Podcasts about Alaska

#843. Holly Madison is here, speaking more of her truth — and did you know she has never signed an NDA!? No NDA = No Filter! In this unfiltered conversation, Kaitlyn sits down with the former Girls Next Door star to talk about everything from growing up a gifted bookworm in Alaska to racking up credit card debt chasing boobs, Hooters, and Hollywood dreams. Holly opens up about her undiagnosed autism, what really went down inside the Playboy Mansion, and the manipulative tactics that kept her there longer than she expected. From card tricks at Hooters to Hef's infamous “grading system” for women, this one's as jaw-dropping as it is personal.. Plus, an update on what Holly's up to these days — and she is BUSY!If you're LOVING this podcast, please follow and leave a rating and review below! PLUS, FOLLOW OUR PODCAST INSTAGRAM HERE!Thank you to our Sponsors! Check out these deals!Booking.com For the bookings you've dreamed of, list your property on Booking.com!Nutrafol: Nutrafol is offering our listeners ten dollars off any order! Enjoy free shipping when you subscribe. Go to Nutrafol.com and enter the promo code VINEGIFT.Apartments.com: The Place to find a place! Boll & Branch: Get 15% off plus free shipping on your first set of sheets when you use promo code Vine15 at BollAndBranch.com.EPISODE HIGHLIGHTS: (8:43) – Discussing going into credit card debt for breast augmentation!(15:56) – Recounting her first encounter with Hugh Hefner and the events leading to her move into the Playboy Mansion.(19:41) – Opening up about undiagnosed autism and how it affected her social interactions.(29:54) – “I got dragged so hard during my book tour…” See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

It's time for a makeover! Alaska and Willam chat about the final challenge for the Bracket 1 queens as they make over college basketball stars into their drag sisters. Familial Resemblance remains a nebulous term but two things it's not: prison fairies or musical instruments. Aja continues to be TV gold and the Seattle girls are making big moves this week as Ru attempts to mix drag and sports. Let's go for three! Listen to Race Chaser Ad-Free on MOM Plus Follow us on IG at @racechaserpod and click the link in bio for a list of organizations you can donate to in support of Black Lives Matter FOLLOW ALASKA https://twitter.com/Alaska5000 https://www.instagram.com/theonlyalaska5000 https://www.facebook.com/AlaskaThunder https://www.youtube.com/channel/UC9vnKqhNky1BcWqXbDs0NAQ FOLLOW WILLAM https://twitter.com/willam https://www.instagram.com/willam https://www.facebook.com/willam https://www.youtube.com/channel/UCrO9hj5VqGJufBlVJy-8D1g RACE CHASER IS A FOREVER DOG PODCAST Learn more about your ad choices. Visit megaphone.fm/adchoices

With landmarks bearing the names of Deadmen Valley, Headless Creek, Funeral Range, and Hell's Gate Rapids, you might think twice before planning a trip to Nahanni National Park in Canada. However, the legends behind these names make the park even more daunting. Sources Berge, Chloe. “The haunting history of this Canadian National Park.” March 9, 2020. Fodors.com. Malbeuf, Jamie. “Families call for case of mysterious 2005 deaths to be reopened.” May 7, 2018. CBS News. Peters, Hammerson. Legends of the Nahanni Valley. 2018. Western Canada. Hammerson Peters. Vučkovič, Aleska. “Valley of Headless Men: Mysterious decapitations in Canada's Nahanni Valley.” December 2021. Ancient Origins. _______________________ _________________________________________________ IF YOU ENJOY LISTENING TO YOUR NOVELS, CHECK OUT THE AUDIOBOOK VERSION OF MASSACRE AT BEAR CREEK LODGE ________________________________     https://youtu.be/7Fv52Bf8yfY ___________________ Join the Last Frontier Club's Free Tier ______ Robin Barefield lives in the wilderness on Kodiak Island, where she and her husband own a remote lodge. She has a master's degree in fish and wildlife biology and is a wildlife-viewing and fishing guide. Robin has published six novels: Big Game, Murder Over Kodiak, The Fisherman's Daughter, Karluk Bones, Massacre at Bear Creek Lodge, and The Ultimate Hunt. She has also published two non-fiction books: Kodiak Island Wildlife and Murder and Mystery in the Last Frontier. She draws on her love and appreciation of the Alaska wilderness as well as her scientific background when writing. Robin invites you to join her at her website: https://robinbarefield.com, and while you are there, sign up for her free monthly newsletter about true crime in Alaska. Robin also narrates a podcast, Murder and Mystery in the Last Frontier. You can find it at: https://murder-in-the-last-frontier.blubrry.net Subscribe to Robin's free, monthly Murder and Mystery Newsletter for more stories about true crime and mystery from Alaska. Join her on: Facebook Instagram Twitter LinkedIn Visit her website at http://robinbarefield.com Check out her books at Author Masterminds ___________________________________________________________________________________ Would you like to support Murder and Mystery in the Last Frontier? Become a patron and join The Last Frontier Club. Each month, Robin will provide one or more of the following to club members. · An extra episode of Murder and Mystery in the Last Frontier is available only for club members. Behind-the-scenes glimpses of life and wildlife in the Kodiak wilderness. · Breaking news about ongoing murder cases and new crimes in Alaska ____________________________________________________________________________________________ Merchandise! Visit the Store                            

Federico analiza toda la actualidad del corazón con Isabel González, Alaska y Carlos Pérez Gimeno.

In Episode 149 of Brad & Abbey Zerbo Live, the duo delivers a high-energy breakdown of Trump's strategic withdrawal from the World Health Organization, just as global leaders sign on to a new pandemic treaty. They celebrate the U.S. skipping the World Health Assembly, dissect the propaganda playbook behind the plandemic narrative, and spotlight Robert F. Kennedy Jr.'s scorched-earth video address to the WHO, which Brad and Abbey call “the best polite F-you in history.” The conversation expands into the dangers of global governance, Biden's billion-dollar WHO reversal, and the psychological manipulation used to manufacture consent. They also cover a jaw-dropping Trump-era deregulation effort that slashed 47 burdensome rules, explore the hidden impact of unelected bureaucrats, and praise efforts to free the American worker from regulatory strangleholds. With anecdotes about construction jobs, COVID weaponization, Crossfire Hurricane, and Alaska's untapped resource potential, the episode fuses humor, insight, and fire. As usual, the pair wraps with some fan favorites, mosquito alerts, camping rants, and a rally cry for real patriotism. Packed with receipts and righteous outrage, this episode is Brad and Abbey at their uncensored best.        

In this newscast: The local advocates who filed a petition with the City and Borough of Juneau last month to put harder limits on cruise ship tourism have withdrawn it; The Juneau Assembly passed an ordinance mandating the Juneau Police Department release body-word camera footage no more than 30 days after a city police officer shoots someone; Another Ketchikan school board member stepped down, following the district's board president, superintendent and another board member; It's still not clear why the Alaska Department of Education and Early Development failed a federal test that saves the state millions of dollars; Juneau residents held a tree-planting ceremony in honor of Arbor Day yesterday.

On this latest episode of Fearless, we're taking a break from the heavy headlines and bringing you a raw, real, and often hilarious conversation between me and my husband, Corey Lynch! Corey just turned 40, so I wanted to sit down and ask him a few questions about embracing this “midlife” stage, his thoughts about retirement, and where his priorities and goals are as he heads into a new season. Together we talk about some of the major transitions in our lives and careers—including our family's recent move from Florida to North Carolina and Corey's ongoing work in Alaska building churches in remote villages. We also hit on how the world defines success and identity, why retirement might be more cultural milestone than biblical principle, and how obedience to God can reframe everything.Corey also breaks down what he's learned from working with volunteers and native communities in Alaska, and how seeing other cultures live by God's provision—not deadlines—has reshaped his worldview. And yes—going back to the title of this episode—we share a lot of laughs and funny stories, including our family's hatred for Corey's Prius and how he once tried to surprise me with a new dog by leaving a trail of dirt through our entire house!

On this week's Lone Lobos, Jacob Bertrand and Xolo Maridueña discuss Ryan Coogler's recent film "Sinners." Jacob also recounts his recent Alaska adventure with Cobra Kai co-star Joe Seo. The duo opens fan mail during the episode—thank you to our lobitos for sending letters! If you'd like to send mail, our address is 1107 Fair Oaks Ave #839, South Pasadena, CA 91030. For our supercast subscribers, we have bonus content featuring an extended conversation and Jacob sharing footage from his Alaska trip with Joe Seo.Free Discord Access:https://discord.gg/KnDhbnBMCjJoin Supercast Today for the full episode:https://lonelobos.supercast.com/Follow Lone Lobos on Instagram: https://www.instagram.com/lonelobosFollow Jacob Bertrand on Instagram: https://www.instagram.com/thejacobbertrandFollow Xolo Maridueña on Instagram: https://www.instagram.com/xolo_mariduenaFollow Jordan on Instagram: https://www.instagram.com/jmkm808Follow Monica on Instagram:https://www.instagram.com/officialmonicat_http://www.heyxolo.com/Jacobs Channel: @ThreeFloating

The Northern Exposure rewatch podcast you didn't know you needed: co-stars Rob Morrow and Janine Turner return with Northern Disclosure, revisiting all 110 episodes of the Emmy and Golden Globe winning ‘90s series. As one of TV's most beloved on-screen couples, Morrow and Turner are back with the same chemistry and frank, quirky banter that captivated audiences. Along the way, they're joined by co-stars and original creators to share never-before-heard behind-the-scenes stories and rediscover the magic of Northern Exposure. It's honest, fun, and full of the same quirky charm that made Cicely, Alaska a classic. Rob Morrow and Janine Turner kick off their rewatch with the pilot episode that started it all! Hear their personal stories from the audition process, the on-set atmosphere, and how their characters began to take shape. Plus, they'll share reflections on acceptance, the power of music and editing, and the stunning scenery of the Pacific Northwest. You can watch video episodes on YouTube and listen to Northern Disclosure wherever you get your podcasts! ⁠https://www.youtube.com/@NorthernDisclosurePodcast Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode Louie Maurer from Bear Creek Winery in Homer and I discuss how fruits like raspberries, blueberries, and rhubarb are transformed into exquisite wines. We break down wine pairings as well as life in Homer.  Check out the On Step Alaska website or subscribe on Substack for articles, features and all things Alaska. Click here for a 20% discount on an annual subscription to The Westrn, the outdoor community's newest newspaper. Thanks to the sponsors: Sagebrush Dry (Alaskan-owned business that sells the best dry bags you can buy.) Alpine Fit (Premium outdoor layering from another Alaskan-owned business.) Backcountry Hunters and Anglers

In this episode, Adam joins Brand Revolt Production Manager, Matt Henson, to discuss Matt's background in destination marketing and content production. Matt shares his insights on the importance of high-quality content creation, his experience working with destinations like Wrangell, Alaska, and his transition to the agency world. Learn practical tips for capturing effective video, audio, and photography, and how a 'content first' approach can amplify your destination's marketing efforts. Subscribe to our ⁠⁠⁠newsletter⁠⁠⁠! The ⁠⁠⁠Destination Marketing Podcast⁠⁠⁠ is a part of the ⁠⁠⁠Destination Marketing Podcast Network⁠⁠⁠. It is hosted by Adam Stoker and produced by Brand Revolt. If you are interested in any of Brand Revolt's services, please email ⁠⁠⁠adam@thebrandrevolt.com⁠⁠⁠ or visit ⁠⁠⁠www.thebrandrevolt.com⁠⁠⁠. To learn more about the Destination Marketing Podcast network and to listen to our other shows, please visit ⁠⁠⁠www.thedmpn.com⁠⁠⁠. If you are interested in joining the network, please email ⁠⁠⁠adam@thebrandrevolt.com⁠⁠⁠.

Today we have our final Weekly Top 3 from Brad Keithley from Alaskans for Sustainable Budgets before the end of the regular session. This weeks spicy topics: The biggest PFD cut yet; all the spin from the PFC; Alaska's energy 'whack-a-mole' problem. Then in hour two I'm gonna rant...er ..... recap and finish up with Chris Story who will bring us a positivity uplift.

