Podcasts about Risk management

Melanie McLane joins this week's episode to discuss her upcoming course at Ohio REALTORS Convention and shares details about fiduciary duties, the most frequent claims against agents, misrepresentation and fraud, agency, fair housing, escrow and risk reduction.Full Description / Show NotesMelanie's history and career backgroundFiduciary duties agents owe clientsMost frequent claims against agentsFraud and misrepresentation risksEscrow risksAgency risksDifference between consumers and clientsWhat you should be prepared for when attending one of her classes

Is a 1% tax enough to change how corporate America returns billions of dollars to shareholders?In this episode of Corporate Finance Explained, we explore the economics of stock buybacks, the new federal 1% excise tax on share repurchases, and why capital allocation decisions can create enormous shareholder value or destroy it.Stock buybacks have become the dominant way companies return capital to investors, but not every repurchase creates value. We break down how buybacks affect earnings per share (EPS), why valuation matters, how the new buyback tax changes the math, and why companies like Apple and JPMorgan approach repurchases very differently than businesses that have made costly capital allocation mistakes.

The news story this week should cause us all to pause. Medical emergencies are a reality for which we should all be prepared. When an incredibly sad news story regarding a dental death occurs, we owe it to ourselves, our team, and our patients to pause and ensure that we are as prepared as we can possibly be. In an effort to remind us all, Dr. Kuba and Bethany have resurrected a recent episode regarding medical emergencies. Together they reflect on several REAL scenarios that recently occurred in the dental field. They discuss the appropriate steps to take during an emergency in order to protect your patients, your practice, and yourself. In addition, they discuss preventive steps that can be taken to ensure that your team responds well before, during, and after an emergency. Do yourself a favor and take notes today!  Dr. Kuba and Bethany dig much deeper into this subject in the May digest. For non-subscribers, if you missed the May content, you can purchase it through our Hub/Shop. Don't miss your chance to attend The Leadership Summit. In eight weeks, on Friday, September 18, Dr. Kuba and Bethany will join up with attendees at Homewood Suites in The Colony, TX for an entire day dedicated to practical leadership topics. With only a few spots remaining and the early bird special coming to an end, don't hesitate to register TODAY! HUB HIGHLIGHTMay Dental Digest BundlePrepare your team for medical emergencies with the May Dental Digest Bundle, featuring training scenarios, a team emergency quiz, and a clear action plan for addressing gaps in your practice. Dental Assistant Checklist Bundle Keep your dental assistants organized and your practice running smoothly with editable checklists for daily duties, downtime tasks, and ongoing responsibilities. Don't forget to check out our social media for moreManaging Dental Drama FBManaging Dental Drama IGConnect with the Managing Dental Drama Community!Managing Dental Drama Membership Club Sign UpWait! There's More!We want to hear YOUR voice!Text a 2-minute voice memo to 214.326.4605 with your questions, comments, real-life examples, or tips for a chance to have YOUR voice on the air!Interested in the Leadership Summit?Join Us! Friday, September 18, 20268:30am - 4:30pmIn The Colony, TXInquire or register TODAY!HelloBethany.com/Leadership

In this episode, Ricardo reflects on how many project managers have shifted from managing projects to merely reacting to urgent matters. Their daily routines are consumed by meetings, messages, emails, and immediate issues, creating a sense of heavy workload but little actual progress. According to him, managing projects means reducing uncertainty, whereas managing anxiety amounts to nothing more than reacting to chaos. Artificial intelligence has accelerated operational tasks but also raised expectations for instant responses, thereby intensifying anxiety within organizations. In this context, the project manager's role becomes even more critical: establishing priorities, shielding the team from false urgencies, creating predictability, making decisions, and instilling confidence. Listen to the podcast to learn more about!

Neste episódio, Ricardo reflete sobre como muitos gerentes de projetos deixaram de gerenciar projetos para apenas reagir a urgências. A rotina é consumida por reuniões, mensagens, e-mails e problemas imediatos, gerando a sensação de muito trabalho, mas pouco progresso real. Segundo ele, gerenciar projetos significa reduzir incertezas, enquanto gerenciar ansiedade significa apenas reagir ao caos. A inteligência artificial acelerou tarefas operacionais, mas também aumentou a expectativa por respostas instantâneas, intensificando a ansiedade nas organizações. Nesse contexto, o papel do gerente de projetos torna-se ainda mais importante: estabelecer prioridades, proteger a equipe de falsas urgências, criar previsibilidade, tomar decisões e transmitir confiança. Escute o podcast para saber mais!

How can a company own almost nothing and still become one of the most valuable businesses in the world?In this episode of Corporate Finance Explained, we break down the economics behind platform marketplaces and why companies like Airbnb, Etsy, and Upwork have fundamentally different business models than traditional retailers.Unlike conventional businesses that own inventory and physical assets, marketplace platforms create value by connecting buyers and sellers. But building a successful platform is far more complex than simply attracting users. We explore the financial mechanics behind network effects, take rates, liquidity, customer acquisition, and marketplace economics, along with why some platforms become incredibly profitable while others burn through billions of dollars without ever reaching sustainable growth.

The following article of the E-Commerce & Retail industry is: “How Logistic Risk Management Became the New KPI of Mexican Trade” by Esau Misael Mendoza Hernández, Chief Business Development Officer, Keeper Cargo Insurance.

You don’t need grand slams to build a successful retirement plan. Art McPherson discusses balancing risk and growth, creating reliable income, avoiding retirement planning mistakes, and defining what financial freedom really means before turning your retirement dreams into reality. For more information visit www.artofmoney.com! Follow us on social media: YouTube | Instagram | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

Want to build financial models that other finance professionals can trust?In this episode of What's New at CFI, Meeyeon sits down with Duncan McKean, CFI's VP of Financial Modeling, to discuss Financial Modeling Guidelines, a practical course designed to help analysts build cleaner, more transparent, and more professional Excel models.Instead of building a model from scratch, this course starts with a messy legacy model and walks you through transforming it into a best-in-class financial model using industry-standard modeling practices. Along the way, you'll learn why model structure matters, how to improve readability and transparency, and the habits that separate experienced financial modelers from everyone else.

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 visits Kunal Vankadara, CEO & Co-founder of Haast, to discuss how AI can help regulated organizations scale compliance as content volume explodes and regulatory scrutiny increases. Vankadara believes AI-powered compliance automation is especially valuable in content review because many decisions are subjective and context-driven, such as judging whether a disclaimer is sufficiently prominent. In his view, LLMs can be trained on a company's risk tolerance to apply those standards consistently at scale, reducing false positives and sending only gray-area issues to human experts. As AI-driven content creation and regulatory scrutiny continue to grow, he sees this approach as a way to make compliance faster, more reliable, and less of a bottleneck. Key highlights: AI-driven content surge overburdens compliance teams Training Agents to Match Company Risk Tolerance Teaching AI Risk Tolerance Beyond False Positives Compliance agents as digital twins for content Sanctions and Regulatory Changes into Actionable Intelligence Resources: Connect with Kunal Vankadara on LinkedIn Haast Innovation in Compliance was recently honored as the Number 4 podcast in Risk Management by 1,000,000 Podcasts.

Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society.   In this episode, Justin interviews Spencer Funding Their Future Honoree, Sierra Signorelli, about her background in environmental science, what drew her into insurance, and what convinced her that this profession was where she wanted to build a career. They discuss her career path from environmental consulting to environmental insurance underwriting to leading a global team and to currently serving as CEO of U.S. and Commercial Insurance at Zurich, and the pivotal moments that changed the trajectory of her career. They discuss her passion for helping women make their way in the industry, and her activities to bring new talent into insurance careers. Justin and Sierra discuss the Spencer Educational Foundation and how Zurich's interest in nurturing new talent aligns with Spencer's work.   Listen for Sierra's passion about the dynamic state of the insurance industry and how it can bring new risk solutions to companies.   Key Takeaways: [:01] About RIMS and RIMScast. [:16] About this episode of RIMScast. Our guest is Sierra Signorelli, CEO of U.S. and Commercial Insurance at Zurich and one of this year's Spencer Funding Their Future Gala Honorees. But first… [:42] RIMS-CRMP Workshop. We are delighted to announce that on August 27th and 28th, RIMS President Manny Padilla will be leading the two-day in-person workshop at St. John's University at 101 Astor Place in New York City. A link to the registration is in this episode's show notes. [1:02] RIMS-CRMP Virtual Workshops. The next RIMS-CRMP Exam Prep with PARIMA will be held virtually on July 21st and 22nd. Registration links are in this episode's notes. [1:14] We have a summertime webinar. On July 16th, Zurich will present "Too Hot to Ignore: Heat-Related Injuries and Workers' Compensation." Register at RIMS.org/webinars and via the link in this episode's show notes. [1:29] Also on the webinars page, you will see a two-part series hosted by the RIMS Membership Department. The "Classroom to Career" webinar series highlights how RIMS equips students with the knowledge, skills, and connections needed to thrive in risk management careers. [1:44] Participants will gain insights into industry trends, career pathways, and practical tools that help them confidently step into the evolving world of risk management after graduation. These sessions will be hosted on September 1st and 9th. [1:58] These sessions are member exclusives and are complimentary for RIMS members, of course. So, if you are interested in becoming a member, this would be the time. Visit RIMS.org/membership. [2:07] The RIMS ERM Conference 2026 will be held on November 19th and 20th in Columbus, Ohio. Registration will open in July. Be on the lookout for the call for nominations for the RIMS ERM Global Award of Distinction. Visit RIMS.org/ERM2026 in July for that announcement. [2:29] RIMS is back on YouTube. Our handle is @RIMSOfficialChannel. We've got plenty of videos there, including RIMScast, RIMScast Canada video podcasts, and other informative and entertaining content from RIMS. Subscribe to the channel today! [2:48] On with the Show! Our guest today is one of the modern trailblazers of risk and insurance. She is Sierra Signorelli, the CEO of U.S. and Commercial Insurance at Zurich. She is also one of this year's Spencer Educational Foundation's Funding Their Future honorees. [3:08] Sierra will receive her honor at the Waldorf Astoria in New York City on September 17th at the Spencer Funding Their Future Gala. [3:16] Sierra is here today to discuss her career development, her career journey, how it evolved into a global leadership role, and some words of wisdom for the next generation of risk and insurance talent. She has a lot of great insight and takeaways for us all. Let's get to it! [3:37] Interview! Sierra Signorelli, Welcome to RIMScast! [3:47] Justin and Sierra discuss longtime mutual friend Marya Propis. Sierra says their paths crossed early in their careers at AIG. They got to know each other through the Women's Executive Leadership Initiative Program. [4:09] Sierra says quite a few exceptional women in important roles in our industry came out of that program cohort. It's fantastic to come back together with Marya for this event. [4:37] Sierra studied environmental science. She tries to live and work with a sense of purpose. In university, she wanted to make the world a better place with environmental science. [4:58] Sierra says there are areas of overlap between insurance and environmental science. Her initial work out of school was about understanding changing weather patterns, flooding, epidemiology, chemistry, liability, and toxic tort. She leans on what she studied. [5:33] Sierra says that in school, they studied Earth Systems Science. Much of the modeling they did in school is the same modeling that Cat modelers do at Zurich. [6:04] Sierra first worked at an environmental engineering consulting firm. A colleague left to join a new company. He called her to come and interview. It hadn't been on her mind, but on his recommendation, she interviewed. Meeting the people, Sierra was intrigued. [7:08] Sierra says once she joined, she never looked back. She joined as an underwriter doing environmental insurance, so it tied to her background. It felt like it was her own little business. It was her responsibility to build a portfolio of business and build relationships with brokers. [7:37] Sierra says it was fascinating. The industry gives lots of training, both industry-led and within companies. The opportunity to learn was fun. Sierra felt it was a great place to start to build a career. [8:20] Sierra has had a few meaningful career pivots. As an underwriter, transitioning to her first manager role was a big step. It taught her that you have to have sponsorship or support within an organization to get the next roles. [8:47] Sierra says it was a big step from being an individual contributor to leading a much larger team. Having somebody willing to put that on her was really important. She will be forever grateful for that first step. [9:12] Sierra says the next meaningful step was from running a business in a region to being a CUO for one of the businesses globally. The organization restructured and put Sierra across lines of business she had no expertise in. That was a huge shift for her. [9:40] Sierra was no longer the deep expert, but she had to lead a team of experts and be credible with those individuals. Most of them had 30 or 40 years of experience. Sierra was in her early 40s. It was a fantastic opportunity that somebody was brave enough to give her. [10:09] Shortly after, Sierra moved from New York to Asia. It was quite a difference. She took that step because she was in a global role. She says, even though she traveled a lot and she's curious about people and cultures, it's not until you sit somewhere that you really experience it. [10:39] Moving overseas and being on the receiving end of New York gave Sierra an appreciation for sitting in the market. At that company, all brilliant things came from New York, and the rest of them had to figure out how they added value. The time difference was a challenge. [11:24] Sierra says the time difference has a huge impact on your life. The company wanted to become more global and had placed executives all over the world in different hubs. When you have 3,000 people in one area, everything is time-zone-centric to them. [12:01] As a global leader, in another time zone, you have to be comfortable not participating in everything and having people who represent you on your behalf, knowing when you really need to engage. You need to know to move the time if you won't be coherent at 3:00 a.m. [12:24] Sierra went back and forth once a month from Asia to New York to do Business Unit Reviews. It takes a lot out of you. The world has changed, and she does many more video meetings. Global travel has an impact on quality of life. [13:00] During those years, Sierra was raising children. They started pre-school and kindergarten in Asia. Sierra says she couldn't possibly do it unless her husband was on board; he had a career that was more flexible, and he was willing to step up. That's a family discussion to have. [14:03] A Quick Break! There are so many other wonderful RIMS events coming up in 2026. The Annual Florida RIMS Educational Conference will be held from July 28th through August 1st at the lovely Ritz-Carlton in Naples, Florida. A link to the event is in this episode's show notes. [14:22] Register now for the Second Annual RIMS Texas Regional Conference, which will be held from August 10th through the 12th at the Grand Hyatt on the San Antonio River Walk. Visit RIMS.org/Events for registration information. [14:36] The hotel cutoff date was July 10th. Reservations may still be made after the hotel cutoff date, subject to availability; however, the negotiated group rate is no longer guaranteed, so reserve now. [14:48] The 11th Annual Chicagoland Risk Forum will return to the Old Post Office on Thursday, September 24th, 2026. Visit ChicagolandRiskForum.org for more information. [15:00] The RIMS Western Regional Conference will be held from October 4th through the 7th in Seattle, Washington. The agenda is live, and registration is open. Visit RIMSWesternRegional.com and the link in this episode's show notes for more information. [15:16] Save the dates: October 18th through the 21st. We will be in Quebec City to celebrate the 50th Live RIMS Canada Conference. Booth sales are open, and sponsorship opportunities are still available. Advance registration is open now. [15:33] Visit RIMSCanadaConference.ca for more information. Also, remember to check out RIMS.org/Canada for our spinoff show, RIMScast Canada, hosted by National Conference Committee Chair, Aaron Lukoni. [15:47] The RIMS ERM Conference 2026 will be held on November 19th and 20th in Columbus, Ohio. Registration opens in July. [15:58] Be on the lookout for an announcement about submissions for the RIMS Global ERM Award of Distinction. Visit RIMS.org/ERM2026.  [16:08] Folks, we're already looking toward RISKWORLD 2027, which will be held over four days in New Orleans, Louisiana, from April 18th through the 21st. RIMS members can exclusively register by September 4th for the best rate. [16:22] Get first access to the hotel block. Hotel reservations open on October 28th, ahead of public registration. Sitting this out is the real risk! The link to registration is in this episode's show notes. [16:35] Let's Return to Our Interview with Spencer Educational Foundation's Funding Their Future Gala Honoree Sierra Signorelli! [17:01] Sierra says when she was in Asia, she had a global role. It highlighted how you speak, how you engage, and how you listen in different cultures is hugely important. You can't assume. It's always good to listen and then ask, and then replay back. [17:23] Sierra learned some painful lessons just thinking that silence and people nodding along means that they agree. She says she often talks about the importance of listening to colleagues, customers, and broker partners. [17:45] It's important not to make quick assumptions but to listen first and ask questions so that you have a good understanding of the colleagues you are working with and their needs. [18:00] Justin says a keynote at RISKWORLD 2019 said that when she spoke in Asian nations and asked a question of the audience, she learned that she had to wait and make eye contact with the audience to know if it was alright to move on to the next point or get them to speak up. [18:30] This speaker had learned that there is somewhat of a cultural reluctance in Asia to say what's on your mind. Sierra says that may be true, but you often don't get questions, so you have to think about what questions people might have and make sure that you raise them. [18:53] Sierra shares an example. They were rolling out global pricing tools. The U.S. would raise their hand that they don't like this or that. The same with the UK. Maybe Germany doesn't adopt it. Asia was seamless. They just rolled it out. No questions. Then a broker revealed a big issue. [19:31] Sierra realized she had to go back and talk with her team, so they could march forward. Having that understanding and making sure you're engaging appropriately with the culture is critical to having a successful business and being successful with the teams locally. [20:03] Justin asks that as Sierra ascended to that leadership role, did she find that she was one of the few women in executive leadership roles along the way? [20:23] Sierra says that early in her career, she was quite fortunate that there were quite a number of women leaders. In the group she worked with when she was in New York, there were several women running businesses. She worked for a woman. [20:43] Many of the women had families. Sierra had just started to have a family. Seeing them able to run these businesses, have a family, and not seem like all the wheels were coming off, seeming very normal and successful in her view, kept Sierra going. [21:01] Sierra says having role models and seeing other women do it is absolutely critical. It feels like you can do it when you see somebody else doing it. Having other people to talk to about how you navigate it is very important. [21:17] Sierra says, That being said, you have these groups, but overall, she finds that she's often the only woman in the room in meetings, and more broadly, in Asia. If she looks at the executive committee at Zurich, there are 12 executives, six male and six female. [21:42] Sierra says there are bright spots. We're making progress, but in some of the mid-level management roles, you don't see the same split. You see women falling off at a certain level. [22:19] Sierra says we have a Women's Innovation Network that she sponsors for her group. She has always tried to be a great support to women in our industry. She has given support to women along the way and helped them navigate to get to where they are. [23:00] Sierra says if you want to be authentic, you have to make difficult decisions. It goes hand in hand. If you just take every easy decision, it would be very difficult to be authentic. She would encourage you not to shy away from challenging decisions and not to put them off. [23:26] That's easier said than done. When Sierra looks at her to-do list in the morning, if there's something on that list she really doesn't want to do, she does it first. Otherwise, it just falls further down the list, and then goes to the list for tomorrow. [23:47] Those difficult conversations are never as bad as you work them up in your head to be. Just do it and get past it. If you make that a habit, then you tend not to shy away from having the right discussions. It's never as difficult as you can make it out to be in your head. [24:09] Sierra says one of her colleagues at Zurich in the U.S. often says, "Be kind, not nice." Being nice does not serve anyone well. If you don't give people feedback, or don't give them the full story because you want to be nice, it doesn't make sense. [24:32] If you're going to give feedback or make a change, be kind. That purpose helps people move forward and take action. Inaction is the bigger risk than taking action, jumping in, and adapting anywhere you need to adapt, as you go. [25:02] Justin cites a friend of Sierra's, and recent RIMScast guest, Johnell Holly, who said he chooses the hard challenges first and tries to knock them off the list. [25:24] Justin restates Sierra: your authentic self is shown when you make those difficult decisions. That's a great takeaway for the RIMScast audience. Sierra adds that it's important to take positions so that people understand what you stand for as a leader or an individual. [25:53] Sierra says in an organization, people are always going to decide what you stand for. If you don't make it clear, it creates a vacuum, and they'll make assumptions. Sometimes people are tentative or worried about taking a stand. [26:06] Sierra says it's far less risky to take that stand and make it clear what you stand for, because people are going to make an assumption anyway, and they're more likely to get it wrong if you leave it to them to sort out. [26:31] Sierra says she spends a lot of time meeting with customers and brokers. She gets energy from it. It grounds her in reality, which is important if the company wants to add value. They need to understand how things are landing, and what problems they are solving for. [26:53] One of the things that keeps Sierra in this industry, and what she loves about what they do, is that they have the opportunity to help solve some of the world's most complex challenges. [27:06] To do that, they have to get out and talk to people who are facing the challenges, and understand what it means for their business. [27:14] Sierra says, it's also important to spend time with your people. Sierra is in the Chicago office, and when she walks around the floor, she can meet the teams. She loves when they come up and tell her about a big win or something they're building on in the market. [27:39] Another Quick Break! The Spencer Educational Foundation's Funding Their Future Gala 2026 will be held on September 17th in New York City at the Waldorf Astoria. This year, Spencer will honor Sierra Signorelli of Zurich and our recent guest, Marya Propis of RT Specialty. [28:01] A link to the Gala is in this episode's show notes. Sponsorship opportunities are still available. [28:14] We have reached the deadline for the Spencer Educational Foundation's Risk Manager on Campus submissions. Grant awardees, colleges, and universities are typically notified in September. [28:22] General Grants are open, and the application deadline is July 30th. Internship Grant applications open on August 15th and close on October 15th. [28:33] Links to each of these grants are in this episode's show notes. Visit SpencerEd.org for more information. [28:42] Let's Conclude Our Interview with Spencer Educational Foundation's Funding Their Future Gala Honoree Sierra Signorelli! [28:57] Justin congratulates Sierra once again on being honored at the Spencer Educational Foundation's Funding Their Future Gala, which will be on September 17th at the world-famous Waldorf Astoria. [29:07] Sierra says she is looking forward to the event. She has been very fortunate to have amazing people who have helped, either giving her great advice through her career, or who have sponsored her, supported her, or advocated for her as she took the next steps in her career. [29:43] Sierra says, it's great to be recognized. As she is recognized, it should be recognition for all of those people who were bold enough to support her, especially early in her career. [30:02] Sierra says Zurich has a long history of engaging with the Spencer Educational Foundation. Zurich's beliefs align with what Spencer is trying to achieve. Zurich believes in bringing a diverse group of people into our industry, and more young people into our industry. [30:23] Sierra says we need to continue to bring new people in. As we look at some of the changes we have as an industry, becoming more digital, leaning more on insights, and reshaping how we show up as an industry, it's a great time for young people to join our industry. [30:47] Sierra says she thinks the industry is undersold. It's a fantastic industry to build a career. She says most people who come into the industry don't leave. It's just convincing them from the beginning.   [31:02] Sierra says, from a Zurich perspective, we have a really robust apprenticeship program that we sponsor to bring youth into and help them gain experience: both on-the-job experience and instructional experience through a two-year program. [31:26] Sierra says that for Zurich, supporting programs such as the Spencer Educational Foundation is a natural fit in continuing to help bring talent into our industry. [31:38] The other 2026 Honoree, Marya Propis, was recently on the show and was one of the first 50 RIMScast guests. Sierra says she and Marya worked together years ago. They also were part of a fantastic sponsored women's program, the Women's Executive Leadership Initiative. [32:14] Sierra says several women who are in key roles in our industry came through that program. It's fantastic to see the success of some of those women, including Marya, and to be honored together in 2026. [32:44] Sierra says it should be a good evening and really nice to reconnect with Marya after having been overseas for quite some time. [33:00] Sierra is also a board member of the St. John's University School of Risk Management and is deeply involved in developing future talent. [33:16] Sierra says it's a really exciting time for our industry. The world of risk is very dynamic now. [33:31] Our capabilities to harness insights and data to streamline what we do to be more efficient to work with, all coming together at the same time, is a huge opportunity to raise the bar to add greater value to companies as they think about how they manage this risk landscape. [34:00] For Sierra, it's an exciting time to bring new perspectives in and entice young people to look at a career in insurance. Sierra repeats that most people who come into our industry don't leave. People leave companies, but they tend to take other insurance roles. [34:30] Sierra says, we just need to get more people interested in what we do and to bring new perspectives and new skillsets into what we do. I know that people will stay once they're here. [35:00] Speaking of knowledge transfer, Sierra says that there are lots of people with many years of experience who want to invest the time with younger people to pass that knowledge on. They don't want it to be lost. [35:19] For people who are curious and want to come in and build a career, it's an amazing opportunity to be able to work with some of the people who have this experience, as well as working with new technologies and capabilities. [35:35] The Waldorf Astoria in New York City has been newly renovated. When people gather at the Waldorf for the Spencer Gala on September 17th to celebrate leaders like Sierra and Marya, they're also investing in the future of the profession. [36:06] Sierra says, first and foremost, she feels fortunate that she's had great support from individuals and also from working for a great company that allows her to do what she does at such a large scale. [36:44] Sierra says the people who sit on the team at Zurich are the shining stars who give us the brand that we have and the capabilities that we have. She would hope that she leaves a legacy that shows that she's helped to improve and raise the bar for what we do as an industry. [37:19] Sierra says that's what she's most passionate about. She thinks that as an industry we can do more. [37:26] We're on the cusp of something great with all of these different dynamics, whether they're the factors of risk that are becoming far greater, or the capabilities we can bring to the table to help the world and companies solve problems. [37:45] Sierra says, if I leave a legacy that I helped some of the building blocks to get us there, I would feel quite good about that, in addition to helping to build talent in our industry, which is something that I'm particularly passionate about. [38:03] Justin says it is a well-deserved honor, and I'm so happy for you. I'm very happy for Marya, as well. You both bring so much to risk management and insurance that it's only fitting that you are honored in the same year. You're both doing great work. [38:21] You're very inspiring for our listeners and, of course, anyone who is involved with Spencer, whether they are staff or beneficiaries of the foundation. You are a shining example of what we hope this profession can continue to be like. [38:40] I want to thank you so much for your time, and I look forward to seeing you in New York City on September 17th, when you accept your award. [38:53] Special thanks again to Sierra Signorelli of Zurich for joining us here on RIMScast. We congratulate her on being named an honoree at this year's Spencer Funding Their Future Gala, which will be held on September 17th in Manhattan at the fabulous Waldorf Astoria. [39:14] Visit SpencerEd.org for more information and be sure to check out recent RIMScast episodes with another honoree from this year, Marya Propis, and Spencer Board Chair, Johnell Holly. Links are in this episode's show notes. [39:30] Plug Time! 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. [39:47] 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. [40:04] 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. [40:17] 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. [40:30] Practice good risk management, stay safe, and thank you again for your continued support!   Links: Spencer Educational Foundation's 2026 Funding Their Future Gala | Sept. 17, 2026 RIMS Texas Regional Conference 2026 | Aug. 10‒12 in San Antonio | Register Now! RISKWORLD 2027 Registration | RIMS members can lock in 2026 rates now through Sept. 4 2026 Florida RIMS Educational Conference | July 28‒Aug. 1 | Register Now ChicagoLand Risk Forum | Sept. 24, 2026 RIMS Western Regional Conference — Oct. 4‒7, 2026 | Seattle, WA | Register Today. RIMS Canada Conference — Oct. 18‒21, 2026 | Quebec City | www.rimscanadaconference.ca | Advance Registration Open | Sponsorship Opportunities Available RIMS ERM Conference 2026 | November 19‒20 in Columbus, Ohio | Registration Opens in July! | www.rims.org/ERM2026 Spencer Educational Foundation — Scholarships and Grants | Open Calls and Timelines. RIMS Now RIMS-Certified Risk Management Professional (RIMS-CRMP) | Insights Video Series Featuring Joe Milan! RIMS, the Foundation for Risk Management The Strategic and Enterprise Risk Center RIMS Diversity Equity Inclusion Council RIMS-CRMP Stories RIMScast Canada — Episodes Now Live RISK PAC | RIMS Advocacy RIMScast on YouTube! RIMS Risk Management Magazine | Contribute | Q2 2026 Issue Now Available Upcoming RIMS-CRMP Virtual Workshops: RIMS-CRMP Exam Prep with PARIMA — Virtual — July 21‒22, 2026 RIMS-CRMP Exam Prep Workshop — Live In NY — Aug 27‒28! Full RIMS-CRMP Prep Course Schedule See the full calendar of RIMS Virtual Workshops   Upcoming RIMS Webinars: RIMS.org/Webinars "Too Hot To Ignore: Heat-Related Injuries and Workers' Compensation" | July 16 | Presented by Zurich "RIMS Student Series: Classroom to Career Part 1" | Sept 1 "RIMS Student Series: Classroom to Career Part 2" | Sept 9   Related RIMScast Episodes: Spencer Honoree "Marya Propis: From Industry Leader to Talent Champion" "Choosing the Challenge with Johnell Holly, Spencer Educational Foundation Board Chair" "Risk Management Momentum with Tim Ryan" (2025 Spencer Honoree) "The Strengths of DE&I Initiatives with Lilian Vanvieldt-Gray of Alliant Insurance Services" (2024 Spencer Honoree)   Sponsored RIMScast Episodes: "48 Hours From a Storm: What to Do Before A Hurricane Strikes" | Sponsored by Global Risk Consultants, a TÜV SÜD Company (New!) "AI-Scale, Risk Ready: Engineering Controls for the New Data Center Boom" | Sponsored by Global Risk Consultants, a TÜV SÜD Company "Facing Into Risk: Navigating the New Risk Landscape" (New!) | Sponsored by AXA XL "Secondary Perils, Major Risks: The New Face of Weather-Related Challenges" | Sponsored by AXA XL "The ART of Risk: Rethinking Risk Through Insight, Design, and Innovation" | Sponsored by Alliant "Mastering ERM: Leveraging Internal and External Risk Factors" | Sponsored by Diligent "Cyberrisk: Preparing Beyond 2025" | Sponsored by Alliant "The New Reality of Risk Engineering: From Code Compliance to Resilience" | Sponsored by AXA XL "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 "How Insurance Builds Resilience Against an Active Assailant Attack" | Sponsored by Merrill Herzog "Third-Party and Cyber Risk Management Tips" | Sponsored by Alliant   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 Manny Padilla!   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: Sierra Signorelli, CEO of U.S. and Commercial Insurance at Zurich Spencer Educational Foundation's Funding Their Future 2026 Honoree   Production and engineering provided by Podfly.

