Podcasts about risks

Episode 266: In Bain's early 2026 Consumer Banking Benchmark, provided by NPS Prism, Chime had the highest NPS among the companies we measured. That raised a basic question: How does a financial technology company serving people who live paycheck to paycheck earn greater loyalty than institutions built around customers with much higher balances? Sam Krause is the Senior Vice President of Operations and Member Experience at Chime. As she explains, Chime is a financial technology company, not a bank. "We are a FinTech. We partner with bank partners behind the scenes who hold all our deposits." Most Chime members already had bank accounts. The important distinction is between having access to an account and having a product designed around the way you actually live. Chime operates without branches, giving it lower fixed costs than traditional banks. Members who qualify can receive their paychecks up to two days early or use a free feature called SpotMe for up to $200 in fee-free overdrafts. Those benefits cost money and expose Chime to risks many traditional banks avoid. But about two-thirds of members use Chime as their primary account. Most of the company's revenue comes from interchange on daily card use. Helping members get access to their money sooner can increase usage, strengthening the economics that make those benefits possible. Sam also explains how Chime tries to turn "member obsession" into an operating discipline. NPS is one of the company's three highest-level goals. For example, competitive benchmarking exposed a gap in funding and transfers that internal data alone had not made urgent enough. Chime then combined the NPS Prism benchmark data with direct member feedback to identify the specific problems and change its priorities. The consequences can be intensely personal. Sam describes a member named Carmen who used SpotMe to put gas in her car so she could reach chemotherapy appointments scheduled shortly before her payday. Her story illustrates why a short-term liquidity problem that might look minor to a product team can matter enormously to the person experiencing it. In this episode, learn how Chime preserves member obsession as it grows and leverages better outcomes for members into greater usage, loyalty, and growth. Guest: Sam Krause, Senior Vice President, Operations & Member Experience Host: Rob Markey, Partner, Bain & Company Give us feedback: Customer Confidential Podcast Feedback Send us a note: Contact Rob Timestamped Topics 00:52 – Cutting insurance claim resolution from weeks to minutes shapes Sam's approach to customer experience 01:28 – Aligning the business model with what is best for customers 02:51 – Designing financial products for the two-thirds of Americans living paycheck to paycheck 03:25 – Giving members paychecks up to two days early and up to $200 in fee-free overdraft 05:40 – Using primary account relationships and interchange to make the economics work 08:03 – Taking risks traditional banks avoid to give members faster access to their money 09:04 – Distinguishing access to banking from helping customers gain financial control 12:13 – Designing simpler money-management tools for the 80% who are not natural planners 14:14 – Finding the two customer segments where the products have the strongest fit 18:38 – Seeing simplicity and ease of use emerge as the biggest drivers of promoters 19:41 – Helping members increase credit scores by 30 points on average over eight months 22:17 – Scaling customer obsession through employee bootcamps and direct customer listening 24:00 – Making NPS one of three company-level goals 30:30 – Using competitive benchmarks to prioritize funding and transfer problems 32:57 – Building trust in a digital model with 24/7 access to human support 39:30 – Hiring "hungry, humble, and smart" employees as the company scales 41:30 – Embedding company values into employee evaluation and coaching Notable Quotes 08:03 "We're willing to take that risk on behalf of our members." 09:04 "There's a difference between having access and having something that is actually helping you gain control of your finances and reach your financial goals and make financial progress." 15:52 "We figured it out. And it turns out when you can crack that, you gain a very large and very loyal member base." 26:31 "You shouldn't be surprised that senior executives lose interest in something like this if you are not doing the work to prepare it." 28:36 "At the end of the day, it's about the member perception and the member view." 32:36 "We have to do more than a traditional bank would because that's what our members need." Additional Resources about Chime: How Chime is Leading the Way in Customer Loyalty: https://www.bain.com/insights/how-chime-is-leading-the-way-in-customer-loyalty-snap-chart/ What it Takes to Build the AI-Native Modern Bank: https://www.bain.com/insights/what-it-takes-to-build-the-ai-native-modern-bank/ How Analytics Can Deepen Banks' Customer Relationships: https://www.bain.com/insights/how-analytics-can-deepen-banks-customer-relationships/ 

On today's episode of the podcast I chat with my friend, and HR specialist, Kira La Forgia about how to legally protect yourself when having employees on your team. About Kira Kira is the founder of Paradigm Consulting which serves small business owners and founder-led teams with accessible outsourced HR and growth strategy services. Kira started Paradigm in 2020 after 11 years working in operations and partnering with a lot of attorneys and accounting firms that couldn't speak to the laws in all 50 states. In HR, it is the primary expectation to understand the labor laws in all 50 states, so Paradigm offers not only on the compliance side but also on the education side and the strategic way they build out structures of small businesses for efficacy and profitability. The goal is to create systems and foundations for HR compliance that last through the duration of your business with minimal maintenance. So you don't have to have an in-house HR person. Why the HR/Hiring Topic is Important Even If You Aren't Ready to Hire It doesn't matter how much money you're making, you're not qualified to do all the things your business needs you to do, you'll need to bring in support from other people, especially as you grow. And whether that initial hire is a bookkeeper or an assistant or your friend's son who helps you on the weekend, it's important to know the laws on how to treat them without going into a category of misclassification or even exploitation. Understanding what you need before you need it is the best way to confidently move forward, which you may need to do at a moment's notice if your business grows rapidly. What Major Employment Laws Have Changed Since 2020 We had Trump in office 2016 to 2020. A big tax law passed in 2017 and then Biden got in office after the COVID pandemic had already kind of started. Now Trump is in office again. We're talking about laws, laws are passed by politicians and congress members so it has a great deal to do with who's in office at any particular time. Whoever's in office does influence how things are enforced, even at the granular level. The caveat is that when we're talking about the administration that's in office at a federal level, that still isn't really talking about the individual state laws, which most of our companies are going to be a little bit more focused on on the day-to-day. When it comes to your employees, you have to follow three different sets of rules: the IRS, so the tax stuff that comes into play,, the federal laws, and how those things are kind of enforced and not enforced, and then the state laws which are actually going to govern more a lot of your policies inhouse within your business. HR is based on a federal ruling that came out decades ago, and there is a National Labor Relations Board (NLRB) which enforces all the rules from the Labor Relations Act. At a federal level, this is the major piece of legislation that helps us make decisions about what is legal and what isn't along the way. When the NLRB decides that they are going to enforce certain rules or not that's when you start to see uptick in legal cases. There's another entity that we really want to pay attention to, the Equal Employment Opportunity Commission (EEOC). Both of these are independent of the federal government, but the EEOC is going to be a little bit more dictated by what the person in charge is deciding what's important. So with when it comes down to the NLRB, they're going to be enforcing this ruling as a standard legal proceeding. The way it works a lot of the time is the federal law sets the floor and then states have their own. For example, minimum wage. What that looks like in action for small businesses is that some of your handbooks are going to have the federal minimum wage as the requirement that's noted while other handbooks will have amendments based on the states that their people live in. You can't just go by one document. You have to make sure that you're keeping track of what happens in other states and industries, too. The states have enforcement within the state with their own labor boards. What To Look At If You're Hiring Worker Misclassification The back-and-forthness of misclassification of 1099s to W2s is one of the biggest risks for small businesses. It is really important to make sure that you're auditing that year-over-year based on the location of where that person lives, how you're functioning within the business with that person, and also what's right when it comes to how people are behaving and how we are making sure we're not exploiting other people or other small business owners. If you get audited and your hire was classified incorrectly, that comes around to bite you in the ass because you'll owe back taxes, penalties, and interest on it Employment Verification I-9s and employment verification is another area that is being influenced by politics. It's the bare minimum of hiring employees, making sure that you're following the I-9 process, which is basically documenting and checking to make sure that they're a US citizen which is required within 72 hours of your employee's first day. The lowest risk is classifying them as an employee and making sure you're educated on how to handle the I-9 process because then you're protected to get them started to work. You cannot rely on your payroll company to do this because they will not assume the risk. You are probably not qualified to go through the E-Verify system which is another reason that you need to have an HR partner on your side to run those checks for you. Your I-9s need to be stored separately from the rest of the documents that you're storing for your employees. If someone were to come in and audit your employment, it would be a discriminatory tactic to have their immigration information in their file. Pay Transparency Depending on the state you're in, you have to show the range that you're hiring someone for. If you're hiring for multiple states, you need to make sure it's posted publicly when you post the job. If there is any kind of role that you're looking to fill that is remote role eligible to anyone in the US then that means it has to follow all the laws of how you post jobs in the US which primarily comes down to pay transparency because you're required to have a salary range posted in many states. Anyone can file a complaint with the EEOC, not just the people who work for you, so you need to have everything together when you post a job listing. Bias We have our conscious and unconscious bias. As business owners we're trained to look for the ideal candidate, but applying your ideal client avatar to your hiring process is a no go. What candidates do with their time and their work outside of working with us is none of our business. What is our business is their level of qualification, how well you hit it off with them, what your priorities are. Paradigm makes rubrics in order to measure and make sure to reduce unconscious bias. The Stages of Hiring Hiring is a multi-phase process. You first make your business ready-to-hire by building foundation on which people are going to work. Make it a profitable hire. Go through the hiring process. Set the standard and tone for who you're bringing in with an organized, clear, direct, and legal hiring process. And then onboarding them. How we can avoid disgruntled employee issues starts with how we onboard them because it answers their questions right out the gate without leaving them confused. Employee Classification Classification varies state by state. Some basics when it comes to the federal law is there are six different factors that go into this but this most common factor to look out for first is that whatever service that your business provides, if this person is delivering on that service, then they need to be an employee. For example, a copywriting agency hiring a copywriter. These laws are trying to prevent larger businesses from exploiting smaller businesses and individuals. For example, if someone is acting as an employee and controlled by the person that employs them, then they do deserve the benefit of getting unemployment if they get let go. This law is trying to prevent that and create competition between businesses so there are fewer monopolies to avoid large businesses buying everything and then the small businesses have to go work for them. Legally Protecting Your Business Kira recommends handling your basic legal first before hiring employees. You don't need to be expanding and scaling your business if you don't have good contracts or a trademarked business because they are the things that you're protecting when it comes to your employees too and we talk about your handbook, protecting the assets you create, etc. Get in Touch with Kira La Forgia Follow Kira on Instagram @theparadigmm Connect with Kira on LinkedInListen to Kira's podcast, People on Purpose

America's Water Supply Under PRESSURE?! Extreme Heat, Hydropower Risks + Grand Canyon Flooding

Could Bitcoin mining turn a major business expense into a tax-saving opportunity?In this episode, Mike Jesowshek and Colin from Leverage Mining explore how owning mining equipment could help business owners earn Bitcoin and claim potential tax deductions. They break down the upfront costs, participation requirements, and why a tax write-off alone isn't enough to make this investment worthwhile.You'll learn who this strategy might suit, what a four-year commitment involves, and the risks to consider before getting started.

