catch all the laughs now on ecr.co.za under the East Coast Breakfast page. Webpage

I greet you in Jesus' precious name! It is Monday morning, the 18th of August, 2025, and this is your friend, Angus Buchan, with a thought for today. We go to the Gospel of Luke 17:5-6: “And the apostles said to the Lord, “Increase our faith. So the Lord said, “If you have faith as a mustard seed, you can say to this mulberry tree, ‘Be pulled up by the roots and be planted in the sea,' and it would obey you.”I am talking this morning about faith. “But without faith it is impossible to please Him, for he who comes to God must believe that He is, and that He is a rewarder of those who diligently seek Him.”Hebrews 11:6 As I was meditating on this scripture early this morning in my quiet time room, the Lord brought to memory what took place in my life on the 17th of November, 1989, a long time ago. I was sitting having my quiet time. I had been reading a book written by John Wimber, called Evangelism Explosion. In the back of that book, there were a whole lot of anecdotes and little cameos of mighty men and women of God who dared to believe God and to trust God by faith, and how the Lord had used them. Very few of them were qualified. They were ordinary working people just like you and I, and I got so excited. I got on my phone. In those days, we had the old phone, you had to crank it up, and I got hold of my pastor in Grey Town and I said to him, “Gavin, the Lord has revealed something to me today and I have to share it with you.” And he said, “What is it?” I said, “I have just been reading a book about men and women of God who have been used mightily by the Lord, and there is a golden thread that goes through each one of their stories, and it is one word, 'faith', having faith the size of a mustard seed."He got so excited, he turned around and took his ball-point pen, and wrote on the wall of his office, and the office had just recently been painted, and he wrote, “17th November '89” and he put my name there, and it stayed there until that church got repainted. Well, I want to tell you, that was the beginning. From there, I took that seed of faith and I went to a nearby town called Ladysmith, and I booked the town hall, the first thing I had ever done in my life, and that was the beginning of what the Lord has done, by faith, nothing to do with me.Today, I challenge you to trust the Lord for that thing that you are believing for, but it must be so big that if it is not of God, it is going to fail. Why? Because when it works, God gets all the glory. Jesus bless you walk by faith and not by sight.Goodbye.

Jason Tickle with Central Rappahannock River Habitat for Humanity says construction on nine new homes in Ladysmith is set to begin soon.  We talk about their new strategic plan that includes projects across in Westmoreland, Essex, King and Queen, and Richmond counties.   Tickle says you play a critical role in affordable housing as a volunteer and donor. For more information or to get involved, visit crrhfh.org.

Singing Our Faith: Directions for SingingThis week at Central UMC, we welcomed guest preacher Brian Lamb from Wrights Chapel UMC in Ladysmith, VA. A seminary-educated public high school business teacher pursuing ordination, Brian brings a unique vision for ministry in the public schools — serving God and students where faith and daily life meet.Drawing from John Wesley's timeless “Directions for Singing,” Brian invited us to see worship music not as a battleground between “traditional” and “contemporary,” but as a living expression of God's renewing work. Just as the psalmist turned the old story of the Exodus into a new song, God continues to make all things new — even in our music.Through personal stories of worship transitions, seasons of spiritual dryness, and moments when God's presence broke through in unexpected ways, Brian reminded us that styles may change, but God's love remains constant. The question is not whether we prefer the organ or the guitar, the hymn or the praise chorus, but whether we are open to God breaking down the barriers — in music and in life — that keep us from deeper communion with Him.

Jak z więźnia wojennego stać się bohaterem narodu?

Jason Tickle with an overview as we approach the beginning of building in Ladysmith.   How you can get involved as a volunteer. How you can get involved financially.   crrhfh.org

We spent the next night in Kamloops, and I was lucky enough to have pizza left from lunch, so that filled the spot for dinner. In the morning, we headed towards the ferry terminal south of Vancouver for the ferry to Victoria at 3pm. I wanted to get to the ferry early, which was a good thing as we met so much traffic leaving for the mountains for the long holiday weekend. I decided to get another taco salad from Wendy's and enjoyed eating it while in the line for the ferry. We arrived on Vancouver Island and drove to our hotel in downtown Victoria. I decided on an Indian restaurant a few blocks away called Sizzling Tandoor reported to have lots of gluten free options. They did, and I thoroughly enjoyed butter chicken, rice and poppadums which are thin chips usually made from lentil flour that are a great substitute for bread if they are made gluten free. I have been looking forward to the next morning for so long. It was my opportunity to finally meet Ellen Bayens of theceliacscene.com whom I have been friends with for years but never met. Ellen made reservations for us to have brunch at one of her favourite restaurants – Six Mile Pub. We sat in the cozy gazebo on the patio, met with the chef and had the best gluten free meal I can remember. We asked the chef for three different dishes, and we were treated to creative steak & eggs, poached eggs and pancakes. Although they sound simple, these dishes were works of art and I savoured every bite. There's nothing better than sharing an amazing meal with a good friend. Ellen and I could have talked for hours, but Trish and I had to be on our way heading for our final destination of Comox. Ellen suggested we stop at the town of Ladysmith along the way to visit The Wild Poppy, a gluten free bakery. What a treat – I bought a massive blueberry scone, date square and butter tart. I'm so spoiled. After arriving in Comox, Trish's boyfriend met us, and we decided to try a burger place Ellen has raved about. The Big Wheel is worth the hype – no flax in the GF hamburger bun and a separate fryer – Perfect! We've settled in here for a few days until I fly back to Ontario. Now I can try the gluten free options in Comox – more treats to come! I've loaded some pictures on my blog. Sue's Websites and Social Media – Podcast https://acanadianceliacpodcast.libsyn.com Podcast Blog – https://www.acanadianceliacblog.com Email – acdnceliacpodcast@gmail.com Celiac Kid Stuff – https://www.celiackidstuff.com Baking Website – https://www.suesglutenfreebaking.com Instagram - @suesgfbaking YouTube - https://www.youtube.com/playlist?list=PLUVGfpD4eJwwSc_YjkGagza06yYe3ApzL Email – sue@suesglutenfreebaking.com

