Podcasts about All in One

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.    

Butts & Moff with a big Recovery this week unpacking after dark stories with Matt Hill, Kane vs North Melbourne saga & Buttsy getting into the political scene! This episode of the "Recovery” is brought to you by Salt Movement & Recovery — Melbourne's ALL-IN-ONE wellness hub! Train YOUR way with fully customisable memberships: High-Performance Gym Floor  Recovery Zone Normatec Compression Lounge Group Fitness Classes Whether you're recovering from a brutal game like Chom and Drapes, pumping iron in the gym like me, or sweating off magnums like Butts — Salt Movement & Recovery has you covered. Ready to train smarter and recover better? Hit up saltfit.com.au and get moving today! Quote '200Plus' when signing up at reception and you'll get a $0 sign up fee + the first 2 weeks free! Send us your voice messages here: ⁠https://memo.fm/200pluspodcast/⁠ Produced by Josh Moffitt 200 PLUS Instagram: ⁠https://www.instagram.com/200pluspod/⁠ Sam Draper:⁠ www.instagram.com/drvper/⁠ Nick Butler: ⁠https://www.instagram.com/nick_butler10/⁠ Charlie Comben: ⁠https://www.instagram.com/charliecomben/⁠ Clubby Sports: ⁠https://www.instagram.com/ClubbySports⁠ Producey:⁠ https://producey.com/

What would it look like if you didn't have to be onsite for every event you plan? Could your business actually grow faster if you weren't tied to every detail in person? In this episode, May Yeo Silvers pulls back the curtain on how she manages multiple events, sometimes in different states, without being physically present.   May walks through the exact process she uses to decide when she's needed onsite and when she's not. From assessing a client's team capacity to setting expectations with vendors and venues, she lays out the systems that keep everything running smoothly. She also shares how clear communication and proactive oversight allow her to support events remotely while staying fully in the loop.   And then there's the mindset piece. If you've ever felt like you have to show up in person just to prove your value, May challenges that belief with one simple truth: the work you do before the event is what truly matters.   Want to build a business that doesn't rely on you being everywhere at once? This episode is a solid place to start. For more real talk on how to build a sustainable, scalable event business, grab a copy of May's book, The Unstoppable Eventrepreneur: https://www.amazon.com/Unstoppable-EVENTrepreneur-TM-Profitable-Business/dp/1961347105/    Quotes • “If you want a smooth event, you cannot be pulling your team in all directions.” (05:57 | May Yeo Silvers) • “More than 50% I don't have to be [on site].” (09:55 | May Yeo Silvers) • “I'm not afraid to let go of control because I trust that everybody knows what they're supposed to do because we have communicated and over-communicated and determined that everybody is capable of functioning as a professional to make things happen.” (17:20 | May Yeo Silvers) • “You need to already know that the work that you do leading up to the event has already shown your worth. That's why they hire you.” (18:38 | May Yeo Silvers) • “You have to ask yourself, subconsciously, do you feel that you need to be on-site to make sure that everything is running well, to make sure that you show your face so that you are worth the price that you have asked clients to pay you?” (19:0 | May Yeo Silvers)   Links In order for you to scale your business, you must first build a strong foundation for your business. In my Unstoppable Eventrepreneur book, I talked about rookie mistakes to avoid when starting your business. I also discussed the importance of understanding your financial risk appetite, the mindset that is going to propel you or hold you back. This book is an ALL IN ONE, where you get your questions answered in every aspect when thinking to launch and scale your events business. Grab your copy today using this link!   Connect with May at: may@events4anyone.com  Website: www.mayyeosilvers.com LinkedIn: https://www.linkedin.com/in/mayyeosilvers/ Facebook: www.facebook.com/mayyeosilvers IG: www.instagram.com/mayyeosilvers TikTok: https://www.tiktok.com/@mayyeosilversofficial FB private group: https://www.facebook.com/groups/events4anyone     Podcast production and show notes provided by HiveCast.fm