Young people often lack the medical resources available to professional athletes when heat and smoke create hazardous conditions. Learn more at https://www.yaleclimateconnections.org/ 

Send us Fan MailThe biggest workplace are not always obvious. A ladder with broken rungs poses a risk; an employer with a hidden agenda is a less obvious danger.  In this episode Becker shareholder Jamie B. Dokovna joins host Donna DiMaggio Berger to unpack the hidden employment risks facing condo associations, HOA boards and community association management companies—and how seemingly small decisions can lead to significant liability.Donna and Jamie dig into the rise of AI generated labor complaints and why “garbage in, garbage out” can still create serious risk for employers. Jamie breaks down what employment laws can apply based on headcount, including OSHA, FLSA wage and hour rules, ADA accommodations, Title VII discrimination, ADEA, and FMLA. They also tackle a common—and costly—misperception: that associations are protected because their staff technically work for the management company. When boards direct employees, drive performance reviews or participate in discipline, joint-employer arguments may follow.From there they move into real world safety issues that are easy to underestimate: extreme heat protocols for outdoor staff, hurricane and storm policies that balance community needs with employee safety, and secondhand smoke and air quality as workplace conditions. They also talk about resident driven harassment, recording and filming in the workplace, civility rules that give associations enforcement teeth, and the high stakes of threats and violence in a state with broad gun laws. Donna and Jamie close with mental health accommodations, support animals at work, social media boundaries, remote work injuries, and the one update almost every employer needs: a current handbook.Conversation Highlights:The employment risks community associations may overlook, from workplace harassment and extreme heat to threats of violence and mental health concernsUnderstanding which federal and state employment laws apply to associations, management companies and vendors—and how those obligations can vary by employer sizeWhat associations should know about protecting outdoor employees, including landscaping, maintenance, valet and security staff, from heat-related illnessHow associations can prepare policies that balance community needs with employee safety before, during and after a stormWhen exposure to cigarette or marijuana smoke can become a workplace safety or disability accommodation issueNavigating Florida's evolving gun laws while developing policies and procedures to prevent and respond to workplace threatsWhat employers should consider when cameras, wearable devices and recordings are used in the workplaceUnderstanding an employer's responsibilities when employees request accommodations for mental health conditions or want to bring an emotional support animal to workHow Florida's medical marijuana laws affect drug testing, workplace policies and prohibitions against working while impairedThe emerging employment risks of artificial intelligence, including AI-generated discrimination complaints and AI's potential to impact hiring, discipline, and other employment decisionsRelated Links:Podcast: HR Hacks with Jamie Dokovna Part IPodcast: HR Hacks with Jamie Dokovna Part IIArticle: Managing Your PersonnelOnline Class: Dealing With Difficult People

Global bond yields climb as investors weigh fiscal concerns, sticky inflation and higher energy prices. Plus, AI demand drives a massive Dell server beat as markets look to Broadcom and signs of a software rebound. Later, Venezuela's oil ambitions face a long road as renewed Middle East conflict keeps pressure on global supplies and commodity prices. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Artificial intelligence is emerging as both a powerful source of competition between the United States and China and an area where the two countries may have a shared interest in reducing risk. Washington and Beijing have sharply different views about technology, national security, and governance, yet they also face some of the same potential dangers from increasingly capable AI systems—from cyberattacks and biological threats to unintended escalation and the loss of human control over critical decisions. With U.S.-China talks on AI expected to take place ahead of the Trump-Xi summit later this month, a pressing question is whether the two countries can carve out practical areas of cooperation even as they compete intensely over the technology itself. What could realistically be achieved in those talks, where do American and Chinese concerns about AI risks converge or diverge, and can the two sides keep discussions about risk reduction separate from the broader struggle over technology and export controls? To unpack those objectives and what a credible outcome might look like, we are joined by Mark MacCarthy. Mark is a non-resident senior fellow at the Brookings Institution in the Governance Studies program's Center for Technology Innovation and an adjunct professor at Georgetown University, where he teaches on the governance of emerging technology, AI ethics, and privacy. He is the author of Regulating Digital Industries: How Public Oversight Can Encourage Competition, Protect Privacy, and Ensure Free Speech. He also recently co-authored an article on how the US and China can cooperate to reduce urgent AI risks, which you can find on the Brookings website. Timestamps: [00:00] Introduction [02:17] The Need for US-China AI Cooperation and Risks [04:32] Converging on AI Risk Reduction [07:18] Setting Guardrails Amidst Competition [10:14] World Artificial Intelligence Cooperation [13:33] Trump-Xi Talks: A Technical Exchange [18:31] Who Needs To Be At the Table [21:25] Low Hanging Fruit for Cooperation [24:39] Assessing Bill Gates' Recommendations [28:30] Different Approaches to Technology and Governance

PPO participation can quietly erode profitability when fees, network relationships, and write-offs are not regularly reviewed. In this episode, Kirk Behrendt talks with Clinton Johnson, founder of Profitable PPOs, about the hidden PPO mistakes that can cost dental practices seven figures over time. Clinton explains how PPO network structures work, why reimbursement has failed to keep pace with rising practice costs, how to evaluate the true financial impact of each plan, and why dentists should build a PPO strategy around their practice goals rather than making emotional decisions. Learn how to audit PPO participation, identify low-profit plans, improve reimbursement, and strategically move toward greater profitability and autonomy — listen to Episode 1094 of The Best Practices Show!Main Takeaways:PPO reimbursement has not kept pace with inflation and rising practice expenses, forcing many dentists to work harder to maintain previous income levels.Dentists can participate in PPOs through direct contracts, network share agreements, or umbrella companies, and those options can produce significantly different reimbursement levels.A PPO strategy should be designed around the practice's priorities, including profitability, broad network coverage, and administrative simplicity.PPO write-off percentages can be misleading when a practice's office fees are not appropriately set for its geographic market.Dentists should review EOBs and conduct a comprehensive PPO audit approximately every 18 to 24 months to verify network participation, fee schedules, and opportunities for improvement.Practices considering PPO reductions should use financial data and generally begin with smaller plans that have poor reimbursement rather than making large changes based on frustration.PPO optimization should include analysis, strategy development, financial modeling, implementation, and verification that insurers are paying the expected fees.Episode Chapters:00:00 Introduction to hidden PPO mistakes that can cost a practice seven figures.01:11 Kirk introduces Clinton Johnson and the complexity of PPO participation.03:57 Why dentists are producing more without necessarily becoming more profitable.05:58 Three ways dentists can participate in PPO networks.09:51 Why PPO write-off percentages can be misleading.12:08 Clinton explains the PPO profit ladder.13:41 The long-term financial and practice-value impact of poor PPO reimbursement.16:16 Why dentists need to monitor EOBs and identify missed upside opportunities.21:03 How to evaluate which PPOs are helping or hurting the practice.24:55 Why traditional PPO fee negotiation is less effective than it once was.27:09 When dentists should stay in a PPO or consider leaving.30:00 Risks of leaving a PPO without a structured plan.31:41 How PPO strategy can support independent dentistry.34:21 Which practices are and are not a good fit for PPO optimization.37:28 Clinton explains the Profitable PPOs analysis and strategy process.41:30 How to contact Profitable PPOs.42:00 Closing thoughts on profitability, independence, and practice ownership.Guest Bio:Possessing over twenty years of experience working with dental offices, Clint Johnson is passionate about helping practice owners optimize their PPO plan participation and profits. As the founder of Phoenix-based Profitable PPOs, Clint has focused that passion by helping ensure dentists participate with the right PPOs, in the right way, and for maximum reimbursement. Hundreds of dental practices every year, across the United States, big and small, look to Profitable PPO to provide the insurance participation management needed to make the most of their profitability–both in the present and in years to come.For Clint, dentistry has always been a family matter, with his father, grandfather and great-grandfather all dentists. The experience of seeing both the benefits, and the challenges, in dentistry inspired him to help doctors optimize their practices. Clint knew there had to be a way to help those in the dental field deal with the challenges and costs associated with insurance participation… And that challenge was the impetus behind the creation of Profitable PPOs.In addition to his work with Profitable PPOs, Clint is also an author and a frequent presenter at dental conferences. In his free time, he enjoys reading, skiing, scuba diving, and traveling with his wife and three children.Episode Resources:Profitable PPOs: https://profitableppos.com/Phone: 855-PPO-GAINMore Helpful Links for a Better Practice & a Better Life:Contact Gina to learn more about ACT: gina@actdental.comThe Best Practices Show: https://www.actdental.com/podcast/Smile Source Community Hub: https://www.actdental.com/community-hubUpcoming Events & Workshops: https://www.actdental.com/events/Smile Source: https://www.smilesource.com/Subscribe on Apple Podcasts: https://podcasts.apple.comSubscribe on Spotify: https://open.spotify.com

By speaking publicly about the threats she's facing, the One Nation leader has shone a light on a growing problem facing our democracy but pinning them on routine political rhetoric risks accusations of political point-scoring.

