Podcasts about risk averse

Risk aversion once kept us alive. Today, it often keeps us trapped. Drawing on evolutionary psychology, personality theory, and clinical experience, this essay explores how outdated risk‑avoidance strategies—especially common in obsessive‑compulsive personality styles—shrink our lives, suppress desire, and turn comfort zones into psychic prisons. Living longer isn't the same as living better.

In this episode of the Smells Like Money Podcast, we continue a timely and critical conversation on innovation, risk management, and the future of water and wastewater infrastructure. As pressures on public systems intensify—from aging facilities and workforce shortages to emerging contaminants and energy constraints—this discussion explores how engineers, utilities, and public agencies can responsibly adopt new technologies without compromising public health, safety, or trust.We examine how long-standing “orthodox beliefs” within engineering and infrastructure decision-making can unintentionally slow progress and limit innovation. The episode challenges the industry to rethink who has a seat at the table and why interdisciplinary collaboration—across engineering, technology, energy, remediation, and environmental restoration—is becoming essential to solving today's most complex infrastructure problems.The conversation dives into real-world challenges facing water and wastewater systems, including landlocked treatment facilities, oversized plants, PFAS treatment complexities, and increasing infrastructure demands driven by data centers and energy use. Rather than defaulting to costly “build it bigger” solutions, we explore how modular treatment systems, pilot testing, treatability studies, batch processing, and public-private partnerships can offer smarter, more adaptable paths forward.We also discuss how workforce shortages are accelerating the need for automation, AI, and data-driven decision-making—and how these tools can support engineers rather than replace professional judgment. Drawing on examples from adjacent industries, the episode highlights how cross-industry thinking has already delivered measurable outcomes, including cleaner waterways, restored ecosystems, improved system efficiency, and long-term operational resilience.This episode closes with a clear call to action: innovation in water and civil infrastructure is no longer a future consideration—it is a present-day responsibility. Progress happens when the industry shifts from asking why we can't to how we can, using technology as a tool to enhance resilience, sustainability, and system optimization while maintaining public confidence.earn more about ASCE at asce.orgConnect With Ken Mika, PE:Tetra TechEmail: ken.mika@tetratech.comLinkedIn: https://www.linkedin.com/in/kennethrmika/Website:asce.orgI hope you find this episode as informative and as exciting as we have.Please let us know your thoughts about the episode!Connect with Suzan Chin-Taylor, host of The DooDoo Diva's Smells Like Money Podcast:Website: www.creativeraven.com | https://thetuitgroup.com/LinkedIn: https://www.linkedin.com/in/creativeraven/Email: raven@creativeraven.com Telephone: +1 760-217-8010Listen and subscribe here to your favorite platform:Apple Podcast - Google Podcast - Cast Box - Overcast - Pocket Casts - YouTube - Spotifyhttps://creativeraven.com/smells-like-money-podcast/ Subscribe to the Podcast:https://creativeraven.com/smells-like-money-podcast/Be a guest on our show:https://calendly.com/thetuitgroup/be-a-podcast-guestCheck Out my NEW Digital Marketing E-Course & Coaching Program just for Wastewater Pros:https://store.thetuitgroup.com/diy-digital-marketing-playbook-for-wastewater-pros#InfrastructureInnovation #WaterTech #EnergySolutions #CivilEngineering #WastewaterManagement #Sustainability #EnvironmentalEngineering #TechnologyInEngineering #SmartInfrastructure #FutureOfWater #EngineeringSolutions #PublicHealthSafety #CleanWater #InnovationInAction #SustainableSystems

Mike and Rico provide an update to the Tigers/Tarik Skubal situation.

Billy The Bee Grant and Dave “Laney” Lane grabbed a table in a boozer straight off the train back from Manchester City and chewed over a busy few days for the BeesThey kick off with the growing murmurs around Keith Andrews, as some fans voice their unhappiness with the current style of football - seeing Brentford as increasingly risk-averse. Substitutions, game management, attacking intent and how the team reacts to situations are all debatedThe Leeds and Man City matches are reviewed. Jacob Gowler from Bees Breakdown provides a statistical and tactical lowdown on the Leeds game with the decision to sit back and protect the lead is highlighted as a moment that ultimately backfiredWe hear fans' verdicts after the Leeds and Man City matches. Jonathan “JB” Burchill delivers some League Cup Facts & FunkAttention then turns to Wolves, with Dave from the Talking Wolves podcast giving the opposition viewJacob Gowler follows up by explaining why Wolves are massively underperforming and why that could still be a huge problem for Brentford, particularly with doubts over key players Thiago and HendersonStraight-talking analysis, supporter reaction and proper football chat - all from the boozer Hosted on Acast. See acast.com/privacy for more information.

In this special edition of the Jets @ Noon podcast, Cam, Jim, and Tyson break down Leah Hextall's comments on 680 CJOB and ask the big question: are the Jets too risk-averse to swing for a superstar like Quinn Hughes? Learn more about your ad choices. Visit megaphone.fm/adchoices

Voltiris has developed spectroscopy-based solar panels that filter light for greenhouse crops while generating renewable energy. Unlike traditional opaque panels that cause 60-80% yield reduction in high-tech greenhouses, Voltiris's technology harvests only the light wavelengths unused by photosynthesis. In this episode, we sat down with Nicolas Weber, Co-Founder and CEO of Voltiris, to explore how a former BCG consultant and a PhD spectroscopist are navigating multi-season validation cycles with family-owned greenhouse operations across Northern Europe. Topics Discussed: Why spectroscopy expertise unlocked a solution to greenhouse energy challenges The technical reality: traditional solar creates 60-80% yield loss in high-tech greenhouses Earning credibility with second and third-generation greenhouse operators Time as constrained resource: multi-season validation in agriculture markets System-level thinking required to manage complex greenhouse operations Offline GTM in conservative B2B agriculture: fairs, referrals, and crop advisors Platform strategy: expanding from solar to complete greenhouse energy management GTM Lessons For B2B Founders: Time constraints differ fundamentally in hardware: Voltiris faces season-dependent validation cycles where "you can throw as much cash as you want on a tomato, it's going to take one year to demonstrate that it works." Most growers demand 2-3 full growing seasons before adoption. Hardware founders must structure runway, investor expectations, and partnership terms around immovable biological or physical timelines—not software-style iteration speeds. Product-market fit exists before product in infrastructure plays: Voltiris confirmed demand preemptively. Nicolas explains: "If the technological promise holds, there is demand...the growers, they already told us from the beginning we're waiting for solution like this to come." When selling infrastructure that solves existential problems (energy transition, electrification mandates), validate market pull before achieving technical proof. This inverts typical startup sequencing but derisks decades of R&D investment. Treat early customers as co-creation partners, not transactions: Voltiris positions initial deployments as "joint creation" rather than sales. Nicolas's pitch: "This is the future vision. Are you ready to build it with us and do you want to jump into that shit with us?" In markets with 25-30 year product lifecycles and 3-year company track records, transactional selling fails. Structure partnerships with shared risk, transparent data access, and collaborative problem-solving. Master domain expertise at operator level, not executive level: Voltiris's technical co-founders became greenhouse operations experts, not just energy technology experts. Nicolas credits this: "My two co founders are now among the best experts you have in terms of how to run a greenhouse." In complex B2B environments (agriculture, manufacturing, logistics), founders must understand day-to-day operations—not just C-suite pain points—to build credible solutions. Use direct feedback environments to compress learning cycles: Dutch growers provided unfiltered assessment within minutes. Nicolas values this: "If what you're building is not good, you would know directly within five, 10 minutes...they would say, not worth my time, please, the door is here." Seek brutally honest customer segments that accelerate validation, even if acquisition is harder. Fast negative feedback prevents wasted development cycles on wrong assumptions. //   Sponsors:  Front Lines — We help B2B tech companies launch, manage, and grow podcasts that drive demand, awareness, and thought leadership. www.FrontLines.io The Global Talent Co. — We help tech startups find, vet, hire, pay, and retain amazing marketing talent that costs 50-70% less than the US & Europe. www.GlobalTalent.co // Don't Miss: New Podcast Series — How I Hire Senior GTM leaders share the tactical hiring frameworks they use to build winning revenue teams. Hosted by Andy Mowat, who scaled 4 unicorns from $10M to $100M+ ARR and launched Whispered to help executives find their next role.  Subscribe here: https://open.spotify.com/show/53yCHlPfLSMFimtv0riPyM  

