Podcasts about renewals

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

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.

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.

In 2026, about 1.15 million Canadians hit renewal, but the bigger danger is many will be TRAPPED because their home value dropped and their loan to value may be above 80%, meaning they cannot switch lenders even with perfect payment history. Banks track your equity, so if you are trapped, your negotiating power disappears and refinancing or HELOC plans can get blocked or reduced. The fix is to check your current value and loan to value early, talk to a broker 6 months ahead, and consider options like alternative lenders, product changes, or extending amortization to manage payment shock.

This week on Move Smartly, I'm joined by Doug Hoyes, Licensed Insolvency Trustee and co-founder of Hoyes, Michalos & Associates, one of the most experienced consumer debt relief firms in Canada. Doug works on the front lines with households facing financial distress, giving him a real-time look into what's happening beneath the surface of the economy — long before it shows up in official data. We unpack what he's seeing inside his practice today: who's struggling, what's driving the rise in consumer proposals and bankruptcies, and how closely those trends are connected to housing costs, mortgage renewals and rising debt loads. We discuss the growing role of HELOCs, the psychology of debt in a real-estate-obsessed culture, and whether insolvency trends could signal more forced home sales and pressure on the housing market in 2025. This is an important conversation for anyone following the housing market, the growing financial strain facing Canadian families, and the economic risks building beneath the headlines. Follow John x-twitter: https://x.com/JohnPasalis, Instagram @john.pasalis or email: askjohn@movesmartly.com Follow the show on x-twitter: @MoveSmartly, Instagram @move.smartly  About This Show The Move Smartly show is hosted by John Pasalis, President and Broker of Realosophy Realty. MoveSmartly.com and its media channels on YouTube and various podcast platforms are powered by Realosophy Realty in Toronto, Canada. You can also watch this episode on our MoveSmartly YouTube channel here: https://www.youtube.com/movesmartly If you enjoy our show and find it useful, please like, subscribe, share, review and comment on whatever platform you are watching or listening to us from - we appreciate your support!

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!

Extreme weather events including torrential rain, flooding, landslides, heat waves and bushfires, as well as longer term changes such as increasing temperatures and sea level rise, take a dramatic toll on our transport infrastructure and the functioning of our road infrastructure networks. This webinar introduced the findings of the Austroads research project ESC6516 Research Climate Change and Natural Hazards Resilience Needs and Guidance Approaches. The project considered resilience across the full transport system lifecycle – Policy, Strategy and Planning, Business Case & Investment, Design and Construction, Network Operations, Maintenance and Renewals, and Monitoring and Evaluation. Through stakeholder consultation and a global literature review, the report sets out a series of recommendations for the strategic development of Austroads guidance to holistically improve the resilience of the land transport system to climate change and natural hazards (CCNH). The webinar shared the projects recommendations on: the definition of a resilient transport system foundational gaps to achieving transport system resilience the model and roadmap for Austroads' guidance development to address these gaps. Whether you're new to CCNH resilience or working to embed it within any part of the transport system lifecycle, this webinar will help you understand how Austroads approach to guidance development will support the development of a resilient transport system.

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

Become a supporter of this podcast: https://www.spreaker.com/podcast/the-good-morning-portugal-podcast-with-carl-munson--2903992/support.Let us help you find YOUR home in Portugal...Whether you are looking to BUY, RENT or SCOUT, reach out to Carl Munson and connect with the biggest and best network of professionals that have come together through Good Morning Portugal! over the last five years that have seen Portugal's meteoric rise in popularity.Simply contact Carl by phone/WhatsApp on (00 351) 913 590 303, email carl@carlmunson.com or enter your details at www.goodmorningportugal.com And join The Portugal Club FREE here - www.theportugalclub.com

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!  

