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5 episodes with policy design
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3 episodes with policy design
2 episodes with policy design
2 episodes with policy design
2 episodes with policy design
2 episodes with policy design
Infinite Banking has grown fast. Really fast. And with that growth has come a flood of practitioners, coaches, agents, and advisors all claiming they can help families become their own banker. Some of them are exceptional, some are undertrained, and some are simply using the Infinite Banking label to sell products they were already selling, with a new coat of paint. From the outside, it's genuinely difficult to tell the difference. Their Marketing is polished, and their credentials sound similar. And yet the person you choose to guide you through this process will shape a financial strategy that isn't meant to last a few years. It's meant to last generations. A policy designed today may still be growing in your children's lifetime. That deserves care. https://youtu.be/0jcJDFXixhY What follows is a set of questions every Infinite Banking practitioner should be able to answer before you trust them to design your system. These aren't adversarial questions. A well-trained, experienced practitioner should answer every one of them with enthusiasm, because they demonstrate exactly the kind of long-range, client-centered thinking that separates someone guiding a philosophy from someone selling a product. Table of ContentsKey TakeawaysAre You Practicing Infinite Banking Yourself?Are You an Authorized Nelson Nash Institute Practitioner?Are They Asking the Right Questions About You?Can They Explain the Policy Design and Why?Mutual participating companyDirect vs. non-direct recognitionBase premium vs. PUA ratioThe first five years, honestlyWhich Companies Do They Work With and Why?Can They See Your Whole Financial Life?What Happens After the Policy Is Issued?The Questions to Bring to Your First ConversationThe Right Practitioner Will Welcome Every One of TheseBook a Strategy CallFrequently Asked QuestionsWhat is an authorized Infinite Banking practitioner?How do I know if an Infinite Banking advisor is qualified?What questions should I ask before buying a whole life insurance policy for IBC?Why does it matter if my advisor practices Infinite Banking themselves?What should I expect from an Infinite Banking advisor after my policy is issued?Is Infinite Banking the same regardless of which advisor I use? Key Takeaways Whether a practitioner is actively practicing Infinite Banking themselves is the single most revealing question you can ask. Authorized Nelson Nash Institute practitioners have completed formal training in the philosophy as originally taught; using the IBC label without authorization is worth questioning. Behavior matters more than policy design. A good practitioner asks as many questions about your financial life as you ask them. Policy design fluency, company selection knowledge, and honest discussion of the first five years are all marks of a practitioner who knows what they're doing. Infinite Banking is one piece of a full financial picture. A practitioner who only sees the insurance piece is missing the rest. The relationship doesn't end when the policy is issued. It's just beginning. Are You Practicing Infinite Banking Yourself? This is the most important question on the list. Not "do you have a whole life policy." Most insurance agents do. The question is whether they actively practice Infinite Banking in their own financial lives. There's a meaningful difference between the two. An agent who holds a whole life policy primarily for death benefit coverage is still thinking in product terms. A practitioner who is intentionally capitalizing policies, taking policy loans to fund investments or opportunities, repaying those loans, and systematically growing a network of policies over time is living the philosophy. You can follow what someone's life demonstrates. Believing what they say is a different thing entirely. Bruce has been capitalizing since his father opened a policy on him as an infant. That's not a credential. It's evidence of a practitioner who thinks about capital the way the Infinite Banking Concept requires. When I talk about our family banking system, I'm not speaking in theory. I'm reporting what's actually happening in our financial life. A practitioner who truly owns this will go further than confirming they have a policy. They'll be able to tell you which policy loan they most recently funded, how many policies they are running, and how they think about repayment. The follow-up question to ask: How are you using your cash value right now? What did you most recently capitalize? If those questions produce vague answers, that tells you something. Are You an Authorized Nelson Nash Institute Practitioner? Nelson Nash developed the Infinite Banking Concept and wrote Becoming Your Own Banker. The Nelson Nash Institute trains and authorizes practitioners in the philosophy as he originally taught it. Authorization means completing the Institute's training program. It's not a license in the regulatory sense, but it sets a minimum floor of both knowledge and philosophical alignment. The IBC term carries a copyright. And yet many agents use "Infinite Banking Concept" or "IBC" in their marketing without the Institute's authorization. That raises a fair question: why wouldn't they simply get authorized? Nelson said that the only limit to Infinite Banking is imagination, but he also gave guidelines. The flexibility he intended has led some practitioners to strip away those guidelines entirely and declare that any whole life policy you can borrow against constitutes IBC. Bruce calls this oversimplification. It produces policies that look like Infinite Banking on the surface but don't function like it in practice. The design is there; the philosophy isn't. Authorization is a meaningful bar. It's not the only bar, and there are levels of competency even among authorized practitioners. But a practitioner who markets themselves using intellectual property they've chosen not to be authorized in is worth questioning before you go further. Are They Asking the Right Questions About You? Nelson Nash said it himself: behavior is more important than policy design. A practitioner who truly understands this will spend as much time asking about your financial life as you spend asking about theirs. If the first question you're asked is "how much do you want to put in each year," and then they produce an illustration based on that number, that's not due diligence. That's taking an order. Think about what you'd expect from a commercial bank. If you walked in asking for a $50,000 loan and the banker just transferred the money without asking about your income, your assets, or your ability to repay, you'd be alarmed. And yet that's what some practitioners do for people who are trying to become their own banker. The institution they're helping you replace operates with far more rigor than they're applying to the process. Or consider what you'd expect from a physician. A doctor who hands you a prescription the moment you name a medication, without examining you or understanding your history, isn't practicing medicine. They're taking orders. A practitioner who quotes you an illustration before understanding your full financial picture is doing the same thing. A practitioner asking the right questions will want to understand your income and how it flows, where your money currently sits, your existing insurance and protection picture, any anticipated income changes or windfalls, your tax situation, and your estate and legacy goals. And that's not a one-time conversation. A good practitioner commits to reviewing all of it at a minimum once a year, because life changes, and the policy needs to change with it. Can They Explain the Policy Design and Why? This section covers the technical fluency a practitioner should demonstrate. You don't need to become a policy design expert. But you should know what depth of answer to expect. Mutual participating company This is the non-negotiable starting point. Universal life policies, including indexed universal life, carry no guarantees. Whole life from a mutual, participating company is the foundation. Participating means you share in the profits through a dividend. A practitioner who is unclear on why that matters, or who offers IUL as an alternative vehicle for Infinite Banking, is not operating from Nelson's philosophy. Direct vs. non-direct recognition Non-direct recognition companies credit the same dividend regardless of outstanding loans. Direct recognition companies reduce the dividend on the loaned portion. For active Infinite Banking practitioners who borrow regularly, this distinction is important, especially when a loan carries over from one year to the next and compounds against a smaller dividend. Non-direct recognition is our preference, and it's one of the clearer signs that a practitioner is thinking about how the policy will actually function in use. Base premium vs. PUA ratio Paid-up additions, or PUAs, allow you to pour additional capital into the policy and build cash value faster in the early years. A lower base with heavy PUAs can look attractive on a short illustration. But a higher base creates a larger permanent death benefit and a higher dividend over decades. You can read more about how whole life dividends work and what affects them. That dividend compounds into more cash value over a lifetime. The deeper principle: a practitioner who designs defensively, minimizing the base "in case you can't pay," is building behavioral uncertainty into the structure from day one. A practitioner who helps you think about how much you can capitalize, rather than the least you need to commit, is operating from the philosophy. Over 40 years of consistent funding, the lower base policy can outperform. But the moment funding falters, and it will because life is not a spreadsheet,...
What does optimal Infinite Banking policy design actually look like?Round Table #20 In this roundtable discussion, Authorized Infinite Banking Concept Practitioners explore the principles, tradeoffs, and design considerations behind properly structured whole life insurance policies used to implement the Infinite Banking Concept (IBC) as taught by R. Nelson Nash in his classic book, Becoming Your Own Banker.Whether you're new to Infinite Banking or already building your own personal banking system, this conversation will help you better understand the thinking behind effective policy design and why structure matters when creating long-term financial independence and autonomy.In this discussion, we cover:✔️ The principles of sound Infinite Banking policy design✔️ Common misconceptions about whole life insurance and IBC✔️ Premium allocation and policy efficiency considerations✔️ Liquidity, cash value growth, and long-term performance✔️ Balancing present-day access with future opportunities✔️ How policy design affects your ability to become your own banker✔️ Building multi-generational wealth and leaving a lasting legacyAs an Authorized Infinite Banking Concept Practitioner and licensed insurance agent, I help individuals, families, and business owners across the United States implement the Infinite Banking Concept to create greater control over their finances, eliminate dependence on traditional lenders, and build a legacy that can benefit future generations.The Infinite Banking Concept is not a product. It is a process of thinking differently about money, capital, financing, and stewardship. This channel is dedicated to helping people understand and apply the principles taught by R. Nelson Nash so they can live more intentionally and leave a lasting legacy.If you're interested in Infinite Banking, whole life insurance, cash value life insurance, family banking, wealth building, financial independence, or legacy planning, be sure to subscribe and join the conversation.
Learn how you can turn your life insurance policy into a super Roth for retirement. Tom Love is a CEO and financial wealth expert with over 40 years of experience. He walks through the multiplicity of benefits life insurance can unlock not just for the top 1% but for business owners, entrepreneurs, W2, and retirees. We cover the tax advantages, risk mitigation, non-recourse loan benefits, as well as debunking some of the most common talking points against life insurance.Watch the Interview on Youtube for Visuals - https://youtu.be/NABjYZ3BggoConnect with Tom Love: https://www.linkedin.com/in/tom-love/The Breakaway League: https://www.linkedin.com/company/thebreakawayleague/Want to See If Whole Life Insurance Can Improve Your Financial Plan? Schedule Your Clarity Call Here: https://bttr.ly/bw-yt-aa-clarityWant Us To Review Your Permanent Life Insurance Policy? Click Here: https://bttr.ly/yt-policy-reviewWant Free Whole Life Insurance Resources & Education? Go Here: https://bttr.ly/yt-bw-vaultLearn More About BetterWealth: https://betterwealth.comChapters:00:00 - Interview Teaser and Introduction to "Super Roths" and Life Insurance 01:54 - Communicating the "Why" and Selective Clientele 02:35 - Wealth Strategies Within the Tax Code 04:18 - Tax-Free Income vs. Tax-Exempt Cash Flow 06:05 - Hidden Debt of Retirement Accounts 09:55 - Mechanics of Non-Recourse Loans 11:40 - The 1990 GAO Report and Tax Exemption 15:52 - Breakaway League and Better Communication 21:11 - Problem with Collateralizing Retirement Plans 25:23 - Case Study: A Billionaire's Insurance Strategy 28:55 - Real-World IRS Audit Story 30:53 - Permanence of the Tax Code and Section 7702 33:13 - The Mount Everest Analogy for Financial Planning 38:43 - Practicality: Taking Loans in Real Life 41:40 - Whole Life vs. IUL and Mutual Companies 44:46 - Warren Buffett and the Life Settlement Market 47:35 - The Conflict of the Fiduciary Registration 50:39 - Debating PUA Riders and Policy Design 54:44 - The Cons and Risks of Life Insurance 57:22 - Collateral Capacity in Real EstateDISCLAIMER: https://bttr.ly/aapolicy*This video is for entertainment purposes only and is not financial or legal advice. Financial Advice Disclaimer: All content on this channel is for education, discussion, and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of the information on this channel. Neither host nor guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.
