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    <title>Risk Intelligence</title>
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    <description>Insurance is the necessary evil. We all need it, in some way or another. With 20 years of experience, Karen Adamsbaum will be sharing her knowledge, shedding light on common questions, coverage explanations, as well has conversations with her brokers, clients and business colleagues. Karen’s goal with this podcast is to keep the insurance topic simple and educative.</description>
    <pubDate>Mon, 08 Jun 2026 08:01:38 -0400</pubDate>
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        <copyright>Karen Adamsbaum</copyright>
    <category>Business</category>
    <ttl>1440</ttl>
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          <itunes:summary>Insurance is the necessary evil. We all need it, in some way or another. With 20 years of experience, Karen Adamsbaum will be sharing her knowledge, shedding light on common questions, coverage explanations, as well has conversations with her brokers, clients and business colleagues. Karen‘s goal with this podcast is to keep the insurance topic simple and educative.</itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
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        <title>Insurance Market is getting softer ( better )</title>
        <itunes:title>Insurance Market is getting softer ( better )</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/insurance-market-is-getting-softer-better/</link>
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        <itunes:summary><![CDATA[]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
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        <itunes:block>No</itunes:block>
        <itunes:duration>315</itunes:duration>
                        <itunes:episodeType>full</itunes:episodeType>
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    <item>
        <title>Crazy but True story..... SMH</title>
        <itunes:title>Crazy but True story..... SMH</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/crazy-but-true-story-smh/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/crazy-but-true-story-smh/#comments</comments>        <pubDate>Sun, 31 May 2026 12:15:13 -0400</pubDate>
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        <itunes:summary><![CDATA[]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>240</itunes:duration>
                        <itunes:episodeType>full</itunes:episodeType>
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        <title>Keep your agent in the loop.</title>
        <itunes:title>Keep your agent in the loop.</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/keep-your-agent-in-the-loop/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/keep-your-agent-in-the-loop/#comments</comments>        <pubDate>Sun, 17 May 2026 19:52:18 -0400</pubDate>
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        <itunes:summary><![CDATA[]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
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        <itunes:block>No</itunes:block>
        <itunes:duration>263</itunes:duration>
                        <itunes:episodeType>full</itunes:episodeType>
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        <title>Definitions Matter!!!</title>
        <itunes:title>Definitions Matter!!!</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/definitions-matter/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/definitions-matter/#comments</comments>        <pubDate>Mon, 11 May 2026 07:46:40 -0400</pubDate>
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        <itunes:summary><![CDATA[]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>230</itunes:duration>
                        <itunes:episodeType>full</itunes:episodeType>
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        <title>Quotes take time... rushing is not good....</title>
        <itunes:title>Quotes take time... rushing is not good....</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/quotes-take-time-rushing-is-not-good/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/quotes-take-time-rushing-is-not-good/#comments</comments>        <pubDate>Sun, 03 May 2026 14:45:26 -0400</pubDate>
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        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>335</itunes:duration>
                        <itunes:episodeType>full</itunes:episodeType>
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        <title>about me... on my birthday!!!!</title>
        <itunes:title>about me... on my birthday!!!!</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/about-me-on-my-birthday/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/about-me-on-my-birthday/#comments</comments>        <pubDate>Sun, 26 Apr 2026 11:38:44 -0400</pubDate>
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        <itunes:summary><![CDATA[]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>343</itunes:duration>
                        <itunes:episodeType>full</itunes:episodeType>
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    <item>
        <title>What are loss runs?</title>
        <itunes:title>What are loss runs?</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/what-are-loss-runs/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/what-are-loss-runs/#comments</comments>        <pubDate>Sun, 19 Apr 2026 08:21:24 -0400</pubDate>
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                                    <description><![CDATA[This episode is a continuation of the previous episode.   More in depth conversation about loss runs. 
]]></description>
                                                            <content:encoded><![CDATA[This episode is a continuation of the previous episode.   More in depth conversation about loss runs. 
]]></content:encoded>
                                    
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        <itunes:summary><![CDATA[This episode is a continuation of the previous episode.   More in depth conversation about loss runs. 
]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>222</itunes:duration>
                        <itunes:episodeType>full</itunes:episodeType>
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    <item>
        <title>Blocking the market and Loss Runs</title>
        <itunes:title>Blocking the market and Loss Runs</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/blocking-the-market-and-loss-runs/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/blocking-the-market-and-loss-runs/#comments</comments>        <pubDate>Mon, 13 Apr 2026 13:05:50 -0400</pubDate>
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        <itunes:summary><![CDATA[]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>289</itunes:duration>
                        <itunes:episodeType>full</itunes:episodeType>
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    <item>
        <title>Wait, I thought I was covered!?!?</title>
        <itunes:title>Wait, I thought I was covered!?!?</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/wait-i-thought-i-was-covered/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/wait-i-thought-i-was-covered/#comments</comments>        <pubDate>Mon, 06 Apr 2026 15:34:30 -0400</pubDate>
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        <itunes:summary><![CDATA[]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>309</itunes:duration>
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    <item>
        <title>Going Back to One of Our Most Insightful Conversations | Season 2 Episode 11</title>
        <itunes:title>Going Back to One of Our Most Insightful Conversations | Season 2 Episode 11</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/season-2-episode-11-interview-with-eric-silverman-his-success-by-just-changing-the-verbiage/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/season-2-episode-11-interview-with-eric-silverman-his-success-by-just-changing-the-verbiage/#comments</comments>        <pubDate>Mon, 30 Mar 2026 14:00:00 -0400</pubDate>
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                                    <description><![CDATA[<p class="isSelectedEnd">What if the way you say something matters more than what you say?</p>
<p class="isSelectedEnd">In this replay of Season 2 Episode 11, we revisit our conversation with Eric Silverman and uncover a simple yet powerful shift that changed the trajectory of his success.</p>
<p class="isSelectedEnd">This episode dives into how small changes in language can influence perception, build stronger connections, and open doors that once felt out of reach. It is not about working harder or reinventing your entire approach. It is about refining the way you communicate every day.</p>
<p class="isSelectedEnd">If you are in sales, insurance, business, or any client-facing role, this conversation will challenge you to rethink how you present value and engage with others.</p>
<p>Listen in and discover how a subtle shift in verbiage can create a meaningful impact.</p>









<p>#InsuranceProfessionals
#InsuranceAgent
#InsuranceBroker
#RiskManagement
#SalesInInsurance
#SalesProfessionals
#B2BSales
#SalesSuccess
#ClientRelationships
#TrustBuilding
#CommunicationMatters
#WordsMatter
#SalesPsychology
#InfluenceAndPersuasion
#BusinessGrowthTips
#HighPerformance
#ServiceExcellence
#ConsultativeSelling
#ValueSelling
#CommunicationMatters #WordsMatter #SalesPsychology #ClientRelationships #BusinessGrowthTips #ProfessionalDevelopment #ConsultativeSelling #InfluenceAndPersuasion</p>








]]></description>
                                                            <content:encoded><![CDATA[<p class="isSelectedEnd">What if the way you say something matters more than what you say?</p>
<p class="isSelectedEnd">In this replay of Season 2 Episode 11, we revisit our conversation with Eric Silverman and uncover a simple yet powerful shift that changed the trajectory of his success.</p>
<p class="isSelectedEnd">This episode dives into how small changes in language can influence perception, build stronger connections, and open doors that once felt out of reach. It is not about working harder or reinventing your entire approach. It is about refining the way you communicate every day.</p>
<p class="isSelectedEnd">If you are in sales, insurance, business, or any client-facing role, this conversation will challenge you to rethink how you present value and engage with others.</p>
<p>Listen in and discover how a subtle shift in verbiage can create a meaningful impact.</p>









<p>#InsuranceProfessionals<br>
#InsuranceAgent<br>
#InsuranceBroker<br>
#RiskManagement<br>
#SalesInInsurance<br>
#SalesProfessionals<br>
#B2BSales<br>
#SalesSuccess<br>
#ClientRelationships<br>
#TrustBuilding<br>
#CommunicationMatters<br>
#WordsMatter<br>
#SalesPsychology<br>
#InfluenceAndPersuasion<br>
#BusinessGrowthTips<br>
#HighPerformance<br>
#ServiceExcellence<br>
#ConsultativeSelling<br>
#ValueSelling<br>
#CommunicationMatters #WordsMatter #SalesPsychology #ClientRelationships #BusinessGrowthTips #ProfessionalDevelopment #ConsultativeSelling #InfluenceAndPersuasion</p>








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        <itunes:summary><![CDATA[What if the way you say something matters more than what you say?
In this replay of Season 2 Episode 11, we revisit our conversation with Eric Silverman and uncover a simple yet powerful shift that changed the trajectory of his success.
This episode dives into how small changes in language can influence perception, build stronger connections, and open doors that once felt out of reach. It is not about working harder or reinventing your entire approach. It is about refining the way you communicate every day.
If you are in sales, insurance, business, or any client-facing role, this conversation will challenge you to rethink how you present value and engage with others.
Listen in and discover how a subtle shift in verbiage can create a meaningful impact.









#InsuranceProfessionals#InsuranceAgent#InsuranceBroker#RiskManagement#SalesInInsurance#SalesProfessionals#B2BSales#SalesSuccess#ClientRelationships#TrustBuilding#CommunicationMatters#WordsMatter#SalesPsychology#InfluenceAndPersuasion#BusinessGrowthTips#HighPerformance#ServiceExcellence#ConsultativeSelling#ValueSelling#CommunicationMatters #WordsMatter #SalesPsychology #ClientRelationships #BusinessGrowthTips #ProfessionalDevelopment #ConsultativeSelling #InfluenceAndPersuasion








]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>1029</itunes:duration>
        <itunes:season>1</itunes:season>
        <itunes:episode>118</itunes:episode>
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        <title>Throwback to My Very First Episode of Risk Intelligence.</title>
        <itunes:title>Throwback to My Very First Episode of Risk Intelligence.</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/episode-1-how-i-got-here/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/episode-1-how-i-got-here/#comments</comments>        <pubDate>Mon, 23 Mar 2026 14:00:00 -0400</pubDate>
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                                    <description><![CDATA[<p class="isSelectedEnd">Throwback to my very first episode of Risk Intelligence.</p>
<p class="isSelectedEnd">In this episode, I share how everything started. What began as daily reflection during my 40-minute commute turned into a desire to make insurance easier to understand for those outside the industry.</p>
<p class="isSelectedEnd">Before the podcast, there was “Monday Momentum,” where I created short, one-minute videos to share simple insurance insights. The feedback and unexpected recognition I received showed me that people truly want clarity when it comes to insurance.</p>
<p class="isSelectedEnd">That realization led me to create Risk Intelligence. A space where I can share experiences, answer common questions, and talk about real-life scenarios in the insurance world.</p>
<p class="isSelectedEnd">This episode is a look back at the beginning, the purpose, and the journey.</p>
<p class="isSelectedEnd">If you want to understand insurance in a simpler way, this is where it all started.</p>
<p>Subscribe for more conversations, insights, and real-world insurance discussions.
#RiskIntelligence #PodcastThrowback #InsuranceEducation #MondayMomentum #InsurancePodcast</p>
]]></description>
                                                            <content:encoded><![CDATA[<p class="isSelectedEnd">Throwback to my very first episode of Risk Intelligence.</p>
<p class="isSelectedEnd">In this episode, I share how everything started. What began as daily reflection during my 40-minute commute turned into a desire to make insurance easier to understand for those outside the industry.</p>
<p class="isSelectedEnd">Before the podcast, there was “Monday Momentum,” where I created short, one-minute videos to share simple insurance insights. The feedback and unexpected recognition I received showed me that people truly want clarity when it comes to insurance.</p>
<p class="isSelectedEnd">That realization led me to create Risk Intelligence. A space where I can share experiences, answer common questions, and talk about real-life scenarios in the insurance world.</p>
<p class="isSelectedEnd">This episode is a look back at the beginning, the purpose, and the journey.</p>
<p class="isSelectedEnd">If you want to understand insurance in a simpler way, this is where it all started.</p>
<p>Subscribe for more conversations, insights, and real-world insurance discussions.<br>
#RiskIntelligence #PodcastThrowback #InsuranceEducation #MondayMomentum #InsurancePodcast</p>
]]></content:encoded>
                                    
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        <itunes:summary><![CDATA[Throwback to my very first episode of Risk Intelligence.
In this episode, I share how everything started. What began as daily reflection during my 40-minute commute turned into a desire to make insurance easier to understand for those outside the industry.
Before the podcast, there was “Monday Momentum,” where I created short, one-minute videos to share simple insurance insights. The feedback and unexpected recognition I received showed me that people truly want clarity when it comes to insurance.
That realization led me to create Risk Intelligence. A space where I can share experiences, answer common questions, and talk about real-life scenarios in the insurance world.
This episode is a look back at the beginning, the purpose, and the journey.
If you want to understand insurance in a simpler way, this is where it all started.
Subscribe for more conversations, insights, and real-world insurance discussions.#RiskIntelligence #PodcastThrowback #InsuranceEducation #MondayMomentum #InsurancePodcast]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
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        <itunes:block>No</itunes:block>
        <itunes:duration>189</itunes:duration>
        <itunes:season>1</itunes:season>
        <itunes:episode>180</itunes:episode>
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    <item>
        <title>Why Insurance Quotes Aren’t Instant: Understanding the Quoting Process</title>
        <itunes:title>Why Insurance Quotes Aren’t Instant: Understanding the Quoting Process</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/why-insurance-quotes-aren-t-instant-understanding-the-quoting-process/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/why-insurance-quotes-aren-t-instant-understanding-the-quoting-process/#comments</comments>        <pubDate>Mon, 09 Mar 2026 14:00:00 -0400</pubDate>
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                                    <description><![CDATA[<p>In this episode of Risk Intelligence, host Karen Adamsbaum explains what really happens behind the scenes when someone requests an insurance quote.</p>
<p>While many expect quick results, quoting often requires gathering key business details and going through underwriting, especially for more complex operations. Karen also shares why early quote requests before renewals don’t always move faster and how the typical 60–90 day underwriting window works.</p>
<p>Tune in to better understand the quoting process and set the right expectations when working with insurance agents and brokers. 🎙️</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>In this episode of Risk Intelligence, host Karen Adamsbaum explains what really happens behind the scenes when someone requests an insurance quote.</p>
<p>While many expect quick results, quoting often requires gathering key business details and going through underwriting, especially for more complex operations. Karen also shares why early quote requests before renewals don’t always move faster and how the typical 60–90 day underwriting window works.</p>
<p>Tune in to better understand the quoting process and set the right expectations when working with insurance agents and brokers. 🎙️</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/vx6ccriszhmjm7i6/quote_now8ibwu.mp3" length="4670761" type="audio/mpeg"/>
        <itunes:summary><![CDATA[In this episode of Risk Intelligence, host Karen Adamsbaum explains what really happens behind the scenes when someone requests an insurance quote.
While many expect quick results, quoting often requires gathering key business details and going through underwriting, especially for more complex operations. Karen also shares why early quote requests before renewals don’t always move faster and how the typical 60–90 day underwriting window works.
Tune in to better understand the quoting process and set the right expectations when working with insurance agents and brokers. 🎙️]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>291</itunes:duration>
                <itunes:episode>273</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>Premium vs Exclusions</title>
        <itunes:title>Premium vs Exclusions</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/premium-vs-exclusions/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/premium-vs-exclusions/#comments</comments>        <pubDate>Mon, 02 Mar 2026 11:18:31 -0500</pubDate>
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                                    <description><![CDATA[]]></description>
                                                            <content:encoded><![CDATA[]]></content:encoded>
                                    
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        <itunes:summary><![CDATA[]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>126</itunes:duration>
                        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>Merged 02/13/26 08:56:38</title>
        <itunes:title>Merged 02/13/26 08:56:38</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/merged-021326-085638/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/merged-021326-085638/#comments</comments>        <pubDate>Mon, 23 Feb 2026 08:57:25 -0500</pubDate>
        <guid isPermaLink="false">karenadamsbaum.podbean.com/bbe27c3e-7ccb-5e9c-a729-3f4500bf55bb</guid>
                                    <description><![CDATA[Changes in your life may need changes in your insurance coverages as well. ]]></description>
                                                            <content:encoded><![CDATA[Changes in your life may need changes in your insurance coverages as well. ]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/cc5jvehj20fu7gh6/episode_audio_746C5CE9-6E0B-4295-9349-F8B1BB59B040_yfziyn.mp3" length="3478533" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Changes in your life may need changes in your insurance coverages as well. ]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>217</itunes:duration>
                        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>Discussions with Permit Expert - Tatiana Gust</title>
        <itunes:title>Discussions with Permit Expert - Tatiana Gust</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/discussions-with-permit-expert-tatiana-gust/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/discussions-with-permit-expert-tatiana-gust/#comments</comments>        <pubDate>Mon, 16 Feb 2026 12:10:15 -0500</pubDate>
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                                    <description><![CDATA[]]></description>
                                                            <content:encoded><![CDATA[]]></content:encoded>
                                    
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        <itunes:summary><![CDATA[]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>686</itunes:duration>
                        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>Why small businesses fail after one claim</title>
        <itunes:title>Why small businesses fail after one claim</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/why-small-businesses-fail-after-one-claim/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/why-small-businesses-fail-after-one-claim/#comments</comments>        <pubDate>Mon, 09 Feb 2026 11:50:40 -0500</pubDate>
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                                    <description><![CDATA[]]></description>
                                                            <content:encoded><![CDATA[]]></content:encoded>
                                    
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        <itunes:summary><![CDATA[]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>175</itunes:duration>
                        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>Insurance Gap - too late?</title>
        <itunes:title>Insurance Gap - too late?</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/insurance-gap-too-late/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/insurance-gap-too-late/#comments</comments>        <pubDate>Mon, 02 Feb 2026 13:48:55 -0500</pubDate>
        <guid isPermaLink="false">karenadamsbaum.podbean.com/d0db6547-e30d-5095-bc53-a03a7e7d5d94</guid>
                                    <description><![CDATA[]]></description>
                                                            <content:encoded><![CDATA[]]></content:encoded>
                                    
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        <itunes:summary><![CDATA[]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>204</itunes:duration>
                        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>Its not about the cost.....</title>
        <itunes:title>Its not about the cost.....</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/its-not-about-the-cost/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/its-not-about-the-cost/#comments</comments>        <pubDate>Mon, 26 Jan 2026 09:07:10 -0500</pubDate>
        <guid isPermaLink="false">karenadamsbaum.podbean.com/7be288ae-f307-58d0-9c1a-f7e12d04168b</guid>
                                    <description><![CDATA[]]></description>
                                                            <content:encoded><![CDATA[]]></content:encoded>
                                    
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        <itunes:summary><![CDATA[]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>157</itunes:duration>
                        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>No such coverage called ”Full Coverage”</title>
        <itunes:title>No such coverage called ”Full Coverage”</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/no-such-coverage-called-full-coverage/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/no-such-coverage-called-full-coverage/#comments</comments>        <pubDate>Mon, 19 Jan 2026 14:33:14 -0500</pubDate>
        <guid isPermaLink="false">karenadamsbaum.podbean.com/9ffb26bc-08b1-555f-9e15-f2ba00740483</guid>
                                    <description><![CDATA[Best to understand the coverage you have versus “assuming” ]]></description>
                                                            <content:encoded><![CDATA[Best to understand the coverage you have versus “assuming” ]]></content:encoded>
                                    
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        <itunes:summary><![CDATA[Best to understand the coverage you have versus “assuming” ]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>139</itunes:duration>
                        <itunes:episodeType>full</itunes:episodeType>
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    <item>
        <title>Protecting those Holiday presents!</title>
        <itunes:title>Protecting those Holiday presents!</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/protecting-those-holiday-presents/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/protecting-those-holiday-presents/#comments</comments>        <pubDate>Mon, 12 Jan 2026 09:48:57 -0500</pubDate>
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                                    <description><![CDATA[This episodes explains how to protect those high value gifts you received for the holidays .   ]]></description>
                                                            <content:encoded><![CDATA[This episodes explains how to protect those high value gifts you received for the holidays .   ]]></content:encoded>
                                    
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        <itunes:summary><![CDATA[This episodes explains how to protect those high value gifts you received for the holidays .   ]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>191</itunes:duration>
                        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>Uninsured and Underinsured Explained</title>
        <itunes:title>Uninsured and Underinsured Explained</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/uninsured-and-underinsured-explained/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/uninsured-and-underinsured-explained/#comments</comments>        <pubDate>Mon, 05 Jan 2026 13:25:44 -0500</pubDate>
        <guid isPermaLink="false">karenadamsbaum.podbean.com/f7983b92-0edd-5a78-94ed-6109524e48cd</guid>
                                    <description><![CDATA[These are 2 coverages on your auto policy.   This podcast explains both.   Take a listen.  ]]></description>
                                                            <content:encoded><![CDATA[These are 2 coverages on your auto policy.   This podcast explains both.   Take a listen.  ]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/f5ym8rg54hkuhoog/episode_audio_C2EAA290-F30E-4AF3-B91E-EB1170D9D62C_uzxef6.mp3" length="2732476" type="audio/mpeg"/>
        <itunes:summary><![CDATA[These are 2 coverages on your auto policy.   This podcast explains both.   Take a listen.  ]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>170</itunes:duration>
                        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>Cyber - Dont be foolish ....</title>
        <itunes:title>Cyber - Dont be foolish ....</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/cyber-dont-be-foolish/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/cyber-dont-be-foolish/#comments</comments>        <pubDate>Mon, 29 Dec 2025 07:13:12 -0500</pubDate>
        <guid isPermaLink="false">karenadamsbaum.podbean.com/4dc6433f-66f3-5137-a6a3-dc587599796e</guid>
                                    <description><![CDATA[As a business owner, work with your risk manager on securing cyber coverage.   Cyber criminals are getting smarter. ]]></description>
                                                            <content:encoded><![CDATA[As a business owner, work with your risk manager on securing cyber coverage.   Cyber criminals are getting smarter. ]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/t0vbhfxi1w6pnxaj/episode_audio_95CE3B01-9761-49AA-8C28-1C2E77D1BA1E_9zf5mq.mp3" length="3879774" type="audio/mpeg"/>
        <itunes:summary><![CDATA[As a business owner, work with your risk manager on securing cyber coverage.   Cyber criminals are getting smarter. ]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>242</itunes:duration>
                        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>Umbrella vs Excelss Liability</title>
        <itunes:title>Umbrella vs Excelss Liability</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/umbrella-vs-excelss-liability/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/umbrella-vs-excelss-liability/#comments</comments>        <pubDate>Mon, 22 Dec 2025 10:39:42 -0500</pubDate>
        <guid isPermaLink="false">karenadamsbaum.podbean.com/082eb160-03f3-5a01-9d3d-e754a0faa235</guid>
                                    <description><![CDATA[This episode I explain the difference between these 2 coverages ]]></description>
                                                            <content:encoded><![CDATA[This episode I explain the difference between these 2 coverages ]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/ca64rlhccz0jzich/episode_audio_8CF557CD-3501-4492-839B-6A8E13F0F63C_ys9bj8.mp3" length="2839055" type="audio/mpeg"/>
        <itunes:summary><![CDATA[This episode I explain the difference between these 2 coverages ]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>177</itunes:duration>
                        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>Preparation is key for Insurance….</title>
        <itunes:title>Preparation is key for Insurance….</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/preparation-is-key-for-insurance%e2%80%a6/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/preparation-is-key-for-insurance%e2%80%a6/#comments</comments>        <pubDate>Sat, 01 Nov 2025 09:27:12 -0400</pubDate>
        <guid isPermaLink="false">karenadamsbaum.podbean.com/3fbbf4d9-2f0b-5e29-815e-6f54e7011aac</guid>
                                    <description><![CDATA[most feel that insurance is just for protection.. 

preparation is just as important.]]></description>
                                                            <content:encoded><![CDATA[most feel that insurance is just for protection.. 

preparation is just as important.]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/dzkzssgazxza0b01/episode_audio_A2EFF5A0-FD4B-4E19-8F89-2314C6BEDCF3_xssgvk.mp3" length="3404554" type="audio/mpeg"/>
        <itunes:summary><![CDATA[most feel that insurance is just for protection.. 

