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Keith discusses the impact of political rhetoric on mortgage rates, emphasizing the importance of central bank independence. President of Ridge Lending Group and GRE Icon, Caeli Ridge, joins in to explain the benefits of 30-year mortgages over 15-year ones, advocating for extra principal payments to be reinvested rather than accelerating loan payoff. They also cover the potential effects of Fannie and Freddie going public, predicting higher mortgage rates. Caeli Ridge elaborates on cross-collateralization strategies, highlighting the advantages of commercial blanket loans for real estate investors. Resources: RidgeLendingGroup.com or call 855-74-RIDGE or e-mail: info@RidgeLendingGroup.com Show Notes: GetRichEducation.com/568 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments. You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review” For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript: Keith Weinhold 0:01 welcome to GRE I'm your host. Keith Weinhold, the President has called the Fed chair a dummy and worse. How does this all affect the future of mortgage rates? Also, I discuss 30 year versus 15 year loans. Can you bundle multiple properties into one loan? Then how Fannie and Freddie going public could permanently increase mortgage rates today on get rich education Keith Weinhold 0:28 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 in 188 world nations. He has a list show guests and key 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 1:24 Welcome to GRE from Pawtucket, Rhode Island to Poughkeepsie, New York and across 188 nations worldwide. I'm your host. Keith weinholdin, this is get rich education, not to inflate a sense of self importance, but each episode is an even bigger deal than a New York Jets preseason football game. You might have thought you knew real estate until you listened to this show, from street speak to geek speak. I use it all to break down how with investment property, you don't have to live below your means. You can grow your means as we're discussing the mortgage landscape this week. You know, I recently had a bundle of my own single family rental homes transfer mortgage servicers from Wells Fargo over to Mr. Cooper. And that was easy. I didn't have to do anything. The automatic payments just automatically transferred over. And yes, Mr. Cooper, it's sort of a funny sounding name that you don't exactly see them putting the naming rights on stadiums out there, but the new servicer prominently wanted to point out the effect of me making extra $100 monthly principal payments and how much in interest that would save me over time, sort of suggesting that it would be a good idea for me to do so. Oh, as you know, like I've discussed extensively, extra principal pay down is a really poor use of your capital. It's a lot like how in the past, now you've probably seen it like I have, your mortgage company promotes you making bi weekly payments all year, so you'd effectively make some extra principal pay down each year. That way. Don't fall for it. Banks promote biweekly payments because it sounds borrower friendly, it encourages an earlier loan payoff. Well, that actually reduces lender risk and increases your risk. And the whole program can come with extra fees too. It just ties up more of your money in something that's unsafe, illiquid, and with a rate of return that's always zero, since that's exactly what home equity is. As we're about to talk mortgages with an expert today, I will be sure to surface that topic. We'll also talk about the housing market effect of a president firing a Fed chair. When you're living under the rule of a president that desperately and passionately wants lower interest rates, you've got to wonder what would happen if a president just had the power to go lower them himself, which is actually what most any president would want to do, but you almost don't have to wonder what would happen. You can just look at what actually did happen in Turkey. Now, yes, Turkey already did have an inflation problem, worse than us, for sure, but Turkish President Erdogan went ahead and lowered Turkey's interest rates despite persistent inflation. I mean, that's a situation where most would raise rates in order to combat inflation. Well, lowering rates like that soon resulted in substantially higher inflation to the tune of almost 60. Yes, six 0% per year before cooler heads prevailed and the Turkish government was forced to drastically raise rates. But it was too late. The damage was already done to the reputation of Turkey's economy and its everyday citizens and consumers. I mean, that was a painful, real world example of how critical central bank independence is. You've also got to ask yourself a question here, do you really want to live in the type of economy where we would need a bunch of rate cuts? Because when rate cuts happen, it usually results from the fact that people are no longer employed, or we're in a recession, or financial markets are really unstable. So there are certainly worse maladies out there than where we are today, which is with moderate inflation, pretty strong employment and interest rates that are actually a little below historic levels. I mean, that is not so bad. Before we talk both long term mortgage lessons and more nascent mortgage trends today coming up on future episodes of the show here, a lot of info and resources to help you build wealth as usual. Also an A E TELEVISION star of a real estate reality show will make his debut here on GRE. Keith Weinhold 6:24 Hey, do you like or even live by any of the enduring GRE mantras, like, Don't live below your means, grow your means, or financially free, beats debt free, or even, don't quit your Daydream. Check out our shop. You can own merch with sayings like that on them, or simply with our GRE logo on shirts and hats and mugs. And I don't really make any income from it. The merch is sold at near cost, and it actually took a fair bit of our team's time to put that together for you. So check out the GRE merch. You can find it at shop.getricheducation.com that's shop.getricheducation.com Keith Weinhold 7:18 today we're talking to the longtime president of ridge lending group. They specialize in providing income property loans to real estate investors like you, and she's also a long time real estate investor herself. I've shared with you before that ridge is where I get my own loans. They've worked with 10s of 1000s of real estate investors, not just primary residence owners, but real estate investors as well as homeowners all over the country, and at this point, she's like a GRE icon, a fixture regularly with us since 2015 Hey, welcome back to get rich education the inimitable Chaley Ridge, Caeli Ridge 7:54 ooh, Mr. Keith Weinhold, thank you, sir. So good to see you, my friend. Thanks for having me Keith Weinhold 8:00 opening up that thesaurus tab right about now, I think maybe JAYLEE, why don't we have the chat everyone wants to have? Let's discuss interest rates, starting with the vitriol from Trump to Powell has reached new heights. This year, Trump has called Powell a numbskull, Mr. Too late, a real dummy, a complete moron, a fool and a major loser, among other names. And you know, at times, I've seen Realtors even blasting Jerome Powell for not cutting rates. Well, the Fed doesn't directly control mortgage rates, and it's also not the Fed's job to boost Realtors summer sales. It's to protect the long term stability of the US economy. Tell us your thoughts. Caeli Ridge 8:48 So this is a rather complicated topic, okay, and there's a lot that under the hood that goes into how a long term mortgage bond interest rate is going to go up or going to go down. As you said, it's not necessarily just the Fed and the fed fund rate, which, by the way, for those that are not familiar with this, the fed fund rate is the intra daily trading rate between banks. So while there is a connection between that and that of the 30 year long term fixed rate mortgage, they are not the same thing. And in fact, statistically, I believe I read this last week, the last three fed fund rate reductions did the opposite to long term rates, right? So we went the other direction. So please be clear that the viral, as you say, of President Trump and what his opinions are about Mr. Powell and his decisions to keep that fed fund rate unchanged for the last several meetings that they've had, I think, is more of a distraction, but that's another conversation overall. I would say that, is he too late? Is he right on time? You know, there's so much data and so many data points that they're looking at, and there's this thing in the industry called a Lag that, in truth, they're not getting the actual data points that they need real time. It's lagging, so the data that's coming out to them today isn't going to be what's relevant and necessary to make changes tomorrow, next month and next week. Most recently, you probably saw in the news the BLS Bureau of Labor and Statistics and the jobs report came in far under what the expectation was. So that might have been the catalyst. I think that will drive Powell and group to reduce that is the overwhelming expectation that the fed fund rate is going to come down by how much. We don't know. Secondary markets are already baking that in, by the way. So when we talk about long term interest rates, I'm starting to see some changes on the day to day. I get access to that stuff, and I'm looking at it daily, the ticker tape of where the treasury bonds and things are. So I'm starting to see some slight improvement to interest rates in preparation of that market expectation, interest rate on the fed fund level will probably reduce. But I think overall, Keith that the Fed is in a really difficult position, because when you think about what really is going to drive the fed fund rate, and then potentially the long term rate, is counterintuitive to what most people or consumers expect, right? They think if the fed fund rate reduces by a quarter of a percentage point, then a long term 30 year fixed should probably reduce by the same amount. It does not go hand in hand like that. Now, while there are trends right, that doesn't happen that way, and more often than not, the worse our economy is doing, the better a 30 year interest rate will be. So in my industry, I'm kind of always playing on the fence, thinking I don't want anything bad for our country and the economy. However, the worse it does, the better interest rates are going to become. And if you've been paying attention, the economy is in decent shape. We're not doing that bad. Inflation is still up, so the metrics that they're using to kind of gage and predict that lag and where we're going to be are not in line to say that interest rates are going to drop a half or a point or a point and a half in the next year to 18 months. Those signs are not out there for me. All of that said, I know that interest rate is top of mind for I mean, I'm on the phone all day long. I like that part of my job where I'm still interfacing with investors on day to day. Big chunk of my day is spent talking to clients, and that is one of the top questions, probably one of the first questions that come out of their mouth, where interest rates? What are interest rates? And what I have sort of started to really form and say to that question is, if interest rates are the catalyst to your success in real estate, you probably need to do a little bit more research, because interest rates should not be the make or break for your success. Well, as a real estate investor Keith Weinhold 12:45 the Fed has a dual mandate of maximum employment and stable prices. Inflation, though still somewhat elevated, has stayed about the same the past few months. History shows us that the Fed is more comfortable with inflation floating up than they are with suppressed employment levels. To your point about recent reports about us not adding many jobs, and the Fed being concerned about that, the translation for those that don't know is, if the job market is weak, lowering rates, which is what increasingly people think they tend to do later this year. Lowering rates helps encourage businesses. It's more likely that businesses will borrow and expand and hire more people. Therefore, if rates are low now, whether that translates into a lower mortgage rate or not, by lowering that fed funds rate? Yes, there is that positive correlation. Generally, the lower the Fed funds rate goes, the lower mortgage rates tend to go although that isn't always the case. To your point. Shailene, late last year, there were three Fed funds rate cuts, and mortgage rates actually went up, which is somewhat of an aberration that usually doesn't happen that way, but that's the environment we're in. Most people think Fed rate cuts are coming later this year. Caeli Ridge 14:04 Yeah. And I would say, you know, the other thing too, when we talk about the pressure that the Fed is under right now, specifically, Powell, he's being attacked, fine, and whether I agree or disagree, really important for listeners to understand that the indifference that the Fed is supposed to have right bipartisan, it's not supposed to have a dog in that fight. If it did the calamity, I think what would happen economically in this country would be devastating if other economic powers were to see that our particular financial institutions are swayed one way or another. Politically, that would be devastating to us. So I think Powell has done a decent job at staying the course. He's continued to do what he says, says what he does. So so far, I'm okay. Is he late to reduce rates? I don't know that I'm qualified to say that, maybe. But at the same time, I think that his impartiality has been consistent, and that for that part of it, I'm. Grateful Keith Weinhold 15:00 for those who don't understand if Trump just told Powell what to do and Powell followed Trump's orders, how does that devastate the economy? Caeli Ridge 15:09 It shows partiality to or Fieldy to one particular party, right? It's not an independent institution where financial policy quantitative easing, quantitative tightening, all of those different things that are necessary to keep the pistons pumping. It isn't it's very specific to Fieldy and the leader of telling based on potentially ego or other elements that have not a lot to do with fiduciary responsibility. Keith Weinhold 15:37 If Powell did everything Trump said, I feel like we would have negative interest rates right now Caeli Ridge 15:43 that could be a problem, especially if the economy and inflation is on the rise, and then you get the tariffs. I mean, there's so much layering to this. I mean, we could go on and on about it, but overall, let me close with this. I think that interest rates are probably on the run, if I had to guess. Now, there's all kinds of variables that could make that statement untrue, but overall, in the next year to two years, I do think we'll see some relief in interest rates, barring any major catastrophe. But again, investors, if your success, if you're tying your real estate portfolio, your real estate investing, whatever modality you're interested in, if you're tying that to an interest rate, and there's a certain number that you have ethereal in your mind, you're going to lose your success in real estate. Interest rate is a component of it, but it should not be tied to your success or failure. You should be able to do the math and look at the differences in real estate opportunities, investment, whether it be long term, short term, midterm, single family, two to four appreciation, cash flow, all those things should be considered, and you will find adequate returns independent of an interest rate. If you're diversifying that way Keith Weinhold 16:49 there is more evidence that Americans have warmed up and gotten somewhat used to normal mortgage rates. This normalization of mortgage rates, they are pretty close to their historic norms. In fact, a recent housing sentiment survey done by turbo home found that in q1 of this year, 41% of homeowners surveyed said that a 6% mortgage rate was the highest they would accept on their next purchase. Right that was back in q1 today, up from 41%, 52% of respondents now say a 6% mortgage rate is the highest that they would accept. Evidence that people are warming up and normalizing this. Caeli Ridge 17:30 The other thing too is the pandemic rates. Right? That's been a very hard shell to crack. The people that got these two and 3% interest rates during 2020 2021, part of 22 they're really reticent to let those go, and I think that they're doing themselves a disservice as a result. If you can get a second lean HELOC, okay, fine, but overall, if you're just going to let that untapped equity sit, it's going to be to your disadvantage. If you have any desire to increase your portfolio and your long term financial stability and wealth Keith Weinhold 17:59 you're listening to get rich education. Our guest is Ridge lending Group President Cheley, Ridge much more when we come back, including 30 year versus 15 year loans. Which one is better and more things that the administration is doing to shake up the mortgage market. I'm your host. Keith Weinhold. Keith Weinhold 18:15 the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President Cheley Ridge personally while it's on your mind, start at Ridge lendinggroup.com. That's Ridge lendinggroup.com. Keith Weinhold 18:46 You know what's crazy? Your bank is getting rich off of you. The average savings account pays less than 1% it's like laughable. Meanwhile, if your money isn't making at least 4% you're losing to inflation. That's why I started putting my own money into the FFI liquidity fund. It's super simple. Your cash can pull in up to 8% returns and it compounds. It's not some high risk gamble like digital or AI stock trading. It's pretty low risk because they've got a 10 plus year track record of paying investors on time in full every time. I mean, I wouldn't be talking about it if I wasn't invested myself. You can invest as little as 25k and you keep earning until you decide you want your money back. No weird lockups or anything like that. So if you're like me and tired of your liquid funds just sitting there doing nothing. Check it out. Text family 266, 866, to learn about freedom. Family investments, liquidity fund again. Text family to 66866, Rick Sharga 19:58 this is Rick sharga housing market. Intelligence Analyst, listen to get rich education with Keith Weinhold, and don't quit your Daydream. Keith Weinhold 20:05 Welcome back to get rich Education. I'm your host, Keith Weinhold. We're talking with a familiar guest this week. That's Ridge lending Group President, Caeli. Ridge wealth is built through compound leverage faster than compound interest. And leverage means using loans. I think most everyone the first time in their life they look at loan amortization tables and learn things like, oh, with a 15 year loan, you pay substantially less interest, perhaps hundreds of 1000s of dollars less interest with a 15 year loan and its lower mortgage rate than you do with a 30 year loan and its higher mortgage rate. But a lot of people don't take that next step and look that Oh, rather than paying down my home loan with extra principal payments, if I just invested the difference, I would be substantially better off down the road. So in a lot of cases, the more sophisticated investor chooses that longer loan duration, the 30 year. That's the way I see it. What do you see? Most of your prefer there. Caeli Ridge 21:12 It's one of my favorite topics to cover, because there's quite a few layers that I think can all connect. If an individual wants to pay less in interest very easily, I'm going to strenuously advise them to take a 30 year over a 15 year and just simply apply the difference. So let's just start with the applicable version of 15 versus 30 and how it can benefit or harm. Because this is what a lot of times people that go for the 15 year and wanting to pay less in interest. Don't understand, and it's never been delivered to them in a reasonable way, I guess. So just looking at those two, and then we'll get to the strategy of potentially reinvesting those dollars elsewhere. But just look at a 30 year and a 15 year. I am a massive deterrent against a shorter term amortization. I hate a shorter term amortization, because all that's going to do to the individual is limit their ability to qualify later on down the road. And the reason for that is, is that the shorter term, as you had described, is going to yield a higher monthly payment. So when we pull credit for an individual, that's a higher monthly payment that the debt to income ratio has to support, when in fact, if we simply just look at the two side by side, 15 year and a 30 year equal, equal loan sizes. The 15 year is going to have a lower interest rate. It's true, but the amortization is obviously half the amount. We've gone from 360 months, 30 years to 180 months, 15 years. So the payment obviously is going to be much, much higher if you take the payment difference between those two mortgage products and apply it with a 30 year fixed payment. Let's just call it 500 bucks a month, whatever the number is, and you are disciplined to send that extra 500 bucks every single month with your 30 year fixed mortgage payment. You will cross the finish line in 15.4 years, I think, is the average when you run the amortization, so you'll pay a few extra months worth of interest, but whatever, you'll never pay the higher interest that the 30 year has locked at because you've accelerated the payoff of the debt so quickly, and you've maximized your debt to income ratio and future qualifications never take the shorter term amortization. It is to your greatest disadvantage. I hate them. That's part one. Did you have a comment? I can see that your wheels are spinning. Keith Weinhold 23:24 That is a great answer. If you get the 30 year loan instead of the 15 if you apply an extra principal payment, whatever it would be, call it 500 plus dollars, that you will kill off that loan, that 30 year loan in something like 15.4 years. Yes, and you'll have the lower payment amount for your qualification, going forward, you'll have more flexibility in your life. That's great. I didn't realize the difference 15.4 versus 15 was that small? That's a great takeaway. Caeli Ridge 23:50 Yeah, absolutely. And the other piece, you kind of just hit on it, the individual's feet are not held to the fire at that higher payment. So let's say it's a rental, okay, whatever. It goes vacant for a month, or a couple months, God forbid, or whatever may be happening. You now get to choose. You are not obligated at that higher monthly payment. You can say, Okay, this month, I'm not going to pay the extra. I don't da, da, da. It's all within your control. So you're killing like four birds with one stone. I really prefer the 30 year amortization for all those reasons. So now let's take it and move into how I believe, and I agree with your philosophy, taking those dollars and applying them, because when we talk about mortgage interest, especially on investment property, okay, it's probably a slightly different conversation when we're talking about somebody's primary residence, home, but for an investment property to take that difference and apply it toward another investment, because the interest remember, you guys, we're investors. We want that Schedule E deduction, that interest deduction, as money goes a 30 year fixed mortgage, even today, as interest rates are elevated beyond the two and three percents that people somehow fixated on, that that's where interest rates should just be forever. You've got Mass. Amounts of interest deduction, so you're paying less in taxes. For that reason, there's so many reasons to stretch out that mortgage on an investment property versus extinguishing that debt, not to mention, you want to constantly be harvesting equity, ideally, pulling cash out. Borrowed funds are non taxable, deploying them, but then taking that extra cash flow and stockpiling it for another investment, whether that just be the down payment or for other things. I just think there's so many better places that those funds can go to produce more wealth than accelerating the payoff of that debt that's benefiting you, from a tax perspective, and several other ways. There's lots of other ways to apply that money. I Keith Weinhold 25:43 I often ask, why accelerate the payoff on a, say, 7% mortgage interest rate loan, when instead you can take those savings, reinvest them into other real estate, where it sounds preposterous on its face to think of the rate of return that you can get from an income property, but when you add up all the five ways you're paid, appreciation, cash flow, loan pay down, made by the tenant, tax benefits and the inflation profiting benefit on the long term fixed interest rate debt, a return of 20% plus is not out of the question at all. So if it's 20, why would you pay off extra on a seven? That's 13 points of arbitrage that you could gain there by not aggressively paying down a property and instead making a down payment on another income property. Chaeli, when it comes to these type of questions and accelerating a payoff, why do banks seem to encourage that you make bi weekly payments rather than monthly payments, therefore accelerating your principal pay down. Caeli Ridge 26:42 I'm not sure the reason behind that. I don't know that I've even seen a lot of that from my lens and my perspective. It's definitely not something I ever comment or preach on. But the overall, what's happening there when you do it the bi weekly, so instead of making $1,000 at the first of the month, you make 500 and then 500 right, middle of them on first of the month. What's happening there is, because of the way the annual calendar goes, it ends up being an extra payment per year, right? I think that's the math. Is, when you do it that way, you end up making an extra payment per year, so you can accelerate. And there's you're not doing anything different, necessarily, to in your cash flow, etc. So I don't think there's anything wrong with it. I don't know what the benefit is to the institution that would in communicate that to its consumer. Yeah, Keith Weinhold 27:27 Yeah, it ends up being 26 bi weekly payments, which has the effect of making 13 monthly payments in a 12 month year, accelerating your pay down. In my experience, it seems that banks encourage this. They contact borrowers. They've contacted me in the past, laying out a welcome mat. Hey, would you like this plan here? And in my mind, accelerating the payoff. We already talked about how that's typically not a good investment. The more you know about the trade off between loans and equity, really, I'm transferring more of the risk onto myself and less they're onto the bank when I accelerate my payoff. So I agree. I'm not interested in doing that at all. Caeli Ridge 28:06 You know, maybe Keith, it could be, because I people talk about this a lot, those people, and let's say that there are a group of individuals that might benefit. Let's say they're in phase three, right? They're well into retirement. They just want to start paying off. They're not maybe investing anymore. They just want to leave that legacy, perhaps, or whatever their circumstances are, and they don't want to take additional capital and apply it to the principal and lock up those funds and make them illiquid. So maybe, just as an easy sidebar, they just make two payments month versus one. I get a lot of people asking that question. I mean, over the years, I know that like at the closing table, we'll have clients say, Hey, is the servicer going to be set up to accept bi weekly payments? And a lot of times they don't like SLS. I mean, there's a lot of servicers out there that will not accept or don't have the infrastructure to collect those bi weekly so maybe just as a consumer desire out there, the servicers have gotten wise to it, and they just offer it. I can't think of the reason behind why they would promote that to their database. I don't know. Keith Weinhold 29:09 Another question that I hear quite often, and probably do as well there is about bundling multiple properties into one loan. Can you tell us about that? Caeli Ridge 29:20 Yeah, that's called cross collateralization. So we're taking residential property, okay, and putting them into a commercial blanket loan. So any combination of single family, up to four unit, five Plex and above is now considered commercial. So it's got to be single family, condo, duplex, triplex, fourplex, right? It's residential property, and they're taking any combination of that and putting it into one blanket loan, cross collateralizing it. Now, I believe the most incentivized way or desire to want to do this is probably for two reasons. One, to free up golden tickets, right? Golden tickets are those Fannie Freddie loans that we talk about a lot. There are 10 of these per qualified individual, if. If someone has maxed out their golden tickets, let's say they've got 12, 1314, properties, they could take five or 10 or 13, whatever the number, and put them into a commercial blanket cross collateralized loan, as long as it's non recourse. That means no personal guarantee is attached to it. The rule per golden ticket will free up all those spaces. So usually this applies to an individual that has a portfolio that has stabilized. This will usually work when the portfolio has had a couple of years to make sure that you've got your consistent tenants and anything that may come up, repairs, maintenance, et cetera, stabilized portfolios and then putting them into that cross collateralization, because the terms are not going to be the same as just a 30 year fixed Okay, especially if you're going to be looking to take cash out and harvest equity that way, that may be a real opportune time to borrow funds. Borrowed funds are non taxable once again, pull the cash out, put it into a non recourse loan. You've got half a million dollars of capital now that you can then go and get a whole new set of golden tickets for expanding your portfolio. So that's something that we focus on for individuals that have maybe maxed out of that that conventional landscape and or are looking to scale and acquire more properties, but they don't want to necessarily look at some of the DSCR loans. They want to get back into the Fannie Freddie box. Keith Weinhold 31:22 Yeah, so someone could bundle and get cash out simultaneously, potentially, is there anything else that qualifies or disqualifies one for bundling many loans into one like this? Caeli Ridge 31:35 It's a commercial underwrite. So they should be aware of that. Now, certainly, we're looking at the individual typically in those loans, the underwriting of those loans, the individual's liquidity and credit are most what we're focusing on, but it's about the property in the portfolio, DSCR, that debt service coverage ratio is a big factor. So we're looking at the income against the monthly expense. Generally. That's going to be the principal, interest, tax and insurance on a commercial basis, they throw in the maintenance, vacancy, et cetera, averages. So you want to see, generally speaking, about 1.2 on those when you divide the incomes and the expenses and then otherwise, yeah, LTV might be a little bit restricted on something like that, 70% usually, maybe you can get as much as 75 if you've got a really strong portfolio. But otherwise, for you, individually, liquidity, some liquidity there, and good credit is what is important. As long as the portfolio is operating at a gain, then you're good to go. Keith Weinhold 32:32 Yeah, that cross collateralization could be really attractive. Well, Chile, we've been in this presidential administration that has shaken things up like few, if any, prior administrations have. One of those things is that they have pushed for cryptocurrency holdings to be recognized as assets in mortgage loan qualification. Now that's something that would probably pend approval by the FHFA and critics cite volatility. I mean, there's been a pattern where every few years, Bitcoin drops 80% before rebounding, and I'm not exaggerating, and that has happened a number of times. And another administration desire is this potential Fannie Mae Freddie Mac merger, or an IPO an initial public offering. Can you tell us what that's about Caeli Ridge 33:21 let's start with the crypto first, whether or not this, this gets through the Congress and or FHFA, however, that that develops and becomes actualized, that may be different than what the lending institutions decide to take a risk on, right the allowance of that crypto so it even if it's approved and they say that, Yes, that we can use this for asset depletion or reserve requirements, or whatever it may be. I don't know necessarily that you're going to see a lot of the lending institutions jump on board. I think they'll probably have overlays. It's just kind of the layering of risk on the crypto side to ensure that the asset and the underwrite is less likely to default. I don't see a lot of lending institutions that are probably going to jump on that bandwagon immediately. That's probably going to need more time and consistency with that particular asset class. That's the crypto thing. So that's a TBD on the other side, we're talking about conservatorship. So post, oh 809, right? The housing crash and Dodd Frank, if you've not heard of those names before, they're just the last names of individuals that that rewrote that sweeping legislation across all sectors of finance. Once we saw housing and lending implode upon each other, Fannie Freddie, as a result, went into conservatorship. Now what they're saying, what the administration is saying is, is that they are going to say that the implicit guarantee actually, let me back up really, really quickly. I will not take too much time on this so Fannie Mae and Freddie Mac The reason that those products are the golden tickets, as we call them, and we're just focused on investor products right now is because highest leverage, lowest interest rate. And why is it like that? That's because it has a United States government guarantee. Against default. So this mortgage backed security is bundled up with other mortgage backed securities and sold, bought and sold on the secondary market to investors, foreign and domestic. Right? Investors that are buying mortgage backed securities, they know that that paper is secure. If it defaults. We've got the United States government that's giving us a guarantee against default. So that's why it's such a secure investment. If we come out of conservatorship, technically, that would normally mean that you may not have that implicit guarantee. However, the Trump administration and those that are in that space, FHFA, Pulte and all those guys, they're saying that that guarantee should still apply if that happens, if that's how they release this, I don't see anything wrong if they do it without all of the volatility. You know, let's use the tariffs as an example. It was all over the place. It was there, and then it was gone. It was up, and then it was down. It was 30% then it was two right? It was it was just so much, and the markets really had a hard time with it. And as a result, I think a lot of people lost massive amounts of wealth in the stock market because of that. So I think that there is some real benefits to getting the Fannie, Freddie, the GSCs, government sponsored enterprises, out of conservatorship. I think it just opens up for more fair trade in the market. But they have to do it the right way, and as long as they keep that guarantee, that government guarantee, and then they take their time and apply the steps appropriately, I think it could be a good thing, ultimately, for the consumer. Now, if they don't, it could really have devastating impacts, and I think it could even raise interest interest rates higher. I know Trump and folks don't want that, so I think they're mindful of it. That's just kind of the take I get. But we'll see, Keith Weinhold 36:42 yeah, because that's my preeminent thought with this. Shaylee, if Fannie and Freddie come out of conservatorship, and there's no government backstop on those loans, it seems like the banks are exposed to more risk, and consequently would have to compensate for that, potentially with a higher interest Caeli Ridge 36:57 rate. You said it better than I did. Yes, I get too technical when I go down those rabbit holes. That's exactly right. I do not think that they will go down that that path without that implicit guarantee. I expect, if this thing comes to fruition, I expect that that guarantee will be there. Keith Weinhold 37:13 Yeah, it does seem likely, with as much administration concern as there is about the housing market and the level of mortgage rates and all kinds of interest rates out there. Well, JAYLEE, this has been a great, wide ranging conversation all the way from strategy to what the administration is doing in interfacing with the mortgage market. If someone wants to learn more about you and your products, tell us what you offer, including your very popular all in one loan there at ridge. Caeli Ridge 37:41 Ooh, thank you for teeing that up. Yeah, especially right now, when people have a lot of concern about interest rates right or wrong, the all in one is a very unique product that removes that fear. It's a way that investors, especially can take control of their equity, pay less in interest, and sometimes hundreds of 1000s of dollars less in interest, while maintaining equity and flexibility and liquidity. Cannot say enough about this product. The all in one. First lien HELOC is my very favorite. For the right individuals, we've talked about it many, many times. They can find us talking about it all over YouTube. You and I have quite a few conversations about that. So that and so much more, guys. So the all in one, you've got the Fannie Freddie's, our debt service ratio products, our bank statement loans, our asset depletion loans, ground up construction bridge loans for fix and flip or fix and hold. We really run the gamut there in terms of loan product diversity. There's very little we can't do for real estate investors. So we're uniquely qualified in that space Keith Weinhold 38:36 and you offer loans in nearly all 50 states. Now tell us more and how one can get a hold of your company. Yes, we are Caeli Ridge 38:44 licensed in 49 states. The only state we're not licensed in residentially is New York. We can still do commercial there. But to reach us, you can find us on the web, Ridge lendinggroup.com you can email us info@ridgelendinggroup.com and feel free to call us at 855, 74 Ridge 855-747-4343, Keith Weinhold 39:04 I'm so familiar with all those avenues because, again, that's where I get my own loans myself. Chaley Ridge has been valuable as always. Thanks so much for coming back onto the show. Caeli Ridge 39:13 Thanks, Keith. Keith Weinhold 39:21 A lot of experts believe that stripping Fannie and Freddie's public backing and taking them public, yeah, that that will increase mortgage rates. See, besides there being more risk, like we touched on there during the interview, Fannie and Freddie would face strong incentives to increase profitability, to make an IPO appealing to potential investors, that's just another reason that would probably increase mortgage rates. But if you're the type that truly champions free marketeerism, then the government would get out of Fannie and Freddie and let them IPO, and you would want. To see that happen now you as an investor, you probably resonate with the fact that rather than having to methodically and even painfully save money for your next property, instead you can just borrow funds, tax free, out of your existing property, and that way, you're using more of other people's money, the bank's money, in this case, and less of your own. Similarly, if you avoid aggressive principal pay down well, you would just retain those funds in the first place. As you can see, Chely is really good at taking a deep look at what you've got to work with and helping you lay out a strategy that might make sense, keeping in mind and evaluating your cash, cash flow, equity DTI and loan to value ratios, they offer free 30 minute strategy sessions. You can book one right there on their homepage at Ridge lendinggroup.com Until next week, I'm your host. Keith Weinhold, don't quit. Sure. Daydream. Speaker 2 41:07 Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC exclusively. Keith Weinhold 41:31 You know, whenever you want the best written real estate and finance info, oh, geez, today's experience limits your free articles access, and it's got pay walls and pop ups and push notifications and cookies disclaimers, it's not so great. So then it's vital to place nice, clean, free content into your hands that adds no hype value to your life. That's why this is the golden age of quality newsletters, and I write every word of ours myself. It's got a dash of humor, and it's to the point because even the word abbreviation is too long, my letter usually takes less than three minutes to read. And when you start the letter, you also get my one hour fast real estate video. Course, it's all completely free. It's called the Don't quit your Daydream. Letter, it wires your mind for wealth, and it couldn't be easier for you to get it right now. Just text gre 266, 866, while it's on your mind, take a moment to do it right now. Text, gre 266, 866 Keith Weinhold 42:47 The preceding program was brought to you by your home for wealth, building, get richeducation.com.
Your biggest ultramarathon questions are answered in this Q&A episode!In this episode we cover:How many miles you should be running in peak week of trainingHow much you should be training when going for an ultramarathonHow to structure an ultramarathon training plan that fits your needsWhen to change shoes in an ultramarathonHow to decide to run or not if you are feeling painsHow to plan best for an ultramarathon in terms of pacing, nutrition, etcAnd so much more!Thanks so much for listening to the episode!SHOW LINKS:Want to work with me to crush your next ultramarathon in our group coaching program and get a FREE Everyday Ultra Hat? Sign up for our group coaching program here: https://www.theeverydayultra.com/group-coachingWant to be coached by me and my team to crush your next ultramarathon? Book a free call here with one of our coaches to see if we are a good fit!Follow Joe on IG: https://www.instagram.com/joecorcione/Everyday Ultra YouTube Channel: https://www.youtube.com/channel/UCUelKGeptWZivD6yRIDiupgTry PlayOn Pain Relief Spray at playonrelief.comTry Bear Butt Wipes and get 10% off your order with code EVERYDAYULTRA at bearbuttwipes.comTry Janji apparel and get 10% off your order with code EVERYDAYULTRA at Janji.comTry Ketone-IQ and get 30% off your order at ketone.com/everydayultra
A new Japanese report has estimated the earnings of Demon Slayer creator Koyoharu Gotouge, whose royalty income has reportedly reached astronomical figures.With the Demon Slayer manga surpassing 220 million copies in circulation, Gotouge's earnings from royalties are likely immense. At Kadokawa's "World Worldless Manga Contest" panel last year, it was revealed that the royalty income for most manga artists is 10%. Based on this rate, a recent report by Real Sound estimates Gotogue's income from physical comic sales alone to be approximately 10 billion yen (about US$64 million), with digital sales adding even more to that total. This figure also does not even include the ever-expanding economic sphere of the Demon Slayer franchise, which encompasses games, stage plays and merchandise, such as a recent collaboration with convenience store chain FamilyMart that sold 2.4 million items.Support The Podcast!https://creators.spotify.com/pod/show/roose366/subscribeFollow For More Content &Streams!Science Podcast: https://open.spotify.com/show/5nFXe9dPeWrMpyObyAlrnF?si=7358d1cf32cb45b7Youtube Gaming: https://www.youtube.com/@RooseJp/videosTiktok: https://www.tiktok.com/@podcastonanime
It's a wonderfully curious thing, isn't it, how two little words like "less" and "fewer" can stir up so much conversation and, at times, even a little bit of friendly debate? It's a perfect example of how our language is a living, breathing entity, constantly shaped by how we, its speakers, choose to use it. Let's take a warm and friendly stroll through the landscape of these two words and see what we can discover together.
Ep#879 - Vast Amounts of Game, Adam 22, Baltimore, Rylo, Boosie and Game (1) by BossMack Industries
It’s a content packed episode this week on The Mead House, Jeff and Chris reflect on some of the differences between the process of making a mead versus making a beer or a wine. Chris tries a taste of Jeff’s partigyle bonus braggot. The guys switch gears to talk general rules about estimating how much … Continue reading "Episode 283 – Making Mead versus Beer & Wine, Estimating Starting Amounts for Adjuncts"
Why are massive amounts of money leaving Canada? Guest: Kim Moody, founder of Moodys Tax/Moodys Private Client, a former chair of the Canadian Tax Foundation Learn more about your ad choices. Visit megaphone.fm/adchoices
There is Vast Amounts of Evidence of Trump's Seedy Ties to the Despicable Epstein by Ian Masters
It can be hard to not eat a large amount of food if you WANT to eat a large amount of food. So, why do you want to? That's the question I'm helping you answer in this episode. Listen in to understand this want and to learn how you can change it so you actually want to eat a moderate amount more than a large amount. Interested in working with me? Go to http://www.coachkir.com/group to get all the information you need! Find show notes and more information at https://coachkir.com/362 FEATURED IN THIS EPISODE Awesome Free Stuff FREE TRAINING – Quiet Your Food Noise Naturally Episode #112: The Pleasure Cap
Ian Jones (@iansjones), is a creative powerhouse from Pittsburgh known for his authentic and impactful photo and video content. With a passion for pushing creative boundaries, Ian has built a reputation for producing work that is both relatable, innovative, and of high quality.In this episode, Ian shares how quitting alcohol transformed his life, unlocking newfound clarity, energy, and a relentless drive to create. He dives into the challenges of breaking old habits, the importance of making content for yourself, and how staying true to your vision can lead to meaningful work. With insights on balancing personal growth and creative passion, Ian's story is a powerful reminder to embrace change and channel your energy into what truly matters.Expect to Learn:How quitting alcohol unlocks a new level of mental clarity and creativityThe value of using creativity as a productive outletThe importance of making content for yourself rather than chasing trendsThe importance of self-awareness in recognizing unhealthy patternsWhy creators should embrace their human side to connect with audiencesIan's links:Ian's Website: https://www.isjdesigns.com/Ian's YouTube: https://www.youtube.com/@iansjones_Sponsor:Thanks to Tamron for sponsoring this episode! This summer, enjoy big savings with discounts up to $300 on a range of lenses, including their award-winning 70-180mm F/2.8 G2 lens now at its lowest price ever. Featuring a constant F/2.8 aperture and built-in image stabilization, this lens is packed with customization options to help you capture perfect shots. Don't wait—visit www.tamron-americas.com or your local Tamron dealer today!Our Links:Join our subreddit where you can share stories and ask questions:https://www.reddit.com/r/photographermindset/Subscribe to TPM's Youtube page and watch full length episodes: https://www.youtube.com/thephotographermindset/Make a donation via PayPal for any amount you feel is equal to the value you receive from our podcast episodes! Donations help with the fees related to hosting the show:https://paypal.me/podcasttpm?country.x=CA&locale.x=en_USThanks for listening!Go get shooting, go get editing, and stay focused.@sethmacey@mantis_photography@thephotographermindsetSupport the show
Dan Favale of Bleacher Report joins Afternoon Drive to discuss the latest with the Cavs offseason. He talks about why he's against Cleveland trading for LeBron James, the Lonzo Ball-Isaac Okoro trade, Sam Merrill's extension, and more.
Idaho Wildfire Shooting Update: To support and subscribe: https://thehotshotwakeup.substack.com/The press conference has just finished, with new details on the incident. Two firefighter deaths were confirmed by the local sheriff, FBI en route, and SWAT on scene.Law enforcement says they are still actively taking fire from an unknown number of “well-prepared suspects.”The sheriff and firefighters responding called it an “intentional fire and ambush.”I cover the initial call and radio traffic leading up to the shooting. ShareTHE HOTSHOT WAKE UP — Thank you to all of our paid subscribers. Your support allows us to donate generously to firefighter charities and supports all of our content. You also receive all of our article archives, more podcast episodes, Monday morning workouts, and also entered into our giveaways, plus more.
Andrew Camilleri, better known as Kukks, is one of the most prolific contributors to BTCPay Server & an advocate for using bitcoin as money. Recently, he started building Bitcoin Layer 2 applications for Ark Labs & believes in conservative improvements. Time stamps: (00:00:49) Introduction & Andrew's Background (00:01:46) Getting Into Bitcoin & Altcoin Integrations (00:03:02) Focusing on Bitcoin & Monero Plugin (00:04:04) BTCPay Plugins & Community (00:04:22) Bitcoin's Imperfections & Altcoin Use Cases (00:04:55) Pessimism & Stagnation in Bitcoin Development (00:05:16) Introduction to Ark & Its Evolution (00:06:10) Ark's Technical Evolution (00:07:31) Ark's Impact on Developer Morale (00:07:36) What is Ark? (00:09:08) Ark's Virtual Ledger & Dust Problem (00:09:59) Off-Chain Payments & User Experience (00:11:07) Lightning Network vs. Ark (00:13:21) Custodial Lightning & Ark's Broader Goals (00:15:13) Escrow & Multisig Use Cases (00:16:09) Bitcoin's Usability & Fee Volatility (00:16:51) Miners & Second Layer Economics (00:19:08) Drivechains & Network Fragmentation (00:21:38) Rollups, ZK Proofs, and Simplicity (00:25:53) CTV, Musig2, and Soft Forks (00:28:12) OP_CAT, Collider Script, and Efficiency (00:32:38) Cost, Privacy, and Coinjoin (00:36:12) Stablecoins, Payments, and Swapping (00:38:14) Privacy, TumbleBit, and Ark's Superiority (00:41:03) Expiry, Operators, and User Experience (00:44:14) Becoming an Ark Operator (00:47:31) Fedimints, Liquid, and Privacy (00:49:41) Security Against Operator Theft (00:51:31) HODLing, Expiry, and Automation (00:53:37) Payment Finality & Pre-Confirmation (00:57:49) Government Attacks & Decentralization (01:02:51) Ark's User Experience & Wallet Integration (01:05:11) Lightning Interoperability & Partnerships (01:07:48) Arkade OS & Arcade Script (01:13:06) Underrated Use Cases: Escrow & Synthetic Assets (01:18:29) BTCPay Server's Impact & Bitcoin Payment Adoption (01:22:23) Speculation, Regulation, and Medium of Exchange (01:24:20) Litecoin, Extension Blocks, and Privacy (01:26:01) Coinjoin, Amounts, and Privacy Pools (01:29:09) Bitcoin Upgrades, CTV, and Developer Frustration (01:34:27) Soft Fork Politics & Overselling Upgrades (01:41:53) Payments, Credit Cards, and Onboarding (01:44:11) Stablecoins, Speculation, and Fiat Mindset (01:48:48) Taproot Assets, Altcoins, and Control Tokens (01:52:17) Early Bitcoin Days & Escrow (01:54:53) Gaming, Digital Money, and Bitcoin Adoption (01:59:15) Speculative Attack & Fiat Demand (02:00:01) Supercycle Skepticism & Price Predictions (02:02:22) Hard Forks, Big Blockers, and Research Value (02:24:40) NFTs, Ordinals, and Free Market Transactions (02:36:28) BTCPay Plugins & Comparison to LNBits (02:43:14) Zero Conf, RBF, and Payment Risks (02:47:41) Ark's Future: Liquidity & Decentralization (02:49:25) Testing Ark & Reference Wallet (02:51:00) Browser Wars & Internet Evolution (02:56:26) Scaling Bitcoin Payments & Libra Comparison (02:58:10) Tipping, Custodial Wallets, and Ark's SDK (03:02:12) HODL Culture vs. Spending (03:06:07) Optimism, Pessimism, and User Adoption (03:08:13) Lightning's Complexity & Ark's Simplicity (03:11:18) Competition Among Layer 2s (03:14:13) Ark's Launch, Operators, and Liquidity (03:16:08) Ark Operator Incentives & Fee Structure (03:17:08) Testing, Following, and Final Thoughts
The Real Truth About Health Free 17 Day Live Online Conference Podcast
Two-time Emmy and three-time NAACP Image Award-winning television Executive Producer Rushion McDonald interviewed Dexter B. Jenkins. The uploaded document features an insightful conversation with Dexter B. Jenkins, a real estate entrepreneur, financial strategist, and pastor, on Money Making Conversations Masterclass hosted by Rashawn McDonald. Here’s a breakdown of the key topics and highlights: Key Themes & Highlights Overcoming Fear in Real Estate Jenkins explains that fear is the biggest obstacle for first-time buyers. He emphasizes education and networking as tools to overcome fear. Faith & Financial Success He discusses the intersection of faith and wealth creation, referencing biblical principles. Jenkins highlights how faith can guide financial decisions and real estate investments. The Real Estate Wealth Creator Blueprint Jenkins shares his personal journey as a second-generation real estate investor. He outlines strategies for building wealth through real estate ownership. The Importance of Partnerships He stresses the value of teaming up with others to invest in real estate. Jenkins explains how clear roles and agreements can prevent conflicts in partnerships. Common Myths About Real Estate Investing He debunks the misconception that large amounts of money are required to invest. Jenkins highlights programs like VA loans and FHA loans that make real estate accessible. Financial Literacy & Generational Wealth He advocates for financial education to ensure wealth is preserved and passed down. Jenkins discusses mentorship and how learning from experienced investors can accelerate success. About Dexter B. Jenkins Dexter B. Jenkins is a faith-based financial mentor, pastor, and real estate investor. He is the author of The Real Estate Wealth Creator Blueprint, which provides strategies for overcoming fear, financial limitations, and inexperience in real estate. Through his work, Jenkins helps individuals build generational wealth by combining faith, financial literacy, and strategic investing. #BEST #STRAW #SHMS Support the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.
Two-time Emmy and three-time NAACP Image Award-winning television Executive Producer Rushion McDonald interviewed Dexter B. Jenkins. The uploaded document features an insightful conversation with Dexter B. Jenkins, a real estate entrepreneur, financial strategist, and pastor, on Money Making Conversations Masterclass hosted by Rashawn McDonald. Here’s a breakdown of the key topics and highlights: Key Themes & Highlights Overcoming Fear in Real Estate Jenkins explains that fear is the biggest obstacle for first-time buyers. He emphasizes education and networking as tools to overcome fear. Faith & Financial Success He discusses the intersection of faith and wealth creation, referencing biblical principles. Jenkins highlights how faith can guide financial decisions and real estate investments. The Real Estate Wealth Creator Blueprint Jenkins shares his personal journey as a second-generation real estate investor. He outlines strategies for building wealth through real estate ownership. The Importance of Partnerships He stresses the value of teaming up with others to invest in real estate. Jenkins explains how clear roles and agreements can prevent conflicts in partnerships. Common Myths About Real Estate Investing He debunks the misconception that large amounts of money are required to invest. Jenkins highlights programs like VA loans and FHA loans that make real estate accessible. Financial Literacy & Generational Wealth He advocates for financial education to ensure wealth is preserved and passed down. Jenkins discusses mentorship and how learning from experienced investors can accelerate success. About Dexter B. Jenkins Dexter B. Jenkins is a faith-based financial mentor, pastor, and real estate investor. He is the author of The Real Estate Wealth Creator Blueprint, which provides strategies for overcoming fear, financial limitations, and inexperience in real estate. Through his work, Jenkins helps individuals build generational wealth by combining faith, financial literacy, and strategic investing. #BEST #STRAW #SHMS See omnystudio.com/listener for privacy information.
Two-time Emmy and three-time NAACP Image Award-winning television Executive Producer Rushion McDonald interviewed Dexter B. Jenkins. The uploaded document features an insightful conversation with Dexter B. Jenkins, a real estate entrepreneur, financial strategist, and pastor, on Money Making Conversations Masterclass hosted by Rashawn McDonald. Here’s a breakdown of the key topics and highlights: Key Themes & Highlights Overcoming Fear in Real Estate Jenkins explains that fear is the biggest obstacle for first-time buyers. He emphasizes education and networking as tools to overcome fear. Faith & Financial Success He discusses the intersection of faith and wealth creation, referencing biblical principles. Jenkins highlights how faith can guide financial decisions and real estate investments. The Real Estate Wealth Creator Blueprint Jenkins shares his personal journey as a second-generation real estate investor. He outlines strategies for building wealth through real estate ownership. The Importance of Partnerships He stresses the value of teaming up with others to invest in real estate. Jenkins explains how clear roles and agreements can prevent conflicts in partnerships. Common Myths About Real Estate Investing He debunks the misconception that large amounts of money are required to invest. Jenkins highlights programs like VA loans and FHA loans that make real estate accessible. Financial Literacy & Generational Wealth He advocates for financial education to ensure wealth is preserved and passed down. Jenkins discusses mentorship and how learning from experienced investors can accelerate success. About Dexter B. Jenkins Dexter B. Jenkins is a faith-based financial mentor, pastor, and real estate investor. He is the author of The Real Estate Wealth Creator Blueprint, which provides strategies for overcoming fear, financial limitations, and inexperience in real estate. Through his work, Jenkins helps individuals build generational wealth by combining faith, financial literacy, and strategic investing. #BEST #STRAW #SHMS Steve Harvey Morning Show Online: http://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.
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Normally these are major dating turn-offs depending on who you're on the date with
Ep#877 - Abundant Amounts Of Game by BossMack Industries
Rapper Kid Cudi — who had a brief relationship with Cassie Ventura — testified about his interactions with Combs. Ventura testified last week that she endured physical and sexual abuse from Combs and detailed how he orchestrated drug-fueled sex performances called “Freak Offs.” Learn more about your ad choices. Visit podcastchoices.com/adchoices
Want to Start or Grow a Successful Business? Schedule a FREE 13-Point Assessment with Clay Clark Today At: www.ThrivetimeShow.com Join Clay Clark's Thrivetime Show Business Workshop!!! Learn Branding, Marketing, SEO, Sales, Workflow Design, Accounting & More. **Request Tickets & See Testimonials At: www.ThrivetimeShow.com **Request Tickets Via Text At (918) 851-0102 See the Thousands of Success Stories and Millionaires That Clay Clark Has Helped to Produce HERE: https://www.thrivetimeshow.com/testimonials/ Download A Millionaire's Guide to Become Sustainably Rich: A Step-by-Step Guide to Become a Successful Money-Generating and Time-Freedom Creating Business HERE: www.ThrivetimeShow.com/Millionaire See Thousands of Case Studies Today HERE: www.thrivetimeshow.com/does-it-work/
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Vanuatu increases CIIP investment thresholds by 15-20%, as single applicant contributions rise from $100,000 to $115,000.View the full article here.Subscribe to the IMI Daily newsletter here.
In this week's enterprise security news, Lots of funding announcements as we approach RSA New products The M-Trends also rudely dropped their report the same day as Verizon Supply chain threats Windows Recall is making another attempt MCP server challenges Non-human identities A startup post mortem Remember that Zoom outage a week or two ago? The cause is VERY interesting All that and more, on this episode of Enterprise Security Weekly. Show Notes: https://securityweekly.com/esw-404
In this week's enterprise security news, Lots of funding announcements as we approach RSA New products The M-Trends also rudely dropped their report the same day as Verizon Supply chain threats Windows Recall is making another attempt MCP server challenges Non-human identities A startup post mortem Remember that Zoom outage a week or two ago? The cause is VERY interesting All that and more, on this episode of Enterprise Security Weekly. Show Notes: https://securityweekly.com/esw-404
Look, we get it, alright? There's a stigma surrounding anime conventions; smelly, odd, and just kind of weird. But regardless, why oh why do such sad, unfortunate things happen at anime conventions??? Poop raining from the ceiling?! Smoke filling up Artist Alley?!?! Seriously, let's give it a rest already, Universe, OK!?!?!? *phew* Alright, I'm good. But come on... this is getting insane! If you haven't heard, don't worry! MagicallyAverage and Frankfurtter recap some of the latest news from recent anime conventions and just what has been going on during the events. Plus, the bakabois breakdown their top cringey convention things that people should really stop doing... Like, please, stop it now. Get help. Articles in Episode:KatsuCon - https://wjla.com/news/local/sewage-water-rains-on-katsucon-attendees-and-displays-at-gaylord-national-harbor-pipe-burst-hotel-convention-center-anime-enthusiast-cosplay-evacuation-hazard-weekend-event-smell-sweageSakura-Con - https://www.king5.com/article/news/local/seattle/ventilating-smoke-fire-seattle-convention-center/281-6986f8cd-a002-4cfd-91bf-efe0b6208a5b---------------------------------------------------------------------------------------------------------------------------Twitch: BakacopodcastTikTok: @bakacopodcastInstagram: @bakacopodcastBlueSky: @bakaco.bsky.socialYouTube: @bakacopodcast---------------------------------------------------------------------------------------------------------------------------#anime #animepodcast #podcast #manga #animenews #animereviews #animepreviews #animerecommendations #mangacollectionSupport this show http://supporter.acast.com/bakacompany-podcast. Hosted on Acast. See acast.com/privacy for more information.
041025 SHORT 8 MIN- THe DOSAGE AMOUNTS OF NICOTINE PATCH You Should Wear by Kate Dalley
"The show now weighs as much as a small man - 183 lbs" -Greg ALSO: "I would not want to have sex with Marco Rubio" -Chris PLUS: "Balancing the budget" is code for violence againt the most vulnerable. A beautiful, upbeat song of the week from Frightened Rabbit!!!Frightened Rabbit - "I Feel Better": https://www.youtube.com/watch?v=ooDZKpzb0T4Cold Brew Patreon: Patreon.com/ChrisCroftonChannel Nonfiction: ChannelNonfiction.com"Golf Swing" Advice King: https://www.nashvillescene.com/arts_culture/adviceking/advice-king-golf-swing/article_34579ae0-9164-4171-aabb-77d194e43dd2.html
Edition No120 | 30-03-2025 - The story in today's episode has come as a huge and bewildering shock to a lot of people. But unfortunately, is something that Jonathan Pearce and I suggested was a possibility some weeks back. And that is the full alignment of Washington with Moscow's objectives, which amount to a modern-day Molotov-Ribbentrop pact. An attempt to carve up Ukrainian territory, assets and resources, including minerals, metals, hydrocarbons and now infrastructure as well, in a neo-colonial annexation. The worst aspect is that this is likely being coordinated with a reincarnated evil empire, the Russian imperial project, the resurrection of the USSR, and a terror state that has committed innumerable war crimes, some of which amount to a modern-day genocide, comparable to the Holodomor. ----------LINKS:https://www.telegraph.co.uk/gift/34df812ab180a9d4https://www.theguardian.com/world/2025/mar/25/russia-ukraine-ceasefire-trumphttps://www.independent.co.uk/news/world/europe/starmer-coalition-of-the-willing-ukraine-paris-b2722491.htmlhttps://kyivindependent.com/kremlin-warns-it-may-resume-energy-strikes-accuses-ukraine-of-ceasefire-breaches/https://kyivindependent.com/white-house-rejects-putins-proposal-for-temporary-government-in-ukraine/https://kyivindependent.com/you-cant-trust-the-russians-europes-ukraine-peacekeeping-plans-face-one-obvious-hurdle/ ----------Easter Pysanky: Silicon Curtain - https://car4ukraine.com/campaigns/easter-pysanky-silicon-curtainCar for Ukraine has joined forces with a group of influencers, creators, and news observers during this special Easter season. In peaceful times, we might gift a basket of pysanky (hand-painted eggs), but now, we aim to deliver a basket of trucks to our warriors.This time, our main focus is on the Seraphims of the 104th Brigade and Chimera of HUR (Main Directorate of Intelligence), highly effective units that: - disrupt enemy logistics - detect and strike command centers - carry out precision operations against high-value enemy targetshttps://car4ukraine.com/campaigns/easter-pysanky-silicon-curtain----------SILICON CURTAIN FILM FUNDRAISERA project to make a documentary film in Ukraine, to raise awareness of Ukraine's struggle and in supporting a team running aid convoys to Ukraine's front-line towns.https://buymeacoffee.com/siliconcurtain/extras----------SILICON CURTAIN LIVE EVENTS - FUNDRAISER CAMPAIGN Events in 2025 - Advocacy for a Ukrainian victory with Silicon Curtainhttps://buymeacoffee.com/siliconcurtain/extrasOur first live events this year in Lviv and Kyiv were a huge success. Now we need to maintain this momentum, and change the tide towards a Ukrainian victory. The Silicon Curtain Roadshow is an ambitious campaign to run a minimum of 12 events in 2025, and potentially many more. We may add more venues to the program, depending on the success of the fundraising campaign. https://buymeacoffee.com/siliconcurtain/extrasWe need to scale up our support for Ukraine, and these events are designed to have a major impact. Your support in making it happen is greatly appreciated. All events will be recorded professionally and published for free on the Silicon Curtain channel. Where possible, we will also live-stream events.https://buymeacoffee.com/siliconcurtain/extras----------SUPPORT THE CHANNEL:https://www.buymeacoffee.com/siliconcurtainhttps://www.patreon.com/siliconcurtain----------
Did you know that the Bible dedicates just a few chapters to the story of creation, but 13 chapters to the detailed instructions for building the Tabernacle? That alone speaks volumes about its significance. But here's something even more intriguing: in Hebrew, the language strongly hints that the Tabernacle is connected to the human body in ways most English translations miss. Today, Brayden and Tali dive deep into this fascinating topic, shedding light on what the Tabernacle truly represents. You won't want to miss this! We also have 4 exciting updates 1. We have launched a new channel dedicated to our music. It will host our musical albums as well as scripture memory verses and sometimes just our fun songs that we like to sing while we are out and about. You can see our new channel here https://www.youtube.com/@LoveandPurityMusic 2. Proclaim Music Festival. We will be playing at the proclaim music festival this year in Hornick Iowa on June 19-22. We hope you can join us! https://proclaimmusicfestival.com/ 3. The Fight For The Heart Tour will be traveling from Missouri to Tennessee and into North and South Carolina in July and August. If you are on the way and would like Aaron and his family to come and speak to your church/fellowship/small group/youth group email Aaron at aaron@loveandpurity.com 4. Harp + Farm 2025 is off to a great start. We have an amazing group of young people who are hungry for a deeper relationship with God. Make sure to subscribe to our Facebook channel to get all the latest updates on that. This weeks portion is: Pekudei TORAH EXODUS 38:21-40:38 PROPHETS EZEKIEL 45:16-46:18* GOSPEL LUKE 22:1-13* Want to learn more about our ministry? Visit www.LoveAndPurity.com Intro and outro song: Faith for Salvation (1 Peter 1:3-5) by Brayden & Tali Waller All music rights belong to Love & Purity Ministry
FERMATCreate funnels the same way you create ads with FERMAT by visiting https://fermatcommerce.com/afADMISSIONGet the best media buying training on the Internet + a free coaching call with Common Thread Collective's media buyers when you sign up for ADmission here: https://www.youradmission.co/andrew-faris-podcast//SUBSCRIBE TO MY CHANNEL FOR WEEKLY UPLOADS!FOLLOW UP WITH ANDREW X: https://x.com/andrewjfaris Email: podcast@ajfgrowth.comWork with Andrew: https://ajfgrowth.com
It's a recurring question the life of a fundraiser: "How much money should I request from a donor when I meet with them?" If that's a question that continues to baffle you, we have good news! Andrew and Rhen return with an episode on tools you can use to determine the appropriate dollar amounts for donor asks. In this epsiode, Andrew shares his experiences with determining donor ask amounts. He highlights tools he uses to help him come up with his ask range, and he discusses the clues you can look for in your initial interactions to help you determine ask amounts down the road. Most importantly, however, Andrew emphasizes the need for boldness when you make your asks. The consequences of being bold are often much less than the lost opportunity that comes with caution.
3pm: Gas pumps around Washington could be giving different amounts of fuel than what you paid for // Washington drivers feel higher gas prices as carbon costs soar // I Stand Corrected - Ask, tell, correct or yell at John about anything // Dept. of Education - Brief history, where money goes, why we can get rid of it. // Why This Could Be the Year Warren Buffett Finally Gives Away $1 Million // The Odds Of Filling Out a Perfect Bracket
It's no secret that the oil industry is central to North Dakota's economy. Still, it's surprising even for in-the-know citizens to look back at the remarkable growth of that industry over the last couple of decades. The North Dakota Petroleum Council routinely commissions studies into the economic impact of their industry, and the findings are eye-popping. The first study was conducted in 2005. "At that time, the oil and gas industry, we were producing 92,000 barrels of oil a day. We had 3,300 mostly tired oil wells from non-Bakken formations. We employed about 5,000 people," NDPC President Ron Ness said on this episode of Plain Talk. "Today we are a three $3.2 billion industry." "We employ 63,000 people," he continued. "We produce 1.2 million barrels of oil a day. "It's as you said, the rise has just been incredible." But what about the future? Ness says there are opportunities to find new avenues for growth that North Dakota must seize lest oil production and its attendant boons in terms of economic impacts and tax revenues ebb. "With the best technology in all the world focused on this resource, out of every 100 barrels of oil, we're still leaving 85 in the ground," he said. "If we can get another 15%, that's a doubling of the ultimate recovery, and it will add generations and generational wealth and opportunities for future North Dotans. Without that, we're going to we're going to deplete this resource." How do we seize this opportunity? "We're going to need massive amounts of CO2," Ness said, pointing out that the NDPC, along with partners at North Dakota's universities, have been pursuing enhanced oil recovery methods using carbon dioxide. "We've been studying enhanced oil recovery through the use of carbon dioxide since 20 3 with the [University of North Dakota Energy and Environment Research Center]," Ness said. "The uniqueness about carbon dioxide and what it does is it mobilizes new oil off the rock. You've got to keep that that pressure up in that reservoir. Natural gas will help that. It'll do some of that, but CO2, as proven by EERC in Bakken rock, will mobilize new oil." Also on this episode, Sen. Paul Thomas, a Republican from Velva, joined us to discuss the rural perspective on the property tax debate. One concern he has is that the focus of House Bill 1176, which was introduced by Rep. Mike Nathe and is supported by Gov. Kelly Armstrong, is exclusively on property tax relief for primary residences. Thomas argues that this could create a political unbalance that has the spending promoted by a majority of voters supported by a minority of farmers and business owners. "In many of the counties, agricultural land provides the majority of the tax base for that county," he said. "In certain communities, obviously if you go to you know Ward County or you go to Cass County with the larger cities, it's not going to be as high a percentage, but when you get out in the in the other rural counties, the agricultural land is providing a majority of the tax." HB1176 provides property $1,450 tax credits for primary residences. Thomas says he'd like to see that combined with House Bill 1168, sponsored by Rep. Scott Louser of Minot, which buys out school credits. The combo, Thomas argues, would deliver the direct and dramatic relief for homeowners that Gov. Armstrong has asked for while also delivering some relief to business owners and farmers. This episode is presented by North Dakotans for Public Schools. North Dakotans for Public Schools is dedicated to protecting and strengthening public education in North Dakota. United by the belief that public schools are the cornerstone of our communities; North Dakotans for Public Schools fights against harmful policies like voucher schemes that divert resources away from public schools. By bringing together educators, parents, school boards, and citizens; North Dakotans for Public Schools amplifies the voices of those who understand the critical role public schools play in shaping the future of North Dakota's children and communities. Learn more and get involved at www.NDforPublicSchools.com If you want to participate in Plain Talk, just give us a call or text at 701-587-3141. It's super easy — leave your message, tell us your name and where you're from, and we might feature it on an upcoming episode. To subscribe to Plain Talk, search for the show wherever you get your podcasts or use one of the links below. Apple Podcasts | Spotify | YouTube | Pocket Casts | Episode Archive
what more do you need?? lol! Those and more Fun Facts for your (slightly shorter) weekend!
In this episode, I'm thrilled to sit down with the inspiring Elaine Asher, a powerhouse in educating and empowering women to gain financial independence through investing, especially in alternative assets. Elaine shared how she grew up being super studious with a heavy emphasis on getting a liberal arts education after high school. We dive deep into Elaine's early memories of money and how the Black Monday stock market crashed in 1987 served as an early lesson in the broad impact the stock market has on society. Elaine takes us through her diverse career, from non-profit fundraising to private wealth management, eventually leading her to the dynamic world of cryptocurrency. Her mission is clear: to break down barriers and enable more women to participate in all types of investing — especially crypto. Elaine also discusses her latest venture, Eve Wealth, which aims to simplify and demystify investing in digital assets for women. Tune in to learn about the impactful changes Elaine is making and how you can take steps toward your own financial empowerment. Key Topics: Early lessons in the volatility of money through the 1987 stock market crash Attending 3 high schools in four years as a type A teenager Choosing a college major for enjoyment vs. out of necessity Cold-calling Wall Street for her first job in 1998 Elaine's first exposure to the power of investing Learning not what to do with money after her grandfather died An initiation into investing through an inheritance and how it helped drive her career moves Quitting her job to travel Europe Lessons from the wealthy at her fundraising job A desire to get into finance to inspire more women interested in investing Elaine's journey to working with JP Morgan The breakthrough moment that got her into cryptocurrency investing The untapped opportunities for women with crypto Having a high risk tolerance for investing Going on a mission to educate more women in the power of crypto Starting Eve Wealth and fundraising her startup Connect with Elaine online: Website: https://www.evewealth.com/ LinkedIn: https://www.linkedin.com/in/elaine-asher-0a49a24/ https://www.linkedin.com/company/evewealthhq/ Instagram: @evewealthhq Find more from Syama Bunten: Instagram: @syama.co, @gettingrichpod Website: https://syamabunten.com/ Download Syama's Guide to Getting Rich: www.syamabunten.com Women & Wealth Catalyst Summit: https://women.win/ Big Delta Capital: www.bigdeltacapital.com
More than 15,000 influenza cases have been reported this flu season, according to the Nebraska Department of Health and Human Services.
How they Gave Mass Amounts of Cash to the Taliban full 632 Tue, 18 Feb 2025 14:26:34 +0000 f2jUgc9oYAwjRwxzmVdX0qJDnM5JQNlF news The Tara Show news How they Gave Mass Amounts of Cash to the Taliban Tara presides over the Upstate's #1 all news/talk morning show every weekday on News/Talk 989 WORD.Tara's faithful listeners are affectionately known as "Tara-ists" because of their passion and participation in the show. Tara was named 2021 Best News Talk Show and Best overall Personality, AGAIN, by the South Carolina Broadcasters Association! Tara took home the same honors in 2018 and was also named 2016 "Personality of the Year!" In addition, Tara has also won over two dozen state and national journalism awards for column writing, news reporting and investigative reporting while working for three newspapers and writing for a variety of national publications. She won a first place reporting award from the North Carolina Press Association for an investigative series about the weaknesses in Charlotte's overburdened court system, which regularly let murderers off the hook with less than 15 years in prison. Due to her work, that system has been reformed. Tara is also a winner of the prestigious first place Green Eyeshade Award, a national award for column writing from The Society of Professional Journalists. Tara took to the airwaves about 15 years ago to do a radio show heard up and down the coast and fell in love with bypassing her editors to talk straight to the people. Tara hasn't stopped reporting, and still brings her investigative journalism to the show. Tara is a mom, wife and talk radio convert-- and weekday mornings she's live and local on News/Talk 989 WORD. Are you a "Tara-ist"? It's time to get captured! 2024 © 2021 Audacy, Inc. News False https://player.amperwavepodcasting.com?feed-link=https%3A%2F%2Frss.amperwave.net%2Fv2
Hour 4: The Tara Show - “How they Gave Mass Amounts of Cash to the Taliban” “Uncovering the Incompetence of the Federal Government” “Cleaning out the Swamp” “JD Vance Risks it All in Europe” full 1870 Tue, 18 Feb 2025 15:31:31 +0000 UV4Bl5qhtJrjSwkyiqXaZWcVZMvCtycm news The Tara Show news Hour 4: The Tara Show - “How they Gave Mass Amounts of Cash to the Taliban” “Uncovering the Incompetence of the Federal Government” “Cleaning out the Swamp” “JD Vance Risks it All in Europe” Tara presides over the Upstate's #1 all news/talk morning show every weekday on News/Talk 989 WORD.Tara's faithful listeners are affectionately known as "Tara-ists" because of their passion and participation in the show. Tara was named 2021 Best News Talk Show and Best overall Personality, AGAIN, by the South Carolina Broadcasters Association! Tara took home the same honors in 2018 and was also named 2016 "Personality of the Year!" In addition, Tara has also won over two dozen state and national journalism awards for column writing, news reporting and investigative reporting while working for three newspapers and writing for a variety of national publications. She won a first place reporting award from the North Carolina Press Association for an investigative series about the weaknesses in Charlotte's overburdened court system, which regularly let murderers off the hook with less than 15 years in prison. Due to her work, that system has been reformed. Tara is also a winner of the prestigious first place Green Eyeshade Award, a national award for column writing from The Society of Professional Journalists. Tara took to the airwaves about 15 years ago to do a radio show heard up and down the coast and fell in love with bypassing her editors to talk straight to the people. Tara hasn't stopped reporting, and still brings her investigative journalism to the show. Tara is a mom, wife and talk radio convert-- and weekday mornings she's live and local on News/Talk 989 WORD. Are you a "Tara-ist"? It's time to get captured! 2024 © 2021 Audacy, Inc. News False https://player.amperwavepodcasting.com?feed-link=https%3A%2F%
Joe and Alex discuss how everything you've probably read about this week was a distraction from Trump's endgame. We all have to pay very, very close attention to what's happening behind the curtain. Why Trump's crypto capture scheme could be the biggest story in our lifetimes. And how social media is quickly becoming an arm of the state. TikTok, X, and now even Facebook... and why in the face of all Trump's distractions this week and beyond, Joe explains why we have to be more vigilant than ever. Learn more about your ad choices. Visit megaphone.fm/adchoices
What would you do if you had endless amounts of cash? How would you show up? What would you believe? In this episode, you'll learn: How to get connected to the amount of money you want The meaning you assign to money and it will affect how money will show up The formula to receive your desires How to live in abundance and belief you have an endless ATM Join us for the Highest CASH Month Challenge January 28th-30th: https://link.shaminataylor.com/highest-cash-month-challenge-page If you're ready to be step into your power and feel safe to create with your emotions you need to take ATQ: https://go.shaminataylor.com/order-form1660165925817 The MILLIONAIRE Club 6 Month Program: https://bit.ly/3Y46UaI The Millionaire Club Program includes my THREE core programs: ATQ, Evolved Alpha Female and Activated Money Flow. The Millionaire Club is a powerful group container for ambitious women. In this program, I guide you to raise your standards, transform your relationship with money, and help you to stay in alignment with your desires. Download my FREE Daily CEO Money Moves Workbook HERE: https://bit.ly/dailyceomoneymoves Join our FREE Facebook Group: https://bit.ly/qwfbgroup Follow me on Instagram Follow me on YouTube Purchase my book: Unlocking The Quantum Woman
This week Zorba and Karl examine the new guidelines for TV drug ads recently rolled out by the FDA, and they discuss new research that found small amounts of vigorous physical exertion may halve major cardiovascular risks in women. Plus, they share a delicious recipe for Roasted parsnips and carrots.
Are you leveraging the power of protein and fiber to reach your fat loss goals? In today's episode, we're diving into part 5 of my 7-part series on shedding belly fat, where we'll explore why these two nutrients are essential for fat loss success. You'll learn exactly how much protein and fiber you need based on your body weight, body fat, and metabolism, and discover my favorite sources of each. By the end of this episode, you'll have a clear plan to maximize your nutrition and make these nutrients work for you.Before we dive in, if you're listening on the Apple Podcast App or Spotify, be sure to hit the follow button, and if you're watching on YouTube, be sure to hit like and subscribe!You're listening to The Best You Podcast, where we teach you the healthy habits you need to look and feel like your Best You.My name is Nick Carrier, and I'm a Body Optimization Coach and creator of The 10-Week Transformation. The 10-WT has helped over 800 people regain confidence in their bodies by making them leaner, stronger, and healthier than ever before.
China and Japan selling record amounts of Treasuries. Do they hate the dollar? Donald Trump? You and me? Not only will we answer the questions, while those countries saw huge selling of USTs, curiously the Cayman Islands got a truly massive deposit of them and it showed up during July, August and September. Seems very carry trade-y. Eurodollar University's Money & Macro Analysishttps://www.eurodollar.universityTwitter: https://twitter.com/JeffSnider_EDU
On today's Friday Q&A show we discuss: 1:01 How do I know how much liability insurance to buy? 8:26 Can my mom gift me money instead of paying me rent? 13:51 I'm interested in international privacy...what should I do first? 38:50 How do I decide my best pathway into becoming a financial advisor? To join me next week, go here: https://patreon.com/RadicalPersonalFinance Enjoy! Joshua