Podcasts about Risk appetite

In this episode, Michael Howell joins the show to discuss the Fed & Treasury's hidden stimulus tapering off, why we need more liquidity in the financial system to refinance debts, and why the Fed's QE & duration goals are unrealistic. We also delve into the dislocation between the 10-year yield and mortgage rates, what China needs to do to escape its debt deflation, global liquidity's correlation to Bitcoin's price, and more. Enjoy! __ Follow Michael: https://x.com/crossbordercap Follow Felix: https://x.com/fejau_inc Follow Forward Guidance: https://twitter.com/ForwardGuidance Follow Blockworks: https://twitter.com/Blockworks_ Forward Guidance Newsletter: https://blockworks.co/newsletter/forwardguidance Forward Guidance Telegram: https://t.me/+nSVVTQITWSdiYTIx — Forward Guidance Audience Survey: https://forward-guidance.beehiiv.com/forms/109bcbf7-0948-43b8-be8d-5390a5198125 — Join us at Permissionless IV June 24th - 26th. Use code FG10 for 10% OFF! https://blockworks.co/event/permissionless-iv __ Ledger, the world leader in digital asset security for consumers and enterprises, proudly sponsors Forward Guidance, where traditional finance meets crypto. As Ledger celebrates a decade of securing 20% of the world's crypto assets, it offers a secure gateway for those entering digital finance. Buy a LEDGER™ device today and protect your assets with top-tier security technology. Buy now on Ledger.com. — Timestamps: (00:00) Introduction (00:06) Deep Dive into Bank Reserves (03:53) Fed/Treasury Pump and Dump (09:51) Global Liquidity and Debt Refinancing (16:05) Ledger Ad (16:49) Bank Reserves & Liquidity-to-Debt Ratio (20:19) Post-GFC Financial System (23:46) Repo Market Tensions (35:01) Ledger Ad (35:46) The Fed's Duration Dump and Debt Refinancing (39:25) Yield Curve Suppression and Inflation Rates (44:11) Credit Markets and Risk Appetite (50:47) China's Economic Policy and Gold Strategy (01:00:52) Bitcoin & Global Liquidity (01:07:59) Final Thoughts __ Disclaimer: Nothing discussed on Forward Guidance should be considered as investment advice. Please always do your own research & speak to a financial advisor before thinking about, thinking about putting your money into these crazy markets.

Bulls were quick to get in and out of the market on Thursday as $TSLA popped, $DLTR ramped and bitcoin held firm, keeping the battle for 5700 in $SPX alive into inflation tomorrow, says OJ Renick.======== Schwab Network ========Empowering every investor and trader, every market day.Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/About Schwab Network - https://schwabnetwork.com/about

Send us a textBoth US equities and the dollar continue to recover. US consumers are under stress, as the April 2 deadline is approaching. Pound suffers from weaker inflation; all eyes on the Budget update. Gold, oil and bitcoin move in sync.Risk Warning: Our services involve a significant risk and can result in the loss of your invested capital. *T&Cs apply.Please consider our Risk Disclosure: https://www.xm.com/goto/risk/enRisk warning is correct at the time of publication and may change. Please check our Risk Disclosure for an up to date risk warningReceive your daily market and forex news analysis directly from experienced forex and market news analysts! Tune in here to stay updated on a daily basis: https://www.xm.com/weekly-forex-review-and-outlookIn-depth forex news analysis on all major currencies, such as EUR/USD, USD/JPY, GBP/USD, USD/CHF, USD/CAD, AUD/USD.

In this latest episode of Help Me Buy Property Podcast, Julian Fadini from PRPTY 360 was invited to delve into the details revolving around the unique financial landscape faced by professional athletes and coaches, particularly in the realm of property investment with Moxin Reza. During the conversation, we discussed the differences in financial management between athletes and the general public, the importance of strategic investment, and the need for financial education to ensure long-term wealth. Our conversation highlights the challenges athletes face regarding income stability and tax implications, while also emphasizing the potential for building a substantial property portfolio during their careers. Episode Highlights 00:00 Welcome to Help Me Buy Property Podcast 05:36 Introduction to Property Investment for Athletes 12:30 Navigating Finances: The Athlete's Perspective 17:41 Investment Strategies: Athletes vs. Commoners 24:02 Risk Appetite and Decision-Making in Investments 32:17 Final Thoughts and Advice for Athletes About the Guest: Julian Fadini is a leading acquisition adviser and founder of PRPTY 360 - a company that specializes in providing astute investors privileged insight, guidance and results. Julian's renowned for identifying areas/opportunities with high yield potential. As such, his advice and recommendation are actively sought by investors directly, as well as from financial planners, accountants, brokers and other professionals on behalf of their clients who are seeking to achieve maximum return from their portfolio. Julian can be reached out at: https://prpty360.com.au/ Click on the link below to download Australian Bestseller “A Millennial's Guide to Property Investing” now!  https://www.amazon.com.au/dp/B0CRF48GGR Resources:  Join us on our FREE Facebook Group: https://www.facebook.com/groups/helpmebuyau You can also connect with us on https://www.linkedin.com/company/77080688. Keep smiling, be kind, and continue investing. Peace out!  Hosted on Acast. See acast.com/privacy for more information.

Send us a textTrump's shenanigans continue, new tariffs in place. Focus shifts to the US CPI report and BoC. Stronger US inflation could boost the dollar. Yen weakens, but wage agreements support a hawkish BoJ.Risk Warning: Our services involve a significant risk and can result in the loss of your invested capital. *T&Cs apply.Please consider our Risk Disclosure: https://www.xm.com/goto/risk/enRisk warning is correct at the time of publication and may change. Please check our Risk Disclosure for an up to date risk warningReceive your daily market and forex news analysis directly from experienced forex and market news analysts! Tune in here to stay updated on a daily basis: https://www.xm.com/weekly-forex-review-and-outlookIn-depth forex news analysis on all major currencies, such as EUR/USD, USD/JPY, GBP/USD, USD/CHF, USD/CAD, AUD/USD.

In this episode, Richard and Rachael discuss the evolving risk management landscape in healthcare, emphasising the need for a dynamic approach to risk appetite. Richard highlights the importance of aligning risk management with patient safety and financial sustainability, suggesting that risk appetite should be applied to areas like estates and finances rather than just patient safety. He also addresses the challenges of cyber risks, advocating for proactive prevention and response measures.

In this episode, Richard and Rachael discuss the evolving risk management landscape in healthcare, emphasising the need for a dynamic approach to risk appetite. Richard highlights the importance of aligning risk management with patient safety and financial sustainability, suggesting that risk appetite should be applied to areas like estates and finances rather than just patient safety. He also addresses the challenges of cyber risks, advocating for proactive prevention and response measures.

Kia ora,Welcome to Wednesday's Economy Watch where we follow the economic events and trends that affect Aotearoa/New Zealand.I'm David Chaston and this is the international edition from Interest.co.nz.And today we lead with news that is not good. Markets are suddenly gripped by extreme fears of where the world's largest economy is heading.But first up today we can report that the overnight dairy Pulse auction has seen milk powder prices fall. The big fall expected for WMP didn't happen but it was a retreat all the same. The small fall expected for SMP actually came in more pronounced than expected. Both shifts have ended the recent run up in these prices although they probably don't necessarily end the higher trending. Neither correction was enough to unstitch that at this event. But uncertainty is back all the same.US data releases overnight remained resilient. The US retail impulse, as measured by the Redbook survey, held strong, unchanged and up +6.2% from the same week a year ago.The next Richmond Fed factory survey moved up a bit but is now showing an expansion, its most since October 2023. This was a better result than anticipated and in complete contrast to yesterday's Texas survey.The Dallas Fed's services survey eased back, but is still expanding although the trend has turned down mainly because the outlook uncertainty is rising.But none of this data trumped the fast-rising doom mood in the US. The latest Conference Board survey of consumer sentiment was particularly negative. Its reading of consumer confidence registered the largest monthly decline since August 2021. Although other similar surveys like the PMIs and the University of Michigan one showed the same trend, this latest one was worse and has just compounded the negative mood.Risk aversion sentiment is gripping financial markets today. Wall Street is lower, the US Treasury bond prices are surging (yields falling), yield inversions are returning, and the USD is rising, in the normal reaction to a risk-off mood. Everyone from consumers to the financial market professionals know the US is going the wrong way with its public policy.And we should probably note that the Tesla share price is down more than -8% so far today, down -14% in a week and down -20% since the start of the year. The "move-fast-and-break-things" strategy isn't proving to be a good business practice.There was another US Treasury 5yr auction today and the well-supported event delivered a yield of 4.07%, lower than the the 4.29% at the equivalent event a month ago.Elsewhere, Taiwanese retail sales are on the rise, up +5.3% in January from a year ago in a strong showing, much better than expected. Meanwhile, Taiwanese industrial production growth eased, but only back to the levels expected.South Korea's central bank cut its policy rate by -25 bps to 2.75% yesterday. This was as expected. It is their third cut since this rate peaked in January 2023 at 3.5%. Their cutting cycle started in October 2024.In China, exports through Hong Kong fell to a one year low in January, and a sharp retreat from December. This is the weakest growth in exports activity after sharp reversals for exports of electrical machinery, and household appliances.In Australia, regulator ASIC is warning of the risks of investing in private markets, a growing trend recently. The opacity of valuations, liquidity and governance has them worried.And as the Aussies get ready for a probably May election, it has been standard to expect the ruling Labor Party to lose, mainly because incumbents are losing elsewhere. But a new poll suggests a change may in fact not happen there. No doubt they are encouraged by the German election where essentially the center held.The UST 10yr yield is at 4.31%, down -10 bps from yesterday at this time. The price of gold will start today at just under US$2894/oz and down -US$48 from yesterday.Oil prices are down -US$2 at just under US$69/bbl in the US and the international Brent price is now just under US$73/bbl.The Kiwi dollar is now at 57.2 USc and down -20 bps from yesterday. Against the Aussie we are unchanged at 90.3 AUc. Against the euro we are down -40 bps at 54.4 euro cents. That all means our TWI-5 starts today just on 66.9, and down -30 bps from yesterday.The bitcoin price starts today at US$87,309 and down a massive -7.7% from this time yesterday. Bitcoin has dropped about 20% since Trump's January inauguration, as initial optimism over his crypto-friendly stance fades. Bitcoin wasn't the only crypto to drop. Volatility over the past 24 hours has been very high at +/- 4.8%.You can find links to the articles mentioned today in our show notes.You can get more news affecting the economy in New Zealand from interest.co.nz.Kia ora. I'm David Chaston. And we will do this again tomorrow.

