Podcasts about Arm

Alexandru Voica, Head of Corporate Affairs and Policy at Synthesia, discusses how the world's largest enterprise AI video platform has approached trust and safety from day one. He explains Synthesia's "three C's" framework—consent, control, and collaboration: never creating digital replicas without explicit permission, moderating every video before rendering, and engaging with policymakers to shape practical regulation. Voica acknowledges these safeguards have cost some business, but argues that for enterprise sales, trust is competitively essential. The company's content moderation has evolved from simple keyword detection to sophisticated LLM-based analysis, recently withstanding a rigorous public red team test organized by NIST and Humane Intelligence. Voica criticizes the EU AI Act's approach of regulating how AI systems are built rather than focusing on harmful outcomes, noting that smaller models can now match frontier capabilities while evading compute-threshold regulations. He points to the UK's outcome-focused approach—like criminalizing non-consensual deepfake pornography—as more effective. On adoption, Voica argues that AI companies should submit to rigorous third-party audits using ISO standards rather than publishing philosophical position papers—the thesis of his essay "Audits, Not Essays." The conversation closes personally: growing up in 1990s Romania with rare access to English tutoring, Voica sees AI-powered personalized education as a transformative opportunity to democratize learning. Alexandru Voica is the Head of Corporate Affairs and Policy at Synthesia, the UK's largest generative AI company and the world's leading AI video platform. He has worked in the technology industry for over 15 years, holding public affairs and engineering roles at Meta, NetEase, Ocado, and Arm. Voica holds an MSc in Computer Science from the Sant'Anna School of Advanced Studies and serves as an advisor to MBZUAI, the world's first AI university. Transcript Audits, Not Essays: How to Win Trust for Enterprise AI (Transformer) Synthesia's Content Moderation Systems Withstand Rigorous NIST, Humane Intelligence Red Team Test (Synthesia) Computerspeak Newsletter

We were inundated with new Windows features in 2025, but which ones actually moved the needle? Fortnite isn't just back on iPhone and Android, it's available on Windows 11 on Arm, and it works great! Plus, 2 big mobile wins for Epic Games and some thoughts on the "right" way to roll out AI features.Windows 11 Best Windows 11 updates of 2025, in no particular order... Dark mode improvements to File Explorer Widgets major overhaul with separate widgets and Discovery feed Xbox Full Screen experience - especially good on handhelds, of course, but also any PC you use for gaming with a controller Click to Do (Copilot+ PC only) External fingerprint reader support for Windows Hello ESS -External/USB webcams supported by Windows Studio Effects (Copilot+ PC only) Quick Machine Recovery is the tip of a wave of new foundational features like Admin Protection, Smart App Control (updates), and more that go beyond surface-level look and feel Redesigned Start menu isn't perfect but it's a nice improvement Copilot Vision, though this type of thing may make more sense on phones AI features in Paint, Photos, Notepad, and Snipping Tool Natural language interactions like the agent in Settings, file search, and more (mostly Copilot+ PC only, but you can do this in Copilot as well) Bluetooth LE support for improved audio quality in game chat, voice calls Gaming on Windows 11 on Arm and Snapdragon X: Major steps forward, but the same issue as always Looking ahead to 2026: 26H1, Agentic features that work, potential Windows 12, and AI PCs AI An extensive new interview with Mustafa Suleyman confirms why this guy is special and how confusing it is that Copilot is so disrespected Microsoft Copilot is auto-installing on LG smart TVs and there's no way to remove it GPT-5.2 is OpenAI's answer to Gemini 3 ChatGPT Images is OpenAI's answer to Nano Banana Pro Disney invests $1 billion OpenAI, sues Google Opera Neon is now generally available for $20 per month AI is moving quick as we all know but the bigger issue may be the incessant marketing about features like agents that don't even work now Microsoft is getting pushback on forced Copilot usage, price hikes Google is expanding its use of "experiments" outside of mainstream products with things like NotebookLM, Mixboard, CC, and much more. Maybe this is the better approach: Test separately and then integrate it into existing products Oddly enough, Microsoft does have a Windows AI Lab for this kind of experimentation Many small models vs. one big LLM in the cloud Mobile Fortnite is back in the Google Play Store in the U.S. as Google plays nice Apple loses its contempt appeal, the end of "junk fees" (Apple Tax) is in sight Xbox and gaming Xbox December Update has one big update for the mobile app and one big update for Xbox Wireless Headphones There's a new Xbox Developer Direct coming in January Half-Life 3 may really be happening, but it will be a Steam Machine launch title so it could be a while Tips & picks Tip of the year: De-enshittify Windows 11 App pick of the year: Fortnite RunAs Radio this week: Zero Trust in 2026 with Michele Bustamante Brown liquor pick of the week: Lark Symphony No. 1 These show notes have been truncated due to length. For the full show notes, visit https://twit.tv/shows/windows-weekly/episodes/963 Hosts: Leo Laporte, Paul Thurrott, and Richard Campbell Sponsors: auraframes.com/ink framer.com/design promo code WW outsystems.com/twit cachefly.com/twit

We were inundated with new Windows features in 2025, but which ones actually moved the needle? Fortnite isn't just back on iPhone and Android, it's available on Windows 11 on Arm, and it works great! Plus, 2 big mobile wins for Epic Games and some thoughts on the "right" way to roll out AI features.Windows 11 Best Windows 11 updates of 2025, in no particular order... Dark mode improvements to File Explorer Widgets major overhaul with separate widgets and Discovery feed Xbox Full Screen experience - especially good on handhelds, of course, but also any PC you use for gaming with a controller Click to Do (Copilot+ PC only) External fingerprint reader support for Windows Hello ESS -External/USB webcams supported by Windows Studio Effects (Copilot+ PC only) Quick Machine Recovery is the tip of a wave of new foundational features like Admin Protection, Smart App Control (updates), and more that go beyond surface-level look and feel Redesigned Start menu isn't perfect but it's a nice improvement Copilot Vision, though this type of thing may make more sense on phones AI features in Paint, Photos, Notepad, and Snipping Tool Natural language interactions like the agent in Settings, file search, and more (mostly Copilot+ PC only, but you can do this in Copilot as well) Bluetooth LE support for improved audio quality in game chat, voice calls Gaming on Windows 11 on Arm and Snapdragon X: Major steps forward, but the same issue as always Looking ahead to 2026: 26H1, Agentic features that work, potential Windows 12, and AI PCs AI An extensive new interview with Mustafa Suleyman confirms why this guy is special and how confusing it is that Copilot is so disrespected Microsoft Copilot is auto-installing on LG smart TVs and there's no way to remove it GPT-5.2 is OpenAI's answer to Gemini 3 ChatGPT Images is OpenAI's answer to Nano Banana Pro Disney invests $1 billion OpenAI, sues Google Opera Neon is now generally available for $20 per month AI is moving quick as we all know but the bigger issue may be the incessant marketing about features like agents that don't even work now Microsoft is getting pushback on forced Copilot usage, price hikes Google is expanding its use of "experiments" outside of mainstream products with things like NotebookLM, Mixboard, CC, and much more. Maybe this is the better approach: Test separately and then integrate it into existing products Oddly enough, Microsoft does have a Windows AI Lab for this kind of experimentation Many small models vs. one big LLM in the cloud Mobile Fortnite is back in the Google Play Store in the U.S. as Google plays nice Apple loses its contempt appeal, the end of "junk fees" (Apple Tax) is in sight Xbox and gaming Xbox December Update has one big update for the mobile app and one big update for Xbox Wireless Headphones There's a new Xbox Developer Direct coming in January Half-Life 3 may really be happening, but it will be a Steam Machine launch title so it could be a while Tips & picks Tip of the year: De-enshittify Windows 11 App pick of the year: Fortnite RunAs Radio this week: Zero Trust in 2026 with Michele Bustamante Brown liquor pick of the week: Lark Symphony No. 1 These show notes have been truncated due to length. For the full show notes, visit https://twit.tv/shows/windows-weekly/episodes/963 Hosts: Leo Laporte, Paul Thurrott, and Richard Campbell Sponsors: auraframes.com/ink framer.com/design promo code WW outsystems.com/twit cachefly.com/twit

We were inundated with new Windows features in 2025, but which ones actually moved the needle? Fortnite isn't just back on iPhone and Android, it's available on Windows 11 on Arm, and it works great! Plus, 2 big mobile wins for Epic Games and some thoughts on the "right" way to roll out AI features.Windows 11 Best Windows 11 updates of 2025, in no particular order... Dark mode improvements to File Explorer Widgets major overhaul with separate widgets and Discovery feed Xbox Full Screen experience - especially good on handhelds, of course, but also any PC you use for gaming with a controller Click to Do (Copilot+ PC only) External fingerprint reader support for Windows Hello ESS -External/USB webcams supported by Windows Studio Effects (Copilot+ PC only) Quick Machine Recovery is the tip of a wave of new foundational features like Admin Protection, Smart App Control (updates), and more that go beyond surface-level look and feel Redesigned Start menu isn't perfect but it's a nice improvement Copilot Vision, though this type of thing may make more sense on phones AI features in Paint, Photos, Notepad, and Snipping Tool Natural language interactions like the agent in Settings, file search, and more (mostly Copilot+ PC only, but you can do this in Copilot as well) Bluetooth LE support for improved audio quality in game chat, voice calls Gaming on Windows 11 on Arm and Snapdragon X: Major steps forward, but the same issue as always Looking ahead to 2026: 26H1, Agentic features that work, potential Windows 12, and AI PCs AI An extensive new interview with Mustafa Suleyman confirms why this guy is special and how confusing it is that Copilot is so disrespected Microsoft Copilot is auto-installing on LG smart TVs and there's no way to remove it GPT-5.2 is OpenAI's answer to Gemini 3 ChatGPT Images is OpenAI's answer to Nano Banana Pro Disney invests $1 billion OpenAI, sues Google Opera Neon is now generally available for $20 per month AI is moving quick as we all know but the bigger issue may be the incessant marketing about features like agents that don't even work now Microsoft is getting pushback on forced Copilot usage, price hikes Google is expanding its use of "experiments" outside of mainstream products with things like NotebookLM, Mixboard, CC, and much more. Maybe this is the better approach: Test separately and then integrate it into existing products Oddly enough, Microsoft does have a Windows AI Lab for this kind of experimentation Many small models vs. one big LLM in the cloud Mobile Fortnite is back in the Google Play Store in the U.S. as Google plays nice Apple loses its contempt appeal, the end of "junk fees" (Apple Tax) is in sight Xbox and gaming Xbox December Update has one big update for the mobile app and one big update for Xbox Wireless Headphones There's a new Xbox Developer Direct coming in January Half-Life 3 may really be happening, but it will be a Steam Machine launch title so it could be a while Tips & picks Tip of the year: De-enshittify Windows 11 App pick of the year: Fortnite RunAs Radio this week: Zero Trust in 2026 with Michele Bustamante Brown liquor pick of the week: Lark Symphony No. 1 These show notes have been truncated due to length. For the full show notes, visit https://twit.tv/shows/windows-weekly/episodes/963 Hosts: Leo Laporte, Paul Thurrott, and Richard Campbell Sponsors: auraframes.com/ink framer.com/design promo code WW outsystems.com/twit cachefly.com/twit

We were inundated with new Windows features in 2025, but which ones actually moved the needle? Fortnite isn't just back on iPhone and Android, it's available on Windows 11 on Arm, and it works great! Plus, 2 big mobile wins for Epic Games and some thoughts on the "right" way to roll out AI features.Windows 11 Best Windows 11 updates of 2025, in no particular order... Dark mode improvements to File Explorer Widgets major overhaul with separate widgets and Discovery feed Xbox Full Screen experience - especially good on handhelds, of course, but also any PC you use for gaming with a controller Click to Do (Copilot+ PC only) External fingerprint reader support for Windows Hello ESS -External/USB webcams supported by Windows Studio Effects (Copilot+ PC only) Quick Machine Recovery is the tip of a wave of new foundational features like Admin Protection, Smart App Control (updates), and more that go beyond surface-level look and feel Redesigned Start menu isn't perfect but it's a nice improvement Copilot Vision, though this type of thing may make more sense on phones AI features in Paint, Photos, Notepad, and Snipping Tool Natural language interactions like the agent in Settings, file search, and more (mostly Copilot+ PC only, but you can do this in Copilot as well) Bluetooth LE support for improved audio quality in game chat, voice calls Gaming on Windows 11 on Arm and Snapdragon X: Major steps forward, but the same issue as always Looking ahead to 2026: 26H1, Agentic features that work, potential Windows 12, and AI PCs AI An extensive new interview with Mustafa Suleyman confirms why this guy is special and how confusing it is that Copilot is so disrespected Microsoft Copilot is auto-installing on LG smart TVs and there's no way to remove it GPT-5.2 is OpenAI's answer to Gemini 3 ChatGPT Images is OpenAI's answer to Nano Banana Pro Disney invests $1 billion OpenAI, sues Google Opera Neon is now generally available for $20 per month AI is moving quick as we all know but the bigger issue may be the incessant marketing about features like agents that don't even work now Microsoft is getting pushback on forced Copilot usage, price hikes Google is expanding its use of "experiments" outside of mainstream products with things like NotebookLM, Mixboard, CC, and much more. Maybe this is the better approach: Test separately and then integrate it into existing products Oddly enough, Microsoft does have a Windows AI Lab for this kind of experimentation Many small models vs. one big LLM in the cloud Mobile Fortnite is back in the Google Play Store in the U.S. as Google plays nice Apple loses its contempt appeal, the end of "junk fees" (Apple Tax) is in sight Xbox and gaming Xbox December Update has one big update for the mobile app and one big update for Xbox Wireless Headphones There's a new Xbox Developer Direct coming in January Half-Life 3 may really be happening, but it will be a Steam Machine launch title so it could be a while Tips & picks Tip of the year: De-enshittify Windows 11 App pick of the year: Fortnite RunAs Radio this week: Zero Trust in 2026 with Michele Bustamante Brown liquor pick of the week: Lark Symphony No. 1 These show notes have been truncated due to length. For the full show notes, visit https://twit.tv/shows/windows-weekly/episodes/963 Hosts: Leo Laporte, Paul Thurrott, and Richard Campbell Sponsors: auraframes.com/ink framer.com/design promo code WW outsystems.com/twit cachefly.com/twit

We were inundated with new Windows features in 2025, but which ones actually moved the needle? Fortnite isn't just back on iPhone and Android, it's available on Windows 11 on Arm, and it works great! Plus, 2 big mobile wins for Epic Games and some thoughts on the "right" way to roll out AI features.Windows 11 Best Windows 11 updates of 2025, in no particular order... Dark mode improvements to File Explorer Widgets major overhaul with separate widgets and Discovery feed Xbox Full Screen experience - especially good on handhelds, of course, but also any PC you use for gaming with a controller Click to Do (Copilot+ PC only) External fingerprint reader support for Windows Hello ESS -External/USB webcams supported by Windows Studio Effects (Copilot+ PC only) Quick Machine Recovery is the tip of a wave of new foundational features like Admin Protection, Smart App Control (updates), and more that go beyond surface-level look and feel Redesigned Start menu isn't perfect but it's a nice improvement Copilot Vision, though this type of thing may make more sense on phones AI features in Paint, Photos, Notepad, and Snipping Tool Natural language interactions like the agent in Settings, file search, and more (mostly Copilot+ PC only, but you can do this in Copilot as well) Bluetooth LE support for improved audio quality in game chat, voice calls Gaming on Windows 11 on Arm and Snapdragon X: Major steps forward, but the same issue as always Looking ahead to 2026: 26H1, Agentic features that work, potential Windows 12, and AI PCs AI An extensive new interview with Mustafa Suleyman confirms why this guy is special and how confusing it is that Copilot is so disrespected Microsoft Copilot is auto-installing on LG smart TVs and there's no way to remove it GPT-5.2 is OpenAI's answer to Gemini 3 ChatGPT Images is OpenAI's answer to Nano Banana Pro Disney invests $1 billion OpenAI, sues Google Opera Neon is now generally available for $20 per month AI is moving quick as we all know but the bigger issue may be the incessant marketing about features like agents that don't even work now Microsoft is getting pushback on forced Copilot usage, price hikes Google is expanding its use of "experiments" outside of mainstream products with things like NotebookLM, Mixboard, CC, and much more. Maybe this is the better approach: Test separately and then integrate it into existing products Oddly enough, Microsoft does have a Windows AI Lab for this kind of experimentation Many small models vs. one big LLM in the cloud Mobile Fortnite is back in the Google Play Store in the U.S. as Google plays nice Apple loses its contempt appeal, the end of "junk fees" (Apple Tax) is in sight Xbox and gaming Xbox December Update has one big update for the mobile app and one big update for Xbox Wireless Headphones There's a new Xbox Developer Direct coming in January Half-Life 3 may really be happening, but it will be a Steam Machine launch title so it could be a while Tips & picks Tip of the year: De-enshittify Windows 11 App pick of the year: Fortnite RunAs Radio this week: Zero Trust in 2026 with Michele Bustamante Brown liquor pick of the week: Lark Symphony No. 1 These show notes have been truncated due to length. For the full show notes, visit https://twit.tv/shows/windows-weekly/episodes/963 Hosts: Leo Laporte, Paul Thurrott, and Richard Campbell Sponsors: auraframes.com/ink framer.com/design promo code WW outsystems.com/twit cachefly.com/twit

GOTY week continues with my 5th and 6th favorite games of the year! A big ARM update and is Skate Story FIXED?!MY NEW YOUTUBE CHANNEL:https://www.youtube.com/@PlayStationDailyPodcastJOIN THE DISCORD and talk PlayStation with the PSD+ community:https://discord.gg/pEDZDp4kTGFOLLOW ME ON TWITCH and watch me record the show LIVE:https://www.twitch.tv/psdailypod/FOLLOW ME ON BLUESKY at psdailypod:https://bsky.app/profile/psdailypod.bsky.socialFOLLOW ME ON TIKTOK at ps.daily.pod:https://www.tiktok.com/@ps.daily.podIntro and Outro music is "The Concord Crew" by Daniel Pemberton from the Concord soundtrack.

Plukovnice lidských duší – Od Afghánistánu až k odolnosti společnosti. Jak to vypadá ve válečné zóně? S čím se vojáci musí potýkat? A jak si můžeme budovat každodenní odolnost? Dnes se bavíme s Helenou Sovákovou - hlavní psycholožkou Armády České republiky. Helena ukazuje, že odvaha není absence strachu, ale schopnost mysli vrátit se z pudové reakce do racionální roviny. Že hodnoty nejsou slova na zdi firmy, ale konkrétní chování v momentech, kdy jde do tuhého. A že i v místech největšího nebezpečí může vzniknout největší smysl, soudržnost a lidskost.Co je to morální trauma? Proč vybalovat svůj "batoh emocí"? Jaké to je poprvé přistát ve válečné zóně? Jak komunikovat o náročných situacích? To vše a mnohem víc. Příjemný poslech. Parťáci dnešního dílu:Magniflex.cz⁠⁠⁠Máme velkou radost, že jsme narazili na celosvětově patentované velmi kvalitní matrace od italské značky Magniflex. Magniflex je dělají z těch nejkvalitnějších materiálů a spolupracují s odborníky na biomechaniku a lékaři. Navíc mají nadstandartně dlouhou záruku proti proležení a to až 12 let. Já mám konkrétně matraci magnistretch s patentovanou technologií, která dokáže tělo při tlaku na ní trošičku protahovat a nemůžu si jí vynachválit. Tak jdi na ⁠⁠⁠Magniflex.cz⁠⁠⁠ a udělej další krok ke kvalitnějšímu spánku a zdraví s Magniflexem.KusKakaa - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.kuskakaa.cz⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠  Přináší do Česka čistá ceremoniální kakaa. A proč si takové kakao dopřát? Ukazuje se, že přináší celou řadu benefitů a má velký obsah flavonoidů a polyfenolů. Tak jdi na ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.kuskakaa.cz⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ a zkus jedno z jejich kvalitních kakaí! Doporučujeme to z Kostariky, nebo Peru.⁠Uplife.cz⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ -Zadej kód "BWA" pro slevu 10% na vybrané zboží na eshopu ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.uplife.cz/brain-we-are/⁠⁠⁠⁠⁠⁠⁠Kam dále?Kup si jeden z našich online kurzů ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Průvodce Mozkem a Myslí⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, nebo ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Mentální Modely⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ a s kódem "BWA30" je tam SLEVA 30%!Zadej kód "BWA" pro slevu 10% na vybrané zboží na eshopu ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠uplife.cz⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ a ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠herbal-store.cz⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Sledujte Brain We Are na sociálních sítích: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ( ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.instagram.com/brain_we_are⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ) nebo⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Facebook ⁠Minutáž:00:00 Úvod a přivítání03:57 Slzy nejsou slabost: Emoce v armádě06:00 Mají muži právo plakat?08:13 Zlomové momenty a rok 198911:38 Jak vznikají hodnoty a proč chybí ve školách16:27 Hodnoty v armádě: Odvaha, respekt a kartička v kabelce22:12 Hodnotový kompas a zpětná vazba24:32 Absence ocenění a vděčnosti ve společnosti27:37 Přílet do Iráku a první kontakt s realitou války31:34 PTSD a život se „zataženou ruční brzdou“33:24 Život na základně pod palbou raket38:50 Budování normálnosti ve válce: Hřiště, knihovna a jídlo43:16 Pouto vzniklé v extrémních podmínkách50:22 Morální zranění a trauma novinářů53:54 Jak nevyhořet: 4 pilíře odolnosti58:48 Kam chodí pro pomoc psycholog?01:00:39 Osobní zkušenost se šikanou od nadřízeného01:06:49 Batoh emocí: Co si neseme na zádech a jak to vybalit01:10:06 Naučená bezmoc a proč lidé mlčí01:14:11 Uvědomění si smrtelnosti a dopisy na rozloučenou01:17:34 Jak mluvit s dětmi o sm*ti01:21:33 Nešvary v komunikaci: Skákání do řeči a bagatelizace01:29:13 Pětka ve škole jako příležitost, ne selhání01:31:06 Umění naslouchat bez přebírání emocí01:39:00 Chybí nám jako společnosti odolnost?01:42:26 Morální dilema pomoci vs. bezpečnostiPřechod do VIP části- Vzory a hrdinové: Proč nám chybí?- Vytrácející se rituály a úcta k veteránům- Humor jako koření života a obrana mysli- KPZ pro duši a síla naděje- Příběh rukojmí v Angole: Kdo přežil a proč

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Want to get even more jacked? Grab the RP Hypertrophy App for your training, and maximize your gym efforts with the RP Diet Coach App to nail your nutrition.   00:00 - Intro 00:20 - Five Nights at Freddy's chaos 03:30 - Mike's "performance" issues 04:44 - Cialis/Viagra as "pre-workout pump," what it does/doesn't do 08:30 - Post-photoshoot reset: diet/training overview + plan setup 17:41 - Arm/shoulder emphasis: training arms 6x/week + managing flare-ups 20:33 - The "heavy → moderate → light" 3x/week frequency model (with exercise variation) 39:14 - Why joints hate high frequency (and how exercise selection helps it) 53:13 - Wrap-up: holidays, deload timing, and goals for the next block  

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[ANNOUNCEMENT] Grandpa Bill's New YouTube: Silver Streaker Workouts, Mnemonics & Maine Mentor MomentsYouTube Description:BillHolt @billholt8792Hey everybody! I'm Grandpa Bill, your Host and Moderator, and today marks the exciting launch of my revamped YouTube channel! We're transitioning to short, focused Silver Streaker Workouts and Maine Mentor Moments—daily vlogs that are Good for ALL Kids from 1 to 92! This new format is packed with Holistic Healing insights, Geriatrics Workouts, and valuable Retirement Tips.The New Daily Structure: Join me every day for a dose of motivation, exercise, and memory training!Daily Workouts: Focus on Balance Training, Mobility Drills, and Active Aging tips.Maine Mentor Moments: I'm teaching Life & Business Mnemonics using the PAO Major System and my unique Memory Palace with my granddaughter, Adah! Learn Life Skills and boost your Financial Wellness.

In this CPQ Podcast episode, Frank talks with Max from Prodly about the shift from Salesforce CPQ to Revenue Cloud Advanced (now Agentforce Revenue Management, ARM) and what it really takes to manage that transition successfully. They look at how Salesforce is moving customers to ARM, why this is not a simple upgrade but a separate implementation project, and what that means for CPQ teams, partners, and customers. Max reflects on the early Steelbrick days and how it helped democratize CPQ, his path from engineer and product manager to founder, and why he had to learn marketing, sales, and go-to-market the hard way. He also shares a few personal stories, including a 48-hour round-trip flight to Munich for a four-hour meeting, and his view on the coming agentic revolution in enterprise software. You'll also hear how Prodly has grown into an Application Lifecycle Management (ALM) / DevOps platform for Salesforce with ~35–40 employees and a global, mostly North American, customer base. Max explains how Prodly helps larger organizations automate complex CPQ and quote-to-cash deployments (configuration, price rules, discount schedules, install base data, etc.), and why one of their biggest differentiators is that the platform is not limited to CPQ—it also supports use cases like field service, e-commerce, and rebate management. Today, Prodly works with any CPQ solution built on the Salesforce platform, with plans to expand beyond Salesforce in the future. Topics covered: Salesforce CPQ, Revenue Cloud Advanced, Agentforce Revenue Management (ARM), CPQ migration strategy, Salesforce DevOps, application lifecycle management (ALM), Prodly, Steelbrick, quote-to-cash, agentic revolution in enterprise software.

Que se passerait-il si le flanc Est de l'Europe était attaqué?Fin octobre, le chef d'état-major des Armées français, le général Fabien Mandon, insistait la nécessité de réarmer le pays pour que l'armée soit prête "à un choc dans trois, quatre ans" face à la Russie, qui "peut être tentée de poursuivre la guerre sur notre continent". Quelques semaines plus tard, il soulignait que la France devait être "prête à perdre ses enfants", une phrase qui a marqué.Dans les faits, l'Otan et l'Union européenne travaillent sur ce scénario et cherchent à préparer les esprits -- les militaires parlent de "réarmement moral". L'Alliance atlantique se prépare aussi en effectuant des exercices grandeur nature. Le dernier en date a eu lieu en Roumanie début novembre 2025. Près de 5.000 militaires dont 3.000 Français ont été déployés au pied des Carpates, pour un exercice qui a mis en lumière d'importantes lourdeurs administratives et difficultés techniques à surmonter pour qu'un déploiement rapide soit possible en cas d'offensive.Invités: Mathieu Rabechault, journaliste de l'AFP qui suit les questions de défensePierre de Villiers ancien chef d'état-major des Armées, auteur de "Pour le succès des armes de la France" (Fayard)Elie Tenenbaum, directeur du Centre des études de sécurité à l'Institut français des relations internationales (IFRI)Maxime Cordet, directeur de recherche à l'IRIS, spécialiste de la défense européenneExtraits sonores: AFPTV, Otan,Commission EuropéenneRéalisation: Emmanuelle Baillon, Maxime Mamet, Michaëla Cancela-KiefferLa Semaine sur le fil est le podcast hebdomadaire de l'AFP. Vous avez des commentaires ? Ecrivez-nous à podcast@afp.com. Si vous aimez, abonnez-vous, parlez de nous autour de vous et laissez-nous plein d'étoiles sur votre plateforme de podcasts préférée pour mieux faire connaître notre programme Hébergé par Acast. Visitez acast.com/privacy pour plus d'informations.

""Klasika" ir mans mīļākais radio. Vienmēr mašīnā klausos tikai divas radiostacijas, un viena no tām ir jūsu. Pat ja būtu uzaicināts mazgāt grīdas jūsu raidstacijas studijā, būtu atnācis jums palīdzēt! (..) "Klasika" ir tā, kas dzīvo pāri laikam: laiks iet, bet tā dzīvo un eksistē. Jo tā ir klasika. Vai tas ir džezs vai akadēmiska mūzika – tam nav nekādas nozīmes. (..) Ja gribi turēt savu dvēseli pie veselības, mūzika tam ir vislabākās zāles – tā ir Dieva māksla," ir pārliecināts viens no Latvijas viskolorītākajiem režisoriem AIKS KARAPETJANS, kura radošās darbības lauks ir gan opera un teātris, gan kino. Tomēr 8. janvārī viņš debitēs kāda vērienīga koncerta režisora ampluā. Proti, tieši viņš būs Latvijas Radio 3 "Klasika" 30. jubilejas koncerta režisors Latvijas Nacionālajā operā, un viņa veikumu varēsim redzēt ne tika Baltajā namā, bet arī Latvijas Televīzijas tiešraidē. Tomēr saruna rit arī par citām Aika radošajām iecerēm, un tādu nudien viņam netrūkst! Inga Saksone: Mūsu sarunas temats būs priecīgi notikumi, kas gaidāmi pēc Jaunā gada: saistīti gan ar "Klasiku", gan Balto namu. Bet sākumā gribēju jautāt par skolām, kurā esi mācījies: Latvijas Mākslas akadēmiju, Latvijas Kultūras akadēmiju un Parīzes kino skolu. Vai tās viena otru ir papildinājušas? Aiks Karapetjans: Noteikti papildinājušas, jo visas trīs iestādes ir ar savām tradīcijām. Nezinu, kā tagad, bet manos laikos, kad mācījos Mākslas akadēmijā – un tas bija ļoti, ļoti sen – tā tiešām vairāk bija klasiskā, akadēmiskā izglītība. Savukārt Kultūras akadēmija bija tāda dvēseles lieta – tur bija vairāk par kino. Ņemot vērā, ka tolaik vēl nebiju tādu tehnisku iespēju kā tagad – ka studenti var mācīties un veidot filmas, mēs bijām tāds kā eksperimentāls kurss. Tā tehniskā izglītība mums bija diezgan pašvaka, un tas bija viens no iemesliem, kāpēc aizbraucu uz Parīzi, jo tur bija tieši otrādi: tur par radošumu bija mazāk, bet vairāk – tieši par tehniskām lietām, un tur apguvu kinoizglītības tehnisko pusi. Visas trīs izglītības bija ļoti dažādas, neviena no tām neatkārtoja iepriekšējo, un tas man ļoti, ļoti palīdzēja. Mākslas akadēmijā tavs noslēdzošais darbs bija "Nāves tēma latviešu glezniecībā 19. gadsimta otrajā pusē un 20. gadsimta sākumā". Šī tēma patiešām bija tik ātri un viegli atrodama? Protams... (Smejoties nopūšas.)  Latviešiem to var atrast, ja? Rozentāla simbolisms, ko redzam viņa gleznās, ir viena lieta. Izteiksmīgākā ir viņa glezna "Nāve", kur pļavā sēž jauna sieviete ar zīdainīti klēpī un pie zīdainīša pieliekusies jauna, skaista sieviete baltā tērpā. Liekas – tāda smuka ainava, bet īstenībā tā kompozīcija ir par Nāvi, kas apmeklē bērnu. Bet ir, ir daudz. Pat kluso dabu var atrast ar galvaskausu, ko arī var interpretēt kā nāvi. Tas vienkārši ir jautājums par to, kāda ir semiotika – vairāk pētīju tieši to pusi. Vairs neatceros kādas detaļas, bet tā tēma atnāca pati, pat nezinu, kāpēc – man likās, ka tā ir interesanta tēma, kas varētu būt manam diplomdarbam. (..) Tolaik latviešu glezniecībā bija diezgan dinamiskas pārmaiņas. Ņemot vērā, cik Eiropa bija bagāta ar jauniem virzieniem, sevišķi glezniecībā, tas viss, protams, latviešu gleznotājus arī pārņēma savā varā. Valdīja eklektika: bija gan impresionisms, gan romantisms. Katrs izvēlējās pats savu ietekmes avotu. Līdz ar to nevar teikt, ka, piemēram, no tā līdz tam gadam latviešu glezniecībā bija tāds un tāds virziens. Nu, nebija tā, jo tas bija diezgan eklektisks un bagāts laiks ar pārmaiņām un dažādību. Savu ceļu kino iesāki ar kriminālfilmu, un "Piejūras klimata" raidījums oktobrī bija veltīts tieši kriminālfilmām ar dažādām pazīmēm un raksturiem. Sarunājās sarunājās kinokritiķe Dārta Ceriņa, režisors Jānis Ābele un producents Sergejs Timoņins. Raidījumā izskanēja jautājums, kādēļ režisori par savām debijas filmām tik ļoti bieži izvēlas tieši kriminālfilmu žanru. No kurienes tas rodas? Kāpēc tieši pirmā filma jātaisa par bandītiem, blēžiem? Krimiķi ar jokiem vai bez jokiem? Izskanēja arī varbūtība, ka jaunam režisoram veiksmīgāk ir pirmo filmu veidot kādā konkrētā žanrā, nevis pašam par sevi. Tā ir atbilde? Varbūt, bet ne manā gadījumā. Man tieši otrādi. Tikai pēc savas pirmās filmas pievērsos žanram. Un mana pirmā filma "Cilvēki tur" nebija gluži autobiogrāfiska. Stāsts bija par to, ko biju redzējis, dzirdējis un, protams, piefantazējis klāt. Filmas pamatā bija reāls stāsts. Tie, kas redzējuši šo filmu – realitātē tas notikums bija vēl briesmīgāks un šausmīgāks, nekā filmā. Bet par tām kriminālfilmām… Manuprāt, viens no iemesliem ir tas, ka tā ir brīva zona. Mēs visi – sevišķi jaunībā – augam un ietekmējamies tieši no šī žanra filmām, turklāt ne tikai režisori Latvijā, bet arī pasaulē. Tarantīno, Skorsēze… Varbūt vienīgi Spīlbergs to darījis mazāk nekā citi. Bet vienalga – tas ir žanrs, kas dod tev iespēju izstāstīt ļoti spilgtu, intensīvu un skatītājam interesantu pasauli, kurā ir pilnīgi citi likumi! Protams, mums gribas redzēt un uzzināt vairāk par to, kā cilvēki ignorē sabiedrības normas un dzīvo pēc saviem likumiem. Viņi kaut kādā ziņā ir dumpinieki – saceļas pret normām un netaisnību. Tieši tā, kā Dārta Ceriņa šajā raidījumā stāstīja – tas arī ir par to. Ja cilvēks nevar sasniegt taisnību saskaņā ar likumu, viņš pats pārkāpj likumu, lai taisnību sasniegtu. Un principā visi stāsti ir par to. Cik mēs gribam tos redzēt vai cik varbūt atsaucīgi ir skatītāji uz šo žanru, uz šo tēmu? Tas ir labs jautājums – par atsaucību. Jo tas, ka skatītājiem pirms filmas noskatīšanās tiek solīts, ka tur būs kaut kas tāds, kas piesaistīs uzmanību, ka varoņi pārkāps robežas – tas  uzreiz ir interesanti. Bet mūsu gadījumā, man liekas, Latvijā skatītājam ar ļoti retiem izņēmumiem interesē savi stāsti – lokāli stāsti. Tāpēc arī mums tik ļoti populāras ir patriotiskās filmas, kur skatītājs emocionāli jūtas ļoti komfortabli, jo viņš redz un dzird to, ko viņš grib redzēt un dzirdēt. Neko vairāk. Tāpēc man ir prieks par Oskara Rupenheita filmas lielajiem panākumiem, jo viņš ir uztaisījis diezgan skarbu filmu par 90. gadiem, un esmu labā ziņā pārsteigts, ka skatītājiem patiesi gribējās redzēt tādu filmu, jo biju diezgan skeptisks par to, ka mūsdienās kāds aizies skatīties filmu par 90. gadu bandītiem. Es runāju par filmu "Tumšzilais evaņģēlijs". Tas ir kvalitatīvs darbs, un man prieks, ka šis darbs kļuva par tādu hitu. Kriminālas iezīmes var atrast arī operās, jo ļoti reti tās noslēdzas labi. Bieži atrodami  sižeta pavērsieni, pie kuriem var pieķerties. Tevis veidotajā "Seviļas bārddzinī" bija ļoti laba atsauce uz Franču revolūcijas laiku. Tāpat arī "Hofmaņa stāstos" tā sēņu lietošana arī pārāk legāla tomēr nebija. Kas būs Pjetro Maskanji "Zemnieka godā" un Rudžjēro Leonkavallo "Pajaci" izrādēs, kas tavā režijā būs skatāmas pēc Jaunā gada? Nestāstīšu sīki par to, ko darīsim, bet pamatā tas būs stāsts par lietām, kas mūsdienās skatītājam, iespējams, būs mazliet nesaprotamas, sevišķi mūsu reģionā. Tas ir par atriebību, par godu, par to, ko sabiedrība domā, piemēram, par mani vai par manu sievu. Līdz ar to stāsts ir vairāk par cīņu par savu reputāciju. Cilvēki tādēļ ir gatavi darīt briesmīgas lietas – nogalināt, melot, zagt un tā tālāk. Mūsu gadījumā gribam to visu izveidot mūsu skatītāju sirdīm mazliet tuvāku, lai tas nav par vendetu – jo atriebības tēma ir diezgan primitīvs dramaturģijas gājiens. Man tā kā gribas uztaisīt izrādi drīzāk par varoni, kurš kļūs par pagātnes spoku pārējiem varoņiem. Un kaut kādā ziņā viņš viņus soda par viņu pagātnes grēkiem. Tu domā, ka atriebība ir vienkārši citas kultūras fenomens, ko mums grūti saprast? Saprast var, bet noticēt, uz ko cilvēki ir spējīgi tās dēļ, domāju, ir grūti. Protams, mums atriebības sajūta ir dabiska, un tā ir normāla lieta. Bet ne visi ir gatavi pārkāpt kādus morāles principus vai pat likumu tikai atriebības dēļ. Teiksim, mana sieva bučojas ar citu vīrieti – aiziešu un nogalināšu abus! Noticēt un līdzpārdzīvot tādam stāstam mūsdienās ir diezgan grūti. Tāpēc mans uzdevums kā režisoram ir izdarīt tā, lai skatītājs varētu līdzpārdzīvot, atrast vēl kaut kādu stīgu, kas palīdzētu skatītājam just līdzi vai vismaz noticēt tam visam. Kaut gan tāda izsmalcināta atriebība mūsdienās pastāv diezgan bieži. Ne tieša, bet izsmalcināta. Un šķiet, ka cilvēki to tīri labprāt pielieto. Es ceru, ka ar izsmalcinātību tu nedomā slepkavību! (Smejas.)  Protams, nē! Drīzāk par morālo, statusa atriebību.  Dramaturģiski tas ir ļoti viegli – iedot varonim šādu motivāciju kaut ko darīt, pārkāpt kaut kādas robežas. Bet tieša atriebība, manuprāt, nav labs gājiens, jo tas ir ļoti viegls ceļš. Motivācija varbūt ir, bet pamatojuma reizēm trūkst. Starp citu, Leonkavallo "Pajaci" tavā režijā bija pirms sešiem gadiem. Šis būs cits stāsts?  "Pajaci" paliks tāds pats. Vienkārši toreiz pirmajā daļā bija nevis Maskanji "Zemnieka gods", jo Zigmars Liepiņš vēlējās eksperimentēt, un mēs taisījām Montemeci operu "Burvestība". Ņemot vērā, ka tas bija pirmais šīs operas iestudējums vispār vēsturē, skaidrs, ka atrast dziedātājus, kas atbrauktu un to nodziedātu, bija diezgan liels izaicinājums, kas beidzās ne ar ko, un līdz ar to šo izrādi noņēma no repertuāra. Bet tagad Sandis Voldiņš grib atjaunot "Pajaci" un salikt kopā klasiskajā formātā ar "Zemnieka godu" pirmajā daļā. Tā ka man principā būs jāatjauno "Pajaci" un pilnīgi no jauna jāiestudē "Zemnieka gods". Vai mūzika palīdz atrast tos pagrieziena punktus sižetā? Jā, mūziku klausos ļoti daudz. Manuprāt, ar mūziku režisoram jāstrādā ne mazāk kā ar stāstu. Un ar mūziku ir arī tā: vai nu tu cīnies ar to, vai to pieņem tādu, kāda tā ir, un vienkārši pieliec klāt kādus vizuālus elementus, kas palīdzēs skatītājam gan skatīties, gan klausīties. Un mans uzdevums tāds vienmēr ir bijis, lai abas divas lietas – tas, ko viņi dzird un tas, redz, netraucē viena otrai. Var taisīt kaut ko pilnīgi citu vizuāli, protams, kaut ko negaidītu, bet ir svarīgi, lai tas dotu kaut ko mūzikai. (..) Šobrīd vairāk domāju par to, kā izcelt ļoti "Zemnieka goda" mūziku, ka ir ārkārtīgi salda, melodiska itāļu mūzika. Tagad daudz  skatos itāļu filmas no 50., 60. gadiem – ne tikai neoreālismu, bet arī komēdijas ar Marčello Mastrojāni, piemēram. Tur būs ļoti daudz referenču no kino. Mēs gribam uztaisīt tādu pēckara laika Itāliju, Dino Rīzi vai agrīnā Fellīni komēdijas virzienā. Un "Pajaci" būtu loģisks turpinājums ar tiem pašiem varoņiem, taču pēc 20 vai 30 gadiem, kad viņi nonākuši pansionātā... Tātad periods pēc kara un – astoņdesmitie gadi. Kādā stadijā šobrīd ir iestudējums? Sāksim mēģināt janvārī. Es tagad gatavojos – izpildu mājasdarbus... Bet tagad man tomēr ir lūgums mesties atpakaļ kino pasaulē un doties uz Parīzi, un raidījumā Piejūras klimats, kas izskanēs 13. decembrī, ir arī kāds fragments tieši par filmu skatīšanos Parīzē. Alise Zariņa stāsta par savu pieredzi Parīzē, un raidījuma dalībnieki spriež, ja reakciju, kādu var novērot Francijā, varētu redzēt arī kinoteātros Rīgā. Es teiktu, ka operā vai teātros nekad nekliegs. Atceros, Francijā manis veidotās operas "Karmena" pirmizrādē puse no auditorijas kliedza "Bū!", bet otra puse kliedza "Bravo!" Bija ļoti dīvaina sajūta. Vēl pirms mēģinājuma mani direktore brīdināja: "Aik, atceries, ka nebūs tev tikai aplausi, bet būs arī "Bū!" Šeit ir tāda tradīcija, sevišķi ar "Karmenu", kas frančiem ir svēta lieta. Protams, Latvijā ir tā: ja ir vienkārši aplausi, tas nozīmē, ka izrāde nav sevišķi patikusi. Ja ir aplausi un ceļas kājās, tas ir labi. Bet tagad dažreiz ceļas kājās tikai celšanās pēc – gan filmām, gan izrādēm ir tāda problēma. Atceros, reiz Armēnijā braucu taksī, un tur skanēja kāda briesmīga dziesma. Prasu taksistam: tev patīk tā dziesma? Viņš saka – jā. Es saku – kas tev tajā patīk? Melodija? Viņš saka – nē, viņš dzied par mammām. Kā var nepatikt dziesma, ja tur dzied par mammām?! Un es saprotu, ka šeit tāpat ir ar filmām vai izrādēm: ja tēma ir pareiza un laba, cilvēkam patīk – vienalga, kā tas uztaisīts. Mani tas kaitina un nepatīk. Jo man liekas, ka nav tik svarīgi, par ko, bet kā. Man vienmēr interesē, kā konkrēto tēmu vai stāstu režisors ir interpretējis un parādījis uz skatuves vai uz ekrāna. Bet par to kino vēstures iespēju – Parīzē skatīties senākas un jaunākas filmas: pie mums tā ir ļoti reta iespēja. Vai arī mēs esam pieraduši vairāk skatīties mājās, datorā? Vienkārši mums ir maz cilvēku. Ja mūsu Rīgā būtu četri vai pieci miljoni iedzīvotāju, mums uz lielā ekrāna rādītu arī Bergmana filmas. Bet pēdējos gadus esmu manījis labu tendenci, ka ne tikai "Splendid Palace", bet arī lielajos komerckinoteātros ik pa brīdim rāda klasiku. Piemēram, vakar "Apollo kino" skatījos Kubrika "Mirdzuma" restaurēto versiju. Tas man bija liels piedzīvojums! Tiklīdz rāda kādu klasisko filmu labā kvalitāte, man ir ļoti svarīgi, lai tai būtu laba kvalitāte – gan projekcija, gan pati filmas kopija. Tiklīdz kaut kas tāds notiek, obligāti aizeju un noskatos. Tas vienmēr ir liels prieks. Arī "Splendid Palace" ik pa brīdim rāda klasiskās filmas un redzu, ka cilvēki nāk. Piemēram, vakar uz seansu bija ļoti daudz jauniešu, par ko biju priecīgs. Nezinu, kā viņi to uztvēra un vai viņiem tā patika vai nepatika, bet vienalga – interese bija. Skaidra lieta, ja šī filma būtu repertuārā, zāles būtu tukšas, bet ja ir īpašs seanss – notikums, cilvēki nāk, jo saprot, ka vairs nebūs tādas iespējas. Bet noslēgumā par kādu ļoti būtisku notikumu – par to, kas mūs sagaida 8. Janvārī. Lai arī neko daudz par Latvijas Radio 3 Klasika 30. jubilejas svinībām neatklāsim, mums ir liels prieks par to, ka piekriti būt šī koncerta režisors. Cik tas ir vienkārši – ieraudzīt pārdesmit skaņdarbus un izdomāt, kā tos salikt kopā? Tā būs mana pirmā pieredze... Man ir mazliet bail – vairāk, nekā taisīt operu, jo koncertus nekad neesmu režisējis. Bet, kad man piedāvāja tādu iespēju, negribēju atteikt, jo "Klasika" ir mans mīļākais radio. Vienmēr mašīnā klausos tikai divas radiostacijas, un viena no tām ir jūsu. Pat ja būtu uzaicināts mazgāt grīdas jūsu raidstacijas studijā, būtu atnācis jums palīdzēt! Šobrīd atklāsim to, ka būs krāšņi solisti un orķestri, Latvijas Nacionālais simfoniskais orķestris un Latvijas Radio bigbends, būs arī dažādi kamersastāvi. Vai tas var palīdzēt saprast to, kas tad tā "Klasika" īsti ir? "Klasika" ir tas, kas eksistē un dzīvo pāri laikam: laiks iet, bet tā dzīvo un eksistē. Jo tā ir klasika. Vai tas ir džezs vai akadēmiska mūzika – tam nav nekādas nozīmes. Cauri laikiem tas dzīvo, eksistē, un tas katrā ziņā ir mūžīgs.  Bet koncerta ziņā, protams, mums būs vizuāli elementi , kas apvienos to visu. Tajā pašā laikā, kas ir labi – katrā skaņdarbā mainās garastāvoklis, atmosfēra. Līdz ar to man kā režisoram galvenais uzdevums ir izdomāt pārejas no viena skaņdarba uz otru. Atrisināt tieši šo niansi. Bet baidos, ka tik ļoti baudīšu to koncertu, ka aizmirsīšu par saviem pienākumiem un darbu... (Smejas.)  Šajā koncertā būs mūsu rezidences mākslinieki Aigars Raumanis un Annija Kristiāna Ādamsone. Būs arī Elīna Garanča un Maestro Raimonds Pauls! Bet radoši tehniskajā komandā būs cilvēki, ar kuriem tu darbojies visai bieži – Artis Dzērve, Mārtiņš Vilkārsis. Tev ir svarīgi savi cilvēki, ar kuriem saproties no pusvārda? Protams. Tas ir ne tikai par rezultātu, bet arī par darba procesu. Līdz ar gadiem esmu sapratis, ka vēlos arī baudīt procesu, un procesu var baudīt, tikai pateicoties cilvēkiem, ar kuriem tu strādā! Man negribas ciest, man negribas cīnīties, man gribas vienkārši labi pavadīt laiku un sasniegt labu rezultātu. Tas jau nenozīmē, ka tā sanāks! Bet jāmēģina. Bet, tiklīdz tu izvirzi tādu uzdevu, vismaz uz pusi sanāk. Bet šie cilvēki mani pazīst ļoti ilgu laiku, esam ļoti daudz ko taisījuši kopā, sevišķi ar Arti Dzērvi un Kristīni Pasternaku. Domāju, viss būs interesanti un labi. Vai nav kādas šaubas par to, ka kaut ko var atkārtot? Kaut kas līdzīgs jau ir bijis?  Nē, nē! Neesmu redzējis koncertus. Godīgi sakot, pat nezinu, kā citi ir taisījuši koncertus. Līdz ar to man ir tāda sajūta, ka var darīt jebko. Bet tajā pašā laikā man dots ļoti konkrēts uzdevums no jūsu radio puses – ko jūs vēlaties, kam jābūt, un tas man vienkārši jāsaliek kopā. Man nav jāizdomā izrāde – šis ir mazliet cits uzdevums. 

Send us a textBeen too damn long. Check out this ratty ass episode. Arm the Homeless Guitar, Ibanez Axion Discussion, Berhinger Meatball, and Fender Custom Shop discussions. Things will get better I promise. Thanks everyone from the bottom of my heart I appreciate all of ya. LFG babes. Y'all know the drill. 

Keywords: Genesis,Book of Genesis,Revival, Character Of God,Free Sermons, Video Sermons, Jesus Christ, What Is The Gospel, Sermon Index, What Is The Truth, kjv bible, Audio Bible, Bible, God, God's Love, Scriptures, Holy Bible, Prophets, Apostles, KJV, Jesus,Christ, audiobook, book, holy life, love, bible verses, king james bible audio, audio bible KJV, king james bible online audio, bible audio, online bible kjv, audio bible kjv, daily bible verse, bible verse of the day, KJV audio, Remastered, Best Version, Jesus Christ, Holy Spirit, Holy Ghost, The Chosen, Salvation, Saved, Christian, Suffering Servant, Arm of the Lord, Plants Roots, Despised Rejected, Sorrows, Peace War, Crucifixtion, The Cross, Violence, Judgement, Master Servant, Life Death, Old Testament, Exposed, Music, Education, Great Tribulation, Top Bible Verses, Bible Topic Prayer, Evangelicalism, bible study, Word of God, scripture, scriptures, Matthew Henry's biblical commentary, bible commentary, Matthew Henry commentary, God's Word, Matthew Henry, studying the Bible, understanding the Bible, God, Father, Son, Holy Spirit, Spiritual, Hope, Jesus Answers Prayer, Answers to Prayer, Prayer, Pray, God Answers Prayer⚠️ Support our ministry: https://ko-fi.com/jesusanswersprayers❓️ How does this chapter apply to you?

Hey, first! If you value what we do, this is the best-ever time to support our work. We have SO much work ahead in 2026. Donate here. We’re back for another look at things that – believe it or not – did NOT suck in 2025. Specifically: new state laws from around the country aimed at protecting people from things like medical debt, insurance delays and denials, and corporate profiteering. In this episode, we dive into two examples from opposite sides of the country to look at how laws like these get made – and in some cases, defended. In Maine, lawmakers unanimously voted to remove medical debts from people’s credit reports. While a nationwide court ruling raises questions about the new law’s future, we’ll hear why consumer rights attorney Chi Chi Wu remains optimistic. And in Oregon, a law aims to prevent big corporations and private equity firms from taking over medical clinics and strip-mining them for profits. Plus, a good-news update from our team at An Arm and a Leg. Here's a transcript of this episode. Send your stories and questions! Or call 724 ARM-N-LEG. And, again… we’d love for you to support this show.See omnystudio.com/listener for privacy information.

In this episode of SaaS Fuel, host Jeff Mains sits down with Anthony Franco—serial entrepreneur, co-author of AI First Principles and the Wiser Method, and host of the How to Founder podcast—to talk about what it really takes to implement AI effectively in SaaS businesses. The conversation breaks past the usual hype, diving deep into the practical messiness of entrepreneurship, building tech that serves real humans (not just outputs), and how intentional iteration leads to successful outcomes. Anthony Franco shares brutally honest stories of failure, the necessity of understanding end users, and the importance of starting with a noble cause before diving into AI adoption. If you're a founder wanting actionable strategies to build a future-proof company in the age of AI, this is your episode.Key Takeaways00:00 "AI, Bias, and Holographic Futures"03:44 "Future, Revenue Systems, and Strategy"07:34 "Entrepreneurs Fuel Prosperity"10:36 "Value Your Job, Avoid Mistakes"15:02 "Earn the Right to Rebuild"18:57 "User Experience Insights Revolution"21:34 Necessary Complexity and Risk Management25:49 "Leadership's Four Key Relationships"28:23 "Wiser Method: AI Principles"32:30 AI Missteps: Autonomy vs Collaboration35:25 "Challenging Ideas and Biases"38:03 "Readiness for Agentic Orchestration"43:00 "Feature Flags & Brand Magic"Tweetable Quotes“Entrepreneurs are the pioneers of economic prosperity—the ones willing to look foolish bring prosperity to all.” —Anthony Franco“If you automate broken things, you're just scaling your problems.” —Anthony Franco“Design for how the world is—not just how you wish it would be.” —Anthony Franco“The reason you write software is to make someone's life easier—not just your own.” —Anthony Franco“Stop coding. Go talk to the person you're coding for—not your manager, your end user.” —Anthony Franco“If you win 10% of the time and fail 90%, you still win. Micro-failures fuel learning.” —Anthony FrancoSaaS Leadership LessonsLead Arm-in-Arm, Not From AfarGreat leaders work alongside their teams, getting “calluses” from real workSet Honest Expectations About EntrepreneurshipDon't sell the dream—share failures and chaos as well as successes to guide founders realisticallyTalk to End Users—Don't Just Delegate DiscoveryLeaders must become chief customer advocates; direct feedback is transformative Don't Automate for Automation's SakeEvaluate the root causes and bottlenecks before layering on tools Embrace Necessary ComplexityNot all complexity is bad. Sometimes it's a competitive advantage or required for regulatory compliance Start Small—Iterate and Learn Before Scaling AIFocus on incremental improvement, pilot adoption, and learning from failures Guest Resourcesanthony@suitepea.comaifirstprinciples.orghttps://www.linkedin.com/in/anthonyfranco/x.com/anthonyfrancoEpisode SponsorThe Captain's KeysSmall Fish, Big Pond – https://smallfishbigpond.com/ Use the promo code ‘SaaSFuel'Champion Leadership Group – https://championleadership.com/SaaS Fuel ResourcesWebsite -

Firefox 146 scales in fractions, AMD revives an old chipset, Ubuntu is shipping ROCm, and a beefy ARM board for Framework 13" laptops.Bonus show plus Video: ⁠https://www.patreon.com/lwdw⁠Come say hi in Discord! ⁠https://discord.gg/uQVckr5gEZ⁠⁠Topic links AMI & Canonical: https://canonical.com/blog/ubuntu-boot-in-uefi-announcementAMD Chipsets: https://videocardz.com/newz/amd-reportedly-postpones-b650-chipset-discontinuation-amid-ddr5-price-spikeFirefox 146 scaling: https://www.omgubuntu.co.uk/2025/12/firefox-146-release-linux-fractional-scaling-supportARM Framework :https://metacomputing.io/blogs/news/metacomputing-showcases-its-first-arm-ai-pc-at-the-cix-ecosystem-conferenceTimestamps00:00 Intro10:23 Ubuntu and AMI partnership12:55 ROCm ships with Ubuntu16:41 AMD revives B650 chipset 22:19 Firefox fractional scaling 26:43 Framework ARM laptop

Keywords: Genesis,Book of Genesis,Revival, Character Of God,Free Sermons, Video Sermons, Jesus Christ, What Is The Gospel, Sermon Index, What Is The Truth, kjv bible, Audio Bible, Bible, God, God's Love, Scriptures, Holy Bible, Prophets, Apostles, KJV, Jesus,Christ, audiobook, book, holy life, love, bible verses, king james bible audio, audio bible KJV, king james bible online audio, bible audio, online bible kjv, audio bible kjv, daily bible verse, bible verse of the day, KJV audio, Remastered, Best Version, Jesus Christ, Holy Spirit, Holy Ghost, The Chosen, Salvation, Saved, Christian, Suffering Servant, Arm of the Lord, Plants Roots, Despised Rejected, Sorrows, Peace War, Crucifixtion, The Cross, Violence, Judgement, Master Servant, Life Death, Old Testament, Exposed, Music, Education, Great Tribulation, Top Bible Verses, Bible Topic Prayer, Evangelicalism, bible study, Word of God, scripture, scriptures, Matthew Henry's biblical commentary, bible commentary, Matthew Henry commentary, God's Word, Matthew Henry, studying the Bible, understanding the Bible, God, Father, Son, Holy Spirit, Spiritual, Hope, Jesus Answers Prayer, Answers to Prayer, Prayer, Pray, God Answers Prayer⚠️ Support our ministry: https://ko-fi.com/jesusanswersprayers❓️ How does this chapter apply to you?

O sindicalista Arménio Carlos considera que António Filipe tem margem para ir além do eleitorado PCP. Ainda, Marisa Matias rejeita divisões que prejudiquem a esquerda e realça um "debate cordial".See omnystudio.com/listener for privacy information.

In this powerful episode of A Shot in the Arm podcast, host Ben Plumley discusses the state of the HIV/AIDS epidemic in the United States under a hostile federal government with Dr. Tatyana Moaton, the Director of Strategic Innovation and Partnership at the San Francisco Community Health Center. Dr. Moaton unpacks the systemic challenges faced by the trans community, healthcare disparities, the significant threats posed by current federal policies, and the urgent need for advocacy and coalition building. Dr. Moaton's insights and lived experiences highlight the relentless fight for trans rights, healthcare equity, and the importance of acknowledging humanity in healthcare decisions. Join us for an eye-opening conversation about innovation, equity, and the resilience required to confront these pressing social issues. 00:00 Introduction to the Podcast and Today's Topic 01:21 Personal Disclosure and Health Update 02:13 Introducing Dr. Tatyana Moaton 03:02 Dr. Moaton's Background and Journey 04:43 San Francisco Community Health Center's Mission 07:13 Trans Thrive Program and Services 10:03 Challenges Faced by Trans Communities 25:27 Violence Against Trans Women 26:42 Systematic Erasure and Advocacy 29:43 Contradictions in Gender Affirming Care 33:06 A Harrowing Story from the Ballroom Community 33:51 The Impact of Federal Policies on Trans Services 36:57 Executive Orders and Community Health Center's Response 37:50 Navigating Federal Funding Restrictions 39:03 The Importance of Gender Affirming Care 40:57 Challenges and Misconceptions Around Trans Rights 53:19 ICE and Immigration Issues 57:09 The Fight for Trans Rights and Community Support 01:02:38 Call to Action and Conclusion Join the Conversation! How do you see the future of global health unfolding? Share your thoughts in the comments! Visit and Support the San Francisco Community Health Center https://www.sfcommunityhealth.org https://www.facebook.com/SFCommunityHealth https://www.instagram.com/sfcommunityhealth https://youtube.com/@sfcommunityhealth https://bsky.app/profile/sfcommunityhealth.bsky.social https://www.linkedin.com/company/1387878 Read Emily Bass' Substack: https://substack.com/@emilysbass Check Out Ben's Substack: https://substack.com/@benplumley1 Subscribe & Stay Updated: Listen on Spotify, Apple Podcasts, or your favorite podcast platform. Watch on YouTube & subscribe for more in-depth global health.

If we had a crystal ball, we'd all like to know what the housing market will do. However, we do know that rates have dropped in the last 8 to 12 months, in some cases saving people a whole percent! Nate Reineke and Chelsea Jones break down why it may be beneficial to refinance even if you bought within the last year or if you have an ARM. We also discuss when it may be smart to move to a 15-year mortgage or buy points up front to have a lower rate. We also answer your colleagues' questions. An oncologist in Oklahoma says, “I received an unexpected bonus from work that we did not work into our original financial plan. I could see us either investing it in our brokerage account or putting it into a 529. What are your thoughts?” An OBGYN in Florida asks, “I know estate planning is something I need to do, and I have heard about a trust, but I don't know much beyond that. Can you tell me how it works?” A Urologist in Oregon says, “We are retired and want to upgrade our house, but we don't have the cash, so we would need to take money out of our brokerage account or sell our rental property to buy the new house - should we do it?” Are you ready to turn worries about taxes and investing into all the money you need for college and retirement? It's time to make a plan and get on track. To find out if we're a match visit physicianfamily.com and click get started or, you can ask a question of your own by emailing podcast@physicianfamily.com. See marketing disclosures at physicianfamily.com/disclosures

Keywords: Genesis,Book of Genesis,Revival, Character Of God,Free Sermons, Video Sermons, Jesus Christ, What Is The Gospel, Sermon Index, What Is The Truth, kjv bible, Audio Bible, Bible, God, God's Love, Scriptures, Holy Bible, Prophets, Apostles, KJV, Jesus,Christ, audiobook, book, holy life, love, bible verses, king james bible audio, audio bible KJV, king james bible online audio, bible audio, online bible kjv, audio bible kjv, daily bible verse, bible verse of the day, KJV audio, Remastered, Best Version, Jesus Christ, Holy Spirit, Holy Ghost, The Chosen, Salvation, Saved, Christian, Suffering Servant, Arm of the Lord, Plants Roots, Despised Rejected, Sorrows, Peace War, Crucifixtion, The Cross, Violence, Judgement, Master Servant, Life Death, Old Testament, Exposed, Music, Education, Great Tribulation, Top Bible Verses, Bible Topic Prayer, Evangelicalism, bible study, Word of God, scripture, scriptures, Matthew Henry's biblical commentary, bible commentary, Matthew Henry commentary, God's Word, Matthew Henry, studying the Bible, understanding the Bible, God, Father, Son, Holy Spirit, Spiritual, Hope, Jesus Answers Prayer, Answers to Prayer, Prayer, Pray, God Answers Prayer⚠️ Support our ministry: https://ko-fi.com/jesusanswersprayers❓️ How does this chapter apply to you?

(00:00) Introduction to Arm and Vince Jesaitis(03:46) The Future of AI and Edge Computing(11:22) Government Relations and AI Literacy(16:56) Security and Privacy in Emerging Technologies(23:18) Navigating Global Regulations and Standards(27:40) Sustainability and Efficiency in Technology(34:56) Looking Ahead: Trends in AI and Technology(42:36) Career Reflections and Advice for Students This episode is part of a series brought to you by Arm to show how the future of AI is being built today, from the chips powering it to the people shaping it. To go deeper, read Arm's new AI Readiness Index and see where the world stands on adopting and scaling AI. Enjoyed listening? Want to read more? Check out the links below:Arm's AI Readiness Index technical report written with WevolverArm's "Smarter At The Edge" whitepaper written with SCSPArm's Global Public Policy websiteFollow Vince Jesaitis on LinkedIn Become a founding reader of our newsletter: http://read.thenextbyte.com/ As always, you can find these and other interesting & impactful engineering articles on Wevolver.com.

Keywords: Genesis,Book of Genesis,Revival, Character Of God,Free Sermons, Video Sermons, Jesus Christ, What Is The Gospel, Sermon Index, What Is The Truth, kjv bible, Audio Bible, Bible, God, God's Love, Scriptures, Holy Bible, Prophets, Apostles, KJV, Jesus,Christ, audiobook, book, holy life, love, bible verses, king james bible audio, audio bible KJV, king james bible online audio, bible audio, online bible kjv, audio bible kjv, daily bible verse, bible verse of the day, KJV audio, Remastered, Best Version, Jesus Christ, Holy Spirit, Holy Ghost, The Chosen, Salvation, Saved, Christian, Suffering Servant, Arm of the Lord, Plants Roots, Despised Rejected, Sorrows, Peace War, Crucifixtion, The Cross, Violence, Judgement, Master Servant, Life Death, Old Testament, Exposed, Music, Education, Great Tribulation, Top Bible Verses, Bible Topic Prayer, Evangelicalism, bible study, Word of God, scripture, scriptures, Matthew Henry's biblical commentary, bible commentary, Matthew Henry commentary, God's Word, Matthew Henry, studying the Bible, understanding the Bible, God, Father, Son, Holy Spirit, Spiritual, Hope, Jesus Answers Prayer, Answers to Prayer, Prayer, Pray, God Answers Prayer⚠️ Support our ministry: https://ko-fi.com/jesusanswersprayers❓️ How does this chapter apply to you?

Pour la dernière grande journée de son événement annuel AWS re:Invent, Amazon Web Services a levé le voile sur une annonce stratégique : l'arrivée de Graviton5, son tout nouveau processeur maison. Une puce ARM de cinquième génération, gravée en 3 nanomètres, embarquant… 192 cœurs. Un monstre de calcul, pensé pour bouleverser l'équation performance-prix du cloud.AWS ne s'en cache pas : le pari Graviton est déjà un succès. Plus de la moitié des nouvelles capacités de calcul de la plateforme reposent désormais sur cette architecture, et près de 90 % des 1 000 plus gros clients EC2 utilisent déjà ces processeurs. Avec Graviton5, Amazon ne se contente plus d'optimiser : il change d'échelle. Cette nouvelle génération marque un véritable saut technologique. En concentrant 192 cœurs sur une seule puce, Amazon augmente considérablement la densité de calcul. Résultat : les échanges entre cœurs sont 33 % plus rapides. Le cache L3, cette mémoire ultra-rapide essentielle aux performances, a été multiplié par cinq. Chaque cœur dispose ainsi de 2,6 fois plus d'espace immédiat que sur Graviton4. Concrètement, cela accélère fortement les bases de données, l'analyse de données massives, mais aussi les jeux en ligne ou les services temps réel.Côté réseau, les progrès sont tout aussi notables : +15 % de bande passante en moyenne, jusqu'à un doublement sur les instances les plus puissantes. L'accès au stockage cloud progresse aussi de 20 %. Graviton5 promet au total 30 % de performances supplémentaires et 20 % de latence en moins par rapport à la génération précédente. La gravure en 3 nm, l'une des plus avancées du marché — dominée par TSMC, Samsung et Intel — permet d'augmenter la puissance tout en réduisant la consommation. Un point crucial à l'heure où les data centers pèsent de plus en plus lourd dans la consommation électrique mondiale. AWS va même jusqu'à refroidir directement la puce, sans boîtier intermédiaire.Autre avancée majeure : la sécurité. Avec le Nitro Isolation Engine, AWS ne se contente plus d'affirmer l'isolation des données… il en apporte une preuve mathématique. Une garantie très recherchée par les banques, les hôpitaux et les administrations. Les premiers retours sont enthousiastes. Airbnb gagne 25 % sur ses moteurs de recherche. Atlassian observe 30 % de rapidité en plus sur Jira. SAP annonce même jusqu'à 60 % d'accélération sur ses bases de données. Les premières instances EC2 M9g sont déjà disponibles en test. Les déclinaisons C9g et R9g, dédiées au calcul intensif et à la mémoire, arriveront en 2026. Hébergé par Acast. Visitez acast.com/privacy pour plus d'informations.

Conservatism's Long Coming Reckoning With Homosexuality*MINISTRY SPONSORS:*Armored RepublicWe make Tools of Liberty for the defense of every free man's God-given rights: Arm yourself with body armor and a plate carrier of your choosing; build your setup with accessories, equip yourself with an armored backpack.https://www.ar500armor.com/Gray Toad TallowGray Toad Tallow's handcrafted balms made from grass-fed, grass-finished tallow help heal real skin issues like dryness and psoriasis. Explore their sample pack and save 15% with code RIGHT15 at https://www.graytoadtallow.com/Genesis Gold GroupFaith-Based Gold IRA: Genesis Gold Group helps Christians protect their retirement with physical precious metals aligned with scriptural stewardship principles.https://www.RightResponseBibleGold.comBackwards Planning FinancialWant to build a financial legacy for your family with a plan that starts at the end goal? Connect with Joe Garrisi at https://backwardsplanningfinancial.nm.com/ to get help with a legacy-driven strategy for your future.Freddy MediaUnlock exclusive access to a highly engaged audience and elevate your brand through impactful sponsorship opportunities with Right Response Ministries. Simply click the link below to provide some basic information and Freddy Media will reach out to discuss how to tailor a partnership that drives real results.https://91znn6hr1aa.typeform.com/joelwebbon

Welcome back to the Linux For Everyone podcast! In the first of several new interviews, I'm joined by Graham Morrison of Late Night Linux for an organic conversation about Valve, VR, Linux, and ARM! Does FEX + Proton spell the end of native Linux ports? Does Valve have too much control in the Linux gaming space? Will we ever get a good Linux phone? And when will Graham serenade us with his synth stylings? This and much more coming up! Useful Links: Linux For Everyone on YouTube: https://youtube.com/LinuxForEveryone Late Night Linux: https://latenightlinux.com NEW Theme Song by Baseball Bat: https://baseballbat.bandcamp.com/track/brain-dead FEX: https://github.com/FEX-Emu/FEX New L4E Merch: https://l4e.store Follow Jason on Mastodon: https://layer8.space/@killyourfm Follow Graham on Mastodon: https://fosstodon.org/@degville The Verge Interview: https://www.theverge.com/report/820656/valve-interview-arm-gaming-steamos-pierre-loup-griffais Questions? Comments? Suggestions? Send an email to letters@linuxforeveryone.net.

Keywords: Genesis,Book of Genesis,Revival, Character Of God,Free Sermons, Video Sermons, Jesus Christ, What Is The Gospel, Sermon Index, What Is The Truth, kjv bible, Audio Bible, Bible, God, God's Love, Scriptures, Holy Bible, Prophets, Apostles, KJV, Jesus,Christ, audiobook, book, holy life, love, bible verses, king james bible audio, audio bible KJV, king james bible online audio, bible audio, online bible kjv, audio bible kjv, daily bible verse, bible verse of the day, KJV audio, Remastered, Best Version, Jesus Christ, Holy Spirit, Holy Ghost, The Chosen, Salvation, Saved, Christian, Suffering Servant, Arm of the Lord, Plants Roots, Despised Rejected, Sorrows, Peace War, Crucifixtion, The Cross, Violence, Judgement, Master Servant, Life Death, Old Testament, Exposed, Music, Education, Great Tribulation, Top Bible Verses, Bible Topic Prayer, Evangelicalism, bible study, Word of God, scripture, scriptures, Matthew Henry's biblical commentary, bible commentary, Matthew Henry commentary, God's Word, Matthew Henry, studying the Bible, understanding the Bible, God, Father, Son, Holy Spirit, Spiritual, Hope, Jesus Answers Prayer, Answers to Prayer, Prayer, Pray, God Answers Prayer⚠️ Support our ministry: https://ko-fi.com/jesusanswersprayers❓️ How does this chapter apply to you?

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- Perrito de se metió solito a una campaña de esterilización - Influencer que fue criticada por arrebatarle un wombat a su madre fue arrestada en Wyoming por presuntas infracciones de caza - Cae abuelita que lanzó a un perrito desde un balcón - Hallan raro tiburón megaboca en playa de Negritos, residentes lo cocinan - Un hombre se disfrazó de su madre fallecida para cobrar su pensión - Armó fiesta en motel y el jacuzzi lo mandó a dormir para siempre - Tapón humano crea peligrosa congestión a la entrada de un templo en la India - Regresa Bisonte a Coahuila: Liberan 44 Ejemplares en Reserva Ecológica en Cuatro Ciénegas - Pareja mete trompo de pastor a sala de cine, se viraliza en TikTok y Cinépolis lanza épica respuesta - Muere adolescente por “broma": le introdujeron aire a presión en el recto - Japón inventa la lavadora humana - Juez que exoneró a Gloria Trevi no tenía cédula profesional - Hombre murió atacado por una leona tras invadir su jaula en un zoológico de Brasil También puedes escucharnos en Youtube, Spotify, Apple Podcasts, Amazon Music o tu app de podcasts favorita. Apóyanos en Patreon: https://www.patreon.com/leyendaspodcast​ Apóyanos en YouTube: https://www.youtube.com/c/leyendaslegendarias/join Síguenos: https://instagram.com/leyendaspodcast​ https://twitter.com/leyendaspodcast​ https://facebook.com/leyendaspodcast​ #Podcast​ #LeyendasLegendarias​ #HistoriasDelMasAca

- Perrito de se metió solito a una campaña de esterilización - Influencer que fue criticada por arrebatarle un wombat a su madre fue arrestada en Wyoming por presuntas infracciones de caza - Cae abuelita que lanzó a un perrito desde un balcón - Hallan raro tiburón megaboca en playa de Negritos, residentes lo cocinan - Un hombre se disfrazó de su madre fallecida para cobrar su pensión - Armó fiesta en motel y el jacuzzi lo mandó a dormir para siempre - Tapón humano crea peligrosa congestión a la entrada de un templo en la India - Regresa Bisonte a Coahuila: Liberan 44 Ejemplares en Reserva Ecológica en Cuatro Ciénegas - Pareja mete trompo de pastor a sala de cine, se viraliza en TikTok y Cinépolis lanza épica respuesta - Muere adolescente por “broma": le introdujeron aire a presión en el recto - Japón inventa la lavadora humana - Juez que exoneró a Gloria Trevi no tenía cédula profesional - Hombre murió atacado por una leona tras invadir su jaula en un zoológico de Brasil También puedes escucharnos en Youtube, Spotify, Apple Podcasts, Amazon Music o tu app de podcasts favorita. Apóyanos en Patreon: https://www.patreon.com/leyendaspodcast​ Apóyanos en YouTube: https://www.youtube.com/c/leyendaslegendarias/join Síguenos: https://instagram.com/leyendaspodcast​ https://twitter.com/leyendaspodcast​ https://facebook.com/leyendaspodcast​ #Podcast​ #LeyendasLegendarias​ #HistoriasDelMasAca

Ir pagājušas divas nedēļas, kopš Saeima viņu vienbalsīgi ievēlēja amatā. Krustpunktā izvaicājam jaunievēlēto ģenerālprokuroru Armīnu Meisteru. Jautājumus kopā ar raidījuma vadītāju uzdod aģentūras LETA žurnālists Gatis Kristovskis un Latvijas TV žurnāliste Linda Spundiņa.  

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KDE Plasma is finally moving on from X11, Tuxedo Computers abandons their Arm laptop project, Mozilla completely loses the room, but there might be a glimmer of hope. News Going all-in on a Wayland future Help us reach the inflection point Discontinuation of ARM Notebook with Snapdragon X Elite SoC Linux Device Trees For Cancelled Products? Don’t “Waste Time” Rewiring Mozilla: Doing for AI what we did for the web Mozilla's ‘Rewiring’ to AI – Saving the Web or Saving Itself? Servo Announces Sponsorship Tiers To Get More Organizations Backing This Browser Engine Tailscale Tailscale is an easy to deploy, zero-config, no-fuss VPN that allows you to build simple networks across complex infrastructure. Go to tailscale.com/lnl and try Tailscale out for free for up to 100 devices and 3 users, with no credit card required. Use code LATENIGHTLINUX for three free months of any Tailscale paid plan. Support us on patreon and get an ad-free RSS feed with early episodes sometimes See our contact page for ways to get in touch. RSS: Subscribe to the RSS feeds here

KDE Plasma is finally moving on from X11, Tuxedo Computers abandons their Arm laptop project, Mozilla completely loses the room, but there might be a glimmer of hope. News Going all-in on a Wayland future Help us reach the inflection point Discontinuation of ARM Notebook with Snapdragon X Elite SoC Linux Device Trees For Cancelled Products? Don’t “Waste Time” Rewiring Mozilla: Doing for AI what we did for the web Mozilla's ‘Rewiring’ to AI – Saving the Web or Saving Itself? Servo Announces Sponsorship Tiers To Get More Organizations Backing This Browser Engine Tailscale Tailscale is an easy to deploy, zero-config, no-fuss VPN that allows you to build simple networks across complex infrastructure. Go to tailscale.com/lnl and try Tailscale out for free for up to 100 devices and 3 users, with no credit card required. Use code LATENIGHTLINUX for three free months of any Tailscale paid plan. Support us on patreon and get an ad-free RSS feed with early episodes sometimes See our contact page for ways to get in touch. RSS: Subscribe to the RSS feeds here

Under bägge världskrig lockades hundratals svenskar att strida för Tyskland. Vi undersöker vad som drev dem att kämpa för järnkorset. Lyssna på alla avsnitt i Sveriges Radios app. Redan under första världskriget stred svenskar på tysk sida i västfrontens skyttegravar, i Mellanösterns öknar och i Ukrainas lera. Under andra världskriget lockades svenskar till Waffen-SS för att kämpa för Tredje Riket. Vi bekantar oss med några av dessa frivilliga som nu kartlagts av militärhistorikerna Lars Gyllenhaal och Lennart Westberg i boken ”Svenskar under järnkorset”.På plats på Armémuseet i Stockholm letar Tobias Svanelid och Urban Björstadius efter spåren av svenskarna som under världskrigen stridit och i många fall dött för Tyskland, och försöker förstå vad som motiverat dem.

Keith discusses seven ways to get a lower mortgage rate, emphasizing the historical impact of the 1940s GI Bill on homeownership and wealth creation.  Caeli Ridge, founder of Ridge Lending Group, digs into smart tactics like adjustable rate mortgages, DSCR loans, and down payment options, plus insider tips on boosting your creditworthiness, timing your rate lock, and planning ahead so you can maximize your returns.  They also explore trends like 50-year mortgages and portable mortgages, and the benefits of FHA and VA loans for first-time buyers.  Resources: Want expert guidance on your next real estate investment or mortgage? Reach out to Ridge Lending Group for personalized support and a full range of loan options—whether you're a first-time buyer or seasoned investor. Visit ridgelendinggroup.com or call 855-74-RIDGE to take your next step! Episode Page: GetRichEducation.com/582 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com or text 'GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Welcome to GRE. I'm your host. Keith Weinhold, seven ways you can get a lower mortgage interest rate. We'll break them down loan types available to you that you never heard of, and learn how the 1940s GI Bill shaped the mortgage that you get today on get rich education   Speaker 1  0:22   Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors, and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki. Get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com   Corey Coates  1:07   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education. You Keith,   Keith Weinhold  1:23   welcome to GRE from the Romanian Black Sea to the Egyptian Red Sea and across 188 nations worldwide. I'm Keith Weinhold, and this is the indefatigable get rich education before we discuss the seven ways that you can get a lower mortgage rate and more in the 1940s before my dad was born, the GI Bill gave veterans returning from World War Two access to cheap home loans, and that single policy decision might have done more to shape the modern American Housing landscape than Anything else in the last 100 years. Think about it, millions of young men, almost kids, really had just spent the better part of their early adulthood in Europe or the Pacific. They came home, married their sweethearts, started families, and suddenly America had this booming demand for housing, but demand alone doesn't build homes. You also need money. You need access to credit, and that's where the GI Bill stepped in. It didn't just thank returning service members for their sacrifice. It handed them something way more powerful, the ability to buy a home with little money down a low interest rate and underwriting standards that would frankly look like a fantasy today, that access to credit sparked one of the biggest housing booms in American history. You had these entire suburbs that sprang up overnight, Levittown in New York, Lakewood in California. These were master planned communities, and they really became a blueprint for Post War America. We had the booming 50s, and this had a lot to do with it. Here's the part that most people don't understand. This wasn't just about housing. This was about wealth creation, because for better or worse, home ownership has been the primary wealth building vehicle for the American middle class these past 100 years, when you give millions of people a subsidized path into property ownership, you're not just giving them a roof. You're giving them equity appreciation, leverage, tax benefits. You're giving them the engine, this flywheel that spins up generational wealth in a lot of ways. The GI Bill is the earliest institutional example of what I at least tell you here on the show, real estate pays five ways. Now they didn't call it that in 1947 but that's exactly what it was. Veterans earned appreciation as suburbs grew. They had amortization working for them, they collected tax advantages. Inflation slowly eroded their fixed rate mortgage balances too. And here's the thing, these weren't even speculative investments. They were homes that they lived in. Now, of course, the GI bill wasn't perfect. It expanded opportunity for millions of people, but it excluded a lot of people too. Lenders and local governments often blocked black veterans and other minorities from accessing the same benefits. That's a whole story unto itself, but the takeaway for today is, when you combine demographic momentum with favorable financing, you can remake a nation, and that's why housing policy still matters today, which we'll get. Two shortly, when you change access to credit or just tweak it, you change the trajectory of families and markets for generations, and the GI Bill proved that. So when we talk about interest rates, affordability, supply shortages, or any of the high frequency housing data that we cover here, remember that the stories aren't just about numbers. They really are about people. They're about giving ordinary Americans the chance to build wealth the same way that those World War Two veterans did through ownership, stability and the quiet compound leverage, not compound interest. Compound leverage that real estate delivers over time.    Keith Weinhold  5:49   I'm bringing you today's show from, I suppose, a somewhat exotic location. I am inside Caesar's Palace, which is right near the very middle of the famed Las Vegas Strip, that's where I'm at. The hotel staff is always accommodative of the show setup. This might seem a little strange to you, because I'm not a gambler. The reason I'm here is that my brother lives 25 minutes away, and I've been with him during Thanksgiving. Next week, I'll bring you the show from Buffalo, New York, and then two weeks from now, I have something heart warming to tell you about that, and it is a real estate story. I'll be broadcasting the show from upstate Pennsylvania. I'll be there to visit my parents. My brother's also coming in from Nevada to be there. That's where the four of us, mom, dad, my brother and I will sit around the same dining room table in the same kitchen of the same home that my parents have lived in since the 1970s nothing has changed, and all four of us know our spots at the table. And actually, it's not even called the dining room table. It is the supper table, as my parents call it so, from flashy Caesar's Palace today to Buffalo and then to Appalachian simplicity in Pennsylvania, the stability and continuity of my parents living in the same home and four wine holds sitting around the table during the holidays, it is so rare. I imagine less than one or 2% of people can do this. I'm just profoundly grateful and proud of Kurt and Penny Weinhold for being the best, most stable parents I could have asked for. It's almost too much to ask, and if you don't have that in your life. Ah, you can do something about that. You can provide the same decency and stability for your children.    Keith Weinhold  7:50   Let's talk about seven proven ways you can get a lower mortgage rate with this week's terrific guest. Though, we'll focus on investment properties. A lot of this applies to primary residences as well.   Keith Weinhold  8:07   We are joined by the founder of the lender that's created more financial freedom for real estate investors than any other mortgage originator in the nation, the eponymous Ridge lending group. And though that sounds impressive, my gosh, she didn't even need that introduction for you the listener, because she's one of the most recurrent guests in show history. Welcome back to GRE Caeli Ridge,   Caeli Ridge  8:30   I am delighted to be here as always, Keith, thank you for your support and acknowledgement. I love what you do, and I'm hoping that I can bring more value today to your listeners in what it is that we do, educating the masses, right?   Keith Weinhold  8:42   You've been doing that here for about 10 years. And yes, we're talking about a woman with a reputation for writing emails in all caps, yet still maintains a great relationship with everybody. I mean, congrats, shaile. I couldn't possibly pull that off myself.   Caeli Ridge  8:58   Thank you, Keith. And you know, I'm going to stay by my all caps, man, it's a speed thing. It all boils down to the number of seconds in the day that I can just move quickly through an email. Yeah, I love my all caps.   Keith Weinhold  9:09   Apparently recipients are still replying, well, you can get a lower mortgage rate in at least seven ways. You can get an adjustable rate mortgage, do a midweek lock in, negotiate seller credits. Have a high credit score. Do a two one buy now, which is kind of old school, but some home builders are using it boost your DTI or buy now, not later. Those are some of the strategies for lowering your mortgage rate. What are your thoughts with regard to that?   Caeli Ridge  9:39   I think all of those are viable. I would just say on the adjust for a mortgage. The pushback I would give there is, is that for residential property, specifically, single family, up to four units, we are not finding that spread between the arm and a 30 year fix. We've been the industry as a whole, secondary specifically been on the inverted yield. Now this gets a little tough. Nickel, and I won't go down that rabbit hole, but 08, 09, the housing and lending crash created an environment within secondary markets where an inverted yield has made a 30 year fixed mortgage more favorable in the rate department. Now that's not always going to be the case. I am a huge fan of the adjustable, but what would work right now is an adjustable with the all in one not to take too much time on that topic, but that would be an adjust rate mortgage that I think would save interest or reduce the rate of which interest is accruing,   Keith Weinhold  10:30   the all in one loan, which we discussed extensively back at the beginning of this year here on the show. Long term, though, I have seen adjustable rate mortgages work for a lot of people, because really, the compelling proposition of the arm is that it guarantees that you get a lower rate in the near term, and yet there's only a chance that you're going to have a higher rate in the long term   Caeli Ridge  10:53   and further. Let's I mean, let's dissect that a little bit. I am a huge proponent. I love an adjustable rate mortgage when the arm is pricing a half or a full percentage point plus over a fixed especially for non owner occupied and the reason for that is, and this is statistically speaking, feel free to look this up, guys, the average shelf life of a mortgage for an investment property is about five years. Great point, right? And we know that if that's the case, right, we're refinancing to harvest equity. We're refinancing maybe to reduce an interest rate from where the market was before, et cetera, et cetera. So that would be the first thing I would say. And then also remember, you guys the first 10 years of an amortized mortgage, 30 year fixed, amortized mortgage, how much of that payment is going to the principal? Because people will often push back by saying, well, either an interest only, or an adjustable and what happens if it changes or it goes up? Most of your payment is going to the interest anyway, and that reset to harvest equity. Borrowed funds are non taxable. We always say that, right? I think it's fully justified. So I love an arm, I just don't know, in comparison to a 30 year fixed today, like a five year ARM versus a 30 year fixed we are in a place that it makes sense, but normally, to your point, absolutely. Fan   Keith Weinhold  12:06   that spread needs to widen for the arm to make more sense. What about doing a mid week rate lock in? Is that a thing?    Caeli Ridge  12:13   Yeah. And you know, I don't have any empirical evidence here. Okay, I don't have any data points that actually prove this, except for 25 years in the business and locking loans every day of my life. There's something about a Monday and a Friday. And I have some conspiracy theories. I don't know that. I it's necessary to share them here, but midweek locks tend to be more favorable in both points and interest rate than you'll find on a Friday and a Monday. I think largely it has to do with, you know, the stock exchanges shutting down for the weekend, right? You got a Friday, you got two days in between. You got foreign markets, and all the things that can explode and happen during that amount of time. So I think they hedge a little bit. So on Friday, going into the weekend, I think that there's something about that and why interest rates are a little less favorable. And then Monday, of course, coming off the weekend, similarly, maybe there's some truth to that too.   Keith Weinhold  13:02   Now, negotiating seller credits has really been a trend to help with affordability. Tell us about specifically what you're seeing there, what's common.   Caeli Ridge  13:11   So we're talking to investors. I can tell you that the loan products you guys are going to have access to are going to cap you, okay, you're going to cap at, per guideline, 2% of the purchase price. Okay, remember that your points that you're paying when you get into locking an interest rate are going to be calculated on the loan size, all right. So the first thing to know is seller paid closing costs, maximum is going to be 2% per underwriting guidelines. That 2% is based on your purchase price. Anything that you're paying points for is going to be on the loan balance, the loan size, so there's going to be a little extra there for you that can contribute or can pay for some other closing costs, right, depending on the numbers. Now, if you're smart enough, or lucky enough, or whatever, the market is viable enough that you can negotiate more than 2% from the seller to pay towards closing costs, you're going to be limited on what you can do on the loan side. But let's say that you go and you've negotiated 4% seller will pay 4% towards your closing costs. Then in that case, you can reduce, you got the two points that you're allowed per guideline. And then you can reduce the purchase price by the difference you don't want to leave that money on the table.   Keith Weinhold  14:15   That's how it's done. And then there's just simply having a higher credit score. What's the highest credit score that really helps you get the lowest mortgage rate for both primary residences and non owner occupied properties. Loan product   Caeli Ridge  14:29   type dependent. But I would say overall, 760 and above is kind of that threshold. There are products that go 780 maybe even on the rare occasion, 800 and above. If I had to pick a number as the absolute pinnacle, I'm going to go 780    Keith Weinhold  14:41   All right, so having a credit score above those thresholds really doesn't help get you a lower interest rate. It's really just a little flex that you've got an 811, credit score, or whatever it is. Now the two, one buy down. That's something that we used to see long ago. A few home builders are bringing it back. And what that does it allow? Homebuyers to pay a lower interest rate for the first two years with the seller covering the difference, and that allows the seller to get their price. They don't have to lower the price of the home at all. But the two one buy down, and you see that written, two, one that has been employed more recently. Tell us about that.    Caeli Ridge  15:18   Well, the builders are struggling in some cases, right? The affordability buzzword is all over the place. So they've had to get creative and find ways in which they can move their inventory. So I think they've done a good job at kind of shaving off some of their margins to satisfy or improve the terms for the consumer. So I like the two. One, if you can get it   Keith Weinhold  15:37   now, one can boost their DTI as well their debt to income ratio and Taylor. When we've talked about that before, we've usually talked about reducing your debts in order to improve your DTI. However, a lot of people don't think about the fact that, oh, well, you can increase your income that lowers your DTI to help you qualify. So tell us what is the max DTI that you can have   Caeli Ridge  16:00   maximum debt to income ratio, in most cases on a full dock loan is going to be 50% now, depending on the type of income that you earn or that you've demonstrated, how you calculate that can get a little bit tricky. But if you're just a straight w2 wage earner, we don't have, you know, commissions or bonuses or anything that we consider variable income, then you just take your gross income times 50% whatever that number is, all of your liabilities on the credit report, we do not count ordinary living expenses like food and gas and utilities and cell phone bills. It's the minimum payments on the credit report. As long as whatever that add up is fits within that 50% you're good to go.    Keith Weinhold  16:37   Now, when it comes to improving our DTI to get a lower mortgage rate, I tend to think it's easier to knock out some debts to improve your DTI. But what about the other side of it? What about increasing your income to improve your DTI, lower your mortgage rate and qualify? Can you talk about some of the strategies for increasing your income with respect to DTI?    Caeli Ridge  17:02   Absolutely. And the biggest one, I think that we probably want to focus on most is going to be on a schedule E, right? That's the one that you're going to have more control over. So when we talk about rental income and how we might be able to boost that first, it might be important to share that there are two ways in underwriting that we will calculate or quantify rental income. The first way is called the acquisition year formula. I'll give you that in just a second. It's very easy, but the way I think we focus on here, because acquisition year is going to be what it is, you're going to have very little ability to manipulate or change that once our rental properties fall on our tax return, specifically the Schedule E of a federal tax return, you as the taxpayer or the borrower are going to have some access to maximize or increase the income, or, let's actually get a little bit more granular there to maximize the gain or minimize the loss, by means of depreciation, maybe a cost seg, maybe we make sure that one time, extraordinary expenses are demonstrated on the tax return in the appropriate way so that underwriting can add those things back. So I know that this sounds technical, but the scheduling is the way that I would say is the easiest for an investor to maximize income, reduce debt to income ratio. And I will close by saying that ridge lending, I think one of our most valued value adds is the ability to help our clients look at their draft tax returns on an annual basis and present them with, Hey, listen, Mr. Jones, if you file this way, this draft tax return, if it files this way, this is what it means to your debt to income ratio. Here's my advice, right? We go into a lot of depth there with our clients.   Keith Weinhold  18:39   That is a smart, long term planning piece that most mortgage companies are not going to give you. They're not going to be forward looking, looking out for your next three years of growing your income property portfolio. And shortly, we'll talk about a way for you to qualify loans where you don't have to show tax returns or W twos or pay stubs. But while we're talking about how to get a lower mortgage rate and some creative ways to do that, I brought up, buy now, not later. And what do I mean by that? What I mean is say, properties appreciate even 3% over time. Buying now, I mean that is going to net you more equity if you buy now rather than waiting, than it would in the savings from a rate drop, when you look at the appreciation run up, however, if rates go up, then you get both the lower price and the lower rate by buying now, not later.   Caeli Ridge  19:32   And I would add to that, we have to remember that in addition to a very modest 3% in the home appreciation, we should be appreciating our rents at even a modest 2% a year, right? Depending on where you are, et cetera. I know that there's exceptions to the rule. And then finally, we got to add in that tax benefit, what you're going to get in your deductions, et cetera, et cetera.   Keith Weinhold  19:51   Yeah, great point. Well, I brought up seven ways that you can get a lower mortgage rate. Can you share a few more with us? Some common ones? Because I know. That almost everyone that calls in there wants to inquire about mortgage rate as well.    Caeli Ridge  20:03   Everybody wants, yep, everybody wants to talk about the rate, despite my vervet opposition to say, do the math. Do the math. Do the math. You know, the easiest one there would be buying down the rate. I'm going to try and formulate an example. Let's say you've got a really high wage earner and in the thick of their earning years, and they're trying to prepare for retirement down the road. It's a longer term burn. They desperately need tax deductions, and the deal that they're looking at, yeah, it's okay, but they want some extra expenses on the Schedule E, maybe they buy the rate down by three even 4% because points on an investment loan transaction are tax deductible, so that might be something, and they obviously benefit from the lower interest rate. Now I may push back on this, and I think again, I know I sound like a broken record here, but we really need to do the math. What are we getting versus what are we giving up to get a 6% or five and a half percent interest rate? What does that mean in real, tangible cost, and what's that? Break even? It's actually a fairly simple calculation. When you just divide the difference in what you're getting versus what you're paying for, and that'll give you the number of months that it takes to recapture the incentive versus the expense. But that would be the easiest one. Keith, I would say buying down points, using paying additional points to get that lower interest rate,   Keith Weinhold  21:20   buying down your rate. It could feel good in the short term, but it's often not the best long term or even intermediate term move when you do the math, as you always like to say, well, you the listener here, you know that you can qualify for mortgage loans, for rental properties without needing a w2 without needing a pay stub and without even needing to show tax returns, because you need all those things for a conventional loan, but for a DSCR loan, debt service coverage ratio, you don't. So talk to us about the pros and cons of a DSCR loan versus a conventional   Caeli Ridge  21:53   loan. Okay? And I've got a hook here too, because I think the listeners are gonna be very, very pleased to hear at the end of this statement, what's happening with DSCR in conjunction or comparison, rather to the conventional so DSCR everybody means debt service, coverage ratio. It's a very simple formula. We are going to take the gross rents and divide it by the principal and interest and taxes and insurance and association. If it applies, that's it.   Keith Weinhold  22:18   $1,000 in gross rents, $800 in p i, t i, that yields a DSCR of 1.25 Correct?   Caeli Ridge  22:25   Yes, you're absolutely right. The one that I use as I, just to keep it simple, is 1000 rents, 1000 piti. That's a 1.0 right? As long as the gross rents are equal or greater than the p i, t i, you're going to be in a position to get the more favorable rates. Now that's not to say that we can't go below a 1.0 ratio. You can actually have a property, we have products that will allow the DSCR to be a point seven five. That would mean, in this scenario, if you had rents, gross rents of 750, and the piti was 1000 you can actually get that loan done. That is allowed. The rate gets a little bit hairy. So more often than not, we're at the 1.0 and above. So this is just a really great way for investors who are either recently self employed, maybe they're adjusted gross, they just write everything off for reasons that you can imagine. Why? Right? They don't want to pay the taxes. It could be 100 different reasons. The DSCR option is such a great solution to provide a 30 year fixed mortgage same same similar leverage, if not sometimes even better than a Fannie Freddie, than a conventional loan, you can usually leverage a little bit more, in some cases, on a DSCR like a two to four, for example, two to four unit residential property, Fannie Freddie, they kind of cut those loan to values a little bit, and the DSCR loans don't care about that. So you can get the same leverage as a single family would in a DSCR. The only other primary difference is these DSCR loans are going to come with prepayment penalties. Typically, the standard is about three years, but we're usually not refinancing in the first 36 months. Anyway, if you know that that's applicable to you, then you'd have to buy the prepay down or out, which you can do otherwise. DSCR is amazing. Oh, and I'll give you the little hook here. So something I have observed this is maybe very recent 4550 ish days, the margin for interest rate difference between conventional and DSCR is really starting to narrow. DSCR products are really performing well, and that interest rate improvements that we've been seeing for those products is not far off from what the Fannie Freddie's are, and I've even seen examples where DSCR beats a 30 year fixed Fannie Freddie rate. Now those are for the higher loan amounts. I can explain if you want, but otherwise, that's good news.   Keith Weinhold  24:36   Okay, this is really good news. It's a time in the cycle where dscrs could very well make sense for you without that huge documentation Shakedown that you need with W twos and pay stubs and everything else. There are a lot of nascent trends in the mortgage industry, and we're trying to separate some of them from being rumors, from being something that can truly happen. We're talking about 50 year mortgages and poor. Affordable mortgages. More on that. When we come back, you're listening to get rich education. Our guest is Ridge lending Group President, Chaley Ridge   Keith Weinhold  25:07   You know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth. Every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program. When you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest, start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom family investments.com/gre, or send a text now it's 1-937-795-8989, yep, text their freedom. Coach, directly, again. 1-937-795-8989,   Keith Weinhold  26:18   The same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage, start your pre qual and even chat with President Chaley Ridge personally, while it's on your mind, start at Ridge lending group.com, that's Ridge lending group.com   Dana Dunford  26:50   this is hemlanes co founder, Dana Dunford. Listen to get rich education with Keith Weinhold, and don't quit your Daydream.    Keith Weinhold  26:58   welcome back to get rich education. We're talking with Ridge lending Group President and Founder, Chaley Ridge about how you can get lower mortgage rates, and also about some trends in the industry, separating what's really a rumor in what could really happen squaring on 50 year mortgages and portable mortgages, those are both things only being discussed by the administration to help with affordability. FHFA Director Bill Pulte created some jarring news recently when he publicized this. What are your thoughts on the 50 year mortgage?    Caeli Ridge  27:39   You know, on a primary residence basis, I'm not so sure I need to maybe put some more thought into that. But for an investment property, I love it. Man, anything to keep that payment down so that, because, remember, we talked about earlier in the show here the percentage of mortgages, let's just use our 30 year fixed for a second that for a rental property that start on day one and then stroke a check 360 times later to pay that to zero. Is a fraction of a percent right? We are refinancing these things. We are selling them and doing 1031 exchanges. So anything that can keep my cash flow higher and my payment lower, I am all for it. Now, the people that push back and say, Well, I want to pay off my mortgage in 15 years. I don't want to pay extra interest, you are welcome to do that. So there's a second piece to this that I think is equally as important as maximizing cash flow, and that is your qualification. All right, if this comes to pass, and right now, it could just be noise, okay, and I'm speaking specifically for investment property, but if this is available to us, the debt to income ratio component, because think about it like this. So I'm going to keep using my 15 year and my 30 year, because that's kind of what we understand. The payment difference between a 30 year 360 month and a 15 year 180 month can be substantial depending on the loan size. I mean, it can be hundreds and hundreds of dollars for the individual that is dead set and say, I don't want to pay the higher interest. I want to pay these things off. We may have arguments about that whole strategy to begin with, but overall, if they still want to do that and that's their decision, Fine, take the 30 year fixed payment. Take the 30 year fixed mortgage. Apply the difference. You can figure out that payment difference very easily. Apply it religiously. Every month. You will cross the finish line in about 15.4 years. Download an amortization calculator online. You can find them everywhere. Plug in your numbers, and you'll see what I'm talking about. If you were to do this, let's say the difference is 200 bucks a month, and you send it in every month with your 30 year fixed mortgage payment, you will cross the finish line to pay that thing off in about 15.4 years. So yes, you'll pay a few extra months of interest. But what have you done to your qualifications, right, your payment now on your debt to income ratio, when we're looking at this thing for a future optimization, never take the shorter term amortization, ever, ever, ever, you won't pay the higher interest that the 30 year or the 50 Year will probably come with because you've accelerated the payoff so long, if that's your choice. Now for everybody else that really wants. To maximize that cash flow. And they get that, they're going to be refinancing this every five, six, whatever it is, years take it, man, I am all for the longer term amortization on a rental.   Keith Weinhold  30:10   I agree with you. I even like the 50 year on a primary residence, but yeah, Chaley, right here on the show, several weeks before Bill Pulte made the announcement, I actually talked about the 50 year mortgage and compared it to the 30 and the reasons that I like it because I knew there was a chance it could be coming, since this administration is trying to do so much to help out with affordability, people buy based on a payment, not a price that lowers the payment. A 50 year mortgage helps you benefit from inflation, and there are a lot of other advantages that have to do with that, although you probably are going to pay a higher interest rate on a 50 than you would a 30. And you know, Chaley, when the 30 year mortgage had its Advent just after World War Two, I'm going to guess 75 years ago, people were having this same conversation like, oh, 30 years, my gosh, you're never going to pay off the home. And really, that's not what it's about.    Caeli Ridge  31:01   Not at all, not at all. And remember, you guys, I would encourage everybody listening to this to actually go get that amortization table and see how much interest is baked in and how it is applied and paid. It is the back end of any of these amortized mortgages where the principal actually starts to get applied in a meaningful way. The 50 year mortgage, or the longer term amortization is a huge advantage. I'm speaking for investors. Mostly. I love it.   Keith Weinhold  31:26   Some people say, are you nuts? Look at how much more interest you're paying over the life of the loan on a 50 year mortgage versus a 30 year mortgage. We already touched on that you're not going to keep that loan for the life of it, and if you just take the difference from the lower payment that a 50 Year gives you, and invest that in 8% return, you are going to crush 2x to 3x oftentimes, what the paltry interest savings are over several decades,    Caeli Ridge  31:26   and somebody else is making that payment right. We have tenants that are responsible   Keith Weinhold  31:47    100% and then there's something that I don't know if portable mortgages would fly. And what this means is that when borrowers move, they could keep the rate, keep their term and keep their lender, presumably for the new home you might have seen it in the news. You the listener that Fannie May remove the minimum credit score requirements from desktop underwriting. And Chaley, I think you let me know elsewhere that those changes don't affect non owner occupied, but of course, it could affect the broader housing market in pricing. What are your thoughts about lowering the credit score requirement   Caeli Ridge  32:28   so similar to the portable stuff, until it really reaches mainstream and it affects the non owner occupied I'm not deep diving into those things. The basis of it, though, is, is that, yeah, they're removing that minimum credit score requirement from a du underwrite that stands for desktop underwriter, as you said, that is Fannie Mae's sophisticated, automated underwriting system, and I think it's just going to give more eligibility to lower income households and people trying to become homeowners that have found the barrier for entry very restrictive because They have credit issues.    Keith Weinhold  33:00   Well, let's talk about FHA and VA loans, something that we have rarely, if ever touched on. Our listeners know that I started out making my first ever property of any kind, an FHA loan with three and a half percent down on a fourplex, living in one unit, renting out the other three. Tell us about some trends there in FHA and VA loans   Caeli Ridge  33:21   we actually just did house hack campaign. We did a webinar on it, co living, all those different ways in which, you know, the younger generation, especially, and this is true for anyone. I don't want to pigeonhole it, can get themselves into home ownership and propel them into the real estate investing as an asset class. I am such a big fan of this model, in this strategy, for anybody that's interested and willing to kind of coal mingle or habitat, like you did a four Plex at three and a half percent down, you've got three tenants that are making your mortgage payment. VA, likewise, any of the Gubby loans, which include VA, FHA, USDA, you can get high, high leverage and up to four units. So I'm a huge fan of that. And then the CO living is another thing that I think is not quite mainstream, but I think it's gaining steam    Keith Weinhold  34:09   for those that don't know what we're talking about, you can use an FHA loan with a three and a half percent down payment, as long as you live in one of the units, your credit score can even be pretty low, and you can do that with a single family home, duplex, triplex or fourplex. You can get those same benefits with a VA loan and zero down   Caeli Ridge  34:29   USDA also zero down if you're in the right zip code. How does one qualify for a USDA loan? You know, there's a website I would have you check out. We don't do a ton of those. We have the ability, of course, but there's income restrictions and all of this. They've got, actually, a pretty slick website where you can go online, type in the zip code, make sure it's in a rural area, what your income is. There's all these inputs, and it'll tell you if you'd be a candidate for it. But yeah, it's good. Rates zero down. I like the product.   Keith Weinhold  34:56   Well, there have been a lot of newsy items when it comes. Comes to mortgages. Caeli and I think we should drop back before we're done here and talk about the basics. Just basically, what does it take to get a non owner occupied loan for residential income property?   Caeli Ridge  35:12   You know, there's so many options for investors today that I would say that if you have access to and even with what we just said, house hack. I mean, listen, if you've got 3% down, three and a half percent down, you can probably assure yourself you can get into a property. And if you can't qualify from a income debt to income ratio perspective, you've got three or four other models, which include DSCR, bank statement loans, asset depletion loans, overall, I would say that this is an individual conversation. Chances are you could probably qualify today, and if you can't, one of the things that I love about Ridge lending is, is that we're going to help you plant the seeds and show you how to qualify. If it takes you three months or six months or a year, that's what we do.   Keith Weinhold  35:56   Yeah, we've definitely noticed the difference here and that you do help that investor with long term planning? I do my own loans at ridge, and my assistant here at GRE she recently got the ball rolling with you in there at Ridge as well.   Caeli Ridge  36:11   Brenda, yes, yes, that was fantastic. We are very looking forward to helping her.   Keith Weinhold  36:16   Well, you know, chili, I've come here with a lot of questions that I had. What's the question No one's asking you, but you wish that they would.   Caeli Ridge  36:25   I think it probably would be for me, planning. You know, we get a lot of questions about interest rates. That's kind of top of mind for everybody. More about planning, having people that are interested in real estate as an asset class and an investment have the conversations to say, this is where I'm at today. This is where I'd like to be in five years. Tell me how to get there, and we can have those high level conversations that really sort of reverse engineer it and say, Okay, this is where you stand today from an underwriting perspective. This is where you need to be, and here's how we're going to get you there. It's always about planting seeds and creating those roadmaps, as I like to say so I would say that that would be top of my list.   Keith Weinhold  37:02   That's exactly what you do in there, and that's really what sets you apart. Well, remind our audience how they can get a hold of ridge.   Caeli Ridge  37:11   Yes, there's a couple ways. Of course, our website, Ridge lending group.com Please email us info at Ridge lending group.com and then call us toll free. 855-747-4343, 855-74-RIDGE  is an easy way to remember.   Keith Weinhold  37:25   It's really been valuable this time. Chaley, thanks so much for coming back onto the show.   Caeli Ridge  37:29    Appreciate you. Keith.   Keith Weinhold  37:36   Oh yeah, good pointed info from Chaley over at Ridge, I think that the important things for you to remember from our conversation is that, gosh, isn't it so glaring like in your face that you have options. All these options when you engage with a lender, you're going to learn that there are probably loan programs that you've never even heard of, some that you might fit into and even if you aren't adding more property, if you're not in that phase, there are ways that you can take your existing loans and consolidate them or refinance them, or use them to produce a tax free windfall for yourself and the US is often the envy of other world nations with the flexibility that we have here in our mortgage market. I've never known anyone that does this better than Chaley and her team. I mean, they are real difference makers. If you learn something on today's show, hey, Don't hoard the good stuff. Engage in the nicest kind of wealth redistribution. Tap the Share button right now and share this on social, or text this episode to one friend who'd appreciate it. That would mean the world to me. I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 2  38:57   Nothing on this show should be considered specific personal or professional advice, please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively   Keith Weinhold  39:25   The preceding program was brought to you by your home for wealth building, getricheducation.com  

Die Ellbogengesellschaft – Ellenbogen sind nützlich – jede und jeder besitzt sie. Werden sie allerdings zu oft eingesetzt, kommt nichts Gutes dabei heraus.

C dans l'air l'invitée du 26 novembre 2025 avec Alice Rufo, ministre déléguée aux Armées.Les efforts s'intensifient autour du plan américain visant à mettre fin à la guerre en Ukraine. À Genève comme à Abou Dhabi des représentants russes d'un côté et ukrainiens et européens de l'autre ont commencé à discuter avec les Américains des conditions d'une paix, alors que sur le terrain les troupes de Kiev se battent pour des forteresses du Donbass. Le Kremlin a relevé mercredi certains points "positifs" dans le plan américain pour mettre fin au conflit en Ukraine, après avoir rejeté une contre-proposition européenne. La Russie a reconnu avoir abordé avec Washington "dans les grandes lignes" la version originale du plan américain en 28 points dévoilé la semaine dernière et perçu comme favorable aux positions de Moscou. "Certains points (du plan américain, ndlr), on peut dire qu'ils sont positifs, mais beaucoup d'autres nécessitent une discussion spéciale entre experts", a commenté le conseiller diplomatique du Kremlin, Iouri Ouchakov, à la télévision publique russe.Une réunion d'urgence avait été convoquée dimanche à Genève entre Ukrainiens et Américains, sans la partie russe, pour travailler sur des contre-propositions au plan originel de Washington, qui prévoyait notamment des cessions de territoires et que Kiev renonce à l'Otan. Les Européens avaient de leur côté rédigé un plan alternatif qui rejette les principales demandes russes. Cette contre-proposition européenne n'a pas été commentée par les Etats-Unis. Les États-Unis ont ensuite tenu mardi des pourparlers avec des responsables russes à Abou Dhabi, aux Emirats arabes unis.Face aux menaces, le chef d'état-major Fabien Mandon a déclaré la semaine dernière que le pays devait être prêt à "perdre ses enfants". Des propos qui ont fait polémique, alors que le président de la République s'apprête à annoncer demain "la transformation du service national universel vers une nouvelle forme". Emmanuel Macron avait assuré hier sur RTL que ce nouveau service national volontaire n'implique aucunement d'"envoyer nos jeunes en Ukraine". Il est très clair que nous devons renforcer le pacte armée-Nation", a-t-il plaidé.

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I have a 10 year ARM and I'm wondering if I should refinance or ride it out a bit longer and hope that rates continue to come down? Have a money question? Email us ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Subscribe to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Jill on Money LIVE⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Subscribe to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Jill on Money Newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ YouTube: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@jillonmoney⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@jillonmoney⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Twitter: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@jillonmoney⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ "Jill on Money" theme music is by Joel Goodman, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.joelgoodman.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. 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

Pre-show: Marco bought a new toy ATP Diamond Dogs: Talk Me Out of It II Bryan’s toot pen.tips Paperlike 3 Paperlike Pencil Tips Follow-up: macOS Tahoe 26.2 β3 seems to fix Electon slowdown (per shamelectron) Gurman says “not so fast, my friend” Gaming in ARM Anti-cheat complications (via Tyler) Windows 11 on ARM (via David Gaw) OpenAI Egg update Interview video Fred T Apple N1 > Broadcom An iPhone camera cluster theory The UK is still trying to make fetch happen get themselves a back door Financial Times Apple Fitness+ is “Under Review” Fast charging & battery health Juli Clover summary @ MacRumors Ask ATP: Now that Marco owns a restaurant, does he tip differently? (via Max Velasco Knott) What do we think about third-party packages? (via Eric Jacobsen) swift-collections swift-async-algorithms CPAN Flow Is organizing /Applications a poor choice? (via Nathan) Are our kids better than we are at video games yet? (via Omri Arbiv) Ultimate Chicken Horse SongPop Party UltraKill Universal Paperclips Cookie Clicker Post-show: The saga of Overcast episode images Core Intuition Linode Object Storage CloudFlare R2 Members-only ATP Overtime: Should we ever be forced to put away our phones? (via Philip McDermott) Sponsored by: Zapier: Put AI to work across your company—for real PAKA: Performance apparel from alpaca fiber Aura Frames: Frames for every memory, gifts for every occasion Become a member for ATP Overtime, ad-free episodes, member specials, and our early-release, unedited “bootleg” feed!

White Knights & Reviling Wives w/Dr. David EdgingtonMinistry Sponsors:Saga Metals CorpThanks to Saga Metals Corp for sponsoring today's video. You can get their latest presentation here on their website:https://sagametals.com/corporate-presentation/Tickers: OTCQB: SAGMF | TSX-V: SAGADISCLAIMER: This video was conducted on behalf of Saga Metals Corp, and was funded by CAPITALIZ ON IT. I have been compensated for this video. I only express my opinion based on my experience. Your experience may be different. These videos are for educational and inspirational purposes only. Investing of any kind involves risk. While it is possible to minimize risk, your investments are solely your responsibility. It is imperative that you conduct your own research. There is no guarantee of gains or losses on investments. Please do your own due diligence. I am not a financial advisor, and this is not a financial advice channel. All information is provided strictly for educational purposes. It does not take into account anybody's specific circumstances or situation. If you are making investment or other financial management decisions and require advice, please consult a suitably qualified licensed professional.The securities of Saga Metals Corp are speculative, and the company has not yet achieved consistent positive cash flow from operations. As a growth-stage company, it anticipates negative cash flow for the foreseeable future as it focuses on development and commercialization efforts. Parties viewing this video should thoroughly review the company's public disclosure and documents available on sedarplus.ca.See full disclaimer here: https://capitalizonit.com/saga/Genesis Gold GroupFaith-Based Gold IRA: Genesis Gold Group helps Christians protect their retirement with physical precious metals aligned with scriptural stewardship principles.https://www.RightResponseBibleGold.comBackwards Planning FinancialWant to build a financial legacy for your family with a plan that starts at the end goal? Connect with Joe Garrisi at https://backwardsplanningfinancial.nm.com/ to get help with a legacy-driven strategy for your future.Gray Toad TallowGray Toad Tallow's handcrafted balms made from grass-fed, grass-finished tallow help heal real skin issues like dryness and psoriasis. Explore their sample pack and save 15% with code RIGHT15 at https://www.graytoadtallow.com/Armored RepublicWe make Tools of Liberty for the defense of every free man's God-given rights: Arm yourself with body armor and a plate carrier of your choosing; build your setup with accessories, equip yourself with an armored backpack.https://www.ar500armor.com/Freddy MediaUnlock exclusive access to a highly engaged audience and elevate your brand through impactful sponsorship opportunities with Right Response Ministries. Simply click the link below to provide some basic information and Freddy Media will reach out to discuss how to tailor a partnership that drives real results.https://91znn6hr1aa.typeform.com/joelwebbon

Brad Dalke joins Smylie Kaufman following his victory at the Internet Invitational — an event that shattered YouTube golf records and introduced millions to one of the most talented ball-strikers in the creator space. Brad breaks down: • What the week was really like • The emotion of winning alongside Francis and the late Cody “Beef” Franke • How the million-dollar pressure exposed every golfer • His unbelievable junior/amateur career (Thunderbird win at 13, 5 Wyndham Cups, U.S. Am finalist) • Arm-wrestling Rory McIlroy at 13 • Battling driver issues through college & pro golf • His unexpected transition into Good Good & YouTube stardom • The future of creator golf, Big Break returning, and where he sees golf content headed • Building the “perfect YouTube golfer” Chapters below ↓ #TheSmylieShow #BradDalke #InternetInvitational #GoodGoodGolf #BobDoesSports #YouTubeGolf ⏱️ FULL CHAPTERS 00:00 – Brad Dalke Joins the Show 01:00 – Keeping the Win Secret (NDAs, wives, chaos) 03:00 – What the Internet Invitational Did for YouTube Golf 04:30 – How Brad Got Invited (Bob reaching out) 06:00 – Why the Format Worked Perfectly 07:10 – Draft Strategy & Riggs' Captain Decisions 08:20 – Frankie's Heartbreak  10:00 – The Pink Jacket + Champions Dinner 11:30 – Francis' Food Rituals 13:00 – Luke Kwon  14:45 – Transition to Brad's Junior/Amateur Greatness 15:30 – Starting Golf at 11 Months Old 17:00 – Junior Tour Battles with Scottie Scheffler 18:40 – AJGA Majors & Thunderbird Win at Age 13 19:50 – Committing to Oklahoma at 12 (!!) 22:00 – How Coach Hybl Shaped His Game 23:45 – Rory McIlroy Arm-Wrestling Story 27:30 – Pressure of Expectations vs. Pro Golf Reality 29:00 – Battling Driver Issues & the Low-Point Miss 31:30 – Finally Finding the Technical Fix 33:20 – Running Out of Money on the Mini Tours 35:00 – The God-Moment That Brought Him to Good Good 37:00 – What YouTube Golf Gave Him Back 38:20 – Behind the Scenes of Good Good Production 49:00 – Kids & Amateurs Asking Brad for Advice 51:20 – Building the Perfect YouTube Golfer 55:15 – The Return of Big Break & Brad's Involvement 56:20 – Closing Thoughts

"Arm punt?! How about get a first down?" Dan is begging someone for a reason other than "football" that the Dolphins blew out the Bills yesterday. Plus, a dive into Greg Cote's exercise routine, airport floor layers, and the home-and-home where both games are at your home, so it's not a home-and-home but is at home. Today's cast: Dan, Zaslow, Chris, Jeremy, Mike, and Roy. Learn more about your ad choices. Visit podcastchoices.com/adchoices