During the month of May, many states host an annual event on the governor's conference on "Aging." At these conferences, older Americans may learn new ways for healthy living and lifelong learning. Some time ago, my friend Mary shared an article entitled, "Nostalgia," which I feel may be interesting to our readers as they review the changes of the century. "Over the last 50 to 60 years, we have been witnesses to many changes in our lives...Here are just a few of them: We were born before cordless phones, fax machines and ice makers. Who ever heard of organ transplants or root canals? Horsepower was something to do with a horse. Callers rang the doorbell instead of blowing their horn. The fallout problem was something kept under your hat, and when folks sat down to dinner, they counted their blessings instead of calories. Guided missiles were rolling pins and frying pans. A babysitter was called a mother. A child had more brothers and sisters than fathers, and a car didn't wear out before it was paid for. A housewife canned food instead of taking it out of cans. Being a parent required more patience than money. Baths were taken once a week, and religion every day, and the only red menace was long winter underwear. $5 worth of groceries filled two bags, and when we were in school, the hard stuff meant algebra. We did without disposable diapers, velcro and scotch tape. Instead of the internet and the information superhighway, we had the party line. In our day, television was truly a luxury, and a black and white luxury at that. Tape meant to reel to reel, not cassettes or videos... and CDs were certificates of deposits, not compact discs, and owning a "hi-fi" was all the rage, and who could forget driving a Packard or a Nash? The only millionaires in baseball were the owners. Bunnies were small rabbits and rabbits were not Volkswagens. Cars in our time met running boards, cranks, Model A Roadsters and rumble seats. A mouse was a furry little creature, not part of a computer, and the only babes politicians kissed were those in their mother's arms. We were before Hawaii and Alaska became states, Rudolph, the Red Nosed Reindeer, Snoopy, DDT, interstate highways, Holiday Inns, air conditioned cars and decaffeinated anything. We came from a time when we left our front door open. College kids swallowed goldfish, not alcohol, and in our day, songs had a tune and the words made sense. "Hippie" meant big in the hips. A trip meant travel. Bread came from bakeries, not the min. We were before microwave popcorn, child proof medicine bottles, and cars with cruise control. Streaking was what happened when you washed windows. Holidays were for getting together, not for getting away. And remember when a chick was a chicken, not the girl down the street? Tennis shoes were only worn in PE class. Bathing suits would cover your knees. And when you said, "I don't have anything to do," your parents said, "Find something to do!" In our day, we would swing and sway with Sammy K, waltz with Wayne King, dance to Guy Lombardo, and polka with Leo Greco. We have survived all of these changes and many more. What an exciting time to have lived." Warm Thought: Anyone who stops learning is old, whether at 20 or 80, anyone who keeps learning stays young. The greatest thing in life is to keep your mind young. Henry Ford. May you have many warm thoughts! Warm Thoughts from the Little Home on the Prairie Over a Cup of Tea, written by Dr. Luetta G. Werner. Published in the Marion Record May 21st, 1998. Download the Found Photo Freebie and cherish your memories of the past.Enjoy flipping through the Vintage Photo Book on your coffee table.I hope you enjoyed this podcast episode! Please follow along on this journey by going to visualbenedictions.com or following me on Instagram, Facebook, and Pinterest. You can listen to the podcast on Apple Podcast,Spotify,Stitcher, and Overcast. And don't forget to rate and review so more people can tune in! I'd greatly appreciate it.Till next time,Trina

In this newscast: The Juneau School District Board of Education appointed Steve Whitney to the board on Saturday; Senator Lisa Murkowski has introduced a bill that would reauthorize funds for landslide monitoring projects across Southeast Alaska; The Alaska Department of Education and Early Development failed a test that allows it to include millions of federal dollars towards its contributions to education funding; Tribal leaders from across the country spoke out last week at a U.S. Senate hearing against changes within the Department of Health and Human Services; Curious Juneau: What's the story behind the Fiddlehead Cookbook's North Douglas chocolate cake?

Tonight on the KRBD Evening Report….A Ketchikan principal is one of three finalists for a national award, Alaska's long-range ferry plan is complete, but where will the money come from to support it, and a curious Ketchikanite seeks the story behind a famous Alaskan cake.Those stories coming up…

Alina Z is an award-winning, Board-Certified Health Coach, Chopra Life Coach, Detox Specialist, and former chef named creator of the #1 Best Diet in America by Harper's Bazaar. She also holds a degree from Parsons School of Design and a Master's in Communication, blending style, soul, and science into one transformational experience. Through her signature Wholistic Self-Discovery Coaching Program, Alina helps high-achieving women reconnect with their true purpose by transforming how they eat, dress, and live. Her philosophy? When you eat to nourish your soul and dress to express your truth, you shift your inner state — and from that space, everything changes. Peace returns. Confidence rises. Sparkle comes back. Alina's mission is to help women become the version of themselves they dreamed of at 8 years old — radiant, powerful, and fully aligned. While today Alina is happy with her body, a fulfilling career, and a life full of sparkle, it wasn't always like this. At 15 she left her home country and a $100,000,000 company that her parents wanted her to inherit and came to USA alone to create a life she desired to build on her own terms. She attended a Quaker school in Maryland and then graduated from Parsons School of Design in New York. Working in the marketing industry, at the age of 27 she grew into a position of a VP of Marketing for one of Washington DC's largest catering companies. During her tenure there her entire days were wrapped around talking about, writing about and tasting food! From early morning networking breakfasts to late-night cocktail receptions and galas, Alina barely had time to eat healthy. This busy lifestyle lead to an unwanted extra 20 pounds, which she struggled to lose with traditional diets and an endless supply of dieting books. She also felt that there was more to life than working long hours and making money. She felt she was lacking a purpose. As fate would have it, in 2009, Alina went on a inspirational cruise to Alaska, where she personally met and learned from world-renowned teachers like Dr. Wayne Dyer and Louise Hay. It was during Dr. Dyer's speech that Alina realized she wanted to be of service to the community. She thought that if she could find solutions to her own challenges, maybe she could help others with the same struggles. Inspired by the cruise, in 2010 she enrolled to study nutrition at the world's largest nutrition school -- Institute For Integrative Nutrition, in New York City. The experience was truly life-changing -  she found a unique way to health and fell in love with the field of nutrition. The one thing she saw missing most in the health market was FUN! Alina noticed two crucial things: first, food is typically labeled as either healthy or delicious and second, there is a total lack of connection being made between nutrition and the key to a happy life. With a passion for making the connection, Alina's mission as nutrition and life coach is to help you pursue your life passions and discover that food can be healthy, delicious, on budget, quick and easy! Quiz on my website at AlinaZ.com to find out your body type: https://www.alinaz.com/quiz #EatWithPurpose#SoulfulLiving#DetoxYourLife#ChopraLifeCoach#IntegrativeNutrition https://calendly.com/rebeccaelizabethwhitman/breakthrough https://wellnessmarketingltd.com/magnetic-abundance-manifest-your-dream-life-retreat/ https://www.amare.com/et/kd4k0a/2088608 https://mall.riman.com/rebeccawhitman/home http://pillar.io/rebeccaewhitman To learn more about Rebecca…https://www.rebeccaelizabethwhitman.com/#home