Send us a textDollar losses mount as markets prepare for US CPI. An upside CPI surprise could spice up Powell's testimony. Trump could open a new round of tariffs. Gold drops from a new record high.Risk Warning: Our services involve a significant risk and can result in the loss of your invested capital. *T&Cs apply.Please consider our Risk Disclosure: https://www.xm.com/goto/risk/enRisk warning is correct at the time of publication and may change. Please check our Risk Disclosure for an up to date risk warningReceive your daily market and forex news analysis directly from experienced forex and market news analysts! Tune in here to stay updated on a daily basis: https://www.xm.com/weekly-forex-review-and-outlookIn-depth forex news analysis on all major currencies, such as EUR/USD, USD/JPY, GBP/USD, USD/CHF, USD/CAD, AUD/USD.

Send us a textTrump opens a new round of tariffs, the EU is next. Mixed US data keep the door shut to Fed rate cut. Dollar benefits, risk appetite remains fragile. Gold at a new record high, oil tries to find its footing.Risk Warning: Our services involve a significant risk and can result in the loss of your invested capital. *T&Cs apply.Please consider our Risk Disclosure: https://www.xm.com/goto/risk/enRisk warning is correct at the time of publication and may change. Please check our Risk Disclosure for an up to date risk warningReceive your daily market and forex news analysis directly from experienced forex and market news analysts! Tune in here to stay updated on a daily basis: https://www.xm.com/weekly-forex-review-and-outlookIn-depth forex news analysis on all major currencies, such as EUR/USD, USD/JPY, GBP/USD, USD/CHF, USD/CAD, AUD/USD.

In this episode of Business Growth Talks, host Mark Hayward sits down with Stoy Hall, the CEO and founder of Black Mammoth, a company dedicated to financial literacy, inclusivity, and holistic wealth management. Stoy shares his insights on building a modern family office, the importance of financial education, and how mindset and community play a pivotal role in achieving wealth.Key Discussion Points:Introduction to Stoy Hall: CEO and founder of Black Mammoth and Calla Capital, host of The No BS Wealth Podcast.The Concept of Modern Family Office: How Stoy's approach differs from traditional wealth management.Financial Literacy vs. Financial Education: Why understanding money isn't enough—action is key.The Impact of Childhood Financial Trauma: How early money experiences shape financial behaviors.Social Media as a Financial Education Tool: Why Stoy shifted from in-person workshops to digital content.The Role of Community in Wealth Building: How building strong networks supports financial success.Biggest Financial Mistakes and Lessons Learned: Stoy's personal $85,000 loss and what it taught him about investing.Taxation Debate: Is tax a moral issue, or just a legislative one?Risk Appetite & Business Decisions: How Stoy assesses risk and why he shut down a hedge fund.Future Goals: Expanding the modern family office model and growing financial literacy awareness.Resources & Links:Stoy Hall's Website: Black MammothPodcast: No BS Wealth PodcastSocial Media: @StoyHall on all platforms (except Reddit!)If you enjoyed this episode, please subscribe and follow Business Growth Talks to stay updated on the latest strategies and insights to grow your business. Also, take a moment to connect with Stoy and learn more about financial literacy and wealth management!Support the showIf you want to watch the full video of this episode go to:https://www.youtube.com/@markhayward-BizGrowthTalksDo you want to be a guest on multiple podcasts as a service go to:www.podcastintroduction.comFind more details about the podcast and my coaching business on:www.businessgrowthtalks.comFind me onLinkedIn - https://www.linkedin.com/in/mark-hayw...Tik Tok - https://www.tiktok.com/@mjh169183YouTube Shorts - https://www.youtube.com/@markhayward-BizGrowthTalks/shorts

Send us a textMarkets are in a relatively good mood today. Trump's second presidency will commence today. Dollar takes losses, while the crypto market is thriving. Yen tries to benefit from BoJ expectations; oil struggles.Risk Warning: Our services involve a significant risk and can result in the loss of your invested capital. *T&Cs apply.Please consider our Risk Disclosure: https://www.xm.com/goto/risk/enRisk warning is correct at the time of publication and may change. Please check our Risk Disclosure for an up to date risk warningReceive your daily market and forex news analysis directly from experienced forex and market news analysts! Tune in here to stay updated on a daily basis: https://www.xm.com/weekly-forex-review-and-outlookIn-depth forex news analysis on all major currencies, such as EUR/USD, USD/JPY, GBP/USD, USD/CHF, USD/CAD, AUD/USD.

Send us a textIn today's episode, Maddy sits down with Clare Wood, money mentor, accountant, and mindset coach, to unpack how business owners can confidently invest in their growth while prioritising profit over ego-driven decisions. Drawing from Maddy's own journey—from chasing revenue milestones to building a stable, profitable business—Clare offers actionable insights on money mindset, risk-taking, and how to know if you're ready to make that next big leap. If you've ever wondered how to balance bold investments with financial stability, this episode is packed with the guidance you need. Episode Highlights: Revenue vs. Profit: Focusing on profit over revenue milestones. Investing Before You're Ready: Knowing when to take the leap. Risk Appetite and Alignment: Balancing risk with investment confidence. Mindset Matters: Detaching from outcomes for better results. Practical Money Practices: Regular money meetings for financial clarity. Take the Next Step: Ready to supercharge your 2025? Whether you're looking for mindset support, impactful marketing strategies, or tools to accelerate your success, Birdcage Marketing has you covered: Express Mode ™: Learn how to utilise AI to scale your marketing with lightning speed. Join the waitlist and save more than $1,000 here:  Join the waitlist for International students: https://birdcageschool.com/express-mode-course/  Join the waitlist for Australia: https://birdcageschool.com.au/express-mode-course/  Coaching Unlimited™: Get one-on-one support to transform your business:  International: https://birdcageschool.com/coaching-unlimited/ Australia: https://birdcageschool.com.au/coaching-unlimited/ Connect with Clare Wood:  Work with Clare: https://clarewood.com/  Clare's Instagram: https://www.instagram.com/clare_wood_coach/  Clare's Facebook: https://www.facebook.com/clarewoodcoach/   Connect with us:   Not-So Kind Regards Instagram: https://www.instagram.com/notsokindregards_podcast/     Birdcage Instagram: https://www.instagram.com/birdcage_school/  Maddy Birdcage TikTok: https://www.tiktok.com/@maddybirdcage   Maddy Birdcage Instagram: https://www.instagram.com/maddybirdcage/      Birdcage LinkedIn: https://www.linkedin.com/company/7600856       Caroline Moss Instagram: https://www.instagram.com/caro__moss/       Caroline Moss TikTok: https://www.tiktok.com/@caro_moss       To work with us, book your discovery call at https://www.birdcagemarketing.com.au/start-hereTo discover the school, visit https://birdcagemarketing.com.au/

Mixed US CPI report results in a risk-on market reaction. Both stocks andbitcoin record sizeable gains. Today's US data prints could upset marketsagain. Yen benefits from BoJ rate hike talk; pound suffering lingers.Risk Warning: Our services involve a significant risk and can result in the loss of your invested capital. *T&Cs apply.Please consider our Risk Disclosure: https://www.xm.com/goto/risk/enRisk warning is correct at the time of publication and may change. Please check our Risk Disclosure for an up to date risk warningReceive your daily market and forex news analysis directly from experienced forex and market news analysts! Tune in here to stay updated on a daily basis: https://www.xm.com/weekly-forex-review-and-outlookIn-depth forex news analysis on all major currencies, such as EUR/USD, USD/JPY, GBP/USD, USD/CHF, USD/CAD, AUD/USD.

