Podcasts about qbe

What if your treasury function could run smarter, not harder?David Mazzola, Head of Treasury at Norstella shows how a systems-first mindset turned chaotic spreadsheets into scalable, global treasury operations - and how you can do the same.David Mazzola is the Head of Treasury at Norstella, a global pharma intelligence solutions provider.Known for being “tech-obsessed,” David has led treasury transformations across insurance, tech, and pharma by embedding systems thinking into every function he touches.In this episode, David shares how a deep interest in technology shaped his unconventional path into treasury and helped him drive transformation at companies like QBE, Spotify, and now Norstella.You'll hear how he implemented treasury management systems across global teams, why many organizations fail at tech adoption, and how automation tools like RPA can radically reduce manual workloads.If you're a treasury professional looking to modernize your function - or just want to understand how to lead with systems thinking - this episode is packed with practical strategies and real-world lessons.What We Cover in This Episode:How David transitioned from banking operations into corporate treasuryEarly lessons from building treasury systems from scratch at QBEWhy many treasury functions fail at tech adoption - and how to avoid itImplementing KYRIBA across global regions and its organizational impactWhat David learned by contrasting organic treasury builds (like Spotify) with post-M&A integrations (like Norstella)How robotic process automation (RPA) helped slash 20 hours of work into 45 minutesBalancing urgency with control when building treasury infrastructure fastWhy treasury leaders must keep their eyes on liquidity, risk, and future scalingDavid's take on the future of treasury - from AI to blockchain to better B2B payment flowsYou can connect with David Mazzola on LinkedIn.---

The ASX 200 opened firm, slipped then rallied off lows as US futures stayed positive. We closed down only 4 points to 9022. Banks made a comeback, NAB up 1.0% with WBC up 1.5% and the Big Bank Basket up to $309.01 (0.3%). Financials elsewhere were smacked down on private equity fears, AI concerns and bears playing havoc post results. MQG dropped 3.6% on PE concerns, RPL rallied hard on better results, up 4.8% and NGI came under extreme pressure down 5.4%. MAF continued lower. ZIP fell another 6.4%. Insurers also fell, QBE off 1.6%. REITs too under pressure, GMG down 2.6% and SCG falling 1.1%. Industrials were mixed, WES down 1.8% and REA off 3.9% with tech under extreme pressure again, WTC fell 3.7% and XRO down 4.6% with the All-Tech Index down another 3.1%. Retail under pressure too, SUL off 2.5% and PMV falling 1.9%.Resources were generally firm. BHP hit record highs, up 1.4% with RIO slipping 1.1% on some broker downgrades, FMG up 1.1%. Golds firmed then slid slightly as bullion prices came off the boil, NST up 1.6% and EVN up 0.8%. Lithium stocks went nuts, PLS up 8.0% and LTR rising 8.7%. Oil and gas stocks rose, WDS results cheered, STO up 0.4% and uranium stocks mixed.In corporate news, MND pushed 5.9% higher on better than expected results, WDS managed a small rise after 24% drop in profits. NEC rallied 0.5% on numbers, VEA rose 8.1% after a stronger number. ARB had a shocker, falling 13.1% after a 17% drop in profits. KLS had a good day, up 7.8%, after announcing the sale of its tourism business.On the economic front, Australian consumer confidence rose 3.1 points last week to 80.2.Asian markets came back online with  Japan up 0.9%. China up 1.3% and HK falling 1.9% US Futures slightly firmer. Nasdaq up 120 - S&P 500 up 22.—Marcus Today – Daily Market InsightsMarcus Today provides clear, practical commentary for self-directed investors – covering markets, portfolios, education, and decision-making without the noise.If you'd like to go further:Start a free 14-day trial of Marcus Today http://bit.ly/mt-trial-podcastJoin Marcus Today Use code MTPODCAST for 10% off http://bit.ly/mt-join-podcast-offerMT20 – Managed ETF Portfolio A professionally managed portfolio run by Marcus Padley and the team, using ASX-listed ETFs with active market timing. http://bit.ly/mt20-podcastPrinciples – How We Think About Investing A short video series on timing, behaviour, and decision-making. No stock tips. http://bit.ly/mt-principles-podcast—Disclaimer This podcast is general information only and does not consider your personal circumstances. It is not personal financial advice.

This is the Fear and Greed Afternoon Report - everything you need to know about what happened in the markets, economy and world of business today, in just a few minutes. ASX flat CharlesIII: “law must take its course” Taylor on energy Guzman tumbles QBE surges Join our free daily newsletter here.Find out more: https://fearandgreed.com.au/See omnystudio.com/listener for privacy information.

This is the Fear and Greed Afternoon Report - everything you need to know about what happened in the markets, economy and world of business today, in just a few minutes. ASX flat CharlesIII: “law must take its course” Taylor on energy Guzman tumbles QBE surges Join our free daily newsletter here.Support the show: http://fearandgreed.com.au/See omnystudio.com/listener for privacy information.

The ASX 200 lost 5 points to 9081 for its first down day this week. No Freaky Friday drop! For the week, the index is up 1.8%. Banks leading the way again, the Big Bank Basket up to $311.23 (+0.9%). MQG fell 1.6% with other financials slipping again, ZIP eased 3.8% after an early rally. Insurers though firmed on a better set of numbers from QBE, up 7.1% and SUN up 1.8%.  REITs were slightly firmer, industrials slipped lower, ALL down 4.6%, WOW and COL slid, TLS off 0.6% and REA dropping 0.6%. Retail also fell led by JBH off 1.2% and GYG crashing 13.9% on results and US update. Healthcare eased back, CSL off 0.6% and COH continuing lower. PME dropped 2.1% and RMD fell 0.6%. Tech was once again back on the noise, WTC off 3.8% and XRO falling 3.7% with the All-Tech Index off %.Resources were mixed, RIO fell 3.1% on results whilst BHP held firm. Gold miners were mixed with results falling, NEM down 4.9% on numbers, GMD off 3.1% on its numbers. Lithium stocks fell, PLS down 4.6% on results, and LTR off 6.4% with results from MIN failing 5.3% to help sentiment. In the oil and gas space STO dropped 0.9% and uranium stocks were ok, PDN up 5.4% on Canadian approvals.In corporate news, ING dropped as it cut its poultry forecast. NEM off 4.9% on its results, ASB awarded a $4bn contract from the ADF and TLX jumped 14.5% as it guided higher revenues.On the economic front, nothing today, in the US, we may get the tariff ruling and we have Core PCE.In Asia, HK back from holidays, down 0.6% and Japan down 1.3%.US Futures up. DJ up 62 Nasdaq up 42—Marcus Today – Daily Market InsightsMarcus Today provides clear, practical commentary for self-directed investors – covering markets, portfolios, education, and decision-making without the noise.If you'd like to go further:Start a free 14-day trial of Marcus Today http://bit.ly/mt-trial-podcastJoin Marcus Today Use code MTPODCAST for 10% off http://bit.ly/mt-join-podcast-offerMT20 – Managed ETF Portfolio A professionally managed portfolio run by Marcus Padley and the team, using ASX-listed ETFs with active market timing. http://bit.ly/mt20-podcastPrinciples – How We Think About Investing A short video series on timing, behaviour, and decision-making. No stock tips. http://bit.ly/mt-principles-podcast—Disclaimer This podcast is general information only and does not consider your personal circumstances. It is not personal financial advice.

The ASX 200 missed it by this much. Closed up 29 points to close at 9044 (0.3%). Banks were once again the stars of the show as the ANZ result kicked it higher, up 8.5% with the Big Bank Basket up to $306.63 (+4.8%) a new record close. Other financials were sold down hard as AMP results bombed with investors, the stock falling 26.7%, ZIP dipped 5.8% and CGF fell 6.0%. Insurers also under pressure again, QBE down 2.0% and MPL falling 2.2%. Industrials also fell in a heap, are we really at record highs? ALL down 3.9% and JBH losing another 1.0% with REITs under pressure again, GMG down 1.7% and SCG off 5.3%. ‘Old Skool' platforms, again in the doghouse, REA down 3.3% and CAR hitting a speed bump off 5.3%. Tech stocks were horrible again. It continues to cascade lower, the All-Tech Index down another 6.7% with WTC falling 6.6%, XRO heading that way, down 8.4% and TNE off 6.9%. Healthcare checked into A&E as CSL fell another 6.9% with RMD dropping 2.6% and PME being sold down 23.9% on disappointing numbers.In resources, gold miners mixed, lithium stocks better, PLS up 3.8% and MIN pushing 1.4% higher. BHP and RIO doing well on copper prices, uranium struggling, LOT down 7.2% and PDN up 0.7% on better results.In corporate news, TPW were smashed down 32.6% on disappointing numbers and increased discounting. AMP dropped and ASX fell 1.7% after its better-than-expected revenue, wiped out by expenses. BRG saw record EBITDA and popped 1.7% higher.On the economic front, Michele Bullock got a grilling from one Senator.US futures Dow up 157 points and Nasdaq up 46.—Marcus Today – Daily Market InsightsMarcus Today provides clear, practical commentary for self-directed investors – covering markets, portfolios, education, and decision-making without the noise.If you'd like to go further:Start a free 14-day trial of Marcus Today http://bit.ly/mt-trial-podcastJoin Marcus Today Use code MTPODCAST for 10% off http://bit.ly/mt-join-podcast-offerMT20 – Managed ETF Portfolio A professionally managed portfolio run by Marcus Padley and the team, using ASX-listed ETFs with active market timing. http://bit.ly/mt20-podcastPrinciples – How We Think About Investing A short video series on timing, behaviour, and decision-making. No stock tips. http://bit.ly/mt-principles-podcast—Disclaimer This podcast is general information only and does not consider your personal circumstances. It is not personal financial advice.