Keith discusses the mortgage landscape, emphasizing the benefits of cash-out refinances with Ridge Lending Group President, Caeli Ridge. They unpack the Trump administration's plan to privatize Fannie Mae and Freddie Mac, which could impact the mortgage market. Investors are discovering powerful strategies to leverage property equity and optimize their financial portfolios. By understanding innovative borrowing techniques, savvy real estate investors can access tax-efficient capital and create sustainable wealth-building opportunities. Consider working with a lender that specializes in investor-focused loan products and provides comprehensive education on the options available.  Resources: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Show Notes: GetRichEducation.com/554 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.  You get paid first: Text FAMILY to 66866 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— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Automatically Transcribed With Otter.ai    Keith Weinhold  0:01   Welcome to GRE. I'm your host. Keith Weinhold, we're talking about the mortgage loan landscape in this era. Is title insurance a rip off today? Is it worth it for you to pay discount points at the closing table to get a lower interest rate? Learn about how a cash out refinance. Is your ability to borrow tax free, much like a billionaire does, and what are the dramatic changes that the current administration could take to alter the mortgage environment for years, all today on get rich education.    Speaker 1  0:34   Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors, who delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast or visit get rich education.com   Corey Coates  1:20   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  1:36   Welcome to GRE from Liverpool, England to Livermore, California and across 188 nations worldwide. I'm Keith Weinhold, and you are listening to get rich education, the voice of real estate. Since 2014 it's been estimated that there are about 800 billionaires in USA, and hey, you might be one of them, but there's a pretty good chance that you aren't well. When it comes to lending and mortgages, you can actually take a page out of a billionaires playbook and do something very much like what they do whenever you perform a cash out refinance if you've got dead equity in a property, and you can borrow against your own home to a greater extent than you can against your rental properties, even either one of those is a tax free event, you've now got tax free cash, and you can use that money on anything from investing it in the stock market To using your proceeds for a down payment on more real estate or buying a boat or going to Disneyland, and you didn't have to relinquish your asset at all. You continue to hold on to the asset. Now, the mechanics are somewhat different, sure, but when you do a cash out refinance like this, it's a bit like billionaires borrowing against their stock. Instead, you're borrowing against the value of your real estate. In fact, listening to this short clip, it's Trevor Noah talking about how billionaires do exactly this, and you'll notice that the crowd laughs because it actually sounds funny that you can really do this,    Speaker 2  3:22   the shares that they hold in a company, because it is an unrealized gain, right? So they go like, yeah, you're worth 300 billion, but we can't tax you on those stocks because you haven't sold the shares, so you don't, like, have the money. And I understand the argument. They go like, No, you don't have it. It's just what it's worth, because it will also crash, and then you have nothing, so we can't tax you on it. Then I'm like, Okay, I understand that. Then Elon Musk offers to buy Twitter, all right? He offers to buy it. And then he says in his offer, he goes, I'm putting up my Tesla stock as collateral. Then I'm like, so you do have it? Then he's like, no, no, no, no, I don't have it. I don't have it. I'm just gonna say so then they accept the offer. He now buys Twitter. Now that they've accepted his offer, he now goes to private equity and banks and like other rich people and whatever. He goes like, can you guys borrow me the money to buy Twitter? And then he's like, I'm I want to buy Twitter because I don't want to sell any of my Tesla shares, so I want to use your money to buy Twitter. And then it's like, but then they're like, What are we loaning it against? And he's like, Well, my Tesla shares. Then I'm going, like, Wait, so, so you, you can, you can buy a thing based on what you have, yes, but when we want to tax you, you can say, I don't have it. Do you hear what I'm saying here?   Keith Weinhold  4:46   Yeah, you can borrow against your real estate if you have substantial equity in it. We'll talk about just how much now billionaires borrow against their stock holdings using financial products like portfolio lines of credit or. For securities based loans. These are the names for how they do it, essentially taking out loans and using their stock as collateral. And this allows them to access cash without selling their assets and without incurring capital gains taxes, much like you can so you can say that you don't want to sell your property in you don't have to go through some capital raising round either, like a billionaire might have to when they're borrowing against their stock. You can just have a more standard mortgage application for your cash out refinance, and you don't even have to have a huge portfolio. I mean, even if you just own one 500k property with 50% equity in it, you can do this so it's available to most any credit worthy person, again, tax free. But of course, this doesn't mean that you always should take this windfall, because it often creates a higher monthly payment. You've got to be the one that makes that decision in controlling your cash flows, that is key. I'll talk about that some more with today's terrific guests. Also the Trump administration's desire to privatize Fannie Mae and Freddie Mac we're going to talk about that and what that would do to the mortgage landscape. I am in the USA today, next week, I'll be bringing you the show from London, England for the first time, the following week, from Edinburgh, Scotland. Yes, the mobile GRE Studio will be in effect. I typically set it up myself, and I usually don't need the help of the hotel staff for an appropriate Sound Studio either. And then shortly after that, I will be in Anchorage, Alaska, where I'm competing in these fantastic mountain running races. And then by next month, that's where I hope to meet up with you in person for nine days of learning and fun, as I'll be in Miami as part of the faculty for the terrific real estate guys invest or summon at sea, where we're all going to disembark from Miami and go to St Thomas, St Martin and the Bahamas, and then after that great event, it is a long flight from Miami back to Anchorage again. And that's got to be one of the longer domestic flights, not just in the nation, but in the world, Miami to Anchorage, and then shortly after that, I will be in the Great Northeast early this summer, New York and Pennsylvania, including for my high school reunion. So I'll really be putting the miles on these next couple months. One interesting thing that I've noticed for next week's show, where I'll be joining you from London, is how much I'm paying per night at both my hotel in England and then later my hotel in Scotland. That's obviously a short term real estate transaction. These are some of the more expensive places in the world, really. So next week and then the week after, I just think you'll find it interesting. I'll tell you how much I'm spending per night in both London and then Edinburgh. And they're both prime locations, where the hotels are the center of London and then right on Edinburgh's Royal Mile. That is in future weeks as for today, let's talk about the mortgage landscape with this week's familiar and terrific guest.   I'd like to welcome in one of the more recurrent guests in our history, so she needs little introduction. She's the longtime president of the mortgage company that's created more financial freedom for real estate investors than any lender in the nation because they specialize in income property loans. It's where I get my own loans for my own rental properties. Ridge lending group. Hey, welcome back to GRE Caeli ridge.    Caeli Ridge  8:57   Thank you, Keith. You know I love being here with you and your listeners. I appreciate you having me.   Keith Weinhold  9:01   You've helped us for so long. For example, who can forget way back in episode 56 Yeah, that's a deep scroll back when Chaley broke down each line of a good faith estimate for us, that's basically a closing statement sheet. She told us exactly what we pay for at the closing table, line by line like origination fee, recording costs and title insurance so helpful. It's just the sort of transparency that you get over there. Buyers pay for title insurance at the closing table. It is title insurance a rip off. A few years ago, a lot of people speculated that title insurance would fade away because the property's ownership could be transparent and accessible to everybody on the blockchain, but we don't really see that happening. So tell us about title insurance, and really, are we getting value in what we pay for there at the closing table?   Caeli Ridge  9:54   Well, I think the first thing I would say is that it really isn't going to be an option as far as I. Know, as long as the individual is going to source institutional funding leverage use of other people's money, they're going to require the lender, aka Ridge lending, or whoever you're working with, they're going to require that title insurance that ensures their first lien position. Doing that title search, first and foremost, is going to make it clear that there isn't some cloud on title, that there isn't some mechanic lien that had been sitting out there for however many years it may have just been around. And those types of things never go away. So for a lending perspective, it's going to be real important that that title insurance is paid for and in place to protect their interests, things like judgments, tax liens, like I said, a mechanic's lien, those will automatically take a first lien position in front of a mortgage. So obviously we're not going to risk that and find ourselves in second lien position in the event of default and somebody else is getting paid before we are. So not really an option. Is it a rip off? I don't know enough about how often it's paid out, and not to speak to that, but I will tell you that it isn't a choice.   Keith Weinhold  11:07   Title Insurance, like Shaylee was talking about. It protects against fraud related to the property's ownership, someone else claiming rights to the property, and this title search that an insurer does it also, yeah, it looks for those liens and encumbrances, including unpaid taxes, maybe unpaid HOA dues, but yeah, mortgage lenders typically require title insurance, and if you the borrower, you might think that's annoying. Well, it does make sense, because the bank needs to protect their collateral. If a bank ever has to foreclose, they need to have access to you, the borrower, to be able to do that without any liens or ownership claims from somebody else. Caeli, how often do title insurance companies mess up or have to pay out a claim? Does that ever happen?   Caeli Ridge  11:50   I mean, if I have been involved in a circumstances where that was the case, it's been so many years ago, they're pretty fastidious. I don't know that I could recall a circumstance where something had happened and the title insurance was liable. They go through the paces, man, they've got to make sure that, and they're doing deep dives and searches across nationwide to make sure that there isn't any unnecessary issue that's been placed on title Not that I'm aware of. No.    Keith Weinhold  11:50   Are there any of those other items that we tend to see on a good faith estimate that have had any interesting trends or changes to them in the past few years?    Caeli Ridge  12:27   Yeah, I've got a good one, and this is actually timely credit reports. So over the last couple of years, something has been happening with credit reports where, you know, maybe three, four years ago, a credit report, let's say a joint credit report, a husband and wife went and applied that credit report might cost 25 bucks. Well, now it's in excess of 100 plus. Some of what we're going to be talking about today, it kind of gets into the wish list of Jim neighbors, who is the president of the mortgage brokers Association. He's been talking to the administration about some of his wishes, and credit report fees is actually one of the things that they're wanting to attack and bringing those costs down for the consumer. So when we look at a standard Closing Disclosure today, credit report costs have increased significantly. I don't have the percentages, but by a large margin over the last couple of years,    Keith Weinhold  13:21   typically not one of your bigger costs, but a little noteworthy. There one thing that people might opt and choose to have on their good faith estimates, so that borrower therefore would actually pay more out of pocket with today's higher mortgage rates. And I'm sure not to say high, because historically, they are not high. Do we see more people opting to pay discount points at the closing table to get a lower rate and talk to us about the trade offs there   Caeli Ridge  13:46   right now, first and foremost, that there isn't a lot of option for investment property transactions, whether it be a purchase or refinance. There's not going to be that option where the consumer gets to choose to say, Okay, I want to pay points for a lower rate or not pay points for a higher rate the not paying points is the key here. There isn't going to be a zero point option for investment property transactions. And this gets a little bit convoluted, and then I'll circle back and answer the question of, when does it make sense to pay the points, more points versus less points? We have been in a higher rate environment that I think a lot of people have become accustomed to as a result secondary markets, where mortgage backed securities are bought and sold, they keep very close tabs on the trends and where they think things are headed. Well, something called YSP, that stands for yield, spread, premium, under normal market circumstances, a consumer can say, okay, Caeli, I don't want to pay any points. Okay, I'll take this higher interest rate, and I don't want to pay any points, because that higher interest rate is going to have YSP, yield, spread, premium to pay compensation to a lender, and you know, the other third parties that may be involved in that mortgage backed security. But. Sold and traded, etc, okay? They have that choice under normal market circumstances. Not the case right now, because when this loan sells the servicing rights, whoever is going to pick up the servicing rights, so when Mr. Jones goes to make his mortgage payment, he's going to cut a check to Mr. Cooper. That's a big one, right? Or Rocket Mortgage, or Wells Fargo, whoever the servicer is, the servicing rights are purchased at a cost. They have to pay for the servicing rights, and let's say that's 1% of this bundle of mortgage backed securities that they're purchasing. Well, they know the math is, is that that servicer is going to take about 36 months before that upfront cost is now in the black or profitable. This all will land together. Everybody, I promise you stick with me, so knowing that we've got about a 36 month window before a servicer that picked up the rights to service this mortgage is going to be profitable in a higher rate environment, as interest rates start coming down, what happens to the mortgage that they paid for the rights to service 12 months ago, 18 months ago, that thing is probably going to refinance right prior to the 36 month anniversary of profitability. So that YSP seesaw there is not going to be available for especially a non owner occupied transaction. So said another way, zero point rates are not going to be valid on a non owner occupied transaction in a higher rate environment when secondary markets understand that the loans that are secured today will very likely be refinanced prior to profitability on the servicing side of that mortgage backed security that is a risk to the lender, yes. So we know that right now you're not going to find a zero point option. Now that may be kind of a blanket statement. If you were getting a 30% loan to value owner occupied mortgage with 800 credit scores, you know that's going to be a different animal. And of course, you're going to have the option to not pay points. The risk for that is nothing. Okay, y SP is going to be available for you, the consumer, to be able to choose points at a lower rate, no points higher rate. When does it make sense to pay additional points? Let's say to reduce an interest rate, the break even math. And you know, I'm always talking about the math, the break even math is actually the formula is very simple. All you need to do is figure out the cost of the points. Dollar amount of the points, let's say it's $1,000 and that's what it's going to cost you to, say, get an eighth or a quarter or whatever the denomination is, in the interest rate reduction. But you aren't worried about the interest rate necessarily. You're looking at the monthly payment difference. So it's going to cost you $1,000 in extra points, but it's only going to save you $30 a month in payment when you divide those two numbers, what's that going to take you 33 months? 30 well, okay, and does that make sense? Am I going to refinance in 33 months? If the answer is no, then sure pay the extra 1000 bucks. But that's the math, the cost versus the monthly payment difference divide that that gives you the number of months it takes to recapture cost versus cash flow or savings, and then you be the determining factor on when that makes sense.    Keith Weinhold  18:10   It's pretty simple math. Of course, you can also factor in some inflation over time, and if you would invest that $1,000 in a different vehicle, what pace would that grow at as well? So we've been talking about the pros and cons of buying down your mortgage rate with discount points before we get into the administration changes. Cheley talk about that math in is it worth it to refinance or not? It's a difficult decision for some people to refinance today with higher mortgage rates than we had just a few years ago, and at the same time, we've got a lot of dead equity that's locked up.   Caeli Ridge  18:40   I would start first by saying, Are we looking to harvest equity? Are we pulling cash out, or are we simply doing a rate and term refinance where we're replacing one loan with another loan, if it's for rate and term, if we're simply replacing the loan that we have today with a new loan, that math is going to be pretty simple. Why would you replace 6% interest rate with a 7% interest rate? If all other things were equal, you wouldn't unless there was a balloon feature, or maybe an adjustable rate mortgage or something of that nature involved there that you have to make the refinance. So taking that aside, focusing on a cash out refinance, and when does it make sense? So there's a little extra layered math here. The cash that you're harvesting, the equity that you're harvesting, first of all, borrowed funds are non taxable. What are we going to do with that pile of cash? Are we going to redeploy it for investing more often than not talking to investors? The answer is yes. What is that return going to look like? So you've got to factor that in as well, and then we'll get to the tax benefit in a moment. But generally speaking, I like to as long as the cash flow is still there, okay, you've got to have someone else covering that payment. Normally, there's exceptions to every rule. I don't normally advise going negative on a cash out refi. There are exceptions. Okay, please hear me. But otherwise, as long as the existing rents are covering and that thing is still being paid for by somebody else, then what you want to do is look at that monthly payment. Difference again, versus what you're getting out of it. And then you divide those two numbers pretty simply, and it'll take you how long. And then you've got a layer in the cash flow that you're going to get from the new acquisitions, and whether that be real estate or some other type of investment, whatever the return is, you're going to be using that to offset. And then finally, I would say, make sure that you're doing adding in the tax benefit. These are rental properties guys, right? So closing costs can be deducted now that may end up hurting debt to income ratio down the road. So don't forget, Ridge lending is going to be looking at your draft tax returns. Very, very important to ensure that we're setting you up for success and optimizing things like debt to income ratio on an annual basis.   Keith Weinhold  20:40   Now, some investors, or even primary residence owners might look at their first and only mortgage on a property, see that it's 4% and really not want to touch that. What is the environment and the appetite like today for having a refinance in the form of a second mortgage? That way you can keep your first mortgage in place and, say, 4% get a second mortgage at 7% or more. How does that look for both owner occupied and non owner occupied properties today?   Caeli Ridge  21:07   you're going to be looking at prime, plus, in many cases, if you don't want to mess with a first lien, a second lien mortgage is typically going to be tied to an index called prime. Those of you that are familiar with this have probably heard of that. Indicee. There's lots of them. The fed fund rate, by the way, is an index. There's lots of them. The Treasury is also another index. Prime is sitting, I think, at seven and a half percent. So you're probably going to be looking at rate wise, depending on occupancy and credit score and all of those llpas that we always talk about, loan level, price adjustment. You know, it could be prime plus zero, it could be prime plus four. So interest rates could range between, say, seven and a half, on average, up to 11 even 12% depending on those other variables. More often than not, those are going to be interest only. So make sure that you're doing that simple math there. And I would prefer if I'm giving advice the second liens, the he loan, which is closed ended, very much like your first mortgage, it's just in second lien position. It's amortized over a certain period of time, closed ended. Not as big a fan of that. If you can find the second liens, especially for non owner occupied, I would encourage it to be that open ended HELOC type.    Keith Weinhold  22:15   What are we looking at for combined loan to value ratios with second mortgages    Caeli Ridge  22:19   on an owner occupied I think you'd be happy to get 90. I think I've heard that in some cases, they can go up to 95% in my opinion, that would go as high as they'll let you go right on a non owner occupied, I think you'd be real lucky to find 80, and probably closer to 70.    Keith Weinhold  22:34   That really helps a lot with our planning. Well, the administration that came in this year has made some changes that can create some upheaval, some things to pay attention to in the mortgage market. We're going to talk about that when we come back. You're listening to get rich education. Our guest is Ridge lending Group President, Caeli Ridge I'm your host, Keith Weinhold.    The same place where I get my own mortgage loans is where you can get yours. Ridge lending group  NMLS, 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 Chaeli Ridge personally while it's on your mind, start at Ridge lendinggroup.com. That's Ridge lendinggroup.com.    You know what's crazy? Your bank is getting rich off of you. The average savings account pays less than 1% it's like laughable. Meanwhile, if your money isn't making at least 4% you're losing to inflation. That's why I started putting my own money into the FFI liquidity fund. It's super simple. Your cash can pull in up to 8% returns, and it compounds. It's not some high risk gamble like digital or AI stock trading. It's pretty low risk because they've got a 10 plus year track record of paying investors on time in full every time. I mean, I wouldn't be talking about it if I wasn't invested myself. You can invest as little as 25k and you keep earning until you decide you want your money back. No weird lockups or anything like that. So if you're like me and tired of your liquid funds just sitting there doing nothing. Check it out. Text family to 66866, to learn about freedom. Family investments, liquidity fund again. Text family to 66866   Hal Elrod  24:38   this is Hal Elrod, author of The Miracle Morning and listen to get rich education with Keith Weinhold, and don't put your Daydream.   Keith Weinhold  24:55   Welcome back to get rich education. We're talking about mortgages again, because this is one. Where leverage comes from. I'm your host. Keith Weinhold, we're sitting down with the president of ridge lending group, Caeli Ridge, and I know that she has some knowledge and some updates on new administration leadership and some potential changes for the market there. What can you tell us? Caeli   Caeli Ridge  25:16   I'm pretty excited about this one, and I'm watching very diligently to see how it unfolds. So the new director of the FHFA Federal Housing Finance Agency, all is Bill Pulte. This is the grandson of Pulte Homes. Okay, smart guy. I'm excited to see what he's going to come in and do. Well. He had recently, I think in the last couple of weeks, he put out in the news wires asking for feedback from the powers that be, related to Fannie and Freddie, what improvements they would like to see. So first up was Jim neighbors. He is the president of the mortgage brokers Association. He had a few very specific wish list items, if you will. And the first one on his list was the elimination of LLP, as for non owner occupied and second home. So let me just kind of paint a picture here, because there's some backstory I think is important. So an LLPA, for those of you that have never heard that term before, stands for a loan level price adjustment. And a loan level price adjustment is a positive number or a negative number that associates with the individual loan characteristics. So things like loan to value or loan size, occupancy is a big ll PA, the difference between an owner occupied where you live and one that you're going to use as a rental property, that's a big one. Credit score, property type, is it a single family? Is it a two to four? Is this a purchase? Is it a refi? Anyway, all of those different characteristics are ll pas. Well, if we take a step back in time, gosh, about three years ago now, Mark Calabria, at the time, was the director of the FHFA, and he had imposed increases, specific increases. This was middle of 22 I want to say specific increases to the LL pas for non owner occupied property. So if anybody kind of remembers that time, we started to really see points and interest rates take that jump sometime in 2022 more than just the traditional interest rate market and the fluctuations. This was very material to investment property and second home, but we'll focus on the investment property. So Mr. Jim neighbors came in and said, first and foremost, I'd like to see those removed, and I want to read something to the listeners here, because I thought it was very interesting. This is something I've been kind of preaching from the the rooftops, if you will, for many, many years. Yeah, we've got neighbors sticking up for investors here. He really is. And I Yeah, well, yes, he is. And more often than not, they're focused on the owner occupied so I'm just going to kind of read. I've got my cheat sheet here. I want to make sure I get it all right for everybody. So removal of the loan level price adjustments on investment properties and second homes, he noted that these risk based fees charged by Fannie and Freddie discourage responsible buyers from purchasing second homes and investment properties, with that insignificant increase to cost. And here's the important part, originally introduced to account for additional credit risk, many of the pandemic era llpa increases were not based on updated risk metric. In fact, data has shown that loans secured by investment properties often have strong credit profiles and lower than expected default rates. I mean, anybody that has been around long enough to see what we've come from, like, 08,09, and when we had the calamity of right, the barrier for entry for us to get any conventional financing as investors has been harsh. I mean, I make that stupid joke of vials of blend DNA samples. But aside from it being an icebreaker, it kind of feels true. We really get the short end of the stick. And I feel like as investors especially, post 08,09, our credit profiles, our qualifications, the bar is so high for us, the default risk there has largely been removed. We've got so much skin in the game. With 20 25% down, credit score is much higher, debt to income ratios more scrutinized, etc, etc. So I think that this is, if it passes muster. I think this is going to be a real big win for the non owner occupied side of agency, Fannie, Mae, Freddie, Mac lending.   Keith Weinhold  29:13    The conventional wisdom is, is that if you the borrower, get into financial trouble, you're more likely to walk away from your rental properties than you are your own home and neighbors, sort of like a good neighbor here sticking up for us and stating that, hey, us, the investors, we're actually highly credit worthy people.   Caeli Ridge  29:29   Yeah, absolutely. So fingers crossed. Everybody say your prayers to the llpa and mortgage investor rates gods.   Keith Weinhold  29:37   we'll be attentive to that. What other sorts of changes do we have with the administration? For example, I know that Trump and some others in the administration have talked about privatizing the GSEs, those government sponsored enterprises, Fannie, Mae, Freddie Mac and what kind of disruption that would create for the industry. Is it really any credence to that?   Caeli Ridge  29:58   They've been talking about it for. For quite a while. I mean, as long as Trump has been kind of on the scene, that's been maybe a wish list for him. I don't see that happening over the next years. That is an absolute behemoth to unpack and make a reality. Speaking of Mark Calabria, he was really hot and heavy on the trails of doing that. So what this is, you guys so fatty Freddy, are in conservatorship that happened back post 08,09, and privatizing them and making them where it is not funded, or conservatorship within the United States government. Now it still has those guarantees against default. It's a very complicated, complex, nuanced dynamic of mortgage backed securities, but if we were to privatize them at some point now, am I saying that that's a bad thing? No, not necessarily, but I think it has to be very carefully executed, and because there are so many moving parts, I do not think that just one term of presidency is going to make that happen. If we do it, it's going to be years down the road from now. Is my crystal ball. I don't think we're going to see that anytime soon.    Keith Weinhold  30:58   That's interesting to know. Are there any other industry changes that are important, especially for investors, whether that has to do with the change in administration or anything else?   Caeli Ridge  31:08    Well, specific to that wish list from Mr. Neighbors, one of the other things that he had asked, and there were quite a few, for owner occupied changes as well, he wants to reduce the seasoning for cash out refinances of investment properties, which would be huge good. Yeah, right now it's 12 months on a cash out refinance given very specific acquisition details. Okay, I won't go down that rabbit hole, but currently, if you haven't met exactly these certain benchmarks, you may have to wait 12 months to pull cash out of a property from the day that you acquire it, he's asking that that be pulled back to about six months, which would be nice   Keith Weinhold  31:46   reducing the seasoning period from 12 months to six months, meaning that an investor a borrower, would only need to own that property for that shorter duration of time prior to performing a refinance.   Caeli Ridge  31:58    Cash out refinance, no seasoning required on a rate and term. This is specific for cash out. But again, for cash out, but exactly right   Keith Weinhold  32:04   now, one trend that I think about sometimes, especially when I think back to 2008 2009 days since I was an investor through that time, is, are there any signs in the reduction of the appetite or the propensity to lend, to make loans. So how freely is credit flowing?    Caeli Ridge  32:25   I think pretty freely. I'm not seeing that they're tightening the purse strings. That's not the lens that I'm looking at it from, and I try to keep that brush stroke broad. There have been, I think that on the post, close side, there's been a little extra from Fannie Freddie, and I think that has to do with profitability markers. But overall, I'm not seeing that products are disappearing necessarily, or that guidelines are really becoming even more cumbersome. If anything, I would say it's maybe the reverse of that, and I do believe that probably is part and parcel to this administration and the real estate background that comes with it.   Keith Weinhold  32:59   One other thing I pay attention to, but it just really hasn't been much of a story lately. Are delinquencies in foreclosures. It seems like they've ticked up a little bit, but they're still both really historically low and basically a delinquency being defined as when a borrower makes one late payment, and foreclosures being the more severe thing, typically a 120 days late or more. Any trends there? I'm not   Caeli Ridge  33:24   seeing any now. And in fact, I would tell you that, because we focus so much on investor needs, first payment default is I can count on less than one hand, if I had to, how many times I've seen that happen with our clients over 25 years. So nothing noteworthy there for me.    Keith Weinhold  33:40   Yes. I mean, today's borrowers are just flush with equity. Nationally, there's a loan to value ratio of 47% which is healthy, in a sense. On average, borrowers have a 53% equity position. Of course, the next thing, I think, is like, I don't really know if that's a smart strategy. They're not really getting that much leverage out there. But I think a lot of people just have the old mentality of get it paid off.    Caeli Ridge  34:06   And I think that depending on where you are in your journey, I mean, if you're in phase three, right, where you're just really looking at these investments, these nest eggs to carry you into your retirement and or for legacy reasons, fine, but otherwise, I may argue the point in that I don't care that you have a 3% interest rate on an investment property, or whatever it may be, if it's sitting there idle and as long as it can cash flow, the true chances of those individuals of keeping that mortgage that they got in 2020, 2021, etc, at those ridiculously low interest rates and stroking 360 payments later to pay it to zero is a fraction of a percent right now, whether they're on the sidelines for something else, I don't know, but that debt, equity, I think, is hurting them more than a 3% interest rate is helping them.   Keith Weinhold  34:52    And a lot of times, the mindset of someone is, if they don't need to build wealth anymore, and they're older and they already built wealth, they don't care if they're loaned to value. Was down to zero, and they have it paid off, whereas someone that's in the wealth building phase probably wants to get more leverage. Yeah, Chaley at risk lending group, there you see so many applications come in, and especially since you're an investor centric lender, I like to ask you what trends you're seeing. What are people buying? What are people doing? Are they refinancing? Are they paying loans off? Are they trying to take out more credit? Are there any overall trends with investors that you see in there    Caeli Ridge  35:29   right now? I think the all in one is a clear winner there. The all in one, that first lien, HELOC, that you and I talked about, we broke my little corner of the internet with that one, that one is a front runner for sure, on the refinance side, specifically, we are seeing quite a bit more on the refi side of things, that equity is kind of just sitting there. So even though, if the on one isn't a good fit for them, I'm seeing investors that are willing to tap into that equity instead of just sitting around and waiting for them to potentially lose some equity if the housing market does start to take some decline. And then I would say, on the purchase transaction side, something that's kind of piqued my interest is the pad split. I'm looking at that more often where, for those that are not familiar, you can probably speak more to this, Keith, they're buying single family resident properties, even two to four unit properties, and a per bedroom basis, turning those into rental properties. And they're looking to be quite profitable. So I've got my eyes on that too.   Keith Weinhold  36:23   before we ask how we can learn more about you and what you do in there at Ridge Kayle. Is there any last thing that you'd like to share? Maybe a question I did not think about asking you, but should have.    Caeli Ridge  36:35   I would like to share with your listeners that if they are not working with a lender that focuses on their education and has that diversity of loan product that we have, that they're probably in the wrong support group. You need to be working with a lender that has a nationwide footprint and that has diversity of loan product to cover whatever methodology of real estate investing that you're looking for, and really puts a fine touch on the education of your qualifications and your goals as they relate to underwriters guidelines   Keith Weinhold  37:10   what we're talking about, and I know this through my own experience in dealing with Ridge, since I use them for my own loans myself, is sometimes Ridge might inform You that, hey, you can go and do this and make this deal now, but that's going to mess up this bigger thing 12 months down the road, whereas if you talk with an everyday sort of owner occupant mortgage company, oh, they're just not going to talk like that, because owner occupants, they might only buy every seven years, or something like that. And investors are different, and you need to have that foresight and look ahead. Caeli, this has been great, a really informative conversation about the pulse of the market. Tell us what products that you offer in there.   Caeli Ridge  37:50   Our menu is very, very diverse. I would say what. It's probably easier to describe what we don't offer. We do not have bear lot loans or land loans. We're not offering those right now. We do not have second lien HELOCs currently. We suspended that two years ago. But otherwise, guys, we're going to have everything that you're going to need. So just very quickly, I'll rattle off Fannie Freddie, okay, those golden tickets that we talk about, we've got DSCR loans, bank statement loans, asset depletion loans, ground up construction, short term bridge loans for fix and flip or fix and hold. We have our All In One that's my favorite first lien. HELOC, we have commercial loan products for commercial property and residential on a cross collateralization basis. So very, very robust in the loan product space.   Keith Weinhold  38:33   Caeli Ridge, it's been valuable as always. And then Ridge lending group.com, or your phone number   Caeli Ridge  38:39   855-747-4343, 855-74-RIDGE, , and then to reach us an email, if that's your better mechanism to contact us info@ridgelendinggroup.com   Keith Weinhold  38:50   that's been valuable as always. Thanks so much for coming back onto the show.    Caeli Ridge  38:53   Appreciate it. Keith,   Keith Weinhold  39:00   Yeah, terrific information from Chaley. As always, if you're enamored of borrowing tax free, like a billionaire, against your real estate, they sure can help you out with that and determine whether that's right. It doesn't mean that you always should, but if you have investment ideas for debt equity, and you're attentive to cash flows, run the numbers with them and see if it's worthwhile. As far as new purchases, we all know that soured affordability has made it especially tough for first time homebuyers, and there's more data out there that shows that tenant durations are historically long, longer than they usually are. Tenants are staying in places longer because they have to. Investor purchases have stayed strong, though investors have been buying about the same proportion of single family homes and making them rentals that they have historically and Redfin tells us that. The value of properties that investors have purchased is up more than 6% year over year, so investors are still buying and that makes sense. We're in this era where there's more uncertainty than usual, there's higher stock volatility than usual, and more people are sort of asking themselves, where would I get a better return than on income property, and where would my return be more stable today than in income property as well? If you work with Ridge lending group for a time, you're probably going to understand why I personally use them for my own loans. You'll notice that they really understand what investors need. Thanks to Caeli Ridge today and thank you for being here too. But as always, you weren't here for me. You were here for you until next week. I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 3  40:56   Nothing on this show should be considered specific personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively.   Keith Weinhold  41:20   You know, whenever you want the best written real estate and finance info, oh, geez, today's experience limits your free articles access, and it's got paywalls and pop ups and push notifications and cookies disclaimers. It's not so great. So then it's vital to place nice, clean, free content into your hands that adds no hype value to your life. That's why this is the golden age of quality newsletters. And I write every word of ours myself. It's got a dash of humor, and it's to the point because even the word abbreviation is too long, my letter usually takes less than three minutes to read, and when you start the letter, you also get my one hour fast real estate video. Course, it's all completely free. It's called the Don't quit your Daydream letter. It wires your mind for wealth, and it couldn't be easier for you to get it right now. Just text. GRE to 66866, while it's on your mind, take a moment to do it right now. Text GRE to 66866   The preceding program was brought to you by your home for wealth, building, get rich education.com.    