Most people buying whole life insurance leave 40-60% of potential cash value on the table. Here's why.
Looking to deep dive into the World of Infinite Banking? Start at https://www.thewealthwarehousepodcast.com/Follow us on: LinkedIn -https://www.linkedin.com/in/paul-fugere-762021b0/ https://www.linkedin.com/in/david-a-befort-jr/Instagram - https://www.instagram.com/thewealthwarehousepodcast/Would you rather have 100% control of your money with lower returns, or higher returns with 0% control?Let's debate in the comments! Subscribe,share with a friend, and until next time — control your capital, or somebody else will.DISCLAIMER: Licensed Authorized Infinite Banking Practitioners. Educational purposes only. Schedule consultation for personalized advice.
If You're Chasing Early Cash Value, Read This First Bruce and I were recording across three time zones, and that detail matters more than you might think because it mirrors what most families are trying to do with their money - coordinate a life that spans seasons, responsibilities, and decades, while the financial world keeps shouting “faster” like everything that matters can be microwaved. https://www.youtube.com/live/eDo8JKDV1zI That's why this episode landed with such urgency. Bruce had just attended the Nelson Nash Institute Think Tank and listened to John (our guest) unpack something we've been watching for years: people discovering the Infinite Banking Concept and immediately asking the wrong first question, which is usually some version of, “How fast can I get cash value?” I understand why that question shows up, especially if you're a high-capacity person who moves quickly, solves problems, and expects systems to perform, but I also need to tell you the truth as clearly as I can. If You're Chasing Early Cash Value, Read This FirstShort-term thinking plus Infinite Banking are incongruent. They cannot work together.What Proper Policy Design Protects You FromInfinite Banking Policy Design for Long-Term Results starts with long-range thinkingInfinite Banking Strategy: Control Over Rate of ReturnHow to design a whole life policy for Infinite Banking without chasing early cash valuePaid-up additions (PUA) rider explained in a long-range frameworkTerm riders in Infinite Banking: what you must know about long-range riskAvoid MEC risk in Infinite Banking policy designWhy premium duration matters more than early cash valueThe Big Takeaway: Premium Duration Beats Early Cash ValueListen to the Full Episode: Build This the Right WayBook A Strategy Call Short-term thinking plus Infinite Banking are incongruent. They cannot work together. If you overlay a quick-fix mindset onto a long-range asset like properly designed whole life insurance for Infinite Banking, you may feel like you're winning in year one while silently planting problems that show up in year seven, year twelve, or year twenty, right when you need your system to be the most dependable. This is not about fear. This is about building a process that can carry your family for generations. What Proper Policy Design Protects You From In this blog, Bruce and I are going to translate the core ideas from our conversation into a clear, practical guide you can actually use, because Infinite Banking policy design is one of those topics where the internet can confuse you fast, and confusion always creates hesitation, and hesitation is how families drift. By the end of this, you'll understand: Why the Infinite Banking strategy is built on control over rate of return, and why that ordering matters if you want to minimize regret later. The real tradeoffs behind “max funded” whole life policies, especially when the focus becomes maximizing cash value whole life insurance in the early years at the expense of long-range flexibility. How a paid-up additions (PUA) rider explained clearly can help you understand what's actually happening inside the policy, and why the PUA conversation is often oversimplified online. What a term rider on whole life insurance can do to policy performance and long-term options, including what happens when term riders drop off. How modified endowment contract (MEC) risk can appear through design choices and policy behavior, and how to avoid a MEC in Infinite Banking policy design. Why premium duration matters more than early cash value, especially if you want a policy you can keep funding as your income and capacity expand. This is not theory, and it's not marketing fluff. This is how you build a family banking system that stays strong when life gets real. Infinite Banking Policy Design for Long-Term Results starts with long-range thinking If you're new to Infinite Banking, I want you to take a deep breath and hear this with the right lens: the purpose of this conversation is not to make you distrust the concept, but to help you avoid the traps that happen when people treat Infinite Banking like a short-term investment instead of a long-term capitalization strategy. Bruce opened the episode with a blunt observation that I agree with: some people are turning Infinite Banking into a sales script, and the problem is that it can sell well upfront and even “work” for a few years, but then the long-range consequences appear at the exact moment you're counting on the policy to deliver more flexibility, not less. In the episode, Bruce described scenarios we've witnessed in real client reviews, where policies are designed for short-term optics and later run into constraints that can't be ignored. Sometimes the policy becomes “stuck” because the design doesn't allow meaningful ongoing funding. Other times, the policy can run into serious tax consequences because the underlying structure and behavior collide with IRS rules, especially if someone is heavily borrowing and a rider structure changes or falls off. If that sounds technical, here's the simple heart of it: When you design your policy for quick early wins, you often sacrifice long-term control. And Infinite Banking, at its core, is about control. Control over capital. Control over access. Control over timing. Control over your family's trajectory. Infinite Banking Strategy: Control Over Rate of Return John's background gave this conversation a powerful angle because he spent decades in Silicon Valley tech and data center real estate finance, and he watched how institutional investors - the people with real money and real accountability - make decisions. His key point was simple and disruptive to the consumer mindset: institutional investors prioritize control and risk first, and they treat rate of return as a close third. That matters because most families have been trained to believe that a higher return is the primary “win,” so they chase exposure, speculation, and upside, and then they wonder why the ride feels unstable, why sleep disappears, and why the plan keeps changing every time the market or headlines change. If you want a different outcome, you need a different order of operations. Control first. Risk management second. Return as a result of good process. That is why whole life insurance designed for Infinite Banking is not meant to be your “highest return” asset. It's meant to be a cash-equivalent foundation that stays liquid, predictable, and usable, so you can deploy capital into other assets and opportunities without losing the base. This is the part most people miss: you don't build wealth by finding one perfect asset that does everything. You build wealth by designing a system where each asset has a job, and the jobs complement each other. A properly designed whole life policy is a place to store capital, grow it steadily, and keep access to it through policy loans. The “return” happens when you use that access to create velocity in your personal economy, not when you obsess over the internal rate of return inside the policy itself. How to design a whole life policy for Infinite Banking without chasing early cash value Here's the tension John described that shows up constantly in the online conversation: people assume that high early cash value automatically means high long-term value, because that's how a normal account works, where more money earlier compounds longer. But whole life is not a normal account. John said something that is worth repeating: whole life insurance is a math equation, an actuarial calculation with tradeoffs, and there are no deals in the insurance business. When you optimize one area aggressively, you create a cost somewhere else, because cost and risk are always being balanced. So when someone tells you a “10/90,” “max funded,” or “overfunded” design is automatically “best,” what you should hear is: “This design is optimized for early cash value.” That might be useful in some cases, but it is not automatically best, and in many cases it can be limiting. John highlighted three common ways people chase high early cash value: Short-pay designs (like a 5-7 pay) where premiums stop after a short period. Short-duration PUA riders that allow heavy paid-up additions early but then drop to a much smaller base premium later. Long-duration term riders that allow larger early funding but introduce drag and risk later as the term coverage becomes costly or changes. All three approaches can create an early “pop” in cash value, but they can also create a long-range problem: you may not be able to keep funding the policy meaningfully right when the policy becomes most efficient at converting premium into cash value. This is where Bruce and I want you to slow down and catch the principle: Whole life policies get better every year. Somewhere around year 4-6, the policy often reaches the point where each premium dollar can create more than a dollar of new cash value, and that's when the system starts to feel like an asset that's firing on all cylinders. If your design stops you from funding heavily at that stage, you've built a system that peaks early and then plateaus, which is the opposite of what a family banking system should do. Paid-up additions (PUA) rider explained in a long-range framework PUA is not “bad,” and base premium is not “bad.” The problem is not the existence of PUA. The problem is when PUA becomes the goal instead of the tool. John made a point that surprises people: in many policies, base premium can perform just as well or sometimes slightly better in later years than PUA-heavy funding, because the policy's long-run mechanics are built around the actuarial structure, not the internet buzzwords.
Evie Dallmann chats with College of Design PhD student, Erin White, about his research and practice in integrated food systems and policy design in North Carolina. He emphasizes the importance of working at a regional level across multiple counties in North Carolina to connect urban and rural food production and consumption ★ Support this podcast ★
India's grasslands and savannas are among the most overlooked and misrepresented ecosystems in the country. Frequently labelled as “wastelands,” these open natural ecosystems have been systematically excluded from biodiversity policy, targeted for tree plantations, infrastructure, and renewable energy projects, and widely misunderstood in both public and scientific discourse. Yet grassland ecosystems support exceptional grassland biodiversity, sustain millions of pastoral livelihoods, and play a critical role in Indian biodiversity and long-term biodiversity conservation.In this episode of The Think Wildlife Podcast, Anish Banerjee speaks with Dr. Abi T. Vanak, conservation scientist and Director of the Centre for Policy Design at the Ashoka Trust for Research in Ecology and the Environment (ATREE). Dr. Vanak's work focuses on grassland ecology, grassland biodiversity conservation, ecological restoration, and the science–policy interface shaping land-use decisions across India.The conversation examines what grasslands and other open natural ecosystems truly are, and how grassland ecology differs fundamentally from forest systems. Dr. Vanak explains how colonial-era land classifications and post-independence governance frameworks led to grasslands being misidentified as degraded forests or wastelands, a misconception that continues to influence grassland conservation, compensatory afforestation, and land-use planning today.We discuss how this misclassification has had severe consequences for grassland biodiversity, particularly for species such as the Indian wolf, blackbuck, Great Indian Bustard, and lesser florican. Despite receiving high levels of legal protection, these species continue to decline because their grassland habitats fall largely outside protected areas and mainstream biodiversity conservation frameworks.The episode also explores the ecological and economic importance of pastoralism, the contribution of extensive livestock systems to Indian biodiversity, and the deep connections between pastoral livelihoods, grassland biodiversity conservation, and resilient landscapes. Dr. Vanak shares insights from grassland restoration projects across India, demonstrating how science-based grassland restoration can improve soil carbon, water availability, and biodiversity outcomes, often more effectively than tree-based approaches.We also examine the expansion of renewable energy infrastructure, particularly solar and wind projects, and how poorly planned siting can fragment grassland ecosystems and undermine biodiversity conservation goals. The discussion extends to mesocarnivore ecology, the impacts of free-ranging dogs on wildlife, disease and hybridization risks for Indian wolves, and the broader challenge of conserving biodiversity in human-dominated landscapes.Throughout the episode, Dr. Vanak argues for a shift away from forest-centric conservation towards landscape-level, community-led approaches that recognize grasslands as vital ecosystems. This conversation highlights why grassland conservation, grassland restoration, and evidence-based biodiversity policy are essential for safeguarding Indian biodiversity in the coming decades.#grassland #grasslandconservation #grasslandbiodiversity #grasslandbiodiversityconservation #grasslandrestoration #biodiversityconservation #biodiversity #biodiversitypolicy #grasslandecology #indianbiodiversity Get full access to The Think Wildlife Podcast at anishbanerjee.substack.com/subscribe
Half your milk comes from animals grazing on land the government calls wasteland. The mutton in your biryani? Same story. We're talking ₹1.3 lakh crore annually 5% of India's GDP built on ecosystems we've systematically mislabeled as worthless since the British needed a tax category for "land we can't monetize. Now we're converting these "wastelands" into solar farms at scale without asking the millions of pastoralists who depend on them, or calculating the carbon stored beneath them, or wondering what happens when milk and meat prices spike because we've paved over the free grazing grounds that keep them affordable. The twist? These aren't degraded lands waiting for rehabilitation. They're ancient grasslands and savannas that have existed for millennia, doing exactly what they're supposed to do. We just never bothered to look closely enough to notice. Until now, when it might be too late. Host Anirban Chowdhury asks Dr Abi Vanak, Director, Centre for Policy Design at the Ashoka Trust for Research in Ecology and the Environment (ATREE-CPD), to explain. Listen in:You can follow Anirban Chowdhury on his social media: X and Linkedin Check out other interesting episodes from the host like Battle Beyond Borders, Peace Perished: Explaining the Pahalgam Terror Attack, Corner Office Conversation with Sridhar Vembu, CEO, of Zoho Corporation, Rebel Foods’ chief on Building Brands, Tech, and an IPO on the Horizon and much more. Catch the latest episode of ‘The Morning Brief’ on The Economic Times Online, Spotify, Apple Podcasts, JioSaavn, Amazon Music and Youtube.See omnystudio.com/listener for privacy information.
