Podcasts about renewals

"We don't view ourselves as a TPA, we view ourselves more as a platform... our goal is to simplify and reduce the barriers of entry into the TPA space."The role of the Third-Party Administrator is undergoing a massive evolution. No longer just a back-office claims processor, the modern TPA is being asked to serve as the high-tech, high-touch "nucleus" of the entire health plan.My guest this week is Vinny Esposito, CEO of Reflect Health (formerly S&S Health). Drawing on a decade of experience in the hedge fund world, Vinny recognized a massive opportunity to bring scalable, asset-light infrastructure to the self-funded market. Today, Reflect Health acts almost like the "Intel Inside" of the industry, licensing its proprietary claims technology to other TPAs and health plans.In this episode, we explore exactly what it takes to build the TPA of the future. We discuss how to solve "point solution fatigue" through a centralized marketplace, the mechanics behind infusion drug carve-outs, and how to successfully deploy dynamic deductibles to incentivize better care routing. Vinny also shares his bold vision for "frictionless claims" paid instantly at the point of service, moving us closer to an Amazon-style shopping experience for healthcare.If you want to understand the technological and administrative innovations driving the self-funded market forward, this episode provides the blueprint.Thank you to our 2026 sponsors!ParetoHealth: ParetoHealth empowers midsize employers with a long-term solution to reduce volatility and lower overall health benefits costs. Visit ParetoHealth.com to learn more.Samaritan Fund: A program that connects those who need help to the support they need. We are proud to offer the Samaritan Fund Program. Visit SamaritanFundProgram.com to learn more.Vālenz Health: We're Vālenz Health, your partner in improving health literacy, reducing plan spend, and delivering high-value healthcare. Visit ValenzHealth.com to learn more.Imagine360: Imagine360 helps self-funded employers save on healthcare with smarter health plans. Cut expenses by 20-30% with custom solutions. Contact us today at Imagine360.com.Chapters:(00:00:00) Intro: Competing on Service in the TPA Market (00:01:56) Meet Vinny Esposito & Reflect Health (00:03:35) Rebranding from S&S Health (00:07:32) From Hedge Funds to Healthcare Disruption (00:11:05) The Platform Model: Licensing Tech to Other TPAs (00:15:05) The Marketplace & Infusion Drug Carve-Outs (00:19:14) How the TPA Role is Expanding (The "Nucleus") (00:24:12) Direct Contracting, RBP, and DPC Integration (00:29:15) Dynamic Deductibles & Tiered Networks (00:33:25) Curing "Point Solution Fatigue" (00:41:09) The Future of Stop-Loss and Preventative Care (00:45:44) The Fiduciary Breaking Point & 80% Renewals (00:50:26) Frictionless Claims & Amazon-Style HealthcareKey Links for Social:@SelfFunded on YouTube for video versions of the podcast and much more - https://www.youtube.com/@SelfFundedListen/watch on Spotify - https://open.spotify.com/show/1TjmrMrkIj0qSmlwAIevKA?si=068a389925474f02Listen on Apple Podcasts - https://podcasts.apple.com/us/podcast/self-funded-with-spencer/id1566182286Follow Spencer on LinkedIn - https://www.linkedin.com/in/spencer-smith-self-funded/Follow Spencer on Instagram - https://www.instagram.com/selffundedwithspencer/

"We don't view ourselves as a TPA, we view ourselves more as a platform... our goal is to simplify and reduce the barriers of entry into the TPA space."The role of the Third-Party Administrator is undergoing a massive evolution. No longer just a back-office claims processor, the modern TPA is being asked to serve as the high-tech, high-touch "nucleus" of the entire health plan.My guest this week is Vinny Esposito, CEO of Reflect Health (formerly S&S Health). Drawing on a decade of experience in the hedge fund world, Vinny recognized a massive opportunity to bring scalable, asset-light infrastructure to the self-funded market. Today, Reflect Health acts almost like the "Intel Inside" of the industry, licensing its proprietary claims technology to other TPAs and health plans.In this episode, we explore exactly what it takes to build the TPA of the future. We discuss how to solve "point solution fatigue" through a centralized marketplace, the mechanics behind infusion drug carve-outs, and how to successfully deploy dynamic deductibles to incentivize better care routing. Vinny also shares his bold vision for "frictionless claims" paid instantly at the point of service, moving us closer to an Amazon-style shopping experience for healthcare.If you want to understand the technological and administrative innovations driving the self-funded market forward, this episode provides the blueprint.Thank you to our 2026 sponsors!ParetoHealth: ParetoHealth empowers midsize employers with a long-term solution to reduce volatility and lower overall health benefits costs. Visit ParetoHealth.com to learn more.Samaritan Fund: A program that connects those who need help to the support they need. We are proud to offer the Samaritan Fund Program. Visit SamaritanFundProgram.com to learn more.Vālenz Health: We're Vālenz Health, your partner in improving health literacy, reducing plan spend, and delivering high-value healthcare. Visit ValenzHealth.com to learn more.Imagine360: Imagine360 helps self-funded employers save on healthcare with smarter health plans. Cut expenses by 20-30% with custom solutions. Contact us today at Imagine360.com.Chapters:(00:00:00) Intro: Competing on Service in the TPA Market (00:01:56) Meet Vinny Esposito & Reflect Health (00:03:35) Rebranding from S&S Health (00:07:32) From Hedge Funds to Healthcare Disruption (00:11:05) The Platform Model: Licensing Tech to Other TPAs (00:15:05) The Marketplace & Infusion Drug Carve-Outs (00:19:14) How the TPA Role is Expanding (The "Nucleus") (00:24:12) Direct Contracting, RBP, and DPC Integration (00:29:15) Dynamic Deductibles & Tiered Networks (00:33:25) Curing "Point Solution Fatigue" (00:41:09) The Future of Stop-Loss and Preventative Care (00:45:44) The Fiduciary Breaking Point & 80% Renewals (00:50:26) Frictionless Claims & Amazon-Style HealthcareKey Links for Social:@SelfFunded on YouTube for video versions of the podcast and much more - https://www.youtube.com/@SelfFundedListen/watch on Spotify - https://open.spotify.com/show/1TjmrMrkIj0qSmlwAIevKA?si=068a389925474f02Listen on Apple Podcasts - https://podcasts.apple.com/us/podcast/self-funded-with-spencer/id1566182286Follow Spencer on LinkedIn - https://www.linkedin.com/in/spencer-smith-self-funded/Follow Spencer on Instagram - https://www.instagram.com/selffundedwithspencer/

