Podcasts about Advice

Alderman Bennett Lawson discusses historical developments in his 44th Ward and how that success can be applied across the City of Chicago! Alderman Lawson jumps right in by explaining the successful development in Wrigleyville including partnering with the Ricketts family! He breaks down successful developments including Advocate Masonic Hospital in Lakeview and across the 44th Ward. Alderman Lawson gives practical advice for developers to help increase the chance of having aldermanic support on potential projects! He dives deep on the ADU Pilot Program, its city wide expansion, and how it can best be leveraged to bring much needed housing supply to the city. This show is full of golden insights on Zoning and Development that you won't want to miss! If you enjoy today's episode, please leave us a review and share with someone who may also find value in this content! ============= Connect with Mark and Tom: StraightUpChicagoInvestor.com Email the Show: StraightUpChicagoInvestor@gmail.com Properties for Sale on the North Side?  We want to buy them. Email: StraightUpChicagoInvestor@gmail.com Have a vacancy? We can place your next tenant and give you back 30-40 hours of your time. Learn more: GCRealtyInc.com/tenant-placement Has Property Mgmt become an opportunity cost for you? Let us lower your risk and give you your time back to grow. Learn more: GCRealtyinc.com ============= Guest: Alderman Bennett Lawson, City of Chicago 44th Ward Link: Alderman Lawson's Instagram Link: Chicago ADU Program Link: Chicago's Great Fire (Book Recommendation) Link: Tom Moore (Zoning Attorney) Guest Questions:  01:55 Housing Provider Tip - Leverage rent payment services to allow tenants to build their credit history! 03:38 Intro to our guest, Alderman Lawson! 10:55 The development history of Wrigleyville! 18:20 Previous developments in the 44th Ward. 23:30 Advice for developers seeking support from aldermen. 27:18 The background of the Chicago ADU Program! 31:41 Lessons learned from the ADU Pilot Program. 44:08 Potential solutions for the housing supply issue. 48:50 What is your competitive advantage? 49:11 One piece of advice for new investors. 49:35 What do you do for fun? 49:48 Good book, podcast, or self development activity that you would recommend?  50:48 Local Network Recommendation?  51:15 How can the listeners learn more about you and provide value to you? ----------------- Production House: Flint Stone Media Copyright of Straight Up Chicago Investor 2026.

LIVE SHOW IN Houston Texas June 7th at 7pm! Buy Tickets here: https://www.eventbrite.com/e/bueno-bueno-in-houston-texas-tickets-1988053420297   Call Us To Be On The Show! https://docs.google.com/forms/d/e/1FAIpQLSdV8WNMg69TLL4nYttVh_mKAoLRYzRtnCT226InJqh3ixQR5g/viewform   Do you need to fix your hairline? Use our linker $800 off! https://lp.elithair.com/?ref=1824410002291914768&utm_source=Influencer&utm_medium=referral&utm_campaign=Bueno%20Friends   More Content & Channel Perks With Youtube Memberships! https://www.youtube.com/channel/UCcgSueiSghRsBLNuvK8MOQg/join   Join our Run Club! https://strava.app.link/r3ZRAqsd80b   Want to send us a gift? PO BOX 311145 Fontana, Ca 92331   Follow Us! https://linktr.ee/buenobuenopdc   Saul V Gomez Instagram -  https://www.instagram.com/saulvgomez/ Tik Tok - https://www.tiktok.com/@saulvgomez     Hans Esquivel Instagram - https://www.instagram.com/hans_esquivel/ Tik Tok - https://www.tiktok.com/Hanss444   Rexx Instagram - https://www.instagram.com/rexxb/ Tik Tok - https://www.tiktok.com/@rexx.b1 YouTube - https://www.youtube.com/@UCgf2SoAEsK4EDGWRxfcSJ1w   Time Stamps   0:00 – Intro 9:10 – Role Play Segment 13:35 – How Do I Let My Ex Go? 40:00 – Her Man Won't Make Her Finish 42:15 – Real Talk: Vibrators Are Not the Enemy, Men 47:30 – If He Won't, Another Man Will 52:00 – Advice to Her: How to Have the Conversation 1:07:10 – Foo's Got Talent Merch & Ticket Push 1:08:00 – Why You Should Go Out on a Weekday 1:11:30 – World Cup Watch Party – Riverside June 18th 1:12:20 – Hantavirus Deep Dive: The Cruise Ship Crisis 1:16:55 – Met Gala Breakdown: Latinos Who WENT OFF 1:18:40 – Bad Bunny's Look Explained 1:24:10 – Concert Ticket Epidemic: Why Nobody's Going Anymore 1:25:45 – Russ, Logic & Jeezy: Who's Still Relevant? 1:29:40 – Drake's Iceman Album: Best of the Year Already? 1:32:15 – Executive Producer Shoutouts & Booty Caller Roll Call

Expert car repair advice! Call our show live and get help on the live show. Looking to save money on car repairs? Tune in to our latest episode of Under The Hood for practical automotive advice that can help you avoid costly repairs. 1. How to fix transmission troubles on a 55 Chevy LS engine swap car? 2. How do I fix a slipping transmission park gear on a 75 Chevy truck? 3. Can I use Flex Fuel e85 in my van? 4. Is security anti-theft causing my no start Ford Explorer? 5. Why does my 93 Silverado have no overdrive? 6. How to tell if my Ford fuel pump is failing? 7. Why does my Chevy Sonic have loss of computer data and funky door locks? 8. Adjusting bands in Ram Diesel transmission

I sit down with Tom Gober, a Certified Financial Examiner and Certified Fraud Examiner with 41 years of experience, to discuss the growing problem of private equity, fraud, and reinsurance in the life insurance industry. Tom Gober spent 12 years working with the FBI, uncovering major insurance schemes. Now he's blowing the whistle on the riskiest company, Athene Annuity and Life Company, who's controlled by the massive private equity group, Apollo.Watch the Interview on Youtube for Visuals - https://youtu.be/ftKy6WeTDkIWant Us To Review Your Permanent Life Insurance Policy? Click Here: https://bttr.ly/yt-policy-reviewBuy Your Tickets to the Life Insurance Summit! Click Here: https://betterwealth.com/summitConnect with Tom Gober: https://www.linkedin.com/in/tom-gober-1a827235/Learn More About BetterWealth: https://betterwealth.comChapters:00:00 - Interview Teaser 01:38 - Guest Introduction: Tom Gober 02:31 - Biggest Concerns About The Insurance Industry 03:08 - Capital Surplus 04:16 - Risks of Offshore and Captive Reinsurance 07:42 - Traditional vs. Modern Reinsurance 16:22 - Mutual vs. Stock and Private Equity Insurance Companies 23:44 - Consequences of Insolvency 26:48 - Tom Gober's Backstory: Going Undercover *State Examiner *12-Year Collaboration *Reinsurance Schemes 41:15 - Difference Between Banking Regulation and Insurance Regulation 42:33 - Special Purpose Vehicle (SPV) 47:55 - Why Captives Could Be A Valuable to Insurance Companies 57:03 - The Private Equity "Amplifier" 01:07:43 - Concerns Over Ratings and Loan Covenants 01:13:40 - Deep Dive: Analysis of a Major Carrier 01:24:09 - Excessive Affiliated Investments 01:31:56 - Advice for Consumers and Advisors01:39:29 - Final ThoughtsDISCLAIMER: https://bttr.ly/aapolicy*This video is for entertainment purposes only and is not financial or legal advice. Financial Advice Disclaimer: All content on this channel is for education, discussion, and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of the information on this channel. Neither host nor guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

Chris and Dominick are CHAMPING at the bit to discuss Lauren Sanchez Bezos in this week's Pre-Fixe (not for good reasons) and even the First Monday in May could not bury The Pussycat Dolls canceling their North American Tour and Blake and Justin settling their lawsuits. Then, Charlotte Rose Coleman, Stylist to the Stars (TM) returns to recap the 2026 Met Gala. They discuss the theme (or lack thereof), the hits, the MANY misses, and which people covering the event were the most insufferable!You can find Charlotte at @charlotterosecoleman and @charlotterose_style.You can find Dom at dommentary.com.You can find Chris at @thechrisderosa.Follow the show at @fixingfamouspeople and on YouTube.Subscribe to the Patreon Fixing Bonus People here.You can GIFT the Patreon to someone here.And listen to FREE Examples of the Patreon Bonus Content here!Or Subscribe to A La Carte Episodes in the Apple Podcast App.Pre-Fixe Ends Around 58:10.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

THROWBACK to a Mother's Day episode from quarantine. S H O T S: A fast-paced, high-energy, fully caffeinated, very entertaining, MINI-EPISODE with Billy & Jenn! It's quite literally impossible that you don't laugh or, at the very least, smile a lot! #cheers! _ _ _ _ _Official WebsiteInstagramTwitterFacebookYouTube 

In episode 571 of 'Coffee with Butterscotch,' the brothers dig into whether Steam has quietly become the discovery engine that keeps mobile gaming afloat and what that means for indie devs trying to build a cross-platform strategy. They walk through the realities of mobile pricing, broken app store algorithms, and why chasing discoverability on Google Play or the App Store often feels like shouting into a void.Support How Many Dudes!Official Website: https://www.bscotch.net/games/how-many-dudesTrailer Teaser: https://www.youtube.com/watch?v=IgQM1SceEpISteam Wishlist: https://store.steampowered.com/app/3934270/How_Many_Dudes00:00 Cold Open00:21 Introduction and Welcome01:40 Achievements Development and Ludokit Overview13:40 Mobile Strategy and Pricing Decisions27:45 The State of Mobile Gaming Discoverability29:49 The Role of Steam in Game Success32:48 Cross-Platform Strategies and Pricing38:57 The Impact of Subscription Services on Game Sales43:49 Algorithmic Challenges in Mobile Game Marketing51:50 Final Thoughts on the Future of Indie GamesTo stay up to date with all of our buttery goodness subscribe to the podcast on Apple podcasts (apple.co/1LxNEnk) or wherever you get your audio goodness. If you want to get more involved in the Butterscotch community, hop into our DISCORD server at discord.gg/bscotch and say hello! Submit questions at https://www.bscotch.net/podcast, disclose all of your secrets to podcast@bscotch.net, and send letters, gifts, and tasty treats to https://bit.ly/bscotchmailbox. We also built Ludokit, a tool for managing store pages, promo art, localization, achievements, credits, fonts, change logs, and more. Check it out at https://ludokit.com!Finally, if you'd like to support the show and buy some coffee FOR Butterscotch, head over to https://moneygrab.bscotch.net. ★ Support this podcast ★

RESOURCES- Manifestival™ 2026 is happening in Sedona. A powerful experience to help you release, reset, and step into your next level. Join me: https://danettemay.com/manifestivalAZ2026 - Go to earthechofoods.com and use the code PODCAST at checkout to receive a 15% discount on your first Cacao Bliss or any products order!- Join me in my 30-Day Booty Camp to feel strong, sexy, and radiant in just 15 minutes a day - no gym needed at danettebootycamp.comCONNECT WITH DANETTEInstagram: @thedanettemayFacebook: Danette MayTikTok: @thedanettemayNEW TV Show on Youtube: @TheDanetteMayListen to The Danette May ShowRead my book: danettemay.com/embraceabundancebookGet The Rise book: therisebook.comWork with Danette: danettemay.comIn this episode of The Danette May Show, I sit down with Jessica Zweig for a powerful conversation about building and selling a multi-million dollar business, and how manifestation, intuition, and integrity guided every step. We dive into what it really takes to create a purpose-driven brand, the balance between strategy and spirituality, and how to trust yourself when making high-level decisions in business and life.We also explore spiritual awakening, the concept of a soul blueprint, and how aligning with your truth can unlock greater abundance and success. Whether you are an entrepreneur, aspiring business owner, or someone ready to step into your next level, this episode will shift how you think about wealth, purpose, and what it means to truly create in alignment.IN THIS EPISODE:(4:05) Selling the business(5:41) Earth Echo origin story(8:54) Manifesting the exit(12:02) Codes and business mysticism(14:12) Million dollar integrity decision(17:50) Land rituals and abundance(20:35) Roots and spiritual awakening(23:20) Soul blueprint and soul print(28:00) Egypt remembrance story(31:45) Greece and Crete cave calling(34:37) Fear of being seen(36:24) Showing up authentically(38:22) Yoked with creator(40:12) Wisdom keepers media dream(42:58) Rituals stars and earth connection(45:19) White eagle visitation(47:03) Offerings and integrity(48:45) Launch spiral and reset(52:22) Advice for entrepreneurs(56:14) Quickfire books and rituals(58:51) Alien visitation story(1:05:06) Co creating the new earth

Hayden Dougan joins Locked In with Ian Bick to share his story of spending over 15 years trapped in addiction, in and out of jail and prison. Growing up in Arkansas in a middle-class household after his parents split, Hayden was exposed to drug use early on—even while his parents maintained successful lives. Everything changed after a motorcycle accident left him hooked on drugs, sending him down a spiral that would cost him everything. In this episode, he opens up about losing his sister to addiction, blowing a $500,000 inheritance on drugs, and the reality of being stuck in the cycle of arrests, jail, and prison. He shares what rock bottom really looks like, the mental battle of addiction, and how it slowly takes over every part of your life. Now working to rebuild, Hayden reflects on the mistakes he made and the lessons he learned the hard way. _____________________________________________ #AddictionRecovery #DrugAddiction #LostEverything #TrueStory #ExAddict #RockBottom #LifeStory #lockedinpodcast _____________________________________________ Connect with Hayden Dougan: https://www.facebook.com/hayden.dougan/# _____________________________________________ Hosted, Executive Produced & Edited By Ian Bick: https://www.instagram.com/ian_bick/?hl=en https://ianbick.com/ _____________________________________________ Shop Locked In Merch: http://www.ianbick.com/shop _____________________________________________ Timestamps: 00:00 How Hayden Dugan Became Addicted to Drugs 00:19 Growing Up in a Broken Home 01:42 His Relationship With His Father 03:38 Insecurity, Bullying, and Self-Image 04:49 How School Started Falling Apart 05:13 Addiction in His Family 07:00 The First Time He Tried Drugs 08:36 Getting Into Crime at a Young Age 12:56 First Arrest and Family Reaction 14:15 What Jail Is Like in a Small Town 15:46 First Time Going to Prison 17:15 Losing His Sister to Addiction 19:47 Grief, Isolation, and Getting Worse 21:05 Losing His Inheritance to Drugs 24:34 Rock Bottom Moment 26:33 Who's Really to Blame? 28:33 Final Arrest and Consequences 32:32 Detox and Entering Recovery 37:02 Life After Rehab 41:08 Turning His Life Around 43:18 Regret and Looking Back 45:03 The Swastika Tattoo Mistake 49:49 Long-Term Effects of Addiction 53:34 Finding Purpose After Addiction 55:00 Mentorship and Helping Others 56:32 Speaking Out and Giving Back 57:12 Advice to His Younger Self 57:51 Changes in Drug Laws and Recovery 59:00 Final Thoughts _____________________________________________ To advertise on the show, contact sales@advertisecast.com or visit https://advertising.libsyn.com/LockedInWithIanBicka Learn more about your ad choices. Visit podcastchoices.com/adchoices

In this conversation, Josh Tomeoni shares his transformative journey from a seemingly perfect life to experiencing profound loss and rebuilding. He discusses the importance of authenticity, intrinsic motivation, and the role of service in healing. Josh emphasizes that true growth comes from within and that men must confront their pain to emerge stronger. The dialogue also touches on the significance of faith and connection in personal development, culminating in practical advice for new fathers.Chapters00:00 The Rise and Fall of Josh Tomeoni03:06 Rebuilding from the Ashes06:14 The Importance of Authenticity09:19 The Journey of Self-Discovery12:13 Finding True Motivation15:19 The Party Phase and Its Consequences18:01 Spiritual Awakening and New Purpose21:22 Living the Best Life After Adversity28:28 Facing Life's Challenges Together29:57 Building Resilience Through Support31:24 The Importance of Self-Love and Acceptance33:20 Faith and Connection in Healing36:57 The Dangers of Isolation and Substance Use39:25 Finding Peace Through Service44:36 The Dad Zone: Lightening the Mood48:08 Advice for New DadsClick the link for YDP deals (Triad Math, Forefathers, and more) - https://linktr.ee/youngdadpod Click this link for Pod Launch Coaching- https://linktr.ee/podlaunchcoachingInterested in being a guest on the Young Dad Podcast? Reach out to Jey Young through PodMatch at this link: https://www.joinpodmatch.com/youngdadLastly,consider making a monetary donation to support the Pod, https://buymeacoffee.com/youngdadpod.

Keith explores how real estate investors can use mortgage strategies to build long-term wealth.  Seasoned lending expert and repeat guest Caeli Ridge joins Keith to discuss why debt isn't something to avoid but to optimize, and how negotiating terms can matter more than price. They walk through practical approaches for new and experienced investors, from house hacking to scaling a rental portfolio. The conversation also tackles common myths about qualifying for investment property loans and what really matters to lenders.  Finally, they emphasize focusing on fundamentals—cash flow, risk management, and informed decision-making—rather than fixating on interest rate headlines. Episode Page: GetRichEducation.com/604 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  FAMILY to 66866  Unlock truly passive real estate income—visit flockhomes.com/GRE today to see if your properties qualify for a 721 exchange with Flock Homes. 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 Some mortgage guidance out there is costing you wealth today. I'm talking about how you can negotiate to get better terms. I'll tell you the exact questions to ask. Then a guest clears up mortgage myths and misconceptions and how you can borrow to win today on get rich education   Keith Weinhold  0:28   let me ask you something, if you've worked hard to build wealth, is your money positioned to actually support your goals? A lot of accredited investors leave capital sitting in cash because it feels safe, but inflation and missed income opportunities can quietly erode its value. Freedom family investments offers freedom notes for investors seeking structured income backed by real estate. It's a straightforward approach built on real assets, not speculation and full disclosure. I'm an investor myself. What I like is that their team walks you through how it all works so you can decide if it aligns with your portfolio and income goals. Every investment carries risk and nothing is guaranteed, but with a track record of consistent on time investor payouts, they built real credibility. Go to freedomfamilyinvestments.com to book a clarity call or text family to 66 866, that's family to 6866   Speaker 1  1:32   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  1:48   Welcome to GRE from Albany, New York to Albany, Oregon and across 188 nations worldwide. You're listening to get rich Education. I'm your host. Keith Weinhold, as we know, debt isn't something to avoid. It's something to optimize. As a real estate investor, I would rather have lower mortgage rates than higher ones, and now you can call me Captain Obvious. Yet there are some reasons that higher mortgage rates benefit us as investors, though they're not as great as the lower rates are I'll discuss some of that today. This stuff obviously influences marketplace behavior. In fact, here we are now, years after rates made their historic surge and nearly tripled between 2022 and 2023 and yet still, 70% of mortgage borrowers have an astoundingly rock bottom rate below 5% today, lower than the ocean floor, and they won't sell those properties. That's just one contributor to the low supply hangover that still lingers. Are today's buyers still anchored to an unrealistic baseline. It certainly reframed how investors think about normal borrowing costs and what that word normal means. My first ever rental property, many years ago, was purchased at a 30 year fixed rate of six and three eighths percent. One year later, I got to refinance a full 1% lower at five and three eighths. I'm happy that I bought one I did because starting year earlier, got all my real estate benefits rolling that much sooner, the leverage and everything else, and when I did that, refinance many years ago, from six and three eighths down to five and three eighths, I was able to roll all of my loan refinance costs into the new mortgage balance, and that way I didn't have to pay anything out of pocket. So financing is negotiable. A lot of investors don't realize that buy down your rate if you want roll the loan costs into the loan amount, like I did. In fact, I would usually rather have a higher mortgage rate and then not have to come out of pocket at the table. I would rather do it that way. Sometimes I take a higher rate and even get cash back at the closing table. So I walk away from the closing table with a property and cash, but yet with a bigger mortgage. And what's the strategy there? Well, with more inevitable Inflation, I want to load up on the dollars that I get now and then make those paybacks over the long term with future cheaper, diluted dollars for 360 months, sometimes I don't have to ask the lender for any sort of favor to get that zero help from the lender at the closing table to get cash back. How do I do that? Well, I ask the seller to give me cash at the closing. Closing table in return for offering the seller full asking price, or sometimes even over the asking price. I have done it the strategy of offering full price or even a little more than the full list price. See, that's often easier than getting a price cut from the seller, and that works great, because getting the closing table, cash is going to benefit you more than the price cut would anyway, in almost every circumstance, and when it comes to your lender, ask them questions that cut through the noise. Now, lenders have to make their profits somewhere and stay in business, but I've asked the question, what's the break even point on this rate buy down. That's something you can ask today. That can be an even better question for you to ask of builders with all of the buy downs that they're doing for you now, most people know about a mortgage rate lock. That's when you're in contract to buy a property. At some point, you and your mortgage company, you lock in your rate for, say, 30 to 60 days, and that way, if the rate rises before the deal is completed, you are protected. You are locked in. But some lenders also offer float downs. That's for if you lock and then rates go lower before you get the deal closed. In that case, you get the lower rate, and now you successfully played both sides, but most borrowers don't know to ask about a float down for larger apartment buildings, sometimes you can negotiate away prepayment penalties or instead a shorter penalty window. The thing to keep in mind is that smallest borrowers negotiate price, but savvy investors negotiate structure. That's what we're talking about here, and that's why you often hear that terms are more important than price. So there's plenty of opportunity here, even if historically low rates is not where today's opportunity lies. Today, we're going to discuss some things about mortgages that most people believe but are just flat out wrong. Also, what separates the borrowers who build real estate portfolios from the ones who stay stuck on property one, let's have a conversation with this week's repeat guest, a real favorite here at GRE for her mortgage clarity.   Keith Weinhold  7:35   Hey, the president of ridge lending group, Chaley Ridge is back with us. We'll get into things like rates and loan strategy shortly, but first, let's discuss some fun. What would you do? Chili, what would you do if you're 35 and have 100k to invest in real estate? What's your first move? Ooh, good question.   Caeli Ridge  7:55   So let's think five years ago for me now I'm 35 what would I do if I had that was a joke for all you listeners, obviously, you know, I think that if I could go back and knowing what I know now, I would probably invest that into an owner occupied house hack using an FHA loan. Probably look for newer construction if I could find it, and I would probably target a four unit residential property. I'd probably put three and a half percent down lowest rates with that. FHA, I would leverage my money, and I would get three other tenants in units, two, three and four to pay my mortgage, and then I'd use the rest to go buy an investment property   Keith Weinhold  8:32   much like I started out with the owner occupied four Plex, live in one unit, rent out the other three. FHA, three and a half percent down. What if someone, however, lives in a market where the numbers just don't work and the law really tilts toward the tenant rather than the landlord.   Caeli Ridge  8:47   You know, that's a good point. There's a lot of factors, obviously, right? And there's exceptions to all rules, etc. So I don't want to generalize, but I would probably take the 100,000 and maybe look at some kind of a burr in that case, maybe pivot and do some math and see if buy rehab rent refi might be more applicable. To take that 100 grand and leverage it that dollar bill, as far as I could make it  go   Keith Weinhold  9:10   sometimes you have to get scrappy when you're starting out another what would you do now? Say you've got some more experience. You already own two rentals. How do you scale that to 10.   Caeli Ridge  9:21   You know, my biggest piece of advice for investors, especially newer ish investors, is to make sure that you've got your eye on some level of diversification. Scaling from two to 10 can sound pretty daunting to some people, but I think that diversification advice comes in handy when you're not singularly focused on, let's say, a core philosophy of single family, residence, cash flow only in one market instead, maybe layer in some appreciating markets where you can earn and count on longer burn appreciation that you can then leverage from to then purchase the next to the next to the next, right. Cash. Refinances borrowed funds are non taxable. I would probably say diversification is the core answer to that question. For me,    Keith Weinhold  10:07   yeah, if you've already got two properties, maybe if you've had those for a few years, yes, you can do a cash out refinance and basically use one of your first two properties to fund that third and fourth and so on, right exactly? How about if rates drop 1% tomorrow? What's the next thing you would do? Immediately?    Caeli Ridge  10:29   I would do the math. Is what I would do, Keith, and I know you love that answer. So if I had a portfolio of X number of properties and rates just dropped 1% tomorrow, I would take a hard look at what I had in the queue, and I would say, Okay, how much does a one percentage point rate save me in monthly payment, aka, earn me in cash flow, and what is it going to cost me? It is imperative that the investor is actually doing the math. 1% may sound amazing, but if it's only going to save you 5060, bucks a month, and maybe that's enough, but it might cost you five grand. Does that math work for you? So that's my answer. Do the math?   Keith Weinhold  11:08   Yeah, if rates drop 1% does that make you want to perform more purchases? Does that make you want to refi something that you already have and at the same time that you do that refinance? Okay? That may or may not save you a lot in payment. But another consideration is, okay, well, at the same time you do that refinance, oh, maybe you could take cash out and use it as a down payment for another property, or just use that money for something else,    Caeli Ridge  11:33   absolutely, and you know what we're talking about. That from a purchase perspective, if rates drop 1% tomorrow, from an investment perspective, what do we think is going to happen to the rest of the market? The homeowners are going to be coming out of the woodwork, right? The owner occupied the competition is going to get very, very stiff, steep. I would say that if you are banking on or waiting for rates to do X, Y and Z, you are missing massive opportunities today. So there's a lot of reasons not to hesitate and be waiting on some magic, massive rate drop.   Keith Weinhold  12:04   All right. Well, those were three interesting what would you do scenarios you mentioned the possibility, and it's surely only a possibility that mortgage rates will drop sometime in the near future. Let's expand on that. If someone is indeed waiting for rates to drop. What are they risking in the meantime?   Caeli Ridge  12:25   You know, this is such a good but complicated question. There's a lot of layers to this. If someone has a magic number in their head, again, I'm going to press back and say you have to be doing the math. All right. So a lot of people conveniently, maybe not so conveniently. But a lot of people forget that interest rates, by nature, always drop or reduce much slower than they're going to climb. Okay, historically, go back and do your own research here. Interest rates, when they go up, they tend to kind of go up quickly. When they come down, they really kind of trail, and it's a slow, progressive landing. It's not a quick thing when they come down. So if we know that that's true, or at least historically, that's been true an interest rate reduction of an eighth or a quarter or three, it's of a point. Maybe that takes us a month or two or six or a year. What does that really mean to that payment? You have to be doing the math so, largely dependent on the loan amount. Okay, if you think that interest rates are going to be reduced in a month from now by a quarter of a percentage point, what does that mean to the payment? Does it mean $12 a month? Does it mean $100 a month? And in that scenario, in that calculation, what are you giving up by waiting the month or two or six for a what if I think that you are diminishing your rates of return by waiting on a come that one may never happen, and two, the significance is probably far less relevant than you are giving it credit for.    Keith Weinhold  13:52   Now, I think generally real estate investors want low mortgage rates. Obviously, it gives us a better refinance opportunity. It gives us a better purchase opportunity, potentially, okay. In general, we want lower rates. However, there are some reasons a lot of people don't think about as to why lower mortgage rates are actually bad for a real estate investor. If you just look historically, when have we had extraordinary low mortgage rates here in these past 20 years? Well, they've been to get us out of huge economic problems, late to global financial crisis or the covid pandemic. So if you're wishing for really rock bottom rates, which again, is tempting to do, and is advantageous, in a sense, there is a downside as well. If there are super low rates, a lot of people might be out of work, including your tenants. So that's the reason that we want to be careful as to what we wish for, with rates being super low and artificially low, like they were a couple times in the past two decades. And you know, Caeli another reason why I'm not fully in love. With low mortgage rates, although I liked them, is the fact that I look back and notice as being a property investor for more than two decades now, is that I have had tenants leave when mortgage rates are too low and lending is too easy, especially leading up to the global financial crisis, it was so easy to get first time homebuyer loans at really attractive rates. So I had higher vacancy because mortgage rates were so low that my tenants left and became first time homeowners. So yes, we generally want lower mortgage rates, but there is a downside to that as well.    Caeli Ridge  15:35   And I think there's probably a sweet spot, I think such a good point that most people probably don't think about Keith, and I couldn't agree more, when rates have been at their lowest. To your point, all hell is breaking loose economically in so many other sectors. Yeah, be careful what you wish for.   Keith Weinhold  15:51   Any old time, real estate investor would find it really humorous and almost cute that people think mortgage rates between six and 7% are high. You and I know they're historically low. 7.7% is the long term owner occupied, 30 year fixed mortgage rate going back to 1971 per Freddie Mac the most reliable stat set that we have. But now that we have come up back into what's really a more normal range, just like we started to do in 2022 How should someone think overall in not a high but a higher mortgage rate environment? What are some things that actually matter more now than they did before back five plus years ago?    Caeli Ridge  16:32    I want to give you some statistics. So from 1990 to now, the average owner occupied rate was 6.08 now that's owner occupied, and more often than not, you can add about a point percentage point spread between that and non owner occupied in general. So we are right in line with the last 36 year swing of where interest rates have been. So please keep that in mind. Again, that psychology piece. But overall, I think that what we need to be paying attention to, even if, over the last five years, 10 years, interest rates are a little bit higher than we came to recognize them, the pandemic was an outlier. You guys. Okay, let that lie that's hopefully never to repeat itself. But what we want to be focusing on, and I know that I'm beating a dead horse here, is that you have to get rid of the mental block that you have about that number that we call an interest rate. You need to be looking at a property holistically that says, does it cash flow based on this tenant application? What about this tenant application? What is my exit strategy? Is my property management doing the job that it needs to be doing? Can I trust them to ensure that my vacancy is low? And if I have to evict somebody that they know what they're doing and they know all the rules in the different cities and counties, I think that those are going to be more prevalent to the successful real estate transaction that gives you the financial freedom that you want long term, stop fixating on the rate. That's my advice.    Keith Weinhold  17:53   Some of those operations that you talked about are controllable, and the mortgage rate is largely uncontrollable outside of maybe getting a better credit score to get a lower rate or something like that, focus more on what you can control. And Caeli, you touched on something interesting that I think a lot of people don't understand, and that is investor financing versus owner occupant financing. A lot of people just don't understand the differences as to why investor loans cost more, tell us about that.   Caeli Ridge  18:25   Yeah, good question. It happens to be about secondary markets, so I won't get too technical, but when we talk about mortgage backed securities right Wall Street, and this is an asset class that is bought and sold and traded, etc, etc, there are demands, obviously, and then you've got layers of risk. So the baseline thinking is that an owner occupant is less likely to default on the home that they live in, right? Something is going on financially with them. They've got some hardships, etc. They're going to cut loose the rental property before they're going to default on their primary so that's just kind of the overall basic. There's other variables in there, but that's the one that makes the biggest difference. Is default rates on an owner occupied versus a non owner occupied. Now I may argue, if I can just add to this. So this is a little bit of a history lesson for those that maybe remember or too young to remember this. 08, 09, housing and lending implode on each other in this country, the financial crisis, et cetera, et cetera. It was the Wild West before that. You could have a pulse and get a mortgage, even investors right, 0% down. They had some pretty risky things out there. We didn't do that kind of stuff, but they were out there, and I certainly contributed to what happened with the oh eight financial crisis. So fast forward, and I feel like when things like that, especially in this country, happen and devastate big, huge sectors of our economy, we knee jerk. And we knee jerk in a way that is almost the 180 of irresponsibility. Let me explain so when we talk about what it used to be like, fogging a mirror, right, having a pulse and getting a loan as an investor or anyone. For that matter. Now fast forward to post, 08,09, you've got Dodd Frank, all that sweeping legislation, etc, they raised the qualification bar. Okay, that's fine. Now I want to come into today's space, and I want to give you guys an idea of the qualification markers between an owner occupied let's just use an FHA and a non owner occupied purchase. So you can have 580 credit and put three and a half percent down and have slightly over a 50% debt to income ratio and get an FHA loan, a GSE government sponsored enterprise loan. All right, a non owner occupied you've got to walk on water. Man, I make that dumb joke, files of blood and DNA samples, you've got 20 25% down minimum. You've got to have x higher in credit score, all these extra reserves, etc, etc. So I would argue that secondary mentality, thinking the non owner occupied is, in my opinion, probably a more stable loan as it relates to default. So there's some disconnect. I think that the way that that is thought about in secondary market speak, but maybe a little TMI for the listeners. In any case, that's the reason that they're looked at differently. The ideal, or the idea is, is that the owner occupied is less likely to default than the non owner occupied. I would disagree with that premise,   Keith Weinhold  21:19   and I think you would agree that things are still pretty tight because lending requirements are still pretty rigid, still pretty strict. You have to have a good credit history and assets and income, unlike what we had to have 20 years ago, when I was a real estate investor myself, back when things were irresponsible and back when things were free flowing, and money was flying, and a lot of nefarious things were happening. Even though I had a good credit score all my life, I was the beneficiary of those High Flying Wild West times myself. I remember on the first four Plex I owned after I had moved out of it so I didn't even occupy it anymore, I got a generous appraisal for a 90% combined loan to value, cash out, refinance 90% that I would not get today, no way.   Caeli Ridge  22:10   Yeah, but that knee jerk is, I think, also part of the problem. They go the opposite way that pendulum shift is, I feel like there needs to be a little bit more reasonability in the mix and different markers to justify who should be getting or being able to take advantage.   Keith Weinhold  22:26   When we talk about investor loans versus owner occupied loans, that really begs the question. Now, when does it make sense to house hack versus go straight into investor loans? What are some of the trade offs there.   Caeli Ridge  22:41   I would argue that if you are in a position and you're willing to share your primary residence with you know, tenants house hack is always a great idea, because you've got these great loan terms, you've got this massive leverage, and almost always you've got other people making the entire mortgage payment for you, or the vast majority of that mortgage payment, I'm such a big fan of that is a strategy for real estate investing. You've got to do it right. You got to do it by the rules. But I can't think of a downside if you qualify and you're willing to do that, to live with other people right next door, etc, etc. Some families don't think that that works for them, whatever, but I just think it's a fantastic way to jumpstart someone's real estate investment journey and then continue it. If you do it right every 12 months, then you'll be able to continue to parlay into the next, the next, the next. One thing I would say about that that I don't get a lot of opportunity to talk about, but since we're talking about here, if you're going to house hack and you've got, you know, a duplex, triplex fourplex, and you want to manage it yourself, which I think everybody should be responsible to manage at least one rental property in their lifetime, maybe official, yeah, yeah. More often than not, people will tend to pay for that service down the road. But having the experience is valuable. Do not tell the other tenants that you are the home owner, do yourself a favor and just you're another tenant, but you're taking care of you know, you don't want to let them know that you actually own the property. There's lots of emotional and different things that you want to avoid giving that information away to the tenants.   Keith Weinhold  24:17   I have had two friends, and each friend owned a fourplex, and what they did is they would manage the other person's fourplex. That way, they were able to keep it more professional and less emotional, since it wasn't the owner directly dealing with the tenant, and that provided a buffer that really benefited them. I haven't done that myself, but I found that such an interesting way to approach it?    Caeli Ridge  24:42   Yeah, that's smart. If that ends up being your situation, definitely horse trade that way. Otherwise, you're just a tenant and you can be on call whatever, just avoid giving that information back to the other tenants that may be there.   Keith Weinhold  24:54   Well, there's an underwriting reality out there that chili can share with us versus. Some of the online advice that you get, and what some of the biggest myths are that borrowers believe. We'll talk about that next. You're listening to get rich education. Our guest is Ridge lending Group President chailey Ridge, more we come back. I'm your host. Keith Weinhold.    Keith Weinhold  25:12   Flock homes helps you retire from real estate and landlording, whether it's one problem property or your whole portfolio through a 721 exchange, deferring your capital gains tax and depreciation recapture. It's a strategy long used by the ultra wealthy. Now Mom and Pop landlords can 721 the residential real estate request your initial valuation, see if your properties qualify@flockhomes.com slash, slash GRE, that's F, l, O, C, K, homes.com/gre    Keith Weinhold  25:47   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 prequel 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   Ted Sutton  26:22   Hey, it's corporate directs Ted Sutton, listen to get rich education with Keith Weinhold, and don't quit your Daydream.   Keith Weinhold  26:29    Welcome back to get Rich's case, we're talking with a familiar and recurrent guest Ridge lending group, President Caeli Ridge Kelly, talk to us about your underwriting reality there, versus some of the advice that one gets online sometimes, including what really gets a loan approved with some of those things like income and reserves and DTI.    Caeli Ridge  26:59   You know, this can be so confusing for the consumer, because there are so many different vehicles in which to get Mortgage Funding, and there's something in our industry called an overlay. Okay, an overlay is taking the purest form of a guideline and adding layers of risk to it. I'll give you an example. Let's say that we know, or most of us know that Fannie Mae and Freddie Mac allow for up to 10 finance properties per qualified individual, right? That is a straight Fannie Freddie guideline B of A, and this could be wrong, but a big boy bank may have an overlay and layers of risk that say we will only allow up to four, right? So all of this differing information, conflicting information, when the nice thing with ridges is that we go by the purest form of the guideline, we are not going to impose those overlays. So in working with us, you're always going to be sure that we know exactly what those guidelines are. We know them like our own faces, and that we're not going to impose some additional risk layering or overlay that might prohibit or preclude the qualification. It's pretty basic stuff. I mean, if you're going full doc, Fannie Freddie, and this can apply to our owner occupied and, of course, all of our non owner occupied income, debt to income, credit and assets, it's a pretty basic formula that we use. And then we've got all the other products that we have. Again, knowing those underwriting guidelines like the back of our hand, is very important to making sure that we can navigate the battleship in a creek. That's the analogy that I give that tends to be mortgage lending, or what feels like mortgage lending anyway. So it's pretty basic. We have to understand what the borrower's qualifications are out of the gate, and then we can provide them with a schematic of options that they can tell us which direction they want to go in    Keith Weinhold  28:42   for quite a long time now, one could get 10 conventional investor loans, single or 20 married. It wasn't always that way. I remember attending a real estate workshop in 2012 and you could only get four loans, or at least you could only easily get four investor loans before that expanded to 10. And we just shouldn't always assume that it's going to be this way forever.   Caeli Ridge  29:06   Yeah, so I kind of going back before 08,09, there was no limit to the number of finance properties Fannie and Freddie would secure per individual. After that crash, it shut off, and it got to four to your point. And then it stayed there for a while, until we kind of brought it back to that 10. You know, there's been rumors for years that they're going to up it to 12 or 15 or some random number. I don't even know where it's coming from. I always make a joke and say, Yeah, between now and my death, we'll see that. But it would be nice. It would be nice if they increase that number a few   Keith Weinhold  29:35   now, as someone is qualifying there, you probably run into a lot of borrowers that believe certain myths or have to have misconceptions corrected. Tell us about some of those    Caeli Ridge  29:45   the biggest myths, I'm going to say that it's probably one of three things they believe that they've got to make 10s of 1000s of dollars a month or hundreds of 1000s of dollars a year to qualify. Absolutely not true. It's so much less about the monthly. Income than it is the monthly income in relation to your minimum payments on your credit report. So just as an example, I could have a client that only shows $1,000 a month of income, but if they truly have no debt and some of the other qualifying criteria, they can qualify for a mortgage on an investment property, because the investment property has income to offset that mortgage payment. So it dispel the myth about having massive amounts of monthly income. That's not necessary. It's about the income and your monthly debt that we find on your credit report. That would be the first thing. The other thing, speaking of credit reports, I would say, is that a lot of times, people think that the overall debt that they're carrying matters. I mean, Mr. Jones could have $300,000 worth of debt, but his monthly payments are only 1500 All I care about is that monthly amount. I do not care what the total outstanding debt is. I hear that one a lot inquiries, credit inquiries. Every time you have your credit pulled, it drops the score, 20 points. Not the case. Now I can go down that rabbit hole, Keith, but it is a rabbit hole, so maybe I'll just leave it there. Your credit score does not drop X number every time you have your credit pulled. That's a misnomer.   Keith Weinhold  31:07   Well, actually, that brings up a thought. Then once prospective borrower initiates with you in there and gets the ball rolling in qualifying for a loan, what are some reasons that deals die late in the process? So what does it take to be sure to hold that together?   Caeli Ridge  31:23   You know, I think it all boils down to communication. And we tell our clients this on the front end, treat us like your attorney. You tell us everything, do not own anything, so that we can ensure that we're guiding you appropriately. So lack of information can derail things. Let's say, for example, they change jobs, and it's a completely new line of work, and it could prohibit or preclude the amount of income that we could have we were using now DTI gets changed, or they buy a new car in the middle, and they don't think it's going to come up. And now it's a DTI issue. It can be all kinds of things, but the point there is communication is key. Just keep us informed, and then we will give you the input or advice, and then you do what you want with that. But at least it's not once the bell is rung.   Keith Weinhold  32:05   Live pretty conservatively and safely until that loan closes. Yes, sir. Well, does that bring up any stories? Sometimes people learn better that way. Is there a deal? Perhaps that should have worked, but it didn't.   Caeli Ridge  32:20   That's a good question. You know, I think that the answer is no, and mostly because we have such a diverse menu of loan products, even if something did happen and even if it was outside of anyone's control, let's say we would normally just pivot to another loan product that would accommodate whatever that event ended up being. I cannot think of an example where a deal fell apart that could have gone differently, that we weren't able to just simply pivot into another path and close the loan for    Keith Weinhold  32:49   well, America is a place that promotes entrepreneurship, and it seems like side hustles as well are more popular than they've been before. So can you talk to us about how self employed borrowers get evaluated?    Caeli Ridge  33:04   Yeah, it is different. I mean, the simplest way to describe it is, we're going to take the adjusted gross income, but there are something called add backs. So depending on what their deductions are, there are certain things like Depreciation or Amortization or, I mean, there's a whole slew of things that we're able to take those numbers and add it back into the Adjusted Gross and then divide by 12 or 24 whatever it needs to be. That's typically what we're going to be looking at for a self employed person, versus the straight w2 is just the gross income divided by 12 months.   Keith Weinhold  33:35   Well, Caeli, this has been really good with some strategies and some actionable tactics. Before I ask how one can learn more about ridge? Is there any last thing that you'd like to share with us, whether that's to expand on anything we discussed, or any of the more nascent things that have happened, like banks holding less in capital reserves, or Fannie Mae, except in crypto back mortgages? Is there anything else we really ought to know?    Caeli Ridge  33:57   You know, I think my advice right now for anybody that is in real estate investing, thinking about getting into real estate investing, be informed. Listen to people like Keith, ideally, listen to people like me. I've been doing this for a very, very long time. I'm an educator at heart. Get your information from sources that you can trust, and try to avoid the analysis paralysis the best you can. I know that people get hung up on that, but now is the best time ever, and I would say that tomorrow and the next day and next year and the year after that, to invest in real estate.   Keith Weinhold  34:27   Yes, the only thing that could possibly make now better than ever is now is sooner than it's ever going to be again. Well, Caeli, if someone wants to get a hold of ridge so they can tell you their situation, and you can then help them find out how you can best help. What should they do?    Caeli Ridge  34:43   There's so many ways. Check out our website, ridgelinengroup.com you can email us info@ridgelinengroup.com you can call us toll free at 855, 74, Ridge. All of those ways get to us, and I look forward to speaking with each and every one of you   Keith Weinhold  34:58   that's been valuable. Always It's been great having you here.    Caeli Ridge  35:01   Thanks. Keith   Keith Weinhold  35:08   Caeli brought up a great point from the lender's view, when they make a loan, it might be safer for them to lend on an income property loan, actually, than it is for your own home, because on the income property, you have a substantially higher qualification bar to clear, and you have to make a higher down payment on it. I hadn't thought about it that way before. As far as Fannie Mae accepting crypto backed mortgage structures, that is still new as of this year. How it works with a crypto backed mortgage is that you're usually getting two loans. First you get a normal mortgage, and then for your down payment, it's a separate loan that's backed by your crypto. Your crypto stays locked up for years and you can't trade it while it's pledged as your home down payment. That's generally how it works. But notice the attraction. You would also get to keep your crypto while you're leveraging it. Also notice the risk there, and very few banks offer this, think Coinbase and not JPMorgan Chase. It's still new and niche, and it remains to be seen whether or not crypto backed loans will gain any real traction. It's only likely going to accept Bitcoin, Ethereum or stablecoins, not altcoins. Only about 1% of homebuyers use crypto in transactions. Most of what the current presidential administration has done focuses on making mortgages easier to get, not in making homes cheaper. Making mortgages easier to get means more bidders and higher prices. Washington can make it easier to get a mortgage, but they cannot make a $400,000 property cost $300,000 we talked about how to borrow to win today, and big thanks to our terrific guest. Until next week, I'm your host. Keith Weinhold, though you might quit your day job, don't quit your Daydream.   Speaker 2  37:17   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 you   Keith Weinhold  37:45   The preceding program was brought to you by your home for wealth, building, get richeducation.com  