Standard economic theory informs how we think about business strategy and the economy and presumes that people are selfish, have well-defined preferences, and consistently make welfare-maximizing choices. In other words, we are rational. But what if that is not the case?Nobel Prize-winning economist Richard Thaler is out with an updated edition of his bestselling 1991 book, "The Winner's Curse: Paradoxes and Anomalies of Economic Life." In the new edition, he and his co-author Alex Imas (both professors at the University of Chicago Booth School of Business) reflect on the last thirty years of behavioral economics and how it makes sense of tensions between our psychological biases and impulses that make us less than fully rational in practice. Using a wealth of empirical evidence, the authors explore the behavioral anomalies that contradict the expectations of standard economic theory and explain a wide range of real-world examples from banking crises to social media addiction.Earlier this month, Thaler joined Bethany and Luigi for a sold-out Capitalisn't recording in front of a live audience in Chicago to walk through the anomalies of human behavior that have endured from biblical times to the age of Big Tech. Thaler reflects on how views and the adoption of behavioral economics have changed over the last thirty years, both within academia and beyond (wonder why you can't put down your phone? Silicon Valley has read Thaler). He also shares how behavioral economics can influence public policy from canceling “junk fees” and dubious subscriptions to deciding which parts of the Affordable Care Act to keep and which are unlikely to produce their desired outcomes. Over conversation, light banter, and audience Q&A, Thaler shares his views on the state of capitalism and reveals how there is no grand unified theory of human behavior that incorporates all its irrationalities—only departures from the standard model. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
On this edition of EdChoice Chats, host Mike McShane talks with Katherine Bathgate, the CEO and founder of SchoolForward, about her new paper Rethinking ESA Policy Design: A new approach to financial accountability. They talk about the ideas in the paper, ESA policy, the risk of misuse and fraud in ESA programs, and so much more.
Every team is a shadow of the man at the top: leadership shapes every aspect of the workplace, from social connection to productivity. So, this week on Doing Well: The Wellbeing Science Insights Podcast, host Lu Ngo interviews psychologist Dr. Louise Lambert for practical insights and advice on fostering workplace well-being as a leader. With experience in counseling, mental health, education, and primary healthcare, Dr. Louise Lambert is not only a registered psychologist, but also an organizational consultant, researcher, and formerly a professor. More specifically, Dr. Louise Lambert's expertise is rooted in positive psychology and the empirical strategies used to attain greater subjective well-being. Currently, Dr. Louise Lambert is the head of Happiness Programming & Policy Design with HappinessMatters.org, as well as the editor of Middle East Journal of Positive Psychology. In this episode, Dr. Louise Lambert delves into the psychology behind why leaders play such a crucial role in shaping the well-being of employees in the workplace. Additionally, she sheds light on the qualities and behaviors that make a leader effective in promoting well-being among their team. Together, Lu and Dr. Louise Lambert exchange useful practices and habits for leading and managing a team. So, whether you're a leader seeking to make a difference or a team member campaigning for positive change, tune in to this episode for research- and experience-based insights and actionable advice for building a workplace where everyone can thrive! Visit Dr. Louise Lambert's work: https://www.happinessmatters.org/ Connect with Dr. Louise Lambert via LinkedIn: https://www.linkedin.com/in/dr-louise-lambert-89434927/ Produced by the Wellbeing Science Labs, a division of LMSL, the Life Management Science Labs. Explore LMSL at https://lifemanagementsciencelabs.com/ and visit http://we.lmsl.net/ for additional information about Wellbeing Science Labs. Follow us on social media to stay updated: YouTube: https://www.youtube.com/@wellbeingsciencelabs Facebook: https://www.facebook.com/wellbeing.science.labs/ Instagram: https://www.instagram.com/wellbeing.science.labs/ LinkedIn: http://linkedin.com/showcase/wellbeing-science-labs Twitter: https://twitter.com/WeScienceLabs TikTok: https://www.tiktok.com/@wellbeing.science.labs You can also subscribe and listen to our podcasts on your preferred podcasting platforms: Apple Podcasts: https://podcasts.apple.com/us/podcast/doing-well-the-wellbeing-science-insights-podcast/id1648515329 Spotify: https://open.spotify.com/show/63Gni7VN4Ca6IicSuttwQL Amazon: https://music.amazon.com/podcasts/7cd001d1-b7ba-4b22-a0f3-17c1a9c6e818/doing-well-the-wellbeing-science-insights-podcast iHeart Radio: https://www.iheart.com/podcast/338-doing-well-the-wellbeing-s-102890038/ Podbean: https://wellbeingscienceinsights.podbean.com/ PlayerFM: https://player.fm/series/3402363 Podchaser: https://www.podchaser.com/podcasts/doing-well-the-wellbeing-scien-4914859
In today's Banking With Life Q&A, James answers questions such as, "Does IBC® truly avoid the banking system?", "Does collateralizing cash value shift returns to you?", and "If 401ks work, why aren't their promoters wealthy?" As always, we hope you enjoy and thank you for listening!1. 0:22 - Does IBC® truly avoid the banking system?2. 15:32 - Does collateralizing cash value shift returns to you?3. 18:01 - Aren't loans, not deposits, what expand money and contribute to the business cycle?4. 19:28 - If 401ks work, why aren't their promoters wealthy?5. 21:27 - Are you suggesting low death benefit and high cash for IBC efficiency?Make sure to like and subscribe to join us weekly on the Banking With Life Podcast!━━━Become a client! ➫ www.bankingwithlife.com/how-to-fast-t…ur-own-bankerBuy Nelson Nash's 6.5 hour Seminar on DVD here: ➫ www.bankingwithlife.com/product/the-5…ecorded-live/ (Call us at (817) 790-0405 or email us at myteam@bankingwithlife.com for a DISCOUNT CODE)Register for our free webinar to learn more about Infinite Banking... ➫ www.bankingwithlife.com/getting-started-webinar━━━Implement the Infinite Banking Concept® with the Infinite Banking Starter Kit...The Starter Kit includes Becoming Your Own Banker by R. Nelson Nash and the Banking With Life DVD by James Neathery.It's the perfect primer for everyone interested in becoming their own banker.Buy your starter kit here: ➫ www.bankingwithlife.com/product/becom…pecial-offer/━━━Learn more about James Neathery here: ➫ bankingwithlife.com━━━Listen on your iPhone with Apple Podcasts: ➫ podcasts.apple.com/us/podcast/bank…st/id1451730017Listen on your Android through Stitcher: ➫ www.stitcher.com/podcast/bank...Listen on Soundcloud: ➫ @banking-with-life-podcast━━━Follow us on Facebook: ➳ www.facebook.com/jamescneathery/━━━Disclaimer:All content on this site is for informational purposes only. The content shared is not intended to be a substitute for consultation with the appropriate professional. Opinions expressed herein are solely those of James C. Neathery & Associates, Inc., unless otherwise specifically cited. The data that is presented is believed to be from reliable sources and no representations are made by James C. Neathery & Associates, Inc. as to another party's informational accuracy or completeness. All information or ideas provided should be discussed in detail with your Adviser, Financial Planner, Tax Consultant, Attorney, Investment Adviser or the appropriate professional prior to taking any action.