Here is a question that should keep every sales leader up at night: What do you do when your team has gotten so comfortable managing their existing accounts that they have stopped prospecting for new ones? That is the challenge Jeff Velez brought to a recent episode of Ask Jeb. Jeff works in the real estate services industry, where referrals from agents, brokers, and affiliates drive most of the business. Retention matters. Relationships matter. But because there is always natural attrition, his team has drifted into full farmer mode. If you are shaking your head right now, you are not alone. This is one of the most common and most dangerous patterns I see in sales organizations today. The Farmer Mentality Is Killing Your Pipeline Your book of business is shrinking a little bit every single day. Accounts churn. Contacts leave. Referral partners move on. If your team is not consistently bringing in new logos, you are not standing still. You are moving backward. The reason salespeople drift into pure farming mode is just pure human nature. The bigger a rep’s book gets, the more comfortable they become. They are making money. Things are fine. Why grind through cold calls and new outreach when warm conversations with happy clients feel so much easier? And here is the other thing: calling invisible strangers is hard. The people in your existing accounts are happy to hear from you. The people you are prospecting to are not. That gap in friction is exactly why reps gravitate toward the path of least resistance every single time. The solution is not to yell at your salespeople. This is a leadership problem, not a salesperson problem. If you want your team to prospect, you have to build a system and a culture that makes prospecting non-negotiable. That starts with you. Leaders Are Repeaters If you want your team to prospect, you have to talk about it constantly. Every team meeting. Every one-on-one. Every morning huddle. Leaders are repeaters. You set the tone by what you say, what you measure, what you celebrate, and how you show up. That means when someone brings in a new logo, you ring the bell louder for that than you do for an account renewal. Renewals matter. High margin, great for the business. But if you want prospecting behavior, you have to reward and celebrate prospecting outcomes. Make sure you are not accidentally incentivizing people to farm existing account growth rather than hunt new business. That is a trap I have walked into with more organizations than I can count. You also need to take the guesswork out of who your team should be calling. Sales leaders who expect their reps to build their own prospecting lists and figure out their own targeting are setting their people up to fail. Build the list. Point them in the right direction. Get them in position to win. Then run prospecting blocks together. And I mean together. Do not send your team to the phones and retreat to your office. Lead from the front. Split the Job When You Can One of the hardest things about managing a referral-driven or relationship-heavy business is that you need people who can both hunt and farm. And the honest truth is that most people are not equally gifted at both. Hunters tend to get new business but sometimes burn relationships. Farmers build and maintain accounts beautifully but stop hunting the moment their book is comfortable. If your business can afford it, split the role. Have dedicated hunters focused on new logo creation. Have dedicated farmers or account managers focused on retention and expansion. Most small and mid-size organizations cannot do this fully, which means your leaders have to work twice as hard to build systems that force both behaviors. When you cannot split the job, you have to build structure into the day. Block time every morning specifically for new logo prospecting. It does not have to be a huge window. An hour. Two hours. But it has to be protected, consistent, and non-negotiable. And the leaders have to be visibly engaged in it, not hiding behind their screens while their people make calls. That single behavior sends more of a message than any speech ever will. This Is a Long Game Here is what I told Jeff, and what I will tell you: do not expect this to change overnight. Cultural shifts in sales organizations are slow and painful. You will have reps who resist. You will have leaders who get uncomfortable holding people accountable because they do not want the friction. Push through it anyway. Stake it in the ground. If you stay consistent in your messaging, your structure, and your expectations, you will start to see movement in twelve to eighteen months. New business will start coming in. Your team will start to feel the momentum. And that momentum builds on itself. I am dealing with this in my own organization right now. We got comfortable with our existing customers and pulled back on new outreach. The book feels fine until the day it does not, and by then you have already lost ground you cannot easily recover. A shrinking book is not sustainable. Full stop. Your Action Plan If you are a sales leader: Reset the expectation now. Make it clear that prospecting for new logos is part of the job description, not optional. Put it in writing. Talk about it constantly. Fix your compensation structure. If you are paying higher on renewals than on new business, fix that. You are paying for the behavior you are getting. Run prospecting blocks with your team. Not near your team. With your team. Lead from the front. Give them the list. Stop expecting reps to research, target, and build their own outreach pipeline. That is a leadership function. Celebrate new logos loudly. Ring the bell. Make it a bigger deal than anything else you celebrate. If you are a sales rep: Do not wait for your leader to force you. The reps who prospect consistently, even when their book is comfortable, are the ones who build the most durable careers. Treat your book like a leaky bucket. Something is always draining out. Your job is to fill it back up, every single day. Pick up the phone. Calling strangers is uncomfortable. Do it anyway. That discomfort is exactly what separates average reps from elite ones. The message is simple. A book of business that is not growing is a book of business that is dying. This is who we are. This is what we do. We prospect, every day, without exception. Want to take this to the next level in person? Join Sales Gravy at one of our live events, where we work with sales professionals and leaders to build the skills, mindset, and habits that drive elite performance. See all upcoming events at salesgravy.com/live.

EP 412 - How far should UK employers go when it comes to looking after staff?In this episode we break down the real cost of being a “nice” employer - from UK statutory sick pay (SSP) and full sick pay policies to employee benefits, pensions, flexible working, and permanent health insurance (PHI).With major UK employment law changes coming, SMEs face difficult trade-offs:Is full sick pay worth the payroll cost?Does unlimited holiday actually work?Can generous benefits create legal risk?Are employers responsible for employees' long-term wellbeing?Featuring insights from Oury Clark's employment lawyer Jessica Bass and financial adviser Freddie Pattenden, this episode is a practical guide for SME founders, directors, and HR leaders navigating sick leave, compliance, retention, and post-COVID workplace expectations.If you run a UK business and want to balance competitiveness, fairness, and sustainability - this one's for you.*For Apple Podcast chapters, access them from the menu in the bottom right corner of your player*Spotify Video Chapters:00:00 Caring Without Going Broke00:57 Meet the Experts01:27 What Staff Really Want03:38 Compliance Value Competition05:28 PHI Income Protection Debate11:22 Post Covid Flex and Mental Health15:36 Legal Minimums Sick Pay Changes21:54 Morality Consistency and Flex26:15 Being Nice Can Backfire29:10 Structuring Benefits and Contracts32:09 Unlimited Holiday Pitfalls32:51 Unlimited holiday pitfalls34:50 Perks arms race37:07 SMEs vs big firms38:35 Pension basics explained39:43 Qualifying earnings trap42:41 Pensions and retention47:17 Salary sacrifice demystified54:43 Self employed pension gap55:06 Death in service cover57:15 Private healthcare reality59:19 Tailoring PMI benefits01:03:00 Managing premium increases01:04:43 Virtual GP and AI support01:06:16 Avoiding Benefit Red Herrings01:08:14 Flexible Benefits Allowance01:11:20 Renewals and Underwriting Traps01:13:47 Flexible Working Rights01:15:33 Office Returns and Discrimination01:19:49 Mental Health Boundaries01:21:46 Best Benefits and Compliance01:27:10 Business or BS Quiz01:27:55 Maternity and Paternity Debate01:34:28 Wellbeing Apps and Final WrapWatch and subscribe to us on YouTubeFollow us:InstagramTikTokLinkedinTwitterFacebook

On the podcast: about the cost of not tracking your experiments and decisions, how refunds and chargebacks quietly erase your paywall wins, and why stacking A/B test wins should compound your growth, but almost never does.This conversation is shorter than usual and will be featured in RevenueCat's State of Subscription Apps report. Each episode in this series will explore one crucial topic and share actionable insights from top subscription app operators.Top Takeaways:

Leadership transitions don't have to be terrifying revenue cliffs. In this conversation, Travis Craddock, CFRE and Founder of Craddock Strategies, reframes interim development leadership as a powerful strategic advantage—not a temporary patch.Too often, organizations view interim fundraising support as “a warm body in an empty seat.” Travis challenges that mindset directly. “It prevents rushed or misaligned hires that can be expensive,” he explains, positioning interim leadership as a disciplined pause that protects both donor relationships and long-term revenue health.Fundraising is built on trust. When leadership shifts, donors notice. Travis prioritizes immediate communication, transparency, and clarity so nothing falls through the cracks. Renewals are tracked. Grants are monitored. Donors are reassured. Strategy stays in motion.But here's where the real opportunity emerges.An interim professional arrives without emotional baggage. That means clearer data analysis, honest conversations about ROI, and strategic evaluation of legacy traditions. Should the gala continue? Is it delivering meaningful return? Are event attendees being cultivated into major donors? These are business questions—asked gracefully, but directly.Travis describes himself as “gracefully honest,” and that honesty becomes catalytic. Interim work isn't simply maintenance. It's an opportunity to elevate roles, revise job descriptions, shift from event-driven tactics to relationship-based fundraising, and align hiring with long-term strategic direction.He emphasizes data-driven decisions, CRM fluency, relationship-centered fundraising, and partnership with CEOs and boards. In many cases, he becomes the strategic driver—project-managing fundraising momentum while executives focus on mission execution.Three months may be the minimum engagement window. Six months may be ideal. But within that time, organizations can stabilize revenue, recalibrate strategy, build infrastructure, and hire with intention.Anything is possible when nonprofits embrace transition as transformation! 00:00:00 Welcome and Introduction to Interim Fundraising 00:02:30 What Craddock Strategies Provides Nonprofits 00:04:03 Interim Leadership Beyond a Temporary Fix 00:06:48 Expanding the Definition of the Fundraising Team 00:09:21 Strategy Versus Firefighting in Development 00:11:09 Evaluating Events and Return on Investment 00:14:18 Communicating with Donors During Transition 00:17:18 Hiring Timelines and Interim Engagement Length 00:18:32 Revising Job Descriptions to Match Strategy 00:23:01 Technology Investment and Infrastructure Mindset Find us Live daily on YouTube!Find us Live daily on LinkedIn!Find us Live daily on X: @Nonprofit_ShowOur national co-hosts and amazing guests discuss management, money and missions of nonprofits! 12:30pm ET 11:30am CT 10:30am MT 9:30am PTSend us your ideas for Show Guests or Topics: HelpDesk@AmericanNonprofitAcademy.comVisit us on the web:The Nonprofit Show

This week on Screaming in the Cloud, Corey sits down with Chris Hill, CEO of Humble Pod, to talk about the messy, nuanced reality of AI in media. From secretly cloning Corey's voice for an ad using ElevenLabs (and almost getting away with it) to the growing tension between polished production and authentic content, they unpack what AI can actually do versus what it claims to do.They explore the shifting economics of podcasting, the rise of video-first formats, Netflix's entrance into the space, and why “good enough” production often beats expensive studio perfection. It's a candid conversation about trust, automation, creative integrity, and why sometimes the most dangerous AI use case is the one no one notices.Show Highlights:(00:00) The AI Voice Clone Ad Nobody Noticed(00:44) 700 Episodes In: Catching Up with Humble Pod's Chris Hill(01:16) New Studio, New Vibes: Building a Podcast Space in Tennessee(01:51) AI in Podcasting Workflows: Riverside, Editing Promises & Human Judgment(07:50) Authenticity vs Production Value + Duckbill Hiring & Product Shift(14:05) Renewals, churn, and why point solutions fail(14:15) The Doc Tools saga: building the wrong thing (and Disney lawyers)(15:15) Bahamas studio build: consulting where quality really matters(16:34) Gear talk & pro tips: teleprompters, cameras, and looking at the lens(18:50) Podcasting goes video-first: clips, discovery, TikTok, and the wrap-upAbout Chris Hill: Chris Hill is a Knoxville, TN native and founder of Humble Pod, where he helps brands, startups, and thought leaders develop, launch, and grow podcasts across the U.S. and beyond. He works with clients ranging from local Knoxville businesses to entrepreneurs in Silicon Valley and around the world.Chris is the co-host and producer of Our Humble Beer Podcast and lectures on podcasting and marketing at the University of Tennessee. He earned his undergraduate degree in Marketing & Entrepreneurship from the University of Tennessee at Chattanooga and later received his MBA from King University.He currently serves as President of the American Marketing Association Knoxville chapter and enjoys supporting the local craft beer community, traveling internationally, and exploring the outdoors.Links: Humblepod: https://www.humblepod.com/Sponsored by: duckbillhq.com

Today we'll be talking about sewage in the sea grossing out beachgoers in Jomtien, Cocaine worth millions seized in Phuket police raids, and a little later good news for motorists under the age of 55 looking to renew their driver's licenses.

Welcome to this week's episode of the PEBCAK Podcast!  We've got four amazing stories this week so sit back, relax, and keep being awesome!  Be sure to stick around for our Dad Joke of the Week. (DJOW) Follow us on Instagram @pebcakpodcast   Please share this podcast with someone you know!  It helps us grow the podcast and we really appreciate it!   Simple 6 signup link https://simple6.co/r/CFUR98   Amazon releases Search Party https://www.aboutamazon.com/news/devices/ring-search-party-for-dogs-united-states-missing-pets https://www.tomsguide.com/home/home-security/rings-new-search-party-feature-can-help-you-find-your-lost-dog-heres-how-it-works https://x.com/fluffypony/status/2021485074366316881?s=20  https://www.nbcnews.com/tech/tech-news/google-nest-amazon-ring-doorbell-cameras-super-bowl-ad-rcna258591 https://x.com/WyzeCam/status/2021390482077798757?s=20   Snapchat hacker pleads guilty https://www.bleepingcomputer.com/news/security/man-pleads-guilty-to-hacking-nearly-600-womens-snapchat-accounts/  https://www.wandtv.com/news/illinois-student-teacher-allegedly-commented-about-shooting-student/article_847147a6-e004-11ef-8635-d367fa615a2b.html    Fake cloud storage renewal https://www.bleepingcomputer.com/news/security/cloud-storage-payment-scam-floods-inboxes-with-fake-renewals/   Super Bowl 2026 commercials https://parade.com/entertainment/super-bowl-commercials-2026   Dad Joke of the Week (DJOW)   Find the hosts on LinkedIn: Chris - https://www.linkedin.com/in/chlouie/ Brian - https://www.linkedin.com/in/briandeitch-sase/ Glenn - https://www.linkedin.com/in/glennmedina/ Ben - https://www.linkedin.com/in/benjamincorll/

Teams focus on closing deals but neglect the systems that make customers stay. In this episode, Brandon breaks down why renewal risk begins in the first month, the common onboarding failures that lead to churn, and the value-proof timeline that drives retention.You'll learn how to create early measurable wins, align outcomes from day one, and build a customer narrative so strong that renewal becomes automatic. If you want higher retention, expansion, and long-term revenue, this episode shows where it really starts.

Join Erik and Tage this week as they are joined by Haley and Kim as they discuss why the Disney Parks hit adults so emotionally hard, where they would have a Disney wedding or vow renewal, the Disney food, drinks, or restaurants that live rent free in their minds, and the Disney documentaries they would like to see a la Disneyland Handcrafted. Support the podcast by going to https://www.thehubcrawl.com/support. Question 1: Why do you think Disney parks hit adults so emotionally hard compared to any other theme park experience? Question 2: If you could get married or renew your vows anywhere in a Disney park or resort, where would you do so and why? (Help me figure out where I'm renewing my vows in 2028.) Question 3: What Disney food, drink or restaurant, past or present, lives in your head rent free, that you recommend to people or talk about more than you care to admit. Describe the food or restaurant and why you love it. Question 4: Disneyland Handcrafted was recently released showing the year leading up to Disneyland's opening in 1955. What other documentary would you like to see about the Disney company? Bonus Question: If you had to have a party themed to something Disney (could be parks, could be acquired IP, could be anything), what would your theme and occasion be? Bonus points for any details you can come up with.

Wisconsin athletic director Chris McIntosh spoke with reporters Monday. Zach and Jesse discuss his comments on the job Luke Fickell has done in the offseason, why he still has faith in his coach, the attitude of season ticket holders and more. They also talk about Fickell asking not to be considered for a contract extension, whether Mason Posa is the face of the program and the battle for the backup QB job.See omnystudio.com/listener for privacy information.

Today I'm joined by Stephanie Blair, Founder of Know & Flourish (https://knowandflourish.com/), for a practical conversation on digital career growth in Customer Success. We dig into how to build a career identity (not just a title), why experimentation matters, and how to expand your lane without burning out. You'll hear a real-world example from my team of turning a scrappy spreadsheet into a lightweight web tool, and what that kind of initiative can do for your brand inside the business.We also talk about the shift in CS org design: the rise of digital program managers, AI-assisted workflows, and yes - why human, IRL moments still win renewals. If you're exploring a pivot into CS (from sales/marketing/product) or within CS (service → expansion, or IC → leader), Stephanie breaks down how to translate your skills, control your narrative, and interview like a peer.Housekeeping: I'll be co-chairing the CS Summit in Austin later this month, and the Digital CX Masterclass is coming soon join the waitlist at https://DigitalCustomerSuccess.com/Masterclass to be first in line. Support the show+++++++++++++++++Like/Subscribe/Review:If you are getting value from the show, please follow/subscribe so that you don't miss an episode and consider leaving us a review. Website:For more information about the show or to get in touch, visit DigitalCustomerSuccess.com. Buy Alex a Cup of Coffee:This show runs exclusively on caffeine - and lots of it. If you like what we're, consider supporting our habit by buying us a cup of coffee: https://bmc.link/dcspThank you for all of your support!The Digital Customer Success Podcast is hosted by Alex Turkovic

Join AM Best and market executives for a discussion on the evolving global reinsurance landscape and an update on AM Best's global reinsurance outlook. The panel will share perspectives on the 2026 outlook and reflect on themes emerging from the recent renewal season. The conversation will touch on broader market developments, strategic considerations and the forces shaping reinsurer performance in the year ahead.

In Episode 119 of the Canadian Private Lenders Podcast, Ryan and Neal break down how mortgage renewals, higher rates, AI, open banking, fraud controls, and regulation are reshaping private and alternative lending across Canada. They explain why more borrowers are moving into private lending, how underwriting is evolving, and what lenders, brokers, and investors need to understand as they head into 2025–2026.This episode covers:• The mortgage renewal wave and rising payment shock• Why the private lending market share is growing• AI's real role in underwriting and fraud detection• Regulation, MICs, and institutional capital• Construction financing and market volatility• What the future borrower actually looks likeIdeal for mortgage brokers, private lenders, real estate investors, and anyone following Canadian housing and credit markets.Show Chapters:00:29 – Welcome to Episode 11905:09 – What does the future of private lending look like?05:48 – Why Canada's banking system is vulnerable to disruption06:15 – Alternative lending shifts beyond bad credit07:39 – Traditional mortgages are becoming commoditized08:09 – Will big banks acquire private lenders?09:40 – Mortgage renewals are pushing borrowers into private lending11:24 – Why high-LTV private lending is disappearing12:42 – Renewal payment shock explained15:29 – Private lending now makes up ~20% of Ontario mortgages16:51 – Volatility as the engine of private lending growth17:26 – Who the future private lending borrower is19:11 – Private lending is a timing tool, not a credit issue20:28 – Regulation is coming — what changes first21:14 – FSRA, disclosures, and broker responsibility25:39 – MICs, capital, and transparency expectations28:43 – Will fraud reduction push borrowers into private lending?31:14 – How AI actually fits into underwriting32:20 – The end of “trust-me” lending33:35 – Construction financing opportunities for private lenders37:13 – Three future scenarios for private lending in Canada39:11 – Final takeaways for lenders, brokers, and investors39:58 – Closing remarks and compliance disclaimerResources:Keystone Capital GroupCPLP Instagram: @cplpodcastKeystone Instagram: @keycapgroupFind Neal On:Instagram: @neal.andreinoLinkedIn: Neal AndreinoFind Ryan on:LinkedIn: Ryan MacNeilE-mail: ryan@keycap.ca

Feeling anxious about whether you'll be offered a contract for next year? You're not alone. In this episode, Dr. Anna and Dr. Beth address one of the most stressful aspects of being a new teacher: contract renewals and job security. The hosts share personal experiences with the nerve-wracking waiting period, explain typical district timelines for renewal notifications, and help you understand what factors are within your control versus systemic issues like budget cuts or enrollment changes. Learn when to be concerned, how to advocate for yourself through professional conversations with administrators, and practical strategies for managing the emotional toll of uncertainty. Whether you're hoping for renewal, facing non-renewal, or considering other options due to poor fit, this episode provides honest guidance for navigating this challenging time. Dr. Anna and Dr. Beth discuss what administrators actually look for in renewal decisions, how to demonstrate growth and professionalism, and actionable steps to take regardless of your situation—including strategic job searching while maintaining professionalism in your current role. If you're checking your mailbox obsessively or lying awake wondering about next year, this episode will help you focus your energy productively and remember that your worth as an educator isn't determined by a single contract decision. HASHTAGS #ContractRenewalTips #TeacherJobSearching #NewTeacherAnxiety #TeacherGrowthMindset #TeachingResilience #TeacherSelfcare #EducatorEmpowerment #Teaching Tips #NewTeachers #FirstYearTeacher #NewTeacherTalk #TeacherPodcast

Mortgage renewals in Canada are becoming a breaking point — not just financially, but emotionally. For many homeowners, higher payments aren't just a budget issue. They trigger stress, shame, and sleepless nights — especially when the numbers suddenly stop working at renewal time. This week, Vince challenges the most dangerous advice in today's market:the narrative - “Just hang on.” Sometimes waiting makes things worse. Options shrink, interest compounds, and stress builds. Selling, restructuring, or even renting isn't failure — it's a financial decision.For more information, be sure to visit https://www.owlmortgage.ca/ & https://wealthbuilders.realpm.ca/

Signup for RevUP Academy: https://www.thecustomersuccesspro.com/revupIn this episode of the Customer Success Pro Podcast, host Anika Zubair sits down with Emma Lambert, VP of Customer Success at Ably, to discuss the critical role of customer success in driving revenue. They explore how to turn renewals into predictable revenue forecasts, the importance of understanding customer engagement, and the strategies for effective upselling. Emma shares her insights on building a revenue-focused customer success team, the significance of financial literacy, and the necessity of asking direct questions during customer interactions. The conversation emphasizes the need for a structured approach to renewals and upsells, integrating them into a cohesive NRR strategy, and the value of continuous discovery throughout the customer journey.Chapters:00:00 Introduction 03:00 The Role of Customer Success in Revenue Generation05:55 Understanding Customer Engagement and Value Delivery09:06 The Importance of Forecasting in Customer Success12:10 Navigating the Commercial Landscape of Customer Success15:02 Building a Revenue-Focused Customer Success Team18:10 The Six-Month Renewal Framework21:10 Asking the Right Questions for Renewals24:09 Upselling Strategies in Customer Success26:55 Integrating Renewals and Upsells into NRR Strategy30:02 Best Practices for Revenue-Focused Customer Success32:56 Quick Fire Questions with Emma LambertConnect with Anika Zubair:Website: ⁠https://thecustomersuccesspro.com/⁠LinkedIn:  ⁠https://www.linkedin.com/in/anikazubair/⁠RevUP Academy: ⁠https://thecustomersuccesspro.com/revup⁠Connect with Emma Lampert: https://www.linkedin.com/in/emmalampert/Grab our FREE resources here: ⁠https://thecustomersuccesspro.com/resources⁠Want to be our next podcast guest? Apply here: ⁠https://www.thecustomersuccesspro.com/podcast-guest⁠Book Anika as a speaker at your next team event: ⁠https://www.thecustomersuccesspro.com/team-event

Enterprise IT and procurement teams start the year with big priorities; however without disciplined contract management and a clear view of services and spend, those good intentions may be lost as costs and risk can creep in, weakening your leverage. In this 11-minute episode of Staying Connected, Laura McDonald of LB3 joins Tony Mangino to walk through a practical New Year's "housekeeping" checklist to spotlight the steps teams should take to avoid missed credits, address chronic  service issues, build leverage, and tighten vendor governance so that the big priorities can be met without unnecessary friction. If you would like to learn more about our experience in this space, please visit our Network Services Transactions, Strategic Sourcing and IT Cost Management webpages. 

Let's be honest! Offering a discount feels easy. But that ease comes at a cost: you frame the renewal as a transaction rather than a relationship.In today's Multifamily Operator Tip of the Day, I unpack the renewal playbook that builds loyalty without relying on price cuts. Because the truth is, residents don't just renew for dollars, they renew for belonging.We talk through how to:-Lead with gratitude and context, not cost.-Reinforce the value of community, stability, and service.-Acknowledge any service gaps and share a realistic plan for improvement.-Shift the narrative from “what's the deal?” to “why stay?”Renewals should be conversations, not negotiations. When residents feel seen and supported, price becomes one factor—not the deciding one.The goal? Make concessions the exception, not the playbook.Like what you hear? Hit subscribe and keep showing up to lead with intention.Blog: https://www.multifamilycollective.comSupport comes from: https://www.365connect.com/?utm_campaign=mmnHosted by: https://www.multifamilymedianetwork.comPlus: why in-person events like RETCON https://retconference.com/ matter more now than ever.

The Mortgage Show on Vancouver Consumer - January 24, 2026 - Mortgage Renewals in 2026

Is 120 days too early to talk about renewals? Not if you value occupancy and pricing power.In today's Multifamily Operator Tip of the Day, we're resetting the mindset around renewal timing. The truth? Renewals aren't just a notice—they're a relationship.Some say the renewal convo should start at move-in. Others say 90 days. But I'm telling you, 120 days out with a thoughtful communication process is the sweet spot. Why? Because it gives residents time to reflect and gives your team time to execute.And here's your bonus: Automate it.Early outreach tells your residents one thing loud and clear: We're organized, we're confident, and we want you here.If you're investing in service, CapEx, and meaningful touchpoints, then starting early isn't a risk. It's a retention strategy.When residents feel seen, they respond with loyalty.Don't wait for the lease to expire to start the conversation. Renewals handled early turn relationships into commitments.Like this kind of insight? Hit that subscribe button and come back tomorrow for the renewal script that beats discounts every time.Blog: https://www.multifamilycollective.comSupport comes from: https://www.365connect.com/?utm_campaign=mmnHosted by: https://www.multifamilymedianetwork.com

“Why was Scooby-Doo involved in a failed proposal?” That's the question Ben Rogers, Jeff “Skin” Wade, Kevin “KT” Turner, and Krystina Ray tackle in this hilarious segment of The Ben and Skin Show.The crew dives into a viral moment from a Bootleg Rascal concert in Australia, where a fan's big romantic gesture goes spectacularly wrong—complete with an inflatable Scooby-Doo crashing the stage. Was it real heartbreak or an elaborate stunt? The hosts break down the clues, including the band's Instagram post and the suspiciously timed heartbreak anthem.From debating the etiquette of public proposals to sharing outrageous vow renewal stories (including a halftime wedding at a Mavs game!), this episode is packed with laughs, hot takes, and unforgettable.

Today we've got a packed episode... we're talking Pluribus' latest news and accolades, The quarter 1 TV release schedule, Cancellations and renewals, TV shows that are currently filming, and possibly a sad Silo update… plus much, much more. More BingetownTV Content!  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Check Out Our Podcast on Youtube! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Check Out Our Youtube Entertainment Channel! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Join the BingetownTV Community Discord (FREE)⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Follow us on Socials!  Instagram- ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/bingetowntv/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Twitter/X - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://twitter.com/bingetowntvpod⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ TikTok- ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.tiktok.com/@bingetowntv?_t=8gdE279ReTm&_r=1⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

Is this the year that the housing market breaks? Most homeowners who purchased their home in 2021 is up for renewal in 2026. In 2021, you could get an interest rate of 1.5%-2% on your mortgage, and today those same homeowners will be getting roughly 4-4.5% on their renewal. That will make a significant increase in their monthly mortgage payments. There is some prediction that with roughly 60% of all mortgages in Canada up for renewal in 2026, there's a significant number of homeowners who will not be able to handle the increase in their payments, which will then cause them to sell their home in 2026 or 2027. This will flood the real estate market with the supply (number of homes for sale) it needs and because of the significant increase in options for homebuyers, will drive down home prices across Canada. Andrew Hutchison and I look at what's coming over the next year, year and a half in the housing market, and go over different options you have for your mortgage renewals. As well as tips you can use to get yourself the best mortgage rate possible. Jason Paul902-220-7357jason@infinityrealestategroup.ca@jasonpaulhalifaxrealtorAndrew Hutchison902-240-7212andrew@hutchisonmortgages.ca

In this episode, Micah explains why tough renewals don't have to mean lost clients. He reveals how to start the renewal conversation, how to set expectations so clients don't lose their minds, and the exact communication cadence that keeps clients dialed in. If you're a producer who wants to learn how to navigate the tricky waters of tough renewals this episode is for you....

What if I told you your property's Wi-Fi could make or break your lease renewals?In this episode of the Multifamily Collective, I sit down with industry thought leader  @DomBeveridge  from https://20for20.com/ to unpack his latest whitepaper - [ https://lp.20for20.com/25-wp-wifi-sentiment-analysis?_gl=1*1ry3ptb*_ga*MTYwMTUzMzY1LjE3NjQxNjQ2OTM.*_ga_53YQRXE0K2*czE3NjU5MDAyMjYkbzMkZzEkdDE3NjU5MDAzMTAkajU3JGwwJGgw. ]Dom shares real, actionable insights from AI-driven sentiment analysis of over 30,000 resident interactions.Here's the punchline: there's a measurable link between poor Wi-Fi and resident churn. And not just mild dissatisfaction. We're talking 83% churn likelihood when outages become routine.But that's just the beginning.Dom walks us through how this study breaks from the traditional (and frankly, flawed) survey model (this was my favorite part of the interview!). He explains how new AI tools like ResiDesk are changing how we understand the resident experience by listening to what residents actually say, rather than boxing them into 1-to-10 scales.We cover:Why frequent Wi-Fi outages are a churn triggerThe fatal flaws of traditional surveysThe power of open-ended AI conversationsHow regulation is getting Wi-Fi all wrongAnd what owners/operators should do right nowIf you're a developer, owner, asset manager, or just someone trying to stay ahead of the PropTech curve, this episode is a must.The future of personalized service in Multifamily will be about letting AI show you what your residents already feel.If you found value in this conversation, hit that like button, subscribe to the channel, and share it with someone who needs to hear it. Let's keep pushing the conversation forward.

Ready to churn less and win more?

In today's episode, Kelly tears down one of the biggest myths in the online business world: that revenue is the ultimate marker of success. She explains why revenue on its own is an incomplete (and often misleading) measure, and why retention, reconversion, revenue quality, and gross margin are the real drivers of a sustainable, profitable business. You'll learn how two businesses with the same revenue can have a 5× difference in take-home income, why so many entrepreneurs unknowingly sabotage their profitability in pursuit of "more," and how to set deeply aligned, purposeful income and impact goals for 2026. Kelly also breaks down "The Four R's," the levers that expert-level business owners use to increase margins without increasing workload, and why this is the path to more peace, more profit, and more purpose in the coming year. TIMESTAMPS: 00:28 – 02:30 — How revenue fixation developed & the missing conversation around revenue quality 06:10 – 07:12 — The danger of chasing external revenue benchmarks 07:12 – 09:00 — The wild variance in take-home income at the same revenue level 09:00 – 10:40 — The hidden cost of constant revenue pursuit & why margin matters 12:15 – 13:56 — The 5X income opportunity hiding in your existing business 13:56 – 15:15 — The Four R's: Retention, Renewals, Referrals & Reactivations 15:15 – 17:00 — Why new customer acquisition is the least profitable path 18:20 – 19:30 — Reconversions: your lifetime value multiplier 19:30 – 20:30 — How mature CEOs vs. novice CEOs think about growth 20:30 – 21:20 — Permission to take a "season of excellence" instead of constant scaling RESOURCES: Learn more about our Virtual Business School Gold program, where we teach our Multiplier Method to increase customer lifetime value and scale while growing profits: https://go.virtualbusinessschool.com/gold Have questions about the program? Email Nicole, our program director, at nicole@kellyroachinternational.  Join Kelly's FREE weekly email newsletter: https://kellyroachinternational.kit.com/news  Follow Kelly on Instagram: https://www.instagram.com/kellyroachofficial/  Follow Kelly on Facebook: https://www.facebook.com/kelly.roach.520/  Connect with Kelly on LinkedIn: https://www.linkedin.com/in/kellyroachint/ 

Become a supporter of this podcast: https://www.spreaker.com/podcast/the-good-morning-portugal-podcast-with-carl-munson--2903992/support.Need help in Portugal? Contact Carl by phone/WhatsApp on (00 351) 913 590 303, email carl@carlmunson.com or join the Portugal Club community here - www.theportugalclub.com

Become a supporter of this podcast: https://www.spreaker.com/podcast/the-good-morning-portugal-podcast-with-carl-munson--2903992/support.Need help in Portugal? Contact Carl by phone/WhatsApp on (00 351) 913 590 303, email carl@carlmunson.com or join the Portugal Club community here - www.theportugalclub.com

Open Discussion!

Diane & Andy talk WICKED FOR GOOD, ETERNITY, JAY KELLY on the movie side and PLURIBUS, BravoCon, ALL HER FAULT, THE MORNING SHOW, and more on the TV side. Plus: info about early December TV.!

Pete, Dave and Paul discuss the very comfy 3-0 win over Swansea, the return of key injured men, and what the club need to do to tie down Vyner & Mehmeti to new deals. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Chris and Andy talk about the ongoing bidding war for Warner Bros. Discovery and the news that Netflix's offer would include theatrical releases (5:31), before reacting to the various renewal announcements from HBO including ‘Task' and both ‘Game of Thrones' spinoffs (12:23). Then they discuss the Netflix miniseries ‘The Beast in Me,' starring Claire Danes and Matthew Rhys (30:51). Later, they check in on ‘The Chair Company' (51:45) and ‘I Love LA' (53:53). Subscribe to the Ringer TV YouTube channel here for full episodes of The Watch and so much more! Hosts: Chris Ryan and Andy Greenwald Producers: Kaya McMullen and Kai Grady Additional Video Supervision: Sarah Reddy Learn more about your ad choices. Visit podcastchoices.com/adchoices

Ash sits down with Luke Oyler from CARR, a company specializing in dental real estate services. The conversation centers around how dental professionals can make smarter decisions when leasing or purchasing practice locations, highlighting the importance of working with expert advisors. Luke explains how CARR advocates for dentists, negotiates key aspects of their leases—including base rent, tenant improvement allowances, and free rent—and brings market insights to help avoid costly mistakes.The episode also covers strategies for lease renewal and negotiation. Luke stresses the need for dentists to start planning at least a year in advance to maintain leverage, especially given the high costs and complexity of moving a dental office. The discussion clarifies that CARR's services typically come at no cost to the client, as agents' fees are paid by landlords. Additional topics include how CARR supports clients throughout the process, keeps track of important timelines, and provides access to a network of trusted professionals in areas like lending, construction, and accounting.To find out more, you can visit: https://carr.us/Importance of negotiating base rent and advertised lease ratesTenant improvement allowance and how it impacts startup costsFree rent periods and working capital for new practicesLease renegotiation strategies and how to keep leverageTiming for approaching lease renewalHow professional dental real estate agents are compensatedTracking leases and proactive renewal remindersAsking for tenant improvement allowances during renewals

Mac Shelton is the co-founder of Sweetbay Capital, a real estate private equity firm focused on value-add multifamily investments in Virginia and the Carolinas. With a background in private equity and mezzanine lending, Mac blends institutional financial experience with a data-driven approach to real estate. Since 2021, he and his team have built a portfolio of over 340 units, concentrating on under-the-radar markets like Roanoke, VA, where rent growth consistently outpaces new supply.     Make sure to download our free guide, 7 Questions Every Passive Investor Should Ask, here.     Key Takeaways Rent growth—not population growth—is the key driver of returns Markets with less outside capital often outperform due to better entry pricing and lower volatility Renovation premiums are often overestimated—test before scaling your plan Conservative exit underwriting should account for the next buyer's view, not just your own Transparency with investors builds trust and fuels long-term partnerships     Topics Why Sweetbay Focuses on Smaller Markets Smaller markets like Roanoke and Columbia are producing higher rent growth with lower acquisition costs Mac compares tertiary markets to places like Raleigh in the early 2000s—under the radar but primed for stable returns Oversupply in "hot" metros like Raleigh and Charlotte is driving rents down, while less popular markets remain steady Data Over Hype: What Drives Rent Growth Rent growth is more important than population growth and is driven by renter population relative to new supply Mac shares an analysis comparing Roanoke to Raleigh, Charlotte, and Greenville—showing similar or better rent performance with lower price per door Why Lease Trade-Outs and Renewals Matter Lease trade-outs measure organic rent growth, but renewals give even clearer insight into demand Renewals at 3–4% growth without renovations are often a better gauge than turnover metrics Exit Assumptions: Thinking Like the Next Buyer Every acquisition includes a re-underwrite from the future buyer's perspective Mac shares how he checks cap rate assumptions against current comps and validates price-per-door benchmarks Transitioning from Private Equity to Real Estate Mac started his career in private equity and gradually began acquiring rentals with his bonus income His first syndication scaled a student rental model he'd already executed personally Investor Communication and Building Trust Sweetbay Capital emphasizes detailed offering memorandums with full fee transparency and CapEx justifications Quarterly reports compare actuals vs original projections—no adjusted budgets or post-hoc explanations Advice for New Syndicators Don't start syndicating without doing your own deals first—prove the model with your money Sweetbay's first deal had no promote, just a 3% acquisition fee, to reduce friction and earn investor trust The best way to grow capital is to return it and reinvest with a strong track record    

Building Loyalty at Every Step of the Customer Journey   Shep interviews Melissa Puls, Chief Marketing Officer and Senior Vice President of Customer Success and Renewals at Ivanti. She talks about the importance of customer success, the subscription business model, and how AI is transforming customer experience.   This episode of Amazing Business Radio with Shep Hyken answers the following questions and more:   1.  What is customer success? 2. What is the difference between customer success and customer support? 3. Why is it important to start the customer success process as soon as a deal is signed? 4. What impact does proactive customer service have on customer satisfaction and loyalty? 5. How can businesses use a subscription model to build long-term customer relationships? Top Takeaways:    ·       A business isn't just about making money. It's about getting and keeping customers. Profit will result when you serve your customers well.  ·       Customer success is different from customer support. Customer support helps when there's a problem or technical issue, but customer success aims to keep problems from happening in the first place. Customer success teams work with customers from the beginning of the relationship to make sure they are fully utilizing the features of a product to serve their business. They proactively reach out before issues even become problems.  ·       The renewals don't start when a subscription ends. They begin with the very first interaction, making sure that customers are happy and using the product well from the start. When customers are happy, the decision to keep doing business with you becomes easy.  ·       The best companies try to anticipate issues and reach out before they happen. Checking in, providing helpful information, and teaching customers how to get the most from your product are what create loyal customers.  ·       Companies can use data and technology, such as AI, to spot patterns in customer behavior and predict what customers will need next. By paying attention to how customers use a product and when they might need help, businesses can step in with support before a small issue becomes a big problem. This reduces customer churn by giving them confidence that your team will be there for them when needed.  ·       Delivering a great customer experience takes teamwork across marketing, sales, support, and customer success. All parts of the company need to work together to deliver a consistent, high-quality experience.  ·     Plus, Shep and Melissa discuss how every business, regardless of industry, can successfully adopt a subscription model that keeps customers coming back. Tune in! Quotes:   "Customers buy from other customers. Create advocates in your customer base." "The most exciting thing about customer experience is to be able to correlate and collect information that your customers give you to make their experience better." "Many people confuse customer success with customer support. In reality, customer success is about proactively ensuring customers never need to call support unless there's a genuine technical glitch." "Anticipate your customer's needs before they even know they need it. Use the data and technology like AI to predict issues and churn so that you can get more productive." "The best companies out there put customers at the center of everything they do. That is how they are going to grow today and into the future."   About:  Melissa Puls is the Chief Marketing Officer and Senior Vice President of Customer Success and Renewals at Ivanti, overseeing the entire customer journey from awareness to renewal. She is focused on helping companies enhance every stage of the customer experience. Shep Hyken is a customer service and experience expert, New York Times bestselling author, award-winning keynote speaker, and host of Amazing Business Radio.     Learn more about your ad choices. Visit megaphone.fm/adchoices

Our sister publication Reinsurance News spoke with Nikhil da Victoria Lobo, Head of P&C Reinsurance for Western & Southern Europe and Middle East & Africa at industry giant Swiss Re in the run up to the annual Baden-Baden reinsurance event about market dynamics across his regions. Swiss Re will have a key focus on stability and consistency during its negotiations with clients at the 2025 Baden-Baden Reinsurance Meeting, as the market navigates underlying strengths and challenges ahead of the key January 1st renewal season, da Victoria Lobo explained. The discussion covered supply demand dynamics, the outlook for the 1.1 renewals, rising secondary perils and frequency covers, emerging technologies such as AI, as well as the role of innovative structures like parametric risk transfer, and more. Listen to this podcast episode for a Reinsurance News conversation with da Victoria Lobo of Swiss Re  to hear more on the January reinsurance renewals, the impacts of secondary perils and whether this signals a return to frequency covers, what reinsurers need to do to ensure they keep meeting their cost of capital in the softening environment, and also the role of emerging technology and some of the biggest challenges and opportunities for P&C reinsurance heading into 2026.

Southwest Michigan's Morning News podcast is prepared and delivered by the WSJM Newsroom. For these stories and more, visit https://www.wsjm.com and follow us for updates on Facebook. See omnystudio.com/listener for privacy information.

On today's episode we talk about the new Pluribus trailer as we approach the premier November 7th, the big updates for a few renewals and Jimmy gives an update The Last Frontier. More BingetownTV Content!  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Check Out Our Podcast on Youtube! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Check Out Our Youtube Entertainment Channel! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Join the BingetownTV Community Discord (FREE)⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Follow us on Socials!  Instagram- ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/bingetowntv/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Twitter/X - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://twitter.com/bingetowntvpod⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ TikTok- ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.tiktok.com/@bingetowntv?_t=8gdE279ReTm&_r=1⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Support the Pod! Patreon- ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.patreon.com/bingetowntv⁠⁠⁠⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

The best product leaders don't start in product—they start in customer success.Nick Mehta, former Gainsight CEO, sits down with PathFactory's CPO & CCO, Venk Chandran, who built his product career from the ground up in CS. Venk reveals why working backwards from renewals changes everything, how CS teams can drive AI adoption with their customers, and why websites are dying in the age of AI agents. Plus: the art of asking better questions, the emotional differences between CS and product roles, and what we owe our customers in the era of AI.WHAT YOU'LL LEARN:- Why starting your career in renewals teaches you to work backwards from value- How customer success is fundamentally a financial business (and why that matters)- Why AI agents are replacing websites as the primary B2B buying experience- How to help customers adopt AI when they're used to manual workflows- The difference between outbound and inbound product managers (and why you need both)- Why is delayed gratification in product harder than the instant wins of CS- How to retrain yourself (and your customers) to ask better questions of AI---Check out the Key Takeaways & Transcripts: https://www.gainsight.com/presents/series/unchurned/---Where to Find Venk:LinkedIn: https://www.linkedin.com/in/venkchandran/Where to Find Nick:LinkedIn: https://www.linkedin.com/in/nickmehta/Where to Find Josh: LinkedIn: https://www.linkedin.com/in/jschachter/--- In this episode, we cover:0:00 - Preview & Introduction 1:10 - Venk's Journey From Radio Waves to Product Leadership 7:37 - How Venk Jumped From HR Tech → Sales → CS → Product (and Made It Work)10:32 - Learning at Salesforce: The Surprising Lesson Venk Learned From Renewals12:05 - Why CS Is a Financial Business First — The Real Definition of Customer Value15:19 - CS to CPO: 3 Game-Changing Skills That Make the Transition Possible17:05 - CS vs. Product: The Emotional Shift No One Talks About19:51 - PathFactory's Big Vision — Connecting Content Directly to Revenue (With AI!)22:28 - Why Websites Are Dying — And What's Replacing Them25:35 - Truth, Transparency & Trust: What We Owe Each Other in the AI Era26:51 - The AI Adoption Problem: Why CS Teams Struggle With Change Management31:35 - The Art of Asking Better Questions ---Referenced:Salesforce - https://www.salesforce.com/Perplexity - https://www.perplexity.ai/ChatGPT - https://chat.openai.com/

Book Anika for your next CS Team Workshop or Event: https://www.thecustomersuccesspro.com/team-eventIn this episode of the Customer Success Pro Podcast, Anika Zubair discusses the critical role of handling objections during the renewal process. She emphasizes that objections should be viewed as opportunities for engagement rather than roadblocks. Anika shares common mistakes made by customer success professionals when faced with objections and provides effective strategies for addressing them. The episode concludes with a call to action for listeners to practice their objection-handling skills to enhance their confidence and effectiveness in renewal conversations.Chapters00:00 Transforming Objections into Opportunities03:31 Understanding the Renewal Process10:24 Common Mistakes in Handling Objections16:04 Effective Strategies for Objection Handling19:10 Weekly Challenge and ConclusionConnect with Anika Zubair:Website: https://thecustomersuccesspro.com/LinkedIn:  https://www.linkedin.com/in/anikazubair/CSM RevUP Academy: https://thecustomersuccesspro.com/revupSend Anika a text :) Grab our FREE resources here: https://thecustomersuccesspro.com/resources Want to be our next podcast guest? Apply here: https://www.thecustomersuccesspro.com/podcast-guest Book Anika as a speaker at your next team event: https://www.thecustomersuccesspro.com/team-event

Renewals are one of the easiest and most reliable ways to grow your income — no funnels, no ads, no cold calling, no endless new-client hustle. In this episode, I'm diving into how to make renewals a natural, ongoing part of your business so you can have steady income, deeper relationships, and more time doing the transformational work you love. We'll look at what actually creates renewals (and what doesn't), how to navigate the energetic fears that often arise, and the practical process that makes clients say yes again and again. In this episode, you'll learn: Why renewals are the simplest and most reliable sale you'll ever make The #1 key to client renewals Nagivating the energetic fears that can arise (“Will I seem needy?” “What if they can't afford it?”) The anatomy of a renewal process: timing, invitation, and how to lead the conversation with ease and confidence A step-by-step flow for renewal sales conversations When you learn the art of client renewal, you build a business grounded in ease, mastery, and genuine relationships — one where your best clients stay, thrive, and grow with you. (And if you want the full step-by-step script and protocol for renewal conversations, I teach it inside Sacred Depths — so you can bring this art to life in your own practice.) FOLLOW JOANNA   applieddepthinsitute.com   instagram.com/joanna.lindenbaum   The Coaching r(E)volution Facebook Group   RATE, REVIEW, SHARE & FOLLOW (I so appreciate it!)   If you love me and the podcast, please consider rating and reviewing my show! And also sharing it with others who would love it. It makes a difference and helps us reach more people who will find the podcast valuable. Be sure to give it 5 stars and post a comment and let us know what you loved most about the episode!   Join our newsletter community and get a copy of 55 Effective Breakthrough Coaching Questions   The Sacred Depths Transformational Practitioner Training is starting soon!  

In this episode of the CPQ Podcast, Frank Sohn welcomes Adam Wainright, a veteran with 15+ years in the Configure, Price, Quote (CPQ) space, now helping lead HubSpot's CPQ and revenue strategy. Adam shares his career journey across Selectica/Determine, CallidusCloud, Clari, Cacheflow (acquired by HubSpot), and beyond. Adam discusses: HubSpot's CPQ launch at INBOUND and how it delivers speed, visibility, and control to sellers and revenue operations teams. Why their North Star is Revenue Operations—and how HubSpot is building a complete Revenue Lifecycle Management solution. Lessons learned from scaling companies from $7M to $200M in revenue, navigating multiple M&As, and leading global sales teams. His “Supersonic Sales Process” philosophy, with the mantra: Don't pitch product—pitch process. The role of AI in CPQ, from conversational quote builders to revenue governance. Personal insights on leadership, active listening, and balancing life in Marina, CA with family, running, and hiking Big Sur. If you're interested in HubSpot CPQ, Revenue Operations, or the future of Revenue Lifecycle Management, this episode offers valuable insights into strategy, technology, and customer success.

Joe's Premium Subscription: www.standardgrain.comGrain Markets and Other Stuff Links-Apple PodcastsSpotifyTikTokYouTubeFutures and options trading involves risk of loss and is not suitable for everyone.0:00 Trump/Xi Call1:59 Tariff Revenue for Farmer Bailout3:41 H-1B Visa Plan6:42 2026 Acres8:20 China Soy Imports9:59 The Funds10:47 Flash Sale11:11 Cattle on Feed

As coaches, we want every client session to be as effective as possible—because effective sessions mean deeper transformation for our clients, more satisfaction in our work, and what I call the 3 R's: Referrals, Renewals, and Reputation. When your sessions truly move clients forward, they'll want to keep working with you, refer others to you, and speak highly of your impact. In this episode, I'm sharing 3 powerful tips you can use right away to make your sessions more effective. These are practices I teach inside the Sacred Depths Transformational Practitioner Training, and they'll help you create more focus, integration, and momentum with your clients. Here's what you'll learn: A simple but often overlooked way to start sessions that can save you time and create more satisfying outcomes. A crucial layer of transformation that most coaches miss—and why real change doesn't happen without it. A subtle shift in how you support clients that builds ownership, empowerment, and lasting breakthroughs. These three practices may sound simple, but they're transformative when woven into your sessions with skill and consistency. They'll help you feel more masterful as a practitioner and help your clients create breakthroughs that last. LINKS I MENTIONED:   Sacred Depths Transformational Practitioner Training   The Art of Client Transformation   Hang out with me!   On Instagram On The Coaching Revolution on Facebook