Podcasts about Risk management

https://tradingnut.com/calvin-forex-beginner-podcast/ - Calvin's Links

Jesse fields six wide-ranging listener questions that dig into the heart of financial planning and investing. He opens with a challenge to the idea that age alone dictates portfolio strategy, emphasizing instead that time horizons, goals, and diversification determine the right balance between growth and preservation. From there, Jesse advises a listener who recently inherited $1 million on how to integrate the windfall into an early retirement plan through detailed cash flow projections, withdrawal strategies, and careful consideration of pensions and Social Security. Next, he unpacks the difference between risk tolerance and risk capacity—framing them as willingness versus ability to take risk—and illustrates how these concepts vary depending on age, assets, and future income. A question about bonds leads to a deep dive on duration, interest rate sensitivity, and why bond funds and individual bonds behave more alike than many investors assume, with practical guidance on structuring fixed income for retirement needs. Shifting to income growth, Jesse shares seven strategies for boosting earnings over time, from negotiating raises and pursuing certifications to building businesses, climbing the career ladder, and gaining equity participation. Finally, he closes with a clear primer on Bitcoin, explaining blockchain, mining, and the role of trust in money, while stressing that investors don't need cryptocurrency in their portfolios—but should at least understand what it is and why it matters. Key Takeaways: • Investment strategy should be based on goals and timelines, not just age. • A $1 million inheritance should be planned with the same rigor as any other asset, while respecting any personal or emotional ties. • Risk tolerance reflects your willingness to endure volatility, while risk capacity measures your financial ability to recover from losses. • Bond funds and individual bonds are functionally similar, especially when held to maturity. • Negotiating with employers or job hopping can be effective short-term paths to higher pay. Building side businesses or securing equity participation can create outsized wealth growth over time. • Investors don't need crypto in their portfolios, but understanding how it works helps in today's financial landscape. Key Timestamps: (01:58) – Question #1: Understanding Risk and Reward in Investing (15:01) – Question #2: David's Early Retirement Strategy (22:21) – Question #3: Karen's Question on Risk Capacity (31:09) – Question #4: James' Concern About Bond Funds (42:39) – Question #5: Tips for Increasing Your Income (48:20) – Strategic Career Climbing (53:47) – Question #6: Introduction to Cryptocurrency (01:00:33) – The Role of Trust in Money and Bitcoin (01:09:16) – Bitcoin Wallets and Blockchain Explained (01:13:27) – Cryptographic Puzzles and Proof of Work (01:24:37) – Concluding Thoughts and Future Episodes Key Topics Discussed: The Best Interest, Jesse Cramer, Wealth Management Rochester NY, Financial Planning for Families, Fiduciary Financial Advisor, Comprehensive Financial Planning, Retirement Planning Advice, Tax-Efficient Investing, Risk Management for Investors, Generational Wealth Transfer Planning, Financial Strategies for High Earners, Personal Finance for Entrepreneurs, Behavioral Finance Insights, Asset Allocation Strategies, Advanced Estate Planning Techniques Mentions: https://bestinterest.blog/risk-and-reward/  https://bestinterest.blog/stocks-for-wealth-bonds-for-sanity/   https://bestinterest.blog/winning-the-game-retiring-at-57-with-4-million/   https://bestinterest.blog/raises-negotiations/  https://bestinterest.blog/explaining-bitcoin-in-simple-terms/   More of The Best Interest: Check out the Best Interest Blog at https://bestinterest.blog/  Contact me at jesse@bestinterest.blog Consider working with me at https://bestinterest.blog/work/  The Best Interest Podcast is a personal podcast meant for education and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.

In this special episode of URMIA Matters, all URMIA members are invited to listen in and hear the latest updates from the URMIA Executive Committee. Join us for a streamlined business meeting that will include a briefing on the Association by the president, a financial report by the treasurer, and other board officer updates. You will also hear about what the URMIA Office has been working on and what's next for the URMIA community. Tune in to hear all the updates from the URMIA Board of Directors and what they are looking forward to in URMIA's near future! Show Notes URMIA Specialty Communities Sign-Up URMIA Board Nominations and Elections URMIA Board of Directors About URMIA - Strategic Pillars URMIAmentors URMIAacademy URMIA Matters Podcast - Meet URMIA's Newest Staff URMIA Staff URMIA - GRAC URMIA's updated Risk Inventory URMIA's 56th Annual Conference in Las Vegas (October 12-16) Guests  Sandy Mitchell, Director, Office of Insurance - Massachusetts Institute of Technology Miguel Delgado, Associate Vice President and Chief Risk Officer - Carnegie Mellon University Flo Hoskinson, Risk Manager - Oregon Health & Science University Craig McAllister, Assistant Vice President, Risk Management - University of Miami Jim Mulholland, Director of Compensation and Risk Management - Grinnell College Keesha Trim, Sr. Director, Risk Management & Insurance - University of Richmond Guest Host Michelle Smith, Executive Director - URMIAConnect with URMIA & URMIA with your network-Share /Tag in Social Media @urmianetwork-Not a member? Join ->www.urmia.org/join-Email | contactus@urmia.org Give URMIA Matters a boost:-Give the podcast a 5 star rating-Share the podcast - click that button!-Follow on your podcast platform - don't miss an episode!Thanks for listening to URMIA Matters!

In the third installment of this Shoptalk series, host David Carothers and guest Zane Goldthorp of ProWriters shift the focus to proactive risk management for cyber insurance. They make the case that even in a soft market, a responsible business owner's focus should be on security, not just on meeting minimum carrier requirements. The conversation covers the essential security controls every business should have, including MFA, MDR, and employee training. They also dive into a real-world claim scenario that highlights a critical coverage gray area—the "Bring Your Own Device" (BYOD) issue—and discuss the potential conflicts between carrier-provided security services and an agent's referral relationships with Managed Service Providers (MSPs).   Key Highlights: Essential Risk Management Controls Zane Goldthorp outlines the foundational security measures agents should be discussing with their clients. While carriers may have relaxed some requirements, essentials like MFA (Multi-Factor Authentication), regular backups, and email security are non-negotiable. He also notes the industry's shift from EDR (Endpoint Detection and Response) to the more proactive MDR (Managed Detection and Response).   The Human Element: Employee Training The conversation stresses that one of the most effective and overlooked risk management tools is consistent employee training. With phishing and business email compromise being the source of most breaches, training employees to spot increasingly sophisticated attacks can be the make-or-break difference in preventing a major claim.   A Critical Coverage Lesson: The BYOD Problem David shares a story from a real claim that exposed a major potential coverage gap: whether a breach is covered if it originates on a personal device not owned by the company. This "Bring Your Own Device" (BYOD) issue highlights the critical importance of understanding policy nuances and working with an expert wholesaler who knows the forms inside and out.   Navigating Carrier Services and MSP Relationships Many cyber carriers now offer security services as part of their policies. While valuable, David cautions agents to be mindful of their referral relationships with MSPs (Managed Service Providers). An MSP may view these carrier offerings as direct competition, potentially damaging a crucial referral source. The key is clear communication to ensure all parties are aligned.   Connect with: Zane Goldthorp LinkedIn David Carothers LinkedIn Kyle Houck LinkedIn Visit Websites: Power Producer Base Camp ProWriters Killing Commercial Crushing Content Power Producers Podcast Policytee The Dirty 130 The Extra 2 Minutes

Protecting your family starts with the right financial basics. In this video, we break down the must-have estate planning tools, insurance coverage, and financial safeguards every household needs. From wills and trusts to life insurance, disability coverage, and guardianship designations, we'll cover how to ensure your loved ones are secure no matter what happens. We'll also dive into digital assets, medical directives, and children's financial planning — the often-overlooked steps that protect families from unnecessary risks. ✅ Learn the financial documents every family should have ✅ Avoid common mistakes that leave families unprotected ✅ Build peace of mind with a plan that covers all bases 0:20 - Green on the Screen on Day-3 of Government Shutdown 4:05 - Risk Management thru Estate Planning 7:28 - Basic Estate Planning Documents You Need to Have 9:48 - Powers of Attorney 18:19 The Document Repository 21:03 - Post-mortem Plans - Trusts vs Wills 28:23 - Designating Beneficiaries 36:11 - Disability & Long Term Care Insurance Considerations 42:43 - Letters of Intent

Protecting your family starts with the right financial basics. In this video, we break down the must-have estate planning tools, insurance coverage, and financial safeguards every household needs. From wills and trusts to life insurance, disability coverage, and guardianship designations, we'll cover how to ensure your loved ones are secure no matter what happens. We'll also dive into digital assets, medical directives, and children's financial planning — the often-overlooked steps that protect families from unnecessary risks. ✅ Learn the financial documents every family should have ✅ Avoid common mistakes that leave families unprotected ✅ Build peace of mind with a plan that covers all bases 0:20 - Green on the Screen on Day-3 of Government Shutdown 4:05 - Risk Management thru Estate Planning 7:28 - Basic Estate Planning Documents You Need to Have 9:48 - Powers of Attorney 18:19 The Document Repository 21:03 - Post-mortem Plans - Trusts vs Wills 28:23 - Designating Beneficiaries 36:11 - Disability & Long Term Care Insurance Considerations 42:43 - Letters of Intent

So you've made it, you're trading professionally at a prop firm.  What is that firm going to be expecting from you?  What will they be looking at?  Mostly your risk profile, so it would really help to know ahead of time how to trade like a professional prop trader who firms not only want to take on, but keep.  We just so happen to have the head of a large prop firm on this show.  Let's see what he has to say about this.   Link for the Trading as a Corporation Video -  https://www.youtube.com/watch?v=DaF7UE3pYKE   #TradingPsychology   Maverick Links   Click Here To Learn More about Maverick Forex Trading:  URL: https://maverickfx.com/application-3-a/?utm_source=vpyt   Click Here To Learn More about Maverick Currencies: URL: https://maverickcurrencies.com/application-3-a/?utm_source=VPPodPsych   Click Here To Learn More about Maverick Trading's Stock/Options Division: URL: https://mavericktrading.com/application-3-a/?utm_source=VPPodPsych   Maverick Trading YouTube Channel: https://www.youtube.com/@mavericktrading   Robb's Flat Earth Trading Society https://www.youtube.com/@FlatEarthTradingSociety   No Nonsense Forex Links   VP's Trading Psychology Book https://nononsenseforex.com/forex-psychology-book/   Recommended Crypto Trading Platform (Bonus and Contest Eligibility) - https://nononsenseforex.com/cryptocurrencies/best-crypto-trading-platform/   Blueberry Markets Blog (Top FX Broker) - https://nononsenseforex.com/uncategorized/blueberry-markets-review-my-top-broker-for-2019/   Follow VP on Twitter https://twitter.com/This_Is_VP4X   The hosts of this podcast are not licensed financial advisors, and nothing heard on this podcast should be taken as financial advice.  Do your own research and understand all financial decisions and the results therein are yours and yours alone.  The host is not responsible for the actions of their sponsors and/or affiliates.  Conversely, views expressed on this podcast are that of the host only and may not reflect the views of any companies mentioned. Trading anything involves risk.  Losses can exceed deposits.

A video of this podcast is available on YouTube, Spotify, or PwC's website at viewpoint.pwc.comThis week, host Heather Horn is joined by Eelco van der Enden, CEO of Accountancy Europe. In this episode, we explore the fast-changing reporting and assurance landscape across Europe, including sustainability reporting and broader regulatory shifts. We examine the forces driving simplification, cross-border alignment, and the future of the accounting profession—and what it all means for companies operating in or doing business with the EU.In this episode, we discuss:1:55 – The evolving role of Accountancy Europe and how it engages with EU institutions3:35 – Broader forces shaping Europe's reporting and investment landscape14:55 – Bridging the knowledge gap between the profession, policymakers, and society30:18 – Advice for US companies navigating EU sustainability regulations33:19 – Accountancy Europe's Purpose 2030 project and industry benchmarking efforts35:35 – AI, digitalization, and their implications for the accounting profession42:05 – Global collaboration, talent attraction, and simplifying regulationAbout our guestEelco van der Enden is the CEO of Accountancy Europe. He brings over 35 years of experience in business and civil society organizations. Until December 2024, Eelco served as chief executive officer of the Global Reporting Initiative where he led the organisation through groundbreaking changes in sustainability reporting. Eelco previously headed PwC's Global ESG Platform for Tax, Legal, People & Organization Services and has held several senior positions in publicly listed companies, including roles as Head of Treasury, Risk Management, and Tax.About our hostHeather Horn is the PwC National Office Sustainability and Thought Leader, responsible for developing our communications strategy and conveying firm positions on accounting, financial reporting, and sustainability matters. In addition, she is part of PwC's global sustainability leadership team, developing interpretive guidance and consulting with companies as they transition from voluntary to mandatory sustainability reporting. She is also the engaging host of PwC's accounting and reporting weekly podcast and quarterly webcast series.Transcripts available upon request for individuals who may need a disability-related accommodation. Please send requests to us_podcast@pwc.comDid you enjoy this episode? Text us your thoughts and be sure to include the episode name.

In this episode of the Real Estate Pros Podcast, host Kristen interviews Nick Dial, author of 'Insurance Makes Cents.' They discuss the importance of understanding insurance, particularly for real estate professionals, and how to leverage it effectively to protect assets. Nick shares his personal journey into the insurance industry, the inspiration behind his book, and the common gaps in insurance coverage that many overlook. He emphasizes the need for a customized approach to insurance and the importance of educating oneself about policies to avoid costly mistakes. The conversation concludes with key takeaways from Nick's book, empowering listeners to optimize their insurance strategies.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true ‘white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a “mini-mastermind” with Mike and his private clients on an upcoming “Retreat”, either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas “Big H Ranch”? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

In this episode of the Investor Fuel Podcast, host Leo Wehdeking interviews Michael Evans, a real estate expert focused on managing properties in Detroit. Michael shares his journey in real estate, including his risk management strategies, challenges faced in the industry, and the importance of building personal relationships for success. He discusses his goals for scaling his business and the unique opportunities in the Detroit market.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true ‘white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a “mini-mastermind” with Mike and his private clients on an upcoming “Retreat”, either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas “Big H Ranch”? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

"I am a lifelong learner" - Sandi LuckIn this conversation, Carol Schultz speaks with Sandy Luck, founder & CEO of Bully Brew Coffee, ND Coffee Roastery, and Board Room Coffee & Taphouse. They discuss the challenges and opportunities faced by women in male-dominated industries, particularly in the coffee business. Sandy shares her entrepreneurial journey, the importance of mentorship, and the dynamics of co-founder relationships. They explore customer acquisition strategies, the significance of company culture, and the financial aspects of running a business. Sandy emphasizes the need for independent coffee shops and her vision for growth while addressing the challenges of employee retention and workplace evolution. Chapters 00:00 Introduction to Gender Dynamics in Business 03:04 Sandy Luck's Entrepreneurial Journey 05:59 Navigating Co-Founder Relationships 08:58 Customer Acquisition Strategies 11:55 Women in the Coffee Industry 14:48 Mentorship and Empowerment 17:49 Future Growth and Business Philosophy 19:22 The Cookie Cutter Model and Licensing Opportunities 20:27 Ambitious Growth Plans for Bully Brew Coffee 21:23 Community Engagement and Ownership in Small Towns 22:42 Empowering Employees and Building Future Owners 23:13 Creating a Welcoming Customer Experience 24:00 Revenue Targets and Financial Challenges 26:13 Bottlenecks to Growth and Risk Management 29:14 The Reality of Entrepreneurship and Work-Life Balance 31:14 Company Culture and Leadership Development 33:37 Evolution of the Workplace and Leadership Skills Connect With Host Carol SchultzFind more information about our host Carol Schultz and her company at Vertical Elevation, LinkedIn, and Instagram.Want to be our next guest expert? Email cat.gloria@verticalelevation.com with your information. And of course, click "follow" to stay up-to-date on new episodes and leave an honest review/rating letting us know what you thought!

Banks have been using natural language processing and machine learning applications for years in managing their anti-money laundering and Bank Secrecy Act obligations. But how does the growing adoption of generative AI tools affect how BSA and fraud professionals protect their banks? On the latest episode of the ABA Banking Journal Podcast — presented by Agri-Access — former FDIC official Lisa Arquette shares a regulator's-eye view of generative AI in the BSA world and how regulators have been approaching the technology for their own work. Joined by ABA SVP Heather Trew, Arquette also discusses: The state of play on banks' beneficial ownership reporting obligations. Other elements of implementing the AML Act of 2020. How regulators weigh AML/BSA performance when approving mergers and acquisitions. Fluctuations in AML/BSA compliance investments through the economic cycle. The low number (1%) of BSA-related examinations at the FDIC that result in enforcement actions. Register for the ABA Financial Crimes Enforcement Conference, Oct. 14-16 in Arlington, Virginia.

Eleanor Hill (TMI) asks Yvonne Yiu and Sridhar Narayan (HSBC) how Asia's treasury landscape is adapting to trade tensions, tariff shifts, and evolving supply chains. Our guests explore the rise of digital banking, real-time payments, and AI-driven cash forecasting, offering corporate treasurers practical guidance on liquidity management, risk mitigation, and harnessing technology to navigate uncertainty and drive strategic growth across the region.

Ever wonder how a profitable company can suddenly face bankruptcy? The answer lies in Working Capital Management (WCM). In this episode of Corporate Finance Explained on FinPod, we delve beyond profit margins to examine the daily cash battle that determines a company's survival and growth.We unpack the paradox of being "paper rich, cash poor" and reveal how WCM masters, such as Apple and Walmart, have turned liquidity into a competitive weapon, while others have learned the hard way that neglecting cash flow can destroy value.This episode covers:The WCM Paradox: Understanding the critical difference between long-term profit and short-term liquidity, and how a broken Cash Conversion Cycle (CCC) can lead to failure.Strategic Mastery: How companies achieve strategic negative working capital by using market leverage to get cash from customers instantly while stretching payments to suppliers (effectively an interest-free loan from the supply chain).Lessons from Failure: The stark warning from Kraft Heinz, where a WCM breakdown—bloated inventory and slow receivables—led directly to a painful dividend cut, showing WCM discipline is not optional.The Finance Playbook: Five core strategies every professional must champion to weaponize WCM, including tightening Accounts Receivable terms, centralizing cash with Treasury Management, and using AI for demand forecasting.Critical Ratios: The importance of stress testing your short-term resilience and knowing key ratios that signal liquidity risk long before the crisis hits.

Today, Jesse is joined by Spencer Reese—Air Force veteran, financial educator, and creator of the Military Money Manual—for a conversation about the surprising overlap between military transitions and civilian retirement. Together, they explore why the only constant in retirement is change, how life evolves through “go-go, slow-go, and no-go” phases, and Jesse's framework for a “Retiree's Financial Decathlon,” covering everything from building a sustainable paycheck to tax efficiency, healthcare, estate planning, and even learning to spend with intention. Spencer shares lessons from his own service and separation, highlighting the financial quirks of military life—like government-covered housing, allowances that incentivize marriage, and the all-too-common trap of buying too much car—as well as the importance of communication and systems for long-term success. Beyond the dollars, they discuss the identity shifts that come with leaving the military or workforce, the challenge of replacing purpose and community, and how preparation and adaptability ease the transition. Throughout, Jesse and Spencer remind listeners that whether you're a veteran or a civilian, financial independence is as much about mindset and meaning as it is about math. Key Takeaways: • Retirement is not a fixed point in time but an evolving, decades-long transition. • Purpose, meaning, and social connection are as critical as financial stability in retirement. • Jesse's “Retiree's Financial Decathlon” framework highlights ten essential planning areas, including building a paycheck, taxes, healthcare, estate planning, and spending. • Many military families struggle not from lack of will, but from lack of financial skills and role models. • Transitioning out of the military often brings a loss of identity, community, and structure, similar to civilian retirement. • Preparing early—whether through classes like TAP for veterans or retirement workshops for civilians—eases major life transitions. Key Timestamps:(00:00) – The Only Constant in Retirement: Change (07:59) – The Retiree's Financial Decathlon (20:09) – Interview with Spencer Reese: Military Financial Planning (31:20) – The Importance of Financial Vision and Communication (35:24) – Creating Financial Systems for Deployment (38:17) – Behavioral Traps and Financial Resources for Military Families (43:19) – Opportunities During Deployment (47:07) – Transitioning to Post-Service Life (50:18) – The Importance of Purpose and Meaning in Retirement (01:00:52) – Resources and Recommendations for Financial Success Key Topics Discussed: The Best Interest, Jesse Cramer, Wealth Management Rochester NY, Financial Planning for Families, Fiduciary Financial Advisor, Comprehensive Financial Planning, Retirement Planning Advice, Tax-Efficient Investing, Risk Management for Investors, Generational Wealth Transfer Planning, Financial Strategies for High Earners, Personal Finance for Entrepreneurs, Behavioral Finance Insights, Asset Allocation Strategies, Advanced Estate Planning Techniques Mentions: Website: https://militarymoneymanual.com/ LinkedIn: https://www.linkedin.com/in/spencer-c-reese/ Mentions:  https://bestinterest.blog/your-only-retirement-constant-will-be-change/ https://bestinterest.blog/the-retirees-financial-decathlon/ https://bestinterest.blog/e108/ https://bestinterest.blog/e106/ https://bestinterest.blog/when-should-i-take-social-security/ https://bestinterest.blog/retirement-withdrawal-order-of-operations/ https://bestinterest.blog/planning-for-your-healthcare-costs-to-and-through-retirement/ https://www.militaryonesource.mil/  More of The Best Interest: Check out the Best Interest Blog at https://bestinterest.blog/ Contact me at jesse@bestinterest.blog Consider working with me at https://bestinterest.blog/work/ The Best Interest Podcast is a personal podcast meant for education and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.