Butts & Moff are back unpacking this week's episode as well as the importance of ANZAC day, we also hear Buttsy's blue movie story on it's 30th anniversary. This episode of the "Recovery” is brought to you by Salt Movement & Recovery — Melbourne's ALL-IN-ONE wellness hub! Train YOUR way with fully customizable memberships: High-Performance Gym Floor  Recovery Zone Normatec Compression Lounge Group Fitness Classes Whether you're recovering from a brutal game like Chom and Drapes, pumping iron in the gym like me, or sweating off magnums like Butts — Salt Movement & Recovery has you covered. Ready to train smarter and recover better? Hit up saltfit.com.au and get moving today! Quote '200Plus' when signing up at reception and you'll get a $0 sign up fee + the first 2 weeks free! Send us your voice messages here: https://memo.fm/200pluspodcast/ Produced by Josh Moffitt 200 PLUS Instagram: https://www.instagram.com/200pluspod/ Sam Draper: www.instagram.com/drvper/ Nick Butler: https://www.instagram.com/nick_butler10/ Charlie Comben: https://www.instagram.com/charliecomben/ Clubby Sports: https://www.instagram.com/ClubbySports Producey: https://producey.com/

001. Reidak - Remember (Original Mix) [Comet Collective] 002. EgoRythmia - Entropy (Original Mix) [Morion Records] 003. Gaudium - Like A (Original Mix) [Iboga Records] 004. Waveform - Deeper Dream (Original Mix) [Iono Music] 005. Liquid Soul & Kalki - I Am (Original Mix) 006. Disconect & Britti - Talking Gods (Original Mix) [Iono Music] 007. IKØN, Sierra - Spaced Out (Original Mix) [Iboga Records] 008. Side Effects, Altered State - Avatar (Original Mix) [TechSafari Records] 009. Fertile - Consequences (Original Mix) [Iono Music] 010. All In One, The Freak Show - Follow Your Dreams (Original Mix) [Blue Tunes Records] 011. Sasha Malkovich, Kate Barsky - Lady Bug (Original Mix) [Microcosmos Records]

Butts & Moff are back in the studio after a two-week hiatus and hit all weird areas as we build up to the Easter long weekend. This episode of the "Recovery” is brought to you by Salt Movement & Recovery — Melbourne's ALL-IN-ONE wellness hub! Train YOUR way with fully customizable memberships: High-Performance Gym Floor  Recovery Zone Normatec Compression Lounge Group Fitness Classes Whether you're recovering from a brutal game like Chom and Drapes, pumping iron in the gym like me, or sweating off magnums like Butts — Salt Movement & Recovery has you covered. Ready to train smarter and recover better? Hit up saltfit.com.au and get moving today! Quote '200Plus' when signing up at reception and you'll get a $0 sign up fee + the first 2 weeks free! Send us your voice messages here: https://memo.fm/200pluspodcast/ Produced by Josh Moffitt 200 PLUS Instagram: https://www.instagram.com/200pluspod/ Sam Draper: www.instagram.com/drvper/ Nick Butler: https://www.instagram.com/nick_butler10/ Charlie Comben: https://www.instagram.com/charliecomben/ Clubby Sports: https://www.instagram.com/ClubbySports Producey: https://producey.com/

Wondering how today's mortgage rates and loan types could impact your next real estate investment? In this episode of The Real Wealth Show, host Kathy Fettke and guest Caeli Ridge unpack the current lending landscape and what it means for investors looking to grow their portfolios. They break down the differences between conventional and non-QM loans, how to navigate beyond conforming loan limits, and why the All-In-One loan is gaining traction among experienced investors. You'll also learn how debt service coverage ratio (DSCR) loans work, when refinancing makes sense, and how to make smart borrowing decisions based on your unique financial goals. Topics Discussed: 00:00 Intro 01:45 Mortgage Rates 04:15 Conventional Loans 07:47 Non-QM Loans and DSCR 14:31 All in One Loan Product LINKS: RealWealth® WEBINARShttps://realwealth.com/webinars/ JOIN RealWealth® FOR FREE https://tinyurl.com/joinrws1051 FOLLOW OUR PODCASTS The Real Wealth Show: Real Estate Investing Podcast https://link.chtbl.com/RWS Real Estate News: Real Estate Investing Podcast: https://link.chtbl.com/REN FREE RealWealth® EDUCATION & TOOLS RealWealth Market Reports: https://realwealth.com/learn/best-places-to-buy-rental-property/ RealWealth Videos: https://realwealth.com/category/video/ RealWealth Assessment™: https://realwealth.com/assessment/ READ BOOKS BY RealWealth® FOUNDERS The Wise Investor by Rich Fettke: https://tinyurl.com/thewiseinvestorbook Retire Rich with Rentals by Kathy Fettke: https://tinyurl.com/retirerichwithrentals Scaling Smart by Rich & Kathy Fettke: https://tinyurl.com/scalingsmart DISCLAIMER The views and opinions expressed in this podcast are provided for informational purposes only, and should not be construed as an offer to buy or sell any securities or to make or consider any investment or course of action. For more information, go to www.RealWealthShow.com

To kick off the 200s with a bang, guest host Megan Ahern. Denlis is back in the studio for this special milestone episode of The Real Estate Rundown with Owen & Ted. And chaos? Yeah, we've got plenty. We're talking evictions, sewer disasters, structural nightmares, a snake infestation, and enough rehab overages to make your lender sweat. But Megan pulled it off, proving what real staying power looks like when everything goes sideways.Inside this episode:How Megan dumped $200K+ into a nightmare deal and lived to tell about itLessons learned from ignoring inspections (don't do it)What to say to your lender when you're out of time and moneyHow the All-In-One mortgage works—and why it might change your gameDenlis back on the mic with vintage podcast chaosFavorite podcast memories, from BPCon scooters to a drunken Episode 100 bashThis is the real talk you don't get from gurus—the deals that go sideways, the lessons that cost real money, and the wins that come from pushing through.Brandon Turner Joins Us Wednesday It only gets bigger from here. This Wednesday, we're dropping Episode 200 with Brandon Turner himself. You'll hear stories you won't find on other podcasts and get a rare look behind the curtain with one of the biggest names in the game. Trust us—you won't want to miss it.Love what we're doing? Help us keep it going. Leave a 5-star review, tell us your favorite episode or moment, and share the show with someone who's in the trenches with you. Real estate's hard. We keep it real.Watch us on YouTube: https://youtu.be/iQ_JS7ogC3wYou can Join the Omaha REIA - https://omahareia.com/join-today Omaha REIA on Facebook - https://www.facebook.com/groups/OmahaREIA Check out the National REIA - https://nationalreia.org/ Find Ted Kaasch at www.tedkaasch.com Owen Dashner on Facebook https://www.facebook.com/owen.dashner Instagram - https://www.instagram.com/odawg2424/ Red Ladder Property Solutions - www.sellmyhouseinomahafast.com Liquid Lending Solutions - www.liquidlendingsolutions.com Owen's Blogs - www.otowninvestor.com www.reiquicktips.com Propstream - https://trial.propstreampro.com/reianebraska/RESimpli - https:...

Environmental Control …..Definitely the most important aspect of commercial growing. The difference between success and failure. This week we have left the control of our whole show to our first guest Michael the man behind @tricleanair with 20 years of experience with environmental control in commercial gardens Michael saw the need for purpose built DHVAC units, which is an All-In-One system that can control Temperature, Humidity, and CO2 also TriFog Humidity Control systems and DirOxy Dissolved Oxygen Injection systems. Lots of tech talk, but on top of that Michael has created community with some of our old friends such as Ruga from @grassrootscalifornia who rumour has it might be LIVE in studio. We will also talk to some new friends and some of his successful clients such as Bean from @maven_genetics out of LA who believe that everyone who seeks more from cannabis is a connoisseur, an enthusiast, and a true Maven. Also joining the convo is Lance aka @craft_farmer707 who is utilizing Under Canopy lighting and crushing it by the way and finally Jacob @mi_gas from @sevenpointsupply out of Danville Illinois who like our other guests are creating craft cannabis on scale which can only be done with the right equipment which luckily dedicated people like Michael have designed from the ground up. We will also be blessed to have @juiceboxbox and @weedshouldtastegood gracing the studio and joining us for Patreon. So get that @dabx GO rig charged your @jerome_baker bong Clean with some ice

Do you have a pet dog, cat, or maybe a bird or a horse? Have you ever wondered what your furry friend is really thinking? What if you could tap into a deeper level of communication, beyond barks and meows? In this episode, we dive into the fascinating world of animal communication with Shannon Cutts, an expert who unlocks the secrets of intuitive connection and who also happens to be a member of Raise Your Vibration.  Shannon is a professional animal sensitive and intuitive, Reiki Master and animal communication teacher with Animal Love Languages. Shannon's global client base seeks her out for help with pet anxiety, highly sensitive pets, pet transition, pet reincarnation, interspecies family dynamics and more, which makes her the perfect guest to be sharing her knowledge with us today. So, join us as we uncover how to truly listen, not just with our ears, but with our hearts, and discover the extraordinary language our animals speak. Prepare to see your pets in a whole new light!  Has something we shared in this episode resonated with you, or inspired you to interact with the pet you love in a different way? We'd love to hear from you, so tag us or share your thoughts by DM on Instagram, @jill_foubister and @loveandfeathersandshells.  My powerful spiritual toolbox that will deepen your connection to your higher self and expand your consciousness is available now! The Ascension Keys is 45 of the most powerful ASCENSION TOOLS...now ALL IN ONE deck, and you can get them and unlock your ascension at https://www.jilltrainings.com/AscensionKeys. I'm so excited for these because everyone needs a spiritual toolbool, and this will literally change your life!  When you don't know how you sense energy, it's easy to think, "I'm not intuitive." "I'm just not gifted." or worse, "I can't trust myself." The Universe is trying to communicate to you. You've just been unaware of the WAY the messages are coming in. Take my 78 second quiz to reveal your dominant intuitive modality instantly. No more wondering, waiting or guessing! Unlocking your intuition starts right now at https://www.jilltrainings.com/quiz!  Thanks so much for listening! If you haven't yet done so, I would love for you to subscribe and leave a rating and review on your favorite podcast app, and I'll see you back here very soon with a brand-new episode. For full show notes and links, visit: www.jilltrainings.com/blog/40 

Butts & Moff breakdown this week's podcast, Butts press conference mishap and we preview our upcoming guest next week..... This episode of the "Recovery” is brought to you by Salt Movement & Recovery — Melbourne's ALL-IN-ONE wellness hub! Train YOUR way with fully customizable memberships: High-Performance Gym Floor  Recovery Zone Normatec Compression Lounge Group Fitness Classes Whether you're recovering from a brutal game like Chom and Drapes, pumping iron in the gym like me, or sweating off magnums like Butts — Salt Movement & Recovery has you covered. Ready to train smarter and recover better? Hit up saltfit.com.au and get moving today! Quote '200Plus' when signing up at reception and you'll get a $0 sign up fee + the first 2 weeks free! Send us your voice messages here: https://memo.fm/200pluspodcast/ Produced by Josh Moffitt 200 PLUS Instagram: https://www.instagram.com/200pluspod/ Sam Draper: www.instagram.com/drvper/ Nick Butler: https://www.instagram.com/nick_butler10/ Charlie Comben: https://www.instagram.com/charliecomben/ Clubby Sports: https://www.instagram.com/ClubbySports Producey: https://producey.com/

Recovery is back as we unpack this week's podcast, we're joined by our editor Benny who gives an update on how he's been handling the edit. We breakdown the call with Ang Christou, Butts' PPA from the 7Eleven clip and debate whether pushing Ted into karate for some self-defense is the right move. This episode of the "Recovery” is brought to you by Salt Movement & Recovery — Melbourne's ALL-IN-ONE wellness hub! Train YOUR way with fully customizable memberships: High-Performance Gym Floor  Recovery Zone Normatec Compression Lounge Group Fitness Classes Whether you're recovering from a brutal game like Chom and Drapes, pumping iron in the gym like me, or sweating off magnums like Butts — Salt Movement & Recovery has you covered. Ready to train smarter and recover better? Hit up saltfit.com.au and get moving today! Quote '200Plus' when signing up at reception and you'll get a $0 sign up fee + the first 2 weeks free! Send us your voice messages here: https://memo.fm/200pluspodcast/ Produced by Josh Moffitt 200 PLUS Instagram: https://www.instagram.com/200pluspod/ Sam Draper: www.instagram.com/drvper/ Nick Butler: https://www.instagram.com/nick_butler10/ Charlie Comben: https://www.instagram.com/charliecomben/ Clubby Sports: https://www.instagram.com/ClubbySports Producey: https://producey.com/

Have you ever wondered why some of your vision board dreams manifest, while others seem to fall flat? Have you ever felt that disconnect between your desires and your reality, and you've been left frustrated with the process? If you have ever felt this way, then this episode is for you! What I share to today will absolutely transform your vision board from a wish list into a powerful tool for creation.  I'm here to tell you that no matter what you want, no matter what you put on your vision board, you CAN have it, I mean anything, and I'm going to show you how!   If you give my way of vision boarding a try, I would love to hear your thoughts and how it has worked for you!  Tag me or share your thoughts by DM on Instagram, @jill_foubister.   My powerful spiritual toolbox that will deepen your connection to your higher self and expand your consciousness is available now! The Ascension Keys is 45 of the most powerful ASCENSION TOOLS...now ALL IN ONE deck, and you can get them and unlock your ascension at https://www.jilltrainings.com/AscensionKeys. I'm so excited for these because everyone needs a spiritual toolbool, and this will literally change your life!  When you don't know how you sense energy, it's easy to think, "I'm not intuitive." "I'm just not gifted." or worse, "I can't trust myself." The Universe is trying to communicate to you. You've just been unaware of the WAY the messages are coming in. Take my 78 second quiz to reveal your dominant intuitive modality instantly. No more wondering, waiting or guessing! Unlocking your intuition starts right now at https://www.jilltrainings.com/quiz!  Thanks so much for listening! If you haven't yet done so, I would love for you to subscribe and leave a rating and review on your favorite podcast app, and I'll see you back here very soon with a brand-new episode. For full show notes and links, visit: www.jilltrainings.com/blog/39 

Short and snappy show - Butts tells us that he's seen more then just football down at the Pies opening training and his PPA from last night's show. We also chat if Basil Zemplis had Butts covered on the field. This episode of “The Recovery” is brought to you by Salt Movement & Recovery — Melbourne's ALL-IN-ONE wellness hub! Train YOUR way with fully customizable memberships: High-Performance Gym Floor  Recovery Zone Normatec Compression Lounge Group Fitness Classes Whether you're recovering from a brutal game like Chom and Drapes, pumping iron in the gym like me, or sweating off magnums like Butts — Salt Movement & Recovery has you covered. Ready to train smarter and recover better? Hit up saltfit.com.au and get moving today! Quote '200Plus' when signing up at reception and you'll get a $0 sign up fee + the first 2 weeks free! Send us your voice messages here: https://memo.fm/200pluspodcast/ Produced by Josh Moffitt 200 PLUS Instagram: https://www.instagram.com/200pluspod/ Sam Draper: www.instagram.com/drvper/ Nick Butler: https://www.instagram.com/nick_butler10/ Charlie Comben: https://www.instagram.com/charliecomben/ Clubby Sports: https://www.instagram.com/ClubbySports Producey: https://producey.com/

Do you ever feel like your life's a snow globe, shaken upside down just when you thought you had it all together? Have you ever considered that your most frustrating moments are simply the flip side of your greatest potential, and those chaotic days hold the key to unlocking your true power? In this episode, I share how I recently experienced a rollercoaster of emotions, and I reveal a powerful tool that I used to reclaim my inner peace. I was reminded that we all can truly shift our reality by simply shifting our thoughts, always, and being aware of The Law of Polarity is how we can do it.  Are you open and ready to learn how to harness the power of duality, and experience an instant energy shift? If so, I created this episode just for YOU.  I would absolutely love to hear if you tried the tool from today's episode and how it worked for you!  Tag me or share your thoughts by DM on Instagram, @jill_foubister.  My powerful spiritual toolbox that will deepen your connection to your higher self and expand your consciousness is available now! The Ascension Keys is 45 of the most powerful ASCENSION TOOLS...now ALL IN ONE deck, and you can get them and unlock your ascension at https://www.jilltrainings.com/AscensionKeys. I'm so excited for these because everyone needs a spiritual toolbool, and this will literally change your life!  When you don't know how you sense energy, it's easy to think, "I'm not intuitive." "I'm just not gifted." or worse, "I can't trust myself." The Universe is trying to communicate to you. You've just been unaware of the WAY the messages are coming in. Take my 78 second quiz to reveal your dominant intuitive modality instantly. No more wondering, waiting or guessing! Unlocking your intuition starts right now at https://www.jilltrainings.com/quiz!  Thanks so much for listening! If you haven't yet done so, I would love for you to subscribe and leave a rating and review on your favorite podcast app, and I'll see you back here very soon with a brand-new episode. For full show notes and links, visit: www.jilltrainings.com/blog/38 

Recovery is back for 2025 - proudly brought to you by SALT Movement & Recovery - Melbourne's ALL-IN-ONE wellness hub! Butts & Moff have seen all the news and backlash about beep-gate in the first episode, we heard you! So we told Buttsy shit story one more time. We also chat through the fallout from episode one which led to a 'Man Chat' between Moff and Butts. Enjoy plums and remember to GET THE KNEES UP! This episode of “The Recovery” is brought to you by Salt Movement & Recovery — Melbourne's ALL-IN-ONE wellness hub! Train YOUR way with fully customizable memberships: High-Performance Gym Floor  Recovery Zone Normatec Compression Lounge Group Fitness Classes Whether you're recovering from a brutal game like Chom and Drapes, pumping iron in the gym like me, or sweating off magnums like Butts — Salt Movement & Recovery has you covered. Ready to train smarter and recover better? Hit up saltfit.com.au and get moving today! Quote '200Plus' when signing up at reception and you'll get a $0 sign up fee + the first 2 weeks free! Send us your voice messages here: https://memo.fm/200pluspodcast/ Produced by Josh Moffitt 200 PLUS Instagram: https://www.instagram.com/200pluspod/ Sam Draper: www.instagram.com/drvper/ Nick Butler: https://www.instagram.com/nick_butler10/ Charlie Comben: https://www.instagram.com/charliecomben/ Clubby Sports: https://www.instagram.com/ClubbySports Producey: https://producey.com/

Ever wonder if you're truly listening to your inner voice? What if tapping into your intuition could completely transform your business and personal life? Today, I am so excited to introduce you to a member of my signature program, Raise Your Vibration, who is experiencing this exact thing in real time and is here to share all about it.  I wanted to feature Lauren's journey through Raise Your Vibration, because I really think her experience is not only relatable as a mom and a business owner, but also her story of how she discovered her intuition and the ways that she has applied it to her daily life!  Are you looking to strengthen your own intuition, or have an experience of how you've used your “mommy intuition” like Lauren did?  We want to hear all about it! Tag us or share your thoughts by DM on Instagram, @jill_foubister and @laurenmonique.business.  As you heard in last week's episode, I'm now offering my powerful spiritual toolbox that will deepen your connection to your higher self and expand your consciousness. The Ascension Keys is 45 of the most powerful ASCENSION TOOLS...now ALL IN ONE deck, and you can get them now and unlock your ascension at https://www.jilltrainings.com/AscensionKeys. I'm so excited for these because everyone needs a spiritual toolbool, and this will literally change your life!  When you don't know how you sense energy, it's easy to think, "I'm not intuitive." "I'm just not gifted." or worse, "I can't trust myself." The Universe is trying to communicate to you. You've just been unaware of the WAY the messages are coming in. Take my 78 second quiz to reveal your dominant intuitive modality instantly. No more wondering, waiting or guessing! Unlocking your intuition starts right now at https://www.jilltrainings.com/quiz!  Thanks so much for listening! If you haven't yet done so, I would love for you to subscribe and leave a rating and review on your favorite podcast app, and I'll see you back here very soon with a brand-new episode. For full show notes and links, visit: www.jilltrainings.com/blog/37 

Recently, I was asked how I discovered my intuitive gifts, so I really wanted to dive into this question on the podcast in order to help you discover yours! Today, I tell you a bit about my backstory growing up and how I became aware of and developed my own spiritual gifts, the one thing that made them stronger, and the way it has led me to manifest incredible opportunities since as a result. If you are wondering if it is possible for you to tap into this same intuitive power, YES, it absolutely is, and in this episode, I show you how!  Do you have similar experiences of tapping into your own spiritual gifts and intuition? I want to hear all about it! Tag me or share your thoughts by DM on Instagram, @jill_foubister.   As you heard, I'm so excited to be offering my powerful spiritual toolbox that will deepen your connection to your higher self and expand your consciousness. The Ascension Keys is 45 of the most powerful ASCENSION TOOLS...now ALL IN ONE deck, and you can get them now and unlock your ascension at https://www.jilltrainings.com/AscensionKeys. I'm so excited for these because everyone needs a spiritual toolbool, and this will literally change your life!  When you don't know how you sense energy, it's easy to think, "I'm not intuitive." "I'm just not gifted." or worse, "I can't trust myself." The Universe is trying to communicate to you. You've just been unaware of the WAY the messages are coming in. Take my 78 second quiz to reveal your dominant intuitive modality instantly. No more wondering, waiting or guessing! Unlocking your intuition starts right now at https://www.jilltrainings.com/quiz! Thanks so much for listening! If you haven't yet done so, I would love for you to subscribe and leave a rating and review on your favorite podcast app, and I'll see you back here very soon with a brand-new episode. For full show notes and links, visit: For full show notes and links, visit: www.jilltrainings.com/blog/36

001. All In One, The Freak Show - Follow Your Dreams (Original Mix) [Blue Tunes Records] 002. Second Sun, MJFuNk, Axipuy - Colors (Krama Remix) [SpinTwist] 003. Botond - Ultimate Dream (Original Mix) [[TesseracTstudio] 004. Frangipani - Into Space (Original Mix) [Progg N Roll] 005. Miirage, Macedo (BR), Invader Space - Perdidos em Azkaban (Original Mix) [Ubuntu Psy Records] 006. Sabretooth - Ground Truth (Original Mix) [BMSS Records] 007. Ekanta, Punk Rocket, Weberly - Amawole (Original Mix) [Vagalume Records] 008. Sabretooth - God Speed (Original Mix) [BMSS Records] 009. Transient Disorder - Sacred Timeline (Original Mix) [Dacru Records] 010. Relativ, MoRsei - Are We Dreaming (Original Mix) [[Digital Om] 011. Opposite Effect - Planet Of Disconnect (Original Mix) [Rave Tool]

I'd LOVE to hear from you! Now you can send a TEXT MESSAGE! Be sure to leave your contact EMAIL so I can return your message!Today's Partner Episode is brought To You By DrChrono by EverHealth!Start your FREE TRIAL TODAY and see why DrChrono by EverHealth is the #1 All-In-One Mobile EHR!Dr. Alex Foxman joins host Dr. Maryal Concepcion to delve into his journey opening three practices, including the Beverly Hills Institute, his mobile home visit service, and his national virtual weight loss program. He details how DrChrono by EverHealth has revolutionized his clinical operations, enabling seamless communication and task management for each of these practices because it is an All-In-One, cloud-based, customizable EHR. The discussion also touches on the future of AI in healthcare data analytics, positioning DrChrono by EverHealth as a frontrunner in technological advancement.Listeners gain valuable tips on evaluating EHRs, considering factors like workflow compatibility, ease of use, efficiency, and customizability that he has enjoyed with DrChrono by EverHealth. Start your FREE TRIAL TODAY and see why DrChrono by EverHealth is the #1 All-In-One Mobile EHR!Support the showBe A My DPC Story PATREON MEMBER! SPONSOR THE PODMy DPC Story VOICEMAIL! DPC SWAG!FACEBOOK * INSTAGRAM * LinkedIn * TWITTER * TIKTOK * YouTube

Live from the Relay Podcastathon, Jason and special guest Casey Liss ask John a bunch of questions from the Robot Or Not question list. Topics include: All-In-One computers, dates, pasta, and antique vs. retro. It’s Childhood Cancer Awareness Month. Please consider donating as a part of our campaign at stjude.org/relay. John Siracusa and Jason Snell with Casey Liss.

Live from the Relay Podcastathon, Jason and special guest Casey Liss ask John a bunch of questions from the Robot Or Not question list. Topics include: All-In-One computers, dates, pasta, and antique vs. retro. It’s Childhood Cancer Awareness Month. Please consider donating as a part of our campaign at stjude.org/relay. John Siracusa and Jason Snell with Casey Liss.

Which online course platform is the best in 2024? Let's talk about what you should consider.. and how to compare the different options in this episode! And be sure to check out the 20% off Kajabi special at https://CourseCreatorsHQ.com/204. LINKS MENTIONED  Get 20% off the monthly Kajabi plans for the first year... PLUS free coaching with host Julie Hood for 10 weeks AND her Kajabi training course when you sign up here:   https://CourseCreatorsHQ.com/Kajabi20        KEY TAKEAWAYS FOR ONLINE COURSE CREATORS   6 parts of hosting your course:  1. Host your files (videos, audios, worksheets)  2. Login and lock content  3. Email your students  4. Way to get paid - sales page and advanced * affiliate tracking  5. Community  6. Mobile  The other 4 parts of your online business:  7. Landing pages /optin pages  8. Email Newsletters  9. Blog  10. Website    15 Questions to Ask About Any Only Course Tool  1. Is this a Course Host? All-In-One tool? Or somewhere in between?  2. How is the student experience?  3. Where will you host your videos?  4. Do they have an affiliate program built in? (even if it's an upgrade)  5. What's the pricing?   6. How long can I invest before I make sales?  7. Contact Support. How responsive are they? What kind of support?  8. How long has the company been around?  9. Does it work with the tools I already have? (without having to buy Zapier)  10. What kinds of automations are available?   11. Do I need mobile?   12. Do I need a community NOW?  13. Can I see student progress? How much they have logged in? How many lessons they have done?  14. How much control do I have over the look and feel?  15. Do I need extras? Quizzes, Completion Certificates, Load bulk users, VAT Taxes. Anything else?      COME VISIT JULIE!  Get on the email list AND get the FREE Ultimate Course Creators Planner -  https://coursecreatorshq.com/2024PlannerPodcast  Get this free course -  Is My Course Idea Any Good? here -https://www.coursecreatorshq.com/ideaGoodPods Let's talk about this episode on GoodPods – https://CourseCreatorsHQ.com/goodpods (mobile only, download the app first) Website https://www.CourseCreatorsHQ.comYouTube  https://coursecreatorshq.com/YouTubePodcast   Facebook https://www.facebook.com/CourseCreatorsHQInstagram  https://www.instagram.com/CourseCreatorsHQTwitter https://www.Twitter.com/CourseHQThreadshttps://www.threads.net/@coursecreatorshq  Disclaimers  https://coursecreatorshq.com/disclaimers/

This weekend's 1 in 36 guests are Daniel and Nicolas Caridi. This brother duo run Kibu - a new approach to inclusivity, based in Stamford, CT. Daniel is the Co-Founder and CEO of Kibu, Nicolas is the Marketing Director and Director of Partnerships. Kibu is an All-In-One platform for providers, parents, and schools. For individuals, Kibu offers engaging fitness, recreational, job, and life skills classes. Kibu also helps organizations with engaging content and administrative tools. Tune in to learn more or visit: https://kibuhq.com/

Bob is fascinated by the balance between the need for regulation and the vast growth of the administrative state. We are also fascinated by just how much the political winds impact the law...even though we like to believe it is solid and hard to change.  Look no further than the 88-year-old National Labor Relations Act, and the National Labor Relations Board (NLRB) which it created. It is now under fire at the Supreme Court.A product of the New Deal, the NLRB has yet to face such a challenge in the modern era, but major companies like SpaceX, Starbucks, and Trader Joe's have marshaled a constitutional challenge to the legitimacy of its composition and enforcement activities, hoping to eventually find a sympathetic ear before the U.S. Supreme Court, currently controlled by a conservative majority. These arguments range from challenges to the board's impartiality to issues concerning the separation of powers doctrine, given the inability to remove board members except “for cause,” to violations of due process and deprivation of the right to trial by jury under the Fifth and Seventh Amendments, respectively. And given the Biden NLRB's aggressive policy and enforcement prerogatives, these arguments have begun to become commonplace defenses against its actions.John Balitis knows the NLRB. He knows what it is like to "walk in" and face an administrative investigation/prosecution/enforcement/judicial and appellate body...ALL IN ONE!His prediction? Somehow the board...which impacts virtually every workplace...is likely going to be a different animal once the Supreme Court rules.  How different?  What does it mean for employers?  Employees?Take a listen now!

In this week's episode we give you ALL the juice behind VOOMIE! In this episode, you'll hear: