Podcasts about Android

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    Best podcasts about Android

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    Latest podcast episodes about Android

    Juicebox Podcast: Type 1 Diabetes

    Dr. Beachgem (@Beachgem10) is a board-certified pediatric emergency medicine physician and a massive, trusted voice on TikTok, Facebook, and Instagram. She translates real ER experience into simple, actionable advice for parents—helping families decide what's normal, what's urgent, and what to do next. Private Facebook Group for Juicebox Free Juicebox Community (non Facebook) Get your supplies from US MED  or call 888-721-1514 Tandem Mobi ** Eversense CGM Medtronic Diabetes Type 1 Diabetes Pro Tips - THE PODCAST twiist AID System 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 * 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 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!

    Behind The Knife: The Surgery Podcast
    Behind the Knife ABSITE 2026 - Thyroid

    Behind The Knife: The Surgery Podcast

    Play Episode Listen Later Dec 3, 2025 18:24


    Behind the Knife ABSITE 2026 – Up-to-date and high yield learning to help you DOMINATE the exam. Don't forget to check out our ABSITE Podcast Companion Book available on Amazon: https://www.amazon.com/Behind-Knife-ABSITE-Podcast-Companion/dp/B0CLDQWZG3/ref=monarch_sidesheet Be sure to check out our free study aid, which includes all 32 review episodes, brief written summaries, high yield images, and flash cards. Simply create an account on our iOS or Android app or on our website and you will find the entire course in your Library.  Apple App Store: https://apps.apple.com/us/app/behind-the-knife/id1672420049 Google Play App Store: https://play.google.com/store/apps/details?id=com.btk.app Behind the Knife would like to sincerely thank Medtronic for sponsoring the entire 2026 ABSITE podcast series.  Medtronic has a rich history of supporting surgical education, and we couldn't be happier that they chose to partner with Behind the Knife.  Learn more at https://www.medtronic.com/en-us/index.html If you like the work that Behind the Knife is doing, please leave us a review wherever you listen to podcasts.   Please visit https://behindtheknife.org to access other high-yield surgical education podcasts, videos and more.   Check out our recent episodes here: https://behindtheknife.org/listen Behind the Knife Premium: General Surgery Oral Board Review Course: https://behindtheknife.org/premium/general-surgery-oral-board-review Trauma Surgery Video Atlas: https://behindtheknife.org/premium/trauma-surgery-video-atlas Dominate Surgery: A High-Yield Guide to Your Surgery Clerkship: https://behindtheknife.org/premium/dominate-surgery-a-high-yield-guide-to-your-surgery-clerkship Dominate Surgery for APPs: A High-Yield Guide to Your Surgery Rotation: https://behindtheknife.org/premium/dominate-surgery-for-apps-a-high-yield-guide-to-your-surgery-rotation Vascular Surgery Oral Board Review Course: https://behindtheknife.org/premium/vascular-surgery-oral-board-audio-review Colorectal Surgery Oral Board Review Course: https://behindtheknife.org/premium/colorectal-surgery-oral-board-audio-review Surgical Oncology Oral Board Review Course: https://behindtheknife.org/premium/surgical-oncology-oral-board-audio-review Cardiothoracic Oral Board Review Course: https://behindtheknife.org/premium/cardiothoracic-surgery-oral-board-audio-review

    The Line with Ashley Wood
    Opening to Life: The Miracles of the Dark Season

    The Line with Ashley Wood

    Play Episode Listen Later Dec 3, 2025 58:50


    In this episode of Light of the Way, Ashley opens the month of December with the first real breath after Mercury retrograde. She shares how the snow, the winter sky, and the green ocean trail revealed a new clarity — the kind that arrives only when you stop resisting the season of life that you're in. She speaks about the dark time of year and why aligning with it matters: waking with the sun, slowing down, resting more, going outside, honouring the natural rhythm instead of fighting it. This season isn't meant to be productive; it's meant to soften you open. From there, Ashley shares a miracle that happened in the apple aisle at Whole Foods, and another moment of recognition that followed. These moments brought her into a full understanding that there is no shame in anything we walk through. Everything is unfolding exactly as it should. Finally, she shares what's happening inside A Line Within this month, including the December 20th ceremony, and the inspiring energy she's feeling now that she's broken the glass ceiling she unknowingly placed upon herself. This episode is an opening — to life, to miracles, to winter, and to the truth of why we are here. * * * * * * * * * * * *  The GUIDED Membership: Everyday Support for Your Awakening — workshops, live satsang, tools and community all in one place. BOOK Journey Home Akashic Records Reading with Faith O'Higgins  Path to Home on iOS Path to Home on Android How to do the Line Activation  Receive a FREE Line Activation  I Wrote a Book and Forgot to Talk About It | Light of the Way Substack How to Embrace and Love the Darker Season | Light of the Way Substack SHOP Juuso's Paintings  DOWNLOAD OUR APP on iOS DOWNLOAD OUR APP on Android Learn more about our work, offerings, and upcoming events at alnwithin.com Follow on Instagram @alnwithin and TikTok @alnwithin

    The Next Right Thing
    380: Wait for the Light

    The Next Right Thing

    Play Episode Listen Later Dec 2, 2025 10:13


    It's the last episode of the year and I'm glad to welcome the season of Advent together with you. I hope you'll listen in. LINKS + RESOURCES FROM THIS EPISODE: You can download The Quiet Collection app for iPhone or Android right here.  If you get LIGHT (the new 2025 Collection) by December 7 you'll receive an invite to join me for a free Live Guided Advent Reflection. I hope to see you there! FIND EMILY ELSEWHERE: Watch this episode on YouTube Leave a review on Apple Podcasts Download The Quiet Collection app Join The Soul Minimalist Substack Order a How to Walk into a Room Download the free discussion guide for How to Walk into a Room by visiting this page and clicking the button "Discussion Guide" Download the transcript

    Juicebox Podcast: Type 1 Diabetes
    #1697 Que Dallara, EVP & President at Medtronic Diabetes

    Juicebox Podcast: Type 1 Diabetes

    Play Episode Listen Later Dec 2, 2025 52:12


    Scott talks with MiniMed leader Que Dallara about her refugee-to-CEO story, Medtronic's spin-off, new MiniMed name, 780G automation, upcoming sensors and pumps, and the dream of hands-free diabetes tech. Medtronic Diabetes Free Juicebox Community (non Facebook) Type 1 Diabetes Pro Tips - THE PODCAST Eversense CGM Tandem Mobi ** twiist AID System Drink AG1.com/Juicebox 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!  

    Behind The Knife: The Surgery Podcast
    Behind the Knife ABSITE 2026 - Head and Neck

    Behind The Knife: The Surgery Podcast

    Play Episode Listen Later Dec 2, 2025 20:52


    Behind the Knife ABSITE 2026 – Up-to-date and high yield learning to help you DOMINATE the exam. Don't forget to check out our ABSITE Podcast Companion Book available on Amazon: https://www.amazon.com/Behind-Knife-ABSITE-Podcast-Companion/dp/B0CLDQWZG3/ref=monarch_sidesheet Be sure to check out our free study aid, which includes all 32 review episodes, brief written summaries, high yield images, and flash cards. Simply create an account on our iOS or Android app or on our website and you will find the entire course in your Library.  Apple App Store: https://apps.apple.com/us/app/behind-the-knife/id1672420049 Google Play App Store: https://play.google.com/store/apps/details?id=com.btk.app Behind the Knife would like to sincerely thank Medtronic for sponsoring the entire 2026 ABSITE podcast series.  Medtronic has a rich history of supporting surgical education, and we couldn't be happier that they chose to partner with Behind the Knife.  Learn more at https://www.medtronic.com/en-us/index.html If you like the work that Behind the Knife is doing, please leave us a review wherever you listen to podcasts.   Please visit https://behindtheknife.org to access other high-yield surgical education podcasts, videos and more.   Check out our recent episodes here: https://behindtheknife.org/listen Behind the Knife Premium: General Surgery Oral Board Review Course: https://behindtheknife.org/premium/general-surgery-oral-board-review Trauma Surgery Video Atlas: https://behindtheknife.org/premium/trauma-surgery-video-atlas Dominate Surgery: A High-Yield Guide to Your Surgery Clerkship: https://behindtheknife.org/premium/dominate-surgery-a-high-yield-guide-to-your-surgery-clerkship Dominate Surgery for APPs: A High-Yield Guide to Your Surgery Rotation: https://behindtheknife.org/premium/dominate-surgery-for-apps-a-high-yield-guide-to-your-surgery-rotation Vascular Surgery Oral Board Review Course: https://behindtheknife.org/premium/vascular-surgery-oral-board-audio-review Colorectal Surgery Oral Board Review Course: https://behindtheknife.org/premium/colorectal-surgery-oral-board-audio-review Surgical Oncology Oral Board Review Course: https://behindtheknife.org/premium/surgical-oncology-oral-board-audio-review Cardiothoracic Oral Board Review Course: https://behindtheknife.org/premium/cardiothoracic-surgery-oral-board-audio-review

    HVAC School - For Techs, By Techs
    The Tech That Tried to Beat the Compressor - Short #268

    HVAC School - For Techs, By Techs

    Play Episode Listen Later Dec 2, 2025 12:43


    In this short podcast episode, Bryan tells the story of the technology that tried to beat the compressor... and still may someday. We associate cooling with refrigerant... and all the things that come with it, including compressor noise, oil, recovery machines and tanks, leaks, superheat, and regulations. However, there is a means of providing cooling with two pieces of metal and several semiconductors; current runs through it, and one side becomes cold, and the other side becomes hot. This technology is called thermoelectric cooling, associated with the Peltier effect. In 1834, French watchmaker and amateur physicist Jean Charles Athanase Peltier was experimenting with electricity and dissimilar metals. When he joined two wires of different materials and ran current through the junction, one got colder, and the other one got hotter. This phenomenon was named the Peltier effect, and it describes how passing electrical current through two dissimilar conductors causes heat to move from one side to the other, like a tiny reversible heat pump. However, it didn't have any practical use at the time. Semiconductors arrived in the mid-1900s, and engineers could make thermoelectric devices strong enough to move meaningful amounts of heat. In the 1960s, NASA even began using the technology in spacecraft for precision temperature control, which was hardy and allowed them to stabilize sensors and electronics in space. We began using them on Earth in some specialized applications, including portable coolers, wine chillers, and CPU coolers in computers. However, this technology didn't replace vapor-compression refrigeration due to efficiency constraints and the need to reject heat. Thermoelectric modules are only 5-10% as efficient as vapor-compression systems, and they need heat sinks or fans to give the heat somewhere to go. We've still been pursuing a comfort cooling use of the Peltier effect, and we've gotten closer, but most applications still have the efficiency block. When efficiency isn't a problem, we encounter difficulties with moisture and latent heat removal. Nevertheless, thermoelectric cooling is still making a difference for sensors and in localized cooling applications.   Have a question that you want us to answer on the podcast? Submit your questions at https://www.speakpipe.com/hvacschool. Purchase your tickets or learn more about the 7th Annual HVACR Training Symposium at https://hvacrschool.com/symposium. Subscribe to our podcast on your iPhone or Android. Subscribe to our YouTube channel. Check out our handy calculators here or on the HVAC School Mobile App for Apple and Android.

    The CyberWire
    ShadyPanda's patient poisoning.

    The CyberWire

    Play Episode Listen Later Dec 2, 2025 22:13


    ShadyPanda plays the long game. India mandates tracking software on mobile devices. Korea weighs punitive damages after a massive breach. Qualcomm patches a critical boot flaw impacting millions. OpenAI patches a Codex CLI vulnerability. Google patches Android zero-days. Cybersecurity issues prompt an FDA permanent recall for an at-home ventilator system. Switzerland questions the security of hyperscale clouds and SaaS services. One of the world's largest cyber insurers pulls back from the market. On our Threat Vector segment, ⁠David Moulton⁠ sits down with ⁠Stav Setty to unpack the Jingle Thief campaign.  In Russia, Porsches take a holiday.  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. Threat Vector segment In today's Threat Vector segment, host ⁠David Moulton⁠, Senior Director of Thought Leadership for Unit 42, sits down with ⁠Stav Setty⁠, Principal Researcher at Palo Alto Networks, to unpack Jingle Thief a cloud-only, identity-driven campaign that turned Microsoft 365 into a gift card printing press. Stav explains how the Morocco-based group known as Atlas Lion lived off the land inside M365 for months at a time, using tailored phishing and smishing pages, URL tricks, and internal phishing to compromise one user and quietly pivot to dozens more. To listen to the full conversation on Threat Vector, listen here. You can catch new episodes of Threat Vector every Thursday on your favorite podcast app.  Selected Reading Browser extensions pushed malware to 4.3M Chrome, Edge users (The Register) India plans to verify and record every smartphone in circulation (TechCrunch) Apple to Resist India's Order to Preload Government App on iPhones (MacRumors) President orders probe into Coupang breach (The Korea Herald) Qualcomm Alerts Users to Critical Flaws That Compromise the Secure Boot Process (GB Hackers) Vulnerability in OpenAI Coding Agent Could Facilitate Attacks on Developers (SecurityWeek) Google Releases Patches for Android Zero-Day Flaws Exploited in the Wild (Infosecurity Magazine) 'Cyber Issue' Leads to FDA Recall of Baxter Respiratory Gear (GovInfoSecurity) Swiss government bans SaaS and cloud for sensitive info (The Register) Publication: Resolution on outsourcing data processing to the cloud (Privatim) Insurer Beazley Steps Back From Cyber Market as Attacks Surge (PYMNTS.com) Hundreds of Porsche Owners in Russia Unable to Start Cars After System Failure (The Moscow Times) 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

    The BOB & TOM Show Free Podcast
    The BOB & TOM Show - December 2, 2025

    The BOB & TOM Show Free Podcast

    Play Episode Listen Later Dec 2, 2025 172:38


    SANS Internet Stormcenter Daily Network/Cyber Security and Information Security Stormcast
    SANS Stormcast Tuesday, December 2nd, 2025: Analyzing ToolShell from Packdets; Android Update; Long Game Malicious Browser Ext.

    SANS Internet Stormcenter Daily Network/Cyber Security and Information Security Stormcast

    Play Episode Listen Later Dec 2, 2025 5:49


    Hunting for SharePoint In-Memory ToolShell Payloads A walk-through showing how to analyze ToolShell payloads, starting with acquiring packets all the way to decoding embedded PowerShell commands. https://isc.sans.edu/diary/%5BGuest%20Diary%5D%20Hunting%20for%20SharePoint%20In-Memory%20ToolShell%20Payloads/32524 Android Security Bulletin December 2025 Google fixed numerous vulnerabilities with its December Android update. Two of these vulnerabilities are already being exploited. https://source.android.com/docs/security/bulletin/2025-12-01 4.3 Million Browsers Infected: Inside ShadyPanda's 7-Year Malware Campaign A group or individual released several browser extensions that worked fine for years until an update injected malicious code into the extension https://www.koi.ai/blog/4-million-browsers-infected-inside-shadypanda-7-year-malware-campaign

    Mark Price For 3
    Episode 162 | NCAA Hoops, NBA Hoops, Cavs, Rankings and more!

    Mark Price For 3

    Play Episode Listen Later Dec 2, 2025 31:08


    New episode out today covering a variety of sports. We look at the NCAA early season, NBA standings, NCAA Football matchups and of course, talk Cavs. Check out The Rivalry Podcast on Spotify, Apple Podcasts, or anywhere you listen to Podcasts! Visit Rivalpod.com for more behind the scene access! Download for iPhone and Android or stream at riverradio.com

    PINCH MY SALT
    EP 102 | The One Surfer to Rule Them All | Pinch My Salt

    PINCH MY SALT

    Play Episode Listen Later Dec 2, 2025 54:06


    Buck's Beat
    The Buck Belue Show 12-1-25 Hour 2

    Buck's Beat

    Play Episode Listen Later Dec 2, 2025 42:04


    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! Gunner Stockton’s performance Why Lane is at LSU Top 5 CF Nugget – National Signing Day Final Word See omnystudio.com/listener for privacy information.

    Buck's Beat
    The Buck Belue Show 12-1-25 Hour 1

    Buck's Beat

    Play Episode Listen Later Dec 2, 2025 47:45


    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 – Lane Kiffin chase is over What’s Poppin’ Bulldog Beat – Georgia-Alabama matchup CF Coaching Bounce Sting ‘Em - What’s next for Tech See omnystudio.com/listener for privacy information.

    RPG Next Podcast
    Micos, Vergonhas e Derretimentos | Neuronautas

    RPG Next Podcast

    Play Episode Listen Later Dec 2, 2025 64:14


      A VERGONHA É A ÚLTIMA QUE MORRE... Você já se deitou para dormir, mas não conseguiu pegar no sono porque se lembrou do dia em que saiu do banheiro da escola com papel higiênico preso na calça e só percebeu quando chegou em casa?. Sua mente ficou te torturando com esse embaraço e com a possibilidade de que seus antigos colegas, agora todos pais de família e bem-sucedidos em seus respectivos campos de trabalho, ainda pensam nisso? Pois estamos aqui para tirar esta dúvida torturante da sua cabeça. Sim, eles ainda pensam nisso. E essa foi sua maior contribuição para a vida escolar deles.Mas você não é o único!. Junte-se aos Neuronautas e ouça sobre outros incidentes vergonhosos que, no final das contas, podem atingir qualquer pessoa (MENTIRA! ISSO SÓ ACONTECE COM PERDEDORES!!!). Envie seus comentários para serem lidos no programa pro nosso e-mail: neuronautas@rpgnext.com.br Apoie nosso projeto e ajude-nos a continuar criando conteúdo incrível: https://apoia.se/rpgnext. E aproveite para entrar no nosso grupo oficial no Telegram: https://t.me/RpgNextOficial. Não se esqueça de conferir as vagas de RPG com mestres de aluguel em: https://rpgnext.com.br/loja. Com a participação de: Miguel Alves; Matheus Vasconcelos (Nerdscreen); Fernando Alves; Jonatan Paiva; Edição de: Jonatan Paiva. 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  20 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

    Buck and Kincade
    The Buck Belue Show 12-1-25 Hour 2

    Buck and Kincade

    Play Episode Listen Later Dec 2, 2025 42:04


    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! Gunner Stockton’s performance Why Lane is at LSU Top 5 CF Nugget – National Signing Day Final Word See omnystudio.com/listener for privacy information.

    Buck and Kincade
    The Buck Belue Show 12-1-25 Hour 1

    Buck and Kincade

    Play Episode Listen Later Dec 2, 2025 47:45


    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 – Lane Kiffin chase is over What’s Poppin’ Bulldog Beat – Georgia-Alabama matchup CF Coaching Bounce Sting ‘Em - What’s next for Tech See omnystudio.com/listener for privacy information.

    Zápisník zahraničních zpravodajů
    Nová tradice pro adventní neděle? Ve Varšavě je nadšení otužilci už devět slaví v plavkách a kulichu

    Zápisník zahraničních zpravodajů

    Play Episode Listen Later Dec 2, 2025 4:01


    Varšavský úsek Visly má hned několik vyhlášených pláží, ale u žádné z nich není dovolené se koupat. Neregulovaná řeka má totiž nerovné dno a nebezpečné jsou i silné proměnlivé proudy. Jednu z mála příležitostí, kdy se ve Visle vykoupat, tak přináší Škola otužování. Tu teď každou adventní neděli pořádá magistrát spolu s takzvanou Čtvrtí Visla a hlásí se na ni desítky zájemců.Všechny díly podcastu Zápisník zahraničních zpravodajů můžete pohodlně poslouchat v mobilní aplikaci mujRozhlas pro Android a iOS nebo na webu mujRozhlas.cz.

    Jak to vidí...
    Viktor Daněk, bývalý zpravodaj v Bruselu

    Jak to vidí...

    Play Episode Listen Later Dec 2, 2025 22:58


    Pohledy známých osobností na věci kolem nás. Moderuje Věra Štechrová.Všechny díly podcastu Jak to vidí... můžete pohodlně poslouchat v mobilní aplikaci mujRozhlas pro Android a iOS nebo na webu mujRozhlas.cz.

    Názory a argumenty
    Lukáš Jelínek: Doufat v definitivní rozetnutí Babišova střetu zájmů by bylo pošetilé

    Názory a argumenty

    Play Episode Listen Later Dec 2, 2025 3:34


    Nalijme si čistého vína. Příznivci Andreje Babiše se jeho střetu zájmů neobávají. Naopak odpůrci mu sotva kdy uvěří byť jen nos mezi očima. Předseda hnutí ANO přesto slibuje, že vše vyřeší v souladu se zákonem. Nic jiného mu nezbývá, chce-li se dočkat okamžiku, kdy jej prezident jmenuje příštím premiérem.Všechny díly podcastu Názory a argumenty můžete pohodlně poslouchat v mobilní aplikaci mujRozhlas pro Android a iOS nebo na webu mujRozhlas.cz.

    John Eldredge and Ransomed Heart (Audio)
    E852 | More Questions...More Answers!

    John Eldredge and Ransomed Heart (Audio)

    Play Episode Listen Later Dec 1, 2025 60:11


    We're back with more of your questions as Allen asks John his thoughts on the following: Does God allow ongoing suffering to build our character? How do you deal with a narcissistic spouse? Should we avoid praying out loud to prevent the enemy from hearing what we say to God? How do parents help young children understand evil without shattering their sense of safety? Will we see our beloved dogs again in the coming Kingdom?Show Notes: The three movies mentioned are On a Clear Day, Life is Beautiful, and Moana. The two books referenced are Walking with God by John Eldredge and Bold Love by Dan Allender. The podcast featuring Susie Larson is “How Can You Survive Without...? - Part 3” (October 27, 2025). Keep the questions coming! Send them to questions@wildatheart.org._______________________________________________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

    Juicebox Podcast: Type 1 Diabetes
    #1696 Down On My Knees

    Juicebox Podcast: Type 1 Diabetes

    Play Episode Listen Later Dec 1, 2025 59:55


    Cecilia discusses fighting for a Dexcom immediately after her daughter's diagnosis and using podcast education to achieve a 5.4 A1C despite limited medical guidance. 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  twiist AID System Free Juicebox Community (non Facebook) Eversense CGM Medtronic Diabetes Drink AG1.com/Juicebox Touched By Type 1 Take the T1DExchange survey Type 1 Diabetes Pro Tips - THE PODCAST 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! * Omnipod Wilmot E, et al. Presented at: ATTD; March 19-22, 2025; Amsterdam, NL. A 13-week randomized, parallel-group clinical trial conducted among 188 participants (age 4-70) with type 1 diabetes in France, Belgium, and the U.K., comparing the safety and effectiveness of the Omnipod 5 System versus multiple daily injections with CGM. 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. 

    The BOB & TOM Show Free Podcast
    The BOB & TOM Show - December 1, 2025

    The BOB & TOM Show Free Podcast

    Play Episode Listen Later Dec 1, 2025 172:47


    Get Rich Education
    582: 7 Proven Ways to Get a Lower Mortgage Rate with Caeli Ridge

    Get Rich Education

    Play Episode Listen Later Dec 1, 2025 39:35


    Keith discusses seven ways to get a lower mortgage rate, emphasizing the historical impact of the 1940s GI Bill on homeownership and wealth creation.  Caeli Ridge, founder of Ridge Lending Group, digs into smart tactics like adjustable rate mortgages, DSCR loans, and down payment options, plus insider tips on boosting your creditworthiness, timing your rate lock, and planning ahead so you can maximize your returns.  They also explore trends like 50-year mortgages and portable mortgages, and the benefits of FHA and VA loans for first-time buyers.  Resources: Want expert guidance on your next real estate investment or mortgage? Reach out to Ridge Lending Group for personalized support and a full range of loan options—whether you're a first-time buyer or seasoned investor. Visit ridgelendinggroup.com or call 855-74-RIDGE to take your next step! Episode Page: GetRichEducation.com/582 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 or text 'GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Welcome to GRE. I'm your host. Keith Weinhold, seven ways you can get a lower mortgage interest rate. We'll break them down loan types available to you that you never heard of, and learn how the 1940s GI Bill shaped the mortgage that you get today on get rich education   Speaker 1  0:22   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   Corey Coates  1:07   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education. You Keith,   Keith Weinhold  1:23   welcome to GRE from the Romanian Black Sea to the Egyptian Red Sea and across 188 nations worldwide. I'm Keith Weinhold, and this is the indefatigable get rich education before we discuss the seven ways that you can get a lower mortgage rate and more in the 1940s before my dad was born, the GI Bill gave veterans returning from World War Two access to cheap home loans, and that single policy decision might have done more to shape the modern American Housing landscape than Anything else in the last 100 years. Think about it, millions of young men, almost kids, really had just spent the better part of their early adulthood in Europe or the Pacific. They came home, married their sweethearts, started families, and suddenly America had this booming demand for housing, but demand alone doesn't build homes. You also need money. You need access to credit, and that's where the GI Bill stepped in. It didn't just thank returning service members for their sacrifice. It handed them something way more powerful, the ability to buy a home with little money down a low interest rate and underwriting standards that would frankly look like a fantasy today, that access to credit sparked one of the biggest housing booms in American history. You had these entire suburbs that sprang up overnight, Levittown in New York, Lakewood in California. These were master planned communities, and they really became a blueprint for Post War America. We had the booming 50s, and this had a lot to do with it. Here's the part that most people don't understand. This wasn't just about housing. This was about wealth creation, because for better or worse, home ownership has been the primary wealth building vehicle for the American middle class these past 100 years, when you give millions of people a subsidized path into property ownership, you're not just giving them a roof. You're giving them equity appreciation, leverage, tax benefits. You're giving them the engine, this flywheel that spins up generational wealth in a lot of ways. The GI Bill is the earliest institutional example of what I at least tell you here on the show, real estate pays five ways. Now they didn't call it that in 1947 but that's exactly what it was. Veterans earned appreciation as suburbs grew. They had amortization working for them, they collected tax advantages. Inflation slowly eroded their fixed rate mortgage balances too. And here's the thing, these weren't even speculative investments. They were homes that they lived in. Now, of course, the GI bill wasn't perfect. It expanded opportunity for millions of people, but it excluded a lot of people too. Lenders and local governments often blocked black veterans and other minorities from accessing the same benefits. That's a whole story unto itself, but the takeaway for today is, when you combine demographic momentum with favorable financing, you can remake a nation, and that's why housing policy still matters today, which we'll get. Two shortly, when you change access to credit or just tweak it, you change the trajectory of families and markets for generations, and the GI Bill proved that. So when we talk about interest rates, affordability, supply shortages, or any of the high frequency housing data that we cover here, remember that the stories aren't just about numbers. They really are about people. They're about giving ordinary Americans the chance to build wealth the same way that those World War Two veterans did through ownership, stability and the quiet compound leverage, not compound interest. Compound leverage that real estate delivers over time.    Keith Weinhold  5:49   I'm bringing you today's show from, I suppose, a somewhat exotic location. I am inside Caesar's Palace, which is right near the very middle of the famed Las Vegas Strip, that's where I'm at. The hotel staff is always accommodative of the show setup. This might seem a little strange to you, because I'm not a gambler. The reason I'm here is that my brother lives 25 minutes away, and I've been with him during Thanksgiving. Next week, I'll bring you the show from Buffalo, New York, and then two weeks from now, I have something heart warming to tell you about that, and it is a real estate story. I'll be broadcasting the show from upstate Pennsylvania. I'll be there to visit my parents. My brother's also coming in from Nevada to be there. That's where the four of us, mom, dad, my brother and I will sit around the same dining room table in the same kitchen of the same home that my parents have lived in since the 1970s nothing has changed, and all four of us know our spots at the table. And actually, it's not even called the dining room table. It is the supper table, as my parents call it so, from flashy Caesar's Palace today to Buffalo and then to Appalachian simplicity in Pennsylvania, the stability and continuity of my parents living in the same home and four wine holds sitting around the table during the holidays, it is so rare. I imagine less than one or 2% of people can do this. I'm just profoundly grateful and proud of Kurt and Penny Weinhold for being the best, most stable parents I could have asked for. It's almost too much to ask, and if you don't have that in your life. Ah, you can do something about that. You can provide the same decency and stability for your children.    Keith Weinhold  7:50   Let's talk about seven proven ways you can get a lower mortgage rate with this week's terrific guest. Though, we'll focus on investment properties. A lot of this applies to primary residences as well.   Keith Weinhold  8:07   We are joined by the founder of the lender that's created more financial freedom for real estate investors than any other mortgage originator in the nation, the eponymous Ridge lending group. And though that sounds impressive, my gosh, she didn't even need that introduction for you the listener, because she's one of the most recurrent guests in show history. Welcome back to GRE Caeli Ridge,   Caeli Ridge  8:30   I am delighted to be here as always, Keith, thank you for your support and acknowledgement. I love what you do, and I'm hoping that I can bring more value today to your listeners in what it is that we do, educating the masses, right?   Keith Weinhold  8:42   You've been doing that here for about 10 years. And yes, we're talking about a woman with a reputation for writing emails in all caps, yet still maintains a great relationship with everybody. I mean, congrats, shaile. I couldn't possibly pull that off myself.   Caeli Ridge  8:58   Thank you, Keith. And you know, I'm going to stay by my all caps, man, it's a speed thing. It all boils down to the number of seconds in the day that I can just move quickly through an email. Yeah, I love my all caps.   Keith Weinhold  9:09   Apparently recipients are still replying, well, you can get a lower mortgage rate in at least seven ways. You can get an adjustable rate mortgage, do a midweek lock in, negotiate seller credits. Have a high credit score. Do a two one buy now, which is kind of old school, but some home builders are using it boost your DTI or buy now, not later. Those are some of the strategies for lowering your mortgage rate. What are your thoughts with regard to that?   Caeli Ridge  9:39   I think all of those are viable. I would just say on the adjust for a mortgage. The pushback I would give there is, is that for residential property, specifically, single family, up to four units, we are not finding that spread between the arm and a 30 year fix. We've been the industry as a whole, secondary specifically been on the inverted yield. Now this gets a little tough. Nickel, and I won't go down that rabbit hole, but 08, 09, the housing and lending crash created an environment within secondary markets where an inverted yield has made a 30 year fixed mortgage more favorable in the rate department. Now that's not always going to be the case. I am a huge fan of the adjustable, but what would work right now is an adjustable with the all in one not to take too much time on that topic, but that would be an adjust rate mortgage that I think would save interest or reduce the rate of which interest is accruing,   Keith Weinhold  10:30   the all in one loan, which we discussed extensively back at the beginning of this year here on the show. Long term, though, I have seen adjustable rate mortgages work for a lot of people, because really, the compelling proposition of the arm is that it guarantees that you get a lower rate in the near term, and yet there's only a chance that you're going to have a higher rate in the long term   Caeli Ridge  10:53   and further. Let's I mean, let's dissect that a little bit. I am a huge proponent. I love an adjustable rate mortgage when the arm is pricing a half or a full percentage point plus over a fixed especially for non owner occupied and the reason for that is, and this is statistically speaking, feel free to look this up, guys, the average shelf life of a mortgage for an investment property is about five years. Great point, right? And we know that if that's the case, right, we're refinancing to harvest equity. We're refinancing maybe to reduce an interest rate from where the market was before, et cetera, et cetera. So that would be the first thing I would say. And then also remember, you guys the first 10 years of an amortized mortgage, 30 year fixed, amortized mortgage, how much of that payment is going to the principal? Because people will often push back by saying, well, either an interest only, or an adjustable and what happens if it changes or it goes up? Most of your payment is going to the interest anyway, and that reset to harvest equity. Borrowed funds are non taxable. We always say that, right? I think it's fully justified. So I love an arm, I just don't know, in comparison to a 30 year fixed today, like a five year ARM versus a 30 year fixed we are in a place that it makes sense, but normally, to your point, absolutely. Fan   Keith Weinhold  12:06   that spread needs to widen for the arm to make more sense. What about doing a mid week rate lock in? Is that a thing?    Caeli Ridge  12:13   Yeah. And you know, I don't have any empirical evidence here. Okay, I don't have any data points that actually prove this, except for 25 years in the business and locking loans every day of my life. There's something about a Monday and a Friday. And I have some conspiracy theories. I don't know that. I it's necessary to share them here, but midweek locks tend to be more favorable in both points and interest rate than you'll find on a Friday and a Monday. I think largely it has to do with, you know, the stock exchanges shutting down for the weekend, right? You got a Friday, you got two days in between. You got foreign markets, and all the things that can explode and happen during that amount of time. So I think they hedge a little bit. So on Friday, going into the weekend, I think that there's something about that and why interest rates are a little less favorable. And then Monday, of course, coming off the weekend, similarly, maybe there's some truth to that too.   Keith Weinhold  13:02   Now, negotiating seller credits has really been a trend to help with affordability. Tell us about specifically what you're seeing there, what's common.   Caeli Ridge  13:11   So we're talking to investors. I can tell you that the loan products you guys are going to have access to are going to cap you, okay, you're going to cap at, per guideline, 2% of the purchase price. Okay, remember that your points that you're paying when you get into locking an interest rate are going to be calculated on the loan size, all right. So the first thing to know is seller paid closing costs, maximum is going to be 2% per underwriting guidelines. That 2% is based on your purchase price. Anything that you're paying points for is going to be on the loan balance, the loan size, so there's going to be a little extra there for you that can contribute or can pay for some other closing costs, right, depending on the numbers. Now, if you're smart enough, or lucky enough, or whatever, the market is viable enough that you can negotiate more than 2% from the seller to pay towards closing costs, you're going to be limited on what you can do on the loan side. But let's say that you go and you've negotiated 4% seller will pay 4% towards your closing costs. Then in that case, you can reduce, you got the two points that you're allowed per guideline. And then you can reduce the purchase price by the difference you don't want to leave that money on the table.   Keith Weinhold  14:15   That's how it's done. And then there's just simply having a higher credit score. What's the highest credit score that really helps you get the lowest mortgage rate for both primary residences and non owner occupied properties. Loan product   Caeli Ridge  14:29   type dependent. But I would say overall, 760 and above is kind of that threshold. There are products that go 780 maybe even on the rare occasion, 800 and above. If I had to pick a number as the absolute pinnacle, I'm going to go 780    Keith Weinhold  14:41   All right, so having a credit score above those thresholds really doesn't help get you a lower interest rate. It's really just a little flex that you've got an 811, credit score, or whatever it is. Now the two, one buy down. That's something that we used to see long ago. A few home builders are bringing it back. And what that does it allow? Homebuyers to pay a lower interest rate for the first two years with the seller covering the difference, and that allows the seller to get their price. They don't have to lower the price of the home at all. But the two one buy down, and you see that written, two, one that has been employed more recently. Tell us about that.    Caeli Ridge  15:18   Well, the builders are struggling in some cases, right? The affordability buzzword is all over the place. So they've had to get creative and find ways in which they can move their inventory. So I think they've done a good job at kind of shaving off some of their margins to satisfy or improve the terms for the consumer. So I like the two. One, if you can get it   Keith Weinhold  15:37   now, one can boost their DTI as well their debt to income ratio and Taylor. When we've talked about that before, we've usually talked about reducing your debts in order to improve your DTI. However, a lot of people don't think about the fact that, oh, well, you can increase your income that lowers your DTI to help you qualify. So tell us what is the max DTI that you can have   Caeli Ridge  16:00   maximum debt to income ratio, in most cases on a full dock loan is going to be 50% now, depending on the type of income that you earn or that you've demonstrated, how you calculate that can get a little bit tricky. But if you're just a straight w2 wage earner, we don't have, you know, commissions or bonuses or anything that we consider variable income, then you just take your gross income times 50% whatever that number is, all of your liabilities on the credit report, we do not count ordinary living expenses like food and gas and utilities and cell phone bills. It's the minimum payments on the credit report. As long as whatever that add up is fits within that 50% you're good to go.    Keith Weinhold  16:37   Now, when it comes to improving our DTI to get a lower mortgage rate, I tend to think it's easier to knock out some debts to improve your DTI. But what about the other side of it? What about increasing your income to improve your DTI, lower your mortgage rate and qualify? Can you talk about some of the strategies for increasing your income with respect to DTI?    Caeli Ridge  17:02   Absolutely. And the biggest one, I think that we probably want to focus on most is going to be on a schedule E, right? That's the one that you're going to have more control over. So when we talk about rental income and how we might be able to boost that first, it might be important to share that there are two ways in underwriting that we will calculate or quantify rental income. The first way is called the acquisition year formula. I'll give you that in just a second. It's very easy, but the way I think we focus on here, because acquisition year is going to be what it is, you're going to have very little ability to manipulate or change that once our rental properties fall on our tax return, specifically the Schedule E of a federal tax return, you as the taxpayer or the borrower are going to have some access to maximize or increase the income, or, let's actually get a little bit more granular there to maximize the gain or minimize the loss, by means of depreciation, maybe a cost seg, maybe we make sure that one time, extraordinary expenses are demonstrated on the tax return in the appropriate way so that underwriting can add those things back. So I know that this sounds technical, but the scheduling is the way that I would say is the easiest for an investor to maximize income, reduce debt to income ratio. And I will close by saying that ridge lending, I think one of our most valued value adds is the ability to help our clients look at their draft tax returns on an annual basis and present them with, Hey, listen, Mr. Jones, if you file this way, this draft tax return, if it files this way, this is what it means to your debt to income ratio. Here's my advice, right? We go into a lot of depth there with our clients.   Keith Weinhold  18:39   That is a smart, long term planning piece that most mortgage companies are not going to give you. They're not going to be forward looking, looking out for your next three years of growing your income property portfolio. And shortly, we'll talk about a way for you to qualify loans where you don't have to show tax returns or W twos or pay stubs. But while we're talking about how to get a lower mortgage rate and some creative ways to do that, I brought up, buy now, not later. And what do I mean by that? What I mean is say, properties appreciate even 3% over time. Buying now, I mean that is going to net you more equity if you buy now rather than waiting, than it would in the savings from a rate drop, when you look at the appreciation run up, however, if rates go up, then you get both the lower price and the lower rate by buying now, not later.   Caeli Ridge  19:32   And I would add to that, we have to remember that in addition to a very modest 3% in the home appreciation, we should be appreciating our rents at even a modest 2% a year, right? Depending on where you are, et cetera. I know that there's exceptions to the rule. And then finally, we got to add in that tax benefit, what you're going to get in your deductions, et cetera, et cetera.   Keith Weinhold  19:51   Yeah, great point. Well, I brought up seven ways that you can get a lower mortgage rate. Can you share a few more with us? Some common ones? Because I know. That almost everyone that calls in there wants to inquire about mortgage rate as well.    Caeli Ridge  20:03   Everybody wants, yep, everybody wants to talk about the rate, despite my vervet opposition to say, do the math. Do the math. Do the math. You know, the easiest one there would be buying down the rate. I'm going to try and formulate an example. Let's say you've got a really high wage earner and in the thick of their earning years, and they're trying to prepare for retirement down the road. It's a longer term burn. They desperately need tax deductions, and the deal that they're looking at, yeah, it's okay, but they want some extra expenses on the Schedule E, maybe they buy the rate down by three even 4% because points on an investment loan transaction are tax deductible, so that might be something, and they obviously benefit from the lower interest rate. Now I may push back on this, and I think again, I know I sound like a broken record here, but we really need to do the math. What are we getting versus what are we giving up to get a 6% or five and a half percent interest rate? What does that mean in real, tangible cost, and what's that? Break even? It's actually a fairly simple calculation. When you just divide the difference in what you're getting versus what you're paying for, and that'll give you the number of months that it takes to recapture the incentive versus the expense. But that would be the easiest one. Keith, I would say buying down points, using paying additional points to get that lower interest rate,   Keith Weinhold  21:20   buying down your rate. It could feel good in the short term, but it's often not the best long term or even intermediate term move when you do the math, as you always like to say, well, you the listener here, you know that you can qualify for mortgage loans, for rental properties without needing a w2 without needing a pay stub and without even needing to show tax returns, because you need all those things for a conventional loan, but for a DSCR loan, debt service coverage ratio, you don't. So talk to us about the pros and cons of a DSCR loan versus a conventional   Caeli Ridge  21:53   loan. Okay? And I've got a hook here too, because I think the listeners are gonna be very, very pleased to hear at the end of this statement, what's happening with DSCR in conjunction or comparison, rather to the conventional so DSCR everybody means debt service, coverage ratio. It's a very simple formula. We are going to take the gross rents and divide it by the principal and interest and taxes and insurance and association. If it applies, that's it.   Keith Weinhold  22:18   $1,000 in gross rents, $800 in p i, t i, that yields a DSCR of 1.25 Correct?   Caeli Ridge  22:25   Yes, you're absolutely right. The one that I use as I, just to keep it simple, is 1000 rents, 1000 piti. That's a 1.0 right? As long as the gross rents are equal or greater than the p i, t i, you're going to be in a position to get the more favorable rates. Now that's not to say that we can't go below a 1.0 ratio. You can actually have a property, we have products that will allow the DSCR to be a point seven five. That would mean, in this scenario, if you had rents, gross rents of 750, and the piti was 1000 you can actually get that loan done. That is allowed. The rate gets a little bit hairy. So more often than not, we're at the 1.0 and above. So this is just a really great way for investors who are either recently self employed, maybe they're adjusted gross, they just write everything off for reasons that you can imagine. Why? Right? They don't want to pay the taxes. It could be 100 different reasons. The DSCR option is such a great solution to provide a 30 year fixed mortgage same same similar leverage, if not sometimes even better than a Fannie Freddie, than a conventional loan, you can usually leverage a little bit more, in some cases, on a DSCR like a two to four, for example, two to four unit residential property, Fannie Freddie, they kind of cut those loan to values a little bit, and the DSCR loans don't care about that. So you can get the same leverage as a single family would in a DSCR. The only other primary difference is these DSCR loans are going to come with prepayment penalties. Typically, the standard is about three years, but we're usually not refinancing in the first 36 months. Anyway, if you know that that's applicable to you, then you'd have to buy the prepay down or out, which you can do otherwise. DSCR is amazing. Oh, and I'll give you the little hook here. So something I have observed this is maybe very recent 4550 ish days, the margin for interest rate difference between conventional and DSCR is really starting to narrow. DSCR products are really performing well, and that interest rate improvements that we've been seeing for those products is not far off from what the Fannie Freddie's are, and I've even seen examples where DSCR beats a 30 year fixed Fannie Freddie rate. Now those are for the higher loan amounts. I can explain if you want, but otherwise, that's good news.   Keith Weinhold  24:36   Okay, this is really good news. It's a time in the cycle where dscrs could very well make sense for you without that huge documentation Shakedown that you need with W twos and pay stubs and everything else. There are a lot of nascent trends in the mortgage industry, and we're trying to separate some of them from being rumors, from being something that can truly happen. We're talking about 50 year mortgages and poor. Affordable mortgages. More on that. When we come back, you're listening to get rich education. Our guest is Ridge lending Group President, Chaley Ridge   Keith Weinhold  25:07   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,   Keith Weinhold  26:18   The same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage, start your pre qual and even chat with President Chaley Ridge personally, while it's on your mind, start at Ridge lending group.com, that's Ridge lending group.com   Dana Dunford  26:50   this is hemlanes co founder, Dana Dunford. Listen to get rich education with Keith Weinhold, and don't quit your Daydream.    Keith Weinhold  26:58   welcome back to get rich education. We're talking with Ridge lending Group President and Founder, Chaley Ridge about how you can get lower mortgage rates, and also about some trends in the industry, separating what's really a rumor in what could really happen squaring on 50 year mortgages and portable mortgages, those are both things only being discussed by the administration to help with affordability. FHFA Director Bill Pulte created some jarring news recently when he publicized this. What are your thoughts on the 50 year mortgage?    Caeli Ridge  27:39   You know, on a primary residence basis, I'm not so sure I need to maybe put some more thought into that. But for an investment property, I love it. Man, anything to keep that payment down so that, because, remember, we talked about earlier in the show here the percentage of mortgages, let's just use our 30 year fixed for a second that for a rental property that start on day one and then stroke a check 360 times later to pay that to zero. Is a fraction of a percent right? We are refinancing these things. We are selling them and doing 1031 exchanges. So anything that can keep my cash flow higher and my payment lower, I am all for it. Now, the people that push back and say, Well, I want to pay off my mortgage in 15 years. I don't want to pay extra interest, you are welcome to do that. So there's a second piece to this that I think is equally as important as maximizing cash flow, and that is your qualification. All right, if this comes to pass, and right now, it could just be noise, okay, and I'm speaking specifically for investment property, but if this is available to us, the debt to income ratio component, because think about it like this. So I'm going to keep using my 15 year and my 30 year, because that's kind of what we understand. The payment difference between a 30 year 360 month and a 15 year 180 month can be substantial depending on the loan size. I mean, it can be hundreds and hundreds of dollars for the individual that is dead set and say, I don't want to pay the higher interest. I want to pay these things off. We may have arguments about that whole strategy to begin with, but overall, if they still want to do that and that's their decision, Fine, take the 30 year fixed payment. Take the 30 year fixed mortgage. Apply the difference. You can figure out that payment difference very easily. Apply it religiously. Every month. You will cross the finish line in about 15.4 years. Download an amortization calculator online. You can find them everywhere. Plug in your numbers, and you'll see what I'm talking about. If you were to do this, let's say the difference is 200 bucks a month, and you send it in every month with your 30 year fixed mortgage payment, you will cross the finish line to pay that thing off in about 15.4 years. So yes, you'll pay a few extra months of interest. But what have you done to your qualifications, right, your payment now on your debt to income ratio, when we're looking at this thing for a future optimization, never take the shorter term amortization, ever, ever, ever, you won't pay the higher interest that the 30 year or the 50 Year will probably come with because you've accelerated the payoff so long, if that's your choice. Now for everybody else that really wants. To maximize that cash flow. And they get that, they're going to be refinancing this every five, six, whatever it is, years take it, man, I am all for the longer term amortization on a rental.   Keith Weinhold  30:10   I agree with you. I even like the 50 year on a primary residence, but yeah, Chaley, right here on the show, several weeks before Bill Pulte made the announcement, I actually talked about the 50 year mortgage and compared it to the 30 and the reasons that I like it because I knew there was a chance it could be coming, since this administration is trying to do so much to help out with affordability, people buy based on a payment, not a price that lowers the payment. A 50 year mortgage helps you benefit from inflation, and there are a lot of other advantages that have to do with that, although you probably are going to pay a higher interest rate on a 50 than you would a 30. And you know, Chaley, when the 30 year mortgage had its Advent just after World War Two, I'm going to guess 75 years ago, people were having this same conversation like, oh, 30 years, my gosh, you're never going to pay off the home. And really, that's not what it's about.    Caeli Ridge  31:01   Not at all, not at all. And remember, you guys, I would encourage everybody listening to this to actually go get that amortization table and see how much interest is baked in and how it is applied and paid. It is the back end of any of these amortized mortgages where the principal actually starts to get applied in a meaningful way. The 50 year mortgage, or the longer term amortization is a huge advantage. I'm speaking for investors. Mostly. I love it.   Keith Weinhold  31:26   Some people say, are you nuts? Look at how much more interest you're paying over the life of the loan on a 50 year mortgage versus a 30 year mortgage. We already touched on that you're not going to keep that loan for the life of it, and if you just take the difference from the lower payment that a 50 Year gives you, and invest that in 8% return, you are going to crush 2x to 3x oftentimes, what the paltry interest savings are over several decades,    Caeli Ridge  31:26   and somebody else is making that payment right. We have tenants that are responsible   Keith Weinhold  31:47    100% and then there's something that I don't know if portable mortgages would fly. And what this means is that when borrowers move, they could keep the rate, keep their term and keep their lender, presumably for the new home you might have seen it in the news. You the listener that Fannie May remove the minimum credit score requirements from desktop underwriting. And Chaley, I think you let me know elsewhere that those changes don't affect non owner occupied, but of course, it could affect the broader housing market in pricing. What are your thoughts about lowering the credit score requirement   Caeli Ridge  32:28   so similar to the portable stuff, until it really reaches mainstream and it affects the non owner occupied I'm not deep diving into those things. The basis of it, though, is, is that, yeah, they're removing that minimum credit score requirement from a du underwrite that stands for desktop underwriter, as you said, that is Fannie Mae's sophisticated, automated underwriting system, and I think it's just going to give more eligibility to lower income households and people trying to become homeowners that have found the barrier for entry very restrictive because They have credit issues.    Keith Weinhold  33:00   Well, let's talk about FHA and VA loans, something that we have rarely, if ever touched on. Our listeners know that I started out making my first ever property of any kind, an FHA loan with three and a half percent down on a fourplex, living in one unit, renting out the other three. Tell us about some trends there in FHA and VA loans   Caeli Ridge  33:21   we actually just did house hack campaign. We did a webinar on it, co living, all those different ways in which, you know, the younger generation, especially, and this is true for anyone. I don't want to pigeonhole it, can get themselves into home ownership and propel them into the real estate investing as an asset class. I am such a big fan of this model, in this strategy, for anybody that's interested and willing to kind of coal mingle or habitat, like you did a four Plex at three and a half percent down, you've got three tenants that are making your mortgage payment. VA, likewise, any of the Gubby loans, which include VA, FHA, USDA, you can get high, high leverage and up to four units. So I'm a huge fan of that. And then the CO living is another thing that I think is not quite mainstream, but I think it's gaining steam    Keith Weinhold  34:09   for those that don't know what we're talking about, you can use an FHA loan with a three and a half percent down payment, as long as you live in one of the units, your credit score can even be pretty low, and you can do that with a single family home, duplex, triplex or fourplex. You can get those same benefits with a VA loan and zero down   Caeli Ridge  34:29   USDA also zero down if you're in the right zip code. How does one qualify for a USDA loan? You know, there's a website I would have you check out. We don't do a ton of those. We have the ability, of course, but there's income restrictions and all of this. They've got, actually, a pretty slick website where you can go online, type in the zip code, make sure it's in a rural area, what your income is. There's all these inputs, and it'll tell you if you'd be a candidate for it. But yeah, it's good. Rates zero down. I like the product.   Keith Weinhold  34:56   Well, there have been a lot of newsy items when it comes. Comes to mortgages. Caeli and I think we should drop back before we're done here and talk about the basics. Just basically, what does it take to get a non owner occupied loan for residential income property?   Caeli Ridge  35:12   You know, there's so many options for investors today that I would say that if you have access to and even with what we just said, house hack. I mean, listen, if you've got 3% down, three and a half percent down, you can probably assure yourself you can get into a property. And if you can't qualify from a income debt to income ratio perspective, you've got three or four other models, which include DSCR, bank statement loans, asset depletion loans, overall, I would say that this is an individual conversation. Chances are you could probably qualify today, and if you can't, one of the things that I love about Ridge lending is, is that we're going to help you plant the seeds and show you how to qualify. If it takes you three months or six months or a year, that's what we do.   Keith Weinhold  35:56   Yeah, we've definitely noticed the difference here and that you do help that investor with long term planning? I do my own loans at ridge, and my assistant here at GRE she recently got the ball rolling with you in there at Ridge as well.   Caeli Ridge  36:11   Brenda, yes, yes, that was fantastic. We are very looking forward to helping her.   Keith Weinhold  36:16   Well, you know, chili, I've come here with a lot of questions that I had. What's the question No one's asking you, but you wish that they would.   Caeli Ridge  36:25   I think it probably would be for me, planning. You know, we get a lot of questions about interest rates. That's kind of top of mind for everybody. More about planning, having people that are interested in real estate as an asset class and an investment have the conversations to say, this is where I'm at today. This is where I'd like to be in five years. Tell me how to get there, and we can have those high level conversations that really sort of reverse engineer it and say, Okay, this is where you stand today from an underwriting perspective. This is where you need to be, and here's how we're going to get you there. It's always about planting seeds and creating those roadmaps, as I like to say so I would say that that would be top of my list.   Keith Weinhold  37:02   That's exactly what you do in there, and that's really what sets you apart. Well, remind our audience how they can get a hold of ridge.   Caeli Ridge  37:11   Yes, there's a couple ways. Of course, our website, Ridge lending group.com Please email us info at Ridge lending group.com and then call us toll free. 855-747-4343, 855-74-RIDGE  is an easy way to remember.   Keith Weinhold  37:25   It's really been valuable this time. Chaley, thanks so much for coming back onto the show.   Caeli Ridge  37:29    Appreciate you. Keith.   Keith Weinhold  37:36   Oh yeah, good pointed info from Chaley over at Ridge, I think that the important things for you to remember from our conversation is that, gosh, isn't it so glaring like in your face that you have options. All these options when you engage with a lender, you're going to learn that there are probably loan programs that you've never even heard of, some that you might fit into and even if you aren't adding more property, if you're not in that phase, there are ways that you can take your existing loans and consolidate them or refinance them, or use them to produce a tax free windfall for yourself and the US is often the envy of other world nations with the flexibility that we have here in our mortgage market. I've never known anyone that does this better than Chaley and her team. I mean, they are real difference makers. If you learn something on today's show, hey, Don't hoard the good stuff. Engage in the nicest kind of wealth redistribution. Tap the Share button right now and share this on social, or text this episode to one friend who'd appreciate it. That would mean the world to me. I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 2  38:57   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  39:25   The preceding program was brought to you by your home for wealth building, getricheducation.com  

    Dynasty Fantasy Football | Married to The Game | The FF Dynasty
    NFL Week 13 Recap - The Pleasure Chest - Dynasty Fantasy Football

    Dynasty Fantasy Football | Married to The Game | The FF Dynasty

    Play Episode Listen Later Dec 1, 2025 81:54


    The FF Dynasty, Season 9, Episode 115: Casey + Doug (@ShaulinMonks) Breakdown week 13 of the NFL season for your pleasurrre -- Analytical Models + Predictions powered by @KoalityStats https://koalatystats.substack.com -- Free ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Patreon⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ + ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Discord⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ 5 Star Contest ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Twitter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Insta⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TikTok⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ --

    Astrology of the Week Ahead with Chani Nicholas
    The Week of December 1st, 2025: Getting curious with the Full Moon in Gemini

    Astrology of the Week Ahead with Chani Nicholas

    Play Episode Listen Later Dec 1, 2025 23:39


    Episode 259In 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 December 1st, 2025, has us asking questions. The Full Moon in Gemini calls us to get curious and analyze things from every angle. And Mercury (the messenger planet) teams up with the planets of growth and structure to kick-start conversations that lead to answers and healing. There's plenty to say. Just remember to ask permission before venting at someone.This episode covers:Venus's sexile to Pluto on Tuesday, December 2ndFull Moon in Gemini on Thursday, December 4thMercury's trine to Jupiter on Saturday, December 6thMercury's trine to Saturn on Sunday, December 7thThis episode was recorded on 10/31/2025.For more, check out your free daily horoscope on the homepage of the CHANI app — now on iOS and Android.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.P.S. If you're looking for an astrological map, compass, and collaborator for the coming year, check out our 2026 Astro Planner. Packed with 300 pages of practical magic, it was crafted by a team of trained astrologers, which means it has everything you need to manifest your best year yet. Order yours at chani.com. But don't snooze — it sells out every year.The music featured in the podcast was created by Latashá.

    LINUX Unplugged
    643: The Sunday Soapbox

    LINUX Unplugged

    Play Episode Listen Later Dec 1, 2025 91:34 Transcription Available


    We pull on a few loose threads from recent episodes, and some of them unravel into way more than we expected.Sponsored By:Managed Nebula: Meet Managed Nebula from Defined Networking. A decentralized VPN built on the open-source Nebula platform that we love. 1Password Extended Access Management: 1Password Extended Access Management is a device trust solution for companies with Okta, and they ensure that if a device isn't trusted and secure, it can't log into your cloud apps. CrowdHealth: Discover a Better Way to Pay for Healthcare with Crowdfunded Memberships. Join CrowdHealth to get started today for $99 for your first three months using UNPLUGGED.Unraid: A powerful, easy operating system for servers and storage. Maximize your hardware with unmatched flexibility. Support LINUX UnpluggedLinks:

    Between The Sheets
    Ep. #534: November 27-December 1, 1986

    Between The Sheets

    Play Episode Listen Later Dec 1, 2025 326:12


    Kris and David are back as we discuss the partial week that was November 27-December 1, 1986 which means THANKSGIVING WEEK!! Topics of discussion include:Starrcade '86 with a full rundown of everything that went down in both Atlanta and Greensboro, featuring Ric Flair vs. Nikita Koloff, the Midnight Express vs. Road Warriors scaffold match, Dusty Rhodes vs. Tully Blanchard in a first blood match, Paul Jones becoming a BALD-HEADED GEEK, and so much more.“Bullet” Bob Armstrong making his return to WTBS after 2 years away to help his son Brad against Bill Dundee and Jimmy Garvin.Bruiser Brody issuing a grandstand challenge to Antonio Inoki.Bob Roop getting fired as the booker in Florida.The Fabulous Ones returning to Memphis, which pisses off the Rock 'n' Roll RPM's.Jonathan Boyd showing tbe world his New Zealand Death Box on TV, much to Lance Russell's consternation.Fritz Von Erich battling Abdullah the Butcher at Reunion Arena and why Bruiser Brody was there even though he wasn't booked.Saturday Night's Main Event headlined by Randy Savage vs. Jake Roberts. Andre the Giant giving us an update from London after he gets reinstated.All of the big Thanksgiving shows from around the country.This show was pretty damn awesome in our opinion, and we hope that you agree!!!Timestamps:0:00:00 Jim Crockett Promotions1:27:30 Int'l: AJPW, NJPW, Stampede, EMLL, UWA, & WWC1:43:54 Classic Commercial Break1:47:46 Halftime2:44:08 Other USA: NWF, Deep South, CWF, Continental, CWA/Memphis, UWF, WCCW, AWA, & Portland4:07:57 WWFTo support the show and get access to exclusive rewards like special members-only monthly themed shows, go to our Patreon page at Patreon.com/BetweenTheSheets and become an ongoing Patron. Becoming a Between the Sheets Patron will also get you exclusive access to not only the monthly themed episode of Between the Sheets, but also access to our new mailbag segment, a Patron-only chat room on Slack, and anything else we do outside of the main shows!If you're looking for the best deal on a VPN service—short for Virtual Private Network, it helps you get around regional restrictions as well as browse the internet more securely—then Private Internet Access is what you've been looking for. Not only will using our link help support Between The Sheets, but you'll get a special discount, with prices as low as $1.98/month if you go with a 40 month subscription. With numerous great features and even a TV-specific Android app to make streaming easier, there is no better choice if you're looking to subscribe to WWE Network, AEW Plus, and other region-locked services.For the best in both current and classic indie wrestling streaming, make sure to check out IndependentWrestling.tv and use coupon code BTSPOD for a free 5 day trial! (You can also go directly to TinyURL.com/IWTVsheets to sign up that way.) If you convert to a paid subscriber, we get a kickback for referring you, allowing you to support both the show and the indie scene.You can also use code BTSPOD to save 25% on your first payment — whether paying month to month or annually — when you subscribe to Ultimate Classic Wrestling Network at ClassicWrestling.net!To subscribe, you can find us on iTunes, Google Play, and just about every other podcast app's directory, or you can also paste Feeds.FeedBurner.com/BTSheets into your favorite podcast app using whatever “add feed manually” option it has.Support this podcast at — https://redcircle.com/between-the-sheets/donationsAdvertising Inquiries: https://redcircle.com/brands

    The Art of Fatherhood Podcast
    Dave Foley Talks Fatherhood, Prep & Landing: The Snowball Protocol, Acting & More

    The Art of Fatherhood Podcast

    Play Episode Listen Later Dec 1, 2025 21:16


    Dave Foley sits down with me to talk about fatherhood. He shares some insight how he looked to raise his kids. In addition, he and I discuss what life lesson his kids have taught him. After that we talk about his role as Wayne in Prep & Landing: The Snowball Protocol. Dave shares how much fun he has playing this role and how he enjoys the holiday season. We talk a bit about his fantastic career. Lastly, we finish the interview with the Fatherhood Quick Five.  About Dave Foley   Dave Foley is a Canadian actor, stand-up comedian, director, producer, and writer. He is known as a co-founder of the comedy group The Kids in the Hall, responsible for their eponymous sketch show and the feature-length film Brain Candy. He played Dave Nelson in the sitcom NewsRadio, voiced Flik in A Bug's Life, and hosted the game show Celebrity Poker Showdown. Make sure you follow Dave on Instagram at @davefoley. Plus make sure you check out Prep & Landing: The Snowball Protocol over on Disney+.  https://www.youtube.com/watch?v=mdt4cUY53kw Our Pact Is This Week's Podcast Sponsor OurPact offers unmatched control over your child's smartphone and tablet usage. With features like Schedule-Based App Rules, Screen Time Allowance, Family Locator, View, and customizable Apple and Android settings, you can customize how and when your child uses their device. OurPact's mission is to provide parents with the tools they need to create healthy screen time habits, foster digital balance, and keep your kids safe online. To learn more about OurPact, go to their site over at ourpact.com.  About The Art of Fatherhood Podcast  The Art of Fatherhood Podcast follows the journey of fatherhood. Your host, Art Eddy talks with fantastic dads from all around the world where they share their thoughts on fatherhood. You get a unique perspective on fatherhood from guests like Bob Odenkirk, Hank Azaria, Joe Montana, Kevin Smith, Danny Trejo, Jerry Rice, Jeff Foxworthy, Patrick Warburton, Jeff Kinney, Paul Sun-Hyung Lee, Kyle Busch, Dennis Quaid, Dwight Freeney and many more.

    Spotlight English
    Call the Midwife

    Spotlight English

    Play Episode Listen Later Dec 1, 2025 12:50 Transcription Available


    Choosing how to give birth is a personal decision. Some women feel more comfortable with a midwife, while others prefer the security of a hospital. Gillian Woodward and Roger Basick highlight the different factors that guide each woman's choice.https://spotlightenglish.com/health-medicine/call-the-midwife/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

    Understand the Bible?  Pastor Melissa Scott, Ph.D.
    An Introduction to the Tribe of Dan

    Understand the Bible? Pastor Melissa Scott, Ph.D.

    Play Episode Listen Later Dec 1, 2025 50:09


    As an introduction to the tribe of Dan, we begin by building a profile.  Combining the Biblical record with history and archaeology, we can glean insight into their character, their habits, where they went, and the peoples and cultures they picked up along the way.  All of this information helps us to see the tapestry of God's hand in history coming together!  VF-2355 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. ©2025 Pastor Melissa Scott, Ph.D., All Rights Reserved

    Double Deuce podcast
    526: Friendsgiving 2: Throwin' Rolls!

    Double Deuce podcast

    Play Episode Listen Later Dec 1, 2025 39:56


    The Notes: It was the second recording in person and in a row, so these notes are not good! We were still celebrating the Thanksgiving holiday, though, and still have guests! Amber Fraley, Skye Maus, Ed Parker, and Ollie! Here's those bad notes: The silence! Simon & Garfunkel & salad! Top law dog! The old judicial switcheroo! Gideon's Trumpet 2: Double Jeopardy! The trombone did it! Voyage of the Mimi! Ed & Skye explain Thanksgiving! Roll talk! 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!  

    飛碟電台
    《飛碟晚餐》2025.12.01 (一) 今日新聞重點

    飛碟電台

    Play Episode Listen Later Dec 1, 2025 46:54


    2025 下酒祭:音樂、啤酒、下酒菜 feat.韓國 한국 臺韓美食文化大交流

    Trucker Tom's Podcast
    2147 Running AI Models Locally

    Trucker Tom's Podcast

    Play Episode Listen Later Dec 1, 2025 50:31


    2147 Running AI Models Locally I talk about running "LM Studio" on Windows, LM Playground on Android, and Locally AI on iOS.

    Mobile Tech Podcast with tnkgrl Myriam Joire
    Poco F8 Ultra first impressions, OnePlus 15 vs. Pixel 10 Pro, OnePlus 15R chip, Honor 500 series, Huawei Mate X7 and Mate 80 series, and more with C Scott Brown of Android Authority

    Mobile Tech Podcast with tnkgrl Myriam Joire

    Play Episode Listen Later Dec 1, 2025 71:33


    Tune into episode 455 of the Mobile Tech Podcast with guest C Scott Brown of Android Authority -- brought to you by Mint Mobile. In this episode, we share our first impressions of the Poco F8 Ultra, revisit AirDrop for Android, and compare the OnePlus 15 with the Pixel 10 Pro. We then discuss new phones from Honor and Huawei, and cover news, leaks, and rumors from Nothing, OnePlus (more OnePlus 15R info) and Qualcomm.Episode Links- Support the podcast on Patreon: https://www.patreon.com/tnkgrl- Donate / buy me a coffee (PayPal): https://tnkgrl.com/tnkgrl/- Support the podcast with Mint Mobile: https://mintmobile.com/mobiletech- C Scott Brown: https://www.threads.com/@c.scottbrown- Poco F8 Ultra first impressions: https://www.androidauthority.com/flagship-phone-jeans-bose-rear-speaker-3619644/- Nothing exploring Airdrop for Android: https://www.gsmarena.com/nothing_is_exploring_how_to_quickly_make_its_phones_compatible_with_airdrop-news-70406.php- Scott's Dear Google: Steal the OnePlus 15 video: https://www.youtube.com/watch?v=XkJbbZIBHyA- OnePlus 15R coming Dec 17 with Snapdragon 8 Gen 5: https://www.androidauthority.com/oneplus-15r-snapdragon-8-gen-5-3619878/- OnePlus Ace 6T coming Dec 3 with 8,300mAh battery: https://www.gsmarena.com/oneplus_ace_6t_to_pack_an_8300mah_battery_more_specs_revealed-news-70480.php- Qualcomm Snapdragon 8 Gen 5: https://www.gsmarena.com/qualcomm_unveils_snapdragon_8_gen_5_as_its_flagshipkiller_chip-news-70444.php- Honor 500 series is 7.8mm thick with 8,000mAh battery: https://www.gsmarena.com/honor_500_series_make_debut_in_china_with_snapdragon_chips_and_huge_batteries_-news-70428.php- Huawei Mate X7 announced, coming globally Dec 11: https://www.gsmarena.com/huawei_mate_x7_international_launch_date-news-70452.php- Huawei Mate 80 series: https://www.gsmarena.com/huawei_mate_80_pro_max_and_mate_80_rs_debut_with_dual_telephoto_cameras-news-70443.php and

    Cupertino
    La decisión más intel-igente

    Cupertino

    Play Episode Listen Later Dec 1, 2025 60:35


    Comenzamos el episodio analizando la sorprendente noticia de que Apple podría estar negociando con Intel para la fabricación de futuros procesadores de la serie M. Debatimos el informe de Ming-Chi Kuo que apunta a 2027 como fecha clave para que Intel asuma la producción de los chips de gama base, rompiendo así la exclusividad con TSMC. Valoramos las implicaciones estratégicas de este movimiento, tanto para la diversificación de la cadena de suministro como para la imagen de fabricación estadounidense, y cómo esto podría convivir con la producción de los modelos Pro y Max en Taiwán.A continuación, abordamos el drástico aumento en los precios de la memoria RAM y cómo esta inflación de componentes está asfixiando al mercado del PC, aunque Apple parece tener margen para absorber el impacto. También dedicamos un espacio a comentar la colaboración entre Jony Ive y Sam Altman para OpenAI; discutimos la falta de concreción sobre su futuro dispositivo de hardware para inteligencia artificial, del que apenas se sabe que buscará ser un objeto "juguetón" y que podría tardar aún dos años en materializarse, planteando dudas sobre su viabilidad frente al avance de los smartphones actuales.Por último, repasamos el rendimiento comercial del concepto "iPhone Air" y cómo la competencia en Android observa con cautela este segmento de móviles ultradelgados. Explicamos los avances técnicos que permitirían a los Google Pixel utilizar AirDrop mediante ingeniería inversa y cerramos comentando la actualidad de los servicios, destacando el éxito de la serie Pluribus en Apple TV+, la cancelación del estreno de Furtivo por acusaciones de plagio y la posible expansión de las funciones satelitales de Apple para el próximo año. TSMC Arizona Outage Saw Fab Halt, Apple Wafers Scrapped Jony Ive and Sam Altman have first prototype of mysterious AI hardware - 9to5Mac Mishaal Rahman: Apple being forced by the EU to implement WiFi Aware was not why or how Google was able to get AirDrop supported in Quick Share, from what I'm told. Google did actually implement AWDL support. : r/Android El precio de la memoria asfixia al mercado de PC Tecnología Do higher RAM prices make Apple a better option? – Computerworld Chinese brands saw the iPhone Air flop and canceled their plans DXOMARK puts the iPhone Air's single rear camera to the test - 9to5Mac ㆅ on X: "It's silly, but many Android brands like Realme, Nothing, and HMD Global have their Twitter accounts linked to “App Store” instead of Android

    Buchty
    Chcete krev, logiku a vraždící opici? Čtěte Poeovy Vraždy v ulici Morgue

    Buchty

    Play Episode Listen Later Dec 1, 2025 41:31


    V dalším díle podcastového speciálu Buchty čtou o knížkách, které všichni známe, ale málokdo je skutečně četl, se Ivana Veselková, Zuzana Fuksová a středoškolský pedagog Stanislav Zajíček zabývali povídkou Edgara Allana Poea s názvem Vraždy v ulici Morgue.Všechny díly podcastu Buchty můžete pohodlně poslouchat v mobilní aplikaci mujRozhlas pro Android a iOS nebo na webu mujRozhlas.cz.

    El Siglo 21 es Hoy
    El mito de Kodak - Parte 1

    El Siglo 21 es Hoy

    Play Episode Listen Later Dec 1, 2025 73:21


    (00:00:00) El mito de Kodak (00:07:20) El invento digital escondido (00:12:33) Heliografía y Daguerrotipo (00:16:47) George Eastman y el carrete de película (00:22:43) Usted aprieta el botón, nosotros hacemos el resto (00:33:49) Brownie y la sonrisa (00:45:47) El monopolio absoluto de Kodak (00:55:02) Fotografía en la guerra y la paz (01:08:17) Fin de la primera parte La Temporada 14 de El Siglo 21 es Hoy comienza con una serie documental dedicada a la historia de Kodak, la empresa que cambió la fotografía para siempre.En este primer episodio, “El nacimiento del mito”, exploramos cómo George Eastman convirtió una idea técnica en una revolución cultural que transformó la forma de capturar recuerdos en todo el mundo. Aquí conocerás el origen de Kodak, la creación del rollo fotográfico, la llegada de la cámara Brownie, la expansión internacional de la marca y el nacimiento del famoso concepto del “Kodak moment”. También oiremos cómo surgió una industria entera alrededor del revelado, la química fotográfica y las cámaras populares que hicieron que millones de personas empezaran a fotografiar su vida cotidiana.  Este episodio forma parte de una investigación profunda sobre la historia de la fotografía, el impacto cultural de Kodak y el camino que llevó a la empresa a convertirse en un referente global. Si te interesa la tecnología, la cultura visual, las cámaras analógicas, la historia del cine o la evolución de la industria fotográfica, esta serie es para ti.

    Podcast Vinohradská 12
    ODS bez Kuby. Co s ní bude?

    Podcast Vinohradská 12

    Play Episode Listen Later Dec 1, 2025 23:31


    Šéfem nakonec bude, ale ne ODS. Úspěšný hejtman Kuba stranu opouští, zkusí štěstí ve vlastním hnutí. Proč? A jak moc to poškodí občanské demokraty po prohraných volbách? Téma pro Petra Nováčka, vnitropolitického komentátora Českého rozhlasu. Ptá se Matěj Skalický.Všechny díly podcastu Vinohradská 12 můžete pohodlně poslouchat v mobilní aplikaci mujRozhlas pro Android a iOS nebo na webu mujRozhlas.cz.

    The Sports Rabbi
    Episode 537: Coaching crisis at Maccabi Tel Aviv, Beitar Jerusalem continues to win, Israel Nat'l Team's brutal losses on Episode #537

    The Sports Rabbi

    Play Episode Listen Later Dec 1, 2025 37:39


    The Sports Rabbi Josh Halickman and Roy Jankelowitz from Israel Sportspoke about the latest Israeli sports news as we talked about the Beitar Jerusalem's win over Netanya, coach Lazetic and Maccabi Tel Aviv as well as the other stories from the world of soccer. We then shifted gears to discuss the Israel National Basketball Team's losses to Germany and Croatia in World Cup Qualifying as well the Oded Katash situation at Maccabi and the rest of the basketball news and views. Make sure to subscribe to The Sports Rabbi Show on iTunes, Spotify or Google Podcasts.Also download our fabulous new App available for both Android and iPhone!Click here for the iPhone AppClick here for the Android App

    Battle Ready with Father Dan Reehil
    Battle Ready a Radio Maria Production - Episode 12-01-25 - Mondays with Mom

    Battle Ready with Father Dan Reehil

    Play Episode Listen Later Dec 1, 2025 28:14


    Fr. Dan Reehil catches up with his mom, Gladys Reehil. Today they discuss preparing for the coming of Christ as outlined by our Lord in this past Sundays Gospel readingRadio 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 

    Blízká setkání
    Hledač talentů Martin Červinka: V Davidovi Stypkovi jsem poznal výjimečnost během pár vteřin

    Blízká setkání

    Play Episode Listen Later Dec 1, 2025 33:21


    „Česká kultura smrtí Davida Stypky přišla o osobnost, která se nerodí každý den. Nebyl to jen zpěvák. Jeho písně stále žijí a je vidět, jak ovlivnil Kateřinu Marii Tichou, Miraie, Ewu Farnou i další,“ říká v Blízkých setkáních hledač talentů Martin Červinka. „Už první nahrávce bylo zřejmé, že je to něco mimořádného,“ vzpomíná. „David byl zpočátku nedůvěřivý. Ale podařilo se nám to prolomit. Věděl jsem, že všechny přesvědčím, že je to mimořádná, silná, charismatická osobnost.“Všechny díly podcastu Blízká setkání můžete pohodlně poslouchat v mobilní aplikaci mujRozhlas pro Android a iOS nebo na webu mujRozhlas.cz.

    The Go Radio Football Show Podcast
    From Falkirk Frustration to Celtic Celebration: Danny Röhl's Reality Check and Martin O'Neill's Fairytale Revival

    The Go Radio Football Show Podcast

    Play Episode Listen Later Dec 1, 2025 94:35


    The Go Radio Football Show: 1st of December, 2025. Join host Paul Cooney alongside Celtic Hero Andy Walker and Rangers Legend Barry Ferguson in Association with Burger King. This is a catch-up version of the live, daily Go Radio Football show.  Don't miss it – PLAY and HIT SUBSCRIBE, and NEVER miss an episode! We dive into the drama surrounding Rangers' frustrating draw against Falkirk, the pressure on Danny Röhl, and the recruitment woes that have fans demanding answers. Celtic's resurgence under Martin O'Neill takes centre stage as the interim boss continues to defy expectations, while the Wilfried Nancy saga drags on. We also celebrate Motherwell's impressive rise, dissect the Scottish Cup draw, and debate whether smaller clubs should cash in on big fixtures. Rangers Stumble: A disappointing 0-0 draw at Ibrox sparks more questions about summer signings and tactical decisions. Danny Röhl Speaks Out: The manager's candid assessment of inconsistency and decision-making issues. Celtic's Revival: Martin O'Neill's unbeaten run and the delay in Wilfried Nancy's appointment—what's really going on? Motherwell Magic: How the Steelmen climbed to third with bold, risky football. Scottish Cup Buzz: A dream draw for Auchinleck Talbot—should they move the game for a payday? Fan Frustration: Rangers supporters vent about recruitment failures and tactical rigidity. Boardroom Battles: Celtic fans plan another protest amid AGM fallout and Ross Desmond's controversial comments. European Outlook: Rangers and Celtic brace for tough tests in Europe—are they in the wrong tournament? The Go Radio Football Show, weeknights from 5pm-7pm across Scotland on DAB, Online, Smart Speaker 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. Follow us @thisisgoradio on Instagram, Facebook, LinkedIn and Tik Tok  Watch on YouTube: https://www.youtube.com/watch?v=mbsfwnlMFeI&list=PLBoA8NYTpHtcqoS3M5IrA0C7K-iCmvg-F For more Go Creative Podcasts, head to: https://thisisgo.co.uk/podcasts/   Facebook: https://www.facebook.com/share/1ATeQD... 

    Host Lucie Výborné
    Herec Roman Zach o natáčení pohádky Zrození alchymistky: Dětský entusiasmus vás úplně sebere

    Host Lucie Výborné

    Play Episode Listen Later Dec 1, 2025 31:59


    Romana Zacha teď můžete vidět v kinech v pohádce Zrození alchymistky. Má tam skvělou druhou hlavní roli a protihráčku alchymistku. A v rozhovoru s moderátorkou Lucií Výbornou si zvláště pochvaluje spolupráci s dětskými herci. „Dětský entusiasmus a nadšení bylo tak velké, že vás to sebere,“ vysvětluje herec. Nechtěl by si ještě zahrát spíš roli prince než ostříleného alchymisty?Všechny díly podcastu Host Lucie Výborné můžete pohodlně poslouchat v mobilní aplikaci mujRozhlas pro Android a iOS nebo na webu mujRozhlas.cz.

    FORTY
    He Bought Me A Minions Perfume And Now It's My Signature Scent

    FORTY

    Play Episode Listen Later Dec 1, 2025 26:03


    Some women get diamonds for their birthday. Not here. It's Eau De Minion, and everyone's obsessed. Term Four has officially claimed another victim and Lise is deep in the trenches. Between blackouts, a tooth snapped on a Jatz cracker, and the world’s most cursed over-the-counter sleeping pill, it’s a lot. And the girls test the “11 Habits of a Well-Groomed Woman” and fail. But it was mostly a bullshit article anyway, further proof you should not click on anything while lying awake at 3am The show phone is: 0489 214 653 This show was brought to you by Brown Brothers www.brownbrothers.com.au Want to support the show and become a Goldie? Subscribe to Lise and Sarah GOLD here For Android users, we got you! 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 (and yes, we promise it's easy!) • Click here: http://apple.co/LiseandSarah • The link will open in a web browser • From there, just hit 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.

    Between the Sheets
    Ep. #534: November 27-December 1, 1986

    Between the Sheets

    Play Episode Listen Later Dec 1, 2025 326:12


    Kris and David are back as we discuss the partial week that was November 27-December 1, 1986 which means THANKSGIVING WEEK!! Topics of discussion include:Starrcade '86 with a full rundown of everything that went down in both Atlanta and Greensboro, featuring Ric Flair vs. Nikita Koloff, the Midnight Express vs. Road Warriors scaffold match, Dusty Rhodes vs. Tully Blanchard in a first blood match, Paul Jones becoming a BALD-HEADED GEEK, and so much more.“Bullet” Bob Armstrong making his return to WTBS after 2 years away to help his son Brad against Bill Dundee and Jimmy Garvin.Bruiser Brody issuing a grandstand challenge to Antonio Inoki.Bob Roop getting fired as the booker in Florida.The Fabulous Ones returning to Memphis, which pisses off the Rock 'n' Roll RPM's.Jonathan Boyd showing tbe world his New Zealand Death Box on TV, much to Lance Russell's consternation.Fritz Von Erich battling Abdullah the Butcher at Reunion Arena and why Bruiser Brody was there even though he wasn't booked.Saturday Night's Main Event headlined by Randy Savage vs. Jake Roberts. Andre the Giant giving us an update from London after he gets reinstated.All of the big Thanksgiving shows from around the country.This show was pretty damn awesome in our opinion, and we hope that you agree!!!Timestamps:0:00:00 Jim Crockett Promotions1:27:30 Int'l: AJPW, NJPW, Stampede, EMLL, UWA, & WWC1:43:54 Classic Commercial Break1:47:46 Halftime2:44:08 Other USA: NWF, Deep South, CWF, Continental, CWA/Memphis, UWF, WCCW, AWA, & Portland4:07:57 WWFTo support the show and get access to exclusive rewards like special members-only monthly themed shows, go to our Patreon page at Patreon.com/BetweenTheSheets and become an ongoing Patron. Becoming a Between the Sheets Patron will also get you exclusive access to not only the monthly themed episode of Between the Sheets, but also access to our new mailbag segment, a Patron-only chat room on Slack, and anything else we do outside of the main shows!If you're looking for the best deal on a VPN service—short for Virtual Private Network, it helps you get around regional restrictions as well as browse the internet more securely—then Private Internet Access is what you've been looking for. Not only will using our link help support Between The Sheets, but you'll get a special discount, with prices as low as $1.98/month if you go with a 40 month subscription. With numerous great features and even a TV-specific Android app to make streaming easier, there is no better choice if you're looking to subscribe to WWE Network, AEW Plus, and other region-locked services.For the best in both current and classic indie wrestling streaming, make sure to check out IndependentWrestling.tv and use coupon code BTSPOD for a free 5 day trial! (You can also go directly to TinyURL.com/IWTVsheets to sign up that way.) If you convert to a paid subscriber, we get a kickback for referring you, allowing you to support both the show and the indie scene.You can also use code BTSPOD to save 25% on your first payment — whether paying month to month or annually — when you subscribe to Ultimate Classic Wrestling Network at ClassicWrestling.net!To subscribe, you can find us on iTunes, Google Play, and just about every other podcast app's directory, or you can also paste Feeds.FeedBurner.com/BTSheets into your favorite podcast app using whatever “add feed manually” option it has.Support this podcast at — https://redcircle.com/between-the-sheets/donationsAdvertising Inquiries: https://redcircle.com/brands

    Aujourd'hui l'économie
    Google prend l'avantage dans la course à l'IA grâce à ses puces maison

    Aujourd'hui l'économie

    Play Episode Listen Later Dec 1, 2025 3:30


    Longtemps considéré comme un acteur en retrait face à la montée fulgurante d'OpenAI et à la domination écrasante de Nvidia sur les puces pour l'intelligence artificielle, Google revient aujourd'hui au premier plan. Grâce à ses propres processeurs conçus en interne, le géant de la Silicon Valley pourrait bien redéfinir l'équilibre des forces dans un secteur en pleine effervescence. Depuis plus de trois ans, Nvidia règne sans partage sur le matériel nécessaire à l'intelligence artificielle. Ses puces équipent les centres de données du monde entier et permettent d'entraîner les modèles les plus avancés. Mais cette situation quasi monopolistique a entraîné une forte dépendance des entreprises. La demande a explosé et les prix se sont envolés. Tout le secteur s'est mis en quête d'alternatives. C'est dans ce contexte que Google refait surface. Le groupe investit désormais plus de 90 milliards de dollars par an dans ses data centers et développe depuis des années ses propres puces IA, longtemps restées discrètes, car réservées à un usage interne. Tout a changé avec la présentation de Gemini 3, le nouveau modèle d'intelligence artificielle de Google. Ce modèle, salué comme l'un des plus performants au monde, tourne exclusivement sur les puces maison du groupe, sans recourir aux GPU Nvidia. Une rupture majeure qui démontre que le monopole de Nvidia peut être contourné. À lire aussiGoogle mise tout sur l'intelligence artificielle pour assurer son avenir Des puces ultra-optimisées qui séduisent Meta et d'autres géants Ces puces Google se distinguent par une spécialisation extrême. Elles sont optimisées pour les opérations qui composent près de 90% du travail d'une IA. Là où les puces Nvidia sont polyvalentes, celles de Google se concentrent sur une tâche unique, mais la réalisent de façon redoutablement efficace. Cette approche séduit désormais les plus grands acteurs du numérique. Meta, pourtant cliente de longue date de Nvidia, discute déjà avec Google d'un possible contrat pour utiliser ces puces dès 2027. Un signal fort : même les partenaires historiques de Nvidia envisagent d'autres options. Si ces négociations aboutissent, Google deviendrait non seulement un géant de la recherche et du cloud, mais aussi un vendeur de puces et un créateur de modèles IA. Une position unique dans le secteur. Une intégration verticale qui place Google en position dominante Google possède un atout que personne d'autre ne peut revendiquer à ce niveau : une intégration verticale totale. Le groupe peut créer ses propres puces, les installer dans ses data centers, entraîner ses modèles dessus, puis les distribuer instantanément auprès de centaines de millions d'utilisateurs à travers ses services (Recherche, YouTube, Android, etc.). Cette maîtrise complète de la chaîne de valeur donne à Google un avantage stratégique inégalé. Face à cela, les principaux concurrents réagissent. OpenAI poursuit son innovation, mais reste entièrement dépendante de Nvidia pour entraîner ses modèles. Nvidia, de son côté, conserve une avance technologique, mais se voit désormais talonné par ces nouveaux entrants accélérant à grande vitesse. Pour certains spécialistes, Google réunit la puissance technologique de Nvidia et la maîtrise logicielle d'OpenAI. Une combinaison redoutable, qui explique en partie pourquoi la capitalisation boursière du groupe a dépassé les 4 000 milliards de dollars. Le géant endormi s'est bel et bien réveillé — et semble aujourd'hui prêt à redéfinir l'avenir de l'intelligence artificielle.

    Juicebox Podcast: Type 1 Diabetes
    #1695 Bolus 4 - Lettuce

    Juicebox Podcast: Type 1 Diabetes

    Play Episode Listen Later Nov 30, 2025 13:29


    Jenny and Scott talk about how to bolus for lettuce and all that can come with it. Free Juicebox Community (non Facebook) Type 1 Diabetes Pro Tips - THE PODCAST Eversense CGM Medtronic Diabetes Tandem Mobi ** twiist AID System Drink AG1.com/Juicebox 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!

    Behind The Knife: The Surgery Podcast
    Behind the Knife en español: repaso para la certificación en cirugía general- Trauma cardiáco - (Cardiac Trauma)

    Behind The Knife: The Surgery Podcast

    Play Episode Listen Later Nov 30, 2025 30:20


    Enlace del curso: https://app.behindtheknife.org/premium/repaso-para-el-examen-de-certificaci-n-en-cirug-a-general Behind the Knife es el podcast quirúrgico líder en el mundo y una plataforma de educación quirúrgica. Nuestra misión es crear contenido innovador de educación quirúrgica que sea accesible para todos. Estamos muy emocionados de expandirnos al público hispanohablante y ofrecerles 4 episodios de muestra de nuestro Curso de Repaso para el examen de certificación de Cirugía General. Hoy, escucharás un caso de muestra de este curso de repaso en audio, que incluye 100 escenarios. El curso tiene un formato emocionante y completamente único. Cada uno de los 100 caso consta de dos partes. La primera parte es un caso oral perfectamente ejecutado que imita la realidad. Cada caso tiene una duración de cinco a siete minutos e incluye una variedad de tácticas y estilos. Si logras alcanzar este nivel de desempeño en tu preparación, seguramente aprobarás el examen de certificación con éxito. La segunda parte introduce comentarios de alto rendimiento para cada escenario. Estos comentarios incluyen consejos y trucos para ayudarte a dominar los escenarios más desafiantes, además de una enseñanza práctica y fácil de entender que cubre los temas más confusos que enfrentamos como cirujanos generales. Estamos seguros de que encontrarás este enfoque único de doble formato como una forma altamente efectiva de prepararte para el examen. Nuestro contenido está disponible en nuestras aplicaciones para iOS y Android y en nuestro sitio web (behindtheknife.org). Por favor, consulta las notas del programa para más información. Nos encantaría escuchar tus comentarios sobre este episodio enviando un correo electrónico a hello@behindtheknife.org y apreciamos tu ayuda para difundir la palabra entre tus colegas si disfrutas del material. Este contenido incluye 97 descripciones operatorias para todos los procedimientos comunes —y la mayoría de los poco comunes— incluidos en el Currículo de Cirugía General SCORE. Cada descripción está diseñada para ayudar a los candidatos a prepararse de manera eficaz para el Examen de Certificación en Cirugía General. presentadores de podcast: - Auri P. Garcia Gonzalez, MD PhD nació en San Juan, Puerto Rico, y se trasladó a los Estados Unidos en el 2012 para sus estudios graduados. Actualmente, es estudiante de post-grado en cirugía general en Duke University. - Diego Schaps, MD, MPH es un residente de cirugía general en Duke y nació en Miami, en el estado de la Florida. Sus padres nacieron en El Salvador. Disclaimer: Los productos de contenido de Behind the Knife son únicamente para fines educativos. No diagnosticamos, tratamos ni ofrecemos consejos específicos para pacientes. ------ Behind the Knife is the world's leading surgical podcast and surgical education platform.  Our mission is to create innovative surgical education content that is accessible to all.  We are very excited to expand into the spanish audience and bring you 4 sample episodes of our General Surgery Oral Board Review Course which will be released over the course of the next week. Today, you'll hear a sample scenario from this comprehensive audio review course which includes 100 scenarios.  The course has an exciting and entirely unique format. Each of the 100 scenarios includes two parts. The first part is a perfectly executed oral board scenario that mimics the real thing. Scenarios are five to seven minutes long and include a variety of tactics and styles. If you're able to achieve this level of performance in your preparation, you are sure to pass the oral exam with flying colors. The second part introduces high yield commentary to each scenario. This commentary includes tips and tricks to help you dominate the most challenging scenarios in addition to practical, easy to understand teaching that covers the most confusing topics that we face as general surgeons. We are confident you will find this unique dual format approach a highly effective way to prepare for the test. The course contains crisp, concise operative descriptions that cover all SCORE common topics and and most SCORE uncommon topics. Our content is available on our iOS and Android apps and website (behindtheknife.org).  Please check the show notes for more information. We would love to hear your feedback by emailing hello@behindtheknife.org and appreciate your help spreading the word to your colleagues if you enjoy the material. Hosts: - Auri P. Garcia Gonzalez, MD PhD was born and raised in San Juan, Puerto Rico and moved to the US in 2012 for graduate studies. At present, she is a surgical resident at Duke University. - Diego Schaps, MD, MPH is a general surgery resident at Duke and was born in Miami, Florida. His parents were born in El Salvador. Please visit https://behindtheknife.org to access other high-yield surgical education podcasts, videos and more. If you liked this episode, check out our recent episodes here: https://app.behindtheknife.org/listen

    Sea Hawkers Podcast for Seattle Seahawks fans
    Seahawks vs Vikings: News, Injuries, Notes and Best Bets

    Sea Hawkers Podcast for Seattle Seahawks fans

    Play Episode Listen Later Nov 30, 2025 39:55


    The Seahawks kick off against the Minnesota Vikings on Sunday. We take a look at the latest news as Quandre Diggs is called up from the practice squad along with Velus Jones and Myles Gaskin. Our poll question this week centers around how many sacks the defense could get against the Vikings rookie quarterback. Majority of fans took the 5+ route, and we discuss why 3-4 is the more likely option to see. Stick around for the top bets of the week as Clinton and Adam strategize around who could see an increase in targets if the Vikings continue to go heavy on the blitz on defense. Join our Sea Hawkers Podcast Pickem League - free prizes for weekly winners. 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