Podcasts about premiums

The FPL Pod team review Gameweek 3 and ask which premium players could make way ahead of the next deadline

Seven Life Insurance Tax Benefits Many People Are Unaware Of Episode 398 – It's not always easy to understand how life insurance works. But there are some unique tax advantages that often get overlooked. Here are seven of them. More SML Planning Minute Podcast Episodes Transcript of Podcast Episode 398 Hello, this is Bill Rainaldi, with another edition of Security Mutual's SML Planning Minute. In today's episode: seven life insurance tax benefits many people are unaware of. Is there really such a thing as a simple financial product? Maybe. But in many—if not most— cases, tax law introduces complications that can make some products difficult for the typical consumer to understand. But with that comes opportunity. You're going to pay taxes anyway, but along the way, you might as well make an effort to minimize them. Life insurance, particularly permanent life insurance, offers its share of tax complexities. But many of these, if you truly understand them, can help produce advantageous after-tax results. Here are seven tax benefits you might not be aware of: 1) In most cases, the life insurance death benefit is income tax-free. This is probably the biggest, and most well-known, tax advantage of life insurance. When you receive a large sum of cash after someone dies, the taxation depends on where the money comes from. For example, if you inherit an individual retirement account or IRA, you are likely to be facing a significant income tax bill. Not so with a life insurance death benefit. We must caveat, that we are referring to typical lump-sum payouts directly to a named person that are generally income tax-free. Exceptions can occur due to interest earnings, estate size, policy transfers, or complex ownership structures. These are not typical scenarios, however. Using the typical scenario, the difference is potentially huge. If you're in a 32 percent tax bracket for example, your $1,000,000 of pre-tax cash will only be worth $680,000 after tax. But with the few exceptions already referenced, a $1,000,000 of life insurance death benefit is worth the full $1,000,000 after tax. 2) Tax-deferred growth of cash value. In most circumstances, a permanent life insurance policy will generate a cash value, which is also the amount you would receive if you surrendered the policy. Note that a term life insurance policy generally does not have any cash value.The cash value within a permanent policy—in most but not all cases—grows on a tax-deferred basis, unlike, say, a mutual fund or a stock that pays a dividend. The gains within the policy are not taxed from year to year. Gains only become taxable in certain circumstances, such as a cash surrender of the policy, certain withdrawals above your taxable basis, or if the policy lapses. 3) Tax-free borrowing via policy loans. You have the ability to borrow against your policy's cash value on a tax-free basis, within limits, as long as the policy stays in force. Tax-wise, loans are treated as debt, not income. As with most types of loans other than home mortgages, interest payments are not deductible. But unlike a bank loan, the loan decision is entirely yours. You don't have to ask anyone else to approve your application, and while you will continue to accrue interest, you are not required to pay the loan back at any particular time. 4) Receiving an “accelerated death benefit” that is generally tax-free. If you are chronically or terminally ill, you may be able to access a portion of the policy's death benefit while you are still living if the policy includes a chronic or terminal illness accelerated death benefit provision. From a tax perspective, assuming certain conditions are met, the distribution would be treated as an income tax-free acceleration of the eventual death benefit payment. 5) Tax-free exchanges via IRC Section 1035. You can also exchange one life insurance policy for another without being immediately taxed on any gains. There are, of course, some rules you'll need to follow. When the first policy is transferred, the money needs to go directly from the original transferring insurance company to the new insurance company. Of course, if the original company is also issuing the new policy then there is no physical transfer. The main thing is that you can't take receipt of the policy proceeds yourself during the exchange. Also, the new policy must have the same owner and insured as the old one. No material changes may occur but if you follow the rules, a Section 1035 exchange can be an opportunity to improve the life insurance benefits over the ones in your original transferred policy. The new policy may have a higher or less expensive death benefit, performance implications, or riders that may not have existed before or are better, all without any current tax implications. 6) A life insurance policy can help with estate taxes. Not many people think about this one. After all, federal estate tax law, as of 2026, allows you to leave up to $15 million to your heirs ($30 million for a married couple) before any federal estate tax is assessed.[1] But state estate tax laws are different. If you live in certain states, such as New York, Maryland or Massachusetts, the threshold is much lower.[2] Estate tax rates can be high, and an Irrevocable Life Insurance Trust (ILIT) can help ensure the associated life insurance proceeds are not included in your taxable estate, thus minimizing or helping to avoid a potentially significant estate tax. If this sounds like something you'd be interested in, it is recommended to consult with a qualified life insurance professional. 7) In a business situation, life insurance can potentially have tax advantages. Businesses can find ways to use life insurance in a tax-efficient manner. This might include buy-sell agreements, key-person insurance, split-dollar arrangements, or executive benefit plans. Premiums paid are generally not deductible for the business, but these strategies can still provide significant tax advantages to both the business and the insured individual(s). And here's a bonus tax-advantaged use of life insurance: 8) Potential retirement income. If the circumstances are right, a cash value life insurance policy can be used to supplement retirement income. This doesn't happen overnight; it's a strategy that generally needs to be planned out well in advance. Once a life insurance policy has been well-capitalized (and this usually takes someone many years) it is possible to access cash value through periodic tax-free loans and withdrawals to the policy's tax basis. This strategy can provide retirement income that is both tax-free and not subject to Required Minimum Distributions or RMDs. Such loans and withdrawals are generally not guaranteed. As is always the case with taxation, things can become very complicated, and there are some pitfalls to watch out for. One of the most notable is something called a “modified endowment contract.” The IRS specifies how much money can be paid into a life insurance contract, and if you exceed those limits, many of the tax advantages could be lost. It's too complicated to discuss in detail here, but it's a good illustration of why you need the help of a qualified life insurance professional. Interested in pursuing some of the special tax advantages discussed here? Your Security Mutual Life insurance agent can help. Your Security Mutual Life insurance agent can augment or help assemble your financial team and coordinate with your attorneys and tax professionals to review your situation, and to determine the insurance plan that will best suit your needs and objectives. [1] Internal Revenue Service. “Estate Tax.” IRS.gov. https://www.irs.gov/businesses/small-businesses-self-employed/estate-tax (accessed August 6, 2026). [2] Loughead, Katherine. “Estate and Inheritance Taxes by State, 2025.” Taxfoundation.org. https://taxfoundation.org/data/all/state/estate-inheritance-taxes/ (accessed August 6, 2026). More SML Planning Minute Podcast Episodes This podcast is brought to you by Security Mutual Life Insurance Company of New York, The Company That Cares®. The content provided is intended for educational and informational purposes only. Information is provided in good faith. However, the Company makes no representation or warranty of any kind regarding the accuracy, reliability, or completeness of the information. The information presented is designed to provide general information regarding the subject matter covered. It is not to serve as legal, tax or other financial advice related to individual situations, because each individual's legal, tax and financial situation is different. Specific advice needs to be tailored to your situation. Therefore, please consult with your own attorney, tax professional and/or other advisors regarding your specific situation. To help reach your goals, you need a skilled professional by your side. Contact your local Security Mutual life insurance advisor today. As part of the planning process, he or she will coordinate with your other advisors as needed to help you achieve your financial goals and objectives. For more information, visit us at SMLNY.com/SMLPodcast. If you've enjoyed this podcast, tell your friends about it. And be sure to give us a five-star review. And check us out on LinkedIn, YouTube and Twitter. Thanks for listening, and we'll talk to you next time. Tax laws are complex and subject to change. The information presented is based on current interpretation of the laws. Neither Security Mutual nor its agents are permitted to provide tax or legal advice. The applicability of any strategy discussed is dependent upon the particular facts and circumstances. Results may vary, and products and services discussed may not be appropriate for all situations. Each person's needs, objectives and financial circumstances are different, and must be reviewed and analyzed independently. We encourage individuals to seek personalized advice from a qualified Security Mutual life insurance advisor regarding their personal needs, objectives, and financial circumstances. Insurance products are issued by Security Mutual Life Insurance Company of New York, Binghamton, New York. Product availability and features may vary by state.​ SubscribeApple PodcastsSpotifyAndroidPandoraby EmailTuneInDeezerRSSMore Subscribe Options