Jack is joined by Gavin to break down Tottenham's defeat to Aston Villa, a result that laid bare the increasingly cautious nature of Thomas Frank's side. From the conservative midfield of Palhinha and Bentancur to the lack of attacking spark and Xavi Simons' quiet display, it was another afternoon where control seemed to take priority over creativity. The pair also question whether Spurs' struggles come down to tactics or personnel with Tel and Odobert under scrutiny and debate the ongoing concerns around Pape Sarr's minutes and Vicario's form. The chat closes on the bigger issue: Tottenham's home form and atmosphere. With ticket prices sky-high and the football often uninspired, is it any wonder the stadium feels flat? Theme is Ghost Cat by Gillen. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Episode Info In this episode, I explore the paradox that is insurance. We buy risk from others, yet we are risk averse ourselves. Looking at the work of underwriters as compared to venture investors, you find that the skillset is actually nearly identical, but it's being deployed in opposite directions. I discuss that, why that might be, and what someone trying to bring innovation and change to insurance should keep in mind given this reality. Episode Highlights This episode is a unique and shorter installment with insights and reflections rather than our normal interview format. The focus is on exploring the concept of risk aversion within the insurance industry and comparing it to the venture capital world. Key Topics Discussed: Risk Aversion in Insurance:I see a paradox of risk aversion in an industry that essentially deals with buying and managing risk. Despite being in the business of risk, the insurance industry tends to be conservative and slow to change. Comparison with Venture Capital:A comparison is drawn between underwriters and venture capitalists, highlighting how both evaluate businesses but from different perspectives. While venture capitalists have a capped downside and potentially unlimited upside, underwriters face a capped upside and potentially unlimited downside. Analogies and Insights:I compare this to the Netflix show "Stranger Things" to describe the contrasting worlds of insurance and venture capital, likening them to the "Upside Down" and the real world. Economic Perspectives:Discussion on the economic frameworks within which underwriters and venture capitalists operate, emphasizing the differences in risk and reward dynamics. Personal Reflections:The episode includes personal anecdotes and reflections on the nature of risk, decision-making, and the psychological aspects of dealing with uncertainty. Conclusion: The episode concludes with a call to embrace conversations about risk and change, encouraging listeners to prepare for and adapt to new challenges in their professional environments. This episode is brought to you by The Future of Insurance book series (future-of-insurance.com) from Bryan Falchuk. Follow the podcast at future-of-insurance.com/podcast for more details and other episodes. Music courtesy of Hyperbeat Music, available to stream or download on Spotify, Apple Music, and Amazon Music and more.

Dom talks with independent economist Cameron Bagrie about whether New Zealand has become economically risk averse, the rise of political division and his major takeaways from Fieldays. Tune in daily for the latest and greatest REX rural content on your favourite streaming platform, visit rexonline.co.nz and follow us on Instagram, Facebook and LinkedIn for more.

Valenti and Rico continue their Yzerman/Red Wings talk, wondering why Yzerman is as cautious as he's been.

What happens when a team of legal veterans decides to rebuild the dispute resolution process from the ground up?  To find out, I interviewed Rich Lee, co-founder and CEO of New Era ADR, a platform designed to resolve legal disputes faster, at lower cost, and with less friction for both companies and individuals.  We talked about building a team that had enough credibility to sell into one of the most risk-averse industries, how they approached trust-building with both customers and investors, and how they're scaling a capital-efficient business in a category that's been largely unchanged for decades. Thanks for listening! – Walter. RUNTIME 39:46 EPISODE BREAKDOWN (2:59) “ I'm an early adopter of, you know, anything.” (10:03) “ The core problem: why does it cost so damn much to resolve a legal dispute in this country?” (13:05) How Rich and his co-founders divided roles and responsibilities (17:15) Hurdle #1: “ Challenging the underlying assumption that litigation and a legal dispute doesn't have to be two-plus years.” (22:32) In the early days, New Era ADR developed multiple personas to overcome customer objections (25:50) “ Fortunately, we didn't have to do a lot of POCs.” (29:40) “ Our market's comically big.” (30:03) Finding your SAM and SOM when the TAM is $350 billion (32:22) Which came first: the pitch deck, or the revenue model? (35:50)  One question Rich would have to ask the CEO if he were interviewing for a role with an early-stage startup. LINKS Rich Lee New Era ADR The Future of ADR? New Era Bags $6.3m While Still at Seed Stage, Artificial Lawyer, 3/16/2022 SUBSCRIBE

Thank you so much for listening to the Bob Harden Show, celebrating nearly 14 years broadcasting on the internet. On Friday's show, we visit with Senior Legal Fellow with Pacific Legal Foundation William Yeatman about anticipated revisions of the “Big, Beautiful Bill,” Supreme Court decisions, and we discuss the rift between Trump and Musk. We visit with the Producer of “Undoctrination” for FEE.org Maggie Anders about a risk-averse generation characterized by increased anxiety and loneliness. We visit with the Senior Economist for the Competitive Enterprise Institute Ryan Young about the economy, interest rates, and tariffs. We also visit with Professor Larry Bell about the risks, rewards, and perils anticipated in the “AI” revolution. We have terrific guests on Monday's show including historian Marc Schulman, Senior Editor for AIER.org Jon Miltimore, and author Jim McTague. Access this or past shows at your convenience on my web site, social media platforms or podcast platforms.

Thank you so much for listening to the Bob Harden Show, celebrating nearly 14 years broadcasting on the internet. On Friday's show, we visit with Senior Legal Fellow with Pacific Legal Foundation William Yeatman about anticipated revisions of the “Big, Beautiful Bill,” Supreme Court decisions, and we discuss the rift between Trump and Musk. We … The post A Risk Averse Generation appeared first on Bob Harden Show.

Flooding is becoming an increasingly obvious mega issue in the world today. It costs anywhere between $200 billion and $500 billion in the US alone each year. They're 31% of natural catastrophes and 1.8 billion people, about a quarter of the planet, live under flood risk. This is a nightmare for insurers who are raising their premiums in response, 17% last year in the US alone. But what if you could change the cost structure of this issue - where possible, allow homes and businesses enough lead time to take high value items out of harm's way, take the cars off the parking lot of the dealership and the goods off the warehouse floor? This can transform the insurance economics around flooding and is exactly what Previsico is doing.  Jonathan Jackson is an exceptional entrepreneur now on his fourth company, and it was a pleasure to have him on The Fundamental Molecule to hear what he's building at Previsico and how he's building it. Please enjoy my conversation with Jonathan Jackson. Subscribe to The Fundamental Molecule here: https://www.burntislandventures.com/the-fundamental-molecule For the full show notes, transcript, and links to mentioned content, check out the episode page here: https://podcasts.apple.com/us/podcast/the-fundamental-molecule/id1714287205 ----------- Jonathan Jackson describes the growing challenges for insurers due to unpredictable floods, and how his company, Previsico, addresses this with precise, actionable flood warnings that utilize advanced forecasts and ground sensors. This enables businesses to mitigate up to 70% of flood damage and transform the economics of insurance. He discusses Previsico's origins as a UK university spin-out, its customer-driven US market entry, the significance of a clear ROI, and core company values such as fairness and purpose. Jonathan finishes by advising entrepreneurs to focus on their specific area of expertise. 00:00 - Why Flooding Is a Massive Insurance Crisis 01:59 - How Insurers Struggle to Price Flood Risk 07:04 - Key Differences in UK vs US Flood Insurance 08:47 - Why Businesses Are Forced to Self-Insure Flood Loss 09:58 - Provisico's Approach to Preventing 70% of Flood Damage 11:14 - How Forecasts and Sensors Enable Real-Time Response 14:52 - The ROI of Ground-Truthing Flood Data 16:24 - How a Government Grant Sparked Provisico's Founding 21:10 - Breaking Into Insurance Through Public-Private Partnerships 24:18 - Cracking the Insurance Market with Lloyd's Lab and Zurich 25:40 - How to Sell to Risk-Averse, Slow-Moving Enterprises 29:12 - Expanding to the U.S. Through Customer Pull, Not Push 31:11 - Building Culture Around Fairness, Purpose, and Creativity 37:18 - Why Water Entrepreneurs Must Stay Laser-Focused Links: Burnt Island Ventures: https://www.burntislandventures.com/ https://previsico.com/ https://www.linkedin.com/in/jonathan-jackson-a393102/ SM Material Key Takeaways: "Flood risk maps estimate property location risk. Insurers use them to determine underwriting." "A 1% flood risk every year means you could be flooded year after year. It's about communication." "Provisico's service, with a good flood plan, can achieve 70% commercial loss prevention." "We enable insurers to mitigate losses, improving their profitability through accurate flood warnings." "Our flood forecast prepares organizations for flood, while sensors provide high-confidence alerts." "Our vision is global. We aim to reduce flood loss by 50% or more, helping people worldwide."