Become a supporter of this podcast: https://www.spreaker.com/podcast/the-good-morning-portugal-podcast-with-carl-munson--2903992/support.Let us help you find YOUR home in Portugal...Whether you are looking to BUY, RENT or SCOUT, reach out to Carl Munson and connect with the biggest and best network of professionals that have come together through Good Morning Portugal! over the last five years that have seen Portugal's meteoric rise in popularity.Simply contact Carl by phone/WhatsApp on (00 351) 913 590 303, email carl@carlmunson.com or enter your details at www.goodmorningportugal.com And join The Portugal Club FREE here - www.theportugalclub.com

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.

Whether you're newly settled or have been enjoying life in Portugal for some time, it's important to stay informed about your residency status — especially if you're living here on a D7 visa.As the immigration system continues to evolve, particularly with the transition from SEF to AIMA, the renewal process can feel a bit uncertain. Requirements may shift, appointment availability can vary, and timelines aren't always clear. That's why planning ahead is more important than ever.Don't risk delays or rejections — join special guests from Ei! Migration Agency for a must-attend webinar that breaks down the latest AIMA requirements and renewal procedures.What You'll Learn:Whether a NISS number is now required for D7 renewalsHow to get a NISS and Chave Móvel Digital — online or in personWhat AIMA expects in terms of bank statements, income, and spendingWhat documents homeowners and renters must provideWhether responsibility agreements and notarised documents are neededHow Portugal is handling NHR commitments for existing residentsWhat to do if only one spouse is listed on the lease or deedHow to prove residency and tax compliance effectivelyRenewing your D7 visa doesn't have to be stressful — but it does require preparation. Understanding what's expected and when to act can help you avoid unnecessary delays and keep your residency on track.Sign up for Expats Portugal at - https://expatsportugal.com/#pricing-containerBecome a supporter of this podcast: https://www.spreaker.com/podcast/the-good-morning-portugal-podcast-with-carl-munson--2903992/support.Let us help you find YOUR home in Portugal...Whether you are looking to BUY, RENT or SCOUT, reach out to Carl Munson and connect with the biggest and best network of professionals that have come together through Good Morning Portugal! over the last five years that have seen Portugal's meteoric rise in popularity.Simply contact Carl by phone/WhatsApp on (00 351) 913 590 303, email carl@carlmunson.com or enter your details at www.goodmorningportugal.com And join The Portugal Club FREE here - www.theportugalclub.com

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

What if missing a payment by one cent could cost a company its billion-dollar patent? This eye-opening conversation with Mads Vibor Jørgensen, CEO and co-founder of PatentRenewal.com (https://www.patentrenewal.com), reveals the hidden complexities of global intellectual property management and how specialized technology is transforming this critical but overlooked field.Most people assume patent renewals work like domain names – just enter your credit card information and you're done. The reality couldn't be more different. As Mads explains, companies seeking global protection must complete separate renewals annually in up to 240 jurisdictions, each with unique processes, laws, and payment requirements. One small error can result in losing valuable intellectual property rights worth millions or even billions.Through his experience leading a global organization for young engineers and scientists, Mads discovered that the world's brightest minds were being bogged down by bureaucracy rather than focusing on solving important problems. This insight led him to create PatentRenewal.com, which combines specialized legal technology with sophisticated financial systems to navigate the labyrinthine world of global patent renewals.The financial complexity is staggering – payments must be in exact local currencies with precisely formatted information. In Japan, renewals require physical letters using the Japanese imperial calendar system. These peculiarities make standard payment solutions inadequate and create opportunities for hidden fees, particularly in currency exchange where providers might charge 2-5% on transactions across a $150-200 billion market.What's particularly fascinating is PatentRenewal.com's thoughtful technology approach. Rather than rushing to implement a wholly generative AI system, PatentRenewal.com (i) built a more hybridized system that features an expert system-first set of tools that optimize for reliability and (ii) combined those tools with a parallel generative AI system to perform follow-on auditing functions. This hybrid model offers valuable insights for anyone building mission-critical legal technology.Whether you're a legal tech entrepreneur, IP professional, or innovator protecting your ideas, this episode offers valuable insights into building global solutions, market education challenges, and the critical importance of hiring exceptional talent. Subscribe now to the Legal Tech StartUp Focus Podcast (https://legaltechstartupfocuspodcast.buzzsprout.com) to hear more conversations with pioneers transforming the intersection of law and technology.