preparation is just as important.]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>212</itunes:duration>
                        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>dont sign the contract until....</title>
        <itunes:title>dont sign the contract until....</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/dont-sign-the-contract-until/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/dont-sign-the-contract-until/#comments</comments>        <pubDate>Thu, 23 Oct 2025 18:30:28 -0400</pubDate>
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                                    <description><![CDATA[]]></description>
                                                            <content:encoded><![CDATA[]]></content:encoded>
                                    
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        <itunes:summary><![CDATA[]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>211</itunes:duration>
                        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>The importance of claims service</title>
        <itunes:title>The importance of claims service</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/the-importance-of-claims-service/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/the-importance-of-claims-service/#comments</comments>        <pubDate>Wed, 15 Oct 2025 11:17:53 -0400</pubDate>
        <guid isPermaLink="false">karenadamsbaum.podbean.com/39abb8b8-037b-5fc6-a03f-22694bfd9849</guid>
                                    <description><![CDATA[]]></description>
                                                            <content:encoded><![CDATA[]]></content:encoded>
                                    
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        <itunes:summary><![CDATA[]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>140</itunes:duration>
                        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>What is an “Additional Insured” on a certificate of insurance</title>
        <itunes:title>What is an “Additional Insured” on a certificate of insurance</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/what-is-an-additional-insured-on-a-certificate-of-insurance/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/what-is-an-additional-insured-on-a-certificate-of-insurance/#comments</comments>        <pubDate>Wed, 08 Oct 2025 19:53:56 -0400</pubDate>
        <guid isPermaLink="false">karenadamsbaum.podbean.com/29f3cead-1ca9-5686-b2b1-95cdd28ed3b7</guid>
                                    <description><![CDATA[]]></description>
                                                            <content:encoded><![CDATA[]]></content:encoded>
                                    
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        <itunes:summary><![CDATA[]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>279</itunes:duration>
                        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>I had no claims - why is my premium increasing</title>
        <itunes:title>I had no claims - why is my premium increasing</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/i-had-no-claims-why-is-my-premium-increasing/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/i-had-no-claims-why-is-my-premium-increasing/#comments</comments>        <pubDate>Wed, 01 Oct 2025 20:20:33 -0400</pubDate>
        <guid isPermaLink="false">karenadamsbaum.podbean.com/70e1114b-c47a-5c8d-bbd7-49f82e50542e</guid>
                                    <description><![CDATA[]]></description>
                                                            <content:encoded><![CDATA[]]></content:encoded>
                                    
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        <itunes:summary><![CDATA[]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>472</itunes:duration>
                        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>How the tides have turned</title>
        <itunes:title>How the tides have turned</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/how-the-tides-have-turned/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/how-the-tides-have-turned/#comments</comments>        <pubDate>Wed, 16 Jul 2025 15:44:20 -0400</pubDate>
        <guid isPermaLink="false">karenadamsbaum.podbean.com/702f00ec-297c-5e3e-b08c-47cfbc05841d</guid>
                                    <description><![CDATA[Big difference as to what insureds do now versus a few years ago…. ]]></description>
                                                            <content:encoded><![CDATA[Big difference as to what insureds do now versus a few years ago…. ]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/s8cfukjpxa8rxlft/episode_audio_92BCE95D-BE1C-431E-ACD7-11A29D7E4A2B_dmfyqh.mp3" length="2929335" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Big difference as to what insureds do now versus a few years ago…. ]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>182</itunes:duration>
                        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>How much longer for insurance hard market?</title>
        <itunes:title>How much longer for insurance hard market?</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/how-much-longer-for-insurance-hard-market/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/how-much-longer-for-insurance-hard-market/#comments</comments>        <pubDate>Thu, 19 Jun 2025 13:56:51 -0400</pubDate>
        <guid isPermaLink="false">karenadamsbaum.podbean.com/07347e01-4832-5884-a0fc-7ded5a8c630e</guid>
                                    <description><![CDATA[When is this hard market going to end?   Why are we in a hard market?   Take a listen with your cup of coffee. ]]></description>
                                                            <content:encoded><![CDATA[When is this hard market going to end?   Why are we in a hard market?   Take a listen with your cup of coffee. ]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/8t6rx0yr6o84ipy9/episode_audio_B89AFAB7-3343-4D5E-BAEB-5DAED0CE6DAB_8k23yd.mp3" length="3293795" type="audio/mpeg"/>
        <itunes:summary><![CDATA[When is this hard market going to end?   Why are we in a hard market?   Take a listen with your cup of coffee. ]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>205</itunes:duration>
                        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>Insight of Contractors Frustrations</title>
        <itunes:title>Insight of Contractors Frustrations</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/insight-of-contractors-frustrations/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/insight-of-contractors-frustrations/#comments</comments>        <pubDate>Tue, 06 May 2025 14:21:46 -0400</pubDate>
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                                    <description><![CDATA[<p>One on One conversation with Builder, Warren King regarding the frustrations that contractors have with regarding to insurance.   </p>
]]></description>
                                                            <content:encoded><![CDATA[<p>One on One conversation with Builder, Warren King regarding the frustrations that contractors have with regarding to insurance.   </p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/pxzr26dsdwemcizw/WK_041125_AUDIO_GMT20250411-184700_Recording9uzd4.m4a" length="28840606" type="audio/x-m4a"/>
        <itunes:summary><![CDATA[One on One conversation with Builder, Warren King regarding the frustrations that contractors have with regarding to insurance.   ]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>1812</itunes:duration>
                <itunes:episode>236</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>Full Circle</title>
        <itunes:title>Full Circle</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/full-circle-1736342751/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/full-circle-1736342751/#comments</comments>        <pubDate>Fri, 10 Jan 2025 10:25:10 -0500</pubDate>
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                                    <description><![CDATA[]]></description>
                                                            <content:encoded><![CDATA[]]></content:encoded>
                                    
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        <itunes:summary><![CDATA[]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>216</itunes:duration>
                        <itunes:episodeType>full</itunes:episodeType>
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    <item>
        <title>Net-work is Net-worth</title>
        <itunes:title>Net-work is Net-worth</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/net-work-is-net-worth/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/net-work-is-net-worth/#comments</comments>        <pubDate>Wed, 01 Jan 2025 19:00:11 -0500</pubDate>
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                                    <description><![CDATA[]]></description>
                                                            <content:encoded><![CDATA[]]></content:encoded>
                                    
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        <itunes:summary><![CDATA[]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>295</itunes:duration>
                        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>Final - Keep sticking it out</title>
        <itunes:title>Final - Keep sticking it out</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/final-keep-sticking-it-out/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/final-keep-sticking-it-out/#comments</comments>        <pubDate>Sun, 22 Sep 2024 15:22:13 -0400</pubDate>
        <guid isPermaLink="false">karenadamsbaum.podbean.com/6888a38c-c8ac-5db9-bfb5-4b8ba3a33e63</guid>
                                    <description><![CDATA[]]></description>
                                                            <content:encoded><![CDATA[]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/gs2ap55f06ff8xvi/episode_audio_0040CCB5-E38A-4D91-B7C0-2F20A8218E10_nsfb53.mp3" length="2957338" type="audio/mpeg"/>
        <itunes:summary><![CDATA[]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>183</itunes:duration>
                        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>Final - Stick it out</title>
        <itunes:title>Final - Stick it out</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/final-stick-it-out/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/final-stick-it-out/#comments</comments>        <pubDate>Wed, 10 Jul 2024 08:51:35 -0400</pubDate>
        <guid isPermaLink="false">karenadamsbaum.podbean.com/05d8e401-c3b9-5c6e-8983-5d06c72afbb6</guid>
                                    <description><![CDATA[We are in an insurance hard market.  We are all feeling it.  Best advice, talk to your broker to see if worthwhile to shop out or raise deductibles to help keep costs down. ]]></description>
                                                            <content:encoded><![CDATA[We are in an insurance hard market.  We are all feeling it.  Best advice, talk to your broker to see if worthwhile to shop out or raise deductibles to help keep costs down. ]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/dv9cpsjvwm5fzoso/episode_audio_F9FCBB6E-36C3-48FD-AE32-ED5F404835C2_hrjsfm.mp3" length="4112160" type="audio/mpeg"/>
        <itunes:summary><![CDATA[We are in an insurance hard market.  We are all feeling it.  Best advice, talk to your broker to see if worthwhile to shop out or raise deductibles to help keep costs down. ]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>255</itunes:duration>
                        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>how good is your insurance company?</title>
        <itunes:title>how good is your insurance company?</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/how-good-is-your-insurance-company/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/how-good-is-your-insurance-company/#comments</comments>        <pubDate>Sat, 04 May 2024 16:39:42 -0400</pubDate>
        <guid isPermaLink="false">karenadamsbaum.podbean.com/277487fe-7d33-5cfb-b833-2193349fee95</guid>
                                    <description><![CDATA[What you pay.. is what you get… ]]></description>
                                                            <content:encoded><![CDATA[What you pay.. is what you get… ]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/0yw5gz930sn58zw5/episode_audio_61DE0C23-5ED0-44E5-86FE-7FDD4F311BEB_wf5pbi.mp3" length="1674621" type="audio/mpeg"/>
        <itunes:summary><![CDATA[What you pay.. is what you get… ]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>103</itunes:duration>
                        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>But it’s my neighbors tree!?</title>
        <itunes:title>But it’s my neighbors tree!?</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/but-it-s-my-neighbors-tree/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/but-it-s-my-neighbors-tree/#comments</comments>        <pubDate>Mon, 01 Apr 2024 18:01:55 -0400</pubDate>
        <guid isPermaLink="false">karenadamsbaum.podbean.com/57a0c442-6ba9-5cc1-bed9-4660a10bed97</guid>
                                    <description><![CDATA[My neighbor has a tree.. does not look good.  What if it falls.. what do I do? ]]></description>
                                                            <content:encoded><![CDATA[My neighbor has a tree.. does not look good.  What if it falls.. what do I do? ]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/lwdfbx/episode_audio_240387FB-02FA-4BD7-83EA-7B3C67BB17CE_fgu6ei.mp3" length="1932502" type="audio/mpeg"/>
        <itunes:summary><![CDATA[My neighbor has a tree.. does not look good.  What if it falls.. what do I do? ]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>120</itunes:duration>
                        <itunes:episodeType>full</itunes:episodeType>
        <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog12032415/cover_240387FB-02FA-4BD7-83EA-7B3C67BB17CE.jpg" />    </item>
    <item>
        <title>“One word” can cost you thousands of $$$$$$</title>
        <itunes:title>“One word” can cost you thousands of $$$$$$</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/one-word-can-cost-you-thousands-of/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/one-word-can-cost-you-thousands-of/#comments</comments>        <pubDate>Thu, 01 Feb 2024 18:37:06 -0500</pubDate>
        <guid isPermaLink="false">karenadamsbaum.podbean.com/31716b50-6322-5ccb-a719-c69ce61c2c53</guid>
                                    <description><![CDATA[]]></description>
                                                            <content:encoded><![CDATA[]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/ryrogj/episode_audio_3CFAF8B8-B18F-4FC9-99CA-7B0CE2E0E2FC_346e67.mp3" length="3386583" type="audio/mpeg"/>
        <itunes:summary><![CDATA[]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>210</itunes:duration>
                        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>Season 5 - Why Insurance Rates are Increasing</title>
        <itunes:title>Season 5 - Why Insurance Rates are Increasing</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/season-5-why-insurance-rates-are-increasing/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/season-5-why-insurance-rates-are-increasing/#comments</comments>        <pubDate>Mon, 01 Jan 2024 17:48:47 -0500</pubDate>
        <guid isPermaLink="false">karenadamsbaum.podbean.com/35a8d6a8-6279-372b-9068-8e36d8e2e6c8</guid>
                                    <description><![CDATA[<p>A very simple explanation as to why insurance companies are increasing their premiums. </p>
]]></description>
                                                            <content:encoded><![CDATA[<p>A very simple explanation as to why insurance companies are increasing their premiums. </p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/n9x75m/rates-ate-increasing-legOB.m4a" length="4616098" type="audio/x-m4a"/>
        <itunes:summary><![CDATA[A very simple explanation as to why insurance companies are increasing their premiums. ]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>146</itunes:duration>
                <itunes:episode>221</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>Season5 -Episode 4 - No Excuses while on Vacation</title>
        <itunes:title>Season5 -Episode 4 - No Excuses while on Vacation</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/season5-episode-4-no-excuses-while-on-vacation/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/season5-episode-4-no-excuses-while-on-vacation/#comments</comments>        <pubDate>Mon, 18 Sep 2023 07:55:19 -0400</pubDate>
        <guid isPermaLink="false">karenadamsbaum.podbean.com/33a1b588-5a20-39e9-bb3c-2dbd5a7f16ba</guid>
                                    <description><![CDATA[<p>I recently headed to Myrtle Beach for 20 days.   Yes, I worked, but differently.    Take a listen.    You can always stay on track - no excuses. </p>
]]></description>
                                                            <content:encoded><![CDATA[<p>I recently headed to Myrtle Beach for 20 days.   Yes, I worked, but differently.    Take a listen.    You can always stay on track - no excuses. </p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/m3fwsx/stay-on-track-ohwRA.m4a" length="6103109" type="audio/x-m4a"/>
        <itunes:summary><![CDATA[I recently headed to Myrtle Beach for 20 days.   Yes, I worked, but differently.    Take a listen.    You can always stay on track - no excuses. ]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>193</itunes:duration>
                <itunes:episode>220</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>Season 5 - Episode 3</title>
        <itunes:title>Season 5 - Episode 3</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/season-5-episode-3/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/season-5-episode-3/#comments</comments>        <pubDate>Sun, 06 Aug 2023 12:02:08 -0400</pubDate>
        <guid isPermaLink="false">karenadamsbaum.podbean.com/c02517ed-e3b9-3330-8108-e78030496937</guid>
                                    <description><![CDATA[<p>Every employer should be aware of all disabilities of others whether it is an employee, customer or any other third party.</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Every employer should be aware of all disabilities of others whether it is an employee, customer or any other third party.</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/x24sfp/ada-lnYcT.m4a" length="3869905" type="audio/x-m4a"/>
        <itunes:summary><![CDATA[Every employer should be aware of all disabilities of others whether it is an employee, customer or any other third party.]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>144</itunes:duration>
                <itunes:episode>219</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
        <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog12032415/no_season_podcast_photo_8iep49.jpg" />    </item>
    <item>
        <title>Season 5 - E2 - Why can’t I feel anything when I consume Cannabis?</title>
        <itunes:title>Season 5 - E2 - Why can’t I feel anything when I consume Cannabis?</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/season-5-e2-why-can-t-i-feel-anything-when-i-consume-cannabis/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/season-5-e2-why-can-t-i-feel-anything-when-i-consume-cannabis/#comments</comments>        <pubDate>Sun, 09 Jul 2023 07:12:29 -0400</pubDate>
        <guid isPermaLink="false">karenadamsbaum.podbean.com/885bf939-8a65-3018-8b6e-6267f3649f31</guid>
                                    <description><![CDATA[<p>Cannabis is Medicine - everyone's body is different - take a listen as I explain. </p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Cannabis is Medicine - everyone's body is different - take a listen as I explain. </p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/fu66gr/why-dont-i-feel-anything-fKF9i.m4a" length="5159358" type="audio/x-m4a"/>
        <itunes:summary><![CDATA[Cannabis is Medicine - everyone's body is different - take a listen as I explain. ]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>196</itunes:duration>
                <itunes:episode>218</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>Season 5 - Ep 1 - Cannabis Insurance Coverage Specialist</title>
        <itunes:title>Season 5 - Ep 1 - Cannabis Insurance Coverage Specialist</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/season-5-ep-1-cannabis-insurance-coverage-specialist/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/season-5-ep-1-cannabis-insurance-coverage-specialist/#comments</comments>        <pubDate>Wed, 31 May 2023 19:12:17 -0400</pubDate>
        <guid isPermaLink="false">karenadamsbaum.podbean.com/796c3d20-327c-3809-a7d4-9165125b074a</guid>
                                    <description><![CDATA[<p>time to take it to the next level....</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>time to take it to the next level....</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/ijp2h5/s5e1-YPLHD.m4a" length="6916494" type="audio/x-m4a"/>
        <itunes:summary><![CDATA[time to take it to the next level....]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>270</itunes:duration>
                <itunes:episode>217</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
        <itunes:image href="https://mcdn.podbean.com/mf/web/vchtzw/no_season_podcast_photo_8iep49.jpg" />    </item>
    <item>
        <title>Season 4 - Episode 10 - Cyber Awareness for Business Owners</title>
        <itunes:title>Season 4 - Episode 10 - Cyber Awareness for Business Owners</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/season-4-episode-10-cyber-awareness-for-business-owners/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/season-4-episode-10-cyber-awareness-for-business-owners/#comments</comments>        <pubDate>Sat, 22 Apr 2023 11:06:05 -0400</pubDate>
        <guid isPermaLink="false">karenadamsbaum.podbean.com/07a9d0ba-f6b1-395a-be61-fde07fedf18e</guid>
                                    <description><![CDATA[<p>Business owners are not taking cyber awareness seriously enough.</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Business owners are not taking cyber awareness seriously enough.</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/p542at/cyber-for-business-owners-zqQoU.m4a" length="4812467" type="audio/x-m4a"/>
        <itunes:summary><![CDATA[Business owners are not taking cyber awareness seriously enough.]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>184</itunes:duration>
                <itunes:episode>216</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>Season 4 - Episode 10 - Learning a different way</title>
        <itunes:title>Season 4 - Episode 10 - Learning a different way</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/season-4-episode-10-learning-a-different-way/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/season-4-episode-10-learning-a-different-way/#comments</comments>        <pubDate>Mon, 20 Mar 2023 15:07:10 -0400</pubDate>
        <guid isPermaLink="false">karenadamsbaum.podbean.com/7d1b4b72-acf7-3537-bc57-dbd93eff1148</guid>
                                    <description><![CDATA[<p>Most think learning is about reading and absorbing new information -- you can learn other ways as well - listen to my recent experience. </p>
<p> </p>
<p> </p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Most think learning is about reading and absorbing new information -- you can learn other ways as well - listen to my recent experience. </p>
<p> </p>
<p> </p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/nmu2cs/learning-a-diff-way-0B7Cu.m4a" length="4695487" type="audio/x-m4a"/>
        <itunes:summary><![CDATA[Most think learning is about reading and absorbing new information -- you can learn other ways as well - listen to my recent experience. 
 
 ]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>179</itunes:duration>
                <itunes:episode>215</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>Season 4 - Episode 9 -If you have possession of your clients goods - you need this coverage.</title>
        <itunes:title>Season 4 - Episode 9 -If you have possession of your clients goods - you need this coverage.</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/season-4-episode-9-if-you-have-possession-of-your-clients-goods-you-need-this-coverage/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/season-4-episode-9-if-you-have-possession-of-your-clients-goods-you-need-this-coverage/#comments</comments>        <pubDate>Mon, 20 Feb 2023 13:58:31 -0500</pubDate>
        <guid isPermaLink="false">karenadamsbaum.podbean.com/eb6e5314-2137-34ea-adc5-34c3c6f491b2</guid>
                                    <description><![CDATA[]]></description>
                                                            <content:encoded><![CDATA[]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/g4gkw7/ccc-JCMg4.m4a" length="3453715" type="audio/x-m4a"/>
        <itunes:summary><![CDATA[]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>127</itunes:duration>
                <itunes:episode>214</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>Season 4 - Episode 8 - Just do your job</title>
        <itunes:title>Season 4 - Episode 8 - Just do your job</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/season-4-episode-8-just-do-your-job/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/season-4-episode-8-just-do-your-job/#comments</comments>        <pubDate>Tue, 10 Jan 2023 08:08:07 -0500</pubDate>
        <guid isPermaLink="false">karenadamsbaum.podbean.com/ef807ae4-4cb3-3e21-86ad-436c43596f70</guid>
                                    <description><![CDATA[<p>This episode I speak about a recent experience I had with another agent...  it is mind boggling as to how many out there that just do not do their job..and then you wonder why the insurance industry has a bad rap. </p>
]]></description>
                                                            <content:encoded><![CDATA[<p>This episode I speak about a recent experience I had with another agent...  it is mind boggling as to how many out there that just do not do their job..and then you wonder why the insurance industry has a bad rap. </p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/znq5ck/do-your-job-iUnpB.m4a" length="5535523" type="audio/x-m4a"/>
        <itunes:summary><![CDATA[This episode I speak about a recent experience I had with another agent...  it is mind boggling as to how many out there that just do not do their job..and then you wonder why the insurance industry has a bad rap. ]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>201</itunes:duration>
                <itunes:episode>213</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>Season 4  - Episode 7 - Never too Late to Learn</title>
        <itunes:title>Season 4  - Episode 7 - Never too Late to Learn</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/season-4-episode-7-never-too-late-to-learn/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/season-4-episode-7-never-too-late-to-learn/#comments</comments>        <pubDate>Tue, 10 Jan 2023 08:05:53 -0500</pubDate>
        <guid isPermaLink="false">karenadamsbaum.podbean.com/c568e388-26a8-3092-85b7-7c3cb4e4be0b</guid>
                                    <description><![CDATA[<p>We always say - I wish I had learned that..  well it is not too late - listen to my journey.  </p>
]]></description>
                                                            <content:encoded><![CDATA[<p>We always say - I wish I had learned that..  well it is not too late - listen to my journey.  </p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/jejnej/never-to-late-ZVSSL.m4a" length="5104098" type="audio/x-m4a"/>
        <itunes:summary><![CDATA[We always say - I wish I had learned that..  well it is not too late - listen to my journey.  ]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>196</itunes:duration>
                <itunes:episode>212</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>Season 4 - Episode 6 - How Insurance is impacted by events in Ukraine</title>
        <itunes:title>Season 4 - Episode 6 - How Insurance is impacted by events in Ukraine</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/season-4-episode-6-how-insurance-is-impacted-by-events-in-ukraine/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/season-4-episode-6-how-insurance-is-impacted-by-events-in-ukraine/#comments</comments>        <pubDate>Sat, 05 Nov 2022 10:54:59 -0400</pubDate>
        <guid isPermaLink="false">karenadamsbaum.podbean.com/7cf21725-7c0b-3c34-92a1-141979586992</guid>
                                    <description><![CDATA[<p>Just as 9/11 impacting the insurance market - so are the events of Ukraine.  </p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Just as 9/11 impacting the insurance market - so are the events of Ukraine.  </p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/k2neq5/all-ukraine-YXFoo.m4a" length="3579422" type="audio/x-m4a"/>
        <itunes:summary><![CDATA[Just as 9/11 impacting the insurance market - so are the events of Ukraine.  ]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>132</itunes:duration>
                <itunes:episode>211</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>Season 4 - Episode 5 - I challenge you - what is your filler word?</title>
        <itunes:title>Season 4 - Episode 5 - I challenge you - what is your filler word?</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/season-4-episode-5-i-challenge-you-what-is-your-filler-word/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/season-4-episode-5-i-challenge-you-what-is-your-filler-word/#comments</comments>        <pubDate>Mon, 03 Oct 2022 06:21:33 -0400</pubDate>
        <guid isPermaLink="false">karenadamsbaum.podbean.com/9f6d044a-1c5b-34e9-804d-261abbb5142f</guid>
                                    <description><![CDATA[<p>Everyone has a filler word - such as Like, Um, Ahh - I challenge you to work on removing it from your everyday speaking. </p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Everyone has a filler word - such as Like, Um, Ahh - I challenge you to work on removing it from your everyday speaking. </p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/jef7bu/filler-word-ZOw1w.m4a" length="5572979" type="audio/x-m4a"/>
        <itunes:summary><![CDATA[Everyone has a filler word - such as Like, Um, Ahh - I challenge you to work on removing it from your everyday speaking. ]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>215</itunes:duration>
                <itunes:episode>210</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>Season 4 -Episode 4 - Explanation of Why Insurance Premiums Are Increasing.</title>
        <itunes:title>Season 4 -Episode 4 - Explanation of Why Insurance Premiums Are Increasing.</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/season-4-episode-4-explanation-of-why-insurance-premiums-are-increasing/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/season-4-episode-4-explanation-of-why-insurance-premiums-are-increasing/#comments</comments>        <pubDate>Thu, 01 Sep 2022 20:43:29 -0400</pubDate>
        <guid isPermaLink="false">karenadamsbaum.podbean.com/92a280d0-1c19-3a28-999b-a6c5829f0a34</guid>
                                    <description><![CDATA[<p>Just a simple explanation of why insurance premiums are increasing for real property.</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Just a simple explanation of why insurance premiums are increasing for real property.</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/tsphus/inflation-ttOOh.m4a" length="7528698" type="audio/x-m4a"/>
        <itunes:summary><![CDATA[Just a simple explanation of why insurance premiums are increasing for real property.]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>240</itunes:duration>
                <itunes:episode>209</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>Season 4 - Episode 3 -What is your productivity Sweet Spot?</title>
        <itunes:title>Season 4 - Episode 3 -What is your productivity Sweet Spot?</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/season-4-episode-3-what-is-your-productivity-sweet-spot/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/season-4-episode-3-what-is-your-productivity-sweet-spot/#comments</comments>        <pubDate>Mon, 01 Aug 2022 09:28:14 -0400</pubDate>
        <guid isPermaLink="false">karenadamsbaum.podbean.com/e7a74732-25ef-31df-afb0-65daf572ef73</guid>
                                    <description><![CDATA[<p>Everyone has a time of day that is most productive.   What is yours?   Listen to hear how I have managed mine.</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Everyone has a time of day that is most productive.   What is yours?   Listen to hear how I have managed mine.</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/rg7eyy/sweet-spot-fCfg9.m4a" length="6561738" type="audio/x-m4a"/>
        <itunes:summary><![CDATA[Everyone has a time of day that is most productive.   What is yours?   Listen to hear how I have managed mine.]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>210</itunes:duration>
                <itunes:episode>208</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>Season 4 - Episode 2 - Auto Insurance and Auto Value - they are related</title>
        <itunes:title>Season 4 - Episode 2 - Auto Insurance and Auto Value - they are related</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/season-4-episode-2-auto-insurance-and-auto-value-they-are-related/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/season-4-episode-2-auto-insurance-and-auto-value-they-are-related/#comments</comments>        <pubDate>Thu, 30 Jun 2022 16:27:18 -0400</pubDate>
        <guid isPermaLink="false">karenadamsbaum.podbean.com/d4a9c050-bac3-3034-9d00-e8ecbaf1581a</guid>
                                    <description><![CDATA[<p>This episode I speak about the importance of understanding the value of your vehicle versus how you have it insured on your auto policy.   Mind Blowing! </p>
]]></description>
                                                            <content:encoded><![CDATA[<p>This episode I speak about the importance of understanding the value of your vehicle versus how you have it insured on your auto policy.   Mind Blowing! </p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/7vn9va/auto-prices-OHdZ8.m4a" length="8484071" type="audio/x-m4a"/>
        <itunes:summary><![CDATA[This episode I speak about the importance of understanding the value of your vehicle versus how you have it insured on your auto policy.   Mind Blowing! ]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>299</itunes:duration>
                <itunes:episode>207</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>Season 4 - Ep 1 - The secret ingredient to success !</title>
        <itunes:title>Season 4 - Ep 1 - The secret ingredient to success !</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/season-4-ep-1-the-secret-ingredient-to-success/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/season-4-ep-1-the-secret-ingredient-to-success/#comments</comments>        <pubDate>Sun, 29 May 2022 10:43:36 -0400</pubDate>
        <guid isPermaLink="false">karenadamsbaum.podbean.com/19f3cdde-873c-3389-98dd-25ac6ae56e2b</guid>
                                    <description><![CDATA[<p>Discussions about what I feel is the #1 ingredient for success.    </p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Discussions about what I feel is the #1 ingredient for success.    </p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/x6stpp/s4-e1-j3pFI.m4a" length="7389382" type="audio/x-m4a"/>
        <itunes:summary><![CDATA[Discussions about what I feel is the #1 ingredient for success.    ]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>236</itunes:duration>
                <itunes:episode>206</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>Season 3 - Episode 24 - I want a quote NOW.- How it really works</title>
        <itunes:title>Season 3 - Episode 24 - I want a quote NOW.- How it really works</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/season-3-episode-24-i-want-a-quote-now-how-it-really-works/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/season-3-episode-24-i-want-a-quote-now-how-it-really-works/#comments</comments>        <pubDate>Wed, 23 Mar 2022 13:45:21 -0400</pubDate>
        <guid isPermaLink="false">karenadamsbaum.podbean.com/b015c5e8-bf24-3bbc-b2f2-bb48a56d1050</guid>
                                    <description><![CDATA[<p>This episode I explain how it really works when you need a quote NOW. </p>
<p> </p>
<p> </p>
]]></description>
                                                            <content:encoded><![CDATA[<p>This episode I explain how it really works when you need a quote NOW. </p>
<p> </p>
<p> </p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/s2gyqq/quote-now-zHTai.m4a" length="9085386" type="audio/x-m4a"/>
        <itunes:summary><![CDATA[This episode I explain how it really works when you need a quote NOW. 
 