Today you'll hear one of the great conversations that just took place at our Blister Summit at Snowbird. McKenna Peterson and Anne Wangler talk about their recent trips to Alaska; Caroline Gleich talks about some of the very big objectives she's been working on; and leading the conversation is the multi-talented skier, storyteller, and filmmaker, Sierra Schlag.Note: We Want to Hear From You!We'd love for you to share with us the stories or topics you'd like us to cover next month on Reviewing the News; ask your most pressing mountain town advice questions, or offer your hot takes for us to rate. Email us at: info@blisterreview.com RELATED LINKS: Get Yourself Covered: BLISTER+Enter Our Free Weekly Gear GiveawaysGEAR:30: Blister Summit 2026 RecapTOPICS & TIMES:Shoutout: New BLISTER+ Members (2:09)Introductions (3:34)Imposter Syndrome (14:49)All-Women Crew vs Mixed Crew (17:13)Facing Limitations (21:16)Parental Protection Clauses (26:46)Advice for Women (32:48)Advice for Men (34:06)Silverton Mountain Trip (36:43)More Audience Questions (41:16)How to Get More Women Involved (50:08)CHECK OUT OUR OTHER PODCASTS:Blister CinematicCRAFTEDBikes & Big IdeasGEAR:30 Hosted on Acast. See acast.com/privacy for more information.