"Everything government touches is complicated." - Danielle Kunkle Roberts Our hosts, Stephanie McCullough and Kevin Gaines, bring on Danielle Kunkle Roberts of Boomer Benefits, and author of 10 Costly Medicare Mistakes You Can't Afford to Make. As the title of her book suggests, Medicare isn't free. Believing otherwise is mistake number one! Premiums, deductibles, and coverage gaps are real costs that blindside retirees, especially anyone who leaves the workforce before 65 and needs an ACA bridge plan to survive the gap. The trickiest wrinkle is the size-of-employer rule. If you work for a company with 20-plus employees past 65, your group plan stays primary while Medicare waits in the wings. Work for a smaller one, and Medicare becomes primary whether you enrolled or not, leaving a surprise medical bill for anyone who assumed their coverage worked the way a friend's did. Never assume your neighbor's, cousin's, or friend's Medicare situation applies to yours, because age, employer size, and state all rewrite the rules. Danielle also talks about "Ugly IRMAA". As the income-based surcharge calculated off your tax return from two years back, the Medicare IRMAA can ambush anyone who thought retirement meant no more "earnings." Then there's the annual Advantage plan and Part D notices of change, proof that even after enrollment, nothing about Medicare is truly "set it and forget it." Danielle's fix isn't memorizing every rule, but finding a broker paid by commission rather than out-of-pocket, who revisits your plan every single year.   Key Topics: Medicare Isn't Free: Premiums and Coverage Gaps (05:30) Late Enrollment Penalties That Last Forever (11:39) Meet "Ugly IRMAA": Income-Based Premium Surcharges (18:31) Keep Your Creditable Coverage Paperwork (25:26) Medigap vs. Advantage: The One-Way Door (31:28) How Brokers Actually Get Paid (33:11) Why Advantage and Part D Are Never "Set It and Forget It" (40:34) Key Takeaways (45:38)   Resources: Boomer Benefits: https://boomerbenefits.com Medicare Q&A with Boomer Benefits Free FB Group: https://www.facebook.com/groups/BoomerBenefits/ 10 Costly Medicare Mistakes You Can't Afford to Make (book): https://a.co/d/09YBATz5   "Danielle Kunkle Roberts, and Boomer Benefits  are not affiliated with or endorsed by Private Advisor Group, American Financial Management Group, or Sofia Financial." This episode or article may contain affiliate links.   If you like what you've been hearing, we invite you to subscribe on your favorite platform and leave us a review. Tell us what you love about this episode! Or better yet, tell us what you want to hear more of in the future. stephanie@sofiafinancial.com   You can find the transcript and more information about this episode at www.takebackretirement.com.   Follow Stephanie on Twitter, Facebook, YouTube and LinkedIn.  Follow Kevin on Twitter, Facebook, YouTube and LinkedIn.

This week Ethan Woolley provides an update on the key Australian grain and livestock market drivers this winter and what could be on the outlook as Spring approaches. 

Welcome to another episode of The Cashflow Project Podcast! This episode explores one of multifamily real estate's biggest challenges: rising insurance costs. We dive into group captive insurance—an innovative model that lets owners share risk, gain greater control, and potentially turn insurance from a major expense into a profit center. Tune in to learn how these structures work, who can benefit, and how alternative insurance strategies can improve your bottom line. [00:00] Getting into insurance by accident [05:56] Pivoting to real estate insurance [09:05] Corporate mutual insurance explained [13:20] Understanding Reinsurance and Underwriting Profit [17:17] Aligning interests for private business [19:04] Joining a real estate insurance collective [22:30] Evaluating real estate operators [26:03] Stabilizing insurance costs long-term [29:23] Adopting a systems thinking approach [33:14] Reflecting on personal growth choices [36:18] Managing insurance and taxes Connect with Nicolas Lares! Website LinkedIn Instagram Connect with The Cashflow Project! Website LinkedIn YouTube Facebook Instagram

State regulators announced rate hikes for Affordable Care Act health insurance plans, more Cyclosporiasis cases in the Grants State and Gov. Scott wants to make changes to primary elections. Plus, listen to track of local music about “adulting” on the Friday Song.

