Podcasts about Freedom

The "Apostate Prophet" Ridvan Aydemir joins the show to break down the doctrine of Muslim supremacy, and how Islam sees itself as a conquering ideology that will inevitably control all aspects of global life — which it will achieve through deception, mass immigration, and finally by overt colonization. Texas Lieutenant Governor Dan Patrick announces a major donation to support TPUSA's Club America efforts, and talks about the all-important struggle to keep Texas as a red state. Watch every episode ad-free on members.charliekirk.com! Get new merch at charliekirkstore.com!Support the show: http://www.charliekirk.com/supportSee omnystudio.com/listener for privacy information.

1. Entertainment as National Security American film and television are portrayed as a strategic asset that shapes global perceptions of freedom, democracy, and U.S. values. Weakening U.S. media companies allow authoritarian nations, particularly China, to fill the cultural vacuum with propaganda. 2. China as the Primary Adversary China is repeatedly the main threat due to: State control over media Global investment in influence campaigns Censorship of American films (e.g., Top Gun: Maverick being blocked over a Taiwan patch). TikTok is an example of why foreign ownership of media platforms is viewed as dangerous. 3. Merger Framed as Pro‑American Jobs The entertainment industry is supporting hundreds of thousands of middle‑class American jobs across multiple states. Netflix’s $1 billion New Jersey studio investment is used as evidence that large, stable companies create domestic employment. The argument asserts that scale = stability, and stability prevents layoffs. 4. Pro‑Consolidation Argument Unlike traditional antitrust concerns, the author claims this merger: Does not reduce competition Actually protects U.S. production from outsourcing Helps resist foreign-backed acquisitions Consolidation is defensive, not monopolistic. 5. Opposition to Foreign Capital in Media Strong concern is raised over foreign government money (Saudi Arabia, Abu Dhabi, Qatar) potentially entering U.S. media. Such investments are not neutral and are intended to influence narratives and public opinion. 6. Historical Framing Ronald Reagan is cited: Culture and storytelling were weapons in the Cold War Media independence is essential to freedom The merger is consistent with Reagan-era American leadership principles. 7. Call to Action Share the op-ed Contact lawmakers Support the merger publicly Please Hit Subscribe to this podcast Right Now. Also Please Subscribe to the The Ben Ferguson Show Podcast and Verdict with Ted Cruz Wherever You get You're Podcasts. And don't forget to follow the show on Social Media so you never miss a moment! Thanks for Listening X: https://x.com/benfergusonshowYouTube: https://www.youtube.com/@VerdictwithTedCruzSee omnystudio.com/listener for privacy information.

On Monday's Mark Levin Show, the Democrat Party is willing to shut down the government primarily to cripple ICE, preventing the deportation of illegal aliens, including criminals. Democrats hate hardworking American citizens and seek to gain political power by allowing illegal aliens to influence elections. Democrats' opposition to the SAVE Act exists because they want illegal immigrants to vote and cheat in elections. House Republicans must insist on including voter ID requirements in the funding legislation, let Democrats cause a shutdown if necessary, and fight the battle publicly. Also, the media headlines say that Alex Pretti's death was ruled a homicide by the coroner. Most of the media outlets are not explaining that this only means a person or persons caused the death of another, not that a crime was committed. It is not death by accident, suicide, etc. An investigation of his death is underway. Later, Iran is an Islamist terrorist regime slaughtering its own people by the tens of thousands while pursuing nuclear capabilities and long-range missiles. Negotiations or deals are doomed to fail, just like it did with North Korea, where past agreements and subsidies failed miserably. Iran is currently at its weakest—economically devastated and militarily vulnerable—with no need for ground troops to decisively strike its nuclear program.  Learn more about your ad choices. Visit podcastchoices.com/adchoices

This week on The Broski Report, Fearless Leader Brittany Broski (finally) reacts to Heated Rival, reviews fidget toys, and discusses what's in her travel bag.ICE OUT OF OUR CITY / PROTEST RESOURCES:Script to Contact Your Representatives –  5calls.org ACLU – https://www.aclu.org/know-your-rights/protesters-rights Immigrant Defense Project – https://www.immigrantdefenseproject.org/raids-toolkit Freedom for Immigrants – https://www.freedomforimmigrants.org/resourcesImmigrants Legal Resource Center – https://www.ilrc.org/community-resources/know-your-rights Immigration Justice Campaign – https://immigrationjustice.us/ National Immigrant Justice Center – https://immigrantjustice.org/ MINNESOTA SPECIFIC RESOURCES:Stand With Minnesota Vetted Resource Hub – https://www.standwithminnesota.com/ MPLS Mutual Aid – https://linktr.ee/mplsmutualaid Immigrant Law Center of Minnesota – https://www.ilcm.org/ International Institute of Minnesota – https://iimn.org/ ICE OUT / Mutual Aid – https://linktr.ee/ICEOUTmutualaid  Watch The Broski Report AD FREE: https://patreon.com/broskireport The OFFICIAL Songs of The Week Playlist: https://open.spotify.com/playlist/3ULrcEqO2JafGZPeonyuje?si=061c5c0dd4664f01 

On this special edition of The Federalist Radio Hour, Federalist Elections Correspondent Brianna Lyman joins Federalist Staff Editor Hayden Daniel to reflect on the people and stories that shaped the American Revolution and discuss how Americans can best celebrate the 250th anniversary of the nation's founding. The Federalist Foundation is a nonprofit, and we depend entirely on our listeners and readers — not corporations. If you value fearless, independent journalism, please consider a tax-deductible gift today at TheFederalist.com/donate. Your support keeps us going.

What if “I deserve a drink” is just an old script you can rewrite? In today's episode, Coach Cole helps Matt notice how removing alcohol lowered his baseline stress at a new job—turning frantic mornings into steady ones and replacing dread with data. Coach Zoe supports Constance, a second-grade teacher whose activated nervous system kept her in fight-or-flight; together they connect the dots from childhood patterns to present-day overwhelm and practice coming back to the body for safety. You'll hear the role of community, self-trust, and daily practices to stay alcohol-free—from 6 a.m. calls to simple breathwork—to make change sustainable. Powerful, shame-free coaching like this happens every day inside The Path, where small experiments add up to big shifts—at work, at home, and in who you believe you can be. In Matt's Session: Managing work-related stress and anxiety without resorting to self-medication Alcohol-free benefits: showing up clearheaded and reducing work stress Building self-trust by seeing the evidence of a better life Overcoming the "I deserve a drink" mentality after a stressful day Differences between AA and The Path Recognizing the ingrained, Pavlovian nature of drinking urges and how to decondition them Daily practices to stay alcohol-free and more In Constance's Session: Coping with a constantly activated nervous system Using alcohol as a "safety valve" to "emotionally shut down" and stop playing a role Connecting current emotional regulation issues to childhood experiences Moving from external focus (saving others) to internal focus (regulating her own body) Learning tools for nervous system regulation and grounding Understanding the importance of finding a "safety container" within herself to process emotions The value of incorporating daily practices to stay alcohol-free and more Cole Harvey is a certified Naked Mind Senior Coach. For years, he felt lost and used alcohol as a way to cope, until he decided to go alcohol-free and focus on finding his purpose. Through curiosity, self-compassion, and adventure, he transformed his life. As a habit change and mindset coach, Cole helps young men understand themselves, build better habits, and find meaning. Learn more about Coach Cole: https://thisnakedmind.com/coach/cole-harvey/ Zoe Ewart is a Certified Naked Mind Senior Coach who brings her experience and understanding to help with the tricky parts of life's big changes. Her coaching gives you an enjoyable, light-hearted, and safe environment to effortlessly take back control of alcohol so you can feel better physically, mentally, and spiritually. Zoe taught Pilates for 15 years. She has four adult children and more animals than the Ark ever had. Learn more about Coach Zoe: https://thisnakedmind.com/coach/zoe-ewart/ Episode links: nakedmindpath.com Related Episodes: Escaping The Hamster Wheel of Drinking – Alcohol Freedom Coaching – E847 – https://thisnakedmind.com/why-cant-i-quit-drinking-after-so-many-tries-afc-e847/ Will I ever stop craving alcohol? – Reader Questions – E676 – https://thisnakedmind.com/ep-676-readers-question-will-i-ever-stop-craving-alcohol/ Trusting Yourself Again – Alcohol Freedom Coaching – E760 – https://thisnakedmind.com/trusting-yourself-again-alcohol-freedom-coaching-e760/ Ready to take the next step on your journey?  Visit https://learn.thisnakedmind.com/podcast-resources for free resources, programs, and more. Until next week, stay curious! Hungryroot: Get 40% off your first box + a free item for life at ⁠⁠Hungryroot.com/nakedmind⁠⁠ with code nakedmind Shopify:Sign up for your one-dollar-per-month trial and start selling today at ⁠⁠Shopify.com/mind⁠⁠  Quince:Go to ⁠⁠Quince.com/naked⁠⁠ for free shipping on your order and 365-day returns  BetterHelp:BetterHelp makes it easy to get matched online with a qualified therapist. Sign up and get 10% off at BetterHelp.com/nakedmind

Property expert and investment strategist Ravi Sharma joins James Smith to reveal the problem with the global housing market. This is no longer just a hurdle for first time buyers; it is a systemic time bomb that is stripping away financial agency and threatening the future of social mobility. The quiet crisis of skyrocketing prices is not an accident of the market, but the result of a rigged system that prioritizes corporate incentives over human survival. Ravi Sharma's YouTube Channel: https://www.youtube.com/c/PersonalFinancewithRaviSharma We cover: ⬛ Why Housing Affordability is a Global Crisis ⬛ Property, Pensions and the Rigged System ⬛ The Truth About Mortgages and Wealth Building ⬛ Renting for Freedom vs Buying for Status

On December 21, 2025, activist and trailblazer Betty Reid Soskin passed away in Richmond, California. She was 104. Over the years we've chronicled Betty's remarkable story and want to share it today in honor of Betty and Black History Month.In 2011, at age 89, Betty became America's oldest national park service ranger, a position she held until she retired at 100. Her bold and forthright tours and talks at the Rosie the Riveter WWII Home Front Museum were legendary. As a Black woman who worked in the segregated war effort, she spoke from her personal experience revealing a fuller, richer understanding of the World War II years experienced by women and people of color on the home front.Betty's Creole/Cajun family was from New Orleans and her great grandmother had been born into slavery in 1846. Displaced by the Great Mississippi Flood of 1927, Betty moved with her family to Oakland, where she grew up in the late 20s and 30s. During WWII she worked as a file clerk for Boilermakers Union A-36, a Jim Crow all Black union auxiliary, where she witnessed firsthand the discrimination faced by Black workers in the wartime industry.Betty raised four children in the highly segregated Diablo Valley area where the family was subject to death threats. She and her first husband, Mel Reid, owned one of the first Black record shops west of the Mississippi located in Berkeley. She also worked as a Field Representative for California State Assembly women Dion Aroner and Lonnie Hancock. In 2016, at age 94, Betty survived a violent home invasion and returned to work at the Rosie the Riveter Museum just weeks later.A singer, songwriter, poet and musician, Betty chronicled her life and work in a memoir, "Sign My Name to Freedom," which inspired both a stage play and a documentary film. Betty received numerous awards and honors throughout her life, including a presidential coin from Barack Obama in 2015 after she lit the national Christmas tree at the White House.Special thanks to: The San Francisco Public Library and Shawna Sherman of the African American Center of the San Francisco Main Library; This is Love Podcast and creators Phoebe Judge and Lauren Spohrer; and A Lifetime of Being Betty, a Little Village Foundation recording release produced by Mike Kappus. Thanks also to Betty's son, musician and songwriter Bob Reid  http://www.bobreidmusic.com/The Kitchen Sisters Present is produced by The Kitchen Sisters (Nikki Silva & Davia Nelson) with Nathan Dalton and Brandi Howell. We are part of the Radiotopia network from PRX.

