Episodios

  • Health Insurance is Rigged & Controlled by the Big Companies w/ Donvan Ryckis of Ethos Benefits - AZ TRT S06 EP10 (272) 6-15-2025

    Health Insurance is Rigged & Controlled by the Big Companies w/ Donvan Ryckis of Ethos Benefits - AZ TRT S06 EP10 (272) 6-15-2025
    Jun 19 2025
    Health Insurance is Rigged & Controlled by the Big Companies w/ Donvan Ryckis of Ethos Benefits - AZ TRT S06 EP10 (272) 6-15-2025 What We Learned This Week Health Insurance is primarily run by the Big 4 - BUCA: Blue Cross United Healthcare, CIGNA, Aetna To Insurance Co’s – Premium = Revenue, and they are not going lower profits, so no incentive to lower costs Health insurance employer group plans can be broken down into 4 PartsNetwork PPO is what people typically think of when they think of health insurance There have been revisions to the Healthcare Act passed in 2021 Guest: Donovan Ryckis, Ethos Benefits https://ethosbenefits.com/ https://ethosbenefits.com/documentary/ https://businessofbenefitspodcast.com/ Our Ethos is Simple: Fiduciary First. Act in the best interest of those we serve—no matter the cost. ‘Ethos’ represents the guiding principle, character, or spirit of a person or organization. It’s the ‘why’ that drives decision-making and fuel’s purpose. Our Ethos is deeply rooted in the story of our Founder, Donovan Ryckis. Over a decade ago, Donovan, a fiduciary Series 65 securities advisor specializing in retirement and pension planning, was approached by a client facing a dire situation. The client’s publicly traded broker claimed there was no solution for a staggering 37.5% health insurance renewal increase—a cost that threatened the business and its employees. With no prior experience in health insurance markets but guided by his unwavering fiduciary principles, Donovan took on the challenge. The result? He mitigated the risk entirely, delivering a solution 12% below the current rate. This allowed the business to thrive and ensured hundreds of employees wouldn’t have to choose between basic necessities and skyrocketing health premiums. That moment sparked a revelation. The fraud, waste, and abuse Donovan had fought in retirement planning paled in comparison to the challenges in healthcare. He saw an opportunity to bring transparency and fiduciary principles to an industry in desperate need of change. Donovan pivoted his career, becoming one of the first fee-based health insurance advisors in the nation. By removing all conflicts of interest in broker compensation, he laid the foundation for what is now the leading innovative employee benefits agency in the country, delivering higher quality care at a significantly lower cost to employers nationwide. Notes: Ethos Benefits deals with employee benefits, with a primary focus on group health insurance Per Donovan ‘Employee benefits are rigged’ Insurance company premium equals revenue. There is no incentive to lower cost, as it would lower profits. ACA Obamacare passed in 2010, and it capped profits for insurance companies at 20% Insurance Co’s are working to expand their pool to make more profit Health Insurance guarantees inflation keeps going up, so family of 4 could spend 35K a year For a business, healthcare cost and employee benefits are a top 3 P&L expense Ethos strategies can create a 30 to 40% reduction on premium impact to lower costs for a business The HQ is in Florida, but they are a virtual office with agents and clients nationwide Healthcare finance and delivery + Improving employee benefits Seg 1 Donovan’s bio, he was a financial advisor with a Series 65 license before he got into health insurance. Around 2014 he moved into health insurance seeing an opportunity for better service. Typically you see agents who are working for the health insurance company and not really working for the employer companies they are selling to. Health insurance is primarily run by the Big 4 – BUCA: Blue Cross United Healthcare, CIGNA, Aetna. Health insurance employer group plans can be broken down into 4 Parts: 1. TPA or third-party administrator 2. Network PPO or HMO 3. Pharmacy benefit RX 4. Insurance that covers the caps the limits on the stop loss PPO is your primary network and open on using referrals HMO is a non-preferred network typically has less offerings and tight on referrals Ethos Benefits helps employers to break up the four parts of a group plan and customize Network PPO is what people typically think of when they think of health insurance. Network and the Big 4 health companies have a tighter deal with doctors and contract prices. A lot is pre-negotiated with a set of rates, which is the point of a PPO. This is where you get larger claims and they run in the system of healthcare. Seg 2 Pay more for healthcare in the U.S. than the rest of the world The biggest pharmaceutical companies are in the US Pharmaceutical companies in flight prices, and also set the prices They make money through spread pricing Employers can actually pick up their own Pharma benefit and get ...