We spent the next night in Kamloops, and I was lucky enough to have pizza left from lunch, so that filled the spot for dinner. In the morning, we headed towards the ferry terminal south of Vancouver for the ferry to Victoria at 3pm. I wanted to get to the ferry early, which was a good thing as we met so much traffic leaving for the mountains for the long holiday weekend. I decided to get another taco salad from Wendy's and enjoyed eating it while in the line for the ferry. We arrived on Vancouver Island and drove to our hotel in downtown Victoria. I decided on an Indian restaurant a few blocks away called Sizzling Tandoor reported to have lots of gluten free options. They did, and I thoroughly enjoyed butter chicken, rice and poppadums which are thin chips usually made from lentil flour that are a great substitute for bread if they are made gluten free. I have been looking forward to the next morning for so long. It was my opportunity to finally meet Ellen Bayens of theceliacscene.com whom I have been friends with for years but never met. Ellen made reservations for us to have brunch at one of her favourite restaurants – Six Mile Pub. We sat in the cozy gazebo on the patio, met with the chef and had the best gluten free meal I can remember. We asked the chef for three different dishes, and we were treated to creative steak & eggs, poached eggs and pancakes. Although they sound simple, these dishes were works of art and I savoured every bite. There's nothing better than sharing an amazing meal with a good friend. Ellen and I could have talked for hours, but Trish and I had to be on our way heading for our final destination of Comox. Ellen suggested we stop at the town of Ladysmith along the way to visit The Wild Poppy, a gluten free bakery. What a treat – I bought a massive blueberry scone, date square and butter tart. I'm so spoiled. After arriving in Comox, Trish's boyfriend met us, and we decided to try a burger place Ellen has raved about. The Big Wheel is worth the hype – no flax in the GF hamburger bun and a separate fryer – Perfect! We've settled in here for a few days until I fly back to Ontario. Now I can try the gluten free options in Comox – more treats to come! I've loaded some pictures on my blog. Sue's Websites and Social Media – Podcast https://acanadianceliacpodcast.libsyn.com Podcast Blog – https://www.acanadianceliacblog.com Email – acdnceliacpodcast@gmail.com Celiac Kid Stuff – https://www.celiackidstuff.com Baking Website – https://www.suesglutenfreebaking.com Instagram - @suesgfbaking YouTube - https://www.youtube.com/playlist?list=PLUVGfpD4eJwwSc_YjkGagza06yYe3ApzL Email – sue@suesglutenfreebaking.com

What do baseball games, river floats, parades, and Schitt's Creek trivia have in common? They're all things you can do to celebrate pride on the island this summer! On this episode we talk about what pride is like in island communities, and about celebrating queer joy, honouring history, and fighting for future freedoms. The first of nearly 20 pride festivals on the island start this weekend -- with events in Cowichan, Port Alberni, and Victoria. The final events will be in the Comox Valley in August. This episode's guests are organizers Cristin Elle (Cowichan Pride), Crysta Stubbs (Alberni Valley Pride), Nick Luney (Victoria Pride) and meika johnson (Queer Centre Comox Valley).There are also pride events this summer in Ladysmith, Parksville, Nanaimo, Langford, Saanich, Gabriola, Sidney, Tofino, Campbell River, the North Island, Qathet, Denman, Pender, and the Discovery Islands.Check out this handy list to learn about events in your community.

Building should start in June in Ladysmith.  Jason Tickle and Western Caroline Supervisor Jeff Black with updates on how you can help and ways to volunteer.   crrhfl.org

Relebogile Mabotja speaks to Ladysmith Black Mambazo (Sibongiseni Shabalala and Thulani Shabalala) the renowned South African vocal group about their iconic tour and celebrating 65 years in the industry. 702 Afternoons with Relebogile Mabotja is broadcast live on Johannesburg based talk radio station 702 every weekday afternoon. Relebogile brings a lighter touch to some of the issues of the day as well as a mix of lifestyle topics and a peak into the worlds of entertainment and leisure. Listen live weekdays from 13:00 to 15:00 (SA Time) https://www.primediaplus.com/702/702-afternoons-with-relebogile-mabotja/audio-podcasts/702-afternoons-with-relebogile-mabotja Thank you for listening to a 702 Afternoons with Relebogile Mabotja podcast. All the interviews are available on Primedia+ Catch-up https://www.primediaplus.com/702/702-afternoons-with-relebogile-mabotja/ Subscribe to the 702 and CapeTalk daily and weekly newsletters https://www.primediaplus.com/competitions/newsletter-subscription/ Follow us on social media: 702 on Facebook: www.facebook.com/TalkRadio702   702 on TikTok: www.tiktok.com/@talkradio702  702 on Instagram: www.instagram.com/talkradio702  702 on X: www.x.com/Radio702  702 on YouTube: www.youtube.com/@radio702  See omnystudio.com/listener for privacy information.

Mac Williams and Jason Tickle talk with an update--building begins in Ladysmith in June.   Volunteers--and teams of volunteers are welcome.    crrhfh.org

Caroline Sheriff Scott Moser and Habitat's Jason Tickle outline the program for homes for teachers and first responders.  Building about to begin on homes in the Ladysmith area.   Info on how you can get involved in a variety of areas.   crrhfh.org

Episode 211 - the year is 1857 heading into 1858. Lots the talk about! The original frontier republics and wildlands were being transformed - turning into governed territtories. In 1856 Natal was created a Crown Colony by Royal Charter, Legislation there was entrusted to a council of four officials and 12 members elected every four years by ballot. By the way, this was not only a first for South Africa, but for Great Britain itself. An experiment in election power, although the Crown retained considerable powers of veto. A civil list of those who could vote was more than modest, although the low franchise meant most were eligible to vote. Most English and Dutch, that is. What really angered the elected members was that five thousand pounds for administration was earmarked by the Crown for the benefit of black Natalians. Still, the New and unique Natal Legislative Council sat for the first time in March 1857 and its first job was to authorise the new Crown colonies stamps. By 1857 there were eight, three colonial and five republican, that is of the Cape Colony, British Kaffraria and Natal, on the other hand, the Orange Free State, Utrecht Republiek, Lydenburg, the Zoutpansberg and Pretorius' South African Republic. This was what really clever historians call Balkanisation. Little entrepots, squabbling states, spread out across the southern African landscape, sometimes working together, often competing. Natal was a kind of detached district of the Cape until it was declared a Crown Colony, an inconvenient way to run a territory. IN Natal, most of the Boers had gone, except for the northern parts. IN their place came other Europeans, like the Germans. A few had taken to market gardening around Durban, while Joseph Byrne and other speculators had launched various schemes for British Immigrants. As you know by now if you've listened to the series, quite of few of the new arrivals left almost immediately. Living in Natal is not for the squeamish, even today. Still, the villages of Pinetown, Verulam and Richmond owe their existence to these English immigrants, and so too those of Ladysmith. By 1857 there were only 8000 whites in Natal, 150 000 blacks and what they lacked in size, they made up for by being vigorous, a plethora of religious sects existed, each had its own education system, associations sprang up, and the Natal Bank opens its doors. Soon there were six newspapers in Natal including the Witness in Pietermaritzburg and the Mercury in Durban. There was almost zero industry — and both coffee and cotton had failed. The first sugar cane was imported from Mauritius and seemed to offer more, but the problem was labour. But for many years hence, the main export from Natal was ivory. And as we know, they were being shot out of existence at break kneck speed. If we glance at Southern Africa as a whole in 1857 we would notice that government had become more elaborate and less subordinated to the Cape Authorities. Local Justice was in the hands of local magistrates. Lieutenant Governors changed with bewildering rapidity, but their powers were growing as these little states began to emerge, blinking like undersized infants, into the African sunshine. Federation instead of Balkanisation was in the air at least in the mind of Cape Governor Sir George Grey. The boers were of course not thinking of anything of the sort, let alone Federation. After the wars, the settlers in the Cape were dead set against reserves, the Theopolus Shepstone plan, these drained off labour, and said the nervous English immigrants, it was dangerous to mass blacks in the heart of the Colony. The effect of the Battle of Ndondokusuka didn't help Shepstone. Thousands of amaZulu refugees of the Civil War across the Thukela led to Natal's Immigrant rules. Further inland, the policy of the Republiks was even more blunt.

Episode 211 - the year is 1857 heading into 1858. Lots the talk about! The original frontier republics and wildlands were being transformed - turning into governed territtories. In 1856 Natal was created a Crown Colony by Royal Charter, Legislation there was entrusted to a council of four officials and 12 members elected every four years by ballot. By the way, this was not only a first for South Africa, but for Great Britain itself. An experiment in election power, although the Crown retained considerable powers of veto. A civil list of those who could vote was more than modest, although the low franchise meant most were eligible to vote. Most English and Dutch, that is. What really angered the elected members was that five thousand pounds for administration was earmarked by the Crown for the benefit of black Natalians. Still, the New and unique Natal Legislative Council sat for the first time in March 1857 and its first job was to authorise the new Crown colonies stamps. By 1857 there were eight, three colonial and five republican, that is of the Cape Colony, British Kaffraria and Natal, on the other hand, the Orange Free State, Utrecht Republiek, Lydenburg, the Zoutpansberg and Pretorius' South African Republic. This was what really clever historians call Balkanisation. Little entrepots, squabbling states, spread out across the southern African landscape, sometimes working together, often competing. Natal was a kind of detached district of the Cape until it was declared a Crown Colony, an inconvenient way to run a territory. IN Natal, most of the Boers had gone, except for the northern parts. IN their place came other Europeans, like the Germans. A few had taken to market gardening around Durban, while Joseph Byrne and other speculators had launched various schemes for British Immigrants. As you know by now if you've listened to the series, quite of few of the new arrivals left almost immediately. Living in Natal is not for the squeamish, even today. Still, the villages of Pinetown, Verulam and Richmond owe their existence to these English immigrants, and so too those of Ladysmith. By 1857 there were only 8000 whites in Natal, 150 000 blacks and what they lacked in size, they made up for by being vigorous, a plethora of religious sects existed, each had its own education system, associations sprang up, and the Natal Bank opens its doors. Soon there were six newspapers in Natal including the Witness in Pietermaritzburg and the Mercury in Durban. There was almost zero industry — and both coffee and cotton had failed. The first sugar cane was imported from Mauritius and seemed to offer more, but the problem was labour. But for many years hence, the main export from Natal was ivory. And as we know, they were being shot out of existence at break kneck speed. If we glance at Southern Africa as a whole in 1857 we would notice that government had become more elaborate and less subordinated to the Cape Authorities. Local Justice was in the hands of local magistrates. Lieutenant Governors changed with bewildering rapidity, but their powers were growing as these little states began to emerge, blinking like undersized infants, into the African sunshine. Federation instead of Balkanisation was in the air at least in the mind of Cape Governor Sir George Grey. The boers were of course not thinking of anything of the sort, let alone Federation. After the wars, the settlers in the Cape were dead set against reserves, the Theopolus Shepstone plan, these drained off labour, and said the nervous English immigrants, it was dangerous to mass blacks in the heart of the Colony. The effect of the Battle of Ndondokusuka didn't help Shepstone. Thousands of amaZulu refugees of the Civil War across the Thukela led to Natal's Immigrant rules. Further inland, the policy of the Republiks was even more blunt.

I greet you in Jesus' precious name! It is Saturday morning, the 15th of February, 2025, and this is your friend, Angus Buchan, with a thought for today. We start in the Book of Luke 17:6: So the Lord said, “If you have faith as a mustard seed, you can say to this mulberry tree, ‘Be pulled up by the roots and be planted in the sea,' and it would obey you.”“Have faith in God.”Mark 11:22That's it - have faith in God. Without faith, we cannot please Him. Now Luke 17:5 says: ”And the apostles said to the Lord, “Increase our faith.” Now, even the disciples asked Jesus, ”Please, increase our faith”, because they realised without faith, we can do nothing. Today, maybe you're struggling to believe God for a promise He's given you. Maybe He gave it to you many years ago and your faith is starting to wane, starting to lose power. How do we regain our faith? Well, if you look at Romans 10:17, the Word of God says:”So then faith comes by hearing, and hearing by the word of God.” Spending time reading your Bible, spending time believing what the Lord has said about you. I can do all things through Christ who strengthens me, My Lord will supply all of my needs according to His riches in Glory. We need to get started this morning. We need to get back to walking the faith walk. You see, faith is a way of life, not faith in faith, but faith in Jesus Christ, and the Lord always honours faith. Now I'm sitting here thinking about the first campaign I ever organised - it was in that little town of Ladysmith about probably an hour's drive west of where we live. It was ten minutes to seven in the evening. The service was going to start at seven o'clock and I was downstairs in the dungeon. I was waiting for the people to come. The band which we had brought up from Port Elizabeth were bravely on the platform playing music and I climbed up the steps, opened the door, had a look in, there was no-one there. I was devastated. I mean, I'd been praying and we'd been trusting the Lord. I went down and I said, “Lord, if nobody comes, I'm going to preach to the chairs.” This is the honest truth. At seven o'clock, by faith, I walked up, I opened the door and the hall was half full of people. That was the beginning. Well, I want to say to you, we started off with the Mighty Men Conference on this farm with 240 men, and we ended up with 450 000 men at our last meeting on this farm in 2010, and I've got news to tell you, that this year there'll be twenty Mighty Men Conferences happening all over the world.That mustard seed of faith! Trust the Lord, my dear friend, He'll do it for you. Jesus bless you and goodbye

In 1899, the British went to war with the Boer Republics.  This was when the British Empire was close to its blazing zenith and unquestionably the ranking world power.  Any war against the somewhat backward Boers on a remote border of the empire in southern Africa would surely be quick and decisive.  It did not turn out that way.  As Rudyard Kipling put it, the Boers gave the British “no end of a lesson.”  Thomas Pakenham tells the story in “The Boer War.” 

Jason Tickle and Mac Williams talk about plans to build 20 homes in Ladysmith.   Some changes are being implemented that could mean a change in how long it takes to build homes and may make some parts of the project easier for volunteers.   habitatofcaroline.org

Host Dennis Leap finishes discussing Chapter 6, “We Have Gone Far Enough,” from Part II: “Into Africa.” Candice Millard gives the incredible history of the Boers who proved themselves to be superior warriors from the time they inhabited the Transvaal and the first Boer War with the British. The British received a humiliating loss at the battle of Majuba Hill. George White had told a friend before he left South Hampton: “I don't believe there will be fighting of a serious kind.” While at Natal, White was not concerned about the tens of thousands of Boers surrounding him in every direction. By the time he moved to Ladysmith, White realized he had made a serious mistake.

We have a winner! Gregory Meyer from Kloof found the first Bug of 2024, and it was in the Alfred Duma Municipality, in Ladysmith, at the base of the Right hand flag pole in front of the municipal building. Mike V spoke to Gregory moments after he found the bug, to find out how he did it. This was also the moment where the explanation behind the very cryptic clues were found! Have a listen! Webpage

On Thursday morning Olympian Zakhiti Nene joined East Coast Breakfast for an exclusive interview! Did you know Zakithi Nene is actually from Ladysmith!? Darren, Sky and Carmen wanted to know everything! Like ... Did he meet the Turkish shooter? AND are the Olympic Village beds really that terrible!? Webpage

Today we find out aliens may NOT hate jazz, and then we meet some Canadians who will do anything to avoid paying 3 cents!   Artwork is from MountainManJake Patreon https://www.patreon.com/user?u=18482113 PayPal Donation Link https://tinyurl.com/mrxe36ph MERCH STORE!!! https://tinyurl.com/y8zam4o2 Amazon Wish List https://www.amazon.com/hz/wishlist/ls/28CIOGSFRUXAD?ref_=wl_share   Help Promote Dead Rabbit! Dual Flyer https://i.imgur.com/OhuoI2v.jpg "As Above" Flyer https://i.imgur.com/yobMtUp.jpg “Alien Flyer” By TVP VT U https://imgur.com/gallery/aPN1Fnw “QR Code Flyer” by Finn https://imgur.com/a/aYYUMAh   Links: EP 593 - Will Aliens Destroy Jazz In July 2021? https://deadrabbitradio.libsyn.com/ep-593-will-aliens-destroy-jazz-in-july-2021 July 18 and Hoaxers https://www.reddit.com/r/aliens/comments/nk2x4q/july_18_and_hoaxers/ Archive https://archive.is/GKEbB [MEGATHREAD] - Regarding throawaylien and Traveler, all future posts about them will be removed. If you want to continue the discussion about them this is where you should do it. https://www.reddit.com/r/aliens/comments/nknveh/megathread_regarding_throawaylien_and_traveler/ 'Rocky Horror' Fan Time Warps 5 Years to Complete a Tweet https://mashable.com/2014/05/13/rocky-horror-5-year-tweet/ Candy bar protest https://en.wikipedia.org/wiki/Candy_bar_protest From a shop in Ladysmith, chocolate strike affected sales across the country https://www.theglobeandmail.com/news/british-columbia/from-a-shop-in-ladysmith-chocolate-strike-affected-sales-across-the-country/article4102040/ Parliament Hill https://en.wikipedia.org/wiki/Parliament_Hill   ------------------------------------------------ Logo Art By Ash Black Opening Song: "Atlantis Attacks" Closing Song: "Bella Royale" Music By Simple Rabbitron 3000 created by Eerbud Thanks to Chris K, Founder Of The Golden Rabbit Brigade Dead Rabbit Archivist Some Weirdo On Twitter AKA Jack YouTube Champ Stewart Meatball The Haunted Mic Arm provided by Chyme Chili Forever Fluffle: Cantillions, Samson Discord Mods: Mason, HotDiggityDane http://www.DeadRabbit.com Email: DeadRabbitRadio@gmail.com Twitter: https://twitter.com/DeadRabbitRadio Facebook: www.Facebook.com/DeadRabbitRadio TikTok: https://www.tiktok.com/@deadrabbitradio Dead Rabbit Radio Subreddit: https://www.reddit.com/r/DeadRabbitRadio/ Paranormal News Subreddit: https://www.reddit.com/r/ParanormalNews/ Mailing Address Jason Carpenter PO Box 1363 Hood River, OR 97031 Paranormal, Conspiracy, and True Crime news as it happens! Jason Carpenter breaks the stories they'll be talking about tomorrow, assuming the world doesn't end today. All Contents Of This Podcast Copyright Jason Carpenter 2018 - 2024  

Furniture Industry News – August 5th, 2024Market Overview:Residential Furniture Orders: Experienced a 3% decline in May compared to last year, a contrast to April's 22% rise. Despite this dip, annual orders are up by 6%. These fluctuations indicate market normalization and suggest volatility that needs monitoring.Shipments and Backlogs: Remain stable despite the decline in new orders. However, the rise in retail bankruptcies, like Conn's/Badcock, indicates a challenging retail environment ahead.Economic Factors:Ocean Freight Rates: Though peaking, rates are expected to drop, still posing cost challenges for importers.Federal Reserve Actions: Possible interest rate cuts in September could lower borrowing costs, providing financial relief to businesses.Company Updates:Big Lots: Amended credit agreements may lead to the closure of up to 315 stores due to financial struggles, impacting thousands of jobs and market dynamics.Arhaus: Opened its first Design Studio in Peachtree City, GA, offering personalized shopping with advanced technology. Also, they contributed $10,000 to Southern Crescent Habitat for Humanity.Besse Forest Products: Closing three Wisconsin facilities, affecting 150 workers, due to an industry downturn. Only the Ladysmith location remains operational.Industry Events:Ashley Furniture: Participating in Furniture China 2024 Market in Shanghai from September 10-13. They will launch a customization program, new Ashley Sleep lineup, and International Accessory Container Program to expand global presence.New Product Launches:Therapedic: Introduced the MagnaComfort bedding line in partnership with Barnes & Noble College, targeting college students. The collection includes memory foam products, priced between $34.99 and $149.99, available online and in select campus bookstores.

PREVIEW: #UK ELECTION: Conversation with colleague Simon Constable from the South of France re the pending vote for Parliament - polls indicating a Labour victory but also an unknown turnout of undecided Tories. More tonight. 1900 Relief of Ladysmith

John Rustad is probing the NDP for weaknesses as he heads to Ladysmith to explore the local anger over the government's handling of a marina. We get a local look at the top political stories with the help of Vancouver Sun columnist Vaughn Palmer. Learn more about your ad choices. Visit megaphone.fm/adchoices

Seg 1: What's trending in the world of books right now? We check in with the people at Indigo to see what is trending and the books you should be adding to your collection. Guest: Amanda Gauthier, Director of Print Experience at Indigo Seg 2: Has anything changed in the 5 years since Canada's tobacco ruling? Thousands of people who were impacted by the health effects of tobacco products joined a legal battle and ultimately were awarded billions in compensation. However, no money has been received.  Guest: Rob Cunningham, Senior Policy Analyst, Canadian Cancer Society. Seg 3: View From Victoria: Rustad on the move in Ladysmith John Rustad is probing the NDP for weaknesses as he heads to Ladysmith to explore the local anger over the government's handling of a marina. We get a local look at the top political stories with the help of Vancouver Sun columnist Vaughn Palmer. Seg 4: Abbotsford homeless community sets up outside city hall The City of Abbotsford is facing a standoff with an encampment protesting homelessness at City Hall. Guest: Brittany Maple, Drug War Survivors Coordinator, Abbotsford Seg 5: What is a virtual guru? A lot of our work has moved to the online format, but could our assistants also change to exclusively working virtually? Guest: Bobby Rachette, CEO of Virtual Gurus Seg 6: Okanagan Farmers attempt to salvage a bad growing season. A dip in temperature in early January led to the destruction of many fruit crops in the Okanagan. Stone fruit trees and grapevines across the Okanagan Valley were killed leading farmers to pivot Guest: Sukhdeep Brar, Vice President of BC Fruit Growers Association Seg 7: Canada needs a strategy to monitor online gambling harms  Is enough being done to monitor the harms of online gambling and deal with the surge in advertisements targeting young people for these platforms? Guest: Dr. Matthew Young, Senior Research Associate, Canadian Centre on Substance Use and Addiction AND Chief Research Officer, Greo Evidence Insights Learn more about your ad choices. Visit megaphone.fm/adchoices

Joel sits down to chat with Bill Rands of SHOT (Safe Hunters of Tomorrow). Joel discovered Bill from an article on Wisconsin Outdoor News talking about the decreased deer population in northern Wisconsin to go along with increase in wolves. Rands involvement in SHOT consists of hosting children who have disabilities or are terminally ill on his roughly 3,000 acres in Ladysmith. The families stay at Rands' cabin on the property which allows them to experience the ultimate hunting experience they otherwise would not be able to be part of. The conversation also ties in Drexel's Wildlife Organization (DWO).