NEWLY RELEASED Epstein pages; Nick dives in and analyzes the involvement of high-profile figures such as Elon Musk, Bill Clinton, and Prince Andrew while questioning why many continued their associations with Epstein following his 2008 conviction. SPONSOR: BRUNT WorkwearYou work too hard to be stuck in uncomfortable boots that don't hold up. BRUNT built something better – boots that are insanely comfortable and built for any jobsite. BRUNT isn't just about work boots, they offer a full range of high-performance gear built for tough jobs to keep you protected and productive in any condition.Get $10 off with code NICK at: https://www.bruntworkwear.com/NICK-----SPONSOR: Young America's FoundationJoin me in Nashville on February 6th for the Freedom at 250 Rally. This rally is part of YAF's nationwide Freedom at 250 tour commemorating America's 250th birthday, inspiring the next generation with the principles of freedom, and preparing young Americans to lead in media, culture, law, government, and beyond.Use the discount code NICK for 50% off your registration: YAF250.com-----GET YOUR MERCH HERE: https://shop.nickjfreitas.com/BECOME A MEMBER OF THE IC: https://NickJFreitas.comInstagram: www.instagram.com/nickjfreitas/Facebook: https://www.facebook.com/NickFreitasVATwitter: https://twitter.com/NickJFreitasYouTube: https://www.youtube.com/@NickjfreitasTikTok: https://www.tiktok.com/@nickfreitas3.000:00:00 - Intro and thanks to those who invest in us. 00:01:19 - Intelligence analysis and why your sources matter.00:03:51 - Understanding the ethics and morality of modern intelligence gathering operations. 00:06:52 - Exploring the official government database for the Epstein file transparency. 00:08:24 - The problem with redactions and protecting the privacy of victims. 00:11:16 - Analyzing the high profile names mentioned in the Epstein documents. 00:13:07 - Pre vs post conviction: when relationships become suspicious00:20:10 - Investigating Donald Trump's relationship and falling out with Jeffrey Epstein. 00:23:06 - Evaluating the reliability of FBI sources and character assassination attempts. 00:34:05 - Why Epstein received a plea deal that nobody else would. 00:41:20 - Thomas Massie's fight to release the full Epstein file disclosures. 00:43:52 - Addressing the alarming scale of sexual deviancy in our society. 00:51:03 - Why we need mandatory minimums and tougher laws for offenders. 00:58:20 - Join the Making The Argument community for more exclusive content.

Click here to take a look at Rainey's shirt! --------Thank you for listening! Your support of Joni and Friends helps make this show possible. Joni and Friends envisions a world where every person with a disability finds hope, dignity, and their place in the body of Christ. Become part of the global movement today at www.joniandfriends.org. Find more encouragement on Instagram, TikTok, Facebook, and YouTube.

Are the AIs plotting against us? :: Is YouTube already controlled by AI? :: Being nice to AI so it's nice to us :: Peter Thiel anagram is The Reptile :: Guy took all his texts with dead fiancé and put it into AI to pretend AI was her :: Postmodernism and subjective vs objective reality :: Hillary Clinton so disliked that she has to limit comments on her social media :: Bureaucrats admit to making regulations too hard to follow so they can go after you :: Cops are not above just killing you if you don't comply :: Each side thinks they're the counter culture of the other :: Divide and conquer over and over again :: Journalists running cover for Epstein :: Residents leaving New Mexico :: Venezuelan soldiers say the US hit them with energy weapons that made their eyes and ears bleed :: TSA fining people $50 :: 2026-01-31 :: Bonnie, Riley, Angelo

Hawaii's 9th circuit approved gun ban is impossible to follow :: New idea to limit government's gun grabbing- only if it was implemented in the 1790's :: NH red flag laws hidden in the restraining order statutes :: Bonnie's story that ended in a restraining order :: The judge ordered Bonnie gets a stranger's pets :: Dave Ridley's new call series on NH freedom movement OG activism :: Derrick J's Victimless Crime Spree ::Important to support activists you agree with :: The US developing weapons that may be illegal in international law :: How is Venezuela doing now? :: Turd is disappointed by Silent Hill 2 :: US capitol police claim jurisdiction outside of DC :: Are pensions communist? :: Hidden taxes :: The government union busting :: Social security is a pyramid scheme :: The UK age verifying VPNs 2026-02-01 :: Bonnie, Mr.Penguin, Angelo

How To Avoid Winter Sickness When there is snow on the ground, a chill in the air, sniffles all around — it's winter somewhere! Sickness seems inevitable this time of year, but it does not have to be. There are simple ways to prevent, treat and identify symptoms of illness early and avoid hospital visits or medication. Pediatricians Paul Thomas, M.D. (retired) and Larry Palevsky, M.D. have extensive experience equipping families with tips and tricks to promote health over the seasons. In this program, they share some of these pointers to help viewers, like you, stay safe out there! Watch it on CHD.TV.

The post Hey, Adam, where art thou? appeared first on Key Life.

In this episode, Dr. Peter Kim talks to the version of you that's tired of always being needed and rarely feeling free. He names the quiet frustrations physicians carry, the ones that don't show up on paper but slowly take away your time, energy, and choice. He brings back a conversation about what freedom actually looks like for physicians who want to feel present, in control, and aligned again. If you've ever felt exhausted, boxed in, or wondered when your life started feeling this heavy, this episode will resonate deeply. Tune in. Joining PIMDCON 2026? Click here to reserve your seat! Are you looking for a community to encourage you as you begin, or want to accelerate your business to the next level? Then join thousands of physicians who share the same journey of creating their ideal lives through multiple streams of income by joining us in our Facebook communities such as Passive Income Docs and Passive Income MD.

In this episode of What the Prophets Say, Louise Reid takes the hot seat and is joined by Ali McFarlane (GPA Worship leader) and Jonah Wilson for a powerful conversation about a prophet's “life message.”Ali shares what she carries in the spirit: childlike freedom that breaks religious heaviness, a doorway into encounter, and a breaker anointing that refuses to let shame keep God's people bound. She also opens up about her raw story of redemption, including the loss of her father at 19, the season she walked away from God, and the moment Jesus redeemed the darkest parts of her story into salvation and future.You'll hear:Why miracles get blocked when we only worship one “portion” of JesusHow Ali writes worship that becomes a doorway to encounter (“Eyes Like Fire”)The difference between transparency and vulnerabilityHow God turns pain, shame, and ashes into beauty and authorityIf you want worship that carries lived encounter, search GPA Worship or Ali McFarlane on Spotify/Apple/YouTube. And for more content, download the PowerTV app at PowerTV.app.

It's time to build your family's future on a foundation of true health and freedom. Join us at Future Foundations—because your future generations deserve the best start to the mission that will outlive us… Check it out here. Use code FREEDOM25 for 25% off!    Whether you're looking for tinctures, topicals or teas or a deeper connection to your INNATE healing capacity, Noble Task Homestead is here to serve you. Join the movement. Visit NobleTaskHomestead.com/noblestan today and enjoy a 10% discount on your order.   San Diego area residents, take advantage of our special New Patient offer exclusively for podcast listeners here. We can't wait to experience miracles with you!   Welcome to a new episode of the Future Generations Podcast. In this episode, Dr. Stanton Hom sits down with Zack Ponder, father, advocate, and host of The Unspecial Podcast, for a powerful conversation about healing, medical freedom, and the role parents were never meant to surrender. Together, they explore why questioning the system is not anti-medicine, how fear-based control has replaced true health care, and why the nervous system sits at the center of childhood chronic illness. This episode is a reminder that healing doesn't come from compliance. It comes from awareness, partnership, and trusting the wisdom built into the body and the family.   Highlights: "Healing doesn't happen where obedience is demanded."   "Every symptom is the body's strategy to heal."   "Our kids aren't broken. Their nervous systems are overwhelmed."   "This isn't about rejecting medicine. It's about rejecting fear-based control."   Timestamps:   00:00 – Introduction 01:42 – If Questioning Medicine Makes You Dangerous… 03:28 – From Trauma to Miracles for Our Kids 07:23 – Jack 2.0: The Perfect Storm Kid Transforms 09:09 – Are We Raising Healthier Kids—or Just Shackled Ones? 11:12 – Has Medicine Confused Obedience with Success? 15:35 – Healing vs Curing: The Body's Own Strategy 21:23 – Three Root Causes: Toxins, Deficiencies, Trauma 26:28 – Fight-or-Flight, Modern Stress, and Our Kids 49:18 – Who Takes Care of Mom? Resources:   Remember to Rate, Review, and Subscribe on iTunes and Follow us on Spotify!   Learn more about Dr. Stanton Hom on:   Instagram: https://www.instagram.com/drstantonhom    Website: https://futuregenerationssd.com/  Podcast Website: https://thefuturegen.com  Twitter: https://twitter.com/drstantonhom   LinkedIn: https://www.linkedin.com/in/stanhomdc   Stay Connected with the Future Generations Podcast:   Instagram:  https://www.instagram.com/futuregenpodcast   Facebook: https://www.facebook.com/futuregenpodcast/   About Zack Ponder Zack Ponder brings a wealth of experience in Special Education. He founded UNspecial after years of teaching in Special Ed and realizing that the standardized and one size fits all educational model for this particular learning style just did not work in the classroom.  Adjusting our teaching approach is what makes the difference in the lives of someone special. It's truly about treating them as normal rather than special - ergo UNspecial. The desire to go off grid and have the ability to grow your own food has never been stronger than before. No matter the size of your property, Food Forest Abundance can help you design a regenerative layout that utilizes your resources in the most synergistic and sustainable manner. If you are interested in breaking free from the system, please visit www.foodforestabundance.com and use code "thefuturegen" to receive a discount on their incredible services.   Show your eyes some love with a pair of daylight or sunset (or both!) blue-light blocking glasses from Ra Optics. They have graciously offered Future Generations podcast listeners 10% off any purchase. Use code FGPOD or click here to access this discount, and let us know how your glasses are treating you!   One of the single best companies whose clean products have supported the optimal wellness of our family is Earthley Wellness. Long before there was a 2020, Kate Tetje and her team have stood for TRUTH, HEALTH and FREEDOM in ways that paved the way for so many of us. In collaboration with this incredible team, we are proud to offer you 10% off of your first purchase by shopping here.   Are you concerned about food supply insecurity? Our family has rigorously sourced our foods for over a decade and one of our favorite sources is Farm Match and specifically for San Diego locals, "Real Food Club PMA". My kids are literally made from their maple breakfast sausage and the amazing carnitas we make from their pasture raised pork. We are thrilled to share 10% off your first order when you shop at this link.   Another important way to bolster food security is by supporting local ranchers. Our favorite local regenerative ranch is Perennial Pastures. They have the best nutrient-dense meats that are 100% grass-fed and pasture-raised. 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A stunning escalation in the global war on free speech. ⚠️ French authorities, Europol, and cybercrime units are now investigating leadership tied to X (formerly Twitter)—alleging everything from algorithm manipulation to complicity in illegal content. But is this really about crime… or censorship? This episode breaks down why critics say the investigation has nothing to do with protecting children—and everything to do with silencing dissent, controlling algorithms, and punishing platforms that refuse to censor political speech. From the EU's Digital Services Act (DSA) to threats of massive fines, extradition fears, and the targeting of Elon Musk himself, this may be the most serious threat to global free speech yet.