Are you still trying to figure out if agentic AI is hype or reality? Alex Taylor, Global Head of Emerging Technology at QBE Ventures, cuts through the noise in this no-nonsense conversation about what's actually working in insurance AI - and what's failing spectacularly.Discover why agentic AI isn't just "fancy RPA," how insurers are running shadow mode tests to prove AI can outperform human underwriters, and why the real barrier isn't technology, it's data strategy. Alex shares jaw-dropping examples from software development (27-hour autonomous coding sprints!) and explains how insurers are moving from chatbot failures to genuine operational transformation.Key insights: the difference between vibe coding and provable AI, why observability matters more than accuracy, Microsoft-Allstate's governance playbook, and the one thing every insurance CIO must do in the next 30 days.If you're responsible for AI strategy, digital transformation, or innovation in insurance, this episode delivers the practical framework you've been missing. No vendor pitches. Just real talk about implementation, regulation, partnerships, and what separates AI winners from the FOMO-driven crowd.Timestamps0:00 - Introduction - Alex Taylor & QBE Ventures1:30 - The shift from 'what's possible' to 'what works' in insurance AI2:15 - Why insurers underinvested in technology (and why it made sense)3:45 - The real problems insurers are trying to solve with emerging tech5:00 - Internal pressures: cost, complexity, and competitive speed6:20 - Customer expectations and the value proposition (spoiler: they don't care about AI)7:30 - What actually changed in the last 12-18 months8:30 - Agentic AI explained: beyond classical generative AI9:45 - The critical difference between agentic AI and RPA11:20 - The operating system experiment: 27 hours of autonomous coding13:00 - Inversion of control: humans as engineering managers14:30 - Build vs buy vs partner: how the calculation has changed16:15 - What the ideal tech stack looks like: people, process, tech, governance17:45 - The regulatory complexity and governance requirements18:30 - Snorkel's AI leaderboards and model certification19:45 - Case study: What didn't work (the chatbot mistake 99% made)21:30 - What actually works: agents as employees, not buttons22:15 - Metrics that matter: measuring AI against human baselines23:30 - Shadow mode testing: running parallel systems for 12 months25:00 - Partnership models: how CVCs accelerate experimentation26:30 - QBE's Lighthouse Program: 3-week proof of value27:45 - Cutting through the hype: what's real vs. overstated28:45 - The one thing to do in the next 30 days: know where your data is30:00 - Closing thoughts and where to follow Alex's content

ASX 200 fell 39 points to 8889 (0.4%) as resources came under pressure again. One day up, one day down.  Silver tumbled 15% in Asian trade and dragged gold lower, miners responded with NST down 4.6% and EVN off 3.2%. The big miners eased back, BHP down 3.9% and RIO down 1.4%. Rare earth companies fell, LYC down 7.9% and lithium depressed too, PLS down 3.7% and IGO off 3.2%. Uranium shares were beaten up as the market took AMD forecast as a sign that power requirement would slow. PDN down 9.0% and LOT in a trading halt for a capital raise. Oil and gas stocks eased as tensions with Iran cooled. STO down 0.7% and BPT with its results off 4.4%.Banks were firm, as CBA wrestled the #1 spot back off BHP, up 1.4%. The Big Bank Basket up to $280.82 (%). Insurers are also in demand, higher rates perhaps, QBE up 2.1% and SUN rising 1.7%. Industrials firmed, WES up 2.1% and a bounce in REA up 2.6% with the tech index showing some signs of stability. WTC still down 2.6% with XRO finding some friends, up 1.6%. The All –Tech Index rose 0.1%. Healthcare better as RMD breathed easy and rose 4.9%.In corporate news, ELD has announced its succession plan, it fell 4.1% on the news. NEU fell 9.8% on FDA news in the US, RPL rose 5.1% as it announced a buyback.Asian markets eased, Japan down 1.1%, China up 1.0% and HK down 1.3%US Futures mixed Nasdaq up 20, Dow down 6810-year yields steady at 4.85%Want to invest with Marcus Today? Our MT20 portfolio is designed for investors seeking exposure to our strategy while we do the hard work for you. If you're looking for personal financial advice, our friends at Clime Investment Management can help. Their team of licensed advisers operates across most states, offering tailored financial planning services.  Why not sign up for a free trial? Gain access to expert insights, research, and analysis to become a better investor.

ASX 200 down 91 points to 8779 (-1.0%) as losses accelerated across Asia. 30-point rally into the close helped somewhat. South Korea was smashed over 4% on AI spending fears and gold and silver fell hard as did oil, as selling spilled over to other assets. Here the banks held up on defensive buying and CBA regained its crown as Number 1. Up 1.4%. The Big Bank Basket higher at $270.11 (0.7%). Other financials under some pressure, MQG falling 0.2% with QBE down 1.0% and SOL falling 2.6%. REITs dipped, GMG down 0.1% and SCG off 1.0%. Healthcare too under pressure, RMD down 1.3% and CSL dropping 2.4%. Tech once again skewered, WTC down 2.7% and TNE falling 0.9%. The All -Tech Index fell 1.2%.Resources bore the brunt of the selling, BHP down 2.3% as copper fell in Asia, RIO off 1.0% and the gold miners under serious pressure, although there were some signs of buying. NST dropped 8.1% and EVN down 5.6% with NEM falling 10.0%. Most arrested declines although failed to bounce. Base metals, copper and lithium stocks also under pressure, LYC down 0.9%, LTR falling 4.0% and MIN dropping 1.5%. Oil and gas stocks under pressure too as crude unravelled on more optimistic Trump tweets on Iran. WDS fell 1.8% and STO down 3.3%. Uranium stocks slid too, as shorts stepped back in.In corporate news, CTD founder and CEO resigned. The stock is still in a trading halt. GNC crashed 14.0% after a guidance update to 30% below consensus on EBITDA. KMD fell 5.2% despite an upbeat sales guidance release.On the economic front, all eyes on the RBA tomorrow. HSBC says it will be the first G10 country to raise rates. Asian markets fell as risk unwound. South Korea fell 4.3% amidst concerns about the sustainability of AI-related spending. US Futures weaker, Nasdaq down 1.3%, Dow down 347. 10-year yields steady at 4.82%.Want to invest with Marcus Today? Our MT20 portfolio is designed for investors seeking exposure to our strategy while we do the hard work for you. If you're looking for personal financial advice, our friends at Clime Investment Management can help. Their team of licensed advisers operates across most states, offering tailored financial planning services.  Why not sign up for a free trial? Gain access to expert insights, research, and analysis to become a better investor.

ASX 200 started strong but wobbled ahead of CPI and ended down 8 points to 8934 (0.1%) after CPI nudged higher. Now a 70% chance of a rate rise next week. Most sector of the market slid, Banks off slightly, ANZ down 0.5% and the Big Bank Basket unchanged at $268.50. MQG dropped 1.1% with insurers also weaker, QBE down 1.2% and ZIP came undone, off 4.0%. REITs also under pressure with GMG off 1.1% and SGP falling 0.9%. Industrials pretty weak across the board, WES down 0.7%, ALL off 2.8% and COL and WOW slipped. Tech was again smashed with WTC off 3.8% and XRO falling again. The All-Tech Index dropped 2.8%. Healthcare also saw sellers, RMD down 2.1% and CSL down 1.2%.It was a different story in resources, BHP up 1.7% again, RIO doing well too and gold miners finding buyers again as bullion pushed above $5200. Silver miners also in demand, uranium glowing red hot, no fall out here with PDN up 5.4% and BMN soaring 17.1%. STO and WDS showed a clean pair of heels as crude rose. STO the standout up 3.0%. In corporate news, AUB fell 4.7% after its acquisition and capital raise. ASX dipped slightly after raising expense guidance, BOE soared 10% after cutting cost guidance.In economic news, inflation picked up to 3.8% in December. Blame the Ashes and the Barmy Army. Every economist is now jumping on the rate hike prediction. 70% chance now next week.Asian markets mixed with Japan down 0.6%, China up 0.7% with Indonesia crashes on MSCI moves, down around 7%.US Futures firm, Nasdaq up 150, Dow unchanged - Gold hits record.10-year yields steady at 4.82%Want to invest with Marcus Today? Our MT20 portfolio is designed for investors seeking exposure to our strategy while we do the hard work for you. If you're looking for personal financial advice, our friends at Clime Investment Management can help. Their team of licensed advisers operates across most states, offering tailored financial planning services.  Why not sign up for a free trial? Gain access to expert insights, research, and analysis to become a better investor.

ASX 200 kicked another 82 points higher to 8942 as BHP roared back into #1 spot on the ASX. Up 2.6% today.  Fair to say resources were a little mixed, gold miners tried hard to suck the same ‘Koolaid' as bullion traders, but failed, with EVN down 0.7% and NEM only up 1.4%. Most other were solid but not spectacular. Lithium and rare earth stocks felt a little pain, LYC down 5.0% and PLS off 2.4%. ILU dropped 4.6% with IPX down 3.8%. Copper stocks fared better as RIO jumped 1.7% and even FMG rose 1.7%. Uranium stocks fell with LOTDB falling the hardest down 7.7%. PDN eased 0.6% lower and BOE dropped 3.7%. WDS and STO pushed ahead on LNG pricing with STO up 2.5% as its first Barossa project cargo left port.Banks were firm, the Big Bank Basket rose to $268.50 (). MQG had a good day in the sun, up 2.3% and insurers did well too, QBE up 1.4% and SUN rising 0.7%. REITs eased back, industrials mixed, WES rose 2.3% and COL and WOW moved higher. BXB fell 1.0% and tech still patchy at best. XRO down 1.4% and WTC up 1.9% with the All-Tech Index up 0.9%.In corporate news, DRO fell 6.5% on a quarterly update, KAR slightly higher after production report, AUB in a trading halt with a $400m placement pending on a UK acquisition. On the economic front, Australian business sentiment rebounded ahead of the Reserve Bank meeting, with confidence advancing to 3 points in December. Asian markets firmed, Japan up 0.6% China up 0.3% and HK up 1.1%. Dow futures down 44, Nasdaq up 142.10-year yields steady at 4.84%.Want to invest with Marcus Today? Our MT20 portfolio is designed for investors seeking exposure to our strategy while we do the hard work for you. If you're looking for personal financial advice, our friends at Clime Investment Management can help. Their team of licensed advisers operates across most states, offering tailored financial planning services.  Why not sign up for a free trial? Gain access to expert insights, research, and analysis to become a better investor.

The ASX 200 limped into the Australia Day weekend rising a modest 11 pts to 8860. Down around 44 points for the week. But what a ride! A reverse of yesterday's moves. Banks eased, CBA down 0.8% and WBC off 0.4%. The Big Bank Basket fell back to $266.78 (-0.6%). Insurers dropped with QBE down 1.8% and SUN off 1.4%. Other financials were mixed, ZIP up 5.2% and XYZ rising 1.0%. GQG drifted 1.0% lower and NWL rallied 4.1% on latest numbers. REITs fell again, SCG down 1.2% and VCX down 1.2% with GMG bucking the trend up 0.9%. Some buyers returned to the tech space as 360 roared 27.4% ahead after posting better than expected numbers. WTC moved 0.3% higher with XRO finding some support, up 3.5%. The All- Tech Index rose 2.2%. Finally, some signs of life. Industrials drifted lower, QAN down 1.5% with RMD falling 2.7% and WOW and COL easing. In resources, BHP rallied 0.7% on copper price rises, RIO lost 1.5% and FMG was unchanged on broker research. Gold miners soared again, gold bullion the catalyst. NST bounced 5.4% with EVN up 5.3% and GGP soaring 7.6%. Rare earths were slightly better and Greenland exposed stocks did well. EUR up 8.9% and ETM rising 18.8%. Uranium stocks held on to gains, PDN down 0.4% and DYL rising 1.7% with LOTDB doing well, up 13.3%. STO continues its Barossa inspired rally, up 1.3%.In corporate news, GYG firmed as Uber Eats will now deliver your burrito. AAI fell 0.8% on results. CSC fell 3.4% on a strike at Mantoverde.Nothing locally on economic news, Japan kept rates unchanged ahead of the snap election.Asian markets mixed, Japan up 2%, China down 0.5% and HK unchanged. Dow futures up 35 Nasdaq futures up 35 - 10-year yields higher at 4.82%.  Want to invest with Marcus Today? Our MT20 portfolio is designed for investors seeking exposure to our strategy while we do the hard work for you. If you're looking for personal financial advice, our friends at Clime Investment Management can help. Their team of licensed advisers operates across most states, offering tailored financial planning services.  Why not sign up for a free trial? Gain access to expert insights, research, and analysis to become a better investor.

ASX 200 kicked off the week with a 42-point rise to 8759 (0.5%) as banks pushed higher. CBA up 0.6% and the Big Bank Basket up to $269.67 (%). Some flight to safety as the US administration moves against Jerome Powell. Insurers slipped on recent weather events, QBE down 1.4% and IAG off 3.6%. REITs were mixed, GMG up 0.4% and VCX slipping 0.7%. Industrials firm, WOW up 0.8% and COL up 2.4% despite price gouging inquiries in the wind. WES rallied 1.4% and TLS up 0.4%. The tech sector was slightly firmer with TNE up 0.9% and the All-Tech Index rose 0.4%. In resources, the big three iron ore miners slipped with BHP down 2.5% and FMG off 1.4% on some downgrades and fears of another Anglo bid from BHP. Gold miners rallied hard as gold hit record highs, NEM up 5.8% and GMD up 2.6%. Lithium also firm, PLS continuing higher, and uranium stocks slightly better. Oil and gas majors better as crude rises. In corporate news, DMP rose 3.1% on a new Australian CEO, RPL rose 4.7% on a trading update. CUV also up 1.4% on a new preclinical study. SUL dropped 5.3% On the economic front, November household spending rose 1%. More than expected.Asian markets firmed, Japan closed for another holiday and US futures down on the Powell news.Want to invest with Marcus Today? Our MT20 portfolio is designed for investors seeking exposure to our strategy while we do the hard work for you. If you're looking for personal financial advice, our friends at Clime Investment Management can help. Their team of licensed advisers operates across most states, offering tailored financial planning services.  Why not sign up for a free trial? Gain access to expert insights, research, and analysis to become a better investor.

Have you ever been told you're too direct, too logical, or even that you “lack empathy” - and wondered what empathy actually means? In this episode of It's a Mindset, I'm joined by Daniel Murray, a leadership speaker, coach and consultant who specialises in helping people unlock performance through curiosity, empathy and emotional intelligence - without losing rigour or results. Daniel brings a fascinating blend of strategic thinking and human understanding to leadership. With a background in mathematics, corporate strategy and executive leadership, he helps leaders develop what he calls the tough skills - the ones that truly shape culture, trust and performance. This conversation genuinely intrigued me. Having been accused at times of not being empathetic, I was deeply curious to unpack what empathy actually is - and what it isn't - especially in high-performance environments. Together, we explore how empathy shows up in leadership, why it's often misunderstood, and how leading with empathy doesn't mean being soft - it means being effective. Key Episode Takeaways: What empathy really is (and the different types of empathy) How to tell if you're actually empathetic - or just well-intentioned Why kindness matters just as much for yourself as it does for others How empathic leadership builds trust, safety and commitment Why understanding others is the foundation of leadership that truly works If you're a leader, coach, parent, or anyone navigating relationships where influence matters, this episode will challenge the way you think about empathy - and invite you to lead with more understanding, clarity and intention. About the Guest: Daniel Murray (BSc, MBA Exec) helps frustrated people leaders unlock the true performance of their people by developing curious and empathic skills to harness the 'tough skills' of leadership. His degree in mathematics and background in corporate strategy provides Daniel with a unique perspective blending strategic thinking with empathy and emotional intelligence in practical and pragmatic ways. His clients rave about his ability to bring humour and fun to the challenges of people leadership and make complex neuroscientific concepts simple and practical to implement. As a professional speaker, trainer, coach and consultant, Daniel is able to help clients harness their most powerful assets, their people, through leadership skills that work. He has worked with clients such as BHP, Lion, ASX, Allianz, Chubb Life Insurance, Tyro Payments, CBA, QBE, Swiss RE, Nova Entertainment, Perpetual, Genpact, The Executive Connection, The CEO Institute, Bulbeck group and Applied Medical. Building a committed team is one of the hardest and most important skill for every leader, Daniel helps his clients become empathic leaders worth following. Show Resources: Connect with Daniel on LinkedIn - HERE Check Out Daniel's Website - HERE Learn More About Daniel's Book, The Empathy Gap - HERE Follow Emma, the Podcast Host on Instagram - HERE Learn More About 1:1 Coaching with Emma - HERE Book a FREE 30-Minute Call with Emma - HERE If you loved this episode, please share it on your Instagram stories and tag @emmalagerlow - it helps the podcast reach more people who need these conversations. Yours in Leading with Empathy, Emma. X.

The ASX 200 jumped 96 points to close at 8796 (1.1%) on a six-week high as Santa seems to have found his plug-in charger. Yesterday was all about the miners, today was all about the banks. CBA rose 2.2% with NAB up 0.9% and the Big Bank Basket back up to $280.18 (1.7%). RBA minutes suggested rate rises and an economy that is doing ok. Maybe too ok. Other financials also did well with MQG up 1.6% and insurers pushing ahead. QBE up 2.0% and SUN up 1.4%. REITs were stars with GMG running hot, up 8.3%, on a $14bn data centre deal, VCX rose 0.8%. Industrials were firm with WES up 1.5% and NCK still feeling loved up 2.8%. ALL rose 1.2% and TAH rallied 1.0% after Macquarie revealed a 5% stake. Tech stocks started to stir at last, WTC up 2.3% and 360 up a modest 2.2%. NXT rose 1.2% and ELS did well up 3.6%.Resources took a bit of a breather despite gold flying, BHP up 1.1% with FMG down 0.4% and the gold miners mixed. NEM up 1.2% and NST fell 0.6%. Lithium stocks remain in favour, LTR up 3.2%. Uranium stocks steady and oil and gas stocks positive, WDS up 1.2% and STO up 0.7% on higher crude prices.In corporate news, SWM unchanged as the merger with SXL was approved. CMM fell 1.8% after agreeing to acquire a project from Tempest Minerals. RHC was 2.9% better, on news to acquire National Capital Private Hospitals in Canberra.On the economic front, RBA Minutes out today. The board has less confidence in its previous assessment that monetary policy is restricting the economy, and that interest rate rises will be considered next year if higher inflation persists. Monthly inflation numbers remain volatile.Asian markets were firm. Japan up 0.3%, China up 0.3% and HK unchanged.US futures – DJ down 49 Nasdaq down 810-year yields eases to 4.76%.Want to invest with Marcus Today? Our MT20 portfolio is designed for investors seeking exposure to our strategy while we do the hard work for you. If you're looking for personal financial advice, our friends at Clime Investment Management can help. Their team of licensed advisers operates across most states, offering tailored financial planning services.  Why not sign up for a free trial? Gain access to expert insights, research, and analysis to become a better investor.

The ASX 200 finished the week on a very firm note up 105 points to 8697(1.2%). Up 0.7% for the week. Across the board gains, with banks surging as CBA rose 2.1% and NAB up 1.8% after its AGM. The Big Bank Basket rose to $272.70 (+1.8%). Other financials also did well, MQG bouncing 2.7% and insurers too better. QBE and SUN up over 1%. REITs bounced, GMG up 0.8% and VCX up 2.4% with healthcare too also doing well, CSL rallying 2.9% with SIG up 1.4%. Industrials better but not flying. Retail saw some shoppers out and about, JBH up 2.7% and MYR up 4.4% with losses in LOV and TPW continuing. Tech remained a sub-optimal place to be, TNE down 1.6% with XRO continuing to fall, down another 0.5% with the All-Tech Index off 0.2%.Resources again was the place to be. Gold miners soared as brokers started to amend forecasts for metal prices higher as 2026 comes into view. NST up 2.9%, GMD up 7.6% and NEM rising 5.7%. BHP and RIO also strong on copper exposure, and uranium stocks gained ground. PDN up 4.8% and DYL rising 4.9%. Lithium stocks were a little depressed.In corporate news, former ANZ CEO is suing the bank for his lost $13.5m bonus. ASB dropped 3% on news that Jim Chalmers will allow Hanwha to increase its stake to near 20%. 4DX jumped 8.8% on an options deal and BMC Minerals debuted.Nothing on the economic front.Asian markets pushed higher, Japan up 1.7% with HK up 1.4% and China up 0.1%. Want to invest with Marcus Today? Our MT20 portfolio is designed for investors seeking exposure to our strategy while we do the hard work for you. If you're looking for personal financial advice, our friends at Clime Investment Management can help. Their team of licensed advisers operates across most states, offering tailored financial planning services.  Why not sign up for a free trial? Gain access to expert insights, research, and analysis to become a better investor.