A state board has approved a large increase in the cost of state employee health insurance premiums starting January 1st, further stressing state agencies and employees.

Thank you so much for listening to the Bob Harden Show, celebrating 15 years broadcasting on the internet. On Thursday's show, we visit with Florida Citizens Alliance COO Ryan Young about proposed Florida Department of Education rules on “guardrails” for the use of artificial intelligence in public education. Cato Institute Director of Health Policy Studies Michael Cannon and I discuss the increasing costs of Obamacare and ways to avoid those increases. CEI Senior Economist Ryan Young and I discuss the increase in our national debt, and we discuss Scott Bessent's plan for the Treasury to buy back debt. We also discuss the August James Madison Institute's poll results with President and CEO, Dr. Bob McClure. We have a terrific guest for Friday's show – author and Professor Andrew Joppa. Access this and past shows at your convenience on my web site, social media platforms or podcast platforms.

Infinite Banking Q&A: Dividends, Premiums & How They Really Work | Q&A #25This Q&A episode answers common questions about dividends and premiums in Infinite Banking, including how they relate to properly designed whole life insurance policies used to implement the Infinite Banking Concept. We discuss what policyholders should understand about premiums, dividend-paying whole life insurance, and how these elements fit into the broader strategy of becoming your own banker as taught by R. Nelson Nash.Learn the principles behind Infinite Banking, whole life insurance, policy design, dividends, premiums, cash value, and the Infinite Banking Concept—without the hype or confusion. ⚔️ LIVE & LEAVE A LASTING LEGACY

Premiums are climbing, deductibles feel heavier every year, and most people still can't tell you why health care costs what it costs. From the Mackinac Policy Conference, we talk with Dominick Pallone, CEO of the Michigan Association of Health Plans, to get a clear look at what health plans actually do in Michigan and how state policy decisions ripple straight into employer coverage and family budgets.We start with the basics: MAHP represents nine health insurance companies covering nearly four million Michiganders, and their day-to-day work is advocacy with state lawmakers and regulators. From there, we dig into competition and choice in a market long shaped by a dominant carrier, and why employers and individuals should know they have other network options. The goal, Dom argues, is competing on access, quality outcomes, and real value rather than just headlines.Then we get to the affordability problem everyone feels. Dom explains why insurers often function as pass-through entities for underlying prices, and why pharmacy costs have become the biggest lever right now. We talk about double-digit premium trends, specialty drugs that are clinically remarkable but financially punishing, and the policy tightrope between supporting innovation and keeping coverage usable. We also explore practical fixes: value-based care arrangements, custom high-value networks, and health literacy tools like real-person call centers and apps that help members compare cost and quality for elective care.If you care about Michigan health care, health insurance affordability, pharmacy pricing, and what can actually move the needle, this conversation is for you. Subscribe, share this with a friend or colleague, and leave a review with the biggest cost question you want answered next.Support the showEngage the conversation on Substack at The Common Bridge!

Senior Associate Editor Dave Pilla discusses AM Best's 2026 rankings that show California still leading the nation in private passenger auto direct premiums written, followed by Texas, Florida, New York and Georgia.

"People say 'I believe in vaccines.' Nobody says that about seatbelts." Aaron Siri is the managing partner of Siri & Glimstad and, by most measures, the most consequential vaccine litigator in America. He's the attorney behind the famous nine-hour deposition of Dr. Stanley Plotkin — the man they call the godfather of vaccines — lead counsel for the Informed Consent Action Network (ICAN), a 2025 Senate witness, and a central legal figure in the RFK-era reshaping of federal vaccine policy. His new book is Vaccines, Amen: The Religion of Vaccines — in his words, "a cross-examination in book form." This one steps outside the show's usual lane, and I want to be upfront: this is not medical advice, I'm not a doctor, and everything Aaron argues here is his own case — where it's contested by public-health bodies, treat it as one side of an open debate. What ties it to this show is the question we always ask: how do you know what's real when you're not allowed to check? From there we go deep — how a custody case led to the legendary Plotkin deposition; the Hepatitis B shot Aaron says was licensed on a trial of 147 kids, five days of monitoring, and no control group; the 1986 law he calls "the original sin" that handed vaccine makers liability immunity; the Ford Pinto and what punitive damages actually do; informed consent versus the right to refuse; whether vaccines really stop transmission; and the measles-mortality data he argues almost no one talks about. A conversation about evidence, incentives, and who gets to audit the people in charge. Subscribe so you never miss an episode.

Car insurance in Australia has leapt by nearly 50 per cent in the last six years and this week, the financial regulator blasted insurers for failing to adequately explain to customers why they have jacked up prices by so much.So what's behind the spike in premiums?Insurers talk about the cost of repairing cars these days and global volatility, but there's plenty of evidence that companies will reduce the cost if you threaten to walk.Today's guest, national consumer affairs reporter Elias Visontay, talks about the real reason premiums have risen so steeply, and what you can do about it.The Morning Edition brings you the story behind the story with the best journalists in Australia. Join host Samantha Selinger-Morris, from the newsrooms of The Sydney Morning Herald and The Age, weekdays from 5am.If you enjoyed this episode and want to hear more, rate, review and subscribe on Apple, Spotify, YouTube or whichever platform you find your pods.Subscribe to The Age & SMH: https://subscribe.smh.com.au/See omnystudio.com/listener for privacy information.

Car insurance in Australia has leapt by nearly 50 per cent in the last six years and this week, the financial regulator blasted insurers for failing to adequately explain to customers why they have jacked up prices by so much.So what's behind the spike in premiums?Insurers talk about the cost of repairing cars these days and global volatility, but there's plenty of evidence that companies will reduce the cost if you threaten to walk.Today's guest, national consumer affairs reporter Elias Visontay, talks about the real reason premiums have risen so steeply, and what you can do about it.The Morning Edition brings you the story behind the story with the best journalists in Australia. Join host Samantha Selinger-Morris, from the newsrooms of The Sydney Morning Herald and The Age, weekdays from 5am.If you enjoyed this episode and want to hear more, rate, review and subscribe on Apple, Spotify, YouTube or whichever platform you find your pods.Subscribe to The Age & SMH: https://subscribe.smh.com.au/See omnystudio.com/listener for privacy information.

"We need Bitcoiners to fight for Bitcoin. If no one fights for Bitcoin, Bitcoin will very soon be dead." Hodlonaut is a Bitcoin citizen journalist, the founder of the Citadel21 zine, the man behind the 2019 Lightning Torch, and the person who told the simple truth about Craig Wright and then stood in the fire for five years over it. Most recently he is the author of the Capture series, a deep investigation into how informal power over Bitcoin Core was assembled, exercised, and defended. We recorded this on August 2, 2026, in the middle of the ColdCard fallout, and the grief of that moment runs underneath the whole conversation. From there we go all the way back: how he found Bitcoin in 2013, the Pirate Bay ethos, Citadel21, and the birth of Hodlonaut and the Space Cat. We get into the Lightning Torch as a three-month experiment in trust, the Craig Wright war and how stoicism carried him through it, and then the heart of it: the Capture series, the "priesthood" narrative around Core, the OP_RETURN uncap, the DEI and "extractive" playbook used to shut down criticism, why every line of code must serve monetary sovereignty, and his return to fully supporting BIP-110. This is a conversation about the human layer of Bitcoin, and why we have to fight for it. Subscribe so you never miss an episode.

Home insurance costs are skyrocketing—and it's affecting far more than just homeowners in high-risk states. This week on Trading Secrets, Jason Tartick sits down with risk and resilience expert Chloe Demrovsky to unpack the real reasons insurance premiums are surging, why coverage is disappearing in certain markets, and what every current or future homeowner needs to know before it's too late. From climate risk and billion-dollar disasters to hidden policy exclusions and the true cost of rebuilding after catastrophe, Chloe breaks down the insurance industry in a way that's practical, easy to understand, and immediately actionable. In this episode, you'll learn: • Why home insurance premiums have increased faster than inflation • The biggest coverage gaps most homeowners don't discover until after disaster strikes • The difference between replacement cost and actual cash value • Why flood insurance, alternate living expenses, and policy exclusions matter • How AI can help you understand your insurance policy • The simple steps every homeowner should take today to protect their finances and family • Why your insurance premium is actually a warning signal—not just another bill Whether you're buying your first home, own multiple properties, or simply want to protect your biggest investment, this conversation could save you thousands—and help you avoid costly mistakes when it matters most. Learn more about your ad choices. Visit podcastchoices.com/adchoices

www.insurancebrokerplus.com

In this week's episode of Medicine: The Truth, hosts Jeremy Corr and Dr. Robert Pearl dig for the facts beneath healthcare's biggest headlines. Today's show opens with the issue most likely to shape how Americans think about healthcare heading into the midterm elections: affordability. Dr. Pearl explains that medical costs have now reached $5.7 trillion, rising more than 7% for the third consecutive year. Federal actuaries project that healthcare spending could approach $9 trillion by 2034, accounting for more than 20% of the U.S. GDP. For voters, employers, patients and families, those numbers aren't just an endless string of zeroes. They're impacting everyday life. Premiums, deductibles, copays and prescription drug costs are forcing people with private insurance, Medicare and exchange coverage to delay care, take on debt or choose worse coverage. Two major drivers stand out: hospital spending and drug costs. Hospital care remains the largest share of national healthcare expenses, while drug spending is rising fastest, driven in part by the growing use of GLP-1 medications. Pearl sees enormous potential in these drugs to improve health and reduce complications over time, but only if prices fall low enough for the long-term savings to justify the near-term expense. That tension becomes clearer in the discussion of Medicare's new GLP-1 pilot program for weight loss. Under the “bridge program,” eligible Medicare enrollees will be able to obtain GLP-1 medications for $50 a month, far below current retail prices. Pearl calls the program an important experiment, but also notes its limitations: coverage is not automatic, eligibility is restricted, administrative hurdles remain and the pilot may end after 18 months. If patients lose access and regain weight, the program could fail despite the promise of the medication. The episode then moves into several unusual and important stories, including new research into the origins of life, the medical risks of cannibalism, the promise and limitations of wearable health data, a large cyclosporiasis outbreak, rising e-bike injuries among children and adolescents, a new cholesterol-lowering pill, CDC leadership and measles. Here are the major storylines from episode 109: Researchers studying the origin of life made progress by taking a counterintuitive approach: building a synthetic cell from simple inorganic materials rather than stripping existing life forms down to their minimum parts. “Spud cell” research could eventually help scientists understand which genes are essential and create engineered cells capable of producing new medical treatments. A new study suggests cannibalism may have disappeared in part because of medical consequences, including infections and prion diseases that harmed tribes practicing it. Wearable devices are generating valuable health data, but most doctors lack the time, reimbursement and regulatory pathways needed to integrate that information into clinical care. A large cyclosporiasis outbreak has raised concerns about foodborne illness surveillance, produce safety and the difficulty of identifying contamination sources when symptoms appear one to two weeks after exposure. E-bike injuries are rising, especially among children and adolescents, with head, face and neck injuries posing particular concern. The FDA has approved a new pill that can lower LDL cholesterol to very low levels, though Pearl emphasizes that most average-risk patients should still rely on low-cost generic statins. The nomination hearing for Dr. Erica Schwartz as CDC director highlighted the continuing tension between science and politics, especially around vaccines, RFK Jr. and public trust in federal health agencies. Measles cases continue to rise, with nearly all occurring among unvaccinated people and with serious risks for those whose immunity has waned. Generative AI may reduce costs and accelerate parts of drug development, but no AI-generated medication has yet obtained FDA approval. The episode closes with a broader reflection on Season 11 of Fixing Healthcare. Pearl notes that the concerns raised by guests with large public followings are often different from the priorities emphasized by clinicians and national medical societies. Most Americans are not asking for unreasonable things. They want healthcare that is easier to access, affordable for their families and personalized to their circumstances. That gap, Pearl argues, may change how patients use technology. Large language models such as ChatGPT, Claude and Gemini are available 24/7, provide information at no additional cost and become more personalized as patients share more details. While many doctors worry that hospitals or insurers will replace them with AI, Pearl sees a different threat emerging: patients at home, frustrated by delays, high costs and feeling unheard, turning to generative AI because the healthcare system has not met their needs. Tune in to hear the full discussion and subscribe to Medicine: The Truth for more fact-based analysis of the medical, scientific and policy stories shaping American healthcare. * * * Dr. Robert Pearl is the author of “ChatGPT, MD: How AI-Empowered Patients & Doctors Can Take Back Control of American Medicine” about the impact of AI on the future of medicine. Fixing Healthcare is a co-production of Dr. Robert Pearl and Jeremy Corr. Subscribe to the show via Apple, Spotify or wherever you find podcasts. Join the conversation or suggest a guest by following the show on X and LinkedIn. The post MTT #109: Healthcare affordability, GLP-1s and the patient revolt ahead appeared first on Fixing Healthcare.

Solicitor Cora Sherlock breaks down the ongoing legal aid crisis, where Justice Minister Jim O'Callaghan's new single-fee structure for criminal legal aid has triggered solicitor strikes, leaving defendants without representation and causing court backlogs to spiral. She also explains how the Personal Injuries Assessment Board works, tracing its origins from a 2003 Act designed to […] L'articolo A Question of Law – Legal Aid Strikes and Insurance Premiums – Cora Sherlock, Solicitor proviene da Radio Maria.

"Bitcoin secures over a trillion dollars in value. It has no security team." Luke de Wolf is a cybersecurity professional and author of Defending Bitcoin. Luke spent his career defending critical infrastructure, the control systems behind power grids and gas pipelines. His claim: Bitcoin is the world's first decentralized critical infrastructure, and it should be defended with the same risk-management frameworks that protect the physical world. A trillion-dollar network with no security team. And Luke is a former BIP-110 skeptic who flipped to supporting it making him a moderate who pisses off both sides. We get into the CIA triad and why availability is the whole game, people as the weakest link and the Stuxnet lesson, the real cost of running a node over time, spam as a DDoS and the hidden tax on Bitcoin, the two CVEs behind inscriptions, and the full BIP-110 fight. We discuss why he flipped, the game theory of activation, soft fork vs hard fork, the intolerant minority, and whether BIP-110 even has a failed state. This is the defender's case for Bitcoin, and the fight is happening right now. Subscribe so you never miss an episode.

Welcome back to a special encore presentation of Turn on the Lights! As we continue our transition series, our new host, Dr. Philip, has selected one of our most impactful and widely listened-to conversations from the archives to revisit. He introduces this timely discussion with Chris Van Gorder, which explores how cost shifting, regulatory mandates, and Medicare Advantage risk transfer are pushing healthcare toward structural unaffordability. Summary: Leading a major health system today means juggling patient-first ethics with a financing model that keeps tightening the screws. In this episode, Chris Van Gorder, President and Chief Executive Officer of Scripps Health, explains why health care is becoming structurally unaffordable amid soaring premiums, uncompensated emergency care, and rising input costs. He describes how hospitals have become the default safety net as county systems disappear, while underpayment by Medicare and Medicaid forces cost shifting onto employers and commercially insured patients. Van Gorder also highlights California's seismic rebuilding mandates, which create massive capital pressure without matching reimbursement. He critiques managed care, value-based care, and Medicare Advantage for pushing risk onto providers through prior authorization and denials, recounting Scripps' difficult decision to exit several Medicare Advantage contracts after heavy losses and the downstream impact on patients. Tune in and learn how payment design, intermediaries, and regulation shape what hospitals can sustain and what patients can access. About Chris Van Gorder: Chris Van Gorder, MPA, FACHE, is the President and Chief Executive Officer of Scripps Health in San Diego, where he has led the organization since 2000 after serving as its Chief of Healthcare Operations and COO. A veteran healthcare executive with decades of experience across California hospital systems, he previously held CEO and senior leadership roles at Long Beach Memorial Medical Center, Anaheim Memorial Medical Center, and Little Company of Mary Hospital. Beyond health system leadership, he has served on multiple boards, including Prolacta Bioscience and previously Abiomed and Z-Medica, and he has been active in national and civic service as a commissioner for the U.S. National Commission for UNESCO. He also brings an uncommon public-safety background, including reserve service with the San Diego Sheriff's Department and long-running involvement with California's Emergency Medical Services Authority, earning a Distinguished Service Medal. An educator and author, he teaches at USC and wrote The Front-Line Leader (2014). Things You'll Learn: Healthcare executives are dealing with an unprecedented volume of simultaneous operational, financial, and workforce demands, raising the stakes of everyday decisions.  Affordability isn't just a household problem; it's a system design problem that forces hospitals to cover the growing cost of unpaid care.  Cost shifting is not a theory; it is the mechanism that pushes public underpayment onto commercial premiums.  Regulatory and capital mandates can dramatically raise costs without generating new revenue, especially in California.  Medicare Advantage often adds friction through narrow networks, prior authorization, and payment disputes, while shifting risk downhill. Walking away from bad contracts can stabilize a system financially, but it creates real disruption for patients and exposes policy gaps in switching coverage. Resources: Connect with and follow Chris Van Gorder on LinkedIn. Follow Scripps Health on LinkedIn and explore their website! Learn more about your ad choices. Visit megaphone.fm/adchoices

Ryan, Dana, and Read Shepherd discuss the dramatic decline in Florida property insurance claims and lawsuits in 2025, and listen to Talkback messages from listeners sharing their own insurance experiences.

