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It's incredibly orienting to discover that when we say “yes” to Jesus, we are now part of a great campaign—one that's already in motion—to help overthrow evil, restore the human heart, and fix God's universe. This wildly beautiful invitation, however, isn't secondary. It takes priority over our personal plans and priorities. As this series concludes, John, Blaine, and Allen reveal practices for staying grounded in the larger story, ways that God is at work in the world today, and how the unseen realm dramatically impacts our lives. Keywords: Christian, Podcast, Grounding, Spiritual Warfare_______________________________________________There is more.Got a question you want answered on the podcast? Ask us at Questions@WildatHeart.orgSupport the mission or find more on our website: WildAtHeart.org  or on our app.Apple: Wild At Heart AppAndroid: Wild At Heart AppWatch on YouTubeThe stock music used in the Wild at Heart podcast is titled “When Laid to Rest” by Patrick Rundblad and available here.More pauses available in the One Minute Pause app for Apple iOS and Android.Apple: One Minute Pause AppAndroid: One Minute Pause App

We continue through the Body Grief process with two deeply connected stages: Hopelessness and Hope, and how they eventually open the door to Body Trust. Free Juicebox Community (non Facebook) Type 1 Diabetes Pro Tips - THE PODCAST Eversense CGM Medtronic Diabetes Tandem Mobi ** Use code JUICEBOX to save 40% at Cozy Earth  CONTOUR NextGen smart meter and CONTOUR DIABETES app Dexcom G7 Go tubeless with Omnipod 5 or Omnipod DASH * Get your supplies from US MED  or call 888-721-1514 Touched By Type 1 Take the T1DExchange survey Apple Podcasts> Subscribe to the podcast today! The podcast is available on Spotify, Google Play, iHeartRadio, Radio Public, Amazon Music and all Android devices The Juicebox Podcast is a free show, but if you'd like to support the podcast directly, you can make a gift here or buy me a coffee. Thank you! *The Pod has an IP28 rating for up to 25 feet for 60 minutes. The Omnipod 5 Controller is not waterproof.  ** t:slim X2 or Tandem Mobi w/ Control-IQ+ technology (7.9 or newer). RX ONLY. Indicated for patients with type 1 diabetes, 2 years and older. BOXED WARNING:Control-IQ+ technology should not be used by people under age 2, or who use less than 5 units of insulin/day, or who weigh less than 20 lbs. Safety info: tandemdiabetes.com/safetyinfo Disclaimer - Nothing you hear on the Juicebox Podcast or read on Arden's Day is intended as medical advice. You should always consult a physician before making changes to your health plan.  If the podcast has helped you to live better with type 1 please tell someone else how to find it!  