The ASX 200 wandered around again today, waiting for the Fed, closing down 7 points to 8579 (0.1%). Banks eased back slightly, CBA down 0.5% and the Big Bank Basket fell to $267.79 (0.4%). MQG sliding another 0.7% again with other financials easier. Insurers came back to earth, with QBE down 0.4% and IAG off 1.0%. Industrials were flat, retailers fell, APE down 2.3% and JBH off 2.3% with TPW continuing to slide, off another 3.0%. WES was a bright spot up 0.7%, maybe lithium exposure! Healthcare eased back too, CSL down 0.1% and COH off 2.5%. Tech fell yet again, WTC down 1.9% and XRO sliding further, TNE off another 1.3%. Interest rate sensitive stocks under pressure. QAN down 0.8% and TCL off 1.3%.In resources, iron ore stocks picked up, BHP up 0.5% and FMG up another 0.9%. Gold miners up as RMS announced a $250m buyback. NST up 5.1% and EVN up 4.5%. Silver stocks also having a good run. Oil and gas fell and uranium stocks rose slightly.In corporate news, SBM up 10.9%, it secured a strategic partner and funding for Simberi, DRO popped 16.2% on a LW article. 4DX jumped 6.0% on a new order in the US. GQG unchanged on FUM data.On the economic front, we had Chinese CPI slightly higher than expected.Meanwhile in Asia, Japan down 0.1%, HK down 0.5% and China down 0.8%.10-year yields higher at 4.80%.US Futures – Dow down 4 and Nasdaq down 28.Want to invest with Marcus Today? Our MT20 portfolio is designed for investors seeking exposure to our strategy while we do the hard work for you. If you're looking for personal financial advice, our friends at Clime Investment Management can help. Their team of licensed advisers operates across most states, offering tailored financial planning services.  Why not sign up for a free trial? Gain access to expert insights, research, and analysis to become a better investor.

The ASX 200 fell 39 points to 8586 (0.5%) after the RBA kept rates on hold as forecast. The index was down a similar amount before the 2.30pm announcement. Banks drifted lower, CBA down 0.6% and WBC off 0.6% with insurers staging a modest recovery, QBE up 1.2% and MPL rising 2.7%. MQG dropped another 0.9% with PNI falling 1.1%. REITs mixed, GMG down % with the rest of the sector better. Healthcare eased, CSL down 2.0% and RMD falling 2.3%. Retail stocks fell on the rates news, JBH off 1.9% and APE dropping 2.2% as SUL fell in sympathy with BAP, down 21.3% on another nasty trading update. Telcos slid lower, TLS down 0.6% and TPG with some issues fell 1.6%. Tech once again on the nose, XRO off 0.7% and TNE down 1.6% with 360 falling hard.In resources, iron ore stocks firmed, FMG up 1.7% and RIO flat. Gold miners drifted lower, PRU off 1.5% and NST falling %. Oil and gas stocks eased, uranium mixed, PDN and DYL to the good, LOT down to the bad. Lithium stocks holding, up but rare earths sliding back to earth.In corporate news, LTR dropped 2.3% on a new offtake deal, WAF fell 0.7% on drilling results.On the economic front, the RBA left rates unchanged. The board does not seem to be in a hurry to raise them either.Meanwhile in Asia, Japan up 0.2%, HK down 0.8% and China down 0.1%.10-year yields higher at 4.75%.US Futures – DJ up 9 points and Nasdaq up 10.Want to invest with Marcus Today? Our MT20 portfolio is designed for investors seeking exposure to our strategy while we do the hard work for you. If you're looking for personal financial advice, our friends at Clime Investment Management can help. Their team of licensed advisers operates across most states, offering tailored financial planning services.  Why not sign up for a free trial? Gain access to expert insights, research, and analysis to become a better investor.

The ASX 200 slipped 10 points in quiet trade to 8624 (0.1%). Banks eased slightly with ANZ and NAB down around 0.7%. The Big Bank Basket up to $269.33 (0.3%). Other financials and insurers were firm, QBE up 1.1% and ZIP doing well, up 5.7%. Industrials wafted around, retailers fell with JBH and WES showing modest losses. REITs were slightly better, led by GMG and TLS had a good day as did REA. Technology stocks were mixed, WTC up 0.8% and XRO continuing to fall, off another 0.6%. The All-Tech Index rising 0.1%.In the miners, iron ore majors came under a little pressure, with RIO off 0.9%. Gold miners too were under some pressure as bullion drifted lower, NST down 1.4% and EVN off 2.1%. Lithium stocks were on a roll. PLS up 6.1% and LTR blasting 14.8% ahead on UBS upgrades and short covering. Uranium stocks down, modest losses only. BOE the exception falling 4.5%.In corporate news, NSR got an agreed bid from Brookfield-GIC at 286c. S&P have downgraded their credit outlook for ASX Ltd to “negative” from “stable”. TNE have backed the new CFO following his time with CTD.On the economic front, RBA meeting tomorrow, and almost a shoe-in for no change to rates. The AUD is trading at a 3-month high.Meanwhile in Asia, Japan up 0.5%, HK down 1.0% and China up 0.7%.10-year yields steady at 4.70%.US Futures – DJ up 18 points and Nasdaq up 66.Want to invest with Marcus Today? Our MT20 portfolio is designed for investors seeking exposure to our strategy while we do the hard work for you. If you're looking for personal financial advice, our friends at Clime Investment Management can help. Their team of licensed advisers operates across most states, offering tailored financial planning services.  Why not sign up for a free trial? Gain access to expert insights, research, and analysis to become a better investor.

Hi all, this week we were lucky enough to have two stars from QBE, Steve Talbot (Head of Qnect, Distribution) and Julie Goswami (Head of SME Underwriting, Qnect). In this episode, we deep dived into what Steve and Julie are seeing in the market, from the perspective of one of the major insurers.  We also got an insight into how Steve and Julie landed into insurance, and the differences between the two are vast!  But it did highlight the diversity in quality people that land in our industry. Millsy and I had a great time picking the brains of Steve and Julie, while having a good laugh at the same time. I hope you enjoy this one.

A quieter day as the ASX 200 rose 12 points to close at 8537 (0.1%). Banks were in the doldrums, entering official correction territory as BEN AML issues sunk the sector, CBA dropped 1.2% and NAB off 0.1% with the Big Bank Basket down to $266.70 (0.7%).  Other financials fell, Insurers eased, QBE off 1.5% and IAG falling 1.7%. REITs drifted lower, GMG down 0.7% and VCX off 1.6%. Industrials were a little weaker, WES fell 0.8% with WOW and COL easing back, tech slid, WTC off 1.5% and TNE showing a modest 1.6% gain. The All-Tech Index up 0.8%. Resources were generally positive. BHP rose 1.0% with RIO doing well, up 2.3% and FMG gaining 2.7%. Gold miners enjoying a big jump in AUD bullion, NST up 2.0% and EVN up 3.5% with the uranium sector slightly better and lithium fighting back to square. In corporate news, DRO rose 14.6% on a ‘new' EU order, RHC jumped 12.7% after reported revenue and earnings better than expected. WEB took flight after a 72% jump in TTV and SRG romped 6.4% higher on some new contracts. VAU rose 2.2% as it unwound most of its gold hedges. BEN dropped 7.4% on AML issues.In economic news, ANZ-Roy Morgan Consumer Confidence rose slightly. Highest reading since early September.Asian markets: Japan steady China up 1.3% and HK up 0.6%. European markets set to open higher again.Want to invest with Marcus Today? Our MT20 portfolio is designed for investors seeking exposure to our strategy while we do the hard work for you.If you're looking for personal financial advice, our friends at Clime Investment Management can help. Their team of licensed advisers operates across most states, offering tailored financial planning services.  Why not sign up for a free trial? Gain access to expert insights, research, and analysis to become a better investor.

A solid start to the week with the ASX 200 up 109 points to 8525 (1.3%). Across the board gains, with US futures pointing slightly higher too. Banks were better led by CBA up 1.2% and the Big Bank Basket up to $268.55 (1.1%). Financials were generally firm, even GQG up 0.6% and SOL rising 1.8% as it joined with Genesis to make a bid for MVF at 80c. Insurers rose, QBE up 1.4% and REITs did well, GMG up 2.1% and SGP rallying 2.3%. Industrials in the green, WES up 0.2% and ALL rising 0.5% with TCL up 2.0% and RMD up 2.2% better in healthcare. CSL too had a good day. PME rose 3.5% on new orders in America.  TLS rose1.9 % and REA up 1.9%. Resources were mostly better, BHP up 0.6% with its on/off bid for Anglo, RIO rose 1.1% and FMG up 1.9%. Lithium stocks gave back some recent gains, MIN down 3.2% and PLS down 3.6% with gold miners up, GMD up 1.3% and rare earths also doing better. Oil and gas stocks slid on crude falls, WDS down 1.3% and uranium stocks slightly better.In corporate news, QUB were approached by Macquarie with a 520c NBIO whilst MVF rose 44.3% on a 80c bid. MYX returned to trade after the Treasurer knocked back the Cossette bid. DRO rose 1.8% after some more news on the recent share sales and a new US MD. IRE soared 8.0% before a trading halt concerning continuous disclosure.Asian markets weaker with Japan closed for a holiday, China down 0.6% and HK up 1.4%.European markets set to open higher again.Want to invest with Marcus Today? Our MT20 portfolio is designed for investors seeking exposure to our strategy while we do the hard work for you.If you're looking for personal financial advice, our friends at Clime Investment Management can help. Their team of licensed advisers operates across most states, offering tailored financial planning services.  Why not sign up for a free trial? Gain access to expert insights, research, and analysis to become a better investor.