Mayhar Tousi joins me for an interview direct from London Protests for Freedom in Iran. He explains what is happening inside Iran, considers if help from outside will come and if it is needed to throw off the regime of the Mullahs. PODCAST INFO:Podcast website: https://yishaifleisher.com/podcastYouTube: https://www.youtube.com/c/YishaiFleisherTVSUPPORT & CONNECT:Buy Me a Coffee: https://buymeacoffee.com/yishaiFight4Israel: https://fight4israel.givecloud.coTwitter: https://twitter.com/YishaiFleisherLinkedIn: https://www.linkedin.com/in/yishaifleisherFacebook: https://www.facebook.com/YishaiFleisher  Support the show

How do societies decide which stories to tell about themselves and which truths to soften or ignore? In this episode, historian, communications strategist, and Freedom Over Fascism host Dr. Stephanie Wilson joins Corey Nathan to discuss collective memory, historical narrative, and the language shaping American civic life right now. Drawing on her academic work on Jerusalem, her experience in political communications, and her current focus on democracy and messaging, Stephanie explores how myths take hold, why people instinctively place themselves on the “right side” of history, and what happens when cruelty and dehumanization become normalized tools of power. Along the way, the conversation wrestles with Israel and Palestine, fascism and language, media failure, activism, and what it actually takes to engage across deep disagreement without abandoning moral clarity. Calls to Action ✅ If this episode resonates, consider sharing it with someone who might need a reminder that disagreement doesn't have to mean dehumanization. ✅ Check out our Substack: coreysnathan.substack.com ✅ Leave a review on Apple Podcasts, Spotify, or wherever you listen: ratethispodcast.com/goodfaithpolitics ✅ Subscribe to Talkin' Politics & Religion Without Killin' Each Other on your favorite podcast platform. ✅ Watch the full conversation and subscribe on YouTube: youtube.com/@politicsandreligion Key Takeaways • Collective memory often says more about who is telling the story than about the past itself • People naturally imagine themselves as heroes or resisters rather than beneficiaries or bystanders • Museums, monuments, and national myths are political acts, whether acknowledged or not • Fascism is better understood through concrete behaviors than abstract labels • Language shapes what people are willing to see, justify, or ignore • Values based framing opens more space for dialogue than policy arguments alone • Curiosity and empathy are necessary skills for sustaining democracy, even when lines must be drawn • Engagement across difference does not require moral surrender or tolerance of cruelty About the Guest Dr. Stephanie Wilson is a historian, activist, and communications expert. She is the creator and host of Freedom Over Fascism, where she examines democracy, messaging, media ecosystems, and civic engagement through conversations with journalists, scholars, and organizers. Her academic work focuses on historical memory, museums, and narrative power, with particular attention to Jerusalem and contested histories. Links and Resources • Freedom Over Fascism on Substack: www.freedomoverfascism.us • Freedom Over Fascism on YouTube: www.youtube.com/@FreedomOverFascismPod Connect on Social Media Corey is @coreysnathan on all the socials... Substack LinkedIn Facebook Instagram Twitter Threads Bluesky TikTok Thanks to Our Sponsors Pew Research Center: pewresearch.org The Village Square: villagesquare.us Meza Wealth Management: mezawealth.com Proud members of The Democracy Group Clarity, charity, and conviction can live in the same room.

Journalists are rarely arrested, in part because the media elites freak out, since they apparently can never commit a crime if they're trying to interview people. Lemon can't be part of a mob violating the Freedom of Access to Clinic Entrances Act, to which they added churches. Now if a journalist was part of a mob invading an abortion clinic, we all know the Left would freak out about that.

Ready to build freedom faster? Join the Ditch Wall Street: Build Freedom Faster with Vending, Real Estate & Infinite Banking Masterclass on February 10, 2026 (1:00–4:00 PM CT). Learn from Anthony Faso & Cameron Christiansen, Mike Hoffmann, and Dustin Heiner.

Tuesday, February 3, 2026 Liberty McArtor hosts today's show. Her first guest is Elizabeth Urbanowicz. They'll talk about theology, social issues, family, and about Elizabeth's new book, Helping Your Kids Know God's Good Design. Connect with us on Facebook at facebook.com/pointofviewradio and on Twitter @PointofViewRTS with your opinions or comments. Looking for just the Highlights? Follow […]

Tuesday, February 3, 2026 In the second hour, Liberty's guest is Nadya Williams. They will discuss Literature, Culture, Christian Living and Nadya's book, Christians Reading Classics. Connect with us on Facebook at facebook.com/pointofviewradio and on Twitter @PointofViewRTS with your opinions or comments. Looking for just the Highlights? Follow us on Spotify at Point of View […]

Brian From talks with Reverend Joel Hess of St. James Chicago Church and School about his unexpected path into ministry and the joy of proclaiming the gospel as a completely free gift. Joel shares what he’s seeing on the ground in Chicago, where Gen Z is showing renewed curiosity about historic faith, real community, and truth that isn’t performative or partisan. The conversation explores why loneliness, skepticism, and overload are driving people back to church—and how grace, joy, and authenticity are meeting them there.See omnystudio.com/listener for privacy information.

In breaking news, the Chief Judge of Minnesota federal courts patience has worn thin with ICE, as he notes in a new order that “ICE has likely violated more court orders in January 2026 than some federal agencies have violated in their entire existence” cataloguing more than 96 violations by ICE and the DOJ in the last 30 days, and threatening to hold someone in contempt if it happens one more time. Popok reports. Freedom from Religion Foundation: Go to https://FFRF.US/NewYear or text "LEGALAF to 511511 today. Visit https://meidasplus.com for more! Remember to subscribe to ALL the MeidasTouch Network Podcasts: MeidasTouch: https://www.meidastouch.com/tag/meidastouch-podcast Legal AF: https://www.meidastouch.com/tag/legal-af MissTrial: https://meidasnews.com/tag/miss-trial The PoliticsGirl Podcast: https://www.meidastouch.com/tag/the-politicsgirl-podcast Cult Conversations: The Influence Continuum with Dr. Steve Hassan: https://www.meidastouch.com/tag/the-influence-continuum-with-dr-steven-hassan The Weekend Show: https://www.meidastouch.com/tag/the-weekend-show Burn the Boats: https://www.meidastouch.com/tag/burn-the-boats Majority 54: https://www.meidastouch.com/tag/majority-54 On Democracy with FP Wellman: https://www.meidastouch.com/tag/on-democracy-with-fpwellman Uncovered: https://www.meidastouch.com/tag/maga-uncovered Learn more about your ad choices. Visit megaphone.fm/adchoices

Are you ready to receive all that God has for you, but afraid to release what you've held onto for so long? No need to fear. In this episode, I'll break down the process of letting go and leaning into the new thing God is ready to do in your life.  If you're so overwhelmed that overflow feels out of reach, I'm here to remind you of the power you hold to release the weight that is holding you back and receive abundance in this season of your life. It's time to make room for all of the blessings God has in store for you. Highlights from Today's Episode Getting out of your own way Giving yourself grace Growing beyond guilt and shame Related Resources Ready to take the pressure off and live within your limits? Listen to this podcast episode on having Grace for the Pace. Listen to this podcast episode for encouragement When the Year Didn't Go As Planned. Lean into the possibilities for this year with the free Dream Builders Workshop. CLICK HERE FOR FULL SHOW NOTES The post #568 – Make Room for Overflow first appeared on Chrystal Evans Hurst.

Knowing Your Number Is The FIRST DOT To FREEDOM In this episode of Join Up Dots, we focus on the single number that quietly changes everything. Instead of chasing big income goals or shiny ideas, this episode walks you through how to work out what it actually costs to keep the lights on and why that clarity removes pressure, panic, and bad decisions. When you know your number, money stops being emotional and starts becoming practical. From there, replacing bills one by one with small, sensible income becomes achievable, calm, and sustainable. This episode is about sequence, not speed — and why stability always comes before freedom. Don't forget to subscribe to the podcast and leave a review. Your feedback helps us reach more people and continue bringing you valuable content. See you in the next episode! #JoinUpDots #FinancialClarity #CalmMoney #BuildWithoutBurnout #SimpleIncome #LifeFirstBusiness #QuietProgress #FinancialFreedom #DesignYourLife

Keith shares how a recent trip to Colorado Springs and a changing commission landscape reveal what really matters for real estate investors now From there, the show dives into the three levers investors truly control—leverage, operations, and relationships—before welcoming lender Caeli Ridge to break down the major mortgage options for investors. You'll hear how different loan types fit different strategies: from your first conventional "golden ticket" loans, to DSCR loans based on property income, to short-term fix-and-flip and bridge loans that prioritize speed and flexibility.  The episode then moves into how more advanced investors can scale beyond 10 doors, navigate debt-to-income and tax strategy, and even approach financing for short-term rentals—all while highlighting why having the right lending partner and long-term plan can make a big difference to your results. Episode Page: GetRichEducation.com/591 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com  Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Welcome to GRE. I'm your host. Keith Weinhold with new ways to think about your life through goals momentum in the real estate market. Then learn about various mortgage loan types, conventional DSCR, fix and flip, bridge loans, short term rental loans and more. Knowing which loans to use can save you millions and learn the fatal mortgage mistakes you must avoid today on get rich education.   Corey Coates  0:29   since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors and delivers a new show every week since 2014 there's been millions of listener downloads and 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki. Get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast or visit get rich education.com   Speaker 1  1:14   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:30   Welcome to GRE from Winnebago, Minnesota to Winnipeg, Manitoba, and across 188 nations worldwide. I'm Keith Weinhold, and you're listening to get rich education, the voice of real estate investing since 2014 before we get into the mortgage discussion, where we'll discuss five or 10 different investor loan types and their various pros and cons, which could save you millions over the course of your life. I shared with you that I traveled to Colorado A couple weeks ago, for a goals retreat hosted by the real estate guys, top notch event, I spent extra time there in Colorado Springs, because I find it really livable, and I spent five hours with a local realtor there, one day out and about visiting properties in the area I'm potentially looking for a home or a second home. And by the way, how is this for a price range? The realtor wanted to know what my Buy Box is, and since I'm just learning the Colorado Springs market, I told him I'm willing to spend between 400k and 1.2 million on the property, yeah, pretty wide range, a mile wide. Fortunately, my other Buy Box criteria are more narrow and specific, and I have got to say, I'm surprised at how low the area's home prices are. I thought they'd be higher. Interestingly, before touring homes, my buyer agent wanted me to sign a six month exclusive representation agreement. Fair enough, that's standard stuff. It was on the agreement, though, that I as the buyer pay a 3% commission up on the purchase, and the seller would presumably pay the other 3% to make up that total 6% commission for the agent compensation. Well, historically, the seller paid the entire 6% and this, of course, goes back to the NAR settlement, and that ruling that became effective in August of 2024 you probably remember this, and I talked about it on the show back then, and how it's not really that big of a deal, especially to investors like us, because at GRE marketplace and with our GRE investment coaching, it's a direct model. There's zero commission on either side, and then you, in turn, get some of those savings, but out in the larger world and in the owner occupant world. Well, that rule change that started a year and a half ago. It means that sellers are no longer required to pay the buyer's agent. Instead, the fee is now negotiable between buyers and their agent. The other change is that property listings no longer display the buyer agent's commission offer. But here's what's interesting in practice, and what really ends up happening in the end, in most cases, is that the seller still pays the full commission and compensates both agents that full 6% sometimes it's 5% instead of six buyers and buyer agents, they still operate under the seller pays. And that's largely because that has just been the norm. It's what's seemingly always been done. It's what buyers are used to. And the reason that that often persists. Is because the seller is the party in the transaction that has that thick equity in the property, deep equity, and buyers are the ones often just trying to scrape together whatever they can for a down payment and closing costs. Buyers are not going to be able to come up with another 15k for an agent commission when they're buying a 500k property, that's 3% especially today, this is true because American homeowners the seller then still have record equity positions of about 300k an all time high. Nearly half of mortgaged homes are considered equity rich. What does equity rich mean? It means that the loan balance is less than half of the home's value, yeah, the seller has the means to pay the full commission. So the point is, in practice, the seller, yeah, still pays that full five to 6% commission in the overwhelming majority of cases, and the buyer pays nothing. And if that does change, it's going to take a long time. You know, a lot of these evanescent real estate stories that people think are going to have some seismic impact. It rarely does, like this erstwhile NAR ruling or the 50 year mortgage proposal or banning big institutions for buying more single family rentals. You know, this stuff is like one little baseball sized asteroid striking an entire planet. I mean, it's like a barely discernible impact. Real estate is anchored in one place like Jabba the Hut. It is solid. These stories are interesting, but they're not impactful.   Keith Weinhold  6:52   Instead, I've mentioned it before. What are three things you control in real estate that really matter. And these are evergreen things. First, it's, how many dollars are you leveraging? That's where your wealth is going to come from. In fact, we're going to discuss that today with mortgage loan types. Second, what's the efficiency of operations on your existing properties? And thirdly, what is the quality of your relationships? And actually, we're addressing the third one today too, talking to a lender that you could make part of your team. You can control these three things. They're unyielding, they're evergreen, they're long term, and they all have gratitas and impact those three things, leverage operations and relationships. Now my agent drops me off and picks me up from my hotel here at the Broadmoor in Colorado Springs. This was also the event hotel for the goals retreat. I just extended my stay to hang out in the area. Look at real estate, do some climbing on Pikes Peak. Pro tip for you on hotel room rates, talk to a human being before I booked my stay, I called the front desk and asked them if they could extend the attractive event room rate to more nights on my extended stay. And they agreed. You might have heard of the Broadmoor. It is well known. It's been here for more than 100 years, and it is such a fine place to stay. Let me tell you about this special piece of real estate. In fact, I've thought it through, and I will now hereby proclaim that it is the finest us hotel experience that I've ever had in my life. I say us because I stayed at an amazing place in Dubai. But what makes the Broadmoor stand alone? It's the details and the service. A lot of hotels are nice, but this is on a different level. And I don't say this to brag, and this is because you probably can afford to stay here, yeah, like I have. You might have paid more elsewhere in your life for a lesser hotel, although I am here in the low seasons. Okay, now, sure, you've got views of the Rockies and a man made lake and waterfall and even a beautiful chandelier in my hotel room. The thing that sets it apart, though, is you have this service that feels old world and not corporate. That's what makes the difference. The Broadmoor is horse themed, since horses are a symbol of the American West. There are about 800 rooms here. It's kind of like a self contained adult Disneyland championship golf courses, a world class spa, even an outdoor lap swimming pool like that has lanes that I swam in one morning for. Fine dining, casual dining, access to hiking, fly fishing, even falconry, zip lines, tennis, pickleball pools. Take the cog railway to the Pikes Peak, Summit. Okay. Now, other nice hotels have attractions that are sort of like that, but when I rave about the service, it's the little things they are knocking on my door before 10am to come in and clean the room. And you know how so commonly, when you first check into your hotel room and you look in the closet, there are not enough clothing hangers, and they're all like stupidly mismatched. These all match. They're all nice wood, and there are plenty of them. So I'm talking about these details. I'm telling you. I had dinner at one of the broadmoor's restaurants the other night. I just happened to take a close look at the tag on the napkin. Sure enough, it is made in Italy. I mean, jeez, no detail is overlooked at this stellar place. In fact, here's what I'll do. You know, I'll just completely stop my Colorado Springs home search right now. Instead, I'm going to stop down by the Broadmoor front desk, tell him to give me some moving boxes, because I'm moving into the Broadmoor and I'll be here for the next decade. Start forwarding my mail here and everything. And hey, at least I was courteous enough to give them notice. I can't stay here too long, or my standards will be rising faster than my net worth. Yeah, yeah. Can't go to sleep with a mint on your pillow every night, I suppose.    Keith Weinhold  11:38   Now, the reason I came here now is to attend that aforementioned goals retreat, and let me take all the time and all the resources that I put into being here and distill them into just a few of the most salient takeaways for you. Goals should be smart, strategic, measurable, actionable, relevant and time based, they must be written down. Now, how would you describe yourself to somebody else that didn't know who you were? Write that down next. What do you think your reputation is? How would others describe you? Write that down now that you can see how you describe yourself and how others describe you, you can see that there's a gap there. That gap is what you need to work on. I learned that goal should be written in the present tense, not the future tense. I did not know that before. For example, say it is January 1, 2035, and I own $5 million in rental property. That's an example of how you would do that. So take future events and write them in the present tense. Other questions at the goals retreat that got really introspective are, what are you really going to do with your life? And write down that answer. Sheesh, that is tough. And if you think that's a hard question for you to ask of yourself, the next one is even harder. It's simply why? Why is that where you're going with your life? And then write that down? I mean, would you answer questions like this for yourself? And you really think about it, that can occupy a new segment of your entire headspace. It is a big cognitive load, and a last one to leave you with is to dream not just big, but gigantic. Get it out there, write down a dream that interests you, but it's so grandiose that you're actually embarrassed to tell someone about this stretch dream, for example, for me, it's the first person to walk on another planet. No human has ever done that, and this would most likely happen on Mars. See, this is so grand that is sort of embarrassing for me to even share that with you. It almost makes you sound Loony, like I would have to learn so many new skills to travel to and walk on Mars. But you should write down a bunch of other goals too. You're sort of brainstorming on goals, attainable goals. Recall that is the A in the SMART goals acronym, you want to write down a bunch of attainable ones, not just that stretch one. So for attainable ones, one of them is for me to become the highest man on earth. To give you an example. And I attempted that goal two years ago, and I failed. I told you about that at that time. But see now, compared to my embarrassing stretch goal of walking on Mars, the highest man on earth feels attainable, I know what it takes to achieve it, and it's worth doing, ah, but it's a grind to get there, yet it would be worth it. Those are some quick take. Ways from the real estate guys goals retreat while on stage the event host Robert helms he took a minute respite from the goals material, and he recognized the fact that, as he calls it, the four OG real estate podcasters are all in the same room. One of them is helms himself, and now I feel like the other three are all older and doing it longer than me. I was one of the four that he mentioned. But you know, there is only one podcast that was mentioned from stage, and that is that Robert helms told the audience that they should be listening to the get rich education podcast. That was a nice thing to say, and he is always a gracious giver.   Keith Weinhold  15:45   Next, we're talking about four major loan types, conventional DSCR, fix and flip and then bridge loans. When we discuss the first two parts of it could sound repetitive, but you'll see why we do this, because then you'll be able to compare it to nichey loan types that we discuss, for example, the speed of a bridge loan, where you can get funded in just one week, compared to a slower conventional loan. The mortgage landscape changes. I still remember how in 2012 we had still somewhat freshly emerged from the global financial crisis, and back then, you could only get four conventional loans, four rental properties, not 10 like you can today, 20 married. So get your loans while you can, you probably won't always be able to get 10 loans. We'll start with loan types that are more for beginners, and then we'll get to advanced material. Let's welcome back one of our favorite recurring guests.   Keith Weinhold  16:54   You can make millions more throughout your life by understanding mortgage loans. This is key, and today it's the return of the woman that's created more financial freedom through real estate than any other lender in the entire nation, because she's the president of ridge lender group. Hey, it's time for a big welcome back to the incomparable, yet somehow still so approachable Chaley Ridge   Caeli Ridge  17:16   my Keith, thank you for having me. I love being here. I love what you're doing. It's my pleasure, sir.   Keith Weinhold  17:23   And our followers, our listeners, have been approaching you since 2015 you're one of the longest running guests, truly one of the OGS around here at GRE and now Caeli, before we discuss loan types. You know, we don't really talk politics on this show rather policies, and we're in the midst of a presidential administration that often, in the name of the word affordability, is trying to supremely shake things up in the housing market. Help us dissect what matters and what won't.   