In this episode of the mnemonic security podcast, Robby is joined by Ricardo Ferreira, CISO EMEA at Fortinet, to explore the power of policy as code and its role in technical resilience. Ferreira explains how organisations can move beyond manual processes to automate security policies, reduce complexity, and enhance agility. They discuss cloud transformation, the challenges of enforcing policy at scale, and why automation and cultural change are essential for security teams. Plus, the growing role of AI and what the future holds for policy-driven security.You can find his book Policy Design in the Age of Digital Adoption, here: https://www.amazon.com/Policy-Design-Digital-Adoption-transformation-ebook/dp/B09WJBQ7L7Send us a text
Danielle Allen and Mark Fagan say that when tested, thoughtfully deployed, and regulated AI actually can help governments serve citizens better. Sure, there is no shortage of horror stories these days about the intersection of AI and government—from a municipal chatbot that told restaurant owners it was OK to serve food that had been gnawed by rodents to artificial intelligence police tools that misidentify suspects through faulty facial recognition. And now the Trump administration and Elon Musk's so-called Department of Government Efficiency or DOGE say they are fast-tracking the use of AI to root out government waste and fraud, while making public virtually no details about what tools they are using or how they'll be deployed. But Allen and Fagan, say that while careless deployment creates risks like opening security holes, exacerbating inefficiencies, and automating flawed decision-making, AI done the right way can help administrators and policymakers make better and smarter decisions, and can make governments more accessible and responsive to the citizens they serve. They also say we need to reorient our thinking from AI being a replacement for human judgement to a partnership model, where each brings its strengths to the table. Danielle Allen is an HKS professor and the founder of the Allen Lab for Democracy Renovation. Mark Fagan is a lecturer in public policy and faculty chair of the Delivering Public Services section of the Executive Education Program at HKS. They join PolicyCast host Ralph Ranalli to explain the guidelines, guardrails, and principles that can help government get AI right. Policy Recommendations:Danielle Allen's Policy Recommendations:* Support the "people's bid" for TikTok and generally promote an alternative, pro-social model for social media platforms.* Establish AI offices in state governments: Create offices that use AI to enhance openness, accountability, and transparency in government.Mark Fagan's Policy Recommendations:* Implement "sandbox" spaces for regulatory experimentation that allow organizations to test different policy ideas in a controlled environment to see what works.* Adopt a risk-based regulatory approach similar to the EU that categorize AI regulations based on risk levels, with clear guidelines on high-risk activities where AI use is prohibited versus those where experimentation is allowed. Danielle Allen is the James Bryant Conant University Professor at Harvard University. She is a professor of political philosophy, ethics, and public policy and director of the Democratic Knowledge Project and of the Allen Lab for Democracy Renovation. She is also a seasoned nonprofit leader, democracy advocate, national voice on AI and tech ethics, and author. A past chair of the Mellon Foundation and Pulitzer Prize Board, and former dean of humanities at the University of Chicago, she is a member of the American Academy of Arts and Sciences and American Philosophical Society. Her many books include the widely acclaimed Talking to Strangers: Anxieties of Citizenship Since Brown v Board of Education; Our Declaration: a reading of the Declaration of Independence in defense of equality; Cuz: The Life and Times of Michael A.; Democracy in the Time of Coronavirus; and Justice by Means of Democracy. She writes a column on constitutional democracy for the Washington Post. Outside the University, she is a co-chair for the Our Common Purpose Commission and Founder and President for Partners in Democracy, where she advocates for democracy reform to create greater voice and access in our democracy, and to drive progress towards a new social contract that serves and includes us all. She holds Ph.Ds from Harvard University in government and from King's College, University of Cambridge, in classics; master's degrees from Harvard University in government and King's College, University of Cambridge in classics; and an AB from Princeton in classics.Mark Fagan is a lecturer in public policy and former senior fellow at the Mossavar-Rahmani Center for Business and Government at Harvard Kennedy School. He teaches Operations Management, Service Delivery via Systems Thinking and Supply Chain Management, and Policy Design and Delivery in the degree program. In executive education, he is the faculty chair for Delivering Public Services: Efficiency, Equity and Quality. In another program, he teaches strategy and cross boundary collaboration. The focus of his research is on the role of regulation in competitive markets. He is presently spearheading an initiative at the Taubman Center for State and Local Government that examines the policy and associated regulatory impacts of autonomous vehicles. He leads efforts to catalyze policy making through Autonomous Vehicle Policy Scrums, cross sector policy design sessions hosted by governments from Boston to Buenos Aries to Toronto. Fagan earned a Masters Degree in City and Regional Planning at Harvard University and a BA at Bucknell University.Ralph Ranalli of the HKS Office of Communications and Public Affairs is the host, producer, and editor of HKS PolicyCast. A former journalist, public television producer, and entrepreneur, he holds an BA in political science from UCLA and a master's in journalism from Columbia University.Scheduling and logistical support for PolicyCast is provided by Lilian Wainaina. Design and graphics support is provided by Laura King and the OCPA Design Team. Web design and social media promotion support is provided by Catherine Santrock and Natalie Montaner of the OCPA Digital Team. Editorial support is provided by Nora Delaney and Robert O'Neill of the OCPA Editorial Team.
On today's episode of Architectette we welcome Shin-pei Tsay.Shin-pei's experience converges on policy, design, and governance to shape inclusive, sustainable, people-centered cities. Throughout her career, she has spearheaded innovative approaches to systemic challenges across numerous urban issues, often with a focus on the public realm and transportation. Shin-pei currently leads the Mayor's Office for New Urban Mechanics in Boston, and was most recently director of global policy for cities and sustainability at Uber. She has also held leadership roles at Gehl Institute, Transit Center, Carnegie Endowment for International Peace and served on the boards of SPUR and Transportation Alternatives. We talk about:- The development of Shin-pei's career in urban policy, planning, and transportation innovation and how her career evolved from working for advocacy groups, think tanks, tech companies, to now- city government.- Shin-pei shares her origin story including her hometown and how it framed her perspective of urban life in terms of community, mobility, and access. - We define the “Mayor's Office of New Urban Mechanics” and Shin-pei explains how her teams are working to redefine Boston's future by testing small scale urban interventions which then inform long-term solutions using examples like the very first 311 program or cooling towers during a recent heat wave.- We talk about urban changes in the past few years, using examples of failures of urban policy as well as successful interventions both in the US and abroad. - We dive into Shin-pei's unique role at Uber and discuss her global impacts on positioning, sustainability, and accessibility. You'll be inspired to get more involved to help shape public policy and urban environments.____Thank you to our sponsors:Arcol is a collaborative building design tool built for modern teams. Arcol streamlines your design process by keeping your model, data and presentations in sync enabling your team to work together seamlessly.- Website:Arcol.io- LinkedIn:https://www.linkedin.com/company/arcol-tech- Twitter/ X:https://x.com/ArcolTechLayer is the workflow platform for buildings, empowering teams to capture field data & photos, connect it to their drawings & models, and create beautiful deliverables & reports.Use Layer to build your own workflow to generate Room Data Sheets from Revit, manage your CA processes such as RFIs or Punch lists, conduct field surveys and much more. The best thing is, it's all connected directly to Revit so you'll never have to copy and paste data between windows again.- Website:https://layer.team/architectette____Links: Department of New Urban Mechanics:https://www.boston.gov/departments/new-urban-mechanicsConnect with Shin-pei:https://www.linkedin.com/in/shin-pei-tsay-48b777/____Connect with Architectette:- Website:www.architectette.com (Learn more)- Instagram:@architectette (See more)- Newsletter:www.architectette.com/newsletter (Behind the Scenes Content)- LinkedIn:The Architectette Podcast Page and/orCaitlin BradySupport Architectette:- Leave us a rating and review!-PatreonMusic byAlexGrohl fromPixabay.
Federal CIO Clare Martorana's tenure is coming to an end in January and she reflects back on her office's efforts to improve federal technology. Learn more about your ad choices. Visit podcastchoices.com/adchoicesSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
Federal CIO Clare Martorana's tenure is coming to an end in January and she reflects back on her office's efforts to improve federal technology. Learn more about your ad choices. Visit podcastchoices.com/adchoices
There has been a lot of commentary from scholars and journalists as to the meaning of Donald Trump's three appointments to the United States Supreme Court – with regards to changes in jurisprudence, increased separation of the Court from political processes that legitimate it. Drs. Kirsten Widner and Anna Gunderson have done something a little different using tools from political science. Their new book, The Haves and Have-Nots in Supreme Court Representation and Participation, 2016 to 2021 (Cambridge UP 2024), examines how the changing composition of the US Supreme Court affects who participates in advocacy before the Court. Who thinks to bring a case to the Supreme Court and has that changed since three new justices were appointed during the presidency of Donald Trump? Their book argues that Neil Gorsuch, Brett Kavanaugh, and Amy Coney Barrett have changed the behavior of both litigants (people bringing cases) and amicus curiae (groups that write briefs in support of either side). Their study demonstrates that the growing conservatism of the Court radically reshaped the incentives of interested parties and, as a result, their participation in litigation activity. These changes in incentives have both normative and substantive importance – decreasing the power of marginalized groups and increasing opportunities for people and groups with conservative interests. Their study shows how the makeup of the Supreme Court affects the issues heard and which voices are heard loudest in the documents. Kirsten Widner is an Assistant Professor of Political Science at the University of Tennessee, Knoxville. She received her JD from the University of San Diego School of Law and her PhD from Emory University. Her research focuses on the political representation of marginalized and unenfranchised groups. Anna Gunderson is an Associate Professor of Public Affairs at the University of Texas, Austin and she received her PhD from Emory University. She studies American politics; the politics of punishment and policing; judicial politics; state politics; and public policy. Mentioned: Anna Gunderson, Kirsten Widner, and Maggie Macdonald, “Pursuing Change or Pursuing Credit? Litigation and Credit Claiming on Social Media,” Journal of Law and Courts 2024. Rebecca Kreitzer and Candis Watts, “Reproducible and replicable: An empirical assessment of the social construction of politically relevant target groups.” Ann Schneider and Helen Ingram, “Social construction of target populations: Implications for politics and policy” and Policy Design for Democracy. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/new-books-network
There has been a lot of commentary from scholars and journalists as to the meaning of Donald Trump's three appointments to the United States Supreme Court – with regards to changes in jurisprudence, increased separation of the Court from political processes that legitimate it. Drs. Kirsten Widner and Anna Gunderson have done something a little different using tools from political science. Their new book, The Haves and Have-Nots in Supreme Court Representation and Participation, 2016 to 2021 (Cambridge UP 2024), examines how the changing composition of the US Supreme Court affects who participates in advocacy before the Court. Who thinks to bring a case to the Supreme Court and has that changed since three new justices were appointed during the presidency of Donald Trump? Their book argues that Neil Gorsuch, Brett Kavanaugh, and Amy Coney Barrett have changed the behavior of both litigants (people bringing cases) and amicus curiae (groups that write briefs in support of either side). Their study demonstrates that the growing conservatism of the Court radically reshaped the incentives of interested parties and, as a result, their participation in litigation activity. These changes in incentives have both normative and substantive importance – decreasing the power of marginalized groups and increasing opportunities for people and groups with conservative interests. Their study shows how the makeup of the Supreme Court affects the issues heard and which voices are heard loudest in the documents. Kirsten Widner is an Assistant Professor of Political Science at the University of Tennessee, Knoxville. She received her JD from the University of San Diego School of Law and her PhD from Emory University. Her research focuses on the political representation of marginalized and unenfranchised groups. Anna Gunderson is an Associate Professor of Public Affairs at the University of Texas, Austin and she received her PhD from Emory University. She studies American politics; the politics of punishment and policing; judicial politics; state politics; and public policy. Mentioned: Anna Gunderson, Kirsten Widner, and Maggie Macdonald, “Pursuing Change or Pursuing Credit? Litigation and Credit Claiming on Social Media,” Journal of Law and Courts 2024. Rebecca Kreitzer and Candis Watts, “Reproducible and replicable: An empirical assessment of the social construction of politically relevant target groups.” Ann Schneider and Helen Ingram, “Social construction of target populations: Implications for politics and policy” and Policy Design for Democracy. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/political-science
There has been a lot of commentary from scholars and journalists as to the meaning of Donald Trump's three appointments to the United States Supreme Court – with regards to changes in jurisprudence, increased separation of the Court from political processes that legitimate it. Drs. Kirsten Widner and Anna Gunderson have done something a little different using tools from political science. Their new book, The Haves and Have-Nots in Supreme Court Representation and Participation, 2016 to 2021 (Cambridge UP 2024), examines how the changing composition of the US Supreme Court affects who participates in advocacy before the Court. Who thinks to bring a case to the Supreme Court and has that changed since three new justices were appointed during the presidency of Donald Trump? Their book argues that Neil Gorsuch, Brett Kavanaugh, and Amy Coney Barrett have changed the behavior of both litigants (people bringing cases) and amicus curiae (groups that write briefs in support of either side). Their study demonstrates that the growing conservatism of the Court radically reshaped the incentives of interested parties and, as a result, their participation in litigation activity. These changes in incentives have both normative and substantive importance – decreasing the power of marginalized groups and increasing opportunities for people and groups with conservative interests. Their study shows how the makeup of the Supreme Court affects the issues heard and which voices are heard loudest in the documents. Kirsten Widner is an Assistant Professor of Political Science at the University of Tennessee, Knoxville. She received her JD from the University of San Diego School of Law and her PhD from Emory University. Her research focuses on the political representation of marginalized and unenfranchised groups. Anna Gunderson is an Associate Professor of Public Affairs at the University of Texas, Austin and she received her PhD from Emory University. She studies American politics; the politics of punishment and policing; judicial politics; state politics; and public policy. Mentioned: Anna Gunderson, Kirsten Widner, and Maggie Macdonald, “Pursuing Change or Pursuing Credit? Litigation and Credit Claiming on Social Media,” Journal of Law and Courts 2024. Rebecca Kreitzer and Candis Watts, “Reproducible and replicable: An empirical assessment of the social construction of politically relevant target groups.” Ann Schneider and Helen Ingram, “Social construction of target populations: Implications for politics and policy” and Policy Design for Democracy. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/law
There has been a lot of commentary from scholars and journalists as to the meaning of Donald Trump's three appointments to the United States Supreme Court – with regards to changes in jurisprudence, increased separation of the Court from political processes that legitimate it. Drs. Kirsten Widner and Anna Gunderson have done something a little different using tools from political science. Their new book, The Haves and Have-Nots in Supreme Court Representation and Participation, 2016 to 2021 (Cambridge UP 2024), examines how the changing composition of the US Supreme Court affects who participates in advocacy before the Court. Who thinks to bring a case to the Supreme Court and has that changed since three new justices were appointed during the presidency of Donald Trump? Their book argues that Neil Gorsuch, Brett Kavanaugh, and Amy Coney Barrett have changed the behavior of both litigants (people bringing cases) and amicus curiae (groups that write briefs in support of either side). Their study demonstrates that the growing conservatism of the Court radically reshaped the incentives of interested parties and, as a result, their participation in litigation activity. These changes in incentives have both normative and substantive importance – decreasing the power of marginalized groups and increasing opportunities for people and groups with conservative interests. Their study shows how the makeup of the Supreme Court affects the issues heard and which voices are heard loudest in the documents. Kirsten Widner is an Assistant Professor of Political Science at the University of Tennessee, Knoxville. She received her JD from the University of San Diego School of Law and her PhD from Emory University. Her research focuses on the political representation of marginalized and unenfranchised groups. Anna Gunderson is an Associate Professor of Public Affairs at the University of Texas, Austin and she received her PhD from Emory University. She studies American politics; the politics of punishment and policing; judicial politics; state politics; and public policy. Mentioned: Anna Gunderson, Kirsten Widner, and Maggie Macdonald, “Pursuing Change or Pursuing Credit? Litigation and Credit Claiming on Social Media,” Journal of Law and Courts 2024. Rebecca Kreitzer and Candis Watts, “Reproducible and replicable: An empirical assessment of the social construction of politically relevant target groups.” Ann Schneider and Helen Ingram, “Social construction of target populations: Implications for politics and policy” and Policy Design for Democracy.
