Podcasts about Safe harbor

On September 30th, ServiceNow's AI Experience launched, and with it came one of the most transformative new features: Web Agents! On this week's episode of Break Point, Lauren McManamon was joined by returning guest, Jingfei Chen, to unveil how Web Agents automate tasks by navigating browser UIs like a human. Learn how this catch-all agent works, where it fits alongside APIs and RPA, and why it’s set to change how developers approach automation. ⏱️ Timestamps 00:00 Introduction 02:37 What ARE ServiceNow Web Agents? 07:09 So, Web Agents Are Not ONLY Accessible Through Chat? 09:41 How Are Web Agents Similar/Different From RPA? 12:25 What Are Some Cornerstone Use Cases for Web Agents? 17:19 What Are the V1 Capabilities / Limitations of Web Agents? 18:47 What Are Web Agent Best Practices? 22:18 Where Can People Try Out Web Agents? 23:55 What’s On the Roadmap for Web Agents? *SAFE HARBOR* 27:01 How Have Priorities Changed to Meet Market Expectations? 29:50 What Are Initial Customer Thoughts on Web Agents? 31:11 Where Can People Provide Feedback on Web Agents? 32:02 Call to Action 33:57 Conclusion

On September 30th, ServiceNow's AI Experience launched, and with it came one of the most transformative new features: Web Agents! On this week's episode of Break Point, Lauren McManamon was joined by returning guest, Jingfei Chen, to unveil how Web Agents automate tasks by navigating browser UIs like a human. Learn how this catch-all agent works, where it fits alongside APIs and RPA, and why it’s set to change how developers approach automation. ⏱️ Timestamps 00:00 Introduction 02:37 What ARE ServiceNow Web Agents? 07:09 So, Web Agents Are Not ONLY Accessible Through Chat? 09:41 How Are Web Agents Similar/Different From RPA? 12:25 What Are Some Cornerstone Use Cases for Web Agents? 17:19 What Are the V1 Capabilities / Limitations of Web Agents? 18:47 What Are Web Agent Best Practices? 22:18 Where Can People Try Out Web Agents? 23:55 What’s On the Roadmap for Web Agents? *SAFE HARBOR* 27:01 How Have Priorities Changed to Meet Market Expectations? 29:50 What Are Initial Customer Thoughts on Web Agents? 31:11 Where Can People Provide Feedback on Web Agents? 32:02 Call to Action 33:57 Conclusion

Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society.   In this episode, Justin interviews Katherine Henry of Bradley, Arant, Boult, Cummings, and Harold (Hal) Weston of Georgia State University, Greenberg School of Risk Science, who are here to discuss their new professional report, “A 2025 Cybersecurity Legal Safe Harbor Overview.” Katherine and Hal take the discussion beyond the pages and delve into best cybersecurity practices, cyber insurance, and Safe Harbor laws offered by some states and possibly to be offered soon by others. They discuss frameworks and standards, and what compliance means for your organization, partly based on your state law.   Listen for advice to help you be prepared against cybercrime.   Key Takeaways: [:01] About RIMS and RIMScast. [:16] About this episode of RIMScast. We will be joined by the authors of the legislative review, “A 2025 Cybersecurity Legal Safe Harbor Overview”, Katherine Henry and Harold Weston. Katherine and Harold are also prominent members of the RIMS Public Policy Committee. [:48] Katherine and Harold are also here to talk about Cybersecurity Awareness Month and safe practices. But first…  [:53] RIMS-CRMP Prep Workshops! The next RIMS-CRMP Prep Workshops will be held on October 29th and 30th and led by John Button. [1:05] The next RIMS-CRMP-FED Virtual Workshop will be held on November 11th and 12th and led by Joseph Mayo. Links to these courses can be found through the Certifications page of RIMS.org and through this episode's show notes. [1:23] RIMS Virtual Workshops! RIMS has launched a new course, “Intro to ERM for Senior Leaders.” It will be held again on November 4th and 5th and will be led by Elise Farnham. [1:37] On November 11th and 12th, Chris Hansen will lead “Fundamentals of Insurance”. It features everything you've always wanted to know about insurance but were afraid to ask. Fear not; ask Chris Hansen! RIMS members always enjoy deep discounts on the virtual workshops! [1:56] The full schedule of virtual workshops can be found on the RIMS.org/education and RIMS.org/education/online-learning pages. A link is also in this episode's notes. [2:08] Several RIMS Webinars are being hosted this Fall. On October 16th, Zurich returns to deliver “Jury Dynamics: How Juries Shape Today's Legal Landscape”. On October 30th, Swiss Re will present “Parametric Insurance: Providing Financial Certainty in Uncertain Times”. [2:28] On November 6th, HUB will present “Geopolitical Whiplash — Building Resilient Global Risk Programs in an Unstable World”. Register at RIMS.org/Webinars. [2:40] Before we get on with the show, I wanted to let you know that this episode was recorded in the first week of October. That means we are amid a Federal Government shutdown. RIMS has produced a special report on “Key Considerations Regarding U.S. Government Shutdown.” [2:58] This is an apolitical problem. It is available in the Risk Knowledge section of RIMS.org, and a link is in this episode's show notes. Visit RIMS.org/Advocacy for more updates. [3:12] Remember to save March 18th and 19th on your calendars for the RIMS Legislative Summit 2026, which will be held in Washington, D.C. I will continue to keep you informed about that critical event. [3:24] On with the show! It's National Cybersecurity Awareness Month here in the U.S. and in many places around the world. Cyber continues to be a top risk among organizations of all sizes in the public and private sectors. [3:40] That is why I'm delighted that Katherine Henry and Harold (Hal) Weston are here to discuss their new professional report, “A 2025 Cybersecurity Legal Safe Harbor Overview”. [3:52] This report provides a general overview of expected cybersecurity measures that organizations must take to satisfy legal Safe Harbor requirements. [4:01] It summarizes state Safe Harbor laws that have been developed to ensure organizations are proactive about cybersecurity and that digital, financial, and intellectual assets are legally protected when that inevitable cyber attack occurs. [4:15] We are here to extend the dialogue. Let's get started! [4:21] Interview! Katherine Henry and Hal Weston, welcome to RIMScast! [4:41] Katherine was one of he first guests on RIMScast. Katherine is Chair of the Policyholder Insurance Coverage Practice at Bradley, Arant, Boult, Cummings. Her office is based in Washington, D.C. She works with risk managers all day on insurance issues. [5:05] Katherine has been a member of the RIMS Public Policy Committee for several years. She serves as an advisor to the Committee. [5:12] Justin thanks Katherine for her contributions to RIMS. [5:25] Hal is with Georgia State University. He has been with RIMS for a couple of decades. Hal says he and Katherine have served together on the RIMS Public Policy Committee for maybe 10 years. [5:48] Hal is a professor at Georgia State University, a Clinical Associate in the Robinson College of Business, Greenberg School of Risk Science, where he teaches risk management and insurance. Before his current role, Hal was an insurance lawyer, both regulatory and coverage. [6:05] Hal has a lot of students. He is grading exams this week. He has standards for his class. In the real world, so does a business. [6:46] Katherine and Hal met through the RIMS Public Policy Committee. They started together on some subcommittees. Now they see each other at the annual meeting and on monthly calls. [7:05] Katherine and Hal just released a legislative review during RIMS's 75th anniversary, “A 2025 Cybersecurity Legal Safe Harbor Overview”. It is available on the Risk Knowledge page of RIMS.org. [7:20] We're going to get a little bit of dialogue that extends beyond the pages. [7:31] Katherine explains Safe Harbor: When parties are potentially liable to third parties for claims, certain states have instilled Safe Harbor Laws that say, If you comply with these requirements, we'll provide you some liability protection. [7:45] Katherine recommends that you read the paper to see what the laws are in your state. The purpose of the paper is to describe some of those Safe Harbor laws, as well as all the risks. [8:04] October 14th, the date this episode is released, is World Standards Day. Hal calls that good news. Justin says the report has a correlation with the standards in the risk field. [8:43] Justin states that many states tie Safe Harbor eligibility to frameworks like NIST, the ISO/IEC 27000, and CIS Controls. [9:27] Hal says, There are several standards, and it would be up to the Chief Information Security Officer to guide a company on which framework might be most appropriate for them. There are the NIST, UL, and ISO, and they overlap quite a bit. [9:56] These are recognized standards. In some states, if a company has met this standard of cybersecurity, a lawsuit against the company for breach of its standard of care for maintaining its information systems would probably be defensible for having met a recognized standard. [10:23] Katherine adds that as risk managers, we can't make the decision about which of these external standards is the best. Many organizations have a Cybersecurity Officer responsible for this. [10:44] For smaller organizations, there are other options, including outsourcing to a vendor. Their insurance companies may have recommendations. So you're not on your own in making this decision. [11:14] Katherine says firms should definitely aim for one recognized standard. Katherine recommends you try to adhere to the highest standard. If you are global, you need to be conscious of standards in other countries. [11:46] Hal says California tends to have the highest standards for privacy and data protection. If you're a financial services company, you're subject to New York State's Department of Financial Services Cyber Regulation. [12:02] If you're operating in Europe, GDPR is going to be the guiding standard for what you should do. Hal agrees with Katherine: Any company that spans multiple states should pick the highest standard and stick to that, rather than try to implement five or 52 standards. [12:23] When you're overseas, you may not be able to just pick the highest standard; there are challenges in going from one country or region of Europe back to the U.S. If one is higher, it will probably be easier. [12:38] There are major differences between the U.S., which has little Federal protection, vs. state protection. [13:10] Katherine says if you don't have the internal infrastructure, and you can't afford that infrastructure, the best thing is to pivot to an outside vendor. There are many available, with a broad price range. Your cyber insurer may also have some vendors they already work with. [13:40] Hal would add, Don't just think about Safe Harbors. That's just a legal defense. Think about how you reduce the risk by adopting standards or hiring outside firms that will provide that kind of risk protection and IT management. [13:59] If they're doing it right, they may tell you the standards they use, and they may have additional protocols, whether or not they fall within those standards, that would also be desirable. A mid-sized firm is probably outsourcing it to begin with. [14:21] They have to be thinking about it as risk, rather than just Safe Harbor. You have to navigate to the Safe Harbor. You don't just get there. [14:31] Quick Break! RISKWORLD 2026 will be in Philadelphia, Pennsylvania, from May 3rd through the 6th. RIMS members can now lock in the 2025 rate for a full conference pass to RISKWORLD 2026 when you register by October 30th! [14:50] This also lets you enjoy earlier access to the RISKWORLD hotel block. Register by October 30th, and you will also be entered to win a $500 raffle! Do not miss out on this chance to plan and score some of these extra perks! [15:03] The members-only registration link is in this episode's show notes. If you are not yet a member, this is the time to join us! Visit RIMS.org/Membership and build your network with us here at RIMS! [15:16] The RIMS Legislative Summit 2026 is mentioned during today's episode. Be sure to mark your calendar for March 18th and 19th in Washington, D.C. Keep those dates open. [15:28] Join us in Washington, D.C., for two days of Congressional Meetings, networking, and advocating on behalf of the risk management community. Visit RIMS.org/Advocacy for more information and updates.  [15:41] Let's return to our interview with Katherine Henry and Hal Weston! [15:54] We're talking about their new paper, “A 2025 Cybersecurity Legal Safe Harbor Overview”. Katherine mentions that some businesses are regulated. They have to comply with external regulatory standards. [16:38] Other small brick-and-mortar businesses may not have any standards they have to comply with. They look for what to do to protect themselves from cyber risk, and how to tell others they are doing that. [16:54] If you can meet the standards of Safe Harbor laws, a lot of which are preventative, before a breach, you can inform your customers, “These are the protections we have for your data.” You can tell your board, “These are the steps we're taking in place.” [17:13] You can look down the requirements of the Safe Harbor law in your state or a comparable state, and see steps you can take in advance so you can say, “We are doing these things and that makes our system safer for you and protects your data.” [17:34] Hal says you don't want to have a breach, and if you do, it would be embarrassing to admit you were late applying a patch, implementing multi-factor authentication, or another security measure. By following standards of better cyber protection, you avoid those exposures. [18:07] Hal says every company has either been hacked and knows it, or has been hacked and doesn't know it. If you're attacked by a nation-state that is non-preventable, you're in good shape. [18:26] If you're attacked because you've left some ports open on your system, or other things that are usually caught in cybersecurity analyses or assessments, that's the embarrassing part. You don't want to be in that position. [18:43] Katherine says it's not just your own systems, but if you rely on vendors, you want to ensure that the vendors have the proper security systems in place so that your data, to the extent that it's transmitted to them, is not at risk. [19:07] Also, make sure that your vendors have cyber insurance and that you're an additional insured on that vendor's policy if there's any potential exposure. [19:22] Hal says If you're using a cloud provider, do you understand what the cloud provider is doing? In most cases, they will provide better security than what you could do on your own, but there have been news stories that even some of those have not been perfect. [20:22] Hal talks about the importance of encryption. It's in the state statutes and regulations. There have been news stories of companies that didn't encrypt their data on their servers or in the cloud, and didn't understand encryption, when a data breach was revealed. [20:52] Hal places multi-factor authentication up with encryption in importance. There was a case brought against a company that did not have MFA, even though it said on its application on the cyber policy that the company used it. [21:13] Hal says these are standard, basic things that no company should be missing. If you don't know that your data is encrypted, get help fast to figure that out. [21:51] Hal has also seen news stories of major companies where the Chief Technology Officer has been sued individually, either by the SEC or others, for not doing it right. [22:07] Katherine mentions there are insurance implications. If you mistakenly state you're providing some sort of protection on your insurance application that you're not providing, the insurer can rescind your coverage, so you have no coverage in place at all. [22:23] Katherine says, These are technical safeguards, but we know the human factor is one of the greatest risks in cybersecurity. Having training for everyone who has access to your computer system, virtually everyone in your organization, is very important. [22:49] Have a test with questions like, Is this a spam email or a real email? There are some vendors who can do all this for you. Statistics show that the human element is one of the most significant problems in cybersecurity protection. [23:05] Justin says it's October, Cybersecurity Awareness Month in the U.S. Last week's guest, Gwenn Cujdik, the Incident Response and Cyber Services Lead for North America at AXA XL, said the number one cyber risk is human error, like clicking the phishing link.  [23:45] Justin brings up that when he was recently on vacation, he got an email on his personal email account, “from his CEO,” asking him to handle something for them. Justin texted somebody else at RIMS, asking if they got the same email, and they hadn't. [24:14] Justin sent the suspect email to the IT director to handle. You have to be vigilant. Don't let your guard down for a second. [24:48] Katherine has received fake emails, as well. [24:51] Hal says it has happened to so many people. Messages about gift cards or the vendor having a new bank account. Call the vendor that you know and ask what this is. [25:12] Hall continues. It's important to train employees in cybersecurity, making sure that they are using a VPN when they are outside of the office, or even a VPN that's specific to your company. [25:32] Hal saw in the news recently that innocent-looking PDF files can harbor lots of malware. If you're not expecting a PDF file from somebody, don't click on that, even if you know them. Get verification. Start a new thread with the person who sent it and ask if it is a legitimate PDF. [26:08] Justin says of cybercriminals that they are smart and their tactics evolve faster than legislation. How can organizations anticipate the next generation of threats? [26:34] Katherine says, You need to have an infrastructure in your organization that does that, or you need to go to an outside vendor. You need some sort of protection, internally or externally. [27:11] Katherine says she works with CFOs all the time. If an organization isn't large enough to have a risk manager, it's a natural fit for the CFO, who handles finances, to handle insurance. When it comes to cybersecurity, a CFO needs help. [27:46] The CFO should check the cyber policy to see what support services are already there and see if there are any that are preventative, vs. after a breach. If there are not, Katherine suggests pivoting to an outside vendor. [28:07] Hal continues, This interview is for RIMS members who are risk managers and the global risk community. Risk managers don't claim to know all the risk control measures throughout a company. They rely upon the experts in the company and outside. [28:29] If the CFO is the risk manager, he or she has big gaps in expertise needed for risk management. It's the same for the General Counsel running risk management. Risk managers are known for having small staffs and working with everybody else to get the right answers. [28:55] If you're dealing with the CFO or General Counsel in those roles, they need to be even more mindful to work with the right experts for guidance. [29:09] One Final Break! As many of you know, the RIMS ERM Conference 2025 will be held on November 17th and 18th in Seattle, Washington. We recently had ERM Conference Keynote Speaker Dan Chuparkoff on the show. [29:26] He is back, just to deliver a quick message about what you can expect from his keynote on “AI and the Future of Risk.” Dan, welcome back to RIMScast! [29:37] Dan says, Greetings, RIMS members and the global risk community! I'm Dan Chuparkoff, AI expert and the CEO of Reinvention Labs. I'm delighted to be your opening keynote on November 17th at the RIMS ERM Conference 2025 in Seattle, Washington. [29:52] Artificial Intelligence is fueling the next era of work, productivity, and innovation. There are challenges in navigating anything new. This is especially true for risk management, as enterprises adapt to shifting global policies, economic swings, and a new generation of talent. [30:10] We'll have a realistic discussion about the challenges of preparing for the future of AI. To learn more about my keynote, “AI and the Future of Risk Management,”  and how AI will impact Enterprise Risk Management for you, listen to my episode of RIMScast at RIMS.org/Dan. [30:29] Be sure to register for the RIMS ERM Conference 2025, in Seattle, Washington, on November 17th and 18th, by visiting the Events page on RIMS.org. I look forward to seeing you all there. [30:40] Justin thanks Dan and looks forward to seeing him again on November 17th and hearing all about the future of AI and risk management! [30:48] Let's Conclude Our Interview about Navigating Cyber and IT Practices to Legal Safe Harbors with Katherine Henry and Hal Weston! [31:17] Katherine tells about how Safe Harbor compliance influences cyber insurance. If your organization applies for cyber insurance and you can't meet some minimum threshold that will be identified on the application, the insurer will not even offer you cyber insurance. [31:34] You need to have some cyber protections in place. That's just to procure insurance. Cyber insurance availability is growing. Your broker can bring you more insurers to quote if you can show robust safeguards. [32:05] After the breach, your insurer is supposed to step in to help you. Your insurer will be mindful of whether or not your policy application is correct and that you have all these protections in place. [32:21] The more protections you have, the quicker you might be able to shut down the breach, and the resulting damage from the breach, and that will lower the resulting cost of the claim and have less of an impact on future premiums. [32:36] If the cyber insurer just had to pay out the limits because something wasn't in place, that quote next year is not going to look so pretty. Your protections have a direct impact on both the availability and cost of coverage. [32:50] Justin mentions that the paper highlights Connecticut, Tennessee, Iowa, Ohio, Utah, and Oregon as the states with Safe Harbor laws. The Federal requirements are also listed. Katherine expects that more states will offer Safe Harbor laws as cybercrime lawsuits increase. [33:42] Hal says Oregon, Ohio, and Utah were the leaders in creating Safe Harbors. Some of the other states have followed. Safe Harbor is a statutory protection against liability claims brought by the public. [34:06] In other states, you can't point to a statute that gives protection, but you can say you complied with the highest standards in the nation, and you probably have a pretty defensible case against a claim for not having kept up with your duty to protect against a cyber attack. [34:55] Hal adds that every company is going to be sued, and the claim is that you failed to do something. If you have protected yourself with all the known best practices, as they evolve, what more is a company supposed to do? [35:18] The adversaries are nation-states; they are professional criminals, sometimes operating under the protection of nation-states, and they're using artificial intelligence to craft even more devious ways to get in. [36:19] Katherine speaks from a historical perspective. A decade ago, cyber insurance was available, but there was no appetite for it. There wasn't an understanding of the risk. [36:32] As breaches began to happen and to multiply, in large amounts of exposure, with companies looking at millions of dollars in claims, interest grew. Katherine would be surprised today if any responsible board didn't take cyber risk extremely seriously. [36:55] The board's decision now is what limits to purchase and from whom, and not, “Should we have cyber insurance at all?” Katherine doesn't think it's an issue anymore in any medium-sized company. [37:17] The risk manager should present to the board, “We benchmark. Our broker benchmarks. Companies of our size have had this type of claim, with this type of exposure, and they've purchased this amount of limits. We need to be at least in that place.” Boards will be receptive. [37:43] If they are not receptive, put on a PowerPoint with all the data that's out there about how bad the situation is. The average cost of a breach is well over $2 million. The statistics are quite alarming. A wise decision-maker will understand that you need to procure this coverage. [38:10] Katherine says, from the cybersecurity side, you procure the coverage, you protect the company, and take advantage of the Safe Harbors. All of those things come together with the preventative measures we've been talking about. [38:24] You can show your decision-makers and stakeholders that if you do all those things, comply with these Safe Harbor provisions, you're going to minimize your exposure, increase the availability of insurance, and keep your premiums down. It's a win-win package. [38:41] Justin says, It has been such a pleasure to meet you, Hal, and thank you for joining us. Katherine, it is an annual pleasure to see you. We're going to see you, most likely, at the RIM Legislative Summit, March 18th and 19th, 2026, in Washington, D.C. [39:01] Details to come, at RIMS.org/Advocacy. Katherine, you'll be there to answer questions. Katherine looks forward to the Summit. She has gone there for years. It's a great opportunity for risk managers to speak directly to decision-makers about things that are important to them. [39:42] Special thanks again to Katherine Henry and Hal Weston for joining us here today on RIMScast! Remember to download the new RIMS Legislative Review, “A 2025 Cybersecurity Legal Safe Harbor Overview”. [39:58] We are past the 30-day mark now, so the review is publicly available through the Risk Knowledge Page of RIMS.org. You can also visit RIMS.org/Advocacy for more information. In this episode's notes, I've got links to Katherine's prior RIMScast appearances. [40:18] Plug Time! You can sponsor a RIMScast episode for this, our weekly show, or a dedicated episode. Links to sponsored episodes are in the show notes. [40:47] RIMScast has a global audience of risk and insurance professionals, legal professionals, students, business leaders, C-Suite executives, and more. Let's collaborate and help you reach them! Contact pd@rims.org for more information. [41:05] 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. [41:22] 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. [41:39] 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. [41:53] 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. [42:05] Practice good risk management, stay safe, and thank you again for your continuous support!   Links: RIMS Professional Report: “A 2025 Cybersecurity Legal Safe Harbor Overview” RISK PAC | RIMS Advocacy | RIMS Legislative Summit SAVE THE DATE — March 18‒19, 2026 RIMS ERM Conference 2025 — Nov. 17‒18 RISKWORLD 2026 — Members-only early registration through Oct 30! RIMS-Certified Risk Management Professional (RIMS-CRMP) The Strategic and Enterprise Risk Center RIMS Diversity Equity Inclusion Council RIMS Risk Management magazine | Contribute RIMS Now Cybersecurity Awareness Month World Standards Day — Oct 14, 2025 Upcoming RIMS Webinars: RIMS.org/Webinars “Jury Dynamics: How Juries Shape Today's Legal Landscape” | Oct. 16, 2025 | Sponsored by Zurich “Parametric Insurance: Providing Financial Certainty in Uncertain Times” | Oct. 30, 2025 | Sponsored by Swiss Re “Geopolitical Whiplash — Building Resilient Global Risk Programs in an Unstable World” | Nov. 6 | Sponsored by Hub   Upcoming RIMS-CRMP Prep Virtual Workshops: RIMS-CRMP Virtual Exam Prep — Oct. 29‒30, 2025 RIMS-CRMP-FED Exam Prep Virtual Workshop — November 11‒12 Full RIMS-CRMP Prep Course Schedule “Risk Appetite Management” | Oct 22‒23 | Instructor: Ken Baker “Intro to ERM for Senior Leaders” | Nov. 4‒5 | Instructor: Elise Farnham “Fundamentals of Insurance” | Nov. 11‒12 | Instructor: Chris Hansen “Leveraging Data and Analytics for Continuous Risk Management (Part I)” | Dec 4. See the full calendar of RIMS Virtual Workshops RIMS-CRMP Prep Workshops   Related RIMScast Episodes about Cyber and with Katherine Henry: “National Cybersecurity Awareness Month 2025 with Gwenn Cujdik” “AI Risks and Compliance with Chris Maguire” “Data Privacy and Protection with CISA Chief Privacy Officer James Burd” “Cyberrisk Trends in 2025 with Tod Eberle of Shadowserver” “Legal and Risk Trends with Kathrine Henry (2023)”   Sponsored RIMScast Episodes: “The New Reality of Risk Engineering: From Code Compliance to Resilience” | Sponsored by AXA XL (New!) “Change Management: AI's Role in Loss Control and Property Insurance” | Sponsored by Global Risk Consultants, a TÜV SÜD Company Demystifying Multinational Fronting Insurance Programs | Sponsored by Zurich “Understanding Third-Party Litigation Funding” | Sponsored by Zurich “What Risk Managers Can Learn From School Shootings” | Sponsored by Merrill Herzog “Simplifying the Challenges of OSHA Recordkeeping” | Sponsored by Medcor “Risk Management in a Changing World: A Deep Dive into AXA's 2024 Future Risks Report” | Sponsored by AXA XL “How Insurance Builds Resilience Against An Active Assailant Attack” | Sponsored by Merrill Herzog “Third-Party and Cyber Risk Management Tips” | Sponsored by Alliant “RMIS Innovation with Archer” | Sponsored by Archer “Navigating Commercial Property Risks with Captives” | Sponsored by Zurich “Breaking Down Silos: AXA XL's New Approach to Casualty Insurance” | Sponsored by AXA XL “Weathering Today's Property Claims Management Challenges” | Sponsored by AXA XL “Storm Prep 2024: The Growing Impact of Convective Storms and Hail” | Sponsored by Global Risk Consultants, a TÜV SÜD Company “Partnering Against Cyberrisk” | Sponsored by AXA XL “Harnessing the Power of Data and Analytics for Effective Risk Management” | Sponsored by Marsh “Accident Prevention — The Winning Formula For Construction and Insurance” | Sponsored by Otoos “Platinum Protection: Underwriting and Risk Engineering's Role in Protecting Commercial Properties” | Sponsored by AXA XL “Elevating RMIS — The Archer Way” | Sponsored by Archer   RIMS Publications, Content, and Links: RIMS Membership — Whether you are a new member or need to transition, be a part of the global risk management community! RIMS Virtual Workshops On-Demand Webinars RIMS-Certified Risk Management Professional (RIMS-CRMP) RISK PAC | RIMS Advocacy RIMS Strategic & Enterprise Risk Center RIMS-CRMP Stories — Featuring RIMS President Kristen Peed!   RIMS Events, Education, and Services: RIMS Risk Maturity Model®   Sponsor RIMScast: Contact sales@rims.org or pd@rims.org for more information.   Want to Learn More? Keep up with the podcast on RIMS.org, and listen on Spotify and Apple Podcasts.   Have a question or suggestion? Email: Content@rims.org.   Join the Conversation! Follow @RIMSorg on Facebook, Twitter, and LinkedIn.   About our guests: Katherine Henry, Partner and Chair of the Policyholder Coverage Practice, Bradley, Arant, Boult, and Cummings   Harold Weston, Clinical Associate Professor and WSIA Distinguished Chair in Risk Management and Insurance, Georgia State University College of Law Production and engineering provided by Podfly.  