A nasty start to the day accelerated to a loss of 167 points (-1.9%) on the ASX 200 as RBA minutes and US futures took us down. The big three sectors were hit hard with the iron ore miners smacked. BHP off 3.7% on UK court ruling and RIO off 2.7% with FMG falling 2.0%. Energy stocks also slipped, WDS down 1.9% with STO off 0.6% and uranium stocks under pressure. Gold miners too sold off as bullion slipped, NST down 5.6% and EVN down 5.2% with lithium the only sector that saw any green. PLS up 3.3% and LTR up 2.1%. Banks were also sold down hard, WBC fell 3.0% and CBA down 1.7% with the Big Bank Basket falling to $267.54 (-1.8%). Financials also in the seller's sights, NWL fell 6.2% and MQG off 1.7%. Insurers fell, QBE down 1.4% and REITS under pressure too. GMG off 3.0% as a tech play on data centres. Industrials saw across the board selling, WES fell 1.2% and REA off 2.4% with CAR falling 3.2% as TLS down 0.2%. Tech stocks were decimated after TNE disappointed, off 17.2% despite a special dividend. WTC fell 4.6% and XRO tumbled 3.3% with the All-Tech Index down 4.3%. In corporate news, JHX rallied 9.9% on better-than-expected results, AGM's dominated. BSL fell 1.7% on EBIT to land at the bottom of guidance range. CAT tested a life with a 11.7% fall on a growth rate of 19%. ALQ fell 2.9% on better numbers. PLT was a rare bright spot after a jump in first half profits, up 6.8%. On the economic front, RBA minutes took rate cuts off the table. Australian consumer confidence rose 0.7% too.  Asian markets weaker with Japan down 2.9%, China down 0.3% and HK off 1.6%.European markets set to open weaker.Want to invest with Marcus Today? Our MT20 portfolio is designed for investors seeking exposure to our strategy while we do the hard work for you.If you're looking for personal financial advice, our friends at Clime Investment Management can help. Their team of licensed advisers operates across most states, offering tailored financial planning services.  Why not sign up for a free trial? Gain access to expert insights, research, and analysis to become a better investor.

The ASX 200 closed up 2 points to 8636 in a quiet session ahead of a big week in the US. Good comeback after a near 50 point fall this morning.  Some signs of confidence returning with banks seeing a resumption of the sell CBA, buy the other three switch. The Big Bank Basket fell to $272.47 (-0.4%) as CBA dropped 1.0%. MQG ex-dividend today, down 2.3% with financials slightly firmer, QBE up 0.5% and HUB up 2.7% with NWL gaining. REITs firmed, GMG up 0.5% and CHC up 1.7% with industrials finding their feet, LNW up 3.3% with WTC up 1.2% although XRO fell another 0.1%. Retailers firmed, UNI up 1.7% and PMV up 2.1% with DMP gaining another 5.1%. GYG continue to fall, down 1.8%. Healthcare eased back, RMD under pressure off 2.1%, CSL down 0.8% and SHL slipping 1.5%. Resources were mixed, BHP fell 0.6% on the UK court ruling, RIO and FMG both better on higher iron ore prices in Asia, lithium staged a comeback, PLS up 3.7% and IGO rising 0.9%. LYC also bounced 5.5% with gold miners mixed. No significant damage done. GMD up 2.5% on a broker upgrade. Energy stocks all better, WDS up 0.9% and ALD rising 3.8%. IPX fell 3.0% after a return to trade following a report from Spruce Capital.PME jumped 4.2% on another $44m deal with Advanced Radiology. Some management changes, RHC rose 1.8% on a new CFO, MSB rallied 5.0% on a new CFO too with FPR better on an acquisition. ELD gained 6.3% on better than expected results.Nothing locally on the economic front. RBA board member wrote a column on the RBA mandate. In Japan, GDP came in better than expected.Asian markets weaker with Japan down 0.4%, China down 0.4% and HK off 0.6%.European markets set to open slightly weaker.Want to invest with Marcus Today? Our MT20 portfolio is designed for investors seeking exposure to our strategy while we do the hard work for you.If you're looking for personal financial advice, our friends at Clime Investment Management can help. Their team of licensed advisers operates across most states, offering tailored financial planning services.  Why not sign up for a free trial? Gain access to expert insights, research, and analysis to become a better investor.

Ron Roberts breaks down the AJC/Politically Georgia forum and a new survey of 1,000 likely Democratic primary voters: Keisha Lance Bottoms holds 40%, Michael Thurman 11%, Jeff Duncan 5%, Jason Estevez 3%, Derek Jackson and Rua Roman 1%, with a massive 40% still undecided.Duncan courts skeptics with a $1.4B “Jumpstart Fund,” vows to expand Medicaid, overhaul QBE, and sign a Day One order against Georgia's six-week abortion ban—then stumbles in the lightning round by naming Nathan Deal as his favorite Georgia governor, before redeeming himself with a homelessness-focused book pick.Bottoms touts executive chops—$180M in reserves, 7,000 affordable units, and worker pay boosts—positions herself as results-first over ideological labels, and defends the Public Safety Training Center.Thurman leans on deep state and county experience, early work on CAPS and transitional Medicaid, and a pledge to finally expand Medicaid statewide.With Raffensperger and Carr in the Q&A—and Burt Jones a no-show—Ron connects the dots to a choppy economy and travel turmoil that could shape 2026. The race isn't settled; the stakes are now clear.Tune in to catch the Ron Show weekdays from 4-6pm Eastern time on Georgia NOW! Grab the app or listen online at heargeorgianow.com.#JeffDuncan #KeishaLanceBottoms #JasonEstevez #MichaelThurman #BradRaffensperger #ChrisCarr #DerekJackson #RuaRoman #HearGeorgiaNow #TheRonShow

The ASX 200 fell 17 points to 8824 (0.2%) as CBA stumbled 6.6% lower on trading update.  Every 1% is a 10-point fall. This wiped any thoughts of gains off the table. The Big Bank Basket fell to $284.31 (-3.8%). WBC bucked the trend in the banks, up 1.3%. Financial generally flat, MQG up 0.7% and QBE rising 0.6%. Industrials generally firmer, TCL up 1.0%, WES up 0.6% and WOW and COL slightly firmer. REITs firmed, GMG up 1.5% and SGP rising 1.3%. TLS also had a good day up 1.0%. Tech remained becalmed,.XRO flat and WTC off 0.3%. The All -Tech Index flat. Resources were firm. BHP, RIO and FMG were steady, but gold miners showed strength, NST up 3.2%, NEM up 4.3% and GMD rising 2.8%. Lithium stocks were also very strong, PLS up 7.5% and MIN up 6.0%. Oil and gas better, WDS up 1.6% and uranium stocks steady. In corporate news, CBA was the focus. Comments from Matt Comyn on competition and a reduction in NIM sent the stock down %. SCG rose 0.7% on a trading update. BEN also falling hard on cash earnings of $120,7m down 8.5%.  COL flat on CEO comments at the AGM. EDV announced a new head of Dan Murphy's.Westpac-Melbourne Institute Consumer Sentiment Index surged 12.8% to 103.8 points in the past month. Asian markets easing back slightly. Want to invest with Marcus Today? Our MT20 portfolio is designed for investors seeking exposure to our strategy while we do the hard work for you. If you're looking for personal financial advice, our friends at Clime Investment Management can help. Their team of licensed advisers operates across most states, offering tailored financial planning services.  Why not sign up for a free trial? Gain access to expert insights, research, and analysis to become a better investor.

The ASX 200 managed to cling to small gains today, up 26 points to 8828 (0.3%).NAB fell 3.3% after results saw some profit-taking on low growth, WBC down 1.2% as it went ex-dividend. Insurers were better, with QBE up 1.7% and MPL up 0.8%, while other financials remained sloppy and weak.Industrials generally mixed — TLS up 0.6%, TCL up 0.8%, and ALL rising 1.3%, with WES slipping 1.2% again, and JBH falling 3.1%. Travel stocks also fell, WEB down 2.7% and FLT losing altitude, off 1.4%.One bright spot was LNW, up 8.2% on a better-than-expected quarterly. DMP also gained 4.7% as shorts covered, just in case. Tech was slightly firmer as WTC rallied 0.6% and XRO up 0.5%, with the All-Tech Index up %.Resources firmed — BHP up 1.6% despite iron ore falling again, RIO also doing well. Gold miners were better on a bullion price increase, NST up 2.8% and NEM rising 2.8%. Rare earths were still under some pressure, as was the uranium space, while oil and gas firmed, WDS up 1.6%.In corporate news, ZIP fell 4.2% after its AGM reaffirmed guidance — perhaps the market was looking for another upgrade. JHX tumbled again, down 12.7%, as it went into a trading halt and blamed index rebalancing for the earlier sell-off. TAH dropped 3.0% as Aware Super sold down, and AMC rallied 5.0% on first-quarter results.On the economic front, Balance of Payments data was released today, showing the seasonally adjusted balance on goods increased by $2.827bn in September.Asian markets - HK up 1.6% China up 1.3% and Japan bouncing 1.6% 10-year yields squeezed to 4.36%.US Futures, Nasdaq down 19. Dow up 13. Tesla vote tonight.European markets set for a flat opening.Want to invest with Marcus Today? Our MT20 portfolio is designed for investors seeking exposure to our strategy while we do the hard work for you. If you're looking for personal financial advice, our friends at Clime Investment Management can help. Their team of licensed advisers operates across most states, offering tailored financial planning services.  Why not sign up for a free trial? Gain access to expert insights, research, and analysis to become a better investor.

The ASX 200 dropped another 81 points to 8814 (0.9%) as the RBA kept rates unchanged as expected. Banks and iron ore miners synchronised falls, with the Big Bank Basket down to $295.15 (-0.4%). WBC saw buyers up 1.5% on broker comments post the result. CBA down 0.8%. Insurers and financials slid, MQG down 0.8% and QBE off 0.7%, with SOL continuing to flounder off another 1.7%. REITs under pressure again, GMG off 1.9% and SGP falling 1.1%. Industrials weaker with some exceptions, DMP, LNW and PWH in the green. WES lost another 0.8% with JBH off 1.9% and SUL falling 2.8%. Tech eased back again, XRO down another 1.6% and WTC falling 1.5%.In resources, iron ore miners under pressure with prices off in Asia. BHP down 1.9% and FMG dropping 2.7%. Lithium and rare earths seeing profit taking, LYC down 1.2% and MIN off 2.3%. Gold miners were generally steady. Oil and gas eased, WDS down 0.7%, and uranium stocks fell back to earth.In corporate news, GEM fell 13.0% on an earnings update, LNW to delist from Nasdaq, CCX jumped 8.8% on positive momentum in trade. NVX crashed 10.6% as Stellantis pulled out of its agreement.On the economic front, the RBA left rates unchanged. Capital Economics believes the Reserve Bank will still lower interest rates twice next year, with the first reduction coming in the third quarter.Asian markets mixed, HK up 0.2%, China down 0.4% and Japan down 0.5%. 10-year yields 4.34%. US Futures easing back, Dow off 189 and Nasdaq falling 218.Want to invest with Marcus Today? Our MT20 portfolio is designed for investors seeking exposure to our strategy while we do the hard work for you. If you're looking for personal financial advice, our friends at Clime Investment Management can help. Their team of licensed advisers operates across most states, offering tailored financial planning services.  Why not sign up for a free trial? Gain access to expert insights, research, and analysis to become a better investor.