In this episode of the Connected Intelligence Podcast, Dr. Farhad Tajali joins host Manish to explore how AI and data analytics are transforming the future of security. From video analytics that can detect weapons and suspicious behavior to uncovering hidden patterns in access control and incident data, Dr. Tajali explains why these tools are now mission-critical. The conversation also digs into the cultural and knowledge gaps that keep teams from using data effectively — and how leaders can build confidence, create a metrics-driven mindset, and prepare their organizations for a future where technology and human judgment work hand in hand.You'll learn:How Dr. Tajali applies AI and data analytics to strengthen security programs and uncover threat patternsWhy confidence, training, and leadership expectations are essential for building data-driven security teamsPractical steps security professionals can take today to integrate metrics and technology into their daily operationsTake the survey, The State of Data Analytics in Physical Security: Adoption, Challenges & Opportunities, here: https://bit.ly/3WiPpCM

The emergency department offers critical access to health care in our broken system. An important skillset of the modern emergency medicine physician is a set of low-risk, low-time commitment, high-benefit interventions for the management of chronic diseases. In this episode, we discuss the diagnosis and management of hypertension, type 2 diabetes, asthma, alcohol use disorder, and tobacco use disorder from the emergency department.

Matt's Top 5 Strengths are:  Adaptability, Context, Positivity, Woo & Belief Elizabeth's Top 5 Strengths are: Harmony, Relator, Discipline, Empathy & Focus  Matt and Elizabeth live in Orlando, FL with their two sons, Caleb (2.5) and Shepherd (11 months). They met while serving in Italy with Cru, and recently moved back to the States. They now work at Cru's global headquarters, Matt in Risk Management and Elizabeth in Leadership Development and Human Resources. In their free time, they enjoy family walks, watching football, and making pancakes for breakfast. They are enjoying this season of stewarding their strengths through parenting their two boys and stepping into new ministry roles.  Find out your strengths by taking the CliftonStrengths Top 5 Assessment   Workshops and Coaching with Barbara Culwell Subscribe & Leave a Review on Embrace Your Strengths    

Kyle Thompson is the Senior Vice President in Risk Management at Arthur J. Gallagher, where he leads large teams on complex risk. He played pro golf for 17 years before pivoting to risk management in 2019. In this live from RIMS 2025 episode, Kyle reflects on the ways that his golf career prepared him for risk management. He highlights the similarities between the two careers, reflects on some of his biggest wins, and details the athletic characteristics that have helped him excel in his new career.   Key Takeaways: ● Kyle's experience with golf was a family affair that is in his DNA. ● Advancing through the PGA was a multi-year-long effort. ● Kyle's pivot from pro golf to risk management. ● Risk and insurance knowledge started with earning accreditations. ● Kyle has zero regrets about his career in risk management. ● Reflections on Kyle's biggest wins and AJG's growing success. ● Addressing the male-dominated insurance landscape. ● Surprising discoveries that Kyle made once he joined the traditional workforce. ● Characteristics of ex-athletes who thrive in risk management.   Mentioned in This Episode: Kyle Thompson Arthur J. Gallagher   Tweetables:   “I had a few offers to go into real estate, but it just didn't speak to me the way insurance did.”   “I was a pro at golf; now I'm an aspiring professional insurance broker.”   “I know what I know, and I know what I don't know.”   “Golf itself is really nothing but risk management.”

John Kempton is a Senior Consultant at FHS and is responsible for advising clients on program design and implementation, negotiating contracts, and implementing overall risk management strategy. Before joining FHS, John was the Southeast Zone Real Estate Leader and Senior Vice President for Marsh in Washington, DC. John entered the insurance industry in 2012. In this live from RIMS 2025 Chicago episode, John highlights industries that commonly outsource risk management, including real estate and hospitality, details the unique skillset of being a broker-turned-consultant, and offers encouragement to anyone who is wondering whether returning to the office is really worth the effort (it is).   Key Takeaways: ● John's role at FHS focuses on real estate and construction space. ● Industries that commonly outsource risk management. ● From history major to insurance industry — John's unexpected career path. ● Acquiring insurance clients in the real estate industry. ● The benefits of offering a flat monthly retainer. ● Brokers turned consultants offer a unique skillset to clients. ● John's engagement preferences in the real estate and hospitality industry. ● Growth in this industry is not slowing down anytime soon. ● In another life, John is managing a safari lodge in South America. ● John's networking advice to his early career self.   Mentioned in This Episode: John Kempton FHS Risk Management   Tweetables:   “Our job is to come in and manage the process rather than hijack the process.”   “Many of our clients don't even know that this outsourcing model exists.”   “The earlier we're involved with our clients, the better the outcome typically is.”   “Embrace being in the office and making connections.”  

Organizations continue to face an increasingly complex cyber threat landscape. Amid ongoing geopolitical and geoeconomic tensions and supply chain disruptions, a robust and comprehensive cyber risk management strategy can help businesses mitigate risks and improve resiliency. In this episode of Risk in Context, Marsh McLennan's Dan Bowden speaks with Marsh's Helen Nuttall and Matt Berninger about the importance of reviewing and reinforcing cyber controls to help minimize cyber exposures and uncertainty and better protecting their people, finances, and operations from cyber threats. You can access a transcript of the episode here. Read Cybersecurity Signals, Connecting Controls and Incident Outcomes and The 2025 OT Security Financial Risk Report. For more insights and insurance and risk management solutions, follow Marsh on LinkedIn and X and visit marsh.com.

Are you ready for the biggest change of your life? Discover how shifting from saving to spending in retirement can be both exciting and daunting. Kevin Madden breaks down the emotional and financial challenges of retirement, from managing risk and building a solid financial foundation to balancing enjoyment with smart planning. Hear real stories, expert insights, and practical strategies to help you navigate your retirement journey with confidence—all in one engaging episode. Get Your Complimentary Retirement Roadmap Your roadmap will include: A retirement income strategy A test to see how long your money will last A tax-planning strategy See omnystudio.com/listener for privacy information.

In this episode of CFI Member Spotlight on FinPod, we showcase the incredible journey of Iuliia Tuseeva, an Equity Analyst at the BEAM Fund and a student at Simon Fraser University (SFU) in Vancouver, BC.Iuliia shares how her passion for mathematics and economics first sparked her interest in finance, leading her to successfully navigate a major international move alone and quickly build a competitive career foundation.This episode covers:From Olympiads to Investing: How Iuliia's early passion for math and economics competitions quickly translated into real-world trading and investment analysis.The Power of Adversity: Why moving alone to Canada at a young age was her biggest struggle and how that experience built the mental maturity and independence essential for success in finance.SFU Case Competitions: How she used global case competitions (like an M&A challenge) and student associations to gain practical skills far beyond the classroom.Life in Private Equity: Insights from her internship at Alpine Vista's Capital, including the challenge of performing deep industry research in niche sectors (and how to find hidden data).The Value of Community: Her experience in the RBC Women in Investment Management Mentorship Program and why learning how to network and build genuine relationships is crucial for career growth.The BEAM Fund Experience: How her role as an Equity Analyst in a student-led, multi-million dollar fund provides hands-on, high-level experience in equity research, portfolio management, and investment strategy.Iuliia's intentional approach to skill-stacking (including multiple CFI certifications) provides a compelling roadmap for any aspiring finance professional.

Artificial intelligence (AI) is moving faster than any other technology banks have seen before. From fraud detection to lending platforms, AI is being embedded in nearly every vendor solution. For community banks and credit unions, this acceleration brings both opportunity and risk. This present risk and compliance teams with new demands from the board and regulators for stronger oversight.In this episode of the Banking on Data podcast, host Ed Vincent continues the conversation with compliance expert, Beth Nilles, who helps ‍unpack how financial institutions can take a program risk assessment approach to AI. This builds on a previous episode, How Community Financial Institutions Can Build a Responsible AI Approach, where Beth outlined guardrails and governance for adopting AI responsibly. In Part 2, she explains why program risk assessments are critical, what they look like in practice, and how often institutions should conduct them.Follow us to stay in the know!

Innovation comes in many areas, and compliance professionals need to not only be ready for it but also embrace it. Join Tom Fox, the Voice of Compliance, as he visits with top innovative minds, thinkers, and creators in the award-winning Innovation in Compliance podcast. In this episode, host Tom Fox concludes a two-part series with Brad Stevens, focusing today on the innovations of Outsource Access. Brad shares his insights on how fostering a sense of belonging and recognition among employees can lead to remarkable business success. Discover how Outsource Access is redefining the outsourcing industry by prioritizing employee growth, community engagement, and cultural fit. Key takeaways: – 

Higher education institutions are increasingly at risk from cyberattacks that threaten enrollment, accreditation, financial aid compliance, and reputation. In this episode of the Changing Higher Ed® podcast, Dr. Drumm McNaughton speaks with Brian Kelly, Chief Information Security Officer at Community Health Networks of Connecticut and former higher education CISO, about why cybersecurity must be treated as an enterprise risk—not just an IT issue. This conversation is especially relevant for presidents, trustees, and senior leaders who need to understand how cyber risk intersects with governance, strategic planning, crisis management, and accreditation readiness. Topics Covered: Why higher education is a prime target for cyberattacks How ransomware and data breaches disrupt core institutional functions The governance responsibilities of boards in overseeing cybersecurity Cyber implications for strategic planning and reputation management Why accreditation and compliance can be undermined by cyber breaches Protecting research and intellectual property from cyber threats Building a campus culture of shared cybersecurity responsibility The leadership succession gap in higher ed cybersecurity Core practices every institution should adopt during Cybersecurity Awareness Month Real-World Examples Discussed: United Healthcare and Social Security data compromises PowerSchool breach exposing minors to identity theft Target and Home Depot breaches as case studies in reputational damage F-35 design theft highlighting the value of intellectual property Scam examples including PayPal fraud, fake purchase confirmations, and LinkedIn phishing Leadership succession in action: Cathy Hubbs' retirement and Harry Hoffman's appointment Three Key Takeaways for Higher Ed Leadership: Plan for resilience, not just prevention—institutions must continue to operate during and after cyber incidents. Make cybersecurity a shared responsibility—leaders must ensure accountability across the campus community. Include cyber in board oversight—cyber risk is part of governance, enterprise risk management, and accreditation readiness. Read the transcript or extended show summary: https://changinghighered.com/cybersecurity-risk-management-in-higher-education/ #HigherEdCybersecurity #BoardGovernance #HigherEducationPodcast

Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society.   In this episode, Justin interviews James Swanke, Lecturer in Risk and Insurance at the University of Wisconsin-Madison's Wisconsin School of Business. He currently serves as Director of the Risk Management and Insurance MBA program. Justin and Jim talk about his 42 years of experience in Risk Consulting with Willis Towers Watson, and his specialties there, particularly with captives. They discuss the University of Wisconsin-Madison Risk Management and Insurance MBA program, what the students learn, and the competitions they have won in the last year, and they look forward to winning this year. Also, Jim tells of disc jockeying in college, from Classic Rock to Polka.   Listen to learn about captive design, how to prepare for emerging trends, and who wrote the best music of the '70s.   Key Takeaways: [:01] About RIMS and RIMScast. [:17] About this episode of RIMScast. This is our special International Podcast Day episode because it's released on September 30th. We will be joined by Jim Swanke. He's a lecturer in the Risk Management Program of the University of Wisconsin. [:46] Jim started his career in broadcasting, and he still has the voice. We've got a lot to talk about today! [:54] RIMS-CRMP Prep Workshops! The next RIMS CRMP Prep Workshops will be held on October 29th and 30th and led by John Button. [1:06] The next RIMS-CRMP-FED Virtual Workshop will be held on November 11th and 12th and led by Joseph Mayo. Links to these courses can be found through the Certifications page of RIMS.org and through this episode's show notes. [1:23] RIMS Virtual Workshops! RIMS has launched a new course, “Intro to ERM for Senior Leaders.” It will be held again on November 4th and 5th and will be led by Elise Farnham. [1:39] On November 11th and 12th, Chris Hansen will lead “Fundamentals of Insurance”. It features everything you've always wanted to know about insurance but were afraid to ask. Fear not; ask Chris Hansen! RIMS members always enjoy deep discounts on virtual workshops! [1:58] The full schedule of virtual workshops can be found on the RIMS.org/education and RIMS.org/education/online-learning pages. A link is also in this episode's notes. [2:09] Several RIMS Webinars are being hosted this Fall. On October 9th, Global Risk Consultants returns to deliver “Natural Hazards: A Data-Driven Guide to Improving Resilience and Risk Financing Outcomes”. [2:22] On October 16th, Zurich returns to deliver “Jury Dynamics: How Juries Shape Today's Legal Landscape”. On October 30th, Swiss Re will present “Parametric Insurance: Providing Financial Certainty in Uncertain Times”. [2:39] On November 6th, HUB will present “Geopolitical Whiplash — Building Resilient Global Risk Programs in an Unstable World”. Register at RIMS.org/Webinars. [2:51] We're very excited that today is International Podcast Day! Before we celebrate, I wanted to take a moment to acknowledge and mourn the passing of Todd Cochrane. Todd was a podcast pioneer. [3:06] I've linked in this episode's show notes to a wonderful obituary from Podnews®, about his career, starting with his time in the Navy up to launching his own podcast, and writing Podcasting: The Do It Yourself Guide, from Wiley Publishing in 2005. [3:25] Over the last couple of months, I've had the pleasure of communicating with Todd over email for the Podcast Awards, and it was only last week that I saw the unfortunate news of his passing, which occurred suddenly on September 8th. [3:30] Our condolences go out to his family, friends, and the greater podcasting industry. [3:47] On with the show! This is our special International Podcast Day episode, and I am delighted to be joined by James Swanke, the Director of the Risk Management and Insurance MBA Program at the Wisconsin School of Business at the University of Wisconsin-Madison. [4:06] Jim spent four decades at WTW, specializing in financial and strategic planning issues, as well as captive insurance company design. [4:18] Jim was recently quoted in a new professional report, available on the RIMS Risk Knowledge page, and sponsored by LineSlip Solutions, titled “The Future of Captive Insurance: Governance, Technology, and Performance Optimization.” [4:32] Jim got his start at the University of Wisconsin in broadcasting. We're going to talk about his career path and how being a disc jockey led him to where he is today, educating the next generation of risk professionals. Let's get to it! [4:50] Interview! Jim Swanke, welcome to RIMScast! [5:38] When Jim was in high school, he competed in forensics, in extemporaneous speaking. He did very well. He did well at the University of Wisconsin-Madison, and it got put in the newspaper. WLDY, in Ladysmith, Wisconsin, saw it in the newspaper and contacted him. [6:03] They were looking for a radio jock to “spin vinyls,” do some DJing, and read sports and news. That job helped Jim get into the University of Wisconsin-Madison. [6:21] Jim studied actuarial science and risk management. He went into the Bachelor's program, the MBA program, and the graduate program in risk management, insurance, and corporate finance. [6:40] Jim was hired by the Wyatt Company and did lots of feasibility studies. After 42 years at Willis Towers Watson, he retired. Now he teaches at the University of Wisconsin-Madison. [6:57] Broadcasting set Jim on his path. He says that everything about what we do in the captive and risk management area is about communication. If you're not communicating, listening, helping out, and building stuff, you're not going to be a success. [7:28] When Jim was a DJ at WLDY, they played different kinds of music. On Sundays, he played polka music. On Saturdays, it was country western, and Monday through Friday, it was rock music. Rock music is what he enjoys. At the top of every hour, he did the news and weather. [8:13] Justin recalls his own career. He was just waiting for podcasting to be invented, then he was able to make it all work out. [8:31] Jim worked with captives at Willis Towers Watson. He is quoted in a new LineSlip paper, “The Future of Captive Insurance: Governance, Technology, and Performance Optimization.” Justin saw his name there and thought it would be good to have him on RIMScast. [8:53] Jim described captives as a lifeline during extreme market conditions, comparing today's hard market to the turbulence of the 1980s. Jim tells what makes captives effective under hard conditions. Captives allow organizations to control their own destiny. [9:20] When you're in a hard market, having a captive allows you to take premiums that you normally pay to a commercial insurance carrier and put them into your captive insurance company. A captive is a subsidiary of the captive owner. [9:41] Most of the Fortune 500 companies in the United States have a captive. It allows them to arbitrage whatever's going on in the insurance marketplace. When we're having a difficult market, they put more of their premiums into the captive and rely on the captive more. [9:58] When the market softens, carriers may provide insurance at premiums that are lower than the expected losses. Organizations will buy commercial insurance all the time when the premiums are less than their projected losses. [10:14] Depending on where it is in the market, a captive has a role in an organization's risk management program. [10:27] Jim says a lot of organizations have looked to captives since 2020. We were in the midst of the pandemic, with all kinds of economic hardship. The insurance industry was in despair, as well. A lot of insurance companies cut back on the limits they were willing to offer. [10:49] Insurance companies put additional exclusions onto their insurance, so organizations had to rely on their own sophisticated ways of financing their losses. If they hadn't set up a captive, they set up a captive. If they had a captive in the past, they re-engineered it to do more. [11:15] They also used their captives to access the reinsurance marketplace. Reinsurance is insurance for insurance companies. A captive can be used as a platform to access reinsurers. [11:37] Even in difficult markets, having reinsurers involved created more competition, provided more limits, and there was more flexibility in the coverage terms. [11:48] That was when the pandemic was going on, which triggered the hardening of the market and the lack of availability of insurance. Organizations with captives relied on them and did more. Organizations without captives had captive feasibility studies done and formed captives. [12:09] Jim says the CEO of a captive should be a senior person who will monitor what's going on, fairly senior in the organization. It's not a full-time position. It takes three or four hours a month, plus board meetings. [12:46] A captive is required to have a captive manager, who is an accountant. They keep the books and interface for the captive with the regulator. The President or CEO of the captive relies on the captive manager to do a lot of the daily work. [13:09] Jim says you need a senior person involved so people take the captive seriously. The senior person is going to be the driver in reducing the severity of loss through loss prevention and loss reduction. Having a senior person is so important to the success of the captive. [13:40] There are lots of considerations when you're looking to make changes to your captive. Changes could include adding emerging types of risks, like cyber risk. If you're a hospital, a lot of medical malpractice captives have been hugely successful and have grown surplus. [14:08] Healthcare institutions are passing on some of their capitated risk exposures into their captives because they've done quite well with their medical malpractice. These risks are not correlated with each other, so there is a diversification benefit. [14:22] As you look to make these changes, you need to look at increasing risk assumptions, different attachment points on reinsurance, and changing your investment policy. You have lots of levers, and if you make changes, you need to analyze what the impact will be on your captive. [14:52] Jim talks about leaning into technology. Before 9/11, we didn't have the sophisticated software we've created in the last few years. [15:06] To look at covering all the possibilities and changing your captives, from adding new coverages to reinsurance reattachment points, was a monumental amount of actuarial work to figure out how to optimize your captive. [15:19] Recently developed software looks at all the possibilities in terms of changing your captive to optimize what you're doing. 20 years ago, Jim would spend months doing the actuarial work, working with an investment bank and charging them heavy fees. [15:39] Now, with new software, what took Jim months and months to do can be done in a matter of two to three days. The productivity today, in terms of optimizing your captive, is far greater than it was 20 years ago, because of the software that has been developed. [15:55] Jim likes that the software looks at all the risks and how these risks interact with one another. Looking at risks in a captive holistically is very important because many of these risks are hardly correlated with one another. [16:15] Looking at risks holistically, you can figure out the diversification benefit of having all of these risks within your captive, which has a major impact on the amount of economic capital that your captive will need to maintain. This software has been a game-changer. [16:34] RIMS Events! On October 1st through the 3rd, the RIMS Western Regional Conference will be held in North San Jose at the Santa Clara Marriott. The agenda is live. It looks fantastic! Visit RIMSWesternRegional.com and register today! [16:55] On November 17th and 18th, join us in Seattle, Washington, for the RIMS ERM Conference 2025. The agenda is live. Check out Episode 357 for Justin's dialogue with ERM Conference Keynote Presenter Dan Chuparkoff on AI and the future of risk. [17:14] Visit the Events page of RIMS.org to register. [17:17] RISKWORLD 2026 will be in Philadelphia, Pennsylvania, from May 3rd through May 6th. RIMS members can now lock in the 2025 rate for a full conference pass to RISKWORLD 2026 when you register by September 30th! [17:32] This also lets you enjoy earlier access to the RISKWORLD hotel block. Register by September 30th, and you will also be entered to win a $500 raffle! Do not miss out on this chance to plan and score some of these extra perks! [17:46] The members-only registration link is on this episode's show notes. If you are not yet a member, this is the time to join us! Visit RIMS.org/Membership and build your network with us here at RIMS! [17:56] If you are listening to RIMScast on our broadcast day, that means today is September 30th. It is last call for registration at the Earlybird rate! [18:08] In the spirit of it being September 30th, which is International Podcast Day, let's return to our interview with Jim Swanke! [18:22] Jim is the Director of the Risk Management and Insurance MBA at the University of Wisconsin-Madison. The curriculum includes technology, AI, and automation. In his classes, Jim is using the new software he discussed earlier. [18:46] Jim taught a class the day before on the principles of risk management. He talked about how risks are interrelated with each other and how you need to analyze them holistically, figuring out how they are correlated, not in siloes. [19:13] The holistic view will give you the best answer in terms of the economic capital that will be required to put into your captive. If you're analyzing risks silo by silo for each risk, that will lead you to having more economic capital in your captive than you need. [19:35] Jim has learned, in 42 years of consulting, that the CFOs in these organizations don't want to trap cash in their captives. Teaching this software to this new generation of students, they will be able to step into the roles of captive managers that the industry will need. [20:07] We're at the tip of the iceberg with AI. We're still learning in Academia what the power of AI is going to be. Jim foresees AI being very important in handling claims and in underwriting. [20:30] AI will allow commercial insurance companies to have a better way of doing their pricing and making decisions on whether or not risks should be accepted. It will also be beneficial to captives. [20:43] Jim thinks AI will advance the technology far ahead. We're just beginning to touch on some of the advantages within the insurance industry and within captives. [21:05] Jim started teaching in 2011. When University of Wisconsin-Madison Professor Dan Anderson retired, Jim was chosen to teach a class on sustainability that was started by Professor Anderson. He has taught it since 2011. [21:41] At the time, some students did not think anything was going on with climate change. A couple of students stood up in class and said all of this was just made up. It was a fantasy. [22:03] Today, when Jim goes into class, students are there a half-hour early and stay late. They are very connected and working together to figure out how to reduce CO2 emissions to slow down the heating of the planet and the extreme weather events that are coming more often. [22:24] The class has evolved over the years, and the students are more engaged than they ever have been. [22:33] The students from the University of Wisconsin-Madison were the winners of the Spencer-RIMS Risk Management Challenge at RISKWORLD 2025 in Chicago. Jim knows all of those students and had a couple of them in his class yesterday. [23:04] The students won with the Huntington, West Virginia case study, a six-month project. Huntington is on the Ohio River, and with extreme weather events, flooding has become a big issue in that community. They competed with students around the world to solve the issue. [23:49] Each school's team came up with things that could be done and conducted an analysis on what they thought was the best way of handling it. The University of Wisconsin-Madison's team focused on resiliency with levees and dikes to hold back the flooding. [24:27] The four Wisconsin students presented their paper and won, out of 61 schools competing. The University of Wisconsin-Madison received $10K. The second-place university, DePaul, received $7.5K, and the third-place school, IIRM Hyderabad (past year winner), got $5K. [25:04] The University of Wisconsin-Madison team entered two other contests last year and won them both. The CICA Captive competition involved case studies around Kaneka captives. It required an essay and a PowerPoint deck. [25:52] The MBA students entered the A.M. Best competition for insurance solutions to a global issue. The students used a combination of parametric and indemnity triggers to provide insurance to the disadvantaged in the Caribbean and Latin America. [26:23] If there was hurricane damage, it would trigger a parametric to allow an amount of money to be paid immediately to these disadvantaged families. Then there would be the indemnity insurance that would look at the actual losses and true them up to the loss amount. [26:49] It involved the combination of parametrics and conventional indemnity insurance, which was noteworthy and probably pushed the team over the top. [27:11] The professor who was the advisor in the Spencer Challenge is Carl Barlett. Carl is an attorney by training, and he has the energy to work with bachelor's students. He's graduated hundreds of people out of his program over the last four or five years. [27:59] The University has Career Fairs where 60 or 70 companies will come to meet with students. That's a credit to Carl. Not a lot of companies will come to a university to meet with students. Because of the program he put together, lots of organizations want to hire students. [28:21] The University of Wisconsin-Madison business school is typically ranked number 1. [28:31] A Final Break! The Spencer Educational Foundation's goal to help build a talent pipeline of risk management and insurance professionals is achieved, in part, by its collaboration with risk management and insurance educators across the U.S. and Canada. [28:50] Since 1999, Spencer has awarded over $2.9 million to create more than 570 Risk Management Internships. The Internship Grants application process is now open through October 15th, 2025. [29:06] To be eligible, risk managers must be based in the U.S., Canada, or Bermuda. A link to the Internship Grants page is in this episode's show notes. You can always visit SpencerEd.org, as well. [29:19] Let's Get Back to Our Interview with Jim Swanke of the University of Wisconsin-Madison! [29:46] Jim tells his students that we don't know today what the emerging risks are going to be. What we need to do is design our risk management program and keep our eyes and ears open to what is going to happen next. [30:04] Jim cites The Black Swan, by Nassim Nicholas Taleb. It gets into what we need to do as people of risk management and societies to try to identify the emerging risks that will impact us going forward. [30:21] In risk management, we look at the past to try to project what's going to happen in the future. We were caught by the pandemic. Very little business interruption insurance was offered. If we had been forward-thinking, we would have thought about coverages for the emerging risks. [31:19] An emerging risk after 9/11 was that insurance companies put exclusions on their insurance policies, excluding terrorism. The Federal Government passed the Terrorism Risk Insurance Act (TRIA) and offered it as a backstop to insurance companies. [31:55] Anybody with a captive could access that reinsurance through the U.S. Treasury, using their captive insurance company. [32:23] Jim sees more employee benefits going into captives. The advantages you have in the P&C area are also in place for employee benefits. Organizations with large workers' compensation self-insurance programs are putting excess workers' compensation into captives. [32:57] Jim says you need to be nimble and on your toes. Emerging risks are going to come out over the next 10 to 15 or 20 years. Keep your eyes and ears open so when they emerge, you can deal with them to reduce the frequency and severity of loss and see how to finance them. [33:19] Jim highly recommends reading The Black Swan. It's a good way to begin to think about how you should think about emerging risks. [33:42] Jim says school is going really well. One thing he noticed this year is the diverse nature of his students. There are more disciplines within the risk management area that people are interested in. [33:56] In class recently, Jim had a group that was in the investment banking area, a group that was in HR, and a couple of students from China. There was a broad diversity in the class. [34:16] It enriches the conversation to have people coming from different places with different backgrounds and different educational experiences. It shows the power of having diversity in the classroom. It's exciting. [34:32] The class will write papers on Enterprise Risk Management and talk about captives, and more. They'll compete in the CICA Captive Competition again, to maintain their number one rating there! They're off to a great start! It's nice to see students so highly energized! [34:53] Jim says the future is bright with the students graduating from the Wisconsin School of Business at the University of Wisconsin-Madison. [35:22] Justin and others have liked Jim's broadcasting voice. Jim thanks Justin for commenting on it. [35:55] Jim's time as a DJ was 50 years ago. He recalls two or three instances of hot mikes, when some of the FCC's seven deadly words may have been spoken. He says nobody wants that, but it was a real learning experience. [36:29] Jim recalls when the studio tower was hit by lightning. Jim was alone in the radio station when it happened. Lightning bolts were flying around the building after the tower got hit. The station went off the air, and Jim had to figure out a way to put it back on the air. [36:58] Jim highly recommends to young people, if you get an opportunity to get involved with radio or TV, give it a shot, because it's a lot of fun! Justin ties it to podcasting and video blogging. [37:42] Jim likes all the music of 1976 and didn't have a favorite album. He likes Deep Purple and Bob Seger. He says there's no better songwriter than Bob Seger. There was a diversity of good music going out at that time. It was a wonderful time to be working in a radio station. [38:47] Justin is a father of two young people under 12 who like to listen to classic rock. “Dancing in the Moonlight,” by King Harvest, is a greatest hit in the family. They love Van Morrison. [39:56] On the subject of podcasting, Jim thinks there is an opportunity to develop content that helps the everyday American with their personal insurances, like homeowners, auto, health, life, and how they buy their insurances. [40:45] In class recently, the MBA students, the brightest and best, designing plans for New York investment banks and worldwide financial institutions, told Jim that they had questions about what to buy in auto policies and homeowners policies. [41:07] Jim states that an insurance podcast for the everyday American is something the industry needs to be doing. Justin suggests that members of the global RIMScast audience could pick up the baton and get to work! [41:27] Maybe it becomes part of the coursework for a class like Jim's. It could be part of a challenge, like the Spencer-RIMS Risk Management Challenge. [41:48] Jim says being able to talk about this with graduate students gives them some familiarity with what risk is, in terms of the instability of results. They can relate to it because they need to buy an auto policy or a homeowners policy. [42:03] While these coverages don't match up perfectly with what's going on in the commercial insurance marketplace, learning about them gives students a sense of what insurance is about, what risk management is about, and how to reduce the frequency and severity of losses. [42:22] Jim, it has been such a pleasure to speak with you and to pick your brain on risk management education, broadcasting, and music! Thank you so much for joining us here on RIMScast! [42:33] Good luck to you and your students at the University of Wisconsin-Madison, as you look to the 2026 competitions. I can only imagine they're going to do great things! [42:58] Special thanks again to Jim Swanke for joining us here on RIMScast! For more information, check out the links in this episode's show notes. [43:06] Remember to check out “The Future of Captive Insurance: Governance, Technology, and Performance Optimization”, a Professional Report sponsored by LineSlip. It is available through the Risk Knowledge Page of RIMS.org. That link is also in this episode's show notes. [43:22] The paper features a lot of Jim's fascinating perspective and insights on captives. [43:28] Plug Time! You can sponsor a RIMScast episode for this, our weekly show, or a dedicated episode. Links to sponsored episodes are in the show notes. [43:56] RIMScast has a global audience of risk and insurance professionals, legal professionals, students, business leaders, C-Suite executives, and more. Let's collaborate and help you reach them! Contact pd@rims.org for more information. [44:14] 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. [44:33] 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. [44:48] 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. [45:02] Justin Smulison is the Business Content Manager at RIMS. Please remember to subscribe to RIMScast on your favorite podcasting app. You can email us at Content@RIMS.org. [45:15] Practice good risk management, stay safe, and thank you again for your continuous support!   Links: RIMS ERM Conference 2025 — Nov. 17‒18 Spencer Internship Program — Registration Open Through Oct. 15. RIMS Western Regional — Oct 1‒3 | Bay Area, California | Registration open! RISKWORLD 2026 — Members-only early registration through Sept 30! — Last Call! RIMS-Certified Risk Management Professional (RIMS-CRMP) The Strategic and Enterprise Risk Center RIMS-CRO Certificate in Advanced Enterprise Risk Management — Featuring Instructor James Lam! Next bi-weekly course begins Oct 9. RIMS Diversity Equity Inclusion Council RISK PAC | RIMS Advocacy | RIMS Legislative Summit SAVE THE DATE — March 18‒19, 2026 RIMS Risk Management magazine | Contribute RIMS Now “The Future of Captive Insurance: Governance, Technology, and Performance Optimization” — Professional Report, Sponsored by LineSlip | Featuring insight from James Swanke University of Wisconsin-Madison Wins 2025 Spencer-RIMS Risk Management Challenge Internationalpodcastday.com Obituary for Podcasting Trailblazer Todd Cochrane RIMS Webinars: RIMS.org/Webinars “Natural Hazards: A Data-Driven Guide to Improving Resilience and Risk Financing Outcomes” | Oct. 9 | Sponsored by Global Risk Consultants “Jury Dynamics: How Juries Shape Today's Legal Landscape” | Oct. 16, 2025 | Sponsored by Zurich “Parametric Insurance: Providing Financial Certainty in Uncertain Times” | Oct. 30, 2025 | Sponsored by Swiss Re “Geopolitical Whiplash — Building Resilient Global Risk Programs in an Unstable World” | Nov. 6 | Sponsored by HUB   Upcoming RIMS-CRMP Prep Virtual Workshops: RIMS-CRMP Virtual Exam Prep — Oct. 29‒30, 2025 RIMS-CRMP-FED Exam Prep Virtual Workshop — November 11‒12 Full RIMS-CRMP Prep Course Schedule Risk Appetite Management | Oct 22‒23 | Instructor: Ken Baker Intro to ERM for Senior Leaders | Nov. 4‒5 | Instructor: Elise Farnham Fundamentals of Insurance | Nov. 11‒12 | Instructor: Chris Hansen Leveraging Data and Analytics for Continuous Risk Management (Part I) | Dec 4. See the full calendar of RIMS Virtual Workshops RIMS-CRMP Prep Workshops   Related RIMScast Episodes about Education, Risk Talent, and Captives: “Risk Management Momentum with Lockton U.S. President Tim Ryan” “RIMS 2025 Risk Manager of the Year, Jennifer Pack”   Sponsored RIMScast Episodes: “The New Reality of Risk Engineering: From Code Compliance to Resilience” | Sponsored by AXA XL (New!) “Change Management: AI's Role in Loss Control and Property Insurance” | Sponsored by Global Risk Consultants, a TÜV SÜD Company “Demystifying Multinational Fronting Insurance Programs” | Sponsored by Zurich “Understanding Third-Party Litigation Funding” | Sponsored by Zurich “What Risk Managers Can Learn From School Shootings” | Sponsored by Merrill Herzog “Simplifying the Challenges of OSHA Recordkeeping” | Sponsored by Medcor “Risk Management in a Changing World: A Deep Dive into AXA's 2024 Future Risks Report” | Sponsored by AXA XL “How Insurance Builds Resilience Against An Active Assailant Attack” | Sponsored by Merrill Herzog “Third-Party and Cyber Risk Management Tips” | Sponsored by Alliant “RMIS Innovation with Archer” | Sponsored by Archer “Navigating Commercial Property Risks with Captives” | Sponsored by Zurich “Breaking Down Silos: AXA XL's New Approach to Casualty Insurance” | Sponsored by AXA XL “Weathering Today's Property Claims Management Challenges” | Sponsored by AXA XL “Storm Prep 2024: The Growing Impact of Convective Storms and Hail” | Sponsored by Global Risk Consultants, a TÜV SÜD Company “Partnering Against Cyberrisk” | Sponsored by AXA XL “Harnessing the Power of Data and Analytics for Effective Risk Management” | Sponsored by Marsh “Accident Prevention — The Winning Formula For Construction and Insurance” | Sponsored by Otoos “Platinum Protection: Underwriting and Risk Engineering's Role in Protecting Commercial Properties” | Sponsored by AXA XL “Elevating RMIS — The Archer Way” | Sponsored by Archer   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) RISK PAC | RIMS Advocacy RIMS Strategic & Enterprise Risk Center RIMS-CRMP Stories — Featuring RIMS President Kristen Peed!   RIMS Events, Education, and Services: RIMS Risk Maturity Model®   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 guest: James Swanke, Lecturer: Risk and Insurance at the University of Wisconsin-Madison's Wisconsin School of Business, Director of the Risk Management and Insurance MBA program Production and engineering provided by Podfly.  

Are you making retirement decisions based on outdated rules or generic advice? Ryan Herbert and Lawrence Kiely dive into Kiplinger’s Five Golden Rules of Retirement Planning, revealing why lifetime income, liquid savings, risk management, tax efficiency, and legacy planning must work together. They explain why diversification goes beyond mutual funds, why withdrawal-based plans can fail, and how adaptability is crucial for your financial future. Want to begin building your retirement and tax plan? Schedule a 15-minute call with us here:

In this episode of the Crypto 101 podcast, Bryce and Brendan interview Patrick Wood, CEO of DelphX, a company innovating in the structured credit space for crypto treasuries. Patrick shares his extensive background in capital markets and how he transitioned into the crypto world. The conversation delves into the unique hedging solutions DelphX offers for institutional investors holding significant crypto assets, addressing the risks associated with volatility and counterparty exposure. Patrick discusses the future of Bitcoin and the impact of treasury companies on the crypto ecosystem, emphasizing the importance of collateralization and risk management. The episode concludes with insights on market dynamics and the potential for a new bull market in crypto.Efani Sim Swap Protection: Get $99 Off: http://efani.com/crypto101Check out Plus500: https://plus500.comCheck out Gemini Exchange: https://gemini.com/cardThe Gemini Credit Card is issued by WebBank. In order to qualify for the $200 crypto intro bonus, you must spend $3,000 in your first 90 days. Terms Apply. Some exclusions apply to instant rewards in which rewards are deposited when the transaction posts. This content is not investment advice and trading crypto involves risk. For more details on rates, fees, and other cost information, see Rates & Fees. The Gemini Credit Card may not be used to make gambling-related purchases.Get immediate access to my entire crypto portfolio for just $1.00 today! https://www.crypto101insider.com/cryptnation-directm6pypcy1?utm_source=Internal&utm_medium=YouTube&utm_content=Podcast&utm_term=DescriptionGet your FREE copy of "Crypto Revolution" and start making big profits from buying, selling, and trading cryptocurrency today: http://www.cryptorevolution.com/free?utm_source=Internal&utm_medium=YouTube&utm_content=Podcast&utm_term=DescriptionChapters00:00 Introduction to DelphX and Patrick Woods01:31 Patrick's Journey into Crypto and Structured Credit03:17 Innovative Hedging Solutions for Crypto Treasuries07:35 The Role of Institutional Products in Crypto11:51 Market Dynamics and the Future of Bitcoin Volatility17:23 The Impact of Treasury Companies on the Crypto Ecosystem23:34 Risk Management and the Importance of Collateralization31:46 Looking Ahead: The Future of Crypto and Market PredictionsMERCH STOREhttps://cryptorevolutionmerch.com/Subscribe to YouTube for Exclusive Content:https://www.youtube.com/@crypto101podcast?sub_confirmation=1Follow us on social media for leading-edge crypto updates and trade alerts:https://twitter.com/Crypto101Podhttps://instagram.com/crypto_101Guest Linkhttps://www.delphx.com/https://x.com/DelphX_*This is NOT financial, tax, or legal advice*Boardwalk Flock LLC. All Rights Reserved  ▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬Fog by DIZARO https://soundcloud.com/dizarofrCreative Commons — Attribution-NoDerivs 3.0 Unported — CC BY-ND 3.0 Free Download / Stream: http://bit.ly/Fog-DIZAROMusic promoted by Audio Library https://youtu.be/lAfbjt_rmE8▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬Advertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

This episode of The Drop-In CEO features a conversation with Kerim Kfuri, President and CEO of the Atlas Network, who shares his journey from a global upbringing to leading innovation in supply chain management. Kerim and host Deb Coviello discuss the complexities of modern supply chains, the impact of tariffs, the importance of agility and risk management, and how technology and mindset shape business resilience. Episode Highlights Kerim’s Global Upbringing and Entrepreneurial Journey [12:13]Kerim shares how his multicultural background and early entrepreneurial spirit shaped his approach to business and supply chain leadership. The Five Ways to Navigate Tariffs [31:15]Kerim breaks down five strategies for managing tariffs, including absorption, deferral, terms and conditions, cost re-engineering, and alternative supply chains. The Importance of Agility and Risk Management in Supply Chains [41:08]Discussion on how leaders can stress-test their supply chains, prepare for disruptions, and the value of contingency planning. Global Interconnectedness and Resilience [45:28]Kerim emphasizes the need for communication, cultural respect, and adaptability in a global economy, and how to become “disruption proof.” About Kerim: Kerim Antoine Kfuri is a leader in global supply chain innovation and media. As co-host of the Supply & Demand podcast, he brings together industry professionals to discuss trends, challenges, and opportunities shaping the future of supply chain management. With a focus on fostering dialogue and community, Kerim shares insights that drive progress and transformation. He is also the founder of The Atlas Network, a trusted partner for businesses worldwide, offering consulting, logistics, and risk mitigation services. Kerim’s visionary leadership reflects his commitment to excellence, resilience, and creating value in an ever-evolving marketplace. Connect with Kerim: Company Website: https://kerimkfuri.com/ LinkedIn: https://www.linkedin.com/in/kerimkfuri/ YouTube: https://www.youtube.com/@Kerim-Kfuri For more information about my services or if you just want to connect and have a chat, reach out at: https://dropinceo.com/contact/See omnystudio.com/listener for privacy information.

A recent case filed by the U.S. Department of Justice (DOJ) reveals how an insider was able to detect fraud in a large managed care organization (MCO).Although the topic of medical loss ratio (MLR) might be arcane to some, when the subject involves millions of dollars of potential fraud, it quickly becomes a large blip on the government's fraud detection radar.More on this topic will be reported during the next live edition of Monitor Mondays. That's when whistleblower attorney Max Voldman returns to the long-running Internet broadcast to report on how a payer, Inland Empire Health Plan, miscalculated its MLR in a scheme to rebate less money to the government than to which it was legally obligated.The weekly broadcast will also include these instantly recognizable features:• Monday Rounds: Ronald Hirsch, MD, vice president of R1 RCM, will be making his Monday Rounds.• The RAC Report: Healthcare attorney Knicole Emanuel, partner at the law firm of Nelson Mullins, will report the latest news about auditors.• Risky Business: Healthcare attorney David Glaser, shareholder in the law offices of Fredrikson & Byron, will join the broadcast with his trademark segment.• Legislative Update: Cate Brantley, senior legislative affairs analyst for Zelis, will report on the news happening at the intersection of healthcare and congressional action.

In this episode team CiCP digs into the practical lessons from recent politically-motivated attacks and what they mean for protectors, event planners, and organizations. Chuck and Chris cover defense-in-depth at open-air events, the limits of crowd control, and why protective intelligence and thorough advance work (sector sketches, Google Earth, rehearsals) are now mission-critical. Chuck and Chris also talk communications — how to build a business case for security spend — and the real operational tradeoffs teams face when budgets are tight. Join CiCP as they analyze the risks, challenges, and strategies that security professionals must navigate to stay ahead in an increasingly volatile world. Connect with the team at protectiontalk@outlook.com

In this episode, Ricardo introduces the concept of nano projects: ultra-short, highly focused initiatives lasting just a few days, designed to generate value quickly. Unlike megaprojects, which require months or years, nano projects respond to the need for speed and adaptation in a fast-paced world. Examples include testing a marketing channel in five days, redesigning hospital processes in a week, or running rapid pilots in the public sector. Their advantages include low risk, rapid learning, and greater team engagement, as results are quickly seen. However, they require a well-defined scope, discipline, and attention to quality. Ricardo emphasizes that they complement traditional models, helping to reduce uncertainty and stimulate innovation in short cycles. Listen to the podcast to learn more!

Neste episódio, Ricardo apresenta o conceito de nano projetos, iniciativas ultracurtas, com foco extremo e duração de poucos dias, criadas para gerar valor rapidamente. Diferente dos megaprojetos, que exigem meses ou anos, os nano projetos respondem à necessidade de velocidade e adaptação em um mundo acelerado. Exemplos incluem testar um canal de marketing em cinco dias, redesenhar processos hospitalares em uma semana ou executar pilotos rápidos no setor público. Suas vantagens são: baixo risco, aprendizado rápido e maior engajamento da equipe, já que os resultados aparecem rapidamente. Contudo, exigem escopo bem definido, disciplina e atenção à qualidade. Ricardo destaca que eles complementam os modelos tradicionais, ajudando a reduzir incertezas e estimulando a inovação em ciclos curtos. Escute o podcast para saber mais!

Looking for more DTP Content? Check us our here: www.thereadinesslab.com/dtp-linksIn Part 2 of this three-part series, host John Scardena continues his conversation with Jim Balthazar, drawing on Jim's background in law enforcement, ATF Special Response Teams, and faith-based security leadership to unpack lessons from high-profile incidents and what they mean for community safety today.Topics Covered in Part 2The Charlie Kirk incident — rooftop vulnerabilities, the difference between local security resources and federal protective standards, and how evolving threats require new approaches such as counter-sniper teams, drones for observation, and protective design changes.Historical parallels — from JFK to modern-day open-air events, how notoriety and visibility create unique risks.Schools and safety drills — why “run, hide, fight” isn't always effective, the role of barricading, and why empowerment strategies can make a difference for students and staff.The role of parents and families — parents as the first line of defense, age-appropriate conversations with children, and the importance of monitoring online influences.Mitigation and risk management — balancing statistical rarity with catastrophic impact, and how organizations can prepare without creating paranoia.Key TakeawaysHigh-profile figures and open-air venues face unique risks that demand proactive security planning.Statistically rare events can still have catastrophic consequences, making risk management essential.Training and age-appropriate preparation for schools and families are more effective than fear-based approaches.Parents play a critical role in monitoring, guiding, and shaping safe environments for kids.Security must adapt as threats evolve — from rooftops to classrooms to community gatherings.Part One: Leadership in the FieldPart Three: Church SecurityMajor Endorsements: ImpulseBleeding Control Kits by Professionals for Professionalshttps://www.impulsekits.com Doberman Emergency Management Subject matter experts in assessments, planning and training https://www.dobermanemg.com The Readiness Lab Trailblazing Disaster Readiness through podcasts, outreach, marketing, and interactive eventshttps://www.thereadinesslab.com For Sponsorship Requests contact@thereadinesslab.com 314-400-8848 Ext 2#DisasterToughPodcast #EmergencyManagement #CrisisLeadership #DisasterResponse #ActiveShooterAwareness #PublicSafety #Resilience #SchoolSafety #IncidentCommand #SecurityLeadership #RiskManagement #CharlieKirk #UVU #ChurchSecurity

“Distributed chemical sensing really is the next frontier in fiber-optic monitoring. It adds a new dimension by directly connecting chemical changes in the environment to signals we can read.” Distributed chemical sensing (DCS) is an emerging technology that utilizes fiber optics to measure chemical changes over long distances in real-time. Authors Christian Totland, Thomas Dylan Mikesell, and Peter James Thomas join host Andrew Geary to discuss their new paper, "Distributed chemical sensing: An unexplored frontier in urban, industrial, and environmental monitoring." Unlike traditional point sensors, which only capture data at one location, DCS has the potential to provide continuous chemical information with both high spatial and temporal resolution. This innovation could transform how we monitor pipelines, groundwater, and industrial sites, while also opening new opportunities for collaboration between geophysics, chemistry, and material science. KEY TAKEAWAYS > DCS can detect leaks, contamination, and chemical changes directly, offering more accurate monitoring than pressure or temperature proxies. > The technology is still in its early stages, which means there are many opportunities for research, innovation, and interdisciplinary collaboration. > If developed further, DCS could provide affordable, real-time monitoring for critical infrastructure and environmental systems worldwide. LINKS * Christian Totland, Thomas Dylan Mikesell, and Peter James Thomas, (2025), "Distributed chemical sensing: An unexplored frontier in urban, industrial, and environmental monitoring," The Leading Edge 44: 598–605. - https://doi.org/10.1190/tle44080598.1 * Learn more about this special section on urban and infrastructure geophysics - https://library.seg.org/doi/10.1190/tle44080587.1 * Listen to Haipeng Li's interview (also from this special section) - https://seg.org/podcasts/episode-271-the-low-cost-seismic-revolution-already-buried-in-your-city/

Modern digital supply chains are increasingly complex and vulnerable. In this episode of Security Matters, host David Puner is joined by Retsef Levi, professor of operations management at the MIT Sloan School of Management, to explore how organizations can “sense the signals” of hidden risks lurking within their software supply chains, from open source dependencies to third-party integrations and AI-driven automation.Professor Levi, a leading expert in cyber resilience and complex systems, explains why traditional prevention isn't enough and how attackers exploit unseen pathways to infiltrate even the most secure enterprises. The conversation covers the critical need for transparency, continuous monitoring, and rapid detection and recovery in an era where software is built from countless unknown components.Key topics include:How to sense early warning signs of supply chain attacksThe role of AI and automation in both risk and defenseBest practices for mapping and securing your digital ecosystemWhy resilience—not just prevention—must be at the core of your security strategyWhether you're a CISO, IT leader or security practitioner, this episode will help you rethink your approach to digital supply chain risk and prepare your organization for what's next.Subscribe to Security Matters for expert insights on identity security, cyber resilience and the evolving threat landscape.

In this episode, we talk with Heidi Baskfield, the founder of Speak Our Minds, an organization dedicated to addressing the youth mental health crisis in the United States. Baskfield talks about her journey from political advocacy to health leadership and the committed effort required to transform youth mental health care. Their conversation explores the overwhelming mental health needs of children and the insufficiency of existing resources, which led to the declaration of a state of emergency in Colorado regarding youth mental health. Baskfield outlies four principle aims that Speak Our Minds is focused on: building robust systems of care, bolstering prevention and early intervention, addressing disproportionate impact in communities, and supporting the mental health workforce. Movie - The Wait to Nowhere -  https://youtu.be/hPz9yywiQfU?si=L1Wx75Y3DNGZ6h-KWebsite - Speakourminds.org Feedback or episode ideas email the show at wnlpodcast@copic.comDisclaimer: Information provided in this podcast should not be relied upon for personal, medical, legal, or financial decisions and you should consult an appropriate professional for specific advice that pertains to your situation. Health care providers should exercise their professional judgment in connection with the provision of healthcare services. The information contained in this podcast is not intended to be, nor is it, a substitute for medical diagnosis, treatment, advice, or judgment relative to a patient's specific condition.

Send us a textWhat separates those who achieve lasting success from those who constantly chase quick fixes? The answer lies in understanding two fundamentally different approaches to goal achievement: the lottery ticket mindset versus the blueprint mindset.Most of us have fallen prey to the allure of overnight success—wishing to drop 20 pounds instantly, hoping a single social media post will make our business explode, or wanting financial security without the discipline of consistent planning. This lottery ticket thinking feels good momentarily, delivering dopamine hits similar to gambling wins, but ultimately leaves us stuck in cycles of temporary progress followed by regression.The blueprint mindset, by contrast, embraces the unsexy reality of sustainable achievement. It's about strategizing your controllable inputs, establishing meaningful checkpoints, and committing to consistent action regardless of how you feel on any given day. The horizon you choose fundamentally filters your behavior—when you adopt a long-term perspective, you naturally prioritize durability and commitment over quick fixes. As the saying goes, "Rome wasn't built in a day. Neither are you." Your results won't materialize overnight, but through the compounding effect of small, deliberate actions taken consistently over time. The blueprint approach may not always be exciting or fun, but as you strengthen your ability to follow through on commitments to yourself, you build an unshakable foundation for lasting transformation in any area of your life.Ready to shift from wishing for lottery-ticket outcomes to creating your success blueprint? Start by identifying one small, repeatable habit you can commit to for the next 30 days that aligns with your larger goals. Share this episode with a friend who might benefit from this mindset shift—after all, we all level up faster when surrounded by others committed to sustainable growth.Support the showThanks for listening & being part of the Mindset Cafe Community.----------------------------------------------Connect With Devan:https://www.devangonzalez.com/connect----------------------------------------------Follow On Instagram https://www.instagram.com/devan.gonzalez/https://www.instagram.com/mindsetcafepodcastLet me know what topics or questions you want covered so we can help you achieve your goals faster.----------------------------------------------P.S. If you're not already a part of the The Mindset Cafe Community Page I would love to have you be a part of the community, and spread your amazing knowledge. The page is to connect and network with other like minded people networking and furthering each other on our journeys!https://www.facebook.com/groups/themindsetcafe/

Ever wondered why companies like Airbnb, Spotify, and WeWork chose such different paths to the public markets? In this episode of Corporate Finance Explained on FinPod, we break down the three main ways companies go public: the traditional IPO, the disruptive Direct Listing, and the volatile SPAC.We'll unpack the mechanics, the trade-offs, and the key factors that drive a company's leadership to choose one door over the others.This episode covers:The IPO: The classic route for raising billions in capital, but we reveal the hidden costs and why it led to Airbnb's "money left on the table" problem.The Direct Listing: The cheaper, faster, and more transparent alternative. We explore why it was the perfect fit for companies like Spotify and Slack who wanted liquidity, not capital.The SPAC: The "wild west" of going public. We explain its appeal for speed and why it's a high-risk gamble that ultimately couldn't save WeWork's flawed business model.By the end of this episode, you'll be able to quickly analyze any public offering and understand the strategic choices behind it.

Roth conversions can save you thousands in taxes — but only if you know when and how to use them. On this BONUS EPISODE of Money Matters, Scott and Pat take listener calls that reveal the importance of strategy, trust, and risk management in retirement planning. They begin with a caller asking about complicated yield notes, sparking a discussion on portfolio risk management and why trusting the right financial advisor matters more than chasing products. Next, another listener wants to understand Roth conversions and Social Security timing — and Scott and Pat explain when Roth conversions make the most sense for long-term tax efficiency. Finally, a retired couple checks back in to share how they handled market volatility after following Scott and Pat's advice. Their story shows why portfolio risk management isn't just about protecting money — it's about protecting peace of mind. Join Money Matters:  Get your most pressing financial questions answered by Allworth's co-founders Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking here.  You can also be on the air by emailing Scott and Pat at questions@moneymatters.com. Download and rate our podcast here.

New Episode! Tell us your feedback! Is Your Company Safe From AI Attacks?This episode covers the intersection of artificial intelligence and cybersecurity, exploring how AI can be used for both protection and malicious purposes. We examine how AI is used to create advanced ai cybercrime and deep fakes, and the rising threat of social engineering attacks. Learn how ai cybersecurity can help defend against ai hackers and other emerging threats. Feeling Kind? Consider Supporting Our Channel by subscribing! Over 84% of viewers do not subscribe to our channel! 

In this episode of the Investor Fuel podcast, host Michelle Kesil speaks with Raamie Ibrahim, principal of D&T Consulting Corp, about the intricacies of investing and funding. Raamie shares his extensive experience in banking and how it informs his approach to helping investors navigate the complex landscape of funding options. The conversation covers the importance of understanding risk, strategic planning, and the need for ongoing evaluation of investments. Raamie emphasizes the significance of building strong relationships between investors and lenders to ensure successful outcomes.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true ‘white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a “mini-mastermind” with Mike and his private clients on an upcoming “Retreat”, either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas “Big H Ranch”? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

In this conversation, Wade Pfau, Alex Murguia and Bill Bengen discuss various aspects of retirement planning, focusing on risk management, asset allocation, and the implications of market conditions on withdrawal rates. Bengen shares insights on adjusting the traditional 4% rule based on current market valuations and inflation, emphasizing the importance of a diversified portfolio and the role of annuities. The discussion also covers the significance of sequence of returns risk and the potential benefits of rising equity glide paths in retirement strategies.   Takeaways A 65% stock allocation is recommended for retirees. Risk management involves adjusting asset allocations based on market conditions. The first 10 years of retirement are crucial for long-term success. Diversification is key to mitigating risks in retirement portfolios. Annuities can play a beneficial role in retirement income planning. Market valuations should influence withdrawal rate strategies. Rising equity glide paths may help manage sequence of returns risk. Monte Carlo simulations can provide insights but have limitations. The 4% rule may need adjustments based on current economic conditions. Retirement planning should consider both historical data and future projections.   Chapters 00:00 Replacing Micro Caps in Portfolios 00:25 Risk Management and Asset Allocation 01:32 The Role of Third-Party Advice in Portfolio Management 02:50 Navigating Market Swings and Timing Investments 03:41 Inflation and Asset Allocation Strategies 05:27 International vs. Domestic Equity Allocation 07:04 Historical vs. Projected Data in Retirement Planning 12:18 Understanding Sequence of Returns Risk 14:18 Adjusting Withdrawal Rates Based on Market Conditions 15:45 Exploring Rising Equity Glide Paths 23:29 Finding the Right Equity Allocation for Retirement 27:29 Adjusting Withdrawal Rates for Inflation and Market Valuations   Links    Get Bill Bengen's New Book – A Richer Retirement Want to dive deeper into the research behind the 4% rule and how retirement income planning has evolved? Bill Bengen's new book, A Richer Retirement, is now available—visit bengenfs.com to learn more and get your copy.

In this episode of the Real Estate Pros podcast, Lillian Chen, founder of Proptimal, discusses her journey from financial analyst to entrepreneur, focusing on providing institutional resources to everyday real estate investors. She highlights the gaps in knowledge and tools available to small and medium-sized developers and shares insights on the importance of understanding market dynamics, risk management, and the role of AI in real estate. Lillian also reflects on her experiences scaling her business and the common mistakes investors make.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true ‘white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a “mini-mastermind” with Mike and his private clients on an upcoming “Retreat”, either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas “Big H Ranch”? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

Financial freedom didn't come easy for Grant Cardone. Raised by a single mother after his father's early death, he saw firsthand how financial insecurity traps the middle class and vowed to break the cycle. Using unconventional strategies  like "storing money" instead of saving, living off passive income, and scaling investments, he built a multi-billion-dollar empire. In this episode, Grant shares how to grow wealth, maximize cash flow, and invest strategically to create a business that thrives in any economy. In this episode, Hala and Grant will discuss: (00:00) Introduction (01:15) His Childhood Struggles and Money Mindset (07:06) Why Saving Fails and Cash Flow Wins (12:17) Passive Income as the Key to True Wealth (19:44) Building an Unbreakable Business in a Recession (28:59) Strategies For Dominating Social Media (33:32) Investing in Social Media for Brand Growth (37:58) Grant's Morning Routine and Goal Setting Strategy? Grant Cardone is a serial entrepreneur, bestselling author, equity fund manager, real estate investor, and the CEO of Cardone Capital. He is the founder of the 10X Movement and leads seven privately held companies that generate $750 million annually. Known for his 10X Growth Conference and bold investment strategies, Grant has inspired entrepreneurs worldwide to think bigger and achieve financial freedom through smart financial planning. He has been recognized by Forbes as a top social media business influencer. Sponsored By: Airbnb - Find yourself a cohost at airbnb.com/host  Indeed - Get a $75 sponsored job credit to boost your job's visibility at Indeed.com/PROFITING  Shopify - Start your $1/month trial at Shopify.com/profiting.  Mercury - Streamline your banking and finances in one place. Learn more at mercury.com/profiting  Open Phone - Get 20% off your first 6 months at OpenPhone.com/profiting.  DeleteMe - Remove your personal data online. Get 20% off DeleteMe consumer plans at to joindeleteme.com/profiting  SKIMS - Shop SKIMS Fits Everybody collection at SKIMS.com  Policy Genius - Secure your family's future with Policygenius. Head to policygenius.com/profiting  Masterclass - Get an additional 15% off any annual membership at https://masterclass.com/profiting  BitDefender - Save 30% on your subscription at bitdefender.com/profiting  Resources Mentioned: YAP E368 with Grant Cardone:  Grant's Book, The 10X Rule: bit.ly/The_10XRule  Grant's Website: grantcardone.com Grant's LinkedIn: linkedin.com/in/grantcardone  Grant's Instagram: instagram.com/grantcardone  Active Deals - youngandprofiting.com/deals  Key YAP Links Reviews - ratethispodcast.com/yap YouTube - youtube.com/c/YoungandProfiting LinkedIn - linkedin.com/in/htaha/ Instagram - instagram.com/yapwithhala/ Social + Podcast Services: yapmedia.com Transcripts - youngandprofiting.com/episodes-new  Entrepreneurship, Entrepreneurship Podcast, Business, Business Podcast, Self Improvement, Self-Improvement, Personal Development, Starting a Business, Strategy, Investing, Sales, Selling, Psychology, Productivity, Entrepreneurs, AI, Artificial Intelligence, Technology, Marketing, Negotiation, Money, Finance, Side Hustle, Startup, Mental Health, Career, Leadership, Mindset, Health, Growth Mindset, Personal Finance, Stock Market, Scalability, Risk Management, Business Coaching, Finance Podcast 

Discover how a real estate investor builds a $20M portfolio with almost zero debt. In this episode, Jeff Cassell, a seasoned real estate professional, shares his strategic approach to building a substantial portfolio while minimizing risk and avoiding excessive debt. From leveraging seller financing to creatively structuring deals, Jeff reveals how he's been able to acquire valuable properties and scale his business with minimal financial exposure. Whether you're a new investor or an experienced entrepreneur, this episode offers valuable insights on how to grow wealth through real estate with a focus on creative financing and risk management.5 Key TakeawaysCreative Financing Techniques – Jeff highlights how he's used seller financing and other creative financing options to acquire properties with minimal debt.Building a Strong Foundation – The importance of understanding market fundamentals and building a solid foundation before scaling.Seller Financing as a Game Changer – Jeff explains how negotiating favorable seller financing terms allowed him to expand his portfolio without taking on large amounts of debt.Risk Management in Real Estate – Jeff shares how minimizing debt is a key factor in managing risk and protecting profits in any market.Scaling with Smart Acquisitions – He discusses how strategically acquiring undervalued properties and implementing value-add strategies helped him build his $20M portfolio.About Tim MaiTim Mai is a real estate investor, fund manager, mentor, and founder of HERO Mastermind for REI coaches.He has helped many real estate investors and coaches become millionaires. Tim continues to help busy professionals earn income and build wealth through passive investing.He is also a creative marketer and promoter with incredible knowledge and experience, which he freely shares. He has lifted himself from the aftermath of war, achieving technical expertise in computers, followed by investment success in real estate, management skills, and a lofty position among real estate educators and internet marketers.Tim is an industry leader who has acquired and exited well over $50 million worth of real estate and is currently an investor in over 2700 units of multifamily apartments.Connect with TimWebsite: Capital Raising PartyFacebook: Tim Mai | Capital Raising Nation Instagram: @timmaicomTwitter: @timmaiLinkedIn: Tim MaiYouTube: Tim Mai

A former competitive gamer, Mario Dimitroff from Bulgaria got his start on a local trading floor before discovering that the U.S. premarket session best fit his skills. Now trading for a living and doing nothing else, his news-driven, event-based scalping focuses on low-liquidity movers. Leveraging gaming-honed speed and pattern recognition, he quickly decides whether to ride momentum or fade to mean, enters/exits fast, sizes within liquidity, and sustains his edge by cutting losers quickly, avoiding drawdowns, and stacking small consistent wins. In this episode, you'll hear how Mario turned his competitive gaming instincts into an all-in commitment to the markets and full-time trading career. Links + Resources: Mario's YouTube Channel:  The Wall Street Cat - YouTube Sponsors of this episode of the Chat With Traders Podcast: Trade The Pool:  http://www.tradethepool.com TastyTrade:  http://tastytrade.com/podcasts Time Stamps: Please note: Exact times will vary depending on current ads. 01:30 Introduction and background 03:50 Early Experiences and Learning from Failure 07:38 Return to Trading During COVID-19 08:38 Working on a Trading Floor 10:51 Trading Strategies and Market Insights 11:14 Imposter Syndrome and Mental Challenges in Trading 14:57 Career Decisions and Trading Philosophy 18:49 Finding Trading Edge and Style 20:39 Scalping and Pre-Market Trading 21:40 Meme Stocks and Market Euphoria 24:07 Navigating Market Downturns 25:49 Understanding Euphoria and Market Psychology 43:54 Avoiding Drawdowns and Maintaining Profitability 45:48 Scalping Strategies and Risk Management 51:56 Biggest challenges as a trader 59:15 How to reach Mario 59:30 Chat With Tessa Trading Disclaimer: Trading in the financial markets involves a risk of loss. Podcast episodes and other content produced by Chat With Traders are for informational or educational purposes only and do not constitute trading or investment recommendations or advice. Learn more about your ad choices. Visit megaphone.fm/adchoices