In this special episode of The Corporate Counsel Show, recorded at the 2025 Corporate Counsel Summit, SBS senior legal counsel Nicole Choolun reflects on why it is so important for the law department to showcase its risk appetite. Host Jerome Doraisamy speaks with Choolun about the importance of being seen as less risk-averse, legal's perceptions from other business functions, and balancing one's risk-averse training against having a greater risk appetite. Choolun also delves into the questions that legal should ask of itself to have a greater risk appetite, the flow-on benefits that come from not being as risk-averse, what she has learnt from times when she and her team have been less risk-averse, and how best other in-house can take steps to be better seen as trusted business advisers. If you like this episode, show your support by  rating us or leaving a review on Apple Podcasts (The Lawyers Weekly Show) and by following Lawyers Weekly on social media: Facebook, Twitter and LinkedIn. If you have any questions about what you heard today, any topics of interest you have in mind, or if you'd like to lend your voice to the show, email editor@lawyersweekly.com.au for more insights!

With Brian Roche, James Meager and Tanya Unkovich

Welcome to Nyasha's Notebook! Max Verstappen wins the Japanese GP in a snoozefest to end all snoozefest but could McLaren have done more to trouble him up front with Oscar Piastri and Lando Norris? Hate ads? Join our Patreon for ad free streaming of both video and audio - www.patreon.com/QuickStopF1 We are a small independent podcast and we really rely on every review on Apple podcasts and share, so please share us as far and wide as you can and remember to leave a review! You can also review on Spotify too, so make sure to drop us a five-star review. Make sure to follow us on social media: Twitter - https://twitter.com/QuickStopF1 Instagram - https://instagram.com/QuickStopF1 TikTok - tiktok.com/@quickstopf1 Thandie TikTok - tiktok.com/@thandiesibanda Learn more about your ad choices. Visit podcastchoices.com/adchoices

Credit unions have long been risk-averse by design, but today's environment is pushing the industry to think less about what's safe and more about what's best for the member. That shift, from compliance-first to consumer-centric, is reshaping everything from governance to payments to technology strategy.In this episode of Grow Your Credit Union, host Joshua Barclay is joined by guest co-host Stacy Armijo, Chief Experience Officer at Amplify Credit Union, and returning guest James McBride, CEO of Connects Federal Credit Union, as they talk about:Board engagement and what strong governance really looks likeReal-time payments and the risk of falling behindOpen banking as a competitive mandate, not just a regulatory issueListen now and stay ahead of what's shaping the movement.A huge thanks to our sponsor for this episode, InvestiFiInvestiFi delivers an integrated digital investing solution built to enable investing directly from checking accounts, helping Credit Unions to retain more deposits and attract new members. Give your members a new tool to navigate the complexities of financial markets with ease from within their current online banking experience through InvestiFi. 

Selling your home and buying another simultaneously ranks among life's most stressful transitions. This emotional tightrope has most property owners asking the same question: "Do I sell first or buy first?" Drawing from decades of real estate experience and personal moving journeys, we unpack this common dilemma with practical, actionable advice.The secret isn't in choosing one path over another, but in what we call the "two horses nose-to-nose" approach. Rather than viewing buying and selling as separate mountains to climb, successful movers make incremental progress on both fronts simultaneously. We break down how to time these transactions so they ultimately meet in perfect synchronicity, allowing you to exchange contracts on both properties on the same day.With 8% of Australians planning a move this year (up from just 3% last year), this conversation couldn't be more relevant. We explore the psychology of getting into "sell mode" early, the practical steps for preparing your home months before listing, and why making genuine offers on potential purchases starts bringing both transactions together naturally. Did you know one in four property purchases last year were cash buys? For the rest of us requiring financing, we share tips on engaging brokers early and understanding your true financial position.Whether you're upsizing, downsizing, or simply changing locations, our stepping-stone approach removes the paralysis that keeps many homeowners stuck. The most important takeaway? Small steps in the right direction beat perfect planning every time. Start your property journey with confidence by implementing these proven strategies from those who've successfully navigated this dance countless times.

These ETFs provide exposure to Bitcoin's gains with downside protection. (1:00) - Innovator ETFs Trust: Uncapped Bitcoin 20 Floor ETF: QBF (10:30) - How Did Option Contracts Impact Spot Bitcoin ETFs? (16:15) - Should You Own Bitcoin In Your Portfolio? (26:20) - Episode Roundup: QBF, CBOJ, CBXJ, CBTJ Podcast@Zacks.com

PART TWO: Anthony and Sam share their frustrations with how risk-averse everyone has become in the NBA. They wrap up the show with some questions from the live audience and Sam's question for Anthony and Anthony Davis wanting to play less center. To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

What happens when a legal expert in international taxation pivots to tackle the complexities of freelance workforce management? Join us as we explore Pavel Shynkarenko's remarkable journey from law offices in Ukraine to the bustling entrepreneurial scene in Moscow. Pavel, the CEO and founder of Mellow, shares how his experience with clients facing challenges in freelance contract management inspired the creation of a cutting-edge platform, Mellow. This episode is not just about business innovation; it's about recognizing opportunity in recurring problems and turning them into groundbreaking solutions that are reshaping the way companies handle their freelance teams across the globe. Legacy isn't just about what you leave behind in business—it's about the values and cultural identity you pass on to future generations. We discuss the powerful influence of parental behavior on children and why modeling positive decision-making and work-life balance is crucial. Our conversation travels through diverse cultural landscapes, from the Netherlands to Thailand, offering insights into how living in different countries can enrich personal growth and understanding. Alongside these reflections, we share practical advice from studies on modern migration and cultural adaptation, highlighting how to preserve cultural identity while thriving in new societies. Whether you're an entrepreneur, a parent, or a cultural enthusiast, this episode offers valuable perspectives on building a lasting legacy.   Timestamps 00:00:00 - Introduction and Welcome to Business Legacy Podcast 00:00:30 - Meet Pavel Shynkarenko, CEO and Founder of Mellow 00:01:15 - Transition from Legal Practice to Entrepreneurship 00:02:40 - Identifying the Need in Freelance Management 00:04:00 - Creation of Mellow: A Contractor of Records Platform 00:05:30 - Challenges of International Freelance Management 00:07:00 - Early Career and Legal Practice in Ukraine 00:08:20 - Move to Moscow and Encountering Real Competition 00:09:45 - Shifting Mindset from Lawyer to Entrepreneur 00:11:00 - Balancing Work and Family Life 00:12:26 - Exploring Cultural Legacy and Life Balance 00:13:00 - Influence of Parental Behavior on Children 00:14:30 - Integrating into New Societies While Preserving Cultural Identity 00:15:50 - Insights from Living in Multiple Countries 00:17:10 - Building a Legacy through Business and Cultural Contributions 00:18:30 - Future Plans: Studying Modern Migration and Cultural Adaptation 00:19:45 - Reflections on the Impact of Diverse Cultures 00:21:00 - Conclusion and Reflections on Legacy Building 00:22:30 - Closing Remarks   Episode Resources: Find More About Mellow here: https://www.mellow.io/ Legacy Podcast: For more information about the Legacy Podcast and its co-hosts, visit businesslegacypodcast.com. Leave a Review: If you enjoyed the episode, leave a review and rating on your preferred podcast platform. For more information: Visit businesslegacypodcast.com to access the shownotes and additional resources on the episode.  