 ]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>291</itunes:duration>
                <itunes:episode>205</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>Season 3 - Episode 23 - My Favorite Client - Who is it?</title>
        <itunes:title>Season 3 - Episode 23 - My Favorite Client - Who is it?</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/season-3-episode-23-my-favorite-client-who-is-it/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/season-3-episode-23-my-favorite-client-who-is-it/#comments</comments>        <pubDate>Wed, 23 Feb 2022 06:18:00 -0500</pubDate>
        <guid isPermaLink="false">karenadamsbaum.podbean.com/ca8630fb-d9d0-3277-a598-641048e9c272</guid>
                                    <description><![CDATA[<p>This episode I speak about my favorite client - why are they my favorite...   take a listen...</p>
<p> </p>
]]></description>
                                                            <content:encoded><![CDATA[<p>This episode I speak about my favorite client - why are they my favorite...   take a listen...</p>
<p> </p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/9imxu9/my-fav-client-1MkFJ.m4a" length="7102731" type="audio/x-m4a"/>
        <itunes:summary><![CDATA[This episode I speak about my favorite client - why are they my favorite...   take a listen...
 ]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>278</itunes:duration>
                <itunes:episode>204</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>Season 3 - Episode 22 - I am back!  I took a few weeks off, find out why.</title>
        <itunes:title>Season 3 - Episode 22 - I am back!  I took a few weeks off, find out why.</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/season-3-episode-22-i-am-back-i-took-a-few-weeks-off-find-out-why/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/season-3-episode-22-i-am-back-i-took-a-few-weeks-off-find-out-why/#comments</comments>        <pubDate>Sun, 02 Jan 2022 13:36:21 -0500</pubDate>
        <guid isPermaLink="false">karenadamsbaum.podbean.com/5baa6413-2ddf-3fbe-98c8-9e0b5a9eab43</guid>
                                    <description><![CDATA[<p>Did you ever feel that your work product was not the best?  You feel unproductive?   That is what happened to me, take a listen on what happened and how I handled it. </p>
<p> </p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Did you ever feel that your work product was not the best?  You feel unproductive?   That is what happened to me, take a listen on what happened and how I handled it. </p>
<p> </p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/fzwky9/i-am-back-Wo2zM.m4a" length="7334489" type="audio/x-m4a"/>
        <itunes:summary><![CDATA[Did you ever feel that your work product was not the best?  You feel unproductive?   That is what happened to me, take a listen on what happened and how I handled it. 
 ]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>233</itunes:duration>
                <itunes:episode>203</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>Season 3 - Episode 21 - No Matter what - we are all in the same boat</title>
        <itunes:title>Season 3 - Episode 21 - No Matter what - we are all in the same boat</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/season-3-episode-21-no-matter-what-we-are-all-in-the-same-boat/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/season-3-episode-21-no-matter-what-we-are-all-in-the-same-boat/#comments</comments>        <pubDate>Sun, 05 Dec 2021 13:17:39 -0500</pubDate>
        <guid isPermaLink="false">karenadamsbaum.podbean.com/77793d57-ae63-3a8f-9303-122b64061fd0</guid>
                                    <description><![CDATA[<p>Stressful time, year end, everyone is rushing trying to get the same thing done as you, close those deals, finish the projects etc..   slow down, take a breathe, it will all get done. </p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Stressful time, year end, everyone is rushing trying to get the same thing done as you, close those deals, finish the projects etc..   slow down, take a breathe, it will all get done. </p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/6nfu8y/same-boat-p3Rsr.m4a" length="4065697" type="audio/x-m4a"/>
        <itunes:summary><![CDATA[Stressful time, year end, everyone is rushing trying to get the same thing done as you, close those deals, finish the projects etc..   slow down, take a breathe, it will all get done. ]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>152</itunes:duration>
                <itunes:episode>202</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>Season 3 - Episode 20 - The passion you have for your work does show.</title>
        <itunes:title>Season 3 - Episode 20 - The passion you have for your work does show.</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/season-3-episode-20-the-passion-you-have-for-your-work-does-show/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/season-3-episode-20-the-passion-you-have-for-your-work-does-show/#comments</comments>        <pubDate>Wed, 01 Dec 2021 10:41:59 -0500</pubDate>
        <guid isPermaLink="false">karenadamsbaum.podbean.com/6187f1b4-26e0-3313-bb27-edd4505f7079</guid>
                                    <description><![CDATA[<p>You can tell when someone is passionate about what they do as it shows in all that they do. </p>
]]></description>
                                                            <content:encoded><![CDATA[<p>You can tell when someone is passionate about what they do as it shows in all that they do. </p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/64iahm/passion-Besu2.m4a" length="9337851" type="audio/x-m4a"/>
        <itunes:summary><![CDATA[You can tell when someone is passionate about what they do as it shows in all that they do. ]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>298</itunes:duration>
                <itunes:episode>201</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>Season 3 - Episode 19 - Do not leave your assets hanging.....</title>
        <itunes:title>Season 3 - Episode 19 - Do not leave your assets hanging.....</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/season-3-episode-19-do-not-leave-your-assets-hanging/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/season-3-episode-19-do-not-leave-your-assets-hanging/#comments</comments>        <pubDate>Mon, 15 Nov 2021 18:39:44 -0500</pubDate>
        <guid isPermaLink="false">karenadamsbaum.podbean.com/ab2b1240-3ce3-3647-b93d-84a11e8bd70f</guid>
                                    <description><![CDATA[<p>In this episode I speak about the importance of letting your insurance agent know when you have changed the location of your assets. </p>
]]></description>
                                                            <content:encoded><![CDATA[<p>In this episode I speak about the importance of letting your insurance agent know when you have changed the location of your assets. </p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/2gwmkc/assets-5fkHt_161lyh.m4a" length="4924908" type="audio/x-m4a"/>
        <itunes:summary><![CDATA[In this episode I speak about the importance of letting your insurance agent know when you have changed the location of your assets. ]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>156</itunes:duration>
                <itunes:episode>200</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>Season 3 - Episode 18 - You may have more coverage than you think</title>
        <itunes:title>Season 3 - Episode 18 - You may have more coverage than you think</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/season-3-episode-18-you-may-have-more-coverage-than-you-think/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/season-3-episode-18-you-may-have-more-coverage-than-you-think/#comments</comments>        <pubDate>Wed, 03 Nov 2021 13:14:28 -0400</pubDate>
        <guid isPermaLink="false">karenadamsbaum.podbean.com/280bcdf9-a33f-3155-ae63-5f13b9ab0283</guid>
                                    <description><![CDATA[<p>Most policies have additional coverages that you did not think existed.  Best to speak to your broker / agent to review all details of the policy. </p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Most policies have additional coverages that you did not think existed.  Best to speak to your broker / agent to review all details of the policy. </p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/5knkg5/You_have_more_coverage82i79.m4a" length="1129181" type="audio/x-m4a"/>
        <itunes:summary><![CDATA[Most policies have additional coverages that you did not think existed.  Best to speak to your broker / agent to review all details of the policy. ]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>136</itunes:duration>
                <itunes:episode>199</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>Season 3 - Episode 17 - Navigating the GIANT tradeshow in Vegas</title>
        <itunes:title>Season 3 - Episode 17 - Navigating the GIANT tradeshow in Vegas</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/season-3-episode-17-navigating-the-giant-tradeshow-in-vegas/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/season-3-episode-17-navigating-the-giant-tradeshow-in-vegas/#comments</comments>        <pubDate>Tue, 26 Oct 2021 12:35:46 -0400</pubDate>
        <guid isPermaLink="false">karenadamsbaum.podbean.com/c6bfa337-9040-3f49-b583-2d026f3464bd</guid>
                                    <description><![CDATA[<p>This tradeshow was so large - when I first walked in, I said to myself - how am I going to get through this?   </p>
<p> </p>
<p>Well after 3 full days - I did it..   here my story and my successes.</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>This tradeshow was so large - when I first walked in, I said to myself - how am I going to get through this?   </p>
<p> </p>
<p>Well after 3 full days - I did it..   here my story and my successes.</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/rj5gff/final-navigating-the-floor-at-mjbizcon-54l8Y.m4a" length="11977998" type="audio/x-m4a"/>
        <itunes:summary><![CDATA[This tradeshow was so large - when I first walked in, I said to myself - how am I going to get through this?   
 
Well after 3 full days - I did it..   here my story and my successes.]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>383</itunes:duration>
                <itunes:episode>198</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>Season 3 - Episode 16 - Trade Show Preparation - Making Your Experience Most Productive.</title>
        <itunes:title>Season 3 - Episode 16 - Trade Show Preparation - Making Your Experience Most Productive.</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/season-3-episode-16-trade-show-preparation-making-your-experience-most-productive/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/season-3-episode-16-trade-show-preparation-making-your-experience-most-productive/#comments</comments>        <pubDate>Tue, 19 Oct 2021 04:26:07 -0400</pubDate>
        <guid isPermaLink="false">karenadamsbaum.podbean.com/f306bc43-87a0-3367-8830-e42393ee46fd</guid>
                                    <description><![CDATA[<p>This episode I speak about how I prepare for trade show, making the time most valuable. </p>
]]></description>
                                                            <content:encoded><![CDATA[<p>This episode I speak about how I prepare for trade show, making the time most valuable. </p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/rdbmmn/trade-show-prep-GeNHu.m4a" length="6929999" type="audio/x-m4a"/>
        <itunes:summary><![CDATA[This episode I speak about how I prepare for trade show, making the time most valuable. ]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>251</itunes:duration>
                <itunes:episode>197</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>Season 2 - Episode 15 - The Myth about Flood Insurance</title>
        <itunes:title>Season 2 - Episode 15 - The Myth about Flood Insurance</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/season-2-episode-15-the-myth-about-flood-insurance/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/season-2-episode-15-the-myth-about-flood-insurance/#comments</comments>        <pubDate>Wed, 29 Sep 2021 06:06:42 -0400</pubDate>
        <guid isPermaLink="false">karenadamsbaum.podbean.com/9efb57e0-0d95-3803-bd85-9e50b0a569c4</guid>
                                    <description><![CDATA[<p>The Myth about Flood Insurance is discussed in this episode.    The Flood Zone has nothing to do with whether or not you need flood insurance. </p>
]]></description>
                                                            <content:encoded><![CDATA[<p>The Myth about Flood Insurance is discussed in this episode.    The Flood Zone has nothing to do with whether or not you need flood insurance. </p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/8nwcdv/flood-ins-myth-eu0Ld.m4a" length="4673902" type="audio/x-m4a"/>
        <itunes:summary><![CDATA[The Myth about Flood Insurance is discussed in this episode.    The Flood Zone has nothing to do with whether or not you need flood insurance. ]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>169</itunes:duration>
                <itunes:episode>196</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>Season 3 - Episode 14 - Premium Relief explained - another way of getting insurance costs reduced</title>
        <itunes:title>Season 3 - Episode 14 - Premium Relief explained - another way of getting insurance costs reduced</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/season-3-episode-14-premium-relief-explained-another-way-of-getting-insurance-costs-reduced/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/season-3-episode-14-premium-relief-explained-another-way-of-getting-insurance-costs-reduced/#comments</comments>        <pubDate>Tue, 21 Sep 2021 19:38:42 -0400</pubDate>
        <guid isPermaLink="false">karenadamsbaum.podbean.com/fe828718-3506-3f71-83e6-07b1cd163d38</guid>
                                    <description><![CDATA[<p>In this episode I explain how you can reduce insurance costs aside from moving your insurance to another carrier. </p>
]]></description>
                                                            <content:encoded><![CDATA[<p>In this episode I explain how you can reduce insurance costs aside from moving your insurance to another carrier. </p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/rwxk3f/premium-relief-5l5U3.m4a" length="7008139" type="audio/x-m4a"/>
        <itunes:summary><![CDATA[In this episode I explain how you can reduce insurance costs aside from moving your insurance to another carrier. ]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>223</itunes:duration>
                <itunes:episode>195</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>Season 3 -Episode 13 -  Results will follow - Your efforts will pay off.</title>
        <itunes:title>Season 3 -Episode 13 -  Results will follow - Your efforts will pay off.</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/season-3-episode-13-results-will-follow-your-efforts-will-pay-off/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/season-3-episode-13-results-will-follow-your-efforts-will-pay-off/#comments</comments>        <pubDate>Wed, 15 Sep 2021 19:29:41 -0400</pubDate>
        <guid isPermaLink="false">karenadamsbaum.podbean.com/e89120de-2b91-30ac-b0e6-a3ad01513703</guid>
                                    <description><![CDATA[<p>For the past 5 years I have working on positioning myself in the Cannabis Industry.. slowly it has been more and more to the latest... speaking at the Jacob Javitz center at a Cannabis Convention.  This is huge for me.   Just goes to prove, put you mind to anything you do and results will follow. </p>
]]></description>
                                                            <content:encoded><![CDATA[<p>For the past 5 years I have working on positioning myself in the Cannabis Industry.. slowly it has been more and more to the latest... speaking at the Jacob Javitz center at a Cannabis Convention.  This is huge for me.   Just goes to prove, put you mind to anything you do and results will follow. </p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/vcsx4e/holy-moly-javitz-WEUVh.m4a" length="7518692" type="audio/x-m4a"/>
        <itunes:summary><![CDATA[For the past 5 years I have working on positioning myself in the Cannabis Industry.. slowly it has been more and more to the latest... speaking at the Jacob Javitz center at a Cannabis Convention.  This is huge for me.   Just goes to prove, put you mind to anything you do and results will follow. ]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>240</itunes:duration>
                <itunes:episode>194</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>Season 3 - Episode 12 - Appreciate and Brainstorm - so simple.</title>
        <itunes:title>Season 3 - Episode 12 - Appreciate and Brainstorm - so simple.</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/season-3-episode-12-appreciate-and-brainstorm-so-simple/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/season-3-episode-12-appreciate-and-brainstorm-so-simple/#comments</comments>        <pubDate>Mon, 30 Aug 2021 14:18:00 -0400</pubDate>
        <guid isPermaLink="false">karenadamsbaum.podbean.com/837c61ed-4a33-3281-950d-34809f5c3a39</guid>
                                    <description><![CDATA[<p>Life goes by real quick...   we all get caught up in the hustle of our careers.   Take a listen to this podcast - see how I appreciate and brainstorm.    So simple. </p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Life goes by real quick...   we all get caught up in the hustle of our careers.   Take a listen to this podcast - see how I appreciate and brainstorm.    So simple. </p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/crgw4g/appreciate-and-brainstorm-2h26M.m4a" length="6221864" type="audio/x-m4a"/>
        <itunes:summary><![CDATA[Life goes by real quick...   we all get caught up in the hustle of our careers.   Take a listen to this podcast - see how I appreciate and brainstorm.    So simple. ]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>198</itunes:duration>
                <itunes:episode>193</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>Season 3 - Episode 11 - Social Media while on Vacation - do you do it?</title>
        <itunes:title>Season 3 - Episode 11 - Social Media while on Vacation - do you do it?</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/season-3-episode-11-social-media-while-on-vacation-do-you-do-it/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/season-3-episode-11-social-media-while-on-vacation-do-you-do-it/#comments</comments>        <pubDate>Tue, 17 Aug 2021 12:07:27 -0400</pubDate>
        <guid isPermaLink="false">karenadamsbaum.podbean.com/55e6942e-4868-3e9f-9ef1-b4219548f6a2</guid>
                                    <description><![CDATA[<p>This episode I speak about how I handle my social media while I am on vacation.  Best of both worlds - still staying visible while enjoying vacation.</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>This episode I speak about how I handle my social media while I am on vacation.  Best of both worlds - still staying visible while enjoying vacation.</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/hiqva5/prepare-for-vaca-Zqc3o.m4a" length="6173752" type="audio/x-m4a"/>
        <itunes:summary><![CDATA[This episode I speak about how I handle my social media while I am on vacation.  Best of both worlds - still staying visible while enjoying vacation.]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>197</itunes:duration>
                <itunes:episode>192</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>Season 3 - Episode 10 -  Underwriters do Stalk - BEWARE</title>
        <itunes:title>Season 3 - Episode 10 -  Underwriters do Stalk - BEWARE</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/season-3-episode-10-underwriters-do-stalk-beware/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/season-3-episode-10-underwriters-do-stalk-beware/#comments</comments>        <pubDate>Wed, 11 Aug 2021 05:52:33 -0400</pubDate>
        <guid isPermaLink="false">karenadamsbaum.podbean.com/aae8650c-cd6b-375e-8eb3-d7bc90c3b80d</guid>
                                    <description><![CDATA[<p>This episode speaks about how underwriters stalk potential clients before making a decision as to offering them coverage or not. </p>
]]></description>
                                                            <content:encoded><![CDATA[<p>This episode speaks about how underwriters stalk potential clients before making a decision as to offering them coverage or not. </p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/qxps4p/underwriters-do-stalk-QrEhC.m4a" length="6305118" type="audio/x-m4a"/>
        <itunes:summary><![CDATA[This episode speaks about how underwriters stalk potential clients before making a decision as to offering them coverage or not. ]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>200</itunes:duration>
                <itunes:episode>191</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>Season 3 - Episode 9 - What is Causation and why its important</title>
        <itunes:title>Season 3 - Episode 9 - What is Causation and why its important</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/season-3-episode-9-what-is-causation-and-why-its-important/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/season-3-episode-9-what-is-causation-and-why-its-important/#comments</comments>        <pubDate>Wed, 04 Aug 2021 06:36:57 -0400</pubDate>
        <guid isPermaLink="false">karenadamsbaum.podbean.com/cca35c9a-7e43-3c52-b3f9-b1fcd18b3984</guid>
                                    <description><![CDATA[<p>The term Causation is so important when it comes to determining if the insurance company will pay out on a claim or not.   This episode explains what Causation is and how underwriters view it.</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>The term Causation is so important when it comes to determining if the insurance company will pay out on a claim or not.   This episode explains what Causation is and how underwriters view it.</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/vesz3m/causation-sOSIR.m4a" length="5349435" type="audio/x-m4a"/>
        <itunes:summary><![CDATA[The term Causation is so important when it comes to determining if the insurance company will pay out on a claim or not.   This episode explains what Causation is and how underwriters view it.]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>169</itunes:duration>
                <itunes:episode>190</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>Season 3 - Episode 8 - Do Something Different</title>
        <itunes:title>Season 3 - Episode 8 - Do Something Different</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/season-3-episode-8-do-something-different/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/season-3-episode-8-do-something-different/#comments</comments>        <pubDate>Wed, 28 Jul 2021 17:59:30 -0400</pubDate>
        <guid isPermaLink="false">karenadamsbaum.podbean.com/71bb1f69-af5f-325d-b8d7-55ecbbb6cd4f</guid>
                                    <description><![CDATA[<p>Why do the same thing all of the time - that is boring.  Change it up - whether personal or business - change can be fun!</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Why do the same thing all of the time - that is boring.  Change it up - whether personal or business - change can be fun!</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/h55ba3/do-something-different-Bmn7M.m4a" length="4306473" type="audio/x-m4a"/>
        <itunes:summary><![CDATA[Why do the same thing all of the time - that is boring.  Change it up - whether personal or business - change can be fun!]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>137</itunes:duration>
                <itunes:episode>189</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>Season 3 - Episode 7 -Unique Situation - When there is will, there is a way.</title>
        <itunes:title>Season 3 - Episode 7 -Unique Situation - When there is will, there is a way.</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/season-3-episode-7-unique-situation-when-there-is-will-there-is-a-way/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/season-3-episode-7-unique-situation-when-there-is-will-there-is-a-way/#comments</comments>        <pubDate>Tue, 20 Jul 2021 19:34:26 -0400</pubDate>
        <guid isPermaLink="false">karenadamsbaum.podbean.com/6a145b5c-c1aa-3fe8-89ca-a5dd2a388d94</guid>
                                    <description><![CDATA[<p>This episode I share a recent experience I had - and how I handled it.   When there is a will, there is a way. </p>
<p> </p>
]]></description>
                                                            <content:encoded><![CDATA[<p>This episode I share a recent experience I had - and how I handled it.   When there is a will, there is a way. </p>
<p> </p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/5skh5a/final-unique-situation-Y0WAS_1avenb.m4a" length="5669588" type="audio/x-m4a"/>
        <itunes:summary><![CDATA[This episode I share a recent experience I had - and how I handled it.   When there is a will, there is a way. 
 ]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>200</itunes:duration>
                <itunes:episode>188</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>Season 3 - Episode 6 - Who needs technology on the beach?</title>
        <itunes:title>Season 3 - Episode 6 - Who needs technology on the beach?</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/season-3-episode-6-who-needs-technology-on-the-beach/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/season-3-episode-6-who-needs-technology-on-the-beach/#comments</comments>        <pubDate>Tue, 13 Jul 2021 07:35:50 -0400</pubDate>
        <guid isPermaLink="false">karenadamsbaum.podbean.com/f05fe426-6499-399a-b2f1-70dd931680b4</guid>
                                    <description><![CDATA[<p>What is vacation - what does it mean to recharge.   Get rid of technology during vacation. </p>
]]></description>
                                                            <content:encoded><![CDATA[<p>What is vacation - what does it mean to recharge.   Get rid of technology during vacation. </p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/bmkh6s/full-recharge-fFC0Z.m4a" length="6167357" type="audio/x-m4a"/>
        <itunes:summary><![CDATA[What is vacation - what does it mean to recharge.   Get rid of technology during vacation. ]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>197</itunes:duration>
                <itunes:episode>187</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>Season 3 - Episode 5 - Auto coverage for Business Owners</title>
        <itunes:title>Season 3 - Episode 5 - Auto coverage for Business Owners</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/season-3-episode-5-auto-coverage-for-business-owners/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/season-3-episode-5-auto-coverage-for-business-owners/#comments</comments>        <pubDate>Wed, 30 Jun 2021 18:34:24 -0400</pubDate>
        <guid isPermaLink="false">karenadamsbaum.podbean.com/9df80956-208a-33ca-9ff4-dbc0243a45a1</guid>
                                    <description><![CDATA[<p>Business owners that have an automobile and use it for business - should have a layer of coverage referred to as DOC - Drive other Car - take a listen and learn. </p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Business owners that have an automobile and use it for business - should have a layer of coverage referred to as DOC - Drive other Car - take a listen and learn. </p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/ynxrr8/doc-RYxDq.m4a" length="4738758" type="audio/x-m4a"/>
        <itunes:summary><![CDATA[Business owners that have an automobile and use it for business - should have a layer of coverage referred to as DOC - Drive other Car - take a listen and learn. ]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>151</itunes:duration>
                <itunes:episode>186</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>Season 3 - Episode 4 - Mini Life Insurance Policy as Part of Personal Automobile Policy</title>
        <itunes:title>Season 3 - Episode 4 - Mini Life Insurance Policy as Part of Personal Automobile Policy</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/season-3-episode-4-mini-life-insurance-policy-as-part-of-personal-automobile-policy/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/season-3-episode-4-mini-life-insurance-policy-as-part-of-personal-automobile-policy/#comments</comments>        <pubDate>Tue, 22 Jun 2021 10:03:34 -0400</pubDate>
        <guid isPermaLink="false">karenadamsbaum.podbean.com/35e57238-6532-3043-8095-a4cc3804d646</guid>
                                    <description><![CDATA[<p>This episode speaks about that you may have option of a mini-life insurance policy as part of your Personal Automobile Policy</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>This episode speaks about that you may have option of a mini-life insurance policy as part of your Personal Automobile Policy</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/i9nasn/final-extra-pip-Ap2Ph.m4a" length="5483613" type="audio/x-m4a"/>
        <itunes:summary><![CDATA[This episode speaks about that you may have option of a mini-life insurance policy as part of your Personal Automobile Policy]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>174</itunes:duration>
                <itunes:episode>185</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>Season 3 - Episode 3 - Everyone's Personal Auto Policy 2 coverages explained</title>
        <itunes:title>Season 3 - Episode 3 - Everyone's Personal Auto Policy 2 coverages explained</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/season-3-episode-3-everyones-personal-auto-policy-2-coverages-explained/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/season-3-episode-3-everyones-personal-auto-policy-2-coverages-explained/#comments</comments>        <pubDate>Sun, 13 Jun 2021 17:58:53 -0400</pubDate>
        <guid isPermaLink="false">karenadamsbaum.podbean.com/e1ada5cd-65b2-3d94-996f-999e314441f7</guid>
                                    <description><![CDATA[<p>2 very important coverages on your personal automobile policy explained - Underinsured Motorist and Uninsured Motorist Coverage. </p>
]]></description>
                                                            <content:encoded><![CDATA[<p>2 very important coverages on your personal automobile policy explained - Underinsured Motorist and Uninsured Motorist Coverage. </p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/xxizia/um--uim-gCWSB.m4a" length="6633160" type="audio/x-m4a"/>
        <itunes:summary><![CDATA[2 very important coverages on your personal automobile policy explained - Underinsured Motorist and Uninsured Motorist Coverage. ]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>210</itunes:duration>
                <itunes:episode>184</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>Season 3 - Episode 2 - Best 45 minutes of my day!  What is yours?</title>
        <itunes:title>Season 3 - Episode 2 - Best 45 minutes of my day!  What is yours?</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/season-3-episode-2-best-45-minutes-of-my-day-what-is-yours/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/season-3-episode-2-best-45-minutes-of-my-day-what-is-yours/#comments</comments>        <pubDate>Wed, 02 Jun 2021 18:37:24 -0400</pubDate>
        <guid isPermaLink="false">karenadamsbaum.podbean.com/617a98f1-2557-3566-9fc9-9f637b320f9c</guid>
                                    <description><![CDATA[<p>Everyone has a most productive time of the day - in this episode I tell you about mine.  What is yours? </p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Everyone has a most productive time of the day - in this episode I tell you about mine.  What is yours? </p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/actxtu/final-s3-e2-6kiue.m4a" length="4980813" type="audio/x-m4a"/>
        <itunes:summary><![CDATA[Everyone has a most productive time of the day - in this episode I tell you about mine.  What is yours? ]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>159</itunes:duration>
                <itunes:episode>183</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>Season 3 - Episode 1 - New Format, New Style - LETS GO!</title>
        <itunes:title>Season 3 - Episode 1 - New Format, New Style - LETS GO!</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/season-3-episode-1-1622672034/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/season-3-episode-1-1622672034/#comments</comments>        <pubDate>Wed, 02 Jun 2021 18:13:54 -0400</pubDate>
        <guid isPermaLink="false">karenadamsbaum.podbean.com/01c989fc-13d6-3564-839e-eadae53aada6</guid>
                                    <description><![CDATA[<p>Lets GO!  Season 3 is here and I am super excited.   I am going to add some personal flair to this season so you can get to know me better. </p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Lets GO!  Season 3 is here and I am super excited.   I am going to add some personal flair to this season so you can get to know me better. </p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/cvs2yb/final-s3-ep-1-CrmvM.m4a" length="4036627" type="audio/x-m4a"/>
        <itunes:summary><![CDATA[Lets GO!  Season 3 is here and I am super excited.   I am going to add some personal flair to this season so you can get to know me better. ]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>127</itunes:duration>
                <itunes:episode>182</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>Season 2 - Episode 34 - That's a wrap for Season 2</title>
        <itunes:title>Season 2 - Episode 34 - That's a wrap for Season 2</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/season-2-episode-34-thats-a-wrap-for-season-2-1622580063/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/season-2-episode-34-thats-a-wrap-for-season-2-1622580063/#comments</comments>        <pubDate>Tue, 01 Jun 2021 16:41:03 -0400</pubDate>
        <guid isPermaLink="false">karenadamsbaum.podbean.com/5a350e1f-6393-3191-bcf2-20161b374305</guid>
                                    <description><![CDATA[]]></description>
                                                            <content:encoded><![CDATA[]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/d8j3ic/https_3A_2F_2Fd3ctxlq1ktw2nl_cloudfront_net_2Fstaging_2F2021-04-27_2F331b7c52ed21fe5bca9f41dffa140848_4wbzs5.mp3" length="4620681" type="audio/mpeg"/>
        <itunes:summary><![CDATA[]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>288</itunes:duration>
                <itunes:episode>181</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>Season 2 - Episode 34 - Thats a wrap for Season 2</title>
        <itunes:title>Season 2 - Episode 34 - Thats a wrap for Season 2</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/season-2-episode-34-thats-a-wrap-for-season-2/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/season-2-episode-34-thats-a-wrap-for-season-2/#comments</comments>        <pubDate>Tue, 27 Apr 2021 17:40:00 -0400</pubDate>
        <guid isPermaLink="false">5a4b0191-99c1-4729-a49b-2ac131f1d890</guid>
                                    <description><![CDATA[Season 2 was recorded all during Pandemic. The show must go on.   Looking forward to Season 3.]]></description>
                                                            <content:encoded><![CDATA[Season 2 was recorded all during Pandemic. The show must go on.   Looking forward to Season 3.]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/d8j3ic/https_3A_2F_2Fd3ctxlq1ktw2nl_cloudfront_net_2Fstaging_2F2021-04-27_2F331b7c52ed21fe5bca9f41dffa140848_4wbzs5.mp3" length="4620681" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Season 2 was recorded all during Pandemic. The show must go on.   Looking forward to Season 3.]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>288</itunes:duration>
                                <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog12032415/e0388e95a5f1e4e9d716cb181a1dd59c.jpg" />    </item>
    <item>
        <title>Season 2 - Episode 33 - I love when my screentime is down.. this is how I did it..</title>
        <itunes:title>Season 2 - Episode 33 - I love when my screentime is down.. this is how I did it..</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/season-2-episode-33-i-love-when-my-screentime-is-down-this-is-how-i-did-it/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/season-2-episode-33-i-love-when-my-screentime-is-down-this-is-how-i-did-it/#comments</comments>        <pubDate>Sat, 17 Apr 2021 17:03:00 -0400</pubDate>
        <guid isPermaLink="false">b5e61343-3550-416f-91ef-044974f03f63</guid>
                                    <description><![CDATA[2 simple tasks to decrease your screentime... the world is not ending.. put down your phone]]></description>
                                                            <content:encoded><![CDATA[2 simple tasks to decrease your screentime... the world is not ending.. put down your phone]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/pwg35f/https_3A_2F_2Fd3ctxlq1ktw2nl_cloudfront_net_2Fstaging_2F2021-04-17_2F4da8920789cab21c6cfc63b9bef461b6_9gpc6h.mp3" length="3156570" type="audio/mpeg"/>
        <itunes:summary><![CDATA[2 simple tasks to decrease your screentime... the world is not ending.. put down your phone]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>197</itunes:duration>
                                <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog12032415/dc312a5bb326005d4a86edf4e2d9a934.jpg" />    </item>
    <item>
        <title>Season 2 - Episode 32 - Journaling is for Business also</title>
        <itunes:title>Season 2 - Episode 32 - Journaling is for Business also</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/season-2-episode-32-journaling-is-for-business-also/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/season-2-episode-32-journaling-is-for-business-also/#comments</comments>        <pubDate>Sun, 11 Apr 2021 11:59:00 -0400</pubDate>
        <guid isPermaLink="false">09b4b421-9ead-4d33-bc70-025dc779b0d7</guid>
                                    <description><![CDATA[Journaling is not just about the morning ritual you hear all the buzz about. Journaling can be for business as well. Hear how I embraced journaling for business]]></description>
                                                            <content:encoded><![CDATA[Journaling is not just about the morning ritual you hear all the buzz about. Journaling can be for business as well. Hear how I embraced journaling for business]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/2nsd4e/https_3A_2F_2Fd3ctxlq1ktw2nl_cloudfront_net_2Fstaging_2F2021-04-11_2Ff1c59cd8384c0d162ca219f7c68b459f_jf9sv5.mp3" length="3787689" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Journaling is not just about the morning ritual you hear all the buzz about. Journaling can be for business as well. Hear how I embraced journaling for business]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>236</itunes:duration>
                                <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog12032415/160c959d1d8602de1eb2d1062a83c82c.jpg" />    </item>
    <item>
        <title>Season 2 - Episode 31 - What are your - Tools?</title>
        <itunes:title>Season 2 - Episode 31 - What are your - Tools?</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/season-2-episode-31-what-are-your-tools/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/season-2-episode-31-what-are-your-tools/#comments</comments>        <pubDate>Sat, 27 Mar 2021 10:04:00 -0400</pubDate>
        <guid isPermaLink="false">72f9a7fd-eec7-4010-b86c-a4331dc1e6e1</guid>
                                    <description><![CDATA[Every profession has tools.. most think of tools as a screwdriver. It is more than that. Take a listen to my thoughts about tools.]]></description>
                                                            <content:encoded><![CDATA[Every profession has tools.. most think of tools as a screwdriver. It is more than that. Take a listen to my thoughts about tools.]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/laych4/https_3A_2F_2Fd3ctxlq1ktw2nl_cloudfront_net_2Fstaging_2F2021-03-27_2F053ac08c5142aa16d401adf4b499116d_kdzuyv.mp3" length="4084440" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Every profession has tools.. most think of tools as a screwdriver. It is more than that. Take a listen to my thoughts about tools.]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>255</itunes:duration>
                                <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog12032415/b5eab013f5d49643274d1f524ccf8b08.jpg" />    </item>
    <item>
        <title>Season 2 - Episode 30 - Providing Options. Both the Seller and Buyer Benefit.</title>
        <itunes:title>Season 2 - Episode 30 - Providing Options. Both the Seller and Buyer Benefit.</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/season-2-episode-30-providing-options-both-the-seller-and-buyer-benefit/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/season-2-episode-30-providing-options-both-the-seller-and-buyer-benefit/#comments</comments>        <pubDate>Sun, 21 Mar 2021 13:29:00 -0400</pubDate>
        <guid isPermaLink="false">a70c014c-b7ad-47bf-934f-a85ee54ddb9b</guid>
                                    <description><![CDATA[When providing Options both the seller and buyer benefit.]]></description>
                                                            <content:encoded><![CDATA[When providing Options both the seller and buyer benefit.]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/f6yzsa/https_3A_2F_2Fd3ctxlq1ktw2nl_cloudfront_net_2Fstaging_2F2021-03-21_2Fc50f322f0c3116b02926e7a341a13cbd_7ywvnn.mp3" length="2582294" type="audio/mpeg"/>
        <itunes:summary><![CDATA[When providing Options both the seller and buyer benefit.]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>161</itunes:duration>
                                <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog12032415/6ce2807ea1952fcf8507ab333322d4d8.jpg" />    </item>
    <item>
        <title>Season 2 - Episode 29 - Advantages of COVID</title>
        <itunes:title>Season 2 - Episode 29 - Advantages of COVID</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/season-2-episode-29-advantages-of-covid/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/season-2-episode-29-advantages-of-covid/#comments</comments>        <pubDate>Wed, 17 Mar 2021 04:37:00 -0400</pubDate>
        <guid isPermaLink="false">c64a9126-50c9-4838-931b-e451932508bb</guid>
                                    <description><![CDATA[In this episode I speak of the advantage that the pandemic has on me from a business/work perspective]]></description>
                                                            <content:encoded><![CDATA[In this episode I speak of the advantage that the pandemic has on me from a business/work perspective]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/ok3r3d/https_3A_2F_2Fd3ctxlq1ktw2nl_cloudfront_net_2Fstaging_2F2021-03-17_2F06aff16005f06cd4dd012e5d5e9d8fd0_rheuqe.mp3" length="5615842" type="audio/mpeg"/>
        <itunes:summary><![CDATA[In this episode I speak of the advantage that the pandemic has on me from a business/work perspective]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>350</itunes:duration>
                                <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog12032415/99bca5e7de059b881b72e89c3de1b064.jpg" />    </item>
    <item>
        <title>Season 2 - Episode 28 - With Visibility comes Success</title>
        <itunes:title>Season 2 - Episode 28 - With Visibility comes Success</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/season-2-episode-28-with-visibility-comes-success/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/season-2-episode-28-with-visibility-comes-success/#comments</comments>        <pubDate>Tue, 09 Mar 2021 19:15:00 -0500</pubDate>
        <guid isPermaLink="false">0f17358b-b10b-4430-ad4b-4e99255bf5c2</guid>
                                    <description><![CDATA[With this episode I speak about my thoughts about how visibility can lead to success]]></description>
                                                            <content:encoded><![CDATA[With this episode I speak about my thoughts about how visibility can lead to success]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/aslo6u/https_3A_2F_2Fd3ctxlq1ktw2nl_cloudfront_net_2Fstaging_2F2021-03-10_2F414baff820bbfab8fc6d31088ae024e2_iiquj3.mp3" length="4214007" type="audio/mpeg"/>
        <itunes:summary><![CDATA[With this episode I speak about my thoughts about how visibility can lead to success]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>263</itunes:duration>
                                <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog12032415/a068a49b5249a803dfc9c3f50f96a2d5.jpg" />    </item>
    <item>
        <title>Season 2 - Episode 27 - One to One with Digital Marketer - Matt Szostak</title>
        <itunes:title>Season 2 - Episode 27 - One to One with Digital Marketer - Matt Szostak</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/season-2-episode-27-one-to-one-with-digital-marketer-matt-szostak/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/season-2-episode-27-one-to-one-with-digital-marketer-matt-szostak/#comments</comments>        <pubDate>Sat, 27 Feb 2021 10:55:00 -0500</pubDate>
        <guid isPermaLink="false">7a24d386-4195-4e02-ab61-b59d39050cc7</guid>
                                    <description><![CDATA[<p>Marketing alone is a challenging career - now add digital to that.  Double the challenge.  Not for Matt, it is his forte'</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Marketing alone is a challenging career - now add digital to that.  Double the challenge.  Not for Matt, it is his forte'</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/zg5cpl/https_3A_2F_2Fd3ctxlq1ktw2nl_cloudfront_net_2Fstaging_2F2021-02-27_2F26a4676564e1d18aa13a5180774d8ea1_5v3bac.mp3" length="15214693" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Marketing alone is a challenging career - now add digital to that.  Double the challenge.  Not for Matt, it is his forte']]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>950</itunes:duration>
                                <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog12032415/d211608a8048585c1e3b1cb71134880b.jpg" />    </item>
    <item>
        <title>Season 2 - Episode 26 - Comfort Zone - Get out of It</title>
        <itunes:title>Season 2 - Episode 26 - Comfort Zone - Get out of It</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/season-2-episode-26-comfort-zone-get-out-of-it/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/season-2-episode-26-comfort-zone-get-out-of-it/#comments</comments>        <pubDate>Tue, 02 Feb 2021 11:33:00 -0500</pubDate>
        <guid isPermaLink="false">999d0336-9251-4ea9-9dca-7ce795490ff3</guid>
                                    <description><![CDATA[<p>This episode speaks of 2 recent incidents that crossed my path - both of which made me realize the term "get of your comfort zone". </p>
<p>
</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>This episode speaks of 2 recent incidents that crossed my path - both of which made me realize the term "get of your comfort zone". </p>
<p><br>
</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/6w61ug/https_3A_2F_2Fd3ctxlq1ktw2nl_cloudfront_net_2Fstaging_2F2021-02-02_2Fcbe747aa986281f49c048f68189cbf88_s5bepj.mp3" length="4430928" type="audio/mpeg"/>
