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404. It's Not Too Late! How We Save the Planet with Dr. Ayana Johnson Glennon, Abby and Amanda speak with Dr. Ayana Johnson, a marine biologist, policy expert, writer, and teacher working to help improve our climate future.  The joy of imagining what comes next for our planet, if we mobilize and engage in fostering climate solutions.  How to create a personalized climate action plan: realistic things you can do on an individual and community level to help heal the planet.  Why we're not as satisfied with hyper-consumerism as we think we are and how we can get back to nature.  For more, check out Dr. Ayana Johnson's podcast What If We Get It Right? on Apple or Spotify. About Dr. Johnson:  Dr. Ayana Elizabeth Johnson is a marine biologist, policy expert, writer, and teacher working to help create the best possible climate future. She co-founded and leads Urban Ocean Lab, a think tank for the future of coastal cities, and is the Roux Distinguished Scholar at Bowdoin College. Ayana authored the book What If We Get it Right?: Visions of Climate Futures, co-edited the bestselling climate anthology All We Can Save, co-created and co-hosted the Spotify/Gimlet podcast How to Save a Planet, and co-authored the Blue New Deal, a roadmap for including the ocean in climate policy. She earned a BA in environmental science and public policy from Harvard University, and a Ph.D. in marine biology from Scripps Institution of Oceanography. She serves on the board of directors for Patagonia and GreenWave and on the advisory board of Environmental Voter Project. Above all: Ayana is in love with climate solutions. To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

Welcome back to The Viall Files: Reality Recap!  It's an all new week and boy do we have a banger episode to start it off with. Today,  it's the return of our favorite Humble Braggers Cynthia and Crystal (and friends…) to get into Garcelle's exit from RHOBH, and RHOA! Plus, we welcome stand up comedian and Emmy nominated writer Rae Sanni to give her takes on all things Bravo. Meanwhile, we get into bringing children to Coachella, how often one should wash their sheets, Wendy's beef (the literal and the figurative), and more! Be sure to tune in… you will not want to miss it.  “I don't trust a guy who smiles that much!” Subscribe to The ENVY Media Newsletter Today: https://www.viallfiles.com/newsletter  OUT NOW! Listen to Humble Brag with Cynthia Bailey and Crystal Kung Minkoff. Available wherever you get your podcasts and YouTube: https://www.youtube.com/@humblebragpod https://podcasts.apple.com/us/podcast/humble-brag-with-crystal-and-cynthia/id1774286896 Start your 7 Day Free Trial of Viall Files + here: https://viallfiles.supportingcast.fm/  Please make sure to subscribe so you don't miss an episode and as always send in your relationship questions to asknick@theviallfiles.com to be a part of our Monday episodes. Follow us on X/Twitter: https://twitter.com/TheViallFiles Listen To Disrespectfully now! Listen on Apple: https://podcasts.apple.com/us/podcast/disrespectfully/id1516710301 Listen on Spotify: https://open.spotify.com/show/0J6DW1KeDX6SpoVEuQpl7z?si=c35995a56b8d4038 Watch on YouTube: https://www.youtube.com/channel/UCCh8MqSsiGkfJcWhkan0D0w To Order Nick's Book Go To: http://www.viallfiles.com  If you would like to get some texting advice on Office Hours send an email to asknick@theviallfiles.com with “Texting Office Hours” in the subject line! To advertise on this podcast please email: ad-sales@libsyn.com or go to: https://advertising.libsyn.com/theviallfiles     THANK YOU TO OUR SPONSORS: SitterCity - Go to https://www.SitterCity.com and take the guesswork out of finding care. Breathe easier knowing your kids are in good hands. Visit https://sittercity.com today to get the care you need. Wayfair - Shop the best selection of home improvement online. Get renovating with Wayfair. Head to https://wayfair.com right now. Bilt  - Start paying rent through Bilt and take advantage of your Neighborhood Benefits by going to https://joinbilt.com/viall  Helix Sleep - Go to https://helixsleep.com/viall for the Spring Savings Event to get 20% Off Sitewide FIGS Scrubs - Go to https://wearfigs.com and use the code FIGS-R-X to get 15% off your first order. Nanit - The Nanit baby monitor is changing parenthood for the better! It's the one baby item we can't live without. And of course, we have a special offer just for our listeners! Get 20% off your first order with code BABY20 at https://nanit.com  Timestamps: (00:00) - Intro (02:32) - Coachella (08:40) - A Simple Favor (12:03) - Anniversary (18:51) - Household Headlines (31:53) - Rae Sanni Joins (32:41) - RHOBH (47:27) - RHOA (54:31) - Summer House (01:15:50) - Labubu Craze (01:24:47) - Got To Get Out and Traitors (01:32:45) - Cynthia on RHOA (01:42:13) - Garcelle Exit and Housewives BTS (02:02:11) - Humble Brag (02:03:37) - Outro Episode Socials: @viallfiles @nickviall @nnataliejjoy @humblebragpod @cynthiabailey @crystalkungminkoff @raesanni87 @ciaracrobinson @justinkaphillips @the_mare_bare @leahgsilberstein @dereklanerussell   

Was Ruth Ellis a woman pushed too far by years of abuse, or a cold-blooded killer? Her crime shook Britain to its core, and her execution sparked a nationwide debate that still echoes today. Tune in to hear the story of the woman who became the last to be hanged in the UK for the murder of her on-again, off-again partner, David Blakely.  Thank you to this week's sponsors! This Mother's Day, consider Nutrafol - the best-selling hair growth supplement. Whether you're gifting to yourself or a loved one, Nutrafol is offering our listeners $10  off any order! Enjoy free shipping when you subscribe. Go to Nutrafol.com and enter the promo code MOMSGIFT.  If you're looking for a step-by-step program designed to help hormones and get relief, then you want Belle Vitale. And right now our listeners are getting 15% off when they use code BV15 at BelleVitale.com.  Keep your pet feeling their best with Ruff Greens! Fetch a FREE Jumpstart Trial Bag for your pet today. Just go to RuffGreens.com and use code MOMS and just cover shipping!    Check-out bonus episodes up on Spotify and Apple podcast now! To advertise on the show, contact sales@advertisecast.com or visit https://www.advertisecast.com/MomsandMysteriesATrueCrimePodcast.  Listen and subscribe to Melissa's other podcast, Criminality!! It's the podcast for those who love reality TV, true crime, and want to hear all the juicy stories where the two genres intersect. Subscribe and listen here: www.pod.link/criminality    Check-out Moms and Mysteries to find links to our tiktok, youtube, twitter, instagram and more.  Sources:   https://www.bailii.org/ew/cases/EWCA/Crim/2003/3556.html Ruth Ellis: the tragic story of the last woman to be hanged for murder in the UK | The Standard BBC NEWS | UK | England | London | Judgement reserved in Ellis case https://www.newspapers.com/image/825606653/?match=1&terms=Ruth%20Ellis https://www.newspapers.com/image/825708716/?match=1&terms=Ruth%20Ellis https://www.newspapers.com/image/873733551/?match=1&terms=Ruth%20Ellis https://www.newspapers.com/image/825709085/?match=1&terms=Ruth%20Ellis https://www.newspapers.com/image/721108116/?match=1&terms=Ruth%20Ellis Old Bailey | History, Building, Trials, London, Bombing, V for Vendetta, A Tale of Two Cities, & Facts | Britannica https://www.newspapers.com/image/721120351/ https://www.newspapers.com/image/721120424/ https://www.newspapers.com/image/721120468/ https://www.newspapers.com/image/721120589/ https://www.newspapers.com/image/789217802/?match=1&terms=Ruth%20Ellis https://www.newspapers.com/image/789824513/?match=1&terms=Ruth%20Ellis https://www.newspapers.com/image/825606689/?match=1&terms=Ruth%20Ellis https://www.newspapers.com/image/789193497/?match=1&terms=Ruth%20Ellis https://www.newspapers.com/image/789296325/?match=1&terms=Ruth%20Ellis https://www.express.co.uk/showbiz/tv-radio/2022374/itv-Ruth-Ellis-children-who-Georgie https://www.findagrave.com/memorial/85656463/clare_andre-neilson Daughter of Ruth Ellis dies of cancer | York Press https://www.mirror.co.uk/tv/tv-news/ruth-ellis-tragedy-children-new-34793113 Ruth Ellis: Lawyers seek pardon for last woman hanged in Britain Justice for Ruth Ellis, the last woman in the UK to be executed Mishcon de Reya instructed to pursue pardon for Ruth Ellis The true story of Ruth Ellis and the hanging that rocked a nation Ruth Ellis: the tragic story of the last woman to be hanged for murder in the UK | The Standard. Ruth Ellis – the Last Woman to be Hanged | London Historians' Blog David Blakely 1929-1955 | History, Monuments and Memorials of Penn Ruth Ellis: The model who smiled at her executioner The real Ruth Ellis? As Lucy Boynton prepares to play the last woman to be executed in Britain, Tatler tells her tragic true story Ruth Ellis Jealousy, Rejection and a Hanging - Real Crimes https://www.google.com/books/edition/Ruth_Ellis_My_Sister_s_Secret_Life/_qjABAAAQBAJ?hl=en&gbpv=1 Ruth Ellis Jealousy, Rejection and a Hanging - Real Crimes ‘Being Ruth Ellis's granddaughter had no impact on who I am today… or so I thought'

From Ossie Davis and Ruby Dee on The Guiding Light to the first Black super-couple, Jesse and Angie on All My Children, Black soap actors have been on the canvas. According to an executive at CBS, Black women overindex as soap watchers, which has led to the first new daytime soap in decades. Beyond the Gates debuted with a core Black family in February 2025. It's an exciting time to be a Black soap fan. Even though there's been Black representation, Black writers and actors have often had to push to be more than sidekicks, according to soap writer Shannon Peace. “You see the faces; they're there,” Peace said. “But what are the storylines? Why do we still feel often like they're being backgrounded or there being support staff, to prop [up] other characters or other families? And when I say other characters or other families, I mean white characters or white families.” Peace said she doesn't see that problem in primetime television, but it still exists in daytime. “I feel in primetime mode, for the most part, they've done away with a Black sidekick, with a Black friend — that Black best friend — and you have Black characters in meaningful front-facing roles that are driving story. I don't see that in daytime.” You can listen to this podcast episode by following “Making: Stories Without End” on Apple, Spotify, Pocket Casts, NPR One or wherever you get your podcasts. Episodes drop every Tuesday for six weeks starting April 8.