Jamel Stevens joins Locked In with Ian Bick to share his story of being sentenced to 50 to life in the California prison system at just 14 years old. Growing up in a single-parent household after his father was sent to prison, Jamel turned to the streets and got involved in gangs at a young age. A gang-related murder charge led to him going to trial as a teenager, where he ultimately lost and was given a life sentence. In this episode, he breaks down what it was like entering prison as a kid, how he survived nearly 15 years behind bars, and the reality of facing decades in prison before his life even started. After changes in the law, Jamel was given a second chance and released, and he reflects on the lessons he learned, the mistakes he made, and how he's rebuilding his life today. _____________________________________________ #PrisonStory #TrueCrime #ExInmate #JuvenileLife #LifeSentence #CaliforniaPrison #WrongPath #lockedinpodcast _____________________________________________ Connect with Jamel Stevens: YouTube: https://www.youtube.com/channel/UCEzVjzHlY-Xz9Gpqg6hBouw Instagram: https://www.instagram.com/big_stay_/ _____________________________________________ Hosted, Executive Produced & Edited By Ian Bick: https://www.instagram.com/ian_bick/?hl=en https://ianbick.com/ _____________________________________________ Shop Locked In Merch: http://www.ianbick.com/shop _____________________________________________ Timestamps: 00:00 Jamal's Early Life & Family Upheaval 03:00 School Troubles & Acting Out 07:30 Junior High and First Gang Activity 11:00 Downward Spiral: Crime & Arrest 14:30 Facing Adult Trial at 14 17:00 Juvenile Detention and Adapting 19:30 Prison Life: High Desert State 24:00 Prison Politics and Lockdowns 28:00 Turning Points: OG Advice & Positive Changes 32:00 Programs, Education & College Inside 36:00 Documentaries & Self-Help Transformation 39:30 COVID-19's Impact & Prison Chaos 43:00 Legal Battles & New Hopes for Release 47:00 Victory, Release, and Reentry Challenges 51:00 Post-Prison Struggles & Family Life 56:30 Mistakes, Custody, and Personal Growth 01:01:00 Giving Back and Community Efforts 01:06:00 Reflection, Accountability & Advice 01:11:00 Redefining Gang Influence 01:14:00 Advice to the Next Generation & Closing _____________________________________________ To advertise on the show, contact sales@advertisecast.com or visit https://advertising.libsyn.com/LockedInWithIanBicka Learn more about your ad choices. Visit podcastchoices.com/adchoices

From $54K to Six Figures — Working Part-Time & Fully Remote What does it look like to leave a career that's draining your time and capping your income and rebuild your professional life entirely on your own terms? Hermela is a former college advisor who pivoted into the Salesforce ecosystem and, in under a year, went from earning $54K with a 2+ hour daily commute to a six-figure job offer. She then strategically negotiated it down to work fewer hours, earn more than ever, and build the life she actually wanted. Today she's a fully independent Salesforce consultant working 15–20 hours a week, on her own schedule, from anywhere in the world. This episode is packed with repeatable strategies: landing your first Salesforce role, leveraging LinkedIn, turning transferable skills into offers, negotiating for time freedom and building toward full financial independence. Episode Timestamps 00:01:16 — Introduction & Guest Welcome: Bradley introduces Hermela and previews her journey from a capped career with a punishing commute to full autonomy as a Salesforce solopreneur. 00:02:54 — Life Before Salesforce: The Commute, the Cap, the Frustration: Hermela describes her previous reality — 2+ hours of daily DC traffic, a student caseload she loved, but an income ceiling that required waiting for someone else to leave just to get a raise. 00:08:01 — How She Landed Her First Salesforce Role in 3–4 Months: Trailhead, an 8-week bootcamp, internal Salesforce implementation experience, and Bradley's LinkedIn tips.  Hermela breaks down her exact preparation playbook. 00:14:48 — Strategic Job Searching: LinkedIn Networking Over Blind Applications: Instead of applying to posted jobs, Hermela messaged employees; it's not about asking for jobs, it's about having genuine conversations and consistently sharing both who you are and what your goals are. 00:33:29 — The Second Jump: Networking Into a $105K Offer: Through consistent networking while employed, a recruiter reached out on behalf of a hiring manager who already knew her name. Hermela landed a $105K offer, nearly double her pre-Salesforce salary. 00:38:27 — The Bold Move: Negotiating Down to 24 Hours/Week: Rather than accept full-time six figures, Hermela negotiated to 24 hours per week at 60% salary — still earning more than her college advisor role — freeing herself up to freelance and eventually go fully independent. 00:54:29 — Hermela's Advice for Anyone Considering This Path: Master your transferable skills, build on Trailhead, use LinkedIn as a landing page, network through real conversations, and tackle goals one step at a time.

Andrew “LuckyChewy” Lichtenberger joins Carlos and Andrew to discuss his unique place in the upper echelons of tournament poker. Is intuition a largely untapped vein of potential poker profit? Can we remember the future? Have extraterrestrials made contact with Andrew? This is one of the most extraordinary conversations we’ve ever had!For more information or to sign up for coaching with Andrew (Brokos), email andrew (at) thinkingpoker (dot) net or DM on Twitter or BlueSky.You can join Andrew and Carlos on ClubWPT Gold by signing up at https://clubwptgold.com/?promo=THINK. You can now get two FREE episodes per week of Thinking Poker Daily.  Andrew Lichtenberger With nearly $25 million in recorded tournament cashes alone, Andrew “LuckyChewy” Lichtenberger is one of the most successful poker players of all time. He’s also a father, a seeker, and the former CEO of Octopi Poker.  Twitter Link

Elevated Man Podcast with Apollonia Ponti  Navigating Life's Seasons: Honest Lessons on Growth, Motherhood, and Emotional Strength with Apollonia Ponti In this episode, Apollonia Ponti opens up about her current "pause" season in life and what it truly means to slow down, reflect, and grow. She shares honest insights about the challenges of balancing business and parenthood, revealing the often harsh realities behind it. Apollonia also explores how different seasons of life can impact relationships, and why feeling "stuck" may actually be a necessary part of personal development. Drawing from her experience traveling to Spain, she reflects on how it reshaped her perspective on motherhood and presence. The conversation dives into the importance of emotional regulation over strict discipline, highlighting how self-awareness leads to more sustainable growth. Throughout the episode, Apollonia shares the key lessons she's learning in her current phase—encouraging listeners to trust their timing, embrace uncertainty, and understand that growth isn't always visible. Key points in this episode! 0:36 – Podcast Introduction and Overview of the Episode 1:29 – Apollonia's Current Life Situation and Why She Feels on Pause 2:00 – Honest Reflections on the Direction Her Life Is Taking 4:04 – The Reality of Running a Business While Being a Parent 6:38 – How Different Life Seasons Impact Relationships 7:54 – Lessons on Motherhood from Her Trip to Spain 9:11 – Advice for Those Feeling Stuck in Their Current Season of Life 11:12 – Why Emotional Regulation Is More Effective Than Strict Discipline 13:36 – What This Current Season Is Teaching Apollonia 15:20 – Key Life Lessons and Takeaways for Listeners Applying for a coaching or consultation call with Apollonia Ponti apply-->  here!  "I love Apollonia; her tips have helped me with my dating!" , scroll to the bottom to Rating & Reviews, and click on Write a Review.   Want more dating advice? Follow Apollonia On:  Instagram; https://www.instagram.com/apollonia_ponti/?hl=en Facebook; https://m.facebook.com/apollonialovecoach Website; https://www.apolloniaponti.com/ Listen and Subscribe to the Write Your Legend Podcast with Apollonia Ponti on iTunes, Spotify, Stitcher, and the CLNS Media Network mobile app. dating with intention, high value man, masculine energy, men's dating advice, confidence in dating, emotional control, Apollonia Ponti, The Elevated Man Podcast, dating tips for men, relationship coaching

Hour 3: 05/04/2026

What has happened here? Charlie Slowes, the Nats' radio voice, joins the show.

Show Notes for Episode: When FINE Isn't FINE Introduction to Weather Discussion: Bobby and Wally kick off the episode by sharing their experiences with poor weather in Houston, Texas, highlighting how a seemingly "fine" day can quickly turn dangerous. They discuss the impact of weather on flight training and general aviation operations. Personal Stories of Weather Mishaps: Bobby recounts a flight where he underestimated clouds during a trip to Brenham, Texas, leading to a necessary turnaround. Wally shares his encounter with rime icing in the Saratoga and how it affected his flight decisions, stressing the importance of early recognition of risks. Historical Aviation Accidents: The hosts review key incidents, including Delta Flight 191 (microburst crash), Southern Airways Flight 242 (hail encounter), and Braniff Flight 352 (thunderstorm entry). These examples illustrate how poor weather planning can lead to tragic outcomes and underscore the evolution of weather information availability since the 1980s. Weather Tools and Resources: They recommend the Windy app for visualizing wind patterns and forecasts, originally designed for sailors. Other concepts covered include monitoring pressure changes, temperature-dew point spreads for predicting fog or clouds, and using ADS-B data for real-time weather updates. Subtle Signs and Decision-Making: Bobby and Wally discuss overlooked indicators like altimeter settings (low pressure signals bad weather), wind gradients, and temperature inversions. They advise pilots to check weather from broader areas and avoid locking into a single source like a METAR. Personal Minimums for Safer Flying: The episode emphasizes establishing and adhering to personal limits, such as wind speeds, icing altitudes, and fuel reserves. Wally suggests limits for new pilots, including wind restrictions, ceiling/visibility minimums, and landing with ample fuel. Advice for New Pilots: For those who just passed their private pilot checkride, the hosts recommend focusing on wind, ceilings/visibility, and fuel as core personal minimums. They encourage using tools like the FAA's lapse rate for cloud base calculations and always prioritizing safety over ego. Key Resources and Concepts Mentioned: Windy App: A free app for wind and weather visualization FAA Weather Resources: Including METARs, ATIS, and understanding lapse rates Personal Minimums: Custom rules for safer flying General Advice: Monitor pressure drops, temperature-dew point spreads, and always have a turn-back plan

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In this episode of the Chasing Giants Podcast, Terry and Don kick things off with an emotional and heartfelt update on Robin's health journey following their visit to the Mayo Clinic. Don shares the overwhelming support, prayers, and messages they've received—and the peace that has come with it as they prepare for surgery. This episode is a powerful reminder of faith, community, and the impact of prayer. From there, the conversation shifts into what Chasing Giants does best—real-world whitetail strategy. Don and Terry break down current spring food plot conditions, discuss planting timing, and explain how weather can completely change even the best-laid plans. They also dive into: - Corn vs. soybean planting timing strategy - How heavy rain can impact food plots - Why patience matters with soil temperature - Common mistakes land managers make - How to identify bad hunting advice online - The importance of sanctuaries and minimizing intrusion This episode blends real life, real hunting, and real strategy—exactly what the Chasing Giants audience expects. Sponsors: Asio Gear – https://asiogear.com Real World Wildlife Products – https://realworldwildlifeproducts.com Hawke Optics – https://us.hawkeoptics.com Novix Outdoors – https://novixoutdoors.com Midwest Land Group – https://midwestlandgroup.com 360 Hunting Blinds – https://360huntingblinds.com Mike's Mighty Micros – https://mikesmightymicros.com Gingerich Tree Farm – https://gingerichtreefarm.com TagOut Technique – https://tagouttechnique.com Grubb Implement – https://grubbimplement.com Brenton USA – https://brentonusa.com Mathews Archery – https://mathewsinc.com Victory Auto Group – https://victorykc.com Wildlife Farming – https://wildlifefarming.com WiseEye Technologies – https://wiseeyetech.com DISCLAIMER: The views and opinions expressed in this podcast are those of the hosts and guests and do not necessarily reflect the official policy or position of any sponsors or affiliated companies. © Chasing Giants. All rights reserved. This content may not be reproduced or distributed without written permission.

