Podcasts about timelines

On this week’s episode of More Than Money, Faisal Karmali and Rob Gerrie are joined by Anthony Quinn, President of CARP, to discuss whether older Canadians are being unfairly blamed for the economic pressures facing younger generations and what changes to OAS or health care could mean for the future. Then, Faisal and Rob discuss what happens when couples retire at different times and how to plan when one person is ready to stop working before the other.See omnystudio.com/listener for privacy information.

Send me a DM here (it doesn't let me respond), OR email me: imagineabetterworld2020@gmail.comToday I'm so honored to have back on the show for a third time: MK ULTRA, satanic ritual abuse, and organized abuse survivor, overcomer and whistleblower, loving mother, musician, writer, independent researcher of past and present history, and a woman on a mission to raise awareness about trauma-based mind control programs that have been hidden in the dark and to help others heal from the unimaginable: NoaidiA little bit about Noaidi if you missed her incredible first two episodes, if you're new here, or if you just need a quick recap: Born in Humble, Texas, into a family whose public story was one of Mormon pioneer heritage and military service, she entered the world already carrying secrets older than her own memories. Her maternal grandfather proudly traced the line to some of the earliest settlers of Utah. Beneath that lineage ran generations of control, exploitation, and hidden operations that stretched across Air Force bases, hospitals, underground facilities, and intelligence programs. On her father's side, family features and ancestral threads pointed toward the Sámi people of northern Norway an ancient indigenous people long targeted for their shamanic gifts, psychic capacities, and ability to travel beyond the body. From before her first breath she was marked. Childhood was not innocence. It was a battlefield.She was taken to Air Force hospitals, subjected to procedures that fractured consciousness, induced near-death states, and trained as both a theta psychic asset and a beta sex slave. Rituals, family “vacations,” Disney programming, and constant medical interventions reinforced the inner and outer architecture. Missing months of school, body memories of wires and machines, out-of-body perspectives of experiments designed to open portals - these were the hidden curriculum. At home the culture of the network was simply life. Yet even inside that engineered darkness a light refused to go out.At eight years old, against her family's dismay, she felt an unrelenting pull toward truth and became born again. She devoured Scripture through her teenage years. At twenty-one, pregnant with her first child, she entered a contemplative Christian church and spent thirteen years in disciplined self-observation, meditation, and the patient work of gathering fragmented parts of herself into greater wholeness. That inner foundation became her sanctuary. It taught her that consciousness itself cannot be destroyed. What had been forged for control could be reclaimed for liberation.Then, at thirty-four, the dam broke. Long-repressed memories returned in a torrent after the natural birth of her fifth child - vivid, physical, and undeniable. She found the courage to speak. Her mother took her to an Austin therapist who specialized in ritual-abuse and mind-control survivors, the first safe space where truth was allowed to breathe. The inquiry that followed revealed she had been used as a breeder. Six of her seven beautiful children were forcibly taken. Her own family ostracized her, discredited her, and worked to silence the testimony she carried. Most people would have been destroyed, but Noaidi rose.She turned the very tools of her programming into instruments of freedom. People felt seen, held, and transformed in her presence. She began offering spiritual healing and prayer. Today she stands as a whistleblower, survivor advocate, and voice for the voiceless. Ostracized, targeted, and forced to relocate with her youngest daughter for safety, she continues to speak. She shares her story so that others will know they are not alone, so that the hidden programs can no longer operate in complete darkness, and so that the cycle that ran through her family for generations can finally end with her.Noaidi did not simply outlast the programs designed to own her; she metabolized them. The same capacities they trained for obedience and extraction she now wields as instruments of remembrance and repair. She is the woman who took the weapons meant to break her and forged them into tools of awakening. She is the mother who prayed that the abuse would end with her and then lived that prayer at an enormous cost. She is the overcomer who still sings, still writes, still researches, still heals, and still stands taller. She is a divine walking miracle. And the light she carries is no longer hidden.

This week Erin M. Evans, B. Dave Walters, and Treavor Bettis answer questions about Timelines, Tertiary Characters, and Novelas. Join our Patreon:https://www.patreon.com/writingaboutdragons Join the Discord!https://discord.gg/MdSVsfpTzu Starring:Erin M Evans (Empire of Exiles, Brimstone Angels)https://bsky.app/profile/erinmevans.bsky.social B. Dave Walters (A Darkened Wish, Black Dice Society)https://bsky.app/profile/bdavewalters.bsky.social Treavor Bettis (Difficulty Class, Champions of Lore)https://bsky.app/profile/thetreavor.bsky.social Pre-Order Dungeons & Dragons Fiends & Foeshttps://www.barnesandnoble.com/w/dungeons-dragons-fiends-foes-erin-m-evans/1149826336?ean=9780593838877 Enroll in B. Dave's 14 Day Writer:https://www.theundisputedacademy.com/14-day-writer-home-page

Michael D'alton was a mechanical engineering student fighting asthma and eczema that steroids couldn't touch. After a two-year wait to see a specialist ended with "you have eczema" and nothing else, he stumbled into a bioenergy healing session — and by day three, his symptoms were gone.That was 33 years ago. He's spent the decades since training thousands of people in the practice, building an international healing school, and appearing on Oprah's network, BBC, and outlets across Ireland and the UK.Oto and Michael go deep on the difference between Reiki and bioenergy work, the biofield and how frequency shapes the body, why identity is the real obstacle standing between people and their health, and what happened when COVID shut down the 27-year-old school that had become his whole sense of self. It closes with Michael's answer to Oto's signature question: two minutes, a million people, one thing to say before you drop the mic.DISCLAIMER: NOT MEDICAL ADVICE. FOR EDUCATIONAL AND ENTERTAINMENT PURPOSES ONLY.CHAPTERS00:00 Intro01:00 The specialist appointment that changed everything05:00 The treatment that convinced him the energy was real07:00 Reiki vs. bioenergy: "first aid vs. surgery"10:00 Lockdowns in Ireland and Canada, and losing the filter12:00 The biofield, frequency, and the Hawkins scale of consciousness25:00 The radio station analogy — identity and why people relapse27:00 "We have the innernet" — the technology inside you29:00 Why finance is the next collective reckoning34:00 Dependency, identity, and re-internalizing self-worth45:00 Timelines, doom vs. hope, and one person's frequency vs. thousands53:00 Losing his identity when COVID shut down his school1:21:00 Final message: "You're always winning"KEY TAKEAWAYSBioenergy healing works on the biofield rather than through touch, and Michael draws a clear line between it and Reiki — he calls Reiki "first aid" and bioenergy "surgery" for how deep and specific the work can go.Identity is the throughline of the whole conversation. Michael's read is that people don't stay sick because of the illness itself — they stay sick because being sick has become who they are, and changing that requires a different sense of self, not just a different treatment.The COVID years form the hinge of his own story. He talks candidly about the identity crisis that hit when his 27-year-old healing school shut down overnight, and what it took to find out who he was without the stage.CONNECT WITH OTO:Instagram – https://instagram.com/otogomes Website – https://otogomes.live GUEST LINKSWebsite — https://www.daltonsbio.com Instagram — https://www.instagram.com/michaeldaltonbioenergy/

Hey Inbetweeners! How's your Friday going?Thank you for tuning in once again! In today's episode, we're talking about relationship timelines. Is there actually an appropriate time for different milestones in a relationship? When should you or your partner say “I love you”? When is it okay to have access to your partner's account? When should you move in together, have sex, talk about your salary or debts, or meet each other's family and friends? We're getting into all this and more based of our own opinions and experiences.We hope you enjoy the episode

(3:00) Boxes and trucks (7:00) Should they invest in Mike if he wins some games(17:00) Could Alabama be it?(21:00) When does Malachi become viable?(29:00) Coaching wish list(34:00) Big name coach is expensive, opt for roster spending instead?(41:00) How confident are you they will spend aggressively?(45:00) Timeline for AD hire(48:00) Will an AD be in place before the coach?(51:00) How much deficit can an AD bridge?(1:00:00) How long will it take to build it back?(1:18:00) What is it about Mike or his offense that keeps seeing QBs fail?(1:27:00) Will it truly be a restructure?Music: Origami Angel - Play Around The CritFollow CumminsLifestyle on IG Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

(3:00) Boxes and trucks (7:00) Should they invest in Mike if he wins some games(17:00) Could Alabama be it?(21:00) When does Malachi become viable?(29:00) Coaching wish list(34:00) Big name coach is expensive, opt for roster spending instead?(41:00) How confident are you they will spend aggressively?(45:00) Timeline for AD hire(48:00) Will an AD be in place before the coach?(51:00) How much deficit can an AD bridge?(1:00:00) How long will it take to build it back?(1:18:00) What is it about Mike or his offense that keeps seeing QBs fail?(1:27:00) Will it truly be a restructure?Music: Origami Angel - Play Around The CritFollow CumminsLifestyle on IG Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

When special education timelines slip, the problem is rarely paperwork alone. It often signals that staff, students, and families need stronger support systems.In this episode, we explore how leaders can protect compliance, reduce overload, and keep every child's story at the center of the work.#EducationalLeader,Kim “When schools are well led, students learn well.”Website: http://kimdmoore.comBook: http://leadershipchairbook.comLinkedIn:  https://linkedin.com/in/kimdmooreYouTube: https://youtube.com/@EducationalLeaderThe views shared herein are solely those of Dr. Kim D. Moore and do not necessarily reflect the positions of her employer, the school district, or any local, state, or federal government entity. 

in this episode, I talk all things timelines. How to find peace within yours and stop comparing... should you put deadlines on manifestations or not?... and how to collapse timelines so much faster because of this... ♥︎ enjoy. ♥︎ 

What are you still holding on-to?Comparison, expectations, Timelines.CONNECT https:// www.linktr.ee/Klsurvivor101 EBOOK https://link.amazon/B0hyGMNOQCOACHING https://forms.gle/XVyE4oFExFj1hRPr9MEDICAL DISCLAIMER: Any content used in this or any other episode of SSTO are those of the creator and should NEVER be replaced for professional physicians help. #stroke #strokesurvivor #strokerecovery #strokepodcast #reclaimyouridentity #lettinggo #greif #comparison #fundraiser #accountability

Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society.   In this episode, Justin interviews Janice Ochenkowski about her leadership, her career path, serving in RIMS External Affairs and later as RIMS President. They discuss the September 11, 2001 terrorist attacks, the loss of lives, and the impact the attacks had on life in the U.S. Justin and Janice talk about Janice's role in passing the Terrorism Risk Insurance Act (TRIA). They also address the financial and housing crisis of 2007-2008. Janice relates her testimony before Congress on various matters over the years, and how her RIMS leadership held her in her employment. Listen for wisdom on adapting and changing with the times, and using leadership opportunities to help your business as you move your risk career forward.   Key Takeaways: [:01] About RIMS and RIMScast. [:16] About this episode of RIMScast. We will be joined by former RIMS President Janice Ochenkowski. [:35] Janice will discuss how her time on the RIMS Board and as RIMS President helped ensure the passage of TRIA, the Terrorism Risk Insurance Act, in the aftermath of the 9/11 terror attacks. [:49] There will be plugs later on, and we will learn about Janice's fascinating career, but I wanted to address the fact that this episode is being released on September 8th, 2026, a few days before the 25th anniversary of the 9/11 terror attacks in the U.S. [1:10] Before we get started, I'd like to welcome back RIMS's Chief Executive Officer, Gary LaBranche, to say a few words. [1:18] Message from Gary LaBranche: 2026 marks a quarter-century since terrorist attacks on the United States killed nearly 3,000 people, injured many more, and impacted the lives of millions. [1:30] This RIMScast podcast provides the opportunity to reflect on the lives lost and the lasting impact of this tragedy on survivors, families, friends, first responders, and everyone who witnessed that horrendous day and has borne its burden over the past 25 years. [1:51] The events of 9/11 also revealed the best in human nature, such as the warm, welcoming affection shown by Canadians when U.S.-bound flights were diverted to Gander, Montreal, Vancouver, Halifax, and other locations in the aftermath of 9/11, as we learn in this podcast. [2:11] RIMS played a leading role in crafting and passing the Terrorism Risk Insurance Act (TRIA), which established an insurance backstop in the event of a future large-scale terrorist attack on America. [2:24] RIMS is working right now on bipartisan legislation in both the U.S. House and Senate to reauthorize TRIA. As we commemorate this day, let us rededicate ourselves to the important work that risk management does to make the world safer, more secure, and more sustainable. [2:46] On with the Show! Here to provide a brief history of RIMS's collaboration with members of Congress and the global insurance and risk management community is Janice Ochenkowski. [2:59] Janice was RIMS President in 2007, and as we will learn in this episode, she had a colorful career with RIMS and with Jones Lang LaSalle, a commercial real estate property owner. [3:13] Her RIMS participation prior to her presidency was instrumental in helping her get TRIA passed by Congress, so there's a lot to learn today … Let's get to it! [3:23] Interview! Janice Ochenkowski, welcome to RIMScast!  [4:04] Janice joined the Chicago Chapter of RIMS, not understanding the larger RIMS organization. She became an active member and an officer. She was President of the Chicago Chapter the year that Chicago member Art Bostwick was RIMS President. [4:55] Janice says Art was a good mentor for her. He encouraged her to follow in his footsteps to be national president. She laughed, but many years later, she did. [5:20] Janice started her risk management career in 1980; she joined the RIMS Chicago Chapter in '82 or '83. After moving through the chairs in the Chicago Chapter, she became a delegate to the RIMS Conference, started working in various committees, and moved into leadership. [5:47] Janice was elected to the Board, took on responsibilities for different chairs, and ended up in charge of Government Affairs. [6:01] Lance Ewing, the President at the time, asked the Board what roles they wanted to take. Janice said she would do anything except legislative stuff, because she didn't know anything about it. He burst out laughing, and suddenly that was her mandate. [6:31] Janice says she absolutely loved it. Jim McIntyre, who was RIMS's Washington Counsel, was a phenomenal mentor. He prepared her to testify, prepared her for meetings, and explained who she was going to meet and how it was going to work, and so on. [6:53] Janice says, from there, I went into a few other responsibilities and ended up as the President. [7:10] Janice started her career in 1980 at LaSalle Partners in real estate and financial services. There were 150 employees operating in six states. Because of Federal regulations regarding their pension work, they needed a full-time risk manager. [7:35] The legislation said they needed a risk manager but didn't explain what the risk manager needed to do. Janice had been teaching high school, and she wanted to move into business. [7:47] Janice interviewed through an employment agency with a variety of companies, and decided LaSalle Partners sounded interesting and it would be a good platform for her to get some experience and then move on. [8:02] Thirty-eight years later, she was still there, and retiring. When she retired, there were 90,000 employees in 100 countries. Janice had 17 full-time staff, globally, working for her. [8:20] Janice says LaSalle Partners started as a privately held company. Janice was one of the partners. It became a corporation and, after acquisitions, merged with Jones Lang Wootton, a UK real estate organization, and became Jones Lang LaSalle. [9:17] Janice says her career was a wild ride. She says she never could have imagined the experiences she had, the friendships she made, and the things that she learned and had opportunities to do, through her company and through RIMS. [9:36] Janice says she was able to draw links between the benefits of RIMS and the business of her business. When she went to board meetings, they asked how her RIMS work was going. She showed that being in leadership at RIMS helped her company to achieve its goals. [10:27] Janice says, when she started at RIMS, there were the local chapters, and then there were industry groups. The real estate industry group was extremely active. It was populated by very experienced real estate risk managers. They served as mentors to anyone coming on. [10:47] The group met not only during RIMS, but also in New York, in the fall, outside of the RIMS conference. Eventually, Jones Lang LaSalle supported the group's meetings and allowed them to use JLL buildings and support from technology to go forward. [11:07] Janice says, when she was going to a RIMS conference, she asked the JLL Board if there was anything they wanted her to focus on when meeting up with risk managers of their clients and vendors. [11:33] Over time, she didn't have to ask. They asked her, if you're going to your RIMS meeting, talk to this person. See if you can find out about this issue. There was connectivity between what Janice did at RIMS and supporting JLL. [12:10] Justin asks what Janice taught in high school. It was English and French. She can still speak un petit peu of French. She enjoys opportunities to speak to people in French and ordering from French menus. As a teacher, she wanted something different and moved into business. [12:42] Justin says that in over 400 RIMScast episodes, Janice might be the first guest who went from teaching and transitioned over to insurance. Janice says making lesson plans and executing them is good training for business. [13:07] Janice says she learned how to explain things. She had to translate insurance into real estate speak for JLL. She had to take real estate speak and translate it into insurance speak for underwriters and brokers. [13:22] Janice was comfortable speaking to groups because she had been speaking to unruly teenagers and getting them under control. Talking to a bunch of business people, who at least pretended to be interested, was a piece of cake. Janice says it was fun, and a good transition. [13:55] Justin brings up Janice's time as the Director of Government Affairs for RIMS. She became chair of what is now known as the RIMS External Affairs Committee. Lance Ewing nudged her into the role in the late 1990s. Then the September 11 terrorist attacks happened. [14:40] Janice says that one thing that's missing from most recollections is the immediate impact that the 9/11 terrorist attacks had. Before 9/11, there was the general perception that our borders were safe; there wasn't going to be an attack on U.S. soil. [15:15] When we saw the towers burning, when the plane went down, when the Pentagon was hit, that illusion was shattered. There was fear. We didn't know if this was the first of an aerial attack. Janice was on the 70th floor of the Aon Building, so it was a real concern for her. [15:40] Janice says, we didn't know if there was going to be an invasion or similar attacks around the country. To develop good risk management practices, the first thing you have to do is define the risk. [15:53] Janice says, we couldn't define the risk. The only thing we could do immediately was respond to the situation. She was thinking more with her Jones Lang LaSalle hat than with her RIMS hat. The entire leadership and spouses were on the West Coast doing strategic planning. [16:20] Janice says most of them operated in the Midwest and the East Coast. They had to get back, but there were no planes, no trains, and no transportation. They tried to get rental cars. So did everyone else in the world. [16:50] When they couldn't get more rental cars, they went to a used car lot and bought vans, station wagons, and whatever they could find where couples could travel together to similar places. When they got to where they were going, they sold the cars. That's how they got back. [17:15] Janice says, meanwhile, our technology folks were setting up hotlines: one hotline to figure out where people were. We had people traveling or on vacation. We didn't know where they were, and there was very limited communication. Phone lines and internet were down. [17:45] We set up a hotline. Every employee was required to call in every day for a couple of weeks, identifying where they were, whether they needed help getting back to their home, and what other resources they might need. The hotline helped them to get those resources. [18:06] The second hotline was for families. Families called that line if they were unable to reach their loved one. If the employee had called the hotline, JLL could tell the family where the employee was, how things were going, when they might get home, and take note of needs. [18:26] Janice says that's what was happening on the home front, away from the immediate needs in each of these 9/11 sites. It was only after that that you could settle back and think strategically about what it meant on a broader basis, and that's when she put her RIMS hat on. [18:49] Justin guesses that at the time, Jones Lang LaSalle had thousands of properties across the U.S., with millions of square feet. So there is the security risk at those buildings, as well. Janice agrees, absolutely. [19:04] Janice says people focus on New York and D.C., but in Kansas, Nebraska, and all around the country, everyone was in shock and preparing for the worst. [19:26] Janice says she remembers sitting on the 70th floor of the Aon Building, once they let everyone in, after a few days. There were windows all around, and her window looked out onto Lake Michigan, where all the military patrols were, over the lake. [19:52] Janice clearly remembers many times over the next several weeks sitting there and suddenly seeing a black helicopter rise into view. She could see the pilot's face, and she waved. Then it would descend. She says it was reassuring but also scary. [20:30] Justin asks about the hotlines. Janice says Jones Lang LaSalle did things collaboratively. If Technology was working on something, they brought in Risk, Legal, and HR, and they all sat down and figured it out. They were all a part of whatever strategy was needed. [20:55] Janice was involved. She was an important member of the Security Team and the Safety Team, and was involved even in the aftermath, coming up with ways in which to strengthen and protect their buildings. [21:08] People were worried about chemicals being thrown into the ventilation. So they came up with ways to protect that while still letting air into the buildings. What to do to allow people back in. All of those things had to be considered, for safety and for the practical effect on operations. [21:33] A Quick Break! Many fantastic RIMS events are coming up in 2026. The 11th Annual Chicagoland Risk Forum will return to the Old Post Office on Thursday, September 24th, 2026. Visit ChicagolandRiskForum.org for more information. [21:46] The RIMS Western Regional Conference will be held from October 4th through the 7th in Seattle, Washington. The agenda is live, and registration is open. Visit RIMSWesternRegional.com and the link in this episode's show notes for more information. [22:02] Save the dates: October 18th through the 21st. In Quebec City, we will be hosting the 50th Annual RIMS Canada Conference. Booth sales are open, and sponsorship opportunities are still available. Visit RIMSCanadaConference.ca for more information. [22:24] Also, remember to check out RIMS.org/Canada for our spinoff show, RIMScast Canada, with a new episode every month. [22:32] The RIMS ERM Conference 2026 will be held on November 19th and 20th in Columbus, Ohio. Registration is open. Visit RIMS.org/ERM2026. [22:46] We're already looking to RISKWORLD 2027, which will be held over four days in New Orleans, Louisiana, from April 18th through the 21st! RISKWORLD 2027 Registration is open to organizational, individual, and associate RIMS members. [23:04] Get first access to the hotel block. Hotel reservations open on October 28th, ahead of public registration. Sitting this out is the real risk! The link to registration is in this episode's show notes. [23:17] Let's Return to Our Interview with Former RIMS President Janice Ochenkowski! [23:41] Janice says she needed to wear her RIMS hat almost immediately. She says everyone realized that there was "innocuous" language in all policies that said terrorist acts were covered. [23:57] There were no limits, sublimits, or deductibles. It was standard coverage because no one expected it to be a real issue. Then it was. There was an immediate concern as they looked at what their total exposure was. [24:14] There was the concern about what to do for new policies. There was a moratorium on policies, as there always is after a particular crisis. When they were reissued, that language was removed. That might not seem like a problem for organizations with no real risk. [24:35] Janice says, in the risk management area, there were covenants in our client contracts, from language pulled from insurance policies, that now we couldn't satisfy that requirement. We were in violation of our contract. [24:54] Janice says the more critical issues were loan agreements and mortgages. Lenders required terrorism insurance. They weren't going to take that out after 9/11. We were faced with a terrible conundrum. We were in violation of our loan agreements. [25:16] Janice says nobody moved quickly to foreclose on any of those things, but it was hanging over our heads. Unsuccessful efforts to renegotiate were going on, all across the country. Congress was absolutely unwilling to become the Federal program for terrorism. [25:39] Janice says Congress refused to consider it being another flood insurance program because that wasn't going too well. Insurers started trying to figure things out and made some limited amounts of coverage available. [25:55] At one point, globally, there was $10 million of terrorism coverage available. $10 million didn't satisfy anybody's loan requirement. Ultimately, it went up to $25 million, but it was still a problem. [26:24] Organizations like the Real Estate Round Table, RIMS, and other groups formed coalitions. Jim McIntyre was very helpful. He had contacts in all those groups. He inserted RIMS wherever he could. [26:49] JLL saw the basic need for what Janice was doing at RIMS, so she had carte blanche to go to Washington whenever she needed to work on these matters. These groups were able to explain to Congressional aides and the business press what things meant, in plain English. [27:33] Januce says, you tell them, this building goes into foreclosure, and the guy running the coffee shop doesn't have a job anymore. Development and construction totally stop. Nothing was being built. That impacts all the trades and unions, so they joined the coalition. [27:57] Unions became activists because their members, who thought they had jobs starting over the next several months, were now sitting on their hands with nothing to do. Small businesses set up around the potential sites had nothing happening. [28:18] Janice says there was a financial impact from that decision by insurers. It wasn't a faulty decision; they had shareholders. [28:33] Ultimately, after long discussions and negotiations, Janice testified before the President's Working Group on Terrorism, and before Congress, and met with Congressional Aides who were working on various bills, and was able to assist in passing TRIA. [28:58] TRIA wasn't perfect, but what it did was bring together the three major parties who had the most skin in that game and gave each of them a relative amount of financial responsibility in what happened. [29:12] These parties were the policyholders, with huge deductibles; insurance companies, with caps and reasonable premium allocations for risks, and the Federal Government, which came in after tens of millions of dollars had been paid out and criteria were met. [29:45] The Federal Government wasn't being capricious, or taking first-dollar risk, but was a backstop, so that there wouldn't be financial ruin and we wouldn't have a lot of bankruptcies. Imperfect as TRIA was, it solved a problem. [30:06] Janice says there have been several reauthorizations, and it has been tweaked each time to meet the issues and criteria that had to be met. Justin asks about cyber and forms of terrorism that may not be physical acts of terrorism. [30:31] Janice mentions the NBCR, for Nuclear, Biological, Chemical, and Radiological threats. It raised the issue, and there were risk management processes that were able to minimize those risks. [30:49] One more Quick Break! RIMS, The Foundation for Risk ManagementTM, is dedicated to shaping the future of the profession. By making a contribution, you are strengthening the global risk management community and investing in the future of the industry. [31:09] The Foundation also supports the Spencer Educational Foundation but has a different mission. The Foundation focuses on providing opportunities for those professionals who have already decided to enter risk management and are just getting started. [31:23] You can learn more about the Foundation by visiting www.RIMS.org/FRM.  