The ASX 200 started badly down some 40 points but rallied to close up 13 at 8892 (0.2%). Once again it was the banks that led the turnaround with WBC numbers pleasing and the sale of the RAMS Home Loan book also a positive. The bank closed up 2.8% with the Big Bank Basket at $297.33 (+2%). CBA kicked up 2.3% and other financials were mixed. REITs slid with GMG down 0.2% and SGP off 0.8% and insurers also fell, QBE down 1.2%. Industrials ended up mixed, after a sluggish start, WES up 0.3% and REA bouncing 1.1%. Tech stocks did better, WTC up 0.6% and XRO rallying 2.3%. In the healthcare space, RMD fell 4.3% on its results, CSL continued to drag the sector down, off another 1.7%.Resources were weaker on Chinese data, BHP down 0.2% and rare earths spluttered lower, LYC off 8.1% and lithium depressed, PLS down 5.2% and LTR off 0.4%. Gold miners eased back as bullion tested $4000, NST down 2.0% and EVN off 2.5%. Oil and gas stocks rose as crude pushed ahead, WDS up 1.3% and STO up 1.1%, uranium drifted lower, PDN down 2.0%.In corporate news, DRO steady on a Latin American order, DMP rose 0.2% after selling its printing business.Asian markets mixed, HK up 0.1%, China up 0.2% and Japan up 0.9%.10-year yields 4.35%. US futures slightly higher.Want to invest with Marcus Today? Our MT20 portfolio is designed for investors seeking exposure to our strategy while we do the hard work for you. If you're looking for personal financial advice, our friends at Clime Investment Management can help. Their team of licensed advisers operates across most states, offering tailored financial planning services.  Why not sign up for a free trial? Gain access to expert insights, research, and analysis to become a better investor.

Watch The X22 Report On Video No videos found (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:17532056201798502,size:[0, 0],id:"ld-9437-3289"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs");pt> Click On Picture To See Larger PictureUK, Germany and many other questions are struggling through the green new scam, this will not end well for them. People are experiencing Biden/Fed inflation from the past 4 years. Trump is countering this with low energy prices. Trump makes deal with China.  Obama now sending the message out to the infiltrators to get ready for the battles or we are finished. The [DS] will be moving from an information war to a physical war. Kash Patel countered and dismantles another [FF] . When the crimes are exposed the D party will cease to exist. They will fight to the very end because they do not want to go on trial. In the end this will all fail.   Economy Rooftop Solar Panel, Battery Installations Are Causing Fires in the UK The once-Great Britain has gone all-in on "green energy" as a matter of national policy, and it hasn't worked out too well for them. There's just one problem: They're catching fire. A surge in house fires caused by solar panels and their batteries is sparking safety concerns over Ed Miliband's plan for millions more rooftop installations. UK fire services faced a blaze involving a solar panel once every two days in 2024, according to data gathered by insurance company QBE, marking a 60pc increase in the past two years. That's a lot of fires, presenting a deadly danger - and a 60 percent increase in two years is nothing short of alarming. There may be more to it than just the solar panels, but they are certainly a contributing factor:   Source: redstate.com https://twitter.com/disclosetv/status/1984594356154831267 Canadian Prime Minister Mark Carney Confirms He Apologized to President Trump for Reagan Ad Effort   GYEONGJU, South Korea, Nov 1 (Reuters) – Canadian Prime Minister Mark Carney said on Saturday he had apologised to U.S. President Donald Trump over an anti-tariff political advertisement and had told Ontario Premier Doug Ford not to run it. Carney, speaking to reporters after attending an Asia-Pacific summit in South Korea, said he had made the apology privately to Trump when they both attended a dinner hosted by South Korea's president on Wednesday. “I did apologise to the president,” Carney said, confirming comments by Trump made on Friday. Carney also confirmed that he had reviewed the ad with Ford before it aired but said he had opposed using it. “I told Ford I did not want to go forward with the ad,” he said. The ad, commissioned by Ford, an outspoken Conservative politician who is sometimes compared to Trump, uses a snippet of Republican icon and former President Ronald Reagan saying that tariffs cause trade wars and economic disaster.   Source: theconservativetreehouse.com (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:18510697282300316,size:[0, 0],id:"ld-8599-9832"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs"); https://twitter.com/KobeissiLetter/status/1984268764414631994   at +8.2%, Vermont at +7.0%, and Maryland at +7.0%. This was followed by West Virginia, New Jersey, and Massachusetts, with increases of +6.9%, +6.8%, and +6.6%, respectively. Concerningly, grocery prices in rural areas jumped +7.6% YoY compared to+5.6% for residents of large cities. US consumers are still drowning in inflation. People start feeling the effects of inflation almost immediately in tangible ways,

The ASX 200 dropped 86 points to 8926 (-1.0%) as inflation came in hotter than expected and snuffed out any rate cut hopes for next week. The banks bore the brunt, CBA down 2.1% and WBC falling 3.1% with the Big Bank Basket falling to $289.08 (-2.1%). Insurers fell, QBE down 1.6% and SUN off 2.0%. Other interest rate stocks fell, TCL down 1.9% and REITs under pressure, GMG down 1.4% and SGP off 3.9%. Industrials eased back, WES dropped 1.7% and ALL off 1.6% with WOW up 2.4% as COL fell 1.9%. CSL continued to decline down 4.0% and XRO falling 2.0% with the All-Tech Index off 1.4%. In resources, iron ore rallied, BHP up 1.3% and FMG up 1.0% and the gold sector doing much better, EVN up 2.4% and NST up 2.4%. Rare earths still under some pressure, ARU off 20.0% as the capital raise weighed, lithium stocks trying to push higher, PLS up 1.6% and the uranium sector soaring on a Cameco deal in the US and BOE jumped 19.8% on quarterly numbers, PDN up 11.3% and oil and gas flat.In corporate news, NCK gained 12.7% on strong Q1 ANZ sales. WOW up 2.4% on quarterly sales, SDR rose 2.5% on a trading update. On the economic front, underlying inflation came in stronger than expected at 3%. Rate cuts are off for 2025. Trimmed mean of 1% QoQ. Well above the forecast 0.6%.Asian markets generally firm, Nikkei 225 up 1.9%, HK up 0.1% and China up 0.4%. 10-year yields 4.23%. US Futures mixed. Want to invest with Marcus Today? Our MT20 portfolio is designed for investors seeking exposure to our strategy while we do the hard work for you. If you're looking for personal financial advice, our friends at Clime Investment Management can help. Their team of licensed advisers operates across most states, offering tailored financial planning services.  Why not sign up for a free trial? Gain access to expert insights, research, and analysis to become a better investor.

The ASX 200 fell 43 points to 9012 (0.5%) as resources were sold off heavily. Two blue chip casualties today too in CSL on a downgrade and delays to its demerger plans and WTC on ASIC raid on offices. Both falling heavily, CSL off 15.9% and WTC down 15.9% too. The All-Tech Index fell 1.1%. Gold miners under serious [pressure again today with NEM down 4.1% and NST falling 3.1% as bullion fell below US$4000. The Iron ore majors fared better with small losses, but rare earths dropped in a brutal sell down, LYC fell 13.9% and ILU down 5.2% with lithium stocks back on the chopping board as LTR dropped 12.8% and PLS fell 6.1%. Oil and gas stocks eased, WDS down 1.7% and uranium stocks fell, PDN down 4.4% and DYL off 2.5%. Banks though and other defensives were in demand. CBA up 1.4% and NAB rising 2.5% with the Big Bank Basket back up to $295.24 (+1.4%). Insurers gained too. QBE up1.5 % and SUN up 2.2%. Broker AUB got a NBIO from Swedish private equity, up 5.9% and SDF rose in sympathy. Industrials firmed, WES pushing ahead again, up 2.8% TLS up1.0 % and COL gaining 1.6%. In healthcare CSL weighed and tech stocks fell, WTC being responsible. In corporate news, media speculation on Bain Capital bidding for all or some of DMP saw the stock rocket before denial and profit taking killed it, still up 7.2%. FLT fell 0.9% as it sold its Cross Hotels business. On the economic front, Trump was in Japan meeting new PM Takaichi as the Fed kicks off its meeting tonight.Asian markets mixed ahead of framework trade deal, Japan down 0.8%, with HK and China mildly positive.Want to invest with Marcus Today? Our MT20 portfolio is designed for investors seeking exposure to our strategy while we do the hard work for you. If you're looking for personal financial advice, our friends at Clime Investment Management can help. Their team of licensed advisers operates across most states, offering tailored financial planning services.  Why not sign up for a free trial? Gain access to expert insights, research, and analysis to become a better investor.

The ASX 200 rallied 37 points after a weaker start to 9032 (0.4%) as banks broke on through. With CBA up 2.6% and NAB rising 1.4% and the Big Bank Basket up to $292.49 (+1.9%). Insurers bounced back from Friday's heavy losses, QBE up 3.7% and IAG rising 2.2% with financials also doing well, CGF up 1.1% and ZIP up 4.3% on quarterly numbers. REITS back in favour, GMG up 0.7% and SCG rising 1.5%. Industrials too were back in demand, BXB rallied 2.0% with REA up 1.2% and WES rising 1.0%. Tech stocks a little better for a change, WTC up 0.9% and XRO putting on 0.3%. Resources were generally weaker, gold miners under pressure again on profit taking, NST down 3.6% and EVN falling 4.9%. Iron ore miners eased, but rare earths were back in vogue. LYC up 6.6% and ARU leading, UP 18.5%. PLS rose 2.2% with DTR up 7.5% on Colosseum news. A better day for oil and gas, STO up 2.6% and WDS gaining 0.7%. Uranium stocks slipped, PDN down 4.9% and DYL in deep red, off 18.8% as the CEO quit!In corporate news, DRO lost 2.6% as quarterly showed a big revenue jump as expected, ZIP were better than forecast and extended the buyback, BAP crashed 17.7% on operational issues and impairments and a downgrade. On the economic front, NZ inflation rose to 3%, Chinese GDP came in a 4.8% as expected. Asian markets bouncing back hard, Japan up 2.9% on political resolution perhaps, China up 0.7% and HK up 2.2%.10-year yields rise to 4.14%.European markets opening around 0.3% higher. Results in focus this week.Want to invest with Marcus Today? Our MT20 portfolio is designed for investors seeking exposure to our strategy while we do the hard work for you. If you're looking for personal financial advice, our friends at Clime Investment Management can help. Their team of licensed advisers operates across most states, offering tailored financial planning services.  Why not sign up for a free trial? Gain access to expert insights, research, and analysis to become a better investor.

