Podcasts about unstable times

PSA.74:2 Remember thy congregation, which thou hast purchased of old; the rod of thine inheritance, which thou hast redeemed; this mount Zion, wherein thou hast dwelt.We are in the midst of a major spiritual war before the AntiChrist shows up and then Jesus shows up! SO LET'S HAVE FUN SHARING THE WORD TOGETHER !!! FEAR IS A SIN! Let's move our lives into God and receive His rest and peace on all sides no matter how much of a drama queen the Enemy is. BUY MY SUPERNATURAL NOVEL!https://www.amazon.com/Kingdom-Romance-Episode-1-ebook/dp/B07ZRJV6SHDOWNLOAD THE APP!fringeradionetwork.com DON BASHAM MINISTRIES 1,000,000,000 GIVE SEND GO:https://www.givesendgo.com/bashamPAYPAL:spiritforce01@gmail.comBITCOIN:3H4Z2X22DuVUjWPsXKPEsWZmT9c4hDmYvyVENMO:@faithbucksCASHAPP:$spiritforcebucksZelle:faithbucks@proton.mePATREON:Michael BashamHOME BASE SITE:faithbucks.com

Anchored in Unstable TimesTeaching & Prayer with Overseer Azizah MorrisonContinuing the May focus, Anchored, this prayer gathering explores what it means to remain spiritually steady in the midst of pressure, uncertainty, emotional overload, and cultural instability.Building from Hebrews 6, Ephesians 4, Matthew 7, and Psalm 62, Overseer Azizah Morrison teaches that storms do not reveal who is gifted—they reveal who is rooted. An anchored believer does not panic every time conditions change because their life is tied to something stronger than the storm itself.This session confronts spiritual drift, mental exhaustion, emotional instability, and shallow Christianity, calling believers back into depth, steadiness, prayer, conviction, and inward strength.The accompanying prayer includes intercession for personal stability, emotional restoration, renewed focus, and a fervent prayer for the United States of America—asking God for mercy, wisdom, awakening, protection, and revival in the midst of national unrest and uncertainty.This is a call to become believers with roots deep enough to withstand shaking.

Anchored in Unstable TimesTeaching & Prayer with Overseer Azizah MorrisonLaunching the May focus, Anchored, this session calls believers into spiritual stability in the midst of pressure, distraction, uncertainty, and constant upheaval.Drawing from Hebrews 6:18–19, Ephesians 4:14, and Psalm 62:5–6, Overseer Azizah Morrison teaches that being anchored does not mean storms disappear—it means remaining steady while everything around you is shaking. This lesson confronts spiritual drift, emotional instability, mental exhaustion, and the subtle ways believers lose focus in unstable times.Listeners are reminded that the soul cannot remain steady when its expectation is placed in unstable things. True stability is found in the unchanging nature of God.The accompanying prayer calls for renewed focus, emotional steadiness, strengthened conviction, and deeper rooting in God's presence and truth.This is a call to become believers with weight—steady, rooted, and anchored in the midst of shaking.

Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society.   In this episode, Justin interviews SERMC members Suzanne Christensen and Trisha Sqrow about the new RIMS Executive Report they co-authored with Joe Pugh, also of the SERMC, "Board Risk Reporting: How to Deliver Insights that Matter." Suzanne and Trisha share tips for preparing to report to your board, how frequent reporting should be, and the difference between the board's oversight and the executive team's management. Trisha also shares descriptions of her two upcoming RISKWORLD presentations on May 6th. Listen for insight on providing the board with the information they need to support the organization's objectives and strategies.   Key Takeaways: [:01] About RIMS and RIMScast. [:14] Public registration is open for RISKWORLD 2026, which will be held from May 3rd through 6th in Philadelphia. Visit RIMS.org/RISKWORLD to register. [:27] About this episode of RIMScast. Our topic is board reporting and ERM, and our guests are Trisha Sqrow and Suzanne Christensen of the RIMS Strategic and Enterprise Risk Management Council. They've co-authored a new Executive Report. We're going to talk all about it. But first… [:58] RIMS Virtual Workshops. The next RIMS-CRMP Exam Prep Course will be on April 21st and 22nd, and then again on June 9th and 10th. Registration links are in this episode's notes. [1:14] Webinars. On April 16th, Zurich and World Travel Protection will present "Navigating the New Global Risk Landscape: Lessons for Business Travelers in Unstable Times". [1:24] On May 14th, Origami Risk will return with a new session, "Future-Proofing Your Risk Program: Keeping Pace with Scale, Complexity, and Visibility." Register for webinars at RIMS.org/webinars and through the links in this episode's show notes. [1:39] Folks, for more RIMS content, head over to YouTube and subscribe to @RIMSOfficialChannel. There you will find video podcasts, RIMScast Canada video podcasts, and other informative and entertaining content from RIMS. [1:55] Head over to RMMagazine.com for the Q1 Edition of the Azbee-Award-winning publication, RIMS Risk Management Magazine. [2:06] On with the Show! Our guests are Suzanne Christensen and Trisha Sqrow. As members of the RIMS Strategic and Enterprise Risk Management Council, they co-authored the new RIMS Executive Report, "Board Risk Reporting: How to Deliver Insights that Matter." [2:24] Co-authored by Joe Pugh of the AARP, a RIMS Strategic and Enterprise Risk Management Council member, the report provides practical insights and guidance to risk practitioners who report to their organization's board of directors or overarching governance committees. [2:38] The report provides guidance on aligning this reporting with the board's role and expectations, the steps that should be taken to sustain the alignment, and how to ensure reporting provides the board with the appropriate level of detail. [2:52] The link to the report is available in this episode's show notes. You can also visit the Risk Knowledge section of RIMS.org. If you like what you read and you like what you hear today, be sure to hear Patricia and Joe at RISKWORLD on May 6th at 11:30 a.m. in Room 119-AB. [3:11] They will extend the dialog with the session "From Risk Aware to Risk Savvy: Elevating Board-Level Risk Reporting and Engagement." It will undoubtedly be a fantastic session! [3:21] Let's talk about board reporting right now! [3:23] Interview! Suzanne Christensen and Trisha Sqrow, welcome back to RIMScast! [3:31] Suzanne Christensen and Trisha Sqrow have been carrying the torch for the Strategic and Enterprise Risk Management Council at RIMS for years. Now, they are rejoining us on RIMScast. It's a delight to welcome them both back. [3:57] The new RIMS Executive Report, "Board Risk Reporting: How to Deliver Insights that Matter," was co-authored by Suzanne Christensen and Trisha Sqrow, with Joe Pugh, who is also on the Strategic and Enterprise Risk Management Council. [4:15] This paper is available for a limited time exclusively to RIMS members. It will then be open to the public. There's a lot of great information in it, and it gets right to the point. [4:40] Research shows that while many risk professionals believe their reporting supports board decision-making, most boards are still asking for more information and deeper analysis. [4:47] Trisha says, boards are becoming more interested in understanding the risk profile of the organization, what's being done, and how leadership is managing risk, because we are in a complex time. There are so many risks that are not internal. [5:33] The board is asking: How do we look at this, how can we manage what we can, and prepare for and respond to those things that we can't manage, but that could come and hit us? [5:47] Boards are more interested. They have regulatory concerns and requirements, potential liability, and things of that nature. [6:07] Suzanne agrees with Trisha about the complexity in our post-COVID world with the interconnectedness of risks and the unexpected. Regarding the pace of change, Suzanne says hang onto your seats right now, particularly with AI! [6:30] Boards serve a lot of constituents and stakeholders, and they're feeling pressure. They're looking for more insightful analysis. The report gets into how to figure out what is insightful to a board. Justin notes that each board will have a different definition of insightful. [6:58] One board can change over time as different board members bring different dynamics and expectations to the board. The paper has a point about keeping pace with the board. [7:18] The paper makes the point that effective board reporting is not about what risk teams want to say but about what boards need to hear. [7:43] Suzanne breaks down the difference between the need that the board knows and understands, and articulates, and the things they should also know, to be good board members. That takes exploration. There are things the board might not know to ask. [8:10] Risk professionals have knowledge and context. They need to lean in and say, "You're asking for this, and that's super important, but in addition, here are some other things to be aware of." You need to start with a mutual understanding. There's a process to go through. [8:31] Trisha says the risk practitioner has the largest view of the risk profile of the organization. The board is thinking more of strategic goals and objectives, but they do want to know about the risk. Board risk reporting is a matter of working to connect strategy with risk management. [9:07] The risk practitioner can develop a culture of discussion and openness to discuss risks, mitigations, and possible blind spots. [9:26] Suzanne says one of the primary roles of the board is to make sure the firm has the right strategy and they're executing it appropriately. The biggest risk to the board is becoming irrelevant to constituents and clients. Not all key risks to the organization are equal to the board. [9:59] The board spends more time on the strategic risks. When reporting, you can't forget the operating risks. You can summarize them as "Here are some things to look at that we've got covered. So, let's spend more time over here." [10:46] If you don't first build alignment with executive management before engaging with the board, Suzanne says you'll end up with a modern-day Babylon. You won't end up with support from the key risk owners on the strategic side. The owners of the risk are the decision-makers. [11:02] The decision-makers are management and executive management. It has to be their story, and they have to buy in. Risk practitioners are the facilitators to create that alignment so those conversations can be robust, open, and transparent. [11:44] Trisha says the executive leadership team (ELT) is the liaison and connection to the board. Most risk practitioners may not be in all of the board meetings or interacting with the board regularly. The executive leaders probably are. [12:05] The ELT can bridge the gap. They have the relationships and know the personalities of the board members. They understand how the board likes to receive information and can help the risk practitioner develop reports in that way. They can open the line of communication more. [12:28] Trisha says that in her previous work for DFW Airport and others, they did this through the structure of the Enterprise Risk Management program, having a risk council report periodically to the ELT, so they have the information and can go forth with it. [13:17] Suzanne says the best practice is to spend some prep time to get some baseline knowledge and level-setting across, so when you go into those meetings, the conversations will be richer. You're not educating. You're getting right to what you want to focus on in your report. [13:58] There are different methods for doing that, depending on the organization, with its aptitude and appetite. You can do it in a pre-conversation setting, starting with the ELT, so that they're part of that conversation, helping to drive it. That is ideal. [14:21] A Quick Break! RISKWORLD 2026 will be held from May 3rd through the 6th in Philadelphia, Pennsylvania. RISKWORLD attracts more than 10,000 risk professionals from across the globe. It's time to Connect, Cultivate, and Collaborate with them. [14:41] Public registration is open, and booth sales are still available. Links are in this episode's show notes, and be sure to check out RIMS.org for more information. [14:50] We will kick off Day 1 with a conversation with Adam Grant. He is an organizational psychologist, best-selling author, and a leading influential management thinker. [14:59] The excitement continues with the announcement of the closing keynote speaker. NFL Hall of Famer, Super Bowl Champion, Emmy-winning broadcaster, and entrepreneur Michael Strahan will be on the main stage on May 6th. Justin is super stoked! [15:15] If you're still on the fence, this is the time to smash that Register button and hear from one of the all-time greats. [15:23] The RIMS Western Regional Conference will be held from October 4th through the 7th in Seattle, Washington. Registration is open, and you can also submit a session. Visit RIMSWesternRegional.com and the link in this episode's show notes for more information. [15:42] Let's Return to Our Interview with Suzanne Christensen and Trisha Sqrow! [16:10] Suzanne says you want to exude confidence when you initiate a risk dialogue with executive leaders and the board, but you don't want to look so buttoned-up that when something does go bump, they look at you and say they thought you had that covered. [16:42] Trisha says it's very important to build those relationships as you can, so you have direct knowledge of the primary stakeholders you are working with, and so you can communicate better with them and provide good, insightful tidbits of knowledge. [17:10] Boards are to maintain oversight and not get down into the management level. [17:22] Suzanne says good reputational risk management establishes credibility up front, without appearing confident that you can prevent every risk from happening. Something big could happen. You need a good business crisis plan. The board could be involved in a crisis. [18:26] Boards need to be risk savvy, not just risk-aware. The educational part is helping the board understand the organization and the key risks to it. Then they need to be actively engaged so they're asking better questions and leveraging that knowledge to make better decisions. [18:44] That's the evolution you're working on. It's ideal to do some of the educational work up front so you don't have to do it in real-time. It helps to get quickly to the risk-savvy, better decision-making piece. [19:12] Trisha explains the difference between being risk-informed and risk savvy. When you learn risk at the basic level, you know the nuts and bolts. Becoming risk savvy is understanding how it all integrates together. How do we start seeing what risks are interconnected? [19:40] Trisha asks how we see how the external factors that we face in the world could impact our strategic goals and initiatives. You need to mitigate risks, plan, and prepare for them, and think through your overarching organizational resiliency. [20:07] The risk practitioner doesn't just present a list of risks and mitigation plans. They say, here's what we're seeing and how this could impact that. Here are the systemic issues, and talk about what we are doing from that larger perspective. [20:32] Suzanne thinks it's important not to be backward-looking but to have foresight and look around the corner at what's ahead and ask how we can be more nimble as we charge forward. How can we adapt better to the new environment and manage risks in real-time? [20:53] That all helps to build foresight and the ability to think about what could go awry, or what new opportunity we need to take to achieve our goals. These are important points to being risk savvy. [21:29] Suzanne says in some organizations, board reporting is not happening. There is zero cadence. Some organizations report almost quarterly. In those cases, is the board providing oversight or management? [22:06] Consider how much information and what you are reporting; insights beat volume. What are the insights you need the board to know? Determine the level of information the executive team, the audit compliance committee, and the full board need. It's organization-specific. [22:47] Trisha addresses information overload. If you can get some pre-read out there, so that you can then have a conversation, that's ideal. Think about what decisions they need to make to know what information they will need to have in hand to make those decisions. [23:14] The decisions that are being made are different, depending on the group you are reporting to. Strategic decisions are going to need this information; operational decisions will need this other information. [23:39] Another Quick Break! The Spencer Educational Foundation's Risk Manager on Campus application period opened on April 1st, 2026, and it will close on June 30th. Grant awardees, colleges, and universities are typically notified in September. [24:00] The Course Development Grant application deadline for Interval Number 2 will be on June 15th, 2026. Award notifications will be sent out in late July. [24:15] General Grant applications will open on May 1st, 2026, and the application deadline is July 30th. Internship Grant applications open on August 15th and close on October 15th. [24:27] Links to each of these grants are in this episode's show notes. Visit SpencerEd.org for more information. [24:36] Let's Conclude Our Interview with Suzanne Christensen and Trisha Sqrow! [25:21] Justin asks about rightsizing, in terms of reporting. Suzanne says there is a set of goals or objectives behind right-sizing. When you get to the objectives, you can think about how you rightsize for those objectives. What do they need to know to make those decisions? [25:59] Trisha agrees. It goes back to understanding the audience and what they like to see, and saying, here are things that we need decisions on, or we need your thought process on. [26:21] Trisha has two sessions on Wednesday, May 6th, at RISKWORLD. The first one is with Katrina Gilbert from the DFW Chapter, "Kickoff to Resilience: A Case Study in Risk Management Strategies for Major Event Planning," from 10:15 a.m. to 11:15 a.m. [26:49] Fifteen minutes later, Trisha will present "From Risk Aware to Risk Savvy: Elevating Board Level Risk Reporting and Engagement," with co-author Joe Pugh from AARP. [27:12] Trisha says there's a responsibility on the board to know that the program is operating as it should, it's bubbling up information that should be bubbled up, they're getting exception reporting, and they have confidence that it's coming their way; it's not haphazard. [27:44] There is a little bit of time that has to be spent talking about the program and how the board can have confidence in it. It doesn't have to be a long story. It's "Here's what we're focused on. Here's how we know we're good. We've done a benchmark. We know we keep it current." [24:12] Suzanne says you want to enable informed oversight. You want to think through what they would need so that they can provide oversight to you. [28:18] You need forward thinking, looking at not only what's happening now, but also at what the potential emerging risks are. What are we watching for? How are we preparing for those things? Work to engage the board as you go forward. [28:33] Trisha says to get feedback on an ongoing basis. It's helpful to do annual surveys, but it's also asking in real-time, "Does this make sense; are you getting what you need?" [28:49] You can tell, based on the engagement, the level of discussion, and their questions. They should be asking insightful questions. That allows you to tell a deeper story because they're obviously interested in it. It's not a one-and-done. [29:30] Trisha says it's an honor to be able to speak at RISKWORLD or any RIMS event. She thanks the RIMS team, the SERMC, and others across the committees that selected the sessions. She is really excited to have the opportunity to do both sessions. [29:51] The "Large Event Planning" session will focus on what the DFW Airport has done to prepare for the FIFA World Cup, considering what it looks like to apply enterprise risk management to something of this magnitude and scale. [30:11] Katrina will do a case study, and Trisha will talk about higher-level issues. [30:17] The "Board Reporting" session will showcase the executive report just published that she co-authored. Trisha's excited. She understands her commute is just next door, which helps a lot since they are just 15 minutes apart. [30:43] Justin says we appreciate both of you for all the contributions you've made to RIMS through the years. I look forward to seeing you at RISKWORLD. Thank you for being such wonderful champions of the Strategic and Enterprise Risk Management Council here at RIMS! [31:04] Special thanks again to Trisha Sqrow and Suzanne Christensen for joining us on RIMScast. Check out the new RIMS Executive Report, "Board Risk Reporting: How to Deliver Insights that Matter." The link is in this episode's show notes and at RIMS.org/risk-knowledge. [31:24] The dialogue about board reporting and this executive report will be extended at RISKWORLD on May 6th. Trisha and her other co-author, Joe Pugh of AARP, will lead the session "From Risk Aware to Risk Savvy: Elevating Board-Level Risk Reporting and Engagement." [31:42] That session will be held in Room 119-AB. Prior to that session, Trisha will be co-presenting the session "Kickoff to Reslience: A Case Study in Risk Management Strategies for Major Event Planning," in Room 118-BC with her former DFW colleague, Katrina Gilbert. [32:04] If you haven't done so already, be sure to register for RISKWORLD at RIMS.org/RISKWORLD.  [32:10] Plug Time! You can sponsor a RIMScast episode for this, our weekly show, or a dedicated episode. Links to sponsored episodes are in the show notes. [32:39] RIMScast has a global audience of risk and insurance professionals, legal professionals, students, business leaders, C-Suite executives, and more. Let's collaborate and help you reach them! Contact pd@rims.org for more information. [32:57] 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. [33:15] 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. [33:31] 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. [33:45] 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. [33:57] Practice good risk management, stay safe, and thank you again for your continued support!   Links: RISKWORLD 2026 Registration — Open for exhibitors, members, and non-members! Reserve your booth at RISKWORLD 2026! Board Risk Reporting: How to Deliver Insights That Matter: Press Release | Download Paper Spencer Educational Foundation — Scholarships and Grants | Open Calls and Timelines. RIMS-CRO Certificate Program In Advanced Enterprise Risk Management | July‒Sept. 2026 Cohort | Led by James Lam RIMS Western Regional Conference — Oct. 4‒7, 2026 | Seattle, WA | Register Today and Submit an Educational Session! RIMS Risk Management magazine | Contribute RIMS Now RIMS-Certified Risk Management Professional (RIMS-CRMP) | Insights Video Series Featuring Joe Milan! The Strategic and Enterprise Risk Center RIMS Diversity Equity Inclusion Council RIMS-CRMP Story, featuring John Button RIMScast Canada — Episodes Now Live RISK PAC | RIMS Advocacy Upcoming RIMS-CRMP Prep Virtual Workshops: RIMS-CRMP Exam PrepApril 21‒22, 2026 | June 9‒10 Full RIMS-CRMP Prep Course Schedule See the full calendar of RIMS Virtual Workshops   Upcoming RIMS Webinars: "Navigating the New Global Risk Landscape: Lessons for Business Travelers in Unstable Times" | April 16 | Presented by Zurich and World Travel Protection "Future-Proofing Your Risk Program: Keeping Pace with Scale, Complexity, and Visibility" | May 14 | Presented by Origami Risk RIMS.org/Webinars   Related RIMScast Episodes: "James Lam on ERM, Strategy, and the Modern CRO" "Risk Quantification Through Value-Based Frameworks" (2024) "The Value of Risk Management: Inside the RIMS 2025 Compensation Survey" "The Future of Strategic Risk Management" "Presilience and Cognitive Biases with Dr. Gav Schneider and Shreen Williams" "RIMS ERM Global Award of Distinction 2025 Winner Sadig Hajiyev — Recorded live from the RIMS ERM Conference in Seattle!" "Risk Rotation with Lori Flaherty and Bill Coller of Paychex" "Energizing ERM with Kellee Ann Richards-St. Clair" "Talking ERM: From Geopolitical Whiplash to Leadership Buy-In" "Tom Brandt on Growing Your Career and Organization with ERM"   Sponsored RIMScast Episodes: "Secondary Perils, Major Risks: The New Face of Weather-Related Challenges" | Sponsored by AXA XL (New!) "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 guests: Suzanne Christensen, RIMS Strategic and Enterprise Risk Management Council Trisha Sqrow, RIMS Strategic and Enterprise Risk Management Council   Production and engineering provided by Podfly.

Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society.   In this episode, Justin interviews Kiersten Cash regarding the May 6th RISKWORLD session that she is co-presenting with Frank Wickersham, a Workers' Comp defense attorney, "Reefer Madness: Still in the Weeds with Medical Marijuana and Workers' Compensation Insurance, Legal, and Regulatory." Kiersten shares the biggest misconception risk professionals have about medical marijuana in Workers' Comp. She discusses the conversation around cannabis and workplace injury. Justin and Kiersten talk about the growing patchwork of state laws on cannabis and what risk managers should be paying close attention to right now. Kiersten explains the concerns about Workers' Comp paying for medical marijuana. She gives a preview of what to expect in her RISKWORLD session. Listen for insights about the problems of marijuana as a treatment option in Workers' Comp.   Key Takeaways: [:01] About RIMS and RIMScast. [:14] Public registration is open for RISKWORLD 2026, which will be held from May 3rd through 6th in Philadelphia. Visit RIMS.org/RISKWORLD to register. [:27] About this episode of RIMScast. Our guest is Kiersten Cash. She is the Senior Manager for Workers' Compensation and General Liability at the Children's Hospital of Philadelphia. She's going to talk to us all about medical marijuana and Workers' Compensation Claims. But first… [:58] RIMS Virtual Workshops. The next RIMS-CRMP Exam Prep Course will be on April 21st and 22nd, and then again on June 9th and 10th. Registration links are in this episode's notes. [1:14] On April 15th, we have a virtual workshop covering "Emerging Risks", led by Joseph Mayo. Register today and strengthen your risk knowledge. RIMS members always enjoy deep discounts on the virtual workshops. [1:29] Webinars. On April 16th, Zurich and World Travel Protection will present "Navigating the New Global Risk Landscape: Lessons for Business Travelers in Unstable Times". Register for webinars at RIMS.org/webinars and through the links in this episode's show notes. [1:47] Folks, for more RIMS content, head over to YouTube and subscribe to @RIMSOfficialChannel. There you will find video podcasts, RIMScast Canada video podcasts, and other informative and entertaining content from RIMS. [2:02] Head over to RMMagazine.com for the Q1 Edition of the Azbee-Award-winning publication, RIMS Risk Management Magazine. [2:15] On with the Show! Our guest today is the Senior Manager for Workers' Compensation and General Liability at the Children's Hospital of Philadelphia, Kiersten J. Cash. She's here to discuss what's going on with medical marijuana and Workers' Compensation claims. [2:31] This will serve as a bit of a preview of her session at RISKWORLD on May 6th at 10:15 a.m. in Room 120-BC, "Reefer Madness: Still in the Weeds with Medical Marijuana and Workers' Compensation." [2:43] We will discuss whether cannabis is still an effective treatment for chronic pain due to workplace injury and what could happen if the U.S. Government were to change its schedule from number 1 to number 3. [2:54] We're going to learn about Kiersten's fascinating work and her career. Let's get to it! [3:00] Interview! Kiersten Cash, MBA, welcome to RIMScast! [3:23] Kiersten is with the Children's Hospital of Philadelphia, or CHOP. Kiersten Cash has a session at RISKWORLD, "Reefer Madness." [4:27] Kiersten has been in the world of Workers' Comp for a little over 20 years. She started as an adjuster. She adjusted national market claims and middle market claims for 10 years. Then she went to the broker side. [4:46] She managed the claim program for the broker's largest client at the time, along with 23 other claim programs, covering all lines of insurance. Next, Kiersten worked for Devereux Advanced Behavioral Health, a residential treatment facility. [5:06] Then Kiersten moved to CHOP, where she manages all of Workers' Comp, General Liability, and Auto for the health system. [5:22] Kiersten says Workers' Comp is one of those industries where you kind of fall into it. In the final year of her graduate program, she needed a job. She met someone who worked at Liberty Mutual, who said they were hiring claims adjusters. She took the job. [5:44] Kiersten says she tried to get out of this industry on numerous occasions, but the industry apparently loves her too much. She's glad she stayed because she really likes where she has ultimately landed, CHOP. [6:52] Kiersten is a member of the Delaware Valley Chapter of RIMS, the oldest RIMS chapter. RIMS is 76 years old. The chapter is 75 years old. Chapter President Tom Armstrong was on RIMScast recently, excited about all the cool things the host chapter is doing for RISKWORLD. [7:44] Justin asks what Kiersten feels is the biggest misconception risk professionals have about medical marijuana and Workers' Compensation. She thinks the biggest misconception is that there is a difference between medical marijuana and recreational marijuana. [8:18] Kiersten says, as an employer, we do not want a trace in our employees' system while working, whether prescribed by a doctor or not. Legalizing marijuana for medicinal use does not excuse an employee from being impaired at work. [8:36] Kiersten thinks that, down the pike, this will cause a major conflict as this continues to be a topic of conversation. Kiersten hopes to dispel that misconception in this episode of RIMScast and in her presentation at RISKWORLD. [9:12] Kiersten says she has not had to have this conversation at CHOP from a Workers' Comp perspective, as they have not seen an influx of chronic pain or severe injuries in her tenure. That's good from the employer's perspective, as injuries are under control. [9:38] Kiersten says that when we get into back surgeries, shoulder surgeries, or other major surgeries, she definitely sees this conversation becoming an issue. [9:53] Kiersten says she is very good at interacting with the medical providers involved in her program. If medical marijuana were to become a treatment option, Kiersten would need to sit down with the pain management specialist or physician to talk about it, so it is monitored. [10:29] The goal is not to put an employee on medical marijuana and keep renewing the card so they're just out there, collecting marijuana. There has to be a treatment plan with a target date. [10:53] The goal of Workers' Compensation is always either to get the employee back to work or to their baseline, so they can function in society as a human being. [11:06] Kiersten has not had to deal with prescription opioid claims, thankfully. In her adjuster days, she has seen situations where opioids have been out of control. There were times when she would propose detox programs for employees who were addicted to opioids. [11:32] It would start with something like a back surgery. The employee was still in pain, and instead of addressing the cause of the pain, they would get opioids and end up getting addicted to them to the point that weaning off the opioids was not an option. [11:55] Talking about medicinal marijuana, could marijuana have the same effect? That's one thing we are not sure of right now. [12:25] Justin notes that opioid addiction often leads to huge nuclear verdicts and settlements, some of which are still being litigated. [12:47] Kiersten brings up the socioeconomic factor of the claim. You can't say, this person had back surgery; this is going to be a situation where they're going to be addicted to medical marijuana, or they're going to be addicted to opioids. [13:08] In her 20 years in the industry, Kiersten has seen that the motivation and the socioeconomic status of the employee, and their need to get back to normal, will always play a factor in whether this becomes an issue or is just something they have to do after surgery. [13:48] Kiersten has worked with plenty of employees who have had surgery, used opioids for three to five days, and asked what they can have instead, because they don't like this medication. That's something to take into account when having this conversation. [14:17] Kiersten talks about reimbursement costs and how long the payment would be required for medicinal marijuana, if approved. Is the medical marijuana prescribed for the work accident or for a pre-existing chronic condition that they claim was aggravated by the injury? [15:11] A Quick Break! RISKWORLD 2026 will be held from May 3rd through the 6th in Philadelphia, Pennsylvania. RISKWORLD attracts more than 10,000 risk professionals from across the globe. It's time to Connect, Cultivate, and Collaborate with them. [15:27] Booth sales are open now. General registration and speaker registration are also open right now. Marketplace and hospitality badges are now available. Links are in this episode's show notes, and be sure to check out RIMS.org for more information. [15:45] Our guest today, Kiersten Cash, will be a session speaker at RISKWORLD. We are excited for her and also for our just-announced closing keynote, NFL Hall of Famer, Super Bowl Champion, Emmy-winning broadcaster, and entrepreneur, Michael Strahan. [16:09] Michael Strahan will be on the main stage on May 6th. Justin is super stoked! If you're still on the fence, this is a fine time to smash that Register button and hear from one of the all-time greats. [16:21] The RIMS Western Regional Conference will be held from October 4th through the 7th in Seattle, Washington. Registration is open, and you can also submit a session. Visit RIMSWesternRegional.com and the link in this episode's show notes for more information. [16:41] Let's Return to Our Interview with Kiersten Cash of the Children's Hospital of Philadelphia!  [16:49] On May 6th, Kiersten Cash will deliver the session at 10:15 a.m. in 120-BC, "Reefer Madness: Still in the Weeds with Medical Marijuana and Workers' Compensation." Kiersten will co-present with Frank Wickersham, a Workers' Comp defense attorney with Marshall Dennehy. [17:17] Kiersten says that after the presentation, she and Frank will leave time for Q&A. Kiersten says that audience participation makes her feel like she did her job. [18:07] Kiersten asks, why should the employer ever have to pay for marijuana. If an employer starts paying for medicinal marijuana for employee A, B, and C, they'll tell their friends they got a medical card after a work injury, CHOP is paying for it, and this is all you have to do to get it. [19:13] That can become a big issue. Kiersten thinks the biggest thing is for the employer to control what they will pay for, if they have to pay for anything, and to keep it contained, so people who are not hurt but want free medicinal marijuana do not become an issue for Workers' Comp. [20:14] In Pennsylvania, there is a mental-mental claim. People can initiate a mental-mental claim, for example, if they get into a dispute with a co-worker and don't feel comfortable coming to work because they don't want to work with said co-worker. [20:31] Mental-mental claims are very hard to prove. In Pennsylvania, nine times out of 10, they are denied. The burden of proof is on the employee to show that their mental issue is from a condition that arose out of something that happened at work. [21:08] Different states may have different laws that affect Workers' Comp. Kiersten always pays attention to what is going on in the Tri-State Area and the Mid-Atlantic Region. If something passes in one state, it might be about to pass in the next state. [21:50] Justin asks about Cannabis potentially shifting from a Schedule I to a Schedule III drug. Kiersten has not heard of that happening in Pennsylvania. Schedule III classifies a drug as having a medicinal benefit, as long as it's prescribed by a physician. [22:32] If the treating physician for the work injury prescribes a Schedule III medicine, the employer could be responsible for ongoing payment indefinitely. [22:48] Schedule I drugs are not classified as having a medicinal benefit and are considered highly addictive, similar to heroin and LSD. [23:03] Another Quick Break! The Spencer Educational Foundation's Risk Manager on Campus application period opened on April 1st, 2026, and it will close on June 30th. Grant awardees, colleges, and universities are typically notified in September. [23:24] The Course Development Grant application deadline for Interval Number 2 will be on June 15th, 2026. Award notifications will be sent out in late July. [23:39] General Grant applications will open on May 1st, 2026, and the application deadline is July 30th. Internship Grant applications open on August 15th and close on October 15th. [23:51] Links to each of these grants are in this episode's show notes. Visit SpencerEd.org for more information. [24:00] Let's Conclude Our Interview with Kiersten Cash of the Children's Hospital of Philadelphia! [24:12] Kiersten is a department of two: herself and her Workers' Comp Specialist. They run the program together. [24:39] Kiersten mainly talks to managers, as she does a lot of accident investigation. Kiersten utilizes Teams a lot to establish relationships with the managers. They have a lot of videoconference calls. [24:55] They send a lot of emails back and forth, but her initial contact with everybody is through Teams, so they know who Kiersten is and what she looks like. She sets up tours and in-person meetings with staff, so they're comfortable with her, and she builds rapport. [25:20] If something is going on, Kiersten will go into the office and attend whatever meeting she needs to attend. The biggest way Kiersten gets to know a department is by setting up a meeting to do either shadowing or a tour of the department. [25:37] CHOP is a large organization. Once Kiersten visits a department, and everybody knows her, they're more comfortable with her when it comes to somebody getting injured. [25:57] Kiersten establishes herself as a contact so that for anything about Workers' Comp, they know to reach out to her. [26:26] Kiersten also has vendors that help CHOP navigate claims. She builds and maintains vendor relationships as part of her job. She goes to vendor locations, tours their facilities, and meets the staff. [26:57] Kiersten meets her nurses in person. Kiersten has met in person every nurse who works on her program. She has spoken to them, and they understand how the program is run. [27:09] Kiersten has a very good relationship with all of the outside vendors who manage her program, so that everybody is on the same page and everybody knows what the common goal is for each claim. [27:47] Kiersten's advice for the next generation of risk professionals is that Workers' Comp is absolutely the best line of insurance to learn with and hit the ground running in the industry. [28:03] With Workers' Compensation, you learn about legal, medical, how to pay somebody's wage benefits when they're out of work, what's related to work, and what's not related to work.  [28:22] You learn how to decipher a claim. You learn how to investigate properly, to understand what you should be paying for, and what you should not be paying for. Workers' Comp is very complex. Trust the process. [28:48] Being a claims adjuster is hard work, but it is only the first step to getting into a much bigger world of risk management. Kiersten says if she had not adjusted claims for 10 years, she would not be able to do the job that she has now. [19:07] Understand that there is a reason for everything that happens in your career, and that you're not stuck. If a door closes in your face, understand that just because that door closes, it doesn't mean another door will not open. [29:37] Michael Strahan is the RISKWORLD closing keynote on May 6th. Kiersten will be there. Is she stoked to see Michael Strahan? Kiersten's an Eagles fan, but back in the Strahan days, she would only watch the New York Giants just for him. It's exciting that he's there! [30:20] Justin says it has been such a delight to finally meet you and to have you on our show. Everyone out there, please remember to go to Room 120-BC for "Reefer Madness: Still in the Weeds with Medical Marijuana and Workers' Compensation," at 10:15 a.m. on May 6th. [30:53] Special thanks again to Kiersten Cash of the Children's Hospital of Philadelphia. Check out her session, "Reefer Madness: Still in the Weeds with Medical Marijuana and Workers' Compensation," at RISKWORLD on May 6th at 10:15 a.m. in Room 120-BC. [31:18] Register at RIMS.org/RISKWORLD today. [31:22] Plug Time! You can sponsor a RIMScast episode for this, our weekly show, or a dedicated episode. Links to sponsored episodes are in the show notes. [31:50] RIMScast has a global audience of risk and insurance professionals, legal professionals, students, business leaders, C-Suite executives, and more. Let's collaborate and help you reach them! Contact pd@rims.org for more information. [32:08] 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. [32:26] 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. [32:42] 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. [38:56] 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. [33:09] Practice good risk management, stay safe, and thank you again for your continuous support!   Links: RISKWORLD 2026 Registration — Open for exhibitors, members, and non-members! Reserve your booth at RISKWORLD 2026! Spencer Educational Foundation — Scholarships and Grants | Open Calls and Timelines. RIMS-CRO Certificate Program In Advanced Enterprise Risk Management | July‒Sept. 2026 Cohort | Led by James Lam RIMS Western Regional Conference — Oct. 4‒7, 2026 | Seattle, WA | Register Today and Submit an Educational Session! RIMS Risk Management Magazine | Contribute Cannabis coverage in Risk Management Magazine RIMS Now RIMS-Certified Risk Management Professional (RIMS-CRMP) | Insights Video Series Featuring Joe Milan! The Strategic and Enterprise Risk Center RIMS Diversity Equity Inclusion Council RIMS-CRMP Story, featuring John Button RIMScast Canada — Episodes Now Live RISK PAC | RIMS Advocacy Upcoming RIMS-CRMP Prep Virtual Workshops: RIMS-CRMP Exam PrepApril 21‒22, 2026 | June 9‒10 Full RIMS-CRMP Prep Course Schedule See the full calendar of RIMS Virtual Workshops "Claims Management" | April 7‒8 "Emerging Risks" | April 15 | Register Now! Upcoming RIMS Webinars: "Navigating the New Global Risk Landscape: Lessons for Business Travelers in Unstable Times" | April 16 | Presented by Zurich and World Travel Protection RIMS.org/Webinars   Related RIMScast Episodes: "Canna-Business Risks with Nikolas Komyati" "Opioid Awareness and Workers Comp Risks with Raji Chadarevian of the NCCI" "Bridging The Workers' Comp Talent Gap with Nikki Jackson" "Tom Armstrong on Leading Risk at Comcast and RIMS Delaware Valley Chapter" (2026) "Navigating Marine Risks in 2026 with Joshua Gold"   Sponsored RIMScast Episodes: "Secondary Perils, Major Risks: The New Face of Weather-Related Challenges" | Sponsored by AXA XL (New!) "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: Kiersten J. Cash, MBA Senior Manager, Workers Compensation & General Liability Insurance Administration, Office of The General Counsel The Children's Hospital of Philadelphia Roberts Center for Pediatric Research   Production and engineering provided by Podfly.

Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society.   In this episode, Justin interviews Anderson Kill Shareholder Joshua Gold on the May 5th RISKWORLD session that Joshua is co-presenting with RIMS Past President Lance Ewing, "Do Not Let Your Cargo Claim Go Down with the Ship: Tips to Improve Marine Insurance Protection." Joshua shares knowledge on two of his areas of practice, cyber and maritime insurance. Joshua offers some insight into these newest and oldest of practice areas, and how they have begun to intersect. Maritime insurance carries special language and rules, and Joshua and Lance will cover those and answer attendee questions in their session. Justin and Joshua discuss current maritime threats in the Middle East that will likely be discussed in the session. Justin and Joshua comment on Law Day, an annual commemoration of law on May 1st. Listen for a greater understanding of maritime shipping insurance and the importance of promptly filing claims.   Key Takeaways: [:01] About RIMS and RIMScast. [:14] Public registration is open for RISKWORLD 2026, which will be held from May 3rd through 6th in Philadelphia. Visit RIMS.org/RISKWORLD to register. [:27] About this episode of RIMScast. We will be joined by RIMS Risk Management Magazine contributor Joshua Gold, Shareholder at Anderson Kill. He's making his RIMScast debut to discuss Marine and Cargo Risk. This is timely. But first… [:59] RIMS Virtual Workshops. The next RIMS-CRMP Exam Prep Course will be on April 21st and 22nd, and then again on June 9th and 10th. Registration links are in this episode's notes. [1:13] On April 15th, we have a virtual workshop covering "Emerging Risks", led by Joseph Mayo. Register today and strengthen your risk knowledge. RIMS members always enjoy deep discounts on the virtual workshops. [1:30] Webinars. On April 16th, Zurich and World Travel Protection will present "Navigating the New Global Risk Landscape: Lessons for Business Travelers in Unstable Times". Register for webinars at RIMS.org/webinars and through the links in this episode's show notes. [1:48] Folks, for more RIMS content, head over to YouTube and subscribe to @RIMSOfficialChannel. There you will find video podcasts, RIMScast Canada video podcasts, and other informative and entertaining content from RIMS. [2:03] Head over to RMMagazine.com for the Q1 Edition of the Azbee-Award-winning magazine, RIMS Risk Management Magazine. [2:15] On with the Show! Our guest today is a shareholder at the law firm Anderson Kill. You've seen his byline in RIMS Risk Management Magazine, and you've seen him on RIMS stages regionally, nationally, and globally. [2:30] Joshua Gold is here to discuss marine and cargo risks generally, and how he will be co-presenting a session at RISKWORLD on May 5th, called "Do Not Let Your Cargo Claim Go Down with the Ship: Tips to Improve Marine Insurance Protection." [2:50] He will present that alongside RIMS Past President Lance Ewing. We expect that session to be highly attended. Joshua is here to give you a preview of that session, talk about how cyber can intersect with marine and cargo risk, and offer some practical risk management takeaways. [3:11] Law Day is coming up in the U.S. on May 1st. Joshua has been practicing law for three decades. We'll find out what Law Day means to him in 2026. Let's get to it! [3:24] Interview! Anderson Kill Shareholder Joshua Gold, welcome to RIMScast! [3:51] Joshua says RIMS is an amazing system for sharing information and education. Joshua couldn't be prouder to be speaking at RISKWORLD 2026. [4:13] Joshua has written for RIMS on topics from cyber to marine insurance. Joshua thinks that cyber risk management is fascinating because cyber is new for many policyholders, in terms of implications, perils, how insurance will respond, and what the products are. [5:15] It's fascinating to see the intersection of technology, insurance, and law. It all comes together in cyber. These perils may be getting more perilous over the next few years before we may start turning the corner. [6:00] Joshua's session on May 5th at RISKWORLD is called "Do Not Let Your Cargo Claim Go Down with the Ship: Tips to Improve Marine Insurance Protection." Joshua will present with former RIMS President Lance Ewing. [6:17] Joshua says he is in both the newest thing in insurance and law, cyber, and the oldest thing in insurance and law, marine. Most of his day-to-day focus is on either end of the spectrum. [7:16] As much as Joahua loves cyber, he is intrigued with maritime insurance and maritime law. It's esoteric and old. It has special rules. If you don't deal with this type of insurance and law regularly, it can be challenging. [7:46] The insurance companies are typically very well-versed in the insurance rules and doctrines. Most policyholders are much less so. There's an information imbalance. [8:00] Joshua always looks forward to educating risk managers about this area. It's so detailed and different. Some might say it's antiquated. It's a challenging area, and we couldn't have a better example of that than with recent current events and hostilities in the Middle East. [8:42] Joshua says, as dangerous and harrowing as the situation exists in certain shipping lines and energy channels, we've seen examples of disruptions in recent times with drought conditions affecting the Panama Canal and other shipping lanes. [9:02] Joshua recalls the Suez Canal freighter mishap. The Suez Canal was shut down while an international engineering effort was launched to free the freighter and free up shipping lanes. [9:29] The current shipping disruption caused by an escalating war will present real challenges for both shippers and energy markets. We're watching that in real time. [9:54] Joshua and Lance don't want a current events discussion. They want to educate policyholders on principles that apply, whether they're dealing with a Suez Canal situation, an Iranian conflict, modern-day pirates in open water, or thieves breaking into your warehouse. [10:37] Joshua and Lance will emphasize certain relevant points like detours, delays in shipping, downstream risk, risk to certain types of cargo, cancellations for war risk coverage, and other marine insurance products. [11:06] There can be a real aftermath, and we're not sure where we are, as of this recording. We'll know more in May at RISKWORLD in Philadelphia. Now, we can only brace for the worst. [11:32] Joshua and Lance are looking to educate policyholders on all of these issues, including ones that will be front-burner, given the hostilities now. [11:52] Joshua says marine insurance policy language is cloaked in words of antiquity. Sometimes you'll see a marine policy that looks like a standard property all-risk policy, and sometimes you'll see one that contains 17th-century nautical and piracy terms. [12:32] It's important to make sure that you understand the rights, protections, obligations, and contingencies under insurance. [12:48] Most marine insurance policies will have a one-year provision the insurance company will argue says that if there's a fight over the claim payment, the amount, or the timing of the payment, that has to be brought in a lawsuit commenced within 12 months of the loss event. [13:14] For people who have never had to go through a complicated claim, a year may sound like plenty of time. But these claims can take months or even years for resolution. Sometimes they don't get resolved without some coverage litigation or alternative dispute mechanism. [13:43] Most policyholders are not accustomed to seeing a one-year contractual statute of limitations to bring a fight. You don't want to be in a position where the insurance company will argue you may have forfeited your coverage rights if you didn't act in time. [14:11] Policyholders may not ever get into that realm, because they've never had that problem, but it's a point of being educated and knowing the lay of the land for policyholders in this arena, insuring goods over open water, in warehouses, on docks, or on a truck. [14:58] A Quick Break! RISKWORLD 2026 will be held from May 3rd through the 6th in Philadelphia, Pennsylvania. RISKWORLD attracts more than 10,000 risk professionals from across the globe. It's time to Connect, Cultivate, and Collaborate with them. [15:18] Booth sales are open now. General registration and speaker registration are also open right now. Marketplace and hospitality badges are now available. Links are in this episode's show notes, and be sure to check out RIMS.org for more information. [15:36] Our guest today, Joshua Gold, will be one of the session speakers at RISKWORLD. We are excited for him and also for our just-announced closing keynote, NFL Hall of Famer, Super Bowl Champion, Emmy-winning broadcaster, and entrepreneur, Michael Strahan. [15:55] Michael Strahan will be on the main stage on May 6th. Justin is super stoked! If you're still on the fence, this is a fine time to smash that Register button and hear from one of the all-time greats. [16:07] The RIMS Western Regional Conference will be held from October 4th through the 7th in Seattle, Washington. Registration is open, and you can also submit a session. Visit RIMSWesternRegional.com and the link in this episode's show notes for more information. [16:28] Let's Return to Our Interview with Joshua Gold of Anderson Kill!  [16:44] Joshua says don't get fooled by the title of your insurance policy. The devil is in the details. You may have Ocean Marine Cargo Coverage, but you may get endorsements, like a warehouse-to-warehouse endorsement. [17:15] You may be buying a product called Stock Throughput. You're looking for coverages that may apply not just for cargo on a ship, but also for cargo that may be at rest, stored in a warehouse where it's being loaded from the ship onto the dockside. [17:48] There are many areas where you have to be aware of things developing in the marketplace and the fact that your insurance may now carry on well beyond the vessel's hull. [18:05] There's another area of marine liability coverage which may be implicated, given the hostilities in the Straits of Hormuz and perhaps elsewhere, and the escalating nature of the conflict in the Middle East, so we will have to see how that plays out. [18:31] Joshua always recommends that policyholders work with experienced insurance brokers. [18:39] Joshua says it is a privilege to give this discussion in May with Lance Ewing, a seasoned risk manager who has worked on the brokerage side and the insurance company side, as well as the risk manager policyholder side, so he has every perspective. [19:04] One of the things they will do at RISKWORLD is to make sure that not only do you hear from a coverage lawyer, but also from a risk manager, like most of the audience, who can speak to risk managers about what is important to their risk management approaches. [19:34] They hope that that's going to be useful for audience members even if they're not in the same industry as Lance. Justin points out that one never knows where they might end up next. This is a great way to become more well-rounded. [20:08] When evaluating marine cargo policies, you always want to look at the warehouse-to-warehouse endorsement. Find a broker that's well-steeped in marine cargo coverage. They can often customize endorsements that are important to your business. [20:51] If you're transporting goods that are capable of being spoiled or have to be refrigerated, or have to be in the hull of the ship, protected from the elements, those issues can come up through endorsement, special policy provisions covering temperature-controlled goods. [21:22] Joshua mentions that electronics may require being flown as air cargo. You want a system with customized coverage wherever you can get it. The broker knows that Lloyd's Marine Group has an example of an endorsement that covers a certain type of peril or cargo. [22:06] You might have a provision in your policy as part of a base form, but you might want fraudulent bills of lading coverage. There is now a technology overlap with shipping, an intersection between cyber and marine. [22:54] Some countries are GPS spoofing to confuse ships, which can be fatal if a ship goes into rocks or a bank in bad weather. This has implications, as we are seeing insurance companies slap onto marine products some type of cyber exclusion. [23:37] You'll want to know that just because technology had a role in the loss, you're not forfeiting all of your coverage. Joshua says we're certainly seeing it with piracy claims and theft claims. We're seeing it on the roadways. Truckers are getting more and more targeted. [23:58] A truck leaves a warehouse with goods that have been shipped on an overseas voyage, and there's an argument potentially that you've got federal maritime law applying in admiralty. What are the implications for coverage even though it's now inland on a train or truck? [24:23] We're seeing more cargo theft in the realm of trucking, in addition to stuff missing at the dock and warehouses being broken into. It's a perilous situation for those dealing with cargo. [24:43] Another Quick Break! The Spencer Educational Foundation's Risk Manager on Campus application period will open on April 1st, 2026, and it will close on June 30th. Grant awardees, colleges, and universities are typically notified in September. [25:04] The Course Development Grant application deadline for Interval Number 2 will be on June 15th, 2026. Award notifications will be sent out in late July. [25:19] General Grant applications will open on May 1st, 2026, and the application deadline is July 30th. Internship Grant applications open on August 15th and close on October 15th. [25:31] Links to each of these grants are in this episode's show notes. Visit SpencerEd.org for more information. [25:39] Let's Conclude Our Interview with Joshua Gold of Anderson Kill! [25:48] Josh Gold will be presenting a special session on May 5th at RISKWORLD, called "Do Not Let Your Cargo Claim Go Down with the Ship: Tips to Improve Marine Insurance Protection." He'll be co-presenting with RIMS Past President Lance Ewing. [26:13] Justin says if he were in the audience for that session, he would ask what the critical steps are that risk professionals should take immediately after a cargo loss to preserve their coverage rights. [26:39] Joshua says the first step always is to give prompt notice. It complicates matters if the insurance company can argue that the notice was untimely. The first thing is, get the notice in. You won't have all the information. Notice is unlike wine; it doesn't get better with age. [27:17] Give that prompt notice first. Then support your claim. As quickly as you can, gather photographs, video evidence, and documentary evidence, and give as much as you possibly can to the insurance company. Let that claims process unfold promptly. [27:43] You don't want the insurance company delaying payment because they say they didn't get the information they needed to process the claim. Try to give them that information. [27:59] Joshua says you can absolutely add more documentation. You can start by saying this is what we know now, and we reserve the right to supplement this information when we learn more about our loss. [29:03] There are surely deadlines built into your policies. Go through your policy and calendar dates for proof of loss, statement of loss, and getting certain claim information in. Put those benchmarks in the calendar and hit them as often as you can. [29:45] Joshua says with a cyber claim, there's no reason to hold back because you're incurring costs from the start with your forensic team and your breach coach. With cargo, Joshua says, I would give notice as quickly as you can, even if it's not as robust as anyone would like. [30:13] Get notice off as soon as possible. Enlist your broker's help as quickly as you can. If you have the information, get your insurance policy out, look at the notice provisions, and call your broker. Brokers are a great way to submit insurance claim information. [30:58] The broker should be helping guide you. You've already paid their commission. Enlist their help at the outset. [31:07] Justin asks if risk professionals need to tell executive leadership immediately. Joshua says there should be a dialogue. He appreciates the systematic and scientific risk management approach RIMS brings and the recognition that risk management is getting from the C-Suite. [31:48] Not every risk manager is at the C-Suite level, but they can communicate with the Treasurer, the CFO, or the Law Department, depending on the organization. Internal communications are important. [32:11] Include the Law Department in communications, to ensure that privilege is protected and conversations are not being exploited if there's a conflict over the coverage. Depending on the importance of the potential loss, the COO and the CEO may need to be involved. [32:53] Justin wants the RISKWORLD attendees to ask questions. Joshua and Lance have built time in during the session for questions. They love to take questions on the fly. They believe that if they spend half of the time in a dialogue with the audience, that is time very well spent. [33:50] Joshua has been practicing law for 31 years and has been with Anderson Kill in the New York office for almost 31 years, specializing in insurance coverage trade. [34:18] Justin notes that Law Day is an annual commemoration held on May 1st to celebrate the rule of law and cultivate a deeper understanding of the legal system. Joshua says we're always happy to get some kind of positive acknowledgment, accolades, recognition, and a special day. [35:20] This year's theme is "The Rule of Law and the American Dream." The idea that no person is above the law is what ensures the rights of the people to live their lives as freely as possible and to pursue their dreams. Joshua is a full supporter of that doctrine. [35:40] It has been such a pleasure to see you again. You are a regular contributor to RIMS Risk Management Magazine. We have links to some of your articles in this episode's show notes. We're going to see you on May 5th at RISKWORLD in Philadelphia. See links in the show notes. [36:03] Joshua's last words: Please show up on Cinco de Mayo, we're speaking on the afternoon of May 5th. We'd love to see you then in Philadelphia at RISKWORLD. Lance and I are looking forward to hearing your questions and talking about marine cargo and what's going on then. [36:26] Justin says, You've always been very supportive of me and of RIMS. I remember very clearly that somebody dropped out of a cyber panel, and you and Bill Passannante stepped right in for us, so I've always felt a strong connection to you and the professionals at Anderson Kill. [36:57] Special thanks again to Anderson Kill Shareholder Joshua Gold for joining us here on RIMScast. I have links to his contributions to RIMS Risk Management Magazine in this episode's show notes. [37:10] If you will be at RISKWORLD, remember to attend his session on May 5th at 3:30 p.m. on the Global Stage. It is called "Do Not Let Your Cargo Claim Go Down with the Ship: Tips to Improve Marine Insurance Protection." [37:24] It will be co-presented with RIMS Past President Lance Ewing. Register at RIMS.org/RISKWORLD today! [37:32] Plug Time! You can sponsor a RIMScast episode for this, our weekly show, or a dedicated episode. Links to sponsored episodes are in the show notes. [38:00] RIMScast has a global audience of risk and insurance professionals, legal professionals, students, business leaders, C-Suite executives, and more. Let's collaborate and help you reach them! Contact pd@rims.org for more information. [38:18] 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. [38:36] 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. [38:52] 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. [39:07] 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. [39:19] Practice good risk management, stay safe, and thank you again for your continuous support!   Links: RISKWORLD 2026 Registration — Open for exhibitors, members, and non-members! Reserve your booth at RISKWORLD 2026! More from Joshua Gold in RIMS Risk Management Magazine Spencer Educational Foundation — Scholarships and Grants | Open Calls and Timelines. RIMS-CRO Certificate Program In Advanced Enterprise Risk Management | April‒June 2026 Cohort | Led by James Lam RIMS Western Regional Conference — Oct. 4‒7, 2026 | Seattle, WA | Register Today and Submit an Educational Session! RIMS Risk Management Magazine | Contribute RIMS Now RIMS-Certified Risk Management Professional (RIMS-CRMP) | Insights Video Series Featuring Joe Milan! The Strategic and Enterprise Risk Center RIMS Diversity Equity Inclusion Council RIMS-CRMP Story, featuring John Button RIMScast Canada — Episodes Now Live RISK PAC | RIMS Advocacy Upcoming RIMS-CRMP Prep Virtual Workshops: RIMS-CRMP Exam PrepApril 21‒22, 2026 | June 9‒10 Full RIMS-CRMP Prep Course Schedule See the full calendar of RIMS Virtual Workshops Claims Management | April 7‒8 "Emerging Risks" | April 15 | Register Now! Upcoming RIMS Webinars: "Navigating the New Global Risk Landscape: Lessons for Business Travelers in Unstable Times" | April 16 | Presented by Zurich and World Travel Protection RIMS.org/Webinars   Related RIMScast Episodes: "RIMS 2022 Goodell Award Winner Lance Ewing" "World Water Day and the Circular Water Economy with Ralph Exton of WEF" "Supply Chain Integrity and Sustainability with Nicole Sherwin of EcoVadis" "Navigating Shipping Risks in 2022 with Capt. Rahul Khanna"   Sponsored RIMScast Episodes: "Secondary Perils, Major Risks: The New Face of Weather-Related Challenges" | Sponsored by AXA XL (New!) "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: Joshua Gold, Anderson Kill Shareholder, Anderson Kill   Production and engineering provided by Podfly.

Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society.   In this episode, Justin interviews Tom Armstrong, a Global Risk Director for Comcast and the President of the RIMS Delaware Valley Chapter. Tom shares what inspired him to pivot from studying music education to studying risk and insurance, and how his professors guided and inspired him into a career in risk management. Tom went directly from graduation into a risk management role, eventually landing at Comcast just as it acquired NBCUniversal, transforming from an ISP and cable supplier into a multimedia and theme park powerhouse. Tom discusses how the Risk Management Department works at Comcast. Tom tries to build long-term relationships with his interns that endure when they move on. The RIMS Delaware Valley Chapter is the host chapter for RISKWORLD 2026, held from May 3rd through the 6th in Philadelphia, Pennsylvania. The chapter is also celebrating its 75th Anniversary. Tom shares his enthusiasm for these events and for a member reception on May 1st, linking the chapter's 75th Anniversary to RISKWORLD. Listen for ideas on advancing in your risk career and in your RIMS chapter.   Key Takeaways: [:01] About RIMS and RIMScast. [:14] Public registration is open for RISKWORLD 2026, which will be held from May 3rd through 6th in Philadelphia. Visit RIMS.org/RISKWORLD to register. [:28] About this episode of RIMScast. Our guest is Tom Armstrong. He is a Global Risk Management Director at Comcast. He is also the President of the Delaware Valley Chapter of RIMS, which is celebrating its 75th Anniversary. Lots to discuss! But first… [:59] RIMS Virtual Workshops. The next RIMS-CRMP Exam Prep Course will be on April 21st and 22nd, and then again on June 9th and 10th. Registration links are in this episode's notes. [1:13] On April 15th, we have a virtual workshop covering "Emerging Risks", led by Joseph Mayo. Register today and strengthen your risk knowledge. RIMS members always enjoy deep discounts on the virtual workshops. [1:30] Webinars. On April 16th, Zurich and World Travel Protection will present "Navigating the New Global Risk Landscape: Lessons for Business Travelers in Unstable Times". Register for webinars at RIMS.org/webinars and through the links in this episode's show notes. [1:47] Folks, for more RIMS content, head over to YouTube and subscribe to @RIMSOfficialChannel. There you will find video podcasts, RIMScast Canada video podcasts, and other informative and entertaining content from RIMS. [2:05] On with the Show! Our guest today is a Director of Global Risk Management at Comcast. He oversees construction, crime, contracts, and executive risks. [2:16] We will learn what it takes to be a Global Risk Director for one of the top communications companies in the world, as well as a household name and brand. [2:27] We're also going to talk about all the joviality surrounding the Delaware Valley Chapter as they celebrate their 75th Anniversary. They happen to be the host city for RISKWORLD 2026, so we'll learn what they have in store for us. Let's get to it! [2:43] Interview! Tom Armstrong, welcome to RIMScast! [3:10] Tom says he is fortunate to hold the positions of Global Risk Director for Comcast and President for the RIMS Delaware Valley Chapter. In each case, he is one of a team that makes it happen. [3:47] Tom shares his career path. He went to Temple University intending to major in music education, to learn to conduct high school choirs and marching bands. After two and a half years into his degree, he decided it was not for him. [4:11] Tom transferred to the business school, where he was fortunate to take an Introduction to Risk course taught by Professor Barbara Manaka, now Chairman of the department there. She told him he'd make a great risk manager. [4:27] With help from Professor Manaka, Professor Robert Drennan, and the rest of the wonderful staff at Temple, Tom finished his four-year degree in only five years! He was one of the few to be hired into a risk management role straight out of school. [4:43] He started at CDI. In 2008, the position was eliminated, and Tom moved over to Aramark. He spent about three and a half years at the risk department. Then he got a call that Comcast was looking for someone to help them with the review of insurance language in contracts. [5:01] Tom was a contractor for his first 18 months at Comcast. A new risk manager came on board, Sandy Aspinall, and he brought Tom in-house as a senior analyst to review insurance language in contracts. [5:24] Tom was able to add on some additional scope, supporting construction, property, executive risks, the crime program, and whatever comes up that needs some support. Like the rest of the team, he's happy to step up. [5:57] Tom says that he never had a great talent for music. What he really liked was the community that a marching band or a choir brought to him as a kid in high school. He has found that this industry can give him a lot of the same community. [6:09] Community is why Tom wants to be a part of RIMS. It's why he stepped up to lead a RIMS chapter. It's why he appreciates his peers at Comcast. [6:23] Tom joined RIMS through meeting participation early in his career, in 2009 or 2010. Aramark supported his involvement in visiting and joining certain meetings. In 2017, he stepped up to be Treasurer of the Delaware Valley Chapter. He's been President for about three years. [6:46] Some staffing changes happened in the RIMS and the RIMS Delaware Valley Chapter in 2017 and 2018, opening up positions like Treasurer. Tom mentions former Treasurer Deborah Saunders and former RIMS President Robert Cartwright Jr., now a huge asset to the chapter. [7:53] Tom says he enjoys his work. He is one of six Directors and Senior Directors on the team, each reporting up to Sandy Aspinall. They each have their slice of the business. Tom gets to work on some really cool stuff. [8:03] Comcast deals with cable and internet delivery. Tom says there are some fun elements to it. They deal with theme parks and movie studios. They put solar panels on roofs. When Tom joined Comcast, he thought it was a boring cable company, but it is light-years more than that. [8:42] Tom and his peers sit at the corporate level at Comcast but have responsibilities across almost all Comcast subsidiaries, with a few exceptions that have their own approach to risk. They have no line authority over any of the subsidiaries. [8:58] Tom says everything we do is through demonstrating our value and persuading through convincing arguments. Risk Management doesn't say, "You have to do it this way." [9:14] They say, "You're not going to say Risk Management approved this, unless we work together and we provide you with the advice that we think will let you do your business in a way that protects the organization while letting you do the cool and inventive things that you do." [9:39] From day one, Tom's been involved in the review of insurance language in contracts. His team reviews 1,500 contracts in a year. They care about what they're doing, from the smallest contracts to the biggest engagements. They inform business leaders to make good choices. [10:21] For Tom, contracts are a framework through which he can look at the operations of the business. If contractors are going to enter customers' homes, they need commercial general liability to make any damages right. [10:38] Similarly, for people who handle customer data, design attractions in Comcast parks, or license intellectual property that Comcast distributes. In all of those situations, Comcast cares about how they engage. [11:07] Tom says the nature of the business to which they apply the risk framework has changed again and again. When Tom came on in 2012 as a contractor, Comcast was just starting to acquire NBCUniversal. [11:22] They went from an Internet Service Provider and a cable operator to a multimedia powerhouse with theme parks, movie studios, and TV production. That was a massive shift in how Comcast operates, and Risk Management had to learn to manage a new suite of risks. [11:42] That happened in a different way when Comcast bought and started operating Sky UK a few years ago. Every time Comcast introduces another element of business, Risk Management has to figure out how that fits into how they manage risk. [12:08] Peacock is a huge piece of the puzzle in terms of how Comcast is approaching its consumers and delivering content. [12:16] From a risk perspective, it mirrors what Comcast used to do from a linear distribution, but through very new channels and with less mature partners. Risk Management has to think about how the partners are capitalizing their exposures and how that cascades onto Comcast. [12:32] A Quick Break! RIMS is once again supporting the FERMA Global Risk Manager Survey 2026. [12:43] Now in its second consecutive global edition, the survey, led by FERMA, brings together insights from Europe, the U.S., Latin America, Asia Pacific, and Africa, offering a truly international perspective on how the risk management profession is evolving. [12:58] Surveys are anonymous, and the final report is free. The deadline to participate is March 31st. A link is in this episode's show notes. [13:08] RISKWORLD 2026 will be held from May 3rd through the 6th in Philadelphia, Pennsylvania. RISKWORLD attracts more than 10,000 risk professionals from across the globe. It's time to Connect, Cultivate, and Collaborate with them. [13:25] Booth sales are open now. General registration and speaker registration are also open right now. Marketplace and hospitality badges are now available. Links are in this episode's show notes, and be sure to check out RIMS.org for more information. [13:43] The RIMS Western Regional Conference will be held from October 4th through the 7th in Seattle, Washington. Registration is open, and you can also submit a session. Visit RIMSWesternRegional.com and the link in this episode's show notes for more information. [14:00] Let's Return to Our Interview with RIMS Delaware Valley Chapter President Tom Armstrong!  [14:23] A former colleague told Tom: You've got to be nosy to do this job! Commonly, someone will give you an answer that they think you want to hear when you start asking risk questions. [14:36] You have to ask at least five times. Why is it like this? How are you going to achieve that? How much is this really going to cost? Your vendor said that buying insurance is expensive, but can they define expensive? For all those questions, you can't just take an answer at face value. [14:55] There has to be a level of ethics and willingness to behave with integrity, as well as a willingness to roll up your sleeves and get the job done. [15:14] Tom says most of his regular partners understand the questions he's going to ask now. He doesn't have to ask why as often as he used to, because they've already done some of that work. [15:23] Tom says it helps to know your partners and the mindset they've brought to their conversations with their vendors. [15:34] Tom has one direct report, Juliana, who started two years ago to help him with some contract review work and let him focus on other things. Over the past four years, Tom has had four different interns. Two of them just won a CICA award. [16:34] To help build the future of the industry, Tom gives work to interns not as busy work, but work that can be put to a demonstrable use. [16:42] One intern helped move file storage from a network drive to a new SharePoint. Another helped finish a streamlined intranet page to deliver advice to internal colleagues. [16:59] All of that came with a reason to go and talk to every colleague and understand how their work fits into the risk management picture. Tom tries to find ways to make the intern's work meaningful. [17:19] The two interns posted about their CICA captive award. They have kept in touch with Tom and recently texted him for advice. Tom tries to build long-term relationships. [17:42] Tom says Comcast's Risk Management department has been fairly stable for the last few years. It would be great to have more hands on deck, but there is a budget, just like there is in every department in the organization. [18:15] Tom says in Orlando, they have Universal's Epic Universe, which opened in Spring 2025. They still have Universal Studios' Islands of Adventure and Volcano Bay theme parks. Tom says Epic Universe was such a cool project to work on. Tom started on it in late 2018. [18:35] Tom says they put the park together with their partners at Universal Creative. Tom's part was to insure it. [18:52] In 2020, as COVID started to become more noticeable, Tom was just about to bind coverage on the construction program for Epic Universe. It was a massive undertaking on 2,000 acres. There were 1,200 contractors with 7,000 people on site. [19:09] Just as Tom was about to hit Bind, COVID happened. They had to pause their whole marketing efforts and, about nine months later, re-market the entire program, deal with all of the changing supply chain issues that came along with COVID. [19:25] Comcast is very proud to have opened Universal's Epic Universe last year. It has been met with enthusiastic public reception. [19:36] Justin says that this episode was recorded on March 13th, six years to the day after a national emergency was declared for COVID-19. Tom was in Italy for his wedding on that day, and they had to cancel due to COVID and come home. They finished the wedding last year. [20:13] Justin says that for a risk manager, taking a theme park from conception to completion has to be a dream job. When people tell Tom insurance is boring, he asks them if they've ever received an email about the Ministry of Magic, or a giant theme park like Epic. [20:54] Last November, Sandy took the Global Risk Management Department to Orlando for an off-site all-hands meeting. They walked through the park and experienced some of the rides. It was nice to get back to the park without a hard hat after the construction site inspections. [21:30] Another Quick Break! The Spencer Educational Foundation's Risk Manager on Campus application period will open on April 1st, 2026, and it will close on June 30th. Grant awardees, colleges, and universities are typically notified in September. [21:55] The Course Development Grant application deadline for Interval Number 2 will be on June 15th, 2026. Award notifications will be sent out in late July. [22:10] General Grant applications will open on May 1st, 2026, and the application deadline is July 30th. Internship Grant applications open on August 15th and close on October 15th. [22:22] Links to each of these grants are in this episode's show notes. Visit SpencerEd.org for more information. [22:31] Let's Conclude Our Interview with RIMS Delaware Valley Chapter President Tom Armstrong. [22:53] The Delaware Valley Chapter is celebrating its 75th year. They were close to New York, so they were the second chapter to be established. Tom said they've had a series of amazing individuals in the chapter, including Robert Cartwright, Jr., who have made the chapter what it is. [23:26] Tom says the chapter has a rich pool of talent in the Philadelphia area. "Delaware Valley" refers to the river, not just the state of Delaware. It's the Greater Philadelphia Area. Ben Franklin founded the first insurance company in Philadelphia. The city has a long history of insurance. [23:46] There are many awesome companies headquartered in Philadelphia, including Comcast and Aramark. The great professionals in the area have enthusiasm and a willingness to step in. [24:06] Tom says the chapter has a hard-headed insistence on continuing to persist. Like in a lot of organizations, coming out of COVID, it has been harder to keep people showing up in person. They hold meetings on the first Tuesday of every month at 8:00 a.m. That can be a tough trek. [24:32] Some members drive two hours to attend the meeting. The chapter is looking at the results of recent member surveys and might be making some changes to improve attendance. The chapter has a great community, and they try to foster what's already there. [25:04] Tom says the chapter has a couple of popular social events. Golf is huge. A Phillies Outing is aimed toward both rising risk professionals and mature risk professionals. Last year, they showed up at Citizens Bank Park with 65. That kind of event helps engage members. [25:35] The chapter partners with local Universities. Chapter VP Rory Magargee partnered last year with St. Joseph's University and helped them win a Black & Gold Award through Gamma Iota Sigma for the Networking for Newbies event to help students interact with professionals. [26:05] Justin says that the rising risk professionals were in high school or middle school when COVID hit. Professionals have been tracking how that would play out later on in their careers and personal lives. Students had gotten used to a virtual setting and then had to transition back. [26:49] Tom says, based on a recent membership survey, the chapter is looking at changing the upcoming programming year, starting in September, to preserve what works in the current approach and enhance it to bring in some folks who might not attend in person at 8:00 a.m. [27:31] From May 3rd through 6th, RISKWORLD 2026 will be in Philadelphia. The Delaware Valley Chapter will focus on its membership to celebrate its 75th year. [28:00] On Friday, May 1st, chapter members, some RIMS leaders, and sponsors will gather at a reception at a venue soon to be announced. Tom extends his thanks to the sponsors who are making it possible. [28:20] The chapter is passionate about Philadelphia. Tom is looking forward to RISKWORLD 2026 and showing the industry the best that Philadelphia has to offer. [28:25] It's not just the chapter's 75th year; it's also the 76th year of RIMS. It's also 250 years since the signing of the Declaration of Independence in Philadelphia. [28:43] To learn more about the RIMS Delaware Valley Chapter and apply for membership, visit DelawareValley.RIMS.org or find them on LinkedIn, or email any of the Board members. [28:53] Tom, it has been a pleasure to see you again and to get to know you through this episode. I look forward to seeing you at RISKWORLD 2026 from May 3rd through the 6th in Philadelphia. Congratulations again on your 75th! [29:11] Special thanks again to Tom Armstrong for joining us here on RIMScast. We wish him and all the members of the RIMS Delaware Valley Chapter, past and present, a Happy 75th Anniversary! [29:23] A link to the chapter's page is in this episode's show notes. We look forward to seeing many of those Delaware Valley Chapter members at RISKWORLD, which will be held from May 3rd through the 6th in Philadelphia. Visit RIMS.org/RISKWORLD to register. [29:41] Plug Time! You can sponsor a RIMScast episode for this, our weekly show, or a dedicated episode. Links to sponsored episodes are in the show notes. [30:09] RIMScast has a global audience of risk and insurance professionals, legal professionals, students, business leaders, C-Suite executives, and more. Let's collaborate and help you reach them! Contact pd@rims.org for more information. [30:28] 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. [30:45] 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. [31:01] 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. [31:16] 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. [31:28] Practice good risk management, stay safe, and thank you again for your continuous support!   Links: RIMS Delaware Valley Chapter RISKWORLD 2026 Registration — Open for exhibitors, members, and non-members! Reserve your booth at RISKWORLD 2026! Spencer Educational Foundation — Scholarships and Grants | Open Calls and Timelines. RIMS-CRO Certificate Program In Advanced Enterprise Risk Management | April‒June 2026 Cohort | Led by James Lam RIMS Western Regional Conference — Oct. 4‒7, 2026 | Seattle, WA | Register Today and Submit an Educational Session! RIMS Risk Management magazine | Contribute RIMS Now RIMS-Certified Risk Management Professional (RIMS-CRMP) | Insights Video Series Featuring Joe Milan! The Strategic and Enterprise Risk Center RIMS Diversity Equity Inclusion Council RIMS-CRMP Story, featuring John Button RIMScast Canada — Episodes Now Live RISK PAC | RIMS Advocacy FERMA Global Risk Manager Survey 2026 Upcoming RIMS-CRMP Prep Virtual Workshops: RIMS-CRMP Exam PrepApril 21‒22, 2026 | June 9‒10 Full RIMS-CRMP Prep Course Schedule See the full calendar of RIMS Virtual Workshops "Risk Appetite Management" | March 25‒26 "Claims Management" | April 7‒8 "Emerging Risks" | April 15 | Register Now! Upcoming RIMS Webinars: "Navigating the New Global Risk Landscape: Lessons for Business Travelers in Unstable Times" | April 16 | Presented by Zurich and World Travel Protection RIMS.org/Webinars   Related RIMScast Episodes: "The Value of Risk Management: Inside the RIMS 2025 Compensation Survey" "RIMS 2025 Goodell Award Winner Randy Nornes" "Investing In Yourself with RIMS 2026 President Manny Padilla"   Sponsored RIMScast Episodes: "Secondary Perils, Major Risks: The New Face of Weather-Related Challenges" | Sponsored by AXA XL (New!) "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: Tom Armstrong, ARM, CRM, CRIS, CIC, Director, Global Risk Management at Comcast President of the RIMS Delaware Valley Chapter   Production and engineering provided by Podfly.

Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society.   In this episode, Justin interviews Ralph Exton, Executive Director of the Water Environment Federation, about World Water Day, March 22nd, and the importance of water governance. WEF is a UN Water Partner, focusing on water access and gender equality. Justin and Ralph discuss the Value of Water Campaign and the Circular Water Economy. Ralph mentions other water organizations that the WEF promotes and supports. They discuss how water governance is a board-level issue, along with cybersecurity and financial risk. They explore ways organizations can participate in World Water Day. Listen for ideas on elevating water governance in your organization.   Key Takeaways: [:01] About RIMS and RIMScast. [:14] Public registration is open for RISKWORLD 2026, which will be held from May 3rd through 6th in Philadelphia. Visit RIMS.org/RISKWORLD to register. [:27] About this episode of RIMScast. We will be joined by Water Environment Federation Executive Director Ralph Exton. He's here to talk about the circular water economy ahead of March 22nd, which is World Water Day. This is probably my favorite topic! But first… [:59] RIMS Virtual Workshops. The next RIMS-CRMP Exam Prep Course will be on April 21st and 22nd, and then again on June 9th and 10th. Registration links are in this episode's notes. [1:13] On April 15th, we have a virtual workshop covering "Emerging Risks", led by Joseph Mayo. Register today and strengthen your risk knowledge. RIMS members always enjoy deep discounts on the virtual workshops. [1:30] Webinars. The "Hard Hats & High Stakes: Women Leaders Shaping Construction Risk Management" Webinar, spotlighting women leaders in risk and construction, was rescheduled to March 20th. [1:42] The registration link is in this episode's show notes. You will have to register again if you have previously done so. [1:48] On April 16th, Zurich and World Travel Protection will present "Navigating the New Global Risk Landscape: Lessons for Business Travelers in Unstable Times". Register for these and other webinars by visiting RIMS.org/webinars and the links in this episode's show notes. [2:05] On with the Show! Our topic is water risk management, and we are joined by the Executive Director of the Water Environment Federation, Mr. Ralph Exton. He has decades of professional experience with water risk. [2:19] He is here to discuss what the Water Environment Federation refers to as the Circular Water Economy, WEF's Value of Water Campaign, responsible water risk management, and World Water Day 2026, which emphasizes water access and gender equality. Let's get to it! [2:40] Interview! Ralph Exton, welcome to RIMScast! [2:48] Ralph Exton, Executive Director of the Water Environment Federation, joins us for this World Water Day episode of RIMScast. [3:29] Ralph Exton's career started with water. As a newly graduated mechanical engineer, his first assignment was to manage and supervise the water operations at an industrial facility. He says he had no idea what he was doing. He had wanted to work on robots. [4:57] Ralph says it did not take long. Once you understand how important water is to an industrial operation, you realize how important water quality is to the environment. Everyone knows how important water is from a personal standpoint. [5:28] When you understand those bigger factors, it becomes inherent in the way you think about your job and career. Ralph tells people, once you get your hands wet in water, they'll never be dry. [5:55] Ralph's entire career has been water. The early part of the career was operational and industrial. Then he worked for water technology companies, and eventually for the largest water technology and servicing companies in the world. He lists some of the global companies. [6:37] Ralph says that a couple of years ago, he was at a point in his career where he wanted to give back more and be more directly focused on the impact he could have on water and the environment. [6:52] Ralph had spent a lot of time with the Water Environment Federation as a customer, a volunteer, and a board member. All those things throughout his career helped him considerably. It's such an important organization for making connections in the water sector and for learning. [7:24] Ralph says that when the opportunity came up to be part of the organization that has been so important to his career for all those years, he jumped at it and was fortunate to be selected for this position. Ralph joined WEF in mid-2024. [7:47] Ralph says he is thrilled with the opportunity for direct contributions to water and the environment. It has been fantastic. The organization has always done super important things. He gets to be a part of making those things a reality now, and it's great. [8:17] World Water Day, March 22nd, is a big day for Ralph and for the WEF. This year, it emphasizes water access and gender equality. WEF is a strong supporter of water access, criminal justice, and gender equality. WEF is very proud to be a UN Water Partner. [9:06] Access to clean water and sanitation is directly correlated with a higher level of education, gender equality, and economic stability. If you have one, you're going to get the other. [9:24] In particular, ready access to clean water and toilets is crucial for women, especially at school age. If women aren't carting water all day long, they have more hours to spend with access to schooling and to join the workforce. [9:51] Ralph says there's also a very high correlation between women in the workforce and economic well-being, not only of the family, but also economic well-being within the regional and national economies. The theme for this year's Water Day ties it all together. [10:42] This is core to some of the work WEF does. WEF has a program called Charities of Choice. [10:54] WEF supports and promotes several not-for-profit organizations that focus on philanthropic and charity work, domestically and in developing countries, that provide services that ensure that the water environment is enhanced or preserved and public health is protected. [11:20] Ralph shares a couple of examples. Global Water Stewardship works to resolve sanitation issues in the developing world by educating people and engineering sustainable centralized solutions that keep waterways clean and communities healthy. [11:38] Water for People is an international nonprofit based in Denver, Colorado. Their goal is to bring water, sanitation, and hygiene services to everyone and to make the solutions last. [11:55] Engineers Without Borders builds a better world through engineering, through projects that empower communities to meet their basic human needs and equip leaders to solve some of the world's most pressing water challenges. [12:14] Operators Without Borders looks to provide certified volunteer water and wastewater operators who can support utilities in developing countries, following emergency or disaster situations, to ensure that safe drinking water and wastewater services are resumed quickly. [12:48] Ralph says WEF largely provides a platform and access to tens of thousands of people around the world who are part of WEF membership. WEF also has grants for water-related emergencies. [13:42] Ralph says volunteer work is probably the biggest thing people can do to help. Making donations to any of these organizations is super important. Feet on the street is a big cost component of this work. [14:10] The other cost component is training. If you send people to a location to solve a problem, and then they leave and don't provide training to the community, the solution won't last. Volunteers participating in some of these projects are a big help in making projects sustainable. [15:06] Ralph says you can provide someone a meal, or you can teach them how to grow that meal. There are short-term and long-term aspects. Long-term, you have to make sure they have the infrastructure, training, knowledge, and resources to provide for themselves. [15:51] The Value of Water campaign highlights the state-by-state economic benefits of investing in water infrastructure. The campaign is a coalition of the U.S. Water Alliance, the WEF, and other organizations. The WEF is on the Value of Water campaign steering committee. [16:27] We're at a pivotal moment regarding water infrastructure. A recent study was on the U.S. water infrastructure, but the issue is global. [16:46] The U.S. water infrastructure gets scored every couple of years on an A through F system. We don't score very well. The recent research has a powerful message. The funding gap is $1.8 trillion in water infrastructure between now and 2044. [17:30] Ralph says that's an opportunity. The latest report from the Value of Water campaign shows what's possible if we invest in water. Every $1 million directed towards water infrastructure generates $2.5 million in economic growth. There is a return on this investment. [18:13] That kind of return builds stronger communities. It creates meaningful jobs and helps drive innovation. [18:26] The report identifies that implementing circular water principles is going to be key. These strategies help transform linear systems into regenerative systems, where water is reduced and recovered, and constituents can be pulled from the water and recovered. [19:00] WEF is committing to advancing this approach as they help to shape a resilient and inclusive future. [19:14] The 2025 Value of Water Campaign Report is publicly available. The link is in this episode's show notes. [19:36] A Quick Break! RIMS is once again supporting the FERMA Global Risk Manager Survey 2026. [19:47] Now in its second consecutive global edition, the survey, led by FERMA, brings together insights from Europe, the U.S., Latin America, Asia Pacific, and Africa, offering an international perspective on how the risk management profession is evolving. [20:03] Surveys are anonymous, and the final report is free. The deadline to participate is March 31st. A link is in this episode's show notes. [20:12] RISKWORLD 2026 will be held from May 3rd through the 6th in Philadelphia, Pennsylvania. RISKWORLD attracts more than 10,000 risk professionals from across the globe. It's time to Connect, Cultivate, and Collaborate with them. [20:29] Booth sales are open now. General registration and speaker registration are also open right now. Marketplace and hospitality badges are now available. Links are in this episode's show notes, and be sure to check out RIMS.org for more information. [20:48] The Second Annual RIMS Texas Regional Conference will be held in San Antonio from August 10th through August 12th. [20:55] The call for submissions for educational sessions is open through March 18th. Check out the link in this episode's show notes and make a pitch! Hopefully, you get selected, and we see you in San Antonio! [21:07] The RIMS Western Regional Conference will be held from October 4th through the 7th in Seattle, Washington. Registration is open, and you can also submit a session. Visit RIMSWesternRegional.com and the link in this episode's show notes for more information. [21:26] Let's Return to Our Interview with Water Environment Federation Executive Director Ralph Exton! [21:44] Justin says Henk Ovink, Special Envoy for International Water Affairs for the Kingdom of the Netherlands, has twice been a RIMScast guest to cover World Water Day. Ralph and Henk work in the same circles and have crossed paths. [22:19] In Justin's first interview with Henk Ovink, Mr. Ovink pointed out how Heineken was one of the first companies to use its industrial sludge as an energy source to keep its plants going. Ralph says plenty of companies now are pillars of the Circular Water Economy. [23:08] Ralph says, if you recover energy, nutrients, and valuable metals from waste, as opposed to burying it in a landfill, you unlock a lot of economic opportunities that way. [23:40] The waste that's generated at many waste treatment plants can be converted into enough fuel to power all the pumps and equipment that's needed to treat the water itself. You create a microeconomic opportunity right there that doesn't rely on electricity from the grid. [24:06] Ralph says it has become a growing scenario. WEF is trying to do its part to promote as many of those opportunities as it can. They give out several awards every year for Utilities of the Future that are doing this type of thing. WEF highlights these companies at annual events. [24:44] The more organizations, whether utilities or industries, that do this, not only does it help the environment, but it also creates economic opportunities. [24:56] There will always be byproducts and sidestreams that come off of these processes, by which you can generate economies around them, whether you're extracting a nutrient from waste or pulling energy from that waste.  [25:18] Another Quick Break! The Spencer Educational Foundation's Risk Manager on Campus application period will open on April 1st, 2026, and it will close on June 30th. Grant awardees, colleges, and universities are typically notified in September. [25:42] The Course Development Grant application deadline for Interval Number 2 will be on June 15th, 2026. Award notifications will be sent out in late July. [25:57] General Grant applications will open on May 1st, 2026, and the application deadline is July 30th. Internship Grant applications open on August 15th and close on October 15th. [26:09] Links to each of these grants are in this episode's show notes. Visit SpencerEd.org for more information. [26:18] Let's Conclude Our Interview with Water Environment Federation Executive Director Ralph Exton. [26:56] Ralph says the notion of circularity started with the Ellen MacArthur Foundation. They're about building economies around implementing circular processes. The WEF is focused on circularity in terms of water. They refer to it as the Circular Water Economy. [27:42] The WEF leads the way for the public and private sectors to optimize and recover valuable resources from water and wastewater in ways that help fight climate change, support equitable economic development, and ensure water access. This is the Circular Water Economy. [28:26] The circular water economy practices help keep products and materials in use. They regenerate natural systems and design out waste and pollution from the equation. The model helps to build a just and sustainable society. The WEF is working to lead that. [28:42] There are three core principles of the Circular Water Economy. [28:45] These are: 1. Reduce. Minimize water usage and waste through efficient practices. 2. Recover. Extract valuable resources from wastewater. 3. Regenerate. Restore natural ecosystems. Recharge aquifers through sustainable water management practices. [29:13] The benefits of following those core principles include reducing water pollution, preserving ecosystems, lowering water treatment and extraction costs, supporting green jobs, and enhancing water security with equitable access to water resources. [30:18] The WEF did a report last year on the economic opportunities that can be unlocked by implementing Circular Water principles. A link is in this episode's show notes. [30:39] The WEF started the Circular Water Economy with the principles of circularity and circular economies, with a focused effort on water. The WEF felt that between water and waste, they could churn out a lot of economic opportunity with a focus on the sector they support. [31:14] The WEF believes that the Circular Water Economy will make the biggest impact in the next five years. It's one of their three core strategic pillars. [31:32] March 22nd is World Water Day. This episode is coming out six days ahead. People have time to participate in local World Water Day activities, volunteer, or donate. [32:03] Ralph says the most important reminder he can give the RIMScast audience is that water is more than an enterprise or utility risk; it's a human risk. When water systems fail, other things fail. Operations fail, supply chains fail, and workforce stability is disrupted. Public trust is ruined. [32:50] Ralph says women, families, and communities absorb that impact first, which has direct economic consequences. [33:00] The most resilient organizations elevate water subjects to the boardroom, treating it with the same rigor as they would cybersecurity. Water needs to be at the same level as cybersecurity and financial risks. [33:20] Water governance is no longer optional; it's foundational to resilience and equality. The theme of World Water Day this year speaks to that. [33:41] Justin says there are so many ways for RIMS and WEF to collaborate. Justin looks forward to getting Ralph on a webinar about water management. Justin thanks Ralph for informing our audience about World Water Day and why water risk management is central. [34:16] Special thanks again to Ralph Exton, Executive Director of the Water Environment Federation, for joining us here today on RIMScast. I've got links to WEF.org and the Circular Water Economy in this episode's show notes. [34:31] Be sure to check out the links in this episode's show notes for prior RIMScast coverage of water risk and World Water Day. Remember that World Water Day is observed globally on Sunday, March 22nd, 2026. Everyone deserves access to clean water. [34:50] Plug Time! You can sponsor a RIMScast episode for this, our weekly show, or a dedicated episode. Links to sponsored episodes are in the show notes. [35:19] RIMScast has a global audience of risk and insurance professionals, legal professionals, students, business leaders, C-Suite executives, and more. Let's collaborate and help you reach them! Contact pd@rims.org for more information. [35:37] 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. [35:54] 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. [36:11] 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. [36:25] 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. [36:38] Practice good risk management, stay safe, and thank you again for your continuous support!   Links: RISKWORLD 2026 Registration — Open for exhibitors, members, and non-members! Reserve your booth at RISKWORLD 2026! Spencer Educational Foundation — Scholarships and Grants | Open Calls and Timelines. RIMS Texas Regional Conference 2026 Education Content Submission — Deadline March 18, 2026! RIMS-CRO Certificate Program In Advanced Enterprise Risk Management | April‒June 2026 Cohort | Led by James Lam RIMS Western Regional Conference — Oct. 4‒7, 2026 | Seattle, WA | Register Today and Submit an Educational Session! RIMS Risk Management magazine | Contribute RIMS Now RIMS-Certified Risk Management Professional (RIMS-CRMP) | Insights Video Series Featuring Joe Milan! The Strategic and Enterprise Risk Center RIMS Diversity Equity Inclusion Council RIMS-CRMP Story, featuring John Button RIMScast Canada — Episodes Now Live RISK PAC | RIMS Advocacy FERMA Global Risk Manager Survey 2026 WEF.org 2025 Circular Water Economy White Paper Report 2025 Value of Water Campaign Report 2025 Industrial Water Solutions Columbus, OH 2026 Industrial Water Solutions Chicago, IL 2026 WEF Summit-Financing the Future of the U.S. Water Sector Podcast Upcoming RIMS-CRMP Prep Virtual Workshops: RIMS-CRMP Exam PrepApril 21‒22, 2026 | June 9‒10 Full RIMS-CRMP Prep Course Schedule See the full calendar of RIMS Virtual Workshops "Risk Appetite Management" | March 25‒26 "Claims Management" | April 7‒8 "Emerging Risks" | April 15 | Register Now! Upcoming RIMS Webinars: "Hard Hats & High Stakes: Women Leaders Shaping Construction Risk Management" | March 20 | Presented by RIMS "Navigating the New Global Risk Landscape: Lessons for Business Travelers in Unstable Times" | April 16 | Presented by Zurich and World Travel Protection RIMS.org/Webinars   Related RIMScast Episodes: "Water and Women in Risk with Sarah Mikolich" "Environmental Bias with Eloise Copland" "World Water Day, IoT, and Water Damage Reduction with John Dempsey" "World Water Day 2022 with Henk Ovink, Special Envoy for International Water Affairs for the Kingdom of the Netherlands" "Earth Observations, Acronyms, and Risk with Dr. Shanna McClain of NASA" (2021) "Combating Water Scarcity with AquaShares Founder James Workman" (2020)   Sponsored RIMScast Episodes: "Secondary Perils, Major Risks: The New Face of Weather-Related Challenges" | Sponsored by AXA XL (New!) "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: Ralph Exton, Executive Director, Water Environment Federation   Production and engineering provided by Podfly.

Junaid Shaikh: Managing Uncertainty As A Scrum Master, How Scrum's Rhythm Creates Stability In Unstable Times For this week's coaching conversation, Junaid brings a challenge that resonates well beyond any single team: dealing with uncertainty. He references the World Uncertainty Index report from February 2026, which showed the highest levels of global uncertainty ever recorded — surpassing both the COVID pandemic and the 2008 financial crisis. This uncertainty doesn't stay at the geopolitical level. It seeps into teams. People show up stressed, unsure about what the next month or three months will bring. As Scrum Masters, we need to be cognizant of where our team members are coming from. Vasco adds an important layer: uncertainty operates at multiple levels within organizations. A colleague you depend on might be out sick for two weeks. A supplier might not deliver on time. Every dependency is a source of uncertainty. The question becomes: what in our processes is designed to accept and adapt to that uncertainty? Junaid's answer is powerful in its simplicity: Scrum's rhythm. The sprint, the planning, the daily, the retrospective — these events at a defined cadence create internal predictability. "When you have a rhythm, when you have a known sequence of events in front of you, that takes away a lot of uncertainty." Vasco builds on this: Scrum creates a boundary — the sprint — that accepts uncertainty outside while reducing it inside. Internal versus external predictability. Inside the sprint, the team can fail in small ways without exposing every failure to the outside. Compare that with traditional project planning, where every task on the critical path has external visibility and impact. For practical tools, Junaid shares how he used the Eisenhower matrix with a team to convert uncertainty into actionable priorities. They listed all activities from recent sprints, plotted them on the matrix, and found they could delegate or deprioritize 20-25% of their work. That freed them to focus with certainty on the remaining 75%. Combined with timeboxing as an uncertainty management mechanism, teams can create pockets of predictability even in turbulent times. [The Scrum Master Toolbox Podcast Recommends]

Sunday, March 8, 2026 10:00AM

This week's Frankly marks a new recurring segment on this platform where Nate poses questions about our shared future: Uncomfortable Questions in Unstable Times. In this edition, he explores what would change if societies shifted their primary goal from growth to stability. Nate also unpacks how a lack of purpose in modern life might shape politics, culture, and personal choices. He then scales up to look at power and behavior through a wider lens, examining how incentives in systems can shape the behavior of a nation. Nate cites the example of Artificial Intelligence to demonstrate how the large-scale introduction of tools can alter how we experience reality, morality, and physical bottlenecks. Overall, this series is based on the premise that better questions may matter more than discrete answers as we move toward a more uncertain future. What would change in your life if the country you reside in chose stability over growth? How do notions of "fairness" shift in a world where some people are closer to the "brink" than others? Finally, where is the line between staying true to your values and giving up power in a society built around growth and accumulation? (Recorded February 10th, 2026)   Show Notes and More   Watch this video episode on YouTube   Want to learn the broad overview of The Great Simplification in 30 minutes? Watch our Animated Movie.   ---   Support The Institute for the Study of Energy and Our Future   Join our Substack newsletter   Join our Hylo channel and connect with other listeners  

In Exodus 17, we encounter Israel at their most vulnerable—tired, weary, seeking rest—when Amalek launches a surprise attack from the rear, targeting the weakest among them. This ancient battle reveals a timeless truth about our spiritual lives: the enemy doesn't fight fair, and attacks often come when we least expect them, in the places where we're most exhausted. What makes this passage so powerful is Moses' response. He doesn't just organize a military defense; he goes up the mountain with the rod of God, hands raised in complete dependence on the Lord. As long as his hands were lifted, Israel prevailed. When they dropped, the enemy gained ground. This isn't about magical gestures—it's about the posture of our hearts. When life sucker-punches us, when loved ones pass unexpectedly, when jobs disappear or health fails, we face a choice: will we depend on ourselves or on God? Moses teaches us that stability in unstable times comes from lifting our hands in worship, prayer, and surrender. But there's more—when Moses grew weak, Aaron and Hur didn't criticize his frailty or try to take over his calling. They simply held his arms up. We weren't meant to walk through trials alone. God's grace often comes through the hands of faithful friends who support us without judgment, who point us upward rather than inward, who help us maintain our dependence on God when we're too exhausted to do it ourselves.

How do you build a sustainable career in unsustainable times? This is the question we’re answering together in this episode. I discuss a framework to help us as working women and mothers set and keep a career we can sustain and thrive in over the years and through the many seasons of womanhood. Take a listen! Thanks for Listening! Thanks so much for tuning in and listening to this week's episode! If you enjoyed this week's episode, please share it by using the social media at the bottom of this post! Also, leave me a review for the TCS podcast on Apple Podcasts ! Got questions? Email me at corporate@thecorporatesister.com! Finally, please don't forget to subscribe on iTunes to get automatic updates! Any feedback you'd like to share? Please leave a note in the comments section below! PS: Keep you eye out for our new back-to-school planner (soon to come)! To Your Success, The Corporate Sister.

Matt Poepsel, PhD is author of "Expand the Circle: Enlightened Leadership for Our New World of Work", VP of Talent Optimization at The Predictive Index, and part-time faculty at Boston College. Matt discusses how leaders must prioritise human systems to adapt their approaches amid ongoing turbulence and disruption. Drawing from his military background and psychology expertise, Matt breaks down how to shift from control to connection, fostering hope, mutual trust and commitment. He offers clear guidance on managing through volatility, aligning teams in hybrid settings, exploring how to sustain motivation, rethink productivity, and embrace the opportunities.     KEY TAKEAWAYS   CHAPTER 1: Psychology, Empathy, and the Foundation of Leadership [01:19] During a Marine deployment, Matt is drawn to human behaviour and psychology. [02:49] For high performance and intense situations, military entities have psychology wired in. [03:37] Empathy and cohesion are underappreciated drivers of military agility and effectiveness. [05:15] High stakes work recognise 'softer' factors. Employers often miss the essential social glue.   CHAPTER 2: Transitioning to Human-Centred Tech-based Coaching [06:21] Matt leaves the military focused on product but is drawn to team leadership dynamics. [07:27] After a PhD on technology-assisted coaching, Matt starts a company to scale the concept. [08:05] Early coaching efforts centred on behaviour change, connection building and achievement orientation. [08:40] Millennials', and later Gen Zers, arrival highlighted need for new leadership approaches. [09:12] Even early technologies held innovation possibilities to improve human connection.   CHAPTER 3: Technology Acceleration and the Human Impact [10:45] Today's technology has increased convenience and productivity as well as disassociation.   [13:10] Mandated and mismanaged tech rollouts generate fear and resistance in employees. [13:55] Leaders can push productivity too fast, miss reactions showing people aren't yet on board. [15:37] First Principles are vital to understand actionable and effective priorities.   [16:10] Leaders need to counter employees withdrawing and reverting to self-interest. CHAPTER 4: Core Leadership Strategies for Unstable Times   [17:05] Hope acts as social gravity for leaders to bring teams back together. [18:58] Mutual understanding and trust between employers and employees needs cultivating. [20:35] Empathising with others reduces people the misjudgement of motives that increase fear. [22:40] Hierarchical org structure and career progression are outdated and block upward mobility. [24:00] Organisations need to be creative, evolve structures and upskill workers for adaptability. [25:03] Commitment to shared goals builds cohesion and counters fragmentation [28:45] Leadership training must emphasize empathy and collaboration skills [30:47] Leaders who aren't supported must proactively learn and adapt.   CHAPTER 5: Building Cohesive Teams in a Fragmented World     [31:50] Synchrony—aligned workflows—strengthens team connection and performance [32:52] Poor communication and decisions often isolate rather than unify [34:54] Redesigning how work gets done can restore belonging and efficiency [35:56] Leaders must assess cohesion and identity to guide 2026 planning [36:58] Focus on collective progress as the pace of change increases [38:00] Strong teams come from intentional connection, not just output   IMMEDIATE ACTION TIP: "To manage successfully through 2026, first take stock of your team, You need to know how things are. Then focus on cohesion because the way you're going to get through it is together."       RESOURCES   Matt Poepsel on LinkedIn Matt Poepsel's website The Predictive Index website Matt's Book "Expand the Circle: Enlightened Leadership for Our New World of Work"       QUOTES   "We can't succumb to the transactionalisation, the reductionism that's affecting the modern workplace. Because there are real economic consequences in terms of performance, but also human consequences in terms of our lived experience."   "The only way out is through."   "We have to take our people with us."   "I have to be the magnet rod that kind of draws us all back together through the way that I show up, the way that I diagnose problems, the way that I provide my coaching."   "Our human systems evolution is falling woefully behind our technology evolution."   "Let's try to get more creative… Let's emphasize those things that AI can't do and let's help our employees remain competitive and more valuable as a result."   "We have to check in with our teams and basically do that temperature check."

Try Church Sunday Matthew 9: 35-38 Sunday 11th January 2026

Stress isn't just an annoyance—it's a survival factor. When the world feels like it's cracking at the seams, your ability to manage stress could be the difference between good decisions and bad ones. In this episode of the Survival Punk Podcast, I talk about stress, what's fueling it right now, and how I deal with it in my own life.

Stress isn't just an annoyance—it's a survival factor. When the world feels like it's cracking at the seams, your ability to manage stress could be the difference between good decisions and bad ones. In this episode of the Survival Punk Podcast, I talk about stress, what's fueling it right now, and how I deal with it in my own life. "Dealing with Stress in Unstable Times | Episode 513" The post Dealing with Stress in Unstable Times | Episode 513 appeared first on Survivalpunk.

Cindy discusses the rise of true mothers and fathers, strategy for discipling new believers, “fishing” differently for the big catch, revival in the sex industry, and more! Cindy's books and information on her events are available at https://www.cindymcgill.org. For more information and to register for the 2026 Israel Tour visit ElijahStreams.com/Israel26 Thank you for making the always-free Elijah List Ministries possible! Click here to learn how to partner with us: https://ElijahStreams.com/Donate Prefer to donate by mail? Make your check or money order (US Dollars) payable to: “ElijahStreams” and mail it to: ElijahStreams, 525 2nd Ave SW, Suite 629, Albany, OR 97321 USA

On This Week at Charlestown Road, Jason and Roger revisit Sunday morning's sermon, “Stability for Unstable Times” digging deeper into what the Bible reveals as the ultimate source of stability, security, joy, peace, and hope.

Sunday Morning, September 14, 2025 | S0559 SPEAKER: Jason Hardin DOWNLOAD: Interactive outline WATCH NOW: Livestream S0559

How do you grow your faith when family life feels unstable? In this episode of the Blended Kingdom Teens Podcast, hosts Jerzi and Sidney talk about what it means to trust God as a teen in a blended family. They share real struggles and encouragement from Psalm 46:1, “God is our refuge and strength, an ever-present help in trouble.”Topics we cover in this episode:How to keep your faith strong when your family doesn't always prioritize church or ChristPractical ways to stand firm in your walk with God in a blended family homeEncouragement for teens learning to trust God through uncertainty and instabilityThis conversation is for teenagers, young adults, and blended families who want to know they're not alone in the challenges of living out their faith.Whether you're navigating divorced parents, stepfamilies, or struggling with spiritual consistency, this episode will inspire you to hold on to the truth that God is your refuge and strength.Stay strong and courageous!Have a question or topic you want us to cover? Email it to info@blendedkingdomteens.comConnect with us:TikTok: https://www.tiktok.com/@blendedkingdomteensIG: https://www.instagram.com/blendedkingdomteens/Merch: https://blendedkingdomteens.com/#merchWebsite: https://blendedkingdomteens.com/

The U.S. House met today about the fate of digital currency, and confidence is high that the way money will be distributed will change soon. President Trump's administration is quietly advancing stablecoin legislation that would hand digital currency control to the same banking cartel that owns the Federal Reserve. The STABLE Act and GENIUS Act don't protect financial privacy—they enshrine financial surveillance into law, requiring strict KYC tracking on every transaction. This isn't defeating digital tyranny—it's rebranding it. Listen M-F at 7 pm, pacific time, with Clyde Lewis and financial analyst, Alan Johnson, on groundzeroplus.com. Call in to the LIVE show at 503-225-0860. #groundzeroplus #ClydeLewis #stablecoin #CBDC

Rob Chadwick is an accomplished federal law enforcement officer and training leader, serving as the Director of Education and Training for Delta Defense and the USCCA   USCCA & Rising Crime in Major Cities Defending the Second Amendment Against Federal Overreach   Self-Defense & Readiness in Unstable Times

In this episode of the podcast, Rye & Jess sit down with Nicole Stanley, founder and head money coach at Arise Financial Coaching, to discuss financial empowerment, emotional money patterns, and how to build a healthier, shame-free relationship with your finances—especially during uncertain economic times.✨ What We Talk About:Rye + Jess share in the intro what they wish they would have learned about $ earlier onHow childhood money beliefs shape adult financial behaviorsThe connection between nervous system regulation and financial anxiety“Toxic frugality” — what it is, why it happens, and how to avoid itThe binge/restrict cycle with money and its parallels to disordered eatingTips for identifying and addressing income issues without burning outThe power of curiosity in transforming your money mindsetInvesting 101: why anyone (even with $5) can start todayThoughts on credit cards, crypto, real estate, and coaching as investmentsHow to build an abundant money mindset rooted in clarity, not fearNicole's "5 Financial Problems" framework:OverspendingHigh fixed expensesIncome problemsPoor money managementStrategy or order-of-operations mistakesResources Mentioned:

20250311 Staying Calm in Unstable Times Originally Broadcasted March 11, 2025, on ACB Media 6   Participants joined the Mental Health and Wellness Committee as we helped each other with tips and strategies to navigate these uncertain times. Disclaimer: The purpose of this group is for peer support only. It is not a therapy group, will not be facilitated by a health care professional, and does not purport to provide mental health services.   Sponsored By: The Mental Health and Wellness Committee     Find out more at https://acb-community.pinecast.co

Amanda Morrall joins to discuss how you can stabilise your finances in the midst of an economy in turmoil. LISTEN ABOVESee omnystudio.com/listener for privacy information.

On the world under Trump, and British responses.  Tim Pendry, author of the Unstable Times substack, as well as an international affairs consultant, talks to Alex H and Lee Jones about the world under Trump II, the massive shifts underway, and his own policy work with the Workers Party of Britain. How has intra-bourgeois struggle shaped the past decades in politics? What is "American imperial nationalism (MAGA)" plus a "real-estate negotiation style"? Who are the winners & losers of a "rational" return to classical great-power, sphere-of-influence politics? Why are the UK's tensions and problems an extreme version of what may soon apply to any ostensible American ally? What is the Workers Party of Britain's pitch and strategy? Are the bulk of British people really "left on economics, right on culture", and how does the WPB try to appeal to workers? What are the practical challenges of building and organising a new party? Links: Manifesto – Britain Deserves Better, Workers Party of Britain The Foundations of the Liberal Polycrisis, Unstable Times, Tim Pendry Taking Trump Seriously, Unstable Times, Tim Pendry Trumpism and Geo-Politics, Unstable Times, Tim Pendry

Sunday Morning at Hope Church Craigavon with Jamie Bambrick

Lyle Young, CSB, from Ottawa, Ontario, CanadaYou can read Lyle's editorial in the Christian Science Sentinel.

Today Jason welcomes back Lynette Zang from Zang Enterprises, highlighting her expertise in the economy, sound money, and precious metals. They discuss the recent surge in gold prices, attributed to global central banks' increased gold purchases, despite market manipulation efforts to suppress it. Zang explains that rising gold prices indicate failing currencies and manipulation by governments to maintain control. She emphasizes the importance of a peaceful return to sound money, like gold and silver, to restore fiscal responsibility and public confidence. Zang also discusses geopolitical instability, the erosion of purchasing power, and the need for community preparedness and global cooperation. https://www.LynetteZang.com #Economy #SoundMoney #Gold #PreciousMetals #FinancialStability #MarketManipulation #FiscalResponsibility #Geopolitics #PurchasingPower #CommunityPreparedness #GlobalCooperation   Follow Jason on TWITTER, INSTAGRAM & LINKEDIN Twitter.com/JasonHartmanROI Instagram.com/jasonhartman1/ Linkedin.com/in/jasonhartmaninvestor/ Call our Investment Counselors at: 1-800-HARTMAN (US) or visit: https://www.jasonhartman.com/ Free Class:  Easily get up to $250,000 in funding for real estate, business or anything else: http://JasonHartman.com/Fund CYA Protect Your Assets, Save Taxes & Estate Planning: http://JasonHartman.com/Protect Get wholesale real estate deals for investment or build a great business – Free Course: https://www.jasonhartman.com/deals Special Offer from Ron LeGrand: https://JasonHartman.com/Ron Free Mini-Book on Pandemic Investing: https://www.PandemicInvesting.com  

ECB President Christine Lagarde, US Federal Reserve Chair Jerome Powell and Governor of the Banco Central do Brasil Roberto Campos Neto sat down together to discuss the steps they've taken to fight inflation and reflect on the road ahead during the ECB Forum on Central Banking in Sintra, Portugal. Recorded on 2 July 2024 and published on 3 July 2024. 2024 ECB Forum on Central Banking https://www.ecb.europa.eu/press/conferences/ecbforum/html/index.en.html The ECB Podcast - The road ahead: is there room for optimism? https://www.ecb.europa.eu/press/tvservices/podcast/html/ecb.pod240627_episode86.en.html European Central Bank https://www.ecb.europa.eu/home/html/index.en.html European Banking Supervision https://www.bankingsupervision.europa.eu/home/html/index.en.html

Jason welcomes back Lynette Zang from Zang Enterprises, highlighting her expertise in the economy, sound money, and precious metals. They discuss the recent surge in gold prices, attributed to global central banks' increased gold purchases, despite market manipulation efforts to suppress it. Zang explains that rising gold prices indicate failing currencies and manipulation by governments to maintain control. She emphasizes the importance of a peaceful return to sound money, like gold and silver, to restore fiscal responsibility and public confidence. Zang also discusses geopolitical instability, the erosion of purchasing power, and the need for community preparedness and global cooperation. https://www.LynetteZang.com #Economy #SoundMoney #Gold #PreciousMetals #FinancialStability #MarketManipulation #FiscalResponsibility #Geopolitics #PurchasingPower #CommunityPreparedness #GlobalCooperation     Follow Jason on TWITTER, INSTAGRAM & LINKEDIN Twitter.com/JasonHartmanROI Instagram.com/jasonhartman1/ Linkedin.com/in/jasonhartmaninvestor/ Call our Investment Counselors at: 1-800-HARTMAN (US) or visit: https://www.jasonhartman.com/ Free Class:  Easily get up to $250,000 in funding for real estate, business or anything else: http://JasonHartman.com/Fund CYA Protect Your Assets, Save Taxes & Estate Planning: http://JasonHartman.com/Protect Get wholesale real estate deals for investment or build a great business – Free Course: https://www.jasonhartman.com/deals Special Offer from Ron LeGrand: https://JasonHartman.com/Ron Free Mini-Book on Pandemic Investing: https://www.PandemicInvesting.com  

Jason sends his greetings from Lisbon, Portugal! Today, we'll dive into gold as a key monetary measure. While Jason's not a gold bug, he values gold and silver as insurance rather than investments. True investments, like income property, offer multidimensional benefits such as inflation arbitrage and wealth creation. Gold lacks these characteristics but remains essential for its intrinsic value. Also, join us every second Wednesday for our masterclass on Alabama real estate. Register at https://www.jasonhartman.com/Wednesday and discover why income property is the ultimate investment! Today Jason welcomes back Lynette Zhang from Zhang Enterprises, highlighting her expertise in the economy, sound money, and precious metals. They discuss the recent surge in gold prices, attributed to global central banks' increased gold purchases, despite market manipulation efforts to suppress it. Zhang explains that rising gold prices indicate failing currencies and manipulation by governments to maintain control. She emphasizes the importance of a peaceful return to sound money, like gold and silver, to restore fiscal responsibility and public confidence. Zhang also discusses geopolitical instability, the erosion of purchasing power, and the need for community preparedness and global cooperation. https://www.LynetteZang.com #Economy #SoundMoney #Gold #PreciousMetals #FinancialStability #MarketManipulation #FiscalResponsibility #Geopolitics #PurchasingPower #CommunityPreparedness #GlobalCooperation Key Takeaways: Jason's introduction 1:28 Precious metals as insurance 3:17 The difference between money, currency and investments 4:55 Join our masterclass on the Alabama RE market https://www.jasonhartman.com/Wednesday Lynette Zang's interview 5:31 Gold and the manipulation of markets 16:11 Geo-politics, globalization and universal currency 18:43 Is a gold standard possible 21:45 How long till the END 27:15 What is hyperinflation 29:19 "Wagging the Dog" and the wars we can't see 32:41 Cryptocurrencies 37:03 Lynette's new venture   Follow Jason on TWITTER, INSTAGRAM & LINKEDIN Twitter.com/JasonHartmanROI Instagram.com/jasonhartman1/ Linkedin.com/in/jasonhartmaninvestor/ Call our Investment Counselors at: 1-800-HARTMAN (US) or visit: https://www.jasonhartman.com/ Free Class:  Easily get up to $250,000 in funding for real estate, business or anything else: http://JasonHartman.com/Fund CYA Protect Your Assets, Save Taxes & Estate Planning: http://JasonHartman.com/Protect Get wholesale real estate deals for investment or build a great business – Free Course: https://www.jasonhartman.com/deals Special Offer from Ron LeGrand: https://JasonHartman.com/Ron Free Mini-Book on Pandemic Investing: https://www.PandemicInvesting.com  

Today Jason welcomes back Lynette Zang from Zang Enterprises, highlighting her expertise in the economy, sound money, and precious metals. They discuss the recent surge in gold prices, attributed to global central banks' increased gold purchases, despite market manipulation efforts to suppress it. Zang explains that rising gold prices indicate failing currencies and manipulation by governments to maintain control. She emphasizes the importance of a peaceful return to sound money, like gold and silver, to restore fiscal responsibility and public confidence. Zang also discusses geopolitical instability, the erosion of purchasing power, and the need for community preparedness and global cooperation. https://www.LynetteZang.com #Economy #SoundMoney #Gold #PreciousMetals #FinancialStability #MarketManipulation #FiscalResponsibility #Geopolitics #PurchasingPower #CommunityPreparedness #GlobalCooperation   Follow Jason on TWITTER, INSTAGRAM & LINKEDIN Twitter.com/JasonHartmanROI Instagram.com/jasonhartman1/ Linkedin.com/in/jasonhartmaninvestor/ Call our Investment Counselors at: 1-800-HARTMAN (US) or visit: https://www.jasonhartman.com/ Free Class:  Easily get up to $250,000 in funding for real estate, business or anything else: http://JasonHartman.com/Fund CYA Protect Your Assets, Save Taxes & Estate Planning: http://JasonHartman.com/Protect Get wholesale real estate deals for investment or build a great business – Free Course: https://www.jasonhartman.com/deals Special Offer from Ron LeGrand: https://JasonHartman.com/Ron Free Mini-Book on Pandemic Investing: https://www.PandemicInvesting.com  

No matter what is going on around us, even if it seems like everything is falling apart, we must remember that God holds the entire universe in His hands. He is completely sovereign. Nothing passes through His hands by accident.  - Emily Rose Massey SUBSCRIBE to our sister podcasts: The Crosswalk Devotional: https://www.lifeaudio.com/crosswalk-devotional Your Daily Bible Verse: https://www.lifeaudio.com/your-daily-bible-verse  Discover more Christian podcasts at lifeaudio.com and inquire about advertising opportunities at lifeaudio.com/contact-us.

May we approach planning humbly, learning to adjust and adapt when things don't work out how we'd hoped. Because God is all-knowing and loves us dearly, we can trust His plans are always better than anything we orchestrate. May this truth free us to hold our plans loosely and adapt quickly when things don't work out the way we hope. - Laura Bailey   Subscribe on Apple Podcasts: https://apple.co/3NDdYqx  Subscribe on Spotify: https://sptfy.com/PBnW  Subscribe on YouTube: https://goo.by/TNqXfh   

Jesus was the servant of all. In fact, He was the Servant King. Christ shares in the Gospel of John the importance of serving and following Him as He serves others. - Emily Rose Massey   Subscribe on Apple Podcasts: https://apple.co/3NDdYqx  Subscribe on Spotify: https://sptfy.com/PBnW  Subscribe on YouTube: https://goo.by/TNqXfh   

Positive thinking is important, but without proper roots, we may force our view of what is good in front of what God proclaims “good.” Gratefulness intersects with positivity in a realistic way which allows us to see what we currently have and entrust God with what is to come. - Meg Bucher   Subscribe on Apple Podcasts: https://apple.co/3NDdYqx  Subscribe on Spotify: https://sptfy.com/PBnW  Subscribe on YouTube: https://goo.by/TNqXfh   

Do you ever start January with resolutions all shiny and bright? Do you think, “This is the year I'm going to get it all together?” And some of us work those goals like a bread maker kneading dough. But others, like myself, find those shiny resolutions dulling after a few days. - Jessica Van Roekel   Subscribe on Apple Podcasts: https://apple.co/3NDdYqx  Subscribe on Spotify: https://sptfy.com/PBnW  Subscribe on YouTube: https://goo.by/TNqXfh   

Every year I pray and choose a word that will set the tone of the new year. Some words I've chosen are words such as kind, patient, and this past year I chose the word proclaim. It is such a joy to see how God uses words and this simple yearly rhythm to grow me and direct my steps. This rhythm has become a practice to keep following Christ and becoming more like Him at the forefront of my mind all year long.  - Ashley Moore   SUBSCRIBE TO YOUR DAILY PRAYER: Apple Podcasts: https://apple.co/3NDdYqx  Spotify: https://sptfy.com/PBnW  YouTube: https://goo.by/TNqXfh   

The year is over and done with, and the new year, as it always does, has begun in earnest. Every year, as New Year's Day draws closer, we all want to imagine that a prosperous and optimistic future awaits us. So much so that we alienate ourselves from all the bad that we experienced during the past year and look forward to a new beginning.  - Molly Law   SUBSCRIBE TO YOUR DAILY PRAYER: Apple Podcasts: https://apple.co/3NDdYqx  Spotify: https://sptfy.com/PBnW  YouTube: https://goo.by/TNqXfh   

The New Year is upon us and as we begin to possibly ponder resolutions and ways to grow in every aspect of our lives, let's consider how we can continue to bring forth generosity this coming year. 2 Corinthians 9:7 lays out for us a beautiful depiction of the cheerful giver. If we take a look at the verse before that in 2 Corinthians 9:6, it tells us that whoever sows sparingly will also reap sparingly, but whoever sows generously will reap generously.  - Alicia Searl   SUBSCRIBE TO YOUR DAILY PRAYER: Apple Podcasts: https://apple.co/3NDdYqx  Spotify: https://sptfy.com/PBnW  YouTube: https://goo.by/TNqXfh   

The everlasting peace of Jesus may be hard to comprehend, but once we experience it for ourselves, we are forever changed. However long the storm we're facing lasts, God is faithful. His peace is available to us from beginning to end.  - Kristine Brown   SUBSCRIBE TO YOUR DAILY PRAYER: Apple Podcasts: https://apple.co/3NDdYqx  Spotify: https://sptfy.com/PBnW  YouTube: https://goo.by/TNqXfh   

This episode of Your Daily Prayer is sponsored by BetterHelp.  In our efforts to do good, let's not forget the presence of our Holy God. - Kristine Brown   SUBSCRIBE TO YOUR DAILY PRAYER: Apple Podcasts: https://apple.co/3NDdYqx  Spotify: https://sptfy.com/PBnW  YouTube: https://goo.by/TNqXfh   

Jack Krupey is the founder and principal at JK Asset Management, a firm focused on sharing private investment opportunities with accredited investors to help them grow their wealth without Wall Street. From working with a private equity fund on Wall Street during the 2008 crash to discovering and falling in love with syndications, Jack has been investing in both real estate and distressed debt since 2001.  In this episode, Jack discusses the state of the multifamily market, as well as cash-flow alternatives such as new construction, ground-up senior living, and build-to-rent. He also taps into his Wall Street experience to gauge the likelihood — or unlikelihood — of a housing crisis. Jack Krupey | Real Estate Background Founder and principal at JK Asset Management, a firm focused on sharing private investment opportunities with accredited investors to help them grow their wealth without Wall Street. Portfolio: Excluding funds: 1,132 units Including funds: 6,100+ units, including a 20,000-unit self-storage fund Based in: San Juan, Puerto Rico Say hi to him at:  jkaminvestments.com Best Ever Book: The 4-Hour Workweek, by Timothy Ferriss Greatest Lesson: You have to put yourself out there, whether it's direct-to-seller marketing or finding opportunities. You have to commit to the system, whether it's sourcing the off-market deals, putting out content to provide value to your target investor base — whatever it is, fully commit to it.   Click here to know more about our sponsors: MFIN CON

No matter what is going on around us, even if it seems like everything is falling apart, we must remember that God holds the entire universe in His hands. He is completely sovereign. Nothing passes through His hands by accident.  - Emily Rose Massey SUBSCRIBE to our sister podcasts: The Crosswalk Devotional: https://www.lifeaudio.com/crosswalk-devotional/Your Daily Bible Verse: https://www.lifeaudio.com/your-daily-bible-verse/See omnystudio.com/listener for privacy information.