While you're there, be sure to check out information about the Susan Meltzer Scholarship Fund, which was established to honor Ms. Meltzer, who was RIMS President in 1999 and 2000. [31:42] Susan Meltzer was a cherished RIMS President and contributed so much to RIMS and the greater risk community. Learn more at RIMS.org/FRM. [31:51] Let's Return to Our Interview with Former RIMS President Janice Ochenkowski. [32:12] Janice says meeting with Congressional Aides and Policymakers on Capitol Hill was intimidating the first hundred times she did it. You're walking into these buildings that you've only seen photographs of. You're going into the offices. [32:24] Jim McIntyre had explained to her that Congressional aides have a lot of power over the bills and the language in the bills. The Congresspeople they work for look to these aides to be their technical resource. [32:42] While some people were angry that they couldn't meet with the principal; they were only going to meet with the staff, but you want to meet with the staff. [32:57] The staff will take the time to sit down with language and work with you on it, and you'll have a better chance of impacting things by developing relationships with them. It worked very well. Some of the work Janice did with Jim before 9/11 really helped. [33:22] There was some insurance legislation that was going on. Aides did not understand what it meant. Janice ran a lunch program for the aides and taught them the basics of insurance. She bought pizzas for them. Now, you can't do that because you can't buy them lunch. [33:44] Janice says they were coming to learn. Many of them were thankful because it gave them an understanding of what people were talking about and why certain things mattered. We had built some groundwork before TRIA. It helped because I already knew some of the aides. [34:00] There were already relationships. They were willing to sit down and talk with us. We were the voice of the insurance buyer. Previously, when insurance matters were discussed on the Hill, insurance companies and brokers were lobbying. This time, it was the voice of the buyer. [34:29] Janice says, We were constituents. We represented industries and organizations that were in their respective districts. Our voice became an important voice, distinct from the insurance industry. It reinforced RIMS's importance and raised our visibility on the Hill. [34:58] In 2004, Janice testified before a Senate Government Affairs Subcommittee on Insurance Brokerage Regulation regarding TRIA. Janice says, walking in, she was overcome with a sense of history. The panel was people she had seen on C-SPAN. [35:26] Janice says she was terrified she would say something wrong, that it would come out backwards, and that she would embarrass RIMS, JLL, and herself. She was used to speaking in public, but this was just different. It all went well in the end. [35:55] Janice says she had a prepared statement. Then there were five-minute questions and answers. Janice says there is a clock counting down, and when it gets to one minute, it starts flashing. She says it was a little unnerving and she stuttered a few times. [36:33] Janice says they interrupt your five minutes with questions, so your time is less. You're supposed to summarize what your position is and what you're testifying for. When you're on a panel, it's not the same as when they're conducting a hearing, accusing you of wrongdoing. [37:02] Janice says the Congress Members are trying to get information and a few sound bites to send home. It's not antagonistic. They're not trying to trip you up on anything. Once you become accustomed to it, the next time is a little easier, because you're relaxed. [37:29] In 2006, Janice appeared before the House Subcommittee on Financial Services about Insurance Modernization. Janice says it was a topic that she had a lot of comfort in speaking about. She wasn't quite as nervous about getting the facts mixed up or totally blanking. [38:05] Janice says she was part of a panel of five or six people. It's for an hour or so. They might pause if somebody has to take a call. [38:36] Janice became RIMS President soon after. [38:52] In 2012, Janice returned to Capitol Hill for a hearing before the Subcommittee on Insurance, Housing, and Community Opportunity of the Committee on Financial Services in the U.S. House of Representatives. [39:08] Janice says she always spoke in RIMS's capacity. JLL did not do any lobbying. JLL joins groups, like the Real Estate Round Table, RIMS, and other groups that represent their interests. [39:36] Janice says that for the 2012 visit she had a greater comfort level. It was on an issue she was comfortable with: broker compensation. It was easier to discuss. She still had the same anxieties about being in Congress, in that room, with all the history, speaking to icons. [40:23] Justin says that TRIA was eventually passed. It's been reauthorized a couple of times. It has made a difference for companies and for society, at large. Janice says it raised RIMS's profile in the eyes of the others who were participating and testifying. [40:46] Janice says RIMS got a lot of press. The Wall Street Journal and the business press, in addition to insurance publications, presented information about RIMS. On a corporate level, when Janice's name was printed in association with JLL, clients asked about it. [41:18] Janice says, with things like TRIA, or general insurance questions, clients would go to their risk managers and ask them to contact me to get information. This delighted JLL because it was a closer client relationship. JLL had an initiative to provide specialist experts for clients. [42:23] Janice says if you go before Congress, the most important thing is to do your homework. Even if you're comfortable with public speaking, don't expect you can ad-lib to a Committee. Prepare, prepare, prepare, and understand the pros and cons. Practice with potential questions. [43:06] Janice practices loudly to learn what word combinations she stumbles over. Then she removes them from her presentation. She says when you're more prepared, you're more self-confident. That makes you a better presenter. Justin says, also, rehearse in different places. [44:29] Janice takes a somewhat formal draft and then "Janicizes" it. She writes it in a way that's more conversational, as she would speak, rather than reading something formally. That makes you more comfortable, so you're a better presenter. [45:22] Janice says it seems that everybody knows when it's time to pass the baton to the next generation. She loved what she did, and she did it well; she was open to new ideas, but she was standing in the way of the next generation of leaders moving forward. She didn't want to do that. [45:55] Janice says that people with new ideas, generational ideas, who could relate to what's coming up, need to be allowed to move forward. [46:12] Janice says, think about what's happening in Washington. People need to move aside to let a new generation of leaders come in. Otherwise, you're missing that energy and enthusiasm of a new group of leaders. That's life. You move away and let the new guy in. [47:05] Webinars: On September 17th, AXA XL returns to present the session, "Beyond the Loss Count: What Property Claims Reveal About Frequency, Severity, and Resilience." [47:16] On October 1st, Brown and Brown will make their RIMS Webinar debut with "The Future of Captives: What Risk Managers Should Think About Now." [47:26] On October 8th, Global Risk Consultants will present "The 2027 Risk Agenda: 10 Engineering Priorities Risk Leaders Should Act on Now." [47:35] On October 15th, Verisk Maplecroft will lead the session, "Beyond the Horizon: Turning External Risk Into Decision-Ready Insight." [47:44] On October 22nd, Zurich will present "Cybercrime, Fraud and AI: Real-World Threats and Practical Defenses for Business Leaders." [47:53] Origami Risk will return on October 29th with a topic that will be announced soon. [47:58] On November 5th, Riskonnect returns to deliver the session, "Signal Over Noise: Smarter Risk Analytics." [48:05] RIMS Certification Week will be held from September 21st through the 25th. All three webinars are complimentary for all and are available through the Webinars Page on RIMS.org/Webinars. [48:21] Let's Conclude Our Interview with Former RIMS President Janice Ochenkowski! [48:34] Justin says Janice became RIMS President during the housing and mortgage crisis of 2007-2008. Janice says it's something risk managers need to think about. When there is a crisis, you don't step away from it; you step into it. You show leadership.  [49:17] Janice says she was able to help resolve something that was one of the most critical issues at that time. At the beginning, the financial crisis focused on AIG and its vulnerability to bankruptcy, and what that meant to the entire insurance industry. [49:47] Janice says it was really difficult because AIG was a major insurer for almost every large corporation in the U.S. and globally. Suddenly, senior board members were wondering if their claims in process would be paid. Will AIG go bankrupt, and what will happen to those claims? [50:15] They wondered if they should cancel their policies mid-term and underwrite with someone else, and if so, who? What will the financial impact of that be? Boards were coming to risk managers with those questions. Janice had those questions herself. [50:35] Janice says we were totally unprepared to answer them. We didn't have any more information than you were reading in The Wall Street Journal. Janice and the phenomenal RIMS staff put together a series of podcasts, the first of which was in three weeks. [50:59] Janice says they got sponsors and speakers. They contacted experts in various areas and senior executives at the major insurers, including AIG, and insurance brokerages. They were willing to sit and talk to their clients and to be shown as thought leaders in the area. [51:20] Janice says at the time there were 1,000 talking heads saying what should be done, but there were very few facts. You can't form a good risk management response to anything until you have facts; until you have data you can rely on and move forward with. [51:50] Janice says RIMS strove to provide facts. When they did the podcasts, they did not only invite RIMS members. They sent invitations to the C-Suites of major corporations. They told The Wall Street Journal and other business publications they were running these podcasts. [52:06] There was a series of podcasts. People tuned in. They were interested. RIMS established credibility with the information they provided. RIMS gave them tools and told them what to think about and consider, and what the ramifications could be, and let them decide for themselves. [52:55] Janice says that it seemed to be a popular series, and it raised RIMS's profile within the general business community and the C-Suite, even in areas that didn't have dedicated risk managers who reported to the C-Suite. It was one of the most important things RIMS did. [53:25] Janice says, then they went to Congress and talked to them about solvency and more. Also, Janice says they kept in touch with Congressional staff between meetings. The key to relationships on the Hill is meeting with aides. Many move from one Congressperson to another. [53:49] You keep up the relationships, and that gives your organization credibility. You're there consistently. Once an aide called and asked her to help define risk management for a piece of legislation. They had no real idea. She helped them craft something reasonable but not onerous. [55:14] Justin brings up the RIMS Annual Legislative Summit. They have a presence on Capitol Hill every year. It's a two-day or two-and-a-half-day event, so members who attend can get onboarded, know their talking points, and know the issues. Janice elaborates on preparation. [56:15] Janice says the Legislative Summit brought a lot of people from local RIMS chapters into the External Affairs Committee. That was a good pipeline. [56:31] Justin says his experience in 2018, for the reauthorization of the National Flood Insurance Program, was everything Janice mentioned. There was a small card with talking points, there was a rehearsal, coaching from professional lobbyists, and industry leadership. [57:10] Justin says it was a great experience. They met with aides, brought maps, and showed flood zones. They had the talking points down, and it was effective. It was one of the best experiences he could have had as a new RIMS staff member. It was excellent. [57:59] Justin remarks that Janice was the right person for the job. Her experience at Jones Lang LaSalle was terrific. Janice was a lifer. She retired in 2018, after 38 years. [58:46] Janice says risk management has certain basic things, but you have to evolve with the times. You can't resist change; you have to look at change as an opportunity. [59:00] If you're a smart risk manager, you're going to lean your company into that opportunity. Janice says, when people were working in her generation of RIMS, it wasn't unusual to spend a career at one or two companies. There was stability. You didn't need to leave to be promoted. [59:26] Janice became a Partner. When they were incorporated, she became an officer. When she ended her career, she was an Executive Vice President and part of the Global Operating Team, which set strategies for all JLL businesses. They reported directly to the Board. [59:51] Janice says risk management had a fairly high profile. New risk officers may not have that opportunity because the business world is demanding that you move every three to five years to get promoted. [1:00:23] Janice says whatever works for you and your organization and helps you move forward is what your personal strategy needs to be. Janice says, not only those who died in the towers, in the Pentagon, and in the field, but those who walked away with scars, visible and invisible. [1:00:40] Justin takes a moment to address and honor everyone who lost their lives during the 9/11/2001 terrorist attacks, on its 25th anniversary. [1:01:04] Janice speaks of the first responders and volunteers who rushed in to help and walked away with lifelong consequences from the materials that they inhaled. [1:01:19] Janice says, We just need to spend a few minutes on 9/12 remembering them and making sure that the relevance and their sacrifices are noted. [1:01:36] Janice, you've given us so much inspiration, and told us what it took for you to be an effective RIMS President. To anyone thinking about pursuing a leadership role at RIMS, starting out now, what advantages do they have to position them for success as a RIMS leader? [1:02:06] Janice says, the most important benefit that exists today, that didn't when I was starting, is technology. Today we do Zoom calls. Getting together and communicating was much more onerous. [1:02:23] It wasn't as easy to get people from across the country together and work collaboratively. We can do that easily now. People are taking advantage of that. They're using social media to spread ideas. [1:02:41] Janice says her generation struggled with social media. She did it because that's what she had to do. You can't stagnate. You've got to move with the changes as they come and figure out how to use those changes to move yourself forward. [1:02:58] What will technology and AI mean to risk management? What will they mean to RIMS? How is RIMS going to use AI? How is RIMS leadership going to use AI to promote what the important basics of risk management are and can be? Those are things you have to consider. [1:03:18] In order to be an effective leader at RIMS, you have to get the absolute support of your organization. You've got to connect those dots. You've got to show how and why your leadership at RIMS is going to benefit your company. [1:03:42] Telling your leadership you're going to a conference is not going to convince them that there's anything important going on. [1:03:56] The way to convince them is to tell them there's a conference. These are the sessions that they're going to have. This is the speaker they will have. That speaker is someone I think will tell me information about how to address this issue. [1:04:13] This session is about an issue that we faced last year. I want to go and see how others are doing with it. The next step is to come back and write a note telling leaders what you learned in that session. Ask, Can I meet with you to talk about these things I think we can implement? [1:04:42] You're showing that you're taking the information you're learning and using it to improve risk management in your company, and more importantly, the business of the business you are working in. [1:05:00] When Janice was President, she would visit a chapter and ask everybody who's in the insurance industry to raise their hands. They would raise their hands. Then she told them, no, you use the products of the insurance industry, but you are your company's representative. [1:05:51] Janice Ochenkowski, thank you so much for all your time and your insight today. It's such a pleasure to meet you face-to-face, and I hope we get to do that in person at a future RIMS event. [1:06:06] Special thanks again to former RIMS President Janice Ochenkowski for joining us here on RIMScast! This was a lot of fun, and there are plenty of great takeaways about TRIA, RIMS, public speaking, and honoring the victims of the 9/11/2001 terrorist attacks. [1:05:26] It was a real pleasure to meet Janice Ochenkowski, one of our most revered leaders. [1:06:30] Plug Time! Become a RIMS member and get access to the tools, thought leadership, and network you need to succeed. Visit RIMS.org/membership or email membershipdept@RIMS.org for more information. [1:06:48] 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. [1:07:04] For the best reporting on the profession of risk management, read Risk Management Magazine at RMMagazine.com. It is written and published by the best minds in risk management. [1:07:17] Justin Smulison is the Business Content Manager at RIMS. Please remember to subscribe to RIMScast on your favorite podcasting app. You can email us at Content@RIMS.org. [1:07:29] Practice good risk management, stay safe, and thank you again for your continued support!   Links: Spencer Educational Foundation's 2026 Funding Their Future Gala | Sept. 17, 2026 ChicagoLand Risk Forum | Sept. 24, 2026 RIMS Certification Week: Sept. 21‒24 | Complimentary For All RIMS Western Regional Conference — Oct. 4‒7, 2026 | Seattle, WA | Register Today. RIMS Canada Conference — Oct. 18‒21, 2026 | Quebec City | www.rimscanadaconference.ca | Sponsorship Opportunities Available RIMS ERM Conference 2026 | November 19‒20 in Columbus, Ohio | Registration Now Open! | www.rims.org/ERM2026 RISKWORLD 2027 Registration RIMScast Canada — Episodes Now Live — Watch the new video with Sophie Grégoire Trudeau. The Strategic and Enterprise Risk Center RIMS, the Foundation for Risk Management Spencer Educational Foundation — Scholarships and Grants | Open Calls and Timelines. RIMS Now RIMS-Certified Risk Management Professional (RIMS-CRMP) | Insights Video Series Featuring Joe Milan! RIMS Diversity Equity Inclusion Council RIMS-CRMP Stories RISK PAC | RIMS Advocacy RIMScast on YouTube! RIMS Risk Management magazine | Contribute | Q2 2026 Issue Now Available Sponsor RIMScast — Sales@RIMS.org Upcoming RIMS-CRMP Virtual Workshops: Full RIMS-CRMP Prep Course Schedule See the full calendar of RIMS Virtual Workshops   Upcoming RIMS Webinars: RIMS.org/Webinars "RIMS Student Series: Classroom to Career Part 2" | Sept 9 | Complimentary for all "Beyond the Loss Count: What Property Claims Reveal About Frequency, Severity and Resilience" | Sponsored by AXA XL | Sept. 17, 2026 "RIMS Certification Week: Sept. 22‒24" | Complimentary for All "The Future of Captives: What Risk Managers Should Be Thinking About Now" | Sponsored by Brown & Brown | Oct. 1, 2026 "The 2027 Risk Agenda: 10 Engineering Priorities Risk Leaders Should Act on Now" | Sponsored by Global Risk Consultants | Oct. 8, 2026 "Beyond the Horizon: Turning External Risk Into Decision-Ready Insight" | Sponsored by Verisk Maplecroft | Oct. 15, 2026 "Cybercrime, Fraud and AI: Real-World Threats and Practical Defenses for Business Leaders" | Sponsored by Zurich | Oct. 22, 2026 "Signal Over Noise: Smarter Risk Analytics" | Sponsored by Riskonnect | Nov. 5, 2026   Related RIMScast Episodes: "Opening Windows of Tolerance with Sophie Grégoire Trudeau" "When Geopolitics Hits the Balance Sheet with Cari Stinebower" "RIMS Advocacy in 2026 with Mark Prysock"   Sponsored RIMScast Episodes: "48 Hours From a Storm: What to Do Before A Hurricane Strikes" | Sponsored by Global Risk Consultants, a TÜV SÜD Company (New!) "AI-Scale, Risk Ready: Engineering Controls for the New Data Center Boom" | Sponsored by Global Risk Consultants, a TÜV SÜD Company "Facing Into Risk: Navigating the New Risk Landscape" (New!) | Sponsored by AXA XL "Secondary Perils, Major Risks: The New Face of Weather-Related Challenges" | Sponsored by AXA XL "The ART of Risk: Rethinking Risk Through Insight, Design, and Innovation" | Sponsored by Alliant "Mastering ERM: Leveraging Internal and External Risk Factors" | Sponsored by Diligent "Cyberrisk: Preparing Beyond 2025" | Sponsored by Alliant "The New Reality of Risk Engineering: From Code Compliance to Resilience" | Sponsored by AXA XL "Change Management: AI's Role in Loss Control and Property Insurance" | Sponsored by Global Risk Consultants, a TÜV SÜD Company Demystifying Multinational Fronting Insurance Programs | Sponsored by Zurich "Understanding Third-Party Litigation Funding" | Sponsored by Zurich "What Risk Managers Can Learn From School Shootings" | Sponsored by Merrill Herzog "Simplifying the Challenges of OSHA Recordkeeping" | Sponsored by Medcor "How Insurance Builds Resilience Against an Active Assailant Attack" | Sponsored by Merrill Herzog "Third-Party and Cyber Risk Management Tips" | Sponsored by Alliant   RIMS Publications, Content, and Links: RIMS Membership — Whether you are a new member or need to transition, be a part of the global risk management community! RIMS Virtual Workshops On-Demand Webinars RIMS-Certified Risk Management Professional (RIMS-CRMP) RISK PAC | RIMS Advocacy RIMS Strategic & Enterprise Risk Center RIMS-CRMP Stories — Featuring RIMS President Manny Padilla!   RIMS Events, Education, and Services: RIMS Risk Maturity Model®   Sponsor RIMScast: Contact sales@rims.org or pd@rims.org for more information.   Want to Learn More? Keep up with the podcast on RIMS.org, and listen on Spotify and Apple Podcasts.   Have a question or suggestion? Email: Content@rims.org.   Join the Conversation! Follow @RIMSorg on Facebook, Twitter, and LinkedIn.   About our guest: Janice Ochenkowski, Former RIMS President   Special introduction by RIMS CEO Gary LaBranche   Production and engineering provided by Podfly.