 If you're heading on vacation this summer, you're going to want to listen to this. The Verge's Gaby del Valle joins the show to explain how worried you need to be about your digital data when you cross borders, and what you can do to protect yourself. Even if you don't think you have anything to hide, a little precaution goes a long way. After that, Puck's Matt Belloni joins the show to explain why Apple, Amazon, Google, and other tech companies continue to pour money into the streaming business, when it seems so far removed from what those companies do well. (Spoiler alert: it's fun to be friends with Ben Stiller.) Finally, we answer a hotline question about the Google Pixel's ascent to “best Android phone for people who just want a phone.”  Oh, also: thanks to everyone who voted for us in the Webby Awards! We'll know soon whether we won, but however it shakes out, we're so grateful to everyone who voted for us. Further reading: Is it safe to travel to the United States with your phone right now? DHS's airport panopticon is getting people deported and detained Trump says he wants to deport US citizens to El Salvador Matt Belloni at Puck The Town podcast From Puck: How Long Can the Apple TV+ Experiment Sputter On? - Puck Google Pixel 9A review: a midrange phone done right Google Pixel 9 review: the phone that Android needs Email us at vergecast@theverge.com or call us at 866-VERGE11, we love hearing from you. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Ep 234: Joyce Chiang A woman disappeared from Dupont Circle, DC in 1999. 25 years later, her case remains unsolved This is the Joyce Chiang story. Sources for Today's Episode: Los Angeles Times Washington City Paper NBC 4 Washington The Washington Post WTTG Fox 5 Unsolved.com Sponsors: (thanks for using our promo codes, it really does help the show!) Chewy - Chewy has everything you need to keep your pet happy and healthy. And right now you can save $20 on your first order and get free shipping by going to Chewy.com/women. Shopify - If you want to see less carts being abandoned, its time for you to head over to Shopify. Sign up for your o$1-per-month trial and start selling today at shopify.com/crimewomen Credits: Written and Hosted by Amy Shlosberg and Meghan Sacks Produced by James Varga Audio Editor, Jose Alfonzo Script Editor, Abagail Belcastro Music by Dessert Media Get Even More Women&Crime Episodes: Patreon - Ad-free shows starting at $2 a month, or upgrade for $5 a month to get a new extra episode every month, as well as exclusive virtual HappyHours with Meg & Amy. Check-out other tiers for perks such as lectures, true crime book club, and more! Visit our Patreon page for more info: https://www.patreon.com/womenandcrime Apple Subscriptions - Exclusive episodes and ad-free regular stories are now available through Apple's podcast app for only $4.99 a month, or save with an annual membership. YouTube Memberships - Exclusive episode available on YouTube for only $4.99 a month. https://www.youtube.com/@WomenandCrime/membership Help is Available: If you or someone you know is in a crisis situation, or a victim of domestic, or other violence, there are many organizations that can offer support or help you in your specific situation. For direct links to these organizations please visit https://womenandcrimepodcast.com/resources/ Learn more about your ad choices. Visit megaphone.fm/adchoices

We asked listeners to tell us about the one song they couldn't stop listening to because of how it made them feel. On this episode we share some of their picks and the stories behind them.Note: This episode originally aired in Dec. 2024Weekly reset: Mochi street vendor, JapanEnjoy the show? Share it with a friend and leave us a review on Apple or wherever you listen to podcasts. Questions, comments, suggestions or feedback of any kind always welcome: allsongs@npr.org Hear new songs from past episodes in the All Songs Considered playlists in Apple Music and Spotify.Learn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy

In the third installment of our series Living at Odds, How To!'s Courtney Martin examines what it's like being in conflict with your family history. She talks with ancestors of the famous names in Plessy v. Ferguson, the Supreme Court decision that affirmed racial segregation in the U.S. as “separate but equal.” Later, researcher Kellie Farrish explains how reparative genealogy can unlock family history that's been lost or erased—and bring together descendants of enslaved people and their enslavers into conversations about the past, present, and future. If you're enjoying Living at Odds, check out this How To! episode: How To ‘Do the Work' of Racial Justice.  Do you have a problem that needs solving? Send us a note at howto@slate.com or leave us a voicemail at 646-495-4001 and we might have you on the show. Subscribe for free on Apple, Spotify, or wherever you listen. This episode was produced by Maura Currie and Rosie Belson. Our technical director is Merritt Jacob, who composed original music for this series. Our supervising producer is Joel Meyer. Thank you to Dahlia Lithwick of Amicus and Sophie Summergrad for their help with this episode. Special thanks to The Hearthland Foundation, which provided funding for Living at Odds. Want more How To!? Subscribe to Slate Plus to unlock exclusive bonus episodes. Plus, you'll access ad-free listening across all your favorite Slate podcasts. Subscribe now on Apple Podcasts by clicking “Try Free” at the top of the How To! show page. Or, visit slate.com/howtoplus to get access wherever you listen. Learn more about your ad choices. Visit megaphone.fm/adchoices

Rick Gehman, Sia Nejad and Mike McClure preview the Zurich Classic with DFS picks, strategy and how to approach this week's team event. (0:00) Intro + approaching the team format & TPC Louisiana (9:39) Breaking down players and teams for this week's event - 10k + 9k (20:30) 8k | Team Alejan-Joe & more (26:00) 7k & 6k | This is where things start to get spicy #SportsBetting #Gambling #Betting #EarlyWedge #PGATour #ZurichClassic #DraftKings #FantasyGolf #RickRunGood

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In the third installment of our series Living at Odds, How To!'s Courtney Martin examines what it's like being in conflict with your family history. She talks with ancestors of the famous names in Plessy v. Ferguson, the Supreme Court decision that affirmed racial segregation in the U.S. as “separate but equal.” Later, researcher Kellie Farrish explains how reparative genealogy can unlock family history that's been lost or erased—and bring together descendants of enslaved people and their enslavers into conversations about the past, present, and future. If you're enjoying Living at Odds, check out this How To! episode: How To ‘Do the Work' of Racial Justice.  Do you have a problem that needs solving? Send us a note at howto@slate.com or leave us a voicemail at 646-495-4001 and we might have you on the show. Subscribe for free on Apple, Spotify, or wherever you listen. This episode was produced by Maura Currie and Rosie Belson. Our technical director is Merritt Jacob, who composed original music for this series. Our supervising producer is Joel Meyer. Thank you to Dahlia Lithwick of Amicus and Sophie Summergrad for their help with this episode. Special thanks to The Hearthland Foundation, which provided funding for Living at Odds. Want more How To!? Subscribe to Slate Plus to unlock exclusive bonus episodes. Plus, you'll access ad-free listening across all your favorite Slate podcasts. Subscribe now on Apple Podcasts by clicking “Try Free” at the top of the How To! show page. Or, visit slate.com/howtoplus to get access wherever you listen. Learn more about your ad choices. Visit megaphone.fm/adchoices

Can you help me make more podcasts? Consider supporting me on Patreon as the service is 100% funded by you: https://EVne.ws/patreon You can read all the latest news on the blog here: https://EVne.ws/blog Subscribe for free and listen to the podcast on audio platforms: ➤ Apple: https://EVne.ws/apple ➤ YouTube Music: https://EVne.ws/youtubemusic ➤ Spotify: https://EVne.ws/spotify ➤ TuneIn: https://EVne.ws/tunein ➤ iHeart: https://EVne.ws/iheart CHINESE EV BRANDS SHIFT FOCUS TO UK AMID US TARIFFS https://evne.ws/44leMtd TESLA DELAYS AFFORDABLE EV LAUNCH TO 2025-26 https://evne.ws/4k1cEvh TESLA'S ROBOTAXI VISION FACES CHALLENGES https://evne.ws/3RqHzos BYD SEAGULL WINS WORLD CAR AWARD https://evne.ws/42T4fUK LEAPMOTOR EXPANDS SUV RANGE IN AUSTRALIA https://evne.ws/3RZzNSw ZEEKR 009 GRAND COLLECTOR EDITION LAUNCH https://evne.ws/3RVrhUG SUZUKI ENHANCES WARRANTIES WITH DECADE-LONG COVERAGE https://evne.ws/3RtmXfc CHINESE COMPANY ENHANCES BMW I3 BATTERY PERFORMANCE https://evne.ws/4jnYEvu INSURANCE CHALLENGES FOR TESLA OWNERS https://evne.ws/3Y7z0mi CHRIS PACKHAM URGES BAN ON FOSSIL FUEL ADS https://evne.ws/3EDAvll ENHANCING EV EXPERIENCE THROUGH SOUND DESIGN https://evne.ws/4itkv3x GEELY-RENAULT JV LAUNCHES VERSATILE HYBRID POWERTRAIN https://evne.ws/3Guy70N FORD E-TRANSIT TRANSFORMED INTO ELECTRIC SAUNA VAN https://evne.ws/3Y6t2lv

Jase and Jep recount a brutal day of treasure hunting that went from bad to worse as bad news started rolling in. After a rough week, the guys regroup and laugh about their "old man struggles" and feeling like they're falling apart. Jase finds a surprising opportunity when a fast-food mishap opens the door to an unexpected gospel conversation. The guys challenge Christians to embrace the mission of reaching just one person for Jesus, unpack the true meaning of being made in God's image, and explore how Peter's first sermon connected the ancient promises to a kingdom already breaking through. In this episode: John 6; Matthew 28, verses 28-30; Colossians 3, verse 10; Isaiah 54; Isaiah 55, verses 1-5; Psalm 22, verse 27 “Unashamed” Episode 1078 is sponsored by: https://fastgrowingtrees.com/unashamed — Save up to half-off on select plants and when you use code UNASHAMED at checkout you'll get an additional 15% off! https://tomorrowclubs.org/unashamed — Bring hope to kids in some of the darkest corners of the world. Help us hit our goal of 1,200 new Tomorrow Clubs members this month! https://cozyearth.com/unashamed — Get 40% off sheets, towels, and more when you use our link or use code UNASHAMED! Abide — Get 25% off a premium subscription, for a limited time only, when you text “unashamed” to 22433! Listen to Not Yet Now with Zach Dasher on Apple, Spotify, iHeart, or anywhere you get podcasts. — Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, Payton and Garrett explore the chilling case of Esmeralda Gonzalez, an Instagram influencer who mysteriously vanished from her Las Vegas neighborhood. Links: Patreon: https://www.patreon.com/murderwithmyhusband NEW MERCH LINK: https://mwmhshop.com Twitch: https://www.twitch.tv/themwmh Instagram: https://www.instagram.com/murderwithmyhusband/ Watch on Youtube: https://www.youtube.com/@murderwithmyhusband Listen on Apple: https://podcasts.apple.com/us/podcast/into-the-dark/id1662304327 Listen on spotify: https://open.spotify.com/show/36SDVKB2MEWpFGVs9kRgQ7?si=f5224c9fd99542a7 Case Sources: Oxygen.com - https://www.oxygen.com/crime-news/christopher-prestipino-pleads-not-guilty-esmeralda-gonzalez-murder News3LV.com - https://news3lv.com/news/local/new-details-emerge-surrounding-murder-of-young-woman-who-was-found-encased-in-concrete 8NewsNow.com - https://www.8newsnow.com/news/local-news/woman-extradited-charged-in-the-murder-of-esmeralda-gonzalez/ HalfPriceLawyers.com - https://www.halfpricelawyers.com/blog/arrests-made-in-connection-with-murder-of-las-vegas-young-woman/ People.com -  https://people.com/crime/instagram-model-encased-concrete-man-sentenced/ WPDE.com - https://wpde.com/news/nation-world/judge-sentences-man-accused-of-killing-woman-encasing-her-in-concrete-las-vegas-southern-nevada-christopher-prestipino ReviewJournal.com - https://www.reviewjournal.com/crime/courts/woman-gets-prison-in-las-vegas-models-killing-2782246/ LawAndCrime.com - https://lawandcrime.com/crime/man-sentenced-in-grisly-killing-of-missing-model-who-was-strangled-injected-with-pool-cleaner-and-encased-in-concrete/ SinsAndSurvivors.com - https://www.sinsandsurvivors.com/death-of-a-rising-star-esmerelda-gonzalez/#:~:text=The%20Gonzalez%20family%20came%20to,and%20raised%20their%20children%20there. KTNV.com - https://www.ktnv.com/news/police-believe-missing-woman-strangled-to-death-injected-with-poison#google_vignette Learn more about your ad choices. Visit podcastchoices.com/adchoices

On today's episode of The Right Time, Bomani Jones reacts to all the Game 1's of the NBA playoffs. Bo starts off by dissecting the Rockets vs Warriors series explaining how Houston is too reliant on Jalen Green and why this series has him rooting against his friend Joel Anderson. Bo continues by saying the Clippers vs Nuggets game was the best of the weekend and why Russell Westbrook is one of his favorite NBA players of all-time. Bo also declares that the Lakers will have serious issues if the Timberwolves go up 2-0 in the series and why Nico Harrison is currently losing his long bet vs Luka Doncic. And finally, we have another round of If You Haven't Heard stories involving college students pursuing Wall Street jobs and grandparents raising children. Then Bomani listens to some voicemails about the funniest thing you've heard a coach say. If You Haven't Heard Contributors: Emmalyse Brownstein, Finance Reporter at Insider: “The Wall Street career path can be brutal. Young people are embracing it.” https://bit.ly/4iqSmK6 Faith Hill, Staff Writer at The Atlantic: “Grandparents Are Reaching Their Limit” https://bit.ly/44xGYsC 0:00 - Intro 2:47 - Jalen Green 6:17 - Rooting against Joel Anderson 12:30 - Clippers vs Nuggets 15:18 - Russell Westbrook 25:04 - Lakers issues 31:17 - Nico losing bet against Luka 43:12 - IYHH 52:26 - Voicemails . . . Subscribe to The Right Time with Bomani Jones on Spotify, Apple or wherever you get your podcasts and follow the show on Instagram, Twitter, and Tik Tok for all the best moments from the show. Download Full Podcast Here: Spotify: https://open.spotify.com/show/6N7fDvgNz2EPDIOm49aj7M?si=FCb5EzTyTYuIy9-fWs4rQA&nd=1&utm_source=hoobe&utm_medium=social Apple: https://podcasts.apple.com/us/podcast/the-right-time-with-bomani-jones/id982639043?utm_source=hoobe&utm_medium=social Follow The Right Time with Bomani Jones on Social Media: http://lnk.to/therighttime Subscribe to Supercast for Ad-Free Episodes: https://righttime.supercast.com/ Support the Show: Discover faster, more reliable search with Perplexity today. Download the app or ask Perplexity anything at perplexity.com! https://pplx.ai/bomani-jones When any player scores 50 or more points in a game, DashPass members save 50% on an order, up to $10 off. Use promo code NBA50 to redeem. See further terms and conditions at https://drd.sh/8ONpZP/ Go to zbiotics.com/BOMANI to learn more and get 15% off your first order when you use BOMANI at checkout. Celebrate the progress you've already made. Visit BetterHelp.com/BOMANI today to get 10% off your first month. Download the DraftKings Pick Six app NOW and use code BOMANI. Better payouts. Bigger wins. Only with Pick6 from DraftKings. The Crown is yours. Learn more about your ad choices. Visit megaphone.fm/adchoices

Our story tonight is called Spring Recital, and it's a story about a piano waiting in the spotlight at auditorium. It's also about lesson books and rows of family and friends listening with pride, oboes and violas, a deep breath before the music begins and the adventure of finding the things you love and make you who you are. We give to a different charity each week and this week we are giving 15/10 Foundation Helping shelter dogs with medical needs find forever homes. AquaTru water purifier: Click here and get 20% OFF with code NOTHINGMUCH. Beam Dream Powder: Click here for up to 40% off with code NOTHINGMUCH. BIOptimizers' Sleep Breakthrough: Click here and use code NOTHINGMUCH for 10% off any order! Cymbiotika products: Click here for 20% off and free shipping! Moonbird, the world's first handheld breathing coach: Click here and save 20%! NMH merch, autographed books and more! Pay it forward subscription Subscribe for ad-free, bonus and extra long episodes now, as well as ad-free and early episodes of Stories from the Village of Nothing Much! Search for NMH Premium channel on Apple podcast or follow this link. Listen to our daytime show Stories from the Village of Nothing Much on your favorite podcast app. Join us tomorrow morning for a meditation

Enter FFT's Draft Contest Here: https://tinyurl.com/fft2025draft We bring on our Senior NFL Draft Expert Ryan Wilson to dish on the prospects you need to know about! Which team will draft Shedeur Sanders (4:00)? How does Ryan feel about Cam Ward (10:00) and Travis Hunter (12:00)? And what is his outlook for Sanders (17:40)? ... Ryan gives his Top 5 quarterbacks (19:50), but we spend a lot more time on the running backs (22:00) including Omarion Hampton, the Ohio State guys, Cam Skattebo, Bhayshul Tuten, Brashard Smith and more ... Ryan's top wide receivers (39:00) with scouting reports on Matthew Golden, Luther Burden and several others. Plus, find out why Ryan has Tetairoa McMillan as his WR1. And then we talk about the tight ends (54:30) and a little bit about the offensive linemen (1:06:30) ... Email us at fantasyfootball@cbsi.com Fantasy Football Today is available for free on the Audacy app as well as Apple Podcasts, Spotify and wherever else you listen to podcasts Watch FFT on YouTube https://www.youtube.com/fantasyfootballtoday Shop our store: shop.cbssports.com/fantasy  SUBSCRIBE to FFT Express on Apple: https://podcasts.apple.com/us/podcast/fantasy-football-today-express/id1528634304 Follow FFT Express on Spotify: https://open.spotify.com/show/6qyGWfETSBFaciPrtvoWCC?si=6529cbee20634da8 SUBSCRIBE to FFT Dynasty on Apple: https://podcasts.apple.com/us/podcast/fantasy-football-today-dynasty/id1696679179 FOLLOW FFT Dynasty on Spotify: https://open.spotify.com/show/2aHlmMJw1m8FareKybdNfG?si=8487e2f9611b4438&nd=1 SUBSCRIBE to FFT DFS on Apple: https://podcasts.apple.com/us/podcast/fantasy-football-today-dfs/id1579415837 FOLLOW FFT DFS on Spotify: https://open.spotify.com/show/5zU7pBvGK3KPhfb69Q1hNr?si=1c5030a3b1a64be2 Follow our FFT team on Twitter: @FFToday, @AdamAizer, @JameyEisenberg, @daverichard, @heathcummingssr Follow the brand new FFT TikTok account: https://www.tiktok.com/@fftoday Join our Facebook group https://www.facebook.com/groups/FantasyFootballToday/ Sign up for the FFT newsletter https://www.cbssports.com/newsletter You can listen to Fantasy Football Today on your smart speakers! Simply say "Alexa, play the latest episode of the Fantasy Football Today podcast" or "Hey Google, play the latest episode of the Fantasy Football Today podcast." Visit the betting arena on CBSSports.com for all the latest sportsbook reviews and sportsbook To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

Today, more than 1 billion people around the world celebrate Earth Day—but decades before this global movement began, one woman laid the foundation. When aerial pesticide programs drenched the Northeast in chemicals like DDT, devastating ecosystems and killing thousands of wildlife species, marine biologist and writer Rachel Carson sounded the alarm. Her groundbreaking book, Silent Spring, ignited a nationwide reckoning with the hidden environmental costs of modern life. Listen to Watch Her Cook on Apple and Spotify! Follow us on Instagram  Resources:  The Sea Around Us, by Rachel Carson (1951). Silent Spring, by Rachel Carson (1962). “The Story of Silent Spring,” by the National Resources Defense Council (2015). “The Right Way to Remember Rachel Carson,” by Jill Lepore (The New Yorker, 2018). “The Personal Attacks on Rachel Carson as a Woman Scientist” by Mark Stoll (Environment & Society Portal, 2020). “Rachel Carson Memorial,” (Atlas Obscura, 2023). For the latest NPAD updates, group travel details, merch and more, follow us on npadpodcast.com and our socials at: Instagram: @nationalparkafterdark TikTok: @nationalparkafterdark Support the show by becoming an Outsider and receive ad free listening, bonus content and more on Patreon or Apple Podcasts. Want to see our faces? Catch full episodes on our YouTube Page! Thank you to the week's partners! Harvest Hosts: For 20% off your order, head to HarvestHosts.com and use code NPAD. Lume Deodorant: Control Body Odor ANYWHERE with @lumedeodorant and get 15% off with promo code NPAD at LumeDeodorant.com! #lumepod IQBAR: Text PARK to 64000 to get 20% off all IQBAR products and free shipping.

This week on Serialously with Annie Elise, tune into the notorious case of Boston police officer John O'Keefe, who was found lifeless in the snow outside a quiet suburban home. His girlfriend, Karen Read, became the immediate suspect—accused of running him over with her SUV and leaving him to die in a blizzard. As the case unfolded, whispers of a cover-up, corrupt investigators, and missing evidence began to surface. Karen claimed she was being framed, while others insisted she was hiding the truth. A lead investigator was later fired, texts were uncovered, and the cracks in the prosecution's case grew deeper. Now, as her highly anticipated retrial begins in 2025, the stakes are even higher and the mystery more twisted. Was Karen a killer in plain sight—or the fall girl for something she didn't do?

What causes Colors? How are you able to see Colors? Are Black & White actually Colors? Have you started your FREE TRIAL of Who Smarted?+ for AD FREE listening, an EXTRA episode every week & bonus content? Sign up right in the Apple app, or directly at WhoSmarted.com and find out why more than 1,000 families are LOVING their subscription! Get official Who Smarted? Merch: tee-shirts, mugs, hoodies and more, at Who Smarted?