Get an easy $200 from Melio for making your first payment! (Affiliate link. Terms below) https://affiliates.meliopayments.com/travelonpointsteam Episode Description This week Shawn and Mark discuss some interesting items in the news. Amex is now offering perks for downgrading cards, but there is a catch. They also discuss the end of Amex to Alaska via Hawaiian and how Hilton's recent devaluation is shocking in many ways. Are Hilton's points worth anything and why their certs have become even better.   In other news Shawn goes over his upcoming trip to Europe including how the itinerary is shaping up last minute and why this way of booking works. He goes over his nonstop last minute business class redemption for 3, some of the other quirks of the trip and why it is exciting planning this stuff at the last minute versus a year in advance.   Episode Guide   0:00 Welcome to MTM Travel 1:15 The great Amex to Hawaiian to Alaska debate & end date 6:13 The cash value of points & how to use them properly 13:00 Last minute business class to Germany for 3! 18:10 European road trip, theme parks, culture & PH Zurich debate 26:25 Booking early or last minute - What is the best points strategy? 29:08 Amex “paying” customers to downgrade cards? 39:25 Hilton's Devaluation - Max points way up Links https://travel-on-points.com/membership-rewards-transfers-to-alaska-airlines/ https://travel-on-points.com/hilton-honors-devaluation/ https://travel-on-points.com/amex-downgrade-bonus-offers/ Enjoying the podcast? Please consider leaving us a positive review on your favorite podcast platform! You can also connect with us anytime at podcast@milestomemories.com.  You can subscribe on Apple Podcasts, Google Play, Spotify, TuneIn, Pocket Casts, or via RSS. Don't see your favorite podcast platform? Please let us know!