There has been a lot of commentary from scholars and journalists as to the meaning of Donald Trump's three appointments to the United States Supreme Court – with regards to changes in jurisprudence, increased separation of the Court from political processes that legitimate it. Drs. Kirsten Widner and Anna Gunderson have done something a little different using tools from political science. Their new book, The Haves and Have-Nots in Supreme Court Representation and Participation, 2016 to 2021 (Cambridge UP 2024), examines how the changing composition of the US Supreme Court affects who participates in advocacy before the Court. Who thinks to bring a case to the Supreme Court and has that changed since three new justices were appointed during the presidency of Donald Trump? Their book argues that Neil Gorsuch, Brett Kavanaugh, and Amy Coney Barrett have changed the behavior of both litigants (people bringing cases) and amicus curiae (groups that write briefs in support of either side). Their study demonstrates that the growing conservatism of the Court radically reshaped the incentives of interested parties and, as a result, their participation in litigation activity. These changes in incentives have both normative and substantive importance – decreasing the power of marginalized groups and increasing opportunities for people and groups with conservative interests. Their study shows how the makeup of the Supreme Court affects the issues heard and which voices are heard loudest in the documents. Kirsten Widner is an Assistant Professor of Political Science at the University of Tennessee, Knoxville. She received her JD from the University of San Diego School of Law and her PhD from Emory University. Her research focuses on the political representation of marginalized and unenfranchised groups. Anna Gunderson is an Associate Professor of Public Affairs at the University of Texas, Austin and she received her PhD from Emory University. She studies American politics; the politics of punishment and policing; judicial politics; state politics; and public policy. Mentioned: Anna Gunderson, Kirsten Widner, and Maggie Macdonald, “Pursuing Change or Pursuing Credit? Litigation and Credit Claiming on Social Media,” Journal of Law and Courts 2024. Rebecca Kreitzer and Candis Watts, “Reproducible and replicable: An empirical assessment of the social construction of politically relevant target groups.” Ann Schneider and Helen Ingram, “Social construction of target populations: Implications for politics and policy” and Policy Design for Democracy. Learn more about your ad choices. Visit megaphone.fm/adchoices
In this episode of Cities 1.5, David and his guests from countries on opposite sides of the equator, South Africa and Scotland, explore how urban initiatives are transforming local communities through holistic climate action and wellbeing practices. Linear economic systems - previously the global status quo - have been proven time and again to be ineffective at prioritizing wellbeing for all…especially when we compare them with circular models that emphasize restoration. Grassroots projects like Scotland's Love Letham and Johannesburg's Makers Valley, which focus on sustainable development, community engagement, and empowerment naturally emphasize the importance of inclusivity, indigenous values, and collective action in addressing socioeconomic and environmental challenges. Our expert guests in this episode demonstrate how in both the Global South and North, participatory decision-making and community-driven projects can tackle poverty, improve health, and enhance urban resilience by integrating climate and anti-poverty policies.Image Credit: Photo by Jeswin Thomas @Unsplash Featured guests:Thobile Chittenden is Network Co-Lead at the Wellbeing Economy Alliance and the CEO of the Makers Valley Partnership in Johannesburg, South Africa.Hollie Irvine is the Project Lead of Love Letham in Perth, Scotland - one of four Wellbeing Economy pilot city projects from the Wellbeing Economy Alliance (WEAll).LinksLessons in Wellbeing Economics: Engaging local communities to bring Academic Principles into Urban Practice - Episode 12, Season 3, Cities 1.5 Policy Design for a Wellbeing Economy - Lessons from Four City Pilots - The Journal of City Climate Policy & Economy, Volume 2 Issue 2, January 2024Wellbeing Economy AllianceMakers Valley A New Story Unfolds - Poem by Thobile ChittendenLove Letham Project - Perth, ScotlandOfficial child poverty statistics - Child Poverty Action Group (Scotland)New report shows what Letham's children need to thrive - Love Letham websiteIf you want to learn more about the Journal of City Climate Policy and Economy, please visit our website: https://jccpe.utpjournals.press/Cities 1.5 is a podcast by University of Toronto Press and is produced in association with the Journal of City Climate Policy and Economy. Our executive producers are Calli Elipoulos and Peggy Whitfield.Produced by Jess Schmidt: https://jessdoespodcasting.com/Edited by Morgane Chambrin: https://www.morganechambrin.com/Music is by Lorna Gilfedder: https://origamipodcastservices.com/
Mental models can help simplify complex ideas. Hybrid or remote work is more than just policy, strategy or design. It's all of it working in concert. Metaphors like garden design, an ecosystem or an orchestra can help us think about work in different ways. It's helpful to zoom out and use your imagination to understand how roles, departments and divisions intertwine and how does this lead to success? What are the immovable pieces that give strength and stability but also make flexibility harder? What cycles repeat with regularity? Where is the flow? Where is the friction? This podcast episode uses garden design as a mental model to think about hybrid/remote within an organization. What questions do you have after you listen?
Your policy design affects how fast your cash grows and the degree of early capital accessibility. In the first of a recurring ‘Under the Hood' series, Hans and Brian dive into the often misunderstood concept of Policy Design—the structure and components that make up your whole life insurance policy. While many people view insurance premiums as just an expense, it is more accurate to think of premium into the policy as moving from a less efficient vehicle to an optimal savings vehicle. This ‘cash value,' is accounted for as an asset, which enjoys extremely favorable tax benefits in addition to first line secured creditor access rights. Understanding policy mechanics helps you make informed decisions about premium allocation to boost the efficiency of your whole life insurance policy. An intentionally strucutred ratio of base premium to paid-up additions (PUAs) can provide both long-term growth and early cash value accessibility. Maximizing the potential of your policy through proper design is both a powerful financial strategy now as well as a way to secure your family's financial future. Learn how to ensure your policy is aligned with your long-term financial goals: Base Premium vs. Paid-Up Additions (PUAs): The structure of a whole life policy involves a balance between base premium and PUAs. Base premium builds the foundation of the policy, while PUAs provide early cash value growth and accessibility. Long-Term Thinking: Proper policy design requires long-term thinking. While PUAs provide immediate cash value, a strong base premium yields greater efficiency and growth in later years. Customization: Policy structure should be tailored to individual needs and goals. Factors like age, financial objectives, and time value of money play crucial roles in determining the optimal balance between base premium and PUAs. Cash Value Accessibility: A well-structured policy allows for immediate cash value accumulation through PUAs, making funds more accessible for the Infinite Banking strategy without sacrificing long-term growth potential. Premium as an Asset: Unlike term insurance, whole life insurance premiums should be viewed as purchasing an asset rather than an expense (which is why banks and corporations stack the asset column of their balance sheet with whole life cash value). The policy's cash value remains accessible and grows contractually guaranteed over time, providing both protection and a financial tool for implementing the Infinite Banking Concept. Got Questions? Reach out to us at info@remnantfinance.com Visit https://remnantfinance.com for more information FOLLOW REMNANT FINANCE Youtube: @RemnantFinance (https://www.youtube.com/@RemnantFinance) Facebook: @remnantfinance (https://www.facebook.com/profile?id=61560694316588) Twitter: @remnantfinance (https://x.com/remnantfinance) TikTok: @RemnantFinance Don't forget to hit LIKE and SUBSCRIBE
Today, we're answering a listener question on maximizing financial windfalls: Can you do a future episode on what to do with a windfall? Specifically, the use of a premium deposit fund over many years and dumping it into a 7-pay or 10-pay policy. I would love to hear how this could be an option for inheritance or selling a business or property. https://www.youtube.com/live/cRRw5Hi_B90 What should you do when a financial windfall lands in your lap? Whether it's from selling a business, a property, or receiving an inheritance, knowing how to manage and maximize a large influx of cash can be daunting. On this episode of the Money Advantage podcast, we tackle this critical question by breaking down strategic approaches tailored to individual financial goals and circumstances. Using the analogy of a sailboat, we explore how to incorporate additional funds into a well-balanced policy without risking instability or running afoul of modified endowment contract laws. Our discussion touches on the considerations for managing windfalls through life insurance policies. We look at the sustainability of funding new policies beyond the initial windfall and the implications of different funding durations, like 10-pay versus 30-pay options. The potential benefits of convertible term life insurance and practical steps for integrating significant windfalls into your policy are highlighted. You'll gain insights into cash flow strategies and premium deposit funds, all aligned with long-term financial goals. Finally, we examine the benefits and pitfalls of various policy designs. From the "skinny base policy" with large Paid-Up Additions (PUAs) to the risks of prematurely hitting human life value limits, we cover it all. Our conversation also dives into the actuarial decisions that impact policy performance, emphasizing