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    47 m
  • 5 Types of Income to Create Infinite Income - AZ TRT S06 EP09 (271) 5-25-2025

    5 Types of Income to Create Infinite Income - AZ TRT S06 EP09 (271) 5-25-2025
    Jun 18 2025
    5 Types of Income to Create Infinite Income - AZ TRT S06 EP09 (271) 5-25-2025 What We Learned This Week Multiple Streams of Income strategy 5 Types of Income – Career, Investment, Retirement Account, Pension, Tax FreeDiversification of income provides you security and freedomBuild Infinite Income thru initial investment, and profits pay off loans, then go on foreverGeorge Lucas created the Star Wars IP one time, and gets infinite returns from the movies & merchandiseReal Estate, Business, and Insurance products are good assets for infinite income Notes: Segment 1: The 5 Types of Income – Why One Stream Isn't Enough Opening: The Economic Shift · The economic landscape has changed dramatically over the last 50 years. · While business and technology have advanced, personal finance education and systems haven’t kept pace. · Inflation has significantly eroded purchasing power. · It’s no longer the 1950s where one income could support a family of four. Now, two incomes are often required—and even then, many people have a third gig. The New Normal: Side Hustles & Financial Reality · According to recent stats, 70% of people need an additional income stream, often from a side business or freelance work. · 30% of Americans hold a second job. · Among millennials, that number rises to 50%. The Lesson from Robert Allen & Rich Dad, Poor Dad · Robert Allen’s Multiple Streams of Income advocated for income diversification to gain safety and freedom. · Robert Kiyosaki’s Rich Dad, Poor Dad emphasized acquiring income-producing assets—his favorite being real estate. The 5 Types of Income 1. Career or Business Income Your primary, day-to-day W-2 income—pays the bills and covers monthly expenses. 2. Investment Income Comes from appreciating or income-producing assets like real estate, stocks, or Bitcoin. 3. Retirement Accounts Tax-deferred income sources like IRAs or 401(k)s—subject to rules and penalties but critical for long-term planning. 4. Guaranteed Income Comes from pensions, annuities, or Social Security. Designed for lifetime income and stability. 5. Tax-Free Income Generated through Roth IRAs or cash value from life insurance. You pay tax on the seed, not the harvest. Call to Action: · Make a list of which of the five types of income you currently have. · Strategize how to build the remaining ones for a balanced, resilient financial future. Analogy: Just like a business has multiple products or a sports team has multiple ways to score, individuals should have diverse income sources to win financially. Segment 2: Infinite Income – Building Streams That Never Run Dry What Is Infinite Income? · Infinite income is ongoing, residual income that continues long after the original work or investment. · It’s the financial holy grail: put in work or money once, get paid over and over. Key Assets That Can Generate Infinite Income: · Tangible Assets: Real estate, businesses, stocks · Intangible Assets: Skills, knowledge, intellectual property (IP), network Examples of Infinite Income in Action 1. Real Estate · Buy a $250K property with 10% down ($25K). · Renters pay the mortgage; property appreciates. · Refinance later, pull out your original investment tax-free. · Continue collecting rental income even after loan is paid off. · Use refinance funds to buy more properties → Repeat → Scale. 2. Business Ownership · Start or buy a business using a loan. · Profits pay off the loan, then continue to generate revenue. · Later, use the business as collateral to expand or acquire another. 3. Life Insurance (IUL Strategy) · Fund a policy over time; cash value grows tax-deferred. · Take loans against the policy tax-free—used as supplemental retirement income. · Policy can also be a legacy tool, passing on wealth tax-free. 4. Intellectual Property (IP) · George Lucas with Star Wars—created once, profits for decades from merchandise and licensing. · Jeff Bezos still profits from Amazon stock, 30 years later. · Microsoft, McDonald’s, Coca-Cola—IP and systems built once, revenue continues for decades. · DC Comics still profiting off Superman IP created in the 1930s. Key Principles for Building Infinite Income · Choose the Right Assets: Real estate, businesses, IULs—not just assets that appreciate, but ones that cash flow. · Leverage and...
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    22 m
  • Artificial Intelligence (AI) – how the Algorithm Connects Us All Revisited - AZ TRT 2.0 – S06 EP08 (270) 5-11-2025

    Artificial Intelligence (AI) – how the Algorithm Connects Us All Revisited - AZ TRT 2.0 – S06 EP08 (270) 5-11-2025
    Jun 17 2025
    Artificial Intelligence (AI) – how the Algorithm Connects Us All Revisited AZ TRT 2.0 – S06 EP08 (270) 5-11-2025 What We Learned This Week: AI is inter-connected with so many technologies & you use AI often on a daily basis AI is a part of almost all industries from Healthcare, Finance to DefenseHuman in the Loop - humans will always be needed to Interpret the Data, but AI will assist Software Teams must be managed so the product is integrated properly in the bigger picture Moore’s Law – Each year computing power grows 2x as fast, but cuts the cost in half Guests: Naru (Narendran Muraleedharan), CEO / Founder of StaxAI – formerly Inventives & Aptus AI https://stax.ai/ linkedin.com/in/naru95 Bio: At Stax.ai, we empower retirement plan TPAs to streamline operations, enhance productivity, and deliver exceptional client experiences. Our innovative platform automates census data collection, payroll integrations, trust accounting, and client communication, all while providing actionable insights through AI-driven tools. Trusted by TPAs managing thousands of plans, Stax.ai transforms administrative burdens into seamless workflows, enabling you to focus on what matters most—growing your business and strengthening client relationships. Past Bio: Inventives / Aptus AI is a software solutions and artificial intelligence development and consulting firm. They provide aerospace, mechanical, and software engineering services to companies around the world. The Team is strong, and well-rounded consisting of engineers, developers, and physicists that focus on solving problems at the root. They help take ideas or concepts and build prototypes and deployments in very short periods of time with tight budgets while maintaining the best quality and client satisfaction. The main fields of expertise are RPA, Web App Development, Solutions Architecture, Artificial Intelligence, Computer Vision, and Simulation Systems. Note**: This interview was recorded in Oct. 2021 (S02 EP 43 (90) 10-24-21), since then Naru has changed the company name. Also, the BRT podcast has changed to AZ Tech Roundtable. Notes: Seg. 2 - 4 Naru returns to the show talking tech, software, and AI. His team is always developing new applications with AI in healthcare, finance, biotech, & aerospace. Naru shows how so many technologies are connected and what the future of business looks like. Inventives is the new company, with the same core technology team, but focusing the business into a venture studio by creating new AI projects for companies not yet using AI. Inventives new projects can become spinoff companies with this new technology. They work with B2B clients and also Investors for these types of companies. Radiology is a current project to enhance the patient experience using AI – called SKIP. This project is on the Operations side to make the patient process of paperwork, payments, etc. to be automated (& efficient) with AI working with the patient. This will be stand alone, but if adopted by other medical offices over the long term can streamline the healthcare industry. Naru and his team are working on document management, where their AI program will be able to read documents and determine what the info is. Rising Cloud is another project they are building that manages a company cloud usage to improve costs. Moore’s Law – Each year computing power grows 2x as fast, but cuts the cost in half Cloud Computing happens in the cloud and internet for your programming vs Edge Computing that happens right on your phone and does not need to go out to the cloud. Bigger the data request or process determines if Cloud or Edge is the best choice. People interact with AI (Artificial Intelligence) daily on their phone, email, internet search and beyond. User Agreements in your phone or websites you use say they can take your search data and use it to enhance your experience. AI Search uses past searches by you, vs what are the popular other searches by other people on the internet. It happens so fast and has the best / popular search options loading before you are even done typing. This is called a Recommendation Engine, just like Netflix or Amazon find shows or products you may like. These recs are similar to what you have watched or bought previously, or in similar genres. The downside is you may not see different options, just more of the same. AI determines what you see daily on the internet, and can create a silo effect. Inventives uses a common solution, called Human in the Loop to review what the AI is doing. Then the searches or recommendations are reviewed to see how accurate they are. Healthcare AI is assisting doctors, and even finding issues that humans have missed in a radiology study. AI has no bias, and does not get tired. The computer can repeat processes and be consistent. Key technologies of the day are constantly overlapping – AI, Big Data, Cloud, SaaS ...
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    47 m
  • AI Arms Race from ChatGPT to Deepseek - AZ TRT S06 EP08 (269) 4-20-2025

    AI Arms Race from ChatGPT to Deepseek - AZ TRT S06 EP08 (269) 4-20-2025
    Apr 24 2025
    AI Arms Race from ChatGPT to Deepseek - AZ TRT S06 EP08 (269) 4-20-2025 What We Learned This Week AI Arms Race is real with the major tech co’s involvedChatGPT by OpenAI is considering the top chat AI programGoogle has Gemini (was Bard), Microsoft has CoPilot, Amazon has Claude / AlexaDeepseek is a startup from China that has disrupted AI landscape with a more cost effective AI modelCosts and investment $ dollars into AI is being rethought as Deepseek spent millions $ vs Silicon Valley spending billions $ Notes: Seg 1: Major Tech Giants AI Programs - Gemini (was Bard) Developed by Google, Gemini is known for its multimodal capabilities and integration with Google Search. It can analyze images, understand verbal prompts, and engage in verbal conversations. ChatGPT Developed by OpenAI, ChatGPT is known for its versatility and platform-agnostic solution for text generation and learning. It can write code in almost any language, and can also be used to provide research assistance, generate writing prompts, and answer questions. Microsoft Copilot Developed by Microsoft, Copilot is known for its integration with applications like Word, Excel, and Power BI. It's particularly well-suited for document automation. Amazon Alexa w/ Claude - Improved AI Model: Claude is a powerful AI model from Anthropic, known for its strengths in natural language processing and conversational AI, as noted in the video and other sources. Industry 3.0 (1969-2010): The Third Industrial Revolution, or the Digital Revolution, was marked by the automation of production through the use of computers, information technology, and the internet. This era saw the widespread adoption of digital technologies, including programmable logic controllers and robots. Industry 4.0 (2010-present): The Fourth Industrial Revolution, also known as the Fourth Industrial Revolution, is characterized by the integration of digital technologies, including the Internet of Things (IoT), artificial intelligence (AI), big data, and cyber-physical systems, into manufacturing and industrial processes. This era is focused on creating "smart factories" and "smart products" that can communicate and interact with each other, leading to increased efficiency, customization, and sustainability. Top AI programs include a range of software, platforms, and resources for learning and working with artificial intelligence. Some of the most popular AI software tools include Viso Suite, ChatGPT, Jupyter Notebooks, and Google Cloud AI Platform, while popular AI platforms include TensorFlow and PyTorch. Educational resources like Coursera's AI Professional Certificate and Fast.ai's practical deep learning course also offer valuable learning opportunities. ChatGPT is a generative artificial intelligence chatbot developed by OpenAI and launched in 2022. It is based on large language models (LLMs) such as GPT-4o. ChatGPT can generate human-like conversational responses and enables users to refine and steer a conversation towards a desired length, format, style, level of detail, and language.[2] It is credited with accelerating the AI boom, which has led to ongoing rapid investment in and public attention to the field of artificial intelligence (AI).[3] Some observers have raised concern about the potential of ChatGPT and similar programs to displace human intelligence, enable plagiarism, or fuel misinformation.[4][5] OpenAI was founded in December 2015 by Sam Altman, Greg Brockman, Elon Musk, Ilya Sutskever, Wojciech Zaremba, and John Schulman. The founding team combined their diverse expertise in technology entrepreneurship, machine learning, and software engineering to create an organization focused on advancing artificial intelligence in a way that benefits humanity. Elon Musk is no longer involved in OpenAI, and Sam Altman is the current CEO of the organization. ChatGPT has had a profound influence on the evolution of AI, paving the way for advancements in natural language understanding and generation. It has demonstrated the effectiveness of transformer-based models for language tasks, which has encouraged other AI researchers to adopt and refine this architecture. The model's success has also stimulated interest in LLMs, leading to a wave of research and development in this area. Seg 2: DeepSeek is a private Chinese company founded in July 2023 by Liang Wenfeng, a graduate of Zhejiang University, one of China's top universities, who funded the startup via his hedge fund, according to the MIT Technology Review. Liang has about $8 billion in assets, Ives wrote in a Jan. 27 research note. Chinese startup DeepSeek's launch of its latest AI models, which it says are on a par or better than industry-leading models in the United States at a fraction of the cost, is threatening to upset the technology world order. The company has attracted attention in...
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    23 m
  • Tech Productivity - AZ TRT S06 EP06 (267) 3-23-2025

    Tech Productivity - AZ TRT S06 EP06 (267) 3-23-2025
    Apr 17 2025
    Tech Productivity - AZ TRT S06 EP06 (267) 3-23-2025 What We Learned This Week ChatGPT is an AI chatbot, developed by OpenAI, that can engage in human-like conversationsChatGPT can read docs, edit docs, answer Qs, and transcribeElevenreader – app that turns any document into audioGoogle Drive – office suite of tools for spreadsheets, docs, powerpoints, & moreTodoist – task management programPocket – web research tool that saves & organizes links Guest: Denver Nowicz, President - Wealth For Lifehttp://wealthforlife.net/ Denver is an advisor with nearly 20 years experience working with clients in investments and insurance, designing retirement plans with a combo of both. He takes us through different strategies for clients to get the best allocations for their money over the long term. It is the Combo Strategy of both Offense and Defense, the synergy of the mix, not ‘All or Nothing’. Notes: Seg 1 https://openai.com/index/chatgpt/ ChatGPT is an AI chatbot, developed by OpenAI, that can engage in human-like conversations and generate various text formats, including articles, emails, and code, based on the prompts it receives. Denver uses ChatGPT daily for both business and personal use You can have live interaction with ChatGPT where you can actually talk with the AI program using a microphone Example of this, Denver had to fix his boat motor and suspected something was wrong with the fuel line. Able to turn on the camera on his computer to show it to ChatGPT who helped diagnose the problem in real time. Another example is you can use ChatGPT for cooking to help with recipes It’s important to understand how you frame the questions to ChatGPT, to get the best answer as possible. ChatGPT can create work docs and summary docs. Common use is as an editor to what you write. Denver uses ChatGPT to help with his weekly newsletter. He will voice text into his phone the Notes. Then he copies those notes into the AI program and it helps create and write the newsletter. Then Denver can make edits on it. Can also upload previous docs that you have written, so the AI can figure out your writing style, and philosophy. Then the AI can write future docs in your style. The speed of AI is amazing where it literally saves you time and makes you more efficient. AI program can even read PDFs and screenshots, or you can give it a link to a video and it can pull the audio transcript. AI can be used as a teacher to discover new things, and even as a psychologist. There is a tech arms race going on in AI with programs like Microsoft Copilot, Google Bard, ChatGPT, and now Deepseek. Seg 2 Productivity apps recommended by Denver Many of the apps he uses are free or a very low cost, here are some he likes: Elevenreader AI voice app Turns any document into an audiobook. This can be time saving as you can listen to it vs reading it. App also has a library to store your audiobooks. https://elevenlabs.io/blog/introducing-elevenlabs-reader-app Google Drive Has a number of programs you can use like docs, storage, PowerPoint, share forms, and folders with people, an easy to tag and organize https://workspace.google.com/products/drive/ Todoist task management program The program can also sync up with your Google calendar, so you can voice task, text a task and then categorize it https://www.todoist.com/ Carl Pullen on time blocking – videos on LKIN YouTube link: HERE Pocket - web research tool so you can save links of website websites you search Also can organize your web, searches and links, and it saved in an app on your phone Search features in categorize in a folder Visual dashboard with links Very good to use with work or especially if you’re saving notes for a newsletter https://getpocket.com/home Wealth for Life Shows: https://brt-show.libsyn.com/category/Wealth+For+Life+ Investing Shows: https://brt-show.libsyn.com/category/Investing-Stocks-Bonds-Retirement ‘Best Of’ Topic: https://brt-show.libsyn.com/category/Best+of+BRT Thanks for Listening. Please Subscribe to the AZ TRT Podcast. AZ Tech Roundtable 2.0 with Matt Battaglia The show where Entrepreneurs, Top Executives, Founders, and Investors come to share insights about the future of business. AZ TRT 2.0 looks at the new trends in business, & how classic industries are evolving. Common Topics Discussed: Startups, Founders, Funds & Venture Capital, Business, Entrepreneurship, Biotech, Blockchain / Crypto, Executive Comp, Investing, Stocks, Real Estate + Alternative Investments, and more… AZ TRT Podcast Home Page: http://aztrtshow.com/ ‘Best Of’ AZ TRT Podcast: Click Here Podcast on Google: Click Here Podcast on Spotify: Click Here More Info: https://www.economicknight.com/azpodcast/ KFNX Info: https://1100kfnx.com/weekend-featured-shows/ Disclaimer: The views and...
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    24 m
  • Palantir Technologies, CEO Alex Karp & the New Era of Tech Defense Contractors - AZ TRT S06 EP05 (266) 3-9-2025

    Palantir Technologies, CEO Alex Karp & the New Era of Tech Defense Contractors - AZ TRT S06 EP05 (266) 3-9-2025
    Apr 11 2025
    Palantir Technologies, CEO Alex Karp & the New Era of Tech Defense Contractors - AZ TRT S06 EP05 (266) 3-9-2025 What We Learned This Week Palantir - AI powered automation for every decisionPalantir is named after the all seeing stone in Lord of the RingsSoftware integrates with company software to allow for searching and use of big dataPalantir mission is for more accountability within GovernmentPalantir has contracts with the U.S. Government helping with security and fighting terrorism Notes: Palantir Technologies & CEO Alex Karp Karp background in academics and philosophy, also Stanford law Palantir founders Karp & Joe Lonsdale worked together at PayPal, funded by Peter Thiel Was not profitable for 3 years - one of the secrets of Silicon Valley, build around an idea, work on how you’re going to make money off of it later Passion project, so need people who are dedicated, not just money driven Every text, email, business, it has all data and need to save somewhere Big data and data centers are one of the fastest growing industries and along with machine learning affect so many aspects of our life, both business, and personal Dataset and Data mining are thriving industries https://en.wikipedia.org/wiki/Palantir_Technologies Palantir Technologies Inc. is an American publicly traded company that specializes in software platforms[3] for big data analytics. Headquartered in Denver, Colorado, it was founded by Peter Thiel,[4] Stephen Cohen, Joe Lonsdale,[5] and Alex Karp in 2003. The company has four main projects: Palantir Gotham, Palantir Foundry, Palantir Apollo, and Palantir AIP. Palantir Gotham is an intelligence and defense tool used by militaries and counter-terrorism analysts. Its customers included the United States Intelligence Community (USIC) and United States Department of Defense.[6] Their software as a service (SaaS) is one of five offerings authorized for Mission Critical National Security Systems (IL5[7]) by the U.S. Department of Defense.[8][9] Palantir Foundry is used for data integration and analysis by corporate clients such as Morgan Stanley, Merck KGaA, Airbus, Wejo, Lilium, PG&E and Fiat Chrysler Automobiles.[10] Palantir Apollo is a platform to facilitate continuous integration/continuous delivery (CI/CD) across all environments.[11][12] Palantir's original clients were federal agencies of the USIC. It has since expanded its customer base to serve both international as well as state and local governments, and also to private companies.[13] Palantir software connects data, analytics, and operations to help organizations make decisions and improve efficiency. Palantir's software is used by government agencies and commercial enterprises. How Palantir works 1. Connects data: Palantir connects to data systems, data lakes, and platforms. 2. Analyzes data: Palantir analyzes data to find trends, relationships, and anomalies. 3. Visualizes data: Palantir visualizes data to help users understand insights. 4. Automates processes: Palantir automates processes to help users save time and improve efficiency. 5. Improves decision-making: Palantir helps users make better decisions by providing data-driven insights. Palantir has multiple platforms, including: · Palantir Gotham: Used by government agencies to detect patterns and derive insights from large amounts of data · Palantir Foundry: Used by commercial enterprises to integrate data, perform simulations, and optimize workflows · Palantir AIP: Used to deploy large language models and other AI within a private network Failure of 911 terrorist attacks where government organizations were not sharing information. Government has to be able to sift through large amounts of data, looking for a terrorist network, the old needle in a haystack. Software allows government to go thru data, and also share information. In the past governments could run spy networks only, now with computer hackers, it could be run by anybody with a computer. Hard to search for terrorist, very creative. In carps view, you have to think like an entrepreneur and be tactical when going after them. Cannot think in a static fashion, how did they do it in the past. When a terrorist is caught using a cell phone, they adapt to figure out how do they get caught and then use a different method. It’s like game theory, you have to think ahead of the terrorist and find their patterns before they even realize they are leaving pattern. Terrorist may think in different terms that society deems as destructive, but it still may be very creative, almost like an entrepreneur. Per carp, you need creative and adaptive thinkers to go after the bad guys. Cyber war is a real threat and not going anywhere. Need the government to combat it, but also must watch...
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    25 m
  • Kenmore is Home Electricity Made Easy - Modernize the Smart Home from Appliances to the Electric Grid – Revisited w/ CEO Sri Solur - AZ TRT S06 EP04 (265) 2-23-2025

    Kenmore is Home Electricity Made Easy - Modernize the Smart Home from Appliances to the Electric Grid – Revisited w/ CEO Sri Solur - AZ TRT S06 EP04 (265) 2-23-2025
    Apr 4 2025
    Kenmore is Home Electricity Made Easy - Modernize the Smart Home from Appliances to the Electric Grid – Revisited w/ CEO Sri Solur - AZ TRT S06 EP04 (265) 2-23-2025 What We Learned This Week · Kenmore is home electricity made easy. Kenmore is on a mission to modernize the home. Live More & Live Better. Also need to make it Affordable. · Clean Tech goes w/ the smart home, smart appliances (that connect to the home) and the electrical power grid for better living Electrical Grid needs to be modernized – cannot handle the current & future power demands · Homes built Pre-1990 run on Electric Panels that are outdated – costs of $40K + to modernize to handle charging EVs at home · Design of the Future House would have a Battery in it that could recharge your appliances and electronics during down hours. · Solving problems in electricity and energy also have the same issues with working on better water and clean food. It is more than just an energy and electric issue. Guest: Sri Solur, CEO, Kenmore / Brands https://www.linkedin.com/in/solur https://www.kenmore.com/ Sri Solur is chief executive officer of brands for Kenmore at Transformco. An industry veteran with 25+ years of experience, Sri has a rich history of success leading high tech products and businesses. He previously served as CPO and GM at Berkshire Grey, a leader in industrial robotics, and was a member of the leadership team that took the company public. Sri also served as CPO at SharkNinja, and was instrumental in bringing the Shark IQ Robot vacuum and NinjaFoodi products to market, while also holding a leadership role to take the company public. Sri spent 20 years at Hewlett Packard, serving as founder and CPO of CloudPrint, the company’s wearables and IOT business. In his career, Sri has created products for world-renowned brands including Hugo Boss, Movado, Ferrari, Juicy Couture, and more. Sri holds a bachelor’s degree in Engineering from NIT and an MBA from Boston University. As Earth Day approaches (April), Kenmore is empowering greener homes and people. The trusted appliance maker recently unveiled a new “Home Electrification Made Easy” program that looks to simplify the electrification process and reduce overall costs in transitioning to electric appliances. Kenmore has set an ambitious goal with the program to electrify one million homes that will ultimately save homeowners one billion dollars over the next decade. Kenmore’s innovation and energy programs are driving a new generation of electrification for today’s home ecosystem. Some of the company’s core innovations include: Expansion of electrification and smart products for every room in the home. Addition of electrification enablers, such as smart electrical panels and dynamic Level 2 EV chargers, that help eliminate roadblocks many homeowners have in wanting to electrify their entire home. Simplifying rebate and savings programs, such as Congress’ Inflation Reduction Act, to help customers cut costs by taking advantage of available local and national funding and discounts. Building relationships with industry leaders in product, service and consumer education to supplement and amplify their mission to electrify American homes. This electric push comes as a new generation of homeowners seek to invest in smarter, greener home solutions and previous generations are coming up against new government standards making accessibility to like-for-like replacement equipment for their home obsolete. With Kenmore’s electrification program delivering a quick onramp to affordable green energy homes, homeowners of all backgrounds and budgets have a more attainable path to smart, green home adoption. Notes: Kenmore CEO and Appliances Seg. 1 Major appliances and clean tech and sustainability energy security is a big issue on the macro end. The effect on the electric grid and power lines. There is lots of demand and potential blackouts. This is a fuel and demand issue. The government and utility companies are working on clean energy. Currently they use fossil fuels and working on using less. Design of the future house would have a battery in it that could recharge your appliances and electronics storing down ours. The electric layout of most homes, especially homes built pre-1990s has an 100 amp circuit. If you have modern tech like an EV charger in your house, an electrician cannot set it up because the EV charger will blow up your 100 amp circuit. It would cost you between $20 and 60 K to upgrade a house for a modern electric set up. Kenmore will install electric panel with load balance for EV vehicles and in-home appliances. Seg. 2 Electrical layout of a house as you install new appliances. There is a booster within the inflation reduction act...
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    47 m
  • Cybersecurity Response Plan w/ Frank Grimmelmann of ACTRA - AZ TRT S06 EP03 (264) 2-9-2025

    Cybersecurity Response Plan w/ Frank Grimmelmann of ACTRA - AZ TRT S06 EP03 (264) 2-9-2025
    Feb 25 2025
    Cybersecurity Response Plan w/ Frank Grimmelmann of ACTRA - AZ TRT S06 EP03 (264) 2-9-2025 What We Learned This Week ACTRA Arizona Cyber Threat Response Alliance Cyber threats affect everyone from Gov’t to business to private and growing Companies need to be responsive with speed to be effective + share information of attacks ACTRA has members from both government and private sector ACTRA helped create a state cybersecurity response model that other states can use Guest: Frank Grimmelmann https://www.actraaz.org/actra/leadership President & CEO/Intelligence Liaison Officer Mr. Grimmelmann also serves as Co-Chair (together with Arizona's Chief Information Security Officer) for the Arizona Cybersecurity Team (‘ACT’), created through the Governor’s Executive Order signed in March 2018. He also serves as a Founding Member of the National Leadership Group for the Information Sharing & Analysis Organization Standards Organization (‘ISAO SO’) at the University of Texas San Antonio (UTSA), created under the President’s Executive Order 13691 in February 2015. As ACTRA’s leader, Mr. Grimmelmann was invited as the first private sector representative in the Arizona Counter Terrorism Information Center (ACTIC) and served as its first private sector Executive Board representative from 2014-2019. He presently acts as ACTRA’s designated private sector liaison to ACTRA’s Key Agency and other non-Member Stakeholders. Mr. Grimmelmann served four terms as AZ InfraGard’s President from 2009-2012, serves today on numerous academic advisory boards, co-Chairs the Greater Phoenix Chamber's Cybersecurity Workforce Collaborative initiative, and is an engaged Member of the Arizona Technology Council’s Cybersecurity Advisory Board. In 2019, Mr. Grimmelmann was honored by the FBI, and the Board of Directors of both ACTRA and Arizona InfraGard as the first recipient of Arizona InfraGard’s ‘Visionary Award’ for creating the ACTRA framework over his last 2 terms as Arizona InfraGard’s President, and ACTRA's resulting collaboration between law enforcement/ intelligence agencies/USCYBERCOM, and its public, private and academic organizations over the past 7 years. He was simultaneously recognized by the FBI’s then Deputy Director for his contribution over the years. He remains an active Member of InfraGard since 2003 and an active Lifetime Member of the FBI Citizens Academy since 2006. Since 2002 he has devoted his full-time attention to protecting our nation’s critical infrastructure and national security interests, through eliminating unnecessary silos that hinder communication, allowing us to respond to today's increasing threat from our cyber adversaries, and in turn permitting ACTRA's Member Organizations to protect their critical infrastructure and our national security interests, while protecting their organization's assets . Educationally, he holds a dual MBA in International Business and Finance from the University of California at Berkeley and brings decades of experience as a senior executive in finance, healthcare and government, prior to focusing on Cybersecurity in response to 9/11. Notes: Seg 2 Cyber threats affect everybody, business, personal, and government. Cyber crime is a fact of life that we need to live with it, but stay ahead. Criminals are on the offense and only have to be correct 1% of the time. Everybody else is playing defense and has to be right 100% of the time. AI is an advanced tool that is turned out to be a two edge sword, can help and hurt. AI can only catch so much but can give a few of what is going on. This is a matter of national security, dealing with homeland security and many other departments of the government. You have threat intelligence to determine roles on how you’re going to handle hackers and ransom ware. Hackers can be local or foreign. All companies need a cyber policy and some sort of rapid tactical response. Cyber attacks are an ever growing threat to people and businesses, and continue to surge in 2024. There was 107% surge in malware attacks. These are on corporate computers, computers at work or home computers or even Home devices like Ring. You get a text through devices, phishing attacks. Company business email can be compromised in an attack, people’s passwords come out and it leads to millions of dollars in losses. Elderly people are very vulnerable, 353,000 attacks. You have supply chain threats by terrorist and nation state actors. There was a recent attack on United Healthcare for 100 million. People‘s information was exposed. This led to a $22 million ransom payment. Cyber attacks cause $2.9 billion in damages. Companies are paying ransom to faceless criminals. Very tough for the FBI to be tracking down on these criminals and try to fend off the extortion of stolen ...
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