Speaking with the Leader's Edge podcast at the Insurance Leadership Forum, Julie Wood, CEO of QBE North America, discusses the culture of dialogue, thoughtful listening, and transparency that she is fostering at QBE. She shares candid learning experiences from her personal history that are truly valuable lessons for leaders everywhere.

Secure Boot for FreeBSD, Systems lie about their proper functioning, Teching the tech and rushing the endorphins, Passing a Device Into A FreeBSD Jail With A Stable Name, ZFS snapshots aren't as immutable as I thought, due to snapshot metadata, Let's write a peephole optimizer for QBE's arm64 backend, Migrate a Peertube instance from Debian to FreeBSD, and more NOTES This episode of BSDNow is brought to you by Tarsnap (https://www.tarsnap.com/bsdnow) and the BSDNow Patreon (https://www.patreon.com/bsdnow) Headlines Secure Boot for FreeBSD (https://forums.FreeBSD.org/threads/how-to-set-up-secure-boot-for-freebsd.99169/) The Fundamental Failure-Mode Theorem: Systems lie about their proper functioning (https://devblogs.microsoft.com/oldnewthing/20250716-00/?p=111383) News Roundup Teching the tech and rushing the endorphins (https://vulcanridr.mataroa.blog/blog/teching-the-tech-and-rushing-the-endorphins) Passing a Device Into A FreeBSD Jail With A Stable Name (https://blog.feld.me/posts/2025/09/passing-device-freebsd-jail-with-stable-name/) ZFS snapshots aren't as immutable as I thought, due to snapshot metadata (https://utcc.utoronto.ca/~cks/space/blog/solaris/ZFSSnapshotsNotFullyImmutable) Let's write a peephole optimizer for QBE's arm64 backend (https://briancallahan.net/blog/20250901.html) Migrate a Peertube instance from Debian to FreeBSD (https://www.tumfatig.net/2025/migrate-a-peertube-instance-from-debian-to-freebsd) Tarsnap This weeks episode of BSDNow was sponsored by our friends at Tarsnap, the only secure online backup you can trust your data to. Even paranoids need backups. Feedback/Questions -Steve - Interviews (https://github.com/BSDNow/bsdnow.tv/blob/master/631/feedback/Steve%20-%20Interviews.md) Send questions, comments, show ideas/topics, or stories you want mentioned on the show to feedback@bsdnow.tv (mailto:feedback@bsdnow.tv) Join us and other BSD Fans in our BSD Now Telegram channel (https://t.me/bsdnow)

Rule 30(b)(6) depositions can be a game-changer in litigation—but only if you know how to use them strategically. In this episode, former Assistant U.S. Attorney and current Wilmington Law professor Veronica Finkelstein shares expert guidance on understanding the purpose and power of a 30(b)(6) deposition, identifying the right corporate representative, drafting precise specifications, and preparing your designee for examination. Whether you're deposing a Fortune 500 company or a little mom-and-pop shop, this episode will fine-tune your approach to corporate testimony.Topics4:23     What is a 30(b)(6) deposition?   7:11     Why all trial lawyers should know about 30(b)(6) depositions9:40     How deposing 30(b)(6) witnesses is different14:27    Meet-and-confer requirement about specifications17:44    Drafting specifications20:20    Benefit of taking 30(b)(6) depositions23:57    Qualities of a desirable corporate designee25:54    Designees and fact witnesses29:21    Corporate counsel and deposing counsel preparations35:40    Who represents the designee?40:05    Nonresponsive or jerk designees43:24    Things to be mindful of during examination45:39    When interrogatories are preferable46:56    Cases to know: QBE and Marker49:42    Deposition Skills: Philadelphia51:53    Sign-off questions Quote“This is one of the few times in litigation when you get to pick your witness, so pick somebody good. Don't pick somebody who's the CEO of the company who doesn't have time to get educated. Don't pick somebody in HR who's been following the policies wrong for the last 20 years and you're never gonna unteach. Pick somebody who's gonna be a really good mouthpiece on behalf of the company who you can educate properly.” Veronica FinkelsteinResourcesVeronica Finkelstein (bio)J.C. Lore (bio)Deposition Skills: Philadelphia (program)NITA Women in Trial (program)QBE Ins. Corp. v. Jorda Enters. Inc. (case)Marker v. Union Fidelity Life Ins. Co. (case)Law 360 article (PDF)

It's a jam-packed show this month on What Are We Building?  Starting off with some new businesses in town and a massive plan for the "Derby District" at the QBE site near Grand & Windsor St.  Then, I had a very candid conversation with Lisa Goldsberry about the school board, empathy, engagement, and Grey's Anatomy. We discussed how the board responds (or not) to citizen issues, the situation with Principal Coleman at SP East, and the ongoing handling of the allegations against former Dean Robert Gilkey-Meisegeier.

SBS Finance Editor Ricardo Gonçalves speaks with Heath Moss from HLM Investors about the day's market action including an in-depth look at the Nick Scali and QBE results, along with Donald Trump's new pick for a temporary role at the Federal Reserve Board.

Wall Street closed lower as rising rates and weak bond demand pressured markets. Treasury yields rose after soft bond auction results, dragging equities down. Healthcare stocks declined, with Eli Lilly falling on disappointing weight-loss drug data. Tech also struggled, with Fortinet plunging over 20% after a weak refresh cycle. Meanwhile, Trump announced tariffs on imported chips and urged Intel’s CEO to resign, unsettling the semiconductor space. In commodities, oil fell on news of a planned Trump-Putin meeting, easing geopolitical tensions. Elsewhere, the Bank of England cut rates to 4% in response to cooling inflation. Back home, Aussie shares are tracking lower for the week, though QBE is expected to report higher profits despite yield headwinds. The content in this podcast is prepared, approved and distributed in Australia by Commonwealth Securities Limited ABN 60 067 254 399 AFSL 238814. The information does not take into account your objectives, financial situation or needs. Consider the appropriateness of the information before acting and if necessary, seek appropriate professional advice.See omnystudio.com/listener for privacy information.

This month's episode of The Edge of Risk Podcast by IRMI welcomes Ryan Powers, head of construction at QBE. Listen in as Mr. Powers discusses the top risks that construction insureds worry the most about but often feel the least prepared for. In this 13-minute episode, Mr. Powers provides manageable action items to address cyber risks, addresses the benefits and challenges insureds face with technology, and discusses how collaboration in risk mitigation has resulted in reduced frequency in losses in the construction industry.

Domino’s is on the hunt for a new CEO, with the pandemic darling seeing its share price plunge again today. ASX200: up 0.66% to 8,597 GOLD: $3,335 US/oz BITCOIN: $164,003 James Hardie’s completion of its US$8.4 billion deal for Azek helped it 5.3% higher to $42.93. The hope for rate cuts helped Real Estate stocks, with Goodman rising 2.1%, Scentre up 2.7%, and Dexus rising 3.1%. BHP up 1.7%, Fortescue rising 3.8% and Rio Tinto up just over 2%. Dominos Pizza shares closed down more than 15% to $16.96 after its CEO resigned Helia told the market that ING was negotiating with other providers – down 21% to $4.31. Qantas revealed a cyberattack had stolen the personal data for 6 million customers, with shares closing 2.2% lower to $10.52. Also weaker were QBE, Xero and Next DC. See omnystudio.com/listener for privacy information.

 I started off with a bit of a rant after the latest round of Facebook whining about the possibility of new development at a location near QBE.  Then I had the great joy of talking with Sunshine Anderson  - They are the Museum Programming & Design Coordinator for Sun Prairie's Historical Library and Museum.  We had a great conversation about a bunch of great stuff, from their love of History to LGBTQ issues, including Sun Prairie's Pride Fest (coming up on Saturday June 28th) and Drag Shows!  Plus, updates on what's happening Downtown related to the arts (like the new Murals) and new businesses coming into the Monarch on Main building. 

In this episode of QAV, Cameron and Tony kick off with a discussion on the political tension in the U.S. and what Trump's moves with the National Guard might foreshadow, then slide into serious investing updates. There's news on Perenti (PRN), NRW (NWH), and Findi (FND), with a nod to confusing results and sovereign risks. Judo (JDO), BOQ, and QBE get coverage too, as does the SOL–Brickworks merger and what it means for index fund flows. Cameron ponders the shocking long-term flatline of Telstra (TLS), while Qantas (QAN) and Perseus (PRU) get some love for outperforming. Tony wraps up with a pulled pork on Fleetwood (FWD), highlighting modular housing, mining village profits, and capital risk. There's also a review of the film _Ballerina_ and some off-topic Doctor Who and Shakespearean riffing.

The lithium sector finally received some good news, but could this be the start of something bigger for the stagnating metal? MARKET WRAP: ASX200: down 0.03%, 8538 GOLD: $3,397 US/ounce BITCOIN: $160,926 AUD Lithium miners were up, with Mineral Resources closing 14.8% higher, Pilbara gaining 12.5% and IGO rising 9.6%. Lynas Rare Earths rose 12.5% after China implemented controls on rare earth minerals. Commonwealth closing 0.1% despite some profit-taking in the session. Fortescue, Seven Group Holdings, and James Hardie were all up over 1%. Regis Healthcare down 4.5% to $7.61 Brent crude oil fell back below $65 US a barrel, sending Woodside down 0.4% and Santos down 0.8%. Falling by over 1% were CSL, QBE and Computershare. CURRENCY UPDATE: AUD/USD: 65.0 US cents AUD/GBP: 48 pence AUD/EUR: 57 Euro cents AUD/JPY: 93 yen AUD/NZD: 1.07 Dollars See omnystudio.com/listener for privacy information.

In this episode of the AgCulture Podcast, Jamie Luce—CEO and Co-Founder of AIR Parametric—breaks down how parametric insurance is changing the game for managing climate risks in livestock and dairy farming. He shares how their data-driven tool, Milkshake™, helps farms get fast support during extreme heat, skipping the usual hassle of filing claims. It's a simpler, smarter way to get coverage, no matter the size of the operation. Tune in now on your favorite podcast platform!Meet the guest:Jamie Luce is the CEO and Co-Founder of AIR Parametric, bringing over two decades of leadership in commercial insurance. With a career spanning Liberty Mutual, QBE, and Jewelers Mutual, he launched AIR Parametric to build new protections for agricultural businesses against extreme climate events. Luce holds deep expertise in underwriting, insurance strategy, and innovation.Connect with our guest on Social Media: LinkedInWhat you will learn:(00:00) Introduction(02:11) Parametric insurance (04:42) Heat index triggers(07:07) Localized data models(10:24) Pricing and policy tiers(17:09) Rise of alt insurance(22:25) Closing thoughtsDiscover the world of agriculture with the "Ag Culture Podcast".  This podcast will be a gateway for those passionate about agriculture to explore its global perspectives and innovative practices.Join Paul as he shares his experiences in the agricultural industry, his travels and encounters with important figures around the world.Available on YouTube, Spotify and Apple Podcasts.Subscribe at ⁠http://www.agculturepodcast.com⁠ and keep an eye out for future episodes, bringing insights and stories from the vibrant world of agriculture.

David Worldon is the Founder of Accelerated Innovation, a boutique management consultancy specialising in insurance innovation. Last year they  saved  Australia's largest insurers half a million dollars in fees and shaved a full year off their growth timelines. David has recently published the 2025 General Insurance Innovation Report, assessing and ranking how Australia's largest insurers are innovating to address key industry challenges such as climate change, underinsurance, and rising premiums. His goal is to save leaders $20m in fees and 40 years of waiting to get shit done. David is also the host of Accelerated Innovation's Innovation Insider podcast, which is available at https://acceleratedinnovation.com.au/innovation-insider/ Episode SummaryThe video features a discussion centered around the Australian insurance market, highlighting its unique dynamics, challenges, and opportunities for innovation. Here are the key points: Market Dynamics: The Australian insurance market is characterized by a high level of concentration, with a significant portion of the market share held by a few major players. This concentration influences competition and innovation within the industry. Regulatory Environment: The industry is highly regulated, with recent interventions aimed at addressing systemic issues, particularly following a Royal Commission that scrutinized the sector for malpractice. This has led to a culture of risk aversion among insurers. Innovation Focus: There is a growing emphasis on innovation, particularly in risk mitigation and preparing for natural disasters. Insurers are shifting their strategies to not only rebuild after disasters but to enhance infrastructure and resilience for future events. Collaboration and Growth: Insurers are beginning to collaborate more effectively with each other and with government entities to address challenges such as underinsurance and protection gaps. This collaborative approach is seen as a pathway to strengthening the market. Future Outlook: The discussion suggests a positive outlook for the next five to ten years, with expectations of increased appetite for risk and innovation. The market is viewed as ripe for new entrants, particularly global digital players, which could disrupt traditional distribution models. Personal vs. Commercial Lines: Innovation is more pronounced in personal lines of insurance, particularly through direct sales channels. The commercial lines are slower to innovate, focusing primarily on enhancing broker experiences. This episode is brought to you by The Future of Insurance thought leadership series, available globally from Amazon in print, Kindle and Audible audiobook. Follow the podcast at future-of-insurance.com/podcast for more details and other episodes. Music courtesy of Hyperbeat Music, available to stream or download on Spotify, Apple Music, and Amazon Music and more.

Today's podcast is one of the most positive and optimistic I think I have ever recorded. Andrew Horton Group CEO of QBE has been in the role long enough to have been able to reap some of the rewards of the changes he has made at the global insurer since he took over the top job. Having dealt with legacy issues and posted some remarkable results that have validated his strategy – the mood from this interview is 100% forward-looking and upbeat. Andrew's QBE has a spring in its step and a growth plan to execute into a global insurance and reinsurance market that seems to be throwing up opportunities almost wherever you look. It certainly helped that this was recorded on a pleasant early spring day in London, with plenty of sun in the sky and blossom on the trees, but the difference between this interview and the last one I did with Andrew two years ago is palpable. Today, Andrew is buzzing with energy and good humour and has audibly grown in confidence. In this discussion we make light work of all the issues of the day, taking in topics as diverse as Reinsurance, D&I, the long-term trends of facilitisation and algorithmic underwriting and their consequences, Lloyd's and the London Market, and insuring the transition. So listen on as we take a world tour of market opportunities and a refreshed and revitalised player looking to seize the moment. If you are feeling jaded and in need a tonic – this is just what the doctor ordered! LINKS: We thank our naming sponsor AdvantageGo: https://www.advantagego.com We also thank audio advertiser, The Insurance Network (TIN), organiser of the highly-successful TINtech events series and Data Jam. www.tin.events

Andrew joined QBE as Group Chief Executive Officer in September 2021. With a strong focus on bringing the enterprise together, Andrew has driven performance consistency and progress towards QBE's vision to become the most consistent and innovative risk partner. He was previously the CEO, and before that the Finance Director, of Beazley Group, a specialist international insurer based in the United Kingdom. Prior to this, he held various senior finance roles in ING, NatWest and Lloyds Bank. Andrew's career in insurance and banking spans more than 30 years and he has extensive experience across international markets. Highlights from the Show Sustainable Profitable Growth Andrew emphasizes the importance of sustainable growth in the insurance industry, highlighting the need for a balanced approach to risk and pricing models. He discusses the pitfalls of rapid growth without considering long-term consequences, stressing that growth should be managed sensibly. Innovation and Client Focus The conversation touches on the necessity for the insurance industry to listen to clients and innovate based on their needs. Andrew mentions QBE's commitment to integrating innovation within the company, ensuring that all teams are aligned with customer needs. Mitigation Strategies Andrew discusses the need for the insurance industry to adapt to new normals, particularly in the context of natural disasters【4:2†source】. He advocates for building back better after catastrophic events, rather than simply restoring properties to their previous state. Market Viability and Affordability The episode explores the challenges of maintaining market viability amidst rising costs and the need for affordable insurance. Andrew reflects on the balance between providing coverage and ensuring that it remains accessible to clients. Diversification and Growth Opportunities Andrew discusses the importance of diversification in insurance offerings, particularly in niche markets. He highlights QBE's strategy of exploring smaller, specialized markets that can contribute to overall growth. Overall Takeaways Balance is Key: Sustainable growth in insurance requires a careful balance of risk management and innovation. Client-Centric Approach: Listening to clients and adapting to their needs is crucial for long-term success in the insurance industry. Proactive Mitigation: The industry must focus on proactive strategies to mitigate risks associated with natural disasters and changing environments. Affordability Matters: Ensuring that insurance remains affordable is essential for maintaining market viability. Embrace Diversification: Exploring niche markets and diversifying offerings can lead to meaningful growth opportunities. This episode is brought to you by The Future of Insurance thought leadership series, available globally from Amazon in print, Kindle and Audible audiobook. Follow the podcast at future-of-insurance.com/podcast for more details and other episodes. Music courtesy of Hyperbeat Music, available to stream or download on Spotify, Apple Music, and Amazon Music and more.

We all find the cost of insurance too high, but have you ever thought to actually fight against big hikes to your premium? A growing number of Australians are trying just that, with limited success. Today, national consumer affairs reporter, Michael Atkin, on why insurance costs continue to surge and how Australians are trying to force the insurance giants to justify the hikes.  Michael Atkin explains that insurance premiums have jumped 11% in the past year, following even higher increases in previous years. He shares stories from frustrated home owners like Mark Stacey and Warren Vant, who have seen their premiums skyrocket. The industry justifies these hikes, citing increased severe weather and inflation. Michael Atkin says while some consumers have had success challenging their insurers through the Australian Financial Complaints Authority, many others have not been as fortunate.Featured: Michael Atkin, national consumer affairs reporterKey Topics:Insurance premium hikesAustralian Financial Complaints Authority (AFCA)Natural disasters and insuranceInflation and building costs

Fan Mail: Got a challenge digitizing your intake? Share it with us, and we'll unpack solutions from our experience at Cytora.Here it is, the moment we've been counting down to! As we wrap up our Top 5 Most Downloaded Episodes of 2024, we're thrilled to re-release the No. 1 episode of the year.In this standout conversation, host Juan de Castro sits down with Andrew Horton, Group CEO of QBE Insurance, a global leader operating in 26 countries and ranked among the world's top 20 insurance and reinsurance companies. Andrew's insights captivated audiences, making this the most downloaded episode of the year.During their discussion, Juan and Andrew explore how QBE maintains consistency in a market defined by rapid change, the pivotal role of innovation and culture in driving the industry forward, and why AI has become a personal priority for Andrew as a game-changing technology.Topics Discussed:How QBE balances stability with adaptability in a dynamic industry.The critical link between company culture, innovation, and long-term success.Andrew's perspective on how AI is reshaping the future of insurance.Join us as we celebrate this incredible episode and reflect on the remarkable conversations that defined 2024. Thank you for being part of Making Risk Flow; here's to more impactful episodes in the year ahead!To receive a custom demo from Cytora, click here and use the code 'Making Risk Flow'.Our previous guests include: Bronek Masojada of PPL, Craig Knightly of Inigo, Andrew Horton of QBE Insurance, Simon McGinn of Allianz, Stephane Flaquet of Hiscox, Matthew Grant of InsTech, Paul Brand of Convex, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.Check out the three most downloaded episodes: The Five Pillars of Data Analytics Strategy in Insurance | Craig Knightly, Inigo 20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL | Bronek Masojada Implementing ESG in the Insurance and Underwriting Space | Simon Tighe, Chaucer, and Paul McCarney, Moody's