State laws designed to treat people who are trafficked as victims instead of criminals aren't working as planned. A new report shows what's happening instead.

In the 34th episode of the League Podcast, Benoy Thanjan and David Magid break down the most important trends shaping the renewable energy market today. In just five minutes, we cover the biggest opportunities and risks facing developers, investors, and innovators in solar, storage, and beyond.   Key Takeaways Data Centers Driving Demand – Over 9.4 GW of interconnection applications in New Jersey's PSEG market in the last 12 months, led by data centers and advanced manufacturing. Community Solar Boom – New Jersey targets 3 GW by 2029, opening opportunities for rooftop developers; Illinois, Maryland, and New York projects can now pencil without the ITC if interconnection and lease terms align. Hybrid Power Solutions – A 944 MW behind-the-meter natural gas + battery storage plant in Pennsylvania highlights the shift toward hybrid generation and reliability models. Solar + Storage vs. Gas – New Jefferies analysis shows solar + storage is now cheaper than natural gas on a levelized cost basis. Safe Harbor Updates – New rules replace the 5% test with “beginning of construction” standards for projects above 1.5 MW AC, requiring four-year continuity and physical work tests. Capacity Growth Outlook – EIA forecasts 64 GW of solar and 18 GW of storage additions in 2025, making solar nearly half of all new U.S. capacity.   Why It Matters David highlights how developers can prepare for interconnection competition, leverage new community solar programs, and navigate shifting tax credit rules. I share insights on the new safe harboring provisions and what they mean for financing and project timelines. Together, we paint a picture of a rapidly scaling clean energy sector where solar is poised to supply 50–60% of U.S. electricity within two decades.   Host Bio: David Magid David Magid is a seasoned renewable energy executive with deep expertise in solar development, financing, and operations. He has worked across the clean energy value chain, leading teams that deliver distributed generation and community solar projects. David is widely recognized for his strategic insights on interconnection, market economics, and policy trends shaping the U.S. solar industry. Connect with David on LinkedIn: https://www.linkedin.com/in/davidmagid/   Host Bio: Benoy Thanjan Benoy Thanjan is the Founder and CEO of Reneu Energy, solar developer and consulting firm, and a strategic advisor to multiple cleantech startups. Over his career, Benoy has developed over 100 MWs of solar projects across the U.S., helped launch the first residential solar tax equity funds at Tesla, and brokered $45 million in Renewable Energy Credits (“REC”) transactions.   Prior to founding Reneu Energy, Benoy was the Environmental Commodities Trader in Tesla's Project Finance Group, where he managed one of the largest environmental commodities portfolios. He originated REC trades and co-developed a monetization and hedging strategy with senior leadership to enter the East Coast market.   As Vice President at Vanguard Energy Partners, Benoy crafted project finance solutions for commercial-scale solar portfolios. His role at Ridgewood Renewable Power, a private equity fund with 125 MWs of U.S. renewable assets, involved evaluating investment opportunities and maximizing returns. He also played a key role in the sale of the firm's renewable portfolio.   Earlier in his career, Benoy worked in Energy Structured Finance at Deloitte & Touche and Financial Advisory Services at Ernst & Young, following an internship on the trading floor at D.E. Shaw & Co., a multi billion dollar hedge fund. Benoy holds an MBA in Finance from Rutgers University and a BS in Finance and Economics from NYU Stern, where he was an Alumni Scholar.   Connect with Benoy on LinkedIn: https://www.linkedin.com/in/benoythanjan/ Learn more: https://reneuenergy.com   Action Items for Developers & Investors Move quickly to secure rooftop leases under NJ's 3 GW community solar target. Explore Illinois, Maryland, and New York for non-ITC community solar opportunities. Consult legal experts on safe harbor compliance. Track solar + storage cost trends versus gas for future investment decisions. If you enjoyed this episode, please subscribe, share, and leave us a 5-star rating — it helps us bring you more cutting-edge clean energy insights.

Questions? Thoughts? Send a Text to The Optometry Money Podcast!Episode Summary: As your practice grows and profits increase, one of the most powerful tax and retirement planning tools available to optometry practice owners is profit sharing within your 401(k) plan. But what exactly is profit sharing, and how can you optimize it for both you and your employees?In this episode, Evon welcomes back Matt Ruttenberg of Life Inc. Retirement Services to break down everything optometrists need to know about profit sharing contributions. They discuss how profit sharing works, the different methods of calculating contributions, and how practice owners can use this strategy to maximize retirement savings while managing taxes.Whether you're new to 401(k) plans or you're ready to level up your retirement savings strategy, this conversation will give you clarity on how to align your plan design with your goals.What You'll Learn in This Episode:What profit sharing in a 401(k) plan actually is and why it matters for practice ownersThe “three-tier wedding cake” framework of retirement plan contributionsDifferent methods of profit sharing:Pro Rata (the simple but costly method)New Comparability (targeted, strategic contributions that benefit owners most)How factors like employee demographics, age, and owner wages impact profit sharing efficiencyWhy your Safe Harbor match choice (match vs. non-elective) matters when layering on profit sharingHow profit sharing integrates with cash balance plans to supercharge retirement savingsKey deadlines practice owners need to keep in mind before year-endResources & Links:Learn more about Matt Ruttenberg and his team: 401k.expertThe Optometry Money Podcast Ep 111: 2024 Mid-Year Retirement Plan Updates and Deadlines Practice Owners Need to Know with Matt RuttenbergThe Optometry Money Podcast Ep 64: How to Invest Six Digits A Year Into Your Practice Retirement Plans with Matt RuttenbergThe Optometry Money Podcast Ep 63: Choosing A Retirement Plan for Your Optometry Practice with Matt RuttenbergWork With Us: Thinking about working with a financial planning firm that specializes in optometry? At Optometry Wealth Advisors, we help ODs nationwide align their practice and personal finances for growth, tax efficiency, and long-term wealth.

This podcast series is aimed at educating healthcare services and insurance companies about HIPAA compliance in the context of development and test data. Each episode focuses on key aspects of compliance, addressing technical, legal, and ethical challenges.

This week on TV Gold, mystery dramas set in London, Rotterdam and Philadelphia. Your hosts Andrew Mercado and James Manning review:The Girlfriend (Prime, 6 episodes)Task (HBO Max, 7 episodes)Safe Harbor (SBS On Demand, 8 episodes) • The Girlfriend (Prime, 6 episodes)Based on Michelle Frances' novel of the same name, The Girlfriend follows Laura (Robin Wright), a woman who seemingly has it all: a glittering career, a loving husband, and her precious son, Daniel. Her perfect life begins to unravel when Daniel brings home Cherry (Olivia Cooke), a girlfriend who changes everything. After a tense introduction, Laura becomes convinced Cherry is hiding something. Is she a manipulative social climber, or is Laura just paranoid? The truth is a matter of perspective. Andrew called this “trash” and James objected! • Task (HBO Max, 7 episodes)Set in the working class suburbs of Philadelphia, an FBI agent (Mark Ruffalo) heads a Task Force to put an end to a string of violent robberies led by an unsuspecting family man (Tom Pelphrey). From the creator of Mare of Easton, Brad Ingelsby. • Safe Harbor (SBS On Demand, 8 episodes)Starring Jack Gleeson (Joffrey Baratheon in Game of Thrones), Charlie Murphy (Happy Valley), Alfie Allen (Theon Greyjoy in Game of Thrones) and Martijn Lakemeier, the crime drama is based around an Irish mob that are looking to make the most of Rotterdam’s drug-trafficking friendly port.See omnystudio.com/listener for privacy information.

Episode Summary: In this episode, host Benoy Thanjan sits down with Dorian Hunt, Partner and Head of Renewables at Leo Berwick, to unpack the new safe harbor rules, the impacts of the Big Beautiful Bill, and what's coming next in tax and policy guidance for renewable energy. Dorian also dives into repowering projects, economic obsolescence, co-location strategies, bonus depreciation, and solar industry trends.  Dorian offers practical advice for developers and investors navigating today's fast-changing environment. Biographies Benoy Thanjan Benoy Thanjan is the Founder and CEO of Reneu Energy, solar developer and consulting firm, and a strategic advisor to multiple cleantech startups. Over his career, Benoy has developed over 100 MW of solar projects across the U.S., helped launch the first residential solar tax equity funds at Tesla, and brokered $45 million in Renewable Energy Credits (“REC”) transactions. Prior to founding Reneu Energy, Benoy was the Environmental Commodities Trader in Tesla's Project Finance Group, where he managed one of the largest environmental commodities portfolios. He originated REC trades and co-developed a monetization and hedging strategy with senior leadership to enter the East Coast market. As Vice President at Vanguard Energy Partners, Benoy crafted project finance solutions for commercial-scale solar portfolios. His role at Ridgewood Renewable Power, a private equity fund with 125 MW of U.S. renewable assets, involved evaluating investment opportunities and maximizing returns. He also played a key role in the sale of the firm's renewable portfolio. Earlier in his career, Benoy worked in Energy Structured Finance at Deloitte & Touche and Financial Advisory Services at Ernst & Young, following an internship on the trading floor at D.E. Shaw & Co., a multi billion dollar hedge fund. Benoy holds an MBA in Finance from Rutgers University and a BS in Finance and Economics from NYU Stern, where he was an Alumni Scholar. Dorain Hunt Dorian leads Leo Berwick's Energy & Renewables tax practice.  Dorian has 20 years of experience in tax credit monetization, with clients including renewable energy project developers, tax equity investors, project lenders, insurers and syndicators. Prior to joining Leo Berwick, he was a leader in the Power and Utilities and Energy Transition practices of a Big 4 firm, where he focused on providing tax consulting services with respect to tax credit-driven project finance across, with a focus on renewable energy. Dorian is a thought leader in the tax credit space and has authored articles on topics including the potential implications for “direct pay” of renewable energy tax incentives and on the impact of the Tax Cuts and Jobs Act on the US renewable energy industry.  He has also presented on these and other similar topics for organizations such as IPED, NARUC, and the Boston Bar Association. Dorian has experience with myriad energy incentive programs including Treasury 1603 grants, 48C advanced energy manufacturing studies, and the rapidly-developing field of 45Q carbon capture credits.   Stay Connected: Benoy Thanjan Email: info@reneuenergy.com  LinkedIn: Benoy Thanjan Website: https://www.reneuenergy.com   Dorian Hunt  Linkedin:  https://www.linkedin.com/in/dorian-hunt/ Website:  https://www.leoberwick.com/ Newsletter:  https://www.linkedin.com/newsletters/energy-transition-insider-7197296760090750976/