The Tom & Mick Show is back, and so is repeat guest Jeremy Cummins.Two years after first joining the show, Jeremy returns to share how his cattle feeding business has grown from around 4,000 head on feed to more than 22,000 across multiple locations.The conversation also dives into the current cattle market, seasonal conditions, feedlot demand and how Jeremy is positioning his business as the industry navigates another changing cycle.In this episode:Growing the businessWhat's changed since Jeremy's first appearance on the showRebuilding and expanding the Mirambee FeedlotGrowing from 4,000 to more than 22,000 head on feedBuilding a team and bringing experienced people into the businessThe role mentors and advisors continue to playFeedlot strategyWhy Jeremy operates across multiple feedlot locationsDiversifying supply, customers and seasonal riskHow different feeding programs fit different marketsWhy flexibility is becoming a competitive advantageReading today's cattle marketJeremy's outlook on current cattle pricesThe impact of seasonal conditions across AustraliaWhy supply and demand still drive his decision makingHow international markets influence, but don't dictate, his businessManaging riskWhy Jeremy focuses on margins instead of trying to predict the marketMatching purchases to forward salesLessons learned from previous market correctionsWhy understanding your costs matters more than guessing where prices are headingGrowth mindsetWhy Jeremy never planned to grow as quickly as he hasBacking opportunities when they make senseScaling a business without chasing growth for growth's sakeHis philosophy: know your numbers, back yourself and don't be afraid to do moreLooking aheadJeremy's thoughts on the future of feedlottingThe potential of covered feedlotsWhy Wagyu isn't part of his current strategyWhat the next decade could look like for the businessKey takeawaysBusiness growth often comes from recognising opportunities rather than following a rigid plan.Knowing your costs and protecting your margins is more important than trying to pick the market.Diversification across locations, customers and feeding programs helps manage risk.Seasonal conditions will continue to play a major role in shaping Australia's cattle market.The best opportunities often come to those prepared to act with confidence when the numbers stack up.Whether you're involved in cattle production, feedlotting, livestock trading or simply interested in how successful agribusinesses make decisions, this episode offers practical insights into growth, risk management and navigating today's cattle market.

In this episode, Ricardo discusses the new PMP certification exam. He explains that updating the exam is a natural progression, as project management has evolved with artificial intelligence, agile methods, distributed teams, and new challenges. He highlights that the PMP exam has always prioritized the ability to analyze situations, make decisions, lead teams, and deliver value, rather than simply memorizing concepts. Ricardo also emphasizes that previous versions of the PMBOK® remain relevant because project management fundamentals stay the same, while only the context and tools evolve. His recommendation is to stay up to date without believing that all prior knowledge has lost its value. Listen to the podcast to learn more about!

Neste episódio, Ricardo fala sobre o novo exame para a certificação PMP. Ele explica que a atualização do exame é natural, pois a gestão de projetos evoluiu com inteligência artificial, métodos ágeis, equipes distribuídas e novos desafios. Destaca que o exame PMP sempre valorizou a capacidade de analisar situações, tomar decisões, liderar equipes e gerar valor, e não apenas memorizar conceitos. Ricardo também reforça que as versões anteriores do PMBOK continuam relevantes, pois os fundamentos da gestão de projetos permanecem os mesmos, enquanto apenas o contexto e as ferramentas evoluem. Sua recomendação é manter-se atualizado, sem acreditar que todo o conhecimento anterior perdeu valor. Escute o podcast para saber mais!

The skills you build and the tools you master matter, but they aren't your most important asset when things go wrong — and something eventually will. In this episode, I work through why our careers and lives are governed more by avoiding catastrophic downside than by chasing upside, and why the single best tool for surviving a bad event isn't testing, insurance, or money — it's genuine trust with the people around you. Here's a question to sit with: what is the most important tool you have as a software engineer and as a leader? Most of us reach for something technical, but the answer runs deeper than that. In this episode, I start with the humble premortem — the practice of assuming something has already gone wrong so we can pressure-test our plans — and use it to explore why so much of our work is really about predicting and mitigating risk. From there, I make the case that because we're all exposed to a far larger downside than upside on any given day, the tool that matters most is the one that helps you survive the bad event you couldn't prevent: your relationships with other people, built on real trust. The Premortem as a Risk Lens: Learn why assuming failure ahead of time is such a useful counter to our natural optimism. Our plans quietly assume everything will go right, and a premortem forces us to inspect the gaps our best-laid plans never covered. Life Is Already About Predicting Risk: Nearly every action we take — stepping forward, eating the sushi, merging into traffic — is a small bet on an outcome we can't prove in advance. Much of what we're managing isn't even our own behavior, but the risk other people put us through. Why the Downside Dwarfs the Upside: On a typical Monday, your potential gain is limited, but your potential loss is not. A single catastrophic event — a breached customer, untested code shipped, an injury for an athlete — can undo far more than any single good action could ever build. This is why avoiding failure, not chasing brilliance, quietly shapes most successful careers. Likelihood Times Impact: Even a one-in-a-hundred-days negative event can cost you your job or your company a fortune, while very few actions could produce a commensurate gain like doubling your salary. Our behavioral aversion to risk turns out to be rational. Mitigate the Blast Radius, Not Just the Incidence: You can never be 100% certain a bad event won't happen. Good people who show up, stay reliable, and grow their skills still get laid off. So beyond reducing the likelihood of harm, you have to reduce its impact when it lands. Relationships Are the Real Safety Net: The most important tool in your belt isn't technical — it's your relationships with other human beings. Invested in honestly, they pay you back forever, and they're the thing you fall back on when the negative event you tried to prevent happens anyway. Trust Is the Core Currency: Genuine relationships require reality — real curiosity and care, not performed name-remembering, which people can see through. Trust compounds like an asset, while money spent to buy loyalty is gone the moment it's paid. When you hit a hard deadline or discover something's broken, a reservoir of trust is what lets people extend their best effort without you having to throw more money on the table. Episode Homework: Go invest in your relationships regardless of your current risk profile. Spend extra time in your one-on-ones, with your team, and in your retros — and get curious about what the people around you actually want, instead of assuming you already know.

#236 - The Darien Gap has a legend attached to it, but Daniel Eggington brings the parts that don't fit the movie version: endless wet days, rivers fought step by step, fear used as a tool, and the mental math of staying alive when you're deep in the jungle with no easy reset button. Daniel doesn't chase comfort or bragging rights. He chases places where there's no blueprint, because that's where he learns fastest and where the story is earned instead of staged. We start with the moment that set his trajectory: leaving the UK as a teenager for Sumatra after working at a zoo and falling in love with wildlife. From there we dig into expedition travel the way it actually works: preparing for snakes and insects, relying on locals for real knowledge, and keeping your impact low. Daniel shares his Guyana journey down the Essequibo River by dugout canoe, including encounters with local belief systems like Kanaima and how culture can shape safety choices as much as terrain does. Then we go deep on the Darien, including geopolitical shifts, how different groups control different areas, why “permission” is part of the route, and what a truly miserable day looks like when you're soaked, underfed, and still pushing forward. We also talk endurance training, why people choose suffering in controlled doses, and Daniel's next massive goal: a first-of-its-kind Congo River walking expedition planned for 12 months or more, supported by a broader team and modern field comms. If you're into extreme adventure, jungle survival, expedition planning, and the mindset behind big goals, hit play, subscribe, and share this with someone who needs a push. After you listen, leave a review and tell us: what would your no-blueprint adventure be?To learn more about Daniel Eggington and his upcoming expedition along the Congo River check out www.danieleggington.com and follow him on Instagram @danieleggington.To learn more about me and see clips from past, present, and future shows give me a follow on Instagram @humanadventurepod.Want to be a guest on The Human Adventure? Send me a message on PodMatch, here: https://www.podmatch.com/hostdetailpreview/journeywithjakeXploreum connects you with authentic wilderness expeditions led by trusted local experts. Browse real adventures, book directly with experienced guides, and get $200 off your first trip using code HumanAdventure2026 at xploreum.io/humanadventure. 

What if the biggest reason companies miss their long-term goals isn't execution, but the plan itself?In this episode of Corporate Finance Explained, we break down long-range planning (LRP) and why so many corporate strategy plans fail to deliver. While annual budgets focus on the next 12 months and long-term targets inspire investors, a true long-range plan bridges the gap by connecting strategy to financial reality.We explore the difference between budgets, targets, and LRPs, why driver-based financial models are more reliable than simple growth assumptions, and how finance teams build strategic plans that executives can actually use to make decisions. Through real-world examples from Microsoft, Netflix, BlackBerry, and General Electric, we examine how strong long-range planning can drive transformation and how flawed assumptions can lead to corporate decline.

Are Roth conversions good for YOU? Why - or why not? Today's AMA episode is all about that topic.  Looking for a financial planner?  → PlanWithJesse.com In this Ask Me Anything episode, Jesse answers a wide range of listener questions about Roth conversions, moving beyond the basic mechanics to explore the nuanced trade-offs that determine whether a conversion creates value or simply accelerates taxes unnecessarily. He begins by reviewing the core Roth conversion framework, explaining that the strategy works best when investors can intentionally pay taxes today at significantly lower rates than they expect to face in the future, emphasizing that tax arbitrage—not tax avoidance—is the primary objective. From there, he tackles common questions about whether Roth conversions are truly necessary, arguing that even ideal candidates often view conversions as optimization opportunities rather than make-or-break retirement decisions. He explores the merits of micro-conversions versus larger bracket-filling conversions, the concept of "neutral" Roth conversions where tax rates remain unchanged, and the non-mathematical benefits that may justify them, including reduced future RMDs, protection against the widow's tax trap, estate-planning simplicity, and greater certainty around future tax policy. Jesse also examines whether retirees should prioritize Roth assets for heirs, cautioning that aggressive conversion strategies can sometimes leave both retirees and beneficiaries worse off if the taxes paid today outweigh future savings. Additional listener questions address the timing of Roth conversions, the dangers of trying to time the market, the elimination of conversion reversals under current tax law, and the importance of factoring state income taxes into conversion decisions, particularly for retirees planning interstate moves. He concludes with a comprehensive Roth conversion checklist covering tax bracket management, break-even analysis, Social Security taxation, IRMAA surcharges, ACA healthcare subsidies, charitable giving strategies, estate planning considerations, and numerous other interactions that can dramatically alter the value of a conversion. Throughout the episode, Jesse argues that Roth conversions are neither universally beneficial nor inherently necessary, but instead represent one of many planning levers that should be evaluated carefully through the lens of taxes, timing, opportunity cost, and long-term financial goals. Key Takeaways: • Roth conversions work best when current tax rates are meaningfully lower than future tax rates. • Roth conversions are often oversold as a universal solution. The correct Roth conversion amount is sometimes zero. • Roth assets are generally more attractive to heirs than traditional IRA assets. • Social Security taxation and IRMAA surcharges can dramatically increase the effective cost of conversions. • ACA healthcare subsidies can be reduced or eliminated by Roth conversion income. • Roth conversions should be evaluated within the context of a complete financial plan rather than as a standalone strategy. Key Timestamps: (01:20) – The Basics of Roth Conversions (04:31) – When to Do a Roth Conversion (09:08) – Roth Conversions Are Oversold (10:46) – Q1: Should I Just Not Bother with Roth Conversions? (15:28) – Q2: Should I Err on the Side of Too Small a Conversion? (19:23) – Q3: What About Neutral Roth Conversions? (24:57) – Q4: Should I Leave Roth Dollars for My Heirs? (28:48) – Q5: Dollar-Cost Averaging vs. Lump-Sum Roth Conversion? (32:59) – Q6: Can You Undo Roth Conversions? (36:33) – Q7: In What State Should I Do Roth Conversions? (41:26) – Q8: How Do Roth Conversions Interact with Social Security & IRMAA? (42:53) – The Roth Conversion Checklist 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 More of The Best Interest: Check out the Best Interest Blog at https://bestinterest.blog/ Contact me at jesse@bestinterest.blog Need a financial planner?  → PlanWithJesse.com  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.

Certified Nurse Midwife Roxanne explains the third stage of labor—the time from baby's birth to placenta delivery. How long does it last for most people, and why it matters for postpartum hemorrhage and potentially breastfeeding. Roxanne describes how oxytocin-driven uterine contractions help the placenta separate and the signs of separation and compares expectant/physiologic management (waiting and monitoring) with active management (Pitocin IM/IV and sometimes gentle cord traction) to reduce hemorrhage risk. As always, the emphasis is on individualized, informed, risk-based decision-making! ————

Scaling in the Age of AI: Growth Without Increasing Risk|Brian BeckJoining us today is Brian Beck from Proxurve Solutions. Brian works with mid-sized organizations to turn AI and cybersecurity from concepts into real business outcomes. While most conversations in this space focus on what AI can do, Brian focuses on why companies struggle to implement it—and how to fix that. His work is all about helping leaders cut through the noise, align technology with real workflows, and drive measurable impact without increasing risk.Brian, welcome to the show.Links:https://proxurve.com/https://www.linkedin.com/in/brianbeck73/Tags:podcast for creatives,creative podcast,podcast creator interviews,professional podcast,creative podcasts,podcast host interviews,creative podcast ideas,Artificial Intelligence (AI),Business Strategy,Change Management,Cyber Security,Decision Making,Digital Transformation,Executive Leadership,Leadership,Risk Management,Technology AdoptionSupport PEG by checking out our Sponsors:Download and use Newsly for free now from www.newsly.me or from the link in the description, and use promo code “GHOST” and receive a 1-month free premium subscription.The best tool for getting podcast guests:https://podmatch.com/signup/phantomelectricghostSubscribe to our Instagram for exclusive content:https://www.instagram.com/expansive_sound_experiments/Subscribe to our YouTube https://youtube.com/@phantomelectricghost?si=rEyT56WQvDsAoRprRSShttps://anchor.fm/s/3b31908/podcast/rssSubstackhttps://substack.com/@phantomelectricghost?utm_source=edit-profile-page

Podcast: Industrial Cybersecurity InsiderEpisode: The Real Cost of Delaying OT Cybersecurity InvestmentPub date: 2026-07-07Get Podcast Transcript →powered by Listen411 - fast audio-to-text and summarizationCraig and Jim revisit one of their most practical conversations: how to build a compelling business case for OT cybersecurity budget. They break down the IT/OT ownership gap that leaves manufacturers exposed, explain how to frame liability, physical risk, and financial impact in language executives actually care about, and walk through the options every organization faces.From doing nothing to running a proof-of-concept pilot site that generates real, quantifiable data. They also tackle the role of cybersecurity insurance, why every company needs OT on its risk register, and how the concept of technology debt can finally help leadership understand the cost of decades of deferred OT security investment. Whether you're approaching this from the IT side, the OT side, or somewhere in between, this episode gives you the framework to start the budget conversation before a breach forces it.Chapters:(00:00:00) - Introduction: The High Stakes of OT Cybersecurity(00:01:00) - Why Budgeting for OT Security Is So Difficult(00:04:00) - How to Get Executives to Actually Listen(00:06:00) - Liability: Speaking the Language of Leadership(00:11:00) - Building Your OT Cybersecurity Business Case(00:13:00) - Ownership and Visibility: The First Questions to Ask(00:17:00) - Proof of Concept: Using Real Data to Drive Decisions(00:20:00) - Cybersecurity Insurance and the Third Leg of the Stool(00:26:00) - Risk Management, Roadmaps, and Playing the Long Game(00:31:00) - Technology Debt and Final TakeawaysLinks And Resources:Want to Sponsor an episode or be a Guest? Reach out here.Industrial Cybersecurity Insider on LinkedInCybersecurity & Digital Safety on LinkedInBW Design Group CybersecurityDino Busalachi on LinkedInCraig Duckworth on LinkedInJim Cook on LinkedInThanks so much for joining us this week. Want to subscribe to Industrial Cybersecurity Insider? Have some feedback you'd like to share? Connect with us on Spotify, Apple Podcasts, and YouTube to leave us a review!The podcast and artwork embedded on this page are from Industrial Cybersecurity Insider, which is the property of its owner and not affiliated with or endorsed by Listen Notes, Inc.

In this episode, Antonio Lee shares insights on risk management and insurance for real estate investors, emphasizing the importance of understanding construction, occupancy, and market risks to protect assets and grow portfolios.   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   —--------------------

Most vendor management programs at financial institutions are built to satisfy an examiner. Michael Carpenter, VP of Risk Management at Ncontracts and author of The Upside of Third-Party Risk Management, spent 30 years building third-party risk management programs at community banks, credit unions, and large financial institutions — and in this episode of Ncast, he explains what that experience revealed about why so many TPRM programs fail to deliver real business value.

What if one of the biggest expenses in tech isn't actually cash?In this episode of Corporate Finance Explained, we unpack the truth behind stock-based compensation and why it has become one of the most misunderstood topics in corporate finance, financial analysis, and equity valuation.At first glance, paying employees with stock instead of cash can make a company's financial performance look stronger. But while stock-based compensation may be considered a non-cash expense under GAAP accounting, it still comes at a very real cost to shareholders through equity dilution.We explore how companies account for stock-based compensation under ASC 718, why many firms emphasize adjusted (non-GAAP) earnings, and how stock grants impact operating cash flow, free cash flow, and earnings per share. We also examine why investors should pay close attention to diluted share count, stock buybacks, and long-term dilution rather than relying solely on headline earnings metrics.

What are financially successful retirees doing that others often overlook? In this episode, Frank and Frankie Guida discuss key habits that can shape retirement planning, including saving consistently, creating income streams, managing risk, preparing for unexpected expenses, and incorporating tax and retirement planning into the process. They also share a real-world case study illustrating how reviewing investments, taxes, and long-term goals can uncover opportunities and help align a retirement strategy with a client’s priorities. Schedule a complimentary appointment: A Better Way Financial Learn more about Frank and Frankie's book here! Buy Frank's book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.” Buy Frankie's book! Amazon Best Seller, ""A Better Way to Retire: How a Fiduciary Retirement Planner Can Be the Key to Financial Success" CLICK HERE to register for one of our upcoming Tax-Smart Retirement Planning Dinner Workshops. Follow us on social media: Facebook | LinkedIn | YouTube See omnystudio.com/listener for privacy information.

Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society.   In this episode, Justin interviews Jeff McKissack about participating and speaking at RIMS events, and his upcoming RIMS Texas Regional Conference session on August 11th in San Antonio, on the increasing overlap between reputation management and risk management. Jeff shares the critical impact of reputation risk and the growing threat of AI-generated content. He explains how even executives have caused reputational damage to their organizations, and he reveals a practical step that risk managers can take immediately to reduce the likelihood of reputation-related incidents and subsequent litigation. Justin and Jeff discuss the RIMS Texas Regional Conference, and how you can connect with Jeff after his presentation.   Listen for ways to implement reputation management strategies in your organization.   Key Takeaways: [:01] About RIMS and RIMScast. [:16] About this episode of RIMScast. We will be joined by Jeff McKissack of Defense by Design to talk all about reputation risk management. But first… [:39] RIMS-CRMP Workshop. We are delighted to announce that on August 27th and 28th, RIMS President Manny Padilla will be leading the two-day in-person workshop at St. John's University at 101 Astor Place in New York City. A link to the registration is in this episode's show notes. [:59] RIMS-CRMP Virtual Workshops. The next RIMS-CRMP Exam Prep with PARIMA will be held virtually on July 21st and 22nd. Registration links are in this episode's notes. [1:11] We have a summertime webinar. On July 16th, Zurich will present "Too Hot to Ignore: Heat-Related Injuries and Workers' Compensation." Register at RIMS.org/webinars and via the link in this episode's show notes. [1:25] Also on the webinars page, you will see a two-part series hosted by the RIMS Membership Department. The "Classroom to Career" webinar series highlights how RIMS equips students with the knowledge, skills, and connections needed to thrive in risk management careers. [1:41] Participants will gain insights into industry trends, career pathways, and practical tools that help them confidently step into the evolving world of risk management after graduation. These sessions will be hosted on September 1st and 9th. [1:55] These sessions are member exclusives and are complimentary for RIMS members, of course. So, if you are interested in becoming a member, this would be the time. Visit RIMS.org/membership. [2:04] You can enroll now in the Virtual RIMS CRO Certificate Program in Advanced Enterprise Risk Management hosted by the famous James Lam. Beginning July 15th, workshops will be held bi-weekly from 11:00 a.m. to 3:00 p.m. ET. The registration link is in the show notes. [2:28] The RIMS ERM Conference 2026 will be held on November 19th and 20th in Columbus, Ohio. Registration will open in July. Be on the lookout for the call for nominations for the RIMS ERM Global Award of Distinction. Visit RIMS.org/ERM2026 in July for that announcement. [2:49] RIMS is back on YouTube. Our handle is @RIMSOfficialChannel. We've got plenty of videos there, including RIMScast, RIMScast Canada video podcasts, and other informative and entertaining content from RIMS. Subscribe to the channel today! [3:08] On with the Show! Our guest today is the Founder of Defense by Design, Jeff McKissack, a noted authority in the fields of threat assessment and the prevention of violent crime, with over 35 years of experience. [3:22] Jeff provides continuing education seminars for those in the educational, medical, legal, financial, real estate, human resources, and risk management sectors. He is one of the favorite speakers in the RIMS Texas Chapters. [3:36] You can find him at the RIMS Texas Regional Conference 2026 on August 11th at 1:45, when he will present "How Reputation Management is Impacting Risk Management." [3:46] As you will hear in this interview, his session at the RIMS Texas Regional will dovetail with the Risks of Physical Harm and Violence. He's here to provide a preview of his session. [3:55] We talk about the Risk Management impact of social media, AI, and deepfake technologies on operations and profits, and how employee activity online and off the clock can ripple through staffing, operations, morale, productivity, profits, and brand image.  [4:10] This episode is a year in the making. Let's get to it! [4:12] Interview! Jeff McKissack, Welcome to RIMScast! [4:29] Jeff has a strong history with RIMS and the RIMS Texas Chapters. He has spoken at DFW RIMS on several occasions. Jeff Strege brought Jeff down to speak at Houston RIMS. He spoke at a couple of conferences co-hosted by South Texas RIMS. [4:59] Last year, Jeff was at the Inaugural Texas Regional RIMS Conference in San Antonio. He's there again this year. [5:15] Jeff loves RIMS, in general, because he doesn't have to explain himself. When he speaks to HR or risk management, his two favorite positions, even above the C-Suite, risk managers and HR directors totally get what he does and why.  [5:34] Jeff says the common response he typically gets is they've never met anybody who does what he does or speaks the language he speaks. He's heard it for 39 years. He loves speaking to people in risk and insurance companies because he speaks the language of liability. [5:54] Jeff does a lot of work with attorneys, as well, on both sides. He tells folks he's trilingual because of all these different industries. He's multifaceted. [6:06] Jeff talks about years of working with risk professionals and feeling their pain points. He reverse-engineers many of those scenarios. He asks, Where are the points where this could have been prevented, or at the bare minimum, mitigated? [6:43] A president of an association of independent electrical contractors called him for help. He asked, You have people working hours, in isolated locations, with expensive equipment on their trucks? What could go wrong? Without much of a push, he's able to jump in and help. [7:20] Jeff says there are only three types of businesses: businesses that have internal employees, businesses that have external employees, and businesses that have both. The risks for those three categories are very different from each other. [7:40] Jeff explains some of the differences in risks between having internal employees operating equipment and external employees in trucks on the road with equipment. There are different security concerns, risk concerns, and liability concerns. Address all the concerns. [8:16] Jeff recently saw a police video of a dump truck plowing through an intersection, with its brakes out, into a ravine. Fortunately, no one was killed. Why did the brakes give out? Who was responsible for checking them? They dodged a major bullet by nobody being injured or killed. [9:11] Jeff says he has three wheelhouses: physical risk, data risk, and reputational risk. He doesn't do active shooter training. He deals with factors that can lead to an active shooter before the shooting happens. He deals in prevention, not in reaction. [9:42] Jeff doesn't deal in cybersecurity but in data. He doesn't talk about people who hack your computers; he talks about people who hack your people. That bleeds over into reputation management. [9:57] Reputation management, with the internet and social media, has taken on a different dynamic. [10:07] Either your employees go online and self-incriminate themselves by putting something out there to the world that reflects upon your company, or they do something off the clock that can still have an impact on your company and its reputation. [10:22] Jeff mentions two courtrooms that we want to avoid: an actual courtroom, and the court of popular opinion. [11:01] Jeff says some things before social media still ended up being headline stories in the traditional media that reflected negatively upon employers. Social media has massively amplified that dynamic. [11:31] Jeff's talk is about how reputation management is impacting risk management. It will be held on August 11th at 1:45 p.m. during the RIMS Texas Regional Conference 2026. It examines how reputation management and risk management increasingly overlap. [11:53] Jeff says risk management and HR management often think that whatever happens off the clock is not on them — until it is. There was an Assistant District Attorney some months ago who walked out of a bar "two out of three sheets to the wind." [12:17] The cops wanted her to get an Uber and go home. She made a huge scene about it, captured on the bodycams. She ended up being arrested. "You don't know who I am. You can't do this to me!" The next day, not only was she fired, she lost her license. [12:33] There are YouTube channels devoted to police bodycams. People and companies suffer the reputational consequences of those videos. Once they're on YouTube, they go viral. [12:54] A lot of channels have hundreds of thousands to millions of views, reflecting on a company's public image, even though it was one of their employees off the clock. [13:40] Jeff says the biggest thing is education and training. We think people know what we know and the way we think. No, they don't. Jeff compares it to schools teaching social ills. As risk managers, you need to teach employees responsibility if you want to change their behavior. [14:40] Jeff says, Do not expect what you do not inspect. [14:50] A Quick Break! There are so many other wonderful RIMS events coming up in 2026. The Annual Florida RIMS Educational Conference will be held from July 28th through August 1st at the lovely Ritz-Carlton in Naples, Florida. A link to the event is in this episode's show notes. [15:09] Register now for the Second Annual RIMS Texas Regional Conference, which will be held from August 10th through the 12th at the Grand Hyatt on the San Antonio River Walk. Visit RIMS.org/Events for registration information. [15:26] The hotel cutoff date is July 10th. Reservations may still be made after the cutoff date subject to availability; however, the negotiated group rate is no longer guaranteed past July 10th, so reserve now. [15:40] The 11th Annual Chicagoland Risk Forum will return to the Old Post Office on Thursday, September 24th, 2026. Visit ChicagolandRiskForum.org for more information. [15:51] The RIMS Western Regional Conference will be held from October 4th through the 7th in Seattle, Washington. The agenda is live, and registration is open. Visit RIMSWesternRegional.com and the link in this episode's show notes for more information. [16:08] Save the dates October 18th through the 21st. We will be in Quebec City to celebrate the 50th Live RIMS Canada Conference. Booth sales are open, and sponsorship opportunities are still available. Advance registration is open now. [16:24] Visit RIMSCanadaConference.ca for more information. Also, remember to check out RIMS.org/Canada for our spinoff show, RIMScast Canada, hosted by National Conference Committee Chair, Aaron Lukoni. [16:39] The RIMS ERM Conference 2026 will be held on November 19th and 20th in Columbus, Ohio. Registration opens in July. [16:49] Be on the lookout for an announcement about submissions for the RIMS Global ERM Award of Distinction. Visit RIMS.org/ERM2026.  [17:00] Let's Return to Our Interview with Jeff McKissack! [17:07] Jeff says some of these reputational concerns have been C-Suite executives. Jeff just taught about a mayor arrested in Kentucky for shoplifting a $70 pair of shorts at a department store. Jeff guesses the mayor felt he was owed those shorts. [17:32] Last week, Jeff was talking about a city manager in Texas who felt it was a good idea, when she took her employees to a conference, to take them to a local strip club that night. After a few drinks, she got up on stage and started dancing around the pole. [17:46] Somebody recorded that and put it on social media, and the city manager got fired. City managers aren't easy to come by. In risk management, we have to understand that when these types of things occur, they impact multiple areas, both immediately and simultaneously. [18:05] These incidents affect staffing, operations, morale, productivity, profits, and public image. Every one of those six areas has associated dollar figures. This is why reputation management now must be taken into consideration under risk management. [18:50] Jeff says if I get an employee compromised in a controversial, scandalous, or criminal situation, whether I capture them on camera, or if I create the environment for said compromise to occur, and I set them up to be on camera, do I have them in the palm of my hand? [19:25] Reputational concerns, if they're not addressed and talked about before, and an employee gets caught in something that happens or was made to happen, it can be used as blackmail to have them do things internally because they have access that outside parties want. [20:08] About a year ago, Jeff says a case made national news of a high school principal who was facing the wrath of his community because of a racial rant he was supposedly caught saying as the principal of a school with minority students. [20:27] It came out that the athletic director had taken a digital sample of the principal's voice, maybe from a voicemail, and created an entire verbal tirade from scratch. That was proven through forensics. [20:47] Meanwhile, the principal had almost lost his job and career and was facing physical threats to his family from the public over something that had never happened. That showed Jeff we were entering a new atmosphere. [21:03] Jeff says, Sora 2, one of the newer AI video platforms,  has already been called out for causing problems for police because people are creating videos of real people committing not-so-real crimes. With AI, it looks real. [21:19] Jeff describes a hypothetical situation where an AI video would be used to charge an employee of a crime, leading to an arrest and a record. Think of the liabilities you and your company would face. None of those are cheap. [22:02] Justin asks about verifying the legitimacy of a video. Jeff says there is software out there that does a pretty good job of figuring out if this video is AI-generated. [22:32] What camera captured the action? Was it an internal, company-owned camera, or something someone supposedly captured on a phone camera? One of those is more susceptible to manipulation. [22:53] Now, you have to be a little bit skeptical. Never has there been a more important time in our history to live by the adage, "Innocent until proven guilty." Jeff says a healthy dose of skepticism is called awareness. [23:50] Everybody has vulnerabilities. The first step in preventing a lot of these things from occurring is recognizing your own vulnerabilities, stereotypes, and false premises. Jeff says stereotyping is judging based on appearances; profiling is judging based on behaviors. [24:26] Jeff says you almost have to go into this blind, deaf, and dumb to do a true, analytical, unbiased evaluation. [24:34] Sponsorships! You can sponsor a RIMScast episode for this, our weekly show, or a dedicated episode. RIMScast is proud of its longstanding relationships with AXA XL, Global Risk Consultants, Alliant, Zurich, and more. [24:57] Links to many of these episodes are in the show notes. RIMScast sponsorships can be bundled with whitepapers and webinar sponsorships. [25:04] 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! [25:18] Reach out to Ted Donovan at  TDonovan@RIMS.org or Sales@RIMS.org. Let's find the best opportunity for you and your organization. [25:30] Let's Conclude Our Interview with Jeff McKissack! [25:54] You can't do anything about the various AI generation platforms out there. People, for the most part, are using them for all the right reasons. The thing you have to be concerned about is if it's used to accuse someone of something. [26:10] Jeff describes speaking to the Society of Government Meeting Professionals. They are meeting planners for all the alphabet agencies, the Department of War, FAA, CDC, and more. Jeff has spoken at their annual conference for years. [26:26] Jeff told them, you're bringing all these people here for an annual conference at one place, at one time, under one roof. Who do you think might want to compromise someone there, so that by the time they return home, they've been puppeteered? [26:44] Jeff is getting these meeting planners to start thinking about security in a different way, and educating the people. [26:50] "Hey, we love having you here, but when you go out to bars and restaurants, here are some things you need to think of, because some people here may know who you are and what you represent by way of access." [26:38] Jeff says, if something happens, and they get lured back to a hotel room, for various things, and they get slipped a Mickey and pass out, and a couple of weeks later they get a video by text or email, they don't even know if it's a deep fake or not because they were blacked out. [27:27] These are things we all have to understand how easy it is. Jeff constantly admonishes employees, when he speaks at that level, to remember it's not about them. They may not have wealth, but they absolutely represent access to things that people want. [27:48] You have to understand that you may have a target on your back you don't realize you have. When people approach you, ask yourself, does everything that happens in Vegas stay in Vegas? Or does it stay on social media and YouTube? YouTube remembers. [28:50] Jeff shares something from his presentation. The first step is not the stopping point. The first step is "Do you have a social media agreement in writing that your employees have signed?" If not, you, HR, and your General Counsel need to get together and word-smith it, ASAP. [29:18] Jeff says he talked to a VP of a company with over 8,000 employees. When the VP was hired as a VP, he was paid to sign two documents. He was paid $50 to sign the NDA, so he wouldn't take the sales list if he left. He was paid $100 to sign their social media agreement. [29:39] The company was more concerned about him doing something that impacted its public image than about taking the client list. First step is to wordsmith that agreement and how you incorporate it into a Code of Conduct as far as the off-the-clock expectations. [30:08] Jeff shares a case from New York City where a young sitting judge had an OnlyFans page. He was fired for it and tried to fight it. He lost because the verbiage in the City Manual for his position said: "extra-judicial activities … do not detract from the dignity of judicial office." [31:02] Jeff spoke at a risk management conference. He showed three lawsuits that were settled in the last two weeks: $125K, $225K, $485K for employees at state and government universities, entities, and institutions over the Charlie Kirk assassination. They had been fired.  [31:20] They came back and sued for wrongful termination and got settlements because there was nothing written that dictated employee behaviors online. [31:45] You've got to have the paper trail or digital trail. If it's not in the Employee Handbook, add it as an addendum they sign, and put it in their file. [31:57] Next year, when new hires come on board, have it as part of the Employee Handbook, whether it's the social media agreement and/or your expectations/code of conduct. At the bare minimum, have those things in order. That's your starting point. [32:40] Jeff says when you hire someone, treat the Handbook like the Apple Agreement. Going into detail about the policy is best addressed in education and training. [32:59] Jeff talks not only to executives but also to employees. The biggest thing he is trying to get HR, Risk Management, and the C-Suite to understand is that if you're going to alter the behaviors, you've got to teach them what to do otherwise. [33:30] You're not going to get your employees to go cold-turkey on social media, but you can teach them to apply critical thinking skills so that they police themselves and you don't have to. [33:45] You have to do it in a way that tells them what's in it for them. People expect them to come home with a paycheck. Tell them all their plans can be interrupted if they do something foolish now. [34:39] Sometimes, Jeff does not have time in the session to take questions from the audience. He always tells folks he'll be around in the hallways because they may have questions they don't want to ask in front of everybody else there. Or, reach out to him on LinkedIn, or call him. [35:22] In this arena, a lot of people don't want to put out their concerns. Justin says Jeff is very approachable. He wears a hat, and it has become a branding point for him. Justin asked him for a headshot with the hat, to make him more recognizable, because people know him in Texas. [36:58] Justin asks about other cases involving social media outside of work. Jeff refers to the city manager who was let go because of a pole dance that showed up on YouTube, and the shoplifting mayor, also on YouTube. The judge had a side gig that was questionable behavior. [37:35] Jeff says some teachers have been fired over video where they had their kids in the background in the classroom while they were twerking, or dancing with kids. One teacher had his students give him a haircut in the classroom. [37:51] Jeff recalls the wording cited from the City Handbook about the dignity of the office. That covers a lot. Things like that are subjective, but most people know it when they see it. [38:15] Justin asks if we're in a society where you have to live your life assuming that everything is going to be broadcast? Jeff wouldn't say broadcast, but at least captured on camera. [38:25] When Jeff is doing employee training, he goes through cameras that are on the market. You're only thinking of the cameras you see. You are not thinking of cameras that could be out there, recording you. The ATM captures you and looks across the street. [38:52] When Jeff parks in maybe a questionable area, he always tries to find a Tesla. On average, there are seven or eight cameras around that Tesla. He'll take a picture of the license plate of the Tesla next to him, so if anything happens, he can give the picture to the cops. [39:38] Jeff says he relays to people, executives and employees alike, strategies, critical thinking. How do you use technology to your favor instead of having it used against you? [39:51] Jeff McKissack, thank you so much for joining us here on RIMScast. Jeff says he is looking forward to seeing you all in August! [39:58] Special thanks again to Jeff McKissack of Defense by Design. Be sure to attend his session at the RIMS Texas Regional Conference in San Antonio at the Grand Hyatt on the San Antonio River Walk on August 11th. [40:13] Jeff McKissack will deliver the presentation, "How Reputation Management is Impacting Risk Management," at 1:45 p.m. Be sure to follow up with him in the hallways afterwards and let him know that you heard him here on RIMScast. [40:27] Plug Time! 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. [40:44] 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. [41:00] 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. [41:14] 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. [41:26] Practice good risk management, stay safe, and thank you again for your continued support!   Links: RIMS Texas Regional Conference 2026 | Aug. 10‒12 in San Antonio | Register Now! RIMS Risk Management Magazine | Contribute | Q2 2026 Issue Now Available RIMScast on YouTube! 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RIMS, the Foundation for Risk Management The Strategic and Enterprise Risk Center RIMS Diversity Equity Inclusion Council RIMS-CRMP Stories RIMScast Canada — Episodes Now Live RISK PAC | RIMS Advocacy Defense by Design Upcoming RIMS-CRMP Virtual Workshops: RIMS-CRMP Exam Prep with PARIMA — Virtual — July 21‒22, 2026 RIMS-CRMP Exam Prep Workshop — Live In NY — Aug 27‒28! Full RIMS-CRMP Prep Course Schedule See the full calendar of RIMS Virtual Workshops   Upcoming RIMS Webinars: RIMS.org/Webinars "Too Hot To Ignore: Heat-Related Injuries and Workers' Compensation" | July 16 | Presented by Zurich "RIMS Student Series: Classroom to Career Part 1" | Sept 1 "RIMS Student Series: Classroom to Career Part 2" | Sept 9   Related RIMScast Episodes: "Strategy and Change with Ward Ching and Aaron Olson" "Mid-Year Risk Roundup 2026 with Morgan O'Rourke and Hilary Tuttle" "Live From Texas 2025!" "Leadership Lessons with Major General (Ret.) Robert F. 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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 Manny Padilla!   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: Jeff McKissack, President, Defense By Design   Production and engineering provided by Podfly.  

Joining the show are Raymond Chung, founder and CEO of AcreHedge, Chief Technology Officer Todd Larson, and Chief Media Officer (and returning guest) Zoe Kent. Together they explain how prediction markets work, why they're gaining popularity, and how they could eventually become another valuable tool alongside crop insurance and traditional marketing strategies. Ray shares how his background on Wall Street combined with years operating one of the nation's largest edamame processing businesses led him to create AcreHedge. Todd explains how modern AI accelerated development of the platform while maintaining enterprise-level quality, and Zoe discusses using her own farming operation as the first public market on AcreHedge. The discussion covers: What prediction markets actually are—and what they are not How "wisdom of the crowd" often produces remarkably accurate forecasts Why prediction markets differ from sports betting or casino gambling Filling risk management gaps left by traditional crop insurance Weather, disease, commodity price, acreage, and yield-related markets Real-world examples using New World Screwworm, corn prices, and USDA acreage reports How farmers can use markets to express opinions while managing financial risk AI's growing role in agriculture and software development Why agriculture deserves specialized prediction markets built by people who understand farming The group also has plenty of fun discussing edamame, Skittles, weather forecasting, rock picking, farm influencers, and brainstorming future prediction markets that could keep both farmers and agriculture enthusiasts engaged. Whether you're interested in grain marketing, crop insurance, technology, finance, or simply enjoy learning about innovative ideas shaping agriculture, this episode offers an early look at what could become an entirely new category of farm risk management. Want Farm4Profit Merch? Custom order your favorite items today!https://farmfocused.com/farm-4profit/ Don't forget to like the podcast on all platforms and leave a review where ever you listen! Website: www.Farm4Profit.comShareable episode link: https://intro-to-farm4profit.simplecast.comEmail address: Farm4profitllc@gmail.comCall/Text: 515.207.9640Subscribe to YouTube: https://www.youtube.com/channel/UCSR8c1BrCjNDDI_Acku5XqwFollow us on TikTok: https://www.tiktok.com/@farm4profitllc Connect with us on Facebook: https://www.facebook.com/Farm4ProfitLLC/Farm4Profit Media is not a financial, legal, or tax advisor. Content is provided for informational purposes only, and we serve solely as a platform for third-party opinions. Any actions taken based on this content are at your own risk. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this podcast, Ricardo argues that many projects are not actually late; instead, their schedules were unrealistic from the beginning. He explains that organizations often approve aggressive timelines to satisfy executives, budgets, or customer expectations, only to blame the project team when those plans fail. Ricardo emphasizes that early estimates are always surrounded by uncertainty, making unrealistic forecasts a planning problem rather than an execution issue. While artificial intelligence can quickly generate detailed schedules, its results are only as reliable as the assumptions behind them. Therefore, project managers must challenge deadlines and question key assumptions before approval. Effective planning requires honesty about risks, constraints, capacity, and uncertainty, because expectations alone do not deliver projects—people executing realistic plans do.

Neste podcast, Ricardo questiona uma crença comum no gerenciamento de projetos: nem todo projeto está atrasado; muitas vezes, o cronograma era inviável desde o início. Ele explica que organizações frequentemente aprovam prazos irreais para atender expectativas, orçamentos ou pressões políticas, transferindo depois a responsabilidade para a equipe. Ricardo destaca que previsões iniciais sempre envolvem incertezas e que culpar a execução por falhas de planejamento é um erro. Embora a inteligência artificial ajude a criar cronogramas, ela depende de premissas realistas. Por isso, o gerente de projetos deve desafiar prazos e questionar hipóteses antes da aprovação. Planejar exige honestidade sobre riscos, restrições, capacidade e incertezas, pois expectativas não entregam projetos; pessoas, trabalhando com planos realistas, sim.

How good is your consent for orthodontics — really? More adults are having ortho, and more GDPs are providing it. So which risks should you be discussing with every single patient — and which ones depend on the person in the chair? When a case is heading for a big overjet or a tricky rotation, is that a conversation you have at the start, or one you scramble to explain halfway through? And what actually makes a consent form legally valid — the signature, or everything around it? This episode brings together two perspectives you don't often hear in the same room. Dr Zaid Esmail is a specialist orthodontist and founder of the Online Orthodontic Academy, who mentors GDPs through fixed and aligner cases. Dr Neel Jaiswal  returns for the dento-legal view — he's a dentist and the founder of Professional Dental Indemnity (PDI). Together with Jaz, they get very specific about what individualised consent looks like in practice, and how to build a process your patients remember and a court respects. https://youtu.be/YvsiIiX1Q1w Watch PDP273 on YouTube Protrusive Dental Pearl: Make Your Patient Feel Unique It might be your 100th, 500th or 1,000th case — but for the patient in the chair, this is a significant event. Never forget that. A routine extraction is routine for you; for them it's a big deal, and remembering that makes you a better communicator. To make a specific risk stick, make the patient feel unique. Point to their OPG: “Your sinus here is actually really interesting,” or “Did you know your roots are unusually long?” Patients remember a risk framed as if they're a special case far better than a generic warning. Make it personal, and the consent becomes memorable. What You'll Take From This Episode The whole episode turns on one idea: generic, templated consent is no longer defensible — the skill is individualising the form to the patient in front of you. Premium members get the full breakdown; here's the shape: The layers of valid consent — consent is like an onion; a signed form and a documented conversation each cover a gap the other leaves open. Individualising risk from the records — how the OPG and photos turn a generic warning (resorption, devitalisation, recession, relapse) into a patient-specific one. The two-appointment consent flow — records, individualised risks, thinking time, and why you sign or initial every line. The Class II Div 2 overjet trap — the case that looks like simple crowding and ends in a big overjet, and how to consent for it before you start. When to treat, add an option, or refer — the GDC line on offering all options, and building alternatives into the form. Highlights of This Episode: 00:00  Teaser 01:01  Consent in Orthodontics: Why It Has to Be Individualised 02:59  Protrusive Dental Pearl: Make Your Patient Feel Unique 07:58  What Makes Orthodontic Consent Different 10:08  How Much Ortho Litigation Comes From Consent? 11:53  What Makes Consent Valid and Patient-Specific 12:26  Individualising Ortho Risk from the OPG 13:11  Using the ClinCheck as a Consent Tool 14:40  How to Structure the Consent Appointment 15:30  Root Resorption, Devitalisation, Recession and Relapse 19:37  Should You Initial Every Line of a Consent Form? 21:50  Midroll 27:11  Building a Multi-Layered Consent Process 29:31  Consenting for Fees, Relapse and Retainers 34:41  The Class II Div 2 Overjet Trap 37:51  When Should a GDP Refer an Ortho Case? 40:31  How to Learn Orthodontics with Mentorship 47:01  Outro Dr Zaid Esmail is a specialist orthodontist. He founded the Online Orthodontic Academy to teach GDPs orthodontics — assessment, diagnosis and treatment planning across fixed appliances and aligners — with one-to-one case mentorship. He's extended a 10% discount to the community with the code PROTRUSIVE.

SPONSORED BY NURP Nurp is algorithmic trading designed specifically for busy professionals who don't have time to watch markets. Check out http://www.start.nurp.com/doctors  to learn more. --- Physicians are constantly pitched the next "can't miss" investment opportunity—but how do you separate legitimate strategies from financial hype? In this sponsored episode, Drs. Tim and May Hindmarsh sit down with Jeff Sekinger, founder of NURP, to unpack algorithmic trading, quantitative investing, and where alternative investments may fit into a physician's overall financial strategy. Jeff explains how institutional-style trading technology differs from traditional investing, why emotional investing often hurts long-term returns, and how busy professionals can explore quantitative trading without actively managing every trade themselves. As always, this conversation is educational—not financial advice—and encourages listeners to ask questions, do their own research, and make informed decisions.   In This Episode Why physicians are frequently targeted by investment marketers What algorithmic (quantitative) trading actually is How institutional investors use automated trading systems The difference between hedge funds and licensed trading technology Why diversification goes beyond stocks and bonds Understanding alternative investments Managing risk with predefined controls Liquidity versus locked-up investments Tax considerations for active trading Using demo accounts before investing real money Where algorithmic trading may fit within a long-term portfolio Key Takeaways Algorithmic trading removes emotion. Trading decisions are based on mathematical models and historical testing rather than fear, hype, or headlines. Alternatives should remain a small allocation. Rather than replacing traditional retirement investing, alternative strategies may serve as a complement within a diversified portfolio. Risk management matters. The discussion emphasizes setting predefined loss limits, adjusting position sizing, and understanding volatility before investing. Education comes first. Listeners are encouraged to learn how any investment works before committing capital—and to test strategies using demo accounts whenever possible. Physicians deserve better financial education. Medical training prepares physicians to care for patients—not necessarily to manage wealth. Understanding investment basics can lead to better long-term financial decisions.   Resources Mentioned NURP Demo Platform Modern Portfolio Theory (MPT) Efficient Frontier Quantitative (Algorithmic) Trading Gold Momentum Trading Strategies Section 1256 Tax Treatment Roth IRA vs. Taxable Brokerage Accounts Sponsor Disclosure   This is a sponsored episode featuring NURP. Sponsorship does not influence the hosts' questions or opinions. Nothing discussed in this episode should be considered financial, legal, or tax advice. Always conduct your own research and consult qualified professionals before making investment decisions Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

What separates companies that recover from a crisis from those that collapse overnight?In this episode of Corporate Finance Explained, we explore the role of crisis management, corporate trust, and crisis communication in protecting shareholder value and long-term business success. Through real-world case studies, we examine why communication during a crisis is far more than public relations. It is a strategic financial asset that can determine whether a company survives or fails.Using examples including Silicon Valley Bank, Credit Suisse, Johnson & Johnson's Tylenol crisis, and Starbucks' 2008 turnaround, we break down how trust influences investor confidence, customer loyalty, liquidity, and corporate resilience.

Retirees struggle to transition from "hustling" and "hoarding" to "harvesting." It's costing them time. It's limiting their experiences and relationships. This isn't good. We need to understand why.  Looking for a financial planner?  → PlanWithJesse.com Jesse is joined by Frank Vasquez—retired attorney, creator of Risk Parity Radio, and one of the most distinctive voices in the retirement planning space—for a wide-ranging conversation about building resilient portfolios, spending confidently in retirement, and avoiding the traps that keep investors working longer than they need to. Frank explains the philosophy behind risk parity investing, arguing that most traditional portfolios are far less diversified than investors realize and that true diversification requires balancing different types of assets and risks rather than simply owning more stocks. The discussion explores the difference between accumulating wealth and learning to spend it, why many retirees struggle to transition from "hustling" and "hoarding" to "harvesting," and how fear often prevents people from enjoying the wealth they've spent decades building. Frank also shares his views on safe withdrawal rates, retirement income flexibility, and the importance of designing a financial plan that supports the life you actually want to live. Throughout the conversation, Jesse and Frank challenge conventional wisdom around retirement, emphasizing that the goal is not to die with the largest portfolio possible, but to use money intentionally to create a meaningful, enjoyable, and financially secure life. Key Takeaways: • Frank describes three phases of wealth: hustling, hoarding, and harvesting. • The ultimate purpose of wealth is to support a fulfilling life, not simply maximize account balances. • Traditional stock-heavy portfolios may not be as diversified as investors assume. • Asset allocation decisions should reflect an investor's ability to stay invested during market stress. • Market uncertainty never disappears, regardless of economic conditions. • The goal is not to win the game of accumulation forever—it is to eventually enjoy the rewards of what you've built. Key Timestamps: (01:59) – Why Risk Parity (06:35) – Three Hs Framework (16:55) – What Is Risk Parity? (24:00) – Beyond Stocks and Bonds (27:55) – Managed Futures Explained (30:44) – Gold Skepticism Debate (42:34) – Long-Term Rebalancing 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://www.riskparityradio.com/ Mentions: https://earlyretirementnow.com/2020/01/08/gold-hedge-against-sequence-risk-swr-series-part-34/   https://www.riskparityradio.com/episode-guide  More of The Best Interest: Check out the Best Interest Blog at https://bestinterest.blog/ Contact me at jesse@bestinterest.blog Need a financial planner?  → PlanWithJesse.com  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.

Farm risk management goes far beyond crop insurance.   In this episode, Amy Crozier sits down with Mathieu Lipari, National Risk Management Lead at Farm Management Canada, to explore what risk management really means and how a whole-farm approach can help drive success.   From trade uncertainty and climate challenges to farm transition planning and financial management, they discuss the risks facing agriculture today and how farmers can identify, assess and prioritize them.   Learn how proactive strategies, strong planning and a better understanding of your farm's financials can improve resilience, profitability and confidence in an uncertain environment. Plus, Mathieu shares tools and resources that can help you start identifying and managing risks across your operation.   Looking for the latest in crop nutrition research? Visit nutrien-ekonomics.com   Subscribe to our YouTube channel: https://www.youtube.com/@NutrieneKonomics

Joe Giglio and Hugh Douglas analyze potential Phillies trade targets like Jake McCarthy and debate Jalen Hurts' risk-aversion under Nick Sirianni. They also laugh at Juan Soto's defensive struggles and a viral body cam clip of Diana Russini attempting to get out of a traffic ticket. The Midday Show concludes the segment with a memorable call from Richard, who shares his recent attempts at finding love at Starbucks. 02:10 - Phillies Trade: Jake McCarthy 09:23 - Jalen Hurts Risk Debate 14:21 - Trea Turner Trade Poll 28:40 - Soto Errors & Russini Stop 33:50 - Richard's Chaotic Starbucks Call 39:40 - Quarterback Passer Rating Analysis

Send us Fan MailIn Fraud in the Office S3 E15: Busy Little Bees, Matthew is flying solo to explore how both sides are busy little bees. Fraudsters are constantly buzzing from program to program looking for weak controls to exploit, while organizations and government agencies are busy trying to respond after the damage is already done.With estimates of $500 billion to $1 trillion in fraud losses every year, Matthew examines why the real story isn't just the criminals—it's the systems that made the fraud possible. Featuring examples from healthcare and government fraud, discussions around the FBI's new Most Wanted Fraudsters list, and lessons in governance, identity management, segregation of duties, and accountability, this episode asks a difficult question:Should accountability stop with the fraudster, or should it also include those responsible for designing and maintaining systems with preventable control weaknesses?An ounce of prevention isn't just worth a pound of cure—it may be worth hundreds of billions of taxpayer dollars.Support the showFind us on all streaming platforms! Check out our sponsor 1Trooper on LinkedIn @1TrooperAnd don't forget to subscribe!

This bonus episode expands on the themes discussed in Episode 4 by taking a closer look at the practical safety challenges facing data center operators and EHS professionals. The conversation highlights how rapidly changing technologies are reshaping the data center environment. From AI-driven computing infrastructure and evolving cooling requirements to the widespread use of lithium-ion batteries, organisations must continually reassess risks and adapt operational controls. While many hazards are familiar, the scale and speed of technological change require safety professionals to remain agile and closely connected to operational teams. The discussion also highlights the growing use of technology to improve safety outcomes, including battery monitoring systems, video-based ergonomics assessments, and procedural compliance monitoring. A key theme throughout the episode is organisational complexity. Data centers often involve multiple stakeholders, including property owners, tenants, contractors, and end users, creating challenges around accountability, communication, and risk ownership. Success depends on strong collaboration, clear governance structures, and open communication between all parties involved. Looking ahead, the future of data center safety will require continuous learning, close collaboration between safety and environmental professionals, and a proactive approach to understanding emerging technologies. As data centers continue to grow in scale and importance, maintaining safe and resilient operations will become increasingly critical.

SQL is one of the most valuable technical skills for finance professionals, business intelligence analysts, and data analysts. But once you've mastered the basics, how do you write cleaner, more scalable queries that support real business decisions?In this episode of What's New at CFI, Meeyeon sits down with CFI instructor Joseph Yeates to discuss CFI's new Advanced SQL for Analysts course. They explore how advanced SQL helps analysts move beyond answering individual questions to building flexible, reusable data models that support reporting, dashboards, and business intelligence workflows.Whether you're working in Excel, Power BI, Python, or directly with SQL databases, this course is designed to help you collaborate more effectively with data engineering teams, organize complex SQL queries, and build stronger data analysis skills.

Innovation comes in many areas and compliance professionals need to not only be ready for it but 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 visits with Kunal Chopra, CEO of Certivo, an AI-native regulatory intelligence and compliance management platform for supply chains.    Chopra recounts his tech and supply-chain background (Amazon, Microsoft, Groupon, prior CEO roles) and explains his insight that compliance is fundamentally about market access and revenue protection, not box-checking. He describes how global regulations are increasing in scope, enforcement, fines, and deadlines, creating repeated, deadline-driven scrambles and visibility gaps for executives. Certivo aims to flip compliance from reactive to proactive by identifying applicable regulations by market and product, ingesting product data from systems like ERP/PLM, and using AI to coordinate supplier documentation, read unstructured files, extract data, and map evidence to rules while leaving deterministic compliance decisions to rules-based logic to avoid hallucinations. The platform supports scenario analysis for supply disruptions, continuous monitoring as rules change, and predictive preparation for emerging regulations, helping compliance leaders align with sales, marketing, and operations as revenue enablers.  Key Highlights  ·      Compliance as Market Access ·      Visibility Gaps and Scrambles ·      Who Owns the Risk ·      How Certivo Works ·      Preventing AI Hallucinations ·      Scenario Planning Supply Chain ·      Continuous Monitoring and Prediction Resources  Connect with Kunal Chopra on LinkedIn Certivo Innovation in Compliance was recently honored as the Number 4 podcast in Risk Management by 1,000,000 Podcasts  

This week, we're joined again by Jake Luigi! Jake is a jiu-jitsu analyst who made his name studying professional match footage, and he runs OutlierDB, an analytics database for grappling. In this episode, Jake lays out a three-part framework for managing risk: name the worst-case scenario, watch for the key indicators that it's coming, and only attack hard once those indicators are in your favor. Topics include: risk-reward analysis, points of control, grip fighting, terminal positions, and Goodhart's Law.Subscribe to Less Impressed More Involved on YouTube:https://www.youtube.com/@LIMIBJJCheck out OutlierDB:https://outlierdb.comMental models discussed in this episode:Return on Investmenthttps://bjjmentalmodels.com/return-on-investmentBuilding Your Triggershttps://bjjmentalmodels.com/building-your-triggersDouble Troublehttps://bjjmentalmodels.com/double-troubleCognitive Loadhttps://bjjmentalmodels.com/cognitive-loadConstraints-Led Approachhttps://bjjmentalmodels.com/constraints-led-approachAvailability Heuristichttps://bjjmentalmodels.com/availability-heuristicPoints of Controlhttps://bjjmentalmodels.com/points-of-controlTerminal Positionshttps://bjjmentalmodels.com/terminal-positionsInvariantshttps://bjjmentalmodels.com/invariantsGrips Dictate Positionhttps://bjjmentalmodels.com/grips-dictate-positionKuzushihttps://bjjmentalmodels.com/kuzushiRotational Controlhttps://bjjmentalmodels.com/rotational-controlGoodhart's Lawhttps://bjjmentalmodels.com/goodharts-law⬆️ LEVEL UP with BJJ Mental Models Premium!The world's LARGEST library of jiu-jitsu audio lessons, our complete podcast network, online coaching, and much more! Your first week is free:https://bjjmentalmodels.comNeed more BJJ Mental Models?Get the legendary BJJMM newsletter:https://bjjmentalmodels.com/newsletterLearn more mental models in our online database:https://bjjmentalmodels.com/databaseFollow us on social:https://instagram.com/bjjmentalmodelshttps://threads.com/@bjjmentalmodelshttps://bjjmentalmodels.bsky.socialhttps://youtube.com/@bjjmentalmodelsMusic by Enterprize:https://enterprize.bandcamp.com

What can classic vacation movies teach us about building stronger, smarter supply chains? In this episode, Scott W. Luton welcomes back Mike Griswold, Vice President Analyst at Gartner, for another fun and insightful edition of Supply Chain Today and Tomorrow. With summer vacation season in full swing, Scott and Mike take a creative look at the supply chain and leadership lessons hidden inside classic vacation themed movies, from Vacation and Home Alone to Jurassic Park, Jaws, Planes, Trains and Automobiles, and Apollo 13. Mike breaks down three major themes every supply chain leader should keep in mind: preparing for disruption, improving visibility, and understanding how human factors drive outcomes. They also discuss the ongoing impact of AI on operating models, organizational design, talent strategy, and practical adoption. Mike shares why AI is no longer a question of “if,” but “how,” emphasizing the importance of augmentation over automation and the continued need for human oversight. From planning for disruption and avoiding single points of failure to listening to frontline warning signs and keeping teams focused during a crisis, the conversation delivers timely, actionable insights for leaders navigating today's complex supply chain environment with creativity, clarity, and resilience. Jump into the conversation: (00:00) Intro (02:03) Mike's favorite vacation story (04:34) Listener mail and practical AI adoption (08:29) Changing the CSCO perception (11:30) Supply chain lessons from classic movies (12:29) What National Lampoon's Vacation teaches about disruption (17:21) What Home Alone teaches about visibility gaps (23:11) What Jurassic Park teaches about human factors (26:13) Apollo 13 and leadership under pressure (32:09) Gartner events and the Top 25 preview Additional Links & Resources: Connect with Mike Griswold: https://www.linkedin.com/in/mike-griswold-6a68922/ Learn more about Gartner: https://www.gartner.com/ Learn more about the Gartner Supply Chain Top 25: https://www.gartner.com/en/supply-chain/research/supply-chain-top-25 Learn more about our hosts: https://supplychainnow.com/about Learn more about Supply Chain Now: https://supplychainnow.com Watch and listen to more Supply Chain Now episodes here: https://supplychainnow.com/program/supply-chain-now Subscribe to Supply Chain Now on your favorite platform: https://supplychainnow.com/join Work with us! Download Supply Chain Now's NEW Media Kit: https://supplychainnow.com/media-kit/ WEBINAR- Peak Reality Check: What Shippers, Analysts, and AI Models Are Predicting for 2026: https://bit.ly/4aTlsRv WEBINAR- The Future of Supply Chains: Where Talent Meets Technology: https://bit.ly/4uUuxkc This episode was hosted by Scott Luton and produced by Trisha Cordes, Joshua Miranda, and Amanda Luton. For additional information, please visit our dedicated show page at: https://supplychainnow.com/supply-chain-lessons-vacataion-movies-pop-culture-chaos-1602 The content in this video, including all audio, visuals, and graphics, is the property of Supply Chain Now and is protected by copyright law. Unauthorized use, reproduction, distribution, modification, or re-uploading of this content in any form is strictly prohibited without explicit written permission from Supply Chain Now.  For licensing inquiries or permissions, please contact us at production@supplychainnow.com © 2026 Supply Chain Now. All rights reserved. The content in this episode, including all audio, videos, visuals, and graphics, is the property of Supply Chain Now and is protected by copyright law. Unauthorized use, reproduction, distribution, modification, or re-uploading of this content in any form is strictly prohibited without explicit written permission from Supply Chain Now.For licensing inquiries or permissions, please contact us at production@supplychainnow.com© 2026 Supply Chain Now. All rights reserved. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Social media can be a powerful tool for networking, education, and advocacy—but one post, comment, or direct message can create ethical concerns and professional liability. In this episode, we discuss practical guidelines for maintaining professional boundaries online, protecting client confidentiality, and avoiding common social media mistakes that can put your reputation and license at risk.In this episode, you'll learn:Common social media mistakes social workers makeTips for maintaining professional boundaries and protecting confidentialityBest practices for building an ethical online presenceWhether you're active on Instagram, Facebook, TikTok, LinkedIn, or just thinking about posting more, this episode will help you navigate social media with confidence and professionalism.Our guest Jennifer Flynn, CPHRM, is Vice President of Risk Management for Healthcare Providers Service Organization of Aon's Affinity Insurance Services, Inc. Specializing in risk management and having worked in the health care insurance business for over 21 years, Jennifer is dedicated to educating health care professionals on professional liability risks and offers strategies to mitigate those risks by supporting patient safety principles and developing quality management programs. In addition to being a frequent national speaker on healthcare risk and liability, Jennifer is also a published author on various risk management topics. Jennifer is a Certified Professional in Healthcare Risk Management and is a licensed Property & Casualty agent. She earned a BA in Psychology from Arcadia University in Glenside, Pennsylvania.____________________________________⁠⁠⁠⁠Tap Here to Subscribe⁠⁠ to the Social Workers, Rise! Email Resource List⁠⁠⁠⁠Tap Here⁠⁠ to shop career courses for Social Workers.____________________________________Thank you to our SPONSORS⁠HPSO⁠ Professional liability insurance designed for healthcare providers⁠RISE Directory⁠ for Clinical Supervision

In this episode, Ricardo challenges whether traditional two-week Agile sprints still make sense in an era where AI agents can develop, test, review, and improve software in minutes. While Agile principles such as collaboration, adaptability, and customer focus remain essential, their execution may need to evolve. As AI dramatically accelerates software development, the main bottleneck shifts from execution to human decision-making, including prioritization, validation, quality assurance, and risk management. This transformation questions the relevance of fixed sprints, story points, and traditional Agile ceremonies. Ricardo suggests that project managers will increasingly orchestrate AI-driven workflows instead of managing tasks, arguing that human judgment will remain the key competitive advantage in teams where people and AI agents work together. Listen to the podcast to learn more!

Neste episódio, Ricardo questiona se os tradicionais sprints de duas semanas ainda fazem sentido em um cenário em que agentes de inteligência artificial desenvolvem, testam e corrigem software em minutos. Embora os princípios do Agile permaneçam essenciais, sua execução pode precisar ser reinventada. Com a IA acelerando a implementação, o principal desafio deixa de ser a execução e passa a ser a tomada de decisões, como definir prioridades, validar resultados, garantir qualidade e gerenciar riscos. Nesse novo modelo de desenvolvimento contínuo, o gerente de projetos deixa de controlar tarefas e passa a orquestrar agentes e fluxos de trabalho. O julgamento humano continua sendo o principal diferencial para gerar valor. Escute o podcast para saber mais!

You've got the retirement numbers all figured out. You're set. But - how will you fill your time on random Tuesday in Year 4 of retirement? Do you have that kind of "soft stuff" figured out? If not, this episode is for you.  Looking for a financial planner?  → PlanWithJesse.com In this episode, Jesse challenges the traditional, finance-centric view of retirement by arguing that long-term financial readiness is only part of the equation, and that the real risks often emerge in the softer domains of identity, relationships, and daily structure once work disappears. He begins by examining identity loss in retirement, highlighting how deeply career roles anchor meaning and how the transition away from a professional identity can trigger confusion or even depression, especially for high-achieving individuals, before introducing practical exercises like writing a retirement bio and deliberately defining post-career roles that create purpose and accountability. He then turns to relationships, emphasizing that work provides an often invisible social infrastructure built on proximity, repetition, and shared mission, and warns that many of these connections do not survive retirement unless intentionally replaced through external communities, recurring activities, and honest planning with a partner about post-work social life. In the third pillar, structured time, he explores how the loss of externally imposed schedules can lead to boredom, drift, and overreliance on low-value distractions like social media, arguing instead for a flexible "retirement rhythm" made up of consistent anchors such as morning routines, physical activity, social commitments, and long-term projects that provide shape without rigidity. He then expands into a series of behavioral and psychological pitfalls—including the end-of-history illusion, arrival fallacy, hedonic adaptation, productivity compulsion, and competence withdrawal—each illustrating how retirees misjudge their future preferences, overestimate lasting satisfaction, or struggle with the loss of daily mastery and external validation. He concludes by reframing retirement success as a system of intentional design rather than passive financial achievement, stressing that while portfolios may fund retirement, it is identity, connection, and structure that ultimately determine whether that retirement feels meaningful or disorienting.  Key Takeaways: • Retirement readiness is not only financial; psychological and structural factors often dominate outcomes. Defining 2–3 meaningful roles creates structure and accountability in retirement. • Workplace relationships are largely built on proximity and do not automatically persist. Retirees should intentionally build non work social networks before leaving work. • Retirement removes external scheduling pressure, increasing risk of aimlessness. • Core weekly anchors include routine, physical activity, social ties, and projects. • Psychological biases like the arrival fallacy and hedonic treadmill distort expectations of retirement satisfaction. • Successful retirement depends on deliberately designing identity, relationships, and structure—not assuming they will emerge automatically. Key Timestamps: (02:50) – 1: Identity (05:10) – Write Your Retirement Bio (06:53) – Identify 2 or 3 Roles for Yourself in Retirement (08:50) – 2: Relationships (12:05) – Audit Your Work Social Life (14:00) – Invest in Relationships Outside of Work (15:12) – 3: Structured Time (16:44) – Where Does the Time Go? (18:46) – Developing a Rhythm for Your Time (21:05) – Draft Your Retirement Week Rhythm (22:44) – Example Schedules (26:07) – Pitfalls and Blind Spots (26:22) – The End of History Illusion (27:34) – The Arrival Fallacy (28:20) – The Hedonic Treadmill (28:53) – The Productivity Trap (29:21) – Competence Withdrawal (30:31) – Don't Put It Off (31:54) – Episode Summary 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://iea.org.uk/in-the-media/press-release/retirement-causes-a-major-decline-in-physical-and-mental-health-new-resea/ https://onlinelibrary.wiley.com/doi/abs/10.1002/job.2438 https://www.wsj.com/tech/personal-tech/retirement-social-media-addiction-befe32b4   More of The Best Interest: Check out the Best Interest Blog at https://bestinterest.blog/ Contact me at jesse@bestinterest.blog Need a financial planner?  → PlanWithJesse.com  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.

On Today's Show: To support and subscribe: https://thehotshotwakeup.substack.com/The U.S. Department of Agriculture's Forest Service, along with the Department of the Interior, today announced new steps to reduce hazardous exposure for federal wildland firefighters. These actions include expanded access to N95 respirators on the fireline, required training, and standardized decontamination protocols, such as showers and Nomex cleaning.There is also direction on reducing exposure to extended periods of mop-up. I welcome Erin Phelps, Deputy Director of Risk Management with the Forest Service, to discuss everything in the release. Erin is no stranger to the fireline, working on engines, Hotshot crews, and as a rappeller before taking a more direct role in policy and management. There is a lot to cover, and plenty of questions. Deputy Director Phelps helps answer those questions and provides all the details on what it will look like moving forward. The Hotshot Wake Up is 100% listener and reader supported. No ads, no sponsorships. Thank You.

Markets are near highs, but momentum is slowing, breadth remains narrow, buybacks are entering blackout periods, and investors are looking for ways to participate in gains without exposing themselves to a major drawdown. Lance Roberts & Jon Penn discuss practical portfolio protection strategies that don't require moving entirely to cash. Here's a topical rundown of today's show: 0:00 - INTRO 0:58 - End of Quarter Rebalancing Begins 4:25 - Markets to Retest 50-DMA 9:17 - How to Stay Invested Without Getting Burned 14:19 - Take Some Profits & Stay Disciplined 16:10 - Two Camps of Space-X 23:34 - The AI/Industrial Revolution 20:45 - The market is changing how we manage money 27:39 - Avoiding Catastrophic Loss of Capital 30:35 - 15 Rules of Risk Management 31:47 - How to Hedge Your Portfolio 36:21 - The Risk in Trading 40:14 - Bull markets Breed Confidence 43:42 - Be Careful of Narratives vs Market Behavior 45:24 - Remember How You React to Market Downturns (pain) 47:56 - Hedging Your Portfolio is not a Binary Issue Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/donQO1t_hLs ------- Watch our previous show, "hen Money Flows Meet a Hawkish Fed" https://youtube.com/live/UYxvj5axVTQ ------- Watch today's "Before the Bell" feature, "Quarter-End Rebalancing Hits Markets," here: https://youtu.be/REkG7SgcVhw ------- Articles mentioned in this report: "The Technical Backdrop: When Flows Meet a Hawkish Fed: https://realinvestmentadvice.com/resources/blog/the-technical-backdrop-when-flows-meet-a-hawkish-fed/ "Kevin Warsh And The End Of The Fed's "Forward Guidance" https://realinvestmentadvice.com/resources/blog/kevin-warsh-and-the-end-of-the-feds-forward-guidance/ --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Candid Coffee, "Narrative Busters: Market Stories Investors Should Approach With Caution," Saturday, July 18, 2026: https://streamyard.com/watch/RfJtCj2byfDr --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #PortfolioManagement #MarketVolatility #Investing #RiskManagement #PortfolioProtection #RiskManagement #RetirementPlanning #InvestingStrategy #WealthManagement

After tracing her own chronic skin and hair issues back to hard water, Karlee Zhang partnered with Omer Ozener to build Hello Klean on just £60,000 of personal savings. By educating consumers on an invisible problem and leveraging a “free trial” strategy, they created a new “shower care” category that now boasts more than 90,000 active subscribers. For more on Hello Klean, in show notes, click here. Subscribe and watch Shopify Masters on YouTube!Sign up for your FREE Shopify Trial here.

The stock market crashes about once every three years—at least a 20% drop. Most investors panic and sell. But if you understood why markets always recover, you'd do the opposite. Brian Feroldi reveals three mechanical forces that guarantee long-term market resilience, transforming market crashes from terrifying events into predictable opportunities. Key Topics Discussed Introduction to Market Resilience (00:00:00) Brad Barrett introduces the concept of understanding market recovery through fundamental mechanics rather than accepting it on faith. Understanding Market Crashes (00:05:00) Brian explains crash frequency: 10% drops every eleven months, 15% every two years, 20% every three years, 30% once a decade, and 40%+ drops two to three times per century. Force #1: Stocks Follow Earnings (00:10:00) The first fundamental force—stock prices track corporate earnings over time. Brian introduces the man-and-dog analogy: the man (profits) walks steadily uphill while the dog (prices) runs wild on an elastic leash. Watch the man, not the dog. Force #2: Earnings Always Recover (00:25:00) Brian breaks down the five-phase economic recovery process: cost-cutting, cleansing, government intervention, innovation, and emergence. The Forest Fire Analogy (00:32:00) Economic downturns function like forest fires—clearing deadwood, eliminating weak competitors, and creating optimal conditions for new growth. The COVID pandemic demonstrated this: remote work jumped from under 10% to over 90% in four months. Force #3: Profits Rise Over Time (00:48:00) Five systematic drivers cause profits to rise: productivity gains, inflation, innovation, geographic expansion, and population growth. These forces ensure long-term upward trajectory despite temporary setbacks. Investor Psychology and Closing Thoughts (00:55:00) Discussion about investor behavior during crashes and the importance of saving this episode for future market downturns when emotional fortitude matters most. Notable Quotes "Stocks follow earnings. As go the earnings of a company or an index, also goes the price or the market value of that same index." — Brian Feroldi "The best time to buy is at the period of maximum pessimism. And the period of maximum pessimism is precisely when you absolutely do not want to buy." — Brian Feroldi "Ninety percent of good investing is how you behave in the 10% of time that things are not going well." — Brian Feroldi "Think of the man walking a dog on an elastic leash. The man represents profits, the dog represents stock prices. Watch the man, not the dog." — Brian Feroldi "Innovation accelerates when times are tough. Necessity is the mother of invention." — Brad Barrett and Brian Feroldi Key Takeaways Google "S&P 500 earnings" and study the 100-year chart showing earnings rather than just stock prices to see the steady upward march of the "man" Save this episode in your investor policy statement to re-listen during the next market crash when you need psychological reinforcement Set up automatic dollar-cost averaging contributions to retirement accounts and commit to never stopping them during downturns Review your asset allocation if you're within 10 years of financial independence to ensure appropriate risk levels and cash cushions Markets typically bottom when news is worst because prices predict earnings recovery 6-9 months ahead Resources and Links Why Does the Stock Market Go Up? by Brian Feroldi The Simple Path to Wealth by JL Collins JL Collins Guided Meditation for Market Drops Afford Anything Podcast with Paula Pant Camp FI Brian Feroldi on YouTube Brian Feroldi on Twitter/X Brian Feroldi on Instagram Brian Feroldi on Threads

Most investors lose to the market because they're trying to pick winners in a game where only 4% of stocks have created 100% of market wealth over the past century. The math isn't in your favor—but there's a simpler path that is. Key Topics Discussed Introduction to FI 201 (00:00:00) Jonathan introduces the concept of Financial Independence 201, explaining how it builds on FI 101 to help individuals progress from control to optimization and independence on their FI journey. The Genesis of FI 201 (00:05:30) Allen and Kristen explain how they identified the need for a 201-level presentation based on questions emerging from their St. Louis FI 101 sessions, particularly around investing concepts. Asset Allocation Fundamentals (00:15:00) Allen breaks down asset allocation as 'your money pie,' discussing how to balance growth, safety, and emergency funds while considering time horizons and diversification strategies. Risk Tolerance vs Risk Capacity (00:22:00) The team explores the critical difference between emotional risk tolerance and actual risk capacity, using examples from 2008 and 2020 market crashes to illustrate real-world application. Tax-Advantaged Account Strategies (00:35:00) Allen and Brad discuss the various tax treatments of investment accounts including 401(k)s, 457(b)s, Roth IRAs, HSAs, and taxable brokerage accounts, emphasizing lifetime tax optimization. Individual Stocks vs Index Funds (00:48:00) The hosts examine the data on individual stock picking, revealing that only 4% of stocks have contributed to 100% of market wealth over the past century, making a strong case for index investing. Dividends and Tax Control (00:55:00) Brad and Allen discuss why the FI community often prefers capital gains over dividend income, focusing on the importance of maintaining control over when and how you realize taxable events. Notable Quotes "You can't save your way to FI, you have to invest." — Allen Hansen "When there's a dip, you essentially get to buy the market on sale. If you love a bargain, this is it." — Brad Barrett "Why in the world do we not think that way when it comes to the market? Our brain completely flips. We're like, ah, we're scared." — Kristen Knapp "It's not what's my tax this year. It is what is going to be my tax burden over my lifetime." — Brad Barrett "The best investing lesson: stand there and do nothing. If you're invested, just don't do anything and you're going to be rewarded." — Allen Hansen Key Takeaways Assess your own risk tolerance and risk capacity honestly by considering how you would react to a 30% portfolio drop Review your current asset allocation across all accounts and determine if it aligns with your time horizon and financial goals Calculate the difference between your marginal and effective tax rates to understand your true tax burden Identify which tax-advantaged accounts you have access to (401k, 457b, 403b, HSA, IRA) and ensure you're maximizing employer matches Track every dollar of taxable income if you're on ACA subsidies or approaching any subsidy cliffs to avoid losing benefits Consider whether you have the right balance between taxable, tax-deferred, and tax-free accounts for maximum flexibility in retirement Join or start a local FI group to benefit from community wisdom and learn from others at different stages of the journey Review your portfolio for dividend-heavy investments and consider whether you'd prefer more control over when you realize taxable events Resources & Links FI Friends Travel The Simple Path to Wealth by J.L. Collins Tax Planning to and Through Early Retirement by Sean Mullaney and Cody Garrett ChooseFI Community App St. Louis FI Group BlackBerry Documentary (Netflix) Arizona State University Stock Market Wealth Study Brian Feroldi (individual stock investing advocate) Investopedia