Never on schedule but always on time! Ball Out Culture is back with the honorable Willie Green and COC legend Jesse the Tree to talk potential Conference Finals matchups, the shocker of Dallas getting the #1 pick in the 2025 draft, and more!*Note: this episode was recorded before the results of Knicks vs. Celtics Game 6.You can find all things Willie Green here:https://www.williegreenmusic.com/You can find all things Jesse the Tree here:https://jessethetree.bandcamp.com/album/not-fade-awayIf you want to hear full episodes it is $1 a month at our patreon:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.patreon.com/calloutculturepodcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ You can also upgrade to a higher tier to get exclusive content and video You can find our music here:Zilla Rocca:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://5oclockshadowboxers.bandcamp.com/music⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Curly Castro:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://curlycastro.bandcamp.com/album/little-robert-hutton⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://shrapknel.bandcamp.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Alaska:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://thatrapperalaska.bandcamp.com/

James Van Lanen has spent nearly two decades as a professional anthropologist studying and working with indigenous hunter-gatherers on three continents. James is also an active subsistence hunter, fisher, and forager, extensively involved in the material arts of rewilding and bushcraft, mostly off-grid in the far north. He currently works as a Wildlife Technician for Alaska's Wood Bison Restoration Project and as an Environmental Specialist for the Yukon River Drainage Fisheries Association, a tribal NGO focused on salmon conservation. Human Rewilding in the 21st Century is his first book. He is currently working on three other books surrounding anthropology and the crisis of civilization. Some of his previous writings have appeared in the journal Hunter-Gatherer Research, Human Ecology, Oak Journal, Black and Green Review, and Wild Resistance.

Send us a textDrew is still learning how to do runway inspections and Doug pushes the 767 to the limit (in a simulator). We discuss:Alaska, or Hawaiian?, launches Transpacific flights from SeattleMore news out of NewarkA thaw in tariffs opens the order floodgatesBack to the future with slot restrictions at EWR?Contributor feedbackJoin the conversation!https://www.nexttripnetwork.com/

Alright gang, Larry is headed off to Alaska, we thought we might give some insight into opportunities for handymen and contractors to travel and work. Watch us on YouTube (clickhere)Subscribe to our free newsletter, https://handymanprosradioshow.com/newsletter-signup/Join our Facebook group @handyman prosSend us an email, questions@handymanprosradioshow.com

The Dashboard Diaries #1: Greenville, SC May 19, 2025   Alaska feels a bit removed from the rest of the United States because it is separated from the contiguous 48 states by a minimum of 500 mile. Anchorage is even further away. That distance can leave residents not only distinct and different, but often detached. It can be hard for Alaskans to feel connected to the rest of the country. I recently went on a nearly coast to coast drive with my daughter and her family as they moved from South Carolina to Washington State. As we drove 500-mile days for a week a few connections between places on our drive and my home city of Anchorage emerged. During this four-part mini-series we will connect with Anchorage's soul through her history, stories, and people by connecting to four places along the road from our drive across this vast land of ours. Welcome to the Dashboard Diaries a special four-part mini-series brought to you by the AnchorED City Podcast. On this episode we consider a surprising connection between Greenville, SC and Anchorage.     https://greaterfriendshipbaptist.org https://www.facebook.com/TheShipAnchorageAK#   #anchoredcity https://anchorageutc.org https://www.facebook.com/AnchorageUTC @AnchorageUTC   Theme Music by Tech Oasis from Pixabay   Resources Used To Make This Episode: Southern Baptist Convention Founded - Timeline Event https://www.thearda.com/us-religion/history/timelines/entry?etype=1&eid=18   Basil Manly https://encyclopediaofalabama.org/article/basil-manly/   Founding: 1859-1878 https://www.sbts.edu/history/1859-1878/ https://archives.sbts.edu/sbts-history/our-story/founding-1859-1878/   The story of Southern Baptist Theological Seminary https://www.greenvilleonline.com/story/life/2016/06/29/greenvilles-seminary/86511098/   Jones, R.P., 2021. White too long: The legacy of white supremacy in American Christianity. Simon and Schuster. Pages 35, 57, 58 & 60.   Reamer, David., 2019. Greater Friendship Baptist Church: A History. https://works.hcommons.org/records/9hmn2-t2t94   How Greater Friendship Baptist Church in Anchorage made its mark in Alaska and civil rights history https://www.adn.com/alaska-life/2020/06/07/how-greater-friendship-baptist-church-in-anchorage-made-its-mark-in-alaska-and-civil-rights-history/

Skagway voters will decide in the fall if they want to increase sales tax by 2% during the tourist season. In exchange, they'll receive free municipal utilities and money for capital projects. Advocates say the funds the tax would raise is necessary to pay for infrastructure, in a time when federal dollars are uncertain. But […]

Go to www.LearningLeader.com for full show notes This is brought to you by Insight Global. If you need to hire 1 person, hire a team of people, or transform your business through Talent or Technical Services, Insight Global's team of 30,000 people around the world have the hustle and grit to deliver. Go to www.InsightGlobal.com/LearningLeader William von Hippel grew up in Alaska, got his B.A. at Yale and his PhD at the University of Michigan, and taught for a dozen years at Ohio State University before finding his way to Australia, where he is a professor of psychology at the University of Queensland. He's the author of multiple books. A few months ago, he published The Social Paradox: Autonomy, Connection, and Why We Need Both to Find Happiness. Notes   Why do people who have comfortable lives filled with freedom and abundance still feel unhappy? Need two things… Connection and autonomy. Are leaders born or made? Yes. Like most things, it's not a black and white answer. The key is to use your unique strengths to effectively inspire others to do the work that must be done to achieve the goals of the team or company. How happy is Bill? He scores high on the genetics polygene(?) score. Some people are more genetically wired to be happy than others. You can fight against your genes and win. It's just harder for you than others with better genetics. What's my path of genetic least resistance? If you have low willpower, get the potato chips out of the house. Know yourself. Be yourself plus 20%. Overconfidence can be a good thing. Especially earlier in your career. Fake it til you make it. It can be good a lot of the time. He was overconfident as a new assistant professor, and it helped him. How you receive feedback is critical. Be honest, be kind His dad moved the family to Alaska because he didn't love being told what to do. He was a heart surgeon. Bill moved to Australia. A hard place to make friends because they don't move around much. He made connections with others who had moved there from out of the country. Life/Career advice: Too many choices can be bad. What are the elements of a job that I enjoy? What are my strengths? Leaders - It's lonely at the top. You need a group you can trust and enjoy their company. Google study - They do everything in teams. What's needed? Psychological safety. You need to be able to disagree with each other. Give feedback. It's on the leader to create healthy disagreement. And receive feedback in a way that encourages more of it. I was surprised by how much of our happiness, health, and strength were based purely on our genetics. Some people are just born happier, healthier, and stronger than you. It doesn't mean you can't be happy, healthy, or strong. It just means that you need to work harder to make it happen. That's life!

In this episode, Fred from Alaska shares an extraordinary encounter from his friend Steven, who had a spine-chilling experience in the remote Brooks Range involving a bull moose, a mysterious brown blur, and an alleged Bigfoot sighting. The story details Steven's unsettling discovery and subsequent events that left him and other hunters deeply unnerved.The account is followed by another story from George and Jerry, whose hiking trip with their grandchildren took a terrifying turn when they encountered strange smells and sounds reminiscent of Bigfoot activity. Despite years of frequenting the same trails, this one experience changed their outings forever. These gripping narratives highlight the unexplained mysteries and potential dangers lurking in Alaska's vast wilderness.Get Our FREE NewsletterGet Brian's Books Leave Us A VoicemailVisit Our WebsiteSupport Our SponsorsVisit Untold Radio AM 00:00 Introduction and Greetings 00:03 Steven's Hunting Adventure Begins 01:18 Encounter with the Bull Moose 02:46 The Mysterious Brown Blur 05:26 Strange Noises and Fog 10:31 The Tent Incident 12:54 Steven's Decision to Find Help 15:41 Conclusion of Steven's Story 16:52 Jerry and George's Hiking Trip 18:44 Strange Smells and Sights 25:44 The Frightening Encounter 28:19 Aftermath and Reflections 31:20 Closing RemarksBecome a supporter of this podcast: https://www.spreaker.com/podcast/sasquatch-odyssey--4839697/support.

The Storm Skiing Journal and Podcast is a reader-supported publication (and my full-time job). To receive new posts and to support independent ski journalism, please consider becoming a free or paid subscriber.WhoJoe Hession, CEO of Snow Partners, which owns Mountain Creek, Big Snow American Dream, SnowCloud, and Terrain Based LearningRecorded onMay 2, 2025About Snow PartnersSnow Partners owns and operates Mountain Creek, New Jersey and Big Snow American Dream, the nation's only indoor ski center. The company also developed SnowCloud resort management software and has rolled out its Terrain Based Learning system at more than 80 ski areas worldwide. They do some other things that I don't really understand (there's a reason that I write about skiing and not particle physics), that you can read about on their website.About Mountain CreekLocated in: Vernon Township, New JerseyClosest neighboring public ski areas: Mount Peter (:24); Big Snow American Dream (:50); Campgaw (:51) Pass affiliations: Snow Triple Play, up to two anytime daysBase elevation: 440 feetSummit elevation: 1,480 feetVertical drop: 1,040 feetSkiable Acres: 167Average annual snowfall: 65 inchesTrail count: 46Lift count: 9 (1 Cabriolet, 2 high-speed quads, 2 fixed-grip quads, 1 triple, 1 double, 2 carpets – view Lift Blog's inventory of Mountain Creek's lift fleet)About Big Snow American DreamLocated in: East Rutherford, New JerseyClosest neighboring public ski areas: Campgaw (:35); Mountain Creek (:50); Mount Peter (:50)Pass affiliations: Snow Triple Play, up to two anytime daysVertical drop: 160 feet Skiable Acres: 4Trail count: 4 (2 green, 1 blue, 1 black)Lift count: 4 (1 quad, 1 poma, 2 carpets - view Lift Blog's of inventory of Big Snow American Dream's lift fleet)Why I interviewed himI read this earlier today:The internet is full of smart people writing beautiful prose about how bad everything is, how it all sucks, how it's embarrassing to like anything, how anything that appears good is, in fact, secretly bad. I find this confusing and tragic, like watching Olympic high-jumpers catapult themselves into a pit of tarantulas.That blurb was one of 28 “slightly rude notes on writing” offered in Adam Mastroianni's Experimental History newsletter. And I thought, “Man this dude must follow #SkiTwitter.” Or Instabook. Of Flexpost. Or whatever. Because online ski content, both short- and long-form, is, while occasionally joyous and evocative, disproportionately geared toward the skiing-is-fucked-and-this-is-why worldview. The passes suck. The traffic sucks. The skiers suck. The prices suck. The parking sucks. The Duopoly sucks. Everyone's a Jerry, chewing up my pow line with their GoPro selfie sticks hoisted high and their Ikon Passes dangling from their zippers. Skiing is corporate and soulless and tourist obsessed and doomed anyway because of climate change. Don't tell me you're having a good time doing this very fun thing. People like you are the reason skiing's soul now shops at Wal-Mart. Go back to Texas and drink a big jug of oil, you Jerry!It's all so… f*****g dumb. U.S. skiing just wrapped its second-best season of attendance. The big passes, while imperfect, are mostly a force for good, supercharging on-hill infrastructure investment, spreading skiers across geographies, stabilizing a once-storm-dependent industry, and lowering the per-day price of skiing for the most avid among us to 1940s levels. Snowmaking has proven an effective bulwark against shifting weather patterns. Lift-served skiing is not a dying pastime, financially or spiritually or ecologically. Yes, modern skiing has problems: expensive food (pack a lunch); mountain-town housing shortages (stop NIMBY-ing everything); traffic (yay car culture); peak-day crowds (don't go then); exploding insurance, labor, utilities, and infrastructure costs (I have no answers). But in most respects, this is a healthy, thriving, constantly evolving industry, and a more competitive one than the Duopoly Bros would admit.Snow Partners proves this. Because what the hell is Snow Partners? It's some company sewn together by a dude who used to park cars at Mountain Creek. Ten years ago this wasn't a thing, and now it's this wacky little conglomerate that owns a bespoke resort tech platform and North America's only snowdome and the impossible, ridiculous Mountain Creek. And they're going to build a bunch more snowdomes that stamp new skiers out by the millions and maybe – I don't know but maybe – become the most important company in the history of lift-served skiing in the process.Could such an outfit possibly have materialized were the industry so corrupted as the Brobot Pundit Bros declare it? Vail is big. Alterra is big. But the two companies combined control just 53 of America's 501 active ski areas. Big ski areas, yes. Big shadows. But neither created: Indy Pass, Power Pass, Woodward Parks, Terrain Based Learning, Mountain Collective, RFID, free skiing for kids, California Mountain Resort Company, or $99 season passes. Neither saved Holiday Mountain or Hatley Pointe or Norway Mountain or Timberline West Virigina from the scrapheap, or transformed a failing Black Mountain into a co-op. Neither has proven they can successfully run a ski area in Indiana (sorry Vail #SickBurn #SellPaoliPeaks #Please).Skiing, at this moment, is a glorious mix of ideas and energy. I realize it makes me uncool to think so, but I signed off on those aspirations the moment I drove the minivan off the Chrysler lot (topped it off with a roofbox, too, Pimp). Anyhow, the entire point of this newsletter is to track down the people propelling change in a sport that most likely predates the written word and ask them why they're doing these novel things to make an already cool and awesome thing even more cool and awesome. And no one, right now, is doing more cool and awesome things in skiing than Snow Partners.**That's not exactly true. Mountain Capital Partners, Alterra, Ikon Pass, Deer Valley, Entabeni Systems, Jon Schaefer, the Perfect Clan, Boyne Resorts, Big Sky, Mt. Bohemia, Powdr, Vail Resorts, Midwest Family Ski Resorts, and a whole bunch more entities/individuals/coalitions are also contributing massively to skiing's rapid-fire rewiring in the maw of the robot takeover digital industrial revolution. But, hey, when you're in the midst of transforming an entire snow-based industry from a headquarters in freaking New Jersey, you get a hyperbolic bump in the file card description.What we talked aboutThe Snow Triple Play; potential partners; “there's this massive piece of the market that's like ‘I don't even understand what you're talking about'” with big day ticket prices and low-priced season passes; why Mountain Creek sells its Triple Play all season long and why the Snow Triple Play won't work that way (at least at first); M.A.X. Pass and why Mountain Creek declined to join successor passes; an argument for Vail, Alterra and other large ski companies to participate on the Snow Triple Play; comparing skiing to hotels, airlines, and Disney World; “the next five years are going to be the most interesting and disruptive time in the ski industry because of technology”; “we don't compete with anybody”; Liftopia's potential, errors, failure, and legacy; skiing on Groupon; considering Breckenridge as an independent ski area; what a “premium” ski area on the Snow Triple Play would be; why megapasses are “selling people a product that will never be used the way it's sold to them”; why people in NYC feel like going to Mountain Creek, an hour over the George Washington Bridge, is “going to Alaska”; why Snow Triple Play will “never” add a fourth day; sticker shock for Big Snow newbs who emerge from the Dome wanting more; SnowCloud and the tech and the guest journey from parking lot to lifts; why Mountain Creek stopped mailing season passes; Bluetooth Low Energy “is certainly the future of passes”; “100 percent we're getting more Big Snows” – but let's justify the $175 million investment first; Big Snow has a “terrible” design; “I don't see why every city shouldn't have a Big Snow” and which markets Snow Partners is talking to; why Mountain Creek didn't get the mega-lift Hession teased on this pod three years ago and when we could see one; “I really believe that the Vernon base of Mountain Creek needs an updated chair”; the impact of automated snowmaking at Mountain Creek; and a huge residential project incoming at Mountain Creek.What I got wrong* I said that Hession wasn't involved in Mountain Creek in the M.A.X. Pass era, but he was an Intrawest employee at the time, and was Mountain Creek's GM until 2012.* I hedged on whether Boyne's Explorer multi-day pass started at two or three days. Skiers can purchase the pass in three- to six-day increments.Why now was a good time for this interviewOkay, so I'll admit that when Snow Partners summarized the Snow Triple Play for me, I wasn't like “Holy crap, three days (total) at up to three different ski areas on a single ski pass? Do you think they have room for another head on Mount Rushmore?” This multi-day pass is a straightforward product that builds off a smart idea (the Mountain Creek Triple Play), that has been a smash hit at the Jersey Snow Jungle since at least 2008. But Snow Triple Play doesn't rank alongside Epic, Ikon, Indy, or Mountain Collective as a seasonlong basher. This is another frequency product in a market already flush with them.So why did I dedicate an entire podcast and two articles (so far) to dissecting this product, which Hession makes pretty clear has no ambitions to grow into some Indy/Ikon/Epic competitor? Because it is the first product to tie Big Snow to the wider ski world. And Big Snow only works if it is step one and there is an obvious step two. Right now, that step two is hard, even in a region ripe with ski areas. The logistics are confounding, the one-off cost hard to justify. Lift tickets, gear rentals, getting your ass to the bump and back, food, maybe a lesson. The Snow Triple Play doesn't solve all of these problems, but it does narrow an impossible choice down to a manageable one by presenting skiers with a go-here-next menu. If Snow Partners can build a compelling (or at least logical) Northeast network and then scale it across the country as the company opens more Big Snows in more cities, then this simple pass could evolve into an effective toolkit for building new skiers.OK, so why not just join Indy or Mountain Collective, or forge some sort of newb-to-novice agreement with Epic or Ikon? That would give Snow Partners the stepladder, without the administrative hassle of owning a ski pass. But that brings us to another roadblock in Ski Revolution 2025: no one wants to share partners. So Hession is trying to flip the narrative. Rather than locking Big Snow into one confederacy or the other, he wants the warring armies to lash their fleets along Snow Partners Pier. Big Snow is just the bullet factory, or the gas station, or the cornfield – the thing that all the armies need but can't supply themselves. You want new skiers? We got ‘em. They're ready. They just need a map to your doorstep. And we're happy to draw you one.Podcast NotesOn the Snow Triple PlayThe basics: three total days, max of two used at any one partner ski area, no blackouts at Big Snow or Mountain Creek, possible blackouts at partner resorts, which are TBD.The pass, which won't be on sale until Labor Day, is fully summarized here:And I speculate on potential partners here:On the M.A.X. PassFor its short, barely noted existence, the M.A.X. Pass was kind of an amazing hack, granting skiers five days each at an impressive blend of regional and destination ski areas:Much of this roster migrated over to Ikon, but in taking their pass' name too literally, the Alterra folks left off some really compelling regional ski areas that could have established a hub-and-spoke network out of the gate. Lutsen and Granite Peak owner Charles Skinner told me on the podcast a few years back that Ikon never offered his ski areas membership (they joined Indy in 2020), cutting out two of the Midwest's best mountains. The omissions of Mountain Creek, Wachusett, and the New York trio of Belleayre, Whiteface, and Gore ceded huge swaths of the dense and monied Northeast to competitors who saw value in smaller, high-end operations that are day-trip magnets for city folks who also want that week at Deer Valley (no other pass signed any of these mountains, but Vail and Indy both assembled better networks of day-drivers and destinations).On my 2022 interview with HessionOn LiftopiaLiftopia's website is still live, but I'm not sure how many ski areas participate in this Expedia-for-lift-tickets. Six years ago, I thought Liftopia was the next bargain evolution of lift-served skiing. I even hosted founder Evan Reece on one of my first 10 podcasts. The whole thing fell apart when Covid hit. An overview here:On various other day-pass productsI covered this in my initial article, but here's how the Snow Triple Play stacks up against other three-day multi-resort products:On Mountain Creek not mailing passesI don't know anything about tech, but I know, from a skier's point of view, when something works well and when it doesn't. Snow Cloud's tech is incredible in at least one customer-facing respect: when you show up at a ski area, a rep standing in a conspicuous place is waiting with an iPhone, with which they scan a QR code on your phone, and presto-magico: they hand you your ski pass. No lines or waiting. One sentimental casualty of this on-site efficiency was the mailed ski pass, an autumn token of coming winter to be plucked gingerly from the mailbox. And this is fine and makes sense, in the same way that tearing down chairlifts constructed of brontosaurus bones and mastodon hides makes sense, but I must admit that I miss these annual mailings in the same way that I miss paper event tickets and ski magazines. My favorite ski mailing ever, in fact, was not Ikon's glossy fold-out complete with a 1,000-piece 3D jigsaw puzzle of the Wild Blue Gondola and name-a-snowflake-after-your-dog kit, but this simple pamphlet dropped into the envelope with my 2018-19 Mountain Creek season pass:Just f*****g beautiful, Man. That hung on my office wall for years. On the CabrioletThis is just such a wackadoodle ski lift:Onetime Mountain Creek owner Intrawest built similar lifts at Winter Park and Tremblant, but as transit lifts from the parking lot. This one at Mountain Creek is the only one that I'm aware of that's used as an open-air gondola. Get full access to The Storm Skiing Journal and Podcast at www.stormskiing.com/subscribe

On file tout au nord du monde, en expédition sur un traîneau à chiens, quelque part sur l'inlandsis du Groënland. À sa tête, une femme, une grande exploratrice méconnue : Arnarulunnguaq. Arnarulunngaq est un nom qui ne vous dit sûrement rien et pourtant, cette exploratrice inuite, née à la fin du XIXè siècle est un monument à sa manière…Dans son sillage et celui du traîneau qui file dans le Grand Nord, on retrouve tout un pan de l'histoire de l'exploration de ces confins arctiques, la vie rude, impressionnante de ceux qui les peuplent, une déesse de la mer aux doigts coupés, le mythe de Thulé ou l'illustre anthropologue danois à l'âme aventureuse : Knud Rasmussen, avec l'horizon glacé, à perte de vue… De 1921 à 1924, Arnarulunngaq a participé à la célèbre cinquième expédition de Thulé de Knud Rasmussen, qui va les emmener, sur près de 3 ans, de Ummannaq au détroit de Béring, à travers l'Arctique canadien jusqu'en Alaska. Cette mission épique et héroïque va permettre de comprendre l'origine du peuple inuit, mais aussi de rassembler une collection de près de 20 000 artefacts, qui aujourd'hui représente l'une des plus grandes collections au monde sur les peuples de l'Arctique, désormais dans les musées danois.Cette semaine, on part pour un voyage polaire et littéraire, où une fois n'est pas coutume, une femme, qui plus est autochtone, est au centre, avec la navigatrice et écrivaine française Isabelle Autissier, qui voyage, cabote régulièrement dans ces contrées. Elle vient de publier en France aux Éditions Paulsen « La Fille du grand hiver », un récit romancé qui nous raconte la destinée à la fois extraordinaire et terriblement humaine d'Arnarulunngaq, une femme qui, un jour, a percé le plafond de verre ou plutôt de glace…  En savoir plus :- Sur Arnarulunngaq, le site de visitgreenland met en lumière cette héroïne. En anglais- Sur la célèbre 5e mission de Thulé de Knud Rasmussen. En anglais- Sur « La Fille du grand hiver » d'Isabelle Autissier, paru aux Éditions Paulsen - Sur Ada Blackjack, une autre femme inuite au destin extraordinaire, surnommée la survivante de l'Arctique ou la « Robinson Crusoé au féminin ». Le livre de Jennifer Niven, préfacé par Isabelle Autissier, est paru aux Éditions Paulsen.

This week's episode of Home to Roost features a discussion of the Valley’s Ukrainian refugees, how tariff uncertainly is affecting local businesses, and the origin and importance of habeas corpus.

The Stargate Project was a top secret CIA program in the 1970's and 80's in which they hired remote viewers to spy on other countries along with various other locations.

In this newscast: Five candidates have applied to fill an empty seat on the Juneau School District Board of Education after Will Muldoon resigned; Alaska regulators have assessed a $49,000 fine against Hilcorp for lapses in Cook Inlet offshore well management, the Alaska Beacon reports; Some Southeast Alaska communities had their earliest harmful algal bloom on record this year, and there is currently a paralytic shellfish toxin advisory across region for recreational and subsistence harvest; Local and state transportation officials are wrapping up a study that hones in on five locations for a potential second bridge; Thousands of new books are landing in the hands of kids across Southeast Alaska this month as the result of a partnership between the region's largest tribal government and a Native-led nonprofit with roots in the Navajo and Hopi nations

It's time for a little goss! Alaska and Willam discuss their gorgeous new promo art for the pod, their concert going experience with Patti LaBelle and Chaka Kahn, and share their thoughts on AS10 E2 in a mini recap moment. Plus they are joined for a Tip Spot from the absolutely iconic Amanda Lepore before reading your well written letters about pulling trade on hook up apps. Listen to Race Chaser Ad-Free on MOM Plus Follow us on IG at @racechaserpod and click the link in bio for a list of organizations you can donate to in support of Black Lives Matter Rainbow Spotlight: Gay by Trisha Paytas FOLLOW ALASKA https://twitter.com/Alaska5000 https://www.instagram.com/theonlyalaska5000 https://www.facebook.com/AlaskaThunder https://www.youtube.com/channel/UC9vnKqhNky1BcWqXbDs0NAQ FOLLOW WILLAM https://twitter.com/willam https://www.instagram.com/willam https://www.facebook.com/willam https://www.youtube.com/channel/UCrO9hj5VqGJufBlVJy-8D1g RACE CHASER IS A FOREVER DOG PODCAST Learn more about your ad choices. Visit megaphone.fm/adchoices

Preview: Colleague Conrad Black comments that previous government plans for defense were not met. More tonight. 1900 ALASKA

Why do some entrepreneurs get chosen over and over again—while others get passed up, even when they're talented? In this episode of Only Business, we break down the real reasons people say yes. You'll learn how to position your offer so it stands out, create instant trust without overselling, and become the obvious choice in any room. Whether you're struggling to land clients, tired of being overlooked, or just want to tighten your messaging, this episode gives you the exact mindset and strategy to stop chasing—and start getting picked.

Hello to you listening in Fort Collins, Colorado!Coming to you from Whidbey Island, Washington this is Stories From Women Who Walk with 60 Seconds for Story Prompt Friday and your host, Diane Wyzga.Two Old Women by Vella Wallis recounts an Alaska legend of betrayal, courage and survival. Based on an Athabascan Indian legend passed from mothers to daughters of the Upper Yukon Valley in Alaska this tale tells how 2 old women abandoned by their tribe during a brutal winter famine create a means to survive. After being left behind in a snowy woods one woman says to the other, “We may die out here - at least let us die trying.”My prayer goes like this: “One day I will die. Let me die doing - no try.”  Story Prompt: I imagine you have a prayer of your own. Where did it come from? What inspired it? How does it help you? Write that story! Practical Tip: The magic of stories is also in the sharing. If you wish share your story with someone or something.   All that matters is you have a story.You're invited: “Come for the stories - stay for the magic!” Speaking of magic, I hope you'll subscribe, follow, share a 5-star rating and nice review on your social media or podcast channel of choice, and join us next time! Remember to stop by the website, check out the Communication Services I offer, arrange a Discovery Call, and Opt In to stay current with Diane and Quarter Moon Story Arts and on Substack.Stories From Women Who Walk Production TeamPodcaster: Diane F Wyzga & Quarter Moon Story ArtsMusic: Mer's Waltz from Crossing the Waters by Steve Schuch & Night Heron MusicAll content and image © 2019 to Present: for credit & attribution Quarter Moon Story Arts

In this newscast: A German Shepherd who was on the lam for nearly three months has been captured to returned to her family; The Alaska Department of Environmental Conservation says 400,000 gallons of process water spilled at a large lead and zinc mine in Northern Alaska yesterday; The Alaska Department of Education and Early Development is considering whether to reduce the amount of money local governments can give to school district, but a new bill would allow local governments to continue to fund school districts as they have been; Juneau's city-owned ski area expects to run a deficit for the foreseeable future, and their plan to dig out of the deficit relies heavily on revenue from a gondola that has yet to be built; Lawmakers rejected two of Gov. Mike Dunleavy's nominees for state boards and commissions in a joint session of the state House and Senate yesterday

Skagway's mayor resigned the day after a tense borough assembly meeting. For months, the assembly and mayor have been at odds over his refusal to sign assembly correspondence, a task he says is not the responsibility of what he calls the “executive branch.” KHNS reporter Melinda Munson has this update. And, Senator Lisa Murkowski has […]

Un podcast de cultura pop con periodistas, psiquiatras y vestidas.

Welcome back to The Freaky Deaky! Tonight, we're stepping off the beaten path of paranormal lore to explore five lesser-known haunted houses that pack a terrifying punch. These aren't the usual suspects like Amityville or the Conjuring House—these are hidden gems of the strange and supernatural, each with first-hand accounts that'll make your skin crawl. We've got Grave's End in Brooklyn, a home that tormented its residents for over a decade; the Sallie House in Kansas, a hotbed of scratches and apparitions; the House of Death in New York, tied to literary legend and tragic violence; the Daniel Benton Homestead in Connecticut, where history and hauntings intertwine, and if time permits we'll be closing it out with the Union Screaming House in Missouri, where a family lasted just 13 days before fleeing in terror. These houses have rich, documented histories—screams echoing through quiet nights, shadowy figures lurking in corners, and physical encounters that defy explanation. Families, investigators, and even the curious have walked their halls, leaving with stories that linger long after they've gone.  We'll see you on the inside... ----- TIME STAMPS: 0:00 - A Bad HOA Could Be The Least Of Your Worries 1:07 - Intro 2:27 - The Warm Up 3:48 - Return of the 1-Star Reviews!  4:52 - I Bet Someone is Annoyed By This Section 7:06 - Holler.Baby/TheFreakyDeaky 8:23 - (EPISODE STARTS HERE YOU IMPATIENT F***S) 8:33 - STORY #1: Grave's End (Brooklyn, New York)  11:23 - Elaine's Book on Grave's End  12:03 - What Kept The Mercado's In Grave's End?  13:22 - *Vietnamese Dong, Not Malaysian (Apologies) 16:23 - STORY #2: The Sallie House (Atchison, Kansas)   21:03 - Is Sallie Just a Spirit, or Something Darker..?  22:23 - Is The Studio Haunted, Or Is It a Wonky TV Remote? 23:53 - What Are Your Thoughts on The Sallie House Haunting?  25:03 - STORY #3: House of Death (Greenwich Village, New York City)  25:53 - Africa by Toto.. Yay or Nay?  31:05 - TANGENT: Why We Post Negative Stuff (Fo' Drama)  32:03 - Who Haunts The House of Death, Lisa, Twain or the 22?  35:53 - STORY #4: The Daniel Benton Homestead   38:13 - Christian The Pervert  38:53 - Small Pox v. Large Pox  40:53 - The Butterscotch Gang  45:13 - STORY #5: The Union Screaming House (Union, Missouri)  49:53 - Catholic Church Produces 150 Page Report  52:33 - Demonic Force, Trapped Entity, or Something Else?  54:53 - Should We Investigate Haunted Locations?  58:57 - Outro  60:35 - The After Party  _____________________________________________ +PRODUCERS: Eric Long, Daniel Heng, Anthony M,  +BECOME A PRODUCER: http://bit.ly/3WZ3xTg +BUY A $9 SHOUT-OUT: https://holler.baby/thefreakydeaky The Twilight Zone meets Mystery Science Theatre 3000 meets an uncomfortable Thanksgiving dinner conversation with your in-laws. TFD is a weekly paranormal comedy podcast featuring real ghost stories, Cryptid lore discussions, and true paranormal experiences hosted by believer/skeptic in-laws. Recorded in an undisclosed location somewhere in the beautiful woods of Wasilla, Alaska. +SUBMIT YOUR (TRUE) STORY: —Email: thegang@thefreakydeaky.com   —Voicemail: 801-997-0051  +WEBSITE & MERCH: —Website: www.thefreakydeaky.com  —Merch: www.thefreakydeaky.com/store  +JOIN THE DISCUSSION: —TFD Facebook Group: https://tinyurl.com/tfdfb   —Instagram: https://bit.ly/2HOdleo   —Facebook: https://bit.ly/3ebSde6 

Cruise ship in town today, and a look at who else is on the riverToday, another repositioning cruise visits Astoria, as blue water cruise ships make their annual spring migration up the West Coast, to their northern summer vacation grounds in BC and Alaska.And a quick look at today, the Ides of May.

We are so back! Alaska and Willam return to their All Stars coverage of Drag Race, and this season it's the Tournament of All Stars! 18 queens, 3 brackets, and a whole lot to discuss, dissect, and disseminate. On episode 1 the first bracket of queens are challenged with writing song lyrics in their hotel rooms, telling Ru about all the cosmetic procedures they've had done, and making alliances with every other queen. You think you the sh*t? (fart). Listen to Race Chaser Ad-Free on MOM Plus Follow us on IG at @racechaserpod and click the link in bio for a list of organizations you can donate to in support of Black Lives Matter FOLLOW ALASKA https://twitter.com/Alaska5000 https://www.instagram.com/theonlyalaska5000 https://www.facebook.com/AlaskaThunder https://www.youtube.com/channel/UC9vnKqhNky1BcWqXbDs0NAQ FOLLOW WILLAM https://twitter.com/willam https://www.instagram.com/willam https://www.facebook.com/willam https://www.youtube.com/channel/UCrO9hj5VqGJufBlVJy-8D1g RACE CHASER IS A FOREVER DOG PODCAST Learn more about your ad choices. Visit megaphone.fm/adchoices

Francis Scarcella - Miranda Barbour: Inside the Mind of a Teenage KillerJan 11, 2024The Satan worshiping teen charged with murdering a 42-year-old man she lured through Craigslist claims two other men responded to her ad but failed to show up.Miranda Barbour, 19, and her husband, Elytte Barbour, 22, are accused of stabbing and strangling Troy LaFerrara in Pennsylvania, after he responded to her ad for 'female companionship' in November.However Barbour now claims that two other unidentified men narrowly escaped death by failing to keep their appointments.'I tried it a few times but it never worked out,' Barbour told The Daily Item in her second jailhouse interview in six weeks.'I knew we (Elytte Barbour) were going to do this since the day we met, and we tried, but the others just didn't show up.'Barbour claimed in her first jailhouse interview on February 14 that she killed at least 22 other people over six years in a cross-country murder spree motivated by her satanic cult beliefs.During her second jailhouse interview at the State Correctional Institution in Muncy, a maximum security women's prison, Barbour repeated her claims and said the FBI have not questioned her.She said she was prepared to show authorities where she hid the bodies.'I said before I would talk to them (FBI) about all of this, but they never came to see me,' she told The Daily Item.'They are looking for full bodies. They won't find any. But they will find body parts.'The Daily Item reported that local investigators in three murder locations named by Barbour are taking the claims seriously, but said they have no unresolved homicides they know about.Barbour said she dumped some body parts in Big Lake, Alaska, and also in Mexico Beach, Florida where she worked as a 15-year-old go-go dancer.She also said she dumped a body off Interstate 95 near Raleigh, North Carolina.Barbour lived in Alaska, Florida and North Carolina before moving to Selinsgrove last fall with her husband.Sunbury police say the couple murdered LaFerrara the day of their three-week wedding anniversary and Elyette Babour's 22nd birthday.Elytte Barbour had allegedly told police he and his wife wanted to kill together.In her sensational first jailhouse interview in February, Barbour claimed she killed 22 people in the past six years in Alaska, Texas, North Carolina and California.Explaining that she adopted a murderous alter ego she dubbed 'Super Miranda' when she killed, Barbour said that she kept a favorite knife that had notches on - one for each of her victims.Speaking to TMZ about the horrifying admission from Barbour, Daily Item reporter, Francis Scarella said that he omitted the frightening and unsubstantiated number from his story.However, he confirmed that like the fictitious serial killer Dexter, Barbour said she only killed bad people - those who abused children or owed money and that her satanism controlled her murderous rages.Indeed, Scarella told TMZ he spoke with an ex-roomate of Barbour's who said that the abused teen possessed two vials of semen belonging to her husband and that she used them to masturbate in a satanic ritual.Claiming that she only killed 'bad people who do bad things' in her self-confessed nationwide murder-spree, Barbour has been compared to the fictitious 'moral' serial killer played by Michael C. Hall on the Showtime cable network.Amid these gruesome claims, the tiny Alaskan town of North Pole has become the center of the outlandish story about satanism and serial killers that Barbour claims began at the behest of a cult leader.Become a supporter of this podcast: https://www.spreaker.com/podcast/the-opperman-report--1198501/support.

On this episode of Destination on the Left, Laurel Greatrix and I explore why today's travelers are seeking out the experience first and planning trips around it. She shares the top types of experiences that travelers are searching for and explains why they allow visitors to explore a destination more deeply. What You Will Learn in This Episode: Why today's travelers are increasingly planning trips around experiences rather than destinations, and what this shift means for destination marketers What types of travel experiences are trending right now, from outdoor adventures to immersive, small-group offerings like cooking and craft classes How Viator supports both large and small experience operators and helps them reach wider audiences through powerful distribution partnerships Why authenticity matters in travel experiences and how travelers are seeking unique, non-mass market interactions to go deeper into destinations What roles collaboration and strategic partnerships play in Viator's business model, including the relationship with TripAdvisor and broad third-party distribution The Experience-First Shift in Travel Planning Historically, travel planning centered around destinations, accommodations, and flights. Travelers picked a location, locked in their hotel, and then considered what activities to do once on site. But according to Laurel Greatrix, Vice President of Marketing at Viator, the world's largest travel experiences marketplace, that approach is rapidly evolving. Increasingly, travelers are first setting their sights on unique and memorable experiences and building their trips around them. What sets the experiences sector apart isn't just its offline-heavy operation or diversity, but the sheer pace of its growth. Since the pandemic, demand has soared for outdoor and active experiences, with destinations like Alaska, Utah, Colorado, and Banff seeing impressive spikes in bookings. Simultaneously, activities such as cooking classes and craft workshops are seeing consistent double- and even triple-digit growth rates. These trends show travelers craving meaningful engagement with destinations, a trend accelerated by the global prioritization of health, wellness, and authentic encounters. Authenticity and Personalization “Authentic” is a buzzword often used in travel, but as Laurel points out, it means something different to every traveler. Viator's data shows that while classic attractions, think the Louvre or the Eiffel Tower, remain bucket-list essentials, growth is skewing toward bespoke, local, and hands-on experiences. Travelers increasingly seek opportunities to connect with local culture, meet passionate guides, and try their hand at activities like perfume making in Paris or chocolate crafting in Belgium. For marketers and operators, this means a growing need to communicate what makes their experiences unique, accessible, and “authentic.” Reviews, detailed product descriptions, and visually rich content can help set expectations and attract customers seeking depth over breadth. Collaboration in the Experiences Ecosystem Viator's success is rooted in collaboration, internally and through partnerships. Its acquisition by TripAdvisor shows how powerful collaborations can transform an entire market segment. By powering bookings across thousands of partner sites ranging from airlines to travel agencies and even Amazon, Viator helps even the smallest operators achieve global reach. Collaboration also extends to working with destinations and other experience providers. By joining forces, they can disperse visitor traffic, reduce overcrowding at major sites, and promote lesser-known experiences that contribute to local economies and more sustainable tourism practices. Resources: Website: https://www.viator.com/ LinkedIn: https://www.linkedin.com/in/laurelgreatrix/ Facebook: https://www.facebook.com/viatortravel/ X: https://x.com/ViatorTravel Instagram: https://www.instagram.com/viator YouTube: https://www.youtube.com/user/ViatorTravel We value your thoughts and feedback and would love to hear from you. Leave us a review on your favorite streaming platform to let us know what you want to hear more o​f. Here is a quick tutorial on how to leave us a rating and review on iTunes!

In this episode of the Power of Zero Show, host David McKnight looks at every possible tax or cost that may result from a Roth conversion. The first tax you'll have to pay when executing a Roth conversion is federal income tax.  Whatever portion of your IRA you convert to Roth is realized as ordinary income and piled right on top of all your other income. David is an advocate for not converting to Roth unless you think your federal tax rate in retirement is likely to be higher than it is today. The second tax you could end up paying when doing a Roth conversion is state tax. The situation will vary depending on where you live – in Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, and Wyoming, you don't have to pay state tax, including on Roth conversion. Do you live in Illinois, Iowa, Mississippi, or Pennsylvania? Then, you'll have to pay state tax, but Roth conversions are exempted. If you're thinking about moving to one of these states to avoid paying these taxes, just know that, while they may not charge income tax on Roth conversions, they do make up for it in other ways (sales and property tax, for example). IRMAA – the Income Related Monthly Adjustment Amount – is the third cost you could end up paying when doing a Roth conversion. IRMAA represents an additional charge you could be required to pay on your Medicare Part B and Part D premiums. The next potential tax you could pay as a result of doing a Roth conversion is Social Security taxation. The fifth cost you could incur because of a Roth conversion is NIIT (Net Investment Income Tax) – also known as the Obamacare surtax. NIIT is a 3.8% surtax on the lesser of your net investment income or the amount of your modified adjusted gross income that exceeds the threshold of $200,000 for single filers and $250,000 for married filing jointly. The sixth tax you could potentially pay as a result of doing a Roth conversion is an indirect one and results from the phase out of certain credits or deductions. The list of credits and deductions includes child tax credits, student loan interest deductions, the saver's credit, and education credits. Underpayment penalties is the seventh tax you could potentially pay by doing a Roth conversion. David explains that many people opt to pay taxes on their Roth conversion in the fourth quarter. The problem, however, lies in the fact that when you pay the taxes on your Roth conversion out of cash in the fourth quarter, the IRS expects you to have paid taxes on that Roth conversion evenly throughout the year. The eighth and final tax you could end up paying as a result of doing a Roth conversion applies to those who are getting health insurance through the Affordable Care Act. Does your Roth conversion push you above the subsidy threshold? If so, know that you could have a partial or total loss of subsidies or may have to repay subsidies at tax time. “Think of all of these additional taxes or costs as tradeoffs, not problems or unintended consequences,” says David. For example, you may pay increased Social Security taxation during your Roth conversion period, but will then eliminate Social Security taxation altogether by the time your conversion is complete. If President Trump extends his tax cuts, then the national debt will grow to $62 trillion by 2035. Most experts believe that the only way we can service this massive debt load is to dramatically increase income tax rates. According to a recent Penn Wharton study, if the U.S. doesn't right its fiscal ship by 2040, no combination of raising taxes or reducing spending will prevent the nation's financial collapse. Remember: while it's true that Roth conversions do cause you to pay additional taxes and expenses in the short term, they do dramatically reduce those costs over the balance of your life, once your conversion is complete. Mentioned in this episode: David's national bestselling book: The Guru Gap: How America's Financial Gurus Are Leading You Astray, and How to Get Back on Track DavidMcKnight.com DavidMcKnightBooks.com PowerOfZero.com (free video series) @mcknightandco on Twitter  @davidcmcknight on Instagram David McKnight on YouTube Get David's Tax-free Tool Kit at taxfreetoolkit.com Penn Wharton

In this episode, hosts Eric Fey and Brianna Lennon speak with Amanda McColley. She's the Regional Supervisor for the Division of Elections Region III office in Alaska, which covers Fairbanks and the interior of Alaska. They spoke about some of the unique challenges Alaskan election administrations can face – think having to load election equipment onto small charter planes – as well as some of the challenges they share with the lower 48, such as voter education around rank choice voting and training election staff.

On this week's episode of The Professional Noticer, Andy hosts Steve Perrins—owner of the historic Perrins Rainy Pass Lodge and coordinator of Camp Iron Sights. Join Andy and Steve as they discuss the fascinating history of Perrins' Rainy Pass Lodge—Alaska's oldest hunting and fishing destination. Listen as Steve shares how he and his wife became involved with the lodge and reveals their vision for Camp Iron Sights, a transformative wilderness program dedicated to helping at-risk youth in Alaska. Learn how the camp's remote wilderness setting, combined with leadership training and principles from The Young Traveler's Gift, fosters lasting change through intentional mentorship and community support. Support Camp Iron Sights:  Camp: https://www.campironsights.com/ Facebook: https://www.facebook.com/CampIronSights/ Guiding Influence: https://www.guidinginfluence.org/ Connect with Steve Perrins and the Perrins Rainy Pass Lodge: Website: https://theperrinsrainypasslodge.com/ Facebook: https://www.facebook.com/rainypasslodge/  

How would we use that 100K bonus, and which vacation home rental platform has the best value? We answered these questions and more on the Ask Us Anything hosted live on YouTube on May 7th, 2025.(03:54) - ​​Hi! Q for Stephen: what's your credit card strategy now that you've moved? For everyone: If you lived outside the US but could still have US credit cards, which cards would you keep?(06:45) - ​​Last month, y'all outlined how many cards you open each year- often 12-20. How many do you close each year?(10:23) - ​​I don't know if I really want to know this answer (haha) but did anyone have luck with Atlantis after the Wyndham/Caesars status match deal went dead earlier this year?(12:47) - Any news when we can book Philippine Airlines with Alaska miles? Any ideas to get more Alaska miles to book Philippine Airlines tickets?(17:21) - Am going to book an Air France award ticket. Fees are $400+. If I use Amex Plat for this, will I get 5x? Will I get trip protection/insurance?(18:38) - ​​What is the best use of the recent 100K Chase point offering in terms of Flights overseas? Read our Best Use of Chase Ultimate Rewards points resource here. (30:32) - ​​Can you explain the expiration date reset if merging Avios from other programs with different expiration dates? Read our Avios expiration dates post here.(32:14) - ​​I was just bumped from an SQ J ticket that was booked as part of my RTW itinerary. Do you guys know what kind of compensation to ask for? They offered $525 USD and a Garuda Flight(34:18) - ​​Do authorized users of Ink Preferred or Sapphire be able to transfer points to their airline accounts?(35:25) - ​​Is the option to get both personal Hawaiian cards now dead? (I have both, but P2 does not have both yet)(36:16) - Would Chase allow me to hold multiple Ritz Carlton cards simultaneously? If yes, how?(38:07) - ​​Which vacation home rental program do you recommend for its value?(43:28) - ​​Anyone get/use the Mesa card?(45:03) - Any hidden gems in Puerto Rico that you guys would recommend? I have a trip coming up later this year that I haven't planned much for(46:26) - What's the most memorable reaction you've seen from someone experiencing miles and points who wasn't used to it(47:17) - Which cards does Greg actually use for travel and dining as opposed to the one-off benefits?Visit https://frequentmiler.com/subscribe/ to get updated on in-depth points and miles content like this, and don't forget to like and follow us on social media.Music Credit – “swappin' back n' forth” by up @ night

With white and grey feathers, a piercing stare, and noisy screams, the American Herring Gull is a “seagull” that's well adapted to land-locked living. These impressive, raucous birds are abundant over large swaths of North American from Alaska to Puerto Rico. Whether they're squabbling over table scraps at an inland landfill or scarfing down french fries by the beach, American Herring Gulls are fun birds to watch!This episode is sponsored by Laura Potash of Roslyn, Washington.More info and transcript at BirdNote.org.Want more BirdNote? Subscribe to our weekly newsletter. Sign up for BirdNote+ to get ad-free listening and other perks. BirdNote is a nonprofit. Your tax-deductible gift makes these shows possible.

This week, in Chugiak, Alaska, a senseless murder is quickly solved, when one of the participants goes to police, and spills all the details. The problem is, this only leads to more murder, when the killers seek revenge on the one who squealed. An elaborate plan is hatched, among a family of criminals, leading to a huge explosion, and the wrong people being killed. Luckily, someone in the conspiracy had a conscience, and unravels the whole thing!!Along the way, we find out that in Alaska, you are just as likely to be eaten by a bear, as you are to be killed in any other way, that families who kill together, don't necessarily stay together, and that pregnant ladies named "Peggy" probably shouldn't participate in murders!!New episodes every Thursday & Friday!Donate at: patreon.com/crimeinsports or go to paypal.com and use our email: crimeinsports@gmail.comGo to shutupandgivememurder.com for all things Small Town Murder & Crime In Sports!Follow us on...twitter.com/@murdersmallfacebook.com/smalltownpodinstagram.com/smalltownmurderAlso, check out James & Jimmie's other show, Crime In Sports! On Apple Podcasts, Spotify, Amazon Music, Wondery, Wondery+, Stitcher, or wherever you listen to podcasts!See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Remember when a bunch of dogs saved hundreds of human's lives in Alaska a century ago? In January of 1925, diphtheria, a deadly disease, swept through the village Nome, Alaska… killing multiple children. The town was frozen in for the winter. No roads in or out. No ships able to break through the ice in the sea around it. No planes able to fly through a winter so cold, temperatures on the ground would plummet to nearly -90 degrees Fahrenheit. The only hope to deliver life-saving anti-toxins to the area? Alaska's wildly hearty, determined, and heroic sled dogs. For Merch and everything else Bad Magic related, head to: https://www.badmagicproductions.com