In this episode Rob joins Forstrong CEO and Chief Investment Officer, Tyler Mordy, to unpack the defining moments of 2024 and the forces shaping 2025. The past year was further evidence we are not in a traditional economic cycle. In the face of elevated volatility, geopolitical tensions, and a charged political landscape markets powered higher. Yet, amidst the chaos, two themes stood tall: the commanding influence of tech giants and the unexpected resilience of global economic growth. Fast forward to 2025, and the drama continues—think Netflix-worthy twists. Trump 2.0 is shaking up the global order, reviving tariffs and hinting at economic annexation with Canada in the crosshairs. Meanwhile, Canada faces a leadership vacuum, a declared “productivity emergency”, and interest rate cuts that seem to be losing their punch. South of the border, U.S. equity valuations are flirting with new records as rate cuts may be postponed and government spending finally tightens. Globally, the stakes are just as high. China's deflationary concerns are sending shockwaves through markets, while Europe grapples with pivotal elections that could redefine its economic trajectory.  This episode delivers sharp insights into these unfolding narratives, offering investors a lens to navigate a year where resilience and rivalry go hand in hand.   Chapters 00:00 2024 Review: A Year of Volatility 15:05 2025 Outlook: Key Themes and Trends 17:26 Political Landscape: Elections and Economic Policies 22:07 Trump 2.0: Implications for Canada and Global Trade 28:06 Global Economic Dynamics and the Role of the U.S. 30:28 Canada's Economic Challenges and Opportunities 32:15 The Impact of Interest Rates on Economic Growth 36:00 China's Economic Policy and Global Implications 42:04 Reflections: Documentaries and Personal Insights   Disclosures: https://forstrong.com/disclosures/ Global Thinking Podcast Series - https://forstrong.com/podcast/ Global Thinking Insights - https://forstrong.com/insights/ Who is Forstrong Global - https://forstrong.com/who-we-are/ Ask Forstrong - https://forstrong.com/category/ask-forstrong/ Invest With Us - https://forstrong.com/invest-with-us/ 

Send us a textForget the magic numbers. Cyber risk appetite isn't about finding a one-size-fits-all percentage of revenue. It's about protecting your company's dreams. In this episode, we dive deep into the WHY behind cyber risk appetite. We explore how a strong understanding of risk tolerance can safeguard your mission, reputation, and customer trust.Discover:The crucial factors that shape your cyber risk appetite (hint: it's more than just revenue!).Why a mission-driven approach to cybersecurity is essential in today's threat landscape.How to build a robust risk management plan that aligns with your business goals.Don't just mitigate threats - empower your vision. Watch now and learn how to own your cyber risk appetite truly.

From the safest options to high-risk, high-reward strategies, we've got the ultimate investment guide.  Investing can be exhilarating — or terrifying. In this episode, we answer Daniel's pressing question: What is the safest investment versus risk?  From safe bank accounts to high-stakes property flipping, we'll unpack the stages of investing based on risk tolerance and potential returns. Whether you're new to investing or looking to diversify, this conversation will help you identify where you fit on the spectrum and how to step up your game.  The episode is tailored for you if:

In this episode of the EUVC podcast, Andreas sits down with Michael McGraw, Principal at Inovia Capital, a €415M growth equity fund headquartered in Canada but making waves in Europe.Inovia has €2.3B in assets under management and a track record of backing companies like Cohere, Lightspeed, Neo4j, and Wealthsimple. Mike brings a unique perspective shaped by his journey from LP at CDPQ—one of the world's largest pension funds—to leading growth-stage investments at Inovia. Together, we'll dive deep into the evolving role of European LPs, exploring why embracing a higher risk appetite could yield outsized returns and drive systemic innovation.We'll also discuss Inovia's strategy for scaling Series B to pre-IPO companies across North America and Europe, shedding light on key challenges and opportunities in the software space. Whether you're an LP curious about market dynamics or a founder navigating growth-stage fundraising, this episode is packed with insights you won't want to miss.Go to eu.vc to read the core take-aways.Chapters:01:00 Meet Michael McGraw from Inovia01:59 Inovia's Strategy and Focus02:23 Inovia's European Expansion03:22 Success Stories and Notable Investments04:05 The Role of CDPQ and Mike's Experience04:55 Canadian vs. European VC Ecosystems07:22 CDPQ's Investment Strategy11:42 Challenges for European LPs16:49 Fundraising in Europe: Insights and Observations27:27 Firepower and Fund Allocation28:05 Late Stage Market in Europe28:28 Investment Strategies and Risk Appetite29:49 Challenges in European Venture Growth Capital 31:45 Government's Role in Venture Capital32:27 Canadian Venture Capital Action Plan34:09 Fund of Funds in Europe37:45 Mike McGrath's Background41:41 Lessons Learned in Venture Capital48:06 Fundraising Tips for VCs

The cost of living crises is a buzz term which has been banded about ever since the end of the Covid pandemic. The economic state of the UK and even further afield has been many a discussion amongst peers and politicians alike. However, we don't often hear of how people can or have taken control of their own financial situation or circumstances to contradict what the media constantly likes to portray. One man who is well equipped to provide guidance on taking your financial health and wellbeing into your own hands is financial advisor Franklin Asante. Guest on many a platform and having started his own platform, he has often left many wanting more and now he has provided some literative guidance with the release of his book, The Money Ladder. Join the Full e-Booked team as we get to grips with the book and dissect the key terms, references and phrases to understand whether or not this book really is one for the realist or one for the fantasists. Full e-Booked Team!

Another Lunchroom meal line packed episode with audio food options to satisfy any appetite. Come listen and steal our wins and sidestep our marketing L's to ultimately build your business into the powerhouse it deserves to be! https://dentco.us https://instagram.com/dentcopdr

Welcome to The Game w/Alex Hormozi, hosted by entrepreneur, founder, investor, author, public speaker, and content creator Alex Hormozi. On this podcast you'll hear how to get more customers, make more profit per customer, how to keep them longer, and the many failures and lessons Alex has learned and will learn on his path from $100M to $1B in net worth.Wanna scale your business? Click here.Follow Alex Hormozi's Socials:LinkedIn | Instagram | Facebook | YouTube | Twitter | Acquisition

Looking to start your business as a coffee consultant? Our workshop "It's Time To Become a Coffee Consultant" is for you - https://mapitforward.coffee/workshops••••••••••••••••••••••••••••••••Welcome to the 5th episode of this five-part series on The Daily Coffee Pro by the Map It Forward Podcast, hosted by Lee Safar.Our guest on the podcast for this series is Joseph Sayegh from Levant Cafe in Beruit, Lebanon. The cafe has remained open despite major challenges presented by the war in Gaza and Beruit.In this series, Joseph and Lee discuss how Joseph is navigating this crisis as a business owner and how the business, employees, and customers of Levant are coming together to connect during this war.The episodes in this series are:1. Keeping A Cafe Open In War Time - https://youtu.be/7V2FaVx5niY2. Cafe Business Decisions In Wartime - https://youtu.be/n09jBncwlPs3. Taking Action To Survive As a Cafe in Wartime - https://youtu.be/5r5Q9npwVIw4. Supporting Your Cafe Customers In Times of Crisis - https://youtu.be/czXwTAfCgqA5. Adapting Your Business Plan In Times of War - https://youtu.be/1KugHjGqpTQIn the final episode of a five-part series with Joseph Sayegh from Levant Café in Beirut, Lebanon, host Lee Safar discusses the transformation and adaptation of Levant amidst wartime challenges. Originally a pastry shop and tour operator, Levant has transitioned into a cultural space and coffee shop due to the ongoing conflict. The episode explores Joseph's journey of resilience, the shift in business strategy, and the importance of adaptability in uncertain times. Despite the financial crisis and war, Joseph emphasizes the need for short-term planning and maintaining flexibility, along with the critical investment in coffee services which now constitute a major part of Levant's revenue. The episode concludes with a discussion on the importance of dreaming and planning for a post-crisis future, as well as the value of taking calculated risks in business.00:00 Introduction to Levant's Evolution00:32 Sponsor Message: Become a Coffee Consultant01:11 Final Episode Introduction01:25 Resilience and Adaptation in Beirut03:34 Reimagining Levant's Business Strategy07:17 Adapting to Local Clientele08:46 Levant's Cultural Transformation10:21 Planning and Risk Management in Crisis15:38 Dreaming Beyond the Crisis17:03 Risk Appetite and Business Decisions20:25 Closing Thoughts and GratitudeConnect with Joseph and Levant Cafe here:https://www.instagram.com/levant.beirut/https://www.linkedin.com/in/joseph-sayegh/••••••••••••••••••••••••••••••••Support this podcast by supporting our Patreon:https://bit.ly/MIFPatreon••••••••••••••••••••••••••••••••The Daily Coffee Pro by Map It Forward Podcast Host: Lee Safarhttps://www.mapitforward.coffeehttps://www.instagram.com/mapitforward.coffeehttps://www.instagram.com/leesafar••••••••••••••••••••••••••••••••