Matt Eberflus' choice to be risk-averse sends a message of distrust to Bears full 628 Tue, 19 Nov 2024 17:29:01 +0000 YhxQYE7CAcvGbfFQXqvjiWE6VpKlHbTE nfl,chicago bears,sports Bernstein & Harris Show nfl,chicago bears,sports Matt Eberflus' choice to be risk-averse sends a message of distrust to Bears Dan Bernstein and Marshall Harris bring you fun, smart and compelling Chicago sports talk with great listener interaction. The show features discussion of the Bears, Blackhawks, Bulls, Cubs and White Sox as well as the biggest sports headlines beyond Chicago. Leila Rahimi joins the show as a co-host on Wednesdays. Recurring guests include Bears linebacker T.J. Edwards, Pro Football Talk founder Mike Florio, Cubs outfielder Ian Happ and Cubs president of baseball operations Jed Hoyer. Catch the show live Monday through Friday (10 a.m.- 2 p.m. CT) on 670 The Score, the exclusive audio home of the Cubs and the Bulls, or on the Audacy app. © 2024 Audacy, Inc. Sports False https://player.amperwavepodcasting.com?feed-link=https%3A%2F%2Frss.amperwave.net%2

In this episode of Your Retirement Planning Simplified, Joe and Lindsay examine the Income Protection Quadrant of the RISA framework, focusing on strategies to secure guaranteed income in retirement.   They discuss the benefits of annuities, defined benefit pensions, Canada Pension Plan (CPP), and Old Age Security (OAS) to create an income floor that covers essential expenses. For retirees who prioritize safety over growth, this approach minimizes uncertainty, making it ideal for those seeking financial security in volatile markets. Learn how to implement this strategy and optimize your retirement income plan for peace of mind.  Read the full show notes and find more information here: Ep 112 Show Notes

Joe Concha, Fox News Contributor and author of Progressively Worse: Why Today's Democrats Ain't Your Daddy's Donkeys, joined the Guy Benson Show today to preview the upcoming vice presidential debate between Minnesota Governor Tim Walz and OH Senator JD Vance. Concha explained why he believes Vance could win the night, citing his strong debate presence and intellect. Concha also discussed the risk-averse nature of the Harris campaign, pointing out how they rarely share detailed policy positions. Finally, Concha explored why the media fails to challenge the Harris campaign on its lack of substance, and you can listen to the full interview below! Learn more about your ad choices. Visit megaphone.fm/adchoices

  Interior Designer's Business Blueprint   In today's episode, I catch up with Rasheeda Gray, founder of Gray Space Interiors to discuss her transition from a corporate marketing career to interior design. She emphasizes the importance of mentorship and the value of insider tours at High Point Market. Rasheeda and I discussed her journey, including her gaining her first client in 2016 and making the decision to go full-time in 2018. Rasheeda shares her approach to balancing work with her husband's general contracting business and hiring a business coach. Rasheeda and I also discuss the progress in elevating black designers in the industry and her hope for continued growth and representation.   Here's a glance at this episode… Rasheeda shares how she started her early career in corporate marketing and describes her transition to interior design. Rasheeda and I discuss how to make an interior design business work while still working in a full-time job and building our design business on the side. Rasheeda discusses the need to hire for the first time in 2018 and how to reinvest in your business. We share what it means to get super clear on your priorities to help you decide when to say yes and when to say no to opportunities. We wrap up by discussing diversity in the interior design industry and how to elevate black designers. Mentioned in this episode: JOIN: Interior Designer's Business Blueprint FREE DOWNLOAD: 7 Habits of Highly Profitable Interior Designers FREE Masterclass: 6 Park Framework for A Thriving Interior Design Business Dear Kate: Submit your questions for the show! Clockwork: Design Your Business to Run Itself  The E-Myth Revisited: Why Most Small Businesses Don't Work and What to Do About It Kate's Book Recommendations Black Interior Designer's Network

Corey Fernandez talks about the latest in our What Great Teams Do Great issues series - What happens when your team is risk averse.

Stan Kroenke, owner of the Denver Nuggets, is a super successful owner of the Denver Nuggets is highly averse to taking risk. On the latest Mortcast Jeff talks about Kroenke's history of owning the Nuggets and explains why the Nuggets are the way they are. Because of Stan. Enjoy the show!

Kate Kompelien, founder of The Insight, shares her journey as a customer experience consultant and qualitative researcher. She helps companies understand key moments that matter to their customers and identifies pain points that hinder a better customer experience. Kate started her own business after realizing she wanted to focus on smaller projects and provide a more personalized experience for her clients. She emphasizes the importance of networking and building relationships, both with people she knows and with new connections. Kate also highlights the value of face-to-face meetings and taking a genuine interest in others' businesses and lives. Kate Kompelien shares her journey of starting her own customer experience consulting business. She discusses her core offerings, the industries she works with, and the size of companies she targets. Kate also talks about her three-pronged approach to acquiring clients: direct, subcontracting, and referrals. She emphasizes the importance of diversifying revenue streams and being open to different opportunities. Kate encourages listeners to believe in themselves, take risks, and have fun in their entrepreneurial journey.Kate's LinksLinkedIn: https://www.linkedin.com/in/katekompelien/Website: https://www.theinsightshopllc.com/TakeawaysFocus on your sweet spots and provide a personalized experience for your clients.Networking and building relationships are crucial for finding new opportunities.Take a genuine interest in others' businesses and lives during networking meetings.Face-to-face meetings can be valuable for establishing connections and building trust. Identify your core offerings and consider peripheral offerings to round out your total offering.Industry is less important in customer experience and qualitative research work.Target companies with a billion dollars or less in revenue, as they often lack a full customer experience team.Diversify your revenue streams by working directly with clients, subcontracting, and forming referral partnerships.Believe in yourself, take risks, and have fun in your entrepreneurial journey.TitlesFinding Success as a Customer Experience ConsultantThe Importance of Face-to-Face Meetings in Networking Believing in Yourself and Taking RisksDiversifying Revenue Streams in ConsultingSound Bites"I'm really trying to help companies understand those key moments that matter to their customers and what are those pain points that are getting in the way that they need to solve to provide a better experience, higher customer retention.""It's been a combination of getting customers on my own, working with some research companies for fill-in work, and then having some partners where I can be their customer experience resource on projects.""Most people are happy to have conversations and hear what you're up to. And I love to hear what other people are doing because you kind of shared some space. Maybe they're doing something you can help with.""I really wanted to focus in on those two spaces as my core and looking for work around the core.""I'm working in very different industries. I like to call them the manly industries of the trades.""My focus is a billion dollars or less, because generally those industries and those companies don't have a full customer experience team."Chapters00:00 Introduction and Overview of Kate's Work06:27 Building Relationships and Networking10:24 The Importance of Following Up12:52 Sales and Running Your Own Business14:47 Finding Opportunities in a Competitive Market17:48 Focusing on Your Sweet...

Chris Hudspeth, Part 2!  He's a Financial Planner for the Risk Averse. He's the founder of Retriever Financial and helps divorced women protect and grow their money. Chris's story is so great, and his advice is so helpful, we're doing part 2! He was raised by a single mother who didn't have the luxury of thinking about retirement, and he saw how she struggled financially at the end of her life. That's what inspired him to become a financial planner who specializes in retirement planning for single mothers. By helping single mothers plan for a safe, dependable retirement, he honors his mom. Connect with Chris if you're a woman with questions about money and saving for retirement:LI: Chris Hudspeth 

Chris Hudspeth is a Financial Planner for the Risk Averse. He's the founder of Retriever Financial and helps divorced women protect and grow their money. Chris's story is so great, and his advice is so helpful, we're doing part 2! He was raised by a single mother who didn't have the luxury of thinking about retirement, and he saw how she struggled financially at the end of her life. That's what inspired him to become a financial planner who specializes in retirement planning for single mothers. By helping single mothers plan for a safe, dependable retirement, he honors his mom. Connect with Chris if you're a woman with questions about money and saving for retirement:LI: Chris Hudspeth 