Handel on the Law. Marginal Legal Advice. See omnystudio.com/listener for privacy information.

Handel on the Law. Marginal Legal Advice.See omnystudio.com/listener for privacy information.

Handel on the Law. Marginal Legal Advice.See omnystudio.com/listener for privacy information.

Voice actress Sarah Natochenny (Pokémon) joins Nicole for a chat about how voicing Ash Ketchum inspired her to become the adventurous protagonist of her own life. Sarah shares her method for vetting a first date, why she has absolutely zero tolerance for men who neg her, and why animal companions (like her cat, Pikachu) will always be better than a boyfriend. Plus, the gals discuss Cher's wild 40-year age gap relationship, share tips for traveling solo as a single woman, and Nicole recounts a horrifying road rage incident that still haunts her.Watch this episode on our YouTube channel at https://www.youtube.com/@WhyWontYouDateMePodcastTake our listener survey and shape the future of the podcast!Support this podcast and get discounts by checking out our sponsors:• Jones Road Beauty: Use code DATEME at jonesroadbeauty.com to get a Free Gift with your first purchase! #JonesRoadBeauty #ad • Cash App: Download Cash App Today: https://capl.onelink.me/vFut/3v6r90n6 #CashAppPod. Cash App is a financial services platform, not a bank. Banking services provided by Cash App's bank partner(s). Prepaid debit cards issued by Sutton Bank, Member FDIC. See terms and conditions at https://cash.app/legal/us/en-us/card-agreement. Discounts and promotions provided by Cash App, a Block, Inc. brand. Visit http://cash.app/legal/podcast for full disclosures.• BetterHelp: This show is sponsored by BetterHelp. Visit betterhelp.com/dateme today to get 10% off your first month.• Quince: Head to quince.com/dateme for free shipping on your order and 365-day returns. Now available in Canada, too. Follow:All Links: linktr.ee/whywontyoudatemeTour Dates: linktr.ee/nicolebyerwastakenYouTube: @WhyWontYouDateMePodcastTikTok: @whywontyoudatemepod Instagram: @nicolebyerX: @nicolebyerThis is a Headgum podcast. Advertise on Why Won't You Date Me? via Gumball.fm.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Monty Garside. A full-time attorney turned baker and founder of Confectionist Bakery. Here are some key highlights from the episode:

Thanks to Somnus Lab and Heavenly Heat Saunas for sponsoring this video! Get 10% off your Cooling Sleep System with code FLO at https://somnuslab.com | Get 6% off your sauna with code FLO at https://www.heavenlyheatsaunas.com/discount/FLO   At 58 years old, Albert Shank is still running strong, climbing mountains, and proving that your best running years don't have to be behind you. Coach Albert shares powerful lessons on low heart rate training, Zone 2 running, strength training, injury prevention, recovery, and longevity.   Watch the full video on YouTube: https://youtu.be/plLtVFuBfAI    Chapters:  0:00 — Introducing Albert Shank 1:55 — Somnus Lab Sponsorship 2:57 — How to enjoy running for decades 3:43 — Albert's 58K Grand Canyon birthday adventure 4:10 — How Albert discovered low heart rate training 9:12 — Advice for new low heart rate runners 15:17 — What Albert understands about MAF training now 17:01 — Heavenly Heat Saunas Sponsorship 18:07 — Common mistakes in low heart rate training 25:01 — How to coach athletes in early frustration phase 28:35 — Adjusting for heat, stress, sleep, and illness 30:00 — Albert's current running and injury recovery 32:06 — How heart rate zones change with age 34:36 — Strength training for healthy aging 40:12 — Daily movement habits that build strength 46:00 — Keeping heart rate low on hills 50:18 — Treadmill vs outdoor running for heart rate training 51:27 — Weekly volume for runners over 40 54:29 — Cross-training for longevity 57:05 — Keeping running joyful and playful 59:55 — How training changes in your late 50s 1:13:55 — Cycling heart rate vs running heart rate 1:22:17 — Low heart rate running and keto: pros & cons 1:25:07 — Your best running years may not be behind you 1:27:17 — Does running performance have to drop with age? 1:29:23 — The advice Albert repeats most often 1:30:17 — Where to find Albert 1:30:59 —How to become a stronger, healthier, happier athlete   FIND ALBERT SHANK: ► Strava: https://www.strava.com/athletes/26803675 ► Website: https://hillrunner50.wixsite.com/hillrunner50   LINKS & TOOLS MENTIONED ► Somnus Lab (Code: FLO for 10% off : https://somnuslab.com ► Heavenly Heat Saunas (Code: FLO for 6% off): https://heavenlyheatsaunas.com ► Ryan Hall Episode: https://youtu.be/lHCA5AxPgb0 ► Dr. Rangan Chatterjee Episode: https://youtu.be/mF0CCpy3Dzo ► Lawrence van Lingen Episode: https://youtu.be/zDJrNa-tO8c  FIND FLORIS GIERMAN: ► Running Breakthroughs Book: https://florisgierman.com ► Personal Best Coaching Program: https://www.skool.com/personalbest ► Podcast: https://extramilest.com/podcast ► Strava: https://www.strava.com/athletes/1329785 ► Instagram: https://www.instagram.com/florisgierman ► Extramilest Website: https://extramilest.com ► Path Projects: https://pathprojects.com ABOUT THE EXTRAMILEST SHOW: A podcast and YouTube channel where host Floris Gierman interviews world class athletes, coaches, and health experts on how to become a stronger, healthier, and happier athlete. Learn more about our running coaching program at https://www.pbprogram.com    Affiliate Disclosure: Some links above are affiliate links. I may earn a small commission at no extra cost to you.   Subscribe and hit the bell to see new videos: https://bit.ly/Flo-YT   #runningtips #marathontraining #runningmotivation #endurancetraining #marathon #running 

What really happens behind the scenes for basketball referees? In this episode of The Gametime Guru Podcast, I sit down with Paul Diasparra, the founder of Crown Refs, to talk about the side of basketball that coaches, players, parents, and fans often misunderstand: officiating. I'll be honest, those who know me know referees and I have not always seen eye-to-eye. As a former player and now as a coach, I've had my share of frustrations with officials. But that's exactly why this conversation was so valuable. Paul gives us a behind-the-scenes look at what basketball officials go through before, during, and after games. We talk about how referees prepare, how they study film, how they communicate with coaches, how they handle missed calls, and why the "next play mentality" matters just as much for officials as it does for athletes. We also get into one of the biggest issues in youth and high school sports today: the shortage of referees. Paul explains why so many officials are leaving the game, how parents and coaches can be better, and why respect, sportsmanship, and emotional intelligence matter if we want to improve the game as a whole. Paul has built Crown Refs into a powerful training platform and community for officials who want to perfect their craft. From film breakdowns and mentorship to camps and communication training, Crown Refs is helping officials grow and stay connected to the game. In this episode, we discuss: How Paul got started in basketball and officiating The origin story behind Crown Refs Why there is a shortage of youth and high school referees How coaches should communicate with officials Why respectful questions get better answers How referees study film and break down plays What officials look for with positioning, whistle timing, and signals How referees handle missed calls and move on The physical demands of officiating basketball Why health, fitness, and nutrition matter for referees How officials work together as a crew Advice for young referees who want to stay involved in the game Where Crown Refs is headed in the future Whether you are a coach, player, parent, referee, or sports fan, this conversation will help you see the game from a different lens. Follow Paul and Crown Refs: Instagram: @crownrefs TikTok: @crownrefs YouTube: Crown Refs Patreon: Crown Refs Make sure to subscribe to The Gametime Guru Podcast for more conversations with athletes, coaches, officials, and sports figures from around the world.  

Britney Spears is out of rehab and back in the headlines after being charged in California with misdemeanor DUI following an alleged erratic driving incident in Ventura County. Emily Blunt is facing fierce backlash after fans blasted her as “tone-deaf” for telling unhappy workers to quit jobs they hate — even if it means making no money. And Goldie Hawn is offering a rare dose of romance, sharing that the secret to her 43-year love story with Kurt Russell is simple: give each other freedom, put family first, and never try to control one another. Rob’s latest exclusives and insider reporting can be found at robshuter.substack.com My novel, It Started With A Whisper, is available now See omnystudio.com/listener for privacy information.

Claire and Lyle went for a bike ride on their first date - but what happened to make Lyle stop responding? Find out in this all-new 2nd Date Update!

Do you face towards or away from the water when you shower? That's the Hot Topic, plus an all-new 2nd Date Update and Normal or Nope in today's episode!

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Monty Garside. A full-time attorney turned baker and founder of Confectionist Bakery. Here are some key highlights from the episode:

Screens—and managing them—have become one of the biggest daily struggles for parents today. In today's episode, I'm joined by Michaeleen Doucleff, author of Dopamine Kids, and this conversation felt both grounding and eye-opening. Like so many of us, she found herself struggling with screens and ultra-processed foods in her own homeand instead of blaming or restricting harder, she got curious about what's really going on underneath. We talk about what dopamine actually isand the myths we've gotten wrong. Why the pull toward scrolling and "easy" rewards is so powerful, and what it really means to help kids (and ourselves) do hard things. She introduces her model for understanding what she calls "dopamine magnets," how to curate the cues in our environment, and why resistance alone doesn't work.  

#thePOZcast is proudly brought to you by Fountain - the leading enterprise platform for workforce management. Our platform enables companies to support their frontline workers from job application to departure. Fountain elevates the hiring, management, and retention of frontline workers at scale. To learn more, please visit: https://www.fountain.com/?utm_source=shrm-2024&utm_medium=event&utm_campaign=shrm-2024-podcast-adam-posner. Thanks for listening, and please follow us on Insta @NHPTalent and www.youtube.com/thePOZcast For all episodes, please check out www.thePOZcast.com   Key Topics: - Toxicity recognition and avoidance - Self-awareness and personal growth - Building positive relationships and boundaries   Chapters 00:00 Introduction and Guest Credibility 01:12 Celebrating Milestones and Self-Care 01:43 Origin of the Book Title and Advice from Lee Steinberg 03:07 Marketing the Book and Its Impact 04:17 Why Now is the Right Time for This Message 05:22 Lessons Learned from Writing the Book 07:32 Personal Story of Loss and Spiritual Growth 08:36 Recognizing Toxicity and Patterns Early 12:09 The Role of Gratitude and Forgiveness 14:37 Responding to Fear and Resistance 16:45 The Power of Taking a Pause and Recenter 17:49 Why People Tolerate Toxic Relationships 19:32 Creating a Filter for Choosing the Right People 21:35 Protecting Your Time and Energy 23:27 Aligning Past, Present, and Future for Success 26:34 Defining Success as the Pursuit of Potential 27:30 Offering Resources and Final Words of Wisdom

Gaten Matarazzo (Stranger Things) joins Chelsea to discuss why long-distance works in his long-term relationship, the Pork Roll vs. Taylor Ham drama, and why dog people might be assholes. Then: AI memes have one listener rolling her eyes. A new girlfriend is destroying a friendship. And a caller wants to give a big gift - but are there strings attached? * Check out Pizza Movie on Hulu and Animal Farm in theaters now! * Need some advice from Chelsea? Email us at DearChelseaPodcast@gmail.com * Executive Producer Catherine Law Edited & Engineered by Brad Dickert * * * The views and opinions expressed are solely those of the Podcast author, or individuals participating in the Podcast, and do not represent the opinions of iHeartMedia or its employees. This Podcast should not be used as medical advice, mental health advice, mental health counseling or therapy, or as imparting any health care recommendations at all. Individuals are advised to seek independent medical, counseling advice and/or therapy from a competent health care professional with respect to any medical condition, mental health issues, health inquiry or matter, including matters discussed on this Podcast. Guests and listeners should not rely on matters discussed in the Podcast and shall not act or shall refrain from acting based on information contained in the Podcast without first seeking independent medical advice. See omnystudio.com/listener for privacy information.

This week on CockTales: Dirty Discussions, we're unpacking a word we use all the time but rarely question… deserve.What does it actually mean to deserve something? Is it earned… aligned… or just something we say we want?From dating standards and “soft life” expectations to the reality of accepting less than we claim we deserve, we get real about confidence, self-worth, and the disconnect between what we say and how we move.Plus, one of us shares a wild dating story that quickly turned into a lesson in knowing when to walk away… immediately. If you've ever said “I deserve better” but stayed anyway… this episode is for you.Offers From Our Sponsors:Soaking Wet- VB HealthVisit soakingwet.com and use code CockTales for 10% offSuper.comStart building your credit the easy way. Go to Super.com/credit right now to see how Super+ can help you boost your credit score.MORE OFFERS:BROOKLYN BEDDINGGo to brooklynbedding.com and use my promo code COCKTALESPOD at checkout to get 30% off sitewide. This offer is not available anywhere else.Go to BrelloHealth.com to see if you qualify and explore their GLP-1 plans, starting at $133 per month for your first three months, plus access to their app, community, and wellness classes. IndaCloudIf you're 21 or older, get 40% OFF your first order @IndaCloud with code COCKTALES at https://inda.shop/COCKTALES! #indacloudpodSuper.comStart building your credit the easy way. Go to Super.com/credit right now to see how Super+ can help you boost your credit score.Contact us!Advice: advice@cocktalespod.comCockTales: cocktales@cocktalespod.comYou can also leave a voicemail instead of an email for advice and cocktales!! 404-692-0039Join Patreon to help support the show! www.patreon.com/cocktalesGet Your Merch & Order Your Card Game  www.imcurioustoknow.comBali With Kiki! The Travel Tribe Experience: https://travel.kikisaidso.com/BaliGet Klassy Baste! Learn to Cook with Kiki www.klassybaste.comJoin Kiki's Book www.patreon.com/kikisaidsoTravel With Medinah! https://paradiseandvibe.comDONATE TO MEALS ON WHEELS ATLANTA (MOWA)- https://www.mowatl.org/donationsMOWA TASTE May 29, 2026 LINK : onecau.se/_fv6xa1Dear Lover Girl : https://dearlovergirlbymedinah.substack.com/?r=qjp94&utm_campaign=pub-share-checklistBecome a supporter of this podcast: https://www.spreaker.com/podcast/cocktales-dirty-discussions--2818687/support.CONNECT WITH USFollow the hosts and join the conversation after the episode:Kiki Said So (Kiara Walker)Instagram: @kikisaidsoTikTok: @kikisaidsoMedinah MonroeInstagram: @coffeebeandeanTikTok: @medinahmonroeCockTales: Dirty Discussions PodcastInstagram:@cocktalespodcastTikTok: @cocktalespodcastWant to be a guest on CockTales: Dirty Discussions?We are always looking for interesting guests, experts, and storytellers to join the show. If you would like to be considered, please fill out our guest submission form here:Guest Interest Form

In this special live panel session recorded at the 7th Annual HVAC/R Training Symposium, the three founders of Kalos Services — Bryan Orr, his father Robert (Bob) Orr, and uncle Keith Huntington — sit down together to celebrate the company's 20th anniversary and answer questions from the audience and online attendees. Hosted by Bert, the conversation blends humor, hard-earned wisdom, and surprising candor about what it actually takes to build and sustain a trades business over two decades. From humble beginnings with $100,000 in startup capital to managing multi-million-dollar commercial contracts today, the founders pull back the curtain on the messy, unpredictable, and deeply human reality of entrepreneurship in the skilled trades. A recurring theme throughout the panel is that starting a business requires far more than technical skill — it demands grit, personal support, and an almost stubborn refusal to outspend your income. Bryan shares a raw, memorable story about living in a double-wide trailer with seven kids while Kalos was already nine years old, choosing to improvise a drainage workaround rather than take on debt he couldn't afford. The founders agree that the number-one ingredient for small business survival is grit — the ability to wake up the next morning after a terrible day and take the next step anyway. Robert adds a philosophical note that extreme negative emotions in business are almost never accurate; they pass, and tomorrow tends to look better than the night before suggested it would. One of the most discussed topics in the panel is how to motivate technicians to care about quality — not just revenue targets. Bryan makes a pointed distinction: if you build a compensation system optimized purely for money, you attract people who are only motivated by money. Instead, he advocates building a culture where belonging is tied to quality of work. Practical tools like daily photo-posting of installs in Google Chat, public shout-outs for great work, and peer commentary create an environment where craftspeople hold each other to a standard — not because they're forced to, but because it's who they are. Keith echoes this, emphasizing that most technician frustration stems not from laziness but from unclear systems and expectations set by leadership. When people don't know what's expected, they disengage — and that's a leadership problem, not a people problem. The panel also dives into the nuances of running a family business, with all three founders offering surprisingly candid takes. Keith notes that the key to 20 relatively friction-free years has been that all three founders are "120 degrees different" from each other — their strengths don't overlap, so they rarely fight over territory. Bryan adds that healthy family businesses require the ability to have real conflict for the sake of mission, not just harmony. He also speaks to the importance of organizational structure when family members are involved: his own son Gavin, at 21 years old, works at Kalos but reports through multiple layers of management precisely so Bryan doesn't micromanage him. The session closes with reflections on the riskiest moments in the company's history — and Bryan's honest admission that four weeks prior to the symposium ranked among the most stressful, as large promised contracts delayed in paperwork can shake even an established business to its core. Topics Covered Expanding HVAC services into electrical and plumbing — what technicians can realistically do and when to partner with specialists The real prerequisites for going out on your own: craft knowledge, personal support system, and financial discipline Why grit — not capital or credentials — is the single most important ingredient for small business survival How to attract technicians who genuinely care about quality, not just technicians who chase commissions Using internal tools like Google Chat to reinforce a culture of craftsmanship and peer accountability The danger of building systems that look great on paper but don't survive contact with real-world field conditions Advice on contractor mentoring programs — how to absorb outside coaching without losing your own identity and standards Lessons from running a family business: complementary roles, honest conflict, and the importance of organizational separation How Kalos Services grew from $100,000 in startup capital to a multi-trade general contractor over 20 years The role of visionary vs. operator personalities in a founding team, and why both are essential The founders' biggest career mistakes — including owning full responsibility for a six-figure grocery store power outage Why private equity growth models don't translate to owner-operated trades businesses Hiring to fill your weaknesses: from permitting to office management, delegating what you hate frees you to lead Recommended training resources: HVAC School, Ty Craig / Skill Cat, Ruth King, ESCO, and Dirk Nauman Why the riskiest stage of business is never behind you — it scales with the size of your contracts   Have a question that you want us to answer on the podcast? Submit your questions at https://www.speakpipe.com/hvacschool. Purchase your tickets or learn more about the 7th Annual HVACR Training Symposium at https://hvacrschool.com/symposium. Subscribe to our podcast on your iPhone or Android. Subscribe to our YouTube channel. Check out our handy calculators here or on the HVAC School Mobile App for Apple and Android.

The guys catch up before open testing this week. Hinch brings up a debate topic: what's more important: 33 cars starting the 500, or bumping. Plus, Alex is going open testing, Thim gave a tour of other team garages, and more. +++ Off Track is part of the SiriusXM Sports Podcast Network. If you enjoyed this episode and want to hear more, please give a 5-star rating and leave a review. Subscribe today wherever you stream your podcasts. Want some Off Track swag? Check out our store! Check out our website, www.askofftrack.com Subscribe to our YouTube Channel. Want some advice? Send your questions in for Ask Alex to AskOffTrack@gmail.com Follow us on Twitter at @askofftrack. Or individually at @Hinchtown, @AlexanderRossi, and @TheTimDurham. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

What's the true emotional cost of starting a business on your own? Just ask Stacey Fraser, founder and CEO of Pink Chicken. She sacrificed years of social events, shed tears over countless finance meetings, and carried the weight of being responsible for dozens of employees. In this week's episode of Superwomen, she gets real about what it really takes to build a successful company – and to keep it going when problems arise. This year, Pink Chicken is celebrating 20 years of operation and has 11 retail stores across the country. But behind the vintage-inspired textiles is a story of humble beginnings, putting out fires, and one woman learning the price of making her dream a reality. This one gets emotional at times, but in the end, you'll understand why the hard work is worth it. Episode Guide: (00:00) Meet Stacey Fraser, founder of Pink Chicken (03:01) Building a brand from scratch (04:46) How they created a fun store experience for kids (05:52) Managing cash flow and growth as a solo founder (08:46) Navigating the pandemic (1:50) Retail struggles + challenges of expanding stores (12:14) Importance of Pink Chicken's company culture (13:28) Why working with kids keeps Stacey inspired (15:58) Managing family and career as a founder (20:37) Shift from overworking to healthier habits (23:54) Celebrating Pink Chicken's 20-year anniversary (31:10) Advice for aspiring entrepreneurs Learn more about your ad choices. Visit megaphone.fm/adchoices

The crew also reacts to Jay‑Z’s advice to seasoned artists, where he stresses the importance of authenticity and warns against chasing youth trends instead of telling real, lived stories—wisdom that resonates far beyond music and into everyday life and career longevity. See omnystudio.com/listener for privacy information.

This episode of The Rickey Smiley Morning Show Podcast kicks off with faith, humor, and urgency, setting the tone for a wide‑ranging conversation that blends culture, politics, and entertainment. One of the biggest headlines is the announcement of Rick Ross vs. French Montana in the upcoming Verzuz battle, sparking debate about hits, catalogs, and who really has the upper hand. The crew also reacts to Jay‑Z’s advice to seasoned artists, where he stresses the importance of authenticity and warns against chasing youth trends instead of telling real, lived stories—wisdom that resonates far beyond music and into everyday life and career longevity. The show also highlights a major in‑studio moment as R&B legends Xscape join the RSMS crew, reflecting on their decades‑long career, sisterhood, motherhood, and what has sustained their success. On the civic side, the conversation turns serious with a breakdown of early voting in Georgia, emphasizing how recent Supreme Court decisions and redistricting battles make local and state elections more critical than ever. Website: https://www.urban1podcasts.com/rickey-smiley-morning-show See omnystudio.com/listener for privacy information.

In this episode of Healthy Wealthy & Smart, join Dr. Karen Litzy, PT, DPT as she explores the inspiring journey of a family-led physical therapy business with guests Hema Hargus, PT, CHT, OCS, and Dr. Simon Hargus, PT, DPT, MBA. This episode emphasizes how legacy, leadership, and values shape growth and community impact. Discover actionable insights around scaling with integrity, fostering a people-first culture, and advocating for the profession—all rooted in decades of experience. Key Topics: ·       The origins of First Settlement Physical Therapy and overcoming early financial and logistical challenges ·       The importance of clarity in roles, stubbornness in quality, and trusting expertise in family business dynamics ·       Building a scalable, values-driven culture that prioritizes patient care and staff retention ·       Strategic growth at scale without sacrificing personalized care or staff well-being ·       How family background influences resilience, practicality, and leadership style in healthcare ·       The role of continuous learning, credentialing, and specialization to serve rural and underserved communities ·       Advocating for the profession through local and legislative engagement, even in small practices ·       Maintaining family cohesion and shared purpose through challenges and growth phases ·       Personal stories illustrating innovation, grit, and long-term vision in healthcare entrepreneurship      Timestamps: 00:00 - Introduction to the family-run practice and guest backgrounds 02:06 - How First Settlement started with a single clinic and initial obstacles 03:26 - Building the practice while personally and financially committed, collateral use 04:31 - The early days of community engagement, trust-building, and local recruitment 05:43 - Lessons learned from talking shop in informal settings like Burger King 08:36 - Balancing family life, work, and shared responsibilities — overcoming stress and tension 10:13 - The influence of upbringing, practicality, and shared values on business resilience 12:36 - The significance of family legacy, reputation, and specialization in rural locations 16:44 - Credentialing, continuous learning, and keeping standards high in rural settings 21:19 - Growing up watching parents' entrepreneurial journey and their impact on Simon's career path 22:11 - The family's diversification into various roles and community involvement 24:48 - The story of Simon's mother's resilience during her PT certification exams with eye injuries 27:00 - How long-standing family values influence current leadership and practice culture 28:49 - Scaling while maintaining a people-first approach to prevent burnout and uphold quality 33:11 - Expanding with focus on training, oversight, and inherited culture of excellence 37:17 - Successful individual career paths within a family business structure 39:29 - Advocacy's role for small practices and how to get involved at every level 43:23 - Practical examples of local advocacy—signage regulations, insurance negotiations 46:46 - Challenges and changes in healthcare environment and staying true to values 50:02 - Building a community-oriented practice that fosters passion and participation 52:34 - Recommended books and influences shaping leadership and priorities 55:50 - The importance of public perception, cost savings, and professional identity 59:06 - Reflecting on proudest human moments and patient success stories 62:06 - Advice to their 20-year-old selves about learning, exploration, and embracing change 64:24 - How to connect with First Settlement and future growth plans   Resources: ·       fspt.org — Official website of First Settlement Physical Therapy Connect with the Guests: ·       Hema Hargus - LinkedIn ·       Simon Hargus - LinkedIn       More About Simon and Hema:    Simon Hargus is the owner of First Settlement Physical Therapy, a family-run practice that's grown to about 50 clinics and 300 employees serving rural Ohio and West Virginia. A PT who moved from the clinic to the C‑suite, he's known for building a people‑first culture, long‑form patient care, and individualized career paths to curb burnout. He's active in advocacy, pushing for state‑level wins and a stronger political voice for PT, and he embraces practical tech like AI scribe tools where they deliver real ROI.   Hema Hargus, PT, CHT, OCS is co-owner of First Settlement Physical Therapy, a family-run practice that's grown to about 50 clinics and 300 employees serving rural Ohio and West Virginia since she founded it in 1999. She is originally from India and currently treats complex hand cases part time in Vienna, WV.   Jane Sponsorship Information: Book a one-on-one demo here Mention the code LITZY1MO for a free month   Follow Dr. Karen Litzy on Social Media: Karen's Instagram Karen's LinkedIn   Subscribe to Healthy, Wealthy & Smart: YouTube Website Apple Podcast Spotify SoundCloud Stitcher iHeart Radio

Simon Helberg (The Big Bang Theory) drops into the TigerBelly studio. We chat MadTV war stories, high path & low path, Oldchella, The Strokes, losing sense of smell, bedtime rituals, boils, big nose studies, and how to be a man.Limited Time Offer – Get Huel today with my exclusive offer of 15% OFF online with my code TIGERBELLY at https://www.huel.com/TIGERBELLY. New Customers Only. Thank you to Huel for partnering and supporting our show!For simple, online access to personalized and affordable care for Hair Loss, Weight Loss, and more, visit www.hims.com/belly Hims dot com slash BELLY. Klarna lets you split purchases into different payment options. Download the Klarna app today or visit www.Klarna.com to learn moreSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

On this episode, Heather is in full overstimulation mode as she juggles work chaos, no WiFi, and a rogue bird. She explains why “we'll cry in June” has become her current life motto and is ready to launch a full investigation into the missing scientists. She then gets to your calls about birth conspiracies, offline shopping problems, and frat formals.Episode Sponsors:Head to Biologica.com/ABSOLUTELY to take their Quick Hormonal Life Stage Quiz to find the formula that's right for you. And right now, subscribers can receive up to 32% off their purchase. Get 15% off Branch Basics with the code ABSOLUTELY at https://branchbasics.com/ABSOLUTELY #branchbasicspodVisit yasso.com/ABSOLUTELY to enter and upgrade your freezer! Find full giveaway details, rules, and regulations. Yasso awarded as product coupons. No purch necessary. Open to 50 US/DC, 18+. Ends 11:59pm ET 4/30. Rules: yasso.com/ABSOLUTELY Download Polymarket. Now available in the United States. More markets are coming every day…so be the first to trade on them using code absolutely - and get $20 free upon deposit. Start your new morning ritual & get up to 43% off your @MUDWTR with code ABSOLUTELY at mudwtr.com/ABSOLUTELY! #mudwtrpodLululemon does limited color runs, so when those new styles drop every Tuesday, they go fast. You don't wanna wait. If it's not for you, lululemon offers free returns, no risk. That's lululemon.com. Please note that this episode may contain paid endorsements and advertisements for products and services. Individuals on the show may have a direct or indirect financial interest in products or services referred to in this episode.Produced by Dear Media.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

What is a word like “vegetarian” to describe a person who does not willingly want to consume AI-generated content? How do you avoid doomspiraling when trying to reconnect with your creativity? What's the tastiest drink? Why do banks always tell you what the temperature is outside? Do I need to get a checkbook? What book should I read? Why are parking lot sunsets so beautiful and particularly, why are Meijer parking lots? How can I convince my friends who are visiting that it is a better place to see the sunset than over Lake Michigan?…Hank and John Green have answers!If you're in need of dubious advice, email us at hankandjohn@gmail.comJoin us for monthly livestreams at patreon.com/dearhankandjohnProduced for Hank and John Green by ComplexlySee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Gary Preisser is founder and principal advisor at Stonebriar Wealth Advisors. He is a seasoned financial educator helping individuals navigate taxes, retirement, and estate planning through clear strategies, seminars, and client-focused guidance. Top 3 Value Bombs 1. Assets are not trophies, they're tools. Success is defined by how intentionally you deploy capital to support your values. 2. Risk is not a feeling: it's a measurable exposure to volatility that must align with timing and purpose. 3. Organizing your finances by time not by product is the foundation of resilient wealth. Check out Gary's website - Stonebriar Wealth Advisors Sponsors HighLevel - The ultimate all-in-one platform for entrepreneurs, marketers, coaches, and agencies. Learn more at HighLevelFire.com. 50 - Join JLD on his free '50 days to something' video series on YouTube and create something special in 50 days. Revenued - Built for small business owners who need fast, flexible access to working capital, without relying on your personal credit score. Apply now at Revenued.com/fire.

In this episode of the GaryVee Audio Experience, I talk about the biggest mistake young entrepreneurs make: being impatient for the result while being lazy in the daily work. I encourage you to stop looking at the "glamorous photoshopped" lives of others on social media and start focusing on your own execution. I also discuss why you should document your journey rather than pretending to be an expert and why the "process" is more important than the "end goal". You'll learn about:The Concept of Macro Patience and Micro SpeedHow Comparison Destroys ProductivityThe Importance of Documenting Your JourneyWhy Your 20s are for Sacrifice and LearningOvercoming the Pressure of Arbitrary Milestones

Thanks for Asking is a group project – we could not make this show without you. You're not just a listener. You're a participant. We want to make a show about what matters to you. That's why we have our inboxes always open, with our operator (Nora) standing by to take your calls and texts. So that's what today's episode is about: your struggles, your vents, your anxieties.  If you need to vent, ask for advice, share a grudge, or just want to get something off your chest, call or text us at ‪☎️ (612) 568-4441‬. Watch us on YouTube here! Get this episode ad-free here! Listen to Geoffrey's album on Spotify and Apple! Our Sponsors: ❤️ Refresh your spring wardrobe with Quince. Go to ⁠⁠⁠⁠Quince.com/TFA⁠⁠⁠⁠ for free shipping and 365-day returns. Now available in Canada, too. Go to ⁠⁠⁠Quince.com/TFA⁠⁠⁠ for free shipping and 365-day returns. ⁠⁠⁠⁠Quince.com/TFA⁠⁠⁠⁠ ❤️ ⁠⁠⁠Shop Everyday Cotton, and all of my favorite bras and underwear, at SKIMS.com. After you place your order, be sure to let them know we sent you! Select "podcast" in the survey and be sure to select our show in the dropdown menu that follows.⁠⁠⁠ ❤️ MasterClass keeps adding new classes, so there's never been a better time to get in. Right now, as a listener of this show, you get at least 15% off any annual membership at ⁠⁠⁠MASTERCLASS.com/TFA.⁠⁠⁠ That's 15% off at ⁠⁠⁠MASTERCLASS.com/TFA.⁠⁠⁠ ⁠⁠⁠Head to MASTERCLASS.com/TFA⁠⁠⁠ to see the latest offer! ❤️ With evening and weekend course options, Fordham's online MSW lets you keep working while earning your degree, completing the program in as few as 16 months. Learn more and apply at ⁠⁠⁠fordham.edu/TFA⁠⁠⁠ ❤️ ⁠⁠⁠Experience your juiciest and deepest sensual experience with a bottle of Foria. FORIA is offering a special deal for our listeners. Get 20% off your first order by visiting foriawellness.com/TFA OR use code TFA at checkout. That's F-O-R-I-A WELLNESS DOT COM FORWARD SLASH TFA for 20% off your first order. I recommend trying Awaken or their Pleasure Set with all three of their best sellers.⁠⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

Back to discuss weddings, movies, and soccers.To watch this podcast a day earlier, and on video, check out http://www.patreon.com/JASee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Nikki grabs the mic solo on this special episode of The Nikki & Brie Show while Brie is at SmackDown, and she doesn't hold back. She shares an update on her ankle injury, surgery, and recovery, then dives into fan and Bella Army questions about the titles she still wants to chase, her dream role in WWE, and her unforgettable run on Traitors. From tapping into her heel Nikki energy to opening up about motherhood, confidence, healing, and the advice she'd give her younger self, it's raw, fun, and deeply honest. Even on the sidelines, Nikki shows up strong and fearless. Press play and enjoy! Call Nikki & Brie at 833-GARCIA2 and leave a voicemail! Follow Nikki & Brie on Instagram, follow the show on Instagram and TikTok and send Nikki & Brie a message on Threads! Follow Bonita Bonita on Instagram Book a reservation at the Bonita Bonita Speakeasy To watch exclusive videos of this week's episode, follow The Nikki & Brie Show on YouTube, Facebook, and TikTok! You can also catch The Nikki & Brie Show on SiriusXM Stars 109! Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.