A Labor Day meet-cute on Nantucket develops into a dreamy whirlwind romance, and then, just as quickly, a nightmare.McDonald, Brian. Safe Harbor. Macmillan, 2007.“23 Knife Wounds in Nantucket Murder.” ABC News, 12 June 2007, https://abcnews.go.com/TheLaw/story?id=3269194&page=1.Dateline NBC. 1992.“Elizabeth Anne ‘Beth' Lochtefeld (1960-2004) - Find a Grave Memorial.” Find a Grave - Millions of Cemetery Records, https://www.findagrave.com/memorial/157732306/elizabeth_anne-lochtefeld. Accessed 28 July 2025.“Murder in Nantucket.” NBC News, 1 Jan. 2005, https://www.nbcnews.com/id/wbna6769786.“Nantucket Current | Toolan Murder Conviction Upheld By State Supreme….” Nantucket Current, https://nantucketcurrent.com/news/toolan-murder-conviction-upheld-by-supreme-judicial-court. Accessed 28 July 2025.Boston Globe, 21 June 2013.Daily Hampshire Gazette, 24 Aug. 2011.This Week's Episode Brought to You By:Superpower - Go to Superpower.com and use code Lovemurder to get $50 Off your annual Superpower subscription. Live up to your 100-Year potential.Shopify - $1 per month trial - http://shopify.com/lovemurderCure - 20% off your first order - https://www.curehydration.com/lovemurderSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

We're shining a spotlight on Carlos Johnson, founder of Safe Harbor, an organization committed to creating safety, stability, and opportunity for individuals and families in need. Safe Harbor isn't just a business—it's a movement to protect, empower, and provide resources that help people rebuild their lives and thrive. In this conversation, Carlos opens up about the story behind Safe Harbor, the challenges of building a mission-driven business, and the impact his work has on the community. He shares lessons on leadership, resilience, and service, offering inspiration for entrepreneurs, changemakers, and anyone seeking to combine passion with purpose. ✨ Whether you're interested in community impact, entrepreneurship, or the power of business as a force for good, this episode will leave you with insights and motivation to take action in your own journey.

In this episode of the Clean Power Hour, Tim Montague and John Weaver unpack the latest developments shaping the clean energy landscape. From federal treasury guidance on safe harbor rules to Africa's record solar imports, Indonesia's massive microgrid project, EV tax credit updates, prefab solar carports, and lessons learned from hurricane-tested solar arrays, the conversation explores how solar, wind, and storage are transforming global energy markets.Episode Highlights New federal treasury guidance on safe harbor shifts rules for large-scale projects, moving from a 5% spend requirement to continuous construction (PV Magazine).Installers must diversify, with batteries, EV infrastructure, and heat pumps becoming essential parts of the business model.EV buyers can lock in the $7,500 tax credit through 2026 with a down payment and contract today (IRS).Africa set a record with 1.6 GW of Chinese solar panel imports in May 2024, with countries like Chad leapfrogging traditional infrastructure (Wired Magazine).Indonesia is launching one of the world's largest distributed energy projects, targeting 80,000 villages with 1 MW solar and 4 MWh battery microgrids. (PV Magazine)A 250 kW prefab solar carport was installed overnight in Australia, demonstrating 3x faster productivity than traditional methods (PV Magazine Australia)US developers report that nearly half of new electric generating capacity this year comes from solar, with record installations nearing 70 GW (US EIA).Hurricane-tested solar arrays show that through-bolting and stronger module frames are key to survival in high-wind regions (PV Magazine, RMI report). Support the showConnect with Tim Clean Power Hour Clean Power Hour on YouTubeTim on TwitterTim on LinkedIn Email tim@cleanpowerhour.com Review Clean Power Hour on Apple PodcastsThe Clean Power Hour is produced by the Clean Power Consulting Group and created by Tim Montague. Contact us by email: CleanPowerHour@gmail.com Corporate sponsors who share our mission to speed the energy transition are invited to check out https://www.cleanpowerhour.com/support/The Clean Power Hour is brought to you by CPS America, maker of North America's number one 3-phase string inverter, with over 6GW shipped in the US. With a focus on commercial and utility-scale solar and energy storage, the company partners with customers to provide unparalleled performance and service. The CPS America product lineup includes 3-phase string inverters from 25kW to 275kW, exceptional data communication and controls, and energy storage solutions designed for seamless integration with CPS America systems. Learn more at www.chintpowersystems.com

In this episode, we bring back one of our favorite guests – and we're not just saying that because he's our boss. On his last visit you got to learn the history and career path that made Sheriff Bob Gualtieri the sheriff he is today. Now we talk more about some of the issues that are near and dear to the hearts of Pinellas County residents, and issues that have far-reaching implications across our country. When Sheriff Gualtieri sees a problem, he fixes it. That's why we have innovative, first of their kind programs like Safe Harbor, which diverts homeless people from jail to a safe shelter, or diversion programs to give young people or first-time minor offenders a second chance. He created the HOME Task Force to monitor the worst young offenders, and made a robust Threat Management Unit to identify problems at their earliest stage and nip them in the bud. You know that school safety is his top priority, and in addition to prevention, rapid response, and thorough investigation, he has added an innovative and much-needed component: family reunification. Find out why major crimes in Pinellas County are at historically low levels, how he'll keep you safer during the next hurricane, and why he's a hard man to categorize.Email us your questions and suggestions at lets56@pcsonet.comFollow PCSO: Facebook | Instagram | Twitter | YouTubeFollow 56: InstagramPCSO Website

In this episode of Yachting USA, host Rick Thomas is joined by Cristina Pierson, a trial attorney at Kelley/Uustal, to discuss a potential class action lawsuit against Safe Harbor Marinas. The episode covers the expansion of Safe Harbor Marinas and their market practices, delving into concerns surrounding market consolidation within the yachting industry. Cristina provides an overview of the lawsuit, exploring how it could affect yachting professionals and enthusiasts alike. The conversation addresses issues such as unexpected surcharges and deceptive business practices faced by vessel owners, and how class action lawsuits serve as powerful tools for consumer protection and industry-wide reform. TOPICS COVERED: - The role of Safe Harbor Marinas and their market impact - Deceptive practices and unexpected surcharges in the industry - How class action lawsuits protect consumers - The legal framework of class action lawsuits - Understanding consumer rights within the maritime industry - Legal theories behind the Safe Harbor case - Implications for market consolidation in yachting - How the case could bring about legal changes in the industry GUEST: Cristina Pierson Trial Attorney, Kelley/Uustal LinkedIn: https://www.linkedin.com/in/cristina-pierson-4679a041/ Website: kelleyuustal.com HOST: Rick Thomas Email: rick@rt-yd.com LinkedIn: https://www.linkedin.com/in/rick-thomas-51909821/ Subscribe for more expert interviews from inside the yachting industry. Also available on all major podcast platforms – search "Yachting Channel" #SafeHarborMarinas #ClassActionLawsuit #YachtingIndustry #ConsumerProtection #LegalReform #MaritimeLaw #YachtingUSA #MarketConsolidation #ConsumerRights #YachtOwnerIssues

Send us a textRetirement expert Matt Ruttenberg walks through 5 real-world business scenarios and how to choose the smartest retirement plan for each. Whether you're flying solo or managing a growing team, this episode breaks down IRA, SEP, SIMPLE, 401(k), and advanced options in a simple way… Plus, how to take advantage of powerful tax credits.