Say it ain't so! Only 41 bushels per acre soybeans and 155 bushels per acre corn? Pete's own harvest predictions are in, and they aren't great for some areas. But there's so much more to talk about on this week's episode of Wheat Pete's Word! Also, on the Word: Extreme weather continues to dominate across... Read More

Australia's economy grew 0.4 per cent in the June quarter, but Westpac senior economist Ryan Wells explains why weak productivity and inflationary labour costs could still bring another interest rate rise. Plus, Perpetual Head of Investment Strategy Matt Sherwood breaks down the Australian sharemarket's 1 per cent fall as rising oil prices reignited global inflation concerns.

The head of New Zealand's professional body for engineers is calling for greater accountability when risks are identified by experts after the tragedy at Mauao in January, where six people died in a landslide. Geotech engineers had repeatedly warned of the risk of deadly landslides. Richard Templer is the CEO of Engineering New Zealand Te Ao Rangahau. He was also the former chief executive of Manawatu District Council until 2020. Templer spoke to Ingrid Hipkiss.

A series of earthquakes near Milford Sound last night come as flash flooding in Nepal focuses attention on the risks from natural hazards at Piopiotahi Milford Sound. DOC's Southern, South Island Director Aaron Fleming spoke to John Campbell.

The Jets still have a glaring problem behind Geno Smith. Evan Roberts and Tiki Barber debate whether Joe Milton, Jimmy Garoppolo or Will Levis could provide real insurance, but keep coming back to the same concern: Cade Klubnik may be forced into a role before he is ready. Tiki argues the Jets need a veteran who can actually win games if Geno misses time, not another developmental project.

Summary In this episode, Eve Guzman and Ali discuss the complexities of hormone health, weight management, and the importance of foundational health practices for women in midlife. They explore how labs, lifestyle, and cautious use of HRT can support long-term wellness. Key Topics  Hormonal imbalances and weight management The role of labs in diagnosing underlying issues Foundational health practices: nutrition, sleep, exercise The importance of muscle building and strength training Misconceptions about HRT and its effects The impact of lifestyle and recovery on hormone health The significance of proper lab testing and interpretation The role of vitamin D, magnesium, and omega-3s in health The long-term process of hormonal and body composition changes Patience and consistency in health transformation Sound Bites "Most women are struggling with lifestyle issues that lead to hormone dysfunction." "The last thing on the list is HRT, after nutrition, sleep, and recovery." "Doing the same workout year after year is actually the key to progress." Chapters 00:00 Introduction to Eve Guzman and the episode's focus 02:24 The influence of consumerism and misleading ads on hormone treatment 04:55 The importance of understanding the system behind hormone therapy 07:17 Lifestyle factors contributing to hormonal imbalances 09:30 Foundational health practices before considering HRT 12:11 The impact of sedentary lifestyles and muscle loss 15:14 The significance of accurate food and activity tracking 17:20 How to lift heavy safely and effectively 21:23 The importance of consistency and patience in building muscle 24:36 Key labs to assess hormonal and metabolic health 31:58 Risks of improper HRT use and the importance of detoxification 36:24 Long-term view on health, habits, and aging Ali's Resources:  Beam Supplements - Use Code ALIDAMRON for a discount! Consults with Ali  BIOptimizers Magnesium Breakthrough 10% off using code ALIDAMRON10 www.alidamron.com/magnesium Master Your Perimenopause Course + Toolkit "Am I in Perimenopause?" Checklist.  What Hormone is Imbalanced? Quiz! Fullscript (Get 25% off all supplements) "How To Balance Your Hormones For Better Sleep, Mood, Periods and Energy" Free, On Demand Training Website  Ali's Instagram Ali's Facebook Group: Holistic Health with Ali Damron 

What if the way you were taught to earn money is completely different from the way wealthy people build it? In this solo episode, Amy Sylvis explores the different financial rules followed by the poor, middle class, and wealthy using a framework from Robert Kiyosaki's Cashflow Quadrant. She breaks down how money moves through each group's income statement and balance sheet, revealing an important distinction between earning a salary and owning assets that generate income. Amy also shares why this difference became personal when cystic fibrosis left her unable to work at age 35. From the risks of relying entirely on a paycheck to the impact inflation can have on salary, she explains why building income-producing assets can provide another layer of financial flexibility. Rather than prescribing one path, Amy encourages listeners to understand the options available and decide which financial structure best supports the freedom and life they want to create. Connect with Amy Sylvis: https://www.linkedin.com/in/amysylvis/   Contact Us: https://www.sylviscapital.com https://www.sylviscapital.com/webinar info@sylviscapital.com 00:00 The Wealth Rules Most of Us Aren't Taught  06:30 How Money Flows for the Poor 07:19 How the Middle Class Uses Income and Liabilities 10:00 How the Rich Use Assets to Produce Income 11:02 Why Asset Income Changes the Equation  13:53 The Risks of Relying on a Salary Alone 

How can actuaries assess mortality and morbidity risk when historical experience may no longer fully reflect a changing climate environment? In this episode of the Research Insights Podcast, Dale Hall, Managing Director of Research at the Society of Actuaries Research Institute, welcomes Carlos Arocha, FSA, SCR, and Jérôme Crugnola-Humbert, SAV, IA, authors of the report Quantifying Mortality and Morbidity Impacts from Climate Risks: A Practical Framework for Decision-Making. Carlos and Jérôme discuss how climate hazards, population exposure and vulnerability can translate into life and health outcomes and ultimately affect actuarial decision-making. They explore why historical mortality and morbidity data alone may be insufficient in a changing risk environment, how climate-related variables can be incorporated into mortality modeling, and what a case study examining France, Italy and Spain can teach actuaries about interpreting forward-looking scenarios. The conversation also examines the "streetlight effect" and the "quantitative fallacy," along with practical considerations for life and health insurers seeking to better understand and prepare for climate-related risks. Listen to the episode and explore the full report, accompanying actuarial toolkit, and additional research from the Society of Actuaries Research Institute by visiting SOA.org and navigating to the Catastrophe & Climate research area. Read the Report:  https://www.soa.org/resources/research-reports/2026/climate-mortality-morbidity-framework/

Tuesday September 1, 2026 Officials Played Down Risks in Ohio Train Disaster

John Maytham speaks to Prof. Christo Coetzee of North-West University’s African Centre for Disaster Studies about the deadly flooding in Nepal and Tibet, the role of climate change and how communities can better prepare for disasters linked to unstable glaciers. Presenter John Maytham is an actor and author-turned-talk radio veteran and seasoned journalist. His show serves a round-up of local and international news coupled with the latest in business, sport, traffic and weather. The host’s eclectic interests mean the program often surprises the audience with intriguing book reviews and inspiring interviews profiling artists. A daily highlight is Rapid Fire, just after 5:30pm. CapeTalk fans call in, to stump the presenter with their general knowledge questions. Another firm favourite is the humorous Thursday crossing with award-winning journalist Rebecca Davis, called “Plan B”. Thank you for listening to a podcast from Afternoon Drive with John Maytham Listen live on Primedia+ weekdays from 15:00 and 18:00 (SA Time) to Afternoon Drive with John Maytham broadcast on CapeTalk https://buff.ly/NnFM3Nk For more from the show go to https://buff.ly/BSFy4Cn or find all the catch-up podcasts here https://buff.ly/n8nWt4x Subscribe to the CapeTalk Daily and Weekly Newsletters https://buff.ly/sbvVZD5 Follow us on social media: CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/CapeTalk CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

An expert says schools can protect players by adjusting practices, training coaches, and encouraging athletes to speak up about symptoms. Learn more at https://www.yaleclimateconnections.org/ 

Today, we delve into the dramatic story of Esther, a Jewish woman who finds herself in a precarious position as the queen of Persia. With a genocide looming over her people, Esther must navigate the complexities of the royal court to save her life and the lives of those she loves: Esther's faced with a daunting task: approaching the king without being summoned - a move that could result in her sudden death. Jenn discusses the intricacies of the Persian court, explaining the customs and rules that govern the king's narcissistic behavior. Haman, the king's right-hand man, is seething with anger towards Mordecai, and his hatred only grows at the end of the episode. Don't miss this discussion to discover how Esther's bravery and cunning lead her down a path that will change the course of Israeli history. Listen to the full episode to find out what happens next in this gripping tale of faith and courage. Don’t just check out one… Take a look at them all! YouTube - https://www.youtube.com/watch?v=Hnh-aqfg8rw Ko-Fi - https://ko-fi.com/p40ministries Website - https://www.p40ministries.com Facebook - https://www.facebook.com/p40ministries Contact - jenn@p40ministries.com Books - https://www.amazon.com/Jenn-Kokal/e/B095JCRNHY/ref=aufs_dp_fta_dsk Merch - https://www.p40ministries.com/shop YouVersion - https://www.bible.com/reading-plans/38267-out-of-the-mire-trusting-god-in-the-middle Check out LifeAudio for other faith-based podcasts on parenting, studying Scripture, and more:www.lifeaudio.com Need help memorizing Scripture? Check out Verse in the Chorus: https://www.youtube.com/@VerseintheChrous Become a member to gain access to The Bible Explained on Fridays: https://ko-fi.com/p40ministries Support babies and get quality coffee with Seven Weeks Coffee https://sevenweekscoffee.com/?ref=P40 Discover more Christian podcasts at lifeaudio.com and inquire about advertising opportunities at lifeaudio.com/contact-us.