Keith digs into what's really going on with apartments now that values in many markets have dropped 20–40%. You'll hear why larger multifamily properties have been hit so much harder than one-to-four unit rentals, and what that means for both current owners and new buyers. "The Apartment King," Brad Sumrok, joins the conversation to share how recent economic shifts, financing structures, and market forces have reshaped the apartment landscape—and why he believes we may be near a key turning point in the cycle. You'll also learn how investors are approaching deals differently today, what makes certain markets and property types more attractive right now.  Resources: Learn more about Brad here. Episode Page: GetRichEducation.com/594 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 us. Apartment Building values have fallen 2030, even, 40% over the past few years. Investors lost millions. What are all the reasons that it happened? And when will apartments turn around? I'm joined by the apartment king today on get rich education.   Corey Coates  0:26   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 of 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki. Get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast or visit get rich education.com   Keith Weinhold  1:09   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President chailey Ridge personally while it's on your mind, start at Ridge lending group.com that's Ridge lending group.com you   Corey Coates  1:40   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  1:59   Welcome to GRE from Monterrey, California to Monterrey, Mexico and across 188 nations worldwide. America's favorite shaved mammal on a microphone has got his slack. John, act back on track for another wealth building week with you. I'm Keith Weinhold. This is get rich education, and I'm still not wearing a pair of Dockers. We all know that the one to four unit space single family homes, up to four plexes have held under their values despite soured affordability, but five plus unit apartment buildings are a drastically different story. We're going to talk about just how much value they've lost recently, and the reasons why it's about more than just the interest rates doubling and tripling that began in 2022 Today's guest is an apartment educator. His students have had both losses and wins over time. I'll ask about both, because adversity is where you get the lessons now today, you might buy an apartment building at a steep discount compared to what it sold for five years ago. And who might you buy an apartment from today, it might not be the type of seller that you're thinking about because of owners defaulting you might now be buying it from a bank that had to basically repossess it. Yeah, you might try to buy it from a lender at 60% of the loan amount. Well, a lender doesn't want to do a 40% write down, so they're going to try to get more and see. That's how this could practically look today for an apartment owner that survived the crisis and is still standing today. They're asking themselves, now, why would I sell at a discount if I don't have to? So they're probably going to try to hold on. And then, of course, the tenants in these apartments don't know that any of this is going on now. I own a lot of single family rental homes myself, also apartment buildings in the one to one and a half million dollar range is where I've played, and often that ends up being eight to 12 units, because in that space, I don't need partners to invest in assets of that size. One to $2 million is also small enough so that you're not competing with institutional money and other players. Today, I'll tell you what I did with some of those buildings myself when interest rates reset about four years ago, and before you and I wrap up the show today, I've got something to tell you about what's coming in future. GRE episodes here stuff that's really unexpected as the apartment King waits in the wings. One last thing to tell you about, like I mentioned to you recently, investors say that they want an opportunity, but what they really want is certainty. Once certainty arrives, the opportunity. Is gone.    Keith Weinhold  5:01   Our GRE live event last Thursday was a success. It is about how central Florida is the most compelling housing market right now, with the builder offering rate buy downs as low as 3.75% and, you know, I just ran the numbers on something, and I can hardly believe this. All right, right. Now owner occupied mortgage rates are near 6% this means investment property rates are almost 7% with the rate by down to 4% here's how your cash flow looks with a 30 year fixed rate mortgage on a 300k loan with a 7% rate, your p and i payment is 1996 at a 4% rate. It's just 1432, this is a reduction of $564 per month, a whopping payment difference. That's really the difference between treading water and stacking cash flow on these brand new build properties that we're talking about here in Central Florida. So talking about opportunity and certainty, that is a big measure of both. Yeah, before I ran the numbers, I didn't realize that the spread was this wide. With high demand for these properties, the builder does have some more available, a long term fixed rate of around 4% it should be up for you now you can see the limited time replay of GRE, freshest live event at grewebinars.com, in case you want to look into This again, grewebinars.com let's discuss the apartment market. Foreign apartment building values have fallen at 20% 30% even 40% over the past few years, depending on the market that they're in today, we're going to learn how bad it is, why it happened, and if that actually creates an opportunity here in the late 2020s, decade, our guest is known as the apartment king. He is the number one nationally known educator and mentor for apartment investing. He started with a bang in 2002 by making his first ever real estate investment, not a four Plex like I did, but a 32 unit apartment building, and he's now owned and invested in over 11,000 units and over 1 billion in assets under management. He's received awards like the naa independent owner of the year, and he's the star of the massively popular in person events that he puts on, which you'll learn about soon. Hey, it's been several years. Welcome back to the show. Brad sumrock,   Brad Sumrok  7:46   hey, Keith. It's really good to be on again. Nice to be here.   Keith Weinhold  7:50   Brad and I were together in person last month, and we also talked physical fitness. Then Brad is one of the fittest guys you'll ever meet in person. He just looks fantastic. We want to hear about your apartment forecast shortly. Brad, let's talk about the hard stuff. First, you've endured adversity since we last had you here several years ago. Tell us about that.   Brad Sumrok  8:14    Well, look, I mean, I think anyone that's been serious about investing in apartments over the last five years. And I'll also say it this way, anyone who did a deal and say 21 the middle of 21 till probably the end of 2022 it's very likely that that property is worth less today than than it was when we bought it. So that, in itself, has created, you know, adversity, because I got into the business in 2002 and the market went up until 2008 and we went through a downturn in 2008 nine and 10, as is, I'm sure you're aware. And then the market went up again until around 2021, mid year. And then, due to so many reasons, and I could go into those reasons, but let me just just cut to the chase. That you alluded to is we had another downturn, and so the downturn, you know, impacts property values, it impacts confidence, it impacts investor appetite to do deals. It impacts just about everything related to the business, on the investment side, and the other business that I'm in, which is the seminars, the events and the mentoring. So it's been a big downturn, and we could go into those, you know, into the reasons why, and I'm sure you'd like to know my take on that. But now is a great time, because things are recovering, and one of the things Tony Robbins teaches Keith is pattern recognition. It's like I've been through two downturns, and I could see the patterns, and it occurs to me that we're at or near the bottom of a cycle. So like it's also a good time to be gearing up.   Keith Weinhold  9:50   Now, many realize but for those uninitiated on this, the one to four unit space really didn't feel much pain starting in 2022 so much of that is time. Two people get long term fixed interest rate debt on the one to four unit property, but it's shorter term debt on five plus unit apartment buildings. So when interest rates went up, people soon had to pay those higher rates. They were underwater. That's really the genesis of so much of the apartment building pain.   Brad Sumrok  10:19   Well, and I would say, look, it was, I'm going to throw a bunch of things at you here. So we had the pandemic, right? And during the pandemic, people got paid to stay home from work, right? The government printed, what, $5 trillion worth of money, right? And so that kicked off what became a period of, like, very high inflation. And you know, the published number was 9% but I think a lot of people experience certain items that were a lot more than 9% like, for example, for sure, in 2022 when we bought a 286 unit property, you know, we were able to replace all the appliances inside of a unit in The kitchen, you know, for $1,800 and even today it's like $3,200 so that's a little bit more than 9% and so we had that. So we had the printing of money, we had inflation, we had variable rate debt. Why did people do variable rate debt? The first thing I'll say is there is a place for variable rate debt. But what happened in 2021 and 2022 is the fixed rate lenders, which are typically the government sponsored agencies Fannie and Freddie. They were still lending money, but because of their criteria for lending, if you would go with one of those loans, you would get like 50% leverage the shorter term lenders that would give you the three year loans, you can still get like 75 to 80% leverage. So the vast amount of people that were buying anything in 2021 and 2022 I mean, I'm not just talking about myself. I'm talking about people with 2030, 4050, 70,000 doors all over the country, they were buying with short term debt. And historically, short term debt performs at or better than long term debt. I mean, think about it, when you get a long term, 10 year fixed rate loan and multifamily you have prepayment penalties. You know, when the market's constantly going up like it did, from 2012 to 2022 you could get that fixed term loan. You could pay it off early, you could pay the seven figure prepayment penalty, and you could still make lots and lots of money, and that's what people were doing. So when you bake in the prepayment penalties on long term debt, you know short term debt is oftentimes the better option. Well, nobody saw the Fed raising rate 16 times in 12 months. And look, I don't care what anybody says, Nobody predicted it. If they had predicted it, they would be probably the richest person in the world right now, right nobody saw a comment like, there may have been some people that said, hey, yeah, this is going to happen, or this is going to happen. But what actually happened with the Fed rates over a very short period of time was unprecedented. Unprecedented means it never happened before. So it's not something you could anticipate or something anyone can model. Okay? And so what that did is most of us had what's called an interest rate cap, which is an insurance policy that if the rates go up too much, that yours is capped. But the problem with those rate caps is they're only good for like, two years, right? So we're buying these deals in 2021 and we're getting short term debt, which is a three year debt. And in two years, in 2023 the rate cap expires, and now the rates are 9% instead of 3% and when we bought the deal, the rate cap insurance was $40,000 and now it's a million dollars. And so you're in a very awkward, unfriendly financial situation. And it wasn't just that. So it wasn't just inflation, it wasn't just interest rates. And many of us sung belt markets, specifically Texas and Florida, which historically have been some of the best markets to invest in, because of migration and no taxes, and then landlord and business friendly environments. Well, these states also suffered a lot of named storms, with, you know, hurricanes and wind storms and hail storms and so in these markets, at the same time, we had rising rates. At the same time, we had massive inflation. Now we also have insurance rates doubling or even tripling in some occasions. And then the final thing was, during the pandemic, a lot of the multifamily projects that were in the middle of being built, these development projects, they all slowed down. People couldn't work. And so back in 2020, or after we're fully recovered from the pandemic, some of these markets, like Nashville and Austin and Dallas and Houston and Phoenix, they got deluged Keith with new supply coming on, like a disproportionate amount of new supply. So there's like five. Five things that contributed to multifamily being really tough in the last few years. And so it wasn't just people with short term debt that had challenges. It was probably just about anybody that bought a deal within an 18 month timeframe that I outlined before that just really experienced challenges, and some of those people are still in deals, right? And so let's just take a deal that's, you know, a $10 million deal with a $7 million loan. Well, that deal right now might be only worth 7 million, yeah, and that's the opportunity. So the owner that has that deal may get punched in the face, so to speak, you know, by the market, and they may lose their equity in that deal, but the borrower coming in, or the buyer coming in, like one of my mentees right now, had a deal that was listed at 11 million, and he's picking it up for seven, which is, like, at or below the current loan value. So one buyer group's loss is the new buyer group's opportunity, if that makes sense   Keith Weinhold  16:03    right? 100% there's nothing unusual at all about the mortgage rate levels that began to go higher about four years ago. The unusual part, and Brad has touched on it, is the rate of increase, with mortgage rates doubling or tripling in a short period of time, within about a year or so, but yeah, it's a great point. It's about more than the mortgage rates. It's about increasing insurance costs and increasing expenses of all types, like you talked about with the appliances there, and then, even if you were able to weather all that as an apartment building owner, with all of the supply coming on to the market, when supply exceeds demand, we know what happens to price, and we also know that you can't raise rents very much with all of this supply coming on the market, but the supply of new apartment buildings, that inflow, that wave, is beginning to die down, because builders got the memo quite a while ago that they need to stop building at such a fast pace in places like Florida and Texas and you know, Brad, there are a lot of asset classes that have been beaten up lately. We can always point to a few. You can look at Bitcoin or nfts or even commercial office space. Now those assets might bounce back, but they don't have to, because no human needs those things. But I expect apartments to bounce back because having a place to live is a primordial Maslow and human need. It's almost inevitable. In fact, shelter is at the base of Maslow's hierarchy of needs. So a bounce back has almost got to happen. Yeah.   Brad Sumrok  17:46   Look, it's becoming the big word right now in politics. Right is affordability. And so when you look at affordability, if you take a median priced home in this country of say, $400,000 I don't know if that's the actual median, but maybe it's around 400 420,000 100, $420,000 yes, to buy that home. And who's going to buy a $420,000 home? It's going to be a working class family making 60 to 70,000 a year, right? They could rent a median priced apartment unit for $1,800 a month, or they could pay a 20% or a 10% down payment on a $400,000 homes, and they need 40 to 80,000 down right, or maybe less, but they still need a down payment and that p i, t i, the principal, interest, tax and insurance is going to be around $3,100 okay, so there's a $1,300 per month gap, and that's a big, big gap for that working class family. And so where are they going to live? Like we're becoming more and more of a renter nation? Keith, and the statistics that I read say that only 27% of American families can even qualify to get a mortgage, yeah, on a $400,000 home. So we're becoming more and more and more of a nation of renters by necessity. And so the demographics like look, all markets are not equal. You got to know what's going on in your market. But there are markets, ie locations, geographies that have even a higher affordability gap. You know, some markets have a 2000 a month or a $2,500 a month affordability gap. So you're going to find more and more people renting in these markets.   Keith Weinhold  19:37   Yes, there is a premium to ownership opening up that gap, and that's why we have this wave of renters that's really already begun. In about the last year, the American homeownership rate has fallen from 66% to 65% 1% doesn't sound like much, but that already means that we have 1.3 million new renters. We're going to talk to Brad some more, including about. His apartment market forecast you're listening to get rich education. Our guest is apartment King. Brad sumrock, more when we come back, I'm your host. Keith Weinhold,    Keith Weinhold  20:09   flock homes helps you retire from real estate and landlording, whether it's one problem property or your whole portfolio through a 721 exchange, deferring your capital gains tax and depreciation recapture. It's a strategy long used by the ultra wealthy. Now Mom and Pop landlords can 721, the residential real estate request your initial valuation, see if your properties qualify@flockhomes.com slash GRE. That's f, l, O, C, K, homes.com/gre,   Keith Weinhold  20:45   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 send a text. Now it's 1-937-795-8989, yep. Text their freedom. Coach, directly. Again. 1-937-795-8989,   Hal Elrod  21:58   this is Hal Elrod, author of The Miracle Morning, and listen to get rich education with Keith Weinhold, and don't quit your Daydream.   Keith Weinhold  22:13   Welcome back to get rich Education. I'm your host, Keith Weinhold. We're talking about a sector we have not talked about very much lately because it's been in rather moribund condition, but we are beginning to turn the corner where there are more opportunities in apartment building investing, because it's been beaten down an awful lot. And Brad, that plays right in to your apartment forecast. So tell us about some of the highlights of your apartment forecast.   Brad Sumrok  22:38   Yeah, sure. And one of the things that I want to share with you, Keith, is that, you know, back in the peak of the market, the market peaked, say, at the end of 21 early 22 there were so many investors that were in multifamily or that wanted to be in multifamily. And the other thing that caused this so called, you know, downturn that I didn't mention before is, let's take this $10 million deal. If a property was listed at $10 million you'd literally have 30 to 40 buyer groups pursuing that deal, bidding up the price. Yeah. And so a $10 million Listing would sell for 11 and a half million Okay, now what I'm seeing is that same $10 million deal might sell for a seven to 8 million and you might be the only buyer going after the deal. Wow. And how do I know? Because you said, like, I run a an investor community and and I have active multifamily buyers, and I coach them, and I look at their deals, and this is what's happening. And the other reason I know is I sold two of my deals personally in 2025 and both of the deals that I sold, I bought in 2015 where we had 10 year fixed rate debt. So we didn't sell because we had a three year loan. We needed to sell because we had a 10 year loan due. And look, first thing I'll say is I made money, because over that 10 year period, values did go up. They peaked in 2022 and they came back down that because I bought it so long ago. That's the one lesson that I think people also want to understand, is over the long term, the values always tend to go up, but there are short term ups and downs that one would need to be aware of. But when I sold these two deals like I didn't have many buyers one deal in particular. I mean, I had eight buyers going after the deal, but only one was anywhere close to what I wanted. So I was negotiating with myself, you know, telling the buyer and his broker, hey, you know the other guys are here, and you got to come up on price and you got to come up on terms. But truthfully, I was bluffing, because I didn't have anybody that was coming up on price or coming up on terms. And so part of why I'm answering this way is when you look at the forecast, one thing that that I want people to know is that those. Of us that are in the business now and that have our pencils up, and we're underwriting deals, and we're making offers, like I used to teach Keith, don't make lowball offers, because you'll develop a reputation of being that guy or that borrower or that buyer that submits lowball offers, right? And word will get around in that market? Well, right now, like low ball offers are expected, and I would encourage people, let's just say you make an offer that whatever the deal pencils out to. So if you know how to underwrite deals correctly, and they're offering 10 million as a listing price, and you're coming up at seven or 7.5 don't be bashful to make the offer, and you may be the only buyer in the game. So that's one thing is like the competition that I'm seeing right now on the buyer side is not a lot of competition, and that's definitely shifted to a buyer's market. So people need to know that. The other thing I would say, on the macro level, is there's still a lot of uncertainty out there, and the uncertainty is kind of becoming like what I would call a new normal. You know? I'll speak for myself. When Trump was elected and at the end of 2024 I thought it was going to be amazingly well for all of us real estate investors, right? And there are some things that have been like the big, beautiful bill that restores 100% bonus depreciation like this is a really good thing, but you know, the tariffs, the immigration policies, some of the things that he's doing, you know, they have mixed impact for us and our in the economy and in real estate and in multifamily. And the thing is, when he first started doing that again, like lenders, they didn't know how to price debt, like, what's going to happen with tariffs, what's going to happen with ice what's going to happen with immigration, you know? But now that we're a year in to his second term, I can tell you a couple things. Debt is back. Lenders are lending. They're confident. Lenders are issuing debt like you can get 70 to 75% of your acquisition funded by a commercial lender. The government agencies are lending. Freddie Mac is lending. Fannie Mae is lending, and they have a mandate to lend 20% more money in 2026 than they did in 2025 so that bodes well for people that want to get, you know, affordable workforce housing, which is my specialty, also known as Class B and Class C housing. So the lenders are lending like, there's a lot of debt out there. One of the challenges is the equity. There's a lot of institutional equity. But if you're going to the retail investor who got into the business three to five years ago. They don't want to hear about your next deal right now, they're wondering about, hey, what about the deals that I'm in? Right? So one of the things that I'm doing, Keith is, and I think, you know, this is like, you know, I build up a huge investor community from 2012 to 2022 and I did it by traveling the country, speaking at conferences, sponsoring trade shows, talking about the benefits of investing in apartment buildings, how it changed my life, how it enabled me to retire from a six figure income in just three years, and how I've helped many, many other people Do the same, and also just sharing experience today, every asset class, every 10 to 15 years is going to go through a correction. And so where we're at now. And I wasn't the only one on the forecast. I brought in John Chang who is the senior intelligence officer at Marcus and millichep, one of the biggest commercial real estate firms in the country, and he presented about 20 or 30 slides that by and large were very bullish on where we're at in the market cycle. Why now is a great time to be looking at apartment buildings, a lot of the same things that I've been talking about. Prices are down. It's a buyer's market. We have a huge affordability issue. More and more people are becoming renters, and so what I'm committed to do, Keith and I don't know if I shared with you my travel schedule, like when we met each other last month, but I'm on the road every single week going to another city, talking about where I see us right now in the market, and why people should be looking at deals and making offers right now. Because to me, you know, Warren Buffett said it best. He's like, you want to be fearful when everybody else is being greedy, and you want to be greedy when everybody's being fearful. And right now, people are on the sidelines. They're waiting for some green light, like for the Wall Street Journal to come out and say, Hey, now's a good time, you know? I mean, look, Trump, just the point of the new Fed chair, right? And so we know interest rates are going to go down like that's one of his goals, and the guy that he appointed is going to lower rates. So we're looking at a future, a very near future, where we have lower rates, and lower rates is going to create more demand, again, for people that want to buy. I invest in apartments now, look, if you wait another year, I still think it's going to be a good time, but I think we have a better time right now.   Keith Weinhold  30:10   I sold one apartment building in 2022 for about $1 million and I sold another one of my apartment buildings in 2023 for about $1 million I had bought those in 2013 with 10 year balloon loans, so I was enjoying that nice fixed rate as late and as long as I could, until 2022, nine years and 2023, 10 years before the rate went up on me. But of course, my new buyer had to pay that rate, so it limited the amount that they could offer for it. However, to your point about investing for a long time horizon, I still had profits on those nine and 10 year holds, but yeah, to your point, Brad about the looser lending, this is huge. I read a summary of the latest national Multifamily Housing Council meeting, and one of the biggest takeaways that came out of that meeting is that there is abundant debt available. It's in increasingly attractive terms. And a lot of people think about mortgages, and they just think about the rates, and you should that's certainly important, but they don't think as much about the propensity for others to lend. How loose, or how tight are those standards? They're loose, yeah.   Brad Sumrok  31:25   And, I mean, look, the first deal I did in 2002 the interest rate was 6.35% the rates right now are less than that, you know, as of the date of this recording. So, you know, I always talk about a base case of a $10 million deal. It may seem large to you or to people listening, but like in my world of syndication, where we're not just looking at the real estate piece, but learning how to raise money to buy real estate so we could have a bigger property that's professionally managed and become a true business owner like Robert Kiyosaki talks about, do you want to be self employed? I tell my students, buy a six Plex. Do you want to own an apartment business by 60 units and hire a management company? So when I'm talking about this $10 million deal, you know, you can get a $7 million loan right now for probably in the mid 5% and it would be non recourse, and you could probably get three years of interest only, meaning for the first three years, you're going to have a higher cash flow. So like, this is a really good loan compared to 2021 when we could get 3% debt. It's not but remember that 3% loan was a short term loan. You know, it wasn't a 10 year fixed rate loan, it was a short term loan, and we all saw what happened with that when they raised rates so many times in such a short period. So the fixed rate debt is very competitive based on, like, the long term, 20 year average, and it's lower than it was when I started.   Keith Weinhold  32:55   Well, we've been talking about elements of your apartment market forecast, and of course, that's going to inform your Buy Box. Brad, you mentor students constantly and oftentimes we think about a Buy Box. We think about then in terms of geographic market, but as we look for an opportunity, we also might think about some other things in your Buy Box, for example, new build versus vintage build. So with all of this traveling you do, and you're in the markets, and you're informing students, and you're looking at students prospective deals as well. But tell us more about what a good buy box is for the near term in apartment buildings.   Brad Sumrok  33:36   Yeah. So look like what is in the buy box, right? So one is going to be your location. And so, you know, how do I select a good location? Just some tips and strategies around that is, I look for landlord and business friendly environments. In other words, if the tenant doesn't pay, do they get to stay or not, you know, so I like to be in market so that they don't pay, that we could legally, you know, not have them consume our product for a long period of time. So I also look at things like job growth and population growth, affordability gap. New supply is a percentage of inventory, you know, the new supply coming online in a diversified economy. So, like, you want to get your geographies nailed down. Like, where you buy matters, like, there's no substitute to I would rather pay more for a property in a location that meets that criteria than less for a property that doesn't. Yeah. So geography is important. You want to pick your property size, like, how many units, or what's the price point. Okay? And this is huge, because if you're gonna buy your own deal with your own money, which is another reason I prefer syndication. Let's say you have pick a number, 100,000 to invest. Like you can only buy a $300,000 property, two units somewhere, three units somewhere, you know. Or zero units somewhere, right, right? So if you have expanded your you know, your mind and your skill set to do a syndication 100,000 doesn't limit you to your own money, you know. And then I would say, Well, what is a great size for a first time syndicator is I would target somewhere around 60 to 80 units, and at 100,000 a unit, which is a ballpark price for maybe a nice B class property or high C Class property, and a market that meets the criteria that I outlined earlier. You know, you're looking at, say, a six to $8 million property. And so what you could do from there, Keith is, you could say, Okay, well, you know, this is why, like in my educational course, I use a $10 million property, because the numbers are easy. But even just say, Well, I'm going to do an $8 million property, you'd say, Okay, I need two to 3 million down, depending on the debt, right? And then I'm going to get a the balance in a loan, you know, because you could get a 70 to 75% loan. So then you ask, Well, where am I going to get to 2 million, right? If I have 100 I need $1.9 million and so then you got to start thinking about like, do I have access to people or work or in the neighborhood or at the community or at the church, you know, or do I go to masterminds and conferences and meetup groups like, where I saw you Keith last month, like, there's a lot of investors there with a lot of money, right? And some of them are looking to be passive investors. And so, you know, there's a whole nother conversation around, you know, raising capital. And if you can't raise capital, then you may want to bring in some people on your GP team that could help you raise capital, as long as you're following, like the SEC compliance and again, that's another discussion. That's the importance of having the buy box so you have your geography, your property size, your property class. You know, again, if you just want the new construction stuff. There's some people out there, like big name, famous people, that are highlighting their 800 unit a class deals that they're buying. And of course, like you or I that are just getting started, can't go buy that deal. And so why? You know the institutions are going after the large A class properties in the best areas. And so where I've made my niche Keith, and what I would recommend most people start is start with the older vintage properties, start with the 1970s properties, and then maybe work your way up to the 1980s and 1990s properties. And why is this is because the institutions don't want those properties, and they're still able to be professionally managed. Like, if you go and buy 100 unit C Class property, as long as it's not in a bad neighborhood with, like, high crime or whatever like that. Like, these are very honest, hard working, working class people that need a clean, safe and functional place to live, and you'll be able to get better returns on a C or A B class, also known as like the cap rate. And again, that's another discussion, but you'll be able to get a better return on an older vintage property than you would on a vintage property. And you're not competing with the institutions, but you're also not competing with the mom and pops, because the mom and pops are going to take that 100,000 they have and go buy a duplex. You know, they're not going to want to syndicate a deal. They're not going to want to have partners. They're not going to want to deal with the so called complexities of buying a company. And that's what buying an apartment community is, Keith, it's buying a company. You're buying a business that has an income stream already being generated those customers, they're called residents. They're called tenants, you know, but if you just go upstream from buying real estate or buying an apartment building, we're buying a cash flow producing business that's existing, that's in place, and then our job is to figure out how to run it better and more efficiently. You the   Keith Weinhold  39:04   You the listener, you might have access to, say, 500k in equity that's sitting in your existing properties. And some of these numbers that Brad and I are throwing around are rather large, $10 billion but one of the biggest epiphanies that I think your students have is that doesn't need to be much of your own money. We're talking about what's called the capital stack to take down a $10 million apartment building. Maybe you borrow seven and a half million of that. Maybe you raise 2 million of that from your other investors in the syndication, and then you put your 500k into the deal, and there you have $10 million in order to make that purchase. But yes, that does involve a learning curve and the SEC rules and all that. But the big takeaway here is you don't need much of your own money. You can leverage other people's money, even for the down payment. And Brad, you're also an expert at showing people how to pay almost. Zero tax, which is another discussion unto itself, but some of your students start with zero experience, and within a few short years, I mean, you've had hundreds of people that have either retired early or increased their net worth by over a million dollars. A lot of success stories,   Brad Sumrok  40:17   yeah, look, I mean, I started with no previous real estate investing experience. My experience was going to college, studying hard, getting decent grades, becoming an engineer, you know, being fired once, being laid off once, and reading Robert Kiyosaki books that motivated me to to go out and seek specialized education. And I think it was Jim Rohn that said formal education, like degree could get you a job, and specialized education like you can get in a conference or a mastermind or a mentorship program. And that's also how I started. I went to a weekend workshop back in 2001 and I bought the mentorship program. And boy, I'm glad I did, because, you know, that's how I got into my first 62 units. So you don't need to have experience. What you need to have is a powerful reason, a powerful why? Why do I want to be financially free? Like apartments is just a vehicle. I didn't choose apartments because I love departments. I choose departments because they cash flow, they go up in value, and you have amazing depreciation benefits.   Keith Weinhold  41:23   Yeah, I'm the same. I don't love apartments in a way. I don't love real estate. I love what these things do for me    Brad Sumrok  41:30   exactly. Yeah? So, like, you don't have to have experience. In the other category, of people that have come into my community that don't have apartment experience, a lot of them have real estate experience, Keith, that are doing, like, single family homes, short term rentals, or maybe smaller, multi unit deals. And they listen to a show like this, and they're like, huh, I want to transition from doing these smaller types of assets with my own money and self managing to scaling into a syndication.   Keith Weinhold  42:03   Brad has taken countless people from get rich education to got rich education. His core values are faith, finance, fitness, family and fulfillment. He is committed to helping people experience not just financial success, but personal fulfillment, purpose, contribution, freedom and Brad and his investor community have contributed over $1 million to charity. Is really the person you want to learn from if you want to think about going bigger with multifamily apartment buildings. This has been great, Brad. Let our audience know how they can connect with you and learn more?   Brad Sumrok  42:42   Yeah, sure. So I would say this is where I should just be very clear here, okay, but I'm gonna give a couple options, because that's what I'm so of course, there's a website which is my first and last name.com, B, R, A, D, S, U, M, R, O, k, for those of you on social media, I respond to my own social so you'll find me again. B, R, A, D, S, U, M, R, O, K, on LinkedIn, Instagram and Facebook.   Keith Weinhold  43:13   Brad, it's been so valuable. It seems like American apartment buildings are in for redemption story here. It's been great having you back on the show.   Keith Weinhold  43:29   Brad and I both emphasize physical fitness, and we chatted about that a good bit when we were together last month. I think he looks better than me. To summarize, the reasons for this historic collapse in apartment building values. It was the combination of soaring interest rates, massive inflation, spiking insurance costs, construction soared, and it created an oversupply, and that oversupply still is not absorbed. In fact, according to the outlet apartment list, the National multifamily vacancy rate recently hit 7.2% that's the highest in the history of the index, which dates back to 2017 and that's chiefly due to apartment oversupply. Have apartments really hit the bottom? Brad just said, we're at or near the bottom, and it's a good time to be gearing up as far as what's coming. To give you an idea of new apartment supply, what takes about two years from construction start to completion. And now you can't just have all US apartment construction come to a complete stop. You have to keep people working. And there are almost 400 MSAs in the United States, so you couldn't coordinate a complete ceasing of construction across every area. So how about the level of new construction starts in apartment units today, and the way that HUD counts it is the number of units started in buildings of five plus units the recent peak. Was about 600,000 annually in 2023 and today it's closer to 400,000 there it is that slowing pace of new apartment construction. If you jump into multifam, be careful of properties with deferred maintenance, because understand that you have a lot of underfunded owners Now Brad can tell you specifically what to look out for his rat race to retirement event is March 28 and 29th in Dallas. It's a two day hands on workshop. You'll learn how to find apartment deals, how to underwrite deals, how to raise capital management and your exit. Discover how you can retire in five years or less by owning apartments again. His website is Brad sumrock.com    Keith Weinhold  45:49   coming up on future episodes here on the get rich education podcast. We're about to go on a run. The next stretch of GRE is loaded. We've got fresh topics with some game changing monolog content that I'm going to share with you new guests, distinguished experts, we're going to break down an innovative way to sell properties that could completely change how you think about your exit strategy of the 50 US states. I'm going to discuss some awful states to invest in, including ones with population loss. On another episode, a distinguished subject matter expert and I are going to dive deep on does America really have a housing shortage, not in apartments which are oversupplied, but is there a shortage in the one to four unit space? That's our topic, because you probably heard contradictory information in the media about whether there's a shortage or not, and then some outlets say there's a housing shortage of 2 million units. Others, 10 million. They're all over the place. We're going to sort it out on an upcoming episode. Does America really have a housing shortage? Then the youngest guest to ever appear on the show will be with us. He's a 19 year old college student that has a real estate investing related major, and since last year, he and I have befriended each other. He was born in about 2006 so it'll be interesting to see how he views the investing world and what they teach him about real estate investing in college today, he is probably the most impressive teenager that I've ever met in my life. Then six weeks from now, we will have an epic get rich education podcast episode 600 on a subject as paradoxical and complete with a GRE contrarianism That builds real wealth, debt is the American dream will be episode 600 if you're serious about building wealth, be sure to follow or subscribe to the show. We are going on a run. If you know someone in your life who needs to think differently. If you know one investor who's still waiting for perfect conditions. This will help them tap the Share button and tell them about the show until next week. I'm your host. Keith Weinhold, don't quit your daydream.   Unknown Speaker  48:14   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  48:42   The preceding program was brought to you by your home for wealth, building, get richeducation.com  

NFL free agency is about to heat up and our Seattle Seahawks have some big looming decisions. Super Bowl MVP Kenneth Walker is one of those big decisions. We discuss four reasons it makes sense in this offseason to pay K9 and keep him in Seattle. But, what's the right contract value? Are there other free agents who might be a surprising bargain? Just how much will our 2022 second-round pick get on the open market? Lastly, would we feel comfortable spending another 2nd round pick on a RB in the draft? Support the show Get in the Flock! Visit GetInTheFlock.com Or visit our website for other ways to support the show Subscribe via: Apple Podcasts | Spotify | Google Podcasts | YouTube | TuneIn | RSS Follow us on: Facebook | Twitter Listen on our free app for Android, iOS, Kindle or Windows Phone/PC Call or text: 253-235-9041 Find Sea Hawkers clubs around the world at SeaHawkers.org Music from the show by The 12 Train, download each track at ReverbNation  

Episode 271In this podcast, New York Times best-selling author and astrologer Chani Nicholas discusses the astrology of the week and what it might mean for us all.The astrology of the week of February 23rd, 2026, asks us to save our receipts and buckle our seatbelts. Mercury (the planet of communication) stations retrograde in Pisces, muddling our messages and calling us to double check the details. The Sun meets up with the North Node, reminding us that the chaos of eclipse season isn't over yet. And Mars (the warrior planet) faces off with Uranus (the disruptor), underscoring our collective uncertainty. Now's the time to expect the unexpected — and re-read the fine print, just in case. This episode covers:Venus' trine with Jupiter on Sunday, February 22ndThe beginning of Mercury's retrograde in Pisces on Wednesday, February 25thThe Sun's conjunction with the North Node on Friday, February 27thMars' square with Uranus on Friday, February 27thMercury Rx's conjunction with Venus on Friday, February 27thThe lunar eclipse in Virgo on Tuesday, March 3rdThis episode was recorded on 01/13/2025.For more, check out your free daily horoscope on the homepage of the CHANI app — now on iOS and Android.Feeling overwhelmed by eclipse season, Mercury retrograde, and the rest of this month's astro mess? We've got just the thing: 30 days of free CHANI premium. To unlock all the tools and resources you need to face this month's turbulent astro-weather, all you have to do is enter SUPPORT30 in the “redeem offer code” section of the app to upgrade. (Valid for new and expired users. Terms and conditions apply.)Want to know what Chani's reading beyond the astro? Join her book club, The Next Chapter, to explore her favorite titles and build community around books that reckon with and reimagine the world we're living in.The music featured in the podcast was created by Latashá.

ILP# 435 2/22/2026https://lordsofgaming.net/LORDS AFTER DARK on Insider Game App! ANDROID: https://play.google.com/store/apps/details?id=com.insidergaming.appIOS: https://apps.apple.com/us/app/insider-gaming/id67539846481) ADVANCEDGG Use Code "IRONLORD" for 10% off https://advanced.gg/pages/partner-ironlords?_pos=12) VALARI PILLOW Use Code "ILP15" valari.gg/?ref=ironlordspodcastroundtable3)  ILP MERCH: https://ironlordspodcast-shop.fourthwall.com/collections/allsofgaming.net/4) NZXT & IRON LORDS PC Use Affiliate LINK: https://nzxt.co/Lords5) HAWORTH Gaming Chairs & ILP Use Affiliate LINK: https://haworth.pxf.io/4PKj7M*********************************************************00:00 - ILP#435 Pre-Show18:54 - ILP#435 Show Start24:15 - ILP Panel Intros (First Stream ends at 01:04:08)01:04:09 - 2nd Stream Resumes01:15:00 - Phil Spencer Retires & Discussing His Legacy01:32:39 - Parris Lilly Joins The Realm01:38:57 - Kidsmoove Joins The Realm01:42:52 - Tesla Tidbits Joins The Realm01:48:33 - Lord Cognito Talks Phil's Xbox Legacy02:03:06 - Sarah Bond Resigns & Path Blocked?02:13:28 - Destin Legarie Joins The Realm02:31:22 - Jez Corden Joins The Realm02:40:12 - Asha Sharma & Matt Booty Xbox Regime02:54:25 - King David Thoughts On Phil & Asha Regime change3:19:09 - Jez Thoughts On Xbox Community 03:23:27 - Future Of Xbox Thoughts03:45:26 - ILP Future Without Phil & Sarah LOL04:14:33 - Lord Cognito New Xbox Regime Concerns04:46:43 - Blupoint Games Shut Down By Sony05:16:36- ILP#435 Outro*********************************************************Welcome to The Iron Lords Podcast!Be sure to visit www.LordsOfGaming.net for all your gaming news!ILP Spotify: open.spotify.com/show/6XRMnu8Tf1fgIdGlTIpzsKILP Google Play:play.google.com/music/m/Iz2esvyqe…ron_Lords_PodcastILP SoundCloud: @user-780168349ILP Itunes: itunes.apple.com/us/podcast/iron-…uiR-IgF6cE9EQicIILP on Twitter: twitter.cm/IronLordPodcastILP on Instagram: www.instagram.com/ironlordspodcast/ILP DESTINY CLAN:www.bungie.net/en/Clan/Detail/178626The Iron Lords and the Lords of Gaming have an official group on Facebook! Join the Lords at:www.facebook.com/groups/194793427842267www.facebook.com/groups/lordsofgamingnetwork/Lord COGNITO--- twitter.com/LordCognitoLord KING--- twitter.com/kingdavidotwLord ADDICT--- twitter.com/LordAddictILPLord SOVEREIGN--- twitter.com/LordSovILPLord GAMING FORTE---twitter.com/Gaming_ForteILP YouTube Channel for ILP, Addict Show & all ILP related content: www.youtube.com/channel/UCYiUhEbYWiuwRuWXzKZMBxQXbox Frontline with King David: www.youtube.com/@xboxfrontlineFollow us on Twitter @IronLordPodcast to get plugged in so you don't miss any of our content.

Roger Basick and Marina Santee tell about how a small Texas town became very popular because a young couple had the courage to chase after their dreams.https://spotlightenglish.com/uncategorized/chasing-dreams-all-the-way-to-waco/Download our app for Android at http://bit.ly/spotlight-androidDownload our app for iOS at http://bit.ly/spotlight-appleFacebook: https://www.facebook.com/spotlightradioAre you learning English? Are you looking for a way to practice your English? Listen to Spotlight to learn about people and places all around the world. You can learn English words, and even practice English by writing a comment.Visit our website to follow along with the script: http://spotlightenglish.com

Christ's work at the cross is not just one-dimensional. Its effects are continuous, encompassing the whole sum total of what is needed for us to be whole in His presence: both salvation from our sins past, present and future, and healing of our sicknesses and diseases. 1 Peter 2:24-25 Watch, Listen and Learn 24x7 at PastorMelissaScott.com Pastor Melissa Scott teaches from Faith Center in Glendale. Call 1-800-338-3030 24x7 to leave a message for Pastor Scott. You may make reservations to attend a live service, leave a prayer request or make a commitment. Pastor Scott appreciates messages and reads them often during live broadcasts. Follow @Pastor_Scott on Twitter and visit her official Facebook page @Pastor.M.Scott. Download Pastor Scott's "Understand the Bible" app for iPhone, iPad and iPod at the Apple App Store and for Android devices in the Google Store. Pastor Scott can also be seen 24x7 on Roku and Amazon Fire on the "Understand the Bible?" channel. ©2026 Pastor Melissa Scott, Ph.D., All Rights Reserved

Deuce zoomin in the late-night hour! The Notes: We predate the dark times! We're like a pleasant dream before awakening to a shocking reality! How many Brontes!? Why these heights got to wuther so much!? Pining for the lower middle heights! How many Brontes!? Don Bronte! Janice Bronte vs Janyce Bronte! Club Crackers contain the sum of human yumminess! The Sum of Human Yumminess (dir. Ang Lee)! Take a meeting with us Ang Lee, you coward! Sorry England, you have a complicated history and fun stereotypes! A Perfect Storm for a Recipe for Disaster (dir. Ang Lee)! Nelson is distressed but delighted by stealth Shoresy! Nelson's got slings and arrows problems! Shoresy vs Europe or Ang Lee vs Europe! Love-watching vs hate-watching! Will is watching just for the hate of the game! Will's hate-watch picks: Hijack & All Her Faults! Nelson never forgets a Toby! Bad Snook management! Will learns about the good and bad Hanks boys! Will accuses Chet Hanks of onomatopoeia! We both love Knight of the Seven Kingdoms, as per usual! Raymun Fossaway, the Apple-man, realest homie in Westeros! Does Nelson love editing the podcast too much!? Contact Us! Follow Us! Love Us! Email: doubledeucepod@gmail.com Twitter & Instagram: @doubledeucepod Bluesky: @doubledeucepod.bsky.social Facebook: www.facebook.com/DoubleDeucePod/ Patreon: patreon.com/DoubleDeucePod Also, please subscribe/rate/review/share us! We're on Apple, Android, Libsyn, Stitcher, Google, Spotify, Amazon, Radio.com, RadioPublic, pretty much anywhere they got podcasts, you can find the Deuce! Podcast logo art by Jason Keezer! Find his art online at Keezograms! Intro & Outro featuring Rob Schulte! Check out his many podcasts! Brought to you in part by sponsorship from Courtney Shipley, Official Superfans Stefan Rider, Amber Fraley, Nate Copt, and listeners like you! Join a tier on our Patreon! Advertise with us! If you want that good, all-natural focus and energy, our DOUBLEDEUCE20 code still works at www.magicmind.com/doubledeuce for 20% off all purchases and subscriptions. Check out the Lawrence Times's 785 Collective at https://lawrencekstimes.com/785collective/ for a list of local LFK podcasts including this one!  

In this episode, Gianna Beasley interviews Aja Beckett, the founder of Shotsy, a companion app for individuals on GLP-1 medications. Aja shares her personal journey with obesity and the challenges she faced before discovering GLP-1s. We dive into the struggles of weight management, the creation of the Shotsy app, its features, and the importance of community support. Shotsy is a mobile health tracking app specifically designed for people using GLP-1 medications like Ozempic, Wegovy, Mounjaro, Zepbound, Semaglutide, and Tirzepatide. It helps users monitor their injection schedule, side effects, and progress toward goals like weight loss or health improvements. Aja discusses the app's freemium model, ensuring accessibility for all users, and discusses the significance of building trust within the GLP-1 community.Download Shotsy in the App Store on Apple or Android!

Episode 416 of The VentureFizz Podcast features Colin Raney, Co-Founder & CEO of Ray. Here's a "did you know - fun fact” for you. Studies show that 90 minutes of strength training a week adds four years to your lifespan! Who knew??? At least I didn't, until I was doing research for this podcast. I have to admit, I have a pretty good workout routine while I'm home between cardio and lifting dumbbells, but when I'm traveling… forget about it. For whatever reason, I just have a mental block where I'm just not motivated to work out. This is just one of the many great use cases for how Ray helps. It is an AI native fitness app that behaves more like a personal trainer as it changes and adapts based on what the consumer needs by continuously learning from your feedback, preferences, and performance. Ray's co-founders are Colin and Rich Miner, who is a serial entrepreneur, investor, and co-founder of the Android operating system. The company is backed by Founder Collective, True Ventures, and other angel investors. In this episode of our podcast, we cover: * Colin's background story growing up in Texas and how he got his career started in software engineering and then product management. * Going back to business school at Carnegie Mellon and how he fell in love with design. * How he landed at IDEO and later ran the firm's Cambridge studio. * Joining Formlabs as CMO in the early days of the company and the story of the launch of the Form 2 printer. * Meeting TJ Parker and Elliot Cohen, the founders of PillPack and later joining as the company's CMO… plus the full story to their acquisition by Amazon for a reported $1B. * All the details about Ray and a demo of the product. * His thoughts around branding and consumer marketing in the era of AI. * And so much more!

Esta semana analizamos el lanzamiento del Pixel 10a, que llega con cambios mínimos frente al 9a y deja más preguntas que emoción. ¿Tiene sentido comprarlo o es mejor buscar descuentos del modelo anterior?

Fr. Dan Reehil and his brother Brian discuss the proper way to fast during the lenten season and the reasons for fasting.Radio Maria is a 100% listener supported radio station. If this broadcast has touched your life, please consider donating at https://rmusa.civi-go.net/donateStream live episodes of Battle Ready with Fr. Dan Reehil at https://radiomaria.us/ at 9:00 am cst or tune in on radio in Louisiana (580 AM Alexandria, 1360 AM New Iberia, 89.7 FM Natchitoches, 91.1 FM Lake Charles) in Ohio (1600 AM Springfield, 88.7 FM Anna, 103.3 Enon/Dayton) in Mississippi (88.1 FM D'Iberville/Biloxi) in Florida (91.9 Hammocks/Miami) in Pennsylvania (88.1 FM Hollidaysburg/Altoona) in Texas (1250 AM Port Arthur) in Wisconsin (91.3 FM Peshtigo), 1280 AM Columbia, TN (98.9 FM Columbia, TN)Download the Radio Maria Play app to any smart device:Android: https://play.google.com/store/apps/details?id=com.radiomaria.v3&hl=en_US&gl=US&pli=1iOS: https://apps.apple.com/us/app/radio-maria-play/id848153139 

The Go Radio Football Show: 23rd of February 2026. PLAY and HIT SUBSCRIBE, and NEVER miss an episode! A weekend where controversy overshadowed quality, tempers flared on and off the pitch, and the title race somehow became even tighter. Paul Cooney is joined by Barry Ferguson and Peter Grant, and from the first whistle the conversation explodes into debate: Is VAR officially in crisis? Celtic lose at home to Hibs for the first time in 16 years, Rangers drop points at Livingston after VAR ignores a last‑minute flashpoint, Hearts march on with another gritty win, and Motherwell smash St Mirren 5–0 in a statement performance. Celtic's meltdown at Celtic Park — trust in VAR collapses as decisions leave fans, pundits, and even Martin O'Neill baffled. Rangers' rescue job at Livingston — character shown, but serious questions about away form and refereeing chaos. Hearts' title credentials — are they quietly becoming favourites? Motherwell's astonishing rise — the form team in Scotland, playing fearless football and refusing to go away. Fan insight + live callers — frustration, debate, realism, and humour as supporters of all clubs weigh in. The wider crisis in officiating — consistency, credibility, communication… and whether VAR should simply be scrapped. The looming Old Firm — who has the edge? Who must win? And is the loser out of the title race? Follow us @thisisgoradio on Instagram, Facebook, LinkedIn and Tik Tok The Go Radio Football Show, weeknights from 5pm-7pm across Scotland on DAB, YouTube, Smart Speaker - launch Go Radio - and on the Go Radio App. IOS: https://apps.apple.com/gb/app/go-radio/id1510971202 Android: https://play.google.com/store/apps/details?id=uk.co.thisisgo.goradio&pcampaignid=web_share In Association with Burger King. Home of the Whopper, home delivery half time or full time, exclusively on the Burger King App  https://www.burgerking.co.uk/download-bk-app. Watch the Replay on YouTube: https://www.youtube.com/live/REQuLZN3Tw0?si=mQe3LpM3pXJ8jWZh  For more Podcasts from Go Studios, head to: https://thisisgo.co.uk/podcasts/ Facebook: https://www.facebook.com/share/1ATeQD... 

What started out as a casual holiday purchase - a fake Louis Vuitton handbag - has rapidly escalated. The show phone has a message with someone claiming to be from the Louis Vuitton brand protection team. There is a file number. There is a London number to call. Nobody panic though, because Lise knows how to spin it into a positive. Plus, mindfulness coach Ben Crowe has an 'introduction challenge' that proves....very challenging. And the woo-woo habits we’re adopting to survive the year. No judgement; but we're talking to the trees. Got opinions? Feedback? Are you Elizabeth from the LVMH brand protection team? The show phone is 0489 214 653 The Fine Print: This episode is proudly brought to you by leading family safety app, Life 360 We record at Clearshot Digital in Brisbane Want to support the show and become a Goldie? Subscribe to Lise and Sarah GOLD here For Android user, you don't need the Apple Podcasts app - you can subscribe via your web browser. How does it work? Here's a step-by-step • Click here: http://apple.co/LiseandSarah • The link will open in a web browser • From there, click on sign in, log in/create an Apple Account - it's free to do this • You can now proceed to sign up for The Lise & Sarah Show subscription (it may look like a TRY FREE button) • We suggest you save/bookmark/create a shortcut for the link for easy access whenever you want to tune inSee omnystudio.com/listener for privacy information.

Have you ever wondered what true humility could unlock in your life? Through a powerful exploration of 2 Chronicles 7:14, Pastor Jason reveals how humility isn't about thinking less of yourself—it's about seeing yourself and God rightly. Drawing from King David's raw confession in Psalm 51, he shows how genuine humility opens the door to God's transforming presence. Whether you're wrestling with pride, fear, or past mistakes, this message offers fresh hope: when we humble ourselves, God promises to lift us up. Don't miss this timely word about positioning yourself for a divine encounter!Thank you for tuning into today's message at Bold City Church! We pray it encourages you in your faith. Share with a friend who could use these words, too! Follow us on Facebook and Instagram @boldcitychurchDownload our app on iOS and Android==================================

Update of the Week: Daniel plays Mafia 3 and gives his thoughts on this game that is an oldie, but a goodie.   Daniel watched the new installment into the Frankenstein franchise and enjoyed it more than he previously expected. The guys discuss going into movies with lower expectations and being more impressed versus having high expectations and having a film underdeliver. Let us know your thoughts on expectations with modern day films.   Daniel also kept it in the horror genre with his review of the latest and last Conjuring film, Conjuring: The Last Rites. He describes his enjoyment of the franchise and his appreciation of what they were able to do to wrap up the final film in the series.   Andy gives us an update on the Crypto market and his concern with the value trending downwards lately.   Andy expanded his DVD collection recently and purchased several limited edition and hard to find films. The guys discuss the niche collectors who keep DVDs, VHS, and other formats alive in the collector's market.   Noel watches Wonder Man, a new Disney show in the Marvel Universe and gives his review of the newest entry into the Comic Book Universe.   Noel and Daniel talk about Stranger Things and the finale of the long running series. While Noel had some reservations about some episodes, overall he enjoyed the way the show concluded and the potential for a spinoff, based on some interpretations of the ending.   Article of the Week: Punxsutawney Phil is said to have seen his shadow, forecasting 6 more weeks of wintry weather   https://apnews.com/article/punxsutawney-phil-groundhog-day-winter-eae03abf8be74df0c48f3082e2f91905 Warning: May have Strong Language and Content.   ========== Thank you to everyone who enjoys what we do.  If you like what we do, please spread the word of our show. Email questions or suggestions to ffnquestions@gmail.com ========== Follow us on TWITTER (X) https://twitter.com/FreeFormNetwork Follow us on FACEBOOK https://www.facebook.com/profile.php?id=61557790516078 ========== Free Form Network and all our podcast are available on many platforms including STITCHER, ANDROID, IPHONE, IPAD, IPOD TOUCH and PODBEAN   IPHONE, IPAD & IPOD TOUCH http://itunes.apple.com/us/podcast/free-form-network/id995998853 SPOTIFY https://open.spotify.com/show/0QKRhkXDmQ9cxItaiu49Vy IHEART RADIO https://www.iheart.com/podcast/338-free-form-network-94075820/ TUNE IN RADIO http://tunein.com/radio/Free-Form-Network-p784190/ PLAYER FM https://player.fm/series/3326348 TUMBLR https://freeformnetworkpodcast.tumblr.com/ WORDPRESS https://freeformnetwork.wordpress.com/ YOUTUBE https://www.youtube.com/channel/UCj0LNZRJHyW7sQwM5ZdOCQg DEEZER https://www.deezer.com/us/show/1857582 PODCHASER https://www.podchaser.com/podcasts/free-form-network-97539 PODCAST ADDICT https://podplayer.net/?podId=2920676 PANDORA https://www.pandora.com/podcast/free-form-network/PC:53088 AMAZON MUSIC https://music.amazon.com/podcasts/41213756-a9ad-46bc-8d6c-ea2d30bd2fb9/free-form-network LISTEN NOTES https://www.listennotes.com/podcasts/free-form-network-free-form-network-ElG1hW2tS3v/ GOOGLE PODCAST https://podcasts.google.com/feed/aHR0cHM6Ly9mZWVkLnBvZGJlYW4uY29tL2ZyZWVmb3JtbmV0d29yay9mZWVkLnhtbA PODBEAN DESKTOP http://freeformnetwork.podbean.com/ PODBEAN MOBILE http://freeformnetwork.podbean.com/mobile   ========== Free Form Radio - Episode 265- 02/22/2026 Hosted by Daniel, Andy and Noel ==========   FREE FORM NETWORK

RED FLAGS | THE PROBLEM WITH BEING RIGHT LANCE WATSON | FEBRUARY 22, 2026 Support the showVisit our Online Campus at Online.timberlakechurch.com, which is live Sundays 9, 10:15, & 11:30am.-If you would like to partner with Timberlake and want to support our mission to spread the love of Jesus to the world, please visit https://www.timberlakechurch.com/giveonline to set up a one-time or recurring gift. You can also text “Timberlake" to 77977.- | IOS app link | | Android app link |

In Episode 525, Jose and Ryan catch up with Michael Plumides to talk about his new book Nocturnity, and his partner Scott Hansen for the upcoming film adaptation. We also talk about his newest movie, Devour.   This is the Clive Barker Podcast, where long-time fans Ryan and Jose interview guests, bring you the news, and take deep dives into Barker-related stuff.  This episode will be available in Podcast Audio and Youtube Video.  Sponsor : Don Bertram's Celebrate Imagination | Pinterest | ETSY Store Check out his recent painting, "The Flame" and "Shooting Star" Texas Friends, Find Don at the Pearland Arts League 2026 Winter Arts Show Sponsor : Ed Martinez YouTube Channel 2001: The Future's Not What it Used to Be Sponsor : The Now Playing Podcast Discussion: Nocturnity Show Notes Michael's Web Site Kill The Music Ghost Trek Mad Monster Party Teaser Trailer: Devour Digital Thunderdome / Devour web site Feedback / Questions Coming Next  Clive's Contemporary Commentaries : 1985 – The Winner is Silver Bullet Portrait Study News and Interviews Patreon Members Shout-Out (Become a Patron) David Anderson Erik Van T' Holt Daniel Elven Amanda Stewart Bradley Gartz Matthew Batten Bennett Jesse Clara Leslie Timothy Ramakers Terry Murdock Sponsor: Don Bertram's Celebrate Imagination Sponsor, Ed Martinez YouTube Channel Sponsor : The Now Playing Podcast And this podcast, having no beginning will have no end.  web www.clivebarkercast.com Apple Podcasts,  Android,  Amazon Music, Spotify, Pandora, Libsyn, Tunein, iHeart Radio, Pocket Casts, Radio.com, and YouTube and Facebook: | BarkerCast Listeners Group | Occupy Midian  BlueSky | Reddit | Discord Community Support the show Buy Our Book: The BarkerCast Interviews Occupy Midian  Hardcover | Kindle | Apple Become a Patreon Patron | Buy a T-Shirt Music is by Ray Norrish All Links and show notes in their Entirety can be found at https://www.clivebarkercast.com AI Summary Quick recap The Clive Barker Podcast hosted Michael Plumides and Scott B. Hansen to discuss Michael's new book Nocturnity and Scott's upcoming film Devour. They explored themes in Michael's novel, including supernatural elements and character motivations, while Scott shared details about his indie horror film's production challenges and promotional plans. The conversation highlighted connections between the film and book projects, including potential casting and shared creative influences. The podcast also featured a review of Scott's previous work Bad Candy and discussed upcoming episodes, including a planned commentary on the 1985 werewolf film Silver Bullet. Michael's Film and Music Adventures Michael discussed his involvement with the film industry, including obtaining permissions for screenings and his role as a creative consultant. He shared his experiences in the music world, particularly with Gwar, and mentioned his book "Kill the Music" which chronicles these events. Michael also recounted a humorous anecdote about a police encounter with David Brocky and described the unfortunate burning down of a club, the Mad Monk, which he was supposed to promote a Gwar show at. Supernatural Thriller Book Discussion Michael discussed his new book, Nocturnity, which features a supernatural thriller following Jade Winters, an outcast who discovers he is special and has connections to a secret world. He explained the book's themes, characters, and influences, including his experience working on a Clive Barker TV series. Michael also mentioned his business, Bird Dog Vintage, which thrived during COVID-19. The group briefly discussed the rivalry between two characters in the book, inspired by Michael's own experiences in the nightclub business. Devour Film Release Discussion The group discussed the upcoming screening of Scott Hansen's film Devour at Mad Monster Party on Friday, with a potential release date in September or early October. They also talked about the character Miles Farron from Michael's next book, "Nocturne: The Edge of Chaos," who is portrayed as an agent of chaos and a billionaire with dark secrets. The conversation touched on the isolation and eccentric behavior often associated with wealthy individuals, as well as the film's violent content and promotional strategies involving free posters. Vampire Cannibals in Horror-Comedy Scott discussed his upcoming film Devour, a horror-comedy about a metal band of vampires who break down in a town of cannibals. He explained that the film was picked up by Raven Banner and Epic Pictures, and detailed its unique blend of genres and the involvement of music industry talent. The group also discussed the film's connection to Scott's previous work, Bad Candy, and its place in an ongoing horror universe. Indie Film Production Update Scott discussed his indie film, which had a 52-day shoot and faced multiple funding challenges, including running out of money five times. He mentioned crowdfunding through Indiegogo and securing investors, as well as the film's practical effects and action sequences. Scott shared his excitement about the film's upcoming theatrical release and promotional events like Days of the Dead and other conventions. Michael announced that "Nocturnity" reached the top 95 in teen and young adult zombie fiction on Amazon, and they are working on casting for the next project, "Nocturnity." Movie Co-Direction and Special Effects Michael discussed his upcoming co-direction of a movie with John Wells, which will be true to the book and involve themes of prophecy and betrayal. They mentioned working with a special effects artist on headpieces and masks for the film. The group also discussed influences for the movie, including Planet of the Apes and Island of Dr. Moreau, as well as character motivations and relationships. Film and Writing Insights Shared The group discussed the movie Devour, with José expressing enthusiasm and leaving a review on Letterboxd. They talked about the collaborative nature of filmmaking and their connections within the horror film community. Michael mentioned his upcoming second book, which will include content related to Metal Congress and the Black Sun. The conversation concluded with a brief discussion about a concert experience involving Soundgarden.

In this episode Jenny and Scott chat about the end of the act.  Free Juicebox Community (non Facebook) Type 1 Diabetes Pro Tips - THE PODCAST Eversense CGM Medtronic Diabetes Tandem Mobi ** Use code JUICEBOX to save 40% at Cozy Earth  CONTOUR NextGen smart meter and CONTOUR DIABETES app Dexcom G7 Go tubeless with Omnipod 5 or Omnipod DASH * Get your supplies from US MED  or call 888-721-1514 Touched By Type 1 Take the T1DExchange survey Apple Podcasts> Subscribe to the podcast today! The podcast is available on Spotify, Google Play, iHeartRadio, Radio Public, Amazon Music and all Android devices The Juicebox Podcast is a free show, but if you'd like to support the podcast directly, you can make a gift here or buy me a coffee. Thank you! *The Pod has an IP28 rating for up to 25 feet for 60 minutes. The Omnipod 5 Controller is not waterproof.  ** t:slim X2 or Tandem Mobi w/ Control-IQ+ technology (7.9 or newer). RX ONLY. Indicated for patients with type 1 diabetes, 2 years and older. BOXED WARNING:Control-IQ+ technology should not be used by people under age 2, or who use less than 5 units of insulin/day, or who weigh less than 20 lbs. Safety info: tandemdiabetes.com/safetyinfo Disclaimer - Nothing you hear on the Juicebox Podcast or read on Arden's Day is intended as medical advice. You should always consult a physician before making changes to your health plan.  If the podcast has helped you to live better with type 1 please tell someone else how to find it!  

After months in prison for sharing the gospel with Hindus, Pastor Paul's health was failing. He offered a desperate prayer: he asked God to allow another pastor to be arrested who could come to the prison and encourage Paul.  "Lord, arrest one pastor and bring him to be in prison so we can have fellowship." God answered Paul's prayer, and four days later, he read in the newspaper that a pastor had been arrested. Two weeks later, that pastor was with Paul in the prison, and he brought him great encouragement: "My church has been praying for you!" After his fellow pastor arrived to the prison, Paul says his tired faith became, "like concrete." They began to pray together in prison. Soon, other prisoners were asking for prayer. The two pastors would often raise their hands in prayer, claiming spiritual victory. When prison guards asked what they were doing, the two pastors said, "We are praying for you!" The two pastors had the opportunity to pray with 70 other prisoners who came to them asking for prayer and to know more about Jesus. One of those was an American prisoner named Daniel. He went to India on a quest for spiritual enlightenment; inside that Indian prison, Daniel found what he sought—in Christ. You'll also hear how the Lord moved pastor Paul's wife to bring his bail application to the Supreme Court, and how God answered their prayers that a specific judge would hear his case. Hear how you can pray specifically for Pastor Paul, including that all charges against him will be dropped, and go to www.PrisonerAlert.com to learn how you can pray for other persecuted Christians still imprisoned for their faith. The VOM App for your smartphone or tablet will help you pray daily in 2026 for persecuted Christians in nations like North Korea, Nigeria, Iran and Bangladesh, as well as provide free access to e-books, audiobooks, video content, and feature films. Download the VOM App for your iOS or Android device today.

Cari berichtet von ihrer Zeit in Australien: Dort hat sie dank unserer Community wildlebende Koalas und Kängurus gesehen und überraschende "Random Acts of Kindness" erlebt. Und sie berichtet von der Odyssee eines 50-Dollar-Scheins, die vor elf Jahren in Berlin begann... Außerdem erklären wir, was der Begriff "Schwein haben" bedeutet und beantworten, was man über den deutschen Führerschein wissen muss.   Transkript und Vokabelhilfe Werde ein Easy German Mitglied und du bekommst unsere Vokabelhilfe, ein interaktives Transkript und Bonusmaterial zu jeder Episode: easygerman.org/membership   Sponsor Seedlang: Start learning German now with Seedlang! Use the spaced repetition method to practice and repeat words and phrases. You can download the app for free for iOS and Android or visit seedlang.com.   Ausdruck der Woche: Schwein gehabt Schwein haben (Wikipedia)   Caris Corner: Die 50 Dollar Odyssee Die Wasserkocher-Odyssee (Easy German Podcast 607)   Eure Fragen Ksenia fragt: Was muss man über den deutschen Führerschein wissen? Hast du eine Frage an uns? Auf easygerman.fm kannst du uns eine Sprachnachricht schicken.   Support Easy German and get interactive transcripts, live vocabulary and bonus content: easygerman.org/membership

New Seattle Seahawks offensive coordinator Brian Fleury did the press conference and media show tour after being hired this week. What did his answers reveal about his philosophy and does he have a true understanding of what he wants his offense to be? Fleury emphasized a commitment to running the football, including a red-zone approach built on being able to "run it in," while also suggesting the scheme won't look drastically different from what fans have seen. We pick out some other stand-out moments to discuss and debate. Support the show Get in the Flock! Visit GetInTheFlock.com Or visit our website for other ways to support the show Subscribe via: Apple Podcasts | Spotify | Google Podcasts | YouTube | TuneIn | RSS Follow us on: Facebook | Twitter Listen on our free app for Android, iOS, Kindle or Windows Phone/PC Call or text: 253-235-9041 Find Sea Hawkers clubs around the world at SeaHawkers.org Music from the show by The 12 Train, download each track at ReverbNation  

Hear "The Buck Belue Show" every weeknight from 6-8pm on 680 The Fan ad 93.7 FM, the 680 The Fan App available on Apple and Android, with your Smart Speaker by saying Alexa or wherever you get and listen to your favorite podcast! Get the latest on Georgia sports, newsmakers, and more! Buck’s Big Take – Falcons QB search What’s Poppin’ - US going for the gold Fix the Franchise – Stetson Bennett QB2? CF Nugget – Cignetti Big Raise Braves – Walt Weiss debut tomorrow College Hoops Matchups See omnystudio.com/listener for privacy information.

Hear "The Buck Belue Show" every weeknight from 6-8pm on 680 The Fan ad 93.7 FM, the 680 The Fan App available on Apple and Android, with your Smart Speaker by saying Alexa or wherever you get and listen to your favorite podcast! Get the latest on Georgia sports, newsmakers, and more! Joey Aguilar Update Buy or Buck Chop It Up Top 5 See omnystudio.com/listener for privacy information.

Here is all of the reference I material I used for this segment. Feel free to read on this yourself! -Oxygen leadership pages: https://www.oxygenforensics.com/en/company/team/ https://www.oxygenforensics.com/news/note-from-ceo/) -Oxygen Forensics, Inc. Alexandria, VA address (company site): https://www.oxygenforensics.com/en/subscribe-to-newsletter/ -Privacy policy repeats address: https://www.oxygenforensics.com/en/privacy-policy/ -OpenCorporates listing): https://opencorporates.com/companies/us_va/07613078 -EPIC ICE FOIA request (mobile forensic contracts incl. Oxygen): https://epic.org/wp-content/uploads/foia/dhs/ice/mobile-forensics/EPIC-17-06-13-ICE-FOIA-20170613-Request.pdf -DHS test results for Oxygen Forensic Detective (tool validation context): https://www.dhs.gov/sites/default/files/2025-05/25_0501_st_test_results_for_mobile_device_acquisition_tool_oxygen_forensic_detective_v17.1.0.131.pdf -Access Now report tying Oxygen Forensics to its parent company Oxygen Software and Central Asia reseller marketing: https://www.accessnow.org/cms/assets/uploads/archive/docs/Commonwealth_of_Surveillance_States_ENG_1.pdf -Oxygen's list of Resellers, many of whom are in authoritarian nations: https://www.oxygenforensics.com/company/resellers/ -Forbes 2017 on Oxygen's "distance from Russian connections” framing: https://www.forbes.com/sites/thomasbrewster/2017/08/30/russian-hackers-help-us-with-encryption-nightmare/ -Oxygen's "Reflecting on 25 years of Oxygen Forensics Innovation" article. Note there is no mention of Russian origins. https://www.oxygenforensics.com/resources/25-years-of-innovation/ -Forbes 2023 lawsuit information describing Oxygen as founded by two Russian entrepreneurs: https://www.forbes.com/sites/thomasbrewster/2023/12/04/russian-hacker-lawsuit-exposes-flaws-in-apples-ios-16/ -Oxygen's explanation for its cloud and Android extraction capabilities and training: https://www.oxygenforensics.com/training/events/ofce-on-demand/ https://www.oxygenforensics.com/resources/android-agent/

Fish at 6 | Should Cowboys Trade for Minkah? YES - And Fish Shows How and Why! ✭ SUBSCRIBE to the NEW Fish Report Podcast here: https://www.dspmediaonline.com/show/the-dallas-cowboys-fish-report/  ✭ STRAIGHT DOPE. NO BULLSH. ✭  ✭ UNCLE FISH STORE https://shorturl.at/gJPS2  ✭ FISH SPORTS GEAR www.fishsportsnetwork.com Listen on the Go, 24/7! Download the NEW Fan Stream Sports APP on iOS and Android! Follow FISH on X: @FishSports #DallasCowboysReport Cowboys Country https://athlonsports.com/nfl/dallas-cowboys/cowboys-country/ Join the NEW Fan Stream Sports Facebook Page to interact with hosts and other fans: https://www.facebook.com/fanstreamsports/

A weekly live show covering all things Freedom Tech with Max, Q and Seth.HELP GET SAMOURAI A PARDONSIGN THE PETITION ----> https://www.change.org/p/stand-up-for-freedom-pardon-the-innocent-coders-jailed-for-building-privacy-tools DONATE TO THE FAMILIES ----> https://www.givesendgo.com/billandkeonneSUPPORT ON SOCIAL MEDIA ---> https://billandkeonne.org/TO DONATE TO ROMAN'S DEFENSE FUND: https://freeromanstorm.com/donateVALUE FOR VALUEThanks for listening you Ungovernable Misfits, we appreciate your continued support and hope you enjoy the shows.You can support this episode using your time, talent or treasure.TIME:- create fountain clips for the show- create a meetup- help boost the signal on social mediaTALENT:- create ungovernable misfit inspired art, animation or music- design or implement some software that can make the podcast better- use whatever talents you have to make a contribution to the show!TREASURE:- BOOST IT OR STREAM SATS on the Podcasting 2.0 apps @ https://podcastapps.com- DONATE via Monero @ https://xmrchat.com/ugmf- BUY SOME STICKERS @ https://www.ungovernablemisfits.com/shop/FOUNDATIONhttps://foundation.xyz/ungovernableFoundation builds Bitcoin-centric tools that empower you to reclaim your digital sovereignty.As a sovereign computing company, Foundation is the antithesis of today's tech conglomerates. Returning to cypherpunk principles, they build open source technology that “can't be evil”.Thank you Foundation Devices for sponsoring the show!Use code: Ungovernable for $10 off of your purchaseCAKE WALLEThttps://cakewallet.comCake Wallet is an open-source, non-custodial wallet available on Android, iOS, macOS, and Linux.Features:- Built-in Exchange: Swap easily between Bitcoin and Monero.- User-Friendly: Simple interface for all users.Monero Users:- Batch Transactions: Send multiple payments at once.- Faster Syncing: Optimized syncing via specified restore heights- Proxy Support: Enhance privacy with proxy node options.Bitcoin Users:- Coin Control: Manage your transactions effectively.- Silent Payments: Static bitcoin addresses- Batch Transactions: Streamline your payment process.Thank you Cake Wallet for sponsoring the show!MYNYMBOXhttps://mynymbox.ioYour go-to for anonymous server hosting solutions, featuring: virtual private & dedicated servers, domain registration and DNS parking. We don't require any of your personal information, and you can purchase using Bitcoin, Lightning, Monero and many other cryptos.Explore benefits such as No KYC, complete privacy & security, and human support.

Saudações, futuro padrinho ou madrinha do RPG Next! Talvez você ainda não apoie o projeto hoje, mas acreditamos que um dia você vai fazer parte dessa aventura junto com a gente! Este episódio de A Forja é exclusivo para quem já apoia o RPG Next lá no apoia.se/RPGnext, ou para membros do nosso canal no YouTube. Quem decide apoiar já ganha acesso a todos os episódios exclusivos, além de receber conteúdos antecipados e várias recompensas extras — e o melhor: não importa o valor, em qualquer nível de apoio você já desbloqueia tudo isso. Apoiar é simples e rápido, e faz toda a diferença para que nós possamos continuar criando novos podcasts, mais episódios e mais conteúdo para toda a comunidade RPGista. Então, se você gosta do que fazemos e quer ter acesso a este episódio completo e a todos os outros exclusivos, passa lá em apoia.se/RPGnext. Temos certeza de que em breve vamos poder te chamar de padrinho ou madrinha de verdade lá no nosso grupo exclusivo do WhatsApp. Até lá, obrigado por ouvir e por estar junto com a gente nessa jornada! Se você já é apoiador: Ouça aqui no Spotify: https://open.spotify.com/show/6g11105CEiIWAdClcc31Ml Ouça aqui no Apoia.se: https://apoia.se/rpgnext Ouça aqui mesmo no site do RPG Next. NOVIDADE!!! Para tornar a sua experiência ainda mais fácil e prática, agora disponibilizamos nossos conteúdos exclusivos do Apoia.se também no Spotify! Assim, você pode acessar tudo em um só lugar, sem precisar alternar entre plataformas. Quer saber como ativar essa opção e ouvir nossos episódios exclusivos diretamente no Spotify? Acesse este artigo com o passo a passo: https://suporte.apoia.se/hc/pt-br/articles/30944727495579-Ou%C3%A7a-%C3%A1udios-exclusivos-da-APOIA-se-no-Spotify Obrigado por apoiar nosso trabalho! Seu suporte faz toda a diferença. Boletim Informativo RPG Next https://bit.ly/boletim-informativo-rpg-next  O RPG Next agora tem um grupo oficial no Telegram! Venha trocar ideias, compartilhar suas aventuras e se conectar com outros jogadores apaixonados por RPG. Entre agora e faça parte dessa comunidade épica: https://t.me/RpgNextOficial . Acesse nossos conteúdos antecipados e exclusivos pelo APP do Apoia-se Disponível para Android e iOS! Google Play: https://play.google.com/store/apps/details?id=com.apoiasemobile&pli=1 iOS: https://apps.apple.com/us/app/apoia-se/id1665747795 https://www.rpgnext.com.br/produto/dungeons-and-dragons-starter-set-heroes-of-the-borderlands/ https://www.rpgnext.com.br/produto/dungeons-dragons-rpg-players-handbook-2024/ https://www.rpgnext.com.br/produto/dungeons-dragons-rpg-dungeon-master-guide-2024/ https://www.rpgnext.com.br/produto/dungeons-and-dragons-monster-manual-2024/ https://www.rpgnext.com.br/produto/dungeons-dragons-rpg-dungeon-masters-screen-2024/ Quer jogar RPG sem precisar montar grupo ou preparar nada?   Agora você pode! Encontre todas as vagas on-line com Mestres de Aluguel no site do RPG Next e entre de cabeça em aventuras épicas conduzidas por narradores experientes! O serviço é pago e funciona por assinatura mensal, com cobrança exclusivamente via cartão de crédito. ‍♂️ O Mestre de Aluguel conduz toda a sessão — você só precisa escolher o sistema, montar seu personagem e se divertir! No site, você encontra um vídeo de apresentação e todas as informações sobre como participar, bem como link público para o grupo de WhatsApp de cada Mestre de RPG. Confira as mesas disponíveis agora em:https://www.rpgnext.com.br/categoria-produto/servico-de-mestre-de-aluguel/ SERVIDOR DO DISCORD - D&D BR:  https://discord.gg/zYvhQETBEq APOIE NOSSA CAUSA! Nosso Plano de Assinaturas do APOIA.SE! Acesse e veja nossas recompensas para os apoiadores. https://rpgnext.com.br/doadores/   COMPARTILHE! Nosso site é https://rpgnext.com.br, Nossa Campanha do APOIA.SE: https://apoia.se/rpgnext Facebook RpgNextPage, Grupo do Facebook RPGNext Group, Instagram RPG Next Oficial, Bluesky rpgnext.bsky.social,  Canal do YouTube,  Vote no iTunes do Tarrasque na Bota e no iTunes do RPG Next Podcast com 5 estrelas para também ajudar na divulgação! DEIXE SEU FEEDBACK! Se quiser deixar seu feedback, nos envie um e-mail em contato@rpgnext.com.br ou faça um comentário nesse post logo abaixo. Seu comentário é muito importante para a melhoria dos próximos episódios. Beleza? Muito obrigado pelo suporte, pessoal! Contato Instagram / Facebook / Bluesky / TikTok / YouTube

⚔️ O que move o seu jogo? Descubra os Componentes do Game Design! Você já parou para pensar que o seu personagem, o ouro na mochila e até aquele dragão ancião são, tecnicamente, a mesma coisa? No novo episódio do Forja, exploramos o livro Games Without Frontiers, de Aki Järvinen, para entender como os Componentes funcionam como os recursos vitais de uma partida. Eles são a base da motivação dos jogadores e o coração dos desafios que enfrentamos na mesa. Quer elevar o nível do seu design de RPG ou entender melhor a mecânica por trás da diversão? Esse episódio é para você. Apoie nosso projeto em https://apoia.se/rpgnext e ajude o RPG Next a continuar criando conteúdo épico! Marque aquele amigo mestre ou jogadora que precisa ouvir isso. Com a participação de: Rafael 47; Vitor; Padrinho Bruno. Uma produção RPG Next. NOVIDADE!!! Para tornar a sua experiência ainda mais fácil e prática, agora disponibilizamos nossos conteúdos exclusivos do Apoia.se também no Spotify! Assim, você pode acessar tudo em um só lugar, sem precisar alternar entre plataformas. Quer saber como ativar essa opção e ouvir nossos episódios exclusivos diretamente no Spotify? Acesse este artigo com o passo a passo: https://suporte.apoia.se/hc/pt-br/articles/30944727495579-Ou%C3%A7a-%C3%A1udios-exclusivos-da-APOIA-se-no-Spotify Obrigado por apoiar nosso trabalho! Seu suporte faz toda a diferença. Boletim Informativo RPG Next https://bit.ly/boletim-informativo-rpg-next  O RPG Next agora tem um grupo oficial no Telegram! Venha trocar ideias, compartilhar suas aventuras e se conectar com outros jogadores apaixonados por RPG. Entre agora e faça parte dessa comunidade épica: https://t.me/RpgNextOficial . Acesse nossos conteúdos antecipados e exclusivos pelo APP do Apoia-se Disponível para Android e iOS! Google Play: https://play.google.com/store/apps/details?id=com.apoiasemobile&pli=1 iOS: https://apps.apple.com/us/app/apoia-se/id1665747795 Quer jogar RPG sem precisar montar grupo ou preparar nada?   Agora você pode! Encontre todas as vagas on-line com Mestres de Aluguel no site do RPG Next e entre de cabeça em aventuras épicas conduzidas por narradores experientes! O serviço é pago e funciona por assinatura mensal, com cobrança exclusivamente via cartão de crédito. ‍♂️ O Mestre de Aluguel conduz toda a sessão — você só precisa escolher o sistema, montar seu personagem e se divertir! No site, você encontra um vídeo de apresentação e todas as informações sobre como participar, bem como link público para o grupo de WhatsApp de cada Mestre de RPG. Confira as mesas disponíveis agora em:https://www.rpgnext.com.br/categoria-produto/servico-de-mestre-de-aluguel/ https://www.rpgnext.com.br/produto/dungeons-and-dragons-starter-set-heroes-of-the-borderlands/ https://www.rpgnext.com.br/produto/dungeons-dragons-rpg-players-handbook-2024/ https://www.rpgnext.com.br/produto/dungeons-dragons-rpg-dungeon-master-guide-2024/ https://www.rpgnext.com.br/produto/dungeons-and-dragons-monster-manual-2024/ https://www.rpgnext.com.br/produto/dungeons-dragons-rpg-dungeon-masters-screen-2024/ APOIE NOSSA CAUSA! Nosso Plano de Assinaturas do APOIA.SE! Acesse e veja nossas recompensas para os apoiadores.   https://rpgnext.com.br/doadores/ COMPARTILHE! Se você gostou desse Podcast de RPG, então não se esqueça de compartilhar! Nosso site é https://rpgnext.com.br, Nossa Campanha do APOIA.SE: https://apoia.se/rpgnext Facebook RpgNextPage, Grupo do Facebook RPGNext Group, Instagram RPG Next Oficial, Bluesky rpgnext.bsky.social,  Canal do YouTube,  Vote no iTunes do Tarrasque na Bota e no iTunes do RPG Next Podcast com 5 estrelas para também ajudar na divulgação! DEIXE SEU FEEDBACK! Se quiser deixar seu feedback, nos envie um e-mail em contato@rpgnext.com.br ou faça um comentário nesse post logo abaixo. Seu comentário é muito importante para a melhoria dos próximos episódios. Beleza? Muito obrigado pelo suporte, pessoal! Links para MÚSICAS e SFX sob a licença Creative Commons Freesounds.org – https://www.freesound.org/ Tabletop Audio – http://tabletopaudio.com/ Kevin MacLeod em Incompetech – http://incompetech.com/music/royalty-free Free PD - https://freepd.com/ Alexander Nakarada - https://alexandernakarada.bandcamp.com/ Free Stock Music - https://www.free-stock-music.com  Contato Instagram / Facebook / Bluesky / TikTok / YouTube

In a small school in Wales, children were separated, given paper, and asked to draw what they saw. Decades later, the results still refuse to make sense. Want more? Our High Strange music playlist is now available exclusively on Apple Music. Visit the link in our show notes or go to apple.co/highstrangeplaylist To access our book list, go to apple.co/highstrangebooks To find us in Apple Maps, go to apple.co/highstrangeguide For ad-free listening and bonus content, subscribe to Tenderfoot+ now! Members get all episodes ad-free plus bonus content throughout the season. Sign up at apple.co/highstrange. For Spotify, Google, and other Android users, visit tenderfootplus.com. Follow along on social and the web: @highstrange on Instagram @highstrange on TikTok highstrange.comSee omnystudio.com/listener for privacy information.

How can Michael and his companions hope to cross the mile wide Yenisei River, with no boat, raft or ferry? Jules Verne, today on The Classic Tales Podcast.   Welcome to The Classic Tales Podcast, where we use an audiobook format to give you an immersive experience in classic literature. You can get friendlier with the classics you know, and discover new favorites. I'm your host BJ Harrison. I'm a professional audiobook narrator, and I'm glad you could join us.   With the Audiobook Library Card, you gain access to everything I've personally curated from the public domain and recorded over the past 18 years. Every title was chosen with intent because it was calling to me for some reason. I needed to record it. After 18 and a half years of doing this, we're still winning awards and turning heads.     Subscribe for the Audiobook Library Card for $9.99 a month and get access to it all. Thousands of hours of content at your disposal. It's the best audiobook deal on the internet.   Go to audiobooklibrarycard.com or follow the link in the show notes, and download and listen all you want.   I've discovered a new and easier way to listen to the audiobooks downloaded from the store, through the Audiobook Library Card or otherwise – it's the PocketBook App. It's just a little more intuitive than the KyBook app, and it's available for iPhone and Android. Links can be found in the show notes. I've also made a new video walkthrough so you can see how easy it is to download and listen using Pocketbook. Feel free to check it out.   Before we dive into today's story, I want to start a new little feature called the Word for the Week. Each week, we'll have a definition from the Devil's Lexicographer himself – Ambrose Bierce. Over the course of 30 years, Bierce nearly weekly wrote a cynical definition of a common word, sometimes consisting of poems, which he sold to various newspapers and periodicals. After 30 years, he collected all of these into one volume which came to be called The Devil's Dictionary. In keeping with the spirit of its creation, we'll hear one of his jocular definitions before we begin today's show.   So, the Word for the Week is Infancy, and here to read it is Ambrose Bierce himself:   INFANCY, n. The period of our lives when, according to Wordsworth, "Heaven lies about us." The world begins lying about us pretty soon afterward.   Thank you Mr. Bierce.   And now, Michael Strogoff, Part 8 of 9, by Jules Verne.   Follow this link and watch the new video walkthrough using PocketBook.   Follow this link to get The Audiobook Library Card for a special price of $9.99/month       Follow this link to subscribe to our YouTube Channel:       Follow this link to subscribe to the Arsène Lupin Podcast:     Follow this link to follow us on Instagram:     Follow this link to follow us on Facebook:

Pediatrician and mother Jen shares how her daughter's Type 1 diagnosis reshaped her medical practice and how the Pro Tip series helped her move from clinical theory to practical management. Go tubeless with Omnipod 5 or Omnipod DASH * Dexcom G7 CONTOUR NextGen smart meter and CONTOUR DIABETES app Get your supplies from US MED  or call 888-721-1514 Tandem Mobi  Free Juicebox Community (non Facebook) Type 1 Diabetes Pro Tips - THE PODCAST Eversense CGM Medtronic Diabetes Touched By Type 1 Take the T1DExchange survey Use code JUICEBOX to save 40% at Cozy Earth  Apple Podcasts> Subscribe to the podcast today! The podcast is available on Spotify, Google Play, iHeartRadio, Radio Public, Amazon Music and all Android devices The Juicebox Podcast is a free show, but if you'd like to support the podcast directly, you can make a gift here or buy me a coffee. Thank you! * The Pod has an IP28 rating for up to 25 feet for 60 minutes. The PDM is not waterproof. Among all paid Omnipod 5 G6G7 Pods Commercial and Medicare claims in 2024. Actual co-pay amount depends on patient's health plan and coverage, they may be higher or lower than the advertised amount. Source IQVIA OPC Library. Disclaimer - Nothing you hear on the Juicebox Podcast or read on Arden's Day is intended as medical advice. You should always consult a physician before making changes to your health plan.  If the podcast has helped you to live better with type 1 please tell someone else how to find it!  

This week, Shat The Movies heads behind the Iron Curtain—or at least a Zucker-Abrahams-Zucker version of it—with Top Secret!, the absurdist spy spoof that introduced the world to Val Kilmer as a legitimately charismatic movie star who could also sing, dance, and commit fully to absolute nonsense. Long before Top Gun or The Doors, Kilmer was playing it dead serious in a movie where cows wear boots and visual gags never stop firing. Gene and Big D break down how Top Secret! feels like the forgotten middle child between Airplane! and The Naked Gun, debate whether the joke density is impressive or exhausting, and marvel at Kilmer's willingness to anchor chaos with charm. Along the way, they revisit the underwater bar fight, backward bookstore scene, relentless wordplay, and why this movie rewards obsessive rewatching more than almost any comedy of its era. Is Top Secret! peak parody—or a cult classic that only works if you surrender completely to the bit? Latrine! Android: https://www.shatpod.com/android Apple/iTunes: https://www.shatpod.com/apple Help Support the Podcast Contact Us: https://www.shatpod.com/contact Commission Movie: https://www.shatpod.com/support Support with Paypal: https://www.shatpod.com/paypal Support With Venmo: https://www.shatpod.com/venmo Shop Merchandise: https://www.shatpod.com/shop Theme Song - Die Hard by Guyz Nite: https://www.facebook.com/guyznite Produced by Elias Adams

Get our top ranked mobile app for iOS or Android! Healthcare shouldn't be the thing that decides whether you can take a risk, build a business, stay home with your kids, or say yes to the life you actually want—and in this conversation, Ginny Yurich talks with real-life friend Dustin Garrett from Samaritan Ministries about a different way forward. Instead of paying premiums into the ether and hoping the fine print works out, Dustin explains how healthcare sharing works person-to-person—real families helping real families—often with surprising clarity, freedom of choice, and a kind of human connection you don't get from an insurance portal. They dig into why the system feels so broken, why price transparency matters, how Samaritan has been doing this for decades, and what's new with Redeem Healthshare, the next-generation, all-digital option that adds features many families have asked for. If you've ever felt boxed in by “good benefits,” this episode will feel like someone opening a door. Learn more about Samaritan Ministries: https://samaritanministries.org Explore Redeem Healthshare: https://redeemhealthshare.org A huge thank you to our sponsors! Check them ALL out below:  BetterHelp: Visit  www.BetterHelp.com/1000HOURS  today to get 10% off your first month. Quince - Visit www.quince.com/outside and get free shipping and 365 day returns Hungry Root - Go to www.hungryroot.com/1000HOURS and use code 1000HOURS to get 40% off your first box and a free item of your choice for life. IXL Learning - Head to www.ixl.com/1000hours to get an exclusive 20% savings on your membership Wayfair - Go to www.wayfair.com and shop all things home Cure Hydration- head to www.curehydration.com/outside to find a retailer near you Learn more about your ad choices. Visit megaphone.fm/adchoices

Dutch authorities warn Russia is escalating hybrid operations across Europe. Ransomware shuts down the University of Mississippi Medical Center. PayPal notifies customers of a data breach. The FBI says ATM jackpotting is on the rise. An FBI confidential informant had a hand in online fentanyl sales. TrustConnect malware masquerades as a legitimate remote monitoring and management tool. Researchers uncover the first Android malware to integrate generative AI. A critical zero-day hits Grandstream VOIP phones. The IRS slashes IT staff and technology executives. Our guest is James Turgal, a 22-year FBI vet and VP of global cyber risk and board relations at Optiv, discussing the latest wave of tax scams and IRS fraud. DOGE dudes deliver DEI deathblows. Remember to leave us a 5-star rating and review in your favorite podcast app. Miss an episode? Sign-up for our daily intelligence roundup, Daily Briefing, and you'll never miss a beat. And be sure to follow CyberWire Daily on LinkedIn. CyberWire Guest Today we are joined by James Turgal, a 22-year FBI vet and VP of global cyber risk and board relations at Optiv, discussing the latest wave of tax scams and IRS fraud. Selected Reading Russia stepping up hybrid attacks, preparing for long standoff with West, Dutch intelligence warns (The Record) University of Mississippi Medical Center Suffers Cyberattack, Closes All Clinics, Cancels Services (Mississippi Free Press) PayPal discloses data breach that exposed user info for 6 months (Bleeping Computer) FBI: Over $20 million stolen in surge of ATM malware attacks in 2025 (Bleeping Computer) An FBI ‘Asset' Helped Run a Dark Web Site That Sold Fentanyl-Laced Drugs for Years (WIRED) (Don't) TrustConnect: It's a RAT in an RMM hat (Proofpoint US) PromptSpy ushers in the era of Android threats using GenAI (We Live Security) CVE-2026-2329: Critical Unauthenticated Stack Buffer Overflow in Grandstream GXP1600 VoIP Phones (FIXED) (Rapid 7) DOGE bites taxman (The Register) DOGE Bro's Grant Review Process Was Literally Just Asking ChatGPT ‘Is This DEI?' (Techdirt) Share your feedback. What do you think about CyberWire Daily? Please take a few minutes to share your thoughts with us by completing our brief listener survey. Thank you for helping us continue to improve our show. Want to hear your company in the show? N2K CyberWire helps you reach the industry's most influential leaders and operators, while building visibility, authority, and connectivity across the cybersecurity community. Learn more at sponsor.thecyberwire.com. The CyberWire is a production of N2K Networks, your source for strategic workforce intelligence. © N2K Networks, Inc. Learn more about your ad choices. Visit megaphone.fm/adchoices

Carrie Prejean Boller addresses the backlash she faced after rejecting the claim that support for modern Israel is a required Christian belief. A recent Catholic convert serving on the Trump-appointed Religious Liberty Commission, she argues that her position reflects historic Catholic teaching and should not be conflated with anti-Semitism. Prejean says fellow commissioners pressured her to resign over her public comments on Gaza and her rejection of evangelical dispensationalism, raising questions about what religious liberty truly means in practice. She contrasts her former Protestant views with her current Catholic convictions, particularly on covenant theology and the role of the modern state of Israel.HELP SUPPORT WORK LIKE THIS: https://give.lifesitenews.com/?utm_source=SOCIAL U.S. residents! Create a will with LifeSiteNews: https://www.mylegacywill.com/lifesitenews ****PROTECT Your Wealth with gold, silver, and precious metals: https://sjp.stjosephpartners.com/lifesitenews +++SHOP ALL YOUR FUN AND FAVORITE LIFESITE MERCH! https://shop.lifesitenews.com/ ****Download the all-new LSNTV App now, available on iPhone and Android!LSNTV Apple Store: https://apps.apple.com/us/app/lsntv/id6469105564 LSNTV Google Play: https://play.google.com/store/apps/details?id=com.lifesitenews.app +++Connect with John-Henry Westen and all of LifeSiteNews on social media:LifeSite: https://linktr.ee/lifesitenewsJohn-Henry Westen: https://linktr.ee/jhwesten Hosted on Acast. See acast.com/privacy for more information.

When the world feels heavy and your body is bracing, it is weirdly easy to start treating music like it has to justify itself. You practice anyway. You show up anyway. But inside, you are carrying pressure, tension, and that quiet question most musicians do not say out loud: how do I keep doing this without burning out or breaking down? In Episode 250, I sit down with Dr. Brianne Borden and Claire Howard, co-owners of Yoga for All Musicians, for a conversation that is equal parts grounding, honest, and immediately useful. ·         Why "just focus on the music" is not always possible, and what to do when the world follows you into the practice room ·         The simple check in skill most musicians never learn, and why it changes everything from practice choices to injury prevention ·         How classical music culture trains disconnection, and what trauma informed teaching and cueing can actually feel like ·         A reframing of expectations that sounds small, but hits hard once you try it in real life ·         A short centering plus neck and shoulder reset you can do before you play, especially if you live in jaw and shoulder tension If you're ready to step on stage with confidence, perform at your best, and finally feel secure in your playing, let's talk! Book a free discovery call and let's create a plan to get you there. Are you ready to take your playing and career to the next level and create a life that feels purposeful and joyful? Let's connect and explore how personalized coaching can support your journey. Click here to schedule your free consultation, and let's start turning your goals into reality.   Book your FREE Music Mastery Experience Discovery call with Renée HERE Book your free consultation with Renée HERE Download the transcript from this episode HERE   Yoga for All Musicians ·         Website: https://www.yogaforallmusicians.com/ ·         Instagram: https://www.instagram.com/yogaforallmusicians/ ·         Facebook: https://www.facebook.com/YogaforAllMusicians ·         Their podcast on Spotify: https://open.spotify.com/user/uif3r1ampypupkhj12tzgzpvx ·         Their app: o   Android: https://apps.apple.com/us/app/fit-by-wix/id1552621043 o   Apple: https://apps.apple.com/us/app/fit-by-wix/id1552621043   Mind Over Finger Click www.mindoverfinger.com/coaching to book your free consultation with me. Visit MindOverFinger.com for my online courses as well as free resources on peak performance. Grab my free workshops and PDF downloads by going to www.mindoverfinger.com/resources. Connect: https://www.youtube.com/@MindOverFinger https://www.facebook.com/mindoverfinger/ https://www.facebook.com/groups/mindoverfinger https://www.instagram.com/mindoverfinger/     THANK YOU: Most sincere thank you to composer Jim Stephenson who graciously provided the show's musical theme:  Concerto #1 for Trumpet and Chamber Orchestra – Movement 2: Allegro con Brio, performed by Jeffrey Work, trumpet, and the Lake Forest Symphony, conducted by Jim Stephenson.

In this eighth installment, James continues the conversation on real estate and the Infinite Banking Concept®. He shares clips highlighting how policy loans provide speed, control, and flexibility for funding projects, managing rentals, and seizing opportunities without relying on traditional lenders. As always, we hope you enjoy the episode and thank you for listening. Make sure to like and subscribe to join us weekly on the Banking With Life Podcast!━━━Become a client!➫ https://www.bankingwithlife.com/how-to-fast-track-becoming-your-own-bankerBuy Nelson Nash's 6.5 hour Seminar on DVD here:➫ https://www.bankingwithlife.com/product/the-5-part-6.5-hour-video-series-nelson-nash-recorded-live/(Call us at (817) 790-0405 or email us at myteam@bankingwithlife.com for a DISCOUNT CODE)Register for our free webinar to learn more about Infinite Banking...➫ https://www.bankingwithlife.com/getting-started-webinar━━━Implement the Infinite Banking Concept® with the Infinite Banking Starter Kit...The Starter Kit includes Becoming Your Own Banker by R. Nelson Nash and the Banking With Life DVD by James Neathery.It's the perfect primer for everyone interested in becoming their own banker.Buy your starter kit here:➫ https://www.bankingwithlife.com/product/becoming-your-own-banker-infinite-banking-concept-starter-kit-special-offer/━━━Learn more about James Neathery here:➫ https://bankingwithlife.com━━━Listen on your iPhone with Apple Podcasts:➫ https://podcasts.apple.com/us/podcast/banking-with-life-podcast/id1451730017Listen on your Android through Stitcher:➫ https://www.stitcher.com/podcast/bank...Listen on Soundcloud:➫ https://soundcloud.com/banking-with-life-podcast━━━Follow us on Facebook:➳ https://www.facebook.com/jamescneathery/━━━Disclaimer:All content on this site is for informational purposes only. The content shared is not intended to be a substitute for consultation with the appropriate professional. Opinions expressed herein are solely those of James C. Neathery & Associates, Inc., unless otherwise specifically cited. The data that is presented is believed to be from reliable sources and no representations are made by James C. Neathery & Associates, Inc. as to another party's informational accuracy or completeness. All information or ideas provided should be discussed in detail with your Adviser, Financial Planner, Tax Consultant, Attorney, Investment Adviser or the appropriate professional prior to taking any action.

Darius Acuff goes for 49 against Alabama, we talk wind, Android vs IPhone and Grill Bill Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

We are not able to reconcile ourselves to God.  He completely reconciled all things, including us, to Himself by the work of Christ, resulting in peace.  He makes us new creatures on the inside while we are still in the same decaying sinful bodies.  We are being changed from one state to another as we keep faithing: ungodly made godly, sinners made saints, enemies turned allies, aliens brought close, strangers no longer estranged, and far off brought near.  2 Corinthians 5:18-20 Watch, Listen and Learn 24x7 at PastorMelissaScott.com Pastor Melissa Scott teaches from Faith Center in Glendale. Call 1-800-338-3030 24x7 to leave a message for Pastor Scott. You may make reservations to attend a live service, leave a prayer request or make a commitment. Pastor Scott appreciates messages and reads them often during live broadcasts. Follow @Pastor_Scott on Twitter and visit her official Facebook page @Pastor.M.Scott. Download Pastor Scott's "Understand the Bible" app for iPhone, iPad and iPod at the Apple App Store and for Android devices in the Google Store. Pastor Scott can also be seen 24x7 on Roku and Amazon Fire on the "Understand the Bible?" channel. ©2026 Pastor Melissa Scott, Ph.D., All Rights Reserved

ON THIS EPISODE: (TIME STAMPS BELOW) A review of Good Luck, Have Fun, Don't Die and first impressions of the new video game Star Trek Voyager: Across The Unknown, along with a bonus review for the movie The Dreadful! Also, a look at the particular relevance Psalm 23 has to Christian Geeks! ‍ ‍ ‍ ‍ AND MUCH MORE! 00:00:30 Intro 00:04:40 Good Luck, Have Fun, Don't Die Review 00:18:04 CGC & Christian Geek News(Winter's Dawn by Morgan L Busse) 00:22:29 Star Trek Voyager: Across The Unknown (First Impressions) 01:08:56 Psalm 23 (Geek Bible Study) 01:20:45 The Dreadful Review ‍ ‍ GEEK WEEK 01:35:20 AUDIO DRAMAS: Neuverse Media Podcast, DC High Volume Batman: The Long Halloween & Batman: Dark Victory ‍ ‍ 01:48:43 MOVIES/TV SHOWS: Dark Season 3, The Pod Generation, Star Trek: Voyager, ‍ ‍ 02:00:35 VIDEO GAMES: No Man's Sky Remnant Content & Expedition AND FAST NANITE FARMING METHOD ‍ ‍ 02:19:18 On The Next Episode ‍ ‍ FREE STUFF BELOW! ‍ ‍ Get The Wonderful Wizard Of Oz & More Audio Entertainment From Spirit Blade Productions HERE: https://www.patreon.com/posts/44479037 or on youtube at https://www.youtube.com/watch?v=XNC7Qz41mx8 ‍ ‍ Visit Our In-Game “No Man's Sky” Base With TONS Of Free Resources! At any Euclid Galaxy Glyph Portal, enter the glyphs corresponding to this sequence: 4,2,15,6,16,8,7,9,4,5,6,13 (Top row of glyphs is 1-8, bottom row is 9-16) ‍ ‍ Support this podcast and enjoy exclusive rewards at https://www.patreon.com/spiritbladeproductions ‍ ‍ Join Our Free Public Discord Channels! Invite HERE: https://discord.gg/5CRfFy2GG5 ‍ ‍ SUBSCRIBE TO PAETER'S SUBSTACK, @PAETERFRANDSEN: https://paeterfrandsen.substack.com/ ‍ ‍ Subscribe in a reader ‍ ‍ Open In i-tunes- itms://itunes.apple.com/us/podcast/the-christian-geek-central-podcast/id258963175?mt=2 i-tunes Page Link- https://itunes.apple.com/us/podcast/the-christian-geek-central-podcast/id258963175?mt=2 Get fun, exclusive rewards for your support! Visit: https://www.patreon.com/spiritbladeproductions Or Become a Patron! ‍ ‍ All episodes are archived and available for download at www.spiritblade.com , Resources used to prepare CGC Bible Study/Devotional content include:"Expositor's Bible Commentary", Frank E. Gaebelein General Editor (Zondervan Publishing House),"The IVP Bible Background Commentary: Old Testament", by Dr. John H. Walton, Dr. Victor H. Matthews & Dr. Mark W. Chavalas (InterVarsity Press), "The IVP Bible Background Commentary: New Testament", by Dr. Craig S. Keener (InterVarsity Press),Thayer's Greek Lexicon, Strong's Exhaustive Concordance Blueletterbible.org, The Christian Geek Central Statement Of Faith can be found at: http://christiangeekcentral.blogspot.com/p/about.html The Christian Geek Central Podcast is written, recorded and produced by Paeter Frandsen. Additional segments produced by their credited authors. Logo created by Matthew Silber. Copyright 2007-2026, Spirit Blade Productions. Music by Wesley Devine, Bjorn A. Lynne, Pierre Langer, Jon Adamich, audionautix.com and Sound Ideas. Spazzmatica Polka by Kevin MacLeod (incompetech.com) Freesound.org effects provided by: FreqMan

Dr. Claire Plumbly is a clinical psychologist, trauma specialist, and author dedicated to helping people understand burnout and reconnect with themselves through compassionate, body-based healing. As the founder of Plum Psychology and an EMDR consultant based in the UK, Claire has spent her career supporting individuals recovering from chronic stress, trauma, and burnout. Through her one-to-one therapy work, intensive EMDR programs, and her book The Trauma of Burnout, Claire combines neuroscience, psychology, and practical regulation tools to help people move beyond survival mode and rediscover safety, clarity, and emotional balance. In this episode, host Shay Beider and Dr. Plumbly explore the crucial differences between stress and burnout, highlighting burnout as a syndrome characterized by emotional and physical exhaustion, detachment from what once brought joy, and reduced effectiveness in daily life. Claire shares how our autonomic nervous system shapes our ability to feel safe, think clearly, and connect with others, introducing accessible tools such as breathing exercises, the physiological sigh, progressive muscle relaxation, and bilateral tapping to help regulate the nervous system. Shay and Claire discuss the importance of boundaries, the impact of feeling "tired but wired," and the power of grounding techniques like the 5-4-3-2-1 method. Together, they explore the concept of "glimmers"—small cues of safety and joy that help restore balance—as well as embodied affirmations and compassion-focused therapy, which encourage people to relate to themselves with kindness rather than criticism. Their conversation offers practical and hopeful reminders that healing from burnout begins with learning to listen to the body, cultivate safety, and reconnect with what helps us feel whole again. Show Notes: Learn more about Plum Psychology here Read Claire's book here Download the Self Compassion app for Apple products here and Google products here Download the Heart Math app for Apple products here and Android products here This podcast was created by Integrative Touch (InTouch), which is changing healthcare through human connectivity. A leader in the field of integrative medicine, InTouch exists to alleviate pain and isolation for anyone affected by illness, disability or trauma. This includes kids and adults with cancers, genetic conditions, autism, cerebral palsy, traumatic stress, and other serious health issues. The founder, Shay Beider, pioneered a new therapy called Integrative Touch™Therapy that supports healing from trauma and serious illness. The organization provides proven integrative medicine therapies, education and support that fill critical healthcare gaps. Their success is driven by deep compassion, community and integrity.  Each year, InTouch reaches thousands of people at the Integrative Touch Healing Center, both in person and through Telehealth. Thanks to the incredible support of volunteers and contributors, InTouch created a unique scholarship model called Heal it Forward that brings services to people in need at little or no cost to them. To learn more or donate to Heal it Forward, please visit IntegrativeTouch.org

PONG is one of the longest- and most consistently circulating video games. Released in 1972, it remains at our fingertips as Android or iOS app, hosted at freepong.org and the Internet Archive, and even released as A Tiny Game of Pong for the Apple Watch. Despite its simplicity and ubiquity, Atari's PONG encapsulates far more than the history of a video game and an iconic game company. King PONG: How Atari Bounced Across Markets to Make Millions (MIT Press, 2026) is the first book dedicated to an unassuming game that changed the world. Through the prisms of product positioning, market development, and category creation, Professor Raiford Guins answers the question of why Atari's inaugural product succeeded and why it endures.The author of Game After and Atari Design, and an excavator of the “Atari landfill” in New Mexico, Professor Guins brings us a unique history that reconsiders the launch of Atari's PONG through the lens of the company's business practices. He follows the young Silicon Valley startup from its early days of positioning its new product within the existing coin-op amusement industry to its establishment of a consumer industry for home video games—a story of remarkable market development innovation. Written with a passion for video games and a historian's insight, the book animates the business exploits of one of the fastest growing and most influential companies ever. This interview was conducted by Dr. Miranda Melcher whose book focuses on post-conflict military integration, understanding treaty negotiation and implementation in civil war contexts, with qualitative analysis of the Angolan and Mozambican civil wars. You can find Miranda's interviews on New Books with Miranda Melcher, wherever you get your podcasts. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/new-books-network

In this episode of Intermittent Fasting Stories, Gin talks to Liz Barlak from Mount Pleasant, WI.Join Gin in the new Fast Feast Repeat app for The Grown-Up Year: 52 Weeks to Listen, Play, and Nourish, as well as a growing collection of intermittent fasting resources. Go to app.fastfeastrepeat.com to join us or go to the App Store and download the Fast Feast Repeat app, available for both iPhone and Android.Are you ready to take your intermittent fasting lifestyle to the next level? There's nothing better than community to help with that. In the Delay, Don't Deny community we all embrace the clean fast, and there's just the right support for you as you live your intermittent fasting lifestyle. You can connect directly with Gin in the Ask Gin group, and she will answer all of your questions personally. If you're new to intermittent fasting or recommitting to the IF lifestyle, join the 28-Day FAST Start group. After your fast start, join us for support in The 1st Year group. Need tips for long term maintenance? We have a place for that! There are many more useful spaces beyond these, and you can interact in as many as you like. Visit ginstephens.com/community to join us. An annual membership costs just over a dollar a week when you do the math. If you aren't ready to fully commit for a year, join for a month and you can cancel at any time. If you know you'll want to stay forever, we also have a lifetime membership option available. IF is free. You don't need to join our community to fast. But if you're looking for support from a community of like-minded IFers, we are here for you at ginstephens.com/community. Liz is retired from a sales career. She first heard about intermittent fasting in 2016, when a friend recommended Gin's work, but even though she was inspired by Gin's story, she didn't think intermittent fasting was for her. At 5' 4”, she was stuck at a weight set point of around 152 pounds, even though she could lose weight—but then she would go right back up to 152 pounds, and she didn't feel good in her body.In the summer of 2020, she started working out consistently, and her friend and trainer recommended intermittent fasting. She still didn't think she could do it—until one day in November. On November 11, she woke up and started fasting clean that day. She has been fasting ever since.She now weighs 122 pounds, and has lost the constant food noise that plagued her prior to becoming an intermittent faster. She is on a muscle-building journey, and at the age of 66, her daily eating window from 11-6 each day plus working out allows her to easily build muscle and she feels strong and also feels comfortable in her body. At the end of the episode, Liz tells new intermittent fasters that it's simple—just start by skipping breakfast.Join Gin in the new Fast Feast Repeat app for The Grown-Up Year: 52 Weeks to Listen, Play, and Nourish, as well as a growing collection of intermittent fasting resources. Go to app.fastfeastrepeat.com to join us or go to the App Store and download the Fast Feast Repeat app, available for both iPhone and Android.Get Gin's books at: https://www.ginstephens.com/get-the-books.html. Good news! The second edition of Delay, Don't Deny is now available in ebook, paperback, hardback, and audiobook. This is the book that you'll want to start with or share with others, as it is a simple introduction to IF. It's been updated to include the clean fast, an easier to understand and more thorough description of ADF and all of your ADF options, and an all new success stories section. When shopping, make sure to get the second edition, which has a 2024 publication date. The audiobook for the second edition is available now! Join Gin's community! Go to: ginstephens.com/communityDo you enjoy Intermittent Fasting Stories? You'll probably also like Gin's other podcast with cohost Sheri Bullock: Fast. Feast. Repeat. Intermittent Fasting for Life. Find it wherever you listen to podcasts. Share your intermittent fasting stories with Gin: gin@intermittentfastingstories.comVisit Gin's website at: ginstephens.com Check out Gin's Favorite Things at http://www.ginstephens.com/gins-favorite-things.htmlSubscribe to Gin's YouTube Channel! https://www.youtube.com/channel/UC_frGNiTEoJ88rZOwvuG2CASee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Christine, a 73-year-old living with Type 1 for 67 years, reflects on the evolution of diabetes tech and the resilience required to thrive through nearly seven decades of management. Free Juicebox Community (non Facebook) Type 1 Diabetes Pro Tips - THE PODCAST Eversense CGM Medtronic Diabetes Tandem Mobi ** Use code JUICEBOX to save 40% at Cozy Earth  CONTOUR NextGen smart meter and CONTOUR DIABETES app Dexcom G7 Go tubeless with Omnipod 5 or Omnipod DASH * Get your supplies from US MED  or call 888-721-1514 Touched By Type 1 Take the T1DExchange survey Apple Podcasts> Subscribe to the podcast today! The podcast is available on Spotify, Google Play, iHeartRadio, Radio Public, Amazon Music and all Android devices The Juicebox Podcast is a free show, but if you'd like to support the podcast directly, you can make a gift here or buy me a coffee. Thank you! *The Pod has an IP28 rating for up to 25 feet for 60 minutes. The Omnipod 5 Controller is not waterproof.  ** t:slim X2 or Tandem Mobi w/ Control-IQ+ technology (7.9 or newer). RX ONLY. Indicated for patients with type 1 diabetes, 2 years and older. BOXED WARNING:Control-IQ+ technology should not be used by people under age 2, or who use less than 5 units of insulin/day, or who weigh less than 20 lbs. Safety info: tandemdiabetes.com/safetyinfo Disclaimer - Nothing you hear on the Juicebox Podcast or read on Arden's Day is intended as medical advice. You should always consult a physician before making changes to your health plan.  If the podcast has helped you to live better with type 1 please tell someone else how to find it!  

Dennis Prager. The Moral God.  ------------------------------------------------------------------------ For a great archive of Prager University videos visit- https://www.youtube.com/user/PragerUniversity/featured   Donate today to PragerU! http://l.prageru.com/2eB2p0h Get PragerU bonus content for free! https://www.prageru.com/bonus-content Download Pragerpedia on your iPhone or Android! Thousands of sources and facts at your fingertips. iPhone: http://l.prageru.com/2dlsnbG Android: http://l.prageru.com/2dlsS5e Join Prager United to get new swag every quarter, exclusive early access to our videos, and an annual TownHall phone call with Dennis Prager! http://l.prageru.com/2c9n6ys Join PragerU's text list to have these videos, free merchandise giveaways and breaking announcements sent directly to your phone! https://optin.mobiniti.com/prageru Do you shop on Amazon? Click https://smile.amazon.com and a percentage of every Amazon purchase will be donated to PragerU. Same great products. Same low price. Shopping made meaningful. VISIT PragerU! https://www.prageru.com FOLLOW us! Facebook: https://www.facebook.com/prageru Twitter: https://twitter.com/prageru Instagram: https://instagram.com/prageru/ PragerU is on Snapchat! JOIN PragerFORCE! For Students: http://l.prageru.com/2aozfkP JOIN our Educators Network! http://l.prageru.com/2aoz2y9 -------------------------------------------------------------------- The Rational Bible: Exodus by Dennis Prager   NATIONAL BESTSELLER "Dennis Prager has put together one of the most stunning commentaries in modern times on the most profound document in human history. It's a must-read that every person, religious and non-religious, should buy and peruse every night before bed. It'll make you think harder, pray more ardently, and understand your civilization better." — Ben Shapiro, host of "The Ben Shapiro Show" "Dennis Prager's commentary on Exodus will rank among the greatest modern Torah commentaries. That is how important I think it is. And I am clearly not alone... It might well be on its way to becoming the most widely read Torah commentary of our time—and by non-Jews as well as by Jews." — Rabbi Joseph Telushkin, bestselling author of Jewish Literacy Why do so many people think the Bible, the most influential book in world history, is outdated? Why do our friends and neighbors – and sometimes we ourselves – dismiss the Bible as irrelevant, irrational, immoral, or all of these things? This explanation of the Book of Exodus, the second book of the Bible, will demonstrate that the Bible is not only powerfully relevant to today's issues, but completely consistent with rational thought. Do you think the Bible permitted the trans-Atlantic slave trade? You won't after reading this book. Do you struggle to love your parents? If you do, you need this book. Do you doubt the existence of God because belief in God is “irrational?” This book will give you reason after reason to rethink your doubts. The title of this commentary is, “The Rational Bible” because its approach is entirely reason-based. The reader is never asked to accept anything on faith alone. As Prager says, “If something I write does not make rational sense, I have not done my job.” The Rational Bible is the fruit of Dennis Prager's forty years of teaching the Bible to people of every faith, and no faith. On virtually every page, you will discover how the text relates to the contemporary world and to your life. His goal: to change your mind – and then change your life.   Highly Recommended by ACU. Purchase his book at- https://www.amazon.com/Rational-Bible-Exodus-Dennis-Prager/dp/1621577724   The Rational Bible: Genesis by Dennis Prager  USA Today bestseller Publishers Weekly bestseller Wall Street Journal bestseller Many people today think the Bible, the most influential book in world history, is not only outdated but irrelevant, irrational, and even immoral. This explanation of the Book of Genesis, the first book of the Bible, demonstrates clearly and powerfully that the opposite is true. The Bible remains profoundly relevant—both to the great issues of our day and to each individual life. It is the greatest moral guide and source of wisdom ever written. Do you doubt the existence of God because you think believing in God is irrational? This book will give you many reasons to rethink your doubts. Do you think faith and science are in conflict? You won't after reading this commentary on Genesis. Do you come from a dysfunctional family? It may comfort you to know that every family discussed in Genesis was highly dysfunctional! The title of this commentary is “The Rational Bible” because its approach is entirely reason-based. The reader is never asked to accept anything on faith alone. In Dennis Prager's words, “If something I write is not rational, I have not done my job.” The Rational Bible is the fruit of Dennis Prager's forty years of teaching the Bible—whose Hebrew grammar and vocabulary he has mastered—to people of every faith and no faith at all. On virtually every page, you will discover how the text relates to the contemporary world in general and to you personally. His goal: to change your mind—and, as a result, to change your life.   The Rational Bible: Deuteronomy: God, Blessings, and Curses by Dennis Prager Is the Bible, the most influential book in world history, still relevant? Why do people dismiss it as being irrelevant, irrational, immoral, or all of these things? This explanation of the Book of Deuteronomy, the fifth book of the Bible, will demonstrate how it remains profoundly relevant - both to the great issues of our day and to each individual life. Do you doubt the existence of God because you think believing in God is irrational? This book will cause you to reexamine your doubts. The title of this commentary is The Rational Bible because its approach is entirely reason-based. The listener is never asked to accept anything on faith alone. In Dennis Prager's words, “If something I write is not rational, I have not done my job.” The Rational Bible is the fruit of Prager's forty years of teaching to people of every faith and no faith at all. In virtually every section, you will discover how the text relates to the contemporary world in general and to you on a personal level. His goal: to change your mind - and, as a result, to change your life.