When Lindsey Kirk's husband came home and told her how much he was struggling at his swing shift factory job, it was clear they were at a crossroads.   She knew that in spite of her feeling of panic, it was time to take her jewelry business to the next level.   After 5 years of running a studio space to sell her pieces in Quincy, Illinois — while working a part-time job to make it work — Lindsey decided it was time to close the store and double down on her website (lucky for her, because the pandemic hit just a few weeks later).    Lindsey had been a fan of Thrive by Design since the podcast launched back in 2015, and when she and her husband decided he would go back to school, she came looking for support in playing full-out to build her online sales.     .  She enrolled in Laying the Foundation, and I am so excited to share her story with you today. Lindsey is a bad-ass implementer and has some amazing insights to share about how her business has grown to the point that she's been able to support her husband while he's back studying full-time.    In this episode, you'll hear:   The crazy numbers that Lindsey started seeing in her business as soon as she started working through the LTF material…   The 3 key concepts from LTF that changed everything for Lindsey's business (and the mindset shift that has helped her increase her business over 50% in the past year)...   The amazing social media campaign that helped Lindsey hit a key goal in her business and how sharing her love of dogs has bonded her community to her even more…   We also talk about why the structure of Laying the Foundation was so effective for her, changing the narrative of your inner voice, and how her business turned out to be the lifeboat she and her husband needed (instead of taking a backseat to his work).    Listen to episode #473 of Thrive by Design to get your all-access pass to She's Supporting Her Husband Through School With Her Jewelry Business with Lindsey Kirk.   Don't miss this beautiful conversation with Lindsey the Ladysmith.    Here are the resources mentioned in the show: Follow Lindsey the Ladysmith on Instagram! Gem City College Laying the Foundation Thrive by Design Podcast Marie Forleo The Humane Society Atlanta Texas Area Spay & Neuter Project   Are you enjoying the podcast? We'd be so grateful if you gave us a rating and review! Your 5 star ratings help us reach more businesses like yours and allows us to continue to deliver valuable content every single week.  Click here to review the show on Apple podcast or your favorite platform Select “Ratings and Reviews” and “Write a Review” Share your favorite insights and inspirations   If you haven't done so yet, make sure that you subscribe to the show wherever you listen to podcasts and on Apple Podcast for special bonus content you won't get elsewhere.   xo, Tracy Matthews   Follow on Instagram: Follow @Flourish_Thrive on Instagram Follow @TracyMatthewsNY  Instagram Follow Flourish & Thrive Facebook   Follow us on Tik Tok: Follow @Flourish_Thrive Tik Tok Follow @TracyMatthewsNY on Tik Tok  

The South African National Taxi Council is appealing for information about a double murder case in Ladysmith. Website

There's a search for the assailants behind the double murder of a taxi driver and a passenger in Ladysmith. Website

On this episode of Tent Show Radio, enjoy a thrilling hour of music from South Africa's Five Time Grammy Award winning singing group, Ladysmith Black Mambazo. Called South Africa's Cultural Ambassadors to the World by Nelson Mandela, Ladysmith Black Mambazo, was founded in the early 1960s by Joseph Shabalala, then a teenage Zulu farm boy living on the lands just outside the small town of Ladysmith. In 1970, a radio broadcast of one of their concerts opened the door to their first record contract. Singing a traditional style called isicathamiya (is-cot-a-ME-Ya), developed in the mines of South Africa, they collaborated with Paul Simon, incorporating their rich harmonies into the Graceland album (1986) – a landmark recording considered seminal in introducing World Music to mainstream audiences. The group would go on to record with Stevie Wonder, Dolly Parton, Sarah McLachlan, Josh Groban, Emmylou Harris and many others. They provided music for many movies, have appeared on Broadway and were even the subjects of a documentary film, On Tip Toe: The Story of Ladysmith Black Mambazo, which was nominated for an Academy Award. Their historic recording career includes over seventy albums, earning nineteen Grammy Award nominations and five Grammy Award wins, more than any other World Music group. They earned Grammys for their albums: Shaka Zulu (1988), Raise Your Spirit Higher (2004), Ilembe (2009), Singing For Peace Around the World (2013) and most recently Shaka Zulu Revisited: 30 Year Anniversary Celebration (2017).     EPISODE CREDITSMichael Perry - Host Phillip Anich - Announcer Gina Nagro - Marketing Support   FOLLOW BIG TOP CHAUTAUQUA https://www.facebook.com/bigtopchautauqua/ https://www.instagram.com/bigtopchautauqua/ https://www.tiktok.com/@bigtopchautauqua https://twitter.com/BigBlueTent FOLLOW HOST MICHAEL PERRYhttps://sneezingcow.com/ https://www.facebook.com/sneezingcow https://www.instagram.com/sneezingcow/ https://twitter.com/sneezingcow/ 2024 TENT SHOW RADIO SPONSORSAshland Area Chamber of Commerce - https://www.visitashland.com/    Bayfield Chamber and Visitor Bureau - https://www.bayfield.org/  Bayfield County Tourism - https://www.bayfieldcounty.wi.gov/150/Tourism  The Bayfield Inn - https://bayfieldinn.com/  Cable Area Chamber of Commerce - https://www.cable4fun.com/  Kylmala Truss - https://www.kylmalatruss.com/ SPECIAL THANKSWisconsin Public Radio - https://www.wpr.org/ 

Statistieke Suid-Afrika sê indiensneming in die formele sektor het met meer as 10,7 miljoen mense afgeneem. Ladysmith in KwaZulu-Natal kry 'n nuwe naam. Die MK-party bly vir eers op die stembriewe.

Enjoy this week's episode with Argentinian Dj & producer LUCERO. His love for music began at a very young age. At the age of 14 he was mixing with vinyl influenced by the New Wave, Electronic, Synthpopy and Jazz-Funk genres and developing a special interest in artists such as Pink Floyd, Depeche Mode, New Order, among others. During the time he lived in Argentina he was a resident at Voodoo Lounge. In 2015 he decided to work internationally, choosing to live in the city of Playa Del Carmen, a place where he currently continues to grow in his career as a resident of On Heaven and Speakeasy, sharing the scene and collaborating with local artists such as Jay Perlestein, Galgo, Cesar Lombardi, Nacho Kahn , Corcuera, Negrinm, among others. In 2022 he releases his first single called Matafiyi on the KMT record label, records with such acceptance that it will be re-released on the prestigious REDOLENT record label in January 2024, then he releases his first EP titled Orbits in 2023 on the Sky Top record label, later That year he released another EP titled Home on the Hexagonal Music record label and ending the year with a single on the Modern Architec Music record label. Years later, passionate about mixes, he performs in clubs in his native province, showing off on the dance floor a mix of genres such as House, Deep House and Melodic Techno. Enjoy this Indie Melodic Journey with LUCERO including his latest release Elements & Sentidos on Redolent! 01. Bob Sinclar, Africanism, MoBlack, Ladysmith & Black Mambazo - Steel Storm (Musumeci Remix) 02. Cassius, Cat Power, Pharrell - Go Up (Butch Remix) 03. Maori, Adam Ten - Spring Girl (Vintage Culture Remix) 04. Tom Zeta - Oops! 05. Lucero - Sentidos [Redolent] 06. Lucero - Elementos [Redolent] 07. Cassian, Icehouse - Great Southern Land 08. Wolfram - A Thing Called Love Feat. Haddaway (Kink Remix Wolfram Edit) 09. Alan Dixon - Drumatic 10. Alphadog - Inspiration 11. Booka Shade - Circulate (Together) 12. Adrian Hour - Sintetico 13. Lucero - Shape Of Joy This show is syndicated & distributed exclusively by Syndicast. If you are a radio station interested in airing the show or would like to distribute your podcast / radio show please register here: https://syndicast.co.uk/distribution/registration

There's a manhunt for a gunman who shot two people at a funeral in Ladysmith. Website

Lindsey Kirk isn't your average jewelry maker. She's a ladysmith who uses ancient tools and metal smith techniques to melt metals and pour them into clay and sand molds to craft her one-of-a -kind jewelry. Her purpose? It's more than making beautiful jewelry. It's making sure people know… they're cared for.

Samantha Meyrick is the spokesperson for IPSS Search and Rescue and shejoins Africa to provide an update on the recent floods that struck KZN.See omnystudio.com/listener for privacy information.

Aubrey speaks to Samantha Meyrick, spokesperson for IPSS Search and Rescue, providing an update on the recent floods that struck KZN and claimed an estimate of six lives while the search for the missing individuals continues. See omnystudio.com/listener for privacy information.

Ses mense is dood en minstens tien word vermis na ‘n rivier in die Ladysmith-omgewing in KwaZulu-Natal op Oukersaand sy walle oorstroom en vloedwater die N-11 naby die Limit Hill-verkeerslig getref het. Dit het tot ernstige skade aan infrastruktuur gelei en verskeie voertuie is meegesleur. Die woordvoerder van die provinsiale samewerkende regering-departement, Siboniso Mngadi, sê ‘n huis is heeltemal vernietig en drie familielede is meegesleur.

#KingCharlesReport: Joe Biden breaks off trade talks with the UK: can the King restore the special relationship? Gregory Copley, Defense & Foreign Affairs https://www.theguardian.com/us/sport 1900 Relief of Ladysmith

November 2, 1899: The Boers begin a 118-day siege of British-held Ladysmith during the Second Boer War.Support the show! Join Into History for ad-free listening and more.History Daily is a co-production of Airship and Noiser.Go to HistoryDaily.com for more history, daily.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Wisconsin is the nation's leader in dairy production, both when it comes to cows and goats. One less common, but still important piece to Wisconsin's dairy industry is dairy sheep.  Sheep milk products are gaining popularity with consumers. Hygiene products made with sheep's milk are also becoming increasingly popular, especially for people with sensitive skin. Tammy and Brian Michielson, owners of Maple Hill Farm of Ladysmith, Wisconsin have expanded their business into creating a wide variety of these products. They sell homemade soaps, lotions, bath products and many other things, made exclusively from their milking sheep flock.  “There is somewhat of a difference in composition when comparing sheep and cow's milk.,” explains Michielson. “Most notably, sheep milk is a bit more concentrated and higher in nutrient density, therefore giving it an advantage when it comes to processing. It takes less amount of milk to make the same amount of product.”See omnystudio.com/listener for privacy information.

This is episode 136 — the Zulu army has fallen on the Voortrekkers along the Bloukrans and Bushman's rivers, close to where Escourt and Ladysmith are to be found today, but right now it's February 17th 1838. The tributaries of these rivers were renamed Groot and Klein Moordspruit because of the bloody events of that time. By the morning of the 17th most of the families camped along these streams and rivers were dead. Within a few hours the right horn and the centre sections of the army had overrun the outlying Voortrekker camps, now the left horn prepared to assault Gerrit Maritz's laager. The Zulu army on the left flank initially approached the Viljoen camp, and Gert and Karel Viljoen, Gert Combrink, Izak Bezuidenhout, Meneer Schutte and Strydom, rode out to confront the attackers in an attempt to protect their families. Acting like plovers, the decoys split up in full view of the Zulu warriors, Gert and Izak riding towards the Bezuidenhout camp, and the others towards Englebrecht and Bothma camp. They were looting anything of value as they went, and as I mentioned at the end of last episode, their discipline was slipping. The left horn now rounded on Gerrt Maritz's laager, which was heavily defended unlike the other trekker camps, and he threw back the first attack. Many narratives of the future were being created about this defence, campfire stories of stoic action, including one where Martiz's ten year old son armed himself with a pistol and fired on the Zulu while his mother and other women carried ammunition back and forth while still in their dressing gowns. The Boers gathered back at Doornkop and revenge was on their lips. The sounds of weeping filled the air and for the next few days, outlying trekkers staggered towards this safe centre. The Voortrekkers had lost more than 600 of their people. IT was the biggest calamity to befall any of the settler parties by a long way — a significant event in the story of South Africa. The place where the main massacres took place is marked today by the town of Weenen, Place of Weeping. 110 trekker men had died, including the 60 at kwaMatiwane, 56 women were dead, but shockingly it was the number of children wiped out — 185 that really was an abomination and embittered the Boers. The AmaZulu did not fight like the amaXhosa they realised too late. For centuries they'd lived alongside the Xhosa, sometimes within their kraals, and never had they witnessed such cold blooded killing of infants and women. Then there were 250 coloured and Khoesan servants also speared to death by the Zulu — everywhere gore splattered the landscape — the Boers had lost one tenth of their population, and one-sixth of their men. The Zulu had killed everyone and everything, cats, dogs, even the chickens. However, in making a surprise attack, Dingana and his advisors had totally underestimated the Trekker's fighting spirit and their grit, even when facing odds of 30 or 40 to one. They had discovered that even when at a disadvantage, the Boers provided a sting. So it was with some irony that the first to respond to the Zulu attack on the Voortrekkers were the English who rode out from Durban.

In this road trip special recorded inside a 1970 Volkswagen bus in Jordan River, BC, Taylor tells Josie about spiritualist Edward Arthur Wilson, a.k.a. Brother XII, and the Aquarian Foundation, Vancouver Island's mystical doomsday cult. Plus: the sweetest protest in Canadian history—the Ladysmith chocolate bar strike of 1947.

We didn't think we would do this one justice, but I think we were able to give reverence to one of the great music accomplishments of our time. There's a combination of influences, on so many levels that you hear on this album and references to the forefathers of Zydeco, the Homeless, Ladysmith, Joseph and too many others to count. The Bass playing, the drumming, all amazing. You can call this one of the best albums ever.EnjoySupport the show

Jim Girvan is a Registered Professional Forester (RPF) who has dedicated over four decades of his life to the British Columbia forest industry. Jim's name is synonymous across North America in respect to fibre supply forecasting and the varied lobby efforts on the part of independent timber harvesting contractors, consultants, forest licensees, and investors. Residing in Ladysmith. BC, Jim is a recipient of the Distinguished Forest Professional Award from the Association of BC Forest Professionals. He has previously served as Executive Director of the Truck Loggers Association of BC, and has advocated for the forest industry through various articles and speaking engagements. Girvan earned a Masters of Business Administration from the University of British Columbia (UBC) and is the author of the book '

The Sixth Frontier war had started on 21st December 1834 and this would be a dirty affair - a calamity for the amaXhosa. When it began Hintsa the Xhosa regent did not join in, but something that was first called Maqoma's war was eventually to be known as Hintsa's war because of what happened to him. The amaxhosa were assaulting the frontier across a wide region from the Winterberg down to Algoa Bay. The English settlers fled to the towns of Bathurst, Grahamstown, Fort Beaufort, Salem. The Boers had setup laagers or entered the towns, the entire frontier was aflame. Governor D'Urban had left it too late to travel to the frontier to intelligence gather, and now there was a full-blown war on the go. The entirely unanticipated invasion of the Colony had unleashed widespread panic and confusion in the Albany, Somerset and Uitenhage districts and the amaxhosa had inflicted significant damage on the settlements. As you heard last episode, the missionaries were left alone by the rampaging Xhosa - who differentiated between an enemy and a friend. Back in Cape Town, Sir Benjamin D'Urban was in a panic of his own. It was at this moment that he turned to one of the most extraordinary men of the age, Colonel Henry George Wakelyn Smith. He'd fought with the Duke of Wellington in Spain where he met his wife who gave her name to Ladysmith. Juana Maria de lost Dolores de Leon was only 14 when he met her. Harry Smith was 24, and within two weeks they were married and basically from then on, she never left his side. I suppose you could say there was only a ten year age difference, but this was 1812. Juana, aka Lady Smith, travelled with Harry in the camps, from battle scene to battle scene, witnessing his fighting at close hand, each battle praying her beloved “Enrique” would emerge unscathed. And each battle he did indeed. Back on the frontier, the shock of the amaXhosa invasion had utterly popped the Settler smugness bubble. The fact that the amaXhosa were not intimidated by the empire and colonial power was frightening to men and women who were afraid of their own bureaucrats. The Settlers had been totally indifferent to the suffering of the amaXhosa on the frontier - and for that they were now paying a heavy price.

In this episode of the DU Podcast, host, Katie Burke, speaks with decoy collector, John Munson. John takes our listeners on a in depth look at Ladysmith, Wisconsin, decoy company, Evans Decoy Factory. He begins by sharing his journey to learning about Evans birds and ends with describing many of the nuances that make an Evans bird special. John finishes up by introducing the carver Jack Musgrove to Katie. https://decoyrelics.com/evans-factory-decoy-book www.ducks.org/DUPodcast  

November 2, 1899: The Boers begin a 118-day siege of British-held Ladysmith during the Second Boer War. Learn more about your ad choices. Visit megaphone.fm/adchoices