Ryan, Dana, and Read Shepherd discuss the dramatic decline in Florida property insurance claims and lawsuits in 2025, and listen to Talkback messages from listeners sharing their own insurance experiences.See omnystudio.com/listener for privacy information.

"Most of the money problems we talk about with Bitcoin — they're not money problems. They're time problems." Scott Dedels — founder of Block Rewards and author of The Age of Time — says the clock is a technology. It was invented about 600 years ago, and somewhere along the way we forgot it was ever invented at all. His claim: the problem of time is upstream of the problem of money. Fiat was downstream of a civilization that had already agreed to be ruled by a machine that only moves forward, in the direction of consumption. We went from asking what is time to only ever asking what time is it. We get into the Prague Orloj and the birth of mechanical time, the 1944 essay that turned time into a commodity, Saturn as civilization's invisible operating system, why we stopped building 300-year cathedrals, AI and the information hyperstream — and Bitcoin as a ten-minute heartbeat no one controls. Subscribe so you never miss an episode.

(July 16, 2026) California employer health premiums will cost as much as a new car in 2027. AI knows what you did online and so does your employer. Sleeping robotaxi riders are triggering 911 calls and straining first responders. Several streets in West Hollywood were flooded with rushing water following a water main break overnight.See omnystudio.com/listener for privacy information.

Colorado continues to have some of the highest homeowners insurance in the country. Today, business reporter Tamara Chuang talks about why that is, the sharp increases in the past five years and how homeowners are coping. https://coloradosun.com/2026/07/10/wildfires-insurance-homeowners-regulations/ See omnystudio.com/listener for privacy information.

Marco Rosso, global head of sustainability and corporate affairs at Syngenta Biologicals and Seed Care, talks with Ian Welsh about the shifting economics of farming. They discuss the psychology putting young people off agricultural careers and why sustainability has to deliver a real return on investment for farmers to adopt it. Plus: lab-grown cocoa as a hedge against cocoa price volatility; US coffee prices double on tariffs and Red Sea disruption; China's largest US soybean purchase since 2025; and, European Commission cuts sustainability reporting requirements by 60%, in the news digest. Host: Ian Welsh

"21 million isn't a promise. It's a rule — and rules only hold if your node enforces them." Bitcoin Mechanic — of mining pool OCEAN — says Bitcoin is in a civil war, and most holders don't even know it's happening. The fight isn't over price. It's over who's actually in charge: Core or Knots, miners or developers — or the nodes that quietly outvote them all. We get into the Eye of Sauron turning toward Bitcoin, why 21 million is a rule and not a law of nature, what running Knots actually does, and the battle for the soul of Bitcoin. Subscribe so you never miss an episode.

Bank On It, financial insights you can count on with Jason Shields, the COO of Gulf Coast Bank & Trust

LISTEN and SUBSCRIBE on:Apple Podcasts: https://podcasts.apple.com/us/podcast/watchdog-on-wall-street-with-chris-markowski/id570687608 Spotify: https://open.spotify.com/show/2PtgPvJvqc2gkpGIkNMR5i WATCH and SUBSCRIBE on:https://www.youtube.com/@WatchdogOnWallstreet/featured  Chris examines proposed double-digit Obamacare premium increases for 2027, arguing that rising healthcare costs, shrinking insurer risk pools, and physician shortages point to deeper structural problems. He questions why costs continue climbing despite advances in technology and warns that healthcare could become a major issue in the upcoming midterm elections.

Thank you so much for listening to the Bob Harden Show, celebrating nearly 15 years broadcasting on the internet. On Thursday's show, we visit with the Co-Founder and CEO of the Florida Citizens Alliance Keith Flaugh about a federal Appeals Court decision to overturn Florida's 2022 Stop Woke Act, and we discuss the candidate Forum on Saturday for Congressional District 22. Cato Institute Director of Health Policy Studies Michael Cannon and I discuss the reduction in enrollment in and the escalation of Obamacare premiums. CEI Senior Economist Ryan Young and I discuss inflation, employment, trade, and the Fed. We also visit with Substack columnist Patrick Carroll about rent controls and “rent strikes.” We have terrific a terrific guest for Friday's show, author and Professor Andrew Joppa. Access this and past shows at your convenience on my web site, social media platforms or podcast platforms.

Obamacare premiums jumped this year…and a new report says they could increase even more in 2027. What's behind it? Have YOUR premiums been going up? We talk with Walter “Dub” Lane, Associate Professor of Economics & Finance at LSU New Orleans.

* Obamacare premiums jumped this year…and a new report says they could increase even more in 2027. What's behind it? Have YOUR premiums been going up? * Are city-owned trees putting some New Orleanians at risk of losing their homeowners insurance? We'll get the details

* Healthcare premiums keep going up. Why? * We're learning more about GLP-1 weight loss drugs. Here's what to know * What makes New Orleans unique? How do we avoid losing that? * Fewer forecasters & inferior info: NWS cuts are hurting hurricane forecasts * Are city-owned trees putting some at risk of losing their insurance? * All this rain means lots of breeding spots for mosquitoes. Here's what to do

A new report finds much higher premiums on the horizon for Affordable Care Act customers. The AP's Jennifer King has more.

"Mining isn't just how Bitcoin gets made — it's a decentralized money printer." Kent Halliburton — CEO and co-founder of Sazmining — makes a claim that should bother everyone who only buys their Bitcoin: mining isn't just how Bitcoin gets made, it's a decentralized money printer anyone can run. He calls it hash punk. We get into why you get better Bitcoin when you mine it, his arc from solar to hosted mining, and the bigger thesis — Bitcoin isn't one zero-to-one innovation, it's two. This is Bitcoin against the machine. Subscribe so you never miss an episode.

Join Impact as a Member --> DianeKazer.com/IMPACT Join Impact as an Independent Business Owner --> DianeKazer.com/IMPACTTEAM Join Impact for Your Business --> DianeKazer.com/IMPACTBIZ Join Our Elite VIP Tribe --> DianeKazer.com/VIP All Yeptide Resources ->DianeKazer.com/YEPTIDES Apply to Become a 1-on-1 Patient --> DianeKazer.com/PATIENT Can we all agree on one thing? Our healthcare system isn't exactly... health care.

In this episode, Michael Blank sits down with Nicolas Lares, founder and CEO of Insur3Tech, to tackle one of the biggest challenges facing real estate investors today: skyrocketing insurance costs. Nicolas shares how his experience building innovative insurance solutions for Amazon's logistics network led him to create a group captive insurance model that gives real estate investors—from single-family landlords to large multifamily operators—more control over one of their fastest-growing expenses. They discuss why insurance premiums continue to rise, how captive insurance works, and why this alternative model can reduce costs, improve coverage, and even generate profit distributions for policyholders. If you're looking for practical ways to protect your portfolio and improve cash flow, this episode offers a fresh perspective on an often-overlooked wealth-building strategy.Key TakeawaysTraditional Insurance Is Becoming a Major Threat to Cash FlowRising premiums, reduced coverage, and increasing claims costs are making insurance one of the biggest challenges for real estate investors today.Captive Insurance Gives Investors More ControlBy joining a group captive, investors become part owners of the insurance company, allowing them to potentially lower costs while sharing in the company's profits.Smaller Investors Can Now Access a Strategy Once Reserved for InstitutionsGroup captives make it possible for investors with just a few rental properties to benefit from a model that was traditionally only available to large portfolio owners.Lower Claims Lead to Lower Long-Term CostsCaptive insurance aligns incentives by rewarding responsible owners who actively manage risk instead of encouraging unnecessary claims.Strong Underwriting Protects the Entire GroupCareful member selection, property inspections, and ongoing risk management help create a healthier insurance pool and more predictable results.Creative Solutions Can Strengthen Your Investing BusinessExploring alternatives like captive insurance can help investors protect NOI, improve long-term profitability, and build more resilient real estate portfolios.Connect with our Deal Maker PartnersCheck out all Partners hereAttorney - Swafford Law LLC Mentor - Deal Maker MentoringResourcesConnect with Michael BlankTheFreedomPodcast.com Join the Deal Maker MastermindExplore Michael's Mentoring ProgramReview the Podcast on Apple PodcastsGet the Syndicated Deal AnalyzerGet the Book, Financial Freedom with Real Estate Investing by Michael Blank For full episode show notes visit: https://themichaelblank.com/podcasts/session530/

"Paper is where Bitcoin goes to die." James Caruso — co-founder and VP of Stamp Seed — joins the show with one of the most unlikely origin stories in Bitcoin: how a 70-year-old metal-stamping company stumbled into Bitcoin through its own search data, and became one of the most trusted cold-storage backups in the space. We get into why paper — and the gel pen you wrote your seed words with — is the weakest link in your stack, why titanium, what's actually in the box, and James's arc from get-rich-quick Robinhood trader to "it could drop 40% and I'm just buying more" conviction. Then the cold-storage deep end: single-sig versus multisig, planning for your heirs, and the most creative hiding spot we've ever heard — a seed plate disguised as a rock, sunk in a backyard pond. No batteries. No firmware. No third-party trust. Just a titanium-sized post-it. Subscribe so you never miss an episode.

"Bitcoin is a rights-protection entity." Tomer Strolight returns for his ninth visit — and reads four of his own essays start to finish, with conversation in between: Bitcoin Is More, Living With AI, AI Built to Survive, and This Is Not the End. We discuss why Bitcoin isn't a price but a superstate no government on earth can reach — even as Iran floats a Bitcoin toll in the middle of a war — why self-custody is the whole point, and how inflation's slow squeeze is finally being felt by everyone. Then it turns: three short stories about living with AI, and what we surrender when we let a machine do our thinking for us. No host intro, no warm-up. We open cold, on Tomer's voice. Subscribe so you never miss an episode.

Glue Store just became the latest fashion victim to permanently close its doors after the stores were losing too much money for its owner Australia's biggest insurers have warned home insurance premiums will rise by double digits every year for the foreseeable future BMW has suffered a 6% fall in share price after it hit the brakes on its own profit outlook _ Want to lean how to go from a Saver to Investor in just 7 days - watch our new series here Complete the Budget survey for your chance to win 3 x $100 gift cards - takes only 2 mins Download the free app (App Store): http://bit.ly/FluxAppStore Download the free app (Google Play): http://bit.ly/FluxappGooglePlay Daily newsletter: https://bit.ly/fluxnewsletter Flux on Instagram: http://bit.ly/fluxinsta Flux on TikTok: https://www.tiktok.com/@flux.finance —- The content in this podcast reflects the views and opinions of the hosts, and is intended for personal and not commercial use. We do not represent or endorse the accuracy or reliability of any opinion, statement or other information provided or distributed in these episodes. ____ Important Information: This material has been created with the co-operation of BlackRock Investment Management (Australia) Limited (BIMAL) ABN 13 006 165 975, AFSL 230 523 on 19 May. Comments made by BIMAL employees here represent BIMAL’s views only. This material provides general advice only and does not take into account your individual objectives, financial situation, needs or circumstances. Before making any investment decision, you should obtain financial advice tailored to you having regard to your individual objectives, financial situation, needs and circumstances. Refer to BIMAL’s Financial Services Guide on its website for more information. This material is not a financial product recommendation or an offer or solicitation with respect to the purchase or sale of any financial product in any jurisdiction. See omnystudio.com/listener for privacy information.