Are you finding biz dev harder in 2024 than you expected? In this episode, Chip and Gini discuss the increased risk aversion and prolonged decision-making processes among clients and prospects in the agency industry, especially in light of economic uncertainties and the 2024 U.S. election. They emphasize the importance of agencies adapting by providing project-based work and suggest looking into using AI for optimizing tasks and offering new services. The conversation also explores the benefits of flexible, short-term engagements and the potential pitfalls of long-term contracts. Key takeaways Chip Griffin: “Something that agencies frankly should always be thinking about, but particularly in times like this is how do you offer less risky solutions, or at least things that appear less risky to the prospect if you want to close business in the near term. And, a lot of agencies don’t want to hear this, but that means doing more project work.” Gini Dietrich: “The flip side of a short-term engagement is it gives you the opportunity to know if they’re the right client for you because you’re not married to them for the next year.” Chip Griffin: “I think that agencies by and large today would say that they are more fearful of AI than hopeful for it. I think that is a giant mistake.” Gini Dietrich: “I don’t think the industry is quite here yet, but I think Artificial Intelligence is going to offer agencies a really big opportunity in the next couple of years.” Related Is business slowing down for agencies in 2023? How to build accurate PR agency project budgets The challenges of project-focused agencies View Transcript The following is a computer-generated transcript. Please listen to the audio to confirm accuracy. Chip Griffin: Hello and welcome to another episode of the Agency Leadership Podcast. I’m Chip Griffin. Gini Dietrich: And I’m Gini Dietrich. Chip Griffin: And Gini, I really don’t have an opening today, so I guess… Gini Dietrich: I was waiting patiently. Chip Griffin: Yeah, I, I just, I, I couldn’t come up with something on the fly today. I don’t know whether my brain’s not working or what, but we’ll just, we’ll just have to dive right into the topic without that witty opening that I always have. Gini Dietrich: Witty is in quotes. Chip Griffin: Wow. Wow. Already taking shots at me in less than 30 seconds. Gini Dietrich: You’re welcome. Chip Griffin: Well, thank you. Thank you. I appreciate it. Probably well deserved today since, you know, I couldn’t even come up with my bad opening. So what we are going to talk about though, is whether our, our clients out there in agency land are taking longer to make decisions and, and more risk averse when it comes to spending their organization’s money and what that means for agencies. Here in, in mid 2024. Gini Dietrich: Yeah. I mean, we talked earlier this year about how crappy 2023 was generally overall for agencies, and 2024 hasn’t gotten much better. I keep saying to clients both on the agency side and coaching clients that part of that’s because it’s an election year, and as we all know it’s not exactly calm and sane and rainbows and unicorns out there so that’s that’s partly why because And we see this during every presidential election year where our clients tend to go, let’s see what, let’s wait and see what happens with this election. But I think this year in particular and four years ago as well, you know, we, we were, we’re facing some unprecedented times that make everybody just go, okay, let’s just keep things status quo for now. And then we’ll start to loosen our belts a little bit. So I don’t anticipate it getting any better for the rest of this year, but I do anticipate hopefully in January that things start to lighten up a little bit. Chip Griffin: Yeah. I mean, I think we have, you know, right now we’ve got the coalescing of a number of factors that cause people to be in the business world, more risk averse, right? We’ve got economic indicators that continue to be mixed. Some you look at and you’re like, wow, things are going great. Some you look at and you’re like, this still doesn’t feel quite right to me. And then you, you mix in with that, the politics, the geopolitical situation globally, and you start to say, you know, there, there are a lot of things here that will cause many organizations to sit there and say, well, you know, I don’t want to make long term commitments. I don’t want to make big financial commitments. I need to have flexibility. And frankly, a lot of agencies are making those decisions themselves. So it’s hard to be critical of our clients when they do the same thing that we’re doing. Right. And we’re all thinking the same way. So, it, it is something that is, is challenging to navigate. And I’ve had conversations with a number of coaching clients over the past few months about, you know, what do we do about this? And how do we, how do we turn things around? I know that, that many are really struggling because clients have cut back and the pipeline hasn’t necessarily dried up, but the amount of time it takes to close business is really elongating. And so it is a challenging place to be. As you know, we’ve been there before, four years, four years ago, you know, I’m not sure that’s the most apt because, you know, we had COVID four years ago, too. Fair. That’s also fair. That was dramatically different. Gini Dietrich: It was. Chip Griffin: Certainly there have been any number of instances. over the past 20 years that I’ve seen where, you know, businesses have been in a similar situation and that has put agencies in a similar situation. So it is far from unprecedented. Gini Dietrich: And I think right now we have something else that we, that we haven’t seen in recent years, which is in, because inflation is so high and all of the stuff that goes around that consumers in general are cutting back. And there’s, I was just reading last week about this big trend of. I can’t remember. There’s a, there’s a trendy name for it, but essentially that people are saying, okay, well, I’m not going to spend any, it’s, I think it’s like the no buy pledge or something, I’m not going to spend any money on things that I don’t need this year. And so there’s a trend toward renting your clothes, which I do. There’s a trend toward buying sustainable products that last longer. There’s like even things like sustainable what this helps for both the earth and your pocketbook, but buying sustainable, bags and paper towels that you’re not just throwing into the landfill and they cost less in the long run. So this whole idea that because things cost so much more money, and inflation is high and all these other things that go into it. Everybody’s doing it. So you have this trickle down effect where it’s affecting everyone. And I haven’t seen that piece of it, the consumer piece of it in several years, probably since the Great Recession, where it has affected sort of everyone going into it. Chip Griffin: Can we, we rewind on what you said there, because I’ve learned something new. You rent your clothes. First of all, I didn’t know you did that. Cause I didn’t know it was even a possibility to do something like that. Gini Dietrich: Yeah. You rent clothes. Chip Griffin: I mean, I don’t rent clothes. I mean, I, I know this will shock. I buy $12 specials from Amazon. Gini Dietrich: Right, right, right. There’s no, there actually, there’s not a service for men yet. We were just, cause we were just researching it, but like there are lots and lots of services for women where depending on what, which package you buy, you can have, you know, once a week you get new clothes, twice a month, whatever, once a month, whatever it is, but you go in and you choose what you want and they, they dry clean it and send it to you and then you wear it as many times as you want and you send it back. It’s great. You don’t even have to do laundry. It’s fantastic. And so you always have new clothes. And you’re, you’re, you know, you can cycle through trends and seasons and all that kind of stuff without having to buy new and it costs significantly less than if you were to go out and buy new clothes. Chip Griffin: That is very interesting. I, you know, I love when I learn new things. This is obviously not directly related to agencies, but, but nevertheless, listeners may enjoy. Learning about this. Gini Dietrich: Yeah. Yeah. Yeah. But like the, there’s that whole trend of like, you know, helping the earth and sustainability and all that as well as saving money because things are so tight. Chip Griffin: Right. And ultimately it’s also the same thing that a lot of agency prospects are thinking, which is de risking, right? Because you’re not buying an expensive piece of clothing that, you know, you’re going to have to hold onto, even though maybe you won’t like it after you, you know, wear it once or twice, you know, it’s not comfortable, it doesn’t look good, whatever, right. But because it’s rented you’re lowering the risk. And I, and I do think that this is something that agencies frankly should always be thinking about, but particularly in times like this is how do you offer less risky solutions, or at least things that appear less risky to the prospect if you want to close business in the near term. And, and unfortunately a lot of agencies don’t want to hear this, but a lot of that means doing more project work. And I, I really, for the life of me, do not understand why agency owners tend to be so resistant to projects. Because I think that it’s healthy to have retainer business, but I think it’s healthy to have a mix as well. And we’ve talked about this before. I think it gives you kind of the best of both worlds. And by, you know, a time like this is the best time to embrace project work because it’s the kind of thing that clients are more likely to pay for now. So if you want to close a deal and you want to close it faster, you need to find a way to offer projects that provide value to the client, but are also profitable for you. And I think that’s why there tends to be resistance on projects because they don’t get priced correctly. So they’re not turning a profit on them because they say, well, we’ll just do this project and it will lead to X, Y, or Z retainer down the road. Forget about that. Make the project profitable itself. If you’re going to offer them. Gini Dietrich: Yeah. And I think to your point, because we, we tend to think, Oh, well, we’ll start this and I’ll get our foot in the door and it’ll lead to longer term projects or a retainer down the road. Because we tend to think that way we don’t go, okay, we’re going to treat this as a project with a beginning and an end and a profitable outcome for us. Right. And here’s the tangible. We tend to say, okay, well, we’ll do this for three months. Like we normally would. We’ll do media relations or crisis or whatever it happens to be for 90 days. And then it’ll lead to longer. And what you have to do instead is say, okay, we’re going to actually create for lack of a term, a product or a package that they buy. And one of the very best pieces of advice I got when I started speaking, internationally, to audiences is, a guy who was a strong vistage speaker said to me, Hey, listen, if you’re going to be speaking to vistage groups, which is a group of CEOs that you get into a room for three hours, it’s great. It’s a captive audience. It’s your target audience. if you’re going to be doing that, you can’t say, well, our minimums are 10, 000 a month and you, you sign an annual retainer and you get this, this, and this, he’s like this, that won’t work for this audience. But what does work is you say to them, we can do a strategic planning session and you, the outcome of that will be this, this, and this, and it costs X. Or we can do a social media audit or we can do a content audit or, and the result of that is X and it costs this. So when you, he said, when you package it up like that, it’s a lot easier for them. A to buy on the spot and B to take that baby step in. So I give you that same kind of kind of advice because A, it works and B, it gives you the opportunity to say, if we’re going to do this, it’s going to take us six weeks. It’s going to, your outcome is going to be an audit that tells you what’s missing, what, what you have, what you can repurpose and what you, you need to include. And of course, hire us to do all that work and it costs X, right? So it has a beginning, a middle and an end. It’s a very succinct package that’s easy for clients to buy. And then there is the next step is either they do it internally. Or they hire you to do it themselves or to do it for them. And most of the time they’re going to hire you to do it for them. Chip Griffin: Yeah. And I mean, what I would encourage you to do is, is think about the first 30, 60, 90 days that you are working with a new client. Most agencies I know have a similar formula that they use when they onboard a new client. Yep. So if you can figure out what it is that you do in those first couple of months, and you can you know, put it in a package where you can clearly communicate what it is. And it’s probably a mix of strategy and putting together some key message points, maybe a little bit of training, you know, but just try to think about what those first couple of months are and present it in a way that it is a short term engagement to jumpstart their communications activities or whatever it is. I mean, whatever your first few months look like package it up and sell that. And if you do that in a way that it’s profitable for you, You’ve done a good job of being able to show the prospect what you can do. You’ve kept the budget down. You’ve kept the timeline down so that they’re not saying, Oh my God, I’m committed to this for the next 12 months. And it’s a lot of money, but yet you’ve whet their appetite. And, and frankly, if they’re not interested after that, that’s probably a sign. If they’re not interested in doing the basic, you know, foundational work, that’s a red flag too. Right. So, I mean, cause that’s the pushback I often get was, well, no, we don’t, you know, they don’t want to pay for that. Well, first of all, sprinkling enough deliverables that you give to them beyond the strategy so that they feel like we’re getting more than quote unquote, just strategy. But if they’re totally disinterested in strategy, you probably don’t want to work with them anyway. It’s probably not, not a good fit for most PR and marketing agencies. If someone just wants you to jump in and start spewing out press releases or blog posts or social media or that kind of thing. You need to figure out why you’re doing it and how to do it effectively. Gini Dietrich: And I would say on the flip side of that is it gives you the opportunity to know if they’re the right client for you because you’re not married to them for the next year as you try to stumble through and figure it out. Maybe they’re terrible. Maybe they’re like, they’re going to get 60 days in and start bullying you. Like, this is a great opportunity for you as well to go, yeah, these are great clients for us. This, this client sucks and I can’t wait until the 60 days are up. Right. So it’s a great opportunity for you to test them out too. Chip Griffin: Well, and I think, I think too many agencies don’t think about those things. Right. Because when, when we think about, well, we’re locking the client into a contract, that’s what we want to do. Remember you’re locking yourself into that contract too. And honestly, you’re more locking yourself into it than you are locking the client because clients will break contracts without a second thought in the world. Right. I don’t know many agencies who are either inclined to do the same or probably could withstand that because most of the clients that we work with are bigger than we are. And so if we try to say, no, we’re out, we’re going to get a lot more pushback and have to deal with a lot more problems because they’ve got a legal team or executives or other people that can just make our lives difficult. Gini Dietrich: Absolutely. Chip Griffin: We think about it in terms of locking in the client, but we’re really locking in ourselves. And it’s why I prefer to have some sort of a paid discovery approach. Like what we’re talking about here. It’s why I, I personally prefer 30 day outs on my contracts. I don’t want to lock myself in any more than I want to lock them in. And particularly early on in the relationship, you don’t know how they’re going to turn out. You don’t know if you priced it correctly. You don’t know if they’re going to be abusive to work for. If you have these projects, it allows you to have that means of figuring out do I want to work for them? If I do want to work for them, do I need to charge them the PITA tax that I always talk about? Right. And those are all helpful things to you. So this is, this is why fundamentally, I think, agencies need to get over their fear of projects because I think it is a great way to get started. And frankly, it’s not a bad way to work with clients, even on an ongoing basis, as long as you’re, as long as you’re scoping them and pricing them properly and profitably, you’ll be fine. Gini Dietrich: Yeah. And I know we’ve talked about this before, but the way that we work is kind of like that. I mean, clients do sign a contract and it does have a termination clause and blah, blah, blah, blah. And it renews every year if there’s no, like all of that. Right. But the way that we work from a statement of work perspective is quarterly. And we say, okay, in this quarter, these are the goals. This is what we’re trying to achieve. This is what the, what the outcome is. And at the end of every quarter, We have a meeting with the executive team and we go through everything and we say, you know, like we just had the, had one at the end of quarter. One with a client and we said, you know, you wanted to focus on email marketing to generate leads and it didn’t work. Like, yeah, you got a couple of 40, 000 clients, but it, what, like the, what, what we were expecting to have happen and what you wanted to have happen didn’t work. What we, what does work is this, this, this, and this, as we’ve proven in the past. So we’d like to transition back to that and do that. Start implementing that stuff again. And so we were able to do that in quarter two, just to get them back to the level that we were at before. If we were locked into a full year of this is what we’re going to do every month, we wouldn’t be able to have that. And it also allows us to say, okay, if you want to try email marketing, we can do that, but it’s going to cost X more. Now that we’re transitioning back, we can take that budget and either move it around into more things, or you can take the budget back. So you have the ongoing budget conversation too, so that you’re never over servicing. Ever. Chip Griffin: And you’re also making sure you’re devoting your resources to the right stuff. So you’re actually being effective. Because I think that’s, it’s one of the reasons why agencies tend to lose some of their long term clients, because you’ve just been operating on autopilot. And if you start doing something, you keep doing something because you don’t want to rock the boat. You don’t want to upset the apple cart. You don’t want to cause the client to talk about things where they might want to change their approach or their budget or whatever. No, you want them to do that. You want to invite those conversations because you’re better off making adjustments, even if it may mean less dollars in your pocket in the short term, because often it may mean more dollars if you’re able to figure out how to do it effectively and what new things to offer them and shed that, that dead weight that you’re bringing along, because you started at six months or six years ago and you just keep on keeping on. Gini Dietrich: Yeah, I think there’s one other thing that we can think about and we’re, I don’t think the industry is quite here yet, but I’m going to put this in your brain to start mulling over and think about. Artificial intelligence, I think is going to offer agencies a really big opportunity in the next couple of years. I’m actually working on some content for Spin Sucks on this right now. So it’s not fully baked, but there is an opportunity for us to use the existing AI to create things that will make our clients more effective. And I think there’s an opportunity for us to create AI that uses our process or our framework or the way that we do things in a really effective way that we could sell the clients. So now we have retainers, we have project fees and we have a membership subscription model with the AI that says, okay, if you’re going to, like right now, I know that many agencies in the PR industry will go into their media monitoring and they’ll do a sentiment analysis and they’ll look at key messaging and they’ll look at share voice and they’ll do that. And a lot of that’s manual, but if you could create AI, use existing AI to help you do that work and do it without a human being, that you could just provide to a client ongoing for a subscription. There’s an opportunity there as well. Like I said, I don’t think that generally the industry is there yet, but I think it’s something for you to keep in the back of your mind and think about, okay, as we’re using AI and as we’re onboarding new clients, and as we’re going through client work. What are some of the things that we can optimize and automate and then sell that to clients as an add on subscription while we’re over here doing the more strategic human necessary work? Chip Griffin: I think that’s a great point. And I think there are so many opportunities with AI even today, but they will only grow. Yeah. Over time. And I think it will substantially transform a lot of industries, but certainly the agency world, certainly the, the world of media monitoring and analysis that I was part of and have been a part of decades. And I, and I know that there’s a lot of research and work going into this, from a lot of people. I think that agencies by and large today would say that they are more fearful of AI than hopeful for it. Gini Dietrich: Don’t be fearful. Chip Griffin: I think that is a giant mistake. We’ve talked about AI before, but it’s probably worth revisiting on an episode here in the not too distant future because it does continue to evolve. And I think that you need to evolve with it. And, and the most important thing whether you’re, you know, just concerned about generating business today or how you use AI in the future is to think about it in terms of what are the results that clients are looking for, right? And I think too often agencies think in terms of actual outputs and they and they’re thinking about I’m producing press releases, blog posts, social media updates, whatever. That’s not why you’re being hired. And so you can’t focus on that with your clients today. And certainly as you think about AI in the future, it’s going to make a lot of those things a lot easier to do. And, and if it’s a lot easier to churn that stuff out, you need to figure out how to do it more intelligently and put the human intelligence to partner with that artificial intelligence. Absolutely. And there’s a huge amount of opportunity there today and in the future, if you’re willing to look for it. Gini Dietrich: Yeah, I don’t think we should be fearful of it at all. I think that it’s, to your point, it’s evolving. I think that it’s going to make us more effective and it’s going to do the stuff that really, truthfully, none of us want to do anyway. Right, right. So let it do it. Chip Griffin: Yeah, absolutely. And, and so today, if you are sitting there and you’re saying, geez, you know, what am I going to do? Because clients are, or prospects are being slow to respond. You know, I’m seeing people want smaller projects, embrace that, but figure out how to embrace it in a way that can be successful for you. Don’t view it as, well, I’m just going to take this as a foot in the door. You need to think of, of as profitabe in itself. Yeah. because that’s how you can make it work for you. That’s how you can close any revenue gaps that you have today, but also position yourself for the future. And, and I think there’s still a lot of opportunity to be had there. Gini Dietrich: Totally agree. 100%. Chip Griffin: So with that, we have the opportunity to bring this episode of the Agency Leadership Podcast to a close. I’m Chip Griffin. Gini Dietrich: I’m Gini Dietrich. Chip Griffin: And it depends.

In this episode, Chip and Gini discuss the increased risk aversion and prolonged decision-making processes among clients and prospects in the agency industry, especially in light of economic uncertainties and the 2024 U.S. election.

Tune in to hear:Why is it that we hate uncertainty even more than bad news?How does our dread of uncertainty impact our decision making process?If a client comes in agitated vs. paralyzed, does the means by which we resolve this uncertainty look different from reaction to reaction or do they share a common solution?Is normalization part of regulating your clients emotionally whether it is deeply hot or deeply passive?What are the 4 most common emotional reactions to uncertainty?How can embracing uncertainty sometimes lead to outperformance and a greater sense of purpose?Why is uncertainty often a prerequisite for growth and learning?LinksOrion Advisor AcademyConnect with UsMeet Dr. Daniel CrosbyCheck Out All of Orion's PodcastsPower Your Growth with OrionCompliance Code: 0682-OAS-3/20/2024

#StateThinking: Putin the risk-taker vs Biden the risk-averse.  @MaryKissel Former Senior Adviser to the Secretary of State. Executive VP Stephens Inc. https://www.telegraph.co.uk/world-news/2024/04/01/watch-massive-fire-engulfs-major-russian-factory/ 1812 Borodino

This week, we're re-upping our episode with writer Cord Jefferson, who just won an Oscar for Best Adapted Screenplay for American Fiction, which he also directed. American Fiction was adapted from the 2001 novel Erasure, by writer Percival Everett. And since Sunday night, the film, and Cord's comments about it, have been provoking a lot of interesting conversation about Black representation in Hollywood and the publishing industry—which also happens to be the subject of the film itself, and which we encourage you to dig into.  Cord, as you may know, is a former journalist and Gawker editor with very strong opinions about the economics of cultural production. Which is why we weren't surprised when he used his acceptance speech to offer a pretty candid take about risk aversion in Hollywood—and the need for executives to take more chances on independent filmmakers. “I understand that this is a risk-averse industry. I get it. But $200 million dollar movies are also a risk,” he said. “Instead of making one $200 million dollar movie, try making twenty $10 million dollar movies, or fifty $4 million dollar movies.”   It wasn't the first time we'd heard Cord talking about this stuff. In fact, this was one of the topics we went long on with him when we had him on the show in 2021 to mark the start of Succession's third season. Cord was a writer for season two, in addition to working on series like The Good Place, Station Eleven, and Watchmen, for which he won an Emmy. What started as a conversation about Succession's Roy family—and Cord's experiences transitioning from a career in media to a career in TV and film—evolved into a deeper meditation on the struggles writers in both fields are facing in a creative economy where culture is evaluated based on numbers, where pre-visibility and remakes trump original ideas, and where what executives believe is “good for business” feels increasingly incompatible with artistic risk-taking.  We recorded this conversation long before last year's Writer's Guild and SAG-AFTRA strikes, not to mention American Fiction itself, but the issues we discuss have become only more relevant with time. You can think of it as an extended riff on the argument he made on national TV this week—and it's also a great look into where Cord comes from, the moral dilemmas that result when we allow algorithms to evaluate art, and perhaps some of the seeds of thoughts that inspired American Fiction. Support our independent journalism by becoming a paid subscriber at theculturejournalist.substack.com. Paid subscribers receive free bonus episodes every month, along with full essays and culture recommendations.You can also follow The Culture Journalist on X and IG. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit theculturejournalist.substack.com/subscribe

Pittsburgh-based investor and house flipper John Walker of Turnkey Investment Properties and his business partner, Jim Auten, usually have around 10 flips on the go at any time. When rates were low, and business was booming, that number doubled. However, high rates and low inventory have seen many of their fellow flippers exit the market.  “It's a case of the last man standing right now,” Walker says. According to recent Bank of America research, it's a scenario played out across the country, with sellers staying put for fear of sacrificing a low mortgage interest rate. About 80% of outstanding U.S. mortgages are at interest rates below 5%. Learn more about your ad choices. Visit megaphone.fm/adchoices

A German delegation traveled to North Korea this week to inspect the condition of the country's embassy in Pyongyang, in what appears to be the first visit by European staff in some four years.  NK News Seoul Correspondent Ifang Bremer (@IfangBremer) discusses what this could mean for a broader DPRK border reopening and the return of international aid agencies, as well as the five-year anniversary of the failed Hanoi Summit between U.S. President Donald Trump and North Korean leader Kim Jong Un. Then, Professor Ruediger Frank joins the podcast to talk about how the DPRK has reassessed risk amid the emergence of a “new Cold War” and how this has driven its recent closure of embassies in several countries. He also discusses Pyongyang's relationship with Beijing and Moscow and why he believes Kim Jong Un has not actually given up on reunification despite the DPRK's recent revision of its inter-Korean policy. Dr. Ruediger Frank (@Ruediger Frank) is a professor of East Asian economy and society at the University of Vienna, where he heads the Department of East Asian Studies. He spent one semester as a language student at Kim Il Sung University in Pyongyang in 1991/1992. He holds a master's degree in Korean studies and international relations and a Ph.D. in economics. About the podcast: The North Korea News Podcast is a weekly podcast hosted by Jacco Zwetsloot (@JaccoZed) exclusively for NK News, covering all things DPRK — from news to extended interviews with leading experts and analysts in the field, along with insight from our very own journalists.

------ For questions, find us on Instagram @dirtytrunkpodcast and DM us. Aaron Mac- Facebook: http://facebook.com/authorajmcmullen Instagram: http://instagram.com/authorajmcmullen Twitter: http://twitter.com/stanupmac Website: https://ajmcmullen.com Links to books published by Aaron Mac: The Gem State Siege: https://amzn.to/3hgGFd3 ----- Marcus Morton- Facebook: http://facebook.com/434lostheart Instagram: http://Instagram.com/the_morton_mortar ----- Available on these platforms: Anchor, Apple Podcast, Breaker, Google Podcast, Overcast, Pocket Cast, Radio Public, and Spotify

Phil Toews is Chief Executive Officer of the Toews Corporation and a Portfolio Manager of Toews Asset Management. His management strategies focus on creating “investor friendly” products designed to meet investors' economic and behavioral needs. Phillip is the founder of the Behavioral Investing Institute, an organization devoted to helping advisors manage investor behavior through market challenges. Learn more at orion.com.Key Takeaways[03:55] - Phillip's personal and career background.[04:58] - What really sets Toews apart from other asset management firms?[06:43] - Will this coming year be a case of the bears eating the “Goldilocks market?”[08:58] - What are the odds that a recession is on the horizon?[10:47] - Can we expect subsequent waves of inflation, as history might suggest?[12:47] - Why is global debt a problem and what should investors be doing about their portfolios because of it?[15:10] - What market scenarios do the terms “bezzle,” “bezzle fizzle” and “bezzle burst” describe?[18:44] - What does Phil's term “BFT” mean and how does it apply to investing?[21:36] - How would Phil contrast a tactical strategy from a hedged strategy?[24:48] - Are there any rough rules of thumb that Phil recommends for the respective portfolio weights for both trend following strategies or hedge strategies?[28:42] - Words of wisdom for how financial advisors can properly utilize trend following and hedge strategies?[31:30] - What is “National Investment Risk Day” and why did Toews help start this?[37:11] - What is Phil's  favorite investment idea currently?Quotes[20:55] - "...People just are sort of not into the word ‘tactical' anymore, and I think what's happened over the years is that there are people out there that are trying to predict the markets and they haven't done so well, and so I think it has gotten a little bit of a bad name…so we migrated that over to ‘trend following strategies.'" ~ Phil Toews[32:32] - "Now Bitcoin is, or Cryptocurrencies are, the trifecta of dumb. No assets, no income or no projected income, so forget about a meme stock that potentially actually earns something one day - there's nothing. [Yet] it has appreciated 18 million percent in the last 20 years, and only because [of that]...everyone says like…'I think this could be a legitimate thing, this could be a legitimate investment.'" ~ Phil ToewsLinksPhil Toews on LinkedInToews Corporation“Remember Me” by Blue BoyRecord Global Debt - Phil Toews on Weighing the RisksNational Investment Risk Day Webinar“Space Oddity” by David Bowie“Kooks” by David BowieConnect with UsMeet Rusty Vanneman, Orion's Chief Investment OfficerCheck Out All of Orion's PodcastsPower Your Growth with OrionCompliance Code: 0131-OPS-1/17/2024Disclosure(s)Orion Portfolio Solutions, LLC, an Orion Company, is a registered investment advisor.

K. Scott Griffith, former pilot and test pilot, is the author of “The Leader's Guide to Managing Risk: A Proven Method to Build Resilience and Reliability” and managing partner of SG Collaborative Solutions, LLC.   sgcpartners.com leadersguidetomanagingrisk.com

In today's fast-paced and ever-evolving business landscape, the ability of leaders to adapt and thrive amidst constant change and disruption is crucial for their personal and organizational success. As the digital age continues to reshape industries, staying ahead of the curve has become a paramount challenge for businesses and their leaders. In this episode of Growth Hacking Culture, We will explore key strategies and insights on how leaders can effectively keep up with change and disruption, ensuring their organizations remain resilient and competitive in an increasingly dynamic world.  Whether you're a seasoned executive, a budding entrepreneur, or simply someone interested in the dynamics of leadership in the modern era, this episode will provide you with valuable insights to navigate the turbulent waters of change and disruption effectively.   What We Discussed in this Episode on How Leaders Can Keep Up with Rajeev Kapur - The difference between "Enlightenment" and "Getting the Big Picture" - Balancing Leadership and Enlightenment: How can busy leaders incorporate the practice of "enlightenment" into their daily routines? - The Growing Importance of Agility for Leaders - Tech, Innovation, and Delegation: Can leaders delegate the responsibility of staying updated on technology, innovation, and transformation to others? - AI Education for Leaders: Why is it essential for leaders to acquire knowledge about Artificial Intelligence (AI)? - Navigating Information Overload: Amidst the overwhelming amount of available content in various formats and sources, how can leaders effectively prioritize what and how to learn?     About Rajeev Kapur Rajeev Kapur, a Global Business and Technology Leader and Chief Executive Officer, is known for his ability to reinvent and rejuvenate business cultures, turning stagnant sales into dynamic multimillion-dollar growth for small and middle-market companies. He is widely recognized as a true rainmaker and innovator, driven by his passion for repairing broken market strategies, company cultures, and leadership stagnation to uncover and seize new business opportunities. With a wealth of work experience spanning over 20 countries, Rajeev excels in building and nurturing powerhouse global teams, with a deliberate focus on inspiring collaboration. He is relentless in his pursuit of fostering a positive and healthy company culture, firmly believing that a fully engaged workforce is the key to achieving high customer satisfaction and retention.   Mentioned in this episode: Rajeev's book AI Made Simple: A Beginner's Guide to Generative Intelligence https://a.co/d/1A2uas9  Rajeev's book Chase Greatness: Enlightened Leadership for the Next Generation of Disruption https://a.co/d/9giMbqN  Rajeev's LinkedIn Profile https://www.linkedin.com/in/rajeevkapur1/      BONUS Article Building Habits to be less Risk Averse and more ready for Change https://www.peoplekult.com/post/building-habits-to-be-less-risk-averse-and-more-ready-for-change  Build your ability to change and disrupt with the monthly Simply Human Newsletter - Subscribe here https://simplyhuman.substack.com/       

Coming up, an expert guest sheds light on the unavoidable risks faced by missionaries in their work, particularly in the context of the rising tensions between the United States and China. Join us as we uncover the challenges, resilience, and unwavering faith required to navigate these risks and fulfill the call of spreading the gospel. Believe in our mission? Support the show at missionsshow.com/support. The Missions Show is a ministry resource of ABWE. Learn more at abwe.org. Want to ask a question or suggest a topic? Email alex@missionsshow.com.

Coming up, an expert guest sheds light on the unavoidable risks faced by missionaries in their work, particularly in the context of the rising tensions between the United States and China. Join us as we uncover the challenges, resilience, and unwavering faith required to navigate these risks and fulfill the call of spreading the gospel. Believe in our mission? Support the show at missionspodcast.com/support. The Missions Podcast is a ministry resource of ABWE. Learn more at abwe.org. Want to ask a question or suggest a topic? Email alex@missionspodcast.com.

Those of us with analytical minds tend to be fairly risk averse.But entrepreneurship requires that we move forward with incomplete information.So, what can we do to overcome that fear of the unknown and get into our first real estate deal? How do we develop the confidence to figure things out as we go along?Nicole Gauthier is Founder of Wicked Holdings, a real estate investment community focused on social change and community empowerment.Nicole was an accountant in the oil and gas industry before transitioning to real estate, and she has a heart for helping busy professionals build generational wealth through multifamily syndications.On this episode of Financial Freedom with Real Estate Investing, Nicole joins us to discuss how the mantra ‘progress over perfection' helps her overcome the uncertainty of investing in real estate.Nicole describes how her education and experience as an LP gave her the confidence to become a multifamily operator and explains how to develop transformational relationships with investors.Listen in for Nicole's advice on approaching a potential mentor and learn how to overcome analysis paralysis and take the calculated risks necessary to get into your first real estate deal!For full episode show notes visit: https://themichaelblank.com/podcasts/session374/

Today's guest is Travis Baucom, the founder, and CEO of Balcomie Capital. Balcomie Capital is a boutique firm for high-net-worth and high-income individuals that specializes in a seldomly invested but well-known property type that performs better than most others. Having started his journey in private markets back in 2012. Travis has successfully been involved with over $55 million in AUM through acquisition, development, repositioning, disposition, asset management, and strategic planning. *DISCLAIMER - We are not giving any financial advice. Please DYOR* (00:00 - 02:13) Opening Segment - Travis is introduced as the guest Host - Travis shares something interesting about himself (02:13 - 27:46) Unlocking Access to Off-Market deals - How Self-Storage Investing is Risk-Averse and Recession Proof? - What are the Benefits of Investing Locally and Privately? - Stability in a Sea of Change: Balcomie Capital's Investment Philosophy - Why Accessibility Matters to Investors? (27:46 - 34:10) Fire Round - Travis shared if he would change his investment strategy - Travis also shares his favorite Finance, real estate book, or any related book - Also Travis shared about the website and tools that he can recommend - Travis's advice to beginner investors - Also shared how he gives back (34:10 - 35:05) Closing Segment -If you want to learn more about the discussion, you can watch the podcast on⁠⁠⁠⁠⁠⁠⁠ Wealth Matter's YouTube channel ⁠⁠⁠⁠⁠⁠⁠and you can reach out to Alpesh using this ⁠⁠⁠⁠⁠⁠⁠link⁠⁠⁠⁠⁠⁠⁠. Check us out at: Facebook: ⁠⁠⁠⁠⁠⁠⁠@wealthmatrs⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠IG: @wealthmatrs.ig⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Tiktok: @wealthmatrs⁠⁠⁠

How do you keep innovating while also making sure your core business stays on point? How do you turn your employees into impassioned storytellers? And how do you get even the most risk-averse stakeholders to get on board with your trailblazing new approach? Reid Hoffman and Bob Safian answer these questions and more, all posed live by entrepreneurs across many industries and stages of scale. Plus Reid reminds us the importance of staying grounded in our humanity amid the spate of big tech layoffs in our Need to Know segment.Read a transcript of this episode: https://mastersofscale.comSubscribe to the Masters of Scale weekly newsletter at http://eepurl.com/dlirtXSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

What does it really mean to be risk-averse when it comes to investing? This week, Phil and Danielle return with a new episode of InvestED to discuss risk and how to decide if a company is dangerous enough to sink a potential investment decision. When you first start out with investing, it can be overwhelming and intimidating. But it's important to go deep and really do your homework before making a truly sound decision, especially in today's tough market. Tune in to this week's episode of InvestED to learn more about risk inversion, what it takes to make a sound investment decision and how to overcome overwhelm. To learn more about how to be confident in a company, download your copy of Phil's FREE guide about the 4 M's to successful investing: https://bit.ly/3BiRJA1  Topics Discussed: Risk inversion Investment Overwhelm Uncertainty Predicting Success Events Resources Discussed Netflix Episode Netflix Part 2 Netflix Part 3 FAANGM Stocks Episode For show notes and more information visit www.investedpodcast.com.  Learn more about your ad choices. Visit megaphone.fm/adchoices