Are you more intuitive than you think?I have a psychic medium at my disposal... so obviously I have questions.

Cendrine Sauvenier delivers a channeled Portal To Ascension transmission on timelines, quantum resonance, and choosing which reality you plug into. Speaking as a collective of light beings, she argues that the doomsday scenarios saturating our feeds — zombies, bad aliens, hoarding toilet paper against 5G and demons — are not prophecy but a low-frequency timeline you consciously tune into, and can unplug from. She weaves law-of-attraction mechanics with nervous-system regulation, the ancient "light body," and Shambala-style "spiritual athlete" training, insisting joy itself is the real revolution against a culture that finds happiness "indecent." Weigh her claims as you will — but the most disarming moment isn't about fear at all. It's her insistence that countless souls are right now begging for a body, and that simply being alive is a luxury you chose.

A structural shift in regulatory accountability now places incident notification and liability directly on the operators or deployers of AI-powered and software tools, rather than on technology vendors or model developers. This mechanism is made explicit by the requirements of the EU's Cyber Resilience Act (CRA), Digital Services Act (DSA), and the upcoming Machinery Regulation. Incidents such as the Cursor AI coding agent breach at a Belgian chemical company underline that compliance timelines and regulatory scrutiny target the entity deploying the technology.CrowdStrike and Okta both reported that increased enterprise security spending is being driven by heightened AI-generated attacks, according to their quarterly results. Gartner forecasts AI security spending will reach $4.8 billion by 2027, up 68.7% from this year, with usage control as the most dynamic segment. A public letter signed by over 100 vendors—including OpenAI, Anthropic, AWS, and Microsoft—warns of urgent defensive needs but does not shift responsibility to software suppliers.Recent breaches and vulnerabilities illustrate how accountability remains with the service provider or end-user implementer. The Cursor breach assigned notification duties to AnySphere (the product vendor) and the breached organization, not to upstream model providers. Likewise, after N-able's Passportal bug, MSPs were accountable for client-facing remediation. In each case, the “accountability line” lands on the party deploying the tool.For MSPs and IT service providers, these trends require updating agreements, operations, and client communications. Service structures must prioritize regulatory response timelines, documentation, and clear reporting obligations. Providers serving EU clients, or those linked to global supply chains, will encounter business risk if they do not proactively address these regulatory demands before mandated deadlines.00:00 Prevention Got A New Price 03:25 The Half That Doesn't Move05:50 Where The Call Lands09:27 Why Do We Care? Supported by: Proofpoint GoTo(LogMeIn)

Are you a Canadian married to a U.S. citizen or wondering whether a U.S. citizen can sponsor a Canadian family member? In this episode, we break down marriage-based green cards, consular processing vs. adjustment of status, expected processing timelines, conditional green cards, and which family members U.S. citizens can sponsor. Learn what Canadian-U.S. couples and families should know before starting the U.S. immigration process.   More Info: Family-Based Immigration

Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society.   In this episode, Justin interviews Lawanda "Elle Michell" Hall about working with Spencer Educational Foundation. They discuss experiences outside the classroom, including mentoring, conferences, and responsible communication with industry professionals. They discuss the importance of participating actively in conferences, not just sitting there. Lawanda shares some of the gaps she sees between students' preparation and the readiness employers will expect from them. She explains how coaching can prepare them for entering the risk management workplace. Lawanda encourages RIMS chapters to give the mic to students so they can understand the importance of their voice. Listen for wisdom on listening without judgment and communicating responsibly.   Key Takeaways: [:01] About RIMS and RIMScast. [:16] About this episode of RIMScast. Our guest is Lawanda "Elle Michell" Hall. She is a risk management student mentor. She is going to talk about how she is helping to guide the next generation of risk management professionals. But first… [:45] RIMS-CRMP! RIMS Certification Week will be held from September 21st through the 25th. A link to the week's events is on this episode's show notes, including three free webinars. The week is a global celebration of the RIMS Certified Risk Management Professional certification. [1:02] It is a virtual event for you to learn about the certification, how it can strengthen your career and organization, and understand how the RIMS-CRMP is helping shape the future of risk management. A link to Certification Week is in the show notes, or find it at RIMS.org/Webinars. [1:20] On September 9th, the Classroom to Career series concludes. Join experienced risk professionals for an engaging discussion about what it's like to build a career in the field of risk management. This session is complimentary for members and nonmembers. [1:38] Webinars: On September 17th, AXA XL returns to present the session, "Beyond the Loss Count: What Property Claims Reveal About Frequency, Severity, and Resilience." [1:49] On October 1st, Brown and Brown will make their RIMS Webinar debut with "The Future of Captives: What Risk Managers Should Think About Now." [2:00] Global Risk Consultants will return on October 8th. Their topic will be announced soon. [2:06] On October 15th, Verisk Maplecroft will lead the session, "Beyond the Horizon: Turning External Risk Into Decision-Ready Insight." [2:15] Origami Risk will return on October 29th with a topic that will be announced soon. [2:20] On November 5th, Riskonnect returns to deliver the session, "Signal Over Noise: Smarter Risk Analytics." Visit RIMS.org/Webinars to register. [2:30] RIMS is back on YouTube. Our handle is @RIMSOfficialChannel. We've got plenty of videos there, including RIMScast, RIMScast Canada video podcasts, and other informative and entertaining content from RIMS. Subscribe to the channel today! [2:48] The Spencer Educational Foundation's Funding Their Future Gala will be held on September 17th at the newly renovated Waldorf Astoria in New York City. Visit SpencerEd.org and the link in this episode's show notes.  [3:05] On with the Show! I mentioned Spencer just now because one of our favorite Risk Managers on Campus is rejoining us here on RIMScast. I'm talking about Lawanda "Elle Michell" Hall. She is the CEO of Intelligent Intentions. [3:21] We will talk about the habits, mindsets, and professional skills that are consistently distinguishing students who are making lasting impressions on recruiters and hiring managers, from those who need to sharpen their skills. [3:34] Also, some of the trends she is seeing among risk students, habits that they need to develop, and some that they need to break. We're going to have a lot of fun! Let's get to it! [3:44] Interview! Lawanda "Elle Michell" Hall, welcome back to RIMScast! [4:09] Lawanda says students preparing for a risk career need a menu of options. The next step would be aligning their appetite to the options, having the courage to create something that may not be on the menu, and having the courage to ask for off-menu options. [4:31] Lawanda says, as we navigate this industry, emerging technologies, and emerging risks, wrapping our minds around companies that don't exist yet and may come to exist, students look to the future, understanding that sometimes the options are not yet on the menu. [4:57] Lawanda encourages them to keep an open mind, keep a creative posture, and have the courage to ask, what are they not seeing on the menu that could also be an option, or how they can co-create an option aligned with their interests but also what the industry needs from them. [5:45] Lawanda and Justin agree that it is a heavy lift for students. Lawanda says students nowadays have such a broad reference that we didn't have, and that puts them in the position to be more creative and thoughtful about the future. [5:57] Lawanda says, tech change is happening much more rapidly for students than it did for us. That gives them a different posture for looking into the future. There's new technology every year. Lawanda says, we didn't replace our cell phones every year. We didn't have cell phones. [6:21] When we got cell phones, we weren't replacing them every year. Now, students are almost expected to update their technology annually. That's indicative of how they feel about the future, changes, and evolution. They have an accelerated understanding of the possibility of change.  [6:40] Lawanda says social media plays into it, where everybody has the latest and the greatest, and they think that they need to have the most updated thing. Lawanda says she gets anxious every time there's an update. Will she have to figure it out all over again? Chances are, yes. [7:43] Lawanda says students embrace that change. They look forward to it, and they expect it. That gives them a different mindset around forward thinking. [8:05] For experiential learning, Lawanda recommends coaching, attending conferences, and making sure students understand responsible communication with industry professionals. If you're not responsible and thoughtful about how you communicate, it can backfire. [8:24] Lawanda says she coaches students before conferences. She helps them understand how to maximize that moment, and not just be sitting there or standing there like a wallflower. She wants them to maximize the moment in whatever way they can. [8:43] Lawanda does coaching. She makes sure they attend conferences, not just the big ones, but also local events that are hosted by professional organizations, including RIMS. Students need coaching, conferences, and responsible communication with industry professionals. [9:18] Justin comments that attending a large conference and speaking to people takes a certain degree of confidence. Justin asks if being in school during COVID prevented young people from picking up social cues and networking cues. [10:00] Lawanda thinks that young people's social connections were declining before COVID due to social media. Students aren't communicating with each other. They text or use social media as armor to make them feel more comfortable and confident in their communication.  [10:22] Face-to-face interaction is awkward because they don't practice it amongst themselves or amongst the community. Lawanda says COVID amplified it, but it wasn't the beginning or the cause of it. [10:38] Social media continues to create that challenge because students are comfortable on their phones and engaging in that space. When students show up, the confidence and courage don't translate from social media to the real world. [11:01] Lawanda says students need to understand social etiquette and multi-generational communication and connection, the things we were taught because we didn't have a phone: you have to make eye contact, speak up so people can hear you; things we take for granted. [12:11] Lawanda says she's very curious. She is intrigued by students, and she listens to them. She wants to hear what they have to say. She doesn't have to agree. She doesn't sit in a place of judgment or offense. If you don't listen to them, they are not willing to listen to you. [12:46] From listening to students, Lawanda gains an understanding of their language so she can use their language to talk to them. It also shows her where their deficiencies are, so she can fill those gaps and help them understand how to take the next step toward their objectives. [13:19] A Quick Break! Many fantastic RIMS events are coming up in 2026. The 11th Annual Chicagoland Risk Forum will return to the Old Post Office on Thursday, September 24th, 2026. Visit ChicagolandRiskForum.org for more information. [13:34] The RIMS Western Regional Conference will be held from October 4th through the 7th in Seattle, Washington. The agenda is live, and registration is open. Visit RIMSWesternRegional.com and the link in this episode's show notes for more information. [13:51] Save the dates: October 18th through the 21st. In Quebec City, we will be hosting the 50th Annual RIMS Canada Conference. Booth sales are open, and sponsorship opportunities are still available. Visit RIMSCanadaConference.ca for more information. [14:08] Also, remember to check out RIMS.org/Canada for our spinoff show, RIMScast Canada, hosted by National Conference Committee Chair, Aaron Lukoni. [14:19] The RIMS ERM Conference 2026 will be held on November 19th and 20th in Columbus, Ohio. Registration is open. Visit RIMS.org/ERM2026. [14:32] We're already looking to RISKWORLD 2027, which will be held over four days in New Orleans, Louisiana, from April 18th through the 21st! [14:42] RIMS members can exclusively register by September 4th for the best rate. And get first access to the hotel block. Hotel reservations open on October 28th, ahead of public registration. Sitting this out is the real risk! The link to registration is in this episode's show notes. [15:02] Let's Return to Our Interview with Lawanda Hall! [15:19] When Lawanda works with students, she starts with the end in mind. What are their objectives? What are they trying to accomplish? This generation is very focused on getting things done. They're go-getters. Impact and results are what propel them. [15:37] They may be stopped, like any human being, by not having the confidence or by fear of what people will think. Lawanda starts with the end in mind by focusing on getting it done. She coaches them through the process and gives them the benefit of her perspective. [15:53] Lawanda reminds them that everybody they talk to are human beings, too. They're imperfect human beings. She tells them, they're here to listen to you because you have a perspective they're interested in. It's going to work out. It's a conversation. You're not on trial. [16:14] Just think about the objective and keep it in mind to push through. [16:49] Lawanda says students want immediate impact, as far as the next step or thing, and instant feedback, but not necessarily instant completion. If they have a big goal, or big things to accomplish, it's not going to happen in a moment. [17:09] They want instant feedback. They don't want to be told they will figure it out later. Do they follow up? They want to know that this step is complete to get ready to go to the next step. Lawanda says that is realistic, and it accelerates what they're trying to accomplish.  [17:36] Justin says that his daughter zones out over context when she asks for help with her homework. She just wants the instant answer. That's the future workforce of the industry. [18:23] Lawanda says the students don't value context as much as earlier generations. Our responsibility as a generation is to help them learn how to think. Critical thinking is a dying art. Lawanda challenges them on how to think things through. [18:42] If they ask a question, Lawanda may ask them another question to help them think through it, and walk them through the thinking process, versus just giving them an answer. Also, she may use a reference that they have in their world. [19:03] Lawanda has godchildren who are young enough to keep her fresh with what's popular. Lawanda likes to use a reference that's familiar to students, to pull them into the thinking game; thinking through a process. Just asking and getting the answer is not transformative. [19:36] Justin says we don't want them always asking their phones for the answers. Lawanda says that flattens their thinking. It's important that we call them up to be critical thinkers. [19:50] One More Quick Break! The Spencer Educational Foundation's Funding Their Future Gala 2026 will be held on September 17th in New York City at the Waldorf Astoria. This year's honorees are two of our recent guests, Sierra Signorelli of Zurich and Marya Propis of RT Specialty. [20:14] A link to the Gala is in this episode's show notes. [20:18] The Spencer Educational Foundation's Internship Grant applications opened on August 15th and will close on October 15th. A link to the Internship Grants page is in this episode's show notes. Visit SpencerEd.org for more information. [20:39] Let's Conclude Our Interview with Lawanda Hall! [21:16] Lawanda says there is a communication gap between generations. That's not new. Every generation has that gap of understanding, based on where they sit. The socio-emotional gap is new and growing, created partly by the helicopter parenting, everybody-gets-a-trophy approach. [21:42] Lawanda says people who are entering the workforce are looking to work and contribute to make a living. People who are hiring are looking for that, too. They're looking for a good work ethic. The disconnect is in the how. The work they do hasn't changed as much as how they do it. [22:09] Lawanda has heard of people bringing their parents to work to advocate on their behalf because they don't have the courage to have the conversation with their boss. She has heard of this generation bringing their parents into interviews, because they're not sure what to do. [22:50] Lawanda leans into her curiosity and asks, How did we get here? Why are students not courageous enough or able to do these things on their own in their early 20s? She has questions of parents and questions of students, and the educational institutions? What are we not doing? [23:21] Lawanda says we have co-created this. We can't just put it on the students. They didn't raise themselves. They're not in a silo. We have to look at the entire environment and ask, Who contributed, how, and why? [23:40] Lawanda continues, Why are we here where we don't have adults who have the courage to show up in the way that they have in generations past? Justin displays his shock at the scenario. Lawanda doesn't know if the parents volunteer or if the students ask them to go. [24:39] Lawanda wants to examine that construct and ask what's going on here. Parents have gone from coaching to coddling. Lawanda says that's a big contributor to students' inability to sit as an adult with other adults, have courageous conversations, and show up with confidence. [25:08] Lawanda says if she had asked one of her parents to go to an interview with her, they would have laughed and told her she was crazy. They would not have entertained that. Why are parents doing it? These children did not raise themselves. [25:24] Lawanda says coaching is very important. When she coaches students for an hour, she can see the shift in their understanding. They're getting information, agency, and authority over their being that they didn't have before she talked to them. [25:40] Lawanda says, for some reason, there are parents who are not handing over agency and authority to students at the time that they need to, so you have 25- and 30-year-old teenagers who don't understand how to adult in the workforce. That is a big disconnect. [26:05] Lawanda says students are smart and capable of doing the work. How they show up for work, and the socio-emotional disconnect, is one of the biggest challenges for this generation of students and employees. It feels like babysitting. A business is not a day-care. [26:29] Lawanda says, you want them to come in, do work, and contribute, without having to feel like you need a whole team of Social Workers in HR to make sure that employees are OK. That's counterproductive and antithetical to adulting and what you expect from an adult. [27:35] Lawanda says judgment and criticism create more distance. Our goal is not to create more distance, but to close the gap, embrace them, bring them forward, and call them up into their power, into their authority, and hand over the agency to them, so that they understand. [27:48] It's not that they can't do it. They haven't been given permission to do it. They lack social opportunities in their everyday life, the things we took for granted, like going outside and playing kickball and hanging out with other kids. [28:06] You learn so much in that space. Your confidence grows, your courage grows, your problem-solving skills, and your thinking skills; all these things are taking place. These students aren't getting that. [28:17] They're in their room on their phones, scrolling, hearing opinions, giving opinions, being judged, judging, and not socializing. Justin says, it's all noise; it's not constructive. There's a difference between controlled chaos and chaos. Justin will not sit in on his kid's job interviews. [28:40] Lawanda says it starts before job interviews. At some point, you hand over the agency and say, you handle that on your own and then come back and tell me how it worked out. If you need me to come, I will, but you do it first, and let's see how it works out. [29:27] In restaurants, Justin makes sure that his children deal with the server. They hear and speak, and they know what they want. He doesn't speak for them. [29:43] Lawanda says that when you speak for your children forever, you never hand them their agency. You teach them that their voice is not valuable, that their voice doesn't matter, and that they don't have to think or speak up for themselves. That's not healthy evolution. [30:40] Lawanda says Spencer Educational Foundation is amazing. They do more than write checks. They embrace experiences for students. They give them opportunities to engage in industry exposure. They are great at holding folks accountable for how they spend the money. [31:08] Spencer Educational Foundation makes sure their dollars have wings, that evolution and growth are happening, and whatever the intention is for the money, that it is happening within the organizations and institutions they support. [31:26] Lawanda says this creates accountability and an environment of respect, generation after generation. Lawanda is happy to be part of the Spencer family. She also encourages others to be part of the Spencer family. [31:51] Lawanda says Spencer Educational Foundation is a place that operates with amazing integrity; she knows it will be around for a long time, just based on how they do business; not just what they do, but also how they do it. [32:07] Lawanda says, Spencer Educational Foundation is a beautiful investment of not just dollars, but also understanding, and a beautiful culture of accountability. [32:24] Lawanda is in Atlanta, Georgia. Justin mentions that RIMS has a very active chapter in Atlanta. Justin asks Lawanda what she would hope every RIMS chapter listening today would do to better support students and strengthen the next generation of risk professionals,  [32:48] Lawanda says, it's simple, but it's a big impact: Give the mic to the students. Lawanda has been in RIMS since she was in college. One thing the Atlanta chapter did was to have a session where students would do a case study on a topic and present it to the professionals. [33:12] Lawanda says every year, students had an opportunity to present their case study. When Lawanda was in school, they presented on TRIA because it was new. The professionals wanted to know more about it, so the students worked with professors to understand it and prepare it. [34:01] Lawanda says, We were able to present that to them and add value to their experiences, and also add a tremendous amount of confidence that encouraged the students to know they were valuable to the professionals, and the professionals were valuable to the students. [34:14] Lawanda says we have to be open to allowing ourselves to learn from the students and value their voice. When we value their voice, it calls them to understand the importance of their voice and having agency over their voice. That's one thing chapters can do to help students. [34:54] Justin is glad Lawanda brought up the Terrorism Risk Insurance Act (TRIA), because next week's guest is former RIMS President Janice Ochenkowski, who was instrumental in helping Congress understand the importance of TRIA in its earliest stages. [35:08] Next week we are going to commemorate the 25th anniversary of the September 11th  terrorist attacks, here on RIMScast with her. [35:22] Lawanda says in 25 years, she went from being mentored to being a mentor; Impact does not come in a one-size-fits-all package. You can have impact in a five-minute conversation and give them the opportunity to learn from your missteps or your mistakes in the industry. [35:50] You can have a longer relationship as a mentor, where you do check-ins and touchpoints, and kind of coach and cultivate, and help someone to understand what their possibilities are in different segments of their career. [36:08] Lawanda says she has understood that just because things are packaged a certain way doesn't mean that's the only packaging it can exist in. Micromentoring is valuable because not everyone has the capacity to take on a mentor for a year or six months. [36:34] Lawanda says if you encounter somebody, and spend three to five minutes with them, and give them the benefit of a lesson that you've learned, it can be a seed that will blossom beautifully along the way. Understand that impact exists in a variety of packages. [36:56] Justin says, It has been such a delight to see you! I hope to see you again at RISKWORLD 2027 in New Orleans. Lawanda says she loves New Orleans and looks forward to being in that space for some good, productive meetings, and some really good food. [37:24] Lawanda, we appreciate all you do for our next generation of risk professionals. Your affiliation with Spencer is always valued. I look forward to seeing you in April! [37:50] Special thanks again to Lawanda Hall for joining us here on RIMScast! A link to her prior RIMScast appearance is in this episode's show notes. She is one of our esteemed Risk Managers on Campus through the Spencer Educational Foundation's program. [38:05] The deadline for the Spencer Educational Foundation's Risk Manager on Campus Grant has passed, but I've put up a link so you can plan for 2027. [38:13] Plug Time! Become a RIMS member and get access to the tools, thought leadership, and network you need to succeed. Visit RIMS.org/membership or email membershipdept@RIMS.org for more information. [38:31] 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. [38:47] 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. [39:01] 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. [39:13] Practice good risk management, stay safe, and thank you again for your continued support!   Links: "RIMS Student Series: Classroom to Career Part 1" | Sept 1 | Complimentary for all "RIMS Student Series: Classroom to Career Part 2" | Sept 9 | Complimentary for all Spencer Educational Foundation's 2026 Funding Their Future Gala | Sept. 17, 2026 ChicagoLand Risk Forum | Sept. 24, 2026 RIMS Certification Week: Sept. 21‒24 | Complimentary For All RIMS Western Regional Conference — Oct. 4‒7, 2026 | Seattle, WA | Register Today. RIMS Canada Conference — Oct. 18‒21, 2026 | Quebec City | www.rimscanadaconference.ca | Sponsorship Opportunities Available RIMS ERM Conference 2026 | November 19‒20 in Columbus, Ohio | Registration Now Open! | www.rims.org/ERM2026 | RISKWORLD 2027 Registration | RIMS members can lock in 2026 rates now through Sept. 4 RIMScast Canada — Episodes Now Live — Watch the new video with Sophie Grégoire Trudeau. The Strategic and Enterprise Risk Center RIMS, the Foundation for Risk Management Spencer Educational Foundation — Scholarships and Grants | Open Calls and Timelines. RIMS Now RIMS-Certified Risk Management Professional (RIMS-CRMP) | Insights Video Series Featuring Joe Milan! RIMS Diversity Equity Inclusion Council RIMS-CRMP Stories RISK PAC | RIMS Advocacy RIMScast on YouTube! RIMS Risk Management Magazine | Contribute | Q2 2026 Issue Now Available Sponsor RIMScast — Sales@RIMS.org Lawanda "Elle Michell" Hall — Intelligent Intentions Upcoming RIMS-CRMP Virtual Workshops: Full RIMS-CRMP Prep Course Schedule See the full calendar of RIMS Virtual Workshops   Upcoming RIMS Webinars: RIMS.org/Webinars "Beyond the Loss Count: What Property Claims Reveal About Frequency, Severity and Resilience" | Sponsored by AXA XL | Sept. 17, 2026 RIMS Certification Week: Sept. 22-24 | Complimentary For All "The Future of Captives: What Risk Managers Should Be Thinking About Now" | Sponsored by Brown & Brown | Oct. 1, 2026 "Beyond the Horizon: Turning External Risk Into Decision-Ready Insight" | Sponsored by Verisk Maplecroft | Oct. 15, 2026 "Signal Over Noise: Smarter Risk Analytics" | Sponsored by Riskonnect | Nov. 5, 2026   Related RIMScast Episodes: "Opening Windows of Tolerance with Sophie Grégoire Trudeau" "Choosing the Challenge with Johnell Holly" "A Menu of Risk Options with Elle Michell Hall" (2023)   Sponsored RIMScast Episodes: "48 Hours From a Storm: What to Do Before a Hurricane Strikes" | Sponsored by Global Risk Consultants, a TÜV SÜD Company (New!) 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RIMS Virtual Workshops On-Demand Webinars RIMS-Certified Risk Management Professional (RIMS-CRMP) RISK PAC | RIMS Advocacy RIMS Strategic & Enterprise Risk Center RIMS-CRMP Stories — Featuring RIMS President Manny Padilla!   RIMS Events, Education, and Services: RIMS Risk Maturity Model®   Sponsor RIMScast: Contact sales@rims.org or pd@rims.org for more information.   Want to Learn More? Keep up with the podcast on RIMS.org, and listen on Spotify and Apple Podcasts.   Have a question or suggestion? Email: Content@rims.org.   Join the Conversation! Follow @RIMSorg on Facebook, Twitter, and LinkedIn.   About our guest: Lawanda "Elle Michell" Hall, CEO, Intelligent Intentions Risk Manager on Campus   Production and engineering provided by Podfly.

Send us Fan MailSusan and Morgan explore how NLP timelines shape the way we remember the past, experience the present, and build the future. We also guide a simple timeline exercise that helps us step into a future outcome, send messages across time, and think clearly about legacy. • why timelines show up across NLP as a core concept rather than a single technique • how submodalities code time and help us know what was “yesterday” versus “years ago” • common timeline layouts including front-back, left-right, and spirals plus cultural differences • quick experiments with time sense including the two and a half minute test and “how big is now” • how perspective questions reduce emotional intensity over time and change meaning • using future pacing to clarify outcomes versus measurable goals • walking the timeline with observer position, association, and dissociation • imagining legacy and using future self messaging for resources and direction Please email me at susan@nlptrainingconcept.com for additional information on timelines, specific classes,  or to register for a class. You can also register through my website. Subscribe to our show on Spotify, Apple, Buzzsprout, or your favorite listening platform to keep up with our newest episode. Be sure to visit our website, www.nlptrainingconcepts.com, and find us on Facebook, LinkedIn, and X by searching NLP Training Concepts to keep up with free resources, upcoming training, and fantastic content.Support the show

Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society.   In this episode, Justin interviews Cari Stinebower about sanctions as an enterprise risk management issue. They discuss the holistic view of the maritime space and enterprise risk. They cover aspects of the Terrorism Risk Insurance Act (TRIA) and how insurance companies, brokers, and reinsurers work with the U.S. Government to mitigate terrorism risk.   Listen for advice on keeping your organization compliant with respect to sanctions and terrorism risk.   Key Takeaways: [:01] About RIMS and RIMScast. [:16] About this episode of RIMScast. We will discuss geopolitical risk, sanctions, and TRIA with Cari Stinebower, a partner in the Washington, D.C. office of Steptoe. But first… [:42] RIMS-CRMP Virtual Workshops. RIMS will partner with PARIMA for the RIMS-CRMP on September 1st and 2nd for a two-day virtual workshop. Registration links are in this episode's show notes. [:55] Also on the webinars page, you will see a two-part series hosted by the RIMS Membership Department. The "Classroom to Career" webinar series highlights how RIMS equips students with the knowledge, skills, and connections needed to thrive in risk management careers. [1:10] Participants will gain insights into industry trends, career pathways, and practical tools that help them confidently step into the evolving world of risk management after graduation. These sessions will be hosted on September 1st and 9th. [1:24] These sessions are member exclusives and are complimentary for RIMS members, of course. So, if you are interested in becoming a member, this would be the time. Visit RIMS.org/membership. [1:34] Webinars: On September 17th, AXA XL returns to present the session, "Beyond the Loss Count: What Property Claims Reveal About Frequency, Severity, and Resilience." [1:46] On October 1st, Brown and Brown will make their RIMS Webinar debut with "The Future of Captives: What Risk Managers Should Think About Now." Visit RIMS.org/Webinars to register. [1:59] RIMS is back on YouTube. Our handle is @RIMSOfficialChannel. We've got plenty of videos there, including RIMScast, RIMScast Canada video podcasts, and other informative and entertaining content from RIMS. Subscribe to the channel today! [2:17] On with the Show! Our guest today is Cari Stinebower. She is a partner at Steptoe in Washington, D.C., and a former U.S. Department of the Treasury and Office of Foreign Assets Control (OFAC) Attorney-Adviser. [2:32] Cari focuses her practice on regulatory risk where U.S. National Security and Foreign Policy objectives intersect with cross-border business. [2:39] We will talk about fraud, money laundering detection, and cybersecurity, and how this can be connected to the Terrorism Risk Insurance Act (TRIA). [2:50] We'll also talk about how international sanctions can impact any organization, and why risk managers should be strategizing now, if they haven't already. There is so much to discuss!  Let's get to it! [3:04] Interview! Cari Stinebower, welcome to RIMScast! [3:24] Cari says she was at OFAC at an interesting time. She came in after a Hill job doing the campaign finance cleanup for the Democrats for three years, from 1996 to 1999. [3:38] Cari says that OFAC sank their teeth into anti-money laundering and the detection of fraud and corruption. When Cari joined Treasury as an analyst within OFAC, they slotted her into a position focused on counter-narcotics work, and also on the Milošević tribunal. [4:03] Cari says there was lots of work to do and not enough staff to do it. Everyone ot OFAC had then, and still has, multiple portfolios. Cari was splitting between Milošević and counter-narcotics work. [4:20] Cari says she spent a lot of time in Colombia working with banks and the Colombian government on anti-money laundering, focused on the cartels. The drug dealers were very sophisticated and were spectacular at establishing front companies and money laundering. [4:54] Cari says it was a very good lesson for what was to come through the counter-terrorism work. The Colombian narcotics traffickers and their front companies were light-years ahead on money laundering techniques and sanctions evasion. [5:44] Cari says in Colombia, at that time, the narcotics traffickers were excellent businessmen. It was such a lucrative career that they had to find ways to wash the cash. They were buying agricultural businesses, tourism businesses, pharmacies; anything they could to launder cash. [6:18] Cari says they could have been fabulous businessmen if they had gone legitimate. She says some of them tried. [6:32] Cari says 9/11 happened, so the world changed overnight. Cari switched from a counter-narcotics focus to a counter-terrorism focus. [6:44] They started chasing the money. Who was the source of the funds? Where was it going? Which financial institutions were involved? Were they doing it knowingly? Were they being used by governments? Were they being used by "charities"? How is it flowing? [7:03] Cari says that became her focus at OFAC for the next five years after 0/11, before she hopped into the private sector. [7:39] Justin asks about sanctions against nations. Cari says the old way Treasury used to do sanctions was by jurisdiction. A jurisdiction would be identified as prohibited, off-limits for U.S persons, meaning individuals and entities. [8:01] Any funds, transactions, or contracts that came into the possession or control of the U.S. person or entity would, by operation of law, be blocked or frozen; the title remained with the sanctioned party, but the U.S. person or entity had to freeze it and report it to the Treasury. [6:26] The original sanctions on Iran were jurisdictional, based on the government, based on persons located within the jurisdiction of Iran. The Department of the Treasury was aggressive in pursuing enforcement actions. [8:44] Financial institutions were sanctioned with multi-million-dollar penalties. The world started to voluntarily comply. It was U.S. driven initially, but European financial institutions and some of the Emirati financial institutions got on board and complied with the sanctions. [9:20] The Departments of the Treasury and Justice used a clause within the underlying statute for the Iran sanctions that allowed penalties to be imposed on non-U.S. financial institutions that were causing a U.S. bank to process transactions on behalf of the sanctioned party. [9:43] That was the line of the European banking cases that came out. Cari says banks were penalized from 2005 through 2015, which pretty much swept in everyone. [9:56] That was the modern buildout of the compliance program where the U.S. established it was applying its sanctions requirements not only to U.S. persons but to non-US. persons where they could also identify a nexus. [10:12] The favorite nexus was the use of U.S. dollars through the clearing system. Sanctions exploded. It was identifying ways to reach non-U.S. parties through the use of dollars, servers located in the U.S., call centers, approvals, or whatever they could, as a hook to get U.S. nexus. [10:51] Justin asks about sanctions against Russia, Iran, and North Korea. Cari says North Korea has sort of fallen off. There's a big focus on North Korea's use of forced labor. They've also been active in cyberspace and ransomware. [11:20] Cari says we don't see North Korea as often as we see Iran, Russia, and, to a certain degree, Cuba. It depends on the administration. For a while, Venezuela was really hot, from an anti-corruption, anti-money-laundering perspective, rather than a sanctioned invasion. [11:46] Justin speaks of the latest AML bill, passed in 2023. Cari says the big overhaul was under the Patriot Act, which updated and modernized the Bank Secrecy Act. It also updated and modernized the International Emergency Economic Powers Act (IEEPA), OPEC's big statute. [12:09] Cari says there have been updates since. When you hear M&A partners or private equity guys talking, they often refer back to the Patriot Act. The Patriot Act becomes this overarching term for updates to the AML laws and regulations. [12:48] Cari says there has been a growing evolution of the anti-corruption, anti-bribery statutes, the anti-money-laundering statutes, the sanctions world, and the adjacents like the whistleblower protections and the Terrorism Risk Insurance Act. [13:09] Cari says all of these components are part of this growing collective focus on upgrading U.S. Government abilities to protect against threats to national security and the economy. [13:32] Justin says risk managers are accustomed to thinking about operational and financial risks, but sanctions can feel like a legal issue. Part of the problem is you may have a legal officer who is not a risk manager or a risk manager who is not a legal officer. [13:48] Justin asks, When should sanctions become an Enterprise Risk Management issue? Cari says, looking at OFAC's enforcement actions, sanctions should always be an Enterprise Risk Management focus. [14:04] It's very easy for the bad guys to take advantage of a business if it's siloed. The easiest way to detect a problem, whether it's financial sanctions evasion or exposure to corruption, is if the enterprise is looking holistically at its business, its counterparties, and its transactions. [14:26] Cari says, when we're working with clients on building a global compliance policy or procedure, we keep telling them that it's better to have a holistic view of the business, customers, and geography. [14:43] Not only geographic risk, customer risk, or service risk, but also across the regulatory schemes. If you have sanctions exposure somewhere in your enterprise, you're also likely going to have an anti-money-laundering issue, a corruption issue, and/or an export controls issue.  [15:06] Cari says when you're building out compliance, you want to have a 1,000-foot view of the business units, your customers, your geographies, and the regulatory components, so that you can take advantage of what you may be seeing in one area. It's silos that cause the problems. [15:26] A Quick Break! Many fantastic RIMS events are coming up in 2026. The 11th Annual Chicagoland Risk Forum will return to the Old Post Office on Thursday, September 24th, 2026. Visit ChicagolandRiskForum.org for more information. [15:42] The RIMS Western Regional Conference will be held from October 4th through the 7th in Seattle, Washington. The agenda is live, and registration is open. Visit RIMSWesternRegional.com and the link in this episode's show notes for more information. [15:59] Save the dates: October 18th through the 21st. In Quebec City, we will be hosting the 50th Annual RIMS Canada Conference. Booth sales are open, and sponsorship opportunities are still available. Visit RIMSCanadaConference.ca for more information. [16:16] Also, remember to check out RIMS.org/Canada for our spinoff show, RIMScast Canada, hosted by National Conference Committee Chair, Aaron Lukoni. [16:27] The RIMS ERM Conference 2026 will be held on November 19th and 20th in Columbus, Ohio. Registration is open. Visit RIMS.org/ERM2026. [16:40] We're already looking to RISKWORLD 2027, which will be held over four days in New Orleans, Louisiana, from April 18th through the 21st! [16:50] RIMS members can exclusively register by September 4th for the best rate. And get first access to the hotel block. Hotel reservations open on October 28th, ahead of public registration. Sitting this out is the real risk! The link to registration is in this episode's show notes. [17:10] Let's Return to Our Interview with Cari Stinebower! [17:26] Cari says an example of sanctions risk is Iranian oil or Venezuelan oil. Typically, the pattern is you have a Greek shipment manager under charter to deliver oil and gas to China.  The Bill of Lading says the cargo is of Omani origin or Malaysian blend. [18:08] It looks clean. They have all the sanctions exclusions language in the Charter Agreement; the insurers, the reinsurers, and the P&I quotes have all established that the vessel cannot carry Iranian cargo. The documents say it's Omani or Malaysian, and off you go. [18:28] Then you get a call from the U.S. State Department or the Treasury Department saying you've got Iranian cargo on board. The U.S. Government typically knows that because they're using satellite tracking software. They know that the cargo was loaded by ship-to-ship transfer. [18:58] If you go back through the satellite imagery, you can see that it's happened probably two or three times, and when the vessel called on the Omani port that was supposed to be the source of the cargo, it came in at the same draft as it left. Calling on the port was clearly a ruse. [19:34] When you get to the financial payments, that's where you have the money laundering side, and you can see that the Omani seller of the cargo is just a front company with a brand new website, secretly run by the Revolutionary Guard. [19:56] Cari says that when we start talking about the compliance policies and procedures, it's not good enough just to rely on the Bill of Lading. The expectation is that you're going to be doing something a little deeper. [20:11] In 2019, the Department of Justice started to pursue a lot of ship owners and ship managers for carrying Iranian cargo. Sometimes it was Iranian cargo going to Venezuela or going to China. [20:32] In a decent batch of those cases, the ship owners or ship managers would be contacted by the U.S. Government and agree that the Government was right and ask what they could do not to get sanctioned. [20:51] Cari says there were a series of cases where the ships were brought to the U.S. and the cargo was sold by the U.S. Government, with the proceeds going to the Victims of Terrorism Fund, for parties who registered with the Special Master and were entitled to a pro rata share. [21:20] That was the U.S. Government's solution to what to do with all this cargo that they can seize, and they had been seizing, under the Foreign Terrorist Organization Statute. We're now seeing the same focus on the narcotics trafficking cartels in Mexico, Brazil, and Venezuela. [21:46] Cari says, You see the evolution of the U.S. Government's thinking over the years, how the Iranian oil cases are now relevant to countering narcotics trafficking caused by the cartels in South America. [22:00] Justin asks about supply chain risk and sanctions-related risks companies may overlook when they evaluate suppliers. Cari says the supply chain, particularly when you're dealing with raw materials or manufacturers coming out of China, has been an issue for a long time. [22:29] Cari says it's not difficult for a U.S. importer who's bringing in parts and components for widgets to know that their manufacturer or warehouse in China is who they say they are. That's easy enough. [22:48] Where we see issues is when the Chinese manufacturer subcontracts to second or third parties, who ostensibly are also compliant, but it becomes difficult in a more opaque jurisdiction like China to do the tracing down to the actual mine or source of the raw materials. [23:14] That leads up to the Uyghur Forced Labor Prevention Act (UFLPA), which has forced companies to look at supply chains where there's a Chinese component, for several years. [23:31] Where are the raw materials coming from? Do you know where all of the raw materials are coming from, or do you just know where some are? Under the UFLPA, companies were particularly focused on identifying those risks in China. [23:50] Cari says, under the first Trump Administration, and under the Biden Administration, you started to see a lot of companies moving away from sole-sourcing goods from China, specifically because of that risk. [24:02] The National Drug Control Strategy Report that came out in May 2026 is digging deep into supply chain issues. [24:13] It says two things: first, that the U.S. Government needs to act as a whole. The Departments of Justice, Treasury, and Homeland Security need to work together on tackling supply chain issues and addressing where the gaps are. [24:35] Supply chains are being exploited, not only by narcotics traffickers, but across the board. [24:41] The report is also telling businesses that it's not enough to have an OFAC sanctions compliance program where you screen your counterparties against the SDN list. [24:54] There's an expectation for businesses to go deeper, using analytics and AI, looking at their records, and knowing who the suppliers of their suppliers are. [25:17] The expectation is for businesses to step up their game, but also for the U.S. Government to partner with businesses to figure out how to do that. [25:35] Cari says we've also been telling other jurisdictions, like those in the Caribbean and South America, that this is a really good opportunity. [26:44] The first Trump Administration, the Biden Administration, and the second Trump Administration have said to stop sole-sourcing in China. Let's near-shore and friend-shore, and let's bring business and infrastructure back to the Western Hemisphere. [26:00] Cari says we're starting to see jurisdictions offer tax incentives for setting up manufacturing spaces, or finding ways to invest in the United States to bring back manufacturing. [26:14] Cari says the big issue of late has been how to bring shipbuilding back to the United States. Is there a way to do it in Latin America without relying on China as the major shipyard? [26:29] Those issues are interesting because they trigger a series of other questions: cost of labor, sourcing raw materials, and more. It's a longer-term problem. If you're building out your supply chain nose-to-tail, it's going to require a more transparent jurisdiction than China. [26:52] One more Quick Break! RIMS, The Foundation for Risk ManagementTM, is dedicated to shaping the future of the profession. By making a contribution, you are strengthening the global risk management community and investing in the future of the industry. [27:11] The Foundation also supports the Spencer Educational Foundation but has a different mission. The Foundation focuses on providing opportunities for those professionals who have already decided to enter risk management and are just getting started. [27:26] You can learn more about the Foundation by visiting www.RIMS.org/FRM.  While you're there, be sure to check out information about the Susan Meltzer Scholarship Fund, which was established to honor Ms. Meltzer, who was RIMS President in 1999 and 2000. [27:44] Susan Meltzer was a cherished RIMS President and contributed so much to RIMS and the greater risk community. Learn more at RIMS.org/FRM. [27:53] Let's return to our interview with Cari Stinebower! [28:14] Justin asks if other countries sanction the United States or U.S. companies. Cari says it has become a new trend. The jurisdictions doing it are China, with the National Security Law; Russia, identifying Hostile Jurisdictions that have imposed sanctions against Russia. [29:12] Cari says it's a quid pro quo. Ukraine has a sanctions program against entities that do business with Russia. Canada and Europe are well-known for their Blocking Statutes. [29:48] They have Antidote Sanctions that prohibit their nationals from complying with the U.S.'s Cuba Sanctions. Those jurisdictions see the U.S. sanctions on Cuba as territorial. There is a quid pro quo. [30:08] Sometimes it triggers conflict-of-law issues, and companies have to decide how and when they're going to comply with which set of sanctions. [30:46] Cari says, if you don't have a holistic view of which jurisdictions you're operating in, and where your U.S. nationals are located, there's no way to build out a robust, comprehensive sanctions program. [31:01] If you have a U.S. person located in or in a business position in Canada, you wouldn't want them dealing with the Canadian company's Cuba business. You need to know where they are located in advance so you can protect the U.S. person. [31:27] Justin notes that RIMS is a global society. Canada is the second-largest RIMS membership base. [31:40] Justin says there's so much due diligence to be done. You have to vet the company you're going to be doing business with and do your second- and third-tier supply chain risk management deep dive to make sure that everything is above board. [32:02] Cari says there are many examples where the Canadian Government has aggressively stepped up its sanctions components. The Canadian sanctions on Russian targets may be more aggressive than the U.S. or EU sanctions on Russia. [32:19] If you have a financial institution or insurance company based in Canada, but operating in the U.S. and the EU, because they're complying with the Canadian sanctions, they're blocking transactions that a U.S. party wouldn't have to block. [32:44] You want to know what the entire web of sanctions regulations is before you figure out who your business parties are and how you're going to navigate something. [32:55] Justin surmises that a small company without a dedicated risk professional would need to reach out to a company like Steptoe. Cari agrees; a lot of people will use a law firm and a consultant to build out their compliance programs or to do the risk analysis. [33:13] Cari says, then they will either find someone in-house or outsource it to a consultant or a specialist to keep costs down. [33:23]  Cari says, we also see this pop up in Mergers & Acquisitions. One of the things that is often difficult is that they will see the compliance function either as redundant or as a cost center, and not as a profit center. [33:47] The guidance is always: Don't save costs by getting rid of your Compliance function, because it will cost you money in the long run. But often, that is what you will see. [34:00] Justin brings up the Terrorism Risk Insurance Act (TRIA), a legislative priority for RIMS. RIMS sends an External Affairs Team to Capitol Hill every year to talk about TRIA with their Representatives in Congress. [34:19] Justin says RIMS helped lead the charge, over 20 years ago, to get TRIA passed into law. [34:30] The nature of terrorism risk has evolved since TRIA's enactment. Justin asks how risk managers should be thinking about terrorism exposure today, compared to when the program was established. [34:44] Cari says terrorism, like the narcotics traffickers, evolves. It's cash-intensive. There's more you can do now through technology, AI, cybersecurity, and cryptocurrency. [35:01] You can sit completely offshore and wreak havoc on the electrical grid or a utilities provider, or a financial institution, through cyberattacks or cybercrimes. It can be crippling if terrorists go after the grid. [35:28] Cari says we have seen an overlap between what could be a terrorist attack and what is more likely a ransomware grab, when they're going after smaller utilities located somewhere in the Midwest. That seems to be a trend. [35:45] They're not always sophisticated. You don't always know who the counterparties are. Going back to the Drug Control Strategy report, the Government is saying that there has to be a holistic approach to ransomware and cyberattacks. [36:03] A couple of years ago, the FBI and Homeland Security set up a task force to work with the utilities or other U.S. businesses that see themselves faced with a ransomware attack that is either just for the money or is something more nefarious. [36:24] Cari says, if the question is, is it terrorism or is it something else, but the way you would attack it would be the same if you're the utilities manager; it doesn't matter if it's terrorism or cybercrime. [36:48] You've got to work with law enforcement to protect your infrastructure, to figure out whether you're going to pay the ransom or not, so that you can protect your customers' data. [37:02] It's up to the Government to figure out who the illicit party was. Is it a hacker group sitting in Russia? Is it a terrorist group? Why were they doing it, and how do you stop it from happening in the future? [37:18] If you're the Business Manager or the Compliance Officer, you need to build in your risks, your risk mitigation strategies, redundancies, and backup servers that are not connected. The problem for you isn't: Is this a hacker or a terrorist doing this to me? [37:53] Cari says there are many insurance working groups. We've worked with clients, some of these groups, and the U.S. Government to come up with language that makes sense. We see it in the context of Iran or Russia, or with respect to language for War Risk in the Strait of Hormuz. [38:32] Cari says, The partnership between the insurers, reinsurers, brokers, and Government is pretty deep. [38:41] These working groups have been around for a long time because insurers, brokers, and reinsurers need buy-in from the Government to get assurances that the language they're putting out there is enough to get them out of trouble if they're acting in good faith. [39:00] Generally, everyone is, but you want that nod from the Government that what you've done is sufficient from the Government's perspective. [39:37] Cari's advice to risk professionals in August 2026: The most important thing is that the risk professionals and the business units know and trust each other. [39:47] Cari continues: A risk professional isn't going to be able to build out a compliance program that works unless they know what the business units are up to and what the business priorities are, and they have the trust of the business professionals. [40:05] Some critics warn that you don't want the compliance person to become a captive of the business units, driven by profit rather than compliance. Cari says the business compliance person needs the business unit and the compliance unit to work hand in glove. She explains it. [40:46] Cari says we've seen this a lot with all of these businesses jumping into the Venezuela market. There's a lot of business upside but also a lot of risk. It may not be that there's a sanctions risk, but the longer-term risks are the money-laundering and corruption risks. [41:26] Cari asks what happens ten years from now? If you're a compliance officer, you need to understand the upside to the business, which is lots of profit, but when you're drafting contracts and working with the business unit, how are you mitigating the risk that's five or 10 years out? [41:44] Cari says the only way you do that is if the compliance and business units have a certain amount of trust and respect for each other. [41:57] Cari says the Compliance Officer is not always the Risk Manager. Some businesses will have it siloed; some will have someone embedded. In some cases, there's no compliance person. They throw it onto a legal officer, and the legal officer can be spread fairly thin. [42:13] Cari says you can work through trade associations to understand industry risk. You can hire consultants. You can hire law firms. The benchmarking is incredibly important to understand not only the opportunity but also the appropriate risk. [42:49] Justin says this has been one of the most informative RIMScasts we've had in a while. I'm so glad we got a chance to tackle this topic. Cari, thank you so much for joining us here on RIMScast! [42:45] Special thanks again to Cari Stinebower of Steptoe for joining us here on RIMScast! A link to her LinkedIn profile is in this episode's show notes. [42:58] I have links on this episode's show notes to other RIMS coverage on sanctions, geopolitical tensions, and related supply chain risk. Also visit RMMagazine.com. [43:08] Plug Time! Become a RIMS member and get access to the tools, thought leadership, and network you need to succeed. Visit RIMS.org/membership or email membershipdept@RIMS.org for more information. [43:26] 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. [43:42] 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. [43:56] 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. [44:08] Practice good risk management, stay safe, and thank you again for your continued support!   Links: Spencer Educational Foundation's 2026 Funding Their Future Gala | Sept. 17, 2026 ChicagoLand Risk Forum | Sept. 24, 2026 RIMS Certification Week: Sept. 21‒24 | Complimentary For All RIMS Western Regional Conference — Oct. 4‒7, 2026 | Seattle, WA | Register Today. RIMS Canada Conference — Oct. 18‒21, 2026 | Quebec City | www.rimscanadaconference.ca | Sponsorship Opportunities Available RIMS ERM Conference 2026 | November 19‒20 in Columbus, Ohio | Registration Now Open! | www.rims.org/ERM2026 | RISKWORLD 2027 Registration | RIMS members can lock in 2026 rates now through Sept. 4 RIMScast Canada — Episodes Now Live — Watch the new video with Sophie Grégoire Trudeau. The Strategic and Enterprise Risk CenterRIMS, the Foundation for Risk Management Spencer Educational Foundation — Scholarships and Grants | Open Calls and Timelines. RIMS Now RIMS-Certified Risk Management Professional (RIMS-CRMP) | Insights Video Series Featuring Joe Milan! RIMS Diversity Equity Inclusion Council RIMS-CRMP Stories RISK PAC | RIMS Advocacy RIMScast on YouTube! RIMS Risk Management Magazine | Contribute | Q2 2026 Issue Now Available Sponsor RIMScast — Sales@RIMS.org Cari Stinebower — Biography page Cari Stinebower on LinkedIn Upcoming RIMS-CRMP Virtual Workshops: RIMS-CRMP Exam Prep with PARIMA | Sept 1‒2 Full RIMS-CRMP Prep Course Schedule See the full calendar of RIMS Virtual Workshops   Upcoming RIMS Webinars: RIMS.org/Webinars "Beyond the Loss Count: What Property Claims Reveal About Frequency, Severity, and Resilience" | Sponsored by AXA XL | Sept. 17, 2026 "The Future of Captives: What Risk Managers Should Be Thinking About Now" | Sponsored by Brown & Brown | Oct. 1, 2026 "RIMS Student Series: Classroom to Career Part 1" | Sept 1 "RIMS Student Series: Classroom to Career Part 2" | Sept 9 RIMS Certification Week: Sept. 22‒24 | Complimentary For All   Related RIMScast Episodes: "Mid-Year Risk Roundup 2026 with Morgan O'Rourke and Hilary Tuttle" "Money Laundering Risks with Crystal Trout" (2025)   Sponsored RIMScast Episodes: "48 Hours From a Storm: What to Do Before A Hurricane Strikes" | Sponsored by Global Risk Consultants, a TÜV SÜD Company (New!) 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RIMS Virtual Workshops On-Demand Webinars RIMS-Certified Risk Management Professional (RIMS-CRMP) RISK PAC | RIMS Advocacy RIMS Strategic & Enterprise Risk Center RIMS-CRMP Stories — Featuring RIMS President Manny Padilla!   RIMS Events, Education, and Services: RIMS Risk Maturity Model®   Sponsor RIMScast: Contact sales@rims.org or pd@rims.org for more information.   Want to Learn More? Keep up with the podcast on RIMS.org, and listen on Spotify and Apple Podcasts.   Have a question or suggestion? Email: Content@rims.org.   Join the Conversation! Follow @RIMSorg on Facebook, Twitter, and LinkedIn.   About our guest: Cari Stinebower, Partner, Steptoe   Production and engineering provided by Podfly.

In energetisch destabilisierenden Zeiten wünschen sich unsere Systeme oft Intimität, Partnerschaft, Anker im Außen, die uns gefühlt aus dem inneren Chaos erlösen. Die Wahrheit ist, dass wir auf Basis der dahinter liegenden Not und Leere (die sich vor allem für hochsensitive, neurodivergente Systeme total real anfühlt) nur noch mehr Chaos und Disregulation in unser Leben ziehen. Diese Frequenzheilung kannst du immer dann machen, wenn du die Kernfrequenz deines Wunsches nach Nähe und Lebendigkeit im Außen und die dahinter liegende Not wieder auf die organischen Timelines deines Höheren Selbst anheben möchtest, in denen du Nährung und Lebensigkeit in dir und als Resultat davon dann auch im Außen erfährst. Fühlt sich super an! Worte der Achtsamkeit: Ich bin kein Arzt, Therapeut oder Heilpraktiker , stelle keine Diagnosen und gebe keine Heilversprechen. Die Informationen in dieser Session werden nach bestem Wissen und Gewissen weitergegeben. Sie sind ausschließlich für Interessierte und zur Fortbildung gedacht und keinesfalls als Diagnose- oder Therapieanweisungen zu verstehen. Bei Verdacht auf Erkrankungen konsultiere bitte deinen Arzt oder Heilpraktiker. Meine Arbeit hat das Ziel, spirituelle Transformation & energetisches Wohlbefinden durch körperzentrierte Frequenzveränderung zu initiieren und kann keine konventionellen Therapiemethoden ersetzen. Sie richtet sich an spirituell interessierte und “energiefühlige” Menschen.

SICHERHEIT - ist weder deine Festanstellung, noch dein Bankkonto, dein Partner und erst recht nicht dein Familiensystem oder irgendwelche gesellschaftspolitischen Systeme. SICHERHEIT ist multidimensionale Kohärenz mit den Timelines deines Höheren Selbst. Dieser Podcast unterstützt dich, dabei deinen linearen Ego-Mind dabei zu unterstützen, zeitgemäße, spirit-basierte Definitionen von Sicherheit zu erlernen! Ich erkläre hier wieso so viele High Sensitives in den letzten Jahren in existenziellen Mangel gekommen sind und an Beispielen aus meinem eigenen Leben, wie wir uns in falschen Sicherheitsdefinitionen verdrehen und auf nicht kohärente Timelines begeben. Frequenzheilung inklusive, die dein System darin trainiert, ein neues multidimensionales Sicherheitsverständnis zu verkörpern. (ab 16:25) Dann kommt die Fülle, die Stabilität, die externe Sicherheit auf eine neue Weise, die du jetzt mit dem linearen Verstand noch gar nicht erfassen kannst. Worte der Achtsamkeit: Ich bin kein Arzt, Therapeut oder Heilpraktiker , stelle keine Diagnosen und gebe keine Heilversprechen. Die Informationen in dieser Session werden nach bestem Wissen und Gewissen weitergegeben. Sie sind ausschließlich für Interessierte und zur Fortbildung gedacht und keinesfalls als Diagnose- oder Therapieanweisungen zu verstehen. Bei Verdacht auf Erkrankungen konsultiere bitte deinen Arzt oder Heilpraktiker. Meine Arbeit hat das Ziel, spirituelle Transformation & energetisches Wohlbefinden durch körperzentrierte Frequenzveränderung zu initiieren und kann keine konventionellen Therapiemethoden ersetzen. Sie richtet sich an spirituell interessierte und “energiefühlige” Menschen.

Did top health officials use lockdowns and mandates to delay natural immunity? We examine new revelations from Jeffrey Tucker and Brownstone Institute on the true agenda behind COVID restrictions and what it means for public trust.(Enjoyed this quick breakdown? Make sure to follow/subscribe, leave a 5-star review, and join the discussion over on X, Youtube, or Rumble!)Welcome to Actuali, where we explore the crisis of meaning in our world today, and how we may help usher in an awakening from it.In this episode, we break down stunning insights shared by Jeffrey Tucker regarding private acknowledgments from top FDA and NIH officials. We analyze how policies like "flatten the curve," business shutdowns, and outdoor restrictions served to prolong the timeline rather than resolve the crisis naturally, and we look at the devastating 60% loss among American small businesses.We also examine the contradictions of early mitigation strategies—from mask mandates and plexiglass barriers to invasive early intubation protocols. From regional case studies in Africa and the Dakotas to personal accounts of coercion and institutional compliance, we explore the cultural and psychological fallout of federal mandates and why local resilience in communities like Appalachia remains essential.Join us as we explore the ongoing demand for transparency, the ethics of informed consent, and how we make sense of institutional betrayal.Public Health Context & Official Records:Brownstone Institute & Public Policy Records:https://brownstone.orgCenters for Disease Control and Prevention Public Health Recommendations & Timelines:https://www.cdc.gov/coronavirus/2019-ncov/index.htmlWhat do YOU think? Did the push to "flatten the curve" intentionally delay a natural resolution to the pandemic? Drop your thoughts in the comments below

What should a manufacturing contract with a Chinese supplier actually cover, and how can it help protect your product, intellectual property, tooling, quality, and supply chain? In this CMD Gold episode of China Manufacturing Decoded, Adrian and Renaud revisit a practical discussion about the agreements importers and product developers should consider when working with manufacturers in China. They explain why the real value of a good supplier agreement starts long before a dispute occurs: it forces both sides to put expectations in writing and agree on what happens if something goes wrong. Topics include: Why some importers still work with Chinese suppliers without proper contracts The practical benefits of putting supplier expectations in writing What an NNN agreement covers: non-disclosure, non-use, and non-circumvention Who should own the product IP, design files, and tooling What a Manufacturing Agreement should cover Controlling subcontracting and defining the approved manufacturing location ...and more The key takeaway is simple: a manufacturing contract is not only something to rely on when a supplier relationship breaks down. Its greatest value may be preventing ambiguity and disputes in the first place. Important note: This conversation originally aired in 2020 and is being revisited as part of our CMD Gold series. Chinese law has evolved since the original recording, so this episode provides practical manufacturing guidance rather than current legal advice. Sofeast are not lawyers. Any agreement you intend to rely on should be reviewed by appropriate legal counsel familiar with current Chinese law and your specific circumstances.   Show Sections 00:00 – CMD Gold introduction 01:29 – Why do buyers work with Chinese suppliers without contracts? 03:16 – Why overseas buyers can underestimate supplier risk 05:52 – What does a manufacturing contract actually do for you? 10:13 – Other agreements new-product buyers should consider 12:46 – Product development agreements and IP ownership 16:27 – What is an NNN agreement? 17:33 – What should a manufacturing agreement cover? 23:09 – When NNN and development agreements may not be necessary 24:45 – Subcontracting, factory access and inspection rights 25:47 – Manufacturing defects vs design defects 28:22 – Field failures, termination and how detailed the contract should be 31:30 – Why supplier agreements shouldn't live in WeChat and email 33:23 – CMD Gold 2026 takeaways   Related content How To Create A Valid Manufacturing Contract In China To Protect Your IP IP Protection in China When Developing a New Product Plastic Injection Mold Tooling Management & Risk Reduction Mold Tooling Ownership: The Shocking Term Chinese Suppliers Push For! 8 Ways to Prevent Chinese Suppliers from Subcontracting Agilian's IP Protection Transfer Manufacturing to a New Chinese Factory With Fewer Risks Get in touch with Sofeast Connect with us on LinkedIn Contact us via Sofeast's contact page Subscribe to our YouTube channel Prefer Facebook? Check us out on FB

Jen sits down with WEBTOON and Square Enix to break down a channel that reaches mobile, PC, and console at once.UA is saturated and everyone is hunting for new reach. WEBTOON has 160 million MAU, about 90% under 34, and roughly 69% of its readers play games across all three platforms. Christine Yu (WEBTOON) and Melanie Gordon (Square Enix) walk through how the Visions of Mana and Dragon Quest VII Reimagined campaigns actually came together, what the branded epilogue format is, how long these collabs take, and how the Coin Hunter offerwall is driving 10,000 verified Steam wishlist adds a week.Topics Covered:• The vertical scroll format and why Gen Z never touched a comic book• 160M MAU and how WEBTOON monetizes like a free to play game• $2.7B paid out to creators and 124,000 new episodes a day• Creators as influencers and why the comment section matters• The branded epilogue and the Visions of Mana collab results• Dragon Quest VII Reimagined and the Tabletop partnership• Timelines, approvals, and what marketers need to bring to the table• Licensing collab creative for paid media, owned social, and UA• Coin Hunter, the offerwall, and pay per verified Steam wishlist• Where WEBTOON sits in the funnel and why ROAS is the wrong first questionCHAPTERS:01:33 — What Is WEBTOON04:21 — Mel's Fan Origin Story06:26 — WEBTOON as an IP Engine09:17 — Creators as Influencers11:24 — Turning Fandom Into a Marketing Channel13:14 — Case Study: Visions of Mana x The Greatest Estate Developer15:20 — Inside the Collab Process17:33 — Western Market Performance20:00 — Case Study: Dragon Quest VII Reimagined x Tabletop24:07 — Campaign Types and Timelines27:32 — Repurposing Collab Content for UA/Social30:18 — What Makes It Feel Authentic (Not Cheesy)32:00 — Performance, ROAS, and Funnel Placement34:00 — Beyond Anime: Genre and Demographic Diversity37:08 — Audience Demographics38:00 — Lower-Funnel Product: Coin Hunter / Steam Wishlist41:00 — What's Next & Wrap-Up Wishlist 42:00 — Recap and Closing (Brandformance)

Thanks to our partners at T-Mobile for sponsoring the Bantering with Boone episode. Booking.com the easiest way from where you are to where you want to be. Go on, book that trip -  it's easy. https://www.booking.com Whether you're just wanting to test an idea out, or you're getting serious about launching your own brand, it's never been easier to get started on https://shopify.com/yanks. Download the Fanatics Sportsbook app , use code JOMBOY https://fanatics.onelink.me/5kut/JOMBOY New customers who sign up and Bet $5, Get $100 in FanCash*. Use FanCash on bonus bets, profit boosts, team gear and more on Fanatics.com. *New customers in AZ, CO, CT, DC, IA, IL, IN, KS, KY, LA, MA, MD, MI, MO, NC, NJ, NY, OH, PA, TN, VA, VT, WV, or WY. Must toggle on this promotion in your bet slip and wager $5+ cash on any market (min. odds -500) within 7 days of account opening to receive $100 in FanCash. Promotional FanCash expires 7 days from issuance (at 11:59pm ET). Terms, including FanCash terms apply-see Fanatics Sportsbook app. Use FanCash on bonus bets, profit boosts, team gear on Fanatics.com and so much more. +++++++++ Timestamps: 0:00 Intro   4:18 Aaron Boone Joins the Show   5:20 Boone's 50th Career Ejection   7:40 Max Fried's Injury 9:55 Aaron Judge Starting Baseball Activities, Belli Back Soon 13:15 Giancarlo Stanton is Getting Close   13:45 Are the Yankees Doing Any Superstitions? 17:05 Jazz Play with the Umpire Tuesday 19:47 Any Weird Lineup Plans? 22:35 Carlos Rodon Looked GOOD in His Return   26:20 Goldschmidt's Day of Work   28:05 Ben Rice Still Slumping   30:30 Who Does Lombard Remind You Of? 32:55 BOONE FAMILY TRIVIA 37:15 Breaking Down What Boone Revealed Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

The mates sit down with Alvin Graylin to discuss China's AI strategy, the escalating US-China AI race, realistic timelines for ASI, and whether the industry is heading toward a $1.7 trillion AI bubble. Get access to metatrends 10+ years before anyone else - https://qr.diamandis.com/metatrends   Peter H. Diamandis, MD, is the Founder of XPRIZE, Singularity University, ZeroG, and A360 Salim Ismail is the founder of Open ExO, a GP at Exponential Venture Capital/The Organizational Singularity Fund and a sought after global speaker and thought leader. Dave Blundin is the founder & GP of Link Ventures Dr. Alexander Wissner-Gross is a computer scientist and founder of Reified Alvin Wang Graylin is a technology pioneer, entrepreneur, executive, and thought leader with 30+ years of experience delivering innovative products in the AI, XR, cybersecurity, and semiconductor industries. He is the co-author of Our Next Reality: How the AI-powered Metaverse will Reshape the World. Alvin's Papers: 
 The Biggest AI Models Are Not the Biggest Threats: https://www.thecipherbrief.com/the-biggest-ai-models-are-not-the-biggest-threats Misdiagnosing the U.S.–China AI Race: Recalibrating America's Approach to an Incomplete Strategy: https://centerforchinaanalysis.asiasociety.org/p/misdiagnosing-the-uschina-ai-race Beyond Rivalry: A US-China Policy Framework for the Age of Transformative AI: https://www.digitalistpapers.com/vol2/graylin – My companies: Apply to Dave's and my new fund:https://qr.diamandis.com/linkventureslanding   Get the blueprint for generative media https://goo.gle/startupgenmedia  Go to Blitzy to book a free demo and start building today: https://qr.diamandis.com/blitzy   Your body is incredibly good at hiding disease. Schedule a call with Fountain Life to add healthy decades to your life, and to learn more about their Memberships: https://www.fountainlife.com/peter  Join the Moonshots Mates on Sep 25th for the inaugural Moonshots LIVE. The world's greatest entrepreneurs, builders and creators, working together to build a hopeful and optimistic vision of tomorrow. Seats are limited and application only. Apply at moonshots.com before seats are sold out. _ Connect with Peter: X Instagram Substack Website Xprize A360 Connect with Dave: Web X LinkedIn Instagram TikTok Connect with Salim: LinkedIn X Join Salim's 10X Shift Subscribe to Salim's YouTube channel Exponential Venture Capital Connect with Alex Website LinkedIn X Email Substack  Spotify Threads Connect with Alvin LinkedIn X Instagram Listen to MOONSHOTS: Apple YouTube Follow MOONSHOTS:  Instagram TikTok X Threads – *Recorded on August 17th, 2026 *The views expressed by me and all guests are personal opinions and do not constitute Financial, Medical, or Legal advice. Learn more about your ad choices. Visit megaphone.fm/adchoices

Top Psychic + Medium Allison Carmany joins me for a fascinating conversation on opening new timelines, reaching into other dimensions, connecting with loved ones who have passed, and why raising your vibration without grounding the body and nervous system can create more chaos…not less. Then Allison connects with a recently departed friend of my fiancé's, and what comes through speaks directly to the ancestral healing happening in his life right now.⬇️3-Day 180 Retreat (September 17th, 2026)https://www.nicolefrolick.com/3-day-180-retreat⬇️Work With Nicole 1:1https://www.nicolefrolick.com/work-with-nicole⬇️Apply to be a guest on Holy Sh!t Moments with Nicolehttps://link.fgfunnels.com/widget/form/lEx4osu0nHrPQryDjwaf⬇️Do Not Age (Best Longevity Supplements To Reverse Your Biological Age)https://donotage.org/products?dna_link=1312USE COUPON AT CHECKOUT FOR 10% OFF: FROLICK10*Coupon doesn't apply to the DoNotAge “15 in 1” supplement as it's already 70% discounted⬇️Get $99 off your first order of OESTRA for women in Perimenopause or Menopausehttp://rwrd.io/7eqj6ko?c⬇️CONNECT WITH ALLISONhttps://soulfulevolution.com/https://www.instagram.com/allisoncarmany/https://www.youtube.com/@AllisonCarmanySUBSCRIBE & FOLLOWIf you're enjoying the show, please subscribe to iTunes and leave me a 5 star review!  This is what helps the podcast stand out from the crowd and allows me to help people find a refreshing spin on spirituality with a great blend of entertainment and credible advice.Newsletter: https://tinyurl.com/3wa5dnwjWebsite: http://nicolefrolick.com/Meditations: https://www.nicolefrolick.com/meditationsYoutube: https://www.youtube.com/user/nicolefrolickInstagram: https://www.instagram.com/nicolefrolick/Tiktok: https://tiktok.com/@nicolefrolickSpotify: shorturl.at/fikF7iTunes: http://apple.co/2ve7DtETimestamps00:00 Raising Vibration Myth0:50 Intro2:05 Allison Carmany's Reading Delivery5:15 Moving Forward in 20269:15 Your Soul Already Knows The Future11:22 Time Is Speeding Up + Your Nervous System16:35 Opening New Timelines45:12 Allison Demonstrates A Reading on Nicole1:01:25 An Eerily Accurate Reading of Someone Who Just Passed Away

Have you ever felt like you're falling behind on an invisible life schedule? Gather around the virtual campfire with Wyce Thoughts as we unravel societal pressure, release rigid deadlines, and learn to trust the wisdom of our own unique pace.WebsiteFollow on X Follow on YoutubeFollow  Purple Pit Studios 

Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society.   In this episode, Justin interviews Sophie Grégoire Trudeau about her closing keynote for the RIMS Canada Conference. Justin asks Sophie about her connection to risk managers or risk professionals. Sophie explains that all decision-makers are risk assessors. Justin and Sophie address leadership in incredibly high-profile environments and the qualities Sophie believes define strong leadership today, when people are facing uncertainty, competing priorities, or significant change. Sophie explores the window of tolerance.   Sophie explains how Canada is often viewed internationally as collaborative and consensus-driven, and the uniquely Canadian approaches to leadership, wellness, or community that she believes have value on the global stage. Sophie touches on her wellness practices, the importance of adaptability, and what adaptability is.   Listen for Sophie's single most important principle she would share with risk professionals.   Key Takeaways: [:01] About RIMS and RIMScast. [:16] About this episode of RIMScast. We are delighted to present an interview with one of Canada's national treasures, Sophie Grégoire Trudeau. [:39] Sophie is an author and mental wellness advocate, and will be the closing keynote speaker at the RIMS Canada Conference on October 21st. There's so much to discuss! But first… [:49] Plugs: This is the last call for educational content submissions for RISKWORLD 2027, which will be in New Orleans, Louisiana, from April 18th through the 21st. The deadline for submissions is August 21st, just a few days from the launch of this episode. [1:07] The submissions link is in this episode's show notes. [1:10] RIMS-CRMP Workshop. On August 27th and 28th, RIMS President Manny Padilla will be leading the two-day, in-person workshop at St. John's University at 101 Astor Place in New York City. A link to the registration is in this episode's show notes. [1:30] RIMS-CRMP Virtual Workshops. RIMS will partner with PARIMA for the RIMS-CRMP Exam Prep on September 1st and 2nd. Registration links are in this episode's show notes. [1:39] Also on the webinars page, you will see a two-part series hosted by the RIMS Membership Department. The "Classroom to Career" webinar series highlights how RIMS equips students with the knowledge, skills, and connections needed to thrive in risk management careers. [1:55] Participants will gain insights into industry trends, career pathways, and practical tools that help them confidently step into the evolving world of risk management after graduation. These sessions will be hosted on September 1st and 9th. [2:08] These sessions are member exclusives and are complimentary for RIMS members, of course. So, if you are interested in becoming a member, this would be the time. Visit RIMS.org/membership. [2:18] On October 1st, Brown and Brown will make their RIMS Webinar debut with "The Future of Captives: What Risk Managers Should Think About Now." A link is in this episode's show notes. [2:30] RIMS is back on YouTube. Our handle is @RIMSOfficialChannel. We've got plenty of videos there, including RIMScast, RIMScast Canada video podcasts, and other informative and entertaining content from RIMS. Subscribe to the channel today! [2:49] On with the Show! I will be joined by a co-host today. She is the RIMS Canada National Conference Committee Chair and RIMScast Canada host, Aaron Lukoni. Aaron and I both wanted to interview our guest today, so we are sharing hosting duties. [3:08] We are amped up for this interview with Sophie Grégoire Trudeau. The RIMScast Canada video of this interview will be available this week at RIMS.org/Canada. [3:18] Sophie is the author of Closer Together: Knowing Ourselves, Loving Each Other, a Number 1 bestseller featured in Audible Canada's Best of 2024 list. She is the former wife of Justin Trudeau, former Prime Minister of Canada. [3:35] We are excited that she will be the closing keynote for the RIMS Canada Conference, which will be held from October 18th through the 21st in Quebec City. Register at RIMSCanadaConference.ca. [3:46] Today we will get a preview of her keynote and her perspective on risk management. She will open our minds to something called the window of tolerance. Learn more about her at Sophiegregoiretrudeau.com. There's a lot of energy in the RIMScast studio today. Let's get to it! [4:05] Interview! Sophie Grégoire Trudeau, welcome to RIMScast! [4:11] Sophie says to everybody listening that she is so, so happy to be here. She comments on the saying that life is not a private affair. She expounds that we have so much to learn from one another. Conversations like these are about business but even more about humanity. [4:38] Sophie says humanity will never be lost. Whatever we think that AI will do to our world, humanity will reign. We have to make sure we understand humanity to be able to manage it well. [4:56] Sophie says the etymology of the word risk is uncertain. It comes from the Italian word risco, having to do with navigation dangers. But some historians say it comes from a Greek word meaning root, cliff, or hazard. [5:47] Sophie says, finance, through history, has changed the word risk to mean not only facing danger, but also the uncertainty surrounding the outcome of a decision. [6:00] Sophie says she has talked with popes, queens, kings, farmers, teachers, nurses, and others who don't fit the definition of only being in risk assessment. [5:22] But human beings, whatever they do in life, have been dedicated to countering the true nature of our primal brain, which doesn't like uncertainty. [6:35] Sophie has a lot of respect and reverence for risk management people, who do this as their daily jobs, because it means that you've got to be seeing the world as it is and not from your perspective. Sophie says she finds that's what the world needs these days. [7:06] Justin had the chance to listen to Sophie on some other shows, such as the Aspen Institute last year, and a show called Can't Be Sensored. Justin is listening to Sophie's audiobook, and he comments that she does a lot of research. [7:33] Sophie says she keeps herself grounded, as a teacher and coach, so whenever she gets on a stage, whether she's talking to 50 people or 10,000, she has always done her research and homework. As she ages, she finds the homework is paying off. She never takes it for granted.  [8:24] Sophie says she was on the co-political path for almost 15 years. Assessing risk is all they do every day, and seeing how you can save the most vulnerable in every situation. When people see Sophie at events in high heels and a dress to mingle, that's not what politics is about at all. [8:47] Sophie says politics is about serving each other, assessing risk, and making decisions with the most discernment, facts, and data, from a regulated state. [9:00] Sophie says, if you look at the state of the world, so many leaders aren't well-regulated and aren't well-informed. When it comes to risk management, that is of absolute importance. [9:16] Aaron asks Sophie what qualities define strong leadership in today's workforce and society, when facing uncertainty, competing priorities, and significant changes. [9:34] Sophie says she is passionate about the answers to that question. Her life's devotion is studying the neuroscience behind personality. That's why she wrote Closer Together, to make it accessible to everybody, whether low-profile or high-profile. [10:02] Sophie says what is really impressive in a true leader is the human capacity to see the world for what it is and not through who they are. That takes a lot of emotional regulation, emotional maturity, and a lot of work on one's inner world. [10:17] Sophie introduces the concept of the window of tolerance. AI is coming at an incessant speed. Our brains are not ready for that speed. [10:40] We're being bombarded with information and new situations at the high rate of efficiency of machines, and we're just trying to adapt. We're all in reaction mode. [10:54] When we're in reaction mode, and we're not prepared for whatever risk is coming, we are brought back to our own window of tolerance. It's part of being a human being. [11:17] Sophie says your first childhood bond of attachment, in your pre-verbal years, makes you the leader that you are today. From zero to two years old, you form a bond of attachment called the epistemic bond of trust. [11:34] The epistemic bond of trust is the first bond of trust you build with another human being, the person who took care of you, and the outside world. [11:44] It's a dance; a vocal, visual, earful dance, nervous system to nervous system, right brain to right brain, the hemisphere responsible for the emotional development of the human brain. That dance lasts from zero to two years. [12:08] Sophie says it sets a tone in your nervous system. Did you have a parent who was present? What was the quality, the consistency, the presence, and the playfulness? What is the tone that it set in your nervous system as a child? [12:27] You carry this in every single adult relationship that you'll ever have, including the ones with your employees or your colleagues. [12:35] Sponsorships! You can sponsor a RIMScast episode for this, our weekly show, or a dedicated episode. RIMScast is proud of its longstanding relationships with AXA XL, Global Risk Consultants, Alliant, Zurich, and more. [12:57] Links to many of these episodes are in the show notes. RIMScast sponsorships can be bundled with whitepapers and webinar sponsorships. [13:05] 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! [13:17] Reach out to Ted Donovan at TDonovan@RIMS.org or reach out to Sales at Sales@RIMS.org. Let's find the best opportunity for you and your organization. [13:30] Let's Return to Our Dialog about Windows of Tolerance with Sophie Grégoire Trudeau! [13:38] Sophie says, when you're put in front of a decision where you have to weigh the risk, and when you know that there are risks implicated in the outcome, people in risk management and finance say there will be no revenue without risk, so you have to take risk. How do you assess it? [14:02] Sophie says it comes back to your nervous system and your capacity to see the world as it is and not as you are. [14:08] If your first childhood bond of attachment was insecure, anxious, or disorganized, you're not starting with a solid base of being able to adapt to unusual circumstances. Right now, we are living in abnormal circumstances. [14:28] Sophie says we're pathologizing a lot of our conditions: from ADHD to so many other psychological conditions, but most experts will tell you we're not sick people; we're just trying to adapt the nervous system we were given to abnormal living circumstances. [14:45] Sitting at a desk for 12 hours a day, not moving, eating poorly, or not sleeping well will affect our capacity to lead. [14:55] Sophie says our window of tolerance is like a bell curve between an upper and a lower line. Your window of tolerance is within those two lines. Some people's bell curve is halfway between the two lines. Some people are more at the peak; some are more at the flat line. [15:36] It depends on how you were able to construct your capacity to adapt to change from what you received in early childhood, from your experiences through childhood, and whether you know or not about your own trauma and suffering. [15:51] Sophie says suffering is a normal part of human life. Trauma is what happens when we don't look efficiently at our suffering and when we don't know how to manage our emotions, whether you're a parent, a student, or a leader in a position where you have to take risks. [16:15] Sophie says our window of tolerance is a good metaphor for how we assess risk and how we lead teams into risk, and how we can mitigate risk and the outcomes of risk. Sometimes we face bad situations. How do we adapt to that? [16:37] Aaron mentions it's our emotional regulation. Sophie says, from the beginning to the grave, our capacity to emotionally regulate ourselves, especially in difficult situations, makes us courageous leaders or not. [16:56] Sophie says, in this window of tolerance, we can insert a more precise marker for capacity to adapt, which is Heart Rate Variability (HRV). This is your capacity to go from a very stressful situation back to homeostasis, a balanced nervous system. [17:13] Sophie asks, What are you presented with in your company? What are your clients asking for? How much risk are you assessing, and how can you take really difficult situations and come back to a regulated team, a regulated balance sheet, and a regulated vision for your enterprise? [17:31] Sophie says, as much as we are at risk with technology, it is also an ally because it gives us facts and data, which we cannot push away. Science is on our side when it comes to leadership, because we understand the importance of regulation at every step. [17:53] One More Quick Break! RIMS, The Foundation for Risk ManagementTM, is dedicated to shaping the future of the profession. By contributing, you are strengthening the global risk management community and investing in the future of the industry. [18:13] The Foundation also supports the Spencer Educational Foundation but has a different mission. The Foundation focuses on providing opportunities for those professionals who have already decided to enter risk management and are just getting started. [18:27] You can learn more about the Foundation by visiting www.RIMS.org/FRM.  While you're there, be sure to check out information about the Susan Meltzer Scholarship Fund, which was established to honor Ms. Meltzer, who was RIMS President in 1999 and 2000. [18:46] Susan Meltzer was a cherished RIMS President and contributed so much to RIMS and the greater risk community. Learn more at RIMS.org/FRM.  [18:54] Let's Return to Our Interview with RIMS Canada Conference Keynote Sophie Grégoire Trudeau! [19:03] Justin asks Sophie for an example of a person she has met with a broad window of tolerance. Sophie says she is quite discerning when it comes to picking people like that. [19:29] One man Sophie has been impressed with in his capacity to regulate emotionally, would be Barack Obama in his personality; his capacity to stay regulated in front of the obstacle. [19:53] Sophie refers to what has been done in Canada in the past 15 years, and people who have sacrificed their families and have been so courageous in the face of uncertainty.  [20:05] Sophie says Chancellor Angela Merkel from Germany is the type of woman who has a very stoic way of dealing with conflict. [20:17] There are so many. There are a lot of people who have impressed Sophie who are not known to the public. She has also seen it in her home, including her former partner and colleagues. Sophie has a lot of respect for public servants. [20:54] Sophie says, obviously, the Dalai Lama and Buddhist monks she has met and whom she admires. [21:04] Sophie says discerning spirituality is wisdom from a place where you are in such deep service that every decision you make, even risk decisions, looks to a greater force that can guide us through its humanity, in cohesion and integrity, qualities that make a leader outstanding. [21:54] Justin views Canada as a collaborative, consensus-driven nation. He asks Sophie if there are uniquely Canadian approaches to leadership, wellness, or community that have value on the global stage. [22:11] Sophie says, Yes. She has seen it from the inside out. She had such a unique position. She says another great quality of a leader is staying close to people and not building walls between them. You come from a place of non-threat, so differences are not a threat but a plus. [22:34] Sophie thinks that Canada sits on this basin of such talent and diversity that allows Canadians in their daily lives not to tolerate risk and difference but to accept it as part of their way of living. Sophie speaks of this on shows. Canada is not at risk of extremism. [23:06] Sophie says Canada has a discerning social hand of wisdom. Canada counts on it. They need to keep feeding that hand. They can't take it for granted. [23:26] Sophie mentions that Canada has diversity, has more women in the boardroom, and in the past decade, how many women have run in politics has changed, which has changed the landscape as well. [23:41] Sophie says the data has proven that more women in governance, in the boardroom, and in politics means more empathy, more open leadership, and more inclusivity, and the world needs this now, on all levels. Canada is proud of this. Every day is another day to get better. [24:03] Sophie says that all the best leaders she has spoken to, whether Olympic athletes or trainers, doctors, or risk assessment specialists, it's about every time you do well, you celebrate the small wins, but you always know you can do better. [24:22] How is it that we can do better? How is it that we can adapt better and make everyone better at the same time? In co-politics, when we invest in the middle class, it's because we know the data shows that it lifts poverty up. [24:40] Sophie says in a company, if you celebrate diversity, include people, celebrate the small wins, and elevate in your style of leadership, instead of dominating, you'll give yourself better chances to create a performing, cohesive team that can deal with great troubles. [25:12] Justin says, Sophie, we are so excited to see you in Quebec on October 21st at 8:30 a.m. Sophie is a morning person. [25:52] Aaron asks, If you could leave risk leaders around the world with one idea from Closer Together, that would help them build stronger organizations, not just stronger people, what would you hope that they're going to take away from that? [26:05] Sophie says, Know yourself. Know yourself. Get to the core of who you are. Leave all the titles, accomplishments, and risks aside for a moment and go back to who you are and how you function. [26:22] Sophie mentions the 7 Cs: Competence, Creativity, Courage, Communication, Coaching, knowing your inner Compass, and Citizenship. It starts by knowing who you are as a human being and becoming the best leader that you can be. Aaron thanks Sophie for that great advice. [27:22] Special thanks again to Sophie Grégoire Trudeau for joining us here on RIMScast. Catch the video dialog on RIMScast Canada, which you can find at RIMS.org/canada. Of course, remember to register for the RIMS Canada Conference at RIMSCanadaConference.ca. [27:40] We will see you in Quebec City from October 18th through 21st.  [27:45] Plug Time! Become a RIMS member and get access to the tools, thought leadership, and network you need to succeed. Visit RIMS.org/membership or email membershipdept@RIMS.org for more information. [28:02] 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. [28:19] 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. [28:32] 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. [28:44] Practice good risk management, stay safe, and thank you again for your continued support!   Links: RIMS Canada Conference — Oct. 18‒21, 2026 | Quebec City | www.rimscanadaconference.ca | Sponsorship Opportunities Available RIMScast Canada — Episodes Now Live — Watch the full video with Sophie Grégoire Trudeau. RIMS ERM Conference 2026 | November 19‒20 in Columbus, Ohio | Registration Now Open! | www.rims.org/ERM2026 | RIMS ERM Global Award of Distinction nominations open through Aug. 21! RISKWORLD 2027 Registration | RIMS members can lock in 2026 rates now through Sept. 4 | Education Content Submission Through Aug. 21. RIMS Certification Week: Sept. 21‒24 | Complimentary For All Spencer Educational Foundation's 2026 Funding Their Future Gala | Sept. 17, 2026 ChicagoLand Risk Forum | Sept. 24, 2026 RIMS Western Regional Conference — Oct. 4‒7, 2026 | Seattle, WA | Register Today. The Strategic and Enterprise Risk Center RIMS, the Foundation for Risk Management Spencer Educational Foundation — Scholarships and Grants | Open Calls and Timelines. RIMS Now RIMS-Certified Risk Management Professional (RIMS-CRMP) | Insights Video Series Featuring Joe Milan! RIMS Diversity Equity Inclusion Council RIMS-CRMP Stories RISK PAC | RIMS Advocacy RIMScast on YouTube! RIMS Risk Management Magazine | Contribute | Q2 2026 Issue Now Available Sponsor RIMScast — Sales@RIMS.org https://sophiegregoiretrudeau.com/ Upcoming RIMS-CRMP Virtual Workshops: RIMS-CRMP Exam Prep Workshop — Live In NY — Aug 27‒28! RIMS-CRMP Exam Prep with PARIMA | Sept 1‒2 Full RIMS-CRMP Prep Course Schedule See the full calendar of RIMS Virtual Workshops Upcoming RIMS Webinars: RIMS.org/Webinars "The Future of Captives: What Risk Managers Should Be Thinking About Now" | Sponsored by Brown & Brown | Oct. 1, 2026 "RIMS Student Series: Classroom to Career Part 1" | Sept. 1, 2026 "RIMS Student Series: Classroom to Career Part 2" | Sept. 9, 2026 "Beyond the Loss Count: What Property Claims Reveal about Frequency, Severity, and Resilience" | Sponsored by AXA XL | Sept. 17, 2026 RIMS Certification Week: Sept. 22‒24 | Complimentary For All   Related RIMScast Episodes: "Distilling Risk and Resilience with Manjit K. 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RIMS Virtual Workshops On-Demand Webinars RIMS-Certified Risk Management Professional (RIMS-CRMP) RISK PAC | RIMS Advocacy RIMS Strategic & Enterprise Risk Center RIMS-CRMP Stories — Featuring RIMS President Manny Padilla!   RIMS Events, Education, and Services: RIMS Risk Maturity Model®   Sponsor RIMScast: Contact sales@rims.org or pd@rims.org for more information.   Want to Learn More? Keep up with the podcast on RIMS.org, and listen on Spotify and Apple Podcasts.   Have a question or suggestion? Email: Content@rims.org.   Join the Conversation! Follow @RIMSorg on Facebook, Twitter, and LinkedIn.   About our guest: Sophie Grégoire Trudeau Author. Keynote Speaker. Mental Health Advocate.   Production and engineering provided by Podfly.

Send us Fan MailDr. Ben Goertzel is the researcher most often credited with popularizing the term "Artificial General Intelligence," a phrase he helped bring into wide use when he co-published a book under that title in 2005. He is the founder of SingularityNET and the architect behind OpenCog Hyperon, open-source cognitive architectures built on the conviction that large language models alone cannot get humanity to true AGI. His current project, ASI:Chain, is designed to put AGI systems on a decentralized blockchain infrastructure so that no single company, government, or actor can ever seize control of them. He is also the founder of BGI Labs, an organization focused on developing decentralized, democratic, and Beneficial General Intelligence (BGI).  In this episode, recorded live at the AGI-26 Conference, Ben draws on nearly four decades of AI research, from coding neural nets as a teenager to building today's neuro-symbolic systems, to make the case that the biggest risk in AGI is not the technology itself, but who ends up holding the switch.In this conversation, we discuss:Why statistical large language models cannot achieve true strategic planning on their own, and the critical cognitive architecture they are missing.How a hybrid, neural-symbolic architecture tackles a critical flaw in modern AI agents, preventing them from losing track of their own goals mid-task.What the shift toward decentralized AGI on a blockchain accomplishes, and why distributing it across global nodes is designed as a safeguard against centralized control.How emerging brain-computer interfaces will redefine how we experience consciousness, and what happens when human brains "Wi-Fi" directly into machine memory.Why Ben sees a beneficial AGI as a way to offset humanity's "chimp-level" ethical limitations when managing advanced weaponry.What the accelerating "Singularity is Near" vibe feels like on the ground today, and the recent milestones that have him convinced we're closer than ever. Explore the Conversation 00:00 Meet Ben Goertzel: Recording Live at the 19th Annual AGI Conference01:36 The Prometheus Project: The 1960s Books That Saw the Intelligence Explosion Coming04:51 A Geek and a Freak: Quantum Mechanics at Seven and Coding AI on 16K of RAM10:17 What Is a Human: Would the Stone Age Recognize Us With Ear Pods and AI Girlfriends?14:49 Fake Consciousness: The Scenario Where Humanity Steps Aside for Minds That Feel Nothing21:27 Why Ben Pursues AGI: From Time Machines and Brain Upgrades to AI for Good28:15 LLMs Are Not Adequate: What They Leave Out and Why Stacking Tools Around Them Fails37:24 Decentralized AGI: 100 Server Farms, 20 Countries, and Cryptographic Laterality43:56 The End State for SingularityNET: Putting AI on Chain and Building Beneficial AGI46:53 You Can Feel the Acceleration: Legacy, Timelines, and Why None of Us Should Fully Trust Ourselves52:04 Closing: The Most Important Conversation for All of HumanityResources:Subscribe to the AI & The Future of Work NewsletterConnect with Dr. Ben Goertzel on LinkedIn-Join Dan Turchin and 3 seasoned technology and people leaders on Sept. 17 for an executive discussion on AI, leadership, and the future of work. Attendees will receive a complimentary personalized AI Maturity Industry Benchmarks Report ($499 value). Reserve your seat: https://go.peoplereign.io/virtual-event-when-intelligence-is-everywhere-intelligence-is-nowhere

Was ist „Die Welt von …?“ Wenn wir über Video- und Computerspiele sprechen, die entweder elaborat ausgestaltete eigene Welten mit Hintergrundgeschichten haben oder über solche, die ihre Welt aus Literatur, Rollenspiel oder Film borgen, nehmen wir uns zuweilen die Zeit und sprechen ausführlicher über Lore jener Welten als das in den regulären Folgen möglich wäre. Im Format Die Welt von… erkunden Rahel Schmitz und Mháire Stritter die Legenden, die Geografie, die Geschichte, die Politik von diesen fiktiven Welten und holen sich dabei von Fall zu Fall ergänzende Expertise von ausgewiesenen Kennern und Kennerinnen der jeweiligen Welt. Worum geht's: Die Welt von Tomb Raider ist in erster Linie die Welt von Lara Croft, doch deren Geschichte wird immer wieder neu erzählt. Statt eines festen Kanons gibt es drei große Timelines, die sich widersprechen und doch jeweils funktionieren: die überzeichnete Classic-Lara, die nach Mama suchende Legend-Version und die traumatisierte Survivor des Reboots. Was bleibt, ist der Kern: eine britische Aristokratin, die Ruinen erklimmt, Rätsel löst und dabei Dinosaurier, atlantische Magie oder eigene Dämonen trifft. In dieser Folge sortieren Rahel und Mháire Timelines und Artefakte, sprechen über Camp, Kolonialismuskritik und das ewige Croft Manor – und mit der Expertin Linda über Lara als feministische Ikone, Sexsymbol und drei Jahrzehnte Beständigkeit. Warum funktioniert eine Figur, die ständig neu erfunden wird? Und warum rennen wir da immer noch mit ihr durch Höhlen? Gast: Diesmal kommt im Podcast neben den Sprecherinnen Linda Dambacher zu Wort, Philosophin mit einem Schwerpunkt auf moderne Medien und Ästhetik, und Autorin des Beitrags zu Tomb Raider im Game-Studies-Band "50 Zentrale Titel".

Check out Mary's website at:adonnaofsol.us“We Go Deep. You Decide.”Established 2019Please like, subscribe, share and turn on notifications. Your support helps independent conversations like this continue.If you value the work we're doing and are in a position to help, any support toward keeping the Typical Skeptic Podcast going would make a real difference right now. Never obligated—always deeply appreciated.

Timelines are shifting, revealing some amazing new realities. The way you move through this New Earth transition is changing with it. In this episode, I explore what this next phase of ascension may mean for you, and why your role as a lightworker is now evolving. As these shifts continue, staying grounded in your own spiritual awakening journey becomes more important than ever.

Leila Rahimi and Mark Grote wondered if we can trust the Bears' injury timelines.

Check the episode transcript hereABOUT SEAN POGGI Sean is the Asset Manager of Uptown Syndication. He graduated from the University of Oregon with a Bachelor of Science in Business Administration and brings over 14 years of leadership experience with Apple Inc. Sean has been actively investing in real estate since 2015, with experience managing both short-term and long-term rental properties, including out-of-state investments. As a passionate Project Manager and Entrepreneur, Sean is focused on driving operational efficiency, overseeing asset performance, and supporting the long-term success of each investment opportunity.  ABOUT CHRIS SHEPARD Chris Shepard is an experienced real estate investor, property manager, and real estate agent.  He owns property in multiple states and chooses to invest in Portland Oregon.  He has completed multiple 1031 exchanges and cost segregations to maximize the tax benefits of investing in real property.  Chris also holds the principal brokers' license for Uptown Properties LLC and is responsible for its real estate activities.  On top of his state license, Chris holds a Certified Property Manager (CPM) designation from the Institute of Real Estate Management (IREM).  He graduated with a Bachelor of Science in Business Finance at the University of Arizona.  With his extensive background in deal analysis and negotiation, he provides incredible value to this company and its projects.    THIS TOPIC IN A NUTSHELL:  Understanding the Acquisition Stage in Multifamily Syndication How to Source Off-Market & Broker Relationships for Better Deals Building Credibility Through Track Record & Broker Trust The "Napkin Rule" for Quickly Evaluating Investment Opportunities Why Location Still Matters More Than Ever How to Underwrite Multifamily Deals Conservatively Balancing Value-Add Opportunities with Investment Risk Creating a CapEx Budget That Maximizes ROI Bridge Financing vs. Permanent Debt: Choosing the Right Leverage Planning an Effective Value-Add Strategy Before Closing What Happens During the Stabilization Phase Property Management Improvements That Increase Asset Value Cosmetic Renovations That Deliver the Highest Returns Managing Tenant Communication During Property Transitions How to Balance Occupancy, Rent Growth & Cash Flow Overcoming Operational Challenges During Stabilization Measuring Success: When Is a Property Truly Stabilized? The Importance of Communication Across Brokers, Contractors & Property Managers Setting Clear Goals, Timelines & Performance Benchmarks for Every Deal Executing a Value-Add Business Plan That Creates Long-Term Investor Returns  KEY QUOTE:   "A value-add plan creates the roadmap. Execution creates the returns."      ABOUT THE WESTSIDE INVESTORS NETWORK   The Westside Investors Network is your community for investing knowledge for growth. For real estate professionals by real estate professionals. This show is focused on the next step in your career... investing, for those starting with nothing to multifamily syndication.   The Westside Investors Network strives to bring knowledge and education to real estate professionals that is seeking to gain more freedom in their life. The host AJ and Chris Shepard, are committed to sharing the wealth of knowledge that they have gained throughout the years to allow others the opportunity to learn and grow in their investing. They own Uptown Properties, a successful Property Management, and Brokerage Company. If you are interested in Property Management in the Portland Metro or Bend Metro Areas, please visit www.uptownpm.com. If you are interested in investing in multifamily syndication, please visit www.uptownsyndication.com.     We would like to thank our Sponsors: OffsitePros and MyMoneyWorksForMe  #RealEstateInvesting #MultifamilyInvesting #RealEstateSyndication #ApartmentInvesting #PassiveInvesting #CommercialRealEstate #MultifamilySyndication #ValueAddInvesting #CashFlowInvesting #RealEstateEducation #InvestorEducation #PropertyManagement #ApartmentSyndication #RealEstatePodcast #PassiveIncome #FinancialFreedom #InvestmentStrategy #DealAnalysis #Underwriting #AssetManagement #CommercialProperty #RealEstateInvestor #SyndicationCycle #InvestmentOpportunities #WealthBuilding #PortfolioGrowth #CashFlow #RealEstateBusiness #RealEstateProfessionals #WINPodcast   CONNECT WITH SEAN AND CHRIS: Sean's LinkedIn: https://www.linkedin.com/in/seanpoggi Email: syndication@uptownpm.com Website: https://www.uptownsyndication.com   CONNECT WITH US   For more information about investing with AJ and Chris:  · Uptown Syndication | https://www.uptownsyndication.com/ · LinkedIn | https://www.linkedin.com/company/71673294/admin/  For information on Portland Property Management:  · Uptown Properties | http://www.uptownpm.com ·  Youtube | @UptownProperties  Westside Investors Network  · Website | https://www.westsideinvestorsnetwork.com/ · Twitter | https://twitter.com/WIN_pdx · Instagram | @westsideinvestorsnetwork · LinkedIn | https://www.linkedin.com/groups/13949165/ · Facebook | @WestsideInvestorsNetwork ·  Tiktok| @WestsideInvestorsNetwork ·  Youtube | @WestsideInvestorsNetwork 

In this deeply activating and mind-expanding episode, Emily sits down with a long-time spiritual hero, best-selling author, and frequency expert, Heather Askinosie. As the co-founder of the legendary brand Energy Muse, Heather brings over 35 years of immersive study under global healers to reveal how combining crystal science, classical Feng Shui, and galactic frequency devices can fast-track your personal transformation at lightspeed. From selling high-end real estate in Southern California to pioneering energy jewelry for celebrities, Heather shares her evolution as an Energy Architect. She breaks down why moving beyond standard 3D limitations, stepping out of repetitive life loops, and taking command of your personal frequency matrix is the ultimate key to thriving in our changing world. In This Episode, We Cover: The Classical Feng Shui Awakening: How learning classical Feng Shui- a system built on precise mathematical calculations rather than mere intuition- first introduced Heather to the hidden energetic architecture of homes and spaces. Soul-Level Stone Readings: Heather recounts discovering her innate, past-life ability to read subconscious and superconscious soul stories by interacting with raw crystals. From Crystals to Frequency Generators: Why Heather plateaued in her traditional crystal practice and how discovering Tesla-inspired frequency coils and sacred geometry devices expanded her manifestation and creation capacity. The Science of Environmental Regulation: How placing fixed frequency generators in your home creates a 308-square-foot field that anchors the 7.83 Hz Schumann resonance or 528 Hz DNA repair frequency, keeping your nervous system safe from external chaos. Animals and Babies as Frequency Trackers: The non-biased evidence of frequency technology- how horses, dogs, and sleeping babies respond instantly to scalar and vibrational fields. Stepping Off the Repetitive Life Loop: How high-frequency tools help you cut the cords to old storylines and habits so you can jump directly onto your target timeline without getting bogged down in past drama. The 2027 Conscious Evolution: Heather's perspective on the incoming generation of highly intuitive "Rave" children and why lightworkers must commit to daily 11-minute calibration protocols to stay grounded as planetary frequencies shift. The Reality Timeline Jump When you get stuck in repetitive human patterns, working with environmental frequency tools helps you break out of old loops and anchor directly into your ideal timeline. Key Takeaways & Daily Practices The Theme: Sovereignty over your environment and inner frequency. The Mantra: "Easy mode on. Luck mode on. I am the creator of my reality, and I choose to align with the highest light and truth today." The Practice: The 11-Minute Morning Calibration. Every morning, give yourself 11 uninterrupted minutes to regulate your field. Whether through breathwork, crystals, or frequency tools, set your baseline frequency before stepping out into the world. Connect with Heather Askinosie & Energy Muse Shop Energy Muse: Explore vibrational jewelry, crystal formulas, and transformative tools at: https://tidd.ly/3R7dhKY and get 10% off with code MYSTIC Frequency Generators: Check out the latest fixed-frequency generators and energy tools at https://tidd.ly/4gZ2pcB and get 10% off with code MYSTIC Instagram: Follow Heather and the team for daily energetic wisdom @energymuse. Ready to jump your timeline? Take a screenshot of this episode, share it to your Instagram stories, tag @emilythemystic and @energymuse, and let us know your favorite takeaway! The portal is officially closed. ------------------------------------ Work with Emily

Hi everyone,What if the life you want already exists—and your job isn't to create it, but to align with it?In this episode, we're exploring the ideas of quantum jumps and switching timelines, inspired by concepts in quantum theory and stories like Dark Matter. We'll look at the possibility that the version of you who already has the relationship, career, confidence or abundance you desire already exists as a way of thinking about personal change. Rather than trying to force your dreams into reality, what if your focus was on becoming the version of you for whom they feel normal?We'll explore identity, possibility, and how changing your thoughts, beliefs and actions can help you move towards the future you truly want.For 1:1 coaching email: victoria@victoriamaskell.comTo explore the membership (The Manifestation Room) click hereWebsite: www.victoriamaskell.comInstagram: www.instagram.com/victoria.maskell

Are injuries wrecking your fantasy football roster? In this episode of the Mind of Mansion, we deliver an in-depth fantasy football injury analysis to help you make winning roster decisions this week. Deepak Chona from PlayerProfiler joins The Podfather to discuss NFL injuries and how to minimize injury risk in fantasy football drafts. We break down the latest fantasy football injury reports, medical recovery timelines, and real-life fantasy impact for top stars including Jonathon Brooks, Tank Dell, and Malik Nabers. Learn who to draft, who to trade, and the best waiver wire pickups and replacement targets to save your season.

Get the 200+ Page Optimal Living Daily Workbook (PDF) - Free. Want to turn today's episode into an actionable plan? Join the Optimal Living Weekly newsletter and I'll send you our 200-page digital workbook immediately. It's packed with the best takeaways from the show, formatted for easy reading and implementation at home. Get your free PDF workbook here: https://oldpodcast.eo.page/join Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 4112: Benjamin Hardy argues that fast personal growth does not come from an easy road. Using the image of a truck that only gets traction once it is loaded down, he explains why responsibility and opposition are what actually move you forward, and why the way you respond matters more than the conditions you are handed. It is a bracing piece of personal development for anyone waiting for things to get lighter before they start. Read along with the original article(s) here: https://bettermarketing.pub/the-harsh-truth-of-rapid-personal-growth-411db1934fd8 Optimal Living Daily is a daily personal development and self-improvement podcast where we narrate the best self-help articles on minimalism, productivity, and intentional living, read to you by a professional narrator so you can live your best life a little more every day. Learn more about your ad choices. Visit megaphone.fm/adchoices

Get the 200+ Page Optimal Living Daily Workbook (PDF) - Free. Want to turn today's episode into an actionable plan? Join the Optimal Living Weekly newsletter and I'll send you our 200-page digital workbook immediately. It's packed with the best takeaways from the show, formatted for easy reading and implementation at home. Get your free PDF workbook here: https://oldpodcast.eo.page/join Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 4112: Benjamin Hardy argues that fast personal growth does not come from an easy road. Using the image of a truck that only gets traction once it is loaded down, he explains why responsibility and opposition are what actually move you forward, and why the way you respond matters more than the conditions you are handed. It is a bracing piece of personal development for anyone waiting for things to get lighter before they start. Read along with the original article(s) here: https://bettermarketing.pub/the-harsh-truth-of-rapid-personal-growth-411db1934fd8 Optimal Living Daily is a daily personal development and self-improvement podcast where we narrate the best self-help articles on minimalism, productivity, and intentional living, read to you by a professional narrator so you can live your best life a little more every day. Learn more about your ad choices. Visit megaphone.fm/adchoices

Get the 200+ Page Optimal Living Daily Workbook (PDF) - Free. Want to turn today's episode into an actionable plan? Join the Optimal Living Weekly newsletter and I'll send you our 200-page digital workbook immediately. It's packed with the best takeaways from the show, formatted for easy reading and implementation at home. Get your free PDF workbook here: https://oldpodcast.eo.page/join Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 4112: Benjamin Hardy argues that fast personal growth does not come from an easy road. Using the image of a truck that only gets traction once it is loaded down, he explains why responsibility and opposition are what actually move you forward, and why the way you respond matters more than the conditions you are handed. It is a bracing piece of personal development for anyone waiting for things to get lighter before they start. Read along with the original article(s) here: https://bettermarketing.pub/the-harsh-truth-of-rapid-personal-growth-411db1934fd8 Optimal Living Daily is a daily personal development and self-improvement podcast where we narrate the best self-help articles on minimalism, productivity, and intentional living, read to you by a professional narrator so you can live your best life a little more every day. Learn more about your ad choices. Visit megaphone.fm/adchoices

Send us Fan MailThis week on Bookish Flights, I'm joined by New York Times bestselling author Rhys Bowen to discuss her latest novel, The Castle in the Glen. We explore the inspiration behind the story, why the Isle of Skye was the perfect setting, and how Rhys layers mysteries "like peeling away the layers of an onion."Rhys also shares why she always travels to every location she writes about, how switching between her beloved mystery series and standalone novels keeps her creatively energized, and why returning to longtime characters feels like attending a high school reunion with old friends. Rhys' book flight includes dual-timeline novels.Episode Highlights:The inspiration behind The Castle in the Glen and writing a novel in another author's voiceWhy the Isle of Skye became the perfect settingHow traveling to each setting shapes her storytellingThe differences between writing standalone novels and a long-running seriesWhy revisiting recurring characters feels like reconnecting with old friendsWhy she believes she'll always have more stories than she can writeConnect with Rhys:WebsiteFacebookSome links are affiliate links, which are no extra cost to you but do help to support the show.Books and authors mentioned in the episode:Tony Hillerman booksAgatha Christie booksThe Lord of the Rings by J.R.R. TolkienMolly Murphy series by Rhys BowenJane Eyre by Charlotte BronteThe Chateau on Sunset by Natasha LesterBook FlightThe Book of Lost and Found by Lucy FoleyThe Restoration Garden by Sara BlaydesHomecoming by Kate Morton✨ Find Your Next Great Read! We just hit 175 episodes of Bookish Flights, and to celebrate, I created the Bookish Flights Roadmap — a guide to all 175 podcast episodes, sorted by genre to help you find your next great read faster.Explore it here → www.bookishflights.com/read/roadmapSupport the showBe sure to join the Bookish Flights community on social media. Happy listening!InstagramFacebookWebsite

Today we dive into Self-Storage investments.My guest is Clint Harris. Clint is a former medical sales professional turned real estate investor and co-host of the podcast, Truly Passive Income. After spending 16 years working alongside physicians and clinical teams, Clint gained firsthand insight into the demanding schedules, pressures, and financial challenges healthcare professionals face. While still working full time in medical sales, Clint began building passive income through real estate investing, ultimately transitioning into large-scale commercial projects. Today, he is a General Partner at Nomad Capital, where he helps develop and operate cash-flowing commercial assets and has helped raise capital for over $150 million in stabilized properties. Clint now focuses on educating busy medical professionals on how to invest passively - allowing them to continue practicing medicine while their money works for them. His approach emphasizes simplicity, diversification, and long-term financial stability without sacrificing time or patient care  Discussion points:- Clint's introduction and exposure to storage investing (2:30)- meeting his partners (10:01)- Nomad Capital (13:00)- Mid-long term storage thesis (15:49)- Optimizing margins in storage (24:43)- Cost control measures (29:24)- Occupancy trends in storage (32:56)- Headwinds & tailwinds (35:21)- Syndications & the tough questions to ask (38:22)- Timelines (44:32)- Closing thoughts (46:11)Clint Harris:Website:  https://nomadcapital.usLinkedIn: www.linkedin.com/in/clint-harris-543265139 YouTube: https://www.youtube.com/channel/UCe0F1abrRXQX2KpSl5qEnoA Podcast: https://podcasts.apple.com/us/podcast/truly-passive-income/id1693667029 Yatin Chadha:Newsletter: https://www.beyondmd.ca/newsletterWebsite: https://www.beyondmd.ca/LinkedIn: https://www.linkedin.com/in/yatin-chadha/Email: yatin@beyondmd.ca

Both Silicon Valley and the public can't get enough of ‘AGI timelines.' But Toby Ord, senior researcher at Oxford's AI Governance Initiative and author of The Precipice, believes we consistently make big mistakes when thinking about them. He lays out the 14 ways he most often sees people go wrong:Assuming AI research is just hill-climbingImagining AI research is just programmingForecasting “could” instead of “will”Believing the current benchmark is the last oneExtrapolating trends with no clear finish lineAssuming inputs keep scaling at the same rateConflating intelligence with capabilityConsuming point estimates and discarding the error barsDismissing dissenting expertsForecasting very different things while using the same wordsAssuming capabilities arrive togetherTreating “we don't know” as permission to carry on as usualChoosing a plan that minimises regret rather than maximises impactTrusting surface model impressivenessIn this extended conversation with Rob Wiblin, Toby also explains why he thinks:AI self-improvement is uniquely dangerous in four ways, but also might not even workA ban on superintelligence is possibleA US-China treaty on superintelligence is also possibleThe case for ‘broad timelines'Transformative AI is likely a decade awayWe should just ban unmonitorable chain-of-thought today.This episode was recorded on July 2, 2026.Links to learn more, video, and full transcript: https://80k.info/to26Want to get up to speed on AI? We've got a crash course of 10 of our podcast episodes designed to help you get to grips with transformative AI — particularly if you're new to the topic — and what you can do to help shape its trajectory.Chapters:Toby Ord is back — for the 5th time! (00:00:00)AI self-improvement might not matter (00:00:14)4 ways AI self-improvement is dangerous (00:12:39)A US-China treaty on superintelligence is possible (00:20:47)Could we ban superintelligence? (00:37:07)We should just ban unmonitorable chain of thought (00:57:46)Why Toby thinks AGI is a decade away (01:09:28)Even superintelligence needs work experience (01:17:50)Is AI coming for mathematicians? (01:32:22)The case for broad timelines (01:45:01)How should broad timelines change what we do? (02:22:24)Are current models all they're cracked up to be? (02:31:03)Coordinating careers for different timelines (02:43:36)Our production team includes:Video editors: Josh Alward, Dominic Armstrong, Ollie Bignell, Andrés Escobar, Jasper Luithlen, Milo McGuire, Luke Monsour, and Simon MonsourProducers: Elizabeth Cox and Nick StocktonCoordination and support: Katy Moore and Lou MoranCamera operator: Jeremy ChevillotteMusic: CORBIT

Last October, famed coder Andrej Karpathy called AI agents “slop.” Two months later he completely reversed his view, calling agents “alien tools” that are “rocking the profession.”He was far from alone in his whiplash. Six months ago, host Rob Wiblin recorded a video explaining why so many AI experts had longer timelines to AGI than a year earlier. By the time he clicked publish, another huge vibe shift was well underway. Evidence of AI acceleration has piled up since:Models now complete software engineering tasks that would take human professionals a full day — improving faster than our measurements can even keep up. Anthropic's revenue is growing at an annualised 8,400%, a trend so steep it would hit the whole world's GDP in 2028 if it continued.AI models are making breakthroughs in famous mathematics puzzles.And according to Anthropic, Claude now writes 80% of their code and is itself a key contributor to making itself smarter. While legitimately impressive, Rob isn't entirely sold. Going through each point carefully he finds this evidence is less decisive than it looks at first glance.And key gaps remain, such as models struggling with complex, real-world tasks. He tours the odd experiments that remain our best attempts to measure that gap: vending machine simulators, an “AI Village” that organises live events, and a real cafe and shop where AI managers are left to do their best handling staff, suppliers, and government paperwork on their own.Rob argues that the nature of the gap between clean and messy work is one of the four biggest unresolved questions in AGI forecasting.In today's piece he explains that, the three other key disagreements between AGI bulls and bears, the seven big pieces of evidence we've gotten about AGI timelines in 2026, and his updated timelines to AGI.Links to learn more, video, and full transcript: https://80k.info/2026-timelines This episode was written and recorded before OpenAI's AI agents hacked Hugging Face. You can read about the incident on our Substack.This episode was recorded on July 3, 2026.Chapters:What the hell happened? (00:00)Vibe shift (01:17)Exhibit 1: AI revenue explodes (04:33)Exhibit 2: That METR graph (09:54)Exhibit 3: AI capabilities jump, then flatten out (14:57)Exhibit 4: AI starts to build itself… maybe (17:35)Exhibit 5: AI still struggles to run a business (23:02)Exhibit 6: OpenAI makes a maths breakthrough (33:48)Exhibit 7: inference scaling wasn't as big as believed (38:19)How does that all change timelines? (41:41)Four reasons long timelines are still possible (44:26)It's time to limit dangerous research practices (48:01)Our production team includes:Video editors: Josh Alward, Dominic Armstrong, Jasper Luithlen, Milo McGuire, Luke Monsour, and Simon MonsourProducers: Elizabeth Cox and Nick StocktonCoordination and support: Katy Moore and Lou MoranCamera operator: Dominic ArmstrongMusic: CORBIT

This month brought a relentless barrage of explosive cover-ups, deep-state collusion, and critical revelations that the regime's fake-news apparatus refuses to touch. From exposing the hidden Fort Huachuca timelines and tearing down the fraudulent narratives surrounding high-profile assassinations to blowing the lid off NDAA provisions forcing foreign technology into American military hardware, we've tracked every single betrayal they tried to hide from you. This monthly recap delivers an aggressive, line-by-line breakdown of uncensored interviews, courtroom scrambling, rampant censors taking down independent voices, and the treacherous globalist agendas actively dismantling our nation. Catch up on every single bombshell report, exclusive investigation, and live exposé you missed this month—uncensored, uncompromising, and absolutely unapologetic. Celebrate freedom while we still have it. Become an annual member of the Stew Peters Locals community and receive $17 OFF for a limited time. Your membership includes: • Exclusive members-only content • Live chats and community discussions • Behind-the-scenes access • Directly supporting independent, uncensored journalism. Don't wait, his special ends July 31.

Self-care podcast exploring Timelines and Manifestation, Subliminal Messaging and the Subconscious Mind & Benefits of Subliminals With Stephanie Keith. TOPICS:: ** Exploring Timelines and Manifestation (09:03). ** Subliminal Messaging and the Subconscious Mind (24:05). ** Benefits of Subliminals (33:32).   NOTES:: Show notes: amberapproved.ca/podcast/682 Leave me a review at amberapproved.ca/review Email me at info@amberapproved.ca   Take the NEW Free Hormone Imbalance Quiz here: https://amberapproved.ca/hormone-imbalance-quiz    Subscribe to newsletter: https://amber-romaniuk.mykajabi.com/newsletter-sign-up    SHOW LINKS: Click below to schedule a 30 minute Complimentary Body Freedom Consultation https://amberapproved.ca/body-freedom-consultation/  Take my free Emotional Eating Quiz here: http://amberapproved.ca/emotional-eating-quiz Listen to Episode 668 about what it's like to work with me here: https://amberapproved.ca/podcast/668  Follow me on Instagram www.instagram.com/amberromaniuk Youtube Channel: https://www.youtube.com/@amberromaniuk/    ABOUT MY GUEST: Stephanie Keith is the visionary founder of the Law of Attraction Tribe, host of the popular Law of Attraction Tribe Podcast, creator of the revolutionary Manifest it Now app, and a bestselling author. Stephanie uses a quantum approach to manifestation blending the latest in neuroscience, quantum physics, and cutting-edge technology to decode how we can shape reality and unlock our true potential. Using her blueprint for creating your most empowered reality, she helps clients quantum leap into a life of abundance, purpose, and limitless possibility. Website: https://www.thelawofattractiontribe.com/ 8D Collective Peace Activation Audio: https://www.thelawofattractiontribe.com/pl/2148763434 The audio is composed of: 8D Affirmations Creates an immersive listening experience by gently moving sound between ears, which helps quiet mental noise and deepen relaxation. Binaural Beats Uses two slightly different sound frequencies in each ear to encourage the brain to enter calm, focused, or meditative states. Theta Waves Associated with deep relaxation and the state just before sleep — when the subconscious mind is most receptive to new ideas and beliefs. Subliminals Affirmations layered below conscious hearing that help reinforce supportive thought patterns over time through repetition.     MY PARTNERS: Designs For Health Blood Sugar Bundle! One of the hardest parts of overcoming my emotional eating was the INSANE SUGAR and carb cravings. It was the intense sugar and carb cravings. That's why I created my Blood Sugar Bundle with Designs for Health to support your body while you work on emotional eating and breaking binge patterns. It includes chromium for blood sugar balance, L-glutamine to help curb cravings fast, a high-quality probiotic for gut health, and a clean Pure Paleo protein powder to keep you full and stable. I only recommend Designs for Health to my clients because they are third-party tested, family-owned, and use the highest quality ingredients. Quality matters when it comes to truly supporting your body and getting results. Get 30% off The Blood Sugar Bundle in USA and Canada automatically applied at checkout below! Canada Blood Sugar Bundle here for 30% off!  USA Blood Sugar Bundle here for 30% off! You can also get 30% off any Designs for Health supplements anytime, it's my gift to you. Canada: www.designsforhealth.ca  (code AMBER30) USA: www.designsforhealth.com (code AMBER88)

Do you find yourself looking at someone else's life and wondering why your path looks so different?In today's episode, we'll explore the freedom found in embracing the unique assignment that God has given each of us. Drawing insight from Matthew 19:12, the conversation focused on letting go of comparison, accepting our own journey, and trusting in the special grace designed just for us. Together, we'll learn how to release frustration, claim peace in our lane, and celebrate the role only we can fill.Join our community in prayer and devotion today, as we seek contentment and joy in the assignment God has prepared specifically for us.Tap HERE to send us a text! BECOME A FOUNDING "MY MORNING DEVOTIONAL" MEMBERIf you enjoy your 5 minute daily dose of heaven, we would appreciate your support, and we have a fun way for you to partner with the MMD community! We've launched our "Buy Me a Coffee" membership where you can buy us a latte, OR become a founding member and get monthly bonus video episodes! To donate, go to mymorningdevo.co/join! Support the showNEW VIDEO EPISODES! You can watch our new video episodes on YouTube! Watch Our Video DevotionalsNEW TO MY MORNING DEVOTIONAL? We're so glad you're here! We're the Alessis, a ministry family working together in a church in Miami, FL, and we're so blessed to partner with the My Morning Devotional community and continue the great work done by the show's creator and our friend, Alison Delamota.We pray our personal reflections and devotions will empower you to grow your faith in God, and that you'll join us every morning in prayer! JOIN THE MMD COMMUNITYSubscribe to the show on this appShare with a friendJoin our newsletter Follow Us on ⁠Instagram⁠ and ⁠Facebook⁠⁠Leave a reviewMORE PODCASTS YOU'LL ENJOYEnjoy more podcasts from Metro Life Studios, including:The Family Business with The AlessisMen's Morning DevotionalThe Mary and Martha Show Available on our Metro Life Studios app!Get The Metro Life Studios app 

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Risk Aversion and Logistical Timelines for Moon Landings. Rick Fisher and Doug Messier. The Chinesespace program is highly risk-averse to protect the Communist Party's legitimacy. While NASA is "game on," it faces challenges with the Starship lander, which reportedly requires at least 15 refueling launches per mission. China hopes for a manned landing by 2030, while NASA's 2028 timeline remains subject to potential delays. (16)