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

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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  

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

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

Sigma Olomouc přehrála v konferenční lize dosud neporažené Celje poměrem 2:1. Tedy stejným výsledkem a také stejným způsobem hry jako naposledy v Arménii. Vysoký presink, nátlaková hra a fyzické pojetí fotbalu totiž kombinačně hrajícím týmům jako Noah a Celje moc nechutnají.

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

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

Happy Thanksgiving! To celebrate, we bring you an episode that features exotic cuisine. The Travellers barely escape Menorb ahead of the Imperial battlecruiser Luuru. While in jumpspace, they hack their transponder and officially become the crew of Le Poète Armé, or The Armed Poet. In the vast asteroid belt of Louzy, they tie up at a ramshackle mining station called Jenner's Rest.

Renten-Zoff: Junge Union rebelliert gegen Merz | Wie Trump die Ukraine verscherbelt | Kreml-Freunde der AfD | Kaputt gesparte Kommunen, Populisten & Frust - Christian Ehring zeigt den Irrsinn der Woche.

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

Invité : Jean-Louis Thiériot, député LR de Seine-et-Marne, membre de la Commission défense et ancien ministre délégué auprès du ministre des Armées et des Anciens combattants Hébergé par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

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In this second of a two-part special series on the Arm Viewpoints podcast, we explore how cutting-edge wind tunnel technology and virtual-first development workflows are transforming Formula 1 engineering, creating new possibilities for rapid innovation and aerodynamic advancement. It's a fascinating conversation between John Kourentis, Arm's, director of automotive go to market and Charlie Blackwell, head of electronics for the Aston Martin Aramco Formula one team.

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

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

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

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

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

Jesse Arm (X, Substack) is the Vice President of External Affairs at the Manhattan Institute. He joins the podcast to talk about his recent article, “Ezra Klein's Blindspot.” Along with Richard Hanania, he discusses whether there really is a pro-abundance future for the Democrats. The conversation involves a comparison of the two parties, and a debate over what is happening on both sides of the political spectrum. Hanania mentions self-driving cars as a perfect experiment to test which side is more likely to embrace progress, and thus far it has been red states that have been more open to the technology. Hanania and Arm disagree strongly about JD Vance, and what he says about the future of the GOP. Recently, Rod Dreher made waves by suggesting that perhaps 30% to 40% of Republican staffers are Groypers. As Arm's job involves dealing with this class of people, he has particular insight into that issue. Hanania is interested in not only whether they are personally fans of Nick Fuentes, but also what their views are about Ronald Reagan and how they think about political issues more generally.Arm also explains the dynamics of the recent NYC mayoral race. How did Mamdani end up winning? And why couldn't the Republicans field a serious challenger? The conversation provides much to consider for those who believe that embracing markets and new technology is the best way to achieve economic growth but feel alienated from both major parties right now. Arm and Hanania also handicap the 2028 Democratic race, discussing how Alexandria Ocasio-Cortez might rise to the top due to the moderate wing being split, in the same way that Biden had a lane open to him in 2020. For more articles by Arm and other Manhattan Institute scholars, subscribe to the City Journal Substack. Related LinksJesse Arm, “Ezra Klein's Blindspot”Richard Hanania, “The Broad Lessons of YIMBY”Richard Hanania, “Boomer Liberalism Must Be Overcome” (conversation with Derek Thompson)Richard Hanania interviews State Senator Scott Weiner on the YIMBY victory in CaliforniaTimothy B. Lee and Kai Williams, “Waymo's Next Five Cities Are All in Red States”JD Vance on the problems of Appalachia Get full access to Center for the Study of Partisanship and Ideology at www.cspicenter.com/subscribe