Is This The Reality Check We All Needed?Layoffs. Shrinking margins. Policy gut punched. If you've been wondering how the solar industry will make it through this, hang tight - I've got a 20+ yr veteran who's seen enough dips & turns on the SolarCoaster to provide ample insight.Barry Cinnamon returns to SunCast for a brutally honest conversation with Nico Johnson about what's unraveling in the solar and storage space—and what smart companies are doing to stay ahead.From Capitol Hill chaos to customer acquisition woes, this conversation covers the unfiltered landscape of 2025's solar rollercoaster. If you're feeling the pressure to pivot, cut back, or just survive, you're not alone.Expect to learn:

Running To Safe Harbor When Storms of Life Come (winning the down days of dementia _ alzheimer's or just life in general) #safe #safeharbor #winning #dementia #alzheimers #storms #jesus #aimingforjesus #hollismcgehee Thank you for listening, our heart's prayer is for you and I to walk daily with Jesus, our joy and peace aimingforjesus.com YouTube Channel https://www.youtube.com/@aimingforjesus5346 Instagram https://www.instagram.com/aiming_for_jesus/ Threads https://www.threads.com/@aiming_for_jesus X https://x.com/AimingForJesus Tik Tok https://www.tiktok.com/@aiming.for.jesus

Congress is cancelling over $1 billion in pre-approved funding for public broadcasting. The funding cuts threaten local news and educational programming across Pennsylvania. Workers who rely on tips are being advised to pay attention to their taxes this year. A "no tax on tips" provision is part of the federal tax cut and spending bill recently signed into law. Workers who get voluntary tips - not service fees - may benefit from claiming both cash and credit card gratuities on their taxes. Under current law drivers in Pennsylvania are only required to display one license plate, on the rear of their vehicle. But a state lawmaker will soon introduce legislation to change that. The owner of Lancaster County hydro-electric plants at Holtwood and Safe Harbor has agreed to sell Google massive amounts of electricity generated by the Susquehanna River dams to power some Google data centers. The 20-year, $3 billion agreement is between Google and Canadian owners Brookfield Asset Management. Lancaster and Lebanon Counties are in talks for a long-term solution for hazmat services. Much is still unknown about the restoration efforts at the Governor's Residence in Harrisburg, following an April arson attack that severely damaged part of the Front Street mansion. We explore what we know—and don’t know. Support WITF: https://www.witf.org/support/give-now/See omnystudio.com/listener for privacy information.

What do you do when your life changes in an instant?When Donna Kendrick lost her husband to suicide, she was left standing at a painful crossroads – three young kids, a new house, and a future she could no longer picture. But by the light of a backyard bonfire, she made a vow: this would not be the end of her story.In this honest and deeply human conversation, Donna shares how she navigated grief, rebuilt her life, and created a purpose-filled path for her family. Through heartbreak, she discovered strength she didn't know she had – and now, she's helping others do the same.You'll hear how she:Told her children the truth with compassion and created space for real griefRebuilt a career that now helps widows and families through financial transitionFound love again and blended two families into one sarcastic, supportive householdListen to Donna's full story and the moment she chose to keep going – with grit, purpose, and heart.Donna Kendrick is a CERTIFIED FINANCIAL PLANNER™ practitioner and founder of Sephton Financial. After losing her first husband suddenly in 2013, Donna navigated widowhood with three young children, inspiring her to support families in transition through financial planning. She is the host of the Wisdom and Wealth Podcast and author of A Guide to Widowhood and A Guide for Blended Families. Donna is also an avid long-distance runner who, through her running group, raises funds for causes such as Safe Harbor, a grief counseling program for children. She lives in Jenkintown, PA, with her husband Jim and their six children.✨ Don't leave your loved ones without answers. Get instant access to a complimentary personal document locator and on-demand webinar at sephtonfinancial.com/webinarResourcesTo listen in on more conversations about pivotal moments that changed lives forever, subscribe to The Life Shift on Apple Podcasts or wherever you listen to podcasts. If you enjoyed this episode, please take a moment to rate the show 5 stars and leave a review! ⭐️⭐️⭐️⭐️⭐️Access ad-free episodes released two days early: https://patreon.com/thelifeshiftpodcastSubscribe to The Life Shift Newsletter: https://www.thelifeshiftpodcast.com/newsletter/The Life Shift was just named one of the top 60 life-changing podcasts by FeedSpot: https://podcast.feedspot.com/life_changing_podcasts/Connect with me: Instagram: @thelifeshiftpodcast Facebook: The Life Shift Podcast YouTube: Watch on YouTube Twitter: @thelifeshiftpod LinkedIn: The Life Shift on LinkedIn Website: www.thelifeshiftpodcast.comSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Sarah Raaii and Rachel Stauffer join Julia Grabo to discuss a key virtual care provision from the recently passed One Big Beautiful Bill Act, including its impact on patients, employers, and the state of virtual care policy at large.

A place and a process--giving voice, hope and healing to abused children.  Elizabeth McNally talks about the importance of forensic nurses in their work.  Safe Harbor has applied for a grant to teach the community how to spot and report abuse.  safeharborva.org

Join Kim Sweers, The Boat Boss, and Rick Thomas for this end-of-June roundup in the world of yachting. In this episode of Yachting Unplugged, the duo reflects on Father's Day, shares personal stories of resilience and gratitude, and celebrates the Florida Panthers' Stanley Cup win. They also dive deep into the biggest headlines shaking the boating world—from Safe Harbor's legal troubles and Sunseeker's corporate restructure to the future of electric boating with Vision Marine Technologies. Whether it's new tech, charter tax changes in the Bahamas, or key safety reminders for summer, Kim and Rick have it covered. This week's talking points making waves:

Tensions run high as Nuck sets a daunting tone with the mob; Tiff opens up to Kiesha about her conflicting feelings; Bakari bumps heads with Alicia; Pastor Zeke is approached with an ungodly proposal; Detective Toussaint begins her hunt.

David McKnight looks at why many people wait until the fourth quarter to do a Roth conversion, the potential penalties, and what can be done to avoid having to pay underpayment penalties to the IRS. David begins the episode by highlighting the fact that a lot of investors wait until Q4 before they do a Roth conversion – and they prefer to pay taxes on it in cash instead of simply having the taxes withheld by the IRS. From a mathematical standpoint, it's the correct thing to do because it allows you to get 100% of the converted dollars into your tax-free account. However, if you didn't pay quarterly taxes on that income evenly throughout the year, the IRS can charge you an underpayment penalty! The IRS' safe harbor rules can spare you from any underpayment penalty for a Q4 Roth conversion, if certain requirements are met… David goes over two scenarios in which you wouldn't have to pay an  underpayment penalty, as well as when, and why, you may need to file Form 2210 A1. Make sure to familiarize yourself with Form 2210 A1 because, as David puts it, it will “become your best friend if you're hoping to avoid underpayment penalties on a fourth quarter Roth conversion.”     Mentioned in this episode: David's national bestselling book: The Guru Gap: How America's Financial Gurus Are Leading You Astray, and How to Get Back on Track DavidMcKnight.com DavidMcKnightBooks.com PowerOfZero.com (free video series) @mcknightandco on Twitter  @davidcmcknight on Instagram David McKnight on YouTube Get David's Tax-free Tool Kit at taxfreetoolkit.com Form 2210

Send us a textIt's been a while since we last talked about cross-border data transfers, but that does not mean that all issues have resolved themselves. And while the focus may still largely be on the EU-US relations for data transfers, the core developments actually relate to the Global Cross-Border Privacy Rules. Therefore, on this week of Serious Privacy, Paul Breitbarth, Ralph O'Brien of Reinbo Consulting, and Dr. K Royal connect with Noël Luke, chief assurance officer at TrustArc. She joined TrustArc in 2015 and is responsible for overseeing and enhancing TrustArc's robust assurance programs, which include certifications under the Global and APEC cross-border privacy rules, as well as verifications under the respective Data Privacy Frameworks between the US and the EU, UK and Switzerland. If you have comments or questions, find us on LinkedIn and Instagram @seriousprivacy, and on BlueSky under @seriousprivacy.eu, @europaulb.seriousprivacy.eu, @heartofprivacy.bsky.app and @igrobrien.seriousprivacy.eu, and email podcast@seriousprivacy.eu. Rate and Review us! From Season 6, our episodes are edited by Fey O'Brien. Our intro and exit music is Channel Intro 24 by Sascha Ende, licensed under CC BY 4.0. with the voiceover by Tim Foley.

Konfidence in the Klutch's Deezus discusses The Chi's "Safe Harbor".  Don D shares his takeaways about season seven, episode three (705), from the opening to the final scene and the following season's predictions. Don P's love of “The Chi” allows him to break down the episode in a way only he can. This podcast was recorded at 6:30 p.m. CT on Friday, June 13th, 2025. What we know so far (2:00) Takeaways to know about Ep. 705 (3:30) Following episode predictions (26:20) Host: Donald Nelson Producer/Engineer: Donald Nelson Music by: Konfidence in the Klutch Productions Subscribe, Stream, or Download:

In this episode, I discuss how underpayment penalties can sneak up on you. Many of our clients come to us unaware of these penalties, thinking that their W-2 withholdings or year-end tax payments are enough. But there's much more to it...---------✅ Financial planning for 30-50 year old entrepreneurs: ⁠https://www.allstreetwealth.com⁠⁠⁠✅ My personal blog & newsletter: ⁠https://www.thomaskopelman.com⁠⁠⁠Disclaimer: None of this should be seen as financial advice. It is just for informational purposes.

Terry Mendez, the new CEO of Safe Harbor Financial, the newly appointed CEO of Safe Harbor Financial, emphasizing their experience in the cannabis industry and business transformation . We discussed Safe Harbor's success in processing over $25 billion in cannabis-related funds, their strategies for navigating industry challenges (including regulatory hurdles and taxation), and their vision for expanding into a multifaceted fintech company offering various services beyond banking.  Mendez highlighted several new initiatives, such as debt restructuring, new programs (employee banking, Safe Harbor Connects), and the development of a lending platform,  while emphasizing the company's NASDAQ listing and data-driven approach to addressing industry pain points. Advertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Henrico officials upset after excess fluoride added to water at Richmond's treatment facility; Wittman constituents hold town hall without him; Wilder Middle School holds ceremony to unveil new portrait of school's namesake; Day 2 of Henrico Restaurant is today, to benefit Safe Harbor shelter; Henrico man dies after apparent robbery attempt.Support the show

What happens when life throws you a curveball—loss, divorce, or the blending of families—and suddenly your finances feel just as uncertain as your emotions?On Wisdom and Wealth, financial expert and widow-turned-warrior Donna Kendrick guides you through the real-life challenges of navigating money during major life transitions. Whether you're reeling from grief, building a new family, or trying to regain your financial footing, Donna brings the knowledge and empathy you need to move forward with confidence. Each episode delivers honest conversations, actionable advice, and a compassionate roadmap to help you make wise decisions during unsteady times. With guests from the worlds of finance, mental health, and personal transformation, this show is your go-to resource for finding clarity, strength, and yes—even peace—in the middle of life's messiest seasons. Because when everything changes, your financial future doesn't have to fall apart. Donna Kendrick, CFP®, is a financial advisor, author, speaker, and podcast host who turned personal tragedy into purpose. After the sudden loss of her husband in 2013, Donna found herself a widow with three young children—and a thousand unanswered questions. She rebuilt her life step by step and discovered how crucial financial clarity was during times of transition. Determined to help others facing similar upheavals, Donna became a CERTIFIED FINANCIAL PLANNERTM and founded Sephton Financial, a firm dedicated to supporting families in transition, including widows, divorcees, and blended families. Her firm has received the OSJ award for annual growth in 2022 and 2023, a testament to her impact and leadership. Donna is the author of two powerful guides: the #1 Amazon Best Seller A Guide to Widowhood: Navigating the First Three Years and the upcoming A Guide for Blended Families: Merging Assets and Navigating Financial Challenges (October 2024). She also hosts the Wisdom and Wealth Podcast, where she brings heart, honesty, and practical insight to those navigating life-altering change. A passionate long-distance runner, Donna channels her energy into fundraising for causes like Safe Harbor, a grief counseling organization for children. In 2022, she remarried and now embraces life in Jenkintown, PA, with her husband Jim, their six kids, and a small zoo's worth of beloved pets.Websites: sephtonfinancial.com & DonnaJeanKendrick.com Facebook: @DonnaJeanKendrickPodcast: Wisdom and WealthEmail: donna@sephtonfinancial.comTelephone Numbers: 215-948-3945 or 484-895-8629Instagram: @DonnaJeanKendrickYouTube: @DonnaJeanKendrickTikTok: @DonnaJeanKendrickBecome a supporter of this podcast: https://www.spreaker.com/podcast/i-am-refocused-radio--2671113/support.

It's a full-on Q&A Friday as Don tackles listener questions on account consolidation, fund choices, proper bond allocation, and portfolio construction. From dissecting the merits of AVGE vs. DFAW vs. VT+AVUV, to helping federal employees estimate how much to save, and even clearing up confusion about average returns—this episode is a masterclass in real-world investing for every phase of life. Whether you're building your portfolio, nearing retirement, or just trying to clean up a financial mishmash, there's clarity here. Oh, and snark-free math explanations, too. 1:36 First caller: Accumulation phase advice—Fidelity vs. AVGE vs. Vanguard 3:15 Follow-up: Retirement accounts, target date funds, and cleaning up a messy portfolio 5:06 Safe Harbor 401k rules explained 5:53 Deep dive into 401k fund options—why some funds may not be ideal 7:43 Old TSP account—combine or leave it? 9:34 Caller: How to start adding bonds after years of 100% stocks 10:43 Two strategies for shifting into bonds slowly and smartly 11:42 Listener from Texas asks: How is average return actually calculated? 12:44 Why averages are simple math, not magic 14:13 Caller: TSP investor wants to grow $114k to $500k in 10 years—what it'll take 15:55 Fidelity Roth IRA options: AVGE vs. DFAW vs. VT + AVUV tilt 17:40 Pros and cons of each fund setup—risk, fees, and portfolio simplicity Learn more about your ad choices. Visit megaphone.fm/adchoices

Terry Mendez (@terrancemendez) is the CEO of Safe Harbor Financial. Terry plays a pivotal role in leading Safe Harbor, as the company helps shape the financial landscape for the cannabis industry.   We discuss some of the financial innovations that have lead to the cannabis industries growth and what financial strategies cannabis companies can use to grow!   You can find out more about Terry at https://shfinancial.org/ Join the FREE Facebook group for The Michael Brian Show at https://www.facebook.com/groups/themichaelbrianshow   Follow Mike on Facebook Instagram & Twitter

Today, I'm talking about the importance of estimated quarterly taxes if you're self-employed and how you can use the Safe Harbor rule, to help make an accurate tax estimate if your income is different this year from last year.    Join me in this episode to learn how you can avoid tax penalties and large tax bills by estimating your quarterly taxes as accurately as possible.    Also mentioned in today's episode:    What is the Safe Harbor Rule? 2:20 Paying your quarterly taxes based on current year income 9:10 The benefits of paying quarterly taxes 13:00   If you enjoyed this episode, please rate, review and share it!  Links:   On-demand class on Making Taxes Easier/Best Deal on my program, Money Bootcamp

The distributed generation market is shifting rapidly as capital tightens, power prices rise, and smaller developers bump up against capital and market constraints. Independent power producers (IPPs) like Aspen Power are stepping in to bridge the gap—partnering with developers, securing financing, and scaling solar assets in key markets. But what does it take to succeed in today's distributed energy sector? And what does distributed energy mean in today's evolving market?Jorge Vargas, co-founder and CEO of Aspen Power, has spent over two decades in structured finance and solar project development, with past roles at Morgan Stanley, Bank of America, and Lennar Homes. Aspen Power emerged from his work at Energy Impact Partners, where he identified the need for a full-scale IPPs focused on distributed generation. Backed by private equity firm Carlyle, Aspen Power has grown rapidly, now managing over 250MW of assets. Jorge breaks down how they are reshaping distributed generation through innovative financing, project buybacks, repowering existing assets, and long-term investment in clean energy infrastructure. Expect to learn:Why smaller developers are struggling to access capital—and how Aspen is helpingThe four market segments driving distributed generation todayHow Aspen's buyback strategy is unlocking new value in older solar assetsThe role of Safe Harbor in securing ITC benefits amid policy uncertaintyThe biggest regulatory and financial challenges facing developers in 2025If you want to connect with today's guest, you'll find links to his contact info in the show notes on the blog at https://mysuncast.com/suncast-episodes/.Our Platinum Presenting Sponsor for SunCast is CPS America!SunCast is proudly supported by Trina Solar.You can learn more about all the sponsors who help make this show free for you at www.mysuncast.com/sponsors.Remember, you can always find resources, learn more about today's guest and explore recommendations, book links, and more than 730 other founder stories and startup advice at www.mysuncast.com.Subscribe to Valence, our weekly LinkedIn Newsletter, and learn the elements of compelling storytelling: https://www.linkedin.com/newsletters/valence-content-that-connects-7145928995363049472/You can connect with me, Nico Johnson, on:Twitter - https://www.twitter.com/nicomeoLinkedIn - https://www.linkedin.com/in/nickalus

In this engaging conversation, Padma Venkatraman chats with Jennifer about her new novel in verse, Safe Harbor, exploring themes of belonging, empowerment, and mental health representation. They delve into Padma's personal reading journey, her experiences as a writer, and the significance of music and nature in her storytelling. The discussion also touches on Padma's future projects and the importance of diverse representation in children's literature. Show notes, including episode transcripts and information about connecting with this episode's guest, can be found here.  Chapters 00:00 Getting to Know Padma 05:07 Exploring Safe Harbor 11:48 Themes of Belonging and Empowerment 18:01 Mental Health Representation 23:58 The Role of Music and Nature 33:08 Looking Ahead: Future Projects

The Lord safely harbors us, and delivers us home!

The Lord safely harbors us, and delivers us home!

If you're looking for a heartwarming and thought-provoking middle-grade novel that explores themes of diversity, mental health, and environmental stewardship, you'll want to check out "Safe Harbor" by Padma Venkatraman. In this episode of the Reading with Your Kids podcast, host Jed Doherty sits down with Padma to dive into the inspiration and themes behind her latest book. Padma shares how her own experiences as a young Indian immigrant to the United States shaped her desire to create stories that reflect the diverse experiences of children. She explains the powerful metaphor of "stories as ships that sail the oceans of compassion," emphasizing the importance of books that can serve as mirrors, windows, and sliding glass doors for young readers. As Padma delves into the plot of "Safe Harbor," listeners learn about the book's multilayered themes, including immigration, divorce, bullying, and mental health. Padma's personal struggles with depression and her mission to portray strong characters with mental health challenges come through in her thoughtful insights. But it's not all heavy topics - Padma also shares the joyful and playful origins of "Safe Harbor," inspired by a chance encounter with a seal on the beach. The conversation explores how Padma's background in oceanography and her lifelong love of storytelling converge in this heartwarming tale of a young girl's journey to find her place in a new country. The episode also features an insightful discussion with author Jennifer Burns, whose book "Building Readers from Playground to Print" offers practical strategies for helping children transition from playful, imaginative learning to the more structured world of reading and writing. Jennifer shares valuable tips for parents and teachers, emphasizing the importance of understanding the learner's perspective and creating engaging, scaffolded experiences to foster a love of reading. Whether you're a parent, educator, or simply a lover of great middle-grade fiction, this episode is sure to leave you inspired to explore the depths of compassion and connection that Padma Venkatraman's writing has to offer. So grab a cup of tea, settle in, and get ready to set sail on an unforgettable literary adventure. Click here to visit our website – www.ReadingWithYourKids.com Follow Us On Social Media Facebook - https://www.facebook.com/readingwithyourkids Instagram - https://www.instagram.com/readingwithyourkids/ X - https://x.com/jedliemagic LinkedIn - https://www.linkedin.com/company/reading-with-your-kids-podcast/ Please consider leaving a review of this episode and the podcast on whatever app you are listening on, it really helps!  

There are many things we can harbor in our souls, and some things the Lord is asking us to let sail by.

There are many things we can harbor in our souls, and some things the Lord is asking us to let sail by.

Send us a textAre you maximizing your tax savings while building your retirement plan, or leaving opportunities on the table?In this episode, Mike Jesowshek is joined by Matt Ruttenberg to discuss strategies for reducing your 2024 tax bill through retirement contributions and planning. They highlight key deadlines for individual and employer contributions, such as the April 15th cutoff for IRAs and the extended filing deadlines for employer contributions. They also delve into options like solo 401(k)s, safe harbor plans, and cash balance plans, emphasizing the importance of early planning and ongoing consultation to maximize tax savings and retirement benefits.[00:00 - 02:17] IntroductionMike welcomes Matt Ruttenberg back to the show as a trusted retirement expert.Discussion begins with how the new year presents opportunities to address past tax planning mistakes.[02:18 - 05:59] IRA ContributionsDeadlines for Roth and traditional IRAs are April 15th.Contributions are based on individual earned income, not business profits. Lesson: Plan IRA contributions early, as extensions don't apply.[06:00 - 10:14] Profit Sharing and Employer ContributionsEmployer contributions for profit sharing plans can be made until the extended filing deadline.Different strategies, such as "new comparability," can maximize owner benefits.[10:15 - 13:28] Solo 401(k)s and New RulesFirst-year solo 401(k) participants can contribute employee portions up to April 15th.This rule applies to sole proprietors and single-member LLCs, not S-corporations.[13:29 - 16:11] Safe Harbor and ComplianceSafe harbor plans help owners and highly compensated employees avoid compliance issues.A 4% non-elective contribution can be made post-deadline to improve compliance.[16:12 - 24:33] Advanced Plans: Cash Balance and Defined BenefitHigh-income businesses can use defined benefit plans for contributions up to $300,000.These plans require actuary involvement and multi-year commitments.[24:34 - 31:16] Key Takeaways and Planning for 2025Employer contributions can be made until the filing deadline, including extensions.2025 should focus on proactive tax planning to avoid last-minute issues.Direct Quote:"All 401(k) plans are not created equal; work with someone who knows the options available to you." - Matt RuttenbergBuild a custom 401(k) for your business by visiting https://lifeincrs.com/tax-savings-podcast/ ______Podcast Host: Mike Jesowshek, CPA - Founder and Host of Small Business Tax Savings PodcastJoin TaxElm: https://taxelm.com/-------Podcast Website: https://www.TaxSavingsPodcast.comFacebook Group: https://www.facebook.com/groups/taxsavings/YouTube: www.TaxSavingsTV.com 

In the division between this world and eternity, we have a supernatural anchor to the love of Christ.

In the division between this world and eternity, we have a supernatural anchor to the love of Christ.

In this series, Beth Moore explores the idea of safety, and invites us to consider what it means to hide in God, instead of hiding from God.

In this series, Beth Moore explores the idea of safety, and invites us to consider what it means to hide in God, instead of hiding from God.

The holidays are the season of giving, and while we take a break this week, we're bringing back an episode with My Safe Harbor. My Safe Harbor is an organization that empowers women and mothers to be the best that they can be. They have learned that empowering women empowers communities. The organization host mother's clubs and enrichment classes that help give women back their dignity and hope. We hope that you enjoy hearing about My Safe Harbor today, and remember that this season is all about giving back. To learn more about My Safe Harbor, visit mysafeharbor.org    Super Mamás  IG: @_supermamas  Facebook: Super Mamás  Twitter: @_supermamas   Website: http://supermamas.com/    This is a Redd Rock Music Podcast  IG: @reddrockmusic  www.reddrockmusic.com  Learn more about your ad choices. Visit megaphone.fm/adchoices

Clinton Donnelly is the CEO of CryptoTaxAudit. He joined me to discuss the details of the IRS Crypto Safe Harbor Plan.Topics: - IRS Safe Harbor Plan - 1099 DA Form - Preparing for the 2025 Tax Season - Will Trump Remove Taxes from Crypto? - https://www.cryptotaxaudit.com/1099 Signup - https://www.cryptotaxaudit.com/guard-dog?afmc=thinkingcrypto Show Sponsor - ✅ VeChain is a versatile enterprise-grade L1 smart contract platform https://www.vechain.org/ 

With the nomination of the pro-crypto Paul Atkins to be the next SEC chair, the crypto industry is potentially facing a 180 from the agency. As co-chair of The Digital Chamber's Token Alliance initiative and a board member of Securitize, Atkins is not only pro-crypto, but also against the type of “regulation by enforcement” strategy of current Chair Gary Gensler.  In this episode, Cody Carbone, president at The Digital Chamber, explains why Atkins is likely to start reassessment of the agency's lawsuits against crypto firms, why Trump might break with protocol to fill one of the commissioner seats that would typically be filled by a Democrat, and who he thinks might make for a good “crypto czar.”  Show highlights: Why Cody that Atkins leading the SEC would be a massive transformational shift  What can be expected from Atkins given his prior experience What crypto cases might be dropped under his leadership Whether Atkins could provide rulemaking before Congress passes legislation Cody's hard criticism of Gary Gensler's modus operandi Why Cody thinks Trump could surprise people when it comes to replacing Democratic Cmr. Jaime Lizárraga How long it could take for Congress to confirm Atkins Why Cody believes that Atkins will support Hester Peirce's Safe Harbor proposal Whether the CFTC will be the primary regulator of the crypto industry in a Trump administration Whether the U.S. will have a crypto czar and who it could be What crypto legislation Cody thinks is likely to be passed in 2025 Visit our website for breaking news, analysis, op-eds, articles to learn about crypto, and much more: unchainedcrypto.com Thank you to our sponsors! Polkadot iYield Guest Cody Carbone, President at The Digital Chamber Links Trump's Office Picks:  Unchained:  Trump Taps Paul Atkins for Next SEC Chair, Making Good on His Crypto Promises Democratic SEC Commissioner Is Stepping Down, but That Doesn't Mean Trump Will Get 2 Outright Picks  Trump Taps Hedge Fund Manager Scott Bessent to Be Treasury Secretary Trump's Plans for a ‘Crypto Czar' and a Crypto Advisory Council: Here's What We Know  A Degen Administration? Why the Crypto Czar May Be Allowed to Own Tokens Tracking Trump's Cabinet and Staff Nominations  Congressional Results John Reed Stark's tweet:“current SEC Chair Gary Gensler is quietly working behind the scenes to lead the SEC from the grave” Buckley LLP Infobytes Blog: SEC commissioner proposes cryptocurrency safe harbor Fox Business: Perianne Boring among contenders to lead agency involved with crypto in Trump admin Timestamps: 00:00 Intro 02:19 Why Cody believes Atkins would be a transformational SEC chair 03:13 Insights from Atkins' past experience and what it means for crypto 07:19 SEC/crypto cases likely to be dropped under Atkins' leadership 14:31 Potential for SEC rulemaking before Congress passes legislation 18:19 Cody's critique of Gary Gensler's regulatory approach 21:13 Why Trump might break with protocol to replace Democratic commissioner Jaime Lizárraga 23:27 Expected timeline for Congress to confirm Atkins 26:52 Support for Cmr. Hester Peirce's Safe Harbor proposal 28:18 An expanded role for the CFTC in crypto regulation? 31:37 Speculation on the potential for a U.S. crypto czar 35:03 Key crypto legislation to watch for in 2025 38:24 Crypto News Recap Learn more about your ad choices. Visit megaphone.fm/adchoices

Frank starts the third hour with denunciations for the week. He then talks about his crazy evening schedule. He finishes with the hour with the Conspiracy of the Day on if FDR knew of the planned attack on Pearl Harbor before it happened. Learn more about your ad choices. Visit megaphone.fm/adchoices