"Bitcoin is not physical gold. You can kill Bitcoin." Matthew Kratter — who runs Bitcoin University, did a PhD in literature under René Girard, and ran global macro at Peter Thiel's hedge fund — joins the show to explain why he now holds nearly everything he owns in Bitcoin, and why he's become one of the loudest voices warning that Bitcoin is under attack from the inside. We trace the improbable path first: from Girard's seminar table to growing Thiel's $50M Roth into a $2 billion fund, and the 20 years trading that taught him to spot financial engineering "traps" — the same TradFi tricks he says are now being smuggled back into Bitcoin. Then it turns to the civil war happening right now: how Bitcoin Core blew open OP_RETURN and "went rogue," why spam and CSAM are an existential risk to node runners, what BIP-110 actually does, and who really controls the network (hint: not the miners, devs, or exchanges). His thesis throughout — consensus flows from culture — and his answer to all of it: stop being a spectator, run a node, and mine from home. Subscribe so you never miss an episode.

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"Rehypothecation is cryptographically impossible." Martin Matejka joins the show to break down the rise of Bitcoin-native lending, Firefish's 3-of-3 multisig + DLC architecture, and why the February 6 stress test was the day Bitcoin-backed credit grew up. We discuss why rehypothecation can be engineered out rather than promised away, how Firefish thinks about LTV, margin-call cadence, and the three warnings before liquidation, and why $160 million in non-custodial loans across 27,000 users in 70 countries is the proof a Bitcoin-native lender can scale. Subscribe so you never miss an episode.

America Out Loud PULSE with Dr. Angelina Farella – Whether you're working for a company, running your own business, raising a family, or planning for retirement, healthcare costs seem to touch every part of our lives. Premiums continue to rise, deductibles are often higher than we'd like, and many people wonder whether they can truly afford the care they need...

Matt Cole spent fifteen years at CalPERS — the largest public pension fund in the U.S. — running more than $70 billion in global fixed income, where his portfolios reportedly never underperformed their benchmark in a single year. Today he's Chairman & CEO of Strive (Nasdaq: ASST), the first publicly traded asset-management Bitcoin treasury company — and the man who just made a security pay a dividend every single business day, the first time that's ever happened in U.S. market history. This is the structured-finance mind behind "digital credit" — the idea that you can split a perpetual Bitcoin position into two instruments: a low-volatility, yield-bearing preferred (SATA, now paying daily) and the amplified Bitcoin common stock underneath it. Matt explains why he calls digital credit the biggest story in Bitcoin, how a zero-debt balance sheet survives Bitcoin going "to one penny tomorrow," and why he's laser-focused on a thirty-year digital gold rush. If you've ever wondered what happens when a Wall Street fixed-income operator goes all-in on Bitcoin — this is it. We discuss: The first security in U.S. market history to pay a dividend every business day — and why "the dividend event is no longer an event" Digital credit as the biggest story in Bitcoin — attacking a $300 trillion TAM, where 1% is larger than Bitcoin's entire market cap today Zero debt and 18 months of dividend reserves — why "Bitcoin could go to one penny tomorrow and we don't blow up" Why Michael Saylor called Strive's SATA the most interesting story in Bitcoin right now "Bitcoin is hope" — the line that closes the show Subscribe so you never miss an episode.

Matt Hougan is the Chief Investment Officer at Bitwise Asset Management — one of eleven spot Bitcoin ETF issuers, managing over $10 billion. When family offices, RIAs, and pension consultants size their Bitcoin allocation, his is the analysis they read. This is the institutional case for Bitcoin in plain language: Bitcoin as two investments at once (digital gold plus a call option on becoming the world's apolitical currency), the math behind his $1.4 million by 2035 call, and why he thinks Bitcoin is about to repeat the supply shock that just took gold parabolic. If you've been trying to explain Bitcoin to the most sophisticated person in your life — send them this. We discuss: Bitcoin as two investments in one — store of value + call option on currency status The kinetic vs. monetary chaos lenses, and why both push Bitcoin up Why Harvard's endowment quietly went BTC + gold as their two largest 13F positions The $36 billion first-year ETF launch — 6× the previous all-time record Why Matt's personal price target is $1.4 million by 2035 The gold supply shock parallel — and why Matt thinks Bitcoin is next Quantum computing — manageable upgrade problem or existential threat? Three ways to pitch Bitcoin to three different kinds of institutional allocator Why generational change is the biggest underrated catalyst in the space Subscribe so you never miss an episode.

Affordable Care Act premiums are higher this year, after Congress declined to renew subsidies for the health insurance program. As a result, about a million fewer Americans enrolled for 2026 and even more are slated to drop by the year's end. In this episode, why falling enrollment will raise premiums further. Plus: Bond yields hit record highs around the globe, businesses start to see tariff refunds ahead of schedule, and utility rates are about to get worse.Every story has an economic angle. Want some in your inbox? Subscribe to our daily or weekly newsletter.Marketplace is more than a radio show. Check out our original reporting and financial literacy content at marketplace.org — and consider making an investment in our future.

Affordable Care Act premiums are higher this year, after Congress declined to renew subsidies for the health insurance program. As a result, about a million fewer Americans enrolled for 2026 and even more are slated to drop by the year's end. In this episode, why falling enrollment will raise premiums further. Plus: Bond yields hit record highs around the globe, businesses start to see tariff refunds ahead of schedule, and utility rates are about to get worse.Every story has an economic angle. Want some in your inbox? Subscribe to our daily or weekly newsletter.Marketplace is more than a radio show. Check out our original reporting and financial literacy content at marketplace.org — and consider making an investment in our future.

6. International Diplomacy and Maritime Chokepoints Guest: Emily Wang Emily Wang examines the difficulties of securing maritime chokepoints like the Strait of Hormuz, suggesting that private insurance premiums could be a more effective tool for regional stability than traditional diplomatic negotiations. 61900 DOWNTOWN LA SPRIGN STREET