Caeli Ridge  17:58   I have found that at least as it relates to current administration, whoever that might be, I wait for the buzzwords or the taglines to become the actual policy. Like you said, That's a good point in this case. You know, you've got things floating around, like the 50 year mortgage cutting off the hedge fund guys and that kind of thing. Whether or not, those things come to fruition. I'm happy to give my opinion on them. I do not think that it's going to move the needle much for the people that you and I serve with regard to I mean, just taking them one at a time, I don't think that the 50 year is going to come to fruition. Just first and foremost, if it did do, I think it would be a good idea for a homeowner, probably not, but for an investor, maybe if there's some way that we can keep our payment lower, given the maturity date of a mortgage for an investment property is usually about five years. I mean, I know that this is a 30 year fixed mortgage, but statistically speaking, the average shelf life of a non owner occupied mortgage is about five years. So getting a 50 year amortization, if that were going to reduce the payment, I don't think is a bad thing for an investor, however, and this may get a little bit technical for the listeners, so I apologize in advance if we were to go to a 50 Year am the adjustments, something called, and you and I have talked about this before, something called an llpa, that stands for loan level price adjustment, I think would be such that it could end up defeating the purpose of having the longer term amortization, because I think the interest rates would be higher and I think they may offset so that was a long way to say. One, I don't think it's going to happen. I don't think it's actually going to get to its final resting place. And two, would it be a good idea for investors, yeah, I think it would be worth considering if it kept the payment lower. Okay, that's that as the other piece to cutting off the hedge funds, the big, you know, BlackRock, some of the big players, and giving them access to the residential housing and first right of infusion or etc, because they've got such deep pockets. You. It's such a small amount to what our individual investors are going to have access to that I don't think that that moves the needle either. So I don't know if I'm answering the question, except to say anything that they're going to tout, I would wait for it to actually become written in stone and pass by the rest of the powers that be before I would get excited about or concerned about any of it.   Keith Weinhold  20:21   This is pretty parallel with what I've been telling our listeners. All these things seem to make splashy news, but I haven't seen anything that's going to make a deep impact yet, whether it's the 50 year mortgage, which probably won't even come to fruition, or if it's doing these mortgage bond buy downs in order to bring more liquidity into the market and bring rates down, or if it sees any of these other things being discussed with these institutional investors, since they already own such a smaller proportion of the housing market than a lot of people think, we'll discuss seasoned real estate investors and their loans shortly, but first for newer real estate investors, you Know, chili, I kind of think of four or more loan types that a beginner should be familiar with. I think of conventional loans, dscrs, fix and flips and then bridge loans, the first one with conventional loans. What are the basics that someone should know?   Caeli Ridge  21:17   So first of all, you should know that there are 10 of these. We call them the golden tickets. I'm pretty sure I coined this, okay, 100 years ago, the golden ticket. We call the conventional aka Fannie Freddie, aka agency. They go by different names, but they all mean the same thing. We call them the golden tickets because it's the highest leverage and typically at the lowest interest rate you can find. Now I do have a hook in our conversation today about that. I'll get we'll get to it. There are 10 of these per qualified individual. So one of the first things that I would tell somebody is, is that if they are a partnership or a husband and wife team, you want to make sure to keep the debt obligation separate, because if you want to maximize these golden tickets, let's just say it's a husband and wife team. You each have, per qualification access to 10, and that includes a primary residence. In fact, let me just take a quick second and define what counts in the 10, because some people get this wrong. So the 10 golden tickets are counted by any residential property, single family, up to four Plex that has a loan on it, where the loan is in the individual name or personally guaranteed by the individual. That's where people get tied up. So if they went out and got a kind of more of a commercial type loan, that was in an LLC name, for example, but they signed a personal guarantee, per Fannie Freddie guidelines, that particular mortgage is going to count against the 10. So those would be some of the first pieces of news or detail I would give them about conventional    Keith Weinhold  22:40   for married couples, don't take ownership in both the husband and wife's name, either the husband or the wife. That way, you can get to 20 rather than 10. And yes, you do have to be mindful that your primary residence does count in that 10 or 20, whatever it might be. Anything else quickly with conventional loans, LTVs so on,    Caeli Ridge  23:01   yeah, LTV can go to 85% loan to value. So you get a little bit extra than you're going to get in some of the other loan product types. It will have PMI, private mortgage insurance, anything over 80% LTV will always have PMI on a more conforming, conventional basis. So keep that in mind. But the factor is pretty low. I would encourage people that are looking to stretch the almighty dollar. Do the math. Look at the 85 with PMI against, say, an 80% and see what are you giving up versus what you're getting. And then qualification stuff, you guys, my dumb joke, it's Keith's favorite. I'm sure vials of blood and DNA samples are sort of required for the Fannie Freddie loans. So just be prepared to supply or submit us the tax returns and pay stubs and bank statements and and all that stuff,   Keith Weinhold  23:44   you'll feel like you're getting fingerprinted almost for a conventional loan qualification. And the second one that I brought up DSCR loans, that's short for debt service coverage ratio. And these mortgages are pretty standard for rental properties. They're underwritten based on a property's income potential. So you know, the way I think of dscrs Chaley from the lender's perspective, is that sustainable cash flow is what matters. The rent has got to support the property's monthly mortgage payments. So we talked to us more about dscrs.    Caeli Ridge  24:15   Yeah, I love this product, and this is for somebody that either can't fit into the conventional Fannie Freddie box, or maybe they've exhausted their golden tickets and they're graduating and moving on. This is a great option that will reduce the amount of vials of blood and DNA samples that you're going to have to submit. It still provides for a 30 year fixed mortgage. The leverage is roughly the same, 80% in most cases, on a purchase. And to your point, the gross income divided by the principal, interest, taxes, insurance and Hoa, if it's applicable, is the simple formula, the easy method I'll give people, just to kind of solidify that math, is that if the gross rents were $1,000 a month, and if the PI TI was $1,000 a month, when you divide that, your debt service is 1.0 Now you can go as low, believe it or not, as low as a point seven, five, DSCR, they have those available be ready for the interest rate to get a little hair on it. Okay, it's going to be higher than what the 1.0 and above is going to be. But you can go as low as point seven, five, those are going to be for the investors that have found a property, maybe in distress, and they cannot show the current market value rent, perhaps, and it's on the low end. So you can still get that done at point seven, five, just be ready for a higher interest rate.   Keith Weinhold  25:30   So the DSCR loan an alternative for you, which might be especially useful, like Chaley touched on, if you've already exhausted your 10 golden ticket. Fannie Freddie loans, a DSCR of 1.2 for example, means that your rent income needs to exceed your principal, interest, taxes and insurance payment by 20% or more. That's what we're talking about here. And then Chile, those were more of loans for the buy and hold type of investor. Tell us about fix and flip loans.    Caeli Ridge  26:03   Yeah. So these are shorter term loan that will allow you to include not just the purchase of the property, but also some renovation or rehab money if you need that. And we're going to be looking at an ARV after repair value. So you've got a purchase price, you've got your renovation or scope of work budget. And then we're looking for an ARV with the ARV to be somewhere around 75% so what that means, if you've not heard of this before, you're going to take, let's say, $100,000 value. And if we want the ARV to be at 75% we're going to lend 75,000 is kind of the mix there. Those are quicker loans. You're going to be paying much higher rates on those. You know, between nine and 13% depending on the deal. The points are also going to be a little bit higher, but a great option for that quick turn and burn where you know your deal has enough skin in it and you can recapture all your capital and make a good tidy profit on it.   Keith Weinhold  26:53   We're talking about basically fixer upper loans here with Chaley Ridge, the president of ridge lending group, yes, these are jalopies that rarely qualify for traditional bank financing. And oftentimes, when I think about these fix and flip loans, I'm thinking that often there is interest only flexibility with regard to those higher interest rates that you need to pay. And I think of it as, you know, a shorter term loan that you've got during your renovation period, oftentimes 12 to 18 months. Does that sound about right?   Caeli Ridge  27:24   Yeah, 6,18, even 24 months. And to your point, yes, all of these are going to be interest only. And one of the cool things is about these loans is, is that, if there's enough room in the deal, right, based on what you need to borrow and what we think the ARV is expected to be, you don't even actually have to be making those interest payments. You can build it into the final payout when we go to refinance you out of this short term loan, or you simply sell the property and pay off that loan. So for example, let's say that your interest only payment is $1,000 a month, okay? And the value of the property is going to be $200,000 and you only took 120 okay, we're going to be well within that 75% ARV. You can build in that $1,000 say, for 12 months, there's $12,000 and just add it to the outstanding balance that you started by owing, and not have to be making those payments on an ongoing basis. It's not rented, right? So it might be nice to be able to factor that in to the actual payoff when you go to refinance that if it's a fix and hold versus go to sell it on a fix and flip.   Keith Weinhold  28:31   Now, long term, we know that the big gains for real estate investors really come from that leveraged appreciation getting that loan. But sometimes there are situations where we might want to act as a cash buyer. And that brings up this fourth of four loan types that I brought up, the bridge loan, short term loans that can temporarily finance a property purchase while you're waiting for a longer term loan to come through. The bridge loan, so I think of it as a pretty speedy loan, if you sort of want to act like you're an all cash buyer.   Caeli Ridge  29:04   Yeah, I like this, and in many ways it's similar to a fix and flip interest only. Obviously the term is going to be shorter, six months, 12 months, up to 24 months, and based on largely relationship, the bridge loan for the purpose that you described, really comes into play for an investor that we know and we're comfortable with, we can fund those inside a week, for somebody that we've done several of these loans for. So for those that need that really quick turn, once you've established yourself as a seasoned, experienced investor in that space, those are pretty slick and easy to get through.   Keith Weinhold  29:39   Why would someone use a bridge loan, rather than a fix and flip loan.   Caeli Ridge  29:43   So if they're in a very competitive market, that might be another option, because those are going to be faster. The bridge loan is going to be faster where they need to say that they're an all cash buyer and they only need seven days to close, or whatever it is. It depends on the municipality in the state. But what if you're at the courthouse steps? And you need cash quickly. Sometimes it needs to be immediate. So that might not be applicable in this case, but if you put the bid in, and you win the bid, and you've got, you know, three days to perform, usually we can get those done. So it's circumstantial. Those would be two variables or two scenarios that that would apply to   Keith Weinhold  30:17   the bridge loan gives you the advantage of speed, but that speed can come at a cost.   Caeli Ridge  30:22   Oh yeah, yeah, you're going to be paying probably three points, maybe four points, and it's short term interest, 13, 14%   Keith Weinhold  30:30   so with these four loan types that we've discussed, conventional DSCR, fix and flip and bridge loans, you can kind of see that there is a loan for most every investment scenario, and there's no reason to rely on only one type, a flipper. Might start with a short term fix and flip loan or a bridge loan and then later refinance to a DSCR or a conventional loan. So consider mixing and matching based on your needs. You're listening to get rich education. We're talking with Ridge leninger, President Taylor Ridge, more when we come back, including steps for more advanced investors, I'm your host. Keith Weinhold   Keith Weinhold  31:06   mid south homebuyers with over two decades as the nation's highest rated turnkey provider, their empathetic property managers use your return on investment as their North Star. It's no wonder smart investors line up to get their completely renovated income properties like it's the newest iPhone, headquartered in Memphis, with their globally attractive cash flows, mid south has an A plus rating with a better business bureau and 4000 houses renovated. There is zero markup on maintenance. Let that sink in, and they average a 98.9% occupancy rate with an industry leading three and a half year average renter term. Every home they offer you will have brand new components, a bumper to bumper, one year warranty, new 30 year roofs. And wait for it, a high quality renter in an astounding price range, 100 to 150k GET TO KNOW Mid South. Enjoy cash flow from day one at mid southhomebuyers.com that's mid southhomebuyers.com    Keith Weinhold  32:08   you know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds. Don't keep up when true inflation eats six or 7% of your wealth. Every single year I invest my liquidity with FFI freedom family investments in their flagship program. Why fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program when you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest, start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom family investments.com/gre or GRE, or send a text now it's 1-937-795-8989, yep, text their freedom coach, directly again. 1-937-795-8989,   Keith Weinhold  33:19   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage, start your pre qual and even chat with President chailey Ridge personally, while it's on your mind, start at Ridge lending group.com that's Ridge lending group.com   Blair Singer  33:53   this is Rich Dad, sales advisor, Blair singer. Listen to get rich education with Keith Weinhold. And above all, don't quit your Daydream.    Keith Weinhold  34:09   Welcome back to get rich education chili when we go beyond this beginner stage that we've been discussing, how about for an investor just trying to scale to 10 doors worth of one to four unit properties. Now, are there any strategies there or more of a loan order that you would recommend in getting up to your first 10 you know   Caeli Ridge  34:29   I think the strategy starts with calling your lender, ideally Ridge lending group, and having that deep strategy call that, that discovery call, so that we can really understand and plant some seeds that say, Okay, Mr. Jones, these are your qualifications today. This is where you want to be in a year or 10 years. These are the steps that are going to be important that we are mindful of and we take to accomplish and reach those milestones. It's really important to have that baseline understanding of what is your debt to income ratio on day one, what are your assets? Sets. What is your credit? Where do you want to be in a year or 10 years? Right? Do you want 10 properties in a year's time? It's going to be a very different conversation than if you're going to slow roll this and want to establish 10 purchases or 10 investment properties over 10 years. So identifying those details is going to be part one, and then next, in terms of order, I would say, largely the higher price point properties, typically, I would say, put those in one through six. And the reason that I'm saying that is is that the underwriting guidelines under conventional financing, they will change based on how many finance properties you have. So of all of the inner working guidelines and things that go into securing a conventional mortgage loan, the three top most heavily weighted are going to be debt to income ratio, credit score and assets. Okay? And within each one of those, the marker or the qualification guideline changes as you evolve and acquire more property. So the higher up the ring you go, or the rung that you go to 10, the more restrictive the guidelines are going to be. So I would typically say, get the higher price point properties go into maybe one to four, one to six, if that's part of your strategy and your diversification of portfolio ownership. Then after you've established having two or three or four properties and that higher price point it as it gets harder to qualify, potentially, if your debt to income ratio is a little bit tight, you've got the smaller loan sizes that might be less impactful in debt to income ratio. All of this is very subjective to the individual's qualifications and needs, of course, but that might be one rule of thumb that I would take   Keith Weinhold  36:39   gosh, this This is absolute gold in helping you structure the architecture of a growing income property portfolio. And we're coming up on this Super Bowl, and whatever mortgage lender advertises for the Super Bowl or has some big, splashy campaign nationally, you know they are not the ones that are going to have conversations like this for you, they might be fine for buying a primary residence, but this is why you want to have a long term strategy and work with a lender that's aligned with you on exactly that sort of thing. And Chaley, is there a specific way in which one can avoid hitting the Fannie Freddie loan ceilings too early if you haven't already touched on it.    Caeli Ridge  37:22   Yeah, very good question. You know, I think that this is going to come down to a debt to income ratio conversation. It's easy enough to ensure that we contain assets and credit. Those are easier conversations. The debt to income ratio is the piece that's more complicated and can get away from an investor without them even knowing it. You don't know what you don't know, right? So I would say that debt to income ratio and making sure that your lender again, hopefully Ridge lending, because we know this like we know our own faces, making sure they know how to structure and provide feedback and consult on that schedule E, part of the beauty of real estate investing is the tax deductions. Right? Many people get into real estate investing, not for the cash flow, not even for the appreciation, but for that tax strategy, because they're high wage earners, or whatever it may be, and they're sick of paying x in taxes. So the debt to income ratio is key in scaling and making sure you can continue to qualify for those loans. The conversations that we have with our clients really go deep about where we can maximize our deductions to ensure that we get the tax benefit without precluding our qualification on a conventional underwriting basis in the DTI category.   Keith Weinhold  38:35   Now, during my growth as an investor, when I got above 10 doors, one gets above 20 doors. When one gets to 216 doors, I began where I needed to qualify more on a DSCR basis, where the lender is looking at the properties qualification, more so than me. So are there any other thoughts with regard to how one can set themselves up for success in really going big and well beyond 10 doors   Caeli Ridge  39:03   absolutely so once we've exhausted the Fannie Freddie, and I think one of the real value adds about Ridge is that we are not a one size fits all, and we are extremely holistic versus transactional. So having that first conversation and understanding what those goals are, so that we can pivot as we need to maximize the golden tickets, whether that be 10 to 20, right? If you're in a marriage or a partnership or whatever, and then setting up for the DSCR loans when the time comes, and taking advantage of those, there is no limit to how many DSCR loans we can get for one individual. We have yet to file an individual that we've had to say no, and we've done quite a few of the high, high acquisition investors, so I don't expect that to be an issue, but yeah, I think it's about planning, planting those seeds, creating roadmaps together and have those smart discovery conversations.   Keith Weinhold  39:50   Now, as you grow, one way you might diversify is to have perhaps at least a part of your portfolio in short term rentals. So what I. Comes to getting loans for sort of Airbnb or VRBO type properties. What does one look for there? How much does the landscape change versus the longer term rentals that we've mostly been talking about here?    Caeli Ridge  40:10   Yeah, I think that the differences are going to be about purchase versus refinance. If we're just talking about purchases, let's kind of try to keep it in one lane. If we're talking about purchasing a short term rental, you may be limited on leverage. You might lose a little bit of leverage, 5% let's say you could get to 75% and maybe on a short term they're going to back it off to 70% LTV, so there may be reduction in that loan to value. And the way in which we're going to quantify the income is absolutely important to share with your listeners on a purchase transaction, we have access to things like an appraisal. An appraisal is going to give us some median rental income, whether it be long term or short term, that we will use to offset a new mortgage payment if that's needed for the individual's debt to income ratio qualification. Now, if they don't need the rental income to qualify, then it's a non issue. But if they do, like most of us, need that rental income to absorb this new mortgage payment that we are securing for them, how that's going to quantify is important. So if it's not in a short term rental area, let's just say it's kind of off the beaten path, and there may not be enough data points to support the income that you need. It's important to know that up front versus way down the rabbit hole, when you paid for appraisals and you're all the way through the transaction and earnest money might be off the table if you had to cancel that kind of thing. So really important to understand the numbers in advance, I would say, when we talk about short term rentals and how the income is going to be quantified from an underwriting perspective,   Keith Weinhold  41:43   why does a borrower often need to make a higher down payment on a short term rental than they do a long term rental?   Caeli Ridge  41:49    You know, I think that in secondary markets, as we talk about mortgage backed securities and things like that, it's looked at as a higher risk. A short term rental is going to be a higher risk than just the stable long term, long burn tenant is going to be there and they've got their lease for a year, two years or whatever, at a time, the short term rental is more volatile and it's seasonal. It can be I mean, there's all those different factors, so higher risk means more skin in the game for the investor.   Keith Weinhold  42:13   That makes a lot of sense. Does that higher risk also translate into a higher mortgage rate for short term rentals than long term rentals?   Caeli Ridge  42:18    Fannie Freddie versus DSCR The answer is no. On the Fannie Freddie side, the interest rate's not going to change on a DSCR loan. Yes, it can be slightly higher, usually about about a quarter of a percentage point on a short term versus a long term.   Keith Weinhold  42:33   Now, are there any particular markets that lenders want to avoid with short term rental loans?   Caeli Ridge  42:39   No, as long as the property is habitable, and all the other metrics fit Qualifications and Credit and assets and all that stuff. No, there isn't a market that we're going to have any issues with now. We do get the notifications for natural disaster areas, and as that relates to the appraisal and things like that, if it's in a natural disaster area or zone, we may have to hold funding until after the disaster is over, and then we can go and take more pictures and make sure it's still standing and there's no major issues. But otherwise, aside from that, as long as it's habitable, no, there is no market restriction.   Keith Weinhold  43:12   Yes, with that variability of income for short term rentals, you can understand how a lender would be more careful in making a loan, and would want you, the borrower, to put more skin in the game for a short term rental. Well, Caeli, overall, what should an investor do in the next 24 hours to make themselves more lendable before contacting someone like you?   Caeli Ridge  43:36   I would say the answer is sticky, but call rich lending group. That's how you're going to make yourself more lendable. And the reason that I can say that is is that everybody's qualifications and needs and goals are inherently different. So calling someone that understands this landscape and can navigate the battleship in the creek like I like to say, that's the visual aid for those of you that need the visual is the first key. And with that conversation, we're going to be able to identify for you specifically what you would need to do to become more lendable. And it may be nothing   Keith Weinhold  44:07   well over there, Chaley, you're growing. You do loans in almost all 50 states. The GRE podcast has more than 5.8 million listener downloads, and you have helped countless GRE listeners acquire smart investor loans for fully a decade now. Just amazing. So talk to us about all of the loan types that you offer investors there at ridge.   Caeli Ridge  44:30   My gosh. Okay, so I think one of the real value adds for us is that we have such a diverse menu of loan products. We touched on a few of them already. So we've got the conventional Fannie Mae Freddie, Mac stuff. We've got our DSCR loans. We have bank statement loans, asset depletion loans. I can touch on those if you want. Keith, we have our short term bridge fix and flip. We have our All In One my favorite, first lien, HELOC we have second lien HELOCs. We have commercial loan products, and commercial can apply to residential and commercial property. A cross collateralization, commercial for residential properties. That just means, if you're putting 10 single families into one blanket loan, that would be cross collateralization, or if you're buying a storage unit that's straight commercial, and probably even more than that, ground up construction, there's really not a limit to the loan products that we offer, specifically for investors. The only thing we don't have, I would say in our arsenal is bare land loans. Those are hard to come by   Keith Weinhold  45:24   It sounds like you recommend a call in order to get some of that back and forth, to learn how you can best help that investor. But tell us about all the ways that someone   Caeli Ridge  45:32   can get a hold of you. Yes, there's a few ways. Of course, our website, ridgeline group.com, you can call us toll free at 855-747434385, 747-434-3855, 74, Ridge. Or feel free to email us info at Ridge lending group.com   Keith Weinhold  45:49   and you might get lucky. Hey, spin the wheel. Chaele does get on the phone and talk to individual investors herself too. So Chaley, it's been valuable as always to cover all these different loan types for beginners, and then what one does when they advance beyond that. It's been great having you back on the show.    Caeli Ridge  46:09   Thank you, Keith. I appreciate you.   Keith Weinhold  46:16   Oh yeah, a lot to learn from Chaley today. You've got mortgage rates three quarters to 1% lower than they were a year ago. At this time, in fact, last month, they ticked below 6% for the first time in years, and their lowest level in over three years. But when you introduce geopolitical uncertainty, well, that tends to make rates tick up again. Now, just what does happen when you have a lower overall rate trend like we have? Well, in this cycle, it's already spurred an increase in housing sales volume. It surged to 4.3 5 million in the latest reporting month, and that is the hottest annualized pace in nearly three years. Some of the same people who said, wait until rates fall, they're about to realize that prices didn't wait. Demand comes back fast. Inventory doesn't if mortgage rates take another leg lower, we could see quite a refinance wave in balanced markets or in supply constrained markets, bidding wars could follow. Now I've shared with you before that I totally do not predict interest rates. I don't know if anyone should. It is a great way to be fantastically wrong and supremely waste a lot of people's time. Instead, I think it's more efficacious for you to be able to interpret the signs that can trigger a further rate drop. Those signs are a weak jobs report that tends to bring lower rates because the labor market needs the help. So does softening wage growth, GDP below expectations, inflation continuing to cool, or a pickup in US Treasury demand. These are all signs that can lead to even lower rates. In fact, right now, with already lower rates and higher wages, real estate is more affordable than it's been in about three years, but overall, longer term, yeah, income properties still feel somewhat less affordable. It's less affordable than it was in pre pandemic times. That's for real for US investors, though, affordability is less about the price of the property, it's about whether the property pays for itself and grows your net worth while inflation does the heavy lifting for you, that's why it still works for us as investors. Higher prices don't kill investors inaction during inflation does you're not so much buying a say, 350k property. You're controlling it with 70k while your tenant and inflation do the rest. We don't rely on hope or appreciation. We start with inflation, tax benefits and debt pay down, and then appreciation typically happens too. A lot of times, the question for us goes beyond whether or not a property is affordable. The question is whether owning an investment property is better than inflation compounding against us, which is an investor mindset for this era, Ridge landing gear. President Chaley Ridge is a regular guest here because the mortgage space is so dynamic and things change a lot. For that reason, we expect to have her with us every few months this year, I'll see you next week. I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 2  50:01   Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively   Keith Weinhold  50:30   The preceding program was brought to you by your home for wealth building, getricheducation.com   