the importance of flexible policy designs to adapt to future changes. Can You Design a Policy to Store a Windfall?Policy Design for Maximizing Financial WindfallsUsing a Windfall to Pay Policy LoansFund an Investment FirstBook A Strategy Call Can You Design a Policy to Store a Windfall? One of the most common questions we get pertaining to windfalls—i.e. Unpredictable sums of money like an inheritance—is can you design a life insurance policy to plunk that money into? It's a smart question, especially if you are currently implementing an Infinite Banking strategy. After all, if you already know that life insurance is your preferred asset for warehousing wealth, why wouldn't you do so? So what's the answer? Well, you certainly can design a whole life insurance policy to house a windfall, but you might not want to. At least, you might not want to put that money in via a lump sum. Otherwise, you run the risk of your policy turning into a MEC, or modified endowment contract. A whole life insurance policy can become a MEC by over-funding it and doing so means that it loses its designation as an insurance asset in the eyes of the IRS and it loses its tax advantages. Think of your life insurance premiums as a sailboat. The base premium is the boat itself, the hull. To put additional funds into the policy, you would add term riders, which would be like the mast of the sailboat. Then, the PUAs are like the sails. If the mast or the sails get too big relative to the base of the boat, it's going to tip over. It won't be efficient—becoming a MEC. If you're trying to design a policy now for a potential windfall later, you would be designing a policy with a "skinny base" in order to have room for PUAs later. But doing this creates an unstable policy. All of this is to say, you definitely want to add sufficient term insurance riders and PUAs in a policy, but be careful to keep it balanced for your personal goals. Some people may want to have a MEC, but it's better to do so when you're choosing to, rather than by accident or carelessness. Policy Design for Maximizing Financial Windfalls
Deglobalization, reglobalization, decoupling, de-risking, reshoring friend-shoring, export bans, tariffs and sanctions - is global trade going into reverse, or simply into a new phase? As the World Economic Forum hosts the Annual Meeting of the New Champions in China, we ask an expert about the state of global trade and where it might be heading. Guest: Simon Evenett, founder of the St. Gallen Endowment for Prosperity Through Trade. Links: Annual Meeting of the New Champions - Next Frontiers for Growth, 25–27 June, 2024, Dalian, China: wef.ch/amnc24 Geopolitical Rivalry and Business: 10 Recommendations for Policy Design: https://wef.ch/geopolitics-business Forum's Global Future Council on the Future of Trade and Investment: https://www.weforum.org/communities/gfc-on-trade-and-investment/ Centre for Regions, Trade & Geopolitics: https://centres.weforum.org/centre-for-regions-trade-and-geopolitics/home Related podcasts: Recharging Growth in China Why it's time for the 'middle powers' to step up on geopolitics Special Meeting 2024: What Kind of Growth Do We Need? 3 shifts all effective collaborators make Check out all our podcasts on wef.ch/podcasts: YouTube: - https://www.youtube.com/@wef/podcasts Radio Davos - subscribe: https://pod.link/1504682164 Meet the Leader - subscribe: https://pod.link/1534915560 Agenda Dialogues - subscribe: https://pod.link/1574956552 Join the World Economic Forum Podcast Club: https://www.facebook.com/groups/wefpodcastclub
In this episode of the Tactical Empire podcast, hosts Jeff Smith and Shawn discuss strategies for personal and financial empowerment, focusing on the concept of infinite banking. They highlight common misconceptions around infinite banking, often perceived as a scam due to lack of education and misinformation propagated by mainstream financial advisors like Dave Ramsey. Jeff and Shawn explain how high cash value life insurance policies can be utilized to gain financial control and build wealth, emphasizing the importance of proper policy design and the pitfalls of inadequate advice from uninformed agents. They argue that many wealthy individuals use infinite banking, and its legitimacy is evident in the investment strategies of major financial institutions. The hosts encourage listeners to seek out accurate information and surround themselves with like-minded, action-oriented individuals to achieve financial success.Chapters00:00 Introduction to Tactical Empire00:32 Meet the Hosts: Jeff and Sean00:53 Weekly Updates and Personal Insights01:47 Introducing Infinite Banking02:17 Common Questions About Infinite Banking02:54 Why Infinite Banking is Misunderstood04:43 Debunking the Scam Myth07:04 Real-Life Applications and Benefits10:56 Navigating Misinformation Online17:45 Final Thoughts and EncouragementYou can connect with Shawn Rider on Facebook and Instagram. If what you heard resonated with you, you can find Jeff on Instagram, Facebook. If you're interested you can visit The Tactical Empire's website https://www.thetacticalempire.com/home-4169. And don't forget to visit us on Apple Podcasts to leave a review and let us know what you think! Your feedback keeps us going. Thanks for helping us spread the word!
This past January, our editorial counterparts at the the Journal of City Climate Policy and Economy published an issue dedicated to Ecological Economics; this episode showcases two experts in wellbeing economics who contributed their knowledge to that edition.Image Credit: Photo by Milly Vueti on UnsplashFeatured guests:Amanda Janoo is the Economics & Policy Lead at the Wellbeing Economy Alliance, a global collective striving to deliver systemic economic change which prioritises human and ecological wellbeing. These concepts are outlined in the article she co-authored, “Policy Design for a Wellbeing Economy – Lessons from Four City Pilots”, which explores four very different cities that have put wellbeing economy theories into real world practice.Rachel Laurence is the Deputy Director for The Centre for Thriving Places, which offers strategic support, research, training and evidence-based measurement tools that put the interests and wellbeing of people, place, and planet centre stage. She was the former lead for Economic Development for Barking and Dagenham council, and has acted as advisor for Barking and Dagenham Giving. She is also the co-author of “Wellbeing Economy Ideas for Cities: Lessons for Implementation.”LinksHerman Daly's Great Debates: The enduring vitality of Ecological Economics - Featuring Peter Jackson, Cities 1.5 podcast Beyond Growth: How cities can put people and planet first - Featuring Sandrine Dixson-Declève, Cities 1.5 podcastDedicim.BarcelonaBullshit Jobs - Dave Graeber, Strike MagazineMeasuring What Matters: Toward a Quality of Life Strategy for CanadaHot or Cool InstituteThriving Places IndexIf you want to learn more about the Journal of City Climate Policy and Economy, please visit our website: https://jccpe.utpjournals.press/Cities 1.5 is a podcast by University of Toronto Press and is produced in association with the Journal of City Climate Policy and Economy. Our executive producers are Dali Carmichael and Peggy Whitfield.Produced by Jess Schmidt: https://jessdoespodcasting.com/Music is by Lorna Gilfedder: https://origamipodcastservices.com/
Last month, a one-and-a-half-year-old girl was allegedly mauled to death by street dogs in central Delhi's Tughlaq Lane. In response, the National Human Rights Commission directed authorities to submit a detailed report within six weeks and to control the population of street dogs. However, within days, some animal welfare organizations stated that there is no evidence implicating street dogs in the incident, citing the gated nature of the toddler's home which made it inaccessible to dogs in the area.This incident underscores the swift polarization between animal welfare advocates and those concerned for public safety. Some regard those who feed street dogs as good Samaritans, while others believe they only exacerbate the problem.In this episode, host Sandip Roy speaks with ecologist Abi T Vanak about the management of street dogs and what actions authorities should take. Vanak is the Director of the Centre for Policy Design at ATREE.Produced by Shashank BhargavaEdited and mixed by Suresh Pawar
Coffee Badging: A Trend in Hybrid Workplaces In the world of hybrid work, a curious phenomenon has emerged: coffee badging. It's not about java aficionados collecting stamps on their loyalty cards; rather, it's a sly workaround for employees who are less than thrilled about returning to the office. Here's the scoop: Coffee badging involves employees showing up at the workplace just long enough to swipe their building ID, grab a cup of coffee, exchange pleasantries, and then promptly head home—akin to an Irish goodbye. According to a study by Owl Labs, nearly 60% of on-site workers have tried this tactic1. But why the covert coffee run? Let's explore the motivations behind this trend and how organizations might address it: Forced Office Return: Many employees harbor reservations about returning to the office. Some workplaces have become toxic due to disgruntled colleagues. Even those who don't mind being in the office engage in coffee badging to avoid the negativity. The key question: Are they still productive elsewhere? How does this impact the team relationships and trust?1. Rewarding the Wrong Behavior: Some companies inadvertently reinforce the idea that visibility equals success. Employees feel pressured to be seen physically, even if it doesn't enhance productivity. Managers who prioritize presence over results inadvertently encourage coffee badging. The fix? Evaluate performance based on effort and outcomes, not mere face time1. Deviant Conformity: Coffee badging falls into the category of deviant conformity. Employees conform to the letter of the policy (swiping in) while flouting its spirit (not fully engaging in office work). This behavior often arises from dissatisfaction with poorly designed policies. Organizations should revisit their mandates to ensure alignment with employee needs and expectations1. In summary, coffee badging reflects a nuanced response to workplace policies. While it may irk some managers, understanding the underlying reasons can guide better policy design. So, whether you're a coffee badger or a policy maker, consider the balance between compliance and genuine engagement in the evolving world of work.
We may be politically divided, but when it comes to healthcare there is actually a lot we agree on as a nation. We want healthcare that is affordable. We want a healthcare system that is easy to understand and navigate. We want to know we will receive good care when we need it most. These insights are something our guest Natalie Davis takes to heart in her work at United States of Care. She and her team are fighting hard to help create a more dependable healthcare system for diverse and underserved Americans. We discuss:Why we should never use the term “value-based care” ever again.Braidwood vs. Becerra: The court case that may eliminate free preventive services for half of all Americans.The double whammy of US healthcare: system failures and personal shame.How to nurture listening and belonging on a team.Natalie says before you start listening, you need to consider who is being failed by the healthcare system and prioritize hearing their stories:“If we look at something like maternal health – which is a work that we're doing right now – if you look at the data, it is women of color, especially Black women who are left behind and facing a real failure of our system, which is causing morbidity and mortality. And so, for our organization, we are listening loudly to Black women and we are talking to people in communit[ies], we are talking in focus groups to really make sure we understand those issues. Because, if the people who are not served by this healthcare system are listened to and then served it will make the healthcare system function better for all of us.”Relevant LinksUnited States of Care's websiteUnited Solutions for CarePatient-First Care (a.k.a. Value-Based Care) Messaging FindingsUnited States of Care Preventive Services Resource HubInsight Report from November 2023 The amicus brief United States of Care submitted on Braidwood vs. BecerraAbout Our GuestNatalie Davis has worked for nearly two decades shaping and implementing American health care policies to improve the lives of all people. In 2018, she and fellow national health care leader Andy Slavitt launched United States of Care to ensure that everyone in the country has access to quality, affordable health care regardless of health status, social need, or income. She is relentless in her person-centered approach to building health care solutions and has a history of building partnerships – with organizations, patient advocacy groups and everyday people – that work to create positive change in our country's health care system. From 2010-2016, Natalie served at the Centers for Medicare and Medicaid Services, with the final two years as Senior Advisor to former CMS Administrator, Andy Slavitt. In 2017, Natalie served as the Director of Strategic Engagement at the Bipartisan Policy Center. A social entrepreneur, Natalie also helped found Town Hall Ventures and The Medicaid Transformation Project, both of which focus on bringing the best of innovation and care
The Fifth Edition by Infinite Banking Authorized Practitioners
ANNOUNCEMENT: The Fifth Edition will soon be renamed STRATEGIC WHOLE LIFE. Read more about the coming name change below.In Episode 82, we welcome Todd Langford, creator of the Truth Concepts software, for an enlightening conversation on the complexities of financial math and the misconceptions surrounding whole life insurance. Todd shares his journey from biology to finance, highlighting the significant role of advisors in demystifying financial strategies. In our talk, we tackle common misunderstandings in financial calculations, especially with interest rates. Todd debunks myths about the returns of whole life insurance, illustrating its crucial role in a well-rounded financial portfolio.This episode delves deep into the concept of 'certainty assets' like whole life insurance, emphasizing their importance in ensuring financial stability, especially in uncertain economic times. We also explore the intricacies of policy design in life insurance and the impact of strategic decisions on long-term financial planning. Todd's insights on real estate investing, legacy planning, and the importance of long-term planning provide listeners with a comprehensive understanding of how to plan for the future effectively. Join us for this informative session that promises to reshape your perspective on finance and investment.EPISODE HIGHLIGHTS:[00:00:47] Introducing Todd Langford - A mentor in the financial industry and founder of Truth Concepts software.[00:02:00] Todd's Unique Journey - From biology to finance and his transition into the financial industry.[00:03:01] The Quality of Advisors - Todd discusses the unique group of advisors within the financial services business.[00:05:11] The Role of Advisors - Importance of financial advising beyond mere mathematics.[00:06:11] Misinformation in Financial Math - Addressing common misconceptions and errors in financial calculations.[00:07:24] Mortgage Interest Misunderstandings - Debunking typical mortgage payments and interest rates myths.[00:09:00] Understanding Policy Loans and Interest Rates - Todd explains the importance of perspective when borrowing and repaying loans.[00:12:19] Whole Life Insurance Returns - Discussing the misconceptions about the returns on whole life insurance compared to other investments.[00:14:34] Whole Life Insurance as an Asset Class - Explaining why whole life insurance should not be viewed solely as an investment.[00:17:20] Certainty Assets and Life Insurance - The necessity of having certainty assets like whole life insurance for financial stability.[00:20:17] The Role of Cash Reserves in Business - How companies like Apple use cash reserves effectively.[00:23:42] Policy Design and Trade-offs - Understanding the trade-offs in policy design for whole life insurance.[00:29:55] Insurance Company Risks and Policy Design - Discussing how insurance companies manage risks with policy designs.[00:34:53] Real Estate Investing and Opportunity Costs - Addressing the focus on opportunity cost in real estate investments.[00:37:22] Legacy Planning and Business Transitions - The importance of considering future business and legacy planning transitions.[00:39:59] Long-Term Financial Planning - Emphasizing the importance of long-term planning over short-term gains.[00:41:46] Life Insurance Paired with Other Assets - How life insurance can enhance other investment assets.[00:43:36] Contact Information for Todd Langford - Details on connecting with Todd and learning more about Truth Concepts.----LINKS:Get in touch: SCHEDULE A CONSULTATIONOnline Course: IBC MASTERY----About Your...
The year 1972 is often hailed as an inflection point in the evolution of women's rights. Congress passed Title IX of the Education Amendments of 1972, a law that outlawed sex-based discrimination in education. Many Americans celebrate Title IX for having ushered in an era of expanded opportunity for women's athletics; yet fifty years after its passage, sex-based inequalities in college athletics remain the reality. James N. Druckman and Elizabeth A. Sharrow's book Equality Unfulfilled: How Title IX's Policy Design Undermines Change to College Sports (Cambridge UP, 2023) explains why. The book identifies institutional roadblocks - including sex-based segregation, androcentric organizational cultures, and overbearing market incentives - that undermine efforts to achieve systemic change. Drawing on surveys with student-athletes, athletic administrators, college coaches, members of the public, and fans of college sports, it highlights how institutions shape attitudes toward gender equity policy. It offers novel lessons not only for those interested in college sports but for everyone seeking to understand the barriers that any marginalized group faces in their quest for equality. Kelly McFall is Professor of History and Director of the Honors Program at Newman University. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/new-books-network
The year 1972 is often hailed as an inflection point in the evolution of women's rights. Congress passed Title IX of the Education Amendments of 1972, a law that outlawed sex-based discrimination in education. Many Americans celebrate Title IX for having ushered in an era of expanded opportunity for women's athletics; yet fifty years after its passage, sex-based inequalities in college athletics remain the reality. James N. Druckman and Elizabeth A. Sharrow's book Equality Unfulfilled: How Title IX's Policy Design Undermines Change to College Sports (Cambridge UP, 2023) explains why. The book identifies institutional roadblocks - including sex-based segregation, androcentric organizational cultures, and overbearing market incentives - that undermine efforts to achieve systemic change. Drawing on surveys with student-athletes, athletic administrators, college coaches, members of the public, and fans of college sports, it highlights how institutions shape attitudes toward gender equity policy. It offers novel lessons not only for those interested in college sports but for everyone seeking to understand the barriers that any marginalized group faces in their quest for equality. Kelly McFall is Professor of History and Director of the Honors Program at Newman University. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/gender-studies
The year 1972 is often hailed as an inflection point in the evolution of women's rights. Congress passed Title IX of the Education Amendments of 1972, a law that outlawed sex-based discrimination in education. Many Americans celebrate Title IX for having ushered in an era of expanded opportunity for women's athletics; yet fifty years after its passage, sex-based inequalities in college athletics remain the reality. James N. Druckman and Elizabeth A. Sharrow's book Equality Unfulfilled: How Title IX's Policy Design Undermines Change to College Sports (Cambridge UP, 2023) explains why. The book identifies institutional roadblocks - including sex-based segregation, androcentric organizational cultures, and overbearing market incentives - that undermine efforts to achieve systemic change. Drawing on surveys with student-athletes, athletic administrators, college coaches, members of the public, and fans of college sports, it highlights how institutions shape attitudes toward gender equity policy. It offers novel lessons not only for those interested in college sports but for everyone seeking to understand the barriers that any marginalized group faces in their quest for equality. Kelly McFall is Professor of History and Director of the Honors Program at Newman University. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/sports
The year 1972 is often hailed as an inflection point in the evolution of women's rights. Congress passed Title IX of the Education Amendments of 1972, a law that outlawed sex-based discrimination in education. Many Americans celebrate Title IX for having ushered in an era of expanded opportunity for women's athletics; yet fifty years after its passage, sex-based inequalities in college athletics remain the reality. James N. Druckman and Elizabeth A. Sharrow's book Equality Unfulfilled: How Title IX's Policy Design Undermines Change to College Sports (Cambridge UP, 2023) explains why. The book identifies institutional roadblocks - including sex-based segregation, androcentric organizational cultures, and overbearing market incentives - that undermine efforts to achieve systemic change. Drawing on surveys with student-athletes, athletic administrators, college coaches, members of the public, and fans of college sports, it highlights how institutions shape attitudes toward gender equity policy. It offers novel lessons not only for those interested in college sports but for everyone seeking to understand the barriers that any marginalized group faces in their quest for equality. Kelly McFall is Professor of History and Director of the Honors Program at Newman University. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/sociology
The year 1972 is often hailed as an inflection point in the evolution of women's rights. Congress passed Title IX of the Education Amendments of 1972, a law that outlawed sex-based discrimination in education. Many Americans celebrate Title IX for having ushered in an era of expanded opportunity for women's athletics; yet fifty years after its passage, sex-based inequalities in college athletics remain the reality. James N. Druckman and Elizabeth A. Sharrow's book Equality Unfulfilled: How Title IX's Policy Design Undermines Change to College Sports (Cambridge UP, 2023) explains why. The book identifies institutional roadblocks - including sex-based segregation, androcentric organizational cultures, and overbearing market incentives - that undermine efforts to achieve systemic change. Drawing on surveys with student-athletes, athletic administrators, college coaches, members of the public, and fans of college sports, it highlights how institutions shape attitudes toward gender equity policy. It offers novel lessons not only for those interested in college sports but for everyone seeking to understand the barriers that any marginalized group faces in their quest for equality. Kelly McFall is Professor of History and Director of the Honors Program at Newman University. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/american-studies
The year 1972 is often hailed as an inflection point in the evolution of women's rights. Congress passed Title IX of the Education Amendments of 1972, a law that outlawed sex-based discrimination in education. Many Americans celebrate Title IX for having ushered in an era of expanded opportunity for women's athletics; yet fifty years after its passage, sex-based inequalities in college athletics remain the reality. James N. Druckman and Elizabeth A. Sharrow's book Equality Unfulfilled: How Title IX's Policy Design Undermines Change to College Sports (Cambridge UP, 2023) explains why. The book identifies institutional roadblocks - including sex-based segregation, androcentric organizational cultures, and overbearing market incentives - that undermine efforts to achieve systemic change. Drawing on surveys with student-athletes, athletic administrators, college coaches, members of the public, and fans of college sports, it highlights how institutions shape attitudes toward gender equity policy. It offers novel lessons not only for those interested in college sports but for everyone seeking to understand the barriers that any marginalized group faces in their quest for equality. Kelly McFall is Professor of History and Director of the Honors Program at Newman University. Learn more about your ad choices. Visit megaphone.fm/adchoices
The year 1972 is often hailed as an inflection point in the evolution of women's rights. Congress passed Title IX of the Education Amendments of 1972, a law that outlawed sex-based discrimination in education. Many Americans celebrate Title IX for having ushered in an era of expanded opportunity for women's athletics; yet fifty years after its passage, sex-based inequalities in college athletics remain the reality. James N. Druckman and Elizabeth A. Sharrow's book Equality Unfulfilled: How Title IX's Policy Design Undermines Change to College Sports (Cambridge UP, 2023) explains why. The book identifies institutional roadblocks - including sex-based segregation, androcentric organizational cultures, and overbearing market incentives - that undermine efforts to achieve systemic change. Drawing on surveys with student-athletes, athletic administrators, college coaches, members of the public, and fans of college sports, it highlights how institutions shape attitudes toward gender equity policy. It offers novel lessons not only for those interested in college sports but for everyone seeking to understand the barriers that any marginalized group faces in their quest for equality. Kelly McFall is Professor of History and Director of the Honors Program at Newman University. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/public-policy
The year 1972 is often hailed as an inflection point in the evolution of women's rights. Congress passed Title IX of the Education Amendments of 1972, a law that outlawed sex-based discrimination in education. Many Americans celebrate Title IX for having ushered in an era of expanded opportunity for women's athletics; yet fifty years after its passage, sex-based inequalities in college athletics remain the reality. James N. Druckman and Elizabeth A. Sharrow's book Equality Unfulfilled: How Title IX's Policy Design Undermines Change to College Sports (Cambridge UP, 2023) explains why. The book identifies institutional roadblocks - including sex-based segregation, androcentric organizational cultures, and overbearing market incentives - that undermine efforts to achieve systemic change. Drawing on surveys with student-athletes, athletic administrators, college coaches, members of the public, and fans of college sports, it highlights how institutions shape attitudes toward gender equity policy. It offers novel lessons not only for those interested in college sports but for everyone seeking to understand the barriers that any marginalized group faces in their quest for equality. Kelly McFall is Professor of History and Director of the Honors Program at Newman University. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/education
The year 1972 is often hailed as an inflection point in the evolution of women's rights. Congress passed Title IX of the Education Amendments of 1972, a law that outlawed sex-based discrimination in education. Many Americans celebrate Title IX for having ushered in an era of expanded opportunity for women's athletics; yet fifty years after its passage, sex-based inequalities in college athletics remain the reality. James N. Druckman and Elizabeth A. Sharrow's book Equality Unfulfilled: How Title IX's Policy Design Undermines Change to College Sports (Cambridge UP, 2023) explains why. The book identifies institutional roadblocks - including sex-based segregation, androcentric organizational cultures, and overbearing market incentives - that undermine efforts to achieve systemic change. Drawing on surveys with student-athletes, athletic administrators, college coaches, members of the public, and fans of college sports, it highlights how institutions shape attitudes toward gender equity policy. It offers novel lessons not only for those interested in college sports but for everyone seeking to understand the barriers that any marginalized group faces in their quest for equality. Kelly McFall is Professor of History and Director of the Honors Program at Newman University. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/politics-and-polemics
The year 1972 is often hailed as an inflection point in the evolution of women's rights. Congress passed Title IX of the Education Amendments of 1972, a law that outlawed sex-based discrimination in education. Many Americans celebrate Title IX for having ushered in an era of expanded opportunity for women's athletics; yet fifty years after its passage, sex-based inequalities in college athletics remain the reality. James N. Druckman and Elizabeth A. Sharrow's book Equality Unfulfilled: How Title IX's Policy Design Undermines Change to College Sports (Cambridge UP, 2023) explains why. The book identifies institutional roadblocks - including sex-based segregation, androcentric organizational cultures, and overbearing market incentives - that undermine efforts to achieve systemic change. Drawing on surveys with student-athletes, athletic administrators, college coaches, members of the public, and fans of college sports, it highlights how institutions shape attitudes toward gender equity policy. It offers novel lessons not only for those interested in college sports but for everyone seeking to understand the barriers that any marginalized group faces in their quest for equality. Kelly McFall is Professor of History and Director of the Honors Program at Newman University. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/law
Bruce Wehner discusses the primary components of infinite banking policy design: base premium, paid-up additions riders, and term riders. Following the principles laid out by Nelson Nash in Becoming Your Own Banker, we review the concepts for designing a whole life insurance policy for the Infinite Banking Concept. https://www.youtube.com/watch?v=S54uejv8g-Q When my father took out a whole life insurance policy on me as a newborn, little did he know that it would be the cornerstone of my financial planning in the future. From leveraging that policy for a home down payment to understanding the value of banking, I've followed the policy design guidelines of the Nelson Nash Institute to navigate the complex world of finance. Join us in our exploration of whole life insurance and the myriad of benefits it offers not just from a security standpoint, but also as a tool for capital growth and liquidity. In this episode, we touch upon the long-term thinking involved in whole life insurance policy design. The focus is on the trade-offs we make, highlighting the potential benefits of reduced liquidity in the early years. We also delve into the nitty-gritty of policy design, discussing why a convertible term policy can be a boon for your financial portfolio. Moreover, we illuminate the often misunderstood relationship between banking and insurance, demonstrating how the former can be a profitable venture to exploit. Lastly, we examine the financial intricacies of policy design, emphasizing the importance of understanding the connection between a policy's base death benefit and premium. We share insights into how dividends are calculated and how factors such as a low-interest-rate environment can impact these projections. Wrapping up, we stress on the importance of affording the premiums and how it affects the potential dividends one can receive. So, tune in, and let's debunk the myths surrounding whole life insurance policy design while learning how to make the most of it. Whole Life Insurance is Not an InvestmentThe 3 Components of Infinite Banking Policy DesignWhat is Base?What are PUAs? Infinite Banking Policy Design and Base/PUA SplitThe Role of Term InsuranceThe Balance of Infinite Banking Policy DesignLiquidity and Thinking Long-TermOther Facets of Infinite Banking Policy DesignBook A Strategy Call Whole Life Insurance is Not an Investment Whole life insurance is a unique place to store cash because it's safe and it grows. This growth, however, cannot be compared to investments because it's not an investment. Instead, it should be compared to a bank, which is meant to be “safe” growth. This comparison reveals that cash value in a policy grows at a more substantial rate and is also tax-advantaged. Cash value is also fairly liquid, though it takes some time for your cash value to catch up to the contributions you make. In other words, there are some limitations on the liquidity early on. However, this is temporary and is more than worth the trade-off of safe growth—safe from the IRS, creditors, taxation, loss, theft, and death. It's an iron-clad way to store your cash that you can't get anywhere else. The 3 Components of Infinite Banking Policy Design In order to get the best results from your whole life insurance policy, you want one that is specifically designed for IBC. This means that you want to work with an insurance agent who is familiar with your financial objectives, and can help you choose the ideal policy design. Policy design can be complex, yet the three main components of a policy are base premium, PUA riders, and term riders. What is Base? Base refers to the part of your premium that goes to the main (or base) portion of the death benefit you're buying. This is the foundation you build the rest of your policy upon, such as PUAs and riders. When you have a high base, you're buying more death benefit upfront, and paying for it over the course of your premiums.
The way that you design your IBC policy is one of the most important considerations you can make as your own banker – and it can make a difference of hundreds of thousands or even millions of dollars.In this week's episode Dave and Paul break down some of these new age, non-traditional IBC policies – namely the infamous “10/90” policy. Whether it's out of inexperience, or bad advice, the guys will set you straight on where your policy needs to fall on the premium vs. base spectrum.With their combined experience and decades running their own policies, you're going to want to make sure you catch this episode of Wealth Warehouse.Episode Highlights:(0:00) - Introduction(0:27) - Episode beginning(3:31) - A comment from the audience: discussing “10/90” policies(10:25) - It's a flawed mentality(11:30) - You should want to pay premium, what 10/90s look like down the line(16:56) - Sticking to the fundamental principles of IBC(23:58) - Finding “win-win” opportunities, why Dave and Paul are here(27:52) - Understanding what is going on(29:56) - Stop rushing to get rich(31:08) - If something goes wrongABOUT YOUR HOSTS:David Befort and Paul Fugere are the hosts of the Wealth Warehouse Podcast. David is the Founder/CEO of Max Performance Financial. He founded the company with the mission of educating people on the truths about money. David's mission is to show you how you can control your own money, earn guarantees, grow it tax-free, and maintain penalty-free access to it to leverage for opportunities that will provide passive income for the rest of your life. Paul, on the other hand, is an Active Duty U.S. Army officer who graduated from Norwich University in 2002 with a B.A. in History and again in 2012 with a MA in Diplomacy and International Terrorism. Paul met his wife Tammy at Norwich. As a family, they enjoy boating, traveling, sports, hunting, automobiles, and are self-proclaimed food people. Catch up with David and Paul, visit the links below! Website: https://infinitebanking.org/agents/Fugere494 https://infinitebanking.org/agents/Befort399 LinkedIn: https://www.linkedin.com/in/david-a-befort-jr-09663972/ https://www.linkedin.com/in/paul-fugere-762021b0/ Email: davidandpaul@theibcguys.com
In this episode Chris and the Mike's discuss skinny policy design. We get asked this question all the time, “Is there a way to make my policy grow faster on day one?” Typically, the solution for faster growth is to modify the policy design structure. Take a listen to see what the team thinks of […] The post Our thoughts on Skinny Policy Design appeared first on Life Success Legacy.
Dollar/Yen is up following media reports that current Bank of Japan Deputy Governor Masayoshi Amamiya will be nominated as the next head of the central bank. Yen rates are stable, as traders appear to be awaiting the formal announcement. The Chinese Lunar New Year holidays are over, and Yen asset trading among Asian investors has picked back up. In today's episode, MUFG Chief Japan Strategist Takahiro Sekido discusses recent media reports about BoJ leadership nominations and shares his outlook across markets in February. He also shares his views on spot Dollar/Yen, Yen rate, and Yen basis. Disclaimer: www.mufgresearch.com (PDF)
As healthcare policy navigates what is widely seen as a historic inflection point, Harvard Kennedy School professors Amitabh Chandra and Soroush Saghafian say policymakers need to pursue change with care, deeply analyzing the weaknesses the COVID-19 pandemic exposed and using that data to design intelligent policy that can create truly transformational change. COVID stretched the US healthcare system and healthcare systems across the world to the breaking point and beyond, buy if there's a silver lining, it may be that there is now the urgency and will among politicians and policymakers to pursue meaningful changes that could result in improved access to healthcare services that are both more affordable and higher quality. But Saghafian and Chandra say quick-fix policy changes—even those that are well-intentioned—may be destined to fail, including the health care provisions in the Biden Administration's Inflation Reduction Act, which were hailed as a breakthrough if for nothing else other than finally breaking the pharmaceutical industry's stranglehold on any attempt to control prescription drug prices. Professor Chandra is the director of Health Policy Research at the Kennedy School, and his research focuses on innovation and pricing in the biopharmaceutical industry and value and racial disparities in health care delivery. Professor Saghafian is the founder of the Public Impact Analytics Science Lab at Harvard and his work combines big data analytics, health policy, and decision science to discover new insights and provide new solutions to various existing problems. They're here to talk through this important historic moment in healthcare policy, both in terms of challenges and opportunities.
The energy transition is currently supported by three main pillars: science & technology, economics, and policy. In 2022 these three pillars are unaligned, with a lack of cohesion impeding progress. In today's episode of the Energy Gang, the team explores three current events that highlight and exemplify the current state of the energy transition in the US and beyond.The gang starts with the future of President Biden's Build Back Better agenda. The original bill included a lot of provisions that were hugely important for low-carbon energy in the US. It died in Congress late last year after Senator Joe Manchin declined to support it. The big question now is: can anything be salvaged from that agenda and where do we go from here?The US government's investigation into the alleged dumping of imported solar panels has reportedly had a “devastating” impact on planned solar projects. Is now the time to create a domestic economy for solar panels or are we still too reliant on cheap imports? It's an ongoing debate: the role of hydrogen in the energy transition. There is, of course, huge interest in the potential for low-carbon hydrogen in a zero-emissions energy system. But what role can hydrogen really play? And might other options be better for some uses?Today we're delighted to welcome back both Melissa Lott and Robbie Orvis. Melissa is the Director of Research at Columbia University's Center on Global Energy Policy, and Robbie Orvis is the Senior Director of Policy Design at Energy Innovation. As always, your host Ed Crooks is here to anchor and lead the discussion.Stick around for a thrilling conversation about policy, technology, and innovation. Don't forget to follow us on Twitter @theenergygang and let us know what you thought of today's episode.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
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