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Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society.   In this episode, Justin interviews RIMS CEO Gary LaBranche about what you can expect from RIMS in 2025. This value-packed discussion offers Gary's comments on 2025 RIMS President Kristen Peed, RIMS' 75th Anniversary events, possible insurance impacts of proposed trade tariffs, nuclear verdicts, and third-party litigation. Gary encourages you to join RIMS Advocacy and the RIMS Legislative Summit on March 19th and 20th, 2025 to lobby on Capitol Hill. He shares insights on public safety, security, and of course, news of RISKWORLD 2025 and more.   Listen for how you can participate in 2025 RIMS events. Key Takeaways: [:01] About RIMS. [:16] About this episode, coming to you from RIMS headquarters in New York, kicking off 2025 with RIMS CEO Gary LaBranche! Gary, welcome back to RIMScast! [:59] Interview! Gary had a quiet, fun New Year's Eve at home, dining on Asian sea bass with champagne and watching television. [1:39] This is a big year for RIMS. RIMS has a new president, Kristen Peed. Justin has known her since he started with RIMS. Kristen is a long-time volunteer, very positive, and great at representing RIMS. She continues in a long line of volunteer leaders who have built RIMS. [2:29] Gary reports that RIMS 2024 president David Arick had a wonderful term. On David's last day, the Wall Street Journal published an interview with him; a wonderful capstone to his year. [2:49] RIMS board presidents serve as unpaid volunteers. They travel for board meetings and events, taking time away from their families and jobs. Gary says everyone should appreciate what the board president and officers, chapter leaders, and other volunteers do to help RIMS. [3:35] Reading the history of RIMS, Gary is struck with and inspired by the long line of volunteers who put their shoulders to the wheel, creating this organization. [3:59] RIMS is delighted to have Kristen. Kristen is with Sequoia. You'll get to meet her at RISKWORLD, the RIMS Canada Conference, and other activities in 2025. Kristen embodies the spirit of the RIMS community. [4:29] This year is the 75th anniversary of RIMS. It's a good opportunity to reflect and appreciate all that came before us. RIMS New York traces its roots to the 1930s. Later, four groups came together to create the National Association of Insurance Buyers, today known as RIMS, in 1950. [5:44] The NAIB provided networking and learning opportunities for commercial buyers of corporate insurance. They saw that it would be helpful to have a national view and ultimately, an international view of the issues and trends in the commercial side of insurance. [6:26] Reading the history gives you a better sense of how RIMS has played a key role in creating today's insurance world. Justin points out that they organized RIMS without email or interstate highways! They worked hard to make the organization happen. [8:31] RIMS will celebrate its 75th anniversary throughout the year. Chapter leaders will soon attend the Annual Leadership Forum to kick things off. At the RIMS Canada Conference 2024, RIMS unveiled the 75th Anniversary logo and themes. RISKWORLD 2025 will be the tent pole event. [9:21] This will be the biggest RISKWORLD in history! The biggest RIMS annual conference was held in Chicago 20 years ago. RISKWORLD 2025 will be in Chicago from May 4th to May 7th and RIMS is expecting to see well over 11,000 attend. Other events will also feature the anniversary. [9:53] RIMS is launching the Texas Regional Conference, with the four Texas chapters, in August, in San Antonio. It's a wonderful opportunity for folks in that region to gain access to the power and value represented in the RIMS community. [11:04] About trade tariffs: Gary recently spent an hour at a U.S. Chamber of Commerce meeting, talking with top trade policy experts. U.S. President-elect Donald Trump has mentioned tariffs. How would new tariffs impact consumers? What might they do to the cost of insurance? [13:05] If any goods go up in cost, that could potentially have an effect on the cost of insurance, just as inflation causes prices to go up. If you're insuring a fleet of trucks, where do you get the parts to fix those vehicles? Will the cost of those parts go up? [14:05] Right now, we don't know. There are differences of opinion. Some 60% of replacement truck and auto parts are made outside of the United States. If tariffs are imposed on those, and if those costs are passed on to consumers, that will raise the cost of insurance. [14:56] Justin sees tariffs impacting insurance rates, the supply chain, and decisions risk professionals make about materials to use. Tariffs may not have their intended effect of having you “buy American” if you're in America. It may not work that way. [15:28] Gary notes that tariffs, historically, have had the long-term effect of spurring domestic production. The question is, how fast will that happen? How long will it take to create the infrastructure to create more cement or truck parts? Where will the workers come from? [16:16] If there are price increases for supplies and materials or if there are disruptions in the supply chain, that will have a dragging effect in terms of the cost of insurance. RIMS publications will tackle this topic and report on it as they have done for 75 years. [17:08] Dave Arick was interviewed in the Wall Street Journal, He discussed how “nuclear verdicts” of $10 million or more are influencing what happens in the insurance markets. Nuclear verdicts create higher costs. [17:47] If insurance companies are paying out more and more for those claims, they're going to try to recoup that cost through higher premiums in the future. RIMS is concerned about the runaway growth of nuclear verdicts. [18:11] Ultimately,  the claims bar pumping up the demands for recompense is having an impact on cost. When someone is hurt, there should be recompense for that. The issue is the significant growth in multi-million dollar verdicts that are outside of what is reasonable and fair. [18:53] If that happens, it simply drives up the cost for businesses to do business. If people are getting 10 times the reasonable recompense for their injuries, it starts to add up significantly. [19:35] Plug Time! RIMS Webinars! Resolver will be joining us on February 6th with a topic to be announced. [19:42] HUB International continues its Ready for Tomorrow Series with RIMS. On February 20th, they will host “Ready for the Unexpected? Strategies for Property Valuation, Disaster Recovery and Business Continuity in 2025”. [19:58] More webinars will be announced soon and added to the RIMS.org/webinars page. Go there to register. Registration is complimentary for RIMS members. [20:10] Nominations are also open for the Donald M. Stuart Award which recognizes excellence in risk management in Canada. Links are in this episode's show notes. [20:21] Congratulations to my RIMS colleagues! RISKWORLD 2024 was honored with the 2024 TSNN Trade Show News Network Award for Outstanding Commitment to Advancing DE&I in the Risk Management Community Through Intentional Programming and Representation! [20:44] The programming included real-time translation technology and partnerships with DE&I organizations NAAIA, AAIN, and APIW, fostering a globally inclusive environment, and keynote speaker Academy Award-winning actress, Marlee Matlin, on inclusion and accessibility. [21:10] The TSNN Award is a huge honor and RIMS is so pleased that our continued DE&I efforts are being recognized by various industries, specifically in events and exhibitions. [21:23] Of course, a big shout-out to the RIMS DE&I Advisory Council for their unwavering commitment to helping advance DE&I initiatives at our conferences and RIMS events throughout the risk management community. [21:36] There are still DE&I sponsorship opportunities available for RISKWORLD 2025 in Chicago. You can visit the link in this episode's show notes for more details. [21:51] Back to My Interview with RIMS CEO Gary LaBranche! [22:03] Justin and Gary consider third-party litigation, which impacts the courts, laws, and legislation. Gary will attend the RIMS Legislative Summit, to be held on March 19th and 20th. [22:39] Gary says the plaintiffs' bar has discovered the power of investment. They have learned they can gather investors who will back a potential lawsuit and fund lawsuits that come along, in return for a share of the proceeds of that suit. That has always been concerning. [23:13] Something that has become an additional concern is the lack of transparency as to where those investment funds are coming from. They could be coming from anywhere, inside or outside the U.S. They could be from sources that could be illegal. It's unknown. [23:45] As a matter of national security and public policy, RIMS thinks it's time we have better insight into the sources of funds for third-party litigation. Gary will be on Capitol Hill, lobbying with members of Congress for transparency in funding third-party litigation. [24:09] A link to the RIMS.org/advocacy page is in the show notes. If you're a RIMS member and want to go to Capitol Hill for a couple of days with the very knowledgeable RIMS staff and have a chance to meet with your Representatives in Congress, that's the way to do it. [24:26] Gary will be there, RIMS General Counsel, Mark Prysock, will be there, and a few other very knowledgeable folks will help you prepare for these fun “pitches.” Gary says it's a blast. You're telling your story and why this is something of concern to you. [25:12] Typically you'll be meeting with staff members who are directly involved in the public policy process. They want to hear your story, especially if you're from their district. It's a lot of walking, listening, and talking along with your peers. You'll appreciate what you've done. [25:56] Going from office to office on the Hill, you're seeing other people doing the same thing; ranchers, flight attendants, and more. It's an interesting cross-section of America. You're seeing the Constitutional freedom of speech. It gives you a perspective on the public policy process. [26:51] Gary has led other organizations for 25 years, so he has been to Capitol Hill a few dozen times. He worked in Washington D.C. for years. He loves gathering a group of members, having a reception and a briefing, and walking around Capitol Hill. By lunchtime, people are excited. [27:53] At the end of the day, there's a sense of relief and satisfaction; most of the members want to know when they can do it again! Justin did it in 2018 and it made an impression on him. He also loves speaking with the people who are involved in it. [28:25] 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. [28:43] Since 2010, Spencer has awarded over $3.3 million in general grants to support over 130 student-centered experiential learning initiatives at universities and RMI non-profits. Spencer's 2026 application process will open on May 1st, 2025, and close on July 30th, 2025. [29:07] General grant awardees are typically notified at the end of October. Learn more about Spencer's general grants through the Programs tab at SpencerEd.org. [29:18] Let's Return to the Conclusion of My Interview with RIMS CEO Gary LaBranche! [29:31] Justin describes the horrific terrorist act in New Orleans on New Year's. Someone circumvented the meager barriers, drove onto the Bourbon Street sidewalk, ran over several people, and exchanged fire with the police. The police neutralized him. [30:11] He had killed 14 people and disrupted everything going on there. This also affected the local economy. RISKWORLD 2023 was affected by an issue in the host city. RIMS has had other issues with public safety. Gary mentions the car bomb in Las Vegas and RIMS' security plans. [32:26] For conferences like RISKWORLD, 30 to 50 hotels are used. You have to look at the security measures already in place for each hotel. That sort of thing keeps Gary up at night. [32:54] Before lunch on his first day back, Gary was on the phone with staff to restart their thinking about RISKWORLD security, in light of the attacks in New Orleans and Las Vegas. RIMS is well advanced on plans for RISKWORLD 2025. Security will be even more on their minds. [33:37] RISKWORLD has no big outdoor events for this year. Chicago in May is not necessarily warm and sunny, so they will be inside. RIMS has a responsibility as event organizers to think about the risks. Every event organizer must do the same. [34:33] RISKWORLD 2025 keynotes and speakers have been announced. Find them at RIMS.org/RISKWORLD. Chicago is a Mecca for the risk management and insurance community. Gary can't think of a better place to have the 75th Anniversary RISKWORLD convention. [35:43] RISKWORLD 2025 will be held at the McCormick Convention Center, in one of the most beautiful cities in the country. It has a great, diverse culture with 77 unique neighborhoods. [36:01] The RISKWORLD 2025 program is very exciting, being built by great risk professionals who are contributing their time and talent to sharing their knowledge and insight. It's a lot of fun and it's a “heck of an event!” Gary is thrilled about the whole thing! [36:26] A huge team works so hard on creating RISKWORLD. It is so much work and there is so much work on-site. At the end of it, the team is exhausted, and so sad that it's over! It's a wonderful, fun, safe, educational experience, and then it's gone. RIMS works on it year-round. [37:15] Three of the keynotes will be delivering TED talks on the main stage on Tuesday, May 6th. Rachel DeAlto, Ryan Harris, and Holly Ransom. It's called “Triple Vision, Leadership Insights.” RISKWORLD has never done anything like that before. [37:34] These will be short, punchy, to-the-point talks showing a diversity of perspectives, and touching on more topics, and it's more in keeping with how people obtain and consume information today. Gary is very excited about them. He's watching to see how it works. [38:18] The RISKWORLD 2025 opening reception will be on Sunday, May 4th, at the Field Museum of Natural History. Gary calls it one of the greatest museums in North America and it's a great place to have an event. Gary has done black-tie events there. It has a wonderful view. [39:47] Public registration is open. Go to RIMS.org/RISKWORLD and register today! [40:01] This episode with RIMS CEO Gary LaBranche has given us a great glimpse into 2025. Gary will be back on RIMScast sometime after RISKWORLD 2025. [40:53] Gary says RIMS has an extraordinary IT team and they are always drilling on avoiding phishing and cyber-attacks. Risk management is important. When he looks a the RIMS logo, he is reminded that the wind is in our sails. Risk management could not be hotter, now! [41:39] Gary ranks hot, sexy jobs now: astronaut, firefighter, and risk manager! He hopes people take pride in their risk manager jobs. There's a lot of demand. Salaries have been going up, according to the RIMS salary survey. There are more people attracted to the profession. [42:01] At RISKWORLD, we get 250 or more students. It's fun to watch them compete in the Spencer Risk Management Challenge. It's fun to see the support that Spencer and the community give them. It's fun to see them engage with our professionals and want to learn. [42:39] RIMS CEO Gary LaBranche, thank you so much. It's always a pleasure! [42:46] Special thanks, as always, to RIMS CEO Gary LaBranche for stopping by and keeping us informed. Be sure to check out all the links in this episode's show notes to learn more about RISKWORLD 2025, RIMS advocacy, and other RIMS initiatives and events. [43:06] More RIMS Plugs! You can sponsor a RIMScast episode for this, our weekly show, or a dedicated episode. Links to sponsored episodes are in our show notes. [43:32] 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. [43:51] 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. [44:09] 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.  [44:25] 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. [44:39] Justin Smulison is the Business Content Manager at RIMS. You can email Justin at Content@RIMS.org. [44:47] Thank you all for your continued support and engagement on social media channels! We appreciate all your kind words. Listen every week! Stay safe!   Mentioned in this Episode: RIMS Risk Management magazine RISKWORLD 2025 — May 4‒7 | Register today! RIMS Legislative Summit — March 19‒20, 2025 Nominations for the Donald M. Stuart Award Spencer Educational Foundation — General Grants 2026 — Application Dates RIMS-Certified Risk Management Professional (RIMS-CRMP) Kristen Peed named 2025 President of RIMS ‘Nuclear Verdicts' Driving Up Costs of Doing Business, Says Risk Management Society's Head — The Wall Street Journal, Dec. 30, 2024 — an interview with former RIMS President David Arick RIMS DEI Council | Learn more about DEI Inclusivity Partnership opportunities at RISKWORLD RIMS Webinars: RIMS.org/Webinars “Ready for the Unexpected? Strategies for Property Valuation, Disaster Recovery and Business Continuity in 2025” | Sponsored by Hub International | Feb. 20, 2025 Upcoming Virtual Workshops: “Claims Management” | February 11‒12, 2025 | Instructor: Chris Hansen “Fundamentals of Insurance” | Feb. 19‒20, 2025 “Applying and Integrating ERM” | Feb. 26‒27 “Managing Data for ERM” | March 12, 2025 See the full calendar of RIMS Virtual Workshops RIMS-CRMP Prep Workshops   Upcoming RIMS-CRMP Prep Virtual Workshops: “Stay Competitive with the RIMS-CRMP” | Presented by the RIMS Greater Bluegrass Chapter February 19‒20, 2025 | Instructor: Chris Mandel Full RIMS-CRMP Prep Course Schedule   Related RIMScast Episodes: “Year In Risk 2024 with Morgan O'Rourke and Hilary Tuttle” “300th Episode Spectacular with RIMS CEO Gary LaBranche” “RIMS Advocacy Updates 2024 with Mark Prysock” “Change Management and Strategy with Jay Kiew, RIMS Canada Conference 2024 Keynote” “On Risk Appetite and Tolerance” “Global Perspectives with RIMS 2023 Chapter Presidents” (ft. Greater Bluegrass Chapter)   Sponsored RIMScast Episodes: “Simplifying the Challenges of OSHA Recordkeeping” | Sponsored by Medcor (New!) “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 “Alliant's P&C Outlook For 2024” | Sponsored by Alliant “Why Subrogation is the New Arbitration” | Sponsored by Fleet Response “Cyclone Season: Proactive Preparation for Loss Minimization” | Sponsored by Prudent Insurance Brokers Ltd. “Subrogation and the Competitive Advantage” | Sponsored by Fleet Response   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 Vice President Manny Padilla!    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: Gary LaBranche, FASAE, CAE, CEO of RIMS   Production and engineering provided by Podfly.  

David tops the hill, Ziklag is smoldering, Family is captive, Wealth is stolen.  Weeping ensues then talk of revenge:  Not on the Amalekits...On David.  Our future King is in the Press of God.  He's being crushed & what comes out of him after his tears are exhausted is Repentance & a Return to the Lord his God.  "Bring me the Ephod" is the command.  Let's see what God has to say.  We have much to learn & apply from this chapter of David's life.

On David's last pod before his Christmas vacation, we take a look at what to expect from Tomas Zorn in his "new" role at Lokomotiv and ask whether or not Ralf Rangnick still exerts his influence at the club from afar. We also review all the latest in the RPL and take a look back at the FNL Winter part of the season as a whole with their break already underway. Timestamps: 01:24 - Zorn's "New" Role 20:48 - FNL Winter Review 37:02 - RPL Action 37:10 - Khimki 3-3 Krasnodar 40:13 - Arsenal 3-1 Lokomotiv 45:08 - Rubin 2-3 Dynamo 52:13 - News in Brief 57:03 - Outro RFN Socials: Twitter - @RusFootballNews Instagram - rusfootballnews Youtube - Russian Football News Email - russianfootballnews1@gmail.com

In today's episode our host Harrison Wheeler is joined by David Dylan Thomas, speaker, filmmaker, and author of Designed for Cognitive Bias, to talk about the fascinating world of cognitive biases, how they influence our day-to-day lives, the importance of sticking to a growth mindset and how to deal with impostor syndrome. Googling and learning from Wikipedia will never make you an expert, but it will definitely open doors for you. You don't want to miss this conversation, so tune in now! Jump straight into: (01:33) - A cheerleader for inclusive design: Meet David Dylan Thomas. (04:57) - On David's passion for cognitive bias and the birth of the Cognitive Bias Podcast. (09:38) - The outward effects of cognitive biases on our day to day lives and the problem with binary thinking. (22:12) - Is a world without biases possible?: On thoughtful decision making and the importance of cultivating inclusion and collaboration.  (25:33) - Design for Cognitive Bias: How David built an entire platform to share his work and expertise. (34:13) - The secret sauce: On David's experience design and the perspectives he brings to the table. (39:27) - What's next on David's agenda? Episode Resources: Connect with David through https://www.linkedin.com/in/daviddylanthomas1/ (LinkedIn) and https://twitter.com/movie_pundit (Twitter) Sign up for David's newsletter https://daviddylanthomas.us9.list-manage.com/subscribe?u=963fa6d62413a82c6778288fa&id=f1a876a0d7 (here) https://abookapart.com/products/design-for-cognitive-bias (Design for Cognitive Bias) by David Dylan Thomas https://podcasts.apple.com/us/podcast/the-cognitive-bias-podcast/id1197648130 (The Cognitive Bias Podcast) https://www.youtube.com/watch?v=0KgevAOMHCA (Iris Bohnet | What Works: Gender Equality by Design) https://abookapart.com/ (A Book Apart) https://www.rebuildblackbusiness.com/ (Rebuild Black Business) https://automattic.com/ (Automattic) Support this podcast

Readings for Sunday, July 11, 2021 “…if you confess with your lips that Jesus is Lord and believe in your heart that God raised him from the dead, you will be saved. For one believes with the heart and so is justified, and one confesses with the mouth and so is saved.” -- Romans 10:9-10 Morning Psalm 103 1 Bless the Lord, O my soul, and all that is within me, bless his holy name. 2 Bless the Lord, O my soul, and do not forget all his benefits— 3 who forgives all your iniquity, who heals all your diseases, 4 who redeems your life from the Pit, who crowns you with steadfast love and mercy, 5 who satisfies you with good as long as you live so that your youth is renewed like the eagle's. 6 The Lord works vindication and justice for all who are oppressed. 7 He made known his ways to Moses, his acts to the people of Israel. 8 The Lord is merciful and gracious, slow to anger and abounding in steadfast love. 9 He will not always accuse, nor will he keep his anger forever. 10 He does not deal with us according to our sins, nor repay us according to our iniquities. 11 For as the heavens are high above the earth, so great is his steadfast love toward those who fear him; 12 as far as the east is from the west, so far he removes our transgressions from us. 13 As a father has compassion for his children, so the Lord has compassion for those who fear him. 14 For he knows how we were made; he remembers that we are dust. 15 As for mortals, their days are like grass; they flourish like a flower of the field; 16 for the wind passes over it, and it is gone, and its place knows it no more. 17 But the steadfast love of the Lord is from everlasting to everlasting on those who fear him, and his righteousness to children's children, 18 to those who keep his covenant and remember to do his commandments. 19 The Lord has established his throne in the heavens, and his kingdom rules over all. 20 Bless the Lord, O you his angels, you mighty ones who do his bidding, obedient to his spoken word. 21 Bless the Lord, all his hosts, his ministers that do his will. 22 Bless the Lord, all his works, in all places of his dominion. Bless the Lord, O my soul. Psalm 150 1 Praise the Lord ! Praise God in his sanctuary; praise him in his mighty firmament! 2 Praise him for his mighty deeds; praise him according to his surpassing greatness! 3 Praise him with trumpet sound; praise him with lute and harp! 4 Praise him with tambourine and dance; praise him with strings and pipe! 5 Praise him with clanging cymbals; praise him with loud clashing cymbals! 6 Let everything that breathes praise the Lord ! Praise the Lord ! Midday 1 Samuel 17:50-18:4 50 So David prevailed over the Philistine with a sling and a stone, striking down the Philistine and killing him; there was no sword in David's hand. 51 Then David ran and stood over the Philistine; he grasped his sword, drew it out of its sheath, and killed him; then he cut off his head with it. When the Philistines saw that their champion was dead, they fled. 52 The troops of Israel and Judah rose up with a shout and pursued the Philistines as far as Gath and the gates of Ekron, so that the wounded Philistines fell on the way from Shaaraim as far as Gath and Ekron. 53 The Israelites came back from chasing the Philistines, and they plundered their camp. 54 David took the head of the Philistine and brought it to Jerusalem; but he put his armor in his tent. 55 When Saul saw David go out against the Philistine, he said to Abner, the commander of the army, “Abner, whose son is this young man?” Abner said, “As your soul lives, O king, I do not know.” 56 The king said, “Inquire whose son the stripling is.” 57 On David's return from killing the Philistine, Abner took him and brought him before Saul, with the head of the Philistine in his hand. 58 Saul said to him, “Whose son are you, young man?” And David answered, “I am the son of your servant Jesse the Bethlehemite.” 18:1 When David had finished speaking to Saul, the soul of Jonathan was bound to the soul of David, and Jonathan loved him as his own soul. 2 Saul took him that day and would not let him return to his father's house. 3 Then Jonathan made a covenant with David, because he loved him as his own soul. 4 Jonathan stripped himself of the robe that he was wearing, and gave it to David, and his armor, and even his sword and his bow and his belt. Romans 10:4-17 4 For Christ is the end of the law so that there may be righteousness for everyone who believes. 5 Moses writes concerning the righteousness that comes from the law, that “the person who does these things will live by them.” 6 But the righteousness that comes from faith says, “Do not say in your heart, ‘Who will ascend into heaven?'” (that is, to bring Christ down) 7 “or ‘Who will descend into the abyss?'” (that is, to bring Christ up from the dead). 8 But what does it say? “The word is near you, on your lips and in your heart” (that is, the word of faith that we proclaim); 9 because if you confess with your lips that Jesus is Lord and believe in your heart that God raised him from the dead, you will be saved. 10 For one believes with the heart and so is justified, and one confesses with the mouth and so is saved. 11 The scripture says, “No one who believes in him will be put to shame.” 12 For there is no distinction between Jew and Greek; the same Lord is Lord of all and is generous to all who call on him. 13 For, “Everyone who calls on the name of the Lord shall be saved.” 14 But how are they to call on one in whom they have not believed? And how are they to believe in one of whom they have never heard? And how are they to hear without someone to proclaim him? 15 And how are they to proclaim him unless they are sent? As it is written, “How beautiful are the feet of those who bring good news!” 16 But not all have obeyed the good news; for Isaiah says, “Lord, who has believed our message?” 17 So faith comes from what is heard, and what is heard comes through the word of Christ. Matthew 23:29-39 29 “Woe to you, scribes and Pharisees, hypocrites! For you build the tombs of the prophets and decorate the graves of the righteous, 30 and you say, ‘If we had lived in the days of our ancestors, we would not have taken part with them in shedding the blood of the prophets.' 31 Thus you testify against yourselves that you are descendants of those who murdered the prophets. 32 Fill up, then, the measure of your ancestors. 33 You snakes, you brood of vipers! How can you escape being sentenced to hell? 34 Therefore I send you prophets, sages, and scribes, some of whom you will kill and crucify, and some you will flog in your synagogues and pursue from town to town, 35 so that upon you may come all the righteous blood shed on earth, from the blood of righteous Abel to the blood of Zechariah son of Barachiah, whom you murdered between the sanctuary and the altar. 36 Truly I tell you, all this will come upon this generation. 37 “Jerusalem, Jerusalem, the city that kills the prophets and stones those who are sent to it! How often have I desired to gather your children together as a hen gathers her brood under her wings, and you were not willing! 38 See, your house is left to you, desolate. 39 For I tell you, you will not see me again until you say, ‘Blessed is the one who comes in the name of the Lord.'” Evening Psalm 117 1 Praise the Lord, all you nations! Extol him, all you peoples! 2 For great is his steadfast love toward us, and the faithfulness of the Lord endures forever. Praise the Lord ! Psalm 139 1 O Lord, you have searched me and known me. 2 You know when I sit down and when I rise up; you discern my thoughts from far away. 3 You search out my path and my lying down, and are acquainted with all my ways. 4 Even before a word is on my tongue, O Lord, you know it completely. 5 You hem me in, behind and before, and lay your hand upon me. 6 Such knowledge is too wonderful for me; it is so high that I cannot attain it. 7 Where can I go from your spirit? Or where can I flee from your presence? 8 If I ascend to heaven, you are there; if I make my bed in Sheol, you are there. 9 If I take the wings of the morning and settle at the farthest limits of the sea, 10 even there your hand shall lead me, and your right hand shall hold me fast. 11 If I say, “Surely the darkness shall cover me, and the light around me become night,” 12 even the darkness is not dark to you; the night is as bright as the day, for darkness is as light to you. 13 For it was you who formed my inward parts; you knit me together in my mother's womb. 14 I praise you, for I am fearfully and wonderfully made. Wonderful are your works; that I know very well. 15 My frame was not hidden from you, when I was being made in secret, intricately woven in the depths of the earth. 16 Your eyes beheld my unformed substance. In your book were written all the days that were formed for me, when none of them as yet existed. 17 How weighty to me are your thoughts, O God! How vast is the sum of them! 18 I try to count them—they are more than the sand; I come to the end—I am still with you. 19 O that you would kill the wicked, O God, and that the bloodthirsty would depart from me— 20 those who speak of you maliciously, and lift themselves up against you for evil! 21 Do I not hate those who hate you, O Lord ? And do I not loathe those who rise up against you? 22 I hate them with perfect hatred; I count them my enemies. 23 Search me, O God, and know my heart; test me and know my thoughts. 24 See if there is any wicked way in me, and lead me in the way everlasting. You can also find all of today's readings at PCUSA.org. The Daily Lectionary podcast is a ministry of First Presbyterian Church of Plattsburgh, NY, read by Pastor Timothy J. Luoma.

On David's birthday, the duo discuss the aftermath of the Capital Building riots, what will happen if Trump does or doesn't get impeached, going to new doctors, and DMX.

David and Goliath 1 Samuel 17 - Read by Heather Starkey 1 Now the Philistines gathered their armies for battle; they were gathered at Socoh, which belongs to Judah, and encamped between Socoh and Azekah, in Ephes-dammim. 2 Saul and the Israelites gathered and encamped in the valley of Elah, and formed ranks against the Philistines. 3 The Philistines stood on the mountain on the one side, and Israel stood on the mountain on the other side, with a valley between them. 4 And there came out from the camp of the Philistines a champion named Goliath, of Gath, whose height was six cubits and a span. 5 He had a helmet of bronze on his head, and he was armed with a coat of mail; the weight of the coat was five thousand shekels of bronze. 6 He had greaves of bronze on his legs and a javelin of bronze slung between his shoulders. 7 The shaft of his spear was like a weaver's beam, and his spear's head weighed six hundred shekels of iron; and his shield-bearer went before him. 8 He stood and shouted to the ranks of Israel, “Why have you come out to draw up for battle? Am I not a Philistine, and are you not servants of Saul? Choose a man for yourselves, and let him come down to me. 9 If he is able to fight with me and kill me, then we will be your servants; but if I prevail against him and kill him, then you shall be our servants and serve us.” 10 And the Philistine said, “Today I defy the ranks of Israel! Give me a man, that we may fight together.” 11 When Saul and all Israel heard these words of the Philistine, they were dismayed and greatly afraid.   12 Now David was the son of an Ephrathite of Bethlehem in Judah, named Jesse, who had eight sons. In the days of Saul the man was already old and advanced in years. 13 The three eldest sons of Jesse had followed Saul to the battle; the names of his three sons who went to the battle were Eliab the firstborn, and next to him Abinadab, and the third Shammah. 14 David was the youngest; the three eldest followed Saul, 15 but David went back and forth from Saul to feed his father's sheep at Bethlehem. 16 For forty days the Philistine came forward and took his stand, morning and evening.   17 Jesse said to his son David, “Take for your brothers an ephah of this parched grain and these ten loaves, and carry them quickly to the camp to your brothers; 18 also take these ten cheeses to the commander of their thousand. See how your brothers fare, and bring some token from them.” 19 Now Saul, and they, and all the men of Israel, were in the valley of Elah, fighting with the Philistines. 20 David rose early in the morning, left the sheep with a keeper, took the provisions, and went as Jesse had commanded him. He came to the encampment as the army was going forth to the battle line, shouting the war cry. 21 Israel and the Philistines drew up for battle, army against army. 22 David left the things in charge of the keeper of the baggage, ran to the ranks, and went and greeted his brothers. 23 As he talked with them, the champion, the Philistine of Gath, Goliath by name, came up out of the ranks of the Philistines, and spoke the same words as before. And David heard him.   24 All the Israelites, when they saw the man, fled from him and were very much afraid. 25 The Israelites said, “Have you seen this man who has come up? Surely he has come up to defy Israel. The king will greatly enrich the man who kills him, and will give him his daughter and make his family free in Israel.” 26 David said to the men who stood by him, “What shall be done for the man who kills this Philistine, and takes away the reproach from Israel? For who is this uncircumcised Philistine that he should defy the armies of the living God?” 27 The people answered him in the same way, “So shall it be done for the man who kills him.” 28 His eldest brother Eliab heard him talking to the men; and Eliab's anger was kindled against David. He said, “Why have you come down? With whom have you left those few sheep in the wilderness? I know your presumption and the evil of your heart; for you have come down just to see the battle.” 29 David said, “What have I done now? It was only a question.” 30 He turned away from him toward another and spoke in the same way; and the people answered him again as before.   31 When the words that David spoke were heard, they repeated them before Saul; and he sent for him. 32 David said to Saul, “Let no one's heart fail because of him; your servant will go and fight with this Philistine.” 33 Saul said to David, “You are not able to go against this Philistine to fight with him; for you are just a boy, and he has been a warrior from his youth.” 34 But David said to Saul, “Your servant used to keep sheep for his father; and whenever a lion or a bear came, and took a lamb from the flock, 35 I went after it and struck it down, rescuing the lamb from its mouth; and if it turned against me, I would catch it by the jaw, strike it down, and kill it. 36 Your servant has killed both lions and bears; and this uncircumcised Philistine shall be like one of them, since he has defied the armies of the living God.” 37 David said, “The Lord, who saved me from the paw of the lion and from the paw of the bear, will save me from the hand of this Philistine.” So Saul said to David, “Go, and may the Lord be with you!”   38 Saul clothed David with his armor; he put a bronze helmet on his head and clothed him with a coat of mail. 39 David strapped Saul's sword over the armor, and he tried in vain to walk, for he was not used to them. Then David said to Saul, “I cannot walk with these; for I am not used to them.” So David removed them. 40 Then he took his staff in his hand, and chose five smooth stones from the wadi, and put them in his shepherd's bag, in the pouch; his sling was in his hand, and he drew near to the Philistine.   41 The Philistine came on and drew near to David, with his shield-bearer in front of him. 42 When the Philistine looked and saw David, he disdained him, for he was only a youth, ruddy and handsome in appearance. 43 The Philistine said to David, “Am I a dog, that you come to me with sticks?” And the Philistine cursed David by his gods. 44 The Philistine said to David, “Come to me, and I will give your flesh to the birds of the air and to the wild animals of the field.” 45 But David said to the Philistine, “You come to me with sword and spear and javelin; but I come to you in the name of the Lord of hosts, the God of the armies of Israel, whom you have defied. 46 This very day the Lord will deliver you into my hand, and I will strike you down and cut off your head; and I will give the dead bodies of the Philistine army this very day to the birds of the air and to the wild animals of the earth, so that all the earth may know that there is a God in Israel, 47 and that all this assembly may know that the Lord does not save by sword and spear; for the battle is the Lord's and he will give you into our hand.”   48 When the Philistine drew nearer to meet David, David ran quickly toward the battle line to meet the Philistine. 49 David put his hand in his bag, took out a stone, slung it, and struck the Philistine on his forehead; the stone sank into his forehead, and he fell face down on the ground. 50 So David prevailed over the Philistine with a sling and a stone, striking down the Philistine and killing him; there was no sword in David's hand. 51 Then David ran and stood over the Philistine; he grasped his sword, drew it out of its sheath, and killed him; then he cut off his head with it. When the Philistines saw that their champion was dead, they fled. 52 The troops of Israel and Judah rose up with a shout and pursued the Philistines as far as Gath and the gates of Ekron, so that the wounded Philistines fell on the way from Shaaraim as far as Gath and Ekron. 53 The Israelites came back from chasing the Philistines, and they plundered their camp. 54 David took the head of the Philistine and brought it to Jerusalem; but he put his armor in his tent. 55 When Saul saw David go out against the Philistine, he said to Abner, the commander of the army, “Abner, whose son is this young man?” Abner said, “As your soul lives, O king, I do not know.” 56 The king said, “Inquire whose son the stripling is.” 57 On David's return from killing the Philistine, Abner took him and brought him before Saul, with the head of the Philistine in his hand. 58 Saul said to him, “Whose son are you, young man?” And David answered, “I am the son of your servant Jesse the Bethlehemite.” ​ Reflection Today's reading is a story of an unexpected event. It seems clear that Goliath did not expect David to be victorious in their battle. Saul also may have had his doubts about David's victory, and it seems that even David's family didn't expect him to fight Goliath, let alone win. In a similar way, the gospel writers' accounts of the life of Jesus indicate that his own family, his disciples, and most of the religious leaders had difficulty picturing him as the victorious king of the universe. Jesus didn't match their expectations. Several years ago I was visiting the Church of the Virgin Mary the Victorious in Prague and there, featured prominently in the church, was a statue of the baby Jesus crowned and clothed in royal robes. It was a depiction of Jesus' kingly reign even from the time of his birth. As the Advent hymn puts it: “born a child and yet a king.”  Who would have expected the Savior and King to come as a baby? Expectation of Christ's return is an integral part of Advent, but let's not set our expectation on some date far in the future, rather let's prepare ourselves now and pray that God might hasten the day of Christ's return…even today! Our King and Savior is drawing near! O come, let us adore him!

The Main Difference Between Abraham and The Stream of DavidListener Deborah sends in a question that really gets the conversationgoing today. She writes:I am very much enjoying all of the podcasts, but I’m also findingconfusing the different approaches to LOA.I find that I very much follow all that Louis says, maybe because he’smore of a classic “Abrahamster”. I love his stories, such as the Jaguarpurchasing story.I know I should go with what resonates, but I’m also really interestedin what the other presenters have to say, and I feel there’s a lot toget out of all of them. You’ve created a great line up!So to get down to a few specifics, there seems to me to be an inherentdiscrepancy between what David was saying about transgressorenergy/demons & what Abraham says about not focusing on the negative,that in fact you don’t have to go back and work through anything as it’sa bottomless pit. Indeed they refuse to even let the “hot seaters” telltheir negative stories or argue for their restrictions, as Abraham wouldsay.Am I maybe misunderstanding something here, or are they simply two verydifferent approaches?After David elaborates on the similarities and differences betweenAbraham and The Stream, he brings The Stream into the conversation.Walt asks the following questions on behalf of listeners.Sarah asks:Even though time doesn’t really exist, I’m curious: is the shift ofvibrational flow from a relatively high vibe to a relatively low vibeand then up again something we go through in a matter of minutes, hours,days or weeks?And Jim asks two questions:On David’s podcast from October 4th 2018 you said that you have beenphysical but are no longer physical. That you are “too powerful forthat”. Can you please explain why you are too powerful to be physical?And can you tell us in linear time, the when the last time you werephysical?And from a silly vibration: What is your reply when someone says, “Ifyou want to hear God laugh, tell him your plans”? Do you laugh? CanDavid make the sound of your laugh so we can all know what that sounds like?Use the LOA Today app to send in your own questions for The Stream toanswer on an upcoming episode. Download it at:https://www.loatoday.net/download.

A new MP3 sermon from Sovereign Grace Family Church is now available on SermonAudio with the following details: Title: On David and Goliath Speaker: Mike Collier Broadcaster: Sovereign Grace Family Church Event: Sunday Service Date: 7/5/2020 Bible: 1 Samuel 17 Length: 42 min.

On David's 50th birthday, we introduce Charlie to the podcast, talk about more about the track 'n' trace app and cover a fan's question.

On David’s 60th birthday, his journal entry included 7 things he will do in the next 20 years based upon lessons learned in the previous 20. In this episode David and Donna talk about reflections on joyfully living, leading, and loving.  Turning 60 this week caused me to look back and to look forward. 20 […] The post 149 – Reflections on Living, Leading, and Loving at 60 appeared first on Calibrate360.

On David’s 60th birthday, his journal entry included 7 things he will do in the next 20 years based upon lessons learned in the previous 20. In this episode David and Donna talk about reflections on joyfully living, leading, and loving.  Turning 60 this week caused me to look back and to look forward. 20 […] The post 149 – Reflections on Living, Leading, and Loving at 60 appeared first on Calibrate360.

This week Jeremy sits down with David Ginsburg of the Tales From The Fandom podcast! This conversation is long overdue. David has been a long time supporter and friend of Jeremy, this podcast, and the PWLT Facebook group. On David's show, each week, he talks to a different member of a fandom. It might be Harry Potter, Star Wars, Lord of the Rings, or a lesser known fandom. His guests may be collectors, cosplayers, and/or subject matter experts. It is a great way to find out more about your own fandom, or find a new interest!

New Shows starting April 1, 2019, with new program platform. Morning Show w/ Ms.B - "So Now What"? What do you do after experiencing a traumatic life event? How do you move On? David was a warrior but he had bad judgement at times. How did he move on? Morning Show w/ Ms.B provides inspiration and motivation as premium fuel for your high-performance life through interesting guests, news, reviews, and resource literature to energize you spiritually while enhancing your positive lifestyle choices. .Purpose: The Morning Show's host, Ms. B has a sincere desire to offer encouragement to all individuals regardless of their spiritual or religious affiliations.Ms.B 's hope is to increase interest in making positive lifestyle choices while promoting good character traits and encouraging spiritual growth and overall human development. ★★★COPYRIGHT DISCLAIMER★★★ We do NOT own the rights to these published songs NOT produced by Storm Talk 365 Radio/ Storm Radio 24/7.. All rights belong to its original owner/owners. For entertainment purposes only. No copyright infringement intended. For promotional purposes only Tags: positivelyms.b ms.b stormtalk365radio inspiration spirituality religion scripture biblestudy souls life death biblestudy nondenominational talkshow motivation lifecoach publicspeaker morninginspiration devotionals prayer

It’s clear that our market has shifted a bit lately, but this is something we predicted. Here’s how to navigate our market on both the buying and selling side.Today I’m joined by David Bell with Gershman Mortgage to talk a little bit about the market in terms of housing inventory and financing.In regard to housing, the market has definitely slowed down quite a bit since spring. On David’s end, he’s seeing the market change along with the interest rates. The Federal Reserve has hinted toward an increase in interest rates, and that hint itself could cause rates to go up right from the get-go.We’re seeing some of these changes on the housing market as well. We’ve been predicting these changes for about the last 12 to 18 months, and July of this year was the first month where we saw these numbers shift. Our inventory levels are up and our sales are coming down, so it’s clear that the market is indeed changing.As far as financing in the market goes, the biggest change that David has seen so far has been some of the modifications to the USDA program. Though the USDA’s upfront fee has been 2.75% up to this point, they’re planning on reducing it to 1%. In addition, their monthly guarantee fee is set to decrease from .5% to .35%, which will reduce monthly payments for homeowners. These changes will make things much easier for homeowners, especially those looking to buy homes in small, rural communities with populations below 20,000.“Be Johnny-on-the-spot with the loan officers. ”What should you do if you’re thinking of selling your home? One warning I’ll give you is that you will have increased competition on the market. For this reason, we’ll want to make sure that the home shows well and that it’s priced right initially. For those that are considering moving within the next one to two years, the forecast that we’re seeing is that home values are going to decrease. This is why if you’re considering selling, it’s important to get your home listed as soon as possible.On the buyer side, David advises having all documents ready to hand in to your loan provider in order to streamline the process. Loan officers will generally ask for things like W-2s, paystubs, and tax returns up front to process your initial file, but once your loan goes into underwriting, you’ll be asked for additional documentation. Be ready for all of this because the sooner you get all of these things in, the sooner you’ll be cleared, and the sooner you can close on the home.If you have any other questions about the mortgage process, give David a call at 515-330-2930 and as always, please give me a call or send me an email with any questions about anything real estate-related. I’d be happy to help you!