The Friday Five for September 19, 2025: Wrapping up the 2025 Ritter Summits Compliant Compensation for Medicare Sales, Renewals, or Services New Features for Spotify Free & Premium Introvert, Extrovert, Ambivert… Otrovert? Announcing the Launch of IntegrityCONNECT     Get Connected:

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  

Scaling teams inside matrixed organizations is rarely about speed alone. Shane Hughes, Head of Customer Success at LinkedIn and former Salesforce executive, argues that real growth comes from slowing down to coach with intention, aligning stakeholders early, and focusing relentlessly on customer value. In this conversation, he shares how leaders can avoid the trap of “chasing renewals” and instead build advocacy from the start by connecting adoption to measurable business outcomes.Shane also pulls from his experience leading teams that grew revenue from millions to billions to highlight what separates managers from true coaches. He explains why curiosity is the foundation of influence, how consistency compounds impact, and why high performers act more like consultants than communicators. Whether you're a CRO, frontline manager, or rep aiming to lead, his lessons offer a clear path to scaling without losing your edge.Key Takeaways1. Renewals are won early, not saved late – Retention isn't about heroics at the end of a contract; it's about shaping value in the first months after a deal closes.2. Adoption does not equal value – Usage is necessary but meaningless unless it connects to the customer's defined business outcomes.3. Curiosity drives advocacy – The best customer success leaders don't just communicate; they ask sharp questions that reframe problems and uncover hidden opportunities.4. Coaching beats chasing – Managers who focus on coaching their teams to think like consultants create consistent impact, while those who chase activity confuse motion with progress.5. Slow down to speed up – Scaling in matrixed organizations requires alignment and influence across stakeholders; patient lobbying accelerates outcomes later.6. Consistency compounds – Small, repeatable practices in coaching and customer engagement build long-term trust and measurable growth.7. Leaders must coach across, not just down – True leadership requires influencing peers and executives in addition to managing direct reports.

Dave is joined by Domingos for another chaotic buffet of TV, film and streaming chat. Expect assassins, politicians, medieval monarchs, body-swapping mums and one very busy Tom Cruise.Timestamps00:01 – Intro Dave and Domingos reunite after the summer break. Spoiler: they've been watching a lot of telly.00:03 – The Assassin (Prime Video) Keeley Hawes retires to Greece but accidentally signs up for the Jason Bourne lifestyle package. Freddie Highmore joins in for some awkward mother-son bonding, with explosions.00:08 – Hostage (Netflix) Suranne Jones runs the country, Julie Delpy runs France, and both of them run out of patience when kidnappers get involved. Political drama with actual bombs instead of just metaphorical ones.00:12 – Freakier Friday (Disney) Jamie Lee Curtis and Lindsay Lohan are back, dragging daughters and a granddaughter into magical body-swap mayhem. Features more heart than expected and, most importantly, Manny Jacinto dancing.00:17 – Wednesday (Netflix) Jenna Ortega returns, joined by Joanna Lumley, Billie Piper, Steve Buscemi and Lady Gaga. At this point Nevermore Academy needs a bigger staffroom.00:20 – I Know What You Did Last Summer 2025 (Cinema) Jennifer Love Hewitt and Freddie Prinze Jr. relive their trauma while a new generation learns that living in their town is basically a death sentence.00:25 – Mission: Impossible – Final Reckoning (Home release) Tom Cruise waves goodbye to Ethan Hunt by clinging to planes, diving underwater and ignoring the concept of retirement.00:31 – King and Conqueror (BBC) A shiny retelling of 1066 with James Norton and Nikolaj Coster-Waldau. Less Chernobyl, more fanfic with swords.00:35 – Peacemaker Season 2 (Sky/Now) John Cena returns with new helmets, new chaos and a fresh multiverse twist. The new intro sequence is already a contender for “greatest nonsense on TV.”00:40 – TV & Film News Netflix cancels Wolf King. Dexter gets chopped in half, with Original Sin gone but Resurrection still twitching. Renewals galore, including The Institute, Department Q and Gangs of London. Edinburgh TV Festival drops news on Sky's War and Channel 4's Number 10 and Army of Shadows. The Beatles are back too, because they never left.00:52 – Air Date Highlights This week brings The Terminal List: Dark Wolf, Atomic, My Life With The Walter Boys Season 2, It's Always Sunny in Philadelphia Season 17, The Guest on BBC One and boxset comfort food in the form of Parks & Recreation and Superstore.01:04 – Outro Where to find Domingos, Dave, Matt and Darryl online. Spoiler: everywhere.You can listen to Geektown Radio Episode 470 on Acast, Apple Podcasts, Spotify, or your podcast app of choice.Support this show http://supporter.acast.com/geektown. Hosted on Acast. See acast.com/privacy for more information.

