Podcasts about arv

Keith shares how a recent trip to Colorado Springs and a changing commission landscape reveal what really matters for real estate investors now From there, the show dives into the three levers investors truly control—leverage, operations, and relationships—before welcoming lender Caeli Ridge to break down the major mortgage options for investors. You'll hear how different loan types fit different strategies: from your first conventional "golden ticket" loans, to DSCR loans based on property income, to short-term fix-and-flip and bridge loans that prioritize speed and flexibility.  The episode then moves into how more advanced investors can scale beyond 10 doors, navigate debt-to-income and tax strategy, and even approach financing for short-term rentals—all while highlighting why having the right lending partner and long-term plan can make a big difference to your results. Episode Page: GetRichEducation.com/591 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  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 with new ways to think about your life through goals momentum in the real estate market. Then learn about various mortgage loan types, conventional DSCR, fix and flip, bridge loans, short term rental loans and more. Knowing which loans to use can save you millions and learn the fatal mortgage mistakes you must avoid today on get rich education.   Corey Coates  0:29   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 and 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   Speaker 1  1:14   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:30   Welcome to GRE from Winnebago, Minnesota to Winnipeg, Manitoba, and across 188 nations worldwide. I'm Keith Weinhold, and you're listening to get rich education, the voice of real estate investing since 2014 before we get into the mortgage discussion, where we'll discuss five or 10 different investor loan types and their various pros and cons, which could save you millions over the course of your life. I shared with you that I traveled to Colorado A couple weeks ago, for a goals retreat hosted by the real estate guys, top notch event, I spent extra time there in Colorado Springs, because I find it really livable, and I spent five hours with a local realtor there, one day out and about visiting properties in the area I'm potentially looking for a home or a second home. And by the way, how is this for a price range? The realtor wanted to know what my Buy Box is, and since I'm just learning the Colorado Springs market, I told him I'm willing to spend between 400k and 1.2 million on the property, yeah, pretty wide range, a mile wide. Fortunately, my other Buy Box criteria are more narrow and specific, and I have got to say, I'm surprised at how low the area's home prices are. I thought they'd be higher. Interestingly, before touring homes, my buyer agent wanted me to sign a six month exclusive representation agreement. Fair enough, that's standard stuff. It was on the agreement, though, that I as the buyer pay a 3% commission up on the purchase, and the seller would presumably pay the other 3% to make up that total 6% commission for the agent compensation. Well, historically, the seller paid the entire 6% and this, of course, goes back to the NAR settlement, and that ruling that became effective in August of 2024 you probably remember this, and I talked about it on the show back then, and how it's not really that big of a deal, especially to investors like us, because at GRE marketplace and with our GRE investment coaching, it's a direct model. There's zero commission on either side, and then you, in turn, get some of those savings, but out in the larger world and in the owner occupant world. Well, that rule change that started a year and a half ago. It means that sellers are no longer required to pay the buyer's agent. Instead, the fee is now negotiable between buyers and their agent. The other change is that property listings no longer display the buyer agent's commission offer. But here's what's interesting in practice, and what really ends up happening in the end, in most cases, is that the seller still pays the full commission and compensates both agents that full 6% sometimes it's 5% instead of six buyers and buyer agents, they still operate under the seller pays. And that's largely because that has just been the norm. It's what's seemingly always been done. It's what buyers are used to. And the reason that that often persists. Is because the seller is the party in the transaction that has that thick equity in the property, deep equity, and buyers are the ones often just trying to scrape together whatever they can for a down payment and closing costs. Buyers are not going to be able to come up with another 15k for an agent commission when they're buying a 500k property, that's 3% especially today, this is true because American homeowners the seller then still have record equity positions of about 300k an all time high. Nearly half of mortgaged homes are considered equity rich. What does equity rich mean? It means that the loan balance is less than half of the home's value, yeah, the seller has the means to pay the full commission. So the point is, in practice, the seller, yeah, still pays that full five to 6% commission in the overwhelming majority of cases, and the buyer pays nothing. And if that does change, it's going to take a long time. You know, a lot of these evanescent real estate stories that people think are going to have some seismic impact. It rarely does, like this erstwhile NAR ruling or the 50 year mortgage proposal or banning big institutions for buying more single family rentals. You know, this stuff is like one little baseball sized asteroid striking an entire planet. I mean, it's like a barely discernible impact. Real estate is anchored in one place like Jabba the Hut. It is solid. These stories are interesting, but they're not impactful.   Keith Weinhold  6:52   Instead, I've mentioned it before. What are three things you control in real estate that really matter. And these are evergreen things. First, it's, how many dollars are you leveraging? That's where your wealth is going to come from. In fact, we're going to discuss that today with mortgage loan types. Second, what's the efficiency of operations on your existing properties? And thirdly, what is the quality of your relationships? And actually, we're addressing the third one today too, talking to a lender that you could make part of your team. You can control these three things. They're unyielding, they're evergreen, they're long term, and they all have gratitas and impact those three things, leverage operations and relationships. Now my agent drops me off and picks me up from my hotel here at the Broadmoor in Colorado Springs. This was also the event hotel for the goals retreat. I just extended my stay to hang out in the area. Look at real estate, do some climbing on Pikes Peak. Pro tip for you on hotel room rates, talk to a human being before I booked my stay, I called the front desk and asked them if they could extend the attractive event room rate to more nights on my extended stay. And they agreed. You might have heard of the Broadmoor. It is well known. It's been here for more than 100 years, and it is such a fine place to stay. Let me tell you about this special piece of real estate. In fact, I've thought it through, and I will now hereby proclaim that it is the finest us hotel experience that I've ever had in my life. I say us because I stayed at an amazing place in Dubai. But what makes the Broadmoor stand alone? It's the details and the service. A lot of hotels are nice, but this is on a different level. And I don't say this to brag, and this is because you probably can afford to stay here, yeah, like I have. You might have paid more elsewhere in your life for a lesser hotel, although I am here in the low seasons. Okay, now, sure, you've got views of the Rockies and a man made lake and waterfall and even a beautiful chandelier in my hotel room. The thing that sets it apart, though, is you have this service that feels old world and not corporate. That's what makes the difference. The Broadmoor is horse themed, since horses are a symbol of the American West. There are about 800 rooms here. It's kind of like a self contained adult Disneyland championship golf courses, a world class spa, even an outdoor lap swimming pool like that has lanes that I swam in one morning for. Fine dining, casual dining, access to hiking, fly fishing, even falconry, zip lines, tennis, pickleball pools. Take the cog railway to the Pikes Peak, Summit. Okay. Now, other nice hotels have attractions that are sort of like that, but when I rave about the service, it's the little things they are knocking on my door before 10am to come in and clean the room. And you know how so commonly, when you first check into your hotel room and you look in the closet, there are not enough clothing hangers, and they're all like stupidly mismatched. These all match. They're all nice wood, and there are plenty of them. So I'm talking about these details. I'm telling you. I had dinner at one of the broadmoor's restaurants the other night. I just happened to take a close look at the tag on the napkin. Sure enough, it is made in Italy. I mean, jeez, no detail is overlooked at this stellar place. In fact, here's what I'll do. You know, I'll just completely stop my Colorado Springs home search right now. Instead, I'm going to stop down by the Broadmoor front desk, tell him to give me some moving boxes, because I'm moving into the Broadmoor and I'll be here for the next decade. Start forwarding my mail here and everything. And hey, at least I was courteous enough to give them notice. I can't stay here too long, or my standards will be rising faster than my net worth. Yeah, yeah. Can't go to sleep with a mint on your pillow every night, I suppose.    Keith Weinhold  11:38   Now, the reason I came here now is to attend that aforementioned goals retreat, and let me take all the time and all the resources that I put into being here and distill them into just a few of the most salient takeaways for you. Goals should be smart, strategic, measurable, actionable, relevant and time based, they must be written down. Now, how would you describe yourself to somebody else that didn't know who you were? Write that down next. What do you think your reputation is? How would others describe you? Write that down now that you can see how you describe yourself and how others describe you, you can see that there's a gap there. That gap is what you need to work on. I learned that goal should be written in the present tense, not the future tense. I did not know that before. For example, say it is January 1, 2035, and I own $5 million in rental property. That's an example of how you would do that. So take future events and write them in the present tense. Other questions at the goals retreat that got really introspective are, what are you really going to do with your life? And write down that answer. Sheesh, that is tough. And if you think that's a hard question for you to ask of yourself, the next one is even harder. It's simply why? Why is that where you're going with your life? And then write that down? I mean, would you answer questions like this for yourself? And you really think about it, that can occupy a new segment of your entire headspace. It is a big cognitive load, and a last one to leave you with is to dream not just big, but gigantic. Get it out there, write down a dream that interests you, but it's so grandiose that you're actually embarrassed to tell someone about this stretch dream, for example, for me, it's the first person to walk on another planet. No human has ever done that, and this would most likely happen on Mars. See, this is so grand that is sort of embarrassing for me to even share that with you. It almost makes you sound Loony, like I would have to learn so many new skills to travel to and walk on Mars. But you should write down a bunch of other goals too. You're sort of brainstorming on goals, attainable goals. Recall that is the A in the SMART goals acronym, you want to write down a bunch of attainable ones, not just that stretch one. So for attainable ones, one of them is for me to become the highest man on earth. To give you an example. And I attempted that goal two years ago, and I failed. I told you about that at that time. But see now, compared to my embarrassing stretch goal of walking on Mars, the highest man on earth feels attainable, I know what it takes to achieve it, and it's worth doing, ah, but it's a grind to get there, yet it would be worth it. Those are some quick take. Ways from the real estate guys goals retreat while on stage the event host Robert helms he took a minute respite from the goals material, and he recognized the fact that, as he calls it, the four OG real estate podcasters are all in the same room. One of them is helms himself, and now I feel like the other three are all older and doing it longer than me. I was one of the four that he mentioned. But you know, there is only one podcast that was mentioned from stage, and that is that Robert helms told the audience that they should be listening to the get rich education podcast. That was a nice thing to say, and he is always a gracious giver.   Keith Weinhold  15:45   Next, we're talking about four major loan types, conventional DSCR, fix and flip and then bridge loans. When we discuss the first two parts of it could sound repetitive, but you'll see why we do this, because then you'll be able to compare it to nichey loan types that we discuss, for example, the speed of a bridge loan, where you can get funded in just one week, compared to a slower conventional loan. The mortgage landscape changes. I still remember how in 2012 we had still somewhat freshly emerged from the global financial crisis, and back then, you could only get four conventional loans, four rental properties, not 10 like you can today, 20 married. So get your loans while you can, you probably won't always be able to get 10 loans. We'll start with loan types that are more for beginners, and then we'll get to advanced material. Let's welcome back one of our favorite recurring guests.   Keith Weinhold  16:54   You can make millions more throughout your life by understanding mortgage loans. This is key, and today it's the return of the woman that's created more financial freedom through real estate than any other lender in the entire nation, because she's the president of ridge lender group. Hey, it's time for a big welcome back to the incomparable, yet somehow still so approachable Chaley Ridge   Caeli Ridge  17:16   my Keith, thank you for having me. I love being here. I love what you're doing. It's my pleasure, sir.   Keith Weinhold  17:23   And our followers, our listeners, have been approaching you since 2015 you're one of the longest running guests, truly one of the OGS around here at GRE and now Caeli, before we discuss loan types. You know, we don't really talk politics on this show rather policies, and we're in the midst of a presidential administration that often, in the name of the word affordability, is trying to supremely shake things up in the housing market. Help us dissect what matters and what won't.   Caeli Ridge  17:58   I have found that at least as it relates to current administration, whoever that might be, I wait for the buzzwords or the taglines to become the actual policy. Like you said, That's a good point in this case. You know, you've got things floating around, like the 50 year mortgage cutting off the hedge fund guys and that kind of thing. Whether or not, those things come to fruition. I'm happy to give my opinion on them. I do not think that it's going to move the needle much for the people that you and I serve with regard to I mean, just taking them one at a time, I don't think that the 50 year is going to come to fruition. Just first and foremost, if it did do, I think it would be a good idea for a homeowner, probably not, but for an investor, maybe if there's some way that we can keep our payment lower, given the maturity date of a mortgage for an investment property is usually about five years. I mean, I know that this is a 30 year fixed mortgage, but statistically speaking, the average shelf life of a non owner occupied mortgage is about five years. So getting a 50 year amortization, if that were going to reduce the payment, I don't think is a bad thing for an investor, however, and this may get a little bit technical for the listeners, so I apologize in advance if we were to go to a 50 Year am the adjustments, something called, and you and I have talked about this before, something called an llpa, that stands for loan level price adjustment, I think would be such that it could end up defeating the purpose of having the longer term amortization, because I think the interest rates would be higher and I think they may offset so that was a long way to say. One, I don't think it's going to happen. I don't think it's actually going to get to its final resting place. And two, would it be a good idea for investors, yeah, I think it would be worth considering if it kept the payment lower. Okay, that's that as the other piece to cutting off the hedge funds, the big, you know, BlackRock, some of the big players, and giving them access to the residential housing and first right of infusion or etc, because they've got such deep pockets. You. It's such a small amount to what our individual investors are going to have access to that I don't think that that moves the needle either. So I don't know if I'm answering the question, except to say anything that they're going to tout, I would wait for it to actually become written in stone and pass by the rest of the powers that be before I would get excited about or concerned about any of it.   Keith Weinhold  20:21   This is pretty parallel with what I've been telling our listeners. All these things seem to make splashy news, but I haven't seen anything that's going to make a deep impact yet, whether it's the 50 year mortgage, which probably won't even come to fruition, or if it's doing these mortgage bond buy downs in order to bring more liquidity into the market and bring rates down, or if it sees any of these other things being discussed with these institutional investors, since they already own such a smaller proportion of the housing market than a lot of people think, we'll discuss seasoned real estate investors and their loans shortly, but first for newer real estate investors, you Know, chili, I kind of think of four or more loan types that a beginner should be familiar with. I think of conventional loans, dscrs, fix and flips and then bridge loans, the first one with conventional loans. What are the basics that someone should know?   Caeli Ridge  21:17   So first of all, you should know that there are 10 of these. We call them the golden tickets. I'm pretty sure I coined this, okay, 100 years ago, the golden ticket. We call the conventional aka Fannie Freddie, aka agency. They go by different names, but they all mean the same thing. We call them the golden tickets because it's the highest leverage and typically at the lowest interest rate you can find. Now I do have a hook in our conversation today about that. I'll get we'll get to it. There are 10 of these per qualified individual. So one of the first things that I would tell somebody is, is that if they are a partnership or a husband and wife team, you want to make sure to keep the debt obligation separate, because if you want to maximize these golden tickets, let's just say it's a husband and wife team. You each have, per qualification access to 10, and that includes a primary residence. In fact, let me just take a quick second and define what counts in the 10, because some people get this wrong. So the 10 golden tickets are counted by any residential property, single family, up to four Plex that has a loan on it, where the loan is in the individual name or personally guaranteed by the individual. That's where people get tied up. So if they went out and got a kind of more of a commercial type loan, that was in an LLC name, for example, but they signed a personal guarantee, per Fannie Freddie guidelines, that particular mortgage is going to count against the 10. So those would be some of the first pieces of news or detail I would give them about conventional    Keith Weinhold  22:40   for married couples, don't take ownership in both the husband and wife's name, either the husband or the wife. That way, you can get to 20 rather than 10. And yes, you do have to be mindful that your primary residence does count in that 10 or 20, whatever it might be. Anything else quickly with conventional loans, LTVs so on,    Caeli Ridge  23:01   yeah, LTV can go to 85% loan to value. So you get a little bit extra than you're going to get in some of the other loan product types. It will have PMI, private mortgage insurance, anything over 80% LTV will always have PMI on a more conforming, conventional basis. So keep that in mind. But the factor is pretty low. I would encourage people that are looking to stretch the almighty dollar. Do the math. Look at the 85 with PMI against, say, an 80% and see what are you giving up versus what you're getting. And then qualification stuff, you guys, my dumb joke, it's Keith's favorite. I'm sure vials of blood and DNA samples are sort of required for the Fannie Freddie loans. So just be prepared to supply or submit us the tax returns and pay stubs and bank statements and and all that stuff,   Keith Weinhold  23:44   you'll feel like you're getting fingerprinted almost for a conventional loan qualification. And the second one that I brought up DSCR loans, that's short for debt service coverage ratio. And these mortgages are pretty standard for rental properties. They're underwritten based on a property's income potential. So you know, the way I think of dscrs Chaley from the lender's perspective, is that sustainable cash flow is what matters. The rent has got to support the property's monthly mortgage payments. So we talked to us more about dscrs.    Caeli Ridge  24:15   Yeah, I love this product, and this is for somebody that either can't fit into the conventional Fannie Freddie box, or maybe they've exhausted their golden tickets and they're graduating and moving on. This is a great option that will reduce the amount of vials of blood and DNA samples that you're going to have to submit. It still provides for a 30 year fixed mortgage. The leverage is roughly the same, 80% in most cases, on a purchase. And to your point, the gross income divided by the principal, interest, taxes, insurance and Hoa, if it's applicable, is the simple formula, the easy method I'll give people, just to kind of solidify that math, is that if the gross rents were $1,000 a month, and if the PI TI was $1,000 a month, when you divide that, your debt service is 1.0 Now you can go as low, believe it or not, as low as a point seven, five, DSCR, they have those available be ready for the interest rate to get a little hair on it. Okay, it's going to be higher than what the 1.0 and above is going to be. But you can go as low as point seven, five, those are going to be for the investors that have found a property, maybe in distress, and they cannot show the current market value rent, perhaps, and it's on the low end. So you can still get that done at point seven, five, just be ready for a higher interest rate.   Keith Weinhold  25:30   So the DSCR loan an alternative for you, which might be especially useful, like Chaley touched on, if you've already exhausted your 10 golden ticket. Fannie Freddie loans, a DSCR of 1.2 for example, means that your rent income needs to exceed your principal, interest, taxes and insurance payment by 20% or more. That's what we're talking about here. And then Chile, those were more of loans for the buy and hold type of investor. Tell us about fix and flip loans.    Caeli Ridge  26:03   Yeah. So these are shorter term loan that will allow you to include not just the purchase of the property, but also some renovation or rehab money if you need that. And we're going to be looking at an ARV after repair value. So you've got a purchase price, you've got your renovation or scope of work budget. And then we're looking for an ARV with the ARV to be somewhere around 75% so what that means, if you've not heard of this before, you're going to take, let's say, $100,000 value. And if we want the ARV to be at 75% we're going to lend 75,000 is kind of the mix there. Those are quicker loans. You're going to be paying much higher rates on those. You know, between nine and 13% depending on the deal. The points are also going to be a little bit higher, but a great option for that quick turn and burn where you know your deal has enough skin in it and you can recapture all your capital and make a good tidy profit on it.   Keith Weinhold  26:53   We're talking about basically fixer upper loans here with Chaley Ridge, the president of ridge lending group, yes, these are jalopies that rarely qualify for traditional bank financing. And oftentimes, when I think about these fix and flip loans, I'm thinking that often there is interest only flexibility with regard to those higher interest rates that you need to pay. And I think of it as, you know, a shorter term loan that you've got during your renovation period, oftentimes 12 to 18 months. Does that sound about right?   Caeli Ridge  27:24   Yeah, 6,18, even 24 months. And to your point, yes, all of these are going to be interest only. And one of the cool things is about these loans is, is that, if there's enough room in the deal, right, based on what you need to borrow and what we think the ARV is expected to be, you don't even actually have to be making those interest payments. You can build it into the final payout when we go to refinance you out of this short term loan, or you simply sell the property and pay off that loan. So for example, let's say that your interest only payment is $1,000 a month, okay? And the value of the property is going to be $200,000 and you only took 120 okay, we're going to be well within that 75% ARV. You can build in that $1,000 say, for 12 months, there's $12,000 and just add it to the outstanding balance that you started by owing, and not have to be making those payments on an ongoing basis. It's not rented, right? So it might be nice to be able to factor that in to the actual payoff when you go to refinance that if it's a fix and hold versus go to sell it on a fix and flip.   Keith Weinhold  28:31   Now, long term, we know that the big gains for real estate investors really come from that leveraged appreciation getting that loan. But sometimes there are situations where we might want to act as a cash buyer. And that brings up this fourth of four loan types that I brought up, the bridge loan, short term loans that can temporarily finance a property purchase while you're waiting for a longer term loan to come through. The bridge loan, so I think of it as a pretty speedy loan, if you sort of want to act like you're an all cash buyer.   Caeli Ridge  29:04   Yeah, I like this, and in many ways it's similar to a fix and flip interest only. Obviously the term is going to be shorter, six months, 12 months, up to 24 months, and based on largely relationship, the bridge loan for the purpose that you described, really comes into play for an investor that we know and we're comfortable with, we can fund those inside a week, for somebody that we've done several of these loans for. So for those that need that really quick turn, once you've established yourself as a seasoned, experienced investor in that space, those are pretty slick and easy to get through.   Keith Weinhold  29:39   Why would someone use a bridge loan, rather than a fix and flip loan.   Caeli Ridge  29:43   So if they're in a very competitive market, that might be another option, because those are going to be faster. The bridge loan is going to be faster where they need to say that they're an all cash buyer and they only need seven days to close, or whatever it is. It depends on the municipality in the state. But what if you're at the courthouse steps? And you need cash quickly. Sometimes it needs to be immediate. So that might not be applicable in this case, but if you put the bid in, and you win the bid, and you've got, you know, three days to perform, usually we can get those done. So it's circumstantial. Those would be two variables or two scenarios that that would apply to   Keith Weinhold  30:17   the bridge loan gives you the advantage of speed, but that speed can come at a cost.   Caeli Ridge  30:22   Oh yeah, yeah, you're going to be paying probably three points, maybe four points, and it's short term interest, 13, 14%   Keith Weinhold  30:30   so with these four loan types that we've discussed, conventional DSCR, fix and flip and bridge loans, you can kind of see that there is a loan for most every investment scenario, and there's no reason to rely on only one type, a flipper. Might start with a short term fix and flip loan or a bridge loan and then later refinance to a DSCR or a conventional loan. So consider mixing and matching based on your needs. You're listening to get rich education. We're talking with Ridge leninger, President Taylor Ridge, more when we come back, including steps for more advanced investors, I'm your host. Keith Weinhold   Keith Weinhold  31:06   mid south homebuyers with over two decades as the nation's highest rated turnkey provider, their empathetic property managers use your return on investment as their North Star. It's no wonder smart investors line up to get their completely renovated income properties like it's the newest iPhone, headquartered in Memphis, with their globally attractive cash flows, mid south has an A plus rating with a better business bureau and 4000 houses renovated. There is zero markup on maintenance. Let that sink in, and they average a 98.9% occupancy rate with an industry leading three and a half year average renter term. Every home they offer you will have brand new components, a bumper to bumper, one year warranty, new 30 year roofs. And wait for it, a high quality renter in an astounding price range, 100 to 150k GET TO KNOW Mid South. Enjoy cash flow from day one at mid southhomebuyers.com that's mid southhomebuyers.com    Keith Weinhold  32:08   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 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  33:19   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 chailey Ridge personally, while it's on your mind, start at Ridge lending group.com that's Ridge lending group.com   Blair Singer  33:53   this is Rich Dad, sales advisor, Blair singer. Listen to get rich education with Keith Weinhold. And above all, don't quit your Daydream.    Keith Weinhold  34:09   Welcome back to get rich education chili when we go beyond this beginner stage that we've been discussing, how about for an investor just trying to scale to 10 doors worth of one to four unit properties. Now, are there any strategies there or more of a loan order that you would recommend in getting up to your first 10 you know   Caeli Ridge  34:29   I think the strategy starts with calling your lender, ideally Ridge lending group, and having that deep strategy call that, that discovery call, so that we can really understand and plant some seeds that say, Okay, Mr. Jones, these are your qualifications today. This is where you want to be in a year or 10 years. These are the steps that are going to be important that we are mindful of and we take to accomplish and reach those milestones. It's really important to have that baseline understanding of what is your debt to income ratio on day one, what are your assets? Sets. What is your credit? Where do you want to be in a year or 10 years? Right? Do you want 10 properties in a year's time? It's going to be a very different conversation than if you're going to slow roll this and want to establish 10 purchases or 10 investment properties over 10 years. So identifying those details is going to be part one, and then next, in terms of order, I would say, largely the higher price point properties, typically, I would say, put those in one through six. And the reason that I'm saying that is is that the underwriting guidelines under conventional financing, they will change based on how many finance properties you have. So of all of the inner working guidelines and things that go into securing a conventional mortgage loan, the three top most heavily weighted are going to be debt to income ratio, credit score and assets. Okay? And within each one of those, the marker or the qualification guideline changes as you evolve and acquire more property. So the higher up the ring you go, or the rung that you go to 10, the more restrictive the guidelines are going to be. So I would typically say, get the higher price point properties go into maybe one to four, one to six, if that's part of your strategy and your diversification of portfolio ownership. Then after you've established having two or three or four properties and that higher price point it as it gets harder to qualify, potentially, if your debt to income ratio is a little bit tight, you've got the smaller loan sizes that might be less impactful in debt to income ratio. All of this is very subjective to the individual's qualifications and needs, of course, but that might be one rule of thumb that I would take   Keith Weinhold  36:39   gosh, this This is absolute gold in helping you structure the architecture of a growing income property portfolio. And we're coming up on this Super Bowl, and whatever mortgage lender advertises for the Super Bowl or has some big, splashy campaign nationally, you know they are not the ones that are going to have conversations like this for you, they might be fine for buying a primary residence, but this is why you want to have a long term strategy and work with a lender that's aligned with you on exactly that sort of thing. And Chaley, is there a specific way in which one can avoid hitting the Fannie Freddie loan ceilings too early if you haven't already touched on it.    Caeli Ridge  37:22   Yeah, very good question. You know, I think that this is going to come down to a debt to income ratio conversation. It's easy enough to ensure that we contain assets and credit. Those are easier conversations. The debt to income ratio is the piece that's more complicated and can get away from an investor without them even knowing it. You don't know what you don't know, right? So I would say that debt to income ratio and making sure that your lender again, hopefully Ridge lending, because we know this like we know our own faces, making sure they know how to structure and provide feedback and consult on that schedule E, part of the beauty of real estate investing is the tax deductions. Right? Many people get into real estate investing, not for the cash flow, not even for the appreciation, but for that tax strategy, because they're high wage earners, or whatever it may be, and they're sick of paying x in taxes. So the debt to income ratio is key in scaling and making sure you can continue to qualify for those loans. The conversations that we have with our clients really go deep about where we can maximize our deductions to ensure that we get the tax benefit without precluding our qualification on a conventional underwriting basis in the DTI category.   Keith Weinhold  38:35   Now, during my growth as an investor, when I got above 10 doors, one gets above 20 doors. When one gets to 216 doors, I began where I needed to qualify more on a DSCR basis, where the lender is looking at the properties qualification, more so than me. So are there any other thoughts with regard to how one can set themselves up for success in really going big and well beyond 10 doors   Caeli Ridge  39:03   absolutely so once we've exhausted the Fannie Freddie, and I think one of the real value adds about Ridge is that we are not a one size fits all, and we are extremely holistic versus transactional. So having that first conversation and understanding what those goals are, so that we can pivot as we need to maximize the golden tickets, whether that be 10 to 20, right? If you're in a marriage or a partnership or whatever, and then setting up for the DSCR loans when the time comes, and taking advantage of those, there is no limit to how many DSCR loans we can get for one individual. We have yet to file an individual that we've had to say no, and we've done quite a few of the high, high acquisition investors, so I don't expect that to be an issue, but yeah, I think it's about planning, planting those seeds, creating roadmaps together and have those smart discovery conversations.   Keith Weinhold  39:50   Now, as you grow, one way you might diversify is to have perhaps at least a part of your portfolio in short term rentals. So what I. Comes to getting loans for sort of Airbnb or VRBO type properties. What does one look for there? How much does the landscape change versus the longer term rentals that we've mostly been talking about here?    Caeli Ridge  40:10   Yeah, I think that the differences are going to be about purchase versus refinance. If we're just talking about purchases, let's kind of try to keep it in one lane. If we're talking about purchasing a short term rental, you may be limited on leverage. You might lose a little bit of leverage, 5% let's say you could get to 75% and maybe on a short term they're going to back it off to 70% LTV, so there may be reduction in that loan to value. And the way in which we're going to quantify the income is absolutely important to share with your listeners on a purchase transaction, we have access to things like an appraisal. An appraisal is going to give us some median rental income, whether it be long term or short term, that we will use to offset a new mortgage payment if that's needed for the individual's debt to income ratio qualification. Now, if they don't need the rental income to qualify, then it's a non issue. But if they do, like most of us, need that rental income to absorb this new mortgage payment that we are securing for them, how that's going to quantify is important. So if it's not in a short term rental area, let's just say it's kind of off the beaten path, and there may not be enough data points to support the income that you need. It's important to know that up front versus way down the rabbit hole, when you paid for appraisals and you're all the way through the transaction and earnest money might be off the table if you had to cancel that kind of thing. So really important to understand the numbers in advance, I would say, when we talk about short term rentals and how the income is going to be quantified from an underwriting perspective,   Keith Weinhold  41:43   why does a borrower often need to make a higher down payment on a short term rental than they do a long term rental?   Caeli Ridge  41:49    You know, I think that in secondary markets, as we talk about mortgage backed securities and things like that, it's looked at as a higher risk. A short term rental is going to be a higher risk than just the stable long term, long burn tenant is going to be there and they've got their lease for a year, two years or whatever, at a time, the short term rental is more volatile and it's seasonal. It can be I mean, there's all those different factors, so higher risk means more skin in the game for the investor.   Keith Weinhold  42:13   That makes a lot of sense. Does that higher risk also translate into a higher mortgage rate for short term rentals than long term rentals?   Caeli Ridge  42:18    Fannie Freddie versus DSCR The answer is no. On the Fannie Freddie side, the interest rate's not going to change on a DSCR loan. Yes, it can be slightly higher, usually about about a quarter of a percentage point on a short term versus a long term.   Keith Weinhold  42:33   Now, are there any particular markets that lenders want to avoid with short term rental loans?   Caeli Ridge  42:39   No, as long as the property is habitable, and all the other metrics fit Qualifications and Credit and assets and all that stuff. No, there isn't a market that we're going to have any issues with now. We do get the notifications for natural disaster areas, and as that relates to the appraisal and things like that, if it's in a natural disaster area or zone, we may have to hold funding until after the disaster is over, and then we can go and take more pictures and make sure it's still standing and there's no major issues. But otherwise, aside from that, as long as it's habitable, no, there is no market restriction.   Keith Weinhold  43:12   Yes, with that variability of income for short term rentals, you can understand how a lender would be more careful in making a loan, and would want you, the borrower, to put more skin in the game for a short term rental. Well, Caeli, overall, what should an investor do in the next 24 hours to make themselves more lendable before contacting someone like you?   Caeli Ridge  43:36   I would say the answer is sticky, but call rich lending group. That's how you're going to make yourself more lendable. And the reason that I can say that is is that everybody's qualifications and needs and goals are inherently different. So calling someone that understands this landscape and can navigate the battleship in the creek like I like to say, that's the visual aid for those of you that need the visual is the first key. And with that conversation, we're going to be able to identify for you specifically what you would need to do to become more lendable. And it may be nothing   Keith Weinhold  44:07   well over there, Chaley, you're growing. You do loans in almost all 50 states. The GRE podcast has more than 5.8 million listener downloads, and you have helped countless GRE listeners acquire smart investor loans for fully a decade now. Just amazing. So talk to us about all of the loan types that you offer investors there at ridge.   Caeli Ridge  44:30   My gosh. Okay, so I think one of the real value adds for us is that we have such a diverse menu of loan products. We touched on a few of them already. So we've got the conventional Fannie Mae Freddie, Mac stuff. We've got our DSCR loans. We have bank statement loans, asset depletion loans. I can touch on those if you want. Keith, we have our short term bridge fix and flip. We have our All In One my favorite, first lien, HELOC we have second lien HELOCs. We have commercial loan products, and commercial can apply to residential and commercial property. A cross collateralization, commercial for residential properties. That just means, if you're putting 10 single families into one blanket loan, that would be cross collateralization, or if you're buying a storage unit that's straight commercial, and probably even more than that, ground up construction, there's really not a limit to the loan products that we offer, specifically for investors. The only thing we don't have, I would say in our arsenal is bare land loans. Those are hard to come by   Keith Weinhold  45:24   It sounds like you recommend a call in order to get some of that back and forth, to learn how you can best help that investor. But tell us about all the ways that someone   Caeli Ridge  45:32   can get a hold of you. Yes, there's a few ways. Of course, our website, ridgeline group.com, you can call us toll free at 855-747434385, 747-434-3855, 74, Ridge. Or feel free to email us info at Ridge lending group.com   Keith Weinhold  45:49   and you might get lucky. Hey, spin the wheel. Chaele does get on the phone and talk to individual investors herself too. So Chaley, it's been valuable as always to cover all these different loan types for beginners, and then what one does when they advance beyond that. It's been great having you back on the show.    Caeli Ridge  46:09   Thank you, Keith. I appreciate you.   Keith Weinhold  46:16   Oh yeah, a lot to learn from Chaley today. You've got mortgage rates three quarters to 1% lower than they were a year ago. At this time, in fact, last month, they ticked below 6% for the first time in years, and their lowest level in over three years. But when you introduce geopolitical uncertainty, well, that tends to make rates tick up again. Now, just what does happen when you have a lower overall rate trend like we have? Well, in this cycle, it's already spurred an increase in housing sales volume. It surged to 4.3 5 million in the latest reporting month, and that is the hottest annualized pace in nearly three years. Some of the same people who said, wait until rates fall, they're about to realize that prices didn't wait. Demand comes back fast. Inventory doesn't if mortgage rates take another leg lower, we could see quite a refinance wave in balanced markets or in supply constrained markets, bidding wars could follow. Now I've shared with you before that I totally do not predict interest rates. I don't know if anyone should. It is a great way to be fantastically wrong and supremely waste a lot of people's time. Instead, I think it's more efficacious for you to be able to interpret the signs that can trigger a further rate drop. Those signs are a weak jobs report that tends to bring lower rates because the labor market needs the help. So does softening wage growth, GDP below expectations, inflation continuing to cool, or a pickup in US Treasury demand. These are all signs that can lead to even lower rates. In fact, right now, with already lower rates and higher wages, real estate is more affordable than it's been in about three years, but overall, longer term, yeah, income properties still feel somewhat less affordable. It's less affordable than it was in pre pandemic times. That's for real for US investors, though, affordability is less about the price of the property, it's about whether the property pays for itself and grows your net worth while inflation does the heavy lifting for you, that's why it still works for us as investors. Higher prices don't kill investors inaction during inflation does you're not so much buying a say, 350k property. You're controlling it with 70k while your tenant and inflation do the rest. We don't rely on hope or appreciation. We start with inflation, tax benefits and debt pay down, and then appreciation typically happens too. A lot of times, the question for us goes beyond whether or not a property is affordable. The question is whether owning an investment property is better than inflation compounding against us, which is an investor mindset for this era, Ridge landing gear. President Chaley Ridge is a regular guest here because the mortgage space is so dynamic and things change a lot. For that reason, we expect to have her with us every few months this year, I'll see you next week. I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 2  50:01   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  50:30   The preceding program was brought to you by your home for wealth building, getricheducation.com   

In this video, I break down exactly how to run comps in a shifting market, how I personally analyze deals today, and how you should be underwriting properties so you don't overpay or get stuck holding inventory.   You'll learn: -Why sold comps matter less in changing markets -How to use active listings to gauge true competition -How pending sales reveal real-time demand -Why days on market can kill your profits -How to adjust your ARV and offers conservatively   Whether you flip houses, wholesale deals, or buy rental properties, this framework will help you make smarter offers and stay profitable even when the market isn't booming!   Questions? Contact me greg@velocityhousebuyers.com Instagram @grego_37

Are you hustling for cash flow but secretly terrified of buying the wrong property? What if you're obsessing over the wrong number… and it's killing your returns?In this punchy, numbers-driven solo, Kenny Bedwell (founder, STR Insights) reveals the overlooked metric that separates the real STR winners from the wannabes: ARV (After Repair Value). He breaks down why focusing only on cash flow or gross revenue is the most common — and expensive — mistake investors make, especially as the market shifts in 2026 and beyond. Learn how the savviest investors lock in instant equity, create options, and bulletproof their portfolios… while everyone else chases hype.Don't wait. Listen now to avoid the pain of a dud deal and embrace an approach that gives you more freedom, flexibility, and long-term wealth. There's no fluff here, just the data-driven truth no one else will say out loud.Timestamped Highlights[00:00] The #1 investor mistake that's rarely talked about—are you making it?[00:02:18] Why cash flow worship could backfire: brutal deal math exposed[00:03:45] The California trap: when betting on appreciation costs you real money[00:06:30] The $450k blunder: how over-improving can destroy your exit options[00:10:17] The illusion of “winning”—when high gross revenue is secretly a loss[00:14:21] Why 2026 will punish investors who ignore forced appreciation[00:17:01] Case study: how to engineer instant equity and triple your exits[00:24:47] Scouting for gold: how to spot ARV spreads in crowded markets[00:29:47] The real goal: buying so well, operations become nearly stress-freeMentioned ResourcesPriceLabsAirbnb (smart pricing)Hunter, New York (market example)Important LinksWant us to find the deals for you? https://strinsights.com Get Top Markers for STRs (2025) - https://rebrand.ly/28b1df Instagram – @kenny_bedwellYouTube – Cash Flow PositiveLinkedIn – Kenneth BedwellCash Flow Positive is an original podcast hosted by Kenny Bedwell. Brought to you by STR Insights. Production and editing by Podcast Your Brand.

Imagine being a broke college student delivering DoorDash orders just to pay rent. Now, imagine taking that same obsession with efficiency—shaving seconds off delivery times—and applying it to real estate. That is exactly how Josh Janus built a $15 million portfolio with hundreds of units in just three years.In this episode of UpFlip, Josh breaks down how he went from a $3,000 wholesale fee to managing 50+ rehab projects at once. He reveals the "Notebook Rule" that allowed him to scale, the hard lessons learned from losing $250k to bad contractors, and the exact criteria he uses to find off-market deals that no one else is looking for.In this episode, you'll learn:The DoorDash Mindset: How optimizing burger deliveries for tips taught Josh to identify the most motivated sellers in real estate.The 3-Pillar Strategy: The simplified framework (Financing, Deal Flow, Network) for starting in real estate with $0.Wholesaling 101: How Josh made his first $3,000 by selling information on a property he couldn't afford to buy.Finding "Hidden Equity": The specific search criteria (5+ years ownership,

Il y a un an, Donald Trump était élu président des États-Unis. Le nouveau locataire de la Maison Blanche est depuis omniprésent à l'international. En Afrique, le Nigeria et l'Afrique du Sud ont été directement concernés par un interventionnisme décomplexé… La fin de l'Agence des États-Unis pour le développement international (Usaid), quant à elle, a de lourdes conséquences humaines sur le continent. Les manifestants brandissent un immense drapeau du Venezuela dans les rues de Pretoria, capitale de l'Afrique du Sud. Celui des États-Unis, flotte en arrière-plan au-dessus d'une ambassade américaine surprotégée. Les slogans des manifestants sud-africains sont clairs : « Hands Off Venezuela », ‘Ne touchez pas au Venezuela.' » « Il s'agit d'une manifestation d'urgence, explique Mohammed Desai, de l'Association Afrique du Sud-Amérique latine, organisée par diverses organisations de la société civile sud-africaine, des partis politiques ainsi que des syndicats. Aujourd'hui, c'est le Venezuela qui est attaqué, demain, nous craignons que ce soit l'Afrique du Sud ! » Lors de la manifestation, le secrétaire général du Parti communiste sud-africain Solly Mapaila regrette le manque de réactions internationales. « À l'heure actuelle, tonne-t-il, les États-Unis font ce qui leur plait ! Il est regrettable qu'ils soient autorisés à le faire et que certains pays dans le monde n'aient pas réagi de manière appropriée... Nous refusons de vivre dans un monde monolithique dans lequel les États-Unis nous imposent une forme extrême de capitalisme de droite et de conservatisme, sans quoi ils ne nous considèrent ! » Nations unies, salle du Conseil de sécurité. Trois notes, les diplomates s'installent. La présidence somalienne prend le micro : la réunion 10085 du Conseil de sécurité est déclarée ouverte. Ce 5 janvier 2026, la désapprobation africaine face à l'intervention des États-Unis au Venezuela est cette fois-ci exprimée en termes diplomatiques, par la voix de l'ambassadeur Lewis Brown. Le représentant du Liberia aux Nations unies s'exprime devant le Conseil au nom du A3, le groupe des trois membres africains non-permanents du Conseil de sécurité : « De tels développements représentent des défis sérieux, non seulement par rapport à la stabilité interne du Venezuela, mais aussi parce qu'ils soulignent l'impératif de sauvegarder, plus largement, la paix et la sécurité de la région. Le A3 demeure ferme dans son engagement en faveur des principes fondamentaux du droit international, y compris le respect total de la souveraineté et de l'intégrité territoriale des États, tels qu'inscrits dans la charte des Nations unies, dans l'intérêt de la stabilité régionale et de la paix internationale. » Plusieurs gouvernements et organisations ont également marqué leur protestation par des communiqués : le Ghana, la Namibie, l'Union africaine ou l'Alliance des États du Sahel. Interventionnisme décomplexé  Le cas vénézuélien est devenu emblématique d'un interventionnisme décomplexé. Et l'Afrique est d'autant plus concernée par cette politique de puissance qu'elle en a elle-même été la cible. Dès février 2025, des frappes américaines sont déclenchées contre des cibles de l'organisation État islamique dans les montagnes du Golis, dans le nord de la Somalie. À la fin de l'année, c'est le Nigeria qui fait l'objet d'une intervention américaine, préparée et justifiée par un argumentaire sur mesure : l'existence d'un prétendu massacre de chrétiens dans le pays. Des frappes censées viser l'État islamique sont déclenchées le jour de Noël, le 25 décembre. En ce début d'année 2026, certains sur place s'interrogent encore sur les motivations réelles de l'intervention américaine… Comme le professeur Muktar Omar Bunza, qui enseigne l'histoire sociale à l'Université du Nord-Ouest à Sokoto, au Nigeria. « Avec ce qu'il s'est passé au Venezuela, explique-t-il, les gens ont l'impression que les Américains peuvent prendre n'importe quel prétexte, comme par exemple cette histoire de persécutions religieuses, que n'importe quoi peut servir de justification pour que les Américains s'emparent des ressources d'un endroit. Donc, les gens ont peur, ils craignent que ce soit juste une étape, ils perdent confiance dans l'idée d'une démocratie américaine qui respecterait les droits humains, ou qui les défendrait ». Le Grand invité AfriqueOusmane Ndiaye: «L'Afrique subit déjà la brutalité de Trump» L'inquiétude est d'autant plus forte que la parole développée autour de cette politique de puissance s'émancipe largement des faits, de la réalité du terrain. L'exemple nigérian n'est pas unique. L'Afrique du Sud a elle aussi dû endurer les déformations trumpiennes de la vérité. Depuis son retour au pouvoir, Donald Trump s'est érigé en défenseur des fermiers blancs qu'il considère victimes d'un « génocide » en Afrique du Sud. Cette affirmation ne s'appuie pourtant sur aucun fait. « Il nous ramène dans notre passé ! » Se rendre dans une ferme au nord de Pretoria aide à s'en rendre compte. Ici on élève des poulets et l'on produit des choux ou des poivrons. Le Dr. Ethel Zulu est nutritionniste de formation. Il y a une dizaine d'années, elle a choisi de devenir agricultrice, elle est aujourd'hui à la tête d'une propriété d'une vingtaine d'hectares. Le crime en milieu rural, raconte-t-elle, touche aussi (et surtout) la communauté noire. Elle en a elle-même été victime. « Avant, explique-t-elle, nous occupions notre maison entièrement, mais nous avons décidé d'y installer aussi certains de nos employés, pour ne pas être seules ma fille et moi. Comme ça on se sent un peu plus en sécurité. Vous savez, cette question de la sécurité dans les fermes est un problème qui touche toute la communauté agricole, ce n'est pas du tout un problème racial mais bien un problème national. » Sa réaction aux propos du président américain, à ses affirmations sur une communauté blanche prise pour cible et l'existence d'un « génocide » ? « Cet homme est raciste, c'est tout ! Parce que les incidents que subissent les agriculteurs noirs dans leurs exploitations, comme moi, personne n'en a parlé. Nous venons par exemple de perdre un cadre de notre coopérative - AFASA. Le 26 décembre 2025, ils sont entrés armés chez lui, lui ont dérobé tout son argent, puis l'ont tué ! Et on nous dit que les agriculteurs blancs sont plus vulnérables que les agriculteurs noirs ? Ce sont des mensonges, des absurdités, nous sommes tous des cibles ! D'une certaine manière, ces propos divisent le pays en raison de notre histoire. Nous essayons d'aller de l'avant, et lui, il nous ramène dans notre passé ! » Ethel Zulu sort son téléphone et ouvre WhatsApp. Apparaissent alors de nombreux groupes communautaires, symbole de l'entraide entre voisins. « Tous les membres sont des agriculteurs du coin… Là, c'est notre équipe d'urgence… » Dans ces groupes, les noms Afrikaners, de la minorité blanche, se mêlent aux noms africains. Illustration d'une communauté d'agriculteurs soudée, victime de la même criminalité, parce qu'isolée en milieu rural, loin des postes de police.  « Not in our name » De l'autre côté de l'Atlantique, malgré le rappel des faits et de la réalité de terrain, Donald Trump persiste. Le documentaliste Louis Gaigher et plusieurs dizaines d'Afrikaners ont co-signé une lettre ouverte dans la presse sud-africaine, « Not in our name », 'Pas en notre nom'. Une réponse aux propos américains. « Je pense que ce qu'il fait ici, ou plutôt le genre de rhétorique qu'il utilise, relève complètement de la suprématie blanche. Je trouve cela extrêmement opportuniste. Je ne peux parler qu'en mon nom, je refuse qu'on me présente comme un réfugié ou quelqu'un qui souffre à cause du gouvernement postapartheid et de la démocratie. »  En Afrique du Sud, 35 ans après la fin de l'Apartheid, la minorité blanche est encore très puissante économiquement et politiquement. Elle détient une grande majorité des terres du pays. Si la Nation arc-en-ciel est confrontée à bien des défis, Louis Gaigher et les autres signataires de cette tribune, refusent d'être « des pions dans les guerres culturelles américaines ». « L'administration américaine attaque notre politique de redistribution des terres. Mais ici nous avons l'État de droit qui doit toujours être protégé. Et c'est complètement ridicule que les Américains se plaignent de notre loi sur l'expropriation sans compensation ​alors qu'ils font précisément la même chose, et de manière très violente, avec le Venezuela, ou encore avec leurs projets pour le Groenland ! » Les cas nigérian et sud-africain viennent en tout cas confirmer que la manipulation décomplexée de la réalité est l'un des piliers de la gouvernance trumpienne. « Ce que Donald Trump a fait, c'est qu'il a reconfiguré ce que nous considérions comme ‘la vérité', analyse Trust Matsilele, maître de conférences à l'Université de Birmingham. La vérité ou les faits sont maintenant des concepts fragiles. À partir du moment où ils ne servent plus ses intérêts, ils peuvent être contestés ou rejetés. C'est ce qu'on pourrait appeler une ‘politisation de la vérité'. Certaines des choses qui avaient été vues comme des vérités établies sont remises en cause : le changement climatique, les concepts de démocratie et d'État de droit. Tout cela a été bousculé par la vision du monde de Donald Trump ». Le chercheur s'arrête sur les risques que fait courir un tel comportement : « La vérité doit être la vérité, quelle que soit votre position. À partir du moment où vous commencez à politiser tout cela, on bascule de la vérité objective à la propagande, la mésinformation, la désinformation et les fake news… » Des opinions publiques africaines partagées À Kinshasa, dans le quartier commerçant de la Gombe, la circulation est encore timide et les embouteillages n'ont pas encore fait leur apparition, ce matin-là. Les Kinois sont déjà sur le chemin du travail. Certains, comme Jacquemain, disent la crainte que leur inspire désormais Trump, en dépit de son engagement en faveur du processus de paix en République démocratique du Congo. « Auparavant, quand il était arrivé au pouvoir, on pensait qu'il allait faire de bonnes choses, surtout pour notre pays la RDC. On pensait que c'était dans notre intérêt, la population congolaise. Mais maintenant, quand on constate la politique qu'il est en train d'amener dans le monde, on se demande : est-ce que ce n'est pas par intérêt pour nos minerais ? On a ensuite vu ce qu'il s'est passé au Venezuela, et puis ça n'est pas encore fini, on attend encore maintenant bientôt le Groenland et tout ça. On se demande : qu'est-ce qu'il se passe dans la tête de ce président-là ? » Patrick, lui aussi, déplore les coups portés à l'ordre international. « Quand il est venu, regrette-t-il, il a montré l'image de quelqu'un qui voulait la paix. Maintenant, on est en train de remarquer qu'il crée des problèmes. Apparemment, il ne respecte pas les lois internationales. Il y a eu la Deuxième Guerre mondiale. Après, les gens se sont réunis pour établir des lois qu'ils devraient respecter. Apparemment, ces lois, lui, ne lui disent rien. Il fait ce qu'il veut. Alors, ça fait craindre. » Cela provoque des débats également à Abidjan, en Côte d'Ivoire, comme entre ces étudiants en anglais rassemblés dans une salle d'université. Beaucoup admirent le président américain. « Il faut dire que c'est un gars bien, estime Daniel, il exerce un pouvoir très exécutif. Ses partisans valorisent son leadership et aussi sa manière de prendre des décisions… Quand il veut faire, il fait ». « Le monsieur il est simple, avance de son côté Emmanuella. Il te dit “fais ça”, tu ne fais pas ça, il te voit directement comme un ennemi… Pour diriger, il faut avoir de la poigne, on ne peut pas diriger avec les sentiments ». L'interventionnisme américain au Venezuela ou au Nigeria n'émeut pas Ange, qui n'a pas 20 ans. Il voit Trump comme un modèle à suivre et approuve sa posture envers les États africains : « C'est un monsieur qui agit par intérêt et ses relations avec l'Afrique sont plutôt par intérêt. ‘Je vous apporte quelque chose si vous m'apportez quelque chose. Si vous ne m'apportez rien, je ne vous apporte rien !' Je pense que Donald Trump a eu cette intelligence-là et il fait bien. Un pays n'a pas d'amis, il n'a que des intérêts. Et je pense que Donald Trump applique cela et ça me fait plaisir de voir cela ». Ange rêve d'étudier aux États-Unis. Son espoir paraît compromis depuis le 1er janvier et la suspension de la délivrance de visas accordés aux ressortissants ivoiriens, une mesure jugée discriminatoire par beaucoup. « Une nouvelle approche mercantiliste » La diplomatie trumpienne navigue-t-elle à vue, comme l'assurent certains observateurs, ou a-t-elle une cohérence et une logique profonde ? Pour le professeur Adekeye Adebajo de l'Université de Pretoria, la politique internationale de Donald Trump s'inscrit dans le temps long de l'interventionnisme américain. « Je pense, explique cet universitaire, que ce que fait Trump s'inscrit dans la continuité de ce que les États‑Unis ont fait par le passé, car je ne crois pas qu'il soit forcément exact de le présenter comme une aberration totale. Il y a trente‑cinq ans, George Bush Père a envoyé des troupes américaines au Panama et ils y ont arrêté le dictateur Manuel Noriega, l'ont littéralement enlevé et emmené aux États‑Unis pour y être jugé et emprisonné… Donc, si nous connaissons notre histoire, nous savons que de nombreuses administrations américaines ont fait exactement ce que Trump a fait, ou des choses similaires ».  Le chercheur voit également dans le regard trumpien sur le monde une doctrine qui associe une nouvelle fois la puissance, le commerce et l'accès aux ressources minières. « Je pense que, fondamentalement, il y a un principe : il s'agit d'une nouvelle approche mercantiliste qui consiste essentiellement à freiner la mainmise de la Chine sur les minerais rares et à s'assurer que les États‑Unis aient effectivement accès à ces ressources. On a vu que ses efforts de “paix” dans la région des Grands Lacs, en RDC, au Rwanda, en Ukraine et ailleurs, ont aussi comporté des accords miniers. L'intervention et l'enlèvement du président vénézuélien portent évidemment aussi sur le pétrole, et je pense donc qu'une grande partie de tout cela tourne autour de la Chine, de l'équilibrage de la puissance chinoise et des garanties qu'elle ne puisse pas rivaliser avec les États‑Unis ». Adekeye Adebajo insiste sur un troisième aspect : la diplomatie trumpienne est marquée par sa volonté de défaire le multilatéralisme. C'est ainsi que les États-Unis sont récemment sortis de 66 organisations internationales. Et c'est ainsi qu'ils ont fermé l'Usaid, l'Agence américaine pour le développement international. Usaid : les lourdes conséquences d'une fermeture Le Soudan du Sud est l'un des pays qui en sort le plus affecté. L'assistance américaine a été divisée par plus de quatorze entre 2024 et 2025. Il n'aura fallu que quelques semaines après l'annonce de la fin d'Usaid pour en mesurer les conséquences dans la localité de Gurei, à l'ouest de la capitale du Soudan du Sud, Juba. Le centre de nutrition de Gurei prend en charge des enfants en malnutrition sévère. D'habitude très fréquenté, il est quasiment vide en ce mois de mars 2025. Les aliments thérapeutiques utilisés pour traiter la malnutrition infantile, les fameux sachets de pâte d'arachide enrichie fournis par l'Usaid, ne sont déjà plus disponibles depuis environ un mois. Quand Helen Furu vient faire examiner son fils Joseph, 1 an, elle doit faire ce constat douloureux : depuis la dernière visite, sa situation ne s'améliore pas, faute d'aliments thérapeutiques. « Mon mari est fonctionnaire et ça arrive souvent qu'il ne soit pas payé, confie Helen Furu. Quant à moi, quand j'étais enceinte de Joseph, je travaillais sur le marché et je me suis épuisée. Quand il est né, il était très faible et chétif. Quand il a été pris en charge ici, avec les traitements, son état s'est un peu amélioré. Chaque lundi, je viens ici pour le suivi mais ça fait un moment que les traitements à base de pâte d'arachide ne sont plus distribués, je ne sais pas trop quel est le problème. Cela m'inquiète car, quand il prend ce complément, il va mieux. J'ai envie de dire aux Américains de ne pas arrêter de soutenir les enfants du Soudan du Sud. Dans notre pays, très peu de gens vivent bien. La grande majorité souffre car il n'y a pas de travail ». Le directeur du centre de Gurei, Sarafino Doggal, porte une blouse blanche brodée du logo de l'Usaid, vestige de temps révolus. Debout dans son bureau face à un mur de tableaux statistiques, il appelle au soutien pour faire face aux besoins énormes de la population : « Hier, par exemple, nous avons reçu 325 patients venus de différents quartiers. Nous les recevons, mais le problème c'est que nous n'avons pas de médicaments. Il y a de nombreux enfants en situation de malnutrition. Vous voyez tous ces patients ? Ils viennent à la clinique le matin sans avoir pris de petit-déjeuner, pas même un thé. Ils vont passer toute leur journée ici, et puis rentrer chez eux où il n'y aura rien à manger. Les chefs communautaires m'ont dit que la situation empire, surtout en ce qui concerne la malnutrition infantile, à cause de l'arrêt des aliments thérapeutiques. Les enfants et leurs mères souffrent énormément. » Plusieurs mois ont passé et les conséquences de la fin de l'Usaid continuent à se faire sentir sur le continent, ailleurs. Comme à Addis-Abeba, la capitale éthiopienne. Aster pousse le lourd portail gris et entre dans la petite cour ombragée qui jouxte une école. Du linge encore mouillé pend sur deux longues cordes attachées à une maison blanche. Cet après-midi, une dizaine de jeunes travailleuses du sexe ont trouvé refuge, comme elle, dans ce centre d'accueil et de prévention du Sida de l'ONG éthiopienne Ishdo : « Je viens ici pour prendre une douche, me soigner, et on ne me demande pas de payer en échange. Je suis ici tous les jours depuis cinq mois, et cet endroit est très important pour moi. Je me sens heureuse et en sécurité ici. » Depuis son ouverture en décembre 2024, ce centre d'accueil est ouvert 7 jours sur 7. Hiwot Mekonnen est l'infirmière en cheffe de la structure : « Nos patientes passent le test de dépistage du VIH. Nous leur proposons également des services de planification familiale, un dépistage des problèmes de santé mentale, des violences sexistes et un test du cancer du col de l'utérus. » Plusieurs fois par semaine, l'équipe médicale organise aussi des séances de prévention, dans une petite salle aux murs tapissés d'informations sur la contraception féminine. Des préservatifs sont également à leur disposition. L'arrêt des financements de l'Usaid, bailleur principal d'Onusida qui finance la structure, a frappé de plein fouet les activités du centre. « Ces deux derniers mois, nous n'avons pu organiser ni les séances de prévention, ni les tests, explique Hiwot Mekonnen. Et si les femmes continuent leur activité sans préservatifs, cela augmentera la transmission du VIH. La situation est instable, et j'ai beaucoup de doutes ». Ces dernières années pourtant, les efforts d'Onusida avaient porté leurs fruits : 94% des personnes diagnostiquées séropositives recevaient ici un traitement antirétroviral, dit ARV. Désormais, l'agence de l'ONU doit compter sur le mémorandum signé en décembre dernier entre les gouvernements éthiopien et américain, d'un montant d'1 milliard et demi de dollars. Objectif affiché : « Renforcer les systèmes de santé publique et la prévention des maladies… »

90,000 wholesalers entered the market and only 12,000 will survive.In this live training, Brent Daniels sits down with RJ Bates III to break down what's really happening in the wholesaling industry and what it will take to win in 2026 and beyond. They dive into why most wholesalers fail, the danger of chasing vanity metrics, and how staying disciplined, profitable, and “boring” can be the key to long-term wealth.From seller motivation and closing philosophy to marketing mistakes, scaling traps, and why manufacturing deals can destroy your business, this episode delivers hard truths every wholesaler needs to hear.If you want to stay in the game while others wash out follow the TTP Training Program for more.---------Show notes:(1:55) Beginning of today's episode(3:47) Why most wholesalers fail after early success(6:08) Wealth-building vs. chasing vanity metrics(7:41) The danger of scaling before your business is self-sustaining(8:41) Why “boring” marketing wins in 2026(13:10) Doubling down on what already works(14:25) Coachability as the key separator in wholesaling(18:55) Aggressive rehab, conservative ARV, and buffer strategies(20:22) Asking the right questions to uncover seller motivation(21:33) Why not every lead should get a creative finance offer(22:57) The danger of manufacturing deals(25:03) Confidence, honesty, and closing the right deals(27:55) Legal risks of wholesaling sub-to deals(29:20) Transparency, disclosure, and protecting your business(1:03:45) 70% of your income comes from the last 6 months(1:41:57) Getting leads just by swiping your credit card----------Resources:Connect with RJ on InstagramDealMachinePropStreamBatch LeadsTo speak with Brent or one of our other expert coaches call (281) 835-4201 or schedule your free discovery call here to learn about our mentorship programs and become part of the TribeGo to Wholesalingincgroup.com to become part of one of the fastest growing Facebook communities in the Wholesaling space. Get all of your burning Wholesaling questions answered, gain access to JV partnerships, and connect with other "success minded" Rhinos in the community.It's 100% free to join. The opportunities in this community are endless, what are you waiting for?

Real Estate Investing in 2026: Discover what's hot, what's not, and how creative investors can capitalize on shifting conditions. Phil, Brian Busch, and Devin Sheehan break down everything investors need to know about the year ahead. You'll learn:Why 2026 will be a year of less competition and more motivated sellersHow stagnant markets actually create predictable profitsWhy creative financing outperforms traditional investing in every cycleThe dangers of overestimating ARV and relying on active listingsHow new wholesaling laws could impact your strategyWhy labor shortages will make rehabs riskier than everThe #1 mistake aspiring investors make heading into 2026Why NOW is the time to get started — not six months from now

Bli med på en rørende åpning av Café Johnsen, til ære for Svein Johnsen, en legende innen Visjon Norge-systemet. Svein var kjent for sitt sterke engasjement i evangelisk musikk og TV-programmer. Denne videoen feirer hans liv og arv gjennom varme taler, musikkopptredener og minner fra familie og venner. Sveins dedikasjon til tro og kjærlighet lever videre, og denne kvelden gjenspeiler hans dyptgående innflytelse.

The 3 Biggest Mistakes Hard Money Lenders Keep Making (And Don't Realize!) - #313 In this episode of the Private Lenders Podcast, hosts Jason and Chris from Hard Money Bankers break down the three most common (and costly) mistakes they see private and hard money lenders make—mistakes that can put your capital, deals, and entire lending business at risk. Drawing from years of experience and real-world insights from running a nationwide private lenders mastermind, Jason and Chris explain how you can shortcut years of trial and error by avoiding these critical pitfalls. In this episode, you'll learn: ✅ Why not truly knowing your numbers is the #1 risk for hard money lenders ✅ The difference between ARV, as-is value, and liquidation value ✅ Why local market knowledge is essential for underwriting safe loans ✅ How capital structures can quietly take control of your business ✅ The hidden risks of debt funds, credit lines, and institutional capital ✅ Why doing everything yourself leads to burnout—and how building the right team and systems creates a scalable, lifestyle-friendly lending business Whether you're a new private lender or managing a growing loan portfolio, this episode dives deep into asset-based lending, underwriting best practices, capital control, and operational scaling—all with real examples from the field. ✅ Please like, subscribe, and share! ✅ Are you a new or experienced private lender or hard money lender? Join Jason Balin and Chris Haddon from Hard Money Bankers as they draw from their extensive experience running a successful hard money lending company since 2007. Tune in weekly with episodes related to all aspects of private lending. From discovering lucrative loan opportunities to securing private capital, effectively managing your loan portfolio, handling defaults, and much more, we've got you covered. ✔️ Tune in now and watch the full video podcast at www.privatelenderspodcast.com ✔️If you enjoyed this podcast we would appreciate a positive review... https://podcasts.apple.com/us/podcast/private-lenders-podcast/id1476153070 ✔️Make sure to check out the #1 Online Community For New and Experienced Private and Hard Money Lenders.. Create your account at www.hardmoneymastermind.com FOLLOW US ON SOCIAL Get updates or reach out to Get updates on our Social Media Profiles! ✅ Instagram: https://www.instagram.com/hardmoneymastermind/ ✅ Tiktok: https://www.tiktok.com/@hardmoneymastermind

In Part 3 of our 10-part House Flipping 101 series, we're focusing on estimating repairs and making a smart, profitable offer. Before you submit any offers, it's essential to understand your exit strategy and how it affects your budget. We'll break down how to calculate your after-repair value (ARV), set your maximum offer price, and plan for unexpected repair costs that always come up. You'll also learn why an inspector, not a decorator, should guide your repair decisions, how to weigh selling versus renting, and why letting the mat, not emotions, drive your choices is key to a successful flip. Walk away with practical tools to make confident offers that protect your profits and keep your project on track. __________________________________________________________________ New videos drop multiple times every week!Make sure to hit SUBSCRIBE and tap the notification bell, so you never miss a video.If you're finding the content helpful or inspiring, it would mean the world if you shared it. Your support helps me reach more people and keeps this community growing! __________________________________________________________________ Big News! The Furniture Flipping Academy Is Now Only $79!Whether you're brand new to flipping, already established and ready to scale, or looking for additional income streams that don't require painting a single piece, the Academy was built for you. Inside, you'll get a complete library of industry-proven systems, pricing strategies, sourcing methods, and multiple ways to earn—so you can grow your income with confidence. A small investment today can open the door to big possibilities this year. Claim Your $79 Academy Access → https://learn.mycreativedays.com/academy __________________________________________________________________ New to My Creative Days? Welcome!I share creative inspiration, DIY tutorials, thrifting tips, furniture makeovers, and real-life projects across all my platforms. I'd love for you to come say hello and connect wherever you love to hang out: Explore the Blog:https://www.mycreativedays.com/Your go-to hub for DIY projects, thrifted makeovers, furniture makeovers, recipes, and creative inspiration. Listen to the Podcast:https://learn.mycreativedays.com/podcasts/my-creative-daysHonest conversations, creative motivation, and tons of tips. Follow on Pinterest:https://www.pinterest.com/mycre8tivedays/Fresh pins daily. DIY ideas, room inspiration, seasonal décor, and more. Join me on Instagram:https://www.instagram.com/mycreativedays/Daily stories, behind-the-scenes projects, thrift hauls, and real-time updates you won't see anywhere else. Hang out on Facebook:https://www.facebook.com/mycreativedaysEvery day, I post multiple times about my latest content, things I'm loving, favorite finds, deals, and more. __________________________________________________________________ Want to flip furniture successfully?Join my Furniture Flipping Academy:https://learn.mycreativedays.com/academyLearn everything from sourcing and pricing to scaling and earning in multiple ways (even beyond painting furniture). Get all my favorite links in one place:https://learn.mycreativedays.com/links __________________________________________________________________ Disclosure: Some links are affiliate links. I may earn a small commission at no extra cost to you. Thank you so much for supporting my content! Always read labels, follow manufacturer safety recommendations, and use proper safety equipment when working on DIY projects. You attempt any project at your own risk.

Pooja aliolewa akiwa na umri wa miaka 15, baadaye akiwa mdogo bado akagundua kuwa ana Virusi Vya Ukimwi, VVU, na leo ni Mratibu wa Kitaifa wa Vijana chini ya Muungano wa Kitaifa wa Watu wanaoishi na VVU nchini India (NCPI+), akifanya kazi moja kwa moja na zaidi ya vijana 1,800 kote India. Katika mahojiano yaliyofanywa na Anshu Sharma wa Idhaa ya Kihindi ya Umoja wa Mataifa, Pooja anasimulia safari yake, nafasi ya jamii na familia, na ujumbe wake kwa watu wanaoishi na VVU. Anaposema ART anazungumzia dawa za kufubaza virusi, sawa na ARV lakini katika mkusanyiko wa dawa nyingi kwa pamoja.

Hii leo jaridani tunaangazia ujumbe wa Umoja wa Mataifa katika Siku ya UKIMWI Duniani, simulizi wa mwathirika wa ugonjwa huu amabye aliolewa na umri wa miaka 15, na juhudi za UNICEF Wajir nchini Kenya za kuhakikisha ujumuishwaji wa watoto wenye ulemavu darasani.Leo ni Siku ya UKIMWI Duniani na mwaka huu inaadhimishwa kwa onyo kali kuhusu janga hilo pamoja na wito wa kuchukua hatua. Ikibeba kaulimbiu “Kukabili misukosuko, kubadili mwelekeo wa hatua za UKIMWI,” Umoja wa Mataifa unasema dunia ipo katika kipindi cha uamuzi muhimu katika vita dhidi ya VVU.Pooja aliolewa akiwa na umri wa miaka 15, baadaye akiwa mdogo bado akagundua kuwa ana Virusi Vya Ukimwi, VVU, na leo ni Mratibu wa Kitaifa wa Vijana chini ya Muungano wa Kitaifa wa Watu wanaoishi na VVU nchini India (NCPI+), akifanya kazi moja kwa moja na zaidi ya vijana 1,800 kote India. Katika mahojiano yaliyofanywa na Anshu Sharma wa Idhaa ya Kihindi ya Umoja wa Mataifa, Pooja anasimulia safari yake, nafasi ya jamii na familia, na ujumbe wake kwa watu wanaoishi na VVU. Anaposema ART anazungumzia dawa za kufubaza virusi, sawa na ARV lakini katika mkusanyiko wa dawa nyingi kwa pamoja.Katika Kaunti ya Wajir Kaskazini Mashariki mwa Kenya, Shirika la Umoja wa Mataifa la kuhudumia Watoto UNICEF kwa kushirikiana na Taasisi ya Elimu Maalum ya Kenya KISE wameanzisha mpango maalum wa kuwasaidia watoto wenye ulemavu kupata tathmini za kitabibu na kielimu. Mpango huu umeleta matumaini mapya kwa familia nyingi ambazo hapo awali zilikuwa na ugumu wa kupata huduma hizo.Mwenyeji wako ni Sabrina Moshi, karibu!

À l'occasion de la journée mondiale de lutte contre le sida, nous faisons le point sur la lutte contre cette infection, qui attaque et fragilise le système immunitaire de l'organisme. Si l'on dispose aujourd'hui d'outils efficaces pour prévenir et traiter le VIH, des pénuries menacent-elles les populations les plus vulnérables ? Après plus de 40 ans de lutte et de travail auprès des populations clés, les associations sont-elles à bout de souffle ?    Depuis 1988, la date du 1er décembre est placée sous le signe de la « Journée mondiale de lutte contre le sida ». Presque 40 ans de lutte pour sensibiliser et alerter sur cette pandémie qui a tué plus de 44 millions de personnes, à l'échelle planétaire. Aujourd'hui, d'après l'ONUSIDA, plus de 40 millions de personnes vivent avec le virus et la majorité d'entre elles (31,5 millions) ont accès à un traitement antirétroviral, les ARV. Cette prise en charge a permis de faire reculer sensiblement la mortalité de cette infection complexe, qui affaiblit le système immunitaire.   Des avancées, mais un avenir incertain  Cette lutte a permis d'enregistrer des progrès significatifs (y compris en termes de nouveaux traitements : en particulier, les recommandations de juillet 2025, sur l'utilisation du nouveau traitement injectable Lenacapavir, en prophylaxie pré-exposition, à raison de deux injections annuelles). Mais le VIH demeure un problème majeur de santé publique et en 2025, une menace inédite pèse sur la riposte. Désengagement international généralisé  Ce danger majeur qui se dessine aujourd'hui pour toutes celles et ceux qui luttent contre le sida a une explication : la baisse brutale et sensible des financements internationaux… Ces coupes s'ajoutent à l'arrêt de l'aide américaine depuis janvier 2025, avec la fin de l'USAID (l'agence américaine pour le développement international) et la réduction drastique du PEPFAR (plan d'aide américain à la lutte contre le sida à l'étranger initié depuis 2003). À ce retrait américain, s'ajoute la baisse significative des aides des pays développés, dont la France, qui à ce jour n'a toujours pas annoncé le montant de sa contribution à la reconstitution du Fonds Mondial, alors que Paris en était le deuxième contributeur à l'échelle internationale. À lire aussiFinancement de la lutte contre le VIH: «La France est vraiment en-deçà des attentes», s'inquiète une association Les associations plus mobilisées que jamais  Suite à cette désaffection, le Sidaction, association qui soutient la recherche contre le sida, fait part de sa sidération. L'association Aides rappelle qu'avec une charge virale indétectable, le virus ne se transmet pas. Le CNS (Conseil national du sida et des hépatites virales) s'inquiète de l'augmentation de 41 % des découvertes de séropositivité chez les jeunes de 15 à 24 ans, en France, entre 2014 et 2023. Signe que partout dans le monde, la prévention, l'accompagnement et la prise en charge du VIH-sida continue de représenter une urgence de santé publique, qui nécessite une mobilisation mondiale le 1ᵉʳ décembre, comme tous les jours.  Avec : Hélène ROGER, directrice du pôle analyse et plaidoyer de Sidaction Rodrigue KOFFI, coordinateur du réseau Grandir Ensemble, en Côte d'Ivoire  Gratien CHIBUNGIRI, directeur de SOS SIDA, qui œuvre dans la province du Sud Kivu, Est RDC.  Kevin AMBAH EVINA, Directeur exécutif de l'organisation Affirmative Action, association Camerounaise de lutte contre le VIH/SIDA    Programmation musicale : ► Elton John – I'm still standing  ► Phyno – Ask me of now

À l'occasion de la journée mondiale de lutte contre le sida, nous faisons le point sur la lutte contre cette infection, qui attaque et fragilise le système immunitaire de l'organisme. Si l'on dispose aujourd'hui d'outils efficaces pour prévenir et traiter le VIH, des pénuries menacent-elles les populations les plus vulnérables ? Après plus de 40 ans de lutte et de travail auprès des populations clés, les associations sont-elles à bout de souffle ?    Depuis 1988, la date du 1er décembre est placée sous le signe de la « Journée mondiale de lutte contre le sida ». Presque 40 ans de lutte pour sensibiliser et alerter sur cette pandémie qui a tué plus de 44 millions de personnes, à l'échelle planétaire. Aujourd'hui, d'après l'ONUSIDA, plus de 40 millions de personnes vivent avec le virus et la majorité d'entre elles (31,5 millions) ont accès à un traitement antirétroviral, les ARV. Cette prise en charge a permis de faire reculer sensiblement la mortalité de cette infection complexe, qui affaiblit le système immunitaire.   Des avancées, mais un avenir incertain  Cette lutte a permis d'enregistrer des progrès significatifs (y compris en termes de nouveaux traitements : en particulier, les recommandations de juillet 2025, sur l'utilisation du nouveau traitement injectable Lenacapavir, en prophylaxie pré-exposition, à raison de deux injections annuelles). Mais le VIH demeure un problème majeur de santé publique et en 2025, une menace inédite pèse sur la riposte. Désengagement international généralisé  Ce danger majeur qui se dessine aujourd'hui pour toutes celles et ceux qui luttent contre le sida a une explication : la baisse brutale et sensible des financements internationaux… Ces coupes s'ajoutent à l'arrêt de l'aide américaine depuis janvier 2025, avec la fin de l'USAID (l'agence américaine pour le développement international) et la réduction drastique du PEPFAR (plan d'aide américain à la lutte contre le sida à l'étranger initié depuis 2003). À ce retrait américain, s'ajoute la baisse significative des aides des pays développés, dont la France, qui à ce jour n'a toujours pas annoncé le montant de sa contribution à la reconstitution du Fonds Mondial, alors que Paris en était le deuxième contributeur à l'échelle internationale. À lire aussiFinancement de la lutte contre le VIH: «La France est vraiment en-deçà des attentes», s'inquiète une association Les associations plus mobilisées que jamais  Suite à cette désaffection, le Sidaction, association qui soutient la recherche contre le sida, fait part de sa sidération. L'association Aides rappelle qu'avec une charge virale indétectable, le virus ne se transmet pas. Le CNS (Conseil national du sida et des hépatites virales) s'inquiète de l'augmentation de 41 % des découvertes de séropositivité chez les jeunes de 15 à 24 ans, en France, entre 2014 et 2023. Signe que partout dans le monde, la prévention, l'accompagnement et la prise en charge du VIH-sida continue de représenter une urgence de santé publique, qui nécessite une mobilisation mondiale le 1ᵉʳ décembre, comme tous les jours.  Avec : Hélène ROGER, directrice du pôle analyse et plaidoyer de Sidaction Rodrigue KOFFI, coordinateur du réseau Grandir Ensemble, en Côte d'Ivoire  Gratien CHIBUNGIRI, directeur de SOS SIDA, qui œuvre dans la province du Sud Kivu, Est RDC.  Kevin AMBAH EVINA, Directeur exécutif de l'organisation Affirmative Action, association Camerounaise de lutte contre le VIH/SIDA    Programmation musicale : ► Elton John – I'm still standing  ► Phyno – Ask me of now

This episode is a replay from our live Omaha REIA event in early November, where Ted brings back Casey Gregersen—Wyo Houses and Bighorn Capital—for a deep dive into the Revive Method, the strategy his team is on track to use for 100 flips and roughly $5M in revenue with dramatically reduced risk.Casey breaks down how investors, wholesalers, and private lenders can all plug into this model by using the “Big 3” filters (equity, time, and value-add), structuring deals so the seller shares in the risk, and baking his profit directly into the rehab budget instead of gambling on an uncertain ARV. He walks through real case studies, the underwriting spreadsheet he uses, and why this approach protects you when interest rates, comps, or contractors don't cooperate.You'll also hear Casey's story—going from W-2 at Shell to 400+ units, 70–100 flips a year, and still coaching his kids' teams—and how systems, processes, and a clear “why” (choosing family over work) shaped the way he now builds businesses and helps other investors do the same.If you're a fix-and-flipper tired of skinny margins, a wholesaler sitting on “almost” deals, or a lender looking for better-protected opportunities, this episode gives you a playbook you can start using on your very next lead.You can Join the Omaha REIA - https://omahareia.com/join-todayOmaha REIA on Facebook - https://www.facebook.com/groups/OmahaREIACheck out the National REIA - https://nationalreia.org/ Find Ted Kaasch at www.tedkaasch.com Owen Dashner on Facebook https://www.facebook.com/owen.dashner Instagram - https://www.instagram.com/odawg2424/ Red Ladder Property Solutions - www.sellmyhouseinomahafast.com Liquid Lending Solutions - www.liquidlendingsolutions.com Owen's Blogs - www.otowninvestor.com www.reiquicktips.com Propstream - https://trial.propstreampro.com/reianebraska/Timber Creek Virtual - https://timbercreekvirtual.com/services/MagicDoor - https://magicdoor.com/reia/...

Building A $10 Million Hard Money Loan Portfolio Want to know exactly how to build a $10 million hard money lending portfolio—even if you're starting from scratch? In this episode, Jason Bailin from Hard Money Bankers breaks down the full blueprint his team has used to scale multiple lending offices to $10M+ in active loans across different markets. With 19 years in the industry and a portfolio of $50M+ annually, Jason walks through every step of the process, including lead generation, underwriting, capital structures, team building, and the financials behind running a profitable private lending company. In This Episode, You'll Learn: ✔️ How long it really takes to build a $10M loan portfolio ✔️ The exact lead generation system HMB uses (online + offline) ✔️ Risk management + underwriting essentials (LTV, ARV, borrower cash to close) ✔️ Capital structure options — funds, direct placement, unsecured debt & more ✔️ The hires you actually need to scale (and when to make them) ✔️ Tech stack recommendations for private lenders ✔️ Real financial breakdown: revenue, expenses & net profit on a $10M portfolio ✔️ What your portfolio looks like if you're lending your own capital vs. raising capital Whether you're new to private lending or already operating and looking to scale, this episode gives you a complete roadmap to build a sustainable and profitable hard money lending business. ✅ Please like, subscribe, and share! ✅ Are you a new or experienced private lender or hard money lender? Join Jason Balin and Chris Haddon from Hard Money Bankers as they draw from their extensive experience running a successful hard money lending company since 2007. Tune in weekly with episodes related to all aspects of private lending. From discovering lucrative loan opportunities to securing private capital, effectively managing your loan portfolio, handling defaults, and much more, we've got you covered. ✔️ Tune in now and watch the full video podcast at www.privatelenderspodcast.com ✔️If you enjoyed this podcast we would appreciate a positive review... https://podcasts.apple.com/us/podcast/private-lenders-podcast/id1476153070 ✔️Make sure to check out the #1 Online Community For New and Experienced Private and Hard Money Lenders.. Create your account at www.hardmoneymastermind.com FOLLOW US ON SOCIAL Get updates or reach out to Get updates on our Social Media Profiles! ✅ Instagram: https://www.instagram.com/hardmoneymastermind/ ✅ Tiktok: https://www.tiktok.com/@hardmoneymastermind  

After Repair Value Mistakes Suck The Profits Out Of Every Good Deal- How To Not Let This Happen To You Unlock the REAL After Repair Value (ARV) and Stop Losing Profit on Your Flips! In this episode of The Real Estate Reserve Podcast, Jason Balin from Hard Money Bankers breaks down the #1 mistake real estate investors make when determining ARV—and how to avoid letting it destroy your margins. With 19+ years of lending experience, 4,000+ funded projects, and 20+ loans each month, Jason shares the exact framework he uses to analyze after repair value the right way. Whether you're flipping your first deal or your 100th, mastering ARV is the difference between a profitable project and a painful loss. In This Episode You'll Learn:

Fear of virologic failure is a major barrier to ensuring that people living with virally suppressed HIV are receiving the most optimal antiretroviral therapy (ART) regimen for them. Stream this Medical Minute to learn more about key guideline recommendations regarding ART switch and reassuring clinical data regarding efficacy, tolerability, and quality of life associated with switching a suppressive ART regimen. Topics covered include:Efficacy of switching to 2-drug oral ART: real-world evidenceReal-world analyses of virologic failure with switch to long-acting cabotegravir plus rilpivirinePatient selection to reduce risk of virologic failure with switch Regimen-specific switch considerationsPresenters:Dima Dandachi, MD, MPH, FIDSA, FACPAssociate Professor of MedicineDivision of Infectious DiseasesUniversity of MissouriMedical DirectorHIV Treatment and Prevention Program, MUHCMedical DirectorBoone County Public Health and Human ServicesColumbia, MissouriChloe Orkin, MBChB, FRCP, MDProfessor of Infection and InequitiesDean for Healthcare TransformationQueen Mary University of LondonFaculty of Medicine and DentistryHonorary Consultant PhysicianBarts Health NHS TrustLondon, United KingdomLink to full program and accompanying slides:https://bit.ly/3KPN0xbGet access to all of our new podcasts by subscribing to the CCO Infectious Disease Podcast on Apple Podcasts, Google Podcasts, or Spotify. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

The Direct Message looked like spam. It turned out to be A&E offering Dedrick and Krystal Polite a shot at a home-renovation series that actually reflects real neighborhoods, real budgets, and real-life chaos. We sit down with the duo behind A&E's 50/50 Flip to unpack how they went from software sales and corporate headsets to rentals, rehabs, and a documentary-style TV show that doesn't fake the mess—or the math.We get into the origin story: starting with little capital, leveraging wholesaling to buy-and-hold, and documenting every step until the network came calling. Dedrick and Krystal explain why they skip the DIY fantasy, how they choose investor-friendly agents, and the simple system that keeps ARV realistic and finishes on-budget. Krystal breaks down her puzzle-first approach to layout and design, while Dedrick shares how they scaled from a three-person scramble in season one to a disciplined, leveraged team in season two. You'll hear the roof leaks, scheduling shocks, and hard-won lessons that turn a flip into a business.Beyond the flips, we dive into the “18 summers” philosophy—protecting family time by setting a hard 5 pm cutoff—and redefining generational wealth as kids choosing to come home when they don't have to. The Polites also open up about what's next: commercial conversions, a mobile home park, and stepping into franchising with Sky Zone. If you've been hunting for real estate advice grounded in attainable price points, practical systems, and clear values, this conversation delivers both the blueprint and the courage to follow it.If this story sparks something in you, follow the show, share it with a friend who needs the nudge, and leave a quick review to help more builders and dreamers find us.  Watch this show on YOUTUBE!! Hi This is Brad Weisman - Click Here to Send Me a Text Message ---Welcome to The Brad Weisman Show, where we dive into the world of real estate, real life, and everything in between with your host, Brad Weisman!

Good morning, afternoon, and evening, investors! Scott Carson here, ready to drop some serious knowledge bombs on your day-to-day investing strategies. Today, we're talking with a true titan of Texas real estate finance, Michael Hoffman, founder and CEO of Longhorn Investments! Since 2008, Mike and his team have funded over 10,000 loans and $2 billion, helping investors nationwide (with about 50% of that still right here in Texas!) turn fixer-uppers into cash-flowing dreams. If you're buying, fixing, and flipping, you're gonna want to grab a burnt orange pen, because Mike's insights are pure gold – and he's not afraid to tell you why HGTV is fictional!In this episode, you'll learn:Hard Money 101 & First-Time Investor Hacks: Mike demystifies hard money lending: it's asset-based, faster than banks (5-7 days!), and funds up to 100% of loan-to-cost (up to 70% ARV). Plus, hear how Longhorn empowers first-time fix-and-flippers by focusing on the deal's viability (hello, appraisals!), not just your experience level.The Truth About Deals & Rehabs (and why HGTV is Fiction!): Learn why Longhorn meticulously vets every deal – they want you to succeed, not foreclose! Mike stresses the vital importance of hiring a reputable contractor (not the cheapest, and definitely not you for wall-moving projects!) and the necessity of actively overseeing your rehabs to avoid "mucking up the machine."Lender Goals & Market Realities: Mike pulls back the curtain on what motivates a good hard money lender: they're in the note business, not the "loan-to-own" business! Discover why quick draw disbursements (48-72 hours!) are crucial for project success, and how to spot lenders who might be running on fumes. Plus, understand how current market conditions are affecting loan terms and borrower strategies.Property Preferences & Geographic Boundaries: Longhorn's sweet spot? Workforce housing (ARVs under $400k) and brick, 3-bed/2-bath homes built pre-1970s. Mike explains why they avoid mobile homes (unless they're real estate!), condos (those HOA assessments are no joke!), and "Podunkville" locations (you gotta sell it to someone!).Passive Investing Powerhouse: The Trident Fund: Get an exclusive peek behind the curtain at Trident Realty Investments, the $222 million evergreen fund that bankrolls Longhorn's loans. Discover how accredited investors can target a 10% return (with a 1-year lockup) by investing alongside Mike, who's always the first investor in. It's a transparent, stable way to put your lazy capital to work!This episode with Michael Hoffman is a masterclass in navigating the hard money landscape, offering candid advice and battle-tested strategies for investors at every level. Mike isn't just a lender; he's a partner in your success, even if that means telling you to walk away from a bad deal!Ready to get your next fix and flip funded without all the drama? Or maybe you're looking for a smarter way to invest passively? Head over to LonghornInvestments.com to connect with Mike's team, get pre-qualified, and turn those investment dreams into reality! Go out, take some action, and we'll see you at the top!Watch the Original Video of this Episode HERE!Book a Call With Scott HERE!Sign up for the next FREE One-Day Note Class HERE!Sign up for the WCN Membership HERE!Sign up for the next Note Buying For Dummies Workshop HERE!Love the show? Subscribe, rate, review, and share!Here's How »Join the Note Closers Show community today:WeCloseNotes.comThe Note Closers Show FacebookThe Note Closers Show TwitterScott Carson LinkedInThe Note Closers Show YouTubeThe Note Closers Show VimeoThe Note Closers Show InstagramWe Close Notes PinterestBook a call with Scott today at HTTP://TalkWithScottCarson.com to see if 1:1 Note Coaching is right for you!

Good morning, afternoon, and evening, investors! Scott Carson here, ready to drop some serious knowledge bombs on your day-to-day investing strategies. Today, we're talking with a true titan of Texas real estate finance, Michael Hoffman, founder and CEO of Longhorn Investments! Since 2008, Mike and his team have funded over 10,000 loans and $2 billion, helping investors nationwide (with about 50% of that still right here in Texas!) turn fixer-uppers into cash-flowing dreams. If you're buying, fixing, and flipping, you're gonna want to grab a burnt orange pen, because Mike's insights are pure gold – and he's not afraid to tell you why HGTV is fictional!In this episode, you'll learn:Hard Money 101 & First-Time Investor Hacks: Mike demystifies hard money lending: it's asset-based, faster than banks (5-7 days!), and funds up to 100% of loan-to-cost (up to 70% ARV). Plus, hear how Longhorn empowers first-time fix-and-flippers by focusing on the deal's viability (hello, appraisals!), not just your experience level.The Truth About Deals & Rehabs (and why HGTV is Fiction!): Learn why Longhorn meticulously vets every deal – they want you to succeed, not foreclose! Mike stresses the vital importance of hiring a reputable contractor (not the cheapest, and definitely not you for wall-moving projects!) and the necessity of actively overseeing your rehabs to avoid "mucking up the machine."Lender Goals & Market Realities: Mike pulls back the curtain on what motivates a good hard money lender: they're in the note business, not the "loan-to-own" business! Discover why quick draw disbursements (48-72 hours!) are crucial for project success, and how to spot lenders who might be running on fumes. Plus, understand how current market conditions are affecting loan terms and borrower strategies.Property Preferences & Geographic Boundaries: Longhorn's sweet spot? Workforce housing (ARVs under $400k) and brick, 3-bed/2-bath homes built pre-1970s. Mike explains why they avoid mobile homes (unless they're real estate!), condos (those HOA assessments are no joke!), and "Podunkville" locations (you gotta sell it to someone!).Passive Investing Powerhouse: The Trident Fund: Get an exclusive peek behind the curtain at Trident Realty Investments, the $222 million evergreen fund that bankrolls Longhorn's loans. Discover how accredited investors can target a 10% return (with a 1-year lockup) by investing alongside Mike, who's always the first investor in. It's a transparent, stable way to put your lazy capital to work!This episode with Michael Hoffman is a masterclass in navigating the hard money landscape, offering candid advice and battle-tested strategies for investors at every level. Mike isn't just a lender; he's a partner in your success, even if that means telling you to walk away from a bad deal!Ready to get your next fix and flip funded without all the drama? Or maybe you're looking for a smarter way to invest passively? Head over to LonghornInvestments.com to connect with Mike's team, get pre-qualified, and turn those investment dreams into reality! Go out, take some action, and we'll see you at the top!Watch the Original Video of this Episode HERE!Love the show? Subscribe, rate, review, and share!Here's How »Join Note Night in America community today:WeCloseNotes.comScott Carson FacebookScott Carson TwitterScott Carson LinkedInNote Night in America YouTubeNote Night in America VimeoScott Carson InstagramWe Close Notes Pinterest

⭐ Join Rental Property Mastery, my community of rental investors on their way to financial freedom: http://coachcarson.com/rpm   

Tired of watching cash flow slip through the cracks and flips turn into tuition? We dig into the operator's playbook: how to stabilize rentals faster, build a right-sized property management team, and lean into new construction where execution is cleaner and margins are clearer. Then we tackle the classic dilemma: build your own property management team or hire third-party? You'll hear the real cost stack at 100+ doors, where the scaling ceiling hits, and how to split field work, admin, leasing, and maintenance coordination without burning out or overpaying.If you've wondered why some buyers are still overpaying for as-is homes, we share actual offers, ARV guardrails, and the price of wishful thinking. We talk novation-style options, when flips still make sense, and why we're passing on thin spreads that don't pay for risk. 

   Medellin, Colombia.Part 2  Welcome to Dr. Mary Travelbest Guide Quick-Fire FAQ: Drying Out Wet Clothing. How do you do that on the road? How do you dry your wet belongings while traveling, especially when you're solo? Especially in a humid area, it's hard to get things dry. When you solo travel, you have more control over your time constraints, so plan to let things dry. When it's damp, the best way to dry your clothes is by maximizing water removal before drying.  Try the towel roll trick. First, lay the clothes flat on a towel, roll them up, and twist to ring out the moisture. Use strong airflow and ventilation, such as fans or dehumidifiers, and space clothes out for even evaporative drying indoors. If safe, place clothes near a heater or radiator, but not directly on it, for fire safety. Use a dryer if possible. Store thoroughly dried clothes in airtight containers or use moisture absorbers if needed. Sometimes, you will have to pack a wet garment, but you have some control over it if you are solo. 60-second confidence challenge: Travel Navigation apps 2025 Travel apps to use regularly before you leave: Make your own list of about 5 of them. My favorites are Google Maps and Rome to Rio.  Apple has a map, and several others are decent. Select a destination and research the transportation options and associated costs.   If you like today's Confidence Challenge, an entire Chapter on Maps of my A book dives deeper  into how to build confidence using maps—link in description.”    See Book A for addressing this challenge of using travel apps for directions. Find it on the website​​ at 5StepsToSoloTravel.com or on Amazon. It's a several-part series.   Destination Deep‑Dive Today's special destination is Medellin, Colombia. Part 2   This is part 2 of my visit to Medellin, Colombia. Colombia was the first country on my trip, and I really enjoyed Medellin, even though it was raining a lot of the time I was there. For the most part, I felt safe. Part 1 discussed the changes since the 1990s and a few of the attractions I suggested. There have also been some problems. Drug Trafficking Today Colombia remains the world's leading cocaine producer, and armed groups and organized crime still participate in the trade, according to InSight Crime. While the infamous Medellín Cartel no longer operates, its historical legacy persists. In neighborhoods with tourist traffic, drugs may still be present—but such activity tends to occur behind the scenes. https://colombiareports.com/manufacturing-colombian-fascism-story-gomez-family/ Where should you stay? Try the Poblano neighborhood. I swam in the rooftop pool at the Los Patios Suites hostel, which provided a relaxing soak, and it offered views of the surrounding neighborhoods. It rained a lot in this city in May, which was during the fall season. One of the drawbacks of the rain and humidity was the presence of mosquitoes. My shoes got wet and never really dried.   Final Thoughts on Medellin Safety: Medellín is significantly safer than it was in the past, but it's still advisable to avoid risky situations, such as unplanned nightlife excursions or meetups through dating apps. Drug Trafficking: Still present at broader levels, but doesn't dominate everyday tourist life—unless one seeks it out. Itinerary Picks: For women over 50, I'd highlight coffee tours, Comuna 13 storytelling, parks like Arví, cultural sites like Nutibara and Palacio de la Cultura, and the bike-share system—each offering memorable, relaxed experiences with minimal risk. Smart Move and Slip-up pairing: I got hit by the caffeine in Colombia. Too much. I had a hard time falling asleep. So don't order a full cup, or only drink half. I had trouble sleeping due to the coffee I had at noon. Hyped up all day! Cut out caffeine if you're not accustomed to the buzz and want to sleep well. Take away mantra and goodbye.   In Medellin, I got lost and turned around to go back, frustrated and weary. It was raining. I was soaked. Dejected and upset, I was mad at myself and felt bad. But then something changed. The next thing I saw was a Christian church that was just about to start its service, so I stayed for two hours. God was with me on that journey. A woman in the church had her Uber driver drop me off near the metro, so I could then continue on my journey. The day turned out better than expected. I'm leaving you today with the hope that your next trip will have a positive impact on you and others as well.  

Learn hard money basics, lending criteria, and real-world tips from Austin Hastings. Digital marketer by day, hard money lender by night—Austin explains criteria, ARV math, risk checks, and how networking with the SubTo community turns one flip into a pipeline of projects.

Join an active community of RE investors here: https://linktr.ee/gabepetersenESCAPING THE 14-HOUR WORKDAY TRAP

MeidasTouch host Ben Meiselas reports on furious Canadian people striking back at Donald Trump after his awful meeting with Prime Minister Mark Carney in the Oval Office on Tuesday where he continued to threaten Canada's sovereignty and he continued to behave like a sociopath. Get 10% Off your entire order & take advantage of Ridge's Annual Sweepstakes by going to https://Ridge.com/meidas #RidgePod NO PURCH. NEC. Open to legal residents of 50 US/DC, Canada & the UK, age maj.+. Void where prohibited. Begins 8/1/25 and ends 9/15/25. 2 winners selected. Max Prizes total ARV: $380,000 USD / approximately $516,000 CAD / £306,800. Canadian skill-testing question required. Subject to Rules, including free entry method & odds: http://ridge.com/rules. Sponsor: The Ridge Wallet, LLC. AUCUN ACHAT NÉC. Ouvert aux résidents autorisés des 50 É.-U./D.C., du Canada et du R.-U., âge de maj.+. Nul là où interdit. Débute le 01/08/25, se termine le 15/09/25. Sélection de 2 gagnants. VDA totale max. des prix : 380 000 $ US / ~516 000 $ CA / 306 800 £. Question d'habileté mathématique (Canada) req. Sujet au règlement, incluant méthode de participation gratuite et chances de gagner : http://ridgewallet.ca/rules. Organisateur : The Ridge Wallet, LLC. Visit https://meidasplus.com for more! Remember to subscribe to ALL the MeidasTouch Network Podcasts: MeidasTouch: https://www.meidastouch.com/tag/meidastouch-podcast Legal AF: https://www.meidastouch.com/tag/legal-af MissTrial: https://meidasnews.com/tag/miss-trial The PoliticsGirl Podcast: https://www.meidastouch.com/tag/the-politicsgirl-podcast The Influence Continuum: https://www.meidastouch.com/tag/the-influence-continuum-with-dr-steven-hassan Mea Culpa with Michael Cohen: https://www.meidastouch.com/tag/mea-culpa-with-michael-cohen The Weekend Show: https://www.meidastouch.com/tag/the-weekend-show Burn the Boats: https://www.meidastouch.com/tag/burn-the-boats Majority 54: https://www.meidastouch.com/tag/majority-54 Political Beatdown: https://www.meidastouch.com/tag/political-beatdown On Democracy with FP Wellman: https://www.meidastouch.com/tag/on-democracy-with-fpwellman Uncovered: https://www.meidastouch.com/tag/maga-uncovered Coalition of the Sane: https://meidasnews.com/tag/coalition-of-the-sane Learn more about your ad choices. Visit megaphone.fm/adchoices

Jimmy Quigg from New Western breaks down how to analyze a real estate deal the right way—from finding accurate comps and calculating ARV to understanding the market factors that separate good deals from bad ones. Learn how to use data and local insight to confidently determine what a property is truly worth before you make an offer. KEY TALKING POINTS:0:00 - Diving Into How To Properly Analyze A Deal0:41 - Your Objective When Analyzing2:14 - Data Gathering5:52 - Comparative Market Analysis8:53 - Diving Into ARV & The 70% Rule13:58 - Local Market Knowledge15:12 - Outro LINKS:Instagram: New Westernhttps://www.instagram.com/NewWestern/ Website: New Westernhttps://www.newwestern.com/ Instagram: David Leckohttps://www.instagram.com/dlecko Website: DealMachinehttps://www.dealmachine.com/pod Instagram: Ryan Haywoodhttps://www.instagram.com/heritage_home_investments Website: Heritage Home Investmentshttps://www.heritagehomeinvestments.com/

Risks of lending on tenant occupied properties - #300 In this episode of the Private Lenders Podcast, we break down the risks of lending on tenant-occupied properties and why these deals can get complicated for private lenders and hard money lenders. From underwriting challenges and tenant issues to defaults, foreclosures, and eviction nightmares, we share real-world examples of how occupied properties can impact your loan performance and exit strategy. Whether you're an experienced private lender or just getting started, understanding how tenant occupancy affects ARV, refinancing, cash flow, and risk exposure is critical. We cover: How ARV changes once a property is occupied Risks with tenants in fix & flip vs. BRRRR deals Eviction laws, defaults, and jurisdictional challenges Why borrower sophistication and skin in the game matter Case studies of occupied property loans that went sideways

Are you ready for the Psychic October Challenge? Regular contributor Josh Maitland shares his origin story and how he's turned his experiences into an exciting and fun group learning experience to share remote viewing, intuition and psi skills development with a wider audience. Rock Star Mystery Skool https://www.skool.com/rock-star-intuition-6794 Psychic October Challenge https://www.skool.com/rock-star-intuition-6794/classroom/4842a5c5?md=3f5c39830943451cb0a6798d6193b60b Listen to Rattlesnake (The Ballad of Bill Tilden) on Spotify https://open.spotify.com/track/0gVlVqlvuZqZGl8JGlCv1u?si=036fb562246a4abb 00:01:30 Going down the rabbit hole during lockdown 00:04:50 Spooky childhood experiences growing up on a haunted street 00:06:28 Discovering Remote Viewing 00:07:49 Non-physical forces and synchronicity invade rock band recording off grid in the wilderness 00:19:20 Premonitions 00:23:00 Starting Remote Viewing practice during Sober October 00:28:10 How alcohol, drugs (and abstinence therefrom) interact with remote viewing and spiritual practices 00:32:50 Remote Viewing as an adjunct practice to shadow work, healing and spiritual development 00:35:00 Inner work is hard! 00:36:20 ARV and making money with RV and psychic abilities 00:37:52 Other fruits of RV practice 00:46:28 The dangers of separating psychic practices from spiritual development 00:50:52 When shit gets weird 00:53:39 Sober October Segue! 00:54:55 Rock Star Mystery School and learning with Josh 00:55:33 Psychic October Challenge 01:00:25 The importance and benefits of learning in a group 01:02:51 Remote Viewing safely during the Psychic October Challenge 01:03:42 Should you stop taking your prescription drugs? (No, and...) 01:04:20 Keeping practice fun! Live events coming up soon. 01:08:23 Rattlesnake (The Ballad of Bill Tilden) -------------------- http://thepsychicguys.com/ Available on all good podcast platforms. Contact us on X https://x.com/ThePsychicGuys

The most important number you need to know when evaluating a flip: the After Repair Value (ARV). In this episode, I'll walk you through how to calculate ARV based on price per square foot, why above-grade square footage matters, and how to avoid common mistakes that can derail your profits. Whether you're new to flipping or looking to refine your process, this episode will give you a simple, effective formula to confidently assess deals and maximize your success.

Tyler Rothrock and Josh Francis join Tommy Pope this week on Stuff Island! Comedians Chris and Tommy Pope are making all kinds of Stuff on the paytch. Each week they talk about anything & everything under the sun. Tommy also chefs up some delicious meals. It's a blast, folks. Check out our second channel  @LookatDish  where Tommy Pope and Chris O'Connor cook elaborate meals with your favorite comedians Download the DraftKings Sportsbook app and use code STUFFISLAND. That's code STUFFISLAND to get $300 in bonus bets instantly when you place your first bet of $5 or more---plus over $200 off NFL Sunday Ticket from Youtube and YoutubeTV. The Crown is Yours. Gambling Problem? Call 1800-Gambler. In New York, call 86778HOPENY or text HOPENY (FOUR SIX SEVEN THREE SIX NINE). In Connecticut, Help is available for problem gambling. Call 888-789--7777 or visit ccpg.org. Please play responsibly. On behalf of Boot Hill Casino & Resort (Kansas. Fees may apply in IL. 21 plus age and eligibility varies by jurisdiction. Void in Ontario. Bonus bets expire seven days after issuance. See sportsbook.drftkings.com/promos NFL Sunday Ticket offer for new subscribers only and auto-renews until cancelled. Digital games and commercial use excluded. Restrictions apply. Additional NFL Sunday Ticket terms at youtube.com/go/nflsundayticket/terms. Limited Time Offer Get 10% Off your entire order & take advantage of Ridge's Annual Sweepstakes by going to https://www.Ridge.com/ (https://www.ridge.com/)INSERT CODE #Ridgepod NO PURCH. NEC. Open to legal residents of 50 US/DC, Canada & the UK, age maj.+. Void where prohibited. Begins 8/1/25 and ends 9/15/25. 2 winners selected. Max Prizes total ARV: $380,000 USD / approximately $516,000 CAD / £306,800. Canadian skill-testing question required. Subject to Rules, including free entry method & odds: http://ridge.com/rules. Sponsor: The Ridge Wallet, LLC. AUCUN ACHAT NÉC. Ouvert aux résidents autorisés des 50 É.-U./D.C., du Canada et du R.-U., âge de maj.+. Nul là où interdit. Débute le 01/08/25, se termine le 15/09/25. Sélection de 2 gagnants. VDA totale max. des prix : 380 000 $ US / ~516 000 $ CA / 306 800 £. Question d'habileté mathématique (Canada) req. Sujet au règlement, incluant méthode de participation gratuite et chances de gagner : http://ridgewallet.ca/rules. Organisateur : The Ridge Wallet, LLC. Use code STUFFISLAND at checkout at Https://www.chubbyshorts.com/stuffisland to get 10 dollars off your first purchase! Eat smarter at https://www.factor.com/stuffisland and use code stuffisland50off to get 50% off your first box and FREE breakfast for a year! SUB TO PATREON: patreon.com/stuffisland Follow Chris on IG: https://www.instagram.com/achrisoconnor Follow Tommy on IG: https://www.instagram.com/tommyjpope Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, Spencer, Adam, and special guest Dan Butler dive deep into the world of real estate investing and hard money lending. Dan shares his journey from cutting grass and boarding up houses in Memphis to building a portfolio of hundreds of rentals, launching Cresco Property Management, and eventually becoming a hard money lender. He talks about the lessons learned during the 2008 financial crisis, the importance of doing the right thing with banks and partners, and how character and trust play a massive role in lending and investing. Dan also breaks down how he underwrites deals, manages risk, and why having strong processes is the key to long-term success. This is a masterclass in building wealth the right way—through integrity, long-term partnerships, and a willingness to give. What You'll Learn in This Episode: How Dan got started in real estate back in 2001 and why Memphis turned out to be one of the best rental markets in the country. Lessons learned during the 2008 crash and why paying your notes on time created unexpected opportunities. Why local banking relationships are critical for investors. The difference between short-term transactions and long-term partnerships. How Dan transitioned from property management into hard money lending. The five C's of credit and why character matters most in lending. How to underwrite a hard money deal: ARV, credit score, cash reserves, and the importance of referrals. Why clear processes and strong communication set investors apart. Why paying off properties can unlock new opportunities and accelerate wealth. The importance of writing down your goals and creating a long-term vision. Memorable Quotes: “If you put money as the byproduct of doing the right thing and being a giver, the money will come.” “Don't chase short-term transactions—build long-term partnerships.” “The bar is so low in real estate. If you just answer your phone, communicate, and do what you say you're going to do, you'll be better than 90% of people.” =================================== Connect with Matt and Spencer at Evernest: Evernest.co Hosts: Spencer Sutton and Adam Hobson Guest: Dan Butler of Cresco Property Management | Connect with Dan: danbutler901@gmail.com | 901-289-7888 Visit the Podcast Website: Evernest.co/podcasts Email the Show: podcast@evernest.co =================================== Production House: Flint Stone Media Copyright of Evernest 2025.

In this episode of The Mentor Podcast, Ron sits down with Adel Kayati — Ron's partner, lead acquisitionist, and a mentor with Global Publishing. Adel is hands-on with students (including live seller calls) and actively buying deals alongside Ron. In this episode, Ron and Adel lay out a practical, no-nonsense framework to eliminate the biggest risks in real estate while still doing profitable deals right now. What you'll learn about in this episode Why you should never personally guarantee debt—and how that single decision protects your credit, assets, and sanity. The title-holding structure Ron uses on every deal: one property per land trust, owned by an LLC (which is owned by Ron and his wife)—and why taking title in your personal name is a bad idea. Land trusts 101: simple deed + trust agreement, privacy benefits, and where to find the forms and training. No-recourse terms deals: buying with wraps, “subject-to,” or lease-purchase—the trust signs, not you; the house is the only collateral; nothing hits your credit. The MAO (“mayo”) rule for junkers: MAO = ARV × 0.70 − repairs (use 0.80 if ARV > $300k) — and never pay MAO. Ron's rehab rule of thumb: only touch rehabs when ARV ≥ purchase + repairs + ~$100k (≈ $50k profit + $50k carrying/transaction costs). Why wholesaling is Ron's favorite “no-risk” strategy (e.g., $10 earnest money to $20k–$50k checks) — and why it's a perfect fit for Roth IRA profits. FSBO focus vs. MLS grind: why most MLS deals won't pencil and how Ron filters them fast. A simple private-money safety check: don't borrow more than 65% of ARV on junkers. Market-timed tactics: in a sliding market, get conservative on ARV, avoid most rehabs, and prioritize wholesales and terms. Terms-deal cash-flow safety: Make sure non-refundable option deposit > your total cash out of pocket (down + closing). Target ≥5% of price for the deposit; delay first payment until the 3rd month after closing or vacancy, whichever is later. Expect near-breakeven or slight negatives on some recent high-rate loans; reserve part of the deposit to cover a year of any shortfall and big items (e.g., A/C). Easy lead targets right now: expired listings and low-equity, newer homes (many recent VA loans) in great neighborhoods—often “sell for what you owe” situations. Perspective from 44 years in the business: deals exist in every market—boom or crash—if you follow the rules above. Resources: RonsQuickStart.com — Details and dates for Ron's 4-Day Quick Start event. RonLeGrand.com — Additional trainings, tools, and information. RonsGoldClub.com — Land Trust training and form libraries (search “land trust”) and the “4 LLCs” lesson (mentioned in the episode). Sign up for a Free Mentor Panning Session: https://www.RonLeGrand.com/Plan Free Training: www.TheMentorPodcast.com/Terms182 Get Ron's $599 Wholesaling course for FREE when you join his Gold Club for ONLY $99 a month! – www.TheMentorPodcast.com/GC182

(4:00) It's not David vs. Goliath(11:00) MVP if FSU pulls off the upset(14:00) FSU finding a better recruiting mix offering hope for the future(25:00) Charlie Potter of BamaOnline gives us the scouting report on Alabama(44:00) Defining a successful season pt. 29(48:00) Predicting the stats on a successful season(1:00:00) Over/under contest propsMusic: Arrows In Action - Blank Canvasvitaminenergy.com | PROMO: warchantbogo | buy one, get one free!Go to ponchooutdoors.com/WAKEUP for $10 off your first order and get free shipping! NO PURCH. NEC. Open to legal residents of 50 US/DC, Canada & the UK, age maj.+. Void where prohibited. Begins 8/1/25 and ends 9/15/25. 2 winners selected. Max Prizes total ARV: $380,000 USD / approximately $516,000 CAD / £306,800. Canadian skill-testing question required. Subject to Rules, including free entry method & odds: ridge.com/rules. Sponsor: The Ridge Wallet, LLC.
AUCUN ACHAT NÉC. Ouvert aux résidents autorisés des 50 É.-U./D.C., du Canada et du R.-U., âge de maj.+. Nul là où interdit. Débute le 01/08/25, se termine le 15/09/25. Sélection de 2 gagnants. VDA totale max. des prix : 380 000 $ US / ~516 000 $ CA / 306 800 £. Question d'habileté mathématique (Canada) req. Sujet au règlement, incluant méthode de participation gratuite et chances de gagner : http://ridgewallet.ca/rules. Organisateur : The Ridge Wallet, LLC. 

(4:00) It's not David vs. Goliath(11:00) MVP if FSU pulls off the upset(14:00) FSU finding a better recruiting mix offering hope for the future(25:00) Charlie Potter of BamaOnline gives us the scouting report on Alabama(44:00) Defining a successful season pt. 29(48:00) Predicting the stats on a successful season(1:00:00) Over/under contest propsMusic: Arrows In Action - Blank Canvasvitaminenergy.com | PROMO: warchantbogo | buy one, get one free!Go to ponchooutdoors.com/WAKEUP for $10 off your first order and get free shipping! NO PURCH. NEC. Open to legal residents of 50 US/DC, Canada & the UK, age maj.+. Void where prohibited. Begins 8/1/25 and ends 9/15/25. 2 winners selected. Max Prizes total ARV: $380,000 USD / approximately $516,000 CAD / £306,800. Canadian skill-testing question required. Subject to Rules, including free entry method & odds: ridge.com/rules. Sponsor: The Ridge Wallet, LLC.
AUCUN ACHAT NÉC. Ouvert aux résidents autorisés des 50 É.-U./D.C., du Canada et du R.-U., âge de maj.+. Nul là où interdit. Débute le 01/08/25, se termine le 15/09/25. Sélection de 2 gagnants. VDA totale max. des prix : 380 000 $ US / ~516 000 $ CA / 306 800 £. Question d'habileté mathématique (Canada) req. Sujet au règlement, incluant méthode de participation gratuite et chances de gagner : http://ridgewallet.ca/rules. Organisateur : The Ridge Wallet, LLC. 

4:00 Bama Injuries8:00 Rain game, who does it benefit11:30 FSU run game, Luke Petibon leadership15:20 teams having difficulties scouting fsu?19:40 ACC media questions21:50 Norvell Presser analysis28:00 quick hit questions, Kromah plays and Tommy rushing yards29:10 Tommy vs ‘22 JT31:15 Edwin Joseph quote, team physicality35:00 Bama vs FSU injuries36:00 Bama draft prospects39:00 FSU real chance to win?40:15 what does a sizable loss mean for the rest of the season?44:00 Broad score predictions47:00 Norvell influence on offensive play calling50:30 Gus impact on new look offense52:35 FSU spread no-brainer? Corey and Aslan lifting numbers55:45 Gus trust in Tommy on third downs, how much does Bama trust Simpson56:45 what should Corey do if FSU wins?57:55 how will fsu hold up vs Bama Secondary1:02:00 turnover scenarios, leading to fsu win?Music: Thrice - Albatrossvitaminenergy.com | PROMO: warchantbogo | buy one, get one free!Go to ponchooutdoors.com/WAKEUP for $10 off your first order and free shippingNO PURCH. NEC. Open to legal residents of 50 US/DC, Canada & the UK, age maj.+. Void where prohibited. Begins 8/1/25 and ends 9/15/25. 2 winners selected. Max Prizes total ARV: $380,000 USD / approximately $516,000 CAD / £306,800. Canadian skill-testing question required. Subject to Rules, including free entry method & odds: ridge.com/rules. Sponsor: The Ridge Wallet, LLC. AUCUN ACHAT NÉC. Ouvert aux résidents autorisés des 50 É.-U./D.C., du Canada et du R.-U., âge de maj.+. Nul là où interdit. Débute le 01/08/25, se termine le 15/09/25. Sélection de 2 gagnants. VDA totale max. des prix : 380 000 $ US / ~516 000 $ CA / 306 800 £. Question d'habileté mathématique (Canada) req. Sujet au règlement, incluant méthode de participation gratuite et chances de gagner : http://ridgewallet.ca/rules. Organisateur : The Ridge Wallet, LLC. 

4:00 Bama Injuries8:00 Rain game, who does it benefit11:30 FSU run game, Luke Petibon leadership15:20 teams having difficulties scouting fsu?19:40 ACC media questions21:50 Norvell Presser analysis28:00 quick hit questions, Kromah plays and Tommy rushing yards29:10 Tommy vs ‘22 JT31:15 Edwin Joseph quote, team physicality35:00 Bama vs FSU injuries36:00 Bama draft prospects39:00 FSU real chance to win?40:15 what does a sizable loss mean for the rest of the season?44:00 Broad score predictions47:00 Norvell influence on offensive play calling50:30 Gus impact on new look offense52:35 FSU spread no-brainer? Corey and Aslan lifting numbers55:45 Gus trust in Tommy on third downs, how much does Bama trust Simpson56:45 what should Corey do if FSU wins?57:55 how will fsu hold up vs Bama Secondary1:02:00 turnover scenarios, leading to fsu win?Music: Thrice - Albatrossvitaminenergy.com | PROMO: warchantbogo | buy one, get one free!Go to ponchooutdoors.com/WAKEUP for $10 off your first order and free shippingNO PURCH. NEC. Open to legal residents of 50 US/DC, Canada & the UK, age maj.+. Void where prohibited. Begins 8/1/25 and ends 9/15/25. 2 winners selected. Max Prizes total ARV: $380,000 USD / approximately $516,000 CAD / £306,800. Canadian skill-testing question required. Subject to Rules, including free entry method & odds: ridge.com/rules. Sponsor: The Ridge Wallet, LLC. AUCUN ACHAT NÉC. Ouvert aux résidents autorisés des 50 É.-U./D.C., du Canada et du R.-U., âge de maj.+. Nul là où interdit. Débute le 01/08/25, se termine le 15/09/25. Sélection de 2 gagnants. VDA totale max. des prix : 380 000 $ US / ~516 000 $ CA / 306 800 £. Question d'habileté mathématique (Canada) req. Sujet au règlement, incluant méthode de participation gratuite et chances de gagner : http://ridgewallet.ca/rules. Organisateur : The Ridge Wallet, LLC. 

(7:00) How real is the depth chart? Or is a motivational blueprint?(12:00) Biggest surprise on defensive depth chart(19:00) Defensive line issues laid bare on depth chart(26:00) Offensive line thin but we knew that(33:00) A lot of true freshmen will be called upon and that's neat(39:00) Corey pinpoints a major reason FSU find themselves in this tough spot in year six of Norvell(44:00) This podcast definitely thinks FSU has a shot(48:00) Alabama carrying a quiet confidence?(58:00) Norvell takeawaysMusic: Offset - Folgersvitaminenergy.com | Shake it and take it!Get 10% Off your entire order & take advantage of Ridge's Annual Sweepstakes by going to https://www.Ridge.com/WAKEUP #Ridgepod
 NO PURCH. NEC. Open to legal residents of 50 US/DC, Canada & the UK, age maj.+. Void where prohibited. Begins 8/1/25 and ends 9/15/25. 2 winners selected. Max Prizes total ARV: $380,000 USD / approximately $516,000 CAD / £306,800. Canadian skill-testing question required. Subject to Rules, including free entry method & odds: ridge.com/rules. Sponsor: The Ridge Wallet, LLC.
 AUCUN ACHAT NÉC. Ouvert aux résidents autorisés des 50 É.-U./D.C., du Canada et du R.-U., âge de maj.+. Nul là où interdit. Débute le 01/08/25, se termine le 15/09/25. Sélection de 2 gagnants. VDA totale max. des prix : 380 000 $ US / ~516 000 $ CA / 306 800 £. Question d'habileté mathématique (Canada) req. Sujet au règlement, incluant méthode de participation gratuite et chances de gagner : http://ridgewallet.ca/rules. Organisateur : The Ridge Wallet, LLC. 

(7:00) How real is the depth chart? Or is a motivational blueprint?(12:00) Biggest surprise on defensive depth chart(19:00) Defensive line issues laid bare on depth chart(26:00) Offensive line thin but we knew that(33:00) A lot of true freshmen will be called upon and that's neat(39:00) Corey pinpoints a major reason FSU find themselves in this tough spot in year six of Norvell(44:00) This podcast definitely thinks FSU has a shot(48:00) Alabama carrying a quiet confidence?(58:00) Norvell takeawaysMusic: Offset - Folgersvitaminenergy.com | Shake it and take it!Get 10% Off your entire order & take advantage of Ridge's Annual Sweepstakes by going to https://www.Ridge.com/WAKEUP #Ridgepod
 NO PURCH. NEC. Open to legal residents of 50 US/DC, Canada & the UK, age maj.+. Void where prohibited. Begins 8/1/25 and ends 9/15/25. 2 winners selected. Max Prizes total ARV: $380,000 USD / approximately $516,000 CAD / £306,800. Canadian skill-testing question required. Subject to Rules, including free entry method & odds: ridge.com/rules. Sponsor: The Ridge Wallet, LLC.
 AUCUN ACHAT NÉC. Ouvert aux résidents autorisés des 50 É.-U./D.C., du Canada et du R.-U., âge de maj.+. Nul là où interdit. Débute le 01/08/25, se termine le 15/09/25. Sélection de 2 gagnants. VDA totale max. des prix : 380 000 $ US / ~516 000 $ CA / 306 800 £. Question d'habileté mathématique (Canada) req. Sujet au règlement, incluant méthode de participation gratuite et chances de gagner : http://ridgewallet.ca/rules. Organisateur : The Ridge Wallet, LLC. 

(4:00) Alabama limping into opener?(8:00) The most important position manned by a relative unknown(11:00) Week 0 thoughts(19:00) Can a pedestrian day from the Tide QB be enough?(31:00) Which QB takes the field in the best mind space?(39:00) Any depth chart revelations that could change your thoughts on the game?(45:00) Gus's reboot seems to be staring up better than Tony's?(48:00) The need for Darrell Jackson to play bigMusic: Atreyu - Good Enoughvitaminenergy.com | Shake it and take it!Upgrade your wallet today! Get 10% Off @Ridge with code WAKEUP at https://www.Ridge.com/WAKEUP #Ridgepod NO PURCH. NEC. Open to legal residents of 50 US/DC, Canada & the UK, age maj.+. Void where prohibited. Begins 8/1/25 and ends 9/15/25. 2 winners selected. Max Prizes total ARV: $380,000 USD / approximately $516,000 CAD / £306,800. Canadian skill-testing question required. Subject to Rules, including free entry method & odds: ridge.com/rules. Sponsor: The Ridge Wallet, LLC.
AUCUN ACHAT NÉC. Ouvert aux résidents autorisés des 50 É.-U./D.C., du Canada et du R.-U., âge de maj.+. Nul là où interdit. Débute le 01/08/25, se termine le 15/09/25. Sélection de 2 gagnants. VDA totale max. des prix : 380 000 $ US / ~516 000 $ CA / 306 800 £. Question d'habileté mathématique (Canada) req. Sujet au règlement, incluant méthode de participation gratuite et chances de gagner : http://ridgewallet.ca/rules. Organisateur : The Ridge Wallet, LLC.
 

(4:00) Alabama limping into opener?(8:00) The most important position manned by a relative unknown(11:00) Week 0 thoughts(19:00) Can a pedestrian day from the Tide QB be enough?(31:00) Which QB takes the field in the best mind space?(39:00) Any depth chart revelations that could change your thoughts on the game?(45:00) Gus's reboot seems to be staring up better than Tony's?(48:00) The need for Darrell Jackson to play bigMusic: Atreyu - Good Enoughvitaminenergy.com | Shake it and take it!Upgrade your wallet today! Get 10% Off @Ridge with code WAKEUP at https://www.Ridge.com/WAKEUP #Ridgepod NO PURCH. NEC. Open to legal residents of 50 US/DC, Canada & the UK, age maj.+. Void where prohibited. Begins 8/1/25 and ends 9/15/25. 2 winners selected. Max Prizes total ARV: $380,000 USD / approximately $516,000 CAD / £306,800. Canadian skill-testing question required. Subject to Rules, including free entry method & odds: ridge.com/rules. Sponsor: The Ridge Wallet, LLC.
AUCUN ACHAT NÉC. Ouvert aux résidents autorisés des 50 É.-U./D.C., du Canada et du R.-U., âge de maj.+. Nul là où interdit. Débute le 01/08/25, se termine le 15/09/25. Sélection de 2 gagnants. VDA totale max. des prix : 380 000 $ US / ~516 000 $ CA / 306 800 £. Question d'habileté mathématique (Canada) req. Sujet au règlement, incluant méthode de participation gratuite et chances de gagner : http://ridgewallet.ca/rules. Organisateur : The Ridge Wallet, LLC.
 

On this episode of 83 Weeks, Eric and Conrad take a deep dive into TKO's growing involvement in the world of sports entertainment, exploring what their presence means for the industry and how it could shape the future of both WWE and AEW. From business strategy to creative influence, the guys break down the opportunities and challenges that come with a powerhouse like TKO stepping further into the spotlight. In addition, Eric looks back on his time working with Terry Taylor during the WCW years. Was Terry an underrated talent behind the scenes? What unique skills did he bring to the table, and how did his contributions impact WCW's direction during that era? Eric opens up about their working relationship and gives an honest assessment of what he feels was Terry's greatest strength in the business. ***Check out more of Eric's thoughts on TKO*** https://www.youtube.com/playlist?list=PLo0wc1_Wke_5WE6M6ShOvr8a_duC0U7Kc  REAL AMERICAN FREESTYLE - Don't miss a single moment of all the action from Real American Freestyle Wrestling August 30th airing on the FOX Nation streaming network.  Tickets are also available at https://www.ticketmaster.com/real-american-freestyle-cleveland-ohio-08-30-2025/event/050062CB85690FB7  HARRYS - Our listeners get Harry's Trial Set for only $8 + a Free Gift at https://harrys.com/83WEEKS  #Harryspod RIDGE - Get 10% Off your entire order & take advantage of Ridge's Annual Sweepstakes by going to https://ridge.com/83WEEKS  #Ridgepod NO PURCH. NEC. Open to legal residents of 50 US/DC, Canada & the UK, age maj.+. Void where prohibited. Begins 8/1/25 and ends 9/15/25. 2 winners selected. Max Prizes total ARV: $380,000 USD / approximately $516,000 CAD / £306,800. Canadian skill-testing question required. Subject to Rules, including free entry method & odds: ridge.com/rules. Sponsor: The Ridge Wallet, LLC. DELETE ME - Get 20% off your DeleteMe plan when you go to http://joindeleteme.com/83WEEKS and use promo code 83WEEKS at checkout. MANDO - Control Body Odor ANYWHERE with @shop.mando and get 20% off + free shipping with promo code 83WEEKS at http://shopmando.com ! #mandopod BLUECHEW - Visit https://bluechew.com  and try your first month of BlueChew FREE when you use promo code 83WEEKS -- just pay $5 shipping. SAVE WITH ERIC - Stop throwing money away by paying those high interest rates on your credit card. Roll them into one low monthly payment and on top of that, skip your next two house payments. Go to https://www.savewitheric.com  to learn more.

Join us at Patreon.com/dadmeatpodcast for part 2 of this episode. Check Out Michael Ridley: https://www.youtube.com/@MichaelRidleyComedy See Tim do stand up live: https://linktr.ee/timbutterly  See Mike do stand up live: https://linktr.ee/MikeRainey82  Check out Tim's YouTube channel at youtube.com/@TimButterly for live streams and his killer new project, Field Trippin', which you can also support at https://www.patreon.com/c/timbutterly/posts  Check out Mike's new interview podcast, Get In Some Head: https://www.youtube.com/@UCvPEUAhvoM3Kw3doNZQkyJg Go to Patreon.com/lilstinkers for the best murder/Impractical Jokers-themed podcast out there   Get Huel today with this exclusive offer for New Customers of 15% OFF (Minimum $75 purchase) with code DADMEAT at https://huel.com/DADMEAT   Download Cash App Today: https://click.cash.app/ui6m/ugmj1zwr  #CashAppPod As a Cash App partner, I may earn a commission when you sign up for a Cash App account. Cash App is a financial services platform, not a bank. Banking services provided by Cash App's bank partner(s). Prepaid debit cards issued by Sutton Bank, Member FDIC. Visit https://www.cash.app/legal/podcast for full disclosures.  Get 10% off your entire order & take advantage of Ridge's Annual Sweepstakes by going to https://www.ridge.com/FATBIRD #Ridgepod NO PURCH. NEC. Open to legal residents of 50 US/DC, Canada & the UK, age maj.+. Void where prohibited. Begins 8/1/25 and ends 9/15/25. 2 winners selected. Max Prizes total ARV: $380,000 USD / approximately $516,000 CAD / £306,800. Canadian skill-testing question required. Subject to Rules, including free entry method & odds: ridge.com/rules. Sponsor: The Ridge Wallet, LLC. AUCUN ACHAT NÉC. Ouvert aux résidents autorisés des 50 É.- U./D.C., du Canada et du R.-U., âge de maj.+. Nul là où interdit. Débute le 01/08/25, se termine le 15/09/25. Sélection de 2 gagnants. VDA totale max. des prix : 380 000 $ US / ~516 000 $ CA / 306 800 £. Question d'habileté mathématique (Canada) req. Sujet au règlement, incluant méthode de participation gratuite et chances de gagner : http://ridgewallet.ca/rules. Organisateur : The Ridge Wallet, LLC.

This week the podcast got broken into two parts because the Gamescom Opening Night Live stream happened in the middle of it! So let's start with some talk about Battlefield 6's beta and my time with Drag x Drive, then we'll come back and talk about Call of Duty Black Ops 7, Skate's rotating soundtrack, Resident Evil Requiem, Lego Batman: Legacy of the Dark Knight, all these free-to-play-looking games that got announced and immediately forgotten, the state of Louisiana's lawsuit against Roblox, New Jersey's lawsuit against Discord, and more! Get 10% Off your entire order & take advantage of Ridge's Annual Sweepstakes by going tohttp://ridge.com/jeffg #Ridgepod NO PURCH. NEC. Open to legal residents of 50 US/DC, Canada & the UK, age maj.+. Void where prohibited. Begins 8/1/25 and ends 9/15/25. 2 winners selected. Max Prizes total ARV: $380,000 USD / approximately $516,000 CAD / £306,800. Canadian skill-testing question required. Subject to Rules, including free entry method & odds: ridge.com/rules. Sponsor: The Ridge Wallet, LLC. AUCUN ACHAT NÉC. Ouvert aux résidents autorisés des 50 É.-U./D.C., du Canada et du R.-U., âge de maj.+. Nul là où interdit. Débute le 01/08/25, se termine le 15/09/25. Sélection de 2 gagnants. VDA totale max. des prix :380 000 $ US / ~516 000 $ CA / 306 800 £. Question d'habileté mathématique (Canada) req. Sujet au règlement, incluant méthode de participation gratuite et chances de gagner : http://ridgewallet.ca/rules. Organisateur : The Ridge Wallet, LLC. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Josh Wolf, Rich Vos, and KP Burke join the pod this week. Josh share's crazy stories of starting comedy w/ Joey Diaz and they all talk about beef with the same comic.Get the EXTRA YKWD, Watch LIVE and UNEDITED AT https://www.patreon.com/robertkelly LIVE FROM THE SHED AND MORE ON PATREON DUDE!!! https://twitter.com/robertkelly https://twitter.com/YKWDpodcast http://instagram.com/ykwdudepodcast https://www.facebook.com/YkwdPodcast/Download Cash App Today: https://click.cash.app/ui6m/y0k6ofda#CashAppPodYou Know What Dude Cash App August 17 Code FAMILY10Cash App Podcast Talking Points - 2025 PARENTS Teen-Focused ToolsAs a Cash App partner, I may earn a commission when you sign upfor a Cash App account. Cash App is a financial services platform,not a bank. Banking services provided by Cash App's bankpartner(s). Prepaid debit cards issued by Sutton Bank, Member FDIC.Visit https://www.cash.app/legal/podcast for full disclosures. Get 10% Off your entire order & take advantage of Ridge's Annual Sweepstakes by going to https://www.Ridge.com/DUDE #RidgepodNO PURCH. NEC. Open to legal residents of 50 US/DC, Canada & the UK, age maj.+. Void were prohibited. Begins 8/1/25 and ends 9/15/25. 2 winners selected. Max Prizes total ARV: $380,000 USD / approximately $516,000 CAD / £306,800. Canadian skill-testing question required. Subject to Rules, including free entry method & odds: ridge.com/rules. Sponsor: The Ridge Wallet, LLC.AUCUN ACHAT NÉC. Ouvert aux résidents autorisés des 50 É.-U./D.C., du Canada et du R.-U., âge de maj.+. Nul là où interdit. Débute le 01/08/25, se termine le 15/09/25. Sélection de 2 gagnants. VDA totale max. des prix : 380 000 $ US / ~516 000 $ CA / 306 800 £. Question d'habileté mathématique (Canada) req. Sujet au règlement, incluant méthode de participation gratuite et chances de gagner : http://ridgewallet.ca/rules. Organisateur : The Ridge Wallet, LLC. Learn more about your ad choices. Visit megaphone.fm/adchoices

(3:00) Information on Shyheim Brown(10:00) Any concern Ja'bril Rawls might be dealing with injuries?(14:00) Jaden Jones speaks(22:00) Great get or ominous sign if freshman are being lauded on the DL? Trying to make sense of the Desir Twins.(30:00) Biggest statement opener in FSU history?(34:00) Can the WRs catch?(40:00) Could a 3 loss FSU make the playoff?(44:00) Which coach is the most different from his 2024 counterpart?Music: jxdn - Dead or Alivevitaminenergy.com | Shake it and take it!Get 10% Off your entire order & take advantage of Ridge's Annual Sweepstakes by going to https://www.Ridge.com/WAKEUP #Ridgepod NO PURCH. NEC. Open to legal residents of 50 US/DC, Canada & the UK, age maj.+. Void where prohibited. Begins 8/1/25 and ends 9/15/25. 2 winners selected. Max Prizes total ARV: $380,000 USD / approximately $516,000 CAD / £306,800. Canadian skill-testing question required. Subject to Rules, including free entry method & odds: ridge.com/rules. Sponsor: The Ridge Wallet, LLC. AUCUN ACHAT NÉC. Ouvert aux résidents autorisés des 50 É.-U./D.C., du Canada et du R.-U., âge de maj.+. Nul là où interdit. Débute le 01/08/25, se termine le 15/09/25. Sélection de 2 gagnants. VDA totale max. des prix : 380 000 $ US / ~516 000 $ CA / 306 800 £. Question d'habileté mathématique (Canada) req. Sujet au règlement, incluant méthode de participation gratuite et chances de gagner : http://ridgewallet.ca/rules. Organisateur : The Ridge Wallet, LLC." 

I sit down in a jet with Whitney Cummings & Ms. Pat. Follow Whitney: https://www.instagram.com/whitneycummings Follow Ms. Pat: https://www.instagram.com/comediennemspat  The Permission to Party World Tour starts September 18th! Go to https://www.bertbertbert.com/#tour2 for tickets!  --------------------------------------------------- Sponsors: Butcher Box - Right now, ButcherBox is offering our listeners $20 off their first box and free protein for a year. Go to https://ButcherBox.com/bertcast to get this limited time offer and free shipping always. Cornbread Hemp - Just visit https://cornbreadhemp.com/BERTCAST and use promo code BERTCAST at checkout. Ridge Wallet - Get 10% Off your entire order & take advantage of Ridge's Annual Sweepstakes by going to https://www.Ridge.com/BERTCAST #Ridgepod Hims - For simple, online access to personalized and affordable care for Hair Loss, ED, Weight Loss, and more, visit https://Hims.com/BERTCAST. Mando - Control Body Odor ANYWHERE with @shop.mando and get 20% off + free shipping with promo code BERTCAST at https://shopmando.com! #mandopod Helix Sleep - Go to https://helixsleep.com/bert for 20% Off Sitewide. Check out Cigars International and use my code BERT for a great deal: https://www.cigarsinternational.com --------------------------------------------------- SUBSCRIBE so you never miss a video https://bit.ly/3DC1ICg  For all TOUR DATES: http://www.bertbertbert.com  For Fully Loaded: https://fullyloadedfestival.com   For Merch: https://store.bertbertbert.com  YouTube▶ http://www.YouTube.com/user/Akreischer  X▶ http://www.Twitter.com/bertkreischer   Facebook▶ http://www.Facebook.com/BertKreischer   Instagram▶ http://www.Instagram.com/bertkreischer   TikTok▶ http://www.TikTok.com/@bertkreischer  Text Me▶ https://my.community.com/bertkreischer  Ridge Wallet: NO PURCH. NEC. Open to legal residents of 50 US/DC, Canada & the UK, age maj.+. Void where prohibited. Begins 8/1/25 and ends 9/15/25. 2 winners selected. Max Prizes total ARV: $380,000 USD / approximately $516,000 CAD / £306,800. Canadian skill-testing question required. Subject to Rules, including free entry method & odds: ridge.com/rules. Sponsor: The Ridge Wallet, LLC. AUCUN ACHAT NÉC. Ouvert aux résidents autorisés des 50 É.-U./D.C., du Canada et du R.-U., âge de maj.+. Nul là où interdit. Débute le 01/08/25, se termine le 15/09/25. Sélection de 2 gagnants. VDA totale max. des prix : 380 000 $ US / ~516 000 $ CA / 306 800 £. Question d'habileté mathématique (Canada) req. Sujet au règlement, incluant méthode de participation gratuite et chances de gagner : http://ridgewallet.ca/rules. Organisateur : The Ridge Wallet, LLC. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of The President's Daily Brief:    First—Iran executes one of its own nuclear scientists over allegations of espionage on behalf of Israel, as the Islamic regime intensifies its internal purge of suspected infiltrators following the recent 12-Day War. Later in the show—the Associated Press is facing widespread backlash after running a highly sympathetic story about Hezbollah terrorists injured in last year's Israeli pager attack, saying they "struggle to recover." Plus—a Ukrainian NGO sounds the alarm on Russia's mass abduction of Ukrainian children, alleging the Putin regime is engaged in systematic child trafficking. In our 'Back of the Brief—a recent report is shedding light on how Hamas terrorists are using a secret stockpile of cash, along with looted humanitarian aid meant for starving Palestinians, to keep their fighters and local loyalists paid. To listen to the show ad-free, become a premium member of The President's Daily Brief by visiting PDBPremium.com. Please remember to subscribe if you enjoyed this episode of The President's Daily Brief.   YouTube: youtube.com/@presidentsdailybrief Birch Gold: Text PDB to 989898 and get your free info kit on gold Ridge Wallet: Get 10% Off your entire order & take advantage of Ridge's Annual Sweepstakes by going to https://ridge.com/PDB #Ridgepod NO PURCH. NEC. Open to legal residents of 50 US/DC, Canada & the UK, age maj.+. Void where prohibited. Begins 8/1/25 and ends 9/15/25. 2 winners selected. Max Prizes total ARV: $380,000 USD / approximately $516,000 CAD / £306,800. Canadian skill-testing question required. Subject to Rules, including free entry method & odds: ridge.com/rules. Sponsor: The Ridge Wallet, LLC. American Financing: Call American Financing today to find out how customers are saving an avg of $800/mo. 866-885-1881 or visit https://www.AmericanFinancing.net/PDB - NMLS 182334, https://nmlsconsumeraccess.org Learn more about your ad choices. Visit megaphone.fm/adchoices

SPONSORS: - Get 10% Off your entire order & take advantage of Ridge's Annual Sweepstakes by going to https://www.Ridge.com/NOTTODAY #RidgepodNO PURCH. NEC. Open to legal residents of 50 US/DC, Canada & the UK, age maj.+. Void where prohibited. Begins 8/1/25 and ends 9/15/25. 2 winners selected. Max Prizes total ARV: $380,000 USD / approximately $516,000 CAD / £306,800. Canadian skill-testing question required. Subject to Rules, including free entry method & odds: ridge.com/rules. Sponsor: The Ridge Wallet, LLC.AUCUN ACHAT NÉC. Ouvert aux résidents autorisés des 50 É.-U./D.C., du Canada et du R.-U., âge de maj.+. Nul là où interdit. Débute le 01/08/25, se termine le 15/09/25. Sélection de 2 gagnants. VDA totale max. des prix : 380 000 $ US / ~516 000 $ CA / 306 800 £. Question d'habileté mathématique (Canada) req. Sujet au règlement, incluant méthode de participation gratuite et chances de gagner : http://ridgewallet.ca/rules. Organisateur : The Ridge Wallet, LLC. - Sign up for a $1 per month trial period at https://shopify.com/nottoday, all lowercase Fresh off game night, Jamie and Rob dive into Cutter's late-night Dairy Queen addictions, Rob's heroic pantry resistance, and the sacred rules of Monopoly Deal. Jamie also teases her new memoir and the 50 pages she'll have to cut — but promises to spill them all on the pod. The two pay tribute to stuntmen, argue whether AI should do their jobs, and take a culinary detour into the legendary Giovanni's Italian deli. Also: LeBron's psychotic TV habits, Beavis & Butt-Head's long-lost soundboard, curse words that have gone extinct, and one Sopranos theory so insane… it just might be genius. Have a question for Rob and Jamie? Reach out at nottodaypalpodcast@gmail.com Not Today, Pal Ep. 106 https://www.instagram.com/jamielynnsigler https://www.instagram.com/nottodaypalshow https://store.ymhstudios.com Chapters 00:00:00 - Intro 00:00:25 - Locking Into A Diet 00:06:45 - The Most New York Sandwich Maker 00:13:52 - Clip: Unc Lebron Sopranos 00:15:07 - Lost Curse Words + Beavis & Butthead 00:20:23 - Rob's TV PTSD Moment 00:22:41 - Memory Lane + Some Mob Land Love 00:27:13 - Reviewing A Theory About AJ Soprano 00:32:24 - Jamie's Book Update 00:36:30 - Clip: Stunt Man Learn more about your ad choices. Visit megaphone.fm/adchoices