        <itunes:summary><![CDATA[This episode speaks of 2 recent incidents that crossed my path - both of which made me realize the term "get of your comfort zone". 
]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>276</itunes:duration>
                                <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog12032415/454515edae5b3f61dd933698bc134672.jpg" />    </item>
    <item>
        <title>Season 2 - Episode 25 - Stress, my experience and how I eliminated it.</title>
        <itunes:title>Season 2 - Episode 25 - Stress, my experience and how I eliminated it.</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/season-2-episode-25-stress-my-experience-and-how-i-eliminated-it/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/season-2-episode-25-stress-my-experience-and-how-i-eliminated-it/#comments</comments>        <pubDate>Mon, 25 Jan 2021 19:21:00 -0500</pubDate>
        <guid isPermaLink="false">2bacbb49-7dee-40f7-814a-7b378c9acd97</guid>
                                    <description><![CDATA[Stress - we all experience it.  However, is it really stress?  Listen to my experience with stress and how I eliminated it]]></description>
                                                            <content:encoded><![CDATA[Stress - we all experience it.  However, is it really stress?  Listen to my experience with stress and how I eliminated it]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/dfkz16/https_3A_2F_2Fd3ctxlq1ktw2nl_cloudfront_net_2Fstaging_2F2021-02-04_2F73ccba18730efd6adab0f0635a886dca_bb23dm.mp3" length="2744045" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Stress - we all experience it.  However, is it really stress?  Listen to my experience with stress and how I eliminated it]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>171</itunes:duration>
                                <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog12032415/c47dd16fc7e636e5c8c9c21356ea7483.jpg" />    </item>
    <item>
        <title>Season 2 - Episode 24 - What does Accounting and Nike having in common? Hear it within the Interview with Liz Capants.</title>
        <itunes:title>Season 2 - Episode 24 - What does Accounting and Nike having in common? Hear it within the Interview with Liz Capants.</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/season-2-episode-24-what-does-accounting-and-nike-having-in-common-hear-it-within-the-interview-with-liz-capants/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/season-2-episode-24-what-does-accounting-and-nike-having-in-common-hear-it-within-the-interview-with-liz-capants/#comments</comments>        <pubDate>Sun, 10 Jan 2021 10:40:00 -0500</pubDate>
        <guid isPermaLink="false">d31b8e72-3b2f-4014-9119-e47ffca0fd9c</guid>
                                    <description><![CDATA[<p>Interview with Career Coach Liz Capants.  Our discussions include various ways to overcome the roadblocks of job interviewing.  </p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Interview with Career Coach Liz Capants.  Our discussions include various ways to overcome the roadblocks of job interviewing.  </p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/09t4w8/https_3A_2F_2Fd3ctxlq1ktw2nl_cloudfront_net_2Fstaging_2F2021-01-10_2F6549c782a9ba1076648e7c706b608338_n7p6ss.mp3" length="22539010" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Interview with Career Coach Liz Capants.  Our discussions include various ways to overcome the roadblocks of job interviewing.  ]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>1408</itunes:duration>
                                <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog12032415/cd43c089ec9f2e477b713ec94a827c0d.jpg" />    </item>
    <item>
        <title>Season 2 - Episode 23 - Per Adam Connors - founder of NetWorkWise - there is no such thing as "Net-Fun-ing"</title>
        <itunes:title>Season 2 - Episode 23 - Per Adam Connors - founder of NetWorkWise - there is no such thing as "Net-Fun-ing"</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/season-2-episode-23-per-adam-connors-founder-of-networkwise-there-is-no-such-thing-as-net-fun-ing/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/season-2-episode-23-per-adam-connors-founder-of-networkwise-there-is-no-such-thing-as-net-fun-ing/#comments</comments>        <pubDate>Sun, 10 Jan 2021 10:21:00 -0500</pubDate>
        <guid isPermaLink="false">76fd857d-21ef-4353-a1ee-78d7e9782628</guid>
                                    <description><![CDATA[<p>Adam and I met in July of 2020.  Our moons aligned.   Our discussion is about his journey and the importance of networking everyday. </p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Adam and I met in July of 2020.  Our moons aligned.   Our discussion is about his journey and the importance of networking everyday. </p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/kurjcx/https_3A_2F_2Fd3ctxlq1ktw2nl_cloudfront_net_2Fstaging_2F2021-01-13_2F29b571d0043f37725714500e3b8f6e56_x6ufrt.mp3" length="25007058" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Adam and I met in July of 2020.  Our moons aligned.   Our discussion is about his journey and the importance of networking everyday. ]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>1562</itunes:duration>
                                <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog12032415/c6f8e5a841aa59807dc463ada2a31364.jpg" />    </item>
    <item>
        <title>Season 2 - Episode 22 - Do you have a Brand Wedgie? Find out by listening to Interview with Tracy O'Shaughnessy</title>
        <itunes:title>Season 2 - Episode 22 - Do you have a Brand Wedgie? Find out by listening to Interview with Tracy O'Shaughnessy</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/season-2-episode-22-do-you-have-a-brand-wedgie-find-out-by-listening-to-interview-with-tracy-oshaughnessy/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/season-2-episode-22-do-you-have-a-brand-wedgie-find-out-by-listening-to-interview-with-tracy-oshaughnessy/#comments</comments>        <pubDate>Sat, 02 Jan 2021 10:33:00 -0500</pubDate>
        <guid isPermaLink="false">86860271-219c-4566-83f9-71c36ca7d3fc</guid>
                                    <description><![CDATA[<p>Tracy and I had a lot of fun with this interview.  She had a "simple" vision and bought it to life and started company.    I can guarantee we all know someone who has a brand wedgie.  </p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Tracy and I had a lot of fun with this interview.  She had a "simple" vision and bought it to life and started company.    I can guarantee we all know someone who has a brand wedgie.  </p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/nk9u7g/https_3A_2F_2Fd3ctxlq1ktw2nl_cloudfront_net_2Fstaging_2F2021-01-02_2Ffafd517963d509c24e623e051cfa32e5_8zrx4x.mp3" length="17117243" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Tracy and I had a lot of fun with this interview.  She had a "simple" vision and bought it to life and started company.    I can guarantee we all know someone who has a brand wedgie.  ]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>1069</itunes:duration>
                                <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog12032415/75f9009f4d43dc906556ac453c9feaa2.jpg" />    </item>
    <item>
        <title>Season 2 - Episode 21 - No Matter Your Position - BE YOUR OWN CEO - Interview with Yvonne Dam</title>
        <itunes:title>Season 2 - Episode 21 - No Matter Your Position - BE YOUR OWN CEO - Interview with Yvonne Dam</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/season-2-episode-21-no-matter-your-position-be-your-own-ceo-interview-with-yvonne-dam/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/season-2-episode-21-no-matter-your-position-be-your-own-ceo-interview-with-yvonne-dam/#comments</comments>        <pubDate>Mon, 14 Dec 2020 13:41:00 -0500</pubDate>
        <guid isPermaLink="false">a498ffca-13df-4ffb-b36f-d184350944e7</guid>
                                    <description><![CDATA[<p>This episode I sit with Yvonne Dam - Business and Life Couch.     Her work stands out, as I constantly are seeing testimonials.   She listens intensively and helps you become your own CEO. </p>
]]></description>
                                                            <content:encoded><![CDATA[<p>This episode I sit with Yvonne Dam - Business and Life Couch.     Her work stands out, as I constantly are seeing testimonials.   She listens intensively and helps you become your own CEO. </p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/gxxlx6/https_3A_2F_2Fd3ctxlq1ktw2nl_cloudfront_net_2Fstaging_2F2021-01-25_2F1f58247ef6d5bcda5b99b6c5a6bf9027_ad3gaf.mp3" length="17540218" type="audio/mpeg"/>
        <itunes:summary><![CDATA[This episode I sit with Yvonne Dam - Business and Life Couch.     Her work stands out, as I constantly are seeing testimonials.   She listens intensively and helps you become your own CEO. ]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>1096</itunes:duration>
                                <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog12032415/b8a69363bebee1808c9b41435fd1dd55.jpg" />    </item>
    <item>
        <title>Season 2 - Episode 20 - We are Competitors yet, we still help each other - Interview with Justin Goodman</title>
        <itunes:title>Season 2 - Episode 20 - We are Competitors yet, we still help each other - Interview with Justin Goodman</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/season-2-episode-20-we-are-competitors-yet-we-still-help-each-other-interview-with-justin-goodman/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/season-2-episode-20-we-are-competitors-yet-we-still-help-each-other-interview-with-justin-goodman/#comments</comments>        <pubDate>Tue, 08 Dec 2020 13:44:00 -0500</pubDate>
        <guid isPermaLink="false">25fc4fa1-ff24-47c0-9722-c2b3bd6e940f</guid>
                                    <description><![CDATA[<p>Justin and I are in the same industry, we are competitors, yet we help each other.    </p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Justin and I are in the same industry, we are competitors, yet we help each other.    </p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/7roauq/https_3A_2F_2Fd3ctxlq1ktw2nl_cloudfront_net_2Fstaging_2F2020-12-08_2F051e33c70f07a9574a7aefe1a4174de6_kt4ckh.mp3" length="13780257" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Justin and I are in the same industry, we are competitors, yet we help each other.    ]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>861</itunes:duration>
                                <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog12032415/a9ad57c0683b4442c93cb9a3b5cd10f7.jpg" />    </item>
    <item>
        <title>Season 2 - Episode 19 - Would you leave your front door open? Interview with Founder of REP - Tom Kowalski - as we discuss Cybersecurity</title>
        <itunes:title>Season 2 - Episode 19 - Would you leave your front door open? Interview with Founder of REP - Tom Kowalski - as we discuss Cybersecurity</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/season-2-episode-19-would-you-leave-your-front-door-open-interview-with-founder-of-rep-tom-kowalski-as-we-discuss-cybersecurity/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/season-2-episode-19-would-you-leave-your-front-door-open-interview-with-founder-of-rep-tom-kowalski-as-we-discuss-cybersecurity/#comments</comments>        <pubDate>Mon, 30 Nov 2020 09:10:00 -0500</pubDate>
        <guid isPermaLink="false">ec04a41f-e56b-4bae-8809-89bcace5ba4c</guid>
                                    <description><![CDATA[<p>if you do not leave your front door open, why would you keep you cybersecurity door open.   This interview with Founder of REP, Tom Kowalski about Cybersecurity and how the industry has changed. </p>
]]></description>
                                                            <content:encoded><![CDATA[<p>if you do not leave your front door open, why would you keep you cybersecurity door open.   This interview with Founder of REP, Tom Kowalski about Cybersecurity and how the industry has changed. </p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/79oxzg/https_3A_2F_2Fd3ctxlq1ktw2nl_cloudfront_net_2Fstaging_2F2020-11-30_2F29f622f8f3d2fc06f8cf66021f5a339c_68kkj5.mp3" length="26514219" type="audio/mpeg"/>
        <itunes:summary><![CDATA[if you do not leave your front door open, why would you keep you cybersecurity door open.   This interview with Founder of REP, Tom Kowalski about Cybersecurity and how the industry has changed. ]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>1657</itunes:duration>
                                <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog12032415/1a58ef44b052452220f9a131484193a3.jpg" />    </item>
    <item>
        <title>Season 2 - Episode 18 - Interview with Jack Kroll - Cost Optimizer Consultant</title>
        <itunes:title>Season 2 - Episode 18 - Interview with Jack Kroll - Cost Optimizer Consultant</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/season-2-episode-18-interview-with-jack-kroll-cost-optimizer-consultant/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/season-2-episode-18-interview-with-jack-kroll-cost-optimizer-consultant/#comments</comments>        <pubDate>Tue, 17 Nov 2020 16:42:00 -0500</pubDate>
        <guid isPermaLink="false">ea8ed0a3-76fc-4cab-a89a-748a7898fdb0</guid>
                                    <description><![CDATA[<p>I sit with Jack Kroll - Cost Optimizer Consultant - he speaks about how he helps firms review and cut costs for in various everyday costs.  A few are Edocs, Telecom, Merchant Services, Small Package Shipping  and Waste Removal. </p>
]]></description>
                                                            <content:encoded><![CDATA[<p>I sit with Jack Kroll - Cost Optimizer Consultant - he speaks about how he helps firms review and cut costs for in various everyday costs.  A few are Edocs, Telecom, Merchant Services, Small Package Shipping  and Waste Removal. </p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/3fjy9h/https_3A_2F_2Fd3ctxlq1ktw2nl_cloudfront_net_2Fstaging_2F2020-11-17_2F004e2a34206ebce244d0128a59bee1aa_tc94f8.mp3" length="14781687" type="audio/mpeg"/>
        <itunes:summary><![CDATA[I sit with Jack Kroll - Cost Optimizer Consultant - he speaks about how he helps firms review and cut costs for in various everyday costs.  A few are Edocs, Telecom, Merchant Services, Small Package Shipping  and Waste Removal. ]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>923</itunes:duration>
                                <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog12032415/b95dee41f7e7cc6432800ad4b076fb8b.jpg" />    </item>
    <item>
        <title>Season 2 - Episode 17 Interview with Teri DiGrande - Owner of State Farm Insurance Agency</title>
        <itunes:title>Season 2 - Episode 17 Interview with Teri DiGrande - Owner of State Farm Insurance Agency</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/season-2-episode-17-interview-with-teri-digrande-owner-of-state-farm-insurance-agency/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/season-2-episode-17-interview-with-teri-digrande-owner-of-state-farm-insurance-agency/#comments</comments>        <pubDate>Sat, 31 Oct 2020 12:34:00 -0400</pubDate>
        <guid isPermaLink="false">c602d246-6f75-4713-8056-0276ec79e680</guid>
                                    <description><![CDATA[<p>Just 2 competitors yet partners in the insurance industry, Teri and I. </p>
<p>
</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Just 2 competitors yet partners in the insurance industry, Teri and I. </p>
<p><br>
</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/t1ada9/https_3A_2F_2Fd3ctxlq1ktw2nl_cloudfront_net_2Fstaging_2F2020-10-31_2Fb533eea779f67c1a46b0fa113d99f81a_g4egpv.mp3" length="8960770" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Just 2 competitors yet partners in the insurance industry, Teri and I. 
]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>559</itunes:duration>
                                <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog12032415/4e93ba82000635ffebb1ee2ae578fb7e.jpg" />    </item>
    <item>
        <title>Season 2 - Episode 16 - Stockton University - Cannabis Study Program</title>
        <itunes:title>Season 2 - Episode 16 - Stockton University - Cannabis Study Program</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/season-2-episode-16-stockton-university-cannabis-study-program/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/season-2-episode-16-stockton-university-cannabis-study-program/#comments</comments>        <pubDate>Sat, 31 Oct 2020 12:23:00 -0400</pubDate>
        <guid isPermaLink="false">7e5dbf3d-c97b-40f7-b086-e7a335b0d522</guid>
                                    <description><![CDATA[<p>This podcast is with Mariah Duffey - who heads up the Cannabis Study Program at Stockton University.  </p>
]]></description>
                                                            <content:encoded><![CDATA[<p>This podcast is with Mariah Duffey - who heads up the Cannabis Study Program at Stockton University.  </p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/5qz43m/https_3A_2F_2Fd3ctxlq1ktw2nl_cloudfront_net_2Fstaging_2F2020-10-31_2F716b7e23dd91f119d4f5121d93fdabb3_u3d6h3.mp3" length="12511751" type="audio/mpeg"/>
        <itunes:summary><![CDATA[This podcast is with Mariah Duffey - who heads up the Cannabis Study Program at Stockton University.  ]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>781</itunes:duration>
                                <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog12032415/182ec92859a4d7b072dd4b4cb4a84a4f.jpg" />    </item>
    <item>
        <title>Season 2 - Episode 17 - The hidden coverage “Valuable Papers” within a Business Owners Policy</title>
        <itunes:title>Season 2 - Episode 17 - The hidden coverage “Valuable Papers” within a Business Owners Policy</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/season-2-episode-17-the-hidden-coverage-valuable-papers-within-a-business-owners-policy/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/season-2-episode-17-the-hidden-coverage-valuable-papers-within-a-business-owners-policy/#comments</comments>        <pubDate>Tue, 20 Oct 2020 17:59:00 -0400</pubDate>
        <guid isPermaLink="false">1e6e66a3-b199-4500-b9df-f19a5bfc2181</guid>
                                    <description><![CDATA[Most do not know they have coverage on your business ownrs policy that helps you restore your documents that were lost during a claim. This coverage is very crucial for attorneys and those in the medical field.]]></description>
                                                            <content:encoded><![CDATA[Most do not know they have coverage on your business ownrs policy that helps you restore your documents that were lost during a claim. This coverage is very crucial for attorneys and those in the medical field.]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/k3t1xt/https_3A_2F_2Fd3ctxlq1ktw2nl_cloudfront_net_2Fstaging_2F2020-10-20_2Fa27301fb4ca82e33a0c88489358a3a38_3ubcqu.mp3" length="3898866" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Most do not know they have coverage on your business ownrs policy that helps you restore your documents that were lost during a claim. This coverage is very crucial for attorneys and those in the medical field.]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>243</itunes:duration>
                                <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog12032415/a5a3d25a794b5baa875b4bd12dde632c.jpg" />    </item>
    <item>
        <title>Season 2 - Episode 16 - Why the insurance industry gets a bad rap</title>
        <itunes:title>Season 2 - Episode 16 - Why the insurance industry gets a bad rap</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/season-2-episode-16-why-the-insurance-industry-gets-a-bad-rap/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/season-2-episode-16-why-the-insurance-industry-gets-a-bad-rap/#comments</comments>        <pubDate>Tue, 13 Oct 2020 12:14:00 -0400</pubDate>
        <guid isPermaLink="false">26f12fa6-13e0-4b63-a328-8211ac0dc2ff</guid>
                                    <description><![CDATA[<p>During this episode I speak about some of the experiences my new clients have encountered from their prior agents and brokers.  Its no wonder why the insurance industry gets a bad rap. </p>
]]></description>
                                                            <content:encoded><![CDATA[<p>During this episode I speak about some of the experiences my new clients have encountered from their prior agents and brokers.  Its no wonder why the insurance industry gets a bad rap. </p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/j20uq6/https_3A_2F_2Fd3ctxlq1ktw2nl_cloudfront_net_2Fstaging_2F2020-10-13_2F85d5799110de866bd10f3926ef2d7f57_7cirb4.mp3" length="5149400" type="audio/mpeg"/>
        <itunes:summary><![CDATA[During this episode I speak about some of the experiences my new clients have encountered from their prior agents and brokers.  Its no wonder why the insurance industry gets a bad rap. ]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>321</itunes:duration>
                                <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog12032415/37891202e4d1041967e810bdcd93ceb4.jpg" />    </item>
    <item>
        <title>Season 2 - Episode 15 - Interview with Dr. David Cunic.</title>
        <itunes:title>Season 2 - Episode 15 - Interview with Dr. David Cunic.</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/season-2-episode-15-interview-with-dr-david-cunic/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/season-2-episode-15-interview-with-dr-david-cunic/#comments</comments>        <pubDate>Mon, 05 Oct 2020 20:41:00 -0400</pubDate>
        <guid isPermaLink="false">a9fc6451-23e2-48bf-bed6-f5b398d1ffd7</guid>
                                    <description><![CDATA[This episode discusses his thoughts on Cannabis Industry, Client relationships and his constant positivity in life.]]></description>
                                                            <content:encoded><![CDATA[This episode discusses his thoughts on Cannabis Industry, Client relationships and his constant positivity in life.]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/b1vq6n/https_3A_2F_2Fd3ctxlq1ktw2nl_cloudfront_net_2Fstaging_2F2020-10-06_2F3d4135aa5d479eb708c0b2fde0902ac9_gaqd9k.mp3" length="20199274" type="audio/mpeg"/>
        <itunes:summary><![CDATA[This episode discusses his thoughts on Cannabis Industry, Client relationships and his constant positivity in life.]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>1262</itunes:duration>
                <itunes:episode>15</itunes:episode>
                <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog12032415/888d953d2f6f9c05ebf45dd59c4f3ea2.jpg" />    </item>
    <item>
        <title>Season 2 - Episode 14 - He just knew marketing was for him, hear the journey of Marc Mustachio</title>
        <itunes:title>Season 2 - Episode 14 - He just knew marketing was for him, hear the journey of Marc Mustachio</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/season-2-episode-14-he-just-knew-marketing-was-for-him-hear-the-journey-of-marc-mustachio/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/season-2-episode-14-he-just-knew-marketing-was-for-him-hear-the-journey-of-marc-mustachio/#comments</comments>        <pubDate>Sun, 20 Sep 2020 12:51:00 -0400</pubDate>
        <guid isPermaLink="false">1710ea56-adbb-4743-b774-d2c658fe3af1</guid>
                                    <description><![CDATA[<p>Marc and I talk about his interest in Marketing, and how he just knew it would be in his future.     We also discuss various insights that are happening within the Marketing Industry.</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Marc and I talk about his interest in Marketing, and how he just knew it would be in his future.     We also discuss various insights that are happening within the Marketing Industry.</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/tscj7o/https_3A_2F_2Fd3ctxlq1ktw2nl_cloudfront_net_2Fstaging_2F2020-09-20_2Fa7e97f474453d850694a8ca1bf03b101_f9iah3.mp3" length="13689142" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Marc and I talk about his interest in Marketing, and how he just knew it would be in his future.     We also discuss various insights that are happening within the Marketing Industry.]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>855</itunes:duration>
                                <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog12032415/a90b43e3ea9a6d0eeb82e26ca8fe1df9.jpg" />    </item>
    <item>
        <title>Season 2 - Episode 13 - Superman of the Insurance Industry - Tony Canas</title>
        <itunes:title>Season 2 - Episode 13 - Superman of the Insurance Industry - Tony Canas</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/season-2-episode-13-superman-of-the-insurance-industry-tony-canas/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/season-2-episode-13-superman-of-the-insurance-industry-tony-canas/#comments</comments>        <pubDate>Tue, 08 Sep 2020 07:21:00 -0400</pubDate>
        <guid isPermaLink="false">eb4073c4-d166-4bed-9650-97aaf0645971</guid>
                                    <description><![CDATA[<p>Interview with Tony Canas, Superman of Insurance Industry Tony Canas.   How he started out in the industry and took it upon himself to take it to the next level.  Now he is Traveling all over giving key note speeches. </p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Interview with Tony Canas, Superman of Insurance Industry Tony Canas.   How he started out in the industry and took it upon himself to take it to the next level.  Now he is Traveling all over giving key note speeches. </p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/ceo4ai/https_3A_2F_2Fd3ctxlq1ktw2nl_cloudfront_net_2Fstaging_2F2020-09-08_2F9ea6249cb521ae6e27f16e4cda197a9e_s9rk4d.mp3" length="21650428" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Interview with Tony Canas, Superman of Insurance Industry Tony Canas.   How he started out in the industry and took it upon himself to take it to the next level.  Now he is Traveling all over giving key note speeches. ]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>1353</itunes:duration>
                                <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog12032415/2005efb9e1548a6bd8d85a0cb3bdee55.jpg" />    </item>
    <item>
        <title>Agency Nation - Play by Play on Starting Social Media and Digital Marketing for your Agency</title>
        <itunes:title>Agency Nation - Play by Play on Starting Social Media and Digital Marketing for your Agency</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/agency-nation-play-by-play-on-starting-social-media-and-digital-marketing-for-your-agency/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/agency-nation-play-by-play-on-starting-social-media-and-digital-marketing-for-your-agency/#comments</comments>        <pubDate>Mon, 31 Aug 2020 21:11:00 -0400</pubDate>
        <guid isPermaLink="false">a60ee449-8779-40ac-a68b-457031751ccf</guid>
                                    <description><![CDATA[<p>Getting Started with Social Media and/or Digital Marketing can be challenging for Agency Owners and Partners.  With this podcast I will explain my journey on accomplishing this task.      </p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Getting Started with Social Media and/or Digital Marketing can be challenging for Agency Owners and Partners.  With this podcast I will explain my journey on accomplishing this task.      </p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/4rwo7b/https_3A_2F_2Fd3ctxlq1ktw2nl_cloudfront_net_2Fstaging_2F2020-09-01_2Fe84f1b213c4764e30ba714ada48cc819_j9rqgq.mp3" length="19635029" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Getting Started with Social Media and/or Digital Marketing can be challenging for Agency Owners and Partners.  With this podcast I will explain my journey on accomplishing this task.      ]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>1227</itunes:duration>
                                <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog12032415/cecdfa5aa19c14652333038962b96b42.jpg" />    </item>
    <item>
        <title>Season 2 - Episode 12 - If your premises is vacant, you may be without coverage</title>
        <itunes:title>Season 2 - Episode 12 - If your premises is vacant, you may be without coverage</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/season-2-episode-12-if-your-premises-is-vacant-you-may-be-without-coverage/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/season-2-episode-12-if-your-premises-is-vacant-you-may-be-without-coverage/#comments</comments>        <pubDate>Thu, 20 Aug 2020 07:22:00 -0400</pubDate>
        <guid isPermaLink="false">bcc37123-546f-4f5f-9169-065d89456cbf</guid>
                                    <description><![CDATA[<p>This episode speaks about the vacancy clause that are in homeowners, dwelling fire and commercial property policies.</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>This episode speaks about the vacancy clause that are in homeowners, dwelling fire and commercial property policies.</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/u75zjc/https_3A_2F_2Fd3ctxlq1ktw2nl_cloudfront_net_2Fstaging_2F2020-08-20_2F85a017de9c80cbd9141dfa565fee546f_bwwvxf.mp3" length="3595010" type="audio/mpeg"/>
        <itunes:summary><![CDATA[This episode speaks about the vacancy clause that are in homeowners, dwelling fire and commercial property policies.]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>224</itunes:duration>
                                <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog12032415/393bd0f25fa6b1a6951322107c245ec6.jpg" />    </item>
    <item>
        <title>Season 2 - Episode 10 - Marketing ideas from owner Chuck of Jersey Girl Brewery</title>
        <itunes:title>Season 2 - Episode 10 - Marketing ideas from owner Chuck of Jersey Girl Brewery</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/season-2-episode-10-marketing-ideas-from-owner-chuck-of-jersey-girl-brewery/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/season-2-episode-10-marketing-ideas-from-owner-chuck-of-jersey-girl-brewery/#comments</comments>        <pubDate>Tue, 11 Aug 2020 17:56:00 -0400</pubDate>
        <guid isPermaLink="false">d61da2cf-12c4-4c1d-88e4-1f79a0b28fb4</guid>
                                    <description><![CDATA[This episode I sat down with onwer Chuck from Jersey Girl Brewery. We discussed the birth of the brewery and how he has had to pivit multiple times to stay on the game.]]></description>
                                                            <content:encoded><![CDATA[This episode I sat down with onwer Chuck from Jersey Girl Brewery. We discussed the birth of the brewery and how he has had to pivit multiple times to stay on the game.]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/higif1/https_3A_2F_2Fd3ctxlq1ktw2nl_cloudfront_net_2Fstaging_2F2020-09-01_2F752fd4507a5cf3a40695fd6732f46f64_ygyawp.mp3" length="52141387" type="audio/mpeg"/>
        <itunes:summary><![CDATA[This episode I sat down with onwer Chuck from Jersey Girl Brewery. We discussed the birth of the brewery and how he has had to pivit multiple times to stay on the game.]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>3258</itunes:duration>
                                <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog12032415/ed5299070d765bc6c11673b737694d1c.jpg" />    </item>
    <item>
        <title>Season 2 - Episode 9 LLC vs Inc. relating to Workers Compensation</title>
        <itunes:title>Season 2 - Episode 9 LLC vs Inc. relating to Workers Compensation</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/season-2-episode-9-llc-vs-inc-relating-to-workers-compensation/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/season-2-episode-9-llc-vs-inc-relating-to-workers-compensation/#comments</comments>        <pubDate>Tue, 04 Aug 2020 19:26:00 -0400</pubDate>
        <guid isPermaLink="false">1a5988ed-76bb-448a-b463-3c87c77cb064</guid>
                                    <description><![CDATA[This episode I explain the pros and cons pertaining to LLC vs Inc. as it relates to Workers Compensation premiums.]]></description>
                                                            <content:encoded><![CDATA[This episode I explain the pros and cons pertaining to LLC vs Inc. as it relates to Workers Compensation premiums.]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/5eftlz/https_3A_2F_2Fd3ctxlq1ktw2nl_cloudfront_net_2Fstaging_2F2020-08-04_2Fd599f78dc0bb322a716c82388d9dda55_p6b3gd.mp3" length="3092623" type="audio/mpeg"/>
        <itunes:summary><![CDATA[This episode I explain the pros and cons pertaining to LLC vs Inc. as it relates to Workers Compensation premiums.]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>193</itunes:duration>
                                <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog12032415/8d155142e35fe52f85808b229340f042.jpg" />    </item>
    <item>
        <title>Season 2 - Episode 8 - We all love to brag about our business but it will hurt you...</title>
        <itunes:title>Season 2 - Episode 8 - We all love to brag about our business but it will hurt you...</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/season-2-episode-8-we-all-love-to-brag-about-our-business-but-it-will-hurt-you/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/season-2-episode-8-we-all-love-to-brag-about-our-business-but-it-will-hurt-you/#comments</comments>        <pubDate>Tue, 28 Jul 2020 16:52:00 -0400</pubDate>
        <guid isPermaLink="false">c5b65050-bcee-44a2-a4d9-3306724623ce</guid>
                                    <description><![CDATA[<p>We all love to brag about our business but in the end it could have negative impact with insurance underwriters</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>We all love to brag about our business but in the end it could have negative impact with insurance underwriters</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/qrt668/https_3A_2F_2Fd3ctxlq1ktw2nl_cloudfront_net_2Fstaging_2F2020-07-28_2F885e9601be021b7ab5b5198d8ad037fa_4xy2mg.mp3" length="3200874" type="audio/mpeg"/>
        <itunes:summary><![CDATA[We all love to brag about our business but in the end it could have negative impact with insurance underwriters]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>199</itunes:duration>
                                <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog12032415/f12ec06f15019ba56a0c7759c2925e6b.jpg" />    </item>
    <item>
        <title>Season 2 - Episode 7 - Final Day Preparation - We all need to do this</title>
        <itunes:title>Season 2 - Episode 7 - Final Day Preparation - We all need to do this</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/season-2-episode-7-final-day-preparation-we-all-need-to-do-this/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/season-2-episode-7-final-day-preparation-we-all-need-to-do-this/#comments</comments>        <pubDate>Tue, 21 Jul 2020 12:23:00 -0400</pubDate>
        <guid isPermaLink="false">9d3bdda6-46a6-45ba-8e32-8b544fae4beb</guid>
                                    <description><![CDATA[<p>Discussions with Dina Koulosousas  - Elder Law and Trust Attorney -the importance of having all affairs in order in prepare of the final day.</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Discussions with Dina Koulosousas  - Elder Law and Trust Attorney -the importance of having all affairs in order in prepare of the final day.</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/fdrti7/https_3A_2F_2Fd3ctxlq1ktw2nl_cloudfront_net_2Fstaging_2F2020-07-21_2Fe245072e0d5e0c4436f7669c4e867a65_bbyfbz.mp3" length="8731310" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Discussions with Dina Koulosousas  - Elder Law and Trust Attorney -the importance of having all affairs in order in prepare of the final day.]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>545</itunes:duration>
                                <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog12032415/6869933066c02d229051adbd249a9854.jpg" />    </item>
    <item>
        <title>Season 2 - Episode 6 - 3 ingredients for the Recipe of Success</title>
        <itunes:title>Season 2 - Episode 6 - 3 ingredients for the Recipe of Success</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/season-2-episode-6-3-ingredients-for-the-recipe-of-success/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/season-2-episode-6-3-ingredients-for-the-recipe-of-success/#comments</comments>        <pubDate>Tue, 07 Jul 2020 19:01:00 -0400</pubDate>
        <guid isPermaLink="false">60e5152f-c814-4fdc-a0c6-69cbb8c500cc</guid>
                                    <description><![CDATA[<p>With every dish, every cake comes those special ingredients that just make the dish.   Same holds true with Success.  This episode speaks those 3 ingredients. </p>
<p>
</p>
<p>
</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>With every dish, every cake comes those special ingredients that just make the dish.   Same holds true with Success.  This episode speaks those 3 ingredients. </p>
<p><br>
</p>
<p><br>
</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/bprl3o/https_3A_2F_2Fd3ctxlq1ktw2nl_cloudfront_net_2Fstaging_2F2020-07-07_2F173260668e8dc131337752885f8357e0_t82c8m.mp3" length="3732518" type="audio/mpeg"/>
        <itunes:summary><![CDATA[With every dish, every cake comes those special ingredients that just make the dish.   Same holds true with Success.  This episode speaks those 3 ingredients. 

]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>233</itunes:duration>
                                <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog12032415/528e646ab95557f816fcd9e955b0e5e6.jpg" />    </item>
    <item>
        <title>Season 2 - Episode 5 - Business Ideas - Where do you Start - with Nick Wagner</title>
        <itunes:title>Season 2 - Episode 5 - Business Ideas - Where do you Start - with Nick Wagner</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/season-2-episode-5-business-ideas-where-do-you-start-with-nick-wagner/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/season-2-episode-5-business-ideas-where-do-you-start-with-nick-wagner/#comments</comments>        <pubDate>Wed, 01 Jul 2020 05:37:00 -0400</pubDate>
        <guid isPermaLink="false">d1daf81a-8f4d-4865-b3cd-893bb9504404</guid>
                                    <description><![CDATA[<p>This podcast I sit down with Nick Wagner.   Anyone who follows Nick Wagner knows he is the mastermind of how to allow an idea in your head to come out so everyone can hear it.   He makes it seem so easy. </p>
]]></description>
                                                            <content:encoded><![CDATA[<p>This podcast I sit down with Nick Wagner.   Anyone who follows Nick Wagner knows he is the mastermind of how to allow an idea in your head to come out so everyone can hear it.   He makes it seem so easy. </p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/amufri/https_3A_2F_2Fd3ctxlq1ktw2nl_cloudfront_net_2Fstaging_2F2020-07-01_2F19bd6e202984add75ddf5a80b0a9877a_iri4t9.mp3" length="15662745" type="audio/mpeg"/>
        <itunes:summary><![CDATA[This podcast I sit down with Nick Wagner.   Anyone who follows Nick Wagner knows he is the mastermind of how to allow an idea in your head to come out so everyone can hear it.   He makes it seem so easy. ]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>978</itunes:duration>
                                <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog12032415/ffc85f88383a9c136ef54a662dd35a0f.jpg" />    </item>
    <item>
        <title>Season 2 - Episode 4 - Don't cancel - Now more than ever - Management Liability Policies are needed</title>
        <itunes:title>Season 2 - Episode 4 - Don't cancel - Now more than ever - Management Liability Policies are needed</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/season-2-episode-4-dont-cancel-now-more-than-ever-management-liability-policies-are-needed/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/season-2-episode-4-dont-cancel-now-more-than-ever-management-liability-policies-are-needed/#comments</comments>        <pubDate>Tue, 23 Jun 2020 07:19:00 -0400</pubDate>
        <guid isPermaLink="false">ab4fd303-69fd-47d0-a4ec-3baf007467c8</guid>
                                    <description><![CDATA[<p>This episode speaks of how some business owners are looking to save costs on insurance coverage - the management liability polices such as Directors and Officers, Professional Liability and Employment Practices Liability are needed more than ever. </p>
]]></description>
                                                            <content:encoded><![CDATA[<p>This episode speaks of how some business owners are looking to save costs on insurance coverage - the management liability polices such as Directors and Officers, Professional Liability and Employment Practices Liability are needed more than ever. </p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/lt48br/https_3A_2F_2Fd3ctxlq1ktw2nl_cloudfront_net_2Fstaging_2F2020-06-23_2F2d5110b652a9b49e20a13d724b043b44_gp7aik.mp3" length="11584717" type="audio/mpeg"/>
        <itunes:summary><![CDATA[This episode speaks of how some business owners are looking to save costs on insurance coverage - the management liability polices such as Directors and Officers, Professional Liability and Employment Practices Liability are needed more than ever. ]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>723</itunes:duration>
                                <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog12032415/b14abc49b06c034ba1c1bcf414133b70.jpg" />    </item>
    <item>
        <title>Season 2 - Episode 3 - Legal and Insurance - 3rd party claims on horizon for Covid 19</title>
        <itunes:title>Season 2 - Episode 3 - Legal and Insurance - 3rd party claims on horizon for Covid 19</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/season-2-episode-3-legal-and-insurance-3rd-party-claims-on-horizon-for-covid-19/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/season-2-episode-3-legal-and-insurance-3rd-party-claims-on-horizon-for-covid-19/#comments</comments>        <pubDate>Sun, 14 Jun 2020 12:38:00 -0400</pubDate>
        <guid isPermaLink="false">213f3e2c-d199-4adb-b5c8-aa055519dd1b</guid>
                                    <description><![CDATA[<p>For this episode attorneys Trish and Laura join me to speak about 3rd party claims that are on the horizon due to Covid 19.</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>For this episode attorneys Trish and Laura join me to speak about 3rd party claims that are on the horizon due to Covid 19.</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/53ljzt/https_3A_2F_2Fd3ctxlq1ktw2nl_cloudfront_net_2Fstaging_2F2020-06-14_2F9e9a058bd9afb27d58a109cfe177b4d5_8bvc5y.mp3" length="13567098" type="audio/mpeg"/>
        <itunes:summary><![CDATA[For this episode attorneys Trish and Laura join me to speak about 3rd party claims that are on the horizon due to Covid 19.]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>847</itunes:duration>
                                <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog12032415/95b227a03fe4bdb74872cc91de44e090.jpg" />    </item>
    <item>
        <title>Season 2 - Episode 2 - Finally some relief with Pandemic and Workers Compensation Rates</title>
        <itunes:title>Season 2 - Episode 2 - Finally some relief with Pandemic and Workers Compensation Rates</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/season-2-episode-2-finally-some-relief-with-pandemic-and-workers-compensation-rates/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/season-2-episode-2-finally-some-relief-with-pandemic-and-workers-compensation-rates/#comments</comments>        <pubDate>Sun, 07 Jun 2020 15:27:00 -0400</pubDate>
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                                    <description><![CDATA[<p>This episode speaks about the changes in rate structure due to Pandemic </p>
]]></description>
                                                            <content:encoded><![CDATA[<p>This episode speaks about the changes in rate structure due to Pandemic </p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/gvxdnk/https_3A_2F_2Fd3ctxlq1ktw2nl_cloudfront_net_2Fstaging_2F2020-06-07_2F0669434340550bb035a4df741759c174_mj45y6.mp3" length="3508492" type="audio/mpeg"/>
        <itunes:summary><![CDATA[This episode speaks about the changes in rate structure due to Pandemic ]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>219</itunes:duration>
                                <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog12032415/bd58c4de3f529403a204f8b6cd1ac56d.jpg" />    </item>
    <item>
        <title>Season 2 - Episode 1 - Excited for Season 2 and Why I love what I do</title>
        <itunes:title>Season 2 - Episode 1 - Excited for Season 2 and Why I love what I do</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/season-2-episode-1-excited-for-season-2-and-why-i-love-what-i-do/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/season-2-episode-1-excited-for-season-2-and-why-i-love-what-i-do/#comments</comments>        <pubDate>Tue, 02 Jun 2020 05:38:00 -0400</pubDate>
        <guid isPermaLink="false">43acc79e-cf61-4af2-956b-f5a9507939e3</guid>
                                    <description><![CDATA[<p>They say you are not working if you love what you do.   I believe that statement 1000%</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>They say you are not working if you love what you do.   I believe that statement 1000%</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/jf37rl/https_3A_2F_2Fd3ctxlq1ktw2nl_cloudfront_net_2Fstaging_2F2020-06-02_2Fb6a73c5e7759e5de1712186da8fabba5_q5txfd.mp3" length="5865782" type="audio/mpeg"/>
        <itunes:summary><![CDATA[They say you are not working if you love what you do.   I believe that statement 1000%]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>366</itunes:duration>
                                <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog12032415/c68b43e21b7bd2db1ce0b098f9e13e8a.jpg" />    </item>
    <item>
        <title>Special Edition - Brilliant Gen-Z-ers on the rise - Makin' Lemonade</title>
        <itunes:title>Special Edition - Brilliant Gen-Z-ers on the rise - Makin' Lemonade</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/special-edition-brilliant-gen-z-ers-on-the-rise-makin-lemonade/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/special-edition-brilliant-gen-z-ers-on-the-rise-makin-lemonade/#comments</comments>        <pubDate>Sun, 17 May 2020 09:41:00 -0400</pubDate>
        <guid isPermaLink="false">9defd1d5-2432-496b-a767-4578a1318773</guid>
                                    <description><![CDATA[<p>I am super excited about this episode for a few reasons.   Two Gen-Z-ers, thinking out of the box by Makin' Lemonade and Gen-Z-ers are on the rise.</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>I am super excited about this episode for a few reasons.   Two Gen-Z-ers, thinking out of the box by Makin' Lemonade and Gen-Z-ers are on the rise.</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/ywdhbq/https_3A_2F_2Fd3ctxlq1ktw2nl_cloudfront_net_2Fstaging_2F2020-05-17_2Fbb57ed808cbdb70a357b1b3130581bc7_wtm7vw.mp3" length="7620374" type="audio/mpeg"/>
        <itunes:summary><![CDATA[I am super excited about this episode for a few reasons.   Two Gen-Z-ers, thinking out of the box by Makin' Lemonade and Gen-Z-ers are on the rise.]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>476</itunes:duration>
                                <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog12032415/81e079c399440229672979e4025947c4.jpg" />    </item>
    <item>
        <title>Season 1 - thats a wrap ----- Season 2 on the way</title>
        <itunes:title>Season 1 - thats a wrap ----- Season 2 on the way</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/season-1-thats-a-wrap-season-2-on-the-way/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/season-1-thats-a-wrap-season-2-on-the-way/#comments</comments>        <pubDate>Tue, 21 Apr 2020 05:55:00 -0400</pubDate>
        <guid isPermaLink="false">67d3a946-bc33-4cb5-a25a-25ebc834a3af</guid>
                                    <description><![CDATA[<p>My journey for season 1... what I have noticed along the way.....</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>My journey for season 1... what I have noticed along the way.....</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/supfke/https_3A_2F_2Fd3ctxlq1ktw2nl_cloudfront_net_2Fstaging_2F2020-04-21_2Fde20a67a270f3405c929dbaa5d027548_ph6jgh.mp3" length="3129821" type="audio/mpeg"/>
        <itunes:summary><![CDATA[My journey for season 1... what I have noticed along the way.....]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>195</itunes:duration>
                                <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog12032415/90c62b4a468ad063c404482ea2136199.jpg" />    </item>
    <item>
        <title>Episode 50 - Similarity with Pod-castors and Musicians</title>
        <itunes:title>Episode 50 - Similarity with Pod-castors and Musicians</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/episode-50-similarity-with-pod-castors-and-musicians/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/episode-50-similarity-with-pod-castors-and-musicians/#comments</comments>        <pubDate>Tue, 14 Apr 2020 12:23:00 -0400</pubDate>
        <guid isPermaLink="false">05c80f21-9da8-408f-b87a-bbccad57ecdc</guid>
                                    <description><![CDATA[<p>This episode about the commonalities between pod-castors and musicians - both are creative and able to speak their mind </p>
]]></description>
                                                            <content:encoded><![CDATA[<p>This episode about the commonalities between pod-castors and musicians - both are creative and able to speak their mind </p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/niltm1/https_3A_2F_2Fd3ctxlq1ktw2nl_cloudfront_net_2Fstaging_2F2020-04-14_2Fb073929d5323c1b092c17ad61cbbbeb5_qv4hit.mp3" length="2216162" type="audio/mpeg"/>
        <itunes:summary><![CDATA[This episode about the commonalities between pod-castors and musicians - both are creative and able to speak their mind ]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>138</itunes:duration>
                                <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog12032415/b394026f0afe2f91eba27fb57eb11096.jpg" />    </item>
    <item>
        <title>Episode 49 - Times of Crisis - Customer Service stands out</title>
        <itunes:title>Episode 49 - Times of Crisis - Customer Service stands out</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/episode-49-times-of-crisis-customer-service-stands-out/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/episode-49-times-of-crisis-customer-service-stands-out/#comments</comments>        <pubDate>Tue, 07 Apr 2020 17:13:00 -0400</pubDate>
        <guid isPermaLink="false">01a295d4-c290-4ba2-ab1e-63ff12a878f6</guid>
                                    <description><![CDATA[<p>This episode speaks about the importance of Customer Service during times of crisis </p>
]]></description>
                                                            <content:encoded><![CDATA[<p>This episode speaks about the importance of Customer Service during times of crisis </p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/64q7s5/https_3A_2F_2Fd3ctxlq1ktw2nl_cloudfront_net_2Fstaging_2F2020-04-07_2F35c774ab2f47cd971211ce60a1744dd1_fwrjir.mp3" length="4584737" type="audio/mpeg"/>
        <itunes:summary><![CDATA[This episode speaks about the importance of Customer Service during times of crisis ]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>286</itunes:duration>
                                <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog12032415/d8a18db978d2e10db7fee3795cf7cdae.jpg" />    </item>
    <item>
        <title>Episode 48 - Zoom-ing - what a great platform</title>
        <itunes:title>Episode 48 - Zoom-ing - what a great platform</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/episode-48-zoom-ing-what-a-great-platform/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/episode-48-zoom-ing-what-a-great-platform/#comments</comments>        <pubDate>Tue, 31 Mar 2020 15:24:00 -0400</pubDate>
        <guid isPermaLink="false">904cfcad-5247-4fe2-bdd0-853b1b4004e4</guid>
                                    <description><![CDATA[<p>Since COVID-19 Zoom as gained alot of momentum - my thoughts of other ways to use it </p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Since COVID-19 Zoom as gained alot of momentum - my thoughts of other ways to use it </p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/eb201z/https_3A_2F_2Fd3ctxlq1ktw2nl_cloudfront_net_2Fstaging_2F2020-03-31_2F1431bb696ae3aee1ee33278bdccace5f_mznvwx.mp3" length="3989563" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Since COVID-19 Zoom as gained alot of momentum - my thoughts of other ways to use it ]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>249</itunes:duration>
                                <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog12032415/ab4422e57ce7f0f70b168e3fe3814e40.jpg" />    </item>
    <item>
        <title>Episode 47 - Coronavirus - Observe - Change</title>
        <itunes:title>Episode 47 - Coronavirus - Observe - Change</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/episode-47-coronavirus-observe-change/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/episode-47-coronavirus-observe-change/#comments</comments>        <pubDate>Sun, 22 Mar 2020 12:15:00 -0400</pubDate>
        <guid isPermaLink="false">fc78c8a3-c119-45a6-b037-c586fb471d98</guid>
                                    <description><![CDATA[<p>This episode speaks about how a situation can allow us to open our eyes, and maybe change is for the better</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>This episode speaks about how a situation can allow us to open our eyes, and maybe change is for the better</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/ogojt9/https_3A_2F_2Fd3ctxlq1ktw2nl_cloudfront_net_2Fstaging_2F2020-03-22_2F020359706f08b57c23bc206d442a8d12_qm8ix7.mp3" length="3874624" type="audio/mpeg"/>
        <itunes:summary><![CDATA[This episode speaks about how a situation can allow us to open our eyes, and maybe change is for the better]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>242</itunes:duration>
                                <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog12032415/417291db4fa0fb45fcc64e234f538bd9.jpg" />    </item>
    <item>
        <title>Episode 46 - Flood Insurance - Limits are important</title>
        <itunes:title>Episode 46 - Flood Insurance - Limits are important</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/episode-46-flood-insurance-limits-are-important/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/episode-46-flood-insurance-limits-are-important/#comments</comments>        <pubDate>Mon, 16 Mar 2020 07:56:00 -0400</pubDate>
        <guid isPermaLink="false">15d6d206-1dc3-47ad-90b2-7f10928fde96</guid>
                                    <description><![CDATA[<p>This episode speaks about limits on your flood policy - there are certain limits allowed, so you have to be certain you have excess limits as needed.</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>This episode speaks about limits on your flood policy - there are certain limits allowed, so you have to be certain you have excess limits as needed.</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/7lhzre/https_3A_2F_2Fd3ctxlq1ktw2nl_cloudfront_net_2Fstaging_2F2020-07-07_2F0b0496d30272b2492433d6b0862c817e_3tcms3.mp3" length="28772871" type="audio/mpeg"/>
        <itunes:summary><![CDATA[This episode speaks about limits on your flood policy - there are certain limits allowed, so you have to be certain you have excess limits as needed.]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>1798</itunes:duration>
                                <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog12032415/8683c3c8849146608dd93648700f845d.jpg" />    </item>
    <item>
        <title>Episode 45 - Keeping up with the times - importance of reading</title>
        <itunes:title>Episode 45 - Keeping up with the times - importance of reading</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/episode-45-keeping-up-with-the-times-importance-of-reading/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/episode-45-keeping-up-with-the-times-importance-of-reading/#comments</comments>        <pubDate>Sat, 07 Mar 2020 13:41:00 -0500</pubDate>
        <guid isPermaLink="false">bb54d004-6716-40de-a9c4-a68a8bca51f4</guid>
                                    <description><![CDATA[This episode speaks about how its important to keep reading - learning one of the keys to success]]></description>
                                                            <content:encoded><![CDATA[This episode speaks about how its important to keep reading - learning one of the keys to success]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/yeyg71/https_3A_2F_2Fd3ctxlq1ktw2nl_cloudfront_net_2Fproduction_2F2020-2-1_2F53631299-44100-1-f2c65a46c99df_fxs84n.mp3" length="5052431" type="audio/mpeg"/>
        <itunes:summary><![CDATA[This episode speaks about how its important to keep reading - learning one of the keys to success]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>315</itunes:duration>
                                <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog12032415/127ca83184d6be73c01695052e3bb292.jpg" />    </item>
    <item>
        <title>Episode 44 - Audits for Workers Compensation Policies</title>
        <itunes:title>Episode 44 - Audits for Workers Compensation Policies</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/episode-44-audits-for-workers-compensation-policies/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/episode-44-audits-for-workers-compensation-policies/#comments</comments>        <pubDate>Sun, 01 Mar 2020 18:16:00 -0500</pubDate>
        <guid isPermaLink="false">4f3cce31-21e2-4001-bdcb-c61148d6a980</guid>
                                    <description><![CDATA[<p>This episode I speak about why the Workers Compensation Audits need to occur. </p>
]]></description>
                                                            <content:encoded><![CDATA[<p>This episode I speak about why the Workers Compensation Audits need to occur. </p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/riuhwj/https_3A_2F_2Fd3ctxlq1ktw2nl_cloudfront_net_2Fstaging_2F2020-03-01_2F4584a6730d965912a3caf74dff414143_i9257t.mp3" length="3699917" type="audio/mpeg"/>
        <itunes:summary><![CDATA[This episode I speak about why the Workers Compensation Audits need to occur. ]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>231</itunes:duration>
                                <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog12032415/1f64f57f5f0f17ec40c5f05044ec1188.jpg" />    </item>
    <item>
        <title>Episode 43 - Malpractice Insurance - Defense Inside vs Outside</title>
        <itunes:title>Episode 43 - Malpractice Insurance - Defense Inside vs Outside</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/episode-43-malpractice-insurance-defense-inside-vs-outside/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/episode-43-malpractice-insurance-defense-inside-vs-outside/#comments</comments>        <pubDate>Tue, 25 Feb 2020 06:43:00 -0500</pubDate>
        <guid isPermaLink="false">df465a46-3346-4989-9373-f286bfc783e1</guid>
                                    <description><![CDATA[<p>This episode speaks about what it means when you have defense inside vs outside on your Malpractice Insurance. </p>
]]></description>
                                                            <content:encoded><![CDATA[<p>This episode speaks about what it means when you have defense inside vs outside on your Malpractice Insurance. </p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/2o3ewi/https_3A_2F_2Fd3ctxlq1ktw2nl_cloudfront_net_2Fstaging_2F2020-02-25_2F6d92d2792671a63fab81485f38f53998_wtfg6s.mp3" length="3097220" type="audio/mpeg"/>
        <itunes:summary><![CDATA[This episode speaks about what it means when you have defense inside vs outside on your Malpractice Insurance. ]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>193</itunes:duration>
                                <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog12032415/18bc9ddce3cfb462af6184f0de252962.jpg" />    </item>
    <item>
        <title>Episode 42 - The birth of CannaRiskCon 1.0 - How it happened</title>
        <itunes:title>Episode 42 - The birth of CannaRiskCon 1.0 - How it happened</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/episode-42-the-birth-of-cannariskcon-10-how-it-happened/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/episode-42-the-birth-of-cannariskcon-10-how-it-happened/#comments</comments>        <pubDate>Tue, 18 Feb 2020 08:27:00 -0500</pubDate>
        <guid isPermaLink="false">3f151243-62e8-48fa-8caf-a47c673211ed</guid>
                                    <description><![CDATA[<p>This podcast tells the journey of how CannaRiskCon 1.0 was created. </p>
]]></description>
                                                            <content:encoded><![CDATA[<p>This podcast tells the journey of how CannaRiskCon 1.0 was created. </p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/9qnucu/https_3A_2F_2Fd3ctxlq1ktw2nl_cloudfront_net_2Fstaging_2F2020-02-18_2Fa8700ff3e54df98c4e4f6fbe39d8623f_4wcdjm.mp3" length="10814836" type="audio/mpeg"/>
        <itunes:summary><![CDATA[This podcast tells the journey of how CannaRiskCon 1.0 was created. ]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>675</itunes:duration>
                                <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog12032415/900962efdf6faf32e2c2174cfab2df17.jpg" />    </item>
    <item>
        <title>Episode 41 - Business Pet Peeves - We all have them</title>
        <itunes:title>Episode 41 - Business Pet Peeves - We all have them</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/episode-41-business-pet-peeves-we-all-have-them/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/episode-41-business-pet-peeves-we-all-have-them/#comments</comments>        <pubDate>Wed, 12 Feb 2020 11:00:00 -0500</pubDate>
        <guid isPermaLink="false">77f1e776-a1e9-44f5-bf5d-3194004ae926</guid>
                                    <description><![CDATA[<p>Everyday we have a routine..  some are our pet peeves, some are not.   We all have them. </p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Everyday we have a routine..  some are our pet peeves, some are not.   We all have them. </p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/yughy7/https_3A_2F_2Fd3ctxlq1ktw2nl_cloudfront_net_2Fstaging_2F2020-02-12_2F84932e97fa6b560392d10a99e782c684_weq9bx.mp3" length="2085341" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Everyday we have a routine..  some are our pet peeves, some are not.   We all have them. ]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>130</itunes:duration>
                                <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog12032415/f63d8453b1f1edd62fb2fb1f70bb1b77.jpg" />    </item>
    <item>
        <title>Episode 40 - Why is it called Sales and Marketing?</title>
        <itunes:title>Episode 40 - Why is it called Sales and Marketing?</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/episode-40-why-is-it-called-sales-and-marketing/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/episode-40-why-is-it-called-sales-and-marketing/#comments</comments>        <pubDate>Tue, 04 Feb 2020 08:50:00 -0500</pubDate>
        <guid isPermaLink="false">fa50a599-c47e-4ddd-9f4f-5f5e26c42147</guid>
                                    <description><![CDATA[<p>Just a brief conversation on my thoughts about the term Sales and Marketing. </p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Just a brief conversation on my thoughts about the term Sales and Marketing. </p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/pnknmu/https_3A_2F_2Fd3ctxlq1ktw2nl_cloudfront_net_2Fstaging_2F2020-02-04_2Fa897bc6f8fb222d59300dbea31cd3c93_cxv9iu.mp3" length="1644394" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Just a brief conversation on my thoughts about the term Sales and Marketing. ]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>102</itunes:duration>
                                <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog12032415/c98d680102635a3e1539cf35a1b1052a.jpg" />    </item>
    <item>
        <title>Episode 39 - Interview with Dan McManamon - Residential Loan Specialist</title>
        <itunes:title>Episode 39 - Interview with Dan McManamon - Residential Loan Specialist</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/episode-39-interview-with-dan-mcmanamon-residential-loan-specialist/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/episode-39-interview-with-dan-mcmanamon-residential-loan-specialist/#comments</comments>        <pubDate>Wed, 22 Jan 2020 13:45:00 -0500</pubDate>
        <guid isPermaLink="false">77236a50-caf0-4f0e-a143-9f1e9943b279</guid>
                                    <description><![CDATA[<p>Discussions about Residential Loans to do those home projects -- they are not the same as a Equity Loan</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Discussions about Residential Loans to do those home projects -- they are not the same as a Equity Loan</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/0jmw64/https_3A_2F_2Fd3ctxlq1ktw2nl_cloudfront_net_2Fstaging_2F2020-03-10_2F6c5248e4ec625e0b0455f408f318be88_e5buvu.mp3" length="10658520" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Discussions about Residential Loans to do those home projects -- they are not the same as a Equity Loan]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>666</itunes:duration>
                                <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog12032415/57c1f0fe1884e211ea885bcf92d2264e.jpg" />    </item>
    <item>
        <title>Episode 38 - Are E&amp;O, Malpractice and Professional Liability the same?</title>
        <itunes:title>Episode 38 - Are E&amp;O, Malpractice and Professional Liability the same?</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/episode-38-are-eo-malpractice-and-professional-liability-the-same/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/episode-38-are-eo-malpractice-and-professional-liability-the-same/#comments</comments>        <pubDate>Sat, 21 Dec 2019 08:53:00 -0500</pubDate>
        <guid isPermaLink="false">e9c3ddd8-3b42-465f-9a67-fcd8d0056c07</guid>
                                    <description><![CDATA[<p>This episode speaks about E&O, Malpractice and Professional Liability terms - are they the same?</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>This episode speaks about E&O, Malpractice and Professional Liability terms - are they the same?</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/wya05b/https_3A_2F_2Fd3ctxlq1ktw2nl_cloudfront_net_2Fstaging_2F2020-03-05_2F52a464f206d8fb4e3822d50f94df8a43_q8nat8.mp3" length="2709354" type="audio/mpeg"/>
        <itunes:summary><![CDATA[This episode speaks about E&O, Malpractice and Professional Liability terms - are they the same?]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>169</itunes:duration>
                                <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog12032415/e1a274b18e0d9f36306010860965a029.jpg" />    </item>
    <item>
        <title>Episode 37 - Claims - it is so important to keep your agent involved</title>
        <itunes:title>Episode 37 - Claims - it is so important to keep your agent involved</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/episode-37-claims-it-is-so-important-to-keep-your-agent-involved/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/episode-37-claims-it-is-so-important-to-keep-your-agent-involved/#comments</comments>        <pubDate>Sat, 21 Dec 2019 08:50:00 -0500</pubDate>
        <guid isPermaLink="false">f33c91a2-2e6c-46f1-9be9-44b7cfff845d</guid>
                                    <description><![CDATA[<p>This episode speaks about the importance of that dreadful day you have a claim - and the importance of keeping your agent involved</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>This episode speaks about the importance of that dreadful day you have a claim - and the importance of keeping your agent involved</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/otud1y/https_3A_2F_2Fd3ctxlq1ktw2nl_cloudfront_net_2Fstaging_2F2020-03-05_2F7ef304f6cae419749cc6a037bab08613_cq3gp9.mp3" length="2403826" type="audio/mpeg"/>
        <itunes:summary><![CDATA[This episode speaks about the importance of that dreadful day you have a claim - and the importance of keeping your agent involved]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>150</itunes:duration>
                                <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog12032415/4459571b7984060f65b40c2fd543a05f.jpg" />    </item>
    <item>
        <title>Episode 36 - Change is hard - I share my personal story</title>
        <itunes:title>Episode 36 - Change is hard - I share my personal story</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/episode-36-change-is-hard-i-share-my-personal-story/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/episode-36-change-is-hard-i-share-my-personal-story/#comments</comments>        <pubDate>Sat, 21 Dec 2019 08:48:00 -0500</pubDate>
        <guid isPermaLink="false">11647466-187a-4275-95c2-ec4f8f150c15</guid>
                                    <description><![CDATA[<p>First podcast of 2020 - Change is hard - I share my personal story</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>First podcast of 2020 - Change is hard - I share my personal story</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/u59hbz/https_3A_2F_2Fd3ctxlq1ktw2nl_cloudfront_net_2Fstaging_2F2020-03-05_2F2e754329c51184541eaea8651d4d7a2c_q8e98d.mp3" length="3200874" type="audio/mpeg"/>
        <itunes:summary><![CDATA[First podcast of 2020 - Change is hard - I share my personal story]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>199</itunes:duration>
                                <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog12032415/47b51c09721581a8b19a53f290b60a0a.jpg" />    </item>
    <item>
        <title>Episode 35 - Why the financial strength of an insurance company is important.</title>
        <itunes:title>Episode 35 - Why the financial strength of an insurance company is important.</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/episode-35-why-the-financial-strength-of-an-insurance-company-is-important/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/episode-35-why-the-financial-strength-of-an-insurance-company-is-important/#comments</comments>        <pubDate>Sat, 21 Dec 2019 08:46:00 -0500</pubDate>
        <guid isPermaLink="false">2f7f2d1d-b432-4c3e-ac17-42bd00bce5af</guid>
                                    <description><![CDATA[<p>The episode speaks about why the financial strength of an insurance company is so important. </p>
]]></description>
                                                            <content:encoded><![CDATA[<p>The episode speaks about why the financial strength of an insurance company is so important. </p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/8r4c8u/https_3A_2F_2Fd3ctxlq1ktw2nl_cloudfront_net_2Fstaging_2F2020-03-05_2F0040bdf698e6a72e1303fbb556902593_e3hqqn.mp3" length="3350921" type="audio/mpeg"/>
        <itunes:summary><![CDATA[The episode speaks about why the financial strength of an insurance company is so important. ]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>209</itunes:duration>
                                <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog12032415/9dcb6f7ef587161d41a8b922d64f5d54.jpg" />    </item>
    <item>
        <title>Episode 34 - Ask your client - What do you want from me?</title>
        <itunes:title>Episode 34 - Ask your client - What do you want from me?</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/episode-34-ask-your-client-what-do-you-want-from-me/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/episode-34-ask-your-client-what-do-you-want-from-me/#comments</comments>        <pubDate>Sat, 16 Nov 2019 20:32:00 -0500</pubDate>
        <guid isPermaLink="false">ea04cdc3-58a7-50c0-82d8-bb35b3247bb3</guid>
                                    <description><![CDATA[<p>This episode speaks of assisting your client with their business plan - all you have to do is ask "What is it you want from me?"</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>This episode speaks of assisting your client with their business plan - all you have to do is ask "What is it you want from me?"</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/ncjum5/https_3A_2F_2Fd3ctxlq1ktw2nl_cloudfront_net_2Fstaging_2F2020-02-28_2Fd5e7778222b48ed6fb9b07c68d27cc42_gr9get.mp3" length="2241658" type="audio/mpeg"/>
        <itunes:summary><![CDATA[This episode speaks of assisting your client with their business plan - all you have to do is ask "What is it you want from me?"]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>140</itunes:duration>
                                <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog12032415/ab0dc4bf3d0f5eb2fdfe9d53b60a72dd.jpg" />    </item>
    <item>
        <title>Episode 33 - Foundation is the same with house/building and business</title>
        <itunes:title>Episode 33 - Foundation is the same with house/building and business</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/episode-33-foundation-is-the-same-with-housebuilding-and-business/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/episode-33-foundation-is-the-same-with-housebuilding-and-business/#comments</comments>        <pubDate>Sat, 16 Nov 2019 20:28:00 -0500</pubDate>
        <guid isPermaLink="false">d78a7478-fed1-79f4-fd4e-af7148f403a0</guid>
                                    <description><![CDATA[<p>This episode speaks about the similarities with the foundation of a house/building and a business</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>This episode speaks about the similarities with the foundation of a house/building and a business</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/eal8rt/https_3A_2F_2Fd3ctxlq1ktw2nl_cloudfront_net_2Fstaging_2F2020-02-28_2F35bb68727447bab249dd03356ff128c6_hygck3.mp3" length="2651676" type="audio/mpeg"/>
        <itunes:summary><![CDATA[This episode speaks about the similarities with the foundation of a house/building and a business]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>165</itunes:duration>
                                <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog12032415/34184afd16667a66c48cc1f4c92c29b2.jpg" />    </item>
    <item>
        <title>Episode 32 - Change is doable - Interview with Sid Vaidya</title>
        <itunes:title>Episode 32 - Change is doable - Interview with Sid Vaidya</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/episode-32-change-is-doable-interview-with-sid-vaidya/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/episode-32-change-is-doable-interview-with-sid-vaidya/#comments</comments>        <pubDate>Sat, 16 Nov 2019 20:22:00 -0500</pubDate>
        <guid isPermaLink="false">279dec16-9720-aa25-130c-5e8bdfdd97fd</guid>
                                    <description><![CDATA[<p>Change is doable  - put your mind to it.....</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Change is doable  - put your mind to it.....</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/k920z8/https_3A_2F_2Fd3ctxlq1ktw2nl_cloudfront_net_2Fstaging_2F2020-02-28_2F44e4006fea35c0e1b7ee2789bec4ee15_mz4jat.mp3" length="11580538" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Change is doable  - put your mind to it.....]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>723</itunes:duration>
                                <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog12032415/1f05437230b92fdc983dab4f03773b17.jpg" />    </item>
    <item>
        <title>Episode 31 - Thanksgiving 2019 - I am thankful for....</title>
        <itunes:title>Episode 31 - Thanksgiving 2019 - I am thankful for....</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/episode-31-thanksgiving-2019-i-am-thankful-for/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/episode-31-thanksgiving-2019-i-am-thankful-for/#comments</comments>        <pubDate>Sat, 16 Nov 2019 20:18:00 -0500</pubDate>
        <guid isPermaLink="false">1b579174-25fd-8c94-d823-b0cbf2dd27bb</guid>
                                    <description><![CDATA[<p>this episode expresses the thanks I have for my social media followers</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>this episode expresses the thanks I have for my social media followers</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/jfvu2p/https_3A_2F_2Fd3ctxlq1ktw2nl_cloudfront_net_2Fstaging_2F2020-02-28_2F3ee8f90f6cda2f2cde43ba171f2e45a5_aa7y34.mp3" length="1605524" type="audio/mpeg"/>
        <itunes:summary><![CDATA[this episode expresses the thanks I have for my social media followers]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>100</itunes:duration>
                                <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog12032415/eb2b3970d05ae1272e9c91c834426ac5.jpg" />    </item>
    <item>
        <title>Episode 30 - Time Management - Do you "wing" it?</title>
        <itunes:title>Episode 30 - Time Management - Do you "wing" it?</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/episode-30-time-management-do-you-wing-it/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/episode-30-time-management-do-you-wing-it/#comments</comments>        <pubDate>Sat, 16 Nov 2019 20:16:00 -0500</pubDate>
        <guid isPermaLink="false">a6fd670d-d0e8-cbd2-a6fd-7783d0df6481</guid>
                                    <description><![CDATA[<p>This episode is a short except about Time Management - do you plan or wing it </p>
]]></description>
                                                            <content:encoded><![CDATA[<p>This episode is a short except about Time Management - do you plan or wing it </p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/jjg26m/https_3A_2F_2Fd3ctxlq1ktw2nl_cloudfront_net_2Fstaging_2F2020-02-28_2Fb8b756c25f6a9382ecf0185149db5568_gw8cyc.mp3" length="2071130" type="audio/mpeg"/>
        <itunes:summary><![CDATA[This episode is a short except about Time Management - do you plan or wing it ]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>129</itunes:duration>
                                <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog12032415/7c0a192e3f0566790786157bd389580f.jpg" />    </item>
    <item>
        <title>Episode 29 - Difference between an Insurance Agent vs Insurance Broker</title>
        <itunes:title>Episode 29 - Difference between an Insurance Agent vs Insurance Broker</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/episode-29-difference-between-an-insurance-agent-vs-insurance-broker/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/episode-29-difference-between-an-insurance-agent-vs-insurance-broker/#comments</comments>        <pubDate>Sun, 10 Nov 2019 11:08:00 -0500</pubDate>
        <guid isPermaLink="false">3ab966d6-b71d-f3bd-6a67-2ef2428f8c21</guid>
                                    <description><![CDATA[<p>What is the difference between the 2 - insurance agent and broker - the terms are use interchangably. </p>
]]></description>
                                                            <content:encoded><![CDATA[<p>What is the difference between the 2 - insurance agent and broker - the terms are use interchangably. </p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/e4le2u/https_3A_2F_2Fd3ctxlq1ktw2nl_cloudfront_net_2Fstaging_2F2020-02-28_2F9789bc74e786c0acfc0ecd390cd33465_3eafwk.mp3" length="2113762" type="audio/mpeg"/>
        <itunes:summary><![CDATA[What is the difference between the 2 - insurance agent and broker - the terms are use interchangably. ]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>132</itunes:duration>
                                <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog12032415/0d6d5c4d3bc95627564b02d9564a1a21.jpg" />    </item>
    <item>
        <title>Episode 28 - Tis the season of snow plow contracts</title>
        <itunes:title>Episode 28 - Tis the season of snow plow contracts</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/episode-28-tis-the-season-of-snow-plow-contracts/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/episode-28-tis-the-season-of-snow-plow-contracts/#comments</comments>        <pubDate>Thu, 17 Oct 2019 10:39:00 -0400</pubDate>
        <guid isPermaLink="false">ca302017-8b9f-b609-ec16-409a6d382f09</guid>
                                    <description><![CDATA[<p>All building owners should be reviewing contracts and insurance that you snow plow contracts have</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>All building owners should be reviewing contracts and insurance that you snow plow contracts have</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/1p2od3/https_3A_2F_2Fd3ctxlq1ktw2nl_cloudfront_net_2Fstaging_2F2020-02-25_2F7aa12b698ad0b9405004a8c4c057d749_5268a3.mp3" length="1974582" type="audio/mpeg"/>
        <itunes:summary><![CDATA[All building owners should be reviewing contracts and insurance that you snow plow contracts have]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>123</itunes:duration>
                                <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog12032415/f0296522ca4c7991ecc4539566b70a1a.jpg" />    </item>
    <item>
        <title>Episode 27 - "Attitude" such a strong word</title>
        <itunes:title>Episode 27 - "Attitude" such a strong word</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/episode-27-attitude-such-a-strong-word/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/episode-27-attitude-such-a-strong-word/#comments</comments>        <pubDate>Thu, 17 Oct 2019 10:32:00 -0400</pubDate>
        <guid isPermaLink="false">1acdcecb-dc49-9575-198f-0a4a9628c89a</guid>
                                    <description><![CDATA[<p>A good attitude will take you FAR</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>A good attitude will take you FAR</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/s7oabp/https_3A_2F_2Fd3ctxlq1ktw2nl_cloudfront_net_2Fstaging_2F2020-02-25_2F6d923e6a1766de59ad87655dad793e0f_vq7yux.mp3" length="2204459" type="audio/mpeg"/>
        <itunes:summary><![CDATA[A good attitude will take you FAR]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>137</itunes:duration>
                                <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog12032415/eac0d41f479ef8a81b918595a3231b7b.jpg" />    </item>
    <item>
        <title>Episode 26 - Sometimes we win.... Sometimes we lose</title>
        <itunes:title>Episode 26 - Sometimes we win.... Sometimes we lose</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/episode-26-sometimes-we-win-sometimes-we-lose/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/episode-26-sometimes-we-win-sometimes-we-lose/#comments</comments>        <pubDate>Thu, 17 Oct 2019 10:21:00 -0400</pubDate>
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                                    <description><![CDATA[<p>We cannot win them all - its ok to lose</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>We cannot win them all - its ok to lose</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/y8o22l/https_3A_2F_2Fd3ctxlq1ktw2nl_cloudfront_net_2Fstaging_2F2020-02-25_2F300a578123c81469e56549727c510608_nm2s5q.mp3" length="2166007" type="audio/mpeg"/>
        <itunes:summary><![CDATA[We cannot win them all - its ok to lose]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>135</itunes:duration>
                                <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog12032415/fd8c1e2d709e35473031a05d49c08ea8.jpg" />    </item>
    <item>
        <title>Episode 25 - How many traveling Opticians do you know? Meet Michael Leff!</title>
        <itunes:title>Episode 25 - How many traveling Opticians do you know? Meet Michael Leff!</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/episode-25-how-many-traveling-opticians-do-you-know-meet-michael-leff/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/episode-25-how-many-traveling-opticians-do-you-know-meet-michael-leff/#comments</comments>        <pubDate>Tue, 24 Sep 2019 10:18:00 -0400</pubDate>
        <guid isPermaLink="false">782eb70e-8266-431e-372c-03c70f8869ce</guid>
                                    <description><![CDATA[<p>This episode is an interview with Michael Leff - a traveling Optician.  One of a kind!</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>This episode is an interview with Michael Leff - a traveling Optician.  One of a kind!</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/2e9se8/https_3A_2F_2Fd3ctxlq1ktw2nl_cloudfront_net_2Fstaging_2F2020-02-19_2F876f470bd1e9206b122079a6c79a5827_nmneeh.mp3" length="8131538" type="audio/mpeg"/>
        <itunes:summary><![CDATA[This episode is an interview with Michael Leff - a traveling Optician.  One of a kind!]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>508</itunes:duration>
                                <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog12032415/0f9607c21027cd4b8e773079313b87a9.jpg" />    </item>
    <item>
        <title>Episode 24 - Interview with Mike Cavanaugh - Cyber Expert - Certified Ethical Hacker</title>
        <itunes:title>Episode 24 - Interview with Mike Cavanaugh - Cyber Expert - Certified Ethical Hacker</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/episode-24-interview-with-mike-cavanaugh-cyber-expert-certified-ethical-hacker/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/episode-24-interview-with-mike-cavanaugh-cyber-expert-certified-ethical-hacker/#comments</comments>        <pubDate>Tue, 17 Sep 2019 12:00:00 -0400</pubDate>
        <guid isPermaLink="false">8684e64e-58c6-3066-b5d0-d39276886455</guid>
                                    <description><![CDATA[<p>This episode speaks of the importance of cyber insurance </p>
]]></description>
                                                            <content:encoded><![CDATA[<p>This episode speaks of the importance of cyber insurance </p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/igjyjf/https_3A_2F_2Fd3ctxlq1ktw2nl_cloudfront_net_2Fstaging_2F2020-02-19_2F50a47608d383a5f69ed24fc7e92513b9_bqvgth.mp3" length="11710105" type="audio/mpeg"/>
        <itunes:summary><![CDATA[This episode speaks of the importance of cyber insurance ]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>731</itunes:duration>
                                <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog12032415/bbe37e08e5fa409fd7a4edd9a9233853.jpg" />    </item>
    <item>
        <title>Episode 21 - Auto Insurance - the guy who hit me does not have auto insurance -- now what?</title>
        <itunes:title>Episode 21 - Auto Insurance - the guy who hit me does not have auto insurance -- now what?</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/episode-21-auto-insurance-the-guy-who-hit-me-does-not-have-auto-insurance-now-what/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/episode-21-auto-insurance-the-guy-who-hit-me-does-not-have-auto-insurance-now-what/#comments</comments>        <pubDate>Mon, 16 Sep 2019 02:00:00 -0400</pubDate>
        <guid isPermaLink="false">5524516b-3aa8-c0a1-452c-0e835de624b0</guid>
                                    <description><![CDATA[<p>This episode speaks about 2 layers of auto insurance that most do not know that they may have.</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>This episode speaks about 2 layers of auto insurance that most do not know that they may have.</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/09zzpw/https_3A_2F_2Fd3ctxlq1ktw2nl_cloudfront_net_2Fstaging_2F2020-02-19_2F4652ad4d5c6bc8743f4c1269dbe4a997_u6wgjk.mp3" length="2131316" type="audio/mpeg"/>
        <itunes:summary><![CDATA[This episode speaks about 2 layers of auto insurance that most do not know that they may have.]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>133</itunes:duration>
        <itunes:season>1</itunes:season>
        <itunes:episode>160</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
        <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog12032415/a11aaaad98a80e654ec8632c413bc9c5.jpg" />    </item>
    <item>
        <title>Episode 23 - I have an idea.... then crash and burn</title>
        <itunes:title>Episode 23 - I have an idea.... then crash and burn</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/episode-23-i-have-an-idea-then-crash-and-burn/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/episode-23-i-have-an-idea-then-crash-and-burn/#comments</comments>        <pubDate>Sat, 14 Sep 2019 12:00:00 -0400</pubDate>
        <guid isPermaLink="false">4290945f-70d0-1272-9e56-4614a745e22f</guid>
                                    <description><![CDATA[<p>This episode speaks about the importance of "following through".   "Following through" is what leads to success. </p>
<p> </p>
<p>
</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>This episode speaks about the importance of "following through".   "Following through" is what leads to success. </p>
<p> </p>
<p><br>
</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/xrgy78/https_3A_2F_2Fd3ctxlq1ktw2nl_cloudfront_net_2Fstaging_2F2020-02-19_2F0da228e592a11cedcf040fa328065a2c_fbmf5i.mp3" length="2367045" type="audio/mpeg"/>
        <itunes:summary><![CDATA[This episode speaks about the importance of "following through".   "Following through" is what leads to success. 
 
]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>147</itunes:duration>
                                <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog12032415/e9bb2326396b35b3405dba6b926f9abc.jpg" />    </item>
    <item>
        <title>Episode 22 - Why should I use you? What makes you different?</title>
        <itunes:title>Episode 22 - Why should I use you? What makes you different?</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/episode-22-why-should-i-use-you-what-makes-you-different/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/episode-22-why-should-i-use-you-what-makes-you-different/#comments</comments>        <pubDate>Sat, 14 Sep 2019 11:58:00 -0400</pubDate>
        <guid isPermaLink="false">b45b37a9-68b2-5427-9c64-54cce3855de9</guid>
                                    <description><![CDATA[<p>Practice, Practice, Practice - we should all do it, no matter what we do professionally</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Practice, Practice, Practice - we should all do it, no matter what we do professionally</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/o2ej0r/https_3A_2F_2Fd3ctxlq1ktw2nl_cloudfront_net_2Fstaging_2F2020-02-19_2Ff92335b4a3b3cab7b74f5d8fd0add4eb_uwcaqa.mp3" length="2194428" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Practice, Practice, Practice - we should all do it, no matter what we do professionally]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>137</itunes:duration>
                                <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog12032415/ef7b1462fa1841b313c7d2b70b528aa4.jpg" />    </item>
    <item>
        <title>Episode 20 - Interview with LinkedIn Keynote Speaker - Julbert Abraham</title>
        <itunes:title>Episode 20 - Interview with LinkedIn Keynote Speaker - Julbert Abraham</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/episode-20-interview-with-linkedin-keynote-speaker-julbert-abraham/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/episode-20-interview-with-linkedin-keynote-speaker-julbert-abraham/#comments</comments>        <pubDate>Mon, 19 Aug 2019 13:57:00 -0400</pubDate>
        <guid isPermaLink="false">050abae4-761d-60ce-7152-ecc6e59e447c</guid>
                                    <description><![CDATA[<p>This episode is an interview with LinkedIn Keynote Speaker - Julbert Abraham</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>This episode is an interview with LinkedIn Keynote Speaker - Julbert Abraham</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/cki5yq/https_3A_2F_2Fd3ctxlq1ktw2nl_cloudfront_net_2Fstaging_2F2020-02-19_2F8ba769185f195a8f0b009bbecb9c65ca_8hh5w6.mp3" length="9697632" type="audio/mpeg"/>
        <itunes:summary><![CDATA[This episode is an interview with LinkedIn Keynote Speaker - Julbert Abraham]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>606</itunes:duration>
                                <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog12032415/63c9e071195a6b40166f0071f8aa1029.jpg" />    </item>
    <item>
        <title>Episode 19 - Experience Rating Costs</title>
        <itunes:title>Episode 19 - Experience Rating Costs</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/episode-19-experience-rating-costs/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/episode-19-experience-rating-costs/#comments</comments>        <pubDate>Sat, 17 Aug 2019 13:33:00 -0400</pubDate>
        <guid isPermaLink="false">763b60c8-aaaf-f0c2-ba3c-bf3a27840b1b</guid>
                                    <description><![CDATA[<p>This episode I will explain what Experience Rating Costs is and how it effects your Workers Compensation Premium </p>
]]></description>
                                                            <content:encoded><![CDATA[<p>This episode I will explain what Experience Rating Costs is and how it effects your Workers Compensation Premium </p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/smtju4/https_3A_2F_2Fd3ctxlq1ktw2nl_cloudfront_net_2Fstaging_2F2020-02-19_2Fcf66c25595c01524c826d94c94a36f2c_egng4d.mp3" length="2521272" type="audio/mpeg"/>
        <itunes:summary><![CDATA[This episode I will explain what Experience Rating Costs is and how it effects your Workers Compensation Premium ]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>157</itunes:duration>
                                <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog12032415/dbbef98a2bed6e4dcd0d809b32a1a4e0.jpg" />    </item>
    <item>
        <title>Episode 18 - Its called net-"work"-ing" for a reason.</title>
        <itunes:title>Episode 18 - Its called net-"work"-ing" for a reason.</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/episode-18-its-called-net-work-ing-for-a-reason/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/episode-18-its-called-net-work-ing-for-a-reason/#comments</comments>        <pubDate>Sat, 17 Aug 2019 13:27:00 -0400</pubDate>
        <guid isPermaLink="false">4895a861-98f8-9ab9-ab0d-ce769aba25a2</guid>
                                    <description><![CDATA[<p>This episode I speak about how to Networking is working, and 3 simple takeaways</p>
<p>
</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>This episode I speak about how to Networking is working, and 3 simple takeaways</p>
<p><br>
</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/uelboy/https_3A_2F_2Fd3ctxlq1ktw2nl_cloudfront_net_2Fstaging_2F2020-02-19_2F86b298e64bebd9856490faaa929fc775_bnkwyw.mp3" length="2343640" type="audio/mpeg"/>
        <itunes:summary><![CDATA[This episode I speak about how to Networking is working, and 3 simple takeaways
]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>146</itunes:duration>
                                <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog12032415/42e76b2852d82b966c7af2f70e2dc769.jpg" />    </item>
    <item>
        <title>Episode 17 - Is the market "Hard" or "Soft"?</title>
        <itunes:title>Episode 17 - Is the market "Hard" or "Soft"?</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/episode-17-is-the-market-hard-or-soft/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/episode-17-is-the-market-hard-or-soft/#comments</comments>        <pubDate>Sat, 17 Aug 2019 13:21:00 -0400</pubDate>
        <guid isPermaLink="false">1f5be8b2-e6a5-364f-6522-f7784fa6e25a</guid>
                                    <description><![CDATA[<p>This episode speaks about what determines the competition in the insurance industry.</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>This episode speaks about what determines the competition in the insurance industry.</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/jai1bx/https_3A_2F_2Fd3ctxlq1ktw2nl_cloudfront_net_2Fstaging_2F2020-02-19_2Fd224b6f046701363f18f6742b63662e5_wfp3d3.mp3" length="2021811" type="audio/mpeg"/>
        <itunes:summary><![CDATA[This episode speaks about what determines the competition in the insurance industry.]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>126</itunes:duration>
                                <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog12032415/7edda039a83b92d079e2e289fe35d5b0.jpg" />    </item>
    <item>
        <title>Episode 16 - Buyer or Sellers Market with Lou Pennacchio</title>
        <itunes:title>Episode 16 - Buyer or Sellers Market with Lou Pennacchio</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/episode-16-buyer-or-sellers-market-with-lou-pennacchio/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/episode-16-buyer-or-sellers-market-with-lou-pennacchio/#comments</comments>        <pubDate>Wed, 24 Jul 2019 16:04:00 -0400</pubDate>
        <guid isPermaLink="false">e181aa21-9321-865e-0681-f842d944b70b</guid>
                                    <description><![CDATA[<p>Interview with KW Realtor Lou Pennacchio explaining buyers and sellers market in detail. </p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Interview with KW Realtor Lou Pennacchio explaining buyers and sellers market in detail. </p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/rf7iil/https_3A_2F_2Fd3ctxlq1ktw2nl_cloudfront_net_2Fstaging_2F2020-02-18_2F49016c60c1aae6ed018d80a2692fa4bd_tg653h.mp3" length="8394017" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Interview with KW Realtor Lou Pennacchio explaining buyers and sellers market in detail. ]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>524</itunes:duration>
                                <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog12032415/e0ab81d88ffcf7a1dd65d8cdd9908078.jpg" />    </item>
    <item>
        <title>Episode 15 - Kudos to Vertafore!</title>
        <itunes:title>Episode 15 - Kudos to Vertafore!</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/episode-15-kudos-to-vertafore/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/episode-15-kudos-to-vertafore/#comments</comments>        <pubDate>Sun, 21 Jul 2019 11:28:00 -0400</pubDate>
        <guid isPermaLink="false">ca21488e-3b17-7d58-2756-c88ba02c0032</guid>
                                    <description><![CDATA[<p>This episode will speak about the computer software and insurance industry - the player for both - Vertafore! </p>
]]></description>
                                                            <content:encoded><![CDATA[<p>This episode will speak about the computer software and insurance industry - the player for both - Vertafore! </p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/jlste5/https_3A_2F_2Fd3ctxlq1ktw2nl_cloudfront_net_2Fstaging_2F2020-02-18_2F3c35b95a527bebfea979627b8dd8f4fe_hsbres.mp3" length="3127313" type="audio/mpeg"/>
        <itunes:summary><![CDATA[This episode will speak about the computer software and insurance industry - the player for both - Vertafore! ]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>195</itunes:duration>
                                <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog12032415/8bac04479a9e70659739ae80200256b7.jpg" />    </item>
    <item>
        <title>Episode 14 - Are you a "quiet" or "music" person?</title>
        <itunes:title>Episode 14 - Are you a "quiet" or "music" person?</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/episode-14-are-you-a-quiet-or-music-person/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/episode-14-are-you-a-quiet-or-music-person/#comments</comments>        <pubDate>Sun, 21 Jul 2019 11:25:00 -0400</pubDate>
        <guid isPermaLink="false">f9a7a956-c54a-a6d4-d38c-04f2439ac236</guid>
                                    <description><![CDATA[<p>This episode discusses your preference when you need to be in the "mode".  Do you like "quiet" or "music"?</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>This episode discusses your preference when you need to be in the "mode".  Do you like "quiet" or "music"?</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/y6e240/https_3A_2F_2Fd3ctxlq1ktw2nl_cloudfront_net_2Fstaging_2F2020-02-18_2F3075114c754ec86235935b681f090ba7_546zs8.mp3" length="2214490" type="audio/mpeg"/>
        <itunes:summary><![CDATA[This episode discusses your preference when you need to be in the "mode".  Do you like "quiet" or "music"?]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>138</itunes:duration>
                                <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog12032415/9342347c48d39afc328109c183d1a66d.jpg" />    </item>
    <item>
        <title>Episode 13 - Are websites ADA compliant?</title>
        <itunes:title>Episode 13 - Are websites ADA compliant?</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/episode-13-are-websites-ada-compliant/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/episode-13-are-websites-ada-compliant/#comments</comments>        <pubDate>Sun, 21 Jul 2019 11:23:00 -0400</pubDate>
        <guid isPermaLink="false">68ac6ebf-bedb-4a7f-e296-77d53f2334c5</guid>
                                    <description><![CDATA[<p>This episode will speak about the importance for websites to be ADA compliant. </p>
]]></description>
                                                            <content:encoded><![CDATA[<p>This episode will speak about the importance for websites to be ADA compliant. </p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/f6u4x1/https_3A_2F_2Fd3ctxlq1ktw2nl_cloudfront_net_2Fstaging_2F2020-02-18_2F8427094af649dd4d6ee8fc7c03c2b872_gge88r.mp3" length="2150125" type="audio/mpeg"/>
        <itunes:summary><![CDATA[This episode will speak about the importance for websites to be ADA compliant. ]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>134</itunes:duration>
                                <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog12032415/24b7eef9987b34d968b7443bfe25aad8.jpg" />    </item>
    <item>
        <title>Episode 12 - Why Driving Records are important</title>
        <itunes:title>Episode 12 - Why Driving Records are important</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/episode-12-why-driving-records-are-important/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/episode-12-why-driving-records-are-important/#comments</comments>        <pubDate>Sat, 22 Jun 2019 13:08:00 -0400</pubDate>
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                                    <description><![CDATA[<p>This episode will speak about why we run driver MVRs ( motor vehicle reports) </p>
<p>
</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>This episode will speak about why we run driver MVRs ( motor vehicle reports) </p>
<p><br>
</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/8n6zm9/https_3A_2F_2Fd3ctxlq1ktw2nl_cloudfront_net_2Fstaging_2F2020-02-17_2Fb818c9f66bba568f2e8666fdbebc03c0_rjvp4y.mp3" length="1774379" type="audio/mpeg"/>
        <itunes:summary><![CDATA[This episode will speak about why we run driver MVRs ( motor vehicle reports) 
]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>110</itunes:duration>
                                <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog12032415/d37995a5af308de51c1d43bfe8ec17a5.jpg" />    </item>
    <item>
        <title>Episode 10 - What the heck are loss runs?</title>
        <itunes:title>Episode 10 - What the heck are loss runs?</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/episode-10-what-the-heck-are-loss-runs/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/episode-10-what-the-heck-are-loss-runs/#comments</comments>        <pubDate>Sat, 22 Jun 2019 13:06:00 -0400</pubDate>
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                                    <description><![CDATA[<p>This episode will explain what "loss runs" are.  </p>
]]></description>
                                                            <content:encoded><![CDATA[<p>This episode will explain what "loss runs" are.  </p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/qjdchc/https_3A_2F_2Fd3ctxlq1ktw2nl_cloudfront_net_2Fstaging_2F2020-02-17_2Fd8da9c6a63c87cbb1c53fda65bcd64d1_kptnh5.mp3" length="1819101" type="audio/mpeg"/>
        <itunes:summary><![CDATA[This episode will explain what "loss runs" are.  ]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>113</itunes:duration>
                                <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog12032415/68dc07f82a3113a491d0a634c882679e.jpg" />    </item>
    <item>
        <title>Episode 11 - Employment in the Cannabis Industry</title>
        <itunes:title>Episode 11 - Employment in the Cannabis Industry</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/episode-11-employment-in-the-cannabis-industry/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/episode-11-employment-in-the-cannabis-industry/#comments</comments>        <pubDate>Sat, 08 Jun 2019 12:05:00 -0400</pubDate>
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                                    <description><![CDATA[<p>Podcast with Mike Waranch and Alex Trakhtman of Seed Staffing discussing the employment opportunities in the cannabis industry.</p>
<p>
</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Podcast with Mike Waranch and Alex Trakhtman of Seed Staffing discussing the employment opportunities in the cannabis industry.</p>
<p><br>
</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/l9po0j/https_3A_2F_2Fd3ctxlq1ktw2nl_cloudfront_net_2Fstaging_2F2020-02-17_2Fb7a95708897ff4f25b199fa8ea6027fb_2vdzsf.mp3" length="10147356" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Podcast with Mike Waranch and Alex Trakhtman of Seed Staffing discussing the employment opportunities in the cannabis industry.
]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>634</itunes:duration>
                                <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog12032415/e414f631ea6386d1541f1ca46173c572.jpg" />    </item>
    <item>
        <title>Episode 9 - Linkedin Connection - Getting to know Sid</title>
        <itunes:title>Episode 9 - Linkedin Connection - Getting to know Sid</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/episode-9-linkedin-connection-getting-to-know-sid/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/episode-9-linkedin-connection-getting-to-know-sid/#comments</comments>        <pubDate>Sat, 08 Jun 2019 12:02:00 -0400</pubDate>
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                                    <description><![CDATA[<p>Sid and I met on Linkedin.    During this podcast we are getting to know each other during our first meeting together </p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Sid and I met on Linkedin.    During this podcast we are getting to know each other during our first meeting together </p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/lv07z4/https_3A_2F_2Fd3ctxlq1ktw2nl_cloudfront_net_2Fstaging_2F2020-02-17_2Fe354a35e2c01cb5bd4ba96d643116f39_h6gtqv.mp3" length="8052962" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Sid and I met on Linkedin.    During this podcast we are getting to know each other during our first meeting together ]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>503</itunes:duration>
                                <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog12032415/f92444867e27edaac34a48bd71e03bd3.jpg" />    </item>
    <item>
        <title>Episode 8 - But I don't wanna Plan and Organize</title>
        <itunes:title>Episode 8 - But I don't wanna Plan and Organize</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/episode-8-but-i-dont-wanna-plan-and-organize/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/episode-8-but-i-dont-wanna-plan-and-organize/#comments</comments>        <pubDate>Sun, 26 May 2019 12:35:00 -0400</pubDate>
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                                    <description><![CDATA[<p>This episode I will speak about my thoughts about planning and being organized</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>This episode I will speak about my thoughts about planning and being organized</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/ockgq2/https_3A_2F_2Fd3ctxlq1ktw2nl_cloudfront_net_2Fstaging_2F2020-02-16_2F770790267b2eaf93788000349fafaf2a_9kisds.mp3" length="4216933" type="audio/mpeg"/>
        <itunes:summary><![CDATA[This episode I will speak about my thoughts about planning and being organized]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>263</itunes:duration>
                                <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog12032415/0fcaa7da2629f7c2d541e49f3896ffa0.jpg" />    </item>
    <item>
        <title>Episode 7 - What do you mean the market is "blocked"?</title>
        <itunes:title>Episode 7 - What do you mean the market is "blocked"?</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/episode-7-what-do-you-mean-the-market-is-blocked/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/episode-7-what-do-you-mean-the-market-is-blocked/#comments</comments>        <pubDate>Sun, 26 May 2019 12:34:00 -0400</pubDate>
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                                    <description><![CDATA[<p>This episode I will explain what it means when a broker is "blocked" from the market</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>This episode I will explain what it means when a broker is "blocked" from the market</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/htg7h7/https_3A_2F_2Fd3ctxlq1ktw2nl_cloudfront_net_2Fstaging_2F2020-02-16_2F5ab2b411dbcd4feed6b91421610b1a4a_cf888v.mp3" length="2630778" type="audio/mpeg"/>
        <itunes:summary><![CDATA[This episode I will explain what it means when a broker is "blocked" from the market]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>164</itunes:duration>
                                <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog12032415/f38860a981bca7a5811d5f3fa08f8a28.jpg" />    </item>
    <item>
        <title>Episode 6 - Got Rope? Identity Theft</title>
        <itunes:title>Episode 6 - Got Rope? Identity Theft</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/episode-6-got-rope-identity-theft/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/episode-6-got-rope-identity-theft/#comments</comments>        <pubDate>Sun, 26 May 2019 12:31:00 -0400</pubDate>
        <guid isPermaLink="false">2bcca32f-5c4f-c62a-b01b-7426b2f88463</guid>
                                    <description><![CDATA[<p>This episode will speak about my personal experience with Identity Theft</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>This episode will speak about my personal experience with Identity Theft</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/1ybrzj/https_3A_2F_2Fd3ctxlq1ktw2nl_cloudfront_net_2Fstaging_2F2020-02-16_2Fa5940e7f7e560a84989f72f789dbf559_mffssu.mp3" length="2419708" type="audio/mpeg"/>
        <itunes:summary><![CDATA[This episode will speak about my personal experience with Identity Theft]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>151</itunes:duration>
                                <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog12032415/d6f7c86186bfd824808f30a469b22262.jpg" />    </item>
    <item>
        <title>Episode 5 - Why the price swing between insurance companies?</title>
        <itunes:title>Episode 5 - Why the price swing between insurance companies?</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/episode-5-why-the-price-swing-between-insurance-companies/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/episode-5-why-the-price-swing-between-insurance-companies/#comments</comments>        <pubDate>Wed, 15 May 2019 07:42:00 -0400</pubDate>
        <guid isPermaLink="false">6c2b3c67-a58d-7137-9685-0605d638a97f</guid>
                                    <description><![CDATA[<p>This episode will speak about one of the many reasons there is a price swing amongst insurance companies. </p>
]]></description>
                                                            <content:encoded><![CDATA[<p>This episode will speak about one of the many reasons there is a price swing amongst insurance companies. </p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/ru8zeb/https_3A_2F_2Fd3ctxlq1ktw2nl_cloudfront_net_2Fstaging_2F2020-02-16_2F072c94c7e9b40846b6fb042cea3c0f74_wpwhdb.mp3" length="2999418" type="audio/mpeg"/>
        <itunes:summary><![CDATA[This episode will speak about one of the many reasons there is a price swing amongst insurance companies. ]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>187</itunes:duration>
                                <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog12032415/8a794fb5101e768e61b55729bc12f0f2.jpg" />    </item>
    <item>
        <title>Episode 4 - EPLI coverage with Charlie Sturm</title>
        <itunes:title>Episode 4 - EPLI coverage with Charlie Sturm</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/episode-4-epli-coverage-with-charlie-sturm/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/episode-4-epli-coverage-with-charlie-sturm/#comments</comments>        <pubDate>Wed, 15 May 2019 07:39:00 -0400</pubDate>
        <guid isPermaLink="false">fc35e8c9-37fa-6d14-ad2f-171d7c2b1934</guid>
                                    <description><![CDATA[<p>This episode will include EPLI discussions with Charlie Sturm,  a management liability broker I work with. </p>
]]></description>
                                                            <content:encoded><![CDATA[<p>This episode will include EPLI discussions with Charlie Sturm,  a management liability broker I work with. </p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/y4z2ib/https_3A_2F_2Fd3ctxlq1ktw2nl_cloudfront_net_2Fstaging_2F2020-02-16_2F207985ceaf1dfe8b51a95534fae6c2af_eaznzk.mp3" length="9948825" type="audio/mpeg"/>
        <itunes:summary><![CDATA[This episode will include EPLI discussions with Charlie Sturm,  a management liability broker I work with. ]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>621</itunes:duration>
                                <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog12032415/32748299a0f0d3ea832da5b07fbc162c.jpg" />    </item>
    <item>
        <title>Episode 3 - The involvement of quoting a risk</title>
        <itunes:title>Episode 3 - The involvement of quoting a risk</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/episode-3-the-involvement-of-quoting-a-risk/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/episode-3-the-involvement-of-quoting-a-risk/#comments</comments>        <pubDate>Wed, 15 May 2019 07:19:00 -0400</pubDate>
        <guid isPermaLink="false">1bba7de3-f364-cb4b-20a9-cc10d9d6d850</guid>
                                    <description><![CDATA[<p>Often I get calls, why can't you just give me a quote?, why do you need all of this information?.  This episode speaks about the involvement of quoting a risk. </p>
<p>
</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Often I get calls, why can't you just give me a quote?, why do you need all of this information?.  This episode speaks about the involvement of quoting a risk. </p>
<p><br>
</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/vn2mp6/https_3A_2F_2Fd3ctxlq1ktw2nl_cloudfront_net_2Fstaging_2F2020-02-16_2Fd9bdba42ecbaa197a836ec4df6ce3945_niztzi.mp3" length="3251029" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Often I get calls, why can't you just give me a quote?, why do you need all of this information?.  This episode speaks about the involvement of quoting a risk. 
]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>203</itunes:duration>
                                <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog12032415/ba3dba120bf1cab89c6971d81dc56274.jpg" />    </item>
    <item>
        <title>Episode 2 - Contractors are stuck......</title>
        <itunes:title>Episode 2 - Contractors are stuck......</itunes:title>
        <link>https://karenadamsbaum.podbean.com/e/episode-2-contractors-are-stuck/</link>
                    <comments>https://karenadamsbaum.podbean.com/e/episode-2-contractors-are-stuck/#comments</comments>        <pubDate>Thu, 02 May 2019 16:49:00 -0400</pubDate>
        <guid isPermaLink="false">012c7d0d-2499-f1cf-67f3-192cd97b3ff7</guid>
                                    <description><![CDATA[<p>NJ Contractors are in a tough spot, they are damned if they do not get Workers Compensation coverage, and damned if they do........</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>NJ Contractors are in a tough spot, they are damned if they do not get Workers Compensation coverage, and damned if they do........</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/w4oewi/https_3A_2F_2Fd3ctxlq1ktw2nl_cloudfront_net_2Fstaging_2F2020-02-16_2F05e9849109dcd76873063990e292de1d_hv4ps9.mp3" length="3050409" type="audio/mpeg"/>
        <itunes:summary><![CDATA[NJ Contractors are in a tough spot, they are damned if they do not get Workers Compensation coverage, and damned if they do........]]></itunes:summary>
        <itunes:author>Karen Adamsbaum</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>190</itunes:duration>
        <itunes:season>1</itunes:season>
        <itunes:episode>179</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
        <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog12032415/121047da8384ef1de7f74e53e134338f.jpg" />    </item>
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