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Hawaii's 9th circuit approved gun ban is impossible to follow :: New idea to limit government's gun grabbing- only if it was implemented in the 1790's :: NH red flag laws hidden in the restraining order statutes :: Bonnie's story that ended in a restraining order :: The judge ordered Bonnie gets a stranger's pets :: Dave Ridley's new call series on NH freedom movement OG activism :: Derrick J's Victimless Crime Spree ::Important to support activists you agree with :: The US developing weapons that may be illegal in international law :: How is Venezuela doing now? :: Turd is disappointed by Silent Hill 2 :: US capitol police claim jurisdiction outside of DC :: Are pensions communist? :: Hidden taxes :: The government union busting :: Social security is a pyramid scheme :: The UK age verifying VPNs 2026-02-01 :: Bonnie, Mr.Penguin, Angelo

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We have a master distiller at the bar today and he showed up with plenty of bottles for us to try! Tim Crofton is a master distiller for Ranger Creek, BJJ fighter and army vet. We have been training for this moment since we started the show! If anything we talked about on this show, check out Ranger creeks entire selection at www.drinkrangercreek.comIf you want to make cool stuff with Tim, follow him on Instagram https://www.instagram.com/tim.the.distiller/Pour yourself a damn good cup of Gun Barrel Coffee and kick the day in the balls! Save 10% by using code "FREEDOM" at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://www.gunbarrelcoffee.com/pages/freedom-friends⁠⁠⁠⁠⁠⁠⁠⁠⁠If you want to support the show support us on Patreon! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://patreon.com/freedomfriendspodcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ If you want to get some of the fine smokey treats you see us having, check out ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.warfightertobacco.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ For all your games, drinks and high jinks at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://battlepub.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Follow the guys here ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/warfighter_jon/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/hooliganmikey/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/warfighter_scott/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

In 2020, after surviving a long season of hardship, Janell believed the valley was finally behind her. Life was opening up. Freedom was ahead. Then, on a familiar freeway, everything spiraled out of control. The car wouldn't slow down. The engine screamed louder. The brakes failed. The emergency brake did nothing. Seventy miles an hour… climbing. No way out. No one to help. Except One. In the moment where death felt certain, a voice spoke from behind her: “Do you trust Me? You have to jump.” What followed wasn't just survival—it was an encounter. An ER room. A presence. Eyes filled with peace. A Good Shepherd who draws near when control is gone and fear is everywhere. This is a story about obedience in terror, faith in the shadow of death, and the quiet power of a Savior who does not leave His sheep—before the jump, during the fall, or long after the moment passes. Sometimes the valley you never expected is where you finally meet the Shepherd.Janell Kremer has written a book about her experience called: Now My Eyes See You: When Pain Becomes an Invitation to Encounter God Face-to-Face ---------------------------------------------------------------If you're a fan of true crime but crave a dose of inspiration instead of tales of darkness, The Miracle Files is your perfect alternative. With the same storytelling intensity as true crime podcasts, The Miracle Files delves into the details of each miraculous story, exploring the people and circumstances that turned these moments into something unforgettable. Whether you believe in divine intervention or human perseverance, this podcast will leave you feeling uplifted and amazed. Website: www.themiraclefiles.comPodcast/RSS: https://podcasts.apple.com/us/podcast/the-miracle-files/id1714203488Instagram: https://www.instagram.com/the_miracle_files_podcastFacebook: https://www.facebook.com/profile.phpid=100093613416005&mibextid=LQQJ4dTikTok: https://www.tiktok.com/@the.miracle.files?_t=8rB5ooQd482&_r=1

In this episode, filmmaker Jake Isham shares how he went from making short films to creating content with over one billion views for brands like Grant Cardone and Callaway. Jake discusses the challenge of balancing creative passion with the business side of marketing and explains why every entrepreneur must be willing to put themselves out there to grow. He breaks down the straightforward "Three Ps" process—Produce, Promote, and Persist—to help you stop blending in and start building a reputation that people notice. Listen in to learn how to use simple storytelling to turn your professional experience into a clear, visible advantage Episode Resources: Jake Isham - Creative Minds | LinkedIn   About Our Guest Jake Isham is a filmmaker-turned-brand strategist and creative director who helps founders and entrepreneurs turn their expertise into authority through powerful storytelling.Over the past decade, Jake has worked with more than 150 entrepreneurs and companies including Grant Cardone, Callaway, 5.11 Tactical, and Travis Mathew creating content that's generated over 1 billion views online. Jake focuses on blending his background in filmmaking with deep marketing strategy, with creating digital shows and social media content for CEOs and entrepreneurs to cut through the noise by crafting content that builds trust, drives visibility, and creates true omnipresence across platforms. Whether scaling a founder-led brand or launching a thought leadership show, Jake brings a unique creative lens and proven playbooks that turn storytelling into growth.     About Our Sponsors Navy Federal Credit Union   Navy Federal Credit Union offers exclusive benefits to all of their members. All Veterans, Active Duty and their families can become members. Have you been saving up for the season of cheer and joy that is just around the corner? With Navy Federal Credit Union's cashRewards and cashRewards Plus cards, you could earn a $250 cash bonus when you spend $2,500 in the first 90 days. Offer ends 1/1/26. You could earn up to 2% unlimited cash back with the cashRewards and cashRewards Plus cards. With Navy Federal, members have access to financial advice and money management and 24/7 access to award-winning service. Whether you're a Veteran of the Army, Marine Corps, Navy, Air Force, Space Force or Coast Guard, you and your family can become members. Join now at Navy Federal Credit Union. At Navy Federal, our members are the mission.      Join the conversation on Facebook! Check out Veteran on the Move on Facebook to connect with our guests and other listeners. A place where you can network with other like-minded veterans who are transitioning to entrepreneurship and get updates on people, programs and resources to help you in YOUR transition to entrepreneurship.   Want to be our next guest? Send us an email at interview@veteranonthemove.com.  Did you love this episode? Leave us a 5-star rating and review!  Download Joe Crane's Top 7 Paths to Freedom or get it on your mobile device. Text VETERAN to 38470. Veteran On the Move podcast has published 500 episodes. Our listeners have the opportunity to hear in-depth interviews conducted by host Joe Crane. The podcast features people, programs, and resources to assist veterans in their transition to entrepreneurship.  As a result, Veteran On the Move has over 7,000,000 verified downloads through Stitcher Radio, SoundCloud, iTunes and RSS Feed Syndication making it one of the most popular Military Entrepreneur Shows on the Internet Today.

When Parker J. Palmer was a young man, he became aware of a growing unrest within him. Guided by his inner voice, he turned down prestigious university jobs and instead took a challenging, unstable job in community organizing. Parker then followed his north star again – and moved with his family to live in a radically equal Quaker community for over a decade.   Parker is an activist and author who has written 10 incredibly influential books – including Let Your Life Speak. He founded the Center for Courage & Renewal, which supports leadership, vocation, and community formation. And in 2021, the Freedom of Spirit Fund gave him their Lifetime Achievement Award in honor of work that promotes and protects spiritual freedom. Parker believes that in this moment of instability, finding our internal grounding is more important than ever – and he shares a beautiful ‘circle of trust' practice for listening deeply to others. You'll learn how others are so crucial to tuning into your true inner voice - and how listening to ourselves can then move us out into the wider world. Links and resources:  About Parker J. Palmer Parker's 10 published books About the Center for Courage & Renewal Living the Questions - Parker J. Palmer's Substack The Growing Edge, Parker's project with Carrie Newcomer Parker's collected On Being columns With & For is a podcast of the Thrive Center, an applied research center that exists to catalyze a movement of human thriving, with and for others through spiritual health. Learn more at thethrivecenter.org. Follow us on Instagram @thrivecenter Follow us on LinkedIn @thethrivecenter Dr. Pamela Ebstyne King hosts With & For, and is the Executive Director of the Thrive Center and the Peter L. Benson Professor of Applied Developmental Science at the School of Psychology & Marriage and Family Therapy at Fuller Seminary. Follow her @drpamking. About With & For Host: Pam King Senior Director and Producer: Jill Westbrook Operations Manager: Lauren Kim Social Media & Graphic Designer: Wren Juergensen Senior Producer: Clare Wiley Executive Producer: Jakob Lewis Produced by Great Feeling Studios Special thanks to the team at Fuller Studio and Fuller Seminary's School of Psychology & Marriage and Family Therapy. The podcast was made possible through the support from the John Templeton Foundation. The opinions expressed in this publication are those of the host and guests, and do not necessarily reflect the views of the John Templeton Foundation.

Table of Contents: Updated Group Prayer–List of Current Event Prayer Points–Part 2 Listener Comment: Proverbs 15:10 KJV – “Correction is grievous unto him that forsaketh the way: and he that hateth reproof shall die.” Record 388 Million Christians Face Persecution Worldwide, Open Doors Says: COMING TO AMERICA!  Brave German Woman Rebukes the Islam’s LIE During a Protestant Church Service In Germany Islam Growing Rapidly in the USA USA Riddled With Muslim Somalian Fraud but that isn’t stopping Ilhan Omar’s desperate crusade to cover up her corruption! Blaze Journalist Sara Gonzales Exposes MASSIVE Indian H-1B Visa Fraud In Texas On An Unprecedented Scale! More proof of H1-B Visa Scam Fraud! Trump Tariffs Now Bringing Considerable Destruction to the US–The tariffs are also turning into an enormous boon for China and India to seize the world stage as the newly dominant players—All By Design! Top Headlines From 1-30-26 Confirming all the Sexually Deviant Evil Actions of Trump That We Have Reported on Concentration Camps? Trump Admin Begins Buying ‘Mega' Warehouse Detention Centers Across US ‘They've Given Up on the Country': Inside the Financial Coup | Catherine Austin Fitts CANADIAN GOVERNMENT GUN GRAB COLLAPSING: Cops Tell Ottawa “We’re NOT Coming For You!” THEY'RE TRACKING YOU AT THIS GROCERY STORE – It's Already Happening!!! NYC Supermarket Chain Expands Biometric Surveillance, Collecting Facial, Eye & Voice Data Plus TSA Collecting DNA! The Government Now Wants Every American Wearing a Privacy-Invading Tracking Device  Why is Trump administration supporting Biden's Orwellian mandatory kill switches on all new automobiles? Mandates square with Trump's advancement of a digital surveillance state coming at us from all angles–Vehicles are getting more and more “big brother” every year–New Cars Get MANDATORY KILL SWITCH by 2026–Here’s How Newer Cars are SPYING on Their Owners–Why New Cars Have Become Garbage PDF: Emergency Freedom Alerts 2-2-26 Click Here To Play The Audio Source

Monday, February 2, 2026 Welcome to our Next Generation Roundtable, hosted by Know Why Podcast Host Liberty McArtor. During the first hour, she is joined by speaker and author Patrina Mosley and pastor Joshua Barnes. In the second hour, Podcast host Alyssa Sonnenburg joins Liberty.  They'll be discussing raising children in today's world, ICE and […]

Are the AIs plotting against us? :: Is YouTube already controlled by AI? :: Being nice to AI so it's nice to us :: Peter Thiel anagram is The Reptile :: Guy took all his texts with dead fiancé and put it into AI to pretend AI was her :: Postmodernism and subjective vs objective reality :: Hillary Clinton so disliked that she has to limit comments on her social media :: Bureaucrats admit to making regulations too hard to follow so they can go after you :: Cops are not above just killing you if you don't comply :: Each side thinks they're the counter culture of the other :: Divide and conquer over and over again :: Journalists running cover for Epstein :: Residents leaving New Mexico :: Venezuelan soldiers say the US hit them with energy weapons that made their eyes and ears bleed :: TSA fining people $50 :: 2026-01-31 :: Bonnie, Riley, Angelo

Topics: Law vs Laws in the New Covenant, Understanding New Covenant Grace and Freedom, Jeremiah 31:33 and the Law on Our Hearts, Hebrews 8:10 Meaning, Hebrews 10:16 Explained, the Burden of the 613 Commandments, Law of Moses vs Grace in the Gospel, Are We Still Under the Law of Moses, the Foundation of True Christian Morality, 10 Commandments on the Heart or the Spirit, Your New Identity in Christ Jesus, Colossians 1:22 Holiness through His Blood, the Ministry of Death in 2 Corinthians 3, Galatians 5:18 and Being Led by the Spirit, Righteousness Through Faith and Not Works, Romans 6:14 and Freedom From Sin, Total Freedom From the Law of Condemnation, Lessons on Licentiousness from the Book of Jude, Being Holy and Secure in His Grace, Repentance Toward Grace and Away From Works, Matthew 5:48 Perfection and the Impossible Standard, Living as a New Creation in Christ, Ephesians 2:12 and the Covenants of Promise, Deuteronomy 4:2 Warning Against Adding to the Law, Galatians 3:10 and the Curse of the Law, James 2:10 and the Problem of Double Talk, Romans 7 and the Power of Coveting through 10 Commandments, the Fruit of the Spirit vs Lawful Living, Christ in You the Hope of Glory, God Writing His Character on Your Heart, Why the Law Causes Sin to Increase, the Difference Between Trying and Trusting, Rightly Dividing the Word of Truth, the Law as a Ministry of Condemnation, Why Christians Are Not Under the 10 Commandments, Living by the Spirit of Life, the Transition From Old Covenant to New, the Finished Work of Jesus at the Cross, Finding True Rest in Christ's Accomplishment, Why God Writes Himself on Our Hearts and MindsSupport the showSign up for Matt's free daily devotional! https://mattmcmillen.com/newsletter

We spend so much of our lives trying to prove we matter through what we achieve, build, or maintain. In Philippians 3, Paul explains why even the best résumé cannot give us life and why true joy comes from being found in Christ instead. Join us as we celebrate this shift of the old identity dying and receiving a new one by grace.Catch the sermon on Apple Podcasts, Spotify, or bridge.tv/sermons.To support this ministry and help us continue our God given mission, click here: http://bit.ly/2NZkdrC Support the show

Welcome to the Celestial Insights Podcast, the show that brings the stars down to Earth! Each week, astrologer, coach, and intuitive Celeste Brooks of Astrology by Celeste will be your guide. Her website is astrologybyceleste.com.  

“Freedom To Choose"

In breaking news, the Chief Judge of Minnesota federal courts patience has worn thin with ICE, as he notes in a new order that “ICE has likely violated more court orders in January 2026 than some federal agencies have violated in their entire existence” cataloguing more than 96 violations by ICE and the DOJ in the last 30 days, and threatening to hold someone in contempt if it happens one more time. Popok reports. Freedom from Religion Foundation: Go to https://FFRF.US/NewYear or text "LEGALAF to 511511 today. Visit https://meidasplus.com for more! Learn more about your ad choices. Visit megaphone.fm/adchoices

Niluka Kavanagh, founder of ImagineThat, a network for early-stage entrepreneurs who helps corporate leavers find community, clarity, and their first wins in business.Through The Club and The Academy, Niluka connects founders through roundtables, masterclasses, and a three-month cohort that takes ideas to a first paying client within 90 days.Now, Niluka's journey of leaving London, working across 14 countries, and building three businesses shows how the freedom of entrepreneurship can feel lonely until you create the right community.And while curating a high-quality network and championing real connection in a world of AI and remote work, she's helping founders avoid building in a bubble and grow together with intent.Here's where to find more:https://www.linkedin.com/in/nilukakavanaghhttps://beacons.ai/imaginethatclubhttps://linktr.ee/niluka_kavanagh________________________________________________Welcome to The Unforget Yourself Show where we use the power of woo and the proof of science to help you identify your blind spots, and get over your own bullshit so that you can do the fucking thing you ACTUALLY want to do!We're Mark and Katie, the founders of Unforget Yourself and the creators of the Unforget Yourself System and on this podcast, we're here to share REAL conversations about what goes on inside the heart and minds of those brave and crazy enough to start their own business. From the accidental entrepreneur to the laser-focused CEO, we find out how they got to where they are today, not by hearing the go-to story of their success, but talking about how we all have our own BS to deal with and it's through facing ourselves that we find a way to do the fucking thing.Along the way, we hope to show you that YOU are the most important asset in your business (and your life - duh!). Being a business owner is tough! With vulnerability and humor, we get to the real story behind their success and show you that you're not alone._____________________Find all our links to all the things like the socials, how to work with us and how to apply to be on the podcast here: https://linktr.ee/unforgetyourself

This is Part 5 of *Practical Anarchy – A Guide to Self-Determination*.. Please Like, Comment, Subscribe and Watch the whole series in order. Acknowledgements Dedication Introduction by Mark Sleigh Introduction to the author ► Full playlist:    https://www.youtube.com/playlist?list=PLDT6pJU3_gViYVxWUTl8PcR29sW0GAcQK ► Join the Facebook group: https://www.facebook.com/groups/1864387554451463/permalink/1881786316044920/ ► Buy the book: https://shop.ingramspark.com/b/084?params=9dOIqr4EMtGT3x43Y9bhrmDaCPKCIzif4Y1dUjMvxgr #anarchy #history #politics #counterculture

We close the longest January in recorded history as millions of heavily redacted pages of the Trump/Epstein Files hit the internet; as this criminal organization continues its assault on elections; as this gang of crooks attacks the First Amendment and Freedom of the Press. We finished January with a $1,450 funding deficit. If you can, please consider helping to close that gap by Monday. You can help by mashing the PayPal button here.