Will It Be Peace or Persecution? (1) (audio) David Eells – 11/23/25 The short answer is: It depends on what you need to be ready to face the Lord. Some of this report is bad news. I suggest you pray for God's people and against the threats. I want to share two parables of Babylon. New York City has been known to be a Babylon. Also, the United States has been known as a type of Babylon. The lesser is a warning to the greater. As we can see, Zohran Mamdani, who is clearly representing Muslims, who lies and most of what he promised cannot come to pass. He is apparently by his own words a communist. There is proof out there that the vote count has once again been manipulated. The political left is clearly believing that this is their ticket to get back into power, which is waking people up. Zohran's intern has explained that electing him is part of a Jihad and holy war. This is obviously a call to all the hidden forces of Islam and communists to come to his aid. New York City will draw like a magnet these forces to come to them and join their political, legal, and law enforcement to support him. Lawlessness will be legalized there; crime will be rampant. Exactly what we see in the invasion of Europe and Scandinavia are being established in NY. However factious leftists are by far the greatest threat to the whole country. Tribulation and persecution for Christians will also manifest. It is ordained of God because “Christianity” is not Christian. Revival is coming because of persecution. Obama has joined himself to Zohran as an advisor, for Zoran has no political experience. Obama has been prophesied as an Alexander the Great to overthrow the US. (Of which we will speak of later.) He has acknowledged this but thinks it to be a great thing. We are going through repeats of history, which must happen as the scripture has said in Ecc.1:9 That which hath been is that which shall be; and that which hath been done is that which shall be done: and there is no new thing under the sun. Three succeeding empires of history are being repeated. We have been under the DS leftist Babylonian Empire. This was and is being conquered by Cyrus/Trump of the Medo-Persian Empire. We are preparing to go under the Grecian Empire of Alexander the Great. You are seeing the preparation for this one now. It will end with the mark of the beast in Revelation 13. These are not sudden changes but a fading in and a fading out. Preparations must be made. The sooner Christians will become disciples of Christ, Who is the Word, the sooner God will have mercy, and we will escape some of this. The camel's head is in the tent; the body follows. Get out of the big sin cities; judgment will fall there. Brain drain and economic collapse will come to NY. Low IQ will follow the leftist policies, as we can see already. Last I heard over 350 police have fled and Mamdani has said he will replace them with social workers. How does this work when they face people with guns? Most of the crime in the US is in these blue cities. Natural and unnatural catastrophes will come there.  New age foolishness is all through the Alliance, NESARA, GCR, movement. They call it the “Golden Age” and “thousand years of peace and prosperity.” But it will be cut short because the Book of Revelation now comes with its tribulation wilderness, as Israel found out when they came out of Egypt with their gold in their pockets. They ground it up and threw it in the river; it was so valuable. While it lasts, it will help get the gospel to the world, and the end will come.  Where does the Book of Revelation declare we are going? Rev.12:1 And a great sign was seen in heaven: a woman (The worldwide Church) arrayed with the sun(/Son), and the moon (reflecting the light of the sun/Son) under her feet, and upon her head a crown of twelve stars (knowledge from the 12 apostles); 2 and she was with child; and she crieth out, travailing in birth, and in pain to be delivered. 3 And there was seen another sign in heaven: and behold, a great red (communist) dragon, having seven heads (The worldwide seed of the 7 biblical beasts who ruled God's people) and ten horns (The worldwide 10 continental divisions of the earth. The dragon was the god of Babylon, which is now worldwide.), and upon his heads seven diadems. 4 And his tail draweth the third part of the stars of heaven (The falling away of 1/3 of the seed of Abraham according to faith, which God said was as the stars.), and did cast them to the earth (lost their place in heaven): and the dragon standeth before the woman that is about to be delivered, that when she is delivered he may devour her child. 5 And she was delivered of a son, a man child, who is to rule all the nations with a rod of iron: and her child was caught up unto God, and unto his throne. 6 And the woman fled into the wilderness, where she hath a place prepared of God, that there they (the man-child body) may nourish her a thousand two hundred and threescore days (As their type Jesus did). 7 And there was war in heaven: Michael and his angels going forth to war with the dragon; and the dragon warred and his angels; 8 and they prevailed not, neither was their place found any more in heaven. 9 And the great dragon was cast down, the old serpent, he that is called the Devil and Satan, the deceiver of the whole world; he was cast down to the earth, and his angels were cast down with him. 10 And I heard a great voice in heaven, saying, Now is come the salvation, and the power, and the kingdom of our God, and the authority of his Christ: for the accuser of our brethren is cast down, who accuseth them before our God day and night. 11 And they overcame him because of the blood of the Lamb, and because of the word of their testimony; and they loved not their life even unto death. 12 Therefore rejoice, O heavens, and ye that dwell in them. Woe for the earth and for the sea: because the devil is gone down unto you, having great wrath, knowing that he hath but a short time. 13 And when the dragon saw that he was cast down to the earth, he persecuted the woman that brought forth the man-child. (through fake Christianity and left wing communist Islam) 14 And there were given to the woman the two wings of the great eagle (man-child overcomers), that she might fly into the wilderness unto her place, where she is nourished for a time, and times, and half a time (Man-child feeds her for 1st 31/2 years of wilderness trib as it was with the disciples of Jesus.), from the face of the serpent. 15 And the serpent cast out of his mouth after the woman water as a river, that he might cause her to be carried away by the stream. 16 And the earth helped the woman, and the earth opened her mouth and swallowed up the river which the dragon cast out of his mouth. (Jesus gave us the Living waters of His Word and the devil gives us the killing waters of the beast.) 17 And the dragon waxed wroth with the woman, and went away to make war with the rest of her seed, that keep the commandments of God, and hold the testimony of Jesus: (Then the dragon becomes a worldwide beast who hates the saints and creates the mark to get rid of them.) Rev.13:1 and he stood upon the sand of the sea. And I saw a beast coming up out of the sea, having ten horns and seven heads, and on his horns ten diadems, and upon his heads names of blasphemy. (They become their own god as men always do.) … 4 and they worshipped the dragon, because he gave his authority unto the beast; and they worshipped the beast, saying, Who is like unto the beast? and who is able to war with him? (Because it is a one world order and army.)… 7 And it was given unto him to make war with the saints, and to overcome them: and there was given to him authority over every tribe and people and tongue and nation. 8 And all that dwell on the earth shall worship him, every one whose name hath not been written from the foundation of the world in the book of life of the Lamb that hath been slain. Then they repeat Emperor Constantine's solution. Because the Empire was divided by antichrist religions, they created a different kind of beast; a one-world religion to force people to worship the political beast, a form of patriotism and pledge of allegiance. … 11 And I saw another beast coming up out of the earth; and he had two horns like unto a lamb (A false Jesus), and he spake as a dragon. 12 And he exerciseth all the authority of the first beast in his sight. And he maketh the earth and them that dwell therein to worship the first beast, whose death-stroke was healed. 13 And he doeth great signs, that he should even make fire to come down out of heaven (DEW weapons) upon the earth in the sight of men. 14 And he deceiveth them that dwell on the earth by reason of the signs which it was given him to do in the sight of the beast; saying to them that dwell on the earth, that they should make an image to the beast who hath the stroke of the sword and lived. (Cyrus/Trump is killing the beast and they will resurrect it.) 15 And it was given unto him to give breath (Greek: spirit) to it, even to the image of the beast, that the image of the beast should both speak (The image of the beast is the people as in Daniels vision), and cause that as many as should not worship the image of the beast should be killed. (As it was with Daniel and the three Hebrews) 16 And he causeth all (All the lost people are identified as the beast by its mark), the small and the great, and the rich and the poor, and the free and the bond, that there be given them a mark on their right hand (works), or upon their forehead (mind); 17 and that no man should be able to buy or to sell, save he that hath the mark, even the name of the beast (Name meaning, the nature, character, and authority of the beast or the flesh) or the number of his name. 18 Here is wisdom. He that hath understanding, let him count the number of the beast; for it is the number of a man: and his number is Six hundred and sixty and six. (666) Paul said if we walk after the flesh we must die. Whereas the next verse speaks of the man-child company who will lead the people to have the name, meaning the nature, character, and authority of the Lord in their mind and works.) 14:1 And I saw, and behold, the Lamb standing on the mount Zion, and with him a hundred and forty and four thousand (Man-child body), having his name, and the name of his Father, written on their foreheads. … 4 These are they that were not defiled with women (the sects or denominations of men); for they are virgins (receiving no seed of man but the Lord as the Parable of the Sower says). These are they that follow the Lamb whithersoever he goeth. These were purchased from among men, to be the firstfruits unto God and unto the Lamb. 5 And in their mouth was found no lie: they are without blemish. (Notice, they do not believe or speak the lies of religion. The truth will set us free.)   Obama Conquers US, Then Dies? David Eells - 2008 Obama Assassinated Rick Sergent - 07/15/2008, 08/24/2008 I say this with great reluctance. I was visiting my friend Mary in Indiana on 7/15/08. I was in her kitchen, at the table. I heard in my spirit, “Obama will be assassinated.” This really brought sorrow to my spirit… I struggled about going public with this. Then on 8/24/08 I was talking on the phone with a friend about that three-year-old missing girl in Florida when I saw a vision of a round tombstone and Obama's name was on it. That made me decide to share this.   Obama Inaugurated and Assassinated Eve Brast - 07/19/2008 As I watched Mr. Obama give a speech, I looked left down the street and had an open vision of his inauguration outside another government building with another crowd around him. It was still dark in this dream and in the open vision, also. (He is acting as another president in darkness and gathering his army.) I felt and thought “tragedy” when I looked at him. The next word that came to my mind was “assassination.” I thought to myself, “It is a shame he will be sacrificed and doesn't even know it.” Will Barack Obama conquer the great eagle of Babylon, as a type of the U.S., and then use it to conquer Persia (Cyrus/Trump), just as Alexander the Great conquered Persia before he died? Will he conquer Cyrus/Trump? Will this bring in the tribulation and persecution of the saints? Robert I. Holmes said the following: In 1999, as I prepared to travel to the US on ministry, the Lord gave me a very unusual prophetic word. He said that, “In the days of Babylon (the U.S.), when her walls stood wide and her leaders stood tall, her defenses were strong and her campaigns victorious, Alexander the Great (Obama) came and defeated her. In the same way, my Alexander will stand in the very midst of the United States of America”. I believe that God's “Alexander” is Barack Obama. He has now stood in the middle of America, and declared his victory speech in Grant Park in Chicago. (He and his “family” were all dressed in red and black, the colors of anarchy.) There, he prophetically declared, “Change has come to America”, and “The American Empire is coming to an end”. Obama is Sunni and Iran is Shiite. I believe they will be successful, at least initially. It was that way with Iraq, too. Amos's revelation seems to confirm this. I also do not rule out that Obama will use surrogates like Israel to do this and then claim some innocence. This is his favorite form of warfare. Amos Scaggs heard on 3/09/06: “We are going to invade Iran on three fronts with an overwhelming force and be victorious.” (At least Israel and the U.S. did a lot to take down the Islamic regime in 2025.) Also, on 3/07/06, he heard: “We broke their code -- The enemy.” According to type in Jeremiah 25, there are only two times the U.S. could conquer Iran. Jer.25:9 behold, I will send and take all the families of the north, saith Jehovah, and [I will send] unto Nebuchadrezzar the king of Babylon (U.S.), my servant, and will bring them against this land, and against the inhabitants thereof, and against all these nations round about (Middle East); and I will utterly destroy them, and make them an astonishment, and a hissing, and perpetual desolations. (This has been happening by using nation against nation and ethnic group against ethnic group.) 25:12 And it shall come to pass, when seventy years are accomplished, that I will punish the king of Babylon, and that nation, saith Jehovah, for their iniquity, and the land of the Chaldeans; and I will make it desolate for ever. (Babylon Deep State has been mostly destroyed by Cyrus/Trump.) The Lord showed me that in this 70 years the U.S. will be trampling the Middle East. The list of nations that are conquered during this time are in Jeremiah 25:17-26, and the last verse is when Babylon, as a type of the Deep State U.S., falls. The last on the list before Babylon is Elam or Iran, along with the Medes and the kings of the north. This is the only time in the list Iran is conquered, unless it is conquered to some extent before this seven-year tribulation list of wars. This is what I believe will happen, since the last war seems to be mixed with the kings of the north, which is probably Russia and company, and since this is the time Babylon fell, too. Also, I do not believe Obama will live to the end of the tribulation because of all the assassination dreams. This is what I wrote years before the U.S. struck Iran. “So, I think that the U.S. will in some form strike Iran before the tribulation (This came to pass by taking out their nuclear capabilities and arming Israel to do the job.) and help cause the tribulation covenant, as we will see below.” In Daniel's vision, he was in Elam (Persia/Iran) and saw the Medo-Persian (Cyrus, identified as Trump) Ram pushing westward. Dan.8:2 And I saw in the vision; now it was so, that when I saw, I was in Shushan the palace, which is in the province of Elam (Persia/Cyrus/Trump); and I saw in the vision, and I was by the river Ulai. 3 Then I lifted up mine eyes, and saw, and, behold, there stood before the river a ram which had two horns (Medo-Persians – Cyrus/Trump): and the two horns were high; but one was higher than the other, and the higher came up last. 4 I saw the ram pushing westward, and northward and southward; and no beasts could stand before him, neither was there any that could deliver out of his hand; but he did according to his will, and magnified himself. (Yep, that's him) Then, Daniel saw a he-goat (Alexander/Obama) that flies over the face of the whole earth without touching the ground (Using the airforce) 5 And as I was considering, behold, a he-goat (originally Alexander the Great's Grecian Empire - Second fulfillment - Barak Obama's U.S. Empire) came from the west over the face of the whole earth, and touched not the ground: and the goat had a notable horn between his eyes. 6 And he came to the ram that had the two horns, which I saw standing before the river, and ran upon him in the fury of his power. 7 And I saw him come close unto the ram, and he was moved with anger against him, and smote the ram, and brake his two horns; and there was no power in the ram to stand before him; but he cast him down to the ground, and trampled upon him; and there was none that could deliver the ram out of his hand. 8 And the he-goat magnified himself exceedingly: and when he was strong, the great horn was broken. (Obama will possibly be assassinated according to many dreams, and that would be after he as Alexander brings down Cyrus/Trumps empire. Several attempts have failed so far.) Michael Hare asked the Lord on 4/19/15, “Where are we now?” and then received: Dan.7:6 After this I beheld, and, lo, another, like a leopard, which had upon its back four wings of a bird; the beast had also four heads; and dominion was given to it. We knew this was Alexander the Great's kingdom, which was divided up by 4 generals at his death, and it reminded us of this revelation. Obama is ordained of God to judge apostate Christianity in America and wake up her sleeping multitudes to truly seek the Lord. Prophetically, the next thing Daniel describes in type is the saints in tribulation in the time of Antiochus Epiphanes (8:9-14), a type of the Beast. It is possible that this attack on Medo-Persia/Cyrus/Trump would bring the tribulation. Dan.8:9 And out of one of them came forth a little horn, which waxed exceeding great, toward the south, and toward the east, and toward the glorious [land]. (The saints are God's glorious land now according to scripture.) 10 And it waxed great, even to the host of heaven; and some of the host and of the stars it cast down to the ground, and trampled upon them. (The beast will cause a great falling away through the mark of the beast.) 11 Yea, it magnified itself, even to the prince of the host (The High Priest, Jesus); and it took away from him the continual [burnt-offering] (the crucified life), and the place of his sanctuary was cast down. 12 And the host was given over [to it] together with the continual [burnt-offering] through transgression; and it cast down truth to the ground (fits), and it did [its pleasure] and prospered. This describes the great persecution against Christians who have a continual burnt offering through offering up their beastly flesh as a living sacrifice in the fiery trials. The mark will bring an end of this sacrifice for many apostate Christians and they will be cast down as the sanctuary of God and the seed of Abraham by faith, who are identified as the stars of heaven by God.   The Perfect Storm in the Middle East: ISIS, Iran, Saudi, Egypt Avi Lipkin - 03/04/2015 Some points made in this video - 4/07/15 Avi's wife Rachael works for Israel listening to Arab broadcasts, since she knows the language. Here are some things she heard: President Obama was in Egypt in 2009 and he swore to the Prime Minister he was a Muslim, that his father was a Muslim, that his stepfather was a Muslim, and that he was raised in a mosque. On January 19, 2010, he said, “I swear what I am going to do with Israel”. (Meaning to destroy Israel.) Rachael picks up other broadcasts in which she heard where the Saudis said Obama have three commands from the Saudis: Command #1: To destroy the Shiite regime in Iran. That will be done by Israel. (Happening) Command #2: Destroy Israel. I.e., let Iran and Israel duke it out. (Happened) Israel attacks Iran and they destroy each other; destroy two birds with one stone. (Iran deal to destroy Israel announced on ominous date) Command #3: Make America a Muslim country. The plan is to bring tens of millions of Muslims into the United States. (There appears to be plenty of proof of this statement on Muslim broadcasts: Unscreened Muslims are flooding the U.S. by over 100,000 a year. 190 U.S. cities chosen by the Administration for invasion by Muslims. ISIS is in the US and will attack. Will ISIS Attack on American Soil Soon? Avi's comments: When things get really bad, Obama will be on the Muslim side. He is working with Iran now to push Israel into a corner where they will have to defend themselves. ISIS was born primarily by Saudi, Turkey, and the American backing of these Sunnis. Avi says what will end up being a perfect storm when Shiites attack Saudi Arabia from Yemen (the south)(done) and ISIS attacks them from the north. But ISIS hates the royalty because their morality copies the West. Egypt will come in from the west to save the royals. And Avi wonders if it might become so bad for the Saudi royalty that they will ask Israel to attack from the north. Considering the things truly coming on the world what Kind of person should we be? Luk.21:34 But take heed to yourselves, lest haply your hearts be overcharged with surfeiting, and drunkenness, and cares of this life, and that day come on you suddenly as a snare: 35 for so shall it come upon all them that dwell on the face of all the earth. 36 But watch ye at every season, making supplication, that ye may prevail to escape all these things that shall come to pass, and to stand before the Son of man. 2Pe 3:11 Seeing that these things are thus all to be dissolved, what manner of persons ought ye to be in all holy living and godliness, 12 looking for and earnestly desiring the coming of the day of God, by reason of which the heavens being on fire shall be dissolved, and the elements shall melt with fervent heat? 13 But, according to his promise, we look for new heavens and a new earth, wherein dwelleth righteousness. 14 Wherefore, beloved, seeing that ye look for these things, give diligence that ye may be found in peace, without spot and blameless in his sight. 15 And account that the longsuffering of our Lord is salvation; even as our beloved brother Paul also, according to the wisdom given to him, wrote unto you; 16 as also in all his epistles, speaking in them of these things; wherein are some things hard to be understood, which the ignorant and unstedfast wrest, as they do also the other scriptures, unto their own destruction. 17 Ye therefore, beloved, knowing these things beforehand, beware lest, being carried away with the error of the wicked, ye fall from your own steadfastness. 18 But grow in the grace and knowledge of our Lord and Saviour Jesus Christ. To him be the glory both now and for ever. Amen.   Fleeing Bradon @ Last Days – 11/10/25 (David's notes in red) Brandon pieced together two previous video clips from 7/21/25 and 7/17/25 about what he sees in New York prior to the November election and its outcome. Portions of transcript: “…I see a mass exodus of all the rich people leaving New York because of the decisions that will be made in the future. (November elections) I saw New York City on fire. There were fires throughout the city. I could see the Statue of Liberty, and I saw smoke rolling all around the atmosphere above it. Even at her neck level, there was fire and smoke from inside the city, and I could see the flames burning.” The Lord said, “The seed is the ballot. For when they vote a wrong person into power, they vote corruption into power, and the seeds they sow for corruption bring forth a reprobate mind in the city.” “For seed time and harvest never ceases. For it is whatsoever man sows, that will he also reap.” He said, “There's a time to live and there's a time to die. There's a time to sew and there's a time to reap. A time to plant and a time to harvest.” He was saying this because they had sown in this way. And the Lord showed me David Wilkerson's face, and He said, “Remember what he said. Go and look at what he said. I gave a word to him. I spoke a prophetic warning through David Wilkerson years ago. Go find it and study it. I want you to hear what he prophesied would happen as people vote in the wrong people.” This is the prophetic word from David Wilkerson: “I stood in this pulpit two weeks ago, and it took every bit of Holy Ghost courage He could give me to say what I had to say. But I have felt this for weeks. I believe that New York City is in for 30 days of chastisement, such as America has never seen in any American city. I see at least a thousand fires burning in every burrow. Every business that's on the brink right now, deciding whether to move out of the city, will move. There's a hemorrhage already, and the economic base is collapsing. We're a third-world city already. I don't care what Mayor Dinkens says. It's a third-world city. We have a murder every hour on the hour now. A major crime every 20 seconds. This is a murder city. And I believe that we're going to see such chaos and anarchy in New York City coming. I don't know when, but I don't think it's too far off. And I don't know what's going to set it off. There will be no planes, trains, or anything coming into this city for probably two weeks. And all those who have money and are able to will escape. And New York City, our crown city, because of its absolute rebellion against God, its absolute sinfulness and wickedness, is going to be chastised. And this is God! He could have sent hydrogen bombs from Russia before this, and society would have collapsed and wiped us off the map. But no, He gives us warnings. He slaps our wrist and says, “Look, I'm talking to you.” And that's what AIDS is. It's a message. All of these calamities are messages. And God's saying, ‘Wake up.'” Brandon says, “I feel like that word is exactly what I saw. I saw thousands of fires burning inside New York. I saw a mass exodus of people leaving New York, but it would become a ruinous heap. There was judgment set in; I'm telling y'all folks, it was bad. People were leaving New York City, and I saw them going south.” The Lord spoke to me, and He said, “Mystery Babylon is coming.” And that is probably very controversial to many because a lot of people believe differently about who Mystery Babylon is. But the Lord spoke to me specifically about New York. And He said, “It's coming.” I saw Gavin Newsom's time is coming up. I saw former President Biden getting ready to go home soon. I saw him being buried; he's old, right? Everybody's going to die, right? But the Lord said it's coming. We also pray over Trump and his kids because if they can't get to him, they try to get to what he loves the most, his kids and grandkids. These people want revenge for their leaders in Iran. There's an enemy within. We must pray for an uncovering and turning on the light, exposing the cockroaches who are in our nation. Next clip: “I see people making big decisions. Relocation, relocation, relocation. This is a lot of people moving from the East Coast to the central area, like the Chicago area, and all around Ohio. They're being stirred on the East Coast, moving down [south]. Big decisions will be made around New York… “ Darkness is trying to set in. Great Mystery Babylon! It will be like a dark blanket will blanket over them. If they choose this man, I see a dark blanket blanketing, and people will flee. I hear the word, “Flee, flee, flee...” They will leave by the tens of thousands, if not hundreds of thousands. People, I see them fleeing as he's voted in. People will know that this is the end. Well, Father, you know, if he'll be voted in or not. I'm seeing that it is going to happen. He said, “No, they still have a choice. They have a choice to vote.” The Lord held up a veil, and I don't see the outcome. But I see the outcome if they vote this way concerning this man. I see a dark, dark cloud, like a dark blanket over them. And I see financial structures falling. I see the financial institution, all the money falling. I see them fleeing the city. It's like a mass migration and people fleeing from certain areas.   Crime Will Skyrocket  InfoWARS – 11/10/25 (David's notes in red) Mamdani Says He'll Replace Fleeing NY Cops with Social Workers by Raw Egg Nationalist, November 10th, 2025 New York's socialist mayor-elect Zohran Mamdani has said he's not bothered about facing a backlash from the city's police department, as he reiterated his plan to use social workers to carry out law-enforcement duties instead. (I would not be surprised if he got some of these people killed.) Mamdani was in Puerto Rico on Friday for a meeting of New York politicians when he spoke to reporters and said the increase in the numbers of police officers leaving the force is a clear sign his radical policies are needed. Mamdani seems confused as to why police have started leaving the force at a rate of 350 per month during his campaign. Promises to fix this with a plan for a Department of Community Safety… which he campaigned on. pic.twitter.com/cwnUDT6iun — Libby Emmons (@libbyemmons) November 8, 2025 Transcript: “I'm not worried about the backlash. What I'm worried about, frankly, is the continuation of a retention crisis that we've seen only deepen during the course of this campaign,” Mamdani said. “When we began, there were about 200 officers leaving a month, and by the end of the campaign, it was about 350. And a lot of that has to do with the fact that we've asked police officers for far too long to do much more than just police work. We've asked them to be responding to the mental health crisis and the homelessness crisis (OMG), and that's why we're going to create a Department of Community Safety that will be tasked with accomplishing those facts and allowing police officers to be police officers.” Mamdani has enjoyed a fraught relationship with New York's police force since announcing his run for mayor. Like many radical leftists, he has called for “abolishing the police,” and during the campaign he promised sweeping reform of law-enforcement, including bail reform. Senior police figures have been vocal in their criticism of him. “If you put a guy like him in there, our people are going to get hurt, and nobody's going to want the job. It's going to put recruitment back five more steps,” NYPD Detectives' Endowment Association president Scott Munro said in a statement to The New York Post in June. “I've had guys call me and say, ‘If he wins, I'm quitting,'” a police source also told the outlet “It's just weird that New York City would vote for him. I know he's not here for the police.” During his visit to Puerto Rico, Mamdani visited a local mosque and was greeted with loud chants of “Allahu Akhbar”—”God is great!” Footage of Mamdani's visit was posted to social media. He delivered a speech in which he focused on major aspects of his radical campaign, including “economic justice” and “exploitation,” and invoked radical figures, including Malcolm X. He also helped distribute meals at the mosque after Friday prayers. Zohran Mamdani won the mayoral race last Tuesday, defeating former state governor Andrew Cuomo, who ran as an independent, and Republican candidate Curtis Sliwa. Mamdani was widely predicted to win the race. He has promised a radical socialist program, including criminal-justice reform, rent controls and increased taxes for white neighborhoods, and is also rumored to want to turn New York into a national “sanctuary” for gender-realignment surgery. Infowars reported yesterday that a GOP lawmaker has proposed a new “Mamdani Act” to limit federal funding for New York while Zohran Mamdani is mayor. The legislation, which will be introduced by Rep. Buddy Carter (R-Ga.), is called the Moving American Money Distant from Anti-National Interests Act, or the “MAMDANI Act” for short. The short bill, just two pages long, states “notwithstanding any other provision of law, during any period in which Zohran Mamdani is mayor of New York, New York… any unobligated Federal funds available” for the city “are hereby rescinded” and “no Federal funds may be obligated or expended for any purpose to New York, New York.”   The Coming Coup d'état Rick Sergent - 07/18/2012 (David's notes in red) Wednesday night, I had a vision. I saw President Obama. He was at a desk. For whatever reason, it did not look like the one in the Oval Office. It seemed to be a smaller room. He was sitting at this desk and stood up when this military man came in. He appeared to be a general. He had stars on his shoulders. He did not look like a U.S. military man. On each shoulder was a red patch. He also had a red patch or mark on the front of his military cap. (It could symbolize the U.S. military submitting to a socialist, Marxist, communist-type government.) The president started to talk, and the general just listened. When the president stood up, he took and raised his left hand and made a fist. He first appeared to slam his fist on the desk. The Lord seemed to zoom me in for a closer look. He had not slammed his fist on the desk, but rather a black Bible on the desk. (The Koran calls Christians and Jews “The people of the Book”. This suggests he will deal harshly with them.) At the time he did this, he said these words to the general: “The people must know that I am the one in control here! We must have boots on the ground to every major city in this country. In smaller cities and towns, the police must know to uphold this law!” The general just nodded his head in acknowledgement and saluted, then left. The vision ended. (This speaks of the coming of martial law when the Constitution and law of the land are overturned, and the US will be ruled by executive order. This could also speak of enforcing Islamic Sharia law.) Quran references At-Taubah 9:29-30 about killing the Jews and the Christians: YUSUFALI: Fight those who believe not in Allah nor the Last Day, nor hold that forbidden which hath been forbidden by Allah and His Messenger, nor acknowledge the religion of Truth, (even if they are) of the People of the Book, until they pay the Jizya (Muslim tax) with willing submission, and feel themselves subdued. PICKTHAL: Fight against such of those who have been given the Scripture as they believe not in Allah nor the Last Day, and forbid not that which Allah hath forbidden by His messenger, and follow not the Religion of Truth, until they pay the tribute readily, being brought low. SHAKIR: Fight those who do not believe in Allah, nor in the latter day, nor do they prohibit what Allah and His Messenger have prohibited, nor follow the religion of truth, out of those who have been given the Book, until they pay the tax in acknowledgment of superiority and they are in a state of subjection. More on Sharia Law in the Obama Care Bill and paying the tax or Jizya or tribute spoken of above. A diktat is a settlement imposed on a conquered people. >Beat Obama Committee deciphers stealth Sharia law in Obamacare God turned the U.S. over to this coup because it turned down His peace, love and grace to be saved. Christians are guilty because they have given few examples of true Christianity to the world. Now a cross awaits.   Communism in the White House Dream Winnie Osegueda – 4/22/24 (David's notes in red) I had this vivid dream yesterday when I took a nap, and I was thinking about it and praying about it. Then this morning, I heard Missy bring up the many Chinese people coming through our border and the communists in our government, and I thought there could be a correlation with this dream. I dreamt that I was in front of what looked like the White House, except in my dream, there was an outdoor balcony with a staircase. At the top of the staircase was an Asian couple (who I believe were Chinese) (or representing the Chinese Communists) who were just newly elected to be President and First Lady of the United States (Will this begin in NYC?). They were a young couple, and they seemed pretty surprised to be elected. They were told that the people voted for them. The young Chinese man was a little shorter than the woman, who was wearing a sleeveless white dress and had long, flowing black hair. At first, the couple looked normal, but when I looked up again, the Chinese man's face was now painted bright red; he almost looked like a cartoonish version of Satan (communists?) Suddenly, I was now an observer from the top of the stairs/balcony as if I could see through the eyes of the Chinese woman, and from the top of the stairs, I saw a flood of Chinese people now rushing up the steps of the White House. It seemed to be that this Chinese man and woman being elected opened the floodgates for all these other Chinese people to come in. (This is happening, and the cops and Christians are fleeing NYC.) I began to weep.   The Red Dragon of Revelation 12 Invading Then I looked across the field and saw Obama on another balcony, located across from, but slightly to the left of where I and the couple were standing. I heard Obama say that if the couple would not do it, he would, as he could see there was some hesitation on the woman's part. I believe he meant that he would take over and do the job if they could not, or would not, get the job done. Obama seemed desperate. I could see that he desperately still desired to rule and be President, and really didn't want to let go. He was crouching down trying to get attention by putting his hands through the bars of the balcony. And then I woke up. End of dream. I asked the Lord for a verse by faith at random and received: Jer.5:13 (12-18 for context) They have denied the Lord, and said, It is not he; neither shall evil come upon us; neither shall we see sword nor famine: 13 and the prophets shall become wind, and the word is not in them: thus shall it be done unto them 14 Wherefore thus saith the Lord, the God of hosts, Because ye speak this word, behold, I will make my words in thy mouth fire, and this people wood, and it shall devour them. 15 Lo, I will bring a nation upon you from far, O house of Israel, saith the Lord: it is a mighty nation, it is an ancient nation, a nation whose language thou knowest not, neither understandest what they say. 16 Their quiver is an open sepulchre, they are all mighty men. 17 And they shall eat up thy harvest, and thy bread, which thy sons and thy daughters should eat; they shall eat up thy flocks and thy herds; they shall eat up thy vines and thy fig-trees; they shall beat down thy fortified cities, wherein thou trustest, with the sword. 18 But even in those days, saith the Lord, I will not make a full end with you. Psa.56:4 (4-9 for context) In God (I will praise his word), In God have I put my trust, I will not be afraid; What can flesh do unto me? 5 All the day long they wrest my words: All their thoughts are against me for evil. 6 They gather themselves together, they hide themselves, They mark my steps, Even as they have waited for my soul. 7 Shall they escape by iniquity? In anger cast down the peoples, O God. 8 Thou numberest my wanderings: Put thou my tears into thy bottle; Are they not in thy book? 9 Then shall mine enemies turn back in the day that I call: This I know, that God is for me.   Obama Wants to be Worshiped as a God.  Debbie Horton 11/7/25 When Obama was running the first time, or maybe right after he was “elected,” I had a dream that made no sense to me, so I didn't send it in. The main part I recall is that on the subway steps in NYC (BTW some stations are several levels deep), on each landing, there were votive candles burning, but instead of a picture of the Virgin Mary or Jesus, there was a picture of Obama. People were worshiping him. BTW, the subway appeared to be almost empty and shabby and was very dimly lit.   The Trail of Tears Marie Kelton – 11/6/25 (David's notes in red) (We are now native Americans and the trail of tears is a warning to us that history repeats.) During lunch, I went to the Sequoia museum, and I saw on the sign that it said, “The Trail of Tears”. But I didn't think anything of it. As I was eating lunch, the sign came back to my mind, and I asked the Lord, “Oh, is this where the Trail of Tears happened?” All of a sudden, I heard what sounded like native American chanting and drumming. I had an open vision. Native Americans were walking on the gravel trail that was before me. I saw snow on the ground, and there were native Americans covered with brown blankets. There was a Confederate soldier behind the line of native Americans, and I guess one was walking too slowly because he pushed the native American to hurry up and walk faster. Behind the Confederate soldier was a native American man wearing a native American outfit with long pants and a long-sleeved shirt. He was beating a double-sided drum that was in front of him, attached to his chest with powwow drumsticks in both of his hands. Then I had another open vision while looking in the field of native Americans in a circle, and one was dancing by a fire wearing the native American war bonnet. A little way behind them was a bunch of teepees. And I saw Native Americans working outside with their children. And then I heard the Lord say, “They served the creature rather than the Creator.” (Like many Americans) Rom.1:24-25: “Wherefore God gave them up in the lusts of their hearts unto uncleanness, that their bodies should be dishonored among themselves: for that they exchanged the truth of God for a lie, and worshipped and served the creature rather than the Creator, who is blessed for ever. Amen.” I looked it up on the internet because I wanted to know why the Confederate soldier was in the vision. I learned that the Confederates didn't have anything to do with the Trail of Tears. The Confederacy was formed some years later, but that Trail of Tears influence had caused a division among the Native American tribes, and some of the native American tribes took part in the Civil War becoming allies with the Confederates, the treaties were made with them.   Left, Then Right, Fall Rick Sergent - November 2009 (David's notes in red) I saw a vision of President Obama's face in the foreground. In the background was the White House. There were red numbers floating and circling around his head. The numbers were 666. (The apostle Paul said the spirit of antichrist is already in the world.) I then saw what appeared to be three puffs of white smoke coming from the LEFT SIDE of the outside of the White House. The smoke came straight up, one after the other, three times. I then saw another vision of Nancy Pelosi. She was standing on a platform inside a building. There were many people in what appeared to be a large room. In the vision, I was standing in front of her, toward her left side. I did not see how many people were behind me. Then, all of a sudden, I saw Nancy Pelosi's head get rocked to the right side from an unseen force from the LEFT SIDE. Her head then bounced off her right shoulder and came up, then she crumpled down on the floor. The vision then ended. (She has become a liability to the Left for the Right have all the info on her J-6 deception.) That night, I had a dream. Nancy Pelosi was in the newspaper. I just knew it was an obituary. Even though I did not see the words, I felt in the dream that she was dead. (It appears she was a promoter of the J6 deception to take out Trump.) Then I woke up. Later on, my youngest son, Jeremy, came over the next day and said, “Dad, I had a dream and we were in it. We tried to tell people we were in the tribulation, but nobody would believe us, Dad”. (Even after the trib starts pre-tribbers will be denying it.) This vision and dream were pretty heavy on me, and finally I felt released to share this. I'm not going to try to interpret this. It may be literal or symbolic, as in political suicide(s) -- three puffs of smoke (three leftist leaders ???) I have my own idea, but I'd rather not say. Note from David: 11/15/10 update: Rick's vision appears to have been right on. Possibly, this means three key leaders committed political suicide by going against what the overwhelming majority of Americans wanted with their socialistic agenda. There certainly was a purge. Even the left realizes that they overstepped and asked Nancy Pelosi to step aside now. I'll leave it to you to decide who the most important three were. Update 2025: Could it be the leftist leaders pushing the government shutdown? I believe from past revelations that the left's fall is temporary, and what will follow could be something like this: The NWO crowd, who started all these wars for their own power grab, will sacrifice their right wing, who, with the Christians who supported them, will be blamed for getting us into these wars. It appears the 9/11 false flag from the right is being revealed more publicly so that the next false flag from the left will be blamed on the right and the Christian “terrorists” who supported it. The NWO has been spreading literature and hatred against the right for some time, using the word “terrorists” even in memos to civil authorities and police. Obama has made steps to clear the way for them to go after Bush and the right wing for war crimes. Christians will be persecuted for their support. The next strike on the U.S. will hasten this. Tribulation is coming soon after a terrible war. Most won't believe it is the tribulation.   Civil War Is Coming Mary Dooley - 01/07/2009 (David's notes in red) In the dream, I was standing at a crossroads that was close to the beach, in that I could clearly see the open sky over the ocean in front of me. (I had asked God to tell me if I had any fruit before I went to sleep, and had the dream and at the crossroads where I was standing, I was next to a fruit stand. If I had to quantify the amount, I'd say it was 60% my height. (I am going for the 100-fold.) To my right, I could see that there was a battle in the air, as I could see the smoke from the jets. To my left, two planes that were unlike any I have ever seen (and I have seen quite a few since 1988, living on or near military bases), they were speeding at low level toward the battle. (A battle for the “air waves” between left and right, first politically and then physically.) I knew in the dream that they were Turkish. They were totally black. (Turkey fell out with Israel over the Gaza war and is pushing the left more to the left, if that's possible, concerning their support for Israel. They have also threatened Israel if they move against the puppets of the Iranians. The first nation to fall to the new Babylon one world order was Israel [Jer.25:17,18,29], which is also a type for Christianity.) Next, from the left again, something was coming in the air. It was something big and black, with black smoke coming out from it in all directions. As it got closer, I could see something orange on its nose. Then I realized it was a black airship or blimp, (notice both sides are in darkness) and the orange thing on the nose was a jack-o-lantern. (This represents Halloween, Babylon DS's “Satan's birthday”, when the Celts say the living are closest to the dead and the forces of darkness are at work) The eyes, nose and mouth were orange because the inside of the airship was on fire. As the airship passed in front of me, I saw that it was slowing down and being totally consumed internally, as the orange flames were destroying it quickly. It stopped in front of me and fell into the ocean. (There is a battle going on for the “airwaves” before the physical battle. The left has used many inventions to shoot down the conservatives' command of the “airwaves”. On a more natural level, blimps cannot compete with jets, which are weapons. They are clumsy, slow, lack power and are relics of the past for warfare. This spiritually describes the badly outmatched right-wing when the U.S. is turned over to chastening by the communists and Islamists. The right have plenty of evidence of their evil but are slow to enforce it. The conservative Babylonish Christian movement that is rising up to “take the nation back” from the left wing who is trying to kill everybody with their weapons to have control. Vax, chemtrails, poison in food and water and animals we eat, engineered hurricanes, earthquakes, Satanism rising, etc. Other 9/11's are coming from the Left, and the blame will be put on the Right in part because so much proof is coming forward of the Bush administration's part in the first 9/11 that they will be blamed for this, too, by the left and the left-wing media. Like the Kirk assassination and threats against Tucker and other right wing influencers. The left is putting the blame on the right-wing Christian defenders of Israel, while they slaughter Gaza. This causes anger against Christians.) I felt like I should run to higher ground because the airship was so big, and I was so close that it might cause a big wave to hit me (This will bring great persecution to the Christians), so I ran upstairs into one of the nearby, rather short buildings behind me. (Christians will no doubt need to get to the High and Holy Ground of Scriptural foundation to escape this coming disaster from the division of America. The scriptures declare that militant Christians will lose this battle badly in the eyes of the world. Crucifixions are coming for those who need them. The Pharisees laughed at Jesus, thinking He lost on the cross. Listen to U.S. Covenant & Civil War) Now I knew I was on a Navy base, as I went up about one or two stories and an enlisted man in uniform was leaning back in his chair, with his hands behind his head, rather unconcerned. He was at the back end of what looked to be a small movie theatre, with the screen to my left. No one was in the room but the enlisted man who, from where he was sitting, would probably be the person running the projector. I told him what had happened, and he said, “Yes, my father was on that airship.” I was surprised at how unmoved he was. (A younger left-wing generation that has rebelled against the conservative morals and constitutional respect of the forefathers will show no mercy or pity on them in the coming civil war. An antichrist spirit is sweeping the world, much like anti-Semitism during the Nazi era. A great backlash against the Christians will come from this. The Left will have complete control over the media, typed by the movie projector, to bring a worldwide persecution of Christianity. Most Christians will not believe that this is of God to bring back true Christianity through persecution and revival. Read Sovereign God for rest and peace.) Next, I was outside at the crossroads again. (Crossroads here represents a fateful change for the future.) Now I could see that there was a convoy, almost like a parade, coming home from the direction of the air battle. I got the impression they were victorious, as they did not even appear tired or dirty, more like inspection-ready. They were sitting in tiers, like bleachers, on top of a vehicle bringing them back to the base. They were in camouflage uniforms, wearing dark glasses and holding flags. (These are hiding from the truth willfully; hiding from the Son, behind patriotism.) The flags were full-size and easy to see, as each person had a flag and held it stretched out in front of him. The flags were stiff, like posters, and they were held on each end. (The flags were stiff, cheap fakes of what the real flag that was blown by the wind stood for. Also, this is a “false flag” banner of victory over the right-wing and Christians.) Now I could see that the flags were distinctly Confederate, and the convoy was taking the curve in the road to their left. There were only two choices at this intersection: curve sharply to the left, or sharply to the right. I did not see anyone going to the right. (The conservative/religious right will lose badly. The rebels against our forefathers' morality will win. The country will turn sharply to the left, where the goats go in Jesus' parable. Like the Confederate rebels, their interest is to cast off any moral or constitutional restraint and keep black men, as a type of those who walk in darkness, or sinners, in bondage. Like the confederates, their money will also be worthless.) End of dream. On the 11th of January, I was at work. A Christian patient was about to leave when suddenly she remembered that her teenage daughter had a dream that night. She said an angel took her into the air, where there was a tremendous air battle going on, and it was so loud and disturbing that she covered her ears, and then the angel brought her back to her bed. She then woke her mom up to tell her and was crying because it was so disturbing, and she is only 16. I told her mom about my dream. (The argument between right and left will get very loud, polarizing the country and tearing it apart.) About three days after this, I called my very good friend, Ellen. I told her that I had had a dream that I wanted to tell her. She stopped me and said she just had one, and so she told me her dream first. She said that she was caught in the middle of a war that was about to start. She said she was trying to find cover behind a house, and that the battle was about to begin, and she was trying to help a little girl find cover, too. I asked her what kind of battle -- as in modern, or something from the past. She said, “It's a revolutionary...no, it's a civil war”. I believe this Civil War will escalate from the war of words over the “air” waves to physical weapons sometime soon. The negative rhetoric is causing people, especially leftists, to go crazy Many say guns will be needed if others fail to submit to their principles. Communists and Islamists are already this way. Polarization is everywhere. If you, as a Christian, think God has called you to fight and kill, you desperately need to read The Sword or the Cross? and listen to the Honor the king? series. Many Christians are victims of neglecting their Bibles and their consciences. Remember, if a man's ways please the Lord, He makes his enemies to be at peace with him. Obviously God is raising up a beast to bring Christians to their cross. God is not pleased with “Christianity” as a whole and is therefore bringing the beast to conquer her, as history repeats.   Civil War in the USA? The Visions 1/21/13 - Andrew Strom (David's notes in red; hyperlinks added) Before the recent US election and “gun” controversy, many would have laughed at the idea of a Civil War or similar conflict in America. I guess it is not quite so “laughable” now. I got a lot of nasty and bitter personal attacks aimed at me last week over my article, Do Christians Love Guns? People accused me of all kinds of twisted motivations for publishing such a thing. But the honest truth is that I am genuinely concerned. Concerned for a country that I love and a people that I love. I feel many Christians are being driven into a great anger that can only result in grief. Perhaps when you read the prophecies below, you will understand my concern. I truly would hate to see any of my friends caught up in such a conflict. Here are the visions: Kenny Atnip (Jan 2013)- “Some time ago, God showed me and some others that America would enter an internal war. You can call it a civil war, or revolutionary war, or anything you like, but it is coming. God showed me plainly that many Christians would be tempted to be part of a war against the government and that this war would be part of his judgment on the U.S.A. and we should not get involved. The current government's actions are because of God's judgment, so he who resists this government resists God's ordinance. Global war is coming as well, and America will be attacked, and after all of these things, I saw a time of peace again in the land. America will be humbled and once again look to God as its provider and defender. The message to Christians here in America is the same that Jeremiah told to Judah- Submit to God's judgment and it will go well for you, resist and it will cost some their lives and others their freedom.”... Hans Petter (June 2008)- “I started to see a movie in the spirit. In the First Act, Obama was elected as president, and he was the door opener for the next thing that happened. Dark skies came over the USA with thunderstorms. People were fighting against each other in the streets. Tires and cars were burning in the streets. People were really suffering, screaming for help and they had nothing to eat or a home. It was a hard time. The cities were burning. I saw a gap start to split the nation. It started in California (The “wild” fires for their “land grab” (Palisades fire), for their “Smart Cities” and the DS-funded, Antifa led riots, destroying Los Angeles and other blue cities.) moved forward across the nation and ended up by the East Coast, north of New York. (Civil War) Act 2. Then people started to pray for help and ask for help from Jesus. I saw two eagles (prophets) that came flying from the east and behind came Jesus. Healing came to USA and Jesus restored the cities and people's lives.” (Man-child ministry) Darren Smith (June 2009)- “Last night, while praying before I went to bed, the Lord gave me a vision that really rattled me. In the vision, I saw this land split into four parts, with each one under its own flag. Each region had terrible destruction, and many people were dead. As I looked over the destruction, I was crying, and the Lord asked me, “Why are you crying over the fall of Babylon? As a matter of fact, why have you been praying for the healing of Babylon?” In this vision, I didn't have an answer and the Lord opened a scroll and started reading off the indictments against our country, but before each one He clearly called the USA Babylon. The list was long and to the point, with such points as the killing of several generations of unborn children. Besides this charge, He added that these babies had been sacrificed to the god of self. The list also included greed, idolatry, pride, fornication, and many others, so many that I could not even read them all. As I looked at the list of charges, I was overwhelmed and broken by the fact that we live every day in a nation that is so far removed from God and in total opposition to the Kingdom of God, yet we are comfortable here. We have become just like Lot living in Sodom; the prosperity that the nation offers us has blinded us from the evil that rules this land. We complain about how bad it is, but still stay attached to it with every ounce of strength we have. The Lord told me to look at the nation as He sees it, not through my eyes but through His. I could not look too long before I had to agree and repent of loving Babylon. Once I repented, the Lord told me to prepare for the fall as time is running out. I must preach the Gospel of the Kingdom, not the Gospel of America. America is already judged; the time of shaking is now and will increase rapidly.”... 'Journey' (Jan 2013)- “I too believe that the United States is headed for a civil war or something to that nature. I have friends who are in the “Patriot” movement, so I hear of things happening that the media will never report. In a nutshell, here is my conclusion to what I hear. There have been hundreds of thousands of assault rifles sold in the past year. There have been laws and rules put into force against assault rifles. Why would this conflict be?... A move to rile up the people has been put into play. Arm the people and then make laws to make them revolt against the Government. The underlying purpose is actually to cause the individual states to secede from the union... Divide and conquer is the idea”. Kenny Atnip - “Civil War in U.S”. (Dec 2010)- “My 16-year-old daughter, Maryann, had a dream a few days ago. She dreamed of civil war against the current government. The scene was very chaotic, and those in rebellion to the government were going house to house, forcing any and all men to join with them. Many of us Christians were in hiding, not willing to join in a rebellion against the government. She awoke in the middle of the night with a strong taste of blood in her mouth. Her 13-year-old sister, Aimee, woke up as well and immediately asked her what was wrong. The 16-year-old said that she had the taste of blood in her mouth, to which the 13-year-old asked, “Were you dreaming of war?” Somehow, she knew that she was dreaming of war. Last November, my three-year-old son, Jeremiah, slept with Mom and Dad. He awoke at 5:30 AM yelling, “War is coming ... people are dying ... people are crying to God”. He has no idea what these things are. It woke me up from a dead sleep, and I sat up and looked at him. He was wide awake... We will have 5 years of terror and turmoil beginning very soon... I believe the government will begin rounding up people who are on a list. If we are on that list, don't resist or run; God sends some away to protect them. God will vindicate the righteous in his time”. Donald replies, “Kenny- that advice is the same as that given to the Israelites. Don't resist when King Nebuchadnezzar comes to take you away. If you go willingly, you will be established in a foreign land; if you resist you will die. (We may or may not actually die, but our lives could become so miserable that we will wish we would die). Good advice for all of us at this unsettling time”. 'Journey' replies- “Yes, Kenny, Good advice. It is better to serve God while in captivity than to die resisting His purpose. God is doing this to the Church because of their pride and arrogance. God is humbling His Church”.

Mes chers camarades, bien le bonjour !Il y a des sujets qui sont plus simples que d'autres à aborder quand on fait des vidéos sur YouTube. Les morts insolites des rois, les jobs nuls, les inventions dues au hasard… C'est passionnant mais niveau terrain glissant, ça va, je ne me mouille pas trop ! Aujourd'hui, je vous propose de faire l'inverse : on va parler d'un des sujets les plus difficiles que j'ai eu à aborder sur la chaîne, toutes époques confondues. Tout simplement parce que c'est un sujet sensible au cœur même d'un autre sujet sensible : les Harkis et la guerre d'Algérie. Qui étaient véritablement les Harkis ? Pourquoi se battaient-ils, et quel a été leur sort ? Bonne écoute !➤ Retrouvez nos épisodes sur l'Algérie en podcast et sur YouTube : https://www.youtube.com/playlist?list=PLgLm3t2YjNL3QGojxMN66eKvBe-TYrtLW➤ Cet épisode a été réalisé en collaboration avec la CNIH : https://bit.ly/Harkis_CNIH_NB

C dans l'air l'invité du 20 novembre 2025 avec Isabelle Lasserre, correspondante diplomatique au Figaro. L'administration Trump aurait préparé un plan de paix en 28 points, et indiqué à Volodymyr Zelensky que cet accord "va dans l'intérêt de l'Ukraine". Ce plan révélé par le média américain Axios demanderait à l'Ukraine et son président Volodymyr Zelensky de céder plusieurs territoires à la Russie, en échange d'une "garantie de sécurité américaine" pour Kiev et l'Europe.Parmi ces territoires : le Donbass, désormais largement contrôlé par les troupes russes. Une information confirmée par un haut responsable proche du dossier à l'AFP. La proposition inclut la "reconnaissance de (l'annexion de) la Crimée et d'autres régions prises par la Russie" et "la réduction de l'armée à 400.000 personnes", a-t-il indiqué. Selon un responsable américain, la Maison-Blanche estime qu'il "est dans l'intérêt de l'Ukraine de conclure un accord dès maintenant". Un plan de paix...Et la France qui se prépare en cas de guerre. C'est le sens des propos tenus hier par le chef d'Etat-major des Armées Fabien Mandon, devant les maires de France réunis en congrès. Selon lui, le pays doit se préparer à perdre des soldats dans de futures guerres. "On a tout le savoir, toute la force économique et démographique pour dissuader le régime de Moscou. Ce qu'il nous manque, et c'est là où vous avez un rôle majeur, c'est la force d'âme pour accepter de nous faire mal pour protéger ce que l'on est", a-t-il dit lors d'un discours. "Si notre pays flanche parce qu'il n'est pas prêt à accepter de perdre ses enfants, de souffrir économiquement parce que les priorités iront à de la production défense, alors on est en risque. Il faut en parler dans vos communes", a-t-il encore ajouté à destination des édiles.Isabelle Lasserre analysera avec nous le contenu du plan de paix pour l'Ukraine. Elle reviendra également avec nous sur la signature d'un accord entre la France et l'Ukraine lundi, comprenant l'achat de 100 Rafale. Elle évoquera aussi sur les propos du chef d'Etat-major des Armées hier, devant les maires de France.

Plusieurs centaines de Lituaniens défilent en ce moment sur l'avenue principale de la capitale Vilnius. Le mouvement de protestation a été initié par le monde de la culture contre la présence d'un parti radical et populiste écarté de justesse du ministère de la Culture. Le mouvement s'est élargi et les manifestants craignent désormais que la Lituanie prenne un virage illibéral. Notre correspondante à Vilnius Marielle Vitureau est allée à la rencontre des Lituaniens se préparant pour la manifestation. Derrière son petit étal, pour soutenir le mouvement, Joris vend des fanions et des T-shirts avec le symbole de la manifestation. Dans un triangle rouge qui fait penser à un panneau de la route, le mot culture tombe à l'eau. « On ment beaucoup en ce moment en politique et ça affecte la culture, le président avait dit qu'il ne nommerait pas un ministre de la Culture issu du parti Aube sur le Niémen et il n'a pas tenu parole ».  À lire aussiLituanie: Vilnius, capitale verte européenne pour l'année 2025 Depuis, le ministre a démissionné, mais le parti politique est toujours dans la coalition. C'est cette formation et son chef Remigijus Zemaitaitis qui inquiète le plus Akvile. Devant le musée où elle travaille, le même triangle rouge d'avertissement grand format accueille les visiteurs : « En plus d'être populiste, le chef de ce parti est ouvertement antisémite, pro russe, ça fait partie de leurs plans de s'immiscer dans le domaine de la culture en faisant passer des petits message soi-disant anodins, par exemple en enlevant les drapeaux de l'Ukraine dans les institutions de l'État ». Cette même personnalité politique a aussi remis en question les dépenses pour la défense, les sanctions contre la Russie et a fait de la presse son bouc émissaire. Armée de ciseaux et de peinture, Asta prépare sa pancarte : « Je vais illustrer l'expression lituanienne. Si on laisse entrer les cochons dans l'église, ils monteront sur l'autel. Nous sommes dans cette situation, si on les laisse entrer, ils vont tout saccager. Depuis le retour à l'indépendance, la Lituanie n'a pas connu de plus grand dangers ».  À lire aussiLituanie: accord de coalition malgré des inquiétudes sur un mouvement populiste Depuis l'arrivée de cette coalition au pouvoir il y a un an, les mouvements de protestation sont fréquents. Marius Eidukonis est journaliste culturel pour la radio publique : « Depuis 2022, le danger à nos portes rend la situation plus sensible et nerveuse, et quant à tout cela s'ajoute l'apparition de formations politiques douteuses, l'inquiétude grandit, il faut se défendre contre les menaces extérieures et intérieures ».  Juta est graphiste, elle a organisé l'atelier pancartes dans un lieu culturel de Vilnius. La défense, ce n'est pas uniquement les soldats. Pour elle, la culture aussi est une arme : « Le secteur culturel est un vecteur pour discuter des sujets d'actualité et échanger des idées. En ce qui concerne l'aide à l'Ukraine, le secteur culturel a été déterminant pour être le porte-parole de ce qui se passait dans le pays ». Beaucoup craignent que la Lituanie ne prenne le virage illibéral de la Hongrie ou de la Slovaquie. Le monde de la culture a été rejoint aussi par les docteurs et les agriculteurs. Tous veulent continuer de monter la garde.

Aujourd'hui, dans la première heure des Grandes Gueules, les GG sont revenues sur les propos du chef d'état-major des Armées qui appelle à « accepter de perdre nos enfants » en cas de guerre avec la Russie, avant d'échanger leur point de vue dans le "On s'en fout, on s'en fout pas".

durée : 00:04:39 - Le Billet politique - par : Jean Leymarie - Face à une Russie agressive, la France est-elle prête "à accepter de perdre ses enfants" ? En quelques mots, le général Mandon, chef d'état-major des Armées, a déclenché une polémique. A-t-il tort ?

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

Windows on Arm has significantly improved its gaming readiness, OpenAI has launched GPT 5.1-Codex-Max, and the Whitehouse considers centralizing AI regulation. MP3 Please SUBSCRIBE HERE for free or get DTNS Live ad-free. A special thanks to all our supporters–without you, none of this would be possible. If you enjoy what you see you can supportContinue reading "Google Has Launched Nano Banana Pro – DTH"

C dans l'air l'invité du 19 novembre 2025 avec Emmanuel Chiva, ancien délégué général pour l'armement au ministère des Armées, et ex-directeur de l'agence de l'innovation de défense.Emmanuel Chiva, est l'ancien délégué général pour l'armement au ministère des Armées, et ancien directeur de l'agence de l'innovation de défense. Il est le coauteur de "Menaces 2035, qui veut la paix prépare le futur", qui sort demain aux éditions Robert Laffont. Un livre sous-titré "guerre cognitive, chaos climatique, fronts invisibles : êtes-vous prêts pour 2035 ?", et qui réunit des articles scientifiques, des entretiens d'experts, et mêle fiction et réalité. Il appelle à une réflexion collective, et rappelle la puissance de l'anticipation pour penser la défense de demain."Nous sommes entrés dans une ère où l'effort de défense, de sécurité, la protection de nos enfants comme nos petits-enfants, c'est l'affaire de tout le monde" affirme-t-il. L'objectif est d'anticiper les menaces pour mieux s'adapter. "À quoi pourrait ressembler un soldat cyborg ? Comment faire pour qu'un essaim de drones de 1 millimètre joue le même rôle qu'une nuée de sauterelles dans la Bible et détruise tout sur son passage ? Comment implanter de faux souvenirs dans la tête de ses ennemis pour gagner une guerre ?" C'est un document étonnant qui recense les scénarios les plus fous des guerres de demain. De la guerre informationnelle, au contrôle des cerveaux, en passant par la manipulation du climat...Emmanuel Chiva nous expliquera la démarche derrière cet ouvrage, et pourquoi l'armée française fait appel aux connaissances d'acteurs de la société civile pour anticiper les menaces.

durée : 00:06:43 - La réaction des maires à la phrase choc du Chef d'état-major des Armées Vous aimez ce podcast ? Pour écouter tous les autres épisodes sans limite, rendez-vous sur Radio France.

Aujourd'hui, dans la première heure des Grandes Gueules, les GG sont revenues sur "la déclaration du chef d'état major des Armées qui estime que les citoyens français doivent accepter de perdre leurs enfants", avant d'échanger leur point de vue dans le "On s'en fout, on s'en fout pas".

Pour débuter l'émission de ce jeudi 20 novembre 2025, les GG : Joëlle Dago-Serry, coach de vie, Emmanuel de Villiers, entrepreneur, et Mourad Boudjellal, éditeur de bande dessinée, débattent du sujet du jour : "Il faut accepter de perdre nos enfants, jugez-vous ce propos du chef d'état major des Armées irresponsable ?"

Jean-Luc Mélenchon a dit mercredi 19 novembre son "désaccord total" avec le chef d'état-major des Armées français, le général Fabien Mandon, qui a estimé la veille lors du Congrès des maires de France que le pays devait "accepter de perdre ses enfants" en vue de futurs conflits. Hébergé par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

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

Von Edith Meinhart. Kay-Michael Dankl ist von der KPÖ und Vizebürgermeister der Stadt Salzburg. Und als wäre das nicht ungewöhnlich genug, ist er auch noch der einzige Politiker, der sich öffentlich für die Nonnen vom Salzburger Kloster Goldenstein einsetzt. Braucht es dafür besonderen Mut? Wie weit reicht der lange Arm der Kirche im ehemaligen Fürsterzbistum Salzburg? In dieser Folge spricht Kay-Michael Dankl über seinen Besuch bei den Ordensschwestern, über Geld, Immobilien und mächtige Netzwerke, über seine Zuneigung zur kirchlichen Basis und über fehlende Transparenz und staatliche Kontrolle, wenn es um Steuergeld für die Kirche geht. // Die Dunkelkammer ist ein Stück Pressefreiheit.   Unabhängigen Journalismus kannst Du mit einer Mitgliedschaft via Steady   unterstützen https://steady.page/de/die-dunkelkammer/about   Vielen Dank! Michael Nikbakhsh im Namen des Dunkelkammer-Teams 

durée : 00:39:26 - L'Invité(e) des Matins - par : Guillaume Erner, Yoann Duval - Les guerres du futur sont de plus en plus proches et d'après le travail d'Emmanuel Chiva, elles arrivent dans 10 ans : guerres bactériologiques, manipulation du climat et chantage industriel, la guerre s'étend à tous les domaines et la France doit se tenir prête. - réalisation : Félicie Faugère - invités : Emmanuel Chiva Directeur de de l'Agence de l'innovation de défense rattachée au ministère des Armées; Alexandra Saviana Journaliste

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

durée : 00:09:32 - L'invité de 7h50 - par : Benjamin Duhamel - Catherine Vautrin, ministre des Armées et des Anciens combattants. - invités : Catherine VAUTRIN - Catherine Vautrin : Femme politique française Vous aimez ce podcast ? Pour écouter tous les autres épisodes sans limite, rendez-vous sur Radio France.

durée : 03:58:32 - La Grande matinale - par : Sonia Devillers, Benjamin Duhamel, Florence Paracuellos, Anne-Laure Sugier - Ce matin sur France Inter, à 7H50, Catherine Vautrin, ministre des Armées et des Anciens combattants. À 8h20, Ken Follett, romancier, auteur de “Le cercle des jours” (Robert Laffont, 09/2025). Et à 9h20, Rokia Traoré, chanteuse, pour son livre “Je suis née libre” (JC Lattès). Vous aimez ce podcast ? Pour écouter tous les autres épisodes sans limite, rendez-vous sur Radio France.

Interview : Philippe Notton, CEO de SiPearlPourquoi était-il urgent pour l'Europe de relancer une filière microprocesseur ?Depuis des décennies, l'Europe dépend totalement des technologies américaines et asiatiques pour le calcul haute performance. Cette dépendance est dangereuse : elle alimente la R&D étrangère, crée un transfert massif de valeur hors du continent et expose l'Europe aux décisions géopolitiques de pays tiers. Aujourd'hui, entre les restrictions d'export, les risques de kill switches et l'accès parfois limité à certains composants, il était urgent de reconstruire une capacité européenne. SiPearl s'inscrit dans ce réveil nécessaire.Qu'apporte RHEA-1 sur le plan technologique par rapport aux standards du marché ?REHA-1 repose sur une architecture ARM, plus efficiente et plus moderne que le x86 historique. Cela nous permet d'obtenir un excellent ratio performance/consommation, un point clé pour les datacenters.Le processeur embarque une très grande quantité de mémoire, ce qui le rend idéal pour le calcul scientifique ou l'inférence IA de modèles volumineux. Gravé en 6 nm, il se situe dans les standards actuels du HPC, et notre génération 2 passera au 3 nm pour renforcer densité et efficacité énergétique. Le fait d'avoir remporté l'appel d'offres du supercalculateur Jupiter face à Intel démontre que nos performances sont au niveau des leaders mondiaux.Pourquoi votre stratégie repose-t-elle sur le modèle fabless et sur TSMC ?Pour fabriquer un processeur avancé, il faudrait posséder une usine dont le coût dépasse les 30 milliards d'euros : impossible pour une startup. Le modèle fabless nous permet de nous concentrer sur la conception, tout en profitant du savoir-faire de TSMC, leader mondial.Même les géants américains – AMD, Nvidia, Apple – fonctionnent ainsi. L'enjeu pour l'Europe est donc d'abord de créer des produits compétitifs ; ensuite seulement, une demande suffisamment forte pourrait justifier l'installation de lignes de production avancées sur le continent.Quel rôle jouera SIPearl dans les supercalculateurs européens de nouvelle génération ?Notre premier client est le supercalculateur Jupiter, en Allemagne, où nos processeurs seront intégrés par Eviden. Jupiter sera la machine la plus puissante d'Europe, destinée au calcul scientifique, à l'intelligence artificielle et à des applications stratégiques.Ce premier déploiement est crucial : il prouve que l'Europe peut concevoir du silicium de très haut niveau et l'intégrer dans des systèmes complets. Les prochains supercalculateurs – dont le projet français Alice Recoque – pourraient amplifier cette dynamique et installer durablement une filière européenne de HPC.-----------♥️ Soutien : https://mondenumerique.info/don

On this episode of The Six Five Pod, hosts Patrick Moorhead and Daniel Newman discuss the tech news stories that made headlines this week. The handpicked topics for this week are:   AMD Financial Analyst Day Breakdown: AMD presents long-term growth projections with over 35% revenue CAGR. Pat & Dan discuss AMD's 10-15% GPU market share projection, emphasizing Lisa Su's track record of execution and credibility.    SoftBank's Strategic Repositioning: SoftBank sold its entire stake in Nvidia for $US5.83 billion ($8.9 billion). Masayoshi Son, Chairman of Japan's SoftBank Group plans to reallocate capital to OpenAI and other AI infrastructure investments. Hosts discuss the potential of ARM-based AI chip development.   Anthropic's Infrastructure Investment: New $50 billion data center construction commitment with FluidStack. Claude Code is driving significant revenue and a path to 2028 profitability. Comparison with OpenAI's infrastructure strategy and independence goals.   Cloud Infrastructure and Capacity Deals: Nebius secures $3 billion deal with Meta for GPU capacity. Meta's strategy of risk-sharing and outsourcing during demand peaks.   The Depreciation Debate: Patrick argues there's a 6-year depreciation period for GPUs based on historical usage patterns, citing continued use of A-, V-, and H-series GPUs. Questions are raised about reticle limits and performance scaling sustainability.   Government Shutdown Resolution: Senate votes to reopen government after 43-day closure, leaving in its wake and estimated $11 billion permanent economic loss and $16 billion in missed wages. Hosts break down the market's mixed response with AI sector concerns overshadowing the reopening.   Cisco Earnings Analysis: Beat on revenue and earnings with solid enterprise performance. AI infrastructure orders are expected to triple to $3 billion in 2026. Hyperscale AI orders are at $1.3 billion with a strong growth trajectory.   CoreWeave Market Position: Stock down 33% from three-month peak, but still up 16% over six months. Data center build-out delays appear to be impacting capacity and revenue projections.   Applied Materials Performance: Beat expectations despite revenue decline from the China market loss. Future growth potential from TSMC, Intel, and Samsung US expansion. For a deeper dive into each topic, please click on the links above. Be sure to subscribe to The Six Five Pod so you never miss an episode.

Contaminação de amianto em areia colorida usada por crianças causa fechamento de escolas no ACT e Brisbane, e alertas na Austrália do Sul. Número de apreensão de armas cortantes em Victória aumenta 50% em um ano, informa polícia. No futebol, Portugal goleia a Arménia por 9-1 e está apurado para o Mundial de 2026. No Brasil, PIX completa cinco anos como sistema líder de pagamentos e amplia inclusão financeira.

http://copperplatemailorder.com                                 Copperplate Time 520                              presented by Alan O'Leary                         www.copperplatemailorder.com 1. Bothy Band:  Green Groves/Flowers of Red Hill.  After Hours 2. Marcus & PJ Hernon: Caught in the Surf/Reel of Rio/The Corner House.                         Celebrating 50 Years3. Gatehouse:   The Gypsy Princess.   Heather Down the Moor 4. Sandy Denny:   Late November.  Sandy Denny 5. Niamh Ni Charra:    Clan March.   Donnelly's Arm 6. John & Jacinta McEvoy: The Trip to Tara/The Bull Feast.   The Boyne Mist 7. Garadice:   The 2 Mile Gate/Brigid McRory/Woods of Caol Ruadh.  Sanctuary 8.  Paul Boyle: Never Was Piping So Gay/Maid Behind the Bar. Private Recording 9. Maggie Boyle:  Gweebarra Shore.   Gweebarra 10. Kevin Boyle:  Number 1 Sardine.   Bon Cabbage 11. Carlos Dylan/Cein Sweeney/John McCartin:                The Tinker's Stick/Spoil the Dance/Humours of Lissadell.                    The One After It 12. Jake Walton:  The Lake Isle of Innisfree.  Silver Muse 13. Sorcha Costello. Lawson's HP/Spellan's Fiddle.  The Primrose Lass14. Michael Banahan:   Leaving On Your Mind.   Broken Heart 15. Terry Clarke:   Sligo Honeymoon 1946.   The Shelley River 16. Judy Collins:   My Father.   Colours of the Day 17. Ralph McTell & Dave Pegg:   A Close Shave.  The Old Pals Act 18. Gerry Hanley: Jackie Coleman's/Bird in the Bush/Mountain Top.                In The Middle of It 19. Danu: Peggy's Nettles/Butlers of Glenn Avenue/Mountain Top.                Think Before You Think 20. Dave Sheridan:The Letterkenny Blacksmith/Matt Peoples/Famous                       Ballymote.  Drivin' Leitrim Timber

The console wars are back on. This week, Nilay Patel sits down with Jake Kastrenakes, Sean Hollister, and special guest Joanna Stern, senior columnist at The Wall Street Journal, to talk about Valve's return to the living room gaming race with the Steam Machine, Steam Controller, and Steam Frame VR headset. Then, Joanna discusses her time putting the Neo robot to the test and seeing whether it's capable of loading a dishwasher. Finally, it's time for the Lightning Round, where the crew is talking the YouTube/Disney spat, Apple's new mini apps, and letting Waymo speed down the highway. Further reading: Our first look at the Steam Machine, Valve's ambitious new game console  Valve enters the console wars  Valve just built the Xbox that Microsoft is dreaming of  Valve's new Steam Controller might be my dream controllerThe Steam Frame is a surprising new twist on VR  Steam Machines have returned: all the news about Valve's new hardware universe  The Steam Frame has two speakers on each side of your face for vibration cancellation  Valve's new VR streaming trick won't just work with its own headset  How the Steam Frame compares to other VR headsets  Valve thinks Arm has ‘potential' for SteamOS handhelds, laptops, and more  Valve is welcoming Android games into Steam  Valve has stopped manufacturing its Index VR headset Valve has no news about Steam Deck 2 — because it's still waiting for the right chip  We tried Valve's new VR headset, PC, and controller — ask us anything!  I Tried the First Humanoid Home Robot. It Got Weird Know Your Meme  1X Neo is a $20,000 home robot that will learn chores via teleoperation  Meet NEO, the AI-Driven Robot That's Coming to Lend a Hand Around the House — for a Steep Price The Problem with this Humanoid Robot Samsung brings a generative AI-powered Bixby to its TVs  Gemini for TV is coming to Google TV Streamer starting today  Google says its confusing Gemini Home rollout is going just great  Google Photos lets iPhone users edit images by describing changes  Disney is losing over $4 million a day in revenue on the YouTube TV blackout Disney is “trying really hard” to get ESPN back on YouTube TV Peyton and Eli Manning Drop the Ball, Embarrass Themselves With Bob Iger Interview Apple made a $230 crossbody… sock  Steve Jobs introduces iPod socks in 2004 Mini apps Apple will take a mini commission from mini app developers ⁠Amazon is cracking down on illegal streaming on its Fire TV Stick ⁠ Subscribe to The Verge for unlimited access to theverge.com, subscriber-exclusive newsletters, and our ad-free podcast feed.We love hearing from you! Email your questions and thoughts to vergecast@theverge.com or call us at 866-VERGE11. Learn more about your ad choices. Visit podcastchoices.com/adchoices

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

NEW CTP for IBIT Under/Over - Looks like the OVER Presidential PARDONS and A King's EVICTION All Excited - Making headway on the Deficit ! PLUS we are now on Spotify and Amazon Music/Podcasts! Click HERE for Show Notes and Links DHUnplugged is now streaming live - with listener chat. Click on link on the right sidebar. Love the Show? Then how about a Donation? Follow John C. Dvorak on Twitter Follow Andrew Horowitz on Twitter   Warm-Up - NEW CTP for IBIT - Under/Over - Looks like the OVER - Presidential PARDONS and A King's EVICTION - All Excited - Making headway on the Deficit ! Markets - DJIA hits new ATH - after big moves last week - Buyers stepped in (again) - NASDAQ - lagging as AI trade is questioned - THEREFORE - what is happening is a simple rotation again - ALL IN! Just back from a wedding in NJ - Did some Apple picking, hot cider and donuts! Pardon Me... - President Donald Trump has pardoned a long list of his political allies for their support or involvement in plans to overturn the 2020 presidential election, according to the Department of Justice's Pardon Attorney, Ed Martin. - Several others (20+) were pardoned as well including some that plead guilty. Over the Pond - King Charles III on Thursday stripped his disgraced brother Prince Andrew of his remaining titles and evicted him from his royal residence after weeks of pressure to act over his relationship with sex offender Jeffrey Epstein, Buckingham Palace said. - After the king's rare move, which follows years of shameful scandals, he will be known as Andrew Mountbatten Windsor and not as a prince, and he will have to vacate his Royal Lodge mansion near Windsor Castle. Debt - The U.S. government's gross national debt surpassed $38 trillion Wednesday, a record number that highlights the accelerating accumulation of debt on America's balance sheet. - It's also the fastest accumulation of a trillion dollars in debt outside of the COVID-19 pandemic — the U.S. hit $37 trillion in gross national debt in August this year. - “During his first eight months in office, President Trump has reduced the deficit by $350 billion compared to the same period in 2024 by cutting spending and boosting revenue,” White House spokesman Kush Desai said in a statement, adding that the administration would pursue robust economic growth, lower inflation, tariff revenue, lower borrowing costs and cuts to waste, fraud and abuse. - Petersen Foundation: “Along with increasing debt, you get higher interest costs, which are now the fastest growing part of the budget,” Peterson added. “We spent $4 trillion on interest over the last decade, but will spend $14 trillion in the next ten years. Interest costs crowd out important public and private investments in our future, harming the economy for every American.” - Debt Growing by $69,000 per second over the the past year... Stock New - BIG Softbank - Softbank sells entire stake in NVDA - $5.83 Billion - To soften the blow, they said that it as because they are using it to redeploy further into AI - OpenAi to be specific - Also sold part of T-Moblie and using margin loan against ARM to fund the $22.5 BILLION investment in OpenAI - “This should not be seen, in our view, as a cautious or negative stance on Nvidia, but rather in the context of SoftBank needing at least $30.5bn of capital for investments in the Oct-Dec quarter, including $22.5bn for OpenAI and $6.5bn for Ampere,” Rolf Bulk, equity research analyst at New Street Research, told CNBC. - IMPORTANT SO MARKETS DO NOT GET SPOOKED: ?[SoftBank] made a point of saying that it wasn't any view on NVIDIA. ... At the end of the day, they are using the money to invest in other AI related companies,” he said. Coreweave Earnings - The provider of infrastructure for artificial intelligence companies, reported better-than-expected third-quarter revenue on Monday, but the company delivered disappointing full-year...

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

Ministry Sponsors:Saga Metals CorpThanks to Saga Metals Corp for sponsoring today's video. You can get their latest presentation here on their website:https://sagametals.com/corporate-presentation/Tickers: OTCQB: SAGMF | TSX-V: SAGADISCLAIMER: This video was conducted on behalf of Saga Metals Corp, and was funded by CAPITALIZ ON IT. I have been compensated for this video. I only express my opinion based on my experience. Your experience may be different. These videos are for educational and inspirational purposes only. Investing of any kind involves risk. While it is possible to minimize risk, your investments are solely your responsibility. It is imperative that you conduct your own research. There is no guarantee of gains or losses on investments. Please do your own due diligence. I am not a financial advisor, and this is not a financial advice channel. All information is provided strictly for educational purposes. It does not take into account anybody's specific circumstances or situation. If you are making investment or other financial management decisions and require advice, please consult a suitably qualified licensed professional.The securities of Saga Metals Corp are speculative, and the company has not yet achieved consistent positive cash flow from operations. As a growth-stage company, it anticipates negative cash flow for the foreseeable future as it focuses on development and commercialization efforts. Parties viewing this video should thoroughly review the company's public disclosure and documents available on sedarplus.ca.See full disclaimer here: https://capitalizonit.com/saga/Gray Toad TallowGray Toad Tallow's handcrafted balms made from grass-fed, grass-finished tallow help heal real skin issues like dryness and psoriasis. Explore their sample pack and save 15% with code RIGHT15 at https://www.graytoadtallow.com/Armored RepublicWe make Tools of Liberty for the defense of every free man's God-given rights: Arm yourself with body armor and a plate carrier of your choosing; build your setup with accessories, equip yourself with an armored backpack.https://www.ar500armor.com/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 we will reach out to discuss how we can tailor a partnership that drives real results.https://91znn6hr1aa.typeform.com/joelwebbon