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Welcome back to The Viall Files: Reality Recap!  We're back with another banger episode, as we welcome Traitors and Survivor legends Yam Yam and Sandra to the show to dive deep into the dramatic chaos that was the banquet, and more! Plus, we welcome Ex-Patriatch to get into recent Justin Baldoni and Blake Lively headlines. Meanwhile, we cover Karen Huger's interview with Andy on RHOP, RHOBH, the Grammy's, and more!  "I'd murder Dorinda!"  The Viall Files is going LIVE with the new cast of Temptation Island on May 6th! Tickets are on sale NOW! For more information, please visit netflixisajokefest.com.  Want ad free episodes and incredible bonus content?  Start your 7 Day Free Trial of Viall Files + here: https://viallfiles.supportingcast.fm/  HEY! YOU! DO YOU NEED DATING AND RELATIONSHIP ADVICE?  Email asknick@theviallfiles.com and be a part of future Ask Nick episodes! Subscribe to The ENVY Media Newsletter Today: https://www.viallfiles.com/newsletter  Listen to Humble Brag with Cynthia Bailey and Crystal Kung Minkoff now!  Listen on Apple: https://podcasts.apple.com/us/podcast/humble-brag-with-crystal-and-cynthia/id1774298881  Listen on Spotify: https://open.spotify.com/show/4NWA8LBk15l2u5tNQqDcOO?si=3b868996930347e8  Watch on YouTube: https://www.youtube.com/@humblebragpod Listen To Disrespectfully with Katie Maloney and Dayna Kathan now! Listen on Apple: https://podcasts.apple.com/us/podcast/disrespectfully/id1516710301 Listen on Spotify: https://open.spotify.com/show/0J6DW1KeDX6SpoVEuQpl7z?si=c35995a56b8d4038 Watch on YouTube: https://www.youtube.com/channel/UCCh8MqSsiGkfJcWhkan0D0w To Order Nick's Book and/or learn more about the show, go to: https://viallfiles.com THANK YOU TO OUR SPONSORS: Olipop - Get a free can of OLIPOP: Buy any 2 cans of Olipop in store, and we'll pay you back for One. Works on any flavor, any retailer at https://drinkolipop.com/viall  Ollie - Celebrate your number one valentine, your greatest love, your dog! Head to https://ollie.com/viall, tell them all about your dog, and use code VIALL to get 60% off your Welcome Kit when you subscribe today! Betterhelp - BetterHelp makes it easy to get matched online with a qualified therapist. Sign up and get 10% off at https://betterhelp.com/viall  Quince - Refresh your wardrobe with Quince. Go to https://quince.com/viall for free shipping on your order and 365-day returns. Clearstem - Discover the CLEARSTEM difference — Because CLEAR SKIN CHANGES EVERYTHING. Go to https://clearstem.com/viall and use code VIALL at checkout for 15% off your first order. To advertise on this podcast please email: ad-sales@libsyn.com or go to: https://advertising.libsyn.com/theviallfiles   Timestamps: 00:00 - Intro 19:05 - Brent Joins  36:40 - Household Headlines 57:15 - Sandra Joins 1:21:28 - Yam Yam Joins 1:34:31 - RHOP Recap 1:48:50 - Outro Episode Socials: @viallfiles @nickviall @nnataliejjoy @yamilpr @sassysdt @ex.patriarch @ciaracrobinson @justinkaphillips @leahgsilberstein @the_mare_bare  

It's been a year and a half since we aired an episode where we spoke with Evan about his past and his current health journey of losing weight and reclaiming his life. In this episode, Evan tells us what he's been up to and also surprises us with how much his perspective has changed since his weight loss surgery. Watch us on YouTube here⁠! Get this episode ad-free here! Listen to Geoffrey's album on ⁠Spotify⁠ and ⁠Apple⁠! Shop my favorite bras and underwear at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SKIMS.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. After you place your order, be sure to let them know I sent you! Select "podcast" in the survey and be sure to select my show in the dropdown menu that follows. Find your fall staples at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Quince.com/TFA⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠! All-in-one nutrition for daily performace at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠DrinkAg1.com/THANKS⁠⁠ Check out Rocket Money at⁠⁠ rocketmoney.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Tuesday, February 3rd, 2026Today, Georgia sues the government to get their ballots back; Trump announces he's closing the Kennedy Center; a Border Patrol agent in Minneapolis has been charged with DUI after being found asleep in his car covered in vomit; the mayor of Portland has demanded ICE leave after gassing children; there's a measles outbreak at the Dilly concentration camp; Donald Trump ordered Gabbard to be at the Fulton County raid after Todd Blanche said he wasn't involved at all; and Allison and Dana deliver your Good News.Thank You, IQBARText DAILYBEANS to 64000 to get 20% off all IQBAR products, plus FREE shipping. Message and data rates may apply. Thank You, ShopifySign up for a $1/month trial period at shopify.com/dailybeansDana Goldberg Tour DatesThe LatestBREAKING: EXCLUSIVE: Epstein Files Tipster Tells Me About Her Friend Being Trafficked to Epstein Through Trump Modeling AgencyStoriesGabbard Arranges Trump Call With FBI Agents After Georgia Election Center Search | The New York TimesMayor of Portland, Oregon, demands ICE leave the city after federal agents gas protesters | POLITICOICE halts "all movement" at Texas detention facility due to measles infections | CBS NewsBorder Patrol employee found ‘covered in vomit' in St. Paul, charged with drunk driving | Sahan JournalGood TroubleFrom Marcie Wheeler (@emptywheel) on BlueskyAs the House prepares to fight over how much of DHS to shut down, I encourage you to pick your favorite factoid from this Garret Graff report on CBP/ICE criminality and send it to your Member of Congress. Link to the piece:Accountability for ICE and CBP However bad you think the corruption and misconduct at ICE and CBP is — the reality is far far worse.→How to Film ICE | WIRED→Standwithminnesota.com→Tell Congress Ice out Now | Indivisible→Defund ICE (UPDATED 1/21) - HOUSE VOTE THURSDAY→Congress: Divest From ICE and CBP | ACLU→ICE List  →iceout.org→2026 Trans Girl Scouts To Order Cookies From! | Erin in the MorningGood NewsPhotos: S.F. protesters spell out 'Abolish ICE' in human banner on Ocean BeachRiverwest 24Canadian company says Virginia warehouse sale to ICE won't proceed | AP NewsTour — DANA GOLDBERG→Go To Good News & Good Trouble - The Daily Beans to Share Yours Subscribe to the MSW YouTube Channel - MSW Media - YouTubeOur Donation LinksPathways to Citizenship link to MATCH Allison's Donationhttps://crm.bloomerang.co/HostedDonation?ApiKey=pub_86ff5236-dd26-11ec-b5ee-066e3d38bc77&WidgetId=6388736Allison is donating $20K to It Gets Better and inviting you to help match her donations. Your support makes this work possible, Daily Beans fam. Donate to It Gets Better / The Daily Beans FundraiserJoin Dana and The Daily Beans with a MATCHED Donation http://onecau.se/_ekes71More Donation LinksNational Security Counselors - Donate

Ep 316: A young woman's disappearance from her home in Puerto Rico is a reminder of how urgently violence against women needs to be combated in this US territory This is the Valerie Ann Almodóvar story. Sources for Today's Episode: Primera Hora El Nuevo Día NotiCel San Juan Daily star World Health Organization Hiplatina.com Pasquines.us Sponsors: (thanks for using our promo codes, it really does help the show!) HungryRoot - You're going to love Hungryroot as much as I do. For a limited time get 40% off your first box PLUS get a free item in every box for life. Go to Hungryroot.com/WAC and use code WAC. Shopify - See less carts go abandoned and more sales go 'CHA CHING' with Shopify and their Shop Pay button. Sign up for your one-dollar-per-month trial today at shopify.com/crimewomen Credits: Written and Hosted by Amy Shlosberg and Meghan Sacks Produced by James Varga Audio Editor, Jose Alfonzo Script Editor, Abagail Belcastro Music by Dessert Media Get Even More Women&Crime Episodes: Patreon - Ad-free shows starting at $2 a month, or upgrade for $5 a month to get a new extra episode every month, as well as exclusive virtual HappyHours with Meg & Amy. Check-out other tiers for perks such as lectures, true crime book club, and more! Visit our Patreon page for more info: https://www.patreon.com/womenandcrime Apple Subscriptions - Exclusive episodes and ad-free regular stories are now available through Apple's podcast app for only $4.99 a month, or save with an annual membership. YouTube Memberships - Exclusive episode available on YouTube for only $4.99 a month. https://www.youtube.com/@WomenandCrime/membership Help is Available: If you or someone you know is in a crisis situation, or a victim of domestic, or other violence, there are many organizations that can offer support or help you in your specific situation. For direct links to these organizations please visit https://womenandcrimepodcast.com/resources/ Learn more about your ad choices. Visit megaphone.fm/adchoices

The Beck rarity “Everybody's Gotta Learn Sometime” has officially hit streaming services and we can't get enough of it. We've also got new (not-yet-announced) projects from Friko and Asher White, a witchy new cut from the duo Sibyl, the Polish composer and guitarist Szymon Wójcik and more.NPR Music's Lars Gotrich joins host Robin Hilton.Featured songs and artists:(00:00) Intro and The Grammys(03:31) Beck: “Everybody's Gotta Learn Sometime,” from ‘Everybody's Gotta Learn Sometime'(12:29) Rat Penat: “Kijiji,” from ‘Over Easy'(18:26) Friko: “Seven Degrees,” from ‘Something Worth Waiting For'(25:27) Sibyl: “Witch Wife,” from ‘Sibyl'(30:42) Asher White: “Casper,” from ‘Jessica Pratt'(38:22) Szymon Wójcik: “it's only begun,” from ‘when you rub your eyes, you see things you can't describe'Support the show with a review on Apple, Spotify, or wherever you listen to podcasts. And tell a friend!Questions, comments, suggestions or feedback of any kind always welcome: allsongs@npr.orgLearn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy

Trump dominates Epstein docs with 4,500+ hits—flight logs, assault claims, elite dirt—tied to the depraved Zionist Jewish rulers using child rape and sacrifices to control U.S. gov and military. Dr. Michael Rectenwald exposes it all. Ryan Matta breaks down the massive Epstein release—millions of pages exposing Jeffrey as Mossad's blackmail kingpin targeting politicians, tech giants, and fueling regime shifts like Ukraine 2014 to back Israel's wars and expansions. John Jubilee from Energized Health is dropping truth bombs today, revealing how inner cellular hydration reverses heart damage, gets patriots off dozens of deadly meds, and rebuilds real health from the cells up. Go to energizedhealth.com right now, smash the red Cellular Health Training button for the free live class this February, register, and arm yourself with the knowledge to survive their attack!

In this Bible Story, Jacob favors his youngest son Joseph, bringing contempt to his brothers. Joseph is given a coat of many colors by his father and the brothers sell Joseph into slavery, lying to their father about his death. This story is inspired by Genesis 37 & 39:20. Go to BibleinaYear.com and learn the Bible in a Year.Today's Bible verse is Genesis 37:5 from the King James Version.Episode 25: Israel and his family moved to the land of Canaan, where they were prospering and enjoying life. While there, Jacob showered his youngest son Joseph with love, showing him to be his favorite by giving him an extraordinary coat with many colors. This caused his brothers to hate him, and when he started having dreams of his brothers and parents bowing down to him, his brothers became even angrier. In their rage, they threw him in a pit and sold him into slavery, concocting a lie to tell their father about Joseph’s death.Hear the Bible come to life as Pastor Jack Graham leads you through the official BibleinaYear.com podcast. This Biblical Audio Experience will help you master wisdom from the world’s greatest book. In each episode, you will learn to apply Biblical principles to everyday life. Now understanding the Bible is easier than ever before; enjoy a cinematic audio experience full of inspirational storytelling, orchestral music, and profound commentary from world-renowned Pastor Jack Graham.Also, you can download the Pray.com app for more Christian content, including, Daily Prayers, Inspirational Testimonies, and Bedtime Bible Stories.Visit JackGraham.org for more resources on how to tap into God's power for successful Christian living.Pray.com is the digital destination of faith. With over 5,000 daily prayers, meditations, bedtime stories, and cinematic stories inspired by the Bible, the Pray.com app has everything you need to keep your focus on the Lord. Make Prayer a priority and download the #1 App for Prayer and Sleep today in the Apple app store or Google Play store.Executive Producers: Steve Gatena & Max BardProducer: Ben GammonHosted by: Pastor Jack GrahamMusic by: Andrew Morgan SmithBible Story narration by: Todd HaberkornSee omnystudio.com/listener for privacy information.

Matt Lewis and Dr.Eleanor Janega are launched into a medieval battle, how do they survive? They explore the intricacies of medieval warfare; from the strategic brilliance of leaders like Saladin to the unexpected outcomes of famous battles like Agincourt and Bannockburn, delving into what it takes to win against overwhelming odds.MOREWhat Are The High Middle Ages?Listen on AppleListen on SpotifyThe Battle of AgincourtListen on AppleListen on SpotifyGone Medieval is presented by Matt Lewis and Dr. Eleanor Janega. Audio editor is Amy Haddow, the producer is Joseph Knight. The senior producer is Anne-Marie Luff.All music used is courtesy of Epidemic Sounds.Gone Medieval is a History Hit podcast.Sign up to History Hit for hundreds of hours of original documentaries, with a new release every week. Sign up at https://www.historyhit.com/subscribe.  Hosted on Acast. See acast.com/privacy for more information.

- Apple Buys Israel-Based Startup Q.ai - Counterpoint Research: iPhones Were Seven of 2025's Top-Ten Smartphones - Apple Makes Ordering Macs à la Carte - Apple Outs Older iOS and watchOS Versions with Certificate Updates - Apple Updates iOS 16 to Address Emergency Call Issues in Australia - Apple Studios to Develop "Cosmere" Books for Film, TV - Apple TV Orders Third Season of "Your Friends and Neighbors" Ahead of Second Season Premier - "F1" Soundtrack Track Picks Up a Country Grammy - "F1 The Movie" is the Most Watched Movie on Apple TV - Sponsored by NordLayer: Get an exclusive offer - up to 22% off NordLayer yearly plans plus 10% on top with coupon code: macosken-10-NORDLAYER at nordlayer.com/macosken - Sponsored by Copilot Money: Get a two months free trial with Offer Code MACOSKEN at try.copilot.money/macosken - Catch Ken on Mastodon - @macosken@mastodon.social - Send Ken an email: info@macosken.com - Chat with us on Patreon for as little as $1 a month. Support the show at Patreon.com/macosken

This Week In Startups is made possible by:Uber - http://uber.com/twistDeel - http://deel.com/twistNorthwest Registered Agent - https://www.northwestregisteredagent.com/twistToday's show: SpaceX is buying xAI, forming a mega-corp that plans to launch data centers into SPACE. Will Tesla also join up, fulfilling Elon's destiny to become real-life Tony Stark, with his own Musk Industries? Jason and Alex break down the future of SpaceXAI in a breaking news report.THEN, we're still celebrating OpenClaw (née Clawdbot) Mania! Oliver and Lukas return to TWiST to share their Almost Top 10 (okay it's just a Top 6) favorite Skills so far. Learn how they're using Replicants to summarize TWiST episodes, surf Reddit, produce original Gamma decks, train agents to make themselves smarter, and take care of LAUNCH's administrative and operations tasks.Timestamps:(00:00) BREAKING: SpaceX bought xAI! (1:56) Why it will be cheaper to generate compute in space than here on Earth(8:19) Will Tesla eventually join the club, forming “Musk Industries”?(11:36) Uber AI Solutions - Your trusted partner to get AI to work in the real world. Book a demo with them TODAY at http://uber.com/twist(12:37) ALSO BREAKING: We're still obsessing about Clawdbot/OpenClaw(14:58) So is OpenClaw and all of its various skills secure yet? NO.(16:42) Today we're looking at our picks for the Top 6 OpenClaw skills(17:13) Alex's first pick: Reddit (read only), which makes it easier to track down what you want on the aggregator(19:35) Reddit hates bots! But maybe they'll change their tune?(21:47) Deel - Founders ship faster on Deel. Set up payroll for any country in minutes and get back to building. Visit http://deel.com/twist to learn more.(22:46) Our Replicant summarized the last few episodes of TWiST… but at what COST? (18 cents)(26:40) Lukas taught our Replicant to make Gamma decks for us(29:23) Northwest Registered Agent - Get more when you start your business with Northwest. In 10 clicks and 10 minutes, you can form your company and walk away with a real business identity —  Learn more at https://www.northwestregisteredagent.com/twist(30:21) Our Replicant has ALL the Polymarket data now! The power!(34:14) AI agents are also playing cards together on ClawPoker(35:07) Oliver tested out our pal Matt Van Horn's (@mvanhorn) self-improving “Last 30 Days” skill(38:22) Why memory is so crucial for getting models to improve themselves over time(40:33) Yo dawg I know you like monitoring tasks so I built you a task monitor that monitors your tasks so you can task monitor your tasks(41:40) What makes OpenClaw so powerful is also what makes it dangerous!(49:12) If you want to really learn about OpenClaw, you need to make your own skills(50:03) Jason's advice for OpenClaw's suddenly famous creator: Peter Steinberger (@steipete)(56:31) What would be the best way(s) to monetize OpenClaw?(57:54) Will an OpenClaw agent sue a human in court?*Subscribe to the TWiST500 newsletter: https://ticker.thisweekinstartups.com/Check out the TWIST500: https://twist500.comSubscribe to This Week in Startups on Apple: https://rb.gy/v19fcp*Follow Lon:X: https://x.com/lons*Follow Alex:X: https://x.com/alexLinkedIn: https://www.linkedin.com/in/alexwilhelm/*Thank you to our partners:(11:36) Uber AI Solutions - Your trusted partner to get AI to work in the real world. Book a demo with them TODAY at http://uber.com/twist(21:47) Deel - Founders ship faster on Deel. Set up payroll for any country in minutes and get back to building. Visit http://deel.com/twist to learn more.(29:23) Northwest Registered Agent - Get more when you start your business with Northwest. In 10 clicks and 10 minutes, you can form your company and walk away with a real business identity —  Learn more at https://www.northwestregisteredagent.com/twistCheck out all our partner offers: https://partners.launch.co/

 I sit down with my friend Todd Peterson to unpack some of the most meaningful conversations we have had over the years about faith, leadership, marriage, and the hidden risks that come with success. We talk candidly about why so many men fall at the peak of their influence and how isolation, pride, and lack of accountability quietly take hold. Todd shares hard-earned perspective from his own life, including lessons from his NFL career, his walk with Jesus, and decades of mentoring men through seasons of growth and unraveling. This conversation is deeply personal, reflective, and grounded in the practical realities of what it means to live with humility, conviction, and purpose. We discuss: Why isolation and unchecked success often lead great men to fall The role of humility, confession, and accountability in long-term leadership How marriage and trusted relationships shape a man's character and decisions The difference between being saved and actively walking in the Spirit Why meaningful impact is always built through collaboration, not independence This episode is for anyone wrestling with ambition, faith, leadership, or the desire to build a life that holds up over time. Todd Peterson is the interim CEO and Chairman Emeritus of Seed Company, a world leader in accelerated Scripture translation. Seed Company has partnered with more than 900 other agencies to cumulatively impact more than 1,100 language groups over the last 20 years. Peterson was drafted in 1993 by the NY Giants, leading to a 13-year career in the NFL where he also played for Seattle, Kansas City, San Francisco and Atlanta. He set a number of team records and two NFL records – one of which is since broken (most 40-plus-yard field goals in a season). He was named NFL True Value Man of the Year for the Seahawks in 1996 and twice received the NFL Players Association Byron “Whizzer” White award for excellence in character and leadership on his teams. He was twice nominated for the NFL's Bart Starr Award. Peterson retired in 2006 as one of only 34 players to score over 1,000 points. He is the only player in NFL history to make game-winning field goals for five or more different teams. (00:03:45) - Why great men “fall” (00:08:32) - Success-induced isolation (00:14:23) - Sin (00:21:31) - Salvation (00:23:42) - A day in Todd's life (00:30:41) - Living in a biblically illiterate world (00:36:03) - The importance of marriage (00:50:08) - Having a close group of men in your life (00:55:42) - Having a relationship with Jesus is hard (01:09:21) - Undeserved favor Links: Seed Company - https://seedcompany.com/ Support our Sponsors Ramp: https://ramp.com/powers Collateral Partners: https://collateral.com/fort Chris on Social Media: Chris on X: https://x.com/fortworthchris Instagram: https://www.instagram.com/thefortpodcast LinkedIn: https://bit.ly/45gIkFd Watch POWERS on YouTube: https://bit.ly/3oynxNX Visit our website: https://www.powerspod.com/ Leave a review on Apple: https://bit.ly/45crFD0 Leave a review on Spotify: https://bit.ly/3Krl9jO  POWERS is produced by https://www.johnnypodcasts.com/

February 2nd, 2026 Follow us on Facebook, Instagram and X Listen to past episodes on The Ticket’s Website And follow The Ticket Top 10 on Apple, Spotify or Amazon MusicSee omnystudio.com/listener for privacy information.

February 2nd, 2026 Follow us on Facebook, Instagram and X Listen to past episodes on The Ticket’s Website And follow The Ticket Top 10 on Apple, Spotify or Amazon MusicSee omnystudio.com/listener for privacy information.

February 2nd, 2026 Follow us on Facebook, Instagram and X Listen to past episodes on The Ticket’s Website And follow The Ticket Top 10 on Apple, Spotify or Amazon MusicSee omnystudio.com/listener for privacy information.

Jase, Missy, and Al dive into an unfiltered conversation about cheating, confession, and the judgment that often follows when sin comes into the light. Joined by longtime friend, author, and counselor Kasey Van Norman, they confront the lie beneath adultery and why hiding can feel safer than healing, especially in church culture. Kasey shares her own story of infidelity, exposure, and redemption, revealing how honesty brought freedom even when consequences were severe.  In this episode: 1 John 1, verse 7; John 8, verses 1–11; Ephesians 6, verses 16–17; Isaiah 6, verses 5–8 “Unashamed” Episode 1260 is sponsored by: https://preborn.com/unashamed — Visit the PreBorn! website or dial #250 and use keyword BABY to donate today. https://myphdweightloss.com — Find out how Al lost 80+ pounds. Schedule your one-on-one consultation today by visiting the website or calling 864-644-1900 and mention "AL" http://unashamedforhillsdale.com/ — Sign up now for free, and join the Unashamed hosts every Friday for Unashamed Academy Powered by Hillsdale College wisdom, humor, and biblical truth, available for free for the first time! Get it on Apple, Spotify, Amazon, and anywhere you listen to podcasts! https://podcasts.apple.com/us/podcast/at-home-with-phil-robertson/id1835224621 Listen to Not Yet Now with Zach Dasher on Apple, Spotify, iHeart, or anywhere you get podcasts. Chapters: 00:00 Unashamed “after dark” 03:58 Why church smiles don't match Sunday morning reality 07:12 Parenting later in life changes everything 09:16 Missy welcomes longtime friend Casey Van Norman 12:38 Duck hunting & menopause don't mix 20:36 Casey's marriage story & the moment everything shifted 27:48 Believing in God but believing the wrong lie 35:04 Confession, consequences, & real freedom 42:18 Illness, criticism, & choosing grace anyway 49:36 Creating space for healing — Learn more about your ad choices. Visit megaphone.fm/adchoices

Our first caller wonders if she's intimidating or just totally oblivious.The second caller is grappling with broken trust after her fiancé lied about an addiction, with only four months until "I do." And our final caller needs tough advice to navigate messy friend-group drama. "You just have to own who you are." The Viall Files is going LIVE with the new cast of Temptation Island on May 6th! Presale is already open if you use code JOKES. General sale starts Friday January 23rd @10am PT. For more information, please visit netflixisajokefest.com.  Want ad free episodes and incredible bonus content?  Start your 7 Day Free Trial of Viall Files + here: https://viallfiles.supportingcast.fm/  Love drama, tough questions, and Nick's honest advice? Follow @asknickviall on Instagram and Tiktok for dating and relationship advice from someone who's seen it all  HEY! YOU! DO YOU NEED DATING AND RELATIONSHIP ADVICE?  Email asknick@theviallfiles.com and be a part of future Ask Nick episodes! Subscribe to The ENVY Media Newsletter Today: https://www.viallfiles.com/newsletter   Listen to Humble Brag with Cynthia Bailey and Crystal Kung Minkoff now!  Listen on Apple: https://podcasts.apple.com/us/podcast/humble-brag-with-crystal-and-cynthia/id1774298881  Listen on Spotify: https://open.spotify.com/show/4NWA8LBk15l2u5tNQqDcOO?si=3b868996930347e8  Watch on YouTube: https://www.youtube.com/@humblebragpod Listen To Disrespectfully with Katie Maloney and Dayna Kathan now! Listen on Apple: https://podcasts.apple.com/us/podcast/disrespectfully/id1516710301 Listen on Spotify: https://open.spotify.com/show/0J6DW1KeDX6SpoVEuQpl7z?si=c35995a56b8d4038 Watch on YouTube: https://www.youtube.com/channel/UCCh8MqSsiGkfJcWhkan0D0w To Order Nick's Book and/or learn more about the show, go to: https://viallfiles.com THANK YOU TO OUR SPONSORS: Helix Sleep - Go to https://helixsleep.com/viall  for 27% off sitewide for their President's Day Sale. Shipstation - Try ShipStation free for sixty days with Full access to all features, No credit card needed! Go to https://shipstation.com and use code viall for sixty days for free! Article Furniture - Article is offering our listeners $50 off your first purchase of $100 or more To claim, visit https://article.com/viall and the discount will be automatically applied at checkout David Protein - Don't just take my word for it – go grab one for yourself. Head to Walmart today to try a bar or stock up on 4CTs of your favorite flavors, like Blueberry Pie and Salted Peanut Butter, sold exclusively at Walmart. ASPCA - To explore coverage, visit https://aspcapetinsurance.com/viall  Article Furniture - Article is offering our listeners $50 off your first purchase of $100 or more To claim, visit https://article.com/viall and the discount will be automatically applied at checkout To advertise on this podcast please email: ad-sales@libsyn.com or go to: https://advertising.libsyn.com/theviallfiles   Timestamps: (00:00) - Intro (01:31) - Caller One (34:18) - Caller Two (01:19:15) - Caller Three  Episode Socials: @viallfiles @nickviall @justinkaphillips @the_mare_bare @izeweaver  

In this episode, Garrett and Payton break down the chilling case of a TikTok personality whose online persona blurred into real life. What began as imitation of a fictional villain spiraled into obsession, control, and ultimately a brutal double homicide. Links: Netflix: https://www.netflix.com/murderwithmyhusband Patreon: https://www.patreon.com/murderwithmyhusband NEW MERCH LINK: https://mwmhshop.com Discount Codes: https://mailchi.mp/c6f48670aeac/oh-no-media-discount-codes Twitch: https://www.twitch.tv/themwmh Instagram: https://www.instagram.com/murderwithmyhusband/ Watch on Youtube: https://www.youtube.com/@murderwithmyhusband Listen on Apple: https://podcasts.apple.com/us/podcast/into-the-dark/id1662304327 Listen on spotify: https://open.spotify.com/show/36SDVKB2MEWpFGVs9kRgQ7?si=f5224c9fd99542a7 Case Sources:NBC San Diego - https://www.nbcsandiego.com/news/local/san-diego-tik-tok-ali-abulaban-sentenced-murder/3552934/ SanDiego.gov -  https://www.sandiego.gov/sites/default/files/102521_update_on_double_homicide_in_east_village_high_rise.pdf CBS8.com - https://www.cbs8.com/article/news/crime/arraignment-double-homicide-suspect-in-downtown-san-diego-shooting/509-40cc1b5a-5de0-43f2-acf3-9cee5748e9c1 TimesOfSanDiego.com - https://timesofsandiego.com/crime/2024/05/20/mother-psychologist-testify-in-san-diego-tiktok-stars-double-murder-trial/#google_vignette NYPost.com - https://nypost.com/2024/09/12/us-news/tiktok-scarface-star-who-murdered-wife-and-her-lover-mockingly-claps-while-sentenced-to-life-in-prison/#! 10News.com - https://www.10news.com/news/local-news/san-diego-news/mother-psychologist-testify-in-jinnkid-trial-of-east-village-killings People.com - https://people.com/ali-abulaban-verdict-guilty-of-murdering-wife-and-her-male-friend-8655603 Oxygen.com - https://www.oxygen.com/crime-news/tiktok-star-murders-ali-abulaban-ana-sentence USA.Inquirer.net - https://usa.inquirer.net/156275/tiktok-star-sentenced-to-life-in-prison-for-killing-fil-am-wife EOnline.com - https://www.eonline.com/news/1307216/tiktok-star-ali-abulaban-pleads-not-guilty-to-double-murder-of-wife-and-male-victim RollingStone.com - https://www.rollingstone.com/culture/culture-news/tiktok-murder-wife-ali-abulaban-trial-1290372/ Variety.com - https://variety.com/2024/film/news/tiktok-star-murders-audio-killing-50-cent-1236047494/ Tik Tok Star Murders - https://www.peacocktv.com/watch/playback/vod/GMO_00000000233437_02_HDSDR/406cadce-7c0a-30c5-bd61-5dc18313f8d4 Learn more about your ad choices. Visit podcastchoices.com/adchoices

Watch this episode on YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Zach, Amin and Mayes come up with origin stories or re-imaginings of their favorite characters and Cinephobe movies ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠CINEPHOBE MERCH STORE⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ - Check it out here:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ https://bit.ly/CTDMERCH⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Join the Count The Dings Patreon⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for Rewatchingtons, Ad-Free Episodes, Extended Cold Opens and more at⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ www.patreon.com/CountTheDings⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Cinephobe is now on Youtube!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Subscribe and check out CT5s and Look At This Photograph on Video. Subscribe to Cinephobe! Then Rate 5 Stars on⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Apple⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Spotify⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Follow Cinephobe on Twitter, Instagram & Threads: CTD⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ @countthedings⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ IG:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ @cinephobepod⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Threads:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ @cinephobepod⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠  Zach Harper⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ @talkhoops⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ IG:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ @talkhoops⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Threads:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ @talkhoops⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Amin Elhassan⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ @darthamin⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ IG:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ @darthamin⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Threads:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ @darthamin⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠  Anthony Mayes⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ @cornpuzzle⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ IG:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ @cornpuzzle⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Threads:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ @cornpuzzle⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Email: cinephobepodcast@gmail.com Learn more about your ad choices. Visit megaphone.fm/adchoices

On this episode of Project Big Screen, our shockingly great January slate rolls on as we review Sam Raimi's SEND HELP starring Rachel McAdams. Does our 2nd review of 'THE WRECKING CREW' keep those good vibes rolling? Stay tuned to find out what we thought of the action comedy starring Jason Momoa and Dave Bautista… We also react to Marvel's latest series WONDER MAN, Oscars updates and controversies, Apple's acquisition of Sanderson's Cosmere universe, and more. And finally, in honor of our Send Help review, we rank the 10 Most Annoying Characters to Get Stuck On A Desert Island. Stick around until the end of the episode to hear Gooch's instructions on how to join our fan rankings! Make sure to like and subscribe! Timecodes: || Intro - (0:00) || Send Help Review - (1:11) || Send Help SPOILERS - (11:41) || The Wrecking Crew Review - (21:12) || Ad - (40:27) || RIP Catherine O'Hara - (41:42) || First Look at Beatles - (45:37) || Fast 11 Update - (56:11) || Safdie Bros Controversy - (57:59) || Oscars Show Change - (1:04:16) || What We're Watching - (1:10:05) || Ad - (1:23:58) || 10 Most Annoying Characters To Get Stuck On An Island With - (1:25:09) Follow us on Social Media: barstool.link/pbs X | Twitter | Letterboxd: @ProjBigScreen IG | Tik Tok: @ProjectBigScreen Our Personal Letterboxds: Jeff: @JeffDLowe Gooch: @BobGoochman Kenjac: @Kenjac Klemmer: @ChrisKlemmer Kirk: @KirkMinihaneYou can find every episode of this show on Apple Podcasts, Spotify or YouTube. Prime Members can listen ad-free on Amazon Music. For more, visit barstool.link/lightscamerabarstool

We've got some more coaching news (3:00) with Klint Kubiak reportedly going to the Raiders and Mike LaFleur going to the Cardinals. We analyze those moves and more before getting into our greatest hits of 2025! We start with Jamey's list (12:30) with Trevor Lawrence as a sleeper and Drake Maye as a breakout. Jamey was also high on Wan'Dale Robinson, George Pickens and Jaylen Warren ... Heath's greatest hits (25:05) include D'Andre Swift, Travis Etienne and calling Alvin Kamara a bust. Who else is on his greatest hits list? ... On to the big misses from our 2025 predictions, Heath (38:50) talks about a couple of rookie running backs, Jerry Jeudy and two stars who were held back by injuries. Jamey (51:35) touches on Xavier Worthy, Michael Pittman, a couple of rookies and a disappointing breakout quarterback call ... Email us at fantasyfootball@cbsi.com Fantasy Football Today is available for free on the Audacy app as well as Apple Podcasts, Spotify and wherever else you listen to podcasts Watch FFT on YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ https://www.youtube.com/fantasyfootballtoday⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Shop our store: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠shop.cbssports.com/fantasy⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠  SUBSCRIBE to FFT Dynasty on Apple: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://podcasts.apple.com/us/podcast/fantasy-football-today-dynasty/id1696679179⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ FOLLOW FFT Dynasty on Spotify: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://open.spotify.com/show/2aHlmMJw1m8FareKybdNfG?si=8487e2f9611b4438&nd=1⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ SUBSCRIBE to FFT DFS on Apple: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://podcasts.apple.com/us/podcast/fantasy-football-today-dfs/id1579415837⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

Monday, February 2nd, 2026Today, Propublica has identified the two CBP agents that murdered Alex Pretti - Jesus Ochoa and Raymundo Gutierrez; the DOJ released their final and incomplete production of the Epstein Files; every single Senate Democrat and two Republicans voted to defund ICE but Republicans blocked the amendment; ICE has expanded their power to arrest people without warrants; four Black independent journalists were arrested for covering a church protest; Bovino mocked a prosecutor's Jewish faith during a call with lawyers; ICE shattered someone's skull and then told the hospital they did it to themselves; massive peaceful protests erupted across the country against ICE and Customs and Border Protection; the top FBI agent in Atlanta has been sacked after refusing to go along with the Fulton County election office raid; a Texas Democrat who was outspent 20 to 1 has flipped the District 9 State Senate seat with a 30 point swing in a stunning upset; five year old Liam Ramos and his father have been released from the Dilley concentration camp and are back home in Minneapolis; and Allison and Dana deliver your Good News.Thank You, Daily LookTo get 6 bottles of wine for $39.99, head to nakedwines.com/DAILYBEANS and use code DAILYBEANS for both the code and password.Thank You, HomeChefFor a limited time, get  50% off and free shipping for your first box PLUS free dessert for life! HomeChef.com/DAILYBEANS.  Must be an active subscriber to receive free dessert.Guest: Asha RangappaThe Freedom Academy with Asha Rangappa | SubstackIt's Complicated - YouTube@asharangappa.bsky.social on BlueskyWill Trump Send the Military to Seize Voting Machines? The LatestBREAKING: EXCLUSIVE: Epstein Files Tipster Tells Me About Her Friend Being Trafficked to Epstein Through Trump Modeling AgencyStoriesTwo CBP Agents Identified in Alex Pretti Shooting | ProPublicaHere's What to Know About the Millions of Pages of Epstein Documents | The New York TimesICE Expands Power of Agents to Arrest People Without Warrants | The New York TimesDon Lemon arrested after covering protest at Minnesota church | NBC NewsTakeaways from AP report on ICE claims that immigrant shattered his skull running into wall | AP NewsBovino Is Said to Have Mocked Prosecutor's Jewish Faith on Call With Lawyers | The New York TimesAtlanta FBI boss ousted after balking at 2020 election probe | MSNOWPartial government shutdown begins as funding lapses despite Senate deal |CBS NewsProtesters take to streets in U.S. to decry ICE tactics in Minneapolis | The Washington PostDemocrat Taylor Rehmet wins solidly red Texas Senate seat in stunning special election upset | Texas TribunePreschooler Liam Ramos and father land in Minneapolis after being released from immigration detention | CNNGood TroubleHow to Film ICE | WIRED→Standwithminnesota.com→Tell Congress Ice out Now | Indivisible→Defund ICE (UPDATED 1/21) - HOUSE VOTE THURSDAY→Congress: Divest From ICE and CBP | ACLU→ICE List  →iceout.org→2026 Trans Girl Scouts To Order Cookies From! | Erin in the MorningGood NewsAdopt Justin (Texas)The Visibility BrigadeProject For AwesomeTour — DANA GOLDBERG→Go To Good News & Good Trouble - The Daily Beans to Share YoursSubscribe to the MSW YouTube Channel - MSW Media - YouTubeOur Donation LinksPathways to Citizenship link to MATCH Allison's Donationhttps://crm.bloomerang.co/HostedDonation?ApiKey=pub_86ff5236-dd26-11ec-b5ee-066e3d38bc77&WidgetId=6388736Allison is donating $20K to It Gets Better and inviting you to help match her donations. Your support makes this work possible, Daily Beans fam. Donate to It Gets Better / The Daily Beans FundraiserJoin Dana and The Daily Beans with a MATCHED Donation http://onecau.se/_ekes71More Donation LinksNational Security Counselors - Donate

Allison is in contact with one of the complainants from the Epstein tips documents released this week, and shares what she told the FBI; so where is the 302? Watch the video here: https://www.youtube.com/live/xiSmcNVxIF8?si=6kYyFDnGjVWCJ9X8 Reminder - you can see the pod pics if you become a Patron. The good news pics are at the bottom of the show notes of each Patreon episode! That's just one of the perks of subscribing! patreon.com/muellershewrote Listener Survey:http://survey.podtrac.com/start-survey.aspx?pubid=BffJOlI7qQcF&ver=shortFollow the Podcast on Apple:https://apple.co/3XNx7ckWant to support the show and get it ad-free and early?https://patreon.com/thedailybeanshttps://dailybeans.supercast.com/https://apple.co/3UKzKt0 Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Do you feel like living the faith has become needlessly complicated? Are you confused; deconstructing; or just looking for answers? Today's episode is meant to encourage you to live the true gospel, which is a gospel of grace and not works. Time to get back to the basics. ► Buy John's new book, Wimpy, Weak, And Woke https://a.co/d/j2JNRCV ► Subscribe to the podcast: www.johnlcooper.com  Apple: http://bit.ly/cooperstuff  Spotify: http://bit.ly/cooperstuffspotify  CastBox: http://bit.ly/cooperstuffcast ► Connect with John L. Cooper on Social Media:  https://www.facebook.com/johnlcooperstuff https://www.instagram.com/johnlcooper  https://www.twitter.com/johnlcooper ► Cooper Stuff Merchandise:  https://cooper-stuff.myshopify.com/collections/all

Why does 'No shadow' mean less winter? Are Groundhogs accurate at predicting? Was it always a Groundhog? Have you started your FREE TRIAL of Who Smarted?+ for AD FREE listening, an EXTRA episode every week & bonus content? Sign up right in the Apple app, or directly at WhoSmarted.com and find out why more than 1,000 families are LOVING their subscription! Get official Who Smarted? Merch: tee-shirts, mugs, hoodies and more, at Who Smarted?

https://wp.me/P2ijVF-aRL Enter VIP Section FREE with COUPON CODE: "MKULTRA" (*exp 2/28/26)On today's episode of the Occult Symbolism and Pop Culture with Isaac Weishaupt podcast we complete our 4-part MKULTRA deep dive with the February Supporters-Only BONUS episode! In Part 4 we'll cover Cathy O'Brien's TRANCEformation of America book where we get the theory about sex slaves and Project MONARCH, the Order of the Rose, Michael Aquino, Bohemian Grove, Wizard of Oz & Presidential Diamond Programming, Sascha Riley, and shape shifting lizard people. We'll also briefly look at Tom O'Neill's CHAOS book about Charles Manson being a subject in the experiments, the Haight-Ashbury mind control experiments COINTELPRO/CHAOS and neutralizing the left. We'll wrap up our conclusions about the MKULTRA series with some final thoughts!DON'T MISS THIS ONE! Get in VIP Section for FREE with COUPON CODE: "MKULTRA" will get you access to this episode in the VIP Section (*ad-free, early access & hundreds of bonus shows): https://wp.me/P2ijVF-aRL Expires Feb 28, 2026NOW UP AD-FREE ON SUPPORTER FEEDS! Free feed gets a preview!Links:Sascha Riley claims: https://breakingsocialnorms.com/2026/01/15/sascha-riley-epstein-trump-trafficking-and-elite-party-conspiracies/Help me get to 100K on YouTube!: https://youtu.be/M-vnMN8DvUM (*Supporter feeds Tier 2 members get videos with early access, no ads)All My Links: AllMyLinks.com/IsaacW (social media, Audible, online store for signed books, shirts & more)SUPPORTER FEEDS: Go ad-free with HUNDREDS of bonus episodes, early access and books!Patreon: https://www.patreon.com/cw/illuminatiwatcher,VIP Section: https://wp.me/P2ijVF-aRL (*with comparsion of Apple vs Patreon vs VIP)Apple Podcasts Premium! You can now go ad-free with ALL the bonus episodes on the Apple app- just open up the podcast and subscribe!MKULTRA Series Links:MKULTRA Pt 1: CIA's Mind Control Program, Pop Culture Examples & David McGowan's Programmed to Kill! https://illuminatiwatcher.com/mkultra-pt-1-cias-mind-control-program-pop-culture-examples-david-mcgowans-programmed-to-kill/MKULTRA Pt 2: CIA's Satanic Black Magic Ops, Assassinations & Brainwashing Doctors! https://illuminatiwatcher.com/mkultra-pt-2-cias-satanic-black-magic-ops-assassinations-brainwashing-doctors/MKULTRA Pt 3: Poisoner in Chief & the CIA Turning Science Fiction Into Mind Control Reality! https://illuminatiwatcher.com/mkultra-pt-3-sydney-gottlieb-operation-paperclip-midnight-climax-cia-science-fiction/MKULTRA Pt 4: Project MONARCH, MHCHAOS, Trauma Programming, Cathy O'Brien & Charles Manson! 

What happens when AI bots get their own social network, Silicon Valley execs cozy up to power, and Apple takes a cut from creators? This week's panel calls out the bold, bizarre, and often problematic ways tech's biggest players are reshaping everything from AI assistants to your everyday privacy. There's a social network for AI agents, and it's getting weird Moltbook is the most interesting place on the internet right now Exposed Moltbook Database Let Anyone Take Control of Any AI Agent on the Site Pentagon clashes with Anthropic over military AI use, sources say Salesforce signs $5.6B deal to inject agentic AI into the US Army Angry Norfolk residents lose lawsuit to stop Flock license plate scanners SpaceX wants to put 1 million solar-powered data centers into orbit Elon Musk reportedly wants a June SpaceX IPO to align with his birthday, the planets Tesla hits a grim milestone: its second straight year of decline Tesla says production-ready Optimus robot is coming soon Microsoft reports strong cloud earnings in Q2 as gaming declines What We Learned From Meta, Microsoft and Tesla Apple tells Patreon to move creators to in-app purchase for subscriptions by November Apple CEO Tim Cook 'heartbroken' after repeated ICE killings in Minneapolis A rival smart glasses company is suing Meta over its Ray-Ban products TikTok, YouTube, and Meta are headed to court for a landmark trial over social media addiction The 'Social Media Addiction' Narrative May Be More Harmful Than Social Media Itself TikTok users freak out over app's 'immigration status' collection — here's what it means A Waymo hit a child near an elementary school in Santa Monica Autonomous cars, drones cheerfully obey prompt injection by road sign Samsung's TriFold phone will cost $2,899 in the US Groundhogs are bad at predicting weather, but they're valuable animal engineers Satellites encased in wood are in the works Belkin reminds users that its Wemo smart home products are shutting down this week Host: Leo Laporte Guests: Gary Rivlin, Devindra Hardawar, and Victoria Song Download or subscribe to This Week in Tech at https://twit.tv/shows/this-week-in-tech Join Club TWiT for Ad-Free Podcasts! Support what you love and get ad-free audio and video feeds, a members-only Discord, and exclusive content. Join today: https://twit.tv/clubtwit Sponsors: monarch.com with code TWIT Melissa.com/twit helixsleep.com/twit canary.tools/twit - use code: TWIT expressvpn.com/twit

In this new episode, Crawlspace Media's Tim Pilleri and Lance Reenstierna speak with Samantha Carpenter about her brother Matthew McDonald who disappeared from California, Pennsylvania on March 9th, 2023. If you have any information please call the California Borough Police Department at 724-938-3233. Follow Sam's Tiktok page: https://www.tiktok.com/@saamjoo770. FB group: https://www.facebook.com/groups/275066301785974. Protest info: https://www.facebook.com/events/s/peaceful-protest-for-matthew-m/1040980231547378/. All links for the family's push for justice: https://linktr.ee/saamjoo. Check out Quince: ⁠⁠⁠⁠https://quince.com/MISSING⁠⁠⁠⁠. Main podcast theme by Kevin Macleod. Check out his work at⁠ ⁠⁠⁠⁠https://incompetech.com/⁠⁠⁠. Additional music by David Williams. See his work at⁠ ⁠⁠http://williamsflutes.com⁠⁠⁠. Follow Missing: IG: ⁠https://www.instagram.com/MissingCSM/⁠. TT:⁠ https://www.tiktok.com/@missingcsm⁠. FB:⁠ https://www.facebook.com/MissingCSM⁠. X:⁠ https://twitter.com/MissingCSM⁠. Spotify:⁠ https://open.spotify.com/show/0yRXkJrZC85otfT7oXMcri⁠. Youtube:⁠ https://www.youtube.com/missingcsm⁠. Apple:⁠ https://podcasts.apple.com/us/podcast/missing/id1006974447⁠. Follow Crawlspace: IG:⁠ https://www.instagram.com/Crawlspacepodcast⁠. TT:⁠ https://www.tiktok.com/@crawlspacepodcast⁠. FB:⁠ https://www.facebook.com/Crawlspacepodcast⁠. X:⁠ https://twitter.com/crawlspacepod.⁠ Spotify:⁠ https://open.spotify.com/show/7iSnqnCf27NODdz0pJ1GvJ⁠. Youtube:⁠ https://www.youtube.com/crawlspace⁠. Apple:⁠ https://podcasts.apple.com/us/podcast/crawlspace-true-crime-mysteries/id1187326340⁠. Check out our entire network at⁠ http://crawlspace-media.com/⁠. Learn more about your ad choices. Visit megaphone.fm/adchoices

This is a FIRST for The Diary Of A CEO…a live snake on set, with jungle explorer PAUL ROSOLIE.  After 20 years surviving jaguars, anacondas, cartels, and uncontacted tribes, he warns of a collapse that could end life on Earth! Paul Rosolie is an American conservationist who has spent over 2 decades living in the Amazon rainforest. He is the co-founder and director of Junglekeepers, a non-profit protecting areas of rainforest from logging and mining, and is the bestselling author of books such as, ‘Junglekeeper: What It Takes to Change the World'.  He explains:  ◼️What happens when a live snake is inches from your face ◼️Being surrounded by warriors with 7-foot bows and arrows ◼️Why humans living outside history don't suffer modern misery ◼️How the jungle keeps you alive when everything goes wrong ◼️The moment you realise this place is bigger than humanity itself (00:00) Intro (02:34) On a Mission to Save the Amazon (05:32) A Jungle Warning After 20 Years Off the Grid (11:25) How a Wild Adventure in Peru Changed Everything (15:34) What It's Like Meeting Uncontacted Tribes for the First Time (19:58) Why This Ancient Forest Could Disappear Forever (26:36) What Living in the Amazon for a Decade Does to You (28:56) How We Discovered the Uncontacted Tribes (42:04) Unseen Footage the World Wasn't Supposed to Watch (46:01) When Tribe Women Took Our Food—And What It Meant (47:06) Do Uncontacted Tribes Really Eat Humans? (54:20) How Many Hidden Tribes Still Exist? (59:13) Can These Tribes Actually Communicate With Monkeys? (01:01:39) What If They're Just Searching for Happiness? (01:03:25) Do Tribal People Still Live in Huts? (01:06:40) The Most Haunting Stories I've Heard in the Jungle (01:09:26) Why I Had to Stop Here (01:10:18) Would You Survive Living Like an Uncontacted Tribe? (01:11:35) Ads (01:13:53) How I Almost Got Crushed by a Snake (01:15:53) The Terrifying Reality of Being Eaten Alive (01:18:06) How Jane Goodall Saved My Life (01:22:09) The TV Show I Made to Help the Amazon (That Went Terribly Wrong) (01:29:36) The Truth About Handling Deadly Snakes (01:44:24) Should You Really Be Scared of Snakes? (01:46:18) Ads (01:47:41) What 20 Years in the Jungle Taught Me About Life (01:55:50) How Do You Know When It's Time to Quit? (02:12:17) Are Humans Really the Most Important Species? (02:16:06) AI, Robots, and the Jungle's View of Modern Tech (02:23:15) I Saw the Creation of the Universe on Ayahuasca (02:27:22) What Is the Jungle Keeper's Mission Really About? (02:30:20) Ancient Medicine Hidden in the Amazon (02:34:30) What It's Like Living in the Jungle With My Wife (02:41:42) What Still Scares Me After All These Years (02:44:14) If You Had 3 Years Left, What Would You Regret? Enjoyed the episode? Share this link and earn points for every referral - redeem them for exclusive prizes: https://doac-perks.com  Follow Paul:  Instagram - https://bit.ly/4t6fvIs TikTok - https://bit.ly/45F9xEx  Facebook - https://bit.ly/4a2tV3E  Junglekeepers - https://bit.ly/3NNDFre  You can purchase ‘Junglekeeper: What It Takes to Change the World', here: https://amzn.to/4q8WK4u  The Diary Of A CEO: ◼️Join DOAC circle here - https://doaccircle.com/  ◼️Buy The Diary Of A CEO book here - https://smarturl.it/DOACbook  ◼️The 1% Diary is back - limited time only: https://bit.ly/3YFbJbt  ◼️The Diary Of A CEO Conversation Cards (Second Edition): https://g2ul0.app.link/f31dsUttKKb  ◼️Get email updates - https://bit.ly/diary-of-a-ceo-yt  ◼️Follow Steven - https://g2ul0.app.link/gnGqL4IsKKb  Sponsors: Intuit -  If you want help getting out of the weeds of admin, https://intuitquickbooks.com     Pipedrive - https://pipedrive.com/CEO  Apple Card - https://Apple.co/get-daily-cash   Apple Card issued by Goldman Sachs Bank USA, Salt Lake City Branch. Offer may not be available everywhere. Terms and limitations apply.

Was Mary Tudor truly “Bloody Mary”? Has England's first reigning queen been misunderstood for centuries? Determined to restore Roman Catholicism, her reign became forever associated with the burning of Protestants. But was she really a religious tyrant, or a trailblazer trapped by Europe's violent politics?Professor Suzannah Lipscomb is joined by Professor Anna Whitelock to put the record straight on the remarkable reign of Mary I, five turbulent years which shaped the future of England in profound, and often misrepresented, ways.MORE:Mary I: What if She'd Lived?Listen on AppleListen on SpotifyThe Spanish King of EnglandListen on AppleListen on SpotifyPresented by Professor Suzannah Lipscomb. The researcher is Max Wintle, audio editor is Amy Haddow and the producer is Rob Weinberg. The senior producer is Anne-Marie Luff.All music courtesy of Epidemic Sounds.Not Just the Tudors is a History Hit podcastSign up to History Hit for hundreds of hours of original documentaries, with a new release every week. Sign up at https://www.historyhit.com/subscribe. Audio for Uploader:https://drive.google.com/drive/u/1/folders/1nNXk3BvoUew_hdGsSvuzaC6que5vao67 Hosted on Acast. See acast.com/privacy for more information.

Full, unedited runtime of this episode - 1 hour 21 minutes. To access AD FREE versions of our episodes, as well as bonus episodes and uncut audio and video,⁠ subscribe to our Patreon!⁠  If today's episode makes you laugh or scream, please do us a favor and rate our show 5 STARS on⁠ Apple⁠ or⁠ Spotify⁠ This is the easiest way for us to grow our community! Get your Cutie ⁠MERCH!⁠ We're on YOUTUBE! Be sure to⁠ subscribe⁠ so you don't miss a second of our hijinx - now on video! Follow Us on Social Media! TikTok: ⁠cuteonepodcast⁠ Chelsea:⁠ @ohnochels⁠ Donny:⁠ @realdonnywood Learn more about your ad choices. Visit megaphone.fm/adchoices

OpenClaw gains buzz, as does a social network for its agents. And why Robb might buy an Apple clamshell foldable.Starring Tom Merritt and Robb Dunewood.Show notes can be found here. Hosted on Acast. See acast.com/privacy for more information.

Dr. Matt Bernstein is a clinical psychiatrist and leading voice in metabolic psychiatry, with 25 years of experience helping people achieve lasting mental health and functional recovery. A Columbia graduate (summa cum laude) and Penn-trained physician, he completed residency at MGH/McLean, where he served as chief resident and later held senior leadership roles. Now Chief Medical Officer at Ellenhorn, he develops innovative, community-based models for mental health care and serves on advisory boards advancing the metabolic psychiatry movement. In this episode, Drs. Tro and Matthew talk about… (00:00) Intro (02:19) How Dr. Matthew found his way into metabolic psychiatry (05:53) Autoimmune encephalitis (09:59) Psychiatric health and the physical body (14:41) Infectious diseases causing psychiatric diseases (18:25) Psychiatric guidelines (23:04) How Dr. Matthew's clinic approaches the treatment of psychiatric disorders from a metabolic health perspective (26:31) How diet effects the brain (29:00) The most amazing case of disease reversal Dr. Matthew has seen recently (34:22) The data on the effectiveness of metabolic psychiatry and why many psychiatrists currently practicing are resistant to it (37:32) The great work being done to heal people at Accord Mental Health (43:27) Outro and plugs For more information, please see the links below. Thank you for listening! Links: Please consider supporting us on Patreon: https://www.lowcarbmd.com/ Resources Mentioned in this Episode: Dr. Matt Bernstein: Accord Mental Health: https://accordmh.com/ Ellenhorn: https://www.ellenhorn.com/ Dr. Brian Lenzkes:  Website: https://arizonametabolichealth.com/ Twitter: https://twitter.com/BrianLenzkes?ref_src=twsrc^google|twcamp^serp|twgr^author Dr. Tro Kalayjian:  Website: https://toward.health Twitter: https://twitter.com/DoctorTro IG: https://www.instagram.com/doctortro/ Toward Health App Join a growing community of individuals who are improving their metabolic health; together.  Get started at your own pace with a self-guided curriculum developed by Dr. Tro and his care team, community chat, weekly meetings, courses, challenges, message boards and more.  Apple: https://apps.apple.com/us/app/doctor-tro/id1588693888  Google: https://play.google.com/store/apps/details?id=uk.co.disciplemedia.doctortro&hl=en_US&gl=US Learn more: https://toward.health/community/

In this Bible Story, Jacob favors his youngest son Joseph, bringing contempt to his brothers. Joseph is given a coat of many colors by his father and the brothers sell Joseph into slavery, lying to their father about his death. This story is inspired by Genesis 37 & 39:20. Go to BibleinaYear.com and learn the Bible in a Year.Today's Bible verse is Genesis 37:5 from the King James Version.Episode 25: Israel and his family moved to the land of Canaan, where they were prospering and enjoying life. While there, Jacob showered his youngest son Joseph with love, showing him to be his favorite by giving him an extraordinary coat with many colors. This caused his brothers to hate him, and when he started having dreams of his brothers and parents bowing down to him, his brothers became even angrier. In their rage, they threw him in a pit and sold him into slavery, concocting a lie to tell their father about Joseph’s death.Hear the Bible come to life as Pastor Jack Graham leads you through the official BibleinaYear.com podcast. This Biblical Audio Experience will help you master wisdom from the world’s greatest book. In each episode, you will learn to apply Biblical principles to everyday life. Now understanding the Bible is easier than ever before; enjoy a cinematic audio experience full of inspirational storytelling, orchestral music, and profound commentary from world-renowned Pastor Jack Graham.Also, you can download the Pray.com app for more Christian content, including, Daily Prayers, Inspirational Testimonies, and Bedtime Bible Stories.Visit JackGraham.org for more resources on how to tap into God's power for successful Christian living.Pray.com is the digital destination of faith. With over 5,000 daily prayers, meditations, bedtime stories, and cinematic stories inspired by the Bible, the Pray.com app has everything you need to keep your focus on the Lord. Make Prayer a priority and download the #1 App for Prayer and Sleep today in the Apple app store or Google Play store.Executive Producers: Steve Gatena & Max BardProducer: Ben GammonHosted by: Pastor Jack GrahamMusic by: Andrew Morgan SmithBible Story narration by: Todd HaberkornSee omnystudio.com/listener for privacy information.

Mon, 02 Feb 2026 16:00:00 GMT http://relay.fm/upgrade/601 http://relay.fm/upgrade/601 Spreadsheet for Creators 601 Jason Snell and Myke Hurley We break down Apple's latest financial results (including the potential supply-chain storm brewing on the horizon) and then discuss the difficult roll-out of Apple's new Creator Studio bundle. We break down Apple's latest financial results (including the potential supply-chain storm brewing on the horizon) and then discuss the difficult roll-out of Apple's new Creator Studio bundle. clean 6064 Subtitle: Bright and Boring: Cupertino DriftWe break down Apple's latest financial results (including the potential supply-chain storm brewing on the horizon) and then discuss the difficult roll-out of Apple's new Creator Studio bundle. This episode of Upgrade is sponsored by: Sentry: Mobile crash reporting and app monitoring. New users get $100 in Sentry credits with code upgrade26. Fitbod: Get stronger, faster with a fitness plan that fits you. Get 25% off your membership. Squarespace: Save 10% off your first purchase of a website or domain using code UPGRADE. Links and Show Notes: Get Upgrade+. More content, no ads. Submit Feedback Ted Lasso Season 4 Imagery – Instagram Apple Signs Deal for Brandon Sanderson's 'Cosmere' Universe Movies and TV Shows - MacRumors Update From Brandon : r/Cosmere Apple Just Made Its Second-Biggest Acquisition Ever After Beats - MacRumors What made Q.ai worth $1.5 billion to Apple | Ctech “We sped research that should have taken 20 years”: Inside Q.ai's Apple exit | Ctech Apple announces all-time record in revenue, iPhone sales – Six Colors This is Tim: Complete transcript of Apple's Q1 2026 financial call – Six Colors Apple's record quarter: Is this what a hit iPhone looks like? – Six Colors Apple ‘looking at a range of options' to offset rising memory prices - 9to5Mac TSMC Risk – Stratechery by Ben Thompson Hands on with Apple Creator Studio: A bittersweet bundle – Six Colors Apple's Creator Studio has a rough App Store roll-out – Six Colors Picking up the missing pieces of Apple

Aaron Bruski breaks down the top performers from the weekend, the must-add players, the biggest drop candidates, and the best streamers for tonight. Presented by FanDuel Download the SportsEthos App on the APP Store and Google Play! FantasyPass now includes DAILY PROJECTIONS - perfect for DFS and head-to-head leagues. Join the Discussion on DISCORD for real-time advice and community support. Subscribe, Rate, and Review on Apple and Spotify for expert updates and tips! Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Just in time for #BlackHistoryMonth #theegalenjwilliams out here converting ebonics to polite 18th-century gathering....Bahaha! The Count of Monte Cristo is being revisited by African American readers, who see it as a story of survival and excellence in a world designed to erase them. The book's themes of betrayal, political turmoil, and the pursuit of justice resonate with the experiences of black professionals navigating systemic barriers. The upcoming PBS adaptation and a Pulitzer Prize-winning biography of Dumas are fueling a cultural reclamation of his heritage and a deeper appreciation for the novel's complexities. Repeating anti-inflammatory protocol. The "Farm-to-Mug" Daily Anti-Inflammatory Protocol This schedule optimizes your body's natural circadian rhythms to dampen "meta-inflammation" throughout the day. Morning: The "Activation" Phase 07:00 AM – Hydration Kickstart: Drink 12oz of warm lemon water. The citric acid aids digestion and provides an immediate Vitamin C boost to lower oxidative stress. 08:00 AM – The Neural Clarity Tea: Simmer your rosemary and ginger for 10 minutes (covered). Add a teaspoon of raw honey. This opens up circulation and provides a neuroprotective start to your workday. 09:30 AM – Anti-Inflammatory Harvest Juice: Using the ingredients from your indoor garden, juice celery and red-fleshed apple with a pinch of turmeric and black pepper. Afternoon: The "Maintenance" Phase 01:00 PM – The "Big Harvest" Salad: Use a base of the dark leafy greens visible in your photo (Kale and Chard). 03:00 PM – Movement Break: A 10-minute brisk walk. Physical activity helps "flush" cytokines from the muscle tissue and improves insulin sensitivity. Evening: The "Recovery" Phase 07:00 PM – Low-Glycemic Dinner: Focus on healthy fats (omega-3s) like salmon or walnuts, paired with more garden-fresh veggies. 09:00 PM – Digital Detox: Chronic inflammation is tied to cortisol. Turn off screens 1 hour before bed to lower stress hormones and allow the body to enter "repair mode. Check out my music on Spotify and Apple or wherever you listen to music! The official videos are on YouTube. Stream and stream often! Everyday I'm hustling...legally.  Black-owned, ethically sourced coffee and tea for sale!! Check out my new store on Shopify!   The nursing assistant and Passa in Chatt on some fraud-ish...I just can't. Karen Huger is clean. This is gonna be an interesting, multipart reunion #RHOP Seasonal Affective Disorder Is Treatable and all of us should be about fixing our mental health always.... If you are searching for help and direction in your struggles with depression and addiction Call 1-800-273-8255 Available 24 hours everyday   There is also an online chat feature https://suicidepreventionlifeline.org/chat/   And if Vodka is the problem, call  1-800-662-HELP (4357) for 24/7 help. Please reach out to find joy in this season! Don't forget to navigate to https://linktr.ee/tnfroisreading for all special offers and updates on nerd news. So much to buy so little time!!  

This week we're revisiting two deeply moving conversations that explore what it means to find hope in the face of profound adversity. First, we hear from the 11-time world champion and a six-time Olympic champion, Sir Chris Hoy. He speaks with remarkable honesty about living with stage four prostate cancer, as well as the shock of discovering that his wife had been diagnosed with multiple sclerosis during the same period. He talks about finding hope, and appreciating the small things in life. Then we hear from the legendary British children's author, Michael Rosen, who reflects on the devastating loss of his son, Eddie, who died at the age of 18. He explains how talking about him now is in fact a relief. These stories speak to resilience, love and the ways hope can survive even in the hardest of circumstances. Whether you are personally affected, or know of someone going through a tough time at the moment, I hope these conversations offer comfort and a fresh perspective. Listen to Sir Chris Hoy's full episode of How to Fail here: swap.fm/l/vkdUVszJnMghYNMSLFdO Listen to Michael Rosen's full episode of How to Fail here: swap.fm/l/3lr5HOsDIw6hgOnD7vgc

UK UFO researcher, Philip Mantle, joins us to discuss his book, UFO Landings UK, a deep dive into hundreds of alleged UFO landing cases across the United Kingdom and the Republic of Ireland, spanning from the early 1900s to the present day. Mantle reflects on the formative Normanton landing case in West Yorkshire that ignited his lifelong investigation into close-range UFO encounters. He then details several cases of high strangeness, echoing the research philosophy of J. Allen Hynek, who argued that the closer and more prolonged an encounter, the harder it is to explain away. Buy the book at: https://a.co/d/9DuMDjt Please take a moment to rate and review us on Spotify and Apple. Book Ryan on CAMEO at: https://bit.ly/3kwz3DO Patreon: http://www.patreon.com/somewhereskies ByMeACoffee: http://www.buymeacoffee.com/UFxzyzHOaQ PayPal: sprague51@hotmail.com Substack: https://ryansprague.substack.com/ All Socials and Books: https://linktr.ee/somewhereskiespod Email: ryan.sprague51@gmail.com SpectreVision Radio: https://www.spectrevision.com/podcasts Opening Theme Song by Septembryo Closing Song by Per Kiilstofte Copyright © 2026 Ryan Sprague. All rights reserved. #UFOs #UAP #UFOLandings #HighStrangeness #UFOSightings #BritishUFOs #PhilipMantle #UFObooks #CloseEncounters #Unidentified Learn more about your ad choices. Visit megaphone.fm/adchoices

In tonight's bedtime story with Karissa, you'll follow a young princess on a gentle nighttime adventure when a small spell goes awry. A calm, cozy fairytale designed to quiet your mind and guide you toward restful sleep. Join Sleep Wave Premium ✨ in just two taps! Enjoy 2 bonus episodes a month plus all episodes ad-free and show your support to Karissa. Upgrade via our show page on Apple, or via this link for all other players ➡️ https://sleepwave.supercast.com/ Love the Sleep Wave Podcast? Please hit follow & leave a review ⭐️ How are we doing with Sleep Wave? Click here to let us know

Every day is filled with negotiations. Here's how to start winning them. Any conversation that has a want or a need is a negotiation. It's critical to approach even the low stakes negotiations with the same tools that will win high stakes conversations. But what if the key to better outcomes isn't pushing harder, but listening better? In today's episode of Hello Monday, Jessi Hempel sits down with Jonathan Smith, negotiation instructor and co-author of Fight Less, Win More, to break down why negotiation is really about empathy, trust, and disciplined listening. Drawing on The Black Swan Group's negotiation framework—made famous by Never Split the Difference—Jonathan shares practical tools for navigating conflict, building influence, and getting what you need without damaging relationships. Jonathan is a business strategist and negotiation expert who has spent years teaching leaders, managers, and teams how to communicate in moments that matter most. His work focuses on tactical empathy, emotional intelligence, and the everyday negotiations that shape our careers and lives. Jonathan and Jessi discuss: Why every difficult conversation is a negotiation Tactical empathy and how to help people feel truly heard The “core four” negotiation skills: labels, mirrors, dynamic silence, and summaries How low-stakes practice builds confidence for high-stakes conversations Managing tone, emotion, and self-regulation  Why listening is a discipline—and how it improves trust and influence Using AI as a preparation tool without losing human connection If you want to go deeper on these tools listen to our episode from September, 2025 with The Black Swan Group's founder and CEO, Chris Voss.  Watch on YouTube: https://bit.ly/chrisvoss-hm-youtube  Listen on Apple: https://bit.ly/chrisvoss-hm-apple  Watch/Listen on Spotify: https://bit.ly/chrisvoss-hm-spotify We will be launching the Hello Monday Book Club soon. If you're interested in joining, send us an email at hellomonday@linkedin.com and let us know!

- A recap of Apple's blowout earnings for Q1FY26 plus analyst reactions - Sponsored by NordLayer: Get an exclusive offer - up to 22% off NordLayer yearly plans plus 10% on top with coupon code: macosken-10-NORDLAYER at nordlayer.com/macosken - Sponsored by Copilot Money: Get a two months free trial with Offer Code MACOSKEN at try.copilot.money/macosken - Catch Ken on Mastodon - @macosken@mastodon.social - Send Ken an email: info@macosken.com - Chat with us on Patreon for as little as $1 a month. Support the show at Patreon.com/macosken

Is Nvidia going through with their massive OpenAI investment or not? Does Apple have what it takes to win in the AI era or not? Is Elon the only one who can make datacenters in space happen or not? And a roundup of the continued fascination with Moltbook. The $100 Billion Megadeal Between OpenAI and Nvidia Is on Ice (WSJ) Nvidia CEO Says New OpenAI Investment May Be Largest Yet (Bloomberg) Apple's Historic Quarter Doesn't Change the Need for AI Reckoning (Bloomberg) SpaceX seeks FCC nod for solar-powered satellite data centers for AI (Reuters) How often do AI chatbots lead users down a harmful path? (ArsTechnica) Moltbook is the most interesting place on the internet right now (Simon Willison) Learn more about your ad choices. Visit megaphone.fm/adchoices

You move fast in this episode, stacking Quick Tips that shave friction off your day almost immediately. You tell Siri to take notes on command, record audio directly inside Notes with native transcripts, and pull off smarter gestures in CarPlay Maps and iOS 26 Safari that feel hidden in plain sight. You tame the Camera side button, rename files faster from Finder and app toolbars, and generally remind yourself that small muscle-memory tweaks compound into real time saved. This is the kind of workflow polish that keeps you ahead instead of catching up. Then the conversation sharpens. You dig into why troubleshooting advice can be too eager to fix the wrong problem, unpack what “absolute mode” thinking really means, and react to Apple's acquisition moves and fresh AirTag releases. Listener questions take you into practical territory like grabbing a single frame from video, sharing iCloud calendars with Android users, and understanding how features get quietly “nerfed,” leading to Pilot Pete’s perfectly named Newly Effectuated Reduced Functionality. You wrap with Cool Stuff Found that spans Vision Pro accessories, immersive gaming, and travel-ready power. The throughline is clear: know what still works, notice what's been taken away, and adapt before it costs you time. Don't Get Caught. 00:00:00 Mac Geek Gab 1127 for Monday, February 2nd, 2026 February 2nd: The Record of a Sneeze Day MGG Monthly Giveaway – Enter to win a copy of Copilot Money! The MGG Merch Store is Live! Quick Tips 00:00:01 Gene-QT-Hey Siri, Take a Note 00:03:48 Ian-QT-In Notes, Record Audio and Save the transcript natively! (Use the paper clip icon) 00:06:52 rnDoug-QT-1126-Zoom in CarPlay Maps with a special double-tap (and Peter, too) 00:10:32 Tom-1126-Hold down on URL Bar to close tab (and more) on iOS 26 00:11:13 Bill-QT-1126-Swipe Up on URL bar for All Tabs View on iPhone 00:12:53 Todd-QT-Camera Settings to Get Side Camera Button to do your bidding! 00:17:44 Bill-QT-1126-Rename files in Finder and from apps’ Toolbar Sponsors 00:21:24 SPONSOR: Tempo. For a limited time, Tempo is offering our listeners SIXTY PERCENT OFF your first box! Go to TempoMeals.com/MGG. 00:22:52 SPONSOR: Gusto. Get three months free when you run your first payroll when you start at gusto.com/MGG We Need To Talk 00:24:12 Craig-ChatGPT is too hasty to troubleshoot my tech issues ChatGPT Absolute Mode Hey, Did You Hear? 00:41:23 Apple acquires secretive Q․ai startup for $2 billion 00:45:40 New AirTags from Apple Your Questions Answered and Tips Shared! 00:50:21 Rob-How can I copy one frame from a video? yt-dlp (install with ‘brew install yt-dlp') PullTube and Downie (also available in Setapp) What does NERF stand for when someone kills functionality Newly Effectuated Reduced Functionality 01:03:04 Larry-How can I share my iCloud calendar with an Android user? OneCalendar Sync for iCloud Cool Stuff Found 01:09:04 Adam-CSF-Apple Vision Pro Dual Knit Band Demeo on Vision Pro 01:12:29 DLH-CSF-Anker Prime 25W 3-in-1 Travel charger 01:16:36 MGG 1127 Outtro MGG Monthly Giveaway Bandwidth Provided by CacheFly MGG's CES 2026 Sponsors Pilot Pete's Aviation Podcast: So There I Was (for Aviation Enthusiasts) The Debut Film Podcast – Adam's new podcast! Dave's Business Brain (for Entrepreneurs) and Gig Gab (for Working Musicians) Podcasts MGG Merch is Available! Mac Geek Gab YouTube Page Mac Geek Gab Live Calendar This Week's MGG Premium Contributors MGG Apple Podcasts Reviews feedback@macgeekgab.com 224-888-GEEK Active MGG Sponsors and Coupon Codes List BackBeat Media Podcast Network

In this episode, Scott Becker breaks down the year to date performance of the Magnificent 7, highlighting gains and losses across Meta, Tesla, Apple, Microsoft, and others.

Stories from a Giant and Gadfly Discover the Protest Music of RainFall!-- like "The Antidepressant Blues!" Today, we are delighted to spend some time with a dear friend and highly esteemed colleague, Dr. David Antonuccio. David is a retired Clinical Psychologist and Professor Emeritus in the Dept. of Psychiatry and Behavioral Sciences at the University of Nevada, Reno, School of Medicine. In addition to his academic work, David had his own clinical practice for 40 years. He has published over 100 academic articles and multiple books, primarily on the treatment of depression, anxiety, or smoking cessation. Since his retirement from practice in 2020, he has been making music as part of a duo called RainFall, with his musical partner Michael Pierce. Their music can be found on Spotify, Apple music, and Soundcloud, among other streaming services. I first became familiar with David when a colleague recommended his article entitled: "Psychotherapy versus medication for depression: challenging the conventional wisdom with data," which was published in Professional Psychology: Research and Practice way back in 1995. The article blew my socks off. In the first place, he had come to the many of the same conclusions I had come to, that antidepressants had few "real" effects above and beyond their placebo effects. However, he also had incredible insights into some of the problems and loopholes with drug company research studies on antidepressants, so I tried to get as many colleagues and students as possible to read that article. Here is the article link Although I had never met David, he became my hero. One day, while I was giving one of my two-day CBT workshops in Nevada, I was singing his praises and urging participants to read that classic article, but, unexpectedly, some people started chuckling. At a break, I asked someone why people had been laughing. They said, "Didn't you know that David Antonuccio is here attending this workshop? He was out visiting the bathroom when you were singing his praises, so he didn't hear you!" And that's how we met! I couldn't believe my good fortune in meeting this brilliant and humble man in person. And to my good fortune, we became good friends right off the bat and eventually did a lot of fun professional work together, like our exciting conference challenging the chemical imbalance theory of depression which we called the Rumble in Reno. I was also proud to be included as a co-author in a popular article with David and William Danton reviewing the brilliant work of Irving Kirsch. Kirsch had re-analyzed all the data on antidepressants in the FDA archives and concluded that the chemicals called "antidepressants" had few, if any, clinically significant effects above and beyond their placebo effects. In that paper, we also emphasized the ongoing power struggle between the needs of science and the needs of marketing. Science is devoted to discovering and reporting the truth, based on research, regardless of where it leads, while marketing, sadly, is ultimately loyal to the bottom line, even if deception is required. Here is the link to our article: And here is the full reference: Antonuccio, D. O., Burns, D., & Danton, W. G. (2002). Antidepressants: A Triumph of Marketing over Science? Prevention and Treatment, 5, Article 25. Web link: http://journals.apa.org/prevention/volume5/toc-jul15-02.htm I was sad when David retired from his clinical, teaching, and research career a number of years ago in order to spend more time on creating and recording music because, a passion he'd put on the shelf during the most active years of his career. I felt we'd lost an important and courageous leader in the behavioral sciences, and felt an emptiness, like an important pioneer was suddenly missing. The following link provides a highly readable brief overview of David's career focus and interests. I was thrilled to learn just recently that David has partly resumed his role as gadfly of the behavioral sciences, rejoining the fight for science, ethics and for truth, regardless of where that leads or whose feathers are ruffled. And now, we sit down together to reminisce about his personal life and experiences with many of the greats in our field, like Dr. David Healey, Irving Kirsch, and others who have also stood up for the truth, based on their research, in spite of intense opposition from the establishment. And, today David also brings us his music, with his colleague, Michael Pierce, RainFall. Some of his music has psychiatric / psychological themes, like his "Antidepressant Blues," Some of David's music has humanistic and political themes. He said: Here's a song we just released yesterday that i will assume would not be relevant to the podcast. It is called Final Embrace and was inspired by a heart-breaking international wire photo of a Salvadoran immigrant father hugging his daughter, both deceased, in the rio grande in 2019. Here's the link to the original news story. David's two-man group, RainFall, wrote and recorded the original acoustic version of this song in 2020. He explains: We decided to record a more dynamic updated version of the song with some electric guitar chords, electric bass, and drums. We are calling it "Final Embrace Electric". The story is still heart-breaking, and it still makes me cry to sing it. Here is a link to the new version of the song, And here are the heart-breaking lyrics: Final Embrace Electric (For Oscar and Valeria) By RainFall (David Antonuccio and Michael Pierce) I'm sorry I couldn't help you I'm sorry you lost your life You took a deadly risk I'm sorry for your wife What were you supposed to do? Stay home and watch your family die? Or take a chance at freedom Reach for the sky Some say you should have known better They say that you are a criminal But they don't know your fear, your pain, your hunger For them it's the principle Some say we were here first It's not our problem Despite your dire thirst We're full, no more asylum Let's ask them what they would do If their family were faced with danger If they're honest, they'd take the chance Hope for kindness from a stranger You tried to get in the front door But it was slammed closed So you swam the deadly current Despite the perilous flow You never lost your grip Though the river was not crossable Only another parent can know How that is even possible Everyone can tell you loved your daughter Even in that place You never let her go It was your final embrace I'm sorry I couldn't help you I'm sorry you lost your life You took a deadly risk I'm so sorry for your wife Everyone can tell you loved your daughter Even in that place You never let her go It was your final embrace Your final embrace It was your final embrace It was your final embrace   Thank you for joining us today. Stayed tuned for Part 2 of the David Antonuccio interview next week! David, Rhonda, and David

Salon Republic hairstylist, Peyton Lambert, @peytonlamberthair shares her journey from uncertainty to success in the hair industry. She brings you behind the scenes of building a business: continuous learning, embracing discomfort in social media, and becoming "addicted" to mastering your finances. She also addresses the changing perceptions of the hairstyling profession and the need for industry professionals to support one another and train the next generation.   This Week's Topics: • How Perfectionism can hinder Success • Finding Education as a Hairstylist  • How to Blend Business with your Technical Skills  • Using Social Media to Find Clientele • Embracing Change in an Always Evolving Industry • Tips for the Younger Generation of Stylists   Video versions of our episodes are on our YouTube channel for you to watch! Subscribe to our channel The Hair Game on YouTube and check out 'The Hair Game Podcast' playlist Our podcast thrives on the opinions of you, the listener... if you have a moment (and you are an Apple user), please leave us a rating & review on the Apple podcasts app or iTunes! Here's what you do: - Scroll down to 'Ratings & Reviews' - Click on the empty purple stars (5 is the best)! - Click on 'Write a Review' and let us know what you love most! Each rating & review helps us reach more and more of your fellow hair loves, and our goal is to help as many hairdressers as we can find success. Thanks in advance! FOLLOW US http://www.instagram.com/thehairgamepodcast http://www.instagram.com/salonrepublic http://www.instagram.com/loveerictaylor

Salon Republic hairstylist, Peyton Lambert, @peytonlamberthair shares her journey from uncertainty to success in the hair industry. She brings you behind the scenes of building a business: continuous learning, embracing discomfort in social media, and becoming "addicted" to mastering your finances. She also addresses the changing perceptions of the hairstyling profession and the need for industry professionals to support one another and train the next generation.   This Week's Topics: • How Perfectionism can hinder Success • Finding Education as a Hairstylist  • How to Blend Business with your Technical Skills  • Using Social Media to Find Clientele • Embracing Change in an Always Evolving Industry • Tips for the Younger Generation of Stylists   Video versions of our episodes are on our YouTube channel for you to watch! Subscribe to our channel The Hair Game on YouTube and check out 'The Hair Game Podcast' playlist Our podcast thrives on the opinions of you, the listener... if you have a moment (and you are an Apple user), please leave us a rating & review on the Apple podcasts app or iTunes! Here's what you do: - Scroll down to 'Ratings & Reviews' - Click on the empty purple stars (5 is the best)! - Click on 'Write a Review' and let us know what you love most! Each rating & review helps us reach more and more of your fellow hair loves, and our goal is to help as many hairdressers as we can find success. Thanks in advance! FOLLOW US http://www.instagram.com/thehairgamepodcast http://www.instagram.com/salonrepublic http://www.instagram.com/loveerictaylor

Monday's BEST BETS with Sia Nejad, Buckets, Tom Casale, Jeff Hochman, and Propstarz as they hand out their plays for the NBA, college basketball, and MORE! (0:00) Intro (5:30) Tom's College Basketball Bet (7:42) Buckets' Soccer Picks (10:37) Sportsline Bets (NBA, Super Bowl) (12:54) Propstarz NBA Prop (15:43) Jeff's NHL Bets (20:07) Kansas-Texas Tech Bets (23:06) Sia's WM Phoenix Open Bet (24:11) Bonus Bets (NBA, Super Bowl, Soccer)

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

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