You don't have to join a cult to get manipulated—just log onto the internet. This week on A Little Bit Culty, we're diving into the marketing matrix with Dr. Mara Einstein, professor, media critic, and author of Hoodwinked: How Marketers Use the Same Tactics as Cults. From influencer culture and MLMs to “brand cults” and rage farming, Mara breaks down how modern marketing preys on fear, insecurity, and our need to belong. She joins Sarah and Nippy for a deep-dive into the culty parallels between conversion funnels and recruitment tactics, why brands like Apple and Lululemon are more community than commerce, and how social media algorithms corral us into echo chambers where we become both the audience and the product. If you've ever felt like your phone is reading your mind, or like the coaching industry is selling more promises than progress, this one's for you. This is Part 1 of a two-part convo. Stay tuned next week for more! To learn more about Dr. Einstein and her work, visit drmaraeinstein.com. Also… let it be known that: The views and opinions expressed on A Little Bit Culty do not necessarily reflect the official policy or position of the podcast. Any content provided by our guests, bloggers, sponsors or authors are of their opinion and are not intended to malign any religion, group, club, organization, business individual, anyone or anything. Nobody's mad at you, just don't be a culty fuckwad. Check out our lovely sponsors Join ‘A Little Bit Culty' on Patreon Get poppin' fresh ALBC Swag Support the pod and smash this link Cult awareness and recovery resources Watch Sarah's TEDTalk CREDITS:  Executive Producers: Sarah Edmondson & Anthony Ames Production Partner: Amphibian.Media Writer & Co-Creator: Jess Tardy Associate producers: Amanda Zaremba and Matt Stroud of Amphibian.Media   Audio production: Red Caiman Studios Theme Song: “Cultivated” by Jon Bryant co-written with Nygel Asselin  

Mark Dice- Everyone Is Tired Of Them, Paul Joseph Watson- Just Get The Hell Away, Mr Reagan- Trump's SECRET to Redpilling Leftists   Mark Dice- Everyone Is Tired Of Them Paul Joseph Watson- Just Get The Hell Away Mr Reagan- Trump's SECRET to Redpilling Leftists   Everyone Is Tired Of Them https://youtu.be/qamr6RV8jR8?si=ghsMJt3xmO4_dyl9 Mark Dice 1.91M subscribers 224,992 views Apr 18, 2025 ⚠️ Order your tank tops here: https://markdice.com/collections/tanks

Join Premium! Ready for an ad-free meditation experience? Join Premium now and get every episode from ALL of our podcasts completely ad-free now! Just a few clicks makes it easy for you to listen on your favorite podcast player.  Become a PREMIUM member today by going to --> https://WomensMeditationNetwork.com/premium Join our Premium Sleep for Women Channel on Apple Podcasts and get ALL 5 of our Sleep podcasts completely ad-free! Join Premium now on Apple here --> https://bit.ly/sleepforwomen  Join our Premium Meditation for Kids Channel on Apple Podcasts and get ALL 5 of our Kids podcasts completely ad-free! Join Premium now on Apple here → https://bit.ly/meditationforkidsapple Hey, I'm so glad you're taking the time to be with us today. My team and I are dedicated to making sure you have all the meditations you need throughout all the seasons of your life.  If there's a meditation you desire, but can't find, email us at Katie Krimitsos to make a request. We'd love to create what you want!  Namaste, Beautiful,

Written by Simon ChadwickCome and follow more adventures on our animated TV show on Youtube!

The Food Relationship Fix is a transformative one-day virtual webinar designed to help outsmart your drive to eat and break free from food addiction patterns and take back control of your eating habits. Join leading experts in medicine, nutrition, psychology, and behavior change for a day of learning, self-discovery, and actionable strategies. Among the line-up of lecturers for this course are Dr. Jen Unwin, Dr. Rob Cywes, Dr. Tro Kalayjian and many other highly experienced coaches and medical practitioners. For details about the course and how to register, see the links below. In this episode, Dr. Tro and the Toward Health team talk about… (00:00) Intro (00:01) The upcoming Food Relationship Fix webinar (01:47) New developments and breaking news in the food addiction research world (02:59) Kevin Hall's research and why his recent findings on food addiction are not accurate (08:15) Lack of good, up to date nutrition information in medical education and how this issues perpetuates food addiction in the general population (13:10) The brain and food addiction (15:09) Recovery strategies for those struggling with food addiction (16:32) How to balance harm reduction strategies and abstinence during the recovery process (23:18) Shame, negative self-talk, and addiction (30:04) The confluence of circumstances and influences that make people primed and ready for addiction (35:21) The absolute NECESSITY of having a supportive community if you are in addiction recovery (42:47) How addiction keeps you trapped and how to counter its tricks (52:39) WHY community is essential for beating addiction (59:07) How to join Toward Health's Food Relationship Fix webinar (see links below) For more information, please see the links below. Thank you for listening!   Links:   Please consider supporting us on Patreon: https://www.lowcarbmd.com/   Resources Mentioned in this Episode:   The Food Relationship Fix (Food Addiction Course): https://toward.health/food-addiction-webinar/   Dr. Brian Lenzkes:  Website: https://arizonametabolichealth.com/ Twitter: https://twitter.com/BrianLenzkes?ref_src=twsrc^google|twcamp^serp|twgr^author   Dr. Tro Kalayjian:  Website: https://www.doctortro.com/ Twitter: https://twitter.com/DoctorTro Instagram: https://www.instagram.com/doctortro/   Toward Health App Join a growing community of individuals who are improving their metabolic health; together.  Get started at your own pace with a self-guided curriculum developed by Dr. Tro and his care team, community chat, weekly meetings, courses, challenges, message boards and more.    Apple: https://apps.apple.com/us/app/doctor-tro/id1588693888  Google: https://play.google.com/store/apps/details?id=uk.co.disciplemedia.doctortro&hl=en_US&gl=US Learn more: https://doctortro.com/community/ 

In this Bible Story, Saul rises as king. He leads the Israelites into victory over the Ammonites, and all the people rejoice over their new leader. However, a flickering light of pride dwells within Saul's heart. This story is inspired by 1 Samuel 11. Go to BibleinaYear.com and learn the Bible in a Year.Today's Bible verse is 1 Samuel 11:13 from the King James Version.Episode 80: All was well in Jabesh-Gilead, a farming village in Israel, until one day the Ammonites raided them, taking the people captive. The elders of the city begged for a treaty and Nahash, the commander of the Ammonites, gave them an offer of humiliation, pain, and servitude. The elders agreed but requested 7 days for a rescuer to come first. Little did Nahash know that God had given them a King, Saul, who would gather the people and come to their rescue!Hear the Bible come to life as Pastor Jack Graham leads you through the official BibleinaYear.com podcast. This Biblical Audio Experience will help you master wisdom from the world's greatest book. In each episode, you will learn to apply Biblical principles to everyday life. Now understanding the Bible is easier than ever before; enjoy a cinematic audio experience full of inspirational storytelling, orchestral music, and profound commentary from world-renowned Pastor Jack Graham.Also, you can download the Pray.com app for more Christian content, including, Daily Prayers, Inspirational Testimonies, and Bedtime Bible Stories.Visit JackGraham.org for more resources on how to tap into God's power for successful Christian living.Pray.com is the digital destination of faith. With over 5,000 daily prayers, meditations, bedtime stories, and cinematic stories inspired by the Bible, the Pray.com app has everything you need to keep your focus on the Lord. Make Prayer a priority and download the #1 App for Prayer and Sleep today in the Apple app store or Google Play store.Executive Producers: Steve Gatena & Max BardProducer: Ben GammonHosted by: Pastor Jack GrahamMusic by: Andrew Morgan SmithBible Story narration by: Todd HaberkornSee omnystudio.com/listener for privacy information.

Dr. A and Rick Kamla run through 9 fantasy basketball sleepers who massively outperformed their ADPs this season. Can Dyson Daniels, Trey Murphy, and Tyler Herro repeat next year? Should you fade Porzingis or Collins in 2025 drafts? We unpack the breakout paths, per-game vs. total values, and which players may regress. Also in this episode: Western Conference Playoff Takeaways Keys to each first-round series ATS & Prop bets for DET @ NYK and LAC @ DEN Essential listening for dynasty players, playoff watchers, and fantasy die-hards alike. Download the SportsEthos App on the APP Store and Google Play! FantasyPass now includes DAILY PROJECTIONS—perfect for DFS and head-to-head leagues. Join the Discussion on DISCORD for real-time advice and community support. Subscribe, Rate, and Review on Apple and Spotify for expert updates and tips!

On today's episode of The CLS Experience, we have a very exclusive treat. He's not just any expert; he's the trailblazer who defined what it means to be a brand evangelist, starting in the 1980s at Apple's Macintosh Division and later, magnifying his impact as Apple's chief evangelist in the mid-1990s, just to name a few. Fast forward to today, he's at the helm of Canva, an AI-powered graphic design behemoth that boasts over 170 million users and is generating a staggering $1.7 billion in revenue, No big deal. Canva stands tall on Fast Company's list of the World's Most Innovative Companies of 2023 and graces TIME's Most Influential Companies List for 2023, BIG facts. He also has a dynamic thought provoking podcast called Remarkable people where he dives deep below the surface, REAL deep. Throughout a career spanning four decades, he has left his undeniable mark on giants like Google, Mercedes-Benz, and Wikipedia, AND he's a dynamic speaker and New York Times bestselling author. Whether it's about leading the charge in Silicon Valley, penning the playbook on innovation, or teaching us the art of the start, he's been a guiding light in navigating the complexities of creativity and success. He's just a juggernaut in all facets of life and a terrific husband and father. Please welcome the impressive, highly influential, multifaceted, handsome and abundant, Guy Kawasaki.   5:42 - Aligning Yourself With Something Great  7:45 - Exploring AI and Passion in Work 17:48 - The Power of Growth and Grit 35:44 - The Art of The Interview and Good QuestionsCheck out Guy's Podcast Here: https://guykawasaki.com/remarkable-people/Grab a copy of Guy's latest book here: https://guykawasaki.com/books/think-remarkable/To join our community click here.➤ To connect with Guy Kawasaki follow Guy on Instagram➤ Order a copy of my new book The Reinvention Formula today! ➤ Join our CLS texting community for free daily inspiration and business strategies to elevate your day, text (917) 634-3796To follow The CLS Experience and connect with Craig on Social Media:➤ INSTAGRAM➤ FACEBOOK➤ TIKTOK➤ YOUTUBE➤ WEBSITE➤ LINKEDIN➤ X

Want to unlock a life of true blessing? What if I told you the key might surprise you?  In today's episode, I'm getting real about something that's transformed my life: biblical generosity. I know, talking about money can feel awkward, but I truly believe this message is vital. I want to share with you a conversation I had with my twin sister, Jasmine, that changed my perspective on giving. I'll also dive into what scripture says about generosity and how it's not just about finances, but about a heart surrendered to God. I've seen firsthand how obedience in this area leads to incredible blessings, and I want to share that with you. In this episode, I'm exploring: What the Bible really says about tithing (10% giving) Understanding offerings and generosity that go beyond the tithe The concept of sowing seeds with faith and expectation Sacrificial giving—what it means to give "above and beyond" Why the heart behind your giving matters most How I've experienced blessings through obedience and generosity in my own life I hope this episode encourages you to live generously and to seek those real, deep blessings that come from God. Remember, you're loved, you're valued, and you're doing amazing! Now go make some tacos and be a blessing to someone today!  Have questions or want to share a photo of your tacos, tag me @biancajuarezofficial. Love you, B RESOURCES/LINKS A Test To Change Your Life // How To Be Rich // Tithing // Bianca Juarez https://youtu.be/dcDBukciGH0?si=KVB1X2HnIfZI3koe In the Name of Love Ministries https://www.biancaolthoff.com/about/ Takeaways Living a blessed life involves obeying God. Generosity is a key principle in living a blessed life. Tithing is considered the baseline of generosity. Understanding the concept of sowing and reaping is crucial. Generosity should come from a willing heart. Above and beyond giving demonstrates deep commitment. It's important to give with the right intentions. Scripture encourages us to give generously. The act of giving reflects our relationship with God. Living generously can lead to spiritual and material blessings. ⋇ Convoy of Hope - Empowering Women and Girls Together Donate here https://convoyofhope.org/bianca/  ⋇ Bianca's new book Grit Don't Quit: Developing Resilience And Faith When Giving Up Isn't An Option. https://amzn.to/3MO74OC  ⋇ The Grit Don't Quit Bible Study is now available. https://www.biancaolthoff.com/gdq  ⋇ So grateful to our sponsors! We're Going There is sponsored by HomeChef - For a limited time, HomeChef is offering my listeners 18 Free Meals PLUS Free Dessert for Life and of course, Free Shipping on your first box! Go to HomeChef.com/GOINGTHERE.  Must be an active subscriber to receive free dessert. http://tinyurl.com/WGTHomeChef ⋇ Subscribe to We're Going There on your favorite podcast app so you don't miss out on any of the great topics and conversations. Don't forget to leave a loving review! Apple: https://podcasts.apple.com/us/podcast/were-going-there-with-bianca-juarez-olthoff/id1529509063?uo=4  Spotify: https://open.spotify.com/show/6RpqUTDQWWKDHt1yLQlMKW ⋇ Visit biancaolthoff.com/resources to learn more about books and other resources from Bianca. https://www.biancaolthoff.com/resources  ⋇ Want to stay connected, join the community today. https://www.biancaolthoff.com/  ⋇ WGT email: podcast@inthenameoflove.org ⋇ Music by: Brad Tsushima, Instagram: @bradtsushima, Spotify: “R.A.D.” Learn more about your ad choices. Visit megaphone.fm/adchoices

Meta and Apple were about to go to the woodshed in Europe, but it looks like Trump's tariffs have run interference for them. Everyone wants in on stablecoins, example number 23. Beware of phishing emails from Google.com. And are OpenAI's latest models good, bad, or just “jagged”?Sponsors:QualiaLife.com/ride and code RIDELinks:EU Delayed Punishing Apple, Meta Just Before Trade Talks Started (WSJ)Crypto Knocks on the Door of a Banking World That Shut It Out (WSJ)Phishers abuse Google OAuth to spoof Google in DKIM replay attack (Bleeping Computer)Coinbase in hot water over $12 million ‘content coin'—but exec tells haters to lean in (Fortune Crypto)OpenAI's new reasoning AI models hallucinate more (TechCrunch)On Jagged AGI: o3, Gemini 2.5, and everything after (Ethan Mollick)See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Today's show: Jason and Lon break down the biggest stories in tech and startups this week: OpenAI's new models are powerful but glitchy, Meta's internal docs hint that Zuck knows the Facebook friends graph is toast, and fintech startup TapCheck might actually be doing some good. Plus, robot lifeguards and humanoid races — the wildest videos of the week and what they mean. Then, Alex sits down with Jason Reminick, founder of Thalamus, the platform that helps match medical residents to hospitals (with 85% market share!). They talk about becoming a Public Benefit Corp and how Thalamus is tackling the doctor shortage in the U.S.*Timestamps:(0:00) Jason kicks off the show(1:43) OpenAI's new models and issues with Wikipedia as AI knowledge bases(8:27) FTC antitrust case around Meta; breaking up big tech(11:13) Squarespace - Use offer code TWIST to save 10% off your first purchase of a website or domain at https://www.Squarespace.com/TWIST(13:04) Tapcheck's impact on employee retention and minimum wage variations(19:56) Northwest Registered Agent. Form your entire business identity in just 10 clicks and 10 minutes. Get more privacy, more options, and more done—visit https://www.northwestregisteredagent.com/twist today!(24:31) New company Revel's safety software(27:14) Humanoid robot marathon in Beijing(30:15) Brex. Get the business account trusted by 1 in 3 US startups at ⁠https://brex.com/banking-solutions(35:46) New color discovery “Olo”(40:30) Blue Sky is Falling: Robots, delivery, surveillance, and privacy concerns(55:20) Alex sits down with Jason Reminick of Thalamus(56:01) Thalamus and the medical residency application process(59:42) AI in residency applications and standardizing medical school grades(1:03:30) Thalamus' market share and collaboration with medical associations(1:10:08) Impact of budget cuts on rural hospitals and business model expansion*Subscribe to the TWiST500 newsletter: https://ticker.thisweekinstartups.comCheck out the TWIST500: https://www.twist500.comSubscribe to This Week in Startups on Apple: https://rb.gy/v19fcp*Links from episode:Check out Thalamus: https://www.thalamusgme.com/Check out the Robot Lifeguard: https://oceanalpha.com/product-item/dolphin1/Check out TapCheck: https://www.tapcheck.com/*Follow: Jason ReminickLinkedIn: https://www.linkedin.com/in/jason-reminick-md-mba-ms-bb251645/Thalamus on X: https://x.com/ThalamusGME/status/1757812695787581485*Follow Lon:X: https://x.com/lons*Follow Alex:X: https://x.com/alexLinkedIn: ⁠https://www.linkedin.com/in/alexwilhelm*Follow Jason:X: https://twitter.com/JasonLinkedIn: https://www.linkedin.com/in/jasoncalacanis*Thank you to our partners:(11:13) Squarespace - Use offer code TWIST to save 10% off your first purchase of a website or domain at https://www.Squarespace.com/TWIST(19:56) Northwest Registered Agent. Form your entire business identity in just 10 clicks and 10 minutes. Get more privacy, more options, and more done—visit https://www.northwestregisteredagent.com/twist today!(30:15) Brex. Get the business account trusted by 1 in 3 US startups at ⁠https://brex.com/banking-solutions*Great TWIST interviews: Will Guidara, Eoghan McCabe, Steve Huffman, Brian Chesky, Bob Moesta, Aaron Levie, Sophia Amoruso, Reid Hoffman, Frank Slootman, Billy McFarland*Check out Jason's suite of newsletters: https://substack.com/@calacanis*Follow TWiST:Twitter: https://twitter.com/TWiStartupsYouTube: https://www.youtube.com/thisweekinInstagram: https://www.instagram.com/thisweekinstartupsTikTok: https://www.tiktok.com/@thisweekinstartupsSubstack: https://twistartups.substack.com*Subscribe to the Founder University Podcast: https://www.youtube.com/@founderuniversity1916

In this episode, Scott Becker shares eight key updates impacting markets, including sharp declines in Apple, Nvidia, and Microsoft, private equity's ongoing challenges amid deal slowdowns, and Netflix's rise.

Salon Owner and Reality TV star @gina.doesmyhair shares her experiences and challenges of salon ownership. We discuss the difference between running a salon in a suite vs. storefront environment, as well as the balance of working BTC in your own salon. Gina also shares her unique experience from starring in 'Married at First Sight,' discussing the challenges of navigating relationships under the scrutiny of cameras, the awkwardness of being matched with a stranger, and the impact of editing on public perception.  This Week's Topics: • Building a Clientele through Social Media • Transitioning to Salon Ownership • Challenges of Salon Ownership • Reality Show Experience • Life Behind the Chair: Balancing Ownership and Client Care   Also check out Gina's podcast @dlistdiaries!   Video versions of our episodes are on our YouTube channel for you to watch! Subscribe to our channel The Hair Game on YouTube and check out ‘The Hair Game Podcast' playlist. Our podcast thrives on the opinions of you, the listener... if you have a moment (and you are an Apple user), please leave us a rating & review on the Apple podcasts app or iTunes! Here's what you do: - Scroll down to 'Ratings & Reviews'  - Click on the empty purple stars (5 is the best)!  - Click on ‘Write a Review' and let us know what you love most! Each rating & review helps us reach more and more of your fellow hair loves, and our goal is to help as many hairdressers as we can find success. Thanks in advance! FOLLOW US http://www.instagram.com/thehairgamepodcast http://www.instagram.com/salonrepublic http://www.instagram.com/loveerictaylor 

These are clips highlighting some of the topics discussed in the full episode! Check it out if you want a bite-sized version of the full episode. Salon Owner and Reality TV star @gina.doesmyhair shares her experiences and challenges of salon ownership. We discuss the difference between running a salon in a suite vs. storefront environment, as well as the balance of working BTC in your own salon. Gina also shares her unique experience from starring in 'Married at First Sight,' discussing the challenges of navigating relationships under the scrutiny of cameras, the awkwardness of being matched with a stranger, and the impact of editing on public perception.  This Week's Topics: • Building a Clientele through Social Media • Transitioning to Salon Ownership • Challenges of Salon Ownership • Reality Show Experience • Life Behind the Chair: Balancing Ownership and Client Care   Also check out Gina's podcast @dlistdiaries!   Video versions of our episodes are on our YouTube channel for you to watch! Subscribe to our channel The Hair Game on YouTube and check out ‘The Hair Game Podcast' playlist. Our podcast thrives on the opinions of you, the listener... if you have a moment (and you are an Apple user), please leave us a rating & review on the Apple podcasts app or iTunes! Here's what you do: - Scroll down to 'Ratings & Reviews'  - Click on the empty purple stars (5 is the best)!  - Click on ‘Write a Review' and let us know what you love most! Each rating & review helps us reach more and more of your fellow hair loves, and our goal is to help as many hairdressers as we can find success. Thanks in advance! FOLLOW US http://www.instagram.com/thehairgamepodcast http://www.instagram.com/salonrepublic http://www.instagram.com/loveerictaylor 

Sia Nejad is joined by PropStarz, Matt Sndyer, and Mike McClure to give out their favorite bets for Monday's games! (0:00) Intro + NBA Game 1 Reactions (8:00) PropStarz NBA Prop (10:06) Clippers-Nuggets' Game Predictions (11:35) Snyper's MLB Picks (14:16) NBA Playoffs Comeback Chat Question Discussion (16:12) SportsLine Picks + Ben's Producer Pick (19:05) Mike's NHL Bet (21:07) Chat Questions Pt.1 (24:20) Pistons-Knicks Game 2 Predictions (25:21) Chat Questions Pt. 2 (26:49) Recap Screen #Gambling #Betting #NBA #Sportsbets #MLBBets #MLBPicks #BaseballBets #NBAPlayoffs #NBABets #NBAPredictions #PlayoffPredictions

Justin and Carter react live from Rocket Arena to discuss the Cavs Game 1 win against the Miami Heat! Apple: https://podcasts.apple.com/us/podcast... Spotify: https://open.spotify.com/show/6yN2y73... Please Note: The opinions expressed by The Chase Down podcast are solely their own and do not reflect the opinions of the Cleveland Cavaliers or its Basketball Operations staff, parent company, or partners.See omnystudio.com/listener for privacy information.

Unlock the Wealth-Building Secrets of Real Estate Investing! Learn how strategic real estate investing can dramatically transform your financial future. Discover the Revolutionary "5 Ways You Get Paid" Strategy, updated for today's times: Appreciation: Turn a 5% property value increase into a potential 20% return Cash Flow: Generate steady monthly income from tenants Return on Amortization (ROA): Let tenants build your equity for you Tax Benefits: Enjoy generous government incentives for providing housing Inflation-Profiting: Transform economic challenges into your personal wealth generator  Key Highlights: Potential 38% first-year return on investment No special certification or license required Ethical wealth-building using other people's money Proven strategy for creating generational wealth Simple, accessible investment approach for ordinary people Your wealth-building journey starts today! Share the wealth by sharing this episode with a friend. Free Resources: Connect with a free GRE investment coach at GREinvestmentcoach.com Download the infographic gift summarizing the five ways real estate pays here. Show Notes: GetRichEducation.com/550 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching:GREmarketplace.com/Coach Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Automatically Transcribed With Otter.ai    Keith Weinhold  0:01   Welcome to GRE. I'm your host. Keith Weinhold, real estate pays five ways updated for today's times, even with conservative assumptions, watch your total return from real estate climb to great heights today. You'll understand what billionaire real estate investors don't understand a new free audio course today on get rich education.    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, guess who keep top selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast or visit get rich education.com   Speaker 1  1:12   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:28   Welcome to GRE from Belgrade, Serbia to Bellingham, Washington and across 180 nations worldwide. I'm Keith weinholder. You are back inside get rich education. Today you're going to understand real estate investing really well, probably better than anyone that you know, in less than an hour. Now, before I begin investing in real estate, I seriously wondered how in the world it could possibly be a lucrative investment vehicle. I mean, like, how would that even work? Because you've got this physical structure where elements wear down the outside, tenants wear down the inside, and the whole thing only appreciates it about 5% a year. Yawn. That is really boring. Well, later I would start to put the pieces together. And actually didn't really understand leverage in cash flow until after I had bought my first rental property, I became the person, however, to coin the real estate pays five ways concept, and I discussed that years ago on the show here, and now I have updated it for today's times. So the principles remain the same, but the numbers are different. That's because today, cash flows are lower and interest rates are higher than they were five and 10 years ago. So let's see what total rate of return we come up with today, and just how we get there. And on the way, you'll see even more evidence of why compound interest does not build wealth, and getting your money to work for you doesn't build wealth either. And to say that is total heresy. In a lot of financial circles, you'll clearly see how real estate has really made more ordinary people wealthy than anything else. This is course level instruction, and you're getting it all free right here today as part of one of our weekly episodes. This will help you retire earlier than you ever imagined, or just find the time for yourself to become the best version of yourself. Now, for long time, listeners, I've got to tell you first, much of today is going to sound like a review, but I've got a really surprising twist at the end here, in the fifth of five ways that you're paid, I also have a free gift to give to you and to all listeners today. And this is not in any way, replay of old material. It's not AI generated. It never is. It is me talking to you updated for today's times. And this is we're about to get started. This is just with simple buy in hold real estate. So you don't even have to be a house flipper or a wholesaler or a landlord, and you can just use normal 30 year mortgage loans. And as we see, it doesn't even take a ton of money. These are fundamental wealth building attributes that lay people don't understand and will change your life. I mean, more than 95% of real estate investors don't even understand what I'm about to share. We're going to calculate your rate of return from each of the five ways we'll calculate, then your cumulative return on investment until it builds up and culminates. In your total return at the end today, and I'll tell you anything less than a 20 to 25% total return in this buy and hold real estate is actually disappointing, and you don't even need to take on inordinate risk. But you'll see the exact percentage that we get up to today, and how it gets even higher than 20 to 25% I mean, this is how real estate creates Young Money and old money and Fast Money and slow money, and gives you access to other people's money. Ethically, all of that, we have some new listeners dropping by today. So if you're new here, I'm Keith Weinhold, get rich education founder, Forbes real estate council member, best selling author, and long time real estate investor, also an incomprehensibly slack jawed and snaggletooth to podcaster. But see here in the audio only, you only have to hear the slack jaw, but video platforms where you'll find me and this course on YouTube and rumble, oh, through a disaster, because you both hear my slack jaw and have to see my snaggletooth. It's dreadful.    Getting back to the course here, you know, school did little to teach you and I about the most important things in life, like nutrition or relationships or money. And you know what drives most divorces? Can you guess what it is? I mean, it's not arguments over trigonometri or English grammar or the periodic table of the elements. No, it's money problems. Well, the financial education in this course, it's gonna help you solve that as much as anything you need to take on the mindset of how you must unlearn what you've learned before you can believe something else.    We're gonna use this same simple example of a $200,000 income property throughout the course a rental, single family home. Yes, you can still find many of these, and it's with a rent paying tenant. Now, if you want to think bigger than a 200k property, no problem. Say you want a $20 million apartment building, you can just multiply everything by 100 because we're talking about ratios today. Say that when you buy this property, your down payment and closing costs have you putting in 25% All right? So you've now got 50k invested on this 200k property.    Well, in the first of five ways you're paid appreciation is what it's called. Well, historically, real estate appreciates at about 5% per year. All right, see your 200k Income Property appreciates to 210k There's your 5% yawn, boring. That might only be about the real rate of inflation. That's what most people think. But look at what you just did there already. You just did something amazing. You already benefited from a force greater than compound interest. You just created compound leverage, and most people don't even know it, because your return is far greater than the 5% total appreciation your return on investment is your gain, which is 10k divided by the amount that you have invested, which is 50k because that's all that you put into this. You just got a 20% return from only the first of five ways you're paid appreciation. And now, if you're scratching your head wondering how that just happened, how did 5% return go to 20% no worries, I will slow it down. And this course never gets more complicated than this, you achieved a 5% return on both your 50k invested and the 150k that you borrowed from the bank. See the return on the bank's money doesn't go to the bank, it goes to you all while the tenant pays the interest on the mortgage loan. We'll get to that part later for you, this could be your first moment of epiphany in this course, a light bulb moment. Yes, today you'll get more light bulb moments than Thomas Edison. That is the magic of leverage. It's so simple ethically use other people's money, but most people are only getting compound interest, a return on their money, only not theirs and others like they could have great so where does appreciation come from? What is its source? Supply versus demand for real estate an area's wage growth, population growth, a region's infrastructure improvements contribute to this. The shrinking availability of developable. Land and more. Now what if real estate prices go down? You're covered. That will be addressed shortly. Here we are just scratching the surface. You're starting to figure out why wealthy people's money either starts out in real estate or ends up in real estate. And the thing is, is you can do this the same simple way that I did when I began as a real estate investor. You don't need any degree or certification or real estate license in order to do this. Real Estate pays five ways.    Now that you know about the first appreciation, leveraged appreciation in real estate's case will carry forward your 20% gain and add it onto the second of five ways you're paid, cash flow. For many, this is the most important one. One way for you to think about this second way cash flow is that it's the recurring income from your tenant that shows up, whether you had any involvement with the property that month or not. That's why this is passive income most months. This one is the most liquid of the five ways, because it pays you cash every month, and therefore you can immediately either reinvest it or just spend it and increase your standard of living. This is effectively your salary increase plan. Yes, it's the opposite of a 401 k, which is a salary reduction plan, which actually was an early name of 401 K plans, since this income is sourced by your tenant rent payment, minus the property expenses. Your Cash Flow is sourced by jobs, because that's how your tenant gets their rent payment that they pay you, and this is why I like larger metro areas, your market selection is more important than your property. That's a huge lesson right there, because it's about the durability of this cash flow. All right, we're about to run the numbers and see what your rate of return from passive cash flow is. Let's do it. We'll build on our example of your ownership of a 200k income property with your 50k down payment. All right, on the 200k rental single family home, say that your rent is $1,500 a month. That is therefore $18,000 of annual rent income. But then you need to deduct out your expenses, and you do have a lot of them. They are your mortgage and your operating expenses, like I've shared with you before. The easy way to remember those operating expenses is with the acronym VIMTUM, vacancy, insurance, maintenance, taxes, utilities and management, and paying that manager is what keeps this mostly passive for you. So to be clear, your rent income minus your mortgage in VIMTUM operating expenses equals your cash flow. You can kind of think of that as your rent overflow. Okay, here we go. Say you figure that from your 18k of annual rent income that you need to pay out 15k worth of annual expenses, that leaves you with $3,000 of cash flow, or so you thought, but you have a freak plumbing problem that creates a bill of 1000 bucks. However, you have property insurance, but say your insurance deductible is $1,000 so you've just got to come and pay out of pocket for your managers, plumber to fix it, and now the $3,000 of annual cash flow you thought you'd have only leaves you with $2,000 somewhat of a thin cash flow. Then that's a higher maintenance expense than you had previously forecast in your pretty looking pro forma projection. That often goes wrong, because something stupid often happens out of the blue in real estate investing, all right, well, with your $2,000 of cash flow, which is passive income, that's divided by your same 50k invested that gives you a return of 4% from the second of five ways you're paid. That number is what's known is the cash on cash return. You thought it would be 6% but we're being conservative. The Freak plumbing problem made it just 4% add this to the 20% from leverage depreciation in the first video, and you now have an accumulated 24% total rate of return from this income property already, and we still got three ways to go. We're just gonna keep piling onto this return in the next three ways you're paid. How high is this going to go? And you know what's interesting with this? Luke. Conservative math adding up your lofty return. It's actually conservative as we proceed, you'll note that I'm using simplification and rounding you're going to see me round down more than round up. To keep this conservative and real estate math is simple. It's just add, subtract, multiply or divide. There's nothing complex, no trigonometri or calculus or exponents. This is easy. You just have to know what numbers to use, and that's what you're learning and reinforcing today.    Now here's a weird scenario. Imagine if you had a stranger out there funding a bank account for you, making monthly contributions into this illiquid savings account. I mean, does that sound too good to be true? Nope. It exists. The third of five ways that real estate pays is exactly why this is real, as this free audio course, real estate pays five ways continues for you. Real estate has so many ROIs returns on investment that one of the five is called an Roa. That's the third way you're paid. And none of this material is new or esoteric or avant garde. It's always been out there. There's just been no one else that's put it together before this, most people were never taught how to build real estate wealth in the real world. And what's insane about this third of five ways you're paid is that now you're probably already getting paid more ways than you ever have. I mean, instead, what is most people's investing experience, it's in stocks, bonds, mutual funds, ETFs, gold or Bitcoin. I mean, that's where you're typically only paid one way, capital appreciation, if you even get that, and maybe a second way is if you have a dividend paying stock. But I mean, that's all you've got. One way, maybe two. If you want to build wealth, you've got to give your money multiple jobs. That's exactly what we're doing here. ROA stands for your return on amortization this third way you're paid is the monthly principal pay down portion of your mortgage. That's your return. So we're going to add your ROA to the 24% total return that we've accumulated so far. And now you might think you already have experience with an ROA if you have a mortgage on your own home, your primary residence, but no, not actually, because in your own home each month, a portion of your mortgage payment goes toward principal pay down and the rest of pay interest, but all you did in your primary residence is you went and you had to work to earn money all month. All you did at the end of that month was move that money from your cash pocket over to your equity pocket when that mortgage payment gets made. So that's merely a transfer of funds, but with income property, your tenant earned that cash that month to pay your mortgage principal payment, and we'll tally that up in a moment. On top of the principal, they pay your entire interest payment, plus your tenant pays you a little on top of that each month called cash flow, which was the second way you're paid. So yes, your tenant is going to work for you. If your tenants rent payment is a third of their income, they're working close to 10 days a month just for you, just to pay your rent. I mean, that is amazing. If you add properties with rent paying tenants like this. It's sort of like you have all these employees out there working for you, and yet you don't have to manage them at work. It is amazing this third of five ways focuses on that return on amortization, and the etymology of the word amortize that comes from the old French meaning death. And that makes sense, your tenant is slowly killing off your mortgage balance for you over time. So let's do this. Let's add up your ROA, all right, we're using this same example where you got a 150k loan on your 200k rental, single family home. Let's say that you got a 7% interest rate on a 30 year fixed rate mortgage, so just the plain everyday loan. Just look up any amortization calculator, enter those numbers in there, and you'll see that in year one, your tenant pays down over $1,500 of your income properties mortgage balance for you, let's round it down to just 1500 bucks, because it could have been some vacancy in there as well. Your ROA is simply this year, one principal pay down divided by your amount invested again, that is 1500 bucks divided by your 50k Of down payment and closing costs that you have in the property your skin in the game. And this is another 3% return for you. That's your Roa. I mean, you are beginning to really build wealth now. This is somewhat of a hidden wealth generator that a lot of investors never consider. Many of them are aware of this, though, it's like your tenant is funding an ill, liquid savings account that has your name on it. We'll add this 3% ROA to the tally of a 24% cumulative return that we figured from the first two ways. Yes, you are now up to a 27% total rate of return from appreciation, cash flow, your ROA, and we still have two of the five ways to discuss. We're just gonna keep piling onto your return. What is the source of your Roa? This 3% it is jobs again, your tenants income. If interest rates fall and you refinance, you'll get an even higher annual chunk of tenant made principal pay down, even with the initial loan kept in place this 7% mortgage note, how in future years, your amount of 10 it made principal pay down. Only keeps increasing over time. But we're only talking about year one in this whole example. We're going to carry forward your 27% total rate of return so far into the next one as this real estate pays five ways. Audio course will continue here in Episode 550 of the get rich education podcast, yeah, even the episode number has some fives in it as we roll on, breaking down just how the five ways build wealth more after the break, I'm your host, Keith Weinhold, this is get rich education.   You know what's crazy? Your bank is getting rich off of you. The average savings account pays less than 1% it's like laughable. Meanwhile, if your money isn't making at least 4% you're losing to inflation. That's why I started putting my own money into the FFI liquidity fund. It's super simple. Your cash can pull in up to 8% returns, and it compounds. It's not some high risk gamble like digital or AI stock trading. It's pretty low risk because they've got a 10 plus year track record of paying investors on time, in full every time. I mean, I wouldn't be talking about it if I wasn't invested myself. You can invest as little as 25k and you keep earning until you decide you want your money back. No weird lockups or anything like that. So if you're like me and tired of your liquid funds just sitting there doing nothing, check it out. Text family to 66866, to learn about freedom family investments, liquidity fund again. Text family to 66866. Hey, you can get your mortgage loans at the same place where I get mine, at Ridge lending group and MLS, 42056, they provided our listeners with more loans than any provider in the entire nation because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. You can start your pre qualification and chat with President Chaley Ridge personally. Start Now while it's on your mind at Ridge lendinggroup.com That's ridgelendinggroup.com.   Speaker 2  23:45   This is Ridge lending group's president, Caeli Ridge listen to get rich education with Keith Weinhold, and remember, don't quit your Daydream.   Keith Weinhold  24:10   Welcome back to get rich Education. I'm your host. Keith Weinhold, as we continue with the real estate pays five ways audio course, before the break, we're rolling forward a 27% total ROI from the first three ways that you're simultaneously paid. Again, nothing complicated, just with a piece of buy and hold real estate that you purchase carefully. You don't have to do any renovations. You don't have to be a landlord. This is how you're going to build forever wealth, legacy wealth, if you don't come from money now, money can come from you. This can shake up your entire family tree. After today, you'll have a concrete plan. I don't come from wealth. I build it myself, and I'm laying out the architecture of how I did. Just that in a simple way for you, the fourth of five ways you're paid is that real estate investors are rewarded with a generous basket of tax benefits from the government because you are doing what the government wants. You're providing others with housing. Informed people know that if you spend money on certain things like solar panels for your home or education expenses, you get a tax break for spending that money. Well, with real estate, you don't even need to spend any money to get a tax break every single year. Incredibly, you get the tax deduction anyway. It's easy. Let's do it here. And you know, it's time to make something crystallized for you. And this can rock your world and even induce some disbelief. Some people say, don't get your money. Get your money to work for you. We've all heard that. Here is the heterodox. Here is the paradigm shift. If you want to build wealth, don't get your money to work for you. Outside of this show, I bet you have never heard that iconoclastic stance your best and highest use as an investor is not to get your money to work for you. It's making other people's money work for you. OPM, now, you probably heard that before as well, but I've got a twist on that. But see if you want to build wealth, do you think you'd have to both think and act differently than the masses? I mean, yes, you certainly do, but this is your differentiator, even multi decade billionaire real estate investors don't realize what I'm about to share with you forever. Wealth is built. Early Retirement, wealth is built. Your standard of living is indelibly elevated beyond what you ever thought possible because you are ethically using other people's money three ways at the same time, the bank's money for leverage in the loan, which we covered in the first way, you're paid the tenants money for cash flow and loan pay down, which we covered in videos two and three. And now here you are using the government's money for generous tax benefits at scale, which we're covering in this fourth of five ways you're using other people's money, three ways at the same time within this, this is why you're building wealth. And of course, this does not mean you're exploiting people by using their money, just the opposite. You're doing good in the world. Provide people with housing that's clean, safe, affordable and functional. Do that, and you'll be profitable in the long term and never get called a slum lord. Rental property income is generally taxed at ordinary income tax rates, but you don't have to pay tax on all of your rental income. The tax deductions are generous from rental property, you can deduct out your mortgage interest and your operating expenses, which I will not cover in our example. You also get a depreciation deduction. We'll look at that one closely, and when you sell, you can endlessly defer your capital gains tax so you never have to pay it all of your life, all right. Well, what does this really mean? If you buy a rental property for 200k and after a bunch of years you sell it for 500k your capital gain was 300k in most investments, you need to pay capital gains tax of at least 15% on this you would take a $45,000 tax hit. But with real estate, when you sell if you generally replace it with a property of equal or greater value, your capital gains tax is zero, absolutely zero. Now, rental property taxes are somewhat complicated, and I am not a CPA, I'm giving general guidance. I'm not going to get into things like your adjusted basis and other details. In fact, I'm not even going to consider this benefit of deferred capital gains tax in tallying up your rate of return. So instead, let's only look at your return from the tax depreciation portion of your full basket of tax benefits. It's going to keep things simple, and it'll also keep our example more conservative. Yes, even though your 200k rental property in our example tends to appreciate in value, the government says you can get a tax break because they say that the property wears out over 27 and a half years. That's just what the IRS guideline is. This only applies to rental property. There's no depreciation deduction on a primary residence. Let's do it on your 200k property, you can only depreciate the structures value called the improvement, not the land portion. We'll say that your structure or house's value is 150k and the land is 50k even the IRS knows that land doesn't wear out, only the structure. Divide your 150k structure value by 27.5 Yep. Pretty weird, arbitrary number, but that's how long the IRS says it takes to wear out. That gives you $5,454 that's how much you can depreciate or shelter from taxes if you're in the 24% tax bracket, that's $1,309 in tax savings for you. Divide that by how much you have invested in this 200k property. Again, that was 50k when you made the down payment and closing costs. This is a 2.6% return. Let's keep being conservative and round that down to 2% there it is our number from the fourth of five ways you're paid. We are layering on another 2% return. Now, can you really call a tax break part of your return? Is that fair? Should that be considered? Yes, it is, in this case of tax depreciation, because you did not even have to incur an expense in order to get that deduction, that's why some people call it the magic of depreciation. Usually, to get a tax break, like I was saying earlier, you have to make an out of pocket expense, like pay for fees to attend a conference or buy solar panels or pay automobile expenses. But you don't have to do that here, so the 2% rate of return for your tax benefit is even more conservative when you realize that we also are not digging into how this piece of real estate can also make you eligible for other tax benefits like a qualified business income deduction, a cost segregation and bonus depreciation. And for simplicity, we're not going to go run examples on different marginal tax brackets, and there are income thresholds and other thresholds, whether you're married or single. And of course, we are excluding that erstwhile capital gains tax that you can legally duck out of to collect all the tax benefits without me having to get deeply involved. At the end of each year, my property manager just sends my property's financials directly to my bookkeeper. And yes, I know we've got some CPAs listening to this right now thinking that 2% that is much too low of a return from your basket of tax benefits, but that is all we're going to use. We're going to add this to the ROIs that we accumulated from leverage appreciation at 20% in the first way, cash flow at 4% in the second way, and an ROA of 3% in the third way, plus this 2% from tax benefits here in the fourth way, here we are up to a 29% first year total ROI from your 200k single family income property that you so wisely purchased. Now you know how to use other people's money three ways at the same time again, the banks, the tenants, and with these tax breaks the governments.    Let's move on to the fifth of five ways. Add up your total rate of return, and then I'll give you some more important takeaways to give this context, and I'm going to give you your free gift. Your fifth way is your second biggest profit center, and most real estate investors don't even know that it exists, you're going to profit from something that actually makes most people poorer. So we're going to take our 29% add the fifth way to it, and it's going to culminate in your total number. The fifth way is called inflation profiting. Remember, it's not inflation hedging. Real Estate bought the right way is not an inflation hedge. Hedging is defensive, meaning that you break even from inflation, but no instead, you're actually profiting from inflation. That's different. This is offensive. Now a conventional financial advisor. You know, they're often out there selling investment products that tout something like a 10% rate of return. You know, synonymous with a return from the s, p5, 100. Ask your financial advisor about the five drags on that return. It's 10% minus inflation, emotion, taxes, fees and volatility, and your adjusted return is often less than zero. Just look at their track record. Stocks and mutual funds don't make anyone wealthy. They might just preserve wealth if you already have it strategically bought. Real estate has hegemony over all the other. Set classes precisely because it pays five ways. Either you can be a conformer or you can build wealth. If you want to escape financial mediocrity, you can't run with the herd. You need to get into a lot of good debt. It sounds scary until you realize that debt is tied to a carefully selected income property, meaning your entire debt payments are therefore reliably outsourced to tenants. DEBT, TAXES and inflation are three forces that make most people poorer. It makes most people poorer because they either don't have the resources, or they don't have the know how to arrange their financial life. They don't have any strategy. Well, today, you're learning how to make these three forces, DEBT, TAXES, inflation, those three wealthier with the Debase purchasing power of the dollar. You know most people, they see the price of a new car that goes from 50k to 60k or that their favorite Subway sandwich goes from nine bucks to 10 bucks, and then they just kind of hope that their salary keeps up. You know, that's sort of the average experience with inflation. Now, you and I, we would not save by stashing a million bucks under the mattress, because 3% inflation would de base its purchasing power by 30k every single year. That's why we do the opposite of saving. We borrow. For every million you borrow, we'll every year say that with inflation, your wage, salary, rent, income, all go higher by 3% now it gets easier to pay back your million dollar loan all while the tenant pays the interest, and you're profiting 30k each year. So after one year, you only owe the bank back 970k and inflation adjusted dollars and 940k after year two, and 910k after year three, inflation debases savings and debt at the same rate, so borrow instead of Save and see, this is the reason why the top selling financial author of all time, Robert Kiyosaki, a frequent guest on our show here, he says, savers are losers, debtors are winners. In an inflationary world, don't be a saver. Be a savvy debtor, because in the future, you can count on more inflation. See, the government needs inflation to occur. The easiest way for the US to repay its 10s of trillions of dollars in debt is to just keep printing lots of dollars, and that process debases every dollar that you're currently holding on to. Who cares about your debt when both tenants and inflation are just relentlessly paying it down for you? That is if you're doing real estate right, which means buying an income producing property with a loan. That's the whole formula here. That's all we're doing, buying a rental property with a loan. But when you understand how inflation both pumps up your real estate value and simultaneously debases your debt, it turns your world upside down, you almost become this inflation cheerleader, because inflation is now good for you, as this audio course is now covering the fifth of five ways you're paid. Please understand some risk still exists. You could buy in the wrong market, hire the wrong property manager, or just buy the wrong property no matter what, you're going to have some inevitable problems along the way, like that plumbing problem I mentioned earlier in the second of five ways you're paid over leverage is a risk over leverage means that you take on so much debt that you can't make the monthly payments so you can still lose money. But from listening today, you vastly increase your chances of being profitable, and that's why we say that carefully bought real estate has the best risk adjusted return. Here we go, following through with our example across all five ways on your 200k income property that you made a 50k down payment on, that is therefore a $150,000 loan that you took out at a 3% inflation rate each year, your debt is then being debased by $4,500 this is a quiet, hidden wealth generator that most investors don't even know about. $4,500 of inflation profiting divided by your same 50k down payment means that you have another 9% rate of return. Wow, a 9% rate of return that you're getting that most investors don't even know about. I mean, in the conventional financial world, I mean, they're proud to offer you a nine. Percent mutual fund return over time, and they advertise that as something good here by putting a down payment on a rental property. This 9% is another sweetener that no one even notices, and that gets added on to everything else. It's just incredible. Yes, 9% now, in the past, I used to think this return was just the inflation rate that we're using here, 3% but see, this is leveraged as well a 9% return from inflation profiting. And like I mentioned, uh, towards the beginning of the show, this is the twist for a long time get rich education. Podcast listener, see 3% that would merely be a hedge. So add this 9% to the 29% running total in the first four ways, and there you have it, an astounding 38% total rate of return from the five ways that real estate pays 38% I mean, you are really understanding why wealthy people's money either starts out or ends up in real estate, and that you don't have to be wealthy to start everything we discussed there was in year one. I mean, if someone asks you why you're investing in real estate, you can just hold up five fingers and share this episode with them. I mean, this says it all, and we could have surely come up with a higher number than 38% if you had used a 20% down payment instead of 25 then you'd have more leverage, and your total ROI would be in the mid 40s percent, and we really handled the tax portion conservatively. Here another reason your return could be higher, this was with a 7% mortgage rate and a pretty modest 4% cash on cash return as well. Yes, your total ROI is 38% now after year one returns fall over time due to the accumulation of equity in your property, so the denominator for the calculation is larger. You got 38% in year one, perhaps year two is 31% and year three is 24% but you can really see how you're getting ahead of the world in three years like that in other episodes of the show. Here, I do talk about how to limit the return attrition through refinancing and some other techniques, but these are amazing rates of return, compounding evidence that compound leverage blows away compound interest, and again, it's DEBT, TAXES and inflation that are making you wealthy. How you should know by now the formula is really simple. Just buy an income producing property with an everyday 30 year loan, even if real estate values fall, you can get paid for other ways and still have a positive return. Real estate values have always bounced back even after 2008 and see if the property is temporarily suppressed in value, you're going to have little concern with wanting to sell it when tenants are still paying you a monthly income during that time. Very few veteran real estate investors understand the five ways. Most real estate educators don't understand this either, but now you do, and to get this 38% total ROI again at times I simplified throughout I mean, your real world return is likely going to be different. It's going to be higher or lower than 38% probably. But now you know about a vehicle for actually creating durable wealth, and I would like to think that what you learned today is the most complete yet still concise way of understanding how a real estate investor gets paid. You gotta know this. This is the motivation for wanting to do this in the first place.    And hey, if you like what I've shared so far, I'd love to ask you for something, and then I have more important things to tell you and give you your free gift. As I made this course free. Hey, if you would please just share the wealth. Share this episode with a friend. I'm sure you know somebody that would benefit from this. It's really a big aha moment when you finally know how it all goes together. If you subscribe to our newsletter, you were already sent the video version of this course here in just the past couple weeks that's going to help you see how all the numbers go together. And the video course was also released free on YouTube, so if you're listening to this within a few weeks or months of the episodes release, it's still easy to find on our get rich education YouTube channel and four. Finally, in order to make this actionable and actually profit from what you learned, you can just copy me and buy properties from where I buy them at GRE marketplace, that's where there are properties conducive to the five ways you're paid. It probably does take about a minimum, oh, of a 35k to 55k down payment in order to get started. Properties are either new build or renovated. Tenants are in place. There's a property management solution, if you like, and optionally, our free investment coaching service there learns your goals, then helps match you with the right areas and properties and hey, I'm happy to tell you and announce that you can now connect directly with our completely free investment coaching service at GREinvestment coach.com, yes, this is a new URL to make it easier for you to connect with a GRE investment coach. Yeah, I kind of thought that was a good one, huh? How do you connect with a free GRE investment coach? Well, at GREinvestment coach.com I've got a free gift for you. Everything that we discussed in this course today was distilled down into one colorful infographic that we designed and laid out here so you can view it, download it, or even print it out on one eight and a half by 11 inch sheet of paper. Yeah, my team and I went back and forth on this infographic for quite a few rounds to make it just right. I like how it looks, and I've never known anyone else to do this all the ways real estate pays concisely onto one sheet of paper. The link for that infographic gift is in the show notes for this episode at get rich education.com/ 550 since this is episode 550 get it at getrice education.com/ 550 Yeah, the infographic gift is a memento of this course and the time that we spent together today. Think of it as your diploma, and it's a diploma that doesn't come with 12 years of student loan payments either. Yes, it is just a piece of paper, but is it worth more than the piece of paper known as your bachelor's degree or your MBA? I don't know. You can be the judge. So congrats, graduate. Now you know how real estate makes ordinary people wealthy, but learning this today really doesn't benefit you if you don't find the right property in the right market with a property manager. If you so choose a property manager, you've got to take action. You usually want to start small, including with investor advantage, single family rentals for as little as 200k just like our example, some cost even less. We will help you do just that, and do it for free with our coaching book a time and get it on the calendar at GREinvestmentcoach.com that's GREinvestmentcoach.com    I'm get rich education's Keith Weinhold, thanks for being here, but you weren't here for me. You were here for you. I'll see you next week. Don't quit your daydream.   Speaker 3  48:25   nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC exclusively.   Keith Weinhold  48:49   You know, whenever you want the best written real estate and finance info, oh, geez, today's experience limits your free articles access, and it's got paywalls and pop ups and push notifications and cookies disclaimers, it's not so great. So then it's vital to place nice, clean, free content into your hands that adds no hype value to your life. That's why this is the golden age of quality newsletters, and I write every word of ours, my self, it's got a dash of humor, and it's to the point, because even the word abbreviation is too long, my letter usually takes less than three minutes to read, and when you start the letter, you also get my one hour fast real estate video. Course, it's all completely free. It's called the Don't quit your Daydream. Letter, it wires your mind for wealth, and it couldn't be easier for you to get it right now. Just text GRE to 66866, while it's on your mind, take a moment to do it right now. Text GRE to 66866.   The preceding program was brought to you by your home for wealth, building, get rich, education.com.  

Chase Thomas is the Sports Renaissance Man, Atlanta Sports Guy & VFL. On today's program, Chase is joined by fellow University of North Georgia alumni Matt Green to talk Tennessee football fan expectations for Josh Heupel and the Vols in 2025, Georgia adding three key pieces out of the transfer portal this spring, and then reveal the college football games they are most looking forward to for Week 1-5 this upcoming season.Host: Chase ThomasGuest: Matt GreenTo learn more about CT and the pod please go visit: https://chasethomaspodcast.comBy the way, this is a free, independent national sports podcast. To keep it that way, I'm going to need some help from you guys. If you're a fan of the pod and you haven't already, take a second right now and leave the show a 5-star rating and a review on Apple, Spotify or wherever you get your podcasts. It really does help, and it's so quick and easy to do. Thanks, y'all!Keep up with Chase on social media:Follow me on Twitter: https://twitter.com/PodChaseThomasFollow me on Instagram: https://bit.ly/3kFHPDnFollow me on TikTok: https://bit.ly/3JdZ3RF'Like' me on Facebook: https://bit.ly/3ZmURo4 Hosted on Acast. See acast.com/privacy for more information.

Illini Inquirer's Jeremy Werner chats about Josh McCray transferring to Georgia, four-star DB Victor Singleton flipping his commitment from Illinois to Texas A&M and a big week for the Illini football roster ahead. Then Mike LaTulip joins him to talk about the Illini basketball offseason so far, including Kylan Boswell, Tomislav Ivisic and Ty Rodgers returning; Zvonimir Ivisic and David Mirkovic joining; and the possibility of Ben Humrichous returning. LaTulip then breaks down the potential fit of Cal transfer wing Andrej Stojakovic and Arizona State transfer guard Adam Miller. Follow the Illini Inquirer Podcast on: Apple: https://apple.co/3oMt0NP Spotify: https://spoti.fi/2Xan2L8  Other: https://bit.ly/36gn7Ct   Go VIP for 30% OFF: https://tinyurl.com/ymnzkebb  To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

#809 | Defeat to Wolves at home - a 15th Premier League loss of the season. Pre-season vibes. Six starting players 22 or under. There wasn't the intensity or passion of United's victory over Lyon in midweek, nor could we expect there to be. Ruben Amorim rested most of his key players with all eyes on that May 1st game against Athletic Bilbao. Ed and Tom review a match that was dominated by context.

We break down the ideal landing spots for top QB and RB prospects ahead of the 2024 NFL Draft. We explore how Cam Ward to the Titans could spark a new-look offense in Tennessee, while Jalen Milroe to the Steelers brings big-play upside to Pittsburgh, and Ashton Jeanty landing with the Raiders. We also dive into several other potential fits that could shake up dynasty and redraft boards. Whether you're scouting for your rookie draft or looking for offseason insight, this episode is packed with takes you won't want to miss. Watch FFT on YouTube https://www.youtube.com/fantasyfootballtoday SUBSCRIBE to FFT Express on Apple: https://podcasts.apple.com/us/podcast/fantasy-football-today-express/id1528634304 Follow FFT Express on Spotify: https://open.spotify.com/show/6qyGWfETSBFaciPrtvoWCC?si=6529cbee20634da8. SUBSCRIBE to FFT Dynasty on Apple: https://podcasts.apple.com/us/podcast/fantasy-football-today-dynasty/id1696679179 FOLLOW FFT Dynasty on Spotify: https://open.spotify.com/show/2aHlmMJw1m8FareKybdNfG?si=8487e2f9611b4438&nd=1 SUBSCRIBE to FFT DFS on Apple: https://podcasts.apple.com/us/podcast/fantasy-football-today-dfs/id1579415837 FOLLOW FFT DFS on Spotify: https://open.spotify.com/show/5zU7pBvGK3KPhfb69Q1hNr?si=1c5030a3b1a64be2 Follow our FFT team on Twitter: @FFToday, @AdamAizer, @JameyEisenberg, @daverichard, @heathcummingssr Follow the brand new FFT TikTok account: https://www.tiktok.com/@fftoday Join our Facebook group https://www.facebook.com/groups/FantasyFootballToday/ Sign up for the FFT newsletter https://www.cbssports.com/newsletter You can listen to Fantasy Football Today on your smart speakers! Simply say "Alexa, play the latest episode of the Fantasy Football Today podcast" or "Hey Google, play the latest episode of the Fantasy Football Today podcast." Visit the betting arena on CBSSports.com for all the latest sportsbook reviews and sportsbook promos. To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices