Podcasts about Arm

Pour écouter l'épisode en entier, tapez "#515 - Pierre de Villiers - Ancien Chef d'État-major des Armées - “Nous ne sommes pas prêts pour la guerre”" sur votre plateforme d'écoute.Hébergé par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

Pour écouter l'épisode en entier, tapez "#515 - Pierre de Villiers - Ancien Chef d'État-major des Armées - “Nous ne sommes pas prêts pour la guerre”" sur votre plateforme d'écoute.Hébergé par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

“La France n'est pas prête pour la dureté et la durée de la guerre”.Depuis 10 ans, le Général Pierre de Villiers alerte sur la nécessité d'augmenter le budget de défense de notre pays.Il dresse aujourd'hui le portrait d'une France faible, fragile, qui en cas de guerre serait incapable de faire face à l'armée d'un État de puissance.Cette conviction, partagée par une partie de l'échiquier politique, est chiffrée, factuelle mais surtout basée sur toute son expérience. Celle d'un homme qui a dédié sa vie à la défense, passé plus de 40 années dans l'armée, et gravi les échelons un à un jusqu'à endosser le prestigieux uniforme de Chef d'État-major des Armées.Fin stratège, Pierre de Villiers a mené des hommes dans les situations les plus extrêmes : lors d'opérations majeures partout dans le monde, dans la lutte antiterroriste et sur tous les fronts où la France est engagée.En 2017, son désaccord avec le président Emmanuel Macron sur l'évolution du budget de l'armée le pousse à démissionner de son poste.Depuis, à travers plusieurs livres best-sellers et ses interventions médiatiques, il alerte sur la situation géopolitique et explique pourquoi nous devrions porter le budget de défense à 100 milliards d'euros par an d'ici 2035.Pierre assure qu'une réforme de l'État est désormais indispensable pour y parvenir.Dans cet épisode, le général Pierre de Villiers se livre sur ses convictions :Ce que dit l'état actuel de l'armée Française sur notre capacité de défensePourquoi il souhaite le retour du septennat et du service militaireCe que l'on doit vraiment attendre de l'EuropePourquoi réintégrer plus de responsabilité dans l'exercice du pouvoir est indispensable pour redresser le paysUn échange franc avec un homme dont la lucidité sur le monde éclaire autant qu'elle effraie.Vous pouvez contacter l'agence Les Rois Mages si vous souhaitez faire intervenir le général de Villiers dans votre entreprise ou organisation.“Pour le succès des armes de la France” est disponible dans toutes les bonnes librairies ou juste ici : https://amzn.to/4pp2jeCTIMELINE:00:00:00 : “Nous sommes à un point de bascule au niveau mondial”00:16:14 : Doit-on s'inquiéter de l'état actuel de l'armée française ?00:27:00 : Vers le retour du service militaire00:34:21 : “Nous n'avons plus de grands stratèges, que des petits tacticiens”00:43:38 : Retrouver la fierté qui mène aux grandes victoires00:55:07 : Un budget de défense à 100 milliards par an d'ici 203501:06:00 : La paix ramollit l'homme01:13:21 : “Il faudra une rupture d'autorité pour que les choses changent”01:23:37 : La place de la religion et de la spiritualité dans l'armée01:30:41 : Les hommes font-ils toujours la guerre ?01:39:51 : Le mythe d'une défense européenne01:52:38 : “Vous pouvez emmener des gens loin, vite, fort, à condition d'être clair”02:04:11 : Rester au contact de la réalité, à tout prixLes anciens épisodes de GDIY mentionnés : #401 - Emmanuel Macron - Président de la République - Les décisions les plus lourdes se prennent seulNous avons parlé de :Nick Houghton, ancien chef d'état-major des armées britanniqueLes accords de Lancaster co-construits par Pierre et NickÉtat des lieux du parc de matériels militaires françaisLes grandes orientations de la programmation militaire jusqu'en 2030L'adoption de la hausse de 6,7 milliards d'euros du budget de la défense par le Sénat en décembre 2025Les “dividendes de la paix” de Laurent FabiusLe général Georgelin, en charge de la reconstruction de Notre-DameLe Livre blanc sur la sécurité et la défense de Nicolas Sarkozy (2008)Article 5 de l'OTANLe char Renault FT 17 qui a fait basculer la guerreOVNI CapitalPodcast OVNI avec Daniel Nef, fondateur de RIFTQu'est-ce que la BITD (Base Industrielle et Technologique de Défense)Les recommandations de lecture :Pour le succès des armes de la France - Pierre de VilliersHeureux les artisans de Paix ! - Pierre de VilliersParoles d'honneur : Lettres à la jeunesse - Pierre de VilliersQu'est-ce qu'un chef ? - Pierre de VilliersServir - Pierre de VilliersQuand la Chine s'éveillera... Le monde tremblera - Alain PeyrefitteLa médiacratie - François-Henri de VirieuVers la guerre ? - Sébastien LecornuL'art de la guerre - Sun TzuLe déclin du courage - Alexandre SoljenitsyneLe mage du Kremlin - Giuliano da EmpoliLe rôle social de l'Officier - Hubert LyauteyVous souhaitez sponsoriser Génération Do It Yourself ou nous proposer un partenariat ?Contactez mon label Orso Media via ce formulaire.Hébergé par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

C dans l'air l'invité du 5 janvier 2026 avec le général Pierre de Villiers, ancien Chef d'état-major des Armées. Il publie "Pour le succès des armes de la France", aux éditions Fayard.Le président déchu vénézuélien Nicolas Maduro est arrivé lundi pour comparaître devant un tribunal de New York, deux jours après avoir été enlevé à Caracas lors d'une opération militaire américaine choc qui ouvre la voie au projet de Washington de contrôler ce pays riche en pétrole. Détenu à Brooklyn depuis samedi soir, il doit répondre de quatre chefs d'accusation de trafic de drogue ainsi que de détention d'armes automatiques. Sommée de se conformer aux volontés de Washington, Delcy Rodriguez, nommée dirigeante vénézuélienne par intérim à l'issue de la spectaculaire opération menée samedi par les forces spéciales américaines, a affiché sa volonté de coopérer avec les Etats-Unis dans le cadre de relations "équilibrées et respectueuses (...) fondées sur l'égalité souveraine et la non-ingérence". Celle qui était la vice-présidente de Nicolas Maduro montre ainsi un premier signe d'ouverture envers Donald Trump qui ne cache pas ses intentions de diriger la transition ni ses ambitions pour les immenses ressources pétrolières vénézuéliennes."La France se prépare pour un monde durci", a affirmé Jean-Noël Barrot, ministre des Affaires étrangères, hier sur France 2. Cette onde de choc suscitée par l'intervention américaine au Venezuela préfigure-t-elle un nouveau monde basé uniquement sur les rapports de force ? La France, et l'Europe, sont-elles préparées ? Le général Pierre de Villiers, qui avait démissionné en 2017en raison de réserves sur les économies réclamées aux armées, est notre invité. "Je considère ne plus être en mesure d'assurer la pérennité du modèle d'armée auquel je crois pour garantir la protection de la France", avait-il écrit à l'époque. Comment voit-il, aujourd'hui, la mise en place d'un service militaire volontaire, annoncée par Emmanuel Macron, et dont la campagne de recrutement débute le 12 janvier ?

Le cas Perinçek fait partie de ces affaires judiciaires directement lié à l'histoire et au négationnisme du génocide des Arméniens (1915-1916). Un million deux cent mille Arméniens perdent la vie sur territoire de la Turquie actuelle, sur ordre du parti Jeunes Turcs alors au pouvoir. La majorité des États reconnaît aujourd'hui ce génocide, contrairement à l'État turc et à d'autres, revendiquant une forme de neutralité à ce sujet. Thomas Hochmann, professeur de droit public et spécialiste de la liberté d'expression nous raconte cette affaire à rebondissements qui oppose la Suisse à Dogu Perinçek. Il est l'auteur de On ne peut plus rien dire... Liberté d'expression le grand détournement (Editions Anamosa, 2025).

A redação do Canaltech se reuniu para discutir quais tendências de produtos devem ganhar força em 2026. No episódio, analisamos o papel da inteligência artificial, a evolução dos ecossistemas, as mudanças no comportamento do consumidor e o que deve deixar de ser hype para virar padrão nos próximos anos. Uma conversa prática, com exemplos reais, para entender como a tecnologia vai impactar o dia a dia das pessoas. Você também vai conferir: calor acima de 35 °C pode prejudicar seu celular, Microsoft aposta em ARM para melhorar desempenho de apps e iPhone 20 nem chegou, mas já inspira concorrentes chineses. Este podcast foi roteirizado e apresentado por Fernada Santos e contou com reportagens de André Leonardo, João Melo e Vinicius Moschen, sob coordenação de Anaísa Catucci. A trilha sonora é de Guilherme Zomer, a edição de Jully Cruz e a arte da capa é de Erick Teixeira.See omnystudio.com/listener for privacy information.

C dans l'air du 2 janvier 2026 - IA : demain tous chômeurs ?Présentation de Salhia BrakhliaL'intelligence artificielle (IA) prend de plus en plus de place dans nos vies. Elle commence même à remplacer certains emplois et suscite de ce fait une inquiétude grandissante. Aux Etats-Unis, la mutation a déjà commencé. Dans le secteur du conseil, le géant Accenture a annoncé pas moins de 12 000 licenciements. L'ampleur de ce plan social est inédite dans ce domaine d'activité et traduit une certitude : l'adaptation à l'IA n'est plus une option. Un signal fort dans un secteur historiquement fondé sur le capital humain.Dans le secteur bancaire européen, ce sont de plus de 200 000 emplois qui pourraient être supprimés d'ici à 2030, selon une étude de la banque Morgan Stanley relayée par le Financial Times. Ces perspectives posent question quant à la façon dont le marché du travail va être façonné dans le futur. Malgré les craintes d'une menace pour l'emploi, des analyses soulignent que l'IA n'élimine pas les postes mais transforme les missions, en concentrant l'effort humain sur les tâches complexes et stratégiques. Si l'IA automatise déjà une grande partie des tâches répétitives, l'humain demeure en effet un atout dans de nombreux domaines, comme les relations commerciales.Les États-Unis, qui se déjà sont emparés de ce marché, cherchent à accroitre leur avance. Dans cette optique, le président Donald Trump a lancé il y a un an le projet Stargate. Chiffré à 500 milliards de dollars, il est destiné à bâtir les centres de données géants de la future génération d'IA. Le programme est élaboré par OpenAI, la firme qui a lancé ChatGPT, la société d'investissement japonaise SoftBank et le géant du numérique Oracle. Les poids lourds mondiaux du numérique comme Amazon, Microsoft ou encore Facebook devraient profiter des retombées. Pour l'heure, leur capitalisation boursière atteint des sommets... Et commence à préoccuper les investisseurs et les autorités financières. Ces derniers craignent qu'il s'agisse d'une bulle et que tout s'effondre comme un château de cartes.La rupture technologique introduite par l'IA a des répercussions dans le domaine militaire, ce qui constitue enjeu majeur. Quelles places occuperont par exemple les robots et les drones sur le champ de bataille ? La question se pose déjà. Le 1er mai 2024, la France a ainsi annoncé la création de l'Agence ministérielle de l'intelligence artificielle de défense (AMIAD), rattachée directement au ministre des Armées. Bertrand Rondepierre dirige cette structure pensée pour doter la défense française de capacités souveraines en IA. Une équipe de C dans l'air l'a rencontré.L'IA va-t-elle nous priver de dizaines, voire de centaines de milliers d'emplois dans un proche avenir ?Une bulle financière est-elle en train de se former dans le secteur de l'IA ?Comment l'IA va-t-elle modifier le visage des guerres à venir ?Nos experts :- Nicolas Bouzou - Économiste – Directeur fondateur du cabinet Astérès - Chroniqueur à L'Express- Emmanuel Duteil - Directeur de la rédaction – L'Usine Nouvelle- Isabelle Ryl - Vice-présidente Intelligence artificielle - Université Paris Sciences & Lettres (PSL)- Guillaume Grallet - Journaliste – Le Point - Auteur de « Voyage aux frontières de l'intelligence artificielle »

durée : 00:59:46 - Toute une vie - par : Hélène Frappat - Le destin hors norme d'Hedy Lamarr, juive viennoise devenue star d'Hollywood et co-auteur d'un système secret de communication applicable aux torpilles radio-guidées, est aujourd'hui encore l'odyssée contemporaine d'une liberté de femme qui s'invente. - réalisation : Angélique Tibau - invités : Vivianne Perret Journaliste, écrivain, scénariste de bande dessinée; Jean-Louis Desvignes Général, ancien officier Chiffre à l'Etat-major des Armées, ancien directeur de l'Agence Nationale de la Sécurité des Systèmes d'information.; Christian Viviani Coordinateur et rédacteur de la revue Positif, professeur à l'université de Caen-Basse Normandie; Serge Bromberg Critique de cinéma, spécialiste du cinéma américain de l'âge classique.; Antoine Sire Auteur; Nina Childress Peintre

Keywords: Luke,Book of Luke,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?

durée : 00:41:30 - Le 18/20 · Un jour dans le monde - Arto est Arménien, et à sa mort, sa femme, jouée par Camille Cottin, part sur ses traces. Elle va découvrir ses secrets, les cicatrices de la guerre. Il y a de la douleur et de la mélancolie. La réalisatrice Tamara Stepanyan est l'invitée d'Un jour dans le monde. Vous aimez ce podcast ? Pour écouter tous les autres épisodes sans limite, rendez-vous sur Radio France.

durée : 00:41:30 - Le 18/20 · Un jour dans le monde - Arto est Arménien, et à sa mort, sa femme, jouée par Camille Cottin, part sur ses traces. Elle va découvrir ses secrets, les cicatrices de la guerre. Il y a de la douleur et de la mélancolie. La réalisatrice Tamara Stepanyan est l'invitée d'Un jour dans le monde. Vous aimez ce podcast ? Pour écouter tous les autres épisodes sans limite, rendez-vous sur Radio France.

ThoughtWorks Technology Radar #33 —  обзор трендов IT-ишечке! Разбираем ключевые техники, инструменты и платформы, которые изменят вашу работу в 20265 году. От pre-commit hooks до vLLM — всё, что нужно знать DevOps об AI. О ЧЁМ ВЫПУСК: • AI Infrastructure Orchestration — GPU-кластеры, NVIDIA DCGM, RDMA и почему это важно для каждого • MCP (Model Context Protocol) — эра AI-агентов и интеграции с внешними системами • Context Engineering — кладезь ресурсов от Anthropic для работы с LLM • Pre-commit Hooks + Continuous Compliance — защита от утечек секретов и антипаттернов AI • Sidecar-less Service Mesh (Istio Ambient) — MTLS без оверхеда • Vibe Coding в Hold — почему Shadow IT ускоряется через AI и чем это грозит • ARM, Graviton 5, VLLM, Crossplane, N8N и другие инструменты в Adopt/Trial/Assess Если вы не знаете, что такое Context Engineering, Agent MD или Spec-driven Development — этот выпуск для вас. Прямо сейчас нужно догонять! ССЫЛКИ

Keywords: Luke,Book of Luke,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?

Apresentado por Bruno Natal.--Loja RESUMIDO (camisetas, canecas, casacos, sacolas): https://www.studiogeek.com.br/resumido/--Faça sua assinatura!https://resumido.cc/assinatura--Pegor Papazian é Diretor de Desenvolvimento do TUMO Center for Creative Technologies, onde lidera iniciativas estratégicas que incluem expansão internacional, automação de sistemas e o desenvolvimento de produtos e plataformas educacionais. Teve papel fundamental na construção do sistema de gestão de aprendizagem do TUMO e possui ampla experiência nos setores público, privado e sem fins lucrativos.No RESUMIDO #344: Pegor Papazian foi Chefe de Desenvolvimento de Programas na USAID, CEO da Fundação Nacional de Competitividade da Armênia, e fundador da Bazillion Beings, plataforma voltada para agentes virtuais. É bacharel em Arquitetura pela Universidade Americana de Beirute, tem MBA pela University of Chicago Booth e mestrado em Ciência da Computação pelo MIT, onde integrou o Laboratório de Inteligência Artificial.--Ouça e confira todos os links comentados no episódio: https://resumido.cc/

Keywords: Luke,Book of Luke,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?

Alkohol, Schlafmangel und dann ein früher Start mit Kind auf dem Arm? In dieser Folge sprechen Katharina & Rieke ehrlich darüber, wie herausfordernd ein Morgen nach einer Partynacht mit Kind(ern) sein kann – körperlich wie mental. Sie sprechen darüber, welche Nährstoffe Deinem Körper nach einer durchzechten Nacht wirklich gut tun – und warum manche vermeintlichen Wunder-Tipps eher Mythos als Medizin sind. Du hörst, warum viele Eltern sich ganz bewusst gegen große Silvesterpartys entscheiden – und was stattdessen guttut, wenn kleine Kinder morgens keine Rücksicht auf Deinen Kater nehmen. Und Du bekommst Impulse, wie Du Neujahrsvorsätze findest, die nicht nach Selbstoptimierung klingen, sondern ehrlich zu Deinem Leben passen – ohne Druck, aber mit ganz viel Gefühl. Diese Folge schenkt Dir Leichtigkeit, Verständnis und eine Portion Humor – genau das, was Du nach einer kurzen Nacht brauchst ❤️ [03:12] – Kater-Life: Wenn Du die Elektrolyte in der Waschmaschine suchst [05:17] – Silvester mit Kids: Warum wir dieses Jahr einfach daheim bleiben [07:13] – Der „Terrormonster-Mutti“-Moment & was er mit innerem Stress zu tun hat [09:46] – Was hilft gegen Kater? Und was ist Mythos? [21:25] – Neujahrsvorsätze, die aus dem Herzen kommen [29:04] – 5 Jahre MamAcademy – und unser Geschenk an Dich

Quaranteam - Dave In Dallas: Part 8 Intruders! Based on a post by RonanJWilkerson, in 12 parts. Listen to the Podcast at Explicit Novels. October 26, 2020. Monday afternoon, Reena took lunch duties. Lunch was often individual or in small groups, but she really wanted a crack at cooking for everyone. She said it could be 'come and go' to still facilitate varied schedules around the house. Her idea was ramen. But, it wasn't just basic out of the package. Well, it was, but with a variety of add-ons. You could pick your flavor of ramen, then she'd prepared chopped carrots, nori, sesame oil, diced onion, spam, eggs (fried up for each bowl individually) and Korean red pepper powder that Jan had gotten added to the spice rack. Oh, Reena still cooked it up, but each bowl was individual, and made on request. When Jan came in for lunch, she laughed warmly. Beaming, Reena asked hopefully, "Just like mom would make?" Jan placed a reassuring hand on the girl's shoulder. "Not exactly dear. This is ore like what my Caucasian aunt would make when she tried to be authentic." Reena's face and shoulders seemed to suddenly melt. Jan stepped in beside the teen, wrapping her arms around her. "And the one time I made fun of my aunt for it in my mother's hearing was the last. She pulled me aside and scolded me for being insensitive, and ungrateful. Mom said that ramen was always about making something tasty, with love and what ever ingredients were available." Jan made a point of looking over the prepped ingredients arrayed on the counter. "And this is exactly what you have done." She kissed Reena on her cheek. "Thank you. Thank you for the meal, and thank you for reminding me of two lovely, caring women in my life." Reena hugged her. Then she got the specifics of what Jan wanted and got busy making it. Dave stepped out of his office and got two steps down the hallway when Lupie found him. "Dave, could I use your office and computer for a bit? It's kind of urgent. I was in the middle of some trades and my laptop died." "Again?" Dave chuckled. Lupie looked chagrined and rolled her eyes. "Good thing you have your software installed in there already. Just log me off and do what you gotta do. How long do you need me to stay out?" "Rest of the afternoon?" "Okay." Dave started to walk away but Lupie snagged him by the shirtfront and tugged him towards her. They kissed softly. They didn't hear the small footsteps approaching. "Oh gag me with a tamale." Both adults laughed too hard to maintain the kiss. "I do need to get in there," Lupie said. A quick peck and she scampered into the office. Dave knelt down and wrapped Esme in a hug. "And you, rascal, need to give it a rest. We keep a lot out of your sight because; well because it should be out of your viewing. So give us a break on the kissing once in a while, huh?" "Yessir" her tone sounded reluctant, but the grin was hard to suppress. She took four quick steps away from him before turning. "Dave?" "Yes, sweetie?" "Thanks for making mom happy." "Never have I ever; used a pay phone," Reena said with a wicked grin. Shawna and all the ladies over thirty took a drink. Dave first reached into his pocket, pulled his hand back out, and tossed a quarter at Reena. Then he took a drink. Liv busted out laughing. "One of Dad's favorite songs!" she cried as she cackled loudly and leaned a bit too far over into Mel. They'd been going for over half an hour. And she and Mel had pre-gamed. "Song?" Reena asked. "Pay phones used to cost a quarter to make a call. Early nineties, there was a country breakup song called 'Here's a Quarter, Call Someone Who Cares'," Dave filled in. Reena pouted, then stuck out her tongue. "Okay, Lupie, your turn," Jan prompted. 'Never have I ever; done the splits." Reena threw one back. Liv joined her, while Dave laughed. "That laugh suggests a story," Nessa observed. "Yeah, yeah," Liv replied. "I was; oh, about ten or so?" "Eleven," Dave corrected. "Right. Anyway, the girlie girl types were saying I was not really a girl if I couldn't do the splits. So I did." Dave cleared his throat. Liv blushed. "On top of the monkey bars." All the older ladies burst out laughing. "Well, that showed them!" Shawna rejoined. "And I believe it's Dave's turn now." "Alright, never have I ever; taken a nude or semi-nude selfie." Reena's eyes bugged out. She reached for her drink, threw back a slug, then covered her face with her hand. Mel, Liv, and Nessa followed suit. That was no shock to anyone. Jan doing so caught a few looks. "Nope, not gonna talk about it." Jan's face was as red as Melanie's hair. "Okay, moving on; " "Not yet. Someone hasn't drunk." Dave said. He looked at Becca, clearing his throat. "What?! I've never sent nude selfies. You're the first guy I ever got naked for!" "I believe you." Then Dave held up his phone and waggled it. Becca's eyes got wide. "Oh, crap, I forgot about that!" The young blonde blushed about six shades of red before reaching for her drink. "Oh, this I gotta hear." Melanie breathed. Becca hid her face in her hands, peeking between two fingers. Lupie laughed loudly. "Okay, you busted me out, so spill." Becca looked pleadingly at Dave, then shrugged her shoulders, giving him a nod. "Loops, you remember that very first day, when the vax guy came around?" Lupie nodded in reply. "And you wondered why Becca was acting all embarrassed after I told you I'd accepted you both?" "Yes?; oh!" "I told you she'd be the one to say it was okay to tell you what happened? She just did." Lupie just nodded in reply. "Uh, care to fill the rest of us in?" Mel asked. "So the CDC guy came around mid-September. He got to Lupie's house first. She sent him over here with a letter asking that I request her and Becca, giving her reasons why I should say yes. After setting things up with Arthur, I texted both of them that I would make the request. Becca replied with a selfie. With her shirt and bra pulled up. Still have it by the way." Dave winked at Becca. "Shit, we shoulda thought of that! Right after the video call!" Liv groused, nudging Mel. "Another missed first." "Becca was weeks before that call, so still first. Well, first amongst this group, not first ever." "Oh, yeah?" Dave dodged. "Old girlfriend, long time ago. So, who's turn is it next?" Thankfully, they let it slide. October 27, 2020. Dave descended the stairs to see Olivia, Becca and Reena watching a 90's movie. The two teens were making a concerted effort to take in as much of the movies and songs that Dave had grown up with, particularly the ones he had physical copies of. Reena had taken some adjusting to the idea of watching without streaming. Not that they didn't stream at all. Last night, Dave had discovered several of his partners, including Reena, hadn't yet seen Hamilton. That required immediate correction. "Wow, really? It's a great story, well executed, and it's historical. I mean, yeah, they take some liberties, but Miranda was pretty true to the essence of the characters." "But history?" Reena whined. "It's just a bunch of old white guys." Dave looked askance at her. "You're sleeping with an old white guy." Reena's face fell, and Dave's heart with it. In a soft voice, she said, "You're not just an old white guy to me." Her head wasn't exactly hanging, but she didn't meet his eyes. Fuck, emotional landmine triggered. Splash damage accumulating. Dave got up swiftly, without rushing, to stand in front of her and take her in his arms. He kissed the crown of her head as her face nestled in his chest. "I'm sorry honey, I didn't mean to sound so disparaging." Reena slipped her arms around Dave and took him in a hug. Several others joined in, circling the pair in their arms. "Reena, honey?" Shawna prompted. "The guy who wrote it had a vision to make the story more interesting than 'just a bunch of old white guys. Give it a try. I think you'll like it." As often happened, Shawna was spot-on. This morning though, the trio were watching Dave's blu-ray of Twister. "You know, we'll have to watch this in April. Before or during the first severe thunderstorm warning." Dave said as he rounded the back corner to pass them without blocking their view. All three girls chuckled lightly and accepted the kisses Dave planted on them as he passed behind them on his way to the library. Entering, he found Vanessa lounging with a book. He took a seat in easy speaking distance without crowding her. "So, how are you settling in?" "Pretty well. It's; so peaceful here. I really expected a house with this many people in it to be more chaotic. I mean, there's a fun energy here, and a lot of life, but it's; so soothing here. Thank you, David. For accepting me, for just; being here to match with." "I'm enjoying having you here. Beyond the obvious, I mean." Nessa snickered at that. "You've slipped rather smoothly into the family and already I couldn't imagine this place, or us, without you." "That's so sweet, thank you." "Maybe once the whole state's vaccinated, we'll get some normalcy and get out to do the usual family things together." "When we get some normalcy again, you ought to marry Lupie." "I should marry all of you." "No. No, I don't feel that way. Lupie does. Olivia does. And maybe Janice. Shawna too, she has it bad for you. Becca is still young and sorting it all out. Same goes for Reena and Mel. I don't share that depth of bond. I wouldn't want to cheapen what they have with you by sharing a marriage ceremony when I don't have that connection. I damn well better be one of the bridesmaids though" A wry smile crossed Vanessa's face. "I care for you. I love you. I love this family. I am not in love with you." "If it weren't for this damn serum, you would be free to find someone to have that bond with." Vanessa's eyes watered. "Don't ever say that again." There was steel in every syllable. "I may not be in love with you, but this is one of the best relationships I've ever had. I have more joy; not mere happiness; joy in my life now than I have had in a very long time. If the serum caused this, then Thank God and bring it on. I wouldn't change what I have right now for anything. I know you care for me. I can feel it. I feel it from each of the others. What we have is special and I don't ever want to let it go." Dave stood and walked towards Vanessa. From one eye, a tear rolled down her cheek. "I haven't felt this safe and accepted since I was a little girl that didn't know what emotional pain was." She closed her eyes, surrendering, hopeful, to what he might do next. Dave bent down, bringing his face to hers. He kissed each eye gently. He kissed each tear streak. He kissed her gently on the nose, eliciting a small giggle. He kissed her lips, softly at first, growing firmer as she responded. She broke the kiss and opened her eyes in time to see his eyes opening. She could see the tears watering them. "You're going to make me fall in love with you aren't you?" "No. I'm going to give you every reason to, and let you decide." Dave reached underneath Vanessa and lifted her. She wrapped her arms around his neck, kissing him as he carried her. Olivia noticed them coming out of the library. With a small grin she began singing in a soft voice "Who; knows what to-morrow brings; in a world; few hearts survive ;” Dave tried scowling at her, but he couldn't get the grin off his face. As they neared the base of the stairs, Vanessa ceased her slow circuit of kissing Dave's cheek, neck and lips. "I think you better let me walk from here stud." Dave chuckled and lowered her feet to the floor. They rose up the stairs, side-by-side joined at the hips, shoulders, and lips. From below, they heard Olivia mutter "God that's hot." Reena Umm-hmmed her agreement. "My nipples are freaking diamonds right now." Entering the bedroom, Dave and Vanessa began removing each other's clothes, quickly, but without frenzy. They stood naked, at the end of the bed, kissing, holding and softly groping each other. Dave pressed in close and gripped Vanessa under the curve of her ass. He lifted her and tossed her into the middle of the bed. She squealed happily as she flew. Dave slowly crawled up the bed, kissing Vanessa as he went. He started by kissing the big toe of her left foot and proceeded down the top of her foot to her ankle. Then he switched to her right foot. When he reached her ankle, he continued laying soft, gentle kisses up her shin. Then again up her left shin. He avoided the backs of her calves, her kneecap and the inside of her knee. These spots were very ticklish for Vanessa. Becca loved the loss of control when Dave tickled her. Becca and Janice loved the counter play of tickling and sexual stimulation. Vanessa would mule-kick him through a wall if he tickled her. And be out of the mood. And be pissed for a few days. So no tickle-y He kissed his way up the tops and outsides of each leg. He kissed a wandering path around her abdomen, taking time at her belly button like a caravan merchant at an oasis. Vanessa moaned. Her belly button was one of her favorite places for Dave to play with. Dave began working his way upward again, kissing in a straight line that ran up from her navel between her tits. He looked up as he rose, seeing her eyes locked on him, hungry and happy. Pure joy radiated from her face. He reached the hollow of her neck and alternated kissing with light nibbling. Vanessa moaned again and shifted beneath him. This was another of her favorite spots. He kissed up to her jaw, across her jawline, to her lips. "Umm" Vanessa hummed as Dave settled in, his body pressing firmly against hers. He rested his weight on his elbows and knees (outside of hers) and took her hands in his, out to the sides of her head, their fingers interlaced. It was more sensual than sexual. After several minutes, Dave slipped his hands loose and moved lower for the next step. He broke the kiss. Vanessa whimpered and opened her eyes. She bit back a complaint about the end of the kiss, because she knew what was coming would be better. Dave kissed her chin, then her shoulder. He stroked the outside of each tit with his fingertips. He kissed from her shoulder down to the top of her tit. He kissed around her tit, never touching the areola. Then he placed tiny, soft kisses just at the border of her areola without brushing her nipple. Vanessa whimpered. His hand played with her other tit, likewise avoiding the areola. Vanessa squeaked as he took her nipple and areola in his mouth and suckled, flicking his tongue against her nipple. "Yes; ;” she clutched the sheets and writhed beneath him. It was delicious torture. He had her worked up and ready, but kept the foreplay going rather than enter her. One finger of his hand lightly brushed across her other nipple. Back and forth. Back and forth. Light pinch. "Oh, David, please baby." Dave chuckled. He met her eyes as he descended down her body again, taking less time than when he rose. He kissed her hip, then across her pelvis and down. He kissed her mound of Venus and descended with his mouth hovering over her labia, but not touching. He let his breath brush over her entrance. Then he pulled back further and kissed her inner thigh. He heard a strangled whine from above. He nibbled. He switched thighs. More shifting and squirming. Dave latched his mouth onto Vanessa's labia and suckled like a newborn. "Yes!" Her body lifted off the bed for several seconds. He flicked his tongue against her entrance before easing it inside of her. She let out a contented moan. He slid his hands along her sides and thighs. Dave lifted his eyes to look at Vanessa. Her eyes were closed in bliss. He moved marginally forward and took her clitoris into his mouth, massaging it with his lips and tongue. "Oh God!" her eyes flew open. Hands gripped sheets and pulled hard. Her feet lifted. Dave backed off, giving her a moment. He started crawling up the bed, over top of her. Vanessa pouted and locked eyes with him. Desire and need echoed back and forth between their eyes. Dave inserted himself into her wet, relaxed passage and slid forward purposefully. Vanessa issued a sound that was both a sigh and a moan signaling her satisfaction. Once again, Dave interlaced his fingers with hers. With his hands on top of hers, and all four hands beside Nessa's ears, Dave began to rock his body overtop of her. He held himself just low enough that his chest and ribs softly grazed over her erect nipples. With slow, gentle strokes, he raised the two of them towards ecstasy. Kissing softly, they communicated without words, just sighs, moans, and hums. Time stopped and the world fell away. Just two lovers wrapped in gauzy layers of lovemaking. Nessa's body trembled with anticipation for what felt like an eternity as Dave caressed and stimulated her, hitting all her pleasure spots just so, raising her gently to one delicious climax. He buried himself to the root within her as the dam burst forth. Her erotic writhing alternatively pushed him away and strove to swallow him within her. The oscillations of her wet passage seized his organ and sent him cascading over the cliff with her. Struck by the serum induced orgasm, Nessa clutched him tightly and howled her pleasure. When Nessa's grasp loosened, Dave slipped to lie beside her, holding her close. Drifting back into the conscious world, Nessa snuggled in close, draping an arm over him. "Hmm, so that's what the girls have been calling 'the full Dave', huh? I like it." Shawna's rotating early shift was today, allowing all of us to sit down as a family and finish discussing housing preferences. Mel came in from the kitchen once Shawna arrived. "We didn't quite get there last time, but with 12 or more people, we need a bigger kitchen." Lupie said emphatically. "Preferably with a double oven and a cooktop with five burners and a grill. Four burners and no grill is still okay. And gas, not electric." "Anything else for the kitchen?" "Well, an island, preferably with power to it, but with a cutting board top, and large enough for rolling out dough." Lupie paused, looking pensive. "Did I go too far?" "Not at all, that sounds great. Especially if I actually get to use it." Dave grinned back. Lupie smirked and rolled her eyes. "Oh, and one other condition; a nice big batch of tamales after we move in." Lupie's eyes danced. "Absolutely." "I was thinking," Reena said, "how about a backyard deck?" Dave interjected "Not really necessary. It would be good to have, but I can build a reliable deck. Especially with Livy involved. You can help too if you want." "If you can do renno, I may have work for you." Vanessa smirked. Dave laughed. "I still have a day job. Our house sure, but I'm not looking to make it a job. Oh, and what ever we get needs plenty of electrical outlets. If it's really necessary, I could run a few new breakers and circuits, but seriously, I'd rather stay away from that." Shawna looked alarmed. "Baby, I believe you when you say you've got skills, but I don't want you around one-ten, or worse, two-twenty." Dave returned with a scowling laugh, "That's why you turn it off at the box, dear." "Just be careful honey." "Yes, Peaches." That earned a laugh all around, as Shawna blew a kiss at him. Nessa looked at her. "Are you from Georgia?" "No, but my parents met there in college. Mom's from Georgia, Dad was just there for school. They raised me and my brother in St. Louis." "And you went there for your degree?" "Oh no. I knew I wanted to be a meteorologist since I was a young teen. I went to O U. With the National Weather Service center right there, I got experiences I could never have gotten elsewhere. Spent a good chunk of my upper-class and grad years chasing storms." "Sounds like a lot of fun." "Oh yeah." Nessa grinned with Shawna, then turned to Dave. "I have been asked to press the idea of the towers one more time. Not so much our immediate supervisor here, but the folks back in DC. Their argument is that it's more efficient." "Unbelievable." Dave managed to avoid grumbling. "You do realize that the same people that want to shove us into a shoebox are the same little hypocrites that scream their heads off when a CEO lays off workers to make his company more efficient. Both of them are promoting the math of what they want, ignoring what they don't, and neither actually gives a shit about the people they are using like pawns." Shawna, seated beside him, stroked his arm, a slight grin on her face. "Yeah, okay, I'll climb down off my soap box. But no, I do not want to live in an apartment tower. A neighborhood, sure. A diverse neighborhood sounds great. I'm not a fan of monochrome anyway." "Clearly," Nessa said. "Just looking around the room proves that." "I'm sorry, but the whole 'I know better than you' crowd pisses me off, whether it's the church variety, the lefty variety, or the old money variety." "Okay, okay," Nessa replied light heartedly. "I had to bring it up again. I've done so, and you've been quite clear. I'll get on the search tomorrow. It may take a bit, but I'm sure we can find something that meets our requirements." The conversation turned to other subjects, and the family splintered into little knots of discussions. Mel slipped back out to check on the meal she was making. Dave didn't know what it was, but it smelled really good. Well, he knew it was something with chicken. He decided to join Mel in the kitchen. "Hey, Mel, how's it goin'?" "Almost done." Mel turned her face to his and received the offered kiss. "Smells really good. Chicken soup?" "Chicken and dumplings. From scratch. I boiled the chicken earlier this afternoon. It's about time for me to mix the dumplings. After that, it'll be ready to eat in twenty minutes." Dave wrapped his arms around her, holding her close from behind as she watched the pot. "Perfect choice for a dreary day like today. And, I haven't had chicken and dumplings in a long time." "Well, I hope you like mine." "Oh, Mel," Dave said as he nuzzled his head against hers, "you know I like your dumplings." He traced the middle finger of each hand up her sides, pulling away before reaching her tits. She cackled, turning to face him. With a light smack on his shoulder she said, "You're an old lech," she stepped in for a kiss. "But you're my old lech." She waggled her eyebrows. Dave chuckled, resting his forehead against hers. Then the doorbell rang. "Go, I need to get on the dumplings anyway." Mel swatted him on the ass as he walked away. Jan was already at the door when Dave arrived. The soldier was just handing over the clipboard. Beside her stood a young black woman with her hair in several tight braids. She stood about 5'6", with eyes that appeared to prefer laughing, but bore the potential to penetrate obfuscation, a cute button nose and a bright red lipstick on her perfectly sized mouth. Large golden hoop earrings in her ears and tight black jeans on her legs were the only attire visible other than her thick coat. Given the near-freezing temperatures and drizzle that had gone on all day long, Dave could hardly blame her. The black handle and ribbing stood out starkly from the vivid, deep pink of her umbrella canopy. It looked thoroughly functional, and infinitely girlie; maybe a bit more Wednesday Addams than cheerleader, but that didn't bother Dave in the slightest. Jan handed the clipboard back to the soldier, who departed immediately. "Hello, my name is Janice, though I prefer Jan." She held out her hand, which was taken without trepidation. "And this is Dave." He likewise reached out and shook the lady's hand. "Come on inside. We were just about to sit down for dinner." "About twenty minutes," Dave supplied. "Mel; Melanie; is making chicken and dumplings." "Oh, that sounds really good. Especially with this weather." She pulled her roller case through the foyer and parked it just inside the living room. The ladies approached her, no more than three at once, and the early few drew her towards the center of the room as they greeted her and introduced themselves. Mel, having not taken a seat yet, exited to the kitchen again, reappearing barely a minute later. "It'll be about ten more minutes," she replied to the expectant faces that turned her way. Becca and Olivia immediately stood, heading to the kitchen. Apparently, it was their turn to set the table. The light conversations and sharing continued through the meal, interrupted only by nearly everyone asking for a second bowl (Dave had four, but made sure everyone else was done eating before the last two.) Of course, each family member took multiple opportunities to praise Mel for the quality of the meal, and the excellent choice for the dreary conditions. Dave listened in on the conversations around him, paying special attention to the ones involving the new arrival, Niki. Between his own conversations with her, he learned her full name was Nicole Lassiter, and she worked as the network administrator and network security administrator for a bank headquartered in Dallas. With all the losses, she was now over all computer issues that were not customer facing. Her little brother was still in college, hunkering down in the UGA dorms. Niki, her mom, and her dad each called him at least once a week both for their own peace of mind and to keep his spirits up. Niki's parents were recently vaccinated. Her mother had styled her hair before 'her baby girl' left for the Vax Center. The tight braids she wore were called a Senegalese twist. Since her mother was a hairdresser (not that she was seeing customers at the moment) she had extensions on hand to do her daughter up right. Niki's dad had just retired from road construction work, looking to open up a barbecue restaurant; right before the lockdowns hit. Dave also noticed a slight unsteadiness on occasion when Niki walked. It made him concerned for her well-being, but he wasn't sure how to bring it up without being rude. As the evening wore on, he noticed Niki making furtive glances his way. The next time she did, he made eye contact, lifting one eyebrow. She bit her lip and nodded. Dave rose from his seat and strode to her side. A few eyes followed them as he took her hand and led her upstairs. Dave guided her to the master bedroom. Niki quickly took a seat on the bed. "You know, I didn't ask you earlier: do you want to do this here, or in a separate room? Here, you're going to wind up with several other women in the bed as well. We still have a room you could wake up in with some privacy. Shawna and I use it sometimes to spend time together when she gets home from work, and she stores clothes in there so she can dress and not disturb anyone when she has an early morning shift, but nobody uses the bed in there." "No, here's fine, thank you." Looked pensive for a moment. And a little pained. "Are you okay? If you don't want to do this; " "No, no I'm fine, really. Well, I'm not fine, but you aren't the problem, not by a long shot. I pushed myself too hard this evening. I should have spent less time standing." Dave waited while she ordered her thoughts. "I haven't been completely honest with you, Dave. I only recently got to a point where I can walk without a cane. Over a year ago, I was t-boned by a drunk driver. Shattered my legs. It'd be a good bet that half the metal in this room, is in my bones right now." She let out an annoyed snort. "I used to run track. Even got a partial scholarship that helped me get my degree. I spent months in a wheelchair, and then a walker. After that, I moved up to those forearm crutches. During lockdown, I couldn't go to the doctor, so when I felt annoyed enough with the crutches I shifted to a simple cane. And now I've been walking without any aid for over a month, but it hurts like hell; and it's tiring." "You are one tough cookie." Dave said from the spot he'd taken beside her as she spoke. "I don't feel so tough. I feel beat up and worn out." Dave hugged her. "You want me to tuck you in and let you rest? We could do the imprinting tomorrow." "No, no I want to do this with you Dave. I just may need you to go easy. And probably help me undress." "Just to be clear, you're asking me to strip your clothes off, handle your body gently, and blow a load inside you?" Dave said with a hint of sarcasm. Niki giggled. "You seem man enough to handle the job." Dave answered her with a kiss, full on the lips, pressing firmly but with moderation. His hands drifted behind her shoulder blades. Niki responded, humming into the kiss and parting her lips. When Dave's tongue probed undemandingly, hers welcomed the visitor. Dave's hands roamed slowly, taking the first steps in learning the body of his newest lover. He enjoyed the feel of her in his hands. There was a looseness, as would be expected for an athlete that had been benched. Beneath that slight layer, there was a firm core. She was; exciting. And excited. Whatever she wanted in a man, she seemed to think Dave had it. Well, that and the serum had her amped up. Dave was finally getting past feeling guilty about that. Mostly. Dave started consciously directing his hands, seeking the buttons or clasps or zipper to loosen the neck of the tight black top she was wearing. Solid black panels with a black lace overlay stitched in at regular intervals. Finding the short zipper took no time at all. He next dropped his hands, seeking the hem of her shirt under her jeans waist. There was no hem. As his hands quested, he found bare hip, with cloth from the top still diving down her front and back. Just like a swimsuit. Then it struck him. He came up for air and play scowled at her. "You could have just said it was a bodysuit." She snickered. "Aw, where's the fun in that?" Dave kissed her. Then he gently shoved her backwards onto the bed. Her torso lay flat on the bed, her legs dangling off. Dave stood and faced her. Reaching down, he unbuttoned her jeans and lowered her zipper. Niki's eyes twinkled as Dave took hold of the cuff of her jeans and pulled them off. He missed the worried look in her eyes as the scars on her legs were exposed. That's because his eyes were locked on her trim brown legs. They stayed fixated on those lovely legs as he kneeled between them and began kissing her legs, first one then the other. All over her thighs, then, gently lifting, careful not to lift too high, he kissed her calves and shins. He lavished every inch of her legs with his lips and tongue. Niki moaned. Then she sniffled. Alerted, Dave brought his head up, locking his eyes on hers. Tears watered the bottom of her almond shaped sockets. "You make me feel beautiful again." "You always were." He kept his eyes on her as he kissed the inside of her knee. The kiss extended into suckling. He gave the spot a little nip, then moved his position by a few inches and giving the same attention, adding in a few strokes of his tongue tip. Niki's chest heaved. Dave could hear sobs amongst the moans as he switched to her other knee. He would have been alarmed except for the clearly cathartic tone. "Umm, David, please, I need you up here." With a grin, Dave worked his way, unhurried but not dawdling, up her leg, kissing and huffing hot breath on her exposed skin as he went. Reaching her fragrant core, Dave brought his fingers softly to the three little snaps holding the gusset of her bodysuit together. A gentle flick separated the two soaked flaps of cloth and revealed that Niki wore nothing underneath. The engorged, richly black outer labia of her nethers drenched in her arousal. Her inner labia petaled outward, yielding a peek at the pink interior. Dave blew one long, slow hot breath over her bare, quivering sex before latching his mouth on her. He suckled her lower lips as her back arched. Niki keened her pleasure while her arms beat a tattoo on the bed. "David, now, please, now." Dave shucked his shoes and quickly slipped his cargo shorts and boxers to the floor. In a flash, Dave was over top of her, dragging her up the bed like a leopard securing his prey in a tree. Niki's breath caught as he took charge of her body. The fire in her eyes was unmistakable. He kissed her deeply, then pulled away. With his eyes locked on hers, he moved himself to her entrance and pressed his cockhead just barely inside. The fluids leaked all over his throbbing cock touched her most sensitive places and set off a riot only attributable to the serum. Dave anchored her motions with his knees, pressed against her rear, but not enough to force her legs too far apart. "Fuck that was good." She paused for a deep breath. "Hmm, I'm all yours now Dave. Send me off to neverland, lover." Dave worked within her, slowly and gently at first, picking up pace slightly and a little more force when she signaled it was needed and acceptable. Her hums and moans continuously reminding him his actions were still mutually desired. His peak arrived and he shot hot ropes of cum with his cock buried deep in her, his cockhead brushing her cervix. Immediately, she shuddered, racked with the serum induced pleasure that forever locked her life with his. Dave held her in her throes until she went limp muttering "Imprinting; imprinting; imprinting ;” He rose, going to the bathroom to clean himself before returning with a wet washcloth and a hand towel to clean Niki. Once she was cleaned and dry, he snapped her body suit closed again and arranged her comfortably on the bed, beneath the covers. He placed a soft kiss on her forehead before heading downstairs to spend social time with the rest of his family. As he descended the staircase into the mild buzz of the other eight women happily sharing his life, his home, and his bed, Dave marveled at how amazing his life was. Chapter 10; Storm Winds. October 28, 2020 4:18am David's hand was halfway to the palmprint secured gun safe on the back side of his headboard before he realized he was even awake. With the vertical placement, and the; activity frequently occurring in the bed, he'd installed two Velcro loops to hold the pistol and magazine inside. He released the pistol and placed it on his chest before reaching back for the clip. Fortunately, only two hands and a part of one leg were draped over him at the moment. The four younger girls were in their rooms, leaving Lupie, Jan, Shawna, Vanessa, and his newest partner Nicole to share his bed. Nicole was one of the hands, and the partial leg. By consensus, the ladies decided she should get to curl up next to Dave for her imprinting sleep. Gingerly, Dave slipped free of his partners' limbs and slid down the bed onto the floor. Only then did he insert the magazine and work the slide. Flipping the safety on, he padded softly but quickly to the closet to grab a pair of shorts. He decided not to wear slippers this time. He might need the extra footing. Keeping close to the wall, he approached the bedroom door. With the door still shut, he took the safety off, but kept his finger out of the trigger well for the moment. Slowly, Dave eased the door open. Slipping through, he noticed a shape in the hallway, against the wall, at the top of the stairs. Too dark to identify an individual, the figure made the 'Join Me' signal his friend Carter had taught him long ago. He did not raise his weapon. Sliding along the wall silently, just the way he'd practiced at least once every year, Dave approached. Proximity gave the reassurance the lighting denied at a distance. Liv crouched in the hallway, pistol in hand, wearing only a light nightgown that reached most of the way to her knees. With a quick series of hand signals, Dave told Liv to follow at a distance as he prepared to descend the stairs as quietly as possible. Liv signaled back that she should lead, but apparently had no signal for why. Dave negated the suggestion, and started down the stairs. He reached the lower landing with no incident. His nerves had been raw as he got halfway down and the solid wall gave way to railing. Now he crouched on one knee, Liv a few steps up from the landing, but with good vision on the living room area, both of them listening. The nighttime chirping of mockingbirds was absent. No flutter of wings or rustle of raccoons, possums, or skunks. Out here on the wild edge of the metroplex, there was always something moving at night. Dave signaled for Liv to post up on the landing and then moved along the wall of the stairs, in front of the media center to the corner of the living room where the downstairs hallway started. He was now directly below the spot Liv had occupied when he first emerged from the bedroom. And just two steps from his secured gun closet recessed under the stairs and hidden behind a normal looking panel. Dave had only one twelve round magazine. Liv had purchased a larger safe and had a spare ten round magazine in addition to the one in her weapon. It was a bit awkward carrying it since she had no pockets, but Carter had taught a variety of firing stances, one of which allowed carrying something in the non-dominant hand. By the absence of natural sounds, somebody was outside. He did not know how many, or how they were armed, but he was sure they weren't here in the oh-my-god-it's-early hours for a friendly visit. He slid the cover for the pin pad open so he could punch in the unlock code. Dave heard a crashing thump at the door followed by cursing. The security door worked just fine. He didn't get a chance to smile though. The glass door at the back of the living room shattered from several rounds. Dave squared his body with the opening just as two men stepped through. The first man fell as Dave brought his weapon up. The second went down just as his head turned to his right to see Liv's position flanking their breach. Dave heard a tinkling sound from the entry. Someone was breaking the window in the front parlor. Now he was worried. The thick pillar at the free corner of the landing would give Liv scant protection against a firearm. Dave stayed low, stepping away from his corner. It gave him protection against someone firing from the sliding door breach, but he had no angle to fire into the entryway. With the furniture screening him from the glass door breach, he approached the arch between the entry and living room. Loud whispers drifted in from his right. The remaining attackers on the deck seemed to be hesitant about testing themselves against the defenses. He was straining to pick out words when a head began to resolve itself in the entry. Dave fired two rounds. The body fell. He held his position, weapon ready. Out back he heard an angry growl, "Hey, one of those women is my sister!" The reply was too low to understand the words, but the snideness came through clearly. As did the answering gunshot. What the hell is going on? They're shooting each other now? Hey, they don't need to be on my property for that! The fallen body in front of Dave slid backwards. Hands appeared from the foyer and the broken glass door, but they were empty. The hands gripped a pair of ankles of one downed man each and yanked them back to where the hands came from. This repeated for the second body near the glass door. Wet sickening sounds ensued, backed up by an occasional retching noise. Murmurs were heard. Someone said something about a marker and a bag. "David?!" Shawna's voice called from up the stairs. That wasn't the only sound from upstairs. Roscoe was barking his head off. Furtive whispers indicated some of his family were at the top of the stairs with Shawna. "Keep everyone up there. Open up the armory in the main closet and distribute weapons to the adults. Everything Lt. Malcolm Reed gave us is in there. Arm up and take defensive positions upstairs." That was a bluff. Hopefully enough of one to drive the attackers away. Dave was sure Shawna would recognize the name of the armory officer from Enterprise and catch on. The sounds from the foyer and back deck took on a hurried pace before Dave heard footsteps rushing away. Dave and Olivia exchanged glances, and then immediately darted their eyes back to the penetration points. This happened a few more times over the next several minutes. "Looks like we're clear." "Yeah, just stay on your toes." "I know. I grew up under the same guy that trained you, remember?" "Vividly." Cautious footsteps descended the stairs. "David, Olivia, it's Shawna. I'm coming down." Slowly, Shawna came into view, feet first on the exposed portion of the staircase. Her pink satin nightgown falling just past her knees gave her some coverage, but made Dave aware of the cold, damp air pouring in from both breaches. "Are you two okay? Is it safe?" "For now. We've got two big holes in the house, so maybe keep everybody up there where it's warm unless they're needed down here." Dave paused for a second. "Ask Nessa and Mel to look out the upstairs windows. See if they can spot these guys leaving, or lying in wait." Shawna disappeared upstairs, then came back down after a brief verbal exchange. Shawna came down to the lower landing and spoke briefly with Livy, giving her a hug. Then she came to Dave. She hugged him fiercely. Her voice shook as she said thickly, "For a little bit there, I thought I was going to lose you." "We held." Dave managed to keep most of the nervous tension and post-adrenaline shake out of his voice. By the look in her eye, Shawna wasn't fooled a bit. Dave led her to the beginning of the hallway, the cubby under the stairs. He whispered the passcode in her ear so she could unlock it. That had been the galling thing during the attack. His full stash of weapons had been right beside his shoulder, but he couldn't spare the attention to unlock it. Clearly, he needed to rethink his arrangements. Shawna handed out a thigh holster for him, which he only saw peripherally as he kept watch. The weight told him immediately she'd placed two pre-filled magazines in there for him. He pulled one out for a quick check. No use him having Livy's mags. "I go to the pistol range about every other month. Nothing fancy, but I'm a decent shot and I know the difference between ten mil and nine mil. What? It's a very satisfying skill to have, and a great way to blow off some stress." Dave chuckled and turned his head, with a quick lean to her and gave her a peck on the cheek. Then he stepped back out to his post. He felt Shawna walking out, so he moved to the other side of the hallway so she could make her way to Livy with the other thigh holster without crossing Dave's line of sight. She paused at his shoulder. "Dave, do you want the other weapons in there?" Dave thought for a minute. He knew which ones Shawna had to mean. He sighed, "Yeah. A tac vest and one of the MP5's. Tac vests should already have six loaded magazines in the pockets. Get two and give the other vest and weapon to Liv. Then find out if anyone upstairs has any weapons training. You said you shoot, how good are you?" Shawna handed out a vest first, which Dave quickly donned. "With silhouette targets, I can put four out of five rounds through the heart. Now, I haven't gotten to shoot since the lockdowns, but I was pretty regular before." She handed him one of the MP5's which Dave quickly slung over his head and shoulder, inserted a magazine he'd pulled from the vest and chambered a round, then safed the weapon. "Are those; ?" "Semiauto. Carter went to a lot of work to make sure we had everything we could legally have, but never anything illegal. They do have the integral noise suppressor. It was expensive as hell and took forever plus a mountain of paperwork, but it's all legal. At least in Texas." "God Bless Texas," she said with a gleam in her eye. Shawna gave him a quick kiss on the cheek before sauntering over to Livy, a thigh holster clutched in one hand, a tac vest in the other, and an MP5 slung over her neck. A second thigh holster, with a nine millimeter and magazines was strapped to her sleek, powerful thigh. Shawna handed off the gear to Olivia, then swiftly moved back to the concealed weapons closet. She was in there for quite a while before emerging. "There was only one more pre-loaded nine mil mag, so I had to load a few or just walk around with one. The second choice didn't sound viable." "Agreed." Dave grasped Shawna's bicep and pulled her in for a quick kiss on the cheek. She beamed at him after returning the kiss, then headed upstairs. Dave heard Liv saying something to Shawna as she passed by. An eternity and a short time later, two sets of footsteps descended the staircase. Melanie followed behind Shawna. "Carter and Liv both took me to the range several times. I even went to a tactical course once my aim was; acceptable. But only with pistol. I've never shot anything else." "Good enough. There's another thigh holster and pistol inside. What did Carter train you on? "Nine millimeter. He said it was so common it made a good starting point. Once with Liv, we rented shotguns at an outdoor range and I was decent with it." "Pistol will do fine. Shawna, help her get some magazines loaded. Has anyone called for police?" Mel swallowed nervously. "I didn't see anyone waiting in the back yard, but the deck;” "Yes?" "It's; disturbing. Dave, be careful." Dave nodded, as did Liv. Shawna spoke up as she followed Mel in. It was tight with two adults in there, but doable. At three it would have been cramped. "Lupie called. They didn't know how long before someone responds. They're stretched thin and the night shift is the least staffed." Wordlessly, she handed over a t-shirt she'd grabbed while she was upstairs. Dave slipped the tac vest off, donned the shirt, then the tac vest again. While he dressed, he spoke with his partners. "Fuck. Okay, here's what's gonna happen. You two take defensive positions on the stairs. One of you take the lower landing, one further up, just below the ceiling line. Then Liv and I will go out through the deck, and check the exterior all the way around." "I'll take the landing," Mel said. "I've had training with Carter, I should be the one exposed." "You sure?" Shawna prodded. "Yeah." "Okay, take your positions then." Dave kissed each one on the cheek before they walked away. When both had taken their places, Liv came over to him. Dave had one more instruction for Shawna. "Oh, and tell Lupie to call the police again, let them know we are clearing the grounds so they don't just shoot us on sight." Shawna nodded and crept upwards. Jan came down the stairs, bearing a pair of shoes for Dave and Liv, a pair of socks stuck into one shoe for each of them. After handing over the shoes, Jan headed back upstairs. They shod themselves quietly. "So, me on point?" Liv asked as she finished. "No, I'll take point, you cover me." "Dave, if anything happens to you, we're all in big trouble." "That's why you're watching my back. Otherwise, I'd go out there solo and leave you in charge here." "Like hell you would. I ain't some; " "I know you are capable, but I'm still going to shield you from as much risk as I can." Liv rolled her eyes. "Gee, I feel safe and offended all at once." Dave stared at her stony. "Are we done here? Ready to go?" "Shit, Dad really rubbed off on you. Yeah, let's do this." Olivia fell in behind Dave as he headed straight for the glass door breach. Both held their weapons ready, jutting forward with the strap taut around their necks and backs. Dave paused at the breach. "Off safe." "Roger." Dave examined the scene visible through the broken glass and the flapping curtain. Blood trails led out the breach from the various points where the bodies of the invaders had landed. He could see the legs of a few of them still on the deck. He turned his head to catch first Shawna's then Mel's eyes, nodded, and proceeded cautiously but swiftly out the breach. He swiveled right going out, knowing Liv would go left, just as her father had taught them for years. Each stopped at the furthest extension of the deck in their direction, scanning the deck and yard in a full semicircle, their backs to the house. There was no damage to the fence, and no apparent damage to the greenhouse or anything else in the backyard. The deck however; well, it wasn't damaged. The bodies on it were. Each had the pants and underwear pulled down and a huge bloody mess where the genitals once were. Blood continued to ooze out of the wounds, though clearly it had poured out initially. Dave signaled his intent to clear the greenhouse. Liv followed him. It didn't take long to clear. They emerged quickly, rescanning the backyard as they did. With Liv trailing, Dave exited the backyard through the side gate. The side yard showed no disturbance. In the front yard, they found the same gruesome sight as the back deck. Here though, they found an empty plastic baggie with blood spatter. And a few bloody fingerprints. The bag snagged under the heel of the corpse, ensuring the light wind was insufficient to blow it away. Dave and Liv finished the sweep, checking the other side yard, which showed no signs of disturbance. "I think we're safe, for now. These guys bugged out." "Yeah, but why did they cut their buddies' junk off?" Dave shivered, and not from the crummy weather. Well, maybe a little from the weather. He was barely dressed after all. "Let's get inside." Since the front door was still locked, they traipsed back through the side yard to the gate and came in through the broken glass door. "Coming in." Dave called before entering. "No sign of anyone out there." The relief on Mel and Shawna's faces was evident. Their shoulders relaxed slightly. "Can you two keep watch here? I'm gonna talk to the others, then we'll both get dressed, and then I'll call the police again." At the top of the stairs, four of Dave's partners wrapped him in hugs muttering their relief that he was still in one piece. He could see Lupie gazing at him, beseechingly as she held Esme close, soothing her. A loud bang against a door at the end of the hall reminded Dave of other necessities. "You better go let Roscoe out so he can see that we're all intact," Dave chuckled. As Olivia opened the door, Roscoe bolted from the room, turning only when she bellowed "Roscoe, Heel." That cut through his canine brain fog of 'defense mode'. He turned to her, sniffing as if checking on her condition. Liv knelt in front of him. She placed her hands on either side of his face and began stroking his neck and back while speaking softly, in calm tones. After a few whimpers, he started aggressively licking her face and putting his paws on her shoulders. Addressing his family, Dave said, "Liv and I need to get dressed. We need to call the police again, and we need to get those holes sealed." "Holes?" Jan asked. "Yeah, they busted in the sliding door and a window in the parlor. It's not quite as cold and miserable downstairs as it is outside, but it's close enough. For now, stay upstairs unless you have something you need to do down there. You can still run down to grab a book, or make meals or snacks. For tv, use the spare room that Shawna uses when she has morning shifts." "We could just use our laptops for streaming, Dave. We'll be fine." Reena added. She looked a bit bleary. To be fair, everyone seemed caught in some whipsaw state of alert and drowsy. Not surprising, given what they'd just been through. Dave patted her on the shoulder and kissed the crown of her head in appreciation. Releasing Reena, Dave knelt in front of Esme, who was showing clear signs of worry and strain. He enveloped her in his arms and held her close. "It's okay now, baby girl. We're all okay now." He held her, stroking her hair and back soothingly. After several minutes had passed, he loosened his grip and began to stand. Esme's arms immediately came up, wrapping Dave in a vise-grip hug. She didn't say anything, she didn't cry or whimper. She just clutched him tightly. Dave eyed Lupie, but she just looked back at him imploringly. He reached a hand out to her and she grabbed on immediately. He looked around at the others and saw the need for reassurance was still there. Olivia had already slipped into her room with Roscoe to get dressed. Becca, Reena, Jan, Nessa and Lupie all rushed to surround him the moment he waved his hand to 'bring it in'. Esme was wedged between Dave and Lupie. She finally relaxed her grip on Dave, and switched over to her mother. With a silent chuckle, Dave kissed Lupie on the cheek and slipped off to the master bedroom. Jan followed after him. "I thought I'd call the police and put it on speaker so you could talk to them while getting dressed." Dave nodded, then wrapped her in a hug and gave her a closed mouth kiss that was no less affectionate for its chasteness. Reluctantly, he released her and headed into the closet to collect some clothes. Jan dialed 911 as soon as Dave emerged. Police staffing was so low, all calls went through the emergency center. Long held habits are hard to break, though. Especially when those habits are codified in a manual. That's what they call 'procedure'. "911, what's your emergency?" "We called earlier about a break in. The people trying to break in have left, except the ones we shot," Dave called out in clear, even tones for the speaker. "Is anyone injured?" The operator droned, as if she been on duty too long, too many days in a row. "No, ma'am," Dave said. "No one in my family was hit, and the ones we shot are dead." "Are you sure they're dead?" "Yes ma'am. The guy that taught me how to shoot didn't teach me to miss. Besides, before they left, the invaders; mutilated the bodies. If they hadn't died from the gunshots, they'd have died from the blood loss." Dave was watching Jan's face when he mentioned the mutilation. Not the best choice, since he nearly fell over pulling on his cargo pants. It did allow him to see the flinch that briefly flitted across her face before she reasserted control. "Did you say mutilated, sir?" The tones were even, obviously someone that had worked 911 for years. Still, there were notes of 'oh shit' blended with 'what fucking else?' "I did." "Would you please specify the nature of the mutilation?" "The genitals of the deceased were removed." A short silence reigned on the line. "Could you repeat that sir?" The operator's voice sounded slightly more alert. Dave pulled his pre-tied sneakers on as he said, "the scrotum was removed from each of the corpses." This conversation was now added to the thick stack of reasons to be very glad of the distance between the master bedroom and Esme's bedroom. Lupie and the others had taken her there when Dave walked away. Between the walk-in closet and Dave's office, there was little chance sounds from the bedroom penetrated that far. "Are you certain the perpetrators have left?" "Yes ma'am, one of my partners and I swept the area; our yard anyway; and found no one remaining. All we found were the bodies that the survivors had drug back out of the house and carved up." "So the shooting happened inside the house?" "Correct." "I'm noting all this in the file sir. I'm appending this report to the prior calls your partner made requesting assistance. Since you are no longer in immediate danger, I am diverting the patrol response. They will get to you to you after attending to higher level calls." Even as she spoke, the woman's voice grew more exhausted, like a Walmart employee on Black Friday at about 3pm. "It's been almost an hour since the initial break in. Why has it taken so long?" "Sir, I'm not at liberty to discuss that, but I do apologize. I have no control over response times. I will dispatch a detective to investigate as well. Until then, please leave the scene undisturbed." "How long will that take? Can you give me an estimate?" "Probably a few hours, sir. There are very few detectives working night shift, so they'll likely hand this over to the dayshift investigators." "Hours? These guys busted in my sliding door and broke a large window in the parlor. It's making for quite a chilly cross breeze. And that's not even counting the blood stains and blood trails in my living room and entryway." Dave's voice had begun to rise. "Sorry, I'm trying to maintain a level tone here, but that's a bit difficult given what's happened and what you're telling me." The voice on the other end reached its most hollow state. "I'm sorry sir, I can't change those realities. Please understand that it will be three hours minimum before a detective would reach you. More likely it will be three hours before a detective is assigned to your case. Patrol won't take that long, but it won't be immediate." Dave took a deep, cleansing breath. It was only marginally useful, but it helped him keep his tone level. "And what is the longest likely time before a detective gets out here?" "Possibly six to eight hours sir." "That's; " Dave caught himself. And formed a plan immediately. "Fine. We'll be ready when the detective arrives." He hung up. Dave took a deep breath, staring intently at the far wall, fully aware of Jan quietly and patiently waiting off to his right. He rubbed his face, then snatched up his t-shirt and pulled it on. "Okay, let's meet with everyone else. I have a plan, and we can deal with this." Dave said as he stood. With a concerned look to Niki's slumbering form, he strapped the thigh holster in place and fastened the tac vest as he walked. The MP5 he slung over his neck and shoulder, then pulled around to his back. To be continued in part 9, Based on a post by RonanJWilkerson, in 12 parts, for Literotica.

2025 ist durch. Vorbei. Bah! So alt und verbraucht! Zeit, dass wir uns ein schönes, neues Jahr suchen, dass wir uns an den Arm hängen können! Da kommt 2026 jetzt natürlich wie gerufen. Aber Vorsicht! Augen auf, beim Neujahrskauf! Gerade um die Zeit der Jahreswende kommen viele hübsche neue Jahre angelaufen und wollen sich euch aufdrängen! Ist 2026 überhaupt so schick und glitzernd neu, wie es tut? Wir haben das für euch unter die Lupe genommen: Zustand der Zähne? Schnarcht es? Will es nur euer Geld? Verspricht es endlich Frieden und Wohlstand? Finden wir es gemeinsam raus! Timecodes: 00:00:00 - Einleitung 00:09:41 - Trailerschau 00:14:52 - Divinity 00:19:57 - Gang of Dragon 00:24:08 - Gate Guard Simulator 00:29:37 - Order of the Sinking Star 00:36:28 - Ace Combat 8 00:41:46 - Vorfreude: Saros 00:46:32 - The Fortress 00:54:08 - Psychotic Bathtub 00:58:15 - Mandrake 01:01:51 - Slay the Spire 2 01:06:18 - Bradley the Badger 01:11:39 - Capcom 01:19:00 - Die Skepsis-Runde 01:41:13 - Hoffnungen und Wunschspiele 2026 01:55:18 - Prognosen

Elizabeth turned fear into confidence, buying her first home at 26 in Ohio with smart strategy, a DIY mindset, and just 5% down. When Elizabeth first reached out, she described the homebuying process as "daunting" and didn't want to get screwed. But just a few months later, she and her husband closed on a $164K home in Ohio — fully prepped, budget-savvy, and calm under pressure. In this episode, she walks through every step: from tackling a floor renovation herself to choosing an ARM loan and why she only put 5% down, even with 20% in savings. If you're a first-time buyer wondering whether you're ready — Elizabeth's story proves you probably are. "You're already there. If you're listening to this podcast, you're already on your way to feeling better about all the decisions you have to make." — Elizabeth, first-time homebuyer in Ohio HighlightsHow Elizabeth and her husband bought below budget and under market valueWhy they opted for a 5% down payment instead of 20%, even with the cash on handThe real math on PMI, ARM loans, and what their monthly payments turned out to beRenovating their floors DIY-style and planning projects before moving inWhat she learned about choosing layout, neighborhood, and long-term flexibility Connect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

Headline ads often quote temporary buydowns, ARM teaser rates, or perfect-credit scenarios that very few borrowers qualify for.The real, fully indexed 30-year fixed rate is meaningfully higher once you look at actual pricing.“No closing costs” usually means one of three thingsLender credits: The borrower pays through a higher interest rate.Seller concessions: Only possible if the seller agrees — not universal.Costs rolled into the loan: Still paid, just financed over time.Rate buydowns are being marketed as permanent2-1 or 1-0 buydowns lower payments only for the first year or two.Many borrowers don't realize their payment will increase later.AI-driven and online lenders amplify the issueAutomated platforms advertise best-case pricing without explaining:LLPAsDTI adjustmentsCredit overlaysProperty type impactsWhat customers should be told instead (plain truth)There is always a trade-off between rate and costs.If closing costs are “covered,” the rate will be higher.If the rate is lower, the borrower is paying for it upfront.There is no free money — just different ways to pay.How professionals are reframing the conversationShowing side-by-side scenarios:Low rate / higher costsHigher rate / lender creditFocusing on total cost over time, not just the rateExplaining break-even points clearlyGiven your background in mortgages and rate behavior, this kind of misrepresentation usually shows up late in the process, when the borrower sees the LE and feels misled.If you want, I can help you:tune in and learn https://www.ddamortgage.com/blogdidier malagies nmls#212566dda mortgage nmls#324329 Support the show

So what does Windows want for Christmas? Paul Thurrott is back to talk about everything that happened to Windows in 2025, and what that might hold for 2026. Paul talks about Pavan Davuluri being promoted to President of Windows & Devices - and reunifying the Windows Client and Windows Core teams. That sets up an opportunity to make some significant moves from Windows, which, of course, will involve AI - although the reaction to the public when Pavan said as much was not all that positive. Windows has plenty of problems to address, but one of the brighter notes is Windows on ARM and the Snapdragon processor. And maybe, just maybe, someone's wish will come true, and we'll see Windows 12!LinksPavan's Famous AI TweetM365 CopilotMicrosoft LoopMicrosoft RecallRecorded December 16, 2025

Keywords: Luke,Book of Luke,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?

In der heutigen Folge sprechen die Finanzjournalisten Nando Sommerfeldt und Holger Zschäpitz über einen Sam Altman im Attacke-Modus, die prominenten MDax-Aufsteiger und 7 Bücher, die Euch helfen, das globale Chaos besser zu verstehen. Außerdem geht es um Alphabet, Nvidia, Tencent, Softbank, T-Mobile, Nvidia, Arm, Biogen, Lululemon, ON Semiconductor, GlobalFoundries, CDW, The Trade Desk, Alnylam Pharmaceuticals, Seagate, Western Digital, Insmed, Monolithic, Ferrovial, Meta, Tesla, Apple, Microsoft, Broadcom, T-Mobile, Applovin, Palantir, Aumovio, TKMS, Hellofresh, Gerresheimer, Teamviewer, Ottobock, Tonies, Verbio, PSI Software, LPKF, Stratec, Thyssenkrupp Nucera, Formycon, Procredit, Amadeus Fire, iShares MSCI EM SRI ETF (WKN: A2AFCZ), Xtrackers MSCI World Health Care ETF (WKN: A113FD), L&G Cyber Security ETF (WKN: A14WU5), iShares STOXX Europe 600 Construction & Materials ETF (WKN: A0H08F), iShares Core MSCI World ETF (WKN: A0RPWH), (Xtrackers MSCI Emerging Market ETF (WKN: A12GVR), Amundi Core MSCI Japan ETF (WKN: LYX0YC), iShares Core MSCI Europe ETF (WKN: A0RPWG), Xtrackers MSCI USA ETF (WKN: A1XB5V), NASDAQ-100 ETF (WKN: A0F5UF), JPMorgan US Research Enhanced ETF (WKN: A2DWM7), Xetra-Gold (WKN: A0S9GB, Euwax Gold II (WKN: EWG2LD), iShares Global Corporate Bond EUR (WKN: A1W02Q), Xtrackers II EUR Overnight Rate ETF (WKN: DBX0AN). Die aktuelle "Alles auf Aktien"-Umfrage findet Ihr unter: https://www.umfrageonline.com/c/mh9uebwm Wir freuen uns an Feedback über aaa@welt.de. Noch mehr "Alles auf Aktien" findet Ihr bei WELTplus und Apple Podcasts – inklusive aller Artikel der Hosts und AAA-Newsletter.[ Hier bei WELT.](https://www.welt.de/podcasts/alles-auf-aktien/plus247399208/Boersen-Podcast-AAA-Bonus-Folgen-Jede-Woche-noch-mehr-Antworten-auf-Eure-Boersen-Fragen.html.) [Hier] (https://open.spotify.com/playlist/6zxjyJpTMunyYCY6F7vHK1?si=8f6cTnkEQnmSrlMU8Vo6uQ) findest Du die Samstagsfolgen Klassiker-Playlist auf Spotify! Disclaimer: Die im Podcast besprochenen Aktien und Fonds stellen keine spezifischen Kauf- oder Anlage-Empfehlungen dar. Die Moderatoren und der Verlag haften nicht für etwaige Verluste, die aufgrund der Umsetzung der Gedanken oder Ideen entstehen. Hörtipps: Für alle, die noch mehr wissen wollen: Holger Zschäpitz können Sie jede Woche im Finanz- und Wirtschaftspodcast "Deffner&Zschäpitz" hören. +++ Werbung +++ Du möchtest mehr über unsere Werbepartner erfahren? [**Hier findest du alle Infos & Rabatte!**](https://linktr.ee/alles_auf_aktien) Impressum: https://www.welt.de/services/article7893735/Impressum.html Datenschutz: https://www.welt.de/services/article157550705/Datenschutzerklaerung-WELT-DIGITAL.html

OpenAI blijft maar in waarde exploderen. Maar de Japanse investeringsbank Softbank gelooft in nog veel meer groei voor de maker van ChatGPT. Ze beloofde in april al 22 miljard dollar te investeren, maar dat geld moet nu voor het einde van het jaar bij elkaar zijn. Dus trekt het bedrijf geld uit alle hoeken: personeel moet de deur uit, investeringen worden uitgesteld en zelfs Softbanks belang in Nvidia moest ervoor wijken. Nogal een gok. Of het de gok ook waard kan zijn, bespreken we deze aflevering. Daarin krijg je ook de nieuwste aflevering uit de overnamesoap tussen Netflix en Paramount. Voor iedereen die nog twijfelde of Paramount die 108 miljard wel bij elkaar krijgt, is daar vandaag: Larry Ellison. De baas van Oracle en papa van David Ellison, de ceo van Paramount, staat garant voor ruim 40 miljard dollar. Daarmee probeert het de Warner Bros-aandeelhouders duidelijk te maken: ons bod is veilig. Of dat genoeg gaat zijn om ze te overtuigen, zoeken we voor je uit. Kijken we ook nog naar China, waar het ene na het andere AI-bedrijf naar de beurs wil. We vertellen je over weer een miljardenmeevaller voor Elon Musk. En je hoort waarom Triodos de mist in gaat in Duitsland. En dat komt het aandeel duur te staan. Te gast: Stan Westerterp van Bond Capital Partners.See omnystudio.com/listener for privacy information.

Keywords: Luke,Book of Luke,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?

De engelska långbågsskyttarnas dödliga pilregn förknippas ofta med de spektakulära segrarna vid Crécy (1346), Poitiers (1356) och Azincourt (1415) under det utdragna hundraårskriget (1337–1453). Enligt legenden kunde välriktade salvor av pilar fälla hela kavallerianfall av tungt rustade franska riddare. Men hur stor betydelse hade egentligen långbågarna – och vad är myt?I reprisen av Militärhistoriepodden diskuterar historieprofessor Martin Hårdstedt och doktoranden Peter Bennesved långbågens roll i medeltida krigföring. Med egna erfarenheter av bågskytte bidrar Peter till samtalet med praktiska insikter om bågar, dragstyrka och teknik. Diskussionen rör sig också kring frågan: var långbågen verkligen mer effektiv än armborstet?Under hundraårskriget valde engelsmännen att rusta sina trupper med långbågar, medan fransmännen i större utsträckning satsade på armborstet. Båda vapentyperna hade sina styrkor och svagheter – långbågen krävde lång träning men kunde avlossa många pilar snabbt, medan armborstet var enklare att använda men långsammare i eldgivningen.Men det handlar om mer än bara vapen. Hundraårskriget var en av Europas mest utdragna och destruktiva konflikter, där feodala lojaliteter och dynastiska ambitioner formade en lågintensiv men förödande väpnad kamp om kontrollen över det franska kungadömet. Arméerna var små i jämförelse med senare tiders, och kärnan bestod ofta av tungt utrustade riddare, utbildade i den tradition som formats under korstågens tid.De engelska långbågarna symboliserar ett skifte i Västeuropas krigföring: från riddarideal och närstrid till en mer taktisk användning av avståndsvapen. Krigen under denna period speglar också en tid då Europas furstar hade begränsade resurser och militär makt. I många avseenden var krigföringen under medeltiden fortfarande outvecklad, särskilt jämfört med både antiken och den moderna eran som skulle ta form fram till Napoleonkrigen. Bild: Slaget vid Crécy från det illustrerade manuskriptet av Jean Froissants krönika från 1400-talet. Hosted on Acast. See acast.com/privacy for more information.

Nommé en 2017, Antoine de Romanet est évêque aux armées françaises, fonction singulière à la croisée de l'Église et de l'État. Désigné par le pape et agréé par le ministre des Armées, il est responsable du culte catholique au sein des forces armées, de la gendarmerie, des services de renseignement et des sapeurs-pompiers de Paris et de Marseille. Son parcours est marqué par une solide formation académique — Sciences Po Paris, doctorat d'économie — et par dix-sept années passées à l'étranger. Il a vécu successivement au Caire, à Bruxelles, à Rome puis à Washington, une expérience qu'il décrit comme décisive pour penser le monde au-delà des prismes nationaux, notamment au contact des institutions internationales. À la tête d'un réseau de 210 aumôniers militaires, épaulé par une quinzaine de collaborateurs à Paris, Antoine de Romanet sillonne en permanence la France et l'étranger au contact des militaires. Observateur attentif des mutations technologiques, il s'exprime régulièrement sur les enjeux éthiques liés à l'intelligence artificielle, rappelant que, par construction, celle-ci « ne connaît ni la vie, ni la mort, ni l'amour », et plaide pour le maintien de la responsabilité humaine au cœur du commandement. Hébergé par Acast. Visitez acast.com/privacy pour plus d'informations.

Cette semaine, on vous emmène loin des centres et des évidences, avec deux premiers films portés par des cinéastes qui abordent la fiction comme un terrain d'exploration sensorielle, morale et politique. «Le pays d'Arto» (de Tamara Stepanyan) et «L'Engloutie» (de Louise Hémon) : deux films qui partagent une même attention aux territoires, aux corps déplacés, et à ce que le cinéma peut révéler quand il accepte l'incertitude, qui placent aussi, au centre du cadre, des héroïnes confrontées à l'inconnu. «Le pays d'Arto» : Céline arrive pour la première fois en Arménie afin de régulariser la mort d'Arto, son mari. Elle découvre qu'il lui a menti, qu'il a fait la guerre, usurpé son identité, et que ses anciens amis le tiennent pour un déserteur. Commence pour elle un nouveau voyage, à la rencontre du passé d'Arto : invalides des combats de 2020, vétérans des batailles victorieuses des années 90, hantises d'une guerre qui n'en finit jamais. Une femme court après un fantôme. Comment faire pour l'enterrer ? Peut-on sauver les morts? «L'Engloutie» : 1899. Par une nuit de tempête, Aimée, jeune institutrice républicaine, arrive dans un hameau enneigé aux confins des Hautes-Alpes. Malgré la méfiance des habitants, elle se montre bien décidée à éclairer de ses lumières leurs croyances obscures. Alors qu'elle se fond dans la vie de la communauté, un vertige sensuel grandit en elle.

Try OCI for free at http://oracle.com/eyeonai  This episode is sponsored by Oracle. OCI is the next-generation cloud designed for every workload – where you can run any application, including any AI projects, faster and more securely for less. On average, OCI costs 50% less for compute, 70% less for storage, and 80% less for networking.  Join Modal, Skydance Animation, and today's innovative AI tech companies who upgraded to OCI…and saved. Why is AI moving from the cloud to our devices, and what makes on device intelligence finally practical at scale? In this episode of Eye on AI, host Craig Smith speaks with Christopher Bergey, Executive Vice President of Arm's Edge AI Business Unit, about how edge AI is reshaping computing across smartphones, PCs, wearables, cars, and everyday devices. We explore how ARM v9 enables AI inference at the edge, why heterogeneous computing across CPUs, GPUs, and NPUs matters, and how developers can balance performance, power, memory, and latency. Learn why memory bandwidth has become the biggest bottleneck for AI, how ARM approaches scalable matrix extensions, and what trade offs exist between accelerators and traditional CPU based AI workloads. You will also hear real world examples of edge AI in action, from smart cameras and hearing aids to XR devices, robotics, and in car systems. The conversation looks ahead to a future where intelligence is embedded into everything you use, where AI becomes the default interface, and why reliable, low latency, on device AI is essential for creating experiences users actually trust. Stay Updated: Craig Smith on X: https://x.com/craigss     Eye on A.I. on X: https://x.com/EyeOn_AI 

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

GPUs dominate today's AI landscape, but Google argues they are not necessary for every workload. As AI adoption has grown, customers have increasingly demanded compute options that deliver high performance with lower cost and power consumption. Drawing on its long history of custom silicon, Google introduced Axion CPUs in 2024 to meet needs for massive scale, flexibility, and general-purpose computing alongside AI workloads. The Axion-based C4A instance is generally available, while the newer N4A virtual machines promise up to 2x price performance.In this episode, Andrei Gueletii, a technical solutions consultant for Google Cloud joined Gari Singh, a product manager for Google Kubernetes Engine (GKE), and Pranay Bakre, a principal solutions engineer at Arm for this episode, recorded at KubeCon + CloudNativeCon North America, in Atlanta. Built on Arm Neoverse V2 cores, Axion processors emphasize energy efficiency and customization, including flexible machine shapes that let users tailor memory and CPU resources. These features are particularly valuable for platform engineering teams, which must optimize centralized infrastructure for cost, FinOps goals, and price performance as they scale.Importantly, many AI tasks—such as inference for smaller models or batch-oriented jobs—do not require GPUs. CPUs can be more efficient when GPU memory is underutilized or latency demands are low. By decoupling workloads and choosing the right compute for each task, organizations can significantly reduce AI compute costs.Learn more from The New Stack about the Axion-based C4A: Beyond Speed: Why Your Next App Must Be Multi-ArchitectureArm: See a Demo About Migrating a x86-Based App to ARM64Join our community of newsletter subscribers to stay on top of the news and at the top of your game.  Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

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  

[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.

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 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.

(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.

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

Answering Kevin De Young's Questions About Christian Nationalism*MINISTRY SPONSORS:*Backwards 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.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.comGray 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

- 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

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