Gross contamination of vascular access devices can occur when catheter connections, hubs, tubing, or primary dressings are exposed to bodily fluids, moisture, environmental debris, or other contaminants. These events may be especially visible in pediatric care, but the underlying risks are relevant across settings, including adult critical care, oncology, home infusion, and long-term vascular access.In this episode, a Pediatric Clinical Nurse Specialist from Seattle Children's Hospital will draw on real-world clinical experience to discuss everyday contamination risks, why they matter, and how clinicians can better prevent, recognize, and respond to them.AVA would like to thank Covalon for supporting this episode.Watch the podcast on YouTube

Escalation between the U.S. and Iran sets a sour tone for a new trading week as crude oil prices surge into Monday's session. Kevin Hincks explains how the headlines will hit the stock market short-term, and why a new deal between the U.S. and Venezuela can buoy long-term risks. He then turns to the week ahead by highlighting key jobs data he sees moving the market, including the August jobs report on Friday. ======== Schwab Network ========Empowering every investor and trader, every market day. Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/ About Schwab Network - https://schwabnetwork.com/about

Fed Chair Kevin Warsh's Jackson Hole speech makes Liz Ann Sonders believe the FOMC will hike interest rates, the question is when. A reescalation in the U.S.-Iran war and global trade wars pose as a threat to the inflation outlook. Michelle Gibley analyzes the Japanese yen's recent weakness and the greater implications it has for U.S. stocks. In China, she believes the country made a lot of progress in technology but it's not translating well into earnings.======== Schwab Network ========Empowering every investor and trader, every market day. Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/ About Schwab Network - https://schwabnetwork.com/about

In episode 376, Steve breaks down the hidden risks lurking with walk-in tub seals, door gaskets, and plumbing, and what to check before mold becomes a bigger issue than the fall risk you were trying to prevent. Do you want to learn more about hidden mold concerns? Steve is the author of five books which are all available on Amazon. Copy and paste the link to purchase one of his books. https://tinyurl.com/SteveWorsleybooks We appreciate all of you and hope you have a great week!

MeidasTouch host Ben Meiselas reports on growing questions about Donald Trump's health and behavior as his latest public appearances and remarks spark new concerns, including from MAGA supporters and national security experts who are increasingly questioning what they are seeing from Trump. Remember to subscribe to ALL the MeidasTouch Network Podcasts: MeidasTouch: https://www.meidastouch.com/tag/meidastouch-podcast Legal AF: https://www.meidastouch.com/tag/legal-af MissTrial: https://meidasnews.com/tag/miss-trial The PoliticsGirl Podcast: https://www.meidastouch.com/tag/the-politicsgirl-podcast Cult Conversations: The Influence Continuum with Dr. Steve Hassan: https://www.meidastouch.com/tag/the-influence-continuum-with-dr-steven-hassan The Weekend Show: https://www.meidastouch.com/tag/the-weekend-show The Ken Harbaugh Show: https://meidasnews.com/tag/the-ken-harbaugh-show Majority 54: https://www.meidastouch.com/tag/majority-54 On Democracy with FP Wellman: https://www.meidastouch.com/tag/on-democracy-with-fpwellman Uncovered: https://www.meidastouch.com/tag/maga-uncovered Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of The First Day from The Fund Raising School, Bill Stanczykiewicz, Ed.D., is joined by Vicki Pugh, CFRE, CAP, CEO of Advancement Experts and longtime faculty member with The Fund Raising School, to explore how fundraisers can begin using artificial intelligence with confidence, curiosity, and a healthy dose of caution. Drawing on decades of fundraising experience, Pugh describes her own entry into AI as a self-described “low tech girl living in a high-tech world.” Formal training helped her move beyond simply experimenting with large language models to understanding how better prompts could produce useful results. She explains that AI can accelerate tasks such as writing, summarizing, donor research, and data analysis, while giving fundraisers more time to focus on strategy and relationships. Bill and Vicki also emphasize an essential rule for using AI responsibly: verify the results. AI tools can hallucinate, produce inaccurate information, or present incomplete findings with confidence. Fundraisers should compare outputs across tools and continue using trusted sources such as donor research platforms, public records, organizational databases, and other established resources. AI can dramatically speed up the research process, but it should support professional judgment rather than replace it. Pugh shares several examples of how AI-assisted data analysis can translate into practical fundraising strategy. For one organization, analyzing giving patterns revealed unusually strong retention at a longstanding $350 giving level. That insight led to a strategy for encouraging donors to move toward $500 gifts, contributing to an additional $30,000 in fundraising. In another case, AI-supported analysis helped a nonprofit respond to a board request to increase annual fundraising from $2 million to $3 million by using historical growth rates to establish more realistic goals and identify the staffing and investment that additional growth would require. These examples demonstrate that AI is not only for large universities, hospitals, or nonprofits with sophisticated technology teams. Smaller organizations and one-person fundraising shops can use the same tools to examine retention, donor upgrades, acquisition opportunities, giving ranges, campaign goals, and other patterns that might otherwise require hours of manual analysis. Used effectively, AI can become an equalizer by helping organizations with limited staff access information and insights more quickly. At the same time, Pugh stresses that the “human element” remains indispensable. AI can identify where donor numbers, dollars, or retention rates are improving or declining, but fundraisers must decide what those patterns mean and how to respond. The technology may generate possibilities, but people still develop the personal outreach, communications, stewardship, renewal, and upgrade strategies that turn information into stronger donor relationships. As Bill notes, one of AI's most valuable roles may be idea generation rather than simply producing answers. The central takeaway is simple: fundraisers do not need to become technology experts overnight, but they do need to remain curious and continue learning. Pugh encourages professionals to take courses, learn from colleagues who understand AI, experiment with multiple platforms, and gradually build their skills. AI adoption is a journey, not a competition. By combining new technology with fundraising experience, verification, and human judgment, fundraisers can save time, gain better information, and make stronger strategic decisions.

In this episode, Warren Ingram and Pieter de Villiers discuss the complexities of estate planning, retirement annuities, and tax strategies, addressing common misconceptions and practical considerations for managing assets and minimizing taxes.Chapters00:00 Introduction to estate planning and common questions02:08 Why transferring assets to an RA at an old age can be problematic03:07 Tax implications of estate duty and retirement fund withdrawals04:29 Risks of over-contributing to an RA and estate implications06:20 How retirement fund payouts are regulated and their impact on estate07:18 The role of trustees and nomination in retirement fund payouts08:39 Alternative strategies to mitigate estate duty and fees09:25 Balancing estate planning with quality of life for the elderly11:22 When and why to consider an RA after retirement12:53 Additional considerations: estate duty abatement and inheritance planningLearn more about how Curate Investments can help you here.Send us Fan MailHave a question for Warren? Don't forget to voice note your questions through our WhatsApp chat on (+27)79 807 8162 and you could be featured in one of our episodes. Follow us on Twitter, LinkedIn and subscribe to our YouTube channel for more Financial Freedom content: @HonestMoneyPod

SpaceTime Series 29 Episode 103 *Warnings that some Earth microbes could contaminate the Moon NASA says some of Earth's microbes hitching a ride to space with human explorers could survive in the shaded nooks and crannies of the Moon's South Pole contaminating the otherwise pristine environment. *China's first reusable rocket China has finally landed a reusable rocket in one piece. *Russia develops a nuclear rocket motor Russia has developed a prototype nuclear plasma engine which could cut journey times to Mars from 6 months to just 30 days. *September Skywatch The September equinox, and the constellations Capricorn, Pegasus, and Cygnus are among the highlights of the September night skies on SkyWatch.   Our regular guests: Alex Zaharov-Reutt from techadvice.life Tim Mendham from Australian Skeptics And Senior science writer and Sky and Telescope magazine contributor Jonathan Nally   

Key Takeaways: Check Customer Credit Carefully: Before offering credit, businesses should understand a customer's ability to repay. Strong credit checks can reduce defaults and unpaid balances. Have a Plan for Bad Debt: Every business that offers credit needs clear rules for handling late or unpaid accounts. A strong debt management process can reduce financial losses. Build the Right Team: A team focused on credit checks, collections, and account management can help prevent financial problems and keep cash flowing. Follow Financial Regulations: Running a finance company comes with legal and regulatory responsibilities. Working with qualified legal and financial professionals helps ensure the business follows the rules. Keep Strong Cash Reserves: Maintaining enough cash to cover operating costs provides stability. Reserves give the business time and flexibility to handle slow periods, unexpected losses, or economic downturns.   Chapters: Timestamp Summary   0:00 Risks and Realities of Starting a Financial Company 2:19 Managing Bad Debt and Credit Control in Business Operations 5:25 Building a Strong Team for Business Financial Success 9:03 Organizing Family Life and Financial Management Tips Powered by ReiffMartin CPA and Stone Hill Wealth Management   Social Media Handles    Follow Phillip Washington, Jr. on Instagram (@askphillip)   Subscribe to Wealth Building Made Simple newsletter https://www.wealthbuildingmadesimple.us/   Ready to turn your investing dreams into reality? Our "Wealth Building Made Simple" premium newsletter is your secret weapon. We break down investing in a way that's easy to understand, even if you're just starting out. Learn the tricks the wealthy use, discover exciting opportunities, and start building the future YOU want. Sign up now, and let's make those dreams happen!   WBMS Premium Subscription   Phillip Washington, Jr. is a registered investment adviser. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and, unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance.

Reliable Legionella results begin long before a sample reaches the laboratory. Dr. Rajiv Sahay of Sahay Scientific Services explains how building conditions, field collection practices, and laboratory methods influence the quality—and usefulness—of the data water professionals receive. Building Water Conditions Shape the Risk Modern buildings rely heavily on controlled mechanical systems, yet water can remain an overlooked part of the indoor environment. Stagnation, low flow, dead legs, temperature, pH, disinfectant residuals, corrosion, and accumulated organic material can all influence biofilm development and microbial activity. Dr. Sahay cautions against solving one problem while creating another. Raising a disinfectant concentration without considering system materials, water chemistry, and occupant health can introduce secondary risks. Instead, water professionals need enough data to balance microbial control with the operational realities of the system. Better Samples Begin in the Field Sample quality depends on what happens at the collection point. Dr. Sahay recommends recording temperature and pH when the sample is taken, selecting a collection technique suited to the water body, and avoiding unnecessary sediment or debris. He also explains how gloves, hands, bottles, and sampling equipment can introduce cross-contamination. Aseptic handling, clean barriers, appropriate disinfection, and complete chain-of-custody documentation help the laboratory connect its findings with actual field conditions. What Happens Inside the Laboratory Dr. Sahay walks listeners through three testing pathways: non-culture methods, traditional culture, and molecular diagnostics such as PCR. Culture remains the reference method discussed for isolating and confirming Legionella, while molecular testing can provide faster screening information. The conversation also follows a sample through filtration, preparation, inoculation on BCYE media, incubation, preliminary identification, and confirmation. This context helps water professionals understand why laboratory turnaround times and reported results vary by method. Reading Results With the Right Context A nondetect does not necessarily establish that an entire water system—or even the full sample bottle—contains no Legionella. It means the laboratory did not detect the organism in the analyzed portion under the method's detection capability. That distinction reinforces the central lesson: usable field data, representative sampling, appropriate laboratory methods, and informed interpretation must work together. Listen to the full conversation above. Explore related episodes below. Stay engaged, keep learning, and continue scaling up your knowledge! Connect with Dr. Rajiv Sahay  Phone: (727) 488-4001  Email: rajiv_sahay9@hotmail.com  Website: Environmental Services Consulting   LinkedIn: Dr. Rajiv Sahay, FIAS, CIAQP | LinkedIn   Sahay's Scientific Services: Overview | LinkedIn    Guest Resources Mentioned   Presentation – Legionella Unveiled: Safeguarding Water Systems in a Changing World by Dr. Rajiv Sahay  Environmental Microbiology 3rd Edition by Ian Pepper (Editor), Charles P. Gerba (Editor), Terry Gentry (Editor)  Bergey's Manual of Systematic Bacteriology: Volume One : The Archaea and the Deeply Branching and Phototrophic Bacteria 2nd Edition by David R. Boone (Editor), George M. Garrity (Editor), Richard W. Castenholz (Editor)  Bergey's Manual of Determinative Bacteriology. Eighth Edition by R. E. Buchanan (Editor), N. E. Gibbons (Editor)  CDC Legionella water management program overview  CDC Legionella prevention resources: https://www.cdc.gov/legionella/index.html CDC ELITE Program (Environmental Legionella Isolation Techniques Evaluation)  EPA (Legionella-related publications and resources)  ASHRAE Standard 188 (Legionellosis risk management)     Scaling UP! H2O Resources Mentioned  AWT (Association of Water Technologies)  Scaling UP! H2O Academy video courses  Submit a Show Idea  Rising Tide Mastermind  Scaling UP! H2O Legionella Resources Library    Water You Know with James McDonald Today's definition is an organophosphorus compound containing a direct carbon-phosphorus bond that is commonly used in water treatment for corrosion control and threshold scale inhibition. Can you guess the word or phrase?   2026 Events for Water Professionals  Check out our Scaling UP! H2O Events Calendar where we've listed every event Water Treaters should be aware of by clicking HERE.    This episode made possible through our valued partners at:  

Copying a successful product can look like smart business. The market already exists, customers understand the category, and a competitor has done much of the work of proving demand. But when a patented product is involved, “we changed a few things” can become an expensive sentence.In this episode, we break down what patent infringement actually means for startup founders, product teams, and small business owners. The biggest misconception is that infringement requires an exact copy. It does not. But simply making something similar does not automatically mean infringement either.The key issue is the patent claims.Patent claims define the legal boundaries of the patented invention. A competing product may look almost identical but avoid infringement if it does not satisfy an important claim limitation. On the other hand, a product that looks different can still create risk if its internal structure, process, or method falls within the claims.We also explain why independent development is not automatically a defense to direct patent infringement. A company can invent a product on its own and still end up practicing an enforceable patent claim. Intent matters in some areas of patent law, but direct infringement is not simply a copying contest.Another topic is the danger of relying on cosmetic changes. New colors, different dimensions, button placement, or fresh packaging may help marketing, but they do not necessarily create a legal design-around. A meaningful design-around usually requires understanding the claims and changing the product so a relevant claim limitation is no longer present.Then there is the doctrine of equivalents. This doctrine can sometimes create infringement risk even when the accused product does not literally match every word of the claim. That does not mean “same result equals infringement.” The analysis remains tied to individual claim elements.We also discuss what happens when a patent owner believes infringement is occurring. The first step may be a demand letter or cease-and-desist notice. That letter is an allegation, not a final judgment. A business receiving one should evaluate the asserted patent, the relevant claims, the accused product, possible noninfringement arguments, validity issues, redesign opportunities, licensing options, and overall business exposure.The financial consequences can be significant. Patent owners may seek monetary damages and, in appropriate cases, injunctive relief. Courts can also increase damages for especially egregious conduct, and attorney fees may be awarded in exceptional cases. The business cost can also include redesigns, delayed launches, stranded inventory, disrupted customer relationships, and distracted leadership.One of the most useful lessons for founders is that getting your own patent does not automatically mean you are free to sell your product. Patentability and freedom to operate are different questions. You may own a patent on an improvement while another company owns a broader earlier patent that still covers part of what you are doing.That is why patent strategy should happen before launch, not after. Review relevant patents while the product can still be changed. Compare important claims to the proposed design. Explore legitimate design-arounds. Document key engineering decisions. And bring qualified patent counsel into high-value product decisions before tooling, inventory, marketing, and distribution make changes painfully expensive.The goal is not to make founders afraid of patents. It is to make them better prepared.If you are building a product in a competitive market, this episode will help you understand where patent risk really comes from, which common assumptions can get businesses into trouble, and how early IP planning can turn a potential legal problem into a smarter product strategy.To chat about this one-on-one, grab a free consult at strategymeeting.com

Kenneth Rogoff, Chair of International Economics at Harvard, warns that rising debt and persistently higher interest rates are leaving the US increasingly vulnerable to the next major shock. He discusses why Washington cannot simply grow its way out of the problem, and why a fiscal crisis may ultimately be needed to force meaningful action. Rogoff spoke to Bloomberg’s Tom Keene on the sidelines of the Jackson Hole Economic Symposium.See omnystudio.com/listener for privacy information.

Jeremy Schwartz, CFA, Global Chief Investment Officer of WisdomTree Investments, joins Michael Gayed on Lead-Lag Live on the eve of WisdomTree's 20-year anniversary to discuss the growth-vs-value cycle, why home bias is quietly costing US investors return, and where the next phase of international diversification is headed. Topics covered: (00:00) Introduction and setting the stage (01:37) WisdomTree's 20-year evolution and $170B global footprint (02:40) Where we are in the growth-vs-value cycle (03:40) Why the US equity risk premium is misunderstood (real vs nominal) (06:15) WTV (US Value) and the Quality Growth Blend (QGRW) rebalance (07:18) WisdomTree's investment process: from pure index to active (08:52) Passive concentration, broadening leadership, and the case against home bias (10:57) Home bias is real - even at $170B AUM, models still tilt heavy US (13:33) Currency hedging: the case Jeremy has made for 15 years (15:41) DXJ, dynamic hedging, and OPPJ's flexible approach (18:50) Why Japan may be structurally overweight worthy (21:26) The case for Europe: contrarian, defense, and shareholder yield (25:00) Emerging markets rotation: from energy to tech (Samsung, TSMC, Hynix) (33:00) Farmland, gold, and multi-asset diversification (38:00) Closing thoughts on the next 20 years for WisdomTree Funds and products referenced: WTV - WisdomTree U.S. Value Fund QGRW - WisdomTree U.S. Quality Growth Fund DXJ - WisdomTree Japan Hedged Equity Fund OPPJ - WisdomTree Japan Opportunities Fund OPPE - WisdomTree European Opportunities Fund GEOA - WisdomTree Geopolitical Alpha Opportunities Fund GDE - WisdomTree Efficient Gold Plus Equity Strategy Fund GDMN - WisdomTree Efficient Gold Plus Gold Miners Strategy Fund About the guest: Jeremy Schwartz, CFA, is the Global Chief Investment Officer of WisdomTree Investments. He has been at WisdomTree since 2005, working alongside Professor Jeremy Siegel of the Wharton School on research covering global equity valuations, dividend strategies, currency hedging, and multi-asset portfolio construction. Jeremy leads the firm's investment function across the US and Europe and has been a leading voice on international diversification, currency hedging, and the case for shareholder-yield strategies for over 15 years. Where to find Jeremy and WisdomTree: Website: wisdomtree.com X: @WisdomTreeFunds Please see the WisdomTree Glossary for additional definitions of terms and/or indexes. The Lead-Lag Report: leadlagreport.com IMPORTANT INFORMATION For fund holdings and standardized performance visit: WisdomTree.com/investments INVESTORS SHOULD CAREFULLY CONSIDER THE INVESTMENT OBJECTIVES, RISKS, CHARGES AND EXPENSES OF THE FUNDS BEFORE INVESTING. TO OBTAIN A PROSPECTUS CONTAINING THIS AND OTHER IMPORTANT INFORMATION, PLEASE CALL 866.909.9473, OR VISIT WISDOMTREE.COM/INVESTMENTS TO VIEW OR DOWNLOAD A PROSPECTUS. READ THE PROSPECTUS CAREFULLY BEFORE YOU INVEST. There are risks associated with investing, including potential loss of principal. Foreign investing involves currency, political and economic risk. Funds focusing on a single country, sector and/or funds that emphasize investments in smaller companies may experience greater price volatility. Investments in emerging markets, real estate, currency, fixed income and alternative investments include additional risks. Due to the investment strategy of certain Funds, they may make higher capital gain distributions than other ETFs. Please see prospectus for discussion of risks. Jeremy Schwartz is a registered representative of Foreside Fund Services, LLC. WisdomTree Funds are distributed by Foreside Fund Services, LLC, in the U.S. Sign up to The Lead-Lag Report on Substack and get 30% off the annual subscription today by visiting http://theleadlag.report/leadlaglive. Support the show

Interview with Colin Joudrie, CEO, Selkirk CopperOur previous interview: https://www.cruxinvestor.com/posts/selkirk-copper-mines-tsxvscmi-restart-developer-targets-mid-2028-production-10866Recording date: 26th August 2026Selkirk Copper Mines is executing a restart of the past-producing Minto copper-gold-silver mine in Yukon, Canada, an asset that operated successfully for 16 years before its most recent operator entered bankruptcy in 2023. Rather than building a new mine, Selkirk is rehabilitating existing infrastructure - a 4,100 tonne-per-day processing plant, underground and open-pit workings, a 400-person camp, water treatment facilities and grid power - an approach management argues meaningfully compresses both the capital and time required to reach production.The exploration case has strengthened materially over the past year. A Phase 1 drill programme of 52,288 metres, completed in mid-2026, underpinned an updated Mineral Resource Estimate showing a 182% increase in Measured & Indicated copper to 940 million pounds, alongside comparable increases in gold and silver. An ongoing Phase 2 programme, targeting 50,000 metres, is now more than 90% complete and running ahead of schedule, with recent assay results including a 13.12% copper-equivalent intercept at the high-grade Minto North zone and step-out drilling that suggests further expansion potential to the south. Roughly half of the resource growth is attributed to drilling success, with the remainder reflecting updated metal price assumptions.A structural feature distinguishes Selkirk's economics from the prior operation: a gold and silver streaming agreement that previously diverted precious metals revenue to an outside party was eliminated during the bankruptcy process. CEO Colin Joudrie describes this as a rare outcome that leaves the company with full exposure to gold and silver, which together represent roughly 35% of the deposit's value. Management also plans metallurgical upgrades - adding gravity recovery circuits and a permanent crusher circuit - intended to lift precious metals recovery and reduce milling costs relative to historical performance.The near-term roadmap is defined. A Preliminary Economic Assessment, incorporating the enlarged resource base, is targeted for completion in Q3 2026 and will provide the first formal cost and production estimate under Selkirk's ownership. A Feasibility Study is expected to begin around the end of September 2026, feeding into a final investment decision targeted for mid-2027, with first production targeted for mid-2028. Restart capital costs are currently expected to be in the range of C$200 million, financing for which - alongside potential offtake and streaming arrangements - is expected to be arranged over the next 12-18 months.Joudrie situates the restart within a broader copper market thesis: negative treatment and refining charges, ageing global mine supply, and recent major operational failures elsewhere have left the market structurally short, a gap he believes new, quickly-executed supply like Minto is well positioned to help fill. Risks include permitting amendment timing, which remains outside the company's direct control, Yukon-specific cost inflation in contract mining, and the execution risk of translating a substantially larger drill database into a coherent, financeable mine plan. The PEA release stands as the clearest near-term test of whether the exploration success translates into a credible economic case.Learn more: https://www.cruxinvestor.com/companies/selkirk-copperSign up for Crux Investor: https://cruxinvestor.com/subscribe

Bill Powers and co-host Brian Leni sit down for their monthly Junior Mining Insights chat to discuss how to discern ‘margin of safety' in early-stage junior miners. Other topics include identifying retail investor mass psychology, junior mining stock IPO dynamics, jurisdictional risks with First Nations even after permit issuance and much more. Refine your investment process as you listen to two full-time junior resource investors reflect on their past month of junior mining musings. 00:00 Intro 00:24 Margin of Safety Debate 02:28 Management and Valuation 05:57 Macro Timing Vs Value 08:39 IPOs And Retail Risk 13:55 Nasdaq Uplisting Upside 19:20 Seabridge KSM Shock 20:44 First Nations Risk Lens 28:41 Negotiation or Real Opposition 32:37 Permitting and Opposition 34:00 Metallurgy Due Diligence 37:21 Regulation Versus Enforcement 39:29 Marketing over Geology?! 44:06 Views and Mass Psychology 52:19 Timeless Content and Emotions 56:00 Networking and Mentors Brian's website: https://www.juniorstockreview.com/ Brian's YT: https://www.youtube.com/@FIELD_NOTES Bill's Twitter: https://x.com/MiningStockEdu Sign up for our free newsletter and receive interview transcripts, stock profiles and investment ideas: http://eepurl.com/cHxJ39 Bill and Brian are not licensed financial advisors. Mining Stock Education offers informational content based on available data but it does not constitute investment, tax, or legal advice. It may not be appropriate for all situations or objectives. Readers and listeners should seek professional advice, make independent investigations and assessments before investing. MSE does not guarantee the accuracy or completeness of its content and should not be solely relied upon for investment decisions. MSE and its owner may hold financial interests in the companies discussed and can trade such securities without notice. MSE is biased towards its advertising sponsors which make this platform possible. MSE is not liable for representations, warranties, or omissions in its content. By accessing MSE content, users agree that MSE and its affiliates bear no liability related to the information provided or the investment decisions you make. Full disclaimer: https://www.miningstockeducation.com/disclaimer/

Ike Reese and Spike Eskin break down Jalen Hurts' aggressive approach to the Eagles' new offense and his willingness to take chances during training camp. They analyze Jordan Mailata's comments on the quarterback's development and discuss Nick Sirianni's reasons for implementing schematic changes.

They were wrong: software and AI are running togetherSean Emory of Avory & Co. argues the SaaS apocalypse narrative is broken. CRPO accelerations at Salesforce, ServiceNow, Okta, Palantir, MongoDB, and Zoom, plus NVIDIA's data center guide, show software and AI are compounding together, not cannibalizing. Sean walks the four layers of the AI stack, why distribution wins at the application layer, and where the real risks sit.Chapters00:00 The SaaS is dead narrative01:07 Intro and disclosures01:50 Is the SaaS apocalypse wrong03:52 Backlog signals: CRPO04:16 Salesforce and Agentforce05:50 ServiceNow and Okta06:52 MongoDB and Zoom08:31 Four layers of the AI stack12:37 NVIDIA's full stack strategy16:31 Risks and what to watch18:11 Wrap upMore from Avory & Co.Newsletter: investingwithdata.comWebsite: avoryfunds.comDisclaimerFor educational purposes only. Not investment advice. Opinions reflect our views as of the recording date and may change. Avory & Co. and Sean Emory may hold positions in securities discussed. Do your own research and consult a professional before making investment decisions.

Nvidia's strong results and accelerating AI demand fuel optimism across tech as investors look for the next winners in software, cloud and cybersecurity. Plus, nuclear power gains momentum as the military and data centers seek reliable new energy sources. Later, AI regulation, job disruption, U.S. China competition, semiconductor tariffs and Jackson Hole keep investors focused on the risks ahead. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Dr. Wendy Pomerantz joins host Dr. Edith Bracho-Sanchez to talk about choosing a pet. They explore the social emotional benefits of pet ownership, along with important safety and health considerations and the types of pets to avoid for families with young children. Learn how to tell if your child is ready for a pet and how to choose one that matches your child's temperament. For resources go to healthychildren.org/podcast.

#292: What happens to your points and miles when you die? And how can you make sure they don't disappear? Chris breaks down how major banks, airlines, and hotel programs handle rewards after death, strategies to protect or transfer your points, and the steps you can take now to make things easier for your family. Plus, learn what to do if you're already dealing with a loved one's rewards, why documenting your accounts and logins matters, and the surprising rules around gift cards, divorce, and timeshares. Link to Full Show Notes: https://chrishutchins.com/points-and-miles-after-death Partner Deals LMNT: ⁠Free sample pack of my favorite electrolyte drink mix Fabric: ⁠Affordable term life insurance for you and your family Bilt Rewards: ⁠Earn the most valuable points when you pay rent Copilot Money: ⁠Free 2 months access to my favorite personal finance app with code HACKS2 DeleteMe: ⁠20% off removing your personal info from the web For all the deals, discounts and promo codes from our partners, go to: ⁠chrishutchins.com/deals Resources Mentioned Tools & Resources Points & Miles Death and Transfer Rules PDF Silo Markets Trustworthy Notion 1Password Books & People The Points Guy Die With Zero: Getting All You Can from Your Money and Your Life by Bill Perkins ATH Podcast #200: Debunking Tax Myths, Avoiding Audits and Maximizing Savings with Jasmine DiLucci #285: Why Net Fulfillment Beats Net Worth with Bill Perkins Hotel Upgrade Program Best Cards Page Gift Cards Page Newsletter AMA: Submit Questions Leave a review: Apple Podcasts | Spotify Email for questions, hacks, deals, and feedback: podcast@chrishutchins.com Full Show Notes (00:00) Introduction (01:16) Your Points & Miles Aren't Actually Your Property (02:31) Can You Legally Access a Deceased Person's Accounts? (07:49) What Happens to Bank & Credit Card Points After Death (09:52) Why Amex Is One of the Most Generous Programs (13:51) Transferring Points Before Someone Passes Away (17:23) How Annual Fees Are Handled (17:51) What Happens to Business Cards (18:18) Moving Bank Points to Loyalty Programs (18:51) What Happens to Airline Miles (23:09) Why You Should Push Back With Airlines (24:13) Other Ways to Use or Preserve Airline Miles (25:50) How Hotel Points Are Handled (and Why They're Easier) (31:26) Hotel Certificates & Flight Credits (32:41) What Happens to Rental Car Points (33:55) Don't Hoard Your Points (34:12) Document Every Account and Login (37:17) Set Up Points Pooling and Authorized Users in Advance (37:43) Leave Clear Instructions for Your Heirs (38:03) Why You Need a Financial Power of Attorney (38:36) Don't Let Auto-Pays Shut Down an Account (39:08) Proactively Transfer Points Out (39:45) Where to Move Bank Points in a Hurry (45:30) Choosing Someone to Manage Your Points & Miles (47:00) The Checklist for When a Family Member Passes (48:21) Hang Up, Call Again (49:55) Document Everything You Do (50:30) How Points Are Handled in Divorce (51:30) Why Gift Cards Are Different (51:50) The Risks of Inheriting a Timeshare Connect with Chris ⁠⁠Newsletter⁠⁠ | ⁠Membership⁠⁠ | ⁠X⁠⁠ | ⁠Instagram⁠⁠ | ⁠LinkedIn⁠⁠ Editor's Note: The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post. Learn more about your ad choices. Visit megaphone.fm/adchoices

Traders and analysts are warning oil prices could soon hit $100 a barrel again, Germany is becoming a magnet for international defence groups, and Canada has announced retaliatory tariffs of up to 50 per cent on US imports. Plus, Wall Street is stretching itself to finance massive investment in data centres, and European heatwaves have prompted the continent to look to the Gulf for air-conditioning inspiration. Mentioned in this podcast:Oil crunch threatens to send prices back above $100 a barrel, investors sayThe multiplying risks of investing in data centresCanada announces $20bn retaliatory tariffs as US trade war escalatesBerlin's defence push draws global groups to set up shop in GermanyGulf's outdoor air-con catches eye of EuropeansWant to get in touch? Email us at podcasts@ft.comNote: The FT does not use generative AI to voice its podcasts The FT News Briefing is produced by Victoria Craig, Sonja Hutson, and Saffeya Ahmed. Our show is mixed by Sam Giovinco and Alex Higgins. Additional help from Gavin Kallmann, Michael Lello, Peter Barber and David da Silva. Our executive producer is Topher Forhecz. Flo Phillips is the FT's global head of audio. The show's theme music is by Metaphor Music. Read a transcript of this episode on FT.com Hosted on Acast. See acast.com/privacy for more information.

In this episode, Catrina M. Craft shares expert insights on tax strategies, entity structures, and deductions for entrepreneurs, emphasizing proactive planning and the importance of working with a strategist to optimize wealth building."Start planning now before it's too late."Chapters:00:00 Introduction to Proactive Tax Planning02:05 Introduction of Catrina M. Craft and Episode Context04:06 Using an Accountability Plan for Reimbursements06:26 Starting Tax Strategies Before Making Six Figures09:02 Risks of Not Having an Accountability Plan12:11 The Complexity of the Tax Code15:13 Difference Between Bookkeepers, Accountants, and CPAs16:21 The Value of Working with a Tax Strategist17:18 Upcoming Topics on Charitable Donations18:33 Encouragement to Follow and Learn MoreMore Key Takeaways:*Tax strategy importance for entrepreneurs*Entity structures and their impact on taxes*How to properly reimburse business expenses*Timing for tax season"It's just like a doctor, you have specialists."EPISODE #1/10: Unlocking Tax Strategies for Entrepreneurs: January 26, 2026: https://thatentrepreneurshow.buzzsprout.com/737252/episodes/18570362-unlocking-tax-strategies-for-entrepreneursEPISODE #2/10: Unlocking Home Office Deductions February 9, 2026: https://thatentrepreneurshow.buzzsprout.com/737252/episodes/18646020-unlocking-home-office-deductionsEPISODE #3/10: Hidden Tax Strategies Revealed: March 9, 2026: https://thatentrepreneurshow.buzzsprout.com/737252/episodes/18814431-hidden-tax-strategies-revealedEPISODE #4/10: Strategic Family Travel & Tax Benefits: June 10, 2026: https://thatentrepreneurshow.buzzsprout.com/737252/episodes/18814431-hidden-tax-strategies-revealedEPISODE #5/10: The Top 3 Tax Mistakes Entrepreneurs Make: July 29, 2026: https://thatentrepreneurshow.buzzsprout.com/737252/episodes/19565414-the-top-3-tax-mistakes-entrepreneurs-makeSend us Fan MailSupport the showRemember to subscribe for the next episode. Show Partner: ComingAlive PodcastProduction.comMusic Credits: Copyright Free Music from Adventure by MusicbyAden.

If MS has your legs feeling tight, heavy, or slow to respond… this episode is for you. In this episode, I'm joined by vibration therapy expert Debbie Pelletier to answer the questions I get asked most about vibration plates and multiple sclerosis (MS). Not in a "here's a fancy piece of equipment" way. In a "here's what's actually happening in your body, here's how to use it, and here's what to check before you spend the money" way. Here's what we cover

The threat landscape has become more interconnected, disruptive, and complex. Ransomware is now as much about extortion and data theft as it is about encryption. Supply chain events can create outages that ripple far beyond the initial target, and business interruption increasingly comes from third-party and cloud dependencies. How should CISOs prepare for these scenarios? Dan Bowden, Global Business CISO at Marsh, joins Business Security Weekly to discuss how to connect cyber risk to the outcomes boards care about most: resilience, financial exposure, regulatory impact, and reputation. CISOs need to position cyber as an enterprise risk, not a technical risk, that can be measured, prioritized, and managed alongside other strategic risks. Dan will discuss the results of Marsh's Cyber Catalyst research and Global Cyber Claims Report. Visit https://securityweekly.com/infosecworld2026 and save 30% on your ISW pass with code: ISW26-SWSAVINGS The Agent Is the New Insider: Why Human Risk Doesn't Stop at People: Black Hat Interview with Leslie Nielson, CISO at Mimecast AI agents now act with the same credentials and access as the humans who deployed them, but without the judgment or accountability that comes with actual employment. Mimecast CISO Leslie Nielsen argues that treating agentic AI as a brand new, standalone security category is the wrong instinct: agents are an extension of human risk, and the controls organizations already use to manage people are the right foundation for managing machines. In this conversation, Nielsen unpacks the growing gap between security leaders who expect AI driven attacks and those who feel prepared for them, and what that gap means for CISOs walking the floor at Black Hat. Segment Resources: Mimecast's new whitepaper Securing The Agentic Enterprise: https://assets.mimecast.com/api/public/content/securing-the-agentic-enterprise?v=ea66db05 Mimecast's landing page for thought leadership resources: https://www.workprotected.com/ Mimecast's State of Human Risk Report: https://www.mimecast.com/resources/ebooks/state-of-human-risk/ Mimecast's Threat Intelligence Hub: https://www.mimecast.com/threat-intelligence-hub/ For more information about Mimecast please visit: https://securityweekly.com/mimecastbh Ransomware Moves up the Org Chart: Managers Are Prime Targets: Black Hat Interview with Brett Stone-Gross, Sr. Director, Threat Intelligence at Zscaler When a ransomware attack makes headlines, attention usually turns to the organization that was breached, the systems encrypted, data stolen, and disruption or ransom demand that followed. Less, if anything, is revealed about the employees compromised at the start of the attack, and what makes those individuals valuable targets. New Zscaler ThreatLabz research examines this early stage of a real-world ransomware attack. ThreatLabz identified victims of a campaign associated with a ransomware group known for gaining initial access, stealing large amounts of corporate data, and selectively encrypting critical systems. The findings show who those victims were and how their roles and authority could help an attacker move deeper into an organization. This is part of ongoing ransomware research by ThreatLabz. The Zscaler ThreatLabz 2026 Ransomware Report, coming in the next two months, will include additional data on ransomware victims, the latest ransomware trends, targets, and tactics, and the risks enterprises should prepare for next. This segment is sponsored by Zscaler. Visit https://securityweekly.com/zscalerbh to learn more about them! Visit https://www.securityweekly.com/bsw for all the latest episodes! Show Notes: https://securityweekly.com/bsw-462

Labor Live is your chance to practice navigating labor before you're actually in it. This interactive birth simulation delivers real-life labor scenarios straight to your phone, letting you make decisions, explore your options, and learn what questions to ask your provider along the way. Labor Live starts September 1. Head to https://joinlaborlive.com/ to save your spot! Low amniotic fluid can be one of those pregnancy diagnoses that sends you straight into a Google rabbit hole. So in this episode, HeHe sits down with board-certified OBGYN Dr. Lawren Honken to break down oligohydramnios, what it actually means, how it's diagnosed, and when low fluid may or may not mean it's time to induce. Dr. Lawren explains how providers measure amniotic fluid, including the difference between the single deepest pocket and AFI, and why one measurement may give us a more useful picture than the other. They also dig into what can contribute to low fluid, from dehydration and placental function to hypertension, preeclampsia, fetal growth restriction, ruptured membranes, and other pregnancy complications. And then we get into the big question: Does low amniotic fluid automatically mean you need an induction? Spoiler: it's more nuanced than that. HeHe and Dr. Lawren talk through hydration and repeat ultrasounds, fetal monitoring, the risks associated with truly low fluid, ACOG guidance for isolated oligohydramnios, and what happens when you're trying to decide whether to continue the pregnancy or move toward delivery. They also have a really important conversation about informed consent, trauma-informed care, provider communication, and why a diagnosis shouldn't automatically mean you're rushed into a decision without understanding your options. Because sometimes the most empowering thing your provider can give you isn't another intervention. It's information, context, and the space to make an informed decision about your own body and baby. If you've been told you have low amniotic fluid, you're being monitored for oligohydramnios, or you're trying to understand when an induction is actually medically indicated, this is one you want in your back pocket. Chapters 00:00 Induction Shockwave 01:12 Pregnancy Diagnosis Minefield 03:42 Meet Dr. Lawren Honken 07:52 What Is Low Amniotic Fluid? 10:55 Hydration, Placenta & Clues 14:34 What Causes Low Fluid? 19:20 Amnioinfusion Explained 22:25 When Does Induction Make Sense? 29:08 Individualized & Trauma-Informed Care 33:31 HeHe Shares a Personal Birth Story 36:41 When Your Water Breaks Without Contractions 39:13 How Accurate Is an Ultrasound? 41:00 The Risks of Low Amniotic Fluid 46:49 Advocating for Your Options 51:27 The Triage Reassurance Algorithm 54:20 Provider Compassion & Burnout 01:00:26 Questions to Ask Your Provider 01:02:03 Where to Follow Dr. Lawren 01:03:17 Final Wrap & Subscribe Guest Bio: Dr. Lawren Honken is a board-certified OB/GYN, Certified Menopause Practitioner, surgeon, mother of four, and creator of Your Friend the OB/GYN. She is passionate about helping women understand their options through evidence-based education so they can make informed decisions that align with their values, goals, and unique circumstances. Her approach emphasizes patient autonomy, shared decision-making, and compassionate, individualized care. Connect with Dr. Honken here: YourFriendTheOBGYN.com SOCIAL MEDIA: Connect with HeHe on Instagram: https://www.instagram.com/tranquilitybyhehe/  Connect with Dr. Honken on IG: https://www.instagram.com/yourfriendtheobgyn/ LINKS MENTIONED: IG account measure the placenta: https://www.instagram.com/measuretheplacenta/ Listen to our episode with Dr. Florescue here: ​​https://www.youtube.com/watch?v=VEex1HJId2o BIRTH EDUCATION: Learn how to stay in control of your birth and reduce the risk of unnecessary interventions in our Avoid a C-Section Webinar. HeHe breaks down the cascade of interventions, explains what's really happening in the hospital, and shares practical strategies to protect your birth plan, advocate for yourself, and navigate labor with confidence. Perfect for anyone who wants a positive, informed hospital birth experience: https://www.thebirthlounge.com/csection Feeling nervous about speaking up in labor? Our Scripts for Advocacy give you the exact words to handle the most common conversations that can make or break your birth experience. From declining unnecessary interventions to asking the right questions about procedures, these scripts empower you to stay in control, speak confidently, and protect your birth plan — even when the pressure is on. Think of it as your personal toolkit for advocating like a pro, so you can focus on your baby, not the stress: https://www.thebirthlounge.com/Scripts-for-Advocacy And if you haven't grabbed it yet… Snag my free Pitocin Guide to understand the risks, benefits, and red flags your provider may not be telling you about, so you can make informed, powerful decisions in labor: https://www.thebirthlounge.com/pitocin Join The Birth Lounge for judgment-free, evidence-based childbirth education from HeHe that shows you exactly how to navigate hospital policies, avoid unnecessary interventions, and have a trauma-free labor experience, all while feeling wildly supported every step of the way: https://www.thebirthlounge.com/ Want prep delivered straight to your phone? Download The Birth Lounge App for bite-sized birth and postpartum tools you can use anytime, anywhere: https://www.thebirthlounge.com/app

The Supreme Court on Monday said that President Trump could begin carrying out parts of an executive order intended to restrict mail voting, but additional legal challenges could hinder implementation of his plan before the November midterm election. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Today's Mystery: When a Butte service-station attendant disappears under mysterious circumstances, his lifelong friend, Helena Independent Record reporter Alan Copperthwaite, refuses to let the story fade away. Following a slender trail of clues across Montana, Copperthwaite risks his own safety in a deeply personal search for the truth.Original Radio Broadcast:March 19, 1952.Originating in New YorkCast:Bill Lipton as Alan CopperthwaiteJane RobbinJoe DeSantisPhil SterlingOwen JordanJoe HelgesenJim StevensBob Sloane as NarratorAdapted by Abraham S. GinnesOriginal music composed and conducted by Vladimir SelinskySupport the show monthly at https://patreon.greatdetectives.netPatreon Supporter of the Day: Michael, Patreon supporter since May 2026.Support the show on a one-time basis at http://support.greatdetectives.net.Mail a donation to: Adam Graham, PO Box 15913, Boise, Idaho 83715Take the listener survey…http://survey.greatdetectives.netGive us a call 208-991-4783Follow us on Instagram at http://instagram.com/greatdetectivesBecome one of our friends on Facebook.Follow us on Twitter@radiodetectivesJoin us again tomorrow for another detective drama from the Golden Age of Radio.

Schedule a Free Financial Assessment with an experienced professional:https://bit.ly/YMYWassessCEach of the questions Joe Anderson, CFP® and Big Al Clopine, CPA are spitballing today on Your Money, Your Wealth® podcast 596 has a real retirement risk attached to it. Philip and Elizabeth in DC have $7M. Philip's dying to quit a job he hates, but he's loading up on bonds to protect the nest egg. At 56, could playing it too safe be his real risk? Mr. Mojo Risin wants to retire in three years, but $1.7M of his nest egg is riding on one stock, and he needs a good CPA to help defuse it. BB and Shell got pitched a slick new AI crypto investment promising 15% a month. Too good to be true? And Huggy Bear in New Hampshire has $450K in cash value life insurance. Should he grab it now, or wait 20 years until he's 80?9th Annual YMYW Podcast Survey (password ymyw):https://www.surveymonkey.com/r/ymywpodcast2026/The Ultimate Investing Guide - free download:https://purefinancial.com/white-papers/the-ultimate-investing-guide/?utm_source=captivate&utm_medium=podcast&utm_campaign=whitepaper-ultimate-investing-guide&utm_content=ymyw-pod-ep596-description-whitepaperRetirement Readiness Guide - free download:https://purefinancial.com/white-papers/retirement-readiness-guide/?utm_source=captivate&utm_medium=podcast&utm_campaign=whitepaper-retirement-readiness-guide&utm_content=ymyw-pod-ep596-description-whitepaperRetire at 62: Great Idea or Huge Mistake? - YMYW TV:https://purefinancial.com/ymyw/episodes/retire-at-62-great-idea-or-huge-mistake/?utm_source=captivate&utm_medium=podcast&utm_campaign=ymyw-tv&utm_content=ymyw-pod-ep596-description-tv-s11e14Financial Blueprint (free, self-guided):https://bit.ly/YMYWblueprintCREQUEST your Retirement Spitball Analysis:https://bit.ly/YMYWaskCDOWNLOAD more free guides:https://bit.ly/YMYWguidesCREAD financial blogs:https://bit.ly/YMYWblogCWATCH educational videos:https://bit.ly/YMYWvidsCSUBSCRIBE to the YMYW Newsletter:https://bit.ly/YMYWnewsletterCConnect With Us:Subscribe on YouTube and join the conversation in the comments:https://bit.ly/YMYW-YTSubscribe or follow YMYW in your favorite podcast app:https://lnk.to/ymywLeave your honest reviews and ratings in Apple Podcasts:https://podcasts.apple.com/us/podcast/your-money-your-wealth/id312900254Chapters: 00:00 - Intro: This Week on the YMYW Podcast01:03 - We Have $7M and I Hate My Job. Why Am I Still Here? (Philip & Elizabeth, Washington DC)10:20 - Retiring in 3 Years, $1.7M in One Stock. Where's the CPA for This? (Mr. Mojo Risin, GA)19:33 - Is This AI Crypto Investment With 15% Monthly Return Too Good to Be True? (BB & Shell)28:48 - Cash Out $450K in Life Insurance or Wait Until 80? (Huggy Bear, New Hampshire)39:28 - Outro: Next Week on the YMYW Podcast40:58 - The Derails: The Americans, Mr. Mojo Risin