Looking to start your business as a coffee consultant? Our workshop "It's Time To Become a Coffee Consultant" is for you - https://mapitforward.coffee/workshops••••••••••••••••••••••••••••••••Welcome to the 5th episode of this five-part series on The Daily Coffee Pro by the Map It Forward Podcast, hosted by Lee Safar.Our guest on the podcast for this series is Joseph Sayegh from Levant Cafe in Beruit, Lebanon. The cafe has remained open despite major challenges presented by the war in Gaza and Beruit.In this series, Joseph and Lee discuss how Joseph is navigating this crisis as a business owner and how the business, employees, and customers of Levant are coming together to connect during this war.The episodes in this series are:1. Keeping A Cafe Open In War Time - https://youtu.be/7V2FaVx5niY2. Cafe Business Decisions In Wartime - https://youtu.be/n09jBncwlPs3. Taking Action To Survive As a Cafe in Wartime - https://youtu.be/5r5Q9npwVIw4. Supporting Your Cafe Customers In Times of Crisis - https://youtu.be/czXwTAfCgqA5. Adapting Your Business Plan In Times of War - https://youtu.be/1KugHjGqpTQIn the final episode of a five-part series with Joseph Sayegh from Levant Café in Beirut, Lebanon, host Lee Safar discusses the transformation and adaptation of Levant amidst wartime challenges. Originally a pastry shop and tour operator, Levant has transitioned into a cultural space and coffee shop due to the ongoing conflict. The episode explores Joseph's journey of resilience, the shift in business strategy, and the importance of adaptability in uncertain times. Despite the financial crisis and war, Joseph emphasizes the need for short-term planning and maintaining flexibility, along with the critical investment in coffee services which now constitute a major part of Levant's revenue. The episode concludes with a discussion on the importance of dreaming and planning for a post-crisis future, as well as the value of taking calculated risks in business.00:00 Introduction to Levant's Evolution00:32 Sponsor Message: Become a Coffee Consultant01:11 Final Episode Introduction01:25 Resilience and Adaptation in Beirut03:34 Reimagining Levant's Business Strategy07:17 Adapting to Local Clientele08:46 Levant's Cultural Transformation10:21 Planning and Risk Management in Crisis15:38 Dreaming Beyond the Crisis17:03 Risk Appetite and Business Decisions20:25 Closing Thoughts and GratitudeConnect with Joseph and Levant Cafe here:https://www.instagram.com/levant.beirut/https://www.linkedin.com/in/joseph-sayegh/••••••••••••••••••••••••••••••••Support this podcast by supporting our Patreon:https://bit.ly/MIFPatreon••••••••••••••••••••••••••••••••The Daily Coffee Pro by Map It Forward Podcast Host: Lee Safarhttps://www.mapitforward.coffeehttps://www.instagram.com/mapitforward.coffeehttps://www.instagram.com/leesafar••••••••••••••••••••••••••••••••

1. Risk Management Framework Components:- Risk Culture - Established by board and management, sets tone from top- Risk Appetite - Formal statements and limits that define acceptable risk levels- Risk Management System - Including the three lines of defense2. Risk Appetite:- Should be commensurate with institution's size and complexity- Must be supported by capital levels- Requires clear metrics and reporting systems- Needs documented processes for when limits are approached or breached- Should be consistently communicated throughout organization3. Three Lines of Defense:- First Line: Front-line business units conducting transactions and operations- Second Line: Risk management department (in larger institutions) led by Chief Risk Officer- Third Line: Internal audit function testing controls and verification4. Key Risk Management Principles:- Risk management culture is foundational to effectiveness- Smaller institutions can accomplish goals without full three lines structure- Need to avoid managing risks in silos- Importance of aggregating risks across organization- Chief Risk Officer role should support but not have veto power5. Best Practices:- Document and communicate risk appetite clearly- Establish appropriate metrics and reporting- Have action plans for when limits are approached- Ensure staff feels comfortable raising risk concerns- Maintain independence of risk oversight functions6. Resources Available:- OCC Director's Reference Guide contains useful guidance on risk governance- Includes questions to consider and potential red flags- Contains comprehensive references on risk and corporate governanceThe episode emphasized that while sophistication levels vary by institution size, core risk management concepts remain consistent and should be applied appropriately based on each credit union's specific circumstances.

In this Greatest Hits episode of Risk Management, Brick by Brick, host Jason is joined by Anne Grubish, a Risk Manager at Kraus-Anderson. Together, Jason and Anne discuss why giving COIs to inexperienced risk managers is a risk in itself, the importance of being able to speak fluent insurance, and what helps mitigate the divide between departments in insurance companies.

Manpreet speaks to Rajat about what to expect from major central banks next week and where we see equity sector opportunities today. For insights from our latest Weekly Market View report, visit the link here. Speakers: Manpreet Gill, CIO of Africa, Middle East & Europe (AME/E) and Head of Fixed Income, Currency and Commodities (FICC) Strategy, Standard Chartered BankRajat Bhattacharya, Senior Investment Strategist, Standard Chartered BankFor more of our latest market insights, visit Market views on-the-go or subscribe to Standard Chartered Wealth Insights on YouTube.

In this Greatest Hits episode of Risk Management, Brick by Brick, Jason is joined by our very own Steven Wright, Director of TrustLayer, a collaborative risk management platform that helps reduce friction between businesses! He is also the Men's President of Pasadena Rugby Football Club, and was previously a Senior Account Manager at Lockton Companies and an Insurance Agent at Price Wright Insurance Services.

European equities are entirely in the green, attempting to pare back some of last week's hefty losses; Tech leads whilst Luxury lagsDollar is firmer while JPY lags after GDP revisions and risk appetite, with USD/JPY back above 143Bonds are entirely in the red and reside near session lows.Crude is on the front foot, precious metals are mixed, and base metals are higher across the board despite softer Chinese inflation.Looking ahead, US Employment Trends, Wholesale Sales, NY Fed SCE, Apple iPhone Event, Earnings from Oracle.Read the full report covering Equities, Forex, Fixed Income, Commodites and more on Newsquawk

My guest this week is Mark Dow. Mark started his career as an economist with the US Treasury and the IMF before he joined Wall Street. Today, he is the founder of behavourialmacro.com and runs a fund that combines his skillsets as a trader and an economist. In this discussion, we talk about why economists are usually bad investors, how Mark approaches markets, and we cover some provocative ideas - including how Quantitive Easing and Tightening have little effect and why Mark's not worried about US debt. Please enjoy this great conversation with Mark Dow For the full show notes, transcript, and links to the best content to learn more, check out the episode page here. ----- Making Markets is a property of Colossus, LLC. For more episodes of Making Markets, visit joincolossus.com/episodes. Stay up to date on all our podcasts by signing up to Colossus Weekly, our quick dive every Sunday highlighting the top business and investing concepts from our podcasts and the best of what we read that week. Sign up here. Follow us on Twitter: @makingmkts | @ericgoldenx Editing and post-production work for this episode was provided by The Podcast Consultant (https://thepodcastconsultant.com). Show Notes (00:01:06) Welcome to Making Markets (00:01:53) Starting the Conversation: Economists as Investors (00:03:31) Transition from Economist to Trader: A Personal Journey (00:05:32) Understanding Market Narratives and Trading Patterns (00:08:09) The Role of the Federal Reserve in Market Narratives (00:09:26) The Impact of Monetary Policy on Market Dynamics (00:09:40) The Behavioral, Secular, and Cyclical Factors Influencing Monetary Policy (00:11:52) The Limitations of the Federal Reserve's Control Over Money Creation (00:14:40) The Behavioral Conditioning of Interest Rates (00:16:26) Understanding the Role of Banks in Money Creation (00:17:16) The Misconceptions about Monetary Policy (00:17:50) The Mechanics of Quantitative Easing (00:18:50) The Impact of Quantitative Easing on the Economy (00:19:55) The Role of Risk Appetite in Lending (00:21:25) The Effect of Economic Expectations on Yields (00:22:19) The Role of the Fed in the Financial System (00:26:53) The Impact of Competitive Pressures on Risk Taking (00:27:13) Understanding the Financial Instability Hypothesis (00:31:01) The Role of Demand in Asset Valuation (00:34:05) Understanding the Market Risk Cycle (00:34:13) The New Cycle and Its Differences (00:35:11) Economic Headwinds and Future Predictions (00:35:41) The Role of Banks and Areas of Concern (00:36:46) The Impact of Debt and the Financial System (00:37:15) The Role of Government Debt and Its Implications (00:37:36) The Stability of Treasuries and the Global Financial System (00:38:07) The Future of the Dollar and Government Debt (00:39:14) The Impact of Growth and Productivity on the Economy (00:40:03) The Risk Cycle and the Role of Institutions (00:42:06) The Impact of Fiscal Deficit and Modern Monetary Theory (00:48:55) Understanding Income Inequality and Asset Price Inflation (00:50:28) The Role of Finance and Technology in Income Inequality (00:53:34) The Future of the Housing Market Learn more about your ad choices. Visit megaphone.fm/adchoices

On the latest episode of Risk Management: Brick by Brick, Jason Reichl is joined by Melissa Hollingsworth, Enterprise Risk Manager at Atlanta Housing.

In this episode of (Re)thinking Insurance, Mark Mennemeyer is joined by Gerard Anderson and Muhammad Amjad to take a fresh look at capital risk appetite and internal model calibrations. They examine the challenges and implications of recent dramatic shifts in interest and swap rates, highlighting the importance of robust internal model calibrations and scenario testing to manage potential volatility.

As June draws to a close, co-hosts Emily Wearmouth and Max Havey zoom out a bit to reflect on some of the most interesting episodes of 2024, the trends that are piquing their interest, and peak at what they're hoping to cover in the rest of the year to come. This episode is great, particularly if you're a new listener looking for a place to start. Some of the episodes covered include:How to Use a Magic Quadrant and Other Industry Research (with Steve Riley & Mona Faulkner)Changing Perceptions of Risk Appetite (with David Fairman & Jack Freund)Personal Resilience in Cyber (with Shanon Jurkovic and Samm Macleod)Young Voices on Diversity in Cyber (with Jacklyne Mbuthia, Sam Van Stockrom, and Ally Frame)Elections, Disinformation, and Security (with Shamla Naidoo)Zero Trust: It's More Than Just Identity (with John Kindervag & Neil Thacker)The Intersection of Zero Trust and National Security (with Chase Cunningham)

In this episode of the Risk Intel Podcast, we invite Tyler Pihl, VP - Enterprise Risk at Service Credit Union back to the show to share best practices and guidance on crafting risk appetite statements. Tyler provides valuable insights on rewriting and maintaining risk appetite statements, integrating risk management into organizational culture, and shares concrete examples with our audience. Follow SRA to Learn More.Follow us to stay in the know!

Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society.   Justin Smulison interviews three of his favorite people, Lorie Graham, Trisha Sqrow, and Dr. Lianne Appelt, who are the three authors of the new RIMS Executive Report, Developing and Refining Risk Appetite and Tolerance. They discuss how the executive report was conceived and written, and what the challenges were in writing it. The report contains insight and direction on the need for a clear and accessible risk appetite statement and risk tolerance in any organization using ERM. They speak of challenges risk professionals face in setting a risk appetite statement, and why risk appetite is essential for organizations today, Key Takeaways: [:01] About RIMS and RIMScast. [:15] About this episode of RIMScast, coming to you from RIMS Headquarters in New York. We will be joined by past and present members of the RIMS Strategic and Enterprise Risk Management Council to discuss their new RIMS Executive Report, Developing and Refining Risk Appetite and Tolerance. [:47] First, let's talk about RIMS Virtual Workshops. The full calendar of virtual workshops is at RIMS.org/VirtualWorkshops. On June 11th and 12th, we've got Applying and Integrating ERM. Also on June 11th and 12th, we have Fundamentals of Insurance. On June 18th and 19th, we have Fundamentals of Risk Management. [1:09] On July 9th and 10th, we have Managing Workers' Compensation. On July 23rd and 24th, we have Claims Management. Other dates for Fall and Winter are on the Virtual Workshops full calendar at RIMS.org/VirtualWorkshops. [1:27] Let me tell you about the new dedicated RIMScast episode that just went live, sponsored by Otoos, “Accident Prevention — The Winning Formula For Construction and Insurance”. I interviewed Dana Kfir, the Director of Customer Success at Otoos about how technology can improve safety on construction sites and how companies can use incentives to drive change. [1:57] The link to this dedicated episode is in this episode's show notes. It is complimentary for RIMS members and nonmembers. Go check it out! If you are interested in producing a similar special episode of RIMScast that features your organization and is tailored to meet the needs of your audience, reach out to us at Content@RIMS.org or Sales@RIMS.org. [2:23] The RIMS Canada Conference 2024 will be held in Vancouver from October 6th through October 9th. The deadline for session submissions has been extended through May 30th! Visit RIMSCanadaConference.ca or the link in this episode's show notes to learn more about how you can submit your educational session for consideration at RIMS Canada Conference 2024. [2:54] As mentioned, RIMS has a new Executive Report called Developing and Refining Risk Appetite and Tolerance. It is available through the link in this episode's show notes and through the Risk Knowledge page at RIMS.org. The report was jointly authored by three of my favorite people, Lorie Graham, Trisha Sqrow, and Dr. Lianne Appelt. [3:19] All have been featured in the ERM Q&A Series. Trisha and Lorie have both been featured here on RIMScast, and Lianne is making her debut. We're going to talk all about this wonderful new Executive Report that was just released. We'll see where we can extend the dialog beyond the report. [3:43] Lorie Graham, Trisha Sqrow, and Dr. Lianne Appelt, welcome to RIMScast! [3:53] I am joined by three of my favorite RIMS members. Two of you are returning to RIMScast. One is making your RIMScast debut, Dr. Lianne Appelt. People might know Dr. Lianne Appelt from RIMS-CRMP Stories, earlier this year. [4:36] Trisha Sqrow of Marsh is next. Trisha says it's great to be part of the Strategic and Enterprise Risk Management Council. Trisha was with DFW Airport when they received Honorable Mention for the ERM Award of Distinction in 2021. [5:38] Lorie Graham is “the leading Oracle of ORSA.” Lorie was the Vice-Chair and Chair of the RIMS Strategic and Enterprise Risk Management Council. As the former Chair, Lorie kept her word and helped see this paper through. [6:23] Lianne says that putting together a risk appetite statement or devising risk tolerance levels or the other elements described in this paper are some of the hardest things we do as risk professionals. When this was discussed in the Council, Lianne saw potential value in having a guide with examples for risk practitioners to learn from and use to grow their programs. [7:54] This paper was Trisha's first project on the Strategic and Enterprise Risk Management Council (SERMC). Through working on this paper, Trisha got to know Lorie and Lianne. She used her knowledge and grew a lot in the knowledge gained from Lorie and Lianne. They divided and conquered, each doing an aspect of the project. [8:43] Lorie says working on the paper was a shared responsibility. They each had a different perspective, coming from different industries, having different roles, and facing different challenges in their organizations. It was fun to learn from each other. [9:30] Developing and Refining Risk Appetite and Tolerance is available through a link in the show notes. Lorie says that risk appetite is the direction your company wants to go and tolerance is the amount of variability around that target that you are willing to accept. Tolerance statements are like guard rails. Lorie explains more about risk appetite. [11:15] Lianne talks about when and how to start developing risk appetite and tolerance. It is discussed in detail in the paper. It depends on the circumstances, your stakeholders, and your leadership team. It can take a lot of input, iterations, and time. Use the guidance of your risk culture and make sure you achieve your objectives as a risk practitioner. [13:04] Lianne says a big part is understanding the culture and the organization. Risk appetite is usually one of the last things an organization addresses because it is hard. Your impact statements can inform your appetite and tolerance statements. [14:53] Lorie says the words of the risk appetite statement need to reflect metrics that are important to your business, in the language of the business, and connect to your business goals so people see why it is important. People need to understand the statements. Keep them fresh as the business evolves and the environment changes. [15:55] Whittling the statements down to one or two sentences can be hard, but it is important. It won't be perfect the first time. See how people translate it into the business. [16:27] It's RIMS plug time! Webinars! On June 6th, Evident ID makes its RIMS Webinars debut with Uncovering Hidden Risks in Your Third-Party Risk Management Program. On June 13th, our friends at Riskonnect return to present Unlocking the Value of Business Continuity and Insurable Risk Management. There are more to be announced for June and July! [16:52] Register at RIMS.org/Webinars. Webinars are complimentary for RIMS members! [16:59] The RIMS ERM Conference 2024 will be held on November 18th and 19th in Boston, Massachusetts. The agenda will be announced soon, as will a call for submissions for the ERM Award of Distinction. I'll have that link up soon on an upcoming episode. [17:17] Review your organization's ERM program, and if you feel it was successful and you have the numbers and the data to back it up, compile that information and get ready to submit your ERM program for the ERM Award of Distinction. [17:32] The Spencer Educational Foundation has the goal of helping build a talent pipeline of risk management and insurance professionals. They achieve that goal in part through a collaboration with risk management and insurance educators across the United States and Canada. This also applies to not-for-profit entities. [17:51] If this description applies to you, you should apply for a Spencer General Grant. The application deadline is July 30th, 2024. General Grant awardees are typically notified at the end of October. [18:07] The Spencer 2024 Funding Their Future Gala will be held on Thursday, September 12th, 2024 at The Cipriani 42nd Street in New York City. Links are in this episode's show notes. [18:43] Dr. Lianne Appelt is featured now on the RIMS-CRMP Stories.  A link is in the show notes. Lianne speaks of common challenges risk professionals face when developing risk appetite and tolerance statements. A lot of the challenges are interdependent. One challenge is where setting a risk appetite statement and developing tolerance ends up being a compliance activity. [19:28] For many, it is a “check-the-box” exercise they don't want to spend a ton of time, effort, or energy thinking about how it can add value to the business. They want to do the bare minimum and move on. That leads to another challenge, the “set-it-and-forget-it” situation. If it sits on a shelf or in a Dropbox folder and nobody looks at it, it doesn't add any value to the program. [20:41] Trisha says some of it is having an unclear value proposition and not relating it to the business or the culture of the organization. People ask, “We're doing fine, there have never been issues, so why do we need this?” The value proposition of appetite and tolerance is that it empowers decision-making throughout the organization. It replaces bureaucracy in decisions. [21:36] Statements of risk appetite and tolerance allow you to allocate resources properly to bump up tolerance when needed. They help the organization to be more agile. They tie ERM to your business's strategic goals and initiatives. [22:43] One of the biggest challenges Lorie faced was asking herself, if you set a tolerance and exceeded the tolerance, did you fail? If you exceeded the appetite, did you fail? It's not failure, it's an opportunity to see it coming, know that you're reaching it, and have a strategy before you get there to change your trajectory, risk appetite statement, or goals. [23:26] Get people on board with the understanding that not hitting the target isn't a failure. As you're developing the program, allow for what to do when you need to make an exception. How does that play into how you report? You want to make it so it's not punitive. You want a culture of people being open about variances. It might be an opportunity to be OK with an exception. [24:32] You don't want to chase the data and adjust your tolerance all the time, but it's OK to look at what your appetite is, as you go forward. [24:47] Lianne says another common challenge is the organization's leadership, board or legal team has decided that they absolutely will not put something on paper in terms of risk appetite. That is fairly common in industries like tech, where there is no mandate for ERM. The risk team has to come to the table and demonstrate that value proposition so the leadership understands. [25:30] If the leadership is adamantly against it, what do you do? That is touched on in the executive report. You can achieve objectives without having a formal risk appetite statement. [25:48] Lorie has not seen leadership resistance, as she is in the financial industry where risk appetite statements and tolerance are required. She addresses falling out of target for tolerance. If you've done it right, you see it coming and have a risk response plan. Lorie shares a financial example where an action plan is triggered and a crisis is prevented. [27:13] Trisha and Lianne presented this at RISKWORLD 2024. It was well-attended with lots of audience participation. They had made a similar presentation at the ERM Conference in Denver. The topic has led to more questions and comments than Trisha has ever had at a speaking event. When they put up the QR code for the paper, lots of phones went up. [28:09] Lianne thought it was fantastic. There were good questions. Lots of people resonated with the challenges Trisha and Lianne presented. Lianne hopes the paper will help guide them on their journeys. If anyone wants to download the paper it is available on the Risk Knowledge page of RIMS.org. Lianne has gotten emailed questions from the session and answered them. [29:30] Lianne was an extra in Wonder Woman 2. Justin was an extra in Find Me Guilty with Vin Diesel, directed by Sidney Lumet. [31:14] Lorie looks first and foremost for curiosity in a new hire for ERM. You need to be curious about the cause and effect of things. You also need good data analytic skills, and acumen for making critical decisions, using deduction, and coming to conclusions. With those skill sets, you can be tremendous at ERM risk management. [31:56] Trisha looks for collaboration. A risk practitioner works with people from all over the organization. She looks for people able to gather and understand people's points of view and meet them where they are, sometimes with persuasiveness. It is important to speak to people at all levels of the organization. ERM is at that strategic level so you'll have to speak with leaders. [32:59] On top of those great qualities, Lianne adds perseverance and flexibility. Especially in tech, there is constant change and evolution. If something doesn't work the first time, you can't give up. You have to be able to maneuver situations creatively and come up with solutions that speak to the culture of the business. That makes you more collaborative and successful in ERM. [33:42] This has been such a fun interview. You wrote a terrific paper, Developing and Refining Risk Appetite and Tolerance. We appreciate all you do for RIMS! On behalf of the organization, thank you very much! [34:11] Special thanks once again to Lorie Graham, Trisha Sqrow, and Dr. Lianne Appelt for joining us here today on RIMScast. They co-authored the new RIMS professional report, Developing and Refining Risk Appetite and Tolerance. It is available through a link on this episode's show notes. We're very grateful to them for all their contributions. [34:33] We hope to see them in some capacity at the RIMS ERM Conference 2024 in Boston, Massachusetts, November 18th and 19th. More details about that conference are on the way. [34:46] It's plug time! The RIMS App is available to RIMS members exclusively. Go to the App Store and download the RIMS App with all sorts of RIMS resources and coverage. It's different from the RIMS Events App. Everyone loves the RIMS App! [35:18] You can sponsor a RIMScast episode for this, our weekly show, or a dedicated episode. Links to sponsored episodes are in our show notes. RIMScast has a global audience of risk and insurance professionals, legal professionals, students, business leaders, C-Suite executives, and more. Let's collaborate! Contact pd@rims.org for more information. [36:01] Become a RIMS member and get access to the tools, thought leadership, and network you need to succeed. Visit RIMS.org/membership or email membershipdept@RIMS.org for more information. [36:19] Risk Knowledge is the RIMS searchable content library that provides relevant information for today's risk professionals. Materials include RIMS executive reports, survey findings, contributed articles, industry research, benchmarking data, and more. [36:35] For the best reporting on the profession of risk management, read Risk Management Magazine at RMMagazine.com. It is written and published by the best minds in risk management. Justin Smulison is the Business Content Manager at RIMS. You can email Justin at Content@RIMS.org. [36:56] Thank you for your continued support and engagement on social media channels! We appreciate all your kind words. Listen every week! Stay safe!   Mentioned in this Episode: RIMS Executive Report: Developing and Refining Risk Appetite and Tolerance RISKWORLD 2025 will be in Chicago! May 4‒7 RIMS DEI Council Spencer Educational Foundation — Grants Page — Apply Through July 30 RIMS-Certified Risk Management Professional (RIMS-CRMP) RIMS-CRMP Virtual Workshops RIMS Strategic & Enterprise Risk Center NEW FOR MEMBERS! RIMS Mobile App RIMS Canada 2024 — Submit a session through May 30!   Guests' prior interviews: “ORSA Reporting: It Seems To Be A Hot Topic with Lorie Graham” “Trisha Sqrow Talks ERM in the Air and on the Ground” Dr. Lianne Appelt: RIMS-CRMP Interview   RIMS Webinars: Uncovering Hidden Risks in Your Third-Party Risk Management Program | Sponsored by EVIDENT ID | June 6, 2024 Unlocking the Value of Business Continuity and Insurable Risk Management | Sponsored by Riskonnect | June 13, 2024 RIMS.org/Webinars   Upcoming Virtual Workshops: See the full calendar of RIMS Virtual Workshops RIMS-CRMP Prep Workshops   Related RIMScast Episodes: “Scenario Planning with the RIMS SERMC” “Climate Disclosures with RISKWORLD 2024 Session Leader Jana Utter” “Solving Wicked Problems with Dr. Gav Schneider” “Live From RIMS ERM Conference 2023”   Sponsored RIMScast Episodes: “Accident Prevention — The Winning Formula For Construction and Insurance” | Sponsored by Otoos (New!) “Platinum Protection: Underwriting and Risk Engineering's Role in Protecting Commercial Properties” | Sponsored by AXA XL “Elevating RMIS — The Archer Way” | Sponsored by Archer “Alliant's P&C Outlook For 2024” | Sponsored by Alliant “Why Subrogation is the New Arbitration” | Sponsored by Fleet Response “Cyclone Season: Proactive Preparation for Loss Minimization” | Sponsored by Prudent Insurance Brokers Ltd. “Subrogation and the Competitive Advantage” | Sponsored by Fleet Response “Cyberrisk Outlook 2023” | Sponsored by Alliant “Chemical Industry: How To Succeed Amid Emerging Risks and a Challenging Market” | Sponsored by TÜV SÜD “Insuring the Future of the Environment” | Sponsored by AXA XL “Insights into the Gig Economy and its Contractors” | Sponsored by Zurich “The Importance of Disaster Planning Relationships” | Sponsored by ServiceMaster   RIMS Publications, Content, and Links: RIMS Membership — Whether you are a new member or need to transition, be a part of the global risk management community! RIMS Virtual Workshops On-Demand Webinars RIMS-Certified Risk Management Professional (RIMS-CRMP) RIMS-CRMP Stories — New interview featuring RIMS Treasurer Manny Padilla! Spencer Educational Foundation “Leveraging Insurance and Risk Management to Address Political Risk” — RIMS Executive Report   RIMS Events, Education, and Services: RIMS Risk Maturity Model® RIMS Events App Apple | Google Play   Sponsor RIMScast: Contact sales@rims.org or pd@rims.org for more information.   Want to Learn More? Keep up with the podcast on RIMS.org and listen on Spotify and Apple Podcasts.   Have a question or suggestion? Email: Content@rims.org.   Join the Conversation! Follow @RIMSorg on Facebook, Twitter, and LinkedIn.   About our guests: Lorie Graham, Senior VP and Chief Risk Officer at American Agricultural Insurance Company Trisha Sqrow, Vice President at Marsh   Lianne C. Appelt, Sc.D., RIMS-CRMP, Head of Enterprise Risk Management at Salesforce   Tweetables (Edited For Social Media Use): Putting together a risk appetite statement or devising risk tolerance levels or any of the elements described in this paper are some of the hardest things we do as risk professionals. — Dr. Lianne Appelt   Risk appetite is the direction your company wants to go and tolerance is the amount of variability around that target you are willing to accept before you change your strategy. — Lorie Graham   For many, setting a risk appetite statement and developing tolerance is a “check-the-box” exercise they don't want to spend a ton of time, effort, or energy thinking about how it can add value to the business. — Dr. Lianne Appelt   In a new ERM hire, I look for collaborative skills. A risk practitioner works with people from all over the organization. I look for people able to gather and understand people's points of view and meet them where they are, sometimes with persuasiveness. — Trisha Sqrow

European bourses trade mixed; Stateside futures are entirely in the green; US “Big 6” downgraded at UBSDollar is flat, Antipodeans benefit from positive risk appetite, whilst safe-havens are modestly sufferBonds are pressured and contained within a tight rangeCrude is subdued given the lack of geopolitical escalation over the weekend; XAU is softer and at session lowsLooking ahead, BoC's Market Participants Survey, Comments from ECB's Lagarde, Supply from the US, Earnings from SAP, Renault, Verizon & Cleveland-CliffsRead the full report covering Equities, Forex, Fixed Income, Commodites and more on Newsquawk

APAC stocks followed suit to the losses in the US amid geopolitical concerns and hawkish-leaning Fed rhetoric.Fed's Kashkari and Goolsbee noted that it is possible the Fed will not cut this year if inflation stalls.European equity futures indicate a weaker open with the Euro Stoxx 50 future -1.3% after the cash market closed flat on Thursday.DXY is a touch firmer, EUR/USD eased back from two weeks highs but remains on a 1.08 handle, antipodeans lag.The CIA reportedly warned of an imminent retaliatory attack on Israel by Iran, while Israel raised its alert level at embassies worldwide.Looking ahead, highlights include US NFP, Canadian Jobs, German Industrial Orders, EZ/UK Construction PMIs, EZ Retail Sales, Comments from Fed's Collins, Barkin, Bowman & Logan.Read the full report covering Equities, Forex, Fixed Income, Commodites and more on Newsquawk

In this conversation, Dan Elliott, principal cybersecurity risk advisor at Zurich, discusses new ways leaders can assess their risk appetite.KEY TOPICS: ·      how risk appetite effects your cyber security plans, ·      explaining risk appetite in cyber security to leadership, ·      how security planning involves risk appetite, ·      new ways leaders can assess their risk appetite, ·      how cyber insurance works, ·      how cyber insurance is only one part of risk management, ·      and risk management beyond cyber insurance. Chapters·      00:00 Introduction and Role Explanation·      03:26 Transferring Risk and Risk Appetite·      06:01 The Complexity of Insurance and Risk Management·      07:41 Insurance as One Part of Risk·      08:10 The Impact of Breaches Beyond Insurance·      09:48 Career Journey: From Coding to Law Enforcement·      16:32 Concerns of Organizational Leaders·      20:22 Breakdown in Communication between Technology Leadership and the Board·      21:19 Explaining Risk Mitigation and Funding Needs·      22:46 Constantly Evolving Security Programs·      23:02 Challenges and Techniques in Fighting Breaches·      24:07 The Complexity of Cybersecurity Breaches·      25:13 The Priming Process and Research Involved in Breaches·      26:07 Measuring and Quantifying Risk in Cybersecurity·      27:03 Compliance vs. Cybersecurity·      28:03 The Importance of Cyber Risk Quantification·      29:11 The Role of Compliance and Security in the Financial Industry·      30:02 Preparing for a Data Breach: Incident Response Planning·      34:06 The Role of Law Enforcement in Incident Response·      36:22 The Difference Between Compliance and Security·      43:38 The Impact of Poor Preparation on Breach Response·      44:34 Preparing for a Data Breach: Incident Response Plan·      48:28 The Importance of Practice and Preparedness·      49:24 Upcoming Events and Focus on Helping ClientsTry KiteWorks today at www.KiteWorks.comDon't Miss our Video on this Exciting KiteWorks Offer! Try KiteWorks today at www.KiteWorks.comDon't miss this Video on it!The Most Secure Managed File Transfer System. Watch Video Episodes! And Please...Subscribe to our YouTube Channel. Want to help us out? Leave us a 5-Star review on Apple Podcast Reviews. Submit Your Questions Direct and Find out more www.CyberCrimeJunkies.com Stay up-to-date on Cybersecurity with VIGILANCE Newsletter. Want Gear? We love our Small Business Sponsor, BlushingIntrovert.com. has it all. Women's clothing, cool accessories supporting Mental Health Research. https://blushingintrovert.com

In this intriguing episode of Business Growth Talks with Mark Hayward, listeners can expect to delve into the world of profitability, financial management, and the essence of entrepreneurship with profitability advisor Rocky. From discussions on the true purpose of business to the intricacies of cash flow management, this episode is ripe with actionable advice for entrepreneurs looking to steer their ventures towards sustainable growth.Rocky shares his insights on the Profit First methodology, offering a fresh take on financial planning and emphasizing the importance of paying oneself first. He reflects on the differences between lifestyle entrepreneurs and empire builders, underscoring the significance of entering business with clear objectives and expectations. Furthermore, the conversation explores how financial decision-making can be a pivotal factor in navigating the complexities of market expansion and scaling.Key Takeaways:Embrace a business mindset where profitability is prioritized without undermining personal values and well-being.Understand that business growth is not just about sales; effective financial management plays a crucial role in avoiding cash flow pitfalls.Implementing the 'Profit First' system can fundamentally improve a business's cash flow and establish financial discipline.Risk appetite in business should balance ambition with financial stability, acknowledging that high rewards can be earned through strategic, low-risk investments.The growth journey of a business requires systematization and an eventual shift from an operational role to a strategic leadership mindset.Support the showDo you want to be a guest on multiple podcasts as a service go to:www.podcastintroduction.comFind more details about the podcast and my coaching business on:www.businessgrowthtalks.comDo you want to be a podcaster? Sign up onwww.abmpodcastcourse.co.ukFind me onLinkedIn - https://www.linkedin.com/in/mark-hayw...Facebook - https://www.facebook.com/markjhayward​

Ground Labs' Head of Engineering, Swati Shekhar, shares her circuitous route from and back to engineering. Always being interested in leveraging the tools available to solve problems, Swati talks about how she found her place in engineering. She mentions how she had her first real experience with a computer when she was 17 in her first year at college. Aside from being one of 30 young women in a sea of 500 young men there, Swati described it as a "good culture shock because anything that takes you out of your comfort zone actually makes you learn and grow." She notes that challenges experienced in life increase your risk appetite so significantly. Swati advises those looking to make a job change to be certain of what is attracting them and to be yourself. We thank Swati for sharing her story with us.

Ground Labs' Head of Engineering, Swati Shekhar, shares her circuitous route from and back to engineering. Always being interested in leveraging the tools available to solve problems, Swati talks about how she found her place in engineering. She mentions how she had her first real experience with a computer when she was 17 in her first year at college. Aside from being one of 30 young women in a sea of 500 young men there, Swati described it as a "good culture shock because anything that takes you out of your comfort zone actually makes you learn and grow." She notes that challenges experienced in life increase your risk appetite so significantly. Swati advises those looking to make a job change to be certain of what is attracting them and to be yourself. We thank Swati for sharing her story with us.

We're coming off of another good market month. Sentiment is bullish, and we'll look into why that's the case. We'll then discuss how/why we should hedge that optimism with historical data and end with updates on the electric vehicle and bond markets. Key Takeaways [00:16] - The risk appetite has returned [04:52] - Why are the vibes the way they are right now? [09:09] - Hedging optimism [13:15] - Mania in the EV sector  [18:42] - Bond market update Links Detrick: what happens historically when the S&P 500 is higher in both Jan and Feb Carlson: A long time horizon is the ultimate equalizer in the stock market Apollo's Torsten Slok Says Fed Will Not Cut Rates in 2024 Detrick: stocks are up because we are looking at a major jump in productivity and EPS over the coming years Galloway: Corporate Ozempic Rivian and EV mania Connect with our hosts Doug Stokes Greg Stokes Stokes Family Office Subscribe and stay in touch Apple Podcasts Spotify Google Podcasts lagniappe.stokesfamilyoffice.com Disclosure The information in this podcast is educational and general in nature and does not take into consideration the listener's personal circumstances. Therefore, it is not intended to be a substitute for specific, individualized financial, legal, or tax advice. To determine which strategies or investments may be suitable for you, consult the appropriate, qualified professional prior to making a final decision.

In this episode of CISO Tradecraft, host G Mark Hardy is joined by special guest Rick Howard, Chief Security Officer, Chief Analyst and Senior Fellow at CyberWire. Rick shares his insights on first principles in cybersecurity, discussing how these form the foundations of any cybersecurity strategy. He emphasizes the importance of understanding materiality and integrating the concept of time bound risk assessment to achieve a resilient cybersecurity environment. The episode also delves into the value of Fermi estimates and Bayes algorithm for risk calculation. Amid humor and personal anecdotes, Rick and Mark also reflect on their experiences during 9/11. Rick introduces his book, 'Cybersecurity First Principles', elucidating the rationale behind its conception. Link to the Cybersecurity First Principles Book: https://www.amazon.com/Cybersecurity-First-Principles-Strategy-Tactics/dp/B0CBVSX2H2/?&_encoding=UTF8&tag=-0-0-20&linkCode=ur2&linkId=1b3010fb678a109743f1fb564eb6d0fc&camp=1789&creative=9325 Transcripts: https://docs.google.com/document/d/1y8JPSzpmqDMd-1PZ-MWSqOuxgFTDVvre Chapters 00:00 Introduction 02:00 Guest's Career Journey and Achievements 08:49 Discussion on Cybersecurity First Principles 15:27 Understanding Materiality in Cybersecurity 21:56 The Gap Between Security Teams and Business Leaders 22:21 The Importance of Speaking the Language of Business 23:03 The Art of the Elevator Pitch 24:04 The Impact of Cybersecurity on Business Value 25:10 The Importance of a Clear Cybersecurity Strategy 26:04 The Value of Business Fluency in Cybersecurity 27:44 The Role of Risk Calculation in Cybersecurity 29:41 The Power of Estimation in Risk Management 30:33 The Importance of Understanding Business Imperatives 41:25 The Role of Culture and Risk Appetite in Cybersecurity 45:39 The First Principle of Cybersecurity

Equities are firmer, though have been dipping lower as attention turns to US CPI and geopolitics intensifyOil tanker (St. Nikolas) has reportedly been boarded by Iranians in the Gulf of Oman; prompting crude upside and denting risk appetite somewhatDollar is flat and Yen falls back below the 145.50 level; Kiwi outperforms benefitting from AUD/NZD crossBonds bid though within ranges, benchmarks seemingly capped by energy upside ahead of US CPILooking ahead, US CPI, IJC, Philly Fed Manufacturing Business Outlook Survey, Supply from US, Speak from Fed's Barkin and MesterRead the full report covering Equities, Forex, Fixed Income, Commodites and more on Newsquawk

It is commonly assumed that higher returns require higher risk to be accepted. Fear and greed may outperform over the short term but often the last investor in does poorly. Long periods of stimulus provide warning that economic cycles come to an end eventually. By Max Rudolph.

On this week's episode Kevin Mackey, CEO of 1000Zebras, describes how he sought out various career opportunities to solidify his generalist skillset as an entrepreneurial operator. Kevin discusses how weighing risk and opportunity cost gave him the confidence needed to approach each career pivot. Hatu and Kevin also discuss how 1000Zebras is working towards becoming the marketplace for finding and hiring fractional talent. - Connect with Kevin: LinkedIn: https://www.linkedin.com/in/kevin-mackey-1000zebras/ Twitter: https://twitter.com/kevmack12?lang=en - Connect with us: LinkedIn: https://www.linkedin.com/company/power-pivots/ Twitter: https://twitter.com/PowerPivots Instagram: https://www.instagram.com/power.pivots/ - Career Coaching Interest Form: https://forms.gle/9WH3BE8mFeDhZGVY7 --- Support this podcast: https://podcasters.spotify.com/pod/show/hatu-kanu/support

How have perceptions and appetite for risk changed over the past 5 years? In this episode of Security Visionaries we speak to the man who literally co-wrote the book on risk, Jack Freund, Chief Risk Officer at Kovrr, along with a CIO and CISO who has worked for more than one global financial institution, David Fairman CIO & CSO - APAC at Netskope, to try to better understand how cyber risk sits within broader organization risk decisions.

On this episode we discuss the four key roles Boards play in cybersecurity. Setting the company's vision and risk strategy Reviewing assessment results Evaluating management cyber risk stance Approving risk management plans Big thanks to our sponsor: Risk3Sixty - https://risk3sixty.com/whitepaper/ Transcripts - https://docs.google.com/document/d/1jarCcQYioT59jtIrppH4xZqyAy4Vn_tB/ Chapters 00:00 Introduction 01:36 What is a Board of Directors and what do they do? 09:33 FFIEC requirements for Boards 16:51 Establishing an Information Security Culture 19:08 Vision and Risk Appetite 22:00 Reviewing Cyber Assessments 25:09 Are we secure? 32:44 Castle Walls and Attacks 33:37 Getting your budget requests approved 37:10 Using use or loose money and reserved funding

In a world where expected success follows a predetermined route, there are those who shatter conventions and pave their path to greatness. In this episode we unravel the incredible journey of Pradeep Kumar Sacitharan, a true maverick who defied societal norms and emerged triumphant. From a high school dropout and gangster to a renowned scientist, entrepreneur, and author, Pradeep's story is a testament to the power of embracing risk, challenging the status quo, and crafting one's unique path. Takeaway 1: Learning vs. Studying Pradeep highlights the crucial difference between learning and studying. He emphasizes how the traditional educational system often places undue emphasis on studying and memorization, which does not always align with individual learning styles. True learning involves understanding, curiosity, and a desire to explore beyond textbooks. Takeaway 2: Risk Appetite and Resilience Pradeep's story is a testament to the power of risk appetite and resilience. He challenges listeners to develop a healthy risk appetite, make calculated choices, and embrace failure as a stepping stone toward success. His journey also reinforces the notion that resilience is a learned skill, acquired through facing challenges head-on and adapting to different circumstances. Takeaway 3: Challenging the System and Personal Growth Pradeep's journey is marked by a consistent theme of challenging the status quo. He dropped out of various systems to carve his unique path, ultimately becoming an entrepreneur with his own business. Personal growth often comes from pushing boundaries, questioning norms, and redefining one's own limits. His story serves as an inspiration to anyone seeking to break free from societal norms, foster resilience, and forge their path to success. Learn more about him - https://www.linkedin.com/in/pksacitharan/