Do you really own your brand? Are your client contracts actually protecting you? In this episode of Millions Were Made, Jessica Marx sits down with Autumn Witt Boyd, attorney and Founder of AWB Law Firm, to break down the biggest legal mistakes founders make and how to fix them before it costs you.From outdated contracts to missing trademarks, Autumn shares exactly what to audit, upgrade, or document before you scale to 8 figures or prepare for an exit. They also dive into real-life stories of founders who got burned by DIY legal, what every business should have in writing (but doesn't), and why it's not enough to ‘trust your gut' when it comes to protecting your intellectual property.Whether you're making your first hire or getting your company exit-ready, this episode will help you future-proof your business legally without getting overwhelmed by the fine print.Highlights:(02:05) Why 7 & 8 figure founders are still missing key legal protections(04:08) What goes in a strong client contract (and what everyone forgets)(07:29) Renewals, addendums, and protecting your payment terms(08:10) Why a handshake or email isn't enough(10:45) How to create paper trails that prevent client disputes(11:07) The risk of copying contracts from competitors or using AI(13:02) What your lawyer should help you decide—not just draft(14:15) The 4 legal documents you need to review yearly(17:11) The truth about trademarks: timing, costs & common myths(18:40) What's copyright vs trademark—and what's worth protecting(21:29) Real client stories: getting ripped off by a big company(23:16) What to do when someone copies your content or offer(25:34) Most common lawsuits (and how to avoid them)(27:56) Contractor risks no one talks about(28:33) What buyers look for in due diligence (and what kills deals)(30:38) How to increase your exit valuation with legal systems(31:04) Autumn's #1 tip for building a company that lasts(32:50) The freedom entrepreneurship gave Autumn's family(35:30) How networking (not pitching) creates real growthConnect with Jessica:Instagram: @millionsweremade | @thejessicamarxWork with Jessica: Tailored PremierWebsite: Millions Were MadeConnect with Autumn:Website: awbfirm.comInstagram: @awbfirm

Stay in touch with clients, expand your network, and grow your business with these email communication tools!   Read the text version    Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.   Email Communication Resources: AgencyBloc AgentMethods' AMPlify Canva Constant Contact Google Workspace MailChimp MedicareCENTER Microsoft 365 ReminderMedia Ritter Insurance Marketing SquareSpace Zoho Mail   Ritter Resources: Are Your Medicare Marketing Materials Compliant? Content Library Insurance Agents as TPMOs: What CMS Compliance Regulations Mean for You Modern Medicare Marketing for Today's Agents - FREE eBook Download The Ritter Blog   References: “Agency Management System/CRM for Health & Life Insurance: Agencybloc.” AgencyBloc Insurance Agency CRM, https://www.agencybloc.com/. Accessed 22 July 2025. AgentMethods. “Insurance Marketing Automation - Increase Sales, Renewals, and Referrals.” AgentMethods, https://www.agentmethods.com/amplify/. Accessed 22 July 2025. “Can-SPAM Act: A Compliance Guide for Business.” Federal Trade Commission, 22 July 2025, https://www.ftc.gov/business-guidance/resources/can-spam-act-compliance-guide-business. CANVA: Visual Suite for Everyone, https://www.canva.com/. Accessed 22 July 2025. “Digital and Email Marketing Platform | Constant Contact.” Constant Contact, https://www.constantcontact.com/. Accessed 22 July 2025. “Email Marketing Tools & Templates.” Squarespace, https://www.squarespace.com/email-marketing. Accessed 22 July 2025. “Email Users Statistics and Facts.” Market.Us, 18 Nov. 2024, https://market.us/statistics/internet/email-users/. “Gmail: Private & Secure Email for Personal or Business | Google Workspace.” Google, Google, https://workspace.google.com/products/gmail/. Accessed 22 July 2025. “Health Insurance Portability and Accountability Act (HIPAA) & Health Information Technology for Economic and Clinical Health (HITECH) Act - Microsoft Compliance.” Microsoft Compliance | Microsoft Learn, https://learn.microsoft.com/en-us/compliance/regulatory/offering-hipaa-hitech. Accessed 22 July 2025. “Medicare Marketing Guidelines.” CMS.Gov, Centers for Medicare & Medicaid Services, https://www.cms.gov/medicare/health-drug-plans/managed-care-marketing/medicare-guidelines. Accessed 22 July 2025. “Microsoft Outlook (Formerly Hotmail): Free Email and Calendar: Microsoft 365.” Microsoft Outlook (Formerly Hotmail): Free Email and Calendar | Microsoft 365, https://www.microsoft.com/en-us/microsoft-365/outlook/email-and-calendar-software-microsoft-outlook. Accessed 22 July 2025. “Personally Branded Marketing 2025.” ReminderMedia, 10 Mar. 2025, https://remindermedia.com/. “Secure Business Email Hosting for Your Organization: Zoho Mail.” Zoho, https://www.zoho.com/mail/. Accessed 22 July 2025. “Turn Emails into Revenue.” Mailchimp, https://mailchimp.com/. Accessed 22 July 2025.   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance     Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/   Not affiliated with or endorsed by Medicare or any government agency.

Okay, to review from Part 1 of this conversation, and if you didn't listen to it because you think you know how this whole skyrocketing healthcare costs thing works, let me tell you, I myself had a few revelations. So, go back and listen. For a full transcript of this episode, click here. If you enjoy this podcast, be sure to subscribe to the free weekly newsletter to be a member of the Relentless Tribe. But to be fair, if you didn't already, sure, fine. Listen to Part 2 here first and then do it backwards. It probably won't make that much difference, except you'll need to contend with me totally ruining the Part 1 suspense because here's the negative flywheel, starting with the axle. Employers and other plan sponsors have been convinced to buy discounts, including discounts or discounts by their other aliases: rebates and probably shared savings, too, I would throw in this category. This is the grease that keeps the flywheel spinning. What's the “why” there? It's a genius idea if you think about it. And if you're not fully understanding what I'm about to say, go back, for sure, and listen to Part 1 of this episode because this is a very fundamental concept that has come up over and over and over again on this podcast. Cora Opsahl (EP452) talked about it. Claire Brockbank (EP453); Eric Bricker, MD (EP472); Chris Crawford (EP465) for just four shows off the top of my head in the past, you know, eight months or so. Here's the concept: If you buy discounts, your costs will go up. Am I saying this theoretically? No, I'm not. Look at the last 20 years. Have costs gone up way higher than inflation? Yes, they have. What are we doing? We're buying discounts. So, it's hard to argue. Renewals every single year will just keep going up the longer that we buy discounts. We talk about this, Jonathan Baran and I, in Part 1, how carriers have created a really very self-serving buying framework where employers are trained to buy discounts. Discounts are the axle, and the buying of discounts becomes the top of our flywheel. And then some so inclined hospital system executives, there are certainly executives standing 10,000 feet from any bedside, so they really have zero idea how care or patients or even clinicians are impacted. But if plan sponsors buy discounts, those at health systems who are so inclined now have no real incentive to rein in prices or focus on appropriate care even. And if you are so inclined, if you're very margin focused as a healthcare executive, you know, first things first, go gut primary care. That is step one in every playbook, and we definitely talk about that in Part 1 of this episode. And also, again, in about 10 episodes from earlier this year. Another thing that you're gonna wanna do if your prime imperative is margin at a healthcare system is maximize the revenue off of every transaction. So, hey … hello, EHR systems. So now you have health system prices creeping up and up, unfettered, you know, just exacerbated by consolidation and a bunch of other different things. But you've got healthcare prices creeping up, you have volume the same or higher because we're not preventing chronic disease like you would with advanced primary care, for example. And now we're back at the “Oh wow, let me sell you another discount. And renewal is only 9% or whatever.” Thus, the flywheel spins. Alright, so let's turn this wheel around, shall we? Flip it 180. What's the fix? This is what Jonathan Baran talks about in the episode that follows, but he says, Hey, how about this? Instead of putting “get bigger discounts” in the middle of the flywheel, why don't we put “buy better member health”? That's a good start. Buy a health plan that delivers better member health at an affordable price. Buy the care, not buy a discount off of a price we can't see for net price we can't see. Is it insurance? I don't know. Right? Like, just buy the healthcare. Cutting to the chase, Jonathan Baran advocates for a paradigm shift where employers invest in primary care, adopt better benefit designs, more aligned to cost and quality so that members are incented toward better cost and quality, employee navigation services to guide employees to make more informed healthcare decisions. So again, by changing the focus from buying discounts to buying actual healthcare, Jonathan says, we can reverse the negative cycle and improve overall health outcomes. As I've said multiple times already, my guest today is Jonathan Baran. He has been, for a long time, a healthcare entrepreneur. Today he is co-founder and CEO of Self Fund Health in Wisconsin, committed to challenging the expensive healthcare system in Wisconsin. Self Fund Health, I am always so pleased to tell you, did make a really, really kind offer to help out RHV (Relentless Health Value) financially. You and the tribe here are really great folks who I truly, truly appreciate. So, please do support Self Fund Health if you are in Wisconsin. This podcast is sponsored by Self Fund Health today. Also mentioned in this episode are Self Fund Health; Cora Opsahl; Claire Brockbank; Eric Bricker, MD; Chris Crawford; Cynthia Fisher; Scott Haas; Peter Hayes; Matt McQuide; RxSaveCard; Mark Cuban; Ramy Khalil, MD; Candace Shaffer; and Tom Nash.   You can learn more at Self Fund Health and follow Jonathan on LinkedIn.   Jonathan Baran is a serial healthcare IT entrepreneur and the co-founder and CEO of Self Fund Health, a fast-growing health plan redefining how employers buy and manage healthcare. With a mission to eliminate waste and realign incentives in the healthcare system, Self Fund Health empowers employers to take control of rising costs by giving employees access to high-value providers at no cost, while replacing traditional insurance with real-time technology, dedicated nurses, and an aligned ecosystem of care. Prior to founding Self Fund Health, Jonathan was the co-founder and CEO of Healthfinch, one of the pioneering companies to build apps on top of electronic medical records. Healthfinch automated routine workflows for physicians using clinical data, significantly improving efficiency and patient care. Under Jonathan's leadership, Healthfinch raised over $15 million in venture capital and scaled to more than 50 employees. The company received national recognition, including being named a “Cool Vendor” by Gartner, a “Top Emerging Vendor” by KLAS, and one of Modern Healthcare's “Best Places to Work.” In 2020, Healthfinch was acquired by HealthCatalyst. Jonathan holds both a bachelor's and master's degree in biomedical engineering from the University of Wisconsin–Madison. He lives in Madison, Wisconsin, and continues to push the boundaries of innovation in employer-sponsored healthcare.   05:23 Where to start in reversing the flywheel. 06:57 Why investing in primary care is pivotal to containing healthcare costs. 10:02 EP453 with Claire Brockbank. 10:04 EP452 with Cora Opsahl. 10:07 EP457 with Cynthia Fisher. 10:12 EP365 with Scott Haas. 10:13 EP465 with Chris Crawford. 10:14 EP475 with Peter Hayes. 11:11 EP468 with Matt McQuide. 11:13 EP472 with Eric Bricker, MD. 12:14 “The most expensive thing in healthcare is the pen of the primary care doctor.” 13:04 How the role of the broker has to fundamentally change. 16:16 What will the single most challenging aspect of this restructuring become? 20:20 How self-funded employers can be amazing customers in containing the rising cost flywheel in healthcare. 22:56 How do EHRs and other medical record systems play into reversing the flywheel of rising healthcare costs? 23:57 Ramy Khalil, MD's post on interoperability. 24:59 Why is it important for employers to drive volume differently? 25:38 How Self Fund Health is helping in this regard.   You can learn more at Self Fund Health and follow Jonathan on LinkedIn.   @JonathanBaran discusses how to contain increasing #healthcarecosts on our #healthcarepodcast. #healthcare #podcast #financialhealth #patientoutcomes #primarycare #digitalhealth #healthcareleadership #healthcaretransformation #healthcareinnovation Recent past interviews: Click a guest's name for their latest RHV episode! Jonathan Baran (Part 1), Jonathan Baran (Bonus Episode), Dr Stan Schwartz (Summer Shorts), Preston Alexander, Dr Tom X Lee (Take Two: EP445), Dr Tom X Lee (Bonus Episode), Dr Benjamin Schwartz, Dr John Lee (Take Two: EP438), Kimberly Carleson, Ann Lewandowski (Summer Shorts), Andreas Mang and Jon Camire (EP479), Justin Leader (Take Two: EP433)  

In this episode Stacey Richter speaks with Jonathan Baran, CEO of Self Fund Health in a detailed exploration of what they term the 'Flywheel Downward Spiral' of American healthcare costs. The conversation delves into how electronic health records (EHR) and the incentives driving insurers, brokers, and hospital systems contribute to consistently rising healthcare premiums.  Key points include how insurers profit from high premiums, the misleading marketing focus on discounts rather than actual costs, and the role of EHR systems in maximizing hospital profits rather than improving patient care. The episode sets the stage for a subsequent discussion on reversing these trends, aiming to align healthcare outcomes with cost reductions. Self Fund Health, I am so pleased to tell you, as I am always so pleased to tell you, did make such a kind offer to help out Relentless Health Value financially. You and the tribe here are really, really great folks who I truly appreciate. Please support Self Fund Health if you are in Wisconsin. This episode is sponsored by Self Fund Health. === LINKS ===

This week at NSTA: The Bus Stop - Executive Director Curt Macysyn welcomes returning guest Rich Kelly, Founder and President of RC Kelly Law Associates and NSTA Legal Counsel to the podcast to spotlight the Legal Update session at AMC. Rich and Curt discuss the recent 2025 NSTA Annual Meeting & Convention (AMC) schedule and landscape, and they cover the highlights of the event that was recently held in Boston. The duo provide an insider perspective on the evolving world of school transportation contracting, and they cover some emerging trends in contracts. Rich and Curt also focus on factors that impact student transportation contracts, including state laws and regulations, overhead, insurance, and other factors that may impact pricing. They conclude by giving insight into the NSTA Contract Toolkit and Business Counsel Program - benefits only available to NSTA members Become a podcast subscriber and don't miss an episode of NSTA: The Bus Stop - NSTA Vendor Partners should reach out to us to take advantage of our comprehensive advertising package that reaches your target audience - the private school bus contractor market! Transportation professionals!Support the show

The Arsenal Transfer Show EP612 - Misinformation, Gyokeres Desperation, Contract Renewals & MoreWelcome to The Arsenal Transfer Show EP612 with Tom Canton on The Gooner Talk! In today's show, we tackle a mix of media noise, credible updates, and long-term planning at Arsenal:⚠️ Misinformation Alert – What's real and what's not in the worst window for it I have ever witnessed

Employers are getting wise to their over-employed employees – the ones working multiple jobs on the clock and dime of their main boss. Gene Marks says this type of flexibility might be necessary to keep good employees, and he's OK with it as long as individuals are finishing their work satisfactorily and on time. Speaking of time, Gene points out a report that shows remote workers clocking 2.65 hours less than in-office workers. Plus, Gen Zers scored poorly in financial literacy, startups reach near-historic highs, and small businesses can take a victory lap after winning a lawsuit that allows for the continuation of auto-renewals on subscriptions and memberships. Listen to the podcast. DISCLAIMER: The information presented in this podcast, and that is further provided by the presenter, should not be considered legal or accounting advice, and should not substitute for legal, accounting, or other professional advice in which the facts and circumstances may warrant. We encourage you to consult legal counsel as it pertains to your own unique situation(s) and/or with any specific legal questions you may have.

Ever stared down a crazy renewal quote and thought, “No way”? Jason Cass shares how he used AI to challenge a 26% premium hike—and got results. It's a behind-the-scenes look at how tech can give agents an edge, plus some exciting updates on events, tools, and what's coming next. Key Topics: Using ChatGPT to analyze multi-year loss runs and policy data How AI can level the playing field with carrier actuaries Constructing email and PDF rebuttals with AI assistance Turning a 26% renewal increase into a negotiating opportunity Why thoroughness and specificity matter in renewal disputes Building agency-wide AI systems via the Logic Routing Engine Reach out to: Jason Cass Visit Website: Agency Intelligence Produced by PodSquad.fm

Special Episode: Modern Therapist's Consumer Guide on Relias Curt and Katie talk with Candace Wallace, Chief Customer Officer at Relias, about how this tech-enabled platform supports therapist training, infrastructure, and regulatory compliance. Candace explains how Relias helps practices of all sizes reduce admin burdens, improve staff retention, and compete in a changing behavioral health landscape. This episode is part of our Modern Therapist Consumer Guide, where we explore tools and services designed for therapists and their clients. About Our Guest:Candace Wallace is the Chief Customer Officer at Relias, overseeing Customer Success, Renewals, Support, and Professional Services. Since joining in 2013, she's led several key teams and now focuses on delivering customer value at scale. With degrees in Archaeology and Religion from Baylor University, Candace's career path includes both compliance consulting and a deep commitment to healthcare systems transformation. Key Takeaways: Relias reduces administrative burdens to improve patient care Solutions are tailored to solo, small, and large practices alike Training, leadership development, and compliance tracking in one platform Helps therapist-led organizations stay competitive and grow sustainably Started with small providers—continues to focus on accessible, effective tools For full show notes and transcripts, visit:https://www.mtsgpodcast.com Join the Modern Therapist Community:Linktree Creative Credits:Voice Over by DW McCannMusic by Crystal Grooms Mangano

On this week's MyAgLife in Almonds episode, Almond Board of California details the latest on renewal steps for almond handlers exporting to China and international tariff developments.Supporting the People who Support AgricultureThank you to this month's sponsors who makes it possible to get you your daily news. Please feel free to visit their website.2025 Crop Consultant Conference - https://myaglife.com/crop-consultant-conference/

Welcome back to What The Hype! This week, the gang's all here to break down the most exciting tidbits of television news to come out of the 2025 Upfront Presentations. Don't know what the Upfronts are? Don't worry– we'll clue you in! Fandoms and television news discussed on this week's episode include: Mike Schur's ‘The Dig,' ‘Game of Thrones' spinoff ‘A Knight of the Seven Kingdoms,' ‘Bridgerton' season 4, ‘The Pitt,' ‘Spider-Man Noir,' ‘Daredevil: Born Again,' ‘Wednesday' season 2, and more! Learn more about your ad choices. Visit megaphone.fm/adchoices